Home > Midstates Bank > Performance and Condition Ratios
Midstates Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5487% | 3,012 |
| Cost of funding earning assets | 1.3076% | 2,497 |
| Net interest margin | 3.2411% | 2,773 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.5315% | 2,211 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.8081% | 2,841 |
| Return on assets (ROA) | 0.7739% | 2,939 |
| Pretax return on assets | 0.8386% | 3,119 |
| Return on Equity (ROE) | 11.9800% | 1,962 |
| Retained earnings to average equity (ytd only) | 8.3647% | 1,438 |
| Net charge-offs to loans | -0.0939% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.0799% | 2,467 |
| Assets per employee ($millions) | 6.2743% | 2,574 |
| Cash dividends to net income (ytd only)* | 30.1872% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0984% | 323 |
| Loan loss allowance to noncurrent loans | 345.9742% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 1,454 |
| Noncurrent loans to loans | 0.6065% | 1,298 |
| Net loans and leases to total assets | 61.4500% | 2,720 |
| Net loans and leases to deposits | 73.6010% | 2,644 |
| Net loans and leases to core deposits | 80.8703% | 2,660 |
| Total domestic deposits to total assets | 83.4900% | 2,756 |
| Equity capital to assets | 7.2899% | 3,825 |
| Core capital (leverage) ratio | 9.6875% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6346% | 1,364 |
| Memoranda: | ||
| Average total assets | $642,110,000 | 1,389 |
| Average earning assets | $610,500,000 | 1,361 |
| Average equity | $41,471,800 | 1,833 |
| Average total loans | $394,959,400 | 1,485 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 3,153 |
| Cost of funding earning assets | 1.1649% | 2,545 |
| Net interest margin | 3.2094% | 2,896 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.5448% | 2,102 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7665% | 3,117 |
| Return on assets (ROA) | 0.7232% | 3,231 |
| Pretax return on assets | 0.7946% | 3,344 |
| Return on Equity (ROE) | 11.5800% | 2,230 |
| Retained earnings to average equity (ytd only) | 6.5718% | 2,439 |
| Net charge-offs to loans | -0.1145% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.9571% | 2,153 |
| Assets per employee ($millions) | 5.9253% | 2,817 |
| Cash dividends to net income (ytd only)* | 43.2401% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0532% | 360 |
| Loan loss allowance to noncurrent loans | 239.8233% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5509% | 1,060 |
| Noncurrent loans to loans | 0.8561% | 968 |
| Net loans and leases to total assets | 63.0300% | 2,555 |
| Net loans and leases to deposits | 73.5282% | 2,607 |
| Net loans and leases to core deposits | 80.0091% | 2,601 |
| Total domestic deposits to total assets | 85.7200% | 2,277 |
| Equity capital to assets | 5.7561% | 4,070 |
| Core capital (leverage) ratio | 9.5250% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6367% | 1,396 |
| Memoranda: | ||
| Average total assets | $639,507,000 | 1,392 |
| Average earning assets | $608,244,000 | 1,364 |
| Average equity | $39,947,750 | 1,870 |
| Average total loans | $391,309,750 | 1,489 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2290% | 3,234 |
| Cost of funding earning assets | 1.0268% | 2,513 |
| Net interest margin | 3.2022% | 2,992 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.5099% | 2,181 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.7817% | 3,138 |
| Return on assets (ROA) | 0.7209% | 3,295 |
| Pretax return on assets | 0.8092% | 3,381 |
| Return on Equity (ROE) | 11.2600% | 2,360 |
| Retained earnings to average equity (ytd only) | 6.4334% | 2,465 |
| Net charge-offs to loans | -0.1792% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.9484% | 2,244 |
| Assets per employee ($millions) | 6.0817% | 2,645 |
| Cash dividends to net income (ytd only)* | 42.8633% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0991% | 361 |
| Loan loss allowance to noncurrent loans | 227.9350% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5536% | 976 |
| Noncurrent loans to loans | 0.9209% | 835 |
| Net loans and leases to total assets | 58.8500% | 2,877 |
| Net loans and leases to deposits | 67.8053% | 2,927 |
| Net loans and leases to core deposits | 73.7874% | 2,907 |
| Total domestic deposits to total assets | 86.8000% | 1,988 |
| Equity capital to assets | 6.2850% | 4,070 |
| Core capital (leverage) ratio | 9.2381% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4524% | 1,438 |
| Memoranda: | ||
| Average total assets | $647,266,667 | 1,381 |
| Average earning assets | $615,140,000 | 1,352 |
| Average equity | $41,440,000 | 1,828 |
| Average total loans | $389,565,333 | 1,482 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 3,283 |
| Cost of funding earning assets | 0.8691% | 2,474 |
| Net interest margin | 3.2126% | 3,086 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.4960% | 2,257 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.7463% | 3,354 |
| Return on assets (ROA) | 0.7463% | 3,310 |
| Pretax return on assets | 0.7857% | 3,491 |
| Return on Equity (ROE) | 11.5500% | 2,337 |
| Retained earnings to average equity (ytd only) | 6.7778% | 2,558 |
| Net charge-offs to loans | 0.0041% | 1,836 |
| Credit loss provision to net charge-offs | 7,025.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 388.7500% | 284 |
| Efficiency ratio | 64.3699% | 2,408 |
| Assets per employee ($millions) | 6.2941% | 2,507 |
| Cash dividends to net income (ytd only)* | 41.3223% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1062% | 377 |
| Loan loss allowance to noncurrent loans | 185.0622% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7064% | 693 |
| Noncurrent loans to loans | 1.1381% | 620 |
| Net loans and leases to total assets | 57.0000% | 2,957 |
| Net loans and leases to deposits | 64.2064% | 3,067 |
| Net loans and leases to core deposits | 70.0470% | 2,952 |
| Total domestic deposits to total assets | 88.7800% | 1,623 |
| Equity capital to assets | 6.7681% | 3,931 |
| Core capital (leverage) ratio | 9.1338% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2264% | 1,563 |
| Memoranda: | ||
| Average total assets | $648,567,500 | 1,402 |
| Average earning assets | $615,333,000 | 1,370 |
| Average equity | $41,901,500 | 1,840 |
| Average total loans | $390,573,000 | 1,498 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5780% | 2,861 |
| Cost of funding earning assets | 0.3634% | 2,378 |
| Net interest margin | 3.2146% | 2,829 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.4716% | 2,205 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.9434% | 2,800 |
| Return on assets (ROA) | 0.8260% | 3,164 |
| Pretax return on assets | 0.8696% | 3,430 |
| Return on Equity (ROE) | 11.1500% | 2,423 |
| Retained earnings to average equity (ytd only) | 4.8826% | 3,100 |
| Net charge-offs to loans | -0.0086% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.5032% | 2,567 |
| Assets per employee ($millions) | 6.0051% | 2,760 |
| Cash dividends to net income (ytd only)* | 56.1903% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9379% | 484 |
| Loan loss allowance to noncurrent loans | 155.2995% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 607 |
| Noncurrent loans to loans | 1.2478% | 557 |
| Net loans and leases to total assets | 61.0400% | 2,549 |
| Net loans and leases to deposits | 67.8997% | 2,736 |
| Net loans and leases to core deposits | 73.8794% | 2,575 |
| Total domestic deposits to total assets | 89.9000% | 1,408 |
| Equity capital to assets | 6.1474% | 4,037 |
| Core capital (leverage) ratio | 8.9217% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3586% | 1,830 |
| Memoranda: | ||
| Average total assets | $646,395,200 | 1,387 |
| Average earning assets | $611,490,200 | 1,366 |
| Average equity | $47,904,400 | 1,676 |
| Average total loans | $373,214,600 | 1,482 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4161% | 2,871 |
| Cost of funding earning assets | 0.2518% | 2,680 |
| Net interest margin | 3.1644% | 2,732 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.4050% | 2,304 |
| Loan and lease loss provision to assets | -0.4100% | 4,725 |
| Net operating income to assets | 1.3087% | 1,324 |
| Return on assets (ROA) | 1.1526% | 1,857 |
| Pretax return on assets | 1.2133% | 2,318 |
| Return on Equity (ROE) | 14.9200% | 1,195 |
| Retained earnings to average equity (ytd only) | 10.1213% | 1,312 |
| Net charge-offs to loans | -0.7199% | 4,749 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.0556% | 2,680 |
| Assets per employee ($millions) | 6.3284% | 2,459 |
| Cash dividends to net income (ytd only)* | 32.1658% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9672% | 530 |
| Loan loss allowance to noncurrent loans | 119.0316% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.0241% | 434 |
| Noncurrent loans to loans | 1.6527% | 402 |
| Net loans and leases to total assets | 60.5600% | 2,441 |
| Net loans and leases to deposits | 68.6723% | 2,485 |
| Net loans and leases to core deposits | 71.9605% | 2,486 |
| Total domestic deposits to total assets | 88.1900% | 2,372 |
| Equity capital to assets | 6.2217% | 3,872 |
| Core capital (leverage) ratio | 9.0045% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8646% | 1,749 |
| Memoranda: | ||
| Average total assets | $647,356,750 | 1,385 |
| Average earning assets | $612,723,750 | 1,370 |
| Average equity | $50,005,500 | 1,648 |
| Average total loans | $366,524,000 | 1,493 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2348% | 2,941 |
| Cost of funding earning assets | 0.1903% | 3,044 |
| Net interest margin | 3.0445% | 2,740 |
| Noninterest income to average assets | 0.3618% | 2,977 |
| Noninterest expense to average assets | 2.3935% | 2,244 |
| Loan and lease loss provision to assets | -0.6208% | 4,756 |
| Net operating income to assets | 1.3990% | 910 |
| Return on assets (ROA) | 1.3124% | 1,085 |
| Pretax return on assets | 1.3817% | 1,490 |
| Return on Equity (ROE) | 15.9720% | 707 |
| Retained earnings to average equity (ytd only) | 11.4792% | 703 |
| Net charge-offs to loans | -1.1101% | 4,720 |
| Credit loss provision to net charge-offs | 101.8163% | 1,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0488% | 2,634 |
| Assets per employee ($millions) | 5.8017% | 2,917 |
| Cash dividends to net income (ytd only)* | 28.1294% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0259% | 518 |
| Loan loss allowance to noncurrent loans | 118.7395% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.0182% | 453 |
| Noncurrent loans to loans | 1.7062% | 409 |
| Net loans and leases to total assets | 58.2882% | 2,502 |
| Net loans and leases to deposits | 63.9489% | 2,727 |
| Net loans and leases to core deposits | 65.4069% | 2,866 |
| Total domestic deposits to total assets | 91.1481% | 1,165 |
| Equity capital to assets | 6.6938% | 3,940 |
| Core capital (leverage) ratio | 8.7738% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8314% | 1,755 |
| Memoranda: | ||
| Average total assets | $650,085,667 | 1,385 |
| Average earning assets | $615,734,667 | 1,373 |
| Average equity | $53,418,333 | 1,600 |
| Average total loans | $357,075,000 | 1,509 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0738% | 3,050 |
| Cost of funding earning assets | 0.1806% | 3,080 |
| Net interest margin | 2.8932% | 2,863 |
| Noninterest income to average assets | 0.3564% | 2,959 |
| Noninterest expense to average assets | 2.3193% | 2,425 |
| Loan and lease loss provision to assets | -1.2298% | 4,788 |
| Net operating income to assets | 1.9043% | 267 |
| Return on assets (ROA) | 1.9083% | 263 |
| Pretax return on assets | 2.0088% | 348 |
| Return on Equity (ROE) | 21.2791% | 187 |
| Retained earnings to average equity (ytd only) | 17.1817% | 170 |
| Net charge-offs to loans | -2.2485% | 4,756 |
| Credit loss provision to net charge-offs | 103.8263% | 989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7561% | 2,794 |
| Assets per employee ($millions) | 6.5593% | 2,334 |
| Cash dividends to net income (ytd only)* | 19.2555% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2408% | 412 |
| Loan loss allowance to noncurrent loans | 107.1141% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.1024% | 427 |
| Noncurrent loans to loans | 2.0920% | 337 |
| Net loans and leases to total assets | 51.3725% | 3,036 |
| Net loans and leases to deposits | 56.9977% | 3,173 |
| Net loans and leases to core deposits | 58.3250% | 3,284 |
| Total domestic deposits to total assets | 90.1309% | 1,489 |
| Equity capital to assets | 8.0635% | 3,521 |
| Core capital (leverage) ratio | 8.6998% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5023% | 1,645 |
| Memoranda: | ||
| Average total assets | $653,134,500 | 1,384 |
| Average earning assets | $617,998,500 | 1,376 |
| Average equity | $58,574,000 | 1,514 |
| Average total loans | $344,047,000 | 1,537 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8159% | 1,832 |
| Cost of funding earning assets | 0.2455% | 2,985 |
| Net interest margin | 3.5704% | 1,547 |
| Noninterest income to average assets | 0.4903% | 2,618 |
| Noninterest expense to average assets | 2.4535% | 2,329 |
| Loan and lease loss provision to assets | 0.2727% | 317 |
| Net operating income to assets | 1.0751% | 2,389 |
| Return on assets (ROA) | 1.1554% | 2,140 |
| Pretax return on assets | 1.2164% | 2,611 |
| Return on Equity (ROE) | 11.2393% | 2,084 |
| Retained earnings to average equity (ytd only) | 5.9685% | 2,376 |
| Net charge-offs to loans | 0.5907% | 139 |
| Credit loss provision to net charge-offs | 84.3273% | 1,926 |
| Earnings coverage of net charge-offs (x) | 4.3440% | 2,494 |
| Efficiency ratio | 55.7497% | 3,728 |
| Assets per employee ($millions) | 6.3139% | 2,474 |
| Cash dividends to net income (ytd only)* | 46.8966% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2708% | 404 |
| Loan loss allowance to noncurrent loans | 94.4068% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.2732% | 375 |
| Noncurrent loans to loans | 2.4054% | 285 |
| Net loans and leases to total assets | 51.6045% | 3,108 |
| Net loans and leases to deposits | 59.8021% | 3,095 |
| Net loans and leases to core deposits | 61.6341% | 3,198 |
| Total domestic deposits to total assets | 86.2921% | 2,803 |
| Equity capital to assets | 9.8806% | 2,771 |
| Core capital (leverage) ratio | 8.7305% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0066% | 1,837 |
| Memoranda: | ||
| Average total assets | $627,512,400 | 1,399 |
| Average earning assets | $591,887,400 | 1,391 |
| Average equity | $64,505,600 | 1,438 |
| Average total loans | $343,508,200 | 1,543 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 1,493 |
| Cost of funding earning assets | 0.2590% | 3,024 |
| Net interest margin | 3.7612% | 1,204 |
| Noninterest income to average assets | 0.4769% | 2,724 |
| Noninterest expense to average assets | 2.4940% | 2,136 |
| Loan and lease loss provision to assets | 0.3060% | 257 |
| Net operating income to assets | 1.1624% | 2,315 |
| Return on assets (ROA) | 1.2853% | 1,928 |
| Pretax return on assets | 1.3530% | 2,485 |
| Return on Equity (ROE) | 12.3774% | 1,908 |
| Retained earnings to average equity (ytd only) | 9.4864% | 1,496 |
| Net charge-offs to loans | 0.7883% | 92 |
| Credit loss provision to net charge-offs | 70.2610% | 1,757 |
| Earnings coverage of net charge-offs (x) | 3.5126% | 2,305 |
| Efficiency ratio | 54.3405% | 3,761 |
| Assets per employee ($millions) | 6.1379% | 2,557 |
| Cash dividends to net income (ytd only)* | 23.3567% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2796% | 406 |
| Loan loss allowance to noncurrent loans | 89.3010% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.3724% | 387 |
| Noncurrent loans to loans | 2.5527% | 286 |
| Net loans and leases to total assets | 51.9441% | 3,195 |
| Net loans and leases to deposits | 60.4255% | 3,197 |
| Net loans and leases to core deposits | 62.1662% | 3,299 |
| Total domestic deposits to total assets | 85.9638% | 2,759 |
| Equity capital to assets | 10.7897% | 2,174 |
| Core capital (leverage) ratio | 8.9318% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6835% | 1,730 |
| Memoranda: | ||
| Average total assets | $621,806,750 | 1,427 |
| Average earning assets | $586,357,750 | 1,418 |
| Average equity | $64,567,750 | 1,449 |
| Average total loans | $343,535,250 | 1,570 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9820% | 1,612 |
| Cost of funding earning assets | 0.2711% | 3,078 |
| Net interest margin | 3.7109% | 1,322 |
| Noninterest income to average assets | 0.5045% | 2,603 |
| Noninterest expense to average assets | 2.4099% | 2,429 |
| Loan and lease loss provision to assets | 0.3149% | 262 |
| Net operating income to assets | 1.2170% | 2,122 |
| Return on assets (ROA) | 1.3977% | 1,645 |
| Pretax return on assets | 1.4713% | 2,106 |
| Return on Equity (ROE) | 13.6376% | 1,525 |
| Retained earnings to average equity (ytd only) | 11.4431% | 1,026 |
| Net charge-offs to loans | 1.2091% | 56 |
| Credit loss provision to net charge-offs | 46.5558% | 1,619 |
| Earnings coverage of net charge-offs (x) | 2.3596% | 2,127 |
| Efficiency ratio | 52.4184% | 4,000 |
| Assets per employee ($millions) | 5.9690% | 2,648 |
| Cash dividends to net income (ytd only)* | 16.0920% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0681% | 534 |
| Loan loss allowance to noncurrent loans | 65.5693% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.7003% | 293 |
| Noncurrent loans to loans | 3.1541% | 221 |
| Net loans and leases to total assets | 52.3208% | 3,311 |
| Net loans and leases to deposits | 60.4782% | 3,351 |
| Net loans and leases to core deposits | 62.1044% | 3,451 |
| Total domestic deposits to total assets | 86.5118% | 2,547 |
| Equity capital to assets | 10.3699% | 2,519 |
| Core capital (leverage) ratio | 8.6513% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3128% | 1,862 |
| Memoranda: | ||
| Average total assets | $622,431,667 | 1,419 |
| Average earning assets | $587,290,667 | 1,409 |
| Average equity | $63,794,000 | 1,451 |
| Average total loans | $348,203,667 | 1,566 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5343% | 2,818 |
| Cost of funding earning assets | 0.2943% | 3,054 |
| Net interest margin | 3.2400% | 2,572 |
| Noninterest income to average assets | 0.4614% | 2,784 |
| Noninterest expense to average assets | 2.4203% | 2,433 |
| Loan and lease loss provision to assets | 0.4238% | 176 |
| Net operating income to assets | 0.6375% | 3,844 |
| Return on assets (ROA) | 0.9921% | 2,927 |
| Pretax return on assets | 1.0439% | 3,247 |
| Return on Equity (ROE) | 9.7384% | 2,776 |
| Retained earnings to average equity (ytd only) | 9.7384% | 1,731 |
| Net charge-offs to loans | 2.4286% | 28 |
| Credit loss provision to net charge-offs | 30.4895% | 1,385 |
| Earnings coverage of net charge-offs (x) | 0.7874% | 1,875 |
| Efficiency ratio | 59.8636% | 3,051 |
| Assets per employee ($millions) | 6.1503% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8911% | 749 |
| Loan loss allowance to noncurrent loans | 48.5846% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 2.2106% | 208 |
| Noncurrent loans to loans | 3.8924% | 144 |
| Net loans and leases to total assets | 55.3301% | 3,114 |
| Net loans and leases to deposits | 64.1630% | 3,107 |
| Net loans and leases to core deposits | 65.8558% | 3,255 |
| Total domestic deposits to total assets | 86.2337% | 2,654 |
| Equity capital to assets | 10.0956% | 2,619 |
| Core capital (leverage) ratio | 8.4394% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5918% | 2,046 |
| Memoranda: | ||
| Average total assets | $617,289,500 | 1,417 |
| Average earning assets | $581,731,000 | 1,405 |
| Average equity | $62,885,000 | 1,455 |
| Average total loans | $353,289,000 | 1,552 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 2,082 |
| Cost of funding earning assets | 0.7576% | 1,408 |
| Net interest margin | 3.4614% | 2,592 |
| Noninterest income to average assets | 0.4163% | 3,025 |
| Noninterest expense to average assets | 2.8392% | 1,838 |
| Loan and lease loss provision to assets | 0.5867% | 348 |
| Net operating income to assets | 0.2279% | 4,537 |
| Return on assets (ROA) | 0.3775% | 4,371 |
| Pretax return on assets | 0.3977% | 4,423 |
| Return on Equity (ROE) | 3.6793% | 4,229 |
| Retained earnings to average equity (ytd only) | -1.1114% | 4,647 |
| Net charge-offs to loans | 0.7496% | 194 |
| Credit loss provision to net charge-offs | 133.5198% | 2,528 |
| Earnings coverage of net charge-offs (x) | 1.8818% | 3,227 |
| Efficiency ratio | 68.5363% | 2,161 |
| Assets per employee ($millions) | 5.9553% | 2,377 |
| Cash dividends to net income (ytd only)* | 130.2083% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2782% | 365 |
| Loan loss allowance to noncurrent loans | 41.8804% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 3.1751% | 102 |
| Noncurrent loans to loans | 5.4397% | 66 |
| Net loans and leases to total assets | 56.7554% | 3,226 |
| Net loans and leases to deposits | 66.0181% | 3,269 |
| Net loans and leases to core deposits | 68.2076% | 3,401 |
| Total domestic deposits to total assets | 85.9696% | 2,378 |
| Equity capital to assets | 10.2802% | 2,850 |
| Core capital (leverage) ratio | 7.9161% | 4,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7059% | 2,361 |
| Memoranda: | ||
| Average total assets | $610,314,800 | 1,313 |
| Average earning assets | $573,007,600 | 1,304 |
| Average equity | $62,621,200 | 1,400 |
| Average total loans | $357,800,400 | 1,488 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 2,070 |
| Cost of funding earning assets | 0.8276% | 1,370 |
| Net interest margin | 3.4819% | 2,650 |
| Noninterest income to average assets | 0.3968% | 3,094 |
| Noninterest expense to average assets | 2.7088% | 2,233 |
| Loan and lease loss provision to assets | 0.1928% | 2,051 |
| Net operating income to assets | 0.7246% | 3,375 |
| Return on assets (ROA) | 0.8277% | 3,116 |
| Pretax return on assets | 0.8714% | 3,463 |
| Return on Equity (ROE) | 8.0708% | 2,785 |
| Retained earnings to average equity (ytd only) | 3.2718% | 3,407 |
| Net charge-offs to loans | 0.0212% | 2,432 |
| Credit loss provision to net charge-offs | 1,545.6140% | 601 |
| Earnings coverage of net charge-offs (x) | 76.6491% | 946 |
| Efficiency ratio | 64.9376% | 2,602 |
| Assets per employee ($millions) | 5.7779% | 2,473 |
| Cash dividends to net income (ytd only)* | 59.4609% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2092% | 349 |
| Loan loss allowance to noncurrent loans | 36.2044% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 3.6769% | 97 |
| Noncurrent loans to loans | 6.1021% | 70 |
| Net loans and leases to total assets | 58.6683% | 3,357 |
| Net loans and leases to deposits | 71.6050% | 3,170 |
| Net loans and leases to core deposits | 74.2204% | 3,306 |
| Total domestic deposits to total assets | 81.9332% | 3,439 |
| Equity capital to assets | 10.8347% | 2,529 |
| Core capital (leverage) ratio | 8.5561% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4332% | 2,023 |
| Memoranda: | ||
| Average total assets | $609,544,750 | 1,296 |
| Average earning assets | $572,056,250 | 1,295 |
| Average equity | $62,512,000 | 1,393 |
| Average total loans | $358,187,750 | 1,482 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 1,990 |
| Cost of funding earning assets | 0.9055% | 1,353 |
| Net interest margin | 3.5697% | 2,580 |
| Noninterest income to average assets | 0.3790% | 3,205 |
| Noninterest expense to average assets | 2.8226% | 2,041 |
| Loan and lease loss provision to assets | 0.1255% | 2,776 |
| Net operating income to assets | 0.7347% | 3,264 |
| Return on assets (ROA) | 0.8626% | 2,952 |
| Pretax return on assets | 0.9081% | 3,293 |
| Return on Equity (ROE) | 8.5711% | 2,536 |
| Retained earnings to average equity (ytd only) | 3.6882% | 3,069 |
| Net charge-offs to loans | 0.0281% | 2,154 |
| Credit loss provision to net charge-offs | 766.0000% | 939 |
| Earnings coverage of net charge-offs (x) | 54.8800% | 1,033 |
| Efficiency ratio | 66.8310% | 2,400 |
| Assets per employee ($millions) | 5.7712% | 2,396 |
| Cash dividends to net income (ytd only)* | 56.9692% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0628% | 396 |
| Loan loss allowance to noncurrent loans | 49.7136% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 2.4488% | 232 |
| Noncurrent loans to loans | 4.1493% | 156 |
| Net loans and leases to total assets | 57.5118% | 3,554 |
| Net loans and leases to deposits | 70.2140% | 3,398 |
| Net loans and leases to core deposits | 72.9691% | 3,520 |
| Total domestic deposits to total assets | 81.9094% | 3,395 |
| Equity capital to assets | 10.4374% | 2,801 |
| Core capital (leverage) ratio | 8.0315% | 4,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9507% | 2,200 |
| Memoranda: | ||
| Average total assets | $610,499,000 | 1,276 |
| Average earning assets | $571,646,000 | 1,262 |
| Average equity | $61,438,667 | 1,399 |
| Average total loans | $356,260,000 | 1,470 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6785% | 1,782 |
| Cost of funding earning assets | 1.0021% | 1,413 |
| Net interest margin | 3.6764% | 2,415 |
| Noninterest income to average assets | 0.3814% | 3,224 |
| Noninterest expense to average assets | 2.7518% | 2,574 |
| Loan and lease loss provision to assets | 0.1285% | 2,110 |
| Net operating income to assets | 0.8847% | 2,571 |
| Return on assets (ROA) | 1.1508% | 1,793 |
| Pretax return on assets | 1.2110% | 2,155 |
| Return on Equity (ROE) | 11.6585% | 1,209 |
| Retained earnings to average equity (ytd only) | 6.6275% | 1,674 |
| Net charge-offs to loans | -0.0046% | 3,838 |
| Credit loss provision to net charge-offs | -4,850.0000% | 3,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3079% | 3,326 |
| Assets per employee ($millions) | 5.7136% | 1,917 |
| Cash dividends to net income (ytd only)* | 43.1530% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1283% | 415 |
| Loan loss allowance to noncurrent loans | 114.3232% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 1,190 |
| Noncurrent loans to loans | 1.8616% | 794 |
| Net loans and leases to total assets | 56.8386% | 3,765 |
| Net loans and leases to deposits | 71.8096% | 3,445 |
| Net loans and leases to core deposits | 74.9633% | 3,572 |
| Total domestic deposits to total assets | 79.1518% | 4,017 |
| Equity capital to assets | 9.5408% | 4,175 |
| Core capital (leverage) ratio | 8.2874% | 4,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6234% | 2,432 |
| Memoranda: | ||
| Average total assets | $604,104,000 | 1,254 |
| Average earning assets | $563,601,000 | 1,247 |
| Average equity | $59,630,500 | 1,429 |
| Average total loans | $351,382,500 | 1,448 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 1,889 |
| Cost of funding earning assets | 1.1011% | 1,322 |
| Net interest margin | 3.7513% | 2,659 |
| Noninterest income to average assets | 0.4594% | 2,953 |
| Noninterest expense to average assets | 2.6898% | 2,915 |
| Loan and lease loss provision to assets | 0.2692% | 667 |
| Net operating income to assets | 0.9656% | 2,968 |
| Return on assets (ROA) | 1.0202% | 2,856 |
| Pretax return on assets | 1.0743% | 3,247 |
| Return on Equity (ROE) | 9.6688% | 2,448 |
| Retained earnings to average equity (ytd only) | 9.6688% | 555 |
| Net charge-offs to loans | 0.0235% | 2,933 |
| Credit loss provision to net charge-offs | 1,927.1429% | 201 |
| Earnings coverage of net charge-offs (x) | 92.0571% | 721 |
| Efficiency ratio | 61.4597% | 3,461 |
| Assets per employee ($millions) | 5.6849% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0366% | 437 |
| Loan loss allowance to noncurrent loans | 103.2475% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.1583% | 1,027 |
| Noncurrent loans to loans | 1.9726% | 655 |
| Net loans and leases to total assets | 57.0695% | 3,844 |
| Net loans and leases to deposits | 71.7696% | 3,536 |
| Net loans and leases to core deposits | 74.7024% | 3,665 |
| Total domestic deposits to total assets | 79.5177% | 4,072 |
| Equity capital to assets | 10.1964% | 3,735 |
| Core capital (leverage) ratio | 8.1434% | 4,995 |
| Tier 1 risk-based capital ratio | 11.7269% | 4,506 |
| Total risk-based capital ratio | 12.9839% | 4,385 |
| Memoranda: | ||
| Average total assets | $501,076,000 | 1,423 |
| Average earning assets | $469,705,400 | 1,417 |
| Average equity | $52,871,200 | 1,520 |
| Average total loans | $297,261,800 | 1,616 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8349% | 2,013 |
| Cost of funding earning assets | 1.1049% | 1,329 |
| Net interest margin | 3.7300% | 2,823 |
| Noninterest income to average assets | 0.4324% | 3,127 |
| Noninterest expense to average assets | 2.6642% | 2,969 |
| Loan and lease loss provision to assets | 0.2395% | 695 |
| Net operating income to assets | 0.9815% | 3,044 |
| Return on assets (ROA) | 1.0582% | 2,823 |
| Pretax return on assets | 1.1141% | 3,261 |
| Return on Equity (ROE) | 9.9213% | 2,466 |
| Retained earnings to average equity (ytd only) | 9.9213% | 767 |
| Net charge-offs to loans | 0.0292% | 2,504 |
| Credit loss provision to net charge-offs | 1,374.1935% | 271 |
| Earnings coverage of net charge-offs (x) | 73.0363% | 920 |
| Efficiency ratio | 62.5134% | 3,245 |
| Assets per employee ($millions) | 5.3745% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 511 |
| Loan loss allowance to noncurrent loans | 90.4909% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.3026% | 932 |
| Noncurrent loans to loans | 2.1524% | 610 |
| Net loans and leases to total assets | 58.8956% | 3,784 |
| Net loans and leases to deposits | 74.9199% | 3,394 |
| Net loans and leases to core deposits | 79.1981% | 3,450 |
| Total domestic deposits to total assets | 78.6115% | 4,242 |
| Equity capital to assets | 10.4967% | 3,541 |
| Core capital (leverage) ratio | 8.6031% | 4,886 |
| Tier 1 risk-based capital ratio | 11.9594% | 4,433 |
| Total risk-based capital ratio | 13.2160% | 4,319 |
| Memoranda: | ||
| Average total assets | $474,274,750 | 1,497 |
| Average earning assets | $445,639,500 | 1,474 |
| Average equity | $50,583,250 | 1,584 |
| Average total loans | $282,987,250 | 1,689 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7521% | 2,214 |
| Cost of funding earning assets | 1.1595% | 1,108 |
| Net interest margin | 3.5926% | 3,282 |
| Noninterest income to average assets | 0.4148% | 3,170 |
| Noninterest expense to average assets | 2.4149% | 3,703 |
| Loan and lease loss provision to assets | 0.1920% | 914 |
| Net operating income to assets | 1.1516% | 2,320 |
| Return on assets (ROA) | 1.1555% | 2,377 |
| Pretax return on assets | 1.2163% | 2,851 |
| Return on Equity (ROE) | 10.7601% | 2,070 |
| Retained earnings to average equity (ytd only) | 10.7601% | 586 |
| Net charge-offs to loans | 0.0153% | 2,593 |
| Credit loss provision to net charge-offs | 2,115.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 154.7000% | 483 |
| Efficiency ratio | 61.3072% | 3,539 |
| Assets per employee ($millions) | 5.4227% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9120% | 550 |
| Loan loss allowance to noncurrent loans | 75.5601% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.5579% | 704 |
| Noncurrent loans to loans | 2.5305% | 468 |
| Net loans and leases to total assets | 59.9883% | 3,731 |
| Net loans and leases to deposits | 76.1437% | 3,316 |
| Net loans and leases to core deposits | 80.6607% | 3,371 |
| Total domestic deposits to total assets | 78.7830% | 4,261 |
| Equity capital to assets | 10.3709% | 3,631 |
| Core capital (leverage) ratio | 8.6869% | 4,855 |
| Tier 1 risk-based capital ratio | 11.8625% | 4,494 |
| Total risk-based capital ratio | 13.1187% | 4,370 |
| Memoranda: | ||
| Average total assets | $440,674,670 | 1,593 |
| Average earning assets | $417,584,330 | 1,562 |
| Average equity | $47,323,000 | 1,672 |
| Average total loans | $262,175,670 | 1,778 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 2,926 |
| Cost of funding earning assets | 1.0872% | 1,229 |
| Net interest margin | 3.3957% | 3,898 |
| Noninterest income to average assets | 0.4371% | 2,931 |
| Noninterest expense to average assets | 2.1658% | 4,342 |
| Loan and lease loss provision to assets | 0.1385% | 1,249 |
| Net operating income to assets | 1.3127% | 1,653 |
| Return on assets (ROA) | 1.3214% | 1,665 |
| Pretax return on assets | 1.3912% | 2,113 |
| Return on Equity (ROE) | 12.0190% | 1,521 |
| Retained earnings to average equity (ytd only) | 12.0190% | 604 |
| Net charge-offs to loans | 0.0352% | 1,764 |
| Credit loss provision to net charge-offs | 675.0000% | 494 |
| Earnings coverage of net charge-offs (x) | 74.1000% | 813 |
| Efficiency ratio | 58.7531% | 3,986 |
| Assets per employee ($millions) | 5.3344% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6423% | 208 |
| Loan loss allowance to noncurrent loans | 63.4886% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 2.5321% | 306 |
| Noncurrent loans to loans | 4.1618% | 171 |
| Net loans and leases to total assets | 58.8868% | 3,798 |
| Net loans and leases to deposits | 80.7599% | 2,757 |
| Net loans and leases to core deposits | 86.3089% | 2,846 |
| Total domestic deposits to total assets | 72.9159% | 5,004 |
| Equity capital to assets | 11.6235% | 2,295 |
| Core capital (leverage) ratio | 10.9368% | 2,626 |
| Tier 1 risk-based capital ratio | 16.3202% | 2,330 |
| Total risk-based capital ratio | 17.5837% | 2,269 |
| Memoranda: | ||
| Average total assets | $389,877,500 | 1,810 |
| Average earning assets | $373,057,500 | 1,759 |
| Average equity | $42,865,500 | 1,824 |
| Average total loans | $227,444,000 | 2,009 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4353% | 2,648 |
| Cost of funding earning assets | 1.0204% | 699 |
| Net interest margin | 3.4148% | 3,960 |
| Noninterest income to average assets | 0.4850% | 2,912 |
| Noninterest expense to average assets | 2.1141% | 4,526 |
| Loan and lease loss provision to assets | 0.2404% | 730 |
| Net operating income to assets | 1.3170% | 1,734 |
| Return on assets (ROA) | 1.2910% | 1,833 |
| Pretax return on assets | 1.3592% | 2,277 |
| Return on Equity (ROE) | 11.9655% | 1,726 |
| Retained earnings to average equity (ytd only) | 0.4648% | 4,858 |
| Net charge-offs to loans | 0.2257% | 864 |
| Credit loss provision to net charge-offs | 182.3529% | 1,554 |
| Earnings coverage of net charge-offs (x) | 12.3412% | 2,538 |
| Efficiency ratio | 56.5091% | 4,345 |
| Assets per employee ($millions) | 5.7288% | 1,738 |
| Cash dividends to net income (ytd only)* | 96.1153% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6297% | 199 |
| Loan loss allowance to noncurrent loans | 105.3771% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.4192% | 844 |
| Noncurrent loans to loans | 2.4955% | 486 |
| Net loans and leases to total assets | 54.8281% | 4,220 |
| Net loans and leases to deposits | 73.0781% | 3,580 |
| Net loans and leases to core deposits | 81.3660% | 3,319 |
| Total domestic deposits to total assets | 75.0267% | 4,866 |
| Equity capital to assets | 10.4007% | 3,286 |
| Core capital (leverage) ratio | 10.3479% | 3,206 |
| Tier 1 risk-based capital ratio | 15.6486% | 2,557 |
| Total risk-based capital ratio | 16.9115% | 2,475 |
| Memoranda: | ||
| Average total assets | $386,833,400 | 1,770 |
| Average earning assets | $368,862,000 | 1,728 |
| Average equity | $41,736,800 | 1,791 |
| Average total loans | $225,976,200 | 1,982 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4053% | 2,612 |
| Cost of funding earning assets | 0.9936% | 615 |
| Net interest margin | 3.4117% | 3,969 |
| Noninterest income to average assets | 0.5061% | 2,830 |
| Noninterest expense to average assets | 2.1052% | 4,539 |
| Loan and lease loss provision to assets | 0.2616% | 586 |
| Net operating income to assets | 1.3231% | 1,767 |
| Return on assets (ROA) | 1.2881% | 1,902 |
| Pretax return on assets | 1.3559% | 2,403 |
| Return on Equity (ROE) | 11.8274% | 1,861 |
| Retained earnings to average equity (ytd only) | 1.2872% | 4,784 |
| Net charge-offs to loans | 0.3675% | 443 |
| Credit loss provision to net charge-offs | 120.7063% | 1,981 |
| Earnings coverage of net charge-offs (x) | 7.6340% | 2,787 |
| Efficiency ratio | 55.9956% | 4,391 |
| Assets per employee ($millions) | 5.6808% | 1,749 |
| Cash dividends to net income (ytd only)* | 89.1169% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4834% | 249 |
| Loan loss allowance to noncurrent loans | 94.4472% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.5709% | 805 |
| Noncurrent loans to loans | 2.6294% | 476 |
| Net loans and leases to total assets | 58.2596% | 4,011 |
| Net loans and leases to deposits | 81.2960% | 2,894 |
| Net loans and leases to core deposits | 91.5813% | 2,521 |
| Total domestic deposits to total assets | 71.6635% | 5,152 |
| Equity capital to assets | 10.8155% | 2,832 |
| Core capital (leverage) ratio | 10.9199% | 2,660 |
| Tier 1 risk-based capital ratio | 15.8399% | 2,510 |
| Total risk-based capital ratio | 17.1016% | 2,440 |
| Memoranda: | ||
| Average total assets | $383,288,500 | 1,789 |
| Average earning assets | $365,518,500 | 1,747 |
| Average equity | $41,744,000 | 1,801 |
| Average total loans | $226,018,750 | 1,986 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 2,887 |
| Cost of funding earning assets | 0.9646% | 549 |
| Net interest margin | 3.3017% | 4,243 |
| Noninterest income to average assets | 0.5180% | 2,761 |
| Noninterest expense to average assets | 2.1157% | 4,566 |
| Loan and lease loss provision to assets | 0.2926% | 472 |
| Net operating income to assets | 1.1953% | 2,222 |
| Return on assets (ROA) | 1.1953% | 2,220 |
| Pretax return on assets | 1.2583% | 2,687 |
| Return on Equity (ROE) | 10.9498% | 2,134 |
| Retained earnings to average equity (ytd only) | 3.7962% | 3,701 |
| Net charge-offs to loans | 0.5542% | 265 |
| Credit loss provision to net charge-offs | 89.9200% | 2,158 |
| Earnings coverage of net charge-offs (x) | 4.7664% | 2,770 |
| Efficiency ratio | 57.7027% | 4,284 |
| Assets per employee ($millions) | 5.5541% | 1,839 |
| Cash dividends to net income (ytd only)* | 65.3310% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5241% | 238 |
| Loan loss allowance to noncurrent loans | 62.1440% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 2.2578% | 416 |
| Noncurrent loans to loans | 4.0616% | 214 |
| Net loans and leases to total assets | 54.1851% | 4,326 |
| Net loans and leases to deposits | 73.0492% | 3,624 |
| Net loans and leases to core deposits | 79.9870% | 3,422 |
| Total domestic deposits to total assets | 74.1762% | 5,028 |
| Equity capital to assets | 10.8416% | 2,790 |
| Core capital (leverage) ratio | 10.7617% | 2,742 |
| Tier 1 risk-based capital ratio | 16.4143% | 2,285 |
| Total risk-based capital ratio | 17.6757% | 2,227 |
| Memoranda: | ||
| Average total assets | $384,180,670 | 1,799 |
| Average earning assets | $366,361,330 | 1,746 |
| Average equity | $41,937,000 | 1,794 |
| Average total loans | $225,561,670 | 1,985 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2526% | 2,701 |
| Cost of funding earning assets | 0.9445% | 479 |
| Net interest margin | 3.3081% | 4,168 |
| Noninterest income to average assets | 0.5195% | 2,685 |
| Noninterest expense to average assets | 2.1054% | 4,648 |
| Loan and lease loss provision to assets | 0.4064% | 276 |
| Net operating income to assets | 1.0977% | 2,429 |
| Return on assets (ROA) | 1.0977% | 2,440 |
| Pretax return on assets | 1.1553% | 2,954 |
| Return on Equity (ROE) | 10.0215% | 2,410 |
| Retained earnings to average equity (ytd only) | 1.4153% | 4,515 |
| Net charge-offs to loans | 1.0144% | 141 |
| Credit loss provision to net charge-offs | 66.4384% | 1,860 |
| Earnings coverage of net charge-offs (x) | 2.5531% | 2,451 |
| Efficiency ratio | 57.4122% | 4,420 |
| Assets per employee ($millions) | 5.6884% | 1,774 |
| Cash dividends to net income (ytd only)* | 85.8779% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3183% | 316 |
| Loan loss allowance to noncurrent loans | 56.1629% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 2.4863% | 377 |
| Noncurrent loans to loans | 4.1277% | 237 |
| Net loans and leases to total assets | 58.8382% | 3,870 |
| Net loans and leases to deposits | 79.6323% | 2,852 |
| Net loans and leases to core deposits | 87.2424% | 2,699 |
| Total domestic deposits to total assets | 73.8873% | 5,169 |
| Equity capital to assets | 10.8962% | 2,686 |
| Core capital (leverage) ratio | 10.7732% | 2,660 |
| Tier 1 risk-based capital ratio | 15.7009% | 2,592 |
| Total risk-based capital ratio | 16.9607% | 2,536 |
| Memoranda: | ||
| Average total assets | $381,877,000 | 1,814 |
| Average earning assets | $363,356,000 | 1,775 |
| Average equity | $41,830,000 | 1,801 |
| Average total loans | $230,282,500 | 1,965 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 2,628 |
| Cost of funding earning assets | 0.8607% | 459 |
| Net interest margin | 3.3544% | 3,996 |
| Noninterest income to average assets | 0.5368% | 2,787 |
| Noninterest expense to average assets | 2.0730% | 4,828 |
| Loan and lease loss provision to assets | 0.3642% | 421 |
| Net operating income to assets | 1.2305% | 1,425 |
| Return on assets (ROA) | 1.2177% | 1,486 |
| Pretax return on assets | 1.2819% | 2,424 |
| Return on Equity (ROE) | 11.1305% | 1,423 |
| Retained earnings to average equity (ytd only) | 1.8454% | 4,214 |
| Net charge-offs to loans | 0.9533% | 196 |
| Credit loss provision to net charge-offs | 63.5920% | 3,178 |
| Earnings coverage of net charge-offs (x) | 2.8980% | 3,678 |
| Efficiency ratio | 55.5382% | 4,809 |
| Assets per employee ($millions) | 5.6342% | 1,809 |
| Cash dividends to net income (ytd only)* | 83.4202% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4619% | 257 |
| Loan loss allowance to noncurrent loans | 49.6508% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 2.9896% | 270 |
| Noncurrent loans to loans | 4.9585% | 140 |
| Net loans and leases to total assets | 58.8078% | 3,940 |
| Net loans and leases to deposits | 82.8964% | 2,619 |
| Net loans and leases to core deposits | 88.6879% | 2,670 |
| Total domestic deposits to total assets | 70.9413% | 5,368 |
| Equity capital to assets | 11.1206% | 2,518 |
| Core capital (leverage) ratio | 10.9671% | 2,370 |
| Tier 1 risk-based capital ratio | 15.4752% | 2,636 |
| Total risk-based capital ratio | 16.7363% | 2,568 |
| Memoranda: | ||
| Average total assets | $393,782,000 | 1,728 |
| Average earning assets | $375,150,600 | 1,684 |
| Average equity | $43,079,800 | 1,726 |
| Average total loans | $236,547,000 | 1,899 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1951% | 2,634 |
| Cost of funding earning assets | 0.8476% | 459 |
| Net interest margin | 3.3475% | 4,024 |
| Noninterest income to average assets | 0.5462% | 2,746 |
| Noninterest expense to average assets | 2.0825% | 4,770 |
| Loan and lease loss provision to assets | 0.1947% | 983 |
| Net operating income to assets | 1.3877% | 1,118 |
| Return on assets (ROA) | 1.3708% | 1,170 |
| Pretax return on assets | 1.4428% | 1,966 |
| Return on Equity (ROE) | 12.5804% | 1,154 |
| Retained earnings to average equity (ytd only) | 0.2346% | 5,167 |
| Net charge-offs to loans | 1.2614% | 132 |
| Credit loss provision to net charge-offs | 25.7219% | 3,110 |
| Earnings coverage of net charge-offs (x) | 2.1866% | 3,497 |
| Efficiency ratio | 55.7135% | 4,777 |
| Assets per employee ($millions) | 5.6500% | 1,780 |
| Cash dividends to net income (ytd only)* | 98.1354% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0769% | 493 |
| Loan loss allowance to noncurrent loans | 38.0967% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 3.3533% | 247 |
| Noncurrent loans to loans | 5.4517% | 131 |
| Net loans and leases to total assets | 60.2323% | 3,833 |
| Net loans and leases to deposits | 84.6111% | 2,480 |
| Net loans and leases to core deposits | 90.9290% | 2,535 |
| Total domestic deposits to total assets | 71.1872% | 5,433 |
| Equity capital to assets | 11.4724% | 2,407 |
| Core capital (leverage) ratio | 10.7931% | 2,649 |
| Tier 1 risk-based capital ratio | 15.1893% | 2,843 |
| Total risk-based capital ratio | 16.4462% | 2,768 |
| Memoranda: | ||
| Average total assets | $396,445,500 | 1,729 |
| Average earning assets | $377,986,250 | 1,690 |
| Average equity | $43,198,250 | 1,734 |
| Average total loans | $237,934,750 | 1,901 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 2,738 |
| Cost of funding earning assets | 0.8289% | 451 |
| Net interest margin | 3.2983% | 4,110 |
| Noninterest income to average assets | 0.5417% | 2,760 |
| Noninterest expense to average assets | 2.0760% | 4,817 |
| Loan and lease loss provision to assets | 0.0701% | 2,574 |
| Net operating income to assets | 1.4707% | 914 |
| Return on assets (ROA) | 1.4900% | 907 |
| Pretax return on assets | 1.5685% | 1,435 |
| Return on Equity (ROE) | 13.9050% | 826 |
| Retained earnings to average equity (ytd only) | 4.6288% | 2,957 |
| Net charge-offs to loans | 0.7887% | 252 |
| Credit loss provision to net charge-offs | 14.9206% | 2,820 |
| Earnings coverage of net charge-offs (x) | 3.4455% | 3,048 |
| Efficiency ratio | 56.1953% | 4,806 |
| Assets per employee ($millions) | 5.4426% | 1,925 |
| Cash dividends to net income (ytd only)* | 66.7111% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4301% | 306 |
| Loan loss allowance to noncurrent loans | 51.7417% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 2.8528% | 336 |
| Noncurrent loans to loans | 4.6967% | 173 |
| Net loans and leases to total assets | 59.2649% | 3,904 |
| Net loans and leases to deposits | 79.8399% | 2,928 |
| Net loans and leases to core deposits | 84.6934% | 2,991 |
| Total domestic deposits to total assets | 74.2296% | 5,271 |
| Equity capital to assets | 11.5227% | 2,304 |
| Core capital (leverage) ratio | 10.4142% | 3,011 |
| Tier 1 risk-based capital ratio | 15.2804% | 2,812 |
| Total risk-based capital ratio | 16.5411% | 2,737 |
| Memoranda: | ||
| Average total assets | $402,410,330 | 1,709 |
| Average earning assets | $384,621,000 | 1,661 |
| Average equity | $43,121,330 | 1,737 |
| Average total loans | $239,631,000 | 1,888 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0170% | 2,970 |
| Cost of funding earning assets | 0.8022% | 479 |
| Net interest margin | 3.2149% | 4,292 |
| Noninterest income to average assets | 0.4883% | 3,053 |
| Noninterest expense to average assets | 2.0234% | 4,996 |
| Loan and lease loss provision to assets | 0.0049% | 3,495 |
| Net operating income to assets | 1.4503% | 897 |
| Return on assets (ROA) | 1.4503% | 919 |
| Pretax return on assets | 1.5263% | 1,453 |
| Return on Equity (ROE) | 14.0316% | 805 |
| Retained earnings to average equity (ytd only) | 4.6018% | 3,122 |
| Net charge-offs to loans | 0.3139% | 590 |
| Credit loss provision to net charge-offs | 2.6316% | 2,267 |
| Earnings coverage of net charge-offs (x) | 8.2684% | 2,072 |
| Efficiency ratio | 56.9235% | 4,844 |
| Assets per employee ($millions) | 5.8007% | 1,658 |
| Cash dividends to net income (ytd only)* | 67.2043% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6206% | 273 |
| Loan loss allowance to noncurrent loans | 58.9777% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 2.6116% | 429 |
| Noncurrent loans to loans | 4.4433% | 211 |
| Net loans and leases to total assets | 57.0492% | 4,056 |
| Net loans and leases to deposits | 76.3392% | 3,159 |
| Net loans and leases to core deposits | 81.3632% | 3,149 |
| Total domestic deposits to total assets | 74.7313% | 5,360 |
| Equity capital to assets | 10.4445% | 3,241 |
| Core capital (leverage) ratio | 10.1451% | 3,317 |
| Tier 1 risk-based capital ratio | 13.9706% | 3,500 |
| Total risk-based capital ratio | 15.2318% | 3,403 |
| Memoranda: | ||
| Average total assets | $410,401,500 | 1,691 |
| Average earning assets | $391,432,000 | 1,651 |
| Average equity | $42,418,500 | 1,760 |
| Average total loans | $242,086,500 | 1,880 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1408% | 2,690 |
| Cost of funding earning assets | 0.8231% | 448 |
| Net interest margin | 3.3177% | 4,092 |
| Noninterest income to average assets | 0.5564% | 2,878 |
| Noninterest expense to average assets | 2.1180% | 4,968 |
| Loan and lease loss provision to assets | -0.0343% | 5,545 |
| Net operating income to assets | 1.5572% | 751 |
| Return on assets (ROA) | 1.5906% | 721 |
| Pretax return on assets | 1.6743% | 1,066 |
| Return on Equity (ROE) | 14.4344% | 709 |
| Retained earnings to average equity (ytd only) | 1.8389% | 4,482 |
| Net charge-offs to loans | 0.5939% | 388 |
| Credit loss provision to net charge-offs | -9.2960% | 4,742 |
| Earnings coverage of net charge-offs (x) | 4.3472% | 3,509 |
| Efficiency ratio | 56.8901% | 4,963 |
| Assets per employee ($millions) | 5.7599% | 1,655 |
| Cash dividends to net income (ytd only)* | 87.2600% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6794% | 256 |
| Loan loss allowance to noncurrent loans | 97.0909% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.6476% | 952 |
| Noncurrent loans to loans | 2.7597% | 535 |
| Net loans and leases to total assets | 57.8024% | 4,085 |
| Net loans and leases to deposits | 75.7614% | 3,343 |
| Net loans and leases to core deposits | 80.4005% | 3,361 |
| Total domestic deposits to total assets | 76.2954% | 5,215 |
| Equity capital to assets | 10.2264% | 3,467 |
| Core capital (leverage) ratio | 10.1050% | 3,356 |
| Tier 1 risk-based capital ratio | 13.7948% | 3,585 |
| Total risk-based capital ratio | 15.0568% | 3,485 |
| Memoranda: | ||
| Average total assets | $396,275,800 | 1,703 |
| Average earning assets | $378,215,400 | 1,646 |
| Average equity | $43,666,600 | 1,697 |
| Average total loans | $246,354,400 | 1,811 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 2,537 |
| Cost of funding earning assets | 0.8228% | 443 |
| Net interest margin | 3.3715% | 3,952 |
| Noninterest income to average assets | 0.5491% | 2,922 |
| Noninterest expense to average assets | 2.0845% | 5,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5988% | 733 |
| Return on assets (ROA) | 1.6436% | 703 |
| Pretax return on assets | 1.7304% | 1,034 |
| Return on Equity (ROE) | 14.6419% | 713 |
| Retained earnings to average equity (ytd only) | 2.5561% | 4,383 |
| Net charge-offs to loans | 0.3500% | 649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.6472% | 2,857 |
| Efficiency ratio | 55.3245% | 5,123 |
| Assets per employee ($millions) | 5.5522% | 1,804 |
| Cash dividends to net income (ytd only)* | 82.5423% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9981% | 187 |
| Loan loss allowance to noncurrent loans | 93.8467% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 2.0537% | 755 |
| Noncurrent loans to loans | 3.1947% | 448 |
| Net loans and leases to total assets | 62.0856% | 3,631 |
| Net loans and leases to deposits | 84.6797% | 2,404 |
| Net loans and leases to core deposits | 91.4459% | 2,442 |
| Total domestic deposits to total assets | 73.3181% | 5,492 |
| Equity capital to assets | 11.3872% | 2,615 |
| Core capital (leverage) ratio | 10.5157% | 2,979 |
| Tier 1 risk-based capital ratio | 13.8475% | 3,639 |
| Total risk-based capital ratio | 15.1130% | 3,555 |
| Memoranda: | ||
| Average total assets | $393,107,250 | 1,714 |
| Average earning assets | $375,297,500 | 1,658 |
| Average equity | $44,128,000 | 1,695 |
| Average total loans | $247,220,250 | 1,813 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 2,605 |
| Cost of funding earning assets | 0.8161% | 449 |
| Net interest margin | 3.3532% | 4,048 |
| Noninterest income to average assets | 0.5580% | 2,860 |
| Noninterest expense to average assets | 2.0700% | 5,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6042% | 717 |
| Return on assets (ROA) | 1.6042% | 763 |
| Pretax return on assets | 1.6888% | 1,124 |
| Return on Equity (ROE) | 14.3586% | 777 |
| Retained earnings to average equity (ytd only) | 4.8316% | 2,847 |
| Net charge-offs to loans | 0.5221% | 405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.1739% | 2,889 |
| Efficiency ratio | 55.0701% | 5,236 |
| Assets per employee ($millions) | 5.4620% | 1,830 |
| Cash dividends to net income (ytd only)* | 66.3507% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0377% | 187 |
| Loan loss allowance to noncurrent loans | 476.2604% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 3,621 |
| Noncurrent loans to loans | 0.6378% | 3,163 |
| Net loans and leases to total assets | 59.7440% | 3,916 |
| Net loans and leases to deposits | 79.7357% | 2,963 |
| Net loans and leases to core deposits | 82.9229% | 3,179 |
| Total domestic deposits to total assets | 74.9275% | 5,420 |
| Equity capital to assets | 11.2826% | 2,762 |
| Core capital (leverage) ratio | 10.2145% | 3,317 |
| Tier 1 risk-based capital ratio | 13.9048% | 3,656 |
| Total risk-based capital ratio | 15.1704% | 3,568 |
| Memoranda: | ||
| Average total assets | $394,590,670 | 1,709 |
| Average earning assets | $376,659,330 | 1,658 |
| Average equity | $44,085,000 | 1,698 |
| Average total loans | $246,707,670 | 1,813 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1998% | 2,474 |
| Cost of funding earning assets | 0.8126% | 460 |
| Net interest margin | 3.3873% | 3,915 |
| Noninterest income to average assets | 0.5452% | 2,837 |
| Noninterest expense to average assets | 2.0208% | 5,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6611% | 624 |
| Return on assets (ROA) | 1.6611% | 662 |
| Pretax return on assets | 1.7487% | 947 |
| Return on Equity (ROE) | 14.9425% | 676 |
| Retained earnings to average equity (ytd only) | 4.8586% | 3,029 |
| Net charge-offs to loans | 0.4077% | 553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.8095% | 2,206 |
| Efficiency ratio | 53.6091% | 5,416 |
| Assets per employee ($millions) | 5.3072% | 2,025 |
| Cash dividends to net income (ytd only)* | 67.4847% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2407% | 177 |
| Loan loss allowance to noncurrent loans | 537.6454% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 3,456 |
| Noncurrent loans to loans | 0.6028% | 3,371 |
| Net loans and leases to total assets | 60.5364% | 3,708 |
| Net loans and leases to deposits | 81.2834% | 2,636 |
| Net loans and leases to core deposits | 87.1079% | 2,647 |
| Total domestic deposits to total assets | 74.4757% | 5,568 |
| Equity capital to assets | 11.3708% | 2,556 |
| Core capital (leverage) ratio | 10.3697% | 3,106 |
| Tier 1 risk-based capital ratio | 14.0969% | 3,621 |
| Total risk-based capital ratio | 15.3650% | 3,540 |
| Memoranda: | ||
| Average total assets | $392,522,000 | 1,721 |
| Average earning assets | $373,636,000 | 1,666 |
| Average equity | $43,634,000 | 1,709 |
| Average total loans | $247,222,000 | 1,819 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1642% | 2,691 |
| Cost of funding earning assets | 0.8036% | 480 |
| Net interest margin | 3.3606% | 4,075 |
| Noninterest income to average assets | 0.7474% | 1,998 |
| Noninterest expense to average assets | 2.1013% | 5,256 |
| Loan and lease loss provision to assets | 0.1537% | 1,526 |
| Net operating income to assets | 1.6102% | 690 |
| Return on assets (ROA) | 1.6102% | 714 |
| Pretax return on assets | 1.6952% | 1,003 |
| Return on Equity (ROE) | 14.6840% | 737 |
| Retained earnings to average equity (ytd only) | 2.5330% | 4,263 |
| Net charge-offs to loans | -0.0642% | 5,635 |
| Credit loss provision to net charge-offs | -382.1656% | 5,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1945% | 5,573 |
| Assets per employee ($millions) | 5.5225% | 1,780 |
| Cash dividends to net income (ytd only)* | 82.7498% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2163% | 173 |
| Loan loss allowance to noncurrent loans | 767.7083% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 4,511 |
| Noncurrent loans to loans | 0.4190% | 3,950 |
| Net loans and leases to total assets | 61.3524% | 3,642 |
| Net loans and leases to deposits | 81.5357% | 2,650 |
| Net loans and leases to core deposits | 87.0429% | 2,694 |
| Total domestic deposits to total assets | 75.2460% | 5,530 |
| Equity capital to assets | 10.8684% | 2,970 |
| Core capital (leverage) ratio | 9.9523% | 3,575 |
| Tier 1 risk-based capital ratio | 13.4412% | 4,034 |
| Total risk-based capital ratio | 14.7093% | 3,964 |
| Memoranda: | ||
| Average total assets | $390,274,000 | 1,682 |
| Average earning assets | $371,952,800 | 1,632 |
| Average equity | $42,795,000 | 1,708 |
| Average total loans | $244,620,600 | 1,763 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1606% | 2,717 |
| Cost of funding earning assets | 0.8034% | 484 |
| Net interest margin | 3.3572% | 4,118 |
| Noninterest income to average assets | 0.7294% | 2,111 |
| Noninterest expense to average assets | 2.0790% | 5,321 |
| Loan and lease loss provision to assets | 0.1545% | 1,407 |
| Net operating income to assets | 1.6136% | 748 |
| Return on assets (ROA) | 1.6136% | 776 |
| Pretax return on assets | 1.6987% | 1,110 |
| Return on Equity (ROE) | 14.6822% | 774 |
| Retained earnings to average equity (ytd only) | 2.1894% | 4,791 |
| Net charge-offs to loans | -0.1153% | 5,836 |
| Credit loss provision to net charge-offs | -214.2857% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8719% | 5,590 |
| Assets per employee ($millions) | 5.3054% | 1,949 |
| Cash dividends to net income (ytd only)* | 85.0883% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2936% | 180 |
| Loan loss allowance to noncurrent loans | 66,750.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 5,758 |
| Noncurrent loans to loans | 0.0049% | 5,637 |
| Net loans and leases to total assets | 60.7257% | 3,772 |
| Net loans and leases to deposits | 85.6287% | 2,186 |
| Net loans and leases to core deposits | 90.4412% | 2,421 |
| Total domestic deposits to total assets | 70.9174% | 5,927 |
| Equity capital to assets | 11.0033% | 3,025 |
| Core capital (leverage) ratio | 10.1570% | 3,429 |
| Tier 1 risk-based capital ratio | 13.6457% | 4,054 |
| Total risk-based capital ratio | 14.9142% | 3,972 |
| Memoranda: | ||
| Average total assets | $388,437,250 | 1,705 |
| Average earning assets | $370,576,500 | 1,650 |
| Average equity | $42,690,000 | 1,726 |
| Average total loans | $242,761,500 | 1,783 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 2,784 |
| Cost of funding earning assets | 0.8082% | 475 |
| Net interest margin | 3.3236% | 4,199 |
| Noninterest income to average assets | 0.6790% | 2,303 |
| Noninterest expense to average assets | 2.0169% | 5,497 |
| Loan and lease loss provision to assets | 0.1543% | 1,380 |
| Net operating income to assets | 1.5946% | 750 |
| Return on assets (ROA) | 1.5946% | 778 |
| Pretax return on assets | 1.6784% | 1,127 |
| Return on Equity (ROE) | 14.5148% | 817 |
| Retained earnings to average equity (ytd only) | 5.6186% | 2,453 |
| Net charge-offs to loans | -0.1682% | 5,969 |
| Credit loss provision to net charge-offs | -147.0588% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3918% | 5,680 |
| Assets per employee ($millions) | 5.0206% | 2,253 |
| Cash dividends to net income (ytd only)* | 61.2903% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2652% | 202 |
| Loan loss allowance to noncurrent loans | 1,347.1698% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 5,237 |
| Noncurrent loans to loans | 0.2424% | 4,788 |
| Net loans and leases to total assets | 60.1899% | 3,804 |
| Net loans and leases to deposits | 81.6584% | 2,604 |
| Net loans and leases to core deposits | 86.4903% | 2,718 |
| Total domestic deposits to total assets | 73.7094% | 5,816 |
| Equity capital to assets | 11.0574% | 2,830 |
| Core capital (leverage) ratio | 10.0271% | 3,557 |
| Tier 1 risk-based capital ratio | 14.3615% | 3,724 |
| Total risk-based capital ratio | 15.6306% | 3,627 |
| Memoranda: | ||
| Average total assets | $388,818,330 | 1,710 |
| Average earning assets | $370,927,000 | 1,659 |
| Average equity | $42,715,000 | 1,731 |
| Average total loans | $242,616,330 | 1,791 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0738% | 2,939 |
| Cost of funding earning assets | 0.8173% | 454 |
| Net interest margin | 3.2564% | 4,394 |
| Noninterest income to average assets | 0.5447% | 2,990 |
| Noninterest expense to average assets | 1.9531% | 5,657 |
| Loan and lease loss provision to assets | 0.1539% | 1,324 |
| Net operating income to assets | 1.4587% | 925 |
| Return on assets (ROA) | 1.4587% | 985 |
| Pretax return on assets | 1.5356% | 1,437 |
| Return on Equity (ROE) | 13.3210% | 1,022 |
| Retained earnings to average equity (ytd only) | 4.8900% | 3,115 |
| Net charge-offs to loans | -0.3152% | 6,156 |
| Credit loss provision to net charge-offs | -78.1250% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6187% | 5,708 |
| Assets per employee ($millions) | 5.5345% | 1,771 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2016% | 246 |
| Loan loss allowance to noncurrent loans | 5,455.3191% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 5,626 |
| Noncurrent loans to loans | 0.0587% | 5,544 |
| Net loans and leases to total assets | 58.3624% | 3,891 |
| Net loans and leases to deposits | 77.4028% | 2,890 |
| Net loans and leases to core deposits | 84.2308% | 2,742 |
| Total domestic deposits to total assets | 75.4008% | 5,796 |
| Equity capital to assets | 10.8053% | 3,186 |
| Core capital (leverage) ratio | 9.9000% | 3,749 |
| Tier 1 risk-based capital ratio | 14.3523% | 3,798 |
| Total risk-based capital ratio | 15.6213% | 3,711 |
| Memoranda: | ||
| Average total assets | $389,936,000 | 1,713 |
| Average earning assets | $370,958,000 | 1,668 |
| Average equity | $42,699,500 | 1,741 |
| Average total loans | $243,655,500 | 1,783 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3445% | 2,441 |
| Cost of funding earning assets | 0.9081% | 375 |
| Net interest margin | 3.4364% | 4,040 |
| Noninterest income to average assets | 0.7988% | 1,883 |
| Noninterest expense to average assets | 2.1349% | 5,494 |
| Loan and lease loss provision to assets | 0.2938% | 702 |
| Net operating income to assets | 1.5460% | 801 |
| Return on assets (ROA) | 1.5462% | 830 |
| Pretax return on assets | 1.6278% | 1,156 |
| Return on Equity (ROE) | 13.9043% | 949 |
| Retained earnings to average equity (ytd only) | 6.4966% | 1,642 |
| Net charge-offs to loans | -0.1320% | 6,180 |
| Credit loss provision to net charge-offs | -350.8197% | 5,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6334% | 5,938 |
| Assets per employee ($millions) | 5.4484% | 1,812 |
| Cash dividends to net income (ytd only)* | 53.2765% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9750% | 307 |
| Loan loss allowance to noncurrent loans | 5,176.0563% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 5,565 |
| Noncurrent loans to loans | 0.0575% | 5,654 |
| Net loans and leases to total assets | 62.8505% | 3,387 |
| Net loans and leases to deposits | 90.9107% | 1,412 |
| Net loans and leases to core deposits | 99.8438% | 1,403 |
| Total domestic deposits to total assets | 69.1343% | 6,231 |
| Equity capital to assets | 11.1020% | 2,804 |
| Core capital (leverage) ratio | 10.3455% | 3,117 |
| Tier 1 risk-based capital ratio | 13.8322% | 4,216 |
| Total risk-based capital ratio | 15.0990% | 4,143 |
| Memoranda: | ||
| Average total assets | $364,177,400 | 1,788 |
| Average earning assets | $345,219,800 | 1,736 |
| Average equity | $40,498,200 | 1,759 |
| Average total loans | $231,126,800 | 1,819 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 2,393 |
| Cost of funding earning assets | 0.9115% | 393 |
| Net interest margin | 3.4469% | 4,030 |
| Noninterest income to average assets | 0.7047% | 2,310 |
| Noninterest expense to average assets | 2.1366% | 5,492 |
| Loan and lease loss provision to assets | 0.1834% | 1,334 |
| Net operating income to assets | 1.5742% | 804 |
| Return on assets (ROA) | 1.5742% | 830 |
| Pretax return on assets | 1.6576% | 1,168 |
| Return on Equity (ROE) | 14.1498% | 958 |
| Retained earnings to average equity (ytd only) | 5.8244% | 2,516 |
| Net charge-offs to loans | -0.1491% | 6,236 |
| Credit loss provision to net charge-offs | -194.8819% | 5,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7165% | 5,848 |
| Assets per employee ($millions) | 5.1409% | 2,091 |
| Cash dividends to net income (ytd only)* | 58.8374% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7787% | 450 |
| Loan loss allowance to noncurrent loans | 2,310.6529% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 4,968 |
| Noncurrent loans to loans | 0.1203% | 5,569 |
| Net loans and leases to total assets | 64.4536% | 3,119 |
| Net loans and leases to deposits | 91.0403% | 1,319 |
| Net loans and leases to core deposits | 100.2873% | 1,344 |
| Total domestic deposits to total assets | 70.7967% | 6,241 |
| Equity capital to assets | 11.3305% | 2,644 |
| Core capital (leverage) ratio | 10.3985% | 3,160 |
| Tier 1 risk-based capital ratio | 13.8176% | 4,345 |
| Total risk-based capital ratio | 15.0822% | 4,269 |
| Memoranda: | ||
| Average total assets | $359,874,000 | 1,825 |
| Average earning assets | $341,707,000 | 1,754 |
| Average equity | $40,037,250 | 1,789 |
| Average total loans | $227,144,500 | 1,858 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 2,862 |
| Cost of funding earning assets | 0.9064% | 417 |
| Net interest margin | 3.3192% | 4,508 |
| Noninterest income to average assets | 0.6801% | 2,377 |
| Noninterest expense to average assets | 2.1850% | 5,452 |
| Loan and lease loss provision to assets | 0.0307% | 3,664 |
| Net operating income to assets | 1.5345% | 821 |
| Return on assets (ROA) | 1.5345% | 856 |
| Pretax return on assets | 1.6155% | 1,214 |
| Return on Equity (ROE) | 13.8797% | 981 |
| Retained earnings to average equity (ytd only) | 7.8187% | 1,388 |
| Net charge-offs to loans | -0.1071% | 6,171 |
| Credit loss provision to net charge-offs | -46.2185% | 5,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0325% | 5,653 |
| Assets per employee ($millions) | 5.0709% | 2,127 |
| Cash dividends to net income (ytd only)* | 43.6681% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5919% | 623 |
| Loan loss allowance to noncurrent loans | 1,184.7784% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 5,646 |
| Noncurrent loans to loans | 0.2188% | 5,353 |
| Net loans and leases to total assets | 62.4278% | 3,338 |
| Net loans and leases to deposits | 87.5575% | 1,647 |
| Net loans and leases to core deposits | 96.1401% | 1,587 |
| Total domestic deposits to total assets | 71.2992% | 6,299 |
| Equity capital to assets | 11.0706% | 2,813 |
| Core capital (leverage) ratio | 10.6195% | 2,804 |
| Tier 1 risk-based capital ratio | 13.9703% | 4,276 |
| Total risk-based capital ratio | 15.2328% | 4,209 |
| Memoranda: | ||
| Average total assets | $358,163,000 | 1,831 |
| Average earning assets | $340,019,330 | 1,768 |
| Average equity | $39,597,330 | 1,792 |
| Average total loans | $222,198,000 | 1,886 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1759% | 2,962 |
| Cost of funding earning assets | 0.9156% | 415 |
| Net interest margin | 3.2603% | 4,703 |
| Noninterest income to average assets | 0.6043% | 2,710 |
| Noninterest expense to average assets | 2.1888% | 5,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4335% | 929 |
| Return on assets (ROA) | 1.4335% | 966 |
| Pretax return on assets | 1.5096% | 1,407 |
| Return on Equity (ROE) | 12.9750% | 1,168 |
| Retained earnings to average equity (ytd only) | 4.7500% | 3,264 |
| Net charge-offs to loans | -0.0745% | 5,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1830% | 5,511 |
| Assets per employee ($millions) | 4.8463% | 2,448 |
| Cash dividends to net income (ytd only)* | 63.3914% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7613% | 574 |
| Loan loss allowance to noncurrent loans | 1,240.2062% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 5,760 |
| Noncurrent loans to loans | 0.2227% | 5,428 |
| Net loans and leases to total assets | 59.8716% | 3,581 |
| Net loans and leases to deposits | 85.0383% | 1,718 |
| Net loans and leases to core deposits | 86.0774% | 2,311 |
| Total domestic deposits to total assets | 70.4055% | 6,436 |
| Equity capital to assets | 11.1458% | 2,577 |
| Core capital (leverage) ratio | 10.4969% | 2,937 |
| Tier 1 risk-based capital ratio | 14.4234% | 4,049 |
| Total risk-based capital ratio | 15.7111% | 3,986 |
| Memoranda: | ||
| Average total assets | $352,155,500 | 1,863 |
| Average earning assets | $334,201,000 | 1,806 |
| Average equity | $38,905,500 | 1,808 |
| Average total loans | $214,675,500 | 1,940 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 3,136 |
| Cost of funding earning assets | 0.9593% | 554 |
| Net interest margin | 3.2947% | 4,686 |
| Noninterest income to average assets | 0.6946% | 2,573 |
| Noninterest expense to average assets | 2.1815% | 5,677 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.5430% | 763 |
| Return on assets (ROA) | 1.5346% | 805 |
| Pretax return on assets | 1.6155% | 1,130 |
| Return on Equity (ROE) | 13.8491% | 981 |
| Retained earnings to average equity (ytd only) | 1.5638% | 5,111 |
| Net charge-offs to loans | -0.1835% | 6,603 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3217% | 5,814 |
| Assets per employee ($millions) | 4.8685% | 2,351 |
| Cash dividends to net income (ytd only)* | 88.7082% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8248% | 576 |
| Loan loss allowance to noncurrent loans | 1,028.3993% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 5,574 |
| Noncurrent loans to loans | 0.2747% | 5,351 |
| Net loans and leases to total assets | 58.6388% | 3,929 |
| Net loans and leases to deposits | 83.3108% | 2,021 |
| Net loans and leases to core deposits | 84.0617% | 2,671 |
| Total domestic deposits to total assets | 70.3856% | 6,507 |
| Equity capital to assets | 10.9489% | 2,661 |
| Core capital (leverage) ratio | 10.4052% | 3,016 |
| Tier 1 risk-based capital ratio | 14.4568% | 3,981 |
| Total risk-based capital ratio | 15.7448% | 3,895 |
| Memoranda: | ||
| Average total assets | $352,594,400 | 1,835 |
| Average earning assets | $332,959,400 | 1,790 |
| Average equity | $39,071,200 | 1,788 |
| Average total loans | $203,844,200 | 1,971 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1930% | 3,412 |
| Cost of funding earning assets | 0.9634% | 595 |
| Net interest margin | 3.2295% | 4,900 |
| Noninterest income to average assets | 0.7016% | 2,597 |
| Noninterest expense to average assets | 2.1243% | 5,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5438% | 833 |
| Return on assets (ROA) | 1.5338% | 889 |
| Pretax return on assets | 1.6146% | 1,308 |
| Return on Equity (ROE) | 13.8004% | 1,037 |
| Retained earnings to average equity (ytd only) | 1.5696% | 5,344 |
| Net charge-offs to loans | -0.2549% | 6,694 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6566% | 5,839 |
| Assets per employee ($millions) | 4.8231% | 2,406 |
| Cash dividends to net income (ytd only)* | 88.6264% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9275% | 599 |
| Loan loss allowance to noncurrent loans | 1,385.8796% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 5,642 |
| Noncurrent loans to loans | 0.2112% | 5,711 |
| Net loans and leases to total assets | 57.9730% | 4,012 |
| Net loans and leases to deposits | 83.5641% | 1,929 |
| Net loans and leases to core deposits | 84.3455% | 2,611 |
| Total domestic deposits to total assets | 69.3755% | 6,622 |
| Equity capital to assets | 11.0509% | 2,715 |
| Core capital (leverage) ratio | 10.4674% | 3,041 |
| Tier 1 risk-based capital ratio | 14.8887% | 3,820 |
| Total risk-based capital ratio | 16.1774% | 3,749 |
| Memoranda: | ||
| Average total assets | $353,110,750 | 1,845 |
| Average earning assets | $333,248,000 | 1,798 |
| Average equity | $39,244,250 | 1,796 |
| Average total loans | $201,925,000 | 1,994 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 3,565 |
| Cost of funding earning assets | 0.9586% | 682 |
| Net interest margin | 3.1859% | 4,991 |
| Noninterest income to average assets | 0.6746% | 2,770 |
| Noninterest expense to average assets | 2.0793% | 5,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5157% | 874 |
| Return on assets (ROA) | 1.5157% | 940 |
| Pretax return on assets | 1.5959% | 1,384 |
| Return on Equity (ROE) | 13.6132% | 1,099 |
| Retained earnings to average equity (ytd only) | 4.5931% | 3,343 |
| Net charge-offs to loans | -0.3700% | 6,788 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5761% | 5,892 |
| Assets per employee ($millions) | 4.8887% | 2,245 |
| Cash dividends to net income (ytd only)* | 66.2597% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9415% | 620 |
| Loan loss allowance to noncurrent loans | 1,178.1065% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 5,336 |
| Noncurrent loans to loans | 0.2497% | 5,683 |
| Net loans and leases to total assets | 55.9936% | 4,291 |
| Net loans and leases to deposits | 79.6705% | 2,372 |
| Net loans and leases to core deposits | 80.6885% | 2,950 |
| Total domestic deposits to total assets | 70.2814% | 6,649 |
| Equity capital to assets | 11.1900% | 2,560 |
| Core capital (leverage) ratio | 10.3773% | 3,011 |
| Tier 1 risk-based capital ratio | 15.1705% | 3,664 |
| Total risk-based capital ratio | 16.4359% | 3,623 |
| Memoranda: | ||
| Average total assets | $356,667,000 | 1,829 |
| Average earning assets | $335,913,330 | 1,784 |
| Average equity | $39,711,330 | 1,774 |
| Average total loans | $201,063,000 | 2,005 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 3,786 |
| Cost of funding earning assets | 0.9609% | 741 |
| Net interest margin | 3.1240% | 5,181 |
| Noninterest income to average assets | 0.6574% | 2,833 |
| Noninterest expense to average assets | 2.0456% | 6,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4618% | 932 |
| Return on assets (ROA) | 1.4618% | 1,011 |
| Pretax return on assets | 1.5387% | 1,457 |
| Return on Equity (ROE) | 13.1616% | 1,129 |
| Retained earnings to average equity (ytd only) | 4.0227% | 3,816 |
| Net charge-offs to loans | 0.0100% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 276.2000% | 135 |
| Efficiency ratio | 57.0718% | 5,951 |
| Assets per employee ($millions) | 5.3222% | 1,838 |
| Cash dividends to net income (ytd only)* | 69.4360% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8234% | 800 |
| Loan loss allowance to noncurrent loans | 331.9098% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7809% | 4,425 |
| Noncurrent loans to loans | 0.8507% | 4,417 |
| Net loans and leases to total assets | 53.2182% | 4,528 |
| Net loans and leases to deposits | 75.2984% | 2,734 |
| Net loans and leases to core deposits | 77.4233% | 3,139 |
| Total domestic deposits to total assets | 70.6764% | 6,725 |
| Equity capital to assets | 11.0679% | 2,882 |
| Core capital (leverage) ratio | 10.1701% | 3,183 |
| Tier 1 risk-based capital ratio | 15.1729% | 3,722 |
| Total risk-based capital ratio | 16.4632% | 3,647 |
| Memoranda: | ||
| Average total assets | $359,008,000 | 1,841 |
| Average earning assets | $336,359,000 | 1,800 |
| Average equity | $39,873,500 | 1,783 |
| Average total loans | $200,063,500 | 2,027 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1395% | 4,805 |
| Cost of funding earning assets | 1.0516% | 1,114 |
| Net interest margin | 3.0879% | 5,845 |
| Noninterest income to average assets | 0.7956% | 2,281 |
| Noninterest expense to average assets | 2.2064% | 5,912 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4084% | 1,085 |
| Return on assets (ROA) | 1.4794% | 1,064 |
| Pretax return on assets | 1.5573% | 1,499 |
| Return on Equity (ROE) | 12.7436% | 1,299 |
| Retained earnings to average equity (ytd only) | 1.3556% | 5,198 |
| Net charge-offs to loans | -0.0744% | 6,780 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8101% | 5,571 |
| Assets per employee ($millions) | 5.0872% | 2,117 |
| Cash dividends to net income (ytd only)* | 89.3625% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7737% | 847 |
| Loan loss allowance to noncurrent loans | 354.4937% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 4,494 |
| Noncurrent loans to loans | 0.7825% | 4,615 |
| Net loans and leases to total assets | 55.1319% | 4,434 |
| Net loans and leases to deposits | 78.2408% | 2,487 |
| Net loans and leases to core deposits | 80.4903% | 2,941 |
| Total domestic deposits to total assets | 70.4644% | 6,769 |
| Equity capital to assets | 11.1458% | 2,795 |
| Core capital (leverage) ratio | 10.3933% | 2,893 |
| Tier 1 risk-based capital ratio | 14.5563% | 3,989 |
| Total risk-based capital ratio | 15.8440% | 3,921 |
| Memoranda: | ||
| Average total assets | $342,509,200 | 1,893 |
| Average earning assets | $320,929,600 | 1,846 |
| Average equity | $39,761,000 | 1,752 |
| Average total loans | $182,710,800 | 2,169 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 5,120 |
| Cost of funding earning assets | 1.0630% | 1,223 |
| Net interest margin | 3.0558% | 6,052 |
| Noninterest income to average assets | 0.7474% | 2,496 |
| Noninterest expense to average assets | 2.1927% | 5,971 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3595% | 1,307 |
| Return on assets (ROA) | 1.4551% | 1,238 |
| Pretax return on assets | 1.5318% | 1,774 |
| Return on Equity (ROE) | 12.4050% | 1,496 |
| Retained earnings to average equity (ytd only) | 1.2502% | 5,672 |
| Net charge-offs to loans | -0.0982% | 6,847 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5078% | 5,410 |
| Assets per employee ($millions) | 4.9092% | 2,313 |
| Cash dividends to net income (ytd only)* | 89.9217% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9376% | 770 |
| Loan loss allowance to noncurrent loans | 334.6890% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 1.6036% | 3,191 |
| Noncurrent loans to loans | 0.8777% | 4,669 |
| Net loans and leases to total assets | 54.5841% | 4,656 |
| Net loans and leases to deposits | 79.1718% | 2,515 |
| Net loans and leases to core deposits | 80.3442% | 3,160 |
| Total domestic deposits to total assets | 68.9438% | 6,886 |
| Equity capital to assets | 11.7696% | 2,465 |
| Core capital (leverage) ratio | 10.7020% | 2,696 |
| Tier 1 risk-based capital ratio | 15.2651% | 3,664 |
| Total risk-based capital ratio | 16.5568% | 3,598 |
| Memoranda: | ||
| Average total assets | $339,110,000 | 1,924 |
| Average earning assets | $319,212,250 | 1,879 |
| Average equity | $39,778,500 | 1,764 |
| Average total loans | $177,906,250 | 2,264 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 5,417 |
| Cost of funding earning assets | 1.0677% | 1,365 |
| Net interest margin | 3.0027% | 6,240 |
| Noninterest income to average assets | 0.7393% | 2,476 |
| Noninterest expense to average assets | 2.1773% | 6,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3211% | 1,389 |
| Return on assets (ROA) | 1.4645% | 1,192 |
| Pretax return on assets | 1.5417% | 1,741 |
| Return on Equity (ROE) | 12.4985% | 1,505 |
| Retained earnings to average equity (ytd only) | 6.8229% | 2,205 |
| Net charge-offs to loans | -0.1370% | 6,925 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0212% | 5,419 |
| Assets per employee ($millions) | 4.7341% | 2,526 |
| Cash dividends to net income (ytd only)* | 45.4106% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1096% | 710 |
| Loan loss allowance to noncurrent loans | 317.2727% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 1.6482% | 3,248 |
| Noncurrent loans to loans | 0.9801% | 4,550 |
| Net loans and leases to total assets | 51.7641% | 5,128 |
| Net loans and leases to deposits | 75.5923% | 3,042 |
| Net loans and leases to core deposits | 76.5579% | 3,709 |
| Total domestic deposits to total assets | 68.4780% | 6,977 |
| Equity capital to assets | 12.1293% | 2,048 |
| Core capital (leverage) ratio | 10.7631% | 2,523 |
| Tier 1 risk-based capital ratio | 16.5711% | 2,875 |
| Total risk-based capital ratio | 17.8629% | 2,812 |
| Memoranda: | ||
| Average total assets | $339,234,000 | 1,917 |
| Average earning assets | $319,575,330 | 1,873 |
| Average equity | $39,748,670 | 1,755 |
| Average total loans | $173,710,670 | 2,312 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 5,503 |
| Cost of funding earning assets | 1.0727% | 1,535 |
| Net interest margin | 3.0144% | 6,262 |
| Noninterest income to average assets | 0.7031% | 2,647 |
| Noninterest expense to average assets | 2.1667% | 6,121 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3014% | 1,457 |
| Return on assets (ROA) | 1.5869% | 990 |
| Pretax return on assets | 1.6702% | 1,379 |
| Return on Equity (ROE) | 13.7824% | 1,230 |
| Retained earnings to average equity (ytd only) | 8.0329% | 1,972 |
| Net charge-offs to loans | -1.0680% | 7,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2678% | 5,409 |
| Assets per employee ($millions) | 5.0216% | 2,228 |
| Cash dividends to net income (ytd only)* | 41.7160% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4369% | 560 |
| Loan loss allowance to noncurrent loans | 284.5267% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 1.6858% | 3,332 |
| Noncurrent loans to loans | 1.2079% | 4,314 |
| Net loans and leases to total assets | 48.0112% | 5,555 |
| Net loans and leases to deposits | 68.8160% | 3,906 |
| Net loans and leases to core deposits | 69.7263% | 4,459 |
| Total domestic deposits to total assets | 69.7676% | 6,992 |
| Equity capital to assets | 11.3705% | 2,559 |
| Core capital (leverage) ratio | 10.6176% | 2,626 |
| Tier 1 risk-based capital ratio | 17.0103% | 2,676 |
| Total risk-based capital ratio | 18.3128% | 2,623 |
| Memoranda: | ||
| Average total assets | $340,790,500 | 1,923 |
| Average earning assets | $320,327,000 | 1,877 |
| Average equity | $39,238,500 | 1,766 |
| Average total loans | $170,779,000 | 2,353 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5888% | 4,717 |
| Cost of funding earning assets | 1.1697% | 2,225 |
| Net interest margin | 3.4192% | 5,428 |
| Noninterest income to average assets | 0.8845% | 1,726 |
| Noninterest expense to average assets | 2.3733% | 5,844 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6295% | 630 |
| Return on assets (ROA) | 1.6377% | 669 |
| Pretax return on assets | 1.7240% | 944 |
| Return on Equity (ROE) | 13.7389% | 1,005 |
| Retained earnings to average equity (ytd only) | 0.1978% | 5,746 |
| Net charge-offs to loans | -0.2937% | 7,241 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0449% | 6,052 |
| Assets per employee ($millions) | 4.6540% | 2,678 |
| Cash dividends to net income (ytd only)* | 98.5599% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2283% | 665 |
| Loan loss allowance to noncurrent loans | 186.9654% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 1.9944% | 2,971 |
| Noncurrent loans to loans | 1.7267% | 3,576 |
| Net loans and leases to total assets | 48.8876% | 5,729 |
| Net loans and leases to deposits | 71.1092% | 3,935 |
| Net loans and leases to core deposits | 72.1257% | 4,509 |
| Total domestic deposits to total assets | 68.7501% | 7,042 |
| Equity capital to assets | 11.6623% | 2,371 |
| Core capital (leverage) ratio | 10.4783% | 2,756 |
| Tier 1 risk-based capital ratio | 16.4937% | 2,826 |
| Total risk-based capital ratio | 17.7901% | 2,769 |
| Memoranda: | ||
| Average total assets | $326,504,000 | 1,974 |
| Average earning assets | $305,982,400 | 1,923 |
| Average equity | $38,918,800 | 1,731 |
| Average total loans | $172,968,400 | 2,346 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 4,680 |
| Cost of funding earning assets | 1.1829% | 2,429 |
| Net interest margin | 3.4651% | 5,335 |
| Noninterest income to average assets | 0.8566% | 1,813 |
| Noninterest expense to average assets | 2.3443% | 5,923 |
| Loan and lease loss provision to assets | 0.1295% | 4,814 |
| Net operating income to assets | 1.5511% | 845 |
| Return on assets (ROA) | 1.5620% | 904 |
| Pretax return on assets | 1.6442% | 1,270 |
| Return on Equity (ROE) | 13.0316% | 1,268 |
| Retained earnings to average equity (ytd only) | 12.1057% | 489 |
| Net charge-offs to loans | 0.1748% | 4,404 |
| Credit loss provision to net charge-offs | 138.1579% | 2,308 |
| Earnings coverage of net charge-offs (x) | 18.8028% | 1,285 |
| Efficiency ratio | 57.0871% | 6,132 |
| Assets per employee ($millions) | 5.1376% | 2,011 |
| Cash dividends to net income (ytd only)* | 7.1052% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8611% | 970 |
| Loan loss allowance to noncurrent loans | 325.6294% | 968 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 4,354 |
| Noncurrent loans to loans | 0.8786% | 5,098 |
| Net loans and leases to total assets | 51.2809% | 5,543 |
| Net loans and leases to deposits | 75.6994% | 3,372 |
| Net loans and leases to core deposits | 76.7997% | 4,082 |
| Total domestic deposits to total assets | 67.7428% | 7,150 |
| Equity capital to assets | 12.6571% | 1,815 |
| Core capital (leverage) ratio | 11.8401% | 1,802 |
| Tier 1 risk-based capital ratio | 17.7594% | 2,346 |
| Total risk-based capital ratio | 19.0557% | 2,299 |
| Memoranda: | ||
| Average total assets | $324,357,750 | 1,993 |
| Average earning assets | $304,205,000 | 1,940 |
| Average equity | $38,878,750 | 1,737 |
| Average total loans | $173,890,000 | 2,342 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 4,481 |
| Cost of funding earning assets | 1.1973% | 2,598 |
| Net interest margin | 3.5157% | 5,087 |
| Noninterest income to average assets | 0.8980% | 1,654 |
| Noninterest expense to average assets | 2.3994% | 5,848 |
| Loan and lease loss provision to assets | 0.1308% | 4,657 |
| Net operating income to assets | 1.5901% | 744 |
| Return on assets (ROA) | 1.6067% | 765 |
| Pretax return on assets | 1.6914% | 1,075 |
| Return on Equity (ROE) | 13.6692% | 1,057 |
| Retained earnings to average equity (ytd only) | 12.7156% | 420 |
| Net charge-offs to loans | 0.2831% | 3,463 |
| Credit loss provision to net charge-offs | 85.7143% | 3,595 |
| Earnings coverage of net charge-offs (x) | 11.8286% | 1,669 |
| Efficiency ratio | 57.0730% | 6,285 |
| Assets per employee ($millions) | 4.8793% | 2,283 |
| Cash dividends to net income (ytd only)* | 6.9767% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8391% | 1,043 |
| Loan loss allowance to noncurrent loans | 158.5696% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 1.7424% | 3,588 |
| Noncurrent loans to loans | 1.7904% | 3,770 |
| Net loans and leases to total assets | 51.5252% | 5,623 |
| Net loans and leases to deposits | 75.9933% | 3,474 |
| Net loans and leases to core deposits | 77.1185% | 4,175 |
| Total domestic deposits to total assets | 67.8022% | 7,200 |
| Equity capital to assets | 12.2402% | 1,941 |
| Core capital (leverage) ratio | 11.4495% | 1,947 |
| Tier 1 risk-based capital ratio | 17.0035% | 2,518 |
| Total risk-based capital ratio | 18.2975% | 2,478 |
| Memoranda: | ||
| Average total assets | $321,161,330 | 2,013 |
| Average earning assets | $302,018,670 | 1,960 |
| Average equity | $37,749,000 | 1,775 |
| Average total loans | $173,088,330 | 2,372 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7719% | 4,193 |
| Cost of funding earning assets | 1.2221% | 2,672 |
| Net interest margin | 3.5498% | 4,815 |
| Noninterest income to average assets | 0.8320% | 1,918 |
| Noninterest expense to average assets | 2.3928% | 5,903 |
| Loan and lease loss provision to assets | 0.1320% | 4,346 |
| Net operating income to assets | 1.5582% | 764 |
| Return on assets (ROA) | 1.5546% | 803 |
| Pretax return on assets | 1.6363% | 1,114 |
| Return on Equity (ROE) | 13.5132% | 1,087 |
| Retained earnings to average equity (ytd only) | 12.5300% | 663 |
| Net charge-offs to loans | 0.1897% | 3,365 |
| Credit loss provision to net charge-offs | 128.0488% | 2,157 |
| Earnings coverage of net charge-offs (x) | 17.1951% | 1,229 |
| Efficiency ratio | 57.4532% | 6,329 |
| Assets per employee ($millions) | 4.6732% | 2,620 |
| Cash dividends to net income (ytd only)* | 7.2757% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8987% | 1,007 |
| Loan loss allowance to noncurrent loans | 161.1129% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 1.7624% | 3,626 |
| Noncurrent loans to loans | 1.7992% | 3,831 |
| Net loans and leases to total assets | 51.7361% | 5,616 |
| Net loans and leases to deposits | 76.0284% | 3,415 |
| Net loans and leases to core deposits | 77.2479% | 4,122 |
| Total domestic deposits to total assets | 68.0484% | 7,264 |
| Equity capital to assets | 11.7702% | 2,061 |
| Core capital (leverage) ratio | 11.2711% | 1,986 |
| Tier 1 risk-based capital ratio | 16.7835% | 2,551 |
| Total risk-based capital ratio | 18.0785% | 2,505 |
| Memoranda: | ||
| Average total assets | $318,285,000 | 2,049 |
| Average earning assets | $298,831,000 | 2,001 |
| Average equity | $36,616,000 | 1,813 |
| Average total loans | $172,950,000 | 2,389 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2258% | 3,479 |
| Cost of funding earning assets | 1.3564% | 3,529 |
| Net interest margin | 3.8694% | 3,640 |
| Noninterest income to average assets | 0.9341% | 1,729 |
| Noninterest expense to average assets | 2.5074% | 5,769 |
| Loan and lease loss provision to assets | 0.5857% | 2,791 |
| Net operating income to assets | 1.3641% | 1,025 |
| Return on assets (ROA) | 1.2479% | 1,369 |
| Pretax return on assets | 1.3137% | 1,900 |
| Return on Equity (ROE) | 11.2096% | 1,523 |
| Retained earnings to average equity (ytd only) | 10.3352% | 460 |
| Net charge-offs to loans | 1.0500% | 2,103 |
| Credit loss provision to net charge-offs | 92.7544% | 5,002 |
| Earnings coverage of net charge-offs (x) | 3.2020% | 3,479 |
| Efficiency ratio | 55.3621% | 6,671 |
| Assets per employee ($millions) | 4.6194% | 2,667 |
| Cash dividends to net income (ytd only)* | 7.8003% | 3,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8473% | 1,000 |
| Loan loss allowance to noncurrent loans | 153.8485% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 1.8070% | 3,614 |
| Noncurrent loans to loans | 1.8507% | 3,754 |
| Net loans and leases to total assets | 53.8457% | 5,652 |
| Net loans and leases to deposits | 79.7048% | 3,224 |
| Net loans and leases to core deposits | 81.6439% | 3,959 |
| Total domestic deposits to total assets | 67.5563% | 7,337 |
| Equity capital to assets | 11.2311% | 2,471 |
| Core capital (leverage) ratio | 10.9975% | 2,168 |
| Tier 1 risk-based capital ratio | 16.0428% | 2,730 |
| Total risk-based capital ratio | 17.3358% | 2,670 |
| Memoranda: | ||
| Average total assets | $308,202,800 | 2,102 |
| Average earning assets | $286,348,600 | 2,074 |
| Average equity | $34,309,800 | 1,929 |
| Average total loans | $185,339,000 | 2,295 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3064% | 3,325 |
| Cost of funding earning assets | 1.3781% | 3,721 |
| Net interest margin | 3.9282% | 3,414 |
| Noninterest income to average assets | 0.9255% | 1,707 |
| Noninterest expense to average assets | 2.6021% | 5,316 |
| Loan and lease loss provision to assets | 0.6216% | 2,449 |
| Net operating income to assets | 1.2785% | 1,386 |
| Return on assets (ROA) | 1.1228% | 1,927 |
| Pretax return on assets | 1.1819% | 2,556 |
| Return on Equity (ROE) | 10.1091% | 2,083 |
| Retained earnings to average equity (ytd only) | 10.1091% | 766 |
| Net charge-offs to loans | 1.1912% | 1,711 |
| Credit loss provision to net charge-offs | 85.0684% | 4,964 |
| Earnings coverage of net charge-offs (x) | 2.6924% | 3,800 |
| Efficiency ratio | 56.9444% | 6,421 |
| Assets per employee ($millions) | 4.5652% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7974% | 1,006 |
| Loan loss allowance to noncurrent loans | 174.3525% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 1.7872% | 3,765 |
| Noncurrent loans to loans | 1.6044% | 4,238 |
| Net loans and leases to total assets | 55.8977% | 5,555 |
| Net loans and leases to deposits | 84.2540% | 2,661 |
| Net loans and leases to core deposits | 86.5474% | 3,580 |
| Total domestic deposits to total assets | 66.3442% | 7,457 |
| Equity capital to assets | 12.0067% | 2,158 |
| Core capital (leverage) ratio | 11.2482% | 2,102 |
| Tier 1 risk-based capital ratio | 16.1380% | 2,703 |
| Total risk-based capital ratio | 17.4280% | 2,633 |
| Memoranda: | ||
| Average total assets | $306,723,500 | 2,147 |
| Average earning assets | $284,531,000 | 2,112 |
| Average equity | $34,067,500 | 1,963 |
| Average total loans | $188,149,500 | 2,302 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3481% | 3,225 |
| Cost of funding earning assets | 1.3889% | 3,945 |
| Net interest margin | 3.9592% | 3,208 |
| Noninterest income to average assets | 0.9088% | 1,661 |
| Noninterest expense to average assets | 2.5761% | 5,428 |
| Loan and lease loss provision to assets | 0.7811% | 1,844 |
| Net operating income to assets | 1.1621% | 1,669 |
| Return on assets (ROA) | 1.2692% | 1,448 |
| Pretax return on assets | 1.3360% | 1,987 |
| Return on Equity (ROE) | 11.7371% | 1,519 |
| Retained earnings to average equity (ytd only) | 11.7371% | 531 |
| Net charge-offs to loans | 1.7689% | 1,055 |
| Credit loss provision to net charge-offs | 70.5504% | 4,956 |
| Earnings coverage of net charge-offs (x) | 1.8103% | 4,162 |
| Efficiency ratio | 56.2412% | 6,610 |
| Assets per employee ($millions) | 4.1522% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4751% | 1,330 |
| Loan loss allowance to noncurrent loans | 108.2450% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 1.8709% | 3,659 |
| Noncurrent loans to loans | 2.2866% | 3,388 |
| Net loans and leases to total assets | 59.7318% | 5,113 |
| Net loans and leases to deposits | 88.8407% | 2,025 |
| Net loans and leases to core deposits | 91.0922% | 3,109 |
| Total domestic deposits to total assets | 67.2347% | 7,468 |
| Equity capital to assets | 11.3035% | 2,596 |
| Core capital (leverage) ratio | 10.8680% | 2,352 |
| Tier 1 risk-based capital ratio | 15.4035% | 2,951 |
| Total risk-based capital ratio | 16.6896% | 2,891 |
| Memoranda: | ||
| Average total assets | $308,529,330 | 2,152 |
| Average earning assets | $286,117,670 | 2,112 |
| Average equity | $33,364,330 | 1,997 |
| Average total loans | $193,109,330 | 2,284 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3488% | 3,307 |
| Cost of funding earning assets | 1.4137% | 4,097 |
| Net interest margin | 3.9351% | 3,173 |
| Noninterest income to average assets | 0.9305% | 1,513 |
| Noninterest expense to average assets | 2.4894% | 5,764 |
| Loan and lease loss provision to assets | 0.7133% | 1,789 |
| Net operating income to assets | 1.2982% | 1,301 |
| Return on assets (ROA) | 1.3494% | 1,255 |
| Pretax return on assets | 1.4201% | 1,716 |
| Return on Equity (ROE) | 12.7599% | 1,309 |
| Retained earnings to average equity (ytd only) | 12.7599% | 655 |
| Net charge-offs to loans | 1.7415% | 995 |
| Credit loss provision to net charge-offs | 64.7608% | 4,212 |
| Earnings coverage of net charge-offs (x) | 1.8880% | 3,600 |
| Efficiency ratio | 54.4866% | 6,927 |
| Assets per employee ($millions) | 4.4052% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4928% | 1,303 |
| Loan loss allowance to noncurrent loans | 93.5440% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 2.3226% | 3,124 |
| Noncurrent loans to loans | 2.6648% | 3,006 |
| Net loans and leases to total assets | 60.8369% | 4,967 |
| Net loans and leases to deposits | 89.4650% | 1,993 |
| Net loans and leases to core deposits | 91.9374% | 3,115 |
| Total domestic deposits to total assets | 68.0008% | 7,527 |
| Equity capital to assets | 10.9191% | 2,836 |
| Core capital (leverage) ratio | 10.4458% | 2,677 |
| Tier 1 risk-based capital ratio | 14.5160% | 3,365 |
| Total risk-based capital ratio | 15.7771% | 3,331 |
| Memoranda: | ||
| Average total assets | $311,239,000 | 2,189 |
| Average earning assets | $287,765,500 | 2,159 |
| Average equity | $32,915,500 | 2,041 |
| Average total loans | $196,840,000 | 2,306 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4489% | 4,443 |
| Cost of funding earning assets | 1.7318% | 4,352 |
| Net interest margin | 3.7171% | 4,056 |
| Noninterest income to average assets | 0.8826% | 2,020 |
| Noninterest expense to average assets | 2.5240% | 6,043 |
| Loan and lease loss provision to assets | 0.2881% | 5,126 |
| Net operating income to assets | 1.4674% | 723 |
| Return on assets (ROA) | 1.4846% | 757 |
| Pretax return on assets | 1.5629% | 1,045 |
| Return on Equity (ROE) | 16.5869% | 494 |
| Retained earnings to average equity (ytd only) | 16.5869% | 66 |
| Net charge-offs to loans | 0.2550% | 5,025 |
| Credit loss provision to net charge-offs | 167.0886% | 2,584 |
| Earnings coverage of net charge-offs (x) | 10.6311% | 1,663 |
| Efficiency ratio | 57.9320% | 6,771 |
| Assets per employee ($millions) | 4.0794% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5328% | 1,189 |
| Loan loss allowance to noncurrent loans | 101.5943% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 2.2387% | 3,083 |
| Noncurrent loans to loans | 2.4930% | 3,047 |
| Net loans and leases to total assets | 62.4572% | 4,902 |
| Net loans and leases to deposits | 95.1805% | 1,436 |
| Net loans and leases to core deposits | 105.2489% | 3,425 |
| Total domestic deposits to total assets | 65.6198% | 7,656 |
| Equity capital to assets | 10.2384% | 3,472 |
| Core capital (leverage) ratio | 9.9695% | 3,121 |
| Tier 1 risk-based capital ratio | 13.5634% | 3,787 |
| Total risk-based capital ratio | 14.8499% | 3,698 |
| Memoranda: | ||
| Average total assets | $320,756,600 | 2,109 |
| Average earning assets | $299,801,200 | 2,075 |
| Average equity | $28,709,400 | 2,317 |
| Average total loans | $216,820,400 | 2,132 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3363% | 5,243 |
| Cost of funding earning assets | 1.7836% | 4,456 |
| Net interest margin | 3.5527% | 4,662 |
| Noninterest income to average assets | 0.8775% | 2,074 |
| Noninterest expense to average assets | 2.5238% | 5,999 |
| Loan and lease loss provision to assets | 0.2866% | 4,681 |
| Net operating income to assets | 1.3282% | 1,162 |
| Return on assets (ROA) | 1.4453% | 990 |
| Pretax return on assets | 1.5214% | 1,356 |
| Return on Equity (ROE) | 16.7340% | 576 |
| Retained earnings to average equity (ytd only) | 16.7340% | 111 |
| Net charge-offs to loans | 0.4851% | 3,288 |
| Credit loss provision to net charge-offs | 86.3014% | 5,584 |
| Earnings coverage of net charge-offs (x) | 5.0735% | 2,934 |
| Efficiency ratio | 59.9686% | 6,424 |
| Assets per employee ($millions) | 4.0931% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2132% | 1,397 |
| Loan loss allowance to noncurrent loans | 124.0462% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 1.8770% | 3,543 |
| Noncurrent loans to loans | 1.7842% | 3,933 |
| Net loans and leases to total assets | 65.5765% | 4,517 |
| Net loans and leases to deposits | 101.1393% | 1,000 |
| Net loans and leases to core deposits | 111.2970% | 3,093 |
| Total domestic deposits to total assets | 64.8378% | 7,734 |
| Equity capital to assets | 9.9692% | 4,126 |
| Core capital (leverage) ratio | 9.6544% | 3,711 |
| Tier 1 risk-based capital ratio | 12.9338% | 4,241 |
| Total risk-based capital ratio | 14.2141% | 4,148 |
| Memoranda: | ||
| Average total assets | $322,418,000 | 2,112 |
| Average earning assets | $302,299,500 | 2,073 |
| Average equity | $27,846,750 | 2,400 |
| Average total loans | $220,704,750 | 2,119 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2027% | 6,070 |
| Cost of funding earning assets | 1.8502% | 4,507 |
| Net interest margin | 3.3526% | 5,353 |
| Noninterest income to average assets | 0.9117% | 1,936 |
| Noninterest expense to average assets | 2.4537% | 6,284 |
| Loan and lease loss provision to assets | 0.2833% | 4,309 |
| Net operating income to assets | 1.2590% | 1,332 |
| Return on assets (ROA) | 1.3575% | 1,178 |
| Pretax return on assets | 1.4292% | 1,646 |
| Return on Equity (ROE) | 16.5275% | 640 |
| Retained earnings to average equity (ytd only) | 16.5275% | 146 |
| Net charge-offs to loans | 0.7449% | 2,191 |
| Credit loss provision to net charge-offs | 55.1971% | 5,675 |
| Earnings coverage of net charge-offs (x) | 3.1350% | 3,553 |
| Efficiency ratio | 60.3984% | 6,481 |
| Assets per employee ($millions) | 3.9704% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0497% | 1,480 |
| Loan loss allowance to noncurrent loans | 82.2684% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 2.1657% | 2,980 |
| Noncurrent loans to loans | 2.4915% | 2,909 |
| Net loans and leases to total assets | 65.4760% | 4,668 |
| Net loans and leases to deposits | 97.3410% | 1,621 |
| Net loans and leases to core deposits | 106.7415% | 3,750 |
| Total domestic deposits to total assets | 67.2645% | 7,663 |
| Equity capital to assets | 9.0003% | 5,318 |
| Core capital (leverage) ratio | 9.0649% | 4,528 |
| Tier 1 risk-based capital ratio | 12.4185% | 4,585 |
| Total risk-based capital ratio | 13.6983% | 4,486 |
| Memoranda: | ||
| Average total assets | $326,198,000 | 2,118 |
| Average earning assets | $306,569,670 | 2,076 |
| Average equity | $26,791,670 | 2,495 |
| Average total loans | $224,736,000 | 2,124 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 6,448 |
| Cost of funding earning assets | 1.9433% | 4,411 |
| Net interest margin | 3.2157% | 5,810 |
| Noninterest income to average assets | 0.8884% | 1,898 |
| Noninterest expense to average assets | 2.4716% | 5,950 |
| Loan and lease loss provision to assets | 0.2796% | 3,717 |
| Net operating income to assets | 1.1072% | 1,941 |
| Return on assets (ROA) | 1.2636% | 1,570 |
| Pretax return on assets | 1.3302% | 2,179 |
| Return on Equity (ROE) | 16.1276% | 801 |
| Retained earnings to average equity (ytd only) | 16.1276% | 328 |
| Net charge-offs to loans | 0.1975% | 3,456 |
| Credit loss provision to net charge-offs | 202.6316% | 2,191 |
| Earnings coverage of net charge-offs (x) | 10.4737% | 1,950 |
| Efficiency ratio | 63.1026% | 5,855 |
| Assets per employee ($millions) | 4.0476% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1579% | 1,131 |
| Loan loss allowance to noncurrent loans | 51.6473% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 2.9331% | 1,939 |
| Noncurrent loans to loans | 4.1782% | 1,421 |
| Net loans and leases to total assets | 68.6862% | 3,979 |
| Net loans and leases to deposits | 101.2339% | 1,258 |
| Net loans and leases to core deposits | 116.8387% | 2,699 |
| Total domestic deposits to total assets | 67.8490% | 7,603 |
| Equity capital to assets | 8.5877% | 5,936 |
| Core capital (leverage) ratio | 8.3617% | 5,787 |
| Tier 1 risk-based capital ratio | 11.7961% | 5,130 |
| Total risk-based capital ratio | 13.0753% | 5,009 |
| Memoranda: | ||
| Average total assets | $330,480,000 | 2,110 |
| Average earning assets | $311,221,500 | 2,056 |
| Average equity | $25,893,500 | 2,578 |
| Average total loans | $230,941,000 | 2,091 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1453% | 4,799 |
| Cost of funding earning assets | 2.4653% | 4,390 |
| Net interest margin | 3.6800% | 4,549 |
| Noninterest income to average assets | 0.8192% | 2,406 |
| Noninterest expense to average assets | 2.2040% | 6,953 |
| Loan and lease loss provision to assets | 0.9073% | 1,647 |
| Net operating income to assets | 1.0625% | 2,297 |
| Return on assets (ROA) | -0.3286% | 6,628 |
| Pretax return on assets | -0.3456% | 6,498 |
| Return on Equity (ROE) | -4.1553% | 6,770 |
| Retained earnings to average equity (ytd only) | -6.6318% | 6,744 |
| Net charge-offs to loans | 1.0212% | 1,213 |
| Credit loss provision to net charge-offs | 127.5820% | 4,180 |
| Earnings coverage of net charge-offs (x) | 2.8489% | 4,649 |
| Efficiency ratio | 52.1040% | 7,476 |
| Assets per employee ($millions) | 4.3190% | 2,921 |
| Cash dividends to net income (ytd only)* | -59.5968% | 8,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9911% | 1,243 |
| Loan loss allowance to noncurrent loans | 138.7438% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 4,337 |
| Noncurrent loans to loans | 1.4351% | 3,651 |
| Net loans and leases to total assets | 68.1946% | 4,431 |
| Net loans and leases to deposits | 96.5617% | 2,357 |
| Net loans and leases to core deposits | 116.7363% | 3,038 |
| Total domestic deposits to total assets | 70.6228% | 7,213 |
| Equity capital to assets | 7.1298% | 7,665 |
| Core capital (leverage) ratio | 7.7743% | 6,839 |
| Tier 1 risk-based capital ratio | 10.3617% | 6,352 |
| Total risk-based capital ratio | 11.6319% | 6,211 |
| Memoranda: | ||
| Average total assets | $347,188,200 | 1,917 |
| Average earning assets | $321,790,000 | 1,893 |
| Average equity | $27,458,600 | 2,444 |
| Average total loans | $241,764,000 | 1,956 |