Home > Mercer County State Bank > Performance and Condition Ratios
Mercer County State 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 | 4.4845% | 3,122 |
| Cost of funding earning assets | 1.0675% | 3,152 |
| Net interest margin | 3.4171% | 2,369 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.5795% | 2,073 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.9860% | 2,263 |
| Return on assets (ROA) | 0.9860% | 2,247 |
| Pretax return on assets | 1.1703% | 2,215 |
| Return on Equity (ROE) | 16.4200% | 1,033 |
| Retained earnings to average equity (ytd only) | 11.6123% | 681 |
| Net charge-offs to loans | 0.1551% | 671 |
| Credit loss provision to net charge-offs | 32.7869% | 2,267 |
| Earnings coverage of net charge-offs (x) | 12.1457% | 2,161 |
| Efficiency ratio | 68.1992% | 2,088 |
| Assets per employee ($millions) | 5.3422% | 3,358 |
| Cash dividends to net income (ytd only)* | 29.2719% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,216 |
| Loan loss allowance to noncurrent loans | 120.1705% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.5436% | 1,026 |
| Noncurrent loans to loans | 0.8482% | 902 |
| Net loans and leases to total assets | 63.4300% | 2,515 |
| Net loans and leases to deposits | 73.5985% | 2,645 |
| Net loans and leases to core deposits | 78.3081% | 2,815 |
| Total domestic deposits to total assets | 86.1900% | 1,956 |
| Equity capital to assets | 6.6496% | 4,065 |
| Core capital (leverage) ratio | 9.9388% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7655% | 1,603 |
| Memoranda: | ||
| Average total assets | $554,368,200 | 1,597 |
| Average earning assets | $514,214,600 | 1,592 |
| Average equity | $33,292,200 | 2,129 |
| Average total loans | $353,898,200 | 1,599 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 3,047 |
| Cost of funding earning assets | 1.0233% | 2,968 |
| Net interest margin | 3.4033% | 2,447 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.5796% | 2,004 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9687% | 2,453 |
| Return on assets (ROA) | 0.9687% | 2,449 |
| Pretax return on assets | 1.1487% | 2,423 |
| Return on Equity (ROE) | 16.5800% | 1,155 |
| Retained earnings to average equity (ytd only) | 12.4534% | 894 |
| Net charge-offs to loans | 0.1210% | 667 |
| Credit loss provision to net charge-offs | 62.5000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 15.5063% | 1,961 |
| Efficiency ratio | 68.3061% | 1,985 |
| Assets per employee ($millions) | 5.2742% | 3,371 |
| Cash dividends to net income (ytd only)* | 24.9004% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 2,884 |
| Loan loss allowance to noncurrent loans | 79.7920% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.8855% | 611 |
| Noncurrent loans to loans | 1.3737% | 553 |
| Net loans and leases to total assets | 63.7600% | 2,469 |
| Net loans and leases to deposits | 70.7924% | 2,790 |
| Net loans and leases to core deposits | 75.3063% | 2,914 |
| Total domestic deposits to total assets | 90.0600% | 922 |
| Equity capital to assets | 5.3347% | 4,186 |
| Core capital (leverage) ratio | 9.7106% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4477% | 1,437 |
| Memoranda: | ||
| Average total assets | $552,727,000 | 1,603 |
| Average earning assets | $513,220,750 | 1,588 |
| Average equity | $32,290,250 | 2,159 |
| Average total loans | $352,505,250 | 1,603 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3466% | 3,005 |
| Cost of funding earning assets | 0.9578% | 2,743 |
| Net interest margin | 3.3889% | 2,551 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.5563% | 2,044 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.9410% | 2,611 |
| Return on assets (ROA) | 0.9410% | 2,600 |
| Pretax return on assets | 1.1137% | 2,605 |
| Return on Equity (ROE) | 15.6500% | 1,330 |
| Retained earnings to average equity (ytd only) | 9.6308% | 1,504 |
| Net charge-offs to loans | 0.1892% | 423 |
| Credit loss provision to net charge-offs | 60.2410% | 1,626 |
| Earnings coverage of net charge-offs (x) | 9.8675% | 2,013 |
| Efficiency ratio | 68.3050% | 1,947 |
| Assets per employee ($millions) | 5.2809% | 3,338 |
| Cash dividends to net income (ytd only)* | 38.4763% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 2,937 |
| Loan loss allowance to noncurrent loans | 106.8474% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6746% | 779 |
| Noncurrent loans to loans | 1.0337% | 723 |
| Net loans and leases to total assets | 63.6000% | 2,422 |
| Net loans and leases to deposits | 71.3924% | 2,688 |
| Net loans and leases to core deposits | 75.9169% | 2,764 |
| Total domestic deposits to total assets | 89.0800% | 1,230 |
| Equity capital to assets | 5.9865% | 4,158 |
| Core capital (leverage) ratio | 9.4896% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7616% | 1,368 |
| Memoranda: | ||
| Average total assets | $552,371,333 | 1,601 |
| Average earning assets | $513,270,667 | 1,589 |
| Average equity | $33,206,000 | 2,134 |
| Average total loans | $351,011,000 | 1,597 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 2,986 |
| Cost of funding earning assets | 0.8917% | 2,397 |
| Net interest margin | 3.3345% | 2,783 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.5562% | 2,091 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.9062% | 2,836 |
| Return on assets (ROA) | 0.9062% | 2,792 |
| Pretax return on assets | 1.0687% | 2,800 |
| Return on Equity (ROE) | 15.0400% | 1,546 |
| Retained earnings to average equity (ytd only) | 15.0437% | 798 |
| Net charge-offs to loans | 0.0937% | 617 |
| Credit loss provision to net charge-offs | 146.3415% | 959 |
| Earnings coverage of net charge-offs (x) | 19.5122% | 1,464 |
| Efficiency ratio | 68.8716% | 1,877 |
| Assets per employee ($millions) | 5.5129% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 2,772 |
| Loan loss allowance to noncurrent loans | 111.3512% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 757 |
| Noncurrent loans to loans | 1.0410% | 700 |
| Net loans and leases to total assets | 62.3400% | 2,431 |
| Net loans and leases to deposits | 70.5992% | 2,563 |
| Net loans and leases to core deposits | 74.8381% | 2,613 |
| Total domestic deposits to total assets | 88.3000% | 1,817 |
| Equity capital to assets | 6.3103% | 4,102 |
| Core capital (leverage) ratio | 9.5517% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5067% | 1,485 |
| Memoranda: | ||
| Average total assets | $553,949,000 | 1,615 |
| Average earning assets | $514,972,500 | 1,607 |
| Average equity | $33,369,500 | 2,148 |
| Average total loans | $349,923,000 | 1,616 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 2,119 |
| Cost of funding earning assets | 0.3509% | 2,465 |
| Net interest margin | 3.5028% | 1,924 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.4894% | 2,154 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.0811% | 2,258 |
| Return on assets (ROA) | 1.0695% | 2,243 |
| Pretax return on assets | 1.2663% | 2,217 |
| Return on Equity (ROE) | 16.4400% | 971 |
| Retained earnings to average equity (ytd only) | 16.4394% | 204 |
| Net charge-offs to loans | 0.0215% | 1,645 |
| Credit loss provision to net charge-offs | 683.0986% | 550 |
| Earnings coverage of net charge-offs (x) | 106.2535% | 951 |
| Efficiency ratio | 64.5355% | 2,428 |
| Assets per employee ($millions) | 5.4564% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 2,515 |
| Loan loss allowance to noncurrent loans | 99.5865% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.7589% | 622 |
| Noncurrent loans to loans | 1.1791% | 598 |
| Net loans and leases to total assets | 62.5200% | 2,381 |
| Net loans and leases to deposits | 72.7305% | 2,350 |
| Net loans and leases to core deposits | 76.6955% | 2,373 |
| Total domestic deposits to total assets | 85.9700% | 2,733 |
| Equity capital to assets | 5.7346% | 4,173 |
| Core capital (leverage) ratio | 9.0235% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7789% | 1,413 |
| Memoranda: | ||
| Average total assets | $551,456,600 | 1,606 |
| Average earning assets | $514,980,800 | 1,591 |
| Average equity | $35,877,200 | 2,074 |
| Average total loans | $330,387,600 | 1,602 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 1,940 |
| Cost of funding earning assets | 0.2792% | 2,389 |
| Net interest margin | 3.4572% | 1,788 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.4060% | 2,301 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1047% | 2,065 |
| Return on assets (ROA) | 1.1047% | 2,036 |
| Pretax return on assets | 1.3109% | 2,011 |
| Return on Equity (ROE) | 16.4900% | 890 |
| Retained earnings to average equity (ytd only) | 16.4922% | 245 |
| Net charge-offs to loans | 0.0225% | 1,383 |
| Credit loss provision to net charge-offs | 754.5455% | 484 |
| Earnings coverage of net charge-offs (x) | 106.1455% | 923 |
| Efficiency ratio | 63.0296% | 2,681 |
| Assets per employee ($millions) | 5.4553% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 2,678 |
| Loan loss allowance to noncurrent loans | 100.1487% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7450% | 680 |
| Noncurrent loans to loans | 1.1718% | 628 |
| Net loans and leases to total assets | 61.7500% | 2,321 |
| Net loans and leases to deposits | 68.4111% | 2,503 |
| Net loans and leases to core deposits | 70.6718% | 2,590 |
| Total domestic deposits to total assets | 90.2600% | 1,546 |
| Equity capital to assets | 4.9782% | 4,301 |
| Core capital (leverage) ratio | 8.8977% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8462% | 1,473 |
| Memoranda: | ||
| Average total assets | $551,546,500 | 1,612 |
| Average earning assets | $516,246,500 | 1,598 |
| Average equity | $36,945,750 | 2,067 |
| Average total loans | $325,819,500 | 1,614 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6116% | 1,806 |
| Cost of funding earning assets | 0.2563% | 2,180 |
| Net interest margin | 3.3553% | 1,741 |
| Noninterest income to average assets | 0.5764% | 1,841 |
| Noninterest expense to average assets | 2.3232% | 2,483 |
| Loan and lease loss provision to assets | 0.0761% | 1,267 |
| Net operating income to assets | 1.1176% | 1,710 |
| Return on assets (ROA) | 1.1176% | 1,686 |
| Pretax return on assets | 1.3278% | 1,648 |
| Return on Equity (ROE) | 15.3697% | 819 |
| Retained earnings to average equity (ytd only) | 15.3697% | 237 |
| Net charge-offs to loans | 0.0300% | 1,129 |
| Credit loss provision to net charge-offs | 437.5000% | 668 |
| Earnings coverage of net charge-offs (x) | 80.6875% | 927 |
| Efficiency ratio | 62.3322% | 3,005 |
| Assets per employee ($millions) | 5.4128% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 2,964 |
| Loan loss allowance to noncurrent loans | 143.5888% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 1,136 |
| Noncurrent loans to loans | 0.7962% | 1,079 |
| Net loans and leases to total assets | 60.1545% | 2,310 |
| Net loans and leases to deposits | 69.1618% | 2,289 |
| Net loans and leases to core deposits | 71.5333% | 2,374 |
| Total domestic deposits to total assets | 86.9764% | 2,946 |
| Equity capital to assets | 5.8588% | 4,249 |
| Core capital (leverage) ratio | 8.8980% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9416% | 1,719 |
| Memoranda: | ||
| Average total assets | $551,733,333 | 1,620 |
| Average earning assets | $518,110,667 | 1,614 |
| Average equity | $40,118,000 | 1,984 |
| Average total loans | $319,674,667 | 1,634 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4699% | 1,894 |
| Cost of funding earning assets | 0.2571% | 2,073 |
| Net interest margin | 3.2128% | 1,845 |
| Noninterest income to average assets | 0.5816% | 1,775 |
| Noninterest expense to average assets | 2.3244% | 2,407 |
| Loan and lease loss provision to assets | 0.0761% | 1,078 |
| Net operating income to assets | 1.0211% | 1,794 |
| Return on assets (ROA) | 1.0211% | 1,783 |
| Pretax return on assets | 1.2082% | 1,783 |
| Return on Equity (ROE) | 12.7990% | 1,087 |
| Retained earnings to average equity (ytd only) | 12.7990% | 489 |
| Net charge-offs to loans | 0.0642% | 687 |
| Credit loss provision to net charge-offs | 210.0000% | 762 |
| Earnings coverage of net charge-offs (x) | 35.4200% | 1,064 |
| Efficiency ratio | 64.4092% | 2,979 |
| Assets per employee ($millions) | 5.5413% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,916 |
| Loan loss allowance to noncurrent loans | 111.0648% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 951 |
| Noncurrent loans to loans | 1.0702% | 841 |
| Net loans and leases to total assets | 56.5818% | 2,471 |
| Net loans and leases to deposits | 63.8131% | 2,549 |
| Net loans and leases to core deposits | 66.4748% | 2,586 |
| Total domestic deposits to total assets | 88.6681% | 2,221 |
| Equity capital to assets | 7.1816% | 4,111 |
| Core capital (leverage) ratio | 9.0242% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7472% | 1,572 |
| Memoranda: | ||
| Average total assets | $551,546,500 | 1,630 |
| Average earning assets | $519,673,000 | 1,615 |
| Average equity | $44,003,500 | 1,918 |
| Average total loans | $311,533,000 | 1,654 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 1,865 |
| Cost of funding earning assets | 0.3550% | 1,895 |
| Net interest margin | 3.4454% | 1,889 |
| Noninterest income to average assets | 0.6173% | 2,087 |
| Noninterest expense to average assets | 2.4773% | 2,251 |
| Loan and lease loss provision to assets | 0.0710% | 1,665 |
| Net operating income to assets | 1.1051% | 2,279 |
| Return on assets (ROA) | 1.1078% | 2,326 |
| Pretax return on assets | 1.3156% | 2,312 |
| Return on Equity (ROE) | 12.0861% | 1,785 |
| Retained earnings to average equity (ytd only) | 8.9855% | 1,211 |
| Net charge-offs to loans | 0.0071% | 2,312 |
| Credit loss provision to net charge-offs | 1,704.5455% | 351 |
| Earnings coverage of net charge-offs (x) | 331.9091% | 375 |
| Efficiency ratio | 64.1655% | 2,540 |
| Assets per employee ($millions) | 5.5450% | 3,217 |
| Cash dividends to net income (ytd only)* | 25.6542% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,925 |
| Loan loss allowance to noncurrent loans | 111.2152% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5966% | 1,102 |
| Noncurrent loans to loans | 1.0708% | 905 |
| Net loans and leases to total assets | 55.0494% | 2,727 |
| Net loans and leases to deposits | 63.3184% | 2,750 |
| Net loans and leases to core deposits | 66.0526% | 2,814 |
| Total domestic deposits to total assets | 86.9407% | 2,545 |
| Equity capital to assets | 8.7663% | 3,832 |
| Core capital (leverage) ratio | 8.4815% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7284% | 1,608 |
| Memoranda: | ||
| Average total assets | $527,801,600 | 1,629 |
| Average earning assets | $496,862,400 | 1,614 |
| Average equity | $48,377,800 | 1,809 |
| Average total loans | $311,558,200 | 1,659 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8256% | 1,963 |
| Cost of funding earning assets | 0.3807% | 1,849 |
| Net interest margin | 3.4449% | 2,026 |
| Noninterest income to average assets | 0.6261% | 2,113 |
| Noninterest expense to average assets | 2.3996% | 2,442 |
| Loan and lease loss provision to assets | 0.0691% | 1,627 |
| Net operating income to assets | 1.1700% | 2,277 |
| Return on assets (ROA) | 1.1700% | 2,337 |
| Pretax return on assets | 1.3964% | 2,347 |
| Return on Equity (ROE) | 12.6183% | 1,825 |
| Retained earnings to average equity (ytd only) | 11.2387% | 1,003 |
| Net charge-offs to loans | 0.0060% | 2,100 |
| Credit loss provision to net charge-offs | 1,928.5714% | 336 |
| Earnings coverage of net charge-offs (x) | 409.1429% | 348 |
| Efficiency ratio | 62.0838% | 2,685 |
| Assets per employee ($millions) | 5.4207% | 3,284 |
| Cash dividends to net income (ytd only)* | 10.9337% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 3,234 |
| Loan loss allowance to noncurrent loans | 141.5251% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 1,669 |
| Noncurrent loans to loans | 0.8080% | 1,408 |
| Net loans and leases to total assets | 55.4597% | 2,795 |
| Net loans and leases to deposits | 64.3893% | 2,808 |
| Net loans and leases to core deposits | 67.3386% | 2,831 |
| Total domestic deposits to total assets | 86.1319% | 2,697 |
| Equity capital to assets | 8.9334% | 3,892 |
| Core capital (leverage) ratio | 8.5458% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $521,127,000 | 1,659 |
| Average earning assets | $489,982,750 | 1,649 |
| Average equity | $48,320,000 | 1,832 |
| Average total loans | $312,215,750 | 1,682 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 2,007 |
| Cost of funding earning assets | 0.4072% | 1,824 |
| Net interest margin | 3.4168% | 2,088 |
| Noninterest income to average assets | 0.6416% | 2,033 |
| Noninterest expense to average assets | 2.3950% | 2,482 |
| Loan and lease loss provision to assets | 0.0708% | 1,639 |
| Net operating income to assets | 1.1617% | 2,327 |
| Return on assets (ROA) | 1.1617% | 2,386 |
| Pretax return on assets | 1.3854% | 2,378 |
| Return on Equity (ROE) | 12.3638% | 1,925 |
| Retained earnings to average equity (ytd only) | 10.2718% | 1,319 |
| Net charge-offs to loans | 0.0026% | 2,105 |
| Credit loss provision to net charge-offs | 4,500.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 926.0000% | 143 |
| Efficiency ratio | 62.1886% | 2,702 |
| Assets per employee ($millions) | 5.1328% | 3,529 |
| Cash dividends to net income (ytd only)* | 16.9205% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 3,379 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 2,298 |
| Noncurrent loans to loans | 0.5540% | 2,013 |
| Net loans and leases to total assets | 57.9956% | 2,672 |
| Net loans and leases to deposits | 67.7482% | 2,643 |
| Net loans and leases to core deposits | 70.6239% | 2,721 |
| Total domestic deposits to total assets | 85.6045% | 2,874 |
| Equity capital to assets | 9.0398% | 3,760 |
| Core capital (leverage) ratio | 8.5931% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $508,725,000 | 1,680 |
| Average earning assets | $477,877,333 | 1,675 |
| Average equity | $47,800,667 | 1,838 |
| Average total loans | $311,877,000 | 1,692 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 1,851 |
| Cost of funding earning assets | 0.4426% | 1,777 |
| Net interest margin | 3.4485% | 1,964 |
| Noninterest income to average assets | 0.6345% | 2,076 |
| Noninterest expense to average assets | 2.4481% | 2,330 |
| Loan and lease loss provision to assets | 0.0729% | 1,717 |
| Net operating income to assets | 1.1304% | 2,385 |
| Return on assets (ROA) | 1.1304% | 2,460 |
| Pretax return on assets | 1.3460% | 2,444 |
| Return on Equity (ROE) | 11.7868% | 2,096 |
| Retained earnings to average equity (ytd only) | 11.7868% | 1,206 |
| Net charge-offs to loans | 0.0155% | 1,433 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 145.9167% | 498 |
| Efficiency ratio | 63.3068% | 2,563 |
| Assets per employee ($millions) | 5.1177% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 3,497 |
| Loan loss allowance to noncurrent loans | 121.9198% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5456% | 1,738 |
| Noncurrent loans to loans | 0.8919% | 1,519 |
| Net loans and leases to total assets | 60.5063% | 2,480 |
| Net loans and leases to deposits | 70.9206% | 2,426 |
| Net loans and leases to core deposits | 73.7982% | 2,530 |
| Total domestic deposits to total assets | 85.3155% | 2,994 |
| Equity capital to assets | 9.2608% | 3,434 |
| Core capital (leverage) ratio | 9.0790% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $493,613,500 | 1,720 |
| Average earning assets | $462,699,500 | 1,709 |
| Average equity | $47,341,000 | 1,844 |
| Average total loans | $309,781,500 | 1,698 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 2,023 |
| Cost of funding earning assets | 0.6585% | 1,941 |
| Net interest margin | 3.5840% | 2,197 |
| Noninterest income to average assets | 0.6798% | 1,928 |
| Noninterest expense to average assets | 2.7388% | 2,121 |
| Loan and lease loss provision to assets | 0.0494% | 3,773 |
| Net operating income to assets | 1.0145% | 2,243 |
| Return on assets (ROA) | 1.0585% | 2,208 |
| Pretax return on assets | 1.2350% | 2,207 |
| Return on Equity (ROE) | 10.6216% | 1,768 |
| Retained earnings to average equity (ytd only) | 6.2152% | 1,699 |
| Net charge-offs to loans | 0.0256% | 2,523 |
| Credit loss provision to net charge-offs | 300.0000% | 1,727 |
| Earnings coverage of net charge-offs (x) | 74.8933% | 935 |
| Efficiency ratio | 68.9514% | 2,106 |
| Assets per employee ($millions) | 4.8516% | 3,549 |
| Cash dividends to net income (ytd only)* | 41.4852% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 3,531 |
| Loan loss allowance to noncurrent loans | 170.4254% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.4103% | 2,356 |
| Noncurrent loans to loans | 0.6365% | 2,094 |
| Net loans and leases to total assets | 63.7662% | 2,391 |
| Net loans and leases to deposits | 75.7833% | 2,302 |
| Net loans and leases to core deposits | 78.0525% | 2,542 |
| Total domestic deposits to total assets | 84.1428% | 3,069 |
| Equity capital to assets | 9.9458% | 3,180 |
| Core capital (leverage) ratio | 9.0699% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $455,454,800 | 1,684 |
| Average earning assets | $418,386,000 | 1,702 |
| Average equity | $45,388,600 | 1,836 |
| Average total loans | $292,503,000 | 1,711 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2879% | 2,136 |
| Cost of funding earning assets | 0.7016% | 2,015 |
| Net interest margin | 3.5863% | 2,318 |
| Noninterest income to average assets | 0.6902% | 1,829 |
| Noninterest expense to average assets | 2.6790% | 2,312 |
| Loan and lease loss provision to assets | 0.0444% | 3,801 |
| Net operating income to assets | 1.0650% | 2,092 |
| Return on assets (ROA) | 1.1206% | 2,032 |
| Pretax return on assets | 1.3109% | 2,006 |
| Return on Equity (ROE) | 11.2390% | 1,611 |
| Retained earnings to average equity (ytd only) | 9.0126% | 974 |
| Net charge-offs to loans | 0.0337% | 2,153 |
| Credit loss provision to net charge-offs | 205.4795% | 2,097 |
| Earnings coverage of net charge-offs (x) | 59.6986% | 1,102 |
| Efficiency ratio | 67.4994% | 2,248 |
| Assets per employee ($millions) | 4.9436% | 3,323 |
| Cash dividends to net income (ytd only)* | 19.8098% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 3,466 |
| Loan loss allowance to noncurrent loans | 138.7372% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 2,228 |
| Noncurrent loans to loans | 0.7560% | 1,916 |
| Net loans and leases to total assets | 64.6476% | 2,683 |
| Net loans and leases to deposits | 76.8291% | 2,675 |
| Net loans and leases to core deposits | 79.2073% | 2,910 |
| Total domestic deposits to total assets | 84.1446% | 2,770 |
| Equity capital to assets | 9.9934% | 3,230 |
| Core capital (leverage) ratio | 9.0928% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $450,454,250 | 1,674 |
| Average earning assets | $411,818,250 | 1,702 |
| Average equity | $44,913,750 | 1,843 |
| Average total loans | $289,002,250 | 1,726 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 2,257 |
| Cost of funding earning assets | 0.7567% | 2,072 |
| Net interest margin | 3.6230% | 2,406 |
| Noninterest income to average assets | 0.5773% | 2,221 |
| Noninterest expense to average assets | 2.7359% | 2,270 |
| Loan and lease loss provision to assets | 0.0339% | 3,839 |
| Net operating income to assets | 0.9435% | 2,524 |
| Return on assets (ROA) | 1.0257% | 2,363 |
| Pretax return on assets | 1.2070% | 2,343 |
| Return on Equity (ROE) | 10.2959% | 1,886 |
| Retained earnings to average equity (ytd only) | 6.8926% | 1,704 |
| Net charge-offs to loans | 0.0461% | 1,827 |
| Credit loss provision to net charge-offs | 115.3846% | 2,308 |
| Earnings coverage of net charge-offs (x) | 38.9385% | 1,266 |
| Efficiency ratio | 70.5115% | 1,887 |
| Assets per employee ($millions) | 4.9597% | 3,216 |
| Cash dividends to net income (ytd only)* | 33.0542% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 3,325 |
| Loan loss allowance to noncurrent loans | 145.5667% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 2,464 |
| Noncurrent loans to loans | 0.7205% | 2,074 |
| Net loans and leases to total assets | 63.7749% | 2,909 |
| Net loans and leases to deposits | 76.2326% | 2,836 |
| Net loans and leases to core deposits | 78.7852% | 3,043 |
| Total domestic deposits to total assets | 83.6582% | 2,865 |
| Equity capital to assets | 9.7527% | 3,423 |
| Core capital (leverage) ratio | 8.9952% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $442,411,000 | 1,676 |
| Average earning assets | $403,315,000 | 1,703 |
| Average equity | $44,076,000 | 1,855 |
| Average total loans | $281,983,333 | 1,740 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4585% | 2,427 |
| Cost of funding earning assets | 0.8178% | 2,291 |
| Net interest margin | 3.6407% | 2,538 |
| Noninterest income to average assets | 0.7121% | 1,608 |
| Noninterest expense to average assets | 2.9475% | 2,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9398% | 2,377 |
| Return on assets (ROA) | 0.9439% | 2,471 |
| Pretax return on assets | 1.1018% | 2,518 |
| Return on Equity (ROE) | 9.3653% | 1,970 |
| Retained earnings to average equity (ytd only) | 9.3653% | 878 |
| Net charge-offs to loans | 0.0280% | 1,815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 61.7895% | 793 |
| Efficiency ratio | 72.8743% | 1,954 |
| Assets per employee ($millions) | 4.4706% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 2,982 |
| Loan loss allowance to noncurrent loans | 124.3499% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 2,223 |
| Noncurrent loans to loans | 0.9177% | 1,785 |
| Net loans and leases to total assets | 63.7056% | 3,100 |
| Net loans and leases to deposits | 77.1871% | 2,953 |
| Net loans and leases to core deposits | 79.9907% | 3,197 |
| Total domestic deposits to total assets | 82.5340% | 3,255 |
| Equity capital to assets | 10.0256% | 3,759 |
| Core capital (leverage) ratio | 9.6701% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $428,030,000 | 1,680 |
| Average earning assets | $391,793,500 | 1,696 |
| Average equity | $43,138,000 | 1,876 |
| Average total loans | $271,137,500 | 1,753 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 3,438 |
| Cost of funding earning assets | 0.8257% | 2,552 |
| Net interest margin | 3.5104% | 3,415 |
| Noninterest income to average assets | 0.7204% | 1,742 |
| Noninterest expense to average assets | 2.8406% | 2,473 |
| Loan and lease loss provision to assets | 0.0751% | 2,492 |
| Net operating income to assets | 0.9061% | 3,187 |
| Return on assets (ROA) | 0.9077% | 3,269 |
| Pretax return on assets | 1.0526% | 3,322 |
| Return on Equity (ROE) | 8.9512% | 2,775 |
| Retained earnings to average equity (ytd only) | 0.2562% | 4,617 |
| Net charge-offs to loans | 0.0050% | 3,494 |
| Credit loss provision to net charge-offs | 2,423.0769% | 160 |
| Earnings coverage of net charge-offs (x) | 363.3846% | 245 |
| Efficiency ratio | 71.6174% | 1,926 |
| Assets per employee ($millions) | 4.4466% | 3,306 |
| Cash dividends to net income (ytd only)* | 97.1384% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,460 |
| Loan loss allowance to noncurrent loans | 58.2890% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.2760% | 878 |
| Noncurrent loans to loans | 2.0500% | 620 |
| Net loans and leases to total assets | 61.5002% | 3,451 |
| Net loans and leases to deposits | 74.2889% | 3,325 |
| Net loans and leases to core deposits | 77.3465% | 3,491 |
| Total domestic deposits to total assets | 82.7852% | 3,275 |
| Equity capital to assets | 10.1312% | 3,805 |
| Core capital (leverage) ratio | 9.2700% | 4,309 |
| Tier 1 risk-based capital ratio | 15.0204% | 2,771 |
| Total risk-based capital ratio | 16.2106% | 2,732 |
| Memoranda: | ||
| Average total assets | $419,632,800 | 1,670 |
| Average earning assets | $388,015,400 | 1,674 |
| Average equity | $42,552,800 | 1,833 |
| Average total loans | $259,076,000 | 1,780 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3553% | 3,500 |
| Cost of funding earning assets | 0.8152% | 2,636 |
| Net interest margin | 3.5402% | 3,438 |
| Noninterest income to average assets | 0.7288% | 1,670 |
| Noninterest expense to average assets | 2.8027% | 2,554 |
| Loan and lease loss provision to assets | 0.1005% | 1,911 |
| Net operating income to assets | 0.9389% | 3,212 |
| Return on assets (ROA) | 0.9395% | 3,276 |
| Pretax return on assets | 1.0968% | 3,303 |
| Return on Equity (ROE) | 9.2622% | 2,774 |
| Retained earnings to average equity (ytd only) | 3.9138% | 3,446 |
| Net charge-offs to loans | -0.0016% | 4,036 |
| Credit loss provision to net charge-offs | -10,500.0000% | 4,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0790% | 2,101 |
| Assets per employee ($millions) | 4.3738% | 3,375 |
| Cash dividends to net income (ytd only)* | 57.7445% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 2,452 |
| Loan loss allowance to noncurrent loans | 222.6797% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 3,232 |
| Noncurrent loans to loans | 0.5439% | 2,666 |
| Net loans and leases to total assets | 59.5081% | 3,724 |
| Net loans and leases to deposits | 71.3568% | 3,653 |
| Net loans and leases to core deposits | 74.1215% | 3,819 |
| Total domestic deposits to total assets | 83.3951% | 3,026 |
| Equity capital to assets | 10.1878% | 3,837 |
| Core capital (leverage) ratio | 9.6513% | 4,023 |
| Tier 1 risk-based capital ratio | 14.9968% | 2,849 |
| Total risk-based capital ratio | 16.1582% | 2,824 |
| Memoranda: | ||
| Average total assets | $417,821,500 | 1,688 |
| Average earning assets | $385,998,750 | 1,695 |
| Average equity | $42,379,000 | 1,847 |
| Average total loans | $257,418,500 | 1,801 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 3,455 |
| Cost of funding earning assets | 0.8004% | 2,641 |
| Net interest margin | 3.5593% | 3,406 |
| Noninterest income to average assets | 0.6550% | 1,895 |
| Noninterest expense to average assets | 2.7975% | 2,595 |
| Loan and lease loss provision to assets | 0.1021% | 1,831 |
| Net operating income to assets | 0.9017% | 3,272 |
| Return on assets (ROA) | 0.9025% | 3,339 |
| Pretax return on assets | 1.0411% | 3,412 |
| Return on Equity (ROE) | 8.9119% | 2,892 |
| Retained earnings to average equity (ytd only) | 0.7491% | 4,499 |
| Net charge-offs to loans | -0.0078% | 4,248 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0072% | 2,067 |
| Assets per employee ($millions) | 4.1960% | 3,578 |
| Cash dividends to net income (ytd only)* | 91.5948% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,595 |
| Loan loss allowance to noncurrent loans | 170.9784% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 2,633 |
| Noncurrent loans to loans | 0.6945% | 2,235 |
| Net loans and leases to total assets | 61.3354% | 3,617 |
| Net loans and leases to deposits | 75.3504% | 3,384 |
| Net loans and leases to core deposits | 78.1514% | 3,565 |
| Total domestic deposits to total assets | 81.4003% | 3,693 |
| Equity capital to assets | 10.2077% | 3,789 |
| Core capital (leverage) ratio | 9.5743% | 4,077 |
| Tier 1 risk-based capital ratio | 14.8690% | 2,889 |
| Total risk-based capital ratio | 16.0236% | 2,860 |
| Memoranda: | ||
| Average total assets | $411,300,670 | 1,715 |
| Average earning assets | $379,566,670 | 1,727 |
| Average equity | $41,652,000 | 1,870 |
| Average total loans | $255,401,330 | 1,820 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3146% | 3,515 |
| Cost of funding earning assets | 0.7788% | 2,643 |
| Net interest margin | 3.5359% | 3,477 |
| Noninterest income to average assets | 0.6209% | 1,954 |
| Noninterest expense to average assets | 2.7990% | 2,571 |
| Loan and lease loss provision to assets | 0.1032% | 1,708 |
| Net operating income to assets | 0.8547% | 3,431 |
| Return on assets (ROA) | 0.8547% | 3,473 |
| Pretax return on assets | 0.9795% | 3,511 |
| Return on Equity (ROE) | 8.4750% | 3,052 |
| Retained earnings to average equity (ytd only) | 8.4750% | 1,500 |
| Net charge-offs to loans | 0.0332% | 1,792 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 52.4762% | 995 |
| Efficiency ratio | 72.1083% | 2,028 |
| Assets per employee ($millions) | 4.1019% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,775 |
| Loan loss allowance to noncurrent loans | 206.6387% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 3,005 |
| Noncurrent loans to loans | 0.5631% | 2,635 |
| Net loans and leases to total assets | 61.2383% | 3,575 |
| Net loans and leases to deposits | 74.0103% | 3,451 |
| Net loans and leases to core deposits | 76.5779% | 3,621 |
| Total domestic deposits to total assets | 82.7429% | 3,487 |
| Equity capital to assets | 10.3291% | 3,499 |
| Core capital (leverage) ratio | 10.1333% | 3,450 |
| Tier 1 risk-based capital ratio | 15.7222% | 2,560 |
| Total risk-based capital ratio | 16.8687% | 2,528 |
| Memoranda: | ||
| Average total assets | $407,149,000 | 1,745 |
| Average earning assets | $375,466,000 | 1,749 |
| Average equity | $41,062,000 | 1,889 |
| Average total loans | $252,872,500 | 1,844 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 3,379 |
| Cost of funding earning assets | 0.6967% | 2,111 |
| Net interest margin | 3.5265% | 3,613 |
| Noninterest income to average assets | 0.7119% | 1,805 |
| Noninterest expense to average assets | 2.8456% | 2,531 |
| Loan and lease loss provision to assets | 0.1082% | 2,033 |
| Net operating income to assets | 0.8887% | 3,469 |
| Return on assets (ROA) | 0.8681% | 3,541 |
| Pretax return on assets | 0.9868% | 3,652 |
| Return on Equity (ROE) | 8.7525% | 3,121 |
| Retained earnings to average equity (ytd only) | 0.7273% | 4,791 |
| Net charge-offs to loans | 0.0609% | 2,259 |
| Credit loss provision to net charge-offs | 291.9463% | 1,049 |
| Earnings coverage of net charge-offs (x) | 30.1745% | 1,594 |
| Efficiency ratio | 71.7871% | 1,935 |
| Assets per employee ($millions) | 4.0411% | 3,843 |
| Cash dividends to net income (ytd only)* | 91.6905% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 2,871 |
| Loan loss allowance to noncurrent loans | 177.6747% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 2,820 |
| Noncurrent loans to loans | 0.6427% | 2,379 |
| Net loans and leases to total assets | 61.5483% | 3,613 |
| Net loans and leases to deposits | 73.9658% | 3,505 |
| Net loans and leases to core deposits | 76.1873% | 3,701 |
| Total domestic deposits to total assets | 83.2119% | 3,257 |
| Equity capital to assets | 9.8377% | 3,828 |
| Core capital (leverage) ratio | 9.9264% | 3,671 |
| Tier 1 risk-based capital ratio | 15.3259% | 2,686 |
| Total risk-based capital ratio | 16.4356% | 2,680 |
| Memoranda: | ||
| Average total assets | $402,018,200 | 1,708 |
| Average earning assets | $370,731,800 | 1,720 |
| Average equity | $39,874,400 | 1,871 |
| Average total loans | $244,547,400 | 1,858 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 3,482 |
| Cost of funding earning assets | 0.6679% | 2,046 |
| Net interest margin | 3.4761% | 3,777 |
| Noninterest income to average assets | 0.7017% | 1,854 |
| Noninterest expense to average assets | 2.8536% | 2,447 |
| Loan and lease loss provision to assets | 0.0897% | 2,184 |
| Net operating income to assets | 0.8450% | 3,756 |
| Return on assets (ROA) | 0.8571% | 3,713 |
| Pretax return on assets | 0.9800% | 3,776 |
| Return on Equity (ROE) | 8.6238% | 3,278 |
| Retained earnings to average equity (ytd only) | 3.6119% | 3,961 |
| Net charge-offs to loans | 0.0483% | 2,137 |
| Credit loss provision to net charge-offs | 306.8182% | 1,008 |
| Earnings coverage of net charge-offs (x) | 36.1251% | 1,431 |
| Efficiency ratio | 72.9952% | 1,730 |
| Assets per employee ($millions) | 4.2600% | 3,494 |
| Cash dividends to net income (ytd only)* | 58.1170% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,182 |
| Loan loss allowance to noncurrent loans | 126.0355% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 2,297 |
| Noncurrent loans to loans | 0.8740% | 1,955 |
| Net loans and leases to total assets | 60.7860% | 3,767 |
| Net loans and leases to deposits | 72.6978% | 3,707 |
| Net loans and leases to core deposits | 74.8376% | 3,890 |
| Total domestic deposits to total assets | 83.6146% | 3,080 |
| Equity capital to assets | 9.5936% | 4,001 |
| Core capital (leverage) ratio | 10.1780% | 3,433 |
| Tier 1 risk-based capital ratio | 15.5517% | 2,625 |
| Total risk-based capital ratio | 16.6158% | 2,640 |
| Memoranda: | ||
| Average total assets | $401,496,000 | 1,713 |
| Average earning assets | $370,477,500 | 1,725 |
| Average equity | $39,904,250 | 1,860 |
| Average total loans | $242,785,750 | 1,872 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 3,448 |
| Cost of funding earning assets | 0.6445% | 1,964 |
| Net interest margin | 3.4548% | 3,784 |
| Noninterest income to average assets | 0.7158% | 1,813 |
| Noninterest expense to average assets | 2.9042% | 2,348 |
| Loan and lease loss provision to assets | 0.0902% | 2,122 |
| Net operating income to assets | 0.8027% | 3,847 |
| Return on assets (ROA) | 0.8225% | 3,787 |
| Pretax return on assets | 0.9333% | 3,866 |
| Return on Equity (ROE) | 8.1789% | 3,428 |
| Retained earnings to average equity (ytd only) | 0.7028% | 4,823 |
| Net charge-offs to loans | 0.0575% | 1,781 |
| Credit loss provision to net charge-offs | 260.8696% | 1,108 |
| Earnings coverage of net charge-offs (x) | 28.9420% | 1,541 |
| Efficiency ratio | 74.3679% | 1,655 |
| Assets per employee ($millions) | 3.9754% | 3,940 |
| Cash dividends to net income (ytd only)* | 91.4077% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 3,307 |
| Loan loss allowance to noncurrent loans | 185.1750% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 2,827 |
| Noncurrent loans to loans | 0.5901% | 2,646 |
| Net loans and leases to total assets | 60.2252% | 3,784 |
| Net loans and leases to deposits | 74.5410% | 3,483 |
| Net loans and leases to core deposits | 76.6863% | 3,686 |
| Total domestic deposits to total assets | 80.7947% | 4,058 |
| Equity capital to assets | 9.6753% | 3,940 |
| Core capital (leverage) ratio | 10.0148% | 3,560 |
| Tier 1 risk-based capital ratio | 14.5725% | 3,085 |
| Total risk-based capital ratio | 15.5672% | 3,121 |
| Memoranda: | ||
| Average total assets | $399,007,670 | 1,733 |
| Average earning assets | $368,359,670 | 1,742 |
| Average equity | $40,127,670 | 1,856 |
| Average total loans | $239,927,670 | 1,886 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0612% | 3,367 |
| Cost of funding earning assets | 0.6384% | 1,786 |
| Net interest margin | 3.4228% | 3,810 |
| Noninterest income to average assets | 0.7651% | 1,568 |
| Noninterest expense to average assets | 2.9583% | 2,182 |
| Loan and lease loss provision to assets | 0.0910% | 1,986 |
| Net operating income to assets | 0.7735% | 3,819 |
| Return on assets (ROA) | 0.8126% | 3,666 |
| Pretax return on assets | 0.9248% | 3,768 |
| Return on Equity (ROE) | 7.9260% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.9260% | 1,866 |
| Net charge-offs to loans | 0.0254% | 1,997 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 64.0667% | 810 |
| Efficiency ratio | 75.2829% | 1,707 |
| Assets per employee ($millions) | 3.8245% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 3,246 |
| Loan loss allowance to noncurrent loans | 153.5179% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 2,616 |
| Noncurrent loans to loans | 0.7311% | 2,384 |
| Net loans and leases to total assets | 59.5297% | 3,794 |
| Net loans and leases to deposits | 71.9591% | 3,603 |
| Net loans and leases to core deposits | 74.1533% | 3,815 |
| Total domestic deposits to total assets | 82.7271% | 3,750 |
| Equity capital to assets | 10.1951% | 3,400 |
| Core capital (leverage) ratio | 10.2701% | 3,219 |
| Tier 1 risk-based capital ratio | 15.5588% | 2,643 |
| Total risk-based capital ratio | 16.5892% | 2,662 |
| Memoranda: | ||
| Average total assets | $395,767,500 | 1,757 |
| Average earning assets | $365,904,500 | 1,761 |
| Average equity | $40,575,500 | 1,848 |
| Average total loans | $236,439,500 | 1,918 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 3,491 |
| Cost of funding earning assets | 0.5517% | 1,936 |
| Net interest margin | 3.4238% | 3,772 |
| Noninterest income to average assets | 0.7737% | 1,672 |
| Noninterest expense to average assets | 2.9704% | 2,247 |
| Loan and lease loss provision to assets | 0.1032% | 2,162 |
| Net operating income to assets | 0.6845% | 3,662 |
| Return on assets (ROA) | 0.7239% | 3,542 |
| Pretax return on assets | 0.9151% | 3,859 |
| Return on Equity (ROE) | 6.8289% | 3,363 |
| Retained earnings to average equity (ytd only) | 2.4872% | 3,841 |
| Net charge-offs to loans | 0.2162% | 1,200 |
| Credit loss provision to net charge-offs | 80.4829% | 2,935 |
| Earnings coverage of net charge-offs (x) | 7.5533% | 3,027 |
| Efficiency ratio | 75.4126% | 1,704 |
| Assets per employee ($millions) | 3.8232% | 4,246 |
| Cash dividends to net income (ytd only)* | 63.5780% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 3,374 |
| Loan loss allowance to noncurrent loans | 116.1131% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 2,495 |
| Noncurrent loans to loans | 0.9452% | 1,881 |
| Net loans and leases to total assets | 58.6323% | 3,956 |
| Net loans and leases to deposits | 71.4423% | 3,746 |
| Net loans and leases to core deposits | 74.6421% | 3,834 |
| Total domestic deposits to total assets | 82.0695% | 3,856 |
| Equity capital to assets | 10.3090% | 3,380 |
| Core capital (leverage) ratio | 9.9806% | 3,483 |
| Tier 1 risk-based capital ratio | 14.8142% | 2,920 |
| Total risk-based capital ratio | 15.7898% | 2,991 |
| Memoranda: | ||
| Average total assets | $387,627,000 | 1,765 |
| Average earning assets | $358,340,800 | 1,762 |
| Average equity | $41,090,000 | 1,815 |
| Average total loans | $229,867,800 | 1,937 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 3,514 |
| Cost of funding earning assets | 0.5378% | 1,971 |
| Net interest margin | 3.4144% | 3,799 |
| Noninterest income to average assets | 0.7658% | 1,710 |
| Noninterest expense to average assets | 2.9537% | 2,240 |
| Loan and lease loss provision to assets | 0.0865% | 2,357 |
| Net operating income to assets | 0.7189% | 3,875 |
| Return on assets (ROA) | 0.7436% | 3,831 |
| Pretax return on assets | 0.9119% | 3,998 |
| Return on Equity (ROE) | 6.9657% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.1809% | 2,123 |
| Net charge-offs to loans | 0.0455% | 2,531 |
| Credit loss provision to net charge-offs | 320.5128% | 935 |
| Earnings coverage of net charge-offs (x) | 35.8581% | 1,402 |
| Efficiency ratio | 75.3111% | 1,691 |
| Assets per employee ($millions) | 3.7468% | 4,381 |
| Cash dividends to net income (ytd only)* | 11.2663% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,763 |
| Loan loss allowance to noncurrent loans | 91.9215% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8551% | 2,015 |
| Noncurrent loans to loans | 1.3346% | 1,426 |
| Net loans and leases to total assets | 57.8969% | 4,067 |
| Net loans and leases to deposits | 70.8479% | 3,891 |
| Net loans and leases to core deposits | 73.5117% | 4,021 |
| Total domestic deposits to total assets | 81.7200% | 3,861 |
| Equity capital to assets | 10.7372% | 3,129 |
| Core capital (leverage) ratio | 10.2988% | 3,204 |
| Tier 1 risk-based capital ratio | 15.3765% | 2,760 |
| Total risk-based capital ratio | 16.4698% | 2,758 |
| Memoranda: | ||
| Average total assets | $385,130,750 | 1,786 |
| Average earning assets | $356,015,000 | 1,792 |
| Average equity | $41,115,000 | 1,828 |
| Average total loans | $228,405,750 | 1,955 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9267% | 3,460 |
| Cost of funding earning assets | 0.5230% | 1,981 |
| Net interest margin | 3.4037% | 3,759 |
| Noninterest income to average assets | 0.7389% | 1,818 |
| Noninterest expense to average assets | 2.9712% | 2,191 |
| Loan and lease loss provision to assets | 0.0525% | 2,935 |
| Net operating income to assets | 0.7076% | 3,815 |
| Return on assets (ROA) | 0.7457% | 3,710 |
| Pretax return on assets | 0.9136% | 3,888 |
| Return on Equity (ROE) | 6.9991% | 3,554 |
| Retained earnings to average equity (ytd only) | 5.8071% | 2,227 |
| Net charge-offs to loans | 0.0159% | 2,931 |
| Credit loss provision to net charge-offs | 555.5556% | 602 |
| Earnings coverage of net charge-offs (x) | 97.3889% | 666 |
| Efficiency ratio | 76.3587% | 1,663 |
| Assets per employee ($millions) | 3.8643% | 4,178 |
| Cash dividends to net income (ytd only)* | 17.0303% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 3,039 |
| Loan loss allowance to noncurrent loans | 75.7186% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 1,799 |
| Noncurrent loans to loans | 1.5795% | 1,177 |
| Net loans and leases to total assets | 58.5490% | 3,971 |
| Net loans and leases to deposits | 72.5892% | 3,680 |
| Net loans and leases to core deposits | 75.2759% | 3,834 |
| Total domestic deposits to total assets | 80.6581% | 4,266 |
| Equity capital to assets | 10.7826% | 3,047 |
| Core capital (leverage) ratio | 10.2460% | 3,213 |
| Tier 1 risk-based capital ratio | 14.9546% | 2,949 |
| Total risk-based capital ratio | 16.0033% | 2,966 |
| Memoranda: | ||
| Average total assets | $381,120,670 | 1,803 |
| Average earning assets | $352,971,330 | 1,804 |
| Average equity | $40,605,330 | 1,845 |
| Average total loans | $226,941,000 | 1,966 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8754% | 3,485 |
| Cost of funding earning assets | 0.5102% | 2,005 |
| Net interest margin | 3.3652% | 3,784 |
| Noninterest income to average assets | 0.7362% | 1,799 |
| Noninterest expense to average assets | 3.0499% | 2,014 |
| Loan and lease loss provision to assets | 0.0531% | 2,743 |
| Net operating income to assets | 0.6269% | 4,032 |
| Return on assets (ROA) | 0.6841% | 3,805 |
| Pretax return on assets | 0.8191% | 4,044 |
| Return on Equity (ROE) | 6.4616% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.4616% | 2,104 |
| Net charge-offs to loans | 0.0053% | 2,786 |
| Credit loss provision to net charge-offs | 1,666.6667% | 196 |
| Earnings coverage of net charge-offs (x) | 252.3333% | 231 |
| Efficiency ratio | 79.1345% | 1,471 |
| Assets per employee ($millions) | 3.7710% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 3,025 |
| Loan loss allowance to noncurrent loans | 73.9107% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.0286% | 1,765 |
| Noncurrent loans to loans | 1.6477% | 1,177 |
| Net loans and leases to total assets | 59.3344% | 3,852 |
| Net loans and leases to deposits | 71.2897% | 3,670 |
| Net loans and leases to core deposits | 74.2462% | 3,811 |
| Total domestic deposits to total assets | 83.2300% | 3,753 |
| Equity capital to assets | 10.8461% | 2,802 |
| Core capital (leverage) ratio | 10.3436% | 3,069 |
| Tier 1 risk-based capital ratio | 15.0852% | 2,927 |
| Total risk-based capital ratio | 16.1441% | 2,949 |
| Memoranda: | ||
| Average total assets | $376,532,500 | 1,828 |
| Average earning assets | $348,868,000 | 1,833 |
| Average equity | $39,866,000 | 1,871 |
| Average total loans | $224,771,000 | 1,990 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7284% | 4,132 |
| Cost of funding earning assets | 0.4965% | 2,116 |
| Net interest margin | 3.2319% | 4,351 |
| Noninterest income to average assets | 0.7772% | 1,845 |
| Noninterest expense to average assets | 2.8542% | 2,832 |
| Loan and lease loss provision to assets | 0.0517% | 3,355 |
| Net operating income to assets | 0.7377% | 3,600 |
| Return on assets (ROA) | 0.7733% | 3,536 |
| Pretax return on assets | 0.9118% | 3,802 |
| Return on Equity (ROE) | 7.3873% | 3,277 |
| Retained earnings to average equity (ytd only) | 4.8204% | 2,460 |
| Net charge-offs to loans | 0.0379% | 3,268 |
| Credit loss provision to net charge-offs | 243.9024% | 1,189 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 1,110 |
| Efficiency ratio | 75.5919% | 2,045 |
| Assets per employee ($millions) | 3.7229% | 4,444 |
| Cash dividends to net income (ytd only)* | 34.7477% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 3,171 |
| Loan loss allowance to noncurrent loans | 73.0738% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.0054% | 1,886 |
| Noncurrent loans to loans | 1.6303% | 1,199 |
| Net loans and leases to total assets | 58.6235% | 4,006 |
| Net loans and leases to deposits | 71.8493% | 3,725 |
| Net loans and leases to core deposits | 75.5372% | 3,790 |
| Total domestic deposits to total assets | 81.5923% | 4,183 |
| Equity capital to assets | 10.3336% | 3,347 |
| Core capital (leverage) ratio | 9.9204% | 3,600 |
| Tier 1 risk-based capital ratio | 14.7052% | 3,100 |
| Total risk-based capital ratio | 15.7368% | 3,132 |
| Memoranda: | ||
| Average total assets | $387,037,400 | 1,734 |
| Average earning assets | $359,110,200 | 1,726 |
| Average equity | $40,515,600 | 1,829 |
| Average total loans | $216,320,200 | 1,997 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 4,263 |
| Cost of funding earning assets | 0.4912% | 2,163 |
| Net interest margin | 3.2046% | 4,478 |
| Noninterest income to average assets | 0.7917% | 1,796 |
| Noninterest expense to average assets | 2.7759% | 3,094 |
| Loan and lease loss provision to assets | 0.0600% | 3,058 |
| Net operating income to assets | 0.7755% | 3,481 |
| Return on assets (ROA) | 0.8256% | 3,382 |
| Pretax return on assets | 0.9892% | 3,669 |
| Return on Equity (ROE) | 7.8624% | 3,080 |
| Retained earnings to average equity (ytd only) | 6.1646% | 2,082 |
| Net charge-offs to loans | 0.0461% | 2,725 |
| Credit loss provision to net charge-offs | 236.4865% | 1,247 |
| Earnings coverage of net charge-offs (x) | 38.9747% | 1,269 |
| Efficiency ratio | 73.7341% | 2,337 |
| Assets per employee ($millions) | 3.7913% | 4,319 |
| Cash dividends to net income (ytd only)* | 21.5948% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 3,175 |
| Loan loss allowance to noncurrent loans | 68.6133% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.0297% | 2,005 |
| Noncurrent loans to loans | 1.7632% | 1,180 |
| Net loans and leases to total assets | 55.2359% | 4,384 |
| Net loans and leases to deposits | 68.4446% | 4,111 |
| Net loans and leases to core deposits | 71.9180% | 4,167 |
| Total domestic deposits to total assets | 80.7016% | 4,322 |
| Equity capital to assets | 10.7281% | 3,333 |
| Core capital (leverage) ratio | 9.8076% | 3,801 |
| Tier 1 risk-based capital ratio | 14.5955% | 3,238 |
| Total risk-based capital ratio | 15.6146% | 3,291 |
| Memoranda: | ||
| Average total assets | $388,863,750 | 1,724 |
| Average earning assets | $360,769,500 | 1,720 |
| Average equity | $40,834,500 | 1,829 |
| Average total loans | $214,076,250 | 2,017 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6989% | 4,307 |
| Cost of funding earning assets | 0.4841% | 2,239 |
| Net interest margin | 3.2148% | 4,500 |
| Noninterest income to average assets | 0.8051% | 1,696 |
| Noninterest expense to average assets | 2.7562% | 3,176 |
| Loan and lease loss provision to assets | 0.0517% | 3,112 |
| Net operating income to assets | 0.7994% | 3,315 |
| Return on assets (ROA) | 0.8397% | 3,269 |
| Pretax return on assets | 1.0210% | 3,509 |
| Return on Equity (ROE) | 8.0553% | 2,954 |
| Retained earnings to average equity (ytd only) | 5.4776% | 2,432 |
| Net charge-offs to loans | 0.0208% | 3,078 |
| Credit loss provision to net charge-offs | 454.5455% | 707 |
| Earnings coverage of net charge-offs (x) | 90.0455% | 635 |
| Efficiency ratio | 72.9187% | 2,530 |
| Assets per employee ($millions) | 3.8785% | 4,124 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 3,210 |
| Loan loss allowance to noncurrent loans | 68.5329% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.0382% | 2,050 |
| Noncurrent loans to loans | 1.7900% | 1,160 |
| Net loans and leases to total assets | 54.3446% | 4,474 |
| Net loans and leases to deposits | 64.5286% | 4,453 |
| Net loans and leases to core deposits | 67.6205% | 4,505 |
| Total domestic deposits to total assets | 84.2179% | 3,187 |
| Equity capital to assets | 10.5586% | 3,570 |
| Core capital (leverage) ratio | 9.6299% | 4,027 |
| Tier 1 risk-based capital ratio | 14.7186% | 3,195 |
| Total risk-based capital ratio | 15.7589% | 3,242 |
| Memoranda: | ||
| Average total assets | $387,054,670 | 1,734 |
| Average earning assets | $358,160,000 | 1,739 |
| Average equity | $40,346,000 | 1,841 |
| Average total loans | $211,949,330 | 2,034 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7163% | 4,265 |
| Cost of funding earning assets | 0.4781% | 2,296 |
| Net interest margin | 3.2382% | 4,441 |
| Noninterest income to average assets | 0.7299% | 1,903 |
| Noninterest expense to average assets | 2.7917% | 3,098 |
| Loan and lease loss provision to assets | 0.0780% | 2,401 |
| Net operating income to assets | 0.6944% | 3,743 |
| Return on assets (ROA) | 0.7039% | 3,809 |
| Pretax return on assets | 0.8505% | 4,031 |
| Return on Equity (ROE) | 6.7974% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.7974% | 1,976 |
| Net charge-offs to loans | 0.0856% | 1,640 |
| Credit loss provision to net charge-offs | 166.6667% | 1,201 |
| Earnings coverage of net charge-offs (x) | 19.6000% | 1,498 |
| Efficiency ratio | 75.2733% | 2,281 |
| Assets per employee ($millions) | 3.7671% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 3,332 |
| Loan loss allowance to noncurrent loans | 95.2661% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.7756% | 2,756 |
| Noncurrent loans to loans | 1.2870% | 1,877 |
| Net loans and leases to total assets | 54.4275% | 4,410 |
| Net loans and leases to deposits | 64.6621% | 4,374 |
| Net loans and leases to core deposits | 67.2688% | 4,453 |
| Total domestic deposits to total assets | 84.1723% | 3,453 |
| Equity capital to assets | 10.5321% | 3,451 |
| Core capital (leverage) ratio | 9.7234% | 3,884 |
| Tier 1 risk-based capital ratio | 14.6495% | 3,311 |
| Total risk-based capital ratio | 15.6780% | 3,366 |
| Memoranda: | ||
| Average total assets | $384,718,000 | 1,741 |
| Average earning assets | $353,902,000 | 1,760 |
| Average equity | $39,838,500 | 1,857 |
| Average total loans | $210,160,500 | 2,052 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 3,718 |
| Cost of funding earning assets | 0.4677% | 2,458 |
| Net interest margin | 3.4287% | 3,803 |
| Noninterest income to average assets | 0.8022% | 1,779 |
| Noninterest expense to average assets | 2.9065% | 2,839 |
| Loan and lease loss provision to assets | 0.0555% | 3,200 |
| Net operating income to assets | 0.8046% | 3,315 |
| Return on assets (ROA) | 0.8710% | 3,098 |
| Pretax return on assets | 1.0834% | 3,138 |
| Return on Equity (ROE) | 8.1400% | 2,883 |
| Retained earnings to average equity (ytd only) | 5.6238% | 2,002 |
| Net charge-offs to loans | -0.0005% | 4,818 |
| Credit loss provision to net charge-offs | -20,000.0000% | 5,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3520% | 2,681 |
| Assets per employee ($millions) | 3.7764% | 4,335 |
| Cash dividends to net income (ytd only)* | 30.9114% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 3,294 |
| Loan loss allowance to noncurrent loans | 94.3036% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 2,792 |
| Noncurrent loans to loans | 1.3045% | 1,807 |
| Net loans and leases to total assets | 53.4862% | 4,546 |
| Net loans and leases to deposits | 62.6877% | 4,581 |
| Net loans and leases to core deposits | 65.3318% | 4,643 |
| Total domestic deposits to total assets | 85.3216% | 2,939 |
| Equity capital to assets | 10.1788% | 3,773 |
| Core capital (leverage) ratio | 9.5910% | 4,054 |
| Tier 1 risk-based capital ratio | 14.5938% | 3,388 |
| Total risk-based capital ratio | 15.6253% | 3,423 |
| Memoranda: | ||
| Average total assets | $360,256,200 | 1,828 |
| Average earning assets | $332,048,200 | 1,825 |
| Average equity | $38,550,400 | 1,863 |
| Average total loans | $200,426,600 | 2,065 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9068% | 3,728 |
| Cost of funding earning assets | 0.4703% | 2,498 |
| Net interest margin | 3.4365% | 3,810 |
| Noninterest income to average assets | 0.8078% | 1,778 |
| Noninterest expense to average assets | 2.9538% | 2,663 |
| Loan and lease loss provision to assets | 0.0377% | 3,458 |
| Net operating income to assets | 0.8060% | 3,402 |
| Return on assets (ROA) | 0.8545% | 3,242 |
| Pretax return on assets | 1.0523% | 3,402 |
| Return on Equity (ROE) | 7.8812% | 3,144 |
| Retained earnings to average equity (ytd only) | 6.1271% | 2,167 |
| Net charge-offs to loans | 0.0517% | 2,866 |
| Credit loss provision to net charge-offs | 129.8701% | 1,881 |
| Earnings coverage of net charge-offs (x) | 35.5209% | 1,347 |
| Efficiency ratio | 74.1445% | 2,530 |
| Assets per employee ($millions) | 3.5726% | 4,668 |
| Cash dividends to net income (ytd only)* | 22.2566% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 3,866 |
| Loan loss allowance to noncurrent loans | 62.3336% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.0805% | 2,199 |
| Noncurrent loans to loans | 1.8619% | 1,254 |
| Net loans and leases to total assets | 55.2662% | 4,430 |
| Net loans and leases to deposits | 65.2719% | 4,449 |
| Net loans and leases to core deposits | 68.1557% | 4,530 |
| Total domestic deposits to total assets | 84.6707% | 3,143 |
| Equity capital to assets | 10.6554% | 3,403 |
| Core capital (leverage) ratio | 10.0737% | 3,534 |
| Tier 1 risk-based capital ratio | 14.5795% | 3,510 |
| Total risk-based capital ratio | 15.5494% | 3,599 |
| Memoranda: | ||
| Average total assets | $354,022,000 | 1,862 |
| Average earning assets | $327,182,750 | 1,869 |
| Average equity | $38,386,000 | 1,887 |
| Average total loans | $198,385,500 | 2,085 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9190% | 3,618 |
| Cost of funding earning assets | 0.4531% | 2,690 |
| Net interest margin | 3.4658% | 3,638 |
| Noninterest income to average assets | 0.8175% | 1,711 |
| Noninterest expense to average assets | 2.9797% | 2,619 |
| Loan and lease loss provision to assets | 0.0429% | 3,249 |
| Net operating income to assets | 0.7994% | 3,395 |
| Return on assets (ROA) | 0.8713% | 3,141 |
| Pretax return on assets | 1.0997% | 3,176 |
| Return on Equity (ROE) | 7.9871% | 3,061 |
| Retained earnings to average equity (ytd only) | 5.3370% | 2,647 |
| Net charge-offs to loans | 0.0674% | 2,421 |
| Credit loss provision to net charge-offs | 113.6364% | 1,878 |
| Earnings coverage of net charge-offs (x) | 27.8333% | 1,438 |
| Efficiency ratio | 73.9137% | 2,688 |
| Assets per employee ($millions) | 3.4211% | 4,948 |
| Cash dividends to net income (ytd only)* | 33.1800% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 3,921 |
| Loan loss allowance to noncurrent loans | 109.7043% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.6553% | 3,441 |
| Noncurrent loans to loans | 1.0736% | 2,497 |
| Net loans and leases to total assets | 56.5292% | 4,275 |
| Net loans and leases to deposits | 67.5197% | 4,179 |
| Net loans and leases to core deposits | 70.5314% | 4,275 |
| Total domestic deposits to total assets | 83.7225% | 3,679 |
| Equity capital to assets | 10.6848% | 3,231 |
| Core capital (leverage) ratio | 10.1038% | 3,455 |
| Tier 1 risk-based capital ratio | 15.4449% | 3,129 |
| Total risk-based capital ratio | 16.4881% | 3,165 |
| Memoranda: | ||
| Average total assets | $349,369,000 | 1,896 |
| Average earning assets | $323,964,000 | 1,893 |
| Average equity | $38,111,330 | 1,906 |
| Average total loans | $195,928,330 | 2,121 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1128% | 2,781 |
| Cost of funding earning assets | 0.4533% | 2,738 |
| Net interest margin | 3.6596% | 2,780 |
| Noninterest income to average assets | 0.7589% | 1,871 |
| Noninterest expense to average assets | 3.0011% | 2,580 |
| Loan and lease loss provision to assets | 0.0575% | 2,782 |
| Net operating income to assets | 0.8496% | 3,011 |
| Return on assets (ROA) | 0.9429% | 2,676 |
| Pretax return on assets | 1.2085% | 2,630 |
| Return on Equity (ROE) | 8.5546% | 2,672 |
| Retained earnings to average equity (ytd only) | 8.5546% | 1,359 |
| Net charge-offs to loans | 0.0414% | 2,403 |
| Credit loss provision to net charge-offs | 250.0000% | 913 |
| Earnings coverage of net charge-offs (x) | 49.8500% | 840 |
| Efficiency ratio | 72.3593% | 3,110 |
| Assets per employee ($millions) | 3.2447% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 3,771 |
| Loan loss allowance to noncurrent loans | 115.0336% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 3,533 |
| Noncurrent loans to loans | 1.0724% | 2,617 |
| Net loans and leases to total assets | 55.2329% | 4,290 |
| Net loans and leases to deposits | 65.4588% | 4,205 |
| Net loans and leases to core deposits | 68.3943% | 4,298 |
| Total domestic deposits to total assets | 84.3781% | 3,662 |
| Equity capital to assets | 11.1864% | 2,769 |
| Core capital (leverage) ratio | 10.1794% | 3,366 |
| Tier 1 risk-based capital ratio | 14.1350% | 3,927 |
| Total risk-based capital ratio | 15.1036% | 4,035 |
| Memoranda: | ||
| Average total assets | $347,868,500 | 1,909 |
| Average earning assets | $322,112,500 | 1,910 |
| Average equity | $38,342,000 | 1,908 |
| Average total loans | $193,109,500 | 2,148 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1457% | 3,145 |
| Cost of funding earning assets | 0.4653% | 3,022 |
| Net interest margin | 3.6804% | 3,083 |
| Noninterest income to average assets | 0.8333% | 1,735 |
| Noninterest expense to average assets | 3.0342% | 2,740 |
| Loan and lease loss provision to assets | 0.0728% | 3,026 |
| Net operating income to assets | 0.8800% | 2,976 |
| Return on assets (ROA) | 0.9262% | 2,835 |
| Pretax return on assets | 1.1765% | 2,752 |
| Return on Equity (ROE) | 9.1030% | 2,538 |
| Retained earnings to average equity (ytd only) | 6.5855% | 1,605 |
| Net charge-offs to loans | 0.0694% | 3,485 |
| Credit loss provision to net charge-offs | 193.7984% | 1,276 |
| Earnings coverage of net charge-offs (x) | 31.7132% | 1,278 |
| Efficiency ratio | 71.8154% | 3,236 |
| Assets per employee ($millions) | 3.5208% | 4,869 |
| Cash dividends to net income (ytd only)* | 27.6556% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 3,810 |
| Loan loss allowance to noncurrent loans | 99.6211% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.7370% | 3,364 |
| Noncurrent loans to loans | 1.2365% | 2,383 |
| Net loans and leases to total assets | 54.4245% | 4,524 |
| Net loans and leases to deposits | 65.3148% | 4,395 |
| Net loans and leases to core deposits | 67.2062% | 4,580 |
| Total domestic deposits to total assets | 83.3264% | 3,969 |
| Equity capital to assets | 10.8582% | 3,054 |
| Core capital (leverage) ratio | 9.8628% | 3,757 |
| Tier 1 risk-based capital ratio | 14.9434% | 3,520 |
| Total risk-based capital ratio | 15.9799% | 3,571 |
| Memoranda: | ||
| Average total assets | $343,554,600 | 1,895 |
| Average earning assets | $316,595,000 | 1,894 |
| Average equity | $34,955,600 | 2,000 |
| Average total loans | $185,991,800 | 2,158 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1263% | 3,268 |
| Cost of funding earning assets | 0.4642% | 3,109 |
| Net interest margin | 3.6621% | 3,182 |
| Noninterest income to average assets | 0.8289% | 1,781 |
| Noninterest expense to average assets | 3.0358% | 2,689 |
| Loan and lease loss provision to assets | 0.0390% | 3,630 |
| Net operating income to assets | 0.8848% | 2,987 |
| Return on assets (ROA) | 0.9438% | 2,803 |
| Pretax return on assets | 1.2040% | 2,763 |
| Return on Equity (ROE) | 9.4371% | 2,481 |
| Retained earnings to average equity (ytd only) | 7.7624% | 1,464 |
| Net charge-offs to loans | 0.0311% | 3,863 |
| Credit loss provision to net charge-offs | 232.5581% | 1,120 |
| Earnings coverage of net charge-offs (x) | 69.7000% | 783 |
| Efficiency ratio | 72.2269% | 3,139 |
| Assets per employee ($millions) | 3.2027% | 5,425 |
| Cash dividends to net income (ytd only)* | 17.7466% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 4,195 |
| Loan loss allowance to noncurrent loans | 103.5072% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.7198% | 3,653 |
| Noncurrent loans to loans | 1.1640% | 2,734 |
| Net loans and leases to total assets | 53.5805% | 4,626 |
| Net loans and leases to deposits | 64.1459% | 4,520 |
| Net loans and leases to core deposits | 67.1185% | 4,592 |
| Total domestic deposits to total assets | 83.5292% | 3,940 |
| Equity capital to assets | 10.3385% | 3,748 |
| Core capital (leverage) ratio | 9.9314% | 3,767 |
| Tier 1 risk-based capital ratio | 14.8401% | 3,684 |
| Total risk-based capital ratio | 15.8517% | 3,755 |
| Memoranda: | ||
| Average total assets | $342,303,750 | 1,911 |
| Average earning assets | $315,399,500 | 1,907 |
| Average equity | $34,232,750 | 2,042 |
| Average total loans | $184,473,000 | 2,182 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9909% | 3,758 |
| Cost of funding earning assets | 0.4591% | 3,228 |
| Net interest margin | 3.5318% | 3,647 |
| Noninterest income to average assets | 0.8107% | 1,800 |
| Noninterest expense to average assets | 2.9790% | 2,906 |
| Loan and lease loss provision to assets | 0.0443% | 3,433 |
| Net operating income to assets | 0.8227% | 3,221 |
| Return on assets (ROA) | 0.8968% | 2,925 |
| Pretax return on assets | 1.1358% | 2,947 |
| Return on Equity (ROE) | 9.0738% | 2,556 |
| Retained earnings to average equity (ytd only) | 6.5069% | 2,031 |
| Net charge-offs to loans | 0.0461% | 3,320 |
| Credit loss provision to net charge-offs | 178.5714% | 1,275 |
| Earnings coverage of net charge-offs (x) | 43.8333% | 986 |
| Efficiency ratio | 73.2801% | 3,107 |
| Assets per employee ($millions) | 3.2124% | 5,405 |
| Cash dividends to net income (ytd only)* | 28.2895% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 4,293 |
| Loan loss allowance to noncurrent loans | 136.5707% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.1174% | 2,846 |
| Noncurrent loans to loans | 0.8986% | 3,458 |
| Net loans and leases to total assets | 54.3559% | 4,494 |
| Net loans and leases to deposits | 63.5357% | 4,544 |
| Net loans and leases to core deposits | 66.7095% | 4,574 |
| Total domestic deposits to total assets | 85.5517% | 3,270 |
| Equity capital to assets | 10.4093% | 3,549 |
| Core capital (leverage) ratio | 9.7856% | 3,908 |
| Tier 1 risk-based capital ratio | 14.8290% | 3,735 |
| Total risk-based capital ratio | 15.8568% | 3,811 |
| Memoranda: | ||
| Average total assets | $338,973,000 | 1,926 |
| Average earning assets | $312,360,670 | 1,926 |
| Average equity | $33,503,000 | 2,067 |
| Average total loans | $182,276,000 | 2,204 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9269% | 3,981 |
| Cost of funding earning assets | 0.4600% | 3,310 |
| Net interest margin | 3.4669% | 3,834 |
| Noninterest income to average assets | 0.7463% | 1,964 |
| Noninterest expense to average assets | 2.9346% | 3,100 |
| Loan and lease loss provision to assets | 0.0589% | 2,940 |
| Net operating income to assets | 0.7545% | 3,392 |
| Return on assets (ROA) | 0.8628% | 2,899 |
| Pretax return on assets | 1.0818% | 2,991 |
| Return on Equity (ROE) | 8.9666% | 2,481 |
| Retained earnings to average equity (ytd only) | 8.9666% | 1,260 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4846% | 3,050 |
| Assets per employee ($millions) | 3.1954% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 4,345 |
| Loan loss allowance to noncurrent loans | 57.6633% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 1.7981% | 1,952 |
| Noncurrent loans to loans | 2.1796% | 1,674 |
| Net loans and leases to total assets | 52.7351% | 4,569 |
| Net loans and leases to deposits | 61.1560% | 4,646 |
| Net loans and leases to core deposits | 65.3610% | 4,567 |
| Total domestic deposits to total assets | 86.2304% | 3,239 |
| Equity capital to assets | 9.8133% | 4,087 |
| Core capital (leverage) ratio | 9.7182% | 3,973 |
| Tier 1 risk-based capital ratio | 14.7300% | 3,870 |
| Total risk-based capital ratio | 15.7700% | 3,951 |
| Memoranda: | ||
| Average total assets | $339,807,000 | 1,930 |
| Average earning assets | $313,020,000 | 1,921 |
| Average equity | $32,699,000 | 2,107 |
| Average total loans | $180,602,500 | 2,229 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9573% | 4,256 |
| Cost of funding earning assets | 0.6107% | 2,566 |
| Net interest margin | 3.3466% | 4,492 |
| Noninterest income to average assets | 0.8448% | 1,886 |
| Noninterest expense to average assets | 2.9402% | 3,229 |
| Loan and lease loss provision to assets | 0.0434% | 4,255 |
| Net operating income to assets | 0.7509% | 3,546 |
| Return on assets (ROA) | 0.8260% | 3,241 |
| Pretax return on assets | 1.0290% | 3,232 |
| Return on Equity (ROE) | 8.6936% | 2,702 |
| Retained earnings to average equity (ytd only) | 6.1026% | 1,912 |
| Net charge-offs to loans | 0.1147% | 3,668 |
| Credit loss provision to net charge-offs | 76.5306% | 3,129 |
| Earnings coverage of net charge-offs (x) | 17.2398% | 1,732 |
| Efficiency ratio | 75.0277% | 2,943 |
| Assets per employee ($millions) | 3.0152% | 5,807 |
| Cash dividends to net income (ytd only)* | 29.8036% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 4,366 |
| Loan loss allowance to noncurrent loans | 92.8424% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.3497% | 2,725 |
| Noncurrent loans to loans | 1.3533% | 2,875 |
| Net loans and leases to total assets | 52.2231% | 4,816 |
| Net loans and leases to deposits | 60.7379% | 4,867 |
| Net loans and leases to core deposits | 64.8788% | 4,789 |
| Total domestic deposits to total assets | 85.9811% | 3,268 |
| Equity capital to assets | 9.4299% | 4,518 |
| Core capital (leverage) ratio | 9.3138% | 4,529 |
| Tier 1 risk-based capital ratio | 14.6584% | 3,862 |
| Total risk-based capital ratio | 15.6939% | 3,931 |
| Memoranda: | ||
| Average total assets | $345,284,400 | 1,870 |
| Average earning assets | $317,157,400 | 1,876 |
| Average equity | $32,805,800 | 2,095 |
| Average total loans | $170,926,800 | 2,293 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9310% | 4,387 |
| Cost of funding earning assets | 0.6444% | 2,412 |
| Net interest margin | 3.2866% | 4,690 |
| Noninterest income to average assets | 0.8583% | 1,901 |
| Noninterest expense to average assets | 2.9079% | 3,282 |
| Loan and lease loss provision to assets | 0.0384% | 4,243 |
| Net operating income to assets | 0.7446% | 3,628 |
| Return on assets (ROA) | 0.8414% | 3,260 |
| Pretax return on assets | 1.0515% | 3,292 |
| Return on Equity (ROE) | 8.8400% | 2,719 |
| Retained earnings to average equity (ytd only) | 7.0244% | 1,862 |
| Net charge-offs to loans | 0.0039% | 5,122 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 504.3358% | 115 |
| Efficiency ratio | 75.0074% | 2,905 |
| Assets per employee ($millions) | 3.0964% | 5,682 |
| Cash dividends to net income (ytd only)* | 20.5387% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 4,058 |
| Loan loss allowance to noncurrent loans | 96.2470% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.3798% | 2,892 |
| Noncurrent loans to loans | 1.4176% | 3,047 |
| Net loans and leases to total assets | 49.7161% | 5,172 |
| Net loans and leases to deposits | 59.0173% | 5,090 |
| Net loans and leases to core deposits | 63.0595% | 5,004 |
| Total domestic deposits to total assets | 84.2400% | 4,092 |
| Equity capital to assets | 9.2477% | 4,864 |
| Core capital (leverage) ratio | 9.2230% | 4,801 |
| Tier 1 risk-based capital ratio | 14.6851% | 3,960 |
| Total risk-based capital ratio | 15.7969% | 3,998 |
| Memoranda: | ||
| Average total assets | $347,180,250 | 1,873 |
| Average earning assets | $318,859,500 | 1,877 |
| Average equity | $33,046,000 | 2,106 |
| Average total loans | $169,008,000 | 2,322 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 4,446 |
| Cost of funding earning assets | 0.6759% | 2,258 |
| Net interest margin | 3.2320% | 4,831 |
| Noninterest income to average assets | 0.9104% | 1,786 |
| Noninterest expense to average assets | 2.9046% | 3,313 |
| Loan and lease loss provision to assets | 0.0288% | 4,351 |
| Net operating income to assets | 0.7478% | 3,580 |
| Return on assets (ROA) | 0.8488% | 3,201 |
| Pretax return on assets | 1.0705% | 3,218 |
| Return on Equity (ROE) | 8.8340% | 2,688 |
| Retained earnings to average equity (ytd only) | 6.1371% | 2,349 |
| Net charge-offs to loans | 0.0263% | 4,327 |
| Credit loss provision to net charge-offs | 227.2727% | 1,080 |
| Earnings coverage of net charge-offs (x) | 76.6818% | 593 |
| Efficiency ratio | 74.9369% | 2,957 |
| Assets per employee ($millions) | 3.3090% | 5,245 |
| Cash dividends to net income (ytd only)* | 30.5292% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 4,219 |
| Loan loss allowance to noncurrent loans | 191.4121% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 1.0030% | 3,748 |
| Noncurrent loans to loans | 0.7097% | 4,513 |
| Net loans and leases to total assets | 47.9870% | 5,330 |
| Net loans and leases to deposits | 57.3050% | 5,216 |
| Net loans and leases to core deposits | 61.7144% | 5,123 |
| Total domestic deposits to total assets | 83.7397% | 4,434 |
| Equity capital to assets | 8.8590% | 5,381 |
| Core capital (leverage) ratio | 8.7927% | 5,300 |
| Tier 1 risk-based capital ratio | 14.2688% | 4,245 |
| Total risk-based capital ratio | 15.3433% | 4,319 |
| Memoranda: | ||
| Average total assets | $347,306,670 | 1,878 |
| Average earning assets | $318,688,670 | 1,877 |
| Average equity | $33,371,000 | 2,086 |
| Average total loans | $167,077,000 | 2,339 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8856% | 4,531 |
| Cost of funding earning assets | 0.7045% | 2,169 |
| Net interest margin | 3.1811% | 4,991 |
| Noninterest income to average assets | 0.9549% | 1,594 |
| Noninterest expense to average assets | 2.9608% | 3,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7374% | 3,493 |
| Return on assets (ROA) | 0.8554% | 3,010 |
| Pretax return on assets | 1.0857% | 3,015 |
| Return on Equity (ROE) | 8.5632% | 2,679 |
| Retained earnings to average equity (ytd only) | 8.5632% | 1,536 |
| Net charge-offs to loans | 0.0774% | 3,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 25.2813% | 1,054 |
| Efficiency ratio | 75.9727% | 2,929 |
| Assets per employee ($millions) | 3.3701% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 4,394 |
| Loan loss allowance to noncurrent loans | 224.0079% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.9455% | 4,036 |
| Noncurrent loans to loans | 0.6101% | 4,920 |
| Net loans and leases to total assets | 46.4968% | 5,388 |
| Net loans and leases to deposits | 55.7050% | 5,277 |
| Net loans and leases to core deposits | 59.8166% | 5,165 |
| Total domestic deposits to total assets | 83.4697% | 4,684 |
| Equity capital to assets | 9.8484% | 4,353 |
| Core capital (leverage) ratio | 8.9267% | 5,013 |
| Tier 1 risk-based capital ratio | 14.6774% | 4,050 |
| Total risk-based capital ratio | 15.7642% | 4,129 |
| Memoranda: | ||
| Average total assets | $345,584,500 | 1,911 |
| Average earning assets | $319,638,500 | 1,898 |
| Average equity | $34,520,000 | 2,043 |
| Average total loans | $165,299,000 | 2,375 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 4,693 |
| Cost of funding earning assets | 0.9638% | 1,563 |
| Net interest margin | 3.2061% | 5,554 |
| Noninterest income to average assets | 1.0590% | 1,384 |
| Noninterest expense to average assets | 2.9894% | 3,314 |
| Loan and lease loss provision to assets | 0.0911% | 4,543 |
| Net operating income to assets | 0.7321% | 3,594 |
| Return on assets (ROA) | 0.8607% | 3,240 |
| Pretax return on assets | 1.0988% | 3,164 |
| Return on Equity (ROE) | 8.4686% | 2,885 |
| Retained earnings to average equity (ytd only) | 6.0610% | 2,042 |
| Net charge-offs to loans | 0.1198% | 4,491 |
| Credit loss provision to net charge-offs | 157.8947% | 1,698 |
| Earnings coverage of net charge-offs (x) | 17.7684% | 1,485 |
| Efficiency ratio | 74.3458% | 3,015 |
| Assets per employee ($millions) | 3.2757% | 5,466 |
| Cash dividends to net income (ytd only)* | 28.4303% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 4,242 |
| Loan loss allowance to noncurrent loans | 154.2088% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.0239% | 3,989 |
| Noncurrent loans to loans | 0.8980% | 4,388 |
| Net loans and leases to total assets | 47.8701% | 5,427 |
| Net loans and leases to deposits | 55.1285% | 5,536 |
| Net loans and leases to core deposits | 59.5895% | 5,407 |
| Total domestic deposits to total assets | 86.8337% | 2,920 |
| Equity capital to assets | 10.1334% | 3,995 |
| Core capital (leverage) ratio | 8.8627% | 5,077 |
| Tier 1 risk-based capital ratio | 14.5534% | 3,991 |
| Total risk-based capital ratio | 15.6735% | 4,034 |
| Memoranda: | ||
| Average total assets | $329,369,000 | 1,958 |
| Average earning assets | $303,605,000 | 1,950 |
| Average equity | $33,476,600 | 2,064 |
| Average total loans | $158,622,400 | 2,452 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 4,727 |
| Cost of funding earning assets | 1.0200% | 1,449 |
| Net interest margin | 3.2054% | 5,686 |
| Noninterest income to average assets | 1.1106% | 1,224 |
| Noninterest expense to average assets | 3.0154% | 3,185 |
| Loan and lease loss provision to assets | 0.0612% | 4,950 |
| Net operating income to assets | 0.7629% | 3,635 |
| Return on assets (ROA) | 0.9171% | 3,121 |
| Pretax return on assets | 1.1829% | 3,051 |
| Return on Equity (ROE) | 9.0157% | 2,793 |
| Retained earnings to average equity (ytd only) | 7.4101% | 1,892 |
| Net charge-offs to loans | 0.0093% | 5,583 |
| Credit loss provision to net charge-offs | 1,363.6364% | 206 |
| Earnings coverage of net charge-offs (x) | 232.9414% | 192 |
| Efficiency ratio | 74.1154% | 2,963 |
| Assets per employee ($millions) | 3.2252% | 5,588 |
| Cash dividends to net income (ytd only)* | 17.8094% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 4,115 |
| Loan loss allowance to noncurrent loans | 144.2164% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 1.2375% | 3,819 |
| Noncurrent loans to loans | 1.0118% | 4,428 |
| Net loans and leases to total assets | 46.6867% | 5,690 |
| Net loans and leases to deposits | 54.5559% | 5,760 |
| Net loans and leases to core deposits | 59.0871% | 5,648 |
| Total domestic deposits to total assets | 85.5759% | 3,474 |
| Equity capital to assets | 10.4083% | 3,948 |
| Core capital (leverage) ratio | 9.0234% | 5,028 |
| Tier 1 risk-based capital ratio | 14.6389% | 4,091 |
| Total risk-based capital ratio | 15.7930% | 4,126 |
| Memoranda: | ||
| Average total assets | $326,542,750 | 1,991 |
| Average earning assets | $300,651,250 | 1,981 |
| Average equity | $33,215,250 | 2,095 |
| Average total loans | $156,935,250 | 2,502 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2928% | 4,605 |
| Cost of funding earning assets | 1.0682% | 1,361 |
| Net interest margin | 3.2246% | 5,661 |
| Noninterest income to average assets | 1.0983% | 1,188 |
| Noninterest expense to average assets | 3.0657% | 3,031 |
| Loan and lease loss provision to assets | 0.0618% | 4,875 |
| Net operating income to assets | 0.7382% | 3,659 |
| Return on assets (ROA) | 0.8882% | 3,228 |
| Pretax return on assets | 1.1317% | 3,184 |
| Return on Equity (ROE) | 8.8025% | 2,897 |
| Retained earnings to average equity (ytd only) | 6.3523% | 2,471 |
| Net charge-offs to loans | -0.0192% | 6,421 |
| Credit loss provision to net charge-offs | -666.6667% | 6,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3799% | 2,839 |
| Assets per employee ($millions) | 3.1643% | 5,718 |
| Cash dividends to net income (ytd only)* | 27.8358% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 4,245 |
| Loan loss allowance to noncurrent loans | 201.1394% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 1.1468% | 4,097 |
| Noncurrent loans to loans | 0.7211% | 5,068 |
| Net loans and leases to total assets | 47.3844% | 5,676 |
| Net loans and leases to deposits | 56.8998% | 5,562 |
| Net loans and leases to core deposits | 62.4568% | 5,348 |
| Total domestic deposits to total assets | 83.2769% | 4,635 |
| Equity capital to assets | 10.1755% | 4,089 |
| Core capital (leverage) ratio | 8.7847% | 5,238 |
| Tier 1 risk-based capital ratio | 14.7341% | 3,944 |
| Total risk-based capital ratio | 15.8969% | 3,965 |
| Memoranda: | ||
| Average total assets | $323,582,000 | 2,002 |
| Average earning assets | $297,893,670 | 1,997 |
| Average equity | $32,649,670 | 2,108 |
| Average total loans | $156,274,330 | 2,518 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 4,751 |
| Cost of funding earning assets | 1.1067% | 1,371 |
| Net interest margin | 3.1901% | 5,809 |
| Noninterest income to average assets | 1.0311% | 1,352 |
| Noninterest expense to average assets | 3.0807% | 2,983 |
| Loan and lease loss provision to assets | 0.0623% | 4,639 |
| Net operating income to assets | 0.6384% | 4,179 |
| Return on assets (ROA) | 0.9126% | 3,075 |
| Pretax return on assets | 1.1757% | 3,006 |
| Return on Equity (ROE) | 9.0843% | 2,788 |
| Retained earnings to average equity (ytd only) | 9.0843% | 1,559 |
| Net charge-offs to loans | -0.0180% | 6,146 |
| Credit loss provision to net charge-offs | -714.2857% | 5,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6556% | 2,545 |
| Assets per employee ($millions) | 3.2585% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 4,378 |
| Loan loss allowance to noncurrent loans | 136.8196% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 1.2914% | 3,982 |
| Noncurrent loans to loans | 1.0592% | 4,584 |
| Net loans and leases to total assets | 46.2245% | 5,756 |
| Net loans and leases to deposits | 55.6696% | 5,641 |
| Net loans and leases to core deposits | 61.0606% | 5,429 |
| Total domestic deposits to total assets | 83.0337% | 4,913 |
| Equity capital to assets | 9.8869% | 4,272 |
| Core capital (leverage) ratio | 8.8542% | 5,058 |
| Tier 1 risk-based capital ratio | 14.6464% | 3,988 |
| Total risk-based capital ratio | 15.8004% | 4,024 |
| Memoranda: | ||
| Average total assets | $320,831,500 | 2,024 |
| Average earning assets | $295,291,500 | 2,012 |
| Average equity | $32,231,500 | 2,135 |
| Average total loans | $155,297,000 | 2,554 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8253% | 3,684 |
| Cost of funding earning assets | 1.2890% | 1,533 |
| Net interest margin | 3.5363% | 4,994 |
| Noninterest income to average assets | 0.9484% | 1,510 |
| Noninterest expense to average assets | 3.1025% | 3,187 |
| Loan and lease loss provision to assets | 0.0833% | 5,570 |
| Net operating income to assets | 0.7755% | 3,149 |
| Return on assets (ROA) | 0.7878% | 3,256 |
| Pretax return on assets | 0.9797% | 3,319 |
| Return on Equity (ROE) | 7.8486% | 2,987 |
| Retained earnings to average equity (ytd only) | 5.2689% | 2,473 |
| Net charge-offs to loans | 0.2480% | 4,227 |
| Credit loss provision to net charge-offs | 64.2674% | 5,051 |
| Earnings coverage of net charge-offs (x) | 8.0823% | 2,217 |
| Efficiency ratio | 74.6266% | 3,118 |
| Assets per employee ($millions) | 3.1571% | 5,795 |
| Cash dividends to net income (ytd only)* | 32.8680% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 4,484 |
| Loan loss allowance to noncurrent loans | 157.2872% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 1.2225% | 4,190 |
| Noncurrent loans to loans | 0.8872% | 4,916 |
| Net loans and leases to total assets | 49.2868% | 5,687 |
| Net loans and leases to deposits | 57.5937% | 5,739 |
| Net loans and leases to core deposits | 63.2418% | 5,540 |
| Total domestic deposits to total assets | 85.5768% | 3,555 |
| Equity capital to assets | 10.2140% | 3,891 |
| Core capital (leverage) ratio | 8.9069% | 4,924 |
| Tier 1 risk-based capital ratio | 14.2494% | 4,147 |
| Total risk-based capital ratio | 15.3763% | 4,187 |
| Memoranda: | ||
| Average total assets | $300,079,600 | 2,129 |
| Average earning assets | $271,693,000 | 2,156 |
| Average equity | $30,120,000 | 2,190 |
| Average total loans | $156,864,800 | 2,544 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 3,377 |
| Cost of funding earning assets | 1.3167% | 1,608 |
| Net interest margin | 3.6254% | 4,678 |
| Noninterest income to average assets | 0.9649% | 1,438 |
| Noninterest expense to average assets | 3.1105% | 3,117 |
| Loan and lease loss provision to assets | 0.0898% | 5,335 |
| Net operating income to assets | 0.8218% | 3,054 |
| Return on assets (ROA) | 0.8369% | 3,153 |
| Pretax return on assets | 1.0520% | 3,200 |
| Return on Equity (ROE) | 8.3767% | 2,881 |
| Retained earnings to average equity (ytd only) | 6.6285% | 2,179 |
| Net charge-offs to loans | 0.3116% | 3,540 |
| Credit loss provision to net charge-offs | 54.4959% | 4,939 |
| Earnings coverage of net charge-offs (x) | 6.8147% | 2,480 |
| Efficiency ratio | 73.3800% | 3,300 |
| Assets per employee ($millions) | 3.0773% | 5,948 |
| Cash dividends to net income (ytd only)* | 20.8690% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 4,763 |
| Loan loss allowance to noncurrent loans | 166.1776% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2871% | 4,236 |
| Noncurrent loans to loans | 0.8141% | 5,239 |
| Net loans and leases to total assets | 49.9943% | 5,705 |
| Net loans and leases to deposits | 59.5456% | 5,687 |
| Net loans and leases to core deposits | 66.0057% | 5,415 |
| Total domestic deposits to total assets | 83.9596% | 4,247 |
| Equity capital to assets | 10.1759% | 4,125 |
| Core capital (leverage) ratio | 8.9181% | 5,071 |
| Tier 1 risk-based capital ratio | 14.2263% | 4,181 |
| Total risk-based capital ratio | 15.3376% | 4,263 |
| Memoranda: | ||
| Average total assets | $296,961,500 | 2,158 |
| Average earning assets | $267,737,250 | 2,190 |
| Average equity | $29,669,000 | 2,216 |
| Average total loans | $157,024,250 | 2,566 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0756% | 2,795 |
| Cost of funding earning assets | 1.3237% | 1,801 |
| Net interest margin | 3.7519% | 4,020 |
| Noninterest income to average assets | 0.9598% | 1,432 |
| Noninterest expense to average assets | 3.1395% | 3,117 |
| Loan and lease loss provision to assets | 0.1030% | 5,025 |
| Net operating income to assets | 0.8605% | 2,817 |
| Return on assets (ROA) | 0.8698% | 2,862 |
| Pretax return on assets | 1.0875% | 2,905 |
| Return on Equity (ROE) | 8.7646% | 2,614 |
| Retained earnings to average equity (ytd only) | 6.0737% | 2,379 |
| Net charge-offs to loans | 0.2162% | 3,839 |
| Credit loss provision to net charge-offs | 88.7574% | 3,494 |
| Earnings coverage of net charge-offs (x) | 10.1598% | 1,845 |
| Efficiency ratio | 72.6073% | 3,618 |
| Assets per employee ($millions) | 2.9055% | 6,288 |
| Cash dividends to net income (ytd only)* | 30.7024% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 4,329 |
| Loan loss allowance to noncurrent loans | 111.7590% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.6180% | 3,766 |
| Noncurrent loans to loans | 1.3001% | 4,471 |
| Net loans and leases to total assets | 52.6378% | 5,483 |
| Net loans and leases to deposits | 61.8427% | 5,519 |
| Net loans and leases to core deposits | 68.4744% | 5,241 |
| Total domestic deposits to total assets | 85.1157% | 3,827 |
| Equity capital to assets | 10.1988% | 3,880 |
| Core capital (leverage) ratio | 9.2066% | 4,394 |
| Tier 1 risk-based capital ratio | 14.1595% | 4,055 |
| Total risk-based capital ratio | 15.3209% | 4,092 |
| Memoranda: | ||
| Average total assets | $291,319,330 | 2,209 |
| Average earning assets | $260,777,330 | 2,248 |
| Average equity | $28,911,670 | 2,249 |
| Average total loans | $156,339,670 | 2,596 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9748% | 3,222 |
| Cost of funding earning assets | 1.3350% | 1,982 |
| Net interest margin | 3.6398% | 4,372 |
| Noninterest income to average assets | 0.9515% | 1,464 |
| Noninterest expense to average assets | 3.1814% | 2,957 |
| Loan and lease loss provision to assets | 0.1385% | 4,275 |
| Net operating income to assets | 0.7419% | 3,314 |
| Return on assets (ROA) | 0.7465% | 3,356 |
| Pretax return on assets | 0.8961% | 3,512 |
| Return on Equity (ROE) | 7.6305% | 3,084 |
| Retained earnings to average equity (ytd only) | 7.6305% | 1,873 |
| Net charge-offs to loans | 0.1982% | 3,315 |
| Credit loss provision to net charge-offs | 129.8701% | 2,130 |
| Earnings coverage of net charge-offs (x) | 9.6494% | 1,703 |
| Efficiency ratio | 75.4605% | 3,250 |
| Assets per employee ($millions) | 2.8488% | 6,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 4,140 |
| Loan loss allowance to noncurrent loans | 70.0568% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 2.0576% | 3,251 |
| Noncurrent loans to loans | 2.1612% | 3,372 |
| Net loans and leases to total assets | 52.4267% | 5,522 |
| Net loans and leases to deposits | 61.3283% | 5,587 |
| Net loans and leases to core deposits | 68.0560% | 5,280 |
| Total domestic deposits to total assets | 85.4854% | 3,790 |
| Equity capital to assets | 9.8762% | 3,926 |
| Core capital (leverage) ratio | 9.2590% | 4,188 |
| Tier 1 risk-based capital ratio | 14.3078% | 3,865 |
| Total risk-based capital ratio | 15.4668% | 3,896 |
| Memoranda: | ||
| Average total assets | $288,799,500 | 2,242 |
| Average earning assets | $258,583,000 | 2,279 |
| Average equity | $28,255,000 | 2,286 |
| Average total loans | $155,361,000 | 2,626 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1828% | 3,686 |
| Cost of funding earning assets | 1.5927% | 2,109 |
| Net interest margin | 3.5901% | 4,867 |
| Noninterest income to average assets | 0.9521% | 1,667 |
| Noninterest expense to average assets | 3.1914% | 3,127 |
| Loan and lease loss provision to assets | 0.2906% | 4,469 |
| Net operating income to assets | 0.6127% | 3,617 |
| Return on assets (ROA) | 0.6228% | 3,735 |
| Pretax return on assets | 0.7158% | 3,919 |
| Return on Equity (ROE) | 6.1985% | 3,519 |
| Retained earnings to average equity (ytd only) | 3.3377% | 3,530 |
| Net charge-offs to loans | 0.2087% | 5,043 |
| Credit loss provision to net charge-offs | 252.2936% | 1,120 |
| Earnings coverage of net charge-offs (x) | 8.6361% | 1,944 |
| Efficiency ratio | 76.1528% | 3,036 |
| Assets per employee ($millions) | 3.0213% | 6,054 |
| Cash dividends to net income (ytd only)* | 46.1538% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 4,084 |
| Loan loss allowance to noncurrent loans | 81.2259% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.9563% | 3,401 |
| Noncurrent loans to loans | 1.8297% | 3,779 |
| Net loans and leases to total assets | 53.5572% | 5,694 |
| Net loans and leases to deposits | 62.7256% | 5,771 |
| Net loans and leases to core deposits | 69.1711% | 5,530 |
| Total domestic deposits to total assets | 85.3834% | 3,671 |
| Equity capital to assets | 9.6898% | 4,151 |
| Core capital (leverage) ratio | 9.0072% | 4,540 |
| Tier 1 risk-based capital ratio | 14.3145% | 3,668 |
| Total risk-based capital ratio | 15.4706% | 3,683 |
| Memoranda: | ||
| Average total assets | $283,891,800 | 2,257 |
| Average earning assets | $255,732,600 | 2,292 |
| Average equity | $28,523,000 | 2,278 |
| Average total loans | $156,656,200 | 2,658 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3251% | 3,231 |
| Cost of funding earning assets | 1.6576% | 2,056 |
| Net interest margin | 3.6675% | 4,557 |
| Noninterest income to average assets | 0.9862% | 1,501 |
| Noninterest expense to average assets | 3.1346% | 3,168 |
| Loan and lease loss provision to assets | 0.2237% | 4,819 |
| Net operating income to assets | 0.7678% | 3,146 |
| Return on assets (ROA) | 0.7705% | 3,285 |
| Pretax return on assets | 0.9362% | 3,425 |
| Return on Equity (ROE) | 7.6001% | 3,063 |
| Retained earnings to average equity (ytd only) | 5.7047% | 2,542 |
| Net charge-offs to loans | 0.2653% | 4,356 |
| Credit loss provision to net charge-offs | 152.2436% | 2,549 |
| Earnings coverage of net charge-offs (x) | 7.8718% | 2,250 |
| Efficiency ratio | 73.0465% | 3,514 |
| Assets per employee ($millions) | 2.7251% | 6,731 |
| Cash dividends to net income (ytd only)* | 24.9390% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 5,136 |
| Loan loss allowance to noncurrent loans | 68.3666% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.3098% | 4,531 |
| Noncurrent loans to loans | 1.8518% | 3,864 |
| Net loans and leases to total assets | 54.0753% | 5,841 |
| Net loans and leases to deposits | 64.5641% | 5,841 |
| Net loans and leases to core deposits | 71.1070% | 5,626 |
| Total domestic deposits to total assets | 83.7545% | 4,250 |
| Equity capital to assets | 10.3788% | 3,668 |
| Core capital (leverage) ratio | 9.2540% | 4,270 |
| Tier 1 risk-based capital ratio | 14.3930% | 3,573 |
| Total risk-based capital ratio | 15.4812% | 3,643 |
| Memoranda: | ||
| Average total assets | $283,109,250 | 2,294 |
| Average earning assets | $255,139,000 | 2,332 |
| Average equity | $28,700,750 | 2,294 |
| Average total loans | $156,810,250 | 2,704 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4142% | 2,912 |
| Cost of funding earning assets | 1.7493% | 1,868 |
| Net interest margin | 3.6648% | 4,521 |
| Noninterest income to average assets | 1.0110% | 1,349 |
| Noninterest expense to average assets | 3.0989% | 3,330 |
| Loan and lease loss provision to assets | 0.2127% | 4,759 |
| Net operating income to assets | 0.8189% | 2,883 |
| Return on assets (ROA) | 0.8061% | 3,088 |
| Pretax return on assets | 0.9826% | 3,187 |
| Return on Equity (ROE) | 8.0160% | 2,881 |
| Retained earnings to average equity (ytd only) | 5.1395% | 2,821 |
| Net charge-offs to loans | 0.2716% | 3,983 |
| Credit loss provision to net charge-offs | 140.8451% | 2,837 |
| Earnings coverage of net charge-offs (x) | 8.0188% | 2,204 |
| Efficiency ratio | 71.9033% | 3,834 |
| Assets per employee ($millions) | 2.7852% | 6,602 |
| Cash dividends to net income (ytd only)* | 35.8839% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 5,365 |
| Loan loss allowance to noncurrent loans | 66.9944% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.2630% | 4,619 |
| Noncurrent loans to loans | 1.8168% | 3,981 |
| Net loans and leases to total assets | 54.5061% | 5,916 |
| Net loans and leases to deposits | 65.7474% | 5,836 |
| Net loans and leases to core deposits | 73.1458% | 5,538 |
| Total domestic deposits to total assets | 82.9022% | 4,609 |
| Equity capital to assets | 10.2913% | 3,662 |
| Core capital (leverage) ratio | 9.0178% | 4,570 |
| Tier 1 risk-based capital ratio | 14.1308% | 3,645 |
| Total risk-based capital ratio | 15.1782% | 3,744 |
| Memoranda: | ||
| Average total assets | $282,099,000 | 2,318 |
| Average earning assets | $253,926,330 | 2,360 |
| Average equity | $28,368,330 | 2,311 |
| Average total loans | $156,842,000 | 2,739 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4840% | 2,664 |
| Cost of funding earning assets | 1.8280% | 1,758 |
| Net interest margin | 3.6560% | 4,455 |
| Noninterest income to average assets | 0.9676% | 1,396 |
| Noninterest expense to average assets | 3.1832% | 2,929 |
| Loan and lease loss provision to assets | 0.2134% | 4,379 |
| Net operating income to assets | 0.7232% | 3,340 |
| Return on assets (ROA) | 0.7399% | 3,362 |
| Pretax return on assets | 0.8808% | 3,535 |
| Return on Equity (ROE) | 7.4461% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.4461% | 1,948 |
| Net charge-offs to loans | 0.4385% | 2,733 |
| Credit loss provision to net charge-offs | 87.2093% | 3,718 |
| Earnings coverage of net charge-offs (x) | 4.3895% | 2,636 |
| Efficiency ratio | 74.7660% | 3,443 |
| Assets per employee ($millions) | 2.7849% | 6,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 5,752 |
| Loan loss allowance to noncurrent loans | 74.6473% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.0825% | 4,979 |
| Noncurrent loans to loans | 1.5458% | 4,426 |
| Net loans and leases to total assets | 54.2520% | 5,998 |
| Net loans and leases to deposits | 66.5440% | 5,764 |
| Net loans and leases to core deposits | 74.3666% | 5,459 |
| Total domestic deposits to total assets | 81.5280% | 5,260 |
| Equity capital to assets | 10.0228% | 3,837 |
| Core capital (leverage) ratio | 9.1867% | 4,246 |
| Tier 1 risk-based capital ratio | 14.0939% | 3,599 |
| Total risk-based capital ratio | 15.0828% | 3,736 |
| Memoranda: | ||
| Average total assets | $281,101,000 | 2,387 |
| Average earning assets | $252,953,500 | 2,416 |
| Average equity | $27,934,000 | 2,376 |
| Average total loans | $156,884,500 | 2,796 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8914% | 2,275 |
| Cost of funding earning assets | 2.2247% | 1,923 |
| Net interest margin | 3.6667% | 4,274 |
| Noninterest income to average assets | 0.9801% | 1,640 |
| Noninterest expense to average assets | 3.2257% | 3,292 |
| Loan and lease loss provision to assets | 0.4752% | 3,981 |
| Net operating income to assets | 0.5488% | 3,535 |
| Return on assets (ROA) | 0.5644% | 3,545 |
| Pretax return on assets | 0.6061% | 3,887 |
| Return on Equity (ROE) | 5.8349% | 3,279 |
| Retained earnings to average equity (ytd only) | 3.3860% | 2,796 |
| Net charge-offs to loans | 0.6784% | 3,153 |
| Credit loss provision to net charge-offs | 124.1643% | 4,232 |
| Earnings coverage of net charge-offs (x) | 2.7813% | 3,700 |
| Efficiency ratio | 75.1875% | 3,673 |
| Assets per employee ($millions) | 2.7269% | 6,802 |
| Cash dividends to net income (ytd only)* | 41.9689% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,628 |
| Loan loss allowance to noncurrent loans | 75.1548% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.1030% | 4,886 |
| Noncurrent loans to loans | 1.5349% | 4,349 |
| Net loans and leases to total assets | 56.1011% | 5,936 |
| Net loans and leases to deposits | 68.9959% | 5,727 |
| Net loans and leases to core deposits | 85.6896% | 5,547 |
| Total domestic deposits to total assets | 81.3108% | 5,229 |
| Equity capital to assets | 9.8501% | 3,944 |
| Core capital (leverage) ratio | 8.9453% | 4,515 |
| Tier 1 risk-based capital ratio | 13.7909% | 3,638 |
| Total risk-based capital ratio | 14.7906% | 3,743 |
| Memoranda: | ||
| Average total assets | $273,555,400 | 2,390 |
| Average earning assets | $246,952,600 | 2,435 |
| Average equity | $26,461,600 | 2,492 |
| Average total loans | $154,340,800 | 2,856 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9419% | 2,268 |
| Cost of funding earning assets | 2.2614% | 2,145 |
| Net interest margin | 3.6805% | 4,160 |
| Noninterest income to average assets | 0.9559% | 1,759 |
| Noninterest expense to average assets | 3.2049% | 3,285 |
| Loan and lease loss provision to assets | 0.4772% | 3,523 |
| Net operating income to assets | 0.5538% | 3,774 |
| Return on assets (ROA) | 0.5673% | 3,805 |
| Pretax return on assets | 0.6143% | 4,147 |
| Return on Equity (ROE) | 5.8918% | 3,571 |
| Retained earnings to average equity (ytd only) | 4.5193% | 2,745 |
| Net charge-offs to loans | 0.0973% | 5,699 |
| Credit loss provision to net charge-offs | 870.5357% | 434 |
| Earnings coverage of net charge-offs (x) | 19.6428% | 1,277 |
| Efficiency ratio | 74.8514% | 3,717 |
| Assets per employee ($millions) | 2.7361% | 6,768 |
| Cash dividends to net income (ytd only)* | 23.2960% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 3,265 |
| Loan loss allowance to noncurrent loans | 63.4465% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.4222% | 4,259 |
| Noncurrent loans to loans | 2.4151% | 3,120 |
| Net loans and leases to total assets | 55.4096% | 6,212 |
| Net loans and leases to deposits | 70.6421% | 5,829 |
| Net loans and leases to core deposits | 86.5780% | 5,812 |
| Total domestic deposits to total assets | 78.4370% | 5,968 |
| Equity capital to assets | 9.8071% | 4,341 |
| Core capital (leverage) ratio | 8.9846% | 4,670 |
| Tier 1 risk-based capital ratio | 13.5909% | 3,781 |
| Total risk-based capital ratio | 14.7365% | 3,794 |
| Memoranda: | ||
| Average total assets | $272,409,500 | 2,407 |
| Average earning assets | $246,153,250 | 2,459 |
| Average equity | $26,227,750 | 2,537 |
| Average total loans | $153,461,000 | 2,892 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0229% | 2,086 |
| Cost of funding earning assets | 2.2986% | 2,358 |
| Net interest margin | 3.7242% | 3,857 |
| Noninterest income to average assets | 0.9574% | 1,735 |
| Noninterest expense to average assets | 3.2770% | 3,062 |
| Loan and lease loss provision to assets | 0.2785% | 4,346 |
| Net operating income to assets | 0.6632% | 3,415 |
| Return on assets (ROA) | 0.6826% | 3,449 |
| Pretax return on assets | 0.7828% | 3,729 |
| Return on Equity (ROE) | 7.1357% | 3,146 |
| Retained earnings to average equity (ytd only) | 5.0393% | 2,483 |
| Net charge-offs to loans | -0.0105% | 7,613 |
| Credit loss provision to net charge-offs | -4,687.5000% | 7,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9250% | 3,704 |
| Assets per employee ($millions) | 2.6458% | 6,962 |
| Cash dividends to net income (ytd only)* | 29.3798% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 4,535 |
| Loan loss allowance to noncurrent loans | 61.6819% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.1607% | 4,618 |
| Noncurrent loans to loans | 2.0428% | 3,456 |
| Net loans and leases to total assets | 56.1009% | 6,194 |
| Net loans and leases to deposits | 71.3142% | 5,834 |
| Net loans and leases to core deposits | 85.7141% | 5,932 |
| Total domestic deposits to total assets | 78.6673% | 5,907 |
| Equity capital to assets | 9.4002% | 4,749 |
| Core capital (leverage) ratio | 9.1521% | 4,382 |
| Tier 1 risk-based capital ratio | 13.7078% | 3,688 |
| Total risk-based capital ratio | 14.7830% | 3,731 |
| Memoranda: | ||
| Average total assets | $269,274,000 | 2,447 |
| Average earning assets | $242,841,000 | 2,496 |
| Average equity | $25,757,670 | 2,576 |
| Average total loans | $151,753,670 | 2,944 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0700% | 2,077 |
| Cost of funding earning assets | 2.3373% | 2,550 |
| Net interest margin | 3.7327% | 3,748 |
| Noninterest income to average assets | 0.9340% | 1,722 |
| Noninterest expense to average assets | 3.3297% | 2,571 |
| Loan and lease loss provision to assets | 0.1121% | 5,529 |
| Net operating income to assets | 0.7269% | 3,433 |
| Return on assets (ROA) | 0.7532% | 3,510 |
| Pretax return on assets | 0.8937% | 3,743 |
| Return on Equity (ROE) | 7.8055% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.8055% | 1,890 |
| Net charge-offs to loans | -0.0293% | 7,548 |
| Credit loss provision to net charge-offs | -681.8182% | 6,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3611% | 3,276 |
| Assets per employee ($millions) | 2.6327% | 7,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 5,477 |
| Loan loss allowance to noncurrent loans | 110.1932% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 5,710 |
| Noncurrent loans to loans | 0.9972% | 5,001 |
| Net loans and leases to total assets | 54.8988% | 6,365 |
| Net loans and leases to deposits | 70.1055% | 5,967 |
| Net loans and leases to core deposits | 84.8932% | 5,988 |
| Total domestic deposits to total assets | 78.3089% | 5,923 |
| Equity capital to assets | 9.5123% | 4,646 |
| Core capital (leverage) ratio | 9.2237% | 4,373 |
| Tier 1 risk-based capital ratio | 13.8315% | 3,676 |
| Total risk-based capital ratio | 14.7566% | 3,785 |
| Memoranda: | ||
| Average total assets | $267,653,000 | 2,483 |
| Average earning assets | $241,648,000 | 2,521 |
| Average equity | $25,828,000 | 2,581 |
| Average total loans | $150,213,000 | 3,005 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4140% | 3,340 |
| Cost of funding earning assets | 2.8469% | 2,489 |
| Net interest margin | 3.5672% | 5,028 |
| Noninterest income to average assets | 0.9675% | 1,700 |
| Noninterest expense to average assets | 3.1670% | 3,458 |
| Loan and lease loss provision to assets | 0.1153% | 5,897 |
| Net operating income to assets | 0.7332% | 3,745 |
| Return on assets (ROA) | 0.7461% | 3,529 |
| Pretax return on assets | 0.9049% | 3,704 |
| Return on Equity (ROE) | 7.6231% | 3,230 |
| Retained earnings to average equity (ytd only) | 4.7011% | 2,203 |
| Net charge-offs to loans | 0.1578% | 4,622 |
| Credit loss provision to net charge-offs | 127.1186% | 4,199 |
| Earnings coverage of net charge-offs (x) | 11.0720% | 2,415 |
| Efficiency ratio | 75.8201% | 3,263 |
| Assets per employee ($millions) | 2.5896% | 7,027 |
| Cash dividends to net income (ytd only)* | 38.3308% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 5,653 |
| Loan loss allowance to noncurrent loans | 130.3156% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 5,632 |
| Noncurrent loans to loans | 0.8032% | 5,037 |
| Net loans and leases to total assets | 56.1581% | 6,418 |
| Net loans and leases to deposits | 72.1538% | 6,043 |
| Net loans and leases to core deposits | 86.6899% | 6,089 |
| Total domestic deposits to total assets | 77.8311% | 5,766 |
| Equity capital to assets | 9.7910% | 4,303 |
| Core capital (leverage) ratio | 9.1615% | 4,501 |
| Tier 1 risk-based capital ratio | 14.8335% | 3,130 |
| Total risk-based capital ratio | 15.7942% | 3,194 |
| Memoranda: | ||
| Average total assets | $260,150,400 | 2,458 |
| Average earning assets | $233,659,600 | 2,523 |
| Average equity | $25,462,000 | 2,605 |
| Average total loans | $149,585,200 | 2,937 |