Home > The National Bank of Middlebury > Performance and Condition Ratios
The National Bank of Middlebury, 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 | 3.6523% | 4,312 |
| Cost of funding earning assets | 0.7887% | 3,773 |
| Net interest margin | 2.8637% | 3,553 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.8550% | 1,385 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.4333% | 3,801 |
| Return on assets (ROA) | 0.4333% | 3,799 |
| Pretax return on assets | 0.4344% | 3,914 |
| Return on Equity (ROE) | 8.8300% | 2,801 |
| Retained earnings to average equity (ytd only) | 5.3132% | 2,482 |
| Net charge-offs to loans | 0.0025% | 2,708 |
| Credit loss provision to net charge-offs | 487.5000% | 687 |
| Earnings coverage of net charge-offs (x) | 303.2500% | 433 |
| Efficiency ratio | 86.5581% | 536 |
| Assets per employee ($millions) | 6.2987% | 2,555 |
| Cash dividends to net income (ytd only)* | 39.8144% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4080% | 4,385 |
| Loan loss allowance to noncurrent loans | 103.7736% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 2,031 |
| Noncurrent loans to loans | 0.3932% | 1,804 |
| Net loans and leases to total assets | 59.8700% | 2,850 |
| Net loans and leases to deposits | 68.9403% | 2,954 |
| Net loans and leases to core deposits | 70.2955% | 3,291 |
| Total domestic deposits to total assets | 86.8400% | 1,736 |
| Equity capital to assets | 5.4930% | 4,338 |
| Core capital (leverage) ratio | 8.0065% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8417% | 1,581 |
| Memoranda: | ||
| Average total assets | $547,177,600 | 1,626 |
| Average earning assets | $506,171,400 | 1,613 |
| Average equity | $26,857,600 | 2,411 |
| Average total loans | $325,322,200 | 1,699 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5792% | 4,327 |
| Cost of funding earning assets | 0.6844% | 3,800 |
| Net interest margin | 2.8948% | 3,557 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.9090% | 1,209 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4283% | 3,909 |
| Return on assets (ROA) | 0.4283% | 3,909 |
| Pretax return on assets | 0.4286% | 4,019 |
| Return on Equity (ROE) | 9.0000% | 2,928 |
| Retained earnings to average equity (ytd only) | 5.2459% | 2,857 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.0251% | 476 |
| Assets per employee ($millions) | 5.8954% | 2,839 |
| Cash dividends to net income (ytd only)* | 41.7287% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4062% | 4,405 |
| Loan loss allowance to noncurrent loans | 107.4485% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 2,119 |
| Noncurrent loans to loans | 0.3780% | 1,881 |
| Net loans and leases to total assets | 59.9900% | 2,849 |
| Net loans and leases to deposits | 69.3842% | 2,879 |
| Net loans and leases to core deposits | 70.8131% | 3,173 |
| Total domestic deposits to total assets | 86.4700% | 2,049 |
| Equity capital to assets | 4.1242% | 4,392 |
| Core capital (leverage) ratio | 7.9515% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7986% | 1,630 |
| Memoranda: | ||
| Average total assets | $543,825,000 | 1,633 |
| Average earning assets | $502,445,750 | 1,628 |
| Average equity | $25,873,750 | 2,458 |
| Average total loans | $322,406,250 | 1,708 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4680% | 4,375 |
| Cost of funding earning assets | 0.4956% | 3,990 |
| Net interest margin | 2.9724% | 3,504 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.9032% | 1,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4800% | 3,848 |
| Return on assets (ROA) | 0.4800% | 3,858 |
| Pretax return on assets | 0.4926% | 3,973 |
| Return on Equity (ROE) | 9.6500% | 2,806 |
| Retained earnings to average equity (ytd only) | 6.0342% | 2,607 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.3722% | 526 |
| Assets per employee ($millions) | 5.9053% | 2,790 |
| Cash dividends to net income (ytd only)* | 37.4711% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4104% | 4,437 |
| Loan loss allowance to noncurrent loans | 90.7868% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 1,850 |
| Noncurrent loans to loans | 0.4521% | 1,583 |
| Net loans and leases to total assets | 59.6500% | 2,805 |
| Net loans and leases to deposits | 69.7275% | 2,803 |
| Net loans and leases to core deposits | 70.6180% | 3,088 |
| Total domestic deposits to total assets | 85.5400% | 2,381 |
| Equity capital to assets | 4.9686% | 4,385 |
| Core capital (leverage) ratio | 8.1264% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0713% | 1,554 |
| Memoranda: | ||
| Average total assets | $540,376,667 | 1,633 |
| Average earning assets | $499,597,333 | 1,635 |
| Average equity | $26,880,000 | 2,418 |
| Average total loans | $318,601,000 | 1,711 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3922% | 4,377 |
| Cost of funding earning assets | 0.2606% | 4,276 |
| Net interest margin | 3.1316% | 3,284 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.9151% | 1,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5985% | 3,692 |
| Return on assets (ROA) | 0.5985% | 3,661 |
| Pretax return on assets | 0.6418% | 3,774 |
| Return on Equity (ROE) | 12.0300% | 2,210 |
| Retained earnings to average equity (ytd only) | 8.3819% | 2,122 |
| Net charge-offs to loans | -0.0013% | 3,347 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.9211% | 711 |
| Assets per employee ($millions) | 5.7202% | 3,010 |
| Cash dividends to net income (ytd only)* | 30.2993% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4235% | 4,485 |
| Loan loss allowance to noncurrent loans | 99.6280% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 1,871 |
| Noncurrent loans to loans | 0.4250% | 1,663 |
| Net loans and leases to total assets | 58.5600% | 2,815 |
| Net loans and leases to deposits | 65.7927% | 2,950 |
| Net loans and leases to core deposits | 66.2058% | 3,205 |
| Total domestic deposits to total assets | 89.0000% | 1,548 |
| Equity capital to assets | 5.3685% | 4,360 |
| Core capital (leverage) ratio | 8.2663% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4789% | 1,500 |
| Memoranda: | ||
| Average total assets | $535,970,500 | 1,665 |
| Average earning assets | $495,719,000 | 1,666 |
| Average equity | $26,676,500 | 2,451 |
| Average total loans | $313,435,500 | 1,747 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9280% | 4,217 |
| Cost of funding earning assets | 0.0630% | 4,532 |
| Net interest margin | 2.8650% | 3,759 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.7081% | 1,534 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 0.5831% | 3,919 |
| Return on assets (ROA) | 0.5831% | 3,884 |
| Pretax return on assets | 0.6315% | 3,976 |
| Return on Equity (ROE) | 10.6200% | 2,604 |
| Retained earnings to average equity (ytd only) | 7.3250% | 2,092 |
| Net charge-offs to loans | 0.0007% | 2,574 |
| Credit loss provision to net charge-offs | -15,550.0000% | 4,716 |
| Earnings coverage of net charge-offs (x) | 1,541.0000% | 115 |
| Efficiency ratio | 82.5204% | 565 |
| Assets per employee ($millions) | 5.6835% | 3,044 |
| Cash dividends to net income (ytd only)* | 31.0246% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 3,759 |
| Loan loss allowance to noncurrent loans | 195.4039% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 1,811 |
| Noncurrent loans to loans | 0.4622% | 1,553 |
| Net loans and leases to total assets | 57.6300% | 2,851 |
| Net loans and leases to deposits | 61.5867% | 3,228 |
| Net loans and leases to core deposits | 61.7117% | 3,412 |
| Total domestic deposits to total assets | 93.5700% | 297 |
| Equity capital to assets | 4.5835% | 4,451 |
| Core capital (leverage) ratio | 7.9849% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6864% | 1,438 |
| Memoranda: | ||
| Average total assets | $537,276,600 | 1,641 |
| Average earning assets | $499,964,800 | 1,628 |
| Average equity | $29,501,600 | 2,355 |
| Average total loans | $294,656,000 | 1,746 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8052% | 4,191 |
| Cost of funding earning assets | 0.0601% | 4,530 |
| Net interest margin | 2.7451% | 3,843 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.5621% | 1,820 |
| Loan and lease loss provision to assets | -0.0800% | 4,553 |
| Net operating income to assets | 0.6123% | 3,805 |
| Return on assets (ROA) | 0.6123% | 3,758 |
| Pretax return on assets | 0.6760% | 3,841 |
| Return on Equity (ROE) | 10.7100% | 2,503 |
| Retained earnings to average equity (ytd only) | 7.5519% | 2,164 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.0521% | 710 |
| Assets per employee ($millions) | 5.7954% | 2,933 |
| Cash dividends to net income (ytd only)* | 29.5022% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 3,775 |
| Loan loss allowance to noncurrent loans | 180.8757% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 1,802 |
| Noncurrent loans to loans | 0.5130% | 1,517 |
| Net loans and leases to total assets | 55.6500% | 2,936 |
| Net loans and leases to deposits | 60.0580% | 3,199 |
| Net loans and leases to core deposits | 60.2577% | 3,362 |
| Total domestic deposits to total assets | 92.6600% | 669 |
| Equity capital to assets | 3.9763% | 4,479 |
| Core capital (leverage) ratio | 7.8252% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7910% | 1,481 |
| Memoranda: | ||
| Average total assets | $538,034,250 | 1,650 |
| Average earning assets | $501,445,000 | 1,637 |
| Average equity | $30,755,250 | 2,333 |
| Average total loans | $290,653,250 | 1,763 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6804% | 4,169 |
| Cost of funding earning assets | 0.0446% | 4,625 |
| Net interest margin | 2.6358% | 3,838 |
| Noninterest income to average assets | 0.6048% | 1,720 |
| Noninterest expense to average assets | 2.5500% | 1,777 |
| Loan and lease loss provision to assets | -0.1116% | 4,612 |
| Net operating income to assets | 0.5579% | 3,744 |
| Return on assets (ROA) | 0.5579% | 3,693 |
| Pretax return on assets | 0.6289% | 3,756 |
| Return on Equity (ROE) | 8.8591% | 2,743 |
| Retained earnings to average equity (ytd only) | 5.9888% | 2,339 |
| Net charge-offs to loans | -0.0007% | 3,008 |
| Credit loss provision to net charge-offs | 30,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1333% | 732 |
| Assets per employee ($millions) | 5.7294% | 2,998 |
| Cash dividends to net income (ytd only)* | 32.4000% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 3,740 |
| Loan loss allowance to noncurrent loans | 177.1985% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 1,811 |
| Noncurrent loans to loans | 0.5456% | 1,525 |
| Net loans and leases to total assets | 54.2315% | 2,937 |
| Net loans and leases to deposits | 60.6351% | 3,009 |
| Net loans and leases to core deposits | 60.8473% | 3,204 |
| Total domestic deposits to total assets | 89.4391% | 1,983 |
| Equity capital to assets | 5.1906% | 4,433 |
| Core capital (leverage) ratio | 7.7779% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2689% | 1,369 |
| Memoranda: | ||
| Average total assets | $537,722,667 | 1,662 |
| Average earning assets | $502,393,000 | 1,652 |
| Average equity | $33,863,333 | 2,234 |
| Average total loans | $286,628,333 | 1,771 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5724% | 4,170 |
| Cost of funding earning assets | 0.0379% | 4,675 |
| Net interest margin | 2.5346% | 3,824 |
| Noninterest income to average assets | 0.6183% | 1,612 |
| Noninterest expense to average assets | 2.4963% | 1,892 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4702% | 3,788 |
| Return on assets (ROA) | 0.4702% | 3,753 |
| Pretax return on assets | 0.5013% | 3,868 |
| Return on Equity (ROE) | 6.8711% | 3,078 |
| Retained earnings to average equity (ytd only) | 4.2417% | 2,856 |
| Net charge-offs to loans | -0.0042% | 3,293 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2757% | 898 |
| Assets per employee ($millions) | 5.7167% | 3,099 |
| Cash dividends to net income (ytd only)* | 38.2677% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,329 |
| Loan loss allowance to noncurrent loans | 173.4037% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 1,753 |
| Noncurrent loans to loans | 0.6337% | 1,482 |
| Net loans and leases to total assets | 52.8672% | 2,898 |
| Net loans and leases to deposits | 59.4956% | 2,954 |
| Net loans and leases to core deposits | 59.7056% | 3,174 |
| Total domestic deposits to total assets | 88.8590% | 2,143 |
| Equity capital to assets | 6.1760% | 4,543 |
| Core capital (leverage) ratio | 7.8205% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2466% | 1,439 |
| Memoranda: | ||
| Average total assets | $540,168,500 | 1,662 |
| Average earning assets | $507,070,500 | 1,651 |
| Average equity | $36,966,500 | 2,178 |
| Average total loans | $284,051,000 | 1,773 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7651% | 4,248 |
| Cost of funding earning assets | 0.0444% | 4,711 |
| Net interest margin | 2.7207% | 3,836 |
| Noninterest income to average assets | 0.7955% | 1,456 |
| Noninterest expense to average assets | 2.5625% | 1,981 |
| Loan and lease loss provision to assets | 0.0121% | 2,840 |
| Net operating income to assets | 0.6776% | 3,678 |
| Return on assets (ROA) | 0.6700% | 3,749 |
| Pretax return on assets | 0.7589% | 3,819 |
| Return on Equity (ROE) | 8.5027% | 3,078 |
| Retained earnings to average equity (ytd only) | 6.1407% | 2,299 |
| Net charge-offs to loans | -0.0053% | 3,564 |
| Credit loss provision to net charge-offs | -420.0000% | 3,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6745% | 1,055 |
| Assets per employee ($millions) | 5.7756% | 2,984 |
| Cash dividends to net income (ytd only)* | 27.7794% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,361 |
| Loan loss allowance to noncurrent loans | 190.1280% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 2,042 |
| Noncurrent loans to loans | 0.5780% | 1,696 |
| Net loans and leases to total assets | 51.1750% | 3,155 |
| Net loans and leases to deposits | 59.0973% | 3,158 |
| Net loans and leases to core deposits | 59.2420% | 3,373 |
| Total domestic deposits to total assets | 86.5945% | 2,671 |
| Equity capital to assets | 7.4903% | 4,593 |
| Core capital (leverage) ratio | 7.7016% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2817% | 1,436 |
| Memoranda: | ||
| Average total assets | $522,214,600 | 1,645 |
| Average earning assets | $488,804,000 | 1,638 |
| Average equity | $41,151,600 | 2,043 |
| Average total loans | $283,837,600 | 1,772 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8138% | 4,285 |
| Cost of funding earning assets | 0.0470% | 4,784 |
| Net interest margin | 2.7668% | 3,847 |
| Noninterest income to average assets | 0.8761% | 1,305 |
| Noninterest expense to average assets | 2.4618% | 2,233 |
| Loan and lease loss provision to assets | 0.0161% | 2,681 |
| Net operating income to assets | 0.8457% | 3,400 |
| Return on assets (ROA) | 0.8466% | 3,458 |
| Pretax return on assets | 0.9865% | 3,503 |
| Return on Equity (ROE) | 10.6042% | 2,519 |
| Retained earnings to average equity (ytd only) | 8.2430% | 1,976 |
| Net charge-offs to loans | -0.0056% | 3,473 |
| Credit loss provision to net charge-offs | -516.6667% | 3,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0819% | 1,484 |
| Assets per employee ($millions) | 5.7490% | 2,938 |
| Cash dividends to net income (ytd only)* | 22.2663% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 3,563 |
| Loan loss allowance to noncurrent loans | 551.6814% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 3,408 |
| Noncurrent loans to loans | 0.1947% | 3,168 |
| Net loans and leases to total assets | 53.1173% | 3,068 |
| Net loans and leases to deposits | 60.8471% | 3,152 |
| Net loans and leases to core deposits | 60.9972% | 3,400 |
| Total domestic deposits to total assets | 87.2964% | 2,215 |
| Equity capital to assets | 7.7544% | 4,633 |
| Core capital (leverage) ratio | 7.9555% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6855% | 1,434 |
| Memoranda: | ||
| Average total assets | $515,596,750 | 1,680 |
| Average earning assets | $482,134,000 | 1,673 |
| Average equity | $41,165,000 | 2,069 |
| Average total loans | $283,819,500 | 1,805 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8183% | 4,324 |
| Cost of funding earning assets | 0.0519% | 4,816 |
| Net interest margin | 2.7664% | 3,857 |
| Noninterest income to average assets | 0.8594% | 1,379 |
| Noninterest expense to average assets | 2.3543% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9299% | 3,133 |
| Return on assets (ROA) | 0.9319% | 3,206 |
| Pretax return on assets | 1.0904% | 3,249 |
| Return on Equity (ROE) | 11.5547% | 2,215 |
| Retained earnings to average equity (ytd only) | 9.1793% | 1,656 |
| Net charge-offs to loans | -0.0057% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3921% | 1,830 |
| Assets per employee ($millions) | 5.4829% | 3,144 |
| Cash dividends to net income (ytd only)* | 20.5584% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 3,571 |
| Loan loss allowance to noncurrent loans | 492.0968% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 3,442 |
| Noncurrent loans to loans | 0.2163% | 3,181 |
| Net loans and leases to total assets | 54.4367% | 3,090 |
| Net loans and leases to deposits | 62.8311% | 3,122 |
| Net loans and leases to core deposits | 62.9931% | 3,378 |
| Total domestic deposits to total assets | 86.6397% | 2,494 |
| Equity capital to assets | 8.0113% | 4,527 |
| Core capital (leverage) ratio | 7.8773% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9349% | 1,352 |
| Memoranda: | ||
| Average total assets | $507,327,667 | 1,687 |
| Average earning assets | $473,686,667 | 1,686 |
| Average equity | $40,918,333 | 2,067 |
| Average total loans | $281,704,333 | 1,826 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8822% | 4,281 |
| Cost of funding earning assets | 0.0582% | 4,829 |
| Net interest margin | 2.8240% | 3,703 |
| Noninterest income to average assets | 0.9094% | 1,302 |
| Noninterest expense to average assets | 2.4693% | 2,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9206% | 3,078 |
| Return on assets (ROA) | 0.9206% | 3,153 |
| Pretax return on assets | 1.0772% | 3,174 |
| Return on Equity (ROE) | 11.3741% | 2,239 |
| Retained earnings to average equity (ytd only) | 8.9749% | 1,958 |
| Net charge-offs to loans | -0.0072% | 3,530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6260% | 1,746 |
| Assets per employee ($millions) | 5.7318% | 2,874 |
| Cash dividends to net income (ytd only)* | 21.0938% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,538 |
| Loan loss allowance to noncurrent loans | 555.1913% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 3,646 |
| Noncurrent loans to loans | 0.1938% | 3,412 |
| Net loans and leases to total assets | 54.3158% | 3,211 |
| Net loans and leases to deposits | 62.4651% | 3,278 |
| Net loans and leases to core deposits | 62.7595% | 3,522 |
| Total domestic deposits to total assets | 86.9538% | 2,329 |
| Equity capital to assets | 7.8221% | 4,583 |
| Core capital (leverage) ratio | 8.0627% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8672% | 1,341 |
| Memoranda: | ||
| Average total assets | $500,551,500 | 1,694 |
| Average earning assets | $467,414,000 | 1,692 |
| Average equity | $40,513,000 | 2,067 |
| Average total loans | $279,256,000 | 1,839 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3802% | 4,222 |
| Cost of funding earning assets | 0.1668% | 4,684 |
| Net interest margin | 3.2134% | 3,325 |
| Noninterest income to average assets | 1.0172% | 1,020 |
| Noninterest expense to average assets | 2.8639% | 1,779 |
| Loan and lease loss provision to assets | 0.0748% | 3,446 |
| Net operating income to assets | 0.9044% | 2,675 |
| Return on assets (ROA) | 0.9111% | 2,779 |
| Pretax return on assets | 1.0530% | 2,869 |
| Return on Equity (ROE) | 10.2485% | 1,910 |
| Retained earnings to average equity (ytd only) | 7.9289% | 1,073 |
| Net charge-offs to loans | -0.0612% | 4,710 |
| Credit loss provision to net charge-offs | -196.4072% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8850% | 1,695 |
| Assets per employee ($millions) | 5.3916% | 2,966 |
| Cash dividends to net income (ytd only)* | 22.6340% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,435 |
| Loan loss allowance to noncurrent loans | 442.1512% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 3,583 |
| Noncurrent loans to loans | 0.2499% | 3,302 |
| Net loans and leases to total assets | 56.1015% | 3,290 |
| Net loans and leases to deposits | 65.4952% | 3,320 |
| Net loans and leases to core deposits | 65.8281% | 3,555 |
| Total domestic deposits to total assets | 85.6575% | 2,508 |
| Equity capital to assets | 8.3824% | 4,529 |
| Core capital (leverage) ratio | 8.2391% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6948% | 1,344 |
| Memoranda: | ||
| Average total assets | $438,359,000 | 1,738 |
| Average earning assets | $404,708,600 | 1,751 |
| Average equity | $38,971,600 | 2,056 |
| Average total loans | $272,692,000 | 1,815 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4665% | 4,264 |
| Cost of funding earning assets | 0.2039% | 4,662 |
| Net interest margin | 3.2626% | 3,304 |
| Noninterest income to average assets | 1.0372% | 968 |
| Noninterest expense to average assets | 2.8176% | 1,928 |
| Loan and lease loss provision to assets | 0.1024% | 3,038 |
| Net operating income to assets | 0.9651% | 2,468 |
| Return on assets (ROA) | 0.9694% | 2,585 |
| Pretax return on assets | 1.1269% | 2,656 |
| Return on Equity (ROE) | 10.7298% | 1,772 |
| Retained earnings to average equity (ytd only) | 8.3812% | 1,179 |
| Net charge-offs to loans | -0.0814% | 4,786 |
| Credit loss provision to net charge-offs | -197.5904% | 3,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7077% | 1,921 |
| Assets per employee ($millions) | 5.3299% | 2,859 |
| Cash dividends to net income (ytd only)* | 21.8891% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,326 |
| Loan loss allowance to noncurrent loans | 502.6446% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 3,788 |
| Noncurrent loans to loans | 0.2141% | 3,524 |
| Net loans and leases to total assets | 58.9301% | 3,332 |
| Net loans and leases to deposits | 68.2691% | 3,448 |
| Net loans and leases to core deposits | 68.5571% | 3,728 |
| Total domestic deposits to total assets | 86.3203% | 1,931 |
| Equity capital to assets | 8.4691% | 4,480 |
| Core capital (leverage) ratio | 8.6535% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9233% | 1,272 |
| Memoranda: | ||
| Average total assets | $426,638,250 | 1,753 |
| Average earning assets | $392,927,500 | 1,767 |
| Average equity | $38,545,750 | 2,064 |
| Average total loans | $272,047,500 | 1,805 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6467% | 4,180 |
| Cost of funding earning assets | 0.2608% | 4,594 |
| Net interest margin | 3.3859% | 3,147 |
| Noninterest income to average assets | 0.8536% | 1,278 |
| Noninterest expense to average assets | 2.9026% | 1,823 |
| Loan and lease loss provision to assets | 0.1597% | 2,403 |
| Net operating income to assets | 0.7947% | 3,060 |
| Return on assets (ROA) | 0.7947% | 3,176 |
| Pretax return on assets | 0.9013% | 3,310 |
| Return on Equity (ROE) | 8.5888% | 2,530 |
| Retained earnings to average equity (ytd only) | 6.1995% | 1,988 |
| Net charge-offs to loans | -0.1221% | 4,877 |
| Credit loss provision to net charge-offs | -200.0000% | 3,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2310% | 1,540 |
| Assets per employee ($millions) | 4.9076% | 3,289 |
| Cash dividends to net income (ytd only)* | 27.8186% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 3,074 |
| Loan loss allowance to noncurrent loans | 502.3140% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 3,833 |
| Noncurrent loans to loans | 0.2187% | 3,599 |
| Net loans and leases to total assets | 61.9470% | 3,134 |
| Net loans and leases to deposits | 72.1930% | 3,242 |
| Net loans and leases to core deposits | 72.5218% | 3,558 |
| Total domestic deposits to total assets | 85.8074% | 2,092 |
| Equity capital to assets | 8.8381% | 4,221 |
| Core capital (leverage) ratio | 8.6330% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7350% | 1,310 |
| Memoranda: | ||
| Average total assets | $410,731,000 | 1,778 |
| Average earning assets | $377,270,000 | 1,797 |
| Average equity | $38,003,000 | 2,082 |
| Average total loans | $268,536,000 | 1,802 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8087% | 4,218 |
| Cost of funding earning assets | 0.3225% | 4,585 |
| Net interest margin | 3.4861% | 3,030 |
| Noninterest income to average assets | 0.7782% | 1,373 |
| Noninterest expense to average assets | 3.0077% | 1,874 |
| Loan and lease loss provision to assets | 0.1316% | 2,078 |
| Net operating income to assets | 0.7408% | 3,128 |
| Return on assets (ROA) | 0.7408% | 3,206 |
| Pretax return on assets | 0.8329% | 3,323 |
| Return on Equity (ROE) | 7.8108% | 2,596 |
| Retained earnings to average equity (ytd only) | 5.3886% | 2,121 |
| Net charge-offs to loans | -0.2465% | 4,966 |
| Credit loss provision to net charge-offs | -79.7546% | 3,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7197% | 1,594 |
| Assets per employee ($millions) | 4.3548% | 3,468 |
| Cash dividends to net income (ytd only)* | 31.0109% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 3,306 |
| Loan loss allowance to noncurrent loans | 9,796.5517% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 4,611 |
| Noncurrent loans to loans | 0.0110% | 4,533 |
| Net loans and leases to total assets | 64.9084% | 2,951 |
| Net loans and leases to deposits | 75.2491% | 3,145 |
| Net loans and leases to core deposits | 75.9088% | 3,498 |
| Total domestic deposits to total assets | 86.2580% | 1,886 |
| Equity capital to assets | 9.6049% | 4,130 |
| Core capital (leverage) ratio | 9.4539% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3463% | 1,519 |
| Memoranda: | ||
| Average total assets | $395,256,000 | 1,786 |
| Average earning assets | $362,120,000 | 1,809 |
| Average equity | $37,486,500 | 2,093 |
| Average total loans | $264,480,500 | 1,785 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 4,110 |
| Cost of funding earning assets | 0.2956% | 4,739 |
| Net interest margin | 3.7718% | 2,598 |
| Noninterest income to average assets | 0.8383% | 1,338 |
| Noninterest expense to average assets | 3.0344% | 1,927 |
| Loan and lease loss provision to assets | 0.1530% | 1,377 |
| Net operating income to assets | 0.9295% | 3,094 |
| Return on assets (ROA) | 0.9453% | 3,123 |
| Pretax return on assets | 1.1198% | 3,105 |
| Return on Equity (ROE) | 10.1961% | 2,204 |
| Retained earnings to average equity (ytd only) | 7.7323% | 1,071 |
| Net charge-offs to loans | 0.0807% | 1,951 |
| Credit loss provision to net charge-offs | 272.9858% | 1,026 |
| Earnings coverage of net charge-offs (x) | 22.3744% | 1,854 |
| Efficiency ratio | 70.7587% | 2,057 |
| Assets per employee ($millions) | 4.3806% | 3,404 |
| Cash dividends to net income (ytd only)* | 24.1641% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 3,710 |
| Loan loss allowance to noncurrent loans | 123.1513% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 2,300 |
| Noncurrent loans to loans | 0.7776% | 1,957 |
| Net loans and leases to total assets | 67.5922% | 2,739 |
| Net loans and leases to deposits | 78.7597% | 2,937 |
| Net loans and leases to core deposits | 79.4110% | 3,350 |
| Total domestic deposits to total assets | 85.8207% | 2,132 |
| Equity capital to assets | 9.3600% | 4,456 |
| Core capital (leverage) ratio | 9.2796% | 4,297 |
| Tier 1 risk-based capital ratio | 14.7000% | 2,907 |
| Total risk-based capital ratio | 15.7919% | 2,904 |
| Memoranda: | ||
| Average total assets | $376,487,600 | 1,819 |
| Average earning assets | $344,374,200 | 1,833 |
| Average equity | $34,905,600 | 2,144 |
| Average total loans | $261,414,800 | 1,769 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 4,145 |
| Cost of funding earning assets | 0.2852% | 4,834 |
| Net interest margin | 3.8186% | 2,534 |
| Noninterest income to average assets | 0.8193% | 1,360 |
| Noninterest expense to average assets | 3.0168% | 1,927 |
| Loan and lease loss provision to assets | 0.0986% | 1,944 |
| Net operating income to assets | 1.0019% | 2,975 |
| Return on assets (ROA) | 1.0223% | 2,975 |
| Pretax return on assets | 1.2206% | 2,914 |
| Return on Equity (ROE) | 11.0538% | 2,001 |
| Retained earnings to average equity (ytd only) | 8.5734% | 1,182 |
| Net charge-offs to loans | 0.0799% | 1,684 |
| Credit loss provision to net charge-offs | 176.9231% | 1,445 |
| Earnings coverage of net charge-offs (x) | 23.2313% | 1,838 |
| Efficiency ratio | 69.9677% | 2,120 |
| Assets per employee ($millions) | 4.2540% | 3,546 |
| Cash dividends to net income (ytd only)* | 22.4398% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 4,223 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 2,789 |
| Noncurrent loans to loans | 0.6074% | 2,464 |
| Net loans and leases to total assets | 70.1356% | 2,447 |
| Net loans and leases to deposits | 81.0484% | 2,795 |
| Net loans and leases to core deposits | 81.7233% | 3,267 |
| Total domestic deposits to total assets | 86.5354% | 1,750 |
| Equity capital to assets | 9.4576% | 4,493 |
| Core capital (leverage) ratio | 9.4383% | 4,235 |
| Tier 1 risk-based capital ratio | 14.4163% | 3,129 |
| Total risk-based capital ratio | 15.4026% | 3,157 |
| Memoranda: | ||
| Average total assets | $373,141,500 | 1,851 |
| Average earning assets | $341,267,250 | 1,858 |
| Average equity | $34,509,000 | 2,178 |
| Average total loans | $260,250,750 | 1,787 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 4,151 |
| Cost of funding earning assets | 0.2545% | 4,946 |
| Net interest margin | 3.8487% | 2,412 |
| Noninterest income to average assets | 0.7494% | 1,527 |
| Noninterest expense to average assets | 3.0424% | 1,877 |
| Loan and lease loss provision to assets | 0.0341% | 3,145 |
| Net operating income to assets | 0.9993% | 2,925 |
| Return on assets (ROA) | 0.9997% | 2,991 |
| Pretax return on assets | 1.1982% | 2,912 |
| Return on Equity (ROE) | 10.8950% | 2,018 |
| Retained earnings to average equity (ytd only) | 8.3966% | 1,242 |
| Net charge-offs to loans | -0.0031% | 4,034 |
| Credit loss provision to net charge-offs | -1,575.0000% | 4,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1828% | 2,041 |
| Assets per employee ($millions) | 4.0594% | 3,791 |
| Cash dividends to net income (ytd only)* | 22.9313% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 4,245 |
| Loan loss allowance to noncurrent loans | 508.8235% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 4,153 |
| Noncurrent loans to loans | 0.1685% | 3,948 |
| Net loans and leases to total assets | 70.4214% | 2,470 |
| Net loans and leases to deposits | 82.4558% | 2,679 |
| Net loans and leases to core deposits | 83.1747% | 3,181 |
| Total domestic deposits to total assets | 85.4051% | 2,303 |
| Equity capital to assets | 9.5677% | 4,340 |
| Core capital (leverage) ratio | 9.5490% | 4,105 |
| Tier 1 risk-based capital ratio | 14.2571% | 3,184 |
| Total risk-based capital ratio | 15.2326% | 3,242 |
| Memoranda: | ||
| Average total assets | $369,903,000 | 1,871 |
| Average earning assets | $338,759,670 | 1,875 |
| Average equity | $33,942,330 | 2,199 |
| Average total loans | $256,727,000 | 1,813 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9726% | 4,427 |
| Cost of funding earning assets | 0.2237% | 5,057 |
| Net interest margin | 3.7489% | 2,716 |
| Noninterest income to average assets | 0.7338% | 1,488 |
| Noninterest expense to average assets | 3.0150% | 1,954 |
| Loan and lease loss provision to assets | 0.0681% | 2,306 |
| Net operating income to assets | 0.9166% | 3,175 |
| Return on assets (ROA) | 0.9175% | 3,209 |
| Pretax return on assets | 1.0925% | 3,173 |
| Return on Equity (ROE) | 10.2161% | 2,272 |
| Retained earnings to average equity (ytd only) | 7.6651% | 1,784 |
| Net charge-offs to loans | -0.0047% | 4,009 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2237% | 2,005 |
| Assets per employee ($millions) | 4.1572% | 3,689 |
| Cash dividends to net income (ytd only)* | 24.9706% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8822% | 4,235 |
| Loan loss allowance to noncurrent loans | 471.2788% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 4,149 |
| Noncurrent loans to loans | 0.1872% | 3,916 |
| Net loans and leases to total assets | 68.2638% | 2,720 |
| Net loans and leases to deposits | 78.5507% | 3,000 |
| Net loans and leases to core deposits | 78.7066% | 3,473 |
| Total domestic deposits to total assets | 86.9042% | 1,863 |
| Equity capital to assets | 9.1560% | 4,572 |
| Core capital (leverage) ratio | 9.4300% | 4,230 |
| Tier 1 risk-based capital ratio | 14.1864% | 3,250 |
| Total risk-based capital ratio | 15.1791% | 3,294 |
| Memoranda: | ||
| Average total assets | $370,150,000 | 1,876 |
| Average earning assets | $339,728,500 | 1,882 |
| Average equity | $33,241,500 | 2,239 |
| Average total loans | $253,894,500 | 1,838 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 4,520 |
| Cost of funding earning assets | 0.1731% | 5,101 |
| Net interest margin | 3.6141% | 3,330 |
| Noninterest income to average assets | 0.7879% | 1,486 |
| Noninterest expense to average assets | 3.0158% | 2,009 |
| Loan and lease loss provision to assets | 0.0341% | 3,512 |
| Net operating income to assets | 0.9093% | 3,406 |
| Return on assets (ROA) | 0.8796% | 3,491 |
| Pretax return on assets | 1.0354% | 3,493 |
| Return on Equity (ROE) | 10.1623% | 2,454 |
| Retained earnings to average equity (ytd only) | 7.4984% | 1,458 |
| Net charge-offs to loans | 0.0109% | 3,313 |
| Credit loss provision to net charge-offs | 455.5556% | 750 |
| Earnings coverage of net charge-offs (x) | 147.5926% | 570 |
| Efficiency ratio | 73.1957% | 1,733 |
| Assets per employee ($millions) | 4.3060% | 3,452 |
| Cash dividends to net income (ytd only)* | 26.2130% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 4,316 |
| Loan loss allowance to noncurrent loans | 357.7049% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 4,002 |
| Noncurrent loans to loans | 0.2411% | 3,721 |
| Net loans and leases to total assets | 67.7242% | 2,916 |
| Net loans and leases to deposits | 78.0811% | 3,156 |
| Net loans and leases to core deposits | 78.2363% | 3,560 |
| Total domestic deposits to total assets | 86.7358% | 1,900 |
| Equity capital to assets | 8.8053% | 4,731 |
| Core capital (leverage) ratio | 9.3396% | 4,311 |
| Tier 1 risk-based capital ratio | 14.6688% | 2,983 |
| Total risk-based capital ratio | 15.6915% | 3,002 |
| Memoranda: | ||
| Average total assets | $360,827,600 | 1,875 |
| Average earning assets | $332,695,400 | 1,877 |
| Average equity | $31,233,200 | 2,270 |
| Average total loans | $247,245,800 | 1,834 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7497% | 4,550 |
| Cost of funding earning assets | 0.1677% | 5,152 |
| Net interest margin | 3.5820% | 3,427 |
| Noninterest income to average assets | 0.7915% | 1,504 |
| Noninterest expense to average assets | 2.9995% | 2,017 |
| Loan and lease loss provision to assets | 0.0372% | 3,262 |
| Net operating income to assets | 0.8927% | 3,570 |
| Return on assets (ROA) | 0.8927% | 3,569 |
| Pretax return on assets | 1.0601% | 3,536 |
| Return on Equity (ROE) | 10.3592% | 2,452 |
| Retained earnings to average equity (ytd only) | 7.6830% | 1,804 |
| Net charge-offs to loans | 0.0027% | 3,383 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 589.6912% | 149 |
| Efficiency ratio | 73.2159% | 1,698 |
| Assets per employee ($millions) | 4.1444% | 3,667 |
| Cash dividends to net income (ytd only)* | 25.8335% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8686% | 4,374 |
| Loan loss allowance to noncurrent loans | 669.3252% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 4,513 |
| Noncurrent loans to loans | 0.1298% | 4,302 |
| Net loans and leases to total assets | 69.8652% | 2,672 |
| Net loans and leases to deposits | 80.6564% | 2,966 |
| Net loans and leases to core deposits | 80.8232% | 3,426 |
| Total domestic deposits to total assets | 86.6208% | 1,909 |
| Equity capital to assets | 8.8188% | 4,705 |
| Core capital (leverage) ratio | 9.2139% | 4,499 |
| Tier 1 risk-based capital ratio | 14.5367% | 3,109 |
| Total risk-based capital ratio | 15.5675% | 3,126 |
| Memoranda: | ||
| Average total assets | $358,456,500 | 1,887 |
| Average earning assets | $330,759,500 | 1,897 |
| Average equity | $30,889,750 | 2,287 |
| Average total loans | $245,814,000 | 1,851 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6749% | 4,639 |
| Cost of funding earning assets | 0.1315% | 5,314 |
| Net interest margin | 3.5433% | 3,488 |
| Noninterest income to average assets | 0.7629% | 1,599 |
| Noninterest expense to average assets | 3.0295% | 1,969 |
| Loan and lease loss provision to assets | 0.0557% | 2,796 |
| Net operating income to assets | 0.8042% | 3,846 |
| Return on assets (ROA) | 0.8042% | 3,841 |
| Pretax return on assets | 0.9484% | 3,814 |
| Return on Equity (ROE) | 9.4044% | 2,849 |
| Retained earnings to average equity (ytd only) | 6.7472% | 2,190 |
| Net charge-offs to loans | 0.0139% | 2,675 |
| Credit loss provision to net charge-offs | 588.2353% | 634 |
| Earnings coverage of net charge-offs (x) | 106.0588% | 669 |
| Efficiency ratio | 75.1070% | 1,543 |
| Assets per employee ($millions) | 4.0818% | 3,758 |
| Cash dividends to net income (ytd only)* | 28.2548% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 4,477 |
| Loan loss allowance to noncurrent loans | 606.1453% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 4,495 |
| Noncurrent loans to loans | 0.1434% | 4,252 |
| Net loans and leases to total assets | 69.6749% | 2,631 |
| Net loans and leases to deposits | 81.4371% | 2,823 |
| Net loans and leases to core deposits | 81.6082% | 3,277 |
| Total domestic deposits to total assets | 85.5566% | 2,472 |
| Equity capital to assets | 8.6946% | 4,808 |
| Core capital (leverage) ratio | 9.0703% | 4,617 |
| Tier 1 risk-based capital ratio | 14.0743% | 3,320 |
| Total risk-based capital ratio | 15.0897% | 3,350 |
| Memoranda: | ||
| Average total assets | $359,135,670 | 1,892 |
| Average earning assets | $331,495,330 | 1,902 |
| Average equity | $30,709,000 | 2,305 |
| Average total loans | $244,020,330 | 1,870 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5843% | 4,735 |
| Cost of funding earning assets | 0.1150% | 5,409 |
| Net interest margin | 3.4693% | 3,644 |
| Noninterest income to average assets | 0.7631% | 1,575 |
| Noninterest expense to average assets | 3.0348% | 1,983 |
| Loan and lease loss provision to assets | 0.0277% | 3,154 |
| Net operating income to assets | 0.7720% | 3,826 |
| Return on assets (ROA) | 0.7720% | 3,822 |
| Pretax return on assets | 0.9082% | 3,821 |
| Return on Equity (ROE) | 9.1035% | 2,863 |
| Retained earnings to average equity (ytd only) | 6.4391% | 2,534 |
| Net charge-offs to loans | -0.0017% | 3,793 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4296% | 1,535 |
| Assets per employee ($millions) | 4.1153% | 3,776 |
| Cash dividends to net income (ytd only)* | 29.2683% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 4,575 |
| Loan loss allowance to noncurrent loans | 591.8768% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 4,588 |
| Noncurrent loans to loans | 0.1464% | 4,312 |
| Net loans and leases to total assets | 67.5009% | 2,822 |
| Net loans and leases to deposits | 77.2565% | 3,088 |
| Net loans and leases to core deposits | 77.4139% | 3,543 |
| Total domestic deposits to total assets | 87.3725% | 1,968 |
| Equity capital to assets | 8.5341% | 4,943 |
| Core capital (leverage) ratio | 8.7420% | 4,958 |
| Tier 1 risk-based capital ratio | 14.0441% | 3,360 |
| Total risk-based capital ratio | 15.0499% | 3,404 |
| Memoranda: | ||
| Average total assets | $361,144,500 | 1,892 |
| Average earning assets | $333,898,000 | 1,906 |
| Average equity | $30,625,500 | 2,326 |
| Average total loans | $241,231,500 | 1,893 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5733% | 4,630 |
| Cost of funding earning assets | 0.1084% | 5,465 |
| Net interest margin | 3.4649% | 3,638 |
| Noninterest income to average assets | 0.8311% | 1,462 |
| Noninterest expense to average assets | 2.9795% | 2,220 |
| Loan and lease loss provision to assets | 0.0114% | 4,055 |
| Net operating income to assets | 0.6459% | 3,834 |
| Return on assets (ROA) | 0.6459% | 3,869 |
| Pretax return on assets | 1.0325% | 3,449 |
| Return on Equity (ROE) | 7.4782% | 3,045 |
| Retained earnings to average equity (ytd only) | 4.8423% | 2,224 |
| Net charge-offs to loans | 0.0039% | 3,964 |
| Credit loss provision to net charge-offs | 444.4444% | 704 |
| Earnings coverage of net charge-offs (x) | 406.5556% | 214 |
| Efficiency ratio | 73.5640% | 1,963 |
| Assets per employee ($millions) | 4.2355% | 3,602 |
| Cash dividends to net income (ytd only)* | 35.2473% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8744% | 4,580 |
| Loan loss allowance to noncurrent loans | 970.6977% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 4,829 |
| Noncurrent loans to loans | 0.0901% | 4,590 |
| Net loans and leases to total assets | 64.9508% | 3,239 |
| Net loans and leases to deposits | 73.5623% | 3,552 |
| Net loans and leases to core deposits | 73.7081% | 3,898 |
| Total domestic deposits to total assets | 88.2936% | 1,348 |
| Equity capital to assets | 8.4271% | 5,168 |
| Core capital (leverage) ratio | 8.7191% | 4,930 |
| Tier 1 risk-based capital ratio | 14.0500% | 3,335 |
| Total risk-based capital ratio | 15.0604% | 3,377 |
| Memoranda: | ||
| Average total assets | $350,495,400 | 1,914 |
| Average earning assets | $322,920,600 | 1,924 |
| Average equity | $30,274,800 | 2,340 |
| Average total loans | $232,958,800 | 1,919 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4857% | 4,837 |
| Cost of funding earning assets | 0.1077% | 5,530 |
| Net interest margin | 3.3780% | 3,922 |
| Noninterest income to average assets | 0.8552% | 1,410 |
| Noninterest expense to average assets | 2.9681% | 2,196 |
| Loan and lease loss provision to assets | 0.0154% | 3,835 |
| Net operating income to assets | 0.7123% | 3,912 |
| Return on assets (ROA) | 0.7123% | 3,977 |
| Pretax return on assets | 0.9808% | 3,763 |
| Return on Equity (ROE) | 8.1935% | 3,025 |
| Retained earnings to average equity (ytd only) | 5.5684% | 2,494 |
| Net charge-offs to loans | 0.0069% | 3,484 |
| Credit loss provision to net charge-offs | 333.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 216.0781% | 398 |
| Efficiency ratio | 74.3677% | 1,837 |
| Assets per employee ($millions) | 4.1889% | 3,674 |
| Cash dividends to net income (ytd only)* | 32.0388% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8810% | 4,644 |
| Loan loss allowance to noncurrent loans | 164.0157% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 3,605 |
| Noncurrent loans to loans | 0.5372% | 3,093 |
| Net loans and leases to total assets | 65.8169% | 3,127 |
| Net loans and leases to deposits | 74.9428% | 3,477 |
| Net loans and leases to core deposits | 75.1967% | 3,869 |
| Total domestic deposits to total assets | 87.8229% | 1,461 |
| Equity capital to assets | 8.6855% | 5,158 |
| Core capital (leverage) ratio | 8.9824% | 4,762 |
| Tier 1 risk-based capital ratio | 13.9560% | 3,463 |
| Total risk-based capital ratio | 14.9674% | 3,503 |
| Memoranda: | ||
| Average total assets | $347,055,750 | 1,941 |
| Average earning assets | $319,431,000 | 1,951 |
| Average equity | $30,169,500 | 2,364 |
| Average total loans | $231,530,250 | 1,937 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4563% | 4,860 |
| Cost of funding earning assets | 0.1060% | 5,579 |
| Net interest margin | 3.3502% | 3,947 |
| Noninterest income to average assets | 0.8510% | 1,414 |
| Noninterest expense to average assets | 2.9850% | 2,157 |
| Loan and lease loss provision to assets | 0.0233% | 3,524 |
| Net operating income to assets | 0.6784% | 3,943 |
| Return on assets (ROA) | 0.6784% | 4,012 |
| Pretax return on assets | 0.9283% | 3,839 |
| Return on Equity (ROE) | 7.8014% | 3,144 |
| Retained earnings to average equity (ytd only) | 5.1943% | 2,585 |
| Net charge-offs to loans | -0.0052% | 4,348 |
| Credit loss provision to net charge-offs | -666.6667% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3101% | 1,817 |
| Assets per employee ($millions) | 4.0001% | 3,957 |
| Cash dividends to net income (ytd only)* | 33.4190% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 4,643 |
| Loan loss allowance to noncurrent loans | 115.8214% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 2,990 |
| Noncurrent loans to loans | 0.7766% | 2,464 |
| Net loans and leases to total assets | 68.0794% | 2,809 |
| Net loans and leases to deposits | 77.7868% | 3,139 |
| Net loans and leases to core deposits | 78.0636% | 3,592 |
| Total domestic deposits to total assets | 87.5204% | 1,708 |
| Equity capital to assets | 8.9547% | 4,946 |
| Core capital (leverage) ratio | 8.8306% | 4,914 |
| Tier 1 risk-based capital ratio | 13.6742% | 3,605 |
| Total risk-based capital ratio | 14.6937% | 3,639 |
| Memoranda: | ||
| Average total assets | $344,056,670 | 1,957 |
| Average earning assets | $316,875,000 | 1,973 |
| Average equity | $29,917,670 | 2,376 |
| Average total loans | $229,898,330 | 1,943 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3902% | 4,945 |
| Cost of funding earning assets | 0.1141% | 5,597 |
| Net interest margin | 3.2761% | 4,096 |
| Noninterest income to average assets | 0.8957% | 1,259 |
| Noninterest expense to average assets | 2.9600% | 2,274 |
| Loan and lease loss provision to assets | 0.0231% | 3,280 |
| Net operating income to assets | 0.6808% | 3,786 |
| Return on assets (ROA) | 0.6808% | 3,823 |
| Pretax return on assets | 0.9327% | 3,648 |
| Return on Equity (ROE) | 7.9452% | 2,951 |
| Retained earnings to average equity (ytd only) | 5.3148% | 2,731 |
| Net charge-offs to loans | -0.0088% | 4,368 |
| Credit loss provision to net charge-offs | -400.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0885% | 2,054 |
| Assets per employee ($millions) | 4.1668% | 3,727 |
| Cash dividends to net income (ytd only)* | 33.1070% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 4,687 |
| Loan loss allowance to noncurrent loans | 119.3234% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 3,202 |
| Noncurrent loans to loans | 0.7692% | 2,550 |
| Net loans and leases to total assets | 64.9536% | 3,123 |
| Net loans and leases to deposits | 73.6631% | 3,434 |
| Net loans and leases to core deposits | 73.9918% | 3,828 |
| Total domestic deposits to total assets | 88.1767% | 1,606 |
| Equity capital to assets | 8.6467% | 5,112 |
| Core capital (leverage) ratio | 8.6957% | 5,051 |
| Tier 1 risk-based capital ratio | 13.8371% | 3,583 |
| Total risk-based capital ratio | 14.8732% | 3,611 |
| Memoranda: | ||
| Average total assets | $346,079,000 | 1,957 |
| Average earning assets | $319,039,500 | 1,967 |
| Average equity | $29,653,000 | 2,408 |
| Average total loans | $228,058,000 | 1,967 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 4,933 |
| Cost of funding earning assets | 0.1394% | 5,490 |
| Net interest margin | 3.2853% | 4,188 |
| Noninterest income to average assets | 0.9110% | 1,374 |
| Noninterest expense to average assets | 3.1438% | 1,914 |
| Loan and lease loss provision to assets | 0.0090% | 4,190 |
| Net operating income to assets | 0.5913% | 4,252 |
| Return on assets (ROA) | 0.6313% | 4,193 |
| Pretax return on assets | 0.8336% | 4,076 |
| Return on Equity (ROE) | 7.1654% | 3,382 |
| Retained earnings to average equity (ytd only) | 4.5802% | 2,659 |
| Net charge-offs to loans | -0.0082% | 4,894 |
| Credit loss provision to net charge-offs | -166.6667% | 4,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3937% | 1,496 |
| Assets per employee ($millions) | 4.0743% | 3,836 |
| Cash dividends to net income (ytd only)* | 36.0795% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 4,798 |
| Loan loss allowance to noncurrent loans | 104.9005% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6783% | 2,679 |
| Noncurrent loans to loans | 0.8540% | 2,395 |
| Net loans and leases to total assets | 65.6461% | 3,125 |
| Net loans and leases to deposits | 74.8812% | 3,427 |
| Net loans and leases to core deposits | 75.2169% | 3,819 |
| Total domestic deposits to total assets | 87.6670% | 1,804 |
| Equity capital to assets | 8.4899% | 5,279 |
| Core capital (leverage) ratio | 8.6585% | 5,116 |
| Tier 1 risk-based capital ratio | 13.6719% | 3,663 |
| Total risk-based capital ratio | 14.6998% | 3,698 |
| Memoranda: | ||
| Average total assets | $334,567,000 | 1,979 |
| Average earning assets | $307,828,000 | 1,991 |
| Average equity | $29,474,800 | 2,401 |
| Average total loans | $218,527,200 | 1,981 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4330% | 4,949 |
| Cost of funding earning assets | 0.1415% | 5,535 |
| Net interest margin | 3.2915% | 4,212 |
| Noninterest income to average assets | 0.8885% | 1,447 |
| Noninterest expense to average assets | 3.1689% | 1,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5639% | 4,442 |
| Return on assets (ROA) | 0.6055% | 4,386 |
| Pretax return on assets | 0.8061% | 4,291 |
| Return on Equity (ROE) | 6.8082% | 3,659 |
| Retained earnings to average equity (ytd only) | 4.2450% | 3,306 |
| Net charge-offs to loans | -0.0111% | 4,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3159% | 1,405 |
| Assets per employee ($millions) | 3.9143% | 4,103 |
| Cash dividends to net income (ytd only)* | 37.6493% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 4,864 |
| Loan loss allowance to noncurrent loans | 114.2132% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 2,975 |
| Noncurrent loans to loans | 0.7894% | 2,702 |
| Net loans and leases to total assets | 66.1205% | 3,104 |
| Net loans and leases to deposits | 76.5120% | 3,350 |
| Net loans and leases to core deposits | 76.7240% | 3,772 |
| Total domestic deposits to total assets | 86.4185% | 2,158 |
| Equity capital to assets | 8.9759% | 5,201 |
| Core capital (leverage) ratio | 8.7355% | 5,120 |
| Tier 1 risk-based capital ratio | 13.5160% | 3,853 |
| Total risk-based capital ratio | 14.5707% | 3,881 |
| Memoranda: | ||
| Average total assets | $331,629,750 | 2,000 |
| Average earning assets | $305,380,500 | 2,012 |
| Average equity | $29,493,000 | 2,405 |
| Average total loans | $215,809,500 | 2,007 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4410% | 4,999 |
| Cost of funding earning assets | 0.1421% | 5,598 |
| Net interest margin | 3.2989% | 4,236 |
| Noninterest income to average assets | 0.8304% | 1,610 |
| Noninterest expense to average assets | 3.1834% | 1,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5137% | 4,620 |
| Return on assets (ROA) | 0.5764% | 4,493 |
| Pretax return on assets | 0.7692% | 4,395 |
| Return on Equity (ROE) | 6.5021% | 3,803 |
| Retained earnings to average equity (ytd only) | 3.9587% | 3,380 |
| Net charge-offs to loans | -0.0160% | 4,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7327% | 1,303 |
| Assets per employee ($millions) | 3.8690% | 4,136 |
| Cash dividends to net income (ytd only)* | 39.1167% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 4,807 |
| Loan loss allowance to noncurrent loans | 94.6262% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.6507% | 3,050 |
| Noncurrent loans to loans | 0.9929% | 2,297 |
| Net loans and leases to total assets | 64.9214% | 3,237 |
| Net loans and leases to deposits | 75.6279% | 3,421 |
| Net loans and leases to core deposits | 75.7628% | 3,841 |
| Total domestic deposits to total assets | 85.8432% | 2,494 |
| Equity capital to assets | 9.1195% | 5,146 |
| Core capital (leverage) ratio | 8.7139% | 5,155 |
| Tier 1 risk-based capital ratio | 13.3512% | 3,988 |
| Total risk-based capital ratio | 14.4067% | 4,028 |
| Memoranda: | ||
| Average total assets | $329,961,670 | 2,020 |
| Average earning assets | $303,919,670 | 2,029 |
| Average equity | $29,252,000 | 2,427 |
| Average total loans | $212,876,330 | 2,027 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4225% | 5,074 |
| Cost of funding earning assets | 0.1485% | 5,622 |
| Net interest margin | 3.2740% | 4,321 |
| Noninterest income to average assets | 0.7588% | 1,780 |
| Noninterest expense to average assets | 3.1309% | 2,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4755% | 4,724 |
| Return on assets (ROA) | 0.5991% | 4,296 |
| Pretax return on assets | 0.8097% | 4,163 |
| Return on Equity (ROE) | 6.8554% | 3,537 |
| Retained earnings to average equity (ytd only) | 4.2794% | 3,339 |
| Net charge-offs to loans | -0.0359% | 5,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4246% | 1,337 |
| Assets per employee ($millions) | 3.7385% | 4,411 |
| Cash dividends to net income (ytd only)* | 37.5758% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 4,826 |
| Loan loss allowance to noncurrent loans | 91.5537% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6807% | 3,016 |
| Noncurrent loans to loans | 1.0415% | 2,305 |
| Net loans and leases to total assets | 64.7348% | 3,146 |
| Net loans and leases to deposits | 74.8470% | 3,336 |
| Net loans and leases to core deposits | 74.9141% | 3,799 |
| Total domestic deposits to total assets | 86.4896% | 2,450 |
| Equity capital to assets | 9.0490% | 5,122 |
| Core capital (leverage) ratio | 8.7105% | 5,160 |
| Tier 1 risk-based capital ratio | 13.3884% | 4,051 |
| Total risk-based capital ratio | 14.4289% | 4,073 |
| Memoranda: | ||
| Average total assets | $330,509,000 | 2,023 |
| Average earning assets | $304,335,500 | 2,033 |
| Average equity | $28,882,500 | 2,441 |
| Average total loans | $211,549,500 | 2,039 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4274% | 5,103 |
| Cost of funding earning assets | 0.1748% | 5,504 |
| Net interest margin | 3.2526% | 4,466 |
| Noninterest income to average assets | 0.8475% | 1,614 |
| Noninterest expense to average assets | 3.1752% | 2,020 |
| Loan and lease loss provision to assets | 0.1048% | 2,235 |
| Net operating income to assets | 0.4485% | 4,885 |
| Return on assets (ROA) | 0.5081% | 4,750 |
| Pretax return on assets | 0.6349% | 4,721 |
| Return on Equity (ROE) | 5.7917% | 4,135 |
| Retained earnings to average equity (ytd only) | 3.1627% | 3,803 |
| Net charge-offs to loans | 0.1906% | 1,520 |
| Credit loss provision to net charge-offs | 88.2507% | 2,788 |
| Earnings coverage of net charge-offs (x) | 5.6031% | 3,359 |
| Efficiency ratio | 82.1212% | 1,397 |
| Assets per employee ($millions) | 3.7307% | 4,410 |
| Cash dividends to net income (ytd only)* | 45.3935% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 4,846 |
| Loan loss allowance to noncurrent loans | 75.6879% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 0.7901% | 2,698 |
| Noncurrent loans to loans | 1.2602% | 1,866 |
| Net loans and leases to total assets | 62.1006% | 3,547 |
| Net loans and leases to deposits | 71.4466% | 3,772 |
| Net loans and leases to core deposits | 71.5084% | 4,176 |
| Total domestic deposits to total assets | 86.9188% | 2,181 |
| Equity capital to assets | 8.4383% | 5,611 |
| Core capital (leverage) ratio | 8.5737% | 5,353 |
| Tier 1 risk-based capital ratio | 13.5488% | 3,981 |
| Total risk-based capital ratio | 14.6010% | 4,027 |
| Memoranda: | ||
| Average total assets | $322,595,600 | 2,034 |
| Average earning assets | $296,843,000 | 2,036 |
| Average equity | $28,299,000 | 2,436 |
| Average total loans | $200,957,000 | 2,060 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4263% | 5,148 |
| Cost of funding earning assets | 0.1814% | 5,538 |
| Net interest margin | 3.2449% | 4,542 |
| Noninterest income to average assets | 0.8635% | 1,570 |
| Noninterest expense to average assets | 3.1935% | 1,984 |
| Loan and lease loss provision to assets | 0.1107% | 2,036 |
| Net operating income to assets | 0.4368% | 5,022 |
| Return on assets (ROA) | 0.5119% | 4,836 |
| Pretax return on assets | 0.6414% | 4,861 |
| Return on Equity (ROE) | 5.7780% | 4,261 |
| Retained earnings to average equity (ytd only) | 3.1482% | 4,218 |
| Net charge-offs to loans | 0.2384% | 1,100 |
| Credit loss provision to net charge-offs | 74.6479% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.4394% | 3,350 |
| Efficiency ratio | 82.3504% | 1,348 |
| Assets per employee ($millions) | 3.6500% | 4,519 |
| Cash dividends to net income (ytd only)* | 45.5137% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 4,910 |
| Loan loss allowance to noncurrent loans | 75.5778% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 0.7991% | 2,887 |
| Noncurrent loans to loans | 1.2786% | 1,999 |
| Net loans and leases to total assets | 61.8969% | 3,624 |
| Net loans and leases to deposits | 72.3504% | 3,725 |
| Net loans and leases to core deposits | 72.5960% | 4,142 |
| Total domestic deposits to total assets | 85.5515% | 2,758 |
| Equity capital to assets | 8.8752% | 5,423 |
| Core capital (leverage) ratio | 8.7497% | 5,300 |
| Tier 1 risk-based capital ratio | 13.8547% | 3,932 |
| Total risk-based capital ratio | 14.9034% | 3,977 |
| Memoranda: | ||
| Average total assets | $319,303,250 | 2,063 |
| Average earning assets | $294,034,750 | 2,064 |
| Average equity | $28,290,500 | 2,453 |
| Average total loans | $198,566,250 | 2,084 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4111% | 5,206 |
| Cost of funding earning assets | 0.1867% | 5,557 |
| Net interest margin | 3.2244% | 4,584 |
| Noninterest income to average assets | 0.8518% | 1,598 |
| Noninterest expense to average assets | 3.2093% | 1,961 |
| Loan and lease loss provision to assets | 0.1418% | 1,538 |
| Net operating income to assets | 0.3931% | 5,157 |
| Return on assets (ROA) | 0.4328% | 5,126 |
| Pretax return on assets | 0.5179% | 5,183 |
| Return on Equity (ROE) | 4.8879% | 4,668 |
| Retained earnings to average equity (ytd only) | 2.2412% | 4,595 |
| Net charge-offs to loans | 0.2882% | 906 |
| Credit loss provision to net charge-offs | 79.2254% | 2,344 |
| Earnings coverage of net charge-offs (x) | 3.4225% | 3,200 |
| Efficiency ratio | 83.3993% | 1,330 |
| Assets per employee ($millions) | 3.5386% | 4,722 |
| Cash dividends to net income (ytd only)* | 54.1485% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 4,867 |
| Loan loss allowance to noncurrent loans | 83.7180% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 0.7483% | 3,145 |
| Noncurrent loans to loans | 1.1956% | 2,267 |
| Net loans and leases to total assets | 61.9585% | 3,555 |
| Net loans and leases to deposits | 71.3805% | 3,771 |
| Net loans and leases to core deposits | 71.7094% | 4,165 |
| Total domestic deposits to total assets | 86.8004% | 2,267 |
| Equity capital to assets | 8.8385% | 5,395 |
| Core capital (leverage) ratio | 8.6236% | 5,411 |
| Tier 1 risk-based capital ratio | 13.7329% | 4,077 |
| Total risk-based capital ratio | 14.8024% | 4,116 |
| Memoranda: | ||
| Average total assets | $317,454,330 | 2,092 |
| Average earning assets | $292,395,330 | 2,091 |
| Average equity | $28,110,330 | 2,475 |
| Average total loans | $197,077,000 | 2,104 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4064% | 5,190 |
| Cost of funding earning assets | 0.1933% | 5,566 |
| Net interest margin | 3.2131% | 4,559 |
| Noninterest income to average assets | 0.7623% | 1,856 |
| Noninterest expense to average assets | 3.1942% | 1,999 |
| Loan and lease loss provision to assets | 0.1262% | 1,642 |
| Net operating income to assets | 0.3461% | 5,260 |
| Return on assets (ROA) | 0.3988% | 5,185 |
| Pretax return on assets | 0.4606% | 5,284 |
| Return on Equity (ROE) | 4.4996% | 4,756 |
| Retained earnings to average equity (ytd only) | 1.8511% | 4,730 |
| Net charge-offs to loans | 0.0184% | 2,793 |
| Credit loss provision to net charge-offs | 1,111.1111% | 311 |
| Earnings coverage of net charge-offs (x) | 46.3333% | 889 |
| Efficiency ratio | 85.2782% | 1,247 |
| Assets per employee ($millions) | 3.4596% | 4,971 |
| Cash dividends to net income (ytd only)* | 58.8608% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 4,603 |
| Loan loss allowance to noncurrent loans | 75.8669% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 0.8976% | 2,844 |
| Noncurrent loans to loans | 1.4275% | 2,004 |
| Net loans and leases to total assets | 62.1996% | 3,335 |
| Net loans and leases to deposits | 72.1585% | 3,520 |
| Net loans and leases to core deposits | 72.5095% | 3,916 |
| Total domestic deposits to total assets | 86.1987% | 2,830 |
| Equity capital to assets | 8.9945% | 5,299 |
| Core capital (leverage) ratio | 8.7170% | 5,307 |
| Tier 1 risk-based capital ratio | 13.6392% | 4,256 |
| Total risk-based capital ratio | 14.7835% | 4,222 |
| Memoranda: | ||
| Average total assets | $316,946,000 | 2,104 |
| Average earning assets | $291,803,500 | 2,104 |
| Average equity | $28,091,500 | 2,497 |
| Average total loans | $195,958,000 | 2,117 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5573% | 5,195 |
| Cost of funding earning assets | 0.2325% | 5,500 |
| Net interest margin | 3.3248% | 4,488 |
| Noninterest income to average assets | 0.8573% | 1,652 |
| Noninterest expense to average assets | 3.3275% | 1,857 |
| Loan and lease loss provision to assets | 0.0329% | 3,940 |
| Net operating income to assets | 0.4536% | 5,004 |
| Return on assets (ROA) | 0.4781% | 4,991 |
| Pretax return on assets | 0.5672% | 5,046 |
| Return on Equity (ROE) | 5.3101% | 4,508 |
| Retained earnings to average equity (ytd only) | 2.5949% | 4,396 |
| Net charge-offs to loans | 0.2227% | 1,885 |
| Credit loss provision to net charge-offs | 23.9808% | 3,923 |
| Earnings coverage of net charge-offs (x) | 4.1655% | 3,720 |
| Efficiency ratio | 84.7762% | 1,311 |
| Assets per employee ($millions) | 3.3586% | 5,142 |
| Cash dividends to net income (ytd only)* | 51.1340% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 4,774 |
| Loan loss allowance to noncurrent loans | 76.4903% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 0.8412% | 3,106 |
| Noncurrent loans to loans | 1.3838% | 2,117 |
| Net loans and leases to total assets | 60.1438% | 3,769 |
| Net loans and leases to deposits | 69.4511% | 3,981 |
| Net loans and leases to core deposits | 69.7822% | 4,344 |
| Total domestic deposits to total assets | 86.5987% | 2,512 |
| Equity capital to assets | 8.7336% | 5,555 |
| Core capital (leverage) ratio | 8.6635% | 5,375 |
| Tier 1 risk-based capital ratio | 13.7589% | 4,261 |
| Total risk-based capital ratio | 14.8755% | 4,276 |
| Memoranda: | ||
| Average total assets | $304,315,400 | 2,136 |
| Average earning assets | $278,328,800 | 2,141 |
| Average equity | $27,400,400 | 2,455 |
| Average total loans | $187,211,200 | 2,141 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5840% | 5,185 |
| Cost of funding earning assets | 0.2406% | 5,504 |
| Net interest margin | 3.3434% | 4,455 |
| Noninterest income to average assets | 0.8591% | 1,665 |
| Noninterest expense to average assets | 3.3281% | 1,845 |
| Loan and lease loss provision to assets | 0.0444% | 3,508 |
| Net operating income to assets | 0.4512% | 5,070 |
| Return on assets (ROA) | 0.4843% | 5,002 |
| Pretax return on assets | 0.5770% | 5,098 |
| Return on Equity (ROE) | 5.3363% | 4,559 |
| Retained earnings to average equity (ytd only) | 2.6095% | 4,732 |
| Net charge-offs to loans | 0.2896% | 1,364 |
| Credit loss provision to net charge-offs | 24.8139% | 3,525 |
| Earnings coverage of net charge-offs (x) | 3.2556% | 3,699 |
| Efficiency ratio | 84.5281% | 1,324 |
| Assets per employee ($millions) | 3.3831% | 5,071 |
| Cash dividends to net income (ytd only)* | 51.0989% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 4,840 |
| Loan loss allowance to noncurrent loans | 78.1179% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 0.9228% | 3,137 |
| Noncurrent loans to loans | 1.3829% | 2,337 |
| Net loans and leases to total assets | 61.4809% | 3,564 |
| Net loans and leases to deposits | 71.0414% | 3,787 |
| Net loans and leases to core deposits | 71.3919% | 4,217 |
| Total domestic deposits to total assets | 86.5423% | 2,564 |
| Equity capital to assets | 8.9141% | 5,446 |
| Core capital (leverage) ratio | 8.8199% | 5,310 |
| Tier 1 risk-based capital ratio | 13.7983% | 4,359 |
| Total risk-based capital ratio | 14.9334% | 4,365 |
| Memoranda: | ||
| Average total assets | $300,627,500 | 2,169 |
| Average earning assets | $274,324,250 | 2,179 |
| Average equity | $27,284,000 | 2,469 |
| Average total loans | $185,526,000 | 2,175 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5637% | 5,249 |
| Cost of funding earning assets | 0.2450% | 5,533 |
| Net interest margin | 3.3187% | 4,514 |
| Noninterest income to average assets | 0.8490% | 1,667 |
| Noninterest expense to average assets | 3.3258% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4608% | 4,969 |
| Return on assets (ROA) | 0.4963% | 4,906 |
| Pretax return on assets | 0.5908% | 4,981 |
| Return on Equity (ROE) | 5.4350% | 4,468 |
| Retained earnings to average equity (ytd only) | 2.7028% | 4,483 |
| Net charge-offs to loans | 0.3039% | 1,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.9319% | 3,427 |
| Efficiency ratio | 85.2346% | 1,352 |
| Assets per employee ($millions) | 3.2840% | 5,286 |
| Cash dividends to net income (ytd only)* | 50.2703% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 4,682 |
| Loan loss allowance to noncurrent loans | 66.6560% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.0752% | 2,916 |
| Noncurrent loans to loans | 1.7176% | 2,012 |
| Net loans and leases to total assets | 60.4174% | 3,649 |
| Net loans and leases to deposits | 70.4255% | 3,765 |
| Net loans and leases to core deposits | 70.7856% | 4,176 |
| Total domestic deposits to total assets | 85.7891% | 3,159 |
| Equity capital to assets | 9.2497% | 5,036 |
| Core capital (leverage) ratio | 8.9308% | 5,112 |
| Tier 1 risk-based capital ratio | 14.2219% | 4,114 |
| Total risk-based capital ratio | 15.4127% | 4,081 |
| Memoranda: | ||
| Average total assets | $298,216,670 | 2,187 |
| Average earning assets | $271,854,330 | 2,198 |
| Average equity | $27,231,000 | 2,461 |
| Average total loans | $183,587,330 | 2,188 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5343% | 5,338 |
| Cost of funding earning assets | 0.2466% | 5,614 |
| Net interest margin | 3.2876% | 4,597 |
| Noninterest income to average assets | 0.7747% | 1,855 |
| Noninterest expense to average assets | 3.3219% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3824% | 5,175 |
| Return on assets (ROA) | 0.4552% | 4,982 |
| Pretax return on assets | 0.5263% | 5,091 |
| Return on Equity (ROE) | 5.0175% | 4,546 |
| Retained earnings to average equity (ytd only) | 2.2645% | 4,699 |
| Net charge-offs to loans | 0.5933% | 624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.2051% | 3,148 |
| Efficiency ratio | 87.6561% | 1,266 |
| Assets per employee ($millions) | 3.3460% | 5,265 |
| Cash dividends to net income (ytd only)* | 54.8673% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 4,892 |
| Loan loss allowance to noncurrent loans | 69.5753% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.0494% | 3,157 |
| Noncurrent loans to loans | 1.6474% | 2,360 |
| Net loans and leases to total assets | 61.4238% | 3,325 |
| Net loans and leases to deposits | 71.2768% | 3,434 |
| Net loans and leases to core deposits | 71.6442% | 3,906 |
| Total domestic deposits to total assets | 86.1764% | 3,268 |
| Equity capital to assets | 9.2020% | 4,874 |
| Core capital (leverage) ratio | 8.9847% | 5,033 |
| Tier 1 risk-based capital ratio | 14.0094% | 4,330 |
| Total risk-based capital ratio | 15.1960% | 4,309 |
| Memoranda: | ||
| Average total assets | $297,904,500 | 2,188 |
| Average earning assets | $270,833,000 | 2,212 |
| Average equity | $27,025,500 | 2,470 |
| Average total loans | $184,059,500 | 2,190 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6203% | 5,356 |
| Cost of funding earning assets | 0.2917% | 5,661 |
| Net interest margin | 3.3286% | 4,561 |
| Noninterest income to average assets | 1.0300% | 1,325 |
| Noninterest expense to average assets | 3.3073% | 2,122 |
| Loan and lease loss provision to assets | 0.0303% | 4,502 |
| Net operating income to assets | 0.5968% | 4,276 |
| Return on assets (ROA) | 0.5976% | 4,390 |
| Pretax return on assets | 0.7150% | 4,484 |
| Return on Equity (ROE) | 6.5841% | 3,782 |
| Retained earnings to average equity (ytd only) | 3.8259% | 3,484 |
| Net charge-offs to loans | 0.0898% | 3,948 |
| Credit loss provision to net charge-offs | 55.5556% | 3,681 |
| Earnings coverage of net charge-offs (x) | 13.6543% | 2,001 |
| Efficiency ratio | 81.0564% | 2,018 |
| Assets per employee ($millions) | 3.3117% | 5,262 |
| Cash dividends to net income (ytd only)* | 41.8919% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 4,245 |
| Loan loss allowance to noncurrent loans | 74.5672% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 3,307 |
| Noncurrent loans to loans | 1.7158% | 2,341 |
| Net loans and leases to total assets | 60.6554% | 3,597 |
| Net loans and leases to deposits | 70.2229% | 3,760 |
| Net loans and leases to core deposits | 70.5745% | 4,234 |
| Total domestic deposits to total assets | 86.3756% | 3,057 |
| Equity capital to assets | 8.9447% | 5,106 |
| Core capital (leverage) ratio | 8.8445% | 5,217 |
| Tier 1 risk-based capital ratio | 13.5276% | 4,636 |
| Total risk-based capital ratio | 14.7783% | 4,579 |
| Memoranda: | ||
| Average total assets | $297,187,800 | 2,161 |
| Average earning assets | $269,784,600 | 2,180 |
| Average equity | $26,974,000 | 2,457 |
| Average total loans | $180,355,400 | 2,193 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6290% | 5,362 |
| Cost of funding earning assets | 0.3012% | 5,725 |
| Net interest margin | 3.3278% | 4,539 |
| Noninterest income to average assets | 1.0846% | 1,245 |
| Noninterest expense to average assets | 3.2555% | 2,192 |
| Loan and lease loss provision to assets | 0.0405% | 4,199 |
| Net operating income to assets | 0.6616% | 4,059 |
| Return on assets (ROA) | 0.6627% | 4,190 |
| Pretax return on assets | 0.8144% | 4,238 |
| Return on Equity (ROE) | 7.2748% | 3,501 |
| Retained earnings to average equity (ytd only) | 4.5171% | 3,459 |
| Net charge-offs to loans | 0.0290% | 4,548 |
| Credit loss provision to net charge-offs | 230.7692% | 1,048 |
| Earnings coverage of net charge-offs (x) | 48.6142% | 884 |
| Efficiency ratio | 78.6567% | 2,315 |
| Assets per employee ($millions) | 3.3644% | 5,148 |
| Cash dividends to net income (ytd only)* | 37.9075% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 3,880 |
| Loan loss allowance to noncurrent loans | 73.3667% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.1729% | 3,311 |
| Noncurrent loans to loans | 1.9127% | 2,348 |
| Net loans and leases to total assets | 58.4978% | 3,922 |
| Net loans and leases to deposits | 67.1879% | 4,154 |
| Net loans and leases to core deposits | 67.7933% | 4,543 |
| Total domestic deposits to total assets | 87.0660% | 2,659 |
| Equity capital to assets | 9.0380% | 5,143 |
| Core capital (leverage) ratio | 9.0151% | 5,103 |
| Tier 1 risk-based capital ratio | 14.1058% | 4,350 |
| Total risk-based capital ratio | 15.3580% | 4,296 |
| Memoranda: | ||
| Average total assets | $296,144,000 | 2,180 |
| Average earning assets | $269,162,000 | 2,195 |
| Average equity | $26,978,500 | 2,486 |
| Average total loans | $179,153,750 | 2,206 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 5,368 |
| Cost of funding earning assets | 0.3113% | 5,745 |
| Net interest margin | 3.3111% | 4,532 |
| Noninterest income to average assets | 1.1741% | 1,103 |
| Noninterest expense to average assets | 3.2205% | 2,299 |
| Loan and lease loss provision to assets | 0.0305% | 4,322 |
| Net operating income to assets | 0.7450% | 3,593 |
| Return on assets (ROA) | 0.7450% | 3,748 |
| Pretax return on assets | 0.9368% | 3,757 |
| Return on Equity (ROE) | 8.1557% | 3,010 |
| Retained earnings to average equity (ytd only) | 5.3951% | 2,816 |
| Net charge-offs to loans | 0.0056% | 4,785 |
| Credit loss provision to net charge-offs | 900.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 285.4000% | 178 |
| Efficiency ratio | 76.3354% | 2,735 |
| Assets per employee ($millions) | 3.3315% | 5,206 |
| Cash dividends to net income (ytd only)* | 33.8490% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 3,964 |
| Loan loss allowance to noncurrent loans | 117.9097% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7656% | 4,307 |
| Noncurrent loans to loans | 1.2004% | 3,556 |
| Net loans and leases to total assets | 59.6437% | 3,723 |
| Net loans and leases to deposits | 68.7200% | 3,905 |
| Net loans and leases to core deposits | 69.6413% | 4,307 |
| Total domestic deposits to total assets | 86.7924% | 2,948 |
| Equity capital to assets | 9.2551% | 4,915 |
| Core capital (leverage) ratio | 8.9155% | 5,122 |
| Tier 1 risk-based capital ratio | 13.8542% | 4,522 |
| Total risk-based capital ratio | 15.1061% | 4,492 |
| Memoranda: | ||
| Average total assets | $295,047,000 | 2,196 |
| Average earning assets | $268,551,330 | 2,202 |
| Average equity | $26,950,330 | 2,493 |
| Average total loans | $179,653,000 | 2,204 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 5,390 |
| Cost of funding earning assets | 0.3246% | 5,765 |
| Net interest margin | 3.2958% | 4,530 |
| Noninterest income to average assets | 1.1813% | 1,075 |
| Noninterest expense to average assets | 3.1567% | 2,496 |
| Loan and lease loss provision to assets | 0.0605% | 3,633 |
| Net operating income to assets | 0.7633% | 3,365 |
| Return on assets (ROA) | 0.7633% | 3,505 |
| Pretax return on assets | 0.9662% | 3,506 |
| Return on Equity (ROE) | 8.4108% | 2,766 |
| Retained earnings to average equity (ytd only) | 5.6565% | 2,860 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9117% | 3,108 |
| Assets per employee ($millions) | 3.4242% | 5,151 |
| Cash dividends to net income (ytd only)* | 32.7465% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 4,288 |
| Loan loss allowance to noncurrent loans | 113.7694% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.7810% | 4,424 |
| Noncurrent loans to loans | 1.2226% | 3,733 |
| Net loans and leases to total assets | 59.8753% | 3,449 |
| Net loans and leases to deposits | 69.2256% | 3,610 |
| Net loans and leases to core deposits | 70.2102% | 4,052 |
| Total domestic deposits to total assets | 86.4930% | 3,236 |
| Equity capital to assets | 9.2167% | 5,234 |
| Core capital (leverage) ratio | 8.7267% | 5,289 |
| Tier 1 risk-based capital ratio | 13.7027% | 4,719 |
| Total risk-based capital ratio | 14.9546% | 4,682 |
| Memoranda: | ||
| Average total assets | $297,650,000 | 2,201 |
| Average earning assets | $271,132,000 | 2,209 |
| Average equity | $27,013,000 | 2,521 |
| Average total loans | $181,802,500 | 2,193 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 5,010 |
| Cost of funding earning assets | 0.4231% | 5,764 |
| Net interest margin | 3.6595% | 3,830 |
| Noninterest income to average assets | 1.2933% | 923 |
| Noninterest expense to average assets | 3.3870% | 2,081 |
| Loan and lease loss provision to assets | 0.0971% | 4,437 |
| Net operating income to assets | 0.8948% | 2,849 |
| Return on assets (ROA) | 0.8948% | 3,077 |
| Pretax return on assets | 1.1441% | 3,008 |
| Return on Equity (ROE) | 9.8035% | 2,256 |
| Retained earnings to average equity (ytd only) | 6.9566% | 1,590 |
| Net charge-offs to loans | 0.1409% | 4,286 |
| Credit loss provision to net charge-offs | 107.7519% | 2,744 |
| Earnings coverage of net charge-offs (x) | 13.7752% | 1,791 |
| Efficiency ratio | 72.6607% | 3,292 |
| Assets per employee ($millions) | 3.4577% | 5,093 |
| Cash dividends to net income (ytd only)* | 29.0398% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 4,524 |
| Loan loss allowance to noncurrent loans | 108.9206% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7832% | 4,500 |
| Noncurrent loans to loans | 1.2132% | 3,823 |
| Net loans and leases to total assets | 60.6194% | 3,489 |
| Net loans and leases to deposits | 70.6544% | 3,613 |
| Net loans and leases to core deposits | 71.6443% | 4,086 |
| Total domestic deposits to total assets | 85.7970% | 3,458 |
| Equity capital to assets | 8.9371% | 5,594 |
| Core capital (leverage) ratio | 8.6278% | 5,429 |
| Tier 1 risk-based capital ratio | 13.3690% | 4,840 |
| Total risk-based capital ratio | 14.6208% | 4,795 |
| Memoranda: | ||
| Average total assets | $286,328,200 | 2,227 |
| Average earning assets | $260,939,600 | 2,225 |
| Average equity | $26,133,400 | 2,554 |
| Average total loans | $183,088,200 | 2,163 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 5,006 |
| Cost of funding earning assets | 0.4435% | 5,844 |
| Net interest margin | 3.7034% | 3,787 |
| Noninterest income to average assets | 1.2300% | 986 |
| Noninterest expense to average assets | 3.3679% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9489% | 2,749 |
| Return on assets (ROA) | 0.9489% | 2,979 |
| Pretax return on assets | 1.2375% | 2,834 |
| Return on Equity (ROE) | 10.3394% | 2,202 |
| Retained earnings to average equity (ytd only) | 7.4719% | 1,866 |
| Net charge-offs to loans | 0.0146% | 5,489 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 131.1804% | 333 |
| Efficiency ratio | 72.5960% | 3,212 |
| Assets per employee ($millions) | 3.3455% | 5,329 |
| Cash dividends to net income (ytd only)* | 27.7335% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 4,860 |
| Loan loss allowance to noncurrent loans | 73.5907% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.1345% | 4,019 |
| Noncurrent loans to loans | 1.7524% | 3,153 |
| Net loans and leases to total assets | 63.9031% | 3,039 |
| Net loans and leases to deposits | 74.3548% | 3,230 |
| Net loans and leases to core deposits | 75.5216% | 3,789 |
| Total domestic deposits to total assets | 85.9434% | 3,287 |
| Equity capital to assets | 9.2993% | 5,466 |
| Core capital (leverage) ratio | 8.8603% | 5,253 |
| Tier 1 risk-based capital ratio | 13.0733% | 5,190 |
| Total risk-based capital ratio | 14.3243% | 5,146 |
| Memoranda: | ||
| Average total assets | $282,704,500 | 2,275 |
| Average earning assets | $257,669,750 | 2,279 |
| Average equity | $25,945,500 | 2,595 |
| Average total loans | $182,660,500 | 2,190 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1858% | 5,001 |
| Cost of funding earning assets | 0.4584% | 5,914 |
| Net interest margin | 3.7274% | 3,693 |
| Noninterest income to average assets | 1.1607% | 1,054 |
| Noninterest expense to average assets | 3.3291% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9394% | 2,717 |
| Return on assets (ROA) | 0.9394% | 2,976 |
| Pretax return on assets | 1.2283% | 2,810 |
| Return on Equity (ROE) | 10.2821% | 2,248 |
| Retained earnings to average equity (ytd only) | 7.3844% | 1,922 |
| Net charge-offs to loans | 0.0231% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 82.1905% | 501 |
| Efficiency ratio | 72.5016% | 3,342 |
| Assets per employee ($millions) | 3.3602% | 5,301 |
| Cash dividends to net income (ytd only)* | 28.1818% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 4,744 |
| Loan loss allowance to noncurrent loans | 73.0009% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.1793% | 4,047 |
| Noncurrent loans to loans | 1.8224% | 3,188 |
| Net loans and leases to total assets | 63.8515% | 3,070 |
| Net loans and leases to deposits | 74.8932% | 3,143 |
| Net loans and leases to core deposits | 76.1134% | 3,761 |
| Total domestic deposits to total assets | 85.2568% | 3,733 |
| Equity capital to assets | 9.3828% | 5,215 |
| Core capital (leverage) ratio | 8.7887% | 5,232 |
| Tier 1 risk-based capital ratio | 13.0883% | 5,122 |
| Total risk-based capital ratio | 14.3397% | 5,104 |
| Memoranda: | ||
| Average total assets | $281,036,330 | 2,294 |
| Average earning assets | $256,106,000 | 2,295 |
| Average equity | $25,675,670 | 2,608 |
| Average total loans | $181,461,670 | 2,205 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2126% | 5,064 |
| Cost of funding earning assets | 0.4734% | 5,990 |
| Net interest margin | 3.7392% | 3,638 |
| Noninterest income to average assets | 1.0975% | 1,181 |
| Noninterest expense to average assets | 3.2456% | 2,453 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9486% | 2,701 |
| Return on assets (ROA) | 0.9486% | 2,911 |
| Pretax return on assets | 1.2563% | 2,705 |
| Return on Equity (ROE) | 10.5232% | 2,220 |
| Retained earnings to average equity (ytd only) | 7.5975% | 2,127 |
| Net charge-offs to loans | -0.0022% | 5,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5591% | 3,517 |
| Assets per employee ($millions) | 3.3658% | 5,418 |
| Cash dividends to net income (ytd only)* | 27.8027% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 4,916 |
| Loan loss allowance to noncurrent loans | 138.2202% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.6275% | 5,322 |
| Noncurrent loans to loans | 0.9570% | 4,761 |
| Net loans and leases to total assets | 64.6998% | 2,714 |
| Net loans and leases to deposits | 75.5501% | 2,877 |
| Net loans and leases to core deposits | 76.7704% | 3,509 |
| Total domestic deposits to total assets | 85.6383% | 3,724 |
| Equity capital to assets | 9.1910% | 5,244 |
| Core capital (leverage) ratio | 8.6158% | 5,421 |
| Tier 1 risk-based capital ratio | 12.8661% | 5,308 |
| Total risk-based capital ratio | 14.1180% | 5,287 |
| Memoranda: | ||
| Average total assets | $282,107,500 | 2,302 |
| Average earning assets | $256,846,000 | 2,310 |
| Average equity | $25,429,500 | 2,629 |
| Average total loans | $181,953,000 | 2,211 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 5,221 |
| Cost of funding earning assets | 0.5452% | 6,365 |
| Net interest margin | 3.9138% | 3,274 |
| Noninterest income to average assets | 1.0425% | 1,246 |
| Noninterest expense to average assets | 3.5944% | 1,758 |
| Loan and lease loss provision to assets | 0.0294% | 6,204 |
| Net operating income to assets | 0.7898% | 3,080 |
| Return on assets (ROA) | 0.7921% | 3,239 |
| Pretax return on assets | 0.9764% | 3,331 |
| Return on Equity (ROE) | 8.9493% | 2,473 |
| Retained earnings to average equity (ytd only) | 5.5819% | 2,250 |
| Net charge-offs to loans | 0.0243% | 6,097 |
| Credit loss provision to net charge-offs | 181.8182% | 1,422 |
| Earnings coverage of net charge-offs (x) | 62.0909% | 469 |
| Efficiency ratio | 77.6349% | 2,641 |
| Assets per employee ($millions) | 3.3911% | 5,269 |
| Cash dividends to net income (ytd only)* | 37.6274% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 4,712 |
| Loan loss allowance to noncurrent loans | 155.4557% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 5,603 |
| Noncurrent loans to loans | 0.8620% | 4,964 |
| Net loans and leases to total assets | 62.5987% | 3,492 |
| Net loans and leases to deposits | 73.5708% | 3,567 |
| Net loans and leases to core deposits | 74.7401% | 4,143 |
| Total domestic deposits to total assets | 85.0864% | 3,796 |
| Equity capital to assets | 8.8407% | 5,746 |
| Core capital (leverage) ratio | 8.4193% | 5,689 |
| Tier 1 risk-based capital ratio | 12.6547% | 5,333 |
| Total risk-based capital ratio | 13.9067% | 5,314 |
| Memoranda: | ||
| Average total assets | $272,427,000 | 2,319 |
| Average earning assets | $247,429,800 | 2,330 |
| Average equity | $24,113,600 | 2,658 |
| Average total loans | $181,394,800 | 2,222 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5179% | 5,208 |
| Cost of funding earning assets | 0.5616% | 6,468 |
| Net interest margin | 3.9563% | 3,122 |
| Noninterest income to average assets | 0.9500% | 1,485 |
| Noninterest expense to average assets | 3.5580% | 1,800 |
| Loan and lease loss provision to assets | 0.0396% | 5,948 |
| Net operating income to assets | 0.7767% | 3,270 |
| Return on assets (ROA) | 0.7763% | 3,436 |
| Pretax return on assets | 0.9441% | 3,603 |
| Return on Equity (ROE) | 8.7670% | 2,700 |
| Retained earnings to average equity (ytd only) | 5.2222% | 3,046 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7657% | 2,573 |
| Assets per employee ($millions) | 3.1250% | 5,848 |
| Cash dividends to net income (ytd only)* | 40.4337% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 4,717 |
| Loan loss allowance to noncurrent loans | 147.4880% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 5,589 |
| Noncurrent loans to loans | 0.9247% | 5,032 |
| Net loans and leases to total assets | 65.6006% | 2,984 |
| Net loans and leases to deposits | 76.6342% | 3,222 |
| Net loans and leases to core deposits | 77.9059% | 3,920 |
| Total domestic deposits to total assets | 85.6023% | 3,443 |
| Equity capital to assets | 9.1096% | 5,631 |
| Core capital (leverage) ratio | 8.5281% | 5,671 |
| Tier 1 risk-based capital ratio | 12.5280% | 5,466 |
| Total risk-based capital ratio | 13.7804% | 5,453 |
| Memoranda: | ||
| Average total assets | $269,320,250 | 2,359 |
| Average earning assets | $244,534,500 | 2,359 |
| Average equity | $23,846,250 | 2,689 |
| Average total loans | $181,559,250 | 2,246 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5677% | 5,110 |
| Cost of funding earning assets | 0.5772% | 6,550 |
| Net interest margin | 3.9905% | 2,882 |
| Noninterest income to average assets | 0.9565% | 1,442 |
| Noninterest expense to average assets | 3.6429% | 1,644 |
| Loan and lease loss provision to assets | 0.0596% | 5,563 |
| Net operating income to assets | 0.7301% | 3,386 |
| Return on assets (ROA) | 0.7301% | 3,503 |
| Pretax return on assets | 0.8746% | 3,738 |
| Return on Equity (ROE) | 8.3265% | 2,796 |
| Retained earnings to average equity (ytd only) | 5.3018% | 2,812 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0202% | 2,554 |
| Assets per employee ($millions) | 3.0058% | 6,078 |
| Cash dividends to net income (ytd only)* | 36.3265% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 4,798 |
| Loan loss allowance to noncurrent loans | 167.1864% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 5,811 |
| Noncurrent loans to loans | 0.8115% | 5,301 |
| Net loans and leases to total assets | 67.7845% | 2,666 |
| Net loans and leases to deposits | 81.1307% | 2,592 |
| Net loans and leases to core deposits | 83.0619% | 3,355 |
| Total domestic deposits to total assets | 83.5497% | 4,533 |
| Equity capital to assets | 9.1404% | 5,373 |
| Core capital (leverage) ratio | 8.4732% | 5,599 |
| Tier 1 risk-based capital ratio | 12.4300% | 5,415 |
| Total risk-based capital ratio | 13.6826% | 5,394 |
| Memoranda: | ||
| Average total assets | $268,468,000 | 2,378 |
| Average earning assets | $243,580,670 | 2,383 |
| Average equity | $23,539,330 | 2,694 |
| Average total loans | $181,806,000 | 2,260 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4535% | 5,503 |
| Cost of funding earning assets | 0.5905% | 6,649 |
| Net interest margin | 3.8630% | 3,328 |
| Noninterest income to average assets | 0.9776% | 1,394 |
| Noninterest expense to average assets | 3.6990% | 1,536 |
| Loan and lease loss provision to assets | 0.1183% | 4,531 |
| Net operating income to assets | 0.5887% | 4,093 |
| Return on assets (ROA) | 0.5887% | 4,161 |
| Pretax return on assets | 0.6626% | 4,447 |
| Return on Equity (ROE) | 6.8560% | 3,463 |
| Retained earnings to average equity (ytd only) | 3.7898% | 3,902 |
| Net charge-offs to loans | 0.0022% | 5,096 |
| Credit loss provision to net charge-offs | 8,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 528.0000% | 45 |
| Efficiency ratio | 82.0073% | 2,226 |
| Assets per employee ($millions) | 3.0768% | 5,992 |
| Cash dividends to net income (ytd only)* | 44.7236% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 4,840 |
| Loan loss allowance to noncurrent loans | 143.2307% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.9310% | 5,031 |
| Noncurrent loans to loans | 0.9516% | 5,131 |
| Net loans and leases to total assets | 66.6410% | 2,846 |
| Net loans and leases to deposits | 78.5286% | 2,971 |
| Net loans and leases to core deposits | 80.3427% | 3,698 |
| Total domestic deposits to total assets | 84.8621% | 4,101 |
| Equity capital to assets | 8.7194% | 5,630 |
| Core capital (leverage) ratio | 8.2556% | 5,892 |
| Tier 1 risk-based capital ratio | 12.1165% | 5,586 |
| Total risk-based capital ratio | 13.3689% | 5,579 |
| Memoranda: | ||
| Average total assets | $270,449,000 | 2,386 |
| Average earning assets | $245,198,000 | 2,396 |
| Average equity | $23,220,500 | 2,724 |
| Average total loans | $181,829,000 | 2,293 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7334% | 5,678 |
| Cost of funding earning assets | 0.7325% | 6,787 |
| Net interest margin | 4.0009% | 3,016 |
| Noninterest income to average assets | 0.9679% | 1,619 |
| Noninterest expense to average assets | 3.7091% | 1,681 |
| Loan and lease loss provision to assets | 0.2445% | 4,842 |
| Net operating income to assets | 0.5672% | 3,814 |
| Return on assets (ROA) | 0.6149% | 3,775 |
| Pretax return on assets | 0.6924% | 4,000 |
| Return on Equity (ROE) | 7.3318% | 2,960 |
| Retained earnings to average equity (ytd only) | 4.1965% | 2,904 |
| Net charge-offs to loans | 0.2905% | 4,567 |
| Credit loss provision to net charge-offs | 122.5926% | 3,410 |
| Earnings coverage of net charge-offs (x) | 4.4296% | 2,926 |
| Efficiency ratio | 80.2107% | 2,388 |
| Assets per employee ($millions) | 3.0024% | 6,095 |
| Cash dividends to net income (ytd only)* | 42.7628% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 4,978 |
| Loan loss allowance to noncurrent loans | 141.4345% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.9388% | 5,129 |
| Noncurrent loans to loans | 0.9228% | 5,210 |
| Net loans and leases to total assets | 66.0360% | 3,462 |
| Net loans and leases to deposits | 78.2570% | 3,474 |
| Net loans and leases to core deposits | 80.1061% | 4,199 |
| Total domestic deposits to total assets | 84.3836% | 4,186 |
| Equity capital to assets | 8.4551% | 5,917 |
| Core capital (leverage) ratio | 8.0623% | 6,089 |
| Tier 1 risk-based capital ratio | 11.8283% | 5,630 |
| Total risk-based capital ratio | 13.0796% | 5,623 |
| Memoranda: | ||
| Average total assets | $270,790,200 | 2,356 |
| Average earning assets | $245,319,400 | 2,378 |
| Average equity | $22,709,200 | 2,802 |
| Average total loans | $185,906,200 | 2,292 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 5,709 |
| Cost of funding earning assets | 0.7642% | 6,869 |
| Net interest margin | 4.0251% | 2,983 |
| Noninterest income to average assets | 0.8572% | 1,967 |
| Noninterest expense to average assets | 3.7569% | 1,463 |
| Loan and lease loss provision to assets | 0.2517% | 4,576 |
| Net operating income to assets | 0.4652% | 4,466 |
| Return on assets (ROA) | 0.5325% | 4,346 |
| Pretax return on assets | 0.5670% | 4,703 |
| Return on Equity (ROE) | 6.3625% | 3,646 |
| Retained earnings to average equity (ytd only) | 3.2137% | 4,178 |
| Net charge-offs to loans | 0.1571% | 5,060 |
| Credit loss provision to net charge-offs | 231.8182% | 1,476 |
| Earnings coverage of net charge-offs (x) | 6.8817% | 2,432 |
| Efficiency ratio | 82.8421% | 1,968 |
| Assets per employee ($millions) | 2.9604% | 6,248 |
| Cash dividends to net income (ytd only)* | 49.4901% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 4,632 |
| Loan loss allowance to noncurrent loans | 92.8753% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 4,967 |
| Noncurrent loans to loans | 1.4737% | 4,417 |
| Net loans and leases to total assets | 66.8767% | 3,495 |
| Net loans and leases to deposits | 82.0888% | 3,088 |
| Net loans and leases to core deposits | 84.2921% | 3,899 |
| Total domestic deposits to total assets | 81.4688% | 5,210 |
| Equity capital to assets | 8.4311% | 6,357 |
| Core capital (leverage) ratio | 7.8676% | 6,499 |
| Tier 1 risk-based capital ratio | 11.3382% | 6,066 |
| Total risk-based capital ratio | 12.5902% | 6,057 |
| Memoranda: | ||
| Average total assets | $270,183,000 | 2,391 |
| Average earning assets | $244,792,500 | 2,421 |
| Average equity | $22,611,250 | 2,854 |
| Average total loans | $186,680,500 | 2,312 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7918% | 5,823 |
| Cost of funding earning assets | 0.7966% | 6,925 |
| Net interest margin | 3.9953% | 3,041 |
| Noninterest income to average assets | 0.7539% | 2,370 |
| Noninterest expense to average assets | 3.7628% | 1,431 |
| Loan and lease loss provision to assets | 0.1564% | 5,335 |
| Net operating income to assets | 0.4552% | 4,529 |
| Return on assets (ROA) | 0.4552% | 4,688 |
| Pretax return on assets | 0.4477% | 5,067 |
| Return on Equity (ROE) | 5.4527% | 4,071 |
| Retained earnings to average equity (ytd only) | 2.2757% | 4,707 |
| Net charge-offs to loans | 0.2325% | 4,212 |
| Credit loss provision to net charge-offs | 96.7742% | 4,215 |
| Earnings coverage of net charge-offs (x) | 3.7373% | 3,197 |
| Efficiency ratio | 85.5681% | 1,764 |
| Assets per employee ($millions) | 2.9129% | 6,328 |
| Cash dividends to net income (ytd only)* | 58.2651% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 5,349 |
| Loan loss allowance to noncurrent loans | 109.3508% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 5,425 |
| Noncurrent loans to loans | 1.1163% | 5,091 |
| Net loans and leases to total assets | 68.1536% | 3,326 |
| Net loans and leases to deposits | 83.2847% | 3,015 |
| Net loans and leases to core deposits | 85.3781% | 3,921 |
| Total domestic deposits to total assets | 81.8321% | 5,054 |
| Equity capital to assets | 8.5285% | 6,131 |
| Core capital (leverage) ratio | 8.0380% | 6,223 |
| Tier 1 risk-based capital ratio | 11.2477% | 6,001 |
| Total risk-based capital ratio | 12.4979% | 5,984 |
| Memoranda: | ||
| Average total assets | $268,472,670 | 2,434 |
| Average earning assets | $242,788,000 | 2,461 |
| Average equity | $22,411,000 | 2,874 |
| Average total loans | $186,682,000 | 2,347 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 6,093 |
| Cost of funding earning assets | 0.8326% | 6,988 |
| Net interest margin | 3.9124% | 3,274 |
| Noninterest income to average assets | 0.6728% | 2,793 |
| Noninterest expense to average assets | 3.7363% | 1,443 |
| Loan and lease loss provision to assets | 0.1489% | 5,062 |
| Net operating income to assets | 0.3855% | 4,903 |
| Return on assets (ROA) | 0.3855% | 5,039 |
| Pretax return on assets | 0.3409% | 5,491 |
| Return on Equity (ROE) | 4.6690% | 4,550 |
| Retained earnings to average equity (ytd only) | 1.4602% | 5,220 |
| Net charge-offs to loans | 0.2516% | 3,437 |
| Credit loss provision to net charge-offs | 84.7458% | 3,778 |
| Earnings coverage of net charge-offs (x) | 2.7881% | 3,152 |
| Efficiency ratio | 87.8126% | 1,605 |
| Assets per employee ($millions) | 2.8800% | 6,483 |
| Cash dividends to net income (ytd only)* | 68.7259% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 5,456 |
| Loan loss allowance to noncurrent loans | 99.4245% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 5,271 |
| Noncurrent loans to loans | 1.2161% | 4,934 |
| Net loans and leases to total assets | 70.0245% | 2,931 |
| Net loans and leases to deposits | 83.4412% | 3,033 |
| Net loans and leases to core deposits | 86.0359% | 3,888 |
| Total domestic deposits to total assets | 83.9208% | 4,178 |
| Equity capital to assets | 8.4903% | 6,012 |
| Core capital (leverage) ratio | 7.8843% | 6,397 |
| Tier 1 risk-based capital ratio | 11.1934% | 5,970 |
| Total risk-based capital ratio | 12.4440% | 5,923 |
| Memoranda: | ||
| Average total assets | $268,717,500 | 2,483 |
| Average earning assets | $244,046,500 | 2,501 |
| Average equity | $22,189,000 | 2,918 |
| Average total loans | $187,574,500 | 2,405 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2152% | 5,582 |
| Cost of funding earning assets | 1.1015% | 6,974 |
| Net interest margin | 4.1136% | 2,393 |
| Noninterest income to average assets | 0.8684% | 2,085 |
| Noninterest expense to average assets | 3.7864% | 1,727 |
| Loan and lease loss provision to assets | 0.2508% | 5,393 |
| Net operating income to assets | 0.5280% | 3,615 |
| Return on assets (ROA) | 0.5976% | 3,417 |
| Pretax return on assets | 0.6376% | 3,784 |
| Return on Equity (ROE) | 7.1909% | 2,714 |
| Retained earnings to average equity (ytd only) | 3.9374% | 2,447 |
| Net charge-offs to loans | 0.0605% | 6,491 |
| Credit loss provision to net charge-offs | 577.8761% | 522 |
| Earnings coverage of net charge-offs (x) | 18.7611% | 1,111 |
| Efficiency ratio | 81.7248% | 2,641 |
| Assets per employee ($millions) | 3.0939% | 6,002 |
| Cash dividends to net income (ytd only)* | 45.2442% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 5,396 |
| Loan loss allowance to noncurrent loans | 129.1500% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6366% | 5,868 |
| Noncurrent loans to loans | 0.9256% | 5,464 |
| Net loans and leases to total assets | 67.9555% | 3,708 |
| Net loans and leases to deposits | 82.7365% | 3,496 |
| Net loans and leases to core deposits | 94.1390% | 4,659 |
| Total domestic deposits to total assets | 82.1349% | 4,888 |
| Equity capital to assets | 8.0357% | 6,542 |
| Core capital (leverage) ratio | 7.8071% | 6,445 |
| Tier 1 risk-based capital ratio | 10.9225% | 5,989 |
| Total risk-based capital ratio | 12.1726% | 5,965 |
| Memoranda: | ||
| Average total assets | $260,355,400 | 2,512 |
| Average earning assets | $236,215,000 | 2,543 |
| Average equity | $21,638,400 | 2,994 |
| Average total loans | $186,674,000 | 2,441 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3130% | 5,359 |
| Cost of funding earning assets | 1.1629% | 6,991 |
| Net interest margin | 4.1501% | 2,214 |
| Noninterest income to average assets | 0.8776% | 2,071 |
| Noninterest expense to average assets | 3.7904% | 1,610 |
| Loan and lease loss provision to assets | 0.1533% | 5,823 |
| Net operating income to assets | 0.6340% | 3,481 |
| Return on assets (ROA) | 0.6349% | 3,545 |
| Pretax return on assets | 0.6973% | 3,866 |
| Return on Equity (ROE) | 7.5724% | 2,832 |
| Retained earnings to average equity (ytd only) | 4.3129% | 2,858 |
| Net charge-offs to loans | 0.0745% | 5,945 |
| Credit loss provision to net charge-offs | 283.6538% | 1,477 |
| Earnings coverage of net charge-offs (x) | 15.7215% | 1,519 |
| Efficiency ratio | 81.1086% | 2,698 |
| Assets per employee ($millions) | 2.9227% | 6,349 |
| Cash dividends to net income (ytd only)* | 43.0445% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 6,181 |
| Loan loss allowance to noncurrent loans | 126.6711% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 6,019 |
| Noncurrent loans to loans | 0.8024% | 5,696 |
| Net loans and leases to total assets | 70.8656% | 3,300 |
| Net loans and leases to deposits | 85.8017% | 3,354 |
| Net loans and leases to core deposits | 98.4140% | 4,563 |
| Total domestic deposits to total assets | 82.5924% | 4,404 |
| Equity capital to assets | 8.5227% | 6,226 |
| Core capital (leverage) ratio | 8.0304% | 6,306 |
| Tier 1 risk-based capital ratio | 10.9775% | 5,974 |
| Total risk-based capital ratio | 12.0592% | 6,110 |
| Memoranda: | ||
| Average total assets | $256,604,750 | 2,556 |
| Average earning assets | $232,633,000 | 2,590 |
| Average equity | $21,516,250 | 3,029 |
| Average total loans | $185,996,250 | 2,474 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3953% | 5,174 |
| Cost of funding earning assets | 1.2078% | 7,082 |
| Net interest margin | 4.1875% | 2,038 |
| Noninterest income to average assets | 0.8504% | 2,180 |
| Noninterest expense to average assets | 3.8356% | 1,598 |
| Loan and lease loss provision to assets | 0.1415% | 5,655 |
| Net operating income to assets | 0.6171% | 3,606 |
| Return on assets (ROA) | 0.6186% | 3,713 |
| Pretax return on assets | 0.6681% | 4,105 |
| Return on Equity (ROE) | 7.4190% | 3,022 |
| Retained earnings to average equity (ytd only) | 4.1385% | 2,988 |
| Net charge-offs to loans | 0.0626% | 5,621 |
| Credit loss provision to net charge-offs | 310.3448% | 1,500 |
| Earnings coverage of net charge-offs (x) | 17.7241% | 1,458 |
| Efficiency ratio | 82.0244% | 2,721 |
| Assets per employee ($millions) | 2.7910% | 6,651 |
| Cash dividends to net income (ytd only)* | 44.2186% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 6,284 |
| Loan loss allowance to noncurrent loans | 144.2188% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 6,180 |
| Noncurrent loans to loans | 0.6902% | 5,866 |
| Net loans and leases to total assets | 72.2908% | 3,139 |
| Net loans and leases to deposits | 87.9708% | 3,174 |
| Net loans and leases to core deposits | 101.4135% | 4,358 |
| Total domestic deposits to total assets | 82.1759% | 4,617 |
| Equity capital to assets | 8.5161% | 6,023 |
| Core capital (leverage) ratio | 8.0094% | 6,311 |
| Tier 1 risk-based capital ratio | 10.9918% | 5,880 |
| Total risk-based capital ratio | 12.0493% | 6,019 |
| Memoranda: | ||
| Average total assets | $254,459,670 | 2,585 |
| Average earning assets | $230,496,000 | 2,626 |
| Average equity | $21,215,670 | 3,071 |
| Average total loans | $185,222,000 | 2,512 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4192% | 5,322 |
| Cost of funding earning assets | 1.2101% | 7,279 |
| Net interest margin | 4.2092% | 1,864 |
| Noninterest income to average assets | 0.6989% | 2,895 |
| Noninterest expense to average assets | 3.8194% | 1,438 |
| Loan and lease loss provision to assets | 0.1413% | 5,136 |
| Net operating income to assets | 0.5402% | 4,256 |
| Return on assets (ROA) | 0.5402% | 4,442 |
| Pretax return on assets | 0.5512% | 4,912 |
| Return on Equity (ROE) | 6.5496% | 3,803 |
| Retained earnings to average equity (ytd only) | 3.1606% | 4,114 |
| Net charge-offs to loans | 0.0908% | 4,266 |
| Credit loss provision to net charge-offs | 214.2857% | 2,101 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,947 |
| Efficiency ratio | 84.0585% | 2,299 |
| Assets per employee ($millions) | 2.8432% | 6,544 |
| Cash dividends to net income (ytd only)* | 51.7442% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 6,469 |
| Loan loss allowance to noncurrent loans | 116.0445% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 5,687 |
| Noncurrent loans to loans | 0.8221% | 5,390 |
| Net loans and leases to total assets | 71.8954% | 3,259 |
| Net loans and leases to deposits | 87.3639% | 3,404 |
| Net loans and leases to core deposits | 99.7106% | 4,563 |
| Total domestic deposits to total assets | 82.2941% | 4,442 |
| Equity capital to assets | 8.3560% | 6,306 |
| Core capital (leverage) ratio | 8.0683% | 6,348 |
| Tier 1 risk-based capital ratio | 10.6138% | 6,279 |
| Total risk-based capital ratio | 11.6098% | 6,449 |
| Memoranda: | ||
| Average total assets | $254,701,000 | 2,594 |
| Average earning assets | $230,734,000 | 2,638 |
| Average equity | $21,009,000 | 3,118 |
| Average total loans | $185,109,000 | 2,531 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0242% | 5,432 |
| Cost of funding earning assets | 1.5987% | 7,456 |
| Net interest margin | 4.4255% | 1,611 |
| Noninterest income to average assets | 0.7392% | 2,850 |
| Noninterest expense to average assets | 3.8918% | 1,574 |
| Loan and lease loss provision to assets | 0.0711% | 6,508 |
| Net operating income to assets | 0.6902% | 3,937 |
| Return on assets (ROA) | 0.6902% | 3,770 |
| Pretax return on assets | 0.7596% | 4,213 |
| Return on Equity (ROE) | 8.2165% | 2,970 |
| Retained earnings to average equity (ytd only) | 4.6930% | 2,208 |
| Net charge-offs to loans | 0.0227% | 6,531 |
| Credit loss provision to net charge-offs | 435.8974% | 1,001 |
| Earnings coverage of net charge-offs (x) | 50.9487% | 751 |
| Efficiency ratio | 81.7989% | 2,326 |
| Assets per employee ($millions) | 2.7859% | 6,590 |
| Cash dividends to net income (ytd only)* | 42.8831% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 6,483 |
| Loan loss allowance to noncurrent loans | 194.3630% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 6,195 |
| Noncurrent loans to loans | 0.4808% | 5,905 |
| Net loans and leases to total assets | 72.0869% | 3,566 |
| Net loans and leases to deposits | 89.5110% | 3,533 |
| Net loans and leases to core deposits | 101.4624% | 4,670 |
| Total domestic deposits to total assets | 80.5341% | 4,828 |
| Equity capital to assets | 8.1400% | 6,642 |
| Core capital (leverage) ratio | 7.9541% | 6,566 |
| Tier 1 risk-based capital ratio | 10.4517% | 6,260 |
| Total risk-based capital ratio | 11.4162% | 6,415 |
| Memoranda: | ||
| Average total assets | $239,193,000 | 2,662 |
| Average earning assets | $215,298,200 | 2,706 |
| Average equity | $20,093,800 | 3,217 |
| Average total loans | $171,595,400 | 2,588 |