Home > Midwest Independent BankersBank > Performance and Condition Ratios
Midwest Independent BankersBank, 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 | 5.1131% | 1,829 |
| Cost of funding earning assets | 1.8807% | 1,104 |
| Net interest margin | 3.2323% | 2,789 |
| Noninterest income to average assets | 1.6600% | 334 |
| Noninterest expense to average assets | 3.4790% | 590 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.9286% | 2,457 |
| Return on assets (ROA) | 0.9286% | 2,428 |
| Pretax return on assets | 1.2369% | 2,043 |
| Return on Equity (ROE) | 7.0300% | 3,273 |
| Retained earnings to average equity (ytd only) | 2.8193% | 3,339 |
| Net charge-offs to loans | -0.0396% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.9809% | 1,464 |
| Assets per employee ($millions) | 9.9041% | 726 |
| Cash dividends to net income (ytd only)* | 59.9110% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3079% | 245 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.3200% | 2,817 |
| Net loans and leases to deposits | 91.1372% | 1,170 |
| Net loans and leases to core deposits | 113.8682% | 819 |
| Total domestic deposits to total assets | 66.1800% | 4,374 |
| Equity capital to assets | 13.1275% | 839 |
| Core capital (leverage) ratio | 14.0051% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8762% | 946 |
| Memoranda: | ||
| Average total assets | $314,574,000 | 2,347 |
| Average earning assets | $296,318,800 | 2,327 |
| Average equity | $41,535,400 | 1,831 |
| Average total loans | $192,010,600 | 2,348 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0237% | 1,783 |
| Cost of funding earning assets | 1.8051% | 997 |
| Net interest margin | 3.2186% | 2,873 |
| Noninterest income to average assets | 1.6900% | 346 |
| Noninterest expense to average assets | 3.4710% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9414% | 2,543 |
| Return on assets (ROA) | 0.9414% | 2,530 |
| Pretax return on assets | 1.2523% | 2,164 |
| Return on Equity (ROE) | 7.1200% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.1196% | 2,245 |
| Net charge-offs to loans | -0.0440% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.5535% | 1,399 |
| Assets per employee ($millions) | 10.4540% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3427% | 246 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 57.9200% | 3,034 |
| Net loans and leases to deposits | 87.4659% | 1,430 |
| Net loans and leases to core deposits | 108.6682% | 922 |
| Total domestic deposits to total assets | 66.2200% | 4,401 |
| Equity capital to assets | 13.0454% | 806 |
| Core capital (leverage) ratio | 14.2392% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3852% | 898 |
| Memoranda: | ||
| Average total assets | $313,984,750 | 2,354 |
| Average earning assets | $295,606,250 | 2,329 |
| Average equity | $41,518,000 | 1,816 |
| Average total loans | $191,093,750 | 2,350 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9024% | 1,756 |
| Cost of funding earning assets | 1.6833% | 907 |
| Net interest margin | 3.2191% | 2,941 |
| Noninterest income to average assets | 1.7500% | 281 |
| Noninterest expense to average assets | 3.4814% | 548 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9722% | 2,513 |
| Return on assets (ROA) | 0.9722% | 2,504 |
| Pretax return on assets | 1.3045% | 2,073 |
| Return on Equity (ROE) | 7.3200% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.3186% | 2,187 |
| Net charge-offs to loans | -0.0524% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.8117% | 1,473 |
| Assets per employee ($millions) | 8.7789% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3517% | 255 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 63.0500% | 2,479 |
| Net loans and leases to deposits | 82.9432% | 1,769 |
| Net loans and leases to core deposits | 104.6433% | 1,027 |
| Total domestic deposits to total assets | 76.0100% | 4,040 |
| Equity capital to assets | 13.9563% | 654 |
| Core capital (leverage) ratio | 14.3392% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4983% | 886 |
| Memoranda: | ||
| Average total assets | $310,621,333 | 2,378 |
| Average earning assets | $292,632,333 | 2,358 |
| Average equity | $41,265,000 | 1,836 |
| Average total loans | $190,721,333 | 2,350 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 1,960 |
| Cost of funding earning assets | 1.5602% | 751 |
| Net interest margin | 3.0923% | 3,369 |
| Noninterest income to average assets | 1.8000% | 263 |
| Noninterest expense to average assets | 3.3769% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0145% | 2,487 |
| Return on assets (ROA) | 1.0145% | 2,452 |
| Pretax return on assets | 1.3404% | 2,057 |
| Return on Equity (ROE) | 7.8200% | 3,335 |
| Retained earnings to average equity (ytd only) | 7.8210% | 2,269 |
| Net charge-offs to loans | -0.0864% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.5854% | 1,570 |
| Assets per employee ($millions) | 8.8657% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3909% | 247 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 63.0700% | 2,353 |
| Net loans and leases to deposits | 74.8189% | 2,229 |
| Net loans and leases to core deposits | 91.8192% | 1,510 |
| Total domestic deposits to total assets | 84.3000% | 3,027 |
| Equity capital to assets | 13.7453% | 627 |
| Core capital (leverage) ratio | 13.8903% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8610% | 1,015 |
| Memoranda: | ||
| Average total assets | $316,624,500 | 2,380 |
| Average earning assets | $298,416,000 | 2,353 |
| Average equity | $41,069,000 | 1,865 |
| Average total loans | $189,726,500 | 2,374 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2267% | 3,763 |
| Cost of funding earning assets | 0.7034% | 574 |
| Net interest margin | 2.5233% | 4,263 |
| Noninterest income to average assets | 2.5000% | 204 |
| Noninterest expense to average assets | 3.4331% | 526 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1054% | 2,152 |
| Return on assets (ROA) | 1.1054% | 2,086 |
| Pretax return on assets | 1.4531% | 1,602 |
| Return on Equity (ROE) | 7.9200% | 3,410 |
| Retained earnings to average equity (ytd only) | 1.8316% | 4,015 |
| Net charge-offs to loans | -0.1135% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.2609% | 1,645 |
| Assets per employee ($millions) | 10.0550% | 661 |
| Cash dividends to net income (ytd only)* | 76.8758% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4995% | 212 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 54.2700% | 3,178 |
| Net loans and leases to deposits | 95.2951% | 691 |
| Net loans and leases to core deposits | 126.8904% | 264 |
| Total domestic deposits to total assets | 56.9400% | 4,590 |
| Equity capital to assets | 12.2674% | 859 |
| Core capital (leverage) ratio | 13.4805% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3796% | 1,070 |
| Memoranda: | ||
| Average total assets | $294,194,400 | 2,478 |
| Average earning assets | $277,650,400 | 2,456 |
| Average equity | $41,057,600 | 1,885 |
| Average total loans | $175,395,400 | 2,408 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8674% | 4,100 |
| Cost of funding earning assets | 0.4456% | 1,003 |
| Net interest margin | 2.4218% | 4,297 |
| Noninterest income to average assets | 2.7700% | 195 |
| Noninterest expense to average assets | 3.5235% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1709% | 1,808 |
| Return on assets (ROA) | 1.1709% | 1,784 |
| Pretax return on assets | 1.5309% | 1,321 |
| Return on Equity (ROE) | 8.1000% | 3,296 |
| Retained earnings to average equity (ytd only) | 4.8639% | 3,148 |
| Net charge-offs to loans | -0.1125% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.7110% | 1,794 |
| Assets per employee ($millions) | 9.1269% | 853 |
| Cash dividends to net income (ytd only)* | 39.9840% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5487% | 222 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 57.9300% | 2,707 |
| Net loans and leases to deposits | 73.5077% | 2,091 |
| Net loans and leases to core deposits | 91.6807% | 1,198 |
| Total domestic deposits to total assets | 78.8100% | 4,193 |
| Equity capital to assets | 13.6775% | 596 |
| Core capital (leverage) ratio | 14.8189% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8544% | 877 |
| Memoranda: | ||
| Average total assets | $284,789,250 | 2,551 |
| Average earning assets | $268,393,750 | 2,523 |
| Average equity | $41,145,750 | 1,909 |
| Average total loans | $173,075,250 | 2,434 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5468% | 4,336 |
| Cost of funding earning assets | 0.3317% | 1,427 |
| Net interest margin | 2.2150% | 4,408 |
| Noninterest income to average assets | 3.1140% | 145 |
| Noninterest expense to average assets | 3.5801% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2423% | 1,298 |
| Return on assets (ROA) | 1.2423% | 1,285 |
| Pretax return on assets | 1.6232% | 895 |
| Return on Equity (ROE) | 8.4368% | 2,885 |
| Retained earnings to average equity (ytd only) | 3.5741% | 3,245 |
| Net charge-offs to loans | -0.1134% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8042% | 2,126 |
| Assets per employee ($millions) | 8.3843% | 1,120 |
| Cash dividends to net income (ytd only)* | 57.6369% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5518% | 240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 58.7421% | 2,460 |
| Net loans and leases to deposits | 76.9146% | 1,618 |
| Net loans and leases to core deposits | 97.3513% | 781 |
| Total domestic deposits to total assets | 76.3731% | 4,443 |
| Equity capital to assets | 13.9356% | 525 |
| Core capital (leverage) ratio | 15.1411% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9425% | 861 |
| Memoranda: | ||
| Average total assets | $279,323,333 | 2,591 |
| Average earning assets | $263,470,667 | 2,582 |
| Average equity | $41,129,333 | 1,949 |
| Average total loans | $171,088,667 | 2,450 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3630% | 4,404 |
| Cost of funding earning assets | 0.2428% | 2,236 |
| Net interest margin | 2.1201% | 4,422 |
| Noninterest income to average assets | 3.2234% | 148 |
| Noninterest expense to average assets | 3.6759% | 356 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1798% | 1,301 |
| Return on assets (ROA) | 1.1798% | 1,299 |
| Pretax return on assets | 1.5485% | 923 |
| Return on Equity (ROE) | 7.7872% | 2,764 |
| Retained earnings to average equity (ytd only) | 7.7872% | 1,645 |
| Net charge-offs to loans | -0.1165% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3600% | 2,180 |
| Assets per employee ($millions) | 7.8646% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5833% | 266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.8762% | 2,314 |
| Net loans and leases to deposits | 70.8515% | 1,880 |
| Net loans and leases to core deposits | 84.7784% | 1,203 |
| Total domestic deposits to total assets | 81.6867% | 4,117 |
| Equity capital to assets | 14.2187% | 494 |
| Core capital (leverage) ratio | 15.4631% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4629% | 832 |
| Memoranda: | ||
| Average total assets | $272,260,500 | 2,645 |
| Average earning assets | $256,965,500 | 2,630 |
| Average equity | $41,247,000 | 2,010 |
| Average total loans | $168,187,000 | 2,473 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7571% | 4,724 |
| Cost of funding earning assets | 0.1660% | 3,812 |
| Net interest margin | 1.5911% | 4,710 |
| Noninterest income to average assets | 2.3107% | 254 |
| Noninterest expense to average assets | 2.5733% | 1,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9747% | 2,774 |
| Return on assets (ROA) | 0.9747% | 2,838 |
| Pretax return on assets | 1.2663% | 2,468 |
| Return on Equity (ROE) | 9.0242% | 2,903 |
| Retained earnings to average equity (ytd only) | 4.1423% | 3,170 |
| Net charge-offs to loans | -0.2010% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0192% | 2,124 |
| Assets per employee ($millions) | 6.6719% | 2,181 |
| Cash dividends to net income (ytd only)* | 54.0979% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7016% | 214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 62.7446% | 1,853 |
| Net loans and leases to deposits | 80.4602% | 1,174 |
| Net loans and leases to core deposits | 87.2448% | 1,122 |
| Total domestic deposits to total assets | 77.9822% | 4,392 |
| Equity capital to assets | 16.2185% | 356 |
| Core capital (leverage) ratio | 15.6022% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8111% | 783 |
| Memoranda: | ||
| Average total assets | $379,282,400 | 2,063 |
| Average earning assets | $364,467,400 | 2,024 |
| Average equity | $40,967,600 | 2,054 |
| Average total loans | $156,747,000 | 2,575 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6417% | 4,818 |
| Cost of funding earning assets | 0.1563% | 4,054 |
| Net interest margin | 1.4854% | 4,807 |
| Noninterest income to average assets | 2.1542% | 309 |
| Noninterest expense to average assets | 2.3610% | 2,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9505% | 3,078 |
| Return on assets (ROA) | 0.9505% | 3,162 |
| Pretax return on assets | 1.2251% | 2,849 |
| Return on Equity (ROE) | 9.5381% | 2,910 |
| Retained earnings to average equity (ytd only) | 9.5381% | 1,464 |
| Net charge-offs to loans | -0.2253% | 4,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8369% | 2,117 |
| Assets per employee ($millions) | 7.0563% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6762% | 219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 62.4759% | 1,952 |
| Net loans and leases to deposits | 76.9072% | 1,583 |
| Net loans and leases to core deposits | 83.0977% | 1,489 |
| Total domestic deposits to total assets | 81.2354% | 4,056 |
| Equity capital to assets | 16.6888% | 359 |
| Core capital (leverage) ratio | 16.4269% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4573% | 754 |
| Memoranda: | ||
| Average total assets | $410,720,250 | 1,971 |
| Average earning assets | $395,930,000 | 1,938 |
| Average equity | $40,929,750 | 2,080 |
| Average total loans | $155,060,250 | 2,624 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4285% | 4,874 |
| Cost of funding earning assets | 0.1450% | 4,250 |
| Net interest margin | 1.2835% | 4,869 |
| Noninterest income to average assets | 1.9432% | 345 |
| Noninterest expense to average assets | 2.0784% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8619% | 3,327 |
| Return on assets (ROA) | 0.8619% | 3,404 |
| Pretax return on assets | 1.1077% | 3,188 |
| Return on Equity (ROE) | 9.8661% | 2,796 |
| Retained earnings to average equity (ytd only) | 9.8661% | 1,439 |
| Net charge-offs to loans | -0.2795% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2339% | 2,267 |
| Assets per employee ($millions) | 6.7488% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6969% | 210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 62.3471% | 2,139 |
| Net loans and leases to deposits | 76.6982% | 1,753 |
| Net loans and leases to core deposits | 81.8908% | 1,734 |
| Total domestic deposits to total assets | 81.2889% | 4,046 |
| Equity capital to assets | 16.6019% | 365 |
| Core capital (leverage) ratio | 15.9964% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6071% | 745 |
| Memoranda: | ||
| Average total assets | $462,951,667 | 1,806 |
| Average earning assets | $448,310,333 | 1,765 |
| Average equity | $40,441,667 | 2,087 |
| Average total loans | $152,390,667 | 2,659 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1228% | 4,935 |
| Cost of funding earning assets | 0.1326% | 4,439 |
| Net interest margin | 0.9902% | 4,934 |
| Noninterest income to average assets | 1.5282% | 584 |
| Noninterest expense to average assets | 1.6784% | 4,416 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6103% | 3,911 |
| Return on assets (ROA) | 0.6103% | 3,978 |
| Pretax return on assets | 0.8146% | 3,783 |
| Return on Equity (ROE) | 8.7043% | 3,130 |
| Retained earnings to average equity (ytd only) | 8.7043% | 2,037 |
| Net charge-offs to loans | -0.1023% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3239% | 2,025 |
| Assets per employee ($millions) | 22.4696% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7772% | 190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 16.9741% | 4,883 |
| Net loans and leases to deposits | 64.1318% | 3,112 |
| Net loans and leases to core deposits | 68.0042% | 3,058 |
| Total domestic deposits to total assets | 26.4675% | 4,950 |
| Equity capital to assets | 4.7244% | 4,967 |
| Core capital (leverage) ratio | 14.8258% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1369% | 668 |
| Memoranda: | ||
| Average total assets | $569,574,000 | 1,514 |
| Average earning assets | $555,043,000 | 1,461 |
| Average equity | $39,934,500 | 2,095 |
| Average total loans | $148,586,000 | 2,711 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6934% | 4,797 |
| Cost of funding earning assets | 0.3161% | 4,053 |
| Net interest margin | 2.3773% | 4,669 |
| Noninterest income to average assets | 2.9278% | 205 |
| Noninterest expense to average assets | 3.6246% | 583 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1832% | 1,606 |
| Return on assets (ROA) | 1.1832% | 1,716 |
| Pretax return on assets | 1.5555% | 1,179 |
| Return on Equity (ROE) | 8.0384% | 2,805 |
| Retained earnings to average equity (ytd only) | 2.9588% | 3,381 |
| Net charge-offs to loans | -0.1172% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9719% | 1,950 |
| Assets per employee ($millions) | 7.9251% | 1,063 |
| Cash dividends to net income (ytd only)* | 63.1912% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7698% | 194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 50.4718% | 3,790 |
| Net loans and leases to deposits | 70.6288% | 2,811 |
| Net loans and leases to core deposits | 74.3269% | 2,886 |
| Total domestic deposits to total assets | 71.4606% | 4,737 |
| Equity capital to assets | 13.8554% | 831 |
| Core capital (leverage) ratio | 15.1042% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8991% | 670 |
| Memoranda: | ||
| Average total assets | $267,504,200 | 2,477 |
| Average earning assets | $253,439,000 | 2,450 |
| Average equity | $39,373,600 | 2,039 |
| Average total loans | $139,089,200 | 2,758 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8078% | 4,832 |
| Cost of funding earning assets | 0.3229% | 4,200 |
| Net interest margin | 2.4849% | 4,663 |
| Noninterest income to average assets | 2.9109% | 193 |
| Noninterest expense to average assets | 3.7563% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1419% | 1,847 |
| Return on assets (ROA) | 1.1419% | 1,962 |
| Pretax return on assets | 1.5064% | 1,436 |
| Return on Equity (ROE) | 7.6369% | 2,940 |
| Retained earnings to average equity (ytd only) | 7.6369% | 1,446 |
| Net charge-offs to loans | -0.1160% | 4,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3763% | 1,712 |
| Assets per employee ($millions) | 6.9196% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9011% | 152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 54.5232% | 3,754 |
| Net loans and leases to deposits | 67.4270% | 3,518 |
| Net loans and leases to core deposits | 69.4751% | 3,662 |
| Total domestic deposits to total assets | 80.8624% | 3,689 |
| Equity capital to assets | 16.3416% | 429 |
| Core capital (leverage) ratio | 15.9089% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2499% | 560 |
| Memoranda: | ||
| Average total assets | $263,054,250 | 2,489 |
| Average earning assets | $248,965,000 | 2,459 |
| Average equity | $39,334,500 | 2,037 |
| Average total loans | $136,836,500 | 2,785 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8010% | 4,909 |
| Cost of funding earning assets | 0.3456% | 4,291 |
| Net interest margin | 2.4554% | 4,759 |
| Noninterest income to average assets | 2.7837% | 183 |
| Noninterest expense to average assets | 3.7788% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0116% | 2,280 |
| Return on assets (ROA) | 1.0116% | 2,404 |
| Pretax return on assets | 1.3298% | 1,933 |
| Return on Equity (ROE) | 6.9656% | 3,145 |
| Retained earnings to average equity (ytd only) | 6.9656% | 1,676 |
| Net charge-offs to loans | -0.1325% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9690% | 1,466 |
| Assets per employee ($millions) | 6.6896% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7828% | 169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 52.6005% | 3,983 |
| Net loans and leases to deposits | 64.6819% | 3,833 |
| Net loans and leases to core deposits | 66.9688% | 3,924 |
| Total domestic deposits to total assets | 81.3218% | 3,535 |
| Equity capital to assets | 14.8682% | 640 |
| Core capital (leverage) ratio | 15.3099% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9869% | 582 |
| Memoranda: | ||
| Average total assets | $267,703,333 | 2,426 |
| Average earning assets | $253,477,000 | 2,397 |
| Average equity | $38,876,667 | 2,045 |
| Average total loans | $135,822,333 | 2,794 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0757% | 4,922 |
| Cost of funding earning assets | 0.4193% | 4,290 |
| Net interest margin | 2.6564% | 4,708 |
| Noninterest income to average assets | 2.4410% | 203 |
| Noninterest expense to average assets | 3.9244% | 546 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7813% | 2,970 |
| Return on assets (ROA) | 0.7813% | 3,051 |
| Pretax return on assets | 1.0338% | 2,725 |
| Return on Equity (ROE) | 5.4447% | 3,492 |
| Retained earnings to average equity (ytd only) | 5.4447% | 2,090 |
| Net charge-offs to loans | -0.1279% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1503% | 1,222 |
| Assets per employee ($millions) | 6.6019% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1052% | 139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 49.5163% | 4,263 |
| Net loans and leases to deposits | 60.9828% | 4,162 |
| Net loans and leases to core deposits | 63.2901% | 4,210 |
| Total domestic deposits to total assets | 81.1971% | 3,622 |
| Equity capital to assets | 15.4203% | 695 |
| Core capital (leverage) ratio | 12.3945% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3611% | 538 |
| Memoranda: | ||
| Average total assets | $267,762,500 | 2,380 |
| Average earning assets | $253,728,500 | 2,351 |
| Average equity | $38,422,500 | 2,044 |
| Average total loans | $131,343,500 | 2,817 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3817% | 4,927 |
| Cost of funding earning assets | 0.4390% | 4,312 |
| Net interest margin | 2.9427% | 4,594 |
| Noninterest income to average assets | 1.7959% | 306 |
| Noninterest expense to average assets | 3.5938% | 857 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7162% | 3,818 |
| Return on assets (ROA) | 0.7162% | 3,879 |
| Pretax return on assets | 0.9844% | 3,501 |
| Return on Equity (ROE) | 5.1395% | 4,171 |
| Retained earnings to average equity (ytd only) | -2.5088% | 4,894 |
| Net charge-offs to loans | -0.0790% | 4,918 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4974% | 1,095 |
| Assets per employee ($millions) | 7.4909% | 865 |
| Cash dividends to net income (ytd only)* | 148.8142% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9290% | 136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 45.8609% | 4,527 |
| Net loans and leases to deposits | 54.6994% | 4,510 |
| Net loans and leases to core deposits | 58.4798% | 4,499 |
| Total domestic deposits to total assets | 83.8418% | 2,896 |
| Equity capital to assets | 13.4057% | 1,327 |
| Core capital (leverage) ratio | 12.9326% | 1,262 |
| Tier 1 risk-based capital ratio | 20.7781% | 1,208 |
| Total risk-based capital ratio | 22.0387% | 1,172 |
| Memoranda: | ||
| Average total assets | $282,595,000 | 2,266 |
| Average earning assets | $267,205,400 | 2,231 |
| Average equity | $39,381,600 | 1,963 |
| Average total loans | $139,320,200 | 2,732 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4220% | 5,009 |
| Cost of funding earning assets | 0.4425% | 4,357 |
| Net interest margin | 2.9795% | 4,650 |
| Noninterest income to average assets | 1.7545% | 325 |
| Noninterest expense to average assets | 3.5686% | 881 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7378% | 3,887 |
| Return on assets (ROA) | 0.7378% | 3,954 |
| Pretax return on assets | 0.9992% | 3,603 |
| Return on Equity (ROE) | 5.2442% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.2442% | 2,763 |
| Net charge-offs to loans | 0.0028% | 3,321 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 704.6500% | 137 |
| Efficiency ratio | 78.1250% | 1,091 |
| Assets per employee ($millions) | 7.4203% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7377% | 164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,745 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 49.5090% | 4,454 |
| Net loans and leases to deposits | 60.9101% | 4,347 |
| Net loans and leases to core deposits | 65.5490% | 4,303 |
| Total domestic deposits to total assets | 81.2821% | 3,668 |
| Equity capital to assets | 14.8727% | 879 |
| Core capital (leverage) ratio | 15.0512% | 728 |
| Tier 1 risk-based capital ratio | 22.5208% | 1,007 |
| Total risk-based capital ratio | 23.7811% | 972 |
| Memoranda: | ||
| Average total assets | $282,080,250 | 2,282 |
| Average earning assets | $266,349,000 | 2,250 |
| Average equity | $39,687,000 | 1,954 |
| Average total loans | $140,529,250 | 2,745 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4508% | 5,045 |
| Cost of funding earning assets | 0.4331% | 4,382 |
| Net interest margin | 3.0177% | 4,655 |
| Noninterest income to average assets | 1.7639% | 317 |
| Noninterest expense to average assets | 3.5426% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7948% | 3,676 |
| Return on assets (ROA) | 0.7948% | 3,737 |
| Pretax return on assets | 1.0661% | 3,334 |
| Return on Equity (ROE) | 5.7550% | 4,132 |
| Retained earnings to average equity (ytd only) | 5.7550% | 2,395 |
| Net charge-offs to loans | 0.0739% | 1,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 29.1731% | 1,497 |
| Efficiency ratio | 76.8679% | 1,287 |
| Assets per employee ($millions) | 7.2688% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7466% | 168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,785 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 49.7271% | 4,485 |
| Net loans and leases to deposits | 60.4295% | 4,411 |
| Net loans and leases to core deposits | 65.1496% | 4,355 |
| Total domestic deposits to total assets | 82.2894% | 3,437 |
| Equity capital to assets | 14.9937% | 812 |
| Core capital (leverage) ratio | 14.3342% | 872 |
| Tier 1 risk-based capital ratio | 21.9390% | 1,060 |
| Total risk-based capital ratio | 23.1989% | 1,033 |
| Memoranda: | ||
| Average total assets | $284,590,330 | 2,265 |
| Average earning assets | $268,287,330 | 2,243 |
| Average equity | $39,305,000 | 1,967 |
| Average total loans | $140,788,000 | 2,753 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3991% | 5,110 |
| Cost of funding earning assets | 0.3841% | 4,557 |
| Net interest margin | 3.0150% | 4,728 |
| Noninterest income to average assets | 1.7468% | 302 |
| Noninterest expense to average assets | 3.4390% | 1,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8673% | 3,370 |
| Return on assets (ROA) | 0.8673% | 3,418 |
| Pretax return on assets | 1.1641% | 2,927 |
| Return on Equity (ROE) | 6.5369% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.5369% | 2,235 |
| Net charge-offs to loans | -0.1095% | 5,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7103% | 1,648 |
| Assets per employee ($millions) | 7.7531% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7914% | 165 |
| Loan loss allowance to noncurrent loans | 2,975.3846% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 4,573 |
| Noncurrent loans to loans | 0.0938% | 4,328 |
| Net loans and leases to total assets | 46.9566% | 4,620 |
| Net loans and leases to deposits | 55.6149% | 4,616 |
| Net loans and leases to core deposits | 59.1631% | 4,605 |
| Total domestic deposits to total assets | 84.4317% | 2,878 |
| Equity capital to assets | 13.7396% | 1,121 |
| Core capital (leverage) ratio | 13.6912% | 1,028 |
| Tier 1 risk-based capital ratio | 20.6278% | 1,224 |
| Total risk-based capital ratio | 21.8867% | 1,200 |
| Memoranda: | ||
| Average total assets | $292,412,500 | 2,236 |
| Average earning assets | $277,018,000 | 2,199 |
| Average equity | $38,795,000 | 1,978 |
| Average total loans | $142,424,000 | 2,772 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3134% | 5,075 |
| Cost of funding earning assets | 0.4213% | 3,850 |
| Net interest margin | 2.8921% | 4,931 |
| Noninterest income to average assets | 1.6564% | 350 |
| Noninterest expense to average assets | 3.2856% | 1,357 |
| Loan and lease loss provision to assets | -0.3224% | 5,365 |
| Net operating income to assets | 1.0221% | 2,922 |
| Return on assets (ROA) | 1.0221% | 2,910 |
| Pretax return on assets | 1.4307% | 2,029 |
| Return on Equity (ROE) | 7.8601% | 3,498 |
| Retained earnings to average equity (ytd only) | 1.5449% | 4,517 |
| Net charge-offs to loans | 0.2496% | 771 |
| Credit loss provision to net charge-offs | -263.8889% | 4,519 |
| Earnings coverage of net charge-offs (x) | 9.0722% | 2,839 |
| Efficiency ratio | 74.7760% | 1,526 |
| Assets per employee ($millions) | 8.0530% | 650 |
| Cash dividends to net income (ytd only)* | 80.3453% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6176% | 202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,897 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 47.8081% | 4,652 |
| Net loans and leases to deposits | 68.2947% | 3,954 |
| Net loans and leases to core deposits | 70.6754% | 4,086 |
| Total domestic deposits to total assets | 70.0027% | 5,151 |
| Equity capital to assets | 12.8125% | 1,429 |
| Core capital (leverage) ratio | 13.5608% | 1,058 |
| Tier 1 risk-based capital ratio | 19.5193% | 1,397 |
| Total risk-based capital ratio | 20.7773% | 1,368 |
| Memoranda: | ||
| Average total assets | $294,682,600 | 2,187 |
| Average earning assets | $278,928,600 | 2,143 |
| Average equity | $38,320,200 | 1,923 |
| Average total loans | $144,233,400 | 2,721 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2253% | 5,181 |
| Cost of funding earning assets | 0.3594% | 4,122 |
| Net interest margin | 2.8659% | 5,020 |
| Noninterest income to average assets | 1.7400% | 343 |
| Noninterest expense to average assets | 3.3593% | 1,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7872% | 3,949 |
| Return on assets (ROA) | 0.7872% | 3,961 |
| Pretax return on assets | 1.0907% | 3,435 |
| Return on Equity (ROE) | 5.9649% | 4,274 |
| Retained earnings to average equity (ytd only) | 0.1203% | 5,017 |
| Net charge-offs to loans | -0.0853% | 5,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4894% | 1,408 |
| Assets per employee ($millions) | 7.7651% | 701 |
| Cash dividends to net income (ytd only)* | 97.9825% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6140% | 79 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 5,000 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 49.9065% | 4,601 |
| Net loans and leases to deposits | 71.1069% | 3,840 |
| Net loans and leases to core deposits | 73.6019% | 3,970 |
| Total domestic deposits to total assets | 70.1851% | 5,205 |
| Equity capital to assets | 13.9255% | 981 |
| Core capital (leverage) ratio | 13.2543% | 1,187 |
| Tier 1 risk-based capital ratio | 20.3440% | 1,277 |
| Total risk-based capital ratio | 21.6113% | 1,249 |
| Memoranda: | ||
| Average total assets | $293,863,250 | 2,202 |
| Average earning assets | $277,880,250 | 2,159 |
| Average equity | $38,781,250 | 1,917 |
| Average total loans | $143,722,250 | 2,741 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0413% | 5,319 |
| Cost of funding earning assets | 0.2387% | 4,809 |
| Net interest margin | 2.8026% | 5,114 |
| Noninterest income to average assets | 1.7413% | 341 |
| Noninterest expense to average assets | 3.3285% | 1,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7682% | 3,965 |
| Return on assets (ROA) | 0.7682% | 3,970 |
| Pretax return on assets | 1.0628% | 3,464 |
| Return on Equity (ROE) | 5.9227% | 4,265 |
| Retained earnings to average equity (ytd only) | -2.8555% | 5,203 |
| Net charge-offs to loans | -0.0837% | 5,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7969% | 1,451 |
| Assets per employee ($millions) | 8.2311% | 578 |
| Cash dividends to net income (ytd only)* | 148.2127% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6239% | 74 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 4,211 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 46.6610% | 4,789 |
| Net loans and leases to deposits | 66.0897% | 4,160 |
| Net loans and leases to core deposits | 67.4766% | 4,284 |
| Total domestic deposits to total assets | 70.6025% | 5,255 |
| Equity capital to assets | 12.9840% | 1,298 |
| Core capital (leverage) ratio | 13.7281% | 985 |
| Tier 1 risk-based capital ratio | 20.5560% | 1,236 |
| Total risk-based capital ratio | 21.8241% | 1,207 |
| Memoranda: | ||
| Average total assets | $298,636,000 | 2,181 |
| Average earning assets | $282,379,670 | 2,143 |
| Average equity | $38,732,330 | 1,915 |
| Average total loans | $143,382,330 | 2,758 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9230% | 5,406 |
| Cost of funding earning assets | 0.1708% | 5,160 |
| Net interest margin | 2.7522% | 5,210 |
| Noninterest income to average assets | 1.7959% | 311 |
| Noninterest expense to average assets | 3.2956% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7952% | 3,721 |
| Return on assets (ROA) | 0.7952% | 3,729 |
| Pretax return on assets | 1.1021% | 3,168 |
| Return on Equity (ROE) | 6.1346% | 4,113 |
| Retained earnings to average equity (ytd only) | -11.3634% | 5,397 |
| Net charge-offs to loans | -0.0558% | 5,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9393% | 1,753 |
| Assets per employee ($millions) | 7.7305% | 699 |
| Cash dividends to net income (ytd only)* | 285.2349% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6680% | 79 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 4,254 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 48.6847% | 4,651 |
| Net loans and leases to deposits | 57.5907% | 4,607 |
| Net loans and leases to core deposits | 58.8532% | 4,708 |
| Total domestic deposits to total assets | 84.5357% | 3,108 |
| Equity capital to assets | 13.6763% | 986 |
| Core capital (leverage) ratio | 13.6943% | 951 |
| Tier 1 risk-based capital ratio | 20.8351% | 1,226 |
| Total risk-based capital ratio | 22.1048% | 1,203 |
| Memoranda: | ||
| Average total assets | $299,795,000 | 2,197 |
| Average earning assets | $283,408,000 | 2,160 |
| Average equity | $38,861,500 | 1,919 |
| Average total loans | $143,341,500 | 2,771 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8016% | 5,461 |
| Cost of funding earning assets | 0.1569% | 5,223 |
| Net interest margin | 2.6448% | 5,318 |
| Noninterest income to average assets | 2.1213% | 271 |
| Noninterest expense to average assets | 3.1897% | 1,633 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9624% | 2,395 |
| Return on assets (ROA) | 0.9624% | 2,428 |
| Pretax return on assets | 1.4237% | 1,913 |
| Return on Equity (ROE) | 7.3606% | 3,094 |
| Retained earnings to average equity (ytd only) | 5.0379% | 2,102 |
| Net charge-offs to loans | -0.0933% | 5,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1391% | 2,671 |
| Assets per employee ($millions) | 8.9248% | 462 |
| Cash dividends to net income (ytd only)* | 31.5568% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5190% | 87 |
| Loan loss allowance to noncurrent loans | 7,786.3636% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 3,843 |
| Noncurrent loans to loans | 0.0452% | 4,796 |
| Net loans and leases to total assets | 43.8531% | 4,983 |
| Net loans and leases to deposits | 64.2358% | 4,306 |
| Net loans and leases to core deposits | 65.7486% | 4,427 |
| Total domestic deposits to total assets | 68.2690% | 5,464 |
| Equity capital to assets | 12.3446% | 1,617 |
| Core capital (leverage) ratio | 13.7961% | 889 |
| Tier 1 risk-based capital ratio | 20.4069% | 1,248 |
| Total risk-based capital ratio | 21.6746% | 1,216 |
| Memoranda: | ||
| Average total assets | $296,332,000 | 2,187 |
| Average earning assets | $279,231,600 | 2,159 |
| Average equity | $38,746,600 | 1,907 |
| Average total loans | $134,993,200 | 2,849 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8171% | 5,513 |
| Cost of funding earning assets | 0.1500% | 5,309 |
| Net interest margin | 2.6671% | 5,356 |
| Noninterest income to average assets | 2.2213% | 266 |
| Noninterest expense to average assets | 3.2904% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9440% | 2,811 |
| Return on assets (ROA) | 0.9440% | 2,871 |
| Pretax return on assets | 1.4404% | 1,969 |
| Return on Equity (ROE) | 7.1100% | 3,598 |
| Retained earnings to average equity (ytd only) | 3.9946% | 3,548 |
| Net charge-offs to loans | -0.0192% | 4,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5521% | 2,610 |
| Assets per employee ($millions) | 7.9808% | 638 |
| Cash dividends to net income (ytd only)* | 43.8169% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6766% | 87 |
| Loan loss allowance to noncurrent loans | 7,510.4478% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 3,375 |
| Noncurrent loans to loans | 0.0490% | 4,892 |
| Net loans and leases to total assets | 44.6451% | 5,000 |
| Net loans and leases to deposits | 58.8270% | 4,692 |
| Net loans and leases to core deposits | 60.7370% | 4,782 |
| Total domestic deposits to total assets | 75.8921% | 5,030 |
| Equity capital to assets | 13.3293% | 1,240 |
| Core capital (leverage) ratio | 13.4857% | 1,025 |
| Tier 1 risk-based capital ratio | 21.0807% | 1,180 |
| Total risk-based capital ratio | 22.3501% | 1,157 |
| Memoranda: | ||
| Average total assets | $290,092,250 | 2,231 |
| Average earning assets | $272,947,000 | 2,210 |
| Average equity | $38,517,750 | 1,935 |
| Average total loans | $132,232,750 | 2,907 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7716% | 5,566 |
| Cost of funding earning assets | 0.1077% | 5,567 |
| Net interest margin | 2.6639% | 5,398 |
| Noninterest income to average assets | 2.3422% | 247 |
| Noninterest expense to average assets | 3.2210% | 1,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0757% | 2,103 |
| Return on assets (ROA) | 1.0757% | 2,150 |
| Pretax return on assets | 1.6251% | 1,262 |
| Return on Equity (ROE) | 8.1126% | 2,959 |
| Retained earnings to average equity (ytd only) | 3.4051% | 3,685 |
| Net charge-offs to loans | -0.0046% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4663% | 3,271 |
| Assets per employee ($millions) | 7.1710% | 857 |
| Cash dividends to net income (ytd only)* | 58.0271% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6361% | 84 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 3,190 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 50.1023% | 4,703 |
| Net loans and leases to deposits | 60.7820% | 4,576 |
| Net loans and leases to core deposits | 63.1038% | 4,664 |
| Total domestic deposits to total assets | 82.4296% | 3,758 |
| Equity capital to assets | 14.6544% | 781 |
| Core capital (leverage) ratio | 13.2463% | 1,078 |
| Tier 1 risk-based capital ratio | 20.8174% | 1,223 |
| Total risk-based capital ratio | 22.0864% | 1,190 |
| Memoranda: | ||
| Average total assets | $288,360,000 | 2,247 |
| Average earning assets | $271,030,330 | 2,230 |
| Average equity | $38,237,000 | 1,945 |
| Average total loans | $130,689,000 | 2,938 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5640% | 5,700 |
| Cost of funding earning assets | 0.0708% | 5,743 |
| Net interest margin | 2.4931% | 5,552 |
| Noninterest income to average assets | 2.4810% | 234 |
| Noninterest expense to average assets | 3.1093% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1698% | 1,590 |
| Return on assets (ROA) | 1.1698% | 1,634 |
| Pretax return on assets | 1.7194% | 967 |
| Return on Equity (ROE) | 9.2524% | 2,293 |
| Retained earnings to average equity (ytd only) | -0.2427% | 4,959 |
| Net charge-offs to loans | -0.0094% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3923% | 3,773 |
| Assets per employee ($millions) | 8.4270% | 518 |
| Cash dividends to net income (ytd only)* | 102.6226% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8356% | 87 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 3,432 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 40.3335% | 5,238 |
| Net loans and leases to deposits | 47.5023% | 5,244 |
| Net loans and leases to core deposits | 49.5214% | 5,241 |
| Total domestic deposits to total assets | 84.9086% | 3,123 |
| Equity capital to assets | 12.1953% | 1,713 |
| Core capital (leverage) ratio | 11.9681% | 1,652 |
| Tier 1 risk-based capital ratio | 22.1154% | 1,072 |
| Total risk-based capital ratio | 23.3873% | 1,052 |
| Memoranda: | ||
| Average total assets | $299,876,500 | 2,212 |
| Average earning assets | $282,375,500 | 2,181 |
| Average equity | $37,914,500 | 1,964 |
| Average total loans | $127,058,000 | 3,006 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4620% | 5,767 |
| Cost of funding earning assets | 0.0754% | 5,790 |
| Net interest margin | 2.3866% | 5,656 |
| Noninterest income to average assets | 2.2893% | 284 |
| Noninterest expense to average assets | 3.2648% | 1,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7977% | 3,314 |
| Return on assets (ROA) | 0.7804% | 3,503 |
| Pretax return on assets | 1.2188% | 2,593 |
| Return on Equity (ROE) | 5.8168% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.8168% | 1,811 |
| Net charge-offs to loans | -0.0851% | 5,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3805% | 2,530 |
| Assets per employee ($millions) | 7.7825% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0644% | 75 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 2,108 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 41.0925% | 5,273 |
| Net loans and leases to deposits | 49.8286% | 5,220 |
| Net loans and leases to core deposits | 52.4327% | 5,209 |
| Total domestic deposits to total assets | 82.4676% | 3,946 |
| Equity capital to assets | 13.1285% | 1,208 |
| Core capital (leverage) ratio | 12.4337% | 1,366 |
| Tier 1 risk-based capital ratio | 21.5383% | 1,135 |
| Total risk-based capital ratio | 22.8120% | 1,116 |
| Memoranda: | ||
| Average total assets | $277,815,400 | 2,300 |
| Average earning assets | $258,568,800 | 2,289 |
| Average equity | $37,271,400 | 1,963 |
| Average total loans | $119,790,600 | 3,073 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4306% | 5,841 |
| Cost of funding earning assets | 0.0756% | 5,857 |
| Net interest margin | 2.3550% | 5,745 |
| Noninterest income to average assets | 2.3055% | 290 |
| Noninterest expense to average assets | 3.3647% | 1,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7248% | 3,724 |
| Return on assets (ROA) | 0.7226% | 3,861 |
| Pretax return on assets | 1.1256% | 3,134 |
| Return on Equity (ROE) | 5.3564% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.3564% | 2,582 |
| Net charge-offs to loans | -0.0695% | 5,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8761% | 2,127 |
| Assets per employee ($millions) | 7.3674% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0314% | 75 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9975% | 2,077 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 43.4285% | 5,228 |
| Net loans and leases to deposits | 53.8408% | 5,122 |
| Net loans and leases to core deposits | 56.3509% | 5,133 |
| Total domestic deposits to total assets | 80.6609% | 4,334 |
| Equity capital to assets | 13.9266% | 1,070 |
| Core capital (leverage) ratio | 13.2830% | 1,078 |
| Tier 1 risk-based capital ratio | 21.6439% | 1,175 |
| Total risk-based capital ratio | 22.9184% | 1,158 |
| Memoranda: | ||
| Average total assets | $275,281,000 | 2,323 |
| Average earning assets | $255,788,500 | 2,322 |
| Average equity | $37,138,250 | 1,983 |
| Average total loans | $118,903,250 | 3,093 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4281% | 5,922 |
| Cost of funding earning assets | 0.0750% | 5,940 |
| Net interest margin | 2.3531% | 5,833 |
| Noninterest income to average assets | 2.2906% | 285 |
| Noninterest expense to average assets | 3.3290% | 1,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7285% | 3,662 |
| Return on assets (ROA) | 0.7285% | 3,814 |
| Pretax return on assets | 1.1427% | 3,023 |
| Return on Equity (ROE) | 5.4580% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.4580% | 2,447 |
| Net charge-offs to loans | -0.1056% | 5,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4453% | 2,300 |
| Assets per employee ($millions) | 7.4996% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2744% | 61 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0638% | 1,999 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 40.1354% | 5,414 |
| Net loans and leases to deposits | 48.9334% | 5,383 |
| Net loans and leases to core deposits | 51.1338% | 5,394 |
| Total domestic deposits to total assets | 82.0204% | 3,988 |
| Equity capital to assets | 13.5319% | 1,225 |
| Core capital (leverage) ratio | 12.5683% | 1,318 |
| Tier 1 risk-based capital ratio | 22.6125% | 1,063 |
| Total risk-based capital ratio | 23.8893% | 1,040 |
| Memoranda: | ||
| Average total assets | $276,177,000 | 2,328 |
| Average earning assets | $256,004,670 | 2,334 |
| Average equity | $36,863,330 | 2,000 |
| Average total loans | $117,419,000 | 3,119 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4468% | 5,983 |
| Cost of funding earning assets | 0.0768% | 5,996 |
| Net interest margin | 2.3700% | 5,892 |
| Noninterest income to average assets | 2.3330% | 276 |
| Noninterest expense to average assets | 3.3812% | 1,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7361% | 3,558 |
| Return on assets (ROA) | 0.7361% | 3,665 |
| Pretax return on assets | 1.1484% | 2,896 |
| Return on Equity (ROE) | 5.5530% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.5530% | 2,609 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6474% | 2,384 |
| Assets per employee ($millions) | 7.9038% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2194% | 80 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0826% | 2,046 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 38.1209% | 5,554 |
| Net loans and leases to deposits | 45.4605% | 5,539 |
| Net loans and leases to core deposits | 47.3517% | 5,538 |
| Total domestic deposits to total assets | 83.8549% | 3,576 |
| Equity capital to assets | 12.6121% | 1,613 |
| Core capital (leverage) ratio | 11.9119% | 1,671 |
| Tier 1 risk-based capital ratio | 22.3145% | 1,118 |
| Total risk-based capital ratio | 23.5911% | 1,090 |
| Memoranda: | ||
| Average total assets | $275,522,500 | 2,339 |
| Average earning assets | $255,354,500 | 2,345 |
| Average equity | $36,520,500 | 2,011 |
| Average total loans | $117,957,000 | 3,118 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2570% | 6,063 |
| Cost of funding earning assets | 0.1152% | 5,902 |
| Net interest margin | 2.1418% | 6,007 |
| Noninterest income to average assets | 2.1232% | 323 |
| Noninterest expense to average assets | 3.4385% | 1,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4321% | 4,944 |
| Return on assets (ROA) | 0.4321% | 5,022 |
| Pretax return on assets | 0.6747% | 4,598 |
| Return on Equity (ROE) | 3.4077% | 5,165 |
| Retained earnings to average equity (ytd only) | -2.3551% | 5,774 |
| Net charge-offs to loans | -0.1721% | 5,930 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5959% | 1,219 |
| Assets per employee ($millions) | 7.1834% | 826 |
| Cash dividends to net income (ytd only)* | 169.1117% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1089% | 80 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3035% | 1,631 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 44.3191% | 5,264 |
| Net loans and leases to deposits | 56.1852% | 5,032 |
| Net loans and leases to core deposits | 58.7165% | 5,064 |
| Total domestic deposits to total assets | 78.8805% | 4,999 |
| Equity capital to assets | 13.9820% | 935 |
| Core capital (leverage) ratio | 12.4187% | 1,392 |
| Tier 1 risk-based capital ratio | 20.5301% | 1,373 |
| Total risk-based capital ratio | 21.8088% | 1,344 |
| Memoranda: | ||
| Average total assets | $283,960,800 | 2,240 |
| Average earning assets | $263,846,400 | 2,244 |
| Average equity | $36,006,400 | 1,983 |
| Average total loans | $112,155,800 | 3,164 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2259% | 6,164 |
| Cost of funding earning assets | 0.1234% | 5,960 |
| Net interest margin | 2.1025% | 6,100 |
| Noninterest income to average assets | 2.0603% | 345 |
| Noninterest expense to average assets | 3.4042% | 1,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3931% | 5,185 |
| Return on assets (ROA) | 0.3931% | 5,277 |
| Pretax return on assets | 0.6127% | 4,945 |
| Return on Equity (ROE) | 3.1731% | 5,328 |
| Retained earnings to average equity (ytd only) | -4.5186% | 6,010 |
| Net charge-offs to loans | 0.1450% | 1,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 11.1164% | 2,530 |
| Efficiency ratio | 84.7473% | 1,104 |
| Assets per employee ($millions) | 7.0165% | 861 |
| Cash dividends to net income (ytd only)* | 242.4078% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3955% | 69 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3646% | 1,697 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 39.5932% | 5,615 |
| Net loans and leases to deposits | 48.5898% | 5,529 |
| Net loans and leases to core deposits | 52.6283% | 5,473 |
| Total domestic deposits to total assets | 81.4845% | 4,330 |
| Equity capital to assets | 14.2311% | 939 |
| Core capital (leverage) ratio | 12.0966% | 1,621 |
| Tier 1 risk-based capital ratio | 22.5912% | 1,112 |
| Total risk-based capital ratio | 23.8723% | 1,085 |
| Memoranda: | ||
| Average total assets | $290,300,000 | 2,222 |
| Average earning assets | $270,146,000 | 2,214 |
| Average equity | $35,968,500 | 1,993 |
| Average total loans | $110,314,250 | 3,226 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1636% | 6,244 |
| Cost of funding earning assets | 0.1217% | 6,036 |
| Net interest margin | 2.0418% | 6,201 |
| Noninterest income to average assets | 1.9685% | 379 |
| Noninterest expense to average assets | 3.2423% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4114% | 5,104 |
| Return on assets (ROA) | 0.4114% | 5,207 |
| Pretax return on assets | 0.6313% | 4,890 |
| Return on Equity (ROE) | 3.4635% | 5,247 |
| Retained earnings to average equity (ytd only) | -8.0721% | 6,130 |
| Net charge-offs to loans | 0.2566% | 1,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.6389% | 2,758 |
| Efficiency ratio | 83.7027% | 1,296 |
| Assets per employee ($millions) | 7.4144% | 690 |
| Cash dividends to net income (ytd only)* | 333.0658% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0671% | 102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2561% | 1,995 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 39.3278% | 5,667 |
| Net loans and leases to deposits | 48.9255% | 5,559 |
| Net loans and leases to core deposits | 53.3821% | 5,461 |
| Total domestic deposits to total assets | 80.3830% | 4,780 |
| Equity capital to assets | 12.9580% | 1,425 |
| Core capital (leverage) ratio | 10.8818% | 2,532 |
| Tier 1 risk-based capital ratio | 21.8896% | 1,224 |
| Total risk-based capital ratio | 23.1695% | 1,201 |
| Memoranda: | ||
| Average total assets | $302,868,670 | 2,167 |
| Average earning assets | $282,588,000 | 2,149 |
| Average equity | $35,975,670 | 2,003 |
| Average total loans | $112,216,330 | 3,203 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0399% | 6,332 |
| Cost of funding earning assets | 0.1213% | 6,107 |
| Net interest margin | 1.9186% | 6,295 |
| Noninterest income to average assets | 1.9008% | 384 |
| Noninterest expense to average assets | 2.9653% | 2,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4806% | 4,762 |
| Return on assets (ROA) | 0.4806% | 4,881 |
| Pretax return on assets | 0.7315% | 4,494 |
| Return on Equity (ROE) | 4.2112% | 4,885 |
| Retained earnings to average equity (ytd only) | -18.7237% | 6,259 |
| Net charge-offs to loans | 0.0535% | 2,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 38.6667% | 996 |
| Efficiency ratio | 80.2115% | 1,872 |
| Assets per employee ($millions) | 9.7125% | 280 |
| Cash dividends to net income (ytd only)* | 544.6194% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3900% | 95 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0461% | 2,525 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 30.1309% | 6,068 |
| Net loans and leases to deposits | 36.2253% | 6,051 |
| Net loans and leases to core deposits | 38.7483% | 6,016 |
| Total domestic deposits to total assets | 83.1763% | 4,129 |
| Equity capital to assets | 10.4405% | 3,599 |
| Core capital (leverage) ratio | 9.6561% | 4,064 |
| Tier 1 risk-based capital ratio | 23.2909% | 1,074 |
| Total risk-based capital ratio | 24.5786% | 1,045 |
| Memoranda: | ||
| Average total assets | $317,136,500 | 2,101 |
| Average earning assets | $296,881,000 | 2,071 |
| Average equity | $36,189,500 | 1,998 |
| Average total loans | $112,093,000 | 3,225 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1685% | 6,403 |
| Cost of funding earning assets | 0.1499% | 6,104 |
| Net interest margin | 2.0187% | 6,366 |
| Noninterest income to average assets | 1.8540% | 384 |
| Noninterest expense to average assets | 3.2113% | 2,181 |
| Loan and lease loss provision to assets | -0.1598% | 6,239 |
| Net operating income to assets | 0.4503% | 5,017 |
| Return on assets (ROA) | 0.4503% | 5,109 |
| Pretax return on assets | 0.6836% | 4,682 |
| Return on Equity (ROE) | 3.6830% | 5,242 |
| Retained earnings to average equity (ytd only) | -3.8974% | 6,132 |
| Net charge-offs to loans | -2.2445% | 6,465 |
| Credit loss provision to net charge-offs | 19.9283% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9759% | 1,174 |
| Assets per employee ($millions) | 8.9240% | 351 |
| Cash dividends to net income (ytd only)* | 205.8197% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0305% | 129 |
| Loan loss allowance to noncurrent loans | 596.4602% | 927 |
| Noncurrent assets plus other real estate owned to assets | 1.4177% | 1,947 |
| Noncurrent loans to loans | 0.6757% | 3,655 |
| Net loans and leases to total assets | 38.1468% | 5,839 |
| Net loans and leases to deposits | 46.8986% | 5,753 |
| Net loans and leases to core deposits | 50.9761% | 5,669 |
| Total domestic deposits to total assets | 81.3390% | 4,641 |
| Equity capital to assets | 12.5787% | 1,596 |
| Core capital (leverage) ratio | 11.5531% | 1,939 |
| Tier 1 risk-based capital ratio | 22.3748% | 1,167 |
| Total risk-based capital ratio | 23.6470% | 1,148 |
| Memoranda: | ||
| Average total assets | $312,898,000 | 2,078 |
| Average earning assets | $291,580,400 | 2,060 |
| Average equity | $38,256,600 | 1,847 |
| Average total loans | $111,783,800 | 3,186 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1301% | 6,488 |
| Cost of funding earning assets | 0.1515% | 6,177 |
| Net interest margin | 1.9786% | 6,454 |
| Noninterest income to average assets | 1.8948% | 379 |
| Noninterest expense to average assets | 3.2188% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3443% | 5,447 |
| Return on assets (ROA) | 0.3443% | 5,518 |
| Pretax return on assets | 0.5186% | 5,268 |
| Return on Equity (ROE) | 2.8353% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.8353% | 4,585 |
| Net charge-offs to loans | -3.5630% | 6,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1236% | 1,171 |
| Assets per employee ($millions) | 8.5278% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0810% | 75 |
| Loan loss allowance to noncurrent loans | 708.5106% | 748 |
| Noncurrent assets plus other real estate owned to assets | 1.4949% | 2,057 |
| Noncurrent loans to loans | 0.7171% | 3,815 |
| Net loans and leases to total assets | 37.5796% | 5,961 |
| Net loans and leases to deposits | 48.0965% | 5,759 |
| Net loans and leases to core deposits | 52.7530% | 5,639 |
| Total domestic deposits to total assets | 78.1338% | 5,504 |
| Equity capital to assets | 13.9217% | 1,034 |
| Core capital (leverage) ratio | 12.6002% | 1,350 |
| Tier 1 risk-based capital ratio | 24.5338% | 931 |
| Total risk-based capital ratio | 25.8145% | 913 |
| Memoranda: | ||
| Average total assets | $317,499,750 | 2,059 |
| Average earning assets | $295,695,000 | 2,034 |
| Average equity | $38,560,000 | 1,841 |
| Average total loans | $110,465,500 | 3,228 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0493% | 6,567 |
| Cost of funding earning assets | 0.1504% | 6,264 |
| Net interest margin | 1.8988% | 6,539 |
| Noninterest income to average assets | 1.8742% | 383 |
| Noninterest expense to average assets | 3.1657% | 2,292 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3211% | 5,492 |
| Return on assets (ROA) | 0.3211% | 5,572 |
| Pretax return on assets | 0.4783% | 5,338 |
| Return on Equity (ROE) | 2.7585% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.7585% | 4,443 |
| Net charge-offs to loans | -3.6768% | 6,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8754% | 1,184 |
| Assets per employee ($millions) | 8.2941% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3081% | 145 |
| Loan loss allowance to noncurrent loans | 549.8258% | 846 |
| Noncurrent assets plus other real estate owned to assets | 1.6889% | 1,931 |
| Noncurrent loans to loans | 0.7835% | 3,741 |
| Net loans and leases to total assets | 35.2160% | 6,092 |
| Net loans and leases to deposits | 42.4799% | 6,052 |
| Net loans and leases to core deposits | 46.3480% | 5,980 |
| Total domestic deposits to total assets | 82.9002% | 4,341 |
| Equity capital to assets | 13.0229% | 1,359 |
| Core capital (leverage) ratio | 10.7744% | 2,650 |
| Tier 1 risk-based capital ratio | 25.3446% | 838 |
| Total risk-based capital ratio | 26.6202% | 818 |
| Memoranda: | ||
| Average total assets | $329,527,670 | 1,981 |
| Average earning assets | $307,134,670 | 1,965 |
| Average equity | $38,354,000 | 1,841 |
| Average total loans | $110,148,670 | 3,239 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9446% | 6,652 |
| Cost of funding earning assets | 0.1450% | 6,381 |
| Net interest margin | 1.7996% | 6,630 |
| Noninterest income to average assets | 1.7728% | 407 |
| Noninterest expense to average assets | 2.9531% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3397% | 5,356 |
| Return on assets (ROA) | 0.3397% | 5,411 |
| Pretax return on assets | 0.5032% | 5,161 |
| Return on Equity (ROE) | 3.0770% | 5,433 |
| Retained earnings to average equity (ytd only) | 3.0770% | 4,271 |
| Net charge-offs to loans | -7.3268% | 6,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4411% | 1,504 |
| Assets per employee ($millions) | 9.4089% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3655% | 140 |
| Loan loss allowance to noncurrent loans | 547.3380% | 869 |
| Noncurrent assets plus other real estate owned to assets | 1.4328% | 2,478 |
| Noncurrent loans to loans | 0.7976% | 3,879 |
| Net loans and leases to total assets | 28.9752% | 6,391 |
| Net loans and leases to deposits | 33.6063% | 6,385 |
| Net loans and leases to core deposits | 36.1447% | 6,359 |
| Total domestic deposits to total assets | 86.2197% | 3,248 |
| Equity capital to assets | 10.7373% | 2,997 |
| Core capital (leverage) ratio | 10.1363% | 3,376 |
| Tier 1 risk-based capital ratio | 26.0416% | 789 |
| Total risk-based capital ratio | 27.3181% | 772 |
| Memoranda: | ||
| Average total assets | $344,997,000 | 1,904 |
| Average earning assets | $322,740,000 | 1,867 |
| Average equity | $38,088,500 | 1,847 |
| Average total loans | $110,280,500 | 3,256 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1484% | 6,696 |
| Cost of funding earning assets | 0.1452% | 6,557 |
| Net interest margin | 2.0032% | 6,646 |
| Noninterest income to average assets | 1.6179% | 548 |
| Noninterest expense to average assets | 3.2171% | 2,366 |
| Loan and lease loss provision to assets | 0.0225% | 4,678 |
| Net operating income to assets | 0.1856% | 5,863 |
| Return on assets (ROA) | 0.1882% | 5,927 |
| Pretax return on assets | 0.2583% | 5,832 |
| Return on Equity (ROE) | 1.6597% | 5,943 |
| Retained earnings to average equity (ytd only) | 1.6597% | 5,041 |
| Net charge-offs to loans | 0.6721% | 965 |
| Credit loss provision to net charge-offs | 9.1019% | 4,595 |
| Earnings coverage of net charge-offs (x) | 1.1226% | 4,701 |
| Efficiency ratio | 92.0676% | 878 |
| Assets per employee ($millions) | 8.7488% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4137% | 914 |
| Loan loss allowance to noncurrent loans | 273.0847% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 1.7260% | 2,141 |
| Noncurrent loans to loans | 0.8839% | 3,774 |
| Net loans and leases to total assets | 32.9444% | 6,340 |
| Net loans and leases to deposits | 47.1398% | 5,944 |
| Net loans and leases to core deposits | 51.7871% | 5,810 |
| Total domestic deposits to total assets | 69.8867% | 6,524 |
| Equity capital to assets | 11.3661% | 2,269 |
| Core capital (leverage) ratio | 10.7695% | 2,604 |
| Tier 1 risk-based capital ratio | 21.5649% | 1,323 |
| Total risk-based capital ratio | 22.8198% | 1,305 |
| Memoranda: | ||
| Average total assets | $333,714,400 | 1,927 |
| Average earning assets | $312,602,600 | 1,897 |
| Average equity | $37,838,000 | 1,836 |
| Average total loans | $122,599,600 | 2,993 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1889% | 6,772 |
| Cost of funding earning assets | 0.1409% | 6,668 |
| Net interest margin | 2.0479% | 6,712 |
| Noninterest income to average assets | 1.7766% | 492 |
| Noninterest expense to average assets | 3.2627% | 2,168 |
| Loan and lease loss provision to assets | 0.0299% | 4,408 |
| Net operating income to assets | 0.2797% | 5,676 |
| Return on assets (ROA) | 0.2830% | 5,782 |
| Pretax return on assets | 0.4087% | 5,603 |
| Return on Equity (ROE) | 2.4975% | 5,783 |
| Retained earnings to average equity (ytd only) | 2.4975% | 4,822 |
| Net charge-offs to loans | -0.3621% | 6,744 |
| Credit loss provision to net charge-offs | -22.0588% | 5,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2626% | 1,140 |
| Assets per employee ($millions) | 7.3911% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4333% | 355 |
| Loan loss allowance to noncurrent loans | 697.8378% | 679 |
| Noncurrent assets plus other real estate owned to assets | 2.0750% | 1,933 |
| Noncurrent loans to loans | 0.4920% | 4,969 |
| Net loans and leases to total assets | 38.7860% | 6,119 |
| Net loans and leases to deposits | 46.7637% | 6,048 |
| Net loans and leases to core deposits | 51.7265% | 5,905 |
| Total domestic deposits to total assets | 82.9404% | 4,595 |
| Equity capital to assets | 13.5223% | 1,110 |
| Core capital (leverage) ratio | 11.4241% | 2,101 |
| Tier 1 risk-based capital ratio | 22.9225% | 1,161 |
| Total risk-based capital ratio | 24.1881% | 1,138 |
| Memoranda: | ||
| Average total assets | $334,029,500 | 1,936 |
| Average earning assets | $313,152,750 | 1,910 |
| Average equity | $37,850,750 | 1,846 |
| Average total loans | $125,191,000 | 2,955 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1248% | 6,830 |
| Cost of funding earning assets | 0.1257% | 6,767 |
| Net interest margin | 1.9992% | 6,764 |
| Noninterest income to average assets | 1.6796% | 580 |
| Noninterest expense to average assets | 3.1443% | 2,533 |
| Loan and lease loss provision to assets | 0.0426% | 4,106 |
| Net operating income to assets | 0.2680% | 5,723 |
| Return on assets (ROA) | 0.2729% | 5,836 |
| Pretax return on assets | 0.3810% | 5,678 |
| Return on Equity (ROE) | 2.5391% | 5,780 |
| Retained earnings to average equity (ytd only) | 2.5391% | 4,682 |
| Net charge-offs to loans | -0.2969% | 6,755 |
| Credit loss provision to net charge-offs | -39.0625% | 5,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2963% | 1,194 |
| Assets per employee ($millions) | 8.5582% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0699% | 540 |
| Loan loss allowance to noncurrent loans | 671.1712% | 669 |
| Noncurrent assets plus other real estate owned to assets | 1.7802% | 2,438 |
| Noncurrent loans to loans | 0.4574% | 5,115 |
| Net loans and leases to total assets | 34.3577% | 6,395 |
| Net loans and leases to deposits | 42.1206% | 6,323 |
| Net loans and leases to core deposits | 45.4344% | 6,258 |
| Total domestic deposits to total assets | 81.5697% | 5,193 |
| Equity capital to assets | 10.9965% | 2,750 |
| Core capital (leverage) ratio | 10.2830% | 3,120 |
| Tier 1 risk-based capital ratio | 22.9962% | 1,133 |
| Total risk-based capital ratio | 24.2599% | 1,118 |
| Memoranda: | ||
| Average total assets | $351,752,000 | 1,853 |
| Average earning assets | $331,036,670 | 1,807 |
| Average equity | $37,808,000 | 1,859 |
| Average total loans | $129,318,670 | 2,894 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1282% | 6,909 |
| Cost of funding earning assets | 0.1074% | 6,893 |
| Net interest margin | 2.0208% | 6,831 |
| Noninterest income to average assets | 1.7270% | 534 |
| Noninterest expense to average assets | 2.9961% | 3,008 |
| Loan and lease loss provision to assets | 0.0842% | 3,250 |
| Net operating income to assets | 0.3744% | 5,236 |
| Return on assets (ROA) | 0.3737% | 5,376 |
| Pretax return on assets | 0.5465% | 5,125 |
| Return on Equity (ROE) | 3.5154% | 5,329 |
| Retained earnings to average equity (ytd only) | 3.5154% | 4,131 |
| Net charge-offs to loans | -0.1170% | 6,510 |
| Credit loss provision to net charge-offs | -192.3077% | 5,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5858% | 1,950 |
| Assets per employee ($millions) | 9.8531% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8777% | 751 |
| Loan loss allowance to noncurrent loans | 793.7778% | 578 |
| Noncurrent assets plus other real estate owned to assets | 1.7849% | 2,622 |
| Noncurrent loans to loans | 0.3625% | 5,494 |
| Net loans and leases to total assets | 31.3718% | 6,543 |
| Net loans and leases to deposits | 37.6036% | 6,518 |
| Net loans and leases to core deposits | 40.1545% | 6,475 |
| Total domestic deposits to total assets | 83.4276% | 4,698 |
| Equity capital to assets | 9.9044% | 4,268 |
| Core capital (leverage) ratio | 9.8017% | 3,659 |
| Tier 1 risk-based capital ratio | 23.9941% | 1,014 |
| Total risk-based capital ratio | 25.2577% | 992 |
| Memoranda: | ||
| Average total assets | $356,464,000 | 1,854 |
| Average earning assets | $335,314,000 | 1,806 |
| Average equity | $37,890,000 | 1,872 |
| Average total loans | $133,307,500 | 2,832 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3502% | 6,962 |
| Cost of funding earning assets | 0.0943% | 7,004 |
| Net interest margin | 2.2558% | 6,859 |
| Noninterest income to average assets | 1.9295% | 461 |
| Noninterest expense to average assets | 3.2270% | 2,525 |
| Loan and lease loss provision to assets | 0.3458% | 1,939 |
| Net operating income to assets | 0.3417% | 5,323 |
| Return on assets (ROA) | 0.4326% | 5,200 |
| Pretax return on assets | 0.5986% | 5,000 |
| Return on Equity (ROE) | 4.0426% | 5,121 |
| Retained earnings to average equity (ytd only) | 4.0426% | 3,372 |
| Net charge-offs to loans | 1.5590% | 560 |
| Credit loss provision to net charge-offs | 52.3789% | 4,633 |
| Earnings coverage of net charge-offs (x) | 1.2392% | 4,843 |
| Efficiency ratio | 79.7734% | 2,175 |
| Assets per employee ($millions) | 8.6488% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4268% | 1,198 |
| Loan loss allowance to noncurrent loans | 75.4857% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 3.3960% | 1,351 |
| Noncurrent loans to loans | 3.2150% | 1,607 |
| Net loans and leases to total assets | 42.3032% | 5,973 |
| Net loans and leases to deposits | 50.7900% | 5,904 |
| Net loans and leases to core deposits | 54.6567% | 5,829 |
| Total domestic deposits to total assets | 83.2904% | 4,604 |
| Equity capital to assets | 11.4770% | 2,469 |
| Core capital (leverage) ratio | 9.5533% | 4,031 |
| Tier 1 risk-based capital ratio | 19.1971% | 1,902 |
| Total risk-based capital ratio | 20.4547% | 1,874 |
| Memoranda: | ||
| Average total assets | $346,976,000 | 1,865 |
| Average earning assets | $325,420,800 | 1,827 |
| Average equity | $37,130,000 | 1,870 |
| Average total loans | $146,957,600 | 2,621 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2945% | 7,082 |
| Cost of funding earning assets | 0.0929% | 7,120 |
| Net interest margin | 2.2016% | 6,991 |
| Noninterest income to average assets | 1.9501% | 435 |
| Noninterest expense to average assets | 3.1061% | 2,870 |
| Loan and lease loss provision to assets | 0.3413% | 1,917 |
| Net operating income to assets | 0.4219% | 5,152 |
| Return on assets (ROA) | 0.4062% | 5,451 |
| Pretax return on assets | 0.5484% | 5,309 |
| Return on Equity (ROE) | 3.8612% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.8612% | 4,177 |
| Net charge-offs to loans | 2.0971% | 328 |
| Credit loss provision to net charge-offs | 38.6432% | 4,643 |
| Earnings coverage of net charge-offs (x) | 1.0313% | 4,798 |
| Efficiency ratio | 77.3225% | 2,476 |
| Assets per employee ($millions) | 9.7165% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3403% | 1,446 |
| Loan loss allowance to noncurrent loans | 62.5752% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 3.3866% | 1,490 |
| Noncurrent loans to loans | 3.7400% | 1,424 |
| Net loans and leases to total assets | 38.2841% | 6,404 |
| Net loans and leases to deposits | 46.4703% | 6,354 |
| Net loans and leases to core deposits | 49.2599% | 6,326 |
| Total domestic deposits to total assets | 82.3839% | 4,882 |
| Equity capital to assets | 11.0708% | 3,187 |
| Core capital (leverage) ratio | 10.1057% | 3,404 |
| Tier 1 risk-based capital ratio | 20.0671% | 1,736 |
| Total risk-based capital ratio | 21.3238% | 1,707 |
| Memoranda: | ||
| Average total assets | $351,556,000 | 1,859 |
| Average earning assets | $330,058,500 | 1,817 |
| Average equity | $36,982,500 | 1,899 |
| Average total loans | $148,074,500 | 2,631 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2667% | 7,152 |
| Cost of funding earning assets | 0.0910% | 7,192 |
| Net interest margin | 2.1756% | 7,052 |
| Noninterest income to average assets | 1.9410% | 422 |
| Noninterest expense to average assets | 3.1887% | 2,629 |
| Loan and lease loss provision to assets | 0.3377% | 1,953 |
| Net operating income to assets | 0.3602% | 5,376 |
| Return on assets (ROA) | 0.3602% | 5,600 |
| Pretax return on assets | 0.4587% | 5,550 |
| Return on Equity (ROE) | 3.4820% | 5,487 |
| Retained earnings to average equity (ytd only) | 3.4820% | 4,274 |
| Net charge-offs to loans | 2.4668% | 289 |
| Credit loss provision to net charge-offs | 31.7965% | 4,412 |
| Earnings coverage of net charge-offs (x) | 0.7499% | 4,680 |
| Efficiency ratio | 80.0169% | 2,172 |
| Assets per employee ($millions) | 10.4908% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4175% | 1,388 |
| Loan loss allowance to noncurrent loans | 36.4591% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 4.3195% | 1,155 |
| Noncurrent loans to loans | 6.6306% | 617 |
| Net loans and leases to total assets | 36.9156% | 6,554 |
| Net loans and leases to deposits | 45.2199% | 6,492 |
| Net loans and leases to core deposits | 47.7391% | 6,478 |
| Total domestic deposits to total assets | 81.6357% | 5,252 |
| Equity capital to assets | 10.4016% | 3,812 |
| Core capital (leverage) ratio | 9.3625% | 4,353 |
| Tier 1 risk-based capital ratio | 20.3155% | 1,636 |
| Total risk-based capital ratio | 21.5737% | 1,601 |
| Memoranda: | ||
| Average total assets | $355,382,670 | 1,849 |
| Average earning assets | $333,884,670 | 1,799 |
| Average equity | $36,760,330 | 1,900 |
| Average total loans | $152,994,330 | 2,566 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3634% | 7,201 |
| Cost of funding earning assets | 0.0888% | 7,259 |
| Net interest margin | 2.2746% | 7,070 |
| Noninterest income to average assets | 2.1188% | 372 |
| Noninterest expense to average assets | 3.2949% | 2,304 |
| Loan and lease loss provision to assets | 0.3383% | 1,848 |
| Net operating income to assets | 0.4849% | 4,891 |
| Return on assets (ROA) | 0.4849% | 5,090 |
| Pretax return on assets | 0.6224% | 5,039 |
| Return on Equity (ROE) | 4.7007% | 4,936 |
| Retained earnings to average equity (ytd only) | 4.7007% | 3,746 |
| Net charge-offs to loans | -1.7010% | 7,245 |
| Credit loss provision to net charge-offs | -43.5414% | 5,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4245% | 2,580 |
| Assets per employee ($millions) | 10.0649% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5934% | 501 |
| Loan loss allowance to noncurrent loans | 72.0062% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 3.4007% | 1,692 |
| Noncurrent loans to loans | 4.9904% | 1,125 |
| Net loans and leases to total assets | 37.8508% | 6,499 |
| Net loans and leases to deposits | 44.7540% | 6,514 |
| Net loans and leases to core deposits | 46.9260% | 6,511 |
| Total domestic deposits to total assets | 84.5753% | 4,237 |
| Equity capital to assets | 9.3821% | 4,988 |
| Core capital (leverage) ratio | 9.1935% | 4,531 |
| Tier 1 risk-based capital ratio | 18.0591% | 2,267 |
| Total risk-based capital ratio | 19.3299% | 2,231 |
| Memoranda: | ||
| Average total assets | $354,730,500 | 1,868 |
| Average earning assets | $333,243,000 | 1,814 |
| Average equity | $36,590,000 | 1,898 |
| Average total loans | $162,024,000 | 2,452 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3136% | 7,089 |
| Cost of funding earning assets | 0.1272% | 7,289 |
| Net interest margin | 3.1865% | 6,134 |
| Noninterest income to average assets | 1.7462% | 467 |
| Noninterest expense to average assets | 4.2390% | 769 |
| Loan and lease loss provision to assets | 0.7531% | 1,336 |
| Net operating income to assets | -0.1744% | 6,231 |
| Return on assets (ROA) | -0.1744% | 6,307 |
| Pretax return on assets | -0.4108% | 6,425 |
| Return on Equity (ROE) | -1.4633% | 6,291 |
| Retained earnings to average equity (ytd only) | -1.4633% | 6,085 |
| Net charge-offs to loans | 4.3331% | 121 |
| Credit loss provision to net charge-offs | 28.8178% | 5,803 |
| Earnings coverage of net charge-offs (x) | 0.1310% | 5,735 |
| Efficiency ratio | 92.5271% | 1,014 |
| Assets per employee ($millions) | 7.5459% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6769% | 1,099 |
| Loan loss allowance to noncurrent loans | 27.1777% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 6.9798% | 654 |
| Noncurrent loans to loans | 9.8498% | 331 |
| Net loans and leases to total assets | 52.1835% | 5,288 |
| Net loans and leases to deposits | 59.8755% | 5,498 |
| Net loans and leases to core deposits | 63.4027% | 5,527 |
| Total domestic deposits to total assets | 87.1532% | 2,668 |
| Equity capital to assets | 11.4701% | 2,529 |
| Core capital (leverage) ratio | 10.3936% | 2,851 |
| Tier 1 risk-based capital ratio | 16.0538% | 3,016 |
| Total risk-based capital ratio | 17.3157% | 2,969 |
| Memoranda: | ||
| Average total assets | $308,445,800 | 2,072 |
| Average earning assets | $274,443,200 | 2,137 |
| Average equity | $36,767,000 | 1,834 |
| Average total loans | $186,034,000 | 2,167 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3842% | 7,143 |
| Cost of funding earning assets | 0.1480% | 7,362 |
| Net interest margin | 3.2363% | 6,056 |
| Noninterest income to average assets | 2.3631% | 289 |
| Noninterest expense to average assets | 4.1040% | 895 |
| Loan and lease loss provision to assets | 0.8493% | 1,077 |
| Net operating income to assets | 0.2271% | 5,627 |
| Return on assets (ROA) | 0.2271% | 5,760 |
| Pretax return on assets | 0.2228% | 5,853 |
| Return on Equity (ROE) | 1.8542% | 5,827 |
| Retained earnings to average equity (ytd only) | 1.8542% | 5,214 |
| Net charge-offs to loans | 3.7150% | 193 |
| Credit loss provision to net charge-offs | 36.6262% | 5,308 |
| Earnings coverage of net charge-offs (x) | 0.4623% | 5,279 |
| Efficiency ratio | 79.2874% | 2,364 |
| Assets per employee ($millions) | 7.9336% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1683% | 352 |
| Loan loss allowance to noncurrent loans | 43.3620% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 9.1101% | 432 |
| Noncurrent loans to loans | 9.6129% | 376 |
| Net loans and leases to total assets | 51.4173% | 5,523 |
| Net loans and leases to deposits | 58.8110% | 5,766 |
| Net loans and leases to core deposits | 62.7516% | 5,742 |
| Total domestic deposits to total assets | 87.4281% | 2,393 |
| Equity capital to assets | 11.5949% | 2,591 |
| Core capital (leverage) ratio | 10.4938% | 2,878 |
| Tier 1 risk-based capital ratio | 15.7319% | 3,261 |
| Total risk-based capital ratio | 17.0082% | 3,208 |
| Memoranda: | ||
| Average total assets | $274,715,750 | 2,323 |
| Average earning assets | $238,786,750 | 2,418 |
| Average equity | $33,651,500 | 1,985 |
| Average total loans | $171,480,750 | 2,373 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5733% | 7,116 |
| Cost of funding earning assets | 0.1555% | 7,438 |
| Net interest margin | 3.4178% | 5,490 |
| Noninterest income to average assets | 2.4281% | 283 |
| Noninterest expense to average assets | 4.3175% | 734 |
| Loan and lease loss provision to assets | 0.9686% | 912 |
| Net operating income to assets | 0.1371% | 5,916 |
| Return on assets (ROA) | 0.1371% | 6,012 |
| Pretax return on assets | 0.0738% | 6,142 |
| Return on Equity (ROE) | 1.0977% | 6,058 |
| Retained earnings to average equity (ytd only) | 1.0977% | 5,421 |
| Net charge-offs to loans | 4.4328% | 166 |
| Credit loss provision to net charge-offs | 33.2992% | 4,943 |
| Earnings coverage of net charge-offs (x) | 0.3584% | 5,035 |
| Efficiency ratio | 80.5532% | 2,306 |
| Assets per employee ($millions) | 8.0094% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0899% | 393 |
| Loan loss allowance to noncurrent loans | 38.6218% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 10.0961% | 386 |
| Noncurrent loans to loans | 10.5895% | 344 |
| Net loans and leases to total assets | 56.8416% | 4,844 |
| Net loans and leases to deposits | 65.0150% | 5,148 |
| Net loans and leases to core deposits | 71.1127% | 4,936 |
| Total domestic deposits to total assets | 87.4284% | 2,503 |
| Equity capital to assets | 11.6772% | 2,343 |
| Core capital (leverage) ratio | 9.8545% | 3,446 |
| Tier 1 risk-based capital ratio | 14.9773% | 3,503 |
| Total risk-based capital ratio | 16.2556% | 3,467 |
| Memoranda: | ||
| Average total assets | $268,440,000 | 2,379 |
| Average earning assets | $230,265,670 | 2,522 |
| Average equity | $33,523,330 | 1,978 |
| Average total loans | $176,142,000 | 2,335 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 6,865 |
| Cost of funding earning assets | 0.1662% | 7,503 |
| Net interest margin | 3.6999% | 4,103 |
| Noninterest income to average assets | 2.5486% | 259 |
| Noninterest expense to average assets | 4.4582% | 620 |
| Loan and lease loss provision to assets | 1.0058% | 762 |
| Net operating income to assets | 0.2197% | 5,718 |
| Return on assets (ROA) | 0.2197% | 5,781 |
| Pretax return on assets | 0.1501% | 6,055 |
| Return on Equity (ROE) | 1.6981% | 5,911 |
| Retained earnings to average equity (ytd only) | 1.6981% | 5,102 |
| Net charge-offs to loans | 4.7860% | 159 |
| Credit loss provision to net charge-offs | 30.3880% | 4,111 |
| Earnings coverage of net charge-offs (x) | 0.3492% | 4,352 |
| Efficiency ratio | 79.4101% | 2,632 |
| Assets per employee ($millions) | 6.6185% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5663% | 272 |
| Loan loss allowance to noncurrent loans | 53.9835% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 11.6813% | 289 |
| Noncurrent loans to loans | 8.4588% | 558 |
| Net loans and leases to total assets | 67.3425% | 2,688 |
| Net loans and leases to deposits | 122.8023% | 78 |
| Net loans and leases to core deposits | 148.1742% | 157 |
| Total domestic deposits to total assets | 54.8381% | 7,468 |
| Equity capital to assets | 13.3338% | 1,249 |
| Core capital (leverage) ratio | 9.3419% | 4,065 |
| Tier 1 risk-based capital ratio | 14.7799% | 3,555 |
| Total risk-based capital ratio | 16.0646% | 3,498 |
| Memoranda: | ||
| Average total assets | $258,490,000 | 2,487 |
| Average earning assets | $214,168,500 | 2,733 |
| Average equity | $33,450,000 | 1,971 |
| Average total loans | $178,770,000 | 2,324 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 6,614 |
| Cost of funding earning assets | 0.0744% | 7,595 |
| Net interest margin | 4.3292% | 1,719 |
| Noninterest income to average assets | 1.8217% | 466 |
| Noninterest expense to average assets | 4.1641% | 947 |
| Loan and lease loss provision to assets | 1.0511% | 1,532 |
| Net operating income to assets | 0.2998% | 4,940 |
| Return on assets (ROA) | 0.2998% | 5,107 |
| Pretax return on assets | 0.2087% | 5,472 |
| Return on Equity (ROE) | 2.4708% | 5,200 |
| Retained earnings to average equity (ytd only) | 2.4708% | 4,149 |
| Net charge-offs to loans | 1.7524% | 1,222 |
| Credit loss provision to net charge-offs | 80.5556% | 5,546 |
| Earnings coverage of net charge-offs (x) | 0.9655% | 5,143 |
| Efficiency ratio | 76.7735% | 2,907 |
| Assets per employee ($millions) | 6.8071% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3275% | 157 |
| Loan loss allowance to noncurrent loans | 84.8187% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 8.9556% | 506 |
| Noncurrent loans to loans | 6.2810% | 972 |
| Net loans and leases to total assets | 64.2145% | 3,832 |
| Net loans and leases to deposits | 125.8111% | 88 |
| Net loans and leases to core deposits | 150.0202% | 176 |
| Total domestic deposits to total assets | 51.0404% | 7,563 |
| Equity capital to assets | 12.5680% | 1,592 |
| Core capital (leverage) ratio | 8.5584% | 5,261 |
| Tier 1 risk-based capital ratio | 14.5176% | 3,532 |
| Total risk-based capital ratio | 15.8106% | 3,465 |
| Memoranda: | ||
| Average total assets | $273,146,600 | 2,335 |
| Average earning assets | $227,271,600 | 2,551 |
| Average equity | $33,146,800 | 1,995 |
| Average total loans | $203,379,600 | 2,125 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3930% | 6,826 |
| Cost of funding earning assets | 0.0506% | 7,714 |
| Net interest margin | 4.3424% | 1,704 |
| Noninterest income to average assets | 1.8764% | 416 |
| Noninterest expense to average assets | 4.0605% | 972 |
| Loan and lease loss provision to assets | 1.0276% | 1,440 |
| Net operating income to assets | 0.4275% | 4,637 |
| Return on assets (ROA) | 0.4275% | 4,816 |
| Pretax return on assets | 0.4067% | 5,198 |
| Return on Equity (ROE) | 3.5536% | 4,981 |
| Retained earnings to average equity (ytd only) | 3.5536% | 3,949 |
| Net charge-offs to loans | 1.8482% | 1,039 |
| Credit loss provision to net charge-offs | 73.1034% | 5,338 |
| Earnings coverage of net charge-offs (x) | 1.0203% | 5,039 |
| Efficiency ratio | 73.8973% | 3,343 |
| Assets per employee ($millions) | 6.6510% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9978% | 172 |
| Loan loss allowance to noncurrent loans | 105.1432% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 8.3562% | 584 |
| Noncurrent loans to loans | 4.7533% | 1,483 |
| Net loans and leases to total assets | 69.6633% | 2,815 |
| Net loans and leases to deposits | 136.9233% | 53 |
| Net loans and leases to core deposits | 151.7140% | 181 |
| Total domestic deposits to total assets | 50.8776% | 7,662 |
| Equity capital to assets | 12.9215% | 1,620 |
| Core capital (leverage) ratio | 9.9312% | 3,316 |
| Tier 1 risk-based capital ratio | 14.2851% | 3,643 |
| Total risk-based capital ratio | 15.5753% | 3,580 |
| Memoranda: | ||
| Average total assets | $275,064,250 | 2,351 |
| Average earning assets | $229,206,000 | 2,571 |
| Average equity | $33,092,250 | 2,012 |
| Average total loans | $209,207,750 | 2,109 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4473% | 6,810 |
| Cost of funding earning assets | 0.0453% | 7,786 |
| Net interest margin | 4.4021% | 1,438 |
| Noninterest income to average assets | 1.5862% | 516 |
| Noninterest expense to average assets | 3.9623% | 1,092 |
| Loan and lease loss provision to assets | 0.9997% | 1,456 |
| Net operating income to assets | 0.3539% | 4,956 |
| Return on assets (ROA) | 0.3539% | 5,117 |
| Pretax return on assets | 0.3033% | 5,488 |
| Return on Equity (ROE) | 3.0106% | 5,225 |
| Retained earnings to average equity (ytd only) | 3.0106% | 4,205 |
| Net charge-offs to loans | 1.4215% | 1,342 |
| Credit loss provision to net charge-offs | 91.4491% | 4,380 |
| Earnings coverage of net charge-offs (x) | 1.1919% | 4,608 |
| Efficiency ratio | 75.2541% | 3,220 |
| Assets per employee ($millions) | 6.5385% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0844% | 166 |
| Loan loss allowance to noncurrent loans | 97.1213% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 8.8839% | 508 |
| Noncurrent loans to loans | 5.2351% | 1,297 |
| Net loans and leases to total assets | 70.7161% | 2,740 |
| Net loans and leases to deposits | 141.0738% | 46 |
| Net loans and leases to core deposits | 153.6575% | 199 |
| Total domestic deposits to total assets | 50.1270% | 7,732 |
| Equity capital to assets | 12.3572% | 1,893 |
| Core capital (leverage) ratio | 9.8780% | 3,302 |
| Tier 1 risk-based capital ratio | 13.8895% | 3,807 |
| Total risk-based capital ratio | 15.1805% | 3,742 |
| Memoranda: | ||
| Average total assets | $280,289,330 | 2,330 |
| Average earning assets | $234,253,330 | 2,550 |
| Average equity | $32,950,670 | 2,018 |
| Average total loans | $215,542,000 | 2,073 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 6,894 |
| Cost of funding earning assets | 0.0364% | 7,896 |
| Net interest margin | 4.4150% | 1,351 |
| Noninterest income to average assets | 2.0461% | 332 |
| Noninterest expense to average assets | 3.9093% | 1,157 |
| Loan and lease loss provision to assets | 1.0475% | 1,179 |
| Net operating income to assets | 0.6634% | 3,598 |
| Return on assets (ROA) | 0.6634% | 3,711 |
| Pretax return on assets | 0.8129% | 3,812 |
| Return on Equity (ROE) | 5.7817% | 3,973 |
| Retained earnings to average equity (ytd only) | 5.7817% | 2,722 |
| Net charge-offs to loans | 2.0676% | 827 |
| Credit loss provision to net charge-offs | 64.9351% | 4,206 |
| Earnings coverage of net charge-offs (x) | 1.1532% | 4,073 |
| Efficiency ratio | 67.7560% | 4,771 |
| Assets per employee ($millions) | 7.4172% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6888% | 225 |
| Loan loss allowance to noncurrent loans | 84.1151% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 7.7629% | 641 |
| Noncurrent loans to loans | 5.5742% | 1,244 |
| Net loans and leases to total assets | 71.2630% | 2,629 |
| Net loans and leases to deposits | 149.1509% | 45 |
| Net loans and leases to core deposits | 162.4242% | 179 |
| Total domestic deposits to total assets | 47.7792% | 7,845 |
| Equity capital to assets | 11.7444% | 2,204 |
| Core capital (leverage) ratio | 9.0905% | 4,394 |
| Tier 1 risk-based capital ratio | 13.0099% | 4,327 |
| Total risk-based capital ratio | 14.2964% | 4,272 |
| Memoranda: | ||
| Average total assets | $286,394,500 | 2,338 |
| Average earning assets | $241,542,000 | 2,519 |
| Average equity | $32,862,500 | 2,049 |
| Average total loans | $223,448,000 | 2,047 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 7,664 |
| Cost of funding earning assets | 0.0232% | 7,990 |
| Net interest margin | 4.0429% | 2,683 |
| Noninterest income to average assets | 1.8595% | 429 |
| Noninterest expense to average assets | 3.3778% | 2,751 |
| Loan and lease loss provision to assets | 1.8111% | 1,246 |
| Net operating income to assets | 0.3247% | 4,430 |
| Return on assets (ROA) | 0.3247% | 4,518 |
| Pretax return on assets | 0.4087% | 4,476 |
| Return on Equity (ROE) | 3.3795% | 4,345 |
| Retained earnings to average equity (ytd only) | 3.3795% | 2,804 |
| Net charge-offs to loans | 1.2431% | 1,984 |
| Credit loss provision to net charge-offs | 188.9422% | 2,126 |
| Earnings coverage of net charge-offs (x) | 2.3158% | 3,993 |
| Efficiency ratio | 60.3437% | 6,429 |
| Assets per employee ($millions) | 7.4599% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3556% | 279 |
| Loan loss allowance to noncurrent loans | 60.7238% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 8.2472% | 527 |
| Noncurrent loans to loans | 7.1727% | 764 |
| Net loans and leases to total assets | 77.6363% | 1,459 |
| Net loans and leases to deposits | 156.7772% | 36 |
| Net loans and leases to core deposits | 166.3649% | 266 |
| Total domestic deposits to total assets | 49.5202% | 7,913 |
| Equity capital to assets | 11.2131% | 2,521 |
| Core capital (leverage) ratio | 9.3251% | 3,939 |
| Tier 1 risk-based capital ratio | 12.0871% | 4,864 |
| Total risk-based capital ratio | 13.3721% | 4,799 |
| Memoranda: | ||
| Average total assets | $326,428,800 | 2,075 |
| Average earning assets | $301,812,000 | 2,060 |
| Average equity | $31,365,400 | 2,134 |
| Average total loans | $251,710,600 | 1,883 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 7,819 |
| Cost of funding earning assets | 0.0254% | 8,073 |
| Net interest margin | 3.9278% | 3,132 |
| Noninterest income to average assets | 1.9190% | 404 |
| Noninterest expense to average assets | 3.4567% | 2,400 |
| Loan and lease loss provision to assets | 2.0471% | 873 |
| Net operating income to assets | 0.1328% | 5,369 |
| Return on assets (ROA) | 0.1328% | 5,435 |
| Pretax return on assets | 0.1010% | 5,522 |
| Return on Equity (ROE) | 1.4342% | 5,359 |
| Retained earnings to average equity (ytd only) | 1.4342% | 4,513 |
| Net charge-offs to loans | 1.2279% | 1,666 |
| Credit loss provision to net charge-offs | 218.6916% | 2,007 |
| Earnings coverage of net charge-offs (x) | 2.2948% | 4,105 |
| Efficiency ratio | 61.6744% | 6,170 |
| Assets per employee ($millions) | 8.4196% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2567% | 249 |
| Loan loss allowance to noncurrent loans | 73.7079% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 6.7831% | 720 |
| Noncurrent loans to loans | 5.7751% | 1,054 |
| Net loans and leases to total assets | 72.3892% | 2,937 |
| Net loans and leases to deposits | 180.0776% | 33 |
| Net loans and leases to core deposits | 180.5057% | 182 |
| Total domestic deposits to total assets | 40.1989% | 8,016 |
| Equity capital to assets | 9.9792% | 4,116 |
| Core capital (leverage) ratio | 7.9996% | 6,358 |
| Tier 1 risk-based capital ratio | 11.8836% | 5,079 |
| Total risk-based capital ratio | 13.1669% | 4,984 |
| Memoranda: | ||
| Average total assets | $335,302,000 | 2,048 |
| Average earning assets | $314,635,000 | 2,003 |
| Average equity | $31,051,000 | 2,185 |
| Average total loans | $255,598,750 | 1,883 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9633% | 7,916 |
| Cost of funding earning assets | 0.0243% | 8,171 |
| Net interest margin | 3.9390% | 2,929 |
| Noninterest income to average assets | 2.0381% | 357 |
| Noninterest expense to average assets | 3.4669% | 2,436 |
| Loan and lease loss provision to assets | 1.5780% | 1,078 |
| Net operating income to assets | 0.5105% | 4,045 |
| Return on assets (ROA) | 0.5105% | 4,167 |
| Pretax return on assets | 0.7027% | 3,980 |
| Return on Equity (ROE) | 5.6504% | 3,804 |
| Retained earnings to average equity (ytd only) | 5.6504% | 2,180 |
| Net charge-offs to loans | 0.6488% | 2,413 |
| Credit loss provision to net charge-offs | 318.2464% | 1,464 |
| Earnings coverage of net charge-offs (x) | 4.5995% | 3,055 |
| Efficiency ratio | 60.3189% | 6,490 |
| Assets per employee ($millions) | 9.0072% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6840% | 325 |
| Loan loss allowance to noncurrent loans | 85.2802% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 5.1029% | 1,021 |
| Noncurrent loans to loans | 4.3199% | 1,511 |
| Net loans and leases to total assets | 71.3808% | 3,382 |
| Net loans and leases to deposits | 255.6938% | 30 |
| Net loans and leases to core deposits | 257.5917% | 56 |
| Total domestic deposits to total assets | 27.9165% | 8,122 |
| Equity capital to assets | 9.0951% | 5,166 |
| Core capital (leverage) ratio | 7.0211% | 7,520 |
| Tier 1 risk-based capital ratio | 11.4555% | 5,438 |
| Total risk-based capital ratio | 12.7323% | 5,318 |
| Memoranda: | ||
| Average total assets | $340,421,330 | 2,034 |
| Average earning assets | $320,591,000 | 1,980 |
| Average equity | $30,758,670 | 2,210 |
| Average total loans | $260,164,330 | 1,885 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7214% | 8,057 |
| Cost of funding earning assets | 0.0249% | 8,224 |
| Net interest margin | 3.6965% | 3,904 |
| Noninterest income to average assets | 1.9382% | 383 |
| Noninterest expense to average assets | 3.2118% | 2,933 |
| Loan and lease loss provision to assets | 1.1405% | 1,141 |
| Net operating income to assets | 0.7435% | 3,376 |
| Return on assets (ROA) | 0.7435% | 3,555 |
| Pretax return on assets | 1.0840% | 3,047 |
| Return on Equity (ROE) | 8.2557% | 3,036 |
| Retained earnings to average equity (ytd only) | 8.2557% | 1,724 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0811% | 6,545 |
| Assets per employee ($millions) | 8.4996% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1919% | 406 |
| Loan loss allowance to noncurrent loans | 48.6169% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 6.1443% | 639 |
| Noncurrent loans to loans | 6.5653% | 663 |
| Net loans and leases to total assets | 81.6962% | 1,060 |
| Net loans and leases to deposits | 263.9493% | 21 |
| Net loans and leases to core deposits | 265.8282% | 52 |
| Total domestic deposits to total assets | 30.9515% | 8,171 |
| Equity capital to assets | 9.8221% | 4,218 |
| Core capital (leverage) ratio | 7.4431% | 7,222 |
| Tier 1 risk-based capital ratio | 11.2949% | 5,603 |
| Total risk-based capital ratio | 12.5674% | 5,493 |
| Memoranda: | ||
| Average total assets | $339,495,000 | 2,049 |
| Average earning assets | $321,280,000 | 1,975 |
| Average equity | $30,573,000 | 2,222 |
| Average total loans | $263,415,000 | 1,880 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 7,898 |
| Cost of funding earning assets | 1.2978% | 7,852 |
| Net interest margin | 3.6027% | 4,872 |
| Noninterest income to average assets | 2.2478% | 293 |
| Noninterest expense to average assets | 3.2373% | 3,198 |
| Loan and lease loss provision to assets | 5.4205% | 86 |
| Net operating income to assets | -1.7687% | 7,547 |
| Return on assets (ROA) | -1.7687% | 7,503 |
| Pretax return on assets | -3.0552% | 7,719 |
| Return on Equity (ROE) | -16.7160% | 7,658 |
| Retained earnings to average equity (ytd only) | -18.3898% | 7,636 |
| Net charge-offs to loans | 6.0513% | 54 |
| Credit loss provision to net charge-offs | 116.9394% | 4,612 |
| Earnings coverage of net charge-offs (x) | 0.5103% | 5,925 |
| Efficiency ratio | 57.7819% | 6,737 |
| Assets per employee ($millions) | 9.5922% | 292 |
| Cash dividends to net income (ytd only)* | -10.0134% | 7,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8699% | 486 |
| Loan loss allowance to noncurrent loans | 46.7885% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 4.4941% | 836 |
| Noncurrent loans to loans | 6.1338% | 567 |
| Net loans and leases to total assets | 69.6654% | 4,099 |
| Net loans and leases to deposits | 96.7404% | 2,327 |
| Net loans and leases to core deposits | 96.9943% | 5,150 |
| Total domestic deposits to total assets | 72.0127% | 6,990 |
| Equity capital to assets | 8.3009% | 6,421 |
| Core capital (leverage) ratio | 8.9884% | 4,757 |
| Tier 1 risk-based capital ratio | 10.8861% | 5,827 |
| Total risk-based capital ratio | 12.1538% | 5,729 |
| Memoranda: | ||
| Average total assets | $338,771,000 | 1,963 |
| Average earning assets | $315,462,200 | 1,933 |
| Average equity | $35,846,000 | 1,878 |
| Average total loans | $259,496,400 | 1,839 |