Home > Marion Community Bank > Performance and Condition Ratios
Marion Community Bank, 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 | 4.8425% | 2,390 |
| Cost of funding earning assets | 1.8563% | 1,152 |
| Net interest margin | 2.9862% | 3,313 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.8307% | 1,426 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.4884% | 3,690 |
| Return on assets (ROA) | 0.4884% | 3,691 |
| Pretax return on assets | 0.4900% | 3,829 |
| Return on Equity (ROE) | 10.0900% | 2,475 |
| Retained earnings to average equity (ytd only) | 7.1831% | 1,837 |
| Net charge-offs to loans | 0.0172% | 2,027 |
| Credit loss provision to net charge-offs | -150.0000% | 4,492 |
| Earnings coverage of net charge-offs (x) | 49.7333% | 1,299 |
| Efficiency ratio | 85.6137% | 585 |
| Assets per employee ($millions) | 5.7251% | 3,048 |
| Cash dividends to net income (ytd only)* | 28.7859% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 798 |
| Loan loss allowance to noncurrent loans | 81.7302% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.1210% | 409 |
| Noncurrent loans to loans | 1.9869% | 287 |
| Net loans and leases to total assets | 54.2700% | 3,331 |
| Net loans and leases to deposits | 57.5308% | 3,645 |
| Net loans and leases to core deposits | 68.0900% | 3,404 |
| Total domestic deposits to total assets | 94.3300% | 89 |
| Equity capital to assets | 5.2754% | 4,372 |
| Core capital (leverage) ratio | 9.7689% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $313,663,800 | 2,351 |
| Average earning assets | $288,093,000 | 2,365 |
| Average equity | $15,188,400 | 3,248 |
| Average total loans | $174,603,200 | 2,493 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7306% | 2,406 |
| Cost of funding earning assets | 1.7597% | 1,080 |
| Net interest margin | 2.9709% | 3,397 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.8390% | 1,350 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5039% | 3,759 |
| Return on assets (ROA) | 0.5039% | 3,758 |
| Pretax return on assets | 0.5044% | 3,896 |
| Return on Equity (ROE) | 10.6500% | 2,466 |
| Retained earnings to average equity (ytd only) | 7.7700% | 2,048 |
| Net charge-offs to loans | 0.0107% | 2,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 84.2857% | 1,018 |
| Efficiency ratio | 84.9143% | 565 |
| Assets per employee ($millions) | 5.7976% | 2,932 |
| Cash dividends to net income (ytd only)* | 27.0568% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6255% | 847 |
| Loan loss allowance to noncurrent loans | 57.7249% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.6330% | 211 |
| Noncurrent loans to loans | 2.8160% | 153 |
| Net loans and leases to total assets | 55.6700% | 3,230 |
| Net loans and leases to deposits | 58.2307% | 3,596 |
| Net loans and leases to core deposits | 69.4015% | 3,238 |
| Total domestic deposits to total assets | 95.5900% | 94 |
| Equity capital to assets | 4.0060% | 4,403 |
| Core capital (leverage) ratio | 9.7272% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $311,929,000 | 2,366 |
| Average earning assets | $286,861,000 | 2,375 |
| Average equity | $14,757,250 | 3,286 |
| Average total loans | $174,039,250 | 2,496 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 2,391 |
| Cost of funding earning assets | 1.6328% | 993 |
| Net interest margin | 2.9810% | 3,481 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.8545% | 1,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3042% | 4,148 |
| Return on assets (ROA) | 0.3042% | 4,175 |
| Pretax return on assets | 0.3210% | 4,207 |
| Return on Equity (ROE) | 6.1100% | 3,665 |
| Retained earnings to average equity (ytd only) | 3.6320% | 3,309 |
| Net charge-offs to loans | 0.0186% | 1,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 31.0625% | 1,530 |
| Efficiency ratio | 89.8902% | 358 |
| Assets per employee ($millions) | 5.3746% | 3,256 |
| Cash dividends to net income (ytd only)* | 40.5520% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 854 |
| Loan loss allowance to noncurrent loans | 72.5068% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.3371% | 286 |
| Noncurrent loans to loans | 2.2632% | 220 |
| Net loans and leases to total assets | 55.3800% | 3,161 |
| Net loans and leases to deposits | 58.3791% | 3,521 |
| Net loans and leases to core deposits | 70.3847% | 3,103 |
| Total domestic deposits to total assets | 94.8700% | 103 |
| Equity capital to assets | 4.7915% | 4,409 |
| Core capital (leverage) ratio | 9.6229% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $309,615,667 | 2,384 |
| Average earning assets | $284,533,333 | 2,397 |
| Average equity | $15,418,333 | 3,234 |
| Average total loans | $171,908,000 | 2,508 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 2,359 |
| Cost of funding earning assets | 1.5151% | 821 |
| Net interest margin | 2.9677% | 3,664 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.9516% | 1,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2184% | 4,339 |
| Return on assets (ROA) | 0.2184% | 4,298 |
| Pretax return on assets | 0.2302% | 4,311 |
| Return on Equity (ROE) | 4.3000% | 3,991 |
| Retained earnings to average equity (ytd only) | 4.3012% | 3,181 |
| Net charge-offs to loans | 0.0047% | 1,793 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 850 |
| Efficiency ratio | 92.7661% | 286 |
| Assets per employee ($millions) | 5.5626% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 786 |
| Loan loss allowance to noncurrent loans | 69.4084% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.4744% | 228 |
| Noncurrent loans to loans | 2.4670% | 200 |
| Net loans and leases to total assets | 54.2700% | 3,180 |
| Net loans and leases to deposits | 57.2716% | 3,488 |
| Net loans and leases to core deposits | 68.2631% | 3,073 |
| Total domestic deposits to total assets | 94.7600% | 111 |
| Equity capital to assets | 5.0452% | 4,415 |
| Core capital (leverage) ratio | 10.2245% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $305,873,000 | 2,435 |
| Average earning assets | $281,433,500 | 2,448 |
| Average equity | $15,530,500 | 3,259 |
| Average total loans | $168,587,500 | 2,559 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 2,278 |
| Cost of funding earning assets | 0.7403% | 495 |
| Net interest margin | 3.0601% | 3,289 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.7130% | 1,523 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6106% | 3,859 |
| Return on assets (ROA) | 0.6106% | 3,806 |
| Pretax return on assets | 0.6367% | 3,965 |
| Return on Equity (ROE) | 9.4700% | 2,979 |
| Retained earnings to average equity (ytd only) | 5.7544% | 2,733 |
| Net charge-offs to loans | -0.0474% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.9914% | 653 |
| Assets per employee ($millions) | 5.3614% | 3,358 |
| Cash dividends to net income (ytd only)* | 39.2398% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7769% | 687 |
| Loan loss allowance to noncurrent loans | 63.8492% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.6533% | 175 |
| Noncurrent loans to loans | 2.7829% | 158 |
| Net loans and leases to total assets | 54.2400% | 3,181 |
| Net loans and leases to deposits | 62.6543% | 3,140 |
| Net loans and leases to core deposits | 67.2707% | 3,052 |
| Total domestic deposits to total assets | 86.5700% | 2,545 |
| Equity capital to assets | 5.1109% | 4,335 |
| Core capital (leverage) ratio | 10.0324% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $305,938,800 | 2,422 |
| Average earning assets | $281,626,000 | 2,436 |
| Average equity | $19,724,200 | 2,977 |
| Average total loans | $156,187,200 | 2,575 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6705% | 2,125 |
| Cost of funding earning assets | 0.7064% | 256 |
| Net interest margin | 2.9641% | 3,312 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.6847% | 1,506 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5700% | 3,911 |
| Return on assets (ROA) | 0.5700% | 3,864 |
| Pretax return on assets | 0.6012% | 3,991 |
| Return on Equity (ROE) | 8.4200% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.1407% | 2,322 |
| Net charge-offs to loans | -0.0659% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.7030% | 669 |
| Assets per employee ($millions) | 5.4577% | 3,270 |
| Cash dividends to net income (ytd only)* | 15.1446% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8362% | 686 |
| Loan loss allowance to noncurrent loans | 67.1298% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.5672% | 206 |
| Noncurrent loans to loans | 2.7353% | 184 |
| Net loans and leases to total assets | 51.5500% | 3,328 |
| Net loans and leases to deposits | 54.1222% | 3,593 |
| Net loans and leases to core deposits | 57.9387% | 3,505 |
| Total domestic deposits to total assets | 95.2400% | 192 |
| Equity capital to assets | 4.5813% | 4,381 |
| Core capital (leverage) ratio | 9.8383% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $307,363,750 | 2,429 |
| Average earning assets | $282,932,500 | 2,443 |
| Average equity | $20,819,000 | 2,921 |
| Average total loans | $153,784,250 | 2,600 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5327% | 2,033 |
| Cost of funding earning assets | 0.7188% | 143 |
| Net interest margin | 2.8139% | 3,409 |
| Noninterest income to average assets | 0.3871% | 2,832 |
| Noninterest expense to average assets | 2.6836% | 1,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2819% | 4,322 |
| Return on assets (ROA) | 0.2819% | 4,273 |
| Pretax return on assets | 0.2968% | 4,301 |
| Return on Equity (ROE) | 3.7590% | 4,083 |
| Retained earnings to average equity (ytd only) | 3.7590% | 3,178 |
| Net charge-offs to loans | -0.0937% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0414% | 403 |
| Assets per employee ($millions) | 5.6106% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8973% | 663 |
| Loan loss allowance to noncurrent loans | 63.8732% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.6529% | 198 |
| Noncurrent loans to loans | 2.9704% | 170 |
| Net loans and leases to total assets | 50.2096% | 3,357 |
| Net loans and leases to deposits | 53.0108% | 3,605 |
| Net loans and leases to core deposits | 57.4253% | 3,467 |
| Total domestic deposits to total assets | 94.7157% | 172 |
| Equity capital to assets | 5.1424% | 4,446 |
| Core capital (leverage) ratio | 9.8677% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,940,667 | 2,443 |
| Average earning assets | $283,802,667 | 2,467 |
| Average equity | $23,091,333 | 2,812 |
| Average total loans | $151,547,667 | 2,626 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4593% | 1,922 |
| Cost of funding earning assets | 0.7272% | 133 |
| Net interest margin | 2.7322% | 3,334 |
| Noninterest income to average assets | 0.3685% | 2,883 |
| Noninterest expense to average assets | 2.7086% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1843% | 4,352 |
| Return on assets (ROA) | 0.1843% | 4,322 |
| Pretax return on assets | 0.1920% | 4,335 |
| Return on Equity (ROE) | 2.1306% | 4,240 |
| Retained earnings to average equity (ytd only) | 2.1306% | 3,510 |
| Net charge-offs to loans | -0.0561% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3807% | 409 |
| Assets per employee ($millions) | 5.3939% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9348% | 694 |
| Loan loss allowance to noncurrent loans | 70.3307% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.4692% | 248 |
| Noncurrent loans to loans | 2.7511% | 202 |
| Net loans and leases to total assets | 47.6749% | 3,418 |
| Net loans and leases to deposits | 51.7212% | 3,585 |
| Net loans and leases to core deposits | 56.3575% | 3,416 |
| Total domestic deposits to total assets | 92.1767% | 509 |
| Equity capital to assets | 7.7065% | 3,795 |
| Core capital (leverage) ratio | 9.8921% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,424,000 | 2,448 |
| Average earning assets | $287,685,500 | 2,457 |
| Average equity | $26,847,000 | 2,659 |
| Average total loans | $149,789,500 | 2,630 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 2,321 |
| Cost of funding earning assets | 0.8349% | 166 |
| Net interest margin | 2.7908% | 3,684 |
| Noninterest income to average assets | 0.1761% | 4,277 |
| Noninterest expense to average assets | 2.5028% | 2,172 |
| Loan and lease loss provision to assets | 0.7889% | 56 |
| Net operating income to assets | -0.4767% | 4,761 |
| Return on assets (ROA) | -0.2181% | 4,732 |
| Pretax return on assets | -0.2362% | 4,734 |
| Return on Equity (ROE) | -2.1298% | 4,736 |
| Retained earnings to average equity (ytd only) | -2.1298% | 4,630 |
| Net charge-offs to loans | 1.9787% | 21 |
| Credit loss provision to net charge-offs | 78.3949% | 1,966 |
| Earnings coverage of net charge-offs (x) | 0.2700% | 2,643 |
| Efficiency ratio | 90.2073% | 323 |
| Assets per employee ($millions) | 6.2679% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9133% | 709 |
| Loan loss allowance to noncurrent loans | 56.6246% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.7476% | 210 |
| Noncurrent loans to loans | 3.3789% | 153 |
| Net loans and leases to total assets | 46.9813% | 3,602 |
| Net loans and leases to deposits | 52.0290% | 3,739 |
| Net loans and leases to core deposits | 56.9283% | 3,555 |
| Total domestic deposits to total assets | 90.2982% | 812 |
| Equity capital to assets | 9.5726% | 3,071 |
| Core capital (leverage) ratio | 9.6027% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,532,000 | 2,396 |
| Average earning assets | $288,195,000 | 2,388 |
| Average equity | $31,692,600 | 2,436 |
| Average total loans | $157,423,600 | 2,570 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6837% | 2,325 |
| Cost of funding earning assets | 0.8516% | 194 |
| Net interest margin | 2.8321% | 3,703 |
| Noninterest income to average assets | 0.1223% | 4,580 |
| Noninterest expense to average assets | 2.3433% | 2,623 |
| Loan and lease loss provision to assets | 0.8219% | 57 |
| Net operating income to assets | -0.4286% | 4,822 |
| Return on assets (ROA) | -0.0527% | 4,770 |
| Pretax return on assets | -0.0285% | 4,762 |
| Return on Equity (ROE) | -0.5065% | 4,771 |
| Retained earnings to average equity (ytd only) | -0.5065% | 4,613 |
| Net charge-offs to loans | 2.6088% | 14 |
| Credit loss provision to net charge-offs | 61.0398% | 1,798 |
| Earnings coverage of net charge-offs (x) | 0.3100% | 2,407 |
| Efficiency ratio | 84.8803% | 481 |
| Assets per employee ($millions) | 6.4336% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 1,736 |
| Loan loss allowance to noncurrent loans | 46.6760% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.7819% | 238 |
| Noncurrent loans to loans | 3.1545% | 196 |
| Net loans and leases to total assets | 48.4904% | 3,577 |
| Net loans and leases to deposits | 53.8611% | 3,752 |
| Net loans and leases to core deposits | 59.0054% | 3,546 |
| Total domestic deposits to total assets | 90.0287% | 765 |
| Equity capital to assets | 9.8084% | 3,095 |
| Core capital (leverage) ratio | 9.9278% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,566,250 | 2,424 |
| Average earning assets | $287,458,250 | 2,414 |
| Average equity | $32,115,750 | 2,453 |
| Average total loans | $159,252,250 | 2,589 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7329% | 2,247 |
| Cost of funding earning assets | 0.8760% | 202 |
| Net interest margin | 2.8568% | 3,664 |
| Noninterest income to average assets | 0.0618% | 4,810 |
| Noninterest expense to average assets | 2.4096% | 2,431 |
| Loan and lease loss provision to assets | 0.9619% | 41 |
| Net operating income to assets | -0.6772% | 4,882 |
| Return on assets (ROA) | -0.2886% | 4,845 |
| Pretax return on assets | -0.2518% | 4,839 |
| Return on Equity (ROE) | -2.7180% | 4,853 |
| Retained earnings to average equity (ytd only) | -2.7180% | 4,703 |
| Net charge-offs to loans | 3.9432% | 9 |
| Credit loss provision to net charge-offs | 46.5035% | 1,622 |
| Earnings coverage of net charge-offs (x) | 0.1554% | 2,198 |
| Efficiency ratio | 88.2282% | 393 |
| Assets per employee ($millions) | 6.2513% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 3,010 |
| Loan loss allowance to noncurrent loans | 35.1586% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.9375% | 222 |
| Noncurrent loans to loans | 3.3761% | 193 |
| Net loans and leases to total assets | 49.5913% | 3,594 |
| Net loans and leases to deposits | 55.1378% | 3,780 |
| Net loans and leases to core deposits | 61.0478% | 3,541 |
| Total domestic deposits to total assets | 89.9406% | 810 |
| Equity capital to assets | 9.9225% | 2,919 |
| Core capital (leverage) ratio | 9.9150% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,194,333 | 2,436 |
| Average earning assets | $284,231,000 | 2,423 |
| Average equity | $32,303,667 | 2,438 |
| Average total loans | $159,564,333 | 2,598 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8677% | 1,916 |
| Cost of funding earning assets | 0.9069% | 216 |
| Net interest margin | 2.9608% | 3,353 |
| Noninterest income to average assets | 0.2147% | 4,108 |
| Noninterest expense to average assets | 2.3506% | 2,649 |
| Loan and lease loss provision to assets | 0.1600% | 791 |
| Net operating income to assets | 0.4813% | 4,206 |
| Return on assets (ROA) | 0.4813% | 4,245 |
| Pretax return on assets | 0.4813% | 4,379 |
| Return on Equity (ROE) | 4.3826% | 4,210 |
| Retained earnings to average equity (ytd only) | 4.3826% | 3,390 |
| Net charge-offs to loans | 0.0249% | 1,258 |
| Credit loss provision to net charge-offs | 1,200.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 48.1000% | 916 |
| Efficiency ratio | 78.5651% | 920 |
| Assets per employee ($millions) | 6.1190% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2899% | 372 |
| Loan loss allowance to noncurrent loans | 45.4432% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 3.7536% | 68 |
| Noncurrent loans to loans | 5.0390% | 78 |
| Net loans and leases to total assets | 50.9756% | 3,538 |
| Net loans and leases to deposits | 57.0795% | 3,709 |
| Net loans and leases to core deposits | 65.0690% | 3,314 |
| Total domestic deposits to total assets | 89.3064% | 1,167 |
| Equity capital to assets | 10.5563% | 2,208 |
| Core capital (leverage) ratio | 10.4472% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,010,000 | 2,440 |
| Average earning assets | $281,410,500 | 2,429 |
| Average equity | $32,948,500 | 2,400 |
| Average total loans | $160,913,500 | 2,589 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 2,580 |
| Cost of funding earning assets | 1.1272% | 359 |
| Net interest margin | 2.9236% | 4,067 |
| Noninterest income to average assets | 0.1653% | 4,469 |
| Noninterest expense to average assets | 2.5379% | 2,727 |
| Loan and lease loss provision to assets | 0.8380% | 140 |
| Net operating income to assets | -0.4135% | 4,862 |
| Return on assets (ROA) | -0.2184% | 4,837 |
| Pretax return on assets | -0.2481% | 4,833 |
| Return on Equity (ROE) | -1.8946% | 4,847 |
| Retained earnings to average equity (ytd only) | -4.4050% | 4,823 |
| Net charge-offs to loans | 0.7986% | 178 |
| Credit loss provision to net charge-offs | 184.3123% | 2,245 |
| Earnings coverage of net charge-offs (x) | 0.8097% | 3,302 |
| Efficiency ratio | 87.3328% | 475 |
| Assets per employee ($millions) | 6.0172% | 2,326 |
| Cash dividends to net income (ytd only)* | -132.5077% | 4,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1860% | 423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1447% | 779 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 53.8141% | 3,503 |
| Net loans and leases to deposits | 61.0045% | 3,681 |
| Net loans and leases to core deposits | 70.9674% | 3,174 |
| Total domestic deposits to total assets | 88.2133% | 1,370 |
| Equity capital to assets | 11.6147% | 1,799 |
| Core capital (leverage) ratio | 10.5332% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,839,400 | 2,309 |
| Average earning assets | $277,333,200 | 2,304 |
| Average equity | $34,097,800 | 2,282 |
| Average total loans | $168,422,000 | 2,497 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 2,531 |
| Cost of funding earning assets | 1.1709% | 412 |
| Net interest margin | 2.9764% | 4,030 |
| Noninterest income to average assets | 0.1522% | 4,535 |
| Noninterest expense to average assets | 2.5613% | 2,656 |
| Loan and lease loss provision to assets | 0.4840% | 631 |
| Net operating income to assets | -0.1054% | 4,817 |
| Return on assets (ROA) | 0.1189% | 4,712 |
| Pretax return on assets | 0.1193% | 4,711 |
| Return on Equity (ROE) | 1.0334% | 4,705 |
| Retained earnings to average equity (ytd only) | -2.3174% | 4,725 |
| Net charge-offs to loans | 0.4079% | 389 |
| Credit loss provision to net charge-offs | 206.7308% | 2,089 |
| Earnings coverage of net charge-offs (x) | 1.6192% | 3,060 |
| Efficiency ratio | 87.1057% | 454 |
| Assets per employee ($millions) | 6.2438% | 2,051 |
| Cash dividends to net income (ytd only)* | 324.2424% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7685% | 777 |
| Loan loss allowance to noncurrent loans | 33.4461% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 4.6377% | 64 |
| Noncurrent loans to loans | 5.2876% | 93 |
| Net loans and leases to total assets | 53.8479% | 3,815 |
| Net loans and leases to deposits | 60.8867% | 4,002 |
| Net loans and leases to core deposits | 72.0277% | 3,469 |
| Total domestic deposits to total assets | 88.4395% | 997 |
| Equity capital to assets | 11.3984% | 2,082 |
| Core capital (leverage) ratio | 10.4305% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,089,000 | 2,297 |
| Average earning assets | $277,376,000 | 2,286 |
| Average equity | $34,061,000 | 2,274 |
| Average total loans | $169,974,500 | 2,487 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6400% | 1,565 |
| Cost of funding earning assets | 1.2375% | 451 |
| Net interest margin | 3.4025% | 3,091 |
| Noninterest income to average assets | 0.1666% | 4,458 |
| Noninterest expense to average assets | 2.3602% | 3,371 |
| Loan and lease loss provision to assets | 0.3755% | 1,109 |
| Net operating income to assets | 0.5830% | 3,792 |
| Return on assets (ROA) | 0.5687% | 3,914 |
| Pretax return on assets | 0.5994% | 4,064 |
| Return on Equity (ROE) | 4.9108% | 3,852 |
| Retained earnings to average equity (ytd only) | -0.1356% | 4,334 |
| Net charge-offs to loans | 0.4284% | 374 |
| Credit loss provision to net charge-offs | 150.2732% | 2,121 |
| Earnings coverage of net charge-offs (x) | 3.9617% | 2,637 |
| Efficiency ratio | 70.4504% | 1,899 |
| Assets per employee ($millions) | 5.8360% | 2,338 |
| Cash dividends to net income (ytd only)* | 102.7611% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 1,255 |
| Loan loss allowance to noncurrent loans | 46.0842% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 3.4771% | 113 |
| Noncurrent loans to loans | 3.2626% | 270 |
| Net loans and leases to total assets | 54.9616% | 3,785 |
| Net loans and leases to deposits | 65.5005% | 3,761 |
| Net loans and leases to core deposits | 75.7677% | 3,302 |
| Total domestic deposits to total assets | 83.9102% | 2,776 |
| Equity capital to assets | 11.4873% | 1,982 |
| Core capital (leverage) ratio | 10.6725% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,938,000 | 2,295 |
| Average earning assets | $274,095,333 | 2,285 |
| Average equity | $33,925,333 | 2,261 |
| Average total loans | $170,863,667 | 2,463 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 2,098 |
| Cost of funding earning assets | 1.3274% | 522 |
| Net interest margin | 3.2424% | 3,744 |
| Noninterest income to average assets | 0.2037% | 4,333 |
| Noninterest expense to average assets | 2.2560% | 3,871 |
| Loan and lease loss provision to assets | 0.2107% | 1,451 |
| Net operating income to assets | 0.7392% | 3,136 |
| Return on assets (ROA) | 0.5240% | 3,887 |
| Pretax return on assets | 0.5380% | 4,059 |
| Return on Equity (ROE) | 4.5045% | 3,818 |
| Retained earnings to average equity (ytd only) | -2.1375% | 4,271 |
| Net charge-offs to loans | 0.1153% | 1,014 |
| Credit loss provision to net charge-offs | 306.1224% | 1,163 |
| Earnings coverage of net charge-offs (x) | 14.1020% | 1,617 |
| Efficiency ratio | 69.9173% | 2,364 |
| Assets per employee ($millions) | 6.2211% | 1,505 |
| Cash dividends to net income (ytd only)* | 147.4531% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 1,334 |
| Loan loss allowance to noncurrent loans | 45.5320% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 3.7314% | 115 |
| Noncurrent loans to loans | 3.2982% | 301 |
| Net loans and leases to total assets | 57.5744% | 3,706 |
| Net loans and leases to deposits | 68.8422% | 3,671 |
| Net loans and leases to core deposits | 81.0516% | 3,106 |
| Total domestic deposits to total assets | 83.6324% | 2,911 |
| Equity capital to assets | 11.4163% | 2,513 |
| Core capital (leverage) ratio | 11.3619% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,753,500 | 2,291 |
| Average earning assets | $265,482,000 | 2,286 |
| Average equity | $33,122,500 | 2,296 |
| Average total loans | $169,998,000 | 2,452 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 2,370 |
| Cost of funding earning assets | 1.3068% | 757 |
| Net interest margin | 3.3791% | 3,800 |
| Noninterest income to average assets | 0.4659% | 2,925 |
| Noninterest expense to average assets | 2.5190% | 3,392 |
| Loan and lease loss provision to assets | 0.1168% | 1,811 |
| Net operating income to assets | 0.9466% | 3,026 |
| Return on assets (ROA) | 0.9822% | 2,986 |
| Pretax return on assets | 1.0393% | 3,362 |
| Return on Equity (ROE) | 8.3663% | 3,010 |
| Retained earnings to average equity (ytd only) | 4.0239% | 2,950 |
| Net charge-offs to loans | 0.0899% | 1,835 |
| Credit loss provision to net charge-offs | 205.6962% | 1,293 |
| Earnings coverage of net charge-offs (x) | 19.6962% | 1,980 |
| Efficiency ratio | 69.2460% | 2,282 |
| Assets per employee ($millions) | 6.4395% | 1,322 |
| Cash dividends to net income (ytd only)* | 51.9034% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 1,531 |
| Loan loss allowance to noncurrent loans | 44.5245% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 3.7344% | 113 |
| Noncurrent loans to loans | 3.1351% | 285 |
| Net loans and leases to total assets | 60.1095% | 3,574 |
| Net loans and leases to deposits | 72.3305% | 3,494 |
| Net loans and leases to core deposits | 85.5707% | 2,818 |
| Total domestic deposits to total assets | 83.1039% | 3,158 |
| Equity capital to assets | 11.8498% | 2,237 |
| Core capital (leverage) ratio | 10.9320% | 2,560 |
| Tier 1 risk-based capital ratio | 16.4561% | 2,233 |
| Total risk-based capital ratio | 17.7064% | 2,175 |
| Memoranda: | ||
| Average total assets | $278,163,000 | 2,279 |
| Average earning assets | $261,104,200 | 2,268 |
| Average equity | $32,654,800 | 2,264 |
| Average total loans | $175,687,400 | 2,364 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8004% | 2,118 |
| Cost of funding earning assets | 1.2813% | 830 |
| Net interest margin | 3.5190% | 3,508 |
| Noninterest income to average assets | 0.5596% | 2,412 |
| Noninterest expense to average assets | 2.3332% | 3,866 |
| Loan and lease loss provision to assets | 0.1324% | 1,452 |
| Net operating income to assets | 1.3285% | 1,738 |
| Return on assets (ROA) | 1.3720% | 1,634 |
| Pretax return on assets | 1.4519% | 2,113 |
| Return on Equity (ROE) | 11.7150% | 1,713 |
| Retained earnings to average equity (ytd only) | 7.0150% | 1,856 |
| Net charge-offs to loans | 0.0824% | 1,649 |
| Credit loss provision to net charge-offs | 252.2936% | 1,082 |
| Earnings coverage of net charge-offs (x) | 29.3027% | 1,649 |
| Efficiency ratio | 60.2687% | 3,588 |
| Assets per employee ($millions) | 6.2596% | 1,418 |
| Cash dividends to net income (ytd only)* | 40.1193% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 1,813 |
| Loan loss allowance to noncurrent loans | 243.1887% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 1.2298% | 1,015 |
| Noncurrent loans to loans | 0.5494% | 2,649 |
| Net loans and leases to total assets | 61.8087% | 3,512 |
| Net loans and leases to deposits | 74.5214% | 3,432 |
| Net loans and leases to core deposits | 88.3881% | 2,694 |
| Total domestic deposits to total assets | 82.9409% | 3,191 |
| Equity capital to assets | 12.0855% | 2,190 |
| Core capital (leverage) ratio | 11.6199% | 2,129 |
| Tier 1 risk-based capital ratio | 16.2498% | 2,347 |
| Total risk-based capital ratio | 17.4321% | 2,300 |
| Memoranda: | ||
| Average total assets | $276,869,250 | 2,304 |
| Average earning assets | $260,556,750 | 2,285 |
| Average equity | $32,424,750 | 2,287 |
| Average total loans | $176,428,250 | 2,383 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 2,100 |
| Cost of funding earning assets | 1.2486% | 872 |
| Net interest margin | 3.5391% | 3,473 |
| Noninterest income to average assets | 0.2021% | 4,539 |
| Noninterest expense to average assets | 2.3084% | 3,982 |
| Loan and lease loss provision to assets | 0.1647% | 1,105 |
| Net operating income to assets | 1.0089% | 2,890 |
| Return on assets (ROA) | 1.0228% | 2,916 |
| Pretax return on assets | 1.0784% | 3,296 |
| Return on Equity (ROE) | 8.8325% | 2,923 |
| Retained earnings to average equity (ytd only) | 3.5406% | 3,473 |
| Net charge-offs to loans | 0.1234% | 1,205 |
| Credit loss provision to net charge-offs | 208.3333% | 1,169 |
| Earnings coverage of net charge-offs (x) | 15.5370% | 1,979 |
| Efficiency ratio | 65.2660% | 2,929 |
| Assets per employee ($millions) | 6.1930% | 1,407 |
| Cash dividends to net income (ytd only)* | 59.9141% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 1,912 |
| Loan loss allowance to noncurrent loans | 244.4099% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 996 |
| Noncurrent loans to loans | 0.5413% | 2,650 |
| Net loans and leases to total assets | 63.1851% | 3,430 |
| Net loans and leases to deposits | 76.1267% | 3,320 |
| Net loans and leases to core deposits | 83.4437% | 3,160 |
| Total domestic deposits to total assets | 82.9999% | 3,208 |
| Equity capital to assets | 11.9001% | 2,266 |
| Core capital (leverage) ratio | 11.5741% | 2,107 |
| Tier 1 risk-based capital ratio | 16.2818% | 2,304 |
| Total risk-based capital ratio | 17.4817% | 2,266 |
| Memoranda: | ||
| Average total assets | $273,179,000 | 2,340 |
| Average earning assets | $257,413,670 | 2,313 |
| Average equity | $31,633,330 | 2,328 |
| Average total loans | $175,110,330 | 2,401 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 1,820 |
| Cost of funding earning assets | 1.2068% | 887 |
| Net interest margin | 3.6235% | 3,166 |
| Noninterest income to average assets | 0.2219% | 4,415 |
| Noninterest expense to average assets | 2.3001% | 4,022 |
| Loan and lease loss provision to assets | 0.1849% | 889 |
| Net operating income to assets | 1.0800% | 2,546 |
| Return on assets (ROA) | 1.1064% | 2,492 |
| Pretax return on assets | 1.1759% | 2,892 |
| Return on Equity (ROE) | 9.6929% | 2,497 |
| Retained earnings to average equity (ytd only) | 2.7990% | 3,821 |
| Net charge-offs to loans | 0.1084% | 1,086 |
| Credit loss provision to net charge-offs | 265.9574% | 890 |
| Earnings coverage of net charge-offs (x) | 19.1702% | 1,598 |
| Efficiency ratio | 63.3143% | 3,344 |
| Assets per employee ($millions) | 5.9614% | 1,581 |
| Cash dividends to net income (ytd only)* | 71.1230% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 1,997 |
| Loan loss allowance to noncurrent loans | 226.9795% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 1.4178% | 871 |
| Noncurrent loans to loans | 0.5817% | 2,593 |
| Net loans and leases to total assets | 63.2807% | 3,376 |
| Net loans and leases to deposits | 75.9695% | 3,262 |
| Net loans and leases to core deposits | 82.5532% | 3,144 |
| Total domestic deposits to total assets | 83.2976% | 3,282 |
| Equity capital to assets | 11.5497% | 2,354 |
| Core capital (leverage) ratio | 11.6131% | 2,040 |
| Tier 1 risk-based capital ratio | 16.5615% | 2,241 |
| Total risk-based capital ratio | 17.7756% | 2,206 |
| Memoranda: | ||
| Average total assets | $270,425,500 | 2,372 |
| Average earning assets | $254,563,000 | 2,350 |
| Average equity | $30,868,000 | 2,364 |
| Average total loans | $173,441,000 | 2,443 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6939% | 1,841 |
| Cost of funding earning assets | 1.0421% | 631 |
| Net interest margin | 3.6518% | 3,215 |
| Noninterest income to average assets | 0.2032% | 4,697 |
| Noninterest expense to average assets | 2.7600% | 2,826 |
| Loan and lease loss provision to assets | 0.1965% | 964 |
| Net operating income to assets | 0.6480% | 4,291 |
| Return on assets (ROA) | 0.6523% | 4,285 |
| Pretax return on assets | 0.6792% | 4,462 |
| Return on Equity (ROE) | 5.8941% | 4,209 |
| Retained earnings to average equity (ytd only) | 1.0990% | 4,678 |
| Net charge-offs to loans | 0.1226% | 1,510 |
| Credit loss provision to net charge-offs | 248.8152% | 1,194 |
| Earnings coverage of net charge-offs (x) | 11.0332% | 2,664 |
| Efficiency ratio | 76.0074% | 1,364 |
| Assets per employee ($millions) | 5.4414% | 2,013 |
| Cash dividends to net income (ytd only)* | 81.3540% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 1,999 |
| Loan loss allowance to noncurrent loans | 125.9259% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.6457% | 669 |
| Noncurrent loans to loans | 1.0384% | 1,577 |
| Net loans and leases to total assets | 63.5202% | 3,404 |
| Net loans and leases to deposits | 76.1376% | 3,340 |
| Net loans and leases to core deposits | 82.3329% | 3,235 |
| Total domestic deposits to total assets | 83.4282% | 3,183 |
| Equity capital to assets | 11.2757% | 2,443 |
| Core capital (leverage) ratio | 11.6844% | 1,965 |
| Tier 1 risk-based capital ratio | 17.0843% | 2,037 |
| Total risk-based capital ratio | 18.3046% | 1,992 |
| Memoranda: | ||
| Average total assets | $267,208,800 | 2,357 |
| Average earning assets | $250,835,200 | 2,331 |
| Average equity | $29,571,800 | 2,359 |
| Average total loans | $172,163,400 | 2,420 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6549% | 1,814 |
| Cost of funding earning assets | 1.0098% | 573 |
| Net interest margin | 3.6451% | 3,207 |
| Noninterest income to average assets | 0.2025% | 4,758 |
| Noninterest expense to average assets | 2.6591% | 3,100 |
| Loan and lease loss provision to assets | 0.2494% | 633 |
| Net operating income to assets | 0.6850% | 4,274 |
| Return on assets (ROA) | 0.6907% | 4,264 |
| Pretax return on assets | 0.7186% | 4,492 |
| Return on Equity (ROE) | 6.2706% | 4,179 |
| Retained earnings to average equity (ytd only) | 1.0957% | 4,831 |
| Net charge-offs to loans | 0.1408% | 1,158 |
| Credit loss provision to net charge-offs | 274.7253% | 1,097 |
| Earnings coverage of net charge-offs (x) | 10.5989% | 2,574 |
| Efficiency ratio | 73.4334% | 1,668 |
| Assets per employee ($millions) | 5.5225% | 1,892 |
| Cash dividends to net income (ytd only)* | 82.5270% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 2,117 |
| Loan loss allowance to noncurrent loans | 138.3385% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.6611% | 746 |
| Noncurrent loans to loans | 0.9358% | 1,823 |
| Net loans and leases to total assets | 63.3434% | 3,501 |
| Net loans and leases to deposits | 75.2397% | 3,486 |
| Net loans and leases to core deposits | 81.2418% | 3,385 |
| Total domestic deposits to total assets | 84.1889% | 2,879 |
| Equity capital to assets | 10.6223% | 3,022 |
| Core capital (leverage) ratio | 11.5927% | 2,095 |
| Tier 1 risk-based capital ratio | 15.9560% | 2,466 |
| Total risk-based capital ratio | 17.1002% | 2,441 |
| Memoranda: | ||
| Average total assets | $267,354,250 | 2,364 |
| Average earning assets | $250,738,000 | 2,347 |
| Average equity | $29,448,750 | 2,374 |
| Average total loans | $172,302,750 | 2,428 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6095% | 1,751 |
| Cost of funding earning assets | 0.9848% | 499 |
| Net interest margin | 3.6247% | 3,221 |
| Noninterest income to average assets | 0.2051% | 4,789 |
| Noninterest expense to average assets | 2.7220% | 2,933 |
| Loan and lease loss provision to assets | 0.2629% | 581 |
| Net operating income to assets | 0.5841% | 4,548 |
| Return on assets (ROA) | 0.5926% | 4,518 |
| Pretax return on assets | 0.6212% | 4,703 |
| Return on Equity (ROE) | 5.3161% | 4,454 |
| Retained earnings to average equity (ytd only) | -0.3234% | 4,997 |
| Net charge-offs to loans | 0.1373% | 1,094 |
| Credit loss provision to net charge-offs | 296.6102% | 1,009 |
| Earnings coverage of net charge-offs (x) | 9.8729% | 2,369 |
| Efficiency ratio | 75.6734% | 1,469 |
| Assets per employee ($millions) | 5.4599% | 1,926 |
| Cash dividends to net income (ytd only)* | 106.0837% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,484 |
| Loan loss allowance to noncurrent loans | 124.1815% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.8057% | 644 |
| Noncurrent loans to loans | 0.9993% | 1,750 |
| Net loans and leases to total assets | 64.3142% | 3,364 |
| Net loans and leases to deposits | 76.7501% | 3,272 |
| Net loans and leases to core deposits | 83.3219% | 3,140 |
| Total domestic deposits to total assets | 83.7969% | 3,131 |
| Equity capital to assets | 10.9481% | 2,684 |
| Core capital (leverage) ratio | 11.5956% | 1,985 |
| Tier 1 risk-based capital ratio | 15.9334% | 2,463 |
| Total risk-based capital ratio | 17.0417% | 2,461 |
| Memoranda: | ||
| Average total assets | $266,272,000 | 2,373 |
| Average earning assets | $249,180,670 | 2,368 |
| Average equity | $29,683,670 | 2,375 |
| Average total loans | $171,851,670 | 2,436 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5561% | 1,698 |
| Cost of funding earning assets | 0.9663% | 436 |
| Net interest margin | 3.5898% | 3,222 |
| Noninterest income to average assets | 0.2272% | 4,654 |
| Noninterest expense to average assets | 2.6350% | 3,231 |
| Loan and lease loss provision to assets | 0.1505% | 1,205 |
| Net operating income to assets | 0.7575% | 3,884 |
| Return on assets (ROA) | 0.7690% | 3,836 |
| Pretax return on assets | 0.8081% | 4,126 |
| Return on Equity (ROE) | 6.8018% | 3,859 |
| Retained earnings to average equity (ytd only) | -0.2795% | 4,830 |
| Net charge-offs to loans | 0.1125% | 1,102 |
| Credit loss provision to net charge-offs | 208.3333% | 1,022 |
| Earnings coverage of net charge-offs (x) | 13.1042% | 1,768 |
| Efficiency ratio | 73.5714% | 1,953 |
| Assets per employee ($millions) | 5.9088% | 1,590 |
| Cash dividends to net income (ytd only)* | 104.1096% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 3,067 |
| Loan loss allowance to noncurrent loans | 344.6957% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 1.6480% | 806 |
| Noncurrent loans to loans | 0.3352% | 3,563 |
| Net loans and leases to total assets | 63.7604% | 3,345 |
| Net loans and leases to deposits | 76.2660% | 3,185 |
| Net loans and leases to core deposits | 82.9295% | 3,069 |
| Total domestic deposits to total assets | 83.6027% | 3,466 |
| Equity capital to assets | 11.0671% | 2,517 |
| Core capital (leverage) ratio | 11.7139% | 1,837 |
| Tier 1 risk-based capital ratio | 16.0924% | 2,426 |
| Total risk-based capital ratio | 17.1181% | 2,470 |
| Memoranda: | ||
| Average total assets | $265,811,000 | 2,394 |
| Average earning assets | $248,373,000 | 2,394 |
| Average equity | $30,051,000 | 2,362 |
| Average total loans | $170,665,000 | 2,467 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5704% | 1,513 |
| Cost of funding earning assets | 0.8411% | 499 |
| Net interest margin | 3.7293% | 2,673 |
| Noninterest income to average assets | 0.2128% | 4,879 |
| Noninterest expense to average assets | 2.3767% | 4,141 |
| Loan and lease loss provision to assets | 0.7195% | 170 |
| Net operating income to assets | 0.5889% | 4,059 |
| Return on assets (ROA) | 0.6832% | 3,720 |
| Pretax return on assets | 0.7165% | 4,469 |
| Return on Equity (ROE) | 5.8538% | 3,823 |
| Retained earnings to average equity (ytd only) | 2.1611% | 4,026 |
| Net charge-offs to loans | 0.8378% | 234 |
| Credit loss provision to net charge-offs | 134.3706% | 1,971 |
| Earnings coverage of net charge-offs (x) | 2.4965% | 3,736 |
| Efficiency ratio | 64.0016% | 3,606 |
| Assets per employee ($millions) | 6.3268% | 1,302 |
| Cash dividends to net income (ytd only)* | 63.0820% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 3,136 |
| Loan loss allowance to noncurrent loans | 327.6740% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 1.7556% | 721 |
| Noncurrent loans to loans | 0.3469% | 3,516 |
| Net loans and leases to total assets | 63.1785% | 3,466 |
| Net loans and leases to deposits | 75.9728% | 3,329 |
| Net loans and leases to core deposits | 82.9554% | 3,156 |
| Total domestic deposits to total assets | 83.1593% | 3,510 |
| Equity capital to assets | 11.5439% | 2,167 |
| Core capital (leverage) ratio | 11.6099% | 1,861 |
| Tier 1 risk-based capital ratio | 16.0693% | 2,409 |
| Total risk-based capital ratio | 17.0651% | 2,450 |
| Memoranda: | ||
| Average total assets | $264,067,600 | 2,375 |
| Average earning assets | $247,875,400 | 2,363 |
| Average equity | $30,817,400 | 2,305 |
| Average total loans | $168,780,000 | 2,433 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 1,402 |
| Cost of funding earning assets | 0.8137% | 527 |
| Net interest margin | 3.7735% | 2,493 |
| Noninterest income to average assets | 0.1765% | 5,132 |
| Noninterest expense to average assets | 2.2964% | 4,307 |
| Loan and lease loss provision to assets | 0.9103% | 114 |
| Net operating income to assets | 0.4846% | 4,774 |
| Return on assets (ROA) | 0.6048% | 4,417 |
| Pretax return on assets | 0.6438% | 4,749 |
| Return on Equity (ROE) | 5.1685% | 4,463 |
| Retained earnings to average equity (ytd only) | 1.4390% | 4,835 |
| Net charge-offs to loans | 1.0760% | 156 |
| Credit loss provision to net charge-offs | 132.3529% | 1,863 |
| Earnings coverage of net charge-offs (x) | 2.0735% | 3,508 |
| Efficiency ratio | 61.6900% | 3,924 |
| Assets per employee ($millions) | 6.6170% | 1,119 |
| Cash dividends to net income (ytd only)* | 72.1572% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 3,404 |
| Loan loss allowance to noncurrent loans | 135.2477% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 2.0656% | 613 |
| Noncurrent loans to loans | 0.8251% | 2,305 |
| Net loans and leases to total assets | 61.5341% | 3,710 |
| Net loans and leases to deposits | 73.7891% | 3,597 |
| Net loans and leases to core deposits | 80.2333% | 3,434 |
| Total domestic deposits to total assets | 83.3919% | 3,329 |
| Equity capital to assets | 11.4945% | 2,380 |
| Core capital (leverage) ratio | 11.3177% | 2,170 |
| Tier 1 risk-based capital ratio | 15.8420% | 2,572 |
| Total risk-based capital ratio | 16.8314% | 2,616 |
| Memoranda: | ||
| Average total assets | $263,653,250 | 2,402 |
| Average earning assets | $247,754,500 | 2,383 |
| Average equity | $30,853,000 | 2,315 |
| Average total loans | $168,522,250 | 2,455 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 1,241 |
| Cost of funding earning assets | 0.8151% | 489 |
| Net interest margin | 3.7907% | 2,318 |
| Noninterest income to average assets | 0.1815% | 5,146 |
| Noninterest expense to average assets | 2.4228% | 3,986 |
| Loan and lease loss provision to assets | 0.8426% | 118 |
| Net operating income to assets | 0.4532% | 4,849 |
| Return on assets (ROA) | 0.6373% | 4,187 |
| Pretax return on assets | 0.6687% | 4,631 |
| Return on Equity (ROE) | 5.4127% | 4,305 |
| Retained earnings to average equity (ytd only) | 0.5920% | 4,956 |
| Net charge-offs to loans | 0.1841% | 1,078 |
| Credit loss provision to net charge-offs | 709.6774% | 497 |
| Earnings coverage of net charge-offs (x) | 11.0968% | 2,299 |
| Efficiency ratio | 64.7758% | 3,542 |
| Assets per employee ($millions) | 6.5920% | 1,103 |
| Cash dividends to net income (ytd only)* | 89.0625% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 1,971 |
| Loan loss allowance to noncurrent loans | 123.0809% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 1.7161% | 824 |
| Noncurrent loans to loans | 1.1329% | 1,729 |
| Net loans and leases to total assets | 64.0697% | 3,378 |
| Net loans and leases to deposits | 77.3038% | 3,186 |
| Net loans and leases to core deposits | 84.7016% | 2,989 |
| Total domestic deposits to total assets | 82.8804% | 3,602 |
| Equity capital to assets | 11.7874% | 2,086 |
| Core capital (leverage) ratio | 11.6731% | 1,850 |
| Tier 1 risk-based capital ratio | 16.1774% | 2,435 |
| Total risk-based capital ratio | 17.4274% | 2,378 |
| Memoranda: | ||
| Average total assets | $261,106,000 | 2,431 |
| Average earning assets | $245,125,670 | 2,408 |
| Average equity | $30,742,670 | 2,317 |
| Average total loans | $168,422,000 | 2,459 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5988% | 1,148 |
| Cost of funding earning assets | 0.8598% | 359 |
| Net interest margin | 3.7390% | 2,359 |
| Noninterest income to average assets | 0.1986% | 5,078 |
| Noninterest expense to average assets | 2.1215% | 4,807 |
| Loan and lease loss provision to assets | 0.4619% | 226 |
| Net operating income to assets | 1.0701% | 1,983 |
| Return on assets (ROA) | 1.0731% | 2,016 |
| Pretax return on assets | 1.1331% | 2,846 |
| Return on Equity (ROE) | 9.1190% | 2,353 |
| Retained earnings to average equity (ytd only) | 3.4278% | 3,730 |
| Net charge-offs to loans | 0.2515% | 716 |
| Credit loss provision to net charge-offs | 285.7143% | 814 |
| Earnings coverage of net charge-offs (x) | 9.8476% | 1,970 |
| Efficiency ratio | 57.1310% | 4,827 |
| Assets per employee ($millions) | 6.4435% | 1,217 |
| Cash dividends to net income (ytd only)* | 62.4103% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 4,414 |
| Loan loss allowance to noncurrent loans | 110.5192% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.5474% | 1,020 |
| Noncurrent loans to loans | 0.8831% | 2,266 |
| Net loans and leases to total assets | 62.9427% | 3,409 |
| Net loans and leases to deposits | 75.8301% | 3,219 |
| Net loans and leases to core deposits | 83.2406% | 2,971 |
| Total domestic deposits to total assets | 83.0050% | 3,837 |
| Equity capital to assets | 11.6718% | 2,063 |
| Core capital (leverage) ratio | 11.7314% | 1,806 |
| Tier 1 risk-based capital ratio | 16.4774% | 2,367 |
| Total risk-based capital ratio | 17.3554% | 2,458 |
| Memoranda: | ||
| Average total assets | $259,819,000 | 2,466 |
| Average earning assets | $244,239,000 | 2,442 |
| Average equity | $30,573,500 | 2,332 |
| Average total loans | $166,969,000 | 2,490 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 1,048 |
| Cost of funding earning assets | 1.0462% | 135 |
| Net interest margin | 3.6631% | 2,853 |
| Noninterest income to average assets | 0.1815% | 5,315 |
| Noninterest expense to average assets | 2.3169% | 4,518 |
| Loan and lease loss provision to assets | 0.1990% | 1,170 |
| Net operating income to assets | 1.0628% | 2,074 |
| Return on assets (ROA) | 1.1324% | 1,857 |
| Pretax return on assets | 1.1921% | 2,705 |
| Return on Equity (ROE) | 9.1552% | 2,344 |
| Retained earnings to average equity (ytd only) | 4.5342% | 2,673 |
| Net charge-offs to loans | 0.2385% | 1,170 |
| Credit loss provision to net charge-offs | 127.8772% | 2,093 |
| Earnings coverage of net charge-offs (x) | 8.4680% | 2,868 |
| Efficiency ratio | 63.7429% | 3,988 |
| Assets per employee ($millions) | 6.3864% | 1,215 |
| Cash dividends to net income (ytd only)* | 50.4745% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 4,900 |
| Loan loss allowance to noncurrent loans | 109.3939% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.5995% | 998 |
| Noncurrent loans to loans | 0.7951% | 2,528 |
| Net loans and leases to total assets | 64.4227% | 3,302 |
| Net loans and leases to deposits | 77.9813% | 3,106 |
| Net loans and leases to core deposits | 84.9679% | 2,930 |
| Total domestic deposits to total assets | 82.6130% | 3,891 |
| Equity capital to assets | 11.8659% | 1,899 |
| Core capital (leverage) ratio | 11.7514% | 1,758 |
| Tier 1 risk-based capital ratio | 16.1492% | 2,491 |
| Total risk-based capital ratio | 16.9139% | 2,605 |
| Memoranda: | ||
| Average total assets | $251,244,800 | 2,495 |
| Average earning assets | $236,847,400 | 2,459 |
| Average equity | $31,075,200 | 2,287 |
| Average total loans | $163,961,400 | 2,476 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 1,041 |
| Cost of funding earning assets | 1.0428% | 134 |
| Net interest margin | 3.6681% | 2,835 |
| Noninterest income to average assets | 0.1892% | 5,326 |
| Noninterest expense to average assets | 2.0794% | 5,042 |
| Loan and lease loss provision to assets | 0.2665% | 680 |
| Net operating income to assets | 1.2338% | 1,504 |
| Return on assets (ROA) | 1.3110% | 1,343 |
| Pretax return on assets | 1.3877% | 2,079 |
| Return on Equity (ROE) | 10.4904% | 1,875 |
| Retained earnings to average equity (ytd only) | 5.1471% | 2,725 |
| Net charge-offs to loans | 0.2129% | 1,093 |
| Credit loss provision to net charge-offs | 191.5709% | 1,483 |
| Earnings coverage of net charge-offs (x) | 11.3027% | 2,497 |
| Efficiency ratio | 56.9469% | 4,954 |
| Assets per employee ($millions) | 6.0464% | 1,396 |
| Cash dividends to net income (ytd only)* | 50.9348% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 4,632 |
| Loan loss allowance to noncurrent loans | 125.3185% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.6834% | 1,012 |
| Noncurrent loans to loans | 0.7634% | 2,764 |
| Net loans and leases to total assets | 64.1638% | 3,378 |
| Net loans and leases to deposits | 78.4222% | 3,142 |
| Net loans and leases to core deposits | 85.6806% | 2,974 |
| Total domestic deposits to total assets | 81.8185% | 3,996 |
| Equity capital to assets | 12.6025% | 1,703 |
| Core capital (leverage) ratio | 12.1935% | 1,553 |
| Tier 1 risk-based capital ratio | 17.3739% | 2,111 |
| Total risk-based capital ratio | 18.2571% | 2,182 |
| Memoranda: | ||
| Average total assets | $250,192,250 | 2,511 |
| Average earning assets | $236,153,750 | 2,474 |
| Average equity | $31,266,000 | 2,285 |
| Average total loans | $163,448,000 | 2,483 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 1,001 |
| Cost of funding earning assets | 1.0333% | 139 |
| Net interest margin | 3.6893% | 2,735 |
| Noninterest income to average assets | 0.1880% | 5,369 |
| Noninterest expense to average assets | 2.0069% | 5,253 |
| Loan and lease loss provision to assets | 0.4017% | 380 |
| Net operating income to assets | 1.1950% | 1,622 |
| Return on assets (ROA) | 1.2324% | 1,588 |
| Pretax return on assets | 1.3039% | 2,390 |
| Return on Equity (ROE) | 9.8904% | 2,100 |
| Retained earnings to average equity (ytd only) | 3.7847% | 3,483 |
| Net charge-offs to loans | 0.2735% | 875 |
| Credit loss provision to net charge-offs | 224.2152% | 1,203 |
| Earnings coverage of net charge-offs (x) | 9.3004% | 2,432 |
| Efficiency ratio | 54.6369% | 5,261 |
| Assets per employee ($millions) | 6.4005% | 1,133 |
| Cash dividends to net income (ytd only)* | 61.7340% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 4,620 |
| Loan loss allowance to noncurrent loans | 505.3292% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 1.3388% | 1,496 |
| Noncurrent loans to loans | 0.1937% | 4,659 |
| Net loans and leases to total assets | 65.3425% | 3,174 |
| Net loans and leases to deposits | 80.0550% | 2,924 |
| Net loans and leases to core deposits | 88.1798% | 2,710 |
| Total domestic deposits to total assets | 81.6221% | 4,110 |
| Equity capital to assets | 12.7494% | 1,637 |
| Core capital (leverage) ratio | 11.9630% | 1,651 |
| Tier 1 risk-based capital ratio | 16.6695% | 2,367 |
| Total risk-based capital ratio | 17.5731% | 2,438 |
| Memoranda: | ||
| Average total assets | $248,939,670 | 2,538 |
| Average earning assets | $235,167,000 | 2,494 |
| Average equity | $31,020,000 | 2,304 |
| Average total loans | $163,091,330 | 2,495 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8005% | 844 |
| Cost of funding earning assets | 1.0116% | 155 |
| Net interest margin | 3.7889% | 2,330 |
| Noninterest income to average assets | 0.2011% | 5,302 |
| Noninterest expense to average assets | 2.0032% | 5,328 |
| Loan and lease loss provision to assets | 0.4827% | 263 |
| Net operating income to assets | 1.2148% | 1,507 |
| Return on assets (ROA) | 1.2148% | 1,610 |
| Pretax return on assets | 1.2888% | 2,356 |
| Return on Equity (ROE) | 9.8636% | 2,045 |
| Retained earnings to average equity (ytd only) | 1.4893% | 4,676 |
| Net charge-offs to loans | 0.4042% | 557 |
| Credit loss provision to net charge-offs | 182.9268% | 1,142 |
| Earnings coverage of net charge-offs (x) | 6.7134% | 2,219 |
| Efficiency ratio | 53.0691% | 5,449 |
| Assets per employee ($millions) | 6.5578% | 1,077 |
| Cash dividends to net income (ytd only)* | 84.9007% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 5,031 |
| Loan loss allowance to noncurrent loans | 4,903.3333% | 154 |
| Noncurrent assets plus other real estate owned to assets | 1.1252% | 1,967 |
| Noncurrent loans to loans | 0.0185% | 5,432 |
| Net loans and leases to total assets | 64.3476% | 3,199 |
| Net loans and leases to deposits | 78.4684% | 2,958 |
| Net loans and leases to core deposits | 86.6626% | 2,690 |
| Total domestic deposits to total assets | 82.0045% | 4,227 |
| Equity capital to assets | 12.3907% | 1,756 |
| Core capital (leverage) ratio | 11.9998% | 1,602 |
| Tier 1 risk-based capital ratio | 17.2037% | 2,213 |
| Total risk-based capital ratio | 18.0510% | 2,307 |
| Memoranda: | ||
| Average total assets | $248,599,500 | 2,555 |
| Average earning assets | $234,476,000 | 2,512 |
| Average equity | $30,617,500 | 2,333 |
| Average total loans | $162,277,000 | 2,505 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8454% | 857 |
| Cost of funding earning assets | 1.1233% | 84 |
| Net interest margin | 3.7222% | 2,667 |
| Noninterest income to average assets | 0.1358% | 5,736 |
| Noninterest expense to average assets | 2.0492% | 5,356 |
| Loan and lease loss provision to assets | 0.3012% | 571 |
| Net operating income to assets | 1.2348% | 1,434 |
| Return on assets (ROA) | 1.2805% | 1,359 |
| Pretax return on assets | 1.3556% | 2,083 |
| Return on Equity (ROE) | 10.7455% | 1,708 |
| Retained earnings to average equity (ytd only) | 5.0054% | 2,411 |
| Net charge-offs to loans | 0.5025% | 523 |
| Credit loss provision to net charge-offs | 92.0245% | 2,723 |
| Earnings coverage of net charge-offs (x) | 4.9129% | 3,469 |
| Efficiency ratio | 56.0290% | 5,339 |
| Assets per employee ($millions) | 6.7028% | 1,002 |
| Cash dividends to net income (ytd only)* | 53.4191% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 5,359 |
| Loan loss allowance to noncurrent loans | 814.0244% | 711 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 1,772 |
| Noncurrent loans to loans | 0.1006% | 5,097 |
| Net loans and leases to total assets | 65.2042% | 3,095 |
| Net loans and leases to deposits | 79.4697% | 2,887 |
| Net loans and leases to core deposits | 87.5352% | 2,645 |
| Total domestic deposits to total assets | 82.0491% | 4,156 |
| Equity capital to assets | 12.2409% | 1,784 |
| Core capital (leverage) ratio | 11.8530% | 1,724 |
| Tier 1 risk-based capital ratio | 16.2406% | 2,589 |
| Total risk-based capital ratio | 16.9752% | 2,754 |
| Memoranda: | ||
| Average total assets | $248,971,400 | 2,513 |
| Average earning assets | $235,562,600 | 2,457 |
| Average equity | $29,668,200 | 2,341 |
| Average total loans | $162,196,200 | 2,439 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 881 |
| Cost of funding earning assets | 1.1347% | 81 |
| Net interest margin | 3.6971% | 2,785 |
| Noninterest income to average assets | 0.1380% | 5,796 |
| Noninterest expense to average assets | 2.0362% | 5,407 |
| Loan and lease loss provision to assets | 0.3478% | 386 |
| Net operating income to assets | 1.1827% | 1,709 |
| Return on assets (ROA) | 1.2385% | 1,586 |
| Pretax return on assets | 1.3156% | 2,331 |
| Return on Equity (ROE) | 10.4645% | 1,915 |
| Retained earnings to average equity (ytd only) | 4.4254% | 3,313 |
| Net charge-offs to loans | 0.6346% | 351 |
| Credit loss provision to net charge-offs | 84.3061% | 2,547 |
| Earnings coverage of net charge-offs (x) | 3.8885% | 3,440 |
| Efficiency ratio | 55.9377% | 5,360 |
| Assets per employee ($millions) | 6.7521% | 965 |
| Cash dividends to net income (ytd only)* | 57.7106% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 5,559 |
| Loan loss allowance to noncurrent loans | 784.6626% | 715 |
| Noncurrent assets plus other real estate owned to assets | 1.3297% | 1,762 |
| Noncurrent loans to loans | 0.1000% | 5,233 |
| Net loans and leases to total assets | 64.7417% | 3,193 |
| Net loans and leases to deposits | 78.6508% | 3,028 |
| Net loans and leases to core deposits | 86.1995% | 2,830 |
| Total domestic deposits to total assets | 82.3154% | 4,064 |
| Equity capital to assets | 12.0567% | 2,057 |
| Core capital (leverage) ratio | 11.5166% | 2,019 |
| Tier 1 risk-based capital ratio | 16.0026% | 2,793 |
| Total risk-based capital ratio | 16.7195% | 2,995 |
| Memoranda: | ||
| Average total assets | $249,213,250 | 2,536 |
| Average earning assets | $236,070,750 | 2,471 |
| Average equity | $29,495,750 | 2,367 |
| Average total loans | $161,984,250 | 2,455 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 862 |
| Cost of funding earning assets | 1.1542% | 69 |
| Net interest margin | 3.6636% | 2,862 |
| Noninterest income to average assets | 0.1398% | 5,863 |
| Noninterest expense to average assets | 1.9782% | 5,565 |
| Loan and lease loss provision to assets | 0.3012% | 512 |
| Net operating income to assets | 1.2493% | 1,467 |
| Return on assets (ROA) | 1.3180% | 1,318 |
| Pretax return on assets | 1.4008% | 1,977 |
| Return on Equity (ROE) | 11.2062% | 1,616 |
| Retained earnings to average equity (ytd only) | 4.1656% | 3,379 |
| Net charge-offs to loans | 0.9057% | 226 |
| Credit loss provision to net charge-offs | 51.2295% | 2,691 |
| Earnings coverage of net charge-offs (x) | 2.7705% | 3,288 |
| Efficiency ratio | 54.8430% | 5,519 |
| Assets per employee ($millions) | 6.8274% | 901 |
| Cash dividends to net income (ytd only)* | 62.8275% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6404% | 5,910 |
| Loan loss allowance to noncurrent loans | 319.9387% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 1.2393% | 2,033 |
| Noncurrent loans to loans | 0.2002% | 4,972 |
| Net loans and leases to total assets | 65.8402% | 2,981 |
| Net loans and leases to deposits | 79.9638% | 2,787 |
| Net loans and leases to core deposits | 87.5327% | 2,604 |
| Total domestic deposits to total assets | 82.3375% | 4,179 |
| Equity capital to assets | 11.9567% | 2,065 |
| Core capital (leverage) ratio | 11.3974% | 2,075 |
| Tier 1 risk-based capital ratio | 15.6692% | 3,009 |
| Total risk-based capital ratio | 16.2493% | 3,290 |
| Memoranda: | ||
| Average total assets | $249,008,330 | 2,557 |
| Average earning assets | $235,667,670 | 2,495 |
| Average equity | $29,287,330 | 2,399 |
| Average total loans | $161,638,330 | 2,468 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 932 |
| Cost of funding earning assets | 1.1904% | 63 |
| Net interest margin | 3.5661% | 3,146 |
| Noninterest income to average assets | 0.1548% | 5,815 |
| Noninterest expense to average assets | 2.0701% | 5,447 |
| Loan and lease loss provision to assets | 0.3591% | 352 |
| Net operating income to assets | 1.0277% | 2,139 |
| Return on assets (ROA) | 1.1507% | 1,803 |
| Pretax return on assets | 1.2274% | 2,560 |
| Return on Equity (ROE) | 9.8642% | 2,066 |
| Retained earnings to average equity (ytd only) | -0.0547% | 5,386 |
| Net charge-offs to loans | 1.4259% | 139 |
| Credit loss provision to net charge-offs | 39.1986% | 2,192 |
| Earnings coverage of net charge-offs (x) | 1.5889% | 2,897 |
| Efficiency ratio | 58.7144% | 5,256 |
| Assets per employee ($millions) | 7.0079% | 851 |
| Cash dividends to net income (ytd only)* | 100.5548% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6611% | 5,970 |
| Loan loss allowance to noncurrent loans | 498.1043% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 1.1400% | 2,352 |
| Noncurrent loans to loans | 0.1327% | 5,302 |
| Net loans and leases to total assets | 62.5960% | 3,279 |
| Net loans and leases to deposits | 75.6473% | 3,096 |
| Net loans and leases to core deposits | 82.8271% | 2,885 |
| Total domestic deposits to total assets | 82.7472% | 4,253 |
| Equity capital to assets | 11.7004% | 2,288 |
| Core capital (leverage) ratio | 11.0453% | 2,369 |
| Tier 1 risk-based capital ratio | 16.2549% | 2,798 |
| Total risk-based capital ratio | 16.8721% | 3,030 |
| Memoranda: | ||
| Average total assets | $250,619,500 | 2,554 |
| Average earning assets | $236,896,500 | 2,499 |
| Average equity | $29,237,000 | 2,417 |
| Average total loans | $161,023,000 | 2,482 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8588% | 997 |
| Cost of funding earning assets | 1.3644% | 42 |
| Net interest margin | 3.4944% | 3,818 |
| Noninterest income to average assets | 0.1333% | 6,025 |
| Noninterest expense to average assets | 2.0329% | 5,711 |
| Loan and lease loss provision to assets | 0.0493% | 3,581 |
| Net operating income to assets | 1.2893% | 1,329 |
| Return on assets (ROA) | 1.3137% | 1,321 |
| Pretax return on assets | 1.3914% | 1,913 |
| Return on Equity (ROE) | 12.1165% | 1,381 |
| Retained earnings to average equity (ytd only) | 6.2910% | 1,758 |
| Net charge-offs to loans | 0.0205% | 4,434 |
| Credit loss provision to net charge-offs | 378.7879% | 690 |
| Earnings coverage of net charge-offs (x) | 108.7273% | 485 |
| Efficiency ratio | 58.9661% | 5,351 |
| Assets per employee ($millions) | 6.7285% | 941 |
| Cash dividends to net income (ytd only)* | 48.0792% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 5,610 |
| Loan loss allowance to noncurrent loans | 164.8999% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.4143% | 1,954 |
| Noncurrent loans to loans | 0.5206% | 4,109 |
| Net loans and leases to total assets | 64.9416% | 3,057 |
| Net loans and leases to deposits | 78.5651% | 2,902 |
| Net loans and leases to core deposits | 86.0299% | 2,686 |
| Total domestic deposits to total assets | 82.6596% | 4,195 |
| Equity capital to assets | 11.6310% | 2,317 |
| Core capital (leverage) ratio | 11.0320% | 2,381 |
| Tier 1 risk-based capital ratio | 15.6276% | 3,175 |
| Total risk-based capital ratio | 16.4179% | 3,350 |
| Memoranda: | ||
| Average total assets | $253,625,400 | 2,490 |
| Average earning assets | $240,554,000 | 2,426 |
| Average equity | $27,499,600 | 2,449 |
| Average total loans | $160,635,800 | 2,415 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7863% | 1,127 |
| Cost of funding earning assets | 1.3726% | 43 |
| Net interest margin | 3.4137% | 4,178 |
| Noninterest income to average assets | 0.1078% | 6,219 |
| Noninterest expense to average assets | 1.9545% | 5,850 |
| Loan and lease loss provision to assets | 0.0654% | 3,045 |
| Net operating income to assets | 1.2499% | 1,527 |
| Return on assets (ROA) | 1.2716% | 1,514 |
| Pretax return on assets | 1.3527% | 2,183 |
| Return on Equity (ROE) | 11.9398% | 1,496 |
| Retained earnings to average equity (ytd only) | 5.8667% | 2,491 |
| Net charge-offs to loans | 0.0225% | 4,072 |
| Credit loss provision to net charge-offs | 462.9630% | 614 |
| Earnings coverage of net charge-offs (x) | 98.7383% | 593 |
| Efficiency ratio | 58.3503% | 5,398 |
| Assets per employee ($millions) | 6.6562% | 941 |
| Cash dividends to net income (ytd only)* | 50.8642% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8524% | 5,738 |
| Loan loss allowance to noncurrent loans | 67.6938% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.9471% | 1,495 |
| Noncurrent loans to loans | 1.2592% | 2,539 |
| Net loans and leases to total assets | 64.6556% | 3,080 |
| Net loans and leases to deposits | 77.8263% | 2,971 |
| Net loans and leases to core deposits | 85.3619% | 2,738 |
| Total domestic deposits to total assets | 83.0768% | 4,116 |
| Equity capital to assets | 11.1498% | 2,814 |
| Core capital (leverage) ratio | 10.8099% | 2,685 |
| Tier 1 risk-based capital ratio | 15.1793% | 3,489 |
| Total risk-based capital ratio | 15.9655% | 3,691 |
| Memoranda: | ||
| Average total assets | $254,792,750 | 2,501 |
| Average earning assets | $241,962,000 | 2,423 |
| Average equity | $27,135,500 | 2,478 |
| Average total loans | $160,025,750 | 2,444 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7487% | 1,182 |
| Cost of funding earning assets | 1.3786% | 42 |
| Net interest margin | 3.3700% | 4,312 |
| Noninterest income to average assets | 0.0783% | 6,354 |
| Noninterest expense to average assets | 1.7572% | 6,197 |
| Loan and lease loss provision to assets | 0.0979% | 2,394 |
| Net operating income to assets | 1.3288% | 1,231 |
| Return on assets (ROA) | 1.3649% | 1,191 |
| Pretax return on assets | 1.4526% | 1,705 |
| Return on Equity (ROE) | 13.0172% | 1,172 |
| Retained earnings to average equity (ytd only) | 6.0717% | 2,277 |
| Net charge-offs to loans | 0.0215% | 3,779 |
| Credit loss provision to net charge-offs | 735.2941% | 439 |
| Earnings coverage of net charge-offs (x) | 113.5882% | 508 |
| Efficiency ratio | 53.7485% | 5,928 |
| Assets per employee ($millions) | 6.6152% | 958 |
| Cash dividends to net income (ytd only)* | 53.3563% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 5,788 |
| Loan loss allowance to noncurrent loans | 63.3841% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 2.3136% | 1,278 |
| Noncurrent loans to loans | 1.3845% | 2,489 |
| Net loans and leases to total assets | 63.6281% | 3,138 |
| Net loans and leases to deposits | 76.3295% | 3,015 |
| Net loans and leases to core deposits | 83.9071% | 2,748 |
| Total domestic deposits to total assets | 83.3597% | 4,169 |
| Equity capital to assets | 11.0236% | 2,849 |
| Core capital (leverage) ratio | 10.6205% | 2,802 |
| Tier 1 risk-based capital ratio | 15.2461% | 3,496 |
| Total risk-based capital ratio | 16.0524% | 3,698 |
| Memoranda: | ||
| Average total assets | $255,411,330 | 2,498 |
| Average earning assets | $241,836,330 | 2,424 |
| Average equity | $26,780,000 | 2,497 |
| Average total loans | $158,386,330 | 2,470 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7149% | 1,223 |
| Cost of funding earning assets | 1.3800% | 44 |
| Net interest margin | 3.3350% | 4,396 |
| Noninterest income to average assets | 0.2067% | 5,700 |
| Noninterest expense to average assets | 1.8351% | 6,170 |
| Loan and lease loss provision to assets | 0.1942% | 1,208 |
| Net operating income to assets | 1.2544% | 1,333 |
| Return on assets (ROA) | 1.2617% | 1,367 |
| Pretax return on assets | 1.3394% | 1,961 |
| Return on Equity (ROE) | 12.3430% | 1,331 |
| Retained earnings to average equity (ytd only) | 2.8577% | 4,378 |
| Net charge-offs to loans | 0.0178% | 3,227 |
| Credit loss provision to net charge-offs | 1,785.7143% | 191 |
| Earnings coverage of net charge-offs (x) | 140.2857% | 354 |
| Efficiency ratio | 54.6001% | 5,964 |
| Assets per employee ($millions) | 6.7683% | 894 |
| Cash dividends to net income (ytd only)* | 76.8473% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 5,845 |
| Loan loss allowance to noncurrent loans | 66.5112% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 2.4087% | 1,341 |
| Noncurrent loans to loans | 1.3658% | 2,743 |
| Net loans and leases to total assets | 60.4797% | 3,478 |
| Net loans and leases to deposits | 71.8578% | 3,359 |
| Net loans and leases to core deposits | 78.7334% | 3,118 |
| Total domestic deposits to total assets | 84.1658% | 4,220 |
| Equity capital to assets | 10.3605% | 3,382 |
| Core capital (leverage) ratio | 10.1620% | 3,333 |
| Tier 1 risk-based capital ratio | 15.1387% | 3,634 |
| Total risk-based capital ratio | 15.9648% | 3,831 |
| Memoranda: | ||
| Average total assets | $257,428,000 | 2,484 |
| Average earning assets | $243,481,500 | 2,410 |
| Average equity | $26,314,500 | 2,527 |
| Average total loans | $156,898,000 | 2,499 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 1,162 |
| Cost of funding earning assets | 1.5083% | 51 |
| Net interest margin | 3.3579% | 4,444 |
| Noninterest income to average assets | 0.1853% | 5,984 |
| Noninterest expense to average assets | 1.9182% | 6,163 |
| Loan and lease loss provision to assets | 0.2206% | 1,653 |
| Net operating income to assets | 1.1646% | 1,702 |
| Return on assets (ROA) | 1.1802% | 1,703 |
| Pretax return on assets | 1.2489% | 2,369 |
| Return on Equity (ROE) | 11.5436% | 1,579 |
| Retained earnings to average equity (ytd only) | 5.3160% | 2,409 |
| Net charge-offs to loans | 0.6226% | 1,055 |
| Credit loss provision to net charge-offs | 57.8471% | 3,629 |
| Earnings coverage of net charge-offs (x) | 3.8109% | 3,751 |
| Efficiency ratio | 56.9007% | 5,867 |
| Assets per employee ($millions) | 6.7805% | 861 |
| Cash dividends to net income (ytd only)* | 53.9487% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8341% | 6,093 |
| Loan loss allowance to noncurrent loans | 41.9769% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 2.5344% | 1,344 |
| Noncurrent loans to loans | 1.9870% | 2,004 |
| Net loans and leases to total assets | 60.3550% | 3,652 |
| Net loans and leases to deposits | 71.5367% | 3,582 |
| Net loans and leases to core deposits | 78.0794% | 3,354 |
| Total domestic deposits to total assets | 84.3693% | 4,031 |
| Equity capital to assets | 10.0839% | 3,656 |
| Core capital (leverage) ratio | 9.9411% | 3,653 |
| Tier 1 risk-based capital ratio | 15.0092% | 3,660 |
| Total risk-based capital ratio | 15.7664% | 3,879 |
| Memoranda: | ||
| Average total assets | $260,711,800 | 2,431 |
| Average earning assets | $247,357,400 | 2,353 |
| Average equity | $26,655,400 | 2,489 |
| Average total loans | $159,645,200 | 2,427 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 1,235 |
| Cost of funding earning assets | 1.5309% | 48 |
| Net interest margin | 3.3219% | 4,563 |
| Noninterest income to average assets | 0.1866% | 6,077 |
| Noninterest expense to average assets | 1.9035% | 6,179 |
| Loan and lease loss provision to assets | 0.1020% | 3,064 |
| Net operating income to assets | 1.2445% | 1,498 |
| Return on assets (ROA) | 1.2559% | 1,537 |
| Pretax return on assets | 1.3457% | 2,140 |
| Return on Equity (ROE) | 12.2426% | 1,406 |
| Retained earnings to average equity (ytd only) | 5.8156% | 2,527 |
| Net charge-offs to loans | 0.2020% | 2,618 |
| Credit loss provision to net charge-offs | 82.3045% | 2,788 |
| Earnings coverage of net charge-offs (x) | 11.5844% | 2,221 |
| Efficiency ratio | 57.0098% | 5,802 |
| Assets per employee ($millions) | 7.0509% | 729 |
| Cash dividends to net income (ytd only)* | 52.4970% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 5,514 |
| Loan loss allowance to noncurrent loans | 125.1114% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.8100% | 2,263 |
| Noncurrent loans to loans | 0.8420% | 4,145 |
| Net loans and leases to total assets | 60.6286% | 3,591 |
| Net loans and leases to deposits | 71.8039% | 3,535 |
| Net loans and leases to core deposits | 77.4790% | 3,428 |
| Total domestic deposits to total assets | 84.4364% | 4,014 |
| Equity capital to assets | 10.1186% | 3,745 |
| Core capital (leverage) ratio | 9.8861% | 3,838 |
| Tier 1 risk-based capital ratio | 14.4587% | 4,101 |
| Total risk-based capital ratio | 15.4061% | 4,264 |
| Memoranda: | ||
| Average total assets | $261,475,000 | 2,442 |
| Average earning assets | $248,122,250 | 2,355 |
| Average equity | $26,823,750 | 2,499 |
| Average total loans | $160,352,000 | 2,433 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8354% | 1,253 |
| Cost of funding earning assets | 1.5639% | 47 |
| Net interest margin | 3.2715% | 4,683 |
| Noninterest income to average assets | 0.3103% | 5,225 |
| Noninterest expense to average assets | 1.9077% | 6,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4136% | 1,050 |
| Return on assets (ROA) | 1.4308% | 1,105 |
| Pretax return on assets | 1.5210% | 1,558 |
| Return on Equity (ROE) | 13.8843% | 1,034 |
| Retained earnings to average equity (ytd only) | 6.5565% | 2,117 |
| Net charge-offs to loans | 0.0735% | 3,656 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 33.3220% | 1,063 |
| Efficiency ratio | 55.9390% | 5,972 |
| Assets per employee ($millions) | 6.2646% | 1,039 |
| Cash dividends to net income (ytd only)* | 52.7778% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 5,654 |
| Loan loss allowance to noncurrent loans | 150.2703% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 1.7216% | 2,530 |
| Noncurrent loans to loans | 0.6953% | 4,543 |
| Net loans and leases to total assets | 61.5020% | 3,387 |
| Net loans and leases to deposits | 72.9824% | 3,310 |
| Net loans and leases to core deposits | 79.1655% | 3,137 |
| Total domestic deposits to total assets | 84.2696% | 4,212 |
| Equity capital to assets | 10.2088% | 3,651 |
| Core capital (leverage) ratio | 9.8109% | 3,777 |
| Tier 1 risk-based capital ratio | 14.4233% | 4,144 |
| Total risk-based capital ratio | 15.3702% | 4,305 |
| Memoranda: | ||
| Average total assets | $261,671,670 | 2,445 |
| Average earning assets | $247,963,330 | 2,367 |
| Average equity | $26,965,670 | 2,492 |
| Average total loans | $160,517,670 | 2,434 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8062% | 1,279 |
| Cost of funding earning assets | 1.5754% | 44 |
| Net interest margin | 3.2308% | 4,801 |
| Noninterest income to average assets | 0.2166% | 5,924 |
| Noninterest expense to average assets | 1.9373% | 6,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2526% | 1,397 |
| Return on assets (ROA) | 1.2526% | 1,499 |
| Pretax return on assets | 1.3420% | 2,065 |
| Return on Equity (ROE) | 12.1004% | 1,392 |
| Retained earnings to average equity (ytd only) | 2.1216% | 4,942 |
| Net charge-offs to loans | 0.0895% | 2,944 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 24.6111% | 1,076 |
| Efficiency ratio | 59.0762% | 5,708 |
| Assets per employee ($millions) | 6.4006% | 1,024 |
| Cash dividends to net income (ytd only)* | 82.4667% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 5,743 |
| Loan loss allowance to noncurrent loans | 434.7044% | 963 |
| Noncurrent assets plus other real estate owned to assets | 1.2590% | 3,465 |
| Noncurrent loans to loans | 0.2441% | 5,805 |
| Net loans and leases to total assets | 60.0755% | 3,416 |
| Net loans and leases to deposits | 71.3635% | 3,267 |
| Net loans and leases to core deposits | 77.4893% | 3,132 |
| Total domestic deposits to total assets | 84.1824% | 4,400 |
| Equity capital to assets | 10.4240% | 3,640 |
| Core capital (leverage) ratio | 9.3519% | 4,322 |
| Tier 1 risk-based capital ratio | 14.1127% | 4,418 |
| Total risk-based capital ratio | 15.0770% | 4,592 |
| Memoranda: | ||
| Average total assets | $264,084,000 | 2,450 |
| Average earning assets | $250,342,500 | 2,374 |
| Average equity | $27,338,000 | 2,500 |
| Average total loans | $160,959,500 | 2,436 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1114% | 1,285 |
| Cost of funding earning assets | 1.7290% | 68 |
| Net interest margin | 3.3824% | 4,951 |
| Noninterest income to average assets | 0.1844% | 6,081 |
| Noninterest expense to average assets | 1.8460% | 6,558 |
| Loan and lease loss provision to assets | 0.4126% | 1,555 |
| Net operating income to assets | 1.0887% | 1,976 |
| Return on assets (ROA) | 1.1756% | 1,846 |
| Pretax return on assets | 1.2411% | 2,636 |
| Return on Equity (ROE) | 11.7025% | 1,593 |
| Retained earnings to average equity (ytd only) | 6.2646% | 1,939 |
| Net charge-offs to loans | 0.1413% | 4,283 |
| Credit loss provision to net charge-offs | 483.4821% | 504 |
| Earnings coverage of net charge-offs (x) | 18.3080% | 1,444 |
| Efficiency ratio | 54.1634% | 6,249 |
| Assets per employee ($millions) | 6.0397% | 1,255 |
| Cash dividends to net income (ytd only)* | 46.4679% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 5,711 |
| Loan loss allowance to noncurrent loans | 3,925.0000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 1.1078% | 3,797 |
| Noncurrent loans to loans | 0.0271% | 6,454 |
| Net loans and leases to total assets | 60.5276% | 3,510 |
| Net loans and leases to deposits | 71.8069% | 3,442 |
| Net loans and leases to core deposits | 77.0036% | 3,407 |
| Total domestic deposits to total assets | 84.2921% | 4,185 |
| Equity capital to assets | 10.2809% | 3,787 |
| Core capital (leverage) ratio | 9.2123% | 4,561 |
| Tier 1 risk-based capital ratio | 13.7428% | 4,570 |
| Total risk-based capital ratio | 14.7071% | 4,742 |
| Memoranda: | ||
| Average total assets | $262,508,600 | 2,410 |
| Average earning assets | $250,205,800 | 2,322 |
| Average equity | $26,370,400 | 2,537 |
| Average total loans | $158,499,400 | 2,453 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0971% | 1,435 |
| Cost of funding earning assets | 1.7438% | 74 |
| Net interest margin | 3.3533% | 5,202 |
| Noninterest income to average assets | 0.1860% | 6,186 |
| Noninterest expense to average assets | 1.7791% | 6,700 |
| Loan and lease loss provision to assets | 0.5518% | 1,045 |
| Net operating income to assets | 0.9913% | 2,553 |
| Return on assets (ROA) | 1.1040% | 2,265 |
| Pretax return on assets | 1.1820% | 3,054 |
| Return on Equity (ROE) | 11.0561% | 1,934 |
| Retained earnings to average equity (ytd only) | 5.6122% | 2,952 |
| Net charge-offs to loans | 0.3090% | 2,900 |
| Credit loss provision to net charge-offs | 296.7123% | 913 |
| Earnings coverage of net charge-offs (x) | 8.6713% | 2,413 |
| Efficiency ratio | 52.4561% | 6,412 |
| Assets per employee ($millions) | 6.0730% | 1,206 |
| Cash dividends to net income (ytd only)* | 49.2386% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 6,133 |
| Loan loss allowance to noncurrent loans | 253.7600% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 1.3424% | 3,611 |
| Noncurrent loans to loans | 0.3891% | 5,685 |
| Net loans and leases to total assets | 59.5154% | 3,877 |
| Net loans and leases to deposits | 70.4765% | 3,832 |
| Net loans and leases to core deposits | 75.8358% | 3,747 |
| Total domestic deposits to total assets | 84.4472% | 4,004 |
| Equity capital to assets | 10.1698% | 4,244 |
| Core capital (leverage) ratio | 9.1946% | 4,775 |
| Tier 1 risk-based capital ratio | 13.3895% | 4,960 |
| Total risk-based capital ratio | 14.2712% | 5,191 |
| Memoranda: | ||
| Average total assets | $261,699,500 | 2,444 |
| Average earning assets | $250,177,000 | 2,344 |
| Average equity | $26,132,750 | 2,577 |
| Average total loans | $157,480,250 | 2,487 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1674% | 1,341 |
| Cost of funding earning assets | 1.7617% | 80 |
| Net interest margin | 3.4057% | 5,056 |
| Noninterest income to average assets | 0.1839% | 6,251 |
| Noninterest expense to average assets | 1.8187% | 6,732 |
| Loan and lease loss provision to assets | 0.6704% | 842 |
| Net operating income to assets | 0.8838% | 2,985 |
| Return on assets (ROA) | 0.9382% | 2,985 |
| Pretax return on assets | 1.0044% | 3,694 |
| Return on Equity (ROE) | 9.4550% | 2,593 |
| Retained earnings to average equity (ytd only) | 3.5447% | 4,237 |
| Net charge-offs to loans | 0.4679% | 2,194 |
| Credit loss provision to net charge-offs | 237.9781% | 1,206 |
| Earnings coverage of net charge-offs (x) | 5.7377% | 2,766 |
| Efficiency ratio | 52.9464% | 6,426 |
| Assets per employee ($millions) | 5.9873% | 1,236 |
| Cash dividends to net income (ytd only)* | 62.5103% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 6,518 |
| Loan loss allowance to noncurrent loans | 124.9318% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 1.3813% | 3,662 |
| Noncurrent loans to loans | 0.7002% | 5,103 |
| Net loans and leases to total assets | 59.0592% | 3,986 |
| Net loans and leases to deposits | 69.7972% | 3,928 |
| Net loans and leases to core deposits | 74.7279% | 3,929 |
| Total domestic deposits to total assets | 84.6154% | 4,045 |
| Equity capital to assets | 9.9442% | 4,424 |
| Core capital (leverage) ratio | 9.0167% | 4,885 |
| Tier 1 risk-based capital ratio | 13.2079% | 5,030 |
| Total risk-based capital ratio | 13.9817% | 5,362 |
| Memoranda: | ||
| Average total assets | $259,861,670 | 2,462 |
| Average earning assets | $248,056,330 | 2,372 |
| Average equity | $25,785,330 | 2,597 |
| Average total loans | $156,434,000 | 2,515 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2711% | 1,168 |
| Cost of funding earning assets | 1.8284% | 76 |
| Net interest margin | 3.4427% | 4,941 |
| Noninterest income to average assets | 0.2092% | 6,124 |
| Noninterest expense to average assets | 1.8522% | 6,734 |
| Loan and lease loss provision to assets | 0.3224% | 1,948 |
| Net operating income to assets | 1.2710% | 1,534 |
| Return on assets (ROA) | 1.3082% | 1,604 |
| Pretax return on assets | 1.3624% | 2,320 |
| Return on Equity (ROE) | 13.1981% | 1,353 |
| Retained earnings to average equity (ytd only) | 6.0674% | 2,913 |
| Net charge-offs to loans | 0.0461% | 4,055 |
| Credit loss provision to net charge-offs | 1,155.5556% | 300 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 560 |
| Efficiency ratio | 52.9464% | 6,441 |
| Assets per employee ($millions) | 5.8952% | 1,344 |
| Cash dividends to net income (ytd only)* | 54.0284% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6756% | 6,905 |
| Loan loss allowance to noncurrent loans | 164.7975% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 1.1061% | 4,282 |
| Noncurrent loans to loans | 0.4100% | 5,852 |
| Net loans and leases to total assets | 59.9631% | 3,676 |
| Net loans and leases to deposits | 70.9631% | 3,597 |
| Net loans and leases to core deposits | 76.1966% | 3,594 |
| Total domestic deposits to total assets | 84.4989% | 4,271 |
| Equity capital to assets | 9.9866% | 4,135 |
| Core capital (leverage) ratio | 9.0516% | 4,762 |
| Tier 1 risk-based capital ratio | 13.1543% | 5,091 |
| Total risk-based capital ratio | 13.7502% | 5,566 |
| Memoranda: | ||
| Average total assets | $258,073,000 | 2,492 |
| Average earning assets | $246,551,000 | 2,396 |
| Average equity | $25,579,500 | 2,615 |
| Average total loans | $156,172,000 | 2,538 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5144% | 1,134 |
| Cost of funding earning assets | 1.9706% | 110 |
| Net interest margin | 3.5438% | 4,967 |
| Noninterest income to average assets | 0.2025% | 6,055 |
| Noninterest expense to average assets | 1.9750% | 6,719 |
| Loan and lease loss provision to assets | 0.2659% | 3,562 |
| Net operating income to assets | 1.1547% | 1,657 |
| Return on assets (ROA) | 1.1565% | 1,760 |
| Pretax return on assets | 1.3299% | 2,016 |
| Return on Equity (ROE) | 12.2973% | 1,332 |
| Retained earnings to average equity (ytd only) | 6.7076% | 1,637 |
| Net charge-offs to loans | 0.3337% | 3,729 |
| Credit loss provision to net charge-offs | 128.9683% | 2,386 |
| Earnings coverage of net charge-offs (x) | 7.7302% | 2,279 |
| Efficiency ratio | 55.3416% | 6,384 |
| Assets per employee ($millions) | 5.8354% | 1,338 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5573% | 7,055 |
| Loan loss allowance to noncurrent loans | 149.9136% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 1.1252% | 4,355 |
| Noncurrent loans to loans | 0.3718% | 5,976 |
| Net loans and leases to total assets | 60.3218% | 3,929 |
| Net loans and leases to deposits | 71.3632% | 3,892 |
| Net loans and leases to core deposits | 76.7737% | 3,864 |
| Total domestic deposits to total assets | 84.5278% | 4,075 |
| Equity capital to assets | 9.8361% | 4,390 |
| Core capital (leverage) ratio | 9.2111% | 4,449 |
| Tier 1 risk-based capital ratio | 12.8515% | 5,194 |
| Total risk-based capital ratio | 13.3370% | 5,754 |
| Memoranda: | ||
| Average total assets | $244,452,400 | 2,587 |
| Average earning assets | $232,210,000 | 2,488 |
| Average equity | $22,988,800 | 2,784 |
| Average total loans | $151,017,400 | 2,629 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5336% | 1,176 |
| Cost of funding earning assets | 2.0129% | 115 |
| Net interest margin | 3.5207% | 5,101 |
| Noninterest income to average assets | 0.2149% | 6,072 |
| Noninterest expense to average assets | 1.9278% | 6,822 |
| Loan and lease loss provision to assets | 0.1657% | 4,404 |
| Net operating income to assets | 1.2609% | 1,482 |
| Return on assets (ROA) | 1.2633% | 1,586 |
| Pretax return on assets | 1.4660% | 1,746 |
| Return on Equity (ROE) | 13.5993% | 1,140 |
| Retained earnings to average equity (ytd only) | 7.9562% | 1,521 |
| Net charge-offs to loans | 0.2394% | 3,925 |
| Credit loss provision to net charge-offs | 111.5242% | 2,943 |
| Earnings coverage of net charge-offs (x) | 10.9628% | 1,860 |
| Efficiency ratio | 54.2010% | 6,468 |
| Assets per employee ($millions) | 5.7249% | 1,410 |
| Cash dividends to net income (ytd only)* | 41.4953% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4884% | 7,170 |
| Loan loss allowance to noncurrent loans | 100.8032% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 1.2283% | 4,342 |
| Noncurrent loans to loans | 0.4845% | 5,879 |
| Net loans and leases to total assets | 60.9081% | 3,962 |
| Net loans and leases to deposits | 72.2367% | 3,950 |
| Net loans and leases to core deposits | 77.4428% | 3,981 |
| Total domestic deposits to total assets | 84.3173% | 4,090 |
| Equity capital to assets | 9.9474% | 4,414 |
| Core capital (leverage) ratio | 9.4159% | 4,281 |
| Tier 1 risk-based capital ratio | 13.0044% | 5,096 |
| Total risk-based capital ratio | 13.4339% | 5,740 |
| Memoranda: | ||
| Average total assets | $241,376,000 | 2,632 |
| Average earning assets | $229,115,500 | 2,525 |
| Average equity | $22,422,250 | 2,840 |
| Average total loans | $149,834,500 | 2,663 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5504% | 1,182 |
| Cost of funding earning assets | 2.0553% | 120 |
| Net interest margin | 3.4952% | 5,183 |
| Noninterest income to average assets | 0.2245% | 6,064 |
| Noninterest expense to average assets | 1.9397% | 6,892 |
| Loan and lease loss provision to assets | 0.2522% | 3,383 |
| Net operating income to assets | 1.0394% | 2,070 |
| Return on assets (ROA) | 1.0426% | 2,155 |
| Pretax return on assets | 1.3512% | 1,953 |
| Return on Equity (ROE) | 11.5113% | 1,633 |
| Retained earnings to average equity (ytd only) | 6.1270% | 2,344 |
| Net charge-offs to loans | 0.3329% | 3,232 |
| Credit loss provision to net charge-offs | 121.4575% | 2,509 |
| Earnings coverage of net charge-offs (x) | 7.7004% | 2,182 |
| Efficiency ratio | 54.8111% | 6,530 |
| Assets per employee ($millions) | 5.7250% | 1,372 |
| Cash dividends to net income (ytd only)* | 46.7742% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5000% | 7,225 |
| Loan loss allowance to noncurrent loans | 561.5942% | 606 |
| Noncurrent assets plus other real estate owned to assets | 1.0168% | 4,844 |
| Noncurrent loans to loans | 0.0890% | 6,761 |
| Net loans and leases to total assets | 62.6465% | 3,754 |
| Net loans and leases to deposits | 73.9608% | 3,813 |
| Net loans and leases to core deposits | 78.7395% | 3,968 |
| Total domestic deposits to total assets | 84.7023% | 4,019 |
| Equity capital to assets | 9.3990% | 4,972 |
| Core capital (leverage) ratio | 9.2218% | 4,365 |
| Tier 1 risk-based capital ratio | 12.8879% | 5,010 |
| Total risk-based capital ratio | 13.3399% | 5,683 |
| Memoranda: | ||
| Average total assets | $237,869,330 | 2,676 |
| Average earning assets | $225,567,330 | 2,576 |
| Average equity | $21,544,000 | 2,918 |
| Average total loans | $148,386,670 | 2,708 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4989% | 1,301 |
| Cost of funding earning assets | 2.1270% | 108 |
| Net interest margin | 3.3719% | 5,533 |
| Noninterest income to average assets | 0.2396% | 5,989 |
| Noninterest expense to average assets | 2.0658% | 6,700 |
| Loan and lease loss provision to assets | 0.2310% | 3,341 |
| Net operating income to assets | 0.5870% | 4,101 |
| Return on assets (ROA) | 0.5870% | 4,168 |
| Pretax return on assets | 1.1416% | 2,599 |
| Return on Equity (ROE) | 6.6130% | 3,571 |
| Retained earnings to average equity (ytd only) | 4.2609% | 3,611 |
| Net charge-offs to loans | 0.3612% | 2,618 |
| Credit loss provision to net charge-offs | 103.0534% | 2,573 |
| Earnings coverage of net charge-offs (x) | 6.1221% | 2,154 |
| Efficiency ratio | 60.0796% | 5,975 |
| Assets per employee ($millions) | 5.7033% | 1,405 |
| Cash dividends to net income (ytd only)* | 35.5685% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4947% | 7,286 |
| Loan loss allowance to noncurrent loans | 364.8241% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 5,796 |
| Noncurrent loans to loans | 0.1356% | 6,705 |
| Net loans and leases to total assets | 60.9577% | 4,087 |
| Net loans and leases to deposits | 71.3955% | 4,151 |
| Net loans and leases to core deposits | 74.9910% | 4,430 |
| Total domestic deposits to total assets | 85.3803% | 3,845 |
| Equity capital to assets | 8.7251% | 5,613 |
| Core capital (leverage) ratio | 9.2887% | 4,139 |
| Tier 1 risk-based capital ratio | 13.3094% | 4,569 |
| Total risk-based capital ratio | 13.7556% | 5,240 |
| Memoranda: | ||
| Average total assets | $233,716,500 | 2,741 |
| Average earning assets | $221,716,500 | 2,643 |
| Average equity | $20,747,000 | 3,020 |
| Average total loans | $145,082,500 | 2,788 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7777% | 1,339 |
| Cost of funding earning assets | 2.3442% | 184 |
| Net interest margin | 3.4335% | 5,506 |
| Noninterest income to average assets | 0.2190% | 6,239 |
| Noninterest expense to average assets | 1.8818% | 7,185 |
| Loan and lease loss provision to assets | 0.1246% | 5,916 |
| Net operating income to assets | 1.0659% | 1,824 |
| Return on assets (ROA) | 1.1194% | 1,727 |
| Pretax return on assets | 1.5408% | 1,271 |
| Return on Equity (ROE) | 11.8897% | 1,337 |
| Retained earnings to average equity (ytd only) | 8.3835% | 874 |
| Net charge-offs to loans | 0.2040% | 5,064 |
| Credit loss provision to net charge-offs | 100.3623% | 4,537 |
| Earnings coverage of net charge-offs (x) | 12.8261% | 1,464 |
| Efficiency ratio | 54.1688% | 6,790 |
| Assets per employee ($millions) | 5.4260% | 1,650 |
| Cash dividends to net income (ytd only)* | 29.4898% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5034% | 7,355 |
| Loan loss allowance to noncurrent loans | 77.5510% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.9162% | 5,185 |
| Noncurrent loans to loans | 0.6491% | 5,760 |
| Net loans and leases to total assets | 62.6167% | 4,144 |
| Net loans and leases to deposits | 73.9611% | 4,197 |
| Net loans and leases to core deposits | 77.9061% | 4,470 |
| Total domestic deposits to total assets | 84.6617% | 4,021 |
| Equity capital to assets | 9.0367% | 5,088 |
| Core capital (leverage) ratio | 9.4538% | 3,759 |
| Tier 1 risk-based capital ratio | 13.5923% | 4,140 |
| Total risk-based capital ratio | 14.0501% | 4,742 |
| Memoranda: | ||
| Average total assets | $222,346,200 | 2,838 |
| Average earning assets | $210,774,200 | 2,749 |
| Average equity | $20,934,000 | 3,016 |
| Average total loans | $135,295,800 | 3,028 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7437% | 1,568 |
| Cost of funding earning assets | 2.3793% | 208 |
| Net interest margin | 3.3644% | 5,795 |
| Noninterest income to average assets | 0.2190% | 6,342 |
| Noninterest expense to average assets | 1.7722% | 7,357 |
| Loan and lease loss provision to assets | 0.1418% | 5,614 |
| Net operating income to assets | 1.2110% | 1,565 |
| Return on assets (ROA) | 1.2907% | 1,438 |
| Pretax return on assets | 1.5954% | 1,360 |
| Return on Equity (ROE) | 13.5683% | 1,132 |
| Retained earnings to average equity (ytd only) | 11.2404% | 569 |
| Net charge-offs to loans | 0.2321% | 4,543 |
| Credit loss provision to net charge-offs | 101.2931% | 4,256 |
| Earnings coverage of net charge-offs (x) | 11.7067% | 1,764 |
| Efficiency ratio | 51.9547% | 6,978 |
| Assets per employee ($millions) | 5.8750% | 1,321 |
| Cash dividends to net income (ytd only)* | 17.1575% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5125% | 7,441 |
| Loan loss allowance to noncurrent loans | 95.1380% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.8434% | 5,409 |
| Noncurrent loans to loans | 0.5387% | 6,128 |
| Net loans and leases to total assets | 59.8099% | 4,950 |
| Net loans and leases to deposits | 72.5988% | 4,752 |
| Net loans and leases to core deposits | 76.3119% | 5,018 |
| Total domestic deposits to total assets | 82.3841% | 4,845 |
| Equity capital to assets | 9.4882% | 4,863 |
| Core capital (leverage) ratio | 9.5321% | 3,855 |
| Tier 1 risk-based capital ratio | 13.9909% | 3,842 |
| Total risk-based capital ratio | 14.4619% | 4,391 |
| Memoranda: | ||
| Average total assets | $220,959,500 | 2,899 |
| Average earning assets | $209,640,500 | 2,795 |
| Average equity | $21,019,000 | 3,047 |
| Average total loans | $133,264,500 | 3,116 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9428% | 1,069 |
| Cost of funding earning assets | 2.4101% | 230 |
| Net interest margin | 3.5327% | 5,119 |
| Noninterest income to average assets | 0.2118% | 6,406 |
| Noninterest expense to average assets | 1.8171% | 7,370 |
| Loan and lease loss provision to assets | 0.1849% | 5,021 |
| Net operating income to assets | 1.2941% | 1,324 |
| Return on assets (ROA) | 1.4047% | 1,146 |
| Pretax return on assets | 1.6867% | 1,078 |
| Return on Equity (ROE) | 14.7526% | 900 |
| Retained earnings to average equity (ytd only) | 12.3828% | 441 |
| Net charge-offs to loans | 0.3155% | 3,741 |
| Credit loss provision to net charge-offs | 97.0874% | 4,210 |
| Earnings coverage of net charge-offs (x) | 9.1262% | 2,050 |
| Efficiency ratio | 51.1053% | 7,139 |
| Assets per employee ($millions) | 5.6378% | 1,503 |
| Cash dividends to net income (ytd only)* | 16.0632% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5278% | 7,482 |
| Loan loss allowance to noncurrent loans | 176.9802% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 5,755 |
| Noncurrent loans to loans | 0.2982% | 6,631 |
| Net loans and leases to total assets | 59.7570% | 5,112 |
| Net loans and leases to deposits | 72.8689% | 4,855 |
| Net loans and leases to core deposits | 76.7725% | 5,109 |
| Total domestic deposits to total assets | 82.0061% | 4,986 |
| Equity capital to assets | 9.5703% | 4,597 |
| Core capital (leverage) ratio | 9.7174% | 3,518 |
| Tier 1 risk-based capital ratio | 14.3005% | 3,539 |
| Total risk-based capital ratio | 14.7872% | 4,008 |
| Memoranda: | ||
| Average total assets | $216,280,000 | 2,979 |
| Average earning assets | $204,718,330 | 2,880 |
| Average equity | $20,593,000 | 3,096 |
| Average total loans | $130,594,000 | 3,189 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0228% | 934 |
| Cost of funding earning assets | 2.4699% | 245 |
| Net interest margin | 3.5529% | 4,936 |
| Noninterest income to average assets | 0.2117% | 6,450 |
| Noninterest expense to average assets | 1.9521% | 7,247 |
| Loan and lease loss provision to assets | 0.0472% | 6,193 |
| Net operating income to assets | 1.4778% | 928 |
| Return on assets (ROA) | 1.4778% | 998 |
| Pretax return on assets | 1.5477% | 1,401 |
| Return on Equity (ROE) | 15.5634% | 792 |
| Retained earnings to average equity (ytd only) | 13.1353% | 606 |
| Net charge-offs to loans | 0.0874% | 4,549 |
| Credit loss provision to net charge-offs | 89.2857% | 3,673 |
| Earnings coverage of net charge-offs (x) | 30.1429% | 866 |
| Efficiency ratio | 55.0346% | 6,888 |
| Assets per employee ($millions) | 5.3726% | 1,801 |
| Cash dividends to net income (ytd only)* | 15.6010% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5504% | 7,550 |
| Loan loss allowance to noncurrent loans | 73.1906% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 5,101 |
| Noncurrent loans to loans | 0.7520% | 5,821 |
| Net loans and leases to total assets | 60.3690% | 5,057 |
| Net loans and leases to deposits | 73.9540% | 4,748 |
| Net loans and leases to core deposits | 77.8994% | 5,029 |
| Total domestic deposits to total assets | 81.6305% | 5,222 |
| Equity capital to assets | 9.5363% | 4,473 |
| Core capital (leverage) ratio | 9.8369% | 3,358 |
| Tier 1 risk-based capital ratio | 13.9442% | 3,696 |
| Total risk-based capital ratio | 14.4361% | 4,176 |
| Memoranda: | ||
| Average total assets | $211,665,000 | 3,085 |
| Average earning assets | $198,710,000 | 3,016 |
| Average equity | $20,098,500 | 3,196 |
| Average total loans | $128,154,500 | 3,295 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3603% | 910 |
| Cost of funding earning assets | 2.8873% | 321 |
| Net interest margin | 3.4730% | 5,074 |
| Noninterest income to average assets | 0.3547% | 5,568 |
| Noninterest expense to average assets | 2.2056% | 6,981 |
| Loan and lease loss provision to assets | 0.1060% | 6,579 |
| Net operating income to assets | 1.0857% | 1,549 |
| Return on assets (ROA) | 1.1868% | 1,327 |
| Pretax return on assets | 1.4281% | 1,366 |
| Return on Equity (ROE) | 11.9117% | 1,184 |
| Retained earnings to average equity (ytd only) | 8.2097% | 647 |
| Net charge-offs to loans | 0.1871% | 5,486 |
| Credit loss provision to net charge-offs | 99.5074% | 5,601 |
| Earnings coverage of net charge-offs (x) | 13.2611% | 1,440 |
| Efficiency ratio | 60.9629% | 6,337 |
| Assets per employee ($millions) | 5.2106% | 1,941 |
| Cash dividends to net income (ytd only)* | 31.0787% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5729% | 7,594 |
| Loan loss allowance to noncurrent loans | 89.5652% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.2004% | 4,701 |
| Noncurrent loans to loans | 0.6396% | 5,958 |
| Net loans and leases to total assets | 60.0379% | 5,332 |
| Net loans and leases to deposits | 73.8676% | 5,058 |
| Net loans and leases to core deposits | 107.5395% | 3,151 |
| Total domestic deposits to total assets | 81.2777% | 5,239 |
| Equity capital to assets | 9.4533% | 4,485 |
| Core capital (leverage) ratio | 9.8944% | 3,205 |
| Tier 1 risk-based capital ratio | 13.1569% | 4,041 |
| Total risk-based capital ratio | 13.6389% | 4,572 |
| Memoranda: | ||
| Average total assets | $190,601,600 | 3,280 |
| Average earning assets | $179,094,000 | 3,224 |
| Average equity | $18,989,800 | 3,346 |
| Average total loans | $108,521,000 | 3,730 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3721% | 979 |
| Cost of funding earning assets | 2.9644% | 365 |
| Net interest margin | 3.4077% | 5,230 |
| Noninterest income to average assets | 0.3868% | 5,423 |
| Noninterest expense to average assets | 2.0729% | 7,234 |
| Loan and lease loss provision to assets | 0.0788% | 6,579 |
| Net operating income to assets | 1.3537% | 1,112 |
| Return on assets (ROA) | 1.3537% | 1,176 |
| Pretax return on assets | 1.4397% | 1,593 |
| Return on Equity (ROE) | 13.3957% | 1,031 |
| Retained earnings to average equity (ytd only) | 11.4466% | 422 |
| Net charge-offs to loans | 0.1843% | 4,915 |
| Credit loss provision to net charge-offs | 76.3889% | 5,855 |
| Earnings coverage of net charge-offs (x) | 14.7219% | 1,580 |
| Efficiency ratio | 57.7184% | 6,757 |
| Assets per employee ($millions) | 4.9226% | 2,239 |
| Cash dividends to net income (ytd only)* | 14.5503% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 7,571 |
| Loan loss allowance to noncurrent loans | 88.3184% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.2534% | 4,555 |
| Noncurrent loans to loans | 0.6866% | 5,927 |
| Net loans and leases to total assets | 57.2683% | 5,999 |
| Net loans and leases to deposits | 71.7655% | 5,686 |
| Net loans and leases to core deposits | 102.3332% | 4,125 |
| Total domestic deposits to total assets | 79.7992% | 5,520 |
| Equity capital to assets | 10.4838% | 3,534 |
| Core capital (leverage) ratio | 10.4245% | 2,853 |
| Tier 1 risk-based capital ratio | 10.1472% | 6,834 |
| Total risk-based capital ratio | 10.5008% | 7,504 |
| Memoranda: | ||
| Average total assets | $186,145,750 | 3,367 |
| Average earning assets | $175,050,500 | 3,310 |
| Average equity | $18,811,500 | 3,401 |
| Average total loans | $104,187,500 | 3,873 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3584% | 1,083 |
| Cost of funding earning assets | 3.0149% | 450 |
| Net interest margin | 3.3435% | 5,391 |
| Noninterest income to average assets | 0.4393% | 4,936 |
| Noninterest expense to average assets | 2.2195% | 7,009 |
| Loan and lease loss provision to assets | 0.0822% | 6,359 |
| Net operating income to assets | 1.2149% | 1,439 |
| Return on assets (ROA) | 1.2149% | 1,519 |
| Pretax return on assets | 1.2807% | 2,083 |
| Return on Equity (ROE) | 12.1861% | 1,364 |
| Retained earnings to average equity (ytd only) | 10.1643% | 704 |
| Net charge-offs to loans | 0.1227% | 4,938 |
| Credit loss provision to net charge-offs | 120.9677% | 3,834 |
| Earnings coverage of net charge-offs (x) | 20.0645% | 1,331 |
| Efficiency ratio | 61.9572% | 6,249 |
| Assets per employee ($millions) | 4.7392% | 2,411 |
| Cash dividends to net income (ytd only)* | 16.5915% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6641% | 7,504 |
| Loan loss allowance to noncurrent loans | 40.4290% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 1.2676% | 4,403 |
| Noncurrent loans to loans | 1.6427% | 4,032 |
| Net loans and leases to total assets | 57.9951% | 5,964 |
| Net loans and leases to deposits | 72.2741% | 5,699 |
| Net loans and leases to core deposits | 104.9737% | 3,961 |
| Total domestic deposits to total assets | 80.2433% | 5,372 |
| Equity capital to assets | 9.6858% | 4,370 |
| Core capital (leverage) ratio | 10.4553% | 2,856 |
| Tier 1 risk-based capital ratio | 10.0094% | 6,907 |
| Total risk-based capital ratio | 10.3966% | 7,626 |
| Memoranda: | ||
| Average total assets | $182,560,000 | 3,449 |
| Average earning assets | $171,614,670 | 3,368 |
| Average equity | $18,201,000 | 3,524 |
| Average total loans | $101,099,670 | 3,984 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3469% | 1,183 |
| Cost of funding earning assets | 3.0388% | 545 |
| Net interest margin | 3.3081% | 5,467 |
| Noninterest income to average assets | 0.2524% | 6,440 |
| Noninterest expense to average assets | 2.2563% | 6,672 |
| Loan and lease loss provision to assets | 0.1675% | 4,787 |
| Net operating income to assets | 0.8846% | 2,764 |
| Return on assets (ROA) | 0.8846% | 2,913 |
| Pretax return on assets | 0.9293% | 3,606 |
| Return on Equity (ROE) | 8.7412% | 2,823 |
| Retained earnings to average equity (ytd only) | 6.7104% | 2,324 |
| Net charge-offs to loans | 0.2990% | 2,920 |
| Credit loss provision to net charge-offs | 104.1667% | 3,624 |
| Earnings coverage of net charge-offs (x) | 6.8194% | 2,435 |
| Efficiency ratio | 67.2885% | 5,084 |
| Assets per employee ($millions) | 4.7298% | 2,396 |
| Cash dividends to net income (ytd only)* | 23.2323% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7360% | 7,348 |
| Loan loss allowance to noncurrent loans | 102.6912% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6820% | 5,454 |
| Noncurrent loans to loans | 0.7167% | 5,626 |
| Net loans and leases to total assets | 53.0112% | 6,577 |
| Net loans and leases to deposits | 66.3433% | 6,347 |
| Net loans and leases to core deposits | 95.4494% | 5,026 |
| Total domestic deposits to total assets | 79.9044% | 5,403 |
| Equity capital to assets | 9.7944% | 4,246 |
| Core capital (leverage) ratio | 10.5627% | 2,855 |
| Tier 1 risk-based capital ratio | 9.9734% | 6,959 |
| Total risk-based capital ratio | 10.3668% | 7,736 |
| Memoranda: | ||
| Average total assets | $179,057,000 | 3,523 |
| Average earning assets | $167,830,500 | 3,454 |
| Average equity | $18,121,000 | 3,551 |
| Average total loans | $96,312,500 | 4,134 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6959% | 2,039 |
| Cost of funding earning assets | 3.2161% | 1,141 |
| Net interest margin | 3.4798% | 5,361 |
| Noninterest income to average assets | 0.2803% | 6,456 |
| Noninterest expense to average assets | 2.3379% | 6,596 |
| Loan and lease loss provision to assets | 0.1633% | 5,291 |
| Net operating income to assets | 0.9239% | 2,902 |
| Return on assets (ROA) | 0.9239% | 2,753 |
| Pretax return on assets | 1.0382% | 3,243 |
| Return on Equity (ROE) | 7.9451% | 3,096 |
| Retained earnings to average equity (ytd only) | 4.1692% | 2,535 |
| Net charge-offs to loans | 0.2804% | 3,529 |
| Credit loss provision to net charge-offs | 105.0420% | 5,090 |
| Earnings coverage of net charge-offs (x) | 7.7269% | 3,034 |
| Efficiency ratio | 66.0513% | 5,118 |
| Assets per employee ($millions) | 4.5698% | 2,513 |
| Cash dividends to net income (ytd only)* | 47.5248% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7672% | 7,214 |
| Loan loss allowance to noncurrent loans | 40.2453% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 1.3239% | 3,567 |
| Noncurrent loans to loans | 1.9062% | 2,890 |
| Net loans and leases to total assets | 53.7814% | 6,680 |
| Net loans and leases to deposits | 68.6126% | 6,407 |
| Net loans and leases to core deposits | 107.3311% | 4,040 |
| Total domestic deposits to total assets | 78.3842% | 5,587 |
| Equity capital to assets | 10.4664% | 3,540 |
| Core capital (leverage) ratio | 11.0354% | 2,568 |
| Tier 1 risk-based capital ratio | 10.4434% | 6,269 |
| Total risk-based capital ratio | 10.8613% | 7,085 |
| Memoranda: | ||
| Average total assets | $153,046,400 | 3,843 |
| Average earning assets | $143,341,800 | 3,776 |
| Average equity | $17,797,200 | 3,590 |
| Average total loans | $84,865,000 | 4,369 |