Home > Great Midwest Bank, S.S.B. > Performance and Condition Ratios
Great Midwest Bank, S.S.B., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 2,806 |
| Cost of funding earning assets | 2.4512% | 410 |
| Net interest margin | 2.1873% | 4,327 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.8966% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3361% | 3,977 |
| Return on assets (ROA) | 0.3342% | 3,978 |
| Pretax return on assets | 0.4467% | 3,901 |
| Return on Equity (ROE) | 2.0800% | 4,145 |
| Retained earnings to average equity (ytd only) | 2.0763% | 3,564 |
| Net charge-offs to loans | -0.0011% | 3,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.8551% | 861 |
| Assets per employee ($millions) | 11.1491% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4643% | 4,360 |
| Loan loss allowance to noncurrent loans | 29.0829% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.4512% | 270 |
| Noncurrent loans to loans | 1.5966% | 410 |
| Net loans and leases to total assets | 88.5100% | 66 |
| Net loans and leases to deposits | 149.4074% | 15 |
| Net loans and leases to core deposits | 261.7302% | 58 |
| Total domestic deposits to total assets | 59.2400% | 4,444 |
| Equity capital to assets | 15.7928% | 484 |
| Core capital (leverage) ratio | 16.3633% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $941,262,200 | 1,039 |
| Average earning assets | $892,012,800 | 1,010 |
| Average equity | $151,521,200 | 667 |
| Average total loans | $828,871,800 | 842 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5833% | 2,721 |
| Cost of funding earning assets | 2.3343% | 376 |
| Net interest margin | 2.2490% | 4,327 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.9550% | 3,700 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3509% | 4,045 |
| Return on assets (ROA) | 0.3491% | 4,056 |
| Pretax return on assets | 0.4682% | 3,959 |
| Return on Equity (ROE) | 2.1600% | 4,181 |
| Retained earnings to average equity (ytd only) | 2.1583% | 3,703 |
| Net charge-offs to loans | -0.0013% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.6026% | 829 |
| Assets per employee ($millions) | 11.0434% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4723% | 4,370 |
| Loan loss allowance to noncurrent loans | 28.7860% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.4798% | 254 |
| Noncurrent loans to loans | 1.6408% | 416 |
| Net loans and leases to total assets | 87.8400% | 83 |
| Net loans and leases to deposits | 146.4603% | 19 |
| Net loans and leases to core deposits | 249.2481% | 22 |
| Total domestic deposits to total assets | 59.9800% | 4,460 |
| Equity capital to assets | 15.7284% | 467 |
| Core capital (leverage) ratio | 16.6191% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $934,084,000 | 1,051 |
| Average earning assets | $885,364,500 | 1,019 |
| Average equity | $151,105,000 | 667 |
| Average total loans | $820,462,500 | 847 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6525% | 2,300 |
| Cost of funding earning assets | 2.2091% | 331 |
| Net interest margin | 2.4434% | 4,267 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.9479% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3821% | 4,033 |
| Return on assets (ROA) | 0.3824% | 4,047 |
| Pretax return on assets | 0.5175% | 3,935 |
| Return on Equity (ROE) | 2.3400% | 4,230 |
| Retained earnings to average equity (ytd only) | 2.3415% | 3,636 |
| Net charge-offs to loans | -0.0020% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.0231% | 911 |
| Assets per employee ($millions) | 10.6819% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4815% | 4,391 |
| Loan loss allowance to noncurrent loans | 28.3710% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.6933% | 189 |
| Noncurrent loans to loans | 1.6973% | 364 |
| Net loans and leases to total assets | 88.0300% | 79 |
| Net loans and leases to deposits | 144.1420% | 21 |
| Net loans and leases to core deposits | 226.3214% | 28 |
| Total domestic deposits to total assets | 61.0700% | 4,478 |
| Equity capital to assets | 16.0970% | 436 |
| Core capital (leverage) ratio | 16.6815% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $925,186,667 | 1,048 |
| Average earning assets | $877,542,333 | 1,021 |
| Average equity | $151,101,667 | 665 |
| Average total loans | $811,297,000 | 837 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9806% | 1,263 |
| Cost of funding earning assets | 2.0524% | 264 |
| Net interest margin | 2.9282% | 3,742 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.0606% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6280% | 3,639 |
| Return on assets (ROA) | 0.6263% | 3,601 |
| Pretax return on assets | 0.8590% | 3,330 |
| Return on Equity (ROE) | 3.8100% | 4,068 |
| Retained earnings to average equity (ytd only) | 3.8067% | 3,323 |
| Net charge-offs to loans | -0.0020% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.5251% | 1,702 |
| Assets per employee ($millions) | 10.5321% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4883% | 4,442 |
| Loan loss allowance to noncurrent loans | 49.4805% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.0669% | 371 |
| Noncurrent loans to loans | 0.9869% | 742 |
| Net loans and leases to total assets | 87.9500% | 76 |
| Net loans and leases to deposits | 143.5701% | 19 |
| Net loans and leases to core deposits | 211.5576% | 29 |
| Total domestic deposits to total assets | 61.2600% | 4,537 |
| Equity capital to assets | 16.3659% | 375 |
| Core capital (leverage) ratio | 17.1788% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $917,778,500 | 1,074 |
| Average earning assets | $871,938,500 | 1,040 |
| Average equity | $150,996,500 | 679 |
| Average total loans | $801,202,000 | 859 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 2,457 |
| Cost of funding earning assets | 0.8440% | 336 |
| Net interest margin | 2.8851% | 3,714 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.1880% | 3,062 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6116% | 3,857 |
| Return on assets (ROA) | 0.5990% | 3,840 |
| Pretax return on assets | 0.8128% | 3,595 |
| Return on Equity (ROE) | 3.2900% | 4,265 |
| Retained earnings to average equity (ytd only) | 3.2886% | 3,632 |
| Net charge-offs to loans | -0.0030% | 3,527 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.5286% | 1,384 |
| Assets per employee ($millions) | 10.3265% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4062% | 4,494 |
| Loan loss allowance to noncurrent loans | 35.4580% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.1860% | 323 |
| Noncurrent loans to loans | 1.1457% | 619 |
| Net loans and leases to total assets | 85.8500% | 165 |
| Net loans and leases to deposits | 139.0876% | 25 |
| Net loans and leases to core deposits | 185.9244% | 32 |
| Total domestic deposits to total assets | 61.7200% | 4,569 |
| Equity capital to assets | 16.5406% | 358 |
| Core capital (leverage) ratio | 17.9504% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $820,519,400 | 1,162 |
| Average earning assets | $770,521,600 | 1,147 |
| Average equity | $149,457,800 | 681 |
| Average total loans | $698,724,000 | 909 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6764% | 2,109 |
| Cost of funding earning assets | 0.6556% | 324 |
| Net interest margin | 3.0207% | 3,166 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.1896% | 2,961 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7473% | 3,423 |
| Return on assets (ROA) | 0.7337% | 3,415 |
| Pretax return on assets | 0.9939% | 3,031 |
| Return on Equity (ROE) | 3.9300% | 4,160 |
| Retained earnings to average equity (ytd only) | 3.9254% | 3,467 |
| Net charge-offs to loans | -0.0033% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.4109% | 1,964 |
| Assets per employee ($millions) | 9.4978% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4301% | 4,527 |
| Loan loss allowance to noncurrent loans | 74.8528% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 722 |
| Noncurrent loans to loans | 0.5746% | 1,394 |
| Net loans and leases to total assets | 87.0600% | 90 |
| Net loans and leases to deposits | 132.9278% | 28 |
| Net loans and leases to core deposits | 153.1979% | 59 |
| Total domestic deposits to total assets | 65.5000% | 4,587 |
| Equity capital to assets | 17.6659% | 291 |
| Core capital (leverage) ratio | 18.8635% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $798,466,000 | 1,191 |
| Average earning assets | $747,350,500 | 1,177 |
| Average equity | $149,244,750 | 685 |
| Average total loans | $677,579,500 | 930 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 1,932 |
| Cost of funding earning assets | 0.5464% | 399 |
| Net interest margin | 3.0236% | 2,816 |
| Noninterest income to average assets | 0.4478% | 2,468 |
| Noninterest expense to average assets | 2.2737% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7350% | 3,196 |
| Return on assets (ROA) | 0.7187% | 3,199 |
| Pretax return on assets | 0.9792% | 2,804 |
| Return on Equity (ROE) | 3.7704% | 4,077 |
| Retained earnings to average equity (ytd only) | 3.7704% | 3,172 |
| Net charge-offs to loans | -0.0033% | 3,228 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4553% | 2,036 |
| Assets per employee ($millions) | 8.9037% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4696% | 4,576 |
| Loan loss allowance to noncurrent loans | 59.4230% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9013% | 556 |
| Noncurrent loans to loans | 0.7903% | 1,087 |
| Net loans and leases to total assets | 84.8368% | 143 |
| Net loans and leases to deposits | 121.5243% | 40 |
| Net loans and leases to core deposits | 135.1824% | 95 |
| Total domestic deposits to total assets | 69.8106% | 4,619 |
| Equity capital to assets | 18.8097% | 198 |
| Core capital (leverage) ratio | 19.9180% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $782,854,333 | 1,206 |
| Average earning assets | $731,648,000 | 1,209 |
| Average equity | $149,216,333 | 695 |
| Average total loans | $657,069,000 | 944 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5282% | 1,709 |
| Cost of funding earning assets | 0.5367% | 402 |
| Net interest margin | 2.9914% | 2,529 |
| Noninterest income to average assets | 0.5912% | 1,731 |
| Noninterest expense to average assets | 2.2589% | 2,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8180% | 2,602 |
| Return on assets (ROA) | 0.8066% | 2,631 |
| Pretax return on assets | 1.1115% | 2,104 |
| Return on Equity (ROE) | 4.2037% | 3,826 |
| Retained earnings to average equity (ytd only) | 4.2037% | 2,865 |
| Net charge-offs to loans | -0.0031% | 3,196 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7375% | 2,670 |
| Assets per employee ($millions) | 8.6624% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4963% | 4,590 |
| Loan loss allowance to noncurrent loans | 33.9226% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.4446% | 257 |
| Noncurrent loans to loans | 1.4629% | 570 |
| Net loans and leases to total assets | 82.3420% | 146 |
| Net loans and leases to deposits | 114.5530% | 47 |
| Net loans and leases to core deposits | 126.6837% | 110 |
| Total domestic deposits to total assets | 71.8812% | 4,628 |
| Equity capital to assets | 19.3345% | 178 |
| Core capital (leverage) ratio | 19.5519% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $778,068,500 | 1,220 |
| Average earning assets | $726,608,500 | 1,217 |
| Average equity | $149,298,000 | 711 |
| Average total loans | $647,883,000 | 950 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4884% | 2,690 |
| Cost of funding earning assets | 0.8356% | 164 |
| Net interest margin | 2.6528% | 3,958 |
| Noninterest income to average assets | 1.1989% | 736 |
| Noninterest expense to average assets | 2.3419% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9775% | 2,762 |
| Return on assets (ROA) | 0.9747% | 2,839 |
| Pretax return on assets | 1.3152% | 2,314 |
| Return on Equity (ROE) | 5.5469% | 3,872 |
| Retained earnings to average equity (ytd only) | 5.5469% | 2,542 |
| Net charge-offs to loans | -0.0039% | 3,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9766% | 2,567 |
| Assets per employee ($millions) | 8.9226% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4806% | 4,645 |
| Loan loss allowance to noncurrent loans | 28.7285% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.6311% | 244 |
| Noncurrent loans to loans | 1.6727% | 511 |
| Net loans and leases to total assets | 83.3716% | 131 |
| Net loans and leases to deposits | 115.0688% | 56 |
| Net loans and leases to core deposits | 130.4544% | 102 |
| Total domestic deposits to total assets | 72.4537% | 4,632 |
| Equity capital to assets | 19.0448% | 211 |
| Core capital (leverage) ratio | 18.2493% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $835,106,800 | 1,111 |
| Average earning assets | $774,916,800 | 1,121 |
| Average equity | $146,748,800 | 732 |
| Average total loans | $667,643,800 | 915 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4932% | 2,853 |
| Cost of funding earning assets | 0.8843% | 165 |
| Net interest margin | 2.6089% | 4,116 |
| Noninterest income to average assets | 1.3544% | 647 |
| Noninterest expense to average assets | 2.2402% | 2,928 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1353% | 2,421 |
| Return on assets (ROA) | 1.1335% | 2,489 |
| Pretax return on assets | 1.5312% | 1,900 |
| Return on Equity (ROE) | 6.5783% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.5783% | 2,585 |
| Net charge-offs to loans | -0.0040% | 3,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3647% | 3,083 |
| Assets per employee ($millions) | 9.2148% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4914% | 4,713 |
| Loan loss allowance to noncurrent loans | 45.4349% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.0548% | 611 |
| Noncurrent loans to loans | 1.0816% | 1,045 |
| Net loans and leases to total assets | 77.0327% | 472 |
| Net loans and leases to deposits | 107.4812% | 118 |
| Net loans and leases to core deposits | 121.9513% | 169 |
| Total domestic deposits to total assets | 71.6709% | 4,693 |
| Equity capital to assets | 17.9572% | 276 |
| Core capital (leverage) ratio | 17.5998% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $847,586,750 | 1,103 |
| Average earning assets | $785,966,250 | 1,117 |
| Average equity | $146,051,750 | 742 |
| Average total loans | $670,108,750 | 936 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5353% | 2,809 |
| Cost of funding earning assets | 0.9231% | 168 |
| Net interest margin | 2.6122% | 4,142 |
| Noninterest income to average assets | 1.4643% | 564 |
| Noninterest expense to average assets | 2.0629% | 3,513 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3562% | 1,686 |
| Return on assets (ROA) | 1.3534% | 1,778 |
| Pretax return on assets | 1.8229% | 1,182 |
| Return on Equity (ROE) | 7.9631% | 3,417 |
| Retained earnings to average equity (ytd only) | 7.9631% | 2,085 |
| Net charge-offs to loans | -0.0032% | 3,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0390% | 3,928 |
| Assets per employee ($millions) | 9.3984% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4858% | 4,746 |
| Loan loss allowance to noncurrent loans | 41.1996% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 643 |
| Noncurrent loans to loans | 1.1791% | 1,022 |
| Net loans and leases to total assets | 76.1887% | 577 |
| Net loans and leases to deposits | 111.2914% | 97 |
| Net loans and leases to core deposits | 127.2217% | 151 |
| Total domestic deposits to total assets | 68.4588% | 4,781 |
| Equity capital to assets | 17.4437% | 302 |
| Core capital (leverage) ratio | 17.4675% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $853,673,000 | 1,092 |
| Average earning assets | $792,526,000 | 1,099 |
| Average equity | $145,094,333 | 742 |
| Average total loans | $679,475,333 | 925 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6664% | 2,451 |
| Cost of funding earning assets | 0.9828% | 148 |
| Net interest margin | 2.6835% | 3,996 |
| Noninterest income to average assets | 1.8825% | 412 |
| Noninterest expense to average assets | 1.8942% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8384% | 734 |
| Return on assets (ROA) | 1.8340% | 795 |
| Pretax return on assets | 2.4725% | 457 |
| Return on Equity (ROE) | 10.9323% | 2,385 |
| Retained earnings to average equity (ytd only) | 10.9323% | 1,418 |
| Net charge-offs to loans | -0.0046% | 3,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3220% | 4,611 |
| Assets per employee ($millions) | 9.5743% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4710% | 4,791 |
| Loan loss allowance to noncurrent loans | 42.8552% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.0571% | 770 |
| Noncurrent loans to loans | 1.0990% | 1,214 |
| Net loans and leases to total assets | 77.0803% | 534 |
| Net loans and leases to deposits | 116.6303% | 86 |
| Net loans and leases to core deposits | 135.6190% | 109 |
| Total domestic deposits to total assets | 66.0894% | 4,836 |
| Equity capital to assets | 16.9137% | 316 |
| Core capital (leverage) ratio | 17.0545% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $857,583,500 | 1,086 |
| Average earning assets | $795,666,000 | 1,083 |
| Average equity | $143,867,500 | 737 |
| Average total loans | $695,418,000 | 906 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 2,655 |
| Cost of funding earning assets | 1.3413% | 156 |
| Net interest margin | 2.6843% | 4,400 |
| Noninterest income to average assets | 1.5373% | 517 |
| Noninterest expense to average assets | 2.3240% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2935% | 1,266 |
| Return on assets (ROA) | 1.2957% | 1,360 |
| Pretax return on assets | 1.7508% | 763 |
| Return on Equity (ROE) | 8.3017% | 2,690 |
| Retained earnings to average equity (ytd only) | 8.3017% | 970 |
| Net charge-offs to loans | 0.0004% | 3,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 5,084.0000% | 17 |
| Efficiency ratio | 57.0717% | 3,847 |
| Assets per employee ($millions) | 9.3789% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4332% | 4,835 |
| Loan loss allowance to noncurrent loans | 41.8592% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.0793% | 852 |
| Noncurrent loans to loans | 1.0348% | 1,376 |
| Net loans and leases to total assets | 84.4036% | 155 |
| Net loans and leases to deposits | 127.2157% | 49 |
| Net loans and leases to core deposits | 150.7739% | 86 |
| Total domestic deposits to total assets | 66.3469% | 4,841 |
| Equity capital to assets | 16.6368% | 369 |
| Core capital (leverage) ratio | 15.8343% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $872,490,800 | 989 |
| Average earning assets | $823,900,800 | 981 |
| Average equity | $136,177,600 | 739 |
| Average total loans | $743,848,800 | 833 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0465% | 2,838 |
| Cost of funding earning assets | 1.3888% | 171 |
| Net interest margin | 2.6577% | 4,519 |
| Noninterest income to average assets | 1.5035% | 516 |
| Noninterest expense to average assets | 2.1616% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3757% | 1,164 |
| Return on assets (ROA) | 1.3793% | 1,246 |
| Pretax return on assets | 1.8618% | 694 |
| Return on Equity (ROE) | 8.9811% | 2,403 |
| Retained earnings to average equity (ytd only) | 8.9811% | 986 |
| Net charge-offs to loans | -0.0021% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7856% | 4,171 |
| Assets per employee ($millions) | 10.2375% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4255% | 4,868 |
| Loan loss allowance to noncurrent loans | 37.6164% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.1642% | 879 |
| Noncurrent loans to loans | 1.1313% | 1,340 |
| Net loans and leases to total assets | 80.8978% | 535 |
| Net loans and leases to deposits | 124.0520% | 83 |
| Net loans and leases to core deposits | 149.6265% | 118 |
| Total domestic deposits to total assets | 65.2128% | 4,866 |
| Equity capital to assets | 15.3434% | 563 |
| Core capital (leverage) ratio | 15.3896% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $877,243,250 | 975 |
| Average earning assets | $830,264,250 | 956 |
| Average equity | $134,724,000 | 738 |
| Average total loans | $748,935,250 | 821 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1428% | 2,926 |
| Cost of funding earning assets | 1.4450% | 194 |
| Net interest margin | 2.6978% | 4,554 |
| Noninterest income to average assets | 1.0797% | 856 |
| Noninterest expense to average assets | 2.0853% | 4,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1567% | 1,772 |
| Return on assets (ROA) | 1.1620% | 1,885 |
| Pretax return on assets | 1.5659% | 1,305 |
| Return on Equity (ROE) | 7.5636% | 2,914 |
| Retained earnings to average equity (ytd only) | 7.5636% | 1,439 |
| Net charge-offs to loans | -0.0011% | 3,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2180% | 3,784 |
| Assets per employee ($millions) | 10.1237% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4135% | 4,901 |
| Loan loss allowance to noncurrent loans | 75.5048% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.6684% | 1,838 |
| Noncurrent loans to loans | 0.5476% | 2,528 |
| Net loans and leases to total assets | 83.9603% | 257 |
| Net loans and leases to deposits | 131.0116% | 50 |
| Net loans and leases to core deposits | 163.7833% | 71 |
| Total domestic deposits to total assets | 64.0861% | 4,915 |
| Equity capital to assets | 15.0715% | 606 |
| Core capital (leverage) ratio | 15.5093% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $865,946,333 | 967 |
| Average earning assets | $823,263,000 | 946 |
| Average equity | $133,032,333 | 738 |
| Average total loans | $751,834,667 | 807 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 2,778 |
| Cost of funding earning assets | 1.5290% | 233 |
| Net interest margin | 2.8208% | 4,550 |
| Noninterest income to average assets | 0.9038% | 1,056 |
| Noninterest expense to average assets | 2.1291% | 4,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0886% | 1,883 |
| Return on assets (ROA) | 1.0886% | 1,979 |
| Pretax return on assets | 1.4719% | 1,379 |
| Return on Equity (ROE) | 7.0155% | 2,944 |
| Retained earnings to average equity (ytd only) | 7.0155% | 1,529 |
| Net charge-offs to loans | -0.0021% | 3,663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1254% | 3,851 |
| Assets per employee ($millions) | 9.5398% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4262% | 4,929 |
| Loan loss allowance to noncurrent loans | 80.3530% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 2,026 |
| Noncurrent loans to loans | 0.5304% | 2,673 |
| Net loans and leases to total assets | 86.4303% | 121 |
| Net loans and leases to deposits | 139.9680% | 20 |
| Net loans and leases to core deposits | 181.0944% | 49 |
| Total domestic deposits to total assets | 61.7500% | 5,012 |
| Equity capital to assets | 15.6761% | 637 |
| Core capital (leverage) ratio | 15.5991% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $848,416,500 | 961 |
| Average earning assets | $811,264,000 | 933 |
| Average equity | $131,651,000 | 741 |
| Average total loans | $747,938,000 | 793 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1297% | 3,980 |
| Cost of funding earning assets | 1.5100% | 385 |
| Net interest margin | 2.6197% | 4,893 |
| Noninterest income to average assets | 0.8532% | 1,292 |
| Noninterest expense to average assets | 2.1332% | 4,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9693% | 2,953 |
| Return on assets (ROA) | 0.9693% | 3,037 |
| Pretax return on assets | 1.2255% | 2,746 |
| Return on Equity (ROE) | 6.3789% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.3789% | 1,682 |
| Net charge-offs to loans | -0.0030% | 4,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5121% | 3,143 |
| Assets per employee ($millions) | 9.5258% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4134% | 4,980 |
| Loan loss allowance to noncurrent loans | 42.8318% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.0632% | 1,165 |
| Noncurrent loans to loans | 0.9651% | 1,585 |
| Net loans and leases to total assets | 89.1456% | 62 |
| Net loans and leases to deposits | 139.9198% | 19 |
| Net loans and leases to core deposits | 190.1086% | 48 |
| Total domestic deposits to total assets | 63.7119% | 5,054 |
| Equity capital to assets | 15.3582% | 718 |
| Core capital (leverage) ratio | 15.3087% | 627 |
| Tier 1 risk-based capital ratio | 21.5740% | 1,075 |
| Total risk-based capital ratio | 22.1943% | 1,150 |
| Memoranda: | ||
| Average total assets | $827,395,000 | 947 |
| Average earning assets | $791,340,400 | 916 |
| Average equity | $125,727,400 | 727 |
| Average total loans | $730,211,200 | 780 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 4,189 |
| Cost of funding earning assets | 1.5003% | 407 |
| Net interest margin | 2.5834% | 5,013 |
| Noninterest income to average assets | 0.9278% | 1,083 |
| Noninterest expense to average assets | 2.0490% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0774% | 2,659 |
| Return on assets (ROA) | 1.0774% | 2,750 |
| Pretax return on assets | 1.3450% | 2,513 |
| Return on Equity (ROE) | 7.1101% | 3,635 |
| Retained earnings to average equity (ytd only) | 7.1101% | 1,813 |
| Net charge-offs to loans | -0.0122% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3717% | 3,568 |
| Assets per employee ($millions) | 9.5657% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4253% | 5,043 |
| Loan loss allowance to noncurrent loans | 50.3084% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 1,709 |
| Noncurrent loans to loans | 0.8453% | 1,889 |
| Net loans and leases to total assets | 87.4907% | 116 |
| Net loans and leases to deposits | 136.2073% | 29 |
| Net loans and leases to core deposits | 184.7380% | 52 |
| Total domestic deposits to total assets | 64.2335% | 5,120 |
| Equity capital to assets | 15.1354% | 813 |
| Core capital (leverage) ratio | 15.2335% | 688 |
| Tier 1 risk-based capital ratio | 21.5787% | 1,126 |
| Total risk-based capital ratio | 22.2064% | 1,176 |
| Memoranda: | ||
| Average total assets | $822,295,250 | 955 |
| Average earning assets | $784,993,500 | 922 |
| Average equity | $124,607,750 | 730 |
| Average total loans | $723,037,000 | 784 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 4,364 |
| Cost of funding earning assets | 1.4622% | 431 |
| Net interest margin | 2.5425% | 5,105 |
| Noninterest income to average assets | 0.5328% | 2,483 |
| Noninterest expense to average assets | 2.0736% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6594% | 4,131 |
| Return on assets (ROA) | 0.6594% | 4,187 |
| Pretax return on assets | 0.8887% | 3,875 |
| Return on Equity (ROE) | 4.3493% | 4,512 |
| Retained earnings to average equity (ytd only) | 4.3493% | 3,091 |
| Net charge-offs to loans | -0.0235% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9983% | 2,225 |
| Assets per employee ($millions) | 9.2532% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4338% | 5,079 |
| Loan loss allowance to noncurrent loans | 50.4652% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 1,722 |
| Noncurrent loans to loans | 0.8596% | 1,888 |
| Net loans and leases to total assets | 87.2293% | 145 |
| Net loans and leases to deposits | 135.8641% | 31 |
| Net loans and leases to core deposits | 184.5517% | 55 |
| Total domestic deposits to total assets | 64.2034% | 5,166 |
| Equity capital to assets | 14.8298% | 861 |
| Core capital (leverage) ratio | 15.3545% | 639 |
| Tier 1 risk-based capital ratio | 21.5573% | 1,111 |
| Total risk-based capital ratio | 22.1964% | 1,169 |
| Memoranda: | ||
| Average total assets | $812,612,330 | 961 |
| Average earning assets | $776,485,330 | 929 |
| Average equity | $123,192,330 | 730 |
| Average total loans | $714,706,670 | 790 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9602% | 4,456 |
| Cost of funding earning assets | 1.4268% | 414 |
| Net interest margin | 2.5333% | 5,176 |
| Noninterest income to average assets | 0.4156% | 3,077 |
| Noninterest expense to average assets | 2.1130% | 4,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5419% | 4,402 |
| Return on assets (ROA) | 0.5419% | 4,430 |
| Pretax return on assets | 0.7289% | 4,229 |
| Return on Equity (ROE) | 3.5341% | 4,671 |
| Retained earnings to average equity (ytd only) | 3.5341% | 3,498 |
| Net charge-offs to loans | 0.0108% | 2,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 76.5263% | 790 |
| Efficiency ratio | 74.3517% | 1,705 |
| Assets per employee ($millions) | 8.9609% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4388% | 5,139 |
| Loan loss allowance to noncurrent loans | 46.6275% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 0.9015% | 1,558 |
| Noncurrent loans to loans | 0.9410% | 1,779 |
| Net loans and leases to total assets | 87.1398% | 142 |
| Net loans and leases to deposits | 134.1030% | 32 |
| Net loans and leases to core deposits | 183.8904% | 50 |
| Total domestic deposits to total assets | 64.9797% | 5,217 |
| Equity capital to assets | 15.2563% | 698 |
| Core capital (leverage) ratio | 15.4751% | 600 |
| Tier 1 risk-based capital ratio | 22.4142% | 998 |
| Total risk-based capital ratio | 23.0586% | 1,052 |
| Memoranda: | ||
| Average total assets | $797,900,000 | 975 |
| Average earning assets | $764,211,500 | 941 |
| Average equity | $122,352,500 | 736 |
| Average total loans | $703,208,500 | 811 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 4,481 |
| Cost of funding earning assets | 1.0991% | 495 |
| Net interest margin | 2.7043% | 5,096 |
| Noninterest income to average assets | 0.4461% | 3,128 |
| Noninterest expense to average assets | 2.1098% | 4,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6701% | 4,232 |
| Return on assets (ROA) | 0.6701% | 4,242 |
| Pretax return on assets | 0.9132% | 3,859 |
| Return on Equity (ROE) | 4.3137% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.3137% | 3,173 |
| Net charge-offs to loans | 0.0073% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 142.8776% | 581 |
| Efficiency ratio | 69.7907% | 2,224 |
| Assets per employee ($millions) | 8.5796% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4448% | 5,181 |
| Loan loss allowance to noncurrent loans | 36.2916% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1576% | 1,136 |
| Noncurrent loans to loans | 1.2256% | 1,301 |
| Net loans and leases to total assets | 88.3595% | 103 |
| Net loans and leases to deposits | 138.2766% | 24 |
| Net loans and leases to core deposits | 185.4304% | 47 |
| Total domestic deposits to total assets | 63.9005% | 5,279 |
| Equity capital to assets | 15.4140% | 628 |
| Core capital (leverage) ratio | 15.5059% | 596 |
| Tier 1 risk-based capital ratio | 22.5942% | 957 |
| Total risk-based capital ratio | 23.2508% | 1,014 |
| Memoranda: | ||
| Average total assets | $766,610,600 | 981 |
| Average earning assets | $730,495,000 | 957 |
| Average equity | $119,085,600 | 723 |
| Average total loans | $672,529,200 | 819 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7604% | 4,529 |
| Cost of funding earning assets | 1.0468% | 487 |
| Net interest margin | 2.7137% | 5,158 |
| Noninterest income to average assets | 0.4610% | 3,091 |
| Noninterest expense to average assets | 2.0332% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7484% | 4,078 |
| Return on assets (ROA) | 0.7484% | 4,091 |
| Pretax return on assets | 1.0093% | 3,693 |
| Return on Equity (ROE) | 4.8079% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.8079% | 3,341 |
| Net charge-offs to loans | 0.0110% | 3,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 104.7294% | 721 |
| Efficiency ratio | 66.8279% | 2,746 |
| Assets per employee ($millions) | 8.5629% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4543% | 5,238 |
| Loan loss allowance to noncurrent loans | 40.6933% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 1.0480% | 1,384 |
| Noncurrent loans to loans | 1.1163% | 1,526 |
| Net loans and leases to total assets | 87.4888% | 162 |
| Net loans and leases to deposits | 131.8787% | 41 |
| Net loans and leases to core deposits | 170.7351% | 69 |
| Total domestic deposits to total assets | 66.3403% | 5,317 |
| Equity capital to assets | 15.4679% | 624 |
| Core capital (leverage) ratio | 15.6824% | 567 |
| Tier 1 risk-based capital ratio | 21.2838% | 1,143 |
| Total risk-based capital ratio | 21.8882% | 1,208 |
| Memoranda: | ||
| Average total assets | $760,932,750 | 987 |
| Average earning assets | $723,868,250 | 963 |
| Average equity | $118,440,500 | 720 |
| Average total loans | $665,522,250 | 827 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7082% | 4,564 |
| Cost of funding earning assets | 0.9934% | 483 |
| Net interest margin | 2.7148% | 5,206 |
| Noninterest income to average assets | 0.4343% | 3,261 |
| Noninterest expense to average assets | 2.0449% | 4,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7167% | 4,152 |
| Return on assets (ROA) | 0.7167% | 4,157 |
| Pretax return on assets | 0.9743% | 3,734 |
| Return on Equity (ROE) | 4.5947% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.5947% | 3,292 |
| Net charge-offs to loans | -0.0024% | 3,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7315% | 2,692 |
| Assets per employee ($millions) | 8.4906% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4692% | 5,298 |
| Loan loss allowance to noncurrent loans | 38.2105% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 1.1066% | 1,338 |
| Noncurrent loans to loans | 1.2280% | 1,407 |
| Net loans and leases to total assets | 87.1088% | 192 |
| Net loans and leases to deposits | 130.6980% | 41 |
| Net loans and leases to core deposits | 168.7989% | 64 |
| Total domestic deposits to total assets | 66.6489% | 5,370 |
| Equity capital to assets | 15.4023% | 609 |
| Core capital (leverage) ratio | 15.8257% | 530 |
| Tier 1 risk-based capital ratio | 21.2020% | 1,140 |
| Total risk-based capital ratio | 21.8176% | 1,208 |
| Memoranda: | ||
| Average total assets | $754,837,000 | 996 |
| Average earning assets | $718,729,000 | 971 |
| Average equity | $117,744,330 | 724 |
| Average total loans | $659,082,670 | 837 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6599% | 4,570 |
| Cost of funding earning assets | 0.9636% | 445 |
| Net interest margin | 2.6964% | 5,257 |
| Noninterest income to average assets | 0.3486% | 3,811 |
| Noninterest expense to average assets | 2.0635% | 4,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6408% | 4,309 |
| Return on assets (ROA) | 0.6408% | 4,322 |
| Pretax return on assets | 0.8526% | 4,003 |
| Return on Equity (ROE) | 4.0815% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.0815% | 3,569 |
| Net charge-offs to loans | -0.0025% | 3,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7613% | 2,381 |
| Assets per employee ($millions) | 8.1867% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4833% | 5,352 |
| Loan loss allowance to noncurrent loans | 43.3872% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0024% | 1,565 |
| Noncurrent loans to loans | 1.1138% | 1,646 |
| Net loans and leases to total assets | 86.6457% | 215 |
| Net loans and leases to deposits | 127.8391% | 42 |
| Net loans and leases to core deposits | 166.3454% | 70 |
| Total domestic deposits to total assets | 67.7772% | 5,421 |
| Equity capital to assets | 15.6135% | 552 |
| Core capital (leverage) ratio | 15.9122% | 501 |
| Tier 1 risk-based capital ratio | 21.4192% | 1,132 |
| Total risk-based capital ratio | 22.0456% | 1,211 |
| Memoranda: | ||
| Average total assets | $745,931,000 | 1,008 |
| Average earning assets | $710,285,000 | 987 |
| Average equity | $117,113,500 | 729 |
| Average total loans | $650,515,000 | 848 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6058% | 4,561 |
| Cost of funding earning assets | 0.8395% | 507 |
| Net interest margin | 2.7663% | 5,212 |
| Noninterest income to average assets | 0.5601% | 2,657 |
| Noninterest expense to average assets | 2.1630% | 4,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6100% | 3,964 |
| Return on assets (ROA) | 0.6062% | 4,021 |
| Pretax return on assets | 1.0303% | 3,457 |
| Return on Equity (ROE) | 3.7612% | 4,578 |
| Retained earnings to average equity (ytd only) | 3.7612% | 2,970 |
| Net charge-offs to loans | -0.0076% | 4,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6086% | 2,979 |
| Assets per employee ($millions) | 8.0292% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4905% | 5,398 |
| Loan loss allowance to noncurrent loans | 38.2431% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 1.1537% | 1,288 |
| Noncurrent loans to loans | 1.2826% | 1,373 |
| Net loans and leases to total assets | 86.9248% | 198 |
| Net loans and leases to deposits | 129.2252% | 47 |
| Net loans and leases to core deposits | 165.0557% | 74 |
| Total domestic deposits to total assets | 67.2662% | 5,489 |
| Equity capital to assets | 15.7888% | 537 |
| Core capital (leverage) ratio | 15.7107% | 512 |
| Tier 1 risk-based capital ratio | 20.4588% | 1,233 |
| Total risk-based capital ratio | 21.0590% | 1,323 |
| Memoranda: | ||
| Average total assets | $712,350,400 | 1,026 |
| Average earning assets | $679,600,200 | 994 |
| Average equity | $114,802,800 | 713 |
| Average total loans | $618,823,000 | 848 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5770% | 4,614 |
| Cost of funding earning assets | 0.8164% | 520 |
| Net interest margin | 2.7607% | 5,271 |
| Noninterest income to average assets | 0.5669% | 2,635 |
| Noninterest expense to average assets | 2.0834% | 4,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7220% | 3,866 |
| Return on assets (ROA) | 0.7201% | 3,932 |
| Pretax return on assets | 1.1146% | 3,254 |
| Return on Equity (ROE) | 4.4449% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.4449% | 3,254 |
| Net charge-offs to loans | -0.0102% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0888% | 3,361 |
| Assets per employee ($millions) | 7.7869% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4984% | 5,472 |
| Loan loss allowance to noncurrent loans | 38.8296% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 1.1472% | 1,442 |
| Noncurrent loans to loans | 1.2836% | 1,490 |
| Net loans and leases to total assets | 86.3241% | 237 |
| Net loans and leases to deposits | 128.5431% | 48 |
| Net loans and leases to core deposits | 159.5685% | 87 |
| Total domestic deposits to total assets | 67.1558% | 5,562 |
| Equity capital to assets | 15.9047% | 560 |
| Core capital (leverage) ratio | 16.0156% | 489 |
| Tier 1 risk-based capital ratio | 20.5219% | 1,274 |
| Total risk-based capital ratio | 21.1256% | 1,352 |
| Memoranda: | ||
| Average total assets | $705,766,000 | 1,040 |
| Average earning assets | $673,350,000 | 1,011 |
| Average equity | $114,346,000 | 719 |
| Average total loans | $612,211,750 | 859 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5810% | 4,561 |
| Cost of funding earning assets | 0.7885% | 556 |
| Net interest margin | 2.7925% | 5,258 |
| Noninterest income to average assets | 0.5064% | 2,979 |
| Noninterest expense to average assets | 2.0934% | 4,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7011% | 3,848 |
| Return on assets (ROA) | 0.6987% | 3,921 |
| Pretax return on assets | 1.0809% | 3,260 |
| Return on Equity (ROE) | 4.2849% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.2849% | 3,158 |
| Net charge-offs to loans | -0.0083% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8722% | 3,374 |
| Assets per employee ($millions) | 7.5521% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5047% | 5,514 |
| Loan loss allowance to noncurrent loans | 39.4776% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 1.1630% | 1,472 |
| Noncurrent loans to loans | 1.2785% | 1,508 |
| Net loans and leases to total assets | 86.3880% | 244 |
| Net loans and leases to deposits | 127.9065% | 48 |
| Net loans and leases to core deposits | 162.1905% | 85 |
| Total domestic deposits to total assets | 67.5400% | 5,607 |
| Equity capital to assets | 16.0390% | 526 |
| Core capital (leverage) ratio | 16.2402% | 446 |
| Tier 1 risk-based capital ratio | 21.0507% | 1,167 |
| Total risk-based capital ratio | 21.6724% | 1,257 |
| Memoranda: | ||
| Average total assets | $697,032,330 | 1,053 |
| Average earning assets | $666,848,000 | 1,023 |
| Average equity | $113,655,670 | 725 |
| Average total loans | $604,606,000 | 874 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5487% | 4,557 |
| Cost of funding earning assets | 0.7536% | 636 |
| Net interest margin | 2.7951% | 5,252 |
| Noninterest income to average assets | 0.3180% | 4,279 |
| Noninterest expense to average assets | 2.2131% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5152% | 4,538 |
| Return on assets (ROA) | 0.5113% | 4,581 |
| Pretax return on assets | 0.7798% | 4,183 |
| Return on Equity (ROE) | 3.1094% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.1094% | 3,857 |
| Net charge-offs to loans | 0.0235% | 2,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 38.5429% | 1,062 |
| Efficiency ratio | 73.8007% | 2,263 |
| Assets per employee ($millions) | 7.4502% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5116% | 5,589 |
| Loan loss allowance to noncurrent loans | 34.1229% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 1.3755% | 1,223 |
| Noncurrent loans to loans | 1.4994% | 1,334 |
| Net loans and leases to total assets | 84.7018% | 312 |
| Net loans and leases to deposits | 123.2506% | 66 |
| Net loans and leases to core deposits | 157.8242% | 83 |
| Total domestic deposits to total assets | 68.7232% | 5,665 |
| Equity capital to assets | 16.0260% | 492 |
| Core capital (leverage) ratio | 16.6522% | 393 |
| Tier 1 risk-based capital ratio | 21.4530% | 1,155 |
| Total risk-based capital ratio | 22.0899% | 1,220 |
| Memoranda: | ||
| Average total assets | $686,824,000 | 1,070 |
| Average earning assets | $658,729,000 | 1,032 |
| Average equity | $112,947,500 | 729 |
| Average total loans | $595,442,000 | 881 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5748% | 4,579 |
| Cost of funding earning assets | 0.7090% | 784 |
| Net interest margin | 2.8659% | 5,189 |
| Noninterest income to average assets | 0.6474% | 2,429 |
| Noninterest expense to average assets | 2.2393% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7500% | 3,533 |
| Return on assets (ROA) | 0.7492% | 3,660 |
| Pretax return on assets | 1.1720% | 2,793 |
| Return on Equity (ROE) | 4.3103% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.3103% | 2,832 |
| Net charge-offs to loans | -0.0090% | 4,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6184% | 3,659 |
| Assets per employee ($millions) | 7.0838% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5302% | 5,628 |
| Loan loss allowance to noncurrent loans | 29.1060% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 1.7347% | 880 |
| Noncurrent loans to loans | 1.8215% | 1,042 |
| Net loans and leases to total assets | 87.8822% | 130 |
| Net loans and leases to deposits | 133.4253% | 32 |
| Net loans and leases to core deposits | 157.2593% | 91 |
| Total domestic deposits to total assets | 65.8662% | 5,759 |
| Equity capital to assets | 16.8901% | 399 |
| Core capital (leverage) ratio | 17.0047% | 359 |
| Tier 1 risk-based capital ratio | 22.0955% | 1,067 |
| Total risk-based capital ratio | 22.7635% | 1,122 |
| Memoranda: | ||
| Average total assets | $635,472,200 | 1,112 |
| Average earning assets | $613,148,600 | 1,065 |
| Average equity | $110,456,400 | 725 |
| Average total loans | $552,978,800 | 897 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5997% | 4,554 |
| Cost of funding earning assets | 0.7133% | 764 |
| Net interest margin | 2.8864% | 5,211 |
| Noninterest income to average assets | 0.7316% | 2,039 |
| Noninterest expense to average assets | 2.2191% | 4,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8247% | 3,260 |
| Return on assets (ROA) | 0.8237% | 3,395 |
| Pretax return on assets | 1.2924% | 2,457 |
| Return on Equity (ROE) | 4.7037% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.7037% | 3,014 |
| Net charge-offs to loans | -0.0007% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1687% | 4,043 |
| Assets per employee ($millions) | 6.9932% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5413% | 5,684 |
| Loan loss allowance to noncurrent loans | 32.1942% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.4885% | 1,210 |
| Noncurrent loans to loans | 1.6813% | 1,254 |
| Net loans and leases to total assets | 85.8413% | 263 |
| Net loans and leases to deposits | 129.6887% | 43 |
| Net loans and leases to core deposits | 150.9063% | 120 |
| Total domestic deposits to total assets | 66.1903% | 5,811 |
| Equity capital to assets | 17.0398% | 431 |
| Core capital (leverage) ratio | 17.2442% | 349 |
| Tier 1 risk-based capital ratio | 22.4860% | 1,066 |
| Total risk-based capital ratio | 23.1617% | 1,126 |
| Memoranda: | ||
| Average total assets | $627,870,250 | 1,127 |
| Average earning assets | $605,029,250 | 1,082 |
| Average equity | $109,953,500 | 731 |
| Average total loans | $544,146,250 | 902 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6191% | 4,535 |
| Cost of funding earning assets | 0.7207% | 722 |
| Net interest margin | 2.8983% | 5,268 |
| Noninterest income to average assets | 0.6754% | 2,250 |
| Noninterest expense to average assets | 2.2507% | 4,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7819% | 3,392 |
| Return on assets (ROA) | 0.7809% | 3,543 |
| Pretax return on assets | 1.2223% | 2,694 |
| Return on Equity (ROE) | 4.4167% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.4167% | 3,104 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7760% | 3,883 |
| Assets per employee ($millions) | 6.7925% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5590% | 5,735 |
| Loan loss allowance to noncurrent loans | 39.6024% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 1.2761% | 1,599 |
| Noncurrent loans to loans | 1.4116% | 1,574 |
| Net loans and leases to total assets | 86.3918% | 227 |
| Net loans and leases to deposits | 130.0944% | 41 |
| Net loans and leases to core deposits | 159.0074% | 91 |
| Total domestic deposits to total assets | 66.4070% | 5,880 |
| Equity capital to assets | 17.5042% | 378 |
| Core capital (leverage) ratio | 17.6919% | 318 |
| Tier 1 risk-based capital ratio | 23.0405% | 1,010 |
| Total risk-based capital ratio | 23.7415% | 1,062 |
| Memoranda: | ||
| Average total assets | $618,040,000 | 1,143 |
| Average earning assets | $596,892,330 | 1,101 |
| Average equity | $109,267,000 | 737 |
| Average total loans | $536,409,000 | 914 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5788% | 4,678 |
| Cost of funding earning assets | 0.7486% | 639 |
| Net interest margin | 2.8302% | 5,425 |
| Noninterest income to average assets | 0.6014% | 2,518 |
| Noninterest expense to average assets | 2.2382% | 4,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7089% | 3,670 |
| Return on assets (ROA) | 0.7081% | 3,791 |
| Pretax return on assets | 1.1008% | 3,092 |
| Return on Equity (ROE) | 3.9848% | 4,896 |
| Retained earnings to average equity (ytd only) | 3.9848% | 3,502 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0063% | 3,634 |
| Assets per employee ($millions) | 6.7840% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5781% | 5,776 |
| Loan loss allowance to noncurrent loans | 35.1553% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 1,418 |
| Noncurrent loans to loans | 1.6445% | 1,386 |
| Net loans and leases to total assets | 85.4645% | 262 |
| Net loans and leases to deposits | 129.0255% | 41 |
| Net loans and leases to core deposits | 157.4892% | 90 |
| Total domestic deposits to total assets | 66.2385% | 5,964 |
| Equity capital to assets | 17.6890% | 353 |
| Core capital (leverage) ratio | 17.9033% | 301 |
| Tier 1 risk-based capital ratio | 23.7395% | 940 |
| Total risk-based capital ratio | 24.4766% | 981 |
| Memoranda: | ||
| Average total assets | $611,207,000 | 1,156 |
| Average earning assets | $591,476,000 | 1,104 |
| Average equity | $108,613,000 | 746 |
| Average total loans | $530,208,500 | 923 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6018% | 4,671 |
| Cost of funding earning assets | 0.7456% | 654 |
| Net interest margin | 2.8562% | 5,408 |
| Noninterest income to average assets | 0.5556% | 2,986 |
| Noninterest expense to average assets | 2.3992% | 4,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5916% | 4,314 |
| Return on assets (ROA) | 0.5902% | 4,422 |
| Pretax return on assets | 0.9062% | 3,814 |
| Return on Equity (ROE) | 3.2221% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.2221% | 3,761 |
| Net charge-offs to loans | 0.0286% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 37.2254% | 1,239 |
| Efficiency ratio | 72.5346% | 2,823 |
| Assets per employee ($millions) | 6.6491% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5792% | 5,821 |
| Loan loss allowance to noncurrent loans | 32.6348% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 1.5944% | 1,239 |
| Noncurrent loans to loans | 1.7747% | 1,252 |
| Net loans and leases to total assets | 87.0430% | 166 |
| Net loans and leases to deposits | 132.5436% | 34 |
| Net loans and leases to core deposits | 159.7989% | 79 |
| Total domestic deposits to total assets | 65.6712% | 6,021 |
| Equity capital to assets | 17.8532% | 327 |
| Core capital (leverage) ratio | 17.7781% | 293 |
| Tier 1 risk-based capital ratio | 23.9511% | 930 |
| Total risk-based capital ratio | 24.7021% | 950 |
| Memoranda: | ||
| Average total assets | $581,866,800 | 1,175 |
| Average earning assets | $560,636,000 | 1,123 |
| Average equity | $106,575,400 | 726 |
| Average total loans | $495,974,800 | 946 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6082% | 4,711 |
| Cost of funding earning assets | 0.7464% | 659 |
| Net interest margin | 2.8618% | 5,471 |
| Noninterest income to average assets | 0.6029% | 2,726 |
| Noninterest expense to average assets | 2.3707% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6384% | 4,196 |
| Return on assets (ROA) | 0.6367% | 4,313 |
| Pretax return on assets | 0.9806% | 3,686 |
| Return on Equity (ROE) | 3.4533% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.4533% | 4,008 |
| Net charge-offs to loans | 0.0397% | 3,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 29.2963% | 1,523 |
| Efficiency ratio | 70.6853% | 3,099 |
| Assets per employee ($millions) | 6.6688% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6062% | 5,881 |
| Loan loss allowance to noncurrent loans | 29.0466% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 1.8904% | 1,106 |
| Noncurrent loans to loans | 2.0868% | 1,092 |
| Net loans and leases to total assets | 83.7368% | 399 |
| Net loans and leases to deposits | 125.4052% | 66 |
| Net loans and leases to core deposits | 144.7979% | 138 |
| Total domestic deposits to total assets | 66.7730% | 6,074 |
| Equity capital to assets | 17.9102% | 345 |
| Core capital (leverage) ratio | 18.2375% | 284 |
| Tier 1 risk-based capital ratio | 24.3955% | 907 |
| Total risk-based capital ratio | 25.1648% | 938 |
| Memoranda: | ||
| Average total assets | $576,066,250 | 1,188 |
| Average earning assets | $553,760,250 | 1,142 |
| Average equity | $106,213,250 | 732 |
| Average total loans | $487,534,000 | 965 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 4,679 |
| Cost of funding earning assets | 0.7464% | 659 |
| Net interest margin | 2.8689% | 5,495 |
| Noninterest income to average assets | 0.6253% | 2,606 |
| Noninterest expense to average assets | 2.3791% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6578% | 4,087 |
| Return on assets (ROA) | 0.6560% | 4,204 |
| Pretax return on assets | 1.0095% | 3,545 |
| Return on Equity (ROE) | 3.5222% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.5222% | 3,787 |
| Net charge-offs to loans | 0.0444% | 2,811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 26.8692% | 1,470 |
| Efficiency ratio | 70.1516% | 3,302 |
| Assets per employee ($millions) | 6.4285% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6302% | 5,923 |
| Loan loss allowance to noncurrent loans | 35.3545% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 1.7186% | 1,380 |
| Noncurrent loans to loans | 1.7826% | 1,438 |
| Net loans and leases to total assets | 84.5359% | 335 |
| Net loans and leases to deposits | 128.0619% | 50 |
| Net loans and leases to core deposits | 144.5070% | 138 |
| Total domestic deposits to total assets | 66.0117% | 6,168 |
| Equity capital to assets | 18.4123% | 301 |
| Core capital (leverage) ratio | 18.5952% | 257 |
| Tier 1 risk-based capital ratio | 24.8940% | 875 |
| Total risk-based capital ratio | 25.6943% | 898 |
| Memoranda: | ||
| Average total assets | $568,025,330 | 1,210 |
| Average earning assets | $547,662,670 | 1,152 |
| Average equity | $105,786,000 | 734 |
| Average total loans | $481,497,330 | 970 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 4,644 |
| Cost of funding earning assets | 0.7499% | 657 |
| Net interest margin | 2.8637% | 5,522 |
| Noninterest income to average assets | 0.7200% | 2,069 |
| Noninterest expense to average assets | 2.3968% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7089% | 3,753 |
| Return on assets (ROA) | 0.7079% | 3,884 |
| Pretax return on assets | 1.0903% | 3,123 |
| Return on Equity (ROE) | 3.7793% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.7793% | 3,739 |
| Net charge-offs to loans | 0.0899% | 1,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 14.3551% | 1,673 |
| Efficiency ratio | 68.7042% | 3,708 |
| Assets per employee ($millions) | 6.4524% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6505% | 5,986 |
| Loan loss allowance to noncurrent loans | 34.9010% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 1.7631% | 1,394 |
| Noncurrent loans to loans | 1.8639% | 1,441 |
| Net loans and leases to total assets | 83.4342% | 346 |
| Net loans and leases to deposits | 127.4899% | 44 |
| Net loans and leases to core deposits | 143.9338% | 131 |
| Total domestic deposits to total assets | 65.4437% | 6,249 |
| Equity capital to assets | 18.6674% | 285 |
| Core capital (leverage) ratio | 18.8386% | 246 |
| Tier 1 risk-based capital ratio | 25.5251% | 833 |
| Total risk-based capital ratio | 26.3481% | 856 |
| Memoranda: | ||
| Average total assets | $562,756,000 | 1,228 |
| Average earning assets | $544,053,000 | 1,168 |
| Average equity | $105,415,500 | 735 |
| Average total loans | $476,148,000 | 978 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7332% | 4,697 |
| Cost of funding earning assets | 0.7938% | 672 |
| Net interest margin | 2.9394% | 5,570 |
| Noninterest income to average assets | 0.4099% | 4,115 |
| Noninterest expense to average assets | 2.7007% | 3,861 |
| Loan and lease loss provision to assets | -0.0433% | 6,011 |
| Net operating income to assets | 0.3941% | 5,241 |
| Return on assets (ROA) | 0.3928% | 5,315 |
| Pretax return on assets | 0.5674% | 5,045 |
| Return on Equity (ROE) | 1.9756% | 5,772 |
| Retained earnings to average equity (ytd only) | 1.9756% | 4,806 |
| Net charge-offs to loans | 0.1225% | 2,801 |
| Credit loss provision to net charge-offs | -43.0476% | 5,403 |
| Earnings coverage of net charge-offs (x) | 5.2286% | 3,477 |
| Efficiency ratio | 83.6995% | 1,447 |
| Assets per employee ($millions) | 6.3376% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6752% | 6,037 |
| Loan loss allowance to noncurrent loans | 67.0706% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.1151% | 2,521 |
| Noncurrent loans to loans | 1.0066% | 2,817 |
| Net loans and leases to total assets | 84.6754% | 300 |
| Net loans and leases to deposits | 127.9423% | 53 |
| Net loans and leases to core deposits | 144.9173% | 130 |
| Total domestic deposits to total assets | 66.1825% | 6,321 |
| Equity capital to assets | 18.7978% | 274 |
| Core capital (leverage) ratio | 18.8739% | 251 |
| Tier 1 risk-based capital ratio | 29.4792% | 532 |
| Total risk-based capital ratio | 30.4702% | 535 |
| Memoranda: | ||
| Average total assets | $521,897,400 | 1,286 |
| Average earning assets | $500,128,000 | 1,231 |
| Average equity | $103,768,400 | 700 |
| Average total loans | $428,421,200 | 1,026 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 4,647 |
| Cost of funding earning assets | 0.8096% | 653 |
| Net interest margin | 2.9637% | 5,576 |
| Noninterest income to average assets | 0.4512% | 3,888 |
| Noninterest expense to average assets | 2.7527% | 3,632 |
| Loan and lease loss provision to assets | -0.0587% | 6,210 |
| Net operating income to assets | 0.4077% | 5,216 |
| Return on assets (ROA) | 0.4063% | 5,302 |
| Pretax return on assets | 0.5872% | 5,063 |
| Return on Equity (ROE) | 2.0134% | 5,836 |
| Retained earnings to average equity (ytd only) | 2.0134% | 5,043 |
| Net charge-offs to loans | 0.0054% | 4,505 |
| Credit loss provision to net charge-offs | -1,329.4118% | 5,914 |
| Earnings coverage of net charge-offs (x) | 120.0384% | 494 |
| Efficiency ratio | 83.8413% | 1,407 |
| Assets per employee ($millions) | 6.0402% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 5,757 |
| Loan loss allowance to noncurrent loans | 71.3765% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.1019% | 2,744 |
| Noncurrent loans to loans | 1.1852% | 2,689 |
| Net loans and leases to total assets | 81.9872% | 511 |
| Net loans and leases to deposits | 116.8576% | 118 |
| Net loans and leases to core deposits | 127.6214% | 261 |
| Total domestic deposits to total assets | 70.1600% | 6,280 |
| Equity capital to assets | 19.6399% | 246 |
| Core capital (leverage) ratio | 19.7007% | 223 |
| Tier 1 risk-based capital ratio | 31.1236% | 478 |
| Total risk-based capital ratio | 32.3275% | 473 |
| Memoranda: | ||
| Average total assets | $512,945,500 | 1,324 |
| Average earning assets | $490,135,250 | 1,266 |
| Average equity | $103,501,500 | 703 |
| Average total loans | $416,664,250 | 1,053 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7533% | 4,680 |
| Cost of funding earning assets | 0.8239% | 635 |
| Net interest margin | 2.9294% | 5,678 |
| Noninterest income to average assets | 0.4164% | 4,124 |
| Noninterest expense to average assets | 2.8105% | 3,459 |
| Loan and lease loss provision to assets | -0.1085% | 6,387 |
| Net operating income to assets | 0.3648% | 5,355 |
| Return on assets (ROA) | 0.3631% | 5,429 |
| Pretax return on assets | 0.5131% | 5,241 |
| Return on Equity (ROE) | 1.7829% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.7829% | 5,000 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3528% | 1,148 |
| Assets per employee ($millions) | 5.8285% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 5,747 |
| Loan loss allowance to noncurrent loans | 110.8206% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.7773% | 3,637 |
| Noncurrent loans to loans | 0.8022% | 3,700 |
| Net loans and leases to total assets | 80.1415% | 673 |
| Net loans and leases to deposits | 111.9524% | 168 |
| Net loans and leases to core deposits | 121.7422% | 337 |
| Total domestic deposits to total assets | 71.5853% | 6,281 |
| Equity capital to assets | 20.2400% | 206 |
| Core capital (leverage) ratio | 20.5244% | 183 |
| Tier 1 risk-based capital ratio | 32.3092% | 433 |
| Total risk-based capital ratio | 33.5571% | 424 |
| Memoranda: | ||
| Average total assets | $506,749,330 | 1,330 |
| Average earning assets | $484,535,670 | 1,271 |
| Average equity | $103,204,330 | 707 |
| Average total loans | $409,049,670 | 1,066 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7349% | 4,726 |
| Cost of funding earning assets | 0.8335% | 632 |
| Net interest margin | 2.9014% | 5,749 |
| Noninterest income to average assets | 0.3272% | 4,752 |
| Noninterest expense to average assets | 2.8463% | 3,397 |
| Loan and lease loss provision to assets | -0.1469% | 6,526 |
| Net operating income to assets | 0.3022% | 5,485 |
| Return on assets (ROA) | 0.3010% | 5,533 |
| Pretax return on assets | 0.4074% | 5,431 |
| Return on Equity (ROE) | 1.4733% | 5,937 |
| Retained earnings to average equity (ytd only) | 1.4733% | 5,028 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5687% | 906 |
| Assets per employee ($millions) | 5.9034% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 5,794 |
| Loan loss allowance to noncurrent loans | 91.0099% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.9407% | 3,370 |
| Noncurrent loans to loans | 1.0138% | 3,393 |
| Net loans and leases to total assets | 79.8633% | 565 |
| Net loans and leases to deposits | 111.9418% | 119 |
| Net loans and leases to core deposits | 122.3797% | 282 |
| Total domestic deposits to total assets | 71.3436% | 6,393 |
| Equity capital to assets | 20.3215% | 198 |
| Core capital (leverage) ratio | 20.6348% | 180 |
| Tier 1 risk-based capital ratio | 33.0349% | 414 |
| Total risk-based capital ratio | 34.3414% | 406 |
| Memoranda: | ||
| Average total assets | $503,672,000 | 1,339 |
| Average earning assets | $482,801,500 | 1,285 |
| Average equity | $102,900,500 | 705 |
| Average total loans | $406,206,500 | 1,076 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9107% | 4,420 |
| Cost of funding earning assets | 0.9217% | 662 |
| Net interest margin | 2.9890% | 5,604 |
| Noninterest income to average assets | 0.5284% | 3,563 |
| Noninterest expense to average assets | 2.6721% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4839% | 4,800 |
| Return on assets (ROA) | 0.4820% | 4,949 |
| Pretax return on assets | 0.7006% | 4,538 |
| Return on Equity (ROE) | 2.3915% | 5,708 |
| Retained earnings to average equity (ytd only) | 2.3915% | 4,544 |
| Net charge-offs to loans | 0.1363% | 3,438 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 6.5720% | 3,032 |
| Efficiency ratio | 79.1623% | 2,293 |
| Assets per employee ($millions) | 5.8782% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 5,645 |
| Loan loss allowance to noncurrent loans | 99.6729% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.9573% | 3,501 |
| Noncurrent loans to loans | 0.9857% | 3,550 |
| Net loans and leases to total assets | 79.8989% | 606 |
| Net loans and leases to deposits | 108.3052% | 201 |
| Net loans and leases to core deposits | 119.7380% | 337 |
| Total domestic deposits to total assets | 73.7720% | 6,298 |
| Equity capital to assets | 20.5404% | 184 |
| Core capital (leverage) ratio | 20.2277% | 185 |
| Tier 1 risk-based capital ratio | 33.3242% | 384 |
| Total risk-based capital ratio | 34.7101% | 374 |
| Memoranda: | ||
| Average total assets | $506,425,000 | 1,315 |
| Average earning assets | $482,366,400 | 1,263 |
| Average equity | $102,068,400 | 696 |
| Average total loans | $397,653,000 | 1,082 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9372% | 4,362 |
| Cost of funding earning assets | 0.9370% | 678 |
| Net interest margin | 3.0002% | 5,595 |
| Noninterest income to average assets | 0.6009% | 3,142 |
| Noninterest expense to average assets | 2.6313% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5563% | 4,549 |
| Return on assets (ROA) | 0.5542% | 4,710 |
| Pretax return on assets | 0.8179% | 4,230 |
| Return on Equity (ROE) | 2.7627% | 5,693 |
| Retained earnings to average equity (ytd only) | 2.7627% | 4,669 |
| Net charge-offs to loans | 0.1154% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.1225% | 2,521 |
| Efficiency ratio | 76.2180% | 2,698 |
| Assets per employee ($millions) | 6.1225% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 5,630 |
| Loan loss allowance to noncurrent loans | 109.2150% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.8499% | 3,992 |
| Noncurrent loans to loans | 0.9352% | 3,947 |
| Net loans and leases to total assets | 78.3828% | 711 |
| Net loans and leases to deposits | 103.1972% | 323 |
| Net loans and leases to core deposits | 114.4081% | 435 |
| Total domestic deposits to total assets | 75.9544% | 6,175 |
| Equity capital to assets | 19.8935% | 217 |
| Core capital (leverage) ratio | 20.5056% | 182 |
| Tier 1 risk-based capital ratio | 32.5274% | 421 |
| Total risk-based capital ratio | 33.9482% | 406 |
| Memoranda: | ||
| Average total assets | $508,118,750 | 1,316 |
| Average earning assets | $482,935,750 | 1,278 |
| Average equity | $101,928,000 | 704 |
| Average total loans | $396,272,250 | 1,081 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9954% | 4,130 |
| Cost of funding earning assets | 0.9566% | 695 |
| Net interest margin | 3.0388% | 5,471 |
| Noninterest income to average assets | 0.7371% | 2,470 |
| Noninterest expense to average assets | 2.6586% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6512% | 4,054 |
| Return on assets (ROA) | 0.6485% | 4,224 |
| Pretax return on assets | 0.9694% | 3,639 |
| Return on Equity (ROE) | 3.2240% | 5,535 |
| Retained earnings to average equity (ytd only) | 3.2240% | 4,256 |
| Net charge-offs to loans | 0.1258% | 3,116 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 9.9717% | 2,210 |
| Efficiency ratio | 73.1991% | 3,279 |
| Assets per employee ($millions) | 5.9996% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 5,475 |
| Loan loss allowance to noncurrent loans | 213.3333% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.5302% | 4,935 |
| Noncurrent loans to loans | 0.5123% | 4,987 |
| Net loans and leases to total assets | 76.4239% | 939 |
| Net loans and leases to deposits | 102.0649% | 329 |
| Net loans and leases to core deposits | 112.8893% | 466 |
| Total domestic deposits to total assets | 74.8778% | 6,369 |
| Equity capital to assets | 20.2832% | 193 |
| Core capital (leverage) ratio | 20.2598% | 180 |
| Tier 1 risk-based capital ratio | 32.9808% | 405 |
| Total risk-based capital ratio | 34.4597% | 392 |
| Memoranda: | ||
| Average total assets | $506,060,330 | 1,317 |
| Average earning assets | $482,099,330 | 1,277 |
| Average equity | $101,800,330 | 707 |
| Average total loans | $392,603,670 | 1,093 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 4,056 |
| Cost of funding earning assets | 0.9465% | 794 |
| Net interest margin | 3.0687% | 5,373 |
| Noninterest income to average assets | 1.0057% | 1,445 |
| Noninterest expense to average assets | 2.7197% | 3,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8009% | 3,165 |
| Return on assets (ROA) | 0.7983% | 3,310 |
| Pretax return on assets | 1.2076% | 2,542 |
| Return on Equity (ROE) | 3.9846% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.9846% | 3,840 |
| Net charge-offs to loans | 0.2324% | 2,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.7074% | 2,179 |
| Efficiency ratio | 69.1814% | 4,117 |
| Assets per employee ($millions) | 6.0964% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 5,569 |
| Loan loss allowance to noncurrent loans | 270.3352% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6105% | 4,865 |
| Noncurrent loans to loans | 0.4099% | 5,390 |
| Net loans and leases to total assets | 76.2928% | 803 |
| Net loans and leases to deposits | 102.8041% | 258 |
| Net loans and leases to core deposits | 115.9889% | 355 |
| Total domestic deposits to total assets | 74.2118% | 6,522 |
| Equity capital to assets | 20.4082% | 202 |
| Core capital (leverage) ratio | 20.2440% | 181 |
| Tier 1 risk-based capital ratio | 33.2197% | 405 |
| Total risk-based capital ratio | 34.7401% | 390 |
| Memoranda: | ||
| Average total assets | $507,108,500 | 1,330 |
| Average earning assets | $483,462,500 | 1,283 |
| Average equity | $101,590,500 | 719 |
| Average total loans | $394,203,000 | 1,079 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 3,846 |
| Cost of funding earning assets | 1.1832% | 628 |
| Net interest margin | 3.2081% | 5,547 |
| Noninterest income to average assets | 1.0113% | 1,503 |
| Noninterest expense to average assets | 2.7501% | 4,212 |
| Loan and lease loss provision to assets | 0.2157% | 2,975 |
| Net operating income to assets | 0.7024% | 3,728 |
| Return on assets (ROA) | 0.6374% | 4,313 |
| Pretax return on assets | 0.9774% | 3,631 |
| Return on Equity (ROE) | 3.3293% | 5,415 |
| Retained earnings to average equity (ytd only) | 3.3293% | 3,879 |
| Net charge-offs to loans | 0.1921% | 3,836 |
| Credit loss provision to net charge-offs | 146.3446% | 1,857 |
| Earnings coverage of net charge-offs (x) | 8.7728% | 2,355 |
| Efficiency ratio | 68.0168% | 4,142 |
| Assets per employee ($millions) | 6.3496% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,133 |
| Loan loss allowance to noncurrent loans | 132.6626% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9416% | 4,147 |
| Noncurrent loans to loans | 0.9008% | 4,381 |
| Net loans and leases to total assets | 77.3708% | 747 |
| Net loans and leases to deposits | 104.7612% | 247 |
| Net loans and leases to core deposits | 120.3777% | 276 |
| Total domestic deposits to total assets | 73.8545% | 6,541 |
| Equity capital to assets | 19.6689% | 237 |
| Core capital (leverage) ratio | 19.3637% | 219 |
| Tier 1 risk-based capital ratio | 31.4827% | 451 |
| Total risk-based capital ratio | 33.0054% | 432 |
| Memoranda: | ||
| Average total assets | $519,647,200 | 1,281 |
| Average earning assets | $491,135,000 | 1,240 |
| Average equity | $99,480,400 | 714 |
| Average total loans | $398,791,600 | 1,047 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 3,809 |
| Cost of funding earning assets | 1.2205% | 638 |
| Net interest margin | 3.2339% | 5,599 |
| Noninterest income to average assets | 1.0411% | 1,396 |
| Noninterest expense to average assets | 2.7489% | 4,178 |
| Loan and lease loss provision to assets | 0.1891% | 3,226 |
| Net operating income to assets | 0.7591% | 3,654 |
| Return on assets (ROA) | 0.7557% | 3,917 |
| Pretax return on assets | 1.1475% | 3,169 |
| Return on Equity (ROE) | 3.9746% | 5,302 |
| Retained earnings to average equity (ytd only) | 3.9746% | 4,085 |
| Net charge-offs to loans | 0.2055% | 3,502 |
| Credit loss provision to net charge-offs | 120.5546% | 2,404 |
| Earnings coverage of net charge-offs (x) | 8.5530% | 2,429 |
| Efficiency ratio | 67.1984% | 4,226 |
| Assets per employee ($millions) | 6.6112% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 5,473 |
| Loan loss allowance to noncurrent loans | 136.3474% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.9257% | 4,430 |
| Noncurrent loans to loans | 0.8510% | 4,713 |
| Net loans and leases to total assets | 74.7641% | 1,137 |
| Net loans and leases to deposits | 98.6459% | 512 |
| Net loans and leases to core deposits | 112.7013% | 474 |
| Total domestic deposits to total assets | 75.7904% | 6,412 |
| Equity capital to assets | 19.2708% | 280 |
| Core capital (leverage) ratio | 19.3665% | 231 |
| Tier 1 risk-based capital ratio | 31.3041% | 470 |
| Total risk-based capital ratio | 32.7514% | 458 |
| Memoranda: | ||
| Average total assets | $520,980,500 | 1,297 |
| Average earning assets | $491,275,750 | 1,256 |
| Average equity | $99,060,500 | 719 |
| Average total loans | $397,804,000 | 1,057 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 3,745 |
| Cost of funding earning assets | 1.2727% | 591 |
| Net interest margin | 3.2330% | 5,636 |
| Noninterest income to average assets | 0.9221% | 1,701 |
| Noninterest expense to average assets | 2.7068% | 4,387 |
| Loan and lease loss provision to assets | 0.1226% | 3,992 |
| Net operating income to assets | 0.7604% | 3,555 |
| Return on assets (ROA) | 0.7581% | 3,837 |
| Pretax return on assets | 1.1384% | 3,155 |
| Return on Equity (ROE) | 4.0048% | 5,261 |
| Retained earnings to average equity (ytd only) | 4.0048% | 3,941 |
| Net charge-offs to loans | 0.2478% | 3,094 |
| Credit loss provision to net charge-offs | 64.5749% | 3,700 |
| Earnings coverage of net charge-offs (x) | 6.6619% | 2,599 |
| Efficiency ratio | 68.1598% | 4,089 |
| Assets per employee ($millions) | 6.6259% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 5,852 |
| Loan loss allowance to noncurrent loans | 65.3295% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.5858% | 3,336 |
| Noncurrent loans to loans | 1.6588% | 3,408 |
| Net loans and leases to total assets | 75.6421% | 1,016 |
| Net loans and leases to deposits | 99.7858% | 428 |
| Net loans and leases to core deposits | 114.1479% | 445 |
| Total domestic deposits to total assets | 75.8045% | 6,487 |
| Equity capital to assets | 19.2753% | 263 |
| Core capital (leverage) ratio | 19.1516% | 235 |
| Tier 1 risk-based capital ratio | 30.7089% | 490 |
| Total risk-based capital ratio | 32.0486% | 477 |
| Memoranda: | ||
| Average total assets | $520,544,670 | 1,302 |
| Average earning assets | $490,938,330 | 1,253 |
| Average equity | $98,531,000 | 727 |
| Average total loans | $398,716,000 | 1,059 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6174% | 3,425 |
| Cost of funding earning assets | 1.3806% | 453 |
| Net interest margin | 3.2368% | 5,678 |
| Noninterest income to average assets | 1.0942% | 1,197 |
| Noninterest expense to average assets | 2.6615% | 4,578 |
| Loan and lease loss provision to assets | 0.2443% | 2,512 |
| Net operating income to assets | 0.8256% | 3,274 |
| Return on assets (ROA) | 0.8231% | 3,509 |
| Pretax return on assets | 1.2435% | 2,751 |
| Return on Equity (ROE) | 4.3883% | 5,102 |
| Retained earnings to average equity (ytd only) | 4.3883% | 3,963 |
| Net charge-offs to loans | 0.0849% | 3,657 |
| Credit loss provision to net charge-offs | 375.2941% | 816 |
| Earnings coverage of net charge-offs (x) | 22.9176% | 1,111 |
| Efficiency ratio | 64.0855% | 4,908 |
| Assets per employee ($millions) | 7.1907% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 5,560 |
| Loan loss allowance to noncurrent loans | 48.4861% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 2.4254% | 2,436 |
| Noncurrent loans to loans | 2.4454% | 2,667 |
| Net loans and leases to total assets | 75.5285% | 859 |
| Net loans and leases to deposits | 102.2389% | 299 |
| Net loans and leases to core deposits | 116.4949% | 372 |
| Total domestic deposits to total assets | 73.8746% | 6,761 |
| Equity capital to assets | 19.0048% | 278 |
| Core capital (leverage) ratio | 18.8725% | 246 |
| Tier 1 risk-based capital ratio | 30.9851% | 491 |
| Total risk-based capital ratio | 32.4797% | 468 |
| Memoranda: | ||
| Average total assets | $522,405,500 | 1,299 |
| Average earning assets | $493,695,000 | 1,248 |
| Average equity | $97,987,000 | 728 |
| Average total loans | $400,464,500 | 1,055 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5749% | 4,772 |
| Cost of funding earning assets | 1.6188% | 439 |
| Net interest margin | 2.9561% | 6,595 |
| Noninterest income to average assets | 0.5188% | 3,728 |
| Noninterest expense to average assets | 2.5887% | 5,138 |
| Loan and lease loss provision to assets | 0.2006% | 4,181 |
| Net operating income to assets | 0.3717% | 4,986 |
| Return on assets (ROA) | 0.3717% | 5,156 |
| Pretax return on assets | 0.5191% | 4,937 |
| Return on Equity (ROE) | 2.1000% | 5,618 |
| Retained earnings to average equity (ytd only) | 2.1000% | 4,718 |
| Net charge-offs to loans | 0.1135% | 5,239 |
| Credit loss provision to net charge-offs | 233.6207% | 1,041 |
| Earnings coverage of net charge-offs (x) | 8.3836% | 2,159 |
| Efficiency ratio | 78.2463% | 2,559 |
| Assets per employee ($millions) | 6.9352% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 5,813 |
| Loan loss allowance to noncurrent loans | 36.2911% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 2.9443% | 2,039 |
| Noncurrent loans to loans | 3.0316% | 2,144 |
| Net loans and leases to total assets | 76.0311% | 949 |
| Net loans and leases to deposits | 105.2206% | 272 |
| Net loans and leases to core deposits | 119.9650% | 355 |
| Total domestic deposits to total assets | 72.2588% | 6,859 |
| Equity capital to assets | 18.5134% | 313 |
| Core capital (leverage) ratio | 17.8427% | 305 |
| Tier 1 risk-based capital ratio | 29.4043% | 546 |
| Total risk-based capital ratio | 30.6555% | 537 |
| Memoranda: | ||
| Average total assets | $540,501,800 | 1,226 |
| Average earning assets | $510,065,800 | 1,182 |
| Average equity | $95,666,600 | 718 |
| Average total loans | $408,763,600 | 1,034 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 4,778 |
| Cost of funding earning assets | 1.6682% | 441 |
| Net interest margin | 2.9543% | 6,662 |
| Noninterest income to average assets | 0.4356% | 4,396 |
| Noninterest expense to average assets | 2.5732% | 5,183 |
| Loan and lease loss provision to assets | 0.2025% | 3,995 |
| Net operating income to assets | 0.3256% | 5,306 |
| Return on assets (ROA) | 0.3256% | 5,472 |
| Pretax return on assets | 0.4486% | 5,319 |
| Return on Equity (ROE) | 1.8601% | 5,825 |
| Retained earnings to average equity (ytd only) | 1.8601% | 5,210 |
| Net charge-offs to loans | 0.0862% | 5,106 |
| Credit loss provision to net charge-offs | 311.6981% | 905 |
| Earnings coverage of net charge-offs (x) | 10.0228% | 1,976 |
| Efficiency ratio | 79.8054% | 2,280 |
| Assets per employee ($millions) | 7.0252% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 5,921 |
| Loan loss allowance to noncurrent loans | 36.2207% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 2.7615% | 2,354 |
| Noncurrent loans to loans | 3.0156% | 2,293 |
| Net loans and leases to total assets | 72.6932% | 1,570 |
| Net loans and leases to deposits | 96.5904% | 667 |
| Net loans and leases to core deposits | 112.3688% | 595 |
| Total domestic deposits to total assets | 75.2592% | 6,610 |
| Equity capital to assets | 17.6258% | 431 |
| Core capital (leverage) ratio | 17.5975% | 361 |
| Tier 1 risk-based capital ratio | 28.2259% | 639 |
| Total risk-based capital ratio | 29.4764% | 629 |
| Memoranda: | ||
| Average total assets | $543,857,750 | 1,218 |
| Average earning assets | $513,367,250 | 1,179 |
| Average equity | $95,188,250 | 724 |
| Average total loans | $409,654,250 | 1,036 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 5,126 |
| Cost of funding earning assets | 1.6987% | 468 |
| Net interest margin | 2.8641% | 6,845 |
| Noninterest income to average assets | 0.3410% | 5,153 |
| Noninterest expense to average assets | 2.5656% | 5,307 |
| Loan and lease loss provision to assets | 0.1489% | 4,450 |
| Net operating income to assets | 0.2595% | 5,519 |
| Return on assets (ROA) | 0.2595% | 5,644 |
| Pretax return on assets | 0.3410% | 5,572 |
| Return on Equity (ROE) | 1.4864% | 5,942 |
| Retained earnings to average equity (ytd only) | 1.4864% | 5,237 |
| Net charge-offs to loans | 0.0476% | 5,180 |
| Credit loss provision to net charge-offs | 412.2449% | 729 |
| Earnings coverage of net charge-offs (x) | 13.5612% | 1,536 |
| Efficiency ratio | 83.9648% | 1,816 |
| Assets per employee ($millions) | 7.0541% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 6,249 |
| Loan loss allowance to noncurrent loans | 23.5954% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 3.5917% | 1,827 |
| Noncurrent loans to loans | 4.3247% | 1,561 |
| Net loans and leases to total assets | 74.0212% | 1,415 |
| Net loans and leases to deposits | 99.3239% | 524 |
| Net loans and leases to core deposits | 116.3905% | 510 |
| Total domestic deposits to total assets | 74.5251% | 6,782 |
| Equity capital to assets | 17.5764% | 419 |
| Core capital (leverage) ratio | 17.5711% | 364 |
| Tier 1 risk-based capital ratio | 28.3987% | 630 |
| Total risk-based capital ratio | 29.6391% | 613 |
| Memoranda: | ||
| Average total assets | $542,487,330 | 1,235 |
| Average earning assets | $514,154,330 | 1,185 |
| Average equity | $94,723,000 | 725 |
| Average total loans | $411,960,670 | 1,041 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5899% | 4,993 |
| Cost of funding earning assets | 1.7432% | 465 |
| Net interest margin | 2.8467% | 6,841 |
| Noninterest income to average assets | 0.3453% | 5,151 |
| Noninterest expense to average assets | 2.6738% | 4,943 |
| Loan and lease loss provision to assets | 0.0207% | 5,692 |
| Net operating income to assets | 0.2686% | 5,544 |
| Return on assets (ROA) | 0.2686% | 5,604 |
| Pretax return on assets | 0.3534% | 5,492 |
| Return on Equity (ROE) | 1.5432% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.5432% | 5,189 |
| Net charge-offs to loans | 0.0694% | 4,234 |
| Credit loss provision to net charge-offs | 38.8889% | 3,974 |
| Earnings coverage of net charge-offs (x) | 7.0417% | 2,010 |
| Efficiency ratio | 87.7269% | 1,549 |
| Assets per employee ($millions) | 6.9311% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 6,633 |
| Loan loss allowance to noncurrent loans | 34.3442% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 2.4083% | 2,827 |
| Noncurrent loans to loans | 2.6949% | 2,802 |
| Net loans and leases to total assets | 75.1225% | 1,160 |
| Net loans and leases to deposits | 102.0522% | 376 |
| Net loans and leases to core deposits | 127.1868% | 304 |
| Total domestic deposits to total assets | 73.6119% | 6,937 |
| Equity capital to assets | 17.5433% | 402 |
| Core capital (leverage) ratio | 17.5611% | 359 |
| Tier 1 risk-based capital ratio | 27.5589% | 664 |
| Total risk-based capital ratio | 28.6647% | 658 |
| Memoranda: | ||
| Average total assets | $542,148,500 | 1,242 |
| Average earning assets | $514,696,000 | 1,195 |
| Average equity | $94,350,000 | 720 |
| Average total loans | $414,840,000 | 1,048 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 4,378 |
| Cost of funding earning assets | 2.0273% | 549 |
| Net interest margin | 3.0098% | 6,716 |
| Noninterest income to average assets | 0.7737% | 2,409 |
| Noninterest expense to average assets | 2.4538% | 5,932 |
| Loan and lease loss provision to assets | 0.4767% | 3,277 |
| Net operating income to assets | 0.4823% | 4,188 |
| Return on assets (ROA) | 0.4503% | 4,477 |
| Pretax return on assets | 0.6270% | 4,235 |
| Return on Equity (ROE) | 2.7060% | 5,089 |
| Retained earnings to average equity (ytd only) | 2.7060% | 3,965 |
| Net charge-offs to loans | 0.3959% | 4,056 |
| Credit loss provision to net charge-offs | 158.2188% | 2,221 |
| Earnings coverage of net charge-offs (x) | 3.8105% | 3,179 |
| Efficiency ratio | 68.1234% | 4,538 |
| Assets per employee ($millions) | 7.1536% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 6,686 |
| Loan loss allowance to noncurrent loans | 38.0414% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 2.2854% | 2,986 |
| Noncurrent loans to loans | 2.4035% | 3,113 |
| Net loans and leases to total assets | 76.5014% | 1,180 |
| Net loans and leases to deposits | 105.9974% | 324 |
| Net loans and leases to core deposits | 123.3731% | 439 |
| Total domestic deposits to total assets | 72.1729% | 7,067 |
| Equity capital to assets | 17.2634% | 427 |
| Core capital (leverage) ratio | 16.9823% | 402 |
| Tier 1 risk-based capital ratio | 27.2349% | 662 |
| Total risk-based capital ratio | 28.3447% | 661 |
| Memoranda: | ||
| Average total assets | $555,219,200 | 1,211 |
| Average earning assets | $521,729,200 | 1,176 |
| Average equity | $92,388,200 | 721 |
| Average total loans | $422,571,600 | 1,057 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1082% | 4,275 |
| Cost of funding earning assets | 2.0651% | 602 |
| Net interest margin | 3.0430% | 6,744 |
| Noninterest income to average assets | 0.6639% | 3,047 |
| Noninterest expense to average assets | 2.3082% | 6,300 |
| Loan and lease loss provision to assets | 0.3378% | 3,904 |
| Net operating income to assets | 0.6099% | 3,840 |
| Return on assets (ROA) | 0.5686% | 4,179 |
| Pretax return on assets | 0.8113% | 3,862 |
| Return on Equity (ROE) | 3.4484% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.4484% | 4,023 |
| Net charge-offs to loans | 0.4596% | 3,454 |
| Credit loss provision to net charge-offs | 96.9157% | 4,470 |
| Earnings coverage of net charge-offs (x) | 3.4661% | 3,436 |
| Efficiency ratio | 65.6430% | 4,934 |
| Assets per employee ($millions) | 7.4759% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6743% | 7,244 |
| Loan loss allowance to noncurrent loans | 36.3039% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 2.7540% | 2,630 |
| Noncurrent loans to loans | 1.8575% | 3,859 |
| Net loans and leases to total assets | 73.0814% | 2,003 |
| Net loans and leases to deposits | 101.4930% | 554 |
| Net loans and leases to core deposits | 119.4866% | 630 |
| Total domestic deposits to total assets | 72.0064% | 7,131 |
| Equity capital to assets | 16.5778% | 578 |
| Core capital (leverage) ratio | 16.7313% | 457 |
| Tier 1 risk-based capital ratio | 27.0416% | 691 |
| Total risk-based capital ratio | 27.8520% | 707 |
| Memoranda: | ||
| Average total assets | $558,105,250 | 1,209 |
| Average earning assets | $523,148,000 | 1,183 |
| Average equity | $92,021,000 | 725 |
| Average total loans | $423,275,250 | 1,066 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0698% | 4,611 |
| Cost of funding earning assets | 2.0933% | 671 |
| Net interest margin | 2.9765% | 6,881 |
| Noninterest income to average assets | 0.5271% | 3,898 |
| Noninterest expense to average assets | 2.2763% | 6,420 |
| Loan and lease loss provision to assets | 0.3061% | 3,937 |
| Net operating income to assets | 0.5693% | 4,000 |
| Return on assets (ROA) | 0.5008% | 4,475 |
| Pretax return on assets | 0.6511% | 4,395 |
| Return on Equity (ROE) | 3.0428% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.0428% | 4,174 |
| Net charge-offs to loans | 0.6484% | 2,600 |
| Credit loss provision to net charge-offs | 61.6110% | 5,177 |
| Earnings coverage of net charge-offs (x) | 2.1060% | 3,971 |
| Efficiency ratio | 68.5113% | 4,476 |
| Assets per employee ($millions) | 7.3491% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5564% | 7,461 |
| Loan loss allowance to noncurrent loans | 17.9408% | 7,030 |
| Noncurrent assets plus other real estate owned to assets | 2.8124% | 2,570 |
| Noncurrent loans to loans | 3.1014% | 2,588 |
| Net loans and leases to total assets | 74.7153% | 1,761 |
| Net loans and leases to deposits | 105.3026% | 428 |
| Net loans and leases to core deposits | 124.1133% | 567 |
| Total domestic deposits to total assets | 70.9529% | 7,265 |
| Equity capital to assets | 16.5318% | 593 |
| Core capital (leverage) ratio | 16.8734% | 456 |
| Tier 1 risk-based capital ratio | 28.8593% | 574 |
| Total risk-based capital ratio | 29.5864% | 594 |
| Memoranda: | ||
| Average total assets | $554,752,000 | 1,226 |
| Average earning assets | $521,007,330 | 1,187 |
| Average equity | $91,298,330 | 721 |
| Average total loans | $425,019,670 | 1,072 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1031% | 4,510 |
| Cost of funding earning assets | 2.1435% | 698 |
| Net interest margin | 2.9595% | 6,922 |
| Noninterest income to average assets | 0.5600% | 3,564 |
| Noninterest expense to average assets | 2.3420% | 6,277 |
| Loan and lease loss provision to assets | 0.5282% | 2,389 |
| Net operating income to assets | 0.3292% | 5,170 |
| Return on assets (ROA) | 0.3292% | 5,297 |
| Pretax return on assets | 0.4609% | 5,084 |
| Return on Equity (ROE) | 2.0049% | 5,759 |
| Retained earnings to average equity (ytd only) | 2.0049% | 4,931 |
| Net charge-offs to loans | 0.3788% | 2,918 |
| Credit loss provision to net charge-offs | 180.2469% | 2,032 |
| Earnings coverage of net charge-offs (x) | 3.3753% | 2,927 |
| Efficiency ratio | 70.3084% | 4,244 |
| Assets per employee ($millions) | 7.0525% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7489% | 7,244 |
| Loan loss allowance to noncurrent loans | 24.6293% | 6,767 |
| Noncurrent assets plus other real estate owned to assets | 2.8299% | 2,562 |
| Noncurrent loans to loans | 3.0407% | 2,638 |
| Net loans and leases to total assets | 76.8278% | 1,361 |
| Net loans and leases to deposits | 109.2661% | 309 |
| Net loans and leases to core deposits | 129.0483% | 514 |
| Total domestic deposits to total assets | 70.3126% | 7,390 |
| Equity capital to assets | 16.5674% | 592 |
| Core capital (leverage) ratio | 16.8731% | 466 |
| Tier 1 risk-based capital ratio | 26.9439% | 711 |
| Total risk-based capital ratio | 27.8764% | 714 |
| Memoranda: | ||
| Average total assets | $552,860,500 | 1,256 |
| Average earning assets | $517,647,500 | 1,223 |
| Average equity | $90,779,500 | 726 |
| Average total loans | $427,706,500 | 1,097 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6294% | 3,449 |
| Cost of funding earning assets | 2.6230% | 728 |
| Net interest margin | 3.0064% | 6,629 |
| Noninterest income to average assets | 0.6201% | 3,486 |
| Noninterest expense to average assets | 2.3394% | 6,637 |
| Loan and lease loss provision to assets | 0.3238% | 4,872 |
| Net operating income to assets | 0.4978% | 3,739 |
| Return on assets (ROA) | 0.5003% | 3,823 |
| Pretax return on assets | 0.7536% | 3,395 |
| Return on Equity (ROE) | 3.2553% | 4,393 |
| Retained earnings to average equity (ytd only) | 3.2553% | 2,880 |
| Net charge-offs to loans | 0.1456% | 5,784 |
| Credit loss provision to net charge-offs | 288.1538% | 1,167 |
| Earnings coverage of net charge-offs (x) | 9.5538% | 1,781 |
| Efficiency ratio | 68.5442% | 4,913 |
| Assets per employee ($millions) | 6.8595% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6667% | 7,443 |
| Loan loss allowance to noncurrent loans | 32.8855% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 3.0134% | 2,322 |
| Noncurrent loans to loans | 2.0273% | 3,611 |
| Net loans and leases to total assets | 76.8024% | 1,628 |
| Net loans and leases to deposits | 109.7344% | 393 |
| Net loans and leases to core deposits | 127.8801% | 1,401 |
| Total domestic deposits to total assets | 69.9894% | 7,428 |
| Equity capital to assets | 16.2740% | 659 |
| Core capital (leverage) ratio | 16.1598% | 595 |
| Tier 1 risk-based capital ratio | 27.8882% | 656 |
| Total risk-based capital ratio | 28.7593% | 656 |
| Memoranda: | ||
| Average total assets | $578,448,200 | 1,199 |
| Average earning assets | $537,355,600 | 1,177 |
| Average equity | $88,901,400 | 724 |
| Average total loans | $446,496,800 | 1,074 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 3,427 |
| Cost of funding earning assets | 2.6742% | 852 |
| Net interest margin | 3.0073% | 6,590 |
| Noninterest income to average assets | 0.7192% | 2,889 |
| Noninterest expense to average assets | 2.2929% | 6,726 |
| Loan and lease loss provision to assets | 0.2383% | 5,058 |
| Net operating income to assets | 0.6418% | 3,445 |
| Return on assets (ROA) | 0.6450% | 3,490 |
| Pretax return on assets | 0.9913% | 2,935 |
| Return on Equity (ROE) | 4.2565% | 4,269 |
| Retained earnings to average equity (ytd only) | 4.2565% | 2,895 |
| Net charge-offs to loans | 0.1515% | 5,198 |
| Credit loss provision to net charge-offs | 203.9063% | 2,185 |
| Earnings coverage of net charge-offs (x) | 10.4785% | 1,961 |
| Efficiency ratio | 65.1872% | 5,516 |
| Assets per employee ($millions) | 6.8639% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5018% | 7,713 |
| Loan loss allowance to noncurrent loans | 20.0925% | 7,086 |
| Noncurrent assets plus other real estate owned to assets | 3.3798% | 1,984 |
| Noncurrent loans to loans | 2.4973% | 3,014 |
| Net loans and leases to total assets | 73.8543% | 2,570 |
| Net loans and leases to deposits | 106.4249% | 630 |
| Net loans and leases to core deposits | 125.2736% | 1,789 |
| Total domestic deposits to total assets | 69.3957% | 7,459 |
| Equity capital to assets | 15.4576% | 896 |
| Core capital (leverage) ratio | 16.1450% | 654 |
| Tier 1 risk-based capital ratio | 27.5833% | 702 |
| Total risk-based capital ratio | 28.2375% | 731 |
| Memoranda: | ||
| Average total assets | $584,154,500 | 1,193 |
| Average earning assets | $543,554,750 | 1,176 |
| Average equity | $88,521,250 | 742 |
| Average total loans | $450,722,000 | 1,084 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7682% | 3,202 |
| Cost of funding earning assets | 2.7285% | 968 |
| Net interest margin | 3.0397% | 6,434 |
| Noninterest income to average assets | 0.9326% | 1,831 |
| Noninterest expense to average assets | 2.3323% | 6,668 |
| Loan and lease loss provision to assets | 0.2639% | 4,466 |
| Net operating income to assets | 0.7700% | 2,970 |
| Return on assets (ROA) | 0.7748% | 3,057 |
| Pretax return on assets | 1.2019% | 2,295 |
| Return on Equity (ROE) | 5.1474% | 4,012 |
| Retained earnings to average equity (ytd only) | 5.1474% | 2,429 |
| Net charge-offs to loans | 0.2243% | 4,092 |
| Credit loss provision to net charge-offs | 150.5859% | 3,056 |
| Earnings coverage of net charge-offs (x) | 8.3223% | 2,279 |
| Efficiency ratio | 61.5294% | 6,310 |
| Assets per employee ($millions) | 6.7153% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4347% | 7,865 |
| Loan loss allowance to noncurrent loans | 17.9195% | 7,239 |
| Noncurrent assets plus other real estate owned to assets | 2.6229% | 2,449 |
| Noncurrent loans to loans | 2.4256% | 2,986 |
| Net loans and leases to total assets | 74.4966% | 2,573 |
| Net loans and leases to deposits | 108.0111% | 652 |
| Net loans and leases to core deposits | 132.2668% | 1,420 |
| Total domestic deposits to total assets | 68.9712% | 7,557 |
| Equity capital to assets | 15.2209% | 981 |
| Core capital (leverage) ratio | 15.5913% | 809 |
| Tier 1 risk-based capital ratio | 28.1571% | 705 |
| Total risk-based capital ratio | 28.7446% | 727 |
| Memoranda: | ||
| Average total assets | $584,394,670 | 1,216 |
| Average earning assets | $549,459,330 | 1,178 |
| Average equity | $87,966,670 | 750 |
| Average total loans | $456,608,000 | 1,093 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7373% | 3,601 |
| Cost of funding earning assets | 2.7424% | 1,133 |
| Net interest margin | 2.9949% | 6,490 |
| Noninterest income to average assets | 0.9787% | 1,552 |
| Noninterest expense to average assets | 2.2995% | 6,545 |
| Loan and lease loss provision to assets | 0.5277% | 2,361 |
| Net operating income to assets | 0.6650% | 3,732 |
| Return on assets (ROA) | 0.6748% | 3,869 |
| Pretax return on assets | 1.0402% | 3,203 |
| Return on Equity (ROE) | 4.5081% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.5081% | 3,423 |
| Net charge-offs to loans | 0.4366% | 2,362 |
| Credit loss provision to net charge-offs | 151.4735% | 2,756 |
| Earnings coverage of net charge-offs (x) | 4.4578% | 2,879 |
| Efficiency ratio | 59.6909% | 6,445 |
| Assets per employee ($millions) | 6.9331% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4137% | 7,928 |
| Loan loss allowance to noncurrent loans | 16.7887% | 7,325 |
| Noncurrent assets plus other real estate owned to assets | 2.4824% | 2,313 |
| Noncurrent loans to loans | 2.4640% | 2,677 |
| Net loans and leases to total assets | 76.8345% | 2,080 |
| Net loans and leases to deposits | 111.7817% | 533 |
| Net loans and leases to core deposits | 139.9480% | 1,103 |
| Total domestic deposits to total assets | 68.7362% | 7,542 |
| Equity capital to assets | 14.7212% | 1,177 |
| Core capital (leverage) ratio | 15.5811% | 851 |
| Tier 1 risk-based capital ratio | 26.0336% | 889 |
| Total risk-based capital ratio | 26.5854% | 919 |
| Memoranda: | ||
| Average total assets | $584,476,500 | 1,221 |
| Average earning assets | $560,824,500 | 1,162 |
| Average equity | $87,487,500 | 759 |
| Average total loans | $466,346,000 | 1,076 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9736% | 5,675 |
| Cost of funding earning assets | 3.3985% | 712 |
| Net interest margin | 2.5752% | 7,668 |
| Noninterest income to average assets | 0.3755% | 5,689 |
| Noninterest expense to average assets | 2.1121% | 7,207 |
| Loan and lease loss provision to assets | 0.0696% | 6,524 |
| Net operating income to assets | 0.4749% | 4,848 |
| Return on assets (ROA) | 0.4715% | 4,682 |
| Pretax return on assets | 0.6629% | 4,511 |
| Return on Equity (ROE) | 3.1637% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.1637% | 3,185 |
| Net charge-offs to loans | 0.0388% | 6,247 |
| Credit loss provision to net charge-offs | 219.4595% | 2,188 |
| Earnings coverage of net charge-offs (x) | 23.2541% | 1,428 |
| Efficiency ratio | 74.1249% | 3,552 |
| Assets per employee ($millions) | 6.8179% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3472% | 8,047 |
| Loan loss allowance to noncurrent loans | 13.7969% | 7,432 |
| Noncurrent assets plus other real estate owned to assets | 2.1989% | 2,223 |
| Noncurrent loans to loans | 2.5164% | 2,163 |
| Net loans and leases to total assets | 82.2455% | 1,182 |
| Net loans and leases to deposits | 127.6429% | 244 |
| Net loans and leases to core deposits | 140.2675% | 1,251 |
| Total domestic deposits to total assets | 64.4340% | 7,761 |
| Equity capital to assets | 15.2260% | 1,107 |
| Core capital (leverage) ratio | 15.1409% | 996 |
| Tier 1 risk-based capital ratio | 25.9179% | 911 |
| Total risk-based capital ratio | 26.3969% | 956 |
| Memoranda: | ||
| Average total assets | $583,507,600 | 1,149 |
| Average earning assets | $560,546,400 | 1,099 |
| Average equity | $86,955,000 | 763 |
| Average total loans | $477,071,400 | 1,013 |