Home > Metairie Bank & Trust Company > Performance and Condition Ratios
Metairie Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 3,336 |
| Cost of funding earning assets | 0.4827% | 4,209 |
| Net interest margin | 3.8820% | 1,411 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.8580% | 1,379 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.0027% | 2,214 |
| Return on assets (ROA) | 1.0041% | 2,192 |
| Pretax return on assets | 1.2557% | 1,993 |
| Return on Equity (ROE) | 11.2500% | 2,158 |
| Retained earnings to average equity (ytd only) | 6.5964% | 2,021 |
| Net charge-offs to loans | 0.0585% | 1,271 |
| Credit loss provision to net charge-offs | 330.3167% | 894 |
| Earnings coverage of net charge-offs (x) | 36.2398% | 1,508 |
| Efficiency ratio | 67.5381% | 2,166 |
| Assets per employee ($millions) | 5.0522% | 3,601 |
| Cash dividends to net income (ytd only)* | 41.3734% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 3,157 |
| Loan loss allowance to noncurrent loans | 193.4803% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 1,501 |
| Noncurrent loans to loans | 0.5327% | 1,461 |
| Net loans and leases to total assets | 68.4600% | 1,983 |
| Net loans and leases to deposits | 81.7022% | 1,973 |
| Net loans and leases to core deposits | 85.1529% | 2,367 |
| Total domestic deposits to total assets | 83.7900% | 2,675 |
| Equity capital to assets | 9.3488% | 2,456 |
| Core capital (leverage) ratio | 11.1989% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $583,020,000 | 1,517 |
| Average earning assets | $546,499,000 | 1,504 |
| Average equity | $52,028,400 | 1,555 |
| Average total loans | $377,762,200 | 1,525 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 3,304 |
| Cost of funding earning assets | 0.3586% | 4,307 |
| Net interest margin | 3.9359% | 1,331 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.8825% | 1,262 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.0118% | 2,335 |
| Return on assets (ROA) | 1.0136% | 2,312 |
| Pretax return on assets | 1.2888% | 2,072 |
| Return on Equity (ROE) | 11.5000% | 2,254 |
| Retained earnings to average equity (ytd only) | 8.8374% | 1,730 |
| Net charge-offs to loans | 0.0663% | 1,009 |
| Credit loss provision to net charge-offs | 269.5652% | 946 |
| Earnings coverage of net charge-offs (x) | 32.9891% | 1,546 |
| Efficiency ratio | 67.4199% | 2,087 |
| Assets per employee ($millions) | 4.9640% | 3,630 |
| Cash dividends to net income (ytd only)* | 23.1379% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,233 |
| Loan loss allowance to noncurrent loans | 960.5327% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 3,124 |
| Noncurrent loans to loans | 0.1068% | 3,037 |
| Net loans and leases to total assets | 66.4700% | 2,204 |
| Net loans and leases to deposits | 76.9552% | 2,339 |
| Net loans and leases to core deposits | 79.3761% | 2,646 |
| Total domestic deposits to total assets | 86.3700% | 2,077 |
| Equity capital to assets | 8.8462% | 2,506 |
| Core capital (leverage) ratio | 11.3375% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $580,999,250 | 1,525 |
| Average earning assets | $544,719,250 | 1,513 |
| Average equity | $51,220,250 | 1,563 |
| Average total loans | $369,985,000 | 1,548 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 3,278 |
| Cost of funding earning assets | 0.2386% | 4,389 |
| Net interest margin | 3.9689% | 1,298 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.8545% | 1,318 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.0338% | 2,306 |
| Return on assets (ROA) | 1.0365% | 2,290 |
| Pretax return on assets | 1.3214% | 2,017 |
| Return on Equity (ROE) | 11.7700% | 2,225 |
| Retained earnings to average equity (ytd only) | 7.7873% | 2,040 |
| Net charge-offs to loans | 0.0845% | 756 |
| Credit loss provision to net charge-offs | 242.2078% | 967 |
| Earnings coverage of net charge-offs (x) | 27.4740% | 1,591 |
| Efficiency ratio | 66.2815% | 2,199 |
| Assets per employee ($millions) | 4.9121% | 3,666 |
| Cash dividends to net income (ytd only)* | 33.8411% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 3,312 |
| Loan loss allowance to noncurrent loans | 403.5417% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 2,388 |
| Noncurrent loans to loans | 0.2541% | 2,248 |
| Net loans and leases to total assets | 65.0600% | 2,275 |
| Net loans and leases to deposits | 74.7836% | 2,418 |
| Net loans and leases to core deposits | 76.2004% | 2,747 |
| Total domestic deposits to total assets | 87.0000% | 1,924 |
| Equity capital to assets | 9.0624% | 2,475 |
| Core capital (leverage) ratio | 11.1005% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $582,722,667 | 1,523 |
| Average earning assets | $547,260,667 | 1,507 |
| Average equity | $51,314,000 | 1,568 |
| Average total loans | $364,409,000 | 1,552 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1290% | 3,188 |
| Cost of funding earning assets | 0.1625% | 4,432 |
| Net interest margin | 3.9665% | 1,334 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.8954% | 1,242 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0663% | 2,330 |
| Return on assets (ROA) | 1.0663% | 2,299 |
| Pretax return on assets | 1.3362% | 2,067 |
| Return on Equity (ROE) | 12.2800% | 2,148 |
| Retained earnings to average equity (ytd only) | 12.2836% | 1,217 |
| Net charge-offs to loans | 0.0895% | 634 |
| Credit loss provision to net charge-offs | 188.7500% | 847 |
| Earnings coverage of net charge-offs (x) | 25.5875% | 1,363 |
| Efficiency ratio | 67.4770% | 2,039 |
| Assets per employee ($millions) | 5.0701% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 3,415 |
| Loan loss allowance to noncurrent loans | 897.8313% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,085 |
| Noncurrent loans to loans | 0.1140% | 2,951 |
| Net loans and leases to total assets | 61.7900% | 2,485 |
| Net loans and leases to deposits | 68.5462% | 2,731 |
| Net loans and leases to core deposits | 69.4745% | 2,988 |
| Total domestic deposits to total assets | 90.1500% | 1,107 |
| Equity capital to assets | 9.0644% | 2,464 |
| Core capital (leverage) ratio | 10.8088% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $586,727,000 | 1,533 |
| Average earning assets | $551,513,000 | 1,516 |
| Average equity | $50,929,500 | 1,587 |
| Average total loans | $357,709,000 | 1,584 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3582% | 3,457 |
| Cost of funding earning assets | 0.1220% | 4,273 |
| Net interest margin | 3.2362% | 2,746 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.6455% | 1,691 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.6735% | 3,694 |
| Return on assets (ROA) | 0.6735% | 3,645 |
| Pretax return on assets | 0.8291% | 3,552 |
| Return on Equity (ROE) | 8.0100% | 3,388 |
| Retained earnings to average equity (ytd only) | 4.0557% | 3,379 |
| Net charge-offs to loans | 0.2839% | 274 |
| Credit loss provision to net charge-offs | 114.0659% | 1,488 |
| Earnings coverage of net charge-offs (x) | 6.7429% | 2,327 |
| Efficiency ratio | 72.6096% | 1,373 |
| Assets per employee ($millions) | 5.0896% | 3,603 |
| Cash dividends to net income (ytd only)* | 49.3601% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 2,945 |
| Loan loss allowance to noncurrent loans | 690.2703% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 2,890 |
| Noncurrent loans to loans | 0.1579% | 2,709 |
| Net loans and leases to total assets | 58.8700% | 2,743 |
| Net loans and leases to deposits | 64.6900% | 2,980 |
| Net loans and leases to core deposits | 65.5532% | 3,163 |
| Total domestic deposits to total assets | 91.0100% | 955 |
| Equity capital to assets | 8.3009% | 2,855 |
| Core capital (leverage) ratio | 10.1147% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $614,848,600 | 1,447 |
| Average earning assets | $582,064,000 | 1,422 |
| Average equity | $51,704,600 | 1,573 |
| Average total loans | $320,541,000 | 1,635 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1311% | 3,598 |
| Cost of funding earning assets | 0.1172% | 4,144 |
| Net interest margin | 3.0140% | 3,186 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.5326% | 1,914 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.5714% | 3,908 |
| Return on assets (ROA) | 0.5714% | 3,862 |
| Pretax return on assets | 0.7386% | 3,716 |
| Return on Equity (ROE) | 6.7700% | 3,635 |
| Retained earnings to average equity (ytd only) | 4.1721% | 3,386 |
| Net charge-offs to loans | 0.3124% | 206 |
| Credit loss provision to net charge-offs | 103.0014% | 1,301 |
| Earnings coverage of net charge-offs (x) | 5.7231% | 2,135 |
| Efficiency ratio | 73.7649% | 1,303 |
| Assets per employee ($millions) | 5.3699% | 3,356 |
| Cash dividends to net income (ytd only)* | 38.4066% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 3,058 |
| Loan loss allowance to noncurrent loans | 450.5441% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 2,661 |
| Noncurrent loans to loans | 0.2422% | 2,414 |
| Net loans and leases to total assets | 55.1700% | 2,988 |
| Net loans and leases to deposits | 60.1452% | 3,188 |
| Net loans and leases to core deposits | 60.9347% | 3,311 |
| Total domestic deposits to total assets | 91.7400% | 957 |
| Equity capital to assets | 7.4917% | 3,224 |
| Core capital (leverage) ratio | 9.8191% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $620,962,750 | 1,442 |
| Average earning assets | $589,421,250 | 1,416 |
| Average equity | $52,378,750 | 1,584 |
| Average total loans | $312,825,000 | 1,659 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8692% | 3,854 |
| Cost of funding earning assets | 0.1149% | 4,023 |
| Net interest margin | 2.7543% | 3,565 |
| Noninterest income to average assets | 0.5789% | 1,832 |
| Noninterest expense to average assets | 2.4790% | 2,001 |
| Loan and lease loss provision to assets | 0.1282% | 758 |
| Net operating income to assets | 0.4594% | 3,987 |
| Return on assets (ROA) | 0.4594% | 3,940 |
| Pretax return on assets | 0.5927% | 3,829 |
| Return on Equity (ROE) | 5.2538% | 3,765 |
| Retained earnings to average equity (ytd only) | 1.5068% | 3,879 |
| Net charge-offs to loans | 0.4610% | 148 |
| Credit loss provision to net charge-offs | 57.2246% | 1,463 |
| Earnings coverage of net charge-offs (x) | 3.2175% | 2,005 |
| Efficiency ratio | 77.4694% | 1,132 |
| Assets per employee ($millions) | 5.4213% | 3,300 |
| Cash dividends to net income (ytd only)* | 71.3189% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,304 |
| Loan loss allowance to noncurrent loans | 243.3167% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 2,201 |
| Noncurrent loans to loans | 0.4374% | 1,812 |
| Net loans and leases to total assets | 50.3149% | 3,335 |
| Net loans and leases to deposits | 55.0900% | 3,459 |
| Net loans and leases to core deposits | 55.9745% | 3,567 |
| Total domestic deposits to total assets | 91.3323% | 1,093 |
| Equity capital to assets | 7.9770% | 3,140 |
| Core capital (leverage) ratio | 9.5531% | 2,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $623,893,000 | 1,451 |
| Average earning assets | $593,688,333 | 1,422 |
| Average equity | $54,551,000 | 1,564 |
| Average total loans | $303,270,667 | 1,690 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6779% | 3,987 |
| Cost of funding earning assets | 0.1141% | 3,959 |
| Net interest margin | 2.5638% | 3,743 |
| Noninterest income to average assets | 0.6115% | 1,646 |
| Noninterest expense to average assets | 2.4081% | 2,132 |
| Loan and lease loss provision to assets | 0.0483% | 1,503 |
| Net operating income to assets | 0.4738% | 3,775 |
| Return on assets (ROA) | 0.4738% | 3,745 |
| Pretax return on assets | 0.5993% | 3,635 |
| Return on Equity (ROE) | 5.1882% | 3,571 |
| Retained earnings to average equity (ytd only) | 5.1882% | 2,518 |
| Net charge-offs to loans | 0.0475% | 817 |
| Credit loss provision to net charge-offs | 214.2857% | 753 |
| Earnings coverage of net charge-offs (x) | 28.7429% | 1,152 |
| Efficiency ratio | 78.8077% | 1,243 |
| Assets per employee ($millions) | 5.7333% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 2,559 |
| Loan loss allowance to noncurrent loans | 497.2112% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 2,985 |
| Noncurrent loans to loans | 0.2530% | 2,574 |
| Net loans and leases to total assets | 46.5948% | 3,527 |
| Net loans and leases to deposits | 51.3446% | 3,622 |
| Net loans and leases to core deposits | 52.1472% | 3,725 |
| Total domestic deposits to total assets | 90.7490% | 1,159 |
| Equity capital to assets | 8.5842% | 3,095 |
| Core capital (leverage) ratio | 9.8387% | 2,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $621,403,000 | 1,457 |
| Average earning assets | $592,411,000 | 1,426 |
| Average equity | $56,744,000 | 1,550 |
| Average total loans | $294,995,500 | 1,718 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6321% | 2,302 |
| Cost of funding earning assets | 0.1633% | 3,837 |
| Net interest margin | 3.4688% | 1,838 |
| Noninterest income to average assets | 0.6724% | 1,861 |
| Noninterest expense to average assets | 2.7984% | 1,366 |
| Loan and lease loss provision to assets | 0.0914% | 1,366 |
| Net operating income to assets | 0.8595% | 3,159 |
| Return on assets (ROA) | 0.8595% | 3,226 |
| Pretax return on assets | 1.0767% | 3,043 |
| Return on Equity (ROE) | 9.9918% | 2,521 |
| Retained earnings to average equity (ytd only) | 5.6465% | 2,501 |
| Net charge-offs to loans | 0.0522% | 1,280 |
| Credit loss provision to net charge-offs | 289.0173% | 1,087 |
| Earnings coverage of net charge-offs (x) | 36.9249% | 1,480 |
| Efficiency ratio | 70.5500% | 1,672 |
| Assets per employee ($millions) | 5.7210% | 3,032 |
| Cash dividends to net income (ytd only)* | 43.4894% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,523 |
| Loan loss allowance to noncurrent loans | 502.4423% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 3,087 |
| Noncurrent loans to loans | 0.2521% | 2,716 |
| Net loans and leases to total assets | 47.1602% | 3,583 |
| Net loans and leases to deposits | 52.6445% | 3,694 |
| Net loans and leases to core deposits | 53.4073% | 3,799 |
| Total domestic deposits to total assets | 89.5824% | 1,184 |
| Equity capital to assets | 9.6955% | 2,946 |
| Core capital (leverage) ratio | 10.2042% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $546,841,400 | 1,584 |
| Average earning assets | $519,313,800 | 1,548 |
| Average equity | $47,038,400 | 1,859 |
| Average total loans | $331,245,400 | 1,587 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8668% | 1,867 |
| Cost of funding earning assets | 0.1769% | 3,848 |
| Net interest margin | 3.6899% | 1,357 |
| Noninterest income to average assets | 0.6816% | 1,882 |
| Noninterest expense to average assets | 2.8719% | 1,185 |
| Loan and lease loss provision to assets | 0.1069% | 1,131 |
| Net operating income to assets | 0.9688% | 3,025 |
| Return on assets (ROA) | 0.9688% | 3,106 |
| Pretax return on assets | 1.1991% | 2,935 |
| Return on Equity (ROE) | 11.6921% | 2,144 |
| Retained earnings to average equity (ytd only) | 8.5924% | 1,841 |
| Net charge-offs to loans | 0.0606% | 1,033 |
| Credit loss provision to net charge-offs | 274.1935% | 1,047 |
| Earnings coverage of net charge-offs (x) | 33.5226% | 1,465 |
| Efficiency ratio | 68.7421% | 1,732 |
| Assets per employee ($millions) | 4.8636% | 3,831 |
| Cash dividends to net income (ytd only)* | 26.5110% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 3,104 |
| Loan loss allowance to noncurrent loans | 416.2100% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 3,082 |
| Noncurrent loans to loans | 0.2820% | 2,787 |
| Net loans and leases to total assets | 54.4172% | 2,923 |
| Net loans and leases to deposits | 59.7212% | 3,258 |
| Net loans and leases to core deposits | 60.7915% | 3,417 |
| Total domestic deposits to total assets | 91.1188% | 331 |
| Equity capital to assets | 7.9941% | 4,524 |
| Core capital (leverage) ratio | 8.2828% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $530,515,000 | 1,634 |
| Average earning assets | $502,656,000 | 1,604 |
| Average equity | $43,960,250 | 1,975 |
| Average total loans | $340,958,500 | 1,585 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1102% | 1,324 |
| Cost of funding earning assets | 0.1815% | 3,934 |
| Net interest margin | 3.9287% | 920 |
| Noninterest income to average assets | 0.7137% | 1,754 |
| Noninterest expense to average assets | 2.8982% | 1,149 |
| Loan and lease loss provision to assets | 0.1348% | 911 |
| Net operating income to assets | 1.1350% | 2,416 |
| Return on assets (ROA) | 1.1350% | 2,479 |
| Pretax return on assets | 1.3996% | 2,344 |
| Return on Equity (ROE) | 13.5246% | 1,560 |
| Retained earnings to average equity (ytd only) | 8.8343% | 1,764 |
| Net charge-offs to loans | 0.0706% | 925 |
| Credit loss provision to net charge-offs | 282.2581% | 913 |
| Earnings coverage of net charge-offs (x) | 32.1290% | 1,273 |
| Efficiency ratio | 65.3836% | 2,239 |
| Assets per employee ($millions) | 4.6059% | 4,012 |
| Cash dividends to net income (ytd only)* | 34.6793% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 3,526 |
| Loan loss allowance to noncurrent loans | 870.0483% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 3,699 |
| Noncurrent loans to loans | 0.1235% | 3,573 |
| Net loans and leases to total assets | 61.0240% | 2,300 |
| Net loans and leases to deposits | 66.9555% | 2,726 |
| Net loans and leases to core deposits | 68.2721% | 2,938 |
| Total domestic deposits to total assets | 91.1412% | 330 |
| Equity capital to assets | 8.1291% | 4,468 |
| Core capital (leverage) ratio | 8.2782% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $519,293,333 | 1,657 |
| Average earning assets | $491,563,000 | 1,632 |
| Average equity | $43,580,000 | 1,971 |
| Average total loans | $351,059,000 | 1,551 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 1,099 |
| Cost of funding earning assets | 0.1851% | 4,044 |
| Net interest margin | 4.0771% | 752 |
| Noninterest income to average assets | 0.7003% | 1,866 |
| Noninterest expense to average assets | 3.0300% | 946 |
| Loan and lease loss provision to assets | 0.2169% | 541 |
| Net operating income to assets | 1.0876% | 2,519 |
| Return on assets (ROA) | 1.0876% | 2,592 |
| Pretax return on assets | 1.3092% | 2,545 |
| Return on Equity (ROE) | 12.7451% | 1,741 |
| Retained earnings to average equity (ytd only) | 12.7451% | 967 |
| Net charge-offs to loans | 0.0869% | 757 |
| Credit loss provision to net charge-offs | 352.5641% | 697 |
| Earnings coverage of net charge-offs (x) | 24.8077% | 1,166 |
| Efficiency ratio | 66.5051% | 2,156 |
| Assets per employee ($millions) | 4.4405% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 3,898 |
| Loan loss allowance to noncurrent loans | 560.0313% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 3,568 |
| Noncurrent loans to loans | 0.1759% | 3,479 |
| Net loans and leases to total assets | 67.9646% | 1,538 |
| Net loans and leases to deposits | 74.7299% | 2,048 |
| Net loans and leases to core deposits | 76.3648% | 2,316 |
| Total domestic deposits to total assets | 90.9470% | 422 |
| Equity capital to assets | 8.2792% | 4,298 |
| Core capital (leverage) ratio | 8.6500% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $507,193,000 | 1,672 |
| Average earning assets | $479,654,500 | 1,650 |
| Average equity | $43,279,500 | 1,973 |
| Average total loans | $358,956,500 | 1,530 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1599% | 2,254 |
| Cost of funding earning assets | 0.2409% | 4,419 |
| Net interest margin | 3.9190% | 1,165 |
| Noninterest income to average assets | 0.7253% | 1,766 |
| Noninterest expense to average assets | 3.2480% | 975 |
| Loan and lease loss provision to assets | 0.1622% | 2,346 |
| Net operating income to assets | 0.7944% | 3,116 |
| Return on assets (ROA) | 0.7998% | 3,216 |
| Pretax return on assets | 0.9926% | 3,067 |
| Return on Equity (ROE) | 8.5200% | 2,592 |
| Retained earnings to average equity (ytd only) | 3.6501% | 3,010 |
| Net charge-offs to loans | 0.0361% | 2,332 |
| Credit loss provision to net charge-offs | 584.6774% | 1,121 |
| Earnings coverage of net charge-offs (x) | 41.3952% | 1,354 |
| Efficiency ratio | 73.8845% | 1,462 |
| Assets per employee ($millions) | 4.0497% | 4,338 |
| Cash dividends to net income (ytd only)* | 57.1588% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 4,040 |
| Loan loss allowance to noncurrent loans | 701.8711% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 3,817 |
| Noncurrent loans to loans | 0.1354% | 3,743 |
| Net loans and leases to total assets | 72.3972% | 1,243 |
| Net loans and leases to deposits | 80.1966% | 1,844 |
| Net loans and leases to core deposits | 82.0403% | 2,188 |
| Total domestic deposits to total assets | 90.2746% | 459 |
| Equity capital to assets | 8.8093% | 4,216 |
| Core capital (leverage) ratio | 8.6733% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,102,000 | 1,712 |
| Average earning assets | $418,780,600 | 1,698 |
| Average equity | $41,971,800 | 1,948 |
| Average total loans | $343,691,800 | 1,524 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2198% | 2,341 |
| Cost of funding earning assets | 0.2492% | 4,516 |
| Net interest margin | 3.9706% | 1,181 |
| Noninterest income to average assets | 0.7060% | 1,782 |
| Noninterest expense to average assets | 3.2867% | 924 |
| Loan and lease loss provision to assets | 0.1600% | 2,398 |
| Net operating income to assets | 0.7833% | 3,160 |
| Return on assets (ROA) | 0.7907% | 3,244 |
| Pretax return on assets | 0.9797% | 3,134 |
| Return on Equity (ROE) | 8.2816% | 2,695 |
| Retained earnings to average equity (ytd only) | 5.0188% | 2,549 |
| Net charge-offs to loans | 0.0207% | 2,441 |
| Credit loss provision to net charge-offs | 990.5660% | 829 |
| Earnings coverage of net charge-offs (x) | 69.9811% | 998 |
| Efficiency ratio | 74.4048% | 1,373 |
| Assets per employee ($millions) | 4.0498% | 4,281 |
| Cash dividends to net income (ytd only)* | 39.3986% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 4,121 |
| Loan loss allowance to noncurrent loans | 662.6531% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 3,928 |
| Noncurrent loans to loans | 0.1334% | 3,846 |
| Net loans and leases to total assets | 74.9431% | 1,243 |
| Net loans and leases to deposits | 83.0923% | 2,007 |
| Net loans and leases to core deposits | 84.9074% | 2,391 |
| Total domestic deposits to total assets | 90.1925% | 367 |
| Equity capital to assets | 8.8091% | 4,248 |
| Core capital (leverage) ratio | 9.0688% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $437,386,250 | 1,720 |
| Average earning assets | $408,823,500 | 1,711 |
| Average equity | $41,762,250 | 1,939 |
| Average total loans | $340,814,500 | 1,525 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 2,439 |
| Cost of funding earning assets | 0.2556% | 4,606 |
| Net interest margin | 4.0579% | 1,200 |
| Noninterest income to average assets | 0.7327% | 1,632 |
| Noninterest expense to average assets | 3.3961% | 856 |
| Loan and lease loss provision to assets | 0.2137% | 1,941 |
| Net operating income to assets | 0.7344% | 3,266 |
| Return on assets (ROA) | 0.7460% | 3,338 |
| Pretax return on assets | 0.9212% | 3,257 |
| Return on Equity (ROE) | 7.5870% | 2,900 |
| Retained earnings to average equity (ytd only) | 2.6513% | 3,529 |
| Net charge-offs to loans | 0.0271% | 2,178 |
| Credit loss provision to net charge-offs | 1,000.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 52.4444% | 1,067 |
| Efficiency ratio | 75.1892% | 1,348 |
| Assets per employee ($millions) | 3.9507% | 4,358 |
| Cash dividends to net income (ytd only)* | 65.0541% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 4,115 |
| Loan loss allowance to noncurrent loans | 541.7376% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 3,900 |
| Noncurrent loans to loans | 0.1611% | 3,808 |
| Net loans and leases to total assets | 77.4853% | 919 |
| Net loans and leases to deposits | 86.1351% | 1,750 |
| Net loans and leases to core deposits | 87.7407% | 2,275 |
| Total domestic deposits to total assets | 89.9578% | 410 |
| Equity capital to assets | 8.9514% | 4,127 |
| Core capital (leverage) ratio | 9.3923% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $421,189,333 | 1,746 |
| Average earning assets | $392,769,333 | 1,746 |
| Average equity | $41,413,000 | 1,940 |
| Average total loans | $331,935,000 | 1,544 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5546% | 2,139 |
| Cost of funding earning assets | 0.2712% | 4,731 |
| Net interest margin | 4.2834% | 787 |
| Noninterest income to average assets | 0.8317% | 1,217 |
| Noninterest expense to average assets | 3.6389% | 769 |
| Loan and lease loss provision to assets | 0.0752% | 2,793 |
| Net operating income to assets | 0.8819% | 2,577 |
| Return on assets (ROA) | 0.8819% | 2,678 |
| Pretax return on assets | 1.0956% | 2,539 |
| Return on Equity (ROE) | 8.5227% | 2,303 |
| Retained earnings to average equity (ytd only) | 8.5227% | 1,096 |
| Net charge-offs to loans | 0.0684% | 1,341 |
| Credit loss provision to net charge-offs | 138.8889% | 1,625 |
| Earnings coverage of net charge-offs (x) | 21.6111% | 1,385 |
| Efficiency ratio | 75.6571% | 1,603 |
| Assets per employee ($millions) | 3.3575% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 4,208 |
| Loan loss allowance to noncurrent loans | 651.7483% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 4,094 |
| Noncurrent loans to loans | 0.1342% | 3,983 |
| Net loans and leases to total assets | 78.6390% | 885 |
| Net loans and leases to deposits | 88.8481% | 1,659 |
| Net loans and leases to core deposits | 90.7355% | 2,275 |
| Total domestic deposits to total assets | 88.5095% | 878 |
| Equity capital to assets | 10.3701% | 3,456 |
| Core capital (leverage) ratio | 10.5963% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $398,692,000 | 1,769 |
| Average earning assets | $370,264,000 | 1,776 |
| Average equity | $41,254,500 | 1,943 |
| Average total loans | $315,700,500 | 1,571 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 2,439 |
| Cost of funding earning assets | 0.2705% | 4,800 |
| Net interest margin | 4.3885% | 914 |
| Noninterest income to average assets | 0.8141% | 1,413 |
| Noninterest expense to average assets | 3.5680% | 877 |
| Loan and lease loss provision to assets | 0.0880% | 2,261 |
| Net operating income to assets | 0.9928% | 2,875 |
| Return on assets (ROA) | 0.9928% | 2,956 |
| Pretax return on assets | 1.2342% | 2,725 |
| Return on Equity (ROE) | 9.9540% | 2,313 |
| Retained earnings to average equity (ytd only) | 4.5916% | 2,655 |
| Net charge-offs to loans | 0.0511% | 2,384 |
| Credit loss provision to net charge-offs | 215.4321% | 1,227 |
| Earnings coverage of net charge-offs (x) | 32.3827% | 1,505 |
| Efficiency ratio | 72.9629% | 1,741 |
| Assets per employee ($millions) | 3.2335% | 4,680 |
| Cash dividends to net income (ytd only)* | 53.8715% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,004 |
| Loan loss allowance to noncurrent loans | 573.3471% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 4,029 |
| Noncurrent loans to loans | 0.1552% | 3,906 |
| Net loans and leases to total assets | 78.3286% | 1,023 |
| Net loans and leases to deposits | 88.4509% | 1,779 |
| Net loans and leases to core deposits | 90.3674% | 2,390 |
| Total domestic deposits to total assets | 88.5560% | 859 |
| Equity capital to assets | 10.3243% | 3,610 |
| Core capital (leverage) ratio | 10.1621% | 3,339 |
| Tier 1 risk-based capital ratio | 14.6149% | 2,954 |
| Total risk-based capital ratio | 15.5924% | 3,004 |
| Memoranda: | ||
| Average total assets | $396,771,400 | 1,751 |
| Average earning assets | $368,529,400 | 1,753 |
| Average equity | $39,572,200 | 1,953 |
| Average total loans | $316,752,200 | 1,537 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6520% | 2,559 |
| Cost of funding earning assets | 0.2680% | 4,881 |
| Net interest margin | 4.3840% | 982 |
| Noninterest income to average assets | 0.7939% | 1,435 |
| Noninterest expense to average assets | 3.5656% | 883 |
| Loan and lease loss provision to assets | 0.0919% | 2,070 |
| Net operating income to assets | 0.9694% | 3,084 |
| Return on assets (ROA) | 0.9694% | 3,165 |
| Pretax return on assets | 1.2033% | 2,971 |
| Return on Equity (ROE) | 9.8055% | 2,514 |
| Retained earnings to average equity (ytd only) | 6.0720% | 2,337 |
| Net charge-offs to loans | 0.0495% | 2,128 |
| Credit loss provision to net charge-offs | 232.2034% | 1,161 |
| Earnings coverage of net charge-offs (x) | 32.7118% | 1,549 |
| Efficiency ratio | 73.3536% | 1,656 |
| Assets per employee ($millions) | 3.4358% | 4,560 |
| Cash dividends to net income (ytd only)* | 38.0755% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 4,227 |
| Loan loss allowance to noncurrent loans | 1,193.0435% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 4,422 |
| Noncurrent loans to loans | 0.0712% | 4,313 |
| Net loans and leases to total assets | 78.9513% | 998 |
| Net loans and leases to deposits | 88.9538% | 1,822 |
| Net loans and leases to core deposits | 90.8997% | 2,476 |
| Total domestic deposits to total assets | 88.7554% | 705 |
| Equity capital to assets | 10.0545% | 3,965 |
| Core capital (leverage) ratio | 10.2840% | 3,320 |
| Tier 1 risk-based capital ratio | 14.2245% | 3,208 |
| Total risk-based capital ratio | 15.1660% | 3,282 |
| Memoranda: | ||
| Average total assets | $397,342,500 | 1,764 |
| Average earning assets | $368,603,250 | 1,768 |
| Average equity | $39,283,250 | 1,976 |
| Average total loans | $317,997,500 | 1,549 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6259% | 2,593 |
| Cost of funding earning assets | 0.2696% | 4,905 |
| Net interest margin | 4.3563% | 1,023 |
| Noninterest income to average assets | 0.7607% | 1,475 |
| Noninterest expense to average assets | 3.5809% | 868 |
| Loan and lease loss provision to assets | 0.0760% | 2,296 |
| Net operating income to assets | 0.9289% | 3,172 |
| Return on assets (ROA) | 0.9289% | 3,234 |
| Pretax return on assets | 1.1484% | 3,084 |
| Return on Equity (ROE) | 9.4509% | 2,660 |
| Retained earnings to average equity (ytd only) | 3.7793% | 3,363 |
| Net charge-offs to loans | 0.0133% | 2,661 |
| Credit loss provision to net charge-offs | 714.2857% | 462 |
| Earnings coverage of net charge-offs (x) | 115.0476% | 626 |
| Efficiency ratio | 74.5201% | 1,581 |
| Assets per employee ($millions) | 3.4456% | 4,558 |
| Cash dividends to net income (ytd only)* | 60.0109% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 4,264 |
| Loan loss allowance to noncurrent loans | 1,053.1008% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 4,434 |
| Noncurrent loans to loans | 0.0808% | 4,317 |
| Net loans and leases to total assets | 79.2187% | 1,010 |
| Net loans and leases to deposits | 89.0532% | 1,854 |
| Net loans and leases to core deposits | 90.7199% | 2,538 |
| Total domestic deposits to total assets | 88.9566% | 678 |
| Equity capital to assets | 9.8870% | 4,068 |
| Core capital (leverage) ratio | 10.1407% | 3,457 |
| Tier 1 risk-based capital ratio | 13.6014% | 3,530 |
| Total risk-based capital ratio | 14.5164% | 3,609 |
| Memoranda: | ||
| Average total assets | $394,649,670 | 1,780 |
| Average earning assets | $366,412,670 | 1,775 |
| Average equity | $38,790,000 | 1,992 |
| Average total loans | $316,387,000 | 1,558 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 2,547 |
| Cost of funding earning assets | 0.2902% | 4,873 |
| Net interest margin | 4.3036% | 1,083 |
| Noninterest income to average assets | 0.7344% | 1,482 |
| Noninterest expense to average assets | 3.5386% | 914 |
| Loan and lease loss provision to assets | 0.0765% | 2,146 |
| Net operating income to assets | 0.9221% | 3,154 |
| Return on assets (ROA) | 0.9221% | 3,190 |
| Pretax return on assets | 1.1282% | 3,052 |
| Return on Equity (ROE) | 9.4102% | 2,626 |
| Retained earnings to average equity (ytd only) | 9.4102% | 1,188 |
| Net charge-offs to loans | 0.0178% | 2,117 |
| Credit loss provision to net charge-offs | 535.7143% | 587 |
| Earnings coverage of net charge-offs (x) | 84.3571% | 736 |
| Efficiency ratio | 74.6022% | 1,664 |
| Assets per employee ($millions) | 3.2433% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8364% | 4,399 |
| Loan loss allowance to noncurrent loans | 1,172.1239% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 4,535 |
| Noncurrent loans to loans | 0.0714% | 4,441 |
| Net loans and leases to total assets | 78.7284% | 1,029 |
| Net loans and leases to deposits | 91.0217% | 1,509 |
| Net loans and leases to core deposits | 92.5007% | 2,255 |
| Total domestic deposits to total assets | 86.4941% | 2,073 |
| Equity capital to assets | 9.8531% | 3,967 |
| Core capital (leverage) ratio | 10.2024% | 3,380 |
| Tier 1 risk-based capital ratio | 13.8153% | 3,442 |
| Total risk-based capital ratio | 14.7172% | 3,530 |
| Memoranda: | ||
| Average total assets | $392,131,500 | 1,800 |
| Average earning assets | $365,275,000 | 1,794 |
| Average equity | $38,426,500 | 1,996 |
| Average total loans | $314,909,000 | 1,575 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 2,198 |
| Cost of funding earning assets | 0.1909% | 5,038 |
| Net interest margin | 4.3875% | 968 |
| Noninterest income to average assets | 0.7966% | 1,456 |
| Noninterest expense to average assets | 3.6553% | 817 |
| Loan and lease loss provision to assets | 0.0913% | 2,324 |
| Net operating income to assets | 0.8945% | 3,455 |
| Return on assets (ROA) | 0.8923% | 3,456 |
| Pretax return on assets | 1.1401% | 3,134 |
| Return on Equity (ROE) | 9.3418% | 2,817 |
| Retained earnings to average equity (ytd only) | 3.5665% | 3,627 |
| Net charge-offs to loans | 0.0990% | 1,773 |
| Credit loss provision to net charge-offs | 114.8867% | 2,258 |
| Earnings coverage of net charge-offs (x) | 15.5243% | 2,319 |
| Efficiency ratio | 74.7579% | 1,528 |
| Assets per employee ($millions) | 3.0583% | 4,960 |
| Cash dividends to net income (ytd only)* | 61.8224% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 4,443 |
| Loan loss allowance to noncurrent loans | 1,429.8343% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 4,614 |
| Noncurrent loans to loans | 0.0578% | 4,492 |
| Net loans and leases to total assets | 80.5822% | 854 |
| Net loans and leases to deposits | 89.6821% | 1,835 |
| Net loans and leases to core deposits | 91.0709% | 2,488 |
| Total domestic deposits to total assets | 89.8532% | 523 |
| Equity capital to assets | 9.7438% | 3,912 |
| Core capital (leverage) ratio | 10.0030% | 3,573 |
| Tier 1 risk-based capital ratio | 13.8767% | 3,347 |
| Total risk-based capital ratio | 14.7819% | 3,435 |
| Memoranda: | ||
| Average total assets | $388,665,200 | 1,768 |
| Average earning assets | $362,576,000 | 1,758 |
| Average equity | $37,123,400 | 1,979 |
| Average total loans | $311,981,200 | 1,545 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 2,235 |
| Cost of funding earning assets | 0.1903% | 5,051 |
| Net interest margin | 4.3281% | 1,052 |
| Noninterest income to average assets | 0.7983% | 1,479 |
| Noninterest expense to average assets | 3.6155% | 835 |
| Loan and lease loss provision to assets | 0.0958% | 2,064 |
| Net operating income to assets | 0.8687% | 3,668 |
| Return on assets (ROA) | 0.8657% | 3,680 |
| Pretax return on assets | 1.1149% | 3,335 |
| Return on Equity (ROE) | 9.1090% | 3,037 |
| Retained earnings to average equity (ytd only) | 5.0677% | 3,202 |
| Net charge-offs to loans | 0.1172% | 1,335 |
| Credit loss provision to net charge-offs | 102.1898% | 2,227 |
| Earnings coverage of net charge-offs (x) | 12.9491% | 2,410 |
| Efficiency ratio | 74.8547% | 1,473 |
| Assets per employee ($millions) | 3.1581% | 4,923 |
| Cash dividends to net income (ytd only)* | 44.3652% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8064% | 4,592 |
| Loan loss allowance to noncurrent loans | 1,052.8926% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 4,673 |
| Noncurrent loans to loans | 0.0766% | 4,536 |
| Net loans and leases to total assets | 78.7644% | 1,205 |
| Net loans and leases to deposits | 90.9422% | 1,768 |
| Net loans and leases to core deposits | 92.1305% | 2,472 |
| Total domestic deposits to total assets | 86.6092% | 1,913 |
| Equity capital to assets | 9.3633% | 4,216 |
| Core capital (leverage) ratio | 10.0670% | 3,563 |
| Tier 1 risk-based capital ratio | 13.6552% | 3,545 |
| Total risk-based capital ratio | 14.5304% | 3,657 |
| Memoranda: | ||
| Average total assets | $389,496,000 | 1,769 |
| Average earning assets | $362,832,000 | 1,764 |
| Average equity | $37,017,500 | 1,986 |
| Average total loans | $311,700,250 | 1,551 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 2,285 |
| Cost of funding earning assets | 0.1730% | 5,135 |
| Net interest margin | 4.2685% | 1,112 |
| Noninterest income to average assets | 0.8079% | 1,451 |
| Noninterest expense to average assets | 3.6453% | 825 |
| Loan and lease loss provision to assets | 0.0905% | 2,114 |
| Net operating income to assets | 0.8431% | 3,707 |
| Return on assets (ROA) | 0.8431% | 3,708 |
| Pretax return on assets | 1.0525% | 3,506 |
| Return on Equity (ROE) | 8.8258% | 3,101 |
| Retained earnings to average equity (ytd only) | 2.7506% | 4,152 |
| Net charge-offs to loans | 0.1405% | 1,077 |
| Credit loss provision to net charge-offs | 80.2752% | 2,254 |
| Earnings coverage of net charge-offs (x) | 10.1376% | 2,350 |
| Efficiency ratio | 76.1288% | 1,408 |
| Assets per employee ($millions) | 3.1723% | 4,957 |
| Cash dividends to net income (ytd only)* | 68.8344% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7987% | 4,698 |
| Loan loss allowance to noncurrent loans | 1,024.1803% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 4,706 |
| Noncurrent loans to loans | 0.0780% | 4,562 |
| Net loans and leases to total assets | 79.5485% | 1,090 |
| Net loans and leases to deposits | 90.1042% | 1,829 |
| Net loans and leases to core deposits | 90.9829% | 2,486 |
| Total domestic deposits to total assets | 88.2850% | 1,227 |
| Equity capital to assets | 9.4628% | 4,142 |
| Core capital (leverage) ratio | 10.1091% | 3,468 |
| Tier 1 risk-based capital ratio | 13.5255% | 3,599 |
| Total risk-based capital ratio | 14.3953% | 3,736 |
| Memoranda: | ||
| Average total assets | $386,689,330 | 1,784 |
| Average earning assets | $360,596,000 | 1,775 |
| Average equity | $36,937,330 | 1,990 |
| Average total loans | $310,279,000 | 1,561 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3793% | 2,269 |
| Cost of funding earning assets | 0.1826% | 5,109 |
| Net interest margin | 4.1967% | 1,184 |
| Noninterest income to average assets | 0.7970% | 1,463 |
| Noninterest expense to average assets | 3.6806% | 789 |
| Loan and lease loss provision to assets | 0.0779% | 2,214 |
| Net operating income to assets | 0.7658% | 3,848 |
| Return on assets (ROA) | 0.7658% | 3,847 |
| Pretax return on assets | 0.9550% | 3,687 |
| Return on Equity (ROE) | 7.9795% | 3,377 |
| Retained earnings to average equity (ytd only) | 6.8968% | 2,325 |
| Net charge-offs to loans | 0.0427% | 1,690 |
| Credit loss provision to net charge-offs | 227.2727% | 960 |
| Earnings coverage of net charge-offs (x) | 30.1212% | 1,238 |
| Efficiency ratio | 78.0864% | 1,349 |
| Assets per employee ($millions) | 3.0685% | 5,111 |
| Cash dividends to net income (ytd only)* | 13.5685% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 4,664 |
| Loan loss allowance to noncurrent loans | 700.2710% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 4,603 |
| Noncurrent loans to loans | 0.1205% | 4,421 |
| Net loans and leases to total assets | 79.7919% | 966 |
| Net loans and leases to deposits | 90.3721% | 1,647 |
| Net loans and leases to core deposits | 91.1866% | 2,359 |
| Total domestic deposits to total assets | 88.2926% | 1,464 |
| Equity capital to assets | 9.7404% | 3,846 |
| Core capital (leverage) ratio | 10.1431% | 3,368 |
| Tier 1 risk-based capital ratio | 13.8341% | 3,479 |
| Total risk-based capital ratio | 14.7510% | 3,563 |
| Memoranda: | ||
| Average total assets | $384,938,500 | 1,800 |
| Average earning assets | $359,236,500 | 1,788 |
| Average equity | $36,944,500 | 2,001 |
| Average total loans | $308,973,500 | 1,565 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 2,498 |
| Cost of funding earning assets | 0.1357% | 5,339 |
| Net interest margin | 4.1138% | 1,390 |
| Noninterest income to average assets | 0.7879% | 1,617 |
| Noninterest expense to average assets | 3.6580% | 839 |
| Loan and lease loss provision to assets | 0.1723% | 1,275 |
| Net operating income to assets | 0.6265% | 3,904 |
| Return on assets (ROA) | 0.6377% | 3,896 |
| Pretax return on assets | 0.7976% | 4,248 |
| Return on Equity (ROE) | 6.6156% | 3,474 |
| Retained earnings to average equity (ytd only) | 1.0873% | 4,597 |
| Net charge-offs to loans | 0.1133% | 1,923 |
| Credit loss provision to net charge-offs | 201.5244% | 1,352 |
| Earnings coverage of net charge-offs (x) | 11.1768% | 2,598 |
| Efficiency ratio | 79.2835% | 1,182 |
| Assets per employee ($millions) | 3.1402% | 5,093 |
| Cash dividends to net income (ytd only)* | 83.5650% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 4,780 |
| Loan loss allowance to noncurrent loans | 547.8448% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 4,537 |
| Noncurrent loans to loans | 0.1488% | 4,331 |
| Net loans and leases to total assets | 79.4122% | 1,052 |
| Net loans and leases to deposits | 92.3226% | 1,479 |
| Net loans and leases to core deposits | 93.2514% | 2,260 |
| Total domestic deposits to total assets | 86.0160% | 2,427 |
| Equity capital to assets | 9.4578% | 4,264 |
| Core capital (leverage) ratio | 9.9702% | 3,492 |
| Tier 1 risk-based capital ratio | 13.1795% | 3,803 |
| Total risk-based capital ratio | 14.0532% | 3,930 |
| Memoranda: | ||
| Average total assets | $383,546,800 | 1,778 |
| Average earning assets | $356,702,200 | 1,774 |
| Average equity | $36,973,000 | 1,983 |
| Average total loans | $289,558,000 | 1,612 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 2,614 |
| Cost of funding earning assets | 0.1310% | 5,421 |
| Net interest margin | 4.0698% | 1,482 |
| Noninterest income to average assets | 0.7921% | 1,621 |
| Noninterest expense to average assets | 3.5900% | 884 |
| Loan and lease loss provision to assets | 0.1015% | 2,083 |
| Net operating income to assets | 0.6045% | 4,375 |
| Return on assets (ROA) | 0.6187% | 4,362 |
| Pretax return on assets | 0.9052% | 4,023 |
| Return on Equity (ROE) | 6.3874% | 3,954 |
| Retained earnings to average equity (ytd only) | 2.7055% | 4,277 |
| Net charge-offs to loans | 0.1108% | 1,682 |
| Credit loss provision to net charge-offs | 123.3051% | 1,972 |
| Earnings coverage of net charge-offs (x) | 11.9703% | 2,462 |
| Efficiency ratio | 78.4565% | 1,269 |
| Assets per employee ($millions) | 3.2055% | 5,055 |
| Cash dividends to net income (ytd only)* | 57.6423% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 4,985 |
| Loan loss allowance to noncurrent loans | 573.1646% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 4,720 |
| Noncurrent loans to loans | 0.1338% | 4,523 |
| Net loans and leases to total assets | 76.7745% | 1,455 |
| Net loans and leases to deposits | 85.9446% | 2,302 |
| Net loans and leases to core deposits | 86.7943% | 2,892 |
| Total domestic deposits to total assets | 89.3302% | 734 |
| Equity capital to assets | 9.8238% | 4,116 |
| Core capital (leverage) ratio | 10.0408% | 3,523 |
| Tier 1 risk-based capital ratio | 13.9171% | 3,485 |
| Total risk-based capital ratio | 14.7366% | 3,624 |
| Memoranda: | ||
| Average total assets | $382,088,250 | 1,798 |
| Average earning assets | $355,226,500 | 1,794 |
| Average equity | $37,009,500 | 1,988 |
| Average total loans | $284,008,000 | 1,645 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 2,773 |
| Cost of funding earning assets | 0.1197% | 5,507 |
| Net interest margin | 3.9968% | 1,616 |
| Noninterest income to average assets | 0.7852% | 1,624 |
| Noninterest expense to average assets | 3.5977% | 877 |
| Loan and lease loss provision to assets | 0.0942% | 2,104 |
| Net operating income to assets | 0.5575% | 4,488 |
| Return on assets (ROA) | 0.5582% | 4,529 |
| Pretax return on assets | 0.8140% | 4,221 |
| Return on Equity (ROE) | 5.7903% | 4,136 |
| Retained earnings to average equity (ytd only) | 0.2442% | 5,022 |
| Net charge-offs to loans | 0.1441% | 1,291 |
| Credit loss provision to net charge-offs | 89.1089% | 2,154 |
| Earnings coverage of net charge-offs (x) | 8.5842% | 2,495 |
| Efficiency ratio | 79.8630% | 1,223 |
| Assets per employee ($millions) | 3.2432% | 5,042 |
| Cash dividends to net income (ytd only)* | 95.7826% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7523% | 5,075 |
| Loan loss allowance to noncurrent loans | 746.0751% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 4,898 |
| Noncurrent loans to loans | 0.1008% | 4,727 |
| Net loans and leases to total assets | 74.0965% | 1,846 |
| Net loans and leases to deposits | 82.5992% | 2,640 |
| Net loans and leases to core deposits | 83.3963% | 3,134 |
| Total domestic deposits to total assets | 89.7061% | 641 |
| Equity capital to assets | 9.4706% | 4,430 |
| Core capital (leverage) ratio | 9.8777% | 3,678 |
| Tier 1 risk-based capital ratio | 13.7997% | 3,539 |
| Total risk-based capital ratio | 14.5990% | 3,697 |
| Memoranda: | ||
| Average total assets | $382,300,330 | 1,799 |
| Average earning assets | $355,781,000 | 1,783 |
| Average equity | $36,855,000 | 1,986 |
| Average total loans | $280,303,330 | 1,662 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 2,769 |
| Cost of funding earning assets | 0.1157% | 5,585 |
| Net interest margin | 3.9547% | 1,592 |
| Noninterest income to average assets | 0.7602% | 1,707 |
| Noninterest expense to average assets | 3.6457% | 833 |
| Loan and lease loss provision to assets | 0.0792% | 2,226 |
| Net operating income to assets | 0.4937% | 4,626 |
| Return on assets (ROA) | 0.4952% | 4,638 |
| Pretax return on assets | 0.7190% | 4,389 |
| Return on Equity (ROE) | 5.0904% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.0904% | 2,836 |
| Net charge-offs to loans | 0.1614% | 1,005 |
| Credit loss provision to net charge-offs | 67.5676% | 1,856 |
| Earnings coverage of net charge-offs (x) | 6.7928% | 2,192 |
| Efficiency ratio | 82.0775% | 1,152 |
| Assets per employee ($millions) | 3.1853% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 5,113 |
| Loan loss allowance to noncurrent loans | 455.5556% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 4,760 |
| Noncurrent loans to loans | 0.1711% | 4,506 |
| Net loans and leases to total assets | 72.9673% | 1,919 |
| Net loans and leases to deposits | 82.4461% | 2,453 |
| Net loans and leases to core deposits | 83.2797% | 2,970 |
| Total domestic deposits to total assets | 88.5030% | 1,422 |
| Equity capital to assets | 9.7806% | 3,996 |
| Core capital (leverage) ratio | 10.1456% | 3,315 |
| Tier 1 risk-based capital ratio | 14.7109% | 3,108 |
| Total risk-based capital ratio | 15.5486% | 3,238 |
| Memoranda: | ||
| Average total assets | $378,859,000 | 1,820 |
| Average earning assets | $352,696,500 | 1,813 |
| Average equity | $36,853,500 | 1,991 |
| Average total loans | $275,176,500 | 1,699 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9595% | 3,345 |
| Cost of funding earning assets | 0.1276% | 5,568 |
| Net interest margin | 3.8319% | 2,203 |
| Noninterest income to average assets | 0.9031% | 1,404 |
| Noninterest expense to average assets | 3.4600% | 1,233 |
| Loan and lease loss provision to assets | 0.0863% | 2,640 |
| Net operating income to assets | 0.6448% | 4,019 |
| Return on assets (ROA) | 0.6448% | 4,131 |
| Pretax return on assets | 0.9227% | 3,762 |
| Return on Equity (ROE) | 6.4718% | 3,750 |
| Retained earnings to average equity (ytd only) | 0.9737% | 4,936 |
| Net charge-offs to loans | 0.0743% | 2,637 |
| Credit loss provision to net charge-offs | 163.4518% | 1,693 |
| Earnings coverage of net charge-offs (x) | 19.1117% | 1,927 |
| Efficiency ratio | 77.4226% | 1,785 |
| Assets per employee ($millions) | 3.1556% | 5,209 |
| Cash dividends to net income (ytd only)* | 84.9543% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8133% | 5,073 |
| Loan loss allowance to noncurrent loans | 459.2516% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 4,804 |
| Noncurrent loans to loans | 0.1771% | 4,526 |
| Net loans and leases to total assets | 71.1411% | 2,313 |
| Net loans and leases to deposits | 79.4237% | 2,952 |
| Net loans and leases to core deposits | 80.1403% | 3,383 |
| Total domestic deposits to total assets | 89.5717% | 832 |
| Equity capital to assets | 9.6744% | 4,096 |
| Core capital (leverage) ratio | 9.8946% | 3,633 |
| Tier 1 risk-based capital ratio | 15.0296% | 2,952 |
| Total risk-based capital ratio | 15.9104% | 3,063 |
| Memoranda: | ||
| Average total assets | $373,149,000 | 1,796 |
| Average earning assets | $347,242,600 | 1,792 |
| Average equity | $37,176,400 | 1,968 |
| Average total loans | $265,025,200 | 1,705 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9595% | 3,378 |
| Cost of funding earning assets | 0.1287% | 5,625 |
| Net interest margin | 3.8307% | 2,226 |
| Noninterest income to average assets | 0.9450% | 1,265 |
| Noninterest expense to average assets | 3.4146% | 1,316 |
| Loan and lease loss provision to assets | 0.0886% | 2,460 |
| Net operating income to assets | 0.6724% | 3,996 |
| Return on assets (ROA) | 0.6724% | 4,115 |
| Pretax return on assets | 1.0060% | 3,609 |
| Return on Equity (ROE) | 6.7001% | 3,722 |
| Retained earnings to average equity (ytd only) | 3.0481% | 4,084 |
| Net charge-offs to loans | 0.0461% | 2,727 |
| Credit loss provision to net charge-offs | 271.4286% | 1,130 |
| Earnings coverage of net charge-offs (x) | 33.5385% | 1,388 |
| Efficiency ratio | 75.7258% | 2,016 |
| Assets per employee ($millions) | 3.1024% | 5,288 |
| Cash dividends to net income (ytd only)* | 54.5065% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8281% | 5,107 |
| Loan loss allowance to noncurrent loans | 555.8313% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 4,999 |
| Noncurrent loans to loans | 0.1490% | 4,749 |
| Net loans and leases to total assets | 71.4597% | 2,269 |
| Net loans and leases to deposits | 80.0598% | 2,955 |
| Net loans and leases to core deposits | 80.8407% | 3,367 |
| Total domestic deposits to total assets | 89.2580% | 774 |
| Equity capital to assets | 10.0854% | 4,052 |
| Core capital (leverage) ratio | 10.1597% | 3,372 |
| Tier 1 risk-based capital ratio | 15.2169% | 2,945 |
| Total risk-based capital ratio | 16.1096% | 3,051 |
| Memoranda: | ||
| Average total assets | $371,768,750 | 1,803 |
| Average earning assets | $345,894,500 | 1,798 |
| Average equity | $37,312,000 | 1,976 |
| Average total loans | $263,381,750 | 1,718 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8778% | 3,664 |
| Cost of funding earning assets | 0.1238% | 5,733 |
| Net interest margin | 3.7539% | 2,504 |
| Noninterest income to average assets | 0.9440% | 1,255 |
| Noninterest expense to average assets | 3.3112% | 1,571 |
| Loan and lease loss provision to assets | 0.0885% | 2,372 |
| Net operating income to assets | 0.6984% | 3,797 |
| Return on assets (ROA) | 0.6984% | 3,954 |
| Pretax return on assets | 1.0454% | 3,412 |
| Return on Equity (ROE) | 6.9702% | 3,564 |
| Retained earnings to average equity (ytd only) | 1.4651% | 4,793 |
| Net charge-offs to loans | 0.0437% | 2,594 |
| Credit loss provision to net charge-offs | 287.7193% | 995 |
| Earnings coverage of net charge-offs (x) | 36.8596% | 1,218 |
| Efficiency ratio | 74.4900% | 2,295 |
| Assets per employee ($millions) | 3.2789% | 5,102 |
| Cash dividends to net income (ytd only)* | 78.9799% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8092% | 5,258 |
| Loan loss allowance to noncurrent loans | 605.2486% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 5,127 |
| Noncurrent loans to loans | 0.1337% | 4,904 |
| Net loans and leases to total assets | 71.8483% | 2,195 |
| Net loans and leases to deposits | 80.6409% | 2,857 |
| Net loans and leases to core deposits | 81.5563% | 3,310 |
| Total domestic deposits to total assets | 89.0966% | 875 |
| Equity capital to assets | 9.9962% | 4,232 |
| Core capital (leverage) ratio | 10.1113% | 3,436 |
| Tier 1 risk-based capital ratio | 15.4501% | 2,879 |
| Total risk-based capital ratio | 16.3503% | 2,967 |
| Memoranda: | ||
| Average total assets | $370,563,330 | 1,810 |
| Average earning assets | $345,610,670 | 1,796 |
| Average equity | $37,129,670 | 1,989 |
| Average total loans | $261,012,670 | 1,725 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 3,816 |
| Cost of funding earning assets | 0.1230% | 5,796 |
| Net interest margin | 3.7147% | 2,609 |
| Noninterest income to average assets | 1.0961% | 903 |
| Noninterest expense to average assets | 3.3045% | 1,591 |
| Loan and lease loss provision to assets | 0.0813% | 2,329 |
| Net operating income to assets | 0.7914% | 3,289 |
| Return on assets (ROA) | 0.7914% | 3,393 |
| Pretax return on assets | 1.1817% | 2,776 |
| Return on Equity (ROE) | 7.8893% | 2,978 |
| Retained earnings to average equity (ytd only) | 7.8893% | 1,506 |
| Net charge-offs to loans | 0.0562% | 1,956 |
| Credit loss provision to net charge-offs | 208.3333% | 1,047 |
| Earnings coverage of net charge-offs (x) | 32.3611% | 1,143 |
| Efficiency ratio | 72.3475% | 2,751 |
| Assets per employee ($millions) | 3.5822% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 5,310 |
| Loan loss allowance to noncurrent loans | 556.9554% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 5,091 |
| Noncurrent loans to loans | 0.1473% | 4,884 |
| Net loans and leases to total assets | 68.8794% | 2,516 |
| Net loans and leases to deposits | 77.1025% | 3,096 |
| Net loans and leases to core deposits | 78.4942% | 3,448 |
| Total domestic deposits to total assets | 89.3349% | 928 |
| Equity capital to assets | 10.0775% | 3,978 |
| Core capital (leverage) ratio | 10.4322% | 3,035 |
| Tier 1 risk-based capital ratio | 16.4541% | 2,494 |
| Total risk-based capital ratio | 17.3714% | 2,577 |
| Memoranda: | ||
| Average total assets | $368,948,500 | 1,816 |
| Average earning assets | $344,788,500 | 1,804 |
| Average equity | $37,012,000 | 1,988 |
| Average total loans | $256,141,500 | 1,758 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6964% | 4,378 |
| Cost of funding earning assets | 0.1507% | 5,678 |
| Net interest margin | 3.5457% | 3,348 |
| Noninterest income to average assets | 0.9195% | 1,380 |
| Noninterest expense to average assets | 3.2921% | 1,736 |
| Loan and lease loss provision to assets | 0.0814% | 2,663 |
| Net operating income to assets | 0.5636% | 4,448 |
| Return on assets (ROA) | 0.5632% | 4,541 |
| Pretax return on assets | 0.8411% | 4,059 |
| Return on Equity (ROE) | 5.4538% | 4,308 |
| Retained earnings to average equity (ytd only) | 0.1767% | 5,437 |
| Net charge-offs to loans | 0.0429% | 3,363 |
| Credit loss provision to net charge-offs | 284.3137% | 1,029 |
| Earnings coverage of net charge-offs (x) | 32.2353% | 1,380 |
| Efficiency ratio | 78.1004% | 1,951 |
| Assets per employee ($millions) | 3.5470% | 4,734 |
| Cash dividends to net income (ytd only)* | 96.7597% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 5,349 |
| Loan loss allowance to noncurrent loans | 296.4438% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 4,826 |
| Noncurrent loans to loans | 0.2773% | 4,465 |
| Net loans and leases to total assets | 68.8295% | 2,567 |
| Net loans and leases to deposits | 77.0850% | 3,150 |
| Net loans and leases to core deposits | 79.1907% | 3,423 |
| Total domestic deposits to total assets | 89.2904% | 973 |
| Equity capital to assets | 9.9851% | 3,974 |
| Core capital (leverage) ratio | 10.1867% | 3,276 |
| Tier 1 risk-based capital ratio | 16.5841% | 2,436 |
| Total risk-based capital ratio | 17.5099% | 2,539 |
| Memoranda: | ||
| Average total assets | $356,186,800 | 1,839 |
| Average earning assets | $331,077,000 | 1,830 |
| Average equity | $36,781,400 | 1,944 |
| Average total loans | $237,947,000 | 1,816 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 4,642 |
| Cost of funding earning assets | 0.1534% | 5,754 |
| Net interest margin | 3.4772% | 3,636 |
| Noninterest income to average assets | 0.8786% | 1,516 |
| Noninterest expense to average assets | 3.2355% | 1,866 |
| Loan and lease loss provision to assets | 0.0697% | 2,779 |
| Net operating income to assets | 0.5414% | 4,625 |
| Return on assets (ROA) | 0.5414% | 4,720 |
| Pretax return on assets | 0.8025% | 4,333 |
| Return on Equity (ROE) | 5.1984% | 4,531 |
| Retained earnings to average equity (ytd only) | 1.8703% | 4,946 |
| Net charge-offs to loans | 0.0359% | 3,192 |
| Credit loss provision to net charge-offs | 293.6508% | 985 |
| Earnings coverage of net charge-offs (x) | 36.7451% | 1,322 |
| Efficiency ratio | 78.7673% | 1,846 |
| Assets per employee ($millions) | 3.4681% | 4,855 |
| Cash dividends to net income (ytd only)* | 64.0225% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8279% | 5,447 |
| Loan loss allowance to noncurrent loans | 492.1951% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 5,296 |
| Noncurrent loans to loans | 0.1682% | 4,980 |
| Net loans and leases to total assets | 67.0221% | 2,848 |
| Net loans and leases to deposits | 75.2176% | 3,403 |
| Net loans and leases to core deposits | 77.3171% | 3,667 |
| Total domestic deposits to total assets | 89.1043% | 973 |
| Equity capital to assets | 10.3340% | 3,775 |
| Core capital (leverage) ratio | 10.4810% | 3,061 |
| Tier 1 risk-based capital ratio | 17.3886% | 2,218 |
| Total risk-based capital ratio | 18.3172% | 2,300 |
| Memoranda: | ||
| Average total assets | $353,897,000 | 1,863 |
| Average earning assets | $328,642,250 | 1,857 |
| Average equity | $36,856,750 | 1,952 |
| Average total loans | $234,046,250 | 1,851 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5854% | 4,760 |
| Cost of funding earning assets | 0.1487% | 5,856 |
| Net interest margin | 3.4367% | 3,765 |
| Noninterest income to average assets | 0.8850% | 1,485 |
| Noninterest expense to average assets | 3.2136% | 1,943 |
| Loan and lease loss provision to assets | 0.0711% | 2,692 |
| Net operating income to assets | 0.5381% | 4,621 |
| Return on assets (ROA) | 0.5381% | 4,730 |
| Pretax return on assets | 0.7957% | 4,330 |
| Return on Equity (ROE) | 5.1528% | 4,548 |
| Retained earnings to average equity (ytd only) | 0.1416% | 5,459 |
| Net charge-offs to loans | 0.0459% | 2,776 |
| Credit loss provision to net charge-offs | 235.8491% | 1,092 |
| Earnings coverage of net charge-offs (x) | 28.7547% | 1,398 |
| Efficiency ratio | 78.7566% | 1,953 |
| Assets per employee ($millions) | 3.4845% | 4,827 |
| Cash dividends to net income (ytd only)* | 97.2516% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8411% | 5,492 |
| Loan loss allowance to noncurrent loans | 1,046.8085% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 5,580 |
| Noncurrent loans to loans | 0.0804% | 5,414 |
| Net loans and leases to total assets | 65.2760% | 3,084 |
| Net loans and leases to deposits | 73.4129% | 3,564 |
| Net loans and leases to core deposits | 75.2981% | 3,823 |
| Total domestic deposits to total assets | 88.9162% | 1,179 |
| Equity capital to assets | 10.2724% | 3,719 |
| Core capital (leverage) ratio | 10.4673% | 3,006 |
| Tier 1 risk-based capital ratio | 17.8792% | 2,101 |
| Total risk-based capital ratio | 18.8227% | 2,148 |
| Memoranda: | ||
| Average total assets | $351,634,670 | 1,880 |
| Average earning assets | $326,940,670 | 1,880 |
| Average equity | $36,718,000 | 1,960 |
| Average total loans | $230,809,670 | 1,878 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6054% | 4,676 |
| Cost of funding earning assets | 0.1472% | 5,949 |
| Net interest margin | 3.4582% | 3,593 |
| Noninterest income to average assets | 0.8509% | 1,559 |
| Noninterest expense to average assets | 3.1532% | 2,116 |
| Loan and lease loss provision to assets | 0.0743% | 2,456 |
| Net operating income to assets | 0.5810% | 4,354 |
| Return on assets (ROA) | 0.5810% | 4,460 |
| Pretax return on assets | 0.8475% | 4,069 |
| Return on Equity (ROE) | 5.5184% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.5184% | 2,764 |
| Net charge-offs to loans | 0.1134% | 1,610 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 12.4000% | 1,801 |
| Efficiency ratio | 77.3786% | 2,284 |
| Assets per employee ($millions) | 3.6685% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 5,617 |
| Loan loss allowance to noncurrent loans | 752.3810% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 5,574 |
| Noncurrent loans to loans | 0.1105% | 5,367 |
| Net loans and leases to total assets | 64.2341% | 3,061 |
| Net loans and leases to deposits | 72.3149% | 3,509 |
| Net loans and leases to core deposits | 74.2166% | 3,760 |
| Total domestic deposits to total assets | 88.8256% | 1,378 |
| Equity capital to assets | 10.5921% | 3,437 |
| Core capital (leverage) ratio | 10.8181% | 2,601 |
| Tier 1 risk-based capital ratio | 18.7550% | 1,925 |
| Total risk-based capital ratio | 19.6963% | 1,966 |
| Memoranda: | ||
| Average total assets | $349,742,000 | 1,899 |
| Average earning assets | $326,062,000 | 1,892 |
| Average equity | $36,822,000 | 1,972 |
| Average total loans | $229,228,500 | 1,878 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4739% | 5,383 |
| Cost of funding earning assets | 0.1806% | 5,906 |
| Net interest margin | 3.2933% | 4,594 |
| Noninterest income to average assets | 0.8832% | 1,556 |
| Noninterest expense to average assets | 3.2328% | 2,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4959% | 4,828 |
| Return on assets (ROA) | 0.5036% | 4,884 |
| Pretax return on assets | 0.7068% | 4,598 |
| Return on Equity (ROE) | 4.8510% | 4,739 |
| Retained earnings to average equity (ytd only) | 0.0498% | 5,744 |
| Net charge-offs to loans | 0.0322% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 34.6429% | 1,207 |
| Efficiency ratio | 82.2876% | 1,631 |
| Assets per employee ($millions) | 3.5439% | 4,834 |
| Cash dividends to net income (ytd only)* | 98.9744% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 5,711 |
| Loan loss allowance to noncurrent loans | 414.8796% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 5,385 |
| Noncurrent loans to loans | 0.1984% | 5,109 |
| Net loans and leases to total assets | 65.7768% | 2,929 |
| Net loans and leases to deposits | 74.0539% | 3,430 |
| Net loans and leases to core deposits | 75.4042% | 3,775 |
| Total domestic deposits to total assets | 88.8228% | 1,344 |
| Equity capital to assets | 10.4637% | 3,532 |
| Core capital (leverage) ratio | 10.5303% | 2,912 |
| Tier 1 risk-based capital ratio | 18.2042% | 2,081 |
| Total risk-based capital ratio | 19.1303% | 2,142 |
| Memoranda: | ||
| Average total assets | $348,489,000 | 1,867 |
| Average earning assets | $322,264,400 | 1,857 |
| Average equity | $36,178,400 | 1,942 |
| Average total loans | $217,126,600 | 1,919 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4140% | 5,569 |
| Cost of funding earning assets | 0.1833% | 5,970 |
| Net interest margin | 3.2306% | 4,854 |
| Noninterest income to average assets | 0.8823% | 1,582 |
| Noninterest expense to average assets | 3.1476% | 2,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4849% | 4,926 |
| Return on assets (ROA) | 0.4947% | 4,960 |
| Pretax return on assets | 0.7332% | 4,580 |
| Return on Equity (ROE) | 4.7742% | 4,827 |
| Retained earnings to average equity (ytd only) | 1.7599% | 5,173 |
| Net charge-offs to loans | 0.0474% | 3,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 24.7370% | 1,529 |
| Efficiency ratio | 81.4119% | 1,685 |
| Assets per employee ($millions) | 3.4893% | 4,881 |
| Cash dividends to net income (ytd only)* | 63.1378% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 5,716 |
| Loan loss allowance to noncurrent loans | 409.9783% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 5,542 |
| Noncurrent loans to loans | 0.2098% | 5,275 |
| Net loans and leases to total assets | 62.4397% | 3,420 |
| Net loans and leases to deposits | 70.1160% | 3,907 |
| Net loans and leases to core deposits | 71.4351% | 4,212 |
| Total domestic deposits to total assets | 89.0520% | 1,209 |
| Equity capital to assets | 10.4952% | 3,566 |
| Core capital (leverage) ratio | 10.6248% | 2,896 |
| Tier 1 risk-based capital ratio | 19.1225% | 1,874 |
| Total risk-based capital ratio | 20.0805% | 1,917 |
| Memoranda: | ||
| Average total assets | $348,785,000 | 1,874 |
| Average earning assets | $322,158,750 | 1,872 |
| Average equity | $36,137,750 | 1,951 |
| Average total loans | $213,822,750 | 1,957 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3461% | 5,720 |
| Cost of funding earning assets | 0.1787% | 6,079 |
| Net interest margin | 3.1675% | 5,049 |
| Noninterest income to average assets | 0.8711% | 1,588 |
| Noninterest expense to average assets | 3.1531% | 2,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4550% | 4,991 |
| Return on assets (ROA) | 0.4703% | 5,004 |
| Pretax return on assets | 0.6681% | 4,741 |
| Return on Equity (ROE) | 4.5585% | 4,887 |
| Retained earnings to average equity (ytd only) | 0.0167% | 5,673 |
| Net charge-offs to loans | 0.0198% | 3,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 53.6667% | 875 |
| Efficiency ratio | 82.9887% | 1,632 |
| Assets per employee ($millions) | 3.6041% | 4,651 |
| Cash dividends to net income (ytd only)* | 99.6341% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 5,700 |
| Loan loss allowance to noncurrent loans | 402.6915% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 5,742 |
| Noncurrent loans to loans | 0.2255% | 5,326 |
| Net loans and leases to total assets | 60.0909% | 3,701 |
| Net loans and leases to deposits | 67.6086% | 4,094 |
| Net loans and leases to core deposits | 68.8660% | 4,382 |
| Total domestic deposits to total assets | 88.8805% | 1,427 |
| Equity capital to assets | 10.2602% | 3,749 |
| Core capital (leverage) ratio | 10.5698% | 2,864 |
| Tier 1 risk-based capital ratio | 19.4427% | 1,813 |
| Total risk-based capital ratio | 20.4578% | 1,836 |
| Memoranda: | ||
| Average total assets | $348,736,000 | 1,874 |
| Average earning assets | $322,403,000 | 1,867 |
| Average equity | $35,976,670 | 1,952 |
| Average total loans | $211,843,000 | 1,967 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3155% | 5,810 |
| Cost of funding earning assets | 0.1748% | 6,200 |
| Net interest margin | 3.1407% | 5,118 |
| Noninterest income to average assets | 0.8658% | 1,500 |
| Noninterest expense to average assets | 3.1434% | 2,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4260% | 5,021 |
| Return on assets (ROA) | 0.4260% | 5,086 |
| Pretax return on assets | 0.6268% | 4,733 |
| Return on Equity (ROE) | 4.1177% | 4,980 |
| Retained earnings to average equity (ytd only) | 4.1177% | 3,657 |
| Net charge-offs to loans | 0.0076% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 135.7500% | 366 |
| Efficiency ratio | 83.3742% | 1,748 |
| Assets per employee ($millions) | 3.5459% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 5,757 |
| Loan loss allowance to noncurrent loans | 432.1586% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 5,855 |
| Noncurrent loans to loans | 0.2164% | 5,446 |
| Net loans and leases to total assets | 59.8125% | 3,592 |
| Net loans and leases to deposits | 67.1191% | 3,960 |
| Net loans and leases to core deposits | 68.2560% | 4,278 |
| Total domestic deposits to total assets | 89.1141% | 1,582 |
| Equity capital to assets | 10.4664% | 3,278 |
| Core capital (leverage) ratio | 10.9225% | 2,463 |
| Tier 1 risk-based capital ratio | 19.8996% | 1,749 |
| Total risk-based capital ratio | 20.9375% | 1,766 |
| Memoranda: | ||
| Average total assets | $346,504,000 | 1,893 |
| Average earning assets | $320,438,500 | 1,883 |
| Average equity | $35,845,500 | 1,949 |
| Average total loans | $210,671,500 | 1,973 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3931% | 5,850 |
| Cost of funding earning assets | 0.2142% | 6,206 |
| Net interest margin | 3.1789% | 5,064 |
| Noninterest income to average assets | 0.8092% | 2,037 |
| Noninterest expense to average assets | 2.9411% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5524% | 4,494 |
| Return on assets (ROA) | 0.5595% | 4,580 |
| Pretax return on assets | 0.8240% | 4,058 |
| Return on Equity (ROE) | 5.4077% | 4,445 |
| Retained earnings to average equity (ytd only) | 0.0497% | 5,824 |
| Net charge-offs to loans | 0.0228% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 59.3333% | 692 |
| Efficiency ratio | 78.3340% | 2,416 |
| Assets per employee ($millions) | 3.4551% | 4,988 |
| Cash dividends to net income (ytd only)* | 99.0812% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 5,823 |
| Loan loss allowance to noncurrent loans | 407.0393% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 5,899 |
| Noncurrent loans to loans | 0.2283% | 5,503 |
| Net loans and leases to total assets | 60.6546% | 3,599 |
| Net loans and leases to deposits | 68.0263% | 4,054 |
| Net loans and leases to core deposits | 69.2443% | 4,372 |
| Total domestic deposits to total assets | 89.1634% | 1,510 |
| Equity capital to assets | 10.2227% | 3,479 |
| Core capital (leverage) ratio | 10.5458% | 2,853 |
| Tier 1 risk-based capital ratio | 19.5025% | 1,787 |
| Total risk-based capital ratio | 20.5318% | 1,804 |
| Memoranda: | ||
| Average total assets | $350,106,400 | 1,849 |
| Average earning assets | $324,389,000 | 1,827 |
| Average equity | $36,225,800 | 1,908 |
| Average total loans | $210,074,400 | 1,927 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3928% | 5,891 |
| Cost of funding earning assets | 0.2174% | 6,308 |
| Net interest margin | 3.1754% | 5,071 |
| Noninterest income to average assets | 0.8043% | 2,121 |
| Noninterest expense to average assets | 2.9190% | 3,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5524% | 4,578 |
| Return on assets (ROA) | 0.5618% | 4,673 |
| Pretax return on assets | 0.8381% | 4,150 |
| Return on Equity (ROE) | 5.4134% | 4,514 |
| Retained earnings to average equity (ytd only) | 1.6752% | 5,303 |
| Net charge-offs to loans | 0.0165% | 4,796 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 83.4898% | 569 |
| Efficiency ratio | 77.9840% | 2,421 |
| Assets per employee ($millions) | 3.6150% | 4,630 |
| Cash dividends to net income (ytd only)* | 69.0541% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 5,948 |
| Loan loss allowance to noncurrent loans | 419.4093% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 5,929 |
| Noncurrent loans to loans | 0.2241% | 5,674 |
| Net loans and leases to total assets | 59.7480% | 3,738 |
| Net loans and leases to deposits | 66.9722% | 4,187 |
| Net loans and leases to core deposits | 68.7817% | 4,459 |
| Total domestic deposits to total assets | 89.2131% | 1,450 |
| Equity capital to assets | 10.2650% | 3,556 |
| Core capital (leverage) ratio | 10.6745% | 2,814 |
| Tier 1 risk-based capital ratio | 19.6807% | 1,816 |
| Total risk-based capital ratio | 20.7188% | 1,841 |
| Memoranda: | ||
| Average total assets | $351,254,500 | 1,858 |
| Average earning assets | $325,075,250 | 1,837 |
| Average equity | $36,452,000 | 1,914 |
| Average total loans | $209,709,000 | 1,933 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3840% | 5,940 |
| Cost of funding earning assets | 0.2088% | 6,428 |
| Net interest margin | 3.1751% | 5,028 |
| Noninterest income to average assets | 0.7916% | 2,227 |
| Noninterest expense to average assets | 2.8527% | 3,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5902% | 4,339 |
| Return on assets (ROA) | 0.6043% | 4,437 |
| Pretax return on assets | 0.9014% | 3,907 |
| Return on Equity (ROE) | 5.8026% | 4,287 |
| Retained earnings to average equity (ytd only) | 0.2186% | 5,790 |
| Net charge-offs to loans | 0.0038% | 4,843 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 386.7500% | 128 |
| Efficiency ratio | 76.4177% | 2,723 |
| Assets per employee ($millions) | 3.7935% | 4,225 |
| Cash dividends to net income (ytd only)* | 96.2335% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 5,962 |
| Loan loss allowance to noncurrent loans | 352.6316% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 6,014 |
| Noncurrent loans to loans | 0.2717% | 5,621 |
| Net loans and leases to total assets | 58.2633% | 3,939 |
| Net loans and leases to deposits | 65.2980% | 4,342 |
| Net loans and leases to core deposits | 66.5075% | 4,641 |
| Total domestic deposits to total assets | 89.2268% | 1,493 |
| Equity capital to assets | 9.9409% | 3,983 |
| Core capital (leverage) ratio | 10.6000% | 2,766 |
| Tier 1 risk-based capital ratio | 19.4568% | 1,867 |
| Total risk-based capital ratio | 20.5061% | 1,893 |
| Memoranda: | ||
| Average total assets | $351,453,330 | 1,855 |
| Average earning assets | $325,595,670 | 1,838 |
| Average equity | $36,604,330 | 1,909 |
| Average total loans | $209,112,330 | 1,941 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4069% | 5,924 |
| Cost of funding earning assets | 0.2162% | 6,498 |
| Net interest margin | 3.1907% | 4,959 |
| Noninterest income to average assets | 0.7808% | 2,208 |
| Noninterest expense to average assets | 2.8846% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5778% | 4,324 |
| Return on assets (ROA) | 0.5778% | 4,476 |
| Pretax return on assets | 0.8576% | 3,923 |
| Return on Equity (ROE) | 5.4219% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.4219% | 2,993 |
| Net charge-offs to loans | -0.0038% | 5,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0833% | 2,745 |
| Assets per employee ($millions) | 3.5341% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 6,073 |
| Loan loss allowance to noncurrent loans | 577.6504% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 6,112 |
| Noncurrent loans to loans | 0.1681% | 5,981 |
| Net loans and leases to total assets | 59.3736% | 3,542 |
| Net loans and leases to deposits | 67.1910% | 3,885 |
| Net loans and leases to core deposits | 68.4466% | 4,247 |
| Total domestic deposits to total assets | 88.3654% | 2,091 |
| Equity capital to assets | 10.8007% | 3,198 |
| Core capital (leverage) ratio | 10.9546% | 2,300 |
| Tier 1 risk-based capital ratio | 19.9994% | 1,771 |
| Total risk-based capital ratio | 21.0678% | 1,789 |
| Memoranda: | ||
| Average total assets | $348,886,000 | 1,897 |
| Average earning assets | $323,813,500 | 1,866 |
| Average equity | $37,182,500 | 1,907 |
| Average total loans | $208,783,500 | 1,954 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7708% | 5,899 |
| Cost of funding earning assets | 0.2986% | 6,458 |
| Net interest margin | 3.4721% | 4,614 |
| Noninterest income to average assets | 0.8213% | 2,174 |
| Noninterest expense to average assets | 3.1929% | 2,641 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5588% | 4,436 |
| Return on assets (ROA) | 0.5588% | 4,692 |
| Pretax return on assets | 0.8263% | 4,197 |
| Return on Equity (ROE) | 5.1576% | 4,608 |
| Retained earnings to average equity (ytd only) | -0.3388% | 5,912 |
| Net charge-offs to loans | 0.0232% | 5,576 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 59.0833% | 605 |
| Efficiency ratio | 79.4418% | 2,220 |
| Assets per employee ($millions) | 3.5861% | 4,814 |
| Cash dividends to net income (ytd only)* | 106.5693% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 6,096 |
| Loan loss allowance to noncurrent loans | 432.1888% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 6,234 |
| Noncurrent loans to loans | 0.2220% | 5,922 |
| Net loans and leases to total assets | 59.1586% | 3,767 |
| Net loans and leases to deposits | 66.6213% | 4,188 |
| Net loans and leases to core deposits | 67.8687% | 4,549 |
| Total domestic deposits to total assets | 88.7984% | 1,701 |
| Equity capital to assets | 10.5164% | 3,511 |
| Core capital (leverage) ratio | 10.5022% | 2,766 |
| Tier 1 risk-based capital ratio | 19.3404% | 1,858 |
| Total risk-based capital ratio | 20.3866% | 1,893 |
| Memoranda: | ||
| Average total assets | $343,226,200 | 1,888 |
| Average earning assets | $316,116,200 | 1,873 |
| Average equity | $37,187,800 | 1,864 |
| Average total loans | $206,978,400 | 1,948 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8128% | 5,995 |
| Cost of funding earning assets | 0.3077% | 6,579 |
| Net interest margin | 3.5051% | 4,623 |
| Noninterest income to average assets | 0.8230% | 2,146 |
| Noninterest expense to average assets | 3.2108% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5588% | 4,577 |
| Return on assets (ROA) | 0.5588% | 4,836 |
| Pretax return on assets | 0.8351% | 4,360 |
| Return on Equity (ROE) | 5.1191% | 4,770 |
| Retained earnings to average equity (ytd only) | 1.4606% | 5,599 |
| Net charge-offs to loans | 0.0149% | 5,484 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 92.9006% | 449 |
| Efficiency ratio | 79.3586% | 2,189 |
| Assets per employee ($millions) | 3.4304% | 5,140 |
| Cash dividends to net income (ytd only)* | 71.4684% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 6,078 |
| Loan loss allowance to noncurrent loans | 321.6088% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 6,249 |
| Noncurrent loans to loans | 0.3111% | 5,862 |
| Net loans and leases to total assets | 58.2221% | 4,098 |
| Net loans and leases to deposits | 66.0065% | 4,469 |
| Net loans and leases to core deposits | 67.2971% | 4,811 |
| Total domestic deposits to total assets | 88.2067% | 1,915 |
| Equity capital to assets | 10.8651% | 3,426 |
| Core capital (leverage) ratio | 11.0258% | 2,356 |
| Tier 1 risk-based capital ratio | 20.1236% | 1,723 |
| Total risk-based capital ratio | 21.2101% | 1,747 |
| Memoranda: | ||
| Average total assets | $341,174,500 | 1,911 |
| Average earning assets | $313,710,250 | 1,909 |
| Average equity | $37,245,250 | 1,886 |
| Average total loans | $206,243,750 | 1,974 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8379% | 6,054 |
| Cost of funding earning assets | 0.3064% | 6,713 |
| Net interest margin | 3.5315% | 4,549 |
| Noninterest income to average assets | 0.8155% | 2,115 |
| Noninterest expense to average assets | 3.2515% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5439% | 4,607 |
| Return on assets (ROA) | 0.5439% | 4,889 |
| Pretax return on assets | 0.8102% | 4,442 |
| Return on Equity (ROE) | 4.9741% | 4,816 |
| Retained earnings to average equity (ytd only) | -0.5335% | 6,130 |
| Net charge-offs to loans | 0.0048% | 5,437 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 156 |
| Efficiency ratio | 80.0522% | 2,164 |
| Assets per employee ($millions) | 3.3372% | 5,365 |
| Cash dividends to net income (ytd only)* | 110.7259% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 6,185 |
| Loan loss allowance to noncurrent loans | 311.6667% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 6,300 |
| Noncurrent loans to loans | 0.3186% | 5,917 |
| Net loans and leases to total assets | 60.2468% | 3,775 |
| Net loans and leases to deposits | 68.4329% | 4,132 |
| Net loans and leases to core deposits | 70.3147% | 4,500 |
| Total domestic deposits to total assets | 88.0377% | 2,115 |
| Equity capital to assets | 10.8539% | 3,290 |
| Core capital (leverage) ratio | 11.0797% | 2,229 |
| Tier 1 risk-based capital ratio | 19.4095% | 1,875 |
| Total risk-based capital ratio | 20.4810% | 1,883 |
| Memoranda: | ||
| Average total assets | $339,407,670 | 1,916 |
| Average earning assets | $311,996,000 | 1,919 |
| Average equity | $37,112,000 | 1,876 |
| Average total loans | $207,070,330 | 1,962 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 6,151 |
| Cost of funding earning assets | 0.3233% | 6,765 |
| Net interest margin | 3.5226% | 4,590 |
| Noninterest income to average assets | 0.8203% | 2,064 |
| Noninterest expense to average assets | 3.2539% | 2,428 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5417% | 4,641 |
| Return on assets (ROA) | 0.5417% | 4,852 |
| Pretax return on assets | 0.8073% | 4,384 |
| Return on Equity (ROE) | 4.9361% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.9361% | 3,594 |
| Net charge-offs to loans | 0.0193% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 68.4000% | 494 |
| Efficiency ratio | 80.1221% | 2,185 |
| Assets per employee ($millions) | 3.2543% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 6,232 |
| Loan loss allowance to noncurrent loans | 341.4309% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 6,439 |
| Noncurrent loans to loans | 0.2941% | 6,086 |
| Net loans and leases to total assets | 59.7793% | 3,717 |
| Net loans and leases to deposits | 67.9520% | 4,068 |
| Net loans and leases to core deposits | 69.5713% | 4,486 |
| Total domestic deposits to total assets | 87.9729% | 2,341 |
| Equity capital to assets | 11.0299% | 2,869 |
| Core capital (leverage) ratio | 11.3769% | 1,984 |
| Tier 1 risk-based capital ratio | 19.8846% | 1,735 |
| Total risk-based capital ratio | 20.9636% | 1,752 |
| Memoranda: | ||
| Average total assets | $338,914,000 | 1,932 |
| Average earning assets | $311,812,000 | 1,917 |
| Average equity | $37,195,000 | 1,874 |
| Average total loans | $207,038,500 | 1,965 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 6,098 |
| Cost of funding earning assets | 0.3935% | 6,903 |
| Net interest margin | 3.7928% | 3,858 |
| Noninterest income to average assets | 0.8460% | 1,863 |
| Noninterest expense to average assets | 3.3598% | 2,340 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6751% | 3,600 |
| Return on assets (ROA) | 0.6751% | 3,800 |
| Pretax return on assets | 0.9820% | 3,311 |
| Return on Equity (ROE) | 6.1177% | 3,806 |
| Retained earnings to average equity (ytd only) | 0.6428% | 5,544 |
| Net charge-offs to loans | 0.0236% | 6,109 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 66.4400% | 448 |
| Efficiency ratio | 77.3829% | 2,683 |
| Assets per employee ($millions) | 3.3602% | 5,345 |
| Cash dividends to net income (ytd only)* | 89.4921% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 6,293 |
| Loan loss allowance to noncurrent loans | 331.5113% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 6,491 |
| Noncurrent loans to loans | 0.2966% | 6,131 |
| Net loans and leases to total assets | 61.1824% | 3,745 |
| Net loans and leases to deposits | 69.5080% | 4,190 |
| Net loans and leases to core deposits | 71.2628% | 4,625 |
| Total domestic deposits to total assets | 88.0222% | 2,139 |
| Equity capital to assets | 10.9198% | 3,055 |
| Core capital (leverage) ratio | 10.8780% | 2,371 |
| Tier 1 risk-based capital ratio | 19.2405% | 1,835 |
| Total risk-based capital ratio | 20.3025% | 1,836 |
| Memoranda: | ||
| Average total assets | $338,297,000 | 1,910 |
| Average earning assets | $311,802,200 | 1,891 |
| Average equity | $37,334,200 | 1,802 |
| Average total loans | $211,544,800 | 1,942 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2430% | 6,103 |
| Cost of funding earning assets | 0.3999% | 7,017 |
| Net interest margin | 3.8431% | 3,652 |
| Noninterest income to average assets | 0.8236% | 1,950 |
| Noninterest expense to average assets | 3.3752% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6516% | 3,864 |
| Return on assets (ROA) | 0.6516% | 4,034 |
| Pretax return on assets | 0.9885% | 3,444 |
| Return on Equity (ROE) | 5.8889% | 4,075 |
| Retained earnings to average equity (ytd only) | 2.2458% | 5,006 |
| Net charge-offs to loans | 0.0252% | 5,790 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 62.6524% | 527 |
| Efficiency ratio | 77.3479% | 2,636 |
| Assets per employee ($millions) | 3.4894% | 5,033 |
| Cash dividends to net income (ytd only)* | 61.8643% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 6,365 |
| Loan loss allowance to noncurrent loans | 459.4235% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 6,723 |
| Noncurrent loans to loans | 0.2128% | 6,448 |
| Net loans and leases to total assets | 60.7470% | 3,994 |
| Net loans and leases to deposits | 68.9740% | 4,453 |
| Net loans and leases to core deposits | 69.8134% | 4,968 |
| Total domestic deposits to total assets | 88.0723% | 2,002 |
| Equity capital to assets | 10.8931% | 3,243 |
| Core capital (leverage) ratio | 11.0034% | 2,385 |
| Tier 1 risk-based capital ratio | 19.4469% | 1,829 |
| Total risk-based capital ratio | 20.5144% | 1,833 |
| Memoranda: | ||
| Average total assets | $338,025,000 | 1,923 |
| Average earning assets | $311,376,750 | 1,897 |
| Average equity | $37,402,750 | 1,803 |
| Average total loans | $212,004,500 | 1,958 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 6,054 |
| Cost of funding earning assets | 0.3898% | 7,149 |
| Net interest margin | 3.8994% | 3,309 |
| Noninterest income to average assets | 0.7945% | 2,044 |
| Noninterest expense to average assets | 3.4063% | 2,237 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6497% | 3,797 |
| Return on assets (ROA) | 0.6497% | 3,923 |
| Pretax return on assets | 0.9835% | 3,294 |
| Return on Equity (ROE) | 5.8403% | 4,045 |
| Retained earnings to average equity (ytd only) | 0.3643% | 5,696 |
| Net charge-offs to loans | 0.0292% | 5,424 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 53.2258% | 593 |
| Efficiency ratio | 77.5967% | 2,773 |
| Assets per employee ($millions) | 3.4305% | 5,121 |
| Cash dividends to net income (ytd only)* | 93.7615% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 6,454 |
| Loan loss allowance to noncurrent loans | 331.3694% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 6,637 |
| Noncurrent loans to loans | 0.2924% | 6,330 |
| Net loans and leases to total assets | 62.6218% | 3,761 |
| Net loans and leases to deposits | 71.3292% | 4,227 |
| Net loans and leases to core deposits | 72.2152% | 4,787 |
| Total domestic deposits to total assets | 87.7926% | 2,288 |
| Equity capital to assets | 10.9415% | 3,020 |
| Core capital (leverage) ratio | 10.9102% | 2,331 |
| Tier 1 risk-based capital ratio | 19.0407% | 1,831 |
| Total risk-based capital ratio | 20.1063% | 1,857 |
| Memoranda: | ||
| Average total assets | $335,550,330 | 1,943 |
| Average earning assets | $309,384,000 | 1,918 |
| Average equity | $37,327,000 | 1,795 |
| Average total loans | $212,032,000 | 1,981 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3109% | 5,989 |
| Cost of funding earning assets | 0.3867% | 7,246 |
| Net interest margin | 3.9242% | 3,028 |
| Noninterest income to average assets | 0.7796% | 2,114 |
| Noninterest expense to average assets | 3.5045% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5961% | 4,055 |
| Return on assets (ROA) | 0.5961% | 4,124 |
| Pretax return on assets | 0.9019% | 3,487 |
| Return on Equity (ROE) | 5.3140% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.3140% | 2,997 |
| Net charge-offs to loans | -0.0114% | 6,394 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5318% | 2,616 |
| Assets per employee ($millions) | 3.2961% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 6,387 |
| Loan loss allowance to noncurrent loans | 294.9861% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 6,631 |
| Noncurrent loans to loans | 0.3403% | 6,312 |
| Net loans and leases to total assets | 62.1286% | 3,826 |
| Net loans and leases to deposits | 70.6998% | 4,235 |
| Net loans and leases to core deposits | 71.9541% | 4,796 |
| Total domestic deposits to total assets | 87.8766% | 2,440 |
| Equity capital to assets | 11.1526% | 2,536 |
| Core capital (leverage) ratio | 11.2801% | 1,971 |
| Tier 1 risk-based capital ratio | 19.6020% | 1,674 |
| Total risk-based capital ratio | 20.7057% | 1,676 |
| Memoranda: | ||
| Average total assets | $333,514,000 | 1,969 |
| Average earning assets | $308,240,000 | 1,933 |
| Average equity | $37,410,500 | 1,780 |
| Average total loans | $210,668,500 | 2,006 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 5,763 |
| Cost of funding earning assets | 0.4854% | 7,314 |
| Net interest margin | 4.2278% | 2,066 |
| Noninterest income to average assets | 0.9116% | 1,809 |
| Noninterest expense to average assets | 3.8230% | 1,446 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6569% | 3,407 |
| Return on assets (ROA) | 0.7284% | 3,236 |
| Pretax return on assets | 1.0854% | 2,640 |
| Return on Equity (ROE) | 6.2880% | 3,456 |
| Retained earnings to average equity (ytd only) | 0.8900% | 5,104 |
| Net charge-offs to loans | 0.0554% | 6,235 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 27.3419% | 798 |
| Efficiency ratio | 79.6190% | 2,463 |
| Assets per employee ($millions) | 2.8520% | 6,434 |
| Cash dividends to net income (ytd only)* | 85.8463% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 6,370 |
| Loan loss allowance to noncurrent loans | 332.5984% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 6,744 |
| Noncurrent loans to loans | 0.3019% | 6,450 |
| Net loans and leases to total assets | 62.9423% | 4,082 |
| Net loans and leases to deposits | 71.5383% | 4,602 |
| Net loans and leases to core deposits | 72.5335% | 5,159 |
| Total domestic deposits to total assets | 87.9841% | 2,257 |
| Equity capital to assets | 11.2826% | 2,425 |
| Core capital (leverage) ratio | 11.0874% | 2,095 |
| Tier 1 risk-based capital ratio | 19.4689% | 1,600 |
| Total risk-based capital ratio | 20.5767% | 1,602 |
| Memoranda: | ||
| Average total assets | $326,887,000 | 1,991 |
| Average earning assets | $300,768,200 | 1,972 |
| Average equity | $37,865,600 | 1,737 |
| Average total loans | $211,283,200 | 2,055 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 5,741 |
| Cost of funding earning assets | 0.4966% | 7,450 |
| Net interest margin | 4.2821% | 1,906 |
| Noninterest income to average assets | 0.8972% | 1,808 |
| Noninterest expense to average assets | 3.8370% | 1,306 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6557% | 3,623 |
| Return on assets (ROA) | 0.7499% | 3,376 |
| Pretax return on assets | 1.1402% | 2,693 |
| Return on Equity (ROE) | 6.4313% | 3,607 |
| Retained earnings to average equity (ytd only) | 2.8455% | 4,431 |
| Net charge-offs to loans | 0.0611% | 5,897 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 25.1341% | 1,004 |
| Efficiency ratio | 79.3687% | 2,440 |
| Assets per employee ($millions) | 2.8003% | 6,585 |
| Cash dividends to net income (ytd only)* | 55.7555% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 6,297 |
| Loan loss allowance to noncurrent loans | 331.0559% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 6,881 |
| Noncurrent loans to loans | 0.3088% | 6,576 |
| Net loans and leases to total assets | 61.9369% | 4,545 |
| Net loans and leases to deposits | 70.8599% | 5,025 |
| Net loans and leases to core deposits | 72.0331% | 5,507 |
| Total domestic deposits to total assets | 87.4075% | 2,315 |
| Equity capital to assets | 11.4620% | 2,559 |
| Core capital (leverage) ratio | 11.3961% | 2,013 |
| Tier 1 risk-based capital ratio | 20.0997% | 1,526 |
| Total risk-based capital ratio | 21.2397% | 1,519 |
| Memoranda: | ||
| Average total assets | $325,902,000 | 2,022 |
| Average earning assets | $299,655,500 | 2,011 |
| Average equity | $38,000,500 | 1,751 |
| Average total loans | $211,518,500 | 2,083 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8060% | 5,779 |
| Cost of funding earning assets | 0.4896% | 7,557 |
| Net interest margin | 4.3164% | 1,713 |
| Noninterest income to average assets | 0.8687% | 1,807 |
| Noninterest expense to average assets | 3.9127% | 1,168 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6144% | 3,814 |
| Return on assets (ROA) | 0.7568% | 3,323 |
| Pretax return on assets | 1.1457% | 2,603 |
| Return on Equity (ROE) | 6.4531% | 3,572 |
| Retained earnings to average equity (ytd only) | 1.0650% | 5,338 |
| Net charge-offs to loans | 0.0687% | 5,455 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 20.6027% | 1,208 |
| Efficiency ratio | 80.7967% | 2,331 |
| Assets per employee ($millions) | 2.7094% | 6,771 |
| Cash dividends to net income (ytd only)* | 83.4967% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 6,367 |
| Loan loss allowance to noncurrent loans | 261.0169% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 6,767 |
| Noncurrent loans to loans | 0.3860% | 6,469 |
| Net loans and leases to total assets | 65.1588% | 4,008 |
| Net loans and leases to deposits | 74.9409% | 4,523 |
| Net loans and leases to core deposits | 76.2181% | 5,169 |
| Total domestic deposits to total assets | 86.9469% | 2,555 |
| Equity capital to assets | 11.5912% | 2,365 |
| Core capital (leverage) ratio | 11.3733% | 1,996 |
| Tier 1 risk-based capital ratio | 19.1452% | 1,684 |
| Total risk-based capital ratio | 20.2613% | 1,680 |
| Memoranda: | ||
| Average total assets | $323,456,330 | 2,052 |
| Average earning assets | $297,792,330 | 2,041 |
| Average equity | $37,935,330 | 1,753 |
| Average total loans | $212,514,670 | 2,100 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8279% | 5,772 |
| Cost of funding earning assets | 0.4890% | 7,685 |
| Net interest margin | 4.3389% | 1,567 |
| Noninterest income to average assets | 0.8493% | 1,818 |
| Noninterest expense to average assets | 4.0196% | 1,003 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5517% | 4,133 |
| Return on assets (ROA) | 0.5517% | 4,267 |
| Pretax return on assets | 0.8233% | 3,777 |
| Return on Equity (ROE) | 4.6768% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.6768% | 3,334 |
| Net charge-offs to loans | 0.1114% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 11.2542% | 1,664 |
| Efficiency ratio | 83.0005% | 2,142 |
| Assets per employee ($millions) | 2.5688% | 7,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 6,338 |
| Loan loss allowance to noncurrent loans | 507.2430% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 7,148 |
| Noncurrent loans to loans | 0.2024% | 6,937 |
| Net loans and leases to total assets | 65.1777% | 4,064 |
| Net loans and leases to deposits | 74.8343% | 4,615 |
| Net loans and leases to core deposits | 75.6728% | 5,302 |
| Total domestic deposits to total assets | 87.0961% | 2,580 |
| Equity capital to assets | 11.8718% | 2,121 |
| Core capital (leverage) ratio | 11.5599% | 1,876 |
| Tier 1 risk-based capital ratio | 19.4204% | 1,633 |
| Total risk-based capital ratio | 20.5530% | 1,624 |
| Memoranda: | ||
| Average total assets | $322,621,000 | 2,104 |
| Average earning assets | $296,939,500 | 2,096 |
| Average equity | $38,060,000 | 1,770 |
| Average total loans | $211,769,500 | 2,161 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9468% | 6,593 |
| Cost of funding earning assets | 0.6730% | 7,716 |
| Net interest margin | 4.2738% | 1,805 |
| Noninterest income to average assets | 1.1164% | 1,229 |
| Noninterest expense to average assets | 3.9416% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7429% | 2,759 |
| Return on assets (ROA) | 0.7429% | 2,845 |
| Pretax return on assets | 1.0483% | 2,422 |
| Return on Equity (ROE) | 6.3845% | 3,036 |
| Retained earnings to average equity (ytd only) | 1.0406% | 4,309 |
| Net charge-offs to loans | 0.0193% | 6,951 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 86.1500% | 317 |
| Efficiency ratio | 78.9916% | 3,043 |
| Assets per employee ($millions) | 2.6569% | 6,936 |
| Cash dividends to net income (ytd only)* | 83.7019% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 6,121 |
| Loan loss allowance to noncurrent loans | 546.3235% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 7,166 |
| Noncurrent loans to loans | 0.1924% | 6,942 |
| Net loans and leases to total assets | 64.7412% | 4,433 |
| Net loans and leases to deposits | 74.5127% | 4,950 |
| Net loans and leases to core deposits | 80.3107% | 6,060 |
| Total domestic deposits to total assets | 86.8862% | 2,567 |
| Equity capital to assets | 11.7231% | 2,174 |
| Core capital (leverage) ratio | 11.2333% | 2,081 |
| Tier 1 risk-based capital ratio | 19.0572% | 1,642 |
| Total risk-based capital ratio | 20.2121% | 1,627 |
| Memoranda: | ||
| Average total assets | $328,727,400 | 2,059 |
| Average earning assets | $297,928,800 | 2,087 |
| Average equity | $38,248,800 | 1,749 |
| Average total loans | $207,439,200 | 2,227 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9508% | 6,761 |
| Cost of funding earning assets | 0.7237% | 7,787 |
| Net interest margin | 4.2271% | 1,951 |
| Noninterest income to average assets | 1.1337% | 1,224 |
| Noninterest expense to average assets | 3.8183% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7490% | 3,030 |
| Return on assets (ROA) | 0.7490% | 3,087 |
| Pretax return on assets | 1.1329% | 2,468 |
| Return on Equity (ROE) | 6.4488% | 3,320 |
| Retained earnings to average equity (ytd only) | 2.8920% | 3,708 |
| Net charge-offs to loans | 0.0058% | 6,881 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 311.4367% | 119 |
| Efficiency ratio | 77.1184% | 3,297 |
| Assets per employee ($millions) | 2.6209% | 7,011 |
| Cash dividends to net income (ytd only)* | 55.1538% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 5,919 |
| Loan loss allowance to noncurrent loans | 1,298.8506% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 7,423 |
| Noncurrent loans to loans | 0.0822% | 7,280 |
| Net loans and leases to total assets | 64.9598% | 4,655 |
| Net loans and leases to deposits | 74.8362% | 5,242 |
| Net loans and leases to core deposits | 80.7363% | 6,288 |
| Total domestic deposits to total assets | 86.8026% | 2,281 |
| Equity capital to assets | 11.9922% | 2,241 |
| Core capital (leverage) ratio | 11.2109% | 2,256 |
| Tier 1 risk-based capital ratio | 19.1239% | 1,716 |
| Total risk-based capital ratio | 20.2853% | 1,698 |
| Memoranda: | ||
| Average total assets | $329,872,750 | 2,071 |
| Average earning assets | $297,911,750 | 2,106 |
| Average equity | $38,311,000 | 1,777 |
| Average total loans | $206,277,750 | 2,262 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 6,944 |
| Cost of funding earning assets | 0.7489% | 7,873 |
| Net interest margin | 4.1919% | 2,027 |
| Noninterest income to average assets | 1.1800% | 1,123 |
| Noninterest expense to average assets | 3.8108% | 1,639 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7431% | 3,079 |
| Return on assets (ROA) | 0.7431% | 3,182 |
| Pretax return on assets | 1.1313% | 2,530 |
| Return on Equity (ROE) | 6.4668% | 3,455 |
| Retained earnings to average equity (ytd only) | 1.1153% | 4,713 |
| Net charge-offs to loans | 0.0078% | 6,473 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 174 |
| Efficiency ratio | 77.1095% | 3,494 |
| Assets per employee ($millions) | 2.7565% | 6,724 |
| Cash dividends to net income (ytd only)* | 82.7530% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 5,454 |
| Loan loss allowance to noncurrent loans | 663.0499% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 7,324 |
| Noncurrent loans to loans | 0.1690% | 7,100 |
| Net loans and leases to total assets | 59.8259% | 5,703 |
| Net loans and leases to deposits | 71.0720% | 5,862 |
| Net loans and leases to core deposits | 76.7920% | 6,621 |
| Total domestic deposits to total assets | 84.1765% | 3,661 |
| Equity capital to assets | 11.3268% | 2,654 |
| Core capital (leverage) ratio | 10.8787% | 2,507 |
| Tier 1 risk-based capital ratio | 19.4756% | 1,682 |
| Total risk-based capital ratio | 20.6789% | 1,656 |
| Memoranda: | ||
| Average total assets | $332,374,670 | 2,093 |
| Average earning assets | $298,292,670 | 2,126 |
| Average equity | $38,195,000 | 1,791 |
| Average total loans | $204,480,670 | 2,303 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 6,839 |
| Cost of funding earning assets | 0.7798% | 7,930 |
| Net interest margin | 4.2571% | 1,721 |
| Noninterest income to average assets | 0.9271% | 1,743 |
| Noninterest expense to average assets | 3.7035% | 1,650 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6570% | 3,767 |
| Return on assets (ROA) | 0.6570% | 3,945 |
| Pretax return on assets | 0.9946% | 3,364 |
| Return on Equity (ROE) | 5.6766% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.6766% | 2,787 |
| Net charge-offs to loans | 0.0097% | 5,512 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 261 |
| Efficiency ratio | 78.8299% | 3,027 |
| Assets per employee ($millions) | 2.7211% | 6,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 5,358 |
| Loan loss allowance to noncurrent loans | 6,118.9189% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 7,607 |
| Noncurrent loans to loans | 0.0182% | 7,508 |
| Net loans and leases to total assets | 60.4425% | 5,583 |
| Net loans and leases to deposits | 71.6181% | 5,791 |
| Net loans and leases to core deposits | 76.9432% | 6,613 |
| Total domestic deposits to total assets | 84.3956% | 3,514 |
| Equity capital to assets | 11.5474% | 2,560 |
| Core capital (leverage) ratio | 11.1215% | 2,405 |
| Tier 1 risk-based capital ratio | 19.2362% | 1,769 |
| Total risk-based capital ratio | 20.4156% | 1,744 |
| Memoranda: | ||
| Average total assets | $331,794,000 | 2,100 |
| Average earning assets | $293,911,500 | 2,164 |
| Average equity | $38,403,000 | 1,772 |
| Average total loans | $205,820,000 | 2,308 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2156% | 7,673 |
| Cost of funding earning assets | 1.0242% | 8,043 |
| Net interest margin | 4.1913% | 2,347 |
| Noninterest income to average assets | 0.8924% | 1,990 |
| Noninterest expense to average assets | 3.8330% | 1,694 |
| Loan and lease loss provision to assets | -0.0932% | 8,252 |
| Net operating income to assets | 0.6206% | 4,222 |
| Return on assets (ROA) | 0.7439% | 3,541 |
| Pretax return on assets | 1.1052% | 3,009 |
| Return on Equity (ROE) | 6.3914% | 3,802 |
| Retained earnings to average equity (ytd only) | 0.9344% | 4,671 |
| Net charge-offs to loans | 0.0140% | 6,702 |
| Credit loss provision to net charge-offs | -1,071.4286% | 7,440 |
| Earnings coverage of net charge-offs (x) | 95.1786% | 448 |
| Efficiency ratio | 82.2345% | 2,277 |
| Assets per employee ($millions) | 2.7406% | 6,696 |
| Cash dividends to net income (ytd only)* | 85.3801% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 5,370 |
| Loan loss allowance to noncurrent loans | 2,801.2346% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 7,502 |
| Noncurrent loans to loans | 0.0388% | 7,348 |
| Net loans and leases to total assets | 62.2572% | 5,585 |
| Net loans and leases to deposits | 74.1155% | 5,829 |
| Net loans and leases to core deposits | 79.5049% | 6,649 |
| Total domestic deposits to total assets | 84.0003% | 3,320 |
| Equity capital to assets | 11.6013% | 2,570 |
| Core capital (leverage) ratio | 11.0045% | 2,587 |
| Tier 1 risk-based capital ratio | 18.6403% | 1,879 |
| Total risk-based capital ratio | 19.8028% | 1,855 |
| Memoranda: | ||
| Average total assets | $321,833,400 | 2,075 |
| Average earning assets | $289,383,800 | 2,107 |
| Average equity | $37,456,800 | 1,804 |
| Average total loans | $200,195,600 | 2,296 |