Home > Midwest Heritage Bank, FSB > Performance and Condition Ratios
Midwest Heritage Bank, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0633% | 1,945 |
| Cost of funding earning assets | 1.6572% | 1,547 |
| Net interest margin | 3.4061% | 2,397 |
| Noninterest income to average assets | 4.3900% | 136 |
| Noninterest expense to average assets | 5.3655% | 204 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.5779% | 895 |
| Return on assets (ROA) | 1.5779% | 865 |
| Pretax return on assets | 2.0749% | 604 |
| Return on Equity (ROE) | 14.3600% | 1,411 |
| Retained earnings to average equity (ytd only) | 14.3601% | 373 |
| Net charge-offs to loans | 0.0854% | 1,007 |
| Credit loss provision to net charge-offs | 105.6338% | 1,787 |
| Earnings coverage of net charge-offs (x) | 32.6620% | 1,580 |
| Efficiency ratio | 71.4470% | 1,715 |
| Assets per employee ($millions) | 2.9052% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,230 |
| Loan loss allowance to noncurrent loans | 941.8421% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 2,957 |
| Noncurrent loans to loans | 0.1078% | 2,999 |
| Net loans and leases to total assets | 79.5000% | 699 |
| Net loans and leases to deposits | 109.0542% | 219 |
| Net loans and leases to core deposits | 117.3079% | 706 |
| Total domestic deposits to total assets | 72.9000% | 4,172 |
| Equity capital to assets | 11.7107% | 1,223 |
| Core capital (leverage) ratio | 12.2655% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2429% | 1,464 |
| Memoranda: | ||
| Average total assets | $432,596,000 | 1,909 |
| Average earning assets | $396,380,200 | 1,920 |
| Average equity | $47,534,600 | 1,669 |
| Average total loans | $332,368,200 | 1,675 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9631% | 1,910 |
| Cost of funding earning assets | 1.5056% | 1,588 |
| Net interest margin | 3.4575% | 2,319 |
| Noninterest income to average assets | 4.2700% | 148 |
| Noninterest expense to average assets | 5.3833% | 204 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.5053% | 1,112 |
| Return on assets (ROA) | 1.5053% | 1,102 |
| Pretax return on assets | 1.9789% | 772 |
| Return on Equity (ROE) | 13.9300% | 1,673 |
| Retained earnings to average equity (ytd only) | 13.9327% | 682 |
| Net charge-offs to loans | 0.1063% | 745 |
| Credit loss provision to net charge-offs | 101.5326% | 1,603 |
| Earnings coverage of net charge-offs (x) | 25.5287% | 1,684 |
| Efficiency ratio | 72.3159% | 1,534 |
| Assets per employee ($millions) | 2.8785% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 3,733 |
| Loan loss allowance to noncurrent loans | 639.0397% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 2,842 |
| Noncurrent loans to loans | 0.1409% | 2,844 |
| Net loans and leases to total assets | 77.0200% | 993 |
| Net loans and leases to deposits | 104.9050% | 323 |
| Net loans and leases to core deposits | 112.0176% | 795 |
| Total domestic deposits to total assets | 73.4200% | 4,195 |
| Equity capital to assets | 11.1080% | 1,304 |
| Core capital (leverage) ratio | 11.9567% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2133% | 1,499 |
| Memoranda: | ||
| Average total assets | $431,074,000 | 1,912 |
| Average earning assets | $395,415,000 | 1,922 |
| Average equity | $46,575,000 | 1,680 |
| Average total loans | $327,372,000 | 1,695 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8541% | 1,875 |
| Cost of funding earning assets | 1.2321% | 1,897 |
| Net interest margin | 3.6220% | 1,985 |
| Noninterest income to average assets | 4.1600% | 141 |
| Noninterest expense to average assets | 5.4192% | 198 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.4800% | 1,143 |
| Return on assets (ROA) | 1.4800% | 1,136 |
| Pretax return on assets | 1.9463% | 811 |
| Return on Equity (ROE) | 13.8300% | 1,718 |
| Retained earnings to average equity (ytd only) | 13.8302% | 706 |
| Net charge-offs to loans | 0.0316% | 1,259 |
| Credit loss provision to net charge-offs | 519.6078% | 636 |
| Earnings coverage of net charge-offs (x) | 87.0392% | 1,005 |
| Efficiency ratio | 72.3616% | 1,518 |
| Assets per employee ($millions) | 2.8199% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 3,487 |
| Loan loss allowance to noncurrent loans | 641.3725% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 2,442 |
| Noncurrent loans to loans | 0.1538% | 2,701 |
| Net loans and leases to total assets | 76.5800% | 991 |
| Net loans and leases to deposits | 101.3318% | 460 |
| Net loans and leases to core deposits | 106.7939% | 954 |
| Total domestic deposits to total assets | 75.5800% | 4,076 |
| Equity capital to assets | 11.0973% | 1,349 |
| Core capital (leverage) ratio | 11.6416% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2511% | 1,500 |
| Memoranda: | ||
| Average total assets | $428,922,000 | 1,922 |
| Average earning assets | $393,812,333 | 1,933 |
| Average equity | $45,899,667 | 1,701 |
| Average total loans | $323,149,667 | 1,691 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7096% | 1,823 |
| Cost of funding earning assets | 1.0281% | 1,955 |
| Net interest margin | 3.6815% | 1,942 |
| Noninterest income to average assets | 4.3200% | 140 |
| Noninterest expense to average assets | 5.4322% | 205 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.5466% | 1,087 |
| Return on assets (ROA) | 1.5466% | 1,078 |
| Pretax return on assets | 2.0341% | 727 |
| Return on Equity (ROE) | 14.7200% | 1,620 |
| Retained earnings to average equity (ytd only) | 14.7247% | 843 |
| Net charge-offs to loans | 0.0364% | 1,008 |
| Credit loss provision to net charge-offs | 844.8276% | 398 |
| Earnings coverage of net charge-offs (x) | 83.6897% | 880 |
| Efficiency ratio | 70.5961% | 1,689 |
| Assets per employee ($millions) | 2.9277% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 3,454 |
| Loan loss allowance to noncurrent loans | 1,501.8349% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,274 |
| Noncurrent loans to loans | 0.0677% | 3,248 |
| Net loans and leases to total assets | 74.5700% | 1,129 |
| Net loans and leases to deposits | 89.8599% | 1,062 |
| Net loans and leases to core deposits | 93.1748% | 1,442 |
| Total domestic deposits to total assets | 82.9900% | 3,299 |
| Equity capital to assets | 10.7972% | 1,418 |
| Core capital (leverage) ratio | 11.1780% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0783% | 1,603 |
| Memoranda: | ||
| Average total assets | $429,074,000 | 1,945 |
| Average earning assets | $393,752,500 | 1,954 |
| Average equity | $45,067,000 | 1,740 |
| Average total loans | $318,967,000 | 1,726 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8934% | 2,001 |
| Cost of funding earning assets | 0.5696% | 1,022 |
| Net interest margin | 3.3238% | 2,501 |
| Noninterest income to average assets | 3.5600% | 155 |
| Noninterest expense to average assets | 5.5511% | 185 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.6566% | 3,744 |
| Return on assets (ROA) | 0.6566% | 3,692 |
| Pretax return on assets | 0.9008% | 3,353 |
| Return on Equity (ROE) | 6.0100% | 3,823 |
| Retained earnings to average equity (ytd only) | 3.7509% | 3,479 |
| Net charge-offs to loans | 0.0217% | 1,635 |
| Credit loss provision to net charge-offs | 1,208.4746% | 376 |
| Earnings coverage of net charge-offs (x) | 73.9661% | 1,129 |
| Efficiency ratio | 83.7540% | 501 |
| Assets per employee ($millions) | 2.9500% | 4,535 |
| Cash dividends to net income (ytd only)* | 37.5799% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 3,524 |
| Loan loss allowance to noncurrent loans | 785.8612% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 2,918 |
| Noncurrent loans to loans | 0.1231% | 2,902 |
| Net loans and leases to total assets | 72.6400% | 1,352 |
| Net loans and leases to deposits | 101.0403% | 398 |
| Net loans and leases to core deposits | 103.8185% | 825 |
| Total domestic deposits to total assets | 71.8900% | 4,430 |
| Equity capital to assets | 10.2117% | 1,604 |
| Core capital (leverage) ratio | 11.0928% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8251% | 1,684 |
| Memoranda: | ||
| Average total assets | $405,289,800 | 2,011 |
| Average earning assets | $373,790,800 | 2,013 |
| Average equity | $44,282,600 | 1,780 |
| Average total loans | $272,333,200 | 1,850 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7284% | 1,959 |
| Cost of funding earning assets | 0.3790% | 1,450 |
| Net interest margin | 3.3494% | 2,141 |
| Noninterest income to average assets | 3.2200% | 175 |
| Noninterest expense to average assets | 5.5794% | 185 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.4194% | 4,210 |
| Return on assets (ROA) | 0.4194% | 4,153 |
| Pretax return on assets | 0.6026% | 3,986 |
| Return on Equity (ROE) | 3.7700% | 4,188 |
| Retained earnings to average equity (ytd only) | 0.7665% | 4,252 |
| Net charge-offs to loans | 0.0224% | 1,385 |
| Credit loss provision to net charge-offs | 938.6364% | 423 |
| Earnings coverage of net charge-offs (x) | 50.3636% | 1,281 |
| Efficiency ratio | 88.2813% | 379 |
| Assets per employee ($millions) | 2.8373% | 4,588 |
| Cash dividends to net income (ytd only)* | 79.6813% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 3,688 |
| Loan loss allowance to noncurrent loans | 965.8537% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,197 |
| Noncurrent loans to loans | 0.0984% | 3,176 |
| Net loans and leases to total assets | 70.2400% | 1,460 |
| Net loans and leases to deposits | 89.1532% | 954 |
| Net loans and leases to core deposits | 90.2852% | 1,279 |
| Total domestic deposits to total assets | 78.7900% | 4,195 |
| Equity capital to assets | 10.2574% | 1,484 |
| Core capital (leverage) ratio | 10.9694% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4767% | 1,576 |
| Memoranda: | ||
| Average total assets | $398,936,250 | 2,043 |
| Average earning assets | $368,693,000 | 2,048 |
| Average equity | $44,357,750 | 1,794 |
| Average total loans | $261,439,000 | 1,889 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5785% | 1,907 |
| Cost of funding earning assets | 0.2711% | 2,015 |
| Net interest margin | 3.3074% | 1,886 |
| Noninterest income to average assets | 3.4972% | 134 |
| Noninterest expense to average assets | 5.7050% | 141 |
| Loan and lease loss provision to assets | 0.0699% | 1,363 |
| Net operating income to assets | 0.5953% | 3,637 |
| Return on assets (ROA) | 0.5953% | 3,583 |
| Pretax return on assets | 0.7817% | 3,371 |
| Return on Equity (ROE) | 5.2133% | 3,774 |
| Retained earnings to average equity (ytd only) | 0.7764% | 4,039 |
| Net charge-offs to loans | 0.0326% | 1,077 |
| Credit loss provision to net charge-offs | 336.5854% | 755 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,246 |
| Efficiency ratio | 87.0113% | 537 |
| Assets per employee ($millions) | 2.7095% | 4,652 |
| Cash dividends to net income (ytd only)* | 85.1064% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 3,844 |
| Loan loss allowance to noncurrent loans | 1,168.2243% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 3,397 |
| Noncurrent loans to loans | 0.0802% | 3,380 |
| Net loans and leases to total assets | 64.6096% | 1,841 |
| Net loans and leases to deposits | 75.2819% | 1,740 |
| Net loans and leases to core deposits | 76.2233% | 1,994 |
| Total domestic deposits to total assets | 85.8236% | 3,294 |
| Equity capital to assets | 10.5898% | 1,395 |
| Core capital (leverage) ratio | 10.8885% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6505% | 1,271 |
| Memoranda: | ||
| Average total assets | $394,778,333 | 2,075 |
| Average earning assets | $365,184,333 | 2,082 |
| Average equity | $45,077,000 | 1,828 |
| Average total loans | $251,333,333 | 1,938 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3657% | 2,192 |
| Cost of funding earning assets | 0.2615% | 2,027 |
| Net interest margin | 3.1042% | 2,165 |
| Noninterest income to average assets | 4.3736% | 112 |
| Noninterest expense to average assets | 5.9380% | 126 |
| Loan and lease loss provision to assets | 0.0258% | 1,900 |
| Net operating income to assets | 0.9804% | 1,966 |
| Return on assets (ROA) | 0.9804% | 1,962 |
| Pretax return on assets | 1.2890% | 1,539 |
| Return on Equity (ROE) | 8.2694% | 2,592 |
| Retained earnings to average equity (ytd only) | 8.2694% | 1,497 |
| Net charge-offs to loans | 0.0197% | 1,140 |
| Credit loss provision to net charge-offs | 208.3333% | 764 |
| Earnings coverage of net charge-offs (x) | 106.1667% | 657 |
| Efficiency ratio | 81.8725% | 992 |
| Assets per employee ($millions) | 2.6645% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 3,773 |
| Loan loss allowance to noncurrent loans | 10,066.6667% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 3,948 |
| Noncurrent loans to loans | 0.0098% | 3,945 |
| Net loans and leases to total assets | 57.5115% | 2,352 |
| Net loans and leases to deposits | 65.3359% | 2,401 |
| Net loans and leases to core deposits | 66.1093% | 2,624 |
| Total domestic deposits to total assets | 88.0243% | 2,516 |
| Equity capital to assets | 10.8097% | 1,434 |
| Core capital (leverage) ratio | 10.7106% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5324% | 966 |
| Memoranda: | ||
| Average total assets | $387,602,000 | 2,105 |
| Average earning assets | $359,511,000 | 2,114 |
| Average equity | $45,952,500 | 1,854 |
| Average total loans | $243,581,000 | 1,969 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4464% | 2,812 |
| Cost of funding earning assets | 0.2275% | 3,168 |
| Net interest margin | 3.2189% | 2,559 |
| Noninterest income to average assets | 4.8834% | 114 |
| Noninterest expense to average assets | 5.6121% | 143 |
| Loan and lease loss provision to assets | 0.0097% | 2,888 |
| Net operating income to assets | 1.6852% | 653 |
| Return on assets (ROA) | 1.6852% | 678 |
| Pretax return on assets | 2.2291% | 390 |
| Return on Equity (ROE) | 13.4250% | 1,338 |
| Retained earnings to average equity (ytd only) | 6.8301% | 1,991 |
| Net charge-offs to loans | 0.0374% | 1,503 |
| Credit loss provision to net charge-offs | 38.4615% | 2,204 |
| Earnings coverage of net charge-offs (x) | 89.1538% | 936 |
| Efficiency ratio | 71.2629% | 1,587 |
| Assets per employee ($millions) | 2.4096% | 4,747 |
| Cash dividends to net income (ytd only)* | 49.1240% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 3,787 |
| Loan loss allowance to noncurrent loans | 17,164.2857% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,034 |
| Noncurrent loans to loans | 0.0058% | 4,065 |
| Net loans and leases to total assets | 67.8194% | 1,289 |
| Net loans and leases to deposits | 79.4346% | 1,261 |
| Net loans and leases to core deposits | 80.6708% | 1,544 |
| Total domestic deposits to total assets | 85.3776% | 3,145 |
| Equity capital to assets | 13.0987% | 872 |
| Core capital (leverage) ratio | 12.6053% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7750% | 927 |
| Memoranda: | ||
| Average total assets | $362,392,400 | 2,140 |
| Average earning assets | $334,086,600 | 2,167 |
| Average equity | $45,489,600 | 1,906 |
| Average total loans | $243,566,400 | 1,971 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3952% | 3,115 |
| Cost of funding earning assets | 0.2457% | 3,158 |
| Net interest margin | 3.1495% | 2,897 |
| Noninterest income to average assets | 5.0465% | 111 |
| Noninterest expense to average assets | 5.4673% | 145 |
| Loan and lease loss provision to assets | 0.0129% | 2,737 |
| Net operating income to assets | 1.8644% | 592 |
| Return on assets (ROA) | 1.8644% | 613 |
| Pretax return on assets | 2.4695% | 353 |
| Return on Equity (ROE) | 15.0112% | 1,137 |
| Retained earnings to average equity (ytd only) | 9.1199% | 1,654 |
| Net charge-offs to loans | 0.0252% | 1,539 |
| Credit loss provision to net charge-offs | 76.0870% | 1,732 |
| Earnings coverage of net charge-offs (x) | 147.5000% | 687 |
| Efficiency ratio | 68.4845% | 1,763 |
| Assets per employee ($millions) | 2.3554% | 4,823 |
| Cash dividends to net income (ytd only)* | 39.2465% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 3,890 |
| Loan loss allowance to noncurrent loans | 4,013.1148% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 4,094 |
| Noncurrent loans to loans | 0.0246% | 4,021 |
| Net loans and leases to total assets | 68.1304% | 1,306 |
| Net loans and leases to deposits | 79.8618% | 1,307 |
| Net loans and leases to core deposits | 81.3666% | 1,625 |
| Total domestic deposits to total assets | 85.3104% | 3,014 |
| Equity capital to assets | 12.9300% | 999 |
| Core capital (leverage) ratio | 12.5042% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0241% | 949 |
| Memoranda: | ||
| Average total assets | $364,438,000 | 2,149 |
| Average earning assets | $335,917,500 | 2,175 |
| Average equity | $45,262,750 | 1,936 |
| Average total loans | $243,801,500 | 1,994 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3322% | 3,352 |
| Cost of funding earning assets | 0.2559% | 3,234 |
| Net interest margin | 3.0763% | 3,097 |
| Noninterest income to average assets | 5.3041% | 107 |
| Noninterest expense to average assets | 5.2866% | 161 |
| Loan and lease loss provision to assets | 0.0191% | 2,574 |
| Net operating income to assets | 2.1679% | 360 |
| Return on assets (ROA) | 2.1679% | 380 |
| Pretax return on assets | 2.8317% | 225 |
| Return on Equity (ROE) | 17.6938% | 689 |
| Retained earnings to average equity (ytd only) | 8.7688% | 1,795 |
| Net charge-offs to loans | 0.0429% | 1,208 |
| Credit loss provision to net charge-offs | 67.3077% | 1,532 |
| Earnings coverage of net charge-offs (x) | 100.2692% | 751 |
| Efficiency ratio | 64.5502% | 2,353 |
| Assets per employee ($millions) | 2.7474% | 4,822 |
| Cash dividends to net income (ytd only)* | 50.4414% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,809 |
| Loan loss allowance to noncurrent loans | 3,345.2055% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 4,149 |
| Noncurrent loans to loans | 0.0300% | 4,058 |
| Net loans and leases to total assets | 65.4585% | 1,758 |
| Net loans and leases to deposits | 75.9300% | 1,827 |
| Net loans and leases to core deposits | 77.3912% | 2,103 |
| Total domestic deposits to total assets | 86.2089% | 2,658 |
| Equity capital to assets | 12.3591% | 1,198 |
| Core capital (leverage) ratio | 11.6184% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9523% | 971 |
| Memoranda: | ||
| Average total assets | $365,791,333 | 2,133 |
| Average earning assets | $336,898,333 | 2,154 |
| Average equity | $44,818,000 | 1,939 |
| Average total loans | $242,410,333 | 2,011 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2468% | 3,588 |
| Cost of funding earning assets | 0.2630% | 3,348 |
| Net interest margin | 2.9838% | 3,301 |
| Noninterest income to average assets | 4.7086% | 126 |
| Noninterest expense to average assets | 5.1814% | 162 |
| Loan and lease loss provision to assets | 0.0384% | 2,263 |
| Net operating income to assets | 1.7059% | 925 |
| Return on assets (ROA) | 1.7059% | 977 |
| Pretax return on assets | 2.2270% | 658 |
| Return on Equity (ROE) | 13.9848% | 1,430 |
| Retained earnings to average equity (ytd only) | 13.9848% | 757 |
| Net charge-offs to loans | 0.0744% | 826 |
| Credit loss provision to net charge-offs | 77.7778% | 1,218 |
| Earnings coverage of net charge-offs (x) | 45.8889% | 933 |
| Efficiency ratio | 69.0189% | 1,811 |
| Assets per employee ($millions) | 3.1210% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,762 |
| Loan loss allowance to noncurrent loans | 574.8826% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 3,644 |
| Noncurrent loans to loans | 0.1777% | 3,469 |
| Net loans and leases to total assets | 59.3827% | 2,621 |
| Net loans and leases to deposits | 68.2181% | 2,680 |
| Net loans and leases to core deposits | 69.7796% | 2,885 |
| Total domestic deposits to total assets | 87.0483% | 2,294 |
| Equity capital to assets | 11.2983% | 1,661 |
| Core capital (leverage) ratio | 10.9627% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1859% | 897 |
| Memoranda: | ||
| Average total assets | $364,611,500 | 2,124 |
| Average earning assets | $334,603,500 | 2,152 |
| Average equity | $44,477,000 | 1,935 |
| Average total loans | $241,901,500 | 2,014 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1979% | 2,144 |
| Cost of funding earning assets | 0.3198% | 4,029 |
| Net interest margin | 3.8781% | 1,281 |
| Noninterest income to average assets | 5.1905% | 111 |
| Noninterest expense to average assets | 5.5469% | 153 |
| Loan and lease loss provision to assets | 0.0729% | 3,476 |
| Net operating income to assets | 2.3963% | 150 |
| Return on assets (ROA) | 2.4038% | 157 |
| Pretax return on assets | 3.1324% | 114 |
| Return on Equity (ROE) | 18.1819% | 324 |
| Retained earnings to average equity (ytd only) | 13.2804% | 224 |
| Net charge-offs to loans | -0.0159% | 4,369 |
| Credit loss provision to net charge-offs | -625.0000% | 3,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8891% | 2,997 |
| Assets per employee ($millions) | 2.7708% | 4,860 |
| Cash dividends to net income (ytd only)* | 26.9578% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 3,838 |
| Loan loss allowance to noncurrent loans | 555.0790% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 3,613 |
| Noncurrent loans to loans | 0.1815% | 3,565 |
| Net loans and leases to total assets | 73.2919% | 1,116 |
| Net loans and leases to deposits | 88.6184% | 1,031 |
| Net loans and leases to core deposits | 91.2850% | 1,439 |
| Total domestic deposits to total assets | 82.7050% | 3,491 |
| Equity capital to assets | 13.2890% | 1,005 |
| Core capital (leverage) ratio | 13.0921% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6654% | 954 |
| Memoranda: | ||
| Average total assets | $308,641,200 | 2,250 |
| Average earning assets | $282,713,000 | 2,274 |
| Average equity | $40,804,400 | 1,996 |
| Average total loans | $226,098,200 | 2,063 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 2,223 |
| Cost of funding earning assets | 0.3433% | 4,097 |
| Net interest margin | 3.9174% | 1,312 |
| Noninterest income to average assets | 4.9153% | 114 |
| Noninterest expense to average assets | 5.4871% | 156 |
| Loan and lease loss provision to assets | 0.0989% | 3,090 |
| Net operating income to assets | 2.2507% | 189 |
| Return on assets (ROA) | 2.2608% | 198 |
| Pretax return on assets | 2.9433% | 125 |
| Return on Equity (ROE) | 17.1244% | 436 |
| Retained earnings to average equity (ytd only) | 10.4664% | 678 |
| Net charge-offs to loans | 0.0319% | 2,191 |
| Credit loss provision to net charge-offs | 424.5283% | 1,415 |
| Earnings coverage of net charge-offs (x) | 130.0566% | 662 |
| Efficiency ratio | 63.8508% | 2,761 |
| Assets per employee ($millions) | 2.5681% | 4,915 |
| Cash dividends to net income (ytd only)* | 38.8802% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,605 |
| Loan loss allowance to noncurrent loans | 288.6724% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 3,122 |
| Noncurrent loans to loans | 0.3539% | 3,022 |
| Net loans and leases to total assets | 73.8935% | 1,381 |
| Net loans and leases to deposits | 87.8928% | 1,498 |
| Net loans and leases to core deposits | 90.5627% | 1,924 |
| Total domestic deposits to total assets | 84.0724% | 2,792 |
| Equity capital to assets | 13.7075% | 940 |
| Core capital (leverage) ratio | 12.7613% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5000% | 840 |
| Memoranda: | ||
| Average total assets | $303,368,750 | 2,262 |
| Average earning assets | $278,888,750 | 2,281 |
| Average equity | $40,051,000 | 2,017 |
| Average total loans | $221,591,500 | 2,094 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 2,302 |
| Cost of funding earning assets | 0.3792% | 4,131 |
| Net interest margin | 3.9859% | 1,361 |
| Noninterest income to average assets | 4.8705% | 106 |
| Noninterest expense to average assets | 5.3903% | 165 |
| Loan and lease loss provision to assets | 0.1495% | 2,510 |
| Net operating income to assets | 2.2958% | 190 |
| Return on assets (ROA) | 2.3110% | 204 |
| Pretax return on assets | 3.0042% | 115 |
| Return on Equity (ROE) | 17.7384% | 391 |
| Retained earnings to average equity (ytd only) | 7.5351% | 1,448 |
| Net charge-offs to loans | 0.0440% | 1,866 |
| Credit loss provision to net charge-offs | 468.7500% | 1,281 |
| Earnings coverage of net charge-offs (x) | 98.2500% | 707 |
| Efficiency ratio | 62.6462% | 3,017 |
| Assets per employee ($millions) | 2.8336% | 4,897 |
| Cash dividends to net income (ytd only)* | 57.5209% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 3,321 |
| Loan loss allowance to noncurrent loans | 244.0904% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 3,114 |
| Noncurrent loans to loans | 0.4303% | 2,876 |
| Net loans and leases to total assets | 68.6638% | 2,236 |
| Net loans and leases to deposits | 80.6966% | 2,351 |
| Net loans and leases to core deposits | 82.9961% | 2,691 |
| Total domestic deposits to total assets | 85.0888% | 2,357 |
| Equity capital to assets | 12.5666% | 1,349 |
| Core capital (leverage) ratio | 12.6087% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2189% | 880 |
| Memoranda: | ||
| Average total assets | $300,910,667 | 2,248 |
| Average earning assets | $275,872,333 | 2,276 |
| Average equity | $39,203,000 | 2,029 |
| Average total loans | $218,125,667 | 2,098 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6189% | 1,947 |
| Cost of funding earning assets | 0.4608% | 4,111 |
| Net interest margin | 4.1581% | 1,007 |
| Noninterest income to average assets | 2.6418% | 180 |
| Noninterest expense to average assets | 5.7510% | 163 |
| Loan and lease loss provision to assets | 0.0555% | 3,069 |
| Net operating income to assets | 0.5119% | 3,862 |
| Return on assets (ROA) | 0.5381% | 3,842 |
| Pretax return on assets | 0.6587% | 3,797 |
| Return on Equity (ROE) | 4.0491% | 3,935 |
| Retained earnings to average equity (ytd only) | -16.8226% | 4,922 |
| Net charge-offs to loans | 0.0299% | 1,783 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 30.7500% | 1,165 |
| Efficiency ratio | 88.5751% | 557 |
| Assets per employee ($millions) | 2.3662% | 4,984 |
| Cash dividends to net income (ytd only)* | 515.4639% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,462 |
| Loan loss allowance to noncurrent loans | 174.4113% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 2,628 |
| Noncurrent loans to loans | 0.6000% | 2,494 |
| Net loans and leases to total assets | 72.1891% | 1,892 |
| Net loans and leases to deposits | 84.8927% | 2,117 |
| Net loans and leases to core deposits | 86.3419% | 2,650 |
| Total domestic deposits to total assets | 85.0358% | 2,399 |
| Equity capital to assets | 12.9374% | 1,458 |
| Core capital (leverage) ratio | 11.8763% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2450% | 1,288 |
| Memoranda: | ||
| Average total assets | $288,434,500 | 2,273 |
| Average earning assets | $263,005,500 | 2,304 |
| Average equity | $38,329,500 | 2,052 |
| Average total loans | $214,126,000 | 2,089 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5248% | 2,863 |
| Cost of funding earning assets | 0.6342% | 3,492 |
| Net interest margin | 3.8906% | 2,212 |
| Noninterest income to average assets | 5.2285% | 93 |
| Noninterest expense to average assets | 6.0273% | 139 |
| Loan and lease loss provision to assets | 0.1856% | 1,112 |
| Net operating income to assets | 1.9790% | 375 |
| Return on assets (ROA) | 1.9753% | 389 |
| Pretax return on assets | 2.5810% | 179 |
| Return on Equity (ROE) | 14.8475% | 717 |
| Retained earnings to average equity (ytd only) | 9.4405% | 604 |
| Net charge-offs to loans | 0.1881% | 1,076 |
| Credit loss provision to net charge-offs | 132.6478% | 1,921 |
| Earnings coverage of net charge-offs (x) | 19.8072% | 1,975 |
| Efficiency ratio | 67.8903% | 2,481 |
| Assets per employee ($millions) | 2.6223% | 4,964 |
| Cash dividends to net income (ytd only)* | 36.4166% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 3,396 |
| Loan loss allowance to noncurrent loans | 207.9470% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 2,832 |
| Noncurrent loans to loans | 0.4895% | 2,718 |
| Net loans and leases to total assets | 74.7764% | 1,620 |
| Net loans and leases to deposits | 101.0840% | 522 |
| Net loans and leases to core deposits | 105.6834% | 1,127 |
| Total domestic deposits to total assets | 73.9746% | 4,772 |
| Equity capital to assets | 13.6467% | 1,227 |
| Core capital (leverage) ratio | 13.3150% | 1,109 |
| Tier 1 risk-based capital ratio | 17.0331% | 2,041 |
| Total risk-based capital ratio | 18.0297% | 2,067 |
| Memoranda: | ||
| Average total assets | $278,033,600 | 2,280 |
| Average earning assets | $255,126,000 | 2,300 |
| Average equity | $36,989,400 | 2,053 |
| Average total loans | $206,761,800 | 2,114 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4820% | 3,117 |
| Cost of funding earning assets | 0.6118% | 3,638 |
| Net interest margin | 3.8702% | 2,365 |
| Noninterest income to average assets | 5.2596% | 93 |
| Noninterest expense to average assets | 5.9970% | 139 |
| Loan and lease loss provision to assets | 0.2492% | 658 |
| Net operating income to assets | 1.9651% | 424 |
| Return on assets (ROA) | 1.9655% | 443 |
| Pretax return on assets | 2.5697% | 217 |
| Return on Equity (ROE) | 14.8732% | 803 |
| Retained earnings to average equity (ytd only) | 7.5645% | 1,593 |
| Net charge-offs to loans | 0.2152% | 823 |
| Credit loss provision to net charge-offs | 156.3636% | 1,584 |
| Earnings coverage of net charge-offs (x) | 17.6848% | 2,080 |
| Efficiency ratio | 67.4099% | 2,513 |
| Assets per employee ($millions) | 2.6132% | 5,044 |
| Cash dividends to net income (ytd only)* | 49.1401% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 3,147 |
| Loan loss allowance to noncurrent loans | 223.6868% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 2,706 |
| Noncurrent loans to loans | 0.4809% | 2,855 |
| Net loans and leases to total assets | 72.8641% | 2,027 |
| Net loans and leases to deposits | 97.7234% | 849 |
| Net loans and leases to core deposits | 101.1280% | 1,572 |
| Total domestic deposits to total assets | 74.5615% | 4,779 |
| Equity capital to assets | 13.2011% | 1,510 |
| Core capital (leverage) ratio | 13.1209% | 1,296 |
| Tier 1 risk-based capital ratio | 16.9050% | 2,114 |
| Total risk-based capital ratio | 17.9616% | 2,118 |
| Memoranda: | ||
| Average total assets | $276,085,000 | 2,313 |
| Average earning assets | $253,660,750 | 2,330 |
| Average equity | $36,485,250 | 2,085 |
| Average total loans | $204,469,750 | 2,147 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 3,220 |
| Cost of funding earning assets | 0.5694% | 3,794 |
| Net interest margin | 3.8683% | 2,348 |
| Noninterest income to average assets | 5.5475% | 88 |
| Noninterest expense to average assets | 6.0015% | 142 |
| Loan and lease loss provision to assets | 0.3778% | 330 |
| Net operating income to assets | 2.0890% | 335 |
| Return on assets (ROA) | 2.0896% | 347 |
| Pretax return on assets | 2.7353% | 168 |
| Return on Equity (ROE) | 15.8059% | 624 |
| Retained earnings to average equity (ytd only) | 4.7296% | 2,899 |
| Net charge-offs to loans | 0.2605% | 641 |
| Credit loss provision to net charge-offs | 195.4545% | 1,243 |
| Earnings coverage of net charge-offs (x) | 16.1023% | 1,950 |
| Efficiency ratio | 65.2474% | 2,933 |
| Assets per employee ($millions) | 2.2495% | 5,177 |
| Cash dividends to net income (ytd only)* | 70.0771% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 2,988 |
| Loan loss allowance to noncurrent loans | 113.1515% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 1,395 |
| Noncurrent loans to loans | 0.9861% | 1,657 |
| Net loans and leases to total assets | 74.4054% | 1,821 |
| Net loans and leases to deposits | 93.4052% | 1,322 |
| Net loans and leases to core deposits | 96.1789% | 2,051 |
| Total domestic deposits to total assets | 79.6587% | 4,103 |
| Equity capital to assets | 13.1407% | 1,520 |
| Core capital (leverage) ratio | 13.1225% | 1,246 |
| Tier 1 risk-based capital ratio | 16.6360% | 2,193 |
| Total risk-based capital ratio | 17.7447% | 2,185 |
| Memoranda: | ||
| Average total assets | $273,166,670 | 2,341 |
| Average earning assets | $251,839,330 | 2,350 |
| Average equity | $36,113,000 | 2,096 |
| Average total loans | $202,692,000 | 2,168 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 2,879 |
| Cost of funding earning assets | 0.5362% | 3,887 |
| Net interest margin | 3.9608% | 1,985 |
| Noninterest income to average assets | 6.0131% | 78 |
| Noninterest expense to average assets | 5.9792% | 143 |
| Loan and lease loss provision to assets | 0.4731% | 229 |
| Net operating income to assets | 2.4674% | 170 |
| Return on assets (ROA) | 2.4686% | 180 |
| Pretax return on assets | 3.2202% | 108 |
| Return on Equity (ROE) | 18.6160% | 349 |
| Retained earnings to average equity (ytd only) | 18.6160% | 126 |
| Net charge-offs to loans | 0.5181% | 283 |
| Credit loss provision to net charge-offs | 123.9382% | 1,397 |
| Earnings coverage of net charge-offs (x) | 9.6718% | 2,007 |
| Efficiency ratio | 61.2466% | 3,644 |
| Assets per employee ($millions) | 2.4387% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 3,216 |
| Loan loss allowance to noncurrent loans | 115.4846% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9450% | 1,486 |
| Noncurrent loans to loans | 0.9383% | 1,788 |
| Net loans and leases to total assets | 71.9260% | 2,177 |
| Net loans and leases to deposits | 84.4259% | 2,336 |
| Net loans and leases to core deposits | 84.9745% | 2,956 |
| Total domestic deposits to total assets | 85.1943% | 2,603 |
| Equity capital to assets | 13.6473% | 1,158 |
| Core capital (leverage) ratio | 12.4982% | 1,514 |
| Tier 1 risk-based capital ratio | 18.1466% | 1,759 |
| Total risk-based capital ratio | 19.2326% | 1,759 |
| Memoranda: | ||
| Average total assets | $271,408,500 | 2,369 |
| Average earning assets | $250,659,500 | 2,377 |
| Average equity | $35,990,500 | 2,097 |
| Average total loans | $199,943,000 | 2,213 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 2,937 |
| Cost of funding earning assets | 0.5885% | 2,799 |
| Net interest margin | 3.7591% | 2,830 |
| Noninterest income to average assets | 4.7661% | 98 |
| Noninterest expense to average assets | 5.5373% | 154 |
| Loan and lease loss provision to assets | 0.0934% | 2,282 |
| Net operating income to assets | 2.0323% | 340 |
| Return on assets (ROA) | 2.0329% | 337 |
| Pretax return on assets | 2.6365% | 163 |
| Return on Equity (ROE) | 16.8465% | 508 |
| Retained earnings to average equity (ytd only) | 13.7740% | 181 |
| Net charge-offs to loans | 0.1679% | 1,145 |
| Credit loss provision to net charge-offs | 74.1176% | 2,936 |
| Earnings coverage of net charge-offs (x) | 21.6500% | 1,934 |
| Efficiency ratio | 66.3123% | 2,825 |
| Assets per employee ($millions) | 2.2867% | 5,269 |
| Cash dividends to net income (ytd only)* | 18.2382% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 3,564 |
| Loan loss allowance to noncurrent loans | 70.5862% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.1513% | 1,149 |
| Noncurrent loans to loans | 1.4450% | 1,070 |
| Net loans and leases to total assets | 73.8573% | 1,963 |
| Net loans and leases to deposits | 94.2793% | 1,248 |
| Net loans and leases to core deposits | 98.3855% | 1,843 |
| Total domestic deposits to total assets | 78.3388% | 4,434 |
| Equity capital to assets | 12.8760% | 1,402 |
| Core capital (leverage) ratio | 12.7694% | 1,331 |
| Tier 1 risk-based capital ratio | 17.1354% | 2,021 |
| Total risk-based capital ratio | 18.1814% | 2,038 |
| Memoranda: | ||
| Average total assets | $269,716,000 | 2,336 |
| Average earning assets | $251,152,400 | 2,329 |
| Average equity | $32,546,800 | 2,185 |
| Average total loans | $202,522,400 | 2,155 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 2,834 |
| Cost of funding earning assets | 0.5137% | 3,104 |
| Net interest margin | 3.8203% | 2,568 |
| Noninterest income to average assets | 4.0423% | 116 |
| Noninterest expense to average assets | 5.4677% | 157 |
| Loan and lease loss provision to assets | 0.1140% | 1,781 |
| Net operating income to assets | 1.5678% | 1,032 |
| Return on assets (ROA) | 1.5686% | 1,032 |
| Pretax return on assets | 2.0249% | 587 |
| Return on Equity (ROE) | 13.2227% | 1,349 |
| Retained earnings to average equity (ytd only) | 9.0463% | 1,197 |
| Net charge-offs to loans | 0.1061% | 1,428 |
| Credit loss provision to net charge-offs | 142.8571% | 1,770 |
| Earnings coverage of net charge-offs (x) | 26.8014% | 1,731 |
| Efficiency ratio | 71.1550% | 2,013 |
| Assets per employee ($millions) | 2.2903% | 5,338 |
| Cash dividends to net income (ytd only)* | 31.5856% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,251 |
| Loan loss allowance to noncurrent loans | 88.1678% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.9512% | 1,539 |
| Noncurrent loans to loans | 1.2359% | 1,361 |
| Net loans and leases to total assets | 76.1202% | 1,644 |
| Net loans and leases to deposits | 95.9005% | 1,167 |
| Net loans and leases to core deposits | 100.1198% | 1,786 |
| Total domestic deposits to total assets | 79.3741% | 4,239 |
| Equity capital to assets | 12.2518% | 1,739 |
| Core capital (leverage) ratio | 12.1039% | 1,722 |
| Tier 1 risk-based capital ratio | 15.8072% | 2,525 |
| Total risk-based capital ratio | 16.9226% | 2,519 |
| Memoranda: | ||
| Average total assets | $269,115,500 | 2,348 |
| Average earning assets | $251,000,500 | 2,344 |
| Average equity | $31,924,000 | 2,221 |
| Average total loans | $202,390,500 | 2,164 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 2,850 |
| Cost of funding earning assets | 0.4437% | 3,393 |
| Net interest margin | 3.8321% | 2,443 |
| Noninterest income to average assets | 4.0797% | 114 |
| Noninterest expense to average assets | 5.5065% | 167 |
| Loan and lease loss provision to assets | 0.0370% | 3,171 |
| Net operating income to assets | 1.6680% | 775 |
| Return on assets (ROA) | 1.6680% | 785 |
| Pretax return on assets | 2.1150% | 474 |
| Return on Equity (ROE) | 14.2139% | 1,032 |
| Retained earnings to average equity (ytd only) | 14.2139% | 259 |
| Net charge-offs to loans | 0.1507% | 1,024 |
| Credit loss provision to net charge-offs | 32.8947% | 2,613 |
| Earnings coverage of net charge-offs (x) | 19.1316% | 1,862 |
| Efficiency ratio | 71.1760% | 2,130 |
| Assets per employee ($millions) | 2.2501% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,820 |
| Loan loss allowance to noncurrent loans | 179.3374% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 2,996 |
| Noncurrent loans to loans | 0.5594% | 2,740 |
| Net loans and leases to total assets | 76.4514% | 1,567 |
| Net loans and leases to deposits | 94.3795% | 1,313 |
| Net loans and leases to core deposits | 95.4365% | 2,109 |
| Total domestic deposits to total assets | 81.0042% | 3,999 |
| Equity capital to assets | 12.3447% | 1,635 |
| Core capital (leverage) ratio | 12.2615% | 1,561 |
| Tier 1 risk-based capital ratio | 15.7541% | 2,534 |
| Total risk-based capital ratio | 16.7788% | 2,570 |
| Memoranda: | ||
| Average total assets | $270,262,000 | 2,350 |
| Average earning assets | $252,394,670 | 2,340 |
| Average equity | $31,715,330 | 2,242 |
| Average total loans | $201,700,330 | 2,170 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 3,095 |
| Cost of funding earning assets | 0.4187% | 3,458 |
| Net interest margin | 3.7193% | 2,731 |
| Noninterest income to average assets | 4.1153% | 118 |
| Noninterest expense to average assets | 5.4504% | 174 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7400% | 628 |
| Return on assets (ROA) | 1.7400% | 639 |
| Pretax return on assets | 2.1450% | 420 |
| Return on Equity (ROE) | 15.2124% | 770 |
| Retained earnings to average equity (ytd only) | 15.2124% | 313 |
| Net charge-offs to loans | -0.0060% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0257% | 2,334 |
| Assets per employee ($millions) | 2.4489% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 3,466 |
| Loan loss allowance to noncurrent loans | 229.0254% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 3,507 |
| Noncurrent loans to loans | 0.4748% | 3,100 |
| Net loans and leases to total assets | 69.2319% | 2,598 |
| Net loans and leases to deposits | 79.0103% | 2,916 |
| Net loans and leases to core deposits | 85.0967% | 2,882 |
| Total domestic deposits to total assets | 87.6238% | 1,837 |
| Equity capital to assets | 11.1543% | 2,428 |
| Core capital (leverage) ratio | 11.1518% | 2,276 |
| Tier 1 risk-based capital ratio | 15.8892% | 2,522 |
| Total risk-based capital ratio | 17.0144% | 2,521 |
| Memoranda: | ||
| Average total assets | $272,640,000 | 2,350 |
| Average earning assets | $255,099,000 | 2,332 |
| Average equity | $31,185,000 | 2,289 |
| Average total loans | $200,030,500 | 2,198 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 2,651 |
| Cost of funding earning assets | 0.3413% | 3,787 |
| Net interest margin | 3.8690% | 2,187 |
| Noninterest income to average assets | 4.5200% | 119 |
| Noninterest expense to average assets | 5.8376% | 153 |
| Loan and lease loss provision to assets | 0.1630% | 1,365 |
| Net operating income to assets | 1.4242% | 965 |
| Return on assets (ROA) | 1.4234% | 986 |
| Pretax return on assets | 2.1145% | 381 |
| Return on Equity (ROE) | 12.0141% | 1,207 |
| Retained earnings to average equity (ytd only) | 5.3023% | 1,929 |
| Net charge-offs to loans | 0.0102% | 3,728 |
| Credit loss provision to net charge-offs | 2,157.8947% | 181 |
| Earnings coverage of net charge-offs (x) | 301.6316% | 289 |
| Efficiency ratio | 71.1899% | 2,360 |
| Assets per employee ($millions) | 2.1237% | 5,552 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 3,490 |
| Loan loss allowance to noncurrent loans | 490.6818% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 4,294 |
| Noncurrent loans to loans | 0.2187% | 4,033 |
| Net loans and leases to total assets | 76.2119% | 1,553 |
| Net loans and leases to deposits | 101.0995% | 649 |
| Net loans and leases to core deposits | 104.1618% | 1,405 |
| Total domestic deposits to total assets | 75.3830% | 5,046 |
| Equity capital to assets | 11.7469% | 2,004 |
| Core capital (leverage) ratio | 11.7170% | 1,782 |
| Tier 1 risk-based capital ratio | 15.0770% | 2,813 |
| Total risk-based capital ratio | 16.1728% | 2,815 |
| Memoranda: | ||
| Average total assets | $251,507,000 | 2,482 |
| Average earning assets | $233,780,000 | 2,468 |
| Average equity | $29,798,400 | 2,369 |
| Average total loans | $187,114,400 | 2,264 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 2,809 |
| Cost of funding earning assets | 0.2930% | 4,199 |
| Net interest margin | 3.8532% | 2,207 |
| Noninterest income to average assets | 4.6634% | 123 |
| Noninterest expense to average assets | 5.8614% | 160 |
| Loan and lease loss provision to assets | 0.1927% | 998 |
| Net operating income to assets | 1.3720% | 1,153 |
| Return on assets (ROA) | 1.3730% | 1,166 |
| Pretax return on assets | 2.1936% | 370 |
| Return on Equity (ROE) | 11.5627% | 1,469 |
| Retained earnings to average equity (ytd only) | 2.5469% | 4,365 |
| Net charge-offs to loans | 0.0131% | 3,268 |
| Credit loss provision to net charge-offs | 2,000.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 247.4938% | 358 |
| Efficiency ratio | 70.3473% | 2,483 |
| Assets per employee ($millions) | 2.1545% | 5,606 |
| Cash dividends to net income (ytd only)* | 77.9728% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,567 |
| Loan loss allowance to noncurrent loans | 534.1772% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 4,478 |
| Noncurrent loans to loans | 0.2035% | 4,267 |
| Net loans and leases to total assets | 76.8160% | 1,448 |
| Net loans and leases to deposits | 96.5689% | 1,056 |
| Net loans and leases to core deposits | 99.3588% | 1,762 |
| Total domestic deposits to total assets | 79.5452% | 4,423 |
| Equity capital to assets | 11.9425% | 2,005 |
| Core capital (leverage) ratio | 11.2322% | 2,241 |
| Tier 1 risk-based capital ratio | 14.5900% | 3,136 |
| Total risk-based capital ratio | 15.7142% | 3,116 |
| Memoranda: | ||
| Average total assets | $249,081,250 | 2,513 |
| Average earning assets | $231,595,750 | 2,499 |
| Average equity | $29,577,000 | 2,404 |
| Average total loans | $183,585,000 | 2,303 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,003 |
| Cost of funding earning assets | 0.2656% | 4,412 |
| Net interest margin | 3.7873% | 2,335 |
| Noninterest income to average assets | 4.9260% | 116 |
| Noninterest expense to average assets | 5.8247% | 163 |
| Loan and lease loss provision to assets | 0.1889% | 992 |
| Net operating income to assets | 1.5343% | 806 |
| Return on assets (ROA) | 1.5354% | 827 |
| Pretax return on assets | 2.4325% | 237 |
| Return on Equity (ROE) | 12.9549% | 1,046 |
| Retained earnings to average equity (ytd only) | -0.6104% | 5,172 |
| Net charge-offs to loans | -0.0011% | 4,141 |
| Credit loss provision to net charge-offs | -23,500.0000% | 5,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2627% | 2,959 |
| Assets per employee ($millions) | 2.0886% | 5,660 |
| Cash dividends to net income (ytd only)* | 104.7120% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,720 |
| Loan loss allowance to noncurrent loans | 878.5088% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 4,818 |
| Noncurrent loans to loans | 0.1222% | 4,629 |
| Net loans and leases to total assets | 74.8696% | 1,716 |
| Net loans and leases to deposits | 87.9858% | 1,986 |
| Net loans and leases to core deposits | 90.4826% | 2,478 |
| Total domestic deposits to total assets | 85.0928% | 2,772 |
| Equity capital to assets | 11.8446% | 2,045 |
| Core capital (leverage) ratio | 10.9049% | 2,499 |
| Tier 1 risk-based capital ratio | 14.7302% | 3,048 |
| Total risk-based capital ratio | 15.8329% | 3,042 |
| Memoranda: | ||
| Average total assets | $248,801,000 | 2,528 |
| Average earning assets | $231,139,670 | 2,515 |
| Average equity | $29,487,000 | 2,405 |
| Average total loans | $180,083,330 | 2,337 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9816% | 3,110 |
| Cost of funding earning assets | 0.2567% | 4,480 |
| Net interest margin | 3.7249% | 2,401 |
| Noninterest income to average assets | 5.1110% | 113 |
| Noninterest expense to average assets | 5.8374% | 172 |
| Loan and lease loss provision to assets | 0.1360% | 1,404 |
| Net operating income to assets | 1.6370% | 630 |
| Return on assets (ROA) | 1.6370% | 647 |
| Pretax return on assets | 2.5971% | 189 |
| Return on Equity (ROE) | 13.8082% | 841 |
| Retained earnings to average equity (ytd only) | 13.8082% | 309 |
| Net charge-offs to loans | -0.0068% | 4,280 |
| Credit loss provision to net charge-offs | -2,833.3333% | 4,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4010% | 3,290 |
| Assets per employee ($millions) | 2.1936% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,953 |
| Loan loss allowance to noncurrent loans | 665.2330% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 4,833 |
| Noncurrent loans to loans | 0.1587% | 4,549 |
| Net loans and leases to total assets | 67.7580% | 2,717 |
| Net loans and leases to deposits | 78.1750% | 2,948 |
| Net loans and leases to core deposits | 78.7663% | 3,414 |
| Total domestic deposits to total assets | 86.6748% | 2,361 |
| Equity capital to assets | 11.7573% | 1,993 |
| Core capital (leverage) ratio | 10.7176% | 2,673 |
| Tier 1 risk-based capital ratio | 16.2933% | 2,437 |
| Total risk-based capital ratio | 17.3781% | 2,447 |
| Memoranda: | ||
| Average total assets | $249,972,500 | 2,543 |
| Average earning assets | $232,168,500 | 2,533 |
| Average equity | $29,634,500 | 2,410 |
| Average total loans | $176,862,500 | 2,388 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 3,126 |
| Cost of funding earning assets | 0.2399% | 4,656 |
| Net interest margin | 3.7799% | 2,393 |
| Noninterest income to average assets | 4.7460% | 126 |
| Noninterest expense to average assets | 6.0206% | 161 |
| Loan and lease loss provision to assets | 0.1721% | 1,409 |
| Net operating income to assets | 1.2984% | 1,215 |
| Return on assets (ROA) | 1.2984% | 1,290 |
| Pretax return on assets | 2.0555% | 441 |
| Return on Equity (ROE) | 10.7780% | 1,657 |
| Retained earnings to average equity (ytd only) | 10.7780% | 328 |
| Net charge-offs to loans | 0.0326% | 3,370 |
| Credit loss provision to net charge-offs | 750.9434% | 482 |
| Earnings coverage of net charge-offs (x) | 97.2075% | 616 |
| Efficiency ratio | 71.9033% | 2,599 |
| Assets per employee ($millions) | 2.1531% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 4,371 |
| Loan loss allowance to noncurrent loans | 762.0690% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 4,947 |
| Noncurrent loans to loans | 0.1304% | 4,712 |
| Net loans and leases to total assets | 72.4224% | 2,107 |
| Net loans and leases to deposits | 93.8592% | 1,210 |
| Net loans and leases to core deposits | 94.0034% | 2,108 |
| Total domestic deposits to total assets | 77.1606% | 5,099 |
| Equity capital to assets | 11.9583% | 1,838 |
| Core capital (leverage) ratio | 11.0696% | 2,285 |
| Tier 1 risk-based capital ratio | 15.3512% | 2,819 |
| Total risk-based capital ratio | 16.3836% | 2,838 |
| Memoranda: | ||
| Average total assets | $231,287,400 | 2,656 |
| Average earning assets | $214,293,800 | 2,655 |
| Average equity | $27,862,200 | 2,519 |
| Average total loans | $162,518,400 | 2,495 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 3,396 |
| Cost of funding earning assets | 0.2399% | 4,706 |
| Net interest margin | 3.7149% | 2,663 |
| Noninterest income to average assets | 4.7875% | 130 |
| Noninterest expense to average assets | 6.0356% | 166 |
| Loan and lease loss provision to assets | 0.1705% | 1,335 |
| Net operating income to assets | 1.2797% | 1,353 |
| Return on assets (ROA) | 1.2797% | 1,457 |
| Pretax return on assets | 2.0272% | 537 |
| Return on Equity (ROE) | 10.6018% | 1,824 |
| Retained earnings to average equity (ytd only) | 10.6018% | 473 |
| Net charge-offs to loans | 0.0277% | 3,115 |
| Credit loss provision to net charge-offs | 884.8485% | 459 |
| Earnings coverage of net charge-offs (x) | 114.0275% | 595 |
| Efficiency ratio | 72.1004% | 2,567 |
| Assets per employee ($millions) | 2.1780% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 4,495 |
| Loan loss allowance to noncurrent loans | 10,512.5000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 5,506 |
| Noncurrent loans to loans | 0.0094% | 5,370 |
| Net loans and leases to total assets | 71.2514% | 2,307 |
| Net loans and leases to deposits | 92.8016% | 1,396 |
| Net loans and leases to core deposits | 92.9484% | 2,282 |
| Total domestic deposits to total assets | 76.7782% | 5,125 |
| Equity capital to assets | 12.0616% | 2,074 |
| Core capital (leverage) ratio | 11.5146% | 2,020 |
| Tier 1 risk-based capital ratio | 15.4466% | 2,852 |
| Total risk-based capital ratio | 16.4434% | 2,898 |
| Memoranda: | ||
| Average total assets | $228,285,500 | 2,685 |
| Average earning assets | $211,757,000 | 2,687 |
| Average equity | $27,554,250 | 2,550 |
| Average total loans | $158,656,000 | 2,537 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9106% | 3,573 |
| Cost of funding earning assets | 0.2275% | 4,870 |
| Net interest margin | 3.6832% | 2,764 |
| Noninterest income to average assets | 4.8907% | 126 |
| Noninterest expense to average assets | 5.9526% | 172 |
| Loan and lease loss provision to assets | 0.1572% | 1,447 |
| Net operating income to assets | 1.3887% | 1,078 |
| Return on assets (ROA) | 1.3887% | 1,143 |
| Pretax return on assets | 2.2029% | 380 |
| Return on Equity (ROE) | 11.5025% | 1,479 |
| Retained earnings to average equity (ytd only) | 11.5025% | 385 |
| Net charge-offs to loans | 0.0285% | 2,916 |
| Credit loss provision to net charge-offs | 804.5455% | 446 |
| Earnings coverage of net charge-offs (x) | 120.8182% | 486 |
| Efficiency ratio | 70.3055% | 2,933 |
| Assets per employee ($millions) | 2.1547% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 4,682 |
| Loan loss allowance to noncurrent loans | 9,862.5000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 5,606 |
| Noncurrent loans to loans | 0.0098% | 5,463 |
| Net loans and leases to total assets | 70.6447% | 2,377 |
| Net loans and leases to deposits | 85.9356% | 2,258 |
| Net loans and leases to core deposits | 86.0672% | 2,892 |
| Total domestic deposits to total assets | 82.2065% | 3,936 |
| Equity capital to assets | 12.2961% | 1,906 |
| Core capital (leverage) ratio | 11.2440% | 2,199 |
| Tier 1 risk-based capital ratio | 15.8485% | 2,717 |
| Total risk-based capital ratio | 16.8320% | 2,770 |
| Memoranda: | ||
| Average total assets | $225,245,330 | 2,734 |
| Average earning assets | $209,275,670 | 2,715 |
| Average equity | $27,194,000 | 2,582 |
| Average total loans | $154,595,670 | 2,594 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8266% | 3,852 |
| Cost of funding earning assets | 0.2404% | 4,802 |
| Net interest margin | 3.5863% | 3,140 |
| Noninterest income to average assets | 5.1666% | 114 |
| Noninterest expense to average assets | 5.8998% | 182 |
| Loan and lease loss provision to assets | 0.1466% | 1,441 |
| Net operating income to assets | 1.5451% | 784 |
| Return on assets (ROA) | 1.5451% | 826 |
| Pretax return on assets | 2.4554% | 259 |
| Return on Equity (ROE) | 12.9201% | 1,053 |
| Retained earnings to average equity (ytd only) | 12.9201% | 399 |
| Net charge-offs to loans | -0.0053% | 4,311 |
| Credit loss provision to net charge-offs | -4,100.0000% | 4,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0690% | 3,460 |
| Assets per employee ($millions) | 2.2645% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 4,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 65.3820% | 3,049 |
| Net loans and leases to deposits | 75.6797% | 3,256 |
| Net loans and leases to core deposits | 75.7883% | 3,699 |
| Total domestic deposits to total assets | 86.3931% | 2,496 |
| Equity capital to assets | 11.7925% | 2,162 |
| Core capital (leverage) ratio | 10.3787% | 3,097 |
| Tier 1 risk-based capital ratio | 16.4606% | 2,491 |
| Total risk-based capital ratio | 17.4629% | 2,539 |
| Memoranda: | ||
| Average total assets | $223,669,000 | 2,752 |
| Average earning assets | $208,016,000 | 2,742 |
| Average equity | $26,749,000 | 2,612 |
| Average total loans | $150,429,000 | 2,640 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7278% | 4,287 |
| Cost of funding earning assets | 0.2339% | 4,968 |
| Net interest margin | 3.4940% | 3,547 |
| Noninterest income to average assets | 4.6794% | 135 |
| Noninterest expense to average assets | 6.0098% | 177 |
| Loan and lease loss provision to assets | 0.1574% | 1,479 |
| Net operating income to assets | 1.1363% | 1,785 |
| Return on assets (ROA) | 1.1397% | 1,837 |
| Pretax return on assets | 1.7918% | 819 |
| Return on Equity (ROE) | 9.4004% | 2,272 |
| Retained earnings to average equity (ytd only) | 9.4004% | 558 |
| Net charge-offs to loans | 0.0764% | 2,733 |
| Credit loss provision to net charge-offs | 322.7723% | 924 |
| Earnings coverage of net charge-offs (x) | 39.8713% | 1,185 |
| Efficiency ratio | 74.0244% | 2,573 |
| Assets per employee ($millions) | 2.2538% | 5,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 4,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 5,610 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.9007% | 2,711 |
| Net loans and leases to deposits | 85.3433% | 2,205 |
| Net loans and leases to core deposits | 85.4849% | 2,829 |
| Total domestic deposits to total assets | 79.5618% | 4,850 |
| Equity capital to assets | 12.1372% | 1,859 |
| Core capital (leverage) ratio | 11.7036% | 1,815 |
| Tier 1 risk-based capital ratio | 15.9948% | 2,687 |
| Total risk-based capital ratio | 16.9485% | 2,768 |
| Memoranda: | ||
| Average total assets | $207,161,800 | 2,879 |
| Average earning assets | $194,134,800 | 2,839 |
| Average equity | $25,116,000 | 2,680 |
| Average total loans | $132,175,400 | 2,852 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 4,519 |
| Cost of funding earning assets | 0.2367% | 5,021 |
| Net interest margin | 3.4340% | 3,823 |
| Noninterest income to average assets | 4.7309% | 138 |
| Noninterest expense to average assets | 6.0891% | 173 |
| Loan and lease loss provision to assets | 0.1165% | 1,945 |
| Net operating income to assets | 1.1174% | 1,933 |
| Return on assets (ROA) | 1.1220% | 1,992 |
| Pretax return on assets | 1.7618% | 972 |
| Return on Equity (ROE) | 9.2574% | 2,437 |
| Retained earnings to average equity (ytd only) | 9.2574% | 809 |
| Net charge-offs to loans | 0.1009% | 2,136 |
| Credit loss provision to net charge-offs | 184.5361% | 1,439 |
| Earnings coverage of net charge-offs (x) | 29.6392% | 1,508 |
| Efficiency ratio | 74.9407% | 2,411 |
| Assets per employee ($millions) | 2.1147% | 6,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 5,028 |
| Loan loss allowance to noncurrent loans | 6,400.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 5,660 |
| Noncurrent loans to loans | 0.0147% | 5,579 |
| Net loans and leases to total assets | 66.6135% | 2,919 |
| Net loans and leases to deposits | 80.3732% | 2,839 |
| Net loans and leases to core deposits | 80.5091% | 3,391 |
| Total domestic deposits to total assets | 82.8802% | 3,853 |
| Equity capital to assets | 12.6940% | 1,621 |
| Core capital (leverage) ratio | 11.5062% | 2,032 |
| Tier 1 risk-based capital ratio | 16.6970% | 2,483 |
| Total risk-based capital ratio | 17.6178% | 2,589 |
| Memoranda: | ||
| Average total assets | $204,862,250 | 2,927 |
| Average earning assets | $192,654,500 | 2,889 |
| Average equity | $24,830,000 | 2,729 |
| Average total loans | $128,136,000 | 2,936 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 4,852 |
| Cost of funding earning assets | 0.2410% | 5,043 |
| Net interest margin | 3.3120% | 4,260 |
| Noninterest income to average assets | 4.6691% | 139 |
| Noninterest expense to average assets | 6.0405% | 179 |
| Loan and lease loss provision to assets | 0.0837% | 2,442 |
| Net operating income to assets | 1.0609% | 2,095 |
| Return on assets (ROA) | 1.0677% | 2,170 |
| Pretax return on assets | 1.6722% | 1,137 |
| Return on Equity (ROE) | 8.9490% | 2,578 |
| Retained earnings to average equity (ytd only) | 8.9490% | 937 |
| Net charge-offs to loans | 0.1005% | 2,003 |
| Credit loss provision to net charge-offs | 136.5079% | 1,635 |
| Earnings coverage of net charge-offs (x) | 28.4603% | 1,420 |
| Efficiency ratio | 76.0095% | 2,353 |
| Assets per employee ($millions) | 2.2199% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 5,098 |
| Loan loss allowance to noncurrent loans | 619.7970% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 5,486 |
| Noncurrent loans to loans | 0.1533% | 5,136 |
| Net loans and leases to total assets | 61.0099% | 3,692 |
| Net loans and leases to deposits | 70.8734% | 3,836 |
| Net loans and leases to core deposits | 70.9852% | 4,225 |
| Total domestic deposits to total assets | 86.0830% | 2,655 |
| Equity capital to assets | 11.9737% | 2,047 |
| Core capital (leverage) ratio | 10.8219% | 2,592 |
| Tier 1 risk-based capital ratio | 17.1953% | 2,332 |
| Total risk-based capital ratio | 18.1233% | 2,408 |
| Memoranda: | ||
| Average total assets | $205,479,670 | 2,941 |
| Average earning assets | $193,359,330 | 2,897 |
| Average equity | $24,516,670 | 2,768 |
| Average total loans | $125,344,000 | 2,994 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4903% | 5,001 |
| Cost of funding earning assets | 0.2507% | 5,017 |
| Net interest margin | 3.2397% | 4,454 |
| Noninterest income to average assets | 4.8713% | 131 |
| Noninterest expense to average assets | 6.0367% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1947% | 1,565 |
| Return on assets (ROA) | 1.2085% | 1,615 |
| Pretax return on assets | 1.8991% | 719 |
| Return on Equity (ROE) | 10.1472% | 1,932 |
| Retained earnings to average equity (ytd only) | 10.1472% | 885 |
| Net charge-offs to loans | 0.0323% | 2,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 95.7000% | 513 |
| Efficiency ratio | 74.7149% | 2,703 |
| Assets per employee ($millions) | 2.2331% | 6,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 5,166 |
| Loan loss allowance to noncurrent loans | 2,376.0000% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 5,821 |
| Noncurrent loans to loans | 0.0409% | 5,619 |
| Net loans and leases to total assets | 55.9496% | 4,208 |
| Net loans and leases to deposits | 64.4294% | 4,328 |
| Net loans and leases to core deposits | 64.5261% | 4,652 |
| Total domestic deposits to total assets | 86.8386% | 2,463 |
| Equity capital to assets | 11.3651% | 2,587 |
| Core capital (leverage) ratio | 10.0278% | 3,560 |
| Tier 1 risk-based capital ratio | 17.5599% | 2,281 |
| Total risk-based capital ratio | 18.5013% | 2,350 |
| Memoranda: | ||
| Average total assets | $203,886,500 | 2,969 |
| Average earning assets | $191,499,500 | 2,930 |
| Average equity | $24,282,500 | 2,800 |
| Average total loans | $123,752,000 | 3,021 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6896% | 4,813 |
| Cost of funding earning assets | 0.2742% | 5,054 |
| Net interest margin | 3.4154% | 4,132 |
| Noninterest income to average assets | 4.9570% | 131 |
| Noninterest expense to average assets | 6.0037% | 182 |
| Loan and lease loss provision to assets | 0.2791% | 762 |
| Net operating income to assets | 1.2064% | 1,567 |
| Return on assets (ROA) | 1.2099% | 1,609 |
| Pretax return on assets | 1.8707% | 680 |
| Return on Equity (ROE) | 9.9932% | 2,132 |
| Retained earnings to average equity (ytd only) | 9.9932% | 519 |
| Net charge-offs to loans | 0.0548% | 3,736 |
| Credit loss provision to net charge-offs | 846.7742% | 323 |
| Earnings coverage of net charge-offs (x) | 65.0645% | 745 |
| Efficiency ratio | 72.0251% | 3,209 |
| Assets per employee ($millions) | 1.9506% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 5,259 |
| Loan loss allowance to noncurrent loans | 10,890.9091% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 6,022 |
| Noncurrent loans to loans | 0.0088% | 5,889 |
| Net loans and leases to total assets | 64.8272% | 3,084 |
| Net loans and leases to deposits | 78.2716% | 2,942 |
| Net loans and leases to core deposits | 78.4107% | 3,476 |
| Total domestic deposits to total assets | 82.8235% | 4,137 |
| Equity capital to assets | 12.5271% | 1,632 |
| Core capital (leverage) ratio | 11.0914% | 2,324 |
| Tier 1 risk-based capital ratio | 16.5912% | 2,675 |
| Total risk-based capital ratio | 17.5443% | 2,759 |
| Memoranda: | ||
| Average total assets | $188,116,400 | 3,125 |
| Average earning assets | $175,764,200 | 3,090 |
| Average equity | $22,775,600 | 2,869 |
| Average total loans | $113,104,800 | 3,155 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 5,154 |
| Cost of funding earning assets | 0.2779% | 5,123 |
| Net interest margin | 3.3167% | 4,550 |
| Noninterest income to average assets | 4.7509% | 127 |
| Noninterest expense to average assets | 5.9451% | 186 |
| Loan and lease loss provision to assets | 0.1566% | 1,590 |
| Net operating income to assets | 1.1333% | 1,920 |
| Return on assets (ROA) | 1.1379% | 1,970 |
| Pretax return on assets | 1.7570% | 969 |
| Return on Equity (ROE) | 9.4826% | 2,457 |
| Retained earnings to average equity (ytd only) | 9.4826% | 846 |
| Net charge-offs to loans | 0.0654% | 3,263 |
| Credit loss provision to net charge-offs | 407.4074% | 685 |
| Earnings coverage of net charge-offs (x) | 49.6099% | 986 |
| Efficiency ratio | 73.9962% | 2,822 |
| Assets per employee ($millions) | 1.9736% | 6,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7376% | 6,019 |
| Loan loss allowance to noncurrent loans | 231.9588% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 5,398 |
| Noncurrent loans to loans | 0.3180% | 4,954 |
| Net loans and leases to total assets | 64.5969% | 3,093 |
| Net loans and leases to deposits | 78.4681% | 2,899 |
| Net loans and leases to core deposits | 78.6107% | 3,481 |
| Total domestic deposits to total assets | 82.3224% | 4,370 |
| Equity capital to assets | 12.3995% | 1,772 |
| Core capital (leverage) ratio | 10.9136% | 2,568 |
| Tier 1 risk-based capital ratio | 16.4631% | 2,826 |
| Total risk-based capital ratio | 17.1998% | 3,027 |
| Memoranda: | ||
| Average total assets | $187,355,000 | 3,160 |
| Average earning assets | $175,147,500 | 3,125 |
| Average equity | $22,482,750 | 2,906 |
| Average total loans | $110,100,250 | 3,234 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4783% | 5,452 |
| Cost of funding earning assets | 0.2845% | 5,136 |
| Net interest margin | 3.1937% | 4,968 |
| Noninterest income to average assets | 4.9021% | 124 |
| Noninterest expense to average assets | 5.8908% | 190 |
| Loan and lease loss provision to assets | 0.1207% | 2,040 |
| Net operating income to assets | 1.1620% | 1,715 |
| Return on assets (ROA) | 1.1681% | 1,762 |
| Pretax return on assets | 1.8846% | 709 |
| Return on Equity (ROE) | 9.8436% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.8436% | 758 |
| Net charge-offs to loans | 0.0961% | 2,709 |
| Credit loss provision to net charge-offs | 221.5686% | 1,077 |
| Earnings coverage of net charge-offs (x) | 36.6471% | 1,118 |
| Efficiency ratio | 72.9759% | 3,166 |
| Assets per employee ($millions) | 2.0222% | 6,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7029% | 6,168 |
| Loan loss allowance to noncurrent loans | 1,730.4348% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 6,146 |
| Noncurrent loans to loans | 0.0406% | 5,931 |
| Net loans and leases to total assets | 59.7976% | 3,755 |
| Net loans and leases to deposits | 70.3505% | 3,776 |
| Net loans and leases to core deposits | 70.4735% | 4,220 |
| Total domestic deposits to total assets | 84.9995% | 3,510 |
| Equity capital to assets | 12.1370% | 1,893 |
| Core capital (leverage) ratio | 10.5783% | 2,847 |
| Tier 1 risk-based capital ratio | 17.2092% | 2,533 |
| Total risk-based capital ratio | 17.9099% | 2,724 |
| Memoranda: | ||
| Average total assets | $187,309,330 | 3,180 |
| Average earning assets | $175,030,330 | 3,143 |
| Average equity | $22,227,670 | 2,921 |
| Average total loans | $106,129,000 | 3,332 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3529% | 5,746 |
| Cost of funding earning assets | 0.2933% | 5,143 |
| Net interest margin | 3.0595% | 5,364 |
| Noninterest income to average assets | 5.3195% | 110 |
| Noninterest expense to average assets | 5.9016% | 197 |
| Loan and lease loss provision to assets | 0.0171% | 3,608 |
| Net operating income to assets | 1.4428% | 911 |
| Return on assets (ROA) | 1.4401% | 949 |
| Pretax return on assets | 2.2532% | 328 |
| Return on Equity (ROE) | 12.2760% | 1,353 |
| Retained earnings to average equity (ytd only) | 12.2760% | 575 |
| Net charge-offs to loans | 0.1599% | 1,761 |
| Credit loss provision to net charge-offs | 19.5122% | 2,508 |
| Earnings coverage of net charge-offs (x) | 25.9268% | 1,137 |
| Efficiency ratio | 70.5313% | 3,740 |
| Assets per employee ($millions) | 2.2048% | 6,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6889% | 6,297 |
| Loan loss allowance to noncurrent loans | 1,709.7561% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 6,245 |
| Noncurrent loans to loans | 0.0403% | 6,029 |
| Net loans and leases to total assets | 50.9230% | 4,805 |
| Net loans and leases to deposits | 58.9757% | 4,845 |
| Net loans and leases to core deposits | 59.0716% | 5,116 |
| Total domestic deposits to total assets | 86.3457% | 3,184 |
| Equity capital to assets | 11.2294% | 2,496 |
| Core capital (leverage) ratio | 9.7736% | 3,896 |
| Tier 1 risk-based capital ratio | 17.9602% | 2,313 |
| Total risk-based capital ratio | 18.6203% | 2,497 |
| Memoranda: | ||
| Average total assets | $186,933,500 | 3,211 |
| Average earning assets | $174,537,500 | 3,165 |
| Average equity | $21,929,000 | 2,942 |
| Average total loans | $102,567,500 | 3,416 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5805% | 5,457 |
| Cost of funding earning assets | 0.3184% | 5,437 |
| Net interest margin | 3.2620% | 4,798 |
| Noninterest income to average assets | 5.3647% | 124 |
| Noninterest expense to average assets | 6.1492% | 191 |
| Loan and lease loss provision to assets | 0.0685% | 3,763 |
| Net operating income to assets | 1.3734% | 1,078 |
| Return on assets (ROA) | 1.3734% | 1,119 |
| Pretax return on assets | 2.1482% | 341 |
| Return on Equity (ROE) | 11.6564% | 1,534 |
| Retained earnings to average equity (ytd only) | 11.6564% | 353 |
| Net charge-offs to loans | 0.0931% | 3,917 |
| Credit loss provision to net charge-offs | 136.7816% | 1,712 |
| Earnings coverage of net charge-offs (x) | 44.2644% | 873 |
| Efficiency ratio | 71.7559% | 3,521 |
| Assets per employee ($millions) | 2.0165% | 6,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7100% | 6,330 |
| Loan loss allowance to noncurrent loans | 1,203.2787% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 6,273 |
| Noncurrent loans to loans | 0.0590% | 6,056 |
| Net loans and leases to total assets | 58.5133% | 3,952 |
| Net loans and leases to deposits | 69.9753% | 3,789 |
| Net loans and leases to core deposits | 70.1077% | 4,281 |
| Total domestic deposits to total assets | 83.6199% | 4,311 |
| Equity capital to assets | 12.2982% | 1,626 |
| Core capital (leverage) ratio | 10.6659% | 2,710 |
| Tier 1 risk-based capital ratio | 16.4790% | 2,865 |
| Total risk-based capital ratio | 17.1380% | 3,111 |
| Memoranda: | ||
| Average total assets | $173,729,200 | 3,349 |
| Average earning assets | $159,838,200 | 3,349 |
| Average equity | $20,469,400 | 3,105 |
| Average total loans | $93,491,000 | 3,612 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5498% | 5,580 |
| Cost of funding earning assets | 0.3267% | 5,495 |
| Net interest margin | 3.2231% | 4,919 |
| Noninterest income to average assets | 5.5362% | 129 |
| Noninterest expense to average assets | 6.2325% | 182 |
| Loan and lease loss provision to assets | 0.0716% | 3,632 |
| Net operating income to assets | 1.4110% | 1,082 |
| Return on assets (ROA) | 1.4110% | 1,129 |
| Pretax return on assets | 2.1926% | 396 |
| Return on Equity (ROE) | 12.1095% | 1,443 |
| Retained earnings to average equity (ytd only) | 12.1095% | 406 |
| Net charge-offs to loans | 0.1143% | 3,406 |
| Credit loss provision to net charge-offs | 119.2308% | 1,976 |
| Earnings coverage of net charge-offs (x) | 37.7298% | 1,049 |
| Efficiency ratio | 71.6317% | 3,474 |
| Assets per employee ($millions) | 1.9317% | 6,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7451% | 6,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 56.1868% | 4,294 |
| Net loans and leases to deposits | 66.7379% | 4,212 |
| Net loans and leases to core deposits | 66.8669% | 4,636 |
| Total domestic deposits to total assets | 84.1902% | 4,114 |
| Equity capital to assets | 12.3443% | 1,677 |
| Core capital (leverage) ratio | 10.6508% | 2,837 |
| Tier 1 risk-based capital ratio | 16.6643% | 2,875 |
| Total risk-based capital ratio | 17.3378% | 3,104 |
| Memoranda: | ||
| Average total assets | $173,303,500 | 3,383 |
| Average earning assets | $159,179,250 | 3,388 |
| Average equity | $20,193,000 | 3,166 |
| Average total loans | $91,017,500 | 3,694 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4856% | 5,725 |
| Cost of funding earning assets | 0.3298% | 5,568 |
| Net interest margin | 3.1557% | 5,105 |
| Noninterest income to average assets | 5.4848% | 136 |
| Noninterest expense to average assets | 6.0983% | 200 |
| Loan and lease loss provision to assets | 0.0757% | 3,535 |
| Net operating income to assets | 1.3864% | 1,109 |
| Return on assets (ROA) | 1.3864% | 1,190 |
| Pretax return on assets | 2.2075% | 406 |
| Return on Equity (ROE) | 12.1329% | 1,449 |
| Retained earnings to average equity (ytd only) | 12.1329% | 469 |
| Net charge-offs to loans | 0.1635% | 2,807 |
| Credit loss provision to net charge-offs | 90.4110% | 2,428 |
| Earnings coverage of net charge-offs (x) | 27.2740% | 1,221 |
| Efficiency ratio | 71.0220% | 3,638 |
| Assets per employee ($millions) | 1.9985% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7621% | 6,416 |
| Loan loss allowance to noncurrent loans | 416.1677% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 6,122 |
| Noncurrent loans to loans | 0.1831% | 5,857 |
| Net loans and leases to total assets | 52.0507% | 4,859 |
| Net loans and leases to deposits | 60.5981% | 4,908 |
| Net loans and leases to core deposits | 60.7099% | 5,203 |
| Total domestic deposits to total assets | 85.8950% | 3,426 |
| Equity capital to assets | 11.6215% | 2,197 |
| Core capital (leverage) ratio | 9.9880% | 3,546 |
| Tier 1 risk-based capital ratio | 16.7707% | 2,801 |
| Total risk-based capital ratio | 17.4557% | 3,035 |
| Memoranda: | ||
| Average total assets | $174,408,000 | 3,384 |
| Average earning assets | $160,089,330 | 3,394 |
| Average equity | $19,929,330 | 3,217 |
| Average total loans | $89,280,330 | 3,744 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4315% | 5,870 |
| Cost of funding earning assets | 0.3479% | 5,555 |
| Net interest margin | 3.0836% | 5,323 |
| Noninterest income to average assets | 6.2171% | 112 |
| Noninterest expense to average assets | 6.2561% | 190 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7266% | 545 |
| Return on assets (ROA) | 1.7266% | 604 |
| Pretax return on assets | 2.7823% | 192 |
| Return on Equity (ROE) | 15.2393% | 709 |
| Retained earnings to average equity (ytd only) | 15.2393% | 332 |
| Net charge-offs to loans | 0.2491% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 22.0909% | 1,146 |
| Efficiency ratio | 67.6210% | 4,384 |
| Assets per employee ($millions) | 2.1257% | 6,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7933% | 6,464 |
| Loan loss allowance to noncurrent loans | 548.3051% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 6,258 |
| Noncurrent loans to loans | 0.1447% | 6,039 |
| Net loans and leases to total assets | 43.7526% | 5,690 |
| Net loans and leases to deposits | 50.7715% | 5,728 |
| Net loans and leases to core deposits | 50.8589% | 5,904 |
| Total domestic deposits to total assets | 86.1755% | 3,436 |
| Equity capital to assets | 10.8996% | 3,079 |
| Core capital (leverage) ratio | 9.1169% | 4,698 |
| Tier 1 risk-based capital ratio | 17.6696% | 2,496 |
| Total risk-based capital ratio | 18.3608% | 2,675 |
| Memoranda: | ||
| Average total assets | $174,678,500 | 3,418 |
| Average earning assets | $159,812,000 | 3,433 |
| Average equity | $19,791,000 | 3,268 |
| Average total loans | $88,323,500 | 3,779 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 5,117 |
| Cost of funding earning assets | 0.4953% | 5,249 |
| Net interest margin | 3.5608% | 4,260 |
| Noninterest income to average assets | 4.8045% | 153 |
| Noninterest expense to average assets | 6.0112% | 221 |
| Loan and lease loss provision to assets | 0.1464% | 3,773 |
| Net operating income to assets | 1.2092% | 1,576 |
| Return on assets (ROA) | 1.2092% | 1,740 |
| Pretax return on assets | 1.8571% | 815 |
| Return on Equity (ROE) | 10.7639% | 1,883 |
| Retained earnings to average equity (ytd only) | 10.7639% | 468 |
| Net charge-offs to loans | 0.1499% | 4,191 |
| Credit loss provision to net charge-offs | 179.1045% | 1,468 |
| Earnings coverage of net charge-offs (x) | 24.5075% | 1,172 |
| Efficiency ratio | 72.4519% | 3,331 |
| Assets per employee ($millions) | 1.8269% | 6,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7383% | 6,585 |
| Loan loss allowance to noncurrent loans | 356.3452% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 6,138 |
| Noncurrent loans to loans | 0.2072% | 5,958 |
| Net loans and leases to total assets | 57.4034% | 4,064 |
| Net loans and leases to deposits | 68.1982% | 3,955 |
| Net loans and leases to core deposits | 68.3330% | 4,500 |
| Total domestic deposits to total assets | 84.1714% | 4,240 |
| Equity capital to assets | 11.8140% | 2,171 |
| Core capital (leverage) ratio | 9.7914% | 3,670 |
| Tier 1 risk-based capital ratio | 15.0433% | 3,693 |
| Total risk-based capital ratio | 15.7138% | 4,010 |
| Memoranda: | ||
| Average total assets | $163,910,400 | 3,551 |
| Average earning assets | $147,777,400 | 3,589 |
| Average equity | $18,413,400 | 3,420 |
| Average total loans | $89,397,400 | 3,760 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 5,513 |
| Cost of funding earning assets | 0.5315% | 5,231 |
| Net interest margin | 3.4711% | 4,753 |
| Noninterest income to average assets | 4.6182% | 158 |
| Noninterest expense to average assets | 5.8931% | 221 |
| Loan and lease loss provision to assets | 0.1750% | 3,384 |
| Net operating income to assets | 1.1039% | 2,073 |
| Return on assets (ROA) | 1.1039% | 2,267 |
| Pretax return on assets | 1.6762% | 1,339 |
| Return on Equity (ROE) | 9.9554% | 2,365 |
| Retained earnings to average equity (ytd only) | 9.9554% | 927 |
| Net charge-offs to loans | 0.1864% | 3,627 |
| Credit loss provision to net charge-offs | 174.7967% | 1,593 |
| Earnings coverage of net charge-offs (x) | 18.4873% | 1,557 |
| Efficiency ratio | 73.2471% | 3,111 |
| Assets per employee ($millions) | 1.8464% | 7,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 6,686 |
| Loan loss allowance to noncurrent loans | 337.2549% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 6,330 |
| Noncurrent loans to loans | 0.2225% | 6,054 |
| Net loans and leases to total assets | 56.6362% | 4,358 |
| Net loans and leases to deposits | 67.4313% | 4,267 |
| Net loans and leases to core deposits | 67.6836% | 4,758 |
| Total domestic deposits to total assets | 83.9910% | 4,223 |
| Equity capital to assets | 11.7809% | 2,449 |
| Core capital (leverage) ratio | 9.6172% | 4,095 |
| Tier 1 risk-based capital ratio | 14.8613% | 3,943 |
| Total risk-based capital ratio | 15.5383% | 4,297 |
| Memoranda: | ||
| Average total assets | $163,782,000 | 3,583 |
| Average earning assets | $147,501,250 | 3,635 |
| Average equity | $18,160,500 | 3,481 |
| Average total loans | $87,975,000 | 3,839 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9656% | 5,745 |
| Cost of funding earning assets | 0.5576% | 5,248 |
| Net interest margin | 3.4080% | 5,049 |
| Noninterest income to average assets | 4.5526% | 149 |
| Noninterest expense to average assets | 5.7623% | 242 |
| Loan and lease loss provision to assets | 0.1456% | 3,697 |
| Net operating income to assets | 1.0981% | 2,054 |
| Return on assets (ROA) | 1.0981% | 2,280 |
| Pretax return on assets | 1.6927% | 1,276 |
| Return on Equity (ROE) | 10.1085% | 2,313 |
| Retained earnings to average equity (ytd only) | 10.1085% | 948 |
| Net charge-offs to loans | 0.2536% | 3,060 |
| Credit loss provision to net charge-offs | 109.0909% | 2,493 |
| Earnings coverage of net charge-offs (x) | 13.7727% | 1,763 |
| Efficiency ratio | 72.4936% | 3,346 |
| Assets per employee ($millions) | 2.0305% | 7,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6943% | 6,832 |
| Loan loss allowance to noncurrent loans | 396.7320% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 6,262 |
| Noncurrent loans to loans | 0.1750% | 6,236 |
| Net loans and leases to total assets | 51.5158% | 5,152 |
| Net loans and leases to deposits | 61.1130% | 5,115 |
| Net loans and leases to core deposits | 61.3090% | 5,458 |
| Total domestic deposits to total assets | 84.2959% | 4,194 |
| Equity capital to assets | 10.8403% | 3,299 |
| Core capital (leverage) ratio | 8.8551% | 5,118 |
| Tier 1 risk-based capital ratio | 14.6664% | 3,980 |
| Total risk-based capital ratio | 15.2761% | 4,389 |
| Memoranda: | ||
| Average total assets | $164,829,000 | 3,590 |
| Average earning assets | $147,417,670 | 3,651 |
| Average equity | $17,905,670 | 3,513 |
| Average total loans | $86,743,670 | 3,887 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 5,667 |
| Cost of funding earning assets | 0.6010% | 5,114 |
| Net interest margin | 3.4306% | 4,993 |
| Noninterest income to average assets | 4.7049% | 139 |
| Noninterest expense to average assets | 5.8290% | 224 |
| Loan and lease loss provision to assets | 0.0982% | 4,119 |
| Net operating income to assets | 1.1682% | 1,834 |
| Return on assets (ROA) | 1.1682% | 2,015 |
| Pretax return on assets | 1.8039% | 1,062 |
| Return on Equity (ROE) | 10.7425% | 2,127 |
| Retained earnings to average equity (ytd only) | 10.7425% | 1,103 |
| Net charge-offs to loans | 0.3889% | 2,137 |
| Credit loss provision to net charge-offs | 47.6190% | 3,320 |
| Earnings coverage of net charge-offs (x) | 9.2262% | 1,867 |
| Efficiency ratio | 72.2540% | 3,389 |
| Assets per employee ($millions) | 2.0667% | 7,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6643% | 6,916 |
| Loan loss allowance to noncurrent loans | 276.0000% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 6,375 |
| Noncurrent loans to loans | 0.2407% | 6,210 |
| Net loans and leases to total assets | 48.1211% | 5,539 |
| Net loans and leases to deposits | 56.4969% | 5,548 |
| Net loans and leases to core deposits | 56.6722% | 5,843 |
| Total domestic deposits to total assets | 85.1749% | 3,951 |
| Equity capital to assets | 10.4774% | 3,516 |
| Core capital (leverage) ratio | 8.4211% | 5,714 |
| Tier 1 risk-based capital ratio | 15.1391% | 3,658 |
| Total risk-based capital ratio | 15.1166% | 4,536 |
| Memoranda: | ||
| Average total assets | $162,979,000 | 3,638 |
| Average earning assets | $143,767,000 | 3,751 |
| Average equity | $17,724,000 | 3,540 |
| Average total loans | $86,402,500 | 3,926 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9458% | 3,125 |
| Cost of funding earning assets | 0.8228% | 4,688 |
| Net interest margin | 4.1230% | 2,340 |
| Noninterest income to average assets | 3.3238% | 186 |
| Noninterest expense to average assets | 5.2348% | 317 |
| Loan and lease loss provision to assets | 0.0585% | 5,870 |
| Net operating income to assets | 0.8457% | 2,848 |
| Return on assets (ROA) | 0.8457% | 2,999 |
| Pretax return on assets | 1.2465% | 2,310 |
| Return on Equity (ROE) | 8.1545% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.1545% | 1,031 |
| Net charge-offs to loans | 0.1321% | 5,092 |
| Credit loss provision to net charge-offs | 78.9474% | 4,503 |
| Earnings coverage of net charge-offs (x) | 17.6228% | 1,260 |
| Efficiency ratio | 77.9003% | 2,600 |
| Assets per employee ($millions) | 1.8605% | 7,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6644% | 6,948 |
| Loan loss allowance to noncurrent loans | 243.2653% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 6,325 |
| Noncurrent loans to loans | 0.2731% | 6,180 |
| Net loans and leases to total assets | 57.7070% | 4,426 |
| Net loans and leases to deposits | 69.1724% | 4,249 |
| Net loans and leases to core deposits | 69.3166% | 4,873 |
| Total domestic deposits to total assets | 83.4249% | 4,581 |
| Equity capital to assets | 11.3167% | 2,669 |
| Core capital (leverage) ratio | 9.0366% | 4,718 |
| Tier 1 risk-based capital ratio | 14.6145% | 3,891 |
| Total risk-based capital ratio | 15.2893% | 4,250 |
| Memoranda: | ||
| Average total assets | $153,951,200 | 3,736 |
| Average earning assets | $120,081,800 | 4,129 |
| Average equity | $15,966,600 | 3,734 |
| Average total loans | $86,273,600 | 3,958 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0085% | 3,043 |
| Cost of funding earning assets | 0.8710% | 4,629 |
| Net interest margin | 4.1374% | 2,321 |
| Noninterest income to average assets | 3.0950% | 207 |
| Noninterest expense to average assets | 5.1517% | 326 |
| Loan and lease loss provision to assets | 0.0650% | 5,639 |
| Net operating income to assets | 0.7246% | 3,483 |
| Return on assets (ROA) | 0.7246% | 3,665 |
| Pretax return on assets | 1.0401% | 3,250 |
| Return on Equity (ROE) | 7.1499% | 3,453 |
| Retained earnings to average equity (ytd only) | 7.1499% | 1,886 |
| Net charge-offs to loans | 0.0905% | 5,066 |
| Credit loss provision to net charge-offs | 129.3103% | 2,458 |
| Earnings coverage of net charge-offs (x) | 21.9832% | 1,167 |
| Efficiency ratio | 80.7176% | 2,156 |
| Assets per employee ($millions) | 1.8000% | 7,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7372% | 6,917 |
| Loan loss allowance to noncurrent loans | 239.4737% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 6,452 |
| Noncurrent loans to loans | 0.3079% | 6,233 |
| Net loans and leases to total assets | 54.7682% | 5,038 |
| Net loans and leases to deposits | 65.2806% | 5,016 |
| Net loans and leases to core deposits | 65.4131% | 5,485 |
| Total domestic deposits to total assets | 83.8966% | 4,281 |
| Equity capital to assets | 10.9157% | 3,224 |
| Core capital (leverage) ratio | 8.6062% | 5,540 |
| Tier 1 risk-based capital ratio | 14.3986% | 4,052 |
| Total risk-based capital ratio | 15.1430% | 4,383 |
| Memoranda: | ||
| Average total assets | $153,834,500 | 3,759 |
| Average earning assets | $117,557,500 | 4,212 |
| Average equity | $15,589,500 | 3,808 |
| Average total loans | $85,415,500 | 4,022 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0644% | 2,858 |
| Cost of funding earning assets | 0.9164% | 4,539 |
| Net interest margin | 4.1480% | 2,237 |
| Noninterest income to average assets | 2.5361% | 267 |
| Noninterest expense to average assets | 4.9518% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5153% | 4,435 |
| Return on assets (ROA) | 0.5153% | 4,576 |
| Pretax return on assets | 0.7220% | 4,307 |
| Return on Equity (ROE) | 5.2227% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.2227% | 2,861 |
| Net charge-offs to loans | 0.1175% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 11.0400% | 1,748 |
| Efficiency ratio | 86.8603% | 1,523 |
| Assets per employee ($millions) | 1.9320% | 7,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6932% | 7,028 |
| Loan loss allowance to noncurrent loans | 267.2897% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 6,546 |
| Noncurrent loans to loans | 0.2594% | 6,407 |
| Net loans and leases to total assets | 53.0147% | 5,432 |
| Net loans and leases to deposits | 63.0031% | 5,393 |
| Net loans and leases to core deposits | 63.1318% | 5,800 |
| Total domestic deposits to total assets | 84.1461% | 4,285 |
| Equity capital to assets | 10.8029% | 3,173 |
| Core capital (leverage) ratio | 8.4180% | 5,682 |
| Tier 1 risk-based capital ratio | 14.4087% | 3,857 |
| Total risk-based capital ratio | 15.1071% | 4,235 |
| Memoranda: | ||
| Average total assets | $152,912,670 | 3,802 |
| Average earning assets | $115,670,670 | 4,284 |
| Average equity | $15,088,000 | 3,891 |
| Average total loans | $85,086,000 | 4,066 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1452% | 2,453 |
| Cost of funding earning assets | 0.9740% | 4,396 |
| Net interest margin | 4.1712% | 1,996 |
| Noninterest income to average assets | 2.4907% | 266 |
| Noninterest expense to average assets | 4.9366% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5286% | 4,360 |
| Return on assets (ROA) | 0.5286% | 4,444 |
| Pretax return on assets | 0.7417% | 4,139 |
| Return on Equity (ROE) | 5.6289% | 4,101 |
| Retained earnings to average equity (ytd only) | 5.6289% | 2,837 |
| Net charge-offs to loans | 0.1482% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.8125% | 1,786 |
| Efficiency ratio | 86.9384% | 1,614 |
| Assets per employee ($millions) | 2.1373% | 7,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7371% | 7,026 |
| Loan loss allowance to noncurrent loans | 1,090.7407% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 6,857 |
| Noncurrent loans to loans | 0.0676% | 6,870 |
| Net loans and leases to total assets | 49.4856% | 5,908 |
| Net loans and leases to deposits | 58.0461% | 5,919 |
| Net loans and leases to core deposits | 58.2738% | 6,229 |
| Total domestic deposits to total assets | 85.2524% | 3,920 |
| Equity capital to assets | 8.9758% | 5,235 |
| Core capital (leverage) ratio | 8.4295% | 5,574 |
| Tier 1 risk-based capital ratio | 15.7169% | 3,046 |
| Total risk-based capital ratio | 16.4600% | 3,270 |
| Memoranda: | ||
| Average total assets | $152,088,500 | 3,848 |
| Average earning assets | $116,225,000 | 4,294 |
| Average equity | $14,283,500 | 4,054 |
| Average total loans | $86,373,000 | 4,067 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6413% | 1,768 |
| Cost of funding earning assets | 1.1521% | 4,841 |
| Net interest margin | 4.4892% | 1,250 |
| Noninterest income to average assets | 3.7591% | 178 |
| Noninterest expense to average assets | 5.4598% | 309 |
| Loan and lease loss provision to assets | 0.0678% | 6,466 |
| Net operating income to assets | 1.2558% | 1,279 |
| Return on assets (ROA) | 1.2926% | 1,249 |
| Pretax return on assets | 1.9338% | 564 |
| Return on Equity (ROE) | 14.1877% | 855 |
| Retained earnings to average equity (ytd only) | 14.1877% | 156 |
| Net charge-offs to loans | 0.0753% | 6,048 |
| Credit loss provision to net charge-offs | 144.9275% | 2,556 |
| Earnings coverage of net charge-offs (x) | 41.6232% | 558 |
| Efficiency ratio | 72.8562% | 3,629 |
| Assets per employee ($millions) | 1.9443% | 7,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 7,178 |
| Loan loss allowance to noncurrent loans | 388.1250% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 6,726 |
| Noncurrent loans to loans | 0.1724% | 6,722 |
| Net loans and leases to total assets | 64.0895% | 3,857 |
| Net loans and leases to deposits | 75.8959% | 3,857 |
| Net loans and leases to core deposits | 76.3787% | 4,649 |
| Total domestic deposits to total assets | 84.4440% | 4,152 |
| Equity capital to assets | 9.8547% | 3,932 |
| Core capital (leverage) ratio | 9.2543% | 4,090 |
| Tier 1 risk-based capital ratio | 13.3527% | 4,327 |
| Total risk-based capital ratio | 14.0350% | 4,751 |
| Memoranda: | ||
| Average total assets | $147,533,800 | 3,918 |
| Average earning assets | $119,865,800 | 4,232 |
| Average equity | $13,441,200 | 4,270 |
| Average total loans | $91,586,600 | 4,018 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6400% | 1,915 |
| Cost of funding earning assets | 1.1937% | 4,896 |
| Net interest margin | 4.4464% | 1,384 |
| Noninterest income to average assets | 3.9501% | 174 |
| Noninterest expense to average assets | 5.5264% | 268 |
| Loan and lease loss provision to assets | 0.0898% | 6,145 |
| Net operating income to assets | 1.2841% | 1,363 |
| Return on assets (ROA) | 1.3329% | 1,349 |
| Pretax return on assets | 1.9831% | 636 |
| Return on Equity (ROE) | 14.9254% | 873 |
| Retained earnings to average equity (ytd only) | 14.9254% | 216 |
| Net charge-offs to loans | 0.0847% | 5,685 |
| Credit loss provision to net charge-offs | 172.4138% | 2,142 |
| Earnings coverage of net charge-offs (x) | 38.3973% | 709 |
| Efficiency ratio | 72.5060% | 3,609 |
| Assets per employee ($millions) | 1.8009% | 7,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6722% | 7,251 |
| Loan loss allowance to noncurrent loans | 842.6667% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 7,015 |
| Noncurrent loans to loans | 0.0798% | 7,040 |
| Net loans and leases to total assets | 64.0205% | 4,128 |
| Net loans and leases to deposits | 76.0235% | 4,172 |
| Net loans and leases to core deposits | 76.4993% | 4,994 |
| Total domestic deposits to total assets | 84.2115% | 4,001 |
| Equity capital to assets | 9.5351% | 4,788 |
| Core capital (leverage) ratio | 8.8866% | 4,866 |
| Tier 1 risk-based capital ratio | 12.5928% | 4,898 |
| Total risk-based capital ratio | 13.2727% | 5,413 |
| Memoranda: | ||
| Average total assets | $148,447,250 | 3,949 |
| Average earning assets | $119,405,500 | 4,299 |
| Average equity | $13,256,750 | 4,382 |
| Average total loans | $91,275,000 | 4,087 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6718% | 1,865 |
| Cost of funding earning assets | 1.2476% | 4,847 |
| Net interest margin | 4.4242% | 1,382 |
| Noninterest income to average assets | 4.4754% | 152 |
| Noninterest expense to average assets | 5.6689% | 249 |
| Loan and lease loss provision to assets | 0.1340% | 5,549 |
| Net operating income to assets | 1.4056% | 1,086 |
| Return on assets (ROA) | 1.4762% | 1,015 |
| Pretax return on assets | 2.2772% | 354 |
| Return on Equity (ROE) | 16.9027% | 579 |
| Retained earnings to average equity (ytd only) | 16.9027% | 157 |
| Net charge-offs to loans | 0.1107% | 5,056 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 34.3800% | 822 |
| Efficiency ratio | 70.2571% | 4,141 |
| Assets per employee ($millions) | 1.9126% | 7,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7014% | 7,247 |
| Loan loss allowance to noncurrent loans | 1,333.3333% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 7,101 |
| Noncurrent loans to loans | 0.0526% | 7,185 |
| Net loans and leases to total assets | 60.7356% | 4,924 |
| Net loans and leases to deposits | 71.1808% | 5,121 |
| Net loans and leases to core deposits | 71.6083% | 5,714 |
| Total domestic deposits to total assets | 85.3259% | 3,452 |
| Equity capital to assets | 9.0648% | 5,345 |
| Core capital (leverage) ratio | 8.4608% | 5,479 |
| Tier 1 risk-based capital ratio | 12.5642% | 4,799 |
| Total risk-based capital ratio | 13.2761% | 5,253 |
| Memoranda: | ||
| Average total assets | $149,305,670 | 3,962 |
| Average earning assets | $117,986,670 | 4,368 |
| Average equity | $13,039,330 | 4,430 |
| Average total loans | $90,360,000 | 4,134 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5740% | 2,267 |
| Cost of funding earning assets | 1.3117% | 4,741 |
| Net interest margin | 4.2623% | 1,812 |
| Noninterest income to average assets | 6.3066% | 111 |
| Noninterest expense to average assets | 5.9638% | 222 |
| Loan and lease loss provision to assets | 0.2678% | 3,881 |
| Net operating income to assets | 2.1598% | 267 |
| Return on assets (ROA) | 2.2147% | 272 |
| Pretax return on assets | 3.4760% | 101 |
| Return on Equity (ROE) | 25.8488% | 139 |
| Retained earnings to average equity (ytd only) | 25.8488% | 96 |
| Net charge-offs to loans | 0.2269% | 3,562 |
| Credit loss provision to net charge-offs | 196.0784% | 1,890 |
| Earnings coverage of net charge-offs (x) | 26.7843% | 946 |
| Efficiency ratio | 61.2580% | 5,952 |
| Assets per employee ($millions) | 2.0565% | 7,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7261% | 7,297 |
| Loan loss allowance to noncurrent loans | 1,638.4615% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 7,056 |
| Noncurrent loans to loans | 0.0443% | 7,301 |
| Net loans and leases to total assets | 55.1729% | 5,864 |
| Net loans and leases to deposits | 63.6593% | 6,086 |
| Net loans and leases to core deposits | 65.0287% | 6,372 |
| Total domestic deposits to total assets | 86.6690% | 2,806 |
| Equity capital to assets | 8.3251% | 6,270 |
| Core capital (leverage) ratio | 7.7869% | 6,523 |
| Tier 1 risk-based capital ratio | 12.6305% | 4,619 |
| Total risk-based capital ratio | 13.3639% | 5,042 |
| Memoranda: | ||
| Average total assets | $149,368,000 | 4,018 |
| Average earning assets | $116,182,000 | 4,467 |
| Average equity | $12,797,500 | 4,522 |
| Average total loans | $89,917,000 | 4,200 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9232% | 2,150 |
| Cost of funding earning assets | 1.4315% | 5,798 |
| Net interest margin | 4.4918% | 1,196 |
| Noninterest income to average assets | 2.5249% | 270 |
| Noninterest expense to average assets | 5.6455% | 362 |
| Loan and lease loss provision to assets | 0.0573% | 6,991 |
| Net operating income to assets | 0.4092% | 4,094 |
| Return on assets (ROA) | 0.5479% | 3,625 |
| Pretax return on assets | 0.8254% | 3,166 |
| Return on Equity (ROE) | 6.2906% | 3,082 |
| Retained earnings to average equity (ytd only) | 6.2906% | 1,232 |
| Net charge-offs to loans | 0.2028% | 5,369 |
| Credit loss provision to net charge-offs | 44.1341% | 6,798 |
| Earnings coverage of net charge-offs (x) | 5.1844% | 2,666 |
| Efficiency ratio | 89.1604% | 1,776 |
| Assets per employee ($millions) | 1.8718% | 7,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6425% | 7,490 |
| Loan loss allowance to noncurrent loans | 225.1908% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 6,697 |
| Noncurrent loans to loans | 0.2853% | 6,710 |
| Net loans and leases to total assets | 64.9915% | 4,376 |
| Net loans and leases to deposits | 75.7978% | 4,777 |
| Net loans and leases to core deposits | 84.2105% | 5,693 |
| Total domestic deposits to total assets | 85.7433% | 3,143 |
| Equity capital to assets | 8.8415% | 5,365 |
| Core capital (leverage) ratio | 8.1984% | 5,813 |
| Tier 1 risk-based capital ratio | 11.2304% | 5,681 |
| Total risk-based capital ratio | 11.8843% | 6,236 |
| Memoranda: | ||
| Average total assets | $137,986,000 | 4,165 |
| Average earning assets | $116,524,600 | 4,386 |
| Average equity | $12,018,000 | 4,746 |
| Average total loans | $88,277,200 | 4,261 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9166% | 2,372 |
| Cost of funding earning assets | 1.4403% | 6,077 |
| Net interest margin | 4.4763% | 1,253 |
| Noninterest income to average assets | 2.5242% | 264 |
| Noninterest expense to average assets | 5.7209% | 342 |
| Loan and lease loss provision to assets | 0.0650% | 6,706 |
| Net operating income to assets | 0.3558% | 4,569 |
| Return on assets (ROA) | 0.5415% | 3,911 |
| Pretax return on assets | 0.8230% | 3,462 |
| Return on Equity (ROE) | 6.2417% | 3,419 |
| Retained earnings to average equity (ytd only) | 6.2417% | 1,832 |
| Net charge-offs to loans | 0.2106% | 4,718 |
| Credit loss provision to net charge-offs | 48.5507% | 6,332 |
| Earnings coverage of net charge-offs (x) | 4.5289% | 3,106 |
| Efficiency ratio | 90.4141% | 1,655 |
| Assets per employee ($millions) | 1.7464% | 7,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6878% | 7,403 |
| Loan loss allowance to noncurrent loans | 312.6263% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 6,884 |
| Noncurrent loans to loans | 0.2200% | 6,945 |
| Net loans and leases to total assets | 65.6142% | 4,506 |
| Net loans and leases to deposits | 78.5149% | 4,660 |
| Net loans and leases to core deposits | 87.2825% | 5,722 |
| Total domestic deposits to total assets | 83.5691% | 3,920 |
| Equity capital to assets | 8.9826% | 5,504 |
| Core capital (leverage) ratio | 8.4993% | 5,496 |
| Tier 1 risk-based capital ratio | 11.2725% | 5,657 |
| Total risk-based capital ratio | 11.9623% | 6,207 |
| Memoranda: | ||
| Average total assets | $137,386,750 | 4,202 |
| Average earning assets | $116,729,750 | 4,416 |
| Average equity | $11,919,500 | 4,815 |
| Average total loans | $87,389,750 | 4,327 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9986% | 2,186 |
| Cost of funding earning assets | 1.4809% | 6,215 |
| Net interest margin | 4.5177% | 1,129 |
| Noninterest income to average assets | 2.5026% | 264 |
| Noninterest expense to average assets | 5.8472% | 335 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2830% | 4,974 |
| Return on assets (ROA) | 0.4994% | 4,218 |
| Pretax return on assets | 0.7287% | 3,905 |
| Return on Equity (ROE) | 5.8236% | 3,739 |
| Retained earnings to average equity (ytd only) | 5.8236% | 2,106 |
| Net charge-offs to loans | 0.1872% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 3.5309% | 3,406 |
| Efficiency ratio | 93.3704% | 1,541 |
| Assets per employee ($millions) | 1.7468% | 8,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7177% | 7,379 |
| Loan loss allowance to noncurrent loans | 145.0000% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 6,694 |
| Noncurrent loans to loans | 0.4950% | 6,289 |
| Net loans and leases to total assets | 61.8284% | 5,387 |
| Net loans and leases to deposits | 73.6576% | 5,508 |
| Net loans and leases to core deposits | 80.5762% | 6,354 |
| Total domestic deposits to total assets | 83.9403% | 3,804 |
| Equity capital to assets | 8.8023% | 5,595 |
| Core capital (leverage) ratio | 8.3710% | 5,677 |
| Tier 1 risk-based capital ratio | 12.2714% | 4,701 |
| Total risk-based capital ratio | 13.0074% | 5,061 |
| Memoranda: | ||
| Average total assets | $137,776,000 | 4,223 |
| Average earning assets | $114,660,670 | 4,498 |
| Average equity | $11,814,000 | 4,866 |
| Average total loans | $86,520,330 | 4,379 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2795% | 1,362 |
| Cost of funding earning assets | 1.5762% | 6,135 |
| Net interest margin | 4.7032% | 758 |
| Noninterest income to average assets | 2.4051% | 263 |
| Noninterest expense to average assets | 5.8929% | 302 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1831% | 5,707 |
| Return on assets (ROA) | 0.4013% | 5,036 |
| Pretax return on assets | 0.5544% | 4,897 |
| Return on Equity (ROE) | 4.7422% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.7422% | 3,271 |
| Net charge-offs to loans | 0.0778% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.1176% | 2,742 |
| Efficiency ratio | 95.9117% | 1,324 |
| Assets per employee ($millions) | 1.6614% | 8,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 7,111 |
| Loan loss allowance to noncurrent loans | 156.8765% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 6,567 |
| Noncurrent loans to loans | 0.5186% | 6,131 |
| Net loans and leases to total assets | 60.2249% | 5,619 |
| Net loans and leases to deposits | 71.5420% | 5,806 |
| Net loans and leases to core deposits | 77.3644% | 6,585 |
| Total domestic deposits to total assets | 84.1811% | 3,616 |
| Equity capital to assets | 8.6622% | 5,821 |
| Core capital (leverage) ratio | 8.2670% | 5,968 |
| Tier 1 risk-based capital ratio | 12.9260% | 4,227 |
| Total risk-based capital ratio | 13.7616% | 4,460 |
| Memoranda: | ||
| Average total assets | $138,540,000 | 4,218 |
| Average earning assets | $110,137,000 | 4,636 |
| Average equity | $11,724,500 | 4,916 |
| Average total loans | $87,356,000 | 4,378 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4119% | 3,353 |
| Cost of funding earning assets | 2.0614% | 6,190 |
| Net interest margin | 4.3505% | 1,825 |
| Noninterest income to average assets | 3.6726% | 160 |
| Noninterest expense to average assets | 5.8461% | 429 |
| Loan and lease loss provision to assets | 0.1200% | 5,830 |
| Net operating income to assets | 0.9526% | 2,780 |
| Return on assets (ROA) | 1.0137% | 2,385 |
| Pretax return on assets | 1.6001% | 1,384 |
| Return on Equity (ROE) | 12.0141% | 1,592 |
| Retained earnings to average equity (ytd only) | 12.0141% | 225 |
| Net charge-offs to loans | 0.0368% | 6,287 |
| Credit loss provision to net charge-offs | 475.7576% | 925 |
| Earnings coverage of net charge-offs (x) | 64.3939% | 632 |
| Efficiency ratio | 78.2542% | 2,876 |
| Assets per employee ($millions) | 1.6767% | 8,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7501% | 7,284 |
| Loan loss allowance to noncurrent loans | 305.3097% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 6,928 |
| Noncurrent loans to loans | 0.2457% | 6,649 |
| Net loans and leases to total assets | 64.8242% | 5,101 |
| Net loans and leases to deposits | 76.7835% | 5,497 |
| Net loans and leases to core deposits | 82.3229% | 6,429 |
| Total domestic deposits to total assets | 84.4246% | 3,116 |
| Equity capital to assets | 8.2701% | 6,458 |
| Core capital (leverage) ratio | 7.9293% | 6,603 |
| Tier 1 risk-based capital ratio | 11.6075% | 5,150 |
| Total risk-based capital ratio | 12.3734% | 5,505 |
| Memoranda: | ||
| Average total assets | $130,804,800 | 4,262 |
| Average earning assets | $114,193,600 | 4,410 |
| Average equity | $11,037,000 | 5,108 |
| Average total loans | $89,610,600 | 4,240 |