Home > The Merchants National Bank > Performance and Condition Ratios
The Merchants 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 | 4.3068% | 3,435 |
| Cost of funding earning assets | 1.4313% | 2,145 |
| Net interest margin | 2.8755% | 3,530 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.1495% | 3,258 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7838% | 2,923 |
| Return on assets (ROA) | 0.7838% | 2,903 |
| Pretax return on assets | 0.9746% | 2,740 |
| Return on Equity (ROE) | 9.9700% | 2,503 |
| Retained earnings to average equity (ytd only) | 2.6979% | 3,380 |
| Net charge-offs to loans | -0.0357% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.6761% | 2,144 |
| Assets per employee ($millions) | 7.4666% | 1,751 |
| Cash dividends to net income (ytd only)* | 72.9501% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 2,841 |
| Loan loss allowance to noncurrent loans | 283.0707% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 1,775 |
| Noncurrent loans to loans | 0.3885% | 1,818 |
| Net loans and leases to total assets | 74.9300% | 1,254 |
| Net loans and leases to deposits | 91.8631% | 1,105 |
| Net loans and leases to core deposits | 96.7675% | 1,617 |
| Total domestic deposits to total assets | 81.5700% | 3,209 |
| Equity capital to assets | 7.9404% | 3,457 |
| Core capital (leverage) ratio | 8.1585% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6031% | 2,691 |
| Memoranda: | ||
| Average total assets | $1,311,736,800 | 798 |
| Average earning assets | $1,229,114,600 | 775 |
| Average equity | $103,079,000 | 922 |
| Average total loans | $987,059,000 | 735 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 3,396 |
| Cost of funding earning assets | 1.3381% | 2,035 |
| Net interest margin | 2.9025% | 3,536 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.1113% | 3,326 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.8099% | 2,994 |
| Return on assets (ROA) | 0.8099% | 2,988 |
| Pretax return on assets | 1.0067% | 2,838 |
| Return on Equity (ROE) | 10.3300% | 2,549 |
| Retained earnings to average equity (ytd only) | 4.4292% | 3,134 |
| Net charge-offs to loans | -0.0368% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.4725% | 2,223 |
| Assets per employee ($millions) | 7.1351% | 1,861 |
| Cash dividends to net income (ytd only)* | 57.1375% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 2,867 |
| Loan loss allowance to noncurrent loans | 303.3196% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 1,908 |
| Noncurrent loans to loans | 0.3629% | 1,929 |
| Net loans and leases to total assets | 74.8600% | 1,254 |
| Net loans and leases to deposits | 90.0473% | 1,235 |
| Net loans and leases to core deposits | 94.6129% | 1,642 |
| Total domestic deposits to total assets | 83.1300% | 2,989 |
| Equity capital to assets | 7.7498% | 3,210 |
| Core capital (leverage) ratio | 8.0782% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8466% | 2,658 |
| Memoranda: | ||
| Average total assets | $1,305,539,000 | 806 |
| Average earning assets | $1,222,683,750 | 787 |
| Average equity | $102,317,250 | 927 |
| Average total loans | $980,658,000 | 740 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1457% | 3,407 |
| Cost of funding earning assets | 1.2050% | 1,973 |
| Net interest margin | 2.9407% | 3,582 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.1150% | 3,308 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8246% | 3,003 |
| Return on assets (ROA) | 0.8246% | 3,012 |
| Pretax return on assets | 1.0244% | 2,846 |
| Return on Equity (ROE) | 10.4800% | 2,564 |
| Retained earnings to average equity (ytd only) | 3.1663% | 3,427 |
| Net charge-offs to loans | -0.0243% | 4,174 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.9184% | 2,249 |
| Assets per employee ($millions) | 7.1588% | 1,811 |
| Cash dividends to net income (ytd only)* | 69.7926% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 2,973 |
| Loan loss allowance to noncurrent loans | 371.8622% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 2,092 |
| Noncurrent loans to loans | 0.2947% | 2,083 |
| Net loans and leases to total assets | 73.9100% | 1,305 |
| Net loans and leases to deposits | 86.6324% | 1,451 |
| Net loans and leases to core deposits | 90.6438% | 1,753 |
| Total domestic deposits to total assets | 85.3100% | 2,457 |
| Equity capital to assets | 7.6619% | 3,428 |
| Core capital (leverage) ratio | 8.0636% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7111% | 2,709 |
| Memoranda: | ||
| Average total assets | $1,298,340,000 | 794 |
| Average earning assets | $1,214,941,000 | 781 |
| Average equity | $102,139,667 | 926 |
| Average total loans | $972,700,667 | 731 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 3,389 |
| Cost of funding earning assets | 1.0436% | 1,898 |
| Net interest margin | 2.9895% | 3,627 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.1823% | 3,141 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.7908% | 3,222 |
| Return on assets (ROA) | 0.7908% | 3,172 |
| Pretax return on assets | 0.9802% | 3,051 |
| Return on Equity (ROE) | 9.9200% | 2,809 |
| Retained earnings to average equity (ytd only) | 6.8729% | 2,531 |
| Net charge-offs to loans | -0.0162% | 4,038 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.2015% | 2,071 |
| Assets per employee ($millions) | 7.1291% | 1,872 |
| Cash dividends to net income (ytd only)* | 30.7024% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 2,944 |
| Loan loss allowance to noncurrent loans | 256.7207% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 1,553 |
| Noncurrent loans to loans | 0.4374% | 1,623 |
| Net loans and leases to total assets | 73.1100% | 1,309 |
| Net loans and leases to deposits | 83.9546% | 1,503 |
| Net loans and leases to core deposits | 87.1766% | 1,790 |
| Total domestic deposits to total assets | 87.0900% | 2,230 |
| Equity capital to assets | 7.9748% | 3,256 |
| Core capital (leverage) ratio | 8.1772% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0621% | 2,709 |
| Memoranda: | ||
| Average total assets | $1,281,738,000 | 823 |
| Average earning assets | $1,197,788,000 | 807 |
| Average equity | $102,199,000 | 931 |
| Average total loans | $961,550,000 | 750 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7596% | 2,377 |
| Cost of funding earning assets | 0.3144% | 2,761 |
| Net interest margin | 3.4452% | 2,115 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.1661% | 3,109 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1605% | 1,934 |
| Return on assets (ROA) | 1.1605% | 1,866 |
| Pretax return on assets | 1.4653% | 1,555 |
| Return on Equity (ROE) | 14.0300% | 1,521 |
| Retained earnings to average equity (ytd only) | 7.2286% | 2,134 |
| Net charge-offs to loans | -0.0258% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.1197% | 3,323 |
| Assets per employee ($millions) | 6.8389% | 2,090 |
| Cash dividends to net income (ytd only)* | 48.4652% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 3,422 |
| Loan loss allowance to noncurrent loans | 265.8530% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 1,717 |
| Noncurrent loans to loans | 0.3741% | 1,802 |
| Net loans and leases to total assets | 75.4100% | 1,073 |
| Net loans and leases to deposits | 85.8585% | 1,324 |
| Net loans and leases to core deposits | 88.7292% | 1,569 |
| Total domestic deposits to total assets | 87.8300% | 2,131 |
| Equity capital to assets | 7.9771% | 3,070 |
| Core capital (leverage) ratio | 8.1572% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7436% | 2,803 |
| Memoranda: | ||
| Average total assets | $1,238,001,000 | 834 |
| Average earning assets | $1,161,921,600 | 816 |
| Average equity | $102,426,200 | 928 |
| Average total loans | $921,735,400 | 737 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6754% | 2,111 |
| Cost of funding earning assets | 0.2335% | 2,888 |
| Net interest margin | 3.4419% | 1,835 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.1444% | 3,090 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1821% | 1,762 |
| Return on assets (ROA) | 1.1821% | 1,730 |
| Pretax return on assets | 1.4967% | 1,419 |
| Return on Equity (ROE) | 14.1600% | 1,385 |
| Retained earnings to average equity (ytd only) | 8.8362% | 1,714 |
| Net charge-offs to loans | -0.0168% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.3592% | 3,458 |
| Assets per employee ($millions) | 6.8899% | 2,031 |
| Cash dividends to net income (ytd only)* | 37.5870% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 3,545 |
| Loan loss allowance to noncurrent loans | 250.1209% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 1,734 |
| Noncurrent loans to loans | 0.3948% | 1,826 |
| Net loans and leases to total assets | 75.2900% | 984 |
| Net loans and leases to deposits | 84.0994% | 1,290 |
| Net loans and leases to core deposits | 86.5733% | 1,495 |
| Total domestic deposits to total assets | 89.5200% | 1,863 |
| Equity capital to assets | 8.0032% | 2,896 |
| Core capital (leverage) ratio | 8.0353% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0004% | 2,814 |
| Memoranda: | ||
| Average total assets | $1,231,204,000 | 843 |
| Average earning assets | $1,157,381,500 | 823 |
| Average equity | $102,801,500 | 942 |
| Average total loans | $911,247,000 | 743 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5358% | 2,025 |
| Cost of funding earning assets | 0.2029% | 2,877 |
| Net interest margin | 3.3329% | 1,809 |
| Noninterest income to average assets | 0.4605% | 2,396 |
| Noninterest expense to average assets | 2.1267% | 3,073 |
| Loan and lease loss provision to assets | 0.0489% | 1,703 |
| Net operating income to assets | 1.1176% | 1,711 |
| Return on assets (ROA) | 1.1176% | 1,687 |
| Pretax return on assets | 1.4193% | 1,386 |
| Return on Equity (ROE) | 13.2001% | 1,325 |
| Retained earnings to average equity (ytd only) | 6.6068% | 2,128 |
| Net charge-offs to loans | -0.0009% | 3,031 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3620% | 3,510 |
| Assets per employee ($millions) | 7.0587% | 1,899 |
| Cash dividends to net income (ytd only)* | 49.9490% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 3,632 |
| Loan loss allowance to noncurrent loans | 233.5139% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 1,769 |
| Noncurrent loans to loans | 0.4251% | 1,843 |
| Net loans and leases to total assets | 72.2583% | 1,079 |
| Net loans and leases to deposits | 79.9555% | 1,392 |
| Net loans and leases to core deposits | 82.1681% | 1,586 |
| Total domestic deposits to total assets | 90.3731% | 1,527 |
| Equity capital to assets | 8.0841% | 3,051 |
| Core capital (leverage) ratio | 7.8535% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1401% | 2,776 |
| Memoranda: | ||
| Average total assets | $1,228,213,333 | 837 |
| Average earning assets | $1,155,028,000 | 825 |
| Average equity | $103,984,000 | 941 |
| Average total loans | $900,660,000 | 739 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4957% | 1,827 |
| Cost of funding earning assets | 0.2174% | 2,562 |
| Net interest margin | 3.2783% | 1,623 |
| Noninterest income to average assets | 0.4980% | 2,144 |
| Noninterest expense to average assets | 2.2207% | 2,774 |
| Loan and lease loss provision to assets | 0.0493% | 1,489 |
| Net operating income to assets | 1.0309% | 1,759 |
| Return on assets (ROA) | 1.0309% | 1,747 |
| Pretax return on assets | 1.3094% | 1,475 |
| Return on Equity (ROE) | 11.9005% | 1,347 |
| Retained earnings to average equity (ytd only) | 9.4202% | 1,161 |
| Net charge-offs to loans | -0.0058% | 3,387 |
| Credit loss provision to net charge-offs | -1,153.8462% | 3,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2059% | 3,357 |
| Assets per employee ($millions) | 6.8958% | 2,070 |
| Cash dividends to net income (ytd only)* | 20.8413% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,749 |
| Loan loss allowance to noncurrent loans | 201.9266% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 1,670 |
| Noncurrent loans to loans | 0.4939% | 1,792 |
| Net loans and leases to total assets | 72.0517% | 827 |
| Net loans and leases to deposits | 80.3083% | 1,127 |
| Net loans and leases to core deposits | 82.8386% | 1,305 |
| Total domestic deposits to total assets | 89.7189% | 1,706 |
| Equity capital to assets | 8.4642% | 3,195 |
| Core capital (leverage) ratio | 7.9015% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2382% | 2,842 |
| Memoranda: | ||
| Average total assets | $1,217,621,000 | 849 |
| Average earning assets | $1,144,506,000 | 838 |
| Average equity | $105,475,000 | 956 |
| Average total loans | $895,067,500 | 729 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 1,497 |
| Cost of funding earning assets | 0.3159% | 2,237 |
| Net interest margin | 3.6319% | 1,385 |
| Noninterest income to average assets | 0.4602% | 2,764 |
| Noninterest expense to average assets | 2.3366% | 2,696 |
| Loan and lease loss provision to assets | 0.0513% | 2,032 |
| Net operating income to assets | 1.1657% | 2,037 |
| Return on assets (ROA) | 1.1657% | 2,101 |
| Pretax return on assets | 1.4826% | 1,783 |
| Return on Equity (ROE) | 13.0009% | 1,470 |
| Retained earnings to average equity (ytd only) | 6.5043% | 2,127 |
| Net charge-offs to loans | 0.0005% | 2,685 |
| Credit loss provision to net charge-offs | 15,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 4,484.2500% | 27 |
| Efficiency ratio | 59.5634% | 3,221 |
| Assets per employee ($millions) | 6.5640% | 2,283 |
| Cash dividends to net income (ytd only)* | 49.9707% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 3,850 |
| Loan loss allowance to noncurrent loans | 186.9602% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 1,658 |
| Noncurrent loans to loans | 0.5216% | 1,826 |
| Net loans and leases to total assets | 73.5293% | 705 |
| Net loans and leases to deposits | 82.2916% | 1,039 |
| Net loans and leases to core deposits | 85.1356% | 1,251 |
| Total domestic deposits to total assets | 89.3521% | 1,325 |
| Equity capital to assets | 8.8638% | 3,750 |
| Core capital (leverage) ratio | 7.8241% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7575% | 2,940 |
| Memoranda: | ||
| Average total assets | $1,169,377,800 | 851 |
| Average earning assets | $1,098,007,800 | 839 |
| Average equity | $104,854,200 | 973 |
| Average total loans | $874,320,200 | 743 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 1,714 |
| Cost of funding earning assets | 0.3363% | 2,236 |
| Net interest margin | 3.5806% | 1,646 |
| Noninterest income to average assets | 0.4558% | 2,814 |
| Noninterest expense to average assets | 2.2687% | 2,837 |
| Loan and lease loss provision to assets | 0.0517% | 1,955 |
| Net operating income to assets | 1.1787% | 2,233 |
| Return on assets (ROA) | 1.1787% | 2,295 |
| Pretax return on assets | 1.4977% | 1,996 |
| Return on Equity (ROE) | 13.1062% | 1,665 |
| Retained earnings to average equity (ytd only) | 7.8960% | 2,089 |
| Net charge-offs to loans | -0.0006% | 3,093 |
| Credit loss provision to net charge-offs | -11,250.0000% | 4,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5933% | 3,182 |
| Assets per employee ($millions) | 6.7322% | 2,065 |
| Cash dividends to net income (ytd only)* | 39.7542% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 3,908 |
| Loan loss allowance to noncurrent loans | 163.7921% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 1,738 |
| Noncurrent loans to loans | 0.5999% | 1,809 |
| Net loans and leases to total assets | 71.1600% | 966 |
| Net loans and leases to deposits | 79.6328% | 1,325 |
| Net loans and leases to core deposits | 83.0853% | 1,492 |
| Total domestic deposits to total assets | 89.3602% | 1,095 |
| Equity capital to assets | 8.8164% | 3,985 |
| Core capital (leverage) ratio | 7.8851% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2134% | 2,920 |
| Memoranda: | ||
| Average total assets | $1,159,776,750 | 863 |
| Average earning assets | $1,089,079,000 | 852 |
| Average equity | $104,304,000 | 994 |
| Average total loans | $868,695,250 | 762 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 2,004 |
| Cost of funding earning assets | 0.3605% | 2,229 |
| Net interest margin | 3.4650% | 1,962 |
| Noninterest income to average assets | 0.4487% | 2,851 |
| Noninterest expense to average assets | 2.2137% | 3,041 |
| Loan and lease loss provision to assets | 0.0526% | 1,981 |
| Net operating income to assets | 1.1319% | 2,427 |
| Return on assets (ROA) | 1.1319% | 2,493 |
| Pretax return on assets | 1.4364% | 2,224 |
| Return on Equity (ROE) | 12.4983% | 1,879 |
| Retained earnings to average equity (ytd only) | 5.8860% | 2,847 |
| Net charge-offs to loans | -0.0048% | 3,423 |
| Credit loss provision to net charge-offs | -1,428.5714% | 3,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9227% | 3,162 |
| Assets per employee ($millions) | 6.4588% | 2,194 |
| Cash dividends to net income (ytd only)* | 52.9056% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 3,938 |
| Loan loss allowance to noncurrent loans | 154.6932% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 1,792 |
| Noncurrent loans to loans | 0.6255% | 1,846 |
| Net loans and leases to total assets | 73.7502% | 780 |
| Net loans and leases to deposits | 82.5277% | 1,170 |
| Net loans and leases to core deposits | 86.4499% | 1,386 |
| Total domestic deposits to total assets | 89.3642% | 1,099 |
| Equity capital to assets | 8.8815% | 3,909 |
| Core capital (leverage) ratio | 7.8056% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2559% | 2,908 |
| Memoranda: | ||
| Average total assets | $1,140,194,333 | 868 |
| Average earning assets | $1,070,777,333 | 858 |
| Average equity | $103,262,000 | 999 |
| Average total loans | $866,358,333 | 763 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8008% | 2,095 |
| Cost of funding earning assets | 0.3931% | 2,150 |
| Net interest margin | 3.4076% | 2,087 |
| Noninterest income to average assets | 0.4914% | 2,648 |
| Noninterest expense to average assets | 2.2649% | 2,892 |
| Loan and lease loss provision to assets | 0.0535% | 2,037 |
| Net operating income to assets | 1.0790% | 2,543 |
| Return on assets (ROA) | 1.0790% | 2,625 |
| Pretax return on assets | 1.3698% | 2,372 |
| Return on Equity (ROE) | 11.7945% | 2,093 |
| Retained earnings to average equity (ytd only) | 9.1848% | 1,896 |
| Net charge-offs to loans | 0.0070% | 1,649 |
| Credit loss provision to net charge-offs | 1,000.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 266.2667% | 329 |
| Efficiency ratio | 60.5314% | 2,971 |
| Assets per employee ($millions) | 6.4934% | 2,182 |
| Cash dividends to net income (ytd only)* | 22.1268% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 4,003 |
| Loan loss allowance to noncurrent loans | 148.2820% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 1,950 |
| Noncurrent loans to loans | 0.6440% | 1,957 |
| Net loans and leases to total assets | 73.9428% | 823 |
| Net loans and leases to deposits | 83.3215% | 1,214 |
| Net loans and leases to core deposits | 87.4577% | 1,415 |
| Total domestic deposits to total assets | 88.7440% | 1,471 |
| Equity capital to assets | 8.9207% | 3,760 |
| Core capital (leverage) ratio | 8.0785% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7155% | 2,762 |
| Memoranda: | ||
| Average total assets | $1,122,538,000 | 871 |
| Average earning assets | $1,053,053,500 | 860 |
| Average equity | $102,691,500 | 989 |
| Average total loans | $861,832,500 | 761 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5265% | 1,246 |
| Cost of funding earning assets | 0.6101% | 2,240 |
| Net interest margin | 3.9163% | 1,172 |
| Noninterest income to average assets | 0.5358% | 2,482 |
| Noninterest expense to average assets | 2.4790% | 2,909 |
| Loan and lease loss provision to assets | 0.1617% | 2,354 |
| Net operating income to assets | 1.2233% | 1,469 |
| Return on assets (ROA) | 1.2233% | 1,583 |
| Pretax return on assets | 1.5418% | 1,216 |
| Return on Equity (ROE) | 12.6930% | 1,122 |
| Retained earnings to average equity (ytd only) | 8.5515% | 896 |
| Net charge-offs to loans | 0.0363% | 2,327 |
| Credit loss provision to net charge-offs | 542.7632% | 1,189 |
| Earnings coverage of net charge-offs (x) | 57.1678% | 1,094 |
| Efficiency ratio | 58.4031% | 3,669 |
| Assets per employee ($millions) | 6.2227% | 2,146 |
| Cash dividends to net income (ytd only)* | 32.6282% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 4,026 |
| Loan loss allowance to noncurrent loans | 155.8509% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 2,111 |
| Noncurrent loans to loans | 0.6110% | 2,168 |
| Net loans and leases to total assets | 78.2980% | 579 |
| Net loans and leases to deposits | 88.2251% | 1,067 |
| Net loans and leases to core deposits | 92.9560% | 1,307 |
| Total domestic deposits to total assets | 88.7479% | 1,092 |
| Equity capital to assets | 9.3923% | 3,706 |
| Core capital (leverage) ratio | 8.1715% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4225% | 2,820 |
| Memoranda: | ||
| Average total assets | $1,020,178,800 | 869 |
| Average earning assets | $949,948,600 | 853 |
| Average equity | $98,322,000 | 972 |
| Average total loans | $838,590,400 | 755 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5163% | 1,528 |
| Cost of funding earning assets | 0.6607% | 2,265 |
| Net interest margin | 3.8556% | 1,464 |
| Noninterest income to average assets | 0.5156% | 2,541 |
| Noninterest expense to average assets | 2.3521% | 3,281 |
| Loan and lease loss provision to assets | 0.1593% | 2,406 |
| Net operating income to assets | 1.2608% | 1,449 |
| Return on assets (ROA) | 1.2608% | 1,564 |
| Pretax return on assets | 1.5911% | 1,211 |
| Return on Equity (ROE) | 12.9926% | 1,115 |
| Retained earnings to average equity (ytd only) | 10.2078% | 718 |
| Net charge-offs to loans | 0.0264% | 2,310 |
| Credit loss provision to net charge-offs | 727.2727% | 1,043 |
| Earnings coverage of net charge-offs (x) | 79.9273% | 925 |
| Efficiency ratio | 56.4334% | 3,869 |
| Assets per employee ($millions) | 5.9788% | 2,283 |
| Cash dividends to net income (ytd only)* | 21.4338% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 4,037 |
| Loan loss allowance to noncurrent loans | 137.9796% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5528% | 2,060 |
| Noncurrent loans to loans | 0.6593% | 2,137 |
| Net loans and leases to total assets | 80.2455% | 593 |
| Net loans and leases to deposits | 91.2297% | 1,134 |
| Net loans and leases to core deposits | 96.3515% | 1,429 |
| Total domestic deposits to total assets | 87.9598% | 1,232 |
| Equity capital to assets | 9.4400% | 3,729 |
| Core capital (leverage) ratio | 8.2486% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5945% | 2,764 |
| Memoranda: | ||
| Average total assets | $1,004,535,500 | 864 |
| Average earning assets | $934,514,000 | 862 |
| Average equity | $97,478,750 | 973 |
| Average total loans | $834,257,000 | 755 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6852% | 1,442 |
| Cost of funding earning assets | 0.7214% | 2,284 |
| Net interest margin | 3.9639% | 1,415 |
| Noninterest income to average assets | 0.4875% | 2,619 |
| Noninterest expense to average assets | 2.3700% | 3,347 |
| Loan and lease loss provision to assets | 0.1523% | 2,482 |
| Net operating income to assets | 1.3055% | 1,345 |
| Return on assets (ROA) | 1.3055% | 1,452 |
| Pretax return on assets | 1.6449% | 1,118 |
| Return on Equity (ROE) | 13.3225% | 1,030 |
| Retained earnings to average equity (ytd only) | 8.1237% | 1,264 |
| Net charge-offs to loans | 0.0405% | 1,933 |
| Credit loss provision to net charge-offs | 449.1018% | 1,307 |
| Earnings coverage of net charge-offs (x) | 52.9820% | 1,063 |
| Efficiency ratio | 55.9856% | 3,946 |
| Assets per employee ($millions) | 6.0218% | 2,169 |
| Cash dividends to net income (ytd only)* | 39.0229% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8666% | 4,134 |
| Loan loss allowance to noncurrent loans | 125.0550% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.5808% | 2,071 |
| Noncurrent loans to loans | 0.6930% | 2,140 |
| Net loans and leases to total assets | 80.1903% | 575 |
| Net loans and leases to deposits | 91.1145% | 1,247 |
| Net loans and leases to core deposits | 97.1329% | 1,488 |
| Total domestic deposits to total assets | 88.0105% | 1,178 |
| Equity capital to assets | 9.3084% | 3,822 |
| Core capital (leverage) ratio | 8.3866% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3426% | 2,872 |
| Memoranda: | ||
| Average total assets | $984,636,667 | 867 |
| Average earning assets | $914,060,333 | 863 |
| Average equity | $96,483,667 | 974 |
| Average total loans | $825,063,333 | 756 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 1,027 |
| Cost of funding earning assets | 0.7988% | 2,403 |
| Net interest margin | 4.1692% | 983 |
| Noninterest income to average assets | 0.5023% | 2,539 |
| Noninterest expense to average assets | 2.4525% | 3,414 |
| Loan and lease loss provision to assets | 0.1263% | 2,126 |
| Net operating income to assets | 1.4185% | 948 |
| Return on assets (ROA) | 1.4185% | 1,017 |
| Pretax return on assets | 1.7801% | 730 |
| Return on Equity (ROE) | 14.0846% | 681 |
| Retained earnings to average equity (ytd only) | 13.0102% | 319 |
| Net charge-offs to loans | 0.0454% | 1,570 |
| Credit loss provision to net charge-offs | 326.0870% | 1,118 |
| Earnings coverage of net charge-offs (x) | 49.2174% | 907 |
| Efficiency ratio | 55.3849% | 4,271 |
| Assets per employee ($millions) | 5.4305% | 2,194 |
| Cash dividends to net income (ytd only)* | 7.6284% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8722% | 4,214 |
| Loan loss allowance to noncurrent loans | 100.7761% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.7420% | 1,818 |
| Noncurrent loans to loans | 0.8655% | 1,886 |
| Net loans and leases to total assets | 82.4473% | 399 |
| Net loans and leases to deposits | 93.3173% | 1,144 |
| Net loans and leases to core deposits | 100.3191% | 1,446 |
| Total domestic deposits to total assets | 88.3516% | 953 |
| Equity capital to assets | 10.0662% | 3,717 |
| Core capital (leverage) ratio | 8.8544% | 4,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2857% | 3,013 |
| Memoranda: | ||
| Average total assets | $950,049,500 | 867 |
| Average earning assets | $878,832,500 | 867 |
| Average equity | $95,679,000 | 976 |
| Average total loans | $811,374,500 | 739 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 1,268 |
| Cost of funding earning assets | 0.8458% | 2,455 |
| Net interest margin | 4.2310% | 1,255 |
| Noninterest income to average assets | 0.5366% | 2,550 |
| Noninterest expense to average assets | 2.8966% | 2,308 |
| Loan and lease loss provision to assets | 0.0997% | 2,060 |
| Net operating income to assets | 1.1853% | 2,111 |
| Return on assets (ROA) | 1.1853% | 2,211 |
| Pretax return on assets | 1.4816% | 1,863 |
| Return on Equity (ROE) | 12.0320% | 1,499 |
| Retained earnings to average equity (ytd only) | -8.9470% | 5,047 |
| Net charge-offs to loans | 0.0437% | 2,515 |
| Credit loss provision to net charge-offs | 265.2174% | 1,044 |
| Earnings coverage of net charge-offs (x) | 42.0621% | 1,270 |
| Efficiency ratio | 64.0915% | 3,062 |
| Assets per employee ($millions) | 5.2442% | 2,290 |
| Cash dividends to net income (ytd only)* | 174.3597% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8311% | 4,217 |
| Loan loss allowance to noncurrent loans | 98.7807% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7398% | 1,752 |
| Noncurrent loans to loans | 0.8414% | 1,828 |
| Net loans and leases to total assets | 86.9843% | 121 |
| Net loans and leases to deposits | 98.9421% | 673 |
| Net loans and leases to core deposits | 107.2283% | 1,023 |
| Total domestic deposits to total assets | 87.9144% | 1,165 |
| Equity capital to assets | 10.0759% | 3,853 |
| Core capital (leverage) ratio | 8.6584% | 4,753 |
| Tier 1 risk-based capital ratio | 10.6180% | 4,981 |
| Total risk-based capital ratio | 11.5272% | 5,019 |
| Memoranda: | ||
| Average total assets | $856,479,400 | 922 |
| Average earning assets | $797,858,400 | 909 |
| Average equity | $84,375,000 | 1,041 |
| Average total loans | $736,680,400 | 773 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9610% | 1,649 |
| Cost of funding earning assets | 0.8387% | 2,516 |
| Net interest margin | 4.1223% | 1,568 |
| Noninterest income to average assets | 0.5219% | 2,593 |
| Noninterest expense to average assets | 2.9450% | 2,115 |
| Loan and lease loss provision to assets | 0.1002% | 1,916 |
| Net operating income to assets | 1.0695% | 2,690 |
| Return on assets (ROA) | 1.0695% | 2,776 |
| Pretax return on assets | 1.3301% | 2,565 |
| Return on Equity (ROE) | 10.9260% | 2,049 |
| Retained earnings to average equity (ytd only) | -14.1505% | 5,176 |
| Net charge-offs to loans | 0.0259% | 2,577 |
| Credit loss provision to net charge-offs | 452.5180% | 689 |
| Earnings coverage of net charge-offs (x) | 64.6111% | 1,011 |
| Efficiency ratio | 66.8123% | 2,616 |
| Assets per employee ($millions) | 5.3026% | 2,225 |
| Cash dividends to net income (ytd only)* | 229.5117% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 4,330 |
| Loan loss allowance to noncurrent loans | 112.4003% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6465% | 2,072 |
| Noncurrent loans to loans | 0.7335% | 2,131 |
| Net loans and leases to total assets | 87.1619% | 129 |
| Net loans and leases to deposits | 99.2674% | 701 |
| Net loans and leases to core deposits | 107.4518% | 1,087 |
| Total domestic deposits to total assets | 87.8051% | 1,128 |
| Equity capital to assets | 9.9310% | 4,089 |
| Core capital (leverage) ratio | 8.6008% | 4,888 |
| Tier 1 risk-based capital ratio | 10.4139% | 5,101 |
| Total risk-based capital ratio | 11.3131% | 5,117 |
| Memoranda: | ||
| Average total assets | $837,232,500 | 941 |
| Average earning assets | $782,616,250 | 925 |
| Average equity | $81,955,000 | 1,057 |
| Average total loans | $716,156,750 | 794 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7946% | 2,073 |
| Cost of funding earning assets | 0.8034% | 2,624 |
| Net interest margin | 3.9912% | 1,950 |
| Noninterest income to average assets | 0.4938% | 2,709 |
| Noninterest expense to average assets | 2.7779% | 2,668 |
| Loan and lease loss provision to assets | 0.1190% | 1,569 |
| Net operating income to assets | 1.0725% | 2,637 |
| Return on assets (ROA) | 1.0725% | 2,703 |
| Pretax return on assets | 1.3445% | 2,399 |
| Return on Equity (ROE) | 11.0182% | 1,962 |
| Retained earnings to average equity (ytd only) | -28.3135% | 5,269 |
| Net charge-offs to loans | 0.0555% | 1,849 |
| Credit loss provision to net charge-offs | 253.4392% | 1,005 |
| Earnings coverage of net charge-offs (x) | 31.1746% | 1,433 |
| Efficiency ratio | 65.3842% | 2,908 |
| Assets per employee ($millions) | 5.0103% | 2,463 |
| Cash dividends to net income (ytd only)* | 356.9708% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8124% | 4,399 |
| Loan loss allowance to noncurrent loans | 149.5101% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 2,655 |
| Noncurrent loans to loans | 0.5434% | 2,641 |
| Net loans and leases to total assets | 85.5102% | 252 |
| Net loans and leases to deposits | 96.9458% | 939 |
| Net loans and leases to core deposits | 104.4657% | 1,345 |
| Total domestic deposits to total assets | 88.2041% | 1,007 |
| Equity capital to assets | 9.6534% | 4,271 |
| Core capital (leverage) ratio | 8.3113% | 5,053 |
| Tier 1 risk-based capital ratio | 10.1909% | 5,196 |
| Total risk-based capital ratio | 11.0722% | 5,211 |
| Memoranda: | ||
| Average total assets | $805,226,670 | 972 |
| Average earning assets | $756,055,330 | 954 |
| Average equity | $78,379,670 | 1,101 |
| Average total loans | $681,475,670 | 826 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 2,405 |
| Cost of funding earning assets | 0.7710% | 2,681 |
| Net interest margin | 3.8722% | 2,274 |
| Noninterest income to average assets | 0.4653% | 2,770 |
| Noninterest expense to average assets | 2.5784% | 3,273 |
| Loan and lease loss provision to assets | 0.1028% | 1,714 |
| Net operating income to assets | 1.1539% | 2,246 |
| Return on assets (ROA) | 1.1539% | 2,301 |
| Pretax return on assets | 1.4466% | 1,936 |
| Return on Equity (ROE) | 11.7932% | 1,615 |
| Retained earnings to average equity (ytd only) | 11.7932% | 653 |
| Net charge-offs to loans | 0.1100% | 1,079 |
| Credit loss provision to net charge-offs | 111.7647% | 1,482 |
| Earnings coverage of net charge-offs (x) | 16.8471% | 1,682 |
| Efficiency ratio | 62.3460% | 3,480 |
| Assets per employee ($millions) | 5.3771% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 3,545 |
| Loan loss allowance to noncurrent loans | 128.4082% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 2,097 |
| Noncurrent loans to loans | 0.7991% | 2,039 |
| Net loans and leases to total assets | 81.7907% | 615 |
| Net loans and leases to deposits | 93.9067% | 1,191 |
| Net loans and leases to core deposits | 99.7795% | 1,644 |
| Total domestic deposits to total assets | 87.0978% | 1,759 |
| Equity capital to assets | 9.9014% | 3,917 |
| Core capital (leverage) ratio | 10.1984% | 3,384 |
| Tier 1 risk-based capital ratio | 12.9730% | 3,889 |
| Total risk-based capital ratio | 14.0742% | 3,863 |
| Memoranda: | ||
| Average total assets | $739,377,000 | 1,037 |
| Average earning assets | $699,352,500 | 1,013 |
| Average equity | $72,347,000 | 1,177 |
| Average total loans | $618,349,000 | 899 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 2,131 |
| Cost of funding earning assets | 0.6419% | 2,451 |
| Net interest margin | 3.9577% | 2,132 |
| Noninterest income to average assets | 0.5011% | 2,830 |
| Noninterest expense to average assets | 2.3801% | 3,936 |
| Loan and lease loss provision to assets | 0.0645% | 2,863 |
| Net operating income to assets | 1.4353% | 1,321 |
| Return on assets (ROA) | 1.4359% | 1,311 |
| Pretax return on assets | 1.8255% | 859 |
| Return on Equity (ROE) | 14.6890% | 901 |
| Retained earnings to average equity (ytd only) | 6.6571% | 1,837 |
| Net charge-offs to loans | 0.0553% | 2,352 |
| Credit loss provision to net charge-offs | 137.3134% | 1,954 |
| Earnings coverage of net charge-offs (x) | 40.2060% | 1,300 |
| Efficiency ratio | 55.4475% | 4,471 |
| Assets per employee ($millions) | 5.4170% | 2,042 |
| Cash dividends to net income (ytd only)* | 54.6796% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,648 |
| Loan loss allowance to noncurrent loans | 112.2204% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.7718% | 1,811 |
| Noncurrent loans to loans | 0.8964% | 1,793 |
| Net loans and leases to total assets | 83.7794% | 434 |
| Net loans and leases to deposits | 96.0821% | 1,066 |
| Net loans and leases to core deposits | 104.8574% | 1,355 |
| Total domestic deposits to total assets | 87.1956% | 1,684 |
| Equity capital to assets | 9.6675% | 3,984 |
| Core capital (leverage) ratio | 10.1165% | 3,439 |
| Tier 1 risk-based capital ratio | 12.4508% | 4,170 |
| Total risk-based capital ratio | 13.5356% | 4,133 |
| Memoranda: | ||
| Average total assets | $712,882,800 | 1,046 |
| Average earning assets | $678,771,000 | 1,016 |
| Average equity | $69,684,600 | 1,162 |
| Average total loans | $605,883,400 | 888 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 2,016 |
| Cost of funding earning assets | 0.6154% | 2,372 |
| Net interest margin | 3.9712% | 2,048 |
| Noninterest income to average assets | 0.4983% | 2,883 |
| Noninterest expense to average assets | 2.3704% | 3,924 |
| Loan and lease loss provision to assets | 0.0607% | 2,766 |
| Net operating income to assets | 1.4813% | 1,245 |
| Return on assets (ROA) | 1.4823% | 1,242 |
| Pretax return on assets | 1.8583% | 884 |
| Return on Equity (ROE) | 15.1203% | 847 |
| Retained earnings to average equity (ytd only) | 7.8112% | 1,744 |
| Net charge-offs to loans | 0.0299% | 2,492 |
| Credit loss provision to net charge-offs | 238.5185% | 1,220 |
| Earnings coverage of net charge-offs (x) | 75.3241% | 909 |
| Efficiency ratio | 54.9149% | 4,517 |
| Assets per employee ($millions) | 5.4280% | 1,984 |
| Cash dividends to net income (ytd only)* | 48.3395% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 3,553 |
| Loan loss allowance to noncurrent loans | 100.7154% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.8953% | 1,648 |
| Noncurrent loans to loans | 1.0287% | 1,668 |
| Net loans and leases to total assets | 85.1026% | 351 |
| Net loans and leases to deposits | 98.3528% | 925 |
| Net loans and leases to core deposits | 106.5678% | 1,265 |
| Total domestic deposits to total assets | 86.5279% | 1,962 |
| Equity capital to assets | 10.0234% | 3,622 |
| Core capital (leverage) ratio | 10.1106% | 3,508 |
| Tier 1 risk-based capital ratio | 12.6517% | 4,120 |
| Total risk-based capital ratio | 13.7742% | 4,082 |
| Memoranda: | ||
| Average total assets | $706,924,500 | 1,050 |
| Average earning assets | $674,680,250 | 1,024 |
| Average equity | $69,300,250 | 1,166 |
| Average total loans | $601,482,250 | 886 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 1,983 |
| Cost of funding earning assets | 0.5769% | 2,381 |
| Net interest margin | 3.9582% | 2,008 |
| Noninterest income to average assets | 0.4782% | 2,986 |
| Noninterest expense to average assets | 2.3588% | 3,998 |
| Loan and lease loss provision to assets | 0.0652% | 2,595 |
| Net operating income to assets | 1.4647% | 1,243 |
| Return on assets (ROA) | 1.4658% | 1,241 |
| Pretax return on assets | 1.8366% | 896 |
| Return on Equity (ROE) | 15.0664% | 834 |
| Retained earnings to average equity (ytd only) | 3.9975% | 3,614 |
| Net charge-offs to loans | 0.0311% | 2,232 |
| Credit loss provision to net charge-offs | 247.3118% | 1,152 |
| Earnings coverage of net charge-offs (x) | 72.0860% | 890 |
| Efficiency ratio | 54.9817% | 4,583 |
| Assets per employee ($millions) | 5.6541% | 1,757 |
| Cash dividends to net income (ytd only)* | 73.4674% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,620 |
| Loan loss allowance to noncurrent loans | 100.7373% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.8801% | 1,707 |
| Noncurrent loans to loans | 1.0280% | 1,714 |
| Net loans and leases to total assets | 83.6474% | 502 |
| Net loans and leases to deposits | 95.9725% | 1,141 |
| Net loans and leases to core deposits | 102.5944% | 1,521 |
| Total domestic deposits to total assets | 87.1577% | 1,769 |
| Equity capital to assets | 9.5606% | 4,041 |
| Core capital (leverage) ratio | 9.6097% | 3,987 |
| Tier 1 risk-based capital ratio | 12.0871% | 4,450 |
| Total risk-based capital ratio | 13.1931% | 4,406 |
| Memoranda: | ||
| Average total assets | $705,543,000 | 1,055 |
| Average earning assets | $673,940,330 | 1,028 |
| Average equity | $68,642,670 | 1,175 |
| Average total loans | $598,152,000 | 890 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 2,048 |
| Cost of funding earning assets | 0.5506% | 2,400 |
| Net interest margin | 3.8910% | 2,079 |
| Noninterest income to average assets | 0.4879% | 2,879 |
| Noninterest expense to average assets | 2.3212% | 4,141 |
| Loan and lease loss provision to assets | 0.0789% | 2,198 |
| Net operating income to assets | 1.4393% | 1,226 |
| Return on assets (ROA) | 1.4421% | 1,224 |
| Pretax return on assets | 1.8059% | 903 |
| Return on Equity (ROE) | 14.6915% | 861 |
| Retained earnings to average equity (ytd only) | 14.6915% | 349 |
| Net charge-offs to loans | -0.0303% | 4,744 |
| Credit loss provision to net charge-offs | -306.6667% | 3,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8115% | 4,708 |
| Assets per employee ($millions) | 5.6747% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 3,609 |
| Loan loss allowance to noncurrent loans | 114.4019% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.7834% | 2,008 |
| Noncurrent loans to loans | 0.9249% | 1,965 |
| Net loans and leases to total assets | 82.1460% | 649 |
| Net loans and leases to deposits | 93.9557% | 1,227 |
| Net loans and leases to core deposits | 101.3587% | 1,582 |
| Total domestic deposits to total assets | 87.4306% | 1,937 |
| Equity capital to assets | 9.6908% | 3,898 |
| Core capital (leverage) ratio | 10.0342% | 3,493 |
| Tier 1 risk-based capital ratio | 12.5299% | 4,221 |
| Total risk-based capital ratio | 13.6662% | 4,193 |
| Memoranda: | ||
| Average total assets | $699,282,000 | 1,064 |
| Average earning assets | $667,593,500 | 1,045 |
| Average equity | $68,638,500 | 1,185 |
| Average total loans | $593,764,000 | 903 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3768% | 2,091 |
| Cost of funding earning assets | 0.4990% | 2,339 |
| Net interest margin | 3.8778% | 2,160 |
| Noninterest income to average assets | 0.4744% | 3,160 |
| Noninterest expense to average assets | 2.2557% | 4,428 |
| Loan and lease loss provision to assets | 0.0968% | 2,274 |
| Net operating income to assets | 1.0625% | 2,008 |
| Return on assets (ROA) | 1.0708% | 1,996 |
| Pretax return on assets | 1.8091% | 775 |
| Return on Equity (ROE) | 10.9753% | 1,498 |
| Retained earnings to average equity (ytd only) | 2.7115% | 3,690 |
| Net charge-offs to loans | 0.0332% | 3,127 |
| Credit loss provision to net charge-offs | 352.9412% | 833 |
| Earnings coverage of net charge-offs (x) | 68.9840% | 864 |
| Efficiency ratio | 53.9702% | 4,953 |
| Assets per employee ($millions) | 5.4230% | 2,018 |
| Cash dividends to net income (ytd only)* | 75.2946% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,664 |
| Loan loss allowance to noncurrent loans | 94.5119% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 1,580 |
| Noncurrent loans to loans | 1.1041% | 1,605 |
| Net loans and leases to total assets | 86.0087% | 253 |
| Net loans and leases to deposits | 99.0125% | 815 |
| Net loans and leases to core deposits | 107.4327% | 1,185 |
| Total domestic deposits to total assets | 86.8665% | 2,059 |
| Equity capital to assets | 9.9483% | 3,763 |
| Core capital (leverage) ratio | 9.9814% | 3,481 |
| Tier 1 risk-based capital ratio | 12.3217% | 4,311 |
| Total risk-based capital ratio | 13.4473% | 4,293 |
| Memoranda: | ||
| Average total assets | $681,517,200 | 1,068 |
| Average earning assets | $645,720,000 | 1,040 |
| Average equity | $66,494,600 | 1,202 |
| Average total loans | $562,770,400 | 917 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 2,323 |
| Cost of funding earning assets | 0.4917% | 2,342 |
| Net interest margin | 3.7878% | 2,445 |
| Noninterest income to average assets | 0.4664% | 3,240 |
| Noninterest expense to average assets | 2.2046% | 4,516 |
| Loan and lease loss provision to assets | 0.0938% | 2,207 |
| Net operating income to assets | 1.1861% | 1,753 |
| Return on assets (ROA) | 1.1861% | 1,790 |
| Pretax return on assets | 1.7531% | 994 |
| Return on Equity (ROE) | 12.2164% | 1,268 |
| Retained earnings to average equity (ytd only) | 4.2579% | 3,366 |
| Net charge-offs to loans | 0.0233% | 2,994 |
| Credit loss provision to net charge-offs | 494.8454% | 651 |
| Earnings coverage of net charge-offs (x) | 97.4536% | 700 |
| Efficiency ratio | 54.0049% | 4,934 |
| Assets per employee ($millions) | 5.5492% | 1,882 |
| Cash dividends to net income (ytd only)* | 65.1458% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,860 |
| Loan loss allowance to noncurrent loans | 94.4202% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9687% | 1,752 |
| Noncurrent loans to loans | 1.0987% | 1,748 |
| Net loans and leases to total assets | 84.6650% | 372 |
| Net loans and leases to deposits | 97.2671% | 988 |
| Net loans and leases to core deposits | 105.3750% | 1,312 |
| Total domestic deposits to total assets | 87.0438% | 1,855 |
| Equity capital to assets | 9.8180% | 4,126 |
| Core capital (leverage) ratio | 9.9727% | 3,601 |
| Tier 1 risk-based capital ratio | 12.3543% | 4,405 |
| Total risk-based capital ratio | 13.4740% | 4,375 |
| Memoranda: | ||
| Average total assets | $682,427,000 | 1,075 |
| Average earning assets | $645,916,500 | 1,045 |
| Average equity | $66,259,000 | 1,208 |
| Average total loans | $556,167,500 | 928 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1887% | 2,516 |
| Cost of funding earning assets | 0.4814% | 2,317 |
| Net interest margin | 3.7073% | 2,632 |
| Noninterest income to average assets | 0.4470% | 3,375 |
| Noninterest expense to average assets | 2.1741% | 4,618 |
| Loan and lease loss provision to assets | 0.0879% | 2,223 |
| Net operating income to assets | 1.1425% | 1,816 |
| Return on assets (ROA) | 1.1425% | 1,867 |
| Pretax return on assets | 1.6856% | 1,091 |
| Return on Equity (ROE) | 11.8107% | 1,356 |
| Retained earnings to average equity (ytd only) | -0.1727% | 5,100 |
| Net charge-offs to loans | 0.0453% | 2,305 |
| Credit loss provision to net charge-offs | 241.9355% | 1,111 |
| Earnings coverage of net charge-offs (x) | 48.7984% | 1,093 |
| Efficiency ratio | 54.6366% | 4,957 |
| Assets per employee ($millions) | 5.3776% | 1,988 |
| Cash dividends to net income (ytd only)* | 101.4623% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 4,011 |
| Loan loss allowance to noncurrent loans | 116.3947% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7923% | 2,224 |
| Noncurrent loans to loans | 0.8785% | 2,224 |
| Net loans and leases to total assets | 82.9102% | 566 |
| Net loans and leases to deposits | 94.9944% | 1,177 |
| Net loans and leases to core deposits | 102.9297% | 1,440 |
| Total domestic deposits to total assets | 87.2790% | 1,816 |
| Equity capital to assets | 9.5720% | 4,344 |
| Core capital (leverage) ratio | 9.6590% | 3,951 |
| Tier 1 risk-based capital ratio | 12.1286% | 4,551 |
| Total risk-based capital ratio | 13.2161% | 4,543 |
| Memoranda: | ||
| Average total assets | $682,384,330 | 1,072 |
| Average earning assets | $644,358,330 | 1,049 |
| Average equity | $66,007,670 | 1,215 |
| Average total loans | $546,909,000 | 939 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1239% | 2,570 |
| Cost of funding earning assets | 0.4680% | 2,360 |
| Net interest margin | 3.6559% | 2,672 |
| Noninterest income to average assets | 0.4369% | 3,401 |
| Noninterest expense to average assets | 2.1610% | 4,739 |
| Loan and lease loss provision to assets | 0.1056% | 1,810 |
| Net operating income to assets | 1.1054% | 1,845 |
| Return on assets (ROA) | 1.1054% | 1,886 |
| Pretax return on assets | 1.6291% | 1,165 |
| Return on Equity (ROE) | 11.3682% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.3682% | 551 |
| Net charge-offs to loans | 0.0846% | 1,503 |
| Credit loss provision to net charge-offs | 159.2920% | 1,171 |
| Earnings coverage of net charge-offs (x) | 26.1770% | 1,318 |
| Efficiency ratio | 55.0354% | 5,040 |
| Assets per employee ($millions) | 5.6561% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 3,816 |
| Loan loss allowance to noncurrent loans | 106.3727% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 2,209 |
| Noncurrent loans to loans | 1.0169% | 2,021 |
| Net loans and leases to total assets | 75.4751% | 1,503 |
| Net loans and leases to deposits | 86.5920% | 1,965 |
| Net loans and leases to core deposits | 94.4829% | 1,939 |
| Total domestic deposits to total assets | 87.1617% | 2,129 |
| Equity capital to assets | 9.6728% | 4,100 |
| Core capital (leverage) ratio | 10.0364% | 3,450 |
| Tier 1 risk-based capital ratio | 13.0861% | 4,033 |
| Total risk-based capital ratio | 14.2064% | 4,000 |
| Memoranda: | ||
| Average total assets | $682,100,500 | 1,076 |
| Average earning assets | $645,306,000 | 1,051 |
| Average equity | $66,325,500 | 1,203 |
| Average total loans | $534,320,000 | 960 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 2,108 |
| Cost of funding earning assets | 0.5378% | 1,807 |
| Net interest margin | 3.7723% | 2,417 |
| Noninterest income to average assets | 0.4506% | 3,541 |
| Noninterest expense to average assets | 2.2524% | 4,647 |
| Loan and lease loss provision to assets | 0.0743% | 2,866 |
| Net operating income to assets | 1.1319% | 1,764 |
| Return on assets (ROA) | 1.1319% | 1,860 |
| Pretax return on assets | 1.6736% | 1,069 |
| Return on Equity (ROE) | 11.8066% | 1,307 |
| Retained earnings to average equity (ytd only) | 3.7471% | 3,252 |
| Net charge-offs to loans | 0.1233% | 2,030 |
| Credit loss provision to net charge-offs | 75.1506% | 3,055 |
| Earnings coverage of net charge-offs (x) | 17.6822% | 2,023 |
| Efficiency ratio | 55.7404% | 5,086 |
| Assets per employee ($millions) | 5.4350% | 1,918 |
| Cash dividends to net income (ytd only)* | 68.2625% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 3,980 |
| Loan loss allowance to noncurrent loans | 112.5545% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 2,331 |
| Noncurrent loans to loans | 0.9375% | 2,212 |
| Net loans and leases to total assets | 79.6024% | 953 |
| Net loans and leases to deposits | 91.1597% | 1,553 |
| Net loans and leases to core deposits | 99.8647% | 1,637 |
| Total domestic deposits to total assets | 87.3219% | 1,975 |
| Equity capital to assets | 9.7767% | 3,975 |
| Core capital (leverage) ratio | 9.8224% | 3,712 |
| Tier 1 risk-based capital ratio | 12.7334% | 4,255 |
| Total risk-based capital ratio | 13.8425% | 4,223 |
| Memoranda: | ||
| Average total assets | $671,719,800 | 1,054 |
| Average earning assets | $632,076,000 | 1,028 |
| Average equity | $64,396,000 | 1,216 |
| Average total loans | $538,372,800 | 918 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3066% | 2,142 |
| Cost of funding earning assets | 0.5454% | 1,744 |
| Net interest margin | 3.7613% | 2,486 |
| Noninterest income to average assets | 0.4340% | 3,665 |
| Noninterest expense to average assets | 2.2192% | 4,722 |
| Loan and lease loss provision to assets | 0.0692% | 2,837 |
| Net operating income to assets | 1.1483% | 1,814 |
| Return on assets (ROA) | 1.1483% | 1,918 |
| Pretax return on assets | 1.6812% | 1,171 |
| Return on Equity (ROE) | 12.0371% | 1,312 |
| Retained earnings to average equity (ytd only) | 4.1086% | 3,382 |
| Net charge-offs to loans | 0.0911% | 2,050 |
| Credit loss provision to net charge-offs | 94.8370% | 2,462 |
| Earnings coverage of net charge-offs (x) | 23.9921% | 1,694 |
| Efficiency ratio | 55.4562% | 5,110 |
| Assets per employee ($millions) | 5.4600% | 1,892 |
| Cash dividends to net income (ytd only)* | 65.8667% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 4,017 |
| Loan loss allowance to noncurrent loans | 89.6058% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.0243% | 2,014 |
| Noncurrent loans to loans | 1.1953% | 1,877 |
| Net loans and leases to total assets | 80.0338% | 893 |
| Net loans and leases to deposits | 93.0746% | 1,361 |
| Net loans and leases to core deposits | 102.1685% | 1,473 |
| Total domestic deposits to total assets | 85.9889% | 2,354 |
| Equity capital to assets | 9.6582% | 4,504 |
| Core capital (leverage) ratio | 9.6935% | 3,943 |
| Tier 1 risk-based capital ratio | 12.3671% | 4,563 |
| Total risk-based capital ratio | 13.4729% | 4,557 |
| Memoranda: | ||
| Average total assets | $672,525,000 | 1,055 |
| Average earning assets | $632,185,250 | 1,029 |
| Average equity | $64,155,750 | 1,230 |
| Average total loans | $538,512,000 | 911 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 2,174 |
| Cost of funding earning assets | 0.5510% | 1,690 |
| Net interest margin | 3.7441% | 2,535 |
| Noninterest income to average assets | 0.4224% | 3,718 |
| Noninterest expense to average assets | 2.2148% | 4,809 |
| Loan and lease loss provision to assets | 0.0369% | 3,424 |
| Net operating income to assets | 1.1613% | 1,730 |
| Return on assets (ROA) | 1.1613% | 1,838 |
| Pretax return on assets | 1.7011% | 1,086 |
| Return on Equity (ROE) | 12.2246% | 1,234 |
| Retained earnings to average equity (ytd only) | 0.2879% | 5,215 |
| Net charge-offs to loans | 0.0942% | 1,903 |
| Credit loss provision to net charge-offs | 49.0119% | 2,681 |
| Earnings coverage of net charge-offs (x) | 23.1107% | 1,601 |
| Efficiency ratio | 55.5798% | 5,190 |
| Assets per employee ($millions) | 5.4740% | 1,818 |
| Cash dividends to net income (ytd only)* | 97.6453% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 4,034 |
| Loan loss allowance to noncurrent loans | 96.7469% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 2,241 |
| Noncurrent loans to loans | 1.1198% | 2,053 |
| Net loans and leases to total assets | 77.4304% | 1,268 |
| Net loans and leases to deposits | 90.0949% | 1,745 |
| Net loans and leases to core deposits | 99.6036% | 1,664 |
| Total domestic deposits to total assets | 85.9431% | 2,450 |
| Equity capital to assets | 9.3606% | 4,905 |
| Core capital (leverage) ratio | 9.4232% | 4,305 |
| Tier 1 risk-based capital ratio | 12.5371% | 4,489 |
| Total risk-based capital ratio | 13.6725% | 4,491 |
| Memoranda: | ||
| Average total assets | $672,842,000 | 1,058 |
| Average earning assets | $634,432,330 | 1,036 |
| Average equity | $63,920,330 | 1,236 |
| Average total loans | $536,914,330 | 913 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 2,107 |
| Cost of funding earning assets | 0.5508% | 1,702 |
| Net interest margin | 3.7568% | 2,448 |
| Noninterest income to average assets | 0.3866% | 3,934 |
| Noninterest expense to average assets | 2.1481% | 5,020 |
| Loan and lease loss provision to assets | 0.0291% | 3,269 |
| Net operating income to assets | 1.2007% | 1,557 |
| Return on assets (ROA) | 1.2007% | 1,661 |
| Pretax return on assets | 1.7544% | 932 |
| Return on Equity (ROE) | 12.5467% | 1,139 |
| Retained earnings to average equity (ytd only) | 12.5467% | 431 |
| Net charge-offs to loans | 0.0938% | 1,576 |
| Credit loss provision to net charge-offs | 38.5827% | 2,155 |
| Earnings coverage of net charge-offs (x) | 23.6142% | 1,359 |
| Efficiency ratio | 54.1824% | 5,369 |
| Assets per employee ($millions) | 5.7283% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 4,206 |
| Loan loss allowance to noncurrent loans | 98.5458% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 2,307 |
| Noncurrent loans to loans | 1.0890% | 2,216 |
| Net loans and leases to total assets | 77.2449% | 1,213 |
| Net loans and leases to deposits | 90.3987% | 1,531 |
| Net loans and leases to core deposits | 100.3510% | 1,455 |
| Total domestic deposits to total assets | 85.4491% | 2,936 |
| Equity capital to assets | 9.5173% | 4,652 |
| Core capital (leverage) ratio | 9.8644% | 3,707 |
| Tier 1 risk-based capital ratio | 12.7569% | 4,429 |
| Total risk-based capital ratio | 13.8770% | 4,414 |
| Memoranda: | ||
| Average total assets | $672,609,000 | 1,053 |
| Average earning assets | $634,688,000 | 1,034 |
| Average equity | $64,367,500 | 1,218 |
| Average total loans | $541,844,000 | 904 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 1,764 |
| Cost of funding earning assets | 0.5636% | 1,645 |
| Net interest margin | 3.8792% | 2,099 |
| Noninterest income to average assets | 0.3930% | 4,081 |
| Noninterest expense to average assets | 2.2794% | 4,847 |
| Loan and lease loss provision to assets | 0.1631% | 1,409 |
| Net operating income to assets | 1.1061% | 1,898 |
| Return on assets (ROA) | 1.1058% | 1,965 |
| Pretax return on assets | 1.6019% | 1,241 |
| Return on Equity (ROE) | 11.8079% | 1,351 |
| Retained earnings to average equity (ytd only) | 7.8122% | 977 |
| Net charge-offs to loans | 0.1085% | 2,300 |
| Credit loss provision to net charge-offs | 182.4232% | 1,495 |
| Earnings coverage of net charge-offs (x) | 19.7423% | 1,924 |
| Efficiency ratio | 55.9006% | 5,354 |
| Assets per employee ($millions) | 5.2626% | 2,048 |
| Cash dividends to net income (ytd only)* | 33.8394% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 4,222 |
| Loan loss allowance to noncurrent loans | 115.3497% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 2,458 |
| Noncurrent loans to loans | 0.9255% | 2,487 |
| Net loans and leases to total assets | 82.2579% | 572 |
| Net loans and leases to deposits | 95.6584% | 1,051 |
| Net loans and leases to core deposits | 106.1285% | 1,092 |
| Total domestic deposits to total assets | 85.9913% | 2,643 |
| Equity capital to assets | 9.6247% | 4,403 |
| Core capital (leverage) ratio | 9.6386% | 3,994 |
| Tier 1 risk-based capital ratio | 12.0396% | 4,922 |
| Total risk-based capital ratio | 13.1446% | 4,926 |
| Memoranda: | ||
| Average total assets | $655,294,600 | 1,043 |
| Average earning assets | $616,912,000 | 1,020 |
| Average equity | $61,365,600 | 1,229 |
| Average total loans | $540,292,000 | 868 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 1,888 |
| Cost of funding earning assets | 0.5628% | 1,692 |
| Net interest margin | 3.8493% | 2,192 |
| Noninterest income to average assets | 0.4077% | 4,026 |
| Noninterest expense to average assets | 2.2633% | 4,879 |
| Loan and lease loss provision to assets | 0.1749% | 1,214 |
| Net operating income to assets | 1.1057% | 1,981 |
| Return on assets (ROA) | 1.1063% | 2,056 |
| Pretax return on assets | 1.5916% | 1,408 |
| Return on Equity (ROE) | 11.8966% | 1,399 |
| Retained earnings to average equity (ytd only) | 9.2028% | 829 |
| Net charge-offs to loans | 0.1176% | 1,948 |
| Credit loss provision to net charge-offs | 180.8421% | 1,460 |
| Earnings coverage of net charge-offs (x) | 18.2547% | 2,008 |
| Efficiency ratio | 55.7167% | 5,386 |
| Assets per employee ($millions) | 5.4815% | 1,802 |
| Cash dividends to net income (ytd only)* | 22.6436% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 4,541 |
| Loan loss allowance to noncurrent loans | 77.0025% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2862% | 1,821 |
| Noncurrent loans to loans | 1.3474% | 1,900 |
| Net loans and leases to total assets | 82.5326% | 524 |
| Net loans and leases to deposits | 96.7825% | 928 |
| Net loans and leases to core deposits | 107.3554% | 1,013 |
| Total domestic deposits to total assets | 85.2763% | 2,896 |
| Equity capital to assets | 9.4538% | 4,806 |
| Core capital (leverage) ratio | 9.6434% | 4,121 |
| Tier 1 risk-based capital ratio | 11.9868% | 5,096 |
| Total risk-based capital ratio | 13.0808% | 5,106 |
| Memoranda: | ||
| Average total assets | $654,661,750 | 1,054 |
| Average earning assets | $615,921,250 | 1,028 |
| Average equity | $60,878,500 | 1,251 |
| Average total loans | $538,626,750 | 881 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 1,911 |
| Cost of funding earning assets | 0.5540% | 1,786 |
| Net interest margin | 3.8286% | 2,208 |
| Noninterest income to average assets | 0.3768% | 4,253 |
| Noninterest expense to average assets | 2.2973% | 4,851 |
| Loan and lease loss provision to assets | 0.1755% | 1,183 |
| Net operating income to assets | 1.0430% | 2,168 |
| Return on assets (ROA) | 1.0439% | 2,277 |
| Pretax return on assets | 1.5057% | 1,635 |
| Return on Equity (ROE) | 11.2891% | 1,593 |
| Retained earnings to average equity (ytd only) | 7.2075% | 1,615 |
| Net charge-offs to loans | 0.1251% | 1,755 |
| Credit loss provision to net charge-offs | 171.2575% | 1,402 |
| Earnings coverage of net charge-offs (x) | 16.3952% | 1,912 |
| Efficiency ratio | 57.2938% | 5,307 |
| Assets per employee ($millions) | 5.3030% | 1,919 |
| Cash dividends to net income (ytd only)* | 36.1552% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 4,685 |
| Loan loss allowance to noncurrent loans | 85.9690% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.1361% | 2,240 |
| Noncurrent loans to loans | 1.2044% | 2,248 |
| Net loans and leases to total assets | 81.3101% | 634 |
| Net loans and leases to deposits | 94.9595% | 1,051 |
| Net loans and leases to core deposits | 105.2698% | 1,111 |
| Total domestic deposits to total assets | 85.6261% | 2,869 |
| Equity capital to assets | 9.2847% | 4,913 |
| Core capital (leverage) ratio | 9.4486% | 4,340 |
| Tier 1 risk-based capital ratio | 12.0247% | 5,130 |
| Total risk-based capital ratio | 13.1202% | 5,133 |
| Memoranda: | ||
| Average total assets | $651,796,330 | 1,061 |
| Average earning assets | $613,020,670 | 1,037 |
| Average equity | $60,270,330 | 1,273 |
| Average total loans | $533,788,000 | 886 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 1,986 |
| Cost of funding earning assets | 0.5442% | 1,889 |
| Net interest margin | 3.7897% | 2,262 |
| Noninterest income to average assets | 0.3433% | 4,451 |
| Noninterest expense to average assets | 2.3362% | 4,781 |
| Loan and lease loss provision to assets | 0.1948% | 955 |
| Net operating income to assets | 0.9585% | 2,455 |
| Return on assets (ROA) | 0.9585% | 2,589 |
| Pretax return on assets | 1.3752% | 1,978 |
| Return on Equity (ROE) | 10.3877% | 1,837 |
| Retained earnings to average equity (ytd only) | 10.3877% | 833 |
| Net charge-offs to loans | 0.1304% | 1,467 |
| Credit loss provision to net charge-offs | 182.6590% | 1,114 |
| Earnings coverage of net charge-offs (x) | 14.7225% | 1,663 |
| Efficiency ratio | 59.3341% | 5,177 |
| Assets per employee ($millions) | 5.1800% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 4,813 |
| Loan loss allowance to noncurrent loans | 83.1041% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.2161% | 2,199 |
| Noncurrent loans to loans | 1.2533% | 2,281 |
| Net loans and leases to total assets | 79.4175% | 750 |
| Net loans and leases to deposits | 92.4170% | 1,141 |
| Net loans and leases to core deposits | 100.8404% | 1,266 |
| Total domestic deposits to total assets | 85.9339% | 2,976 |
| Equity capital to assets | 9.2288% | 5,049 |
| Core capital (leverage) ratio | 9.4281% | 4,384 |
| Tier 1 risk-based capital ratio | 12.2279% | 5,090 |
| Total risk-based capital ratio | 13.3355% | 5,087 |
| Memoranda: | ||
| Average total assets | $648,907,000 | 1,071 |
| Average earning assets | $610,070,500 | 1,044 |
| Average equity | $59,878,500 | 1,281 |
| Average total loans | $530,547,500 | 887 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4966% | 1,880 |
| Cost of funding earning assets | 0.5614% | 2,131 |
| Net interest margin | 3.9352% | 2,100 |
| Noninterest income to average assets | 0.3750% | 4,383 |
| Noninterest expense to average assets | 2.3077% | 5,096 |
| Loan and lease loss provision to assets | 0.1803% | 1,423 |
| Net operating income to assets | 1.0926% | 2,000 |
| Return on assets (ROA) | 1.0926% | 2,058 |
| Pretax return on assets | 1.5691% | 1,321 |
| Return on Equity (ROE) | 11.9834% | 1,418 |
| Retained earnings to average equity (ytd only) | 7.9529% | 1,038 |
| Net charge-offs to loans | 0.1748% | 2,277 |
| Credit loss provision to net charge-offs | 126.8156% | 1,888 |
| Earnings coverage of net charge-offs (x) | 12.3028% | 2,394 |
| Efficiency ratio | 56.5515% | 5,612 |
| Assets per employee ($millions) | 5.0390% | 2,271 |
| Cash dividends to net income (ytd only)* | 33.6339% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 5,019 |
| Loan loss allowance to noncurrent loans | 63.6709% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 1.4564% | 1,885 |
| Noncurrent loans to loans | 1.5778% | 1,848 |
| Net loans and leases to total assets | 82.4722% | 475 |
| Net loans and leases to deposits | 96.4131% | 876 |
| Net loans and leases to core deposits | 105.6371% | 1,039 |
| Total domestic deposits to total assets | 85.5404% | 3,058 |
| Equity capital to assets | 9.2263% | 5,035 |
| Core capital (leverage) ratio | 9.3735% | 4,434 |
| Tier 1 risk-based capital ratio | 11.8643% | 5,452 |
| Total risk-based capital ratio | 12.9394% | 5,460 |
| Memoranda: | ||
| Average total assets | $629,402,000 | 1,058 |
| Average earning assets | $588,936,800 | 1,039 |
| Average equity | $57,387,800 | 1,275 |
| Average total loans | $512,126,200 | 869 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 2,031 |
| Cost of funding earning assets | 0.5626% | 2,170 |
| Net interest margin | 3.8936% | 2,271 |
| Noninterest income to average assets | 0.3512% | 4,629 |
| Noninterest expense to average assets | 2.3053% | 5,084 |
| Loan and lease loss provision to assets | 0.1742% | 1,412 |
| Net operating income to assets | 1.0596% | 2,199 |
| Return on assets (ROA) | 1.0596% | 2,265 |
| Pretax return on assets | 1.5125% | 1,608 |
| Return on Equity (ROE) | 11.6565% | 1,573 |
| Retained earnings to average equity (ytd only) | 9.0074% | 1,001 |
| Net charge-offs to loans | 0.1652% | 2,141 |
| Credit loss provision to net charge-offs | 130.4140% | 1,772 |
| Earnings coverage of net charge-offs (x) | 12.6258% | 2,300 |
| Efficiency ratio | 57.4603% | 5,515 |
| Assets per employee ($millions) | 4.9956% | 2,245 |
| Cash dividends to net income (ytd only)* | 22.7264% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 5,153 |
| Loan loss allowance to noncurrent loans | 59.1705% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 1.5963% | 1,906 |
| Noncurrent loans to loans | 1.7127% | 1,899 |
| Net loans and leases to total assets | 83.0130% | 407 |
| Net loans and leases to deposits | 96.8437% | 809 |
| Net loans and leases to core deposits | 105.0299% | 1,028 |
| Total domestic deposits to total assets | 85.7185% | 3,003 |
| Equity capital to assets | 9.4587% | 4,846 |
| Core capital (leverage) ratio | 9.3256% | 4,604 |
| Tier 1 risk-based capital ratio | 11.9608% | 5,513 |
| Total risk-based capital ratio | 13.0632% | 5,523 |
| Memoranda: | ||
| Average total assets | $626,765,000 | 1,077 |
| Average earning assets | $586,070,250 | 1,051 |
| Average equity | $56,973,750 | 1,294 |
| Average total loans | $506,873,500 | 883 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3856% | 2,229 |
| Cost of funding earning assets | 0.5694% | 2,168 |
| Net interest margin | 3.8162% | 2,503 |
| Noninterest income to average assets | 0.3608% | 4,534 |
| Noninterest expense to average assets | 2.3278% | 5,089 |
| Loan and lease loss provision to assets | 0.1600% | 1,552 |
| Net operating income to assets | 1.0129% | 2,281 |
| Return on assets (ROA) | 1.0129% | 2,346 |
| Pretax return on assets | 1.4399% | 1,751 |
| Return on Equity (ROE) | 11.2942% | 1,632 |
| Retained earnings to average equity (ytd only) | 7.2712% | 1,634 |
| Net charge-offs to loans | 0.1580% | 2,128 |
| Credit loss provision to net charge-offs | 126.7677% | 1,639 |
| Earnings coverage of net charge-offs (x) | 12.6768% | 2,042 |
| Efficiency ratio | 58.8851% | 5,447 |
| Assets per employee ($millions) | 5.0698% | 2,129 |
| Cash dividends to net income (ytd only)* | 35.6199% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 5,262 |
| Loan loss allowance to noncurrent loans | 53.5151% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 1.6935% | 1,924 |
| Noncurrent loans to loans | 1.9087% | 1,792 |
| Net loans and leases to total assets | 79.8460% | 704 |
| Net loans and leases to deposits | 92.3979% | 1,107 |
| Net loans and leases to core deposits | 100.4810% | 1,240 |
| Total domestic deposits to total assets | 86.4153% | 2,810 |
| Equity capital to assets | 9.0346% | 5,262 |
| Core capital (leverage) ratio | 8.9853% | 5,040 |
| Tier 1 risk-based capital ratio | 11.6250% | 5,729 |
| Total risk-based capital ratio | 12.7082% | 5,778 |
| Memoranda: | ||
| Average total assets | $627,535,670 | 1,075 |
| Average earning assets | $586,551,670 | 1,051 |
| Average equity | $56,276,670 | 1,292 |
| Average total loans | $501,270,000 | 889 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 2,254 |
| Cost of funding earning assets | 0.5699% | 2,244 |
| Net interest margin | 3.8043% | 2,457 |
| Noninterest income to average assets | 0.3811% | 4,344 |
| Noninterest expense to average assets | 2.2907% | 5,214 |
| Loan and lease loss provision to assets | 0.1710% | 1,413 |
| Net operating income to assets | 1.0243% | 2,106 |
| Return on assets (ROA) | 1.0243% | 2,179 |
| Pretax return on assets | 1.4688% | 1,520 |
| Return on Equity (ROE) | 11.4649% | 1,554 |
| Retained earnings to average equity (ytd only) | 11.4649% | 678 |
| Net charge-offs to loans | 0.1781% | 1,651 |
| Credit loss provision to net charge-offs | 120.8145% | 1,450 |
| Earnings coverage of net charge-offs (x) | 11.5837% | 1,773 |
| Efficiency ratio | 57.9042% | 5,655 |
| Assets per employee ($millions) | 5.4036% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 5,352 |
| Loan loss allowance to noncurrent loans | 59.1138% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.5080% | 2,345 |
| Noncurrent loans to loans | 1.7595% | 2,195 |
| Net loans and leases to total assets | 75.1300% | 1,110 |
| Net loans and leases to deposits | 86.9834% | 1,467 |
| Net loans and leases to core deposits | 94.2138% | 1,533 |
| Total domestic deposits to total assets | 86.3728% | 3,173 |
| Equity capital to assets | 8.6672% | 5,475 |
| Core capital (leverage) ratio | 9.2438% | 4,657 |
| Tier 1 risk-based capital ratio | 12.2476% | 5,473 |
| Total risk-based capital ratio | 13.3858% | 5,479 |
| Memoranda: | ||
| Average total assets | $624,439,000 | 1,091 |
| Average earning assets | $582,601,000 | 1,065 |
| Average equity | $55,787,500 | 1,296 |
| Average total loans | $496,290,500 | 895 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8077% | 1,295 |
| Cost of funding earning assets | 0.6202% | 2,479 |
| Net interest margin | 4.1876% | 1,390 |
| Noninterest income to average assets | 0.4192% | 4,304 |
| Noninterest expense to average assets | 2.4362% | 4,969 |
| Loan and lease loss provision to assets | 0.2155% | 1,697 |
| Net operating income to assets | 1.1543% | 1,742 |
| Return on assets (ROA) | 1.1543% | 1,807 |
| Pretax return on assets | 1.6722% | 1,011 |
| Return on Equity (ROE) | 12.6123% | 1,251 |
| Retained earnings to average equity (ytd only) | 8.3061% | 951 |
| Net charge-offs to loans | 0.1777% | 3,051 |
| Credit loss provision to net charge-offs | 147.0309% | 1,585 |
| Earnings coverage of net charge-offs (x) | 12.8789% | 2,088 |
| Efficiency ratio | 55.9000% | 5,961 |
| Assets per employee ($millions) | 5.1297% | 2,036 |
| Cash dividends to net income (ytd only)* | 34.1427% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 5,411 |
| Loan loss allowance to noncurrent loans | 62.6270% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.6653% | 2,218 |
| Noncurrent loans to loans | 1.6463% | 2,437 |
| Net loans and leases to total assets | 82.5277% | 364 |
| Net loans and leases to deposits | 95.8081% | 750 |
| Net loans and leases to core deposits | 104.9806% | 858 |
| Total domestic deposits to total assets | 86.1385% | 3,182 |
| Equity capital to assets | 9.2272% | 4,773 |
| Core capital (leverage) ratio | 9.3541% | 4,468 |
| Tier 1 risk-based capital ratio | 11.9354% | 5,653 |
| Total risk-based capital ratio | 13.0630% | 5,668 |
| Memoranda: | ||
| Average total assets | $574,451,000 | 1,156 |
| Average earning assets | $535,658,600 | 1,129 |
| Average equity | $52,575,800 | 1,348 |
| Average total loans | $473,852,800 | 897 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 1,353 |
| Cost of funding earning assets | 0.6210% | 2,641 |
| Net interest margin | 4.1748% | 1,407 |
| Noninterest income to average assets | 0.4389% | 4,227 |
| Noninterest expense to average assets | 2.3998% | 5,025 |
| Loan and lease loss provision to assets | 0.2305% | 1,573 |
| Net operating income to assets | 1.1694% | 1,742 |
| Return on assets (ROA) | 1.1694% | 1,816 |
| Pretax return on assets | 1.7019% | 1,095 |
| Return on Equity (ROE) | 12.8039% | 1,286 |
| Retained earnings to average equity (ytd only) | 9.9010% | 811 |
| Net charge-offs to loans | 0.1788% | 2,795 |
| Credit loss provision to net charge-offs | 156.6879% | 1,507 |
| Earnings coverage of net charge-offs (x) | 13.1386% | 2,061 |
| Efficiency ratio | 54.9249% | 6,022 |
| Assets per employee ($millions) | 4.8153% | 2,419 |
| Cash dividends to net income (ytd only)* | 22.6718% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 5,547 |
| Loan loss allowance to noncurrent loans | 63.3629% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.6568% | 2,480 |
| Noncurrent loans to loans | 1.6436% | 2,712 |
| Net loans and leases to total assets | 82.1020% | 364 |
| Net loans and leases to deposits | 95.9789% | 687 |
| Net loans and leases to core deposits | 102.8824% | 942 |
| Total domestic deposits to total assets | 85.5417% | 3,473 |
| Equity capital to assets | 9.0998% | 5,061 |
| Core capital (leverage) ratio | 9.5404% | 4,348 |
| Tier 1 risk-based capital ratio | 11.9770% | 5,792 |
| Total risk-based capital ratio | 13.1070% | 5,818 |
| Memoranda: | ||
| Average total assets | $569,302,500 | 1,178 |
| Average earning assets | $530,920,250 | 1,153 |
| Average equity | $51,993,250 | 1,376 |
| Average total loans | $468,267,750 | 909 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7987% | 1,326 |
| Cost of funding earning assets | 0.6344% | 2,639 |
| Net interest margin | 4.1644% | 1,363 |
| Noninterest income to average assets | 0.4669% | 4,043 |
| Noninterest expense to average assets | 2.4458% | 4,910 |
| Loan and lease loss provision to assets | 0.2592% | 1,427 |
| Net operating income to assets | 1.1306% | 1,813 |
| Return on assets (ROA) | 1.1306% | 1,928 |
| Pretax return on assets | 1.6430% | 1,247 |
| Return on Equity (ROE) | 12.3638% | 1,387 |
| Retained earnings to average equity (ytd only) | 7.9682% | 1,501 |
| Net charge-offs to loans | 0.2438% | 2,261 |
| Credit loss provision to net charge-offs | 129.6625% | 1,746 |
| Earnings coverage of net charge-offs (x) | 9.5151% | 2,274 |
| Efficiency ratio | 55.7697% | 5,992 |
| Assets per employee ($millions) | 4.5580% | 2,722 |
| Cash dividends to net income (ytd only)* | 35.5528% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 5,676 |
| Loan loss allowance to noncurrent loans | 59.0574% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 1.8704% | 2,312 |
| Noncurrent loans to loans | 1.7573% | 2,688 |
| Net loans and leases to total assets | 83.8035% | 248 |
| Net loans and leases to deposits | 98.1257% | 535 |
| Net loans and leases to core deposits | 100.6486% | 1,034 |
| Total domestic deposits to total assets | 85.4042% | 3,691 |
| Equity capital to assets | 9.2751% | 4,896 |
| Core capital (leverage) ratio | 9.3269% | 4,499 |
| Tier 1 risk-based capital ratio | 12.0673% | 5,755 |
| Total risk-based capital ratio | 13.1951% | 5,773 |
| Memoranda: | ||
| Average total assets | $563,249,670 | 1,190 |
| Average earning assets | $524,931,670 | 1,164 |
| Average equity | $51,505,000 | 1,393 |
| Average total loans | $461,892,670 | 918 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7697% | 1,353 |
| Cost of funding earning assets | 0.6412% | 2,733 |
| Net interest margin | 4.1285% | 1,381 |
| Noninterest income to average assets | 0.4495% | 4,121 |
| Noninterest expense to average assets | 2.4981% | 4,763 |
| Loan and lease loss provision to assets | 0.2576% | 1,383 |
| Net operating income to assets | 1.0599% | 1,994 |
| Return on assets (ROA) | 1.0599% | 2,110 |
| Pretax return on assets | 1.5334% | 1,476 |
| Return on Equity (ROE) | 11.6729% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.6729% | 755 |
| Net charge-offs to loans | 0.2457% | 1,980 |
| Credit loss provision to net charge-offs | 129.8932% | 1,519 |
| Earnings coverage of net charge-offs (x) | 9.0320% | 1,892 |
| Efficiency ratio | 57.7328% | 5,883 |
| Assets per employee ($millions) | 4.9732% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 5,742 |
| Loan loss allowance to noncurrent loans | 62.0592% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.7377% | 2,684 |
| Noncurrent loans to loans | 1.7112% | 2,980 |
| Net loans and leases to total assets | 78.2587% | 585 |
| Net loans and leases to deposits | 91.9530% | 803 |
| Net loans and leases to core deposits | 94.2767% | 1,323 |
| Total domestic deposits to total assets | 85.1073% | 3,985 |
| Equity capital to assets | 9.1155% | 5,353 |
| Core capital (leverage) ratio | 9.2879% | 4,421 |
| Tier 1 risk-based capital ratio | 12.4861% | 5,587 |
| Total risk-based capital ratio | 13.6388% | 5,600 |
| Memoranda: | ||
| Average total assets | $566,839,500 | 1,197 |
| Average earning assets | $527,166,500 | 1,170 |
| Average equity | $51,469,500 | 1,410 |
| Average total loans | $457,392,500 | 923 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0598% | 1,401 |
| Cost of funding earning assets | 0.7951% | 2,704 |
| Net interest margin | 4.2647% | 1,478 |
| Noninterest income to average assets | 0.4608% | 4,169 |
| Noninterest expense to average assets | 2.3611% | 5,522 |
| Loan and lease loss provision to assets | 0.2916% | 2,341 |
| Net operating income to assets | 1.2277% | 1,511 |
| Return on assets (ROA) | 1.2272% | 1,680 |
| Pretax return on assets | 1.7738% | 968 |
| Return on Equity (ROE) | 14.0107% | 989 |
| Retained earnings to average equity (ytd only) | 9.5849% | 683 |
| Net charge-offs to loans | 0.2936% | 3,182 |
| Credit loss provision to net charge-offs | 126.7979% | 2,227 |
| Earnings coverage of net charge-offs (x) | 8.9841% | 2,322 |
| Efficiency ratio | 52.7642% | 6,397 |
| Assets per employee ($millions) | 4.9714% | 2,265 |
| Cash dividends to net income (ytd only)* | 31.5887% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 5,893 |
| Loan loss allowance to noncurrent loans | 58.0923% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.7255% | 2,809 |
| Noncurrent loans to loans | 1.7571% | 2,977 |
| Net loans and leases to total assets | 81.4733% | 365 |
| Net loans and leases to deposits | 95.8882% | 620 |
| Net loans and leases to core deposits | 98.4360% | 1,116 |
| Total domestic deposits to total assets | 84.9670% | 3,879 |
| Equity capital to assets | 9.0440% | 5,473 |
| Core capital (leverage) ratio | 9.0389% | 4,834 |
| Tier 1 risk-based capital ratio | 11.6572% | 5,989 |
| Total risk-based capital ratio | 12.7417% | 6,075 |
| Memoranda: | ||
| Average total assets | $574,476,600 | 1,154 |
| Average earning assets | $534,272,600 | 1,128 |
| Average equity | $50,318,600 | 1,406 |
| Average total loans | $449,919,600 | 920 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0271% | 1,620 |
| Cost of funding earning assets | 0.8277% | 2,726 |
| Net interest margin | 4.1994% | 1,738 |
| Noninterest income to average assets | 0.4729% | 4,117 |
| Noninterest expense to average assets | 2.2772% | 5,750 |
| Loan and lease loss provision to assets | 0.2966% | 2,216 |
| Net operating income to assets | 1.2545% | 1,564 |
| Return on assets (ROA) | 1.2545% | 1,726 |
| Pretax return on assets | 1.8105% | 1,020 |
| Return on Equity (ROE) | 14.4362% | 1,014 |
| Retained earnings to average equity (ytd only) | 11.5436% | 603 |
| Net charge-offs to loans | 0.2895% | 2,989 |
| Credit loss provision to net charge-offs | 132.4742% | 2,178 |
| Earnings coverage of net charge-offs (x) | 9.4114% | 2,324 |
| Efficiency ratio | 51.3346% | 6,503 |
| Assets per employee ($millions) | 4.9413% | 2,264 |
| Cash dividends to net income (ytd only)* | 20.0367% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 5,997 |
| Loan loss allowance to noncurrent loans | 49.3516% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.9738% | 2,686 |
| Noncurrent loans to loans | 2.0732% | 2,767 |
| Net loans and leases to total assets | 79.6874% | 532 |
| Net loans and leases to deposits | 94.0460% | 789 |
| Net loans and leases to core deposits | 96.5047% | 1,370 |
| Total domestic deposits to total assets | 84.7323% | 3,871 |
| Equity capital to assets | 8.8960% | 5,926 |
| Core capital (leverage) ratio | 8.8168% | 5,315 |
| Tier 1 risk-based capital ratio | 11.8412% | 6,034 |
| Total risk-based capital ratio | 12.9457% | 6,099 |
| Memoranda: | ||
| Average total assets | $577,655,000 | 1,159 |
| Average earning assets | $538,035,250 | 1,140 |
| Average equity | $50,196,750 | 1,425 |
| Average total loans | $446,797,750 | 933 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0124% | 1,755 |
| Cost of funding earning assets | 0.8634% | 2,701 |
| Net interest margin | 4.1490% | 1,910 |
| Noninterest income to average assets | 0.4621% | 4,191 |
| Noninterest expense to average assets | 2.2828% | 5,787 |
| Loan and lease loss provision to assets | 0.2824% | 2,319 |
| Net operating income to assets | 1.2183% | 1,651 |
| Return on assets (ROA) | 1.2183% | 1,843 |
| Pretax return on assets | 1.7542% | 1,130 |
| Return on Equity (ROE) | 14.1299% | 1,085 |
| Retained earnings to average equity (ytd only) | 9.7807% | 1,041 |
| Net charge-offs to loans | 0.3163% | 2,764 |
| Credit loss provision to net charge-offs | 116.9757% | 2,352 |
| Earnings coverage of net charge-offs (x) | 8.4365% | 2,295 |
| Efficiency ratio | 52.2283% | 6,483 |
| Assets per employee ($millions) | 5.2014% | 1,926 |
| Cash dividends to net income (ytd only)* | 30.7801% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 6,160 |
| Loan loss allowance to noncurrent loans | 55.2953% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.7154% | 3,150 |
| Noncurrent loans to loans | 1.8078% | 3,204 |
| Net loans and leases to total assets | 76.9357% | 849 |
| Net loans and leases to deposits | 90.9653% | 1,051 |
| Net loans and leases to core deposits | 93.1282% | 1,674 |
| Total domestic deposits to total assets | 84.5770% | 4,063 |
| Equity capital to assets | 8.8693% | 5,844 |
| Core capital (leverage) ratio | 8.8211% | 5,180 |
| Tier 1 risk-based capital ratio | 11.9918% | 5,943 |
| Total risk-based capital ratio | 13.0474% | 6,037 |
| Memoranda: | ||
| Average total assets | $580,789,000 | 1,155 |
| Average earning assets | $539,937,670 | 1,139 |
| Average equity | $50,078,330 | 1,417 |
| Average total loans | $443,228,000 | 941 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 1,841 |
| Cost of funding earning assets | 0.8895% | 2,768 |
| Net interest margin | 4.1243% | 2,009 |
| Noninterest income to average assets | 0.4161% | 4,550 |
| Noninterest expense to average assets | 2.3553% | 5,612 |
| Loan and lease loss provision to assets | 0.2678% | 2,315 |
| Net operating income to assets | 1.1543% | 1,868 |
| Return on assets (ROA) | 1.1543% | 2,048 |
| Pretax return on assets | 1.6487% | 1,436 |
| Return on Equity (ROE) | 13.5800% | 1,283 |
| Retained earnings to average equity (ytd only) | 13.5800% | 614 |
| Net charge-offs to loans | 0.3115% | 2,406 |
| Credit loss provision to net charge-offs | 113.7026% | 2,079 |
| Earnings coverage of net charge-offs (x) | 8.1370% | 1,995 |
| Efficiency ratio | 54.5089% | 6,293 |
| Assets per employee ($millions) | 5.2151% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 6,178 |
| Loan loss allowance to noncurrent loans | 62.1199% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.5009% | 3,612 |
| Noncurrent loans to loans | 1.6398% | 3,642 |
| Net loans and leases to total assets | 72.1252% | 1,382 |
| Net loans and leases to deposits | 84.9722% | 1,540 |
| Net loans and leases to core deposits | 86.9040% | 2,186 |
| Total domestic deposits to total assets | 84.8810% | 4,093 |
| Equity capital to assets | 8.4807% | 6,100 |
| Core capital (leverage) ratio | 8.7490% | 5,202 |
| Tier 1 risk-based capital ratio | 12.3330% | 5,733 |
| Total risk-based capital ratio | 13.4176% | 5,827 |
| Memoranda: | ||
| Average total assets | $582,507,500 | 1,157 |
| Average earning assets | $544,580,000 | 1,118 |
| Average equity | $49,514,000 | 1,426 |
| Average total loans | $440,504,500 | 942 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2125% | 2,009 |
| Cost of funding earning assets | 1.1635% | 2,261 |
| Net interest margin | 4.0490% | 2,639 |
| Noninterest income to average assets | 0.4095% | 4,541 |
| Noninterest expense to average assets | 2.3466% | 5,919 |
| Loan and lease loss provision to assets | 0.2943% | 3,310 |
| Net operating income to assets | 1.1023% | 1,820 |
| Return on assets (ROA) | 1.1023% | 1,937 |
| Pretax return on assets | 1.5565% | 1,321 |
| Return on Equity (ROE) | 13.6212% | 1,030 |
| Retained earnings to average equity (ytd only) | 8.9624% | 813 |
| Net charge-offs to loans | 0.3126% | 3,836 |
| Credit loss provision to net charge-offs | 123.8165% | 2,537 |
| Earnings coverage of net charge-offs (x) | 7.7873% | 2,263 |
| Efficiency ratio | 55.1363% | 6,405 |
| Assets per employee ($millions) | 4.8760% | 2,351 |
| Cash dividends to net income (ytd only)* | 34.2023% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 6,323 |
| Loan loss allowance to noncurrent loans | 62.0611% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.5534% | 3,619 |
| Noncurrent loans to loans | 1.5710% | 3,803 |
| Net loans and leases to total assets | 77.7275% | 740 |
| Net loans and leases to deposits | 93.3179% | 860 |
| Net loans and leases to core deposits | 95.7825% | 1,516 |
| Total domestic deposits to total assets | 83.2932% | 4,626 |
| Equity capital to assets | 8.5204% | 6,121 |
| Core capital (leverage) ratio | 8.5244% | 5,519 |
| Tier 1 risk-based capital ratio | 11.5502% | 6,132 |
| Total risk-based capital ratio | 12.5909% | 6,251 |
| Memoranda: | ||
| Average total assets | $577,724,800 | 1,137 |
| Average earning assets | $540,455,000 | 1,104 |
| Average equity | $46,750,800 | 1,460 |
| Average total loans | $439,197,000 | 949 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2838% | 1,927 |
| Cost of funding earning assets | 1.2032% | 2,298 |
| Net interest margin | 4.0806% | 2,547 |
| Noninterest income to average assets | 0.4118% | 4,571 |
| Noninterest expense to average assets | 2.4447% | 5,648 |
| Loan and lease loss provision to assets | 0.2680% | 3,362 |
| Net operating income to assets | 1.0742% | 2,064 |
| Return on assets (ROA) | 1.0742% | 2,206 |
| Pretax return on assets | 1.5145% | 1,611 |
| Return on Equity (ROE) | 13.4492% | 1,171 |
| Retained earnings to average equity (ytd only) | 10.3123% | 763 |
| Net charge-offs to loans | 0.2788% | 3,687 |
| Credit loss provision to net charge-offs | 127.4617% | 2,509 |
| Earnings coverage of net charge-offs (x) | 8.4770% | 2,170 |
| Efficiency ratio | 57.0262% | 6,140 |
| Assets per employee ($millions) | 4.9239% | 2,291 |
| Cash dividends to net income (ytd only)* | 23.3240% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 6,379 |
| Loan loss allowance to noncurrent loans | 56.8438% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.6657% | 3,586 |
| Noncurrent loans to loans | 1.7125% | 3,742 |
| Net loans and leases to total assets | 76.4049% | 927 |
| Net loans and leases to deposits | 92.1101% | 1,002 |
| Net loans and leases to core deposits | 94.6579% | 1,728 |
| Total domestic deposits to total assets | 82.9495% | 4,706 |
| Equity capital to assets | 8.4990% | 6,297 |
| Core capital (leverage) ratio | 8.2537% | 6,052 |
| Tier 1 risk-based capital ratio | 11.5650% | 6,203 |
| Total risk-based capital ratio | 12.6015% | 6,320 |
| Memoranda: | ||
| Average total assets | $579,533,000 | 1,143 |
| Average earning assets | $541,867,000 | 1,110 |
| Average equity | $46,286,500 | 1,475 |
| Average total loans | $437,047,500 | 969 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2473% | 2,073 |
| Cost of funding earning assets | 1.2284% | 2,394 |
| Net interest margin | 4.0189% | 2,753 |
| Noninterest income to average assets | 0.4032% | 4,659 |
| Noninterest expense to average assets | 2.3801% | 5,905 |
| Loan and lease loss provision to assets | 0.2631% | 3,295 |
| Net operating income to assets | 1.0781% | 1,942 |
| Return on assets (ROA) | 1.0781% | 2,040 |
| Pretax return on assets | 1.5174% | 1,479 |
| Return on Equity (ROE) | 13.7875% | 1,020 |
| Retained earnings to average equity (ytd only) | 9.0043% | 1,108 |
| Net charge-offs to loans | 0.2455% | 3,650 |
| Credit loss provision to net charge-offs | 143.1776% | 2,133 |
| Earnings coverage of net charge-offs (x) | 9.6897% | 1,889 |
| Efficiency ratio | 56.3728% | 6,382 |
| Assets per employee ($millions) | 4.9863% | 2,144 |
| Cash dividends to net income (ytd only)* | 34.6926% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 6,406 |
| Loan loss allowance to noncurrent loans | 55.6700% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 1.6464% | 3,705 |
| Noncurrent loans to loans | 1.7664% | 3,799 |
| Net loans and leases to total assets | 73.7163% | 1,472 |
| Net loans and leases to deposits | 88.2126% | 1,469 |
| Net loans and leases to core deposits | 90.4278% | 2,314 |
| Total domestic deposits to total assets | 83.5667% | 4,518 |
| Equity capital to assets | 8.0123% | 6,674 |
| Core capital (leverage) ratio | 7.9375% | 6,371 |
| Tier 1 risk-based capital ratio | 11.0532% | 6,483 |
| Total risk-based capital ratio | 12.0769% | 6,613 |
| Memoranda: | ||
| Average total assets | $582,319,670 | 1,148 |
| Average earning assets | $544,430,330 | 1,112 |
| Average equity | $45,534,000 | 1,481 |
| Average total loans | $435,832,000 | 987 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2450% | 2,069 |
| Cost of funding earning assets | 1.2536% | 2,482 |
| Net interest margin | 3.9914% | 2,718 |
| Noninterest income to average assets | 0.4105% | 4,624 |
| Noninterest expense to average assets | 2.4422% | 5,760 |
| Loan and lease loss provision to assets | 0.2468% | 3,190 |
| Net operating income to assets | 1.0279% | 2,080 |
| Return on assets (ROA) | 1.0279% | 2,128 |
| Pretax return on assets | 1.4452% | 1,613 |
| Return on Equity (ROE) | 13.3099% | 1,125 |
| Retained earnings to average equity (ytd only) | 13.3099% | 544 |
| Net charge-offs to loans | 0.1246% | 3,776 |
| Credit loss provision to net charge-offs | 263.9706% | 1,191 |
| Earnings coverage of net charge-offs (x) | 18.0956% | 1,197 |
| Efficiency ratio | 58.2405% | 6,237 |
| Assets per employee ($millions) | 5.1269% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9832% | 6,457 |
| Loan loss allowance to noncurrent loans | 56.0347% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.6132% | 3,825 |
| Noncurrent loans to loans | 1.7547% | 3,881 |
| Net loans and leases to total assets | 72.1693% | 1,684 |
| Net loans and leases to deposits | 85.9701% | 1,732 |
| Net loans and leases to core deposits | 89.4115% | 2,423 |
| Total domestic deposits to total assets | 83.9470% | 4,509 |
| Equity capital to assets | 7.7077% | 6,741 |
| Core capital (leverage) ratio | 7.8964% | 6,368 |
| Tier 1 risk-based capital ratio | 11.2615% | 6,299 |
| Total risk-based capital ratio | 12.3144% | 6,441 |
| Memoranda: | ||
| Average total assets | $581,779,500 | 1,155 |
| Average earning assets | $542,761,000 | 1,126 |
| Average equity | $44,929,000 | 1,493 |
| Average total loans | $436,582,000 | 999 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5974% | 1,895 |
| Cost of funding earning assets | 1.5360% | 2,437 |
| Net interest margin | 4.0614% | 2,741 |
| Noninterest income to average assets | 0.4645% | 4,414 |
| Noninterest expense to average assets | 2.3972% | 6,091 |
| Loan and lease loss provision to assets | 0.2781% | 4,584 |
| Net operating income to assets | 1.1116% | 1,670 |
| Return on assets (ROA) | 1.1146% | 1,745 |
| Pretax return on assets | 1.5584% | 1,219 |
| Return on Equity (ROE) | 14.5373% | 784 |
| Retained earnings to average equity (ytd only) | 9.5687% | 593 |
| Net charge-offs to loans | 0.2511% | 4,785 |
| Credit loss provision to net charge-offs | 141.8796% | 2,640 |
| Earnings coverage of net charge-offs (x) | 9.3485% | 1,837 |
| Efficiency ratio | 55.6575% | 6,638 |
| Assets per employee ($millions) | 4.9038% | 2,288 |
| Cash dividends to net income (ytd only)* | 34.1784% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 6,672 |
| Loan loss allowance to noncurrent loans | 46.2870% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 1.8044% | 3,618 |
| Noncurrent loans to loans | 1.9845% | 3,588 |
| Net loans and leases to total assets | 76.5871% | 1,162 |
| Net loans and leases to deposits | 92.2733% | 1,245 |
| Net loans and leases to core deposits | 95.0627% | 2,123 |
| Total domestic deposits to total assets | 83.0003% | 4,793 |
| Equity capital to assets | 7.7384% | 6,722 |
| Core capital (leverage) ratio | 7.7059% | 6,539 |
| Tier 1 risk-based capital ratio | 10.7825% | 6,504 |
| Total risk-based capital ratio | 11.7694% | 6,669 |
| Memoranda: | ||
| Average total assets | $559,145,400 | 1,201 |
| Average earning assets | $518,367,200 | 1,189 |
| Average equity | $42,869,000 | 1,550 |
| Average total loans | $436,397,400 | 1,028 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7071% | 1,688 |
| Cost of funding earning assets | 1.5806% | 2,504 |
| Net interest margin | 4.1265% | 2,504 |
| Noninterest income to average assets | 0.4823% | 4,315 |
| Noninterest expense to average assets | 2.4426% | 5,912 |
| Loan and lease loss provision to assets | 0.2716% | 4,414 |
| Net operating income to assets | 1.1390% | 1,771 |
| Return on assets (ROA) | 1.1421% | 1,868 |
| Pretax return on assets | 1.5914% | 1,366 |
| Return on Equity (ROE) | 14.9326% | 870 |
| Retained earnings to average equity (ytd only) | 11.6730% | 499 |
| Net charge-offs to loans | 0.2501% | 4,438 |
| Credit loss provision to net charge-offs | 138.8005% | 2,873 |
| Earnings coverage of net charge-offs (x) | 9.4994% | 2,013 |
| Efficiency ratio | 55.7238% | 6,598 |
| Assets per employee ($millions) | 4.9731% | 2,217 |
| Cash dividends to net income (ytd only)* | 21.8285% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 6,782 |
| Loan loss allowance to noncurrent loans | 47.7813% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.8889% | 3,630 |
| Noncurrent loans to loans | 1.8566% | 3,861 |
| Net loans and leases to total assets | 76.1502% | 1,379 |
| Net loans and leases to deposits | 91.9906% | 1,447 |
| Net loans and leases to core deposits | 94.6175% | 2,436 |
| Total domestic deposits to total assets | 82.7804% | 4,685 |
| Equity capital to assets | 7.8281% | 6,913 |
| Core capital (leverage) ratio | 7.7847% | 6,585 |
| Tier 1 risk-based capital ratio | 10.5732% | 6,730 |
| Total risk-based capital ratio | 11.5161% | 6,909 |
| Memoranda: | ||
| Average total assets | $556,721,500 | 1,213 |
| Average earning assets | $515,230,250 | 1,203 |
| Average equity | $42,581,500 | 1,563 |
| Average total loans | $435,572,250 | 1,035 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7175% | 1,697 |
| Cost of funding earning assets | 1.6157% | 2,571 |
| Net interest margin | 4.1018% | 2,548 |
| Noninterest income to average assets | 0.5525% | 3,691 |
| Noninterest expense to average assets | 2.4577% | 5,892 |
| Loan and lease loss provision to assets | 0.2886% | 4,084 |
| Net operating income to assets | 1.1605% | 1,672 |
| Return on assets (ROA) | 1.1652% | 1,716 |
| Pretax return on assets | 1.6140% | 1,267 |
| Return on Equity (ROE) | 15.3589% | 795 |
| Retained earnings to average equity (ytd only) | 10.3842% | 769 |
| Net charge-offs to loans | 0.3118% | 3,760 |
| Credit loss provision to net charge-offs | 117.5775% | 3,455 |
| Earnings coverage of net charge-offs (x) | 7.7253% | 2,250 |
| Efficiency ratio | 55.3585% | 6,720 |
| Assets per employee ($millions) | 4.7314% | 2,533 |
| Cash dividends to net income (ytd only)* | 32.3895% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 6,897 |
| Loan loss allowance to noncurrent loans | 55.7985% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 1.7663% | 3,805 |
| Noncurrent loans to loans | 1.5272% | 4,424 |
| Net loans and leases to total assets | 77.7660% | 1,153 |
| Net loans and leases to deposits | 93.1549% | 1,380 |
| Net loans and leases to core deposits | 96.5430% | 2,385 |
| Total domestic deposits to total assets | 83.4802% | 4,353 |
| Equity capital to assets | 7.7324% | 6,975 |
| Core capital (leverage) ratio | 7.5582% | 6,773 |
| Tier 1 risk-based capital ratio | 10.0044% | 7,025 |
| Total risk-based capital ratio | 10.8882% | 7,204 |
| Memoranda: | ||
| Average total assets | $551,658,000 | 1,231 |
| Average earning assets | $511,239,330 | 1,213 |
| Average equity | $41,852,000 | 1,579 |
| Average total loans | $434,293,000 | 1,044 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7334% | 1,662 |
| Cost of funding earning assets | 1.6561% | 2,618 |
| Net interest margin | 4.0773% | 2,540 |
| Noninterest income to average assets | 0.6348% | 3,046 |
| Noninterest expense to average assets | 2.4362% | 5,963 |
| Loan and lease loss provision to assets | 0.3080% | 3,580 |
| Net operating income to assets | 1.2130% | 1,506 |
| Return on assets (ROA) | 1.2130% | 1,578 |
| Pretax return on assets | 1.6641% | 1,134 |
| Return on Equity (ROE) | 16.1448% | 696 |
| Retained earnings to average equity (ytd only) | 16.1448% | 331 |
| Net charge-offs to loans | 0.3196% | 3,133 |
| Credit loss provision to net charge-offs | 122.1902% | 2,863 |
| Earnings coverage of net charge-offs (x) | 7.8242% | 2,033 |
| Efficiency ratio | 54.1934% | 6,952 |
| Assets per employee ($millions) | 4.7921% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8453% | 7,004 |
| Loan loss allowance to noncurrent loans | 49.6808% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 1.8029% | 3,782 |
| Noncurrent loans to loans | 1.7014% | 4,191 |
| Net loans and leases to total assets | 77.1937% | 1,295 |
| Net loans and leases to deposits | 92.5923% | 1,532 |
| Net loans and leases to core deposits | 95.0930% | 2,690 |
| Total domestic deposits to total assets | 83.3694% | 4,445 |
| Equity capital to assets | 7.6188% | 6,984 |
| Core capital (leverage) ratio | 7.5812% | 6,759 |
| Tier 1 risk-based capital ratio | 10.1572% | 6,925 |
| Total risk-based capital ratio | 11.0575% | 7,144 |
| Memoranda: | ||
| Average total assets | $550,697,500 | 1,266 |
| Average earning assets | $509,645,500 | 1,249 |
| Average equity | $41,375,500 | 1,615 |
| Average total loans | $434,341,500 | 1,074 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0782% | 1,582 |
| Cost of funding earning assets | 2.1043% | 2,438 |
| Net interest margin | 3.9739% | 2,973 |
| Noninterest income to average assets | 0.4759% | 4,606 |
| Noninterest expense to average assets | 2.6611% | 5,548 |
| Loan and lease loss provision to assets | 0.2402% | 5,459 |
| Net operating income to assets | 0.9644% | 1,969 |
| Return on assets (ROA) | 0.9644% | 2,021 |
| Pretax return on assets | 1.3012% | 1,694 |
| Return on Equity (ROE) | 12.2994% | 1,092 |
| Retained earnings to average equity (ytd only) | -13.8068% | 6,801 |
| Net charge-offs to loans | 0.2106% | 5,306 |
| Credit loss provision to net charge-offs | 141.2935% | 3,431 |
| Earnings coverage of net charge-offs (x) | 9.0672% | 1,849 |
| Efficiency ratio | 62.8849% | 5,987 |
| Assets per employee ($millions) | 4.6230% | 2,725 |
| Cash dividends to net income (ytd only)* | 212.2561% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 7,068 |
| Loan loss allowance to noncurrent loans | 51.7935% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 1.8856% | 3,549 |
| Noncurrent loans to loans | 1.5861% | 4,276 |
| Net loans and leases to total assets | 79.2535% | 1,139 |
| Net loans and leases to deposits | 95.7050% | 1,366 |
| Net loans and leases to core deposits | 113.2641% | 2,570 |
| Total domestic deposits to total assets | 82.8102% | 4,607 |
| Equity capital to assets | 7.4057% | 7,117 |
| Core capital (leverage) ratio | 7.3023% | 6,980 |
| Tier 1 risk-based capital ratio | 9.4958% | 7,227 |
| Total risk-based capital ratio | 10.3507% | 7,445 |
| Memoranda: | ||
| Average total assets | $472,956,200 | 1,475 |
| Average earning assets | $443,520,800 | 1,420 |
| Average equity | $37,083,200 | 1,813 |
| Average total loans | $381,686,000 | 1,261 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0990% | 1,661 |
| Cost of funding earning assets | 2.1849% | 2,479 |
| Net interest margin | 3.9141% | 3,183 |
| Noninterest income to average assets | 0.4951% | 4,524 |
| Noninterest expense to average assets | 2.6240% | 5,624 |
| Loan and lease loss provision to assets | 0.1753% | 5,608 |
| Net operating income to assets | 0.9639% | 2,180 |
| Return on assets (ROA) | 0.9639% | 2,238 |
| Pretax return on assets | 1.3819% | 1,746 |
| Return on Equity (ROE) | 12.0921% | 1,333 |
| Retained earnings to average equity (ytd only) | -19.6827% | 7,328 |
| Net charge-offs to loans | 0.1775% | 4,976 |
| Credit loss provision to net charge-offs | 122.0408% | 4,155 |
| Earnings coverage of net charge-offs (x) | 10.8408% | 1,913 |
| Efficiency ratio | 62.6025% | 6,003 |
| Assets per employee ($millions) | 4.5243% | 2,828 |
| Cash dividends to net income (ytd only)* | 262.7737% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 6,145 |
| Loan loss allowance to noncurrent loans | 90.9975% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.5262% | 4,077 |
| Noncurrent loans to loans | 1.1246% | 5,065 |
| Net loans and leases to total assets | 78.9921% | 1,395 |
| Net loans and leases to deposits | 95.5905% | 1,637 |
| Net loans and leases to core deposits | 112.2723% | 2,993 |
| Total domestic deposits to total assets | 82.6359% | 4,383 |
| Equity capital to assets | 7.4320% | 7,354 |
| Core capital (leverage) ratio | 8.3778% | 5,693 |
| Tier 1 risk-based capital ratio | 9.7597% | 7,179 |
| Total risk-based capital ratio | 10.8434% | 7,270 |
| Memoranda: | ||
| Average total assets | $454,817,750 | 1,538 |
| Average earning assets | $428,322,500 | 1,492 |
| Average equity | $36,254,250 | 1,875 |
| Average total loans | $368,128,250 | 1,324 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3106% | 1,183 |
| Cost of funding earning assets | 2.3561% | 2,140 |
| Net interest margin | 3.9545% | 2,872 |
| Noninterest income to average assets | 0.5307% | 4,179 |
| Noninterest expense to average assets | 2.6761% | 5,468 |
| Loan and lease loss provision to assets | 0.1312% | 5,780 |
| Net operating income to assets | 1.0165% | 2,050 |
| Return on assets (ROA) | 1.0165% | 2,140 |
| Pretax return on assets | 1.4540% | 1,580 |
| Return on Equity (ROE) | 12.3995% | 1,309 |
| Retained earnings to average equity (ytd only) | 6.4569% | 1,819 |
| Net charge-offs to loans | 0.1214% | 4,948 |
| Credit loss provision to net charge-offs | 132.7014% | 3,522 |
| Earnings coverage of net charge-offs (x) | 16.0379% | 1,551 |
| Efficiency ratio | 62.8009% | 6,121 |
| Assets per employee ($millions) | 4.2074% | 3,286 |
| Cash dividends to net income (ytd only)* | 47.9263% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 6,572 |
| Loan loss allowance to noncurrent loans | 84.9718% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.3400% | 4,272 |
| Noncurrent loans to loans | 1.1141% | 4,989 |
| Net loans and leases to total assets | 80.1376% | 1,291 |
| Net loans and leases to deposits | 100.7137% | 1,211 |
| Net loans and leases to core deposits | 118.7166% | 2,482 |
| Total domestic deposits to total assets | 79.5697% | 5,612 |
| Equity capital to assets | 8.1234% | 6,605 |
| Core capital (leverage) ratio | 8.6016% | 5,259 |
| Tier 1 risk-based capital ratio | 11.1715% | 5,701 |
| Total risk-based capital ratio | 12.1616% | 5,910 |
| Memoranda: | ||
| Average total assets | $426,961,000 | 1,666 |
| Average earning assets | $402,781,000 | 1,608 |
| Average equity | $35,001,330 | 1,942 |
| Average total loans | $347,610,670 | 1,433 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3567% | 1,166 |
| Cost of funding earning assets | 2.3749% | 2,393 |
| Net interest margin | 3.9818% | 2,717 |
| Noninterest income to average assets | 0.5182% | 4,152 |
| Noninterest expense to average assets | 2.5382% | 5,695 |
| Loan and lease loss provision to assets | 0.1586% | 4,903 |
| Net operating income to assets | 1.1082% | 1,936 |
| Return on assets (ROA) | 1.1082% | 2,062 |
| Pretax return on assets | 1.5849% | 1,444 |
| Return on Equity (ROE) | 13.4556% | 1,280 |
| Retained earnings to average equity (ytd only) | 13.4556% | 574 |
| Net charge-offs to loans | 0.0936% | 4,244 |
| Credit loss provision to net charge-offs | 207.4074% | 2,154 |
| Earnings coverage of net charge-offs (x) | 22.8025% | 1,301 |
| Efficiency ratio | 59.2813% | 6,512 |
| Assets per employee ($millions) | 4.2083% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 6,402 |
| Loan loss allowance to noncurrent loans | 106.9551% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 1.1700% | 4,331 |
| Noncurrent loans to loans | 0.9018% | 5,198 |
| Net loans and leases to total assets | 79.8204% | 1,424 |
| Net loans and leases to deposits | 101.1138% | 1,270 |
| Net loans and leases to core deposits | 122.8998% | 2,174 |
| Total domestic deposits to total assets | 78.9412% | 5,752 |
| Equity capital to assets | 8.3039% | 6,386 |
| Core capital (leverage) ratio | 8.8392% | 4,924 |
| Tier 1 risk-based capital ratio | 11.4905% | 5,425 |
| Total risk-based capital ratio | 12.5130% | 5,543 |
| Memoranda: | ||
| Average total assets | $423,758,000 | 1,683 |
| Average earning assets | $400,525,000 | 1,630 |
| Average equity | $34,900,000 | 1,951 |
| Average total loans | $346,111,500 | 1,455 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7474% | 1,875 |
| Cost of funding earning assets | 2.6688% | 3,320 |
| Net interest margin | 4.0786% | 2,801 |
| Noninterest income to average assets | 0.4995% | 4,614 |
| Noninterest expense to average assets | 2.3930% | 6,418 |
| Loan and lease loss provision to assets | 0.1484% | 5,461 |
| Net operating income to assets | 1.3082% | 1,465 |
| Return on assets (ROA) | 1.2254% | 1,642 |
| Pretax return on assets | 1.6831% | 1,183 |
| Return on Equity (ROE) | 14.4591% | 1,019 |
| Retained earnings to average equity (ytd only) | 7.0921% | 1,122 |
| Net charge-offs to loans | 0.1073% | 5,217 |
| Credit loss provision to net charge-offs | 169.4678% | 3,029 |
| Earnings coverage of net charge-offs (x) | 22.2129% | 1,482 |
| Efficiency ratio | 55.1673% | 7,131 |
| Assets per employee ($millions) | 4.0218% | 3,466 |
| Cash dividends to net income (ytd only)* | 50.9506% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 6,454 |
| Loan loss allowance to noncurrent loans | 88.0520% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.9814% | 4,380 |
| Noncurrent loans to loans | 1.0660% | 4,443 |
| Net loans and leases to total assets | 82.0069% | 1,232 |
| Net loans and leases to deposits | 103.8169% | 1,360 |
| Net loans and leases to core deposits | 125.5434% | 2,203 |
| Total domestic deposits to total assets | 78.9918% | 5,381 |
| Equity capital to assets | 8.1660% | 6,606 |
| Core capital (leverage) ratio | 8.8087% | 5,022 |
| Tier 1 risk-based capital ratio | 11.2683% | 5,469 |
| Total risk-based capital ratio | 12.2764% | 5,601 |
| Memoranda: | ||
| Average total assets | $407,771,200 | 1,665 |
| Average earning assets | $383,735,600 | 1,623 |
| Average equity | $34,559,600 | 1,968 |
| Average total loans | $332,770,200 | 1,461 |