Home > Bank Midwest > Performance and Condition Ratios
Bank Midwest, 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 | 5.2285% | 1,610 |
| Cost of funding earning assets | 1.9088% | 1,054 |
| Net interest margin | 3.3197% | 2,580 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.6140% | 1,965 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.7288% | 3,109 |
| Return on assets (ROA) | 0.6249% | 3,355 |
| Pretax return on assets | 0.8221% | 3,160 |
| Return on Equity (ROE) | 8.1100% | 2,991 |
| Retained earnings to average equity (ytd only) | 6.6345% | 2,012 |
| Net charge-offs to loans | 0.1721% | 619 |
| Credit loss provision to net charge-offs | 117.9002% | 1,697 |
| Earnings coverage of net charge-offs (x) | 9.2834% | 2,301 |
| Efficiency ratio | 67.9261% | 2,119 |
| Assets per employee ($millions) | 7.5651% | 1,686 |
| Cash dividends to net income (ytd only)* | 18.1862% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 4,014 |
| Loan loss allowance to noncurrent loans | 294.1009% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 2,193 |
| Noncurrent loans to loans | 0.2643% | 2,236 |
| Net loans and leases to total assets | 77.5800% | 904 |
| Net loans and leases to deposits | 97.9448% | 657 |
| Net loans and leases to core deposits | 109.3506% | 979 |
| Total domestic deposits to total assets | 79.2100% | 3,581 |
| Equity capital to assets | 8.0090% | 3,409 |
| Core capital (leverage) ratio | 9.1225% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1895% | 2,792 |
| Memoranda: | ||
| Average total assets | $1,319,869,000 | 795 |
| Average earning assets | $1,214,858,600 | 789 |
| Average equity | $101,710,800 | 931 |
| Average total loans | $1,013,049,200 | 717 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1205% | 1,591 |
| Cost of funding earning assets | 1.7809% | 1,040 |
| Net interest margin | 3.3395% | 2,598 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 2.5427% | 2,106 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.8322% | 2,923 |
| Return on assets (ROA) | 0.6872% | 3,336 |
| Pretax return on assets | 0.9148% | 3,066 |
| Return on Equity (ROE) | 9.0100% | 2,925 |
| Retained earnings to average equity (ytd only) | 7.0074% | 2,285 |
| Net charge-offs to loans | 0.1031% | 769 |
| Credit loss provision to net charge-offs | 86.0285% | 1,724 |
| Earnings coverage of net charge-offs (x) | 16.8060% | 1,918 |
| Efficiency ratio | 65.6314% | 2,314 |
| Assets per employee ($millions) | 7.2680% | 1,773 |
| Cash dividends to net income (ytd only)* | 22.2255% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7696% | 4,036 |
| Loan loss allowance to noncurrent loans | 535.5147% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 2,812 |
| Noncurrent loans to loans | 0.1437% | 2,830 |
| Net loans and leases to total assets | 78.3000% | 849 |
| Net loans and leases to deposits | 96.2593% | 735 |
| Net loans and leases to core deposits | 106.9428% | 978 |
| Total domestic deposits to total assets | 81.3400% | 3,330 |
| Equity capital to assets | 7.8368% | 3,158 |
| Core capital (leverage) ratio | 9.0203% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3770% | 2,757 |
| Memoranda: | ||
| Average total assets | $1,309,404,750 | 804 |
| Average earning assets | $1,207,880,000 | 795 |
| Average equity | $99,873,250 | 942 |
| Average total loans | $1,000,128,750 | 725 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9778% | 1,598 |
| Cost of funding earning assets | 1.6107% | 1,036 |
| Net interest margin | 3.3671% | 2,603 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.6778% | 1,695 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8356% | 2,973 |
| Return on assets (ROA) | 0.8356% | 2,985 |
| Pretax return on assets | 1.0991% | 2,650 |
| Return on Equity (ROE) | 11.0500% | 2,403 |
| Retained earnings to average equity (ytd only) | 8.0266% | 1,951 |
| Net charge-offs to loans | 0.0507% | 1,008 |
| Credit loss provision to net charge-offs | 158.7302% | 1,165 |
| Earnings coverage of net charge-offs (x) | 30.2341% | 1,546 |
| Efficiency ratio | 69.6235% | 1,801 |
| Assets per employee ($millions) | 6.8626% | 2,031 |
| Cash dividends to net income (ytd only)* | 27.3324% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 3,575 |
| Loan loss allowance to noncurrent loans | 590.3364% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 2,670 |
| Noncurrent loans to loans | 0.1625% | 2,664 |
| Net loans and leases to total assets | 76.0100% | 1,046 |
| Net loans and leases to deposits | 93.6023% | 901 |
| Net loans and leases to core deposits | 102.7286% | 1,107 |
| Total domestic deposits to total assets | 81.2100% | 3,392 |
| Equity capital to assets | 7.7102% | 3,397 |
| Core capital (leverage) ratio | 8.9501% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3841% | 2,784 |
| Memoranda: | ||
| Average total assets | $1,313,611,667 | 786 |
| Average earning assets | $1,210,884,667 | 784 |
| Average equity | $99,369,333 | 938 |
| Average total loans | $993,227,667 | 715 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 1,554 |
| Cost of funding earning assets | 1.4214% | 992 |
| Net interest margin | 3.4083% | 2,611 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.7427% | 1,563 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.7547% | 3,330 |
| Return on assets (ROA) | 0.7547% | 3,283 |
| Pretax return on assets | 0.9968% | 3,006 |
| Return on Equity (ROE) | 10.0700% | 2,767 |
| Retained earnings to average equity (ytd only) | 7.0278% | 2,486 |
| Net charge-offs to loans | 0.0531% | 835 |
| Credit loss provision to net charge-offs | 198.4733% | 833 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,345 |
| Efficiency ratio | 71.6744% | 1,563 |
| Assets per employee ($millions) | 6.6488% | 2,232 |
| Cash dividends to net income (ytd only)* | 30.2297% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 3,615 |
| Loan loss allowance to noncurrent loans | 1,328.6897% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 3,229 |
| Noncurrent loans to loans | 0.0735% | 3,207 |
| Net loans and leases to total assets | 75.3700% | 1,040 |
| Net loans and leases to deposits | 89.8296% | 1,065 |
| Net loans and leases to core deposits | 102.1236% | 996 |
| Total domestic deposits to total assets | 83.9000% | 3,109 |
| Equity capital to assets | 7.7120% | 3,437 |
| Core capital (leverage) ratio | 8.8872% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5164% | 2,848 |
| Memoranda: | ||
| Average total assets | $1,315,036,000 | 801 |
| Average earning assets | $1,207,288,500 | 799 |
| Average equity | $98,522,500 | 960 |
| Average total loans | $986,828,000 | 733 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1433% | 1,363 |
| Cost of funding earning assets | 0.4808% | 1,524 |
| Net interest margin | 3.6625% | 1,466 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 2.7748% | 1,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1410% | 2,006 |
| Return on assets (ROA) | 1.1406% | 1,956 |
| Pretax return on assets | 1.5068% | 1,436 |
| Return on Equity (ROE) | 14.5000% | 1,402 |
| Retained earnings to average equity (ytd only) | 9.3963% | 1,359 |
| Net charge-offs to loans | 0.0450% | 1,236 |
| Credit loss provision to net charge-offs | 14.9254% | 1,946 |
| Earnings coverage of net charge-offs (x) | 46.8358% | 1,402 |
| Efficiency ratio | 64.5671% | 2,423 |
| Assets per employee ($millions) | 7.0187% | 1,960 |
| Cash dividends to net income (ytd only)* | 35.2088% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 3,557 |
| Loan loss allowance to noncurrent loans | 850.0894% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 2,963 |
| Noncurrent loans to loans | 0.1133% | 2,960 |
| Net loans and leases to total assets | 73.2900% | 1,283 |
| Net loans and leases to deposits | 88.4094% | 1,147 |
| Net loans and leases to core deposits | 98.3021% | 1,088 |
| Total domestic deposits to total assets | 82.9000% | 3,439 |
| Equity capital to assets | 7.2782% | 3,501 |
| Core capital (leverage) ratio | 8.9874% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2035% | 2,939 |
| Memoranda: | ||
| Average total assets | $1,245,085,800 | 829 |
| Average earning assets | $1,153,774,200 | 822 |
| Average equity | $97,921,600 | 958 |
| Average total loans | $892,495,000 | 753 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0070% | 1,257 |
| Cost of funding earning assets | 0.3309% | 1,851 |
| Net interest margin | 3.6761% | 1,202 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 2.8170% | 1,216 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1540% | 1,881 |
| Return on assets (ROA) | 1.1540% | 1,855 |
| Pretax return on assets | 1.5321% | 1,317 |
| Return on Equity (ROE) | 14.3800% | 1,331 |
| Retained earnings to average equity (ytd only) | 9.2861% | 1,559 |
| Net charge-offs to loans | 0.0460% | 1,025 |
| Credit loss provision to net charge-offs | 15.0000% | 1,645 |
| Earnings coverage of net charge-offs (x) | 46.9933% | 1,316 |
| Efficiency ratio | 64.5391% | 2,476 |
| Assets per employee ($millions) | 6.4433% | 2,368 |
| Cash dividends to net income (ytd only)* | 35.4275% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 3,215 |
| Loan loss allowance to noncurrent loans | 857.8712% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 3,023 |
| Noncurrent loans to loans | 0.1233% | 3,029 |
| Net loans and leases to total assets | 73.2700% | 1,158 |
| Net loans and leases to deposits | 84.9483% | 1,239 |
| Net loans and leases to core deposits | 86.8218% | 1,479 |
| Total domestic deposits to total assets | 86.2600% | 2,999 |
| Equity capital to assets | 7.4296% | 3,260 |
| Core capital (leverage) ratio | 9.0628% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0221% | 2,808 |
| Memoranda: | ||
| Average total assets | $1,222,969,250 | 849 |
| Average earning assets | $1,140,052,250 | 832 |
| Average equity | $98,137,500 | 964 |
| Average total loans | $868,905,000 | 766 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 1,194 |
| Cost of funding earning assets | 0.2531% | 2,223 |
| Net interest margin | 3.6050% | 1,057 |
| Noninterest income to average assets | 0.9158% | 813 |
| Noninterest expense to average assets | 2.8351% | 1,106 |
| Loan and lease loss provision to assets | 0.0049% | 2,517 |
| Net operating income to assets | 1.0985% | 1,774 |
| Return on assets (ROA) | 1.0985% | 1,750 |
| Pretax return on assets | 1.4429% | 1,327 |
| Return on Equity (ROE) | 13.3590% | 1,277 |
| Retained earnings to average equity (ytd only) | 8.3854% | 1,481 |
| Net charge-offs to loans | 0.0012% | 2,102 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 1,770.0000% | 61 |
| Efficiency ratio | 66.0313% | 2,502 |
| Assets per employee ($millions) | 6.3070% | 2,477 |
| Cash dividends to net income (ytd only)* | 37.2301% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 3,055 |
| Loan loss allowance to noncurrent loans | 835.8171% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 3,021 |
| Noncurrent loans to loans | 0.1347% | 3,034 |
| Net loans and leases to total assets | 71.9616% | 1,105 |
| Net loans and leases to deposits | 83.2467% | 1,171 |
| Net loans and leases to core deposits | 86.3033% | 1,322 |
| Total domestic deposits to total assets | 86.4437% | 3,128 |
| Equity capital to assets | 7.5614% | 3,428 |
| Core capital (leverage) ratio | 8.9208% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1166% | 2,783 |
| Memoranda: | ||
| Average total assets | $1,222,552,333 | 845 |
| Average earning assets | $1,141,854,333 | 838 |
| Average equity | $100,531,667 | 965 |
| Average total loans | $856,330,333 | 765 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7388% | 1,198 |
| Cost of funding earning assets | 0.2303% | 2,394 |
| Net interest margin | 3.5085% | 1,077 |
| Noninterest income to average assets | 0.9527% | 755 |
| Noninterest expense to average assets | 2.8550% | 1,051 |
| Loan and lease loss provision to assets | 0.0049% | 2,221 |
| Net operating income to assets | 1.0121% | 1,824 |
| Return on assets (ROA) | 1.0121% | 1,819 |
| Pretax return on assets | 1.3827% | 1,290 |
| Return on Equity (ROE) | 11.8419% | 1,368 |
| Retained earnings to average equity (ytd only) | 7.0915% | 1,861 |
| Net charge-offs to loans | -0.0151% | 3,772 |
| Credit loss provision to net charge-offs | -46.8750% | 2,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1337% | 2,613 |
| Assets per employee ($millions) | 6.4677% | 2,409 |
| Cash dividends to net income (ytd only)* | 40.1155% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 2,930 |
| Loan loss allowance to noncurrent loans | 728.4978% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 3,036 |
| Noncurrent loans to loans | 0.1628% | 2,993 |
| Net loans and leases to total assets | 67.0832% | 1,302 |
| Net loans and leases to deposits | 73.5937% | 1,645 |
| Net loans and leases to core deposits | 75.9439% | 1,786 |
| Total domestic deposits to total assets | 91.1534% | 953 |
| Equity capital to assets | 8.1290% | 3,469 |
| Core capital (leverage) ratio | 8.7311% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3340% | 2,821 |
| Memoranda: | ||
| Average total assets | $1,231,507,000 | 835 |
| Average earning assets | $1,154,811,500 | 829 |
| Average equity | $105,253,500 | 958 |
| Average total loans | $846,120,000 | 768 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 1,207 |
| Cost of funding earning assets | 0.3232% | 2,171 |
| Net interest margin | 3.7500% | 1,102 |
| Noninterest income to average assets | 0.9775% | 1,044 |
| Noninterest expense to average assets | 2.9261% | 1,104 |
| Loan and lease loss provision to assets | -0.1196% | 4,576 |
| Net operating income to assets | 1.2638% | 1,708 |
| Return on assets (ROA) | 1.2781% | 1,721 |
| Pretax return on assets | 1.7061% | 1,129 |
| Return on Equity (ROE) | 13.9896% | 1,190 |
| Retained earnings to average equity (ytd only) | 9.3161% | 1,096 |
| Net charge-offs to loans | 0.0449% | 1,385 |
| Credit loss provision to net charge-offs | -380.4348% | 3,681 |
| Earnings coverage of net charge-offs (x) | 49.9076% | 1,297 |
| Efficiency ratio | 64.9199% | 2,417 |
| Assets per employee ($millions) | 6.5299% | 2,309 |
| Cash dividends to net income (ytd only)* | 33.4068% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 3,138 |
| Loan loss allowance to noncurrent loans | 861.4173% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 3,291 |
| Noncurrent loans to loans | 0.1332% | 3,267 |
| Net loans and leases to total assets | 68.7226% | 1,185 |
| Net loans and leases to deposits | 78.6772% | 1,333 |
| Net loans and leases to core deposits | 81.4283% | 1,495 |
| Total domestic deposits to total assets | 87.3475% | 2,361 |
| Equity capital to assets | 8.9626% | 3,660 |
| Core capital (leverage) ratio | 8.6611% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9741% | 2,898 |
| Memoranda: | ||
| Average total assets | $1,171,004,000 | 848 |
| Average earning assets | $1,098,245,200 | 838 |
| Average equity | $106,987,000 | 955 |
| Average total loans | $819,058,400 | 787 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 1,238 |
| Cost of funding earning assets | 0.3465% | 2,148 |
| Net interest margin | 3.7831% | 1,152 |
| Noninterest income to average assets | 1.0144% | 1,049 |
| Noninterest expense to average assets | 2.9259% | 1,087 |
| Loan and lease loss provision to assets | -0.1616% | 4,700 |
| Net operating income to assets | 1.3220% | 1,750 |
| Return on assets (ROA) | 1.3220% | 1,811 |
| Pretax return on assets | 1.7960% | 1,171 |
| Return on Equity (ROE) | 14.3962% | 1,283 |
| Retained earnings to average equity (ytd only) | 9.6829% | 1,417 |
| Net charge-offs to loans | 0.0397% | 1,296 |
| Credit loss provision to net charge-offs | -580.9129% | 3,695 |
| Earnings coverage of net charge-offs (x) | 58.7593% | 1,144 |
| Efficiency ratio | 63.9755% | 2,390 |
| Assets per employee ($millions) | 6.4651% | 2,282 |
| Cash dividends to net income (ytd only)* | 32.7397% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 2,758 |
| Loan loss allowance to noncurrent loans | 850.2131% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 3,452 |
| Noncurrent loans to loans | 0.1466% | 3,384 |
| Net loans and leases to total assets | 65.7230% | 1,576 |
| Net loans and leases to deposits | 72.8902% | 1,972 |
| Net loans and leases to core deposits | 75.6224% | 2,092 |
| Total domestic deposits to total assets | 90.1671% | 699 |
| Equity capital to assets | 9.1787% | 3,673 |
| Core capital (leverage) ratio | 8.7651% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7731% | 2,786 |
| Memoranda: | ||
| Average total assets | $1,155,218,250 | 867 |
| Average earning assets | $1,082,781,500 | 857 |
| Average equity | $106,080,750 | 979 |
| Average total loans | $809,327,000 | 806 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9196% | 1,768 |
| Cost of funding earning assets | 0.3778% | 2,066 |
| Net interest margin | 3.5418% | 1,744 |
| Noninterest income to average assets | 1.0128% | 1,050 |
| Noninterest expense to average assets | 2.9189% | 1,116 |
| Loan and lease loss provision to assets | -0.2457% | 4,805 |
| Net operating income to assets | 1.2111% | 2,149 |
| Return on assets (ROA) | 1.2111% | 2,222 |
| Pretax return on assets | 1.6555% | 1,596 |
| Return on Equity (ROE) | 13.1869% | 1,651 |
| Retained earnings to average equity (ytd only) | 8.4090% | 1,931 |
| Net charge-offs to loans | 0.0374% | 1,259 |
| Credit loss provision to net charge-offs | -921.0526% | 3,638 |
| Earnings coverage of net charge-offs (x) | 52.8421% | 1,033 |
| Efficiency ratio | 67.2370% | 1,976 |
| Assets per employee ($millions) | 6.1816% | 2,446 |
| Cash dividends to net income (ytd only)* | 36.2319% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,763 |
| Loan loss allowance to noncurrent loans | 1,034.0185% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 3,650 |
| Noncurrent loans to loans | 0.1191% | 3,594 |
| Net loans and leases to total assets | 69.4075% | 1,274 |
| Net loans and leases to deposits | 76.8904% | 1,739 |
| Net loans and leases to core deposits | 80.1505% | 1,878 |
| Total domestic deposits to total assets | 90.2680% | 660 |
| Equity capital to assets | 9.1666% | 3,639 |
| Core capital (leverage) ratio | 8.5938% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8404% | 2,761 |
| Memoranda: | ||
| Average total assets | $1,139,456,667 | 869 |
| Average earning assets | $1,066,795,000 | 861 |
| Average equity | $104,649,667 | 981 |
| Average total loans | $812,338,000 | 808 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 1,902 |
| Cost of funding earning assets | 0.4132% | 1,990 |
| Net interest margin | 3.4588% | 1,939 |
| Noninterest income to average assets | 1.1088% | 968 |
| Noninterest expense to average assets | 2.9423% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0183% | 2,754 |
| Return on assets (ROA) | 1.0183% | 2,838 |
| Pretax return on assets | 1.4048% | 2,267 |
| Return on Equity (ROE) | 11.0771% | 2,341 |
| Retained earnings to average equity (ytd only) | 6.2559% | 2,808 |
| Net charge-offs to loans | 0.0237% | 1,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 82.5417% | 689 |
| Efficiency ratio | 67.4878% | 2,010 |
| Assets per employee ($millions) | 6.2381% | 2,381 |
| Cash dividends to net income (ytd only)* | 43.5237% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 1,780 |
| Loan loss allowance to noncurrent loans | 978.4264% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 3,675 |
| Noncurrent loans to loans | 0.1482% | 3,585 |
| Net loans and leases to total assets | 67.7643% | 1,557 |
| Net loans and leases to deposits | 74.8988% | 2,030 |
| Net loans and leases to core deposits | 78.6641% | 2,124 |
| Total domestic deposits to total assets | 90.4746% | 594 |
| Equity capital to assets | 8.9165% | 3,768 |
| Core capital (leverage) ratio | 8.6240% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1326% | 2,618 |
| Memoranda: | ||
| Average total assets | $1,128,110,000 | 866 |
| Average earning assets | $1,056,219,500 | 858 |
| Average equity | $103,709,500 | 979 |
| Average total loans | $810,167,000 | 806 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 985 |
| Cost of funding earning assets | 0.7061% | 1,692 |
| Net interest margin | 3.9470% | 1,096 |
| Noninterest income to average assets | 1.0616% | 944 |
| Noninterest expense to average assets | 3.1335% | 1,172 |
| Loan and lease loss provision to assets | 0.1890% | 2,056 |
| Net operating income to assets | 1.0653% | 2,046 |
| Return on assets (ROA) | 1.0987% | 2,047 |
| Pretax return on assets | 1.4474% | 1,522 |
| Return on Equity (ROE) | 11.6226% | 1,437 |
| Retained earnings to average equity (ytd only) | 11.6226% | 365 |
| Net charge-offs to loans | -0.0102% | 4,262 |
| Credit loss provision to net charge-offs | -2,378.0488% | 4,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9900% | 2,529 |
| Assets per employee ($millions) | 5.9887% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 1,927 |
| Loan loss allowance to noncurrent loans | 831.9484% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 3,648 |
| Noncurrent loans to loans | 0.1697% | 3,602 |
| Net loans and leases to total assets | 73.9912% | 1,020 |
| Net loans and leases to deposits | 82.3839% | 1,618 |
| Net loans and leases to core deposits | 87.4920% | 1,747 |
| Total domestic deposits to total assets | 89.8127% | 633 |
| Equity capital to assets | 9.4862% | 3,626 |
| Core capital (leverage) ratio | 8.7558% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7570% | 2,710 |
| Memoranda: | ||
| Average total assets | $1,031,482,000 | 858 |
| Average earning assets | $958,068,000 | 850 |
| Average equity | $97,508,400 | 981 |
| Average total loans | $806,133,400 | 781 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 773 |
| Cost of funding earning assets | 0.7535% | 1,716 |
| Net interest margin | 4.1225% | 854 |
| Noninterest income to average assets | 1.0085% | 1,009 |
| Noninterest expense to average assets | 3.0923% | 1,249 |
| Loan and lease loss provision to assets | 0.2561% | 1,586 |
| Net operating income to assets | 1.0364% | 2,202 |
| Return on assets (ROA) | 1.0684% | 2,214 |
| Pretax return on assets | 1.5261% | 1,390 |
| Return on Equity (ROE) | 11.3121% | 1,584 |
| Retained earnings to average equity (ytd only) | 11.3121% | 518 |
| Net charge-offs to loans | 0.0248% | 2,340 |
| Credit loss provision to net charge-offs | 1,308.7248% | 690 |
| Earnings coverage of net charge-offs (x) | 89.0201% | 855 |
| Efficiency ratio | 63.6840% | 2,792 |
| Assets per employee ($millions) | 5.7064% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 1,866 |
| Loan loss allowance to noncurrent loans | 1,040.4936% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 3,927 |
| Noncurrent loans to loans | 0.1318% | 3,853 |
| Net loans and leases to total assets | 75.4897% | 1,163 |
| Net loans and leases to deposits | 83.7687% | 1,931 |
| Net loans and leases to core deposits | 89.6690% | 2,006 |
| Total domestic deposits to total assets | 90.1168% | 390 |
| Equity capital to assets | 9.2938% | 3,863 |
| Core capital (leverage) ratio | 8.7200% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5677% | 2,770 |
| Memoranda: | ||
| Average total assets | $1,015,370,750 | 857 |
| Average earning assets | $942,227,000 | 849 |
| Average equity | $95,895,000 | 983 |
| Average total loans | $802,040,750 | 776 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2245% | 538 |
| Cost of funding earning assets | 0.8201% | 1,728 |
| Net interest margin | 4.4044% | 611 |
| Noninterest income to average assets | 0.9250% | 1,112 |
| Noninterest expense to average assets | 3.0918% | 1,374 |
| Loan and lease loss provision to assets | 0.3627% | 1,162 |
| Net operating income to assets | 1.0498% | 2,148 |
| Return on assets (ROA) | 1.0987% | 2,089 |
| Pretax return on assets | 1.6052% | 1,210 |
| Return on Equity (ROE) | 11.5666% | 1,461 |
| Retained earnings to average equity (ytd only) | 11.5666% | 519 |
| Net charge-offs to loans | 0.0626% | 1,618 |
| Credit loss provision to net charge-offs | 725.8065% | 977 |
| Earnings coverage of net charge-offs (x) | 38.1371% | 1,286 |
| Efficiency ratio | 61.5806% | 3,188 |
| Assets per employee ($millions) | 5.5043% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 1,870 |
| Loan loss allowance to noncurrent loans | 311.9641% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 2,948 |
| Noncurrent loans to loans | 0.4271% | 2,881 |
| Net loans and leases to total assets | 78.4257% | 801 |
| Net loans and leases to deposits | 90.0417% | 1,352 |
| Net loans and leases to core deposits | 97.3606% | 1,468 |
| Total domestic deposits to total assets | 87.0993% | 1,573 |
| Equity capital to assets | 9.3228% | 3,811 |
| Core capital (leverage) ratio | 8.5882% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0540% | 2,953 |
| Memoranda: | ||
| Average total assets | $992,423,333 | 859 |
| Average earning assets | $917,722,333 | 860 |
| Average equity | $94,271,667 | 991 |
| Average total loans | $792,770,333 | 775 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0521% | 877 |
| Cost of funding earning assets | 0.9295% | 1,743 |
| Net interest margin | 4.1226% | 1,089 |
| Noninterest income to average assets | 1.0123% | 833 |
| Noninterest expense to average assets | 3.2017% | 1,418 |
| Loan and lease loss provision to assets | 0.0623% | 2,987 |
| Net operating income to assets | 1.1201% | 1,785 |
| Return on assets (ROA) | 1.2208% | 1,561 |
| Pretax return on assets | 1.6690% | 910 |
| Return on Equity (ROE) | 12.7227% | 929 |
| Retained earnings to average equity (ytd only) | 12.7227% | 347 |
| Net charge-offs to loans | 0.0275% | 1,827 |
| Credit loss provision to net charge-offs | 283.0189% | 1,218 |
| Earnings coverage of net charge-offs (x) | 72.8491% | 707 |
| Efficiency ratio | 66.2114% | 2,928 |
| Assets per employee ($millions) | 5.3398% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,452 |
| Loan loss allowance to noncurrent loans | 252.7154% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 2,877 |
| Noncurrent loans to loans | 0.4908% | 2,792 |
| Net loans and leases to total assets | 78.8754% | 845 |
| Net loans and leases to deposits | 92.0057% | 1,284 |
| Net loans and leases to core deposits | 100.6710% | 1,421 |
| Total domestic deposits to total assets | 85.7288% | 2,114 |
| Equity capital to assets | 9.6083% | 4,126 |
| Core capital (leverage) ratio | 9.3355% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4905% | 3,229 |
| Memoranda: | ||
| Average total assets | $962,976,000 | 853 |
| Average earning assets | $886,047,500 | 860 |
| Average equity | $92,401,500 | 1,007 |
| Average total loans | $771,336,500 | 767 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1027% | 1,210 |
| Cost of funding earning assets | 1.1061% | 1,297 |
| Net interest margin | 3.9966% | 1,869 |
| Noninterest income to average assets | 1.0223% | 928 |
| Noninterest expense to average assets | 3.2134% | 1,489 |
| Loan and lease loss provision to assets | 0.0840% | 2,329 |
| Net operating income to assets | 1.0655% | 2,600 |
| Return on assets (ROA) | 1.1051% | 2,519 |
| Pretax return on assets | 1.4537% | 1,963 |
| Return on Equity (ROE) | 11.4722% | 1,701 |
| Retained earnings to average equity (ytd only) | 0.8560% | 4,431 |
| Net charge-offs to loans | 0.0377% | 2,636 |
| Credit loss provision to net charge-offs | 277.5801% | 1,017 |
| Earnings coverage of net charge-offs (x) | 49.1815% | 1,141 |
| Efficiency ratio | 67.9131% | 2,476 |
| Assets per employee ($millions) | 5.1285% | 2,419 |
| Cash dividends to net income (ytd only)* | 92.5385% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,128 |
| Loan loss allowance to noncurrent loans | 381.6010% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 3,373 |
| Noncurrent loans to loans | 0.3294% | 3,257 |
| Net loans and leases to total assets | 79.3296% | 884 |
| Net loans and leases to deposits | 90.7902% | 1,506 |
| Net loans and leases to core deposits | 100.1388% | 1,548 |
| Total domestic deposits to total assets | 87.3768% | 1,418 |
| Equity capital to assets | 9.5822% | 4,286 |
| Core capital (leverage) ratio | 9.0250% | 4,516 |
| Tier 1 risk-based capital ratio | 10.1396% | 5,102 |
| Total risk-based capital ratio | 11.3105% | 5,070 |
| Memoranda: | ||
| Average total assets | $928,998,600 | 844 |
| Average earning assets | $855,094,600 | 846 |
| Average equity | $89,486,200 | 980 |
| Average total loans | $745,750,600 | 765 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1044% | 1,276 |
| Cost of funding earning assets | 1.1291% | 1,247 |
| Net interest margin | 3.9752% | 2,036 |
| Noninterest income to average assets | 1.0226% | 896 |
| Noninterest expense to average assets | 3.2026% | 1,465 |
| Loan and lease loss provision to assets | 0.0844% | 2,220 |
| Net operating income to assets | 1.0364% | 2,833 |
| Return on assets (ROA) | 1.0832% | 2,730 |
| Pretax return on assets | 1.4628% | 2,068 |
| Return on Equity (ROE) | 11.2298% | 1,916 |
| Retained earnings to average equity (ytd only) | 1.5064% | 4,433 |
| Net charge-offs to loans | 0.1580% | 1,047 |
| Credit loss provision to net charge-offs | 66.5529% | 2,655 |
| Earnings coverage of net charge-offs (x) | 11.7327% | 2,419 |
| Efficiency ratio | 67.8304% | 2,448 |
| Assets per employee ($millions) | 5.0225% | 2,532 |
| Cash dividends to net income (ytd only)* | 86.5859% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,501 |
| Loan loss allowance to noncurrent loans | 125.3423% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7466% | 1,838 |
| Noncurrent loans to loans | 0.9581% | 1,679 |
| Net loans and leases to total assets | 76.9895% | 1,321 |
| Net loans and leases to deposits | 86.7980% | 2,093 |
| Net loans and leases to core deposits | 95.6400% | 2,033 |
| Total domestic deposits to total assets | 88.6997% | 741 |
| Equity capital to assets | 9.7228% | 4,273 |
| Core capital (leverage) ratio | 9.1546% | 4,513 |
| Tier 1 risk-based capital ratio | 10.5184% | 5,072 |
| Total risk-based capital ratio | 11.6300% | 5,037 |
| Memoranda: | ||
| Average total assets | $924,055,250 | 847 |
| Average earning assets | $852,661,500 | 849 |
| Average equity | $89,129,500 | 985 |
| Average total loans | $741,628,500 | 768 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1479% | 1,113 |
| Cost of funding earning assets | 1.1339% | 1,185 |
| Net interest margin | 4.0140% | 1,879 |
| Noninterest income to average assets | 0.9626% | 938 |
| Noninterest expense to average assets | 3.2226% | 1,457 |
| Loan and lease loss provision to assets | 0.0849% | 2,144 |
| Net operating income to assets | 1.0122% | 2,873 |
| Return on assets (ROA) | 1.0457% | 2,813 |
| Pretax return on assets | 1.4033% | 2,200 |
| Return on Equity (ROE) | 10.8710% | 2,033 |
| Retained earnings to average equity (ytd only) | -2.1380% | 4,921 |
| Net charge-offs to loans | 0.0432% | 2,034 |
| Credit loss provision to net charge-offs | 242.2360% | 1,048 |
| Earnings coverage of net charge-offs (x) | 41.2609% | 1,226 |
| Efficiency ratio | 68.5842% | 2,433 |
| Assets per employee ($millions) | 4.8032% | 2,736 |
| Cash dividends to net income (ytd only)* | 119.6670% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 2,198 |
| Loan loss allowance to noncurrent loans | 266.8960% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 2,964 |
| Noncurrent loans to loans | 0.4719% | 2,866 |
| Net loans and leases to total assets | 80.4154% | 818 |
| Net loans and leases to deposits | 90.8509% | 1,650 |
| Net loans and leases to core deposits | 100.5688% | 1,671 |
| Total domestic deposits to total assets | 88.5136% | 874 |
| Equity capital to assets | 9.8562% | 4,089 |
| Core capital (leverage) ratio | 8.9528% | 4,667 |
| Tier 1 risk-based capital ratio | 10.1901% | 5,197 |
| Total risk-based capital ratio | 11.3592% | 5,148 |
| Memoranda: | ||
| Average total assets | $919,006,670 | 850 |
| Average earning assets | $848,428,670 | 851 |
| Average equity | $88,400,330 | 985 |
| Average total loans | $744,879,670 | 764 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0611% | 1,194 |
| Cost of funding earning assets | 1.1088% | 1,157 |
| Net interest margin | 3.9523% | 2,014 |
| Noninterest income to average assets | 0.9561% | 905 |
| Noninterest expense to average assets | 3.2412% | 1,404 |
| Loan and lease loss provision to assets | 0.0844% | 2,012 |
| Net operating income to assets | 0.9379% | 3,101 |
| Return on assets (ROA) | 0.9379% | 3,144 |
| Pretax return on assets | 1.2745% | 2,552 |
| Return on Equity (ROE) | 9.8699% | 2,421 |
| Retained earnings to average equity (ytd only) | -12.8928% | 5,170 |
| Net charge-offs to loans | -0.0037% | 3,957 |
| Credit loss provision to net charge-offs | -2,785.7143% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0085% | 2,337 |
| Assets per employee ($millions) | 4.9579% | 2,578 |
| Cash dividends to net income (ytd only)* | 230.6273% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 2,351 |
| Loan loss allowance to noncurrent loans | 181.5959% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 2,430 |
| Noncurrent loans to loans | 0.6857% | 2,305 |
| Net loans and leases to total assets | 79.8556% | 859 |
| Net loans and leases to deposits | 89.7106% | 1,665 |
| Net loans and leases to core deposits | 100.0129% | 1,621 |
| Total domestic deposits to total assets | 89.0147% | 855 |
| Equity capital to assets | 9.4049% | 4,338 |
| Core capital (leverage) ratio | 8.6105% | 4,941 |
| Tier 1 risk-based capital ratio | 10.0203% | 5,282 |
| Total risk-based capital ratio | 11.1945% | 5,250 |
| Memoranda: | ||
| Average total assets | $924,606,500 | 845 |
| Average earning assets | $852,470,000 | 850 |
| Average equity | $87,863,000 | 985 |
| Average total loans | $747,655,000 | 766 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 1,397 |
| Cost of funding earning assets | 0.8218% | 1,430 |
| Net interest margin | 4.0366% | 1,862 |
| Noninterest income to average assets | 1.1728% | 676 |
| Noninterest expense to average assets | 3.3110% | 1,298 |
| Loan and lease loss provision to assets | 0.0889% | 2,367 |
| Net operating income to assets | 1.0655% | 2,735 |
| Return on assets (ROA) | 1.0682% | 2,707 |
| Pretax return on assets | 1.4839% | 1,832 |
| Return on Equity (ROE) | 10.9061% | 2,122 |
| Retained earnings to average equity (ytd only) | 2.9083% | 3,942 |
| Net charge-offs to loans | 0.0331% | 2,744 |
| Credit loss provision to net charge-offs | 326.3598% | 959 |
| Earnings coverage of net charge-offs (x) | 57.6318% | 1,047 |
| Efficiency ratio | 67.3927% | 2,641 |
| Assets per employee ($millions) | 4.8033% | 2,738 |
| Cash dividends to net income (ytd only)* | 73.3333% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 2,507 |
| Loan loss allowance to noncurrent loans | 140.4732% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.6975% | 1,983 |
| Noncurrent loans to loans | 0.8626% | 1,876 |
| Net loans and leases to total assets | 79.8816% | 959 |
| Net loans and leases to deposits | 89.9876% | 1,801 |
| Net loans and leases to core deposits | 101.0273% | 1,640 |
| Total domestic deposits to total assets | 88.7696% | 961 |
| Equity capital to assets | 9.6001% | 4,047 |
| Core capital (leverage) ratio | 9.1095% | 4,550 |
| Tier 1 risk-based capital ratio | 10.4151% | 5,212 |
| Total risk-based capital ratio | 11.5685% | 5,150 |
| Memoranda: | ||
| Average total assets | $877,675,400 | 869 |
| Average earning assets | $806,153,800 | 875 |
| Average equity | $85,961,400 | 972 |
| Average total loans | $722,240,000 | 759 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 1,406 |
| Cost of funding earning assets | 0.7619% | 1,523 |
| Net interest margin | 4.0455% | 1,805 |
| Noninterest income to average assets | 1.1886% | 663 |
| Noninterest expense to average assets | 3.3130% | 1,272 |
| Loan and lease loss provision to assets | 0.0901% | 2,174 |
| Net operating income to assets | 1.0599% | 2,825 |
| Return on assets (ROA) | 1.1155% | 2,614 |
| Pretax return on assets | 1.5735% | 1,660 |
| Return on Equity (ROE) | 11.3296% | 2,042 |
| Retained earnings to average equity (ytd only) | 1.5492% | 4,708 |
| Net charge-offs to loans | 0.0608% | 1,953 |
| Credit loss provision to net charge-offs | 179.4479% | 1,500 |
| Earnings coverage of net charge-offs (x) | 31.7175% | 1,558 |
| Efficiency ratio | 67.0718% | 2,701 |
| Assets per employee ($millions) | 4.5798% | 3,005 |
| Cash dividends to net income (ytd only)* | 86.3260% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 2,532 |
| Loan loss allowance to noncurrent loans | 110.5792% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 1,693 |
| Noncurrent loans to loans | 1.1004% | 1,548 |
| Net loans and leases to total assets | 78.3940% | 1,278 |
| Net loans and leases to deposits | 88.1122% | 2,138 |
| Net loans and leases to core deposits | 99.6869% | 1,819 |
| Total domestic deposits to total assets | 88.9707% | 853 |
| Equity capital to assets | 9.4998% | 4,080 |
| Core capital (leverage) ratio | 9.2779% | 4,424 |
| Tier 1 risk-based capital ratio | 10.4904% | 5,242 |
| Total risk-based capital ratio | 11.6379% | 5,191 |
| Memoranda: | ||
| Average total assets | $865,333,250 | 877 |
| Average earning assets | $795,204,500 | 882 |
| Average equity | $85,202,500 | 977 |
| Average total loans | $715,394,750 | 763 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 1,283 |
| Cost of funding earning assets | 0.7049% | 1,593 |
| Net interest margin | 4.0828% | 1,608 |
| Noninterest income to average assets | 1.2544% | 609 |
| Noninterest expense to average assets | 3.3893% | 1,147 |
| Loan and lease loss provision to assets | 0.0918% | 2,091 |
| Net operating income to assets | 1.0497% | 2,811 |
| Return on assets (ROA) | 1.1346% | 2,468 |
| Pretax return on assets | 1.6290% | 1,405 |
| Return on Equity (ROE) | 11.3802% | 1,960 |
| Retained earnings to average equity (ytd only) | -1.8951% | 5,136 |
| Net charge-offs to loans | 0.0393% | 2,068 |
| Credit loss provision to net charge-offs | 278.5714% | 1,068 |
| Earnings coverage of net charge-offs (x) | 48.9714% | 1,141 |
| Efficiency ratio | 67.2954% | 2,764 |
| Assets per employee ($millions) | 4.3180% | 3,401 |
| Cash dividends to net income (ytd only)* | 116.6528% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,589 |
| Loan loss allowance to noncurrent loans | 104.0473% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.9834% | 1,529 |
| Noncurrent loans to loans | 1.1753% | 1,477 |
| Net loans and leases to total assets | 82.6474% | 634 |
| Net loans and leases to deposits | 93.4927% | 1,416 |
| Net loans and leases to core deposits | 104.6703% | 1,342 |
| Total domestic deposits to total assets | 88.3999% | 1,182 |
| Equity capital to assets | 9.9021% | 3,720 |
| Core capital (leverage) ratio | 9.2851% | 4,377 |
| Tier 1 risk-based capital ratio | 10.4214% | 5,301 |
| Total risk-based capital ratio | 11.5868% | 5,243 |
| Memoranda: | ||
| Average total assets | $849,981,000 | 894 |
| Average earning assets | $780,303,000 | 900 |
| Average equity | $84,743,330 | 978 |
| Average total loans | $712,767,670 | 769 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7055% | 1,293 |
| Cost of funding earning assets | 0.6495% | 1,719 |
| Net interest margin | 4.0560% | 1,547 |
| Noninterest income to average assets | 0.9326% | 1,065 |
| Noninterest expense to average assets | 3.2716% | 1,403 |
| Loan and lease loss provision to assets | 0.0923% | 1,970 |
| Net operating income to assets | 0.7751% | 3,812 |
| Return on assets (ROA) | 0.7751% | 3,810 |
| Pretax return on assets | 1.2890% | 2,411 |
| Return on Equity (ROE) | 7.7472% | 3,489 |
| Retained earnings to average equity (ytd only) | -15.9012% | 5,466 |
| Net charge-offs to loans | -0.0310% | 4,759 |
| Credit loss provision to net charge-offs | -354.5455% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8261% | 2,510 |
| Assets per employee ($millions) | 4.3215% | 3,449 |
| Cash dividends to net income (ytd only)* | 305.2503% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 2,538 |
| Loan loss allowance to noncurrent loans | 157.0000% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 2,357 |
| Noncurrent loans to loans | 0.7937% | 2,222 |
| Net loans and leases to total assets | 81.4268% | 735 |
| Net loans and leases to deposits | 91.8648% | 1,468 |
| Net loans and leases to core deposits | 113.0996% | 839 |
| Total domestic deposits to total assets | 88.6377% | 1,289 |
| Equity capital to assets | 9.6690% | 3,919 |
| Core capital (leverage) ratio | 9.1839% | 4,456 |
| Tier 1 risk-based capital ratio | 10.2576% | 5,424 |
| Total risk-based capital ratio | 11.4441% | 5,376 |
| Memoranda: | ||
| Average total assets | $845,334,500 | 901 |
| Average earning assets | $775,354,000 | 912 |
| Average equity | $84,572,000 | 988 |
| Average total loans | $709,671,500 | 772 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 1,115 |
| Cost of funding earning assets | 0.5499% | 1,953 |
| Net interest margin | 4.1847% | 1,221 |
| Noninterest income to average assets | 1.1424% | 781 |
| Noninterest expense to average assets | 3.5547% | 953 |
| Loan and lease loss provision to assets | 0.1129% | 2,015 |
| Net operating income to assets | 1.2795% | 1,275 |
| Return on assets (ROA) | 1.2801% | 1,296 |
| Pretax return on assets | 1.3102% | 2,307 |
| Return on Equity (ROE) | 12.4770% | 1,085 |
| Retained earnings to average equity (ytd only) | 5.3743% | 1,879 |
| Net charge-offs to loans | 0.0593% | 2,618 |
| Credit loss provision to net charge-offs | 224.6377% | 1,227 |
| Earnings coverage of net charge-offs (x) | 28.2923% | 1,606 |
| Efficiency ratio | 70.7872% | 2,429 |
| Assets per employee ($millions) | 4.1133% | 3,791 |
| Cash dividends to net income (ytd only)* | 56.9260% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 2,808 |
| Loan loss allowance to noncurrent loans | 255.7485% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 3,260 |
| Noncurrent loans to loans | 0.4679% | 3,101 |
| Net loans and leases to total assets | 84.4628% | 398 |
| Net loans and leases to deposits | 96.4029% | 1,049 |
| Net loans and leases to core deposits | 122.6484% | 504 |
| Total domestic deposits to total assets | 87.6144% | 1,695 |
| Equity capital to assets | 10.3484% | 3,332 |
| Core capital (leverage) ratio | 9.5621% | 3,957 |
| Tier 1 risk-based capital ratio | 10.6379% | 5,324 |
| Total risk-based capital ratio | 11.7807% | 5,262 |
| Memoranda: | ||
| Average total assets | $823,389,200 | 907 |
| Average earning assets | $754,555,800 | 911 |
| Average equity | $84,475,400 | 963 |
| Average total loans | $697,715,200 | 748 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7104% | 1,114 |
| Cost of funding earning assets | 0.5413% | 1,951 |
| Net interest margin | 4.1692% | 1,232 |
| Noninterest income to average assets | 1.1187% | 811 |
| Noninterest expense to average assets | 3.5058% | 985 |
| Loan and lease loss provision to assets | 0.1133% | 1,901 |
| Net operating income to assets | 1.2987% | 1,338 |
| Return on assets (ROA) | 1.2987% | 1,374 |
| Pretax return on assets | 1.3271% | 2,374 |
| Return on Equity (ROE) | 12.6866% | 1,125 |
| Retained earnings to average equity (ytd only) | 5.5433% | 2,510 |
| Net charge-offs to loans | 0.0363% | 2,712 |
| Credit loss provision to net charge-offs | 368.7831% | 831 |
| Earnings coverage of net charge-offs (x) | 46.9002% | 1,163 |
| Efficiency ratio | 70.2379% | 2,501 |
| Assets per employee ($millions) | 4.0181% | 3,961 |
| Cash dividends to net income (ytd only)* | 56.3063% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,740 |
| Loan loss allowance to noncurrent loans | 228.1818% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 3,245 |
| Noncurrent loans to loans | 0.5392% | 3,085 |
| Net loans and leases to total assets | 81.9750% | 694 |
| Net loans and leases to deposits | 93.1008% | 1,412 |
| Net loans and leases to core deposits | 116.7419% | 719 |
| Total domestic deposits to total assets | 88.0497% | 1,338 |
| Equity capital to assets | 10.2789% | 3,608 |
| Core capital (leverage) ratio | 9.6245% | 4,013 |
| Tier 1 risk-based capital ratio | 10.7683% | 5,354 |
| Total risk-based capital ratio | 11.9403% | 5,305 |
| Memoranda: | ||
| Average total assets | $820,485,250 | 911 |
| Average earning assets | $753,259,500 | 919 |
| Average equity | $83,991,750 | 974 |
| Average total loans | $693,691,250 | 754 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7013% | 1,054 |
| Cost of funding earning assets | 0.5389% | 1,851 |
| Net interest margin | 4.1624% | 1,164 |
| Noninterest income to average assets | 1.1084% | 816 |
| Noninterest expense to average assets | 3.4992% | 1,013 |
| Loan and lease loss provision to assets | 0.1141% | 1,799 |
| Net operating income to assets | 1.2897% | 1,322 |
| Return on assets (ROA) | 1.2897% | 1,348 |
| Pretax return on assets | 1.3145% | 2,333 |
| Return on Equity (ROE) | 12.6162% | 1,138 |
| Retained earnings to average equity (ytd only) | 5.4179% | 2,460 |
| Net charge-offs to loans | 0.0404% | 2,394 |
| Credit loss provision to net charge-offs | 332.1429% | 895 |
| Earnings coverage of net charge-offs (x) | 41.6000% | 1,215 |
| Efficiency ratio | 70.3634% | 2,607 |
| Assets per employee ($millions) | 3.7910% | 4,290 |
| Cash dividends to net income (ytd only)* | 57.0559% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 3,070 |
| Loan loss allowance to noncurrent loans | 219.8789% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4638% | 3,258 |
| Noncurrent loans to loans | 0.5418% | 3,124 |
| Net loans and leases to total assets | 84.5868% | 386 |
| Net loans and leases to deposits | 97.4988% | 940 |
| Net loans and leases to core deposits | 125.7393% | 402 |
| Total domestic deposits to total assets | 86.7569% | 2,061 |
| Equity capital to assets | 10.3476% | 3,518 |
| Core capital (leverage) ratio | 9.5411% | 4,084 |
| Tier 1 risk-based capital ratio | 10.4980% | 5,458 |
| Total risk-based capital ratio | 11.6347% | 5,437 |
| Memoranda: | ||
| Average total assets | $815,393,670 | 924 |
| Average earning assets | $748,176,330 | 932 |
| Average equity | $83,353,330 | 983 |
| Average total loans | $693,705,670 | 754 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 1,131 |
| Cost of funding earning assets | 0.5127% | 1,985 |
| Net interest margin | 4.0923% | 1,231 |
| Noninterest income to average assets | 1.1420% | 773 |
| Noninterest expense to average assets | 3.6167% | 880 |
| Loan and lease loss provision to assets | 0.1145% | 1,672 |
| Net operating income to assets | 1.1213% | 1,789 |
| Return on assets (ROA) | 1.1213% | 1,826 |
| Pretax return on assets | 1.1582% | 2,751 |
| Return on Equity (ROE) | 11.0374% | 1,550 |
| Retained earnings to average equity (ytd only) | 3.7791% | 3,557 |
| Net charge-offs to loans | -0.0209% | 4,768 |
| Credit loss provision to net charge-offs | -647.2222% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3159% | 2,354 |
| Assets per employee ($millions) | 3.8722% | 4,225 |
| Cash dividends to net income (ytd only)* | 65.7606% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 3,098 |
| Loan loss allowance to noncurrent loans | 223.4043% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4588% | 3,372 |
| Noncurrent loans to loans | 0.5396% | 3,197 |
| Net loans and leases to total assets | 83.9940% | 368 |
| Net loans and leases to deposits | 95.7579% | 950 |
| Net loans and leases to core deposits | 119.3606% | 477 |
| Total domestic deposits to total assets | 87.7149% | 1,879 |
| Equity capital to assets | 10.2653% | 3,454 |
| Core capital (leverage) ratio | 9.4414% | 4,185 |
| Tier 1 risk-based capital ratio | 10.5031% | 5,539 |
| Total risk-based capital ratio | 11.6556% | 5,507 |
| Memoranda: | ||
| Average total assets | $813,667,500 | 931 |
| Average earning assets | $745,114,000 | 937 |
| Average equity | $82,664,500 | 987 |
| Average total loans | $690,065,000 | 758 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6956% | 1,067 |
| Cost of funding earning assets | 0.4862% | 2,196 |
| Net interest margin | 4.2094% | 1,091 |
| Noninterest income to average assets | 1.2351% | 745 |
| Noninterest expense to average assets | 3.5993% | 1,017 |
| Loan and lease loss provision to assets | 0.1483% | 1,681 |
| Net operating income to assets | 1.3135% | 1,184 |
| Return on assets (ROA) | 1.3095% | 1,254 |
| Pretax return on assets | 1.3388% | 2,151 |
| Return on Equity (ROE) | 12.1259% | 1,205 |
| Retained earnings to average equity (ytd only) | 0.3303% | 5,190 |
| Net charge-offs to loans | 0.0413% | 3,206 |
| Credit loss provision to net charge-offs | 423.2727% | 760 |
| Earnings coverage of net charge-offs (x) | 42.5673% | 1,135 |
| Efficiency ratio | 70.0591% | 2,891 |
| Assets per employee ($millions) | 3.9905% | 3,984 |
| Cash dividends to net income (ytd only)* | 97.2763% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 3,371 |
| Loan loss allowance to noncurrent loans | 206.4300% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 3,357 |
| Noncurrent loans to loans | 0.5618% | 3,157 |
| Net loans and leases to total assets | 83.6206% | 420 |
| Net loans and leases to deposits | 94.7033% | 1,120 |
| Net loans and leases to core deposits | 120.8085% | 460 |
| Total domestic deposits to total assets | 88.2975% | 1,490 |
| Equity capital to assets | 10.0548% | 3,668 |
| Core capital (leverage) ratio | 9.2884% | 4,364 |
| Tier 1 risk-based capital ratio | 10.3702% | 5,624 |
| Total risk-based capital ratio | 11.4797% | 5,624 |
| Memoranda: | ||
| Average total assets | $785,032,800 | 919 |
| Average earning assets | $719,008,600 | 925 |
| Average equity | $84,777,200 | 939 |
| Average total loans | $665,174,400 | 747 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 1,050 |
| Cost of funding earning assets | 0.4707% | 2,360 |
| Net interest margin | 4.2342% | 1,053 |
| Noninterest income to average assets | 1.2123% | 785 |
| Noninterest expense to average assets | 3.5773% | 1,029 |
| Loan and lease loss provision to assets | 0.1586% | 1,460 |
| Net operating income to assets | 1.3334% | 1,200 |
| Return on assets (ROA) | 1.3352% | 1,282 |
| Pretax return on assets | 1.3620% | 2,190 |
| Return on Equity (ROE) | 12.1438% | 1,275 |
| Retained earnings to average equity (ytd only) | 6.2897% | 2,012 |
| Net charge-offs to loans | 0.0510% | 2,640 |
| Credit loss provision to net charge-offs | 366.6667% | 898 |
| Earnings coverage of net charge-offs (x) | 35.1113% | 1,341 |
| Efficiency ratio | 69.5443% | 2,960 |
| Assets per employee ($millions) | 3.8305% | 4,249 |
| Cash dividends to net income (ytd only)* | 48.2068% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 3,348 |
| Loan loss allowance to noncurrent loans | 196.0582% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 3,414 |
| Noncurrent loans to loans | 0.6036% | 3,204 |
| Net loans and leases to total assets | 82.2426% | 583 |
| Net loans and leases to deposits | 94.4797% | 1,212 |
| Net loans and leases to core deposits | 119.1110% | 534 |
| Total domestic deposits to total assets | 87.0479% | 1,869 |
| Equity capital to assets | 10.9909% | 3,021 |
| Core capital (leverage) ratio | 10.0725% | 3,472 |
| Tier 1 risk-based capital ratio | 11.4598% | 5,114 |
| Total risk-based capital ratio | 12.5967% | 5,082 |
| Memoranda: | ||
| Average total assets | $776,777,750 | 925 |
| Average earning assets | $712,466,750 | 936 |
| Average equity | $85,408,000 | 936 |
| Average total loans | $658,446,250 | 752 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7274% | 992 |
| Cost of funding earning assets | 0.4461% | 2,607 |
| Net interest margin | 4.2813% | 961 |
| Noninterest income to average assets | 1.2007% | 783 |
| Noninterest expense to average assets | 3.5134% | 1,145 |
| Loan and lease loss provision to assets | 0.1773% | 1,235 |
| Net operating income to assets | 1.4146% | 1,040 |
| Return on assets (ROA) | 1.4174% | 1,076 |
| Pretax return on assets | 1.4389% | 1,881 |
| Return on Equity (ROE) | 12.8897% | 1,057 |
| Retained earnings to average equity (ytd only) | 6.9954% | 1,602 |
| Net charge-offs to loans | 0.0182% | 3,141 |
| Credit loss provision to net charge-offs | 1,140.0000% | 337 |
| Earnings coverage of net charge-offs (x) | 103.7167% | 555 |
| Efficiency ratio | 67.8770% | 3,369 |
| Assets per employee ($millions) | 3.7749% | 4,315 |
| Cash dividends to net income (ytd only)* | 45.7289% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 3,550 |
| Loan loss allowance to noncurrent loans | 211.7021% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 3,643 |
| Noncurrent loans to loans | 0.5504% | 3,415 |
| Net loans and leases to total assets | 83.4364% | 471 |
| Net loans and leases to deposits | 95.8355% | 1,097 |
| Net loans and leases to core deposits | 123.9225% | 411 |
| Total domestic deposits to total assets | 87.0621% | 1,889 |
| Equity capital to assets | 10.9387% | 3,122 |
| Core capital (leverage) ratio | 10.0298% | 3,530 |
| Tier 1 risk-based capital ratio | 11.1823% | 5,323 |
| Total risk-based capital ratio | 12.3004% | 5,316 |
| Memoranda: | ||
| Average total assets | $771,398,330 | 930 |
| Average earning assets | $707,407,000 | 943 |
| Average equity | $84,827,670 | 934 |
| Average total loans | $657,953,670 | 751 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7430% | 966 |
| Cost of funding earning assets | 0.4203% | 2,860 |
| Net interest margin | 4.3227% | 888 |
| Noninterest income to average assets | 1.2499% | 700 |
| Noninterest expense to average assets | 3.5383% | 1,116 |
| Loan and lease loss provision to assets | 0.2329% | 785 |
| Net operating income to assets | 1.3896% | 1,058 |
| Return on assets (ROA) | 1.3947% | 1,104 |
| Pretax return on assets | 1.4382% | 1,784 |
| Return on Equity (ROE) | 12.6483% | 1,113 |
| Retained earnings to average equity (ytd only) | 6.7023% | 2,028 |
| Net charge-offs to loans | 0.0104% | 2,775 |
| Credit loss provision to net charge-offs | 2,611.7647% | 163 |
| Earnings coverage of net charge-offs (x) | 186.8235% | 322 |
| Efficiency ratio | 67.3453% | 3,569 |
| Assets per employee ($millions) | 3.9782% | 3,989 |
| Cash dividends to net income (ytd only)* | 47.0102% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 3,849 |
| Loan loss allowance to noncurrent loans | 209.0080% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 3,703 |
| Noncurrent loans to loans | 0.5444% | 3,555 |
| Net loans and leases to total assets | 86.0382% | 214 |
| Net loans and leases to deposits | 99.9165% | 626 |
| Net loans and leases to core deposits | 123.6363% | 377 |
| Total domestic deposits to total assets | 86.1100% | 2,626 |
| Equity capital to assets | 11.0986% | 2,827 |
| Core capital (leverage) ratio | 10.0581% | 3,464 |
| Tier 1 risk-based capital ratio | 10.8892% | 5,557 |
| Total risk-based capital ratio | 11.9727% | 5,560 |
| Memoranda: | ||
| Average total assets | $762,618,000 | 942 |
| Average earning assets | $697,617,000 | 950 |
| Average equity | $84,090,500 | 945 |
| Average total loans | $653,910,500 | 755 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6849% | 1,137 |
| Cost of funding earning assets | 0.3391% | 3,804 |
| Net interest margin | 4.3458% | 880 |
| Noninterest income to average assets | 1.2763% | 734 |
| Noninterest expense to average assets | 3.6368% | 1,059 |
| Loan and lease loss provision to assets | 0.1223% | 1,960 |
| Net operating income to assets | 1.4461% | 951 |
| Return on assets (ROA) | 1.4495% | 977 |
| Pretax return on assets | 1.4807% | 1,617 |
| Return on Equity (ROE) | 13.0271% | 1,054 |
| Retained earnings to average equity (ytd only) | 6.8390% | 1,355 |
| Net charge-offs to loans | 0.0120% | 4,061 |
| Credit loss provision to net charge-offs | 1,233.3333% | 272 |
| Earnings coverage of net charge-offs (x) | 161.3333% | 399 |
| Efficiency ratio | 68.7714% | 3,437 |
| Assets per employee ($millions) | 3.9865% | 3,965 |
| Cash dividends to net income (ytd only)* | 47.5014% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 3,994 |
| Loan loss allowance to noncurrent loans | 206.2121% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 3,792 |
| Noncurrent loans to loans | 0.5382% | 3,548 |
| Net loans and leases to total assets | 83.5211% | 433 |
| Net loans and leases to deposits | 96.6805% | 940 |
| Net loans and leases to core deposits | 120.5924% | 461 |
| Total domestic deposits to total assets | 86.3888% | 2,437 |
| Equity capital to assets | 10.9543% | 2,865 |
| Core capital (leverage) ratio | 9.9273% | 3,609 |
| Tier 1 risk-based capital ratio | 11.0456% | 5,499 |
| Total risk-based capital ratio | 12.0987% | 5,507 |
| Memoranda: | ||
| Average total assets | $726,190,000 | 953 |
| Average earning assets | $661,736,000 | 964 |
| Average equity | $80,801,000 | 941 |
| Average total loans | $598,488,200 | 779 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6606% | 1,183 |
| Cost of funding earning assets | 0.3124% | 4,196 |
| Net interest margin | 4.3482% | 876 |
| Noninterest income to average assets | 1.2796% | 729 |
| Noninterest expense to average assets | 3.6800% | 1,009 |
| Loan and lease loss provision to assets | 0.1238% | 1,840 |
| Net operating income to assets | 1.4104% | 1,087 |
| Return on assets (ROA) | 1.4149% | 1,120 |
| Pretax return on assets | 1.4460% | 1,841 |
| Return on Equity (ROE) | 12.6644% | 1,205 |
| Retained earnings to average equity (ytd only) | 6.4262% | 2,003 |
| Net charge-offs to loans | -0.0050% | 4,830 |
| Credit loss provision to net charge-offs | -3,027.2727% | 5,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4731% | 3,298 |
| Assets per employee ($millions) | 3.7157% | 4,412 |
| Cash dividends to net income (ytd only)* | 49.2579% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 3,877 |
| Loan loss allowance to noncurrent loans | 191.2937% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 3,810 |
| Noncurrent loans to loans | 0.6061% | 3,499 |
| Net loans and leases to total assets | 82.4593% | 531 |
| Net loans and leases to deposits | 97.6394% | 845 |
| Net loans and leases to core deposits | 115.6002% | 607 |
| Total domestic deposits to total assets | 84.4529% | 3,236 |
| Equity capital to assets | 11.3004% | 2,697 |
| Core capital (leverage) ratio | 10.1446% | 3,446 |
| Tier 1 risk-based capital ratio | 11.4351% | 5,412 |
| Total risk-based capital ratio | 12.5304% | 5,402 |
| Memoranda: | ||
| Average total assets | $717,383,000 | 971 |
| Average earning assets | $654,231,000 | 979 |
| Average equity | $80,149,250 | 954 |
| Average total loans | $587,339,750 | 797 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6324% | 1,207 |
| Cost of funding earning assets | 0.2886% | 4,519 |
| Net interest margin | 4.3438% | 849 |
| Noninterest income to average assets | 1.2518% | 775 |
| Noninterest expense to average assets | 3.6731% | 1,023 |
| Loan and lease loss provision to assets | 0.1242% | 1,779 |
| Net operating income to assets | 1.3792% | 1,132 |
| Return on assets (ROA) | 1.3754% | 1,183 |
| Pretax return on assets | 1.4076% | 1,952 |
| Return on Equity (ROE) | 12.3585% | 1,270 |
| Retained earnings to average equity (ytd only) | 6.0749% | 2,190 |
| Net charge-offs to loans | -0.0275% | 5,291 |
| Credit loss provision to net charge-offs | -555.0000% | 5,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8298% | 3,353 |
| Assets per employee ($millions) | 3.8290% | 4,206 |
| Cash dividends to net income (ytd only)* | 50.8440% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 4,166 |
| Loan loss allowance to noncurrent loans | 173.3789% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 3,793 |
| Noncurrent loans to loans | 0.6535% | 3,516 |
| Net loans and leases to total assets | 82.5295% | 508 |
| Net loans and leases to deposits | 98.3620% | 766 |
| Net loans and leases to core deposits | 109.2896% | 874 |
| Total domestic deposits to total assets | 83.9039% | 3,609 |
| Equity capital to assets | 11.1324% | 2,738 |
| Core capital (leverage) ratio | 10.1549% | 3,391 |
| Tier 1 risk-based capital ratio | 11.4092% | 5,521 |
| Total risk-based capital ratio | 12.4984% | 5,524 |
| Memoranda: | ||
| Average total assets | $714,991,000 | 978 |
| Average earning assets | $651,326,330 | 983 |
| Average equity | $79,573,000 | 967 |
| Average total loans | $581,628,000 | 807 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 1,350 |
| Cost of funding earning assets | 0.2751% | 4,724 |
| Net interest margin | 4.2657% | 951 |
| Noninterest income to average assets | 1.2349% | 746 |
| Noninterest expense to average assets | 3.7414% | 946 |
| Loan and lease loss provision to assets | 0.1250% | 1,661 |
| Net operating income to assets | 1.2082% | 1,524 |
| Return on assets (ROA) | 1.2006% | 1,643 |
| Pretax return on assets | 1.2355% | 2,527 |
| Return on Equity (ROE) | 10.7894% | 1,697 |
| Retained earnings to average equity (ytd only) | 4.4665% | 3,340 |
| Net charge-offs to loans | -0.0673% | 5,680 |
| Credit loss provision to net charge-offs | -231.2500% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5160% | 3,087 |
| Assets per employee ($millions) | 3.7480% | 4,427 |
| Cash dividends to net income (ytd only)* | 58.6029% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 4,151 |
| Loan loss allowance to noncurrent loans | 183.6007% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.9287% | 2,775 |
| Noncurrent loans to loans | 0.6366% | 3,679 |
| Net loans and leases to total assets | 80.0944% | 678 |
| Net loans and leases to deposits | 95.2463% | 887 |
| Net loans and leases to core deposits | 102.7389% | 1,128 |
| Total domestic deposits to total assets | 84.0919% | 3,789 |
| Equity capital to assets | 11.3409% | 2,607 |
| Core capital (leverage) ratio | 10.0825% | 3,500 |
| Tier 1 risk-based capital ratio | 11.6845% | 5,447 |
| Total risk-based capital ratio | 12.7905% | 5,448 |
| Memoranda: | ||
| Average total assets | $710,642,000 | 974 |
| Average earning assets | $645,528,000 | 992 |
| Average equity | $79,077,500 | 972 |
| Average total loans | $570,391,000 | 818 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5894% | 1,592 |
| Cost of funding earning assets | 0.2539% | 5,282 |
| Net interest margin | 4.3355% | 986 |
| Noninterest income to average assets | 1.2940% | 726 |
| Noninterest expense to average assets | 3.5020% | 1,474 |
| Loan and lease loss provision to assets | 0.2175% | 1,137 |
| Net operating income to assets | 1.4645% | 944 |
| Return on assets (ROA) | 1.4673% | 977 |
| Pretax return on assets | 1.4941% | 1,563 |
| Return on Equity (ROE) | 13.5392% | 1,031 |
| Retained earnings to average equity (ytd only) | 6.0021% | 1,933 |
| Net charge-offs to loans | 0.4115% | 1,039 |
| Credit loss provision to net charge-offs | 69.6226% | 3,089 |
| Earnings coverage of net charge-offs (x) | 5.4702% | 3,414 |
| Efficiency ratio | 65.7479% | 4,298 |
| Assets per employee ($millions) | 3.8941% | 4,181 |
| Cash dividends to net income (ytd only)* | 55.6685% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 4,526 |
| Loan loss allowance to noncurrent loans | 187.1780% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.8703% | 3,035 |
| Noncurrent loans to loans | 0.5896% | 3,897 |
| Net loans and leases to total assets | 78.6304% | 932 |
| Net loans and leases to deposits | 96.8621% | 842 |
| Net loans and leases to core deposits | 103.4620% | 1,155 |
| Total domestic deposits to total assets | 81.1777% | 4,688 |
| Equity capital to assets | 10.9201% | 2,982 |
| Core capital (leverage) ratio | 9.7883% | 3,844 |
| Tier 1 risk-based capital ratio | 11.1340% | 5,849 |
| Total risk-based capital ratio | 12.1660% | 5,871 |
| Memoranda: | ||
| Average total assets | $703,947,400 | 950 |
| Average earning assets | $635,964,600 | 965 |
| Average equity | $76,289,800 | 961 |
| Average total loans | $534,393,200 | 825 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5192% | 1,803 |
| Cost of funding earning assets | 0.2489% | 5,422 |
| Net interest margin | 4.2703% | 1,113 |
| Noninterest income to average assets | 1.2980% | 721 |
| Noninterest expense to average assets | 3.5400% | 1,392 |
| Loan and lease loss provision to assets | 0.1376% | 1,815 |
| Net operating income to assets | 1.4527% | 1,021 |
| Return on assets (ROA) | 1.4521% | 1,060 |
| Pretax return on assets | 1.4796% | 1,715 |
| Return on Equity (ROE) | 13.4255% | 1,111 |
| Retained earnings to average equity (ytd only) | 6.8202% | 1,915 |
| Net charge-offs to loans | 0.0236% | 4,040 |
| Credit loss provision to net charge-offs | 776.3441% | 402 |
| Earnings coverage of net charge-offs (x) | 91.2988% | 632 |
| Efficiency ratio | 67.1506% | 4,017 |
| Assets per employee ($millions) | 3.7788% | 4,332 |
| Cash dividends to net income (ytd only)* | 49.1997% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 3,002 |
| Loan loss allowance to noncurrent loans | 135.2388% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 1.2262% | 2,512 |
| Noncurrent loans to loans | 1.0635% | 2,951 |
| Net loans and leases to total assets | 75.0800% | 1,352 |
| Net loans and leases to deposits | 88.7804% | 1,579 |
| Net loans and leases to core deposits | 94.0340% | 1,857 |
| Total domestic deposits to total assets | 84.5681% | 3,514 |
| Equity capital to assets | 11.2352% | 2,719 |
| Core capital (leverage) ratio | 9.8382% | 3,890 |
| Tier 1 risk-based capital ratio | 11.7396% | 5,650 |
| Total risk-based capital ratio | 12.9906% | 5,571 |
| Memoranda: | ||
| Average total assets | $699,830,500 | 966 |
| Average earning assets | $632,540,250 | 979 |
| Average equity | $75,694,750 | 972 |
| Average total loans | $524,795,000 | 843 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 1,890 |
| Cost of funding earning assets | 0.2491% | 5,497 |
| Net interest margin | 4.2334% | 1,174 |
| Noninterest income to average assets | 1.2388% | 763 |
| Noninterest expense to average assets | 3.5238% | 1,433 |
| Loan and lease loss provision to assets | 0.1534% | 1,608 |
| Net operating income to assets | 1.3523% | 1,181 |
| Return on assets (ROA) | 1.3514% | 1,226 |
| Pretax return on assets | 1.3796% | 1,972 |
| Return on Equity (ROE) | 12.6565% | 1,275 |
| Retained earnings to average equity (ytd only) | 5.9797% | 2,336 |
| Net charge-offs to loans | 0.0138% | 3,962 |
| Credit loss provision to net charge-offs | 1,494.4444% | 246 |
| Earnings coverage of net charge-offs (x) | 149.4167% | 412 |
| Efficiency ratio | 68.1552% | 3,976 |
| Assets per employee ($millions) | 3.6850% | 4,476 |
| Cash dividends to net income (ytd only)* | 52.7537% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 3,256 |
| Loan loss allowance to noncurrent loans | 123.7364% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.2976% | 2,520 |
| Noncurrent loans to loans | 1.1462% | 2,935 |
| Net loans and leases to total assets | 74.7632% | 1,340 |
| Net loans and leases to deposits | 95.6406% | 826 |
| Net loans and leases to core deposits | 99.0885% | 1,356 |
| Total domestic deposits to total assets | 78.1710% | 5,607 |
| Equity capital to assets | 10.9866% | 2,890 |
| Core capital (leverage) ratio | 9.6331% | 4,134 |
| Tier 1 risk-based capital ratio | 11.4326% | 5,843 |
| Total risk-based capital ratio | 12.6833% | 5,792 |
| Memoranda: | ||
| Average total assets | $701,338,000 | 963 |
| Average earning assets | $632,676,330 | 978 |
| Average equity | $74,886,670 | 975 |
| Average total loans | $523,175,000 | 837 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 1,944 |
| Cost of funding earning assets | 0.2449% | 5,637 |
| Net interest margin | 4.2097% | 1,194 |
| Noninterest income to average assets | 1.2845% | 675 |
| Noninterest expense to average assets | 3.4863% | 1,514 |
| Loan and lease loss provision to assets | 0.1728% | 1,399 |
| Net operating income to assets | 1.3857% | 1,016 |
| Return on assets (ROA) | 1.3857% | 1,056 |
| Pretax return on assets | 1.4164% | 1,691 |
| Return on Equity (ROE) | 13.1657% | 1,120 |
| Retained earnings to average equity (ytd only) | 6.4154% | 2,328 |
| Net charge-offs to loans | 0.0476% | 2,720 |
| Credit loss provision to net charge-offs | 490.3226% | 558 |
| Earnings coverage of net charge-offs (x) | 45.0968% | 815 |
| Efficiency ratio | 67.1781% | 4,333 |
| Assets per employee ($millions) | 3.8406% | 4,250 |
| Cash dividends to net income (ytd only)* | 51.2715% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 3,554 |
| Loan loss allowance to noncurrent loans | 657.3636% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 4,387 |
| Noncurrent loans to loans | 0.2144% | 5,451 |
| Net loans and leases to total assets | 72.7682% | 1,453 |
| Net loans and leases to deposits | 86.0019% | 1,607 |
| Net loans and leases to core deposits | 88.3153% | 2,061 |
| Total domestic deposits to total assets | 84.6123% | 4,041 |
| Equity capital to assets | 10.7696% | 2,961 |
| Core capital (leverage) ratio | 9.4923% | 4,291 |
| Tier 1 risk-based capital ratio | 11.4785% | 5,925 |
| Total risk-based capital ratio | 12.7290% | 5,872 |
| Memoranda: | ||
| Average total assets | $703,778,000 | 964 |
| Average earning assets | $633,778,000 | 981 |
| Average equity | $74,071,500 | 986 |
| Average total loans | $520,670,000 | 841 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 2,132 |
| Cost of funding earning assets | 0.3293% | 5,333 |
| Net interest margin | 4.1906% | 1,378 |
| Noninterest income to average assets | 1.2268% | 928 |
| Noninterest expense to average assets | 3.3282% | 2,057 |
| Loan and lease loss provision to assets | 0.1564% | 2,320 |
| Net operating income to assets | 1.5081% | 810 |
| Return on assets (ROA) | 1.5083% | 848 |
| Pretax return on assets | 1.5352% | 1,339 |
| Return on Equity (ROE) | 14.8695% | 790 |
| Retained earnings to average equity (ytd only) | 6.2101% | 1,840 |
| Net charge-offs to loans | 0.0352% | 4,743 |
| Credit loss provision to net charge-offs | 623.3333% | 379 |
| Earnings coverage of net charge-offs (x) | 67.4000% | 626 |
| Efficiency ratio | 64.7928% | 4,771 |
| Assets per employee ($millions) | 3.9578% | 3,950 |
| Cash dividends to net income (ytd only)* | 58.2363% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 4,021 |
| Loan loss allowance to noncurrent loans | 633.6355% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 4,511 |
| Noncurrent loans to loans | 0.2088% | 5,556 |
| Net loans and leases to total assets | 73.1706% | 1,495 |
| Net loans and leases to deposits | 89.0266% | 1,340 |
| Net loans and leases to core deposits | 91.5269% | 1,842 |
| Total domestic deposits to total assets | 82.1896% | 4,811 |
| Equity capital to assets | 10.2860% | 3,405 |
| Core capital (leverage) ratio | 9.1915% | 4,734 |
| Tier 1 risk-based capital ratio | 10.9065% | 6,217 |
| Total risk-based capital ratio | 12.1146% | 6,184 |
| Memoranda: | ||
| Average total assets | $717,254,800 | 921 |
| Average earning assets | $649,194,600 | 932 |
| Average equity | $72,752,800 | 979 |
| Average total loans | $511,727,400 | 830 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 2,220 |
| Cost of funding earning assets | 0.3483% | 5,309 |
| Net interest margin | 4.1535% | 1,471 |
| Noninterest income to average assets | 1.1979% | 1,022 |
| Noninterest expense to average assets | 3.2834% | 2,111 |
| Loan and lease loss provision to assets | 0.1666% | 2,173 |
| Net operating income to assets | 1.4852% | 922 |
| Return on assets (ROA) | 1.4853% | 969 |
| Pretax return on assets | 1.5128% | 1,568 |
| Return on Equity (ROE) | 14.6950% | 857 |
| Retained earnings to average equity (ytd only) | 8.6363% | 1,179 |
| Net charge-offs to loans | -0.0302% | 6,165 |
| Credit loss provision to net charge-offs | -780.8696% | 6,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6399% | 4,704 |
| Assets per employee ($millions) | 3.9003% | 4,037 |
| Cash dividends to net income (ytd only)* | 41.2294% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 3,788 |
| Loan loss allowance to noncurrent loans | 1,144.2464% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 4,861 |
| Noncurrent loans to loans | 0.1245% | 5,954 |
| Net loans and leases to total assets | 70.3698% | 1,899 |
| Net loans and leases to deposits | 83.2205% | 1,971 |
| Net loans and leases to core deposits | 86.7340% | 2,318 |
| Total domestic deposits to total assets | 84.5583% | 3,948 |
| Equity capital to assets | 10.5846% | 3,180 |
| Core capital (leverage) ratio | 9.2821% | 4,713 |
| Tier 1 risk-based capital ratio | 11.5501% | 6,036 |
| Total risk-based capital ratio | 12.8005% | 6,003 |
| Memoranda: | ||
| Average total assets | $718,466,500 | 928 |
| Average earning assets | $651,231,750 | 932 |
| Average equity | $72,621,500 | 992 |
| Average total loans | $507,593,750 | 833 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4767% | 2,282 |
| Cost of funding earning assets | 0.3726% | 5,209 |
| Net interest margin | 4.1042% | 1,528 |
| Noninterest income to average assets | 1.1220% | 1,212 |
| Noninterest expense to average assets | 3.2367% | 2,255 |
| Loan and lease loss provision to assets | 0.1767% | 2,149 |
| Net operating income to assets | 1.4103% | 1,057 |
| Return on assets (ROA) | 1.4105% | 1,142 |
| Pretax return on assets | 1.4389% | 1,802 |
| Return on Equity (ROE) | 14.1677% | 972 |
| Retained earnings to average equity (ytd only) | 8.0848% | 1,451 |
| Net charge-offs to loans | -0.0751% | 6,408 |
| Credit loss provision to net charge-offs | -334.3750% | 5,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1651% | 4,684 |
| Assets per employee ($millions) | 3.9167% | 3,989 |
| Cash dividends to net income (ytd only)* | 42.9352% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 4,325 |
| Loan loss allowance to noncurrent loans | 934.9185% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.5333% | 4,929 |
| Noncurrent loans to loans | 0.1431% | 5,968 |
| Net loans and leases to total assets | 71.5862% | 1,641 |
| Net loans and leases to deposits | 92.0171% | 962 |
| Net loans and leases to core deposits | 93.7118% | 1,544 |
| Total domestic deposits to total assets | 77.7966% | 6,010 |
| Equity capital to assets | 10.1866% | 3,674 |
| Core capital (leverage) ratio | 8.8018% | 5,284 |
| Tier 1 risk-based capital ratio | 10.9130% | 6,371 |
| Total risk-based capital ratio | 12.1393% | 6,353 |
| Memoranda: | ||
| Average total assets | $726,535,000 | 920 |
| Average earning assets | $660,305,330 | 920 |
| Average equity | $72,333,670 | 996 |
| Average total loans | $511,588,330 | 827 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4183% | 2,457 |
| Cost of funding earning assets | 0.3980% | 5,124 |
| Net interest margin | 4.0202% | 1,710 |
| Noninterest income to average assets | 1.1913% | 1,060 |
| Noninterest expense to average assets | 3.1985% | 2,360 |
| Loan and lease loss provision to assets | 0.1801% | 2,059 |
| Net operating income to assets | 1.4363% | 974 |
| Return on assets (ROA) | 1.4997% | 936 |
| Pretax return on assets | 1.5313% | 1,482 |
| Return on Equity (ROE) | 15.2335% | 711 |
| Retained earnings to average equity (ytd only) | 9.1556% | 1,331 |
| Net charge-offs to loans | -0.0721% | 6,292 |
| Credit loss provision to net charge-offs | -359.7826% | 5,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4886% | 4,923 |
| Assets per employee ($millions) | 3.9787% | 3,993 |
| Cash dividends to net income (ytd only)* | 39.8984% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 4,673 |
| Loan loss allowance to noncurrent loans | 181.9972% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 5,097 |
| Noncurrent loans to loans | 0.7165% | 4,694 |
| Net loans and leases to total assets | 69.5358% | 1,749 |
| Net loans and leases to deposits | 82.1986% | 1,801 |
| Net loans and leases to core deposits | 84.4226% | 2,279 |
| Total domestic deposits to total assets | 84.5949% | 4,227 |
| Equity capital to assets | 10.3555% | 3,727 |
| Core capital (leverage) ratio | 8.4386% | 5,658 |
| Tier 1 risk-based capital ratio | 10.9761% | 6,419 |
| Total risk-based capital ratio | 12.1630% | 6,415 |
| Memoranda: | ||
| Average total assets | $735,342,500 | 919 |
| Average earning assets | $668,318,500 | 911 |
| Average equity | $72,393,000 | 1,007 |
| Average total loans | $510,197,500 | 832 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 2,820 |
| Cost of funding earning assets | 0.6017% | 4,336 |
| Net interest margin | 4.0435% | 2,225 |
| Noninterest income to average assets | 1.1056% | 1,270 |
| Noninterest expense to average assets | 3.3502% | 2,189 |
| Loan and lease loss provision to assets | 0.1110% | 4,244 |
| Net operating income to assets | 1.2935% | 1,326 |
| Return on assets (ROA) | 1.3082% | 1,419 |
| Pretax return on assets | 1.3327% | 2,281 |
| Return on Equity (ROE) | 13.1578% | 1,190 |
| Retained earnings to average equity (ytd only) | 7.7914% | 1,195 |
| Net charge-offs to loans | 0.0701% | 4,982 |
| Credit loss provision to net charge-offs | 239.8754% | 1,038 |
| Earnings coverage of net charge-offs (x) | 30.8660% | 988 |
| Efficiency ratio | 68.4831% | 4,060 |
| Assets per employee ($millions) | 4.1430% | 3,663 |
| Cash dividends to net income (ytd only)* | 40.7848% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 5,331 |
| Loan loss allowance to noncurrent loans | 266.3877% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 5,765 |
| Noncurrent loans to loans | 0.4330% | 5,415 |
| Net loans and leases to total assets | 67.6081% | 2,259 |
| Net loans and leases to deposits | 86.6989% | 1,413 |
| Net loans and leases to core deposits | 88.1996% | 2,067 |
| Total domestic deposits to total assets | 77.9804% | 6,084 |
| Equity capital to assets | 9.3755% | 5,033 |
| Core capital (leverage) ratio | 8.2034% | 5,994 |
| Tier 1 risk-based capital ratio | 9.9523% | 6,717 |
| Total risk-based capital ratio | 10.9891% | 6,738 |
| Memoranda: | ||
| Average total assets | $693,480,600 | 948 |
| Average earning assets | $630,000,400 | 950 |
| Average equity | $68,947,800 | 1,024 |
| Average total loans | $458,015,200 | 908 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6989% | 2,809 |
| Cost of funding earning assets | 0.6487% | 4,211 |
| Net interest margin | 4.0502% | 2,293 |
| Noninterest income to average assets | 1.1038% | 1,234 |
| Noninterest expense to average assets | 3.4733% | 1,819 |
| Loan and lease loss provision to assets | 0.0717% | 4,777 |
| Net operating income to assets | 1.2220% | 1,664 |
| Return on assets (ROA) | 1.2290% | 1,809 |
| Pretax return on assets | 1.2546% | 2,772 |
| Return on Equity (ROE) | 12.1643% | 1,578 |
| Retained earnings to average equity (ytd only) | 6.7408% | 2,256 |
| Net charge-offs to loans | 0.0522% | 4,924 |
| Credit loss provision to net charge-offs | 209.8266% | 1,318 |
| Earnings coverage of net charge-offs (x) | 38.6187% | 904 |
| Efficiency ratio | 70.8129% | 3,531 |
| Assets per employee ($millions) | 3.7084% | 4,517 |
| Cash dividends to net income (ytd only)* | 44.5855% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 4,854 |
| Loan loss allowance to noncurrent loans | 252.7511% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 5,583 |
| Noncurrent loans to loans | 0.5107% | 5,419 |
| Net loans and leases to total assets | 64.5189% | 2,925 |
| Net loans and leases to deposits | 75.8325% | 3,007 |
| Net loans and leases to core deposits | 77.0220% | 3,602 |
| Total domestic deposits to total assets | 85.0807% | 3,709 |
| Equity capital to assets | 10.3177% | 4,060 |
| Core capital (leverage) ratio | 8.3907% | 5,908 |
| Tier 1 risk-based capital ratio | 11.0197% | 6,472 |
| Total risk-based capital ratio | 12.1589% | 6,498 |
| Memoranda: | ||
| Average total assets | $675,237,750 | 977 |
| Average earning assets | $614,960,750 | 984 |
| Average equity | $68,220,000 | 1,040 |
| Average total loans | $441,461,250 | 949 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 2,815 |
| Cost of funding earning assets | 0.6876% | 4,120 |
| Net interest margin | 4.0387% | 2,346 |
| Noninterest income to average assets | 1.0410% | 1,346 |
| Noninterest expense to average assets | 3.4695% | 1,857 |
| Loan and lease loss provision to assets | 0.0673% | 4,788 |
| Net operating income to assets | 1.1540% | 1,867 |
| Return on assets (ROA) | 1.1590% | 2,058 |
| Pretax return on assets | 1.1861% | 2,991 |
| Return on Equity (ROE) | 11.5550% | 1,810 |
| Retained earnings to average equity (ytd only) | 6.0625% | 2,674 |
| Net charge-offs to loans | 0.0064% | 5,397 |
| Credit loss provision to net charge-offs | 1,614.2857% | 200 |
| Earnings coverage of net charge-offs (x) | 299.4286% | 145 |
| Efficiency ratio | 71.8235% | 3,457 |
| Assets per employee ($millions) | 3.5732% | 4,811 |
| Cash dividends to net income (ytd only)* | 47.5334% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 4,807 |
| Loan loss allowance to noncurrent loans | 244.9410% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 5,618 |
| Noncurrent loans to loans | 0.5384% | 5,443 |
| Net loans and leases to total assets | 65.4200% | 2,786 |
| Net loans and leases to deposits | 76.3942% | 2,929 |
| Net loans and leases to core deposits | 77.9460% | 3,525 |
| Total domestic deposits to total assets | 85.6348% | 3,544 |
| Equity capital to assets | 10.3547% | 3,873 |
| Core capital (leverage) ratio | 8.2874% | 5,930 |
| Tier 1 risk-based capital ratio | 10.9987% | 6,498 |
| Total risk-based capital ratio | 12.1687% | 6,517 |
| Memoranda: | ||
| Average total assets | $671,633,000 | 982 |
| Average earning assets | $611,436,330 | 985 |
| Average equity | $67,365,000 | 1,042 |
| Average total loans | $439,141,330 | 949 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7269% | 2,944 |
| Cost of funding earning assets | 0.7172% | 4,134 |
| Net interest margin | 4.0097% | 2,462 |
| Noninterest income to average assets | 1.0054% | 1,410 |
| Noninterest expense to average assets | 3.4488% | 1,879 |
| Loan and lease loss provision to assets | 0.0978% | 4,124 |
| Net operating income to assets | 1.0761% | 2,185 |
| Return on assets (ROA) | 1.0860% | 2,334 |
| Pretax return on assets | 1.1127% | 3,275 |
| Return on Equity (ROE) | 11.0027% | 2,017 |
| Retained earnings to average equity (ytd only) | 5.4503% | 3,288 |
| Net charge-offs to loans | -0.0356% | 6,405 |
| Credit loss provision to net charge-offs | -423.0769% | 5,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4608% | 3,351 |
| Assets per employee ($millions) | 3.6902% | 4,679 |
| Cash dividends to net income (ytd only)* | 50.4637% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 4,776 |
| Loan loss allowance to noncurrent loans | 303.9288% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 5,863 |
| Noncurrent loans to loans | 0.4466% | 5,781 |
| Net loans and leases to total assets | 62.7871% | 3,098 |
| Net loans and leases to deposits | 72.7528% | 3,309 |
| Net loans and leases to core deposits | 74.6264% | 3,814 |
| Total domestic deposits to total assets | 86.3019% | 3,359 |
| Equity capital to assets | 9.9629% | 4,170 |
| Core capital (leverage) ratio | 8.2003% | 6,022 |
| Tier 1 risk-based capital ratio | 11.0886% | 6,500 |
| Total risk-based capital ratio | 12.2945% | 6,499 |
| Memoranda: | ||
| Average total assets | $675,143,000 | 976 |
| Average earning assets | $613,507,500 | 980 |
| Average equity | $66,638,000 | 1,050 |
| Average total loans | $438,412,000 | 949 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9789% | 2,976 |
| Cost of funding earning assets | 0.9801% | 3,514 |
| Net interest margin | 3.9988% | 2,881 |
| Noninterest income to average assets | 1.0447% | 1,234 |
| Noninterest expense to average assets | 3.4193% | 2,197 |
| Loan and lease loss provision to assets | 0.1442% | 4,809 |
| Net operating income to assets | 1.1114% | 1,788 |
| Return on assets (ROA) | 1.1764% | 1,695 |
| Pretax return on assets | 1.1979% | 2,465 |
| Return on Equity (ROE) | 12.3747% | 1,305 |
| Retained earnings to average equity (ytd only) | 8.4556% | 936 |
| Net charge-offs to loans | 0.0714% | 5,604 |
| Credit loss provision to net charge-offs | 305.8065% | 758 |
| Earnings coverage of net charge-offs (x) | 27.0645% | 917 |
| Efficiency ratio | 71.3078% | 3,730 |
| Assets per employee ($millions) | 3.7704% | 4,387 |
| Cash dividends to net income (ytd only)* | 31.6701% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 5,196 |
| Loan loss allowance to noncurrent loans | 287.0769% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4042% | 5,960 |
| Noncurrent loans to loans | 0.4340% | 5,840 |
| Net loans and leases to total assets | 65.3832% | 2,904 |
| Net loans and leases to deposits | 78.1848% | 2,808 |
| Net loans and leases to core deposits | 80.3846% | 3,407 |
| Total domestic deposits to total assets | 83.6264% | 4,492 |
| Equity capital to assets | 9.7784% | 4,469 |
| Core capital (leverage) ratio | 7.9405% | 6,319 |
| Tier 1 risk-based capital ratio | 10.3517% | 6,751 |
| Total risk-based capital ratio | 11.4566% | 6,781 |
| Memoranda: | ||
| Average total assets | $657,624,400 | 984 |
| Average earning assets | $600,328,000 | 977 |
| Average equity | $62,514,800 | 1,078 |
| Average total loans | $434,435,200 | 961 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 3,121 |
| Cost of funding earning assets | 1.0347% | 3,431 |
| Net interest margin | 3.9577% | 3,117 |
| Noninterest income to average assets | 1.0859% | 1,140 |
| Noninterest expense to average assets | 3.2817% | 2,553 |
| Loan and lease loss provision to assets | 0.1731% | 4,307 |
| Net operating income to assets | 1.2367% | 1,550 |
| Return on assets (ROA) | 1.3172% | 1,422 |
| Pretax return on assets | 1.3375% | 2,159 |
| Return on Equity (ROE) | 13.9606% | 1,041 |
| Retained earnings to average equity (ytd only) | 8.6536% | 1,261 |
| Net charge-offs to loans | 0.0483% | 5,508 |
| Credit loss provision to net charge-offs | 542.9487% | 504 |
| Earnings coverage of net charge-offs (x) | 44.8023% | 705 |
| Efficiency ratio | 68.1680% | 4,284 |
| Assets per employee ($millions) | 3.7078% | 4,525 |
| Cash dividends to net income (ytd only)* | 38.0140% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 4,860 |
| Loan loss allowance to noncurrent loans | 401.6347% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 6,508 |
| Noncurrent loans to loans | 0.3318% | 6,188 |
| Net loans and leases to total assets | 62.3470% | 3,641 |
| Net loans and leases to deposits | 76.6713% | 3,216 |
| Net loans and leases to core deposits | 78.7899% | 3,794 |
| Total domestic deposits to total assets | 81.3172% | 5,327 |
| Equity capital to assets | 9.7127% | 4,759 |
| Core capital (leverage) ratio | 7.8835% | 6,502 |
| Tier 1 risk-based capital ratio | 10.8015% | 6,663 |
| Total risk-based capital ratio | 11.9981% | 6,666 |
| Memoranda: | ||
| Average total assets | $652,363,750 | 1,001 |
| Average earning assets | $597,408,000 | 989 |
| Average equity | $61,552,750 | 1,102 |
| Average total loans | $430,711,000 | 982 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 3,110 |
| Cost of funding earning assets | 1.1150% | 3,123 |
| Net interest margin | 3.8953% | 3,328 |
| Noninterest income to average assets | 1.0425% | 1,214 |
| Noninterest expense to average assets | 3.2530% | 2,720 |
| Loan and lease loss provision to assets | 0.1696% | 4,236 |
| Net operating income to assets | 1.1681% | 1,672 |
| Return on assets (ROA) | 1.1846% | 1,710 |
| Pretax return on assets | 1.1998% | 2,480 |
| Return on Equity (ROE) | 12.6842% | 1,282 |
| Retained earnings to average equity (ytd only) | 8.2098% | 1,379 |
| Net charge-offs to loans | 0.0434% | 5,253 |
| Credit loss provision to net charge-offs | 582.9787% | 533 |
| Earnings coverage of net charge-offs (x) | 46.4894% | 666 |
| Efficiency ratio | 69.1377% | 4,301 |
| Assets per employee ($millions) | 3.5694% | 4,751 |
| Cash dividends to net income (ytd only)* | 35.2757% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 5,343 |
| Loan loss allowance to noncurrent loans | 354.0876% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 6,523 |
| Noncurrent loans to loans | 0.3514% | 6,221 |
| Net loans and leases to total assets | 64.7245% | 3,316 |
| Net loans and leases to deposits | 76.9356% | 3,303 |
| Net loans and leases to core deposits | 79.0325% | 3,926 |
| Total domestic deposits to total assets | 84.1281% | 4,293 |
| Equity capital to assets | 9.5180% | 4,792 |
| Core capital (leverage) ratio | 7.4609% | 6,769 |
| Tier 1 risk-based capital ratio | 10.2390% | 6,904 |
| Total risk-based capital ratio | 11.3620% | 6,936 |
| Memoranda: | ||
| Average total assets | $646,115,000 | 1,018 |
| Average earning assets | $591,017,330 | 1,011 |
| Average equity | $60,342,670 | 1,110 |
| Average total loans | $432,925,330 | 995 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 3,069 |
| Cost of funding earning assets | 1.1284% | 3,302 |
| Net interest margin | 3.8808% | 3,235 |
| Noninterest income to average assets | 1.0270% | 1,248 |
| Noninterest expense to average assets | 3.3452% | 2,418 |
| Loan and lease loss provision to assets | 0.2002% | 3,634 |
| Net operating income to assets | 1.0289% | 2,077 |
| Return on assets (ROA) | 1.0621% | 2,019 |
| Pretax return on assets | 1.0841% | 2,817 |
| Return on Equity (ROE) | 11.4871% | 1,603 |
| Retained earnings to average equity (ytd only) | 6.9045% | 2,189 |
| Net charge-offs to loans | 0.0778% | 4,164 |
| Credit loss provision to net charge-offs | 379.7619% | 872 |
| Earnings coverage of net charge-offs (x) | 23.7143% | 1,008 |
| Efficiency ratio | 71.1378% | 4,026 |
| Assets per employee ($millions) | 3.8437% | 4,204 |
| Cash dividends to net income (ytd only)* | 39.8936% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 5,634 |
| Loan loss allowance to noncurrent loans | 286.3837% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 6,464 |
| Noncurrent loans to loans | 0.4191% | 6,160 |
| Net loans and leases to total assets | 66.2219% | 2,949 |
| Net loans and leases to deposits | 80.2948% | 2,664 |
| Net loans and leases to core deposits | 83.2136% | 3,277 |
| Total domestic deposits to total assets | 82.4734% | 5,120 |
| Equity capital to assets | 9.2420% | 4,824 |
| Core capital (leverage) ratio | 7.8131% | 6,452 |
| Tier 1 risk-based capital ratio | 10.3939% | 6,868 |
| Total risk-based capital ratio | 11.4997% | 6,906 |
| Memoranda: | ||
| Average total assets | $637,217,000 | 1,046 |
| Average earning assets | $585,966,000 | 1,028 |
| Average equity | $58,918,500 | 1,123 |
| Average total loans | $431,824,500 | 1,012 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1788% | 3,707 |
| Cost of funding earning assets | 1.3683% | 3,466 |
| Net interest margin | 3.8105% | 3,902 |
| Noninterest income to average assets | 1.1035% | 1,220 |
| Noninterest expense to average assets | 3.2026% | 3,084 |
| Loan and lease loss provision to assets | 0.3290% | 4,179 |
| Net operating income to assets | 1.0516% | 1,867 |
| Return on assets (ROA) | 1.0516% | 1,963 |
| Pretax return on assets | 1.0707% | 2,699 |
| Return on Equity (ROE) | 11.2363% | 1,514 |
| Retained earnings to average equity (ytd only) | 7.6783% | 1,091 |
| Net charge-offs to loans | 0.1761% | 5,265 |
| Credit loss provision to net charge-offs | 270.6849% | 1,020 |
| Earnings coverage of net charge-offs (x) | 11.5164% | 1,600 |
| Efficiency ratio | 68.1655% | 4,530 |
| Assets per employee ($millions) | 3.8102% | 4,232 |
| Cash dividends to net income (ytd only)* | 31.6656% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 5,730 |
| Loan loss allowance to noncurrent loans | 252.0325% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 6,393 |
| Noncurrent loans to loans | 0.4568% | 6,132 |
| Net loans and leases to total assets | 67.7393% | 3,045 |
| Net loans and leases to deposits | 80.8565% | 3,017 |
| Net loans and leases to core deposits | 83.7574% | 3,631 |
| Total domestic deposits to total assets | 83.7772% | 4,463 |
| Equity capital to assets | 9.2506% | 4,754 |
| Core capital (leverage) ratio | 7.6555% | 6,580 |
| Tier 1 risk-based capital ratio | 10.2433% | 6,850 |
| Total risk-based capital ratio | 11.3086% | 6,940 |
| Memoranda: | ||
| Average total assets | $600,632,400 | 1,113 |
| Average earning assets | $551,501,800 | 1,099 |
| Average equity | $56,210,600 | 1,180 |
| Average total loans | $414,498,000 | 1,080 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1995% | 3,833 |
| Cost of funding earning assets | 1.3989% | 3,593 |
| Net interest margin | 3.8006% | 3,972 |
| Noninterest income to average assets | 1.1311% | 1,093 |
| Noninterest expense to average assets | 3.2406% | 2,778 |
| Loan and lease loss provision to assets | 0.3621% | 3,722 |
| Net operating income to assets | 0.9975% | 2,241 |
| Return on assets (ROA) | 0.9975% | 2,361 |
| Pretax return on assets | 1.0184% | 3,117 |
| Return on Equity (ROE) | 10.6259% | 1,892 |
| Retained earnings to average equity (ytd only) | 5.8406% | 2,451 |
| Net charge-offs to loans | 0.1602% | 5,038 |
| Credit loss provision to net charge-offs | 326.9777% | 974 |
| Earnings coverage of net charge-offs (x) | 12.4665% | 1,682 |
| Efficiency ratio | 68.8539% | 4,297 |
| Assets per employee ($millions) | 3.8117% | 4,237 |
| Cash dividends to net income (ytd only)* | 45.0349% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 5,674 |
| Loan loss allowance to noncurrent loans | 210.5882% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 6,400 |
| Noncurrent loans to loans | 0.5499% | 6,104 |
| Net loans and leases to total assets | 67.2171% | 3,403 |
| Net loans and leases to deposits | 83.9784% | 2,710 |
| Net loans and leases to core deposits | 87.9655% | 3,373 |
| Total domestic deposits to total assets | 80.0410% | 5,696 |
| Equity capital to assets | 9.5593% | 4,757 |
| Core capital (leverage) ratio | 7.7448% | 6,630 |
| Tier 1 risk-based capital ratio | 10.3220% | 6,885 |
| Total risk-based capital ratio | 11.4029% | 6,967 |
| Memoranda: | ||
| Average total assets | $593,619,250 | 1,140 |
| Average earning assets | $545,092,250 | 1,120 |
| Average equity | $55,724,000 | 1,190 |
| Average total loans | $410,415,750 | 1,111 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1922% | 3,999 |
| Cost of funding earning assets | 1.4258% | 3,712 |
| Net interest margin | 3.7665% | 4,063 |
| Noninterest income to average assets | 1.1497% | 979 |
| Noninterest expense to average assets | 3.2505% | 2,726 |
| Loan and lease loss provision to assets | 0.4846% | 2,880 |
| Net operating income to assets | 0.8485% | 2,736 |
| Return on assets (ROA) | 0.8485% | 2,889 |
| Pretax return on assets | 0.8696% | 3,627 |
| Return on Equity (ROE) | 9.0969% | 2,426 |
| Retained earnings to average equity (ytd only) | 5.4435% | 2,653 |
| Net charge-offs to loans | 0.1681% | 4,608 |
| Credit loss provision to net charge-offs | 414.5773% | 879 |
| Earnings coverage of net charge-offs (x) | 11.5860% | 1,754 |
| Efficiency ratio | 69.6218% | 4,260 |
| Assets per employee ($millions) | 3.7098% | 4,444 |
| Cash dividends to net income (ytd only)* | 40.1606% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 5,596 |
| Loan loss allowance to noncurrent loans | 158.8664% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 6,159 |
| Noncurrent loans to loans | 0.7371% | 5,781 |
| Net loans and leases to total assets | 67.3089% | 3,546 |
| Net loans and leases to deposits | 81.6033% | 3,328 |
| Net loans and leases to core deposits | 84.9996% | 3,997 |
| Total domestic deposits to total assets | 82.4830% | 4,787 |
| Equity capital to assets | 9.3541% | 4,921 |
| Core capital (leverage) ratio | 7.7274% | 6,577 |
| Tier 1 risk-based capital ratio | 10.2636% | 6,867 |
| Total risk-based capital ratio | 11.3550% | 6,940 |
| Memoranda: | ||
| Average total assets | $586,931,330 | 1,157 |
| Average earning assets | $538,380,330 | 1,146 |
| Average equity | $54,744,000 | 1,211 |
| Average total loans | $408,110,000 | 1,127 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1875% | 4,093 |
| Cost of funding earning assets | 1.4142% | 4,095 |
| Net interest margin | 3.7733% | 3,903 |
| Noninterest income to average assets | 1.1112% | 1,020 |
| Noninterest expense to average assets | 3.2067% | 2,832 |
| Loan and lease loss provision to assets | 0.7291% | 1,747 |
| Net operating income to assets | 0.6077% | 3,860 |
| Return on assets (ROA) | 0.6077% | 4,010 |
| Pretax return on assets | 0.6298% | 4,492 |
| Return on Equity (ROE) | 6.5250% | 3,605 |
| Retained earnings to average equity (ytd only) | -0.8814% | 6,023 |
| Net charge-offs to loans | -0.0196% | 7,075 |
| Credit loss provision to net charge-offs | -5,285.0000% | 6,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7235% | 4,363 |
| Assets per employee ($millions) | 3.5844% | 4,858 |
| Cash dividends to net income (ytd only)* | 113.5074% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 5,628 |
| Loan loss allowance to noncurrent loans | 168.8161% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 6,227 |
| Noncurrent loans to loans | 0.6965% | 5,940 |
| Net loans and leases to total assets | 68.9194% | 3,172 |
| Net loans and leases to deposits | 85.8351% | 2,618 |
| Net loans and leases to core deposits | 89.7116% | 3,404 |
| Total domestic deposits to total assets | 80.2928% | 5,687 |
| Equity capital to assets | 9.2213% | 4,963 |
| Core capital (leverage) ratio | 7.7710% | 6,538 |
| Tier 1 risk-based capital ratio | 10.0165% | 7,025 |
| Total risk-based capital ratio | 11.1231% | 7,106 |
| Memoranda: | ||
| Average total assets | $579,902,500 | 1,195 |
| Average earning assets | $530,886,500 | 1,195 |
| Average equity | $54,007,500 | 1,237 |
| Average total loans | $407,509,000 | 1,157 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5377% | 3,939 |
| Cost of funding earning assets | 1.7002% | 4,506 |
| Net interest margin | 3.8375% | 3,539 |
| Noninterest income to average assets | 1.1635% | 1,137 |
| Noninterest expense to average assets | 3.3733% | 2,766 |
| Loan and lease loss provision to assets | 0.2757% | 5,205 |
| Net operating income to assets | 0.9837% | 1,897 |
| Return on assets (ROA) | 0.9837% | 1,948 |
| Pretax return on assets | 1.0075% | 2,565 |
| Return on Equity (ROE) | 10.3929% | 1,580 |
| Retained earnings to average equity (ytd only) | 10.3929% | 336 |
| Net charge-offs to loans | 0.2116% | 5,300 |
| Credit loss provision to net charge-offs | 180.7229% | 2,293 |
| Earnings coverage of net charge-offs (x) | 8.4108% | 1,950 |
| Efficiency ratio | 71.7720% | 4,303 |
| Assets per employee ($millions) | 3.5748% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 6,766 |
| Loan loss allowance to noncurrent loans | 132.8801% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 6,216 |
| Noncurrent loans to loans | 0.6858% | 5,868 |
| Net loans and leases to total assets | 70.1673% | 3,214 |
| Net loans and leases to deposits | 83.1116% | 3,433 |
| Net loans and leases to core deposits | 97.3515% | 4,308 |
| Total domestic deposits to total assets | 84.4254% | 3,831 |
| Equity capital to assets | 9.4065% | 4,545 |
| Core capital (leverage) ratio | 7.7998% | 6,451 |
| Tier 1 risk-based capital ratio | 9.9871% | 6,881 |
| Total risk-based capital ratio | 10.8407% | 7,151 |
| Memoranda: | ||
| Average total assets | $544,044,400 | 1,272 |
| Average earning assets | $495,189,600 | 1,273 |
| Average equity | $51,496,600 | 1,299 |
| Average total loans | $392,325,200 | 1,224 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6305% | 3,686 |
| Cost of funding earning assets | 1.7470% | 4,650 |
| Net interest margin | 3.8835% | 3,292 |
| Noninterest income to average assets | 1.2269% | 1,022 |
| Noninterest expense to average assets | 3.4662% | 2,369 |
| Loan and lease loss provision to assets | 0.3357% | 4,324 |
| Net operating income to assets | 0.9353% | 2,287 |
| Return on assets (ROA) | 0.9353% | 2,355 |
| Pretax return on assets | 0.9611% | 3,019 |
| Return on Equity (ROE) | 9.8642% | 1,969 |
| Retained earnings to average equity (ytd only) | 9.8642% | 662 |
| Net charge-offs to loans | 0.1332% | 5,366 |
| Credit loss provision to net charge-offs | 347.9381% | 1,177 |
| Earnings coverage of net charge-offs (x) | 13.4407% | 1,675 |
| Efficiency ratio | 72.1207% | 4,221 |
| Assets per employee ($millions) | 3.4667% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 5,966 |
| Loan loss allowance to noncurrent loans | 137.1918% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 6,074 |
| Noncurrent loans to loans | 0.7723% | 5,753 |
| Net loans and leases to total assets | 67.8715% | 3,988 |
| Net loans and leases to deposits | 82.2550% | 3,968 |
| Net loans and leases to core deposits | 99.1078% | 4,474 |
| Total domestic deposits to total assets | 82.5135% | 4,445 |
| Equity capital to assets | 9.6669% | 4,538 |
| Core capital (leverage) ratio | 7.7631% | 6,651 |
| Tier 1 risk-based capital ratio | 10.2360% | 6,746 |
| Total risk-based capital ratio | 11.2165% | 6,967 |
| Memoranda: | ||
| Average total assets | $536,169,000 | 1,297 |
| Average earning assets | $488,207,750 | 1,305 |
| Average equity | $50,836,000 | 1,331 |
| Average total loans | $388,516,750 | 1,255 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6980% | 3,546 |
| Cost of funding earning assets | 1.7874% | 4,824 |
| Net interest margin | 3.9105% | 3,055 |
| Noninterest income to average assets | 1.2942% | 910 |
| Noninterest expense to average assets | 3.4845% | 2,384 |
| Loan and lease loss provision to assets | 0.3012% | 4,154 |
| Net operating income to assets | 1.0334% | 1,996 |
| Return on assets (ROA) | 0.9293% | 2,436 |
| Pretax return on assets | 0.9590% | 3,147 |
| Return on Equity (ROE) | 9.8681% | 2,066 |
| Retained earnings to average equity (ytd only) | 9.8681% | 761 |
| Net charge-offs to loans | 0.0944% | 5,234 |
| Credit loss provision to net charge-offs | 432.4324% | 1,070 |
| Earnings coverage of net charge-offs (x) | 19.6324% | 1,355 |
| Efficiency ratio | 71.1858% | 4,561 |
| Assets per employee ($millions) | 3.3697% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 6,611 |
| Loan loss allowance to noncurrent loans | 419.1294% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 7,148 |
| Noncurrent loans to loans | 0.2237% | 6,948 |
| Net loans and leases to total assets | 71.6974% | 3,298 |
| Net loans and leases to deposits | 84.0330% | 3,869 |
| Net loans and leases to core deposits | 101.8947% | 4,287 |
| Total domestic deposits to total assets | 85.3204% | 3,099 |
| Equity capital to assets | 9.4445% | 4,683 |
| Core capital (leverage) ratio | 7.7109% | 6,737 |
| Tier 1 risk-based capital ratio | 9.9067% | 7,033 |
| Total risk-based capital ratio | 10.8022% | 7,305 |
| Memoranda: | ||
| Average total assets | $531,158,000 | 1,325 |
| Average earning assets | $483,259,000 | 1,336 |
| Average equity | $50,020,000 | 1,375 |
| Average total loans | $391,984,000 | 1,266 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7368% | 3,603 |
| Cost of funding earning assets | 1.8082% | 5,076 |
| Net interest margin | 3.9286% | 2,935 |
| Noninterest income to average assets | 1.2027% | 997 |
| Noninterest expense to average assets | 3.2931% | 2,675 |
| Loan and lease loss provision to assets | 0.1138% | 5,507 |
| Net operating income to assets | 1.3063% | 1,365 |
| Return on assets (ROA) | 1.0987% | 2,095 |
| Pretax return on assets | 1.1420% | 2,823 |
| Return on Equity (ROE) | 11.6846% | 1,763 |
| Retained earnings to average equity (ytd only) | 11.6846% | 852 |
| Net charge-offs to loans | 0.0499% | 4,777 |
| Credit loss provision to net charge-offs | 306.1224% | 1,586 |
| Earnings coverage of net charge-offs (x) | 39.5918% | 858 |
| Efficiency ratio | 68.5350% | 4,863 |
| Assets per employee ($millions) | 3.3098% | 5,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 7,113 |
| Loan loss allowance to noncurrent loans | 672.0085% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 7,322 |
| Noncurrent loans to loans | 0.1208% | 7,175 |
| Net loans and leases to total assets | 73.9610% | 2,770 |
| Net loans and leases to deposits | 86.4011% | 3,565 |
| Net loans and leases to core deposits | 103.8247% | 4,155 |
| Total domestic deposits to total assets | 85.6018% | 2,921 |
| Equity capital to assets | 9.6459% | 4,460 |
| Core capital (leverage) ratio | 7.6607% | 6,937 |
| Tier 1 risk-based capital ratio | 9.9095% | 7,025 |
| Total risk-based capital ratio | 10.7001% | 7,419 |
| Memoranda: | ||
| Average total assets | $527,158,000 | 1,341 |
| Average earning assets | $478,033,000 | 1,356 |
| Average equity | $49,569,500 | 1,386 |
| Average total loans | $392,865,500 | 1,270 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2683% | 4,139 |
| Cost of funding earning assets | 2.3237% | 5,045 |
| Net interest margin | 3.9447% | 3,389 |
| Noninterest income to average assets | 1.4436% | 683 |
| Noninterest expense to average assets | 3.2715% | 3,068 |
| Loan and lease loss provision to assets | 0.1408% | 5,552 |
| Net operating income to assets | 1.5187% | 981 |
| Return on assets (ROA) | 1.5169% | 953 |
| Pretax return on assets | 1.5455% | 1,551 |
| Return on Equity (ROE) | 16.3347% | 724 |
| Retained earnings to average equity (ytd only) | 6.6577% | 1,278 |
| Net charge-offs to loans | 0.1075% | 5,212 |
| Credit loss provision to net charge-offs | 177.5819% | 2,849 |
| Earnings coverage of net charge-offs (x) | 21.2922% | 1,535 |
| Efficiency ratio | 65.4359% | 5,232 |
| Assets per employee ($millions) | 3.5645% | 4,515 |
| Cash dividends to net income (ytd only)* | 59.2417% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 7,227 |
| Loan loss allowance to noncurrent loans | 393.2817% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 6,998 |
| Noncurrent loans to loans | 0.1943% | 6,809 |
| Net loans and leases to total assets | 73.9160% | 3,121 |
| Net loans and leases to deposits | 87.8443% | 3,826 |
| Net loans and leases to core deposits | 104.5629% | 4,341 |
| Total domestic deposits to total assets | 84.1443% | 3,247 |
| Equity capital to assets | 9.1673% | 5,131 |
| Core capital (leverage) ratio | 7.5157% | 7,190 |
| Tier 1 risk-based capital ratio | 9.3203% | 7,500 |
| Total risk-based capital ratio | 10.0682% | 7,946 |
| Memoranda: | ||
| Average total assets | $500,755,000 | 1,345 |
| Average earning assets | $446,323,400 | 1,399 |
| Average equity | $46,502,200 | 1,466 |
| Average total loans | $369,337,200 | 1,315 |