Home > Mainstreet Community Bank of Florida > Performance and Condition Ratios
Mainstreet Community Bank of Florida, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 3,095 |
| Cost of funding earning assets | 1.2004% | 2,803 |
| Net interest margin | 3.3016% | 2,630 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.2566% | 2,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8624% | 2,661 |
| Return on assets (ROA) | 0.8635% | 2,633 |
| Pretax return on assets | 1.1442% | 2,277 |
| Return on Equity (ROE) | 11.5300% | 2,083 |
| Retained earnings to average equity (ytd only) | -7.0016% | 4,428 |
| Net charge-offs to loans | -0.0099% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.3065% | 2,312 |
| Assets per employee ($millions) | 7.6636% | 1,615 |
| Cash dividends to net income (ytd only)* | 160.7229% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 2,334 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.4600% | 2,422 |
| Net loans and leases to deposits | 70.0496% | 2,887 |
| Net loans and leases to core deposits | 77.1149% | 2,910 |
| Total domestic deposits to total assets | 92.0200% | 307 |
| Equity capital to assets | 7.2134% | 3,856 |
| Core capital (leverage) ratio | 8.8497% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $772,211,000 | 1,212 |
| Average earning assets | $721,406,400 | 1,201 |
| Average equity | $57,829,400 | 1,429 |
| Average total loans | $487,081,200 | 1,259 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4182% | 3,072 |
| Cost of funding earning assets | 1.1257% | 2,668 |
| Net interest margin | 3.2924% | 2,702 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.2208% | 3,023 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8796% | 2,754 |
| Return on assets (ROA) | 0.8811% | 2,736 |
| Pretax return on assets | 1.1677% | 2,370 |
| Return on Equity (ROE) | 11.6600% | 2,209 |
| Retained earnings to average equity (ytd only) | 9.3720% | 1,584 |
| Net charge-offs to loans | -0.0025% | 3,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.4765% | 2,336 |
| Assets per employee ($millions) | 7.9937% | 1,350 |
| Cash dividends to net income (ytd only)* | 19.6078% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,269 |
| Loan loss allowance to noncurrent loans | 2,124.1135% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 3,444 |
| Noncurrent loans to loans | 0.0573% | 3,344 |
| Net loans and leases to total assets | 61.3800% | 2,716 |
| Net loans and leases to deposits | 66.7862% | 3,066 |
| Net loans and leases to core deposits | 70.9592% | 3,163 |
| Total domestic deposits to total assets | 91.9000% | 471 |
| Equity capital to assets | 7.4011% | 3,413 |
| Core capital (leverage) ratio | 9.8394% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $771,758,750 | 1,209 |
| Average earning assets | $720,218,000 | 1,199 |
| Average equity | $58,328,500 | 1,413 |
| Average total loans | $482,609,000 | 1,265 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3240% | 3,052 |
| Cost of funding earning assets | 1.0208% | 2,528 |
| Net interest margin | 3.3032% | 2,742 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.2618% | 2,913 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8613% | 2,884 |
| Return on assets (ROA) | 0.8635% | 2,878 |
| Pretax return on assets | 1.1445% | 2,523 |
| Return on Equity (ROE) | 11.3400% | 2,342 |
| Retained earnings to average equity (ytd only) | 7.9110% | 1,989 |
| Net charge-offs to loans | -0.0008% | 3,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.4568% | 2,180 |
| Assets per employee ($millions) | 7.8217% | 1,405 |
| Cash dividends to net income (ytd only)* | 30.2663% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,314 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 61.3400% | 2,637 |
| Net loans and leases to deposits | 66.8545% | 3,006 |
| Net loans and leases to core deposits | 71.4345% | 3,043 |
| Total domestic deposits to total assets | 91.7500% | 465 |
| Equity capital to assets | 7.5049% | 3,514 |
| Core capital (leverage) ratio | 9.7545% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $765,218,333 | 1,217 |
| Average earning assets | $713,970,000 | 1,210 |
| Average equity | $58,247,667 | 1,417 |
| Average total loans | $479,571,667 | 1,255 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 3,050 |
| Cost of funding earning assets | 0.8302% | 2,599 |
| Net interest margin | 3.3673% | 2,716 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.2898% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8945% | 2,878 |
| Return on assets (ROA) | 0.8991% | 2,814 |
| Pretax return on assets | 1.1904% | 2,449 |
| Return on Equity (ROE) | 11.7300% | 2,288 |
| Retained earnings to average equity (ytd only) | 11.7268% | 1,315 |
| Net charge-offs to loans | 0.0042% | 1,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 448.2000% | 252 |
| Efficiency ratio | 65.9060% | 2,219 |
| Assets per employee ($millions) | 7.5085% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 2,433 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 62.6800% | 2,387 |
| Net loans and leases to deposits | 68.5740% | 2,726 |
| Net loans and leases to core deposits | 72.3188% | 2,794 |
| Total domestic deposits to total assets | 91.4100% | 672 |
| Equity capital to assets | 7.9109% | 3,307 |
| Core capital (leverage) ratio | 9.8396% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $756,741,500 | 1,247 |
| Average earning assets | $704,892,500 | 1,234 |
| Average equity | $58,021,000 | 1,435 |
| Average total loans | $476,494,500 | 1,275 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5345% | 2,988 |
| Cost of funding earning assets | 0.0967% | 4,408 |
| Net interest margin | 3.4378% | 2,138 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.1319% | 3,212 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0465% | 2,393 |
| Return on assets (ROA) | 1.0465% | 2,335 |
| Pretax return on assets | 1.3774% | 1,834 |
| Return on Equity (ROE) | 14.2900% | 1,466 |
| Retained earnings to average equity (ytd only) | 14.2929% | 352 |
| Net charge-offs to loans | 0.0429% | 1,261 |
| Credit loss provision to net charge-offs | 280.3109% | 947 |
| Earnings coverage of net charge-offs (x) | 58.1451% | 1,274 |
| Efficiency ratio | 59.5662% | 3,112 |
| Assets per employee ($millions) | 7.2584% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 1,374 |
| Loan loss allowance to noncurrent loans | 19,202.8571% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 3,875 |
| Noncurrent loans to loans | 0.0075% | 3,804 |
| Net loans and leases to total assets | 61.5600% | 2,489 |
| Net loans and leases to deposits | 66.9269% | 2,822 |
| Net loans and leases to core deposits | 67.8530% | 3,025 |
| Total domestic deposits to total assets | 91.9800% | 645 |
| Equity capital to assets | 7.4176% | 3,423 |
| Core capital (leverage) ratio | 9.2333% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $775,442,600 | 1,210 |
| Average earning assets | $729,188,600 | 1,188 |
| Average equity | $56,776,400 | 1,463 |
| Average total loans | $450,340,200 | 1,272 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2940% | 3,192 |
| Cost of funding earning assets | 0.0887% | 4,357 |
| Net interest margin | 3.2052% | 2,608 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.0874% | 3,242 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9535% | 2,650 |
| Return on assets (ROA) | 0.9535% | 2,620 |
| Pretax return on assets | 1.2493% | 2,209 |
| Return on Equity (ROE) | 13.0600% | 1,680 |
| Retained earnings to average equity (ytd only) | 13.0629% | 601 |
| Net charge-offs to loans | -0.0036% | 3,399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.6798% | 2,870 |
| Assets per employee ($millions) | 7.4754% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 1,342 |
| Loan loss allowance to noncurrent loans | 9,128.7671% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 3,898 |
| Noncurrent loans to loans | 0.0162% | 3,808 |
| Net loans and leases to total assets | 56.4200% | 2,862 |
| Net loans and leases to deposits | 61.1077% | 3,102 |
| Net loans and leases to core deposits | 61.7816% | 3,251 |
| Total domestic deposits to total assets | 92.3300% | 771 |
| Equity capital to assets | 6.7559% | 3,635 |
| Core capital (leverage) ratio | 8.9322% | 3,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0473% | 2,039 |
| Memoranda: | ||
| Average total assets | $782,399,750 | 1,211 |
| Average earning assets | $737,648,500 | 1,188 |
| Average equity | $57,106,750 | 1,472 |
| Average total loans | $446,182,750 | 1,273 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1246% | 3,248 |
| Cost of funding earning assets | 0.0915% | 4,279 |
| Net interest margin | 3.0331% | 2,791 |
| Noninterest income to average assets | 0.3915% | 2,810 |
| Noninterest expense to average assets | 2.0979% | 3,151 |
| Loan and lease loss provision to assets | 0.0693% | 1,375 |
| Net operating income to assets | 0.8401% | 2,818 |
| Return on assets (ROA) | 0.8401% | 2,791 |
| Pretax return on assets | 1.0840% | 2,465 |
| Return on Equity (ROE) | 11.2304% | 1,913 |
| Retained earnings to average equity (ytd only) | 11.2304% | 750 |
| Net charge-offs to loans | -0.0054% | 3,368 |
| Credit loss provision to net charge-offs | -2,258.3333% | 3,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5258% | 2,704 |
| Assets per employee ($millions) | 7.5934% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 1,432 |
| Loan loss allowance to noncurrent loans | 12,800.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 3,979 |
| Noncurrent loans to loans | 0.0117% | 3,893 |
| Net loans and leases to total assets | 54.6191% | 2,898 |
| Net loans and leases to deposits | 59.0772% | 3,126 |
| Net loans and leases to core deposits | 60.0755% | 3,269 |
| Total domestic deposits to total assets | 92.4538% | 669 |
| Equity capital to assets | 6.7135% | 3,935 |
| Core capital (leverage) ratio | 8.9375% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $781,562,000 | 1,210 |
| Average earning assets | $736,866,667 | 1,201 |
| Average equity | $58,466,333 | 1,466 |
| Average total loans | $445,078,333 | 1,270 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0527% | 3,101 |
| Cost of funding earning assets | 0.0957% | 4,190 |
| Net interest margin | 2.9570% | 2,646 |
| Noninterest income to average assets | 0.4229% | 2,537 |
| Noninterest expense to average assets | 2.1556% | 2,956 |
| Loan and lease loss provision to assets | 0.0951% | 869 |
| Net operating income to assets | 0.7295% | 2,943 |
| Return on assets (ROA) | 0.7295% | 2,932 |
| Pretax return on assets | 0.9643% | 2,562 |
| Return on Equity (ROE) | 9.2550% | 2,228 |
| Retained earnings to average equity (ytd only) | 9.2550% | 1,200 |
| Net charge-offs to loans | -0.0117% | 3,648 |
| Credit loss provision to net charge-offs | -1,407.6923% | 3,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0491% | 2,625 |
| Assets per employee ($millions) | 7.3358% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 1,629 |
| Loan loss allowance to noncurrent loans | 8,643.4211% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,972 |
| Noncurrent loans to loans | 0.0171% | 3,880 |
| Net loans and leases to total assets | 56.9191% | 2,428 |
| Net loans and leases to deposits | 62.1034% | 2,708 |
| Net loans and leases to core deposits | 63.4256% | 2,848 |
| Total domestic deposits to total assets | 91.6522% | 726 |
| Equity capital to assets | 7.4684% | 3,953 |
| Core capital (leverage) ratio | 8.7033% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $769,891,000 | 1,227 |
| Average earning assets | $726,952,500 | 1,216 |
| Average equity | $60,681,000 | 1,466 |
| Average total loans | $444,474,000 | 1,265 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3350% | 3,098 |
| Cost of funding earning assets | 0.1585% | 3,885 |
| Net interest margin | 3.1765% | 2,664 |
| Noninterest income to average assets | 0.4437% | 2,840 |
| Noninterest expense to average assets | 2.1758% | 3,157 |
| Loan and lease loss provision to assets | 0.0164% | 2,748 |
| Net operating income to assets | 0.9735% | 2,781 |
| Return on assets (ROA) | 0.9737% | 2,841 |
| Pretax return on assets | 1.2627% | 2,478 |
| Return on Equity (ROE) | 11.9313% | 1,842 |
| Retained earnings to average equity (ytd only) | 11.9313% | 539 |
| Net charge-offs to loans | -0.0013% | 3,310 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8953% | 2,732 |
| Assets per employee ($millions) | 7.5443% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 1,784 |
| Loan loss allowance to noncurrent loans | 2,795.1754% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 3,831 |
| Noncurrent loans to loans | 0.0514% | 3,711 |
| Net loans and leases to total assets | 56.8640% | 2,493 |
| Net loans and leases to deposits | 62.6148% | 2,821 |
| Net loans and leases to core deposits | 64.3452% | 2,950 |
| Total domestic deposits to total assets | 90.8156% | 576 |
| Equity capital to assets | 8.2956% | 4,182 |
| Core capital (leverage) ratio | 8.5291% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $732,239,600 | 1,244 |
| Average earning assets | $694,070,400 | 1,229 |
| Average equity | $59,759,000 | 1,514 |
| Average total loans | $449,508,800 | 1,266 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3890% | 3,132 |
| Cost of funding earning assets | 0.1751% | 3,870 |
| Net interest margin | 3.2139% | 2,687 |
| Noninterest income to average assets | 0.4727% | 2,742 |
| Noninterest expense to average assets | 2.1706% | 3,166 |
| Loan and lease loss provision to assets | 0.0221% | 2,552 |
| Net operating income to assets | 1.0098% | 2,867 |
| Return on assets (ROA) | 1.0101% | 2,931 |
| Pretax return on assets | 1.3279% | 2,548 |
| Return on Equity (ROE) | 12.4319% | 1,890 |
| Retained earnings to average equity (ytd only) | 12.4319% | 741 |
| Net charge-offs to loans | 0.0142% | 1,804 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 152.4583% | 674 |
| Efficiency ratio | 61.5445% | 2,760 |
| Assets per employee ($millions) | 7.5506% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,754 |
| Loan loss allowance to noncurrent loans | 3,379.1444% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 4,015 |
| Noncurrent loans to loans | 0.0434% | 3,899 |
| Net loans and leases to total assets | 55.0803% | 2,843 |
| Net loans and leases to deposits | 60.6413% | 3,171 |
| Net loans and leases to core deposits | 62.6956% | 3,247 |
| Total domestic deposits to total assets | 90.8298% | 423 |
| Equity capital to assets | 8.2735% | 4,366 |
| Core capital (leverage) ratio | 8.5660% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $722,919,750 | 1,277 |
| Average earning assets | $685,501,000 | 1,261 |
| Average equity | $58,739,750 | 1,559 |
| Average total loans | $450,898,000 | 1,283 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4271% | 3,094 |
| Cost of funding earning assets | 0.1976% | 3,776 |
| Net interest margin | 3.2294% | 2,666 |
| Noninterest income to average assets | 0.5113% | 2,579 |
| Noninterest expense to average assets | 2.1975% | 3,100 |
| Loan and lease loss provision to assets | 0.0339% | 2,304 |
| Net operating income to assets | 1.0208% | 2,822 |
| Return on assets (ROA) | 1.0213% | 2,898 |
| Pretax return on assets | 1.3442% | 2,503 |
| Return on Equity (ROE) | 12.6525% | 1,837 |
| Retained earnings to average equity (ytd only) | 12.6525% | 783 |
| Net charge-offs to loans | 0.0052% | 1,954 |
| Credit loss provision to net charge-offs | 1,000.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 405.9167% | 310 |
| Efficiency ratio | 61.2926% | 2,835 |
| Assets per employee ($millions) | 6.9173% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 2,056 |
| Loan loss allowance to noncurrent loans | 598.3992% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 3,165 |
| Noncurrent loans to loans | 0.2306% | 3,128 |
| Net loans and leases to total assets | 61.3512% | 2,258 |
| Net loans and leases to deposits | 67.5367% | 2,664 |
| Net loans and leases to core deposits | 70.9650% | 2,691 |
| Total domestic deposits to total assets | 90.8412% | 421 |
| Equity capital to assets | 8.3005% | 4,352 |
| Core capital (leverage) ratio | 8.5622% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $707,171,000 | 1,292 |
| Average earning assets | $670,893,000 | 1,274 |
| Average equity | $57,079,667 | 1,596 |
| Average total loans | $457,687,667 | 1,271 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4722% | 3,005 |
| Cost of funding earning assets | 0.2290% | 3,652 |
| Net interest margin | 3.2432% | 2,566 |
| Noninterest income to average assets | 0.5600% | 2,373 |
| Noninterest expense to average assets | 2.1214% | 3,354 |
| Loan and lease loss provision to assets | 0.0434% | 2,199 |
| Net operating income to assets | 1.1226% | 2,409 |
| Return on assets (ROA) | 1.1235% | 2,479 |
| Pretax return on assets | 1.4803% | 2,050 |
| Return on Equity (ROE) | 14.1344% | 1,406 |
| Retained earnings to average equity (ytd only) | 14.1344% | 741 |
| Net charge-offs to loans | 0.0079% | 1,623 |
| Credit loss provision to net charge-offs | 833.3333% | 461 |
| Earnings coverage of net charge-offs (x) | 292.1111% | 303 |
| Efficiency ratio | 57.8671% | 3,320 |
| Assets per employee ($millions) | 6.7303% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 2,247 |
| Loan loss allowance to noncurrent loans | 1,808.8825% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 3,847 |
| Noncurrent loans to loans | 0.0741% | 3,920 |
| Net loans and leases to total assets | 65.0979% | 1,913 |
| Net loans and leases to deposits | 71.2518% | 2,394 |
| Net loans and leases to core deposits | 75.0468% | 2,427 |
| Total domestic deposits to total assets | 91.3631% | 272 |
| Equity capital to assets | 7.7064% | 4,631 |
| Core capital (leverage) ratio | 8.1082% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $690,680,500 | 1,300 |
| Average earning assets | $656,757,000 | 1,282 |
| Average equity | $54,901,500 | 1,635 |
| Average total loans | $456,308,000 | 1,275 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 3,024 |
| Cost of funding earning assets | 0.4415% | 3,338 |
| Net interest margin | 3.4593% | 2,600 |
| Noninterest income to average assets | 0.6432% | 2,055 |
| Noninterest expense to average assets | 2.5868% | 2,593 |
| Loan and lease loss provision to assets | 0.2303% | 1,688 |
| Net operating income to assets | 0.8284% | 2,985 |
| Return on assets (ROA) | 0.8780% | 2,932 |
| Pretax return on assets | 1.1543% | 2,498 |
| Return on Equity (ROE) | 10.3623% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.3623% | 520 |
| Net charge-offs to loans | -0.0117% | 4,293 |
| Credit loss provision to net charge-offs | -2,770.8333% | 4,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7911% | 2,561 |
| Assets per employee ($millions) | 6.5486% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,918 |
| Loan loss allowance to noncurrent loans | 619.7421% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 3,395 |
| Noncurrent loans to loans | 0.2281% | 3,389 |
| Net loans and leases to total assets | 65.2205% | 2,202 |
| Net loans and leases to deposits | 71.7824% | 2,708 |
| Net loans and leases to core deposits | 76.3972% | 2,694 |
| Total domestic deposits to total assets | 90.8587% | 258 |
| Equity capital to assets | 8.2079% | 4,619 |
| Core capital (leverage) ratio | 8.2113% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $577,592,800 | 1,375 |
| Average earning assets | $545,221,000 | 1,364 |
| Average equity | $48,937,200 | 1,732 |
| Average total loans | $410,581,800 | 1,323 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 3,119 |
| Cost of funding earning assets | 0.4952% | 3,257 |
| Net interest margin | 3.4526% | 2,743 |
| Noninterest income to average assets | 0.6405% | 2,019 |
| Noninterest expense to average assets | 2.5700% | 2,628 |
| Loan and lease loss provision to assets | 0.3195% | 1,240 |
| Net operating income to assets | 0.7626% | 3,242 |
| Return on assets (ROA) | 0.7820% | 3,277 |
| Pretax return on assets | 1.0265% | 2,974 |
| Return on Equity (ROE) | 9.1433% | 2,338 |
| Retained earnings to average equity (ytd only) | 9.1433% | 946 |
| Net charge-offs to loans | -0.0030% | 3,944 |
| Credit loss provision to net charge-offs | -14,777.7778% | 4,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6337% | 2,516 |
| Assets per employee ($millions) | 6.3084% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 1,826 |
| Loan loss allowance to noncurrent loans | 632.1792% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 3,522 |
| Noncurrent loans to loans | 0.2183% | 3,512 |
| Net loans and leases to total assets | 69.6399% | 2,011 |
| Net loans and leases to deposits | 76.4857% | 2,701 |
| Net loans and leases to core deposits | 80.7842% | 2,773 |
| Total domestic deposits to total assets | 91.0495% | 160 |
| Equity capital to assets | 7.9563% | 4,727 |
| Core capital (leverage) ratio | 8.0736% | 4,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $555,002,500 | 1,412 |
| Average earning assets | $522,600,500 | 1,393 |
| Average equity | $47,465,250 | 1,762 |
| Average total loans | $402,754,750 | 1,336 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1371% | 2,947 |
| Cost of funding earning assets | 0.5495% | 3,239 |
| Net interest margin | 3.5875% | 2,526 |
| Noninterest income to average assets | 0.6114% | 2,089 |
| Noninterest expense to average assets | 2.6030% | 2,656 |
| Loan and lease loss provision to assets | 0.5042% | 706 |
| Net operating income to assets | 0.6643% | 3,530 |
| Return on assets (ROA) | 0.6948% | 3,509 |
| Pretax return on assets | 0.9109% | 3,281 |
| Return on Equity (ROE) | 7.9027% | 2,787 |
| Retained earnings to average equity (ytd only) | 7.9027% | 1,336 |
| Net charge-offs to loans | -0.0119% | 4,253 |
| Credit loss provision to net charge-offs | -5,782.6087% | 4,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9933% | 2,660 |
| Assets per employee ($millions) | 5.7280% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 1,411 |
| Loan loss allowance to noncurrent loans | 380.0855% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 3,071 |
| Noncurrent loans to loans | 0.3812% | 3,047 |
| Net loans and leases to total assets | 72.4270% | 1,632 |
| Net loans and leases to deposits | 80.1164% | 2,410 |
| Net loans and leases to core deposits | 84.7424% | 2,553 |
| Total domestic deposits to total assets | 90.4023% | 298 |
| Equity capital to assets | 8.4659% | 4,498 |
| Core capital (leverage) ratio | 8.4495% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $527,619,333 | 1,442 |
| Average earning assets | $495,327,000 | 1,426 |
| Average equity | $46,389,000 | 1,783 |
| Average total loans | $387,033,000 | 1,368 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4078% | 2,590 |
| Cost of funding earning assets | 0.6117% | 3,371 |
| Net interest margin | 3.7961% | 1,992 |
| Noninterest income to average assets | 0.4390% | 2,855 |
| Noninterest expense to average assets | 2.9585% | 1,989 |
| Loan and lease loss provision to assets | 0.2083% | 1,470 |
| Net operating income to assets | 0.6284% | 3,522 |
| Return on assets (ROA) | 0.6930% | 3,368 |
| Pretax return on assets | 0.9085% | 3,112 |
| Return on Equity (ROE) | 7.7142% | 2,632 |
| Retained earnings to average equity (ytd only) | 7.7142% | 1,315 |
| Net charge-offs to loans | -0.0153% | 4,225 |
| Credit loss provision to net charge-offs | -1,857.1429% | 3,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6409% | 1,866 |
| Assets per employee ($millions) | 5.0023% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 1,758 |
| Loan loss allowance to noncurrent loans | 331.5925% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 2,964 |
| Noncurrent loans to loans | 0.4173% | 3,000 |
| Net loans and leases to total assets | 71.8294% | 1,948 |
| Net loans and leases to deposits | 80.3714% | 2,640 |
| Net loans and leases to core deposits | 84.6188% | 2,794 |
| Total domestic deposits to total assets | 89.3718% | 523 |
| Equity capital to assets | 9.4922% | 4,230 |
| Core capital (leverage) ratio | 9.5106% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $499,302,500 | 1,467 |
| Average earning assets | $467,532,500 | 1,450 |
| Average equity | $44,852,500 | 1,819 |
| Average total loans | $365,860,000 | 1,400 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7612% | 2,161 |
| Cost of funding earning assets | 0.5275% | 3,980 |
| Net interest margin | 4.2336% | 1,247 |
| Noninterest income to average assets | 0.4684% | 2,911 |
| Noninterest expense to average assets | 2.9438% | 2,159 |
| Loan and lease loss provision to assets | 0.1495% | 1,429 |
| Net operating income to assets | 1.3091% | 1,655 |
| Return on assets (ROA) | 1.3093% | 1,731 |
| Pretax return on assets | 1.3145% | 2,455 |
| Return on Equity (ROE) | 15.8298% | 563 |
| Retained earnings to average equity (ytd only) | 15.0154% | 92 |
| Net charge-offs to loans | -0.0290% | 4,705 |
| Credit loss provision to net charge-offs | -672.7273% | 4,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3406% | 2,716 |
| Assets per employee ($millions) | 4.8837% | 2,725 |
| Cash dividends to net income (ytd only)* | 5.1449% | 3,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 1,699 |
| Loan loss allowance to noncurrent loans | 287.2566% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 2,732 |
| Noncurrent loans to loans | 0.4707% | 2,773 |
| Net loans and leases to total assets | 72.7336% | 1,958 |
| Net loans and leases to deposits | 80.4327% | 2,729 |
| Net loans and leases to core deposits | 83.6687% | 2,983 |
| Total domestic deposits to total assets | 90.4279% | 209 |
| Equity capital to assets | 8.4510% | 4,927 |
| Core capital (leverage) ratio | 8.6380% | 4,763 |
| Tier 1 risk-based capital ratio | 10.0648% | 5,115 |
| Total risk-based capital ratio | 11.2581% | 5,079 |
| Memoranda: | ||
| Average total assets | $445,340,600 | 1,576 |
| Average earning assets | $414,374,400 | 1,571 |
| Average equity | $36,835,600 | 2,056 |
| Average total loans | $341,081,600 | 1,458 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8213% | 2,055 |
| Cost of funding earning assets | 0.4941% | 4,162 |
| Net interest margin | 4.3272% | 1,110 |
| Noninterest income to average assets | 0.4774% | 2,866 |
| Noninterest expense to average assets | 2.8900% | 2,292 |
| Loan and lease loss provision to assets | 0.2043% | 862 |
| Net operating income to assets | 1.5009% | 1,181 |
| Return on assets (ROA) | 1.5012% | 1,242 |
| Pretax return on assets | 1.4051% | 2,291 |
| Return on Equity (ROE) | 18.2605% | 370 |
| Retained earnings to average equity (ytd only) | 17.1409% | 80 |
| Net charge-offs to loans | -0.0349% | 4,744 |
| Credit loss provision to net charge-offs | -756.8182% | 4,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7845% | 3,044 |
| Assets per employee ($millions) | 4.9442% | 2,623 |
| Cash dividends to net income (ytd only)* | 6.1312% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 1,639 |
| Loan loss allowance to noncurrent loans | 499.7942% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 3,236 |
| Noncurrent loans to loans | 0.2769% | 3,547 |
| Net loans and leases to total assets | 74.4931% | 1,717 |
| Net loans and leases to deposits | 82.2194% | 2,657 |
| Net loans and leases to core deposits | 84.8654% | 3,006 |
| Total domestic deposits to total assets | 90.6028% | 152 |
| Equity capital to assets | 8.1951% | 5,093 |
| Core capital (leverage) ratio | 8.3656% | 5,001 |
| Tier 1 risk-based capital ratio | 9.6975% | 5,219 |
| Total risk-based capital ratio | 10.9440% | 5,195 |
| Memoranda: | ||
| Average total assets | $434,584,000 | 1,622 |
| Average earning assets | $403,918,750 | 1,610 |
| Average equity | $35,726,500 | 2,120 |
| Average total loans | $336,333,000 | 1,482 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 1,965 |
| Cost of funding earning assets | 0.4502% | 4,324 |
| Net interest margin | 4.3809% | 977 |
| Noninterest income to average assets | 0.4744% | 2,817 |
| Noninterest expense to average assets | 2.8794% | 2,334 |
| Loan and lease loss provision to assets | 0.2356% | 677 |
| Net operating income to assets | 1.7389% | 671 |
| Return on assets (ROA) | 1.7408% | 702 |
| Pretax return on assets | 1.4369% | 2,079 |
| Return on Equity (ROE) | 21.1507% | 196 |
| Retained earnings to average equity (ytd only) | 21.1507% | 51 |
| Net charge-offs to loans | -0.0422% | 4,787 |
| Credit loss provision to net charge-offs | -714.2857% | 4,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8287% | 3,313 |
| Assets per employee ($millions) | 5.0627% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3624% | 1,765 |
| Loan loss allowance to noncurrent loans | 539.1003% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 3,233 |
| Noncurrent loans to loans | 0.2527% | 3,625 |
| Net loans and leases to total assets | 77.7193% | 1,271 |
| Net loans and leases to deposits | 86.1342% | 2,242 |
| Net loans and leases to core deposits | 89.0140% | 2,695 |
| Total domestic deposits to total assets | 90.2305% | 271 |
| Equity capital to assets | 8.5134% | 5,036 |
| Core capital (leverage) ratio | 8.5148% | 4,963 |
| Tier 1 risk-based capital ratio | 9.7859% | 5,252 |
| Total risk-based capital ratio | 11.0273% | 5,223 |
| Memoranda: | ||
| Average total assets | $424,526,670 | 1,660 |
| Average earning assets | $394,940,000 | 1,656 |
| Average equity | $34,939,670 | 2,141 |
| Average total loans | $331,421,000 | 1,509 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 1,949 |
| Cost of funding earning assets | 0.4238% | 4,386 |
| Net interest margin | 4.3600% | 988 |
| Noninterest income to average assets | 0.4858% | 2,637 |
| Noninterest expense to average assets | 2.8624% | 2,381 |
| Loan and lease loss provision to assets | 0.2386% | 627 |
| Net operating income to assets | 2.4147% | 185 |
| Return on assets (ROA) | 2.4176% | 193 |
| Pretax return on assets | 1.4431% | 1,948 |
| Return on Equity (ROE) | 29.9091% | 48 |
| Retained earnings to average equity (ytd only) | 29.9091% | 27 |
| Net charge-offs to loans | -0.0725% | 4,945 |
| Credit loss provision to net charge-offs | -423.7288% | 3,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5683% | 3,447 |
| Assets per employee ($millions) | 4.9647% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 2,104 |
| Loan loss allowance to noncurrent loans | 490.8788% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 3,046 |
| Noncurrent loans to loans | 0.2642% | 3,616 |
| Net loans and leases to total assets | 78.6706% | 1,043 |
| Net loans and leases to deposits | 86.8842% | 2,013 |
| Net loans and leases to core deposits | 90.0634% | 2,495 |
| Total domestic deposits to total assets | 90.5465% | 270 |
| Equity capital to assets | 8.3063% | 5,081 |
| Core capital (leverage) ratio | 8.5685% | 4,968 |
| Tier 1 risk-based capital ratio | 9.6575% | 5,321 |
| Total risk-based capital ratio | 10.8534% | 5,303 |
| Memoranda: | ||
| Average total assets | $419,093,000 | 1,690 |
| Average earning assets | $389,819,500 | 1,683 |
| Average equity | $33,876,000 | 2,193 |
| Average total loans | $325,602,000 | 1,538 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5551% | 2,277 |
| Cost of funding earning assets | 0.2857% | 4,636 |
| Net interest margin | 4.2694% | 1,227 |
| Noninterest income to average assets | 0.4708% | 2,993 |
| Noninterest expense to average assets | 2.9545% | 2,177 |
| Loan and lease loss provision to assets | 0.0617% | 2,924 |
| Net operating income to assets | 1.3449% | 1,635 |
| Return on assets (ROA) | 1.3442% | 1,627 |
| Pretax return on assets | 1.3442% | 2,346 |
| Return on Equity (ROE) | 17.2922% | 466 |
| Retained earnings to average equity (ytd only) | 12.3204% | 297 |
| Net charge-offs to loans | -0.0045% | 4,333 |
| Credit loss provision to net charge-offs | -1,846.1538% | 4,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2284% | 2,671 |
| Assets per employee ($millions) | 4.7817% | 2,766 |
| Cash dividends to net income (ytd only)* | 28.7517% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 1,947 |
| Loan loss allowance to noncurrent loans | 348.6831% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.5309% | 2,469 |
| Noncurrent loans to loans | 0.3786% | 3,177 |
| Net loans and leases to total assets | 74.6050% | 1,821 |
| Net loans and leases to deposits | 82.0517% | 2,723 |
| Net loans and leases to core deposits | 84.2093% | 3,065 |
| Total domestic deposits to total assets | 90.9244% | 224 |
| Equity capital to assets | 7.8515% | 5,209 |
| Core capital (leverage) ratio | 8.2707% | 5,139 |
| Tier 1 risk-based capital ratio | 9.5699% | 5,366 |
| Total risk-based capital ratio | 10.7571% | 5,349 |
| Memoranda: | ||
| Average total assets | $389,165,600 | 1,764 |
| Average earning assets | $354,612,600 | 1,789 |
| Average equity | $30,250,600 | 2,323 |
| Average total loans | $289,209,600 | 1,639 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5383% | 2,162 |
| Cost of funding earning assets | 0.2666% | 4,697 |
| Net interest margin | 4.2717% | 1,179 |
| Noninterest income to average assets | 0.4921% | 2,917 |
| Noninterest expense to average assets | 2.9665% | 2,124 |
| Loan and lease loss provision to assets | 0.0469% | 3,047 |
| Net operating income to assets | 1.3484% | 1,668 |
| Return on assets (ROA) | 1.3474% | 1,687 |
| Pretax return on assets | 1.3474% | 2,439 |
| Return on Equity (ROE) | 17.3804% | 502 |
| Retained earnings to average equity (ytd only) | 14.2244% | 230 |
| Net charge-offs to loans | -0.0014% | 4,047 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4847% | 2,633 |
| Assets per employee ($millions) | 4.7076% | 2,839 |
| Cash dividends to net income (ytd only)* | 18.1583% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 1,916 |
| Loan loss allowance to noncurrent loans | 347.4739% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 2,523 |
| Noncurrent loans to loans | 0.3855% | 3,274 |
| Net loans and leases to total assets | 74.2929% | 1,933 |
| Net loans and leases to deposits | 81.0554% | 2,918 |
| Net loans and leases to core deposits | 83.2508% | 3,219 |
| Total domestic deposits to total assets | 91.6569% | 114 |
| Equity capital to assets | 7.8664% | 5,218 |
| Core capital (leverage) ratio | 8.3225% | 5,192 |
| Tier 1 risk-based capital ratio | 9.6922% | 5,421 |
| Total risk-based capital ratio | 10.8816% | 5,405 |
| Memoranda: | ||
| Average total assets | $383,651,500 | 1,788 |
| Average earning assets | $347,550,500 | 1,824 |
| Average equity | $29,741,500 | 2,358 |
| Average total loans | $283,788,000 | 1,673 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4317% | 2,314 |
| Cost of funding earning assets | 0.2376% | 4,816 |
| Net interest margin | 4.1941% | 1,305 |
| Noninterest income to average assets | 0.4682% | 3,045 |
| Noninterest expense to average assets | 3.0032% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2857% | 1,836 |
| Return on assets (ROA) | 1.2857% | 1,837 |
| Pretax return on assets | 1.2857% | 2,572 |
| Return on Equity (ROE) | 16.6699% | 564 |
| Retained earnings to average equity (ytd only) | 11.8622% | 541 |
| Net charge-offs to loans | -0.0279% | 4,718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4830% | 2,397 |
| Assets per employee ($millions) | 4.7031% | 2,812 |
| Cash dividends to net income (ytd only)* | 28.8406% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 1,980 |
| Loan loss allowance to noncurrent loans | 403.5270% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 2,734 |
| Noncurrent loans to loans | 0.3327% | 3,503 |
| Net loans and leases to total assets | 71.5118% | 2,357 |
| Net loans and leases to deposits | 77.6730% | 3,188 |
| Net loans and leases to core deposits | 79.0491% | 3,496 |
| Total domestic deposits to total assets | 92.0678% | 85 |
| Equity capital to assets | 7.4807% | 5,378 |
| Core capital (leverage) ratio | 8.0099% | 5,342 |
| Tier 1 risk-based capital ratio | 9.5789% | 5,486 |
| Total risk-based capital ratio | 10.7791% | 5,471 |
| Memoranda: | ||
| Average total assets | $379,722,330 | 1,817 |
| Average earning assets | $345,918,000 | 1,835 |
| Average equity | $29,286,330 | 2,393 |
| Average total loans | $279,126,670 | 1,696 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4413% | 2,051 |
| Cost of funding earning assets | 0.2331% | 4,812 |
| Net interest margin | 4.2082% | 1,159 |
| Noninterest income to average assets | 0.4263% | 3,275 |
| Noninterest expense to average assets | 3.0316% | 1,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2042% | 1,985 |
| Return on assets (ROA) | 1.2042% | 1,996 |
| Pretax return on assets | 1.2042% | 2,733 |
| Return on Equity (ROE) | 15.3639% | 738 |
| Retained earnings to average equity (ytd only) | 11.1675% | 854 |
| Net charge-offs to loans | -0.0424% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0089% | 2,337 |
| Assets per employee ($millions) | 4.5674% | 3,041 |
| Cash dividends to net income (ytd only)* | 27.3136% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 1,830 |
| Loan loss allowance to noncurrent loans | 1,071.8232% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 3,329 |
| Noncurrent loans to loans | 0.1309% | 4,381 |
| Net loans and leases to total assets | 71.9320% | 2,177 |
| Net loans and leases to deposits | 78.2254% | 2,997 |
| Net loans and leases to core deposits | 79.9162% | 3,331 |
| Total domestic deposits to total assets | 91.9548% | 112 |
| Equity capital to assets | 7.6699% | 5,377 |
| Core capital (leverage) ratio | 8.1856% | 5,322 |
| Tier 1 risk-based capital ratio | 9.8103% | 5,533 |
| Total risk-based capital ratio | 11.0606% | 5,490 |
| Memoranda: | ||
| Average total assets | $369,702,500 | 1,859 |
| Average earning assets | $334,677,500 | 1,903 |
| Average equity | $28,977,000 | 2,438 |
| Average total loans | $273,806,500 | 1,723 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 2,189 |
| Cost of funding earning assets | 0.2516% | 4,545 |
| Net interest margin | 4.0960% | 1,457 |
| Noninterest income to average assets | 0.5124% | 2,922 |
| Noninterest expense to average assets | 3.1006% | 1,858 |
| Loan and lease loss provision to assets | 0.2293% | 853 |
| Net operating income to assets | 0.8824% | 2,805 |
| Return on assets (ROA) | 0.8847% | 2,817 |
| Pretax return on assets | 0.8847% | 3,963 |
| Return on Equity (ROE) | 11.0441% | 1,465 |
| Retained earnings to average equity (ytd only) | 7.6454% | 878 |
| Net charge-offs to loans | 0.0614% | 2,593 |
| Credit loss provision to net charge-offs | 519.4805% | 598 |
| Earnings coverage of net charge-offs (x) | 25.1883% | 1,725 |
| Efficiency ratio | 73.0099% | 2,061 |
| Assets per employee ($millions) | 4.3940% | 3,353 |
| Cash dividends to net income (ytd only)* | 30.7742% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 1,681 |
| Loan loss allowance to noncurrent loans | 510.0662% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.4657% | 3,012 |
| Noncurrent loans to loans | 0.2786% | 3,786 |
| Net loans and leases to total assets | 74.1559% | 1,892 |
| Net loans and leases to deposits | 81.0449% | 2,811 |
| Net loans and leases to core deposits | 82.7902% | 3,169 |
| Total domestic deposits to total assets | 91.4998% | 138 |
| Equity capital to assets | 8.0147% | 5,389 |
| Core capital (leverage) ratio | 8.2276% | 5,336 |
| Tier 1 risk-based capital ratio | 9.8640% | 5,556 |
| Total risk-based capital ratio | 11.1143% | 5,519 |
| Memoranda: | ||
| Average total assets | $348,930,000 | 1,924 |
| Average earning assets | $315,182,800 | 1,962 |
| Average equity | $27,951,600 | 2,492 |
| Average total loans | $250,774,600 | 1,808 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2963% | 2,272 |
| Cost of funding earning assets | 0.2552% | 4,518 |
| Net interest margin | 4.0412% | 1,567 |
| Noninterest income to average assets | 0.5178% | 2,918 |
| Noninterest expense to average assets | 3.0863% | 1,841 |
| Loan and lease loss provision to assets | 0.2600% | 649 |
| Net operating income to assets | 0.8202% | 3,437 |
| Return on assets (ROA) | 0.8233% | 3,459 |
| Pretax return on assets | 0.8233% | 4,292 |
| Return on Equity (ROE) | 10.2787% | 1,993 |
| Retained earnings to average equity (ytd only) | 7.1523% | 1,611 |
| Net charge-offs to loans | 0.1080% | 1,706 |
| Credit loss provision to net charge-offs | 339.1960% | 886 |
| Earnings coverage of net charge-offs (x) | 14.0903% | 2,320 |
| Efficiency ratio | 73.4628% | 1,978 |
| Assets per employee ($millions) | 4.2265% | 3,597 |
| Cash dividends to net income (ytd only)* | 30.4167% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 1,813 |
| Loan loss allowance to noncurrent loans | 414.9944% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 2,991 |
| Noncurrent loans to loans | 0.3421% | 3,719 |
| Net loans and leases to total assets | 71.9965% | 2,256 |
| Net loans and leases to deposits | 78.7313% | 3,096 |
| Net loans and leases to core deposits | 80.3100% | 3,427 |
| Total domestic deposits to total assets | 91.4459% | 108 |
| Equity capital to assets | 8.1333% | 5,467 |
| Core capital (leverage) ratio | 8.1334% | 5,459 |
| Tier 1 risk-based capital ratio | 10.0905% | 5,576 |
| Total risk-based capital ratio | 11.3414% | 5,532 |
| Memoranda: | ||
| Average total assets | $346,084,750 | 1,943 |
| Average earning assets | $312,476,500 | 1,990 |
| Average equity | $27,720,000 | 2,520 |
| Average total loans | $245,707,500 | 1,849 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 2,351 |
| Cost of funding earning assets | 0.2548% | 4,499 |
| Net interest margin | 3.9773% | 1,686 |
| Noninterest income to average assets | 0.5066% | 2,978 |
| Noninterest expense to average assets | 3.0819% | 1,880 |
| Loan and lease loss provision to assets | 0.2623% | 626 |
| Net operating income to assets | 0.7560% | 3,607 |
| Return on assets (ROA) | 0.7607% | 3,638 |
| Pretax return on assets | 0.7607% | 4,402 |
| Return on Equity (ROE) | 9.5482% | 2,245 |
| Retained earnings to average equity (ytd only) | 6.6215% | 1,785 |
| Net charge-offs to loans | 0.1095% | 1,539 |
| Credit loss provision to net charge-offs | 340.9091% | 879 |
| Earnings coverage of net charge-offs (x) | 13.2348% | 2,143 |
| Efficiency ratio | 74.5380% | 1,917 |
| Assets per employee ($millions) | 4.2810% | 3,467 |
| Cash dividends to net income (ytd only)* | 30.6513% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 1,894 |
| Loan loss allowance to noncurrent loans | 375.1864% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 2,961 |
| Noncurrent loans to loans | 0.3767% | 3,675 |
| Net loans and leases to total assets | 69.1653% | 2,643 |
| Net loans and leases to deposits | 75.4958% | 3,406 |
| Net loans and leases to core deposits | 78.0703% | 3,591 |
| Total domestic deposits to total assets | 91.6148% | 118 |
| Equity capital to assets | 7.9946% | 5,539 |
| Core capital (leverage) ratio | 8.1574% | 5,453 |
| Tier 1 risk-based capital ratio | 10.1268% | 5,598 |
| Total risk-based capital ratio | 11.3767% | 5,543 |
| Memoranda: | ||
| Average total assets | $343,105,000 | 1,963 |
| Average earning assets | $310,012,000 | 2,004 |
| Average equity | $27,335,000 | 2,549 |
| Average total loans | $241,181,330 | 1,876 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 2,417 |
| Cost of funding earning assets | 0.2563% | 4,484 |
| Net interest margin | 3.9061% | 1,755 |
| Noninterest income to average assets | 0.4653% | 3,219 |
| Noninterest expense to average assets | 3.0909% | 1,890 |
| Loan and lease loss provision to assets | 0.2671% | 547 |
| Net operating income to assets | 0.6350% | 4,002 |
| Return on assets (ROA) | 0.6445% | 3,990 |
| Pretax return on assets | 0.6445% | 4,613 |
| Return on Equity (ROE) | 8.1048% | 2,866 |
| Retained earnings to average equity (ytd only) | 5.1196% | 2,820 |
| Net charge-offs to loans | 0.2142% | 827 |
| Credit loss provision to net charge-offs | 177.1654% | 1,099 |
| Earnings coverage of net charge-offs (x) | 5.9843% | 2,245 |
| Efficiency ratio | 76.7539% | 1,793 |
| Assets per employee ($millions) | 4.1527% | 3,753 |
| Cash dividends to net income (ytd only)* | 36.8324% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 2,224 |
| Loan loss allowance to noncurrent loans | 469.1761% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 3,245 |
| Noncurrent loans to loans | 0.2913% | 4,069 |
| Net loans and leases to total assets | 70.0046% | 2,376 |
| Net loans and leases to deposits | 76.3540% | 3,155 |
| Net loans and leases to core deposits | 78.7609% | 3,415 |
| Total domestic deposits to total assets | 91.6842% | 148 |
| Equity capital to assets | 7.9910% | 5,523 |
| Core capital (leverage) ratio | 8.3197% | 5,367 |
| Tier 1 risk-based capital ratio | 10.4937% | 5,545 |
| Total risk-based capital ratio | 11.7436% | 5,469 |
| Memoranda: | ||
| Average total assets | $336,994,000 | 2,008 |
| Average earning assets | $304,348,000 | 2,048 |
| Average equity | $26,799,000 | 2,589 |
| Average total loans | $237,129,000 | 1,912 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1343% | 2,717 |
| Cost of funding earning assets | 0.2713% | 4,350 |
| Net interest margin | 3.8630% | 2,089 |
| Noninterest income to average assets | 0.5906% | 2,710 |
| Noninterest expense to average assets | 3.2838% | 1,612 |
| Loan and lease loss provision to assets | 0.1184% | 2,094 |
| Net operating income to assets | 0.6874% | 3,837 |
| Return on assets (ROA) | 0.7057% | 3,869 |
| Pretax return on assets | 0.7057% | 4,467 |
| Return on Equity (ROE) | 7.9102% | 2,992 |
| Retained earnings to average equity (ytd only) | 5.2561% | 2,159 |
| Net charge-offs to loans | -0.0158% | 5,063 |
| Credit loss provision to net charge-offs | -1,112.5000% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2960% | 1,385 |
| Assets per employee ($millions) | 4.2211% | 3,588 |
| Cash dividends to net income (ytd only)* | 33.5533% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 2,173 |
| Loan loss allowance to noncurrent loans | 271.1506% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.7215% | 2,567 |
| Noncurrent loans to loans | 0.5082% | 3,321 |
| Net loans and leases to total assets | 68.7833% | 2,652 |
| Net loans and leases to deposits | 75.0175% | 3,412 |
| Net loans and leases to core deposits | 78.2242% | 3,555 |
| Total domestic deposits to total assets | 91.6897% | 138 |
| Equity capital to assets | 7.9130% | 5,599 |
| Core capital (leverage) ratio | 8.3518% | 5,400 |
| Tier 1 risk-based capital ratio | 10.4735% | 5,583 |
| Total risk-based capital ratio | 11.7097% | 5,530 |
| Memoranda: | ||
| Average total assets | $300,692,000 | 2,157 |
| Average earning assets | $272,355,600 | 2,196 |
| Average equity | $26,826,200 | 2,583 |
| Average total loans | $202,963,800 | 2,098 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1108% | 2,836 |
| Cost of funding earning assets | 0.2775% | 4,316 |
| Net interest margin | 3.8333% | 2,215 |
| Noninterest income to average assets | 0.6254% | 2,546 |
| Noninterest expense to average assets | 3.3490% | 1,459 |
| Loan and lease loss provision to assets | 0.0811% | 2,585 |
| Net operating income to assets | 0.6705% | 4,001 |
| Return on assets (ROA) | 0.6837% | 4,070 |
| Pretax return on assets | 0.6837% | 4,656 |
| Return on Equity (ROE) | 7.4248% | 3,339 |
| Retained earnings to average equity (ytd only) | 5.2617% | 2,655 |
| Net charge-offs to loans | -0.0130% | 4,868 |
| Credit loss provision to net charge-offs | -936.8421% | 5,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6696% | 1,231 |
| Assets per employee ($millions) | 4.0125% | 3,945 |
| Cash dividends to net income (ytd only)* | 29.1332% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 2,314 |
| Loan loss allowance to noncurrent loans | 297.5321% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 2,780 |
| Noncurrent loans to loans | 0.4624% | 3,627 |
| Net loans and leases to total assets | 68.1594% | 2,777 |
| Net loans and leases to deposits | 75.0649% | 3,491 |
| Net loans and leases to core deposits | 78.2520% | 3,645 |
| Total domestic deposits to total assets | 90.8006% | 242 |
| Equity capital to assets | 8.7972% | 5,321 |
| Core capital (leverage) ratio | 8.6865% | 5,167 |
| Tier 1 risk-based capital ratio | 10.7803% | 5,483 |
| Total risk-based capital ratio | 11.9829% | 5,416 |
| Memoranda: | ||
| Average total assets | $292,498,500 | 2,217 |
| Average earning assets | $265,178,500 | 2,259 |
| Average equity | $26,936,000 | 2,590 |
| Average total loans | $195,561,250 | 2,158 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 2,731 |
| Cost of funding earning assets | 0.2815% | 4,330 |
| Net interest margin | 3.8542% | 2,122 |
| Noninterest income to average assets | 0.5683% | 2,804 |
| Noninterest expense to average assets | 3.3482% | 1,485 |
| Loan and lease loss provision to assets | 0.1252% | 1,823 |
| Net operating income to assets | 0.5909% | 4,318 |
| Return on assets (ROA) | 0.5972% | 4,405 |
| Pretax return on assets | 0.5972% | 4,893 |
| Return on Equity (ROE) | 6.3788% | 3,863 |
| Retained earnings to average equity (ytd only) | 4.4103% | 3,108 |
| Net charge-offs to loans | 0.0085% | 3,406 |
| Credit loss provision to net charge-offs | 2,225.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 127.2500% | 469 |
| Efficiency ratio | 82.3814% | 1,228 |
| Assets per employee ($millions) | 3.7672% | 4,328 |
| Cash dividends to net income (ytd only)* | 30.8598% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 1,764 |
| Loan loss allowance to noncurrent loans | 636.8870% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 3,320 |
| Noncurrent loans to loans | 0.2399% | 4,490 |
| Net loans and leases to total assets | 63.0956% | 3,486 |
| Net loans and leases to deposits | 69.6115% | 4,018 |
| Net loans and leases to core deposits | 72.6882% | 4,114 |
| Total domestic deposits to total assets | 90.6395% | 278 |
| Equity capital to assets | 8.9567% | 5,274 |
| Core capital (leverage) ratio | 8.8073% | 5,049 |
| Tier 1 risk-based capital ratio | 11.3404% | 5,256 |
| Total risk-based capital ratio | 12.5907% | 5,152 |
| Memoranda: | ||
| Average total assets | $284,335,330 | 2,272 |
| Average earning assets | $257,898,330 | 2,311 |
| Average equity | $26,619,330 | 2,623 |
| Average total loans | $187,724,670 | 2,235 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 2,610 |
| Cost of funding earning assets | 0.2850% | 4,332 |
| Net interest margin | 3.8771% | 2,003 |
| Noninterest income to average assets | 0.4906% | 3,193 |
| Noninterest expense to average assets | 3.3249% | 1,543 |
| Loan and lease loss provision to assets | 0.1738% | 1,178 |
| Net operating income to assets | 0.5082% | 4,598 |
| Return on assets (ROA) | 0.5169% | 4,660 |
| Pretax return on assets | 0.5169% | 5,038 |
| Return on Equity (ROE) | 5.3915% | 4,294 |
| Retained earnings to average equity (ytd only) | 3.6857% | 3,649 |
| Net charge-offs to loans | 0.0566% | 1,950 |
| Credit loss provision to net charge-offs | 457.6923% | 649 |
| Earnings coverage of net charge-offs (x) | 17.9615% | 1,554 |
| Efficiency ratio | 82.9810% | 1,262 |
| Assets per employee ($millions) | 3.7930% | 4,313 |
| Cash dividends to net income (ytd only)* | 31.6384% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 1,734 |
| Loan loss allowance to noncurrent loans | 612.6316% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 3,073 |
| Noncurrent loans to loans | 0.2554% | 4,519 |
| Net loans and leases to total assets | 66.1096% | 2,930 |
| Net loans and leases to deposits | 73.4491% | 3,505 |
| Net loans and leases to core deposits | 77.9137% | 3,496 |
| Total domestic deposits to total assets | 90.0075% | 593 |
| Equity capital to assets | 9.6343% | 4,527 |
| Core capital (leverage) ratio | 9.6460% | 3,972 |
| Tier 1 risk-based capital ratio | 12.6035% | 4,518 |
| Total risk-based capital ratio | 13.8550% | 4,428 |
| Memoranda: | ||
| Average total assets | $273,930,500 | 2,355 |
| Average earning assets | $248,432,500 | 2,401 |
| Average equity | $26,263,500 | 2,643 |
| Average total loans | $183,827,000 | 2,275 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 2,085 |
| Cost of funding earning assets | 0.3056% | 4,188 |
| Net interest margin | 4.0373% | 1,599 |
| Noninterest income to average assets | 0.6891% | 2,253 |
| Noninterest expense to average assets | 3.1903% | 1,989 |
| Loan and lease loss provision to assets | 0.0788% | 2,706 |
| Net operating income to assets | 1.0675% | 2,051 |
| Return on assets (ROA) | 1.0821% | 2,064 |
| Pretax return on assets | 1.0821% | 3,145 |
| Return on Equity (ROE) | 11.2312% | 1,536 |
| Retained earnings to average equity (ytd only) | 6.8728% | 1,337 |
| Net charge-offs to loans | 0.1819% | 1,582 |
| Credit loss provision to net charge-offs | 61.3772% | 3,251 |
| Earnings coverage of net charge-offs (x) | 8.9251% | 2,884 |
| Efficiency ratio | 73.5657% | 2,647 |
| Assets per employee ($millions) | 3.8165% | 4,258 |
| Cash dividends to net income (ytd only)* | 38.8060% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 1,801 |
| Loan loss allowance to noncurrent loans | 588.1002% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.7754% | 2,740 |
| Noncurrent loans to loans | 0.2636% | 4,504 |
| Net loans and leases to total assets | 66.0130% | 2,973 |
| Net loans and leases to deposits | 73.3293% | 3,571 |
| Net loans and leases to core deposits | 77.9306% | 3,552 |
| Total domestic deposits to total assets | 90.0227% | 623 |
| Equity capital to assets | 9.5400% | 4,504 |
| Core capital (leverage) ratio | 9.6341% | 4,001 |
| Tier 1 risk-based capital ratio | 12.7895% | 4,460 |
| Total risk-based capital ratio | 14.0409% | 4,354 |
| Memoranda: | ||
| Average total assets | $260,040,200 | 2,422 |
| Average earning assets | $234,933,600 | 2,462 |
| Average equity | $25,055,200 | 2,689 |
| Average total loans | $183,664,400 | 2,202 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 2,098 |
| Cost of funding earning assets | 0.3088% | 4,241 |
| Net interest margin | 4.0344% | 1,599 |
| Noninterest income to average assets | 0.6861% | 2,297 |
| Noninterest expense to average assets | 3.1453% | 2,098 |
| Loan and lease loss provision to assets | 0.1062% | 2,096 |
| Net operating income to assets | 1.0773% | 2,107 |
| Return on assets (ROA) | 1.0970% | 2,104 |
| Pretax return on assets | 1.0970% | 3,236 |
| Return on Equity (ROE) | 11.3557% | 1,585 |
| Retained earnings to average equity (ytd only) | 7.1073% | 1,635 |
| Net charge-offs to loans | 0.1643% | 1,511 |
| Credit loss provision to net charge-offs | 90.3084% | 2,469 |
| Earnings coverage of net charge-offs (x) | 10.0617% | 2,632 |
| Efficiency ratio | 72.6598% | 2,768 |
| Assets per employee ($millions) | 4.0142% | 3,852 |
| Cash dividends to net income (ytd only)* | 37.4113% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5506% | 1,963 |
| Loan loss allowance to noncurrent loans | 274.2964% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.9571% | 2,457 |
| Noncurrent loans to loans | 0.5653% | 3,647 |
| Net loans and leases to total assets | 69.0270% | 2,533 |
| Net loans and leases to deposits | 76.6919% | 3,228 |
| Net loans and leases to core deposits | 81.4521% | 3,314 |
| Total domestic deposits to total assets | 90.0056% | 560 |
| Equity capital to assets | 9.5534% | 4,685 |
| Core capital (leverage) ratio | 9.5805% | 4,199 |
| Tier 1 risk-based capital ratio | 12.2537% | 4,924 |
| Total risk-based capital ratio | 13.5055% | 4,818 |
| Memoranda: | ||
| Average total assets | $257,306,750 | 2,462 |
| Average earning assets | $232,329,500 | 2,504 |
| Average equity | $24,856,250 | 2,725 |
| Average total loans | $184,156,750 | 2,216 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3700% | 1,945 |
| Cost of funding earning assets | 0.3124% | 4,249 |
| Net interest margin | 4.0576% | 1,474 |
| Noninterest income to average assets | 0.6976% | 2,223 |
| Noninterest expense to average assets | 3.0928% | 2,262 |
| Loan and lease loss provision to assets | 0.1302% | 1,700 |
| Net operating income to assets | 1.1341% | 1,825 |
| Return on assets (ROA) | 1.1640% | 1,801 |
| Pretax return on assets | 1.1640% | 2,922 |
| Return on Equity (ROE) | 12.0031% | 1,369 |
| Retained earnings to average equity (ytd only) | 7.5111% | 1,470 |
| Net charge-offs to loans | 0.2649% | 986 |
| Credit loss provision to net charge-offs | 68.1818% | 2,479 |
| Earnings coverage of net charge-offs (x) | 6.6198% | 2,760 |
| Efficiency ratio | 70.9835% | 3,157 |
| Assets per employee ($millions) | 4.0711% | 3,742 |
| Cash dividends to net income (ytd only)* | 37.4237% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 2,008 |
| Loan loss allowance to noncurrent loans | 438.6850% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.9530% | 2,625 |
| Noncurrent loans to loans | 0.3581% | 4,424 |
| Net loans and leases to total assets | 68.9961% | 2,484 |
| Net loans and leases to deposits | 76.6198% | 3,197 |
| Net loans and leases to core deposits | 81.6227% | 3,223 |
| Total domestic deposits to total assets | 90.0499% | 646 |
| Equity capital to assets | 9.5463% | 4,598 |
| Core capital (leverage) ratio | 9.7740% | 3,904 |
| Tier 1 risk-based capital ratio | 12.3180% | 4,926 |
| Total risk-based capital ratio | 13.5697% | 4,823 |
| Memoranda: | ||
| Average total assets | $253,425,670 | 2,519 |
| Average earning assets | $228,559,670 | 2,552 |
| Average equity | $24,577,000 | 2,760 |
| Average total loans | $182,685,000 | 2,242 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 1,855 |
| Cost of funding earning assets | 0.3123% | 4,305 |
| Net interest margin | 4.0618% | 1,381 |
| Noninterest income to average assets | 0.6596% | 2,361 |
| Noninterest expense to average assets | 2.9424% | 2,770 |
| Loan and lease loss provision to assets | 0.0720% | 2,497 |
| Net operating income to assets | 1.3095% | 1,238 |
| Return on assets (ROA) | 1.3704% | 1,153 |
| Pretax return on assets | 1.3704% | 1,997 |
| Return on Equity (ROE) | 14.0161% | 875 |
| Retained earnings to average equity (ytd only) | 8.6618% | 1,321 |
| Net charge-offs to loans | 0.5298% | 473 |
| Credit loss provision to net charge-offs | 18.5950% | 2,372 |
| Earnings coverage of net charge-offs (x) | 3.5661% | 2,590 |
| Efficiency ratio | 68.0489% | 3,814 |
| Assets per employee ($millions) | 4.2846% | 3,403 |
| Cash dividends to net income (ytd only)* | 38.2009% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 2,413 |
| Loan loss allowance to noncurrent loans | 339.8022% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 1.1519% | 2,335 |
| Noncurrent loans to loans | 0.4436% | 4,262 |
| Net loans and leases to total assets | 71.0560% | 1,973 |
| Net loans and leases to deposits | 80.1242% | 2,547 |
| Net loans and leases to core deposits | 85.2054% | 2,630 |
| Total domestic deposits to total assets | 88.6824% | 1,460 |
| Equity capital to assets | 9.8358% | 4,342 |
| Core capital (leverage) ratio | 9.8597% | 3,809 |
| Tier 1 risk-based capital ratio | 12.2358% | 5,084 |
| Total risk-based capital ratio | 13.4873% | 4,993 |
| Memoranda: | ||
| Average total assets | $249,863,000 | 2,562 |
| Average earning assets | $225,417,000 | 2,592 |
| Average equity | $24,429,000 | 2,793 |
| Average total loans | $182,708,000 | 2,256 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5609% | 1,663 |
| Cost of funding earning assets | 0.3505% | 4,248 |
| Net interest margin | 4.2104% | 1,266 |
| Noninterest income to average assets | 0.5542% | 3,154 |
| Noninterest expense to average assets | 2.8739% | 3,224 |
| Loan and lease loss provision to assets | 0.0205% | 4,209 |
| Net operating income to assets | 1.4705% | 933 |
| Return on assets (ROA) | 1.4820% | 951 |
| Pretax return on assets | 1.4820% | 1,610 |
| Return on Equity (ROE) | 15.7713% | 653 |
| Retained earnings to average equity (ytd only) | 6.8033% | 1,495 |
| Net charge-offs to loans | 0.4048% | 1,061 |
| Credit loss provision to net charge-offs | 7.0323% | 4,136 |
| Earnings coverage of net charge-offs (x) | 5.1238% | 3,492 |
| Efficiency ratio | 65.8415% | 4,279 |
| Assets per employee ($millions) | 4.5729% | 2,917 |
| Cash dividends to net income (ytd only)* | 56.8627% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 2,056 |
| Loan loss allowance to noncurrent loans | 237.5806% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 1.3570% | 2,057 |
| Noncurrent loans to loans | 0.6774% | 3,648 |
| Net loans and leases to total assets | 72.9333% | 1,767 |
| Net loans and leases to deposits | 82.0977% | 2,456 |
| Net loans and leases to core deposits | 87.4202% | 2,562 |
| Total domestic deposits to total assets | 88.8371% | 1,331 |
| Equity capital to assets | 9.7168% | 4,445 |
| Core capital (leverage) ratio | 9.5944% | 4,111 |
| Tier 1 risk-based capital ratio | 11.0186% | 5,899 |
| Total risk-based capital ratio | 12.2695% | 5,838 |
| Memoranda: | ||
| Average total assets | $244,336,000 | 2,579 |
| Average earning assets | $221,141,800 | 2,614 |
| Average equity | $22,959,400 | 2,853 |
| Average total loans | $175,658,000 | 2,276 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 1,721 |
| Cost of funding earning assets | 0.3570% | 4,269 |
| Net interest margin | 4.1863% | 1,326 |
| Noninterest income to average assets | 0.5318% | 3,312 |
| Noninterest expense to average assets | 2.8621% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4554% | 1,018 |
| Return on assets (ROA) | 1.4713% | 1,024 |
| Pretax return on assets | 1.4713% | 1,737 |
| Return on Equity (ROE) | 15.7935% | 699 |
| Retained earnings to average equity (ytd only) | 6.9306% | 1,849 |
| Net charge-offs to loans | 0.1741% | 2,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.7180% | 2,384 |
| Efficiency ratio | 66.2907% | 4,172 |
| Assets per employee ($millions) | 4.7642% | 2,578 |
| Cash dividends to net income (ytd only)* | 56.1176% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8667% | 1,536 |
| Loan loss allowance to noncurrent loans | 230.5593% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 1.3886% | 2,226 |
| Noncurrent loans to loans | 0.8096% | 3,555 |
| Net loans and leases to total assets | 71.7243% | 1,899 |
| Net loans and leases to deposits | 81.4786% | 2,491 |
| Net loans and leases to core deposits | 87.4319% | 2,487 |
| Total domestic deposits to total assets | 88.0284% | 1,752 |
| Equity capital to assets | 9.4572% | 4,847 |
| Core capital (leverage) ratio | 9.5396% | 4,320 |
| Tier 1 risk-based capital ratio | 10.7665% | 6,104 |
| Total risk-based capital ratio | 12.0201% | 6,053 |
| Memoranda: | ||
| Average total assets | $243,686,500 | 2,598 |
| Average earning assets | $220,363,750 | 2,633 |
| Average equity | $22,700,750 | 2,883 |
| Average total loans | $173,811,750 | 2,307 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 1,729 |
| Cost of funding earning assets | 0.3616% | 4,302 |
| Net interest margin | 4.1715% | 1,311 |
| Noninterest income to average assets | 0.5026% | 3,468 |
| Noninterest expense to average assets | 2.8407% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4327% | 995 |
| Return on assets (ROA) | 1.4451% | 1,013 |
| Pretax return on assets | 1.4451% | 1,731 |
| Return on Equity (ROE) | 15.5936% | 698 |
| Retained earnings to average equity (ytd only) | 6.5099% | 2,030 |
| Net charge-offs to loans | 0.0082% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 270 |
| Efficiency ratio | 66.4735% | 4,287 |
| Assets per employee ($millions) | 4.7042% | 2,603 |
| Cash dividends to net income (ytd only)* | 58.2524% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0792% | 1,224 |
| Loan loss allowance to noncurrent loans | 270.8804% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 1.2618% | 2,588 |
| Noncurrent loans to loans | 0.7676% | 3,788 |
| Net loans and leases to total assets | 68.0032% | 2,415 |
| Net loans and leases to deposits | 77.2924% | 2,892 |
| Net loans and leases to core deposits | 83.1447% | 2,834 |
| Total domestic deposits to total assets | 87.9818% | 1,906 |
| Equity capital to assets | 9.2254% | 5,075 |
| Core capital (leverage) ratio | 9.4922% | 4,342 |
| Tier 1 risk-based capital ratio | 10.4442% | 6,268 |
| Total risk-based capital ratio | 11.6989% | 6,216 |
| Memoranda: | ||
| Average total assets | $242,336,670 | 2,616 |
| Average earning assets | $219,056,670 | 2,647 |
| Average equity | $22,458,000 | 2,898 |
| Average total loans | $171,393,330 | 2,325 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 1,570 |
| Cost of funding earning assets | 0.3710% | 4,304 |
| Net interest margin | 4.2038% | 1,209 |
| Noninterest income to average assets | 0.5108% | 3,325 |
| Noninterest expense to average assets | 2.8052% | 3,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5006% | 818 |
| Return on assets (ROA) | 1.5123% | 830 |
| Pretax return on assets | 1.5123% | 1,399 |
| Return on Equity (ROE) | 16.2802% | 615 |
| Retained earnings to average equity (ytd only) | 16.2802% | 262 |
| Net charge-offs to loans | 0.1314% | 1,926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,523 |
| Efficiency ratio | 65.1497% | 4,665 |
| Assets per employee ($millions) | 4.5351% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0520% | 1,413 |
| Loan loss allowance to noncurrent loans | 318.4753% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 1.7740% | 1,983 |
| Noncurrent loans to loans | 0.6443% | 4,248 |
| Net loans and leases to total assets | 70.5186% | 1,795 |
| Net loans and leases to deposits | 80.0541% | 2,285 |
| Net loans and leases to core deposits | 86.2119% | 2,301 |
| Total domestic deposits to total assets | 88.0886% | 2,182 |
| Equity capital to assets | 9.4883% | 4,516 |
| Core capital (leverage) ratio | 9.7375% | 3,941 |
| Tier 1 risk-based capital ratio | 11.1698% | 6,087 |
| Total risk-based capital ratio | 12.4251% | 6,032 |
| Memoranda: | ||
| Average total assets | $238,844,000 | 2,654 |
| Average earning assets | $215,614,500 | 2,689 |
| Average equity | $22,186,500 | 2,927 |
| Average total loans | $170,516,500 | 2,342 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3740% | 2,674 |
| Cost of funding earning assets | 0.4638% | 3,979 |
| Net interest margin | 3.9102% | 2,254 |
| Noninterest income to average assets | 0.5758% | 3,243 |
| Noninterest expense to average assets | 3.1042% | 2,719 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9876% | 2,381 |
| Return on assets (ROA) | 1.0066% | 2,356 |
| Pretax return on assets | 1.0066% | 3,324 |
| Return on Equity (ROE) | 11.0910% | 1,738 |
| Retained earnings to average equity (ytd only) | 11.0910% | 406 |
| Net charge-offs to loans | 0.2574% | 2,425 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.7944% | 3,214 |
| Efficiency ratio | 75.8643% | 2,793 |
| Assets per employee ($millions) | 4.4779% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1472% | 1,255 |
| Loan loss allowance to noncurrent loans | 267.9792% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 2.0048% | 1,792 |
| Noncurrent loans to loans | 0.8013% | 3,975 |
| Net loans and leases to total assets | 69.2614% | 2,132 |
| Net loans and leases to deposits | 78.3207% | 2,686 |
| Net loans and leases to core deposits | 84.2394% | 2,652 |
| Total domestic deposits to total assets | 88.4330% | 1,932 |
| Equity capital to assets | 9.0873% | 4,936 |
| Core capital (leverage) ratio | 9.6696% | 4,026 |
| Tier 1 risk-based capital ratio | 11.0653% | 6,141 |
| Total risk-based capital ratio | 12.2836% | 6,100 |
| Memoranda: | ||
| Average total assets | $231,169,400 | 2,710 |
| Average earning assets | $207,865,400 | 2,747 |
| Average equity | $20,981,000 | 3,043 |
| Average total loans | $153,042,800 | 2,519 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3442% | 2,816 |
| Cost of funding earning assets | 0.4897% | 3,870 |
| Net interest margin | 3.8545% | 2,447 |
| Noninterest income to average assets | 0.6474% | 2,896 |
| Noninterest expense to average assets | 3.0617% | 2,785 |
| Loan and lease loss provision to assets | 0.0668% | 3,719 |
| Net operating income to assets | 0.9784% | 2,473 |
| Return on assets (ROA) | 1.0039% | 2,446 |
| Pretax return on assets | 1.0039% | 3,487 |
| Return on Equity (ROE) | 11.0647% | 1,794 |
| Retained earnings to average equity (ytd only) | 11.0647% | 565 |
| Net charge-offs to loans | 0.3509% | 1,792 |
| Credit loss provision to net charge-offs | 29.2621% | 3,909 |
| Earnings coverage of net charge-offs (x) | 4.5801% | 3,405 |
| Efficiency ratio | 74.5511% | 2,977 |
| Assets per employee ($millions) | 4.4252% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4497% | 989 |
| Loan loss allowance to noncurrent loans | 291.3146% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 2.2785% | 1,733 |
| Noncurrent loans to loans | 0.8409% | 4,150 |
| Net loans and leases to total assets | 64.4267% | 2,931 |
| Net loans and leases to deposits | 71.1981% | 3,611 |
| Net loans and leases to core deposits | 76.1259% | 3,600 |
| Total domestic deposits to total assets | 90.4894% | 747 |
| Equity capital to assets | 9.1182% | 5,030 |
| Core capital (leverage) ratio | 9.4808% | 4,437 |
| Tier 1 risk-based capital ratio | 11.3199% | 6,142 |
| Total risk-based capital ratio | 12.5411% | 6,114 |
| Memoranda: | ||
| Average total assets | $229,629,250 | 2,738 |
| Average earning assets | $206,093,500 | 2,789 |
| Average equity | $20,834,500 | 3,091 |
| Average total loans | $149,307,250 | 2,575 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 2,852 |
| Cost of funding earning assets | 0.5117% | 3,792 |
| Net interest margin | 3.8137% | 2,500 |
| Noninterest income to average assets | 0.6746% | 2,769 |
| Noninterest expense to average assets | 3.0549% | 2,818 |
| Loan and lease loss provision to assets | 0.1002% | 3,119 |
| Net operating income to assets | 0.9361% | 2,638 |
| Return on assets (ROA) | 0.9744% | 2,591 |
| Pretax return on assets | 0.9744% | 3,619 |
| Return on Equity (ROE) | 10.7576% | 1,898 |
| Retained earnings to average equity (ytd only) | 10.7576% | 689 |
| Net charge-offs to loans | 0.2102% | 2,501 |
| Credit loss provision to net charge-offs | 73.7179% | 2,750 |
| Earnings coverage of net charge-offs (x) | 7.6218% | 2,523 |
| Efficiency ratio | 74.6698% | 2,996 |
| Assets per employee ($millions) | 4.4499% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6757% | 807 |
| Loan loss allowance to noncurrent loans | 200.9132% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 2.2693% | 1,910 |
| Noncurrent loans to loans | 1.3318% | 3,330 |
| Net loans and leases to total assets | 62.2467% | 3,246 |
| Net loans and leases to deposits | 69.5508% | 3,781 |
| Net loans and leases to core deposits | 74.6522% | 3,705 |
| Total domestic deposits to total assets | 89.4981% | 1,326 |
| Equity capital to assets | 8.8601% | 5,380 |
| Core capital (leverage) ratio | 9.2923% | 4,554 |
| Tier 1 risk-based capital ratio | 10.9487% | 6,359 |
| Total risk-based capital ratio | 12.1661% | 6,342 |
| Memoranda: | ||
| Average total assets | $229,468,670 | 2,748 |
| Average earning assets | $205,575,000 | 2,804 |
| Average equity | $20,785,330 | 3,120 |
| Average total loans | $148,417,670 | 2,593 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3293% | 2,766 |
| Cost of funding earning assets | 0.5298% | 3,777 |
| Net interest margin | 3.7994% | 2,455 |
| Noninterest income to average assets | 0.6039% | 3,115 |
| Noninterest expense to average assets | 2.9426% | 3,187 |
| Loan and lease loss provision to assets | 0.2013% | 1,845 |
| Net operating income to assets | 0.8367% | 2,964 |
| Return on assets (ROA) | 0.8402% | 3,091 |
| Pretax return on assets | 0.8402% | 4,000 |
| Return on Equity (ROE) | 9.1748% | 2,402 |
| Retained earnings to average equity (ytd only) | 9.1748% | 1,325 |
| Net charge-offs to loans | 0.0592% | 3,226 |
| Credit loss provision to net charge-offs | 522.7273% | 510 |
| Earnings coverage of net charge-offs (x) | 26.9545% | 1,016 |
| Efficiency ratio | 73.9226% | 3,275 |
| Assets per employee ($millions) | 4.4027% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7656% | 852 |
| Loan loss allowance to noncurrent loans | 99.7563% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 3.6809% | 1,131 |
| Noncurrent loans to loans | 2.7723% | 1,830 |
| Net loans and leases to total assets | 64.1055% | 2,684 |
| Net loans and leases to deposits | 72.0817% | 3,173 |
| Net loans and leases to core deposits | 77.6191% | 3,123 |
| Total domestic deposits to total assets | 88.9345% | 1,716 |
| Equity capital to assets | 9.4123% | 4,984 |
| Core capital (leverage) ratio | 9.1022% | 4,714 |
| Tier 1 risk-based capital ratio | 10.9038% | 6,446 |
| Total risk-based capital ratio | 12.1047% | 6,435 |
| Memoranda: | ||
| Average total assets | $228,504,500 | 2,793 |
| Average earning assets | $203,082,500 | 2,863 |
| Average equity | $20,927,000 | 3,142 |
| Average total loans | $148,628,000 | 2,601 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 2,277 |
| Cost of funding earning assets | 0.6588% | 3,844 |
| Net interest margin | 4.1197% | 1,922 |
| Noninterest income to average assets | 0.6037% | 3,258 |
| Noninterest expense to average assets | 3.1516% | 2,760 |
| Loan and lease loss provision to assets | 0.3486% | 1,915 |
| Net operating income to assets | 0.8042% | 3,270 |
| Return on assets (ROA) | 0.8501% | 3,293 |
| Pretax return on assets | 0.8501% | 4,106 |
| Return on Equity (ROE) | 9.5312% | 2,395 |
| Retained earnings to average equity (ytd only) | 9.5312% | 691 |
| Net charge-offs to loans | 0.7599% | 1,540 |
| Credit loss provision to net charge-offs | 67.0194% | 4,253 |
| Earnings coverage of net charge-offs (x) | 2.2160% | 4,317 |
| Efficiency ratio | 73.2175% | 3,205 |
| Assets per employee ($millions) | 4.6495% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6812% | 945 |
| Loan loss allowance to noncurrent loans | 116.9883% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 3.4339% | 1,327 |
| Noncurrent loans to loans | 2.2919% | 2,358 |
| Net loans and leases to total assets | 62.4679% | 3,170 |
| Net loans and leases to deposits | 70.5121% | 3,634 |
| Net loans and leases to core deposits | 76.0973% | 3,520 |
| Total domestic deposits to total assets | 88.5918% | 1,843 |
| Equity capital to assets | 8.9129% | 5,616 |
| Core capital (leverage) ratio | 8.8072% | 5,169 |
| Tier 1 risk-based capital ratio | 10.9225% | 6,376 |
| Total risk-based capital ratio | 12.1871% | 6,338 |
| Memoranda: | ||
| Average total assets | $217,985,000 | 2,861 |
| Average earning assets | $195,814,000 | 2,884 |
| Average equity | $19,441,400 | 3,267 |
| Average total loans | $149,223,000 | 2,584 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 2,046 |
| Cost of funding earning assets | 0.6877% | 3,882 |
| Net interest margin | 4.2034% | 1,728 |
| Noninterest income to average assets | 0.5536% | 3,586 |
| Noninterest expense to average assets | 3.1186% | 2,832 |
| Loan and lease loss provision to assets | 0.4727% | 1,313 |
| Net operating income to assets | 0.7526% | 3,683 |
| Return on assets (ROA) | 0.8148% | 3,618 |
| Pretax return on assets | 0.8148% | 4,434 |
| Return on Equity (ROE) | 9.1342% | 2,733 |
| Retained earnings to average equity (ytd only) | 9.1342% | 1,171 |
| Net charge-offs to loans | 0.7094% | 1,561 |
| Credit loss provision to net charge-offs | 95.7179% | 3,120 |
| Earnings coverage of net charge-offs (x) | 2.4811% | 4,048 |
| Efficiency ratio | 71.7927% | 3,366 |
| Assets per employee ($millions) | 4.6904% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9306% | 777 |
| Loan loss allowance to noncurrent loans | 247.2096% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 2.8523% | 1,843 |
| Noncurrent loans to loans | 1.1855% | 4,081 |
| Net loans and leases to total assets | 65.2243% | 2,797 |
| Net loans and leases to deposits | 73.9969% | 3,285 |
| Net loans and leases to core deposits | 80.8192% | 3,104 |
| Total domestic deposits to total assets | 88.1447% | 1,959 |
| Equity capital to assets | 9.2030% | 5,591 |
| Core capital (leverage) ratio | 8.8496% | 5,268 |
| Tier 1 risk-based capital ratio | 10.8311% | 6,549 |
| Total risk-based capital ratio | 12.0408% | 6,542 |
| Memoranda: | ||
| Average total assets | $214,363,000 | 2,923 |
| Average earning assets | $193,300,250 | 2,950 |
| Average equity | $19,121,750 | 3,337 |
| Average total loans | $149,223,250 | 2,615 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9489% | 1,929 |
| Cost of funding earning assets | 0.7137% | 3,910 |
| Net interest margin | 4.2352% | 1,653 |
| Noninterest income to average assets | 0.5425% | 3,639 |
| Noninterest expense to average assets | 3.0311% | 3,149 |
| Loan and lease loss provision to assets | 0.7159% | 747 |
| Net operating income to assets | 0.5962% | 4,381 |
| Return on assets (ROA) | 0.6904% | 4,181 |
| Pretax return on assets | 0.6904% | 4,856 |
| Return on Equity (ROE) | 7.8258% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.8258% | 1,708 |
| Net charge-offs to loans | 1.0308% | 1,066 |
| Credit loss provision to net charge-offs | 98.5733% | 2,813 |
| Earnings coverage of net charge-offs (x) | 1.8067% | 4,073 |
| Efficiency ratio | 69.7896% | 3,801 |
| Assets per employee ($millions) | 4.5569% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8653% | 892 |
| Loan loss allowance to noncurrent loans | 188.3470% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 3.2021% | 1,702 |
| Noncurrent loans to loans | 1.5213% | 3,625 |
| Net loans and leases to total assets | 67.6376% | 2,336 |
| Net loans and leases to deposits | 76.3809% | 2,932 |
| Net loans and leases to core deposits | 84.8540% | 2,581 |
| Total domestic deposits to total assets | 88.5530% | 1,786 |
| Equity capital to assets | 8.8255% | 5,883 |
| Core capital (leverage) ratio | 8.8697% | 5,093 |
| Tier 1 risk-based capital ratio | 10.2348% | 6,769 |
| Total risk-based capital ratio | 11.4367% | 6,760 |
| Memoranda: | ||
| Average total assets | $212,334,000 | 2,948 |
| Average earning assets | $190,546,670 | 2,988 |
| Average equity | $18,733,000 | 3,395 |
| Average total loans | $149,588,330 | 2,624 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 2,022 |
| Cost of funding earning assets | 0.7416% | 3,933 |
| Net interest margin | 4.2224% | 1,696 |
| Noninterest income to average assets | 0.5508% | 3,561 |
| Noninterest expense to average assets | 2.9091% | 3,592 |
| Loan and lease loss provision to assets | 1.1667% | 335 |
| Net operating income to assets | 0.2754% | 5,732 |
| Return on assets (ROA) | 0.4667% | 5,167 |
| Pretax return on assets | 0.4667% | 5,533 |
| Return on Equity (ROE) | 5.2907% | 4,650 |
| Retained earnings to average equity (ytd only) | 5.2907% | 3,382 |
| Net charge-offs to loans | 1.5112% | 663 |
| Credit loss provision to net charge-offs | 108.9286% | 2,147 |
| Earnings coverage of net charge-offs (x) | 1.3464% | 3,658 |
| Efficiency ratio | 66.8571% | 4,386 |
| Assets per employee ($millions) | 4.4346% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0001% | 829 |
| Loan loss allowance to noncurrent loans | 141.1934% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 3.6202% | 1,570 |
| Noncurrent loans to loans | 2.1248% | 2,995 |
| Net loans and leases to total assets | 67.2138% | 2,249 |
| Net loans and leases to deposits | 75.8323% | 2,822 |
| Net loans and leases to core deposits | 85.0475% | 2,399 |
| Total domestic deposits to total assets | 88.6348% | 1,933 |
| Equity capital to assets | 8.6869% | 5,888 |
| Core capital (leverage) ratio | 8.9492% | 4,919 |
| Tier 1 risk-based capital ratio | 10.3480% | 6,776 |
| Total risk-based capital ratio | 11.5597% | 6,793 |
| Memoranda: | ||
| Average total assets | $209,136,500 | 2,998 |
| Average earning assets | $188,233,000 | 3,033 |
| Average equity | $18,447,500 | 3,434 |
| Average total loans | $148,229,000 | 2,658 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3123% | 1,663 |
| Cost of funding earning assets | 0.9779% | 3,522 |
| Net interest margin | 4.3344% | 1,592 |
| Noninterest income to average assets | 0.4968% | 3,866 |
| Noninterest expense to average assets | 3.2818% | 2,585 |
| Loan and lease loss provision to assets | 0.7567% | 1,327 |
| Net operating income to assets | 0.3615% | 5,026 |
| Return on assets (ROA) | 0.4159% | 4,973 |
| Pretax return on assets | 0.4159% | 5,239 |
| Return on Equity (ROE) | 4.5218% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.5218% | 2,954 |
| Net charge-offs to loans | 0.9412% | 1,846 |
| Credit loss provision to net charge-offs | 108.9619% | 3,084 |
| Earnings coverage of net charge-offs (x) | 1.6102% | 4,566 |
| Efficiency ratio | 74.5875% | 3,130 |
| Assets per employee ($millions) | 4.0277% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9370% | 867 |
| Loan loss allowance to noncurrent loans | 109.5393% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 3.2204% | 1,855 |
| Noncurrent loans to loans | 2.6812% | 2,425 |
| Net loans and leases to total assets | 70.3883% | 1,953 |
| Net loans and leases to deposits | 79.7513% | 2,568 |
| Net loans and leases to core deposits | 90.6825% | 2,024 |
| Total domestic deposits to total assets | 88.2597% | 1,994 |
| Equity capital to assets | 8.9596% | 5,591 |
| Core capital (leverage) ratio | 9.0960% | 4,626 |
| Tier 1 risk-based capital ratio | 10.3476% | 6,754 |
| Total risk-based capital ratio | 11.5724% | 6,735 |
| Memoranda: | ||
| Average total assets | $192,822,200 | 3,146 |
| Average earning assets | $173,633,800 | 3,179 |
| Average equity | $17,736,200 | 3,463 |
| Average total loans | $142,272,400 | 2,749 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3460% | 1,694 |
| Cost of funding earning assets | 1.0304% | 3,464 |
| Net interest margin | 4.3156% | 1,660 |
| Noninterest income to average assets | 0.4372% | 4,381 |
| Noninterest expense to average assets | 3.2666% | 2,612 |
| Loan and lease loss provision to assets | 0.6952% | 1,393 |
| Net operating income to assets | 0.3648% | 5,140 |
| Return on assets (ROA) | 0.3866% | 5,242 |
| Pretax return on assets | 0.3866% | 5,511 |
| Return on Equity (ROE) | 4.1739% | 4,927 |
| Retained earnings to average equity (ytd only) | 4.1739% | 3,760 |
| Net charge-offs to loans | 0.9426% | 1,710 |
| Credit loss provision to net charge-offs | 99.4970% | 3,437 |
| Earnings coverage of net charge-offs (x) | 1.5171% | 4,499 |
| Efficiency ratio | 75.4996% | 2,919 |
| Assets per employee ($millions) | 4.1235% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0303% | 843 |
| Loan loss allowance to noncurrent loans | 78.3410% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 3.5462% | 1,775 |
| Noncurrent loans to loans | 3.8681% | 1,726 |
| Net loans and leases to total assets | 68.7102% | 2,331 |
| Net loans and leases to deposits | 78.2515% | 2,930 |
| Net loans and leases to core deposits | 89.3389% | 2,323 |
| Total domestic deposits to total assets | 87.8068% | 2,164 |
| Equity capital to assets | 9.2800% | 5,408 |
| Core capital (leverage) ratio | 9.2676% | 4,511 |
| Tier 1 risk-based capital ratio | 10.7370% | 6,693 |
| Total risk-based capital ratio | 11.9469% | 6,689 |
| Memoranda: | ||
| Average total assets | $189,674,750 | 3,204 |
| Average earning assets | $170,939,750 | 3,236 |
| Average equity | $17,569,250 | 3,495 |
| Average total loans | $140,600,250 | 2,800 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3980% | 1,569 |
| Cost of funding earning assets | 1.0970% | 3,264 |
| Net interest margin | 4.3010% | 1,646 |
| Noninterest income to average assets | 0.3531% | 5,066 |
| Noninterest expense to average assets | 3.2634% | 2,687 |
| Loan and lease loss provision to assets | 0.7854% | 1,177 |
| Net operating income to assets | 0.1680% | 5,837 |
| Return on assets (ROA) | 0.1680% | 5,935 |
| Pretax return on assets | 0.1680% | 5,985 |
| Return on Equity (ROE) | 1.8147% | 5,864 |
| Retained earnings to average equity (ytd only) | 1.8147% | 5,089 |
| Net charge-offs to loans | 0.2928% | 3,412 |
| Credit loss provision to net charge-offs | 356.3107% | 861 |
| Earnings coverage of net charge-offs (x) | 4.3252% | 2,889 |
| Efficiency ratio | 77.3915% | 2,798 |
| Assets per employee ($millions) | 3.8457% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4359% | 627 |
| Loan loss allowance to noncurrent loans | 81.9709% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 4.1101% | 1,556 |
| Noncurrent loans to loans | 4.1916% | 1,625 |
| Net loans and leases to total assets | 71.3350% | 1,927 |
| Net loans and leases to deposits | 81.3699% | 2,546 |
| Net loans and leases to core deposits | 93.7301% | 1,929 |
| Total domestic deposits to total assets | 87.6676% | 2,358 |
| Equity capital to assets | 9.3696% | 5,039 |
| Core capital (leverage) ratio | 9.3802% | 4,141 |
| Tier 1 risk-based capital ratio | 10.6680% | 6,726 |
| Total risk-based capital ratio | 11.8838% | 6,731 |
| Memoranda: | ||
| Average total assets | $186,923,000 | 3,270 |
| Average earning assets | $167,913,000 | 3,311 |
| Average equity | $17,303,000 | 3,526 |
| Average total loans | $140,717,670 | 2,834 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3754% | 1,659 |
| Cost of funding earning assets | 1.1608% | 3,082 |
| Net interest margin | 4.2146% | 1,858 |
| Noninterest income to average assets | 0.6446% | 2,878 |
| Noninterest expense to average assets | 3.3734% | 2,354 |
| Loan and lease loss provision to assets | 0.6876% | 1,233 |
| Net operating income to assets | 0.3674% | 5,089 |
| Return on assets (ROA) | 0.3674% | 5,172 |
| Pretax return on assets | 0.3674% | 5,445 |
| Return on Equity (ROE) | 3.9938% | 4,912 |
| Retained earnings to average equity (ytd only) | 3.9938% | 3,782 |
| Net charge-offs to loans | -0.1838% | 7,245 |
| Credit loss provision to net charge-offs | -492.3077% | 5,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1766% | 3,132 |
| Assets per employee ($millions) | 3.7958% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2732% | 727 |
| Loan loss allowance to noncurrent loans | 82.2841% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 4.2689% | 1,532 |
| Noncurrent loans to loans | 3.9780% | 1,830 |
| Net loans and leases to total assets | 73.7203% | 1,388 |
| Net loans and leases to deposits | 84.0707% | 2,017 |
| Net loans and leases to core deposits | 97.7557% | 1,548 |
| Total domestic deposits to total assets | 87.6884% | 2,562 |
| Equity capital to assets | 9.2545% | 4,805 |
| Core capital (leverage) ratio | 9.3935% | 3,972 |
| Tier 1 risk-based capital ratio | 10.5302% | 6,788 |
| Total risk-based capital ratio | 11.7429% | 6,793 |
| Memoranda: | ||
| Average total assets | $186,165,000 | 3,294 |
| Average earning assets | $167,132,500 | 3,342 |
| Average equity | $17,126,500 | 3,546 |
| Average total loans | $141,473,500 | 2,859 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6956% | 1,583 |
| Cost of funding earning assets | 1.5415% | 2,399 |
| Net interest margin | 4.1541% | 2,350 |
| Noninterest income to average assets | 0.6301% | 3,283 |
| Noninterest expense to average assets | 3.1213% | 3,379 |
| Loan and lease loss provision to assets | 1.1075% | 1,439 |
| Net operating income to assets | 0.1454% | 5,456 |
| Return on assets (ROA) | 0.2379% | 5,300 |
| Pretax return on assets | 0.2379% | 5,387 |
| Return on Equity (ROE) | 2.4787% | 5,194 |
| Retained earnings to average equity (ytd only) | 2.4787% | 4,141 |
| Net charge-offs to loans | 1.7905% | 1,179 |
| Credit loss provision to net charge-offs | 80.5511% | 5,547 |
| Earnings coverage of net charge-offs (x) | 0.9113% | 5,200 |
| Efficiency ratio | 71.3576% | 3,923 |
| Assets per employee ($millions) | 3.8028% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0136% | 860 |
| Loan loss allowance to noncurrent loans | 121.8499% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 3.1540% | 2,240 |
| Noncurrent loans to loans | 2.4732% | 3,050 |
| Net loans and leases to total assets | 73.4891% | 1,771 |
| Net loans and leases to deposits | 85.5278% | 2,177 |
| Net loans and leases to core deposits | 100.9146% | 1,542 |
| Total domestic deposits to total assets | 85.9243% | 3,402 |
| Equity capital to assets | 9.1448% | 4,927 |
| Core capital (leverage) ratio | 9.2725% | 4,067 |
| Tier 1 risk-based capital ratio | 10.4665% | 6,721 |
| Total risk-based capital ratio | 11.6488% | 6,747 |
| Memoranda: | ||
| Average total assets | $179,507,400 | 3,385 |
| Average earning assets | $161,790,200 | 3,413 |
| Average equity | $17,227,000 | 3,547 |
| Average total loans | $137,841,800 | 2,992 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6655% | 1,825 |
| Cost of funding earning assets | 1.5973% | 2,402 |
| Net interest margin | 4.0681% | 2,770 |
| Noninterest income to average assets | 0.4987% | 4,201 |
| Noninterest expense to average assets | 2.9156% | 4,023 |
| Loan and lease loss provision to assets | 1.0573% | 1,392 |
| Net operating income to assets | 0.1965% | 5,516 |
| Return on assets (ROA) | 0.3209% | 5,248 |
| Pretax return on assets | 0.3209% | 5,447 |
| Return on Equity (ROE) | 3.3036% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.3036% | 4,123 |
| Net charge-offs to loans | 1.3303% | 1,531 |
| Credit loss provision to net charge-offs | 103.1456% | 4,163 |
| Earnings coverage of net charge-offs (x) | 1.2231% | 4,841 |
| Efficiency ratio | 69.9281% | 4,081 |
| Assets per employee ($millions) | 3.8711% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3671% | 594 |
| Loan loss allowance to noncurrent loans | 117.3667% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 3.1543% | 2,282 |
| Noncurrent loans to loans | 2.8689% | 2,784 |
| Net loans and leases to total assets | 75.3655% | 1,518 |
| Net loans and leases to deposits | 88.3456% | 1,962 |
| Net loans and leases to core deposits | 106.4157% | 1,293 |
| Total domestic deposits to total assets | 85.3076% | 3,461 |
| Equity capital to assets | 9.5562% | 4,762 |
| Core capital (leverage) ratio | 9.5735% | 3,802 |
| Tier 1 risk-based capital ratio | 10.5118% | 6,767 |
| Total risk-based capital ratio | 11.6941% | 6,807 |
| Memoranda: | ||
| Average total assets | $177,800,500 | 3,455 |
| Average earning assets | $160,430,500 | 3,488 |
| Average equity | $17,273,750 | 3,595 |
| Average total loans | $137,004,500 | 3,038 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6893% | 1,808 |
| Cost of funding earning assets | 1.6415% | 2,426 |
| Net interest margin | 4.0477% | 2,800 |
| Noninterest income to average assets | 0.4920% | 4,180 |
| Noninterest expense to average assets | 2.8568% | 4,238 |
| Loan and lease loss provision to assets | 0.9523% | 1,540 |
| Net operating income to assets | 0.3254% | 5,090 |
| Return on assets (ROA) | 0.3537% | 5,121 |
| Pretax return on assets | 0.3537% | 5,363 |
| Return on Equity (ROE) | 3.6203% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.6203% | 3,793 |
| Net charge-offs to loans | 0.6146% | 2,690 |
| Credit loss provision to net charge-offs | 201.9231% | 1,934 |
| Earnings coverage of net charge-offs (x) | 2.7091% | 3,642 |
| Efficiency ratio | 69.0979% | 4,358 |
| Assets per employee ($millions) | 4.9280% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8099% | 433 |
| Loan loss allowance to noncurrent loans | 155.6259% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 2.6550% | 2,719 |
| Noncurrent loans to loans | 2.4481% | 3,198 |
| Net loans and leases to total assets | 71.4348% | 2,558 |
| Net loans and leases to deposits | 83.6993% | 2,931 |
| Net loans and leases to core deposits | 101.2933% | 1,893 |
| Total domestic deposits to total assets | 85.3469% | 3,444 |
| Equity capital to assets | 9.6245% | 4,509 |
| Core capital (leverage) ratio | 9.6508% | 3,605 |
| Tier 1 risk-based capital ratio | 10.8144% | 6,440 |
| Total risk-based capital ratio | 12.0354% | 6,444 |
| Memoranda: | ||
| Average total assets | $176,419,330 | 3,497 |
| Average earning assets | $158,755,000 | 3,537 |
| Average equity | $17,236,000 | 3,598 |
| Average total loans | $135,372,330 | 3,094 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7185% | 1,711 |
| Cost of funding earning assets | 1.6763% | 2,501 |
| Net interest margin | 4.0421% | 2,688 |
| Noninterest income to average assets | 0.4912% | 4,117 |
| Noninterest expense to average assets | 2.8318% | 4,363 |
| Loan and lease loss provision to assets | 0.9685% | 1,296 |
| Net operating income to assets | 0.3275% | 5,177 |
| Return on assets (ROA) | 0.3851% | 5,041 |
| Pretax return on assets | 0.3851% | 5,343 |
| Return on Equity (ROE) | 3.9111% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.9111% | 3,792 |
| Net charge-offs to loans | 0.5142% | 2,524 |
| Credit loss provision to net charge-offs | 241.3793% | 1,592 |
| Earnings coverage of net charge-offs (x) | 3.2299% | 2,974 |
| Efficiency ratio | 68.6034% | 4,603 |
| Assets per employee ($millions) | 4.7308% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6831% | 475 |
| Loan loss allowance to noncurrent loans | 135.6851% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 2.6839% | 2,717 |
| Noncurrent loans to loans | 2.7145% | 2,948 |
| Net loans and leases to total assets | 74.4157% | 1,882 |
| Net loans and leases to deposits | 88.7715% | 2,083 |
| Net loans and leases to core deposits | 108.5239% | 1,379 |
| Total domestic deposits to total assets | 83.8284% | 4,235 |
| Equity capital to assets | 9.8108% | 4,093 |
| Core capital (leverage) ratio | 9.8673% | 3,317 |
| Tier 1 risk-based capital ratio | 10.8228% | 6,323 |
| Total risk-based capital ratio | 12.0187% | 6,358 |
| Memoranda: | ||
| Average total assets | $173,460,500 | 3,604 |
| Average earning assets | $156,056,000 | 3,646 |
| Average equity | $17,079,500 | 3,637 |
| Average total loans | $135,353,000 | 3,158 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8012% | 2,647 |
| Cost of funding earning assets | 2.2085% | 1,989 |
| Net interest margin | 3.5927% | 4,575 |
| Noninterest income to average assets | 0.5235% | 4,230 |
| Noninterest expense to average assets | 3.0270% | 4,040 |
| Loan and lease loss provision to assets | 2.7306% | 684 |
| Net operating income to assets | -1.9897% | 7,088 |
| Return on assets (ROA) | -1.9364% | 7,066 |
| Pretax return on assets | -1.9364% | 6,915 |
| Return on Equity (ROE) | -21.2516% | 7,181 |
| Retained earnings to average equity (ytd only) | -21.2516% | 7,152 |
| Net charge-offs to loans | 1.4380% | 1,744 |
| Credit loss provision to net charge-offs | 233.9148% | 1,553 |
| Earnings coverage of net charge-offs (x) | 0.6347% | 5,460 |
| Efficiency ratio | 80.3370% | 2,836 |
| Assets per employee ($millions) | 4.6454% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4953% | 533 |
| Loan loss allowance to noncurrent loans | 123.1469% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 2.8985% | 2,422 |
| Noncurrent loans to loans | 2.8383% | 2,714 |
| Net loans and leases to total assets | 76.0600% | 1,781 |
| Net loans and leases to deposits | 89.6874% | 2,266 |
| Net loans and leases to core deposits | 130.5479% | 1,251 |
| Total domestic deposits to total assets | 84.8057% | 3,647 |
| Equity capital to assets | 9.8825% | 3,908 |
| Core capital (leverage) ratio | 9.8179% | 3,305 |
| Tier 1 risk-based capital ratio | 10.7025% | 6,202 |
| Total risk-based capital ratio | 11.9079% | 6,218 |
| Memoranda: | ||
| Average total assets | $166,961,800 | 3,657 |
| Average earning assets | $150,778,600 | 3,700 |
| Average equity | $15,213,000 | 4,027 |
| Average total loans | $135,531,200 | 3,162 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7814% | 2,971 |
| Cost of funding earning assets | 2.3323% | 1,871 |
| Net interest margin | 3.4491% | 5,075 |
| Noninterest income to average assets | 0.6042% | 3,667 |
| Noninterest expense to average assets | 3.1158% | 3,598 |
| Loan and lease loss provision to assets | 3.4062% | 397 |
| Net operating income to assets | -2.7972% | 7,541 |
| Return on assets (ROA) | -2.7972% | 7,545 |
| Pretax return on assets | -2.7972% | 7,451 |
| Return on Equity (ROE) | -31.3877% | 7,639 |
| Retained earnings to average equity (ytd only) | -31.3877% | 7,621 |
| Net charge-offs to loans | 1.1538% | 1,753 |
| Credit loss provision to net charge-offs | 360.9548% | 1,130 |
| Earnings coverage of net charge-offs (x) | 0.6454% | 5,382 |
| Efficiency ratio | 83.6501% | 2,332 |
| Assets per employee ($millions) | 4.7489% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8164% | 333 |
| Loan loss allowance to noncurrent loans | 229.5706% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 1.9689% | 3,394 |
| Noncurrent loans to loans | 1.6624% | 4,149 |
| Net loans and leases to total assets | 76.4508% | 1,906 |
| Net loans and leases to deposits | 90.2089% | 2,540 |
| Net loans and leases to core deposits | 127.5244% | 1,616 |
| Total domestic deposits to total assets | 84.7486% | 3,345 |
| Equity capital to assets | 9.8145% | 4,331 |
| Core capital (leverage) ratio | 9.9478% | 3,340 |
| Tier 1 risk-based capital ratio | 10.5704% | 6,389 |
| Total risk-based capital ratio | 11.7971% | 6,380 |
| Memoranda: | ||
| Average total assets | $165,732,250 | 3,698 |
| Average earning assets | $149,947,500 | 3,729 |
| Average equity | $14,769,750 | 4,139 |
| Average total loans | $135,547,250 | 3,200 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8039% | 3,023 |
| Cost of funding earning assets | 2.4425% | 1,808 |
| Net interest margin | 3.3614% | 5,314 |
| Noninterest income to average assets | 0.6293% | 3,472 |
| Noninterest expense to average assets | 3.0612% | 3,834 |
| Loan and lease loss provision to assets | 0.8232% | 2,037 |
| Net operating income to assets | -0.2122% | 6,212 |
| Return on assets (ROA) | -0.2122% | 6,228 |
| Pretax return on assets | -0.2122% | 6,139 |
| Return on Equity (ROE) | -2.4681% | 6,292 |
| Retained earnings to average equity (ytd only) | -2.4681% | 5,854 |
| Net charge-offs to loans | 1.0957% | 1,654 |
| Credit loss provision to net charge-offs | 90.9704% | 4,889 |
| Earnings coverage of net charge-offs (x) | 0.6752% | 5,031 |
| Efficiency ratio | 83.3610% | 2,562 |
| Assets per employee ($millions) | 4.5236% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5219% | 3,081 |
| Loan loss allowance to noncurrent loans | 246.1722% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 1.1149% | 4,724 |
| Noncurrent loans to loans | 0.6182% | 6,017 |
| Net loans and leases to total assets | 79.5642% | 1,386 |
| Net loans and leases to deposits | 92.4477% | 2,388 |
| Net loans and leases to core deposits | 129.0572% | 1,645 |
| Total domestic deposits to total assets | 86.0641% | 2,753 |
| Equity capital to assets | 8.3604% | 6,254 |
| Core capital (leverage) ratio | 8.4486% | 5,527 |
| Tier 1 risk-based capital ratio | 8.7812% | 7,788 |
| Total risk-based capital ratio | 10.0313% | 7,830 |
| Memoranda: | ||
| Average total assets | $163,989,330 | 3,740 |
| Average earning assets | $148,451,670 | 3,773 |
| Average equity | $14,100,000 | 4,287 |
| Average total loans | $135,434,000 | 3,238 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8285% | 3,151 |
| Cost of funding earning assets | 2.6496% | 1,413 |
| Net interest margin | 3.1790% | 5,929 |
| Noninterest income to average assets | 0.5595% | 3,844 |
| Noninterest expense to average assets | 2.8861% | 4,203 |
| Loan and lease loss provision to assets | 0.7468% | 1,727 |
| Net operating income to assets | -0.2021% | 6,557 |
| Return on assets (ROA) | -0.2021% | 6,643 |
| Pretax return on assets | -0.2021% | 6,576 |
| Return on Equity (ROE) | -2.3174% | 6,701 |
| Retained earnings to average equity (ytd only) | -2.3174% | 6,160 |
| Net charge-offs to loans | 2.1160% | 682 |
| Credit loss provision to net charge-offs | 42.2594% | 4,789 |
| Earnings coverage of net charge-offs (x) | 0.3082% | 4,732 |
| Efficiency ratio | 84.1236% | 2,291 |
| Assets per employee ($millions) | 4.3517% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 4,319 |
| Loan loss allowance to noncurrent loans | 160.5066% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.9273% | 4,874 |
| Noncurrent loans to loans | 0.7875% | 5,473 |
| Net loans and leases to total assets | 83.0112% | 844 |
| Net loans and leases to deposits | 95.6435% | 1,999 |
| Net loans and leases to core deposits | 132.8542% | 1,483 |
| Total domestic deposits to total assets | 86.7923% | 2,316 |
| Equity capital to assets | 8.7552% | 5,686 |
| Core capital (leverage) ratio | 8.6097% | 5,322 |
| Tier 1 risk-based capital ratio | 8.9220% | 7,834 |
| Total risk-based capital ratio | 10.0109% | 7,956 |
| Memoranda: | ||
| Average total assets | $162,297,500 | 3,789 |
| Average earning assets | $146,589,000 | 3,819 |
| Average equity | $14,153,500 | 4,303 |
| Average total loans | $135,537,500 | 3,260 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6881% | 2,071 |
| Cost of funding earning assets | 3.1908% | 1,218 |
| Net interest margin | 3.4973% | 5,303 |
| Noninterest income to average assets | 0.5872% | 3,949 |
| Noninterest expense to average assets | 3.2096% | 3,302 |
| Loan and lease loss provision to assets | 0.7213% | 2,047 |
| Net operating income to assets | -0.1998% | 6,622 |
| Return on assets (ROA) | -0.1998% | 6,470 |
| Pretax return on assets | -0.1998% | 6,368 |
| Return on Equity (ROE) | -2.1092% | 6,524 |
| Retained earnings to average equity (ytd only) | -2.1092% | 5,906 |
| Net charge-offs to loans | 0.1445% | 4,765 |
| Credit loss provision to net charge-offs | 601.1173% | 714 |
| Earnings coverage of net charge-offs (x) | 4.3464% | 4,009 |
| Efficiency ratio | 86.0223% | 1,851 |
| Assets per employee ($millions) | 4.1944% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 2,372 |
| Loan loss allowance to noncurrent loans | 121.0826% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.1584% | 3,951 |
| Noncurrent loans to loans | 1.2932% | 3,930 |
| Net loans and leases to total assets | 81.6595% | 1,291 |
| Net loans and leases to deposits | 92.6366% | 3,025 |
| Net loans and leases to core deposits | 130.9643% | 1,784 |
| Total domestic deposits to total assets | 88.1504% | 1,407 |
| Equity capital to assets | 8.6867% | 5,824 |
| Core capital (leverage) ratio | 8.6339% | 5,316 |
| Tier 1 risk-based capital ratio | 8.9738% | 7,798 |
| Total risk-based capital ratio | 10.2247% | 7,797 |
| Memoranda: | ||
| Average total assets | $149,177,400 | 3,914 |
| Average earning assets | $134,103,000 | 3,970 |
| Average equity | $14,128,400 | 4,314 |
| Average total loans | $123,867,200 | 3,384 |