Home > The Missouri Bank > Performance and Condition Ratios
The Missouri Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 3,183 |
| Cost of funding earning assets | 1.2324% | 2,721 |
| Net interest margin | 3.2219% | 2,824 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.0894% | 3,432 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.1941% | 1,663 |
| Return on assets (ROA) | 1.1985% | 1,633 |
| Pretax return on assets | 1.1985% | 2,145 |
| Return on Equity (ROE) | 12.0700% | 1,940 |
| Retained earnings to average equity (ytd only) | 6.0555% | 2,220 |
| Net charge-offs to loans | 0.0141% | 2,125 |
| Credit loss provision to net charge-offs | 400.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 145.2000% | 725 |
| Efficiency ratio | 62.9835% | 2,726 |
| Assets per employee ($millions) | 6.5107% | 2,410 |
| Cash dividends to net income (ytd only)* | 49.8185% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 1,865 |
| Loan loss allowance to noncurrent loans | 1,484.0000% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 3,136 |
| Noncurrent loans to loans | 0.0864% | 3,115 |
| Net loans and leases to total assets | 59.8300% | 2,858 |
| Net loans and leases to deposits | 66.8468% | 3,118 |
| Net loans and leases to core deposits | 68.5275% | 3,374 |
| Total domestic deposits to total assets | 89.5000% | 905 |
| Equity capital to assets | 10.3667% | 1,802 |
| Core capital (leverage) ratio | 12.1050% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $413,855,400 | 1,974 |
| Average earning assets | $382,914,000 | 1,970 |
| Average equity | $41,103,000 | 1,847 |
| Average total loans | $247,445,800 | 2,014 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 3,202 |
| Cost of funding earning assets | 1.1399% | 2,625 |
| Net interest margin | 3.2074% | 2,901 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.9501% | 3,715 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.3405% | 1,444 |
| Return on assets (ROA) | 1.3463% | 1,416 |
| Pretax return on assets | 1.3463% | 1,909 |
| Return on Equity (ROE) | 13.7100% | 1,732 |
| Retained earnings to average equity (ytd only) | 7.8025% | 2,038 |
| Net charge-offs to loans | 0.0098% | 2,036 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 233.9444% | 536 |
| Efficiency ratio | 58.7400% | 3,115 |
| Assets per employee ($millions) | 5.9400% | 2,808 |
| Cash dividends to net income (ytd only)* | 43.1022% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 1,647 |
| Loan loss allowance to noncurrent loans | 2,925.6637% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,381 |
| Noncurrent loans to loans | 0.0462% | 3,422 |
| Net loans and leases to total assets | 60.6300% | 2,783 |
| Net loans and leases to deposits | 67.3932% | 3,019 |
| Net loans and leases to core deposits | 68.8727% | 3,275 |
| Total domestic deposits to total assets | 89.9600% | 949 |
| Equity capital to assets | 9.9012% | 1,881 |
| Core capital (leverage) ratio | 12.2764% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $409,893,250 | 1,985 |
| Average earning assets | $379,202,000 | 1,979 |
| Average equity | $40,242,250 | 1,860 |
| Average total loans | $244,203,500 | 2,031 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 3,300 |
| Cost of funding earning assets | 1.0294% | 2,503 |
| Net interest margin | 3.1665% | 3,067 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 1.9630% | 3,680 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.3125% | 1,538 |
| Return on assets (ROA) | 1.3130% | 1,520 |
| Pretax return on assets | 1.3130% | 2,048 |
| Return on Equity (ROE) | 13.4100% | 1,814 |
| Retained earnings to average equity (ytd only) | 7.6454% | 2,088 |
| Net charge-offs to loans | 0.0016% | 2,332 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 1,388.0000% | 103 |
| Efficiency ratio | 59.4033% | 3,031 |
| Assets per employee ($millions) | 5.8041% | 2,879 |
| Cash dividends to net income (ytd only)* | 42.9886% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 1,811 |
| Loan loss allowance to noncurrent loans | 2,532.3077% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 3,318 |
| Noncurrent loans to loans | 0.0524% | 3,327 |
| Net loans and leases to total assets | 60.2300% | 2,748 |
| Net loans and leases to deposits | 67.0968% | 2,985 |
| Net loans and leases to core deposits | 68.3566% | 3,217 |
| Total domestic deposits to total assets | 89.7600% | 989 |
| Equity capital to assets | 10.1306% | 1,781 |
| Core capital (leverage) ratio | 11.9663% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $413,863,667 | 1,970 |
| Average earning assets | $382,946,000 | 1,970 |
| Average equity | $40,521,333 | 1,860 |
| Average total loans | $244,076,333 | 2,032 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 3,483 |
| Cost of funding earning assets | 0.8728% | 2,465 |
| Net interest margin | 3.1139% | 3,319 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 1.9145% | 3,823 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.3772% | 1,470 |
| Return on assets (ROA) | 1.3782% | 1,444 |
| Pretax return on assets | 1.3782% | 1,942 |
| Return on Equity (ROE) | 14.3200% | 1,707 |
| Retained earnings to average equity (ytd only) | 8.1885% | 2,168 |
| Net charge-offs to loans | -0.0132% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.6579% | 3,226 |
| Assets per employee ($millions) | 5.6411% | 3,080 |
| Cash dividends to net income (ytd only)* | 42.8075% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 1,886 |
| Loan loss allowance to noncurrent loans | 2,895.5752% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 3,380 |
| Noncurrent loans to loans | 0.0460% | 3,407 |
| Net loans and leases to total assets | 58.8300% | 2,780 |
| Net loans and leases to deposits | 65.4948% | 2,975 |
| Net loans and leases to core deposits | 66.7266% | 3,175 |
| Total domestic deposits to total assets | 89.8300% | 1,220 |
| Equity capital to assets | 10.0887% | 1,773 |
| Core capital (leverage) ratio | 11.7429% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $417,653,500 | 1,981 |
| Average earning assets | $386,786,000 | 1,980 |
| Average equity | $40,202,500 | 1,892 |
| Average total loans | $242,123,500 | 2,058 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3493% | 3,473 |
| Cost of funding earning assets | 0.3739% | 2,302 |
| Net interest margin | 2.9754% | 3,513 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.8939% | 3,838 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1768% | 1,871 |
| Return on assets (ROA) | 1.1768% | 1,807 |
| Pretax return on assets | 1.1585% | 2,578 |
| Return on Equity (ROE) | 12.3100% | 2,032 |
| Retained earnings to average equity (ytd only) | 7.2590% | 2,121 |
| Net charge-offs to loans | 0.0714% | 929 |
| Credit loss provision to net charge-offs | 24.3902% | 1,919 |
| Earnings coverage of net charge-offs (x) | 29.9573% | 1,685 |
| Efficiency ratio | 61.8526% | 2,783 |
| Assets per employee ($millions) | 6.0501% | 2,719 |
| Cash dividends to net income (ytd only)* | 41.0505% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 1,663 |
| Loan loss allowance to noncurrent loans | 2,546.4567% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 3,377 |
| Noncurrent loans to loans | 0.0532% | 3,371 |
| Net loans and leases to total assets | 55.6000% | 3,073 |
| Net loans and leases to deposits | 62.6477% | 3,141 |
| Net loans and leases to core deposits | 63.4332% | 3,296 |
| Total domestic deposits to total assets | 88.7500% | 1,796 |
| Equity capital to assets | 9.1757% | 2,244 |
| Core capital (leverage) ratio | 11.3355% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $420,616,600 | 1,950 |
| Average earning assets | $391,807,400 | 1,940 |
| Average equity | $40,198,400 | 1,912 |
| Average total loans | $229,617,200 | 2,058 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2340% | 3,350 |
| Cost of funding earning assets | 0.2890% | 2,287 |
| Net interest margin | 2.9450% | 3,373 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.8360% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2085% | 1,669 |
| Return on assets (ROA) | 1.2085% | 1,643 |
| Pretax return on assets | 1.1841% | 2,429 |
| Return on Equity (ROE) | 12.5200% | 1,867 |
| Retained earnings to average equity (ytd only) | 7.6512% | 2,132 |
| Net charge-offs to loans | 0.0856% | 701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 25.5411% | 1,603 |
| Efficiency ratio | 60.7928% | 3,013 |
| Assets per employee ($millions) | 5.6743% | 3,053 |
| Cash dividends to net income (ytd only)* | 38.8860% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 1,791 |
| Loan loss allowance to noncurrent loans | 2,141.3333% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,392 |
| Noncurrent loans to loans | 0.0632% | 3,427 |
| Net loans and leases to total assets | 57.3000% | 2,771 |
| Net loans and leases to deposits | 64.7061% | 2,808 |
| Net loans and leases to core deposits | 65.4828% | 2,988 |
| Total domestic deposits to total assets | 88.5500% | 2,256 |
| Equity capital to assets | 8.8343% | 2,328 |
| Core capital (leverage) ratio | 11.3511% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $419,893,250 | 1,967 |
| Average earning assets | $391,746,000 | 1,955 |
| Average equity | $40,533,000 | 1,927 |
| Average total loans | $227,347,500 | 2,066 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0582% | 3,410 |
| Cost of funding earning assets | 0.2489% | 2,286 |
| Net interest margin | 2.8093% | 3,425 |
| Noninterest income to average assets | 0.2620% | 3,601 |
| Noninterest expense to average assets | 1.7608% | 4,035 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1646% | 1,558 |
| Return on assets (ROA) | 1.1646% | 1,533 |
| Pretax return on assets | 1.1282% | 2,313 |
| Return on Equity (ROE) | 11.7440% | 1,744 |
| Retained earnings to average equity (ytd only) | 7.0788% | 1,959 |
| Net charge-offs to loans | 0.0714% | 735 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 29.8750% | 1,391 |
| Efficiency ratio | 60.9477% | 3,183 |
| Assets per employee ($millions) | 5.7317% | 2,997 |
| Cash dividends to net income (ytd only)* | 39.7244% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 1,654 |
| Loan loss allowance to noncurrent loans | 2,292.3077% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 3,511 |
| Noncurrent loans to loans | 0.0621% | 3,489 |
| Net loans and leases to total assets | 54.9650% | 2,866 |
| Net loans and leases to deposits | 62.0136% | 2,888 |
| Net loans and leases to core deposits | 62.8619% | 3,044 |
| Total domestic deposits to total assets | 88.6338% | 2,322 |
| Equity capital to assets | 9.3334% | 2,138 |
| Core capital (leverage) ratio | 11.1123% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $423,673,333 | 1,966 |
| Average earning assets | $396,186,333 | 1,955 |
| Average equity | $42,013,000 | 1,929 |
| Average total loans | $224,027,000 | 2,087 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9048% | 3,521 |
| Cost of funding earning assets | 0.2314% | 2,379 |
| Net interest margin | 2.6734% | 3,464 |
| Noninterest income to average assets | 0.2535% | 3,626 |
| Noninterest expense to average assets | 1.7485% | 4,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0858% | 1,561 |
| Return on assets (ROA) | 1.0858% | 1,559 |
| Pretax return on assets | 1.0140% | 2,392 |
| Return on Equity (ROE) | 10.6488% | 1,747 |
| Retained earnings to average equity (ytd only) | 6.2613% | 2,152 |
| Net charge-offs to loans | -0.0018% | 3,093 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2928% | 3,101 |
| Assets per employee ($millions) | 6.0272% | 2,786 |
| Cash dividends to net income (ytd only)* | 41.2017% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 1,492 |
| Loan loss allowance to noncurrent loans | 959.7143% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 3,129 |
| Noncurrent loans to loans | 0.1586% | 3,012 |
| Net loans and leases to total assets | 52.2671% | 2,961 |
| Net loans and leases to deposits | 59.4519% | 2,958 |
| Net loans and leases to core deposits | 60.3814% | 3,109 |
| Total domestic deposits to total assets | 87.9149% | 2,563 |
| Equity capital to assets | 10.0203% | 1,874 |
| Core capital (leverage) ratio | 10.7051% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $429,170,500 | 1,951 |
| Average earning assets | $402,783,500 | 1,943 |
| Average equity | $43,761,000 | 1,928 |
| Average total loans | $220,987,000 | 2,096 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3033% | 3,208 |
| Cost of funding earning assets | 0.2699% | 2,703 |
| Net interest margin | 3.0333% | 3,100 |
| Noninterest income to average assets | 0.2897% | 3,658 |
| Noninterest expense to average assets | 1.8042% | 4,137 |
| Loan and lease loss provision to assets | 0.0123% | 2,838 |
| Net operating income to assets | 1.2901% | 1,626 |
| Return on assets (ROA) | 1.3144% | 1,603 |
| Pretax return on assets | 1.3144% | 2,316 |
| Return on Equity (ROE) | 11.9128% | 1,846 |
| Retained earnings to average equity (ytd only) | 7.0622% | 1,898 |
| Net charge-offs to loans | 0.0119% | 2,120 |
| Credit loss provision to net charge-offs | 192.3077% | 1,328 |
| Earnings coverage of net charge-offs (x) | 204.0385% | 534 |
| Efficiency ratio | 58.0765% | 3,434 |
| Assets per employee ($millions) | 6.0612% | 2,705 |
| Cash dividends to net income (ytd only)* | 40.7172% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 1,495 |
| Loan loss allowance to noncurrent loans | 1,447.4138% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 3,524 |
| Noncurrent loans to loans | 0.1049% | 3,402 |
| Net loans and leases to total assets | 49.2447% | 3,376 |
| Net loans and leases to deposits | 55.8542% | 3,434 |
| Net loans and leases to core deposits | 56.6703% | 3,570 |
| Total domestic deposits to total assets | 88.1665% | 1,950 |
| Equity capital to assets | 10.3624% | 2,309 |
| Core capital (leverage) ratio | 10.7674% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,321,600 | 1,962 |
| Average earning assets | $378,263,800 | 1,975 |
| Average equity | $44,943,400 | 1,925 |
| Average total loans | $219,194,400 | 2,106 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4372% | 2,995 |
| Cost of funding earning assets | 0.2831% | 2,767 |
| Net interest margin | 3.1541% | 2,882 |
| Noninterest income to average assets | 0.2991% | 3,647 |
| Noninterest expense to average assets | 1.8029% | 4,162 |
| Loan and lease loss provision to assets | 0.0168% | 2,671 |
| Net operating income to assets | 1.4054% | 1,523 |
| Return on assets (ROA) | 1.4386% | 1,484 |
| Pretax return on assets | 1.4386% | 2,185 |
| Return on Equity (ROE) | 12.8211% | 1,756 |
| Retained earnings to average equity (ytd only) | 7.8119% | 2,112 |
| Net charge-offs to loans | 0.0177% | 1,707 |
| Credit loss provision to net charge-offs | 172.4138% | 1,280 |
| Earnings coverage of net charge-offs (x) | 146.5862% | 689 |
| Efficiency ratio | 55.9025% | 3,545 |
| Assets per employee ($millions) | 5.3076% | 3,396 |
| Cash dividends to net income (ytd only)* | 39.0698% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 1,457 |
| Loan loss allowance to noncurrent loans | 1,261.2782% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 3,574 |
| Noncurrent loans to loans | 0.1231% | 3,480 |
| Net loans and leases to total assets | 52.7559% | 3,115 |
| Net loans and leases to deposits | 61.6873% | 3,069 |
| Net loans and leases to core deposits | 62.7770% | 3,240 |
| Total domestic deposits to total assets | 85.5214% | 2,935 |
| Equity capital to assets | 11.3713% | 1,760 |
| Core capital (leverage) ratio | 11.1252% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $398,536,000 | 2,013 |
| Average earning assets | $369,706,250 | 2,025 |
| Average equity | $44,716,750 | 1,957 |
| Average total loans | $218,681,000 | 2,142 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 2,625 |
| Cost of funding earning assets | 0.3026% | 2,754 |
| Net interest margin | 3.2962% | 2,448 |
| Noninterest income to average assets | 0.2978% | 3,650 |
| Noninterest expense to average assets | 1.7449% | 4,292 |
| Loan and lease loss provision to assets | 0.0252% | 2,468 |
| Net operating income to assets | 1.5847% | 1,084 |
| Return on assets (ROA) | 1.6346% | 1,026 |
| Pretax return on assets | 1.6346% | 1,643 |
| Return on Equity (ROE) | 14.6348% | 1,252 |
| Retained earnings to average equity (ytd only) | 8.8603% | 1,753 |
| Net charge-offs to loans | 0.0146% | 1,658 |
| Credit loss provision to net charge-offs | 312.5000% | 866 |
| Earnings coverage of net charge-offs (x) | 199.6875% | 496 |
| Efficiency ratio | 52.0126% | 4,044 |
| Assets per employee ($millions) | 5.2154% | 3,440 |
| Cash dividends to net income (ytd only)* | 39.4575% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 1,305 |
| Loan loss allowance to noncurrent loans | 2,494.8148% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 3,934 |
| Noncurrent loans to loans | 0.0637% | 3,867 |
| Net loans and leases to total assets | 52.6596% | 3,284 |
| Net loans and leases to deposits | 61.4777% | 3,256 |
| Net loans and leases to core deposits | 62.4289% | 3,426 |
| Total domestic deposits to total assets | 85.6564% | 2,854 |
| Equity capital to assets | 11.4052% | 1,695 |
| Core capital (leverage) ratio | 11.0673% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,923,000 | 2,015 |
| Average earning assets | $368,117,333 | 2,027 |
| Average equity | $44,332,667 | 1,958 |
| Average total loans | $219,521,667 | 2,147 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 2,064 |
| Cost of funding earning assets | 0.3309% | 2,698 |
| Net interest margin | 3.4817% | 1,874 |
| Noninterest income to average assets | 0.2951% | 3,638 |
| Noninterest expense to average assets | 1.8449% | 4,122 |
| Loan and lease loss provision to assets | 0.0302% | 2,387 |
| Net operating income to assets | 1.6304% | 1,063 |
| Return on assets (ROA) | 1.7301% | 947 |
| Pretax return on assets | 1.7301% | 1,430 |
| Return on Equity (ROE) | 15.6554% | 1,085 |
| Retained earnings to average equity (ytd only) | 8.9485% | 1,963 |
| Net charge-offs to loans | 0.0108% | 1,543 |
| Credit loss provision to net charge-offs | 500.0000% | 591 |
| Earnings coverage of net charge-offs (x) | 274.8333% | 317 |
| Efficiency ratio | 52.6286% | 3,945 |
| Assets per employee ($millions) | 5.5208% | 3,094 |
| Cash dividends to net income (ytd only)* | 42.8405% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 1,636 |
| Loan loss allowance to noncurrent loans | 2,180.5195% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 3,978 |
| Noncurrent loans to loans | 0.0684% | 3,948 |
| Net loans and leases to total assets | 56.5893% | 2,970 |
| Net loans and leases to deposits | 65.6372% | 2,957 |
| Net loans and leases to core deposits | 66.7430% | 3,177 |
| Total domestic deposits to total assets | 86.2153% | 2,662 |
| Equity capital to assets | 11.2249% | 1,703 |
| Core capital (leverage) ratio | 10.9759% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $397,198,500 | 2,002 |
| Average earning assets | $366,263,000 | 2,020 |
| Average equity | $43,895,500 | 1,953 |
| Average total loans | $223,234,500 | 2,132 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 2,414 |
| Cost of funding earning assets | 0.5399% | 2,679 |
| Net interest margin | 3.5638% | 2,265 |
| Noninterest income to average assets | 0.2746% | 3,834 |
| Noninterest expense to average assets | 2.0599% | 4,021 |
| Loan and lease loss provision to assets | -0.0011% | 4,896 |
| Net operating income to assets | 1.4974% | 819 |
| Return on assets (ROA) | 1.4974% | 893 |
| Pretax return on assets | 1.4808% | 1,407 |
| Return on Equity (ROE) | 13.0519% | 1,031 |
| Retained earnings to average equity (ytd only) | 7.1623% | 1,334 |
| Net charge-offs to loans | 0.0125% | 2,888 |
| Credit loss provision to net charge-offs | -14.2857% | 3,666 |
| Earnings coverage of net charge-offs (x) | 191.4643% | 485 |
| Efficiency ratio | 58.1956% | 3,700 |
| Assets per employee ($millions) | 5.5126% | 2,832 |
| Cash dividends to net income (ytd only)* | 45.1244% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 1,559 |
| Loan loss allowance to noncurrent loans | 2,020.6061% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 4,048 |
| Noncurrent loans to loans | 0.0746% | 3,994 |
| Net loans and leases to total assets | 54.1623% | 3,474 |
| Net loans and leases to deposits | 62.4404% | 3,576 |
| Net loans and leases to core deposits | 63.8628% | 3,700 |
| Total domestic deposits to total assets | 86.7425% | 2,060 |
| Equity capital to assets | 10.8822% | 2,359 |
| Core capital (leverage) ratio | 11.0480% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,294,000 | 1,994 |
| Average earning assets | $331,924,200 | 2,016 |
| Average equity | $41,564,800 | 1,966 |
| Average total loans | $224,682,600 | 2,076 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3396% | 1,993 |
| Cost of funding earning assets | 0.5890% | 2,679 |
| Net interest margin | 3.7505% | 1,761 |
| Noninterest income to average assets | 0.2816% | 3,801 |
| Noninterest expense to average assets | 2.1453% | 3,832 |
| Loan and lease loss provision to assets | -0.0054% | 4,961 |
| Net operating income to assets | 1.5961% | 733 |
| Return on assets (ROA) | 1.5961% | 805 |
| Pretax return on assets | 1.5734% | 1,260 |
| Return on Equity (ROE) | 13.7108% | 937 |
| Retained earnings to average equity (ytd only) | 7.5398% | 1,482 |
| Net charge-offs to loans | 0.0124% | 2,663 |
| Credit loss provision to net charge-offs | -66.6667% | 3,548 |
| Earnings coverage of net charge-offs (x) | 197.2857% | 497 |
| Efficiency ratio | 57.7719% | 3,696 |
| Assets per employee ($millions) | 4.9946% | 3,258 |
| Cash dividends to net income (ytd only)* | 45.0083% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 1,756 |
| Loan loss allowance to noncurrent loans | 1,725.3886% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 3,089 |
| Noncurrent loans to loans | 0.0808% | 4,045 |
| Net loans and leases to total assets | 64.5817% | 2,691 |
| Net loans and leases to deposits | 75.6672% | 2,783 |
| Net loans and leases to core deposits | 78.2707% | 2,985 |
| Total domestic deposits to total assets | 85.3496% | 2,300 |
| Equity capital to assets | 11.7985% | 1,802 |
| Core capital (leverage) ratio | 11.2582% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,262,500 | 2,018 |
| Average earning assets | $322,328,750 | 2,045 |
| Average equity | $41,008,000 | 1,973 |
| Average total loans | $225,529,750 | 2,058 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5297% | 1,832 |
| Cost of funding earning assets | 0.6424% | 2,744 |
| Net interest margin | 3.8873% | 1,601 |
| Noninterest income to average assets | 0.2740% | 3,836 |
| Noninterest expense to average assets | 2.2347% | 3,694 |
| Loan and lease loss provision to assets | -0.0138% | 5,005 |
| Net operating income to assets | 1.6332% | 706 |
| Return on assets (ROA) | 1.6332% | 771 |
| Pretax return on assets | 1.5987% | 1,226 |
| Return on Equity (ROE) | 14.0959% | 866 |
| Retained earnings to average equity (ytd only) | 7.8983% | 1,337 |
| Net charge-offs to loans | 0.0072% | 2,701 |
| Credit loss provision to net charge-offs | -300.0000% | 3,536 |
| Earnings coverage of net charge-offs (x) | 344.8750% | 297 |
| Efficiency ratio | 58.5050% | 3,630 |
| Assets per employee ($millions) | 4.7522% | 3,468 |
| Cash dividends to net income (ytd only)* | 43.9676% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 1,457 |
| Loan loss allowance to noncurrent loans | 1,089.5425% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 3,103 |
| Noncurrent loans to loans | 0.1319% | 3,929 |
| Net loans and leases to total assets | 62.4953% | 3,072 |
| Net loans and leases to deposits | 73.1069% | 3,154 |
| Net loans and leases to core deposits | 76.8527% | 3,212 |
| Total domestic deposits to total assets | 85.4848% | 2,208 |
| Equity capital to assets | 11.5506% | 1,938 |
| Core capital (leverage) ratio | 11.4351% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,148,333 | 2,009 |
| Average earning assets | $317,545,333 | 2,040 |
| Average equity | $40,338,000 | 1,986 |
| Average total loans | $221,107,000 | 2,071 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3920% | 2,650 |
| Cost of funding earning assets | 0.6432% | 3,200 |
| Net interest margin | 3.7489% | 2,147 |
| Noninterest income to average assets | 0.3122% | 3,641 |
| Noninterest expense to average assets | 2.4503% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3737% | 1,050 |
| Return on assets (ROA) | 1.3737% | 1,128 |
| Pretax return on assets | 1.2454% | 2,046 |
| Return on Equity (ROE) | 11.5408% | 1,250 |
| Retained earnings to average equity (ytd only) | 4.4518% | 2,510 |
| Net charge-offs to loans | 0.0281% | 1,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 73.8000% | 702 |
| Efficiency ratio | 66.3014% | 2,912 |
| Assets per employee ($millions) | 4.2896% | 3,545 |
| Cash dividends to net income (ytd only)* | 61.4251% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,446 |
| Loan loss allowance to noncurrent loans | 411.4558% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 2,306 |
| Noncurrent loans to loans | 0.3016% | 3,419 |
| Net loans and leases to total assets | 60.3521% | 3,460 |
| Net loans and leases to deposits | 70.3188% | 3,564 |
| Net loans and leases to core deposits | 72.8691% | 3,707 |
| Total domestic deposits to total assets | 85.8263% | 2,073 |
| Equity capital to assets | 12.1042% | 1,991 |
| Core capital (leverage) ratio | 12.0048% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,031,000 | 2,579 |
| Average earning assets | $213,932,000 | 2,628 |
| Average equity | $28,213,000 | 2,560 |
| Average total loans | $142,227,500 | 2,708 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5137% | 2,893 |
| Cost of funding earning assets | 0.6726% | 3,299 |
| Net interest margin | 3.8411% | 2,368 |
| Noninterest income to average assets | 0.3555% | 3,575 |
| Noninterest expense to average assets | 2.2801% | 3,991 |
| Loan and lease loss provision to assets | 0.0490% | 3,043 |
| Net operating income to assets | 1.4867% | 1,088 |
| Return on assets (ROA) | 1.4933% | 1,131 |
| Pretax return on assets | 1.5085% | 1,785 |
| Return on Equity (ROE) | 12.3011% | 1,396 |
| Retained earnings to average equity (ytd only) | 8.7928% | 766 |
| Net charge-offs to loans | 0.0507% | 2,391 |
| Credit loss provision to net charge-offs | 157.1429% | 1,639 |
| Earnings coverage of net charge-offs (x) | 49.7286% | 1,139 |
| Efficiency ratio | 59.5185% | 3,764 |
| Assets per employee ($millions) | 4.6549% | 3,016 |
| Cash dividends to net income (ytd only)* | 28.5203% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 2,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 2,976 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 58.2811% | 3,748 |
| Net loans and leases to deposits | 67.2271% | 3,877 |
| Net loans and leases to core deposits | 69.5886% | 3,985 |
| Total domestic deposits to total assets | 86.6929% | 1,758 |
| Equity capital to assets | 11.7169% | 2,343 |
| Core capital (leverage) ratio | 12.6766% | 1,391 |
| Tier 1 risk-based capital ratio | 15.3978% | 2,620 |
| Total risk-based capital ratio | 16.3495% | 2,671 |
| Memoranda: | ||
| Average total assets | $224,462,600 | 2,623 |
| Average earning assets | $203,094,600 | 2,679 |
| Average equity | $27,249,600 | 2,545 |
| Average total loans | $138,188,000 | 2,746 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 2,765 |
| Cost of funding earning assets | 0.7032% | 3,209 |
| Net interest margin | 3.8839% | 2,317 |
| Noninterest income to average assets | 0.3673% | 3,515 |
| Noninterest expense to average assets | 2.3322% | 3,871 |
| Loan and lease loss provision to assets | 0.0548% | 2,817 |
| Net operating income to assets | 1.4911% | 1,210 |
| Return on assets (ROA) | 1.5002% | 1,244 |
| Pretax return on assets | 1.5148% | 1,911 |
| Return on Equity (ROE) | 12.2373% | 1,536 |
| Retained earnings to average equity (ytd only) | 7.4875% | 1,629 |
| Net charge-offs to loans | 0.0675% | 1,860 |
| Credit loss provision to net charge-offs | 130.4348% | 1,818 |
| Earnings coverage of net charge-offs (x) | 37.1295% | 1,433 |
| Efficiency ratio | 59.9124% | 3,664 |
| Assets per employee ($millions) | 3.9641% | 3,951 |
| Cash dividends to net income (ytd only)* | 38.8143% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,405 |
| Loan loss allowance to noncurrent loans | 790.3226% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 2,464 |
| Noncurrent loans to loans | 0.1544% | 3,987 |
| Net loans and leases to total assets | 64.8647% | 3,199 |
| Net loans and leases to deposits | 75.9078% | 3,303 |
| Net loans and leases to core deposits | 79.0346% | 3,468 |
| Total domestic deposits to total assets | 85.4520% | 2,235 |
| Equity capital to assets | 13.1190% | 1,556 |
| Core capital (leverage) ratio | 12.7000% | 1,483 |
| Tier 1 risk-based capital ratio | 16.2923% | 2,336 |
| Total risk-based capital ratio | 17.3209% | 2,347 |
| Memoranda: | ||
| Average total assets | $218,900,500 | 2,694 |
| Average earning assets | $198,693,500 | 2,744 |
| Average equity | $26,835,250 | 2,587 |
| Average total loans | $136,355,000 | 2,786 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5225% | 2,943 |
| Cost of funding earning assets | 0.7318% | 2,986 |
| Net interest margin | 3.7907% | 2,608 |
| Noninterest income to average assets | 0.3564% | 3,545 |
| Noninterest expense to average assets | 2.2647% | 4,091 |
| Loan and lease loss provision to assets | 0.0544% | 2,733 |
| Net operating income to assets | 1.4593% | 1,264 |
| Return on assets (ROA) | 1.4593% | 1,322 |
| Pretax return on assets | 1.4766% | 1,932 |
| Return on Equity (ROE) | 12.1805% | 1,511 |
| Retained earnings to average equity (ytd only) | 8.3954% | 1,243 |
| Net charge-offs to loans | 0.0148% | 2,611 |
| Credit loss provision to net charge-offs | 600.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 168.8000% | 446 |
| Efficiency ratio | 59.6655% | 3,781 |
| Assets per employee ($millions) | 4.2757% | 3,473 |
| Cash dividends to net income (ytd only)* | 31.0752% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,184 |
| Loan loss allowance to noncurrent loans | 522.1557% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 2,287 |
| Noncurrent loans to loans | 0.2416% | 3,674 |
| Net loans and leases to total assets | 63.8568% | 3,358 |
| Net loans and leases to deposits | 74.1808% | 3,504 |
| Net loans and leases to core deposits | 77.0992% | 3,638 |
| Total domestic deposits to total assets | 86.0826% | 1,983 |
| Equity capital to assets | 12.8570% | 1,657 |
| Core capital (leverage) ratio | 12.4129% | 1,582 |
| Tier 1 risk-based capital ratio | 16.0542% | 2,389 |
| Total risk-based capital ratio | 17.1002% | 2,414 |
| Memoranda: | ||
| Average total assets | $220,512,670 | 2,688 |
| Average earning assets | $200,066,000 | 2,739 |
| Average equity | $26,419,330 | 2,605 |
| Average total loans | $134,951,000 | 2,816 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 3,013 |
| Cost of funding earning assets | 0.7709% | 2,682 |
| Net interest margin | 3.6889% | 2,938 |
| Noninterest income to average assets | 0.3430% | 3,571 |
| Noninterest expense to average assets | 2.3030% | 4,009 |
| Loan and lease loss provision to assets | 0.0536% | 2,591 |
| Net operating income to assets | 1.3096% | 1,664 |
| Return on assets (ROA) | 1.3096% | 1,705 |
| Pretax return on assets | 1.3293% | 2,333 |
| Return on Equity (ROE) | 11.3266% | 1,812 |
| Retained earnings to average equity (ytd only) | 9.7813% | 1,088 |
| Net charge-offs to loans | 0.0240% | 1,967 |
| Credit loss provision to net charge-offs | 375.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 96.7500% | 681 |
| Efficiency ratio | 62.4818% | 3,455 |
| Assets per employee ($millions) | 4.1680% | 3,676 |
| Cash dividends to net income (ytd only)* | 13.6426% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,144 |
| Loan loss allowance to noncurrent loans | 229.7189% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 1,859 |
| Noncurrent loans to loans | 0.5608% | 2,642 |
| Net loans and leases to total assets | 60.6623% | 3,643 |
| Net loans and leases to deposits | 69.7909% | 3,774 |
| Net loans and leases to core deposits | 72.5807% | 3,907 |
| Total domestic deposits to total assets | 86.9200% | 1,856 |
| Equity capital to assets | 12.2444% | 1,879 |
| Core capital (leverage) ratio | 11.7651% | 1,931 |
| Tier 1 risk-based capital ratio | 16.4143% | 2,298 |
| Total risk-based capital ratio | 17.4857% | 2,303 |
| Memoranda: | ||
| Average total assets | $223,877,500 | 2,692 |
| Average earning assets | $202,878,500 | 2,736 |
| Average equity | $25,886,000 | 2,652 |
| Average total loans | $133,297,000 | 2,868 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 2,744 |
| Cost of funding earning assets | 0.5813% | 2,844 |
| Net interest margin | 3.8238% | 2,581 |
| Noninterest income to average assets | 0.3633% | 3,664 |
| Noninterest expense to average assets | 2.1570% | 4,437 |
| Loan and lease loss provision to assets | 0.0450% | 3,280 |
| Net operating income to assets | 1.6000% | 869 |
| Return on assets (ROA) | 1.5978% | 861 |
| Pretax return on assets | 1.6149% | 1,419 |
| Return on Equity (ROE) | 14.3739% | 965 |
| Retained earnings to average equity (ytd only) | 1.6160% | 4,494 |
| Net charge-offs to loans | 0.0521% | 2,409 |
| Credit loss provision to net charge-offs | 142.8571% | 1,902 |
| Earnings coverage of net charge-offs (x) | 52.7429% | 1,098 |
| Efficiency ratio | 56.4777% | 4,348 |
| Assets per employee ($millions) | 4.2781% | 3,495 |
| Cash dividends to net income (ytd only)* | 88.7574% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 2,193 |
| Loan loss allowance to noncurrent loans | 191.1964% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 2,888 |
| Noncurrent loans to loans | 0.6642% | 2,333 |
| Net loans and leases to total assets | 57.0113% | 4,046 |
| Net loans and leases to deposits | 64.9452% | 4,192 |
| Net loans and leases to core deposits | 67.2228% | 4,285 |
| Total domestic deposits to total assets | 87.7837% | 1,398 |
| Equity capital to assets | 10.9229% | 2,766 |
| Core capital (leverage) ratio | 11.9096% | 1,794 |
| Tier 1 risk-based capital ratio | 15.9237% | 2,433 |
| Total risk-based capital ratio | 16.9750% | 2,445 |
| Memoranda: | ||
| Average total assets | $222,119,000 | 2,684 |
| Average earning assets | $200,744,800 | 2,713 |
| Average equity | $24,690,600 | 2,663 |
| Average total loans | $134,460,400 | 2,827 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 2,569 |
| Cost of funding earning assets | 0.5592% | 2,796 |
| Net interest margin | 3.8594% | 2,438 |
| Noninterest income to average assets | 0.3656% | 3,682 |
| Noninterest expense to average assets | 2.1737% | 4,382 |
| Loan and lease loss provision to assets | 0.0424% | 3,139 |
| Net operating income to assets | 1.6238% | 912 |
| Return on assets (ROA) | 1.6226% | 920 |
| Pretax return on assets | 1.6383% | 1,449 |
| Return on Equity (ROE) | 14.5304% | 975 |
| Retained earnings to average equity (ytd only) | 0.1412% | 5,009 |
| Net charge-offs to loans | 0.0198% | 2,747 |
| Credit loss provision to net charge-offs | 350.0000% | 896 |
| Earnings coverage of net charge-offs (x) | 138.6790% | 583 |
| Efficiency ratio | 56.3768% | 4,331 |
| Assets per employee ($millions) | 4.0277% | 3,838 |
| Cash dividends to net income (ytd only)* | 99.0286% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 2,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 4,808 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 61.5052% | 3,697 |
| Net loans and leases to deposits | 71.2138% | 3,833 |
| Net loans and leases to core deposits | 73.7482% | 3,962 |
| Total domestic deposits to total assets | 86.3670% | 2,028 |
| Equity capital to assets | 11.4106% | 2,325 |
| Core capital (leverage) ratio | 11.8404% | 1,888 |
| Tier 1 risk-based capital ratio | 15.6676% | 2,579 |
| Total risk-based capital ratio | 16.7296% | 2,591 |
| Memoranda: | ||
| Average total assets | $219,894,000 | 2,711 |
| Average earning assets | $198,851,000 | 2,747 |
| Average equity | $24,554,750 | 2,682 |
| Average total loans | $134,725,250 | 2,847 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 2,405 |
| Cost of funding earning assets | 0.5532% | 2,587 |
| Net interest margin | 3.8495% | 2,383 |
| Noninterest income to average assets | 0.3576% | 3,765 |
| Noninterest expense to average assets | 2.1114% | 4,580 |
| Loan and lease loss provision to assets | 0.0360% | 3,193 |
| Net operating income to assets | 1.6673% | 778 |
| Return on assets (ROA) | 1.6655% | 789 |
| Pretax return on assets | 1.6808% | 1,267 |
| Return on Equity (ROE) | 15.0201% | 846 |
| Retained earnings to average equity (ytd only) | -2.4451% | 5,183 |
| Net charge-offs to loans | 0.0310% | 2,235 |
| Credit loss provision to net charge-offs | 190.4762% | 1,349 |
| Earnings coverage of net charge-offs (x) | 90.8571% | 742 |
| Efficiency ratio | 55.1270% | 4,570 |
| Assets per employee ($millions) | 4.0687% | 3,787 |
| Cash dividends to net income (ytd only)* | 116.2791% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,366 |
| Loan loss allowance to noncurrent loans | 1,891.0112% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 3,534 |
| Noncurrent loans to loans | 0.0667% | 4,625 |
| Net loans and leases to total assets | 61.0740% | 3,703 |
| Net loans and leases to deposits | 70.0800% | 3,848 |
| Net loans and leases to core deposits | 71.3976% | 4,051 |
| Total domestic deposits to total assets | 87.1490% | 1,775 |
| Equity capital to assets | 11.3332% | 2,330 |
| Core capital (leverage) ratio | 11.4432% | 2,116 |
| Tier 1 risk-based capital ratio | 15.4896% | 2,639 |
| Total risk-based capital ratio | 16.5341% | 2,666 |
| Memoranda: | ||
| Average total assets | $222,036,000 | 2,713 |
| Average earning assets | $200,287,330 | 2,754 |
| Average equity | $24,620,330 | 2,693 |
| Average total loans | $135,297,670 | 2,851 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3807% | 2,265 |
| Cost of funding earning assets | 0.5636% | 2,290 |
| Net interest margin | 3.8171% | 2,346 |
| Noninterest income to average assets | 0.3729% | 3,647 |
| Noninterest expense to average assets | 2.1737% | 4,483 |
| Loan and lease loss provision to assets | 0.0533% | 2,708 |
| Net operating income to assets | 1.5734% | 911 |
| Return on assets (ROA) | 1.5699% | 931 |
| Pretax return on assets | 1.5824% | 1,443 |
| Return on Equity (ROE) | 14.3094% | 946 |
| Retained earnings to average equity (ytd only) | -12.3993% | 5,415 |
| Net charge-offs to loans | 0.0235% | 2,033 |
| Credit loss provision to net charge-offs | 375.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 115.3750% | 543 |
| Efficiency ratio | 57.0098% | 4,462 |
| Assets per employee ($millions) | 4.1042% | 3,797 |
| Cash dividends to net income (ytd only)* | 186.6516% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,596 |
| Loan loss allowance to noncurrent loans | 624.4444% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 3,242 |
| Noncurrent loans to loans | 0.1980% | 4,079 |
| Net loans and leases to total assets | 61.9019% | 3,564 |
| Net loans and leases to deposits | 70.6585% | 3,731 |
| Net loans and leases to core deposits | 71.9633% | 3,964 |
| Total domestic deposits to total assets | 87.6071% | 1,845 |
| Equity capital to assets | 11.0155% | 2,558 |
| Core capital (leverage) ratio | 10.8074% | 2,625 |
| Tier 1 risk-based capital ratio | 14.7238% | 3,017 |
| Total risk-based capital ratio | 15.7372% | 3,036 |
| Memoranda: | ||
| Average total assets | $225,234,000 | 2,707 |
| Average earning assets | $202,982,500 | 2,761 |
| Average equity | $24,711,000 | 2,708 |
| Average total loans | $136,255,000 | 2,859 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 2,823 |
| Cost of funding earning assets | 0.4347% | 2,919 |
| Net interest margin | 3.7288% | 2,677 |
| Noninterest income to average assets | 0.3695% | 3,827 |
| Noninterest expense to average assets | 2.0668% | 4,846 |
| Loan and lease loss provision to assets | 0.0360% | 3,546 |
| Net operating income to assets | 1.6428% | 595 |
| Return on assets (ROA) | 1.6973% | 546 |
| Pretax return on assets | 1.6982% | 1,012 |
| Return on Equity (ROE) | 15.5212% | 541 |
| Retained earnings to average equity (ytd only) | 5.4764% | 1,829 |
| Net charge-offs to loans | 0.0131% | 3,625 |
| Credit loss provision to net charge-offs | 482.3529% | 647 |
| Earnings coverage of net charge-offs (x) | 224.8824% | 365 |
| Efficiency ratio | 55.1659% | 4,846 |
| Assets per employee ($millions) | 4.3139% | 3,462 |
| Cash dividends to net income (ytd only)* | 64.7165% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,654 |
| Loan loss allowance to noncurrent loans | 569.8630% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 3,343 |
| Noncurrent loans to loans | 0.2144% | 4,056 |
| Net loans and leases to total assets | 57.7429% | 4,026 |
| Net loans and leases to deposits | 66.8544% | 4,119 |
| Net loans and leases to core deposits | 67.5843% | 4,323 |
| Total domestic deposits to total assets | 86.3712% | 2,284 |
| Equity capital to assets | 10.9299% | 2,704 |
| Core capital (leverage) ratio | 11.4244% | 1,997 |
| Tier 1 risk-based capital ratio | 15.4958% | 2,632 |
| Total risk-based capital ratio | 16.5166% | 2,651 |
| Memoranda: | ||
| Average total assets | $227,593,200 | 2,654 |
| Average earning assets | $206,126,200 | 2,712 |
| Average equity | $24,888,600 | 2,682 |
| Average total loans | $129,584,000 | 2,919 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 2,781 |
| Cost of funding earning assets | 0.4233% | 2,952 |
| Net interest margin | 3.7298% | 2,659 |
| Noninterest income to average assets | 0.3718% | 3,867 |
| Noninterest expense to average assets | 2.0949% | 4,748 |
| Loan and lease loss provision to assets | 0.0118% | 3,905 |
| Net operating income to assets | 1.6074% | 702 |
| Return on assets (ROA) | 1.6783% | 622 |
| Pretax return on assets | 1.7237% | 1,065 |
| Return on Equity (ROE) | 15.3452% | 610 |
| Retained earnings to average equity (ytd only) | 4.5691% | 3,167 |
| Net charge-offs to loans | 0.0021% | 3,693 |
| Credit loss provision to net charge-offs | 1,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 1,408.7041% | 71 |
| Efficiency ratio | 55.7560% | 4,772 |
| Assets per employee ($millions) | 3.9952% | 4,002 |
| Cash dividends to net income (ytd only)* | 70.2247% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 2,727 |
| Loan loss allowance to noncurrent loans | 6,219.2308% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 3,911 |
| Noncurrent loans to loans | 0.0198% | 5,043 |
| Net loans and leases to total assets | 59.9947% | 3,865 |
| Net loans and leases to deposits | 70.4795% | 3,920 |
| Net loans and leases to core deposits | 71.3564% | 4,164 |
| Total domestic deposits to total assets | 85.1237% | 2,667 |
| Equity capital to assets | 11.8152% | 2,102 |
| Core capital (leverage) ratio | 11.1709% | 2,305 |
| Tier 1 risk-based capital ratio | 15.6645% | 2,647 |
| Total risk-based capital ratio | 16.6881% | 2,676 |
| Memoranda: | ||
| Average total assets | $226,254,500 | 2,693 |
| Average earning assets | $205,367,000 | 2,734 |
| Average equity | $24,745,500 | 2,710 |
| Average total loans | $127,936,250 | 2,967 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 3,059 |
| Cost of funding earning assets | 0.4042% | 3,030 |
| Net interest margin | 3.6322% | 2,905 |
| Noninterest income to average assets | 0.3508% | 4,046 |
| Noninterest expense to average assets | 2.0143% | 4,954 |
| Loan and lease loss provision to assets | 0.0087% | 3,753 |
| Net operating income to assets | 1.5926% | 722 |
| Return on assets (ROA) | 1.6661% | 626 |
| Pretax return on assets | 1.7122% | 1,029 |
| Return on Equity (ROE) | 15.6262% | 579 |
| Retained earnings to average equity (ytd only) | 3.3800% | 3,702 |
| Net charge-offs to loans | -0.0047% | 4,327 |
| Credit loss provision to net charge-offs | -333.3333% | 4,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0428% | 4,919 |
| Assets per employee ($millions) | 4.1357% | 3,731 |
| Cash dividends to net income (ytd only)* | 78.3699% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,727 |
| Loan loss allowance to noncurrent loans | 694.8276% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 3,294 |
| Noncurrent loans to loans | 0.1791% | 4,403 |
| Net loans and leases to total assets | 57.2840% | 4,097 |
| Net loans and leases to deposits | 66.5546% | 4,184 |
| Net loans and leases to core deposits | 67.3426% | 4,394 |
| Total domestic deposits to total assets | 86.0706% | 2,354 |
| Equity capital to assets | 11.2844% | 2,509 |
| Core capital (leverage) ratio | 10.6965% | 2,704 |
| Tier 1 risk-based capital ratio | 15.1564% | 2,863 |
| Total risk-based capital ratio | 16.1614% | 2,899 |
| Memoranda: | ||
| Average total assets | $229,759,670 | 2,684 |
| Average earning assets | $209,295,670 | 2,706 |
| Average equity | $24,497,330 | 2,736 |
| Average total loans | $126,898,670 | 2,990 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 3,214 |
| Cost of funding earning assets | 0.3897% | 3,102 |
| Net interest margin | 3.5579% | 3,051 |
| Noninterest income to average assets | 0.3193% | 4,268 |
| Noninterest expense to average assets | 2.0380% | 4,964 |
| Loan and lease loss provision to assets | 0.0172% | 3,352 |
| Net operating income to assets | 1.4565% | 880 |
| Return on assets (ROA) | 1.5298% | 793 |
| Pretax return on assets | 1.5847% | 1,274 |
| Return on Equity (ROE) | 14.7605% | 680 |
| Retained earnings to average equity (ytd only) | 6.4774% | 2,096 |
| Net charge-offs to loans | -0.0032% | 4,071 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1773% | 4,819 |
| Assets per employee ($millions) | 4.2507% | 3,588 |
| Cash dividends to net income (ytd only)* | 56.1167% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,579 |
| Loan loss allowance to noncurrent loans | 493.8650% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 3,277 |
| Noncurrent loans to loans | 0.2615% | 4,175 |
| Net loans and leases to total assets | 53.6140% | 4,369 |
| Net loans and leases to deposits | 61.5796% | 4,460 |
| Net loans and leases to core deposits | 62.2547% | 4,639 |
| Total domestic deposits to total assets | 87.0645% | 2,182 |
| Equity capital to assets | 10.6923% | 2,968 |
| Core capital (leverage) ratio | 10.4124% | 3,000 |
| Tier 1 risk-based capital ratio | 15.9222% | 2,584 |
| Total risk-based capital ratio | 16.9776% | 2,598 |
| Memoranda: | ||
| Average total assets | $232,976,500 | 2,685 |
| Average earning assets | $212,484,500 | 2,707 |
| Average equity | $24,145,500 | 2,777 |
| Average total loans | $125,577,000 | 3,032 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0781% | 2,933 |
| Cost of funding earning assets | 0.3760% | 3,247 |
| Net interest margin | 3.7022% | 2,684 |
| Noninterest income to average assets | 0.3215% | 4,440 |
| Noninterest expense to average assets | 2.1765% | 4,831 |
| Loan and lease loss provision to assets | 0.0137% | 4,109 |
| Net operating income to assets | 1.4677% | 890 |
| Return on assets (ROA) | 1.5165% | 831 |
| Pretax return on assets | 1.5453% | 1,448 |
| Return on Equity (ROE) | 13.6428% | 838 |
| Retained earnings to average equity (ytd only) | 3.7686% | 3,236 |
| Net charge-offs to loans | 0.0554% | 2,936 |
| Credit loss provision to net charge-offs | 43.4783% | 3,458 |
| Earnings coverage of net charge-offs (x) | 47.8261% | 1,036 |
| Efficiency ratio | 59.0520% | 4,720 |
| Assets per employee ($millions) | 4.3780% | 3,314 |
| Cash dividends to net income (ytd only)* | 72.3764% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 2,736 |
| Loan loss allowance to noncurrent loans | 309.8837% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.5617% | 3,048 |
| Noncurrent loans to loans | 0.4080% | 3,685 |
| Net loans and leases to total assets | 52.8226% | 4,543 |
| Net loans and leases to deposits | 60.3122% | 4,649 |
| Net loans and leases to core deposits | 60.9477% | 4,808 |
| Total domestic deposits to total assets | 87.5820% | 1,838 |
| Equity capital to assets | 10.0451% | 3,679 |
| Core capital (leverage) ratio | 10.7577% | 2,583 |
| Tier 1 risk-based capital ratio | 15.9227% | 2,579 |
| Total risk-based capital ratio | 16.9882% | 2,579 |
| Memoranda: | ||
| Average total assets | $218,657,000 | 2,771 |
| Average earning assets | $198,693,800 | 2,803 |
| Average equity | $24,305,800 | 2,777 |
| Average total loans | $124,626,400 | 2,999 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 2,650 |
| Cost of funding earning assets | 0.3785% | 3,245 |
| Net interest margin | 3.7799% | 2,411 |
| Noninterest income to average assets | 0.3062% | 4,579 |
| Noninterest expense to average assets | 2.2512% | 4,648 |
| Loan and lease loss provision to assets | 0.0062% | 4,104 |
| Net operating income to assets | 1.4373% | 991 |
| Return on assets (ROA) | 1.5031% | 929 |
| Pretax return on assets | 1.5479% | 1,546 |
| Return on Equity (ROE) | 13.1720% | 1,004 |
| Retained earnings to average equity (ytd only) | 2.8089% | 4,208 |
| Net charge-offs to loans | 0.0698% | 2,318 |
| Credit loss provision to net charge-offs | 15.3846% | 3,323 |
| Earnings coverage of net charge-offs (x) | 36.7404% | 1,306 |
| Efficiency ratio | 60.2331% | 4,506 |
| Assets per employee ($millions) | 3.8474% | 4,222 |
| Cash dividends to net income (ytd only)* | 78.6749% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 3,015 |
| Loan loss allowance to noncurrent loans | 211.6310% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 2,896 |
| Noncurrent loans to loans | 0.5859% | 3,251 |
| Net loans and leases to total assets | 58.5239% | 4,046 |
| Net loans and leases to deposits | 68.3550% | 4,116 |
| Net loans and leases to core deposits | 68.9527% | 4,400 |
| Total domestic deposits to total assets | 85.6177% | 2,548 |
| Equity capital to assets | 11.5330% | 2,488 |
| Core capital (leverage) ratio | 10.8203% | 2,657 |
| Tier 1 risk-based capital ratio | 15.4848% | 2,838 |
| Total risk-based capital ratio | 16.5280% | 2,857 |
| Memoranda: | ||
| Average total assets | $214,217,750 | 2,822 |
| Average earning assets | $194,463,500 | 2,863 |
| Average equity | $24,445,250 | 2,783 |
| Average total loans | $124,163,250 | 3,011 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 2,708 |
| Cost of funding earning assets | 0.3809% | 3,243 |
| Net interest margin | 3.7608% | 2,472 |
| Noninterest income to average assets | 0.2928% | 4,691 |
| Noninterest expense to average assets | 2.2170% | 4,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4492% | 970 |
| Return on assets (ROA) | 1.5481% | 852 |
| Pretax return on assets | 1.5949% | 1,386 |
| Return on Equity (ROE) | 13.6152% | 902 |
| Retained earnings to average equity (ytd only) | 2.0978% | 4,518 |
| Net charge-offs to loans | 0.0992% | 1,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 26.1639% | 1,495 |
| Efficiency ratio | 59.7579% | 4,673 |
| Assets per employee ($millions) | 3.7701% | 4,321 |
| Cash dividends to net income (ytd only)* | 84.5921% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,870 |
| Loan loss allowance to noncurrent loans | 244.8758% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7813% | 2,645 |
| Noncurrent loans to loans | 0.5250% | 3,509 |
| Net loans and leases to total assets | 56.3485% | 4,266 |
| Net loans and leases to deposits | 65.5719% | 4,382 |
| Net loans and leases to core deposits | 66.2336% | 4,593 |
| Total domestic deposits to total assets | 85.9339% | 2,456 |
| Equity capital to assets | 11.5872% | 2,458 |
| Core capital (leverage) ratio | 10.9704% | 2,462 |
| Tier 1 risk-based capital ratio | 15.8009% | 2,741 |
| Total risk-based capital ratio | 16.8733% | 2,752 |
| Memoranda: | ||
| Average total assets | $213,806,330 | 2,844 |
| Average earning assets | $194,266,000 | 2,879 |
| Average equity | $24,311,000 | 2,807 |
| Average total loans | $122,993,000 | 3,036 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 2,625 |
| Cost of funding earning assets | 0.3983% | 3,089 |
| Net interest margin | 3.7598% | 2,438 |
| Noninterest income to average assets | 0.2945% | 4,616 |
| Noninterest expense to average assets | 2.3051% | 4,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3617% | 1,113 |
| Return on assets (ROA) | 1.3617% | 1,179 |
| Pretax return on assets | 1.4067% | 1,885 |
| Return on Equity (ROE) | 12.0917% | 1,289 |
| Retained earnings to average equity (ytd only) | -4.5635% | 5,586 |
| Net charge-offs to loans | 0.0065% | 2,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 375.0000% | 160 |
| Efficiency ratio | 62.1021% | 4,430 |
| Assets per employee ($millions) | 3.7902% | 4,319 |
| Cash dividends to net income (ytd only)* | 137.7410% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 2,824 |
| Loan loss allowance to noncurrent loans | 150.5060% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 2,143 |
| Noncurrent loans to loans | 0.8747% | 2,660 |
| Net loans and leases to total assets | 57.7801% | 4,066 |
| Net loans and leases to deposits | 67.5074% | 4,106 |
| Net loans and leases to core deposits | 68.4077% | 4,361 |
| Total domestic deposits to total assets | 85.5908% | 2,867 |
| Equity capital to assets | 11.2649% | 2,661 |
| Core capital (leverage) ratio | 10.6516% | 2,793 |
| Tier 1 risk-based capital ratio | 15.9306% | 2,714 |
| Total risk-based capital ratio | 17.0784% | 2,698 |
| Memoranda: | ||
| Average total assets | $213,263,000 | 2,852 |
| Average earning assets | $193,840,000 | 2,893 |
| Average equity | $24,016,500 | 2,833 |
| Average total loans | $123,156,500 | 3,040 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4050% | 1,886 |
| Cost of funding earning assets | 0.3461% | 3,734 |
| Net interest margin | 4.0588% | 1,531 |
| Noninterest income to average assets | 0.3523% | 4,386 |
| Noninterest expense to average assets | 2.2768% | 4,854 |
| Loan and lease loss provision to assets | 0.0248% | 3,891 |
| Net operating income to assets | 1.7186% | 555 |
| Return on assets (ROA) | 1.7677% | 526 |
| Pretax return on assets | 1.8124% | 788 |
| Return on Equity (ROE) | 15.0278% | 680 |
| Retained earnings to average equity (ytd only) | 1.7166% | 4,746 |
| Net charge-offs to loans | 0.1038% | 2,365 |
| Credit loss provision to net charge-offs | 39.6825% | 3,536 |
| Earnings coverage of net charge-offs (x) | 28.5873% | 1,502 |
| Efficiency ratio | 56.0249% | 5,342 |
| Assets per employee ($millions) | 3.8959% | 4,123 |
| Cash dividends to net income (ytd only)* | 88.5770% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 2,702 |
| Loan loss allowance to noncurrent loans | 207.6046% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.8998% | 2,417 |
| Noncurrent loans to loans | 0.6465% | 3,244 |
| Net loans and leases to total assets | 56.1895% | 4,284 |
| Net loans and leases to deposits | 65.0605% | 4,394 |
| Net loans and leases to core deposits | 65.9071% | 4,601 |
| Total domestic deposits to total assets | 86.3651% | 2,453 |
| Equity capital to assets | 11.2581% | 2,578 |
| Core capital (leverage) ratio | 11.3743% | 2,063 |
| Tier 1 risk-based capital ratio | 17.2900% | 2,185 |
| Total risk-based capital ratio | 18.5224% | 2,144 |
| Memoranda: | ||
| Average total assets | $201,558,200 | 2,934 |
| Average earning assets | $184,313,400 | 2,953 |
| Average equity | $23,709,400 | 2,809 |
| Average total loans | $121,399,200 | 3,026 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 1,797 |
| Cost of funding earning assets | 0.3441% | 3,820 |
| Net interest margin | 4.0915% | 1,429 |
| Noninterest income to average assets | 0.3710% | 4,277 |
| Noninterest expense to average assets | 2.3093% | 4,754 |
| Loan and lease loss provision to assets | 0.0336% | 3,551 |
| Net operating income to assets | 1.7408% | 580 |
| Return on assets (ROA) | 1.8079% | 532 |
| Pretax return on assets | 1.8530% | 800 |
| Return on Equity (ROE) | 15.1935% | 705 |
| Retained earnings to average equity (ytd only) | 1.8865% | 4,939 |
| Net charge-offs to loans | 0.1331% | 1,804 |
| Credit loss provision to net charge-offs | 41.3223% | 3,152 |
| Earnings coverage of net charge-offs (x) | 22.3553% | 1,782 |
| Efficiency ratio | 55.9518% | 5,358 |
| Assets per employee ($millions) | 3.7822% | 4,299 |
| Cash dividends to net income (ytd only)* | 87.5834% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 2,956 |
| Loan loss allowance to noncurrent loans | 195.8284% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 1.2380% | 1,897 |
| Noncurrent loans to loans | 0.6789% | 3,287 |
| Net loans and leases to total assets | 63.2193% | 3,419 |
| Net loans and leases to deposits | 74.5431% | 3,479 |
| Net loans and leases to core deposits | 75.1643% | 3,891 |
| Total domestic deposits to total assets | 84.8091% | 3,093 |
| Equity capital to assets | 12.3463% | 1,840 |
| Core capital (leverage) ratio | 11.8615% | 1,768 |
| Tier 1 risk-based capital ratio | 17.8611% | 2,066 |
| Total risk-based capital ratio | 19.1117% | 2,032 |
| Memoranda: | ||
| Average total assets | $198,379,500 | 2,989 |
| Average earning assets | $182,129,000 | 3,000 |
| Average equity | $23,606,000 | 2,844 |
| Average total loans | $121,239,750 | 3,058 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3428% | 2,035 |
| Cost of funding earning assets | 0.3476% | 3,834 |
| Net interest margin | 3.9951% | 1,649 |
| Noninterest income to average assets | 0.3586% | 4,379 |
| Noninterest expense to average assets | 2.3246% | 4,785 |
| Loan and lease loss provision to assets | 0.0300% | 3,530 |
| Net operating income to assets | 1.6483% | 687 |
| Return on assets (ROA) | 1.7482% | 600 |
| Pretax return on assets | 1.7911% | 909 |
| Return on Equity (ROE) | 14.8706% | 757 |
| Retained earnings to average equity (ytd only) | -0.9007% | 5,679 |
| Net charge-offs to loans | 0.1013% | 1,991 |
| Credit loss provision to net charge-offs | 49.1803% | 2,716 |
| Earnings coverage of net charge-offs (x) | 28.2131% | 1,425 |
| Efficiency ratio | 57.4852% | 5,281 |
| Assets per employee ($millions) | 3.6917% | 4,444 |
| Cash dividends to net income (ytd only)* | 106.0571% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 2,832 |
| Loan loss allowance to noncurrent loans | 262.1495% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 1.2273% | 2,058 |
| Noncurrent loans to loans | 0.5283% | 3,871 |
| Net loans and leases to total assets | 62.4321% | 3,486 |
| Net loans and leases to deposits | 73.1764% | 3,597 |
| Net loans and leases to core deposits | 73.7846% | 3,971 |
| Total domestic deposits to total assets | 85.3173% | 3,003 |
| Equity capital to assets | 12.0255% | 2,005 |
| Core capital (leverage) ratio | 11.4511% | 2,035 |
| Tier 1 risk-based capital ratio | 13.5320% | 4,198 |
| Total risk-based capital ratio | 14.5456% | 4,272 |
| Memoranda: | ||
| Average total assets | $200,208,670 | 2,988 |
| Average earning assets | $184,675,000 | 2,993 |
| Average equity | $23,536,330 | 2,860 |
| Average total loans | $120,457,000 | 3,079 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1926% | 2,487 |
| Cost of funding earning assets | 0.3573% | 3,784 |
| Net interest margin | 3.8353% | 2,115 |
| Noninterest income to average assets | 0.3269% | 4,573 |
| Noninterest expense to average assets | 2.2513% | 5,001 |
| Loan and lease loss provision to assets | 0.0392% | 3,124 |
| Net operating income to assets | 1.5466% | 780 |
| Return on assets (ROA) | 1.7403% | 571 |
| Pretax return on assets | 1.7873% | 883 |
| Return on Equity (ROE) | 14.9651% | 716 |
| Retained earnings to average equity (ytd only) | -6.1779% | 5,998 |
| Net charge-offs to loans | 0.0033% | 3,205 |
| Credit loss provision to net charge-offs | 2,000.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 831.0000% | 52 |
| Efficiency ratio | 58.0515% | 5,329 |
| Assets per employee ($millions) | 3.7210% | 4,473 |
| Cash dividends to net income (ytd only)* | 141.2823% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 2,686 |
| Loan loss allowance to noncurrent loans | 101.1675% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.2804% | 2,078 |
| Noncurrent loans to loans | 1.4316% | 1,997 |
| Net loans and leases to total assets | 59.7948% | 3,683 |
| Net loans and leases to deposits | 69.9282% | 3,754 |
| Net loans and leases to core deposits | 70.6103% | 4,095 |
| Total domestic deposits to total assets | 85.5089% | 3,173 |
| Equity capital to assets | 11.9709% | 2,048 |
| Core capital (leverage) ratio | 10.8761% | 2,541 |
| Tier 1 risk-based capital ratio | 18.4658% | 2,015 |
| Total risk-based capital ratio | 19.7638% | 1,952 |
| Memoranda: | ||
| Average total assets | $204,329,500 | 2,961 |
| Average earning assets | $189,191,000 | 2,961 |
| Average equity | $23,762,000 | 2,858 |
| Average total loans | $119,919,500 | 3,098 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3557% | 2,385 |
| Cost of funding earning assets | 0.3844% | 3,853 |
| Net interest margin | 3.9713% | 1,970 |
| Noninterest income to average assets | 0.2521% | 5,323 |
| Noninterest expense to average assets | 2.3193% | 5,063 |
| Loan and lease loss provision to assets | 0.1065% | 2,372 |
| Net operating income to assets | 1.5018% | 876 |
| Return on assets (ROA) | 1.5096% | 896 |
| Pretax return on assets | 1.5333% | 1,428 |
| Return on Equity (ROE) | 13.4543% | 1,049 |
| Retained earnings to average equity (ytd only) | 4.1846% | 3,221 |
| Net charge-offs to loans | 0.2870% | 1,515 |
| Credit loss provision to net charge-offs | 61.2536% | 3,264 |
| Earnings coverage of net charge-offs (x) | 9.3875% | 2,754 |
| Efficiency ratio | 58.6989% | 5,377 |
| Assets per employee ($millions) | 3.9157% | 4,123 |
| Cash dividends to net income (ytd only)* | 68.8976% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 2,816 |
| Loan loss allowance to noncurrent loans | 76.3134% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.1880% | 2,396 |
| Noncurrent loans to loans | 1.8688% | 1,518 |
| Net loans and leases to total assets | 56.0280% | 4,329 |
| Net loans and leases to deposits | 64.8895% | 4,443 |
| Net loans and leases to core deposits | 65.6584% | 4,694 |
| Total domestic deposits to total assets | 86.3437% | 2,647 |
| Equity capital to assets | 11.3106% | 2,595 |
| Core capital (leverage) ratio | 11.5714% | 1,927 |
| Tier 1 risk-based capital ratio | 15.9214% | 3,003 |
| Total risk-based capital ratio | 17.1303% | 2,973 |
| Memoranda: | ||
| Average total assets | $201,911,800 | 2,962 |
| Average earning assets | $188,075,000 | 2,934 |
| Average equity | $22,654,400 | 2,887 |
| Average total loans | $122,300,200 | 2,995 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 2,253 |
| Cost of funding earning assets | 0.3980% | 3,809 |
| Net interest margin | 3.9925% | 1,902 |
| Noninterest income to average assets | 0.2178% | 5,625 |
| Noninterest expense to average assets | 2.3234% | 5,044 |
| Loan and lease loss provision to assets | 0.1136% | 2,152 |
| Net operating income to assets | 1.4723% | 987 |
| Return on assets (ROA) | 1.4828% | 1,002 |
| Pretax return on assets | 1.5182% | 1,590 |
| Return on Equity (ROE) | 13.2441% | 1,158 |
| Retained earnings to average equity (ytd only) | 0.7102% | 5,592 |
| Net charge-offs to loans | 0.2779% | 1,413 |
| Credit loss provision to net charge-offs | 66.4063% | 2,829 |
| Earnings coverage of net charge-offs (x) | 9.4767% | 2,666 |
| Efficiency ratio | 58.9023% | 5,321 |
| Assets per employee ($millions) | 3.3595% | 5,120 |
| Cash dividends to net income (ytd only)* | 94.6373% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 3,040 |
| Loan loss allowance to noncurrent loans | 64.9963% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 1.5920% | 1,915 |
| Noncurrent loans to loans | 2.1974% | 1,385 |
| Net loans and leases to total assets | 64.7127% | 3,072 |
| Net loans and leases to deposits | 76.1138% | 3,172 |
| Net loans and leases to core deposits | 77.1430% | 3,623 |
| Total domestic deposits to total assets | 85.0210% | 3,329 |
| Equity capital to assets | 12.2580% | 1,857 |
| Core capital (leverage) ratio | 11.3347% | 2,191 |
| Tier 1 risk-based capital ratio | 15.5953% | 3,265 |
| Total risk-based capital ratio | 16.8454% | 3,206 |
| Memoranda: | ||
| Average total assets | $199,527,750 | 3,025 |
| Average earning assets | $186,244,750 | 2,980 |
| Average equity | $22,339,000 | 2,919 |
| Average total loans | $122,829,250 | 3,010 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 2,320 |
| Cost of funding earning assets | 0.4084% | 3,791 |
| Net interest margin | 3.9546% | 1,946 |
| Noninterest income to average assets | 0.1623% | 5,980 |
| Noninterest expense to average assets | 2.3194% | 5,104 |
| Loan and lease loss provision to assets | 0.1180% | 2,075 |
| Net operating income to assets | 1.3813% | 1,107 |
| Return on assets (ROA) | 1.3968% | 1,111 |
| Pretax return on assets | 1.4263% | 1,798 |
| Return on Equity (ROE) | 12.8516% | 1,216 |
| Retained earnings to average equity (ytd only) | -1.6291% | 5,938 |
| Net charge-offs to loans | 0.4111% | 989 |
| Credit loss provision to net charge-offs | 47.6190% | 2,826 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 2,814 |
| Efficiency ratio | 60.2761% | 5,255 |
| Assets per employee ($millions) | 3.4044% | 5,050 |
| Cash dividends to net income (ytd only)* | 112.6761% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 3,286 |
| Loan loss allowance to noncurrent loans | 85.9430% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.2172% | 2,654 |
| Noncurrent loans to loans | 1.6436% | 2,117 |
| Net loans and leases to total assets | 61.7911% | 3,438 |
| Net loans and leases to deposits | 71.6638% | 3,618 |
| Net loans and leases to core deposits | 72.7014% | 3,977 |
| Total domestic deposits to total assets | 86.2236% | 2,918 |
| Equity capital to assets | 11.5656% | 2,359 |
| Core capital (leverage) ratio | 10.7552% | 2,669 |
| Tier 1 risk-based capital ratio | 15.4638% | 3,372 |
| Total risk-based capital ratio | 16.7026% | 3,319 |
| Memoranda: | ||
| Average total assets | $203,327,000 | 2,992 |
| Average earning assets | $189,500,670 | 2,957 |
| Average equity | $22,098,330 | 2,937 |
| Average total loans | $122,603,000 | 3,017 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 2,580 |
| Cost of funding earning assets | 0.4205% | 3,752 |
| Net interest margin | 3.8635% | 2,217 |
| Noninterest income to average assets | 0.1981% | 5,777 |
| Noninterest expense to average assets | 2.2061% | 5,447 |
| Loan and lease loss provision to assets | 0.1539% | 1,577 |
| Net operating income to assets | 1.3964% | 992 |
| Return on assets (ROA) | 1.3964% | 1,038 |
| Pretax return on assets | 1.4252% | 1,656 |
| Return on Equity (ROE) | 13.2445% | 1,099 |
| Retained earnings to average equity (ytd only) | 5.9473% | 2,572 |
| Net charge-offs to loans | 0.3802% | 957 |
| Credit loss provision to net charge-offs | 68.3761% | 2,021 |
| Earnings coverage of net charge-offs (x) | 7.0171% | 2,163 |
| Efficiency ratio | 58.2825% | 5,620 |
| Assets per employee ($millions) | 3.5090% | 4,903 |
| Cash dividends to net income (ytd only)* | 55.0964% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 3,257 |
| Loan loss allowance to noncurrent loans | 66.8018% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 2.2366% | 1,477 |
| Noncurrent loans to loans | 2.2104% | 1,642 |
| Net loans and leases to total assets | 59.4379% | 3,646 |
| Net loans and leases to deposits | 69.0114% | 3,736 |
| Net loans and leases to core deposits | 70.2379% | 4,060 |
| Total domestic deposits to total assets | 86.1277% | 3,296 |
| Equity capital to assets | 10.9979% | 2,711 |
| Core capital (leverage) ratio | 10.5776% | 2,836 |
| Tier 1 risk-based capital ratio | 15.5575% | 3,405 |
| Total risk-based capital ratio | 16.8077% | 3,370 |
| Memoranda: | ||
| Average total assets | $207,966,000 | 2,956 |
| Average earning assets | $193,091,500 | 2,933 |
| Average equity | $21,926,000 | 2,943 |
| Average total loans | $123,093,000 | 3,007 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 1,975 |
| Cost of funding earning assets | 0.4713% | 3,899 |
| Net interest margin | 4.0941% | 1,662 |
| Noninterest income to average assets | 0.1478% | 6,207 |
| Noninterest expense to average assets | 2.2045% | 5,617 |
| Loan and lease loss provision to assets | 0.1483% | 2,428 |
| Net operating income to assets | 1.5149% | 794 |
| Return on assets (ROA) | 1.5667% | 759 |
| Pretax return on assets | 1.6107% | 1,143 |
| Return on Equity (ROE) | 14.6526% | 821 |
| Retained earnings to average equity (ytd only) | 4.2954% | 3,120 |
| Net charge-offs to loans | 0.1373% | 3,428 |
| Credit loss provision to net charge-offs | 175.4386% | 1,303 |
| Earnings coverage of net charge-offs (x) | 20.1754% | 1,563 |
| Efficiency ratio | 56.3788% | 5,909 |
| Assets per employee ($millions) | 3.7931% | 4,278 |
| Cash dividends to net income (ytd only)* | 70.6848% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 3,201 |
| Loan loss allowance to noncurrent loans | 119.4319% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.5555% | 2,395 |
| Noncurrent loans to loans | 1.2552% | 3,029 |
| Net loans and leases to total assets | 57.2261% | 4,161 |
| Net loans and leases to deposits | 65.3237% | 4,379 |
| Net loans and leases to core deposits | 66.5093% | 4,657 |
| Total domestic deposits to total assets | 87.6038% | 2,417 |
| Equity capital to assets | 10.1072% | 3,627 |
| Core capital (leverage) ratio | 10.9028% | 2,472 |
| Tier 1 risk-based capital ratio | 15.0253% | 3,649 |
| Total risk-based capital ratio | 16.2760% | 3,589 |
| Memoranda: | ||
| Average total assets | $202,268,400 | 3,012 |
| Average earning assets | $185,877,600 | 3,013 |
| Average equity | $21,627,600 | 2,968 |
| Average total loans | $124,568,400 | 2,949 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 1,768 |
| Cost of funding earning assets | 0.4873% | 3,890 |
| Net interest margin | 4.1541% | 1,469 |
| Noninterest income to average assets | 0.1455% | 6,304 |
| Noninterest expense to average assets | 2.2036% | 5,599 |
| Loan and lease loss provision to assets | 0.1268% | 2,709 |
| Net operating income to assets | 1.5849% | 768 |
| Return on assets (ROA) | 1.6548% | 706 |
| Pretax return on assets | 1.6996% | 1,098 |
| Return on Equity (ROE) | 15.2546% | 762 |
| Retained earnings to average equity (ytd only) | 1.4707% | 5,398 |
| Net charge-offs to loans | 0.1730% | 2,841 |
| Credit loss provision to net charge-offs | 117.2840% | 2,005 |
| Earnings coverage of net charge-offs (x) | 16.2226% | 1,817 |
| Efficiency ratio | 55.6755% | 5,946 |
| Assets per employee ($millions) | 3.7447% | 4,361 |
| Cash dividends to net income (ytd only)* | 90.3590% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 3,911 |
| Loan loss allowance to noncurrent loans | 136.5340% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.9751% | 2,049 |
| Noncurrent loans to loans | 1.0224% | 3,756 |
| Net loans and leases to total assets | 63.4476% | 3,089 |
| Net loans and leases to deposits | 73.4184% | 3,331 |
| Net loans and leases to core deposits | 74.8915% | 3,748 |
| Total domestic deposits to total assets | 86.4192% | 3,015 |
| Equity capital to assets | 10.7419% | 3,018 |
| Core capital (leverage) ratio | 10.7997% | 2,668 |
| Tier 1 risk-based capital ratio | 14.7737% | 3,895 |
| Total risk-based capital ratio | 16.0080% | 3,871 |
| Memoranda: | ||
| Average total assets | $199,732,500 | 3,059 |
| Average earning assets | $183,300,000 | 3,065 |
| Average equity | $21,667,250 | 3,000 |
| Average total loans | $124,859,250 | 2,960 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 1,888 |
| Cost of funding earning assets | 0.5020% | 3,876 |
| Net interest margin | 4.0852% | 1,583 |
| Noninterest income to average assets | 0.1132% | 6,484 |
| Noninterest expense to average assets | 2.1469% | 5,754 |
| Loan and lease loss provision to assets | 0.1192% | 2,833 |
| Net operating income to assets | 1.5424% | 830 |
| Return on assets (ROA) | 1.6465% | 753 |
| Pretax return on assets | 1.6961% | 1,123 |
| Return on Equity (ROE) | 15.1296% | 789 |
| Retained earnings to average equity (ytd only) | 1.9893% | 5,004 |
| Net charge-offs to loans | 0.1652% | 2,794 |
| Credit loss provision to net charge-offs | 116.5049% | 1,903 |
| Earnings coverage of net charge-offs (x) | 16.6990% | 1,648 |
| Efficiency ratio | 55.6929% | 5,999 |
| Assets per employee ($millions) | 3.6178% | 4,579 |
| Cash dividends to net income (ytd only)* | 86.8516% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 4,147 |
| Loan loss allowance to noncurrent loans | 235.5014% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 1.7378% | 2,507 |
| Noncurrent loans to loans | 0.5838% | 4,797 |
| Net loans and leases to total assets | 63.8140% | 2,944 |
| Net loans and leases to deposits | 73.1035% | 3,281 |
| Net loans and leases to core deposits | 74.5014% | 3,729 |
| Total domestic deposits to total assets | 87.2927% | 2,663 |
| Equity capital to assets | 10.5748% | 3,200 |
| Core capital (leverage) ratio | 10.6034% | 2,762 |
| Tier 1 risk-based capital ratio | 14.6426% | 4,004 |
| Total risk-based capital ratio | 15.8594% | 3,986 |
| Memoranda: | ||
| Average total assets | $201,402,330 | 3,057 |
| Average earning assets | $184,471,330 | 3,054 |
| Average equity | $21,917,330 | 2,998 |
| Average total loans | $124,713,670 | 2,975 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5238% | 2,089 |
| Cost of funding earning assets | 0.5210% | 3,878 |
| Net interest margin | 4.0028% | 1,770 |
| Noninterest income to average assets | 0.3052% | 5,254 |
| Noninterest expense to average assets | 2.2189% | 5,637 |
| Loan and lease loss provision to assets | 0.2348% | 1,553 |
| Net operating income to assets | 1.4602% | 937 |
| Return on assets (ROA) | 1.6652% | 697 |
| Pretax return on assets | 1.7160% | 1,039 |
| Return on Equity (ROE) | 15.0977% | 750 |
| Retained earnings to average equity (ytd only) | 9.7754% | 1,164 |
| Net charge-offs to loans | 0.1066% | 2,808 |
| Credit loss provision to net charge-offs | 363.6364% | 689 |
| Earnings coverage of net charge-offs (x) | 26.9394% | 1,017 |
| Efficiency ratio | 56.0554% | 6,058 |
| Assets per employee ($millions) | 3.8220% | 4,309 |
| Cash dividends to net income (ytd only)* | 35.2526% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 3,987 |
| Loan loss allowance to noncurrent loans | 1,434.9206% | 345 |
| Noncurrent assets plus other real estate owned to assets | 1.8381% | 2,560 |
| Noncurrent loans to loans | 0.1015% | 6,176 |
| Net loans and leases to total assets | 61.5225% | 3,165 |
| Net loans and leases to deposits | 71.0651% | 3,316 |
| Net loans and leases to core deposits | 72.4093% | 3,769 |
| Total domestic deposits to total assets | 86.5720% | 3,199 |
| Equity capital to assets | 11.3876% | 2,541 |
| Core capital (leverage) ratio | 10.4708% | 2,820 |
| Tier 1 risk-based capital ratio | 15.0037% | 3,831 |
| Total risk-based capital ratio | 16.2543% | 3,791 |
| Memoranda: | ||
| Average total assets | $204,423,500 | 3,044 |
| Average earning assets | $186,567,500 | 3,064 |
| Average equity | $22,546,500 | 2,977 |
| Average total loans | $123,868,000 | 3,017 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 2,740 |
| Cost of funding earning assets | 0.6336% | 4,061 |
| Net interest margin | 4.0300% | 2,273 |
| Noninterest income to average assets | 0.0784% | 6,591 |
| Noninterest expense to average assets | 2.3524% | 5,555 |
| Loan and lease loss provision to assets | 0.0980% | 4,421 |
| Net operating income to assets | 1.2479% | 1,455 |
| Return on assets (ROA) | 1.2479% | 1,614 |
| Pretax return on assets | 1.2881% | 2,459 |
| Return on Equity (ROE) | 11.6349% | 1,612 |
| Retained earnings to average equity (ytd only) | 3.5982% | 3,675 |
| Net charge-offs to loans | 0.4520% | 2,423 |
| Credit loss provision to net charge-offs | 35.5240% | 5,013 |
| Earnings coverage of net charge-offs (x) | 5.0266% | 3,173 |
| Efficiency ratio | 62.9241% | 5,093 |
| Assets per employee ($millions) | 3.7519% | 4,467 |
| Cash dividends to net income (ytd only)* | 69.0738% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 4,208 |
| Loan loss allowance to noncurrent loans | 133.6180% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.8681% | 2,616 |
| Noncurrent loans to loans | 1.0416% | 4,132 |
| Net loans and leases to total assets | 58.0357% | 3,973 |
| Net loans and leases to deposits | 66.4748% | 4,207 |
| Net loans and leases to core deposits | 67.9783% | 4,533 |
| Total domestic deposits to total assets | 87.3049% | 2,643 |
| Equity capital to assets | 10.6904% | 3,292 |
| Core capital (leverage) ratio | 10.5438% | 2,715 |
| Tier 1 risk-based capital ratio | 14.4602% | 4,061 |
| Total risk-based capital ratio | 15.6626% | 4,044 |
| Memoranda: | ||
| Average total assets | $204,177,800 | 2,997 |
| Average earning assets | $185,435,400 | 3,023 |
| Average equity | $21,899,600 | 2,989 |
| Average total loans | $124,545,600 | 2,989 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 2,831 |
| Cost of funding earning assets | 0.6562% | 4,141 |
| Net interest margin | 4.0376% | 2,348 |
| Noninterest income to average assets | 0.1217% | 6,526 |
| Noninterest expense to average assets | 2.3253% | 5,614 |
| Loan and lease loss provision to assets | 0.1316% | 3,902 |
| Net operating income to assets | 1.2965% | 1,447 |
| Return on assets (ROA) | 1.2965% | 1,592 |
| Pretax return on assets | 1.3360% | 2,473 |
| Return on Equity (ROE) | 12.0773% | 1,608 |
| Retained earnings to average equity (ytd only) | 1.5380% | 5,568 |
| Net charge-offs to loans | 0.4777% | 2,187 |
| Credit loss provision to net charge-offs | 44.7427% | 4,515 |
| Earnings coverage of net charge-offs (x) | 4.9910% | 3,143 |
| Efficiency ratio | 61.3077% | 5,261 |
| Assets per employee ($millions) | 3.3714% | 5,277 |
| Cash dividends to net income (ytd only)* | 87.2656% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 4,107 |
| Loan loss allowance to noncurrent loans | 499.1848% | 771 |
| Noncurrent assets plus other real estate owned to assets | 1.8671% | 2,835 |
| Noncurrent loans to loans | 0.2927% | 5,906 |
| Net loans and leases to total assets | 63.3593% | 3,142 |
| Net loans and leases to deposits | 73.7293% | 3,332 |
| Net loans and leases to core deposits | 77.4192% | 3,541 |
| Total domestic deposits to total assets | 85.9350% | 3,291 |
| Equity capital to assets | 11.2487% | 2,984 |
| Core capital (leverage) ratio | 10.2510% | 3,221 |
| Tier 1 risk-based capital ratio | 14.1585% | 4,409 |
| Total risk-based capital ratio | 15.4093% | 4,371 |
| Memoranda: | ||
| Average total assets | $202,696,000 | 3,044 |
| Average earning assets | $184,295,750 | 3,064 |
| Average equity | $21,759,250 | 3,029 |
| Average total loans | $124,767,750 | 3,020 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 3,151 |
| Cost of funding earning assets | 0.6774% | 4,201 |
| Net interest margin | 3.9695% | 2,636 |
| Noninterest income to average assets | 0.2799% | 5,570 |
| Noninterest expense to average assets | 2.3327% | 5,654 |
| Loan and lease loss provision to assets | 0.1950% | 3,134 |
| Net operating income to assets | 1.3117% | 1,412 |
| Return on assets (ROA) | 1.3117% | 1,560 |
| Pretax return on assets | 1.3526% | 2,382 |
| Return on Equity (ROE) | 12.4076% | 1,533 |
| Retained earnings to average equity (ytd only) | 2.0756% | 5,163 |
| Net charge-offs to loans | 0.4500% | 2,254 |
| Credit loss provision to net charge-offs | 71.4286% | 3,522 |
| Earnings coverage of net charge-offs (x) | 5.6679% | 2,784 |
| Efficiency ratio | 60.1156% | 5,557 |
| Assets per employee ($millions) | 3.4219% | 5,161 |
| Cash dividends to net income (ytd only)* | 83.2714% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 3,543 |
| Loan loss allowance to noncurrent loans | 153.6043% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 2.0320% | 2,743 |
| Noncurrent loans to loans | 1.0535% | 4,410 |
| Net loans and leases to total assets | 61.3566% | 3,560 |
| Net loans and leases to deposits | 70.6184% | 3,805 |
| Net loans and leases to core deposits | 73.9734% | 4,038 |
| Total domestic deposits to total assets | 86.8847% | 2,841 |
| Equity capital to assets | 10.9774% | 3,147 |
| Core capital (leverage) ratio | 9.9796% | 3,446 |
| Tier 1 risk-based capital ratio | 14.2712% | 4,256 |
| Total risk-based capital ratio | 15.5231% | 4,215 |
| Memoranda: | ||
| Average total assets | $205,080,670 | 3,030 |
| Average earning assets | $186,017,330 | 3,039 |
| Average equity | $21,680,330 | 3,021 |
| Average total loans | $124,446,670 | 3,034 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 3,366 |
| Cost of funding earning assets | 0.7030% | 4,252 |
| Net interest margin | 3.9250% | 2,823 |
| Noninterest income to average assets | 0.3474% | 5,078 |
| Noninterest expense to average assets | 2.2362% | 5,949 |
| Loan and lease loss provision to assets | 0.2303% | 2,642 |
| Net operating income to assets | 1.3821% | 1,253 |
| Return on assets (ROA) | 1.3821% | 1,401 |
| Pretax return on assets | 1.4281% | 2,093 |
| Return on Equity (ROE) | 13.3167% | 1,318 |
| Retained earnings to average equity (ytd only) | 13.3167% | 639 |
| Net charge-offs to loans | 0.2212% | 2,814 |
| Credit loss provision to net charge-offs | 173.9130% | 1,468 |
| Earnings coverage of net charge-offs (x) | 12.5217% | 1,593 |
| Efficiency ratio | 57.4174% | 5,987 |
| Assets per employee ($millions) | 3.5095% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 3,292 |
| Loan loss allowance to noncurrent loans | 160.8892% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 2.1553% | 2,724 |
| Noncurrent loans to loans | 1.0649% | 4,575 |
| Net loans and leases to total assets | 60.1727% | 3,628 |
| Net loans and leases to deposits | 69.0283% | 3,870 |
| Net loans and leases to core deposits | 71.8671% | 4,174 |
| Total domestic deposits to total assets | 87.1711% | 2,852 |
| Equity capital to assets | 10.8269% | 3,110 |
| Core capital (leverage) ratio | 10.1015% | 3,238 |
| Tier 1 risk-based capital ratio | 14.5025% | 4,106 |
| Total risk-based capital ratio | 15.7553% | 4,062 |
| Memoranda: | ||
| Average total assets | $208,385,500 | 3,007 |
| Average earning assets | $188,329,000 | 3,032 |
| Average equity | $21,627,000 | 3,020 |
| Average total loans | $124,781,000 | 3,050 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8124% | 3,753 |
| Cost of funding earning assets | 0.8012% | 4,859 |
| Net interest margin | 4.0112% | 2,832 |
| Noninterest income to average assets | 0.2557% | 5,701 |
| Noninterest expense to average assets | 2.2574% | 6,148 |
| Loan and lease loss provision to assets | 0.2533% | 3,672 |
| Net operating income to assets | 1.3639% | 1,100 |
| Return on assets (ROA) | 1.3639% | 1,191 |
| Pretax return on assets | 1.4044% | 1,777 |
| Return on Equity (ROE) | 14.1690% | 893 |
| Retained earnings to average equity (ytd only) | 4.1249% | 3,247 |
| Net charge-offs to loans | 0.6113% | 2,614 |
| Credit loss provision to net charge-offs | 66.6244% | 4,978 |
| Earnings coverage of net charge-offs (x) | 4.3604% | 3,146 |
| Efficiency ratio | 57.6587% | 6,096 |
| Assets per employee ($millions) | 3.6139% | 4,736 |
| Cash dividends to net income (ytd only)* | 70.8879% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6679% | 3,310 |
| Loan loss allowance to noncurrent loans | 337.7634% | 990 |
| Noncurrent assets plus other real estate owned to assets | 1.7897% | 3,267 |
| Noncurrent loans to loans | 0.4938% | 5,721 |
| Net loans and leases to total assets | 57.6216% | 4,441 |
| Net loans and leases to deposits | 66.3749% | 4,686 |
| Net loans and leases to core deposits | 68.7413% | 4,941 |
| Total domestic deposits to total assets | 86.8123% | 2,867 |
| Equity capital to assets | 9.9502% | 4,228 |
| Core capital (leverage) ratio | 9.8625% | 3,502 |
| Tier 1 risk-based capital ratio | 13.7362% | 4,533 |
| Total risk-based capital ratio | 14.9885% | 4,492 |
| Memoranda: | ||
| Average total assets | $207,277,400 | 2,978 |
| Average earning assets | $189,093,400 | 2,977 |
| Average equity | $19,952,000 | 3,159 |
| Average total loans | $128,895,600 | 2,998 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8504% | 3,778 |
| Cost of funding earning assets | 0.8334% | 4,915 |
| Net interest margin | 4.0170% | 2,844 |
| Noninterest income to average assets | 0.3343% | 5,184 |
| Noninterest expense to average assets | 2.2436% | 6,182 |
| Loan and lease loss provision to assets | 0.2475% | 3,530 |
| Net operating income to assets | 1.4759% | 991 |
| Return on assets (ROA) | 1.4759% | 1,073 |
| Pretax return on assets | 1.5251% | 1,592 |
| Return on Equity (ROE) | 15.4678% | 753 |
| Retained earnings to average equity (ytd only) | 4.7123% | 3,369 |
| Net charge-offs to loans | 0.6354% | 2,341 |
| Credit loss provision to net charge-offs | 61.7124% | 4,755 |
| Earnings coverage of net charge-offs (x) | 4.4200% | 3,076 |
| Efficiency ratio | 55.8638% | 6,298 |
| Assets per employee ($millions) | 3.4046% | 5,237 |
| Cash dividends to net income (ytd only)* | 69.5347% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 3,395 |
| Loan loss allowance to noncurrent loans | 523.5732% | 632 |
| Noncurrent assets plus other real estate owned to assets | 1.9043% | 3,260 |
| Noncurrent loans to loans | 0.3180% | 6,213 |
| Net loans and leases to total assets | 61.0039% | 3,942 |
| Net loans and leases to deposits | 71.0911% | 4,128 |
| Net loans and leases to core deposits | 73.9391% | 4,452 |
| Total domestic deposits to total assets | 85.8109% | 3,320 |
| Equity capital to assets | 10.2547% | 4,014 |
| Core capital (leverage) ratio | 9.7940% | 3,714 |
| Tier 1 risk-based capital ratio | 13.6918% | 4,584 |
| Total risk-based capital ratio | 14.9440% | 4,548 |
| Memoranda: | ||
| Average total assets | $205,791,250 | 3,008 |
| Average earning assets | $188,625,500 | 2,993 |
| Average equity | $19,636,000 | 3,202 |
| Average total loans | $129,883,000 | 3,012 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8627% | 3,796 |
| Cost of funding earning assets | 0.8548% | 5,027 |
| Net interest margin | 4.0079% | 2,799 |
| Noninterest income to average assets | 0.2899% | 5,556 |
| Noninterest expense to average assets | 2.2240% | 6,318 |
| Loan and lease loss provision to assets | 0.2734% | 3,204 |
| Net operating income to assets | 1.4222% | 1,041 |
| Return on assets (ROA) | 1.4222% | 1,102 |
| Pretax return on assets | 1.4746% | 1,601 |
| Return on Equity (ROE) | 15.2823% | 746 |
| Retained earnings to average equity (ytd only) | 2.9481% | 4,404 |
| Net charge-offs to loans | 0.8982% | 1,733 |
| Credit loss provision to net charge-offs | 47.9592% | 4,634 |
| Earnings coverage of net charge-offs (x) | 3.0663% | 3,322 |
| Efficiency ratio | 55.9922% | 6,425 |
| Assets per employee ($millions) | 3.5140% | 4,906 |
| Cash dividends to net income (ytd only)* | 80.7089% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 3,770 |
| Loan loss allowance to noncurrent loans | 454.5657% | 731 |
| Noncurrent assets plus other real estate owned to assets | 1.9286% | 3,337 |
| Noncurrent loans to loans | 0.3480% | 6,223 |
| Net loans and leases to total assets | 63.3927% | 3,601 |
| Net loans and leases to deposits | 73.2694% | 3,904 |
| Net loans and leases to core deposits | 76.4755% | 4,252 |
| Total domestic deposits to total assets | 86.5200% | 3,029 |
| Equity capital to assets | 9.9178% | 4,254 |
| Core capital (leverage) ratio | 9.6675% | 3,709 |
| Tier 1 risk-based capital ratio | 13.3717% | 4,630 |
| Total risk-based capital ratio | 14.6234% | 4,613 |
| Memoranda: | ||
| Average total assets | $206,296,000 | 3,017 |
| Average earning assets | $189,525,330 | 3,003 |
| Average equity | $19,198,670 | 3,245 |
| Average total loans | $130,935,000 | 3,023 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7765% | 4,167 |
| Cost of funding earning assets | 0.8817% | 5,055 |
| Net interest margin | 3.8948% | 3,165 |
| Noninterest income to average assets | 0.3765% | 4,904 |
| Noninterest expense to average assets | 2.2303% | 6,359 |
| Loan and lease loss provision to assets | 0.2542% | 3,112 |
| Net operating income to assets | 1.4238% | 1,026 |
| Return on assets (ROA) | 1.4238% | 1,058 |
| Pretax return on assets | 1.4716% | 1,528 |
| Return on Equity (ROE) | 15.7960% | 700 |
| Retained earnings to average equity (ytd only) | 8.5023% | 1,555 |
| Net charge-offs to loans | 0.0061% | 5,041 |
| Credit loss provision to net charge-offs | 6,650.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 451.5000% | 57 |
| Efficiency ratio | 56.3768% | 6,460 |
| Assets per employee ($millions) | 3.4619% | 5,090 |
| Cash dividends to net income (ytd only)* | 46.1745% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8790% | 2,761 |
| Loan loss allowance to noncurrent loans | 228.1768% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 2.3549% | 2,891 |
| Noncurrent loans to loans | 0.8235% | 5,384 |
| Net loans and leases to total assets | 63.3527% | 3,574 |
| Net loans and leases to deposits | 72.7336% | 3,958 |
| Net loans and leases to core deposits | 76.1949% | 4,278 |
| Total domestic deposits to total assets | 87.1024% | 2,890 |
| Equity capital to assets | 9.4686% | 4,482 |
| Core capital (leverage) ratio | 9.3540% | 4,049 |
| Tier 1 risk-based capital ratio | 13.1968% | 4,670 |
| Total risk-based capital ratio | 14.4523% | 4,640 |
| Memoranda: | ||
| Average total assets | $209,296,000 | 2,994 |
| Average earning assets | $192,360,000 | 2,980 |
| Average equity | $18,865,500 | 3,270 |
| Average total loans | $131,895,500 | 3,037 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1588% | 3,809 |
| Cost of funding earning assets | 1.1040% | 5,116 |
| Net interest margin | 4.0548% | 2,779 |
| Noninterest income to average assets | 0.3031% | 5,633 |
| Noninterest expense to average assets | 2.2429% | 6,502 |
| Loan and lease loss provision to assets | 0.3808% | 3,832 |
| Net operating income to assets | 1.3883% | 975 |
| Return on assets (ROA) | 1.3883% | 1,045 |
| Pretax return on assets | 1.4197% | 1,597 |
| Return on Equity (ROE) | 14.7059% | 760 |
| Retained earnings to average equity (ytd only) | 3.6595% | 3,297 |
| Net charge-offs to loans | 0.4975% | 3,642 |
| Credit loss provision to net charge-offs | 110.0186% | 4,005 |
| Earnings coverage of net charge-offs (x) | 5.2022% | 2,685 |
| Efficiency ratio | 55.4709% | 6,659 |
| Assets per employee ($millions) | 3.9351% | 3,927 |
| Cash dividends to net income (ytd only)* | 75.1156% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 3,361 |
| Loan loss allowance to noncurrent loans | 56.5806% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 2.1482% | 3,155 |
| Noncurrent loans to loans | 2.9318% | 2,603 |
| Net loans and leases to total assets | 61.4524% | 4,405 |
| Net loans and leases to deposits | 70.0151% | 4,815 |
| Net loans and leases to core deposits | 72.5571% | 5,157 |
| Total domestic deposits to total assets | 87.7702% | 2,379 |
| Equity capital to assets | 8.5616% | 5,773 |
| Core capital (leverage) ratio | 9.6476% | 3,489 |
| Tier 1 risk-based capital ratio | 12.8745% | 4,705 |
| Total risk-based capital ratio | 14.1279% | 4,675 |
| Memoranda: | ||
| Average total assets | $155,733,200 | 3,779 |
| Average earning assets | $143,656,600 | 3,746 |
| Average equity | $14,701,600 | 3,993 |
| Average total loans | $108,343,800 | 3,586 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2616% | 3,525 |
| Cost of funding earning assets | 1.1484% | 5,157 |
| Net interest margin | 4.1132% | 2,564 |
| Noninterest income to average assets | 0.3334% | 5,494 |
| Noninterest expense to average assets | 2.2568% | 6,447 |
| Loan and lease loss provision to assets | 0.3001% | 4,173 |
| Net operating income to assets | 1.5331% | 860 |
| Return on assets (ROA) | 1.5331% | 941 |
| Pretax return on assets | 1.5690% | 1,423 |
| Return on Equity (ROE) | 15.8312% | 729 |
| Retained earnings to average equity (ytd only) | 1.1566% | 5,356 |
| Net charge-offs to loans | 0.1346% | 5,221 |
| Credit loss provision to net charge-offs | 311.8182% | 1,014 |
| Earnings coverage of net charge-offs (x) | 19.4186% | 1,213 |
| Efficiency ratio | 54.6978% | 6,722 |
| Assets per employee ($millions) | 3.4020% | 5,202 |
| Cash dividends to net income (ytd only)* | 92.6942% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7846% | 2,835 |
| Loan loss allowance to noncurrent loans | 1,056.2842% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 6,133 |
| Noncurrent loans to loans | 0.1690% | 6,845 |
| Net loans and leases to total assets | 71.0696% | 2,472 |
| Net loans and leases to deposits | 83.3140% | 2,834 |
| Net loans and leases to core deposits | 87.4521% | 3,452 |
| Total domestic deposits to total assets | 85.3033% | 3,462 |
| Equity capital to assets | 10.1024% | 4,017 |
| Core capital (leverage) ratio | 9.7958% | 3,492 |
| Tier 1 risk-based capital ratio | 12.8200% | 4,715 |
| Total risk-based capital ratio | 14.0759% | 4,697 |
| Memoranda: | ||
| Average total assets | $152,364,250 | 3,890 |
| Average earning assets | $140,486,250 | 3,861 |
| Average equity | $14,755,250 | 4,044 |
| Average total loans | $108,995,500 | 3,623 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2263% | 3,821 |
| Cost of funding earning assets | 1.1671% | 5,303 |
| Net interest margin | 4.0592% | 2,752 |
| Noninterest income to average assets | 0.3106% | 5,681 |
| Noninterest expense to average assets | 2.1611% | 6,741 |
| Loan and lease loss provision to assets | 0.2897% | 4,071 |
| Net operating income to assets | 1.5556% | 806 |
| Return on assets (ROA) | 1.5556% | 862 |
| Pretax return on assets | 1.5908% | 1,325 |
| Return on Equity (ROE) | 16.2919% | 666 |
| Retained earnings to average equity (ytd only) | 0.9294% | 5,388 |
| Net charge-offs to loans | 0.1556% | 4,701 |
| Credit loss provision to net charge-offs | 261.1765% | 1,455 |
| Earnings coverage of net charge-offs (x) | 16.9529% | 1,379 |
| Efficiency ratio | 53.4711% | 6,937 |
| Assets per employee ($millions) | 3.3833% | 5,234 |
| Cash dividends to net income (ytd only)* | 94.2953% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6860% | 3,134 |
| Loan loss allowance to noncurrent loans | 651.4184% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.6261% | 5,927 |
| Noncurrent loans to loans | 0.2588% | 6,714 |
| Net loans and leases to total assets | 71.9560% | 2,415 |
| Net loans and leases to deposits | 84.3090% | 2,819 |
| Net loans and leases to core deposits | 90.0514% | 3,250 |
| Total domestic deposits to total assets | 85.3479% | 3,443 |
| Equity capital to assets | 9.8592% | 4,186 |
| Core capital (leverage) ratio | 9.5413% | 3,757 |
| Tier 1 risk-based capital ratio | 12.7170% | 4,672 |
| Total risk-based capital ratio | 13.9715% | 4,644 |
| Memoranda: | ||
| Average total assets | $153,256,670 | 3,898 |
| Average earning assets | $140,864,670 | 3,888 |
| Average equity | $14,633,000 | 4,067 |
| Average total loans | $109,222,330 | 3,658 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 4,129 |
| Cost of funding earning assets | 1.1715% | 5,549 |
| Net interest margin | 4.0089% | 2,842 |
| Noninterest income to average assets | 0.3499% | 5,339 |
| Noninterest expense to average assets | 2.1486% | 6,809 |
| Loan and lease loss provision to assets | 0.3499% | 3,282 |
| Net operating income to assets | 1.4898% | 906 |
| Return on assets (ROA) | 1.4898% | 980 |
| Pretax return on assets | 1.5233% | 1,461 |
| Return on Equity (ROE) | 15.8511% | 739 |
| Retained earnings to average equity (ytd only) | 4.2434% | 3,607 |
| Net charge-offs to loans | 0.0585% | 4,829 |
| Credit loss provision to net charge-offs | 850.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 610 |
| Efficiency ratio | 53.4229% | 7,027 |
| Assets per employee ($millions) | 3.0842% | 6,034 |
| Cash dividends to net income (ytd only)* | 73.2297% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 3,050 |
| Loan loss allowance to noncurrent loans | 451.6129% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.7438% | 5,666 |
| Noncurrent loans to loans | 0.3774% | 6,535 |
| Net loans and leases to total assets | 69.4584% | 3,062 |
| Net loans and leases to deposits | 81.0459% | 3,453 |
| Net loans and leases to core deposits | 89.5755% | 3,421 |
| Total domestic deposits to total assets | 85.7026% | 3,314 |
| Equity capital to assets | 9.7270% | 4,192 |
| Core capital (leverage) ratio | 9.3964% | 3,910 |
| Tier 1 risk-based capital ratio | 12.9192% | 4,394 |
| Total risk-based capital ratio | 14.1736% | 4,366 |
| Memoranda: | ||
| Average total assets | $155,452,000 | 3,918 |
| Average earning assets | $142,381,500 | 3,906 |
| Average equity | $14,611,000 | 4,094 |
| Average total loans | $109,356,000 | 3,696 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6350% | 3,415 |
| Cost of funding earning assets | 1.4458% | 5,736 |
| Net interest margin | 4.1892% | 2,107 |
| Noninterest income to average assets | 0.3810% | 5,365 |
| Noninterest expense to average assets | 2.3437% | 6,620 |
| Loan and lease loss provision to assets | 0.3683% | 4,581 |
| Net operating income to assets | 1.4933% | 682 |
| Return on assets (ROA) | 1.4933% | 734 |
| Pretax return on assets | 1.4953% | 1,198 |
| Return on Equity (ROE) | 16.0353% | 552 |
| Retained earnings to average equity (ytd only) | -0.7910% | 5,201 |
| Net charge-offs to loans | 0.0644% | 6,466 |
| Credit loss provision to net charge-offs | 774.6479% | 378 |
| Earnings coverage of net charge-offs (x) | 39.1972% | 610 |
| Efficiency ratio | 55.7059% | 7,051 |
| Assets per employee ($millions) | 3.3996% | 5,260 |
| Cash dividends to net income (ytd only)* | 104.9327% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 3,627 |
| Loan loss allowance to noncurrent loans | 357.8947% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 5,610 |
| Noncurrent loans to loans | 0.4244% | 6,419 |
| Net loans and leases to total assets | 68.9847% | 3,493 |
| Net loans and leases to deposits | 80.2953% | 3,934 |
| Net loans and leases to core deposits | 92.2770% | 4,853 |
| Total domestic deposits to total assets | 85.9137% | 3,060 |
| Equity capital to assets | 9.0888% | 5,004 |
| Core capital (leverage) ratio | 9.7851% | 3,343 |
| Tier 1 risk-based capital ratio | 12.0849% | 4,869 |
| Total risk-based capital ratio | 13.3368% | 4,831 |
| Memoranda: | ||
| Average total assets | $149,333,600 | 3,968 |
| Average earning assets | $136,398,400 | 3,974 |
| Average equity | $13,906,800 | 4,278 |
| Average total loans | $110,183,600 | 3,689 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7045% | 3,319 |
| Cost of funding earning assets | 1.5254% | 5,728 |
| Net interest margin | 4.1791% | 2,124 |
| Noninterest income to average assets | 0.3762% | 5,499 |
| Noninterest expense to average assets | 2.4045% | 6,402 |
| Loan and lease loss provision to assets | 0.1799% | 5,565 |
| Net operating income to assets | 1.5766% | 694 |
| Return on assets (ROA) | 1.5766% | 749 |
| Pretax return on assets | 1.6157% | 1,145 |
| Return on Equity (ROE) | 16.8202% | 563 |
| Retained earnings to average equity (ytd only) | -5.8653% | 6,373 |
| Net charge-offs to loans | 0.0790% | 5,887 |
| Credit loss provision to net charge-offs | 304.6154% | 1,354 |
| Earnings coverage of net charge-offs (x) | 30.4016% | 930 |
| Efficiency ratio | 57.2479% | 6,835 |
| Assets per employee ($millions) | 3.2528% | 5,513 |
| Cash dividends to net income (ytd only)* | 134.8700% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 5,147 |
| Loan loss allowance to noncurrent loans | 752.2222% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 5,888 |
| Noncurrent loans to loans | 0.1588% | 7,089 |
| Net loans and leases to total assets | 76.4977% | 1,894 |
| Net loans and leases to deposits | 94.1354% | 1,861 |
| Net loans and leases to core deposits | 111.4811% | 3,073 |
| Total domestic deposits to total assets | 81.2634% | 4,974 |
| Equity capital to assets | 9.8157% | 4,329 |
| Core capital (leverage) ratio | 9.7349% | 3,595 |
| Tier 1 risk-based capital ratio | 11.8386% | 5,115 |
| Total risk-based capital ratio | 12.9832% | 5,158 |
| Memoranda: | ||
| Average total assets | $146,722,250 | 4,027 |
| Average earning assets | $134,253,000 | 4,034 |
| Average equity | $13,753,000 | 4,348 |
| Average total loans | $109,748,750 | 3,735 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6707% | 3,710 |
| Cost of funding earning assets | 1.5700% | 5,840 |
| Net interest margin | 4.1007% | 2,319 |
| Noninterest income to average assets | 0.3460% | 5,736 |
| Noninterest expense to average assets | 2.4340% | 6,360 |
| Loan and lease loss provision to assets | 0.1158% | 5,986 |
| Net operating income to assets | 1.4983% | 840 |
| Return on assets (ROA) | 1.4983% | 899 |
| Pretax return on assets | 1.5282% | 1,374 |
| Return on Equity (ROE) | 16.2386% | 667 |
| Retained earnings to average equity (ytd only) | -12.4004% | 7,078 |
| Net charge-offs to loans | 0.1087% | 5,069 |
| Credit loss provision to net charge-offs | 144.0678% | 3,214 |
| Earnings coverage of net charge-offs (x) | 20.4576% | 1,312 |
| Efficiency ratio | 59.6860% | 6,594 |
| Assets per employee ($millions) | 3.0816% | 5,915 |
| Cash dividends to net income (ytd only)* | 176.3636% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 5,362 |
| Loan loss allowance to noncurrent loans | 312.5313% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 5,443 |
| Noncurrent loans to loans | 0.3631% | 6,606 |
| Net loans and leases to total assets | 75.0007% | 2,433 |
| Net loans and leases to deposits | 88.5935% | 3,071 |
| Net loans and leases to core deposits | 105.5245% | 3,893 |
| Total domestic deposits to total assets | 84.6571% | 3,415 |
| Equity capital to assets | 9.1724% | 5,063 |
| Core capital (leverage) ratio | 9.5809% | 3,779 |
| Tier 1 risk-based capital ratio | 11.8982% | 5,001 |
| Total risk-based capital ratio | 12.9758% | 5,097 |
| Memoranda: | ||
| Average total assets | $146,837,330 | 4,057 |
| Average earning assets | $133,634,670 | 4,073 |
| Average equity | $13,548,000 | 4,407 |
| Average total loans | $108,555,330 | 3,800 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6354% | 4,137 |
| Cost of funding earning assets | 1.6135% | 5,975 |
| Net interest margin | 4.0219% | 2,568 |
| Noninterest income to average assets | 0.3544% | 5,606 |
| Noninterest expense to average assets | 2.4567% | 6,002 |
| Loan and lease loss provision to assets | 0.1001% | 5,684 |
| Net operating income to assets | 1.4205% | 1,098 |
| Return on assets (ROA) | 1.4205% | 1,185 |
| Pretax return on assets | 1.4529% | 1,809 |
| Return on Equity (ROE) | 15.3514% | 910 |
| Retained earnings to average equity (ytd only) | -16.8135% | 7,525 |
| Net charge-offs to loans | 0.0260% | 5,174 |
| Credit loss provision to net charge-offs | 528.5714% | 1,043 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 513 |
| Efficiency ratio | 61.2686% | 6,207 |
| Assets per employee ($millions) | 3.0941% | 5,904 |
| Cash dividends to net income (ytd only)* | 209.5238% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 5,160 |
| Loan loss allowance to noncurrent loans | 132.5212% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 4,222 |
| Noncurrent loans to loans | 0.8640% | 5,289 |
| Net loans and leases to total assets | 75.8877% | 2,293 |
| Net loans and leases to deposits | 91.2001% | 2,743 |
| Net loans and leases to core deposits | 108.8108% | 3,582 |
| Total domestic deposits to total assets | 83.2101% | 4,043 |
| Equity capital to assets | 9.4597% | 4,731 |
| Core capital (leverage) ratio | 9.4608% | 4,035 |
| Tier 1 risk-based capital ratio | 12.2415% | 4,755 |
| Total risk-based capital ratio | 13.3326% | 4,786 |
| Memoranda: | ||
| Average total assets | $147,838,000 | 4,050 |
| Average earning assets | $134,365,000 | 4,065 |
| Average equity | $13,679,500 | 4,406 |
| Average total loans | $107,895,500 | 3,846 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2946% | 3,987 |
| Cost of funding earning assets | 2.0667% | 6,177 |
| Net interest margin | 4.2279% | 2,200 |
| Noninterest income to average assets | 0.4450% | 5,074 |
| Noninterest expense to average assets | 2.3147% | 6,652 |
| Loan and lease loss provision to assets | 0.1267% | 5,744 |
| Net operating income to assets | 1.8498% | 493 |
| Return on assets (ROA) | 1.8498% | 477 |
| Pretax return on assets | 1.8902% | 782 |
| Return on Equity (ROE) | 19.5454% | 411 |
| Retained earnings to average equity (ytd only) | 6.6695% | 1,270 |
| Net charge-offs to loans | 0.0355% | 6,306 |
| Credit loss provision to net charge-offs | 486.8421% | 897 |
| Earnings coverage of net charge-offs (x) | 77.5263% | 530 |
| Efficiency ratio | 53.4376% | 7,335 |
| Assets per employee ($millions) | 3.1947% | 5,497 |
| Cash dividends to net income (ytd only)* | 65.8771% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 4,953 |
| Loan loss allowance to noncurrent loans | 632.6425% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 5,268 |
| Noncurrent loans to loans | 0.1812% | 6,846 |
| Net loans and leases to total assets | 68.6735% | 4,327 |
| Net loans and leases to deposits | 80.1510% | 5,024 |
| Net loans and leases to core deposits | 89.7552% | 5,821 |
| Total domestic deposits to total assets | 85.6801% | 2,545 |
| Equity capital to assets | 9.0612% | 5,283 |
| Core capital (leverage) ratio | 10.2247% | 3,241 |
| Tier 1 risk-based capital ratio | 12.7097% | 4,284 |
| Total risk-based capital ratio | 13.7719% | 4,324 |
| Memoranda: | ||
| Average total assets | $146,067,600 | 3,972 |
| Average earning assets | $134,274,200 | 3,969 |
| Average equity | $13,824,200 | 4,380 |
| Average total loans | $107,010,600 | 3,769 |