Home > Morris Bank > Performance and Condition Ratios
Morris Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4125% | 1,290 |
| Cost of funding earning assets | 1.4227% | 2,168 |
| Net interest margin | 3.9898% | 1,224 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.4569% | 2,427 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.5341% | 958 |
| Return on assets (ROA) | 1.5341% | 928 |
| Pretax return on assets | 1.6858% | 1,089 |
| Return on Equity (ROE) | 12.1700% | 1,917 |
| Retained earnings to average equity (ytd only) | 3.2113% | 3,213 |
| Net charge-offs to loans | 0.0131% | 2,162 |
| Credit loss provision to net charge-offs | 583.9416% | 604 |
| Earnings coverage of net charge-offs (x) | 177.6569% | 633 |
| Efficiency ratio | 58.2719% | 3,267 |
| Assets per employee ($millions) | 7.9998% | 1,441 |
| Cash dividends to net income (ytd only)* | 73.6038% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 1,598 |
| Loan loss allowance to noncurrent loans | 545.2881% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 1,277 |
| Noncurrent loans to loans | 0.2464% | 2,318 |
| Net loans and leases to total assets | 73.6900% | 1,399 |
| Net loans and leases to deposits | 85.5290% | 1,645 |
| Net loans and leases to core deposits | 95.4430% | 1,686 |
| Total domestic deposits to total assets | 86.1600% | 1,960 |
| Equity capital to assets | 13.0736% | 849 |
| Core capital (leverage) ratio | 12.4078% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5504% | 1,666 |
| Memoranda: | ||
| Average total assets | $1,416,974,600 | 747 |
| Average earning assets | $1,338,448,400 | 728 |
| Average equity | $178,681,800 | 592 |
| Average total loans | $1,045,882,000 | 702 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3064% | 1,282 |
| Cost of funding earning assets | 1.3136% | 2,114 |
| Net interest margin | 3.9928% | 1,229 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.3982% | 2,520 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.4339% | 1,246 |
| Return on assets (ROA) | 1.4339% | 1,230 |
| Pretax return on assets | 1.7450% | 1,096 |
| Return on Equity (ROE) | 11.4800% | 2,257 |
| Retained earnings to average equity (ytd only) | -0.5882% | 4,221 |
| Net charge-offs to loans | 0.0216% | 1,672 |
| Credit loss provision to net charge-offs | 236.6864% | 1,018 |
| Earnings coverage of net charge-offs (x) | 111.7692% | 873 |
| Efficiency ratio | 56.8226% | 3,327 |
| Assets per employee ($millions) | 7.8988% | 1,395 |
| Cash dividends to net income (ytd only)* | 105.1248% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 1,772 |
| Loan loss allowance to noncurrent loans | 550.0000% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 1,349 |
| Noncurrent loans to loans | 0.2401% | 2,388 |
| Net loans and leases to total assets | 73.6700% | 1,378 |
| Net loans and leases to deposits | 86.3710% | 1,528 |
| Net loans and leases to core deposits | 95.6226% | 1,575 |
| Total domestic deposits to total assets | 85.2900% | 2,417 |
| Equity capital to assets | 12.7899% | 857 |
| Core capital (leverage) ratio | 12.0538% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3794% | 1,762 |
| Memoranda: | ||
| Average total assets | $1,415,227,250 | 748 |
| Average earning assets | $1,337,454,750 | 729 |
| Average equity | $176,811,250 | 595 |
| Average total loans | $1,041,441,500 | 705 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1902% | 1,225 |
| Cost of funding earning assets | 1.1976% | 2,003 |
| Net interest margin | 3.9926% | 1,257 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.4008% | 2,481 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.4280% | 1,263 |
| Return on assets (ROA) | 1.4280% | 1,247 |
| Pretax return on assets | 1.8005% | 1,007 |
| Return on Equity (ROE) | 11.5200% | 2,290 |
| Retained earnings to average equity (ytd only) | -6.6812% | 4,465 |
| Net charge-offs to loans | 0.0225% | 1,432 |
| Credit loss provision to net charge-offs | 341.8803% | 795 |
| Earnings coverage of net charge-offs (x) | 111.3333% | 884 |
| Efficiency ratio | 56.0813% | 3,405 |
| Assets per employee ($millions) | 7.8012% | 1,415 |
| Cash dividends to net income (ytd only)* | 157.9935% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 1,676 |
| Loan loss allowance to noncurrent loans | 491.7639% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 1,155 |
| Noncurrent loans to loans | 0.2762% | 2,163 |
| Net loans and leases to total assets | 71.9500% | 1,537 |
| Net loans and leases to deposits | 84.3260% | 1,641 |
| Net loans and leases to core deposits | 92.6777% | 1,645 |
| Total domestic deposits to total assets | 85.3200% | 2,456 |
| Equity capital to assets | 12.4543% | 940 |
| Core capital (leverage) ratio | 11.8250% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2589% | 1,799 |
| Memoranda: | ||
| Average total assets | $1,418,305,333 | 735 |
| Average earning assets | $1,341,380,000 | 721 |
| Average equity | $175,806,667 | 589 |
| Average total loans | $1,038,723,333 | 691 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0117% | 1,208 |
| Cost of funding earning assets | 1.0593% | 1,862 |
| Net interest margin | 3.9523% | 1,360 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.5574% | 2,086 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.2962% | 1,684 |
| Return on assets (ROA) | 1.2962% | 1,657 |
| Pretax return on assets | 1.5744% | 1,518 |
| Return on Equity (ROE) | 10.4800% | 2,638 |
| Retained earnings to average equity (ytd only) | -25.8267% | 4,626 |
| Net charge-offs to loans | -0.0073% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.7577% | 2,987 |
| Assets per employee ($millions) | 7.7826% | 1,470 |
| Cash dividends to net income (ytd only)* | 346.3953% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 1,819 |
| Loan loss allowance to noncurrent loans | 413.4197% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 1,036 |
| Noncurrent loans to loans | 0.3267% | 1,979 |
| Net loans and leases to total assets | 72.0500% | 1,422 |
| Net loans and leases to deposits | 83.8190% | 1,512 |
| Net loans and leases to core deposits | 89.8122% | 1,625 |
| Total domestic deposits to total assets | 85.9600% | 2,606 |
| Equity capital to assets | 11.9043% | 1,025 |
| Core capital (leverage) ratio | 11.1873% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6488% | 2,113 |
| Memoranda: | ||
| Average total assets | $1,425,347,500 | 746 |
| Average earning assets | $1,349,888,000 | 729 |
| Average equity | $176,267,000 | 601 |
| Average total loans | $1,045,983,000 | 700 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 650 |
| Cost of funding earning assets | 0.3438% | 2,528 |
| Net interest margin | 4.2131% | 515 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.3717% | 2,511 |
| Loan and lease loss provision to assets | 0.3600% | 200 |
| Net operating income to assets | 1.6598% | 595 |
| Return on assets (ROA) | 1.6598% | 565 |
| Pretax return on assets | 1.7182% | 884 |
| Return on Equity (ROE) | 13.4900% | 1,660 |
| Retained earnings to average equity (ytd only) | 9.7794% | 1,221 |
| Net charge-offs to loans | 0.3497% | 217 |
| Credit loss provision to net charge-offs | 146.5938% | 1,316 |
| Earnings coverage of net charge-offs (x) | 8.4950% | 2,264 |
| Efficiency ratio | 52.7706% | 3,912 |
| Assets per employee ($millions) | 7.4685% | 1,637 |
| Cash dividends to net income (ytd only)* | 27.5167% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 1,915 |
| Loan loss allowance to noncurrent loans | 365.3887% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 970 |
| Noncurrent loans to loans | 0.3547% | 1,873 |
| Net loans and leases to total assets | 72.7700% | 1,335 |
| Net loans and leases to deposits | 85.3440% | 1,364 |
| Net loans and leases to core deposits | 90.4489% | 1,481 |
| Total domestic deposits to total assets | 85.2700% | 2,916 |
| Equity capital to assets | 12.8282% | 734 |
| Core capital (leverage) ratio | 12.1814% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2398% | 1,876 |
| Memoranda: | ||
| Average total assets | $1,423,206,000 | 732 |
| Average earning assets | $1,353,445,200 | 710 |
| Average equity | $175,082,400 | 591 |
| Average total loans | $994,962,200 | 686 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4363% | 546 |
| Cost of funding earning assets | 0.2188% | 3,048 |
| Net interest margin | 4.2175% | 405 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.3609% | 2,439 |
| Loan and lease loss provision to assets | 0.4200% | 130 |
| Net operating income to assets | 1.5339% | 769 |
| Return on assets (ROA) | 1.5339% | 751 |
| Pretax return on assets | 1.6779% | 946 |
| Return on Equity (ROE) | 12.6000% | 1,836 |
| Retained earnings to average equity (ytd only) | 9.1380% | 1,606 |
| Net charge-offs to loans | 0.4732% | 136 |
| Credit loss provision to net charge-offs | 129.2732% | 1,183 |
| Earnings coverage of net charge-offs (x) | 6.4349% | 2,107 |
| Efficiency ratio | 52.3841% | 3,977 |
| Assets per employee ($millions) | 7.5386% | 1,591 |
| Cash dividends to net income (ytd only)* | 27.4994% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,198 |
| Loan loss allowance to noncurrent loans | 528.4787% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4337% | 1,255 |
| Noncurrent loans to loans | 0.2393% | 2,428 |
| Net loans and leases to total assets | 71.3900% | 1,352 |
| Net loans and leases to deposits | 82.0675% | 1,442 |
| Net loans and leases to core deposits | 86.0116% | 1,523 |
| Total domestic deposits to total assets | 86.9900% | 2,764 |
| Equity capital to assets | 12.4884% | 773 |
| Core capital (leverage) ratio | 11.6407% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2434% | 1,961 |
| Memoranda: | ||
| Average total assets | $1,422,388,500 | 741 |
| Average earning assets | $1,353,318,750 | 714 |
| Average equity | $173,105,250 | 606 |
| Average total loans | $980,772,750 | 694 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3397% | 494 |
| Cost of funding earning assets | 0.1456% | 3,630 |
| Net interest margin | 4.1941% | 340 |
| Noninterest income to average assets | 0.4857% | 2,281 |
| Noninterest expense to average assets | 2.3377% | 2,433 |
| Loan and lease loss provision to assets | 0.1055% | 946 |
| Net operating income to assets | 1.8968% | 274 |
| Return on assets (ROA) | 1.8968% | 273 |
| Pretax return on assets | 2.0329% | 352 |
| Return on Equity (ROE) | 15.7229% | 752 |
| Retained earnings to average equity (ytd only) | 12.2242% | 575 |
| Net charge-offs to loans | 0.0494% | 901 |
| Credit loss provision to net charge-offs | 315.1261% | 784 |
| Earnings coverage of net charge-offs (x) | 63.8655% | 1,050 |
| Efficiency ratio | 51.6815% | 4,151 |
| Assets per employee ($millions) | 7.7224% | 1,462 |
| Cash dividends to net income (ytd only)* | 22.2519% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,466 |
| Loan loss allowance to noncurrent loans | 488.0702% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 1,285 |
| Noncurrent loans to loans | 0.2541% | 2,460 |
| Net loans and leases to total assets | 70.1731% | 1,287 |
| Net loans and leases to deposits | 80.4494% | 1,351 |
| Net loans and leases to core deposits | 83.5480% | 1,480 |
| Total domestic deposits to total assets | 87.2264% | 2,860 |
| Equity capital to assets | 12.4392% | 776 |
| Core capital (leverage) ratio | 11.5087% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8633% | 2,116 |
| Memoranda: | ||
| Average total assets | $1,421,585,000 | 731 |
| Average earning assets | $1,352,576,000 | 712 |
| Average equity | $171,495,333 | 617 |
| Average total loans | $964,290,667 | 690 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 473 |
| Cost of funding earning assets | 0.1313% | 3,753 |
| Net interest margin | 4.1305% | 321 |
| Noninterest income to average assets | 0.4791% | 2,242 |
| Noninterest expense to average assets | 2.4350% | 2,058 |
| Loan and lease loss provision to assets | 0.1055% | 795 |
| Net operating income to assets | 1.7143% | 399 |
| Return on assets (ROA) | 1.7143% | 402 |
| Pretax return on assets | 1.8682% | 472 |
| Return on Equity (ROE) | 14.4350% | 750 |
| Retained earnings to average equity (ytd only) | 10.8819% | 803 |
| Net charge-offs to loans | -0.0106% | 3,611 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6771% | 4,009 |
| Assets per employee ($millions) | 7.4465% | 1,717 |
| Cash dividends to net income (ytd only)* | 24.6144% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 2,380 |
| Loan loss allowance to noncurrent loans | 375.2041% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 1,011 |
| Noncurrent loans to loans | 0.3455% | 2,248 |
| Net loans and leases to total assets | 65.7450% | 1,436 |
| Net loans and leases to deposits | 74.8982% | 1,528 |
| Net loans and leases to core deposits | 77.4727% | 1,656 |
| Total domestic deposits to total assets | 87.7792% | 2,633 |
| Equity capital to assets | 11.9030% | 995 |
| Core capital (leverage) ratio | 11.1219% | 1,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9785% | 2,216 |
| Memoranda: | ||
| Average total assets | $1,421,916,500 | 731 |
| Average earning assets | $1,352,769,500 | 716 |
| Average equity | $168,867,000 | 644 |
| Average total loans | $941,624,000 | 693 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5863% | 519 |
| Cost of funding earning assets | 0.1836% | 3,613 |
| Net interest margin | 4.4027% | 330 |
| Noninterest income to average assets | 0.4017% | 3,032 |
| Noninterest expense to average assets | 2.3424% | 2,679 |
| Loan and lease loss provision to assets | 0.1496% | 807 |
| Net operating income to assets | 1.9370% | 380 |
| Return on assets (ROA) | 1.9576% | 389 |
| Pretax return on assets | 2.1270% | 471 |
| Return on Equity (ROE) | 16.5990% | 655 |
| Retained earnings to average equity (ytd only) | 12.7940% | 425 |
| Net charge-offs to loans | 0.0887% | 924 |
| Credit loss provision to net charge-offs | 258.7322% | 1,148 |
| Earnings coverage of net charge-offs (x) | 38.9884% | 1,454 |
| Efficiency ratio | 50.3938% | 4,256 |
| Assets per employee ($millions) | 7.3647% | 1,688 |
| Cash dividends to net income (ytd only)* | 22.9235% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 2,372 |
| Loan loss allowance to noncurrent loans | 438.5683% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 1,157 |
| Noncurrent loans to loans | 0.2957% | 2,531 |
| Net loans and leases to total assets | 64.9739% | 1,586 |
| Net loans and leases to deposits | 74.2981% | 1,705 |
| Net loans and leases to core deposits | 77.1862% | 1,827 |
| Total domestic deposits to total assets | 87.4503% | 2,313 |
| Equity capital to assets | 11.8484% | 1,317 |
| Core capital (leverage) ratio | 11.0835% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3562% | 2,095 |
| Memoranda: | ||
| Average total assets | $1,337,015,600 | 748 |
| Average earning assets | $1,273,872,000 | 726 |
| Average equity | $157,683,800 | 684 |
| Average total loans | $871,849,600 | 744 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6117% | 554 |
| Cost of funding earning assets | 0.1946% | 3,666 |
| Net interest margin | 4.4171% | 366 |
| Noninterest income to average assets | 0.3991% | 3,086 |
| Noninterest expense to average assets | 2.3369% | 2,639 |
| Loan and lease loss provision to assets | 0.1869% | 562 |
| Net operating income to assets | 1.8558% | 605 |
| Return on assets (ROA) | 1.8560% | 627 |
| Pretax return on assets | 2.0847% | 692 |
| Return on Equity (ROE) | 15.7563% | 995 |
| Retained earnings to average equity (ytd only) | 10.6097% | 1,146 |
| Net charge-offs to loans | 0.0784% | 883 |
| Credit loss provision to net charge-offs | 366.3366% | 911 |
| Earnings coverage of net charge-offs (x) | 44.5168% | 1,296 |
| Efficiency ratio | 50.1381% | 4,210 |
| Assets per employee ($millions) | 7.2815% | 1,691 |
| Cash dividends to net income (ytd only)* | 32.6637% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 2,131 |
| Loan loss allowance to noncurrent loans | 471.4619% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.5892% | 1,299 |
| Noncurrent loans to loans | 0.2914% | 2,750 |
| Net loans and leases to total assets | 63.9268% | 1,786 |
| Net loans and leases to deposits | 72.8985% | 1,971 |
| Net loans and leases to core deposits | 75.7108% | 2,077 |
| Total domestic deposits to total assets | 87.6928% | 2,013 |
| Equity capital to assets | 11.7727% | 1,504 |
| Core capital (leverage) ratio | 10.8171% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4122% | 2,199 |
| Memoranda: | ||
| Average total assets | $1,319,607,250 | 766 |
| Average earning assets | $1,257,506,750 | 746 |
| Average equity | $155,438,250 | 702 |
| Average total loans | $858,321,250 | 772 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6478% | 580 |
| Cost of funding earning assets | 0.2119% | 3,636 |
| Net interest margin | 4.4359% | 395 |
| Noninterest income to average assets | 0.4044% | 3,094 |
| Noninterest expense to average assets | 2.3076% | 2,751 |
| Loan and lease loss provision to assets | 0.2145% | 503 |
| Net operating income to assets | 1.7904% | 733 |
| Return on assets (ROA) | 1.7904% | 769 |
| Pretax return on assets | 2.1123% | 672 |
| Return on Equity (ROE) | 15.1973% | 1,108 |
| Retained earnings to average equity (ytd only) | 15.1973% | 405 |
| Net charge-offs to loans | 0.0193% | 1,551 |
| Credit loss provision to net charge-offs | 1,707.3171% | 322 |
| Earnings coverage of net charge-offs (x) | 185.2317% | 520 |
| Efficiency ratio | 49.2183% | 4,298 |
| Assets per employee ($millions) | 6.8522% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4105% | 1,928 |
| Loan loss allowance to noncurrent loans | 140.4364% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6650% | 1,252 |
| Noncurrent loans to loans | 1.0043% | 1,223 |
| Net loans and leases to total assets | 63.6247% | 1,989 |
| Net loans and leases to deposits | 72.7935% | 2,136 |
| Net loans and leases to core deposits | 75.8343% | 2,256 |
| Total domestic deposits to total assets | 87.4044% | 2,128 |
| Equity capital to assets | 12.0240% | 1,351 |
| Core capital (leverage) ratio | 10.8917% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2231% | 1,895 |
| Memoranda: | ||
| Average total assets | $1,305,595,000 | 770 |
| Average earning assets | $1,244,985,667 | 749 |
| Average equity | $153,817,000 | 704 |
| Average total loans | $850,234,667 | 779 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 814 |
| Cost of funding earning assets | 0.2244% | 3,687 |
| Net interest margin | 4.2451% | 562 |
| Noninterest income to average assets | 0.4372% | 2,882 |
| Noninterest expense to average assets | 2.0357% | 3,604 |
| Loan and lease loss provision to assets | 0.2010% | 603 |
| Net operating income to assets | 1.7682% | 833 |
| Return on assets (ROA) | 1.7682% | 885 |
| Pretax return on assets | 2.2487% | 635 |
| Return on Equity (ROE) | 15.1691% | 1,174 |
| Retained earnings to average equity (ytd only) | 15.1691% | 610 |
| Net charge-offs to loans | 0.0142% | 1,462 |
| Credit loss provision to net charge-offs | 2,166.6667% | 234 |
| Earnings coverage of net charge-offs (x) | 264.1000% | 332 |
| Efficiency ratio | 44.7853% | 4,538 |
| Assets per employee ($millions) | 7.2780% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 2,268 |
| Loan loss allowance to noncurrent loans | 131.8644% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 1,429 |
| Noncurrent loans to loans | 1.0131% | 1,319 |
| Net loans and leases to total assets | 62.8767% | 2,187 |
| Net loans and leases to deposits | 71.3690% | 2,379 |
| Net loans and leases to core deposits | 74.2517% | 2,490 |
| Total domestic deposits to total assets | 88.1009% | 1,791 |
| Equity capital to assets | 11.3614% | 1,624 |
| Core capital (leverage) ratio | 10.8372% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2627% | 2,179 |
| Memoranda: | ||
| Average total assets | $1,293,733,000 | 768 |
| Average earning assets | $1,233,691,000 | 749 |
| Average equity | $150,807,000 | 710 |
| Average total loans | $846,414,500 | 771 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9926% | 496 |
| Cost of funding earning assets | 0.4790% | 3,088 |
| Net interest margin | 4.5136% | 322 |
| Noninterest income to average assets | 0.6519% | 2,018 |
| Noninterest expense to average assets | 2.5454% | 2,707 |
| Loan and lease loss provision to assets | 0.3270% | 1,106 |
| Net operating income to assets | 1.7035% | 494 |
| Return on assets (ROA) | 1.7069% | 529 |
| Pretax return on assets | 2.0539% | 409 |
| Return on Equity (ROE) | 14.3777% | 737 |
| Retained earnings to average equity (ytd only) | 12.4831% | 276 |
| Net charge-offs to loans | 0.3185% | 558 |
| Credit loss provision to net charge-offs | 141.4397% | 2,475 |
| Earnings coverage of net charge-offs (x) | 10.2790% | 2,470 |
| Efficiency ratio | 51.0730% | 4,463 |
| Assets per employee ($millions) | 6.7430% | 1,746 |
| Cash dividends to net income (ytd only)* | 13.1773% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 2,490 |
| Loan loss allowance to noncurrent loans | 108.8770% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 1,272 |
| Noncurrent loans to loans | 1.1796% | 1,201 |
| Net loans and leases to total assets | 66.4263% | 2,028 |
| Net loans and leases to deposits | 75.9305% | 2,287 |
| Net loans and leases to core deposits | 79.6250% | 2,400 |
| Total domestic deposits to total assets | 87.4830% | 1,714 |
| Equity capital to assets | 11.9819% | 1,576 |
| Core capital (leverage) ratio | 11.2101% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2463% | 2,146 |
| Memoranda: | ||
| Average total assets | $1,111,465,400 | 802 |
| Average earning assets | $1,051,540,000 | 786 |
| Average equity | $131,954,800 | 753 |
| Average total loans | $806,893,600 | 780 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3716% | 295 |
| Cost of funding earning assets | 0.5542% | 2,904 |
| Net interest margin | 4.8175% | 196 |
| Noninterest income to average assets | 0.4426% | 2,878 |
| Noninterest expense to average assets | 2.5803% | 2,597 |
| Loan and lease loss provision to assets | 0.3570% | 1,054 |
| Net operating income to assets | 1.5931% | 740 |
| Return on assets (ROA) | 1.5962% | 804 |
| Pretax return on assets | 2.0584% | 460 |
| Return on Equity (ROE) | 13.4807% | 982 |
| Retained earnings to average equity (ytd only) | 13.4807% | 285 |
| Net charge-offs to loans | 0.3796% | 419 |
| Credit loss provision to net charge-offs | 126.8690% | 2,461 |
| Earnings coverage of net charge-offs (x) | 8.5699% | 2,489 |
| Efficiency ratio | 51.0362% | 4,417 |
| Assets per employee ($millions) | 6.2657% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,617 |
| Loan loss allowance to noncurrent loans | 94.2933% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.9778% | 1,142 |
| Noncurrent loans to loans | 1.2822% | 1,161 |
| Net loans and leases to total assets | 72.4068% | 1,607 |
| Net loans and leases to deposits | 83.2897% | 1,984 |
| Net loans and leases to core deposits | 88.0425% | 2,141 |
| Total domestic deposits to total assets | 86.9336% | 1,692 |
| Equity capital to assets | 12.4750% | 1,440 |
| Core capital (leverage) ratio | 11.3824% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,077,468,750 | 808 |
| Average earning assets | $1,017,469,000 | 795 |
| Average equity | $127,576,500 | 769 |
| Average total loans | $798,762,750 | 780 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5705% | 294 |
| Cost of funding earning assets | 0.6533% | 2,675 |
| Net interest margin | 4.9172% | 231 |
| Noninterest income to average assets | 0.4259% | 2,931 |
| Noninterest expense to average assets | 2.6174% | 2,606 |
| Loan and lease loss provision to assets | 0.4646% | 820 |
| Net operating income to assets | 1.5208% | 890 |
| Return on assets (ROA) | 1.5208% | 965 |
| Pretax return on assets | 1.9713% | 580 |
| Return on Equity (ROE) | 13.1042% | 1,075 |
| Retained earnings to average equity (ytd only) | 13.1042% | 346 |
| Net charge-offs to loans | 0.5131% | 312 |
| Credit loss provision to net charge-offs | 121.6284% | 2,271 |
| Earnings coverage of net charge-offs (x) | 6.3766% | 2,446 |
| Efficiency ratio | 51.1347% | 4,421 |
| Assets per employee ($millions) | 6.1459% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 2,534 |
| Loan loss allowance to noncurrent loans | 91.4250% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.0413% | 1,135 |
| Noncurrent loans to loans | 1.3093% | 1,181 |
| Net loans and leases to total assets | 74.4886% | 1,342 |
| Net loans and leases to deposits | 84.6540% | 1,924 |
| Net loans and leases to core deposits | 89.7310% | 2,089 |
| Total domestic deposits to total assets | 87.9919% | 1,187 |
| Equity capital to assets | 11.3137% | 2,115 |
| Core capital (leverage) ratio | 11.4934% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6615% | 2,750 |
| Memoranda: | ||
| Average total assets | $1,048,153,000 | 813 |
| Average earning assets | $986,373,000 | 799 |
| Average equity | $121,640,000 | 794 |
| Average total loans | $780,294,667 | 786 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5026% | 376 |
| Cost of funding earning assets | 0.7781% | 2,507 |
| Net interest margin | 4.7245% | 313 |
| Noninterest income to average assets | 0.5399% | 2,337 |
| Noninterest expense to average assets | 2.6574% | 2,816 |
| Loan and lease loss provision to assets | 0.1723% | 1,711 |
| Net operating income to assets | 1.7028% | 514 |
| Return on assets (ROA) | 1.7028% | 564 |
| Pretax return on assets | 2.1329% | 348 |
| Return on Equity (ROE) | 14.4702% | 615 |
| Retained earnings to average equity (ytd only) | 14.4702% | 221 |
| Net charge-offs to loans | 0.1940% | 702 |
| Credit loss provision to net charge-offs | 120.1657% | 1,707 |
| Earnings coverage of net charge-offs (x) | 16.0773% | 1,539 |
| Efficiency ratio | 52.8454% | 4,483 |
| Assets per employee ($millions) | 5.4264% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,158 |
| Loan loss allowance to noncurrent loans | 79.3017% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.2600% | 955 |
| Noncurrent loans to loans | 1.6390% | 938 |
| Net loans and leases to total assets | 72.8661% | 1,791 |
| Net loans and leases to deposits | 83.1301% | 2,319 |
| Net loans and leases to core deposits | 89.7068% | 2,376 |
| Total domestic deposits to total assets | 87.6531% | 1,248 |
| Equity capital to assets | 11.8832% | 2,153 |
| Core capital (leverage) ratio | 11.0461% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7192% | 2,380 |
| Memoranda: | ||
| Average total assets | $1,009,876,000 | 812 |
| Average earning assets | $945,369,500 | 799 |
| Average equity | $118,837,000 | 808 |
| Average total loans | $746,477,500 | 797 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6915% | 408 |
| Cost of funding earning assets | 0.9616% | 1,896 |
| Net interest margin | 4.7299% | 436 |
| Noninterest income to average assets | 0.5472% | 2,502 |
| Noninterest expense to average assets | 2.9281% | 2,217 |
| Loan and lease loss provision to assets | 0.1877% | 1,095 |
| Net operating income to assets | 1.6888% | 676 |
| Return on assets (ROA) | 1.6864% | 727 |
| Pretax return on assets | 1.9262% | 701 |
| Return on Equity (ROE) | 14.5592% | 786 |
| Retained earnings to average equity (ytd only) | 6.9482% | 1,408 |
| Net charge-offs to loans | 0.2086% | 989 |
| Credit loss provision to net charge-offs | 116.6078% | 2,164 |
| Earnings coverage of net charge-offs (x) | 13.1498% | 2,372 |
| Efficiency ratio | 57.4785% | 4,028 |
| Assets per employee ($millions) | 5.7119% | 1,872 |
| Cash dividends to net income (ytd only)* | 52.2766% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 1,859 |
| Loan loss allowance to noncurrent loans | 81.0477% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.2377% | 927 |
| Noncurrent loans to loans | 1.6204% | 863 |
| Net loans and leases to total assets | 73.0397% | 1,915 |
| Net loans and leases to deposits | 83.1440% | 2,425 |
| Net loans and leases to core deposits | 89.8334% | 2,440 |
| Total domestic deposits to total assets | 87.8472% | 1,199 |
| Equity capital to assets | 11.6494% | 2,384 |
| Core capital (leverage) ratio | 10.3832% | 3,090 |
| Tier 1 risk-based capital ratio | 12.3596% | 4,153 |
| Total risk-based capital ratio | 13.5303% | 4,067 |
| Memoranda: | ||
| Average total assets | $879,069,400 | 894 |
| Average earning assets | $835,902,800 | 866 |
| Average equity | $101,825,600 | 888 |
| Average total loans | $678,265,600 | 830 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7561% | 381 |
| Cost of funding earning assets | 0.9926% | 1,797 |
| Net interest margin | 4.7635% | 445 |
| Noninterest income to average assets | 0.5041% | 2,703 |
| Noninterest expense to average assets | 2.9784% | 2,037 |
| Loan and lease loss provision to assets | 0.2120% | 821 |
| Net operating income to assets | 1.7483% | 679 |
| Return on assets (ROA) | 1.7447% | 719 |
| Pretax return on assets | 1.8509% | 979 |
| Return on Equity (ROE) | 15.0876% | 759 |
| Retained earnings to average equity (ytd only) | 9.9946% | 750 |
| Net charge-offs to loans | 0.2506% | 703 |
| Credit loss provision to net charge-offs | 108.3467% | 2,114 |
| Earnings coverage of net charge-offs (x) | 10.5610% | 2,493 |
| Efficiency ratio | 58.5282% | 3,860 |
| Assets per employee ($millions) | 5.4462% | 2,081 |
| Cash dividends to net income (ytd only)* | 33.7564% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 1,803 |
| Loan loss allowance to noncurrent loans | 84.8305% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.2534% | 989 |
| Noncurrent loans to loans | 1.5789% | 938 |
| Net loans and leases to total assets | 73.6594% | 1,885 |
| Net loans and leases to deposits | 84.4979% | 2,384 |
| Net loans and leases to core deposits | 92.4270% | 2,324 |
| Total domestic deposits to total assets | 87.1731% | 1,439 |
| Equity capital to assets | 12.2290% | 2,096 |
| Core capital (leverage) ratio | 11.0828% | 2,572 |
| Tier 1 risk-based capital ratio | 13.4105% | 3,628 |
| Total risk-based capital ratio | 14.6604% | 3,527 |
| Memoranda: | ||
| Average total assets | $848,941,500 | 929 |
| Average earning assets | $809,277,750 | 893 |
| Average equity | $98,170,750 | 915 |
| Average total loans | $662,880,250 | 845 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6213% | 457 |
| Cost of funding earning assets | 1.0262% | 1,580 |
| Net interest margin | 4.5951% | 625 |
| Noninterest income to average assets | 0.5436% | 2,418 |
| Noninterest expense to average assets | 3.0827% | 1,781 |
| Loan and lease loss provision to assets | 0.2031% | 836 |
| Net operating income to assets | 1.7016% | 725 |
| Return on assets (ROA) | 1.6957% | 758 |
| Pretax return on assets | 1.6447% | 1,415 |
| Return on Equity (ROE) | 15.0030% | 755 |
| Retained earnings to average equity (ytd only) | 6.8350% | 1,882 |
| Net charge-offs to loans | 0.2665% | 627 |
| Credit loss provision to net charge-offs | 95.9302% | 2,065 |
| Earnings coverage of net charge-offs (x) | 8.7558% | 2,386 |
| Efficiency ratio | 62.0736% | 3,422 |
| Assets per employee ($millions) | 5.5741% | 1,901 |
| Cash dividends to net income (ytd only)* | 54.4425% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 1,991 |
| Loan loss allowance to noncurrent loans | 63.2753% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.6594% | 641 |
| Noncurrent loans to loans | 2.0634% | 680 |
| Net loans and leases to total assets | 77.1743% | 1,359 |
| Net loans and leases to deposits | 88.3688% | 1,958 |
| Net loans and leases to core deposits | 96.2077% | 2,046 |
| Total domestic deposits to total assets | 87.3321% | 1,414 |
| Equity capital to assets | 12.1429% | 2,086 |
| Core capital (leverage) ratio | 10.6608% | 2,924 |
| Tier 1 risk-based capital ratio | 12.6591% | 4,039 |
| Total risk-based capital ratio | 13.8737% | 3,950 |
| Memoranda: | ||
| Average total assets | $812,413,670 | 962 |
| Average earning assets | $776,656,000 | 928 |
| Average equity | $91,821,670 | 960 |
| Average total loans | $645,297,330 | 859 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5601% | 469 |
| Cost of funding earning assets | 1.0716% | 1,284 |
| Net interest margin | 4.4885% | 760 |
| Noninterest income to average assets | 0.6482% | 1,825 |
| Noninterest expense to average assets | 2.9811% | 2,046 |
| Loan and lease loss provision to assets | 0.1984% | 813 |
| Net operating income to assets | 2.4641% | 172 |
| Return on assets (ROA) | 2.4535% | 186 |
| Pretax return on assets | 1.7779% | 1,021 |
| Return on Equity (ROE) | 22.7435% | 153 |
| Retained earnings to average equity (ytd only) | 11.7077% | 668 |
| Net charge-offs to loans | 0.1056% | 1,104 |
| Credit loss provision to net charge-offs | 234.3750% | 957 |
| Earnings coverage of net charge-offs (x) | 23.4688% | 1,472 |
| Efficiency ratio | 59.8786% | 3,821 |
| Assets per employee ($millions) | 5.9093% | 1,617 |
| Cash dividends to net income (ytd only)* | 48.5228% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6197% | 1,022 |
| Loan loss allowance to noncurrent loans | 101.1371% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.2705% | 1,041 |
| Noncurrent loans to loans | 1.6015% | 988 |
| Net loans and leases to total assets | 77.2478% | 1,281 |
| Net loans and leases to deposits | 88.4302% | 1,818 |
| Net loans and leases to core deposits | 99.9720% | 1,625 |
| Total domestic deposits to total assets | 87.3545% | 1,638 |
| Equity capital to assets | 10.9165% | 2,935 |
| Core capital (leverage) ratio | 10.6216% | 2,921 |
| Tier 1 risk-based capital ratio | 12.4856% | 4,178 |
| Total risk-based capital ratio | 13.7386% | 4,047 |
| Memoranda: | ||
| Average total assets | $755,966,500 | 1,022 |
| Average earning assets | $727,540,500 | 987 |
| Average equity | $81,553,000 | 1,054 |
| Average total loans | $606,172,500 | 911 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5673% | 347 |
| Cost of funding earning assets | 0.8265% | 1,414 |
| Net interest margin | 4.7408% | 452 |
| Noninterest income to average assets | 0.4308% | 3,236 |
| Noninterest expense to average assets | 2.6368% | 3,220 |
| Loan and lease loss provision to assets | 0.1992% | 952 |
| Net operating income to assets | 2.1469% | 275 |
| Return on assets (ROA) | 2.1464% | 269 |
| Pretax return on assets | 2.1464% | 399 |
| Return on Equity (ROE) | 20.6512% | 221 |
| Retained earnings to average equity (ytd only) | 13.3195% | 207 |
| Net charge-offs to loans | 0.2323% | 839 |
| Credit loss provision to net charge-offs | 104.6256% | 2,431 |
| Earnings coverage of net charge-offs (x) | 12.3194% | 2,541 |
| Efficiency ratio | 52.7766% | 4,734 |
| Assets per employee ($millions) | 5.6363% | 1,826 |
| Cash dividends to net income (ytd only)* | 35.5026% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 1,165 |
| Loan loss allowance to noncurrent loans | 121.1939% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.1223% | 1,189 |
| Noncurrent loans to loans | 1.2745% | 1,247 |
| Net loans and leases to total assets | 80.6140% | 848 |
| Net loans and leases to deposits | 91.8422% | 1,568 |
| Net loans and leases to core deposits | 111.0281% | 939 |
| Total domestic deposits to total assets | 87.7745% | 1,403 |
| Equity capital to assets | 10.6571% | 3,020 |
| Core capital (leverage) ratio | 10.6798% | 2,855 |
| Tier 1 risk-based capital ratio | 12.0947% | 4,367 |
| Total risk-based capital ratio | 13.3474% | 4,254 |
| Memoranda: | ||
| Average total assets | $715,182,400 | 1,043 |
| Average earning assets | $686,720,000 | 1,003 |
| Average equity | $74,334,600 | 1,101 |
| Average total loans | $586,398,400 | 919 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5027% | 358 |
| Cost of funding earning assets | 0.7748% | 1,448 |
| Net interest margin | 4.7279% | 442 |
| Noninterest income to average assets | 0.4440% | 3,210 |
| Noninterest expense to average assets | 2.6712% | 3,061 |
| Loan and lease loss provision to assets | 0.2264% | 723 |
| Net operating income to assets | 2.0819% | 321 |
| Return on assets (ROA) | 2.0814% | 319 |
| Pretax return on assets | 2.0814% | 507 |
| Return on Equity (ROE) | 20.1605% | 268 |
| Retained earnings to average equity (ytd only) | 10.1991% | 856 |
| Net charge-offs to loans | 0.2567% | 654 |
| Credit loss provision to net charge-offs | 107.5269% | 2,144 |
| Earnings coverage of net charge-offs (x) | 10.9615% | 2,555 |
| Efficiency ratio | 53.5034% | 4,654 |
| Assets per employee ($millions) | 5.4378% | 1,977 |
| Cash dividends to net income (ytd only)* | 49.4107% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5867% | 1,108 |
| Loan loss allowance to noncurrent loans | 114.7325% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.2055% | 1,156 |
| Noncurrent loans to loans | 1.3829% | 1,204 |
| Net loans and leases to total assets | 82.0997% | 697 |
| Net loans and leases to deposits | 93.3892% | 1,454 |
| Net loans and leases to core deposits | 107.8761% | 1,174 |
| Total domestic deposits to total assets | 87.9114% | 1,276 |
| Equity capital to assets | 10.4259% | 3,210 |
| Core capital (leverage) ratio | 10.2792% | 3,322 |
| Tier 1 risk-based capital ratio | 11.7335% | 4,640 |
| Total risk-based capital ratio | 12.9867% | 4,536 |
| Memoranda: | ||
| Average total assets | $706,570,750 | 1,051 |
| Average earning assets | $677,834,250 | 1,021 |
| Average equity | $72,946,000 | 1,117 |
| Average total loans | $579,551,250 | 928 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4304% | 367 |
| Cost of funding earning assets | 0.7199% | 1,524 |
| Net interest margin | 4.7104% | 425 |
| Noninterest income to average assets | 0.4451% | 3,188 |
| Noninterest expense to average assets | 2.7110% | 2,978 |
| Loan and lease loss provision to assets | 0.1352% | 1,457 |
| Net operating income to assets | 2.1157% | 303 |
| Return on assets (ROA) | 2.1149% | 300 |
| Pretax return on assets | 2.1149% | 476 |
| Return on Equity (ROE) | 20.5541% | 230 |
| Retained earnings to average equity (ytd only) | 10.3213% | 833 |
| Net charge-offs to loans | 0.2397% | 662 |
| Credit loss provision to net charge-offs | 69.1412% | 2,360 |
| Earnings coverage of net charge-offs (x) | 11.5138% | 2,263 |
| Efficiency ratio | 54.4933% | 4,634 |
| Assets per employee ($millions) | 5.5619% | 1,832 |
| Cash dividends to net income (ytd only)* | 49.7847% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 1,178 |
| Loan loss allowance to noncurrent loans | 143.8662% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.9498% | 1,593 |
| Noncurrent loans to loans | 1.0910% | 1,618 |
| Net loans and leases to total assets | 80.4615% | 946 |
| Net loans and leases to deposits | 91.6859% | 1,625 |
| Net loans and leases to core deposits | 108.0038% | 1,117 |
| Total domestic deposits to total assets | 87.7578% | 1,502 |
| Equity capital to assets | 10.2329% | 3,409 |
| Core capital (leverage) ratio | 10.2206% | 3,339 |
| Tier 1 risk-based capital ratio | 12.0099% | 4,487 |
| Total risk-based capital ratio | 13.2634% | 4,361 |
| Memoranda: | ||
| Average total assets | $702,833,330 | 1,059 |
| Average earning assets | $673,952,000 | 1,027 |
| Average equity | $72,316,330 | 1,125 |
| Average total loans | $573,135,330 | 935 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3371% | 378 |
| Cost of funding earning assets | 0.6848% | 1,524 |
| Net interest margin | 4.6523% | 444 |
| Noninterest income to average assets | 0.4423% | 3,161 |
| Noninterest expense to average assets | 2.7905% | 2,723 |
| Loan and lease loss provision to assets | 0.1006% | 1,844 |
| Net operating income to assets | 2.0089% | 369 |
| Return on assets (ROA) | 2.0072% | 368 |
| Pretax return on assets | 2.0072% | 564 |
| Return on Equity (ROE) | 19.4525% | 290 |
| Retained earnings to average equity (ytd only) | 16.6656% | 211 |
| Net charge-offs to loans | 0.0974% | 1,203 |
| Credit loss provision to net charge-offs | 126.8116% | 1,352 |
| Earnings coverage of net charge-offs (x) | 26.5797% | 1,319 |
| Efficiency ratio | 56.8075% | 4,488 |
| Assets per employee ($millions) | 5.6090% | 1,840 |
| Cash dividends to net income (ytd only)* | 14.3266% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 1,052 |
| Loan loss allowance to noncurrent loans | 137.0091% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.0207% | 1,537 |
| Noncurrent loans to loans | 1.2043% | 1,510 |
| Net loans and leases to total assets | 79.1182% | 1,060 |
| Net loans and leases to deposits | 90.0871% | 1,682 |
| Net loans and leases to core deposits | 111.4231% | 921 |
| Total domestic deposits to total assets | 87.8240% | 1,714 |
| Equity capital to assets | 10.2301% | 3,359 |
| Core capital (leverage) ratio | 10.3005% | 3,190 |
| Tier 1 risk-based capital ratio | 12.3750% | 4,326 |
| Total risk-based capital ratio | 13.6298% | 4,212 |
| Memoranda: | ||
| Average total assets | $695,504,500 | 1,073 |
| Average earning assets | $666,429,500 | 1,048 |
| Average equity | $71,764,500 | 1,139 |
| Average total loans | $566,448,000 | 946 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4212% | 300 |
| Cost of funding earning assets | 0.5975% | 1,612 |
| Net interest margin | 4.8237% | 334 |
| Noninterest income to average assets | 0.4417% | 3,360 |
| Noninterest expense to average assets | 2.7466% | 2,970 |
| Loan and lease loss provision to assets | 0.1521% | 1,481 |
| Net operating income to assets | 2.1576% | 208 |
| Return on assets (ROA) | 2.1518% | 216 |
| Pretax return on assets | 2.1518% | 347 |
| Return on Equity (ROE) | 20.6899% | 169 |
| Retained earnings to average equity (ytd only) | 11.8397% | 185 |
| Net charge-offs to loans | 0.0955% | 2,126 |
| Credit loss provision to net charge-offs | 191.9291% | 1,420 |
| Earnings coverage of net charge-offs (x) | 29.1437% | 1,577 |
| Efficiency ratio | 54.1637% | 4,940 |
| Assets per employee ($millions) | 5.5628% | 1,875 |
| Cash dividends to net income (ytd only)* | 42.7753% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 974 |
| Loan loss allowance to noncurrent loans | 130.0469% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.1934% | 1,242 |
| Noncurrent loans to loans | 1.2936% | 1,354 |
| Net loans and leases to total assets | 81.1048% | 817 |
| Net loans and leases to deposits | 92.7885% | 1,409 |
| Net loans and leases to core deposits | 114.8302% | 761 |
| Total domestic deposits to total assets | 87.4082% | 1,810 |
| Equity capital to assets | 10.4109% | 3,254 |
| Core capital (leverage) ratio | 10.3199% | 3,050 |
| Tier 1 risk-based capital ratio | 12.1364% | 4,438 |
| Total risk-based capital ratio | 13.3915% | 4,331 |
| Memoranda: | ||
| Average total assets | $640,999,800 | 1,134 |
| Average earning assets | $613,219,400 | 1,098 |
| Average equity | $66,665,400 | 1,198 |
| Average total loans | $532,095,600 | 963 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4106% | 294 |
| Cost of funding earning assets | 0.5715% | 1,731 |
| Net interest margin | 4.8391% | 312 |
| Noninterest income to average assets | 0.4364% | 3,432 |
| Noninterest expense to average assets | 2.7395% | 2,930 |
| Loan and lease loss provision to assets | 0.1425% | 1,482 |
| Net operating income to assets | 2.1841% | 219 |
| Return on assets (ROA) | 2.1763% | 229 |
| Pretax return on assets | 2.1763% | 384 |
| Return on Equity (ROE) | 20.9310% | 179 |
| Retained earnings to average equity (ytd only) | 10.9822% | 417 |
| Net charge-offs to loans | 0.0919% | 1,870 |
| Credit loss provision to net charge-offs | 186.4641% | 1,423 |
| Earnings coverage of net charge-offs (x) | 30.4450% | 1,537 |
| Efficiency ratio | 53.9170% | 4,941 |
| Assets per employee ($millions) | 5.3135% | 2,105 |
| Cash dividends to net income (ytd only)* | 47.5313% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 1,036 |
| Loan loss allowance to noncurrent loans | 160.4816% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0134% | 1,673 |
| Noncurrent loans to loans | 1.0587% | 1,824 |
| Net loans and leases to total assets | 81.3397% | 784 |
| Net loans and leases to deposits | 93.3831% | 1,369 |
| Net loans and leases to core deposits | 118.9082% | 622 |
| Total domestic deposits to total assets | 87.1033% | 1,825 |
| Equity capital to assets | 10.3814% | 3,501 |
| Core capital (leverage) ratio | 10.1800% | 3,336 |
| Tier 1 risk-based capital ratio | 12.0755% | 4,557 |
| Total risk-based capital ratio | 13.3311% | 4,445 |
| Memoranda: | ||
| Average total assets | $631,584,000 | 1,150 |
| Average earning assets | $604,259,750 | 1,112 |
| Average equity | $65,668,000 | 1,222 |
| Average total loans | $525,158,000 | 979 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3808% | 285 |
| Cost of funding earning assets | 0.5210% | 2,004 |
| Net interest margin | 4.8598% | 284 |
| Noninterest income to average assets | 0.4993% | 3,033 |
| Noninterest expense to average assets | 2.7246% | 2,999 |
| Loan and lease loss provision to assets | 0.1526% | 1,318 |
| Net operating income to assets | 2.2674% | 189 |
| Return on assets (ROA) | 2.2555% | 192 |
| Pretax return on assets | 2.2555% | 320 |
| Return on Equity (ROE) | 21.6811% | 150 |
| Retained earnings to average equity (ytd only) | 11.1803% | 412 |
| Net charge-offs to loans | 0.1015% | 1,609 |
| Credit loss provision to net charge-offs | 180.6084% | 1,354 |
| Earnings coverage of net charge-offs (x) | 28.6388% | 1,498 |
| Efficiency ratio | 52.7979% | 5,110 |
| Assets per employee ($millions) | 5.1989% | 2,157 |
| Cash dividends to net income (ytd only)* | 48.4330% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 1,022 |
| Loan loss allowance to noncurrent loans | 170.0761% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 1.1635% | 1,471 |
| Noncurrent loans to loans | 1.0099% | 1,942 |
| Net loans and leases to total assets | 81.3218% | 770 |
| Net loans and leases to deposits | 93.2919% | 1,331 |
| Net loans and leases to core deposits | 120.1390% | 555 |
| Total domestic deposits to total assets | 87.1692% | 1,868 |
| Equity capital to assets | 10.3454% | 3,521 |
| Core capital (leverage) ratio | 10.0417% | 3,488 |
| Tier 1 risk-based capital ratio | 11.8340% | 4,737 |
| Total risk-based capital ratio | 13.0895% | 4,625 |
| Memoranda: | ||
| Average total assets | $622,485,330 | 1,168 |
| Average earning assets | $595,009,330 | 1,130 |
| Average equity | $64,757,000 | 1,234 |
| Average total loans | $518,479,330 | 988 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1978% | 382 |
| Cost of funding earning assets | 0.4769% | 2,279 |
| Net interest margin | 4.7208% | 362 |
| Noninterest income to average assets | 0.5129% | 2,892 |
| Noninterest expense to average assets | 2.6745% | 3,242 |
| Loan and lease loss provision to assets | 0.1145% | 1,674 |
| Net operating income to assets | 2.2310% | 215 |
| Return on assets (ROA) | 2.2336% | 220 |
| Pretax return on assets | 2.2336% | 335 |
| Return on Equity (ROE) | 21.4081% | 175 |
| Retained earnings to average equity (ytd only) | 17.6457% | 148 |
| Net charge-offs to loans | 0.1526% | 1,046 |
| Credit loss provision to net charge-offs | 89.7436% | 1,692 |
| Earnings coverage of net charge-offs (x) | 18.3846% | 1,568 |
| Efficiency ratio | 53.1083% | 5,195 |
| Assets per employee ($millions) | 5.1106% | 2,289 |
| Cash dividends to net income (ytd only)* | 17.5747% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 1,094 |
| Loan loss allowance to noncurrent loans | 144.6154% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.3741% | 1,224 |
| Noncurrent loans to loans | 1.1952% | 1,688 |
| Net loans and leases to total assets | 82.7905% | 481 |
| Net loans and leases to deposits | 95.1994% | 988 |
| Net loans and leases to core deposits | 118.1122% | 521 |
| Total domestic deposits to total assets | 86.9653% | 2,232 |
| Equity capital to assets | 10.6557% | 3,005 |
| Core capital (leverage) ratio | 10.4299% | 2,984 |
| Tier 1 risk-based capital ratio | 12.2765% | 4,522 |
| Total risk-based capital ratio | 13.5325% | 4,423 |
| Memoranda: | ||
| Average total assets | $611,395,000 | 1,190 |
| Average earning assets | $583,712,500 | 1,150 |
| Average equity | $63,789,000 | 1,245 |
| Average total loans | $511,011,000 | 995 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4251% | 280 |
| Cost of funding earning assets | 0.5102% | 2,013 |
| Net interest margin | 4.9148% | 286 |
| Noninterest income to average assets | 0.3916% | 3,956 |
| Noninterest expense to average assets | 2.7860% | 3,070 |
| Loan and lease loss provision to assets | 0.3038% | 619 |
| Net operating income to assets | 1.9675% | 342 |
| Return on assets (ROA) | 1.9742% | 360 |
| Pretax return on assets | 1.9742% | 534 |
| Return on Equity (ROE) | 18.5770% | 285 |
| Retained earnings to average equity (ytd only) | 8.7719% | 636 |
| Net charge-offs to loans | 0.2193% | 1,259 |
| Credit loss provision to net charge-offs | 172.8088% | 1,608 |
| Earnings coverage of net charge-offs (x) | 12.9183% | 2,410 |
| Efficiency ratio | 54.9084% | 5,160 |
| Assets per employee ($millions) | 5.3002% | 2,056 |
| Cash dividends to net income (ytd only)* | 52.7810% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7710% | 997 |
| Loan loss allowance to noncurrent loans | 169.8292% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.2233% | 1,465 |
| Noncurrent loans to loans | 1.0428% | 1,993 |
| Net loans and leases to total assets | 81.4433% | 680 |
| Net loans and leases to deposits | 93.2478% | 1,271 |
| Net loans and leases to core deposits | 108.1892% | 1,011 |
| Total domestic deposits to total assets | 87.3407% | 1,960 |
| Equity capital to assets | 10.2097% | 3,483 |
| Core capital (leverage) ratio | 10.1816% | 3,248 |
| Tier 1 risk-based capital ratio | 11.8829% | 4,805 |
| Total risk-based capital ratio | 13.1392% | 4,689 |
| Memoranda: | ||
| Average total assets | $571,029,600 | 1,222 |
| Average earning assets | $542,096,000 | 1,184 |
| Average equity | $60,682,600 | 1,281 |
| Average total loans | $457,765,200 | 1,065 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3977% | 298 |
| Cost of funding earning assets | 0.5234% | 1,917 |
| Net interest margin | 4.8743% | 319 |
| Noninterest income to average assets | 0.3700% | 4,130 |
| Noninterest expense to average assets | 2.7870% | 3,051 |
| Loan and lease loss provision to assets | 0.2791% | 621 |
| Net operating income to assets | 1.9246% | 385 |
| Return on assets (ROA) | 1.9337% | 400 |
| Pretax return on assets | 1.9337% | 654 |
| Return on Equity (ROE) | 18.0041% | 360 |
| Retained earnings to average equity (ytd only) | 8.7168% | 902 |
| Net charge-offs to loans | 0.2096% | 1,113 |
| Credit loss provision to net charge-offs | 167.6177% | 1,649 |
| Earnings coverage of net charge-offs (x) | 13.2369% | 2,327 |
| Efficiency ratio | 55.6581% | 5,095 |
| Assets per employee ($millions) | 5.1523% | 2,187 |
| Cash dividends to net income (ytd only)* | 51.5844% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8458% | 932 |
| Loan loss allowance to noncurrent loans | 171.3920% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 1.8965% | 846 |
| Noncurrent loans to loans | 1.0770% | 2,099 |
| Net loans and leases to total assets | 80.8270% | 779 |
| Net loans and leases to deposits | 93.4579% | 1,324 |
| Net loans and leases to core deposits | 109.4719% | 955 |
| Total domestic deposits to total assets | 86.4849% | 2,134 |
| Equity capital to assets | 10.9031% | 3,127 |
| Core capital (leverage) ratio | 10.5429% | 2,945 |
| Tier 1 risk-based capital ratio | 12.4002% | 4,536 |
| Total risk-based capital ratio | 13.6572% | 4,429 |
| Memoranda: | ||
| Average total assets | $561,407,000 | 1,243 |
| Average earning assets | $532,191,500 | 1,205 |
| Average equity | $60,295,750 | 1,294 |
| Average total loans | $445,865,750 | 1,097 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2035% | 423 |
| Cost of funding earning assets | 0.5418% | 1,767 |
| Net interest margin | 4.6617% | 446 |
| Noninterest income to average assets | 0.4381% | 3,613 |
| Noninterest expense to average assets | 2.7137% | 3,346 |
| Loan and lease loss provision to assets | 0.3137% | 557 |
| Net operating income to assets | 1.8369% | 448 |
| Return on assets (ROA) | 1.8498% | 464 |
| Pretax return on assets | 1.8498% | 788 |
| Return on Equity (ROE) | 17.3128% | 411 |
| Retained earnings to average equity (ytd only) | 7.2472% | 1,488 |
| Net charge-offs to loans | 0.2149% | 1,091 |
| Credit loss provision to net charge-offs | 186.1702% | 1,369 |
| Earnings coverage of net charge-offs (x) | 12.7638% | 2,167 |
| Efficiency ratio | 55.7889% | 5,164 |
| Assets per employee ($millions) | 4.9681% | 2,337 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9237% | 857 |
| Loan loss allowance to noncurrent loans | 159.4085% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 2.1494% | 730 |
| Noncurrent loans to loans | 1.2067% | 1,910 |
| Net loans and leases to total assets | 79.7329% | 949 |
| Net loans and leases to deposits | 92.2776% | 1,475 |
| Net loans and leases to core deposits | 108.3677% | 1,018 |
| Total domestic deposits to total assets | 86.4054% | 2,215 |
| Equity capital to assets | 10.9860% | 3,074 |
| Core capital (leverage) ratio | 10.2396% | 3,281 |
| Tier 1 risk-based capital ratio | 12.5680% | 4,466 |
| Total risk-based capital ratio | 13.8260% | 4,374 |
| Memoranda: | ||
| Average total assets | $557,906,330 | 1,252 |
| Average earning assets | $529,722,670 | 1,219 |
| Average equity | $59,609,000 | 1,307 |
| Average total loans | $437,504,330 | 1,116 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0540% | 528 |
| Cost of funding earning assets | 0.5195% | 1,947 |
| Net interest margin | 4.5345% | 571 |
| Noninterest income to average assets | 0.4163% | 3,710 |
| Noninterest expense to average assets | 2.6760% | 3,509 |
| Loan and lease loss provision to assets | 0.3564% | 417 |
| Net operating income to assets | 1.6959% | 584 |
| Return on assets (ROA) | 1.7194% | 586 |
| Pretax return on assets | 1.7194% | 1,021 |
| Return on Equity (ROE) | 16.3188% | 502 |
| Retained earnings to average equity (ytd only) | 16.3188% | 179 |
| Net charge-offs to loans | 0.3407% | 653 |
| Credit loss provision to net charge-offs | 135.8696% | 1,337 |
| Earnings coverage of net charge-offs (x) | 7.8234% | 2,113 |
| Efficiency ratio | 56.5958% | 5,137 |
| Assets per employee ($millions) | 5.1826% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9292% | 927 |
| Loan loss allowance to noncurrent loans | 71.4922% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 2.5836% | 561 |
| Noncurrent loans to loans | 2.6984% | 660 |
| Net loans and leases to total assets | 75.1518% | 1,525 |
| Net loans and leases to deposits | 86.6440% | 1,994 |
| Net loans and leases to core deposits | 106.0129% | 1,076 |
| Total domestic deposits to total assets | 86.7364% | 2,334 |
| Equity capital to assets | 10.7253% | 3,225 |
| Core capital (leverage) ratio | 10.4229% | 3,051 |
| Tier 1 risk-based capital ratio | 12.8525% | 4,356 |
| Total risk-based capital ratio | 14.1101% | 4,258 |
| Memoranda: | ||
| Average total assets | $561,132,500 | 1,250 |
| Average earning assets | $533,601,500 | 1,212 |
| Average equity | $59,122,000 | 1,310 |
| Average total loans | $432,099,500 | 1,126 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2294% | 409 |
| Cost of funding earning assets | 0.5509% | 1,748 |
| Net interest margin | 4.6785% | 471 |
| Noninterest income to average assets | 0.4772% | 3,482 |
| Noninterest expense to average assets | 2.6591% | 3,734 |
| Loan and lease loss provision to assets | 0.1802% | 1,255 |
| Net operating income to assets | 2.0993% | 297 |
| Return on assets (ROA) | 2.0987% | 301 |
| Pretax return on assets | 2.0987% | 436 |
| Return on Equity (ROE) | 20.3533% | 231 |
| Retained earnings to average equity (ytd only) | 13.0307% | 202 |
| Net charge-offs to loans | 0.1990% | 1,470 |
| Credit loss provision to net charge-offs | 116.0934% | 2,207 |
| Earnings coverage of net charge-offs (x) | 14.6867% | 2,271 |
| Efficiency ratio | 53.8435% | 5,530 |
| Assets per employee ($millions) | 5.4644% | 1,847 |
| Cash dividends to net income (ytd only)* | 35.9771% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9056% | 948 |
| Loan loss allowance to noncurrent loans | 67.3799% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.5256% | 612 |
| Noncurrent loans to loans | 2.8281% | 597 |
| Net loans and leases to total assets | 75.9101% | 1,438 |
| Net loans and leases to deposits | 87.2530% | 1,966 |
| Net loans and leases to core deposits | 106.9421% | 1,050 |
| Total domestic deposits to total assets | 86.9999% | 2,136 |
| Equity capital to assets | 10.3445% | 3,571 |
| Core capital (leverage) ratio | 10.3177% | 3,139 |
| Tier 1 risk-based capital ratio | 12.3681% | 4,717 |
| Total risk-based capital ratio | 13.6254% | 4,603 |
| Memoranda: | ||
| Average total assets | $524,467,600 | 1,289 |
| Average earning assets | $500,112,600 | 1,250 |
| Average equity | $54,079,800 | 1,381 |
| Average total loans | $409,021,200 | 1,128 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2129% | 436 |
| Cost of funding earning assets | 0.5471% | 1,828 |
| Net interest margin | 4.6659% | 479 |
| Noninterest income to average assets | 0.5581% | 2,997 |
| Noninterest expense to average assets | 2.6369% | 3,754 |
| Loan and lease loss provision to assets | 0.2247% | 825 |
| Net operating income to assets | 2.1483% | 283 |
| Return on assets (ROA) | 2.1475% | 298 |
| Pretax return on assets | 2.1475% | 461 |
| Return on Equity (ROE) | 20.8448% | 226 |
| Retained earnings to average equity (ytd only) | 13.0734% | 271 |
| Net charge-offs to loans | 0.2333% | 1,127 |
| Credit loss provision to net charge-offs | 123.2295% | 1,947 |
| Earnings coverage of net charge-offs (x) | 13.0142% | 2,361 |
| Efficiency ratio | 52.6343% | 5,608 |
| Assets per employee ($millions) | 5.4992% | 1,787 |
| Cash dividends to net income (ytd only)* | 37.2820% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9863% | 931 |
| Loan loss allowance to noncurrent loans | 67.5039% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 2.5227% | 685 |
| Noncurrent loans to loans | 2.9425% | 610 |
| Net loans and leases to total assets | 74.0368% | 1,728 |
| Net loans and leases to deposits | 85.0240% | 2,279 |
| Net loans and leases to core deposits | 105.2803% | 1,151 |
| Total domestic deposits to total assets | 87.0775% | 1,996 |
| Equity capital to assets | 10.1712% | 3,970 |
| Core capital (leverage) ratio | 11.0774% | 2,405 |
| Tier 1 risk-based capital ratio | 12.9549% | 4,450 |
| Total risk-based capital ratio | 14.2133% | 4,371 |
| Memoranda: | ||
| Average total assets | $516,243,000 | 1,310 |
| Average earning assets | $492,558,250 | 1,275 |
| Average equity | $53,185,500 | 1,413 |
| Average total loans | $403,447,500 | 1,145 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1983% | 427 |
| Cost of funding earning assets | 0.5581% | 1,753 |
| Net interest margin | 4.6401% | 489 |
| Noninterest income to average assets | 0.4832% | 3,479 |
| Noninterest expense to average assets | 2.5480% | 4,079 |
| Loan and lease loss provision to assets | 0.3148% | 460 |
| Net operating income to assets | 2.0518% | 336 |
| Return on assets (ROA) | 2.0506% | 353 |
| Pretax return on assets | 2.0506% | 546 |
| Return on Equity (ROE) | 19.8126% | 281 |
| Retained earnings to average equity (ytd only) | 9.4816% | 784 |
| Net charge-offs to loans | 0.3209% | 818 |
| Credit loss provision to net charge-offs | 124.0250% | 1,759 |
| Earnings coverage of net charge-offs (x) | 9.3229% | 2,466 |
| Efficiency ratio | 51.8453% | 5,728 |
| Assets per employee ($millions) | 5.5998% | 1,658 |
| Cash dividends to net income (ytd only)* | 52.1437% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9904% | 1,001 |
| Loan loss allowance to noncurrent loans | 87.7169% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 2.1209% | 1,009 |
| Noncurrent loans to loans | 2.2691% | 1,045 |
| Net loans and leases to total assets | 77.9215% | 1,072 |
| Net loans and leases to deposits | 89.5378% | 1,654 |
| Net loans and leases to core deposits | 121.4273% | 432 |
| Total domestic deposits to total assets | 87.0263% | 2,157 |
| Equity capital to assets | 10.1435% | 3,878 |
| Core capital (leverage) ratio | 10.7920% | 2,621 |
| Tier 1 risk-based capital ratio | 12.5825% | 4,755 |
| Total risk-based capital ratio | 13.8413% | 4,667 |
| Memoranda: | ||
| Average total assets | $505,018,670 | 1,342 |
| Average earning assets | $482,315,670 | 1,306 |
| Average equity | $52,269,670 | 1,441 |
| Average total loans | $399,466,330 | 1,154 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1920% | 410 |
| Cost of funding earning assets | 0.5621% | 1,734 |
| Net interest margin | 4.6299% | 474 |
| Noninterest income to average assets | 0.5479% | 2,960 |
| Noninterest expense to average assets | 2.5281% | 4,178 |
| Loan and lease loss provision to assets | 0.3098% | 451 |
| Net operating income to assets | 2.1306% | 266 |
| Return on assets (ROA) | 2.1282% | 284 |
| Pretax return on assets | 2.1282% | 454 |
| Return on Equity (ROE) | 20.3493% | 256 |
| Retained earnings to average equity (ytd only) | 17.6566% | 157 |
| Net charge-offs to loans | 0.2835% | 845 |
| Credit loss provision to net charge-offs | 138.4892% | 1,315 |
| Earnings coverage of net charge-offs (x) | 10.9101% | 1,904 |
| Efficiency ratio | 50.8826% | 5,861 |
| Assets per employee ($millions) | 5.4491% | 1,837 |
| Cash dividends to net income (ytd only)* | 13.2325% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0915% | 936 |
| Loan loss allowance to noncurrent loans | 118.5276% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.6200% | 1,576 |
| Noncurrent loans to loans | 1.7646% | 1,544 |
| Net loans and leases to total assets | 78.2252% | 890 |
| Net loans and leases to deposits | 91.7679% | 1,213 |
| Net loans and leases to core deposits | 120.0178% | 417 |
| Total domestic deposits to total assets | 85.2424% | 3,288 |
| Equity capital to assets | 10.8850% | 3,107 |
| Core capital (leverage) ratio | 10.8750% | 2,542 |
| Tier 1 risk-based capital ratio | 13.2769% | 4,451 |
| Total risk-based capital ratio | 14.5369% | 4,358 |
| Memoranda: | ||
| Average total assets | $497,139,000 | 1,368 |
| Average earning assets | $474,654,000 | 1,326 |
| Average equity | $51,992,000 | 1,456 |
| Average total loans | $392,180,000 | 1,169 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3212% | 436 |
| Cost of funding earning assets | 0.5674% | 2,068 |
| Net interest margin | 4.7538% | 477 |
| Noninterest income to average assets | 0.5531% | 3,159 |
| Noninterest expense to average assets | 2.4947% | 4,568 |
| Loan and lease loss provision to assets | 0.4671% | 348 |
| Net operating income to assets | 2.1242% | 258 |
| Return on assets (ROA) | 2.1440% | 254 |
| Pretax return on assets | 2.1440% | 367 |
| Return on Equity (ROE) | 21.0084% | 208 |
| Retained earnings to average equity (ytd only) | 7.5786% | 1,168 |
| Net charge-offs to loans | 0.3417% | 1,280 |
| Credit loss provision to net charge-offs | 172.1057% | 1,411 |
| Earnings coverage of net charge-offs (x) | 9.5486% | 2,733 |
| Efficiency ratio | 49.0506% | 6,140 |
| Assets per employee ($millions) | 5.7257% | 1,586 |
| Cash dividends to net income (ytd only)* | 63.9260% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0605% | 1,009 |
| Loan loss allowance to noncurrent loans | 110.1457% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.6570% | 1,622 |
| Noncurrent loans to loans | 1.8707% | 1,515 |
| Net loans and leases to total assets | 76.3003% | 1,217 |
| Net loans and leases to deposits | 88.7044% | 1,650 |
| Net loans and leases to core deposits | 115.8993% | 532 |
| Total domestic deposits to total assets | 86.0163% | 2,829 |
| Equity capital to assets | 10.0429% | 4,055 |
| Core capital (leverage) ratio | 10.5015% | 2,944 |
| Tier 1 risk-based capital ratio | 12.9302% | 4,771 |
| Total risk-based capital ratio | 14.1894% | 4,681 |
| Memoranda: | ||
| Average total assets | $474,243,800 | 1,407 |
| Average earning assets | $452,207,400 | 1,357 |
| Average equity | $48,399,600 | 1,491 |
| Average total loans | $376,684,600 | 1,172 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3576% | 409 |
| Cost of funding earning assets | 0.5671% | 2,132 |
| Net interest margin | 4.7905% | 439 |
| Noninterest income to average assets | 0.6038% | 2,844 |
| Noninterest expense to average assets | 2.5030% | 4,518 |
| Loan and lease loss provision to assets | 0.4327% | 367 |
| Net operating income to assets | 2.2305% | 224 |
| Return on assets (ROA) | 2.2574% | 217 |
| Pretax return on assets | 2.2574% | 330 |
| Return on Equity (ROE) | 22.0243% | 189 |
| Retained earnings to average equity (ytd only) | 8.0919% | 1,312 |
| Net charge-offs to loans | 0.3946% | 1,008 |
| Credit loss provision to net charge-offs | 137.3527% | 1,703 |
| Earnings coverage of net charge-offs (x) | 8.4542% | 2,797 |
| Efficiency ratio | 48.4493% | 6,178 |
| Assets per employee ($millions) | 5.3819% | 1,834 |
| Cash dividends to net income (ytd only)* | 63.2591% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9861% | 1,283 |
| Loan loss allowance to noncurrent loans | 97.6154% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.8667% | 1,578 |
| Noncurrent loans to loans | 2.0347% | 1,548 |
| Net loans and leases to total assets | 78.0234% | 958 |
| Net loans and leases to deposits | 92.0801% | 1,216 |
| Net loans and leases to core deposits | 124.6015% | 302 |
| Total domestic deposits to total assets | 84.7342% | 3,445 |
| Equity capital to assets | 10.3421% | 3,744 |
| Core capital (leverage) ratio | 10.7597% | 2,746 |
| Tier 1 risk-based capital ratio | 13.2191% | 4,719 |
| Total risk-based capital ratio | 14.4788% | 4,646 |
| Memoranda: | ||
| Average total assets | $466,840,250 | 1,445 |
| Average earning assets | $444,617,000 | 1,390 |
| Average equity | $47,849,000 | 1,512 |
| Average total loans | $372,722,500 | 1,192 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2518% | 468 |
| Cost of funding earning assets | 0.5594% | 2,269 |
| Net interest margin | 4.6925% | 492 |
| Noninterest income to average assets | 0.4892% | 3,559 |
| Noninterest expense to average assets | 2.4637% | 4,685 |
| Loan and lease loss provision to assets | 0.3371% | 542 |
| Net operating income to assets | 2.1547% | 248 |
| Return on assets (ROA) | 2.1954% | 238 |
| Pretax return on assets | 2.1954% | 366 |
| Return on Equity (ROE) | 21.4861% | 222 |
| Retained earnings to average equity (ytd only) | 7.3171% | 1,604 |
| Net charge-offs to loans | 0.0422% | 3,384 |
| Credit loss provision to net charge-offs | 1,000.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 73.9231% | 706 |
| Efficiency ratio | 49.7166% | 6,184 |
| Assets per employee ($millions) | 5.5913% | 1,613 |
| Cash dividends to net income (ytd only)* | 65.9449% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0108% | 1,339 |
| Loan loss allowance to noncurrent loans | 60.8154% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 2.9957% | 847 |
| Noncurrent loans to loans | 3.3064% | 838 |
| Net loans and leases to total assets | 81.5640% | 516 |
| Net loans and leases to deposits | 96.4339% | 770 |
| Net loans and leases to core deposits | 130.5410% | 222 |
| Total domestic deposits to total assets | 84.5801% | 3,694 |
| Equity capital to assets | 10.2453% | 3,764 |
| Core capital (leverage) ratio | 10.5644% | 2,871 |
| Tier 1 risk-based capital ratio | 12.7214% | 5,076 |
| Total risk-based capital ratio | 13.9816% | 5,016 |
| Memoranda: | ||
| Average total assets | $462,791,670 | 1,452 |
| Average earning assets | $440,493,670 | 1,397 |
| Average equity | $47,286,330 | 1,517 |
| Average total loans | $369,865,330 | 1,195 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1928% | 490 |
| Cost of funding earning assets | 0.5493% | 2,426 |
| Net interest margin | 4.6435% | 519 |
| Noninterest income to average assets | 0.4328% | 3,929 |
| Noninterest expense to average assets | 2.4077% | 4,907 |
| Loan and lease loss provision to assets | 0.3265% | 557 |
| Net operating income to assets | 2.1151% | 280 |
| Return on assets (ROA) | 2.1970% | 247 |
| Pretax return on assets | 2.1970% | 351 |
| Return on Equity (ROE) | 21.5319% | 221 |
| Retained earnings to average equity (ytd only) | 21.5319% | 95 |
| Net charge-offs to loans | 0.0178% | 3,228 |
| Credit loss provision to net charge-offs | 2,343.7500% | 146 |
| Earnings coverage of net charge-offs (x) | 175.2500% | 284 |
| Efficiency ratio | 49.6498% | 6,275 |
| Assets per employee ($millions) | 5.2570% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0906% | 1,342 |
| Loan loss allowance to noncurrent loans | 74.0788% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 2.4510% | 1,311 |
| Noncurrent loans to loans | 2.8221% | 1,169 |
| Net loans and leases to total assets | 76.9937% | 883 |
| Net loans and leases to deposits | 90.3507% | 1,107 |
| Net loans and leases to core deposits | 116.5513% | 396 |
| Total domestic deposits to total assets | 85.2165% | 3,770 |
| Equity capital to assets | 10.5907% | 3,153 |
| Core capital (leverage) ratio | 11.0679% | 2,333 |
| Tier 1 risk-based capital ratio | 13.7999% | 4,469 |
| Total risk-based capital ratio | 15.0607% | 4,413 |
| Memoranda: | ||
| Average total assets | $459,354,000 | 1,470 |
| Average earning assets | $436,909,000 | 1,414 |
| Average equity | $46,870,000 | 1,528 |
| Average total loans | $359,328,000 | 1,235 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1926% | 650 |
| Cost of funding earning assets | 0.5785% | 2,849 |
| Net interest margin | 4.6141% | 596 |
| Noninterest income to average assets | 0.3924% | 4,504 |
| Noninterest expense to average assets | 2.5396% | 4,647 |
| Loan and lease loss provision to assets | 0.3888% | 774 |
| Net operating income to assets | 1.8930% | 403 |
| Return on assets (ROA) | 1.8916% | 419 |
| Pretax return on assets | 1.8916% | 613 |
| Return on Equity (ROE) | 19.3324% | 320 |
| Retained earnings to average equity (ytd only) | 19.3324% | 89 |
| Net charge-offs to loans | 0.3604% | 1,875 |
| Credit loss provision to net charge-offs | 142.0154% | 1,644 |
| Earnings coverage of net charge-offs (x) | 8.3339% | 2,690 |
| Efficiency ratio | 52.6722% | 6,236 |
| Assets per employee ($millions) | 5.4922% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9944% | 1,563 |
| Loan loss allowance to noncurrent loans | 77.5395% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.2968% | 1,536 |
| Noncurrent loans to loans | 2.5722% | 1,456 |
| Net loans and leases to total assets | 76.2632% | 1,034 |
| Net loans and leases to deposits | 89.1731% | 1,321 |
| Net loans and leases to core deposits | 117.1665% | 392 |
| Total domestic deposits to total assets | 85.5226% | 3,496 |
| Equity capital to assets | 9.8195% | 4,006 |
| Core capital (leverage) ratio | 10.6244% | 2,756 |
| Tier 1 risk-based capital ratio | 12.9679% | 4,992 |
| Total risk-based capital ratio | 14.2270% | 4,942 |
| Memoranda: | ||
| Average total assets | $427,671,400 | 1,547 |
| Average earning assets | $410,528,400 | 1,479 |
| Average equity | $41,846,800 | 1,678 |
| Average total loans | $324,911,800 | 1,314 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1852% | 671 |
| Cost of funding earning assets | 0.5838% | 2,962 |
| Net interest margin | 4.6014% | 618 |
| Noninterest income to average assets | 0.3171% | 5,164 |
| Noninterest expense to average assets | 2.4599% | 4,842 |
| Loan and lease loss provision to assets | 0.4096% | 725 |
| Net operating income to assets | 1.8766% | 458 |
| Return on assets (ROA) | 1.8747% | 467 |
| Pretax return on assets | 1.8747% | 753 |
| Return on Equity (ROE) | 19.1782% | 360 |
| Retained earnings to average equity (ytd only) | 19.1782% | 89 |
| Net charge-offs to loans | 0.4003% | 1,601 |
| Credit loss provision to net charge-offs | 135.5789% | 1,739 |
| Earnings coverage of net charge-offs (x) | 7.5673% | 2,780 |
| Efficiency ratio | 51.8293% | 6,265 |
| Assets per employee ($millions) | 5.0596% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0513% | 1,605 |
| Loan loss allowance to noncurrent loans | 91.9905% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.8052% | 2,267 |
| Noncurrent loans to loans | 2.2299% | 1,979 |
| Net loans and leases to total assets | 76.8818% | 886 |
| Net loans and leases to deposits | 90.3726% | 1,124 |
| Net loans and leases to core deposits | 124.5602% | 255 |
| Total domestic deposits to total assets | 85.0720% | 3,711 |
| Equity capital to assets | 9.9791% | 3,927 |
| Core capital (leverage) ratio | 10.2079% | 3,392 |
| Tier 1 risk-based capital ratio | 13.0587% | 5,087 |
| Total risk-based capital ratio | 14.3187% | 5,032 |
| Memoranda: | ||
| Average total assets | $419,252,750 | 1,583 |
| Average earning assets | $403,546,500 | 1,511 |
| Average equity | $40,983,000 | 1,715 |
| Average total loans | $316,390,500 | 1,343 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1511% | 694 |
| Cost of funding earning assets | 0.5900% | 3,034 |
| Net interest margin | 4.5611% | 633 |
| Noninterest income to average assets | 0.3150% | 5,181 |
| Noninterest expense to average assets | 2.4655% | 4,852 |
| Loan and lease loss provision to assets | 0.4227% | 715 |
| Net operating income to assets | 1.8118% | 506 |
| Return on assets (ROA) | 1.8089% | 547 |
| Pretax return on assets | 1.8089% | 908 |
| Return on Equity (ROE) | 18.6408% | 416 |
| Retained earnings to average equity (ytd only) | 18.6408% | 112 |
| Net charge-offs to loans | 0.4130% | 1,568 |
| Credit loss provision to net charge-offs | 137.5786% | 1,652 |
| Earnings coverage of net charge-offs (x) | 7.2720% | 2,572 |
| Efficiency ratio | 52.4568% | 6,257 |
| Assets per employee ($millions) | 5.0626% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0966% | 1,642 |
| Loan loss allowance to noncurrent loans | 101.8581% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.6926% | 2,572 |
| Noncurrent loans to loans | 2.0584% | 2,325 |
| Net loans and leases to total assets | 73.2279% | 1,366 |
| Net loans and leases to deposits | 87.9164% | 1,345 |
| Net loans and leases to core deposits | 126.8489% | 211 |
| Total domestic deposits to total assets | 83.2927% | 4,590 |
| Equity capital to assets | 9.4229% | 4,683 |
| Core capital (leverage) ratio | 9.7695% | 3,837 |
| Tier 1 risk-based capital ratio | 12.7655% | 5,312 |
| Total risk-based capital ratio | 14.0215% | 5,246 |
| Memoranda: | ||
| Average total assets | $413,960,670 | 1,603 |
| Average earning assets | $397,972,000 | 1,529 |
| Average equity | $40,170,000 | 1,750 |
| Average total loans | $308,007,000 | 1,374 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1413% | 686 |
| Cost of funding earning assets | 0.6108% | 3,005 |
| Net interest margin | 4.5305% | 642 |
| Noninterest income to average assets | 0.3074% | 5,227 |
| Noninterest expense to average assets | 2.5215% | 4,683 |
| Loan and lease loss provision to assets | 0.3743% | 853 |
| Net operating income to assets | 1.7578% | 510 |
| Return on assets (ROA) | 1.7519% | 576 |
| Pretax return on assets | 1.7519% | 969 |
| Return on Equity (ROE) | 17.7706% | 452 |
| Retained earnings to average equity (ytd only) | 17.7706% | 205 |
| Net charge-offs to loans | 0.6499% | 944 |
| Credit loss provision to net charge-offs | 77.6398% | 2,188 |
| Earnings coverage of net charge-offs (x) | 4.4224% | 2,563 |
| Efficiency ratio | 54.1828% | 6,212 |
| Assets per employee ($millions) | 4.9501% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1291% | 1,731 |
| Loan loss allowance to noncurrent loans | 94.9899% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.8854% | 2,494 |
| Noncurrent loans to loans | 2.2414% | 2,338 |
| Net loans and leases to total assets | 71.6686% | 1,405 |
| Net loans and leases to deposits | 83.9057% | 1,609 |
| Net loans and leases to core deposits | 117.0757% | 325 |
| Total domestic deposits to total assets | 85.4156% | 3,836 |
| Equity capital to assets | 9.5732% | 4,750 |
| Core capital (leverage) ratio | 9.6170% | 3,890 |
| Tier 1 risk-based capital ratio | 12.6100% | 5,514 |
| Total risk-based capital ratio | 13.8697% | 5,452 |
| Memoranda: | ||
| Average total assets | $400,717,000 | 1,669 |
| Average earning assets | $384,414,500 | 1,597 |
| Average equity | $39,503,500 | 1,798 |
| Average total loans | $297,291,500 | 1,422 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4999% | 625 |
| Cost of funding earning assets | 0.7944% | 2,709 |
| Net interest margin | 4.7054% | 641 |
| Noninterest income to average assets | 0.6314% | 3,100 |
| Noninterest expense to average assets | 2.5414% | 4,958 |
| Loan and lease loss provision to assets | 0.6200% | 875 |
| Net operating income to assets | 1.9643% | 381 |
| Return on assets (ROA) | 1.9575% | 425 |
| Pretax return on assets | 1.9575% | 660 |
| Return on Equity (ROE) | 19.0694% | 353 |
| Retained earnings to average equity (ytd only) | 13.4979% | 224 |
| Net charge-offs to loans | 0.2574% | 3,400 |
| Credit loss provision to net charge-offs | 317.3217% | 767 |
| Earnings coverage of net charge-offs (x) | 13.2271% | 1,849 |
| Efficiency ratio | 49.5811% | 6,616 |
| Assets per employee ($millions) | 4.6424% | 2,709 |
| Cash dividends to net income (ytd only)* | 29.2169% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3280% | 1,332 |
| Loan loss allowance to noncurrent loans | 110.8175% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 1.8396% | 2,659 |
| Noncurrent loans to loans | 2.1007% | 2,580 |
| Net loans and leases to total assets | 73.5015% | 1,261 |
| Net loans and leases to deposits | 87.5448% | 1,325 |
| Net loans and leases to core deposits | 109.5823% | 551 |
| Total domestic deposits to total assets | 83.9588% | 4,337 |
| Equity capital to assets | 10.1732% | 3,926 |
| Core capital (leverage) ratio | 10.2144% | 3,121 |
| Tier 1 risk-based capital ratio | 13.0727% | 5,053 |
| Total risk-based capital ratio | 14.3362% | 4,994 |
| Memoranda: | ||
| Average total assets | $351,619,600 | 1,840 |
| Average earning assets | $335,845,200 | 1,767 |
| Average equity | $36,094,400 | 1,916 |
| Average total loans | $266,950,000 | 1,553 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5370% | 632 |
| Cost of funding earning assets | 0.8365% | 2,656 |
| Net interest margin | 4.7005% | 673 |
| Noninterest income to average assets | 0.5219% | 3,793 |
| Noninterest expense to average assets | 2.4641% | 5,201 |
| Loan and lease loss provision to assets | 0.6001% | 925 |
| Net operating income to assets | 1.9460% | 412 |
| Return on assets (ROA) | 1.9375% | 482 |
| Pretax return on assets | 1.9375% | 800 |
| Return on Equity (ROE) | 18.8277% | 412 |
| Retained earnings to average equity (ytd only) | 13.8198% | 317 |
| Net charge-offs to loans | 0.2585% | 3,179 |
| Credit loss provision to net charge-offs | 305.1181% | 883 |
| Earnings coverage of net charge-offs (x) | 12.9448% | 1,957 |
| Efficiency ratio | 49.1808% | 6,651 |
| Assets per employee ($millions) | 4.4675% | 2,965 |
| Cash dividends to net income (ytd only)* | 26.5987% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2574% | 1,602 |
| Loan loss allowance to noncurrent loans | 127.1110% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 1.6818% | 3,063 |
| Noncurrent loans to loans | 1.7760% | 3,116 |
| Net loans and leases to total assets | 74.3871% | 1,190 |
| Net loans and leases to deposits | 88.9279% | 1,255 |
| Net loans and leases to core deposits | 114.3071% | 422 |
| Total domestic deposits to total assets | 83.6487% | 4,372 |
| Equity capital to assets | 10.3825% | 3,970 |
| Core capital (leverage) ratio | 10.5403% | 2,868 |
| Tier 1 risk-based capital ratio | 12.9934% | 5,259 |
| Total risk-based capital ratio | 14.2557% | 5,206 |
| Memoranda: | ||
| Average total assets | $344,355,750 | 1,898 |
| Average earning assets | $328,810,500 | 1,826 |
| Average equity | $35,436,250 | 1,964 |
| Average total loans | $262,069,750 | 1,590 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5597% | 629 |
| Cost of funding earning assets | 0.8880% | 2,503 |
| Net interest margin | 4.6718% | 712 |
| Noninterest income to average assets | 0.5577% | 3,538 |
| Noninterest expense to average assets | 2.4654% | 5,244 |
| Loan and lease loss provision to assets | 0.7090% | 760 |
| Net operating income to assets | 1.8439% | 522 |
| Return on assets (ROA) | 1.8439% | 588 |
| Pretax return on assets | 1.8439% | 952 |
| Return on Equity (ROE) | 17.9757% | 512 |
| Retained earnings to average equity (ytd only) | 14.2320% | 330 |
| Net charge-offs to loans | 0.3571% | 2,589 |
| Credit loss provision to net charge-offs | 260.8696% | 1,103 |
| Earnings coverage of net charge-offs (x) | 9.3935% | 2,175 |
| Efficiency ratio | 49.1288% | 6,703 |
| Assets per employee ($millions) | 5.0040% | 2,176 |
| Cash dividends to net income (ytd only)* | 20.8267% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2628% | 1,652 |
| Loan loss allowance to noncurrent loans | 132.8915% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 1.8006% | 3,038 |
| Noncurrent loans to loans | 1.7028% | 3,341 |
| Net loans and leases to total assets | 75.0824% | 1,092 |
| Net loans and leases to deposits | 90.4313% | 1,105 |
| Net loans and leases to core deposits | 120.8844% | 298 |
| Total domestic deposits to total assets | 83.0270% | 4,746 |
| Equity capital to assets | 10.6469% | 3,516 |
| Core capital (leverage) ratio | 10.3731% | 2,958 |
| Tier 1 risk-based capital ratio | 13.3273% | 4,946 |
| Total risk-based capital ratio | 14.5899% | 4,899 |
| Memoranda: | ||
| Average total assets | $338,518,330 | 1,923 |
| Average earning assets | $323,216,000 | 1,858 |
| Average equity | $34,724,670 | 1,988 |
| Average total loans | $257,626,330 | 1,615 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5430% | 704 |
| Cost of funding earning assets | 0.9143% | 2,576 |
| Net interest margin | 4.6287% | 781 |
| Noninterest income to average assets | 0.4573% | 4,250 |
| Noninterest expense to average assets | 2.5056% | 5,133 |
| Loan and lease loss provision to assets | 0.7108% | 730 |
| Net operating income to assets | 1.6609% | 776 |
| Return on assets (ROA) | 1.6609% | 866 |
| Pretax return on assets | 1.6609% | 1,400 |
| Return on Equity (ROE) | 16.5072% | 740 |
| Retained earnings to average equity (ytd only) | 8.8541% | 1,639 |
| Net charge-offs to loans | 0.2080% | 2,881 |
| Credit loss provision to net charge-offs | 451.1278% | 716 |
| Earnings coverage of net charge-offs (x) | 15.0526% | 1,439 |
| Efficiency ratio | 51.3724% | 6,593 |
| Assets per employee ($millions) | 5.2087% | 1,987 |
| Cash dividends to net income (ytd only)* | 46.3623% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1911% | 1,898 |
| Loan loss allowance to noncurrent loans | 108.1449% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 1.8186% | 3,150 |
| Noncurrent loans to loans | 2.0261% | 3,116 |
| Net loans and leases to total assets | 74.4015% | 1,000 |
| Net loans and leases to deposits | 89.0895% | 1,051 |
| Net loans and leases to core deposits | 118.0427% | 343 |
| Total domestic deposits to total assets | 83.5133% | 4,707 |
| Equity capital to assets | 10.1500% | 3,917 |
| Core capital (leverage) ratio | 9.9462% | 3,432 |
| Tier 1 risk-based capital ratio | 12.4889% | 5,609 |
| Total risk-based capital ratio | 13.7418% | 5,573 |
| Memoranda: | ||
| Average total assets | $337,643,000 | 1,937 |
| Average earning assets | $322,424,500 | 1,870 |
| Average equity | $33,973,000 | 2,038 |
| Average total loans | $255,741,000 | 1,629 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5318% | 1,092 |
| Cost of funding earning assets | 1.1938% | 2,073 |
| Net interest margin | 4.3380% | 1,581 |
| Noninterest income to average assets | 0.3891% | 4,713 |
| Noninterest expense to average assets | 2.3665% | 5,858 |
| Loan and lease loss provision to assets | 0.7006% | 1,460 |
| Net operating income to assets | 1.4597% | 910 |
| Return on assets (ROA) | 1.4597% | 983 |
| Pretax return on assets | 1.4597% | 1,599 |
| Return on Equity (ROE) | 15.5859% | 666 |
| Retained earnings to average equity (ytd only) | 8.4198% | 949 |
| Net charge-offs to loans | 0.7639% | 2,247 |
| Credit loss provision to net charge-offs | 121.1117% | 2,618 |
| Earnings coverage of net charge-offs (x) | 3.7343% | 3,408 |
| Efficiency ratio | 52.2776% | 6,681 |
| Assets per employee ($millions) | 5.3448% | 1,784 |
| Cash dividends to net income (ytd only)* | 45.9782% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0379% | 2,161 |
| Loan loss allowance to noncurrent loans | 265.2486% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8776% | 4,870 |
| Noncurrent loans to loans | 0.7683% | 5,157 |
| Net loans and leases to total assets | 73.8791% | 1,293 |
| Net loans and leases to deposits | 88.2644% | 1,345 |
| Net loans and leases to core deposits | 117.6280% | 404 |
| Total domestic deposits to total assets | 83.7020% | 4,446 |
| Equity capital to assets | 9.9732% | 4,200 |
| Core capital (leverage) ratio | 9.7259% | 3,709 |
| Tier 1 risk-based capital ratio | 12.4692% | 5,478 |
| Total risk-based capital ratio | 13.7283% | 5,452 |
| Memoranda: | ||
| Average total assets | $338,978,400 | 1,907 |
| Average earning assets | $323,327,800 | 1,830 |
| Average equity | $31,746,600 | 2,089 |
| Average total loans | $256,717,000 | 1,642 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4915% | 1,268 |
| Cost of funding earning assets | 1.2574% | 1,953 |
| Net interest margin | 4.2341% | 1,971 |
| Noninterest income to average assets | 0.3263% | 5,255 |
| Noninterest expense to average assets | 2.3647% | 5,868 |
| Loan and lease loss provision to assets | 0.7068% | 1,358 |
| Net operating income to assets | 1.2931% | 1,396 |
| Return on assets (ROA) | 1.2931% | 1,492 |
| Pretax return on assets | 1.2931% | 2,311 |
| Return on Equity (ROE) | 14.0328% | 1,034 |
| Retained earnings to average equity (ytd only) | 7.0015% | 1,967 |
| Net charge-offs to loans | 0.4947% | 2,772 |
| Credit loss provision to net charge-offs | 188.4817% | 1,548 |
| Earnings coverage of net charge-offs (x) | 5.3330% | 2,819 |
| Efficiency ratio | 54.1790% | 6,472 |
| Assets per employee ($millions) | 5.3003% | 1,813 |
| Cash dividends to net income (ytd only)* | 50.1064% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1623% | 1,936 |
| Loan loss allowance to noncurrent loans | 153.4629% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 1.4698% | 3,917 |
| Noncurrent loans to loans | 1.4090% | 4,179 |
| Net loans and leases to total assets | 75.9610% | 983 |
| Net loans and leases to deposits | 90.8472% | 1,124 |
| Net loans and leases to core deposits | 124.0028% | 310 |
| Total domestic deposits to total assets | 83.6140% | 4,424 |
| Equity capital to assets | 9.7197% | 4,745 |
| Core capital (leverage) ratio | 9.3876% | 4,324 |
| Tier 1 risk-based capital ratio | 12.0986% | 5,820 |
| Total risk-based capital ratio | 13.3460% | 5,814 |
| Memoranda: | ||
| Average total assets | $339,542,250 | 1,915 |
| Average earning assets | $323,838,500 | 1,834 |
| Average equity | $31,287,750 | 2,120 |
| Average total loans | $257,410,500 | 1,652 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4712% | 1,358 |
| Cost of funding earning assets | 1.3180% | 1,836 |
| Net interest margin | 4.1532% | 2,218 |
| Noninterest income to average assets | 0.4247% | 4,470 |
| Noninterest expense to average assets | 2.4152% | 5,798 |
| Loan and lease loss provision to assets | 0.7030% | 1,344 |
| Net operating income to assets | 1.2659% | 1,403 |
| Return on assets (ROA) | 1.2659% | 1,469 |
| Pretax return on assets | 1.2659% | 2,251 |
| Return on Equity (ROE) | 13.9878% | 982 |
| Retained earnings to average equity (ytd only) | 6.7318% | 1,998 |
| Net charge-offs to loans | 0.4377% | 2,822 |
| Credit loss provision to net charge-offs | 213.5231% | 1,403 |
| Earnings coverage of net charge-offs (x) | 5.9804% | 2,499 |
| Efficiency ratio | 55.0909% | 6,499 |
| Assets per employee ($millions) | 5.2335% | 1,840 |
| Cash dividends to net income (ytd only)* | 51.8741% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0822% | 2,156 |
| Loan loss allowance to noncurrent loans | 187.1404% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 1.3767% | 4,158 |
| Noncurrent loans to loans | 1.1126% | 4,809 |
| Net loans and leases to total assets | 77.0066% | 916 |
| Net loans and leases to deposits | 93.5767% | 903 |
| Net loans and leases to core deposits | 151.3030% | 140 |
| Total domestic deposits to total assets | 82.2925% | 5,065 |
| Equity capital to assets | 9.6200% | 4,633 |
| Core capital (leverage) ratio | 8.7189% | 5,195 |
| Tier 1 risk-based capital ratio | 12.0525% | 5,746 |
| Total risk-based capital ratio | 13.3166% | 5,702 |
| Memoranda: | ||
| Average total assets | $341,416,330 | 1,913 |
| Average earning assets | $325,485,670 | 1,830 |
| Average equity | $30,898,330 | 2,133 |
| Average total loans | $256,795,670 | 1,669 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2736% | 1,965 |
| Cost of funding earning assets | 1.3772% | 1,730 |
| Net interest margin | 3.8963% | 3,157 |
| Noninterest income to average assets | 0.6416% | 2,891 |
| Noninterest expense to average assets | 2.3705% | 5,979 |
| Loan and lease loss provision to assets | 0.6911% | 1,220 |
| Net operating income to assets | 1.2981% | 1,271 |
| Return on assets (ROA) | 1.2981% | 1,310 |
| Pretax return on assets | 1.2981% | 2,050 |
| Return on Equity (ROE) | 14.7859% | 859 |
| Retained earnings to average equity (ytd only) | 7.4258% | 1,976 |
| Net charge-offs to loans | 0.1424% | 3,648 |
| Credit loss provision to net charge-offs | 659.3407% | 573 |
| Earnings coverage of net charge-offs (x) | 18.9780% | 1,163 |
| Efficiency ratio | 54.3725% | 6,661 |
| Assets per employee ($millions) | 5.5708% | 1,514 |
| Cash dividends to net income (ytd only)* | 49.7782% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0509% | 2,288 |
| Loan loss allowance to noncurrent loans | 314.2516% | 989 |
| Noncurrent assets plus other real estate owned to assets | 1.0100% | 4,884 |
| Noncurrent loans to loans | 0.6526% | 5,724 |
| Net loans and leases to total assets | 74.0668% | 1,333 |
| Net loans and leases to deposits | 88.3027% | 1,432 |
| Net loans and leases to core deposits | 147.1232% | 164 |
| Total domestic deposits to total assets | 83.8783% | 4,536 |
| Equity capital to assets | 9.0455% | 5,130 |
| Core capital (leverage) ratio | 8.4007% | 5,625 |
| Tier 1 risk-based capital ratio | 12.0649% | 5,626 |
| Total risk-based capital ratio | 13.3251% | 5,618 |
| Memoranda: | ||
| Average total assets | $347,270,500 | 1,897 |
| Average earning assets | $331,388,000 | 1,810 |
| Average equity | $30,488,500 | 2,149 |
| Average total loans | $255,545,500 | 1,695 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2697% | 3,273 |
| Cost of funding earning assets | 1.7123% | 1,543 |
| Net interest margin | 3.5574% | 5,008 |
| Noninterest income to average assets | 0.2994% | 5,652 |
| Noninterest expense to average assets | 1.8146% | 7,249 |
| Loan and lease loss provision to assets | 0.7455% | 2,203 |
| Net operating income to assets | 1.1332% | 1,600 |
| Return on assets (ROA) | 1.2026% | 1,485 |
| Pretax return on assets | 1.2026% | 2,220 |
| Return on Equity (ROE) | 14.7270% | 758 |
| Retained earnings to average equity (ytd only) | 10.7285% | 412 |
| Net charge-offs to loans | 0.5696% | 3,344 |
| Credit loss provision to net charge-offs | 178.1896% | 1,862 |
| Earnings coverage of net charge-offs (x) | 4.4904% | 2,905 |
| Efficiency ratio | 49.1320% | 7,195 |
| Assets per employee ($millions) | 6.6929% | 866 |
| Cash dividends to net income (ytd only)* | 27.1510% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8735% | 2,637 |
| Loan loss allowance to noncurrent loans | 422.8242% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 5,408 |
| Noncurrent loans to loans | 0.4431% | 6,153 |
| Net loans and leases to total assets | 70.2992% | 2,468 |
| Net loans and leases to deposits | 83.1319% | 2,600 |
| Net loans and leases to core deposits | 136.3037% | 259 |
| Total domestic deposits to total assets | 84.5635% | 4,071 |
| Equity capital to assets | 8.5246% | 5,820 |
| Core capital (leverage) ratio | 8.6015% | 5,194 |
| Tier 1 risk-based capital ratio | 11.9546% | 5,518 |
| Total risk-based capital ratio | 13.2126% | 5,487 |
| Memoranda: | ||
| Average total assets | $335,344,400 | 1,942 |
| Average earning assets | $319,923,400 | 1,859 |
| Average equity | $27,385,000 | 2,352 |
| Average total loans | $246,334,600 | 1,779 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 3,196 |
| Cost of funding earning assets | 1.7592% | 1,592 |
| Net interest margin | 3.5748% | 4,991 |
| Noninterest income to average assets | 0.2893% | 5,806 |
| Noninterest expense to average assets | 1.7642% | 7,375 |
| Loan and lease loss provision to assets | 0.8472% | 1,793 |
| Net operating income to assets | 1.0864% | 1,937 |
| Return on assets (ROA) | 1.1804% | 1,739 |
| Pretax return on assets | 1.1804% | 2,561 |
| Return on Equity (ROE) | 14.6270% | 921 |
| Retained earnings to average equity (ytd only) | 11.2377% | 570 |
| Net charge-offs to loans | 0.5303% | 3,179 |
| Credit loss provision to net charge-offs | 216.0494% | 1,607 |
| Earnings coverage of net charge-offs (x) | 4.9311% | 2,895 |
| Efficiency ratio | 47.7089% | 7,286 |
| Assets per employee ($millions) | 6.8499% | 820 |
| Cash dividends to net income (ytd only)* | 23.1716% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9408% | 2,375 |
| Loan loss allowance to noncurrent loans | 277.9582% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.9245% | 5,256 |
| Noncurrent loans to loans | 0.6982% | 5,816 |
| Net loans and leases to total assets | 72.1338% | 2,227 |
| Net loans and leases to deposits | 86.7625% | 2,191 |
| Net loans and leases to core deposits | 177.2970% | 110 |
| Total domestic deposits to total assets | 83.1394% | 4,532 |
| Equity capital to assets | 8.9812% | 5,604 |
| Core capital (leverage) ratio | 8.6089% | 5,333 |
| Tier 1 risk-based capital ratio | 12.0458% | 5,423 |
| Total risk-based capital ratio | 13.3049% | 5,382 |
| Memoranda: | ||
| Average total assets | $330,499,250 | 1,993 |
| Average earning assets | $315,127,250 | 1,913 |
| Average equity | $26,671,500 | 2,444 |
| Average total loans | $244,385,750 | 1,814 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2948% | 3,496 |
| Cost of funding earning assets | 1.7473% | 1,882 |
| Net interest margin | 3.5475% | 5,058 |
| Noninterest income to average assets | 0.2287% | 6,275 |
| Noninterest expense to average assets | 1.7385% | 7,467 |
| Loan and lease loss provision to assets | 0.8820% | 1,652 |
| Net operating income to assets | 0.9885% | 2,245 |
| Return on assets (ROA) | 1.1302% | 1,825 |
| Pretax return on assets | 1.1302% | 2,670 |
| Return on Equity (ROE) | 14.5647% | 932 |
| Retained earnings to average equity (ytd only) | 9.2499% | 1,031 |
| Net charge-offs to loans | 0.6069% | 2,716 |
| Credit loss provision to net charge-offs | 196.2111% | 2,011 |
| Earnings coverage of net charge-offs (x) | 4.1610% | 3,036 |
| Efficiency ratio | 48.1712% | 7,342 |
| Assets per employee ($millions) | 6.8274% | 829 |
| Cash dividends to net income (ytd only)* | 36.4909% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7861% | 2,764 |
| Loan loss allowance to noncurrent loans | 162.8816% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 1.3203% | 4,512 |
| Noncurrent loans to loans | 1.0966% | 5,126 |
| Net loans and leases to total assets | 71.9099% | 2,428 |
| Net loans and leases to deposits | 85.1833% | 2,663 |
| Net loans and leases to core deposits | 189.1615% | 108 |
| Total domestic deposits to total assets | 84.4178% | 3,907 |
| Equity capital to assets | 7.8484% | 6,889 |
| Core capital (leverage) ratio | 7.6172% | 6,711 |
| Tier 1 risk-based capital ratio | 10.7425% | 6,486 |
| Total risk-based capital ratio | 11.9999% | 6,471 |
| Memoranda: | ||
| Average total assets | $328,783,330 | 2,019 |
| Average earning assets | $313,290,670 | 1,946 |
| Average equity | $25,513,670 | 2,538 |
| Average total loans | $243,545,330 | 1,848 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2834% | 3,626 |
| Cost of funding earning assets | 1.7178% | 2,301 |
| Net interest margin | 3.5657% | 4,878 |
| Noninterest income to average assets | 0.2639% | 6,040 |
| Noninterest expense to average assets | 1.6655% | 7,602 |
| Loan and lease loss provision to assets | 0.8591% | 1,478 |
| Net operating income to assets | 1.1353% | 1,729 |
| Return on assets (ROA) | 1.1353% | 1,801 |
| Pretax return on assets | 1.1353% | 2,605 |
| Return on Equity (ROE) | 14.7161% | 921 |
| Retained earnings to average equity (ytd only) | 3.9455% | 3,773 |
| Net charge-offs to loans | 0.3690% | 2,934 |
| Credit loss provision to net charge-offs | 312.5000% | 1,259 |
| Earnings coverage of net charge-offs (x) | 7.2545% | 2,112 |
| Efficiency ratio | 45.5064% | 7,568 |
| Assets per employee ($millions) | 7.4689% | 659 |
| Cash dividends to net income (ytd only)* | 73.1892% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 3,121 |
| Loan loss allowance to noncurrent loans | 131.7213% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 1.4570% | 4,320 |
| Noncurrent loans to loans | 1.2791% | 4,841 |
| Net loans and leases to total assets | 71.8775% | 2,482 |
| Net loans and leases to deposits | 84.9223% | 2,782 |
| Net loans and leases to core deposits | 211.5680% | 94 |
| Total domestic deposits to total assets | 84.6391% | 3,839 |
| Equity capital to assets | 7.5290% | 7,050 |
| Core capital (leverage) ratio | 7.6875% | 6,642 |
| Tier 1 risk-based capital ratio | 10.5862% | 6,553 |
| Total risk-based capital ratio | 11.8425% | 6,541 |
| Memoranda: | ||
| Average total assets | $325,904,500 | 2,086 |
| Average earning assets | $310,405,000 | 2,010 |
| Average equity | $25,142,500 | 2,601 |
| Average total loans | $242,846,500 | 1,902 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9421% | 2,078 |
| Cost of funding earning assets | 1.8987% | 3,468 |
| Net interest margin | 4.0434% | 2,680 |
| Noninterest income to average assets | 0.3999% | 5,200 |
| Noninterest expense to average assets | 2.1252% | 7,131 |
| Loan and lease loss provision to assets | 1.0639% | 2,153 |
| Net operating income to assets | 1.0346% | 1,723 |
| Return on assets (ROA) | 1.1060% | 1,529 |
| Pretax return on assets | 1.1060% | 2,226 |
| Return on Equity (ROE) | 13.5906% | 856 |
| Retained earnings to average equity (ytd only) | 8.7251% | 537 |
| Net charge-offs to loans | 0.8430% | 2,721 |
| Credit loss provision to net charge-offs | 162.5344% | 2,708 |
| Earnings coverage of net charge-offs (x) | 3.2061% | 3,453 |
| Efficiency ratio | 50.3159% | 7,522 |
| Assets per employee ($millions) | 7.1752% | 745 |
| Cash dividends to net income (ytd only)* | 35.8005% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 3,591 |
| Loan loss allowance to noncurrent loans | 100.6317% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 1.6455% | 3,908 |
| Noncurrent loans to loans | 1.5173% | 4,381 |
| Net loans and leases to total assets | 74.8502% | 2,065 |
| Net loans and leases to deposits | 88.9085% | 2,405 |
| Net loans and leases to core deposits | 175.2351% | 194 |
| Total domestic deposits to total assets | 84.1879% | 3,944 |
| Equity capital to assets | 7.9124% | 6,660 |
| Core capital (leverage) ratio | 8.0645% | 6,057 |
| Tier 1 risk-based capital ratio | 10.8196% | 6,095 |
| Total risk-based capital ratio | 12.0741% | 6,058 |
| Memoranda: | ||
| Average total assets | $277,293,200 | 2,364 |
| Average earning assets | $262,231,000 | 2,307 |
| Average equity | $22,567,000 | 2,882 |
| Average total loans | $215,307,600 | 2,146 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0507% | 1,836 |
| Cost of funding earning assets | 1.9599% | 3,567 |
| Net interest margin | 4.0908% | 2,440 |
| Noninterest income to average assets | 0.4298% | 5,049 |
| Noninterest expense to average assets | 2.2319% | 6,891 |
| Loan and lease loss provision to assets | 1.0460% | 1,840 |
| Net operating income to assets | 1.0131% | 2,009 |
| Return on assets (ROA) | 1.1037% | 1,778 |
| Pretax return on assets | 1.1037% | 2,550 |
| Return on Equity (ROE) | 13.4521% | 1,022 |
| Retained earnings to average equity (ytd only) | 8.7232% | 915 |
| Net charge-offs to loans | 0.5750% | 2,952 |
| Credit loss provision to net charge-offs | 232.8160% | 1,874 |
| Earnings coverage of net charge-offs (x) | 4.5831% | 3,086 |
| Efficiency ratio | 52.0139% | 7,414 |
| Assets per employee ($millions) | 6.9217% | 818 |
| Cash dividends to net income (ytd only)* | 35.1534% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 2,944 |
| Loan loss allowance to noncurrent loans | 135.7741% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 1.3759% | 4,341 |
| Noncurrent loans to loans | 1.1873% | 4,960 |
| Net loans and leases to total assets | 78.2433% | 1,524 |
| Net loans and leases to deposits | 94.3771% | 1,811 |
| Net loans and leases to core deposits | 175.1951% | 220 |
| Total domestic deposits to total assets | 82.9050% | 4,268 |
| Equity capital to assets | 8.4672% | 6,287 |
| Core capital (leverage) ratio | 8.4425% | 5,589 |
| Tier 1 risk-based capital ratio | 11.0392% | 5,909 |
| Total risk-based capital ratio | 12.2950% | 5,865 |
| Memoranda: | ||
| Average total assets | $267,689,500 | 2,451 |
| Average earning assets | $252,657,000 | 2,398 |
| Average equity | $21,963,750 | 2,976 |
| Average total loans | $209,141,500 | 2,228 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9567% | 2,355 |
| Cost of funding earning assets | 2.0335% | 3,604 |
| Net interest margin | 3.9232% | 3,003 |
| Noninterest income to average assets | 0.4577% | 4,799 |
| Noninterest expense to average assets | 2.2537% | 6,907 |
| Loan and lease loss provision to assets | 0.9615% | 1,759 |
| Net operating income to assets | 0.9330% | 2,336 |
| Return on assets (ROA) | 1.0730% | 1,942 |
| Pretax return on assets | 1.0730% | 2,726 |
| Return on Equity (ROE) | 13.2353% | 1,137 |
| Retained earnings to average equity (ytd only) | 8.6622% | 1,020 |
| Net charge-offs to loans | 0.8722% | 1,950 |
| Credit loss provision to net charge-offs | 142.0455% | 3,277 |
| Earnings coverage of net charge-offs (x) | 2.7989% | 3,688 |
| Efficiency ratio | 54.3297% | 7,295 |
| Assets per employee ($millions) | 6.3659% | 1,022 |
| Cash dividends to net income (ytd only)* | 34.5520% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 4,166 |
| Loan loss allowance to noncurrent loans | 128.2743% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 1.2549% | 4,430 |
| Noncurrent loans to loans | 1.0284% | 5,161 |
| Net loans and leases to total assets | 77.4209% | 1,874 |
| Net loans and leases to deposits | 94.3012% | 2,048 |
| Net loans and leases to core deposits | 164.9697% | 381 |
| Total domestic deposits to total assets | 82.0996% | 4,647 |
| Equity capital to assets | 8.2213% | 6,458 |
| Core capital (leverage) ratio | 8.5124% | 5,427 |
| Tier 1 risk-based capital ratio | 10.4597% | 6,414 |
| Total risk-based capital ratio | 11.7104% | 6,361 |
| Memoranda: | ||
| Average total assets | $260,016,000 | 2,546 |
| Average earning assets | $244,598,000 | 2,483 |
| Average equity | $21,080,000 | 3,088 |
| Average total loans | $201,792,670 | 2,331 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9856% | 2,417 |
| Cost of funding earning assets | 2.1428% | 3,448 |
| Net interest margin | 3.8428% | 3,285 |
| Noninterest income to average assets | 0.4528% | 4,742 |
| Noninterest expense to average assets | 2.1954% | 6,882 |
| Loan and lease loss provision to assets | 0.8401% | 1,547 |
| Net operating income to assets | 1.0129% | 2,259 |
| Return on assets (ROA) | 1.0593% | 2,239 |
| Pretax return on assets | 1.0593% | 3,148 |
| Return on Equity (ROE) | 13.1702% | 1,344 |
| Retained earnings to average equity (ytd only) | 8.3557% | 1,679 |
| Net charge-offs to loans | -0.0104% | 7,280 |
| Credit loss provision to net charge-offs | -10,500.0000% | 6,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2292% | 7,200 |
| Assets per employee ($millions) | 6.0027% | 1,195 |
| Cash dividends to net income (ytd only)* | 36.5559% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 2,784 |
| Loan loss allowance to noncurrent loans | 65.5313% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 2.1727% | 2,641 |
| Noncurrent loans to loans | 2.3437% | 2,809 |
| Net loans and leases to total assets | 75.9788% | 2,277 |
| Net loans and leases to deposits | 93.1485% | 2,408 |
| Net loans and leases to core deposits | 163.9952% | 435 |
| Total domestic deposits to total assets | 81.5674% | 4,721 |
| Equity capital to assets | 7.9000% | 6,954 |
| Core capital (leverage) ratio | 7.9114% | 6,596 |
| Tier 1 risk-based capital ratio | 10.4011% | 6,494 |
| Total risk-based capital ratio | 11.6394% | 6,417 |
| Memoranda: | ||
| Average total assets | $249,974,000 | 2,643 |
| Average earning assets | $233,894,500 | 2,601 |
| Average equity | $20,106,000 | 3,245 |
| Average total loans | $192,811,500 | 2,440 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6068% | 2,453 |
| Cost of funding earning assets | 2.5601% | 3,901 |
| Net interest margin | 4.0467% | 2,923 |
| Noninterest income to average assets | 0.4137% | 5,360 |
| Noninterest expense to average assets | 2.1488% | 7,114 |
| Loan and lease loss provision to assets | 0.8261% | 1,802 |
| Net operating income to assets | 1.2084% | 1,743 |
| Return on assets (ROA) | 1.2336% | 1,616 |
| Pretax return on assets | 1.2336% | 2,534 |
| Return on Equity (ROE) | 15.7781% | 803 |
| Retained earnings to average equity (ytd only) | 14.0679% | 118 |
| Net charge-offs to loans | 0.9451% | 1,305 |
| Credit loss provision to net charge-offs | 113.5520% | 4,751 |
| Earnings coverage of net charge-offs (x) | 2.7964% | 4,689 |
| Efficiency ratio | 51.3668% | 7,554 |
| Assets per employee ($millions) | 5.3741% | 1,553 |
| Cash dividends to net income (ytd only)* | 10.8394% | 4,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 3,442 |
| Loan loss allowance to noncurrent loans | 61.6529% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 1.9439% | 2,528 |
| Noncurrent loans to loans | 2.2000% | 2,514 |
| Net loans and leases to total assets | 76.0534% | 2,610 |
| Net loans and leases to deposits | 93.9864% | 2,759 |
| Net loans and leases to core deposits | 161.6522% | 542 |
| Total domestic deposits to total assets | 80.9196% | 4,677 |
| Equity capital to assets | 8.1961% | 6,561 |
| Core capital (leverage) ratio | 8.0101% | 6,472 |
| Tier 1 risk-based capital ratio | 10.8603% | 5,850 |
| Total risk-based capital ratio | 12.1123% | 5,761 |
| Memoranda: | ||
| Average total assets | $222,119,600 | 2,848 |
| Average earning assets | $206,907,600 | 2,806 |
| Average equity | $17,365,800 | 3,672 |
| Average total loans | $170,979,000 | 2,597 |