Home > Midwest Bank > Performance and Condition Ratios
Midwest 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 | 5.1855% | 1,700 |
| Cost of funding earning assets | 2.0412% | 865 |
| Net interest margin | 3.1443% | 2,992 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.4645% | 2,404 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7270% | 3,114 |
| Return on assets (ROA) | 0.7163% | 3,125 |
| Pretax return on assets | 0.8916% | 2,985 |
| Return on Equity (ROE) | 8.7900% | 2,808 |
| Retained earnings to average equity (ytd only) | 3.7463% | 3,045 |
| Net charge-offs to loans | -0.0006% | 3,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.7162% | 1,589 |
| Assets per employee ($millions) | 6.5672% | 2,370 |
| Cash dividends to net income (ytd only)* | 57.3926% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 1,520 |
| Loan loss allowance to noncurrent loans | 1,144.6945% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 2,949 |
| Noncurrent loans to loans | 0.1194% | 2,922 |
| Net loans and leases to total assets | 71.9700% | 1,585 |
| Net loans and leases to deposits | 86.8844% | 1,543 |
| Net loans and leases to core deposits | 100.5083% | 1,402 |
| Total domestic deposits to total assets | 82.8400% | 2,931 |
| Equity capital to assets | 8.1312% | 3,328 |
| Core capital (leverage) ratio | 9.5611% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6028% | 2,380 |
| Memoranda: | ||
| Average total assets | $1,014,170,600 | 976 |
| Average earning assets | $938,811,800 | 965 |
| Average equity | $82,615,200 | 1,107 |
| Average total loans | $715,755,200 | 935 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0623% | 1,705 |
| Cost of funding earning assets | 1.8475% | 935 |
| Net interest margin | 3.2148% | 2,883 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.4682% | 2,322 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7831% | 3,077 |
| Return on assets (ROA) | 0.7702% | 3,102 |
| Pretax return on assets | 0.9345% | 3,021 |
| Return on Equity (ROE) | 9.4500% | 2,813 |
| Retained earnings to average equity (ytd only) | 3.9389% | 3,272 |
| Net charge-offs to loans | -0.0019% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.0613% | 1,561 |
| Assets per employee ($millions) | 6.3725% | 2,429 |
| Cash dividends to net income (ytd only)* | 58.3175% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 1,282 |
| Loan loss allowance to noncurrent loans | 2,089.3281% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,312 |
| Noncurrent loans to loans | 0.0690% | 3,267 |
| Net loans and leases to total assets | 70.9300% | 1,711 |
| Net loans and leases to deposits | 84.2318% | 1,722 |
| Net loans and leases to core deposits | 96.6318% | 1,521 |
| Total domestic deposits to total assets | 84.2100% | 2,713 |
| Equity capital to assets | 7.9538% | 3,081 |
| Core capital (leverage) ratio | 9.8577% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5091% | 2,072 |
| Memoranda: | ||
| Average total assets | $1,000,100,000 | 986 |
| Average earning assets | $927,059,500 | 974 |
| Average equity | $81,508,750 | 1,114 |
| Average total loans | $699,418,750 | 954 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9312% | 1,689 |
| Cost of funding earning assets | 1.6406% | 982 |
| Net interest margin | 3.2907% | 2,775 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.4388% | 2,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8223% | 3,013 |
| Return on assets (ROA) | 0.8223% | 3,021 |
| Pretax return on assets | 1.0022% | 2,906 |
| Return on Equity (ROE) | 10.0100% | 2,694 |
| Retained earnings to average equity (ytd only) | 1.7539% | 3,766 |
| Net charge-offs to loans | 0.0015% | 2,345 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 995.8000% | 150 |
| Efficiency ratio | 70.8745% | 1,683 |
| Assets per employee ($millions) | 6.3321% | 2,446 |
| Cash dividends to net income (ytd only)* | 82.4725% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 1,177 |
| Loan loss allowance to noncurrent loans | 11,546.1538% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 3,758 |
| Noncurrent loans to loans | 0.0130% | 3,686 |
| Net loans and leases to total assets | 68.5100% | 1,913 |
| Net loans and leases to deposits | 77.7336% | 2,157 |
| Net loans and leases to core deposits | 86.3406% | 2,046 |
| Total domestic deposits to total assets | 88.1400% | 1,555 |
| Equity capital to assets | 8.1595% | 3,107 |
| Core capital (leverage) ratio | 9.7854% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5380% | 2,080 |
| Memoranda: | ||
| Average total assets | $993,602,000 | 982 |
| Average earning assets | $921,879,667 | 969 |
| Average equity | $81,646,333 | 1,107 |
| Average total loans | $687,975,000 | 956 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7859% | 1,658 |
| Cost of funding earning assets | 1.4672% | 903 |
| Net interest margin | 3.3187% | 2,836 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.4811% | 2,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8113% | 3,159 |
| Return on assets (ROA) | 0.8113% | 3,110 |
| Pretax return on assets | 0.9876% | 3,030 |
| Return on Equity (ROE) | 9.8400% | 2,834 |
| Retained earnings to average equity (ytd only) | -6.7179% | 4,391 |
| Net charge-offs to loans | 0.0018% | 1,977 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 812.3333% | 134 |
| Efficiency ratio | 71.5270% | 1,576 |
| Assets per employee ($millions) | 6.4360% | 2,378 |
| Cash dividends to net income (ytd only)* | 168.2817% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5537% | 1,107 |
| Loan loss allowance to noncurrent loans | 8,905.9322% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 3,677 |
| Noncurrent loans to loans | 0.0174% | 3,669 |
| Net loans and leases to total assets | 67.6200% | 1,882 |
| Net loans and leases to deposits | 75.2419% | 2,184 |
| Net loans and leases to core deposits | 82.9595% | 2,064 |
| Total domestic deposits to total assets | 89.8700% | 1,205 |
| Equity capital to assets | 8.1950% | 3,113 |
| Core capital (leverage) ratio | 9.6900% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6428% | 2,119 |
| Memoranda: | ||
| Average total assets | $986,999,500 | 1,002 |
| Average earning assets | $915,185,500 | 993 |
| Average equity | $81,394,500 | 1,122 |
| Average total loans | $681,819,000 | 979 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 1,594 |
| Cost of funding earning assets | 0.6006% | 901 |
| Net interest margin | 3.4476% | 2,107 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.3695% | 2,517 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0777% | 2,270 |
| Return on assets (ROA) | 1.0683% | 2,246 |
| Pretax return on assets | 1.3153% | 2,034 |
| Return on Equity (ROE) | 12.0000% | 2,135 |
| Retained earnings to average equity (ytd only) | 8.2363% | 1,743 |
| Net charge-offs to loans | -0.0012% | 3,378 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.0197% | 2,486 |
| Assets per employee ($millions) | 6.5953% | 2,256 |
| Cash dividends to net income (ytd only)* | 31.3404% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 1,498 |
| Loan loss allowance to noncurrent loans | 184.2035% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 941 |
| Noncurrent loans to loans | 0.7609% | 986 |
| Net loans and leases to total assets | 68.4900% | 1,787 |
| Net loans and leases to deposits | 79.0965% | 1,836 |
| Net loans and leases to core deposits | 85.6253% | 1,779 |
| Total domestic deposits to total assets | 86.6000% | 2,536 |
| Equity capital to assets | 8.2981% | 2,856 |
| Core capital (leverage) ratio | 9.8484% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6123% | 2,122 |
| Memoranda: | ||
| Average total assets | $970,699,800 | 1,006 |
| Average earning assets | $904,936,000 | 994 |
| Average equity | $86,447,000 | 1,066 |
| Average total loans | $651,384,200 | 963 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8113% | 1,725 |
| Cost of funding earning assets | 0.4203% | 1,154 |
| Net interest margin | 3.3910% | 2,001 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.3341% | 2,528 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0693% | 2,213 |
| Return on assets (ROA) | 1.0693% | 2,172 |
| Pretax return on assets | 1.3091% | 2,015 |
| Return on Equity (ROE) | 11.8000% | 2,101 |
| Retained earnings to average equity (ytd only) | 6.8511% | 2,426 |
| Net charge-offs to loans | 0.0044% | 2,037 |
| Credit loss provision to net charge-offs | 219.0476% | 942 |
| Earnings coverage of net charge-offs (x) | 453.8571% | 345 |
| Efficiency ratio | 63.9564% | 2,561 |
| Assets per employee ($millions) | 6.4886% | 2,325 |
| Cash dividends to net income (ytd only)* | 41.9463% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 1,407 |
| Loan loss allowance to noncurrent loans | 3,019.8113% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 3,549 |
| Noncurrent loans to loans | 0.0485% | 3,528 |
| Net loans and leases to total assets | 66.8200% | 1,803 |
| Net loans and leases to deposits | 74.7608% | 1,977 |
| Net loans and leases to core deposits | 79.4079% | 1,943 |
| Total domestic deposits to total assets | 89.3800% | 1,927 |
| Equity capital to assets | 8.3996% | 2,605 |
| Core capital (leverage) ratio | 9.7143% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9935% | 2,054 |
| Memoranda: | ||
| Average total assets | $966,050,250 | 1,018 |
| Average earning assets | $902,796,750 | 999 |
| Average equity | $87,535,500 | 1,070 |
| Average total loans | $642,420,250 | 975 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6053% | 1,834 |
| Cost of funding earning assets | 0.3097% | 1,627 |
| Net interest margin | 3.2956% | 1,923 |
| Noninterest income to average assets | 0.4343% | 2,545 |
| Noninterest expense to average assets | 2.3208% | 2,493 |
| Loan and lease loss provision to assets | 0.0095% | 2,420 |
| Net operating income to assets | 0.9718% | 2,253 |
| Return on assets (ROA) | 0.9718% | 2,230 |
| Pretax return on assets | 1.1889% | 2,113 |
| Return on Equity (ROE) | 10.4702% | 2,174 |
| Retained earnings to average equity (ytd only) | 3.2194% | 3,380 |
| Net charge-offs to loans | 0.0082% | 1,690 |
| Credit loss provision to net charge-offs | 176.9231% | 1,027 |
| Earnings coverage of net charge-offs (x) | 222.5769% | 511 |
| Efficiency ratio | 65.9468% | 2,518 |
| Assets per employee ($millions) | 6.6336% | 2,222 |
| Cash dividends to net income (ytd only)* | 69.2521% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,436 |
| Loan loss allowance to noncurrent loans | 2,290.6921% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 3,517 |
| Noncurrent loans to loans | 0.0651% | 3,471 |
| Net loans and leases to total assets | 65.4838% | 1,760 |
| Net loans and leases to deposits | 74.2249% | 1,846 |
| Net loans and leases to core deposits | 78.6364% | 1,808 |
| Total domestic deposits to total assets | 88.2235% | 2,490 |
| Equity capital to assets | 8.2259% | 2,960 |
| Core capital (leverage) ratio | 9.5221% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7241% | 2,194 |
| Memoranda: | ||
| Average total assets | $965,801,667 | 1,013 |
| Average earning assets | $904,058,667 | 1,004 |
| Average equity | $89,645,000 | 1,055 |
| Average total loans | $638,028,667 | 972 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4833% | 1,860 |
| Cost of funding earning assets | 0.2637% | 1,995 |
| Net interest margin | 3.2196% | 1,817 |
| Noninterest income to average assets | 0.4396% | 2,446 |
| Noninterest expense to average assets | 2.3271% | 2,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9220% | 2,195 |
| Return on assets (ROA) | 0.9220% | 2,185 |
| Pretax return on assets | 1.1306% | 2,049 |
| Return on Equity (ROE) | 9.3962% | 2,184 |
| Retained earnings to average equity (ytd only) | -3.0729% | 4,315 |
| Net charge-offs to loans | -0.0057% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3024% | 2,593 |
| Assets per employee ($millions) | 6.6567% | 2,259 |
| Cash dividends to net income (ytd only)* | 132.7036% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,495 |
| Loan loss allowance to noncurrent loans | 1,687.8521% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 3,434 |
| Noncurrent loans to loans | 0.0901% | 3,389 |
| Net loans and leases to total assets | 64.3233% | 1,586 |
| Net loans and leases to deposits | 74.6174% | 1,554 |
| Net loans and leases to core deposits | 78.6133% | 1,568 |
| Total domestic deposits to total assets | 86.2041% | 3,192 |
| Equity capital to assets | 9.4423% | 2,329 |
| Core capital (leverage) ratio | 9.6512% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9483% | 2,233 |
| Memoranda: | ||
| Average total assets | $964,453,000 | 1,014 |
| Average earning assets | $904,090,500 | 1,010 |
| Average equity | $94,633,500 | 1,028 |
| Average total loans | $635,139,000 | 968 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 1,298 |
| Cost of funding earning assets | 0.3673% | 1,787 |
| Net interest margin | 3.6596% | 1,319 |
| Noninterest income to average assets | 0.6015% | 2,148 |
| Noninterest expense to average assets | 2.3081% | 2,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3946% | 1,294 |
| Return on assets (ROA) | 1.4117% | 1,303 |
| Pretax return on assets | 1.7492% | 1,027 |
| Return on Equity (ROE) | 13.9766% | 1,199 |
| Retained earnings to average equity (ytd only) | 11.3952% | 633 |
| Net charge-offs to loans | -0.0083% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1855% | 3,557 |
| Assets per employee ($millions) | 6.5114% | 2,326 |
| Cash dividends to net income (ytd only)* | 18.4696% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 1,570 |
| Loan loss allowance to noncurrent loans | 1,349.0141% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 3,408 |
| Noncurrent loans to loans | 0.1110% | 3,374 |
| Net loans and leases to total assets | 65.4001% | 1,545 |
| Net loans and leases to deposits | 76.5830% | 1,524 |
| Net loans and leases to core deposits | 81.1652% | 1,507 |
| Total domestic deposits to total assets | 85.3978% | 3,135 |
| Equity capital to assets | 10.1825% | 2,485 |
| Core capital (leverage) ratio | 9.9403% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9763% | 2,257 |
| Memoranda: | ||
| Average total assets | $922,017,400 | 1,025 |
| Average earning assets | $865,344,400 | 1,015 |
| Average equity | $93,127,200 | 1,070 |
| Average total loans | $612,838,200 | 990 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 1,103 |
| Cost of funding earning assets | 0.4000% | 1,696 |
| Net interest margin | 3.8037% | 1,111 |
| Noninterest income to average assets | 0.5913% | 2,245 |
| Noninterest expense to average assets | 2.2170% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5691% | 1,105 |
| Return on assets (ROA) | 1.5922% | 1,097 |
| Pretax return on assets | 1.9742% | 835 |
| Return on Equity (ROE) | 15.7975% | 991 |
| Retained earnings to average equity (ytd only) | 12.3089% | 772 |
| Net charge-offs to loans | -0.0103% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2588% | 3,897 |
| Assets per employee ($millions) | 6.4155% | 2,324 |
| Cash dividends to net income (ytd only)* | 22.0834% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 1,388 |
| Loan loss allowance to noncurrent loans | 1,081.8079% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 3,444 |
| Noncurrent loans to loans | 0.1461% | 3,387 |
| Net loans and leases to total assets | 63.6510% | 1,816 |
| Net loans and leases to deposits | 74.6923% | 1,790 |
| Net loans and leases to core deposits | 78.8140% | 1,831 |
| Total domestic deposits to total assets | 85.2176% | 3,041 |
| Equity capital to assets | 10.2775% | 2,633 |
| Core capital (leverage) ratio | 9.9744% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4838% | 2,174 |
| Memoranda: | ||
| Average total assets | $911,599,500 | 1,047 |
| Average earning assets | $855,914,500 | 1,036 |
| Average equity | $91,877,000 | 1,096 |
| Average total loans | $606,089,750 | 1,020 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5577% | 666 |
| Cost of funding earning assets | 0.4450% | 1,556 |
| Net interest margin | 4.1127% | 674 |
| Noninterest income to average assets | 0.5631% | 2,359 |
| Noninterest expense to average assets | 2.1739% | 3,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8130% | 696 |
| Return on assets (ROA) | 1.8476% | 679 |
| Pretax return on assets | 2.2977% | 482 |
| Return on Equity (ROE) | 18.4573% | 601 |
| Retained earnings to average equity (ytd only) | 13.1395% | 692 |
| Net charge-offs to loans | 0.0036% | 2,036 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 925.6364% | 144 |
| Efficiency ratio | 49.0900% | 4,313 |
| Assets per employee ($millions) | 6.3131% | 2,317 |
| Cash dividends to net income (ytd only)* | 28.8111% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 1,449 |
| Loan loss allowance to noncurrent loans | 894.3609% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 3,434 |
| Noncurrent loans to loans | 0.1724% | 3,353 |
| Net loans and leases to total assets | 66.3787% | 1,652 |
| Net loans and leases to deposits | 78.9428% | 1,525 |
| Net loans and leases to core deposits | 84.3104% | 1,536 |
| Total domestic deposits to total assets | 84.0845% | 3,409 |
| Equity capital to assets | 10.2416% | 2,624 |
| Core capital (leverage) ratio | 9.6538% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3050% | 2,247 |
| Memoranda: | ||
| Average total assets | $903,245,667 | 1,046 |
| Average earning assets | $848,929,333 | 1,033 |
| Average equity | $90,414,333 | 1,104 |
| Average total loans | $606,197,000 | 1,024 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9095% | 407 |
| Cost of funding earning assets | 0.5110% | 1,323 |
| Net interest margin | 4.3985% | 429 |
| Noninterest income to average assets | 0.5693% | 2,330 |
| Noninterest expense to average assets | 2.1534% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0473% | 536 |
| Return on assets (ROA) | 2.0473% | 576 |
| Pretax return on assets | 2.5489% | 399 |
| Return on Equity (ROE) | 20.6973% | 488 |
| Retained earnings to average equity (ytd only) | 9.8619% | 1,694 |
| Net charge-offs to loans | -0.0087% | 3,619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7950% | 4,478 |
| Assets per employee ($millions) | 6.3885% | 2,263 |
| Cash dividends to net income (ytd only)* | 52.3519% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 1,367 |
| Loan loss allowance to noncurrent loans | 243.1193% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4337% | 2,093 |
| Noncurrent loans to loans | 0.6461% | 1,952 |
| Net loans and leases to total assets | 65.4324% | 1,877 |
| Net loans and leases to deposits | 76.4818% | 1,856 |
| Net loans and leases to core deposits | 83.2039% | 1,742 |
| Total domestic deposits to total assets | 85.5530% | 2,905 |
| Equity capital to assets | 9.7525% | 2,944 |
| Core capital (leverage) ratio | 9.4845% | 3,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2478% | 2,186 |
| Memoranda: | ||
| Average total assets | $897,169,500 | 1,042 |
| Average earning assets | $843,018,500 | 1,032 |
| Average equity | $88,746,000 | 1,107 |
| Average total loans | $600,723,000 | 1,030 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3708% | 1,667 |
| Cost of funding earning assets | 0.9398% | 739 |
| Net interest margin | 3.4310% | 2,670 |
| Noninterest income to average assets | 0.6283% | 2,105 |
| Noninterest expense to average assets | 2.1694% | 3,758 |
| Loan and lease loss provision to assets | 0.0442% | 3,849 |
| Net operating income to assets | 1.3450% | 1,135 |
| Return on assets (ROA) | 1.3450% | 1,234 |
| Pretax return on assets | 1.6561% | 941 |
| Return on Equity (ROE) | 13.7946% | 864 |
| Retained earnings to average equity (ytd only) | 8.6586% | 864 |
| Net charge-offs to loans | -0.0120% | 4,300 |
| Credit loss provision to net charge-offs | -528.1690% | 3,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0610% | 3,982 |
| Assets per employee ($millions) | 6.0743% | 2,275 |
| Cash dividends to net income (ytd only)* | 37.2317% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 1,285 |
| Loan loss allowance to noncurrent loans | 228.2463% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4782% | 2,127 |
| Noncurrent loans to loans | 0.7025% | 1,942 |
| Net loans and leases to total assets | 66.3747% | 2,039 |
| Net loans and leases to deposits | 78.2041% | 2,049 |
| Net loans and leases to core deposits | 88.1063% | 1,684 |
| Total domestic deposits to total assets | 84.8736% | 2,815 |
| Equity capital to assets | 10.0362% | 3,099 |
| Core capital (leverage) ratio | 9.4717% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7967% | 2,314 |
| Memoranda: | ||
| Average total assets | $848,686,800 | 1,012 |
| Average earning assets | $801,779,000 | 999 |
| Average equity | $82,749,800 | 1,121 |
| Average total loans | $592,563,600 | 992 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 1,483 |
| Cost of funding earning assets | 1.0183% | 715 |
| Net interest margin | 3.5223% | 2,514 |
| Noninterest income to average assets | 0.6054% | 2,153 |
| Noninterest expense to average assets | 2.1311% | 3,872 |
| Loan and lease loss provision to assets | 0.0595% | 3,603 |
| Net operating income to assets | 1.4096% | 1,079 |
| Return on assets (ROA) | 1.4096% | 1,172 |
| Pretax return on assets | 1.7487% | 874 |
| Return on Equity (ROE) | 14.5693% | 777 |
| Retained earnings to average equity (ytd only) | 7.6027% | 1,460 |
| Net charge-offs to loans | -0.0135% | 4,303 |
| Credit loss provision to net charge-offs | -625.0000% | 3,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0986% | 4,136 |
| Assets per employee ($millions) | 6.0493% | 2,223 |
| Cash dividends to net income (ytd only)* | 47.8173% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 1,140 |
| Loan loss allowance to noncurrent loans | 213.6027% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 2,171 |
| Noncurrent loans to loans | 0.7429% | 1,950 |
| Net loans and leases to total assets | 66.8237% | 2,408 |
| Net loans and leases to deposits | 78.5047% | 2,478 |
| Net loans and leases to core deposits | 87.4545% | 2,194 |
| Total domestic deposits to total assets | 85.1207% | 2,386 |
| Equity capital to assets | 9.6912% | 3,523 |
| Core capital (leverage) ratio | 9.1973% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8182% | 2,280 |
| Memoranda: | ||
| Average total assets | $840,663,500 | 1,004 |
| Average earning assets | $795,706,750 | 993 |
| Average equity | $81,338,000 | 1,127 |
| Average total loans | $592,169,000 | 985 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8663% | 1,026 |
| Cost of funding earning assets | 1.0979% | 721 |
| Net interest margin | 3.7684% | 1,924 |
| Noninterest income to average assets | 0.5633% | 2,290 |
| Noninterest expense to average assets | 2.1508% | 3,928 |
| Loan and lease loss provision to assets | 0.0544% | 3,621 |
| Net operating income to assets | 1.5475% | 849 |
| Return on assets (ROA) | 1.5475% | 923 |
| Pretax return on assets | 1.9272% | 643 |
| Return on Equity (ROE) | 16.0035% | 563 |
| Retained earnings to average equity (ytd only) | 10.3729% | 719 |
| Net charge-offs to loans | -0.0014% | 3,777 |
| Credit loss provision to net charge-offs | -5,625.0000% | 4,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0466% | 4,350 |
| Assets per employee ($millions) | 6.0964% | 2,095 |
| Cash dividends to net income (ytd only)* | 35.1837% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 1,151 |
| Loan loss allowance to noncurrent loans | 185.9026% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5788% | 2,077 |
| Noncurrent loans to loans | 0.8281% | 1,844 |
| Net loans and leases to total assets | 68.3006% | 2,302 |
| Net loans and leases to deposits | 80.4590% | 2,375 |
| Net loans and leases to core deposits | 88.1385% | 2,230 |
| Total domestic deposits to total assets | 84.8887% | 2,440 |
| Equity capital to assets | 9.6869% | 3,496 |
| Core capital (leverage) ratio | 9.2979% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9047% | 2,220 |
| Memoranda: | ||
| Average total assets | $826,487,333 | 1,005 |
| Average earning assets | $782,773,000 | 989 |
| Average equity | $79,920,000 | 1,142 |
| Average total loans | $589,659,333 | 974 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7547% | 1,545 |
| Cost of funding earning assets | 1.2467% | 662 |
| Net interest margin | 3.5081% | 2,951 |
| Noninterest income to average assets | 0.5364% | 2,354 |
| Noninterest expense to average assets | 2.2502% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2903% | 1,266 |
| Return on assets (ROA) | 1.2903% | 1,362 |
| Pretax return on assets | 1.6063% | 1,036 |
| Return on Equity (ROE) | 13.3564% | 812 |
| Retained earnings to average equity (ytd only) | 1.7668% | 3,526 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3484% | 3,956 |
| Assets per employee ($millions) | 5.6977% | 1,925 |
| Cash dividends to net income (ytd only)* | 86.7721% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5741% | 1,138 |
| Loan loss allowance to noncurrent loans | 815.1706% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 3,926 |
| Noncurrent loans to loans | 0.1931% | 3,786 |
| Net loans and leases to total assets | 70.6782% | 2,140 |
| Net loans and leases to deposits | 82.4741% | 2,389 |
| Net loans and leases to core deposits | 90.5546% | 2,289 |
| Total domestic deposits to total assets | 85.6974% | 2,130 |
| Equity capital to assets | 9.5838% | 4,146 |
| Core capital (leverage) ratio | 9.4372% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3128% | 2,567 |
| Memoranda: | ||
| Average total assets | $803,836,000 | 999 |
| Average earning assets | $760,758,000 | 982 |
| Average equity | $77,655,500 | 1,167 |
| Average total loans | $582,115,000 | 963 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0964% | 1,221 |
| Cost of funding earning assets | 1.4347% | 493 |
| Net interest margin | 3.6617% | 2,921 |
| Noninterest income to average assets | 0.5701% | 2,368 |
| Noninterest expense to average assets | 2.1980% | 4,165 |
| Loan and lease loss provision to assets | 0.0251% | 3,514 |
| Net operating income to assets | 1.4522% | 1,179 |
| Return on assets (ROA) | 1.4510% | 1,245 |
| Pretax return on assets | 1.8142% | 901 |
| Return on Equity (ROE) | 15.0571% | 682 |
| Retained earnings to average equity (ytd only) | 6.8110% | 1,477 |
| Net charge-offs to loans | 0.0118% | 3,263 |
| Credit loss provision to net charge-offs | 288.2353% | 971 |
| Earnings coverage of net charge-offs (x) | 211.2206% | 382 |
| Efficiency ratio | 54.4205% | 4,387 |
| Assets per employee ($millions) | 5.7450% | 1,843 |
| Cash dividends to net income (ytd only)* | 54.7655% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5461% | 1,100 |
| Loan loss allowance to noncurrent loans | 1,243.9726% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,145 |
| Noncurrent loans to loans | 0.1243% | 4,030 |
| Net loans and leases to total assets | 71.8960% | 2,109 |
| Net loans and leases to deposits | 84.6048% | 2,263 |
| Net loans and leases to core deposits | 93.0962% | 2,150 |
| Total domestic deposits to total assets | 84.9786% | 2,503 |
| Equity capital to assets | 9.7373% | 4,163 |
| Core capital (leverage) ratio | 9.5505% | 4,011 |
| Tier 1 risk-based capital ratio | 11.8860% | 4,431 |
| Total risk-based capital ratio | 13.1382% | 4,299 |
| Memoranda: | ||
| Average total assets | $780,216,400 | 995 |
| Average earning assets | $739,110,200 | 972 |
| Average equity | $75,187,000 | 1,147 |
| Average total loans | $574,237,200 | 947 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1522% | 1,148 |
| Cost of funding earning assets | 1.4683% | 455 |
| Net interest margin | 3.6839% | 2,973 |
| Noninterest income to average assets | 0.5561% | 2,428 |
| Noninterest expense to average assets | 2.1551% | 4,264 |
| Loan and lease loss provision to assets | 0.0079% | 3,727 |
| Net operating income to assets | 1.5060% | 1,171 |
| Return on assets (ROA) | 1.5043% | 1,230 |
| Pretax return on assets | 1.8847% | 896 |
| Return on Equity (ROE) | 15.6528% | 663 |
| Retained earnings to average equity (ytd only) | 4.5426% | 3,125 |
| Net charge-offs to loans | 0.0161% | 2,829 |
| Credit loss provision to net charge-offs | 66.6667% | 2,651 |
| Earnings coverage of net charge-offs (x) | 159.4453% | 520 |
| Efficiency ratio | 53.2148% | 4,474 |
| Assets per employee ($millions) | 5.7112% | 1,841 |
| Cash dividends to net income (ytd only)* | 70.9788% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5591% | 1,091 |
| Loan loss allowance to noncurrent loans | 1,069.4611% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 4,161 |
| Noncurrent loans to loans | 0.1458% | 4,017 |
| Net loans and leases to total assets | 71.5412% | 2,245 |
| Net loans and leases to deposits | 82.9307% | 2,577 |
| Net loans and leases to core deposits | 91.2832% | 2,439 |
| Total domestic deposits to total assets | 86.2663% | 1,879 |
| Equity capital to assets | 9.6301% | 4,355 |
| Core capital (leverage) ratio | 9.1609% | 4,508 |
| Tier 1 risk-based capital ratio | 11.8252% | 4,505 |
| Total risk-based capital ratio | 13.0777% | 4,390 |
| Memoranda: | ||
| Average total assets | $774,196,000 | 1,001 |
| Average earning assets | $734,237,250 | 977 |
| Average equity | $74,404,500 | 1,157 |
| Average total loans | $570,961,750 | 952 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0977% | 1,225 |
| Cost of funding earning assets | 1.4572% | 438 |
| Net interest margin | 3.6405% | 3,132 |
| Noninterest income to average assets | 0.4800% | 2,781 |
| Noninterest expense to average assets | 2.1670% | 4,303 |
| Loan and lease loss provision to assets | 0.0120% | 3,519 |
| Net operating income to assets | 1.4038% | 1,428 |
| Return on assets (ROA) | 1.4013% | 1,488 |
| Pretax return on assets | 1.7548% | 1,161 |
| Return on Equity (ROE) | 14.5914% | 853 |
| Retained earnings to average equity (ytd only) | 3.7669% | 3,371 |
| Net charge-offs to loans | 0.0196% | 2,473 |
| Credit loss provision to net charge-offs | 82.1429% | 2,206 |
| Earnings coverage of net charge-offs (x) | 121.6071% | 600 |
| Efficiency ratio | 55.0436% | 4,362 |
| Assets per employee ($millions) | 5.7803% | 1,711 |
| Cash dividends to net income (ytd only)* | 74.1840% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 1,218 |
| Loan loss allowance to noncurrent loans | 837.2659% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 4,058 |
| Noncurrent loans to loans | 0.1812% | 3,912 |
| Net loans and leases to total assets | 73.8487% | 1,916 |
| Net loans and leases to deposits | 85.9552% | 2,260 |
| Net loans and leases to core deposits | 98.4268% | 1,855 |
| Total domestic deposits to total assets | 85.9154% | 2,078 |
| Equity capital to assets | 9.5095% | 4,393 |
| Core capital (leverage) ratio | 9.3437% | 4,313 |
| Tier 1 risk-based capital ratio | 11.4533% | 4,708 |
| Total risk-based capital ratio | 12.7056% | 4,600 |
| Memoranda: | ||
| Average total assets | $769,545,670 | 1,004 |
| Average earning assets | $730,719,000 | 986 |
| Average equity | $73,906,330 | 1,155 |
| Average total loans | $570,355,670 | 948 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0230% | 1,284 |
| Cost of funding earning assets | 1.4234% | 421 |
| Net interest margin | 3.5996% | 3,249 |
| Noninterest income to average assets | 0.4198% | 3,057 |
| Noninterest expense to average assets | 2.1654% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3323% | 1,589 |
| Return on assets (ROA) | 1.3273% | 1,645 |
| Pretax return on assets | 1.6604% | 1,309 |
| Return on Equity (ROE) | 13.7504% | 1,022 |
| Retained earnings to average equity (ytd only) | 13.7504% | 375 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5062% | 4,268 |
| Assets per employee ($millions) | 5.6460% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 1,072 |
| Loan loss allowance to noncurrent loans | 219.8674% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 2,386 |
| Noncurrent loans to loans | 0.7256% | 2,209 |
| Net loans and leases to total assets | 72.4520% | 2,085 |
| Net loans and leases to deposits | 82.5322% | 2,557 |
| Net loans and leases to core deposits | 92.1796% | 2,284 |
| Total domestic deposits to total assets | 87.7863% | 1,445 |
| Equity capital to assets | 9.8685% | 3,947 |
| Core capital (leverage) ratio | 9.7176% | 3,898 |
| Tier 1 risk-based capital ratio | 12.1468% | 4,384 |
| Total risk-based capital ratio | 13.3998% | 4,259 |
| Memoranda: | ||
| Average total assets | $761,257,000 | 1,013 |
| Average earning assets | $721,636,500 | 993 |
| Average equity | $73,481,500 | 1,156 |
| Average total loans | $560,791,500 | 965 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 1,405 |
| Cost of funding earning assets | 1.0283% | 671 |
| Net interest margin | 3.8269% | 2,571 |
| Noninterest income to average assets | 0.5606% | 2,488 |
| Noninterest expense to average assets | 2.3024% | 4,117 |
| Loan and lease loss provision to assets | 0.0595% | 2,977 |
| Net operating income to assets | 1.4503% | 1,274 |
| Return on assets (ROA) | 1.4564% | 1,241 |
| Pretax return on assets | 1.8217% | 867 |
| Return on Equity (ROE) | 12.7865% | 1,431 |
| Retained earnings to average equity (ytd only) | -12.3355% | 5,341 |
| Net charge-offs to loans | 0.0167% | 3,131 |
| Credit loss provision to net charge-offs | 468.1319% | 732 |
| Earnings coverage of net charge-offs (x) | 147.4945% | 571 |
| Efficiency ratio | 55.1359% | 4,503 |
| Assets per employee ($millions) | 5.5905% | 1,874 |
| Cash dividends to net income (ytd only)* | 196.4731% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 1,039 |
| Loan loss allowance to noncurrent loans | 755.5274% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 3,886 |
| Noncurrent loans to loans | 0.2115% | 3,819 |
| Net loans and leases to total assets | 72.5289% | 2,175 |
| Net loans and leases to deposits | 82.2335% | 2,705 |
| Net loans and leases to core deposits | 91.5928% | 2,444 |
| Total domestic deposits to total assets | 88.1988% | 1,213 |
| Equity capital to assets | 9.4363% | 4,182 |
| Core capital (leverage) ratio | 9.6740% | 3,928 |
| Tier 1 risk-based capital ratio | 11.6584% | 4,639 |
| Total risk-based capital ratio | 12.9113% | 4,529 |
| Memoranda: | ||
| Average total assets | $716,423,600 | 1,042 |
| Average earning assets | $676,813,400 | 1,019 |
| Average equity | $81,601,600 | 1,011 |
| Average total loans | $545,221,000 | 959 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8397% | 1,320 |
| Cost of funding earning assets | 0.9407% | 774 |
| Net interest margin | 3.8991% | 2,307 |
| Noninterest income to average assets | 0.5266% | 2,705 |
| Noninterest expense to average assets | 2.3219% | 4,049 |
| Loan and lease loss provision to assets | 0.0805% | 2,342 |
| Net operating income to assets | 1.4470% | 1,337 |
| Return on assets (ROA) | 1.4555% | 1,308 |
| Pretax return on assets | 1.8199% | 967 |
| Return on Equity (ROE) | 12.2139% | 1,718 |
| Retained earnings to average equity (ytd only) | 9.0419% | 1,202 |
| Net charge-offs to loans | 0.0254% | 2,614 |
| Credit loss provision to net charge-offs | 413.5922% | 806 |
| Earnings coverage of net charge-offs (x) | 97.0776% | 771 |
| Efficiency ratio | 55.1292% | 4,493 |
| Assets per employee ($millions) | 5.4249% | 1,990 |
| Cash dividends to net income (ytd only)* | 25.9707% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 954 |
| Loan loss allowance to noncurrent loans | 620.0416% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 3,931 |
| Noncurrent loans to loans | 0.2670% | 3,730 |
| Net loans and leases to total assets | 72.5121% | 2,248 |
| Net loans and leases to deposits | 84.7094% | 2,515 |
| Net loans and leases to core deposits | 96.6141% | 2,058 |
| Total domestic deposits to total assets | 85.6010% | 2,359 |
| Equity capital to assets | 11.9016% | 1,968 |
| Core capital (leverage) ratio | 12.1493% | 1,693 |
| Tier 1 risk-based capital ratio | 15.0090% | 2,880 |
| Total risk-based capital ratio | 16.2628% | 2,800 |
| Memoranda: | ||
| Average total assets | $705,454,000 | 1,054 |
| Average earning assets | $666,743,250 | 1,032 |
| Average equity | $84,066,000 | 988 |
| Average total loans | $541,428,250 | 966 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 1,158 |
| Cost of funding earning assets | 0.8786% | 799 |
| Net interest margin | 3.9564% | 2,014 |
| Noninterest income to average assets | 0.4755% | 3,002 |
| Noninterest expense to average assets | 2.3199% | 4,100 |
| Loan and lease loss provision to assets | 0.1223% | 1,610 |
| Net operating income to assets | 1.4208% | 1,364 |
| Return on assets (ROA) | 1.4208% | 1,368 |
| Pretax return on assets | 1.7740% | 1,025 |
| Return on Equity (ROE) | 11.9180% | 1,753 |
| Retained earnings to average equity (ytd only) | 7.1007% | 2,031 |
| Net charge-offs to loans | 0.0435% | 1,993 |
| Credit loss provision to net charge-offs | 361.0169% | 882 |
| Earnings coverage of net charge-offs (x) | 55.9661% | 1,045 |
| Efficiency ratio | 55.0228% | 4,580 |
| Assets per employee ($millions) | 5.1771% | 2,214 |
| Cash dividends to net income (ytd only)* | 40.4204% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 1,045 |
| Loan loss allowance to noncurrent loans | 708.4127% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 4,052 |
| Noncurrent loans to loans | 0.2293% | 3,895 |
| Net loans and leases to total assets | 77.3374% | 1,415 |
| Net loans and leases to deposits | 92.2941% | 1,553 |
| Net loans and leases to core deposits | 104.2491% | 1,377 |
| Total domestic deposits to total assets | 83.7946% | 3,132 |
| Equity capital to assets | 12.0908% | 1,794 |
| Core capital (leverage) ratio | 11.9484% | 1,750 |
| Tier 1 risk-based capital ratio | 14.4141% | 3,155 |
| Total risk-based capital ratio | 15.6678% | 3,070 |
| Memoranda: | ||
| Average total assets | $696,487,000 | 1,066 |
| Average earning assets | $658,536,000 | 1,045 |
| Average equity | $83,034,000 | 997 |
| Average total loans | $541,908,670 | 969 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8010% | 1,081 |
| Cost of funding earning assets | 0.8431% | 790 |
| Net interest margin | 3.9578% | 1,850 |
| Noninterest income to average assets | 0.4827% | 2,917 |
| Noninterest expense to average assets | 2.3133% | 4,162 |
| Loan and lease loss provision to assets | 0.1225% | 1,541 |
| Net operating income to assets | 1.4268% | 1,262 |
| Return on assets (ROA) | 1.4268% | 1,271 |
| Pretax return on assets | 1.7817% | 947 |
| Return on Equity (ROE) | 12.0536% | 1,563 |
| Retained earnings to average equity (ytd only) | 2.3330% | 4,232 |
| Net charge-offs to loans | 0.0899% | 1,261 |
| Credit loss provision to net charge-offs | 176.0331% | 1,130 |
| Earnings coverage of net charge-offs (x) | 27.3554% | 1,299 |
| Efficiency ratio | 54.8493% | 4,703 |
| Assets per employee ($millions) | 5.2055% | 2,247 |
| Cash dividends to net income (ytd only)* | 80.6452% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 1,088 |
| Loan loss allowance to noncurrent loans | 414.1702% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 3,590 |
| Noncurrent loans to loans | 0.3943% | 3,375 |
| Net loans and leases to total assets | 76.3532% | 1,483 |
| Net loans and leases to deposits | 89.7362% | 1,719 |
| Net loans and leases to core deposits | 103.8397% | 1,384 |
| Total domestic deposits to total assets | 85.0863% | 2,902 |
| Equity capital to assets | 11.9556% | 1,820 |
| Core capital (leverage) ratio | 11.4639% | 2,040 |
| Tier 1 risk-based capital ratio | 14.2603% | 3,248 |
| Total risk-based capital ratio | 15.5138% | 3,164 |
| Memoranda: | ||
| Average total assets | $695,273,500 | 1,074 |
| Average earning assets | $656,118,500 | 1,058 |
| Average equity | $82,299,000 | 1,010 |
| Average total loans | $538,139,000 | 979 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 1,477 |
| Cost of funding earning assets | 0.7597% | 790 |
| Net interest margin | 3.8245% | 2,342 |
| Noninterest income to average assets | 0.5169% | 2,895 |
| Noninterest expense to average assets | 2.2993% | 4,330 |
| Loan and lease loss provision to assets | 0.1453% | 1,569 |
| Net operating income to assets | 1.0855% | 1,904 |
| Return on assets (ROA) | 1.0983% | 1,882 |
| Pretax return on assets | 1.7077% | 982 |
| Return on Equity (ROE) | 9.3791% | 2,150 |
| Retained earnings to average equity (ytd only) | 7.1405% | 1,027 |
| Net charge-offs to loans | 0.0170% | 3,526 |
| Credit loss provision to net charge-offs | 1,119.3182% | 325 |
| Earnings coverage of net charge-offs (x) | 141.1932% | 494 |
| Efficiency ratio | 55.6424% | 4,797 |
| Assets per employee ($millions) | 5.2105% | 2,245 |
| Cash dividends to net income (ytd only)* | 23.8684% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 1,165 |
| Loan loss allowance to noncurrent loans | 471.9606% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 3,828 |
| Noncurrent loans to loans | 0.3363% | 3,556 |
| Net loans and leases to total assets | 75.9584% | 1,604 |
| Net loans and leases to deposits | 91.5315% | 1,587 |
| Net loans and leases to core deposits | 105.8686% | 1,271 |
| Total domestic deposits to total assets | 82.9860% | 3,567 |
| Equity capital to assets | 11.7210% | 2,021 |
| Core capital (leverage) ratio | 11.3480% | 2,061 |
| Tier 1 risk-based capital ratio | 13.9343% | 3,397 |
| Total risk-based capital ratio | 15.1873% | 3,307 |
| Memoranda: | ||
| Average total assets | $677,862,200 | 1,074 |
| Average earning assets | $640,785,000 | 1,049 |
| Average equity | $79,378,200 | 1,012 |
| Average total loans | $516,134,400 | 992 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 1,473 |
| Cost of funding earning assets | 0.7162% | 899 |
| Net interest margin | 3.8444% | 2,240 |
| Noninterest income to average assets | 0.5077% | 2,986 |
| Noninterest expense to average assets | 2.2555% | 4,404 |
| Loan and lease loss provision to assets | 0.1509% | 1,383 |
| Net operating income to assets | 1.2114% | 1,644 |
| Return on assets (ROA) | 1.2303% | 1,603 |
| Pretax return on assets | 1.7694% | 961 |
| Return on Equity (ROE) | 10.5089% | 1,900 |
| Retained earnings to average equity (ytd only) | 7.4950% | 1,432 |
| Net charge-offs to loans | 0.0173% | 3,162 |
| Credit loss provision to net charge-offs | 1,151.5152% | 317 |
| Earnings coverage of net charge-offs (x) | 144.4661% | 553 |
| Efficiency ratio | 54.3649% | 4,909 |
| Assets per employee ($millions) | 4.9669% | 2,496 |
| Cash dividends to net income (ytd only)* | 28.6797% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 1,235 |
| Loan loss allowance to noncurrent loans | 212.3391% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 2,751 |
| Noncurrent loans to loans | 0.7547% | 2,476 |
| Net loans and leases to total assets | 75.9302% | 1,599 |
| Net loans and leases to deposits | 90.6331% | 1,734 |
| Net loans and leases to core deposits | 106.6588% | 1,227 |
| Total domestic deposits to total assets | 83.7776% | 3,198 |
| Equity capital to assets | 11.9801% | 1,978 |
| Core capital (leverage) ratio | 11.4366% | 2,064 |
| Tier 1 risk-based capital ratio | 14.0631% | 3,414 |
| Total risk-based capital ratio | 15.3162% | 3,326 |
| Memoranda: | ||
| Average total assets | $671,472,250 | 1,093 |
| Average earning assets | $635,959,750 | 1,064 |
| Average equity | $78,610,750 | 1,026 |
| Average total loans | $509,436,500 | 1,004 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 1,545 |
| Cost of funding earning assets | 0.6829% | 975 |
| Net interest margin | 3.8060% | 2,266 |
| Noninterest income to average assets | 0.4721% | 3,207 |
| Noninterest expense to average assets | 2.2352% | 4,487 |
| Loan and lease loss provision to assets | 0.1601% | 1,243 |
| Net operating income to assets | 1.1697% | 1,702 |
| Return on assets (ROA) | 1.1896% | 1,664 |
| Pretax return on assets | 1.7105% | 1,032 |
| Return on Equity (ROE) | 10.2421% | 1,940 |
| Retained earnings to average equity (ytd only) | 5.6646% | 2,315 |
| Net charge-offs to loans | 0.0401% | 2,398 |
| Credit loss provision to net charge-offs | 529.7030% | 629 |
| Earnings coverage of net charge-offs (x) | 60.9604% | 943 |
| Efficiency ratio | 54.8210% | 4,941 |
| Assets per employee ($millions) | 5.1489% | 2,211 |
| Cash dividends to net income (ytd only)* | 44.6932% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 1,318 |
| Loan loss allowance to noncurrent loans | 207.8766% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 2,812 |
| Noncurrent loans to loans | 0.7595% | 2,494 |
| Net loans and leases to total assets | 75.3664% | 1,633 |
| Net loans and leases to deposits | 90.4437% | 1,671 |
| Net loans and leases to core deposits | 105.0156% | 1,292 |
| Total domestic deposits to total assets | 83.3296% | 3,458 |
| Equity capital to assets | 11.7463% | 2,118 |
| Core capital (leverage) ratio | 11.1669% | 2,261 |
| Tier 1 risk-based capital ratio | 13.8768% | 3,486 |
| Total risk-based capital ratio | 15.1296% | 3,411 |
| Memoranda: | ||
| Average total assets | $668,473,670 | 1,100 |
| Average earning assets | $633,208,000 | 1,069 |
| Average equity | $77,640,670 | 1,040 |
| Average total loans | $504,216,670 | 1,015 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 1,737 |
| Cost of funding earning assets | 0.6505% | 1,074 |
| Net interest margin | 3.7238% | 2,405 |
| Noninterest income to average assets | 0.4731% | 3,170 |
| Noninterest expense to average assets | 2.2264% | 4,579 |
| Loan and lease loss provision to assets | 0.1076% | 1,777 |
| Net operating income to assets | 1.1622% | 1,621 |
| Return on assets (ROA) | 1.2022% | 1,538 |
| Pretax return on assets | 1.7197% | 965 |
| Return on Equity (ROE) | 10.4104% | 1,776 |
| Retained earnings to average equity (ytd only) | 1.1608% | 4,601 |
| Net charge-offs to loans | -0.0209% | 4,770 |
| Credit loss provision to net charge-offs | -688.4615% | 4,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7076% | 4,964 |
| Assets per employee ($millions) | 5.2760% | 2,104 |
| Cash dividends to net income (ytd only)* | 88.8500% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 1,437 |
| Loan loss allowance to noncurrent loans | 306.2983% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 3,648 |
| Noncurrent loans to loans | 0.5147% | 3,272 |
| Net loans and leases to total assets | 74.4514% | 1,670 |
| Net loans and leases to deposits | 88.4276% | 1,738 |
| Net loans and leases to core deposits | 101.9497% | 1,372 |
| Total domestic deposits to total assets | 84.1947% | 3,398 |
| Equity capital to assets | 11.5706% | 2,136 |
| Core capital (leverage) ratio | 11.0395% | 2,321 |
| Tier 1 risk-based capital ratio | 13.8285% | 3,587 |
| Total risk-based capital ratio | 15.0812% | 3,493 |
| Memoranda: | ||
| Average total assets | $665,459,500 | 1,105 |
| Average earning assets | $629,679,500 | 1,076 |
| Average equity | $76,846,500 | 1,045 |
| Average total loans | $498,073,500 | 1,020 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2895% | 2,174 |
| Cost of funding earning assets | 0.6029% | 1,310 |
| Net interest margin | 3.6867% | 2,754 |
| Noninterest income to average assets | 0.5101% | 3,172 |
| Noninterest expense to average assets | 2.2452% | 4,665 |
| Loan and lease loss provision to assets | 0.0906% | 2,547 |
| Net operating income to assets | 1.1564% | 1,668 |
| Return on assets (ROA) | 1.1735% | 1,692 |
| Pretax return on assets | 1.6906% | 1,024 |
| Return on Equity (ROE) | 10.4962% | 1,767 |
| Retained earnings to average equity (ytd only) | 7.7871% | 925 |
| Net charge-offs to loans | 0.0576% | 2,897 |
| Credit loss provision to net charge-offs | 212.0141% | 1,344 |
| Earnings coverage of net charge-offs (x) | 41.0989% | 1,158 |
| Efficiency ratio | 56.1094% | 5,058 |
| Assets per employee ($millions) | 5.3292% | 2,029 |
| Cash dividends to net income (ytd only)* | 25.8106% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 1,453 |
| Loan loss allowance to noncurrent loans | 338.9377% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3513% | 3,878 |
| Noncurrent loans to loans | 0.4618% | 3,504 |
| Net loans and leases to total assets | 72.8919% | 2,024 |
| Net loans and leases to deposits | 87.9944% | 1,927 |
| Net loans and leases to core deposits | 102.2091% | 1,435 |
| Total domestic deposits to total assets | 82.8370% | 3,822 |
| Equity capital to assets | 11.5252% | 2,144 |
| Core capital (leverage) ratio | 10.9930% | 2,342 |
| Tier 1 risk-based capital ratio | 13.8487% | 3,547 |
| Total risk-based capital ratio | 15.1009% | 3,458 |
| Memoranda: | ||
| Average total assets | $662,265,400 | 1,071 |
| Average earning assets | $627,177,400 | 1,038 |
| Average equity | $74,045,600 | 1,072 |
| Average total loans | $491,547,000 | 989 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2967% | 2,172 |
| Cost of funding earning assets | 0.5863% | 1,440 |
| Net interest margin | 3.7104% | 2,677 |
| Noninterest income to average assets | 0.4732% | 3,413 |
| Noninterest expense to average assets | 2.2247% | 4,702 |
| Loan and lease loss provision to assets | 0.0907% | 2,412 |
| Net operating income to assets | 1.1638% | 1,756 |
| Return on assets (ROA) | 1.1867% | 1,783 |
| Pretax return on assets | 1.7101% | 1,088 |
| Return on Equity (ROE) | 10.6972% | 1,789 |
| Retained earnings to average equity (ytd only) | 7.0515% | 1,602 |
| Net charge-offs to loans | 0.0092% | 3,605 |
| Credit loss provision to net charge-offs | 1,323.5294% | 322 |
| Earnings coverage of net charge-offs (x) | 257.8654% | 314 |
| Efficiency ratio | 55.7245% | 5,088 |
| Assets per employee ($millions) | 5.2034% | 2,142 |
| Cash dividends to net income (ytd only)* | 34.0809% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 1,540 |
| Loan loss allowance to noncurrent loans | 418.4056% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 4,266 |
| Noncurrent loans to loans | 0.3773% | 3,913 |
| Net loans and leases to total assets | 73.1980% | 1,996 |
| Net loans and leases to deposits | 90.0898% | 1,741 |
| Net loans and leases to core deposits | 103.5114% | 1,378 |
| Total domestic deposits to total assets | 81.2500% | 4,181 |
| Equity capital to assets | 11.3813% | 2,620 |
| Core capital (leverage) ratio | 10.8677% | 2,606 |
| Tier 1 risk-based capital ratio | 13.4743% | 3,876 |
| Total risk-based capital ratio | 14.7267% | 3,786 |
| Memoranda: | ||
| Average total assets | $661,295,000 | 1,072 |
| Average earning assets | $627,188,750 | 1,039 |
| Average equity | $73,363,250 | 1,085 |
| Average total loans | $491,111,750 | 992 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3002% | 2,155 |
| Cost of funding earning assets | 0.5781% | 1,479 |
| Net interest margin | 3.7221% | 2,609 |
| Noninterest income to average assets | 0.4202% | 3,740 |
| Noninterest expense to average assets | 2.1858% | 4,873 |
| Loan and lease loss provision to assets | 0.0909% | 2,328 |
| Net operating income to assets | 1.1669% | 1,715 |
| Return on assets (ROA) | 1.1669% | 1,814 |
| Pretax return on assets | 1.6783% | 1,150 |
| Return on Equity (ROE) | 10.6106% | 1,801 |
| Retained earnings to average equity (ytd only) | 5.0806% | 2,677 |
| Net charge-offs to loans | 0.0057% | 3,498 |
| Credit loss provision to net charge-offs | 2,142.8571% | 194 |
| Earnings coverage of net charge-offs (x) | 416.8571% | 163 |
| Efficiency ratio | 55.2660% | 5,217 |
| Assets per employee ($millions) | 5.2954% | 1,986 |
| Cash dividends to net income (ytd only)* | 52.1174% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 1,699 |
| Loan loss allowance to noncurrent loans | 434.4633% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 4,438 |
| Noncurrent loans to loans | 0.3555% | 4,095 |
| Net loans and leases to total assets | 73.4594% | 1,938 |
| Net loans and leases to deposits | 90.3507% | 1,713 |
| Net loans and leases to core deposits | 102.9838% | 1,401 |
| Total domestic deposits to total assets | 81.3047% | 4,186 |
| Equity capital to assets | 11.0998% | 2,945 |
| Core capital (leverage) ratio | 10.6280% | 2,818 |
| Tier 1 risk-based capital ratio | 13.2422% | 4,047 |
| Total risk-based capital ratio | 14.4946% | 3,967 |
| Memoranda: | ||
| Average total assets | $659,716,000 | 1,080 |
| Average earning assets | $626,526,670 | 1,044 |
| Average equity | $72,550,000 | 1,100 |
| Average total loans | $489,701,670 | 994 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3128% | 2,085 |
| Cost of funding earning assets | 0.5730% | 1,523 |
| Net interest margin | 3.7398% | 2,526 |
| Noninterest income to average assets | 0.3939% | 3,876 |
| Noninterest expense to average assets | 2.3038% | 4,654 |
| Loan and lease loss provision to assets | 0.0915% | 2,159 |
| Net operating income to assets | 1.0824% | 1,978 |
| Return on assets (ROA) | 1.0824% | 2,077 |
| Pretax return on assets | 1.5489% | 1,441 |
| Return on Equity (ROE) | 9.8893% | 2,033 |
| Retained earnings to average equity (ytd only) | -1.2870% | 5,310 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4106% | 4,951 |
| Assets per employee ($millions) | 5.2317% | 2,103 |
| Cash dividends to net income (ytd only)* | 113.0141% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5570% | 1,764 |
| Loan loss allowance to noncurrent loans | 584.2227% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 4,768 |
| Noncurrent loans to loans | 0.2665% | 4,483 |
| Net loans and leases to total assets | 73.0326% | 1,883 |
| Net loans and leases to deposits | 88.7999% | 1,724 |
| Net loans and leases to core deposits | 95.6687% | 1,830 |
| Total domestic deposits to total assets | 82.2439% | 4,133 |
| Equity capital to assets | 10.9650% | 2,979 |
| Core capital (leverage) ratio | 10.6184% | 2,828 |
| Tier 1 risk-based capital ratio | 12.6327% | 4,503 |
| Total risk-based capital ratio | 13.8845% | 4,407 |
| Memoranda: | ||
| Average total assets | $655,961,000 | 1,074 |
| Average earning assets | $622,708,000 | 1,051 |
| Average equity | $71,794,500 | 1,101 |
| Average total loans | $485,637,500 | 1,001 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1028% | 2,907 |
| Cost of funding earning assets | 0.5437% | 1,818 |
| Net interest margin | 3.5591% | 3,290 |
| Noninterest income to average assets | 0.5388% | 3,084 |
| Noninterest expense to average assets | 2.2762% | 4,857 |
| Loan and lease loss provision to assets | 0.0905% | 2,491 |
| Net operating income to assets | 1.0898% | 1,969 |
| Return on assets (ROA) | 1.1042% | 1,976 |
| Pretax return on assets | 1.5724% | 1,336 |
| Return on Equity (ROE) | 10.3406% | 1,868 |
| Retained earnings to average equity (ytd only) | 7.8351% | 964 |
| Net charge-offs to loans | 0.0107% | 4,095 |
| Credit loss provision to net charge-offs | 1,166.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 211.5400% | 323 |
| Efficiency ratio | 58.0877% | 5,132 |
| Assets per employee ($millions) | 5.1005% | 2,242 |
| Cash dividends to net income (ytd only)* | 24.2301% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 1,886 |
| Loan loss allowance to noncurrent loans | 133.7428% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.8429% | 2,557 |
| Noncurrent loans to loans | 1.1388% | 2,064 |
| Net loans and leases to total assets | 72.7570% | 1,930 |
| Net loans and leases to deposits | 86.5956% | 2,048 |
| Net loans and leases to core deposits | 93.5648% | 2,084 |
| Total domestic deposits to total assets | 84.0192% | 3,469 |
| Equity capital to assets | 10.9250% | 2,905 |
| Core capital (leverage) ratio | 10.6468% | 2,777 |
| Tier 1 risk-based capital ratio | 12.4622% | 4,659 |
| Total risk-based capital ratio | 13.7132% | 4,545 |
| Memoranda: | ||
| Average total assets | $643,998,400 | 1,061 |
| Average earning assets | $611,565,400 | 1,027 |
| Average equity | $68,767,600 | 1,105 |
| Average total loans | $465,773,400 | 993 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0888% | 2,994 |
| Cost of funding earning assets | 0.5481% | 1,818 |
| Net interest margin | 3.5406% | 3,383 |
| Noninterest income to average assets | 0.5264% | 3,189 |
| Noninterest expense to average assets | 2.2713% | 4,855 |
| Loan and lease loss provision to assets | 0.0889% | 2,378 |
| Net operating income to assets | 1.0790% | 2,100 |
| Return on assets (ROA) | 1.0983% | 2,097 |
| Pretax return on assets | 1.5608% | 1,501 |
| Return on Equity (ROE) | 10.3465% | 1,948 |
| Retained earnings to average equity (ytd only) | 6.9676% | 1,703 |
| Net charge-offs to loans | 0.0145% | 3,670 |
| Credit loss provision to net charge-offs | 854.0000% | 422 |
| Earnings coverage of net charge-offs (x) | 155.8484% | 449 |
| Efficiency ratio | 58.3351% | 5,079 |
| Assets per employee ($millions) | 5.1284% | 2,145 |
| Cash dividends to net income (ytd only)* | 32.6574% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 2,036 |
| Loan loss allowance to noncurrent loans | 126.3378% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.8915% | 2,644 |
| Noncurrent loans to loans | 1.2106% | 2,115 |
| Net loans and leases to total assets | 72.2168% | 2,027 |
| Net loans and leases to deposits | 87.1592% | 2,005 |
| Net loans and leases to core deposits | 93.7930% | 2,096 |
| Total domestic deposits to total assets | 82.8562% | 3,862 |
| Equity capital to assets | 10.8521% | 3,191 |
| Core capital (leverage) ratio | 10.4524% | 3,094 |
| Tier 1 risk-based capital ratio | 12.3155% | 4,879 |
| Total risk-based capital ratio | 13.5666% | 4,780 |
| Memoranda: | ||
| Average total assets | $640,508,250 | 1,078 |
| Average earning assets | $609,102,000 | 1,037 |
| Average equity | $67,989,000 | 1,128 |
| Average total loans | $460,688,000 | 1,006 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0754% | 2,991 |
| Cost of funding earning assets | 0.5460% | 1,854 |
| Net interest margin | 3.5294% | 3,380 |
| Noninterest income to average assets | 0.5033% | 3,348 |
| Noninterest expense to average assets | 2.2743% | 4,913 |
| Loan and lease loss provision to assets | 0.0849% | 2,421 |
| Net operating income to assets | 1.0571% | 2,113 |
| Return on assets (ROA) | 1.0864% | 2,094 |
| Pretax return on assets | 1.5396% | 1,530 |
| Return on Equity (ROE) | 10.3125% | 1,929 |
| Retained earnings to average equity (ytd only) | 5.1905% | 2,734 |
| Net charge-offs to loans | 0.0035% | 3,779 |
| Credit loss provision to net charge-offs | 3,387.5000% | 124 |
| Earnings coverage of net charge-offs (x) | 631.8750% | 101 |
| Efficiency ratio | 58.9592% | 5,116 |
| Assets per employee ($millions) | 4.9728% | 2,309 |
| Cash dividends to net income (ytd only)* | 49.6685% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 2,099 |
| Loan loss allowance to noncurrent loans | 185.2506% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 3,591 |
| Noncurrent loans to loans | 0.8332% | 3,038 |
| Net loans and leases to total assets | 71.4941% | 2,072 |
| Net loans and leases to deposits | 85.5162% | 2,105 |
| Net loans and leases to core deposits | 91.9679% | 2,164 |
| Total domestic deposits to total assets | 83.6030% | 3,728 |
| Equity capital to assets | 10.7155% | 3,202 |
| Core capital (leverage) ratio | 10.3365% | 3,169 |
| Tier 1 risk-based capital ratio | 12.4494% | 4,841 |
| Total risk-based capital ratio | 13.7008% | 4,753 |
| Memoranda: | ||
| Average total assets | $638,617,330 | 1,081 |
| Average earning assets | $606,907,330 | 1,047 |
| Average equity | $67,277,330 | 1,140 |
| Average total loans | $456,284,330 | 1,018 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 2,771 |
| Cost of funding earning assets | 0.5431% | 1,903 |
| Net interest margin | 3.5722% | 3,114 |
| Noninterest income to average assets | 0.5240% | 3,129 |
| Noninterest expense to average assets | 2.2537% | 4,990 |
| Loan and lease loss provision to assets | 0.0719% | 2,501 |
| Net operating income to assets | 1.1197% | 1,798 |
| Return on assets (ROA) | 1.1775% | 1,716 |
| Pretax return on assets | 1.6740% | 1,102 |
| Return on Equity (ROE) | 11.2733% | 1,561 |
| Retained earnings to average equity (ytd only) | 0.9579% | 5,083 |
| Net charge-offs to loans | 0.0018% | 3,251 |
| Credit loss provision to net charge-offs | 5,750.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 1,330.0000% | 29 |
| Efficiency ratio | 57.5351% | 5,388 |
| Assets per employee ($millions) | 5.1074% | 2,218 |
| Cash dividends to net income (ytd only)* | 91.5029% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 2,202 |
| Loan loss allowance to noncurrent loans | 440.0756% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 4,920 |
| Noncurrent loans to loans | 0.3538% | 4,531 |
| Net loans and leases to total assets | 70.2860% | 2,099 |
| Net loans and leases to deposits | 82.5818% | 2,267 |
| Net loans and leases to core deposits | 89.1111% | 2,216 |
| Total domestic deposits to total assets | 85.1107% | 3,353 |
| Equity capital to assets | 10.6540% | 3,371 |
| Core capital (leverage) ratio | 10.0341% | 3,555 |
| Tier 1 risk-based capital ratio | 12.9548% | 4,627 |
| Total risk-based capital ratio | 14.2069% | 4,542 |
| Memoranda: | ||
| Average total assets | $639,667,500 | 1,088 |
| Average earning assets | $607,575,000 | 1,050 |
| Average equity | $66,813,000 | 1,148 |
| Average total loans | $453,323,500 | 1,025 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 2,842 |
| Cost of funding earning assets | 0.5913% | 1,844 |
| Net interest margin | 3.6409% | 3,254 |
| Noninterest income to average assets | 0.7596% | 2,037 |
| Noninterest expense to average assets | 2.2772% | 5,166 |
| Loan and lease loss provision to assets | 0.1277% | 2,055 |
| Net operating income to assets | 1.2610% | 1,399 |
| Return on assets (ROA) | 1.2662% | 1,439 |
| Pretax return on assets | 1.7974% | 795 |
| Return on Equity (ROE) | 12.7053% | 1,206 |
| Retained earnings to average equity (ytd only) | 12.2253% | 281 |
| Net charge-offs to loans | 0.0811% | 3,333 |
| Credit loss provision to net charge-offs | 226.9122% | 1,109 |
| Earnings coverage of net charge-offs (x) | 34.0737% | 1,214 |
| Efficiency ratio | 54.2835% | 5,818 |
| Assets per employee ($millions) | 5.2090% | 2,064 |
| Cash dividends to net income (ytd only)* | 3.7779% | 4,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 2,475 |
| Loan loss allowance to noncurrent loans | 641.5500% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 5,349 |
| Noncurrent loans to loans | 0.2338% | 4,989 |
| Net loans and leases to total assets | 69.3029% | 2,338 |
| Net loans and leases to deposits | 81.3183% | 2,566 |
| Net loans and leases to core deposits | 87.3245% | 2,577 |
| Total domestic deposits to total assets | 85.2242% | 3,199 |
| Equity capital to assets | 10.2433% | 3,797 |
| Core capital (leverage) ratio | 9.8207% | 3,813 |
| Tier 1 risk-based capital ratio | 12.5924% | 4,981 |
| Total risk-based capital ratio | 13.8440% | 4,895 |
| Memoranda: | ||
| Average total assets | $627,174,400 | 1,060 |
| Average earning assets | $591,777,800 | 1,034 |
| Average equity | $62,501,600 | 1,167 |
| Average total loans | $435,531,600 | 1,015 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 2,848 |
| Cost of funding earning assets | 0.5968% | 1,867 |
| Net interest margin | 3.6411% | 3,264 |
| Noninterest income to average assets | 0.8420% | 1,738 |
| Noninterest expense to average assets | 2.2799% | 5,154 |
| Loan and lease loss provision to assets | 0.1198% | 2,070 |
| Net operating income to assets | 1.3210% | 1,313 |
| Return on assets (ROA) | 1.3277% | 1,353 |
| Pretax return on assets | 1.8867% | 739 |
| Return on Equity (ROE) | 13.4214% | 1,112 |
| Retained earnings to average equity (ytd only) | 13.4214% | 287 |
| Net charge-offs to loans | 0.0906% | 2,920 |
| Credit loss provision to net charge-offs | 191.0959% | 1,314 |
| Earnings coverage of net charge-offs (x) | 31.8599% | 1,318 |
| Efficiency ratio | 53.3099% | 5,892 |
| Assets per employee ($millions) | 5.1645% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 2,725 |
| Loan loss allowance to noncurrent loans | 316.8640% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 4,883 |
| Noncurrent loans to loans | 0.4726% | 4,490 |
| Net loans and leases to total assets | 69.2679% | 2,313 |
| Net loans and leases to deposits | 80.4892% | 2,619 |
| Net loans and leases to core deposits | 87.0065% | 2,546 |
| Total domestic deposits to total assets | 86.0586% | 2,818 |
| Equity capital to assets | 10.2372% | 3,876 |
| Core capital (leverage) ratio | 9.7099% | 4,061 |
| Tier 1 risk-based capital ratio | 12.6920% | 5,045 |
| Total risk-based capital ratio | 13.9436% | 4,954 |
| Memoranda: | ||
| Average total assets | $621,186,250 | 1,085 |
| Average earning assets | $585,959,250 | 1,053 |
| Average equity | $61,452,750 | 1,197 |
| Average total loans | $429,884,250 | 1,027 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2500% | 2,768 |
| Cost of funding earning assets | 0.6002% | 1,896 |
| Net interest margin | 3.6498% | 3,144 |
| Noninterest income to average assets | 0.5392% | 3,212 |
| Noninterest expense to average assets | 2.2433% | 5,305 |
| Loan and lease loss provision to assets | 0.1288% | 1,917 |
| Net operating income to assets | 1.1471% | 1,764 |
| Return on assets (ROA) | 1.1471% | 1,849 |
| Pretax return on assets | 1.6058% | 1,242 |
| Return on Equity (ROE) | 11.7358% | 1,505 |
| Retained earnings to average equity (ytd only) | 11.7358% | 452 |
| Net charge-offs to loans | 0.1395% | 2,274 |
| Credit loss provision to net charge-offs | 134.1216% | 1,576 |
| Earnings coverage of net charge-offs (x) | 18.0642% | 1,703 |
| Efficiency ratio | 56.3937% | 5,704 |
| Assets per employee ($millions) | 4.9712% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 2,911 |
| Loan loss allowance to noncurrent loans | 132.4132% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.9522% | 3,154 |
| Noncurrent loans to loans | 1.1311% | 2,962 |
| Net loans and leases to total assets | 69.0483% | 2,233 |
| Net loans and leases to deposits | 81.5098% | 2,314 |
| Net loans and leases to core deposits | 88.9011% | 2,221 |
| Total domestic deposits to total assets | 84.7116% | 3,633 |
| Equity capital to assets | 10.0253% | 4,069 |
| Core capital (leverage) ratio | 9.4647% | 4,378 |
| Tier 1 risk-based capital ratio | 12.4448% | 5,267 |
| Total risk-based capital ratio | 13.6964% | 5,184 |
| Memoranda: | ||
| Average total assets | $616,502,000 | 1,093 |
| Average earning assets | $580,848,670 | 1,058 |
| Average equity | $60,260,000 | 1,208 |
| Average total loans | $424,277,000 | 1,030 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2283% | 2,767 |
| Cost of funding earning assets | 0.6028% | 1,947 |
| Net interest margin | 3.6256% | 3,157 |
| Noninterest income to average assets | 0.4319% | 3,936 |
| Noninterest expense to average assets | 2.2252% | 5,396 |
| Loan and lease loss provision to assets | 0.1251% | 1,935 |
| Net operating income to assets | 1.0703% | 1,928 |
| Return on assets (ROA) | 1.0703% | 1,995 |
| Pretax return on assets | 1.4943% | 1,441 |
| Return on Equity (ROE) | 11.0936% | 1,653 |
| Retained earnings to average equity (ytd only) | 11.0936% | 726 |
| Net charge-offs to loans | 0.0822% | 2,327 |
| Credit loss provision to net charge-offs | 223.2558% | 968 |
| Earnings coverage of net charge-offs (x) | 28.9070% | 1,072 |
| Efficiency ratio | 57.8787% | 5,662 |
| Assets per employee ($millions) | 5.1730% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 2,913 |
| Loan loss allowance to noncurrent loans | 274.5585% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.5447% | 4,513 |
| Noncurrent loans to loans | 0.5653% | 4,462 |
| Net loans and leases to total assets | 67.2728% | 2,343 |
| Net loans and leases to deposits | 79.8398% | 2,309 |
| Net loans and leases to core deposits | 87.0008% | 2,192 |
| Total domestic deposits to total assets | 84.2597% | 4,181 |
| Equity capital to assets | 9.7519% | 4,164 |
| Core capital (leverage) ratio | 9.3162% | 4,551 |
| Tier 1 risk-based capital ratio | 12.4050% | 5,363 |
| Total risk-based capital ratio | 13.6570% | 5,303 |
| Memoranda: | ||
| Average total assets | $614,053,000 | 1,109 |
| Average earning assets | $578,008,000 | 1,073 |
| Average equity | $59,241,500 | 1,232 |
| Average total loans | $418,620,500 | 1,048 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2368% | 3,211 |
| Cost of funding earning assets | 0.6648% | 2,075 |
| Net interest margin | 3.5719% | 3,598 |
| Noninterest income to average assets | 0.5343% | 3,526 |
| Noninterest expense to average assets | 2.2670% | 5,466 |
| Loan and lease loss provision to assets | 0.1031% | 3,076 |
| Net operating income to assets | 1.0859% | 1,977 |
| Return on assets (ROA) | 1.0819% | 2,067 |
| Pretax return on assets | 1.5148% | 1,396 |
| Return on Equity (ROE) | 11.2738% | 1,677 |
| Retained earnings to average equity (ytd only) | 10.8262% | 446 |
| Net charge-offs to loans | 0.0055% | 5,357 |
| Credit loss provision to net charge-offs | 2,727.2727% | 84 |
| Earnings coverage of net charge-offs (x) | 429.5455% | 96 |
| Efficiency ratio | 58.2689% | 5,702 |
| Assets per employee ($millions) | 4.9397% | 2,253 |
| Cash dividends to net income (ytd only)* | 3.9701% | 4,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 2,998 |
| Loan loss allowance to noncurrent loans | 855.2597% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 5,410 |
| Noncurrent loans to loans | 0.1803% | 5,663 |
| Net loans and leases to total assets | 66.9639% | 2,528 |
| Net loans and leases to deposits | 78.6694% | 2,639 |
| Net loans and leases to core deposits | 85.9280% | 2,454 |
| Total domestic deposits to total assets | 85.1207% | 3,681 |
| Equity capital to assets | 9.5429% | 4,363 |
| Core capital (leverage) ratio | 9.2890% | 4,576 |
| Tier 1 risk-based capital ratio | 12.1175% | 5,547 |
| Total risk-based capital ratio | 13.3694% | 5,481 |
| Memoranda: | ||
| Average total assets | $582,043,000 | 1,143 |
| Average earning assets | $546,902,200 | 1,105 |
| Average equity | $55,855,200 | 1,280 |
| Average total loans | $396,818,800 | 1,085 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 3,257 |
| Cost of funding earning assets | 0.6739% | 2,150 |
| Net interest margin | 3.5601% | 3,620 |
| Noninterest income to average assets | 0.5399% | 3,524 |
| Noninterest expense to average assets | 2.2888% | 5,377 |
| Loan and lease loss provision to assets | 0.1045% | 3,016 |
| Net operating income to assets | 1.0596% | 2,148 |
| Return on assets (ROA) | 1.0596% | 2,235 |
| Pretax return on assets | 1.4915% | 1,637 |
| Return on Equity (ROE) | 11.0251% | 1,810 |
| Retained earnings to average equity (ytd only) | 11.0251% | 573 |
| Net charge-offs to loans | -0.0014% | 5,667 |
| Credit loss provision to net charge-offs | -11,250.0000% | 6,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9174% | 5,567 |
| Assets per employee ($millions) | 4.9519% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 3,137 |
| Loan loss allowance to noncurrent loans | 786.5169% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 5,517 |
| Noncurrent loans to loans | 0.1998% | 5,738 |
| Net loans and leases to total assets | 66.9518% | 2,469 |
| Net loans and leases to deposits | 79.6568% | 2,458 |
| Net loans and leases to core deposits | 87.4009% | 2,239 |
| Total domestic deposits to total assets | 84.0502% | 4,168 |
| Equity capital to assets | 9.6080% | 4,406 |
| Core capital (leverage) ratio | 9.3219% | 4,667 |
| Tier 1 risk-based capital ratio | 12.2818% | 5,584 |
| Total risk-based capital ratio | 13.5339% | 5,521 |
| Memoranda: | ||
| Average total assets | $574,423,500 | 1,169 |
| Average earning assets | $539,712,000 | 1,135 |
| Average equity | $55,206,000 | 1,301 |
| Average total loans | $391,875,750 | 1,094 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 3,184 |
| Cost of funding earning assets | 0.6861% | 2,169 |
| Net interest margin | 3.5545% | 3,546 |
| Noninterest income to average assets | 0.5145% | 3,746 |
| Noninterest expense to average assets | 2.3092% | 5,347 |
| Loan and lease loss provision to assets | 0.1054% | 3,030 |
| Net operating income to assets | 1.0220% | 2,232 |
| Return on assets (ROA) | 1.0220% | 2,355 |
| Pretax return on assets | 1.4371% | 1,812 |
| Return on Equity (ROE) | 10.6330% | 1,954 |
| Retained earnings to average equity (ytd only) | 10.6330% | 715 |
| Net charge-offs to loans | 0.0036% | 4,848 |
| Credit loss provision to net charge-offs | 4,285.7143% | 70 |
| Earnings coverage of net charge-offs (x) | 627.4286% | 65 |
| Efficiency ratio | 59.9526% | 5,493 |
| Assets per employee ($millions) | 4.9516% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 3,295 |
| Loan loss allowance to noncurrent loans | 13,343.4783% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 5,937 |
| Noncurrent loans to loans | 0.0117% | 6,397 |
| Net loans and leases to total assets | 67.1951% | 2,381 |
| Net loans and leases to deposits | 79.6835% | 2,370 |
| Net loans and leases to core deposits | 87.3069% | 2,194 |
| Total domestic deposits to total assets | 84.3275% | 4,188 |
| Equity capital to assets | 9.7216% | 4,270 |
| Core capital (leverage) ratio | 9.2616% | 4,607 |
| Tier 1 risk-based capital ratio | 12.3665% | 5,593 |
| Total risk-based capital ratio | 13.6190% | 5,535 |
| Memoranda: | ||
| Average total assets | $569,471,000 | 1,178 |
| Average earning assets | $534,640,000 | 1,145 |
| Average equity | $54,735,330 | 1,313 |
| Average total loans | $388,889,670 | 1,096 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 2,993 |
| Cost of funding earning assets | 0.7077% | 2,141 |
| Net interest margin | 3.5701% | 3,383 |
| Noninterest income to average assets | 0.4973% | 3,787 |
| Noninterest expense to average assets | 2.3626% | 5,224 |
| Loan and lease loss provision to assets | 0.1058% | 2,921 |
| Net operating income to assets | 0.9778% | 2,331 |
| Return on assets (ROA) | 0.9778% | 2,459 |
| Pretax return on assets | 1.3707% | 1,965 |
| Return on Equity (ROE) | 10.2320% | 1,982 |
| Retained earnings to average equity (ytd only) | 10.2320% | 1,050 |
| Net charge-offs to loans | -0.0031% | 5,197 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5399% | 5,367 |
| Assets per employee ($millions) | 4.7568% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 3,537 |
| Loan loss allowance to noncurrent loans | 4,957.0248% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 5,946 |
| Noncurrent loans to loans | 0.0316% | 6,401 |
| Net loans and leases to total assets | 67.1033% | 2,172 |
| Net loans and leases to deposits | 77.9370% | 2,345 |
| Net loans and leases to core deposits | 85.7713% | 2,130 |
| Total domestic deposits to total assets | 86.0994% | 3,473 |
| Equity capital to assets | 9.7529% | 4,495 |
| Core capital (leverage) ratio | 9.0940% | 4,727 |
| Tier 1 risk-based capital ratio | 12.3162% | 5,706 |
| Total risk-based capital ratio | 13.5687% | 5,657 |
| Memoranda: | ||
| Average total assets | $567,011,500 | 1,196 |
| Average earning assets | $530,735,000 | 1,162 |
| Average equity | $54,183,000 | 1,346 |
| Average total loans | $387,284,500 | 1,104 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 2,928 |
| Cost of funding earning assets | 0.8165% | 2,530 |
| Net interest margin | 3.8011% | 3,220 |
| Noninterest income to average assets | 0.5485% | 3,592 |
| Noninterest expense to average assets | 2.4361% | 5,300 |
| Loan and lease loss provision to assets | 0.1352% | 3,936 |
| Net operating income to assets | 1.0839% | 1,995 |
| Return on assets (ROA) | 1.1032% | 2,109 |
| Pretax return on assets | 1.5537% | 1,506 |
| Return on Equity (ROE) | 10.9323% | 1,825 |
| Retained earnings to average equity (ytd only) | 3.4645% | 3,784 |
| Net charge-offs to loans | 0.0022% | 5,959 |
| Credit loss provision to net charge-offs | 8,825.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 1,084.8750% | 30 |
| Efficiency ratio | 59.4496% | 5,627 |
| Assets per employee ($millions) | 4.8536% | 2,411 |
| Cash dividends to net income (ytd only)* | 68.3096% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 3,788 |
| Loan loss allowance to noncurrent loans | 10,824.0741% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 6,084 |
| Noncurrent loans to loans | 0.0138% | 6,507 |
| Net loans and leases to total assets | 67.4105% | 2,293 |
| Net loans and leases to deposits | 79.0367% | 2,402 |
| Net loans and leases to core deposits | 86.6936% | 2,232 |
| Total domestic deposits to total assets | 85.2901% | 3,716 |
| Equity capital to assets | 9.3628% | 5,051 |
| Core capital (leverage) ratio | 9.0984% | 4,740 |
| Tier 1 risk-based capital ratio | 11.6416% | 6,009 |
| Total risk-based capital ratio | 12.8929% | 5,971 |
| Memoranda: | ||
| Average total assets | $522,317,800 | 1,275 |
| Average earning assets | $487,696,000 | 1,249 |
| Average equity | $52,706,400 | 1,354 |
| Average total loans | $359,147,000 | 1,163 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7050% | 2,791 |
| Cost of funding earning assets | 0.8369% | 2,653 |
| Net interest margin | 3.8681% | 3,039 |
| Noninterest income to average assets | 0.5527% | 3,593 |
| Noninterest expense to average assets | 2.4654% | 5,193 |
| Loan and lease loss provision to assets | 0.1292% | 3,941 |
| Net operating income to assets | 1.1230% | 2,015 |
| Return on assets (ROA) | 1.1352% | 2,161 |
| Pretax return on assets | 1.5938% | 1,599 |
| Return on Equity (ROE) | 11.0267% | 1,950 |
| Retained earnings to average equity (ytd only) | 7.6958% | 1,756 |
| Net charge-offs to loans | -0.0046% | 6,268 |
| Credit loss provision to net charge-offs | -4,116.6667% | 6,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1057% | 5,645 |
| Assets per employee ($millions) | 4.5986% | 2,749 |
| Cash dividends to net income (ytd only)* | 30.2074% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 3,919 |
| Loan loss allowance to noncurrent loans | 4,522.4000% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 6,203 |
| Noncurrent loans to loans | 0.0334% | 6,536 |
| Net loans and leases to total assets | 68.5785% | 2,196 |
| Net loans and leases to deposits | 84.6414% | 1,786 |
| Net loans and leases to core deposits | 92.9802% | 1,689 |
| Total domestic deposits to total assets | 81.0224% | 5,347 |
| Equity capital to assets | 10.1630% | 4,254 |
| Core capital (leverage) ratio | 9.5790% | 4,152 |
| Tier 1 risk-based capital ratio | 12.5523% | 5,602 |
| Total risk-based capital ratio | 13.8041% | 5,562 |
| Memoranda: | ||
| Average total assets | $509,716,250 | 1,328 |
| Average earning assets | $476,810,000 | 1,298 |
| Average equity | $52,477,250 | 1,364 |
| Average total loans | $350,953,500 | 1,194 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7476% | 2,728 |
| Cost of funding earning assets | 0.8543% | 2,763 |
| Net interest margin | 3.8932% | 2,937 |
| Noninterest income to average assets | 0.5173% | 3,805 |
| Noninterest expense to average assets | 2.4942% | 5,155 |
| Loan and lease loss provision to assets | 0.0800% | 4,604 |
| Net operating income to assets | 1.1286% | 1,950 |
| Return on assets (ROA) | 1.1286% | 2,167 |
| Pretax return on assets | 1.5795% | 1,607 |
| Return on Equity (ROE) | 10.9117% | 2,017 |
| Retained earnings to average equity (ytd only) | 5.8443% | 2,805 |
| Net charge-offs to loans | -0.0093% | 6,273 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0481% | 5,569 |
| Assets per employee ($millions) | 4.4176% | 3,056 |
| Cash dividends to net income (ytd only)* | 46.4400% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 3,995 |
| Loan loss allowance to noncurrent loans | 3,623.6486% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 6,239 |
| Noncurrent loans to loans | 0.0415% | 6,572 |
| Net loans and leases to total assets | 67.4276% | 2,386 |
| Net loans and leases to deposits | 80.8846% | 2,250 |
| Net loans and leases to core deposits | 90.0507% | 1,978 |
| Total domestic deposits to total assets | 83.3626% | 4,595 |
| Equity capital to assets | 10.1100% | 4,177 |
| Core capital (leverage) ratio | 9.7150% | 3,807 |
| Tier 1 risk-based capital ratio | 12.7512% | 5,379 |
| Total risk-based capital ratio | 14.0029% | 5,346 |
| Memoranda: | ||
| Average total assets | $500,275,000 | 1,351 |
| Average earning assets | $467,271,330 | 1,325 |
| Average equity | $51,742,670 | 1,373 |
| Average total loans | $343,060,330 | 1,235 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9052% | 2,217 |
| Cost of funding earning assets | 0.8805% | 2,832 |
| Net interest margin | 4.0247% | 2,401 |
| Noninterest income to average assets | 0.5202% | 3,777 |
| Noninterest expense to average assets | 2.5359% | 5,036 |
| Loan and lease loss provision to assets | 0.0898% | 4,235 |
| Net operating income to assets | 1.1638% | 1,845 |
| Return on assets (ROA) | 1.1638% | 2,026 |
| Pretax return on assets | 1.6350% | 1,468 |
| Return on Equity (ROE) | 11.1190% | 1,973 |
| Retained earnings to average equity (ytd only) | 0.8895% | 5,707 |
| Net charge-offs to loans | -0.0119% | 6,001 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5170% | 5,690 |
| Assets per employee ($millions) | 4.2894% | 3,422 |
| Cash dividends to net income (ytd only)* | 92.0000% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 3,861 |
| Loan loss allowance to noncurrent loans | 10,128.8462% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 6,374 |
| Noncurrent loans to loans | 0.0155% | 6,745 |
| Net loans and leases to total assets | 65.8918% | 2,489 |
| Net loans and leases to deposits | 77.3730% | 2,612 |
| Net loans and leases to core deposits | 85.2357% | 2,376 |
| Total domestic deposits to total assets | 85.1613% | 3,957 |
| Equity capital to assets | 10.2179% | 3,829 |
| Core capital (leverage) ratio | 9.9802% | 3,385 |
| Tier 1 risk-based capital ratio | 13.1694% | 5,085 |
| Total risk-based capital ratio | 14.4218% | 5,053 |
| Memoranda: | ||
| Average total assets | $489,773,500 | 1,375 |
| Average earning assets | $455,194,500 | 1,359 |
| Average equity | $51,263,500 | 1,384 |
| Average total loans | $336,166,500 | 1,259 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1136% | 2,401 |
| Cost of funding earning assets | 1.0929% | 2,716 |
| Net interest margin | 4.0207% | 2,786 |
| Noninterest income to average assets | 0.5420% | 3,568 |
| Noninterest expense to average assets | 2.5898% | 5,135 |
| Loan and lease loss provision to assets | 0.0652% | 5,794 |
| Net operating income to assets | 1.1855% | 1,544 |
| Return on assets (ROA) | 1.1874% | 1,656 |
| Pretax return on assets | 1.6533% | 1,097 |
| Return on Equity (ROE) | 11.4042% | 1,585 |
| Retained earnings to average equity (ytd only) | 9.2628% | 734 |
| Net charge-offs to loans | 0.0085% | 6,313 |
| Credit loss provision to net charge-offs | 1,111.1111% | 200 |
| Earnings coverage of net charge-offs (x) | 292.4444% | 125 |
| Efficiency ratio | 60.1494% | 5,734 |
| Assets per employee ($millions) | 4.0142% | 3,820 |
| Cash dividends to net income (ytd only)* | 18.7775% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 3,888 |
| Loan loss allowance to noncurrent loans | 9,711.3208% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 6,431 |
| Noncurrent loans to loans | 0.0158% | 6,797 |
| Net loans and leases to total assets | 69.3413% | 2,154 |
| Net loans and leases to deposits | 82.9054% | 2,079 |
| Net loans and leases to core deposits | 89.1205% | 2,239 |
| Total domestic deposits to total assets | 83.6390% | 4,480 |
| Equity capital to assets | 10.7283% | 3,277 |
| Core capital (leverage) ratio | 10.1882% | 3,097 |
| Tier 1 risk-based capital ratio | 13.1790% | 4,931 |
| Total risk-based capital ratio | 14.4310% | 4,907 |
| Memoranda: | ||
| Average total assets | $460,184,000 | 1,425 |
| Average earning assets | $430,772,000 | 1,404 |
| Average equity | $47,912,200 | 1,419 |
| Average total loans | $319,143,600 | 1,332 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1102% | 2,556 |
| Cost of funding earning assets | 1.1387% | 2,705 |
| Net interest margin | 3.9715% | 3,042 |
| Noninterest income to average assets | 0.5148% | 3,759 |
| Noninterest expense to average assets | 2.6680% | 4,848 |
| Loan and lease loss provision to assets | 0.0512% | 5,806 |
| Net operating income to assets | 1.1049% | 1,947 |
| Return on assets (ROA) | 1.1075% | 2,085 |
| Pretax return on assets | 1.5310% | 1,577 |
| Return on Equity (ROE) | 10.7223% | 1,949 |
| Retained earnings to average equity (ytd only) | 7.8166% | 1,582 |
| Net charge-offs to loans | 0.0025% | 6,163 |
| Credit loss provision to net charge-offs | 2,916.6667% | 99 |
| Earnings coverage of net charge-offs (x) | 899.4775% | 34 |
| Efficiency ratio | 62.8255% | 5,273 |
| Assets per employee ($millions) | 4.1111% | 3,619 |
| Cash dividends to net income (ytd only)* | 27.0999% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 3,943 |
| Loan loss allowance to noncurrent loans | 3,037.9518% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 6,454 |
| Noncurrent loans to loans | 0.0505% | 6,807 |
| Net loans and leases to total assets | 68.4682% | 2,383 |
| Net loans and leases to deposits | 86.1583% | 1,671 |
| Net loans and leases to core deposits | 92.5966% | 1,926 |
| Total domestic deposits to total assets | 79.4679% | 5,879 |
| Equity capital to assets | 10.5170% | 3,685 |
| Core capital (leverage) ratio | 10.0082% | 3,431 |
| Tier 1 risk-based capital ratio | 12.9945% | 5,102 |
| Total risk-based capital ratio | 14.2466% | 5,067 |
| Memoranda: | ||
| Average total assets | $455,807,250 | 1,453 |
| Average earning assets | $428,309,750 | 1,422 |
| Average equity | $47,078,250 | 1,449 |
| Average total loans | $314,833,500 | 1,361 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1038% | 2,663 |
| Cost of funding earning assets | 1.1860% | 2,675 |
| Net interest margin | 3.9179% | 3,226 |
| Noninterest income to average assets | 0.4790% | 4,036 |
| Noninterest expense to average assets | 2.6960% | 4,843 |
| Loan and lease loss provision to assets | 0.0444% | 5,759 |
| Net operating income to assets | 1.0339% | 2,093 |
| Return on assets (ROA) | 1.0339% | 2,189 |
| Pretax return on assets | 1.4226% | 1,744 |
| Return on Equity (ROE) | 10.0742% | 2,095 |
| Retained earnings to average equity (ytd only) | 5.6324% | 2,626 |
| Net charge-offs to loans | -0.0045% | 6,577 |
| Credit loss provision to net charge-offs | -1,428.5714% | 6,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7599% | 5,099 |
| Assets per employee ($millions) | 3.9396% | 3,894 |
| Cash dividends to net income (ytd only)* | 44.0911% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6091% | 3,660 |
| Loan loss allowance to noncurrent loans | 4,293.9655% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 6,534 |
| Noncurrent loans to loans | 0.0375% | 6,890 |
| Net loans and leases to total assets | 66.6480% | 2,899 |
| Net loans and leases to deposits | 79.9437% | 2,813 |
| Net loans and leases to core deposits | 86.4913% | 2,828 |
| Total domestic deposits to total assets | 83.3686% | 4,603 |
| Equity capital to assets | 10.3162% | 3,728 |
| Core capital (leverage) ratio | 9.9100% | 3,375 |
| Tier 1 risk-based capital ratio | 13.2862% | 4,702 |
| Total risk-based capital ratio | 14.5390% | 4,675 |
| Memoranda: | ||
| Average total assets | $450,150,670 | 1,481 |
| Average earning assets | $423,288,670 | 1,444 |
| Average equity | $46,197,000 | 1,461 |
| Average total loans | $310,196,330 | 1,392 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 2,465 |
| Cost of funding earning assets | 1.2137% | 2,726 |
| Net interest margin | 3.9278% | 3,012 |
| Noninterest income to average assets | 0.4826% | 4,028 |
| Noninterest expense to average assets | 2.7211% | 4,750 |
| Loan and lease loss provision to assets | 0.0224% | 5,678 |
| Net operating income to assets | 1.0324% | 2,060 |
| Return on assets (ROA) | 1.0324% | 2,110 |
| Pretax return on assets | 1.4309% | 1,644 |
| Return on Equity (ROE) | 10.0868% | 2,064 |
| Retained earnings to average equity (ytd only) | 1.1110% | 5,378 |
| Net charge-offs to loans | -0.0103% | 6,371 |
| Credit loss provision to net charge-offs | -312.5000% | 5,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1866% | 5,169 |
| Assets per employee ($millions) | 3.8662% | 4,153 |
| Cash dividends to net income (ytd only)* | 88.9853% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 3,556 |
| Loan loss allowance to noncurrent loans | 5,058.7629% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 6,571 |
| Noncurrent loans to loans | 0.0325% | 6,977 |
| Net loans and leases to total assets | 66.0308% | 3,000 |
| Net loans and leases to deposits | 78.0039% | 3,059 |
| Net loans and leases to core deposits | 83.2715% | 3,264 |
| Total domestic deposits to total assets | 84.6507% | 4,206 |
| Equity capital to assets | 10.3016% | 3,414 |
| Core capital (leverage) ratio | 9.8899% | 3,284 |
| Tier 1 risk-based capital ratio | 13.3571% | 4,539 |
| Total risk-based capital ratio | 14.6103% | 4,515 |
| Memoranda: | ||
| Average total assets | $446,727,000 | 1,500 |
| Average earning assets | $419,875,000 | 1,461 |
| Average equity | $45,723,000 | 1,469 |
| Average total loans | $310,514,000 | 1,404 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8402% | 1,177 |
| Cost of funding earning assets | 1.4107% | 3,198 |
| Net interest margin | 4.4296% | 1,400 |
| Noninterest income to average assets | 0.5423% | 3,869 |
| Noninterest expense to average assets | 2.6471% | 5,231 |
| Loan and lease loss provision to assets | 0.4579% | 3,378 |
| Net operating income to assets | 1.1320% | 1,604 |
| Return on assets (ROA) | 1.1320% | 1,683 |
| Pretax return on assets | 1.5843% | 1,163 |
| Return on Equity (ROE) | 11.1018% | 1,556 |
| Retained earnings to average equity (ytd only) | 8.5983% | 817 |
| Net charge-offs to loans | 0.4990% | 3,626 |
| Credit loss provision to net charge-offs | 125.4291% | 3,249 |
| Earnings coverage of net charge-offs (x) | 5.5944% | 2,587 |
| Efficiency ratio | 56.4507% | 6,537 |
| Assets per employee ($millions) | 3.9030% | 3,997 |
| Cash dividends to net income (ytd only)* | 22.5502% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 3,948 |
| Loan loss allowance to noncurrent loans | 367.8491% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 6,504 |
| Noncurrent loans to loans | 0.4108% | 6,222 |
| Net loans and leases to total assets | 70.7746% | 2,360 |
| Net loans and leases to deposits | 84.6615% | 2,345 |
| Net loans and leases to core deposits | 89.7245% | 2,807 |
| Total domestic deposits to total assets | 83.5971% | 4,559 |
| Equity capital to assets | 10.1693% | 3,532 |
| Core capital (leverage) ratio | 9.9239% | 3,170 |
| Tier 1 risk-based capital ratio | 12.3625% | 5,148 |
| Total risk-based capital ratio | 13.6142% | 5,117 |
| Memoranda: | ||
| Average total assets | $430,923,600 | 1,549 |
| Average earning assets | $403,425,400 | 1,506 |
| Average equity | $43,938,800 | 1,518 |
| Average total loans | $315,254,600 | 1,422 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7564% | 1,524 |
| Cost of funding earning assets | 1.4487% | 3,282 |
| Net interest margin | 4.3077% | 1,826 |
| Noninterest income to average assets | 0.5231% | 4,002 |
| Noninterest expense to average assets | 2.7314% | 4,753 |
| Loan and lease loss provision to assets | 0.3730% | 3,657 |
| Net operating income to assets | 1.0471% | 2,079 |
| Return on assets (ROA) | 1.0471% | 2,188 |
| Pretax return on assets | 1.4507% | 1,747 |
| Return on Equity (ROE) | 10.2619% | 2,022 |
| Retained earnings to average equity (ytd only) | 6.8913% | 1,908 |
| Net charge-offs to loans | 0.3901% | 3,726 |
| Credit loss provision to net charge-offs | 130.0981% | 3,105 |
| Earnings coverage of net charge-offs (x) | 6.3609% | 2,538 |
| Efficiency ratio | 59.9629% | 5,964 |
| Assets per employee ($millions) | 3.9190% | 3,994 |
| Cash dividends to net income (ytd only)* | 32.8456% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 3,941 |
| Loan loss allowance to noncurrent loans | 211.4871% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 6,114 |
| Noncurrent loans to loans | 0.7108% | 5,790 |
| Net loans and leases to total assets | 72.2010% | 2,209 |
| Net loans and leases to deposits | 86.8148% | 2,181 |
| Net loans and leases to core deposits | 93.1087% | 2,645 |
| Total domestic deposits to total assets | 83.1667% | 4,523 |
| Equity capital to assets | 10.4521% | 3,571 |
| Core capital (leverage) ratio | 9.8600% | 3,419 |
| Tier 1 risk-based capital ratio | 12.1398% | 5,325 |
| Total risk-based capital ratio | 13.3914% | 5,290 |
| Memoranda: | ||
| Average total assets | $426,444,000 | 1,584 |
| Average earning assets | $399,149,750 | 1,540 |
| Average equity | $43,512,500 | 1,534 |
| Average total loans | $313,433,250 | 1,448 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8185% | 1,384 |
| Cost of funding earning assets | 1.4858% | 3,333 |
| Net interest margin | 4.3327% | 1,658 |
| Noninterest income to average assets | 0.4961% | 4,151 |
| Noninterest expense to average assets | 2.7348% | 4,761 |
| Loan and lease loss provision to assets | 0.2344% | 4,573 |
| Net operating income to assets | 1.1320% | 1,748 |
| Return on assets (ROA) | 1.1320% | 1,814 |
| Pretax return on assets | 1.5802% | 1,354 |
| Return on Equity (ROE) | 11.1867% | 1,688 |
| Retained earnings to average equity (ytd only) | 6.0701% | 2,295 |
| Net charge-offs to loans | 0.1772% | 4,546 |
| Credit loss provision to net charge-offs | 179.7834% | 2,180 |
| Earnings coverage of net charge-offs (x) | 13.9170% | 1,562 |
| Efficiency ratio | 60.1138% | 6,026 |
| Assets per employee ($millions) | 3.7165% | 4,418 |
| Cash dividends to net income (ytd only)* | 45.7380% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 3,833 |
| Loan loss allowance to noncurrent loans | 269.0544% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 6,399 |
| Noncurrent loans to loans | 0.5637% | 6,119 |
| Net loans and leases to total assets | 71.9604% | 2,413 |
| Net loans and leases to deposits | 85.3515% | 2,624 |
| Net loans and leases to core deposits | 89.6538% | 3,325 |
| Total domestic deposits to total assets | 84.3107% | 3,954 |
| Equity capital to assets | 10.3120% | 3,634 |
| Core capital (leverage) ratio | 9.6481% | 3,612 |
| Tier 1 risk-based capital ratio | 12.1198% | 5,201 |
| Total risk-based capital ratio | 13.3714% | 5,177 |
| Memoranda: | ||
| Average total assets | $424,895,000 | 1,606 |
| Average earning assets | $397,493,000 | 1,558 |
| Average equity | $42,997,330 | 1,545 |
| Average total loans | $312,577,000 | 1,470 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9524% | 1,073 |
| Cost of funding earning assets | 1.5266% | 3,396 |
| Net interest margin | 4.4258% | 1,313 |
| Noninterest income to average assets | 0.4569% | 4,406 |
| Noninterest expense to average assets | 2.7488% | 4,695 |
| Loan and lease loss provision to assets | 0.0949% | 5,681 |
| Net operating income to assets | 1.2381% | 1,435 |
| Return on assets (ROA) | 1.2381% | 1,509 |
| Pretax return on assets | 1.7448% | 974 |
| Return on Equity (ROE) | 12.3514% | 1,405 |
| Retained earnings to average equity (ytd only) | 2.0351% | 4,909 |
| Net charge-offs to loans | -0.0178% | 7,045 |
| Credit loss provision to net charge-offs | -721.4286% | 6,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9058% | 6,191 |
| Assets per employee ($millions) | 3.8629% | 4,177 |
| Cash dividends to net income (ytd only)* | 83.5232% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 3,997 |
| Loan loss allowance to noncurrent loans | 522.6651% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 6,921 |
| Noncurrent loans to loans | 0.2836% | 6,756 |
| Net loans and leases to total assets | 71.7858% | 2,506 |
| Net loans and leases to deposits | 84.9403% | 2,779 |
| Net loans and leases to core deposits | 89.5537% | 3,424 |
| Total domestic deposits to total assets | 84.5132% | 3,889 |
| Equity capital to assets | 10.0547% | 3,794 |
| Core capital (leverage) ratio | 9.5031% | 3,767 |
| Tier 1 risk-based capital ratio | 11.8383% | 5,362 |
| Total risk-based capital ratio | 13.0898% | 5,303 |
| Memoranda: | ||
| Average total assets | $425,501,000 | 1,638 |
| Average earning assets | $397,217,500 | 1,603 |
| Average equity | $42,651,000 | 1,568 |
| Average total loans | $314,076,000 | 1,501 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0419% | 1,708 |
| Cost of funding earning assets | 1.9046% | 3,443 |
| Net interest margin | 4.1373% | 2,295 |
| Noninterest income to average assets | 0.5270% | 4,202 |
| Noninterest expense to average assets | 2.7655% | 5,105 |
| Loan and lease loss provision to assets | 0.4085% | 4,359 |
| Net operating income to assets | 0.9454% | 2,022 |
| Return on assets (ROA) | 0.9454% | 2,076 |
| Pretax return on assets | 1.2264% | 1,882 |
| Return on Equity (ROE) | 9.3578% | 1,900 |
| Retained earnings to average equity (ytd only) | 6.7681% | 1,049 |
| Net charge-offs to loans | 0.0180% | 6,969 |
| Credit loss provision to net charge-offs | 2,952.7273% | 120 |
| Earnings coverage of net charge-offs (x) | 118.1636% | 241 |
| Efficiency ratio | 62.8459% | 5,992 |
| Assets per employee ($millions) | 3.9090% | 4,004 |
| Cash dividends to net income (ytd only)* | 27.6743% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 4,216 |
| Loan loss allowance to noncurrent loans | 183.1355% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5816% | 6,003 |
| Noncurrent loans to loans | 0.7670% | 5,734 |
| Net loans and leases to total assets | 73.7081% | 2,334 |
| Net loans and leases to deposits | 86.2850% | 2,860 |
| Net loans and leases to core deposits | 109.6098% | 2,943 |
| Total domestic deposits to total assets | 85.4240% | 3,339 |
| Equity capital to assets | 9.9928% | 3,774 |
| Core capital (leverage) ratio | 9.7041% | 3,449 |
| Tier 1 risk-based capital ratio | 11.4578% | 5,447 |
| Total risk-based capital ratio | 12.7083% | 5,406 |
| Memoranda: | ||
| Average total assets | $397,507,600 | 1,728 |
| Average earning assets | $372,151,800 | 1,691 |
| Average equity | $40,159,200 | 1,663 |
| Average total loans | $305,877,600 | 1,567 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8881% | 2,504 |
| Cost of funding earning assets | 1.9749% | 3,487 |
| Net interest margin | 3.9132% | 3,188 |
| Noninterest income to average assets | 0.4973% | 4,505 |
| Noninterest expense to average assets | 2.8629% | 4,600 |
| Loan and lease loss provision to assets | 0.4631% | 3,591 |
| Net operating income to assets | 0.6455% | 3,425 |
| Return on assets (ROA) | 0.6455% | 3,486 |
| Pretax return on assets | 0.8460% | 3,396 |
| Return on Equity (ROE) | 6.3708% | 3,365 |
| Retained earnings to average equity (ytd only) | 2.8652% | 3,726 |
| Net charge-offs to loans | 0.0115% | 6,775 |
| Credit loss provision to net charge-offs | 5,215.3846% | 78 |
| Earnings coverage of net charge-offs (x) | 147.4052% | 260 |
| Efficiency ratio | 68.6205% | 4,862 |
| Assets per employee ($millions) | 3.6867% | 4,458 |
| Cash dividends to net income (ytd only)* | 55.0263% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 4,055 |
| Loan loss allowance to noncurrent loans | 203.8017% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 6,154 |
| Noncurrent loans to loans | 0.6774% | 5,944 |
| Net loans and leases to total assets | 75.2883% | 2,160 |
| Net loans and leases to deposits | 87.6569% | 3,032 |
| Net loans and leases to core deposits | 112.1346% | 3,008 |
| Total domestic deposits to total assets | 85.8898% | 2,755 |
| Equity capital to assets | 10.0839% | 3,975 |
| Core capital (leverage) ratio | 9.4793% | 3,937 |
| Tier 1 risk-based capital ratio | 11.4454% | 5,482 |
| Total risk-based capital ratio | 12.6957% | 5,429 |
| Memoranda: | ||
| Average total assets | $390,365,000 | 1,774 |
| Average earning assets | $366,582,750 | 1,733 |
| Average equity | $39,554,750 | 1,719 |
| Average total loans | $302,715,000 | 1,603 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1475% | 1,626 |
| Cost of funding earning assets | 2.0157% | 3,702 |
| Net interest margin | 4.1318% | 2,219 |
| Noninterest income to average assets | 0.4791% | 4,637 |
| Noninterest expense to average assets | 2.8727% | 4,614 |
| Loan and lease loss provision to assets | 0.3948% | 3,548 |
| Net operating income to assets | 0.7632% | 3,000 |
| Return on assets (ROA) | 0.7632% | 3,107 |
| Pretax return on assets | 1.0861% | 2,683 |
| Return on Equity (ROE) | 7.5193% | 2,965 |
| Retained earnings to average equity (ytd only) | 2.2176% | 4,105 |
| Net charge-offs to loans | 0.0226% | 6,180 |
| Credit loss provision to net charge-offs | 2,244.1176% | 239 |
| Earnings coverage of net charge-offs (x) | 84.1765% | 457 |
| Efficiency ratio | 65.9853% | 5,546 |
| Assets per employee ($millions) | 3.6795% | 4,375 |
| Cash dividends to net income (ytd only)* | 70.5085% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 4,934 |
| Loan loss allowance to noncurrent loans | 141.4008% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6523% | 5,781 |
| Noncurrent loans to loans | 0.8491% | 5,524 |
| Net loans and leases to total assets | 75.2493% | 2,380 |
| Net loans and leases to deposits | 87.4985% | 3,265 |
| Net loans and leases to core deposits | 111.6735% | 3,184 |
| Total domestic deposits to total assets | 86.0007% | 2,793 |
| Equity capital to assets | 10.0377% | 3,888 |
| Core capital (leverage) ratio | 9.5213% | 3,855 |
| Tier 1 risk-based capital ratio | 11.6017% | 5,286 |
| Total risk-based capital ratio | 12.7301% | 5,322 |
| Memoranda: | ||
| Average total assets | $386,536,670 | 1,810 |
| Average earning assets | $362,457,670 | 1,769 |
| Average equity | $39,232,330 | 1,739 |
| Average total loans | $301,359,670 | 1,643 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2203% | 1,534 |
| Cost of funding earning assets | 2.0529% | 3,856 |
| Net interest margin | 4.1674% | 2,024 |
| Noninterest income to average assets | 0.4660% | 4,628 |
| Noninterest expense to average assets | 2.7362% | 4,845 |
| Loan and lease loss provision to assets | 0.7231% | 1,774 |
| Net operating income to assets | 0.6423% | 3,829 |
| Return on assets (ROA) | 0.6423% | 4,011 |
| Pretax return on assets | 0.9037% | 3,696 |
| Return on Equity (ROE) | 6.2923% | 3,909 |
| Retained earnings to average equity (ytd only) | -4.4005% | 6,474 |
| Net charge-offs to loans | -0.0080% | 7,249 |
| Credit loss provision to net charge-offs | -11,483.3333% | 6,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7135% | 5,927 |
| Assets per employee ($millions) | 3.5739% | 4,641 |
| Cash dividends to net income (ytd only)* | 169.9346% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 4,855 |
| Loan loss allowance to noncurrent loans | 103.2702% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 4,912 |
| Noncurrent loans to loans | 1.1555% | 4,676 |
| Net loans and leases to total assets | 77.9490% | 1,840 |
| Net loans and leases to deposits | 90.9100% | 2,789 |
| Net loans and leases to core deposits | 114.1581% | 2,995 |
| Total domestic deposits to total assets | 85.7430% | 2,855 |
| Equity capital to assets | 10.1710% | 3,795 |
| Core capital (leverage) ratio | 9.6483% | 3,824 |
| Tier 1 risk-based capital ratio | 11.5461% | 5,359 |
| Total risk-based capital ratio | 12.6849% | 5,368 |
| Memoranda: | ||
| Average total assets | $381,113,500 | 1,839 |
| Average earning assets | $356,382,500 | 1,800 |
| Average equity | $38,904,500 | 1,745 |
| Average total loans | $300,708,500 | 1,665 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5168% | 2,883 |
| Cost of funding earning assets | 2.7760% | 2,803 |
| Net interest margin | 3.7408% | 4,274 |
| Noninterest income to average assets | 0.5587% | 4,171 |
| Noninterest expense to average assets | 2.5838% | 5,707 |
| Loan and lease loss provision to assets | 0.3760% | 3,431 |
| Net operating income to assets | 0.7380% | 3,726 |
| Return on assets (ROA) | 0.7380% | 3,561 |
| Pretax return on assets | 1.0680% | 3,146 |
| Return on Equity (ROE) | 6.9090% | 3,580 |
| Retained earnings to average equity (ytd only) | 4.0411% | 2,619 |
| Net charge-offs to loans | 0.3759% | 2,963 |
| Credit loss provision to net charge-offs | 130.4348% | 4,078 |
| Earnings coverage of net charge-offs (x) | 5.0097% | 3,785 |
| Efficiency ratio | 64.1499% | 5,526 |
| Assets per employee ($millions) | 3.5832% | 4,460 |
| Cash dividends to net income (ytd only)* | 41.5094% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 6,269 |
| Loan loss allowance to noncurrent loans | 105.2918% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7267% | 5,051 |
| Noncurrent loans to loans | 0.9205% | 4,782 |
| Net loans and leases to total assets | 78.1501% | 2,100 |
| Net loans and leases to deposits | 92.1182% | 3,111 |
| Net loans and leases to core deposits | 112.9053% | 3,459 |
| Total domestic deposits to total assets | 84.8367% | 2,919 |
| Equity capital to assets | 10.2454% | 3,762 |
| Core capital (leverage) ratio | 9.8979% | 3,549 |
| Tier 1 risk-based capital ratio | 11.5509% | 5,197 |
| Total risk-based capital ratio | 12.4596% | 5,414 |
| Memoranda: | ||
| Average total assets | $359,077,800 | 1,867 |
| Average earning assets | $333,000,600 | 1,839 |
| Average equity | $38,356,000 | 1,761 |
| Average total loans | $275,360,200 | 1,742 |