Home > Middletown Valley Bank > Performance and Condition Ratios
Middletown Valley Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6715% | 2,738 |
| Cost of funding earning assets | 1.7656% | 1,308 |
| Net interest margin | 2.9059% | 3,473 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.4715% | 2,377 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 0.5582% | 3,543 |
| Return on assets (ROA) | 0.5582% | 3,534 |
| Pretax return on assets | 0.7318% | 3,373 |
| Return on Equity (ROE) | 6.4700% | 3,425 |
| Retained earnings to average equity (ytd only) | 4.9720% | 2,611 |
| Net charge-offs to loans | 0.0010% | 2,838 |
| Credit loss provision to net charge-offs | -5,587.5000% | 4,601 |
| Earnings coverage of net charge-offs (x) | 789.3750% | 183 |
| Efficiency ratio | 79.0658% | 980 |
| Assets per employee ($millions) | 6.1403% | 2,700 |
| Cash dividends to net income (ytd only)* | 23.2040% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 3,537 |
| Loan loss allowance to noncurrent loans | 424.6846% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 2,301 |
| Noncurrent loans to loans | 0.2238% | 2,427 |
| Net loans and leases to total assets | 81.6200% | 468 |
| Net loans and leases to deposits | 91.6743% | 1,124 |
| Net loans and leases to core deposits | 98.8520% | 1,497 |
| Total domestic deposits to total assets | 89.0300% | 1,057 |
| Equity capital to assets | 8.6599% | 2,924 |
| Core capital (leverage) ratio | 9.1047% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1021% | 2,206 |
| Memoranda: | ||
| Average total assets | $965,040,000 | 1,016 |
| Average earning assets | $931,358,400 | 973 |
| Average equity | $83,205,600 | 1,102 |
| Average total loans | $785,368,400 | 875 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5532% | 2,789 |
| Cost of funding earning assets | 1.6600% | 1,259 |
| Net interest margin | 2.8932% | 3,562 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.4926% | 2,254 |
| Loan and lease loss provision to assets | -0.1400% | 4,565 |
| Net operating income to assets | 0.5837% | 3,585 |
| Return on assets (ROA) | 0.5837% | 3,572 |
| Pretax return on assets | 0.7677% | 3,404 |
| Return on Equity (ROE) | 6.7800% | 3,489 |
| Retained earnings to average equity (ytd only) | 5.9705% | 2,642 |
| Net charge-offs to loans | 0.0019% | 2,513 |
| Credit loss provision to net charge-offs | -7,718.1818% | 4,627 |
| Earnings coverage of net charge-offs (x) | 409.1818% | 360 |
| Efficiency ratio | 79.9349% | 859 |
| Assets per employee ($millions) | 5.7886% | 2,939 |
| Cash dividends to net income (ytd only)* | 11.9076% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 3,679 |
| Loan loss allowance to noncurrent loans | 389.6442% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 2,332 |
| Noncurrent loans to loans | 0.2351% | 2,407 |
| Net loans and leases to total assets | 79.7100% | 683 |
| Net loans and leases to deposits | 89.0220% | 1,304 |
| Net loans and leases to core deposits | 95.6556% | 1,571 |
| Total domestic deposits to total assets | 89.5300% | 1,060 |
| Equity capital to assets | 8.4198% | 2,775 |
| Core capital (leverage) ratio | 9.3446% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2083% | 2,198 |
| Memoranda: | ||
| Average total assets | $959,152,500 | 1,024 |
| Average earning assets | $925,283,750 | 976 |
| Average equity | $82,604,250 | 1,101 |
| Average total loans | $778,064,500 | 879 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4870% | 2,674 |
| Cost of funding earning assets | 1.5214% | 1,205 |
| Net interest margin | 2.9656% | 3,521 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.5065% | 2,186 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 0.5447% | 3,713 |
| Return on assets (ROA) | 0.5447% | 3,720 |
| Pretax return on assets | 0.7113% | 3,581 |
| Return on Equity (ROE) | 6.2800% | 3,633 |
| Retained earnings to average equity (ytd only) | 6.2753% | 2,520 |
| Net charge-offs to loans | 0.0036% | 2,179 |
| Credit loss provision to net charge-offs | -500.0000% | 4,596 |
| Earnings coverage of net charge-offs (x) | 227.7857% | 543 |
| Efficiency ratio | 78.8205% | 935 |
| Assets per employee ($millions) | 5.6977% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 3,360 |
| Loan loss allowance to noncurrent loans | 420.5806% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 2,202 |
| Noncurrent loans to loans | 0.2415% | 2,292 |
| Net loans and leases to total assets | 81.1600% | 501 |
| Net loans and leases to deposits | 92.5293% | 984 |
| Net loans and leases to core deposits | 99.5601% | 1,262 |
| Total domestic deposits to total assets | 87.7100% | 1,704 |
| Equity capital to assets | 8.5182% | 2,849 |
| Core capital (leverage) ratio | 9.5224% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1188% | 2,247 |
| Memoranda: | ||
| Average total assets | $946,990,667 | 1,023 |
| Average earning assets | $913,394,000 | 978 |
| Average equity | $82,195,333 | 1,100 |
| Average total loans | $770,448,000 | 870 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 2,249 |
| Cost of funding earning assets | 1.3364% | 1,157 |
| Net interest margin | 3.1935% | 3,131 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.5937% | 1,968 |
| Loan and lease loss provision to assets | -0.1500% | 4,603 |
| Net operating income to assets | 0.7097% | 3,442 |
| Return on assets (ROA) | 0.7097% | 3,399 |
| Pretax return on assets | 0.9360% | 3,158 |
| Return on Equity (ROE) | 8.1000% | 3,263 |
| Retained earnings to average equity (ytd only) | 8.0981% | 2,189 |
| Net charge-offs to loans | -0.0016% | 3,383 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.6853% | 1,111 |
| Assets per employee ($millions) | 5.3826% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 3,364 |
| Loan loss allowance to noncurrent loans | 377.1483% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 2,018 |
| Noncurrent loans to loans | 0.2743% | 2,164 |
| Net loans and leases to total assets | 80.2300% | 516 |
| Net loans and leases to deposits | 91.7650% | 931 |
| Net loans and leases to core deposits | 96.3230% | 1,265 |
| Total domestic deposits to total assets | 87.4300% | 2,120 |
| Equity capital to assets | 8.8042% | 2,660 |
| Core capital (leverage) ratio | 9.5736% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4726% | 2,190 |
| Memoranda: | ||
| Average total assets | $933,332,500 | 1,056 |
| Average earning assets | $899,704,000 | 1,012 |
| Average equity | $81,796,500 | 1,119 |
| Average total loans | $756,245,000 | 900 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8472% | 2,146 |
| Cost of funding earning assets | 0.4706% | 1,585 |
| Net interest margin | 3.3766% | 2,330 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.4669% | 2,217 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9083% | 2,927 |
| Return on assets (ROA) | 0.9083% | 2,866 |
| Pretax return on assets | 1.2223% | 2,364 |
| Return on Equity (ROE) | 11.3500% | 2,363 |
| Retained earnings to average equity (ytd only) | 9.7070% | 1,239 |
| Net charge-offs to loans | -0.0025% | 3,484 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.2220% | 2,333 |
| Assets per employee ($millions) | 5.4391% | 3,277 |
| Cash dividends to net income (ytd only)* | 14.4836% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 3,500 |
| Loan loss allowance to noncurrent loans | 424.1898% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 2,254 |
| Noncurrent loans to loans | 0.2294% | 2,352 |
| Net loans and leases to total assets | 80.1900% | 571 |
| Net loans and leases to deposits | 88.5074% | 1,142 |
| Net loans and leases to core deposits | 92.2901% | 1,370 |
| Total domestic deposits to total assets | 90.6000% | 1,107 |
| Equity capital to assets | 8.7234% | 2,550 |
| Core capital (leverage) ratio | 9.5250% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3909% | 2,203 |
| Memoranda: | ||
| Average total assets | $874,206,600 | 1,106 |
| Average earning assets | $841,416,200 | 1,064 |
| Average equity | $69,949,600 | 1,249 |
| Average total loans | $688,026,000 | 922 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7074% | 2,027 |
| Cost of funding earning assets | 0.2939% | 2,236 |
| Net interest margin | 3.4136% | 1,932 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.3959% | 2,350 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.9631% | 2,614 |
| Return on assets (ROA) | 0.9631% | 2,587 |
| Pretax return on assets | 1.3052% | 2,035 |
| Return on Equity (ROE) | 12.3400% | 1,929 |
| Retained earnings to average equity (ytd only) | 10.0544% | 1,326 |
| Net charge-offs to loans | -0.0028% | 3,333 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.1037% | 2,817 |
| Assets per employee ($millions) | 5.3521% | 3,371 |
| Cash dividends to net income (ytd only)* | 18.5066% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 3,343 |
| Loan loss allowance to noncurrent loans | 410.2508% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 2,257 |
| Noncurrent loans to loans | 0.2513% | 2,371 |
| Net loans and leases to total assets | 79.3900% | 583 |
| Net loans and leases to deposits | 92.4778% | 742 |
| Net loans and leases to core deposits | 97.9718% | 898 |
| Total domestic deposits to total assets | 85.8500% | 3,099 |
| Equity capital to assets | 7.4571% | 3,244 |
| Core capital (leverage) ratio | 8.5006% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8607% | 2,858 |
| Memoranda: | ||
| Average total assets | $860,236,250 | 1,132 |
| Average earning assets | $827,542,750 | 1,085 |
| Average equity | $67,153,250 | 1,306 |
| Average total loans | $671,738,500 | 935 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5924% | 1,870 |
| Cost of funding earning assets | 0.1867% | 3,092 |
| Net interest margin | 3.4057% | 1,585 |
| Noninterest income to average assets | 0.5983% | 1,748 |
| Noninterest expense to average assets | 2.3326% | 2,451 |
| Loan and lease loss provision to assets | 0.1389% | 693 |
| Net operating income to assets | 1.0544% | 1,956 |
| Return on assets (ROA) | 1.0544% | 1,923 |
| Pretax return on assets | 1.4038% | 1,428 |
| Return on Equity (ROE) | 13.2932% | 1,292 |
| Retained earnings to average equity (ytd only) | 11.0518% | 777 |
| Net charge-offs to loans | -0.0037% | 3,254 |
| Credit loss provision to net charge-offs | -4,883.3333% | 3,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1847% | 3,272 |
| Assets per employee ($millions) | 5.0452% | 3,641 |
| Cash dividends to net income (ytd only)* | 16.8615% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 3,514 |
| Loan loss allowance to noncurrent loans | 377.5532% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 2,239 |
| Noncurrent loans to loans | 0.2703% | 2,397 |
| Net loans and leases to total assets | 78.8750% | 491 |
| Net loans and leases to deposits | 86.6582% | 931 |
| Net loans and leases to core deposits | 92.0975% | 1,014 |
| Total domestic deposits to total assets | 91.0185% | 1,236 |
| Equity capital to assets | 7.7508% | 3,304 |
| Core capital (leverage) ratio | 8.7447% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0258% | 2,813 |
| Memoranda: | ||
| Average total assets | $843,695,333 | 1,143 |
| Average earning assets | $811,820,000 | 1,103 |
| Average equity | $66,921,333 | 1,329 |
| Average total loans | $652,357,333 | 953 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5249% | 1,723 |
| Cost of funding earning assets | 0.1843% | 3,027 |
| Net interest margin | 3.3406% | 1,471 |
| Noninterest income to average assets | 0.5852% | 1,756 |
| Noninterest expense to average assets | 2.4233% | 2,097 |
| Loan and lease loss provision to assets | -0.0019% | 4,394 |
| Net operating income to assets | 1.0030% | 1,875 |
| Return on assets (ROA) | 1.0030% | 1,866 |
| Pretax return on assets | 1.3730% | 1,321 |
| Return on Equity (ROE) | 12.4946% | 1,166 |
| Retained earnings to average equity (ytd only) | 10.3912% | 932 |
| Net charge-offs to loans | 0.0019% | 1,761 |
| Credit loss provision to net charge-offs | -133.3333% | 2,916 |
| Earnings coverage of net charge-offs (x) | 947.3333% | 90 |
| Efficiency ratio | 63.8525% | 3,043 |
| Assets per employee ($millions) | 5.0330% | 3,725 |
| Cash dividends to net income (ytd only)* | 16.8350% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 3,720 |
| Loan loss allowance to noncurrent loans | 335.5556% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 2,274 |
| Noncurrent loans to loans | 0.2986% | 2,399 |
| Net loans and leases to total assets | 75.8592% | 517 |
| Net loans and leases to deposits | 83.0046% | 945 |
| Net loans and leases to core deposits | 86.2260% | 1,117 |
| Total domestic deposits to total assets | 91.3915% | 854 |
| Equity capital to assets | 7.8099% | 3,722 |
| Core capital (leverage) ratio | 8.8430% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2600% | 3,018 |
| Memoranda: | ||
| Average total assets | $829,129,000 | 1,158 |
| Average earning assets | $796,502,500 | 1,130 |
| Average equity | $66,556,500 | 1,378 |
| Average total loans | $630,765,500 | 976 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8109% | 1,842 |
| Cost of funding earning assets | 0.2593% | 2,818 |
| Net interest margin | 3.5516% | 1,597 |
| Noninterest income to average assets | 0.2779% | 3,723 |
| Noninterest expense to average assets | 2.1959% | 3,102 |
| Loan and lease loss provision to assets | 0.4168% | 155 |
| Net operating income to assets | 0.7916% | 3,358 |
| Return on assets (ROA) | 0.8107% | 3,375 |
| Pretax return on assets | 1.0933% | 2,995 |
| Return on Equity (ROE) | 9.2474% | 2,806 |
| Retained earnings to average equity (ytd only) | 8.4754% | 1,355 |
| Net charge-offs to loans | 0.6966% | 109 |
| Credit loss provision to net charge-offs | 75.8561% | 1,981 |
| Earnings coverage of net charge-offs (x) | 2.7046% | 2,576 |
| Efficiency ratio | 59.6412% | 3,208 |
| Assets per employee ($millions) | 5.8050% | 2,947 |
| Cash dividends to net income (ytd only)* | 8.3486% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 3,528 |
| Loan loss allowance to noncurrent loans | 310.8560% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 2,274 |
| Noncurrent loans to loans | 0.3408% | 2,355 |
| Net loans and leases to total assets | 74.7022% | 609 |
| Net loans and leases to deposits | 81.8310% | 1,080 |
| Net loans and leases to core deposits | 85.4939% | 1,232 |
| Total domestic deposits to total assets | 91.2884% | 390 |
| Equity capital to assets | 8.2534% | 4,205 |
| Core capital (leverage) ratio | 8.5663% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3351% | 3,013 |
| Memoranda: | ||
| Average total assets | $738,773,200 | 1,236 |
| Average earning assets | $708,079,800 | 1,207 |
| Average equity | $64,764,000 | 1,431 |
| Average total loans | $582,724,000 | 1,042 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9196% | 1,705 |
| Cost of funding earning assets | 0.2762% | 2,838 |
| Net interest margin | 3.6434% | 1,483 |
| Noninterest income to average assets | 0.2919% | 3,703 |
| Noninterest expense to average assets | 2.1768% | 3,149 |
| Loan and lease loss provision to assets | 0.4911% | 110 |
| Net operating income to assets | 0.8108% | 3,498 |
| Return on assets (ROA) | 0.8369% | 3,486 |
| Pretax return on assets | 1.1465% | 3,087 |
| Return on Equity (ROE) | 9.3912% | 2,968 |
| Retained earnings to average equity (ytd only) | 8.8719% | 1,746 |
| Net charge-offs to loans | 0.9417% | 70 |
| Credit loss provision to net charge-offs | 65.3287% | 1,780 |
| Earnings coverage of net charge-offs (x) | 2.1347% | 2,360 |
| Efficiency ratio | 57.5652% | 3,341 |
| Assets per employee ($millions) | 5.7355% | 2,951 |
| Cash dividends to net income (ytd only)* | 5.5298% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 3,632 |
| Loan loss allowance to noncurrent loans | 412.7804% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 2,850 |
| Noncurrent loans to loans | 0.2561% | 2,906 |
| Net loans and leases to total assets | 73.4004% | 740 |
| Net loans and leases to deposits | 80.9666% | 1,193 |
| Net loans and leases to core deposits | 84.9027% | 1,359 |
| Total domestic deposits to total assets | 90.6551% | 485 |
| Equity capital to assets | 8.5193% | 4,197 |
| Core capital (leverage) ratio | 8.8577% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8767% | 2,991 |
| Memoranda: | ||
| Average total assets | $720,290,000 | 1,280 |
| Average earning assets | $689,883,000 | 1,254 |
| Average equity | $64,186,000 | 1,453 |
| Average total loans | $575,002,750 | 1,071 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 1,564 |
| Cost of funding earning assets | 0.2920% | 2,855 |
| Net interest margin | 3.7073% | 1,334 |
| Noninterest income to average assets | 0.3002% | 3,632 |
| Noninterest expense to average assets | 2.1444% | 3,260 |
| Loan and lease loss provision to assets | 0.8256% | 51 |
| Net operating income to assets | 0.6266% | 3,925 |
| Return on assets (ROA) | 0.6667% | 3,903 |
| Pretax return on assets | 0.9275% | 3,603 |
| Return on Equity (ROE) | 7.3624% | 3,563 |
| Retained earnings to average equity (ytd only) | 7.3624% | 2,303 |
| Net charge-offs to loans | 1.5880% | 41 |
| Credit loss provision to net charge-offs | 63.4771% | 1,543 |
| Earnings coverage of net charge-offs (x) | 1.3090% | 2,174 |
| Efficiency ratio | 55.7447% | 3,577 |
| Assets per employee ($millions) | 5.5576% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 3,770 |
| Loan loss allowance to noncurrent loans | 350.9662% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 2,782 |
| Noncurrent loans to loans | 0.2892% | 2,892 |
| Net loans and leases to total assets | 78.4415% | 410 |
| Net loans and leases to deposits | 86.7206% | 864 |
| Net loans and leases to core deposits | 91.4908% | 1,041 |
| Total domestic deposits to total assets | 90.4531% | 575 |
| Equity capital to assets | 8.9785% | 3,814 |
| Core capital (leverage) ratio | 9.0570% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $702,287,333 | 1,300 |
| Average earning assets | $671,864,667 | 1,273 |
| Average equity | $63,593,000 | 1,452 |
| Average total loans | $575,200,333 | 1,074 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1132% | 1,353 |
| Cost of funding earning assets | 0.3146% | 2,847 |
| Net interest margin | 3.7986% | 1,144 |
| Noninterest income to average assets | 0.3103% | 3,548 |
| Noninterest expense to average assets | 1.9971% | 3,719 |
| Loan and lease loss provision to assets | 0.8472% | 53 |
| Net operating income to assets | 0.7648% | 3,532 |
| Return on assets (ROA) | 0.8460% | 3,362 |
| Pretax return on assets | 1.1898% | 2,872 |
| Return on Equity (ROE) | 9.3018% | 2,922 |
| Retained earnings to average equity (ytd only) | 9.3018% | 1,859 |
| Net charge-offs to loans | -0.0007% | 3,024 |
| Credit loss provision to net charge-offs | -146,600.0000% | 3,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8011% | 4,115 |
| Assets per employee ($millions) | 5.9093% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 1,555 |
| Loan loss allowance to noncurrent loans | 939.8109% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 3,504 |
| Noncurrent loans to loans | 0.1611% | 3,529 |
| Net loans and leases to total assets | 82.0557% | 227 |
| Net loans and leases to deposits | 90.8766% | 657 |
| Net loans and leases to core deposits | 96.0140% | 881 |
| Total domestic deposits to total assets | 90.2935% | 671 |
| Equity capital to assets | 8.9486% | 3,733 |
| Core capital (leverage) ratio | 9.2081% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $692,188,500 | 1,297 |
| Average earning assets | $659,830,000 | 1,279 |
| Average equity | $62,955,500 | 1,453 |
| Average total loans | $576,530,500 | 1,070 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 2,681 |
| Cost of funding earning assets | 0.5783% | 2,460 |
| Net interest margin | 3.4369% | 2,651 |
| Noninterest income to average assets | 0.3018% | 3,666 |
| Noninterest expense to average assets | 2.4895% | 2,883 |
| Loan and lease loss provision to assets | 0.5186% | 454 |
| Net operating income to assets | 0.4265% | 4,192 |
| Return on assets (ROA) | 0.5210% | 4,068 |
| Pretax return on assets | 0.6935% | 3,895 |
| Return on Equity (ROE) | 5.3266% | 3,806 |
| Retained earnings to average equity (ytd only) | 3.6966% | 2,978 |
| Net charge-offs to loans | 0.0016% | 3,358 |
| Credit loss provision to net charge-offs | 40,662.5000% | 28 |
| Earnings coverage of net charge-offs (x) | 856.6250% | 138 |
| Efficiency ratio | 69.5002% | 2,016 |
| Assets per employee ($millions) | 5.6281% | 2,712 |
| Cash dividends to net income (ytd only)* | 30.5998% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 2,272 |
| Loan loss allowance to noncurrent loans | 743.5388% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 3,535 |
| Noncurrent loans to loans | 0.1789% | 3,574 |
| Net loans and leases to total assets | 82.1417% | 283 |
| Net loans and leases to deposits | 92.0156% | 776 |
| Net loans and leases to core deposits | 99.3465% | 934 |
| Total domestic deposits to total assets | 89.2694% | 867 |
| Equity capital to assets | 9.2475% | 3,840 |
| Core capital (leverage) ratio | 8.8336% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $627,282,600 | 1,287 |
| Average earning assets | $598,679,600 | 1,267 |
| Average equity | $61,353,000 | 1,421 |
| Average total loans | $507,511,000 | 1,124 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9725% | 3,053 |
| Cost of funding earning assets | 0.6430% | 2,369 |
| Net interest margin | 3.3295% | 3,099 |
| Noninterest income to average assets | 0.2845% | 3,783 |
| Noninterest expense to average assets | 2.4631% | 2,953 |
| Loan and lease loss provision to assets | 0.3893% | 934 |
| Net operating income to assets | 0.4515% | 4,163 |
| Return on assets (ROA) | 0.4813% | 4,157 |
| Pretax return on assets | 0.6391% | 4,029 |
| Return on Equity (ROE) | 4.8484% | 3,934 |
| Retained earnings to average equity (ytd only) | 4.8484% | 2,631 |
| Net charge-offs to loans | 0.0019% | 3,139 |
| Credit loss provision to net charge-offs | 25,657.1429% | 46 |
| Earnings coverage of net charge-offs (x) | 653.0000% | 188 |
| Efficiency ratio | 71.3183% | 1,717 |
| Assets per employee ($millions) | 5.2835% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 3,318 |
| Loan loss allowance to noncurrent loans | 391.1688% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 3,275 |
| Noncurrent loans to loans | 0.2756% | 3,306 |
| Net loans and leases to total assets | 83.6898% | 304 |
| Net loans and leases to deposits | 93.4052% | 973 |
| Net loans and leases to core deposits | 102.7697% | 993 |
| Total domestic deposits to total assets | 89.5987% | 553 |
| Equity capital to assets | 9.4629% | 3,709 |
| Core capital (leverage) ratio | 8.9953% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $615,259,750 | 1,289 |
| Average earning assets | $585,613,250 | 1,268 |
| Average equity | $61,077,500 | 1,418 |
| Average total loans | $493,827,750 | 1,139 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9821% | 3,372 |
| Cost of funding earning assets | 0.7294% | 2,240 |
| Net interest margin | 3.2527% | 3,515 |
| Noninterest income to average assets | 0.2446% | 4,012 |
| Noninterest expense to average assets | 2.4105% | 3,237 |
| Loan and lease loss provision to assets | 0.3169% | 1,349 |
| Net operating income to assets | 0.4581% | 4,114 |
| Return on assets (ROA) | 0.4605% | 4,176 |
| Pretax return on assets | 0.6108% | 4,039 |
| Return on Equity (ROE) | 4.5607% | 3,955 |
| Retained earnings to average equity (ytd only) | 4.5607% | 2,675 |
| Net charge-offs to loans | 0.0034% | 2,869 |
| Credit loss provision to net charge-offs | 11,887.5000% | 100 |
| Earnings coverage of net charge-offs (x) | 346.8750% | 296 |
| Efficiency ratio | 72.2750% | 1,642 |
| Assets per employee ($millions) | 5.3449% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 3,676 |
| Loan loss allowance to noncurrent loans | 345.4970% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 3,432 |
| Noncurrent loans to loans | 0.2830% | 3,365 |
| Net loans and leases to total assets | 78.5026% | 787 |
| Net loans and leases to deposits | 87.2084% | 1,640 |
| Net loans and leases to core deposits | 99.3544% | 1,309 |
| Total domestic deposits to total assets | 90.0172% | 396 |
| Equity capital to assets | 9.2343% | 3,893 |
| Core capital (leverage) ratio | 9.0185% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $600,201,333 | 1,294 |
| Average earning assets | $570,302,333 | 1,268 |
| Average equity | $60,604,667 | 1,418 |
| Average total loans | $472,190,000 | 1,172 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1454% | 3,391 |
| Cost of funding earning assets | 0.8224% | 2,261 |
| Net interest margin | 3.3229% | 3,534 |
| Noninterest income to average assets | 0.2635% | 3,960 |
| Noninterest expense to average assets | 2.5960% | 2,992 |
| Loan and lease loss provision to assets | 0.2282% | 1,357 |
| Net operating income to assets | 0.4661% | 3,981 |
| Return on assets (ROA) | 0.4712% | 4,019 |
| Pretax return on assets | 0.6167% | 3,893 |
| Return on Equity (ROE) | 4.4423% | 3,836 |
| Retained earnings to average equity (ytd only) | 4.4423% | 2,514 |
| Net charge-offs to loans | 0.0054% | 2,379 |
| Credit loss provision to net charge-offs | 5,383.3333% | 145 |
| Earnings coverage of net charge-offs (x) | 197.8333% | 349 |
| Efficiency ratio | 75.5862% | 1,612 |
| Assets per employee ($millions) | 4.7995% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,697 |
| Loan loss allowance to noncurrent loans | 411.2918% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 3,776 |
| Noncurrent loans to loans | 0.2434% | 3,611 |
| Net loans and leases to total assets | 72.7083% | 1,821 |
| Net loans and leases to deposits | 85.9577% | 2,005 |
| Net loans and leases to core deposits | 102.1987% | 1,304 |
| Total domestic deposits to total assets | 84.5861% | 2,573 |
| Equity capital to assets | 9.7701% | 3,980 |
| Core capital (leverage) ratio | 11.0854% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $566,248,000 | 1,318 |
| Average earning assets | $540,364,500 | 1,289 |
| Average equity | $60,059,500 | 1,419 |
| Average total loans | $443,454,500 | 1,201 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 2,404 |
| Cost of funding earning assets | 0.9421% | 2,000 |
| Net interest margin | 3.7325% | 2,723 |
| Noninterest income to average assets | 0.3025% | 3,879 |
| Noninterest expense to average assets | 2.9075% | 2,270 |
| Loan and lease loss provision to assets | 0.1608% | 1,303 |
| Net operating income to assets | 0.5735% | 4,237 |
| Return on assets (ROA) | 0.5733% | 4,293 |
| Pretax return on assets | 0.7782% | 4,019 |
| Return on Equity (ROE) | 5.7217% | 4,001 |
| Retained earnings to average equity (ytd only) | -0.1893% | 4,729 |
| Net charge-offs to loans | 0.0309% | 2,779 |
| Credit loss provision to net charge-offs | 630.5785% | 495 |
| Earnings coverage of net charge-offs (x) | 36.8264% | 1,387 |
| Efficiency ratio | 75.5836% | 1,408 |
| Assets per employee ($millions) | 4.1737% | 3,665 |
| Cash dividends to net income (ytd only)* | 103.3088% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 3,609 |
| Loan loss allowance to noncurrent loans | 366.6667% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 3,548 |
| Noncurrent loans to loans | 0.2672% | 3,489 |
| Net loans and leases to total assets | 83.3641% | 385 |
| Net loans and leases to deposits | 95.3565% | 1,012 |
| Net loans and leases to core deposits | 103.4650% | 1,276 |
| Total domestic deposits to total assets | 87.4236% | 1,396 |
| Equity capital to assets | 11.6154% | 2,414 |
| Core capital (leverage) ratio | 11.7606% | 1,916 |
| Tier 1 risk-based capital ratio | 14.3666% | 3,083 |
| Total risk-based capital ratio | 15.5681% | 3,021 |
| Memoranda: | ||
| Average total assets | $474,428,000 | 1,483 |
| Average earning assets | $450,498,200 | 1,455 |
| Average equity | $47,538,000 | 1,671 |
| Average total loans | $391,848,000 | 1,288 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 2,381 |
| Cost of funding earning assets | 0.9624% | 1,925 |
| Net interest margin | 3.7486% | 2,757 |
| Noninterest income to average assets | 0.3007% | 3,938 |
| Noninterest expense to average assets | 2.9059% | 2,245 |
| Loan and lease loss provision to assets | 0.1538% | 1,219 |
| Net operating income to assets | 0.5839% | 4,331 |
| Return on assets (ROA) | 0.5839% | 4,381 |
| Pretax return on assets | 0.7939% | 4,129 |
| Return on Equity (ROE) | 6.0951% | 4,008 |
| Retained earnings to average equity (ytd only) | -2.3212% | 4,949 |
| Net charge-offs to loans | 0.0405% | 2,282 |
| Credit loss provision to net charge-offs | 462.0690% | 676 |
| Earnings coverage of net charge-offs (x) | 28.4747% | 1,685 |
| Efficiency ratio | 75.4076% | 1,400 |
| Assets per employee ($millions) | 3.9669% | 3,946 |
| Cash dividends to net income (ytd only)* | 138.0832% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 3,729 |
| Loan loss allowance to noncurrent loans | 332.7529% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 3,569 |
| Noncurrent loans to loans | 0.2917% | 3,490 |
| Net loans and leases to total assets | 84.5971% | 285 |
| Net loans and leases to deposits | 94.3203% | 1,193 |
| Net loans and leases to core deposits | 101.5374% | 1,543 |
| Total domestic deposits to total assets | 89.6913% | 373 |
| Equity capital to assets | 9.3289% | 4,576 |
| Core capital (leverage) ratio | 9.4447% | 4,224 |
| Tier 1 risk-based capital ratio | 11.4811% | 4,677 |
| Total risk-based capital ratio | 12.6870% | 4,601 |
| Memoranda: | ||
| Average total assets | $464,695,000 | 1,516 |
| Average earning assets | $440,436,750 | 1,487 |
| Average equity | $44,515,250 | 1,777 |
| Average total loans | $381,761,750 | 1,327 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7304% | 2,276 |
| Cost of funding earning assets | 0.9763% | 1,808 |
| Net interest margin | 3.7541% | 2,739 |
| Noninterest income to average assets | 0.2806% | 4,058 |
| Noninterest expense to average assets | 2.9773% | 2,067 |
| Loan and lease loss provision to assets | 0.1493% | 1,228 |
| Net operating income to assets | 0.5272% | 4,466 |
| Return on assets (ROA) | 0.5272% | 4,497 |
| Pretax return on assets | 0.6983% | 4,335 |
| Return on Equity (ROE) | 5.4532% | 4,220 |
| Retained earnings to average equity (ytd only) | -6.3290% | 5,103 |
| Net charge-offs to loans | 0.0598% | 1,790 |
| Credit loss provision to net charge-offs | 308.1081% | 881 |
| Earnings coverage of net charge-offs (x) | 17.4955% | 1,891 |
| Efficiency ratio | 77.8412% | 1,173 |
| Assets per employee ($millions) | 4.0096% | 3,849 |
| Cash dividends to net income (ytd only)* | 216.0596% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 3,719 |
| Loan loss allowance to noncurrent loans | 278.5870% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 3,389 |
| Noncurrent loans to loans | 0.3531% | 3,282 |
| Net loans and leases to total assets | 81.3643% | 689 |
| Net loans and leases to deposits | 90.8049% | 1,657 |
| Net loans and leases to core deposits | 102.3672% | 1,520 |
| Total domestic deposits to total assets | 89.6034% | 449 |
| Equity capital to assets | 9.3853% | 4,517 |
| Core capital (leverage) ratio | 9.4000% | 4,249 |
| Tier 1 risk-based capital ratio | 12.0319% | 4,396 |
| Total risk-based capital ratio | 13.2654% | 4,292 |
| Memoranda: | ||
| Average total assets | $458,273,330 | 1,534 |
| Average earning assets | $432,651,330 | 1,518 |
| Average equity | $44,304,330 | 1,781 |
| Average total loans | $371,206,000 | 1,366 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5756% | 2,623 |
| Cost of funding earning assets | 0.9568% | 1,763 |
| Net interest margin | 3.6188% | 3,187 |
| Noninterest income to average assets | 0.2742% | 4,048 |
| Noninterest expense to average assets | 3.0175% | 1,947 |
| Loan and lease loss provision to assets | 0.0603% | 2,452 |
| Net operating income to assets | 0.4001% | 4,732 |
| Return on assets (ROA) | 0.4001% | 4,745 |
| Pretax return on assets | 0.6193% | 4,474 |
| Return on Equity (ROE) | 4.0765% | 4,560 |
| Retained earnings to average equity (ytd only) | -16.1884% | 5,222 |
| Net charge-offs to loans | 0.0077% | 2,419 |
| Credit loss provision to net charge-offs | 971.4286% | 384 |
| Earnings coverage of net charge-offs (x) | 109.4286% | 631 |
| Efficiency ratio | 81.6175% | 910 |
| Assets per employee ($millions) | 4.0531% | 3,841 |
| Cash dividends to net income (ytd only)* | 497.1175% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 3,738 |
| Loan loss allowance to noncurrent loans | 174.0000% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 2,794 |
| Noncurrent loans to loans | 0.5721% | 2,617 |
| Net loans and leases to total assets | 77.9716% | 1,156 |
| Net loans and leases to deposits | 87.0063% | 1,998 |
| Net loans and leases to core deposits | 98.0418% | 1,772 |
| Total domestic deposits to total assets | 89.6160% | 593 |
| Equity capital to assets | 9.3647% | 4,371 |
| Core capital (leverage) ratio | 9.7068% | 3,910 |
| Tier 1 risk-based capital ratio | 12.5952% | 4,104 |
| Total risk-based capital ratio | 13.8271% | 3,998 |
| Memoranda: | ||
| Average total assets | $450,842,500 | 1,572 |
| Average earning assets | $426,438,000 | 1,544 |
| Average equity | $44,254,000 | 1,770 |
| Average total loans | $362,415,000 | 1,397 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 3,092 |
| Cost of funding earning assets | 0.7012% | 2,086 |
| Net interest margin | 3.6042% | 3,372 |
| Noninterest income to average assets | 0.2947% | 4,136 |
| Noninterest expense to average assets | 2.8752% | 2,437 |
| Loan and lease loss provision to assets | 0.1461% | 1,462 |
| Net operating income to assets | 0.5223% | 4,613 |
| Return on assets (ROA) | 0.5223% | 4,610 |
| Pretax return on assets | 0.6985% | 4,420 |
| Return on Equity (ROE) | 4.7328% | 4,523 |
| Retained earnings to average equity (ytd only) | 3.8208% | 3,476 |
| Net charge-offs to loans | 0.0125% | 3,266 |
| Credit loss provision to net charge-offs | 1,455.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 84.1250% | 837 |
| Efficiency ratio | 77.2942% | 1,203 |
| Assets per employee ($millions) | 3.9598% | 3,945 |
| Cash dividends to net income (ytd only)* | 19.2696% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 3,657 |
| Loan loss allowance to noncurrent loans | 146.4737% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 2,355 |
| Noncurrent loans to loans | 0.6857% | 2,272 |
| Net loans and leases to total assets | 81.3063% | 767 |
| Net loans and leases to deposits | 91.1273% | 1,650 |
| Net loans and leases to core deposits | 112.7152% | 848 |
| Total domestic deposits to total assets | 89.2227% | 765 |
| Equity capital to assets | 10.2986% | 3,375 |
| Core capital (leverage) ratio | 10.6392% | 2,899 |
| Tier 1 risk-based capital ratio | 13.5241% | 3,533 |
| Total risk-based capital ratio | 14.7670% | 3,447 |
| Memoranda: | ||
| Average total assets | $398,405,000 | 1,719 |
| Average earning assets | $378,619,000 | 1,682 |
| Average equity | $43,969,400 | 1,700 |
| Average total loans | $318,763,600 | 1,517 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2028% | 3,312 |
| Cost of funding earning assets | 0.6241% | 2,309 |
| Net interest margin | 3.5786% | 3,437 |
| Noninterest income to average assets | 0.2978% | 4,158 |
| Noninterest expense to average assets | 2.7707% | 2,742 |
| Loan and lease loss provision to assets | 0.1532% | 1,285 |
| Net operating income to assets | 0.5746% | 4,573 |
| Return on assets (ROA) | 0.5746% | 4,579 |
| Pretax return on assets | 0.7747% | 4,359 |
| Return on Equity (ROE) | 5.1110% | 4,522 |
| Retained earnings to average equity (ytd only) | 4.4985% | 3,500 |
| Net charge-offs to loans | 0.0371% | 2,336 |
| Credit loss provision to net charge-offs | 519.7674% | 677 |
| Earnings coverage of net charge-offs (x) | 31.4894% | 1,566 |
| Efficiency ratio | 74.9120% | 1,469 |
| Assets per employee ($millions) | 4.0842% | 3,760 |
| Cash dividends to net income (ytd only)* | 11.9856% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 3,823 |
| Loan loss allowance to noncurrent loans | 108.1458% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 1,924 |
| Noncurrent loans to loans | 0.9168% | 1,869 |
| Net loans and leases to total assets | 79.4540% | 1,098 |
| Net loans and leases to deposits | 90.7621% | 1,798 |
| Net loans and leases to core deposits | 114.7833% | 773 |
| Total domestic deposits to total assets | 87.5409% | 1,466 |
| Equity capital to assets | 10.3192% | 3,311 |
| Core capital (leverage) ratio | 11.0425% | 2,539 |
| Tier 1 risk-based capital ratio | 13.9825% | 3,388 |
| Total risk-based capital ratio | 15.1882% | 3,313 |
| Memoranda: | ||
| Average total assets | $389,112,750 | 1,770 |
| Average earning assets | $369,776,500 | 1,729 |
| Average equity | $43,747,250 | 1,709 |
| Average total loans | $309,019,000 | 1,556 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1266% | 3,360 |
| Cost of funding earning assets | 0.5317% | 2,753 |
| Net interest margin | 3.5950% | 3,330 |
| Noninterest income to average assets | 0.3033% | 4,147 |
| Noninterest expense to average assets | 2.7861% | 2,702 |
| Loan and lease loss provision to assets | 0.0623% | 2,659 |
| Net operating income to assets | 0.6401% | 4,377 |
| Return on assets (ROA) | 0.6401% | 4,386 |
| Pretax return on assets | 0.8695% | 4,055 |
| Return on Equity (ROE) | 5.5210% | 4,401 |
| Retained earnings to average equity (ytd only) | 4.9061% | 3,120 |
| Net charge-offs to loans | 0.0538% | 1,836 |
| Credit loss provision to net charge-offs | 146.2500% | 1,602 |
| Earnings coverage of net charge-offs (x) | 21.8875% | 1,760 |
| Efficiency ratio | 74.9392% | 1,573 |
| Assets per employee ($millions) | 3.9696% | 3,947 |
| Cash dividends to net income (ytd only)* | 11.1388% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 3,968 |
| Loan loss allowance to noncurrent loans | 102.2517% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.8110% | 1,846 |
| Noncurrent loans to loans | 0.9562% | 1,818 |
| Net loans and leases to total assets | 79.5815% | 1,084 |
| Net loans and leases to deposits | 90.0532% | 1,836 |
| Net loans and leases to core deposits | 104.8906% | 1,322 |
| Total domestic deposits to total assets | 88.3716% | 1,192 |
| Equity capital to assets | 11.1899% | 2,464 |
| Core capital (leverage) ratio | 11.8931% | 1,780 |
| Tier 1 risk-based capital ratio | 15.1129% | 2,821 |
| Total risk-based capital ratio | 16.3026% | 2,776 |
| Memoranda: | ||
| Average total assets | $375,869,670 | 1,830 |
| Average earning assets | $357,000,000 | 1,791 |
| Average equity | $43,578,670 | 1,720 |
| Average total loans | $297,310,670 | 1,619 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0648% | 3,352 |
| Cost of funding earning assets | 0.5090% | 2,730 |
| Net interest margin | 3.5558% | 3,325 |
| Noninterest income to average assets | 0.3060% | 4,116 |
| Noninterest expense to average assets | 2.7748% | 2,789 |
| Loan and lease loss provision to assets | 0.1710% | 1,034 |
| Net operating income to assets | 0.5456% | 4,591 |
| Return on assets (ROA) | 0.5456% | 4,595 |
| Pretax return on assets | 0.7383% | 4,329 |
| Return on Equity (ROE) | 4.6196% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.0018% | 3,591 |
| Net charge-offs to loans | 0.0056% | 2,536 |
| Credit loss provision to net charge-offs | 3,925.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 208.7500% | 326 |
| Efficiency ratio | 75.3178% | 1,698 |
| Assets per employee ($millions) | 4.1955% | 3,658 |
| Cash dividends to net income (ytd only)* | 13.3733% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,417 |
| Loan loss allowance to noncurrent loans | 95.6418% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9419% | 1,676 |
| Noncurrent loans to loans | 1.1448% | 1,596 |
| Net loans and leases to total assets | 77.5106% | 1,311 |
| Net loans and leases to deposits | 88.1995% | 1,906 |
| Net loans and leases to core deposits | 103.7187% | 1,397 |
| Total domestic deposits to total assets | 87.8810% | 1,689 |
| Equity capital to assets | 11.6158% | 2,051 |
| Core capital (leverage) ratio | 12.2371% | 1,505 |
| Tier 1 risk-based capital ratio | 16.1063% | 2,420 |
| Total risk-based capital ratio | 17.3572% | 2,374 |
| Memoranda: | ||
| Average total assets | $367,311,000 | 1,868 |
| Average earning assets | $348,951,000 | 1,835 |
| Average equity | $43,380,500 | 1,732 |
| Average total loans | $288,049,500 | 1,667 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 3,494 |
| Cost of funding earning assets | 0.3880% | 3,354 |
| Net interest margin | 3.5867% | 3,216 |
| Noninterest income to average assets | 0.3536% | 3,936 |
| Noninterest expense to average assets | 2.7369% | 3,009 |
| Loan and lease loss provision to assets | 0.2009% | 1,027 |
| Net operating income to assets | 0.3916% | 4,721 |
| Return on assets (ROA) | 0.3839% | 4,757 |
| Pretax return on assets | 0.7776% | 4,307 |
| Return on Equity (ROE) | 4.0305% | 4,491 |
| Retained earnings to average equity (ytd only) | 3.6232% | 3,087 |
| Net charge-offs to loans | 0.0467% | 2,853 |
| Credit loss provision to net charge-offs | 563.7168% | 573 |
| Earnings coverage of net charge-offs (x) | 27.7876% | 1,623 |
| Efficiency ratio | 73.4259% | 1,995 |
| Assets per employee ($millions) | 4.4052% | 3,340 |
| Cash dividends to net income (ytd only)* | 10.1068% | 3,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 3,471 |
| Loan loss allowance to noncurrent loans | 97.3516% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 1,695 |
| Noncurrent loans to loans | 1.1056% | 1,601 |
| Net loans and leases to total assets | 77.6308% | 1,331 |
| Net loans and leases to deposits | 88.7594% | 1,930 |
| Net loans and leases to core deposits | 105.4738% | 1,304 |
| Total domestic deposits to total assets | 87.4621% | 1,785 |
| Equity capital to assets | 12.0114% | 1,831 |
| Core capital (leverage) ratio | 12.6229% | 1,299 |
| Tier 1 risk-based capital ratio | 16.4262% | 2,294 |
| Total risk-based capital ratio | 17.6765% | 2,225 |
| Memoranda: | ||
| Average total assets | $316,995,800 | 2,080 |
| Average earning assets | $298,181,200 | 2,050 |
| Average equity | $30,194,400 | 2,344 |
| Average total loans | $242,159,000 | 1,867 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9773% | 3,433 |
| Cost of funding earning assets | 0.3603% | 3,562 |
| Net interest margin | 3.6170% | 3,080 |
| Noninterest income to average assets | 0.3700% | 3,877 |
| Noninterest expense to average assets | 2.6545% | 3,232 |
| Loan and lease loss provision to assets | 0.1416% | 1,494 |
| Net operating income to assets | 0.6283% | 4,284 |
| Return on assets (ROA) | 0.6175% | 4,367 |
| Pretax return on assets | 0.9522% | 3,858 |
| Return on Equity (ROE) | 7.0244% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.6378% | 1,886 |
| Net charge-offs to loans | 0.0592% | 2,274 |
| Credit loss provision to net charge-offs | 315.5340% | 948 |
| Earnings coverage of net charge-offs (x) | 24.7379% | 1,756 |
| Efficiency ratio | 70.5058% | 2,456 |
| Assets per employee ($millions) | 4.0082% | 3,980 |
| Cash dividends to net income (ytd only)* | 5.5047% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,601 |
| Loan loss allowance to noncurrent loans | 149.3210% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 2,664 |
| Noncurrent loans to loans | 0.7231% | 2,548 |
| Net loans and leases to total assets | 77.5697% | 1,332 |
| Net loans and leases to deposits | 86.1156% | 2,278 |
| Net loans and leases to core deposits | 101.7626% | 1,564 |
| Total domestic deposits to total assets | 90.0762% | 450 |
| Equity capital to assets | 9.3999% | 4,544 |
| Core capital (leverage) ratio | 9.8080% | 3,810 |
| Tier 1 risk-based capital ratio | 12.9422% | 4,051 |
| Total risk-based capital ratio | 14.1933% | 3,955 |
| Memoranda: | ||
| Average total assets | $305,938,750 | 2,152 |
| Average earning assets | $287,158,250 | 2,125 |
| Average equity | $26,896,000 | 2,571 |
| Average total loans | $231,830,750 | 1,934 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9223% | 3,479 |
| Cost of funding earning assets | 0.3407% | 3,681 |
| Net interest margin | 3.5816% | 3,103 |
| Noninterest income to average assets | 0.3824% | 3,811 |
| Noninterest expense to average assets | 2.6734% | 3,186 |
| Loan and lease loss provision to assets | 0.1448% | 1,410 |
| Net operating income to assets | 0.6026% | 4,297 |
| Return on assets (ROA) | 0.6026% | 4,340 |
| Pretax return on assets | 0.9249% | 3,846 |
| Return on Equity (ROE) | 7.0303% | 3,539 |
| Retained earnings to average equity (ytd only) | 6.6333% | 1,780 |
| Net charge-offs to loans | 0.0901% | 1,712 |
| Credit loss provision to net charge-offs | 214.8515% | 1,207 |
| Earnings coverage of net charge-offs (x) | 15.8713% | 2,003 |
| Efficiency ratio | 71.4209% | 2,452 |
| Assets per employee ($millions) | 3.8953% | 4,136 |
| Cash dividends to net income (ytd only)* | 5.6478% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 3,416 |
| Loan loss allowance to noncurrent loans | 145.9415% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 2,825 |
| Noncurrent loans to loans | 0.7751% | 2,468 |
| Net loans and leases to total assets | 74.1278% | 1,839 |
| Net loans and leases to deposits | 81.4815% | 2,747 |
| Net loans and leases to core deposits | 93.9949% | 2,155 |
| Total domestic deposits to total assets | 90.9750% | 229 |
| Equity capital to assets | 8.4143% | 5,348 |
| Core capital (leverage) ratio | 8.6492% | 5,090 |
| Tier 1 risk-based capital ratio | 12.0538% | 4,600 |
| Total risk-based capital ratio | 13.3053% | 4,476 |
| Memoranda: | ||
| Average total assets | $299,697,330 | 2,194 |
| Average earning assets | $281,214,670 | 2,169 |
| Average equity | $25,688,670 | 2,652 |
| Average total loans | $224,244,670 | 1,982 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 3,548 |
| Cost of funding earning assets | 0.3215% | 3,837 |
| Net interest margin | 3.5389% | 3,125 |
| Noninterest income to average assets | 0.3581% | 3,972 |
| Noninterest expense to average assets | 2.5738% | 3,580 |
| Loan and lease loss provision to assets | 0.0545% | 2,714 |
| Net operating income to assets | 0.6741% | 3,816 |
| Return on assets (ROA) | 0.6741% | 3,855 |
| Pretax return on assets | 1.0431% | 3,190 |
| Return on Equity (ROE) | 7.7884% | 3,029 |
| Retained earnings to average equity (ytd only) | 7.3950% | 1,696 |
| Net charge-offs to loans | 0.0073% | 2,714 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 201.5000% | 279 |
| Efficiency ratio | 70.1039% | 2,871 |
| Assets per employee ($millions) | 3.9554% | 4,086 |
| Cash dividends to net income (ytd only)* | 5.0505% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 3,555 |
| Loan loss allowance to noncurrent loans | 143.5050% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.7824% | 2,343 |
| Noncurrent loans to loans | 0.7834% | 2,502 |
| Net loans and leases to total assets | 74.0151% | 1,741 |
| Net loans and leases to deposits | 81.3914% | 2,581 |
| Net loans and leases to core deposits | 93.6956% | 2,009 |
| Total domestic deposits to total assets | 90.9372% | 320 |
| Equity capital to assets | 8.4452% | 5,277 |
| Core capital (leverage) ratio | 9.0016% | 4,739 |
| Tier 1 risk-based capital ratio | 12.1954% | 4,586 |
| Total risk-based capital ratio | 13.4466% | 4,485 |
| Memoranda: | ||
| Average total assets | $293,734,000 | 2,242 |
| Average earning assets | $275,001,000 | 2,213 |
| Average equity | $25,422,500 | 2,685 |
| Average total loans | $219,545,500 | 2,029 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 4,027 |
| Cost of funding earning assets | 0.2751% | 4,308 |
| Net interest margin | 3.4834% | 3,498 |
| Noninterest income to average assets | 0.3622% | 4,154 |
| Noninterest expense to average assets | 2.9269% | 2,578 |
| Loan and lease loss provision to assets | 0.1742% | 1,384 |
| Net operating income to assets | 0.3352% | 5,127 |
| Return on assets (ROA) | 0.3352% | 5,200 |
| Pretax return on assets | 0.4789% | 5,069 |
| Return on Equity (ROE) | 3.5468% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.1377% | 3,672 |
| Net charge-offs to loans | 0.0464% | 3,108 |
| Credit loss provision to net charge-offs | 533.3333% | 624 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,879 |
| Efficiency ratio | 81.7572% | 1,229 |
| Assets per employee ($millions) | 4.1000% | 3,786 |
| Cash dividends to net income (ytd only)* | 11.5342% | 3,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 3,144 |
| Loan loss allowance to noncurrent loans | 138.0120% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8582% | 2,203 |
| Noncurrent loans to loans | 0.8673% | 2,365 |
| Net loans and leases to total assets | 73.7274% | 1,892 |
| Net loans and leases to deposits | 83.1047% | 2,532 |
| Net loans and leases to core deposits | 89.9368% | 2,502 |
| Total domestic deposits to total assets | 88.7163% | 1,257 |
| Equity capital to assets | 8.8808% | 4,935 |
| Core capital (leverage) ratio | 9.2491% | 4,409 |
| Tier 1 risk-based capital ratio | 12.9924% | 4,085 |
| Total risk-based capital ratio | 14.2450% | 3,983 |
| Memoranda: | ||
| Average total assets | $266,424,200 | 2,385 |
| Average earning assets | $246,106,600 | 2,388 |
| Average equity | $25,177,400 | 2,703 |
| Average total loans | $187,372,800 | 2,237 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7155% | 4,202 |
| Cost of funding earning assets | 0.2743% | 4,345 |
| Net interest margin | 3.4412% | 3,699 |
| Noninterest income to average assets | 0.3436% | 4,330 |
| Noninterest expense to average assets | 2.8358% | 2,887 |
| Loan and lease loss provision to assets | 0.1759% | 1,280 |
| Net operating income to assets | 0.3482% | 5,171 |
| Return on assets (ROA) | 0.3482% | 5,253 |
| Pretax return on assets | 0.5012% | 5,118 |
| Return on Equity (ROE) | 3.6256% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.2180% | 3,984 |
| Net charge-offs to loans | 0.0588% | 2,512 |
| Credit loss provision to net charge-offs | 432.5000% | 796 |
| Earnings coverage of net charge-offs (x) | 16.6507% | 2,099 |
| Efficiency ratio | 80.7264% | 1,338 |
| Assets per employee ($millions) | 4.1336% | 3,730 |
| Cash dividends to net income (ytd only)* | 11.2404% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 3,211 |
| Loan loss allowance to noncurrent loans | 137.8209% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6969% | 2,824 |
| Noncurrent loans to loans | 0.8738% | 2,508 |
| Net loans and leases to total assets | 71.5670% | 2,250 |
| Net loans and leases to deposits | 79.2974% | 3,052 |
| Net loans and leases to core deposits | 85.6434% | 2,977 |
| Total domestic deposits to total assets | 90.2514% | 384 |
| Equity capital to assets | 9.2709% | 4,895 |
| Core capital (leverage) ratio | 9.3736% | 4,366 |
| Tier 1 risk-based capital ratio | 13.7202% | 3,729 |
| Total risk-based capital ratio | 14.9728% | 3,642 |
| Memoranda: | ||
| Average total assets | $262,304,500 | 2,421 |
| Average earning assets | $241,578,500 | 2,431 |
| Average equity | $25,190,750 | 2,718 |
| Average total loans | $181,440,000 | 2,300 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6454% | 4,462 |
| Cost of funding earning assets | 0.2696% | 4,442 |
| Net interest margin | 3.3758% | 3,978 |
| Noninterest income to average assets | 0.3675% | 4,122 |
| Noninterest expense to average assets | 2.9275% | 2,592 |
| Loan and lease loss provision to assets | 0.3007% | 600 |
| Net operating income to assets | 0.2006% | 5,522 |
| Return on assets (ROA) | 0.2012% | 5,579 |
| Pretax return on assets | 0.2440% | 5,563 |
| Return on Equity (ROE) | 2.0696% | 5,491 |
| Retained earnings to average equity (ytd only) | 1.6621% | 4,718 |
| Net charge-offs to loans | 0.0411% | 2,638 |
| Credit loss provision to net charge-offs | 1,075.0000% | 352 |
| Earnings coverage of net charge-offs (x) | 19.4444% | 1,778 |
| Efficiency ratio | 84.3330% | 1,019 |
| Assets per employee ($millions) | 4.2775% | 3,411 |
| Cash dividends to net income (ytd only)* | 19.6911% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 2,638 |
| Loan loss allowance to noncurrent loans | 134.3179% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.8847% | 2,385 |
| Noncurrent loans to loans | 0.9879% | 2,303 |
| Net loans and leases to total assets | 67.9350% | 2,780 |
| Net loans and leases to deposits | 76.8339% | 3,290 |
| Net loans and leases to core deposits | 85.5758% | 2,940 |
| Total domestic deposits to total assets | 88.4181% | 1,217 |
| Equity capital to assets | 9.2624% | 5,010 |
| Core capital (leverage) ratio | 9.4539% | 4,266 |
| Tier 1 risk-based capital ratio | 14.1040% | 3,544 |
| Total risk-based capital ratio | 15.3583% | 3,454 |
| Memoranda: | ||
| Average total assets | $257,421,670 | 2,473 |
| Average earning assets | $236,683,000 | 2,483 |
| Average equity | $25,029,000 | 2,740 |
| Average total loans | $175,045,670 | 2,362 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6464% | 4,482 |
| Cost of funding earning assets | 0.2669% | 4,532 |
| Net interest margin | 3.3795% | 3,942 |
| Noninterest income to average assets | 0.3466% | 4,253 |
| Noninterest expense to average assets | 2.9625% | 2,507 |
| Loan and lease loss provision to assets | 0.3916% | 358 |
| Net operating income to assets | 0.1204% | 5,652 |
| Return on assets (ROA) | 0.1204% | 5,703 |
| Pretax return on assets | 0.1011% | 5,734 |
| Return on Equity (ROE) | 1.2065% | 5,661 |
| Retained earnings to average equity (ytd only) | 0.7883% | 4,903 |
| Net charge-offs to loans | 0.0143% | 2,657 |
| Credit loss provision to net charge-offs | 4,066.6667% | 100 |
| Earnings coverage of net charge-offs (x) | 51.1667% | 877 |
| Efficiency ratio | 85.7408% | 998 |
| Assets per employee ($millions) | 4.0690% | 3,832 |
| Cash dividends to net income (ytd only)* | 34.6667% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 2,529 |
| Loan loss allowance to noncurrent loans | 123.6665% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 2,242 |
| Noncurrent loans to loans | 1.1138% | 2,171 |
| Net loans and leases to total assets | 65.6578% | 3,000 |
| Net loans and leases to deposits | 74.6177% | 3,356 |
| Net loans and leases to core deposits | 82.5000% | 3,089 |
| Total domestic deposits to total assets | 87.9922% | 1,649 |
| Equity capital to assets | 9.6174% | 4,549 |
| Core capital (leverage) ratio | 10.0885% | 3,433 |
| Tier 1 risk-based capital ratio | 15.0955% | 3,110 |
| Total risk-based capital ratio | 16.3502% | 3,048 |
| Memoranda: | ||
| Average total assets | $249,251,000 | 2,545 |
| Average earning assets | $229,267,500 | 2,557 |
| Average equity | $24,865,000 | 2,755 |
| Average total loans | $168,327,500 | 2,420 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 4,204 |
| Cost of funding earning assets | 0.1842% | 5,410 |
| Net interest margin | 3.5629% | 3,271 |
| Noninterest income to average assets | 0.4564% | 3,618 |
| Noninterest expense to average assets | 3.2682% | 1,793 |
| Loan and lease loss provision to assets | 0.2090% | 1,005 |
| Net operating income to assets | 0.1717% | 5,639 |
| Return on assets (ROA) | 0.1800% | 5,671 |
| Pretax return on assets | 0.2139% | 5,669 |
| Return on Equity (ROE) | 1.5338% | 5,678 |
| Retained earnings to average equity (ytd only) | 1.1064% | 5,075 |
| Net charge-offs to loans | -0.1054% | 5,792 |
| Credit loss provision to net charge-offs | -301.4184% | 5,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7776% | 774 |
| Assets per employee ($millions) | 3.9031% | 4,114 |
| Cash dividends to net income (ytd only)* | 27.8689% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 2,808 |
| Loan loss allowance to noncurrent loans | 133.6234% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.9576% | 2,275 |
| Noncurrent loans to loans | 0.9854% | 2,367 |
| Net loans and leases to total assets | 67.6788% | 2,757 |
| Net loans and leases to deposits | 79.3941% | 2,897 |
| Net loans and leases to core deposits | 85.1372% | 2,868 |
| Total domestic deposits to total assets | 85.2441% | 2,974 |
| Equity capital to assets | 10.3680% | 3,542 |
| Core capital (leverage) ratio | 10.8719% | 2,531 |
| Tier 1 risk-based capital ratio | 16.0208% | 2,677 |
| Total risk-based capital ratio | 17.2746% | 2,619 |
| Memoranda: | ||
| Average total assets | $203,322,200 | 2,911 |
| Average earning assets | $184,037,400 | 2,958 |
| Average equity | $23,861,600 | 2,797 |
| Average total loans | $133,745,800 | 2,826 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7559% | 4,238 |
| Cost of funding earning assets | 0.1659% | 5,661 |
| Net interest margin | 3.5900% | 3,201 |
| Noninterest income to average assets | 0.4788% | 3,509 |
| Noninterest expense to average assets | 3.0683% | 2,309 |
| Loan and lease loss provision to assets | 0.1308% | 1,713 |
| Net operating income to assets | 0.3692% | 5,265 |
| Return on assets (ROA) | 0.3672% | 5,350 |
| Pretax return on assets | 0.5076% | 5,200 |
| Return on Equity (ROE) | 3.0210% | 5,380 |
| Retained earnings to average equity (ytd only) | 2.5927% | 4,570 |
| Net charge-offs to loans | -0.1604% | 5,938 |
| Credit loss provision to net charge-offs | -125.6579% | 5,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7147% | 1,305 |
| Assets per employee ($millions) | 3.4152% | 4,956 |
| Cash dividends to net income (ytd only)* | 14.1790% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 2,878 |
| Loan loss allowance to noncurrent loans | 117.4284% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 2,213 |
| Noncurrent loans to loans | 1.1464% | 2,218 |
| Net loans and leases to total assets | 65.6346% | 3,071 |
| Net loans and leases to deposits | 78.5461% | 3,044 |
| Net loans and leases to core deposits | 83.6540% | 3,083 |
| Total domestic deposits to total assets | 83.5618% | 3,585 |
| Equity capital to assets | 11.6775% | 2,365 |
| Core capital (leverage) ratio | 11.8213% | 1,799 |
| Tier 1 risk-based capital ratio | 18.5294% | 1,887 |
| Total risk-based capital ratio | 19.7836% | 1,853 |
| Memoranda: | ||
| Average total assets | $194,630,750 | 3,022 |
| Average earning assets | $175,149,500 | 3,074 |
| Average equity | $23,655,750 | 2,837 |
| Average total loans | $126,361,000 | 2,971 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7275% | 4,325 |
| Cost of funding earning assets | 0.1493% | 5,849 |
| Net interest margin | 3.5782% | 3,171 |
| Noninterest income to average assets | 0.5272% | 3,187 |
| Noninterest expense to average assets | 3.1323% | 2,162 |
| Loan and lease loss provision to assets | 0.0948% | 2,233 |
| Net operating income to assets | 0.3780% | 5,210 |
| Return on assets (ROA) | 0.3749% | 5,330 |
| Pretax return on assets | 0.5123% | 5,189 |
| Return on Equity (ROE) | 3.0389% | 5,389 |
| Retained earnings to average equity (ytd only) | 2.6073% | 4,403 |
| Net charge-offs to loans | -0.3196% | 6,135 |
| Credit loss provision to net charge-offs | -46.1140% | 4,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6700% | 1,300 |
| Assets per employee ($millions) | 3.5605% | 4,698 |
| Cash dividends to net income (ytd only)* | 14.2045% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 2,533 |
| Loan loss allowance to noncurrent loans | 107.6746% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 2,145 |
| Noncurrent loans to loans | 1.3426% | 2,004 |
| Net loans and leases to total assets | 62.6813% | 3,452 |
| Net loans and leases to deposits | 75.2487% | 3,353 |
| Net loans and leases to core deposits | 77.3799% | 3,631 |
| Total domestic deposits to total assets | 83.2988% | 3,832 |
| Equity capital to assets | 12.1957% | 1,880 |
| Core capital (leverage) ratio | 13.0049% | 1,165 |
| Tier 1 risk-based capital ratio | 20.5317% | 1,447 |
| Total risk-based capital ratio | 20.9765% | 1,575 |
| Memoranda: | ||
| Average total assets | $187,788,330 | 3,131 |
| Average earning assets | $168,798,670 | 3,179 |
| Average equity | $23,166,000 | 2,902 |
| Average total loans | $120,766,330 | 3,073 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 4,119 |
| Cost of funding earning assets | 0.1447% | 5,967 |
| Net interest margin | 3.6289% | 2,897 |
| Noninterest income to average assets | 0.5372% | 3,041 |
| Noninterest expense to average assets | 3.4094% | 1,472 |
| Loan and lease loss provision to assets | -0.2153% | 6,276 |
| Net operating income to assets | 0.4462% | 4,892 |
| Return on assets (ROA) | 0.4462% | 5,005 |
| Pretax return on assets | 0.6282% | 4,840 |
| Return on Equity (ROE) | 3.5935% | 5,144 |
| Retained earnings to average equity (ytd only) | 3.1466% | 4,095 |
| Net charge-offs to loans | -0.6758% | 6,282 |
| Credit loss provision to net charge-offs | 49.2386% | 2,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1986% | 921 |
| Assets per employee ($millions) | 3.4274% | 5,036 |
| Cash dividends to net income (ytd only)* | 12.4378% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 2,987 |
| Loan loss allowance to noncurrent loans | 143.8087% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.9953% | 2,636 |
| Noncurrent loans to loans | 0.9634% | 2,847 |
| Net loans and leases to total assets | 64.7622% | 2,983 |
| Net loans and leases to deposits | 75.1553% | 3,154 |
| Net loans and leases to core deposits | 77.2772% | 3,451 |
| Total domestic deposits to total assets | 86.1712% | 2,848 |
| Equity capital to assets | 12.8946% | 1,453 |
| Core capital (leverage) ratio | 13.1658% | 1,105 |
| Tier 1 risk-based capital ratio | 21.1682% | 1,386 |
| Total risk-based capital ratio | 22.4234% | 1,362 |
| Memoranda: | ||
| Average total assets | $180,208,000 | 3,229 |
| Average earning assets | $163,134,500 | 3,277 |
| Average equity | $22,373,500 | 2,985 |
| Average total loans | $116,611,000 | 3,152 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6907% | 4,803 |
| Cost of funding earning assets | 0.1182% | 6,255 |
| Net interest margin | 3.5726% | 3,508 |
| Noninterest income to average assets | 0.5417% | 3,222 |
| Noninterest expense to average assets | 3.4995% | 1,482 |
| Loan and lease loss provision to assets | -0.1326% | 6,204 |
| Net operating income to assets | 0.3074% | 5,500 |
| Return on assets (ROA) | 0.3028% | 5,582 |
| Pretax return on assets | 0.4008% | 5,488 |
| Return on Equity (ROE) | 2.7603% | 5,555 |
| Retained earnings to average equity (ytd only) | 2.4064% | 4,522 |
| Net charge-offs to loans | -0.0350% | 5,832 |
| Credit loss provision to net charge-offs | 634.2857% | 419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7350% | 664 |
| Assets per employee ($millions) | 3.0233% | 5,667 |
| Cash dividends to net income (ytd only)* | 12.8205% | 4,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 2,860 |
| Loan loss allowance to noncurrent loans | 88.0489% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.1491% | 2,466 |
| Noncurrent loans to loans | 1.6109% | 1,821 |
| Net loans and leases to total assets | 62.7856% | 3,395 |
| Net loans and leases to deposits | 72.8337% | 3,578 |
| Net loans and leases to core deposits | 73.7460% | 3,942 |
| Total domestic deposits to total assets | 86.2041% | 2,720 |
| Equity capital to assets | 11.9145% | 2,075 |
| Core capital (leverage) ratio | 12.1657% | 1,522 |
| Tier 1 risk-based capital ratio | 20.5145% | 1,507 |
| Total risk-based capital ratio | 21.7700% | 1,478 |
| Memoranda: | ||
| Average total assets | $167,422,600 | 3,372 |
| Average earning assets | $151,460,400 | 3,420 |
| Average equity | $18,367,400 | 3,363 |
| Average total loans | $100,115,400 | 3,418 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6469% | 5,015 |
| Cost of funding earning assets | 0.1164% | 6,354 |
| Net interest margin | 3.5305% | 3,712 |
| Noninterest income to average assets | 0.5867% | 2,953 |
| Noninterest expense to average assets | 3.3985% | 1,674 |
| Loan and lease loss provision to assets | -0.1596% | 6,356 |
| Net operating income to assets | 0.3839% | 5,306 |
| Return on assets (ROA) | 0.3941% | 5,349 |
| Pretax return on assets | 0.5649% | 5,142 |
| Return on Equity (ROE) | 3.6760% | 5,287 |
| Retained earnings to average equity (ytd only) | 3.3527% | 4,228 |
| Net charge-offs to loans | 0.0027% | 4,611 |
| Credit loss provision to net charge-offs | -9,900.0000% | 6,072 |
| Earnings coverage of net charge-offs (x) | 242.1910% | 274 |
| Efficiency ratio | 89.6852% | 865 |
| Assets per employee ($millions) | 2.9478% | 5,786 |
| Cash dividends to net income (ytd only)* | 8.7932% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 2,874 |
| Loan loss allowance to noncurrent loans | 94.6386% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.1385% | 2,676 |
| Noncurrent loans to loans | 1.5487% | 2,096 |
| Net loans and leases to total assets | 62.8569% | 3,363 |
| Net loans and leases to deposits | 71.0530% | 3,785 |
| Net loans and leases to core deposits | 72.2136% | 4,134 |
| Total domestic deposits to total assets | 88.4649% | 1,521 |
| Equity capital to assets | 10.7852% | 3,198 |
| Core capital (leverage) ratio | 10.9877% | 2,500 |
| Tier 1 risk-based capital ratio | 18.4726% | 2,062 |
| Total risk-based capital ratio | 19.7286% | 2,020 |
| Memoranda: | ||
| Average total assets | $165,441,000 | 3,430 |
| Average earning assets | $150,079,750 | 3,468 |
| Average equity | $17,736,250 | 3,448 |
| Average total loans | $97,224,750 | 3,508 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6128% | 5,111 |
| Cost of funding earning assets | 0.1154% | 6,429 |
| Net interest margin | 3.4975% | 3,798 |
| Noninterest income to average assets | 0.5736% | 2,972 |
| Noninterest expense to average assets | 3.3990% | 1,681 |
| Loan and lease loss provision to assets | -0.2054% | 6,479 |
| Net operating income to assets | 0.4302% | 5,097 |
| Return on assets (ROA) | 0.4302% | 5,184 |
| Pretax return on assets | 0.5481% | 5,139 |
| Return on Equity (ROE) | 4.0210% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.7484% | 3,806 |
| Net charge-offs to loans | 0.0106% | 4,044 |
| Credit loss provision to net charge-offs | -3,380.0000% | 5,880 |
| Earnings coverage of net charge-offs (x) | 56.4000% | 843 |
| Efficiency ratio | 90.8412% | 845 |
| Assets per employee ($millions) | 3.0755% | 5,636 |
| Cash dividends to net income (ytd only)* | 6.7797% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 2,470 |
| Loan loss allowance to noncurrent loans | 94.8901% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.1445% | 2,788 |
| Noncurrent loans to loans | 1.6831% | 2,063 |
| Net loans and leases to total assets | 58.1699% | 3,968 |
| Net loans and leases to deposits | 65.5648% | 4,313 |
| Net loans and leases to core deposits | 66.4970% | 4,592 |
| Total domestic deposits to total assets | 88.7213% | 1,519 |
| Equity capital to assets | 10.6686% | 3,228 |
| Core capital (leverage) ratio | 10.9011% | 2,527 |
| Tier 1 risk-based capital ratio | 19.2215% | 1,870 |
| Total risk-based capital ratio | 20.4787% | 1,831 |
| Memoranda: | ||
| Average total assets | $164,579,330 | 3,472 |
| Average earning assets | $149,079,670 | 3,500 |
| Average equity | $17,607,670 | 3,462 |
| Average total loans | $93,904,000 | 3,594 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6255% | 5,084 |
| Cost of funding earning assets | 0.1200% | 6,498 |
| Net interest margin | 3.5055% | 3,666 |
| Noninterest income to average assets | 0.5915% | 2,787 |
| Noninterest expense to average assets | 3.5269% | 1,438 |
| Loan and lease loss provision to assets | -0.6457% | 6,684 |
| Net operating income to assets | 0.6729% | 3,833 |
| Return on assets (ROA) | 0.6729% | 3,913 |
| Pretax return on assets | 0.8774% | 3,798 |
| Return on Equity (ROE) | 6.2800% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.0040% | 2,541 |
| Net charge-offs to loans | 0.0132% | 3,342 |
| Credit loss provision to net charge-offs | -8,733.3333% | 5,640 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 1,021 |
| Efficiency ratio | 93.8361% | 759 |
| Assets per employee ($millions) | 3.3543% | 5,246 |
| Cash dividends to net income (ytd only)* | 4.3956% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 2,596 |
| Loan loss allowance to noncurrent loans | 87.6601% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.1992% | 2,857 |
| Noncurrent loans to loans | 1.8533% | 2,059 |
| Net loans and leases to total assets | 55.4833% | 4,210 |
| Net loans and leases to deposits | 62.6281% | 4,475 |
| Net loans and leases to core deposits | 63.5445% | 4,731 |
| Total domestic deposits to total assets | 88.5917% | 1,896 |
| Equity capital to assets | 10.7360% | 2,998 |
| Core capital (leverage) ratio | 11.2756% | 2,160 |
| Tier 1 risk-based capital ratio | 20.2980% | 1,650 |
| Total risk-based capital ratio | 21.5560% | 1,613 |
| Memoranda: | ||
| Average total assets | $162,293,500 | 3,526 |
| Average earning assets | $146,628,500 | 3,576 |
| Average equity | $17,388,500 | 3,496 |
| Average total loans | $90,860,000 | 3,684 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5055% | 5,628 |
| Cost of funding earning assets | 0.1236% | 6,627 |
| Net interest margin | 3.3819% | 4,355 |
| Noninterest income to average assets | 0.5482% | 3,415 |
| Noninterest expense to average assets | 3.1693% | 2,516 |
| Loan and lease loss provision to assets | 0.2732% | 1,289 |
| Net operating income to assets | 0.0936% | 6,058 |
| Return on assets (ROA) | 0.1028% | 6,092 |
| Pretax return on assets | 0.1589% | 6,005 |
| Return on Equity (ROE) | 0.9083% | 6,099 |
| Retained earnings to average equity (ytd only) | 0.6375% | 5,547 |
| Net charge-offs to loans | 0.3118% | 2,127 |
| Credit loss provision to net charge-offs | 178.3333% | 1,287 |
| Earnings coverage of net charge-offs (x) | 2.7292% | 4,089 |
| Efficiency ratio | 88.3473% | 1,177 |
| Assets per employee ($millions) | 3.2699% | 5,342 |
| Cash dividends to net income (ytd only)* | 29.8137% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0243% | 1,500 |
| Loan loss allowance to noncurrent loans | 96.5702% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.3225% | 2,771 |
| Noncurrent loans to loans | 2.0962% | 1,891 |
| Net loans and leases to total assets | 54.4350% | 4,530 |
| Net loans and leases to deposits | 61.3352% | 4,791 |
| Net loans and leases to core deposits | 62.0212% | 5,051 |
| Total domestic deposits to total assets | 88.7501% | 1,777 |
| Equity capital to assets | 10.6919% | 2,942 |
| Core capital (leverage) ratio | 11.2741% | 2,139 |
| Tier 1 risk-based capital ratio | 20.8994% | 1,440 |
| Total risk-based capital ratio | 22.1622% | 1,419 |
| Memoranda: | ||
| Average total assets | $156,690,400 | 3,611 |
| Average earning assets | $140,808,800 | 3,654 |
| Average equity | $17,726,200 | 3,463 |
| Average total loans | $76,980,800 | 4,026 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 5,770 |
| Cost of funding earning assets | 0.1219% | 6,719 |
| Net interest margin | 3.3377% | 4,504 |
| Noninterest income to average assets | 0.5425% | 3,505 |
| Noninterest expense to average assets | 3.1782% | 2,425 |
| Loan and lease loss provision to assets | 0.2148% | 1,697 |
| Net operating income to assets | 0.0910% | 6,154 |
| Return on assets (ROA) | 0.0916% | 6,208 |
| Pretax return on assets | 0.1506% | 6,133 |
| Return on Equity (ROE) | 0.7981% | 6,214 |
| Retained earnings to average equity (ytd only) | 0.5296% | 5,756 |
| Net charge-offs to loans | 0.0883% | 3,688 |
| Credit loss provision to net charge-offs | 512.2449% | 542 |
| Earnings coverage of net charge-offs (x) | 8.6942% | 2,589 |
| Efficiency ratio | 89.7101% | 1,023 |
| Assets per employee ($millions) | 3.0640% | 5,748 |
| Cash dividends to net income (ytd only)* | 33.6464% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1947% | 1,335 |
| Loan loss allowance to noncurrent loans | 83.9963% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.5455% | 2,614 |
| Noncurrent loans to loans | 2.6128% | 1,626 |
| Net loans and leases to total assets | 51.7906% | 4,894 |
| Net loans and leases to deposits | 58.6755% | 5,115 |
| Net loans and leases to core deposits | 59.2425% | 5,355 |
| Total domestic deposits to total assets | 88.2660% | 1,955 |
| Equity capital to assets | 11.1107% | 2,655 |
| Core capital (leverage) ratio | 11.4564% | 2,079 |
| Tier 1 risk-based capital ratio | 22.4658% | 1,231 |
| Total risk-based capital ratio | 23.7312% | 1,209 |
| Memoranda: | ||
| Average total assets | $155,807,000 | 3,654 |
| Average earning assets | $140,054,250 | 3,697 |
| Average equity | $17,875,000 | 3,479 |
| Average total loans | $73,971,000 | 4,155 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4575% | 5,775 |
| Cost of funding earning assets | 0.1178% | 6,786 |
| Net interest margin | 3.3397% | 4,420 |
| Noninterest income to average assets | 0.5307% | 3,629 |
| Noninterest expense to average assets | 3.1968% | 2,361 |
| Loan and lease loss provision to assets | 0.2236% | 1,694 |
| Net operating income to assets | 0.0360% | 6,257 |
| Return on assets (ROA) | 0.0360% | 6,334 |
| Pretax return on assets | 0.0977% | 6,234 |
| Return on Equity (ROE) | 0.3103% | 6,339 |
| Retained earnings to average equity (ytd only) | 0.0443% | 5,833 |
| Net charge-offs to loans | 0.0450% | 4,046 |
| Credit loss provision to net charge-offs | 1,087.5000% | 283 |
| Earnings coverage of net charge-offs (x) | 15.6250% | 1,724 |
| Efficiency ratio | 90.8692% | 990 |
| Assets per employee ($millions) | 3.2951% | 5,278 |
| Cash dividends to net income (ytd only)* | 85.7143% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2550% | 1,328 |
| Loan loss allowance to noncurrent loans | 101.8976% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.3593% | 3,064 |
| Noncurrent loans to loans | 2.2130% | 2,159 |
| Net loans and leases to total assets | 48.5635% | 5,274 |
| Net loans and leases to deposits | 54.8917% | 5,446 |
| Net loans and leases to core deposits | 55.4129% | 5,644 |
| Total domestic deposits to total assets | 88.4715% | 1,934 |
| Equity capital to assets | 10.9823% | 2,772 |
| Core capital (leverage) ratio | 11.4705% | 1,956 |
| Tier 1 risk-based capital ratio | 23.6915% | 1,033 |
| Total risk-based capital ratio | 24.9573% | 1,015 |
| Memoranda: | ||
| Average total assets | $155,654,670 | 3,678 |
| Average earning assets | $139,234,330 | 3,736 |
| Average equity | $18,046,000 | 3,474 |
| Average total loans | $71,046,000 | 4,274 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4144% | 5,913 |
| Cost of funding earning assets | 0.1157% | 6,874 |
| Net interest margin | 3.2986% | 4,523 |
| Noninterest income to average assets | 0.5725% | 3,289 |
| Noninterest expense to average assets | 3.2720% | 2,157 |
| Loan and lease loss provision to assets | -0.6943% | 6,981 |
| Net operating income to assets | 0.6995% | 3,688 |
| Return on assets (ROA) | 0.6995% | 3,832 |
| Pretax return on assets | 0.9482% | 3,576 |
| Return on Equity (ROE) | 5.8747% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.6136% | 2,891 |
| Net charge-offs to loans | 0.0119% | 3,905 |
| Credit loss provision to net charge-offs | -13,400.0000% | 5,947 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 683 |
| Efficiency ratio | 92.7994% | 919 |
| Assets per employee ($millions) | 3.6372% | 4,709 |
| Cash dividends to net income (ytd only)* | 4.4444% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9504% | 2,173 |
| Loan loss allowance to noncurrent loans | 82.6060% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.4322% | 3,114 |
| Noncurrent loans to loans | 2.3611% | 2,209 |
| Net loans and leases to total assets | 43.2000% | 5,741 |
| Net loans and leases to deposits | 49.2837% | 5,835 |
| Net loans and leases to core deposits | 49.7603% | 5,985 |
| Total domestic deposits to total assets | 87.6559% | 2,540 |
| Equity capital to assets | 11.8013% | 2,173 |
| Core capital (leverage) ratio | 12.0031% | 1,562 |
| Tier 1 risk-based capital ratio | 26.5830% | 737 |
| Total risk-based capital ratio | 27.8441% | 727 |
| Memoranda: | ||
| Average total assets | $154,400,000 | 3,736 |
| Average earning assets | $138,238,500 | 3,788 |
| Average equity | $18,384,000 | 3,473 |
| Average total loans | $67,278,000 | 4,446 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 5,662 |
| Cost of funding earning assets | 0.1365% | 6,950 |
| Net interest margin | 3.7349% | 3,505 |
| Noninterest income to average assets | 0.4768% | 4,055 |
| Noninterest expense to average assets | 3.3520% | 2,186 |
| Loan and lease loss provision to assets | 0.0750% | 4,786 |
| Net operating income to assets | 0.2399% | 5,663 |
| Return on assets (ROA) | 0.2404% | 5,863 |
| Pretax return on assets | 0.3489% | 5,719 |
| Return on Equity (ROE) | 1.9475% | 5,919 |
| Retained earnings to average equity (ytd only) | -0.1356% | 5,876 |
| Net charge-offs to loans | 1.1015% | 956 |
| Credit loss provision to net charge-offs | 15.3425% | 5,342 |
| Earnings coverage of net charge-offs (x) | 0.8658% | 5,041 |
| Efficiency ratio | 88.7904% | 1,167 |
| Assets per employee ($millions) | 3.6286% | 4,711 |
| Cash dividends to net income (ytd only)* | 106.9638% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4586% | 1,174 |
| Loan loss allowance to noncurrent loans | 84.9027% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.6496% | 2,921 |
| Noncurrent loans to loans | 2.8957% | 1,807 |
| Net loans and leases to total assets | 42.0165% | 6,005 |
| Net loans and leases to deposits | 48.0281% | 6,109 |
| Net loans and leases to core deposits | 48.0281% | 6,269 |
| Total domestic deposits to total assets | 87.4831% | 2,538 |
| Equity capital to assets | 12.0149% | 2,038 |
| Core capital (leverage) ratio | 11.9888% | 1,569 |
| Tier 1 risk-based capital ratio | 27.0317% | 689 |
| Total risk-based capital ratio | 28.2965% | 678 |
| Memoranda: | ||
| Average total assets | $149,343,400 | 3,787 |
| Average earning assets | $131,891,600 | 3,853 |
| Average equity | $18,434,000 | 3,418 |
| Average total loans | $66,274,800 | 4,491 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9666% | 5,612 |
| Cost of funding earning assets | 0.1416% | 7,055 |
| Net interest margin | 3.8250% | 3,227 |
| Noninterest income to average assets | 0.4971% | 3,951 |
| Noninterest expense to average assets | 3.2942% | 2,290 |
| Loan and lease loss provision to assets | -0.0458% | 6,992 |
| Net operating income to assets | 0.3904% | 5,289 |
| Return on assets (ROA) | 0.3904% | 5,502 |
| Pretax return on assets | 0.6183% | 5,112 |
| Return on Equity (ROE) | 3.1411% | 5,632 |
| Retained earnings to average equity (ytd only) | 1.0615% | 5,746 |
| Net charge-offs to loans | 0.9594% | 1,117 |
| Credit loss provision to net charge-offs | -10.6695% | 6,099 |
| Earnings coverage of net charge-offs (x) | 1.3347% | 4,631 |
| Efficiency ratio | 85.1938% | 1,459 |
| Assets per employee ($millions) | 4.0076% | 3,857 |
| Cash dividends to net income (ytd only)* | 66.2063% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6490% | 1,035 |
| Loan loss allowance to noncurrent loans | 66.0590% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 2.2410% | 2,379 |
| Noncurrent loans to loans | 4.0101% | 1,274 |
| Net loans and leases to total assets | 42.2073% | 6,112 |
| Net loans and leases to deposits | 48.5765% | 6,227 |
| Net loans and leases to core deposits | 48.5765% | 6,377 |
| Total domestic deposits to total assets | 86.8883% | 2,744 |
| Equity capital to assets | 12.6052% | 1,821 |
| Core capital (leverage) ratio | 12.3586% | 1,465 |
| Tier 1 risk-based capital ratio | 27.8074% | 673 |
| Total risk-based capital ratio | 29.0758% | 658 |
| Memoranda: | ||
| Average total assets | $148,578,750 | 3,842 |
| Average earning assets | $130,888,250 | 3,918 |
| Average equity | $18,464,750 | 3,437 |
| Average total loans | $66,431,500 | 4,532 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 5,349 |
| Cost of funding earning assets | 0.1476% | 7,122 |
| Net interest margin | 3.9437% | 2,735 |
| Noninterest income to average assets | 0.4574% | 4,235 |
| Noninterest expense to average assets | 3.4504% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2771% | 5,681 |
| Return on assets (ROA) | 0.2771% | 5,879 |
| Pretax return on assets | 0.4574% | 5,556 |
| Return on Equity (ROE) | 2.2404% | 5,969 |
| Retained earnings to average equity (ytd only) | 0.1523% | 5,993 |
| Net charge-offs to loans | 1.3761% | 745 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.7359% | 4,685 |
| Efficiency ratio | 88.2960% | 1,211 |
| Assets per employee ($millions) | 4.4492% | 3,005 |
| Cash dividends to net income (ytd only)* | 93.2039% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7181% | 1,014 |
| Loan loss allowance to noncurrent loans | 96.5630% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.7042% | 3,165 |
| Noncurrent loans to loans | 2.8148% | 2,128 |
| Net loans and leases to total assets | 41.8779% | 6,196 |
| Net loans and leases to deposits | 47.9586% | 6,313 |
| Net loans and leases to core deposits | 47.9586% | 6,461 |
| Total domestic deposits to total assets | 87.3209% | 2,583 |
| Equity capital to assets | 12.1826% | 2,016 |
| Core capital (leverage) ratio | 12.2133% | 1,494 |
| Tier 1 risk-based capital ratio | 27.5229% | 683 |
| Total risk-based capital ratio | 28.7921% | 670 |
| Memoranda: | ||
| Average total assets | $148,678,330 | 3,864 |
| Average earning assets | $130,081,330 | 3,959 |
| Average equity | $18,389,330 | 3,444 |
| Average total loans | $67,146,000 | 4,521 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1395% | 5,320 |
| Cost of funding earning assets | 0.1459% | 7,201 |
| Net interest margin | 3.9936% | 2,535 |
| Noninterest income to average assets | 0.4044% | 4,635 |
| Noninterest expense to average assets | 2.7059% | 4,401 |
| Loan and lease loss provision to assets | -0.0733% | 7,165 |
| Net operating income to assets | 0.6188% | 4,269 |
| Return on assets (ROA) | 0.6188% | 4,476 |
| Pretax return on assets | 1.3380% | 2,397 |
| Return on Equity (ROE) | 4.9648% | 4,801 |
| Retained earnings to average equity (ytd only) | 2.8743% | 4,811 |
| Net charge-offs to loans | 1.4848% | 675 |
| Credit loss provision to net charge-offs | -10.6719% | 5,352 |
| Earnings coverage of net charge-offs (x) | 1.8419% | 3,417 |
| Efficiency ratio | 68.1476% | 4,143 |
| Assets per employee ($millions) | 4.3782% | 3,239 |
| Cash dividends to net income (ytd only)* | 42.1053% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8863% | 922 |
| Loan loss allowance to noncurrent loans | 70.6990% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.3552% | 2,527 |
| Noncurrent loans to loans | 4.0824% | 1,487 |
| Net loans and leases to total assets | 44.1216% | 5,997 |
| Net loans and leases to deposits | 50.3963% | 6,106 |
| Net loans and leases to core deposits | 50.3963% | 6,315 |
| Total domestic deposits to total assets | 87.5493% | 2,620 |
| Equity capital to assets | 12.3029% | 1,848 |
| Core capital (leverage) ratio | 12.5944% | 1,299 |
| Tier 1 risk-based capital ratio | 28.6829% | 591 |
| Total risk-based capital ratio | 29.9560% | 580 |
| Memoranda: | ||
| Average total assets | $147,381,000 | 3,917 |
| Average earning assets | $131,609,500 | 3,949 |
| Average equity | $18,369,500 | 3,444 |
| Average total loans | $68,159,000 | 4,518 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 5,621 |
| Cost of funding earning assets | 0.2153% | 7,223 |
| Net interest margin | 4.1276% | 2,318 |
| Noninterest income to average assets | 0.4217% | 4,432 |
| Noninterest expense to average assets | 2.6142% | 5,041 |
| Loan and lease loss provision to assets | 0.1221% | 5,078 |
| Net operating income to assets | 0.8691% | 2,737 |
| Return on assets (ROA) | 0.8642% | 2,902 |
| Pretax return on assets | 1.4143% | 1,737 |
| Return on Equity (ROE) | 7.0098% | 3,404 |
| Retained earnings to average equity (ytd only) | 4.8495% | 2,753 |
| Net charge-offs to loans | 0.2934% | 3,941 |
| Credit loss provision to net charge-offs | 85.0242% | 4,241 |
| Earnings coverage of net charge-offs (x) | 10.7536% | 1,800 |
| Efficiency ratio | 62.8691% | 5,322 |
| Assets per employee ($millions) | 4.2913% | 3,274 |
| Cash dividends to net income (ytd only)* | 30.8186% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2495% | 649 |
| Loan loss allowance to noncurrent loans | 71.4012% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 2.6326% | 2,312 |
| Noncurrent loans to loans | 4.5511% | 1,308 |
| Net loans and leases to total assets | 45.5474% | 6,049 |
| Net loans and leases to deposits | 52.2121% | 6,190 |
| Net loans and leases to core deposits | 52.3478% | 6,410 |
| Total domestic deposits to total assets | 87.2354% | 2,620 |
| Equity capital to assets | 12.6283% | 1,724 |
| Core capital (leverage) ratio | 12.8032% | 1,217 |
| Tier 1 risk-based capital ratio | 28.3916% | 596 |
| Total risk-based capital ratio | 29.6705% | 582 |
| Memoranda: | ||
| Average total assets | $144,174,000 | 3,907 |
| Average earning assets | $130,510,600 | 3,921 |
| Average equity | $17,775,200 | 3,453 |
| Average total loans | $70,553,800 | 4,470 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 5,579 |
| Cost of funding earning assets | 0.2383% | 7,287 |
| Net interest margin | 4.1708% | 2,206 |
| Noninterest income to average assets | 0.5259% | 3,689 |
| Noninterest expense to average assets | 2.4553% | 5,606 |
| Loan and lease loss provision to assets | 0.2263% | 3,750 |
| Net operating income to assets | 0.9350% | 2,593 |
| Return on assets (ROA) | 0.9285% | 2,779 |
| Pretax return on assets | 1.6167% | 1,342 |
| Return on Equity (ROE) | 7.5776% | 3,238 |
| Retained earnings to average equity (ytd only) | 5.3975% | 2,912 |
| Net charge-offs to loans | 0.3811% | 3,208 |
| Credit loss provision to net charge-offs | 120.1970% | 2,703 |
| Earnings coverage of net charge-offs (x) | 9.8423% | 1,999 |
| Efficiency ratio | 56.9860% | 6,147 |
| Assets per employee ($millions) | 4.1418% | 3,559 |
| Cash dividends to net income (ytd only)* | 28.7713% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3112% | 654 |
| Loan loss allowance to noncurrent loans | 102.9491% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.9727% | 3,175 |
| Noncurrent loans to loans | 3.2164% | 2,160 |
| Net loans and leases to total assets | 47.7745% | 5,982 |
| Net loans and leases to deposits | 55.0044% | 6,122 |
| Net loans and leases to core deposits | 55.0044% | 6,388 |
| Total domestic deposits to total assets | 86.8557% | 2,741 |
| Equity capital to assets | 12.9944% | 1,617 |
| Core capital (leverage) ratio | 12.8032% | 1,298 |
| Tier 1 risk-based capital ratio | 28.4793% | 623 |
| Total risk-based capital ratio | 29.7601% | 612 |
| Memoranda: | ||
| Average total assets | $143,741,750 | 3,928 |
| Average earning assets | $130,363,250 | 3,950 |
| Average equity | $17,612,750 | 3,484 |
| Average total loans | $71,020,500 | 4,492 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 5,544 |
| Cost of funding earning assets | 0.2576% | 7,354 |
| Net interest margin | 4.1857% | 2,094 |
| Noninterest income to average assets | 0.5542% | 3,444 |
| Noninterest expense to average assets | 2.4517% | 5,700 |
| Loan and lease loss provision to assets | 0.0843% | 5,261 |
| Net operating income to assets | 1.0112% | 2,181 |
| Return on assets (ROA) | 1.0006% | 2,328 |
| Pretax return on assets | 1.7966% | 885 |
| Return on Equity (ROE) | 8.3295% | 2,793 |
| Retained earnings to average equity (ytd only) | 6.1206% | 2,348 |
| Net charge-offs to loans | 0.5678% | 2,407 |
| Credit loss provision to net charge-offs | 30.0493% | 4,987 |
| Earnings coverage of net charge-offs (x) | 6.7635% | 2,337 |
| Efficiency ratio | 56.3711% | 6,383 |
| Assets per employee ($millions) | 4.2366% | 3,283 |
| Cash dividends to net income (ytd only)* | 26.5193% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0046% | 896 |
| Loan loss allowance to noncurrent loans | 89.0802% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 2.0279% | 3,196 |
| Noncurrent loans to loans | 3.3730% | 2,109 |
| Net loans and leases to total assets | 47.5341% | 6,106 |
| Net loans and leases to deposits | 54.3270% | 6,287 |
| Net loans and leases to core deposits | 54.3270% | 6,540 |
| Total domestic deposits to total assets | 87.4962% | 2,470 |
| Equity capital to assets | 12.3900% | 1,851 |
| Core capital (leverage) ratio | 12.5552% | 1,332 |
| Tier 1 risk-based capital ratio | 27.8007% | 674 |
| Total risk-based capital ratio | 29.0778% | 657 |
| Memoranda: | ||
| Average total assets | $144,715,000 | 3,941 |
| Average earning assets | $131,209,330 | 3,955 |
| Average equity | $17,384,000 | 3,513 |
| Average total loans | $71,500,330 | 4,519 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 5,541 |
| Cost of funding earning assets | 0.2791% | 7,409 |
| Net interest margin | 4.1648% | 2,014 |
| Noninterest income to average assets | 0.5874% | 3,253 |
| Noninterest expense to average assets | 2.3413% | 6,077 |
| Loan and lease loss provision to assets | 0.1103% | 4,634 |
| Net operating income to assets | 0.8552% | 2,752 |
| Return on assets (ROA) | 0.8411% | 2,879 |
| Pretax return on assets | 1.9000% | 682 |
| Return on Equity (ROE) | 7.1127% | 3,324 |
| Retained earnings to average equity (ytd only) | 4.8739% | 3,268 |
| Net charge-offs to loans | 0.8339% | 1,576 |
| Credit loss provision to net charge-offs | 26.6667% | 4,173 |
| Earnings coverage of net charge-offs (x) | 4.9133% | 2,373 |
| Efficiency ratio | 53.5309% | 6,738 |
| Assets per employee ($millions) | 4.3017% | 3,243 |
| Cash dividends to net income (ytd only)* | 31.4754% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0196% | 905 |
| Loan loss allowance to noncurrent loans | 130.6432% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 1.4960% | 4,009 |
| Noncurrent loans to loans | 2.3113% | 3,177 |
| Net loans and leases to total assets | 47.2788% | 6,163 |
| Net loans and leases to deposits | 53.6567% | 6,327 |
| Net loans and leases to core deposits | 54.8275% | 6,501 |
| Total domestic deposits to total assets | 88.1135% | 2,307 |
| Equity capital to assets | 11.7347% | 2,094 |
| Core capital (leverage) ratio | 12.1619% | 1,472 |
| Tier 1 risk-based capital ratio | 26.9548% | 714 |
| Total risk-based capital ratio | 28.2314% | 691 |
| Memoranda: | ||
| Average total assets | $145,050,500 | 3,976 |
| Average earning assets | $131,865,500 | 3,980 |
| Average equity | $17,152,500 | 3,542 |
| Average total loans | $71,955,000 | 4,547 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7487% | 5,624 |
| Cost of funding earning assets | 0.3555% | 7,465 |
| Net interest margin | 4.3931% | 1,498 |
| Noninterest income to average assets | 0.6062% | 3,436 |
| Noninterest expense to average assets | 2.6226% | 5,326 |
| Loan and lease loss provision to assets | 0.0232% | 6,893 |
| Net operating income to assets | 1.2062% | 1,398 |
| Return on assets (ROA) | 1.2053% | 1,478 |
| Pretax return on assets | 1.9294% | 573 |
| Return on Equity (ROE) | 10.2216% | 1,847 |
| Retained earnings to average equity (ytd only) | 7.9369% | 996 |
| Net charge-offs to loans | 0.1574% | 5,406 |
| Credit loss provision to net charge-offs | 28.6957% | 6,501 |
| Earnings coverage of net charge-offs (x) | 24.2174% | 871 |
| Efficiency ratio | 57.3049% | 6,418 |
| Assets per employee ($millions) | 4.2307% | 3,326 |
| Cash dividends to net income (ytd only)* | 22.3516% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1167% | 787 |
| Loan loss allowance to noncurrent loans | 114.9314% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 1.5913% | 3,919 |
| Noncurrent loans to loans | 2.7118% | 2,806 |
| Net loans and leases to total assets | 48.9040% | 6,284 |
| Net loans and leases to deposits | 55.6188% | 6,472 |
| Net loans and leases to core deposits | 57.0797% | 6,628 |
| Total domestic deposits to total assets | 87.9271% | 2,293 |
| Equity capital to assets | 11.9172% | 1,959 |
| Core capital (leverage) ratio | 12.1218% | 1,471 |
| Tier 1 risk-based capital ratio | 26.5977% | 695 |
| Total risk-based capital ratio | 27.8775% | 682 |
| Memoranda: | ||
| Average total assets | $142,531,600 | 4,012 |
| Average earning assets | $128,814,600 | 4,044 |
| Average equity | $16,807,600 | 3,627 |
| Average total loans | $73,078,800 | 4,562 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 5,447 |
| Cost of funding earning assets | 0.3759% | 7,590 |
| Net interest margin | 4.4813% | 1,301 |
| Noninterest income to average assets | 0.6235% | 3,290 |
| Noninterest expense to average assets | 2.5596% | 5,469 |
| Loan and lease loss provision to assets | 0.1350% | 5,679 |
| Net operating income to assets | 1.1903% | 1,615 |
| Return on assets (ROA) | 1.1945% | 1,689 |
| Pretax return on assets | 1.9708% | 660 |
| Return on Equity (ROE) | 10.1568% | 2,062 |
| Retained earnings to average equity (ytd only) | 7.8607% | 1,464 |
| Net charge-offs to loans | 0.0237% | 6,346 |
| Credit loss provision to net charge-offs | 1,107.6923% | 266 |
| Earnings coverage of net charge-offs (x) | 172.2597% | 189 |
| Efficiency ratio | 54.9406% | 6,693 |
| Assets per employee ($millions) | 4.0480% | 3,740 |
| Cash dividends to net income (ytd only)* | 22.6060% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3603% | 598 |
| Loan loss allowance to noncurrent loans | 172.7844% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 4,677 |
| Noncurrent loans to loans | 1.9448% | 3,754 |
| Net loans and leases to total assets | 50.2594% | 6,296 |
| Net loans and leases to deposits | 57.2684% | 6,524 |
| Net loans and leases to core deposits | 58.7919% | 6,684 |
| Total domestic deposits to total assets | 87.7611% | 2,120 |
| Equity capital to assets | 12.0935% | 2,094 |
| Core capital (leverage) ratio | 11.9724% | 1,683 |
| Tier 1 risk-based capital ratio | 26.7737% | 716 |
| Total risk-based capital ratio | 28.0583% | 689 |
| Memoranda: | ||
| Average total assets | $142,203,750 | 4,072 |
| Average earning assets | $128,055,500 | 4,109 |
| Average equity | $16,724,000 | 3,695 |
| Average total loans | $73,196,500 | 4,632 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 5,657 |
| Cost of funding earning assets | 0.3849% | 7,666 |
| Net interest margin | 4.4529% | 1,310 |
| Noninterest income to average assets | 0.6546% | 2,988 |
| Noninterest expense to average assets | 2.5116% | 5,678 |
| Loan and lease loss provision to assets | 0.1953% | 4,923 |
| Net operating income to assets | 1.1975% | 1,568 |
| Return on assets (ROA) | 1.2038% | 1,621 |
| Pretax return on assets | 2.0045% | 601 |
| Return on Equity (ROE) | 10.3332% | 1,983 |
| Retained earnings to average equity (ytd only) | 8.0182% | 1,431 |
| Net charge-offs to loans | 0.1479% | 4,751 |
| Credit loss provision to net charge-offs | 257.4074% | 1,478 |
| Earnings coverage of net charge-offs (x) | 28.8704% | 942 |
| Efficiency ratio | 53.4210% | 6,944 |
| Assets per employee ($millions) | 4.0718% | 3,629 |
| Cash dividends to net income (ytd only)* | 22.4037% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3346% | 622 |
| Loan loss allowance to noncurrent loans | 272.4215% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.8504% | 5,413 |
| Noncurrent loans to loans | 1.2241% | 4,923 |
| Net loans and leases to total assets | 49.4285% | 6,498 |
| Net loans and leases to deposits | 56.2375% | 6,707 |
| Net loans and leases to core deposits | 57.7147% | 6,849 |
| Total domestic deposits to total assets | 87.8923% | 2,058 |
| Equity capital to assets | 12.0031% | 2,093 |
| Core capital (leverage) ratio | 11.5517% | 1,883 |
| Tier 1 risk-based capital ratio | 26.2669% | 755 |
| Total risk-based capital ratio | 27.5501% | 743 |
| Memoranda: | ||
| Average total assets | $142,378,670 | 4,087 |
| Average earning assets | $129,399,670 | 4,104 |
| Average equity | $16,587,330 | 3,705 |
| Average total loans | $73,034,330 | 4,676 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 5,516 |
| Cost of funding earning assets | 0.4012% | 7,773 |
| Net interest margin | 4.4874% | 1,175 |
| Noninterest income to average assets | 0.6661% | 2,839 |
| Noninterest expense to average assets | 2.4566% | 5,887 |
| Loan and lease loss provision to assets | 0.3092% | 3,568 |
| Net operating income to assets | 1.0241% | 2,098 |
| Return on assets (ROA) | 1.0259% | 2,148 |
| Pretax return on assets | 1.9591% | 655 |
| Return on Equity (ROE) | 8.9417% | 2,515 |
| Retained earnings to average equity (ytd only) | 6.5899% | 2,324 |
| Net charge-offs to loans | 0.3009% | 3,213 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 14.6545% | 1,417 |
| Efficiency ratio | 52.0238% | 7,149 |
| Assets per employee ($millions) | 4.2340% | 3,403 |
| Cash dividends to net income (ytd only)* | 26.3014% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2735% | 653 |
| Loan loss allowance to noncurrent loans | 257.5107% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 1.0260% | 5,103 |
| Noncurrent loans to loans | 1.2712% | 4,855 |
| Net loans and leases to total assets | 49.2623% | 6,548 |
| Net loans and leases to deposits | 55.7323% | 6,795 |
| Net loans and leases to core deposits | 57.1650% | 6,924 |
| Total domestic deposits to total assets | 88.3909% | 1,855 |
| Equity capital to assets | 11.4424% | 2,409 |
| Core capital (leverage) ratio | 11.5505% | 1,882 |
| Tier 1 risk-based capital ratio | 24.9749% | 870 |
| Total risk-based capital ratio | 26.2573% | 841 |
| Memoranda: | ||
| Average total assets | $142,311,500 | 4,150 |
| Average earning assets | $128,626,500 | 4,178 |
| Average equity | $16,328,000 | 3,774 |
| Average total loans | $73,115,500 | 4,742 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2497% | 5,414 |
| Cost of funding earning assets | 0.6610% | 7,730 |
| Net interest margin | 4.5887% | 1,003 |
| Noninterest income to average assets | 0.6486% | 3,305 |
| Noninterest expense to average assets | 2.6169% | 5,725 |
| Loan and lease loss provision to assets | 0.3206% | 4,895 |
| Net operating income to assets | 1.2764% | 1,084 |
| Return on assets (ROA) | 1.2764% | 1,141 |
| Pretax return on assets | 1.8311% | 590 |
| Return on Equity (ROE) | 11.0150% | 1,417 |
| Retained earnings to average equity (ytd only) | 8.5444% | 578 |
| Net charge-offs to loans | 0.1035% | 6,107 |
| Credit loss provision to net charge-offs | 565.7895% | 531 |
| Earnings coverage of net charge-offs (x) | 37.9737% | 627 |
| Efficiency ratio | 54.8780% | 7,143 |
| Assets per employee ($millions) | 4.0191% | 3,780 |
| Cash dividends to net income (ytd only)* | 22.4299% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2161% | 650 |
| Loan loss allowance to noncurrent loans | 319.4823% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.7493% | 5,607 |
| Noncurrent loans to loans | 1.0067% | 5,305 |
| Net loans and leases to total assets | 50.1681% | 6,625 |
| Net loans and leases to deposits | 56.7525% | 6,873 |
| Net loans and leases to core deposits | 60.0734% | 7,261 |
| Total domestic deposits to total assets | 88.3981% | 1,772 |
| Equity capital to assets | 11.5052% | 2,315 |
| Core capital (leverage) ratio | 11.5442% | 1,893 |
| Tier 1 risk-based capital ratio | 24.8711% | 856 |
| Total risk-based capital ratio | 26.1527% | 830 |
| Memoranda: | ||
| Average total assets | $134,129,400 | 4,258 |
| Average earning assets | $120,426,000 | 4,301 |
| Average equity | $15,542,400 | 3,959 |
| Average total loans | $73,409,600 | 4,753 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3132% | 5,356 |
| Cost of funding earning assets | 0.7170% | 7,792 |
| Net interest margin | 4.5961% | 996 |
| Noninterest income to average assets | 0.6531% | 3,329 |
| Noninterest expense to average assets | 2.5751% | 5,805 |
| Loan and lease loss provision to assets | 0.3945% | 3,948 |
| Net operating income to assets | 1.2871% | 1,253 |
| Return on assets (ROA) | 1.2871% | 1,321 |
| Pretax return on assets | 1.8053% | 794 |
| Return on Equity (ROE) | 11.0863% | 1,597 |
| Retained earnings to average equity (ytd only) | 8.5899% | 948 |
| Net charge-offs to loans | 0.0200% | 6,625 |
| Credit loss provision to net charge-offs | 3,563.6364% | 118 |
| Earnings coverage of net charge-offs (x) | 198.6769% | 196 |
| Efficiency ratio | 53.9305% | 7,238 |
| Assets per employee ($millions) | 4.0115% | 3,710 |
| Cash dividends to net income (ytd only)* | 22.5176% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2418% | 538 |
| Loan loss allowance to noncurrent loans | 392.7152% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 5,792 |
| Noncurrent loans to loans | 0.8255% | 5,645 |
| Net loans and leases to total assets | 51.9074% | 6,606 |
| Net loans and leases to deposits | 58.9140% | 6,907 |
| Net loans and leases to core deposits | 63.4825% | 7,266 |
| Total domestic deposits to total assets | 88.1070% | 1,608 |
| Equity capital to assets | 11.7009% | 2,435 |
| Core capital (leverage) ratio | 11.5832% | 2,022 |
| Tier 1 risk-based capital ratio | 24.8358% | 915 |
| Total risk-based capital ratio | 26.1193% | 889 |
| Memoranda: | ||
| Average total assets | $132,495,000 | 4,308 |
| Average earning assets | $118,821,500 | 4,370 |
| Average equity | $15,382,000 | 4,031 |
| Average total loans | $73,533,250 | 4,789 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3331% | 5,483 |
| Cost of funding earning assets | 0.7388% | 7,886 |
| Net interest margin | 4.5944% | 964 |
| Noninterest income to average assets | 0.6220% | 3,528 |
| Noninterest expense to average assets | 2.5412% | 5,979 |
| Loan and lease loss provision to assets | 0.4634% | 3,210 |
| Net operating income to assets | 1.3339% | 1,151 |
| Return on assets (ROA) | 1.3339% | 1,225 |
| Pretax return on assets | 1.7318% | 964 |
| Return on Equity (ROE) | 11.5210% | 1,555 |
| Retained earnings to average equity (ytd only) | 8.9930% | 943 |
| Net charge-offs to loans | 0.0272% | 6,097 |
| Credit loss provision to net charge-offs | 3,040.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 281 |
| Efficiency ratio | 53.6530% | 7,368 |
| Assets per employee ($millions) | 3.8517% | 3,975 |
| Cash dividends to net income (ytd only)* | 21.9429% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1135% | 515 |
| Loan loss allowance to noncurrent loans | 441.1197% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.6209% | 5,865 |
| Noncurrent loans to loans | 0.7058% | 5,831 |
| Net loans and leases to total assets | 52.7442% | 6,594 |
| Net loans and leases to deposits | 59.7411% | 6,908 |
| Net loans and leases to core deposits | 64.7882% | 7,260 |
| Total domestic deposits to total assets | 88.2880% | 1,631 |
| Equity capital to assets | 11.5310% | 2,522 |
| Core capital (leverage) ratio | 11.4743% | 2,101 |
| Tier 1 risk-based capital ratio | 24.2435% | 1,006 |
| Total risk-based capital ratio | 25.5249% | 985 |
| Memoranda: | ||
| Average total assets | $131,196,330 | 4,371 |
| Average earning assets | $117,491,670 | 4,431 |
| Average equity | $15,189,670 | 4,081 |
| Average total loans | $73,654,670 | 4,822 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3645% | 5,597 |
| Cost of funding earning assets | 0.7639% | 7,943 |
| Net interest margin | 4.6006% | 938 |
| Noninterest income to average assets | 0.7172% | 2,781 |
| Noninterest expense to average assets | 2.5072% | 5,811 |
| Loan and lease loss provision to assets | 0.1237% | 5,376 |
| Net operating income to assets | 1.9631% | 373 |
| Return on assets (ROA) | 1.9631% | 424 |
| Pretax return on assets | 2.1640% | 477 |
| Return on Equity (ROE) | 16.9198% | 697 |
| Retained earnings to average equity (ytd only) | 14.3618% | 482 |
| Net charge-offs to loans | -0.0271% | 7,528 |
| Credit loss provision to net charge-offs | -800.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2888% | 7,386 |
| Assets per employee ($millions) | 3.8932% | 3,889 |
| Cash dividends to net income (ytd only)* | 15.1181% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7764% | 594 |
| Loan loss allowance to noncurrent loans | 1,100.5405% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 6,738 |
| Noncurrent loans to loans | 0.2523% | 6,814 |
| Net loans and leases to total assets | 53.8611% | 6,479 |
| Net loans and leases to deposits | 61.0155% | 6,813 |
| Net loans and leases to core deposits | 66.2418% | 7,229 |
| Total domestic deposits to total assets | 88.2745% | 1,597 |
| Equity capital to assets | 11.5789% | 2,540 |
| Core capital (leverage) ratio | 11.8665% | 1,965 |
| Tier 1 risk-based capital ratio | 24.3146% | 1,044 |
| Total risk-based capital ratio | 25.5911% | 1,021 |
| Memoranda: | ||
| Average total assets | $129,389,000 | 4,421 |
| Average earning assets | $114,680,000 | 4,515 |
| Average equity | $15,012,000 | 4,142 |
| Average total loans | $73,787,000 | 4,845 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6211% | 7,008 |
| Cost of funding earning assets | 0.8074% | 8,121 |
| Net interest margin | 4.8137% | 762 |
| Noninterest income to average assets | 0.6843% | 3,217 |
| Noninterest expense to average assets | 2.5317% | 5,882 |
| Loan and lease loss provision to assets | -0.1890% | 8,267 |
| Net operating income to assets | 1.8302% | 525 |
| Return on assets (ROA) | 1.8459% | 484 |
| Pretax return on assets | 2.6512% | 144 |
| Return on Equity (ROE) | 10.9812% | 1,911 |
| Retained earnings to average equity (ytd only) | -94.3246% | 8,265 |
| Net charge-offs to loans | 0.0134% | 6,717 |
| Credit loss provision to net charge-offs | -2,610.0000% | 7,487 |
| Earnings coverage of net charge-offs (x) | 336.9000% | 140 |
| Efficiency ratio | 50.9250% | 7,592 |
| Assets per employee ($millions) | 3.5113% | 4,624 |
| Cash dividends to net income (ytd only)* | 958.9643% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7707% | 530 |
| Loan loss allowance to noncurrent loans | 216.0714% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 4,654 |
| Noncurrent loans to loans | 1.2823% | 3,947 |
| Net loans and leases to total assets | 57.1048% | 6,321 |
| Net loans and leases to deposits | 64.6761% | 6,736 |
| Net loans and leases to core deposits | 69.8560% | 7,197 |
| Total domestic deposits to total assets | 88.2935% | 1,338 |
| Equity capital to assets | 11.6266% | 2,548 |
| Core capital (leverage) ratio | 11.6281% | 2,175 |
| Tier 1 risk-based capital ratio | 23.6080% | 1,130 |
| Total risk-based capital ratio | 24.8836% | 1,097 |
| Memoranda: | ||
| Average total assets | $138,091,000 | 4,117 |
| Average earning assets | $122,982,600 | 4,192 |
| Average equity | $23,212,400 | 2,822 |
| Average total loans | $74,694,200 | 4,707 |