Home > Merchants & Marine Bank > Performance and Condition Ratios
Merchants & Marine 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 | 5.1902% | 1,685 |
| Cost of funding earning assets | 0.3237% | 4,361 |
| Net interest margin | 4.8665% | 383 |
| Noninterest income to average assets | 1.7300% | 318 |
| Noninterest expense to average assets | 4.8978% | 237 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9290% | 2,452 |
| Return on assets (ROA) | 0.9397% | 2,390 |
| Pretax return on assets | 1.1606% | 2,237 |
| Return on Equity (ROE) | 7.1900% | 3,235 |
| Retained earnings to average equity (ytd only) | 4.6824% | 2,720 |
| Net charge-offs to loans | 0.0699% | 1,151 |
| Credit loss provision to net charge-offs | -117.8694% | 4,483 |
| Earnings coverage of net charge-offs (x) | 27.3402% | 1,686 |
| Efficiency ratio | 80.4641% | 887 |
| Assets per employee ($millions) | 3.4003% | 4,311 |
| Cash dividends to net income (ytd only)* | 34.9133% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8070% | 531 |
| Loan loss allowance to noncurrent loans | 313.8311% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 1,522 |
| Noncurrent loans to loans | 0.5758% | 1,362 |
| Net loans and leases to total assets | 60.8600% | 2,765 |
| Net loans and leases to deposits | 78.6074% | 2,219 |
| Net loans and leases to core deposits | 79.6984% | 2,720 |
| Total domestic deposits to total assets | 77.4200% | 3,797 |
| Equity capital to assets | 13.2288% | 817 |
| Core capital (leverage) ratio | 15.0699% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3254% | 661 |
| Memoranda: | ||
| Average total assets | $669,055,400 | 1,353 |
| Average earning assets | $599,344,800 | 1,379 |
| Average equity | $87,391,800 | 1,058 |
| Average total loans | $416,196,200 | 1,438 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1560% | 1,535 |
| Cost of funding earning assets | 0.2357% | 4,412 |
| Net interest margin | 4.9204% | 345 |
| Noninterest income to average assets | 1.8800% | 303 |
| Noninterest expense to average assets | 4.8894% | 229 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.0933% | 2,080 |
| Return on assets (ROA) | 1.0932% | 2,062 |
| Pretax return on assets | 1.3826% | 1,816 |
| Return on Equity (ROE) | 8.4000% | 3,089 |
| Retained earnings to average equity (ytd only) | 6.2440% | 2,553 |
| Net charge-offs to loans | 0.0780% | 937 |
| Credit loss provision to net charge-offs | 17.7686% | 2,020 |
| Earnings coverage of net charge-offs (x) | 28.6612% | 1,614 |
| Efficiency ratio | 77.8459% | 1,025 |
| Assets per employee ($millions) | 3.2936% | 4,363 |
| Cash dividends to net income (ytd only)* | 25.6377% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9811% | 402 |
| Loan loss allowance to noncurrent loans | 278.8062% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 1,250 |
| Noncurrent loans to loans | 0.7105% | 1,164 |
| Net loans and leases to total assets | 63.7200% | 2,474 |
| Net loans and leases to deposits | 75.1513% | 2,484 |
| Net loans and leases to core deposits | 76.6844% | 2,820 |
| Total domestic deposits to total assets | 84.7900% | 2,564 |
| Equity capital to assets | 13.2334% | 770 |
| Core capital (leverage) ratio | 15.3249% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7768% | 569 |
| Memoranda: | ||
| Average total assets | $664,605,250 | 1,359 |
| Average earning assets | $594,574,750 | 1,391 |
| Average equity | $86,524,000 | 1,064 |
| Average total loans | $413,823,750 | 1,434 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9516% | 1,646 |
| Cost of funding earning assets | 0.2184% | 4,411 |
| Net interest margin | 4.7332% | 434 |
| Noninterest income to average assets | 1.0400% | 529 |
| Noninterest expense to average assets | 4.5147% | 271 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.6136% | 3,547 |
| Return on assets (ROA) | 0.6188% | 3,540 |
| Pretax return on assets | 0.7133% | 3,578 |
| Return on Equity (ROE) | 4.7800% | 3,908 |
| Retained earnings to average equity (ytd only) | 2.6355% | 3,568 |
| Net charge-offs to loans | 0.0966% | 694 |
| Credit loss provision to net charge-offs | 93.9698% | 1,488 |
| Earnings coverage of net charge-offs (x) | 12.8643% | 1,924 |
| Efficiency ratio | 85.5416% | 517 |
| Assets per employee ($millions) | 3.4120% | 4,363 |
| Cash dividends to net income (ytd only)* | 44.8459% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9691% | 439 |
| Loan loss allowance to noncurrent loans | 141.7804% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 551 |
| Noncurrent loans to loans | 1.3888% | 505 |
| Net loans and leases to total assets | 62.8500% | 2,493 |
| Net loans and leases to deposits | 73.9968% | 2,492 |
| Net loans and leases to core deposits | 75.9809% | 2,761 |
| Total domestic deposits to total assets | 84.9400% | 2,559 |
| Equity capital to assets | 13.0927% | 791 |
| Core capital (leverage) ratio | 14.5958% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9817% | 814 |
| Memoranda: | ||
| Average total assets | $670,957,333 | 1,347 |
| Average earning assets | $600,738,667 | 1,378 |
| Average equity | $86,889,333 | 1,051 |
| Average total loans | $411,873,333 | 1,428 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 1,669 |
| Cost of funding earning assets | 0.2008% | 4,378 |
| Net interest margin | 4.5791% | 518 |
| Noninterest income to average assets | 0.9800% | 598 |
| Noninterest expense to average assets | 4.1877% | 322 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.6902% | 3,496 |
| Return on assets (ROA) | 0.7101% | 3,398 |
| Pretax return on assets | 0.8295% | 3,399 |
| Return on Equity (ROE) | 5.5500% | 3,795 |
| Retained earnings to average equity (ytd only) | 3.3946% | 3,412 |
| Net charge-offs to loans | -0.0305% | 4,226 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.4084% | 684 |
| Assets per employee ($millions) | 3.7412% | 4,349 |
| Cash dividends to net income (ytd only)* | 38.8010% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0693% | 392 |
| Loan loss allowance to noncurrent loans | 172.5152% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 650 |
| Noncurrent loans to loans | 1.1995% | 576 |
| Net loans and leases to total assets | 60.4400% | 2,604 |
| Net loans and leases to deposits | 70.7951% | 2,553 |
| Net loans and leases to core deposits | 73.0221% | 2,748 |
| Total domestic deposits to total assets | 85.3800% | 2,750 |
| Equity capital to assets | 12.7940% | 806 |
| Core capital (leverage) ratio | 14.1083% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0575% | 740 |
| Memoranda: | ||
| Average total assets | $676,559,500 | 1,346 |
| Average earning assets | $605,619,500 | 1,389 |
| Average equity | $86,608,000 | 1,066 |
| Average total loans | $406,697,000 | 1,458 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5178% | 2,560 |
| Cost of funding earning assets | 0.2310% | 2,915 |
| Net interest margin | 3.2868% | 2,335 |
| Noninterest income to average assets | 1.1300% | 547 |
| Noninterest expense to average assets | 3.7056% | 402 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.3730% | 4,283 |
| Return on assets (ROA) | 0.3678% | 4,242 |
| Pretax return on assets | 0.3395% | 4,339 |
| Return on Equity (ROE) | 3.2000% | 4,274 |
| Retained earnings to average equity (ytd only) | 1.2740% | 4,179 |
| Net charge-offs to loans | 0.0500% | 982 |
| Credit loss provision to net charge-offs | 68.3824% | 1,461 |
| Earnings coverage of net charge-offs (x) | 14.3750% | 1,863 |
| Efficiency ratio | 91.1027% | 295 |
| Assets per employee ($millions) | 4.0945% | 4,274 |
| Cash dividends to net income (ytd only)* | 60.2416% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 3,631 |
| Loan loss allowance to noncurrent loans | 63.7306% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.8068% | 622 |
| Noncurrent loans to loans | 1.5158% | 463 |
| Net loans and leases to total assets | 51.9200% | 3,282 |
| Net loans and leases to deposits | 60.4863% | 3,153 |
| Net loans and leases to core deposits | 61.9267% | 3,244 |
| Total domestic deposits to total assets | 85.8400% | 3,101 |
| Equity capital to assets | 12.3586% | 804 |
| Core capital (leverage) ratio | 13.5283% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1308% | 631 |
| Memoranda: | ||
| Average total assets | $720,258,000 | 1,292 |
| Average earning assets | $643,525,250 | 1,322 |
| Average equity | $82,675,750 | 1,114 |
| Average total loans | $362,785,500 | 1,498 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2631% | 2,863 |
| Cost of funding earning assets | 0.2740% | 1,971 |
| Net interest margin | 2.9891% | 2,912 |
| Noninterest income to average assets | 1.1783% | 489 |
| Noninterest expense to average assets | 3.7158% | 347 |
| Loan and lease loss provision to assets | 0.0598% | 1,520 |
| Net operating income to assets | 0.1397% | 4,482 |
| Return on assets (ROA) | 0.1304% | 4,456 |
| Pretax return on assets | 0.0722% | 4,503 |
| Return on Equity (ROE) | 1.1647% | 4,443 |
| Retained earnings to average equity (ytd only) | -0.8003% | 4,278 |
| Net charge-offs to loans | 0.1442% | 450 |
| Credit loss provision to net charge-offs | 83.4615% | 1,370 |
| Earnings coverage of net charge-offs (x) | 1.9731% | 2,046 |
| Efficiency ratio | 96.3341% | 240 |
| Assets per employee ($millions) | 4.6052% | 4,002 |
| Cash dividends to net income (ytd only)* | 168.7104% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 3,737 |
| Loan loss allowance to noncurrent loans | 106.1607% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 1,144 |
| Noncurrent loans to loans | 0.9121% | 919 |
| Net loans and leases to total assets | 47.7194% | 3,573 |
| Net loans and leases to deposits | 54.9658% | 3,468 |
| Net loans and leases to core deposits | 56.3878% | 3,533 |
| Total domestic deposits to total assets | 86.8166% | 3,004 |
| Equity capital to assets | 11.7696% | 945 |
| Core capital (leverage) ratio | 12.9305% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3291% | 600 |
| Memoranda: | ||
| Average total assets | $725,595,333 | 1,285 |
| Average earning assets | $650,292,333 | 1,327 |
| Average equity | $81,222,667 | 1,146 |
| Average total loans | $360,636,000 | 1,501 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1253% | 2,892 |
| Cost of funding earning assets | 0.2321% | 2,363 |
| Net interest margin | 2.8932% | 2,865 |
| Noninterest income to average assets | 1.1470% | 523 |
| Noninterest expense to average assets | 3.6485% | 367 |
| Loan and lease loss provision to assets | 0.1212% | 686 |
| Net operating income to assets | 0.0846% | 4,487 |
| Return on assets (ROA) | 0.0895% | 4,454 |
| Pretax return on assets | -0.0255% | 4,532 |
| Return on Equity (ROE) | 0.8224% | 4,449 |
| Retained earnings to average equity (ytd only) | -1.2544% | 4,168 |
| Net charge-offs to loans | 0.2399% | 259 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 0.7383% | 1,761 |
| Efficiency ratio | 97.6057% | 286 |
| Assets per employee ($millions) | 4.4185% | 4,185 |
| Cash dividends to net income (ytd only)* | 252.5316% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 3,754 |
| Loan loss allowance to noncurrent loans | 79.8143% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7001% | 808 |
| Noncurrent loans to loans | 1.2469% | 701 |
| Net loans and leases to total assets | 48.9646% | 3,284 |
| Net loans and leases to deposits | 55.2757% | 3,318 |
| Net loans and leases to core deposits | 56.7284% | 3,395 |
| Total domestic deposits to total assets | 88.5825% | 2,261 |
| Equity capital to assets | 10.0843% | 1,835 |
| Core capital (leverage) ratio | 11.1400% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7344% | 1,096 |
| Memoranda: | ||
| Average total assets | $706,162,000 | 1,313 |
| Average earning assets | $632,386,000 | 1,357 |
| Average equity | $76,847,000 | 1,233 |
| Average total loans | $356,772,000 | 1,500 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5312% | 2,574 |
| Cost of funding earning assets | 0.3457% | 1,976 |
| Net interest margin | 3.1855% | 2,640 |
| Noninterest income to average assets | 1.0289% | 942 |
| Noninterest expense to average assets | 3.3013% | 628 |
| Loan and lease loss provision to assets | 0.1990% | 545 |
| Net operating income to assets | 0.3212% | 4,399 |
| Return on assets (ROA) | 0.3298% | 4,406 |
| Pretax return on assets | 0.3942% | 4,396 |
| Return on Equity (ROE) | 2.9080% | 4,372 |
| Retained earnings to average equity (ytd only) | 0.4754% | 4,380 |
| Net charge-offs to loans | 0.5601% | 145 |
| Credit loss provision to net charge-offs | 71.6272% | 2,005 |
| Earnings coverage of net charge-offs (x) | 2.0984% | 2,593 |
| Efficiency ratio | 84.9936% | 518 |
| Assets per employee ($millions) | 4.3517% | 4,229 |
| Cash dividends to net income (ytd only)* | 83.6513% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,632 |
| Loan loss allowance to noncurrent loans | 70.5216% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.7901% | 759 |
| Noncurrent loans to loans | 1.4593% | 629 |
| Net loans and leases to total assets | 51.1425% | 3,159 |
| Net loans and leases to deposits | 59.0455% | 3,162 |
| Net loans and leases to core deposits | 60.8164% | 3,256 |
| Total domestic deposits to total assets | 86.6154% | 2,659 |
| Equity capital to assets | 11.7445% | 1,370 |
| Core capital (leverage) ratio | 11.1118% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7828% | 924 |
| Memoranda: | ||
| Average total assets | $699,115,200 | 1,287 |
| Average earning assets | $626,643,600 | 1,329 |
| Average equity | $79,299,600 | 1,214 |
| Average total loans | $346,719,600 | 1,530 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 2,357 |
| Cost of funding earning assets | 0.3703% | 1,935 |
| Net interest margin | 3.2987% | 2,416 |
| Noninterest income to average assets | 1.0478% | 992 |
| Noninterest expense to average assets | 3.2572% | 639 |
| Loan and lease loss provision to assets | 0.2509% | 365 |
| Net operating income to assets | 0.4069% | 4,365 |
| Return on assets (ROA) | 0.4173% | 4,379 |
| Pretax return on assets | 0.5107% | 4,359 |
| Return on Equity (ROE) | 3.7107% | 4,348 |
| Retained earnings to average equity (ytd only) | 1.6954% | 4,271 |
| Net charge-offs to loans | 0.7235% | 105 |
| Credit loss provision to net charge-offs | 70.6290% | 1,756 |
| Earnings coverage of net charge-offs (x) | 2.1082% | 2,361 |
| Efficiency ratio | 81.3073% | 682 |
| Assets per employee ($millions) | 4.6673% | 3,994 |
| Cash dividends to net income (ytd only)* | 54.3103% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 3,629 |
| Loan loss allowance to noncurrent loans | 77.5177% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 1,056 |
| Noncurrent loans to loans | 1.3644% | 781 |
| Net loans and leases to total assets | 48.5601% | 3,568 |
| Net loans and leases to deposits | 55.9525% | 3,583 |
| Net loans and leases to core deposits | 57.7591% | 3,647 |
| Total domestic deposits to total assets | 86.7880% | 2,436 |
| Equity capital to assets | 11.4471% | 1,714 |
| Core capital (leverage) ratio | 10.8828% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7772% | 852 |
| Memoranda: | ||
| Average total assets | $704,179,000 | 1,300 |
| Average earning assets | $631,511,750 | 1,332 |
| Average equity | $79,192,250 | 1,235 |
| Average total loans | $345,700,500 | 1,563 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8365% | 1,976 |
| Cost of funding earning assets | 0.3868% | 1,993 |
| Net interest margin | 3.4497% | 2,009 |
| Noninterest income to average assets | 0.6251% | 2,108 |
| Noninterest expense to average assets | 3.2426% | 674 |
| Loan and lease loss provision to assets | 0.0071% | 2,769 |
| Net operating income to assets | 0.3997% | 4,380 |
| Return on assets (ROA) | 0.4234% | 4,383 |
| Pretax return on assets | 0.5063% | 4,384 |
| Return on Equity (ROE) | 3.7873% | 4,368 |
| Retained earnings to average equity (ytd only) | 1.7684% | 4,172 |
| Net charge-offs to loans | 0.1452% | 563 |
| Credit loss provision to net charge-offs | 9.9206% | 1,775 |
| Earnings coverage of net charge-offs (x) | 6.8056% | 1,941 |
| Efficiency ratio | 86.9869% | 438 |
| Assets per employee ($millions) | 4.8143% | 3,825 |
| Cash dividends to net income (ytd only)* | 53.3066% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 2,814 |
| Loan loss allowance to noncurrent loans | 50.8400% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.0793% | 691 |
| Noncurrent loans to loans | 2.4029% | 354 |
| Net loans and leases to total assets | 43.4697% | 4,078 |
| Net loans and leases to deposits | 49.8523% | 4,122 |
| Net loans and leases to core deposits | 51.3908% | 4,163 |
| Total domestic deposits to total assets | 87.1970% | 2,220 |
| Equity capital to assets | 10.8763% | 2,090 |
| Core capital (leverage) ratio | 10.4984% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4204% | 767 |
| Memoranda: | ||
| Average total assets | $707,095,000 | 1,293 |
| Average earning assets | $635,942,667 | 1,321 |
| Average equity | $79,054,000 | 1,233 |
| Average total loans | $347,163,333 | 1,571 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5020% | 2,922 |
| Cost of funding earning assets | 0.3498% | 2,519 |
| Net interest margin | 3.1522% | 2,832 |
| Noninterest income to average assets | 0.6995% | 1,868 |
| Noninterest expense to average assets | 3.1965% | 722 |
| Loan and lease loss provision to assets | -0.0086% | 4,574 |
| Net operating income to assets | 0.2960% | 4,524 |
| Return on assets (ROA) | 0.3293% | 4,515 |
| Pretax return on assets | 0.3898% | 4,497 |
| Return on Equity (ROE) | 2.9041% | 4,489 |
| Retained earnings to average equity (ytd only) | 0.8783% | 4,239 |
| Net charge-offs to loans | 0.2357% | 360 |
| Credit loss provision to net charge-offs | -7.0755% | 2,690 |
| Earnings coverage of net charge-offs (x) | 2.7972% | 1,794 |
| Efficiency ratio | 90.3499% | 362 |
| Assets per employee ($millions) | 4.8546% | 3,794 |
| Cash dividends to net income (ytd only)* | 69.7552% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 3,406 |
| Loan loss allowance to noncurrent loans | 41.8689% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.2901% | 550 |
| Noncurrent loans to loans | 2.6401% | 339 |
| Net loans and leases to total assets | 47.3850% | 3,870 |
| Net loans and leases to deposits | 54.1125% | 3,929 |
| Net loans and leases to core deposits | 55.8670% | 3,983 |
| Total domestic deposits to total assets | 87.5676% | 2,060 |
| Equity capital to assets | 10.5365% | 2,233 |
| Core capital (leverage) ratio | 11.5783% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7259% | 707 |
| Memoranda: | ||
| Average total assets | $694,759,000 | 1,294 |
| Average earning assets | $625,585,000 | 1,327 |
| Average equity | $78,786,500 | 1,229 |
| Average total loans | $359,729,500 | 1,525 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6375% | 3,727 |
| Cost of funding earning assets | 0.5636% | 2,542 |
| Net interest margin | 3.0739% | 3,692 |
| Noninterest income to average assets | 0.8380% | 1,425 |
| Noninterest expense to average assets | 3.0985% | 1,234 |
| Loan and lease loss provision to assets | 0.1538% | 2,450 |
| Net operating income to assets | 0.2635% | 4,487 |
| Return on assets (ROA) | 0.6648% | 3,666 |
| Pretax return on assets | 0.8392% | 3,533 |
| Return on Equity (ROE) | 5.2769% | 3,825 |
| Retained earnings to average equity (ytd only) | 2.4594% | 3,625 |
| Net charge-offs to loans | 0.0417% | 2,229 |
| Credit loss provision to net charge-offs | 674.4681% | 1,016 |
| Earnings coverage of net charge-offs (x) | 21.2695% | 1,906 |
| Efficiency ratio | 86.4660% | 514 |
| Assets per employee ($millions) | 4.3997% | 4,017 |
| Cash dividends to net income (ytd only)* | 53.3933% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 3,232 |
| Loan loss allowance to noncurrent loans | 43.8554% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.4959% | 491 |
| Noncurrent loans to loans | 2.6097% | 378 |
| Net loans and leases to total assets | 55.5705% | 3,341 |
| Net loans and leases to deposits | 64.9816% | 3,362 |
| Net loans and leases to core deposits | 67.5258% | 3,438 |
| Total domestic deposits to total assets | 85.5173% | 2,561 |
| Equity capital to assets | 12.2630% | 1,443 |
| Core capital (leverage) ratio | 11.9152% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8383% | 791 |
| Memoranda: | ||
| Average total assets | $618,359,200 | 1,302 |
| Average earning assets | $552,301,600 | 1,342 |
| Average equity | $77,905,600 | 1,177 |
| Average total loans | $338,425,000 | 1,541 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6629% | 3,884 |
| Cost of funding earning assets | 0.6116% | 2,540 |
| Net interest margin | 3.0513% | 3,862 |
| Noninterest income to average assets | 0.7261% | 1,715 |
| Noninterest expense to average assets | 2.9621% | 1,523 |
| Loan and lease loss provision to assets | 0.1356% | 2,659 |
| Net operating income to assets | 0.2796% | 4,475 |
| Return on assets (ROA) | 0.8300% | 3,107 |
| Pretax return on assets | 1.0271% | 2,970 |
| Return on Equity (ROE) | 6.5415% | 3,359 |
| Retained earnings to average equity (ytd only) | 4.1398% | 2,973 |
| Net charge-offs to loans | 0.0149% | 2,589 |
| Credit loss provision to net charge-offs | 1,681.0811% | 566 |
| Earnings coverage of net charge-offs (x) | 59.8919% | 1,100 |
| Efficiency ratio | 85.9711% | 501 |
| Assets per employee ($millions) | 4.5153% | 3,835 |
| Cash dividends to net income (ytd only)* | 36.7148% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 3,043 |
| Loan loss allowance to noncurrent loans | 64.0521% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 1,107 |
| Noncurrent loans to loans | 1.7625% | 759 |
| Net loans and leases to total assets | 54.5307% | 3,753 |
| Net loans and leases to deposits | 64.1828% | 3,783 |
| Net loans and leases to core deposits | 66.7295% | 3,846 |
| Total domestic deposits to total assets | 84.9615% | 2,451 |
| Equity capital to assets | 12.5769% | 1,387 |
| Core capital (leverage) ratio | 12.2588% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8817% | 521 |
| Memoranda: | ||
| Average total assets | $611,259,000 | 1,294 |
| Average earning assets | $544,767,000 | 1,338 |
| Average equity | $77,554,000 | 1,176 |
| Average total loans | $332,139,000 | 1,568 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7905% | 3,884 |
| Cost of funding earning assets | 0.6412% | 2,752 |
| Net interest margin | 3.1493% | 3,787 |
| Noninterest income to average assets | 0.7427% | 1,604 |
| Noninterest expense to average assets | 2.9740% | 1,650 |
| Loan and lease loss provision to assets | 0.1605% | 2,395 |
| Net operating income to assets | 0.3320% | 4,361 |
| Return on assets (ROA) | 1.1630% | 1,879 |
| Pretax return on assets | 1.4331% | 1,632 |
| Return on Equity (ROE) | 9.1386% | 2,299 |
| Retained earnings to average equity (ytd only) | 6.7174% | 1,770 |
| Net charge-offs to loans | 0.0037% | 2,850 |
| Credit loss provision to net charge-offs | 8,083.3333% | 138 |
| Earnings coverage of net charge-offs (x) | 285.8333% | 330 |
| Efficiency ratio | 83.9735% | 638 |
| Assets per employee ($millions) | 4.5881% | 3,667 |
| Cash dividends to net income (ytd only)* | 26.4940% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 3,123 |
| Loan loss allowance to noncurrent loans | 70.8156% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 1,354 |
| Noncurrent loans to loans | 1.5395% | 979 |
| Net loans and leases to total assets | 54.0832% | 3,868 |
| Net loans and leases to deposits | 63.6641% | 3,904 |
| Net loans and leases to core deposits | 68.0859% | 3,859 |
| Total domestic deposits to total assets | 84.9508% | 2,419 |
| Equity capital to assets | 12.3100% | 1,474 |
| Core capital (leverage) ratio | 12.6249% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0916% | 764 |
| Memoranda: | ||
| Average total assets | $604,300,000 | 1,288 |
| Average earning assets | $537,079,333 | 1,334 |
| Average equity | $76,904,333 | 1,179 |
| Average total loans | $326,637,333 | 1,567 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 3,839 |
| Cost of funding earning assets | 0.6294% | 3,278 |
| Net interest margin | 3.3550% | 3,435 |
| Noninterest income to average assets | 0.8304% | 1,224 |
| Noninterest expense to average assets | 3.1629% | 1,502 |
| Loan and lease loss provision to assets | 0.0424% | 3,249 |
| Net operating income to assets | 0.4903% | 3,921 |
| Return on assets (ROA) | 0.5816% | 3,716 |
| Pretax return on assets | 0.7094% | 3,657 |
| Return on Equity (ROE) | 4.4895% | 3,826 |
| Retained earnings to average equity (ytd only) | 2.0311% | 3,437 |
| Net charge-offs to loans | 0.0789% | 1,236 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 15.1129% | 1,578 |
| Efficiency ratio | 83.1626% | 893 |
| Assets per employee ($millions) | 4.1814% | 3,683 |
| Cash dividends to net income (ytd only)* | 54.7591% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,400 |
| Loan loss allowance to noncurrent loans | 69.1784% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.9041% | 1,479 |
| Noncurrent loans to loans | 1.5344% | 1,034 |
| Net loans and leases to total assets | 52.6033% | 4,085 |
| Net loans and leases to deposits | 62.2027% | 4,089 |
| Net loans and leases to core deposits | 67.7451% | 4,002 |
| Total domestic deposits to total assets | 84.5676% | 2,577 |
| Equity capital to assets | 12.8804% | 1,506 |
| Core capital (leverage) ratio | 13.0579% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6232% | 684 |
| Memoranda: | ||
| Average total assets | $585,283,500 | 1,283 |
| Average earning assets | $518,624,000 | 1,333 |
| Average equity | $75,821,000 | 1,188 |
| Average total loans | $314,344,500 | 1,579 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1152% | 4,009 |
| Cost of funding earning assets | 0.6535% | 3,393 |
| Net interest margin | 3.4617% | 3,560 |
| Noninterest income to average assets | 1.1594% | 699 |
| Noninterest expense to average assets | 3.1957% | 1,533 |
| Loan and lease loss provision to assets | 0.1573% | 1,339 |
| Net operating income to assets | 0.7735% | 3,634 |
| Return on assets (ROA) | 0.7575% | 3,759 |
| Pretax return on assets | 0.8943% | 3,758 |
| Return on Equity (ROE) | 6.0116% | 3,916 |
| Retained earnings to average equity (ytd only) | 2.9837% | 3,540 |
| Net charge-offs to loans | 0.1912% | 1,062 |
| Credit loss provision to net charge-offs | 150.3322% | 1,698 |
| Earnings coverage of net charge-offs (x) | 10.2292% | 2,587 |
| Efficiency ratio | 74.9093% | 1,499 |
| Assets per employee ($millions) | 4.0908% | 3,786 |
| Cash dividends to net income (ytd only)* | 50.3671% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 3,104 |
| Loan loss allowance to noncurrent loans | 52.7633% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.2006% | 975 |
| Noncurrent loans to loans | 2.0291% | 629 |
| Net loans and leases to total assets | 53.6834% | 4,095 |
| Net loans and leases to deposits | 63.6844% | 4,095 |
| Net loans and leases to core deposits | 68.2179% | 4,070 |
| Total domestic deposits to total assets | 84.2961% | 2,756 |
| Equity capital to assets | 13.0309% | 1,502 |
| Core capital (leverage) ratio | 13.3128% | 1,110 |
| Tier 1 risk-based capital ratio | 20.0498% | 1,320 |
| Total risk-based capital ratio | 20.9623% | 1,339 |
| Memoranda: | ||
| Average total assets | $575,306,000 | 1,266 |
| Average earning assets | $516,307,200 | 1,297 |
| Average equity | $72,493,000 | 1,190 |
| Average total loans | $314,874,600 | 1,542 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 4,096 |
| Cost of funding earning assets | 0.6599% | 3,398 |
| Net interest margin | 3.4665% | 3,674 |
| Noninterest income to average assets | 1.0784% | 792 |
| Noninterest expense to average assets | 3.2175% | 1,431 |
| Loan and lease loss provision to assets | 0.1500% | 1,265 |
| Net operating income to assets | 0.6946% | 4,033 |
| Return on assets (ROA) | 0.6630% | 4,182 |
| Pretax return on assets | 0.7790% | 4,178 |
| Return on Equity (ROE) | 5.3072% | 4,240 |
| Retained earnings to average equity (ytd only) | 2.7139% | 4,007 |
| Net charge-offs to loans | 0.1454% | 1,114 |
| Credit loss provision to net charge-offs | 188.0814% | 1,388 |
| Earnings coverage of net charge-offs (x) | 12.1103% | 2,385 |
| Efficiency ratio | 76.9069% | 1,230 |
| Assets per employee ($millions) | 3.9867% | 3,926 |
| Cash dividends to net income (ytd only)* | 48.8633% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,287 |
| Loan loss allowance to noncurrent loans | 42.7314% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.5609% | 686 |
| Noncurrent loans to loans | 2.4574% | 481 |
| Net loans and leases to total assets | 55.0036% | 4,103 |
| Net loans and leases to deposits | 65.2136% | 4,114 |
| Net loans and leases to core deposits | 69.2851% | 4,091 |
| Total domestic deposits to total assets | 84.3437% | 2,695 |
| Equity capital to assets | 12.9161% | 1,676 |
| Core capital (leverage) ratio | 12.4298% | 1,612 |
| Tier 1 risk-based capital ratio | 19.0334% | 1,560 |
| Total risk-based capital ratio | 19.9578% | 1,605 |
| Memoranda: | ||
| Average total assets | $574,931,500 | 1,268 |
| Average earning assets | $515,009,750 | 1,307 |
| Average equity | $71,825,500 | 1,193 |
| Average total loans | $315,343,500 | 1,554 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 4,158 |
| Cost of funding earning assets | 0.6538% | 3,391 |
| Net interest margin | 3.4474% | 3,747 |
| Noninterest income to average assets | 1.0653% | 756 |
| Noninterest expense to average assets | 3.2051% | 1,495 |
| Loan and lease loss provision to assets | 0.1843% | 966 |
| Net operating income to assets | 0.6612% | 4,127 |
| Return on assets (ROA) | 0.5862% | 4,380 |
| Pretax return on assets | 0.6773% | 4,386 |
| Return on Equity (ROE) | 4.7459% | 4,409 |
| Retained earnings to average equity (ytd only) | 2.2153% | 4,049 |
| Net charge-offs to loans | 0.1445% | 1,072 |
| Credit loss provision to net charge-offs | 233.4802% | 1,078 |
| Earnings coverage of net charge-offs (x) | 12.0088% | 2,176 |
| Efficiency ratio | 77.1768% | 1,249 |
| Assets per employee ($millions) | 3.9063% | 3,987 |
| Cash dividends to net income (ytd only)* | 53.3215% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,338 |
| Loan loss allowance to noncurrent loans | 46.2973% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.4696% | 772 |
| Noncurrent loans to loans | 2.2652% | 585 |
| Net loans and leases to total assets | 55.0636% | 4,135 |
| Net loans and leases to deposits | 64.8914% | 4,171 |
| Net loans and leases to core deposits | 67.0019% | 4,263 |
| Total domestic deposits to total assets | 84.8549% | 2,544 |
| Equity capital to assets | 12.7286% | 1,732 |
| Core capital (leverage) ratio | 12.9239% | 1,337 |
| Tier 1 risk-based capital ratio | 19.7427% | 1,398 |
| Total risk-based capital ratio | 20.6495% | 1,428 |
| Memoranda: | ||
| Average total assets | $575,212,670 | 1,269 |
| Average earning assets | $515,164,000 | 1,304 |
| Average equity | $71,050,670 | 1,196 |
| Average total loans | $314,084,670 | 1,565 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 4,219 |
| Cost of funding earning assets | 0.8128% | 2,462 |
| Net interest margin | 3.2541% | 4,267 |
| Noninterest income to average assets | 0.7504% | 1,431 |
| Noninterest expense to average assets | 3.2794% | 1,329 |
| Loan and lease loss provision to assets | 0.1139% | 1,552 |
| Net operating income to assets | 0.2508% | 4,957 |
| Return on assets (ROA) | 0.2508% | 4,965 |
| Pretax return on assets | 0.2807% | 4,980 |
| Return on Equity (ROE) | 2.0619% | 4,958 |
| Retained earnings to average equity (ytd only) | -0.5997% | 4,605 |
| Net charge-offs to loans | 0.0424% | 1,666 |
| Credit loss provision to net charge-offs | 496.9697% | 621 |
| Earnings coverage of net charge-offs (x) | 17.2121% | 1,669 |
| Efficiency ratio | 89.2587% | 425 |
| Assets per employee ($millions) | 4.0874% | 3,798 |
| Cash dividends to net income (ytd only)* | 129.0859% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,706 |
| Loan loss allowance to noncurrent loans | 49.9607% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.2562% | 1,054 |
| Noncurrent loans to loans | 2.0018% | 743 |
| Net loans and leases to total assets | 53.0962% | 4,265 |
| Net loans and leases to deposits | 62.2114% | 4,293 |
| Net loans and leases to core deposits | 63.6434% | 4,403 |
| Total domestic deposits to total assets | 85.3480% | 2,544 |
| Equity capital to assets | 11.9846% | 2,031 |
| Core capital (leverage) ratio | 12.3217% | 1,594 |
| Tier 1 risk-based capital ratio | 19.9131% | 1,353 |
| Total risk-based capital ratio | 20.7930% | 1,405 |
| Memoranda: | ||
| Average total assets | $575,709,000 | 1,269 |
| Average earning assets | $517,251,000 | 1,301 |
| Average equity | $70,031,000 | 1,205 |
| Average total loans | $311,358,500 | 1,584 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8370% | 4,410 |
| Cost of funding earning assets | 0.4748% | 3,515 |
| Net interest margin | 3.3622% | 4,099 |
| Noninterest income to average assets | 1.0450% | 869 |
| Noninterest expense to average assets | 2.9987% | 2,045 |
| Loan and lease loss provision to assets | 0.1566% | 1,333 |
| Net operating income to assets | 0.7725% | 3,905 |
| Return on assets (ROA) | 0.7727% | 3,908 |
| Pretax return on assets | 0.8865% | 3,929 |
| Return on Equity (ROE) | 6.4088% | 4,033 |
| Retained earnings to average equity (ytd only) | 3.1772% | 3,809 |
| Net charge-offs to loans | 0.1082% | 1,663 |
| Credit loss provision to net charge-offs | 282.6923% | 1,073 |
| Earnings coverage of net charge-offs (x) | 18.8301% | 2,109 |
| Efficiency ratio | 74.1974% | 1,601 |
| Assets per employee ($millions) | 3.8270% | 4,143 |
| Cash dividends to net income (ytd only)* | 50.4250% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,695 |
| Loan loss allowance to noncurrent loans | 55.6509% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.1762% | 1,113 |
| Noncurrent loans to loans | 1.7966% | 794 |
| Net loans and leases to total assets | 54.0145% | 4,278 |
| Net loans and leases to deposits | 63.3747% | 4,287 |
| Net loans and leases to core deposits | 66.0972% | 4,348 |
| Total domestic deposits to total assets | 85.2304% | 2,543 |
| Equity capital to assets | 12.3549% | 1,663 |
| Core capital (leverage) ratio | 13.5285% | 1,069 |
| Tier 1 risk-based capital ratio | 20.3359% | 1,251 |
| Total risk-based capital ratio | 21.2357% | 1,284 |
| Memoranda: | ||
| Average total assets | $563,370,000 | 1,262 |
| Average earning assets | $502,112,000 | 1,307 |
| Average equity | $67,922,000 | 1,192 |
| Average total loans | $288,417,000 | 1,642 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 4,402 |
| Cost of funding earning assets | 0.4828% | 3,313 |
| Net interest margin | 3.3335% | 4,195 |
| Noninterest income to average assets | 1.0390% | 883 |
| Noninterest expense to average assets | 2.9721% | 2,101 |
| Loan and lease loss provision to assets | 0.1743% | 1,060 |
| Net operating income to assets | 0.7560% | 4,058 |
| Return on assets (ROA) | 0.7562% | 4,066 |
| Pretax return on assets | 0.8621% | 4,141 |
| Return on Equity (ROE) | 6.3113% | 4,166 |
| Retained earnings to average equity (ytd only) | 3.5577% | 3,986 |
| Net charge-offs to loans | 0.1224% | 1,286 |
| Credit loss provision to net charge-offs | 282.7586% | 1,072 |
| Earnings coverage of net charge-offs (x) | 16.8085% | 2,143 |
| Efficiency ratio | 74.1500% | 1,571 |
| Assets per employee ($millions) | 3.7251% | 4,270 |
| Cash dividends to net income (ytd only)* | 43.6289% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,761 |
| Loan loss allowance to noncurrent loans | 60.2938% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.0919% | 1,319 |
| Noncurrent loans to loans | 1.6586% | 942 |
| Net loans and leases to total assets | 53.0627% | 4,416 |
| Net loans and leases to deposits | 62.5286% | 4,423 |
| Net loans and leases to core deposits | 64.2643% | 4,503 |
| Total domestic deposits to total assets | 84.8615% | 2,663 |
| Equity capital to assets | 12.2748% | 1,722 |
| Core capital (leverage) ratio | 13.3034% | 1,175 |
| Tier 1 risk-based capital ratio | 20.5244% | 1,244 |
| Total risk-based capital ratio | 21.4195% | 1,275 |
| Memoranda: | ||
| Average total assets | $564,527,250 | 1,262 |
| Average earning assets | $502,844,250 | 1,303 |
| Average equity | $67,644,500 | 1,194 |
| Average total loans | $284,309,000 | 1,671 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7605% | 4,445 |
| Cost of funding earning assets | 0.5172% | 2,877 |
| Net interest margin | 3.2433% | 4,399 |
| Noninterest income to average assets | 1.0226% | 918 |
| Noninterest expense to average assets | 2.8654% | 2,449 |
| Loan and lease loss provision to assets | 0.1810% | 992 |
| Net operating income to assets | 0.7629% | 3,985 |
| Return on assets (ROA) | 0.7632% | 3,989 |
| Pretax return on assets | 0.8686% | 4,057 |
| Return on Equity (ROE) | 6.4197% | 4,089 |
| Retained earnings to average equity (ytd only) | 3.6667% | 3,761 |
| Net charge-offs to loans | 0.1454% | 1,050 |
| Credit loss provision to net charge-offs | 252.4510% | 1,129 |
| Earnings coverage of net charge-offs (x) | 14.6324% | 2,087 |
| Efficiency ratio | 73.1950% | 1,819 |
| Assets per employee ($millions) | 3.9444% | 3,998 |
| Cash dividends to net income (ytd only)* | 42.8835% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 4,062 |
| Loan loss allowance to noncurrent loans | 79.3682% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 1,808 |
| Noncurrent loans to loans | 1.2096% | 1,440 |
| Net loans and leases to total assets | 50.6564% | 4,569 |
| Net loans and leases to deposits | 59.1698% | 4,580 |
| Net loans and leases to core deposits | 60.7528% | 4,667 |
| Total domestic deposits to total assets | 85.6119% | 2,451 |
| Equity capital to assets | 11.9002% | 1,923 |
| Core capital (leverage) ratio | 12.8927% | 1,277 |
| Tier 1 risk-based capital ratio | 20.3689% | 1,262 |
| Total risk-based capital ratio | 21.1989% | 1,299 |
| Memoranda: | ||
| Average total assets | $568,933,670 | 1,257 |
| Average earning assets | $507,322,670 | 1,299 |
| Average equity | $67,635,330 | 1,192 |
| Average total loans | $280,580,670 | 1,689 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7412% | 4,379 |
| Cost of funding earning assets | 0.6116% | 1,972 |
| Net interest margin | 3.1296% | 4,646 |
| Noninterest income to average assets | 0.9835% | 943 |
| Noninterest expense to average assets | 2.9132% | 2,313 |
| Loan and lease loss provision to assets | 0.1553% | 1,166 |
| Net operating income to assets | 0.6358% | 4,321 |
| Return on assets (ROA) | 0.6358% | 4,334 |
| Pretax return on assets | 0.7116% | 4,411 |
| Return on Equity (ROE) | 5.3506% | 4,373 |
| Retained earnings to average equity (ytd only) | 2.5955% | 4,137 |
| Net charge-offs to loans | 0.0885% | 1,276 |
| Credit loss provision to net charge-offs | 362.2951% | 724 |
| Earnings coverage of net charge-offs (x) | 20.2295% | 1,476 |
| Efficiency ratio | 77.0675% | 1,450 |
| Assets per employee ($millions) | 4.0352% | 3,919 |
| Cash dividends to net income (ytd only)* | 51.4917% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 4,302 |
| Loan loss allowance to noncurrent loans | 83.5339% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.7648% | 2,040 |
| Noncurrent loans to loans | 1.1134% | 1,647 |
| Net loans and leases to total assets | 48.3583% | 4,675 |
| Net loans and leases to deposits | 56.3797% | 4,673 |
| Net loans and leases to core deposits | 59.0269% | 4,698 |
| Total domestic deposits to total assets | 85.7725% | 2,647 |
| Equity capital to assets | 11.5330% | 2,104 |
| Core capital (leverage) ratio | 11.8925% | 1,717 |
| Tier 1 risk-based capital ratio | 20.2895% | 1,297 |
| Total risk-based capital ratio | 21.0644% | 1,347 |
| Memoranda: | ||
| Average total assets | $569,402,000 | 1,270 |
| Average earning assets | $508,819,500 | 1,309 |
| Average equity | $67,656,500 | 1,202 |
| Average total loans | $275,613,000 | 1,715 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5489% | 4,696 |
| Cost of funding earning assets | 0.3659% | 3,554 |
| Net interest margin | 3.1830% | 4,491 |
| Noninterest income to average assets | 1.1189% | 815 |
| Noninterest expense to average assets | 2.7985% | 2,784 |
| Loan and lease loss provision to assets | 0.1422% | 1,596 |
| Net operating income to assets | 0.6168% | 3,941 |
| Return on assets (ROA) | 0.6198% | 3,971 |
| Pretax return on assets | 0.9908% | 3,612 |
| Return on Equity (ROE) | 5.2342% | 4,071 |
| Retained earnings to average equity (ytd only) | 2.1040% | 4,057 |
| Net charge-offs to loans | 0.5432% | 433 |
| Credit loss provision to net charge-offs | 56.3060% | 3,258 |
| Earnings coverage of net charge-offs (x) | 4.4666% | 3,462 |
| Efficiency ratio | 71.2658% | 2,344 |
| Assets per employee ($millions) | 3.8464% | 4,210 |
| Cash dividends to net income (ytd only)* | 59.8034% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 4,340 |
| Loan loss allowance to noncurrent loans | 61.8418% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 1.0831% | 1,407 |
| Noncurrent loans to loans | 1.4974% | 1,136 |
| Net loans and leases to total assets | 47.5342% | 4,802 |
| Net loans and leases to deposits | 55.9557% | 4,802 |
| Net loans and leases to core deposits | 58.8276% | 4,810 |
| Total domestic deposits to total assets | 84.9497% | 2,855 |
| Equity capital to assets | 12.2457% | 1,676 |
| Core capital (leverage) ratio | 12.3668% | 1,416 |
| Tier 1 risk-based capital ratio | 21.4685% | 1,073 |
| Total risk-based capital ratio | 22.2456% | 1,127 |
| Memoranda: | ||
| Average total assets | $574,387,000 | 1,242 |
| Average earning assets | $506,695,800 | 1,283 |
| Average equity | $68,014,600 | 1,177 |
| Average total loans | $267,114,600 | 1,723 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5343% | 4,731 |
| Cost of funding earning assets | 0.3703% | 3,458 |
| Net interest margin | 3.1640% | 4,550 |
| Noninterest income to average assets | 1.0082% | 1,005 |
| Noninterest expense to average assets | 2.7583% | 2,868 |
| Loan and lease loss provision to assets | 0.1208% | 1,793 |
| Net operating income to assets | 0.7012% | 3,973 |
| Return on assets (ROA) | 0.7047% | 4,021 |
| Pretax return on assets | 0.9218% | 3,962 |
| Return on Equity (ROE) | 6.0009% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.3910% | 3,906 |
| Net charge-offs to loans | 0.6771% | 285 |
| Credit loss provision to net charge-offs | 38.6431% | 3,004 |
| Earnings coverage of net charge-offs (x) | 3.3215% | 3,356 |
| Efficiency ratio | 72.6583% | 2,106 |
| Assets per employee ($millions) | 4.2406% | 3,579 |
| Cash dividends to net income (ytd only)* | 43.4925% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 4,714 |
| Loan loss allowance to noncurrent loans | 77.8689% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 0.9463% | 1,799 |
| Noncurrent loans to loans | 1.1072% | 1,737 |
| Net loans and leases to total assets | 46.8378% | 4,891 |
| Net loans and leases to deposits | 55.4274% | 4,897 |
| Net loans and leases to core deposits | 58.3549% | 4,900 |
| Total domestic deposits to total assets | 84.5030% | 2,916 |
| Equity capital to assets | 12.4188% | 1,705 |
| Core capital (leverage) ratio | 11.9641% | 1,707 |
| Tier 1 risk-based capital ratio | 20.3499% | 1,300 |
| Total risk-based capital ratio | 21.0711% | 1,365 |
| Memoranda: | ||
| Average total assets | $578,551,000 | 1,243 |
| Average earning assets | $509,808,000 | 1,289 |
| Average equity | $67,943,750 | 1,182 |
| Average total loans | $266,995,500 | 1,734 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4984% | 4,770 |
| Cost of funding earning assets | 0.3781% | 3,307 |
| Net interest margin | 3.1203% | 4,628 |
| Noninterest income to average assets | 1.0030% | 1,012 |
| Noninterest expense to average assets | 2.7007% | 3,086 |
| Loan and lease loss provision to assets | 0.1717% | 1,130 |
| Net operating income to assets | 0.6636% | 4,007 |
| Return on assets (ROA) | 0.6652% | 4,059 |
| Pretax return on assets | 0.8731% | 4,021 |
| Return on Equity (ROE) | 5.7698% | 4,146 |
| Retained earnings to average equity (ytd only) | 3.2038% | 3,810 |
| Net charge-offs to loans | 0.9304% | 212 |
| Credit loss provision to net charge-offs | 40.2889% | 2,644 |
| Earnings coverage of net charge-offs (x) | 2.4470% | 3,162 |
| Efficiency ratio | 72.1451% | 2,308 |
| Assets per employee ($millions) | 4.4928% | 3,119 |
| Cash dividends to net income (ytd only)* | 44.4730% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8864% | 4,694 |
| Loan loss allowance to noncurrent loans | 62.8450% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.0103% | 1,734 |
| Noncurrent loans to loans | 1.4104% | 1,357 |
| Net loans and leases to total assets | 44.9899% | 4,992 |
| Net loans and leases to deposits | 53.1356% | 5,008 |
| Net loans and leases to core deposits | 55.7499% | 5,004 |
| Total domestic deposits to total assets | 84.6700% | 2,950 |
| Equity capital to assets | 11.7203% | 2,135 |
| Core capital (leverage) ratio | 12.2005% | 1,535 |
| Tier 1 risk-based capital ratio | 20.7477% | 1,232 |
| Total risk-based capital ratio | 21.4721% | 1,294 |
| Memoranda: | ||
| Average total assets | $584,816,330 | 1,236 |
| Average earning assets | $513,599,330 | 1,290 |
| Average equity | $67,420,000 | 1,188 |
| Average total loans | $267,841,670 | 1,729 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5366% | 4,585 |
| Cost of funding earning assets | 0.3971% | 3,019 |
| Net interest margin | 3.1394% | 4,531 |
| Noninterest income to average assets | 0.9654% | 1,067 |
| Noninterest expense to average assets | 2.8064% | 2,773 |
| Loan and lease loss provision to assets | 0.3204% | 392 |
| Net operating income to assets | 0.4755% | 4,686 |
| Return on assets (ROA) | 0.4755% | 4,710 |
| Pretax return on assets | 0.5832% | 4,769 |
| Return on Equity (ROE) | 4.1597% | 4,726 |
| Retained earnings to average equity (ytd only) | 1.7647% | 4,407 |
| Net charge-offs to loans | 1.7451% | 89 |
| Credit loss provision to net charge-offs | 39.9145% | 2,064 |
| Earnings coverage of net charge-offs (x) | 1.1256% | 2,758 |
| Efficiency ratio | 75.6427% | 1,964 |
| Assets per employee ($millions) | 4.6633% | 2,898 |
| Cash dividends to net income (ytd only)* | 57.5758% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 4,776 |
| Loan loss allowance to noncurrent loans | 77.2115% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 0.9282% | 1,995 |
| Noncurrent loans to loans | 1.1586% | 1,752 |
| Net loans and leases to total assets | 44.3635% | 5,017 |
| Net loans and leases to deposits | 53.7248% | 4,950 |
| Net loans and leases to core deposits | 56.4046% | 4,959 |
| Total domestic deposits to total assets | 82.5755% | 3,979 |
| Equity capital to assets | 11.1747% | 2,454 |
| Core capital (leverage) ratio | 11.4437% | 1,989 |
| Tier 1 risk-based capital ratio | 20.1212% | 1,365 |
| Total risk-based capital ratio | 20.8423% | 1,453 |
| Memoranda: | ||
| Average total assets | $582,948,500 | 1,237 |
| Average earning assets | $509,644,500 | 1,293 |
| Average equity | $66,640,000 | 1,196 |
| Average total loans | $268,184,000 | 1,737 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4658% | 4,860 |
| Cost of funding earning assets | 0.3055% | 4,008 |
| Net interest margin | 3.1604% | 4,564 |
| Noninterest income to average assets | 1.1764% | 818 |
| Noninterest expense to average assets | 2.7842% | 3,074 |
| Loan and lease loss provision to assets | 0.0992% | 2,398 |
| Net operating income to assets | 0.8590% | 3,034 |
| Return on assets (ROA) | 0.8812% | 3,041 |
| Pretax return on assets | 1.1288% | 2,975 |
| Return on Equity (ROE) | 7.5777% | 3,179 |
| Retained earnings to average equity (ytd only) | 4.4818% | 2,723 |
| Net charge-offs to loans | 0.1220% | 2,039 |
| Credit loss provision to net charge-offs | 178.0564% | 1,572 |
| Earnings coverage of net charge-offs (x) | 21.5361% | 1,779 |
| Efficiency ratio | 69.8896% | 2,919 |
| Assets per employee ($millions) | 4.5880% | 2,988 |
| Cash dividends to net income (ytd only)* | 40.8560% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 3,337 |
| Loan loss allowance to noncurrent loans | 93.5658% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.0186% | 1,862 |
| Noncurrent loans to loans | 1.2453% | 1,649 |
| Net loans and leases to total assets | 46.7760% | 4,967 |
| Net loans and leases to deposits | 55.9441% | 4,915 |
| Net loans and leases to core deposits | 59.2834% | 4,893 |
| Total domestic deposits to total assets | 83.6120% | 3,564 |
| Equity capital to assets | 11.7053% | 2,006 |
| Core capital (leverage) ratio | 12.1108% | 1,529 |
| Tier 1 risk-based capital ratio | 20.8635% | 1,235 |
| Total risk-based capital ratio | 21.8192% | 1,251 |
| Memoranda: | ||
| Average total assets | $572,741,200 | 1,218 |
| Average earning assets | $508,740,200 | 1,258 |
| Average equity | $66,603,400 | 1,176 |
| Average total loans | $261,505,000 | 1,727 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4596% | 4,910 |
| Cost of funding earning assets | 0.3091% | 3,993 |
| Net interest margin | 3.1505% | 4,634 |
| Noninterest income to average assets | 1.2214% | 775 |
| Noninterest expense to average assets | 2.8580% | 2,793 |
| Loan and lease loss provision to assets | 0.1614% | 1,434 |
| Net operating income to assets | 0.7601% | 3,566 |
| Return on assets (ROA) | 0.7840% | 3,581 |
| Pretax return on assets | 1.0470% | 3,441 |
| Return on Equity (ROE) | 6.7524% | 3,692 |
| Retained earnings to average equity (ytd only) | 4.2272% | 3,316 |
| Net charge-offs to loans | 0.0969% | 1,980 |
| Credit loss provision to net charge-offs | 368.2540% | 894 |
| Earnings coverage of net charge-offs (x) | 26.8417% | 1,583 |
| Efficiency ratio | 70.8364% | 2,770 |
| Assets per employee ($millions) | 4.2621% | 3,483 |
| Cash dividends to net income (ytd only)* | 37.3965% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 2,651 |
| Loan loss allowance to noncurrent loans | 104.7560% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.0347% | 1,993 |
| Noncurrent loans to loans | 1.2473% | 1,796 |
| Net loans and leases to total assets | 45.5915% | 5,114 |
| Net loans and leases to deposits | 55.1799% | 5,044 |
| Net loans and leases to core deposits | 58.4111% | 5,025 |
| Total domestic deposits to total assets | 82.6234% | 3,737 |
| Equity capital to assets | 12.2626% | 1,930 |
| Core capital (leverage) ratio | 12.4582% | 1,413 |
| Tier 1 risk-based capital ratio | 21.5464% | 1,187 |
| Total risk-based capital ratio | 22.6299% | 1,194 |
| Memoranda: | ||
| Average total assets | $574,845,000 | 1,217 |
| Average earning assets | $513,307,500 | 1,252 |
| Average equity | $66,740,250 | 1,185 |
| Average total loans | $260,111,000 | 1,732 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4525% | 4,982 |
| Cost of funding earning assets | 0.3128% | 3,990 |
| Net interest margin | 3.1398% | 4,715 |
| Noninterest income to average assets | 1.2344% | 744 |
| Noninterest expense to average assets | 2.7993% | 3,034 |
| Loan and lease loss provision to assets | 0.2826% | 651 |
| Net operating income to assets | 0.7297% | 3,653 |
| Return on assets (ROA) | 0.7509% | 3,698 |
| Pretax return on assets | 1.0039% | 3,569 |
| Return on Equity (ROE) | 6.5866% | 3,761 |
| Retained earnings to average equity (ytd only) | 3.9719% | 3,373 |
| Net charge-offs to loans | 0.1303% | 1,548 |
| Credit loss provision to net charge-offs | 482.3529% | 677 |
| Earnings coverage of net charge-offs (x) | 21.4765% | 1,680 |
| Efficiency ratio | 68.9910% | 3,150 |
| Assets per employee ($millions) | 4.2731% | 3,422 |
| Cash dividends to net income (ytd only)* | 39.6971% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 2,663 |
| Loan loss allowance to noncurrent loans | 141.2545% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 2,328 |
| Noncurrent loans to loans | 0.9360% | 2,405 |
| Net loans and leases to total assets | 46.4818% | 5,098 |
| Net loans and leases to deposits | 55.2866% | 5,063 |
| Net loans and leases to core deposits | 58.1384% | 5,063 |
| Total domestic deposits to total assets | 84.0743% | 3,231 |
| Equity capital to assets | 11.9835% | 2,132 |
| Core capital (leverage) ratio | 11.7900% | 1,784 |
| Tier 1 risk-based capital ratio | 20.6604% | 1,316 |
| Total risk-based capital ratio | 21.7538% | 1,326 |
| Memoranda: | ||
| Average total assets | $580,349,330 | 1,211 |
| Average earning assets | $521,820,000 | 1,231 |
| Average equity | $66,165,000 | 1,190 |
| Average total loans | $260,840,670 | 1,728 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3862% | 5,157 |
| Cost of funding earning assets | 0.3257% | 3,891 |
| Net interest margin | 3.0605% | 4,970 |
| Noninterest income to average assets | 1.4083% | 563 |
| Noninterest expense to average assets | 2.7494% | 3,238 |
| Loan and lease loss provision to assets | 0.2277% | 815 |
| Net operating income to assets | 0.8708% | 2,894 |
| Return on assets (ROA) | 0.8986% | 2,890 |
| Pretax return on assets | 1.2282% | 2,586 |
| Return on Equity (ROE) | 8.0793% | 2,868 |
| Retained earnings to average equity (ytd only) | 5.6408% | 2,562 |
| Net charge-offs to loans | 0.1981% | 1,005 |
| Credit loss provision to net charge-offs | 261.7188% | 924 |
| Earnings coverage of net charge-offs (x) | 16.2969% | 1,624 |
| Efficiency ratio | 65.9762% | 3,808 |
| Assets per employee ($millions) | 4.6508% | 2,819 |
| Cash dividends to net income (ytd only)* | 30.1815% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,628 |
| Loan loss allowance to noncurrent loans | 131.7597% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8262% | 2,628 |
| Noncurrent loans to loans | 0.8926% | 2,612 |
| Net loans and leases to total assets | 42.0203% | 5,348 |
| Net loans and leases to deposits | 51.0174% | 5,282 |
| Net loans and leases to core deposits | 53.6404% | 5,276 |
| Total domestic deposits to total assets | 82.3647% | 4,098 |
| Equity capital to assets | 10.8211% | 3,141 |
| Core capital (leverage) ratio | 11.0299% | 2,381 |
| Tier 1 risk-based capital ratio | 20.8403% | 1,340 |
| Total risk-based capital ratio | 21.8147% | 1,371 |
| Memoranda: | ||
| Average total assets | $588,502,000 | 1,200 |
| Average earning assets | $530,510,000 | 1,220 |
| Average equity | $65,451,500 | 1,194 |
| Average total loans | $258,415,500 | 1,741 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4471% | 5,049 |
| Cost of funding earning assets | 0.2966% | 4,287 |
| Net interest margin | 3.1505% | 4,773 |
| Noninterest income to average assets | 1.0376% | 1,096 |
| Noninterest expense to average assets | 2.8075% | 3,195 |
| Loan and lease loss provision to assets | 0.0587% | 3,138 |
| Net operating income to assets | 0.7610% | 3,521 |
| Return on assets (ROA) | 0.7695% | 3,553 |
| Pretax return on assets | 1.0191% | 3,386 |
| Return on Equity (ROE) | 7.0519% | 3,485 |
| Retained earnings to average equity (ytd only) | 3.7516% | 3,375 |
| Net charge-offs to loans | 0.2909% | 1,049 |
| Credit loss provision to net charge-offs | 48.2066% | 3,430 |
| Earnings coverage of net charge-offs (x) | 8.7618% | 2,905 |
| Efficiency ratio | 72.4687% | 2,832 |
| Assets per employee ($millions) | 4.2338% | 3,513 |
| Cash dividends to net income (ytd only)* | 46.7998% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,931 |
| Loan loss allowance to noncurrent loans | 105.5678% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.9828% | 2,235 |
| Noncurrent loans to loans | 1.0602% | 2,217 |
| Net loans and leases to total assets | 44.9181% | 5,231 |
| Net loans and leases to deposits | 54.4317% | 5,138 |
| Net loans and leases to core deposits | 57.3888% | 5,138 |
| Total domestic deposits to total assets | 82.5219% | 4,012 |
| Equity capital to assets | 11.4494% | 2,400 |
| Core capital (leverage) ratio | 12.1323% | 1,540 |
| Tier 1 risk-based capital ratio | 20.7449% | 1,340 |
| Total risk-based capital ratio | 21.6618% | 1,383 |
| Memoranda: | ||
| Average total assets | $572,580,800 | 1,193 |
| Average earning assets | $515,500,400 | 1,215 |
| Average equity | $62,479,600 | 1,207 |
| Average total loans | $239,606,200 | 1,803 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4290% | 5,141 |
| Cost of funding earning assets | 0.3044% | 4,282 |
| Net interest margin | 3.1246% | 4,900 |
| Noninterest income to average assets | 0.9962% | 1,195 |
| Noninterest expense to average assets | 2.7932% | 3,218 |
| Loan and lease loss provision to assets | 0.1243% | 1,825 |
| Net operating income to assets | 0.6689% | 4,039 |
| Return on assets (ROA) | 0.6776% | 4,113 |
| Pretax return on assets | 0.9039% | 3,969 |
| Return on Equity (ROE) | 6.2856% | 4,012 |
| Retained earnings to average equity (ytd only) | 3.5665% | 3,924 |
| Net charge-offs to loans | 0.3702% | 702 |
| Credit loss provision to net charge-offs | 81.9572% | 2,584 |
| Earnings coverage of net charge-offs (x) | 6.7034% | 3,013 |
| Efficiency ratio | 73.3155% | 2,664 |
| Assets per employee ($millions) | 4.0895% | 3,720 |
| Cash dividends to net income (ytd only)* | 43.2580% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 3,244 |
| Loan loss allowance to noncurrent loans | 123.4009% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 2,420 |
| Noncurrent loans to loans | 1.0315% | 2,413 |
| Net loans and leases to total assets | 43.9602% | 5,359 |
| Net loans and leases to deposits | 52.9320% | 5,317 |
| Net loans and leases to core deposits | 55.8697% | 5,314 |
| Total domestic deposits to total assets | 83.0503% | 3,804 |
| Equity capital to assets | 11.6683% | 2,371 |
| Core capital (leverage) ratio | 11.8068% | 1,812 |
| Tier 1 risk-based capital ratio | 21.1028% | 1,326 |
| Total risk-based capital ratio | 22.1272% | 1,336 |
| Memoranda: | ||
| Average total assets | $574,952,500 | 1,193 |
| Average earning assets | $517,730,500 | 1,222 |
| Average equity | $61,981,750 | 1,224 |
| Average total loans | $235,559,250 | 1,835 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3057% | 5,425 |
| Cost of funding earning assets | 0.3102% | 4,276 |
| Net interest margin | 2.9956% | 5,229 |
| Noninterest income to average assets | 1.0107% | 1,157 |
| Noninterest expense to average assets | 2.8236% | 3,151 |
| Loan and lease loss provision to assets | 0.1319% | 1,663 |
| Net operating income to assets | 0.5712% | 4,465 |
| Return on assets (ROA) | 0.5925% | 4,474 |
| Pretax return on assets | 0.7823% | 4,379 |
| Return on Equity (ROE) | 5.6417% | 4,303 |
| Retained earnings to average equity (ytd only) | 2.8209% | 4,248 |
| Net charge-offs to loans | 0.4322% | 596 |
| Credit loss provision to net charge-offs | 76.5408% | 2,375 |
| Earnings coverage of net charge-offs (x) | 5.1431% | 2,955 |
| Efficiency ratio | 76.1149% | 2,334 |
| Assets per employee ($millions) | 4.3332% | 3,242 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 3,306 |
| Loan loss allowance to noncurrent loans | 75.6823% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.2297% | 2,050 |
| Noncurrent loans to loans | 1.7034% | 1,520 |
| Net loans and leases to total assets | 41.2671% | 5,554 |
| Net loans and leases to deposits | 50.1082% | 5,502 |
| Net loans and leases to core deposits | 52.7371% | 5,498 |
| Total domestic deposits to total assets | 82.3560% | 4,168 |
| Equity capital to assets | 10.6600% | 3,260 |
| Core capital (leverage) ratio | 11.1635% | 2,278 |
| Tier 1 risk-based capital ratio | 18.2895% | 1,986 |
| Total risk-based capital ratio | 19.1828% | 2,037 |
| Memoranda: | ||
| Average total assets | $583,941,000 | 1,178 |
| Average earning assets | $526,113,670 | 1,210 |
| Average equity | $61,328,670 | 1,243 |
| Average total loans | $232,745,000 | 1,859 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2054% | 5,638 |
| Cost of funding earning assets | 0.3211% | 4,207 |
| Net interest margin | 2.8842% | 5,485 |
| Noninterest income to average assets | 0.9997% | 1,122 |
| Noninterest expense to average assets | 2.6828% | 3,649 |
| Loan and lease loss provision to assets | 0.2532% | 644 |
| Net operating income to assets | 0.5142% | 4,604 |
| Return on assets (ROA) | 0.5519% | 4,583 |
| Pretax return on assets | 0.7234% | 4,526 |
| Return on Equity (ROE) | 5.2941% | 4,383 |
| Retained earnings to average equity (ytd only) | 2.6895% | 4,332 |
| Net charge-offs to loans | 0.8572% | 277 |
| Credit loss provision to net charge-offs | 75.9184% | 1,869 |
| Earnings coverage of net charge-offs (x) | 2.7796% | 2,699 |
| Efficiency ratio | 74.3213% | 2,766 |
| Assets per employee ($millions) | 4.4469% | 3,143 |
| Cash dividends to net income (ytd only)* | 49.1985% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 3,112 |
| Loan loss allowance to noncurrent loans | 72.8424% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.2007% | 2,232 |
| Noncurrent loans to loans | 1.8633% | 1,443 |
| Net loans and leases to total assets | 36.5197% | 5,804 |
| Net loans and leases to deposits | 46.2716% | 5,648 |
| Net loans and leases to core deposits | 48.3449% | 5,654 |
| Total domestic deposits to total assets | 78.9246% | 5,278 |
| Equity capital to assets | 10.1267% | 3,977 |
| Core capital (leverage) ratio | 10.5201% | 2,933 |
| Tier 1 risk-based capital ratio | 21.8858% | 1,262 |
| Total risk-based capital ratio | 21.8915% | 1,458 |
| Memoranda: | ||
| Average total assets | $587,754,500 | 1,172 |
| Average earning assets | $531,860,500 | 1,201 |
| Average equity | $61,275,500 | 1,245 |
| Average total loans | $228,650,500 | 1,886 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4633% | 5,412 |
| Cost of funding earning assets | 0.2842% | 4,965 |
| Net interest margin | 3.1791% | 4,988 |
| Noninterest income to average assets | 1.2491% | 782 |
| Noninterest expense to average assets | 2.7698% | 3,594 |
| Loan and lease loss provision to assets | 0.0613% | 3,290 |
| Net operating income to assets | 0.9410% | 2,667 |
| Return on assets (ROA) | 0.9064% | 2,927 |
| Pretax return on assets | 1.2271% | 2,539 |
| Return on Equity (ROE) | 9.3697% | 2,405 |
| Retained earnings to average equity (ytd only) | 5.7591% | 2,092 |
| Net charge-offs to loans | 0.3943% | 1,086 |
| Credit loss provision to net charge-offs | 40.4922% | 3,664 |
| Earnings coverage of net charge-offs (x) | 8.8166% | 2,825 |
| Efficiency ratio | 66.8510% | 4,083 |
| Assets per employee ($millions) | 3.9253% | 4,107 |
| Cash dividends to net income (ytd only)* | 38.5349% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 2,900 |
| Loan loss allowance to noncurrent loans | 86.1802% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.2347% | 2,291 |
| Noncurrent loans to loans | 1.6375% | 1,793 |
| Net loans and leases to total assets | 40.4090% | 5,717 |
| Net loans and leases to deposits | 48.8871% | 5,638 |
| Net loans and leases to core deposits | 51.7610% | 5,630 |
| Total domestic deposits to total assets | 82.6579% | 4,196 |
| Equity capital to assets | 10.7566% | 3,172 |
| Core capital (leverage) ratio | 11.5977% | 1,901 |
| Tier 1 risk-based capital ratio | 22.2874% | 1,182 |
| Total risk-based capital ratio | 23.4829% | 1,167 |
| Memoranda: | ||
| Average total assets | $590,331,600 | 1,123 |
| Average earning assets | $530,301,800 | 1,143 |
| Average equity | $57,109,400 | 1,283 |
| Average total loans | $226,758,600 | 1,851 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4409% | 5,519 |
| Cost of funding earning assets | 0.2882% | 5,009 |
| Net interest margin | 3.1526% | 5,111 |
| Noninterest income to average assets | 1.2588% | 761 |
| Noninterest expense to average assets | 2.6814% | 3,892 |
| Loan and lease loss provision to assets | 0.0572% | 3,223 |
| Net operating income to assets | 0.9733% | 2,579 |
| Return on assets (ROA) | 0.9342% | 2,846 |
| Pretax return on assets | 1.2968% | 2,385 |
| Return on Equity (ROE) | 9.9150% | 2,260 |
| Retained earnings to average equity (ytd only) | 6.9268% | 1,852 |
| Net charge-offs to loans | 0.3110% | 1,280 |
| Credit loss provision to net charge-offs | 48.6742% | 3,126 |
| Earnings coverage of net charge-offs (x) | 11.9754% | 2,357 |
| Efficiency ratio | 64.7405% | 4,426 |
| Assets per employee ($millions) | 4.1046% | 3,662 |
| Cash dividends to net income (ytd only)* | 30.1383% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 2,469 |
| Loan loss allowance to noncurrent loans | 91.3499% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.2095% | 2,533 |
| Noncurrent loans to loans | 1.7048% | 1,908 |
| Net loans and leases to total assets | 38.8907% | 5,894 |
| Net loans and leases to deposits | 47.8435% | 5,773 |
| Net loans and leases to core deposits | 50.7959% | 5,750 |
| Total domestic deposits to total assets | 81.2874% | 4,737 |
| Equity capital to assets | 10.5454% | 3,501 |
| Core capital (leverage) ratio | 11.1899% | 2,320 |
| Tier 1 risk-based capital ratio | 21.9108% | 1,274 |
| Total risk-based capital ratio | 23.1710% | 1,254 |
| Memoranda: | ||
| Average total assets | $598,567,000 | 1,116 |
| Average earning assets | $537,524,750 | 1,133 |
| Average equity | $56,397,750 | 1,304 |
| Average total loans | $226,333,250 | 1,863 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4192% | 5,584 |
| Cost of funding earning assets | 0.2906% | 5,070 |
| Net interest margin | 3.1287% | 5,166 |
| Noninterest income to average assets | 1.3183% | 689 |
| Noninterest expense to average assets | 2.6940% | 3,890 |
| Loan and lease loss provision to assets | 0.0433% | 3,451 |
| Net operating income to assets | 1.0185% | 2,251 |
| Return on assets (ROA) | 0.9579% | 2,609 |
| Pretax return on assets | 1.3078% | 2,226 |
| Return on Equity (ROE) | 10.5560% | 1,916 |
| Retained earnings to average equity (ytd only) | 7.4268% | 1,554 |
| Net charge-offs to loans | 0.3918% | 1,031 |
| Credit loss provision to net charge-offs | 29.6629% | 3,061 |
| Earnings coverage of net charge-offs (x) | 9.8180% | 2,315 |
| Efficiency ratio | 65.2592% | 4,475 |
| Assets per employee ($millions) | 4.5411% | 2,861 |
| Cash dividends to net income (ytd only)* | 29.6436% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 2,614 |
| Loan loss allowance to noncurrent loans | 80.9737% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.5091% | 2,160 |
| Noncurrent loans to loans | 1.9294% | 1,765 |
| Net loans and leases to total assets | 36.7473% | 6,018 |
| Net loans and leases to deposits | 44.6374% | 5,948 |
| Net loans and leases to core deposits | 47.1055% | 5,947 |
| Total domestic deposits to total assets | 82.3241% | 4,534 |
| Equity capital to assets | 9.9510% | 4,177 |
| Core capital (leverage) ratio | 10.4822% | 2,972 |
| Tier 1 risk-based capital ratio | 21.4992% | 1,346 |
| Total risk-based capital ratio | 22.7410% | 1,322 |
| Memoranda: | ||
| Average total assets | $609,277,330 | 1,100 |
| Average earning assets | $547,198,670 | 1,114 |
| Average equity | $55,286,000 | 1,311 |
| Average total loans | $227,185,670 | 1,848 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4564% | 5,526 |
| Cost of funding earning assets | 0.2726% | 5,360 |
| Net interest margin | 3.1838% | 4,975 |
| Noninterest income to average assets | 1.0453% | 1,025 |
| Noninterest expense to average assets | 2.4669% | 4,730 |
| Loan and lease loss provision to assets | 0.0356% | 3,348 |
| Net operating income to assets | 1.0249% | 2,104 |
| Return on assets (ROA) | 1.0292% | 2,161 |
| Pretax return on assets | 1.4106% | 1,712 |
| Return on Equity (ROE) | 11.8902% | 1,440 |
| Retained earnings to average equity (ytd only) | 8.9102% | 1,274 |
| Net charge-offs to loans | 0.0954% | 2,212 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 40.5091% | 867 |
| Efficiency ratio | 63.1370% | 4,983 |
| Assets per employee ($millions) | 4.6072% | 2,802 |
| Cash dividends to net income (ytd only)* | 25.0628% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 2,565 |
| Loan loss allowance to noncurrent loans | 80.5490% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.3977% | 2,547 |
| Noncurrent loans to loans | 2.0275% | 1,841 |
| Net loans and leases to total assets | 33.6325% | 6,196 |
| Net loans and leases to deposits | 40.6560% | 6,148 |
| Net loans and leases to core deposits | 42.6331% | 6,136 |
| Total domestic deposits to total assets | 82.7247% | 4,704 |
| Equity capital to assets | 8.2739% | 5,847 |
| Core capital (leverage) ratio | 9.7617% | 3,914 |
| Tier 1 risk-based capital ratio | 20.5030% | 1,584 |
| Total risk-based capital ratio | 21.7965% | 1,545 |
| Memoranda: | ||
| Average total assets | $618,743,500 | 1,101 |
| Average earning assets | $556,187,000 | 1,107 |
| Average equity | $53,556,500 | 1,356 |
| Average total loans | $230,589,000 | 1,823 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7095% | 5,103 |
| Cost of funding earning assets | 0.2935% | 5,649 |
| Net interest margin | 3.4160% | 4,218 |
| Noninterest income to average assets | 1.1897% | 1,004 |
| Noninterest expense to average assets | 2.8871% | 3,408 |
| Loan and lease loss provision to assets | 0.2074% | 1,784 |
| Net operating income to assets | 0.8602% | 2,977 |
| Return on assets (ROA) | 0.8679% | 3,015 |
| Pretax return on assets | 1.1572% | 2,740 |
| Return on Equity (ROE) | 9.4558% | 2,342 |
| Retained earnings to average equity (ytd only) | 5.6214% | 2,199 |
| Net charge-offs to loans | 0.2609% | 2,401 |
| Credit loss provision to net charge-offs | 202.8381% | 1,129 |
| Earnings coverage of net charge-offs (x) | 13.2471% | 2,045 |
| Efficiency ratio | 68.0684% | 4,188 |
| Assets per employee ($millions) | 4.0345% | 3,790 |
| Cash dividends to net income (ytd only)* | 40.5506% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 2,666 |
| Loan loss allowance to noncurrent loans | 92.7866% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.6107% | 2,303 |
| Noncurrent loans to loans | 1.7509% | 2,303 |
| Net loans and leases to total assets | 40.2660% | 5,941 |
| Net loans and leases to deposits | 47.6869% | 5,915 |
| Net loans and leases to core deposits | 50.2874% | 5,917 |
| Total domestic deposits to total assets | 84.4382% | 3,995 |
| Equity capital to assets | 9.1103% | 4,912 |
| Core capital (leverage) ratio | 10.4540% | 2,960 |
| Tier 1 risk-based capital ratio | 19.9842% | 1,655 |
| Total risk-based capital ratio | 21.2806% | 1,620 |
| Memoranda: | ||
| Average total assets | $585,885,800 | 1,134 |
| Average earning assets | $523,419,600 | 1,156 |
| Average equity | $53,776,400 | 1,322 |
| Average total loans | $229,593,000 | 1,789 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6503% | 5,299 |
| Cost of funding earning assets | 0.3053% | 5,688 |
| Net interest margin | 3.3450% | 4,481 |
| Noninterest income to average assets | 1.1708% | 1,072 |
| Noninterest expense to average assets | 2.8022% | 3,656 |
| Loan and lease loss provision to assets | 0.2100% | 1,733 |
| Net operating income to assets | 0.8571% | 3,059 |
| Return on assets (ROA) | 0.8618% | 3,150 |
| Pretax return on assets | 1.1575% | 2,858 |
| Return on Equity (ROE) | 9.3725% | 2,452 |
| Retained earnings to average equity (ytd only) | 6.2721% | 2,250 |
| Net charge-offs to loans | 0.2903% | 2,084 |
| Credit loss provision to net charge-offs | 186.5731% | 1,295 |
| Earnings coverage of net charge-offs (x) | 12.0941% | 2,175 |
| Efficiency ratio | 67.3059% | 4,230 |
| Assets per employee ($millions) | 4.2795% | 3,274 |
| Cash dividends to net income (ytd only)* | 33.0803% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 3,271 |
| Loan loss allowance to noncurrent loans | 83.2246% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.6506% | 2,493 |
| Noncurrent loans to loans | 1.8511% | 2,431 |
| Net loans and leases to total assets | 39.2241% | 6,091 |
| Net loans and leases to deposits | 45.9904% | 6,099 |
| Net loans and leases to core deposits | 48.7495% | 6,080 |
| Total domestic deposits to total assets | 85.2875% | 3,588 |
| Equity capital to assets | 8.8642% | 5,339 |
| Core capital (leverage) ratio | 10.1694% | 3,444 |
| Tier 1 risk-based capital ratio | 19.5990% | 1,839 |
| Total risk-based capital ratio | 20.8301% | 1,809 |
| Memoranda: | ||
| Average total assets | $591,149,250 | 1,136 |
| Average earning assets | $528,853,500 | 1,158 |
| Average equity | $54,356,000 | 1,320 |
| Average total loans | $229,193,500 | 1,796 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6449% | 5,306 |
| Cost of funding earning assets | 0.3213% | 5,653 |
| Net interest margin | 3.3236% | 4,472 |
| Noninterest income to average assets | 1.1303% | 1,190 |
| Noninterest expense to average assets | 2.7775% | 3,753 |
| Loan and lease loss provision to assets | 0.2020% | 1,876 |
| Net operating income to assets | 0.8411% | 3,094 |
| Return on assets (ROA) | 0.8482% | 3,205 |
| Pretax return on assets | 1.1367% | 2,938 |
| Return on Equity (ROE) | 9.1176% | 2,562 |
| Retained earnings to average equity (ytd only) | 5.9880% | 2,452 |
| Net charge-offs to loans | 0.2716% | 2,118 |
| Credit loss provision to net charge-offs | 193.5484% | 1,223 |
| Earnings coverage of net charge-offs (x) | 12.7387% | 1,959 |
| Efficiency ratio | 67.6338% | 4,243 |
| Assets per employee ($millions) | 4.2786% | 3,209 |
| Cash dividends to net income (ytd only)* | 34.3254% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 3,590 |
| Loan loss allowance to noncurrent loans | 112.2382% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 1.4269% | 2,962 |
| Noncurrent loans to loans | 1.3367% | 3,318 |
| Net loans and leases to total assets | 38.4186% | 6,147 |
| Net loans and leases to deposits | 44.3225% | 6,208 |
| Net loans and leases to core deposits | 47.0314% | 6,179 |
| Total domestic deposits to total assets | 86.6796% | 3,012 |
| Equity capital to assets | 8.7779% | 5,467 |
| Core capital (leverage) ratio | 9.6907% | 3,948 |
| Tier 1 risk-based capital ratio | 19.5525% | 1,841 |
| Total risk-based capital ratio | 20.7134% | 1,843 |
| Memoranda: | ||
| Average total assets | $594,194,000 | 1,126 |
| Average earning assets | $532,135,000 | 1,151 |
| Average equity | $55,277,670 | 1,303 |
| Average total loans | $228,304,000 | 1,797 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 5,268 |
| Cost of funding earning assets | 0.3393% | 5,643 |
| Net interest margin | 3.3262% | 4,418 |
| Noninterest income to average assets | 1.1374% | 1,157 |
| Noninterest expense to average assets | 2.6439% | 4,263 |
| Loan and lease loss provision to assets | -0.0669% | 6,805 |
| Net operating income to assets | 1.1098% | 1,817 |
| Return on assets (ROA) | 1.1160% | 1,906 |
| Pretax return on assets | 1.5780% | 1,356 |
| Return on Equity (ROE) | 11.6734% | 1,509 |
| Retained earnings to average equity (ytd only) | 8.8827% | 1,418 |
| Net charge-offs to loans | 0.2279% | 2,081 |
| Credit loss provision to net charge-offs | -76.9231% | 5,113 |
| Earnings coverage of net charge-offs (x) | 17.2846% | 1,326 |
| Efficiency ratio | 63.7639% | 5,045 |
| Assets per employee ($millions) | 4.3946% | 3,160 |
| Cash dividends to net income (ytd only)* | 23.9065% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 4,725 |
| Loan loss allowance to noncurrent loans | 90.9091% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.4105% | 3,157 |
| Noncurrent loans to loans | 1.4244% | 3,435 |
| Net loans and leases to total assets | 35.5451% | 6,330 |
| Net loans and leases to deposits | 41.6028% | 6,342 |
| Net loans and leases to core deposits | 44.1871% | 6,308 |
| Total domestic deposits to total assets | 85.4391% | 3,824 |
| Equity capital to assets | 9.2396% | 5,208 |
| Core capital (leverage) ratio | 9.5914% | 3,942 |
| Tier 1 risk-based capital ratio | 19.9781% | 1,779 |
| Total risk-based capital ratio | 21.0115% | 1,800 |
| Memoranda: | ||
| Average total assets | $598,207,500 | 1,131 |
| Average earning assets | $541,154,000 | 1,145 |
| Average equity | $57,190,000 | 1,277 |
| Average total loans | $228,142,500 | 1,813 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8480% | 5,713 |
| Cost of funding earning assets | 0.4527% | 5,567 |
| Net interest margin | 3.3953% | 4,899 |
| Noninterest income to average assets | 1.3342% | 869 |
| Noninterest expense to average assets | 3.1229% | 2,862 |
| Loan and lease loss provision to assets | 0.2489% | 2,664 |
| Net operating income to assets | 0.7640% | 3,443 |
| Return on assets (ROA) | 0.7948% | 3,557 |
| Pretax return on assets | 1.0307% | 3,434 |
| Return on Equity (ROE) | 8.3285% | 2,945 |
| Retained earnings to average equity (ytd only) | 4.6145% | 2,976 |
| Net charge-offs to loans | 0.8913% | 1,282 |
| Credit loss provision to net charge-offs | 70.5309% | 4,142 |
| Earnings coverage of net charge-offs (x) | 3.5124% | 3,699 |
| Efficiency ratio | 71.5867% | 3,504 |
| Assets per employee ($millions) | 4.0026% | 3,939 |
| Cash dividends to net income (ytd only)* | 44.5934% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 4,376 |
| Loan loss allowance to noncurrent loans | 84.6818% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.6458% | 2,928 |
| Noncurrent loans to loans | 1.6013% | 3,224 |
| Net loans and leases to total assets | 39.9073% | 6,173 |
| Net loans and leases to deposits | 46.9387% | 6,180 |
| Net loans and leases to core deposits | 50.0417% | 6,144 |
| Total domestic deposits to total assets | 85.0202% | 3,853 |
| Equity capital to assets | 9.9097% | 4,297 |
| Core capital (leverage) ratio | 10.3166% | 2,993 |
| Tier 1 risk-based capital ratio | 19.7065% | 1,748 |
| Total risk-based capital ratio | 20.8243% | 1,761 |
| Memoranda: | ||
| Average total assets | $581,767,000 | 1,140 |
| Average earning assets | $518,867,800 | 1,170 |
| Average equity | $55,520,200 | 1,287 |
| Average total loans | $230,326,800 | 1,768 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8668% | 5,868 |
| Cost of funding earning assets | 0.4881% | 5,518 |
| Net interest margin | 3.3786% | 5,101 |
| Noninterest income to average assets | 1.2522% | 957 |
| Noninterest expense to average assets | 3.0420% | 3,086 |
| Loan and lease loss provision to assets | 0.1235% | 4,010 |
| Net operating income to assets | 0.8325% | 3,293 |
| Return on assets (ROA) | 0.8601% | 3,418 |
| Pretax return on assets | 1.1345% | 3,209 |
| Return on Equity (ROE) | 9.0979% | 2,746 |
| Retained earnings to average equity (ytd only) | 6.0460% | 2,673 |
| Net charge-offs to loans | 0.9657% | 1,106 |
| Credit loss provision to net charge-offs | 32.4730% | 4,760 |
| Earnings coverage of net charge-offs (x) | 3.2125% | 3,743 |
| Efficiency ratio | 71.3475% | 3,440 |
| Assets per employee ($millions) | 3.6685% | 4,612 |
| Cash dividends to net income (ytd only)* | 33.5457% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 5,522 |
| Loan loss allowance to noncurrent loans | 60.1193% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.6425% | 3,117 |
| Noncurrent loans to loans | 1.9109% | 2,951 |
| Net loans and leases to total assets | 39.3928% | 6,328 |
| Net loans and leases to deposits | 46.3202% | 6,362 |
| Net loans and leases to core deposits | 49.4618% | 6,314 |
| Total domestic deposits to total assets | 85.0444% | 3,725 |
| Equity capital to assets | 9.9484% | 4,570 |
| Core capital (leverage) ratio | 9.7166% | 3,929 |
| Tier 1 risk-based capital ratio | 17.0408% | 2,718 |
| Total risk-based capital ratio | 17.8492% | 2,913 |
| Memoranda: | ||
| Average total assets | $584,114,750 | 1,147 |
| Average earning assets | $520,630,750 | 1,178 |
| Average equity | $55,220,000 | 1,298 |
| Average total loans | $230,018,500 | 1,782 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8604% | 6,009 |
| Cost of funding earning assets | 0.5407% | 5,369 |
| Net interest margin | 3.3197% | 5,393 |
| Noninterest income to average assets | 1.2955% | 842 |
| Noninterest expense to average assets | 3.1021% | 2,923 |
| Loan and lease loss provision to assets | 0.0231% | 5,375 |
| Net operating income to assets | 0.8507% | 3,136 |
| Return on assets (ROA) | 0.8758% | 3,271 |
| Pretax return on assets | 1.1557% | 3,094 |
| Return on Equity (ROE) | 9.4238% | 2,604 |
| Retained earnings to average equity (ytd only) | 6.2582% | 2,528 |
| Net charge-offs to loans | 0.5506% | 1,941 |
| Credit loss provision to net charge-offs | 10.7087% | 4,732 |
| Earnings coverage of net charge-offs (x) | 5.3055% | 2,860 |
| Efficiency ratio | 73.0264% | 3,234 |
| Assets per employee ($millions) | 3.9767% | 3,928 |
| Cash dividends to net income (ytd only)* | 33.5922% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 4,362 |
| Loan loss allowance to noncurrent loans | 68.3441% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.7616% | 3,088 |
| Noncurrent loans to loans | 2.0871% | 2,840 |
| Net loans and leases to total assets | 37.5697% | 6,515 |
| Net loans and leases to deposits | 44.0098% | 6,555 |
| Net loans and leases to core deposits | 47.1042% | 6,506 |
| Total domestic deposits to total assets | 85.3667% | 3,683 |
| Equity capital to assets | 9.6244% | 4,877 |
| Core capital (leverage) ratio | 9.4515% | 4,213 |
| Tier 1 risk-based capital ratio | 16.9902% | 2,666 |
| Total risk-based capital ratio | 17.9713% | 2,750 |
| Memoranda: | ||
| Average total assets | $588,055,330 | 1,142 |
| Average earning assets | $523,001,670 | 1,175 |
| Average equity | $54,648,670 | 1,303 |
| Average total loans | $230,670,670 | 1,778 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 6,097 |
| Cost of funding earning assets | 0.5999% | 5,128 |
| Net interest margin | 3.2666% | 5,588 |
| Noninterest income to average assets | 1.2458% | 913 |
| Noninterest expense to average assets | 3.1401% | 2,789 |
| Loan and lease loss provision to assets | 0.1139% | 3,930 |
| Net operating income to assets | 0.7207% | 3,778 |
| Return on assets (ROA) | 0.7481% | 3,870 |
| Pretax return on assets | 0.9474% | 3,875 |
| Return on Equity (ROE) | 8.1943% | 3,197 |
| Retained earnings to average equity (ytd only) | 5.2301% | 3,416 |
| Net charge-offs to loans | 0.3018% | 2,455 |
| Credit loss provision to net charge-offs | 94.9153% | 2,458 |
| Earnings coverage of net charge-offs (x) | 8.5537% | 1,947 |
| Efficiency ratio | 75.3581% | 2,878 |
| Assets per employee ($millions) | 4.3046% | 3,388 |
| Cash dividends to net income (ytd only)* | 36.1741% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 3,665 |
| Loan loss allowance to noncurrent loans | 59.3959% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.9279% | 3,006 |
| Noncurrent loans to loans | 2.7205% | 2,398 |
| Net loans and leases to total assets | 36.4439% | 6,596 |
| Net loans and leases to deposits | 42.5648% | 6,630 |
| Net loans and leases to core deposits | 45.2830% | 6,608 |
| Total domestic deposits to total assets | 85.6198% | 3,730 |
| Equity capital to assets | 8.6232% | 5,961 |
| Core capital (leverage) ratio | 9.0871% | 4,705 |
| Tier 1 risk-based capital ratio | 16.2065% | 3,068 |
| Total risk-based capital ratio | 17.3237% | 3,101 |
| Memoranda: | ||
| Average total assets | $589,798,500 | 1,136 |
| Average earning assets | $527,393,500 | 1,162 |
| Average equity | $53,842,500 | 1,313 |
| Average total loans | $234,606,500 | 1,761 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 6,028 |
| Cost of funding earning assets | 0.6233% | 5,973 |
| Net interest margin | 3.5848% | 4,790 |
| Noninterest income to average assets | 1.2575% | 821 |
| Noninterest expense to average assets | 3.1040% | 3,181 |
| Loan and lease loss provision to assets | 0.4543% | 2,327 |
| Net operating income to assets | 0.7059% | 3,461 |
| Return on assets (ROA) | 0.7804% | 3,296 |
| Pretax return on assets | 1.0375% | 3,093 |
| Return on Equity (ROE) | 7.8388% | 2,993 |
| Retained earnings to average equity (ytd only) | 4.0058% | 3,341 |
| Net charge-offs to loans | 0.8902% | 1,952 |
| Credit loss provision to net charge-offs | 124.1153% | 2,529 |
| Earnings coverage of net charge-offs (x) | 3.8038% | 3,380 |
| Efficiency ratio | 69.0319% | 4,141 |
| Assets per employee ($millions) | 3.8572% | 4,191 |
| Cash dividends to net income (ytd only)* | 48.8973% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 3,688 |
| Loan loss allowance to noncurrent loans | 112.0922% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.6124% | 3,537 |
| Noncurrent loans to loans | 1.4037% | 4,047 |
| Net loans and leases to total assets | 42.1765% | 6,372 |
| Net loans and leases to deposits | 49.1340% | 6,424 |
| Net loans and leases to core deposits | 53.7089% | 6,319 |
| Total domestic deposits to total assets | 85.8399% | 3,409 |
| Equity capital to assets | 9.6973% | 4,600 |
| Core capital (leverage) ratio | 10.2266% | 3,056 |
| Tier 1 risk-based capital ratio | 16.5313% | 2,807 |
| Total risk-based capital ratio | 17.6717% | 2,822 |
| Memoranda: | ||
| Average total assets | $540,338,600 | 1,227 |
| Average earning assets | $488,193,800 | 1,250 |
| Average equity | $53,796,800 | 1,262 |
| Average total loans | $222,209,600 | 1,858 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 5,919 |
| Cost of funding earning assets | 0.6633% | 5,971 |
| Net interest margin | 3.6456% | 4,586 |
| Noninterest income to average assets | 1.2086% | 901 |
| Noninterest expense to average assets | 2.9980% | 3,561 |
| Loan and lease loss provision to assets | 0.4490% | 2,224 |
| Net operating income to assets | 0.7714% | 3,297 |
| Return on assets (ROA) | 0.8354% | 3,159 |
| Pretax return on assets | 1.1597% | 2,785 |
| Return on Equity (ROE) | 8.3349% | 2,901 |
| Retained earnings to average equity (ytd only) | 5.2013% | 3,062 |
| Net charge-offs to loans | 1.1436% | 1,382 |
| Credit loss provision to net charge-offs | 96.5278% | 3,555 |
| Earnings coverage of net charge-offs (x) | 3.2671% | 3,516 |
| Efficiency ratio | 66.3605% | 4,645 |
| Assets per employee ($millions) | 4.0416% | 3,753 |
| Cash dividends to net income (ytd only)* | 37.5967% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 4,102 |
| Loan loss allowance to noncurrent loans | 91.3577% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.1162% | 4,545 |
| Noncurrent loans to loans | 1.6413% | 3,832 |
| Net loans and leases to total assets | 39.7403% | 6,654 |
| Net loans and leases to deposits | 47.3564% | 6,663 |
| Net loans and leases to core deposits | 50.8919% | 6,628 |
| Total domestic deposits to total assets | 83.9174% | 4,271 |
| Equity capital to assets | 10.5726% | 3,613 |
| Core capital (leverage) ratio | 10.3600% | 3,020 |
| Tier 1 risk-based capital ratio | 18.9411% | 1,957 |
| Total risk-based capital ratio | 20.0214% | 1,967 |
| Memoranda: | ||
| Average total assets | $536,565,250 | 1,242 |
| Average earning assets | $487,041,750 | 1,257 |
| Average equity | $53,780,500 | 1,264 |
| Average total loans | $218,260,250 | 1,893 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 5,919 |
| Cost of funding earning assets | 0.7032% | 5,942 |
| Net interest margin | 3.6253% | 4,629 |
| Noninterest income to average assets | 1.1445% | 984 |
| Noninterest expense to average assets | 2.9087% | 3,988 |
| Loan and lease loss provision to assets | 0.4854% | 2,034 |
| Net operating income to assets | 0.7381% | 3,346 |
| Return on assets (ROA) | 0.7897% | 3,242 |
| Pretax return on assets | 1.1159% | 2,788 |
| Return on Equity (ROE) | 8.0229% | 2,938 |
| Retained earnings to average equity (ytd only) | 4.7617% | 3,148 |
| Net charge-offs to loans | 1.3148% | 1,162 |
| Credit loss provision to net charge-offs | 90.5190% | 3,442 |
| Earnings coverage of net charge-offs (x) | 2.8505% | 3,420 |
| Efficiency ratio | 65.5516% | 4,966 |
| Assets per employee ($millions) | 4.2894% | 3,181 |
| Cash dividends to net income (ytd only)* | 40.6485% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 4,494 |
| Loan loss allowance to noncurrent loans | 59.8204% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.4889% | 3,972 |
| Noncurrent loans to loans | 2.3671% | 3,024 |
| Net loans and leases to total assets | 40.6545% | 6,689 |
| Net loans and leases to deposits | 47.5066% | 6,756 |
| Net loans and leases to core deposits | 51.7821% | 6,680 |
| Total domestic deposits to total assets | 85.5766% | 3,582 |
| Equity capital to assets | 10.3195% | 3,723 |
| Core capital (leverage) ratio | 9.9724% | 3,297 |
| Tier 1 risk-based capital ratio | 19.5370% | 1,709 |
| Total risk-based capital ratio | 20.6321% | 1,716 |
| Memoranda: | ||
| Average total assets | $538,935,330 | 1,238 |
| Average earning assets | $489,501,330 | 1,250 |
| Average equity | $53,048,330 | 1,267 |
| Average total loans | $219,810,330 | 1,911 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2282% | 6,215 |
| Cost of funding earning assets | 0.7422% | 5,913 |
| Net interest margin | 3.4859% | 5,074 |
| Noninterest income to average assets | 1.1119% | 1,060 |
| Noninterest expense to average assets | 2.9761% | 3,745 |
| Loan and lease loss provision to assets | 0.1792% | 3,825 |
| Net operating income to assets | 0.8518% | 2,773 |
| Return on assets (ROA) | 0.8440% | 2,862 |
| Pretax return on assets | 1.1105% | 2,723 |
| Return on Equity (ROE) | 8.7849% | 2,566 |
| Retained earnings to average equity (ytd only) | 5.7102% | 2,793 |
| Net charge-offs to loans | 0.4417% | 2,374 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 7.2562% | 1,972 |
| Efficiency ratio | 69.5983% | 4,355 |
| Assets per employee ($millions) | 4.4747% | 2,934 |
| Cash dividends to net income (ytd only)* | 35.0000% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 4,240 |
| Loan loss allowance to noncurrent loans | 58.8723% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 1.4467% | 4,102 |
| Noncurrent loans to loans | 2.5393% | 2,944 |
| Net loans and leases to total assets | 37.3043% | 6,942 |
| Net loans and leases to deposits | 43.5198% | 6,965 |
| Net loans and leases to core deposits | 47.0435% | 6,923 |
| Total domestic deposits to total assets | 85.7180% | 3,685 |
| Equity capital to assets | 9.0196% | 5,177 |
| Core capital (leverage) ratio | 9.6930% | 3,536 |
| Tier 1 risk-based capital ratio | 19.5263% | 1,686 |
| Total risk-based capital ratio | 20.6825% | 1,679 |
| Memoranda: | ||
| Average total assets | $540,313,500 | 1,246 |
| Average earning assets | $490,427,000 | 1,250 |
| Average equity | $51,907,000 | 1,285 |
| Average total loans | $219,159,500 | 1,933 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4796% | 6,445 |
| Cost of funding earning assets | 0.8048% | 6,542 |
| Net interest margin | 3.6748% | 4,470 |
| Noninterest income to average assets | 1.4553% | 682 |
| Noninterest expense to average assets | 3.3189% | 2,673 |
| Loan and lease loss provision to assets | 0.2055% | 5,185 |
| Net operating income to assets | 0.9373% | 2,248 |
| Return on assets (ROA) | 0.9928% | 2,168 |
| Pretax return on assets | 1.3026% | 1,920 |
| Return on Equity (ROE) | 9.6083% | 2,073 |
| Retained earnings to average equity (ytd only) | 5.6147% | 2,047 |
| Net charge-offs to loans | 0.3979% | 4,052 |
| Credit loss provision to net charge-offs | 119.5576% | 3,540 |
| Earnings coverage of net charge-offs (x) | 8.3481% | 1,982 |
| Efficiency ratio | 69.8127% | 4,213 |
| Assets per employee ($millions) | 3.9637% | 3,862 |
| Cash dividends to net income (ytd only)* | 41.5642% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 4,077 |
| Loan loss allowance to noncurrent loans | 79.5908% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.2678% | 4,496 |
| Noncurrent loans to loans | 1.8688% | 3,726 |
| Net loans and leases to total assets | 42.9982% | 6,794 |
| Net loans and leases to deposits | 50.4860% | 6,829 |
| Net loans and leases to core deposits | 54.1805% | 6,801 |
| Total domestic deposits to total assets | 85.1685% | 3,769 |
| Equity capital to assets | 10.2802% | 3,405 |
| Core capital (leverage) ratio | 11.0559% | 2,121 |
| Tier 1 risk-based capital ratio | 18.5790% | 1,820 |
| Total risk-based capital ratio | 19.6925% | 1,825 |
| Memoranda: | ||
| Average total assets | $499,685,000 | 1,344 |
| Average earning assets | $448,541,400 | 1,363 |
| Average equity | $51,632,600 | 1,290 |
| Average total loans | $215,893,200 | 2,003 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 6,690 |
| Cost of funding earning assets | 0.8328% | 6,644 |
| Net interest margin | 3.6276% | 4,741 |
| Noninterest income to average assets | 1.4730% | 627 |
| Noninterest expense to average assets | 3.3771% | 2,366 |
| Loan and lease loss provision to assets | 0.1564% | 5,476 |
| Net operating income to assets | 0.8466% | 2,819 |
| Return on assets (ROA) | 0.9132% | 2,706 |
| Pretax return on assets | 1.2842% | 2,213 |
| Return on Equity (ROE) | 8.8261% | 2,553 |
| Retained earnings to average equity (ytd only) | 5.5602% | 2,614 |
| Net charge-offs to loans | 0.3871% | 3,739 |
| Credit loss provision to net charge-offs | 93.7500% | 4,624 |
| Earnings coverage of net charge-offs (x) | 8.0737% | 2,216 |
| Efficiency ratio | 71.4900% | 3,804 |
| Assets per employee ($millions) | 3.9448% | 3,948 |
| Cash dividends to net income (ytd only)* | 37.0023% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 4,389 |
| Loan loss allowance to noncurrent loans | 46.9695% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 1.6629% | 3,949 |
| Noncurrent loans to loans | 3.0064% | 2,652 |
| Net loans and leases to total assets | 41.6725% | 6,997 |
| Net loans and leases to deposits | 49.2284% | 7,035 |
| Net loans and leases to core deposits | 52.6391% | 7,024 |
| Total domestic deposits to total assets | 84.6513% | 3,801 |
| Equity capital to assets | 10.3725% | 3,672 |
| Core capital (leverage) ratio | 10.9378% | 2,307 |
| Tier 1 risk-based capital ratio | 18.4164% | 1,894 |
| Total risk-based capital ratio | 19.4654% | 1,919 |
| Memoranda: | ||
| Average total assets | $498,757,250 | 1,359 |
| Average earning assets | $446,970,250 | 1,380 |
| Average equity | $51,603,250 | 1,296 |
| Average total loans | $214,936,750 | 2,049 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4936% | 6,725 |
| Cost of funding earning assets | 0.8707% | 6,690 |
| Net interest margin | 3.6229% | 4,722 |
| Noninterest income to average assets | 1.3172% | 731 |
| Noninterest expense to average assets | 3.4214% | 2,212 |
| Loan and lease loss provision to assets | 0.1522% | 5,379 |
| Net operating income to assets | 0.7111% | 3,356 |
| Return on assets (ROA) | 0.7784% | 3,218 |
| Pretax return on assets | 1.0828% | 2,834 |
| Return on Equity (ROE) | 7.5303% | 3,098 |
| Retained earnings to average equity (ytd only) | 4.1431% | 3,434 |
| Net charge-offs to loans | 0.3201% | 3,721 |
| Credit loss provision to net charge-offs | 109.6210% | 3,717 |
| Earnings coverage of net charge-offs (x) | 8.2216% | 2,170 |
| Efficiency ratio | 74.9823% | 3,269 |
| Assets per employee ($millions) | 3.5677% | 4,758 |
| Cash dividends to net income (ytd only)* | 44.9818% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 4,185 |
| Loan loss allowance to noncurrent loans | 126.4836% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8300% | 5,463 |
| Noncurrent loans to loans | 1.1448% | 5,049 |
| Net loans and leases to total assets | 42.3894% | 7,017 |
| Net loans and leases to deposits | 49.4740% | 7,091 |
| Net loans and leases to core deposits | 52.4732% | 7,115 |
| Total domestic deposits to total assets | 85.6800% | 3,275 |
| Equity capital to assets | 10.2744% | 3,683 |
| Core capital (leverage) ratio | 10.7509% | 2,432 |
| Tier 1 risk-based capital ratio | 19.2058% | 1,671 |
| Total risk-based capital ratio | 20.3585% | 1,659 |
| Memoranda: | ||
| Average total assets | $494,068,000 | 1,380 |
| Average earning assets | $442,630,000 | 1,399 |
| Average equity | $51,073,330 | 1,304 |
| Average total loans | $214,326,330 | 2,087 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4608% | 6,879 |
| Cost of funding earning assets | 0.9149% | 6,711 |
| Net interest margin | 3.5458% | 4,965 |
| Noninterest income to average assets | 1.3587% | 652 |
| Noninterest expense to average assets | 3.5900% | 1,760 |
| Loan and lease loss provision to assets | 0.1078% | 5,547 |
| Net operating income to assets | 0.6389% | 3,716 |
| Return on assets (ROA) | 0.6389% | 3,837 |
| Pretax return on assets | 0.8399% | 3,707 |
| Return on Equity (ROE) | 6.1614% | 3,792 |
| Retained earnings to average equity (ytd only) | 3.0176% | 4,325 |
| Net charge-offs to loans | 0.2475% | 3,458 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 8.7879% | 1,923 |
| Efficiency ratio | 79.1142% | 2,702 |
| Assets per employee ($millions) | 3.6971% | 4,579 |
| Cash dividends to net income (ytd only)* | 51.0230% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 4,248 |
| Loan loss allowance to noncurrent loans | 136.0843% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8370% | 5,482 |
| Noncurrent loans to loans | 1.0526% | 5,236 |
| Net loans and leases to total assets | 40.3464% | 7,230 |
| Net loans and leases to deposits | 46.5085% | 7,312 |
| Net loans and leases to core deposits | 48.9215% | 7,323 |
| Total domestic deposits to total assets | 86.7507% | 2,766 |
| Equity capital to assets | 9.6332% | 4,329 |
| Core capital (leverage) ratio | 11.0392% | 2,206 |
| Tier 1 risk-based capital ratio | 19.6522% | 1,596 |
| Total risk-based capital ratio | 20.8259% | 1,572 |
| Memoranda: | ||
| Average total assets | $489,582,500 | 1,427 |
| Average earning assets | $438,937,500 | 1,450 |
| Average equity | $50,768,000 | 1,318 |
| Average total loans | $213,305,500 | 2,147 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0365% | 6,316 |
| Cost of funding earning assets | 1.2451% | 6,488 |
| Net interest margin | 3.7915% | 3,749 |
| Noninterest income to average assets | 1.3625% | 793 |
| Noninterest expense to average assets | 3.5038% | 2,364 |
| Loan and lease loss provision to assets | 0.1733% | 5,963 |
| Net operating income to assets | 0.7436% | 2,751 |
| Return on assets (ROA) | 0.7436% | 2,839 |
| Pretax return on assets | 1.0620% | 2,371 |
| Return on Equity (ROE) | 6.7536% | 2,888 |
| Retained earnings to average equity (ytd only) | 2.5978% | 3,324 |
| Net charge-offs to loans | 0.3751% | 4,333 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 7.1280% | 2,214 |
| Efficiency ratio | 73.9336% | 3,910 |
| Assets per employee ($millions) | 3.1949% | 5,733 |
| Cash dividends to net income (ytd only)* | 61.5339% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 3,859 |
| Loan loss allowance to noncurrent loans | 148.1128% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.9519% | 5,203 |
| Noncurrent loans to loans | 0.9957% | 5,325 |
| Net loans and leases to total assets | 45.9745% | 6,978 |
| Net loans and leases to deposits | 54.0483% | 7,047 |
| Net loans and leases to core deposits | 63.9655% | 7,090 |
| Total domestic deposits to total assets | 85.0617% | 3,524 |
| Equity capital to assets | 11.2339% | 2,510 |
| Core capital (leverage) ratio | 11.5201% | 1,905 |
| Tier 1 risk-based capital ratio | 19.1224% | 1,629 |
| Total risk-based capital ratio | 20.2720% | 1,615 |
| Memoranda: | ||
| Average total assets | $450,656,800 | 1,535 |
| Average earning assets | $401,347,600 | 1,582 |
| Average equity | $49,618,000 | 1,355 |
| Average total loans | $208,186,000 | 2,220 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 6,518 |
| Cost of funding earning assets | 1.2976% | 6,566 |
| Net interest margin | 3.7308% | 3,945 |
| Noninterest income to average assets | 1.3851% | 788 |
| Noninterest expense to average assets | 3.5192% | 2,231 |
| Loan and lease loss provision to assets | 0.1299% | 6,055 |
| Net operating income to assets | 0.7325% | 3,084 |
| Return on assets (ROA) | 0.7325% | 3,153 |
| Pretax return on assets | 1.0591% | 2,709 |
| Return on Equity (ROE) | 6.6866% | 3,224 |
| Retained earnings to average equity (ytd only) | 3.2731% | 3,482 |
| Net charge-offs to loans | 0.2818% | 4,271 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 9.1549% | 2,142 |
| Efficiency ratio | 74.7471% | 3,731 |
| Assets per employee ($millions) | 3.2482% | 5,522 |
| Cash dividends to net income (ytd only)* | 51.0501% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 3,678 |
| Loan loss allowance to noncurrent loans | 106.1644% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 5,786 |
| Noncurrent loans to loans | 1.3691% | 4,634 |
| Net loans and leases to total assets | 45.2494% | 7,156 |
| Net loans and leases to deposits | 52.9829% | 7,259 |
| Net loans and leases to core deposits | 61.9972% | 7,325 |
| Total domestic deposits to total assets | 85.4038% | 3,024 |
| Equity capital to assets | 10.7912% | 3,217 |
| Core capital (leverage) ratio | 11.5713% | 2,032 |
| Tier 1 risk-based capital ratio | 19.5785% | 1,635 |
| Total risk-based capital ratio | 20.7521% | 1,606 |
| Memoranda: | ||
| Average total assets | $450,702,500 | 1,553 |
| Average earning assets | $401,438,000 | 1,598 |
| Average equity | $49,371,000 | 1,383 |
| Average total loans | $207,681,750 | 2,245 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1174% | 6,362 |
| Cost of funding earning assets | 1.3513% | 6,642 |
| Net interest margin | 3.7661% | 3,696 |
| Noninterest income to average assets | 1.3853% | 796 |
| Noninterest expense to average assets | 3.5803% | 2,122 |
| Loan and lease loss provision to assets | 0.0605% | 6,615 |
| Net operating income to assets | 0.7196% | 3,170 |
| Return on assets (ROA) | 0.7196% | 3,277 |
| Pretax return on assets | 1.0944% | 2,661 |
| Return on Equity (ROE) | 6.5351% | 3,417 |
| Retained earnings to average equity (ytd only) | 3.0130% | 3,640 |
| Net charge-offs to loans | 0.1312% | 4,856 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 19.0815% | 1,382 |
| Efficiency ratio | 75.6107% | 3,760 |
| Assets per employee ($millions) | 3.0510% | 5,997 |
| Cash dividends to net income (ytd only)* | 53.8941% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 3,344 |
| Loan loss allowance to noncurrent loans | 108.6195% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6589% | 5,767 |
| Noncurrent loans to loans | 1.3548% | 4,502 |
| Net loans and leases to total assets | 46.2808% | 7,175 |
| Net loans and leases to deposits | 54.9970% | 7,220 |
| Net loans and leases to core deposits | 65.0787% | 7,251 |
| Total domestic deposits to total assets | 84.1514% | 3,676 |
| Equity capital to assets | 11.0111% | 2,913 |
| Core capital (leverage) ratio | 11.4818% | 2,097 |
| Tier 1 risk-based capital ratio | 19.8436% | 1,613 |
| Total risk-based capital ratio | 21.0420% | 1,573 |
| Memoranda: | ||
| Average total assets | $446,103,670 | 1,591 |
| Average earning assets | $396,806,330 | 1,640 |
| Average equity | $49,119,670 | 1,399 |
| Average total loans | $205,814,670 | 2,283 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2749% | 6,008 |
| Cost of funding earning assets | 1.3680% | 6,824 |
| Net interest margin | 3.9068% | 3,019 |
| Noninterest income to average assets | 1.2919% | 854 |
| Noninterest expense to average assets | 3.6987% | 1,658 |
| Loan and lease loss provision to assets | 0.0665% | 6,116 |
| Net operating income to assets | 0.6959% | 3,580 |
| Return on assets (ROA) | 0.6959% | 3,765 |
| Pretax return on assets | 0.9980% | 3,351 |
| Return on Equity (ROE) | 6.3200% | 3,891 |
| Retained earnings to average equity (ytd only) | 3.0620% | 4,174 |
| Net charge-offs to loans | 0.1455% | 3,801 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,573 |
| Efficiency ratio | 77.6519% | 3,229 |
| Assets per employee ($millions) | 3.0644% | 5,983 |
| Cash dividends to net income (ytd only)* | 51.5504% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 2,926 |
| Loan loss allowance to noncurrent loans | 142.0064% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 5,887 |
| Noncurrent loans to loans | 1.0633% | 4,854 |
| Net loans and leases to total assets | 44.5838% | 7,294 |
| Net loans and leases to deposits | 53.2011% | 7,330 |
| Net loans and leases to core deposits | 62.9945% | 7,354 |
| Total domestic deposits to total assets | 83.8024% | 3,801 |
| Equity capital to assets | 10.8188% | 3,158 |
| Core capital (leverage) ratio | 11.5308% | 2,127 |
| Tier 1 risk-based capital ratio | 20.1315% | 1,603 |
| Total risk-based capital ratio | 21.3541% | 1,560 |
| Memoranda: | ||
| Average total assets | $444,909,000 | 1,596 |
| Average earning assets | $395,309,500 | 1,653 |
| Average equity | $48,987,500 | 1,407 |
| Average total loans | $203,389,000 | 2,330 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8314% | 6,330 |
| Cost of funding earning assets | 1.7426% | 7,153 |
| Net interest margin | 4.0888% | 2,763 |
| Noninterest income to average assets | 1.4776% | 646 |
| Noninterest expense to average assets | 3.4812% | 2,450 |
| Loan and lease loss provision to assets | 0.1213% | 5,809 |
| Net operating income to assets | 1.0122% | 2,500 |
| Return on assets (ROA) | 1.0294% | 2,319 |
| Pretax return on assets | 1.5095% | 1,659 |
| Return on Equity (ROE) | 9.6458% | 2,379 |
| Retained earnings to average equity (ytd only) | 5.6146% | 1,706 |
| Net charge-offs to loans | 0.2811% | 3,523 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 13.2327% | 2,150 |
| Efficiency ratio | 68.4349% | 4,646 |
| Assets per employee ($millions) | 3.0297% | 5,984 |
| Cash dividends to net income (ytd only)* | 41.7923% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 2,508 |
| Loan loss allowance to noncurrent loans | 494.4179% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 6,777 |
| Noncurrent loans to loans | 0.3112% | 6,445 |
| Net loans and leases to total assets | 45.4693% | 7,375 |
| Net loans and leases to deposits | 54.0044% | 7,435 |
| Net loans and leases to core deposits | 63.9851% | 7,444 |
| Total domestic deposits to total assets | 84.1956% | 3,222 |
| Equity capital to assets | 11.2102% | 2,877 |
| Core capital (leverage) ratio | 10.9361% | 2,639 |
| Tier 1 risk-based capital ratio | 20.6235% | 1,517 |
| Total risk-based capital ratio | 21.8738% | 1,487 |
| Memoranda: | ||
| Average total assets | $463,980,200 | 1,483 |
| Average earning assets | $409,556,200 | 1,525 |
| Average equity | $49,513,600 | 1,375 |
| Average total loans | $200,320,000 | 2,293 |