Home > The Middlefield Banking Company > Performance and Condition Ratios
The Middlefield Banking Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6515% | 983 |
| Cost of funding earning assets | 1.5468% | 1,819 |
| Net interest margin | 4.1047% | 1,068 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.5533% | 2,144 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.1777% | 1,701 |
| Return on assets (ROA) | 1.1733% | 1,681 |
| Pretax return on assets | 1.4130% | 1,604 |
| Return on Equity (ROE) | 10.2500% | 2,420 |
| Retained earnings to average equity (ytd only) | 1.7808% | 3,630 |
| Net charge-offs to loans | -0.0021% | 3,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.6318% | 2,883 |
| Assets per employee ($millions) | 7.1041% | 2,008 |
| Cash dividends to net income (ytd only)* | 82.6205% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 1,147 |
| Loan loss allowance to noncurrent loans | 199.4392% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 921 |
| Noncurrent loans to loans | 0.7359% | 1,061 |
| Net loans and leases to total assets | 80.0800% | 633 |
| Net loans and leases to deposits | 101.8010% | 444 |
| Net loans and leases to core deposits | 106.0838% | 1,108 |
| Total domestic deposits to total assets | 78.6700% | 3,653 |
| Equity capital to assets | 11.4424% | 1,308 |
| Core capital (leverage) ratio | 10.4752% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0770% | 2,217 |
| Memoranda: | ||
| Average total assets | $1,753,758,800 | 639 |
| Average earning assets | $1,596,350,800 | 634 |
| Average equity | $200,807,800 | 537 |
| Average total loans | $1,414,558,000 | 545 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5773% | 928 |
| Cost of funding earning assets | 1.3607% | 1,973 |
| Net interest margin | 4.2166% | 897 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.5912% | 1,972 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 1.2307% | 1,700 |
| Return on assets (ROA) | 1.2307% | 1,698 |
| Pretax return on assets | 1.4814% | 1,597 |
| Return on Equity (ROE) | 10.7500% | 2,434 |
| Retained earnings to average equity (ytd only) | 2.7057% | 3,582 |
| Net charge-offs to loans | 0.0082% | 2,106 |
| Credit loss provision to net charge-offs | 1,458.1395% | 313 |
| Earnings coverage of net charge-offs (x) | 252.9535% | 509 |
| Efficiency ratio | 60.8191% | 2,871 |
| Assets per employee ($millions) | 6.7808% | 2,115 |
| Cash dividends to net income (ytd only)* | 74.8223% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 1,262 |
| Loan loss allowance to noncurrent loans | 271.9451% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7546% | 741 |
| Noncurrent loans to loans | 0.5325% | 1,492 |
| Net loans and leases to total assets | 79.7800% | 675 |
| Net loans and leases to deposits | 97.9551% | 621 |
| Net loans and leases to core deposits | 105.7190% | 1,030 |
| Total domestic deposits to total assets | 81.4500% | 3,318 |
| Equity capital to assets | 11.0731% | 1,323 |
| Core capital (leverage) ratio | 10.5888% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2196% | 2,193 |
| Memoranda: | ||
| Average total assets | $1,737,535,250 | 645 |
| Average earning assets | $1,580,474,000 | 645 |
| Average equity | $198,985,250 | 534 |
| Average total loans | $1,398,663,250 | 551 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5061% | 821 |
| Cost of funding earning assets | 1.1763% | 2,059 |
| Net interest margin | 4.3298% | 775 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.6294% | 1,852 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.3591% | 1,425 |
| Return on assets (ROA) | 1.3591% | 1,410 |
| Pretax return on assets | 1.6414% | 1,335 |
| Return on Equity (ROE) | 11.7300% | 2,240 |
| Retained earnings to average equity (ytd only) | -0.3132% | 4,143 |
| Net charge-offs to loans | 0.0149% | 1,638 |
| Credit loss provision to net charge-offs | 848.5437% | 459 |
| Earnings coverage of net charge-offs (x) | 145.5340% | 766 |
| Efficiency ratio | 60.1362% | 2,947 |
| Assets per employee ($millions) | 7.1118% | 1,838 |
| Cash dividends to net income (ytd only)* | 102.6694% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 1,306 |
| Loan loss allowance to noncurrent loans | 289.3620% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.7378% | 692 |
| Noncurrent loans to loans | 0.5048% | 1,449 |
| Net loans and leases to total assets | 79.3900% | 693 |
| Net loans and leases to deposits | 96.9490% | 673 |
| Net loans and leases to core deposits | 104.3485% | 1,040 |
| Total domestic deposits to total assets | 81.8900% | 3,253 |
| Equity capital to assets | 11.4129% | 1,227 |
| Core capital (leverage) ratio | 10.5046% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0144% | 2,290 |
| Memoranda: | ||
| Average total assets | $1,720,001,333 | 633 |
| Average earning assets | $1,564,954,667 | 637 |
| Average equity | $199,239,000 | 526 |
| Average total loans | $1,381,809,667 | 544 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2202% | 931 |
| Cost of funding earning assets | 0.9702% | 2,152 |
| Net interest margin | 4.2499% | 875 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.6004% | 1,949 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.3605% | 1,509 |
| Return on assets (ROA) | 1.3605% | 1,480 |
| Pretax return on assets | 1.6490% | 1,371 |
| Return on Equity (ROE) | 11.6600% | 2,305 |
| Retained earnings to average equity (ytd only) | -12.4608% | 4,518 |
| Net charge-offs to loans | -0.0023% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.0867% | 2,950 |
| Assets per employee ($millions) | 7.0452% | 1,947 |
| Cash dividends to net income (ytd only)* | 206.8966% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 1,406 |
| Loan loss allowance to noncurrent loans | 292.9672% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 663 |
| Noncurrent loans to loans | 0.4976% | 1,474 |
| Net loans and leases to total assets | 78.9500% | 647 |
| Net loans and leases to deposits | 95.1702% | 706 |
| Net loans and leases to core deposits | 98.6326% | 1,147 |
| Total domestic deposits to total assets | 82.9600% | 3,304 |
| Equity capital to assets | 11.3066% | 1,222 |
| Core capital (leverage) ratio | 10.5923% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2059% | 2,302 |
| Memoranda: | ||
| Average total assets | $1,705,249,000 | 651 |
| Average earning assets | $1,553,057,500 | 652 |
| Average equity | $199,023,500 | 535 |
| Average total loans | $1,367,911,500 | 555 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2759% | 1,099 |
| Cost of funding earning assets | 0.3491% | 2,481 |
| Net interest margin | 3.9269% | 901 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.2630% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4594% | 983 |
| Return on assets (ROA) | 1.4594% | 942 |
| Pretax return on assets | 1.7636% | 795 |
| Return on Equity (ROE) | 13.5500% | 1,642 |
| Retained earnings to average equity (ytd only) | 3.2357% | 3,653 |
| Net charge-offs to loans | -0.0091% | 3,794 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.2009% | 3,563 |
| Assets per employee ($millions) | 7.0775% | 1,911 |
| Cash dividends to net income (ytd only)* | 76.1259% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 3,052 |
| Loan loss allowance to noncurrent loans | 205.8748% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 619 |
| Noncurrent loans to loans | 0.5184% | 1,407 |
| Net loans and leases to total assets | 79.4600% | 654 |
| Net loans and leases to deposits | 95.4511% | 681 |
| Net loans and leases to core deposits | 99.5028% | 1,028 |
| Total domestic deposits to total assets | 83.2500% | 3,364 |
| Equity capital to assets | 12.0449% | 918 |
| Core capital (leverage) ratio | 11.1588% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6267% | 2,115 |
| Memoranda: | ||
| Average total assets | $1,395,148,200 | 747 |
| Average earning assets | $1,281,095,800 | 740 |
| Average equity | $150,232,200 | 679 |
| Average total loans | $1,057,307,200 | 653 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 855 |
| Cost of funding earning assets | 0.2603% | 2,600 |
| Net interest margin | 3.9590% | 694 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.2574% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5087% | 836 |
| Return on assets (ROA) | 1.5087% | 810 |
| Pretax return on assets | 1.8237% | 696 |
| Return on Equity (ROE) | 14.5600% | 1,272 |
| Retained earnings to average equity (ytd only) | 4.3461% | 3,337 |
| Net charge-offs to loans | -0.0258% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.3135% | 3,689 |
| Assets per employee ($millions) | 7.0644% | 1,894 |
| Cash dividends to net income (ytd only)* | 70.1497% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 1,423 |
| Loan loss allowance to noncurrent loans | 393.6078% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 642 |
| Noncurrent loans to loans | 0.3710% | 1,910 |
| Net loans and leases to total assets | 72.6800% | 1,210 |
| Net loans and leases to deposits | 86.5743% | 1,133 |
| Net loans and leases to core deposits | 88.7911% | 1,373 |
| Total domestic deposits to total assets | 83.9500% | 3,516 |
| Equity capital to assets | 9.3762% | 1,966 |
| Core capital (leverage) ratio | 10.8144% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0993% | 2,020 |
| Memoranda: | ||
| Average total assets | $1,322,826,750 | 782 |
| Average earning assets | $1,218,514,250 | 782 |
| Average equity | $137,068,250 | 729 |
| Average total loans | $983,416,000 | 688 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 714 |
| Cost of funding earning assets | 0.2469% | 2,311 |
| Net interest margin | 3.8931% | 614 |
| Noninterest income to average assets | 0.4068% | 2,712 |
| Noninterest expense to average assets | 2.2131% | 2,807 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4690% | 759 |
| Return on assets (ROA) | 1.4690% | 740 |
| Pretax return on assets | 1.7763% | 633 |
| Return on Equity (ROE) | 13.7296% | 1,183 |
| Retained earnings to average equity (ytd only) | 1.6374% | 3,843 |
| Net charge-offs to loans | -0.0425% | 4,170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4750% | 3,826 |
| Assets per employee ($millions) | 6.9058% | 2,002 |
| Cash dividends to net income (ytd only)* | 88.0738% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 1,446 |
| Loan loss allowance to noncurrent loans | 311.5632% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.8876% | 573 |
| Noncurrent loans to loans | 0.4775% | 1,687 |
| Net loans and leases to total assets | 74.6058% | 852 |
| Net loans and leases to deposits | 83.8616% | 1,132 |
| Net loans and leases to core deposits | 85.7458% | 1,356 |
| Total domestic deposits to total assets | 88.9630% | 2,202 |
| Equity capital to assets | 10.1198% | 1,642 |
| Core capital (leverage) ratio | 10.2314% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0618% | 2,038 |
| Memoranda: | ||
| Average total assets | $1,313,999,333 | 781 |
| Average earning assets | $1,209,172,667 | 792 |
| Average equity | $140,586,333 | 716 |
| Average total loans | $979,489,667 | 681 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9938% | 784 |
| Cost of funding earning assets | 0.2468% | 2,192 |
| Net interest margin | 3.7469% | 690 |
| Noninterest income to average assets | 0.4225% | 2,539 |
| Noninterest expense to average assets | 2.2292% | 2,748 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3681% | 858 |
| Return on assets (ROA) | 1.3681% | 853 |
| Pretax return on assets | 1.6570% | 747 |
| Return on Equity (ROE) | 12.4587% | 1,176 |
| Retained earnings to average equity (ytd only) | 0.0907% | 3,998 |
| Net charge-offs to loans | -0.0612% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3625% | 3,748 |
| Assets per employee ($millions) | 7.1018% | 1,922 |
| Cash dividends to net income (ytd only)* | 99.2720% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 1,612 |
| Loan loss allowance to noncurrent loans | 306.5144% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.8872% | 605 |
| Noncurrent loans to loans | 0.4836% | 1,820 |
| Net loans and leases to total assets | 72.9204% | 746 |
| Net loans and leases to deposits | 82.3273% | 988 |
| Net loans and leases to core deposits | 84.8385% | 1,198 |
| Total domestic deposits to total assets | 88.5738% | 2,266 |
| Equity capital to assets | 10.6352% | 1,529 |
| Core capital (leverage) ratio | 9.9905% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8978% | 2,258 |
| Memoranda: | ||
| Average total assets | $1,325,307,000 | 780 |
| Average earning assets | $1,225,103,500 | 791 |
| Average equity | $145,536,500 | 725 |
| Average total loans | $980,236,000 | 678 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 1,137 |
| Cost of funding earning assets | 0.3184% | 2,212 |
| Net interest margin | 3.7963% | 1,017 |
| Noninterest income to average assets | 0.5199% | 2,484 |
| Noninterest expense to average assets | 2.1418% | 3,267 |
| Loan and lease loss provision to assets | 0.0512% | 2,034 |
| Net operating income to assets | 1.5178% | 978 |
| Return on assets (ROA) | 1.5178% | 1,016 |
| Pretax return on assets | 1.8563% | 802 |
| Return on Equity (ROE) | 13.8310% | 1,237 |
| Retained earnings to average equity (ytd only) | 1.4259% | 4,146 |
| Net charge-offs to loans | -0.0174% | 3,930 |
| Credit loss provision to net charge-offs | -382.5137% | 3,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8919% | 4,048 |
| Assets per employee ($millions) | 7.1874% | 1,796 |
| Cash dividends to net income (ytd only)* | 89.6904% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 1,700 |
| Loan loss allowance to noncurrent loans | 295.1636% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8913% | 660 |
| Noncurrent loans to loans | 0.4944% | 1,890 |
| Net loans and leases to total assets | 72.8301% | 777 |
| Net loans and leases to deposits | 82.9525% | 988 |
| Net loans and leases to core deposits | 85.6618% | 1,225 |
| Total domestic deposits to total assets | 87.7973% | 2,152 |
| Equity capital to assets | 11.3252% | 1,589 |
| Core capital (leverage) ratio | 9.8004% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9741% | 2,259 |
| Memoranda: | ||
| Average total assets | $1,366,292,000 | 731 |
| Average earning assets | $1,270,220,400 | 729 |
| Average equity | $149,938,600 | 713 |
| Average total loans | $1,052,241,600 | 630 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 1,279 |
| Cost of funding earning assets | 0.3367% | 2,234 |
| Net interest margin | 3.7757% | 1,166 |
| Noninterest income to average assets | 0.5308% | 2,493 |
| Noninterest expense to average assets | 2.1323% | 3,273 |
| Loan and lease loss provision to assets | 0.0872% | 1,358 |
| Net operating income to assets | 1.4889% | 1,301 |
| Return on assets (ROA) | 1.4889% | 1,348 |
| Pretax return on assets | 1.8236% | 1,108 |
| Return on Equity (ROE) | 13.6734% | 1,488 |
| Retained earnings to average equity (ytd only) | 1.5667% | 4,301 |
| Net charge-offs to loans | 0.0157% | 1,770 |
| Credit loss provision to net charge-offs | 714.2857% | 635 |
| Earnings coverage of net charge-offs (x) | 156.4444% | 658 |
| Efficiency ratio | 52.7392% | 3,949 |
| Assets per employee ($millions) | 7.2938% | 1,683 |
| Cash dividends to net income (ytd only)* | 88.5417% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,996 |
| Loan loss allowance to noncurrent loans | 209.0468% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.0190% | 639 |
| Noncurrent loans to loans | 0.6735% | 1,631 |
| Net loans and leases to total assets | 73.0772% | 767 |
| Net loans and leases to deposits | 82.9345% | 1,033 |
| Net loans and leases to core deposits | 85.6388% | 1,316 |
| Total domestic deposits to total assets | 88.1143% | 1,767 |
| Equity capital to assets | 11.0239% | 1,999 |
| Core capital (leverage) ratio | 9.6862% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5584% | 2,523 |
| Memoranda: | ||
| Average total assets | $1,375,447,500 | 736 |
| Average earning assets | $1,279,476,000 | 735 |
| Average equity | $149,776,250 | 722 |
| Average total loans | $1,069,616,500 | 627 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 1,438 |
| Cost of funding earning assets | 0.3556% | 2,270 |
| Net interest margin | 3.6998% | 1,351 |
| Noninterest income to average assets | 0.5407% | 2,444 |
| Noninterest expense to average assets | 2.1418% | 3,265 |
| Loan and lease loss provision to assets | 0.1305% | 952 |
| Net operating income to assets | 1.4022% | 1,560 |
| Return on assets (ROA) | 1.4022% | 1,627 |
| Pretax return on assets | 1.7139% | 1,450 |
| Return on Equity (ROE) | 12.9293% | 1,741 |
| Retained earnings to average equity (ytd only) | 0.7621% | 4,386 |
| Net charge-offs to loans | 0.0292% | 1,370 |
| Credit loss provision to net charge-offs | 566.0377% | 645 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 841 |
| Efficiency ratio | 53.7303% | 3,837 |
| Assets per employee ($millions) | 7.4230% | 1,525 |
| Cash dividends to net income (ytd only)* | 94.1055% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 2,228 |
| Loan loss allowance to noncurrent loans | 182.9897% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 1.0932% | 684 |
| Noncurrent loans to loans | 0.7341% | 1,620 |
| Net loans and leases to total assets | 76.7725% | 521 |
| Net loans and leases to deposits | 87.1032% | 842 |
| Net loans and leases to core deposits | 90.2520% | 1,125 |
| Total domestic deposits to total assets | 88.1397% | 1,755 |
| Equity capital to assets | 11.0018% | 1,970 |
| Core capital (leverage) ratio | 9.5634% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9005% | 2,746 |
| Memoranda: | ||
| Average total assets | $1,379,285,667 | 731 |
| Average earning assets | $1,284,493,667 | 729 |
| Average equity | $149,582,333 | 718 |
| Average total loans | $1,089,169,333 | 619 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 1,455 |
| Cost of funding earning assets | 0.3832% | 2,236 |
| Net interest margin | 3.6862% | 1,366 |
| Noninterest income to average assets | 0.5949% | 2,233 |
| Noninterest expense to average assets | 2.1757% | 3,180 |
| Loan and lease loss provision to assets | 0.2015% | 601 |
| Net operating income to assets | 1.3583% | 1,666 |
| Return on assets (ROA) | 1.3583% | 1,754 |
| Pretax return on assets | 1.6570% | 1,588 |
| Return on Equity (ROE) | 12.6136% | 1,782 |
| Retained earnings to average equity (ytd only) | 5.6639% | 3,013 |
| Net charge-offs to loans | 0.0134% | 1,476 |
| Credit loss provision to net charge-offs | 1,891.8919% | 252 |
| Earnings coverage of net charge-offs (x) | 174.5135% | 439 |
| Efficiency ratio | 53.9312% | 3,788 |
| Assets per employee ($millions) | 7.5038% | 1,452 |
| Cash dividends to net income (ytd only)* | 55.0964% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,537 |
| Loan loss allowance to noncurrent loans | 157.6468% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 1.1763% | 638 |
| Noncurrent loans to loans | 0.8103% | 1,642 |
| Net loans and leases to total assets | 78.6154% | 427 |
| Net loans and leases to deposits | 89.0392% | 761 |
| Net loans and leases to core deposits | 93.5310% | 1,011 |
| Total domestic deposits to total assets | 88.2930% | 1,703 |
| Equity capital to assets | 10.8072% | 2,003 |
| Core capital (leverage) ratio | 9.5622% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7438% | 2,754 |
| Memoranda: | ||
| Average total assets | $1,389,723,500 | 730 |
| Average earning assets | $1,296,614,000 | 714 |
| Average equity | $149,648,500 | 715 |
| Average total loans | $1,105,211,500 | 613 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3573% | 1,699 |
| Cost of funding earning assets | 0.7580% | 1,406 |
| Net interest margin | 3.5992% | 2,143 |
| Noninterest income to average assets | 0.4740% | 2,756 |
| Noninterest expense to average assets | 2.1232% | 3,886 |
| Loan and lease loss provision to assets | 0.7579% | 182 |
| Net operating income to assets | 0.8030% | 3,077 |
| Return on assets (ROA) | 0.8030% | 3,199 |
| Pretax return on assets | 0.9534% | 3,207 |
| Return on Equity (ROE) | 7.2198% | 3,111 |
| Retained earnings to average equity (ytd only) | 3.9651% | 2,844 |
| Net charge-offs to loans | 0.2949% | 590 |
| Credit loss provision to net charge-offs | 312.4802% | 1,693 |
| Earnings coverage of net charge-offs (x) | 7.0559% | 2,726 |
| Efficiency ratio | 55.3719% | 4,059 |
| Assets per employee ($millions) | 7.5611% | 1,242 |
| Cash dividends to net income (ytd only)* | 45.0796% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,853 |
| Loan loss allowance to noncurrent loans | 171.2341% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 1.0959% | 835 |
| Noncurrent loans to loans | 0.7113% | 1,918 |
| Net loans and leases to total assets | 78.4550% | 558 |
| Net loans and leases to deposits | 88.9983% | 1,004 |
| Net loans and leases to core deposits | 95.3276% | 1,161 |
| Total domestic deposits to total assets | 88.1534% | 1,405 |
| Equity capital to assets | 10.7294% | 2,494 |
| Core capital (leverage) ratio | 9.4524% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6759% | 2,744 |
| Memoranda: | ||
| Average total assets | $1,298,395,800 | 704 |
| Average earning assets | $1,212,254,800 | 688 |
| Average equity | $144,408,600 | 699 |
| Average total loans | $1,067,643,200 | 599 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 1,688 |
| Cost of funding earning assets | 0.8391% | 1,315 |
| Net interest margin | 3.6160% | 2,222 |
| Noninterest income to average assets | 0.4879% | 2,663 |
| Noninterest expense to average assets | 2.1542% | 3,804 |
| Loan and lease loss provision to assets | 0.8093% | 219 |
| Net operating income to assets | 0.7637% | 3,233 |
| Return on assets (ROA) | 0.7637% | 3,352 |
| Pretax return on assets | 0.9015% | 3,380 |
| Return on Equity (ROE) | 6.8009% | 3,273 |
| Retained earnings to average equity (ytd only) | 3.5420% | 3,287 |
| Net charge-offs to loans | 0.3967% | 402 |
| Credit loss provision to net charge-offs | 245.7923% | 1,936 |
| Earnings coverage of net charge-offs (x) | 5.1959% | 2,756 |
| Efficiency ratio | 55.7365% | 3,951 |
| Assets per employee ($millions) | 7.2147% | 1,368 |
| Cash dividends to net income (ytd only)* | 47.9189% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,703 |
| Loan loss allowance to noncurrent loans | 169.7907% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 1.0327% | 1,059 |
| Noncurrent loans to loans | 0.5895% | 2,324 |
| Net loans and leases to total assets | 82.3933% | 408 |
| Net loans and leases to deposits | 93.9953% | 923 |
| Net loans and leases to core deposits | 101.9507% | 1,030 |
| Total domestic deposits to total assets | 87.6568% | 1,370 |
| Equity capital to assets | 10.7909% | 2,552 |
| Core capital (leverage) ratio | 9.5075% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8938% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,275,182,750 | 701 |
| Average earning assets | $1,190,930,000 | 687 |
| Average equity | $143,192,750 | 695 |
| Average total loans | $1,058,313,250 | 595 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 1,900 |
| Cost of funding earning assets | 0.9171% | 1,292 |
| Net interest margin | 3.5866% | 2,527 |
| Noninterest income to average assets | 0.4304% | 2,908 |
| Noninterest expense to average assets | 2.2143% | 3,736 |
| Loan and lease loss provision to assets | 0.6005% | 529 |
| Net operating income to assets | 0.8206% | 2,971 |
| Return on assets (ROA) | 0.8206% | 3,090 |
| Pretax return on assets | 0.9704% | 3,109 |
| Return on Equity (ROE) | 7.2049% | 3,056 |
| Retained earnings to average equity (ytd only) | 4.3855% | 2,749 |
| Net charge-offs to loans | 0.0577% | 1,679 |
| Credit loss provision to net charge-offs | 1,255.0336% | 681 |
| Earnings coverage of net charge-offs (x) | 32.8322% | 1,368 |
| Efficiency ratio | 58.5002% | 3,631 |
| Assets per employee ($millions) | 6.7805% | 1,572 |
| Cash dividends to net income (ytd only)* | 39.1313% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 3,932 |
| Loan loss allowance to noncurrent loans | 106.6096% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 1,619 |
| Noncurrent loans to loans | 0.8594% | 1,772 |
| Net loans and leases to total assets | 82.2469% | 396 |
| Net loans and leases to deposits | 95.2428% | 857 |
| Net loans and leases to core deposits | 104.6502% | 962 |
| Total domestic deposits to total assets | 86.3551% | 1,864 |
| Equity capital to assets | 10.8849% | 2,435 |
| Core capital (leverage) ratio | 9.6677% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0372% | 2,956 |
| Memoranda: | ||
| Average total assets | $1,245,719,000 | 704 |
| Average earning assets | $1,165,165,667 | 690 |
| Average equity | $141,876,333 | 689 |
| Average total loans | $1,032,800,000 | 596 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6569% | 1,827 |
| Cost of funding earning assets | 1.0492% | 1,221 |
| Net interest margin | 3.6078% | 2,640 |
| Noninterest income to average assets | 0.4009% | 3,092 |
| Noninterest expense to average assets | 2.3509% | 3,646 |
| Loan and lease loss provision to assets | 0.9154% | 250 |
| Net operating income to assets | 0.4564% | 4,001 |
| Return on assets (ROA) | 0.4564% | 4,055 |
| Pretax return on assets | 0.5098% | 4,107 |
| Return on Equity (ROE) | 3.9099% | 3,973 |
| Retained earnings to average equity (ytd only) | 3.9099% | 2,712 |
| Net charge-offs to loans | 0.1065% | 1,047 |
| Credit loss provision to net charge-offs | 1,037.8788% | 557 |
| Earnings coverage of net charge-offs (x) | 16.1591% | 1,535 |
| Efficiency ratio | 62.2578% | 3,470 |
| Assets per employee ($millions) | 6.0942% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 4,019 |
| Loan loss allowance to noncurrent loans | 109.9691% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 1,841 |
| Noncurrent loans to loans | 0.8419% | 1,931 |
| Net loans and leases to total assets | 81.5726% | 495 |
| Net loans and leases to deposits | 98.4871% | 660 |
| Net loans and leases to core deposits | 106.3324% | 1,039 |
| Total domestic deposits to total assets | 82.8258% | 3,160 |
| Equity capital to assets | 11.4114% | 2,518 |
| Core capital (leverage) ratio | 10.5260% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0879% | 2,656 |
| Memoranda: | ||
| Average total assets | $1,197,308,000 | 695 |
| Average earning assets | $1,120,137,000 | 685 |
| Average equity | $139,747,500 | 692 |
| Average total loans | $991,995,500 | 601 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 2,543 |
| Cost of funding earning assets | 1.0962% | 1,339 |
| Net interest margin | 3.5261% | 3,357 |
| Noninterest income to average assets | 0.3707% | 3,482 |
| Noninterest expense to average assets | 2.1603% | 4,242 |
| Loan and lease loss provision to assets | 0.0709% | 2,582 |
| Net operating income to assets | 1.1974% | 2,066 |
| Return on assets (ROA) | 1.2101% | 2,110 |
| Pretax return on assets | 1.4691% | 1,903 |
| Return on Equity (ROE) | 11.2862% | 1,781 |
| Retained earnings to average equity (ytd only) | 7.9805% | 984 |
| Net charge-offs to loans | 0.1555% | 1,288 |
| Credit loss provision to net charge-offs | 57.4194% | 3,063 |
| Earnings coverage of net charge-offs (x) | 12.3490% | 2,421 |
| Efficiency ratio | 58.6266% | 3,894 |
| Assets per employee ($millions) | 6.0921% | 1,563 |
| Cash dividends to net income (ytd only)* | 29.2898% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6868% | 4,600 |
| Loan loss allowance to noncurrent loans | 77.8916% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7483% | 1,732 |
| Noncurrent loans to loans | 0.8817% | 1,739 |
| Net loans and leases to total assets | 82.8103% | 450 |
| Net loans and leases to deposits | 95.4996% | 995 |
| Net loans and leases to core deposits | 109.6319% | 876 |
| Total domestic deposits to total assets | 86.7127% | 1,749 |
| Equity capital to assets | 11.9390% | 2,174 |
| Core capital (leverage) ratio | 10.3542% | 3,127 |
| Tier 1 risk-based capital ratio | 12.1174% | 4,293 |
| Total risk-based capital ratio | 12.7889% | 4,490 |
| Memoranda: | ||
| Average total assets | $1,255,547,600 | 632 |
| Average earning assets | $1,180,068,400 | 614 |
| Average equity | $134,615,600 | 684 |
| Average total loans | $996,526,800 | 578 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5701% | 2,831 |
| Cost of funding earning assets | 1.0959% | 1,372 |
| Net interest margin | 3.4742% | 3,651 |
| Noninterest income to average assets | 0.3624% | 3,553 |
| Noninterest expense to average assets | 2.1594% | 4,257 |
| Loan and lease loss provision to assets | 0.0450% | 3,006 |
| Net operating income to assets | 1.1746% | 2,282 |
| Return on assets (ROA) | 1.1912% | 2,308 |
| Pretax return on assets | 1.4466% | 2,132 |
| Return on Equity (ROE) | 11.4108% | 1,835 |
| Retained earnings to average equity (ytd only) | 6.9495% | 1,884 |
| Net charge-offs to loans | 0.1143% | 1,335 |
| Credit loss provision to net charge-offs | 50.1750% | 2,790 |
| Earnings coverage of net charge-offs (x) | 16.4037% | 2,143 |
| Efficiency ratio | 59.4765% | 3,736 |
| Assets per employee ($millions) | 6.4336% | 1,312 |
| Cash dividends to net income (ytd only)* | 39.0969% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 4,655 |
| Loan loss allowance to noncurrent loans | 69.6409% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.7922% | 1,741 |
| Noncurrent loans to loans | 1.0052% | 1,588 |
| Net loans and leases to total assets | 77.5663% | 1,213 |
| Net loans and leases to deposits | 95.9657% | 1,021 |
| Net loans and leases to core deposits | 114.0859% | 745 |
| Total domestic deposits to total assets | 80.8271% | 3,801 |
| Equity capital to assets | 10.7482% | 3,336 |
| Core capital (leverage) ratio | 9.9719% | 3,663 |
| Tier 1 risk-based capital ratio | 11.6808% | 4,575 |
| Total risk-based capital ratio | 12.3724% | 4,744 |
| Memoranda: | ||
| Average total assets | $1,273,967,000 | 625 |
| Average earning assets | $1,198,429,500 | 610 |
| Average equity | $132,993,500 | 690 |
| Average total loans | $999,289,000 | 577 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 2,886 |
| Cost of funding earning assets | 1.1016% | 1,297 |
| Net interest margin | 3.4374% | 3,779 |
| Noninterest income to average assets | 0.3691% | 3,473 |
| Noninterest expense to average assets | 2.1614% | 4,311 |
| Loan and lease loss provision to assets | 0.0550% | 2,724 |
| Net operating income to assets | 1.1423% | 2,362 |
| Return on assets (ROA) | 1.1666% | 2,348 |
| Pretax return on assets | 1.4175% | 2,148 |
| Return on Equity (ROE) | 11.2875% | 1,877 |
| Retained earnings to average equity (ytd only) | 6.7993% | 1,902 |
| Net charge-offs to loans | 0.0949% | 1,414 |
| Credit loss provision to net charge-offs | 73.8397% | 2,288 |
| Earnings coverage of net charge-offs (x) | 19.3565% | 1,820 |
| Efficiency ratio | 59.9695% | 3,734 |
| Assets per employee ($millions) | 6.5010% | 1,236 |
| Cash dividends to net income (ytd only)* | 39.7628% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 4,644 |
| Loan loss allowance to noncurrent loans | 68.0708% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 1,676 |
| Noncurrent loans to loans | 1.0744% | 1,525 |
| Net loans and leases to total assets | 77.0171% | 1,384 |
| Net loans and leases to deposits | 94.1540% | 1,246 |
| Net loans and leases to core deposits | 113.8172% | 784 |
| Total domestic deposits to total assets | 81.7991% | 3,578 |
| Equity capital to assets | 10.4386% | 3,576 |
| Core capital (leverage) ratio | 9.7628% | 3,865 |
| Tier 1 risk-based capital ratio | 11.4323% | 4,717 |
| Total risk-based capital ratio | 12.1540% | 4,868 |
| Memoranda: | ||
| Average total assets | $1,271,860,000 | 627 |
| Average earning assets | $1,197,020,330 | 612 |
| Average equity | $131,455,330 | 693 |
| Average total loans | $999,027,670 | 575 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5209% | 2,797 |
| Cost of funding earning assets | 1.0752% | 1,273 |
| Net interest margin | 3.4456% | 3,760 |
| Noninterest income to average assets | 0.3610% | 3,438 |
| Noninterest expense to average assets | 2.1604% | 4,353 |
| Loan and lease loss provision to assets | 0.0759% | 2,160 |
| Net operating income to assets | 1.1315% | 2,344 |
| Return on assets (ROA) | 1.1315% | 2,393 |
| Pretax return on assets | 1.3723% | 2,179 |
| Return on Equity (ROE) | 11.0030% | 1,943 |
| Retained earnings to average equity (ytd only) | 7.6184% | 1,801 |
| Net charge-offs to loans | 0.1849% | 751 |
| Credit loss provision to net charge-offs | 51.9481% | 1,960 |
| Earnings coverage of net charge-offs (x) | 9.9069% | 1,993 |
| Efficiency ratio | 59.8685% | 3,826 |
| Assets per employee ($millions) | 6.2136% | 1,395 |
| Cash dividends to net income (ytd only)* | 30.7606% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7165% | 4,744 |
| Loan loss allowance to noncurrent loans | 68.8121% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 1,716 |
| Noncurrent loans to loans | 1.0413% | 1,602 |
| Net loans and leases to total assets | 78.0083% | 1,145 |
| Net loans and leases to deposits | 95.7975% | 993 |
| Net loans and leases to core deposits | 111.6526% | 852 |
| Total domestic deposits to total assets | 81.4304% | 3,871 |
| Equity capital to assets | 10.2840% | 3,537 |
| Core capital (leverage) ratio | 9.6511% | 3,970 |
| Tier 1 risk-based capital ratio | 11.0833% | 4,937 |
| Total risk-based capital ratio | 11.7862% | 5,073 |
| Memoranda: | ||
| Average total assets | $1,264,193,500 | 633 |
| Average earning assets | $1,191,542,000 | 617 |
| Average equity | $130,000,500 | 699 |
| Average total loans | $999,210,000 | 576 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5918% | 2,151 |
| Cost of funding earning assets | 0.8760% | 1,189 |
| Net interest margin | 3.7158% | 2,972 |
| Noninterest income to average assets | 0.3293% | 3,901 |
| Noninterest expense to average assets | 2.2902% | 4,146 |
| Loan and lease loss provision to assets | 0.0720% | 2,695 |
| Net operating income to assets | 1.2311% | 2,043 |
| Return on assets (ROA) | 1.2311% | 2,035 |
| Pretax return on assets | 1.4605% | 1,913 |
| Return on Equity (ROE) | 11.6783% | 1,831 |
| Retained earnings to average equity (ytd only) | 7.8961% | 1,284 |
| Net charge-offs to loans | 0.0631% | 2,223 |
| Credit loss provision to net charge-offs | 139.5349% | 1,933 |
| Earnings coverage of net charge-offs (x) | 29.6910% | 1,612 |
| Efficiency ratio | 59.9094% | 3,874 |
| Assets per employee ($millions) | 6.2419% | 1,365 |
| Cash dividends to net income (ytd only)* | 32.3861% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7483% | 4,680 |
| Loan loss allowance to noncurrent loans | 98.5146% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 2,169 |
| Noncurrent loans to loans | 0.7595% | 2,104 |
| Net loans and leases to total assets | 78.9243% | 1,108 |
| Net loans and leases to deposits | 96.7083% | 1,004 |
| Net loans and leases to core deposits | 103.7942% | 1,430 |
| Total domestic deposits to total assets | 81.6106% | 3,752 |
| Equity capital to assets | 10.2825% | 3,392 |
| Core capital (leverage) ratio | 9.5997% | 4,007 |
| Tier 1 risk-based capital ratio | 11.0924% | 4,930 |
| Total risk-based capital ratio | 11.8343% | 5,044 |
| Memoranda: | ||
| Average total assets | $1,166,280,200 | 658 |
| Average earning assets | $1,096,477,600 | 646 |
| Average equity | $122,946,200 | 700 |
| Average total loans | $953,678,600 | 582 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5716% | 2,071 |
| Cost of funding earning assets | 0.8289% | 1,199 |
| Net interest margin | 3.7427% | 2,858 |
| Noninterest income to average assets | 0.3182% | 4,020 |
| Noninterest expense to average assets | 2.3320% | 4,014 |
| Loan and lease loss provision to assets | 0.0733% | 2,487 |
| Net operating income to assets | 1.2003% | 2,237 |
| Return on assets (ROA) | 1.2003% | 2,240 |
| Pretax return on assets | 1.4276% | 2,127 |
| Return on Equity (ROE) | 11.3108% | 2,049 |
| Retained earnings to average equity (ytd only) | 7.6922% | 1,799 |
| Net charge-offs to loans | 0.0460% | 2,173 |
| Credit loss provision to net charge-offs | 193.2515% | 1,422 |
| Earnings coverage of net charge-offs (x) | 39.5640% | 1,368 |
| Efficiency ratio | 60.8416% | 3,681 |
| Assets per employee ($millions) | 5.9970% | 1,488 |
| Cash dividends to net income (ytd only)* | 31.9922% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7695% | 4,710 |
| Loan loss allowance to noncurrent loans | 102.8266% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.6259% | 2,305 |
| Noncurrent loans to loans | 0.7483% | 2,218 |
| Net loans and leases to total assets | 80.1723% | 993 |
| Net loans and leases to deposits | 95.0939% | 1,259 |
| Net loans and leases to core deposits | 101.8439% | 1,626 |
| Total domestic deposits to total assets | 84.3086% | 2,853 |
| Equity capital to assets | 10.3177% | 3,316 |
| Core capital (leverage) ratio | 9.4955% | 4,178 |
| Tier 1 risk-based capital ratio | 10.6230% | 5,199 |
| Total risk-based capital ratio | 11.3583% | 5,297 |
| Memoranda: | ||
| Average total assets | $1,145,754,250 | 665 |
| Average earning assets | $1,075,984,500 | 653 |
| Average equity | $121,591,500 | 704 |
| Average total loans | $943,921,750 | 584 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 1,924 |
| Cost of funding earning assets | 0.7928% | 1,155 |
| Net interest margin | 3.7608% | 2,709 |
| Noninterest income to average assets | 0.3192% | 4,044 |
| Noninterest expense to average assets | 2.3855% | 3,936 |
| Loan and lease loss provision to assets | 0.0746% | 2,394 |
| Net operating income to assets | 1.1689% | 2,316 |
| Return on assets (ROA) | 1.1689% | 2,317 |
| Pretax return on assets | 1.3897% | 2,184 |
| Return on Equity (ROE) | 10.9062% | 2,150 |
| Retained earnings to average equity (ytd only) | 6.2653% | 2,434 |
| Net charge-offs to loans | 0.0231% | 2,403 |
| Credit loss provision to net charge-offs | 388.8889% | 844 |
| Earnings coverage of net charge-offs (x) | 76.3241% | 845 |
| Efficiency ratio | 61.9647% | 3,629 |
| Assets per employee ($millions) | 5.8831% | 1,560 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7940% | 4,714 |
| Loan loss allowance to noncurrent loans | 89.6082% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 2,036 |
| Noncurrent loans to loans | 0.8861% | 1,954 |
| Net loans and leases to total assets | 80.4652% | 945 |
| Net loans and leases to deposits | 100.2218% | 794 |
| Net loans and leases to core deposits | 105.4820% | 1,278 |
| Total domestic deposits to total assets | 80.2871% | 4,178 |
| Equity capital to assets | 10.4872% | 3,132 |
| Core capital (leverage) ratio | 9.5555% | 4,058 |
| Tier 1 risk-based capital ratio | 10.7437% | 5,170 |
| Total risk-based capital ratio | 11.5117% | 5,274 |
| Memoranda: | ||
| Average total assets | $1,125,871,670 | 679 |
| Average earning assets | $1,056,970,000 | 663 |
| Average equity | $120,665,330 | 709 |
| Average total loans | $933,931,330 | 591 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 1,564 |
| Cost of funding earning assets | 0.7607% | 1,136 |
| Net interest margin | 3.8418% | 2,252 |
| Noninterest income to average assets | 0.2885% | 4,241 |
| Noninterest expense to average assets | 2.5449% | 3,517 |
| Loan and lease loss provision to assets | 0.0759% | 2,244 |
| Net operating income to assets | 1.0665% | 2,581 |
| Return on assets (ROA) | 1.0665% | 2,592 |
| Pretax return on assets | 1.2701% | 2,476 |
| Return on Equity (ROE) | 9.8401% | 2,517 |
| Retained earnings to average equity (ytd only) | 4.8367% | 3,243 |
| Net charge-offs to loans | -0.0651% | 5,079 |
| Credit loss provision to net charge-offs | -139.0728% | 3,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4061% | 3,265 |
| Assets per employee ($millions) | 5.6431% | 1,809 |
| Cash dividends to net income (ytd only)* | 50.8475% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 4,770 |
| Loan loss allowance to noncurrent loans | 86.3267% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 1,960 |
| Noncurrent loans to loans | 0.9372% | 1,949 |
| Net loans and leases to total assets | 83.7000% | 468 |
| Net loans and leases to deposits | 97.7282% | 886 |
| Net loans and leases to core deposits | 102.6412% | 1,471 |
| Total domestic deposits to total assets | 85.6457% | 2,695 |
| Equity capital to assets | 10.8393% | 2,729 |
| Core capital (leverage) ratio | 9.3931% | 4,200 |
| Tier 1 risk-based capital ratio | 10.6963% | 5,286 |
| Total risk-based capital ratio | 11.4840% | 5,358 |
| Memoranda: | ||
| Average total assets | $1,106,379,000 | 692 |
| Average earning assets | $1,037,427,000 | 679 |
| Average equity | $119,917,500 | 716 |
| Average total loans | $928,494,000 | 599 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5859% | 1,469 |
| Cost of funding earning assets | 0.6594% | 1,249 |
| Net interest margin | 3.9265% | 2,006 |
| Noninterest income to average assets | 0.4409% | 3,366 |
| Noninterest expense to average assets | 2.5231% | 3,705 |
| Loan and lease loss provision to assets | 0.1022% | 2,181 |
| Net operating income to assets | 1.0257% | 2,134 |
| Return on assets (ROA) | 1.0525% | 2,068 |
| Pretax return on assets | 1.5306% | 1,520 |
| Return on Equity (ROE) | 9.9321% | 1,917 |
| Retained earnings to average equity (ytd only) | 0.3146% | 4,900 |
| Net charge-offs to loans | 0.0547% | 2,708 |
| Credit loss provision to net charge-offs | 230.6843% | 1,204 |
| Earnings coverage of net charge-offs (x) | 35.9890% | 1,355 |
| Efficiency ratio | 61.2856% | 4,054 |
| Assets per employee ($millions) | 5.2701% | 2,180 |
| Cash dividends to net income (ytd only)* | 96.8326% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7784% | 4,889 |
| Loan loss allowance to noncurrent loans | 85.2502% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 1,995 |
| Noncurrent loans to loans | 0.9131% | 1,959 |
| Net loans and leases to total assets | 82.8116% | 587 |
| Net loans and leases to deposits | 104.0135% | 490 |
| Net loans and leases to core deposits | 110.3523% | 979 |
| Total domestic deposits to total assets | 79.6162% | 4,412 |
| Equity capital to assets | 10.8381% | 2,793 |
| Core capital (leverage) ratio | 9.4736% | 4,082 |
| Tier 1 risk-based capital ratio | 10.8756% | 5,217 |
| Total risk-based capital ratio | 11.6444% | 5,323 |
| Memoranda: | ||
| Average total assets | $1,022,870,200 | 724 |
| Average earning assets | $957,620,600 | 706 |
| Average equity | $108,395,800 | 754 |
| Average total loans | $828,429,600 | 631 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5985% | 1,370 |
| Cost of funding earning assets | 0.6501% | 1,241 |
| Net interest margin | 3.9484% | 1,868 |
| Noninterest income to average assets | 0.4595% | 3,277 |
| Noninterest expense to average assets | 2.6570% | 3,221 |
| Loan and lease loss provision to assets | 0.0818% | 2,455 |
| Net operating income to assets | 1.0317% | 2,405 |
| Return on assets (ROA) | 1.0703% | 2,275 |
| Pretax return on assets | 1.4705% | 1,879 |
| Return on Equity (ROE) | 10.1639% | 2,053 |
| Retained earnings to average equity (ytd only) | -3.0101% | 5,489 |
| Net charge-offs to loans | 0.0598% | 2,263 |
| Credit loss provision to net charge-offs | 170.3601% | 1,528 |
| Earnings coverage of net charge-offs (x) | 31.2106% | 1,515 |
| Efficiency ratio | 63.9260% | 3,561 |
| Assets per employee ($millions) | 5.2706% | 2,151 |
| Cash dividends to net income (ytd only)* | 129.6158% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7747% | 4,963 |
| Loan loss allowance to noncurrent loans | 69.5846% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 0.9629% | 1,766 |
| Noncurrent loans to loans | 1.1133% | 1,727 |
| Net loans and leases to total assets | 81.2244% | 802 |
| Net loans and leases to deposits | 97.3274% | 983 |
| Net loans and leases to core deposits | 103.7565% | 1,403 |
| Total domestic deposits to total assets | 83.4548% | 3,305 |
| Equity capital to assets | 10.8793% | 2,976 |
| Core capital (leverage) ratio | 9.2949% | 4,412 |
| Tier 1 risk-based capital ratio | 10.9112% | 5,292 |
| Total risk-based capital ratio | 11.6687% | 5,416 |
| Memoranda: | ||
| Average total assets | $1,001,909,500 | 740 |
| Average earning assets | $938,075,750 | 725 |
| Average equity | $105,508,000 | 777 |
| Average total loans | $804,617,750 | 654 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6022% | 1,246 |
| Cost of funding earning assets | 0.6165% | 1,347 |
| Net interest margin | 3.9857% | 1,651 |
| Noninterest income to average assets | 0.4745% | 3,182 |
| Noninterest expense to average assets | 2.6672% | 3,209 |
| Loan and lease loss provision to assets | 0.0687% | 2,594 |
| Net operating income to assets | 1.0761% | 2,101 |
| Return on assets (ROA) | 1.0761% | 2,149 |
| Pretax return on assets | 1.4707% | 1,755 |
| Return on Equity (ROE) | 10.3454% | 1,895 |
| Retained earnings to average equity (ytd only) | -10.1976% | 5,656 |
| Net charge-offs to loans | 0.0843% | 1,766 |
| Credit loss provision to net charge-offs | 102.1341% | 1,978 |
| Earnings coverage of net charge-offs (x) | 22.8963% | 1,691 |
| Efficiency ratio | 63.4051% | 3,778 |
| Assets per employee ($millions) | 5.3053% | 2,050 |
| Cash dividends to net income (ytd only)* | 198.5714% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7526% | 5,074 |
| Loan loss allowance to noncurrent loans | 56.5206% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.1510% | 1,496 |
| Noncurrent loans to loans | 1.3315% | 1,449 |
| Net loans and leases to total assets | 81.2789% | 774 |
| Net loans and leases to deposits | 102.2220% | 601 |
| Net loans and leases to core deposits | 109.3754% | 1,033 |
| Total domestic deposits to total assets | 79.5121% | 4,511 |
| Equity capital to assets | 10.7512% | 3,077 |
| Core capital (leverage) ratio | 9.1072% | 4,607 |
| Tier 1 risk-based capital ratio | 10.5422% | 5,439 |
| Total risk-based capital ratio | 11.2699% | 5,578 |
| Memoranda: | ||
| Average total assets | $975,722,000 | 767 |
| Average earning assets | $913,605,000 | 751 |
| Average equity | $101,494,670 | 815 |
| Average total loans | $778,004,000 | 676 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 1,011 |
| Cost of funding earning assets | 0.6189% | 1,243 |
| Net interest margin | 4.0394% | 1,372 |
| Noninterest income to average assets | 0.4501% | 3,315 |
| Noninterest expense to average assets | 2.8477% | 2,620 |
| Loan and lease loss provision to assets | 0.0711% | 2,382 |
| Net operating income to assets | 0.9796% | 2,395 |
| Return on assets (ROA) | 0.9796% | 2,444 |
| Pretax return on assets | 1.3163% | 2,178 |
| Return on Equity (ROE) | 9.6034% | 2,141 |
| Retained earnings to average equity (ytd only) | -28.4381% | 5,787 |
| Net charge-offs to loans | 0.0236% | 2,289 |
| Credit loss provision to net charge-offs | 383.7209% | 668 |
| Earnings coverage of net charge-offs (x) | 74.8372% | 689 |
| Efficiency ratio | 67.2402% | 3,309 |
| Assets per employee ($millions) | 5.7789% | 1,670 |
| Cash dividends to net income (ytd only)* | 396.1268% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7938% | 5,085 |
| Loan loss allowance to noncurrent loans | 74.0741% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.0014% | 1,815 |
| Noncurrent loans to loans | 1.0716% | 1,910 |
| Net loans and leases to total assets | 78.5603% | 1,043 |
| Net loans and leases to deposits | 98.8277% | 699 |
| Net loans and leases to core deposits | 105.6314% | 1,132 |
| Total domestic deposits to total assets | 79.4922% | 4,712 |
| Equity capital to assets | 10.5605% | 3,121 |
| Core capital (leverage) ratio | 9.4725% | 4,145 |
| Tier 1 risk-based capital ratio | 10.9071% | 5,358 |
| Total risk-based capital ratio | 11.6614% | 5,501 |
| Memoranda: | ||
| Average total assets | $927,750,000 | 809 |
| Average earning assets | $869,327,000 | 796 |
| Average equity | $94,633,500 | 866 |
| Average total loans | $728,184,500 | 723 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 2,375 |
| Cost of funding earning assets | 0.5400% | 1,793 |
| Net interest margin | 3.6935% | 2,720 |
| Noninterest income to average assets | 0.5394% | 2,980 |
| Noninterest expense to average assets | 2.5653% | 3,791 |
| Loan and lease loss provision to assets | 0.0756% | 2,845 |
| Net operating income to assets | 1.0451% | 2,161 |
| Return on assets (ROA) | 1.0756% | 2,110 |
| Pretax return on assets | 1.4065% | 1,919 |
| Return on Equity (ROE) | 10.7800% | 1,655 |
| Retained earnings to average equity (ytd only) | 6.2607% | 1,576 |
| Net charge-offs to loans | 0.0628% | 2,802 |
| Credit loss provision to net charge-offs | 159.6639% | 1,724 |
| Earnings coverage of net charge-offs (x) | 30.4538% | 1,420 |
| Efficiency ratio | 64.0167% | 3,934 |
| Assets per employee ($millions) | 5.6576% | 1,735 |
| Cash dividends to net income (ytd only)* | 41.9236% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 3,816 |
| Loan loss allowance to noncurrent loans | 101.0723% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.9309% | 2,037 |
| Noncurrent loans to loans | 1.0706% | 1,937 |
| Net loans and leases to total assets | 76.6993% | 1,406 |
| Net loans and leases to deposits | 95.2142% | 1,074 |
| Net loans and leases to core deposits | 100.0841% | 1,615 |
| Total domestic deposits to total assets | 80.5544% | 4,437 |
| Equity capital to assets | 9.7107% | 4,051 |
| Core capital (leverage) ratio | 9.2916% | 4,357 |
| Tier 1 risk-based capital ratio | 13.0321% | 4,049 |
| Total risk-based capital ratio | 14.2462% | 3,982 |
| Memoranda: | ||
| Average total assets | $753,974,000 | 960 |
| Average earning assets | $707,912,600 | 942 |
| Average equity | $75,231,600 | 1,056 |
| Average total loans | $568,578,800 | 874 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2187% | 2,449 |
| Cost of funding earning assets | 0.5361% | 1,824 |
| Net interest margin | 3.6825% | 2,786 |
| Noninterest income to average assets | 0.4936% | 3,298 |
| Noninterest expense to average assets | 2.6233% | 3,587 |
| Loan and lease loss provision to assets | 0.0563% | 3,118 |
| Net operating income to assets | 0.9887% | 2,486 |
| Return on assets (ROA) | 1.0309% | 2,415 |
| Pretax return on assets | 1.3257% | 2,328 |
| Return on Equity (ROE) | 10.2593% | 1,945 |
| Retained earnings to average equity (ytd only) | 4.2108% | 3,330 |
| Net charge-offs to loans | 0.0872% | 2,093 |
| Credit loss provision to net charge-offs | 86.3014% | 2,583 |
| Earnings coverage of net charge-offs (x) | 20.3509% | 1,878 |
| Efficiency ratio | 66.3937% | 3,523 |
| Assets per employee ($millions) | 5.4331% | 1,923 |
| Cash dividends to net income (ytd only)* | 58.9561% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,958 |
| Loan loss allowance to noncurrent loans | 97.5662% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.9735% | 2,124 |
| Noncurrent loans to loans | 1.1056% | 2,039 |
| Net loans and leases to total assets | 76.3654% | 1,464 |
| Net loans and leases to deposits | 90.2220% | 1,724 |
| Net loans and leases to core deposits | 95.5938% | 2,038 |
| Total domestic deposits to total assets | 84.6417% | 2,969 |
| Equity capital to assets | 10.0421% | 4,090 |
| Core capital (leverage) ratio | 9.0183% | 4,811 |
| Tier 1 risk-based capital ratio | 11.9251% | 4,835 |
| Total risk-based capital ratio | 13.0279% | 4,830 |
| Memoranda: | ||
| Average total assets | $745,867,250 | 968 |
| Average earning assets | $700,300,000 | 950 |
| Average equity | $74,948,250 | 1,063 |
| Average total loans | $558,283,000 | 890 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 2,386 |
| Cost of funding earning assets | 0.5275% | 1,886 |
| Net interest margin | 3.7075% | 2,667 |
| Noninterest income to average assets | 0.4829% | 3,313 |
| Noninterest expense to average assets | 2.5840% | 3,777 |
| Loan and lease loss provision to assets | 0.0567% | 3,008 |
| Net operating income to assets | 1.0237% | 2,280 |
| Return on assets (ROA) | 1.0867% | 2,140 |
| Pretax return on assets | 1.4033% | 2,011 |
| Return on Equity (ROE) | 10.8125% | 1,716 |
| Retained earnings to average equity (ytd only) | 4.7429% | 2,900 |
| Net charge-offs to loans | 0.0835% | 2,013 |
| Credit loss provision to net charge-offs | 91.7031% | 2,219 |
| Earnings coverage of net charge-offs (x) | 22.2969% | 1,635 |
| Efficiency ratio | 65.2156% | 3,805 |
| Assets per employee ($millions) | 5.3796% | 1,906 |
| Cash dividends to net income (ytd only)* | 56.1351% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,957 |
| Loan loss allowance to noncurrent loans | 75.1949% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.2166% | 1,700 |
| Noncurrent loans to loans | 1.4592% | 1,514 |
| Net loans and leases to total assets | 75.6513% | 1,548 |
| Net loans and leases to deposits | 90.7694% | 1,659 |
| Net loans and leases to core deposits | 97.8266% | 1,820 |
| Total domestic deposits to total assets | 83.3445% | 3,528 |
| Equity capital to assets | 10.0606% | 4,150 |
| Core capital (leverage) ratio | 9.1119% | 4,701 |
| Tier 1 risk-based capital ratio | 11.5116% | 5,146 |
| Total risk-based capital ratio | 12.5912% | 5,151 |
| Memoranda: | ||
| Average total assets | $740,944,330 | 976 |
| Average earning assets | $695,340,670 | 957 |
| Average equity | $74,469,670 | 1,069 |
| Average total loans | $548,645,000 | 897 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2788% | 2,204 |
| Cost of funding earning assets | 0.5265% | 1,899 |
| Net interest margin | 3.7523% | 2,472 |
| Noninterest income to average assets | 0.4567% | 3,437 |
| Noninterest expense to average assets | 2.7355% | 3,292 |
| Loan and lease loss provision to assets | 0.0574% | 2,799 |
| Net operating income to assets | 0.9420% | 2,553 |
| Return on assets (ROA) | 0.9643% | 2,555 |
| Pretax return on assets | 1.2074% | 2,672 |
| Return on Equity (ROE) | 9.5991% | 2,157 |
| Retained earnings to average equity (ytd only) | 3.5025% | 3,744 |
| Net charge-offs to loans | 0.0998% | 1,528 |
| Credit loss provision to net charge-offs | 78.9474% | 1,842 |
| Earnings coverage of net charge-offs (x) | 17.0226% | 1,590 |
| Efficiency ratio | 68.8626% | 3,317 |
| Assets per employee ($millions) | 5.1477% | 2,189 |
| Cash dividends to net income (ytd only)* | 63.5127% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 3,494 |
| Loan loss allowance to noncurrent loans | 73.6616% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.2988% | 1,655 |
| Noncurrent loans to loans | 1.6261% | 1,415 |
| Net loans and leases to total assets | 71.7357% | 2,082 |
| Net loans and leases to deposits | 82.7760% | 2,458 |
| Net loans and leases to core deposits | 87.0134% | 2,656 |
| Total domestic deposits to total assets | 86.6624% | 2,375 |
| Equity capital to assets | 10.1281% | 3,917 |
| Core capital (leverage) ratio | 9.1899% | 4,610 |
| Tier 1 risk-based capital ratio | 12.2145% | 4,772 |
| Total risk-based capital ratio | 13.3776% | 4,734 |
| Memoranda: | ||
| Average total assets | $732,154,000 | 990 |
| Average earning assets | $685,988,000 | 965 |
| Average equity | $73,548,500 | 1,080 |
| Average total loans | $532,867,500 | 917 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3328% | 2,112 |
| Cost of funding earning assets | 0.5367% | 1,873 |
| Net interest margin | 3.7961% | 2,390 |
| Noninterest income to average assets | 0.4931% | 3,371 |
| Noninterest expense to average assets | 2.6688% | 3,695 |
| Loan and lease loss provision to assets | 0.0448% | 3,433 |
| Net operating income to assets | 1.0620% | 2,077 |
| Return on assets (ROA) | 1.0982% | 2,006 |
| Pretax return on assets | 1.3834% | 1,964 |
| Return on Equity (ROE) | 10.8902% | 1,650 |
| Retained earnings to average equity (ytd only) | 5.2211% | 2,263 |
| Net charge-offs to loans | 0.1560% | 1,820 |
| Credit loss provision to net charge-offs | 40.5928% | 3,528 |
| Earnings coverage of net charge-offs (x) | 12.5348% | 2,457 |
| Efficiency ratio | 65.8786% | 3,924 |
| Assets per employee ($millions) | 5.1282% | 2,202 |
| Cash dividends to net income (ytd only)* | 52.0575% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 3,526 |
| Loan loss allowance to noncurrent loans | 75.3659% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2682% | 1,683 |
| Noncurrent loans to loans | 1.5835% | 1,449 |
| Net loans and leases to total assets | 72.0850% | 2,036 |
| Net loans and leases to deposits | 84.3869% | 2,322 |
| Net loans and leases to core deposits | 93.0199% | 2,130 |
| Total domestic deposits to total assets | 85.4220% | 2,893 |
| Equity capital to assets | 9.9632% | 4,003 |
| Core capital (leverage) ratio | 9.2303% | 4,575 |
| Tier 1 risk-based capital ratio | 12.5200% | 4,620 |
| Total risk-based capital ratio | 13.7290% | 4,536 |
| Memoranda: | ||
| Average total assets | $703,679,400 | 988 |
| Average earning assets | $659,543,200 | 967 |
| Average equity | $70,962,600 | 1,076 |
| Average total loans | $497,434,000 | 941 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,118 |
| Cost of funding earning assets | 0.5446% | 1,847 |
| Net interest margin | 3.7923% | 2,417 |
| Noninterest income to average assets | 0.5301% | 3,163 |
| Noninterest expense to average assets | 2.6882% | 3,606 |
| Loan and lease loss provision to assets | 0.0402% | 3,409 |
| Net operating income to assets | 1.0646% | 2,153 |
| Return on assets (ROA) | 1.1030% | 2,070 |
| Pretax return on assets | 1.4084% | 1,981 |
| Return on Equity (ROE) | 10.9030% | 1,741 |
| Retained earnings to average equity (ytd only) | 5.4099% | 2,633 |
| Net charge-offs to loans | 0.2013% | 1,281 |
| Credit loss provision to net charge-offs | 28.4939% | 3,291 |
| Earnings coverage of net charge-offs (x) | 9.9159% | 2,647 |
| Efficiency ratio | 65.7641% | 3,935 |
| Assets per employee ($millions) | 4.8877% | 2,439 |
| Cash dividends to net income (ytd only)* | 50.3820% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 3,448 |
| Loan loss allowance to noncurrent loans | 85.5789% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.2427% | 1,890 |
| Noncurrent loans to loans | 1.4451% | 1,737 |
| Net loans and leases to total assets | 71.2169% | 2,189 |
| Net loans and leases to deposits | 80.3704% | 2,840 |
| Net loans and leases to core deposits | 87.5235% | 2,703 |
| Total domestic deposits to total assets | 88.6109% | 1,229 |
| Equity capital to assets | 10.1141% | 4,036 |
| Core capital (leverage) ratio | 9.1808% | 4,756 |
| Tier 1 risk-based capital ratio | 12.3011% | 4,885 |
| Total risk-based capital ratio | 13.4922% | 4,828 |
| Memoranda: | ||
| Average total assets | $696,267,000 | 1,003 |
| Average earning assets | $653,161,000 | 981 |
| Average equity | $70,437,500 | 1,089 |
| Average total loans | $488,041,250 | 964 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 2,048 |
| Cost of funding earning assets | 0.5434% | 1,875 |
| Net interest margin | 3.7961% | 2,328 |
| Noninterest income to average assets | 0.5178% | 3,242 |
| Noninterest expense to average assets | 2.7544% | 3,396 |
| Loan and lease loss provision to assets | 0.0303% | 3,519 |
| Net operating income to assets | 1.0243% | 2,265 |
| Return on assets (ROA) | 1.0348% | 2,322 |
| Pretax return on assets | 1.3093% | 2,326 |
| Return on Equity (ROE) | 10.2280% | 1,965 |
| Retained earnings to average equity (ytd only) | 4.7813% | 3,004 |
| Net charge-offs to loans | 0.2519% | 1,031 |
| Credit loss provision to net charge-offs | 17.3554% | 3,043 |
| Earnings coverage of net charge-offs (x) | 7.5868% | 2,654 |
| Efficiency ratio | 67.4975% | 3,745 |
| Assets per employee ($millions) | 4.9528% | 2,333 |
| Cash dividends to net income (ytd only)* | 53.2533% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 3,320 |
| Loan loss allowance to noncurrent loans | 92.6153% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.2040% | 2,103 |
| Noncurrent loans to loans | 1.3886% | 1,946 |
| Net loans and leases to total assets | 69.2590% | 2,446 |
| Net loans and leases to deposits | 77.9850% | 3,030 |
| Net loans and leases to core deposits | 87.2315% | 2,637 |
| Total domestic deposits to total assets | 88.8106% | 1,242 |
| Equity capital to assets | 9.9086% | 4,144 |
| Core capital (leverage) ratio | 9.1481% | 4,754 |
| Tier 1 risk-based capital ratio | 14.3519% | 3,732 |
| Total risk-based capital ratio | 15.6041% | 3,649 |
| Memoranda: | ||
| Average total assets | $692,117,670 | 1,008 |
| Average earning assets | $649,614,000 | 984 |
| Average equity | $70,023,330 | 1,100 |
| Average total loans | $480,373,330 | 973 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3563% | 1,920 |
| Cost of funding earning assets | 0.5345% | 1,976 |
| Net interest margin | 3.8219% | 2,160 |
| Noninterest income to average assets | 0.4562% | 3,598 |
| Noninterest expense to average assets | 2.6726% | 3,688 |
| Loan and lease loss provision to assets | 0.0612% | 2,703 |
| Net operating income to assets | 1.0354% | 2,096 |
| Return on assets (ROA) | 1.0464% | 2,195 |
| Pretax return on assets | 1.3319% | 2,146 |
| Return on Equity (ROE) | 10.2349% | 1,898 |
| Retained earnings to average equity (ytd only) | 5.0433% | 3,028 |
| Net charge-offs to loans | 0.4255% | 577 |
| Credit loss provision to net charge-offs | 20.8333% | 2,353 |
| Earnings coverage of net charge-offs (x) | 4.6964% | 2,459 |
| Efficiency ratio | 65.9620% | 4,165 |
| Assets per employee ($millions) | 5.0188% | 2,333 |
| Cash dividends to net income (ytd only)* | 50.7238% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 3,135 |
| Loan loss allowance to noncurrent loans | 83.0050% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 2,034 |
| Noncurrent loans to loans | 1.6297% | 1,713 |
| Net loans and leases to total assets | 67.3940% | 2,548 |
| Net loans and leases to deposits | 76.0489% | 3,047 |
| Net loans and leases to core deposits | 78.7531% | 3,300 |
| Total domestic deposits to total assets | 88.6192% | 1,488 |
| Equity capital to assets | 10.1588% | 3,932 |
| Core capital (leverage) ratio | 9.3431% | 4,503 |
| Tier 1 risk-based capital ratio | 13.6748% | 4,238 |
| Total risk-based capital ratio | 14.2696% | 4,509 |
| Memoranda: | ||
| Average total assets | $686,526,000 | 1,010 |
| Average earning assets | $645,864,500 | 991 |
| Average equity | $70,191,500 | 1,100 |
| Average total loans | $473,837,500 | 983 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 1,962 |
| Cost of funding earning assets | 0.6073% | 1,708 |
| Net interest margin | 3.8714% | 2,354 |
| Noninterest income to average assets | 0.5023% | 3,487 |
| Noninterest expense to average assets | 2.5488% | 4,400 |
| Loan and lease loss provision to assets | 0.0555% | 3,437 |
| Net operating income to assets | 1.1628% | 1,707 |
| Return on assets (ROA) | 1.1914% | 1,680 |
| Pretax return on assets | 1.5489% | 1,388 |
| Return on Equity (ROE) | 12.2002% | 1,353 |
| Retained earnings to average equity (ytd only) | 7.3736% | 1,240 |
| Net charge-offs to loans | 0.1256% | 2,771 |
| Credit loss provision to net charge-offs | 64.9123% | 3,185 |
| Earnings coverage of net charge-offs (x) | 18.3281% | 1,854 |
| Efficiency ratio | 61.9237% | 4,928 |
| Assets per employee ($millions) | 4.8593% | 2,526 |
| Cash dividends to net income (ytd only)* | 39.5618% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 2,679 |
| Loan loss allowance to noncurrent loans | 78.1418% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.5544% | 1,739 |
| Noncurrent loans to loans | 1.8598% | 1,528 |
| Net loans and leases to total assets | 68.7306% | 2,453 |
| Net loans and leases to deposits | 79.0679% | 2,825 |
| Net loans and leases to core deposits | 83.5814% | 2,945 |
| Total domestic deposits to total assets | 86.9260% | 2,323 |
| Equity capital to assets | 10.2917% | 3,735 |
| Core capital (leverage) ratio | 9.2506% | 4,604 |
| Tier 1 risk-based capital ratio | 12.9463% | 4,752 |
| Total risk-based capital ratio | 14.1949% | 4,676 |
| Memoranda: | ||
| Average total assets | $666,599,800 | 1,001 |
| Average earning assets | $622,234,200 | 986 |
| Average equity | $65,097,400 | 1,129 |
| Average total loans | $453,763,600 | 974 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4834% | 1,937 |
| Cost of funding earning assets | 0.6215% | 1,662 |
| Net interest margin | 3.8619% | 2,382 |
| Noninterest income to average assets | 0.4658% | 3,761 |
| Noninterest expense to average assets | 2.5193% | 4,464 |
| Loan and lease loss provision to assets | 0.0743% | 2,855 |
| Net operating income to assets | 1.1357% | 1,913 |
| Return on assets (ROA) | 1.1740% | 1,852 |
| Pretax return on assets | 1.5208% | 1,578 |
| Return on Equity (ROE) | 12.1885% | 1,428 |
| Retained earnings to average equity (ytd only) | 7.5402% | 1,563 |
| Net charge-offs to loans | 0.0380% | 3,738 |
| Credit loss provision to net charge-offs | 289.0625% | 936 |
| Earnings coverage of net charge-offs (x) | 60.1571% | 858 |
| Efficiency ratio | 61.9828% | 4,884 |
| Assets per employee ($millions) | 5.0254% | 2,209 |
| Cash dividends to net income (ytd only)* | 38.1367% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 2,475 |
| Loan loss allowance to noncurrent loans | 70.6133% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.8092% | 1,636 |
| Noncurrent loans to loans | 2.2044% | 1,379 |
| Net loans and leases to total assets | 67.9397% | 2,545 |
| Net loans and leases to deposits | 76.6353% | 3,113 |
| Net loans and leases to core deposits | 79.5492% | 3,369 |
| Total domestic deposits to total assets | 88.6533% | 1,421 |
| Equity capital to assets | 9.9366% | 4,250 |
| Core capital (leverage) ratio | 9.1883% | 4,808 |
| Tier 1 risk-based capital ratio | 12.2746% | 5,317 |
| Total risk-based capital ratio | 13.5239% | 5,240 |
| Memoranda: | ||
| Average total assets | $664,390,000 | 1,017 |
| Average earning assets | $619,134,250 | 1,000 |
| Average equity | $63,993,250 | 1,153 |
| Average total loans | $449,434,750 | 986 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 1,749 |
| Cost of funding earning assets | 0.6331% | 1,632 |
| Net interest margin | 3.8911% | 2,211 |
| Noninterest income to average assets | 0.4723% | 3,692 |
| Noninterest expense to average assets | 2.5554% | 4,396 |
| Loan and lease loss provision to assets | 0.0909% | 2,505 |
| Net operating income to assets | 1.1215% | 1,853 |
| Return on assets (ROA) | 1.1350% | 1,888 |
| Pretax return on assets | 1.4694% | 1,635 |
| Return on Equity (ROE) | 11.9134% | 1,452 |
| Retained earnings to average equity (ytd only) | 7.7132% | 1,427 |
| Net charge-offs to loans | 0.0979% | 2,698 |
| Credit loss provision to net charge-offs | 138.2488% | 1,535 |
| Earnings coverage of net charge-offs (x) | 23.4516% | 1,470 |
| Efficiency ratio | 62.3539% | 4,959 |
| Assets per employee ($millions) | 5.0455% | 2,153 |
| Cash dividends to net income (ytd only)* | 35.2564% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 2,529 |
| Loan loss allowance to noncurrent loans | 70.0639% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 1.7788% | 1,822 |
| Noncurrent loans to loans | 2.2606% | 1,443 |
| Net loans and leases to total assets | 66.5127% | 2,670 |
| Net loans and leases to deposits | 75.1009% | 3,179 |
| Net loans and leases to core deposits | 78.3058% | 3,401 |
| Total domestic deposits to total assets | 88.5645% | 1,600 |
| Equity capital to assets | 9.8298% | 4,311 |
| Core capital (leverage) ratio | 9.0505% | 4,944 |
| Tier 1 risk-based capital ratio | 12.8428% | 5,012 |
| Total risk-based capital ratio | 14.0922% | 4,949 |
| Memoranda: | ||
| Average total assets | $659,712,000 | 1,024 |
| Average earning assets | $614,732,000 | 1,008 |
| Average equity | $62,853,670 | 1,161 |
| Average total loans | $443,177,330 | 992 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 1,546 |
| Cost of funding earning assets | 0.6420% | 1,637 |
| Net interest margin | 3.9410% | 1,952 |
| Noninterest income to average assets | 0.4417% | 3,853 |
| Noninterest expense to average assets | 2.4710% | 4,710 |
| Loan and lease loss provision to assets | 0.1097% | 2,105 |
| Net operating income to assets | 1.1695% | 1,569 |
| Return on assets (ROA) | 1.1667% | 1,646 |
| Pretax return on assets | 1.5188% | 1,378 |
| Return on Equity (ROE) | 12.4458% | 1,299 |
| Retained earnings to average equity (ytd only) | 8.7413% | 1,332 |
| Net charge-offs to loans | 0.1919% | 1,582 |
| Credit loss provision to net charge-offs | 85.3081% | 1,845 |
| Earnings coverage of net charge-offs (x) | 12.6967% | 1,703 |
| Efficiency ratio | 60.2227% | 5,369 |
| Assets per employee ($millions) | 5.7092% | 1,531 |
| Cash dividends to net income (ytd only)* | 29.7650% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 2,789 |
| Loan loss allowance to noncurrent loans | 69.4623% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 1.8004% | 1,947 |
| Noncurrent loans to loans | 2.2760% | 1,575 |
| Net loans and leases to total assets | 65.3764% | 2,659 |
| Net loans and leases to deposits | 73.2958% | 3,154 |
| Net loans and leases to core deposits | 77.3237% | 3,273 |
| Total domestic deposits to total assets | 89.1953% | 1,531 |
| Equity capital to assets | 9.4529% | 4,558 |
| Core capital (leverage) ratio | 9.0561% | 4,926 |
| Tier 1 risk-based capital ratio | 12.8077% | 5,115 |
| Total risk-based capital ratio | 14.0273% | 5,077 |
| Memoranda: | ||
| Average total assets | $656,565,500 | 1,036 |
| Average earning assets | $609,995,000 | 1,025 |
| Average equity | $61,547,000 | 1,179 |
| Average total loans | $439,712,500 | 1,005 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5222% | 2,123 |
| Cost of funding earning assets | 0.8123% | 1,147 |
| Net interest margin | 3.7100% | 3,013 |
| Noninterest income to average assets | 0.5805% | 3,208 |
| Noninterest expense to average assets | 2.4814% | 4,828 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2206% | 1,487 |
| Return on assets (ROA) | 1.2220% | 1,547 |
| Pretax return on assets | 1.5740% | 1,234 |
| Return on Equity (ROE) | 14.4016% | 871 |
| Retained earnings to average equity (ytd only) | 9.9318% | 571 |
| Net charge-offs to loans | 0.1785% | 3,040 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 14.3046% | 1,953 |
| Efficiency ratio | 61.2140% | 5,328 |
| Assets per employee ($millions) | 4.9703% | 2,215 |
| Cash dividends to net income (ytd only)* | 31.0364% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 4,041 |
| Loan loss allowance to noncurrent loans | 74.9387% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4260% | 2,610 |
| Noncurrent loans to loans | 1.7617% | 2,287 |
| Net loans and leases to total assets | 65.1054% | 2,843 |
| Net loans and leases to deposits | 73.0855% | 3,388 |
| Net loans and leases to core deposits | 74.8736% | 3,750 |
| Total domestic deposits to total assets | 89.0811% | 1,569 |
| Equity capital to assets | 8.6674% | 5,406 |
| Core capital (leverage) ratio | 8.5094% | 5,660 |
| Tier 1 risk-based capital ratio | 12.5201% | 5,272 |
| Total risk-based capital ratio | 13.7653% | 5,234 |
| Memoranda: | ||
| Average total assets | $579,546,200 | 1,150 |
| Average earning assets | $542,564,800 | 1,114 |
| Average equity | $49,175,200 | 1,436 |
| Average total loans | $356,803,800 | 1,200 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 2,275 |
| Cost of funding earning assets | 0.8406% | 1,092 |
| Net interest margin | 3.6486% | 3,237 |
| Noninterest income to average assets | 0.5723% | 3,317 |
| Noninterest expense to average assets | 2.3346% | 5,231 |
| Loan and lease loss provision to assets | 0.1530% | 2,354 |
| Net operating income to assets | 1.1657% | 1,756 |
| Return on assets (ROA) | 1.1967% | 1,720 |
| Pretax return on assets | 1.5403% | 1,496 |
| Return on Equity (ROE) | 14.1771% | 959 |
| Retained earnings to average equity (ytd only) | 9.7606% | 839 |
| Net charge-offs to loans | 0.1883% | 2,715 |
| Credit loss provision to net charge-offs | 134.2685% | 1,755 |
| Earnings coverage of net charge-offs (x) | 14.5150% | 1,939 |
| Efficiency ratio | 58.5380% | 5,619 |
| Assets per employee ($millions) | 5.1471% | 1,995 |
| Cash dividends to net income (ytd only)* | 31.1522% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 3,009 |
| Loan loss allowance to noncurrent loans | 71.9515% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.6188% | 2,526 |
| Noncurrent loans to loans | 2.2200% | 1,993 |
| Net loans and leases to total assets | 60.9131% | 3,540 |
| Net loans and leases to deposits | 68.4726% | 4,007 |
| Net loans and leases to core deposits | 70.9374% | 4,219 |
| Total domestic deposits to total assets | 88.9598% | 1,574 |
| Equity capital to assets | 8.2954% | 5,921 |
| Core capital (leverage) ratio | 8.2028% | 6,056 |
| Tier 1 risk-based capital ratio | 12.5490% | 5,428 |
| Total risk-based capital ratio | 13.8022% | 5,372 |
| Memoranda: | ||
| Average total assets | $584,022,000 | 1,152 |
| Average earning assets | $546,757,250 | 1,116 |
| Average equity | $49,299,000 | 1,444 |
| Average total loans | $353,366,750 | 1,209 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 2,445 |
| Cost of funding earning assets | 0.8547% | 1,119 |
| Net interest margin | 3.5789% | 3,455 |
| Noninterest income to average assets | 0.5558% | 3,462 |
| Noninterest expense to average assets | 2.2713% | 5,442 |
| Loan and lease loss provision to assets | 0.2046% | 1,850 |
| Net operating income to assets | 1.1089% | 1,899 |
| Return on assets (ROA) | 1.1546% | 1,841 |
| Pretax return on assets | 1.4904% | 1,643 |
| Return on Equity (ROE) | 13.6007% | 1,103 |
| Retained earnings to average equity (ytd only) | 9.3108% | 1,024 |
| Net charge-offs to loans | 0.2561% | 2,185 |
| Credit loss provision to net charge-offs | 133.0377% | 1,710 |
| Earnings coverage of net charge-offs (x) | 10.6364% | 2,138 |
| Efficiency ratio | 58.1341% | 5,716 |
| Assets per employee ($millions) | 5.3991% | 1,693 |
| Cash dividends to net income (ytd only)* | 31.5416% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6156% | 3,096 |
| Loan loss allowance to noncurrent loans | 71.7100% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.6245% | 2,671 |
| Noncurrent loans to loans | 2.2529% | 2,114 |
| Net loans and leases to total assets | 59.8539% | 3,682 |
| Net loans and leases to deposits | 66.4558% | 4,205 |
| Net loans and leases to core deposits | 68.9472% | 4,399 |
| Total domestic deposits to total assets | 90.0657% | 989 |
| Equity capital to assets | 8.2859% | 5,983 |
| Core capital (leverage) ratio | 7.8566% | 6,275 |
| Tier 1 risk-based capital ratio | 12.2742% | 5,642 |
| Total risk-based capital ratio | 13.5157% | 5,593 |
| Memoranda: | ||
| Average total assets | $586,537,000 | 1,146 |
| Average earning assets | $549,221,330 | 1,111 |
| Average equity | $49,791,670 | 1,439 |
| Average total loans | $352,205,670 | 1,208 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 2,435 |
| Cost of funding earning assets | 0.8706% | 1,141 |
| Net interest margin | 3.5562% | 3,452 |
| Noninterest income to average assets | 0.4934% | 3,815 |
| Noninterest expense to average assets | 2.2547% | 5,557 |
| Loan and lease loss provision to assets | 0.2031% | 1,826 |
| Net operating income to assets | 1.0501% | 2,036 |
| Return on assets (ROA) | 1.1622% | 1,741 |
| Pretax return on assets | 1.5074% | 1,537 |
| Return on Equity (ROE) | 13.5321% | 1,049 |
| Retained earnings to average equity (ytd only) | 9.5678% | 1,224 |
| Net charge-offs to loans | 0.3608% | 1,555 |
| Credit loss provision to net charge-offs | 94.3396% | 1,948 |
| Earnings coverage of net charge-offs (x) | 7.2704% | 2,095 |
| Efficiency ratio | 59.0289% | 5,715 |
| Assets per employee ($millions) | 5.5595% | 1,615 |
| Cash dividends to net income (ytd only)* | 29.2953% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 3,554 |
| Loan loss allowance to noncurrent loans | 66.5741% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.5790% | 2,891 |
| Noncurrent loans to loans | 2.3495% | 2,217 |
| Net loans and leases to total assets | 58.8521% | 3,639 |
| Net loans and leases to deposits | 65.5195% | 4,119 |
| Net loans and leases to core deposits | 67.6881% | 4,342 |
| Total domestic deposits to total assets | 89.8238% | 1,151 |
| Equity capital to assets | 8.6243% | 5,887 |
| Core capital (leverage) ratio | 7.6449% | 6,391 |
| Tier 1 risk-based capital ratio | 12.2225% | 5,774 |
| Total risk-based capital ratio | 13.4694% | 5,736 |
| Memoranda: | ||
| Average total assets | $590,953,000 | 1,148 |
| Average earning assets | $552,728,000 | 1,114 |
| Average equity | $50,753,500 | 1,431 |
| Average total loans | $352,580,000 | 1,207 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6561% | 2,774 |
| Cost of funding earning assets | 0.9800% | 1,470 |
| Net interest margin | 3.6762% | 3,757 |
| Noninterest income to average assets | 0.4957% | 3,931 |
| Noninterest expense to average assets | 2.2119% | 5,901 |
| Loan and lease loss provision to assets | 0.2674% | 2,506 |
| Net operating income to assets | 1.1341% | 1,825 |
| Return on assets (ROA) | 1.2043% | 1,754 |
| Pretax return on assets | 1.5527% | 1,508 |
| Return on Equity (ROE) | 14.6683% | 880 |
| Retained earnings to average equity (ytd only) | 9.7796% | 637 |
| Net charge-offs to loans | 0.2091% | 3,713 |
| Credit loss provision to net charge-offs | 210.5978% | 1,209 |
| Earnings coverage of net charge-offs (x) | 13.6277% | 1,806 |
| Efficiency ratio | 56.1127% | 6,044 |
| Assets per employee ($millions) | 5.4367% | 1,743 |
| Cash dividends to net income (ytd only)* | 33.3286% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 3,449 |
| Loan loss allowance to noncurrent loans | 55.0040% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 1.8567% | 2,626 |
| Noncurrent loans to loans | 2.8490% | 1,842 |
| Net loans and leases to total assets | 58.6063% | 3,864 |
| Net loans and leases to deposits | 65.3177% | 4,384 |
| Net loans and leases to core deposits | 66.5884% | 4,679 |
| Total domestic deposits to total assets | 89.7249% | 1,109 |
| Equity capital to assets | 8.5527% | 6,007 |
| Core capital (leverage) ratio | 7.3247% | 6,577 |
| Tier 1 risk-based capital ratio | 12.0389% | 5,763 |
| Total risk-based capital ratio | 13.2866% | 5,717 |
| Memoranda: | ||
| Average total assets | $579,762,400 | 1,142 |
| Average earning assets | $543,496,600 | 1,112 |
| Average equity | $47,599,200 | 1,470 |
| Average total loans | $352,003,000 | 1,189 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7328% | 2,659 |
| Cost of funding earning assets | 0.9971% | 1,576 |
| Net interest margin | 3.7357% | 3,630 |
| Noninterest income to average assets | 0.5162% | 3,822 |
| Noninterest expense to average assets | 2.2735% | 5,761 |
| Loan and lease loss provision to assets | 0.1850% | 3,273 |
| Net operating income to assets | 1.2051% | 1,719 |
| Return on assets (ROA) | 1.2848% | 1,625 |
| Pretax return on assets | 1.6710% | 1,359 |
| Return on Equity (ROE) | 15.8191% | 767 |
| Retained earnings to average equity (ytd only) | 10.6685% | 744 |
| Net charge-offs to loans | 0.1895% | 3,601 |
| Credit loss provision to net charge-offs | 160.0000% | 1,745 |
| Earnings coverage of net charge-offs (x) | 15.1560% | 1,784 |
| Efficiency ratio | 56.4708% | 5,997 |
| Assets per employee ($millions) | 5.8489% | 1,339 |
| Cash dividends to net income (ytd only)* | 32.5594% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 4,272 |
| Loan loss allowance to noncurrent loans | 47.3605% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 1.9956% | 2,643 |
| Noncurrent loans to loans | 3.0039% | 1,860 |
| Net loans and leases to total assets | 59.4105% | 3,890 |
| Net loans and leases to deposits | 66.3867% | 4,423 |
| Net loans and leases to core deposits | 68.4974% | 4,675 |
| Total domestic deposits to total assets | 89.4916% | 1,132 |
| Equity capital to assets | 8.5951% | 6,175 |
| Core capital (leverage) ratio | 7.3847% | 6,679 |
| Tier 1 risk-based capital ratio | 11.6183% | 6,161 |
| Total risk-based capital ratio | 12.8708% | 6,128 |
| Memoranda: | ||
| Average total assets | $576,553,750 | 1,164 |
| Average earning assets | $541,679,500 | 1,132 |
| Average equity | $46,828,250 | 1,507 |
| Average total loans | $351,796,750 | 1,190 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 2,772 |
| Cost of funding earning assets | 1.0111% | 1,699 |
| Net interest margin | 3.7251% | 3,702 |
| Noninterest income to average assets | 0.5218% | 3,776 |
| Noninterest expense to average assets | 2.2469% | 5,883 |
| Loan and lease loss provision to assets | 0.2789% | 2,354 |
| Net operating income to assets | 1.1538% | 1,869 |
| Return on assets (ROA) | 1.2332% | 1,792 |
| Pretax return on assets | 1.6114% | 1,512 |
| Return on Equity (ROE) | 15.4903% | 855 |
| Retained earnings to average equity (ytd only) | 10.2714% | 895 |
| Net charge-offs to loans | 0.0353% | 4,893 |
| Credit loss provision to net charge-offs | 1,290.3226% | 250 |
| Earnings coverage of net charge-offs (x) | 82.6935% | 496 |
| Efficiency ratio | 55.6986% | 6,148 |
| Assets per employee ($millions) | 5.7623% | 1,405 |
| Cash dividends to net income (ytd only)* | 33.6914% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 3,827 |
| Loan loss allowance to noncurrent loans | 46.5989% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 2.2582% | 2,475 |
| Noncurrent loans to loans | 3.3016% | 1,769 |
| Net loans and leases to total assets | 61.1740% | 3,592 |
| Net loans and leases to deposits | 68.1709% | 4,168 |
| Net loans and leases to core deposits | 69.3080% | 4,625 |
| Total domestic deposits to total assets | 89.7363% | 1,086 |
| Equity capital to assets | 8.3160% | 6,367 |
| Core capital (leverage) ratio | 6.9973% | 6,821 |
| Tier 1 risk-based capital ratio | 11.0802% | 6,461 |
| Total risk-based capital ratio | 12.3335% | 6,426 |
| Memoranda: | ||
| Average total assets | $573,774,000 | 1,172 |
| Average earning assets | $540,975,000 | 1,133 |
| Average equity | $45,680,330 | 1,524 |
| Average total loans | $351,561,330 | 1,193 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7310% | 2,926 |
| Cost of funding earning assets | 1.0292% | 1,818 |
| Net interest margin | 3.7019% | 3,822 |
| Noninterest income to average assets | 0.5102% | 3,845 |
| Noninterest expense to average assets | 2.2230% | 5,986 |
| Loan and lease loss provision to assets | 0.3128% | 2,004 |
| Net operating income to assets | 1.1283% | 1,956 |
| Return on assets (ROA) | 1.1331% | 2,129 |
| Pretax return on assets | 1.4737% | 1,948 |
| Return on Equity (ROE) | 14.5534% | 1,069 |
| Retained earnings to average equity (ytd only) | 9.4195% | 1,437 |
| Net charge-offs to loans | 0.1108% | 3,465 |
| Credit loss provision to net charge-offs | 463.9175% | 697 |
| Earnings coverage of net charge-offs (x) | 26.4021% | 1,004 |
| Efficiency ratio | 55.5305% | 6,174 |
| Assets per employee ($millions) | 5.8120% | 1,422 |
| Cash dividends to net income (ytd only)* | 35.2761% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 4,419 |
| Loan loss allowance to noncurrent loans | 40.4760% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 2.4237% | 2,438 |
| Noncurrent loans to loans | 3.5580% | 1,745 |
| Net loans and leases to total assets | 60.2805% | 3,603 |
| Net loans and leases to deposits | 66.7872% | 4,262 |
| Net loans and leases to core deposits | 68.8479% | 4,583 |
| Total domestic deposits to total assets | 90.2576% | 941 |
| Equity capital to assets | 7.8545% | 6,609 |
| Core capital (leverage) ratio | 6.8111% | 6,904 |
| Tier 1 risk-based capital ratio | 10.7110% | 6,666 |
| Total risk-based capital ratio | 11.9630% | 6,651 |
| Memoranda: | ||
| Average total assets | $575,428,000 | 1,171 |
| Average earning assets | $542,969,500 | 1,123 |
| Average equity | $44,800,500 | 1,545 |
| Average total loans | $350,127,000 | 1,201 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9410% | 3,151 |
| Cost of funding earning assets | 1.3139% | 1,418 |
| Net interest margin | 3.6271% | 4,625 |
| Noninterest income to average assets | 0.4384% | 4,309 |
| Noninterest expense to average assets | 2.2396% | 6,187 |
| Loan and lease loss provision to assets | 0.3319% | 3,033 |
| Net operating income to assets | 1.0225% | 2,113 |
| Return on assets (ROA) | 1.0254% | 2,254 |
| Pretax return on assets | 1.2841% | 2,194 |
| Return on Equity (ROE) | 14.3534% | 858 |
| Retained earnings to average equity (ytd only) | 8.4311% | 943 |
| Net charge-offs to loans | 0.3800% | 3,511 |
| Credit loss provision to net charge-offs | 149.2478% | 1,900 |
| Earnings coverage of net charge-offs (x) | 7.2502% | 2,366 |
| Efficiency ratio | 58.1433% | 6,036 |
| Assets per employee ($millions) | 5.6418% | 1,491 |
| Cash dividends to net income (ytd only)* | 41.2603% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 4,651 |
| Loan loss allowance to noncurrent loans | 39.6552% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 2.3261% | 2,597 |
| Noncurrent loans to loans | 3.4134% | 1,890 |
| Net loans and leases to total assets | 59.7121% | 4,043 |
| Net loans and leases to deposits | 66.1475% | 4,709 |
| Net loans and leases to core deposits | 68.2515% | 4,996 |
| Total domestic deposits to total assets | 90.2712% | 839 |
| Equity capital to assets | 7.7167% | 6,721 |
| Core capital (leverage) ratio | 6.5510% | 6,971 |
| Tier 1 risk-based capital ratio | 10.4991% | 6,682 |
| Total risk-based capital ratio | 11.7500% | 6,663 |
| Memoranda: | ||
| Average total assets | $567,964,600 | 1,163 |
| Average earning assets | $534,502,000 | 1,122 |
| Average equity | $40,575,800 | 1,660 |
| Average total loans | $332,337,000 | 1,278 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 3,301 |
| Cost of funding earning assets | 1.3867% | 1,287 |
| Net interest margin | 3.5702% | 4,901 |
| Noninterest income to average assets | 0.4835% | 4,010 |
| Noninterest expense to average assets | 2.2912% | 6,062 |
| Loan and lease loss provision to assets | 0.3380% | 2,853 |
| Net operating income to assets | 0.9721% | 2,427 |
| Return on assets (ROA) | 0.9760% | 2,574 |
| Pretax return on assets | 1.2163% | 2,577 |
| Return on Equity (ROE) | 13.9462% | 1,045 |
| Retained earnings to average equity (ytd only) | 7.8885% | 1,545 |
| Net charge-offs to loans | 0.3545% | 3,321 |
| Credit loss provision to net charge-offs | 164.3757% | 1,857 |
| Earnings coverage of net charge-offs (x) | 7.5349% | 2,347 |
| Efficiency ratio | 59.6590% | 5,774 |
| Assets per employee ($millions) | 5.7424% | 1,399 |
| Cash dividends to net income (ytd only)* | 43.4363% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 4,625 |
| Loan loss allowance to noncurrent loans | 36.7229% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 2.4069% | 2,676 |
| Noncurrent loans to loans | 3.7706% | 1,800 |
| Net loans and leases to total assets | 56.6004% | 4,744 |
| Net loans and leases to deposits | 62.5420% | 5,337 |
| Net loans and leases to core deposits | 64.4180% | 5,570 |
| Total domestic deposits to total assets | 90.4998% | 637 |
| Equity capital to assets | 7.4259% | 6,947 |
| Core capital (leverage) ratio | 6.3660% | 7,093 |
| Tier 1 risk-based capital ratio | 10.4217% | 6,811 |
| Total risk-based capital ratio | 11.6727% | 6,792 |
| Memoranda: | ||
| Average total assets | $566,089,250 | 1,179 |
| Average earning assets | $532,286,750 | 1,135 |
| Average equity | $39,618,000 | 1,706 |
| Average total loans | $328,336,750 | 1,298 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9719% | 3,301 |
| Cost of funding earning assets | 1.4448% | 1,211 |
| Net interest margin | 3.5272% | 5,029 |
| Noninterest income to average assets | 0.4868% | 3,962 |
| Noninterest expense to average assets | 2.3516% | 5,992 |
| Loan and lease loss provision to assets | 0.3521% | 2,675 |
| Net operating income to assets | 0.9017% | 2,628 |
| Return on assets (ROA) | 0.9061% | 2,716 |
| Pretax return on assets | 1.1063% | 2,828 |
| Return on Equity (ROE) | 13.2287% | 1,151 |
| Retained earnings to average equity (ytd only) | 6.9823% | 1,887 |
| Net charge-offs to loans | 0.3457% | 3,173 |
| Credit loss provision to net charge-offs | 174.9556% | 1,725 |
| Earnings coverage of net charge-offs (x) | 7.2202% | 2,255 |
| Efficiency ratio | 61.8095% | 5,612 |
| Assets per employee ($millions) | 5.5885% | 1,490 |
| Cash dividends to net income (ytd only)* | 47.2189% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 4,812 |
| Loan loss allowance to noncurrent loans | 31.5624% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 2.6865% | 2,488 |
| Noncurrent loans to loans | 4.2902% | 1,574 |
| Net loans and leases to total assets | 57.7028% | 4,685 |
| Net loans and leases to deposits | 63.8364% | 5,294 |
| Net loans and leases to core deposits | 65.8607% | 5,532 |
| Total domestic deposits to total assets | 90.3917% | 762 |
| Equity capital to assets | 7.1153% | 7,076 |
| Core capital (leverage) ratio | 6.3410% | 7,150 |
| Tier 1 risk-based capital ratio | 9.9057% | 7,006 |
| Total risk-based capital ratio | 11.1558% | 7,005 |
| Memoranda: | ||
| Average total assets | $559,545,000 | 1,200 |
| Average earning assets | $526,316,000 | 1,158 |
| Average equity | $38,325,670 | 1,750 |
| Average total loans | $325,723,670 | 1,323 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9779% | 3,204 |
| Cost of funding earning assets | 1.4614% | 1,326 |
| Net interest margin | 3.5165% | 4,934 |
| Noninterest income to average assets | 0.4979% | 3,907 |
| Noninterest expense to average assets | 2.3106% | 6,162 |
| Loan and lease loss provision to assets | 0.3969% | 2,208 |
| Net operating income to assets | 0.9033% | 2,548 |
| Return on assets (ROA) | 0.9121% | 2,564 |
| Pretax return on assets | 1.1142% | 2,705 |
| Return on Equity (ROE) | 13.5881% | 1,068 |
| Retained earnings to average equity (ytd only) | 7.2133% | 2,061 |
| Net charge-offs to loans | 0.4623% | 2,309 |
| Credit loss provision to net charge-offs | 147.8495% | 1,930 |
| Earnings coverage of net charge-offs (x) | 5.5887% | 2,250 |
| Efficiency ratio | 60.6325% | 5,883 |
| Assets per employee ($millions) | 5.5900% | 1,498 |
| Cash dividends to net income (ytd only)* | 46.9146% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 5,042 |
| Loan loss allowance to noncurrent loans | 39.9682% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 2.0345% | 3,275 |
| Noncurrent loans to loans | 3.2992% | 2,281 |
| Net loans and leases to total assets | 57.1777% | 4,770 |
| Net loans and leases to deposits | 62.7628% | 5,415 |
| Net loans and leases to core deposits | 64.6985% | 5,655 |
| Total domestic deposits to total assets | 91.1012% | 578 |
| Equity capital to assets | 6.7172% | 7,159 |
| Core capital (leverage) ratio | 6.3828% | 7,194 |
| Tier 1 risk-based capital ratio | 10.1915% | 6,930 |
| Total risk-based capital ratio | 11.4381% | 6,932 |
| Memoranda: | ||
| Average total assets | $554,303,500 | 1,218 |
| Average earning assets | $522,227,500 | 1,175 |
| Average equity | $37,209,000 | 1,792 |
| Average total loans | $321,867,000 | 1,358 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1719% | 3,741 |
| Cost of funding earning assets | 1.8205% | 1,096 |
| Net interest margin | 3.3513% | 5,786 |
| Noninterest income to average assets | 0.5115% | 4,082 |
| Noninterest expense to average assets | 2.1974% | 6,623 |
| Loan and lease loss provision to assets | 0.3685% | 3,912 |
| Net operating income to assets | 0.8806% | 2,465 |
| Return on assets (ROA) | 0.8821% | 2,597 |
| Pretax return on assets | 1.0939% | 2,599 |
| Return on Equity (ROE) | 12.6248% | 1,189 |
| Retained earnings to average equity (ytd only) | 7.0219% | 1,310 |
| Net charge-offs to loans | 0.3375% | 4,323 |
| Credit loss provision to net charge-offs | 185.6459% | 1,770 |
| Earnings coverage of net charge-offs (x) | 7.3579% | 2,148 |
| Efficiency ratio | 60.0717% | 6,033 |
| Assets per employee ($millions) | 5.6661% | 1,449 |
| Cash dividends to net income (ytd only)* | 44.3798% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 5,110 |
| Loan loss allowance to noncurrent loans | 27.5123% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 2.8144% | 2,493 |
| Noncurrent loans to loans | 4.6514% | 1,502 |
| Net loans and leases to total assets | 57.4496% | 5,117 |
| Net loans and leases to deposits | 62.9261% | 5,752 |
| Net loans and leases to core deposits | 65.1199% | 5,964 |
| Total domestic deposits to total assets | 91.2969% | 461 |
| Equity capital to assets | 6.7082% | 7,204 |
| Core capital (leverage) ratio | 6.1187% | 7,278 |
| Tier 1 risk-based capital ratio | 10.2653% | 6,839 |
| Total risk-based capital ratio | 11.4923% | 6,828 |
| Memoranda: | ||
| Average total assets | $526,451,400 | 1,269 |
| Average earning assets | $494,249,200 | 1,247 |
| Average equity | $36,784,800 | 1,801 |
| Average total loans | $309,584,800 | 1,447 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1823% | 3,927 |
| Cost of funding earning assets | 1.8839% | 1,077 |
| Net interest margin | 3.2984% | 6,022 |
| Noninterest income to average assets | 0.5091% | 4,105 |
| Noninterest expense to average assets | 2.1802% | 6,660 |
| Loan and lease loss provision to assets | 0.2958% | 4,211 |
| Net operating income to assets | 0.9100% | 2,567 |
| Return on assets (ROA) | 0.9193% | 2,676 |
| Pretax return on assets | 1.1365% | 2,710 |
| Return on Equity (ROE) | 13.0198% | 1,243 |
| Retained earnings to average equity (ytd only) | 6.5788% | 2,053 |
| Net charge-offs to loans | 0.2241% | 4,594 |
| Credit loss provision to net charge-offs | 223.8372% | 1,545 |
| Earnings coverage of net charge-offs (x) | 10.7520% | 1,857 |
| Efficiency ratio | 60.5462% | 5,864 |
| Assets per employee ($millions) | 6.1191% | 1,164 |
| Cash dividends to net income (ytd only)* | 49.4707% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 5,350 |
| Loan loss allowance to noncurrent loans | 24.9383% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 2.8613% | 2,537 |
| Noncurrent loans to loans | 4.9265% | 1,419 |
| Net loans and leases to total assets | 55.3973% | 5,634 |
| Net loans and leases to deposits | 61.4028% | 6,178 |
| Net loans and leases to core deposits | 63.5479% | 6,333 |
| Total domestic deposits to total assets | 90.2196% | 767 |
| Equity capital to assets | 7.1832% | 7,277 |
| Core capital (leverage) ratio | 6.1676% | 7,412 |
| Tier 1 risk-based capital ratio | 10.1060% | 7,010 |
| Total risk-based capital ratio | 11.2647% | 7,048 |
| Memoranda: | ||
| Average total assets | $520,662,000 | 1,293 |
| Average earning assets | $488,057,500 | 1,275 |
| Average equity | $36,763,750 | 1,819 |
| Average total loans | $307,020,750 | 1,480 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2546% | 3,687 |
| Cost of funding earning assets | 1.9519% | 1,035 |
| Net interest margin | 3.3027% | 6,008 |
| Noninterest income to average assets | 0.5049% | 4,076 |
| Noninterest expense to average assets | 2.2646% | 6,459 |
| Loan and lease loss provision to assets | 0.2733% | 4,202 |
| Net operating income to assets | 0.8611% | 2,690 |
| Return on assets (ROA) | 0.8698% | 2,792 |
| Pretax return on assets | 1.0649% | 2,888 |
| Return on Equity (ROE) | 12.3973% | 1,365 |
| Retained earnings to average equity (ytd only) | 5.3692% | 2,689 |
| Net charge-offs to loans | 0.0249% | 5,988 |
| Credit loss provision to net charge-offs | 1,828.9474% | 222 |
| Earnings coverage of net charge-offs (x) | 88.8421% | 369 |
| Efficiency ratio | 63.0432% | 5,511 |
| Assets per employee ($millions) | 5.8124% | 1,364 |
| Cash dividends to net income (ytd only)* | 56.6908% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 5,210 |
| Loan loss allowance to noncurrent loans | 25.6504% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 2.9284% | 2,455 |
| Noncurrent loans to loans | 4.8554% | 1,447 |
| Net loans and leases to total assets | 57.7923% | 5,448 |
| Net loans and leases to deposits | 64.2476% | 6,010 |
| Net loans and leases to core deposits | 66.7065% | 6,188 |
| Total domestic deposits to total assets | 89.9525% | 938 |
| Equity capital to assets | 7.0435% | 7,332 |
| Core capital (leverage) ratio | 6.2478% | 7,441 |
| Tier 1 risk-based capital ratio | 10.1007% | 6,974 |
| Total risk-based capital ratio | 11.2949% | 6,980 |
| Memoranda: | ||
| Average total assets | $508,603,000 | 1,334 |
| Average earning assets | $475,427,670 | 1,308 |
| Average equity | $35,685,330 | 1,870 |
| Average total loans | $305,257,330 | 1,502 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2116% | 3,958 |
| Cost of funding earning assets | 2.0466% | 952 |
| Net interest margin | 3.1650% | 6,405 |
| Noninterest income to average assets | 0.4783% | 4,213 |
| Noninterest expense to average assets | 2.2984% | 6,381 |
| Loan and lease loss provision to assets | 0.2167% | 4,335 |
| Net operating income to assets | 0.7651% | 3,136 |
| Return on assets (ROA) | 0.7712% | 3,219 |
| Pretax return on assets | 0.9205% | 3,385 |
| Return on Equity (ROE) | 11.0142% | 1,787 |
| Retained earnings to average equity (ytd only) | 3.8280% | 3,841 |
| Net charge-offs to loans | 0.0620% | 4,797 |
| Credit loss provision to net charge-offs | 574.4681% | 753 |
| Earnings coverage of net charge-offs (x) | 29.9574% | 874 |
| Efficiency ratio | 67.0412% | 4,908 |
| Assets per employee ($millions) | 5.6626% | 1,529 |
| Cash dividends to net income (ytd only)* | 65.2445% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 5,926 |
| Loan loss allowance to noncurrent loans | 25.5186% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 2.6899% | 2,709 |
| Noncurrent loans to loans | 4.3816% | 1,721 |
| Net loans and leases to total assets | 58.6950% | 5,320 |
| Net loans and leases to deposits | 65.1196% | 5,923 |
| Net loans and leases to core deposits | 67.8432% | 6,118 |
| Total domestic deposits to total assets | 90.1342% | 926 |
| Equity capital to assets | 6.8662% | 7,423 |
| Core capital (leverage) ratio | 6.4533% | 7,480 |
| Tier 1 risk-based capital ratio | 9.6340% | 7,236 |
| Total risk-based capital ratio | 10.6644% | 7,343 |
| Memoranda: | ||
| Average total assets | $498,442,000 | 1,394 |
| Average earning assets | $464,581,500 | 1,367 |
| Average equity | $34,900,500 | 1,929 |
| Average total loans | $303,119,500 | 1,552 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6915% | 3,146 |
| Cost of funding earning assets | 2.4414% | 1,183 |
| Net interest margin | 3.2501% | 5,932 |
| Noninterest income to average assets | 0.6752% | 3,115 |
| Noninterest expense to average assets | 2.4195% | 6,407 |
| Loan and lease loss provision to assets | 0.1727% | 5,969 |
| Net operating income to assets | 0.8819% | 2,236 |
| Return on assets (ROA) | 0.8793% | 2,311 |
| Pretax return on assets | 1.1032% | 2,245 |
| Return on Equity (ROE) | 11.4855% | 1,298 |
| Retained earnings to average equity (ytd only) | 4.8588% | 1,898 |
| Net charge-offs to loans | 0.1344% | 5,861 |
| Credit loss provision to net charge-offs | 194.0104% | 2,048 |
| Earnings coverage of net charge-offs (x) | 14.3724% | 1,372 |
| Efficiency ratio | 65.4155% | 5,510 |
| Assets per employee ($millions) | 5.0693% | 2,126 |
| Cash dividends to net income (ytd only)* | 57.6964% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 6,067 |
| Loan loss allowance to noncurrent loans | 28.1961% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 2.4785% | 2,814 |
| Noncurrent loans to loans | 3.7761% | 1,986 |
| Net loans and leases to total assets | 61.7059% | 5,053 |
| Net loans and leases to deposits | 69.1233% | 5,708 |
| Net loans and leases to core deposits | 81.5640% | 5,948 |
| Total domestic deposits to total assets | 89.2693% | 1,343 |
| Equity capital to assets | 7.1472% | 7,294 |
| Core capital (leverage) ratio | 6.7939% | 7,369 |
| Tier 1 risk-based capital ratio | 10.4140% | 6,485 |
| Total risk-based capital ratio | 11.4666% | 6,635 |
| Memoranda: | ||
| Average total assets | $431,456,800 | 1,604 |
| Average earning assets | $401,368,400 | 1,581 |
| Average equity | $33,033,000 | 2,028 |
| Average total loans | $285,709,400 | 1,677 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7936% | 2,925 |
| Cost of funding earning assets | 2.5290% | 1,209 |
| Net interest margin | 3.2646% | 5,775 |
| Noninterest income to average assets | 0.6782% | 3,167 |
| Noninterest expense to average assets | 2.4421% | 6,271 |
| Loan and lease loss provision to assets | 0.1496% | 5,855 |
| Net operating income to assets | 0.8918% | 2,447 |
| Return on assets (ROA) | 0.8918% | 2,526 |
| Pretax return on assets | 1.1232% | 2,493 |
| Return on Equity (ROE) | 11.4296% | 1,502 |
| Retained earnings to average equity (ytd only) | 5.0010% | 2,491 |
| Net charge-offs to loans | 0.1517% | 5,196 |
| Credit loss provision to net charge-offs | 146.4174% | 3,317 |
| Earnings coverage of net charge-offs (x) | 12.4579% | 1,758 |
| Efficiency ratio | 65.7385% | 5,415 |
| Assets per employee ($millions) | 4.7297% | 2,510 |
| Cash dividends to net income (ytd only)* | 56.2455% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 6,192 |
| Loan loss allowance to noncurrent loans | 29.1858% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 2.4101% | 2,854 |
| Noncurrent loans to loans | 3.4755% | 2,153 |
| Net loans and leases to total assets | 64.8505% | 4,684 |
| Net loans and leases to deposits | 73.7894% | 5,387 |
| Net loans and leases to core deposits | 88.9941% | 5,527 |
| Total domestic deposits to total assets | 87.8860% | 1,707 |
| Equity capital to assets | 7.7797% | 7,054 |
| Core capital (leverage) ratio | 7.3033% | 7,183 |
| Tier 1 risk-based capital ratio | 10.2702% | 6,714 |
| Total risk-based capital ratio | 11.2518% | 6,933 |
| Memoranda: | ||
| Average total assets | $418,924,000 | 1,667 |
| Average earning assets | $389,660,500 | 1,639 |
| Average equity | $32,686,250 | 2,067 |
| Average total loans | $282,045,250 | 1,728 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8491% | 2,811 |
| Cost of funding earning assets | 2.6348% | 1,197 |
| Net interest margin | 3.2143% | 5,862 |
| Noninterest income to average assets | 0.6747% | 3,157 |
| Noninterest expense to average assets | 2.5588% | 5,905 |
| Loan and lease loss provision to assets | 0.1419% | 5,650 |
| Net operating income to assets | 0.7823% | 2,922 |
| Return on assets (ROA) | 0.7823% | 3,016 |
| Pretax return on assets | 0.9565% | 3,159 |
| Return on Equity (ROE) | 10.0158% | 2,017 |
| Retained earnings to average equity (ytd only) | 3.4701% | 3,380 |
| Net charge-offs to loans | 0.1669% | 4,555 |
| Credit loss provision to net charge-offs | 125.0000% | 3,710 |
| Earnings coverage of net charge-offs (x) | 9.6767% | 2,092 |
| Efficiency ratio | 69.9666% | 4,791 |
| Assets per employee ($millions) | 4.6480% | 2,529 |
| Cash dividends to net income (ytd only)* | 65.3533% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 6,122 |
| Loan loss allowance to noncurrent loans | 30.4994% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 2.3274% | 2,793 |
| Noncurrent loans to loans | 3.3257% | 2,123 |
| Net loans and leases to total assets | 68.2952% | 4,109 |
| Net loans and leases to deposits | 78.2643% | 4,821 |
| Net loans and leases to core deposits | 93.5481% | 5,168 |
| Total domestic deposits to total assets | 87.2622% | 2,120 |
| Equity capital to assets | 7.8390% | 6,929 |
| Core capital (leverage) ratio | 7.5038% | 7,008 |
| Tier 1 risk-based capital ratio | 10.4251% | 6,450 |
| Total risk-based capital ratio | 11.4130% | 6,687 |
| Memoranda: | ||
| Average total assets | $408,790,670 | 1,718 |
| Average earning assets | $379,304,330 | 1,707 |
| Average equity | $31,929,670 | 2,117 |
| Average total loans | $277,935,330 | 1,783 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8355% | 3,113 |
| Cost of funding earning assets | 2.7328% | 1,162 |
| Net interest margin | 3.1027% | 6,189 |
| Noninterest income to average assets | 0.6713% | 3,061 |
| Noninterest expense to average assets | 2.4659% | 5,975 |
| Loan and lease loss provision to assets | 0.1280% | 5,320 |
| Net operating income to assets | 0.7836% | 3,198 |
| Return on assets (ROA) | 0.7836% | 3,365 |
| Pretax return on assets | 0.9509% | 3,531 |
| Return on Equity (ROE) | 10.0503% | 2,296 |
| Retained earnings to average equity (ytd only) | 3.2196% | 4,079 |
| Net charge-offs to loans | 0.0394% | 4,946 |
| Credit loss provision to net charge-offs | 481.4815% | 1,118 |
| Earnings coverage of net charge-offs (x) | 40.5926% | 839 |
| Efficiency ratio | 69.5640% | 4,667 |
| Assets per employee ($millions) | 4.5524% | 2,641 |
| Cash dividends to net income (ytd only)* | 67.9648% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 5,727 |
| Loan loss allowance to noncurrent loans | 37.4475% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 1.9626% | 2,960 |
| Noncurrent loans to loans | 2.8404% | 2,302 |
| Net loans and leases to total assets | 66.7440% | 4,399 |
| Net loans and leases to deposits | 76.5745% | 5,136 |
| Net loans and leases to core deposits | 91.6265% | 5,386 |
| Total domestic deposits to total assets | 87.1621% | 2,142 |
| Equity capital to assets | 7.7058% | 7,172 |
| Core capital (leverage) ratio | 7.6015% | 7,025 |
| Tier 1 risk-based capital ratio | 10.6820% | 6,206 |
| Total risk-based capital ratio | 11.7208% | 6,342 |
| Memoranda: | ||
| Average total assets | $406,348,500 | 1,735 |
| Average earning assets | $376,316,000 | 1,723 |
| Average equity | $31,680,500 | 2,136 |
| Average total loans | $274,195,500 | 1,802 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2278% | 4,370 |
| Cost of funding earning assets | 3.2769% | 986 |
| Net interest margin | 2.9509% | 7,027 |
| Noninterest income to average assets | 0.7193% | 2,995 |
| Noninterest expense to average assets | 2.2801% | 6,756 |
| Loan and lease loss provision to assets | 0.0931% | 6,200 |
| Net operating income to assets | 0.8792% | 3,097 |
| Return on assets (ROA) | 0.8073% | 3,248 |
| Pretax return on assets | 0.9847% | 3,431 |
| Return on Equity (ROE) | 10.2269% | 2,177 |
| Retained earnings to average equity (ytd only) | 3.1721% | 3,176 |
| Net charge-offs to loans | 0.1311% | 4,917 |
| Credit loss provision to net charge-offs | 103.9886% | 5,142 |
| Earnings coverage of net charge-offs (x) | 13.0228% | 2,180 |
| Efficiency ratio | 66.1733% | 5,095 |
| Assets per employee ($millions) | 4.5793% | 2,502 |
| Cash dividends to net income (ytd only)* | 68.9829% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 5,689 |
| Loan loss allowance to noncurrent loans | 46.0328% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 1.5765% | 3,085 |
| Noncurrent loans to loans | 2.2659% | 2,434 |
| Net loans and leases to total assets | 66.7906% | 4,685 |
| Net loans and leases to deposits | 77.2477% | 5,438 |
| Net loans and leases to core deposits | 93.0195% | 5,542 |
| Total domestic deposits to total assets | 86.4628% | 2,186 |
| Equity capital to assets | 7.8885% | 6,983 |
| Core capital (leverage) ratio | 7.6160% | 7,055 |
| Tier 1 risk-based capital ratio | 11.2966% | 5,446 |
| Total risk-based capital ratio | 12.3609% | 5,513 |
| Memoranda: | ||
| Average total assets | $392,181,200 | 1,727 |
| Average earning assets | $362,325,200 | 1,714 |
| Average equity | $30,957,600 | 2,174 |
| Average total loans | $267,826,600 | 1,784 |