Home > First Midwest Bank of Dexter > Performance and Condition Ratios
First Midwest Bank of Dexter, 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 | 5.6965% | 930 |
| Cost of funding earning assets | 2.1208% | 744 |
| Net interest margin | 3.5756% | 2,013 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.5105% | 2,266 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1300% | 1,831 |
| Return on assets (ROA) | 1.1300% | 1,812 |
| Pretax return on assets | 1.1322% | 2,310 |
| Return on Equity (ROE) | 12.8100% | 1,777 |
| Retained earnings to average equity (ytd only) | 1.0022% | 3,837 |
| Net charge-offs to loans | 0.0244% | 1,825 |
| Credit loss provision to net charge-offs | 283.0189% | 994 |
| Earnings coverage of net charge-offs (x) | 57.3302% | 1,216 |
| Efficiency ratio | 67.8244% | 2,130 |
| Assets per employee ($millions) | 5.1231% | 3,548 |
| Cash dividends to net income (ytd only)* | 92.1783% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,429 |
| Loan loss allowance to noncurrent loans | 570.4750% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 2,534 |
| Noncurrent loans to loans | 0.1713% | 2,664 |
| Net loans and leases to total assets | 85.3500% | 189 |
| Net loans and leases to deposits | 95.3520% | 836 |
| Net loans and leases to core deposits | 110.8315% | 924 |
| Total domestic deposits to total assets | 89.5100% | 901 |
| Equity capital to assets | 8.6520% | 2,931 |
| Core capital (leverage) ratio | 9.6022% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3796% | 2,463 |
| Memoranda: | ||
| Average total assets | $510,247,400 | 1,708 |
| Average earning assets | $478,069,600 | 1,691 |
| Average equity | $45,001,800 | 1,734 |
| Average total loans | $433,599,800 | 1,384 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6084% | 903 |
| Cost of funding earning assets | 1.9644% | 753 |
| Net interest margin | 3.6439% | 1,897 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.4859% | 2,277 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2261% | 1,712 |
| Return on assets (ROA) | 1.2261% | 1,710 |
| Pretax return on assets | 1.2290% | 2,231 |
| Return on Equity (ROE) | 13.8300% | 1,698 |
| Retained earnings to average equity (ytd only) | 0.1844% | 4,080 |
| Net charge-offs to loans | 0.0212% | 1,690 |
| Credit loss provision to net charge-offs | 339.7059% | 815 |
| Earnings coverage of net charge-offs (x) | 71.9706% | 1,097 |
| Efficiency ratio | 65.8383% | 2,300 |
| Assets per employee ($millions) | 5.1901% | 3,440 |
| Cash dividends to net income (ytd only)* | 98.6672% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 3,253 |
| Loan loss allowance to noncurrent loans | 1,598.9130% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 3,266 |
| Noncurrent loans to loans | 0.0638% | 3,299 |
| Net loans and leases to total assets | 84.1300% | 269 |
| Net loans and leases to deposits | 93.6637% | 923 |
| Net loans and leases to core deposits | 105.4682% | 1,046 |
| Total domestic deposits to total assets | 89.8200% | 983 |
| Equity capital to assets | 8.6569% | 2,626 |
| Core capital (leverage) ratio | 9.5100% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1789% | 2,210 |
| Memoranda: | ||
| Average total assets | $505,889,250 | 1,717 |
| Average earning assets | $474,492,250 | 1,697 |
| Average equity | $44,838,500 | 1,726 |
| Average total loans | $428,289,500 | 1,389 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4832% | 848 |
| Cost of funding earning assets | 1.7422% | 826 |
| Net interest margin | 3.7410% | 1,735 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.4829% | 2,255 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3090% | 1,545 |
| Return on assets (ROA) | 1.3090% | 1,532 |
| Pretax return on assets | 1.3133% | 2,046 |
| Return on Equity (ROE) | 14.6500% | 1,541 |
| Retained earnings to average equity (ytd only) | 1.0198% | 3,911 |
| Net charge-offs to loans | 0.0150% | 1,636 |
| Credit loss provision to net charge-offs | 475.0000% | 669 |
| Earnings coverage of net charge-offs (x) | 108.3750% | 892 |
| Efficiency ratio | 64.3833% | 2,438 |
| Assets per employee ($millions) | 5.2619% | 3,353 |
| Cash dividends to net income (ytd only)* | 93.0408% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,390 |
| Loan loss allowance to noncurrent loans | 1,977.3756% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,347 |
| Noncurrent loans to loans | 0.0510% | 3,345 |
| Net loans and leases to total assets | 84.1000% | 264 |
| Net loans and leases to deposits | 93.6218% | 899 |
| Net loans and leases to core deposits | 107.7272% | 917 |
| Total domestic deposits to total assets | 89.8300% | 975 |
| Equity capital to assets | 8.7927% | 2,667 |
| Core capital (leverage) ratio | 9.8140% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1355% | 2,239 |
| Memoranda: | ||
| Average total assets | $504,977,000 | 1,715 |
| Average earning assets | $473,301,333 | 1,701 |
| Average equity | $45,107,667 | 1,722 |
| Average total loans | $426,944,667 | 1,381 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0022% | 1,225 |
| Cost of funding earning assets | 1.4559% | 928 |
| Net interest margin | 3.5463% | 2,248 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.4226% | 2,462 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.1731% | 2,012 |
| Return on assets (ROA) | 1.1731% | 1,977 |
| Pretax return on assets | 1.1731% | 2,503 |
| Return on Equity (ROE) | 13.0300% | 1,979 |
| Retained earnings to average equity (ytd only) | 13.0289% | 1,091 |
| Net charge-offs to loans | 0.0038% | 1,855 |
| Credit loss provision to net charge-offs | 1,875.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 387.0000% | 285 |
| Efficiency ratio | 66.2745% | 2,180 |
| Assets per employee ($millions) | 5.3554% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 3,406 |
| Loan loss allowance to noncurrent loans | 218.7848% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 1,319 |
| Noncurrent loans to loans | 0.4691% | 1,545 |
| Net loans and leases to total assets | 82.7800% | 308 |
| Net loans and leases to deposits | 93.0095% | 850 |
| Net loans and leases to core deposits | 103.4996% | 942 |
| Total domestic deposits to total assets | 89.0100% | 1,543 |
| Equity capital to assets | 9.1918% | 2,378 |
| Core capital (leverage) ratio | 10.0779% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7247% | 2,079 |
| Memoranda: | ||
| Average total assets | $502,265,500 | 1,736 |
| Average earning assets | $470,913,500 | 1,723 |
| Average equity | $45,222,500 | 1,735 |
| Average total loans | $423,597,500 | 1,408 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2678% | 1,120 |
| Cost of funding earning assets | 0.6068% | 878 |
| Net interest margin | 3.6610% | 1,470 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.4521% | 2,264 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.4118% | 1,101 |
| Return on assets (ROA) | 1.4120% | 1,064 |
| Pretax return on assets | 1.4120% | 1,734 |
| Return on Equity (ROE) | 15.0500% | 1,245 |
| Retained earnings to average equity (ytd only) | 6.4816% | 2,458 |
| Net charge-offs to loans | 0.0379% | 1,337 |
| Credit loss provision to net charge-offs | 198.6755% | 1,131 |
| Earnings coverage of net charge-offs (x) | 46.1722% | 1,410 |
| Efficiency ratio | 62.4353% | 2,705 |
| Assets per employee ($millions) | 5.3885% | 3,329 |
| Cash dividends to net income (ytd only)* | 56.9459% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,406 |
| Loan loss allowance to noncurrent loans | 213.4606% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 1,288 |
| Noncurrent loans to loans | 0.4672% | 1,535 |
| Net loans and leases to total assets | 84.1900% | 240 |
| Net loans and leases to deposits | 92.8213% | 859 |
| Net loans and leases to core deposits | 105.8454% | 753 |
| Total domestic deposits to total assets | 90.7000% | 1,059 |
| Equity capital to assets | 8.8147% | 2,475 |
| Core capital (leverage) ratio | 9.9777% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0764% | 2,340 |
| Memoranda: | ||
| Average total assets | $472,577,200 | 1,792 |
| Average earning assets | $442,851,200 | 1,777 |
| Average equity | $44,325,200 | 1,778 |
| Average total loans | $398,144,200 | 1,398 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 1,020 |
| Cost of funding earning assets | 0.4372% | 1,053 |
| Net interest margin | 3.6863% | 1,175 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.4206% | 2,255 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.4621% | 928 |
| Return on assets (ROA) | 1.4624% | 908 |
| Pretax return on assets | 1.4624% | 1,523 |
| Return on Equity (ROE) | 15.3400% | 1,107 |
| Retained earnings to average equity (ytd only) | 5.4248% | 2,946 |
| Net charge-offs to loans | 0.0061% | 1,933 |
| Credit loss provision to net charge-offs | 1,283.3333% | 338 |
| Earnings coverage of net charge-offs (x) | 296.3889% | 474 |
| Efficiency ratio | 61.2985% | 2,932 |
| Assets per employee ($millions) | 5.3481% | 3,379 |
| Cash dividends to net income (ytd only)* | 64.6425% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,318 |
| Loan loss allowance to noncurrent loans | 203.4906% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 1,231 |
| Noncurrent loans to loans | 0.5093% | 1,525 |
| Net loans and leases to total assets | 85.5900% | 151 |
| Net loans and leases to deposits | 94.5508% | 614 |
| Net loans and leases to core deposits | 101.9453% | 746 |
| Total domestic deposits to total assets | 90.5200% | 1,433 |
| Equity capital to assets | 8.9037% | 2,280 |
| Core capital (leverage) ratio | 9.8331% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1018% | 2,429 |
| Memoranda: | ||
| Average total assets | $465,439,750 | 1,823 |
| Average earning assets | $436,095,500 | 1,806 |
| Average equity | $44,363,250 | 1,793 |
| Average total loans | $391,147,000 | 1,408 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9487% | 1,027 |
| Cost of funding earning assets | 0.3191% | 1,537 |
| Net interest margin | 3.6297% | 1,023 |
| Noninterest income to average assets | 0.4851% | 2,283 |
| Noninterest expense to average assets | 2.3858% | 2,275 |
| Loan and lease loss provision to assets | 0.0661% | 1,425 |
| Net operating income to assets | 1.4300% | 836 |
| Return on assets (ROA) | 1.4304% | 821 |
| Pretax return on assets | 1.4304% | 1,359 |
| Return on Equity (ROE) | 14.6705% | 965 |
| Retained earnings to average equity (ytd only) | 6.6465% | 2,115 |
| Net charge-offs to loans | 0.0037% | 1,907 |
| Credit loss provision to net charge-offs | 2,171.4286% | 231 |
| Earnings coverage of net charge-offs (x) | 491.7143% | 264 |
| Efficiency ratio | 61.4601% | 3,116 |
| Assets per employee ($millions) | 5.1713% | 3,535 |
| Cash dividends to net income (ytd only)* | 54.6946% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,354 |
| Loan loss allowance to noncurrent loans | 212.4062% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 1,361 |
| Noncurrent loans to loans | 0.4963% | 1,634 |
| Net loans and leases to total assets | 82.8677% | 247 |
| Net loans and leases to deposits | 91.6551% | 627 |
| Net loans and leases to core deposits | 98.8001% | 727 |
| Total domestic deposits to total assets | 90.4125% | 1,509 |
| Equity capital to assets | 9.0862% | 2,332 |
| Core capital (leverage) ratio | 10.0619% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4463% | 2,308 |
| Memoranda: | ||
| Average total assets | $460,144,333 | 1,845 |
| Average earning assets | $430,618,000 | 1,842 |
| Average equity | $44,865,667 | 1,833 |
| Average total loans | $382,767,000 | 1,430 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8635% | 978 |
| Cost of funding earning assets | 0.2753% | 1,873 |
| Net interest margin | 3.5881% | 915 |
| Noninterest income to average assets | 0.4767% | 2,264 |
| Noninterest expense to average assets | 2.3231% | 2,411 |
| Loan and lease loss provision to assets | 0.0667% | 1,224 |
| Net operating income to assets | 1.4363% | 732 |
| Return on assets (ROA) | 1.4363% | 730 |
| Pretax return on assets | 1.4363% | 1,159 |
| Return on Equity (ROE) | 14.2136% | 792 |
| Retained earnings to average equity (ytd only) | 14.2136% | 359 |
| Net charge-offs to loans | 0.0043% | 1,610 |
| Credit loss provision to net charge-offs | 1,875.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 422.5000% | 245 |
| Efficiency ratio | 60.7159% | 3,408 |
| Assets per employee ($millions) | 5.1901% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,321 |
| Loan loss allowance to noncurrent loans | 185.7906% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 1,205 |
| Noncurrent loans to loans | 0.5927% | 1,573 |
| Net loans and leases to total assets | 82.9690% | 123 |
| Net loans and leases to deposits | 92.7133% | 409 |
| Net loans and leases to core deposits | 100.1382% | 508 |
| Total domestic deposits to total assets | 89.4899% | 1,817 |
| Equity capital to assets | 10.0103% | 1,882 |
| Core capital (leverage) ratio | 10.6728% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9732% | 2,221 |
| Memoranda: | ||
| Average total assets | $449,752,500 | 1,885 |
| Average earning assets | $419,831,000 | 1,885 |
| Average equity | $45,449,500 | 1,870 |
| Average total loans | $372,760,500 | 1,452 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 1,059 |
| Cost of funding earning assets | 0.3559% | 1,886 |
| Net interest margin | 3.8062% | 994 |
| Noninterest income to average assets | 0.6527% | 1,933 |
| Noninterest expense to average assets | 2.4495% | 2,335 |
| Loan and lease loss provision to assets | 0.1457% | 820 |
| Net operating income to assets | 1.6183% | 761 |
| Return on assets (ROA) | 1.6221% | 795 |
| Pretax return on assets | 1.6221% | 1,366 |
| Return on Equity (ROE) | 15.8414% | 780 |
| Retained earnings to average equity (ytd only) | 7.1790% | 1,851 |
| Net charge-offs to loans | -0.0031% | 3,439 |
| Credit loss provision to net charge-offs | -5,818.1818% | 4,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1343% | 3,424 |
| Assets per employee ($millions) | 5.2090% | 3,552 |
| Cash dividends to net income (ytd only)* | 54.6820% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 3,282 |
| Loan loss allowance to noncurrent loans | 188.4651% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 1,373 |
| Noncurrent loans to loans | 0.5934% | 1,654 |
| Net loans and leases to total assets | 80.9463% | 224 |
| Net loans and leases to deposits | 90.6624% | 539 |
| Net loans and leases to core deposits | 98.2843% | 599 |
| Total domestic deposits to total assets | 89.2832% | 1,358 |
| Equity capital to assets | 10.2014% | 2,472 |
| Core capital (leverage) ratio | 10.3650% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8678% | 2,290 |
| Memoranda: | ||
| Average total assets | $439,112,800 | 1,868 |
| Average earning assets | $410,808,400 | 1,865 |
| Average equity | $44,964,600 | 1,921 |
| Average total loans | $360,058,800 | 1,490 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2352% | 1,056 |
| Cost of funding earning assets | 0.3742% | 1,902 |
| Net interest margin | 3.8610% | 1,002 |
| Noninterest income to average assets | 0.6528% | 1,995 |
| Noninterest expense to average assets | 2.3681% | 2,540 |
| Loan and lease loss provision to assets | 0.1163% | 1,033 |
| Net operating income to assets | 1.7862% | 681 |
| Return on assets (ROA) | 1.7950% | 704 |
| Pretax return on assets | 1.7950% | 1,173 |
| Return on Equity (ROE) | 17.5129% | 686 |
| Retained earnings to average equity (ytd only) | 9.0423% | 1,673 |
| Net charge-offs to loans | -0.0041% | 3,379 |
| Credit loss provision to net charge-offs | -3,463.6364% | 4,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4523% | 3,597 |
| Assets per employee ($millions) | 4.9176% | 3,778 |
| Cash dividends to net income (ytd only)* | 48.3679% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 3,580 |
| Loan loss allowance to noncurrent loans | 171.6711% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 1,381 |
| Noncurrent loans to loans | 0.6226% | 1,753 |
| Net loans and leases to total assets | 82.1757% | 178 |
| Net loans and leases to deposits | 92.5353% | 467 |
| Net loans and leases to core deposits | 100.7165% | 564 |
| Total domestic deposits to total assets | 88.8047% | 1,399 |
| Equity capital to assets | 10.6024% | 2,361 |
| Core capital (leverage) ratio | 10.4702% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0452% | 2,348 |
| Memoranda: | ||
| Average total assets | $436,898,500 | 1,900 |
| Average earning assets | $409,385,750 | 1,888 |
| Average equity | $44,781,000 | 1,954 |
| Average total loans | $358,394,500 | 1,521 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 993 |
| Cost of funding earning assets | 0.3975% | 1,901 |
| Net interest margin | 3.9121% | 950 |
| Noninterest income to average assets | 0.6033% | 2,204 |
| Noninterest expense to average assets | 2.3090% | 2,744 |
| Loan and lease loss provision to assets | 0.1186% | 1,063 |
| Net operating income to assets | 1.8399% | 658 |
| Return on assets (ROA) | 1.8399% | 685 |
| Pretax return on assets | 1.8399% | 1,145 |
| Return on Equity (ROE) | 18.1564% | 629 |
| Retained earnings to average equity (ytd only) | 8.4973% | 1,895 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1061% | 3,786 |
| Assets per employee ($millions) | 4.8119% | 3,828 |
| Cash dividends to net income (ytd only)* | 53.1994% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,733 |
| Loan loss allowance to noncurrent loans | 114.1538% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.7995% | 1,013 |
| Noncurrent loans to loans | 0.9003% | 1,377 |
| Net loans and leases to total assets | 83.4231% | 153 |
| Net loans and leases to deposits | 93.7603% | 470 |
| Net loans and leases to core deposits | 102.3902% | 582 |
| Total domestic deposits to total assets | 88.9749% | 1,294 |
| Equity capital to assets | 10.4911% | 2,400 |
| Core capital (leverage) ratio | 10.0083% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6408% | 2,498 |
| Memoranda: | ||
| Average total assets | $438,280,667 | 1,887 |
| Average earning assets | $410,520,333 | 1,879 |
| Average equity | $44,414,000 | 1,956 |
| Average total loans | $358,039,667 | 1,531 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2282% | 1,149 |
| Cost of funding earning assets | 0.4217% | 1,925 |
| Net interest margin | 3.8065% | 1,123 |
| Noninterest income to average assets | 0.6055% | 2,181 |
| Noninterest expense to average assets | 2.2026% | 3,107 |
| Loan and lease loss provision to assets | 0.0686% | 1,778 |
| Net operating income to assets | 1.9021% | 663 |
| Return on assets (ROA) | 1.9021% | 713 |
| Pretax return on assets | 1.9021% | 1,114 |
| Return on Equity (ROE) | 19.0957% | 615 |
| Retained earnings to average equity (ytd only) | 19.0957% | 314 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7784% | 3,931 |
| Assets per employee ($millions) | 5.3476% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 3,998 |
| Loan loss allowance to noncurrent loans | 107.2384% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.7320% | 1,266 |
| Noncurrent loans to loans | 0.8924% | 1,518 |
| Net loans and leases to total assets | 81.2336% | 267 |
| Net loans and leases to deposits | 90.7886% | 661 |
| Net loans and leases to core deposits | 98.9262% | 763 |
| Total domestic deposits to total assets | 89.4756% | 1,078 |
| Equity capital to assets | 10.0431% | 2,671 |
| Core capital (leverage) ratio | 10.1589% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3428% | 2,549 |
| Memoranda: | ||
| Average total assets | $443,292,000 | 1,861 |
| Average earning assets | $415,500,000 | 1,851 |
| Average equity | $44,156,500 | 1,946 |
| Average total loans | $356,571,500 | 1,540 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5769% | 1,138 |
| Cost of funding earning assets | 0.7379% | 1,520 |
| Net interest margin | 3.8389% | 1,395 |
| Noninterest income to average assets | 0.7473% | 1,698 |
| Noninterest expense to average assets | 2.4487% | 2,996 |
| Loan and lease loss provision to assets | 0.0746% | 3,447 |
| Net operating income to assets | 1.6141% | 620 |
| Return on assets (ROA) | 1.6141% | 674 |
| Pretax return on assets | 1.7782% | 723 |
| Return on Equity (ROE) | 15.6444% | 545 |
| Retained earnings to average equity (ytd only) | 9.0492% | 760 |
| Net charge-offs to loans | 0.0280% | 2,475 |
| Credit loss provision to net charge-offs | 322.5806% | 1,662 |
| Earnings coverage of net charge-offs (x) | 80.1075% | 895 |
| Efficiency ratio | 56.9265% | 3,866 |
| Assets per employee ($millions) | 5.0858% | 3,300 |
| Cash dividends to net income (ytd only)* | 42.1572% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,865 |
| Loan loss allowance to noncurrent loans | 80.7018% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.9774% | 985 |
| Noncurrent loans to loans | 1.2402% | 1,115 |
| Net loans and leases to total assets | 78.0242% | 601 |
| Net loans and leases to deposits | 87.0463% | 1,171 |
| Net loans and leases to core deposits | 95.2584% | 1,166 |
| Total domestic deposits to total assets | 89.6354% | 710 |
| Equity capital to assets | 9.8767% | 3,236 |
| Core capital (leverage) ratio | 10.0179% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5467% | 2,425 |
| Memoranda: | ||
| Average total assets | $402,093,000 | 1,857 |
| Average earning assets | $372,263,600 | 1,864 |
| Average equity | $41,484,400 | 1,971 |
| Average total loans | $332,481,000 | 1,567 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9366% | 685 |
| Cost of funding earning assets | 0.8145% | 1,421 |
| Net interest margin | 4.1221% | 857 |
| Noninterest income to average assets | 0.7337% | 1,691 |
| Noninterest expense to average assets | 2.4820% | 2,902 |
| Loan and lease loss provision to assets | 0.0783% | 3,337 |
| Net operating income to assets | 1.7552% | 504 |
| Return on assets (ROA) | 1.7552% | 566 |
| Pretax return on assets | 1.9789% | 539 |
| Return on Equity (ROE) | 16.8125% | 461 |
| Retained earnings to average equity (ytd only) | 11.3371% | 516 |
| Net charge-offs to loans | 0.0210% | 2,437 |
| Credit loss provision to net charge-offs | 444.2308% | 1,379 |
| Earnings coverage of net charge-offs (x) | 116.6923% | 707 |
| Efficiency ratio | 54.6792% | 4,078 |
| Assets per employee ($millions) | 4.8578% | 3,422 |
| Cash dividends to net income (ytd only)* | 32.5671% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 3,883 |
| Loan loss allowance to noncurrent loans | 75.4409% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 960 |
| Noncurrent loans to loans | 1.2619% | 1,183 |
| Net loans and leases to total assets | 85.2259% | 193 |
| Net loans and leases to deposits | 97.0095% | 687 |
| Net loans and leases to core deposits | 106.7338% | 819 |
| Total domestic deposits to total assets | 87.8532% | 1,285 |
| Equity capital to assets | 10.2755% | 2,985 |
| Core capital (leverage) ratio | 10.1009% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7987% | 2,685 |
| Memoranda: | ||
| Average total assets | $393,270,750 | 1,867 |
| Average earning assets | $363,077,000 | 1,869 |
| Average equity | $41,055,750 | 1,971 |
| Average total loans | $329,422,750 | 1,573 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3629% | 434 |
| Cost of funding earning assets | 0.9045% | 1,358 |
| Net interest margin | 4.4583% | 551 |
| Noninterest income to average assets | 0.6694% | 1,861 |
| Noninterest expense to average assets | 2.5271% | 2,894 |
| Loan and lease loss provision to assets | 0.0800% | 3,293 |
| Net operating income to assets | 1.8437% | 459 |
| Return on assets (ROA) | 1.8437% | 504 |
| Pretax return on assets | 2.1631% | 384 |
| Return on Equity (ROE) | 17.5605% | 408 |
| Retained earnings to average equity (ytd only) | 15.4334% | 203 |
| Net charge-offs to loans | 0.0182% | 2,356 |
| Credit loss provision to net charge-offs | 531.0345% | 1,179 |
| Earnings coverage of net charge-offs (x) | 148.9310% | 537 |
| Efficiency ratio | 52.9777% | 4,278 |
| Assets per employee ($millions) | 5.0134% | 3,157 |
| Cash dividends to net income (ytd only)* | 12.1127% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 3,808 |
| Loan loss allowance to noncurrent loans | 75.1450% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.0643% | 1,088 |
| Noncurrent loans to loans | 1.2622% | 1,233 |
| Net loans and leases to total assets | 83.5219% | 293 |
| Net loans and leases to deposits | 93.4820% | 1,009 |
| Net loans and leases to core deposits | 102.6529% | 1,084 |
| Total domestic deposits to total assets | 89.3454% | 630 |
| Equity capital to assets | 10.0956% | 3,111 |
| Core capital (leverage) ratio | 10.0880% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8412% | 2,674 |
| Memoranda: | ||
| Average total assets | $385,103,667 | 1,868 |
| Average earning assets | $354,212,667 | 1,879 |
| Average equity | $40,431,667 | 1,977 |
| Average total loans | $319,406,333 | 1,597 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 1,531 |
| Cost of funding earning assets | 1.0496% | 1,217 |
| Net interest margin | 3.7094% | 2,291 |
| Noninterest income to average assets | 0.6255% | 1,927 |
| Noninterest expense to average assets | 2.5541% | 3,119 |
| Loan and lease loss provision to assets | 0.0839% | 2,646 |
| Net operating income to assets | 0.6908% | 3,305 |
| Return on assets (ROA) | 0.6908% | 3,374 |
| Pretax return on assets | 1.3610% | 1,683 |
| Return on Equity (ROE) | 6.4382% | 3,154 |
| Retained earnings to average equity (ytd only) | 5.4227% | 2,105 |
| Net charge-offs to loans | 0.0358% | 1,695 |
| Credit loss provision to net charge-offs | 285.1852% | 1,213 |
| Earnings coverage of net charge-offs (x) | 49.1111% | 908 |
| Efficiency ratio | 63.8692% | 3,254 |
| Assets per employee ($millions) | 4.4395% | 3,346 |
| Cash dividends to net income (ytd only)* | 15.7729% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 3,305 |
| Loan loss allowance to noncurrent loans | 75.1312% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.1615% | 1,088 |
| Noncurrent loans to loans | 1.4388% | 1,111 |
| Net loans and leases to total assets | 79.8519% | 712 |
| Net loans and leases to deposits | 93.2720% | 1,154 |
| Net loans and leases to core deposits | 104.3621% | 1,163 |
| Total domestic deposits to total assets | 85.6119% | 2,166 |
| Equity capital to assets | 10.5157% | 3,303 |
| Core capital (leverage) ratio | 11.1436% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2718% | 2,167 |
| Memoranda: | ||
| Average total assets | $367,094,500 | 1,899 |
| Average earning assets | $333,852,000 | 1,918 |
| Average equity | $39,390,000 | 2,007 |
| Average total loans | $301,561,000 | 1,641 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1679% | 1,069 |
| Cost of funding earning assets | 1.1709% | 1,094 |
| Net interest margin | 3.9970% | 1,868 |
| Noninterest income to average assets | 0.6833% | 1,873 |
| Noninterest expense to average assets | 2.6171% | 3,129 |
| Loan and lease loss provision to assets | 0.0884% | 2,253 |
| Net operating income to assets | 1.2433% | 1,892 |
| Return on assets (ROA) | 1.2650% | 1,906 |
| Pretax return on assets | 1.6546% | 1,325 |
| Return on Equity (ROE) | 11.4695% | 1,703 |
| Retained earnings to average equity (ytd only) | 8.3985% | 859 |
| Net charge-offs to loans | 0.0657% | 2,152 |
| Credit loss provision to net charge-offs | 157.8947% | 1,628 |
| Earnings coverage of net charge-offs (x) | 30.6579% | 1,560 |
| Efficiency ratio | 60.4038% | 3,631 |
| Assets per employee ($millions) | 4.4053% | 3,362 |
| Cash dividends to net income (ytd only)* | 26.7753% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 3,024 |
| Loan loss allowance to noncurrent loans | 74.6891% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.2168% | 959 |
| Noncurrent loans to loans | 1.4546% | 1,003 |
| Net loans and leases to total assets | 82.7446% | 460 |
| Net loans and leases to deposits | 95.9970% | 941 |
| Net loans and leases to core deposits | 107.5148% | 1,007 |
| Total domestic deposits to total assets | 86.1950% | 1,987 |
| Equity capital to assets | 10.9571% | 3,047 |
| Core capital (leverage) ratio | 11.3515% | 2,214 |
| Tier 1 risk-based capital ratio | 13.1730% | 3,699 |
| Total risk-based capital ratio | 14.2656% | 3,658 |
| Memoranda: | ||
| Average total assets | $339,532,800 | 1,947 |
| Average earning assets | $310,008,600 | 1,968 |
| Average equity | $37,447,000 | 2,031 |
| Average total loans | $289,033,600 | 1,651 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2242% | 992 |
| Cost of funding earning assets | 1.1717% | 1,108 |
| Net interest margin | 4.0525% | 1,753 |
| Noninterest income to average assets | 0.6853% | 1,849 |
| Noninterest expense to average assets | 2.6096% | 3,140 |
| Loan and lease loss provision to assets | 0.0895% | 2,111 |
| Net operating income to assets | 1.2578% | 1,994 |
| Return on assets (ROA) | 1.2776% | 2,006 |
| Pretax return on assets | 1.7075% | 1,320 |
| Return on Equity (ROE) | 11.5638% | 1,780 |
| Retained earnings to average equity (ytd only) | 8.8348% | 1,091 |
| Net charge-offs to loans | 0.0381% | 2,328 |
| Credit loss provision to net charge-offs | 274.3902% | 1,013 |
| Earnings coverage of net charge-offs (x) | 54.3296% | 1,132 |
| Efficiency ratio | 59.5588% | 3,720 |
| Assets per employee ($millions) | 4.1319% | 3,708 |
| Cash dividends to net income (ytd only)* | 23.5990% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 2,890 |
| Loan loss allowance to noncurrent loans | 44.7052% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 2.2169% | 358 |
| Noncurrent loans to loans | 2.5211% | 458 |
| Net loans and leases to total assets | 86.9434% | 137 |
| Net loans and leases to deposits | 99.9357% | 641 |
| Net loans and leases to core deposits | 112.9955% | 796 |
| Total domestic deposits to total assets | 86.9994% | 1,517 |
| Equity capital to assets | 11.6389% | 2,569 |
| Core capital (leverage) ratio | 11.3082% | 2,370 |
| Tier 1 risk-based capital ratio | 13.7957% | 3,425 |
| Total risk-based capital ratio | 14.9724% | 3,372 |
| Memoranda: | ||
| Average total assets | $335,209,000 | 1,970 |
| Average earning assets | $305,746,250 | 1,995 |
| Average equity | $37,034,250 | 2,060 |
| Average total loans | $286,667,250 | 1,670 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 1,129 |
| Cost of funding earning assets | 1.1032% | 1,285 |
| Net interest margin | 4.0364% | 1,810 |
| Noninterest income to average assets | 0.6010% | 2,146 |
| Noninterest expense to average assets | 2.5751% | 3,265 |
| Loan and lease loss provision to assets | 0.0891% | 2,064 |
| Net operating income to assets | 1.2098% | 2,115 |
| Return on assets (ROA) | 1.2098% | 2,178 |
| Pretax return on assets | 1.6178% | 1,493 |
| Return on Equity (ROE) | 11.1450% | 1,921 |
| Retained earnings to average equity (ytd only) | 7.9990% | 1,398 |
| Net charge-offs to loans | 0.0561% | 1,841 |
| Credit loss provision to net charge-offs | 187.5000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 35.9250% | 1,313 |
| Efficiency ratio | 60.1387% | 3,707 |
| Assets per employee ($millions) | 4.2322% | 3,524 |
| Cash dividends to net income (ytd only)* | 28.2278% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 3,007 |
| Loan loss allowance to noncurrent loans | 43.9008% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 2.4125% | 315 |
| Noncurrent loans to loans | 2.5355% | 466 |
| Net loans and leases to total assets | 86.1988% | 198 |
| Net loans and leases to deposits | 98.5745% | 792 |
| Net loans and leases to core deposits | 113.5262% | 797 |
| Total domestic deposits to total assets | 87.4454% | 1,366 |
| Equity capital to assets | 11.3372% | 2,751 |
| Core capital (leverage) ratio | 11.3195% | 2,318 |
| Tier 1 risk-based capital ratio | 12.9277% | 3,876 |
| Total risk-based capital ratio | 14.0343% | 3,856 |
| Memoranda: | ||
| Average total assets | $336,760,670 | 1,978 |
| Average earning assets | $307,104,330 | 1,999 |
| Average equity | $36,554,670 | 2,077 |
| Average total loans | $285,332,670 | 1,687 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1397% | 1,025 |
| Cost of funding earning assets | 1.0553% | 1,356 |
| Net interest margin | 4.0844% | 1,594 |
| Noninterest income to average assets | 0.4928% | 2,600 |
| Noninterest expense to average assets | 2.5582% | 3,346 |
| Loan and lease loss provision to assets | 0.0882% | 1,948 |
| Net operating income to assets | 1.1677% | 2,185 |
| Return on assets (ROA) | 1.1715% | 2,225 |
| Pretax return on assets | 1.5702% | 1,546 |
| Return on Equity (ROE) | 11.0301% | 1,935 |
| Retained earnings to average equity (ytd only) | 8.2615% | 1,570 |
| Net charge-offs to loans | 0.1126% | 1,058 |
| Credit loss provision to net charge-offs | 93.7500% | 1,682 |
| Earnings coverage of net charge-offs (x) | 17.5750% | 1,652 |
| Efficiency ratio | 60.7372% | 3,712 |
| Assets per employee ($millions) | 4.3406% | 3,429 |
| Cash dividends to net income (ytd only)* | 25.1004% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 3,046 |
| Loan loss allowance to noncurrent loans | 441.8079% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 3,023 |
| Noncurrent loans to loans | 0.2523% | 3,661 |
| Net loans and leases to total assets | 80.9202% | 719 |
| Net loans and leases to deposits | 91.6290% | 1,441 |
| Net loans and leases to core deposits | 103.3341% | 1,361 |
| Total domestic deposits to total assets | 88.3129% | 1,178 |
| Equity capital to assets | 10.6723% | 3,187 |
| Core capital (leverage) ratio | 10.6763% | 2,867 |
| Tier 1 risk-based capital ratio | 12.9675% | 3,893 |
| Total risk-based capital ratio | 14.0728% | 3,865 |
| Memoranda: | ||
| Average total assets | $340,086,500 | 1,979 |
| Average earning assets | $309,669,000 | 2,001 |
| Average equity | $36,119,500 | 2,090 |
| Average total loans | $284,122,500 | 1,700 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9727% | 1,108 |
| Cost of funding earning assets | 0.8464% | 1,325 |
| Net interest margin | 4.1264% | 1,599 |
| Noninterest income to average assets | 0.6367% | 2,120 |
| Noninterest expense to average assets | 2.6361% | 3,224 |
| Loan and lease loss provision to assets | 0.1454% | 1,471 |
| Net operating income to assets | 1.2377% | 2,023 |
| Return on assets (ROA) | 1.2377% | 2,013 |
| Pretax return on assets | 1.6128% | 1,425 |
| Return on Equity (ROE) | 12.1315% | 1,667 |
| Retained earnings to average equity (ytd only) | 8.9715% | 878 |
| Net charge-offs to loans | 0.0241% | 2,922 |
| Credit loss provision to net charge-offs | 702.8986% | 499 |
| Earnings coverage of net charge-offs (x) | 84.9710% | 830 |
| Efficiency ratio | 59.9877% | 3,863 |
| Assets per employee ($millions) | 4.4969% | 3,178 |
| Cash dividends to net income (ytd only)* | 26.0480% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 3,179 |
| Loan loss allowance to noncurrent loans | 311.9522% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 2,640 |
| Noncurrent loans to loans | 0.3491% | 3,291 |
| Net loans and leases to total assets | 84.3560% | 383 |
| Net loans and leases to deposits | 95.2739% | 1,144 |
| Net loans and leases to core deposits | 110.3332% | 977 |
| Total domestic deposits to total assets | 88.5405% | 1,053 |
| Equity capital to assets | 10.5682% | 3,109 |
| Core capital (leverage) ratio | 10.6799% | 2,854 |
| Tier 1 risk-based capital ratio | 12.6678% | 4,038 |
| Total risk-based capital ratio | 13.7714% | 3,993 |
| Memoranda: | ||
| Average total assets | $333,452,400 | 1,971 |
| Average earning assets | $303,656,600 | 2,002 |
| Average equity | $34,019,000 | 2,111 |
| Average total loans | $286,333,200 | 1,658 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9014% | 1,153 |
| Cost of funding earning assets | 0.7984% | 1,347 |
| Net interest margin | 4.1030% | 1,618 |
| Noninterest income to average assets | 0.5449% | 2,591 |
| Noninterest expense to average assets | 2.6297% | 3,199 |
| Loan and lease loss provision to assets | 0.0842% | 2,281 |
| Net operating income to assets | 1.1837% | 2,297 |
| Return on assets (ROA) | 1.1837% | 2,303 |
| Pretax return on assets | 1.5775% | 1,645 |
| Return on Equity (ROE) | 11.7095% | 1,904 |
| Retained earnings to average equity (ytd only) | 9.3295% | 1,104 |
| Net charge-offs to loans | 0.0308% | 2,479 |
| Credit loss provision to net charge-offs | 318.1818% | 976 |
| Earnings coverage of net charge-offs (x) | 62.7864% | 1,029 |
| Efficiency ratio | 61.2783% | 3,620 |
| Assets per employee ($millions) | 4.2869% | 3,451 |
| Cash dividends to net income (ytd only)* | 20.3252% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 3,852 |
| Loan loss allowance to noncurrent loans | 300.5252% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 2,796 |
| Noncurrent loans to loans | 0.3285% | 3,492 |
| Net loans and leases to total assets | 85.8059% | 278 |
| Net loans and leases to deposits | 102.2567% | 630 |
| Net loans and leases to core deposits | 121.9885% | 513 |
| Total domestic deposits to total assets | 83.9123% | 2,978 |
| Equity capital to assets | 10.3954% | 3,241 |
| Core capital (leverage) ratio | 10.5603% | 3,018 |
| Tier 1 risk-based capital ratio | 12.2804% | 4,332 |
| Total risk-based capital ratio | 13.2778% | 4,370 |
| Memoranda: | ||
| Average total assets | $332,499,000 | 1,985 |
| Average earning assets | $303,606,250 | 2,014 |
| Average equity | $33,613,000 | 2,135 |
| Average total loans | $286,007,500 | 1,659 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 1,278 |
| Cost of funding earning assets | 0.7698% | 1,281 |
| Net interest margin | 4.0196% | 1,792 |
| Noninterest income to average assets | 0.5556% | 2,548 |
| Noninterest expense to average assets | 2.6251% | 3,242 |
| Loan and lease loss provision to assets | 0.0814% | 2,282 |
| Net operating income to assets | 1.1396% | 2,436 |
| Return on assets (ROA) | 1.1396% | 2,443 |
| Pretax return on assets | 1.5247% | 1,729 |
| Return on Equity (ROE) | 11.3811% | 1,959 |
| Retained earnings to average equity (ytd only) | 8.9736% | 1,229 |
| Net charge-offs to loans | 0.0070% | 2,880 |
| Credit loss provision to net charge-offs | 1,350.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 266.5000% | 340 |
| Efficiency ratio | 62.0424% | 3,618 |
| Assets per employee ($millions) | 4.4139% | 3,259 |
| Cash dividends to net income (ytd only)* | 21.1528% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 3,946 |
| Loan loss allowance to noncurrent loans | 169.9163% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 2,550 |
| Noncurrent loans to loans | 0.5782% | 2,690 |
| Net loans and leases to total assets | 85.3607% | 323 |
| Net loans and leases to deposits | 98.8324% | 895 |
| Net loans and leases to core deposits | 124.4248% | 446 |
| Total domestic deposits to total assets | 86.3691% | 2,111 |
| Equity capital to assets | 10.1264% | 3,513 |
| Core capital (leverage) ratio | 10.3419% | 3,195 |
| Tier 1 risk-based capital ratio | 11.8021% | 4,623 |
| Total risk-based capital ratio | 12.7782% | 4,668 |
| Memoranda: | ||
| Average total assets | $331,872,330 | 1,998 |
| Average earning assets | $303,463,000 | 2,029 |
| Average equity | $33,230,670 | 2,157 |
| Average total loans | $284,750,670 | 1,664 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6904% | 1,328 |
| Cost of funding earning assets | 0.6888% | 1,503 |
| Net interest margin | 4.0015% | 1,724 |
| Noninterest income to average assets | 0.5393% | 2,580 |
| Noninterest expense to average assets | 2.5909% | 3,362 |
| Loan and lease loss provision to assets | 0.0727% | 2,308 |
| Net operating income to assets | 1.1440% | 2,246 |
| Return on assets (ROA) | 1.1440% | 2,259 |
| Pretax return on assets | 1.5293% | 1,597 |
| Return on Equity (ROE) | 11.4908% | 1,775 |
| Retained earnings to average equity (ytd only) | 6.6218% | 2,447 |
| Net charge-offs to loans | 0.0071% | 2,486 |
| Credit loss provision to net charge-offs | 1,200.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 264.4000% | 258 |
| Efficiency ratio | 61.7919% | 3,824 |
| Assets per employee ($millions) | 4.4428% | 3,258 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9733% | 4,101 |
| Loan loss allowance to noncurrent loans | 290.2618% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 3,457 |
| Noncurrent loans to loans | 0.3353% | 3,562 |
| Net loans and leases to total assets | 84.6426% | 371 |
| Net loans and leases to deposits | 95.1754% | 1,112 |
| Net loans and leases to core deposits | 113.6507% | 820 |
| Total domestic deposits to total assets | 88.9332% | 1,127 |
| Equity capital to assets | 9.9108% | 3,685 |
| Core capital (leverage) ratio | 10.2143% | 3,286 |
| Tier 1 risk-based capital ratio | 11.7143% | 4,734 |
| Total risk-based capital ratio | 12.6861% | 4,791 |
| Memoranda: | ||
| Average total assets | $330,079,000 | 2,016 |
| Average earning assets | $301,383,500 | 2,052 |
| Average equity | $32,861,000 | 2,192 |
| Average total loans | $282,530,500 | 1,686 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5853% | 1,471 |
| Cost of funding earning assets | 0.6036% | 1,577 |
| Net interest margin | 3.9817% | 1,803 |
| Noninterest income to average assets | 0.7199% | 1,885 |
| Noninterest expense to average assets | 2.6094% | 3,412 |
| Loan and lease loss provision to assets | 0.0559% | 3,113 |
| Net operating income to assets | 1.0206% | 2,148 |
| Return on assets (ROA) | 1.0206% | 2,182 |
| Pretax return on assets | 1.6760% | 1,075 |
| Return on Equity (ROE) | 10.3813% | 1,730 |
| Retained earnings to average equity (ytd only) | 6.1991% | 1,435 |
| Net charge-offs to loans | 0.0893% | 2,199 |
| Credit loss provision to net charge-offs | 74.3802% | 3,024 |
| Earnings coverage of net charge-offs (x) | 23.0620% | 1,826 |
| Efficiency ratio | 60.1072% | 4,251 |
| Assets per employee ($millions) | 4.3019% | 3,479 |
| Cash dividends to net income (ytd only)* | 40.2858% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 4,107 |
| Loan loss allowance to noncurrent loans | 277.1429% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 3,421 |
| Noncurrent loans to loans | 0.3497% | 3,506 |
| Net loans and leases to total assets | 84.8868% | 354 |
| Net loans and leases to deposits | 98.9535% | 820 |
| Net loans and leases to core deposits | 117.9882% | 653 |
| Total domestic deposits to total assets | 85.7845% | 2,539 |
| Equity capital to assets | 10.0011% | 3,707 |
| Core capital (leverage) ratio | 10.0643% | 3,370 |
| Tier 1 risk-based capital ratio | 11.7210% | 4,706 |
| Total risk-based capital ratio | 12.6895% | 4,775 |
| Memoranda: | ||
| Average total assets | $322,258,000 | 2,054 |
| Average earning assets | $293,091,600 | 2,078 |
| Average equity | $31,682,000 | 2,241 |
| Average total loans | $271,044,000 | 1,707 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5524% | 1,495 |
| Cost of funding earning assets | 0.5587% | 1,821 |
| Net interest margin | 3.9936% | 1,722 |
| Noninterest income to average assets | 0.6964% | 2,020 |
| Noninterest expense to average assets | 2.6306% | 3,316 |
| Loan and lease loss provision to assets | 0.0561% | 2,970 |
| Net operating income to assets | 1.0460% | 2,350 |
| Return on assets (ROA) | 1.0460% | 2,387 |
| Pretax return on assets | 1.6398% | 1,281 |
| Return on Equity (ROE) | 10.6866% | 1,831 |
| Retained earnings to average equity (ytd only) | 6.4654% | 1,978 |
| Net charge-offs to loans | 0.1077% | 1,710 |
| Credit loss provision to net charge-offs | 62.2120% | 2,781 |
| Earnings coverage of net charge-offs (x) | 18.8200% | 2,028 |
| Efficiency ratio | 60.8024% | 4,074 |
| Assets per employee ($millions) | 4.2342% | 3,589 |
| Cash dividends to net income (ytd only)* | 39.4997% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 4,228 |
| Loan loss allowance to noncurrent loans | 208.0185% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 3,175 |
| Noncurrent loans to loans | 0.4671% | 3,299 |
| Net loans and leases to total assets | 85.4487% | 297 |
| Net loans and leases to deposits | 100.8043% | 689 |
| Net loans and leases to core deposits | 120.6191% | 572 |
| Total domestic deposits to total assets | 84.7669% | 2,810 |
| Equity capital to assets | 10.0438% | 3,863 |
| Core capital (leverage) ratio | 10.2283% | 3,284 |
| Tier 1 risk-based capital ratio | 11.4585% | 4,983 |
| Total risk-based capital ratio | 12.4118% | 5,051 |
| Memoranda: | ||
| Average total assets | $321,086,250 | 2,073 |
| Average earning assets | $291,856,500 | 2,099 |
| Average equity | $31,428,000 | 2,272 |
| Average total loans | $268,742,750 | 1,725 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5202% | 1,467 |
| Cost of funding earning assets | 0.5528% | 1,762 |
| Net interest margin | 3.9675% | 1,720 |
| Noninterest income to average assets | 0.6221% | 2,368 |
| Noninterest expense to average assets | 2.6467% | 3,277 |
| Loan and lease loss provision to assets | 0.0561% | 2,850 |
| Net operating income to assets | 0.9687% | 2,573 |
| Return on assets (ROA) | 0.9687% | 2,623 |
| Pretax return on assets | 1.5210% | 1,565 |
| Return on Equity (ROE) | 9.9838% | 2,040 |
| Retained earnings to average equity (ytd only) | 5.7693% | 2,249 |
| Net charge-offs to loans | 0.1603% | 1,203 |
| Credit loss provision to net charge-offs | 42.2535% | 2,623 |
| Earnings coverage of net charge-offs (x) | 11.8779% | 2,235 |
| Efficiency ratio | 62.6623% | 3,874 |
| Assets per employee ($millions) | 3.9940% | 3,963 |
| Cash dividends to net income (ytd only)* | 42.2136% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 4,233 |
| Loan loss allowance to noncurrent loans | 233.1870% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 3,420 |
| Noncurrent loans to loans | 0.4230% | 3,504 |
| Net loans and leases to total assets | 84.4880% | 400 |
| Net loans and leases to deposits | 97.0406% | 982 |
| Net loans and leases to core deposits | 118.3802% | 625 |
| Total domestic deposits to total assets | 87.0646% | 1,920 |
| Equity capital to assets | 10.0428% | 3,862 |
| Core capital (leverage) ratio | 10.0515% | 3,475 |
| Tier 1 risk-based capital ratio | 11.0867% | 5,203 |
| Total risk-based capital ratio | 12.0123% | 5,284 |
| Memoranda: | ||
| Average total assets | $320,848,670 | 2,078 |
| Average earning assets | $291,268,670 | 2,106 |
| Average equity | $31,130,330 | 2,284 |
| Average total loans | $265,766,670 | 1,739 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 2,004 |
| Cost of funding earning assets | 0.5434% | 1,760 |
| Net interest margin | 3.7397% | 2,357 |
| Noninterest income to average assets | 0.7641% | 1,692 |
| Noninterest expense to average assets | 2.6361% | 3,357 |
| Loan and lease loss provision to assets | 0.0556% | 2,693 |
| Net operating income to assets | 0.9508% | 2,523 |
| Return on assets (ROA) | 0.9508% | 2,583 |
| Pretax return on assets | 1.4590% | 1,668 |
| Return on Equity (ROE) | 9.9703% | 1,976 |
| Retained earnings to average equity (ytd only) | 7.5588% | 1,626 |
| Net charge-offs to loans | 0.0606% | 1,722 |
| Credit loss provision to net charge-offs | 112.5000% | 1,462 |
| Earnings coverage of net charge-offs (x) | 30.6250% | 1,206 |
| Efficiency ratio | 63.5091% | 3,913 |
| Assets per employee ($millions) | 4.0324% | 3,956 |
| Cash dividends to net income (ytd only)* | 24.1873% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 3,980 |
| Loan loss allowance to noncurrent loans | 241.8766% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 3,486 |
| Noncurrent loans to loans | 0.4339% | 3,545 |
| Net loans and leases to total assets | 82.3968% | 528 |
| Net loans and leases to deposits | 92.0835% | 1,323 |
| Net loans and leases to core deposits | 112.7770% | 738 |
| Total domestic deposits to total assets | 89.4805% | 904 |
| Equity capital to assets | 9.7922% | 3,983 |
| Core capital (leverage) ratio | 9.9632% | 3,549 |
| Tier 1 risk-based capital ratio | 12.2895% | 4,513 |
| Total risk-based capital ratio | 13.3760% | 4,534 |
| Memoranda: | ||
| Average total assets | $323,508,500 | 2,077 |
| Average earning assets | $292,964,500 | 2,114 |
| Average equity | $30,851,500 | 2,307 |
| Average total loans | $264,030,000 | 1,759 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 1,803 |
| Cost of funding earning assets | 0.5954% | 1,370 |
| Net interest margin | 3.8097% | 2,283 |
| Noninterest income to average assets | 0.7406% | 1,993 |
| Noninterest expense to average assets | 2.7432% | 3,215 |
| Loan and lease loss provision to assets | 0.0757% | 2,841 |
| Net operating income to assets | 0.8859% | 2,900 |
| Return on assets (ROA) | 0.8991% | 2,945 |
| Pretax return on assets | 1.4079% | 1,914 |
| Return on Equity (ROE) | 9.8095% | 2,049 |
| Retained earnings to average equity (ytd only) | 6.3814% | 1,509 |
| Net charge-offs to loans | 0.0023% | 4,195 |
| Credit loss provision to net charge-offs | 4,116.6667% | 109 |
| Earnings coverage of net charge-offs (x) | 795.5000% | 97 |
| Efficiency ratio | 65.2164% | 3,727 |
| Assets per employee ($millions) | 4.1577% | 3,688 |
| Cash dividends to net income (ytd only)* | 34.9472% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 3,963 |
| Loan loss allowance to noncurrent loans | 225.0202% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6500% | 2,780 |
| Noncurrent loans to loans | 0.4700% | 3,465 |
| Net loans and leases to total assets | 79.1622% | 1,014 |
| Net loans and leases to deposits | 88.1827% | 1,900 |
| Net loans and leases to core deposits | 106.3974% | 1,107 |
| Total domestic deposits to total assets | 89.7706% | 738 |
| Equity capital to assets | 9.2886% | 4,485 |
| Core capital (leverage) ratio | 9.6284% | 3,934 |
| Tier 1 risk-based capital ratio | 11.9898% | 4,735 |
| Total risk-based capital ratio | 13.0679% | 4,747 |
| Memoranda: | ||
| Average total assets | $326,219,000 | 2,025 |
| Average earning assets | $296,767,400 | 2,066 |
| Average equity | $29,899,600 | 2,355 |
| Average total loans | $262,707,200 | 1,715 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,183 |
| Cost of funding earning assets | 0.5976% | 1,351 |
| Net interest margin | 3.6935% | 2,743 |
| Noninterest income to average assets | 0.7681% | 1,893 |
| Noninterest expense to average assets | 2.7406% | 3,215 |
| Loan and lease loss provision to assets | 0.0827% | 2,554 |
| Net operating income to assets | 0.8427% | 3,185 |
| Return on assets (ROA) | 0.8598% | 3,230 |
| Pretax return on assets | 1.3421% | 2,265 |
| Return on Equity (ROE) | 9.4124% | 2,303 |
| Retained earnings to average equity (ytd only) | 5.6250% | 2,414 |
| Net charge-offs to loans | 0.0041% | 3,780 |
| Credit loss provision to net charge-offs | 2,525.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 426.7310% | 206 |
| Efficiency ratio | 66.2182% | 3,557 |
| Assets per employee ($millions) | 4.1282% | 3,738 |
| Cash dividends to net income (ytd only)* | 40.2381% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 4,316 |
| Loan loss allowance to noncurrent loans | 209.7467% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6930% | 2,838 |
| Noncurrent loans to loans | 0.4849% | 3,553 |
| Net loans and leases to total assets | 83.6728% | 442 |
| Net loans and leases to deposits | 97.3358% | 917 |
| Net loans and leases to core deposits | 118.5674% | 556 |
| Total domestic deposits to total assets | 85.9630% | 2,378 |
| Equity capital to assets | 9.5393% | 4,622 |
| Core capital (leverage) ratio | 9.4936% | 4,194 |
| Tier 1 risk-based capital ratio | 11.6769% | 4,992 |
| Total risk-based capital ratio | 12.7317% | 5,010 |
| Memoranda: | ||
| Average total assets | $325,659,750 | 2,033 |
| Average earning assets | $297,200,250 | 2,064 |
| Average equity | $29,747,250 | 2,381 |
| Average total loans | $262,686,000 | 1,721 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 2,245 |
| Cost of funding earning assets | 0.5984% | 1,326 |
| Net interest margin | 3.6727% | 2,812 |
| Noninterest income to average assets | 0.7963% | 1,731 |
| Noninterest expense to average assets | 2.6967% | 3,405 |
| Loan and lease loss provision to assets | 0.0950% | 2,256 |
| Net operating income to assets | 0.8925% | 2,896 |
| Return on assets (ROA) | 0.9231% | 2,891 |
| Pretax return on assets | 1.4013% | 2,019 |
| Return on Equity (ROE) | 10.2520% | 1,946 |
| Retained earnings to average equity (ytd only) | 6.5640% | 1,838 |
| Net charge-offs to loans | -0.0015% | 4,346 |
| Credit loss provision to net charge-offs | -7,800.0000% | 5,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0309% | 3,844 |
| Assets per employee ($millions) | 4.0651% | 3,791 |
| Cash dividends to net income (ytd only)* | 35.9736% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 4,453 |
| Loan loss allowance to noncurrent loans | 216.2791% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8004% | 2,592 |
| Noncurrent loans to loans | 0.4672% | 3,689 |
| Net loans and leases to total assets | 81.2439% | 718 |
| Net loans and leases to deposits | 91.7810% | 1,541 |
| Net loans and leases to core deposits | 113.3389% | 755 |
| Total domestic deposits to total assets | 88.5193% | 1,157 |
| Equity capital to assets | 9.2754% | 5,001 |
| Core capital (leverage) ratio | 9.0543% | 4,768 |
| Tier 1 risk-based capital ratio | 11.5466% | 5,124 |
| Total risk-based capital ratio | 12.5857% | 5,156 |
| Memoranda: | ||
| Average total assets | $328,255,000 | 2,023 |
| Average earning assets | $299,450,670 | 2,060 |
| Average equity | $29,555,330 | 2,400 |
| Average total loans | $260,679,000 | 1,731 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2349% | 2,347 |
| Cost of funding earning assets | 0.5658% | 1,575 |
| Net interest margin | 3.6691% | 2,807 |
| Noninterest income to average assets | 0.5602% | 2,740 |
| Noninterest expense to average assets | 2.5548% | 3,895 |
| Loan and lease loss provision to assets | 0.0970% | 2,075 |
| Net operating income to assets | 0.8066% | 3,207 |
| Return on assets (ROA) | 0.8524% | 3,111 |
| Pretax return on assets | 1.3216% | 2,213 |
| Return on Equity (ROE) | 9.5911% | 2,161 |
| Retained earnings to average equity (ytd only) | 9.5911% | 956 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4755% | 3,882 |
| Assets per employee ($millions) | 4.2545% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 4,750 |
| Loan loss allowance to noncurrent loans | 220.0840% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7974% | 2,705 |
| Noncurrent loans to loans | 0.4423% | 3,855 |
| Net loans and leases to total assets | 80.2892% | 776 |
| Net loans and leases to deposits | 90.8967% | 1,471 |
| Net loans and leases to core deposits | 111.6892% | 766 |
| Total domestic deposits to total assets | 88.3302% | 1,447 |
| Equity capital to assets | 8.9619% | 5,205 |
| Core capital (leverage) ratio | 9.1454% | 4,669 |
| Tier 1 risk-based capital ratio | 11.2678% | 5,361 |
| Total risk-based capital ratio | 12.2591% | 5,407 |
| Memoranda: | ||
| Average total assets | $329,893,500 | 2,029 |
| Average earning assets | $300,455,500 | 2,057 |
| Average equity | $29,319,000 | 2,416 |
| Average total loans | $257,565,000 | 1,748 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2577% | 2,359 |
| Cost of funding earning assets | 0.5379% | 1,859 |
| Net interest margin | 3.7199% | 2,679 |
| Noninterest income to average assets | 0.7393% | 2,029 |
| Noninterest expense to average assets | 2.7047% | 3,566 |
| Loan and lease loss provision to assets | 0.0234% | 3,917 |
| Net operating income to assets | 0.8723% | 3,012 |
| Return on assets (ROA) | 0.8954% | 2,981 |
| Pretax return on assets | 1.4087% | 1,864 |
| Return on Equity (ROE) | 9.8098% | 2,081 |
| Retained earnings to average equity (ytd only) | 6.4579% | 1,561 |
| Net charge-offs to loans | 0.0299% | 3,621 |
| Credit loss provision to net charge-offs | 105.8824% | 2,373 |
| Earnings coverage of net charge-offs (x) | 63.1471% | 840 |
| Efficiency ratio | 65.9558% | 3,911 |
| Assets per employee ($millions) | 4.0992% | 3,761 |
| Cash dividends to net income (ytd only)* | 34.1685% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 4,433 |
| Loan loss allowance to noncurrent loans | 194.6319% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 2,562 |
| Noncurrent loans to loans | 0.5299% | 3,581 |
| Net loans and leases to total assets | 74.2622% | 1,680 |
| Net loans and leases to deposits | 87.3342% | 1,955 |
| Net loans and leases to core deposits | 103.7909% | 1,234 |
| Total domestic deposits to total assets | 85.0322% | 3,077 |
| Equity capital to assets | 8.8120% | 5,295 |
| Core capital (leverage) ratio | 9.3322% | 4,424 |
| Tier 1 risk-based capital ratio | 11.9658% | 4,969 |
| Total risk-based capital ratio | 13.0107% | 5,018 |
| Memoranda: | ||
| Average total assets | $307,579,000 | 2,109 |
| Average earning assets | $277,940,800 | 2,152 |
| Average equity | $28,074,000 | 2,451 |
| Average total loans | $227,669,000 | 1,880 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 2,271 |
| Cost of funding earning assets | 0.5413% | 1,875 |
| Net interest margin | 3.7484% | 2,566 |
| Noninterest income to average assets | 0.7458% | 2,043 |
| Noninterest expense to average assets | 2.8161% | 3,118 |
| Loan and lease loss provision to assets | 0.0212% | 3,851 |
| Net operating income to assets | 0.8247% | 3,304 |
| Return on assets (ROA) | 0.8560% | 3,234 |
| Pretax return on assets | 1.3422% | 2,239 |
| Return on Equity (ROE) | 9.2912% | 2,422 |
| Retained earnings to average equity (ytd only) | 7.0330% | 1,668 |
| Net charge-offs to loans | -0.0173% | 5,153 |
| Credit loss provision to net charge-offs | -165.5172% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1784% | 3,505 |
| Assets per employee ($millions) | 3.9228% | 4,032 |
| Cash dividends to net income (ytd only)* | 24.3049% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 4,265 |
| Loan loss allowance to noncurrent loans | 194.4238% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.9587% | 2,455 |
| Noncurrent loans to loans | 0.5625% | 3,654 |
| Net loans and leases to total assets | 76.3110% | 1,347 |
| Net loans and leases to deposits | 88.7259% | 1,806 |
| Net loans and leases to core deposits | 105.1997% | 1,157 |
| Total domestic deposits to total assets | 86.0076% | 2,516 |
| Equity capital to assets | 9.2503% | 5,058 |
| Core capital (leverage) ratio | 9.1194% | 4,851 |
| Tier 1 risk-based capital ratio | 11.7202% | 5,255 |
| Total risk-based capital ratio | 12.7872% | 5,278 |
| Memoranda: | ||
| Average total assets | $302,489,250 | 2,150 |
| Average earning assets | $273,141,250 | 2,201 |
| Average equity | $27,868,000 | 2,476 |
| Average total loans | $223,068,250 | 1,914 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 2,434 |
| Cost of funding earning assets | 0.5339% | 1,951 |
| Net interest margin | 3.6950% | 2,728 |
| Noninterest income to average assets | 0.7033% | 2,203 |
| Noninterest expense to average assets | 2.8418% | 3,097 |
| Loan and lease loss provision to assets | 0.0313% | 3,496 |
| Net operating income to assets | 0.7337% | 3,720 |
| Return on assets (ROA) | 0.7640% | 3,673 |
| Pretax return on assets | 1.2179% | 2,706 |
| Return on Equity (ROE) | 8.3038% | 2,886 |
| Retained earnings to average equity (ytd only) | 5.2461% | 2,708 |
| Net charge-offs to loans | -0.2774% | 6,103 |
| Credit loss provision to net charge-offs | -15.5629% | 4,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2770% | 3,290 |
| Assets per employee ($millions) | 3.4330% | 4,929 |
| Cash dividends to net income (ytd only)* | 36.8237% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 3,380 |
| Loan loss allowance to noncurrent loans | 107.9282% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.2088% | 2,095 |
| Noncurrent loans to loans | 1.1800% | 2,293 |
| Net loans and leases to total assets | 74.0569% | 1,653 |
| Net loans and leases to deposits | 86.0117% | 2,053 |
| Net loans and leases to core deposits | 102.5301% | 1,293 |
| Total domestic deposits to total assets | 86.1010% | 2,643 |
| Equity capital to assets | 9.1954% | 5,021 |
| Core capital (leverage) ratio | 9.3998% | 4,418 |
| Tier 1 risk-based capital ratio | 12.0159% | 5,137 |
| Total risk-based capital ratio | 13.2555% | 5,042 |
| Memoranda: | ||
| Average total assets | $300,018,000 | 2,186 |
| Average earning assets | $271,233,000 | 2,225 |
| Average equity | $27,601,670 | 2,503 |
| Average total loans | $217,722,670 | 1,958 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 2,073 |
| Cost of funding earning assets | 0.5318% | 1,992 |
| Net interest margin | 3.7763% | 2,319 |
| Noninterest income to average assets | 0.7519% | 1,907 |
| Noninterest expense to average assets | 2.8310% | 3,134 |
| Loan and lease loss provision to assets | 0.0642% | 2,646 |
| Net operating income to assets | 0.7939% | 3,300 |
| Return on assets (ROA) | 0.8375% | 3,197 |
| Pretax return on assets | 1.3259% | 2,175 |
| Return on Equity (ROE) | 9.1013% | 2,401 |
| Retained earnings to average equity (ytd only) | 5.7574% | 2,629 |
| Net charge-offs to loans | -0.6564% | 6,279 |
| Credit loss provision to net charge-offs | -13.7143% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1701% | 3,796 |
| Assets per employee ($millions) | 3.7490% | 4,421 |
| Cash dividends to net income (ytd only)* | 36.7412% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 3,080 |
| Loan loss allowance to noncurrent loans | 94.6723% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.5578% | 1,659 |
| Noncurrent loans to loans | 1.4414% | 1,982 |
| Net loans and leases to total assets | 73.4141% | 1,581 |
| Net loans and leases to deposits | 85.3475% | 1,914 |
| Net loans and leases to core deposits | 100.0222% | 1,316 |
| Total domestic deposits to total assets | 86.0179% | 2,928 |
| Equity capital to assets | 9.6201% | 4,609 |
| Core capital (leverage) ratio | 9.2246% | 4,682 |
| Tier 1 risk-based capital ratio | 12.7003% | 4,787 |
| Total risk-based capital ratio | 13.9663% | 4,697 |
| Memoranda: | ||
| Average total assets | $298,973,500 | 2,203 |
| Average earning assets | $269,259,000 | 2,252 |
| Average equity | $27,512,500 | 2,538 |
| Average total loans | $213,275,500 | 1,994 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 2,836 |
| Cost of funding earning assets | 0.5661% | 2,083 |
| Net interest margin | 3.6679% | 3,137 |
| Noninterest income to average assets | 0.8842% | 1,554 |
| Noninterest expense to average assets | 2.7682% | 3,599 |
| Loan and lease loss provision to assets | 0.0624% | 3,269 |
| Net operating income to assets | 0.8620% | 3,053 |
| Return on assets (ROA) | 0.8842% | 3,035 |
| Pretax return on assets | 1.3974% | 1,897 |
| Return on Equity (ROE) | 9.5487% | 2,315 |
| Retained earnings to average equity (ytd only) | 6.0469% | 1,896 |
| Net charge-offs to loans | 0.1166% | 2,871 |
| Credit loss provision to net charge-offs | 75.2137% | 2,964 |
| Earnings coverage of net charge-offs (x) | 17.1838% | 1,952 |
| Efficiency ratio | 66.0159% | 4,244 |
| Assets per employee ($millions) | 4.0694% | 3,784 |
| Cash dividends to net income (ytd only)* | 36.6733% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 4,019 |
| Loan loss allowance to noncurrent loans | 61.1339% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.7874% | 1,465 |
| Noncurrent loans to loans | 1.9581% | 1,433 |
| Net loans and leases to total assets | 67.6287% | 2,621 |
| Net loans and leases to deposits | 76.5934% | 3,132 |
| Net loans and leases to core deposits | 88.1812% | 2,478 |
| Total domestic deposits to total assets | 88.2957% | 1,620 |
| Equity capital to assets | 8.8123% | 5,477 |
| Core capital (leverage) ratio | 9.0860% | 4,841 |
| Tier 1 risk-based capital ratio | 10.8185% | 5,983 |
| Total risk-based capital ratio | 11.8244% | 6,015 |
| Memoranda: | ||
| Average total assets | $282,171,400 | 2,258 |
| Average earning assets | $254,560,400 | 2,311 |
| Average equity | $26,129,200 | 2,560 |
| Average total loans | $200,744,600 | 2,029 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 2,575 |
| Cost of funding earning assets | 0.5766% | 2,048 |
| Net interest margin | 3.7352% | 2,872 |
| Noninterest income to average assets | 0.8748% | 1,605 |
| Noninterest expense to average assets | 2.8216% | 3,381 |
| Loan and lease loss provision to assets | 0.0852% | 2,652 |
| Net operating income to assets | 0.8443% | 3,209 |
| Return on assets (ROA) | 0.8744% | 3,146 |
| Pretax return on assets | 1.3866% | 2,060 |
| Return on Equity (ROE) | 9.3158% | 2,536 |
| Retained earnings to average equity (ytd only) | 5.4987% | 2,750 |
| Net charge-offs to loans | 0.1320% | 2,477 |
| Credit loss provision to net charge-offs | 89.7959% | 2,437 |
| Earnings coverage of net charge-offs (x) | 15.0151% | 2,088 |
| Efficiency ratio | 66.4462% | 4,148 |
| Assets per employee ($millions) | 3.7449% | 4,410 |
| Cash dividends to net income (ytd only)* | 40.9744% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 3,995 |
| Loan loss allowance to noncurrent loans | 67.0665% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.9161% | 1,524 |
| Noncurrent loans to loans | 1.8550% | 1,722 |
| Net loans and leases to total assets | 73.6748% | 1,577 |
| Net loans and leases to deposits | 87.2433% | 1,760 |
| Net loans and leases to core deposits | 98.9177% | 1,455 |
| Total domestic deposits to total assets | 84.4475% | 3,567 |
| Equity capital to assets | 9.5617% | 4,718 |
| Core capital (leverage) ratio | 9.6496% | 4,152 |
| Tier 1 risk-based capital ratio | 11.0747% | 5,961 |
| Total risk-based capital ratio | 12.1400% | 5,999 |
| Memoranda: | ||
| Average total assets | $275,396,500 | 2,330 |
| Average earning assets | $248,583,250 | 2,374 |
| Average equity | $25,848,000 | 2,594 |
| Average total loans | $198,008,250 | 2,066 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 2,674 |
| Cost of funding earning assets | 0.5793% | 2,075 |
| Net interest margin | 3.6987% | 2,968 |
| Noninterest income to average assets | 0.8129% | 1,793 |
| Noninterest expense to average assets | 2.8215% | 3,420 |
| Loan and lease loss provision to assets | 0.1281% | 1,924 |
| Net operating income to assets | 0.7491% | 3,573 |
| Return on assets (ROA) | 0.7729% | 3,557 |
| Pretax return on assets | 1.2459% | 2,477 |
| Return on Equity (ROE) | 8.2867% | 2,936 |
| Retained earnings to average equity (ytd only) | 4.8534% | 3,053 |
| Net charge-offs to loans | 0.1866% | 1,911 |
| Credit loss provision to net charge-offs | 96.7033% | 2,066 |
| Earnings coverage of net charge-offs (x) | 10.0934% | 2,281 |
| Efficiency ratio | 67.8509% | 4,035 |
| Assets per employee ($millions) | 3.7133% | 4,434 |
| Cash dividends to net income (ytd only)* | 41.4313% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 3,845 |
| Loan loss allowance to noncurrent loans | 73.6752% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.6376% | 2,003 |
| Noncurrent loans to loans | 1.7656% | 1,951 |
| Net loans and leases to total assets | 71.4075% | 1,842 |
| Net loans and leases to deposits | 82.3141% | 2,212 |
| Net loans and leases to core deposits | 92.9789% | 1,865 |
| Total domestic deposits to total assets | 86.7500% | 2,603 |
| Equity capital to assets | 9.5096% | 4,738 |
| Core capital (leverage) ratio | 9.5263% | 4,292 |
| Tier 1 risk-based capital ratio | 11.4472% | 5,828 |
| Total risk-based capital ratio | 12.5730% | 5,841 |
| Memoranda: | ||
| Average total assets | $274,820,000 | 2,334 |
| Average earning assets | $248,576,670 | 2,370 |
| Average equity | $25,631,330 | 2,604 |
| Average total loans | $195,096,330 | 2,086 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1777% | 2,955 |
| Cost of funding earning assets | 0.5862% | 2,106 |
| Net interest margin | 3.5914% | 3,283 |
| Noninterest income to average assets | 0.7248% | 2,056 |
| Noninterest expense to average assets | 2.6721% | 4,031 |
| Loan and lease loss provision to assets | 0.1310% | 1,854 |
| Net operating income to assets | 0.7355% | 3,514 |
| Return on assets (ROA) | 0.7830% | 3,319 |
| Pretax return on assets | 1.2415% | 2,311 |
| Return on Equity (ROE) | 8.4786% | 2,695 |
| Retained earnings to average equity (ytd only) | 7.6906% | 1,729 |
| Net charge-offs to loans | 0.1987% | 1,544 |
| Credit loss provision to net charge-offs | 93.7500% | 1,765 |
| Earnings coverage of net charge-offs (x) | 9.2917% | 1,947 |
| Efficiency ratio | 67.3021% | 4,315 |
| Assets per employee ($millions) | 3.8655% | 4,197 |
| Cash dividends to net income (ytd only)* | 9.2937% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 3,931 |
| Loan loss allowance to noncurrent loans | 68.4489% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 1.5331% | 2,306 |
| Noncurrent loans to loans | 1.9487% | 1,932 |
| Net loans and leases to total assets | 68.7279% | 2,104 |
| Net loans and leases to deposits | 78.3381% | 2,503 |
| Net loans and leases to core deposits | 88.9448% | 2,004 |
| Total domestic deposits to total assets | 87.7324% | 2,396 |
| Equity capital to assets | 9.2222% | 4,846 |
| Core capital (leverage) ratio | 9.6084% | 4,120 |
| Tier 1 risk-based capital ratio | 11.7901% | 5,769 |
| Total risk-based capital ratio | 12.9556% | 5,754 |
| Memoranda: | ||
| Average total assets | $274,837,500 | 2,340 |
| Average earning assets | $248,368,000 | 2,364 |
| Average equity | $25,381,500 | 2,613 |
| Average total loans | $193,243,000 | 2,111 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3019% | 2,955 |
| Cost of funding earning assets | 0.6298% | 2,390 |
| Net interest margin | 3.6721% | 3,164 |
| Noninterest income to average assets | 0.9287% | 1,584 |
| Noninterest expense to average assets | 2.7272% | 4,003 |
| Loan and lease loss provision to assets | 0.1346% | 2,625 |
| Net operating income to assets | 0.8790% | 2,886 |
| Return on assets (ROA) | 0.8994% | 2,874 |
| Pretax return on assets | 1.4161% | 1,728 |
| Return on Equity (ROE) | 9.4820% | 2,333 |
| Retained earnings to average equity (ytd only) | 6.6350% | 1,605 |
| Net charge-offs to loans | 0.0587% | 4,402 |
| Credit loss provision to net charge-offs | 330.1887% | 695 |
| Earnings coverage of net charge-offs (x) | 37.2453% | 1,005 |
| Efficiency ratio | 64.2294% | 4,855 |
| Assets per employee ($millions) | 3.7172% | 4,441 |
| Cash dividends to net income (ytd only)* | 30.0257% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 3,909 |
| Loan loss allowance to noncurrent loans | 61.1898% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.7272% | 2,139 |
| Noncurrent loans to loans | 2.1992% | 1,776 |
| Net loans and leases to total assets | 70.0280% | 2,004 |
| Net loans and leases to deposits | 78.8614% | 2,607 |
| Net loans and leases to core deposits | 90.0584% | 2,016 |
| Total domestic deposits to total assets | 88.7989% | 1,755 |
| Equity capital to assets | 9.2483% | 4,747 |
| Core capital (leverage) ratio | 9.6183% | 4,093 |
| Tier 1 risk-based capital ratio | 11.7101% | 5,802 |
| Total risk-based capital ratio | 12.8925% | 5,767 |
| Memoranda: | ||
| Average total assets | $259,937,600 | 2,437 |
| Average earning assets | $234,824,200 | 2,471 |
| Average equity | $24,657,200 | 2,661 |
| Average total loans | $180,621,000 | 2,190 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0834% | 3,833 |
| Cost of funding earning assets | 0.6364% | 2,494 |
| Net interest margin | 3.4470% | 4,094 |
| Noninterest income to average assets | 1.0492% | 1,325 |
| Noninterest expense to average assets | 2.6953% | 4,032 |
| Loan and lease loss provision to assets | 0.1400% | 2,543 |
| Net operating income to assets | 0.8369% | 3,156 |
| Return on assets (ROA) | 0.8531% | 3,197 |
| Pretax return on assets | 1.3572% | 2,085 |
| Return on Equity (ROE) | 8.9348% | 2,667 |
| Retained earnings to average equity (ytd only) | 5.9910% | 2,412 |
| Net charge-offs to loans | 0.0368% | 4,409 |
| Credit loss provision to net charge-offs | 551.0204% | 511 |
| Earnings coverage of net charge-offs (x) | 57.9199% | 775 |
| Efficiency ratio | 64.6795% | 4,699 |
| Assets per employee ($millions) | 3.5017% | 4,849 |
| Cash dividends to net income (ytd only)* | 32.9484% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 4,002 |
| Loan loss allowance to noncurrent loans | 49.0267% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 2.1187% | 1,883 |
| Noncurrent loans to loans | 2.8053% | 1,486 |
| Net loans and leases to total assets | 71.0929% | 1,768 |
| Net loans and leases to deposits | 80.2906% | 2,367 |
| Net loans and leases to core deposits | 89.5667% | 2,017 |
| Total domestic deposits to total assets | 88.5444% | 1,819 |
| Equity capital to assets | 9.5484% | 4,490 |
| Core capital (leverage) ratio | 9.7607% | 4,016 |
| Tier 1 risk-based capital ratio | 12.0136% | 5,772 |
| Total risk-based capital ratio | 13.2413% | 5,724 |
| Memoranda: | ||
| Average total assets | $257,082,750 | 2,480 |
| Average earning assets | $232,547,500 | 2,505 |
| Average equity | $24,547,500 | 2,707 |
| Average total loans | $177,621,750 | 2,227 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 3,217 |
| Cost of funding earning assets | 0.6480% | 2,514 |
| Net interest margin | 3.5866% | 3,425 |
| Noninterest income to average assets | 0.9056% | 1,798 |
| Noninterest expense to average assets | 2.6263% | 4,293 |
| Loan and lease loss provision to assets | 0.1388% | 2,593 |
| Net operating income to assets | 0.8660% | 2,965 |
| Return on assets (ROA) | 0.8900% | 2,994 |
| Pretax return on assets | 1.4243% | 1,855 |
| Return on Equity (ROE) | 9.3209% | 2,483 |
| Retained earnings to average equity (ytd only) | 7.1969% | 1,796 |
| Net charge-offs to loans | 0.0378% | 4,153 |
| Credit loss provision to net charge-offs | 539.3939% | 526 |
| Earnings coverage of net charge-offs (x) | 59.2727% | 710 |
| Efficiency ratio | 63.2538% | 4,972 |
| Assets per employee ($millions) | 3.6437% | 4,529 |
| Cash dividends to net income (ytd only)* | 22.7870% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 4,268 |
| Loan loss allowance to noncurrent loans | 53.6129% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 2.0648% | 2,097 |
| Noncurrent loans to loans | 2.5177% | 1,839 |
| Net loans and leases to total assets | 69.4509% | 1,987 |
| Net loans and leases to deposits | 78.0898% | 2,562 |
| Net loans and leases to core deposits | 86.0792% | 2,328 |
| Total domestic deposits to total assets | 88.9372% | 1,666 |
| Equity capital to assets | 9.2778% | 4,891 |
| Core capital (leverage) ratio | 9.6361% | 4,027 |
| Tier 1 risk-based capital ratio | 11.9280% | 5,836 |
| Total risk-based capital ratio | 13.1215% | 5,822 |
| Memoranda: | ||
| Average total assets | $256,402,670 | 2,494 |
| Average earning assets | $232,083,330 | 2,518 |
| Average equity | $24,482,670 | 2,718 |
| Average total loans | $174,566,670 | 2,259 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2324% | 3,176 |
| Cost of funding earning assets | 0.6763% | 2,425 |
| Net interest margin | 3.5561% | 3,453 |
| Noninterest income to average assets | 0.8334% | 1,991 |
| Noninterest expense to average assets | 2.6279% | 4,312 |
| Loan and lease loss provision to assets | 0.1389% | 2,508 |
| Net operating income to assets | 0.8018% | 3,158 |
| Return on assets (ROA) | 0.8018% | 3,288 |
| Pretax return on assets | 1.2785% | 2,303 |
| Return on Equity (ROE) | 8.2756% | 2,834 |
| Retained earnings to average equity (ytd only) | 4.0401% | 3,805 |
| Net charge-offs to loans | 0.0614% | 3,205 |
| Credit loss provision to net charge-offs | 338.4615% | 722 |
| Earnings coverage of net charge-offs (x) | 34.5385% | 887 |
| Efficiency ratio | 64.9629% | 4,828 |
| Assets per employee ($millions) | 3.6317% | 4,714 |
| Cash dividends to net income (ytd only)* | 51.1811% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 4,251 |
| Loan loss allowance to noncurrent loans | 59.0831% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 2.0207% | 2,314 |
| Noncurrent loans to loans | 2.3631% | 2,204 |
| Net loans and leases to total assets | 66.9524% | 2,208 |
| Net loans and leases to deposits | 75.4301% | 2,715 |
| Net loans and leases to core deposits | 83.7289% | 2,354 |
| Total domestic deposits to total assets | 88.7608% | 1,822 |
| Equity capital to assets | 9.6858% | 4,582 |
| Core capital (leverage) ratio | 9.5127% | 4,061 |
| Tier 1 risk-based capital ratio | 12.2913% | 5,724 |
| Total risk-based capital ratio | 13.5107% | 5,702 |
| Memoranda: | ||
| Average total assets | $253,430,000 | 2,549 |
| Average earning assets | $228,902,000 | 2,574 |
| Average equity | $24,554,000 | 2,750 |
| Average total loans | $169,502,000 | 2,330 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 3,929 |
| Cost of funding earning assets | 0.8654% | 2,182 |
| Net interest margin | 3.5089% | 4,465 |
| Noninterest income to average assets | 1.2045% | 1,086 |
| Noninterest expense to average assets | 2.6329% | 4,631 |
| Loan and lease loss provision to assets | 0.2322% | 2,810 |
| Net operating income to assets | 0.9995% | 2,336 |
| Return on assets (ROA) | 1.0241% | 2,446 |
| Pretax return on assets | 1.5351% | 1,573 |
| Return on Equity (ROE) | 10.9815% | 1,811 |
| Retained earnings to average equity (ytd only) | 7.8378% | 1,180 |
| Net charge-offs to loans | 0.3570% | 2,846 |
| Credit loss provision to net charge-offs | 99.8288% | 3,103 |
| Earnings coverage of net charge-offs (x) | 7.4401% | 2,601 |
| Efficiency ratio | 60.3377% | 5,496 |
| Assets per employee ($millions) | 3.7153% | 4,532 |
| Cash dividends to net income (ytd only)* | 28.6270% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 4,122 |
| Loan loss allowance to noncurrent loans | 61.7570% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 1.9205% | 2,546 |
| Noncurrent loans to loans | 2.2850% | 2,369 |
| Net loans and leases to total assets | 64.9302% | 2,736 |
| Net loans and leases to deposits | 72.7238% | 3,299 |
| Net loans and leases to core deposits | 80.1267% | 2,990 |
| Total domestic deposits to total assets | 89.2833% | 1,384 |
| Equity capital to assets | 9.6916% | 4,600 |
| Core capital (leverage) ratio | 9.4394% | 4,199 |
| Tier 1 risk-based capital ratio | 12.5415% | 5,439 |
| Total risk-based capital ratio | 13.7667% | 5,419 |
| Memoranda: | ||
| Average total assets | $251,054,800 | 2,521 |
| Average earning assets | $226,022,800 | 2,555 |
| Average equity | $23,412,200 | 2,808 |
| Average total loans | $163,566,800 | 2,377 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3812% | 4,130 |
| Cost of funding earning assets | 0.9041% | 2,146 |
| Net interest margin | 3.4771% | 4,725 |
| Noninterest income to average assets | 1.2612% | 936 |
| Noninterest expense to average assets | 2.7612% | 4,126 |
| Loan and lease loss provision to assets | 0.2468% | 2,591 |
| Net operating income to assets | 0.8809% | 3,075 |
| Return on assets (ROA) | 0.9122% | 3,147 |
| Pretax return on assets | 1.4383% | 2,122 |
| Return on Equity (ROE) | 9.8799% | 2,407 |
| Retained earnings to average equity (ytd only) | 6.8555% | 2,204 |
| Net charge-offs to loans | 0.4404% | 2,344 |
| Credit loss provision to net charge-offs | 86.2454% | 3,426 |
| Earnings coverage of net charge-offs (x) | 5.7174% | 2,948 |
| Efficiency ratio | 62.7918% | 5,014 |
| Assets per employee ($millions) | 3.7684% | 4,379 |
| Cash dividends to net income (ytd only)* | 30.6121% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 4,516 |
| Loan loss allowance to noncurrent loans | 61.5864% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 2.0586% | 2,576 |
| Noncurrent loans to loans | 2.2182% | 2,597 |
| Net loans and leases to total assets | 66.0405% | 2,642 |
| Net loans and leases to deposits | 74.6633% | 3,194 |
| Net loans and leases to core deposits | 82.2866% | 2,928 |
| Total domestic deposits to total assets | 88.4511% | 1,752 |
| Equity capital to assets | 9.6753% | 4,956 |
| Core capital (leverage) ratio | 9.2281% | 4,708 |
| Tier 1 risk-based capital ratio | 12.3838% | 5,714 |
| Total risk-based capital ratio | 13.5883% | 5,717 |
| Memoranda: | ||
| Average total assets | $250,658,000 | 2,547 |
| Average earning assets | $226,082,500 | 2,574 |
| Average equity | $23,144,000 | 2,861 |
| Average total loans | $162,861,250 | 2,416 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3727% | 4,295 |
| Cost of funding earning assets | 0.9398% | 2,120 |
| Net interest margin | 3.4329% | 4,957 |
| Noninterest income to average assets | 1.2654% | 893 |
| Noninterest expense to average assets | 2.7878% | 4,058 |
| Loan and lease loss provision to assets | 0.2610% | 2,486 |
| Net operating income to assets | 0.8315% | 3,235 |
| Return on assets (ROA) | 0.8778% | 3,259 |
| Pretax return on assets | 1.3792% | 2,294 |
| Return on Equity (ROE) | 9.6596% | 2,508 |
| Retained earnings to average equity (ytd only) | 6.4193% | 2,429 |
| Net charge-offs to loans | 0.6743% | 1,640 |
| Credit loss provision to net charge-offs | 60.1835% | 3,790 |
| Earnings coverage of net charge-offs (x) | 3.6147% | 3,327 |
| Efficiency ratio | 64.0051% | 4,902 |
| Assets per employee ($millions) | 3.7327% | 4,456 |
| Cash dividends to net income (ytd only)* | 33.5449% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 4,978 |
| Loan loss allowance to noncurrent loans | 49.0566% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 2.2076% | 2,534 |
| Noncurrent loans to loans | 2.6116% | 2,301 |
| Net loans and leases to total assets | 65.6872% | 2,732 |
| Net loans and leases to deposits | 73.9852% | 3,296 |
| Net loans and leases to core deposits | 81.5402% | 3,015 |
| Total domestic deposits to total assets | 88.7842% | 1,652 |
| Equity capital to assets | 9.3365% | 5,274 |
| Core capital (leverage) ratio | 8.9697% | 4,956 |
| Tier 1 risk-based capital ratio | 12.2245% | 5,773 |
| Total risk-based capital ratio | 13.3609% | 5,832 |
| Memoranda: | ||
| Average total assets | $251,305,000 | 2,534 |
| Average earning assets | $226,223,000 | 2,574 |
| Average equity | $22,837,330 | 2,873 |
| Average total loans | $161,638,670 | 2,441 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 4,662 |
| Cost of funding earning assets | 0.9642% | 2,206 |
| Net interest margin | 3.3552% | 5,287 |
| Noninterest income to average assets | 1.3433% | 791 |
| Noninterest expense to average assets | 2.7518% | 4,235 |
| Loan and lease loss provision to assets | 0.2080% | 2,870 |
| Net operating income to assets | 0.8924% | 2,955 |
| Return on assets (ROA) | 0.8924% | 3,178 |
| Pretax return on assets | 1.4005% | 2,186 |
| Return on Equity (ROE) | 9.9553% | 2,421 |
| Retained earnings to average equity (ytd only) | 3.4011% | 4,529 |
| Net charge-offs to loans | 0.5099% | 1,813 |
| Credit loss provision to net charge-offs | 64.5320% | 3,025 |
| Earnings coverage of net charge-offs (x) | 4.9901% | 2,464 |
| Efficiency ratio | 63.1100% | 5,084 |
| Assets per employee ($millions) | 3.7964% | 4,429 |
| Cash dividends to net income (ytd only)* | 65.8363% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 4,451 |
| Loan loss allowance to noncurrent loans | 71.0009% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.7294% | 3,269 |
| Noncurrent loans to loans | 2.0202% | 3,130 |
| Net loans and leases to total assets | 61.5162% | 3,350 |
| Net loans and leases to deposits | 69.2348% | 3,837 |
| Net loans and leases to core deposits | 77.1265% | 3,452 |
| Total domestic deposits to total assets | 88.8516% | 1,789 |
| Equity capital to assets | 8.9177% | 5,614 |
| Core capital (leverage) ratio | 8.9316% | 4,941 |
| Tier 1 risk-based capital ratio | 12.4593% | 5,639 |
| Total risk-based capital ratio | 13.7096% | 5,603 |
| Memoranda: | ||
| Average total assets | $251,911,000 | 2,547 |
| Average earning assets | $226,514,500 | 2,579 |
| Average equity | $22,581,000 | 2,899 |
| Average total loans | $159,252,500 | 2,494 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6643% | 4,399 |
| Cost of funding earning assets | 1.0651% | 2,916 |
| Net interest margin | 3.5993% | 4,733 |
| Noninterest income to average assets | 0.8069% | 2,024 |
| Noninterest expense to average assets | 2.5374% | 5,328 |
| Loan and lease loss provision to assets | 0.3187% | 3,136 |
| Net operating income to assets | 0.7719% | 3,167 |
| Return on assets (ROA) | 0.8423% | 3,020 |
| Pretax return on assets | 1.3297% | 2,018 |
| Return on Equity (ROE) | 9.2428% | 2,351 |
| Retained earnings to average equity (ytd only) | 5.8556% | 2,103 |
| Net charge-offs to loans | 0.4215% | 3,318 |
| Credit loss provision to net charge-offs | 112.9985% | 2,920 |
| Earnings coverage of net charge-offs (x) | 5.4549% | 2,789 |
| Efficiency ratio | 62.2547% | 5,417 |
| Assets per employee ($millions) | 3.8979% | 4,082 |
| Cash dividends to net income (ytd only)* | 36.6469% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 4,147 |
| Loan loss allowance to noncurrent loans | 72.2769% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.8175% | 3,236 |
| Noncurrent loans to loans | 2.0344% | 3,163 |
| Net loans and leases to total assets | 63.0983% | 3,381 |
| Net loans and leases to deposits | 70.5513% | 4,015 |
| Net loans and leases to core deposits | 78.8604% | 3,587 |
| Total domestic deposits to total assets | 89.4361% | 1,303 |
| Equity capital to assets | 9.0110% | 5,542 |
| Core capital (leverage) ratio | 9.1290% | 4,578 |
| Tier 1 risk-based capital ratio | 12.4581% | 5,487 |
| Total risk-based capital ratio | 13.7083% | 5,463 |
| Memoranda: | ||
| Average total assets | $240,048,200 | 2,636 |
| Average earning assets | $218,016,200 | 2,634 |
| Average equity | $21,876,400 | 2,906 |
| Average total loans | $160,609,800 | 2,486 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 4,340 |
| Cost of funding earning assets | 1.0927% | 3,030 |
| Net interest margin | 3.6313% | 4,650 |
| Noninterest income to average assets | 0.8167% | 1,974 |
| Noninterest expense to average assets | 2.5578% | 5,245 |
| Loan and lease loss provision to assets | 0.2681% | 3,360 |
| Net operating income to assets | 0.8106% | 3,108 |
| Return on assets (ROA) | 0.9053% | 2,855 |
| Pretax return on assets | 1.4478% | 1,792 |
| Return on Equity (ROE) | 9.9051% | 2,230 |
| Retained earnings to average equity (ytd only) | 7.7264% | 1,614 |
| Net charge-offs to loans | 0.5571% | 2,567 |
| Credit loss provision to net charge-offs | 71.1310% | 4,446 |
| Earnings coverage of net charge-offs (x) | 4.1592% | 3,161 |
| Efficiency ratio | 61.9986% | 5,408 |
| Assets per employee ($millions) | 3.8331% | 4,233 |
| Cash dividends to net income (ytd only)* | 21.9949% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 4,894 |
| Loan loss allowance to noncurrent loans | 44.2139% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 2.5424% | 2,528 |
| Noncurrent loans to loans | 2.9987% | 2,304 |
| Net loans and leases to total assets | 64.7315% | 3,163 |
| Net loans and leases to deposits | 72.6857% | 3,853 |
| Net loans and leases to core deposits | 82.3228% | 3,278 |
| Total domestic deposits to total assets | 89.0566% | 1,398 |
| Equity capital to assets | 9.5409% | 5,020 |
| Core capital (leverage) ratio | 9.3429% | 4,388 |
| Tier 1 risk-based capital ratio | 13.0009% | 5,098 |
| Total risk-based capital ratio | 14.2126% | 5,095 |
| Memoranda: | ||
| Average total assets | $237,694,500 | 2,670 |
| Average earning assets | $216,591,750 | 2,662 |
| Average equity | $21,725,750 | 2,911 |
| Average total loans | $160,823,250 | 2,497 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 4,249 |
| Cost of funding earning assets | 1.1204% | 3,097 |
| Net interest margin | 3.6392% | 4,568 |
| Noninterest income to average assets | 0.7160% | 2,455 |
| Noninterest expense to average assets | 2.5148% | 5,472 |
| Loan and lease loss provision to assets | 0.2389% | 3,528 |
| Net operating income to assets | 0.7999% | 3,078 |
| Return on assets (ROA) | 0.9415% | 2,568 |
| Pretax return on assets | 1.4985% | 1,538 |
| Return on Equity (ROE) | 10.4532% | 1,963 |
| Retained earnings to average equity (ytd only) | 8.2580% | 1,363 |
| Net charge-offs to loans | 0.6020% | 2,319 |
| Credit loss provision to net charge-offs | 58.0777% | 4,391 |
| Earnings coverage of net charge-offs (x) | 3.6851% | 3,078 |
| Efficiency ratio | 62.3878% | 5,526 |
| Assets per employee ($millions) | 3.8289% | 4,126 |
| Cash dividends to net income (ytd only)* | 21.0009% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 5,082 |
| Loan loss allowance to noncurrent loans | 41.4767% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 2.6210% | 2,542 |
| Noncurrent loans to loans | 3.1228% | 2,306 |
| Net loans and leases to total assets | 66.0000% | 3,030 |
| Net loans and leases to deposits | 73.8605% | 3,822 |
| Net loans and leases to core deposits | 84.2319% | 3,176 |
| Total domestic deposits to total assets | 89.3576% | 1,325 |
| Equity capital to assets | 9.2847% | 5,162 |
| Core capital (leverage) ratio | 9.1716% | 4,454 |
| Tier 1 risk-based capital ratio | 12.5489% | 5,297 |
| Total risk-based capital ratio | 13.7321% | 5,341 |
| Memoranda: | ||
| Average total assets | $237,709,000 | 2,680 |
| Average earning assets | $216,531,000 | 2,681 |
| Average equity | $21,409,670 | 2,944 |
| Average total loans | $162,463,670 | 2,504 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8037% | 4,043 |
| Cost of funding earning assets | 1.1822% | 2,928 |
| Net interest margin | 3.6215% | 4,479 |
| Noninterest income to average assets | 0.8391% | 1,888 |
| Noninterest expense to average assets | 2.4636% | 5,696 |
| Loan and lease loss provision to assets | 0.1766% | 3,857 |
| Net operating income to assets | 0.9053% | 2,538 |
| Return on assets (ROA) | 0.9064% | 2,594 |
| Pretax return on assets | 1.4512% | 1,596 |
| Return on Equity (ROE) | 10.2209% | 2,024 |
| Retained earnings to average equity (ytd only) | 5.7647% | 2,772 |
| Net charge-offs to loans | 0.0852% | 4,098 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 27.6286% | 888 |
| Efficiency ratio | 60.2385% | 5,953 |
| Assets per employee ($millions) | 3.7940% | 4,313 |
| Cash dividends to net income (ytd only)* | 43.5993% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 4,491 |
| Loan loss allowance to noncurrent loans | 62.4765% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 2.2459% | 3,009 |
| Noncurrent loans to loans | 2.3013% | 3,193 |
| Net loans and leases to total assets | 67.9320% | 2,559 |
| Net loans and leases to deposits | 75.7387% | 3,461 |
| Net loans and leases to core deposits | 86.3136% | 2,828 |
| Total domestic deposits to total assets | 89.6926% | 1,362 |
| Equity capital to assets | 9.0397% | 5,138 |
| Core capital (leverage) ratio | 8.8597% | 4,836 |
| Tier 1 risk-based capital ratio | 12.1292% | 5,569 |
| Total risk-based capital ratio | 13.3802% | 5,565 |
| Memoranda: | ||
| Average total assets | $237,868,000 | 2,697 |
| Average earning assets | $213,500,500 | 2,739 |
| Average equity | $21,094,000 | 2,974 |
| Average total loans | $164,328,500 | 2,502 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0147% | 4,486 |
| Cost of funding earning assets | 1.4275% | 3,084 |
| Net interest margin | 3.5871% | 4,877 |
| Noninterest income to average assets | 0.8568% | 2,023 |
| Noninterest expense to average assets | 2.4194% | 6,051 |
| Loan and lease loss provision to assets | 0.4166% | 3,607 |
| Net operating income to assets | 0.8169% | 2,723 |
| Return on assets (ROA) | 0.9058% | 2,497 |
| Pretax return on assets | 1.4233% | 1,584 |
| Return on Equity (ROE) | 10.3180% | 1,811 |
| Retained earnings to average equity (ytd only) | 4.7792% | 2,558 |
| Net charge-offs to loans | 0.4139% | 3,971 |
| Credit loss provision to net charge-offs | 141.4040% | 2,659 |
| Earnings coverage of net charge-offs (x) | 5.7736% | 2,538 |
| Efficiency ratio | 58.7175% | 6,246 |
| Assets per employee ($millions) | 3.9428% | 3,905 |
| Cash dividends to net income (ytd only)* | 53.6813% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 4,707 |
| Loan loss allowance to noncurrent loans | 62.6489% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 2.1480% | 3,156 |
| Noncurrent loans to loans | 2.1672% | 3,351 |
| Net loans and leases to total assets | 68.3013% | 2,912 |
| Net loans and leases to deposits | 75.4086% | 3,936 |
| Net loans and leases to core deposits | 85.6572% | 3,371 |
| Total domestic deposits to total assets | 90.5749% | 804 |
| Equity capital to assets | 8.6999% | 5,586 |
| Core capital (leverage) ratio | 8.5629% | 5,253 |
| Tier 1 risk-based capital ratio | 11.6212% | 5,799 |
| Total risk-based capital ratio | 12.8711% | 5,807 |
| Memoranda: | ||
| Average total assets | $236,919,000 | 2,672 |
| Average earning assets | $215,548,400 | 2,681 |
| Average equity | $20,798,600 | 3,040 |
| Average total loans | $168,637,200 | 2,487 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0779% | 4,436 |
| Cost of funding earning assets | 1.4645% | 3,186 |
| Net interest margin | 3.6134% | 4,812 |
| Noninterest income to average assets | 0.8287% | 2,089 |
| Noninterest expense to average assets | 2.4765% | 5,800 |
| Loan and lease loss provision to assets | 0.2022% | 5,027 |
| Net operating income to assets | 0.9223% | 2,529 |
| Return on assets (ROA) | 0.9231% | 2,661 |
| Pretax return on assets | 1.4473% | 1,754 |
| Return on Equity (ROE) | 10.4906% | 1,940 |
| Retained earnings to average equity (ytd only) | 5.0206% | 2,976 |
| Net charge-offs to loans | 0.1915% | 4,806 |
| Credit loss provision to net charge-offs | 147.3251% | 2,663 |
| Earnings coverage of net charge-offs (x) | 12.0083% | 1,731 |
| Efficiency ratio | 60.0383% | 5,949 |
| Assets per employee ($millions) | 3.6869% | 4,538 |
| Cash dividends to net income (ytd only)* | 52.1420% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 5,325 |
| Loan loss allowance to noncurrent loans | 96.8895% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.7011% | 3,895 |
| Noncurrent loans to loans | 1.2731% | 4,728 |
| Net loans and leases to total assets | 70.8208% | 2,527 |
| Net loans and leases to deposits | 79.4556% | 3,551 |
| Net loans and leases to core deposits | 92.0255% | 2,792 |
| Total domestic deposits to total assets | 89.1326% | 1,320 |
| Equity capital to assets | 9.0828% | 5,471 |
| Core capital (leverage) ratio | 8.7743% | 5,054 |
| Tier 1 risk-based capital ratio | 12.2181% | 5,251 |
| Total risk-based capital ratio | 13.4495% | 5,242 |
| Memoranda: | ||
| Average total assets | $236,021,750 | 2,716 |
| Average earning assets | $215,305,750 | 2,722 |
| Average equity | $20,767,250 | 3,077 |
| Average total loans | $169,163,750 | 2,526 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0656% | 4,635 |
| Cost of funding earning assets | 1.5090% | 3,208 |
| Net interest margin | 3.5566% | 5,020 |
| Noninterest income to average assets | 0.7694% | 2,286 |
| Noninterest expense to average assets | 2.4445% | 5,929 |
| Loan and lease loss provision to assets | 0.1720% | 5,145 |
| Net operating income to assets | 0.8852% | 2,602 |
| Return on assets (ROA) | 0.8863% | 2,724 |
| Pretax return on assets | 1.4057% | 1,826 |
| Return on Equity (ROE) | 10.1822% | 2,031 |
| Retained earnings to average equity (ytd only) | 3.7088% | 3,742 |
| Net charge-offs to loans | 0.1915% | 4,465 |
| Credit loss provision to net charge-offs | 125.3086% | 3,222 |
| Earnings coverage of net charge-offs (x) | 11.4815% | 1,764 |
| Efficiency ratio | 60.8008% | 5,895 |
| Assets per employee ($millions) | 3.7910% | 4,240 |
| Cash dividends to net income (ytd only)* | 63.5755% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 5,618 |
| Loan loss allowance to noncurrent loans | 36.3226% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 3.1645% | 2,238 |
| Noncurrent loans to loans | 3.2142% | 2,492 |
| Net loans and leases to total assets | 73.6902% | 1,982 |
| Net loans and leases to deposits | 82.8089% | 3,114 |
| Net loans and leases to core deposits | 96.8844% | 2,339 |
| Total domestic deposits to total assets | 88.9882% | 1,446 |
| Equity capital to assets | 9.0775% | 5,329 |
| Core capital (leverage) ratio | 8.6662% | 5,134 |
| Tier 1 risk-based capital ratio | 11.7934% | 5,499 |
| Total risk-based capital ratio | 12.9625% | 5,532 |
| Memoranda: | ||
| Average total assets | $236,041,330 | 2,738 |
| Average earning assets | $215,768,670 | 2,735 |
| Average equity | $20,545,670 | 3,101 |
| Average total loans | $169,152,330 | 2,561 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9779% | 5,125 |
| Cost of funding earning assets | 1.5800% | 3,078 |
| Net interest margin | 3.3979% | 5,591 |
| Noninterest income to average assets | 0.7079% | 2,544 |
| Noninterest expense to average assets | 2.3335% | 6,299 |
| Loan and lease loss provision to assets | 0.1661% | 4,867 |
| Net operating income to assets | 0.8299% | 2,834 |
| Return on assets (ROA) | 0.8321% | 2,924 |
| Pretax return on assets | 1.3035% | 2,038 |
| Return on Equity (ROE) | 9.7626% | 2,181 |
| Retained earnings to average equity (ytd only) | 1.5943% | 5,150 |
| Net charge-offs to loans | 0.3271% | 3,098 |
| Credit loss provision to net charge-offs | 72.2628% | 4,051 |
| Earnings coverage of net charge-offs (x) | 6.3796% | 2,232 |
| Efficiency ratio | 61.4128% | 5,924 |
| Assets per employee ($millions) | 3.9719% | 3,944 |
| Cash dividends to net income (ytd only)* | 83.6694% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 5,694 |
| Loan loss allowance to noncurrent loans | 129.3645% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 1.3784% | 4,442 |
| Noncurrent loans to loans | 0.8991% | 5,521 |
| Net loans and leases to total assets | 68.9607% | 3,165 |
| Net loans and leases to deposits | 76.7205% | 4,279 |
| Net loans and leases to core deposits | 90.7180% | 3,268 |
| Total domestic deposits to total assets | 89.8856% | 1,047 |
| Equity capital to assets | 8.5484% | 5,940 |
| Core capital (leverage) ratio | 8.4297% | 5,501 |
| Tier 1 risk-based capital ratio | 11.2943% | 5,861 |
| Total risk-based capital ratio | 12.3861% | 5,990 |
| Memoranda: | ||
| Average total assets | $238,436,000 | 2,784 |
| Average earning assets | $216,958,500 | 2,782 |
| Average equity | $20,322,500 | 3,167 |
| Average total loans | $167,517,000 | 2,651 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4655% | 4,355 |
| Cost of funding earning assets | 1.9640% | 3,131 |
| Net interest margin | 3.5014% | 4,950 |
| Noninterest income to average assets | 0.7937% | 2,433 |
| Noninterest expense to average assets | 2.4104% | 6,435 |
| Loan and lease loss provision to assets | 0.2762% | 5,203 |
| Net operating income to assets | 0.8536% | 2,337 |
| Return on assets (ROA) | 0.9213% | 2,168 |
| Pretax return on assets | 1.4198% | 1,384 |
| Return on Equity (ROE) | 10.4430% | 1,568 |
| Retained earnings to average equity (ytd only) | 4.8014% | 1,923 |
| Net charge-offs to loans | 0.2304% | 5,169 |
| Credit loss provision to net charge-offs | 158.4810% | 2,829 |
| Earnings coverage of net charge-offs (x) | 9.1342% | 1,841 |
| Efficiency ratio | 60.2249% | 6,454 |
| Assets per employee ($millions) | 3.8477% | 4,149 |
| Cash dividends to net income (ytd only)* | 54.0230% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 5,539 |
| Loan loss allowance to noncurrent loans | 77.4244% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.9559% | 3,450 |
| Noncurrent loans to loans | 1.5093% | 4,398 |
| Net loans and leases to total assets | 69.9138% | 3,276 |
| Net loans and leases to deposits | 78.1780% | 4,332 |
| Net loans and leases to core deposits | 114.7574% | 2,438 |
| Total domestic deposits to total assets | 89.4290% | 1,252 |
| Equity capital to assets | 8.4981% | 5,882 |
| Core capital (leverage) ratio | 8.2785% | 5,655 |
| Tier 1 risk-based capital ratio | 10.7704% | 6,136 |
| Total risk-based capital ratio | 11.8364% | 6,293 |
| Memoranda: | ||
| Average total assets | $226,647,200 | 2,860 |
| Average earning assets | $207,686,200 | 2,862 |
| Average equity | $19,994,200 | 3,200 |
| Average total loans | $171,445,800 | 2,606 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5116% | 4,358 |
| Cost of funding earning assets | 2.0370% | 3,178 |
| Net interest margin | 3.4746% | 4,974 |
| Noninterest income to average assets | 0.8500% | 2,200 |
| Noninterest expense to average assets | 2.5150% | 6,023 |
| Loan and lease loss provision to assets | 0.1609% | 5,739 |
| Net operating income to assets | 0.8751% | 2,520 |
| Return on assets (ROA) | 0.8751% | 2,594 |
| Pretax return on assets | 1.3710% | 1,767 |
| Return on Equity (ROE) | 9.8235% | 1,987 |
| Retained earnings to average equity (ytd only) | 4.8716% | 2,570 |
| Net charge-offs to loans | 0.1774% | 4,980 |
| Credit loss provision to net charge-offs | 117.9039% | 4,310 |
| Earnings coverage of net charge-offs (x) | 11.2225% | 1,874 |
| Efficiency ratio | 62.1446% | 6,077 |
| Assets per employee ($millions) | 3.6643% | 4,505 |
| Cash dividends to net income (ytd only)* | 50.4087% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 6,117 |
| Loan loss allowance to noncurrent loans | 93.0063% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 1.6691% | 3,867 |
| Noncurrent loans to loans | 1.1060% | 5,101 |
| Net loans and leases to total assets | 75.4662% | 2,106 |
| Net loans and leases to deposits | 86.3824% | 3,244 |
| Net loans and leases to core deposits | 130.6194% | 1,397 |
| Total domestic deposits to total assets | 87.3629% | 1,973 |
| Equity capital to assets | 8.9736% | 5,521 |
| Core capital (leverage) ratio | 8.5800% | 5,327 |
| Tier 1 risk-based capital ratio | 10.4595% | 6,517 |
| Total risk-based capital ratio | 11.4060% | 6,765 |
| Memoranda: | ||
| Average total assets | $223,669,500 | 2,907 |
| Average earning assets | $205,791,250 | 2,911 |
| Average equity | $19,924,500 | 3,247 |
| Average total loans | $172,118,000 | 2,635 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4959% | 4,657 |
| Cost of funding earning assets | 2.1049% | 3,240 |
| Net interest margin | 3.3910% | 5,206 |
| Noninterest income to average assets | 0.8378% | 2,231 |
| Noninterest expense to average assets | 2.4126% | 6,419 |
| Loan and lease loss provision to assets | 0.1618% | 5,446 |
| Net operating income to assets | 0.8926% | 2,481 |
| Return on assets (ROA) | 0.8926% | 2,594 |
| Pretax return on assets | 1.3825% | 1,780 |
| Return on Equity (ROE) | 10.0454% | 2,007 |
| Retained earnings to average equity (ytd only) | 4.9873% | 2,512 |
| Net charge-offs to loans | 0.1304% | 4,866 |
| Credit loss provision to net charge-offs | 160.7143% | 2,855 |
| Earnings coverage of net charge-offs (x) | 15.3393% | 1,603 |
| Efficiency ratio | 60.9723% | 6,404 |
| Assets per employee ($millions) | 3.7769% | 4,156 |
| Cash dividends to net income (ytd only)* | 50.3525% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 6,044 |
| Loan loss allowance to noncurrent loans | 108.9103% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.6217% | 3,779 |
| Noncurrent loans to loans | 0.9418% | 5,338 |
| Net loans and leases to total assets | 77.0270% | 1,943 |
| Net loans and leases to deposits | 87.7359% | 3,209 |
| Net loans and leases to core deposits | 130.2467% | 1,537 |
| Total domestic deposits to total assets | 87.7942% | 1,873 |
| Equity capital to assets | 8.8163% | 5,574 |
| Core capital (leverage) ratio | 8.5239% | 5,401 |
| Tier 1 risk-based capital ratio | 10.6878% | 6,196 |
| Total risk-based capital ratio | 11.6814% | 6,391 |
| Memoranda: | ||
| Average total assets | $222,496,330 | 2,945 |
| Average earning assets | $204,662,330 | 2,943 |
| Average equity | $19,770,330 | 3,282 |
| Average total loans | $171,746,330 | 2,669 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4674% | 5,078 |
| Cost of funding earning assets | 2.1647% | 3,346 |
| Net interest margin | 3.3026% | 5,487 |
| Noninterest income to average assets | 0.7440% | 2,635 |
| Noninterest expense to average assets | 2.2229% | 6,792 |
| Loan and lease loss provision to assets | 0.1633% | 4,843 |
| Net operating income to assets | 0.8855% | 2,756 |
| Return on assets (ROA) | 0.8855% | 2,906 |
| Pretax return on assets | 1.3809% | 2,023 |
| Return on Equity (ROE) | 9.9258% | 2,349 |
| Retained earnings to average equity (ytd only) | 4.8408% | 3,213 |
| Net charge-offs to loans | 0.0118% | 5,447 |
| Credit loss provision to net charge-offs | 1,800.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 170.2000% | 251 |
| Efficiency ratio | 59.0077% | 6,551 |
| Assets per employee ($millions) | 3.7612% | 4,201 |
| Cash dividends to net income (ytd only)* | 51.2295% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 5,640 |
| Loan loss allowance to noncurrent loans | 189.8129% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 1.2425% | 4,198 |
| Noncurrent loans to loans | 0.5671% | 5,998 |
| Net loans and leases to total assets | 74.3623% | 2,660 |
| Net loans and leases to deposits | 87.7505% | 3,329 |
| Net loans and leases to core deposits | 128.3519% | 1,757 |
| Total domestic deposits to total assets | 84.7429% | 3,331 |
| Equity capital to assets | 8.7680% | 5,668 |
| Core capital (leverage) ratio | 8.7268% | 5,106 |
| Tier 1 risk-based capital ratio | 10.8901% | 6,001 |
| Total risk-based capital ratio | 11.9256% | 6,123 |
| Memoranda: | ||
| Average total assets | $220,437,500 | 2,982 |
| Average earning assets | $201,779,500 | 2,995 |
| Average equity | $19,666,000 | 3,310 |
| Average total loans | $169,438,000 | 2,707 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1766% | 4,635 |
| Cost of funding earning assets | 2.9065% | 2,241 |
| Net interest margin | 3.2701% | 6,141 |
| Noninterest income to average assets | 0.6338% | 3,605 |
| Noninterest expense to average assets | 2.4753% | 6,105 |
| Loan and lease loss provision to assets | 0.2285% | 4,607 |
| Net operating income to assets | 0.5670% | 4,453 |
| Return on assets (ROA) | 0.6126% | 4,114 |
| Pretax return on assets | 0.9976% | 3,392 |
| Return on Equity (ROE) | 6.7483% | 3,650 |
| Retained earnings to average equity (ytd only) | 3.1094% | 3,220 |
| Net charge-offs to loans | 0.1983% | 4,209 |
| Credit loss provision to net charge-offs | 149.6914% | 3,522 |
| Earnings coverage of net charge-offs (x) | 7.5648% | 3,076 |
| Efficiency ratio | 68.1854% | 4,694 |
| Assets per employee ($millions) | 3.3625% | 5,057 |
| Cash dividends to net income (ytd only)* | 53.9231% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 5,787 |
| Loan loss allowance to noncurrent loans | 165.6518% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 1.3067% | 3,607 |
| Noncurrent loans to loans | 0.6210% | 5,507 |
| Net loans and leases to total assets | 77.8307% | 2,185 |
| Net loans and leases to deposits | 91.9589% | 3,142 |
| Net loans and leases to core deposits | 132.4859% | 1,691 |
| Total domestic deposits to total assets | 84.6364% | 3,010 |
| Equity capital to assets | 9.0821% | 5,254 |
| Core capital (leverage) ratio | 8.8183% | 5,011 |
| Tier 1 risk-based capital ratio | 10.4493% | 6,264 |
| Total risk-based capital ratio | 11.4086% | 6,426 |
| Memoranda: | ||
| Average total assets | $212,218,000 | 2,977 |
| Average earning assets | $194,458,600 | 2,969 |
| Average equity | $19,264,000 | 3,350 |
| Average total loans | $163,360,800 | 2,724 |