Home > Midwest Bank > Performance and Condition Ratios
Midwest Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 3,366 |
| Cost of funding earning assets | 1.5850% | 1,728 |
| Net interest margin | 2.7590% | 3,734 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.2391% | 3,012 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.6386% | 3,341 |
| Return on assets (ROA) | 0.6398% | 3,319 |
| Pretax return on assets | 0.8338% | 3,131 |
| Return on Equity (ROE) | 8.3300% | 2,937 |
| Retained earnings to average equity (ytd only) | 5.4106% | 2,441 |
| Net charge-offs to loans | 0.0521% | 1,348 |
| Credit loss provision to net charge-offs | 194.3005% | 1,243 |
| Earnings coverage of net charge-offs (x) | 30.7409% | 1,621 |
| Efficiency ratio | 71.6152% | 1,698 |
| Assets per employee ($millions) | 7.1247% | 1,991 |
| Cash dividends to net income (ytd only)* | 35.0713% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 2,661 |
| Loan loss allowance to noncurrent loans | 359.8842% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 2,330 |
| Noncurrent loans to loans | 0.3140% | 2,065 |
| Net loans and leases to total assets | 56.8500% | 3,134 |
| Net loans and leases to deposits | 71.8642% | 2,759 |
| Net loans and leases to core deposits | 82.3482% | 2,562 |
| Total domestic deposits to total assets | 79.1000% | 3,599 |
| Equity capital to assets | 8.0005% | 3,416 |
| Core capital (leverage) ratio | 9.1309% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9802% | 1,283 |
| Memoranda: | ||
| Average total assets | $668,526,400 | 1,355 |
| Average earning assets | $601,812,400 | 1,374 |
| Average equity | $51,325,400 | 1,576 |
| Average total loans | $370,506,600 | 1,546 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3160% | 3,263 |
| Cost of funding earning assets | 1.4948% | 1,621 |
| Net interest margin | 2.8212% | 3,697 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.2794% | 2,857 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.7063% | 3,311 |
| Return on assets (ROA) | 0.7079% | 3,286 |
| Pretax return on assets | 0.9258% | 3,043 |
| Return on Equity (ROE) | 9.3200% | 2,843 |
| Retained earnings to average equity (ytd only) | 5.3793% | 2,814 |
| Net charge-offs to loans | 0.0556% | 1,111 |
| Credit loss provision to net charge-offs | 196.0784% | 1,142 |
| Earnings coverage of net charge-offs (x) | 32.1438% | 1,559 |
| Efficiency ratio | 69.9058% | 1,796 |
| Assets per employee ($millions) | 5.8695% | 2,866 |
| Cash dividends to net income (ytd only)* | 42.2773% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 2,603 |
| Loan loss allowance to noncurrent loans | 317.8203% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 2,230 |
| Noncurrent loans to loans | 0.3627% | 1,932 |
| Net loans and leases to total assets | 56.3000% | 3,176 |
| Net loans and leases to deposits | 72.0842% | 2,704 |
| Net loans and leases to core deposits | 82.6204% | 2,429 |
| Total domestic deposits to total assets | 78.1000% | 3,804 |
| Equity capital to assets | 6.9588% | 3,631 |
| Core capital (leverage) ratio | 8.8572% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0818% | 1,302 |
| Memoranda: | ||
| Average total assets | $668,227,250 | 1,352 |
| Average earning assets | $600,817,750 | 1,376 |
| Average equity | $50,761,500 | 1,578 |
| Average total loans | $366,867,250 | 1,552 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 3,348 |
| Cost of funding earning assets | 1.3123% | 1,676 |
| Net interest margin | 2.8627% | 3,709 |
| Noninterest income to average assets | 0.8300% | 808 |
| Noninterest expense to average assets | 2.4070% | 2,461 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.7199% | 3,300 |
| Return on assets (ROA) | 0.7223% | 3,293 |
| Pretax return on assets | 0.9366% | 3,080 |
| Return on Equity (ROE) | 9.2500% | 2,907 |
| Retained earnings to average equity (ytd only) | 5.4397% | 2,811 |
| Net charge-offs to loans | 0.0774% | 806 |
| Credit loss provision to net charge-offs | 159.5745% | 1,160 |
| Earnings coverage of net charge-offs (x) | 23.8369% | 1,665 |
| Efficiency ratio | 70.6360% | 1,706 |
| Assets per employee ($millions) | 4.9680% | 3,624 |
| Cash dividends to net income (ytd only)* | 41.2201% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 2,589 |
| Loan loss allowance to noncurrent loans | 310.2436% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 2,175 |
| Noncurrent loans to loans | 0.3772% | 1,792 |
| Net loans and leases to total assets | 53.3400% | 3,318 |
| Net loans and leases to deposits | 67.5572% | 2,941 |
| Net loans and leases to core deposits | 77.8275% | 2,627 |
| Total domestic deposits to total assets | 78.9600% | 3,726 |
| Equity capital to assets | 7.6883% | 3,411 |
| Core capital (leverage) ratio | 9.1393% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1271% | 1,292 |
| Memoranda: | ||
| Average total assets | $671,789,000 | 1,345 |
| Average earning assets | $603,967,000 | 1,371 |
| Average equity | $52,429,333 | 1,539 |
| Average total loans | $364,349,667 | 1,554 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0758% | 3,302 |
| Cost of funding earning assets | 1.1227% | 1,688 |
| Net interest margin | 2.9531% | 3,689 |
| Noninterest income to average assets | 0.8400% | 789 |
| Noninterest expense to average assets | 2.4341% | 2,425 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.7429% | 3,364 |
| Return on assets (ROA) | 0.7472% | 3,306 |
| Pretax return on assets | 0.9698% | 3,080 |
| Return on Equity (ROE) | 9.5000% | 2,920 |
| Retained earnings to average equity (ytd only) | 5.6761% | 2,854 |
| Net charge-offs to loans | 0.0531% | 834 |
| Credit loss provision to net charge-offs | 312.5000% | 678 |
| Earnings coverage of net charge-offs (x) | 36.5208% | 1,224 |
| Efficiency ratio | 69.7707% | 1,769 |
| Assets per employee ($millions) | 4.7472% | 3,848 |
| Cash dividends to net income (ytd only)* | 40.2576% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 2,516 |
| Loan loss allowance to noncurrent loans | 315.3735% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 2,079 |
| Noncurrent loans to loans | 0.3828% | 1,782 |
| Net loans and leases to total assets | 54.7200% | 3,147 |
| Net loans and leases to deposits | 66.3869% | 2,898 |
| Net loans and leases to core deposits | 76.1632% | 2,515 |
| Total domestic deposits to total assets | 82.4300% | 3,418 |
| Equity capital to assets | 8.1395% | 3,149 |
| Core capital (leverage) ratio | 9.1445% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6588% | 1,220 |
| Memoranda: | ||
| Average total assets | $664,889,500 | 1,374 |
| Average earning assets | $596,795,500 | 1,408 |
| Average equity | $52,289,000 | 1,553 |
| Average total loans | $361,500,500 | 1,578 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5179% | 3,028 |
| Cost of funding earning assets | 0.5625% | 1,053 |
| Net interest margin | 2.9553% | 3,560 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 2.3922% | 2,445 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9254% | 2,866 |
| Return on assets (ROA) | 0.9254% | 2,805 |
| Pretax return on assets | 1.1942% | 2,457 |
| Return on Equity (ROE) | 10.6200% | 2,604 |
| Retained earnings to average equity (ytd only) | 7.0663% | 2,212 |
| Net charge-offs to loans | 0.0984% | 743 |
| Credit loss provision to net charge-offs | 83.3333% | 1,664 |
| Earnings coverage of net charge-offs (x) | 24.2152% | 1,799 |
| Efficiency ratio | 65.9203% | 2,236 |
| Assets per employee ($millions) | 5.0703% | 3,620 |
| Cash dividends to net income (ytd only)* | 33.4504% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 2,527 |
| Loan loss allowance to noncurrent loans | 327.7006% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 2,223 |
| Noncurrent loans to loans | 0.3573% | 1,864 |
| Net loans and leases to total assets | 52.7700% | 3,301 |
| Net loans and leases to deposits | 64.1414% | 3,031 |
| Net loans and leases to core deposits | 70.7040% | 2,824 |
| Total domestic deposits to total assets | 82.2600% | 3,575 |
| Equity capital to assets | 7.6009% | 3,325 |
| Core capital (leverage) ratio | 9.2104% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0182% | 1,369 |
| Memoranda: | ||
| Average total assets | $646,130,000 | 1,390 |
| Average earning assets | $583,790,200 | 1,420 |
| Average equity | $56,309,200 | 1,473 |
| Average total loans | $335,344,800 | 1,588 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4038% | 2,912 |
| Cost of funding earning assets | 0.4733% | 865 |
| Net interest margin | 2.9305% | 3,410 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 2.3835% | 2,389 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9169% | 2,811 |
| Return on assets (ROA) | 0.9169% | 2,775 |
| Pretax return on assets | 1.1782% | 2,459 |
| Return on Equity (ROE) | 10.1700% | 2,674 |
| Retained earnings to average equity (ytd only) | 6.6948% | 2,479 |
| Net charge-offs to loans | 0.0909% | 678 |
| Credit loss provision to net charge-offs | 89.2857% | 1,383 |
| Earnings coverage of net charge-offs (x) | 26.0536% | 1,590 |
| Efficiency ratio | 66.1446% | 2,259 |
| Assets per employee ($millions) | 4.6885% | 3,915 |
| Cash dividends to net income (ytd only)* | 34.1997% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 2,103 |
| Loan loss allowance to noncurrent loans | 451.2658% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 2,558 |
| Noncurrent loans to loans | 0.2847% | 2,230 |
| Net loans and leases to total assets | 52.3200% | 3,250 |
| Net loans and leases to deposits | 63.0612% | 2,937 |
| Net loans and leases to core deposits | 66.8382% | 2,891 |
| Total domestic deposits to total assets | 82.9600% | 3,697 |
| Equity capital to assets | 7.3644% | 3,291 |
| Core capital (leverage) ratio | 9.1634% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0107% | 1,171 |
| Memoranda: | ||
| Average total assets | $637,807,750 | 1,415 |
| Average earning assets | $578,589,500 | 1,438 |
| Average equity | $57,476,000 | 1,462 |
| Average total loans | $328,494,000 | 1,606 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2384% | 2,928 |
| Cost of funding earning assets | 0.4204% | 801 |
| Net interest margin | 2.8181% | 3,390 |
| Noninterest income to average assets | 0.8921% | 861 |
| Noninterest expense to average assets | 2.3386% | 2,430 |
| Loan and lease loss provision to assets | 0.0390% | 1,887 |
| Net operating income to assets | 0.8462% | 2,796 |
| Return on assets (ROA) | 0.8462% | 2,770 |
| Pretax return on assets | 1.0790% | 2,487 |
| Return on Equity (ROE) | 8.8610% | 2,741 |
| Retained earnings to average equity (ytd only) | 5.5937% | 2,477 |
| Net charge-offs to loans | 0.1511% | 426 |
| Credit loss provision to net charge-offs | 50.6073% | 1,493 |
| Earnings coverage of net charge-offs (x) | 14.5061% | 1,655 |
| Efficiency ratio | 67.6566% | 2,287 |
| Assets per employee ($millions) | 4.8863% | 3,783 |
| Cash dividends to net income (ytd only)* | 36.8732% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,300 |
| Loan loss allowance to noncurrent loans | 228.2906% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 1,851 |
| Noncurrent loans to loans | 0.5587% | 1,502 |
| Net loans and leases to total assets | 50.9359% | 3,270 |
| Net loans and leases to deposits | 62.5131% | 2,848 |
| Net loans and leases to core deposits | 66.1198% | 2,808 |
| Total domestic deposits to total assets | 81.4804% | 4,070 |
| Equity capital to assets | 7.6903% | 3,353 |
| Core capital (leverage) ratio | 8.9876% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8098% | 1,221 |
| Memoranda: | ||
| Average total assets | $640,989,333 | 1,406 |
| Average earning assets | $583,308,000 | 1,442 |
| Average equity | $61,212,000 | 1,416 |
| Average total loans | $327,003,667 | 1,606 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0865% | 3,017 |
| Cost of funding earning assets | 0.4023% | 855 |
| Net interest margin | 2.6842% | 3,439 |
| Noninterest income to average assets | 0.9387% | 780 |
| Noninterest expense to average assets | 2.3669% | 2,280 |
| Loan and lease loss provision to assets | 0.0311% | 1,807 |
| Net operating income to assets | 0.7896% | 2,698 |
| Return on assets (ROA) | 0.7896% | 2,695 |
| Pretax return on assets | 0.9990% | 2,446 |
| Return on Equity (ROE) | 7.5438% | 2,857 |
| Retained earnings to average equity (ytd only) | 4.5761% | 2,748 |
| Net charge-offs to loans | 0.1812% | 332 |
| Credit loss provision to net charge-offs | 33.7838% | 1,248 |
| Earnings coverage of net charge-offs (x) | 11.2027% | 1,444 |
| Efficiency ratio | 69.6781% | 2,278 |
| Assets per employee ($millions) | 5.0830% | 3,684 |
| Cash dividends to net income (ytd only)* | 39.3391% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 2,308 |
| Loan loss allowance to noncurrent loans | 105.2579% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 967 |
| Noncurrent loans to loans | 1.2448% | 704 |
| Net loans and leases to total assets | 48.6677% | 3,316 |
| Net loans and leases to deposits | 59.5554% | 2,948 |
| Net loans and leases to core deposits | 62.9155% | 2,900 |
| Total domestic deposits to total assets | 81.7184% | 4,109 |
| Equity capital to assets | 9.5532% | 2,241 |
| Core capital (leverage) ratio | 8.8904% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6769% | 1,347 |
| Memoranda: | ||
| Average total assets | $643,875,000 | 1,401 |
| Average earning assets | $589,666,500 | 1,433 |
| Average equity | $67,393,000 | 1,367 |
| Average total loans | $326,638,500 | 1,596 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4709% | 2,749 |
| Cost of funding earning assets | 0.4891% | 973 |
| Net interest margin | 2.9817% | 3,245 |
| Noninterest income to average assets | 1.0193% | 962 |
| Noninterest expense to average assets | 2.3185% | 2,742 |
| Loan and lease loss provision to assets | 0.1313% | 932 |
| Net operating income to assets | 0.9938% | 2,698 |
| Return on assets (ROA) | 1.0009% | 2,732 |
| Pretax return on assets | 1.3043% | 2,344 |
| Return on Equity (ROE) | 8.7061% | 3,007 |
| Retained earnings to average equity (ytd only) | 6.2692% | 2,242 |
| Net charge-offs to loans | 0.1115% | 794 |
| Credit loss provision to net charge-offs | 224.6575% | 1,235 |
| Earnings coverage of net charge-offs (x) | 24.4137% | 1,745 |
| Efficiency ratio | 61.9074% | 2,884 |
| Assets per employee ($millions) | 4.9394% | 3,788 |
| Cash dividends to net income (ytd only)* | 27.9910% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 2,388 |
| Loan loss allowance to noncurrent loans | 92.6357% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 851 |
| Noncurrent loans to loans | 1.3970% | 667 |
| Net loans and leases to total assets | 51.4957% | 3,119 |
| Net loans and leases to deposits | 65.0623% | 2,592 |
| Net loans and leases to core deposits | 69.1638% | 2,533 |
| Total domestic deposits to total assets | 79.1483% | 4,301 |
| Equity capital to assets | 11.4071% | 1,551 |
| Core capital (leverage) ratio | 8.9461% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6550% | 1,351 |
| Memoranda: | ||
| Average total assets | $624,639,000 | 1,406 |
| Average earning assets | $571,010,200 | 1,430 |
| Average equity | $71,811,800 | 1,322 |
| Average total loans | $327,286,800 | 1,601 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5078% | 2,814 |
| Cost of funding earning assets | 0.5106% | 997 |
| Net interest margin | 2.9972% | 3,311 |
| Noninterest income to average assets | 0.9967% | 1,076 |
| Noninterest expense to average assets | 2.2725% | 2,827 |
| Loan and lease loss provision to assets | 0.1759% | 607 |
| Net operating income to assets | 0.9859% | 2,964 |
| Return on assets (ROA) | 0.9896% | 3,029 |
| Pretax return on assets | 1.2895% | 2,646 |
| Return on Equity (ROE) | 8.5909% | 3,234 |
| Retained earnings to average equity (ytd only) | 6.2630% | 2,714 |
| Net charge-offs to loans | 0.0180% | 1,699 |
| Credit loss provision to net charge-offs | 1,863.6364% | 345 |
| Earnings coverage of net charge-offs (x) | 154.7500% | 666 |
| Efficiency ratio | 60.8723% | 2,850 |
| Assets per employee ($millions) | 5.1360% | 3,564 |
| Cash dividends to net income (ytd only)* | 27.0973% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 2,001 |
| Loan loss allowance to noncurrent loans | 115.4019% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 971 |
| Noncurrent loans to loans | 1.2193% | 909 |
| Net loans and leases to total assets | 50.0572% | 3,406 |
| Net loans and leases to deposits | 64.1382% | 2,839 |
| Net loans and leases to core deposits | 68.3663% | 2,744 |
| Total domestic deposits to total assets | 78.0457% | 4,423 |
| Equity capital to assets | 11.3286% | 1,782 |
| Core capital (leverage) ratio | 9.0045% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6914% | 1,428 |
| Memoranda: | ||
| Average total assets | $621,501,500 | 1,429 |
| Average earning assets | $567,451,500 | 1,454 |
| Average equity | $71,593,500 | 1,345 |
| Average total loans | $326,001,750 | 1,634 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5072% | 2,874 |
| Cost of funding earning assets | 0.5423% | 976 |
| Net interest margin | 2.9649% | 3,406 |
| Noninterest income to average assets | 0.9289% | 1,199 |
| Noninterest expense to average assets | 2.3082% | 2,748 |
| Loan and lease loss provision to assets | 0.2186% | 486 |
| Net operating income to assets | 0.8562% | 3,348 |
| Return on assets (ROA) | 0.8588% | 3,416 |
| Pretax return on assets | 1.1061% | 3,192 |
| Return on Equity (ROE) | 7.4119% | 3,550 |
| Retained earnings to average equity (ytd only) | 5.2998% | 3,073 |
| Net charge-offs to loans | -0.0486% | 4,362 |
| Credit loss provision to net charge-offs | -848.1013% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5922% | 2,484 |
| Assets per employee ($millions) | 4.9170% | 3,729 |
| Cash dividends to net income (ytd only)* | 28.4954% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 1,847 |
| Loan loss allowance to noncurrent loans | 96.4736% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 890 |
| Noncurrent loans to loans | 1.4840% | 767 |
| Net loans and leases to total assets | 49.8861% | 3,568 |
| Net loans and leases to deposits | 62.1962% | 3,180 |
| Net loans and leases to core deposits | 67.7656% | 2,982 |
| Total domestic deposits to total assets | 80.2076% | 4,209 |
| Equity capital to assets | 11.3094% | 1,747 |
| Core capital (leverage) ratio | 8.6504% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6217% | 1,441 |
| Memoranda: | ||
| Average total assets | $612,958,000 | 1,436 |
| Average earning assets | $558,339,333 | 1,466 |
| Average equity | $71,021,000 | 1,342 |
| Average total loans | $325,149,333 | 1,640 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3807% | 3,257 |
| Cost of funding earning assets | 0.5775% | 974 |
| Net interest margin | 2.8032% | 3,758 |
| Noninterest income to average assets | 0.9331% | 1,247 |
| Noninterest expense to average assets | 2.3590% | 2,628 |
| Loan and lease loss provision to assets | 0.1009% | 1,334 |
| Net operating income to assets | 0.7890% | 3,460 |
| Return on assets (ROA) | 0.7890% | 3,527 |
| Pretax return on assets | 1.0201% | 3,313 |
| Return on Equity (ROE) | 6.7248% | 3,671 |
| Retained earnings to average equity (ytd only) | 5.3096% | 3,123 |
| Net charge-offs to loans | -0.0807% | 4,571 |
| Credit loss provision to net charge-offs | -230.3030% | 3,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7863% | 1,959 |
| Assets per employee ($millions) | 4.9408% | 3,721 |
| Cash dividends to net income (ytd only)* | 21.0438% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,793 |
| Loan loss allowance to noncurrent loans | 113.8018% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.7268% | 1,278 |
| Noncurrent loans to loans | 1.0766% | 1,245 |
| Net loans and leases to total assets | 53.0644% | 3,340 |
| Net loans and leases to deposits | 67.7193% | 2,730 |
| Net loans and leases to core deposits | 74.0273% | 2,510 |
| Total domestic deposits to total assets | 78.3594% | 4,402 |
| Equity capital to assets | 11.2666% | 1,675 |
| Core capital (leverage) ratio | 8.8574% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3379% | 1,463 |
| Memoranda: | ||
| Average total assets | $602,290,500 | 1,446 |
| Average earning assets | $547,227,500 | 1,479 |
| Average equity | $70,664,000 | 1,339 |
| Average total loans | $327,214,000 | 1,640 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9309% | 2,934 |
| Cost of funding earning assets | 0.7994% | 1,214 |
| Net interest margin | 3.1315% | 3,544 |
| Noninterest income to average assets | 1.1047% | 870 |
| Noninterest expense to average assets | 2.6907% | 2,264 |
| Loan and lease loss provision to assets | 0.4554% | 607 |
| Net operating income to assets | 0.6169% | 3,689 |
| Return on assets (ROA) | 0.6696% | 3,652 |
| Pretax return on assets | 0.8430% | 3,518 |
| Return on Equity (ROE) | 5.4634% | 3,761 |
| Retained earnings to average equity (ytd only) | 5.4634% | 2,065 |
| Net charge-offs to loans | 0.8215% | 175 |
| Credit loss provision to net charge-offs | 94.8047% | 2,891 |
| Earnings coverage of net charge-offs (x) | 2.5643% | 3,156 |
| Efficiency ratio | 68.5985% | 2,151 |
| Assets per employee ($millions) | 4.5153% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,987 |
| Loan loss allowance to noncurrent loans | 101.5040% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 1,277 |
| Noncurrent loans to loans | 1.1747% | 1,209 |
| Net loans and leases to total assets | 54.3102% | 3,465 |
| Net loans and leases to deposits | 70.8427% | 2,790 |
| Net loans and leases to core deposits | 77.8145% | 2,567 |
| Total domestic deposits to total assets | 76.6631% | 4,454 |
| Equity capital to assets | 12.2918% | 1,425 |
| Core capital (leverage) ratio | 9.0898% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2099% | 1,210 |
| Memoranda: | ||
| Average total assets | $549,011,400 | 1,432 |
| Average earning assets | $493,985,200 | 1,470 |
| Average equity | $67,284,600 | 1,336 |
| Average total loans | $321,002,400 | 1,606 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 2,941 |
| Cost of funding earning assets | 0.8500% | 1,258 |
| Net interest margin | 3.1604% | 3,593 |
| Noninterest income to average assets | 1.1472% | 797 |
| Noninterest expense to average assets | 2.7486% | 2,125 |
| Loan and lease loss provision to assets | 0.4324% | 765 |
| Net operating income to assets | 0.6413% | 3,661 |
| Return on assets (ROA) | 0.7127% | 3,521 |
| Pretax return on assets | 0.8995% | 3,384 |
| Return on Equity (ROE) | 5.8201% | 3,613 |
| Retained earnings to average equity (ytd only) | 2.7930% | 3,608 |
| Net charge-offs to loans | 0.7602% | 183 |
| Credit loss provision to net charge-offs | 95.7330% | 2,664 |
| Earnings coverage of net charge-offs (x) | 2.7484% | 2,962 |
| Efficiency ratio | 68.8839% | 2,061 |
| Assets per employee ($millions) | 4.4891% | 3,862 |
| Cash dividends to net income (ytd only)* | 52.0111% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 2,753 |
| Loan loss allowance to noncurrent loans | 46.0233% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 1.6324% | 494 |
| Noncurrent loans to loans | 2.5749% | 402 |
| Net loans and leases to total assets | 56.2415% | 3,599 |
| Net loans and leases to deposits | 74.5675% | 2,906 |
| Net loans and leases to core deposits | 81.8413% | 2,674 |
| Total domestic deposits to total assets | 75.4236% | 4,474 |
| Equity capital to assets | 11.9279% | 1,722 |
| Core capital (leverage) ratio | 9.0723% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7158% | 1,583 |
| Memoranda: | ||
| Average total assets | $539,518,250 | 1,435 |
| Average earning assets | $485,329,500 | 1,466 |
| Average equity | $66,068,000 | 1,343 |
| Average total loans | $320,593,250 | 1,609 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 2,805 |
| Cost of funding earning assets | 0.9147% | 1,302 |
| Net interest margin | 3.2716% | 3,458 |
| Noninterest income to average assets | 1.0932% | 830 |
| Noninterest expense to average assets | 2.8431% | 1,993 |
| Loan and lease loss provision to assets | 0.3895% | 1,051 |
| Net operating income to assets | 0.6305% | 3,638 |
| Return on assets (ROA) | 0.7417% | 3,359 |
| Pretax return on assets | 0.9298% | 3,233 |
| Return on Equity (ROE) | 6.0001% | 3,508 |
| Retained earnings to average equity (ytd only) | 2.9263% | 3,419 |
| Net charge-offs to loans | 0.8722% | 175 |
| Credit loss provision to net charge-offs | 74.0072% | 2,530 |
| Earnings coverage of net charge-offs (x) | 2.2426% | 2,794 |
| Efficiency ratio | 70.6649% | 1,866 |
| Assets per employee ($millions) | 4.3621% | 3,943 |
| Cash dividends to net income (ytd only)* | 51.2295% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,049 |
| Loan loss allowance to noncurrent loans | 36.6915% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.9501% | 378 |
| Noncurrent loans to loans | 3.0027% | 319 |
| Net loans and leases to total assets | 59.2990% | 3,398 |
| Net loans and leases to deposits | 78.1004% | 2,640 |
| Net loans and leases to core deposits | 85.9708% | 2,443 |
| Total domestic deposits to total assets | 75.9267% | 4,434 |
| Equity capital to assets | 12.4726% | 1,386 |
| Core capital (leverage) ratio | 9.1870% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3428% | 1,680 |
| Memoranda: | ||
| Average total assets | $526,325,333 | 1,446 |
| Average earning assets | $471,389,333 | 1,477 |
| Average equity | $65,066,000 | 1,350 |
| Average total loans | $317,591,333 | 1,605 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3047% | 2,905 |
| Cost of funding earning assets | 0.9870% | 1,478 |
| Net interest margin | 3.3177% | 3,551 |
| Noninterest income to average assets | 1.0231% | 814 |
| Noninterest expense to average assets | 3.0221% | 1,832 |
| Loan and lease loss provision to assets | 0.1741% | 1,694 |
| Net operating income to assets | 0.6146% | 3,559 |
| Return on assets (ROA) | 0.8451% | 2,820 |
| Pretax return on assets | 1.0765% | 2,598 |
| Return on Equity (ROE) | 6.8685% | 3,006 |
| Retained earnings to average equity (ytd only) | 3.7236% | 2,795 |
| Net charge-offs to loans | 0.6749% | 224 |
| Credit loss provision to net charge-offs | 42.6136% | 2,088 |
| Earnings coverage of net charge-offs (x) | 2.3466% | 2,297 |
| Efficiency ratio | 75.9137% | 1,571 |
| Assets per employee ($millions) | 3.9070% | 4,039 |
| Cash dividends to net income (ytd only)* | 45.7875% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 2,835 |
| Loan loss allowance to noncurrent loans | 36.4152% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 2.2907% | 323 |
| Noncurrent loans to loans | 3.2061% | 311 |
| Net loans and leases to total assets | 60.5192% | 3,443 |
| Net loans and leases to deposits | 79.3420% | 2,744 |
| Net loans and leases to core deposits | 87.8327% | 2,535 |
| Total domestic deposits to total assets | 76.2763% | 4,450 |
| Equity capital to assets | 12.2235% | 1,900 |
| Core capital (leverage) ratio | 9.5506% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6411% | 1,703 |
| Memoranda: | ||
| Average total assets | $516,854,500 | 1,428 |
| Average earning assets | $460,803,500 | 1,461 |
| Average equity | $63,594,500 | 1,365 |
| Average total loans | $312,917,000 | 1,589 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 3,382 |
| Cost of funding earning assets | 1.0092% | 1,687 |
| Net interest margin | 3.3435% | 3,888 |
| Noninterest income to average assets | 1.0881% | 802 |
| Noninterest expense to average assets | 2.9241% | 2,224 |
| Loan and lease loss provision to assets | 0.2624% | 687 |
| Net operating income to assets | 0.7220% | 3,793 |
| Return on assets (ROA) | 0.8535% | 3,471 |
| Pretax return on assets | 1.0362% | 3,373 |
| Return on Equity (ROE) | 6.9558% | 3,557 |
| Retained earnings to average equity (ytd only) | 3.5500% | 3,223 |
| Net charge-offs to loans | 0.2867% | 733 |
| Credit loss provision to net charge-offs | 152.3702% | 1,674 |
| Earnings coverage of net charge-offs (x) | 6.6095% | 2,963 |
| Efficiency ratio | 71.9809% | 1,874 |
| Assets per employee ($millions) | 3.8984% | 4,033 |
| Cash dividends to net income (ytd only)* | 48.9638% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 2,907 |
| Loan loss allowance to noncurrent loans | 27.8117% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 2.7887% | 206 |
| Noncurrent loans to loans | 3.9843% | 172 |
| Net loans and leases to total assets | 59.1445% | 3,659 |
| Net loans and leases to deposits | 78.5285% | 2,951 |
| Net loans and leases to core deposits | 86.4209% | 2,761 |
| Total domestic deposits to total assets | 75.3160% | 4,673 |
| Equity capital to assets | 12.4399% | 1,856 |
| Core capital (leverage) ratio | 9.4152% | 4,151 |
| Tier 1 risk-based capital ratio | 14.2453% | 3,145 |
| Total risk-based capital ratio | 15.2888% | 3,158 |
| Memoranda: | ||
| Average total assets | $514,486,000 | 1,389 |
| Average earning assets | $457,669,400 | 1,438 |
| Average equity | $63,127,400 | 1,332 |
| Average total loans | $309,074,000 | 1,571 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4202% | 3,283 |
| Cost of funding earning assets | 1.0023% | 1,755 |
| Net interest margin | 3.4179% | 3,813 |
| Noninterest income to average assets | 1.0913% | 769 |
| Noninterest expense to average assets | 2.8086% | 2,540 |
| Loan and lease loss provision to assets | 0.1756% | 1,048 |
| Net operating income to assets | 0.9012% | 3,344 |
| Return on assets (ROA) | 0.9051% | 3,399 |
| Pretax return on assets | 1.1478% | 3,143 |
| Return on Equity (ROE) | 7.4024% | 3,548 |
| Retained earnings to average equity (ytd only) | 3.8916% | 3,457 |
| Net charge-offs to loans | 0.0333% | 2,403 |
| Credit loss provision to net charge-offs | 876.6234% | 402 |
| Earnings coverage of net charge-offs (x) | 65.8208% | 998 |
| Efficiency ratio | 68.0535% | 2,413 |
| Assets per employee ($millions) | 3.8685% | 4,070 |
| Cash dividends to net income (ytd only)* | 47.4275% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 2,663 |
| Loan loss allowance to noncurrent loans | 62.3332% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.6515% | 623 |
| Noncurrent loans to loans | 1.8756% | 751 |
| Net loans and leases to total assets | 58.2051% | 3,864 |
| Net loans and leases to deposits | 77.7690% | 3,120 |
| Net loans and leases to core deposits | 87.5278% | 2,778 |
| Total domestic deposits to total assets | 74.8436% | 4,757 |
| Equity capital to assets | 12.4773% | 1,927 |
| Core capital (leverage) ratio | 9.2369% | 4,445 |
| Tier 1 risk-based capital ratio | 14.3624% | 3,151 |
| Total risk-based capital ratio | 15.4666% | 3,119 |
| Memoranda: | ||
| Average total assets | $512,510,000 | 1,399 |
| Average earning assets | $455,199,000 | 1,453 |
| Average equity | $62,663,000 | 1,331 |
| Average total loans | $308,235,750 | 1,586 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4231% | 3,268 |
| Cost of funding earning assets | 0.9323% | 1,998 |
| Net interest margin | 3.4908% | 3,627 |
| Noninterest income to average assets | 0.9999% | 871 |
| Noninterest expense to average assets | 2.8064% | 2,565 |
| Loan and lease loss provision to assets | 0.1767% | 1,016 |
| Net operating income to assets | 0.8793% | 3,363 |
| Return on assets (ROA) | 0.8852% | 3,405 |
| Pretax return on assets | 1.1224% | 3,169 |
| Return on Equity (ROE) | 7.2910% | 3,571 |
| Retained earnings to average equity (ytd only) | 3.5711% | 3,463 |
| Net charge-offs to loans | 0.0214% | 2,420 |
| Credit loss provision to net charge-offs | 1,363.6364% | 264 |
| Earnings coverage of net charge-offs (x) | 99.6667% | 700 |
| Efficiency ratio | 68.4811% | 2,450 |
| Assets per employee ($millions) | 3.9558% | 3,929 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,076 |
| Loan loss allowance to noncurrent loans | 74.7756% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.4882% | 759 |
| Noncurrent loans to loans | 1.4685% | 1,052 |
| Net loans and leases to total assets | 59.8131% | 3,751 |
| Net loans and leases to deposits | 78.8514% | 3,076 |
| Net loans and leases to core deposits | 88.9477% | 2,706 |
| Total domestic deposits to total assets | 75.8555% | 4,687 |
| Equity capital to assets | 12.3798% | 1,921 |
| Core capital (leverage) ratio | 9.3190% | 4,344 |
| Tier 1 risk-based capital ratio | 14.0203% | 3,310 |
| Total risk-based capital ratio | 15.0612% | 3,315 |
| Memoranda: | ||
| Average total assets | $509,262,330 | 1,405 |
| Average earning assets | $451,992,000 | 1,464 |
| Average equity | $61,829,670 | 1,335 |
| Average total loans | $308,456,330 | 1,580 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 3,352 |
| Cost of funding earning assets | 0.8913% | 2,049 |
| Net interest margin | 3.4750% | 3,667 |
| Noninterest income to average assets | 1.0056% | 799 |
| Noninterest expense to average assets | 2.8581% | 2,391 |
| Loan and lease loss provision to assets | 0.1776% | 940 |
| Net operating income to assets | 0.8443% | 3,472 |
| Return on assets (ROA) | 0.8564% | 3,466 |
| Pretax return on assets | 1.0593% | 3,268 |
| Return on Equity (ROE) | 7.1249% | 3,628 |
| Retained earnings to average equity (ytd only) | 2.8565% | 3,792 |
| Net charge-offs to loans | 0.0221% | 2,007 |
| Credit loss provision to net charge-offs | 1,323.5294% | 290 |
| Earnings coverage of net charge-offs (x) | 91.0588% | 713 |
| Efficiency ratio | 70.0522% | 2,330 |
| Assets per employee ($millions) | 3.7898% | 4,208 |
| Cash dividends to net income (ytd only)* | 59.9078% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 3,453 |
| Loan loss allowance to noncurrent loans | 71.4668% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.5398% | 765 |
| Noncurrent loans to loans | 1.4579% | 1,107 |
| Net loans and leases to total assets | 60.8679% | 3,613 |
| Net loans and leases to deposits | 79.3203% | 2,916 |
| Net loans and leases to core deposits | 87.9316% | 2,693 |
| Total domestic deposits to total assets | 76.7369% | 4,682 |
| Equity capital to assets | 12.3176% | 1,835 |
| Core capital (leverage) ratio | 9.1345% | 4,538 |
| Tier 1 risk-based capital ratio | 14.1443% | 3,277 |
| Total risk-based capital ratio | 15.1587% | 3,308 |
| Memoranda: | ||
| Average total assets | $506,768,500 | 1,417 |
| Average earning assets | $448,344,500 | 1,481 |
| Average equity | $60,913,000 | 1,354 |
| Average total loans | $307,182,500 | 1,599 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4095% | 2,729 |
| Cost of funding earning assets | 0.7555% | 1,757 |
| Net interest margin | 3.6541% | 3,204 |
| Noninterest income to average assets | 1.0016% | 936 |
| Noninterest expense to average assets | 2.9309% | 2,238 |
| Loan and lease loss provision to assets | 0.1849% | 1,050 |
| Net operating income to assets | 0.9021% | 3,430 |
| Return on assets (ROA) | 0.9050% | 3,414 |
| Pretax return on assets | 1.1355% | 3,153 |
| Return on Equity (ROE) | 7.5285% | 3,649 |
| Retained earnings to average equity (ytd only) | 0.5366% | 4,841 |
| Net charge-offs to loans | 0.1745% | 1,104 |
| Credit loss provision to net charge-offs | 184.4864% | 1,534 |
| Earnings coverage of net charge-offs (x) | 13.1384% | 2,484 |
| Efficiency ratio | 68.9998% | 2,388 |
| Assets per employee ($millions) | 4.0100% | 3,883 |
| Cash dividends to net income (ytd only)* | 92.8721% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 3,824 |
| Loan loss allowance to noncurrent loans | 56.2371% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.4433% | 822 |
| Noncurrent loans to loans | 1.7384% | 825 |
| Net loans and leases to total assets | 59.1617% | 3,849 |
| Net loans and leases to deposits | 77.0842% | 3,271 |
| Net loans and leases to core deposits | 83.9980% | 3,094 |
| Total domestic deposits to total assets | 76.7494% | 4,670 |
| Equity capital to assets | 11.7297% | 2,076 |
| Core capital (leverage) ratio | 9.6146% | 3,989 |
| Tier 1 risk-based capital ratio | 14.0137% | 3,282 |
| Total risk-based capital ratio | 14.9641% | 3,358 |
| Memoranda: | ||
| Average total assets | $475,922,200 | 1,468 |
| Average earning assets | $422,790,200 | 1,519 |
| Average equity | $57,209,400 | 1,382 |
| Average total loans | $273,318,400 | 1,709 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 2,575 |
| Cost of funding earning assets | 0.7326% | 1,664 |
| Net interest margin | 3.6833% | 3,077 |
| Noninterest income to average assets | 1.0247% | 913 |
| Noninterest expense to average assets | 2.9805% | 2,071 |
| Loan and lease loss provision to assets | 0.1886% | 950 |
| Net operating income to assets | 0.8956% | 3,553 |
| Return on assets (ROA) | 0.8967% | 3,551 |
| Pretax return on assets | 1.1342% | 3,264 |
| Return on Equity (ROE) | 7.4104% | 3,785 |
| Retained earnings to average equity (ytd only) | -0.7368% | 5,116 |
| Net charge-offs to loans | 0.1248% | 1,266 |
| Credit loss provision to net charge-offs | 266.1290% | 1,120 |
| Earnings coverage of net charge-offs (x) | 18.6451% | 2,039 |
| Efficiency ratio | 69.2839% | 2,306 |
| Assets per employee ($millions) | 3.8353% | 4,129 |
| Cash dividends to net income (ytd only)* | 109.9426% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,573 |
| Loan loss allowance to noncurrent loans | 51.8806% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.5891% | 792 |
| Noncurrent loans to loans | 1.9906% | 740 |
| Net loans and leases to total assets | 57.7956% | 4,062 |
| Net loans and leases to deposits | 75.3296% | 3,475 |
| Net loans and leases to core deposits | 80.9056% | 3,414 |
| Total domestic deposits to total assets | 76.7236% | 4,686 |
| Equity capital to assets | 11.5407% | 2,234 |
| Core capital (leverage) ratio | 8.9951% | 4,711 |
| Tier 1 risk-based capital ratio | 14.5233% | 3,116 |
| Total risk-based capital ratio | 15.5355% | 3,140 |
| Memoranda: | ||
| Average total assets | $466,581,500 | 1,507 |
| Average earning assets | $415,119,000 | 1,551 |
| Average equity | $56,460,000 | 1,394 |
| Average total loans | $264,981,500 | 1,764 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 3,394 |
| Cost of funding earning assets | 0.7136% | 1,552 |
| Net interest margin | 3.4019% | 3,947 |
| Noninterest income to average assets | 0.9414% | 1,076 |
| Noninterest expense to average assets | 2.6488% | 3,167 |
| Loan and lease loss provision to assets | 0.2106% | 801 |
| Net operating income to assets | 0.8635% | 3,612 |
| Return on assets (ROA) | 0.8660% | 3,600 |
| Pretax return on assets | 1.1072% | 3,289 |
| Return on Equity (ROE) | 7.0375% | 3,892 |
| Retained earnings to average equity (ytd only) | 3.4724% | 3,847 |
| Net charge-offs to loans | 0.1381% | 1,085 |
| Credit loss provision to net charge-offs | 271.1864% | 1,086 |
| Earnings coverage of net charge-offs (x) | 16.9322% | 1,978 |
| Efficiency ratio | 66.8290% | 2,849 |
| Assets per employee ($millions) | 3.9278% | 4,023 |
| Cash dividends to net income (ytd only)* | 50.6586% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 3,055 |
| Loan loss allowance to noncurrent loans | 57.8559% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.5472% | 850 |
| Noncurrent loans to loans | 1.9657% | 767 |
| Net loans and leases to total assets | 54.3529% | 4,308 |
| Net loans and leases to deposits | 71.6116% | 3,740 |
| Net loans and leases to core deposits | 77.2268% | 3,644 |
| Total domestic deposits to total assets | 75.8996% | 4,862 |
| Equity capital to assets | 12.0924% | 1,789 |
| Core capital (leverage) ratio | 9.6614% | 3,930 |
| Tier 1 risk-based capital ratio | 15.2527% | 2,754 |
| Total risk-based capital ratio | 16.2992% | 2,779 |
| Memoranda: | ||
| Average total assets | $455,912,000 | 1,541 |
| Average earning assets | $405,012,000 | 1,592 |
| Average equity | $56,099,670 | 1,396 |
| Average total loans | $256,252,000 | 1,816 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 3,030 |
| Cost of funding earning assets | 0.7034% | 1,422 |
| Net interest margin | 3.4554% | 3,691 |
| Noninterest income to average assets | 0.9431% | 1,039 |
| Noninterest expense to average assets | 2.7107% | 3,008 |
| Loan and lease loss provision to assets | 0.2654% | 529 |
| Net operating income to assets | 0.8241% | 3,614 |
| Return on assets (ROA) | 0.8290% | 3,606 |
| Pretax return on assets | 1.0546% | 3,339 |
| Return on Equity (ROE) | 6.6778% | 3,917 |
| Retained earnings to average equity (ytd only) | 3.2926% | 3,887 |
| Net charge-offs to loans | 0.2273% | 663 |
| Credit loss provision to net charge-offs | 205.4795% | 1,032 |
| Earnings coverage of net charge-offs (x) | 10.1712% | 1,918 |
| Efficiency ratio | 67.3555% | 2,943 |
| Assets per employee ($millions) | 3.7929% | 4,296 |
| Cash dividends to net income (ytd only)* | 50.6937% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 3,494 |
| Loan loss allowance to noncurrent loans | 70.6684% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.3559% | 1,084 |
| Noncurrent loans to loans | 1.5308% | 1,144 |
| Net loans and leases to total assets | 56.6451% | 4,064 |
| Net loans and leases to deposits | 71.9745% | 3,602 |
| Net loans and leases to core deposits | 79.0202% | 3,397 |
| Total domestic deposits to total assets | 78.7016% | 4,627 |
| Equity capital to assets | 12.5515% | 1,450 |
| Core capital (leverage) ratio | 9.5724% | 3,992 |
| Tier 1 risk-based capital ratio | 15.1429% | 2,811 |
| Total risk-based capital ratio | 16.1415% | 2,857 |
| Memoranda: | ||
| Average total assets | $452,127,000 | 1,564 |
| Average earning assets | $403,192,000 | 1,607 |
| Average equity | $56,126,500 | 1,404 |
| Average total loans | $256,971,000 | 1,812 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 3,518 |
| Cost of funding earning assets | 0.6365% | 1,376 |
| Net interest margin | 3.3297% | 4,068 |
| Noninterest income to average assets | 0.9832% | 1,060 |
| Noninterest expense to average assets | 2.5193% | 3,714 |
| Loan and lease loss provision to assets | 0.2203% | 898 |
| Net operating income to assets | 0.7937% | 3,191 |
| Return on assets (ROA) | 0.8132% | 3,146 |
| Pretax return on assets | 1.2483% | 2,562 |
| Return on Equity (ROE) | 6.5164% | 3,520 |
| Retained earnings to average equity (ytd only) | 2.0586% | 4,087 |
| Net charge-offs to loans | 0.5994% | 382 |
| Credit loss provision to net charge-offs | 64.1437% | 3,174 |
| Earnings coverage of net charge-offs (x) | 4.1886% | 3,505 |
| Efficiency ratio | 63.6515% | 3,652 |
| Assets per employee ($millions) | 3.9358% | 4,068 |
| Cash dividends to net income (ytd only)* | 68.4096% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,963 |
| Loan loss allowance to noncurrent loans | 59.8064% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.4519% | 966 |
| Noncurrent loans to loans | 1.6700% | 984 |
| Net loans and leases to total assets | 55.8595% | 4,204 |
| Net loans and leases to deposits | 73.8651% | 3,528 |
| Net loans and leases to core deposits | 80.1560% | 3,408 |
| Total domestic deposits to total assets | 75.6237% | 5,022 |
| Equity capital to assets | 12.2813% | 1,650 |
| Core capital (leverage) ratio | 9.5563% | 3,969 |
| Tier 1 risk-based capital ratio | 15.2221% | 2,731 |
| Total risk-based capital ratio | 16.1549% | 2,824 |
| Memoranda: | ||
| Average total assets | $453,904,800 | 1,533 |
| Average earning assets | $405,507,000 | 1,581 |
| Average equity | $56,641,600 | 1,383 |
| Average total loans | $260,079,000 | 1,760 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 3,496 |
| Cost of funding earning assets | 0.6212% | 1,400 |
| Net interest margin | 3.3366% | 4,056 |
| Noninterest income to average assets | 0.9699% | 1,094 |
| Noninterest expense to average assets | 2.4997% | 3,736 |
| Loan and lease loss provision to assets | 0.1179% | 1,835 |
| Net operating income to assets | 0.9168% | 2,937 |
| Return on assets (ROA) | 0.9410% | 2,888 |
| Pretax return on assets | 1.3709% | 2,212 |
| Return on Equity (ROE) | 7.5108% | 3,385 |
| Retained earnings to average equity (ytd only) | 3.9225% | 3,589 |
| Net charge-offs to loans | 0.2552% | 851 |
| Credit loss provision to net charge-offs | 80.3213% | 2,578 |
| Earnings coverage of net charge-offs (x) | 9.9017% | 2,650 |
| Efficiency ratio | 63.2289% | 3,677 |
| Assets per employee ($millions) | 3.9397% | 4,092 |
| Cash dividends to net income (ytd only)* | 47.7757% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 3,123 |
| Loan loss allowance to noncurrent loans | 71.7708% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 1,568 |
| Noncurrent loans to loans | 1.6225% | 1,128 |
| Net loans and leases to total assets | 57.2497% | 4,134 |
| Net loans and leases to deposits | 74.4848% | 3,519 |
| Net loans and leases to core deposits | 80.5098% | 3,412 |
| Total domestic deposits to total assets | 76.8609% | 4,913 |
| Equity capital to assets | 12.7519% | 1,513 |
| Core capital (leverage) ratio | 9.7226% | 3,910 |
| Tier 1 risk-based capital ratio | 15.3443% | 2,777 |
| Total risk-based capital ratio | 16.4439% | 2,772 |
| Memoranda: | ||
| Average total assets | $452,258,750 | 1,552 |
| Average earning assets | $404,392,000 | 1,596 |
| Average equity | $56,663,500 | 1,399 |
| Average total loans | $260,143,250 | 1,772 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9414% | 3,403 |
| Cost of funding earning assets | 0.6074% | 1,398 |
| Net interest margin | 3.3340% | 4,004 |
| Noninterest income to average assets | 0.9270% | 1,191 |
| Noninterest expense to average assets | 2.4753% | 3,830 |
| Loan and lease loss provision to assets | 0.1106% | 1,847 |
| Net operating income to assets | 0.9220% | 2,796 |
| Return on assets (ROA) | 0.9589% | 2,673 |
| Pretax return on assets | 1.3739% | 2,127 |
| Return on Equity (ROE) | 7.6990% | 3,194 |
| Retained earnings to average equity (ytd only) | 4.1462% | 3,239 |
| Net charge-offs to loans | 0.2136% | 955 |
| Credit loss provision to net charge-offs | 90.2527% | 2,137 |
| Earnings coverage of net charge-offs (x) | 11.6823% | 2,254 |
| Efficiency ratio | 63.3522% | 3,783 |
| Assets per employee ($millions) | 4.0094% | 3,940 |
| Cash dividends to net income (ytd only)* | 46.1467% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 3,050 |
| Loan loss allowance to noncurrent loans | 66.4048% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.1745% | 1,452 |
| Noncurrent loans to loans | 1.7993% | 1,004 |
| Net loans and leases to total assets | 57.0748% | 4,115 |
| Net loans and leases to deposits | 74.4423% | 3,499 |
| Net loans and leases to core deposits | 81.9545% | 3,256 |
| Total domestic deposits to total assets | 76.6699% | 5,006 |
| Equity capital to assets | 12.6728% | 1,534 |
| Core capital (leverage) ratio | 9.8542% | 3,710 |
| Tier 1 risk-based capital ratio | 15.0998% | 2,887 |
| Total risk-based capital ratio | 16.2151% | 2,876 |
| Memoranda: | ||
| Average total assets | $451,989,000 | 1,557 |
| Average earning assets | $404,021,670 | 1,601 |
| Average equity | $56,293,000 | 1,408 |
| Average total loans | $259,379,000 | 1,768 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8716% | 3,500 |
| Cost of funding earning assets | 0.6001% | 1,372 |
| Net interest margin | 3.2716% | 4,110 |
| Noninterest income to average assets | 1.0588% | 897 |
| Noninterest expense to average assets | 2.4569% | 3,943 |
| Loan and lease loss provision to assets | 0.0886% | 2,061 |
| Net operating income to assets | 0.9931% | 2,334 |
| Return on assets (ROA) | 1.0482% | 2,128 |
| Pretax return on assets | 1.5204% | 1,472 |
| Return on Equity (ROE) | 8.4906% | 2,681 |
| Retained earnings to average equity (ytd only) | 4.9020% | 2,947 |
| Net charge-offs to loans | 0.3594% | 513 |
| Credit loss provision to net charge-offs | 43.1034% | 2,042 |
| Earnings coverage of net charge-offs (x) | 7.4397% | 2,136 |
| Efficiency ratio | 61.6359% | 4,204 |
| Assets per employee ($millions) | 3.9763% | 4,056 |
| Cash dividends to net income (ytd only)* | 42.2654% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 3,265 |
| Loan loss allowance to noncurrent loans | 62.1811% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.2572% | 1,364 |
| Noncurrent loans to loans | 1.8952% | 957 |
| Net loans and leases to total assets | 57.4164% | 4,021 |
| Net loans and leases to deposits | 72.7477% | 3,540 |
| Net loans and leases to core deposits | 79.9677% | 3,301 |
| Total domestic deposits to total assets | 78.9254% | 4,836 |
| Equity capital to assets | 12.7303% | 1,388 |
| Core capital (leverage) ratio | 9.6189% | 3,965 |
| Tier 1 risk-based capital ratio | 15.1635% | 2,892 |
| Total risk-based capital ratio | 16.2581% | 2,890 |
| Memoranda: | ||
| Average total assets | $451,454,500 | 1,565 |
| Average earning assets | $403,965,000 | 1,614 |
| Average equity | $55,732,000 | 1,414 |
| Average total loans | $258,214,000 | 1,782 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 3,798 |
| Cost of funding earning assets | 0.6167% | 1,228 |
| Net interest margin | 3.2165% | 4,396 |
| Noninterest income to average assets | 0.9477% | 1,268 |
| Noninterest expense to average assets | 2.4263% | 4,220 |
| Loan and lease loss provision to assets | 0.1790% | 1,342 |
| Net operating income to assets | 0.8512% | 3,062 |
| Return on assets (ROA) | 0.8620% | 3,126 |
| Pretax return on assets | 1.2377% | 2,523 |
| Return on Equity (ROE) | 6.9074% | 3,518 |
| Retained earnings to average equity (ytd only) | 3.5012% | 3,438 |
| Net charge-offs to loans | 0.3732% | 725 |
| Credit loss provision to net charge-offs | 85.4701% | 2,886 |
| Earnings coverage of net charge-offs (x) | 6.6912% | 3,134 |
| Efficiency ratio | 63.3914% | 4,043 |
| Assets per employee ($millions) | 4.1209% | 3,747 |
| Cash dividends to net income (ytd only)* | 49.3122% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 3,041 |
| Loan loss allowance to noncurrent loans | 57.7550% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 1.3089% | 1,339 |
| Noncurrent loans to loans | 2.1005% | 836 |
| Net loans and leases to total assets | 55.6471% | 4,299 |
| Net loans and leases to deposits | 73.5981% | 3,553 |
| Net loans and leases to core deposits | 81.0487% | 3,306 |
| Total domestic deposits to total assets | 75.6095% | 5,281 |
| Equity capital to assets | 11.9765% | 1,824 |
| Core capital (leverage) ratio | 9.1671% | 4,529 |
| Tier 1 risk-based capital ratio | 14.5099% | 3,193 |
| Total risk-based capital ratio | 15.6397% | 3,175 |
| Memoranda: | ||
| Average total assets | $446,969,800 | 1,520 |
| Average earning assets | $400,185,200 | 1,563 |
| Average equity | $55,780,400 | 1,376 |
| Average total loans | $250,811,800 | 1,788 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8379% | 3,806 |
| Cost of funding earning assets | 0.6196% | 1,208 |
| Net interest margin | 3.2183% | 4,433 |
| Noninterest income to average assets | 0.9215% | 1,342 |
| Noninterest expense to average assets | 2.4325% | 4,185 |
| Loan and lease loss provision to assets | 0.2406% | 795 |
| Net operating income to assets | 0.7981% | 3,372 |
| Return on assets (ROA) | 0.8126% | 3,445 |
| Pretax return on assets | 1.1528% | 3,033 |
| Return on Equity (ROE) | 6.4440% | 3,863 |
| Retained earnings to average equity (ytd only) | 3.2244% | 3,982 |
| Net charge-offs to loans | 0.4845% | 438 |
| Credit loss provision to net charge-offs | 88.5936% | 2,553 |
| Earnings coverage of net charge-offs (x) | 5.0543% | 3,181 |
| Efficiency ratio | 63.9267% | 3,945 |
| Assets per employee ($millions) | 3.9953% | 3,978 |
| Cash dividends to net income (ytd only)* | 49.9631% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,916 |
| Loan loss allowance to noncurrent loans | 48.4126% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 1.5815% | 1,107 |
| Noncurrent loans to loans | 2.5959% | 658 |
| Net loans and leases to total assets | 55.4648% | 4,363 |
| Net loans and leases to deposits | 71.4213% | 3,849 |
| Net loans and leases to core deposits | 78.6719% | 3,592 |
| Total domestic deposits to total assets | 77.6586% | 4,972 |
| Equity capital to assets | 12.5930% | 1,719 |
| Core capital (leverage) ratio | 9.4614% | 4,234 |
| Tier 1 risk-based capital ratio | 14.1210% | 3,492 |
| Total risk-based capital ratio | 15.2178% | 3,497 |
| Memoranda: | ||
| Average total assets | $443,326,250 | 1,531 |
| Average earning assets | $397,223,500 | 1,580 |
| Average equity | $55,906,250 | 1,381 |
| Average total loans | $248,517,250 | 1,802 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 3,931 |
| Cost of funding earning assets | 0.6154% | 1,222 |
| Net interest margin | 3.1915% | 4,567 |
| Noninterest income to average assets | 0.9319% | 1,283 |
| Noninterest expense to average assets | 2.4525% | 4,171 |
| Loan and lease loss provision to assets | 0.2723% | 681 |
| Net operating income to assets | 0.7627% | 3,492 |
| Return on assets (ROA) | 0.7853% | 3,529 |
| Pretax return on assets | 1.0962% | 3,212 |
| Return on Equity (ROE) | 6.2241% | 3,949 |
| Retained earnings to average equity (ytd only) | 3.0761% | 3,951 |
| Net charge-offs to loans | 0.5121% | 423 |
| Credit loss provision to net charge-offs | 94.9367% | 2,185 |
| Earnings coverage of net charge-offs (x) | 4.6614% | 2,964 |
| Efficiency ratio | 64.7143% | 3,897 |
| Assets per employee ($millions) | 4.0541% | 3,811 |
| Cash dividends to net income (ytd only)* | 50.5780% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 2,619 |
| Loan loss allowance to noncurrent loans | 54.5912% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 1.4385% | 1,350 |
| Noncurrent loans to loans | 2.4369% | 734 |
| Net loans and leases to total assets | 54.1857% | 4,492 |
| Net loans and leases to deposits | 71.7365% | 3,811 |
| Net loans and leases to core deposits | 79.6422% | 3,496 |
| Total domestic deposits to total assets | 75.5344% | 5,349 |
| Equity capital to assets | 12.6329% | 1,699 |
| Core capital (leverage) ratio | 9.4329% | 4,292 |
| Tier 1 risk-based capital ratio | 14.1931% | 3,498 |
| Total risk-based capital ratio | 15.3500% | 3,463 |
| Memoranda: | ||
| Average total assets | $440,611,000 | 1,539 |
| Average earning assets | $394,551,000 | 1,595 |
| Average equity | $55,590,330 | 1,392 |
| Average total loans | $246,824,670 | 1,812 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8268% | 3,851 |
| Cost of funding earning assets | 0.6060% | 1,299 |
| Net interest margin | 3.2208% | 4,509 |
| Noninterest income to average assets | 0.9727% | 1,143 |
| Noninterest expense to average assets | 2.4880% | 4,105 |
| Loan and lease loss provision to assets | 0.2512% | 700 |
| Net operating income to assets | 0.7973% | 3,265 |
| Return on assets (ROA) | 0.8038% | 3,339 |
| Pretax return on assets | 1.1262% | 2,988 |
| Return on Equity (ROE) | 6.3748% | 3,789 |
| Retained earnings to average equity (ytd only) | 3.2961% | 3,845 |
| Net charge-offs to loans | 0.4907% | 455 |
| Credit loss provision to net charge-offs | 90.4605% | 1,762 |
| Earnings coverage of net charge-offs (x) | 4.9276% | 2,379 |
| Efficiency ratio | 64.5192% | 4,039 |
| Assets per employee ($millions) | 3.8426% | 4,222 |
| Cash dividends to net income (ytd only)* | 48.2955% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 2,779 |
| Loan loss allowance to noncurrent loans | 49.3642% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.6737% | 1,170 |
| Noncurrent loans to loans | 2.6817% | 667 |
| Net loans and leases to total assets | 56.4809% | 4,200 |
| Net loans and leases to deposits | 73.5601% | 3,496 |
| Net loans and leases to core deposits | 80.1415% | 3,303 |
| Total domestic deposits to total assets | 76.7819% | 5,322 |
| Equity capital to assets | 12.9304% | 1,444 |
| Core capital (leverage) ratio | 9.5178% | 4,167 |
| Tier 1 risk-based capital ratio | 14.4980% | 3,397 |
| Total risk-based capital ratio | 15.6750% | 3,368 |
| Memoranda: | ||
| Average total assets | $437,942,500 | 1,553 |
| Average earning assets | $392,073,500 | 1,599 |
| Average equity | $55,217,500 | 1,397 |
| Average total loans | $247,788,000 | 1,812 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8256% | 3,962 |
| Cost of funding earning assets | 0.6033% | 1,340 |
| Net interest margin | 3.2223% | 4,550 |
| Noninterest income to average assets | 0.7354% | 2,040 |
| Noninterest expense to average assets | 2.2531% | 4,915 |
| Loan and lease loss provision to assets | 0.1498% | 1,571 |
| Net operating income to assets | 0.8519% | 3,106 |
| Return on assets (ROA) | 0.8910% | 3,001 |
| Pretax return on assets | 1.2642% | 2,416 |
| Return on Equity (ROE) | 7.0985% | 3,462 |
| Retained earnings to average equity (ytd only) | 1.9586% | 4,612 |
| Net charge-offs to loans | 0.1966% | 1,487 |
| Credit loss provision to net charge-offs | 138.0042% | 1,898 |
| Earnings coverage of net charge-offs (x) | 12.5159% | 2,459 |
| Efficiency ratio | 62.3899% | 4,547 |
| Assets per employee ($millions) | 5.2413% | 2,071 |
| Cash dividends to net income (ytd only)* | 72.4076% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 2,792 |
| Loan loss allowance to noncurrent loans | 65.9054% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 1,706 |
| Noncurrent loans to loans | 2.0029% | 1,041 |
| Net loans and leases to total assets | 55.2053% | 4,362 |
| Net loans and leases to deposits | 72.7800% | 3,639 |
| Net loans and leases to core deposits | 78.9874% | 3,445 |
| Total domestic deposits to total assets | 75.8523% | 5,459 |
| Equity capital to assets | 12.2973% | 1,743 |
| Core capital (leverage) ratio | 9.3685% | 4,373 |
| Tier 1 risk-based capital ratio | 14.1723% | 3,622 |
| Total risk-based capital ratio | 15.3413% | 3,583 |
| Memoranda: | ||
| Average total assets | $434,022,000 | 1,533 |
| Average earning assets | $387,368,000 | 1,576 |
| Average equity | $54,476,400 | 1,372 |
| Average total loans | $239,515,800 | 1,804 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8264% | 4,010 |
| Cost of funding earning assets | 0.5997% | 1,406 |
| Net interest margin | 3.2267% | 4,589 |
| Noninterest income to average assets | 0.7456% | 2,045 |
| Noninterest expense to average assets | 2.2340% | 4,955 |
| Loan and lease loss provision to assets | 0.1546% | 1,404 |
| Net operating income to assets | 0.8679% | 3,094 |
| Return on assets (ROA) | 0.9203% | 2,948 |
| Pretax return on assets | 1.3103% | 2,354 |
| Return on Equity (ROE) | 7.2941% | 3,473 |
| Retained earnings to average equity (ytd only) | 1.9019% | 4,934 |
| Net charge-offs to loans | 0.0517% | 2,867 |
| Credit loss provision to net charge-offs | 543.4783% | 609 |
| Earnings coverage of net charge-offs (x) | 48.8601% | 1,074 |
| Efficiency ratio | 61.6435% | 4,621 |
| Assets per employee ($millions) | 4.8610% | 2,469 |
| Cash dividends to net income (ytd only)* | 73.9247% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 2,338 |
| Loan loss allowance to noncurrent loans | 357.6220% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 4,432 |
| Noncurrent loans to loans | 0.4077% | 4,148 |
| Net loans and leases to total assets | 54.3667% | 4,527 |
| Net loans and leases to deposits | 69.9474% | 3,993 |
| Net loans and leases to core deposits | 76.3907% | 3,757 |
| Total domestic deposits to total assets | 77.7251% | 5,231 |
| Equity capital to assets | 12.4720% | 1,759 |
| Core capital (leverage) ratio | 9.2266% | 4,693 |
| Tier 1 risk-based capital ratio | 14.1632% | 3,754 |
| Total risk-based capital ratio | 15.4171% | 3,686 |
| Memoranda: | ||
| Average total assets | $431,149,250 | 1,555 |
| Average earning assets | $384,618,250 | 1,599 |
| Average equity | $54,399,000 | 1,383 |
| Average total loans | $237,085,500 | 1,825 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8024% | 4,059 |
| Cost of funding earning assets | 0.5941% | 1,456 |
| Net interest margin | 3.2083% | 4,634 |
| Noninterest income to average assets | 0.6983% | 2,222 |
| Noninterest expense to average assets | 2.2161% | 5,065 |
| Loan and lease loss provision to assets | 0.1632% | 1,297 |
| Net operating income to assets | 0.8295% | 3,218 |
| Return on assets (ROA) | 0.9020% | 2,987 |
| Pretax return on assets | 1.2782% | 2,444 |
| Return on Equity (ROE) | 7.1213% | 3,539 |
| Retained earnings to average equity (ytd only) | 2.7050% | 4,339 |
| Net charge-offs to loans | 0.0704% | 2,384 |
| Credit loss provision to net charge-offs | 421.6867% | 712 |
| Earnings coverage of net charge-offs (x) | 34.6145% | 1,240 |
| Efficiency ratio | 62.3312% | 4,629 |
| Assets per employee ($millions) | 4.5748% | 2,863 |
| Cash dividends to net income (ytd only)* | 62.0155% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 2,645 |
| Loan loss allowance to noncurrent loans | 112.3752% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.8240% | 2,913 |
| Noncurrent loans to loans | 1.2670% | 2,125 |
| Net loans and leases to total assets | 53.8110% | 4,575 |
| Net loans and leases to deposits | 70.3058% | 3,897 |
| Net loans and leases to core deposits | 76.9993% | 3,667 |
| Total domestic deposits to total assets | 76.5385% | 5,528 |
| Equity capital to assets | 12.5060% | 1,651 |
| Core capital (leverage) ratio | 9.5576% | 4,196 |
| Tier 1 risk-based capital ratio | 14.5514% | 3,606 |
| Total risk-based capital ratio | 15.8013% | 3,532 |
| Memoranda: | ||
| Average total assets | $429,035,000 | 1,570 |
| Average earning assets | $382,070,330 | 1,616 |
| Average equity | $54,344,000 | 1,389 |
| Average total loans | $235,657,670 | 1,835 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 4,090 |
| Cost of funding earning assets | 0.5846% | 1,546 |
| Net interest margin | 3.1952% | 4,631 |
| Noninterest income to average assets | 0.7517% | 1,910 |
| Noninterest expense to average assets | 2.2147% | 5,105 |
| Loan and lease loss provision to assets | 0.1877% | 1,005 |
| Net operating income to assets | 0.8304% | 3,111 |
| Return on assets (ROA) | 0.9703% | 2,525 |
| Pretax return on assets | 1.3907% | 1,923 |
| Return on Equity (ROE) | 7.6113% | 3,159 |
| Retained earnings to average equity (ytd only) | 2.6426% | 4,363 |
| Net charge-offs to loans | 0.0426% | 2,383 |
| Credit loss provision to net charge-offs | 800.0000% | 387 |
| Earnings coverage of net charge-offs (x) | 58.7600% | 749 |
| Efficiency ratio | 61.6349% | 4,856 |
| Assets per employee ($millions) | 4.3132% | 3,348 |
| Cash dividends to net income (ytd only)* | 65.2805% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4059% | 2,886 |
| Loan loss allowance to noncurrent loans | 128.7113% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7176% | 3,345 |
| Noncurrent loans to loans | 1.0923% | 2,579 |
| Net loans and leases to total assets | 53.9654% | 4,450 |
| Net loans and leases to deposits | 70.2956% | 3,722 |
| Net loans and leases to core deposits | 75.6754% | 3,625 |
| Total domestic deposits to total assets | 76.7692% | 5,650 |
| Equity capital to assets | 12.7761% | 1,524 |
| Core capital (leverage) ratio | 9.6223% | 4,123 |
| Tier 1 risk-based capital ratio | 14.8532% | 3,507 |
| Total risk-based capital ratio | 16.0877% | 3,460 |
| Memoranda: | ||
| Average total assets | $426,249,500 | 1,588 |
| Average earning assets | $379,072,500 | 1,632 |
| Average equity | $54,340,000 | 1,403 |
| Average total loans | $234,864,500 | 1,838 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 3,944 |
| Cost of funding earning assets | 0.6118% | 1,668 |
| Net interest margin | 3.3332% | 4,464 |
| Noninterest income to average assets | 0.7366% | 2,139 |
| Noninterest expense to average assets | 2.2485% | 5,247 |
| Loan and lease loss provision to assets | 0.1547% | 1,696 |
| Net operating income to assets | 0.9956% | 2,403 |
| Return on assets (ROA) | 1.0180% | 2,380 |
| Pretax return on assets | 1.3208% | 2,174 |
| Return on Equity (ROE) | 8.1714% | 3,039 |
| Retained earnings to average equity (ytd only) | 4.4928% | 2,977 |
| Net charge-offs to loans | 0.1820% | 2,209 |
| Credit loss provision to net charge-offs | 157.0048% | 1,547 |
| Earnings coverage of net charge-offs (x) | 14.6763% | 2,140 |
| Efficiency ratio | 60.8530% | 5,099 |
| Assets per employee ($millions) | 4.3418% | 3,282 |
| Cash dividends to net income (ytd only)* | 45.0187% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 3,326 |
| Loan loss allowance to noncurrent loans | 100.8755% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8449% | 3,097 |
| Noncurrent loans to loans | 1.3067% | 2,261 |
| Net loans and leases to total assets | 54.7357% | 4,486 |
| Net loans and leases to deposits | 70.1467% | 3,892 |
| Net loans and leases to core deposits | 75.6726% | 3,746 |
| Total domestic deposits to total assets | 78.0304% | 5,434 |
| Equity capital to assets | 12.7206% | 1,522 |
| Core capital (leverage) ratio | 9.6174% | 4,073 |
| Tier 1 risk-based capital ratio | 14.8875% | 3,548 |
| Total risk-based capital ratio | 16.0574% | 3,529 |
| Memoranda: | ||
| Average total assets | $420,056,600 | 1,580 |
| Average earning assets | $372,826,200 | 1,621 |
| Average equity | $52,328,600 | 1,397 |
| Average total loans | $227,482,600 | 1,843 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 3,967 |
| Cost of funding earning assets | 0.6152% | 1,720 |
| Net interest margin | 3.3342% | 4,493 |
| Noninterest income to average assets | 0.6846% | 2,406 |
| Noninterest expense to average assets | 2.2243% | 5,304 |
| Loan and lease loss provision to assets | 0.1433% | 1,752 |
| Net operating income to assets | 0.9211% | 2,816 |
| Return on assets (ROA) | 0.9298% | 2,869 |
| Pretax return on assets | 1.2922% | 2,404 |
| Return on Equity (ROE) | 7.5044% | 3,440 |
| Retained earnings to average equity (ytd only) | 4.1634% | 3,689 |
| Net charge-offs to loans | 0.0609% | 3,339 |
| Credit loss provision to net charge-offs | 436.8932% | 648 |
| Earnings coverage of net charge-offs (x) | 43.3980% | 1,071 |
| Efficiency ratio | 60.9777% | 5,043 |
| Assets per employee ($millions) | 4.3491% | 3,212 |
| Cash dividends to net income (ytd only)* | 44.5205% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 3,121 |
| Loan loss allowance to noncurrent loans | 485.2410% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 5,133 |
| Noncurrent loans to loans | 0.2909% | 5,040 |
| Net loans and leases to total assets | 54.4747% | 4,519 |
| Net loans and leases to deposits | 69.9001% | 3,928 |
| Net loans and leases to core deposits | 74.7998% | 3,868 |
| Total domestic deposits to total assets | 77.9322% | 5,550 |
| Equity capital to assets | 12.8526% | 1,501 |
| Core capital (leverage) ratio | 9.5699% | 4,281 |
| Tier 1 risk-based capital ratio | 14.9245% | 3,632 |
| Total risk-based capital ratio | 16.1619% | 3,568 |
| Memoranda: | ||
| Average total assets | $418,697,750 | 1,597 |
| Average earning assets | $372,095,000 | 1,634 |
| Average equity | $51,879,500 | 1,416 |
| Average total loans | $225,351,500 | 1,867 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 4,049 |
| Cost of funding earning assets | 0.6218% | 1,721 |
| Net interest margin | 3.2994% | 4,587 |
| Noninterest income to average assets | 0.6492% | 2,549 |
| Noninterest expense to average assets | 2.2152% | 5,373 |
| Loan and lease loss provision to assets | 0.1427% | 1,734 |
| Net operating income to assets | 0.8425% | 3,115 |
| Return on assets (ROA) | 0.8546% | 3,150 |
| Pretax return on assets | 1.2360% | 2,518 |
| Return on Equity (ROE) | 6.9825% | 3,631 |
| Retained earnings to average equity (ytd only) | 3.5826% | 3,912 |
| Net charge-offs to loans | 0.0927% | 2,758 |
| Credit loss provision to net charge-offs | 288.4615% | 886 |
| Earnings coverage of net charge-offs (x) | 27.5192% | 1,340 |
| Efficiency ratio | 61.9415% | 5,018 |
| Assets per employee ($millions) | 4.3959% | 3,095 |
| Cash dividends to net income (ytd only)* | 48.6923% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 3,492 |
| Loan loss allowance to noncurrent loans | 433.7571% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 5,212 |
| Noncurrent loans to loans | 0.3155% | 5,065 |
| Net loans and leases to total assets | 52.4438% | 4,702 |
| Net loans and leases to deposits | 67.6630% | 4,085 |
| Net loans and leases to core deposits | 72.3599% | 4,010 |
| Total domestic deposits to total assets | 77.5073% | 5,719 |
| Equity capital to assets | 12.4286% | 1,695 |
| Core capital (leverage) ratio | 9.3053% | 4,582 |
| Tier 1 risk-based capital ratio | 14.8619% | 3,714 |
| Total risk-based capital ratio | 16.0579% | 3,693 |
| Memoranda: | ||
| Average total assets | $420,541,000 | 1,586 |
| Average earning assets | $373,100,330 | 1,629 |
| Average equity | $51,471,670 | 1,415 |
| Average total loans | $224,370,670 | 1,871 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8384% | 4,329 |
| Cost of funding earning assets | 0.6370% | 1,673 |
| Net interest margin | 3.2014% | 4,916 |
| Noninterest income to average assets | 0.6584% | 2,410 |
| Noninterest expense to average assets | 2.2039% | 5,454 |
| Loan and lease loss provision to assets | 0.1429% | 1,704 |
| Net operating income to assets | 0.7927% | 3,189 |
| Return on assets (ROA) | 0.7927% | 3,262 |
| Pretax return on assets | 1.1462% | 2,713 |
| Return on Equity (ROE) | 6.5277% | 3,730 |
| Retained earnings to average equity (ytd only) | 3.7817% | 3,859 |
| Net charge-offs to loans | -0.0107% | 5,078 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0933% | 4,990 |
| Assets per employee ($millions) | 4.4078% | 3,139 |
| Cash dividends to net income (ytd only)* | 42.0673% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 3,824 |
| Loan loss allowance to noncurrent loans | 312.7967% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 5,290 |
| Noncurrent loans to loans | 0.4331% | 4,847 |
| Net loans and leases to total assets | 52.1542% | 4,653 |
| Net loans and leases to deposits | 65.1426% | 4,185 |
| Net loans and leases to core deposits | 69.7547% | 4,123 |
| Total domestic deposits to total assets | 80.0616% | 5,471 |
| Equity capital to assets | 12.1294% | 1,781 |
| Core capital (leverage) ratio | 9.0191% | 4,981 |
| Tier 1 risk-based capital ratio | 14.6849% | 3,897 |
| Total risk-based capital ratio | 15.8648% | 3,887 |
| Memoranda: | ||
| Average total assets | $419,809,500 | 1,598 |
| Average earning assets | $371,718,000 | 1,641 |
| Average equity | $50,983,000 | 1,420 |
| Average total loans | $224,363,000 | 1,869 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 4,528 |
| Cost of funding earning assets | 0.6600% | 2,124 |
| Net interest margin | 3.2231% | 4,919 |
| Noninterest income to average assets | 0.8027% | 2,072 |
| Noninterest expense to average assets | 2.1658% | 5,703 |
| Loan and lease loss provision to assets | 0.1975% | 1,876 |
| Net operating income to assets | 0.8725% | 2,916 |
| Return on assets (ROA) | 0.9047% | 2,839 |
| Pretax return on assets | 1.3246% | 2,057 |
| Return on Equity (ROE) | 7.2802% | 3,415 |
| Retained earnings to average equity (ytd only) | 2.2149% | 4,671 |
| Net charge-offs to loans | 0.5384% | 1,227 |
| Credit loss provision to net charge-offs | 68.6106% | 3,342 |
| Earnings coverage of net charge-offs (x) | 5.1235% | 3,375 |
| Efficiency ratio | 59.4928% | 5,541 |
| Assets per employee ($millions) | 4.3382% | 3,201 |
| Cash dividends to net income (ytd only)* | 69.5771% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 4,256 |
| Loan loss allowance to noncurrent loans | 171.6418% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 4,750 |
| Noncurrent loans to loans | 0.7444% | 4,100 |
| Net loans and leases to total assets | 53.3364% | 4,673 |
| Net loans and leases to deposits | 68.1119% | 4,039 |
| Net loans and leases to core deposits | 73.0007% | 3,947 |
| Total domestic deposits to total assets | 78.3070% | 5,776 |
| Equity capital to assets | 12.1595% | 1,708 |
| Core capital (leverage) ratio | 9.1426% | 4,794 |
| Tier 1 risk-based capital ratio | 14.6193% | 3,888 |
| Total risk-based capital ratio | 15.7480% | 3,891 |
| Memoranda: | ||
| Average total assets | $405,108,000 | 1,629 |
| Average earning assets | $356,671,400 | 1,688 |
| Average equity | $50,341,800 | 1,411 |
| Average total loans | $216,558,000 | 1,889 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 4,642 |
| Cost of funding earning assets | 0.6543% | 2,327 |
| Net interest margin | 3.2055% | 4,981 |
| Noninterest income to average assets | 0.6970% | 2,629 |
| Noninterest expense to average assets | 2.1600% | 5,702 |
| Loan and lease loss provision to assets | 0.0994% | 3,101 |
| Net operating income to assets | 0.8616% | 3,041 |
| Return on assets (ROA) | 0.8999% | 2,951 |
| Pretax return on assets | 1.3175% | 2,270 |
| Return on Equity (ROE) | 7.2013% | 3,537 |
| Retained earnings to average equity (ytd only) | 0.4376% | 5,795 |
| Net charge-offs to loans | 0.4004% | 1,600 |
| Credit loss provision to net charge-offs | 46.5839% | 3,585 |
| Earnings coverage of net charge-offs (x) | 6.3742% | 2,989 |
| Efficiency ratio | 61.3538% | 5,220 |
| Assets per employee ($millions) | 4.2417% | 3,348 |
| Cash dividends to net income (ytd only)* | 93.9228% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 4,238 |
| Loan loss allowance to noncurrent loans | 332.2248% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 5,367 |
| Noncurrent loans to loans | 0.4004% | 5,192 |
| Net loans and leases to total assets | 52.2207% | 4,851 |
| Net loans and leases to deposits | 65.9278% | 4,316 |
| Net loans and leases to core deposits | 71.0742% | 4,203 |
| Total domestic deposits to total assets | 79.2089% | 5,697 |
| Equity capital to assets | 12.0157% | 1,908 |
| Core capital (leverage) ratio | 9.2985% | 4,694 |
| Tier 1 risk-based capital ratio | 14.5413% | 4,051 |
| Total risk-based capital ratio | 15.7022% | 4,066 |
| Memoranda: | ||
| Average total assets | $402,268,500 | 1,651 |
| Average earning assets | $354,339,750 | 1,706 |
| Average equity | $50,267,250 | 1,422 |
| Average total loans | $214,446,750 | 1,904 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 4,594 |
| Cost of funding earning assets | 0.6495% | 2,502 |
| Net interest margin | 3.2195% | 4,875 |
| Noninterest income to average assets | 0.6628% | 2,843 |
| Noninterest expense to average assets | 2.2009% | 5,628 |
| Loan and lease loss provision to assets | 0.0751% | 3,544 |
| Net operating income to assets | 0.8315% | 3,143 |
| Return on assets (ROA) | 0.8898% | 2,995 |
| Pretax return on assets | 1.3036% | 2,290 |
| Return on Equity (ROE) | 7.0276% | 3,582 |
| Retained earnings to average equity (ytd only) | -0.0950% | 5,873 |
| Net charge-offs to loans | 0.2906% | 2,028 |
| Credit loss provision to net charge-offs | 48.3871% | 3,245 |
| Earnings coverage of net charge-offs (x) | 8.3258% | 2,415 |
| Efficiency ratio | 62.9911% | 5,019 |
| Assets per employee ($millions) | 4.2352% | 3,280 |
| Cash dividends to net income (ytd only)* | 101.3514% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 3,729 |
| Loan loss allowance to noncurrent loans | 242.7896% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 5,017 |
| Noncurrent loans to loans | 0.6047% | 4,744 |
| Net loans and leases to total assets | 52.4960% | 4,796 |
| Net loans and leases to deposits | 67.1241% | 4,130 |
| Net loans and leases to core deposits | 71.1934% | 4,148 |
| Total domestic deposits to total assets | 78.2074% | 5,946 |
| Equity capital to assets | 12.5640% | 1,537 |
| Core capital (leverage) ratio | 9.6613% | 3,996 |
| Tier 1 risk-based capital ratio | 15.1540% | 3,675 |
| Total risk-based capital ratio | 16.4042% | 3,640 |
| Memoranda: | ||
| Average total assets | $399,209,330 | 1,659 |
| Average earning assets | $351,051,000 | 1,720 |
| Average equity | $50,543,670 | 1,413 |
| Average total loans | $213,343,330 | 1,911 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9059% | 4,450 |
| Cost of funding earning assets | 0.6695% | 2,484 |
| Net interest margin | 3.2364% | 4,771 |
| Noninterest income to average assets | 0.6529% | 2,859 |
| Noninterest expense to average assets | 2.1489% | 5,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9054% | 2,623 |
| Return on assets (ROA) | 0.9655% | 2,506 |
| Pretax return on assets | 1.4373% | 1,750 |
| Return on Equity (ROE) | 7.5970% | 3,164 |
| Retained earnings to average equity (ytd only) | -0.2350% | 5,824 |
| Net charge-offs to loans | 0.0986% | 2,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 25.5472% | 1,048 |
| Efficiency ratio | 61.4574% | 5,380 |
| Assets per employee ($millions) | 4.3022% | 3,334 |
| Cash dividends to net income (ytd only)* | 103.0928% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5600% | 3,573 |
| Loan loss allowance to noncurrent loans | 751.8868% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 5,611 |
| Noncurrent loans to loans | 0.2075% | 5,887 |
| Net loans and leases to total assets | 51.3839% | 4,784 |
| Net loans and leases to deposits | 63.4587% | 4,372 |
| Net loans and leases to core deposits | 66.2177% | 4,504 |
| Total domestic deposits to total assets | 80.9722% | 5,505 |
| Equity capital to assets | 13.0231% | 1,421 |
| Core capital (leverage) ratio | 9.3041% | 4,393 |
| Tier 1 risk-based capital ratio | 15.7389% | 3,408 |
| Total risk-based capital ratio | 16.9905% | 3,363 |
| Memoranda: | ||
| Average total assets | $401,878,000 | 1,663 |
| Average earning assets | $353,103,500 | 1,724 |
| Average equity | $51,072,500 | 1,422 |
| Average total loans | $215,091,000 | 1,910 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0887% | 4,988 |
| Cost of funding earning assets | 0.8373% | 2,377 |
| Net interest margin | 3.2514% | 5,424 |
| Noninterest income to average assets | 0.7358% | 2,561 |
| Noninterest expense to average assets | 2.1551% | 6,011 |
| Loan and lease loss provision to assets | 0.1789% | 3,390 |
| Net operating income to assets | 0.8493% | 3,051 |
| Return on assets (ROA) | 0.9577% | 2,759 |
| Pretax return on assets | 1.4363% | 1,917 |
| Return on Equity (ROE) | 8.0014% | 3,077 |
| Retained earnings to average equity (ytd only) | 2.5695% | 4,415 |
| Net charge-offs to loans | 0.3495% | 2,886 |
| Credit loss provision to net charge-offs | 99.2063% | 3,124 |
| Earnings coverage of net charge-offs (x) | 8.0582% | 2,480 |
| Efficiency ratio | 59.7223% | 5,587 |
| Assets per employee ($millions) | 4.3857% | 3,179 |
| Cash dividends to net income (ytd only)* | 67.8874% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 3,996 |
| Loan loss allowance to noncurrent loans | 373.8178% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 5,351 |
| Noncurrent loans to loans | 0.3839% | 5,535 |
| Net loans and leases to total assets | 53.9919% | 4,619 |
| Net loans and leases to deposits | 71.6732% | 3,463 |
| Net loans and leases to core deposits | 76.3972% | 3,478 |
| Total domestic deposits to total assets | 75.3306% | 6,421 |
| Equity capital to assets | 12.4096% | 1,775 |
| Core capital (leverage) ratio | 9.1863% | 4,606 |
| Tier 1 risk-based capital ratio | 14.7015% | 3,894 |
| Total risk-based capital ratio | 15.9521% | 3,851 |
| Memoranda: | ||
| Average total assets | $419,138,000 | 1,565 |
| Average earning assets | $370,337,200 | 1,612 |
| Average equity | $50,166,000 | 1,416 |
| Average total loans | $216,280,600 | 1,870 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 5,165 |
| Cost of funding earning assets | 0.8674% | 2,408 |
| Net interest margin | 3.2390% | 5,586 |
| Noninterest income to average assets | 0.6910% | 2,750 |
| Noninterest expense to average assets | 2.1549% | 6,051 |
| Loan and lease loss provision to assets | 0.1901% | 3,211 |
| Net operating income to assets | 0.8146% | 3,374 |
| Return on assets (ROA) | 0.9583% | 2,930 |
| Pretax return on assets | 1.4329% | 2,135 |
| Return on Equity (ROE) | 8.0798% | 3,250 |
| Retained earnings to average equity (ytd only) | 1.4691% | 5,596 |
| Net charge-offs to loans | 0.4245% | 2,392 |
| Credit loss provision to net charge-offs | 88.1057% | 3,357 |
| Earnings coverage of net charge-offs (x) | 6.5286% | 2,769 |
| Efficiency ratio | 60.4730% | 5,421 |
| Assets per employee ($millions) | 4.5623% | 2,805 |
| Cash dividends to net income (ytd only)* | 81.8183% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 4,228 |
| Loan loss allowance to noncurrent loans | 385.6273% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 5,507 |
| Noncurrent loans to loans | 0.3717% | 5,734 |
| Net loans and leases to total assets | 51.3140% | 5,142 |
| Net loans and leases to deposits | 65.0439% | 4,587 |
| Net loans and leases to core deposits | 69.6040% | 4,548 |
| Total domestic deposits to total assets | 78.8913% | 5,897 |
| Equity capital to assets | 11.9376% | 2,317 |
| Core capital (leverage) ratio | 8.8284% | 5,298 |
| Tier 1 risk-based capital ratio | 14.4276% | 4,231 |
| Total risk-based capital ratio | 15.6782% | 4,202 |
| Memoranda: | ||
| Average total assets | $420,857,500 | 1,580 |
| Average earning assets | $373,228,000 | 1,617 |
| Average equity | $49,917,500 | 1,432 |
| Average total loans | $213,893,750 | 1,915 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1276% | 5,210 |
| Cost of funding earning assets | 0.9059% | 2,351 |
| Net interest margin | 3.2217% | 5,670 |
| Noninterest income to average assets | 0.6647% | 2,867 |
| Noninterest expense to average assets | 2.1405% | 6,154 |
| Loan and lease loss provision to assets | 0.2144% | 2,927 |
| Net operating income to assets | 0.7713% | 3,506 |
| Return on assets (ROA) | 0.9587% | 2,867 |
| Pretax return on assets | 1.4400% | 2,050 |
| Return on Equity (ROE) | 8.1009% | 3,213 |
| Retained earnings to average equity (ytd only) | 2.6654% | 4,850 |
| Net charge-offs to loans | 0.5861% | 1,854 |
| Credit loss provision to net charge-offs | 72.5806% | 3,502 |
| Earnings coverage of net charge-offs (x) | 4.6532% | 3,026 |
| Efficiency ratio | 60.8920% | 5,435 |
| Assets per employee ($millions) | 4.6596% | 2,624 |
| Cash dividends to net income (ytd only)* | 67.0974% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 4,355 |
| Loan loss allowance to noncurrent loans | 393.9821% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.4686% | 5,592 |
| Noncurrent loans to loans | 0.3624% | 5,820 |
| Net loans and leases to total assets | 50.6516% | 5,271 |
| Net loans and leases to deposits | 66.7382% | 4,408 |
| Net loans and leases to core deposits | 71.4125% | 4,366 |
| Total domestic deposits to total assets | 75.8959% | 6,478 |
| Equity capital to assets | 11.9739% | 2,169 |
| Core capital (leverage) ratio | 8.7632% | 5,277 |
| Tier 1 risk-based capital ratio | 14.2797% | 4,253 |
| Total risk-based capital ratio | 15.5177% | 4,218 |
| Memoranda: | ||
| Average total assets | $419,713,330 | 1,583 |
| Average earning assets | $371,353,670 | 1,633 |
| Average equity | $49,673,330 | 1,433 |
| Average total loans | $211,563,000 | 1,933 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1616% | 5,238 |
| Cost of funding earning assets | 0.9697% | 2,157 |
| Net interest margin | 3.1919% | 5,802 |
| Noninterest income to average assets | 0.7183% | 2,562 |
| Noninterest expense to average assets | 2.2215% | 5,993 |
| Loan and lease loss provision to assets | 0.2858% | 2,179 |
| Net operating income to assets | 0.6858% | 3,954 |
| Return on assets (ROA) | 0.9260% | 3,013 |
| Pretax return on assets | 1.3937% | 2,211 |
| Return on Equity (ROE) | 7.8700% | 3,339 |
| Retained earnings to average equity (ytd only) | 4.2265% | 4,055 |
| Net charge-offs to loans | 0.7595% | 1,345 |
| Credit loss provision to net charge-offs | 75.3769% | 2,812 |
| Earnings coverage of net charge-offs (x) | 3.4698% | 2,827 |
| Efficiency ratio | 62.8064% | 5,136 |
| Assets per employee ($millions) | 4.6901% | 2,675 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 4,070 |
| Loan loss allowance to noncurrent loans | 325.6463% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 5,419 |
| Noncurrent loans to loans | 0.4664% | 5,741 |
| Net loans and leases to total assets | 48.3736% | 5,506 |
| Net loans and leases to deposits | 61.7332% | 4,956 |
| Net loans and leases to core deposits | 65.8773% | 4,927 |
| Total domestic deposits to total assets | 78.3592% | 6,216 |
| Equity capital to assets | 11.8906% | 2,118 |
| Core capital (leverage) ratio | 8.6172% | 5,418 |
| Tier 1 risk-based capital ratio | 14.4546% | 4,143 |
| Total risk-based capital ratio | 15.7047% | 4,104 |
| Memoranda: | ||
| Average total assets | $419,889,500 | 1,585 |
| Average earning assets | $370,817,500 | 1,636 |
| Average equity | $49,403,000 | 1,433 |
| Average total loans | $209,599,500 | 1,951 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6074% | 4,649 |
| Cost of funding earning assets | 1.2207% | 1,894 |
| Net interest margin | 3.3867% | 5,525 |
| Noninterest income to average assets | 0.8007% | 2,054 |
| Noninterest expense to average assets | 2.2777% | 6,092 |
| Loan and lease loss provision to assets | 0.3549% | 2,874 |
| Net operating income to assets | 0.7865% | 3,104 |
| Return on assets (ROA) | 0.8861% | 2,796 |
| Pretax return on assets | 1.2976% | 2,142 |
| Return on Equity (ROE) | 7.7191% | 3,046 |
| Retained earnings to average equity (ytd only) | 5.2325% | 2,491 |
| Net charge-offs to loans | 1.0006% | 1,734 |
| Credit loss provision to net charge-offs | 68.4866% | 4,908 |
| Earnings coverage of net charge-offs (x) | 2.9061% | 3,754 |
| Efficiency ratio | 60.1968% | 5,726 |
| Assets per employee ($millions) | 4.6930% | 2,613 |
| Cash dividends to net income (ytd only)* | 32.2129% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 3,872 |
| Loan loss allowance to noncurrent loans | 260.3849% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 5,126 |
| Noncurrent loans to loans | 0.5886% | 5,538 |
| Net loans and leases to total assets | 49.9470% | 5,590 |
| Net loans and leases to deposits | 66.8017% | 4,624 |
| Net loans and leases to core deposits | 73.0680% | 4,373 |
| Total domestic deposits to total assets | 74.7690% | 6,635 |
| Equity capital to assets | 11.6395% | 2,394 |
| Core capital (leverage) ratio | 8.4950% | 5,569 |
| Tier 1 risk-based capital ratio | 13.4380% | 4,744 |
| Total risk-based capital ratio | 14.6886% | 4,706 |
| Memoranda: | ||
| Average total assets | $402,910,800 | 1,611 |
| Average earning assets | $354,887,000 | 1,668 |
| Average equity | $46,249,200 | 1,476 |
| Average total loans | $208,680,200 | 1,969 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6400% | 4,708 |
| Cost of funding earning assets | 1.2693% | 1,868 |
| Net interest margin | 3.3707% | 5,658 |
| Noninterest income to average assets | 0.8456% | 1,857 |
| Noninterest expense to average assets | 2.3322% | 5,952 |
| Loan and lease loss provision to assets | 0.4609% | 2,151 |
| Net operating income to assets | 0.7043% | 3,598 |
| Return on assets (ROA) | 0.8403% | 3,136 |
| Pretax return on assets | 1.2244% | 2,543 |
| Return on Equity (ROE) | 7.3472% | 3,359 |
| Retained earnings to average equity (ytd only) | 3.9890% | 3,878 |
| Net charge-offs to loans | 1.3975% | 1,076 |
| Credit loss provision to net charge-offs | 63.3318% | 4,697 |
| Earnings coverage of net charge-offs (x) | 2.0450% | 4,124 |
| Efficiency ratio | 61.0455% | 5,553 |
| Assets per employee ($millions) | 4.5190% | 2,883 |
| Cash dividends to net income (ytd only)* | 45.7077% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 4,065 |
| Loan loss allowance to noncurrent loans | 204.0736% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.8148% | 5,142 |
| Noncurrent loans to loans | 0.7374% | 5,404 |
| Net loans and leases to total assets | 49.9829% | 5,707 |
| Net loans and leases to deposits | 65.4768% | 4,975 |
| Net loans and leases to core deposits | 70.9030% | 4,845 |
| Total domestic deposits to total assets | 76.3368% | 6,481 |
| Equity capital to assets | 11.5474% | 2,637 |
| Core capital (leverage) ratio | 8.0778% | 6,312 |
| Tier 1 risk-based capital ratio | 13.0169% | 5,084 |
| Total risk-based capital ratio | 14.2672% | 5,055 |
| Memoranda: | ||
| Average total assets | $399,220,250 | 1,633 |
| Average earning assets | $352,318,250 | 1,687 |
| Average equity | $45,657,750 | 1,487 |
| Average total loans | $207,884,750 | 1,998 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 4,606 |
| Cost of funding earning assets | 1.3159% | 1,845 |
| Net interest margin | 3.3683% | 5,649 |
| Noninterest income to average assets | 0.6211% | 2,999 |
| Noninterest expense to average assets | 2.3593% | 5,965 |
| Loan and lease loss provision to assets | 0.5445% | 1,782 |
| Net operating income to assets | 0.4931% | 4,530 |
| Return on assets (ROA) | 0.6307% | 4,032 |
| Pretax return on assets | 0.8737% | 3,742 |
| Return on Equity (ROE) | 5.5327% | 4,195 |
| Retained earnings to average equity (ytd only) | 2.6580% | 4,601 |
| Net charge-offs to loans | 1.8399% | 746 |
| Credit loss provision to net charge-offs | 56.3380% | 4,432 |
| Earnings coverage of net charge-offs (x) | 1.2697% | 4,336 |
| Efficiency ratio | 65.7858% | 4,914 |
| Assets per employee ($millions) | 4.4218% | 2,958 |
| Cash dividends to net income (ytd only)* | 51.9584% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 4,049 |
| Loan loss allowance to noncurrent loans | 112.2576% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 1.6135% | 3,778 |
| Noncurrent loans to loans | 1.3518% | 4,394 |
| Net loans and leases to total assets | 48.9438% | 5,953 |
| Net loans and leases to deposits | 64.3382% | 5,230 |
| Net loans and leases to core deposits | 70.2812% | 5,039 |
| Total domestic deposits to total assets | 76.0728% | 6,590 |
| Equity capital to assets | 11.3125% | 2,670 |
| Core capital (leverage) ratio | 7.9978% | 6,300 |
| Tier 1 risk-based capital ratio | 12.8118% | 5,080 |
| Total risk-based capital ratio | 14.0619% | 5,054 |
| Memoranda: | ||
| Average total assets | $396,724,670 | 1,659 |
| Average earning assets | $349,256,330 | 1,715 |
| Average equity | $45,222,330 | 1,491 |
| Average total loans | $208,383,000 | 2,015 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6558% | 4,719 |
| Cost of funding earning assets | 1.3736% | 1,751 |
| Net interest margin | 3.2822% | 5,833 |
| Noninterest income to average assets | 0.5647% | 3,408 |
| Noninterest expense to average assets | 2.4969% | 5,566 |
| Loan and lease loss provision to assets | 0.3064% | 2,718 |
| Net operating income to assets | 0.4865% | 4,542 |
| Return on assets (ROA) | 0.5361% | 4,410 |
| Pretax return on assets | 0.7087% | 4,275 |
| Return on Equity (ROE) | 4.6850% | 4,561 |
| Retained earnings to average equity (ytd only) | 1.7848% | 5,050 |
| Net charge-offs to loans | 1.9160% | 667 |
| Credit loss provision to net charge-offs | 29.6150% | 4,124 |
| Earnings coverage of net charge-offs (x) | 0.9181% | 3,965 |
| Efficiency ratio | 72.4444% | 3,780 |
| Assets per employee ($millions) | 4.2833% | 3,273 |
| Cash dividends to net income (ytd only)* | 61.9048% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 3,982 |
| Loan loss allowance to noncurrent loans | 74.6143% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.8190% | 3,543 |
| Noncurrent loans to loans | 2.0717% | 3,485 |
| Net loans and leases to total assets | 51.0380% | 5,710 |
| Net loans and leases to deposits | 67.1424% | 4,808 |
| Net loans and leases to core deposits | 74.5215% | 4,482 |
| Total domestic deposits to total assets | 76.0146% | 6,668 |
| Equity capital to assets | 11.3314% | 2,391 |
| Core capital (leverage) ratio | 8.0982% | 6,133 |
| Tier 1 risk-based capital ratio | 12.4750% | 5,289 |
| Total risk-based capital ratio | 13.7248% | 5,264 |
| Memoranda: | ||
| Average total assets | $391,684,500 | 1,684 |
| Average earning assets | $343,911,500 | 1,751 |
| Average equity | $44,823,500 | 1,496 |
| Average total loans | $211,487,500 | 1,999 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 3,885 |
| Cost of funding earning assets | 1.6495% | 1,834 |
| Net interest margin | 3.4949% | 5,264 |
| Noninterest income to average assets | 0.8679% | 1,984 |
| Noninterest expense to average assets | 2.2530% | 6,471 |
| Loan and lease loss provision to assets | 0.7493% | 2,190 |
| Net operating income to assets | 0.7175% | 3,158 |
| Return on assets (ROA) | 0.8199% | 2,850 |
| Pretax return on assets | 1.0707% | 2,700 |
| Return on Equity (ROE) | 7.0600% | 3,086 |
| Retained earnings to average equity (ytd only) | 5.1890% | 2,317 |
| Net charge-offs to loans | 0.9861% | 2,215 |
| Credit loss provision to net charge-offs | 136.2548% | 2,827 |
| Earnings coverage of net charge-offs (x) | 3.0675% | 3,538 |
| Efficiency ratio | 56.4276% | 6,539 |
| Assets per employee ($millions) | 4.0960% | 3,587 |
| Cash dividends to net income (ytd only)* | 26.5018% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8039% | 2,851 |
| Loan loss allowance to noncurrent loans | 55.2803% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 1.9646% | 3,387 |
| Noncurrent loans to loans | 3.2632% | 2,326 |
| Net loans and leases to total assets | 55.2097% | 5,455 |
| Net loans and leases to deposits | 74.9668% | 4,031 |
| Net loans and leases to core deposits | 89.3452% | 2,850 |
| Total domestic deposits to total assets | 73.6455% | 6,932 |
| Equity capital to assets | 11.5601% | 2,212 |
| Core capital (leverage) ratio | 8.1659% | 5,880 |
| Tier 1 risk-based capital ratio | 12.1812% | 5,305 |
| Total risk-based capital ratio | 13.4356% | 5,280 |
| Memoranda: | ||
| Average total assets | $379,665,800 | 1,731 |
| Average earning assets | $333,747,000 | 1,791 |
| Average equity | $44,093,200 | 1,515 |
| Average total loans | $211,753,400 | 2,049 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2021% | 3,818 |
| Cost of funding earning assets | 1.7144% | 1,798 |
| Net interest margin | 3.4877% | 5,345 |
| Noninterest income to average assets | 0.6791% | 2,951 |
| Noninterest expense to average assets | 2.2491% | 6,469 |
| Loan and lease loss provision to assets | 0.5092% | 2,910 |
| Net operating income to assets | 0.6716% | 3,538 |
| Return on assets (ROA) | 0.7926% | 3,196 |
| Pretax return on assets | 1.1602% | 2,636 |
| Return on Equity (ROE) | 6.8166% | 3,424 |
| Retained earnings to average equity (ytd only) | 4.3161% | 3,463 |
| Net charge-offs to loans | 0.5477% | 3,112 |
| Credit loss provision to net charge-offs | 167.0520% | 2,230 |
| Earnings coverage of net charge-offs (x) | 4.8925% | 2,902 |
| Efficiency ratio | 59.0635% | 6,100 |
| Assets per employee ($millions) | 4.1120% | 3,624 |
| Cash dividends to net income (ytd only)* | 36.6829% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 2,949 |
| Loan loss allowance to noncurrent loans | 101.2768% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 1.0750% | 4,962 |
| Noncurrent loans to loans | 1.7351% | 4,043 |
| Net loans and leases to total assets | 54.4998% | 5,775 |
| Net loans and leases to deposits | 75.9736% | 4,181 |
| Net loans and leases to core deposits | 92.5504% | 2,720 |
| Total domestic deposits to total assets | 71.7352% | 7,161 |
| Equity capital to assets | 11.6810% | 2,372 |
| Core capital (leverage) ratio | 8.1532% | 6,114 |
| Tier 1 risk-based capital ratio | 11.9884% | 5,477 |
| Total risk-based capital ratio | 13.2414% | 5,438 |
| Memoranda: | ||
| Average total assets | $378,326,500 | 1,766 |
| Average earning assets | $332,088,500 | 1,824 |
| Average equity | $43,989,250 | 1,520 |
| Average total loans | $210,573,000 | 2,094 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2672% | 3,616 |
| Cost of funding earning assets | 1.7789% | 1,724 |
| Net interest margin | 3.4882% | 5,291 |
| Noninterest income to average assets | 0.5894% | 3,418 |
| Noninterest expense to average assets | 2.2480% | 6,512 |
| Loan and lease loss provision to assets | 0.5544% | 2,555 |
| Net operating income to assets | 0.6038% | 3,864 |
| Return on assets (ROA) | 0.7141% | 3,492 |
| Pretax return on assets | 0.9990% | 3,115 |
| Return on Equity (ROE) | 6.1514% | 3,727 |
| Retained earnings to average equity (ytd only) | 4.0948% | 3,477 |
| Net charge-offs to loans | 0.6360% | 2,639 |
| Credit loss provision to net charge-offs | 156.4371% | 2,522 |
| Earnings coverage of net charge-offs (x) | 3.9446% | 3,112 |
| Efficiency ratio | 60.5646% | 5,940 |
| Assets per employee ($millions) | 4.6324% | 2,677 |
| Cash dividends to net income (ytd only)* | 33.4324% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 3,272 |
| Loan loss allowance to noncurrent loans | 50.9761% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 1.9703% | 3,529 |
| Noncurrent loans to loans | 3.2262% | 2,485 |
| Net loans and leases to total assets | 56.1825% | 5,678 |
| Net loans and leases to deposits | 76.2196% | 4,295 |
| Net loans and leases to core deposits | 92.9350% | 2,857 |
| Total domestic deposits to total assets | 73.7114% | 7,009 |
| Equity capital to assets | 11.7793% | 2,226 |
| Core capital (leverage) ratio | 8.0099% | 6,263 |
| Tier 1 risk-based capital ratio | 11.6583% | 5,621 |
| Total risk-based capital ratio | 12.9102% | 5,582 |
| Memoranda: | ||
| Average total assets | $376,963,330 | 1,781 |
| Average earning assets | $330,311,000 | 1,846 |
| Average equity | $43,762,330 | 1,519 |
| Average total loans | $210,049,330 | 2,124 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1921% | 4,068 |
| Cost of funding earning assets | 1.8417% | 1,692 |
| Net interest margin | 3.3504% | 5,784 |
| Noninterest income to average assets | 0.5315% | 3,801 |
| Noninterest expense to average assets | 2.2222% | 6,625 |
| Loan and lease loss provision to assets | 0.5505% | 2,300 |
| Net operating income to assets | 0.5122% | 4,335 |
| Return on assets (ROA) | 0.6913% | 3,594 |
| Pretax return on assets | 0.9581% | 3,242 |
| Return on Equity (ROE) | 5.9985% | 3,884 |
| Retained earnings to average equity (ytd only) | 5.0799% | 3,113 |
| Net charge-offs to loans | 0.0923% | 4,497 |
| Credit loss provision to net charge-offs | 1,083.3333% | 435 |
| Earnings coverage of net charge-offs (x) | 24.7917% | 1,002 |
| Efficiency ratio | 62.6634% | 5,716 |
| Assets per employee ($millions) | 4.2995% | 3,289 |
| Cash dividends to net income (ytd only)* | 15.3139% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6917% | 3,096 |
| Loan loss allowance to noncurrent loans | 91.5992% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.1214% | 4,915 |
| Noncurrent loans to loans | 1.8468% | 3,993 |
| Net loans and leases to total assets | 54.9755% | 5,896 |
| Net loans and leases to deposits | 74.0161% | 4,737 |
| Net loans and leases to core deposits | 94.7834% | 2,731 |
| Total domestic deposits to total assets | 74.2751% | 7,010 |
| Equity capital to assets | 11.4589% | 2,392 |
| Core capital (leverage) ratio | 7.8671% | 6,419 |
| Tier 1 risk-based capital ratio | 11.6164% | 5,560 |
| Total risk-based capital ratio | 12.8690% | 5,522 |
| Memoranda: | ||
| Average total assets | $377,831,500 | 1,816 |
| Average earning assets | $332,739,000 | 1,882 |
| Average equity | $43,544,000 | 1,538 |
| Average total loans | $207,905,500 | 2,195 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5409% | 3,922 |
| Cost of funding earning assets | 2.3642% | 1,412 |
| Net interest margin | 3.1767% | 6,169 |
| Noninterest income to average assets | 0.5552% | 3,982 |
| Noninterest expense to average assets | 2.3239% | 6,677 |
| Loan and lease loss provision to assets | 0.5403% | 3,666 |
| Net operating income to assets | 0.3773% | 4,224 |
| Return on assets (ROA) | 0.3796% | 4,312 |
| Pretax return on assets | 0.4646% | 4,307 |
| Return on Equity (ROE) | 3.4587% | 4,309 |
| Retained earnings to average equity (ytd only) | 1.6915% | 3,904 |
| Net charge-offs to loans | 0.2883% | 4,830 |
| Credit loss provision to net charge-offs | 336.2069% | 963 |
| Earnings coverage of net charge-offs (x) | 6.2362% | 2,408 |
| Efficiency ratio | 68.6214% | 4,901 |
| Assets per employee ($millions) | 4.2874% | 3,287 |
| Cash dividends to net income (ytd only)* | 51.0949% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 3,437 |
| Loan loss allowance to noncurrent loans | 81.7238% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.2104% | 4,677 |
| Noncurrent loans to loans | 1.9086% | 3,791 |
| Net loans and leases to total assets | 53.2633% | 6,276 |
| Net loans and leases to deposits | 71.5025% | 5,403 |
| Net loans and leases to core deposits | 100.0282% | 3,999 |
| Total domestic deposits to total assets | 74.4916% | 6,946 |
| Equity capital to assets | 11.5923% | 2,248 |
| Core capital (leverage) ratio | 7.8683% | 6,360 |
| Tier 1 risk-based capital ratio | 11.8417% | 5,079 |
| Total risk-based capital ratio | 13.0928% | 5,043 |
| Memoranda: | ||
| Average total assets | $360,937,400 | 1,882 |
| Average earning assets | $314,822,800 | 1,979 |
| Average equity | $39,610,200 | 1,695 |
| Average total loans | $201,172,000 | 2,285 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6043% | 3,840 |
| Cost of funding earning assets | 2.4738% | 1,380 |
| Net interest margin | 3.1305% | 6,230 |
| Noninterest income to average assets | 0.6918% | 3,076 |
| Noninterest expense to average assets | 2.4020% | 6,414 |
| Loan and lease loss provision to assets | 0.5588% | 3,152 |
| Net operating income to assets | 0.3802% | 4,480 |
| Return on assets (ROA) | 0.3833% | 4,569 |
| Pretax return on assets | 0.4604% | 4,640 |
| Return on Equity (ROE) | 3.5449% | 4,557 |
| Retained earnings to average equity (ytd only) | 2.1669% | 4,113 |
| Net charge-offs to loans | 0.2607% | 4,418 |
| Credit loss provision to net charge-offs | 381.6794% | 1,057 |
| Earnings coverage of net charge-offs (x) | 6.9364% | 2,514 |
| Efficiency ratio | 69.0538% | 4,772 |
| Assets per employee ($millions) | 4.2798% | 3,236 |
| Cash dividends to net income (ytd only)* | 38.8726% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 3,792 |
| Loan loss allowance to noncurrent loans | 84.6334% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.2206% | 4,627 |
| Noncurrent loans to loans | 1.6878% | 4,115 |
| Net loans and leases to total assets | 52.8776% | 6,516 |
| Net loans and leases to deposits | 77.6551% | 4,789 |
| Net loans and leases to core deposits | 97.4992% | 4,661 |
| Total domestic deposits to total assets | 68.0929% | 7,561 |
| Equity capital to assets | 10.6133% | 3,386 |
| Core capital (leverage) ratio | 6.9402% | 7,468 |
| Tier 1 risk-based capital ratio | 10.4641% | 6,509 |
| Total risk-based capital ratio | 11.6905% | 6,482 |
| Memoranda: | ||
| Average total assets | $357,920,000 | 1,911 |
| Average earning assets | $311,635,000 | 2,018 |
| Average equity | $38,702,750 | 1,752 |
| Average total loans | $201,009,000 | 2,311 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7707% | 3,190 |
| Cost of funding earning assets | 2.5781% | 1,349 |
| Net interest margin | 3.1926% | 5,942 |
| Noninterest income to average assets | 0.6659% | 3,223 |
| Noninterest expense to average assets | 2.4584% | 6,269 |
| Loan and lease loss provision to assets | 0.3412% | 3,888 |
| Net operating income to assets | 0.4678% | 4,226 |
| Return on assets (ROA) | 0.4720% | 4,323 |
| Pretax return on assets | 0.6403% | 4,195 |
| Return on Equity (ROE) | 4.3365% | 4,365 |
| Retained earnings to average equity (ytd only) | 4.3365% | 2,883 |
| Net charge-offs to loans | 0.3777% | 3,306 |
| Credit loss provision to net charge-offs | 158.3113% | 2,908 |
| Earnings coverage of net charge-offs (x) | 4.5277% | 3,076 |
| Efficiency ratio | 70.3428% | 4,708 |
| Assets per employee ($millions) | 3.9306% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 6,521 |
| Loan loss allowance to noncurrent loans | 345.2504% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.5513% | 6,042 |
| Noncurrent loans to loans | 0.2771% | 6,830 |
| Net loans and leases to total assets | 57.8652% | 5,980 |
| Net loans and leases to deposits | 79.3485% | 4,648 |
| Net loans and leases to core deposits | 105.9471% | 3,850 |
| Total domestic deposits to total assets | 72.9253% | 7,120 |
| Equity capital to assets | 10.8310% | 3,078 |
| Core capital (leverage) ratio | 6.8415% | 7,636 |
| Tier 1 risk-based capital ratio | 9.7877% | 7,148 |
| Total risk-based capital ratio | 10.6326% | 7,460 |
| Memoranda: | ||
| Average total assets | $351,686,330 | 1,966 |
| Average earning assets | $304,952,670 | 2,084 |
| Average equity | $38,279,670 | 1,786 |
| Average total loans | $200,667,330 | 2,347 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7861% | 3,374 |
| Cost of funding earning assets | 2.7067% | 1,253 |
| Net interest margin | 3.0794% | 6,259 |
| Noninterest income to average assets | 0.6367% | 3,296 |
| Noninterest expense to average assets | 2.4056% | 6,174 |
| Loan and lease loss provision to assets | 0.3441% | 3,264 |
| Net operating income to assets | 0.4810% | 4,514 |
| Return on assets (ROA) | 0.4910% | 4,653 |
| Pretax return on assets | 0.5621% | 4,875 |
| Return on Equity (ROE) | 4.4995% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.4995% | 3,429 |
| Net charge-offs to loans | 0.0427% | 4,880 |
| Credit loss provision to net charge-offs | 1,428.5714% | 444 |
| Earnings coverage of net charge-offs (x) | 37.1429% | 899 |
| Efficiency ratio | 71.5676% | 4,257 |
| Assets per employee ($millions) | 3.8035% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 5,890 |
| Loan loss allowance to noncurrent loans | 104.8445% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 5,657 |
| Noncurrent loans to loans | 0.9881% | 5,021 |
| Net loans and leases to total assets | 57.3751% | 6,043 |
| Net loans and leases to deposits | 78.8470% | 4,796 |
| Net loans and leases to core deposits | 105.3924% | 3,984 |
| Total domestic deposits to total assets | 72.7676% | 7,088 |
| Equity capital to assets | 11.2449% | 2,771 |
| Core capital (leverage) ratio | 6.8198% | 7,754 |
| Tier 1 risk-based capital ratio | 9.9393% | 6,995 |
| Total risk-based capital ratio | 10.8422% | 7,284 |
| Memoranda: | ||
| Average total assets | $348,687,000 | 1,992 |
| Average earning assets | $301,618,500 | 2,116 |
| Average equity | $38,049,000 | 1,793 |
| Average total loans | $196,514,000 | 2,404 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1318% | 4,887 |
| Cost of funding earning assets | 3.3224% | 867 |
| Net interest margin | 2.8094% | 7,316 |
| Noninterest income to average assets | 0.8630% | 2,146 |
| Noninterest expense to average assets | 2.1035% | 7,230 |
| Loan and lease loss provision to assets | 0.4378% | 3,101 |
| Net operating income to assets | 0.7105% | 3,843 |
| Return on assets (ROA) | -1.1888% | 7,279 |
| Pretax return on assets | -2.2052% | 7,505 |
| Return on Equity (ROE) | -11.2575% | 7,365 |
| Retained earnings to average equity (ytd only) | -12.6487% | 7,302 |
| Net charge-offs to loans | 0.9283% | 1,334 |
| Credit loss provision to net charge-offs | 87.4927% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.3987% | 4,877 |
| Efficiency ratio | 62.3355% | 5,892 |
| Assets per employee ($millions) | 4.1772% | 3,155 |
| Cash dividends to net income (ytd only)* | -12.3579% | 7,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 6,599 |
| Loan loss allowance to noncurrent loans | 85.5219% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 5,386 |
| Noncurrent loans to loans | 1.0685% | 4,433 |
| Net loans and leases to total assets | 54.2982% | 6,622 |
| Net loans and leases to deposits | 75.4141% | 5,666 |
| Net loans and leases to core deposits | 97.2018% | 5,128 |
| Total domestic deposits to total assets | 72.0001% | 6,995 |
| Equity capital to assets | 10.5912% | 3,400 |
| Core capital (leverage) ratio | 6.5540% | 7,914 |
| Tier 1 risk-based capital ratio | 9.5956% | 7,215 |
| Total risk-based capital ratio | 10.3855% | 7,649 |
| Memoranda: | ||
| Average total assets | $340,335,400 | 1,954 |
| Average earning assets | $295,686,000 | 2,068 |
| Average equity | $35,940,400 | 1,875 |
| Average total loans | $183,460,600 | 2,468 |