Home > The Malvern National Bank > Performance and Condition Ratios
The Malvern National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1090% | 3,787 |
| Cost of funding earning assets | 1.4690% | 2,024 |
| Net interest margin | 2.6400% | 3,914 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.3007% | 2,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5637% | 3,529 |
| Return on assets (ROA) | 0.5913% | 3,453 |
| Pretax return on assets | 0.5913% | 3,649 |
| Return on Equity (ROE) | 7.3100% | 3,207 |
| Retained earnings to average equity (ytd only) | 0.8145% | 3,874 |
| Net charge-offs to loans | -0.0231% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.3211% | 896 |
| Assets per employee ($millions) | 5.1257% | 3,546 |
| Cash dividends to net income (ytd only)* | 88.8597% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1963% | 282 |
| Loan loss allowance to noncurrent loans | 1,134.3701% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 1,295 |
| Noncurrent loans to loans | 0.1936% | 2,543 |
| Net loans and leases to total assets | 50.7000% | 3,552 |
| Net loans and leases to deposits | 60.9116% | 3,475 |
| Net loans and leases to core deposits | 65.9999% | 3,498 |
| Total domestic deposits to total assets | 83.2300% | 2,831 |
| Equity capital to assets | 8.8824% | 2,761 |
| Core capital (leverage) ratio | 9.3720% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4629% | 1,402 |
| Memoranda: | ||
| Average total assets | $643,619,800 | 1,387 |
| Average earning assets | $586,367,800 | 1,404 |
| Average equity | $52,059,400 | 1,554 |
| Average total loans | $320,045,800 | 1,721 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9870% | 3,869 |
| Cost of funding earning assets | 1.3592% | 1,979 |
| Net interest margin | 2.6278% | 3,986 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.2315% | 2,987 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6100% | 3,521 |
| Return on assets (ROA) | 0.6319% | 3,459 |
| Pretax return on assets | 0.6319% | 3,677 |
| Return on Equity (ROE) | 8.0100% | 3,183 |
| Retained earnings to average equity (ytd only) | -0.0839% | 4,161 |
| Net charge-offs to loans | -0.0261% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.5319% | 968 |
| Assets per employee ($millions) | 5.0755% | 3,552 |
| Cash dividends to net income (ytd only)* | 101.0478% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3178% | 251 |
| Loan loss allowance to noncurrent loans | 1,127.3994% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 1,334 |
| Noncurrent loans to loans | 0.2056% | 2,530 |
| Net loans and leases to total assets | 48.7700% | 3,697 |
| Net loans and leases to deposits | 58.1005% | 3,602 |
| Net loans and leases to core deposits | 62.1090% | 3,610 |
| Total domestic deposits to total assets | 83.9400% | 2,794 |
| Equity capital to assets | 7.7324% | 3,223 |
| Core capital (leverage) ratio | 9.4327% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7378% | 1,146 |
| Memoranda: | ||
| Average total assets | $644,347,750 | 1,385 |
| Average earning assets | $587,595,250 | 1,405 |
| Average equity | $50,846,750 | 1,574 |
| Average total loans | $317,030,250 | 1,731 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8918% | 3,885 |
| Cost of funding earning assets | 1.2434% | 1,869 |
| Net interest margin | 2.6485% | 4,040 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.2019% | 3,072 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6564% | 3,443 |
| Return on assets (ROA) | 0.6825% | 3,382 |
| Pretax return on assets | 0.6825% | 3,634 |
| Return on Equity (ROE) | 8.5900% | 3,089 |
| Retained earnings to average equity (ytd only) | 2.6176% | 3,573 |
| Net charge-offs to loans | -0.0333% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.0366% | 1,091 |
| Assets per employee ($millions) | 5.2499% | 3,359 |
| Cash dividends to net income (ytd only)* | 69.5397% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3104% | 263 |
| Loan loss allowance to noncurrent loans | 1,034.7084% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 1,212 |
| Noncurrent loans to loans | 0.2233% | 2,370 |
| Net loans and leases to total assets | 48.0200% | 3,686 |
| Net loans and leases to deposits | 57.3434% | 3,572 |
| Net loans and leases to core deposits | 60.6260% | 3,598 |
| Total domestic deposits to total assets | 83.7400% | 2,884 |
| Equity capital to assets | 8.1150% | 3,144 |
| Core capital (leverage) ratio | 9.4135% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3855% | 1,244 |
| Memoranda: | ||
| Average total assets | $649,341,333 | 1,376 |
| Average earning assets | $594,682,667 | 1,395 |
| Average equity | $51,574,000 | 1,560 |
| Average total loans | $317,965,667 | 1,714 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5757% | 4,183 |
| Cost of funding earning assets | 1.1491% | 1,600 |
| Net interest margin | 2.4266% | 4,366 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.1139% | 3,345 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5409% | 3,809 |
| Return on assets (ROA) | 0.5531% | 3,755 |
| Pretax return on assets | 0.5531% | 3,919 |
| Return on Equity (ROE) | 7.0400% | 3,509 |
| Retained earnings to average equity (ytd only) | 4.3992% | 3,153 |
| Net charge-offs to loans | -0.0238% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.6266% | 862 |
| Assets per employee ($millions) | 5.3087% | 3,409 |
| Cash dividends to net income (ytd only)* | 37.5000% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2764% | 294 |
| Loan loss allowance to noncurrent loans | 1,093.6556% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 1,205 |
| Noncurrent loans to loans | 0.2081% | 2,434 |
| Net loans and leases to total assets | 47.9900% | 3,631 |
| Net loans and leases to deposits | 57.9398% | 3,456 |
| Net loans and leases to core deposits | 61.4257% | 3,478 |
| Total domestic deposits to total assets | 82.8200% | 3,333 |
| Equity capital to assets | 8.2052% | 3,103 |
| Core capital (leverage) ratio | 9.2886% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0785% | 1,356 |
| Memoranda: | ||
| Average total assets | $653,767,000 | 1,388 |
| Average earning assets | $598,703,500 | 1,406 |
| Average equity | $51,373,000 | 1,578 |
| Average total loans | $319,527,500 | 1,724 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1395% | 3,924 |
| Cost of funding earning assets | 0.5138% | 1,301 |
| Net interest margin | 2.6257% | 4,141 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.2289% | 2,950 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6539% | 3,747 |
| Return on assets (ROA) | 0.6915% | 3,591 |
| Pretax return on assets | 0.6915% | 3,862 |
| Return on Equity (ROE) | 8.5100% | 3,253 |
| Retained earnings to average equity (ytd only) | 3.9434% | 3,418 |
| Net charge-offs to loans | -0.0016% | 3,415 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.3161% | 901 |
| Assets per employee ($millions) | 5.4088% | 3,305 |
| Cash dividends to net income (ytd only)* | 53.6880% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2494% | 290 |
| Loan loss allowance to noncurrent loans | 1,112.6348% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 1,231 |
| Noncurrent loans to loans | 0.2022% | 2,480 |
| Net loans and leases to total assets | 47.5500% | 3,700 |
| Net loans and leases to deposits | 58.2028% | 3,445 |
| Net loans and leases to core deposits | 61.0244% | 3,446 |
| Total domestic deposits to total assets | 81.7000% | 3,660 |
| Equity capital to assets | 7.5173% | 3,377 |
| Core capital (leverage) ratio | 9.1769% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8788% | 1,395 |
| Memoranda: | ||
| Average total assets | $647,012,800 | 1,384 |
| Average earning assets | $589,871,400 | 1,409 |
| Average equity | $52,543,800 | 1,551 |
| Average total loans | $305,935,200 | 1,701 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0289% | 3,835 |
| Cost of funding earning assets | 0.4468% | 996 |
| Net interest margin | 2.5821% | 4,125 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.2325% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6285% | 3,755 |
| Return on assets (ROA) | 0.6687% | 3,607 |
| Pretax return on assets | 0.6687% | 3,858 |
| Return on Equity (ROE) | 8.0800% | 3,304 |
| Retained earnings to average equity (ytd only) | 3.4309% | 3,656 |
| Net charge-offs to loans | -0.0057% | 3,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.0311% | 910 |
| Assets per employee ($millions) | 5.2907% | 3,426 |
| Cash dividends to net income (ytd only)* | 57.5410% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2808% | 304 |
| Loan loss allowance to noncurrent loans | 914.9367% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 1,210 |
| Noncurrent loans to loans | 0.2493% | 2,385 |
| Net loans and leases to total assets | 47.9800% | 3,631 |
| Net loans and leases to deposits | 56.9955% | 3,405 |
| Net loans and leases to core deposits | 59.3770% | 3,427 |
| Total domestic deposits to total assets | 84.1800% | 3,460 |
| Equity capital to assets | 7.2623% | 3,367 |
| Core capital (leverage) ratio | 9.0794% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0171% | 1,421 |
| Memoranda: | ||
| Average total assets | $643,799,000 | 1,393 |
| Average earning assets | $586,328,750 | 1,422 |
| Average equity | $53,278,750 | 1,555 |
| Average total loans | $302,165,250 | 1,704 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9202% | 3,739 |
| Cost of funding earning assets | 0.4209% | 798 |
| Net interest margin | 2.4993% | 4,088 |
| Noninterest income to average assets | 0.5028% | 2,185 |
| Noninterest expense to average assets | 2.1976% | 2,867 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5780% | 3,687 |
| Return on assets (ROA) | 0.6349% | 3,476 |
| Pretax return on assets | 0.6349% | 3,739 |
| Return on Equity (ROE) | 7.3701% | 3,197 |
| Retained earnings to average equity (ytd only) | 1.7433% | 3,814 |
| Net charge-offs to loans | -0.0074% | 3,469 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1755% | 1,010 |
| Assets per employee ($millions) | 5.3410% | 3,392 |
| Cash dividends to net income (ytd only)* | 76.3467% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3992% | 290 |
| Loan loss allowance to noncurrent loans | 828.7844% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 1,247 |
| Noncurrent loans to loans | 0.2895% | 2,312 |
| Net loans and leases to total assets | 45.1187% | 3,758 |
| Net loans and leases to deposits | 53.8773% | 3,545 |
| Net loans and leases to core deposits | 55.9797% | 3,565 |
| Total domestic deposits to total assets | 83.7435% | 3,738 |
| Equity capital to assets | 7.8078% | 3,257 |
| Core capital (leverage) ratio | 9.0559% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4736% | 1,306 |
| Memoranda: | ||
| Average total assets | $643,242,667 | 1,399 |
| Average earning assets | $584,963,667 | 1,439 |
| Average equity | $55,413,000 | 1,536 |
| Average total loans | $297,249,333 | 1,716 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8315% | 3,678 |
| Cost of funding earning assets | 0.4239% | 760 |
| Net interest margin | 2.4075% | 4,054 |
| Noninterest income to average assets | 0.4782% | 2,254 |
| Noninterest expense to average assets | 2.1250% | 3,065 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5464% | 3,572 |
| Return on assets (ROA) | 0.5683% | 3,475 |
| Pretax return on assets | 0.5683% | 3,709 |
| Return on Equity (ROE) | 6.2966% | 3,254 |
| Retained earnings to average equity (ytd only) | 0.8183% | 3,859 |
| Net charge-offs to loans | -0.0054% | 3,361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5455% | 1,186 |
| Assets per employee ($millions) | 5.3839% | 3,410 |
| Cash dividends to net income (ytd only)* | 87.0044% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4395% | 301 |
| Loan loss allowance to noncurrent loans | 826.9187% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 1,340 |
| Noncurrent loans to loans | 0.2950% | 2,409 |
| Net loans and leases to total assets | 44.6849% | 3,688 |
| Net loans and leases to deposits | 54.0247% | 3,420 |
| Net loans and leases to core deposits | 56.3317% | 3,420 |
| Total domestic deposits to total assets | 82.7120% | 3,978 |
| Equity capital to assets | 8.4083% | 3,234 |
| Core capital (leverage) ratio | 9.2348% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5700% | 1,373 |
| Memoranda: | ||
| Average total assets | $639,061,500 | 1,414 |
| Average earning assets | $582,169,000 | 1,447 |
| Average equity | $57,681,500 | 1,534 |
| Average total loans | $295,262,500 | 1,717 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1750% | 3,527 |
| Cost of funding earning assets | 0.5609% | 663 |
| Net interest margin | 2.6142% | 4,026 |
| Noninterest income to average assets | 0.5793% | 2,240 |
| Noninterest expense to average assets | 2.3022% | 2,789 |
| Loan and lease loss provision to assets | 0.0239% | 2,587 |
| Net operating income to assets | 0.6338% | 3,796 |
| Return on assets (ROA) | 0.6572% | 3,783 |
| Pretax return on assets | 0.6572% | 4,017 |
| Return on Equity (ROE) | 6.8069% | 3,563 |
| Retained earnings to average equity (ytd only) | 3.0330% | 3,619 |
| Net charge-offs to loans | -0.2967% | 4,748 |
| Credit loss provision to net charge-offs | -16.4114% | 3,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7814% | 967 |
| Assets per employee ($millions) | 5.0972% | 3,649 |
| Cash dividends to net income (ytd only)* | 55.4424% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4490% | 304 |
| Loan loss allowance to noncurrent loans | 778.3172% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 1,385 |
| Noncurrent loans to loans | 0.3147% | 2,462 |
| Net loans and leases to total assets | 45.4701% | 3,727 |
| Net loans and leases to deposits | 56.0036% | 3,412 |
| Net loans and leases to core deposits | 58.1928% | 3,457 |
| Total domestic deposits to total assets | 81.1915% | 4,081 |
| Equity capital to assets | 9.6573% | 2,991 |
| Core capital (leverage) ratio | 9.2328% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8220% | 1,308 |
| Memoranda: | ||
| Average total assets | $627,690,600 | 1,398 |
| Average earning assets | $571,613,600 | 1,429 |
| Average equity | $60,600,200 | 1,504 |
| Average total loans | $308,005,200 | 1,671 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2315% | 3,545 |
| Cost of funding earning assets | 0.5933% | 661 |
| Net interest margin | 2.6382% | 4,078 |
| Noninterest income to average assets | 0.5845% | 2,275 |
| Noninterest expense to average assets | 2.3115% | 2,722 |
| Loan and lease loss provision to assets | 0.0319% | 2,357 |
| Net operating income to assets | 0.6426% | 3,921 |
| Return on assets (ROA) | 0.6620% | 3,918 |
| Pretax return on assets | 0.6620% | 4,137 |
| Return on Equity (ROE) | 6.8571% | 3,706 |
| Retained earnings to average equity (ytd only) | 3.6038% | 3,710 |
| Net charge-offs to loans | 0.0026% | 2,270 |
| Credit loss provision to net charge-offs | 2,500.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 528.3333% | 285 |
| Efficiency ratio | 77.4104% | 921 |
| Assets per employee ($millions) | 5.2399% | 3,464 |
| Cash dividends to net income (ytd only)* | 47.4446% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1005% | 531 |
| Loan loss allowance to noncurrent loans | 653.7902% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 1,594 |
| Noncurrent loans to loans | 0.3213% | 2,626 |
| Net loans and leases to total assets | 45.5303% | 3,827 |
| Net loans and leases to deposits | 55.8263% | 3,592 |
| Net loans and leases to core deposits | 59.3328% | 3,528 |
| Total domestic deposits to total assets | 81.5572% | 4,004 |
| Equity capital to assets | 9.4380% | 3,430 |
| Core capital (leverage) ratio | 9.2244% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9014% | 1,653 |
| Memoranda: | ||
| Average total assets | $626,600,750 | 1,420 |
| Average earning assets | $570,368,250 | 1,445 |
| Average equity | $60,490,500 | 1,530 |
| Average total loans | $311,354,250 | 1,684 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3473% | 3,319 |
| Cost of funding earning assets | 0.6432% | 596 |
| Net interest margin | 2.7041% | 3,975 |
| Noninterest income to average assets | 0.5797% | 2,295 |
| Noninterest expense to average assets | 2.3405% | 2,641 |
| Loan and lease loss provision to assets | 0.0387% | 2,222 |
| Net operating income to assets | 0.6622% | 3,849 |
| Return on assets (ROA) | 0.6858% | 3,859 |
| Pretax return on assets | 0.6858% | 4,094 |
| Return on Equity (ROE) | 7.0489% | 3,645 |
| Retained earnings to average equity (ytd only) | 3.1899% | 3,781 |
| Net charge-offs to loans | 0.0070% | 1,880 |
| Credit loss provision to net charge-offs | 1,090.9091% | 449 |
| Earnings coverage of net charge-offs (x) | 197.7273% | 499 |
| Efficiency ratio | 76.9549% | 996 |
| Assets per employee ($millions) | 5.0417% | 3,627 |
| Cash dividends to net income (ytd only)* | 54.7462% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0758% | 527 |
| Loan loss allowance to noncurrent loans | 600.7678% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 1,692 |
| Noncurrent loans to loans | 0.3455% | 2,666 |
| Net loans and leases to total assets | 47.2370% | 3,801 |
| Net loans and leases to deposits | 58.5377% | 3,494 |
| Net loans and leases to core deposits | 62.5906% | 3,411 |
| Total domestic deposits to total assets | 80.6949% | 4,128 |
| Equity capital to assets | 9.6923% | 3,155 |
| Core capital (leverage) ratio | 9.1487% | 3,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1509% | 1,580 |
| Memoranda: | ||
| Average total assets | $620,633,667 | 1,421 |
| Average earning assets | $564,985,333 | 1,452 |
| Average equity | $60,378,000 | 1,517 |
| Average total loans | $315,225,667 | 1,680 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 2,876 |
| Cost of funding earning assets | 0.6929% | 566 |
| Net interest margin | 2.8216% | 3,710 |
| Noninterest income to average assets | 0.5977% | 2,222 |
| Noninterest expense to average assets | 2.3992% | 2,495 |
| Loan and lease loss provision to assets | 0.0259% | 2,443 |
| Net operating income to assets | 0.7381% | 3,607 |
| Return on assets (ROA) | 0.7581% | 3,622 |
| Pretax return on assets | 0.7581% | 3,894 |
| Return on Equity (ROE) | 7.7783% | 3,395 |
| Retained earnings to average equity (ytd only) | 2.0773% | 3,992 |
| Net charge-offs to loans | -0.0124% | 3,764 |
| Credit loss provision to net charge-offs | -400.0000% | 3,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8487% | 1,150 |
| Assets per employee ($millions) | 5.1418% | 3,496 |
| Cash dividends to net income (ytd only)* | 73.2935% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9775% | 624 |
| Loan loss allowance to noncurrent loans | 577.3743% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 1,898 |
| Noncurrent loans to loans | 0.3425% | 2,873 |
| Net loans and leases to total assets | 49.0006% | 3,709 |
| Net loans and leases to deposits | 61.6337% | 3,360 |
| Net loans and leases to core deposits | 66.3464% | 3,211 |
| Total domestic deposits to total assets | 79.5030% | 4,269 |
| Equity capital to assets | 9.5414% | 3,155 |
| Core capital (leverage) ratio | 9.3405% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2589% | 1,830 |
| Memoranda: | ||
| Average total assets | $618,367,000 | 1,416 |
| Average earning assets | $562,241,000 | 1,443 |
| Average equity | $60,270,500 | 1,514 |
| Average total loans | $322,053,500 | 1,656 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 3,188 |
| Cost of funding earning assets | 0.9383% | 745 |
| Net interest margin | 2.9022% | 4,101 |
| Noninterest income to average assets | 0.6548% | 2,006 |
| Noninterest expense to average assets | 2.5023% | 2,845 |
| Loan and lease loss provision to assets | 0.2279% | 1,710 |
| Net operating income to assets | 0.5654% | 3,856 |
| Return on assets (ROA) | 0.6372% | 3,755 |
| Pretax return on assets | 0.6372% | 4,000 |
| Return on Equity (ROE) | 6.6551% | 3,351 |
| Retained earnings to average equity (ytd only) | 3.4671% | 3,098 |
| Net charge-offs to loans | 0.3524% | 495 |
| Credit loss provision to net charge-offs | 118.3868% | 2,647 |
| Earnings coverage of net charge-offs (x) | 4.1206% | 3,024 |
| Efficiency ratio | 75.9272% | 1,238 |
| Assets per employee ($millions) | 4.9548% | 3,436 |
| Cash dividends to net income (ytd only)* | 47.9036% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8610% | 778 |
| Loan loss allowance to noncurrent loans | 540.9850% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 3,114 |
| Noncurrent loans to loans | 0.3440% | 2,970 |
| Net loans and leases to total assets | 53.2254% | 3,559 |
| Net loans and leases to deposits | 66.8822% | 3,196 |
| Net loans and leases to core deposits | 72.8837% | 3,007 |
| Total domestic deposits to total assets | 79.5809% | 4,121 |
| Equity capital to assets | 9.9580% | 3,167 |
| Core capital (leverage) ratio | 9.4415% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5957% | 2,018 |
| Memoranda: | ||
| Average total assets | $598,841,000 | 1,332 |
| Average earning assets | $544,933,200 | 1,365 |
| Average equity | $57,339,400 | 1,494 |
| Average total loans | $327,173,000 | 1,586 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,110 |
| Cost of funding earning assets | 0.9828% | 805 |
| Net interest margin | 2.9672% | 4,056 |
| Noninterest income to average assets | 0.6620% | 1,938 |
| Noninterest expense to average assets | 2.5273% | 2,749 |
| Loan and lease loss provision to assets | 0.2919% | 1,388 |
| Net operating income to assets | 0.5454% | 3,918 |
| Return on assets (ROA) | 0.6342% | 3,771 |
| Pretax return on assets | 0.6342% | 4,039 |
| Return on Equity (ROE) | 6.6922% | 3,314 |
| Retained earnings to average equity (ytd only) | 4.2027% | 2,946 |
| Net charge-offs to loans | 0.4735% | 312 |
| Credit loss provision to net charge-offs | 112.5971% | 2,531 |
| Earnings coverage of net charge-offs (x) | 3.2304% | 2,926 |
| Efficiency ratio | 75.1147% | 1,289 |
| Assets per employee ($millions) | 5.0838% | 3,137 |
| Cash dividends to net income (ytd only)* | 37.2003% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8441% | 664 |
| Loan loss allowance to noncurrent loans | 556.6331% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 3,263 |
| Noncurrent loans to loans | 0.3313% | 3,094 |
| Net loans and leases to total assets | 53.0842% | 3,883 |
| Net loans and leases to deposits | 67.3145% | 3,529 |
| Net loans and leases to core deposits | 74.2002% | 3,308 |
| Total domestic deposits to total assets | 78.8599% | 4,074 |
| Equity capital to assets | 9.8390% | 3,394 |
| Core capital (leverage) ratio | 9.2830% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2317% | 2,094 |
| Memoranda: | ||
| Average total assets | $596,191,750 | 1,318 |
| Average earning assets | $543,041,750 | 1,342 |
| Average equity | $56,502,250 | 1,502 |
| Average total loans | $326,334,500 | 1,588 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1187% | 3,003 |
| Cost of funding earning assets | 1.0492% | 840 |
| Net interest margin | 3.0695% | 3,971 |
| Noninterest income to average assets | 0.6758% | 1,828 |
| Noninterest expense to average assets | 2.5596% | 2,798 |
| Loan and lease loss provision to assets | 0.4240% | 930 |
| Net operating income to assets | 0.4875% | 4,049 |
| Return on assets (ROA) | 0.6113% | 3,781 |
| Pretax return on assets | 0.6113% | 4,038 |
| Return on Equity (ROE) | 6.5355% | 3,317 |
| Retained earnings to average equity (ytd only) | 3.6871% | 3,070 |
| Net charge-offs to loans | 0.7320% | 212 |
| Credit loss provision to net charge-offs | 105.3782% | 2,362 |
| Earnings coverage of net charge-offs (x) | 2.2655% | 2,791 |
| Efficiency ratio | 73.7411% | 1,491 |
| Assets per employee ($millions) | 4.9115% | 3,286 |
| Cash dividends to net income (ytd only)* | 43.5841% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 648 |
| Loan loss allowance to noncurrent loans | 528.3451% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 3,327 |
| Noncurrent loans to loans | 0.3413% | 3,174 |
| Net loans and leases to total assets | 52.8173% | 3,969 |
| Net loans and leases to deposits | 67.2251% | 3,625 |
| Net loans and leases to core deposits | 75.5116% | 3,328 |
| Total domestic deposits to total assets | 78.5677% | 4,101 |
| Equity capital to assets | 9.5662% | 3,594 |
| Core capital (leverage) ratio | 9.0154% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9106% | 2,219 |
| Memoranda: | ||
| Average total assets | $591,572,333 | 1,308 |
| Average earning assets | $538,715,667 | 1,330 |
| Average equity | $55,328,667 | 1,514 |
| Average total loans | $325,138,000 | 1,570 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 3,667 |
| Cost of funding earning assets | 1.1242% | 975 |
| Net interest margin | 2.9184% | 4,406 |
| Noninterest income to average assets | 0.6201% | 1,951 |
| Noninterest expense to average assets | 2.6224% | 2,916 |
| Loan and lease loss provision to assets | 0.0374% | 3,303 |
| Net operating income to assets | 0.6104% | 3,568 |
| Return on assets (ROA) | 0.6547% | 3,494 |
| Pretax return on assets | 0.6547% | 3,800 |
| Return on Equity (ROE) | 7.0871% | 2,908 |
| Retained earnings to average equity (ytd only) | 5.2067% | 2,189 |
| Net charge-offs to loans | -0.0112% | 4,112 |
| Credit loss provision to net charge-offs | -600.0000% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1905% | 1,120 |
| Assets per employee ($millions) | 4.5120% | 3,243 |
| Cash dividends to net income (ytd only)* | 26.5328% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8425% | 669 |
| Loan loss allowance to noncurrent loans | 216.2104% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 2,351 |
| Noncurrent loans to loans | 0.8522% | 1,913 |
| Net loans and leases to total assets | 54.9359% | 3,917 |
| Net loans and leases to deposits | 68.8323% | 3,673 |
| Net loans and leases to core deposits | 80.0359% | 3,191 |
| Total domestic deposits to total assets | 79.8113% | 3,892 |
| Equity capital to assets | 8.4599% | 4,849 |
| Core capital (leverage) ratio | 9.5494% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1020% | 2,237 |
| Memoranda: | ||
| Average total assets | $577,935,000 | 1,294 |
| Average earning assets | $524,803,000 | 1,321 |
| Average equity | $53,393,000 | 1,563 |
| Average total loans | $321,277,000 | 1,555 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0829% | 4,078 |
| Cost of funding earning assets | 1.0612% | 1,472 |
| Net interest margin | 3.0217% | 4,496 |
| Noninterest income to average assets | 0.5783% | 2,320 |
| Noninterest expense to average assets | 2.6921% | 2,903 |
| Loan and lease loss provision to assets | 0.0350% | 3,310 |
| Net operating income to assets | 0.5794% | 4,223 |
| Return on assets (ROA) | 0.6010% | 4,218 |
| Pretax return on assets | 0.6010% | 4,412 |
| Return on Equity (ROE) | 6.0970% | 3,886 |
| Retained earnings to average equity (ytd only) | 4.4012% | 2,761 |
| Net charge-offs to loans | 0.0378% | 2,631 |
| Credit loss provision to net charge-offs | 166.3793% | 1,563 |
| Earnings coverage of net charge-offs (x) | 29.2155% | 1,608 |
| Efficiency ratio | 81.4179% | 836 |
| Assets per employee ($millions) | 4.5183% | 3,194 |
| Cash dividends to net income (ytd only)* | 27.8130% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8747% | 582 |
| Loan loss allowance to noncurrent loans | 494.5046% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 2,483 |
| Noncurrent loans to loans | 0.3791% | 3,077 |
| Net loans and leases to total assets | 54.1736% | 4,062 |
| Net loans and leases to deposits | 67.0375% | 3,896 |
| Net loans and leases to core deposits | 76.7935% | 3,530 |
| Total domestic deposits to total assets | 80.8108% | 3,808 |
| Equity capital to assets | 10.0284% | 3,890 |
| Core capital (leverage) ratio | 9.8176% | 3,712 |
| Tier 1 risk-based capital ratio | 13.1942% | 3,686 |
| Total risk-based capital ratio | 14.4460% | 3,573 |
| Memoranda: | ||
| Average total assets | $551,570,000 | 1,297 |
| Average earning assets | $498,004,400 | 1,334 |
| Average equity | $54,371,400 | 1,486 |
| Average total loans | $306,695,800 | 1,576 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0739% | 4,213 |
| Cost of funding earning assets | 1.0237% | 1,667 |
| Net interest margin | 3.0502% | 4,557 |
| Noninterest income to average assets | 0.5697% | 2,356 |
| Noninterest expense to average assets | 2.7122% | 2,833 |
| Loan and lease loss provision to assets | 0.0335% | 3,242 |
| Net operating income to assets | 0.5751% | 4,365 |
| Return on assets (ROA) | 0.5931% | 4,366 |
| Pretax return on assets | 0.5931% | 4,555 |
| Return on Equity (ROE) | 6.0447% | 4,035 |
| Retained earnings to average equity (ytd only) | 4.3574% | 3,219 |
| Net charge-offs to loans | 0.0298% | 2,483 |
| Credit loss provision to net charge-offs | 201.4706% | 1,302 |
| Earnings coverage of net charge-offs (x) | 36.6488% | 1,444 |
| Efficiency ratio | 81.6751% | 779 |
| Assets per employee ($millions) | 4.2750% | 3,517 |
| Cash dividends to net income (ytd only)* | 27.9128% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9042% | 558 |
| Loan loss allowance to noncurrent loans | 439.9852% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 2,481 |
| Noncurrent loans to loans | 0.4328% | 3,010 |
| Net loans and leases to total assets | 54.1439% | 4,169 |
| Net loans and leases to deposits | 67.0814% | 3,991 |
| Net loans and leases to core deposits | 77.2938% | 3,605 |
| Total domestic deposits to total assets | 80.7137% | 3,829 |
| Equity capital to assets | 9.9513% | 4,067 |
| Core capital (leverage) ratio | 10.0178% | 3,622 |
| Tier 1 risk-based capital ratio | 13.0364% | 3,822 |
| Total risk-based capital ratio | 14.2882% | 3,726 |
| Memoranda: | ||
| Average total assets | $546,005,500 | 1,318 |
| Average earning assets | $492,457,500 | 1,353 |
| Average equity | $53,577,750 | 1,503 |
| Average total loans | $304,169,250 | 1,597 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 4,249 |
| Cost of funding earning assets | 0.9786% | 1,800 |
| Net interest margin | 3.0851% | 4,563 |
| Noninterest income to average assets | 0.5560% | 2,359 |
| Noninterest expense to average assets | 2.7468% | 2,761 |
| Loan and lease loss provision to assets | 0.0300% | 3,218 |
| Net operating income to assets | 0.5575% | 4,409 |
| Return on assets (ROA) | 0.5812% | 4,394 |
| Pretax return on assets | 0.5812% | 4,577 |
| Return on Equity (ROE) | 5.9524% | 4,058 |
| Retained earnings to average equity (ytd only) | 4.2907% | 3,106 |
| Net charge-offs to loans | 0.0020% | 3,109 |
| Credit loss provision to net charge-offs | 2,700.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 528.6667% | 143 |
| Efficiency ratio | 82.3797% | 778 |
| Assets per employee ($millions) | 4.3521% | 3,364 |
| Cash dividends to net income (ytd only)* | 27.9159% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9762% | 495 |
| Loan loss allowance to noncurrent loans | 392.2721% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 2,354 |
| Noncurrent loans to loans | 0.5038% | 2,769 |
| Net loans and leases to total assets | 53.2978% | 4,268 |
| Net loans and leases to deposits | 65.4442% | 4,132 |
| Net loans and leases to core deposits | 71.7741% | 4,020 |
| Total domestic deposits to total assets | 81.4400% | 3,682 |
| Equity capital to assets | 9.9256% | 4,034 |
| Core capital (leverage) ratio | 10.1403% | 3,460 |
| Tier 1 risk-based capital ratio | 13.2408% | 3,716 |
| Total risk-based capital ratio | 14.4931% | 3,622 |
| Memoranda: | ||
| Average total assets | $539,908,000 | 1,338 |
| Average earning assets | $486,201,330 | 1,367 |
| Average equity | $52,718,670 | 1,520 |
| Average total loans | $301,737,670 | 1,614 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0255% | 4,315 |
| Cost of funding earning assets | 0.9647% | 1,723 |
| Net interest margin | 3.0608% | 4,651 |
| Noninterest income to average assets | 0.5368% | 2,358 |
| Noninterest expense to average assets | 2.7239% | 2,836 |
| Loan and lease loss provision to assets | 0.0232% | 3,130 |
| Net operating income to assets | 0.5443% | 4,395 |
| Return on assets (ROA) | 0.5608% | 4,387 |
| Pretax return on assets | 0.5608% | 4,582 |
| Return on Equity (ROE) | 5.7931% | 4,081 |
| Retained earnings to average equity (ytd only) | 4.0970% | 3,280 |
| Net charge-offs to loans | -0.0013% | 3,822 |
| Credit loss provision to net charge-offs | -3,100.0000% | 4,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7563% | 812 |
| Assets per employee ($millions) | 4.1261% | 3,730 |
| Cash dividends to net income (ytd only)* | 29.2781% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9755% | 528 |
| Loan loss allowance to noncurrent loans | 393.0000% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 2,363 |
| Noncurrent loans to loans | 0.5027% | 2,808 |
| Net loans and leases to total assets | 54.5327% | 4,170 |
| Net loans and leases to deposits | 66.3129% | 4,031 |
| Net loans and leases to core deposits | 71.1985% | 3,994 |
| Total domestic deposits to total assets | 82.2354% | 3,667 |
| Equity capital to assets | 9.8369% | 3,980 |
| Core capital (leverage) ratio | 10.1032% | 3,492 |
| Tier 1 risk-based capital ratio | 13.4052% | 3,664 |
| Total risk-based capital ratio | 14.6578% | 3,569 |
| Memoranda: | ||
| Average total assets | $533,501,500 | 1,356 |
| Average earning assets | $480,137,500 | 1,390 |
| Average equity | $51,647,500 | 1,534 |
| Average total loans | $302,343,000 | 1,619 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9491% | 4,172 |
| Cost of funding earning assets | 0.7845% | 1,612 |
| Net interest margin | 3.1646% | 4,549 |
| Noninterest income to average assets | 0.5882% | 2,359 |
| Noninterest expense to average assets | 2.8309% | 2,578 |
| Loan and lease loss provision to assets | 0.0458% | 3,273 |
| Net operating income to assets | 0.5575% | 4,530 |
| Return on assets (ROA) | 0.5689% | 4,509 |
| Pretax return on assets | 0.5689% | 4,686 |
| Return on Equity (ROE) | 6.0462% | 4,159 |
| Retained earnings to average equity (ytd only) | 4.4970% | 3,055 |
| Net charge-offs to loans | -0.0527% | 4,990 |
| Credit loss provision to net charge-offs | -147.5610% | 4,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4333% | 757 |
| Assets per employee ($millions) | 4.0198% | 3,869 |
| Cash dividends to net income (ytd only)* | 25.6231% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9139% | 558 |
| Loan loss allowance to noncurrent loans | 364.7791% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 2,241 |
| Noncurrent loans to loans | 0.5247% | 2,701 |
| Net loans and leases to total assets | 56.6177% | 4,085 |
| Net loans and leases to deposits | 67.9639% | 3,979 |
| Net loans and leases to core deposits | 74.4055% | 3,823 |
| Total domestic deposits to total assets | 83.3056% | 3,224 |
| Equity capital to assets | 9.5231% | 4,108 |
| Core capital (leverage) ratio | 9.9850% | 3,593 |
| Tier 1 risk-based capital ratio | 13.1326% | 3,770 |
| Total risk-based capital ratio | 14.3850% | 3,654 |
| Memoranda: | ||
| Average total assets | $528,942,800 | 1,332 |
| Average earning assets | $475,705,800 | 1,371 |
| Average equity | $49,767,000 | 1,526 |
| Average total loans | $310,901,400 | 1,551 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 4,193 |
| Cost of funding earning assets | 0.7617% | 1,525 |
| Net interest margin | 3.1457% | 4,622 |
| Noninterest income to average assets | 0.5933% | 2,344 |
| Noninterest expense to average assets | 2.8272% | 2,544 |
| Loan and lease loss provision to assets | 0.0610% | 2,757 |
| Net operating income to assets | 0.5346% | 4,686 |
| Return on assets (ROA) | 0.5444% | 4,663 |
| Pretax return on assets | 0.5444% | 4,828 |
| Return on Equity (ROE) | 5.8037% | 4,320 |
| Retained earnings to average equity (ytd only) | 4.2573% | 3,643 |
| Net charge-offs to loans | -0.0722% | 5,065 |
| Credit loss provision to net charge-offs | -143.1953% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5988% | 736 |
| Assets per employee ($millions) | 4.1585% | 3,639 |
| Cash dividends to net income (ytd only)* | 26.6451% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8572% | 649 |
| Loan loss allowance to noncurrent loans | 407.4306% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 2,504 |
| Noncurrent loans to loans | 0.4558% | 3,019 |
| Net loans and leases to total assets | 58.2457% | 4,012 |
| Net loans and leases to deposits | 69.6808% | 3,944 |
| Net loans and leases to core deposits | 78.7738% | 3,592 |
| Total domestic deposits to total assets | 83.5893% | 3,089 |
| Equity capital to assets | 9.2806% | 4,297 |
| Core capital (leverage) ratio | 9.9007% | 3,742 |
| Tier 1 risk-based capital ratio | 12.8420% | 3,994 |
| Total risk-based capital ratio | 14.0942% | 3,898 |
| Memoranda: | ||
| Average total assets | $528,524,750 | 1,337 |
| Average earning assets | $475,389,500 | 1,376 |
| Average equity | $49,576,000 | 1,538 |
| Average total loans | $312,055,750 | 1,548 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8716% | 4,150 |
| Cost of funding earning assets | 0.7444% | 1,402 |
| Net interest margin | 3.1272% | 4,671 |
| Noninterest income to average assets | 0.5913% | 2,371 |
| Noninterest expense to average assets | 2.8316% | 2,575 |
| Loan and lease loss provision to assets | 0.0918% | 2,088 |
| Net operating income to assets | 0.4791% | 4,795 |
| Return on assets (ROA) | 0.4935% | 4,764 |
| Pretax return on assets | 0.4935% | 4,915 |
| Return on Equity (ROE) | 5.2423% | 4,478 |
| Retained earnings to average equity (ytd only) | 3.7232% | 3,739 |
| Net charge-offs to loans | -0.1081% | 5,189 |
| Credit loss provision to net charge-offs | -144.0476% | 4,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2219% | 743 |
| Assets per employee ($millions) | 3.9645% | 3,955 |
| Cash dividends to net income (ytd only)* | 28.9777% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8950% | 637 |
| Loan loss allowance to noncurrent loans | 237.4899% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 1,927 |
| Noncurrent loans to loans | 0.7979% | 2,135 |
| Net loans and leases to total assets | 57.5935% | 4,031 |
| Net loans and leases to deposits | 69.9118% | 3,869 |
| Net loans and leases to core deposits | 79.7501% | 3,441 |
| Total domestic deposits to total assets | 82.3803% | 3,600 |
| Equity capital to assets | 9.4610% | 4,146 |
| Core capital (leverage) ratio | 9.9018% | 3,678 |
| Tier 1 risk-based capital ratio | 13.0770% | 3,859 |
| Total risk-based capital ratio | 14.3298% | 3,774 |
| Memoranda: | ||
| Average total assets | $527,269,000 | 1,346 |
| Average earning assets | $473,965,670 | 1,387 |
| Average equity | $49,634,670 | 1,537 |
| Average total loans | $310,773,000 | 1,559 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8906% | 3,955 |
| Cost of funding earning assets | 0.7575% | 1,153 |
| Net interest margin | 3.1331% | 4,638 |
| Noninterest income to average assets | 0.5925% | 2,305 |
| Noninterest expense to average assets | 2.8380% | 2,578 |
| Loan and lease loss provision to assets | 0.0698% | 2,366 |
| Net operating income to assets | 0.4992% | 4,694 |
| Return on assets (ROA) | 0.5113% | 4,667 |
| Pretax return on assets | 0.5113% | 4,853 |
| Return on Equity (ROE) | 5.4455% | 4,336 |
| Retained earnings to average equity (ytd only) | 3.9346% | 3,617 |
| Net charge-offs to loans | 0.0077% | 2,464 |
| Credit loss provision to net charge-offs | 1,533.3333% | 233 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 512 |
| Efficiency ratio | 83.2999% | 843 |
| Assets per employee ($millions) | 4.0554% | 3,883 |
| Cash dividends to net income (ytd only)* | 27.7448% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 838 |
| Loan loss allowance to noncurrent loans | 109.8059% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.2761% | 1,163 |
| Noncurrent loans to loans | 1.6064% | 1,081 |
| Net loans and leases to total assets | 59.0070% | 3,850 |
| Net loans and leases to deposits | 71.5893% | 3,652 |
| Net loans and leases to core deposits | 81.4348% | 3,197 |
| Total domestic deposits to total assets | 82.4244% | 3,833 |
| Equity capital to assets | 9.4038% | 4,179 |
| Core capital (leverage) ratio | 9.5365% | 4,028 |
| Tier 1 risk-based capital ratio | 12.8064% | 4,059 |
| Total risk-based capital ratio | 14.0578% | 3,945 |
| Memoranda: | ||
| Average total assets | $527,264,500 | 1,357 |
| Average earning assets | $473,653,500 | 1,401 |
| Average equity | $49,509,000 | 1,547 |
| Average total loans | $311,387,500 | 1,553 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5909% | 4,590 |
| Cost of funding earning assets | 0.6586% | 1,253 |
| Net interest margin | 2.9324% | 5,000 |
| Noninterest income to average assets | 0.5640% | 2,637 |
| Noninterest expense to average assets | 2.8516% | 2,604 |
| Loan and lease loss provision to assets | 0.1006% | 2,214 |
| Net operating income to assets | 0.2359% | 5,038 |
| Return on assets (ROA) | 0.2426% | 5,043 |
| Pretax return on assets | 0.2426% | 5,270 |
| Return on Equity (ROE) | 2.5699% | 4,929 |
| Retained earnings to average equity (ytd only) | 1.2727% | 4,515 |
| Net charge-offs to loans | 0.0114% | 3,689 |
| Credit loss provision to net charge-offs | 1,637.5000% | 237 |
| Earnings coverage of net charge-offs (x) | 54.7813% | 1,023 |
| Efficiency ratio | 89.4448% | 453 |
| Assets per employee ($millions) | 4.0256% | 3,917 |
| Cash dividends to net income (ytd only)* | 50.4747% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7683% | 831 |
| Loan loss allowance to noncurrent loans | 84.2235% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.5426% | 871 |
| Noncurrent loans to loans | 2.0996% | 712 |
| Net loans and leases to total assets | 57.0367% | 4,108 |
| Net loans and leases to deposits | 69.7408% | 3,900 |
| Net loans and leases to core deposits | 79.1607% | 3,491 |
| Total domestic deposits to total assets | 81.7838% | 3,916 |
| Equity capital to assets | 9.3760% | 4,356 |
| Core capital (leverage) ratio | 9.6748% | 3,842 |
| Tier 1 risk-based capital ratio | 12.5244% | 4,195 |
| Total risk-based capital ratio | 13.7754% | 4,088 |
| Memoranda: | ||
| Average total assets | $520,938,800 | 1,345 |
| Average earning assets | $466,172,200 | 1,394 |
| Average equity | $49,185,200 | 1,538 |
| Average total loans | $280,939,800 | 1,651 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5435% | 4,709 |
| Cost of funding earning assets | 0.6453% | 1,272 |
| Net interest margin | 2.8981% | 5,087 |
| Noninterest income to average assets | 0.5597% | 2,672 |
| Noninterest expense to average assets | 2.8452% | 2,578 |
| Loan and lease loss provision to assets | 0.0993% | 2,126 |
| Net operating income to assets | 0.2063% | 5,348 |
| Return on assets (ROA) | 0.2104% | 5,357 |
| Pretax return on assets | 0.2104% | 5,379 |
| Return on Equity (ROE) | 2.2246% | 5,270 |
| Retained earnings to average equity (ytd only) | 0.8893% | 5,006 |
| Net charge-offs to loans | -0.0034% | 4,392 |
| Credit loss provision to net charge-offs | -5,514.2857% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3012% | 402 |
| Assets per employee ($millions) | 3.8311% | 4,262 |
| Cash dividends to net income (ytd only)* | 60.0244% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8517% | 777 |
| Loan loss allowance to noncurrent loans | 106.4587% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.3170% | 1,218 |
| Noncurrent loans to loans | 1.7393% | 1,033 |
| Net loans and leases to total assets | 55.3101% | 4,294 |
| Net loans and leases to deposits | 69.0995% | 4,032 |
| Net loans and leases to core deposits | 77.4377% | 3,686 |
| Total domestic deposits to total assets | 80.0441% | 4,301 |
| Equity capital to assets | 9.7771% | 4,168 |
| Core capital (leverage) ratio | 9.9853% | 3,582 |
| Tier 1 risk-based capital ratio | 13.3847% | 3,776 |
| Total risk-based capital ratio | 14.6366% | 3,690 |
| Memoranda: | ||
| Average total assets | $518,328,750 | 1,363 |
| Average earning assets | $463,413,000 | 1,417 |
| Average equity | $49,026,000 | 1,555 |
| Average total loans | $274,040,500 | 1,699 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5106% | 4,740 |
| Cost of funding earning assets | 0.6278% | 1,287 |
| Net interest margin | 2.8827% | 5,125 |
| Noninterest income to average assets | 0.5462% | 2,738 |
| Noninterest expense to average assets | 2.8413% | 2,611 |
| Loan and lease loss provision to assets | 0.0927% | 2,135 |
| Net operating income to assets | 0.1765% | 5,429 |
| Return on assets (ROA) | 0.1819% | 5,425 |
| Pretax return on assets | 0.1819% | 5,444 |
| Return on Equity (ROE) | 1.9450% | 5,351 |
| Retained earnings to average equity (ytd only) | 0.6209% | 4,946 |
| Net charge-offs to loans | -0.0030% | 4,234 |
| Credit loss provision to net charge-offs | -6,025.0000% | 5,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3441% | 386 |
| Assets per employee ($millions) | 3.7743% | 4,314 |
| Cash dividends to net income (ytd only)* | 68.0761% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8823% | 748 |
| Loan loss allowance to noncurrent loans | 103.1281% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.3234% | 1,234 |
| Noncurrent loans to loans | 1.8252% | 981 |
| Net loans and leases to total assets | 52.8989% | 4,488 |
| Net loans and leases to deposits | 65.6206% | 4,248 |
| Net loans and leases to core deposits | 73.2550% | 4,001 |
| Total domestic deposits to total assets | 80.6132% | 4,280 |
| Equity capital to assets | 9.7977% | 4,125 |
| Core capital (leverage) ratio | 9.8884% | 3,668 |
| Tier 1 risk-based capital ratio | 13.5954% | 3,642 |
| Total risk-based capital ratio | 14.8472% | 3,561 |
| Memoranda: | ||
| Average total assets | $519,980,670 | 1,366 |
| Average earning assets | $462,548,000 | 1,420 |
| Average equity | $48,637,000 | 1,572 |
| Average total loans | $268,952,670 | 1,723 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 4,801 |
| Cost of funding earning assets | 0.6247% | 1,216 |
| Net interest margin | 2.8347% | 5,192 |
| Noninterest income to average assets | 0.5282% | 2,779 |
| Noninterest expense to average assets | 2.8205% | 2,719 |
| Loan and lease loss provision to assets | 0.0696% | 2,422 |
| Net operating income to assets | 0.1353% | 5,472 |
| Return on assets (ROA) | 0.1406% | 5,475 |
| Pretax return on assets | 0.1406% | 5,489 |
| Return on Equity (ROE) | 1.5394% | 5,414 |
| Retained earnings to average equity (ytd only) | 0.2259% | 4,862 |
| Net charge-offs to loans | -0.0045% | 4,153 |
| Credit loss provision to net charge-offs | -3,033.3333% | 4,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2289% | 409 |
| Assets per employee ($millions) | 3.7683% | 4,388 |
| Cash dividends to net income (ytd only)* | 85.3261% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8838% | 808 |
| Loan loss allowance to noncurrent loans | 102.7422% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.3074% | 1,301 |
| Noncurrent loans to loans | 1.8335% | 1,016 |
| Net loans and leases to total assets | 50.6605% | 4,616 |
| Net loans and leases to deposits | 62.5752% | 4,399 |
| Net loans and leases to core deposits | 70.9806% | 4,075 |
| Total domestic deposits to total assets | 80.9595% | 4,419 |
| Equity capital to assets | 9.2638% | 4,550 |
| Core capital (leverage) ratio | 9.7459% | 3,823 |
| Tier 1 risk-based capital ratio | 14.0127% | 3,468 |
| Total risk-based capital ratio | 15.2644% | 3,386 |
| Memoranda: | ||
| Average total assets | $523,319,000 | 1,361 |
| Average earning assets | $460,995,000 | 1,427 |
| Average equity | $47,809,500 | 1,590 |
| Average total loans | $265,058,500 | 1,754 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4358% | 4,910 |
| Cost of funding earning assets | 0.5891% | 1,414 |
| Net interest margin | 2.8467% | 5,210 |
| Noninterest income to average assets | 0.5539% | 2,894 |
| Noninterest expense to average assets | 2.8218% | 2,953 |
| Loan and lease loss provision to assets | 0.1018% | 2,342 |
| Net operating income to assets | 0.1883% | 5,441 |
| Return on assets (ROA) | 0.2514% | 5,390 |
| Pretax return on assets | 0.2514% | 5,428 |
| Return on Equity (ROE) | 2.5834% | 5,271 |
| Retained earnings to average equity (ytd only) | 1.1368% | 4,843 |
| Net charge-offs to loans | 0.0487% | 3,068 |
| Credit loss provision to net charge-offs | 416.0000% | 771 |
| Earnings coverage of net charge-offs (x) | 11.8560% | 2,507 |
| Efficiency ratio | 90.6763% | 516 |
| Assets per employee ($millions) | 4.0200% | 3,928 |
| Cash dividends to net income (ytd only)* | 55.9969% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8975% | 808 |
| Loan loss allowance to noncurrent loans | 114.6156% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1790% | 1,541 |
| Noncurrent loans to loans | 1.6555% | 1,171 |
| Net loans and leases to total assets | 48.7355% | 4,848 |
| Net loans and leases to deposits | 61.8503% | 4,556 |
| Net loans and leases to core deposits | 69.7393% | 4,263 |
| Total domestic deposits to total assets | 78.7959% | 4,840 |
| Equity capital to assets | 9.0094% | 4,814 |
| Core capital (leverage) ratio | 9.7864% | 3,764 |
| Tier 1 risk-based capital ratio | 14.4471% | 3,215 |
| Total risk-based capital ratio | 15.6990% | 3,144 |
| Memoranda: | ||
| Average total assets | $510,781,800 | 1,343 |
| Average earning assets | $458,994,400 | 1,390 |
| Average equity | $49,701,800 | 1,527 |
| Average total loans | $256,634,600 | 1,754 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4547% | 4,915 |
| Cost of funding earning assets | 0.5835% | 1,469 |
| Net interest margin | 2.8712% | 5,231 |
| Noninterest income to average assets | 0.5467% | 2,933 |
| Noninterest expense to average assets | 2.9516% | 2,457 |
| Loan and lease loss provision to assets | 0.1060% | 2,160 |
| Net operating income to assets | 0.0855% | 5,639 |
| Return on assets (ROA) | 0.1644% | 5,583 |
| Pretax return on assets | 0.1644% | 5,602 |
| Return on Equity (ROE) | 1.6578% | 5,533 |
| Retained earnings to average equity (ytd only) | 0.2228% | 5,291 |
| Net charge-offs to loans | 0.0120% | 3,525 |
| Credit loss provision to net charge-offs | 1,752.1739% | 265 |
| Earnings coverage of net charge-offs (x) | 31.6479% | 1,437 |
| Efficiency ratio | 93.9069% | 396 |
| Assets per employee ($millions) | 3.9021% | 4,125 |
| Cash dividends to net income (ytd only)* | 86.5608% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9230% | 827 |
| Loan loss allowance to noncurrent loans | 146.5936% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0079% | 2,048 |
| Noncurrent loans to loans | 1.3118% | 1,692 |
| Net loans and leases to total assets | 49.3791% | 4,868 |
| Net loans and leases to deposits | 62.0825% | 4,624 |
| Net loans and leases to core deposits | 68.2391% | 4,448 |
| Total domestic deposits to total assets | 79.5379% | 4,607 |
| Equity capital to assets | 9.8278% | 4,327 |
| Core capital (leverage) ratio | 9.9762% | 3,604 |
| Tier 1 risk-based capital ratio | 15.1385% | 2,979 |
| Total risk-based capital ratio | 16.3914% | 2,915 |
| Memoranda: | ||
| Average total assets | $506,823,250 | 1,358 |
| Average earning assets | $458,334,250 | 1,398 |
| Average equity | $50,266,000 | 1,516 |
| Average total loans | $255,390,000 | 1,767 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4783% | 4,926 |
| Cost of funding earning assets | 0.5838% | 1,440 |
| Net interest margin | 2.8945% | 5,276 |
| Noninterest income to average assets | 0.5228% | 3,049 |
| Noninterest expense to average assets | 2.9372% | 2,558 |
| Loan and lease loss provision to assets | 0.1001% | 2,166 |
| Net operating income to assets | 0.1128% | 5,651 |
| Return on assets (ROA) | 0.1195% | 5,692 |
| Pretax return on assets | 0.1195% | 5,704 |
| Return on Equity (ROE) | 1.2014% | 5,656 |
| Retained earnings to average equity (ytd only) | -0.2029% | 5,325 |
| Net charge-offs to loans | 0.0181% | 3,143 |
| Credit loss provision to net charge-offs | 1,100.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 23.3913% | 1,592 |
| Efficiency ratio | 93.2412% | 439 |
| Assets per employee ($millions) | 3.8410% | 4,186 |
| Cash dividends to net income (ytd only)* | 116.8874% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 876 |
| Loan loss allowance to noncurrent loans | 138.4993% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.0327% | 2,063 |
| Noncurrent loans to loans | 1.3790% | 1,622 |
| Net loans and leases to total assets | 48.9848% | 4,912 |
| Net loans and leases to deposits | 60.5906% | 4,763 |
| Net loans and leases to core deposits | 66.1487% | 4,601 |
| Total domestic deposits to total assets | 80.8456% | 4,319 |
| Equity capital to assets | 10.0324% | 4,186 |
| Core capital (leverage) ratio | 10.0046% | 3,557 |
| Tier 1 risk-based capital ratio | 15.4612% | 2,875 |
| Total risk-based capital ratio | 16.7141% | 2,808 |
| Memoranda: | ||
| Average total assets | $505,373,000 | 1,369 |
| Average earning assets | $458,735,000 | 1,389 |
| Average equity | $50,275,670 | 1,521 |
| Average total loans | $254,732,670 | 1,773 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5099% | 4,869 |
| Cost of funding earning assets | 0.5950% | 1,361 |
| Net interest margin | 2.9150% | 5,301 |
| Noninterest income to average assets | 0.4865% | 3,222 |
| Noninterest expense to average assets | 2.9135% | 2,661 |
| Loan and lease loss provision to assets | 0.0813% | 2,327 |
| Net operating income to assets | 0.1422% | 5,621 |
| Return on assets (ROA) | 0.1485% | 5,669 |
| Pretax return on assets | 0.1485% | 5,695 |
| Return on Equity (ROE) | 1.4988% | 5,617 |
| Retained earnings to average equity (ytd only) | 0.2950% | 5,042 |
| Net charge-offs to loans | 0.0374% | 2,238 |
| Credit loss provision to net charge-offs | 429.1667% | 673 |
| Earnings coverage of net charge-offs (x) | 11.7917% | 1,843 |
| Efficiency ratio | 92.8751% | 505 |
| Assets per employee ($millions) | 3.8754% | 4,169 |
| Cash dividends to net income (ytd only)* | 80.3191% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 1,153 |
| Loan loss allowance to noncurrent loans | 128.6110% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.0449% | 2,123 |
| Noncurrent loans to loans | 1.3991% | 1,708 |
| Net loans and leases to total assets | 49.5865% | 4,841 |
| Net loans and leases to deposits | 64.7132% | 4,365 |
| Net loans and leases to core deposits | 68.8421% | 4,334 |
| Total domestic deposits to total assets | 76.6249% | 5,342 |
| Equity capital to assets | 9.8359% | 4,294 |
| Core capital (leverage) ratio | 9.9454% | 3,601 |
| Tier 1 risk-based capital ratio | 15.1619% | 3,081 |
| Total risk-based capital ratio | 16.4136% | 3,016 |
| Memoranda: | ||
| Average total assets | $506,475,500 | 1,363 |
| Average earning assets | $460,519,500 | 1,388 |
| Average equity | $50,173,500 | 1,525 |
| Average total loans | $256,461,500 | 1,754 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5537% | 4,795 |
| Cost of funding earning assets | 0.6435% | 1,110 |
| Net interest margin | 2.9102% | 5,318 |
| Noninterest income to average assets | 0.5489% | 3,018 |
| Noninterest expense to average assets | 2.8607% | 2,993 |
| Loan and lease loss provision to assets | 0.0031% | 4,328 |
| Net operating income to assets | 0.3196% | 5,299 |
| Return on assets (ROA) | 0.3716% | 5,223 |
| Pretax return on assets | 0.3716% | 5,379 |
| Return on Equity (ROE) | 3.5803% | 5,110 |
| Retained earnings to average equity (ytd only) | 2.3256% | 4,402 |
| Net charge-offs to loans | -0.1317% | 5,849 |
| Credit loss provision to net charge-offs | -4.9342% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8639% | 697 |
| Assets per employee ($millions) | 3.8868% | 4,142 |
| Cash dividends to net income (ytd only)* | 35.0446% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7945% | 1,142 |
| Loan loss allowance to noncurrent loans | 116.3780% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 1,994 |
| Noncurrent loans to loans | 1.5419% | 1,494 |
| Net loans and leases to total assets | 49.8696% | 4,882 |
| Net loans and leases to deposits | 65.3709% | 4,365 |
| Net loans and leases to core deposits | 69.6450% | 4,317 |
| Total domestic deposits to total assets | 76.2871% | 5,413 |
| Equity capital to assets | 9.9783% | 3,984 |
| Core capital (leverage) ratio | 10.2854% | 3,173 |
| Tier 1 risk-based capital ratio | 15.4277% | 2,969 |
| Total risk-based capital ratio | 16.6797% | 2,906 |
| Memoranda: | ||
| Average total assets | $482,222,400 | 1,398 |
| Average earning assets | $436,531,800 | 1,429 |
| Average equity | $50,052,000 | 1,489 |
| Average total loans | $230,865,000 | 1,855 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5713% | 4,817 |
| Cost of funding earning assets | 0.6639% | 1,004 |
| Net interest margin | 2.9074% | 5,399 |
| Noninterest income to average assets | 0.5516% | 3,043 |
| Noninterest expense to average assets | 2.9027% | 2,842 |
| Loan and lease loss provision to assets | 0.0042% | 4,174 |
| Net operating income to assets | 0.2706% | 5,534 |
| Return on assets (ROA) | 0.3309% | 5,449 |
| Pretax return on assets | 0.3309% | 5,593 |
| Return on Equity (ROE) | 3.1563% | 5,331 |
| Retained earnings to average equity (ytd only) | 1.9258% | 4,919 |
| Net charge-offs to loans | -0.1731% | 5,956 |
| Credit loss provision to net charge-offs | -5.1370% | 4,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3517% | 607 |
| Assets per employee ($millions) | 3.9945% | 3,886 |
| Cash dividends to net income (ytd only)* | 38.9871% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8881% | 1,095 |
| Loan loss allowance to noncurrent loans | 115.5133% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.1610% | 2,045 |
| Noncurrent loans to loans | 1.6345% | 1,509 |
| Net loans and leases to total assets | 49.4004% | 4,979 |
| Net loans and leases to deposits | 63.0571% | 4,638 |
| Net loans and leases to core deposits | 67.3567% | 4,598 |
| Total domestic deposits to total assets | 78.3423% | 5,120 |
| Equity capital to assets | 10.4607% | 3,641 |
| Core capital (leverage) ratio | 10.4104% | 3,155 |
| Tier 1 risk-based capital ratio | 15.7685% | 2,911 |
| Total risk-based capital ratio | 17.0209% | 2,842 |
| Memoranda: | ||
| Average total assets | $477,428,500 | 1,419 |
| Average earning assets | $431,206,500 | 1,447 |
| Average equity | $50,057,250 | 1,493 |
| Average total loans | $224,927,750 | 1,904 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5409% | 4,880 |
| Cost of funding earning assets | 0.6730% | 975 |
| Net interest margin | 2.8680% | 5,498 |
| Noninterest income to average assets | 0.5441% | 3,081 |
| Noninterest expense to average assets | 2.8566% | 3,042 |
| Loan and lease loss provision to assets | 0.0063% | 3,969 |
| Net operating income to assets | 0.2643% | 5,540 |
| Return on assets (ROA) | 0.3519% | 5,400 |
| Pretax return on assets | 0.3519% | 5,568 |
| Return on Equity (ROE) | 3.3541% | 5,291 |
| Retained earnings to average equity (ytd only) | 2.0868% | 4,659 |
| Net charge-offs to loans | -0.3181% | 6,134 |
| Credit loss provision to net charge-offs | -4.2980% | 4,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3481% | 667 |
| Assets per employee ($millions) | 4.1023% | 3,679 |
| Cash dividends to net income (ytd only)* | 37.7831% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9685% | 1,032 |
| Loan loss allowance to noncurrent loans | 112.2628% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.2041% | 2,102 |
| Noncurrent loans to loans | 1.7535% | 1,462 |
| Net loans and leases to total assets | 48.2863% | 5,078 |
| Net loans and leases to deposits | 58.1776% | 4,983 |
| Net loans and leases to core deposits | 61.7784% | 4,956 |
| Total domestic deposits to total assets | 82.9980% | 3,962 |
| Equity capital to assets | 10.4545% | 3,494 |
| Core capital (leverage) ratio | 10.4781% | 2,990 |
| Tier 1 risk-based capital ratio | 16.4648% | 2,625 |
| Total risk-based capital ratio | 17.7183% | 2,581 |
| Memoranda: | ||
| Average total assets | $476,792,670 | 1,430 |
| Average earning assets | $429,434,670 | 1,461 |
| Average equity | $50,029,000 | 1,498 |
| Average total loans | $219,453,330 | 1,945 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4989% | 4,968 |
| Cost of funding earning assets | 0.7039% | 839 |
| Net interest margin | 2.7950% | 5,649 |
| Noninterest income to average assets | 0.5247% | 3,126 |
| Noninterest expense to average assets | 2.7516% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2791% | 5,481 |
| Return on assets (ROA) | 0.3126% | 5,472 |
| Pretax return on assets | 0.3126% | 5,620 |
| Return on Equity (ROE) | 2.9739% | 5,389 |
| Retained earnings to average equity (ytd only) | 1.7700% | 4,764 |
| Net charge-offs to loans | -0.6529% | 6,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7909% | 794 |
| Assets per employee ($millions) | 3.9866% | 3,990 |
| Cash dividends to net income (ytd only)* | 40.4826% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1777% | 831 |
| Loan loss allowance to noncurrent loans | 107.1578% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.2121% | 2,211 |
| Noncurrent loans to loans | 2.0322% | 1,286 |
| Net loans and leases to total assets | 43.5187% | 5,387 |
| Net loans and leases to deposits | 52.9189% | 5,274 |
| Net loans and leases to core deposits | 56.0995% | 5,245 |
| Total domestic deposits to total assets | 82.2365% | 4,442 |
| Equity capital to assets | 10.6119% | 3,409 |
| Core capital (leverage) ratio | 10.3584% | 3,150 |
| Tier 1 risk-based capital ratio | 16.9660% | 2,487 |
| Total risk-based capital ratio | 18.2200% | 2,444 |
| Memoranda: | ||
| Average total assets | $477,258,000 | 1,437 |
| Average earning assets | $427,902,500 | 1,473 |
| Average equity | $50,169,000 | 1,499 |
| Average total loans | $211,985,000 | 2,002 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7899% | 4,526 |
| Cost of funding earning assets | 0.7267% | 968 |
| Net interest margin | 3.0632% | 5,291 |
| Noninterest income to average assets | 0.5644% | 3,097 |
| Noninterest expense to average assets | 2.7151% | 3,813 |
| Loan and lease loss provision to assets | 0.1834% | 1,401 |
| Net operating income to assets | 0.4049% | 5,205 |
| Return on assets (ROA) | 0.4703% | 5,025 |
| Pretax return on assets | 0.4703% | 5,323 |
| Return on Equity (ROE) | 4.3955% | 4,938 |
| Retained earnings to average equity (ytd only) | 2.1453% | 4,707 |
| Net charge-offs to loans | 0.8268% | 415 |
| Credit loss provision to net charge-offs | 48.4330% | 3,515 |
| Earnings coverage of net charge-offs (x) | 1.5538% | 4,395 |
| Efficiency ratio | 82.1904% | 1,640 |
| Assets per employee ($millions) | 4.0346% | 3,870 |
| Cash dividends to net income (ytd only)* | 51.1927% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9960% | 1,120 |
| Loan loss allowance to noncurrent loans | 97.8136% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.2062% | 2,363 |
| Noncurrent loans to loans | 2.0407% | 1,350 |
| Net loans and leases to total assets | 43.4627% | 5,500 |
| Net loans and leases to deposits | 53.1326% | 5,402 |
| Net loans and leases to core deposits | 56.8973% | 5,323 |
| Total domestic deposits to total assets | 81.8004% | 4,492 |
| Equity capital to assets | 10.4131% | 3,596 |
| Core capital (leverage) ratio | 10.3722% | 3,087 |
| Tier 1 risk-based capital ratio | 16.7501% | 2,623 |
| Total risk-based capital ratio | 18.0028% | 2,572 |
| Memoranda: | ||
| Average total assets | $463,526,400 | 1,444 |
| Average earning assets | $414,466,600 | 1,481 |
| Average equity | $49,596,200 | 1,457 |
| Average total loans | $212,251,400 | 1,959 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8526% | 4,362 |
| Cost of funding earning assets | 0.7307% | 990 |
| Net interest margin | 3.1219% | 5,191 |
| Noninterest income to average assets | 0.5590% | 3,137 |
| Noninterest expense to average assets | 2.6461% | 4,030 |
| Loan and lease loss provision to assets | 0.2467% | 883 |
| Net operating income to assets | 0.4551% | 5,055 |
| Return on assets (ROA) | 0.5213% | 4,860 |
| Pretax return on assets | 0.5213% | 5,263 |
| Return on Equity (ROE) | 4.8379% | 4,799 |
| Retained earnings to average equity (ytd only) | 2.2304% | 4,945 |
| Net charge-offs to loans | 0.1553% | 2,252 |
| Credit loss provision to net charge-offs | 344.1296% | 815 |
| Earnings coverage of net charge-offs (x) | 9.7893% | 2,623 |
| Efficiency ratio | 79.0377% | 2,051 |
| Assets per employee ($millions) | 3.9871% | 3,923 |
| Cash dividends to net income (ytd only)* | 53.8973% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7785% | 451 |
| Loan loss allowance to noncurrent loans | 83.7405% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.9150% | 1,526 |
| Noncurrent loans to loans | 3.3179% | 749 |
| Net loans and leases to total assets | 43.5628% | 5,554 |
| Net loans and leases to deposits | 53.2744% | 5,436 |
| Net loans and leases to core deposits | 56.7511% | 5,405 |
| Total domestic deposits to total assets | 81.7707% | 4,556 |
| Equity capital to assets | 10.8488% | 3,130 |
| Core capital (leverage) ratio | 10.6296% | 2,889 |
| Tier 1 risk-based capital ratio | 16.6184% | 2,762 |
| Total risk-based capital ratio | 17.8773% | 2,713 |
| Memoranda: | ||
| Average total assets | $459,379,250 | 1,463 |
| Average earning assets | $410,384,500 | 1,501 |
| Average equity | $49,496,500 | 1,457 |
| Average total loans | $212,084,000 | 1,973 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 4,253 |
| Cost of funding earning assets | 0.7336% | 1,001 |
| Net interest margin | 3.1392% | 5,125 |
| Noninterest income to average assets | 0.5385% | 3,214 |
| Noninterest expense to average assets | 2.6003% | 4,237 |
| Loan and lease loss provision to assets | 0.2400% | 939 |
| Net operating income to assets | 0.5027% | 4,799 |
| Return on assets (ROA) | 0.5660% | 4,621 |
| Pretax return on assets | 0.5660% | 5,070 |
| Return on Equity (ROE) | 5.2649% | 4,547 |
| Retained earnings to average equity (ytd only) | 2.1636% | 4,812 |
| Net charge-offs to loans | 0.0618% | 3,092 |
| Credit loss provision to net charge-offs | 833.3333% | 390 |
| Earnings coverage of net charge-offs (x) | 25.7879% | 1,395 |
| Efficiency ratio | 77.7836% | 2,323 |
| Assets per employee ($millions) | 4.2720% | 3,327 |
| Cash dividends to net income (ytd only)* | 58.9052% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6540% | 567 |
| Loan loss allowance to noncurrent loans | 81.9980% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.9199% | 1,681 |
| Noncurrent loans to loans | 3.2367% | 869 |
| Net loans and leases to total assets | 44.8296% | 5,473 |
| Net loans and leases to deposits | 54.9382% | 5,292 |
| Net loans and leases to core deposits | 58.3462% | 5,245 |
| Total domestic deposits to total assets | 81.6000% | 4,783 |
| Equity capital to assets | 10.8088% | 3,079 |
| Core capital (leverage) ratio | 10.4764% | 2,976 |
| Tier 1 risk-based capital ratio | 16.2200% | 2,970 |
| Total risk-based capital ratio | 17.4782% | 2,913 |
| Memoranda: | ||
| Average total assets | $458,338,330 | 1,465 |
| Average earning assets | $409,472,670 | 1,501 |
| Average equity | $49,270,000 | 1,456 |
| Average total loans | $213,699,670 | 1,956 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 4,088 |
| Cost of funding earning assets | 0.7360% | 1,040 |
| Net interest margin | 3.1633% | 5,042 |
| Noninterest income to average assets | 0.5122% | 3,315 |
| Noninterest expense to average assets | 2.4587% | 4,766 |
| Loan and lease loss provision to assets | 0.2189% | 1,037 |
| Net operating income to assets | 0.6611% | 3,886 |
| Return on assets (ROA) | 0.7022% | 3,756 |
| Pretax return on assets | 0.7022% | 4,479 |
| Return on Equity (ROE) | 6.5509% | 3,715 |
| Retained earnings to average equity (ytd only) | 2.1972% | 4,727 |
| Net charge-offs to loans | 0.0056% | 3,544 |
| Credit loss provision to net charge-offs | 8,333.3333% | 32 |
| Earnings coverage of net charge-offs (x) | 335.0000% | 144 |
| Efficiency ratio | 73.6428% | 3,208 |
| Assets per employee ($millions) | 4.2618% | 3,415 |
| Cash dividends to net income (ytd only)* | 66.4589% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5257% | 793 |
| Loan loss allowance to noncurrent loans | 74.6580% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.9710% | 1,742 |
| Noncurrent loans to loans | 3.3830% | 885 |
| Net loans and leases to total assets | 45.3037% | 5,402 |
| Net loans and leases to deposits | 55.1321% | 5,188 |
| Net loans and leases to core deposits | 59.7556% | 5,060 |
| Total domestic deposits to total assets | 82.1731% | 4,893 |
| Equity capital to assets | 10.7091% | 3,030 |
| Core capital (leverage) ratio | 10.5390% | 2,881 |
| Tier 1 risk-based capital ratio | 16.0028% | 3,172 |
| Total risk-based capital ratio | 17.2597% | 3,123 |
| Memoranda: | ||
| Average total assets | $456,820,500 | 1,474 |
| Average earning assets | $408,177,500 | 1,512 |
| Average equity | $48,970,500 | 1,464 |
| Average total loans | $214,314,000 | 1,946 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 4,588 |
| Cost of funding earning assets | 0.7769% | 1,338 |
| Net interest margin | 3.0897% | 5,339 |
| Noninterest income to average assets | 0.5540% | 3,373 |
| Noninterest expense to average assets | 2.5078% | 4,745 |
| Loan and lease loss provision to assets | 0.2164% | 1,690 |
| Net operating income to assets | 0.6395% | 4,079 |
| Return on assets (ROA) | 0.5477% | 4,646 |
| Pretax return on assets | 0.5477% | 5,055 |
| Return on Equity (ROE) | 5.3041% | 4,495 |
| Retained earnings to average equity (ytd only) | 2.7663% | 4,272 |
| Net charge-offs to loans | 0.7607% | 830 |
| Credit loss provision to net charge-offs | 65.4879% | 3,419 |
| Earnings coverage of net charge-offs (x) | 2.5900% | 4,138 |
| Efficiency ratio | 74.5561% | 3,040 |
| Assets per employee ($millions) | 4.2371% | 3,388 |
| Cash dividends to net income (ytd only)* | 47.8467% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4010% | 931 |
| Loan loss allowance to noncurrent loans | 67.6953% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.1168% | 1,690 |
| Noncurrent loans to loans | 3.5467% | 872 |
| Net loans and leases to total assets | 46.2205% | 5,468 |
| Net loans and leases to deposits | 56.3478% | 5,269 |
| Net loans and leases to core deposits | 60.4502% | 5,189 |
| Total domestic deposits to total assets | 82.0273% | 4,866 |
| Equity capital to assets | 10.7307% | 2,900 |
| Core capital (leverage) ratio | 10.4189% | 3,000 |
| Tier 1 risk-based capital ratio | 15.7481% | 3,222 |
| Total risk-based capital ratio | 17.0039% | 3,181 |
| Memoranda: | ||
| Average total assets | $462,111,200 | 1,430 |
| Average earning assets | $420,234,800 | 1,450 |
| Average equity | $47,717,600 | 1,470 |
| Average total loans | $200,742,000 | 1,994 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8400% | 4,697 |
| Cost of funding earning assets | 0.7816% | 1,422 |
| Net interest margin | 3.0584% | 5,440 |
| Noninterest income to average assets | 0.6128% | 3,063 |
| Noninterest expense to average assets | 2.6135% | 4,343 |
| Loan and lease loss provision to assets | 0.2584% | 1,374 |
| Net operating income to assets | 0.5333% | 4,651 |
| Return on assets (ROA) | 0.5364% | 4,784 |
| Pretax return on assets | 0.5364% | 5,247 |
| Return on Equity (ROE) | 5.2451% | 4,598 |
| Retained earnings to average equity (ytd only) | 2.2435% | 4,972 |
| Net charge-offs to loans | 0.8355% | 700 |
| Credit loss provision to net charge-offs | 72.8155% | 3,006 |
| Earnings coverage of net charge-offs (x) | 2.2306% | 4,097 |
| Efficiency ratio | 76.7499% | 2,607 |
| Assets per employee ($millions) | 4.2361% | 3,353 |
| Cash dividends to net income (ytd only)* | 57.2272% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6410% | 794 |
| Loan loss allowance to noncurrent loans | 62.6172% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 2.2241% | 1,788 |
| Noncurrent loans to loans | 4.2177% | 815 |
| Net loans and leases to total assets | 43.0690% | 5,809 |
| Net loans and leases to deposits | 52.3015% | 5,688 |
| Net loans and leases to core deposits | 56.4153% | 5,588 |
| Total domestic deposits to total assets | 82.3477% | 4,806 |
| Equity capital to assets | 10.1502% | 3,697 |
| Core capital (leverage) ratio | 10.3427% | 3,180 |
| Tier 1 risk-based capital ratio | 16.0658% | 3,158 |
| Total risk-based capital ratio | 17.3228% | 3,114 |
| Memoranda: | ||
| Average total assets | $464,296,500 | 1,431 |
| Average earning assets | $423,909,500 | 1,446 |
| Average equity | $47,484,500 | 1,489 |
| Average total loans | $197,251,250 | 2,026 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8543% | 4,639 |
| Cost of funding earning assets | 0.7927% | 1,451 |
| Net interest margin | 3.0616% | 5,392 |
| Noninterest income to average assets | 0.6233% | 3,058 |
| Noninterest expense to average assets | 2.6222% | 4,309 |
| Loan and lease loss provision to assets | 0.2572% | 1,441 |
| Net operating income to assets | 0.5418% | 4,596 |
| Return on assets (ROA) | 0.5440% | 4,750 |
| Pretax return on assets | 0.5440% | 5,222 |
| Return on Equity (ROE) | 5.3059% | 4,559 |
| Retained earnings to average equity (ytd only) | 1.9819% | 5,011 |
| Net charge-offs to loans | 1.2662% | 452 |
| Credit loss provision to net charge-offs | 48.4653% | 3,244 |
| Earnings coverage of net charge-offs (x) | 1.5057% | 4,028 |
| Efficiency ratio | 76.6445% | 2,692 |
| Assets per employee ($millions) | 4.2152% | 3,322 |
| Cash dividends to net income (ytd only)* | 62.6478% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5849% | 896 |
| Loan loss allowance to noncurrent loans | 73.2075% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.8369% | 2,360 |
| Noncurrent loans to loans | 3.5310% | 1,190 |
| Net loans and leases to total assets | 41.3719% | 5,945 |
| Net loans and leases to deposits | 49.8210% | 5,855 |
| Net loans and leases to core deposits | 54.1161% | 5,745 |
| Total domestic deposits to total assets | 83.0411% | 4,685 |
| Equity capital to assets | 10.0196% | 3,891 |
| Core capital (leverage) ratio | 10.0827% | 3,395 |
| Tier 1 risk-based capital ratio | 16.0989% | 3,135 |
| Total risk-based capital ratio | 17.3549% | 3,074 |
| Memoranda: | ||
| Average total assets | $466,562,670 | 1,425 |
| Average earning assets | $426,381,000 | 1,432 |
| Average equity | $47,833,670 | 1,490 |
| Average total loans | $195,540,000 | 2,047 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8344% | 4,704 |
| Cost of funding earning assets | 0.8051% | 1,500 |
| Net interest margin | 3.0293% | 5,486 |
| Noninterest income to average assets | 0.6041% | 3,112 |
| Noninterest expense to average assets | 2.5781% | 4,481 |
| Loan and lease loss provision to assets | 0.2553% | 1,398 |
| Net operating income to assets | 0.5658% | 4,383 |
| Return on assets (ROA) | 0.5675% | 4,522 |
| Pretax return on assets | 0.5675% | 5,059 |
| Return on Equity (ROE) | 5.4748% | 4,319 |
| Retained earnings to average equity (ytd only) | 3.2914% | 4,274 |
| Net charge-offs to loans | 2.4971% | 165 |
| Credit loss provision to net charge-offs | 24.5499% | 2,971 |
| Earnings coverage of net charge-offs (x) | 0.7897% | 3,568 |
| Efficiency ratio | 75.8448% | 2,949 |
| Assets per employee ($millions) | 4.2342% | 3,471 |
| Cash dividends to net income (ytd only)* | 39.8801% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4709% | 1,150 |
| Loan loss allowance to noncurrent loans | 64.6827% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 1.9559% | 2,401 |
| Noncurrent loans to loans | 3.8201% | 1,204 |
| Net loans and leases to total assets | 40.3378% | 5,970 |
| Net loans and leases to deposits | 48.5833% | 5,879 |
| Net loans and leases to core deposits | 54.2116% | 5,650 |
| Total domestic deposits to total assets | 83.0280% | 4,844 |
| Equity capital to assets | 10.4655% | 3,577 |
| Core capital (leverage) ratio | 10.0031% | 3,377 |
| Tier 1 risk-based capital ratio | 16.1118% | 3,198 |
| Total risk-based capital ratio | 17.3666% | 3,156 |
| Memoranda: | ||
| Average total assets | $470,114,500 | 1,426 |
| Average earning assets | $433,760,000 | 1,415 |
| Average equity | $48,732,500 | 1,484 |
| Average total loans | $195,744,500 | 2,058 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 4,513 |
| Cost of funding earning assets | 0.9449% | 1,671 |
| Net interest margin | 3.2740% | 5,343 |
| Noninterest income to average assets | 0.6249% | 3,141 |
| Noninterest expense to average assets | 2.5778% | 4,825 |
| Loan and lease loss provision to assets | 0.3560% | 1,879 |
| Net operating income to assets | 0.7297% | 3,606 |
| Return on assets (ROA) | 0.7372% | 3,816 |
| Pretax return on assets | 0.7372% | 4,531 |
| Return on Equity (ROE) | 7.2223% | 3,516 |
| Retained earnings to average equity (ytd only) | 3.9576% | 3,416 |
| Net charge-offs to loans | 0.1513% | 4,177 |
| Credit loss provision to net charge-offs | 532.3718% | 455 |
| Earnings coverage of net charge-offs (x) | 16.2372% | 1,590 |
| Efficiency ratio | 70.3639% | 3,742 |
| Assets per employee ($millions) | 4.1619% | 3,632 |
| Cash dividends to net income (ytd only)* | 45.2035% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8574% | 775 |
| Loan loss allowance to noncurrent loans | 242.6132% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.8700% | 4,308 |
| Noncurrent loans to loans | 1.1778% | 3,883 |
| Net loans and leases to total assets | 40.7128% | 6,124 |
| Net loans and leases to deposits | 49.8211% | 5,969 |
| Net loans and leases to core deposits | 56.0005% | 5,714 |
| Total domestic deposits to total assets | 81.7180% | 5,185 |
| Equity capital to assets | 10.2685% | 3,802 |
| Core capital (leverage) ratio | 9.9857% | 3,421 |
| Tier 1 risk-based capital ratio | 15.4878% | 3,428 |
| Total risk-based capital ratio | 16.7460% | 3,386 |
| Memoranda: | ||
| Average total assets | $466,600,800 | 1,417 |
| Average earning assets | $433,042,000 | 1,394 |
| Average equity | $47,630,000 | 1,467 |
| Average total loans | $206,247,200 | 1,955 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 4,510 |
| Cost of funding earning assets | 0.9740% | 1,714 |
| Net interest margin | 3.3108% | 5,351 |
| Noninterest income to average assets | 0.5995% | 3,276 |
| Noninterest expense to average assets | 2.6810% | 4,450 |
| Loan and lease loss provision to assets | 0.3905% | 1,646 |
| Net operating income to assets | 0.6043% | 4,378 |
| Return on assets (ROA) | 0.6129% | 4,590 |
| Pretax return on assets | 0.6129% | 5,126 |
| Return on Equity (ROE) | 6.0137% | 4,322 |
| Retained earnings to average equity (ytd only) | 2.5761% | 5,021 |
| Net charge-offs to loans | 0.2178% | 3,420 |
| Credit loss provision to net charge-offs | 400.2941% | 671 |
| Earnings coverage of net charge-offs (x) | 10.1971% | 2,217 |
| Efficiency ratio | 72.9352% | 3,156 |
| Assets per employee ($millions) | 4.1278% | 3,631 |
| Cash dividends to net income (ytd only)* | 57.1629% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6203% | 1,063 |
| Loan loss allowance to noncurrent loans | 223.5491% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 4,516 |
| Noncurrent loans to loans | 1.1721% | 4,106 |
| Net loans and leases to total assets | 43.0398% | 6,034 |
| Net loans and leases to deposits | 52.8834% | 5,897 |
| Net loans and leases to core deposits | 58.9333% | 5,668 |
| Total domestic deposits to total assets | 81.3863% | 5,240 |
| Equity capital to assets | 10.3297% | 4,043 |
| Core capital (leverage) ratio | 9.9393% | 3,630 |
| Tier 1 risk-based capital ratio | 14.6505% | 4,088 |
| Total risk-based capital ratio | 15.9066% | 4,045 |
| Memoranda: | ||
| Average total assets | $464,635,500 | 1,438 |
| Average earning assets | $431,750,000 | 1,415 |
| Average equity | $47,357,500 | 1,488 |
| Average total loans | $208,096,750 | 1,955 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 4,565 |
| Cost of funding earning assets | 1.0112% | 1,698 |
| Net interest margin | 3.2909% | 5,468 |
| Noninterest income to average assets | 0.5617% | 3,516 |
| Noninterest expense to average assets | 2.6725% | 4,526 |
| Loan and lease loss provision to assets | 0.3915% | 1,679 |
| Net operating income to assets | 0.5578% | 4,550 |
| Return on assets (ROA) | 0.5707% | 4,771 |
| Pretax return on assets | 0.5707% | 5,247 |
| Return on Equity (ROE) | 5.6241% | 4,513 |
| Retained earnings to average equity (ytd only) | 3.8708% | 4,042 |
| Net charge-offs to loans | 0.0564% | 4,624 |
| Credit loss provision to net charge-offs | 1,544.0678% | 212 |
| Earnings coverage of net charge-offs (x) | 37.4407% | 921 |
| Efficiency ratio | 73.7897% | 3,114 |
| Assets per employee ($millions) | 3.9426% | 3,992 |
| Cash dividends to net income (ytd only)* | 31.1747% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4847% | 1,304 |
| Loan loss allowance to noncurrent loans | 189.0631% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.9415% | 4,487 |
| Noncurrent loans to loans | 1.3142% | 3,952 |
| Net loans and leases to total assets | 44.5037% | 5,966 |
| Net loans and leases to deposits | 54.6681% | 5,803 |
| Net loans and leases to core deposits | 59.9565% | 5,592 |
| Total domestic deposits to total assets | 81.4071% | 5,330 |
| Equity capital to assets | 10.4525% | 3,744 |
| Core capital (leverage) ratio | 9.7745% | 3,752 |
| Tier 1 risk-based capital ratio | 14.7072% | 3,960 |
| Total risk-based capital ratio | 15.9626% | 3,915 |
| Memoranda: | ||
| Average total assets | $465,411,000 | 1,434 |
| Average earning assets | $432,766,670 | 1,411 |
| Average equity | $47,225,000 | 1,480 |
| Average total loans | $209,352,000 | 1,946 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3055% | 4,713 |
| Cost of funding earning assets | 1.0464% | 1,702 |
| Net interest margin | 3.2591% | 5,611 |
| Noninterest income to average assets | 0.5888% | 3,304 |
| Noninterest expense to average assets | 2.6235% | 4,734 |
| Loan and lease loss provision to assets | 0.3877% | 1,623 |
| Net operating income to assets | 0.6109% | 4,299 |
| Return on assets (ROA) | 0.6263% | 4,443 |
| Pretax return on assets | 0.6263% | 5,029 |
| Return on Equity (ROE) | 6.2638% | 4,158 |
| Retained earnings to average equity (ytd only) | 4.4060% | 3,953 |
| Net charge-offs to loans | -0.0305% | 6,344 |
| Credit loss provision to net charge-offs | -2,843.7500% | 6,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4300% | 3,358 |
| Assets per employee ($millions) | 4.1064% | 3,780 |
| Cash dividends to net income (ytd only)* | 29.6599% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2648% | 1,750 |
| Loan loss allowance to noncurrent loans | 108.9342% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.3332% | 3,890 |
| Noncurrent loans to loans | 2.0790% | 3,054 |
| Net loans and leases to total assets | 44.2857% | 5,981 |
| Net loans and leases to deposits | 53.8719% | 5,822 |
| Net loans and leases to core deposits | 59.8038% | 5,546 |
| Total domestic deposits to total assets | 82.2056% | 5,225 |
| Equity capital to assets | 10.0024% | 4,119 |
| Core capital (leverage) ratio | 9.6495% | 3,847 |
| Tier 1 risk-based capital ratio | 14.4289% | 4,166 |
| Total risk-based capital ratio | 15.6824% | 4,124 |
| Memoranda: | ||
| Average total assets | $469,448,000 | 1,429 |
| Average earning assets | $436,926,500 | 1,402 |
| Average equity | $46,936,000 | 1,483 |
| Average total loans | $209,669,000 | 1,950 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3073% | 5,742 |
| Cost of funding earning assets | 1.1817% | 2,153 |
| Net interest margin | 3.1255% | 6,283 |
| Noninterest income to average assets | 0.6092% | 3,111 |
| Noninterest expense to average assets | 2.4012% | 5,772 |
| Loan and lease loss provision to assets | 0.3854% | 2,681 |
| Net operating income to assets | 0.7164% | 3,409 |
| Return on assets (ROA) | 0.7709% | 3,331 |
| Pretax return on assets | 0.7709% | 4,077 |
| Return on Equity (ROE) | 7.5957% | 3,104 |
| Retained earnings to average equity (ytd only) | -6.3784% | 6,534 |
| Net charge-offs to loans | 0.8234% | 2,102 |
| Credit loss provision to net charge-offs | 110.4396% | 3,024 |
| Earnings coverage of net charge-offs (x) | 3.1575% | 3,632 |
| Efficiency ratio | 68.5478% | 4,245 |
| Assets per employee ($millions) | 4.1661% | 3,521 |
| Cash dividends to net income (ytd only)* | 183.9735% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0915% | 2,028 |
| Loan loss allowance to noncurrent loans | 73.6198% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.6399% | 3,499 |
| Noncurrent loans to loans | 2.8409% | 2,305 |
| Net loans and leases to total assets | 43.0968% | 6,290 |
| Net loans and leases to deposits | 52.9784% | 6,140 |
| Net loans and leases to core deposits | 58.7947% | 5,951 |
| Total domestic deposits to total assets | 81.3480% | 5,346 |
| Equity capital to assets | 9.9938% | 4,177 |
| Core capital (leverage) ratio | 9.5259% | 3,982 |
| Tier 1 risk-based capital ratio | 14.3147% | 4,097 |
| Total risk-based capital ratio | 15.5550% | 4,071 |
| Memoranda: | ||
| Average total assets | $469,439,800 | 1,406 |
| Average earning assets | $434,611,600 | 1,397 |
| Average equity | $47,645,400 | 1,425 |
| Average total loans | $198,924,000 | 2,058 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3121% | 5,910 |
| Cost of funding earning assets | 1.2091% | 2,264 |
| Net interest margin | 3.1031% | 6,376 |
| Noninterest income to average assets | 0.6045% | 3,141 |
| Noninterest expense to average assets | 2.4460% | 5,642 |
| Loan and lease loss provision to assets | 0.3837% | 2,557 |
| Net operating income to assets | 0.6423% | 3,908 |
| Return on assets (ROA) | 0.7052% | 3,758 |
| Pretax return on assets | 0.7052% | 4,456 |
| Return on Equity (ROE) | 6.9211% | 3,562 |
| Retained earnings to average equity (ytd only) | -7.5237% | 6,739 |
| Net charge-offs to loans | 0.2364% | 3,942 |
| Credit loss provision to net charge-offs | 386.8195% | 729 |
| Earnings coverage of net charge-offs (x) | 10.3439% | 1,936 |
| Efficiency ratio | 70.4486% | 3,867 |
| Assets per employee ($millions) | 4.1840% | 3,479 |
| Cash dividends to net income (ytd only)* | 208.7061% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5972% | 1,269 |
| Loan loss allowance to noncurrent loans | 79.5563% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.8265% | 3,359 |
| Noncurrent loans to loans | 3.2646% | 2,120 |
| Net loans and leases to total assets | 41.3280% | 6,532 |
| Net loans and leases to deposits | 50.9631% | 6,446 |
| Net loans and leases to core deposits | 56.8433% | 6,236 |
| Total domestic deposits to total assets | 81.0939% | 5,400 |
| Equity capital to assets | 10.2952% | 3,962 |
| Core capital (leverage) ratio | 9.6823% | 3,875 |
| Tier 1 risk-based capital ratio | 14.9493% | 3,689 |
| Total risk-based capital ratio | 16.1922% | 3,669 |
| Memoranda: | ||
| Average total assets | $469,107,250 | 1,420 |
| Average earning assets | $433,494,250 | 1,410 |
| Average equity | $47,794,750 | 1,432 |
| Average total loans | $196,849,750 | 2,092 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 6,078 |
| Cost of funding earning assets | 1.2384% | 2,333 |
| Net interest margin | 3.0416% | 6,516 |
| Noninterest income to average assets | 0.5860% | 3,221 |
| Noninterest expense to average assets | 2.4058% | 5,823 |
| Loan and lease loss provision to assets | 0.3836% | 2,500 |
| Net operating income to assets | 0.6103% | 4,007 |
| Return on assets (ROA) | 0.6444% | 3,951 |
| Pretax return on assets | 0.6444% | 4,593 |
| Return on Equity (ROE) | 6.3469% | 3,769 |
| Retained earnings to average equity (ytd only) | -0.3526% | 5,920 |
| Net charge-offs to loans | 0.2967% | 3,389 |
| Credit loss provision to net charge-offs | 309.2784% | 980 |
| Earnings coverage of net charge-offs (x) | 8.0137% | 2,136 |
| Efficiency ratio | 70.7660% | 3,966 |
| Assets per employee ($millions) | 4.3058% | 3,159 |
| Cash dividends to net income (ytd only)* | 105.5556% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4868% | 1,463 |
| Loan loss allowance to noncurrent loans | 68.5193% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 2.3528% | 2,799 |
| Noncurrent loans to loans | 3.6293% | 1,939 |
| Net loans and leases to total assets | 40.2313% | 6,726 |
| Net loans and leases to deposits | 49.7042% | 6,625 |
| Net loans and leases to core deposits | 54.3140% | 6,541 |
| Total domestic deposits to total assets | 80.9416% | 5,543 |
| Equity capital to assets | 10.5513% | 3,442 |
| Core capital (leverage) ratio | 10.1298% | 3,107 |
| Tier 1 risk-based capital ratio | 15.9219% | 3,017 |
| Total risk-based capital ratio | 17.1763% | 2,990 |
| Memoranda: | ||
| Average total assets | $469,274,670 | 1,429 |
| Average earning assets | $434,106,670 | 1,414 |
| Average equity | $47,645,000 | 1,418 |
| Average total loans | $196,190,000 | 2,119 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 5,838 |
| Cost of funding earning assets | 1.2584% | 2,445 |
| Net interest margin | 3.0951% | 6,364 |
| Noninterest income to average assets | 0.5745% | 3,342 |
| Noninterest expense to average assets | 2.3691% | 5,989 |
| Loan and lease loss provision to assets | 0.3818% | 2,275 |
| Net operating income to assets | 0.6890% | 3,560 |
| Return on assets (ROA) | 0.6933% | 3,608 |
| Pretax return on assets | 0.6933% | 4,330 |
| Return on Equity (ROE) | 6.9629% | 3,401 |
| Retained earnings to average equity (ytd only) | 4.3465% | 3,563 |
| Net charge-offs to loans | 0.0645% | 4,283 |
| Credit loss provision to net charge-offs | 1,406.2500% | 284 |
| Earnings coverage of net charge-offs (x) | 39.4375% | 689 |
| Efficiency ratio | 68.8703% | 4,497 |
| Assets per employee ($millions) | 4.4103% | 3,032 |
| Cash dividends to net income (ytd only)* | 37.5765% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3689% | 1,644 |
| Loan loss allowance to noncurrent loans | 64.0112% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.9665% | 3,359 |
| Noncurrent loans to loans | 3.7008% | 1,991 |
| Net loans and leases to total assets | 39.9995% | 6,778 |
| Net loans and leases to deposits | 48.6706% | 6,712 |
| Net loans and leases to core deposits | 54.7578% | 6,508 |
| Total domestic deposits to total assets | 82.1843% | 5,231 |
| Equity capital to assets | 10.1644% | 3,578 |
| Core capital (leverage) ratio | 10.2797% | 2,826 |
| Tier 1 risk-based capital ratio | 16.3100% | 2,755 |
| Total risk-based capital ratio | 17.5638% | 2,712 |
| Memoranda: | ||
| Average total assets | $471,400,500 | 1,434 |
| Average earning assets | $436,434,500 | 1,414 |
| Average equity | $46,934,500 | 1,429 |
| Average total loans | $198,357,000 | 2,124 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 5,666 |
| Cost of funding earning assets | 1.4852% | 2,732 |
| Net interest margin | 3.2511% | 6,130 |
| Noninterest income to average assets | 0.6842% | 2,945 |
| Noninterest expense to average assets | 2.3676% | 6,173 |
| Loan and lease loss provision to assets | 0.4615% | 3,359 |
| Net operating income to assets | 0.8719% | 2,498 |
| Return on assets (ROA) | 0.9155% | 2,459 |
| Pretax return on assets | 0.9155% | 3,220 |
| Return on Equity (ROE) | 9.1363% | 2,240 |
| Retained earnings to average equity (ytd only) | 5.1988% | 2,309 |
| Net charge-offs to loans | 0.8286% | 2,561 |
| Credit loss provision to net charge-offs | 120.4467% | 3,499 |
| Earnings coverage of net charge-offs (x) | 3.4800% | 3,339 |
| Efficiency ratio | 63.9727% | 5,358 |
| Assets per employee ($millions) | 4.3202% | 3,164 |
| Cash dividends to net income (ytd only)* | 43.0968% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0465% | 2,183 |
| Loan loss allowance to noncurrent loans | 56.6567% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 2.0304% | 3,313 |
| Noncurrent loans to loans | 3.6120% | 2,073 |
| Net loans and leases to total assets | 42.3049% | 6,832 |
| Net loans and leases to deposits | 51.2498% | 6,794 |
| Net loans and leases to core deposits | 58.1601% | 6,547 |
| Total domestic deposits to total assets | 82.5465% | 4,997 |
| Equity capital to assets | 9.7480% | 4,055 |
| Core capital (leverage) ratio | 10.1842% | 2,883 |
| Tier 1 risk-based capital ratio | 15.3568% | 3,069 |
| Total risk-based capital ratio | 16.5934% | 3,034 |
| Memoranda: | ||
| Average total assets | $455,684,400 | 1,458 |
| Average earning assets | $422,836,800 | 1,430 |
| Average equity | $45,664,200 | 1,467 |
| Average total loans | $210,710,400 | 2,060 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7771% | 5,746 |
| Cost of funding earning assets | 1.5117% | 2,900 |
| Net interest margin | 3.2654% | 6,124 |
| Noninterest income to average assets | 0.6509% | 3,117 |
| Noninterest expense to average assets | 2.4457% | 5,904 |
| Loan and lease loss provision to assets | 0.4284% | 3,340 |
| Net operating income to assets | 0.8061% | 2,975 |
| Return on assets (ROA) | 0.8645% | 2,897 |
| Pretax return on assets | 0.8645% | 3,684 |
| Return on Equity (ROE) | 8.5662% | 2,666 |
| Retained earnings to average equity (ytd only) | 5.0081% | 2,985 |
| Net charge-offs to loans | 0.6530% | 2,799 |
| Credit loss provision to net charge-offs | 139.4813% | 2,856 |
| Earnings coverage of net charge-offs (x) | 4.0192% | 3,212 |
| Efficiency ratio | 66.4555% | 4,763 |
| Assets per employee ($millions) | 4.3462% | 3,179 |
| Cash dividends to net income (ytd only)* | 41.5359% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0063% | 2,200 |
| Loan loss allowance to noncurrent loans | 52.7000% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 2.2204% | 3,169 |
| Noncurrent loans to loans | 3.8069% | 2,020 |
| Net loans and leases to total assets | 44.2812% | 6,818 |
| Net loans and leases to deposits | 54.4248% | 6,736 |
| Net loans and leases to core deposits | 61.7921% | 6,484 |
| Total domestic deposits to total assets | 81.3621% | 5,249 |
| Equity capital to assets | 10.6261% | 3,378 |
| Core capital (leverage) ratio | 10.4020% | 2,799 |
| Tier 1 risk-based capital ratio | 15.2646% | 3,119 |
| Total risk-based capital ratio | 16.5160% | 3,085 |
| Memoranda: | ||
| Average total assets | $451,881,000 | 1,491 |
| Average earning assets | $419,209,500 | 1,466 |
| Average equity | $45,604,500 | 1,474 |
| Average total loans | $212,544,250 | 2,071 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8225% | 5,712 |
| Cost of funding earning assets | 1.5416% | 3,002 |
| Net interest margin | 3.2809% | 6,075 |
| Noninterest income to average assets | 0.6369% | 3,086 |
| Noninterest expense to average assets | 2.4367% | 5,954 |
| Loan and lease loss provision to assets | 0.4022% | 3,309 |
| Net operating income to assets | 0.8407% | 2,775 |
| Return on assets (ROA) | 0.8697% | 2,793 |
| Pretax return on assets | 0.8697% | 3,625 |
| Return on Equity (ROE) | 8.7788% | 2,559 |
| Retained earnings to average equity (ytd only) | 4.7819% | 3,025 |
| Net charge-offs to loans | 0.2737% | 3,970 |
| Credit loss provision to net charge-offs | 308.2192% | 1,188 |
| Earnings coverage of net charge-offs (x) | 9.5240% | 2,010 |
| Efficiency ratio | 66.2213% | 4,944 |
| Assets per employee ($millions) | 4.1396% | 3,512 |
| Cash dividends to net income (ytd only)* | 45.5293% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0997% | 1,961 |
| Loan loss allowance to noncurrent loans | 50.8293% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 2.7141% | 2,661 |
| Noncurrent loans to loans | 4.1308% | 1,811 |
| Net loans and leases to total assets | 46.0238% | 6,778 |
| Net loans and leases to deposits | 56.3976% | 6,690 |
| Net loans and leases to core deposits | 62.9386% | 6,482 |
| Total domestic deposits to total assets | 81.6061% | 5,147 |
| Equity capital to assets | 10.2924% | 3,660 |
| Core capital (leverage) ratio | 10.3744% | 2,743 |
| Tier 1 risk-based capital ratio | 14.9264% | 3,192 |
| Total risk-based capital ratio | 16.1646% | 3,171 |
| Memoranda: | ||
| Average total assets | $447,494,000 | 1,526 |
| Average earning assets | $415,011,670 | 1,491 |
| Average equity | $44,334,000 | 1,508 |
| Average total loans | $213,345,000 | 2,094 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 5,921 |
| Cost of funding earning assets | 1.5748% | 3,108 |
| Net interest margin | 3.2158% | 6,244 |
| Noninterest income to average assets | 0.6531% | 2,913 |
| Noninterest expense to average assets | 2.5017% | 5,724 |
| Loan and lease loss provision to assets | 0.4021% | 2,960 |
| Net operating income to assets | 0.7416% | 3,253 |
| Return on assets (ROA) | 0.7996% | 3,068 |
| Pretax return on assets | 0.7996% | 3,864 |
| Return on Equity (ROE) | 8.2311% | 2,764 |
| Retained earnings to average equity (ytd only) | 3.1361% | 4,264 |
| Net charge-offs to loans | 0.0614% | 4,805 |
| Credit loss provision to net charge-offs | 1,363.6364% | 362 |
| Earnings coverage of net charge-offs (x) | 38.7879% | 711 |
| Efficiency ratio | 68.6275% | 4,598 |
| Assets per employee ($millions) | 3.9955% | 3,886 |
| Cash dividends to net income (ytd only)* | 61.8994% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9854% | 2,227 |
| Loan loss allowance to noncurrent loans | 42.1021% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 2.6973% | 2,699 |
| Noncurrent loans to loans | 4.7158% | 1,567 |
| Net loans and leases to total assets | 46.1644% | 6,817 |
| Net loans and leases to deposits | 56.1944% | 6,760 |
| Net loans and leases to core deposits | 62.3871% | 6,570 |
| Total domestic deposits to total assets | 82.1514% | 5,010 |
| Equity capital to assets | 10.0280% | 3,831 |
| Core capital (leverage) ratio | 10.2780% | 2,832 |
| Tier 1 risk-based capital ratio | 14.7197% | 3,248 |
| Total risk-based capital ratio | 15.9568% | 3,222 |
| Memoranda: | ||
| Average total assets | $447,702,500 | 1,564 |
| Average earning assets | $416,570,500 | 1,527 |
| Average equity | $43,493,500 | 1,542 |
| Average total loans | $214,930,000 | 2,128 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2137% | 5,586 |
| Cost of funding earning assets | 1.7468% | 4,264 |
| Net interest margin | 3.4669% | 5,095 |
| Noninterest income to average assets | 0.6972% | 2,999 |
| Noninterest expense to average assets | 2.7070% | 5,359 |
| Loan and lease loss provision to assets | 0.4394% | 4,196 |
| Net operating income to assets | 0.7701% | 2,634 |
| Return on assets (ROA) | 1.0416% | 1,741 |
| Pretax return on assets | 1.0416% | 2,453 |
| Return on Equity (ROE) | 10.2389% | 1,622 |
| Retained earnings to average equity (ytd only) | 1.8351% | 3,812 |
| Net charge-offs to loans | 0.4252% | 4,095 |
| Credit loss provision to net charge-offs | 191.6047% | 2,080 |
| Earnings coverage of net charge-offs (x) | 5.2742% | 2,642 |
| Efficiency ratio | 69.1183% | 4,801 |
| Assets per employee ($millions) | 3.8940% | 4,033 |
| Cash dividends to net income (ytd only)* | 82.0777% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7517% | 2,703 |
| Loan loss allowance to noncurrent loans | 33.5006% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 2.6946% | 2,595 |
| Noncurrent loans to loans | 5.2290% | 1,261 |
| Net loans and leases to total assets | 48.0734% | 6,806 |
| Net loans and leases to deposits | 58.4734% | 6,751 |
| Net loans and leases to core deposits | 77.0078% | 6,335 |
| Total domestic deposits to total assets | 82.2141% | 4,858 |
| Equity capital to assets | 9.3963% | 4,565 |
| Core capital (leverage) ratio | 10.4973% | 2,611 |
| Tier 1 risk-based capital ratio | 14.7592% | 3,070 |
| Total risk-based capital ratio | 15.9946% | 3,034 |
| Memoranda: | ||
| Average total assets | $410,348,600 | 1,681 |
| Average earning assets | $381,033,600 | 1,650 |
| Average equity | $41,742,600 | 1,597 |
| Average total loans | $221,329,400 | 2,092 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2796% | 5,528 |
| Cost of funding earning assets | 1.7601% | 4,590 |
| Net interest margin | 3.5195% | 4,789 |
| Noninterest income to average assets | 0.6846% | 3,122 |
| Noninterest expense to average assets | 2.7651% | 5,037 |
| Loan and lease loss provision to assets | 0.4305% | 3,750 |
| Net operating income to assets | 0.7550% | 3,006 |
| Return on assets (ROA) | 1.0130% | 2,075 |
| Pretax return on assets | 1.0130% | 2,865 |
| Return on Equity (ROE) | 9.7530% | 2,013 |
| Retained earnings to average equity (ytd only) | -0.2938% | 5,288 |
| Net charge-offs to loans | 0.2902% | 4,220 |
| Credit loss provision to net charge-offs | 268.1818% | 1,579 |
| Earnings coverage of net charge-offs (x) | 7.3843% | 2,414 |
| Efficiency ratio | 69.9916% | 4,592 |
| Assets per employee ($millions) | 3.6568% | 4,526 |
| Cash dividends to net income (ytd only)* | 103.0124% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7090% | 2,592 |
| Loan loss allowance to noncurrent loans | 35.3400% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 2.6954% | 2,587 |
| Noncurrent loans to loans | 4.8360% | 1,407 |
| Net loans and leases to total assets | 51.3807% | 6,668 |
| Net loans and leases to deposits | 63.7186% | 6,516 |
| Net loans and leases to core deposits | 82.9638% | 6,125 |
| Total domestic deposits to total assets | 80.6369% | 5,212 |
| Equity capital to assets | 10.2638% | 3,772 |
| Core capital (leverage) ratio | 10.3921% | 2,891 |
| Tier 1 risk-based capital ratio | 14.2226% | 3,425 |
| Total risk-based capital ratio | 15.4495% | 3,389 |
| Memoranda: | ||
| Average total assets | $401,956,000 | 1,722 |
| Average earning assets | $373,000,250 | 1,699 |
| Average equity | $41,750,250 | 1,618 |
| Average total loans | $222,358,750 | 2,112 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3293% | 5,503 |
| Cost of funding earning assets | 1.7684% | 4,915 |
| Net interest margin | 3.5609% | 4,533 |
| Noninterest income to average assets | 0.6812% | 3,106 |
| Noninterest expense to average assets | 2.7885% | 5,007 |
| Loan and lease loss provision to assets | 0.3740% | 3,686 |
| Net operating income to assets | 0.8187% | 2,785 |
| Return on assets (ROA) | 1.0537% | 2,009 |
| Pretax return on assets | 1.0537% | 2,800 |
| Return on Equity (ROE) | 10.1019% | 1,989 |
| Retained earnings to average equity (ytd only) | 6.4294% | 1,832 |
| Net charge-offs to loans | 0.2070% | 4,219 |
| Credit loss provision to net charge-offs | 320.3463% | 1,456 |
| Earnings coverage of net charge-offs (x) | 10.2165% | 2,018 |
| Efficiency ratio | 70.0432% | 4,770 |
| Assets per employee ($millions) | 3.5070% | 4,804 |
| Cash dividends to net income (ytd only)* | 36.3549% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5961% | 2,762 |
| Loan loss allowance to noncurrent loans | 31.4969% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 3.3607% | 1,857 |
| Noncurrent loans to loans | 5.0676% | 1,202 |
| Net loans and leases to total assets | 52.7841% | 6,589 |
| Net loans and leases to deposits | 65.1048% | 6,468 |
| Net loans and leases to core deposits | 80.4191% | 6,370 |
| Total domestic deposits to total assets | 81.0756% | 5,052 |
| Equity capital to assets | 10.5611% | 3,327 |
| Core capital (leverage) ratio | 11.0343% | 2,375 |
| Tier 1 risk-based capital ratio | 15.1387% | 2,963 |
| Total risk-based capital ratio | 16.3237% | 2,923 |
| Memoranda: | ||
| Average total assets | $395,762,330 | 1,780 |
| Average earning assets | $366,763,000 | 1,753 |
| Average equity | $41,279,330 | 1,646 |
| Average total loans | $223,201,000 | 2,134 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3588% | 5,623 |
| Cost of funding earning assets | 1.7826% | 5,194 |
| Net interest margin | 3.5762% | 4,424 |
| Noninterest income to average assets | 0.5592% | 3,850 |
| Noninterest expense to average assets | 2.5888% | 5,503 |
| Loan and lease loss provision to assets | 0.4490% | 2,672 |
| Net operating income to assets | 0.8357% | 2,969 |
| Return on assets (ROA) | 1.2898% | 1,499 |
| Pretax return on assets | 1.2898% | 2,318 |
| Return on Equity (ROE) | 12.4465% | 1,531 |
| Retained earnings to average equity (ytd only) | 12.4465% | 723 |
| Net charge-offs to loans | 0.0529% | 4,727 |
| Credit loss provision to net charge-offs | 1,466.6667% | 438 |
| Earnings coverage of net charge-offs (x) | 41.9667% | 816 |
| Efficiency ratio | 66.8335% | 5,172 |
| Assets per employee ($millions) | 3.3712% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 3,046 |
| Loan loss allowance to noncurrent loans | 30.7276% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 3.2180% | 1,718 |
| Noncurrent loans to loans | 4.8492% | 1,134 |
| Net loans and leases to total assets | 56.2004% | 6,212 |
| Net loans and leases to deposits | 69.0509% | 6,069 |
| Net loans and leases to core deposits | 84.2540% | 6,047 |
| Total domestic deposits to total assets | 81.3898% | 4,795 |
| Equity capital to assets | 10.7272% | 3,262 |
| Core capital (leverage) ratio | 11.3131% | 2,268 |
| Tier 1 risk-based capital ratio | 15.1918% | 2,974 |
| Total risk-based capital ratio | 16.3482% | 2,957 |
| Memoranda: | ||
| Average total assets | $391,989,000 | 1,795 |
| Average earning assets | $363,292,500 | 1,774 |
| Average equity | $40,622,000 | 1,673 |
| Average total loans | $226,633,500 | 2,127 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7941% | 6,452 |
| Cost of funding earning assets | 2.2085% | 5,559 |
| Net interest margin | 3.5856% | 4,949 |
| Noninterest income to average assets | 0.7444% | 2,813 |
| Noninterest expense to average assets | 2.5840% | 5,706 |
| Loan and lease loss provision to assets | 0.1937% | 4,944 |
| Net operating income to assets | 1.2612% | 1,599 |
| Return on assets (ROA) | 1.2750% | 1,506 |
| Pretax return on assets | 1.2750% | 2,391 |
| Return on Equity (ROE) | 11.6501% | 1,698 |
| Retained earnings to average equity (ytd only) | -4.6153% | 6,442 |
| Net charge-offs to loans | 0.2544% | 3,728 |
| Credit loss provision to net charge-offs | 132.3843% | 4,023 |
| Earnings coverage of net charge-offs (x) | 9.9431% | 2,606 |
| Efficiency ratio | 63.9786% | 5,566 |
| Assets per employee ($millions) | 3.3581% | 5,073 |
| Cash dividends to net income (ytd only)* | 139.6161% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 3,863 |
| Loan loss allowance to noncurrent loans | 32.0763% | 6,586 |
| Noncurrent assets plus other real estate owned to assets | 2.7409% | 1,725 |
| Noncurrent loans to loans | 4.0199% | 1,220 |
| Net loans and leases to total assets | 57.8362% | 6,222 |
| Net loans and leases to deposits | 70.9903% | 6,170 |
| Net loans and leases to core deposits | 86.2463% | 6,116 |
| Total domestic deposits to total assets | 81.4706% | 4,423 |
| Equity capital to assets | 9.9943% | 4,042 |
| Core capital (leverage) ratio | 11.1214% | 2,490 |
| Tier 1 risk-based capital ratio | 14.9445% | 3,073 |
| Total risk-based capital ratio | 15.9934% | 3,100 |
| Memoranda: | ||
| Average total assets | $384,089,600 | 1,760 |
| Average earning assets | $352,910,200 | 1,754 |
| Average equity | $42,033,800 | 1,592 |
| Average total loans | $220,878,600 | 2,117 |