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 | 5.8020% | 834 |
| Cost of funding earning assets | 1.6769% | 1,500 |
| Net interest margin | 4.1252% | 1,040 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 1.8654% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.4346% | 258 |
| Return on assets (ROA) | 2.4244% | 255 |
| Pretax return on assets | 2.4261% | 364 |
| Return on Equity (ROE) | 25.9600% | 281 |
| Retained earnings to average equity (ytd only) | 11.2353% | 744 |
| Net charge-offs to loans | -0.0885% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 43.3646% | 4,273 |
| Assets per employee ($millions) | 7.7649% | 1,557 |
| Cash dividends to net income (ytd only)* | 56.7127% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 3,793 |
| Loan loss allowance to noncurrent loans | 32,368.7500% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,829 |
| Noncurrent loans to loans | 0.0027% | 3,780 |
| Net loans and leases to total assets | 79.4900% | 701 |
| Net loans and leases to deposits | 94.6078% | 896 |
| Net loans and leases to core deposits | 101.0720% | 1,374 |
| Total domestic deposits to total assets | 84.0200% | 2,611 |
| Equity capital to assets | 9.6791% | 2,215 |
| Core capital (leverage) ratio | 10.1483% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7095% | 2,336 |
| Memoranda: | ||
| Average total assets | $705,423,400 | 1,304 |
| Average earning assets | $681,744,800 | 1,264 |
| Average equity | $65,890,800 | 1,308 |
| Average total loans | $542,608,600 | 1,163 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 810 |
| Cost of funding earning assets | 1.5475% | 1,488 |
| Net interest margin | 4.1340% | 1,010 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 1.8469% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.4685% | 275 |
| Return on assets (ROA) | 2.4719% | 269 |
| Pretax return on assets | 2.4742% | 391 |
| Return on Equity (ROE) | 26.7200% | 319 |
| Retained earnings to average equity (ytd only) | 12.8280% | 840 |
| Net charge-offs to loans | -0.1209% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.7755% | 4,285 |
| Assets per employee ($millions) | 7.5091% | 1,624 |
| Cash dividends to net income (ytd only)* | 51.9916% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 3,684 |
| Loan loss allowance to noncurrent loans | 30,470.5882% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 3,854 |
| Noncurrent loans to loans | 0.0030% | 3,797 |
| Net loans and leases to total assets | 78.7100% | 793 |
| Net loans and leases to deposits | 91.1957% | 1,127 |
| Net loans and leases to core deposits | 96.9375% | 1,507 |
| Total domestic deposits to total assets | 86.3100% | 2,099 |
| Equity capital to assets | 9.2482% | 2,261 |
| Core capital (leverage) ratio | 10.2932% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0539% | 2,251 |
| Memoranda: | ||
| Average total assets | $697,361,750 | 1,310 |
| Average earning assets | $673,938,250 | 1,265 |
| Average equity | $64,513,500 | 1,311 |
| Average total loans | $530,375,500 | 1,175 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5476% | 781 |
| Cost of funding earning assets | 1.3860% | 1,486 |
| Net interest margin | 4.1616% | 980 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.8346% | 3,938 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.4609% | 256 |
| Return on assets (ROA) | 2.4652% | 250 |
| Pretax return on assets | 2.4687% | 370 |
| Return on Equity (ROE) | 26.6500% | 302 |
| Retained earnings to average equity (ytd only) | 12.9727% | 810 |
| Net charge-offs to loans | -0.1860% | 4,582 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.6756% | 4,310 |
| Assets per employee ($millions) | 7.7337% | 1,451 |
| Cash dividends to net income (ytd only)* | 51.3130% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 3,606 |
| Loan loss allowance to noncurrent loans | 948.9011% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 2,987 |
| Noncurrent loans to loans | 0.1003% | 2,986 |
| Net loans and leases to total assets | 77.4300% | 896 |
| Net loans and leases to deposits | 89.1810% | 1,247 |
| Net loans and leases to core deposits | 93.0935% | 1,618 |
| Total domestic deposits to total assets | 86.8200% | 1,982 |
| Equity capital to assets | 9.2326% | 2,356 |
| Core capital (leverage) ratio | 10.3212% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3804% | 2,142 |
| Memoranda: | ||
| Average total assets | $692,027,667 | 1,313 |
| Average earning assets | $668,683,667 | 1,267 |
| Average equity | $64,027,000 | 1,319 |
| Average total loans | $518,267,667 | 1,183 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2600% | 875 |
| Cost of funding earning assets | 1.1982% | 1,452 |
| Net interest margin | 4.0618% | 1,156 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.8434% | 3,960 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3506% | 299 |
| Return on assets (ROA) | 2.3553% | 296 |
| Pretax return on assets | 2.3622% | 435 |
| Return on Equity (ROE) | 25.4300% | 386 |
| Retained earnings to average equity (ytd only) | 17.5498% | 554 |
| Net charge-offs to loans | -0.0016% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.8802% | 4,307 |
| Assets per employee ($millions) | 7.4256% | 1,665 |
| Cash dividends to net income (ytd only)* | 30.9870% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 3,788 |
| Loan loss allowance to noncurrent loans | 235.1676% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 1,685 |
| Noncurrent loans to loans | 0.3933% | 1,749 |
| Net loans and leases to total assets | 74.5200% | 1,132 |
| Net loans and leases to deposits | 83.1111% | 1,569 |
| Net loans and leases to core deposits | 86.1077% | 1,861 |
| Total domestic deposits to total assets | 89.6700% | 1,272 |
| Equity capital to assets | 9.7246% | 1,983 |
| Core capital (leverage) ratio | 9.9903% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0828% | 1,951 |
| Memoranda: | ||
| Average total assets | $690,024,500 | 1,331 |
| Average earning assets | $667,678,000 | 1,287 |
| Average equity | $63,909,500 | 1,333 |
| Average total loans | $505,351,000 | 1,218 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 1,584 |
| Cost of funding earning assets | 0.5469% | 1,121 |
| Net interest margin | 3.5052% | 1,914 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.7350% | 4,115 |
| Loan and lease loss provision to assets | -0.2900% | 4,660 |
| Net operating income to assets | 2.2986% | 184 |
| Return on assets (ROA) | 2.1952% | 206 |
| Pretax return on assets | 2.1952% | 323 |
| Return on Equity (ROE) | 25.5800% | 193 |
| Retained earnings to average equity (ytd only) | 15.9036% | 233 |
| Net charge-offs to loans | -0.0085% | 3,760 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.3371% | 4,325 |
| Assets per employee ($millions) | 7.8258% | 1,426 |
| Cash dividends to net income (ytd only)* | 37.8170% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 3,646 |
| Loan loss allowance to noncurrent loans | 225.9135% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 1,677 |
| Noncurrent loans to loans | 0.4140% | 1,685 |
| Net loans and leases to total assets | 70.6700% | 1,564 |
| Net loans and leases to deposits | 78.0281% | 1,945 |
| Net loans and leases to core deposits | 79.6900% | 2,154 |
| Total domestic deposits to total assets | 90.5700% | 1,125 |
| Equity capital to assets | 8.8180% | 2,474 |
| Core capital (leverage) ratio | 9.4350% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5344% | 2,155 |
| Memoranda: | ||
| Average total assets | $691,566,400 | 1,319 |
| Average earning assets | $670,665,200 | 1,274 |
| Average equity | $59,357,600 | 1,414 |
| Average total loans | $482,433,000 | 1,206 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 1,922 |
| Cost of funding earning assets | 0.4418% | 1,021 |
| Net interest margin | 3.2998% | 2,294 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.7019% | 4,147 |
| Loan and lease loss provision to assets | -0.3900% | 4,723 |
| Net operating income to assets | 2.2435% | 204 |
| Return on assets (ROA) | 2.2408% | 202 |
| Pretax return on assets | 2.2408% | 300 |
| Return on Equity (ROE) | 26.2900% | 155 |
| Retained earnings to average equity (ytd only) | 18.9166% | 134 |
| Net charge-offs to loans | -0.0126% | 3,805 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.8334% | 4,283 |
| Assets per employee ($millions) | 7.7259% | 1,465 |
| Cash dividends to net income (ytd only)* | 28.0491% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 3,680 |
| Loan loss allowance to noncurrent loans | 167.5454% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 1,342 |
| Noncurrent loans to loans | 0.5690% | 1,412 |
| Net loans and leases to total assets | 70.2700% | 1,456 |
| Net loans and leases to deposits | 77.3269% | 1,773 |
| Net loans and leases to core deposits | 78.7030% | 1,993 |
| Total domestic deposits to total assets | 90.8800% | 1,288 |
| Equity capital to assets | 8.5781% | 2,495 |
| Core capital (leverage) ratio | 9.2211% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4434% | 2,292 |
| Memoranda: | ||
| Average total assets | $688,377,750 | 1,328 |
| Average earning assets | $667,896,500 | 1,286 |
| Average equity | $58,670,250 | 1,442 |
| Average total loans | $477,433,750 | 1,215 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4255% | 2,358 |
| Cost of funding earning assets | 0.3726% | 1,097 |
| Net interest margin | 3.0529% | 2,706 |
| Noninterest income to average assets | 0.3562% | 3,017 |
| Noninterest expense to average assets | 1.6911% | 4,155 |
| Loan and lease loss provision to assets | -0.5830% | 4,754 |
| Net operating income to assets | 2.2126% | 157 |
| Return on assets (ROA) | 2.2088% | 158 |
| Pretax return on assets | 2.2088% | 242 |
| Return on Equity (ROE) | 25.9731% | 95 |
| Retained earnings to average equity (ytd only) | 20.4611% | 68 |
| Net charge-offs to loans | -0.0208% | 3,893 |
| Credit loss provision to net charge-offs | 4,081.6327% | 131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9262% | 4,197 |
| Assets per employee ($millions) | 7.4015% | 1,673 |
| Cash dividends to net income (ytd only)* | 21.2221% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 3,790 |
| Loan loss allowance to noncurrent loans | 167.2114% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 1,368 |
| Noncurrent loans to loans | 0.5691% | 1,486 |
| Net loans and leases to total assets | 71.9524% | 1,106 |
| Net loans and leases to deposits | 79.2821% | 1,438 |
| Net loans and leases to core deposits | 80.7589% | 1,674 |
| Total domestic deposits to total assets | 90.7549% | 1,359 |
| Equity capital to assets | 8.7480% | 2,573 |
| Core capital (leverage) ratio | 9.2478% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2908% | 2,376 |
| Memoranda: | ||
| Average total assets | $686,059,667 | 1,335 |
| Average earning assets | $666,176,333 | 1,294 |
| Average equity | $58,345,000 | 1,473 |
| Average total loans | $472,131,667 | 1,222 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1930% | 2,712 |
| Cost of funding earning assets | 0.3629% | 1,111 |
| Net interest margin | 2.8300% | 3,044 |
| Noninterest income to average assets | 0.3718% | 2,860 |
| Noninterest expense to average assets | 1.6834% | 4,162 |
| Loan and lease loss provision to assets | -1.1617% | 4,787 |
| Net operating income to assets | 2.5994% | 111 |
| Return on assets (ROA) | 2.5971% | 109 |
| Pretax return on assets | 2.5971% | 156 |
| Return on Equity (ROE) | 30.9768% | 56 |
| Retained earnings to average equity (ytd only) | 30.6720% | 36 |
| Net charge-offs to loans | -0.0425% | 4,204 |
| Credit loss provision to net charge-offs | 4,081.6327% | 116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9363% | 4,054 |
| Assets per employee ($millions) | 7.3603% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.9841% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 3,680 |
| Loan loss allowance to noncurrent loans | 147.0478% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 1,288 |
| Noncurrent loans to loans | 0.6868% | 1,380 |
| Net loans and leases to total assets | 68.1317% | 1,200 |
| Net loans and leases to deposits | 75.4668% | 1,493 |
| Net loans and leases to core deposits | 77.1729% | 1,684 |
| Total domestic deposits to total assets | 90.2803% | 1,394 |
| Equity capital to assets | 8.7109% | 2,964 |
| Core capital (leverage) ratio | 8.8388% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7245% | 2,333 |
| Memoranda: | ||
| Average total assets | $688,622,000 | 1,337 |
| Average earning assets | $668,970,000 | 1,295 |
| Average equity | $57,733,500 | 1,531 |
| Average total loans | $460,869,500 | 1,234 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5948% | 2,406 |
| Cost of funding earning assets | 0.4569% | 1,149 |
| Net interest margin | 3.1379% | 2,770 |
| Noninterest income to average assets | 0.4481% | 2,827 |
| Noninterest expense to average assets | 1.6811% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8196% | 490 |
| Return on assets (ROA) | 1.8236% | 504 |
| Pretax return on assets | 1.8251% | 867 |
| Return on Equity (ROE) | 21.3603% | 246 |
| Retained earnings to average equity (ytd only) | 5.3279% | 2,657 |
| Net charge-offs to loans | 0.0724% | 1,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 36.4784% | 1,487 |
| Efficiency ratio | 48.0004% | 4,405 |
| Assets per employee ($millions) | 7.8662% | 1,405 |
| Cash dividends to net income (ytd only)* | 75.0570% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 1,692 |
| Loan loss allowance to noncurrent loans | 175.5802% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 1,219 |
| Noncurrent loans to loans | 0.8322% | 1,222 |
| Net loans and leases to total assets | 64.1372% | 1,685 |
| Net loans and leases to deposits | 70.5402% | 2,068 |
| Net loans and leases to core deposits | 72.2941% | 2,235 |
| Total domestic deposits to total assets | 90.9228% | 519 |
| Equity capital to assets | 8.0676% | 4,323 |
| Core capital (leverage) ratio | 8.3455% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3809% | 2,498 |
| Memoranda: | ||
| Average total assets | $648,999,000 | 1,365 |
| Average earning assets | $631,665,200 | 1,322 |
| Average equity | $55,406,400 | 1,622 |
| Average total loans | $447,770,200 | 1,268 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6363% | 2,460 |
| Cost of funding earning assets | 0.4804% | 1,155 |
| Net interest margin | 3.1559% | 2,874 |
| Noninterest income to average assets | 0.4734% | 2,740 |
| Noninterest expense to average assets | 1.7117% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8322% | 623 |
| Return on assets (ROA) | 1.8360% | 652 |
| Pretax return on assets | 1.8381% | 1,071 |
| Return on Equity (ROE) | 21.1852% | 346 |
| Retained earnings to average equity (ytd only) | 5.0660% | 3,196 |
| Net charge-offs to loans | -0.0496% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2714% | 4,347 |
| Assets per employee ($millions) | 7.5339% | 1,544 |
| Cash dividends to net income (ytd only)* | 76.0872% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 1,345 |
| Loan loss allowance to noncurrent loans | 166.1939% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6562% | 1,148 |
| Noncurrent loans to loans | 0.9616% | 1,195 |
| Net loans and leases to total assets | 67.1478% | 1,412 |
| Net loans and leases to deposits | 74.5137% | 1,808 |
| Net loans and leases to core deposits | 76.8457% | 1,973 |
| Total domestic deposits to total assets | 90.1147% | 725 |
| Equity capital to assets | 8.5177% | 4,201 |
| Core capital (leverage) ratio | 8.4068% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4919% | 2,549 |
| Memoranda: | ||
| Average total assets | $636,225,000 | 1,400 |
| Average earning assets | $619,443,750 | 1,350 |
| Average equity | $55,137,750 | 1,653 |
| Average total loans | $445,793,000 | 1,293 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5464% | 2,780 |
| Cost of funding earning assets | 0.4987% | 1,212 |
| Net interest margin | 3.0477% | 3,185 |
| Noninterest income to average assets | 0.5030% | 2,611 |
| Noninterest expense to average assets | 1.7062% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7665% | 769 |
| Return on assets (ROA) | 1.7700% | 805 |
| Pretax return on assets | 1.7732% | 1,292 |
| Return on Equity (ROE) | 20.3033% | 433 |
| Retained earnings to average equity (ytd only) | 4.2544% | 3,439 |
| Net charge-offs to loans | -0.0656% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0864% | 4,315 |
| Assets per employee ($millions) | 6.9369% | 1,854 |
| Cash dividends to net income (ytd only)* | 79.0456% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 1,382 |
| Loan loss allowance to noncurrent loans | 188.7212% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 1,426 |
| Noncurrent loans to loans | 0.8284% | 1,480 |
| Net loans and leases to total assets | 69.5686% | 1,252 |
| Net loans and leases to deposits | 77.1909% | 1,710 |
| Net loans and leases to core deposits | 79.5725% | 1,921 |
| Total domestic deposits to total assets | 90.1254% | 709 |
| Equity capital to assets | 8.5217% | 4,187 |
| Core capital (leverage) ratio | 8.5419% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6683% | 2,485 |
| Memoranda: | ||
| Average total assets | $629,817,333 | 1,404 |
| Average earning assets | $614,365,000 | 1,356 |
| Average equity | $54,907,333 | 1,646 |
| Average total loans | $445,301,667 | 1,302 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5554% | 2,774 |
| Cost of funding earning assets | 0.5285% | 1,214 |
| Net interest margin | 3.0269% | 3,188 |
| Noninterest income to average assets | 0.5028% | 2,599 |
| Noninterest expense to average assets | 1.6787% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7706% | 831 |
| Return on assets (ROA) | 1.7770% | 875 |
| Pretax return on assets | 1.7835% | 1,323 |
| Return on Equity (ROE) | 20.1483% | 520 |
| Retained earnings to average equity (ytd only) | 12.8588% | 951 |
| Net charge-offs to loans | -0.0909% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5767% | 4,299 |
| Assets per employee ($millions) | 6.8369% | 1,904 |
| Cash dividends to net income (ytd only)* | 36.1795% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 1,244 |
| Loan loss allowance to noncurrent loans | 133.1453% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.8494% | 1,046 |
| Noncurrent loans to loans | 1.2147% | 1,084 |
| Net loans and leases to total assets | 67.7545% | 1,559 |
| Net loans and leases to deposits | 75.6247% | 1,955 |
| Net loans and leases to core deposits | 78.3466% | 2,153 |
| Total domestic deposits to total assets | 89.5932% | 1,023 |
| Equity capital to assets | 8.7432% | 3,919 |
| Core capital (leverage) ratio | 8.7853% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0692% | 1,879 |
| Memoranda: | ||
| Average total assets | $622,161,500 | 1,408 |
| Average earning assets | $606,959,000 | 1,356 |
| Average equity | $54,873,000 | 1,637 |
| Average total loans | $439,985,000 | 1,306 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 1,646 |
| Cost of funding earning assets | 0.8024% | 1,197 |
| Net interest margin | 3.5755% | 2,231 |
| Noninterest income to average assets | 0.5194% | 2,548 |
| Noninterest expense to average assets | 1.8163% | 4,443 |
| Loan and lease loss provision to assets | 0.6779% | 248 |
| Net operating income to assets | 1.4893% | 835 |
| Return on assets (ROA) | 1.4886% | 907 |
| Pretax return on assets | 1.4903% | 1,362 |
| Return on Equity (ROE) | 16.3388% | 470 |
| Retained earnings to average equity (ytd only) | 7.5568% | 1,178 |
| Net charge-offs to loans | 0.4937% | 324 |
| Credit loss provision to net charge-offs | 168.3428% | 2,325 |
| Earnings coverage of net charge-offs (x) | 5.3861% | 2,870 |
| Efficiency ratio | 45.5750% | 4,734 |
| Assets per employee ($millions) | 6.8370% | 1,683 |
| Cash dividends to net income (ytd only)* | 53.7497% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 1,353 |
| Loan loss allowance to noncurrent loans | 280.2890% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 2,313 |
| Noncurrent loans to loans | 0.5635% | 2,291 |
| Net loans and leases to total assets | 71.5049% | 1,362 |
| Net loans and leases to deposits | 80.0012% | 1,866 |
| Net loans and leases to core deposits | 83.6506% | 2,069 |
| Total domestic deposits to total assets | 89.3798% | 816 |
| Equity capital to assets | 8.8997% | 4,148 |
| Core capital (leverage) ratio | 8.7558% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7727% | 2,320 |
| Memoranda: | ||
| Average total assets | $567,927,800 | 1,404 |
| Average earning assets | $550,500,400 | 1,347 |
| Average equity | $51,741,800 | 1,640 |
| Average total loans | $463,271,000 | 1,199 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 1,702 |
| Cost of funding earning assets | 0.8562% | 1,225 |
| Net interest margin | 3.5923% | 2,299 |
| Noninterest income to average assets | 0.5197% | 2,528 |
| Noninterest expense to average assets | 1.8745% | 4,374 |
| Loan and lease loss provision to assets | 0.9202% | 168 |
| Net operating income to assets | 1.1997% | 1,634 |
| Return on assets (ROA) | 1.1973% | 1,770 |
| Pretax return on assets | 1.1997% | 2,391 |
| Return on Equity (ROE) | 13.0596% | 1,094 |
| Retained earnings to average equity (ytd only) | 6.1322% | 2,052 |
| Net charge-offs to loans | 0.7210% | 194 |
| Credit loss provision to net charge-offs | 151.9337% | 2,313 |
| Earnings coverage of net charge-offs (x) | 3.5039% | 2,908 |
| Efficiency ratio | 46.8991% | 4,669 |
| Assets per employee ($millions) | 6.7209% | 1,664 |
| Cash dividends to net income (ytd only)* | 53.0445% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 1,776 |
| Loan loss allowance to noncurrent loans | 176.4937% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.8975% | 1,282 |
| Noncurrent loans to loans | 0.7878% | 1,850 |
| Net loans and leases to total assets | 78.0949% | 821 |
| Net loans and leases to deposits | 87.0733% | 1,586 |
| Net loans and leases to core deposits | 90.7594% | 1,904 |
| Total domestic deposits to total assets | 89.6886% | 529 |
| Equity capital to assets | 8.6086% | 4,396 |
| Core capital (leverage) ratio | 8.5792% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5919% | 2,765 |
| Memoranda: | ||
| Average total assets | $557,787,000 | 1,404 |
| Average earning assets | $539,912,750 | 1,352 |
| Average equity | $51,138,750 | 1,650 |
| Average total loans | $468,568,000 | 1,192 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6389% | 1,566 |
| Cost of funding earning assets | 0.9344% | 1,219 |
| Net interest margin | 3.7046% | 2,142 |
| Noninterest income to average assets | 0.4668% | 2,730 |
| Noninterest expense to average assets | 1.9554% | 4,319 |
| Loan and lease loss provision to assets | 1.3337% | 110 |
| Net operating income to assets | 0.7550% | 3,203 |
| Return on assets (ROA) | 0.7513% | 3,325 |
| Pretax return on assets | 0.7550% | 3,727 |
| Return on Equity (ROE) | 8.0103% | 2,745 |
| Retained earnings to average equity (ytd only) | 1.9828% | 3,764 |
| Net charge-offs to loans | 1.2493% | 105 |
| Credit loss provision to net charge-offs | 124.3953% | 2,260 |
| Earnings coverage of net charge-offs (x) | 1.9516% | 2,814 |
| Efficiency ratio | 48.3068% | 4,609 |
| Assets per employee ($millions) | 6.5999% | 1,704 |
| Cash dividends to net income (ytd only)* | 75.2465% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 2,268 |
| Loan loss allowance to noncurrent loans | 294.8965% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.6500% | 1,873 |
| Noncurrent loans to loans | 0.4232% | 2,892 |
| Net loans and leases to total assets | 83.4453% | 298 |
| Net loans and leases to deposits | 93.2766% | 1,023 |
| Net loans and leases to core deposits | 97.7523% | 1,430 |
| Total domestic deposits to total assets | 89.4600% | 589 |
| Equity capital to assets | 8.7484% | 4,310 |
| Core capital (leverage) ratio | 9.1447% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9782% | 2,977 |
| Memoranda: | ||
| Average total assets | $539,847,333 | 1,417 |
| Average earning assets | $521,843,667 | 1,372 |
| Average equity | $50,634,667 | 1,651 |
| Average total loans | $463,301,333 | 1,187 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9466% | 1,070 |
| Cost of funding earning assets | 1.0596% | 1,182 |
| Net interest margin | 3.8870% | 1,710 |
| Noninterest income to average assets | 0.4351% | 2,881 |
| Noninterest expense to average assets | 1.9878% | 4,418 |
| Loan and lease loss provision to assets | 1.4248% | 113 |
| Net operating income to assets | 0.7639% | 3,040 |
| Return on assets (ROA) | 0.7555% | 3,151 |
| Pretax return on assets | 0.7632% | 3,513 |
| Return on Equity (ROE) | 7.7631% | 2,609 |
| Retained earnings to average equity (ytd only) | 7.7631% | 1,301 |
| Net charge-offs to loans | 2.0829% | 67 |
| Credit loss provision to net charge-offs | 79.0261% | 1,941 |
| Earnings coverage of net charge-offs (x) | 1.2183% | 2,408 |
| Efficiency ratio | 47.5060% | 4,782 |
| Assets per employee ($millions) | 5.6810% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,252 |
| Loan loss allowance to noncurrent loans | 94.0638% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.3722% | 829 |
| Noncurrent loans to loans | 1.1605% | 1,424 |
| Net loans and leases to total assets | 87.3295% | 82 |
| Net loans and leases to deposits | 99.2593% | 603 |
| Net loans and leases to core deposits | 105.3117% | 1,099 |
| Total domestic deposits to total assets | 87.9812% | 1,115 |
| Equity capital to assets | 9.9886% | 3,796 |
| Core capital (leverage) ratio | 9.9475% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8726% | 3,135 |
| Memoranda: | ||
| Average total assets | $519,376,000 | 1,419 |
| Average earning assets | $500,946,500 | 1,381 |
| Average equity | $50,547,000 | 1,650 |
| Average total loans | $449,568,500 | 1,187 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4820% | 578 |
| Cost of funding earning assets | 1.1278% | 1,232 |
| Net interest margin | 4.3542% | 978 |
| Noninterest income to average assets | 0.4231% | 3,157 |
| Noninterest expense to average assets | 2.0400% | 4,467 |
| Loan and lease loss provision to assets | 0.2975% | 568 |
| Net operating income to assets | 2.2749% | 193 |
| Return on assets (ROA) | 2.2749% | 206 |
| Pretax return on assets | 2.2782% | 324 |
| Return on Equity (ROE) | 24.1087% | 96 |
| Retained earnings to average equity (ytd only) | 13.1496% | 162 |
| Net charge-offs to loans | 0.0045% | 3,515 |
| Credit loss provision to net charge-offs | 7,375.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 638.6000% | 157 |
| Efficiency ratio | 44.1978% | 4,966 |
| Assets per employee ($millions) | 5.8607% | 1,746 |
| Cash dividends to net income (ytd only)* | 45.4570% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 2,375 |
| Loan loss allowance to noncurrent loans | 227.7848% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 1,482 |
| Noncurrent loans to loans | 0.5314% | 2,585 |
| Net loans and leases to total assets | 83.8511% | 332 |
| Net loans and leases to deposits | 94.8179% | 1,072 |
| Net loans and leases to core deposits | 103.1783% | 1,293 |
| Total domestic deposits to total assets | 88.4338% | 925 |
| Equity capital to assets | 9.4838% | 4,367 |
| Core capital (leverage) ratio | 9.6996% | 3,843 |
| Tier 1 risk-based capital ratio | 10.7921% | 4,930 |
| Total risk-based capital ratio | 11.9745% | 4,867 |
| Memoranda: | ||
| Average total assets | $495,880,400 | 1,437 |
| Average earning assets | $477,474,000 | 1,390 |
| Average equity | $46,792,200 | 1,696 |
| Average total loans | $444,086,200 | 1,172 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5561% | 529 |
| Cost of funding earning assets | 1.1230% | 1,265 |
| Net interest margin | 4.4331% | 879 |
| Noninterest income to average assets | 0.4208% | 3,201 |
| Noninterest expense to average assets | 2.0631% | 4,427 |
| Loan and lease loss provision to assets | 0.4030% | 326 |
| Net operating income to assets | 2.2161% | 268 |
| Return on assets (ROA) | 2.2161% | 277 |
| Pretax return on assets | 2.2205% | 437 |
| Return on Equity (ROE) | 23.5175% | 123 |
| Retained earnings to average equity (ytd only) | 12.4242% | 335 |
| Net charge-offs to loans | 0.0051% | 3,211 |
| Credit loss provision to net charge-offs | 8,676.4706% | 46 |
| Earnings coverage of net charge-offs (x) | 564.7265% | 174 |
| Efficiency ratio | 44.0215% | 5,012 |
| Assets per employee ($millions) | 5.7166% | 1,838 |
| Cash dividends to net income (ytd only)* | 47.1705% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 2,703 |
| Loan loss allowance to noncurrent loans | 220.2275% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.9134% | 1,486 |
| Noncurrent loans to loans | 0.5282% | 2,704 |
| Net loans and leases to total assets | 90.5505% | 37 |
| Net loans and leases to deposits | 103.7260% | 426 |
| Net loans and leases to core deposits | 113.4170% | 780 |
| Total domestic deposits to total assets | 87.2978% | 1,375 |
| Equity capital to assets | 9.4625% | 4,487 |
| Core capital (leverage) ratio | 9.4444% | 4,225 |
| Tier 1 risk-based capital ratio | 9.9602% | 5,195 |
| Total risk-based capital ratio | 11.0955% | 5,176 |
| Memoranda: | ||
| Average total assets | $487,985,500 | 1,462 |
| Average earning assets | $469,577,250 | 1,424 |
| Average equity | $45,984,500 | 1,722 |
| Average total loans | $443,182,750 | 1,180 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4539% | 614 |
| Cost of funding earning assets | 1.0907% | 1,336 |
| Net interest margin | 4.3632% | 1,011 |
| Noninterest income to average assets | 0.4124% | 3,190 |
| Noninterest expense to average assets | 2.0904% | 4,434 |
| Loan and lease loss provision to assets | 0.1975% | 874 |
| Net operating income to assets | 2.3108% | 210 |
| Return on assets (ROA) | 2.3108% | 222 |
| Pretax return on assets | 2.3174% | 346 |
| Return on Equity (ROE) | 24.5576% | 105 |
| Retained earnings to average equity (ytd only) | 12.5837% | 343 |
| Net charge-offs to loans | 0.0023% | 3,095 |
| Credit loss provision to net charge-offs | 9,500.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,209.8000% | 57 |
| Efficiency ratio | 45.3914% | 5,012 |
| Assets per employee ($millions) | 5.8206% | 1,674 |
| Cash dividends to net income (ytd only)* | 48.7585% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 3,804 |
| Loan loss allowance to noncurrent loans | 175.8128% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 1,488 |
| Noncurrent loans to loans | 0.5486% | 2,622 |
| Net loans and leases to total assets | 89.9111% | 56 |
| Net loans and leases to deposits | 107.4878% | 289 |
| Net loans and leases to core deposits | 117.7432% | 616 |
| Total domestic deposits to total assets | 83.6477% | 2,992 |
| Equity capital to assets | 9.2103% | 4,643 |
| Core capital (leverage) ratio | 9.5630% | 4,089 |
| Tier 1 risk-based capital ratio | 10.0536% | 5,218 |
| Total risk-based capital ratio | 11.0199% | 5,225 |
| Memoranda: | ||
| Average total assets | $481,055,000 | 1,484 |
| Average earning assets | $462,278,670 | 1,445 |
| Average equity | $45,265,000 | 1,742 |
| Average total loans | $435,536,330 | 1,194 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3909% | 645 |
| Cost of funding earning assets | 1.0354% | 1,428 |
| Net interest margin | 4.3555% | 996 |
| Noninterest income to average assets | 0.3945% | 3,215 |
| Noninterest expense to average assets | 2.1580% | 4,354 |
| Loan and lease loss provision to assets | 0.1494% | 1,129 |
| Net operating income to assets | 2.2622% | 238 |
| Return on assets (ROA) | 2.2622% | 248 |
| Pretax return on assets | 2.2759% | 377 |
| Return on Equity (ROE) | 23.7698% | 123 |
| Retained earnings to average equity (ytd only) | 19.2833% | 117 |
| Net charge-offs to loans | 0.0009% | 2,727 |
| Credit loss provision to net charge-offs | 17,500.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 2,840.0000% | 6 |
| Efficiency ratio | 47.0840% | 4,981 |
| Assets per employee ($millions) | 5.1074% | 2,390 |
| Cash dividends to net income (ytd only)* | 18.8750% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 3,899 |
| Loan loss allowance to noncurrent loans | 142.1016% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 1,371 |
| Noncurrent loans to loans | 0.6795% | 2,319 |
| Net loans and leases to total assets | 90.3232% | 44 |
| Net loans and leases to deposits | 107.9071% | 271 |
| Net loans and leases to core deposits | 114.5606% | 710 |
| Total domestic deposits to total assets | 83.7045% | 3,142 |
| Equity capital to assets | 9.7411% | 4,053 |
| Core capital (leverage) ratio | 9.8958% | 3,717 |
| Tier 1 risk-based capital ratio | 10.4993% | 5,176 |
| Total risk-based capital ratio | 11.4556% | 5,188 |
| Memoranda: | ||
| Average total assets | $468,388,000 | 1,528 |
| Average earning assets | $450,463,000 | 1,475 |
| Average equity | $44,577,500 | 1,754 |
| Average total loans | $423,437,500 | 1,227 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2385% | 653 |
| Cost of funding earning assets | 0.8332% | 1,370 |
| Net interest margin | 4.4054% | 923 |
| Noninterest income to average assets | 0.4478% | 3,116 |
| Noninterest expense to average assets | 2.1332% | 4,486 |
| Loan and lease loss provision to assets | 0.1936% | 980 |
| Net operating income to assets | 2.3644% | 186 |
| Return on assets (ROA) | 2.3644% | 182 |
| Pretax return on assets | 2.3653% | 259 |
| Return on Equity (ROE) | 25.6604% | 82 |
| Retained earnings to average equity (ytd only) | 13.0033% | 232 |
| Net charge-offs to loans | 0.0172% | 3,113 |
| Credit loss provision to net charge-offs | 1,250.0000% | 320 |
| Earnings coverage of net charge-offs (x) | 165.2059% | 523 |
| Efficiency ratio | 45.4634% | 5,133 |
| Assets per employee ($millions) | 5.4928% | 1,961 |
| Cash dividends to net income (ytd only)* | 49.3256% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 3,969 |
| Loan loss allowance to noncurrent loans | 700.3534% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.5273% | 2,484 |
| Noncurrent loans to loans | 0.1353% | 4,129 |
| Net loans and leases to total assets | 88.7483% | 90 |
| Net loans and leases to deposits | 101.6954% | 616 |
| Net loans and leases to core deposits | 107.9518% | 1,119 |
| Total domestic deposits to total assets | 87.2688% | 1,655 |
| Equity capital to assets | 9.2919% | 4,326 |
| Core capital (leverage) ratio | 9.5792% | 4,028 |
| Tier 1 risk-based capital ratio | 10.2629% | 5,249 |
| Total risk-based capital ratio | 11.2028% | 5,270 |
| Memoranda: | ||
| Average total assets | $439,020,400 | 1,565 |
| Average earning assets | $422,961,400 | 1,517 |
| Average equity | $40,451,400 | 1,839 |
| Average total loans | $395,539,000 | 1,269 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 666 |
| Cost of funding earning assets | 0.7779% | 1,434 |
| Net interest margin | 4.3935% | 908 |
| Noninterest income to average assets | 0.4604% | 3,096 |
| Noninterest expense to average assets | 2.0907% | 4,573 |
| Loan and lease loss provision to assets | 0.2160% | 775 |
| Net operating income to assets | 2.3910% | 188 |
| Return on assets (ROA) | 2.3910% | 188 |
| Pretax return on assets | 2.3922% | 284 |
| Return on Equity (ROE) | 26.0091% | 69 |
| Retained earnings to average equity (ytd only) | 11.3899% | 574 |
| Net charge-offs to loans | 0.0003% | 3,482 |
| Credit loss provision to net charge-offs | 70,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 8,472.9699% | 6 |
| Efficiency ratio | 44.4933% | 5,201 |
| Assets per employee ($millions) | 5.4195% | 1,999 |
| Cash dividends to net income (ytd only)* | 56.2080% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 4,083 |
| Loan loss allowance to noncurrent loans | 119.8209% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.7398% | 2,003 |
| Noncurrent loans to loans | 0.7849% | 2,137 |
| Net loans and leases to total assets | 89.7916% | 79 |
| Net loans and leases to deposits | 104.4102% | 526 |
| Net loans and leases to core deposits | 111.4848% | 942 |
| Total domestic deposits to total assets | 85.9988% | 2,192 |
| Equity capital to assets | 9.1018% | 4,457 |
| Core capital (leverage) ratio | 9.3338% | 4,359 |
| Tier 1 risk-based capital ratio | 9.9573% | 5,386 |
| Total risk-based capital ratio | 10.8904% | 5,401 |
| Memoranda: | ||
| Average total assets | $432,052,750 | 1,598 |
| Average earning assets | $416,820,000 | 1,544 |
| Average equity | $39,718,500 | 1,873 |
| Average total loans | $389,843,250 | 1,288 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0549% | 724 |
| Cost of funding earning assets | 0.7287% | 1,477 |
| Net interest margin | 4.3262% | 989 |
| Noninterest income to average assets | 0.4478% | 3,164 |
| Noninterest expense to average assets | 2.0880% | 4,634 |
| Loan and lease loss provision to assets | 0.2357% | 673 |
| Net operating income to assets | 2.2945% | 211 |
| Return on assets (ROA) | 2.2945% | 206 |
| Pretax return on assets | 2.2964% | 332 |
| Return on Equity (ROE) | 24.8708% | 91 |
| Retained earnings to average equity (ytd only) | 8.2664% | 1,509 |
| Net charge-offs to loans | 0.0031% | 3,068 |
| Credit loss provision to net charge-offs | 8,333.3333% | 50 |
| Earnings coverage of net charge-offs (x) | 895.3333% | 89 |
| Efficiency ratio | 45.1949% | 5,244 |
| Assets per employee ($millions) | 5.5735% | 1,822 |
| Cash dividends to net income (ytd only)* | 66.7625% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 4,298 |
| Loan loss allowance to noncurrent loans | 197.4221% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 2,939 |
| Noncurrent loans to loans | 0.4607% | 3,053 |
| Net loans and leases to total assets | 89.8292% | 74 |
| Net loans and leases to deposits | 104.3669% | 510 |
| Net loans and leases to core deposits | 111.8964% | 891 |
| Total domestic deposits to total assets | 86.0706% | 2,248 |
| Equity capital to assets | 8.9122% | 4,627 |
| Core capital (leverage) ratio | 9.0698% | 4,620 |
| Tier 1 risk-based capital ratio | 9.6119% | 5,485 |
| Total risk-based capital ratio | 10.5032% | 5,496 |
| Memoranda: | ||
| Average total assets | $424,323,330 | 1,626 |
| Average earning assets | $409,225,330 | 1,575 |
| Average equity | $39,146,330 | 1,897 |
| Average total loans | $382,241,330 | 1,307 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 952 |
| Cost of funding earning assets | 0.6041% | 2,031 |
| Net interest margin | 4.2561% | 1,031 |
| Noninterest income to average assets | 0.4343% | 3,208 |
| Noninterest expense to average assets | 2.1250% | 4,602 |
| Loan and lease loss provision to assets | 0.1451% | 1,283 |
| Net operating income to assets | 2.2624% | 215 |
| Return on assets (ROA) | 2.2624% | 215 |
| Pretax return on assets | 2.2663% | 340 |
| Return on Equity (ROE) | 24.0821% | 104 |
| Retained earnings to average equity (ytd only) | 13.7862% | 425 |
| Net charge-offs to loans | 0.0043% | 2,583 |
| Credit loss provision to net charge-offs | 3,750.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 623.2500% | 101 |
| Efficiency ratio | 46.8443% | 5,238 |
| Assets per employee ($millions) | 5.1776% | 2,273 |
| Cash dividends to net income (ytd only)* | 42.7533% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 4,570 |
| Loan loss allowance to noncurrent loans | 139.7145% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5990% | 2,520 |
| Noncurrent loans to loans | 0.6215% | 2,676 |
| Net loans and leases to total assets | 90.5944% | 50 |
| Net loans and leases to deposits | 105.8916% | 387 |
| Net loans and leases to core deposits | 120.2216% | 580 |
| Total domestic deposits to total assets | 85.5539% | 2,729 |
| Equity capital to assets | 9.4085% | 4,176 |
| Core capital (leverage) ratio | 9.7726% | 3,781 |
| Tier 1 risk-based capital ratio | 10.0469% | 5,493 |
| Total risk-based capital ratio | 10.8963% | 5,525 |
| Memoranda: | ||
| Average total assets | $413,543,500 | 1,671 |
| Average earning assets | $398,577,000 | 1,619 |
| Average equity | $38,850,500 | 1,922 |
| Average total loans | $371,257,500 | 1,340 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 1,311 |
| Cost of funding earning assets | 0.5220% | 2,160 |
| Net interest margin | 4.1266% | 1,356 |
| Noninterest income to average assets | 0.4677% | 3,209 |
| Noninterest expense to average assets | 2.2087% | 4,510 |
| Loan and lease loss provision to assets | 0.0635% | 2,957 |
| Net operating income to assets | 2.1708% | 201 |
| Return on assets (ROA) | 2.1708% | 202 |
| Pretax return on assets | 2.1718% | 331 |
| Return on Equity (ROE) | 23.2537% | 91 |
| Retained earnings to average equity (ytd only) | 6.1422% | 1,460 |
| Net charge-offs to loans | 0.0009% | 4,101 |
| Credit loss provision to net charge-offs | 8,333.3333% | 39 |
| Earnings coverage of net charge-offs (x) | 2,931.6667% | 19 |
| Efficiency ratio | 49.6997% | 5,235 |
| Assets per employee ($millions) | 5.0333% | 2,438 |
| Cash dividends to net income (ytd only)* | 73.5862% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 4,542 |
| Loan loss allowance to noncurrent loans | 148.7611% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 2,686 |
| Noncurrent loans to loans | 0.5954% | 2,739 |
| Net loans and leases to total assets | 87.3348% | 169 |
| Net loans and leases to deposits | 99.5287% | 770 |
| Net loans and leases to core deposits | 111.3789% | 931 |
| Total domestic deposits to total assets | 87.7483% | 1,629 |
| Equity capital to assets | 9.3802% | 4,355 |
| Core capital (leverage) ratio | 9.6551% | 3,861 |
| Tier 1 risk-based capital ratio | 10.6445% | 5,321 |
| Total risk-based capital ratio | 11.5353% | 5,375 |
| Memoranda: | ||
| Average total assets | $393,449,200 | 1,730 |
| Average earning assets | $379,128,200 | 1,674 |
| Average equity | $36,729,600 | 1,997 |
| Average total loans | $346,000,800 | 1,389 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 1,360 |
| Cost of funding earning assets | 0.5116% | 2,173 |
| Net interest margin | 4.0914% | 1,413 |
| Noninterest income to average assets | 0.4774% | 3,169 |
| Noninterest expense to average assets | 2.2088% | 4,506 |
| Loan and lease loss provision to assets | 0.0342% | 3,438 |
| Net operating income to assets | 2.1766% | 224 |
| Return on assets (ROA) | 2.1766% | 228 |
| Pretax return on assets | 2.1780% | 383 |
| Return on Equity (ROE) | 23.3457% | 98 |
| Retained earnings to average equity (ytd only) | 4.1556% | 3,433 |
| Net charge-offs to loans | 0.0012% | 3,743 |
| Credit loss provision to net charge-offs | 3,333.3333% | 137 |
| Earnings coverage of net charge-offs (x) | 2,156.2800% | 33 |
| Efficiency ratio | 49.9613% | 5,251 |
| Assets per employee ($millions) | 4.7599% | 2,746 |
| Cash dividends to net income (ytd only)* | 82.1996% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 4,724 |
| Loan loss allowance to noncurrent loans | 208.5282% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 3,393 |
| Noncurrent loans to loans | 0.4119% | 3,470 |
| Net loans and leases to total assets | 88.5814% | 130 |
| Net loans and leases to deposits | 103.0015% | 550 |
| Net loans and leases to core deposits | 113.4954% | 866 |
| Total domestic deposits to total assets | 86.0001% | 2,315 |
| Equity capital to assets | 9.4271% | 4,516 |
| Core capital (leverage) ratio | 9.5164% | 4,145 |
| Tier 1 risk-based capital ratio | 10.5736% | 5,426 |
| Total risk-based capital ratio | 11.4425% | 5,505 |
| Memoranda: | ||
| Average total assets | $389,886,500 | 1,764 |
| Average earning assets | $375,805,750 | 1,698 |
| Average equity | $36,351,250 | 2,018 |
| Average total loans | $342,689,500 | 1,406 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 1,440 |
| Cost of funding earning assets | 0.4898% | 2,252 |
| Net interest margin | 4.0392% | 1,488 |
| Noninterest income to average assets | 0.4442% | 3,393 |
| Noninterest expense to average assets | 2.2249% | 4,517 |
| Loan and lease loss provision to assets | 0.0515% | 2,954 |
| Net operating income to assets | 2.0580% | 273 |
| Return on assets (ROA) | 2.0580% | 282 |
| Pretax return on assets | 2.0600% | 482 |
| Return on Equity (ROE) | 22.1618% | 130 |
| Retained earnings to average equity (ytd only) | 1.3151% | 4,726 |
| Net charge-offs to loans | 0.0053% | 3,278 |
| Credit loss provision to net charge-offs | 1,111.1111% | 360 |
| Earnings coverage of net charge-offs (x) | 455.3333% | 183 |
| Efficiency ratio | 51.3070% | 5,220 |
| Assets per employee ($millions) | 4.8636% | 2,571 |
| Cash dividends to net income (ytd only)* | 94.0661% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 4,785 |
| Loan loss allowance to noncurrent loans | 202.5435% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4165% | 3,446 |
| Noncurrent loans to loans | 0.4251% | 3,494 |
| Net loans and leases to total assets | 87.3635% | 178 |
| Net loans and leases to deposits | 102.5848% | 571 |
| Net loans and leases to core deposits | 113.5393% | 820 |
| Total domestic deposits to total assets | 85.1622% | 2,749 |
| Equity capital to assets | 9.1233% | 4,779 |
| Core capital (leverage) ratio | 9.3275% | 4,331 |
| Tier 1 risk-based capital ratio | 10.2972% | 5,542 |
| Total risk-based capital ratio | 11.1626% | 5,610 |
| Memoranda: | ||
| Average total assets | $388,147,670 | 1,766 |
| Average earning assets | $374,033,670 | 1,708 |
| Average equity | $36,044,000 | 2,026 |
| Average total loans | $339,254,670 | 1,420 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4475% | 1,506 |
| Cost of funding earning assets | 0.4576% | 2,454 |
| Net interest margin | 3.9899% | 1,494 |
| Noninterest income to average assets | 0.4503% | 3,313 |
| Noninterest expense to average assets | 2.2977% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.0062% | 301 |
| Return on assets (ROA) | 2.0062% | 313 |
| Pretax return on assets | 2.0062% | 497 |
| Return on Equity (ROE) | 21.4086% | 174 |
| Retained earnings to average equity (ytd only) | -0.8920% | 5,047 |
| Net charge-offs to loans | 0.0036% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 640.0000% | 84 |
| Efficiency ratio | 53.3867% | 5,177 |
| Assets per employee ($millions) | 4.7322% | 2,791 |
| Cash dividends to net income (ytd only)* | 104.1667% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8744% | 4,847 |
| Loan loss allowance to noncurrent loans | 179.1081% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 3,298 |
| Noncurrent loans to loans | 0.4882% | 3,341 |
| Net loans and leases to total assets | 87.7936% | 115 |
| Net loans and leases to deposits | 98.9029% | 693 |
| Net loans and leases to core deposits | 108.4901% | 947 |
| Total domestic deposits to total assets | 88.7675% | 1,279 |
| Equity capital to assets | 9.4810% | 4,296 |
| Core capital (leverage) ratio | 9.3932% | 4,236 |
| Tier 1 risk-based capital ratio | 10.7150% | 5,452 |
| Total risk-based capital ratio | 11.5953% | 5,540 |
| Memoranda: | ||
| Average total assets | $382,815,000 | 1,805 |
| Average earning assets | $369,735,000 | 1,735 |
| Average equity | $35,873,500 | 2,038 |
| Average total loans | $333,160,500 | 1,446 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 1,668 |
| Cost of funding earning assets | 0.5031% | 2,067 |
| Net interest margin | 3.9524% | 1,781 |
| Noninterest income to average assets | 0.5286% | 3,039 |
| Noninterest expense to average assets | 2.1956% | 4,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.1442% | 249 |
| Return on assets (ROA) | 2.1445% | 254 |
| Pretax return on assets | 2.1456% | 363 |
| Return on Equity (ROE) | 22.8992% | 119 |
| Retained earnings to average equity (ytd only) | 4.4901% | 2,717 |
| Net charge-offs to loans | 0.0107% | 3,909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 235.8824% | 301 |
| Efficiency ratio | 50.5792% | 5,460 |
| Assets per employee ($millions) | 4.8994% | 2,505 |
| Cash dividends to net income (ytd only)* | 80.3917% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 4,830 |
| Loan loss allowance to noncurrent loans | 184.0125% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 3,424 |
| Noncurrent loans to loans | 0.4818% | 3,427 |
| Net loans and leases to total assets | 84.7656% | 319 |
| Net loans and leases to deposits | 94.5787% | 1,134 |
| Net loans and leases to core deposits | 107.9195% | 1,024 |
| Total domestic deposits to total assets | 89.6244% | 811 |
| Equity capital to assets | 9.2634% | 4,506 |
| Core capital (leverage) ratio | 9.2879% | 4,366 |
| Tier 1 risk-based capital ratio | 10.9609% | 5,360 |
| Total risk-based capital ratio | 11.8604% | 5,447 |
| Memoranda: | ||
| Average total assets | $373,842,800 | 1,790 |
| Average earning assets | $360,594,600 | 1,719 |
| Average equity | $35,010,000 | 2,072 |
| Average total loans | $318,810,000 | 1,453 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 1,728 |
| Cost of funding earning assets | 0.4985% | 2,117 |
| Net interest margin | 3.9416% | 1,848 |
| Noninterest income to average assets | 0.5286% | 3,053 |
| Noninterest expense to average assets | 2.2187% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.1097% | 290 |
| Return on assets (ROA) | 2.1097% | 300 |
| Pretax return on assets | 2.1111% | 454 |
| Return on Equity (ROE) | 22.4637% | 146 |
| Retained earnings to average equity (ytd only) | 1.1035% | 5,056 |
| Net charge-offs to loans | 0.0139% | 3,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 177.7834% | 405 |
| Efficiency ratio | 51.2424% | 5,428 |
| Assets per employee ($millions) | 4.5252% | 3,046 |
| Cash dividends to net income (ytd only)* | 95.0878% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 4,855 |
| Loan loss allowance to noncurrent loans | 144.8446% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.6550% | 2,942 |
| Noncurrent loans to loans | 0.6239% | 3,142 |
| Net loans and leases to total assets | 85.7231% | 270 |
| Net loans and leases to deposits | 96.5659% | 991 |
| Net loans and leases to core deposits | 107.8843% | 1,064 |
| Total domestic deposits to total assets | 88.7717% | 1,016 |
| Equity capital to assets | 9.3287% | 4,839 |
| Core capital (leverage) ratio | 9.1998% | 4,586 |
| Tier 1 risk-based capital ratio | 10.7301% | 5,508 |
| Total risk-based capital ratio | 11.6437% | 5,590 |
| Memoranda: | ||
| Average total assets | $370,540,750 | 1,810 |
| Average earning assets | $357,342,750 | 1,738 |
| Average equity | $34,799,000 | 2,099 |
| Average total loans | $315,757,250 | 1,469 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4076% | 1,807 |
| Cost of funding earning assets | 0.4992% | 2,107 |
| Net interest margin | 3.9084% | 1,951 |
| Noninterest income to average assets | 0.5151% | 3,096 |
| Noninterest expense to average assets | 2.1965% | 4,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0864% | 291 |
| Return on assets (ROA) | 2.0864% | 304 |
| Pretax return on assets | 2.0886% | 478 |
| Return on Equity (ROE) | 22.1663% | 152 |
| Retained earnings to average equity (ytd only) | 1.3134% | 4,862 |
| Net charge-offs to loans | -0.0256% | 5,054 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2590% | 5,487 |
| Assets per employee ($millions) | 4.6601% | 2,782 |
| Cash dividends to net income (ytd only)* | 94.0748% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 4,798 |
| Loan loss allowance to noncurrent loans | 822.1311% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 4,639 |
| Noncurrent loans to loans | 0.1146% | 4,988 |
| Net loans and leases to total assets | 84.8946% | 343 |
| Net loans and leases to deposits | 95.6580% | 1,114 |
| Net loans and leases to core deposits | 107.2647% | 1,073 |
| Total domestic deposits to total assets | 88.7480% | 1,044 |
| Equity capital to assets | 9.3850% | 4,879 |
| Core capital (leverage) ratio | 9.4053% | 4,328 |
| Tier 1 risk-based capital ratio | 10.8793% | 5,493 |
| Total risk-based capital ratio | 11.8303% | 5,552 |
| Memoranda: | ||
| Average total assets | $368,856,330 | 1,817 |
| Average earning assets | $355,793,670 | 1,746 |
| Average equity | $34,719,330 | 2,104 |
| Average total loans | $312,707,330 | 1,478 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 1,937 |
| Cost of funding earning assets | 0.5064% | 2,056 |
| Net interest margin | 3.8533% | 2,086 |
| Noninterest income to average assets | 0.5582% | 2,755 |
| Noninterest expense to average assets | 2.2143% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0562% | 301 |
| Return on assets (ROA) | 2.0562% | 312 |
| Pretax return on assets | 2.0606% | 503 |
| Return on Equity (ROE) | 21.8129% | 161 |
| Retained earnings to average equity (ytd only) | -1.3185% | 5,314 |
| Net charge-offs to loans | 0.0013% | 3,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1,890.0000% | 18 |
| Efficiency ratio | 51.7980% | 5,526 |
| Assets per employee ($millions) | 4.6135% | 2,871 |
| Cash dividends to net income (ytd only)* | 106.0445% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 4,820 |
| Loan loss allowance to noncurrent loans | 1,313.2743% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 4,946 |
| Noncurrent loans to loans | 0.0727% | 5,188 |
| Net loans and leases to total assets | 84.4434% | 332 |
| Net loans and leases to deposits | 95.2627% | 1,015 |
| Net loans and leases to core deposits | 105.3332% | 1,120 |
| Total domestic deposits to total assets | 88.6427% | 1,284 |
| Equity capital to assets | 9.4856% | 4,680 |
| Core capital (leverage) ratio | 9.4054% | 4,340 |
| Tier 1 risk-based capital ratio | 11.1766% | 5,408 |
| Total risk-based capital ratio | 12.1499% | 5,462 |
| Memoranda: | ||
| Average total assets | $366,881,500 | 1,829 |
| Average earning assets | $353,879,500 | 1,761 |
| Average equity | $34,585,000 | 2,111 |
| Average total loans | $309,310,500 | 1,485 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 1,412 |
| Cost of funding earning assets | 0.5636% | 1,647 |
| Net interest margin | 4.0058% | 1,695 |
| Noninterest income to average assets | 0.5352% | 3,107 |
| Noninterest expense to average assets | 2.1984% | 5,048 |
| Loan and lease loss provision to assets | 0.0283% | 3,803 |
| Net operating income to assets | 2.1638% | 263 |
| Return on assets (ROA) | 2.1638% | 269 |
| Pretax return on assets | 2.1652% | 372 |
| Return on Equity (ROE) | 22.6091% | 149 |
| Retained earnings to average equity (ytd only) | 4.8792% | 2,509 |
| Net charge-offs to loans | 0.0052% | 4,267 |
| Credit loss provision to net charge-offs | 625.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 484.1250% | 136 |
| Efficiency ratio | 50.0548% | 5,759 |
| Assets per employee ($millions) | 4.6746% | 2,768 |
| Cash dividends to net income (ytd only)* | 78.4191% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 4,793 |
| Loan loss allowance to noncurrent loans | 294.8361% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.3821% | 4,065 |
| Noncurrent loans to loans | 0.3271% | 4,289 |
| Net loans and leases to total assets | 82.5667% | 539 |
| Net loans and leases to deposits | 93.0671% | 1,302 |
| Net loans and leases to core deposits | 103.3215% | 1,278 |
| Total domestic deposits to total assets | 88.7174% | 1,276 |
| Equity capital to assets | 9.3687% | 4,709 |
| Core capital (leverage) ratio | 9.3890% | 4,339 |
| Tier 1 risk-based capital ratio | 11.4114% | 5,307 |
| Total risk-based capital ratio | 12.4022% | 5,346 |
| Memoranda: | ||
| Average total assets | $353,124,000 | 1,851 |
| Average earning assets | $339,978,200 | 1,781 |
| Average equity | $33,796,200 | 2,107 |
| Average total loans | $309,217,800 | 1,435 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5998% | 1,328 |
| Cost of funding earning assets | 0.5633% | 1,685 |
| Net interest margin | 4.0365% | 1,592 |
| Noninterest income to average assets | 0.4992% | 3,368 |
| Noninterest expense to average assets | 2.2248% | 4,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.1561% | 278 |
| Return on assets (ROA) | 2.1561% | 293 |
| Pretax return on assets | 2.1580% | 454 |
| Return on Equity (ROE) | 22.4031% | 182 |
| Retained earnings to average equity (ytd only) | 2.7106% | 4,491 |
| Net charge-offs to loans | 0.0073% | 3,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 332.2960% | 224 |
| Efficiency ratio | 50.7625% | 5,738 |
| Assets per employee ($millions) | 5.0219% | 2,276 |
| Cash dividends to net income (ytd only)* | 87.9007% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 5,159 |
| Loan loss allowance to noncurrent loans | 622.1258% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 4,752 |
| Noncurrent loans to loans | 0.1467% | 5,055 |
| Net loans and leases to total assets | 86.1142% | 225 |
| Net loans and leases to deposits | 97.6167% | 846 |
| Net loans and leases to core deposits | 107.4820% | 1,004 |
| Total domestic deposits to total assets | 88.2166% | 1,444 |
| Equity capital to assets | 9.3120% | 4,992 |
| Core capital (leverage) ratio | 9.3195% | 4,559 |
| Tier 1 risk-based capital ratio | 10.9037% | 5,705 |
| Total risk-based capital ratio | 11.8447% | 5,769 |
| Memoranda: | ||
| Average total assets | $349,081,750 | 1,887 |
| Average earning assets | $335,864,000 | 1,822 |
| Average equity | $33,595,750 | 2,123 |
| Average total loans | $309,551,750 | 1,435 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 1,313 |
| Cost of funding earning assets | 0.5714% | 1,634 |
| Net interest margin | 4.0151% | 1,598 |
| Noninterest income to average assets | 0.4604% | 3,626 |
| Noninterest expense to average assets | 2.1872% | 5,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1327% | 294 |
| Return on assets (ROA) | 2.1327% | 309 |
| Pretax return on assets | 2.1356% | 465 |
| Return on Equity (ROE) | 21.9118% | 198 |
| Retained earnings to average equity (ytd only) | 6.7141% | 1,836 |
| Net charge-offs to loans | -0.0078% | 4,861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5969% | 5,823 |
| Assets per employee ($millions) | 4.8673% | 2,439 |
| Cash dividends to net income (ytd only)* | 69.3583% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 5,213 |
| Loan loss allowance to noncurrent loans | 240.0166% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 4,062 |
| Noncurrent loans to loans | 0.3839% | 4,332 |
| Net loans and leases to total assets | 90.1509% | 61 |
| Net loans and leases to deposits | 102.8694% | 508 |
| Net loans and leases to core deposits | 111.3872% | 766 |
| Total domestic deposits to total assets | 87.6363% | 1,825 |
| Equity capital to assets | 9.8496% | 4,221 |
| Core capital (leverage) ratio | 9.6944% | 4,010 |
| Tier 1 risk-based capital ratio | 11.0516% | 5,688 |
| Total risk-based capital ratio | 12.0023% | 5,761 |
| Memoranda: | ||
| Average total assets | $344,916,670 | 1,918 |
| Average earning assets | $331,801,000 | 1,855 |
| Average equity | $33,571,000 | 2,132 |
| Average total loans | $307,990,000 | 1,443 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5113% | 1,426 |
| Cost of funding earning assets | 0.5731% | 1,631 |
| Net interest margin | 3.9382% | 1,757 |
| Noninterest income to average assets | 0.4597% | 3,574 |
| Noninterest expense to average assets | 2.1997% | 5,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0430% | 316 |
| Return on assets (ROA) | 2.0430% | 331 |
| Pretax return on assets | 2.0488% | 542 |
| Return on Equity (ROE) | 21.1174% | 224 |
| Retained earnings to average equity (ytd only) | 9.1189% | 1,155 |
| Net charge-offs to loans | 0.0105% | 2,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 220.6250% | 261 |
| Efficiency ratio | 51.7760% | 5,819 |
| Assets per employee ($millions) | 4.5028% | 3,052 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 5,293 |
| Loan loss allowance to noncurrent loans | 541.8079% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 4,801 |
| Noncurrent loans to loans | 0.1735% | 5,152 |
| Net loans and leases to total assets | 87.4227% | 132 |
| Net loans and leases to deposits | 99.5792% | 586 |
| Net loans and leases to core deposits | 106.3231% | 915 |
| Total domestic deposits to total assets | 87.7922% | 1,938 |
| Equity capital to assets | 9.7328% | 4,457 |
| Core capital (leverage) ratio | 9.7563% | 3,943 |
| Tier 1 risk-based capital ratio | 11.1621% | 5,729 |
| Total risk-based capital ratio | 12.1262% | 5,789 |
| Memoranda: | ||
| Average total assets | $344,587,000 | 1,928 |
| Average earning assets | $331,523,000 | 1,854 |
| Average equity | $33,337,500 | 2,158 |
| Average total loans | $304,766,500 | 1,456 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6389% | 1,447 |
| Cost of funding earning assets | 0.6372% | 1,496 |
| Net interest margin | 4.0017% | 1,894 |
| Noninterest income to average assets | 0.4794% | 3,653 |
| Noninterest expense to average assets | 2.1515% | 5,456 |
| Loan and lease loss provision to assets | 0.0291% | 4,024 |
| Net operating income to assets | 2.1407% | 250 |
| Return on assets (ROA) | 2.1407% | 256 |
| Pretax return on assets | 2.1413% | 370 |
| Return on Equity (ROE) | 22.3617% | 164 |
| Retained earnings to average equity (ytd only) | 3.1016% | 4,033 |
| Net charge-offs to loans | 0.0236% | 4,366 |
| Credit loss provision to net charge-offs | 140.8451% | 1,685 |
| Earnings coverage of net charge-offs (x) | 105.0141% | 501 |
| Efficiency ratio | 49.7811% | 6,104 |
| Assets per employee ($millions) | 4.4475% | 3,126 |
| Cash dividends to net income (ytd only)* | 86.1300% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 5,290 |
| Loan loss allowance to noncurrent loans | 1,144.8413% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 5,000 |
| Noncurrent loans to loans | 0.0830% | 5,552 |
| Net loans and leases to total assets | 87.7954% | 122 |
| Net loans and leases to deposits | 99.9428% | 627 |
| Net loans and leases to core deposits | 107.8433% | 902 |
| Total domestic deposits to total assets | 87.8456% | 1,850 |
| Equity capital to assets | 9.6157% | 4,569 |
| Core capital (leverage) ratio | 9.4504% | 4,307 |
| Tier 1 risk-based capital ratio | 10.9307% | 5,935 |
| Total risk-based capital ratio | 11.8996% | 5,983 |
| Memoranda: | ||
| Average total assets | $343,524,600 | 1,896 |
| Average earning assets | $329,863,800 | 1,820 |
| Average equity | $32,886,600 | 2,116 |
| Average total loans | $300,412,000 | 1,425 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 1,617 |
| Cost of funding earning assets | 0.6468% | 1,478 |
| Net interest margin | 3.9326% | 2,106 |
| Noninterest income to average assets | 0.4991% | 3,552 |
| Noninterest expense to average assets | 2.1435% | 5,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.1303% | 269 |
| Return on assets (ROA) | 2.1303% | 279 |
| Pretax return on assets | 2.1311% | 425 |
| Return on Equity (ROE) | 22.2773% | 178 |
| Retained earnings to average equity (ytd only) | 8.5938% | 1,126 |
| Net charge-offs to loans | 0.0129% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 189.4616% | 338 |
| Efficiency ratio | 50.1452% | 6,093 |
| Assets per employee ($millions) | 4.3779% | 3,164 |
| Cash dividends to net income (ytd only)* | 61.4235% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 5,543 |
| Loan loss allowance to noncurrent loans | 450.8772% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 4,587 |
| Noncurrent loans to loans | 0.2039% | 5,288 |
| Net loans and leases to total assets | 88.0752% | 111 |
| Net loans and leases to deposits | 101.9758% | 504 |
| Net loans and leases to core deposits | 110.3952% | 730 |
| Total domestic deposits to total assets | 86.3687% | 2,662 |
| Equity capital to assets | 9.8375% | 4,381 |
| Core capital (leverage) ratio | 9.8355% | 3,896 |
| Tier 1 risk-based capital ratio | 11.1411% | 5,938 |
| Total risk-based capital ratio | 12.0772% | 6,024 |
| Memoranda: | ||
| Average total assets | $343,790,500 | 1,900 |
| Average earning assets | $330,049,750 | 1,831 |
| Average equity | $32,875,750 | 2,122 |
| Average total loans | $299,627,500 | 1,432 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5352% | 1,714 |
| Cost of funding earning assets | 0.6596% | 1,435 |
| Net interest margin | 3.8757% | 2,275 |
| Noninterest income to average assets | 0.4640% | 3,759 |
| Noninterest expense to average assets | 2.1306% | 5,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0554% | 301 |
| Return on assets (ROA) | 2.0554% | 317 |
| Pretax return on assets | 2.0565% | 481 |
| Return on Equity (ROE) | 21.7029% | 210 |
| Retained earnings to average equity (ytd only) | 5.9274% | 2,364 |
| Net charge-offs to loans | 0.0101% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 235.2000% | 290 |
| Efficiency ratio | 50.8840% | 6,131 |
| Assets per employee ($millions) | 4.3387% | 3,197 |
| Cash dividends to net income (ytd only)* | 72.6886% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 5,609 |
| Loan loss allowance to noncurrent loans | 425.9370% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 4,543 |
| Noncurrent loans to loans | 0.2200% | 5,349 |
| Net loans and leases to total assets | 86.5124% | 153 |
| Net loans and leases to deposits | 98.2010% | 651 |
| Net loans and leases to core deposits | 107.3260% | 809 |
| Total domestic deposits to total assets | 88.0972% | 1,850 |
| Equity capital to assets | 9.4706% | 4,778 |
| Core capital (leverage) ratio | 9.6100% | 4,162 |
| Tier 1 risk-based capital ratio | 10.8558% | 6,110 |
| Total risk-based capital ratio | 11.8051% | 6,173 |
| Memoranda: | ||
| Average total assets | $343,103,670 | 1,904 |
| Average earning assets | $329,596,000 | 1,827 |
| Average equity | $32,493,330 | 2,135 |
| Average total loans | $297,024,670 | 1,445 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 1,868 |
| Cost of funding earning assets | 0.6641% | 1,483 |
| Net interest margin | 3.8171% | 2,396 |
| Noninterest income to average assets | 0.4761% | 3,590 |
| Noninterest expense to average assets | 2.1143% | 5,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0263% | 326 |
| Return on assets (ROA) | 2.0263% | 339 |
| Pretax return on assets | 2.0287% | 503 |
| Return on Equity (ROE) | 21.3967% | 227 |
| Retained earnings to average equity (ytd only) | 12.1100% | 590 |
| Net charge-offs to loans | 0.0122% | 3,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 192.2222% | 252 |
| Efficiency ratio | 51.0331% | 6,189 |
| Assets per employee ($millions) | 4.3388% | 3,268 |
| Cash dividends to net income (ytd only)* | 43.4028% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 5,642 |
| Loan loss allowance to noncurrent loans | 376.5873% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 4,336 |
| Noncurrent loans to loans | 0.2571% | 5,335 |
| Net loans and leases to total assets | 86.0294% | 141 |
| Net loans and leases to deposits | 98.1996% | 526 |
| Net loans and leases to core deposits | 106.4617% | 740 |
| Total domestic deposits to total assets | 87.6067% | 2,457 |
| Equity capital to assets | 9.6979% | 4,226 |
| Core capital (leverage) ratio | 9.6123% | 4,114 |
| Tier 1 risk-based capital ratio | 11.1391% | 6,104 |
| Total risk-based capital ratio | 12.1147% | 6,160 |
| Memoranda: | ||
| Average total assets | $341,107,500 | 1,925 |
| Average earning assets | $327,679,500 | 1,836 |
| Average equity | $32,304,000 | 2,136 |
| Average total loans | $293,976,000 | 1,460 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8317% | 1,252 |
| Cost of funding earning assets | 0.7732% | 1,356 |
| Net interest margin | 4.0585% | 1,774 |
| Noninterest income to average assets | 1.1964% | 986 |
| Noninterest expense to average assets | 2.3578% | 5,207 |
| Loan and lease loss provision to assets | 0.0891% | 3,331 |
| Net operating income to assets | 2.6308% | 149 |
| Return on assets (ROA) | 2.6308% | 153 |
| Pretax return on assets | 2.6323% | 174 |
| Return on Equity (ROE) | 28.1531% | 87 |
| Retained earnings to average equity (ytd only) | 6.0439% | 1,941 |
| Net charge-offs to loans | 0.0554% | 4,458 |
| Credit loss provision to net charge-offs | 186.3354% | 1,223 |
| Earnings coverage of net charge-offs (x) | 56.8944% | 718 |
| Efficiency ratio | 46.4202% | 6,538 |
| Assets per employee ($millions) | 4.2443% | 3,367 |
| Cash dividends to net income (ytd only)* | 78.5319% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 5,694 |
| Loan loss allowance to noncurrent loans | 408.5837% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 4,417 |
| Noncurrent loans to loans | 0.2378% | 5,469 |
| Net loans and leases to total assets | 84.6749% | 212 |
| Net loans and leases to deposits | 95.9457% | 738 |
| Net loans and leases to core deposits | 101.1913% | 1,077 |
| Total domestic deposits to total assets | 88.2530% | 2,026 |
| Equity capital to assets | 9.2463% | 4,752 |
| Core capital (leverage) ratio | 9.2491% | 4,638 |
| Tier 1 risk-based capital ratio | 10.7874% | 6,268 |
| Total risk-based capital ratio | 11.7646% | 6,321 |
| Memoranda: | ||
| Average total assets | $336,587,600 | 1,907 |
| Average earning assets | $322,018,000 | 1,847 |
| Average equity | $31,453,000 | 2,157 |
| Average total loans | $290,370,800 | 1,464 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 1,101 |
| Cost of funding earning assets | 0.7870% | 1,398 |
| Net interest margin | 4.1241% | 1,554 |
| Noninterest income to average assets | 0.5807% | 3,267 |
| Noninterest expense to average assets | 2.2708% | 5,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.2481% | 237 |
| Return on assets (ROA) | 2.2481% | 244 |
| Pretax return on assets | 2.2501% | 349 |
| Return on Equity (ROE) | 23.9932% | 142 |
| Retained earnings to average equity (ytd only) | 12.7128% | 366 |
| Net charge-offs to loans | 0.0594% | 4,056 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 43.7974% | 948 |
| Efficiency ratio | 50.2290% | 6,383 |
| Assets per employee ($millions) | 4.1572% | 3,510 |
| Cash dividends to net income (ytd only)* | 47.0151% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 6,161 |
| Loan loss allowance to noncurrent loans | 251.9961% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.7846% | 4,143 |
| Noncurrent loans to loans | 0.3407% | 5,365 |
| Net loans and leases to total assets | 88.7463% | 65 |
| Net loans and leases to deposits | 101.2808% | 417 |
| Net loans and leases to core deposits | 107.0237% | 703 |
| Total domestic deposits to total assets | 87.6241% | 2,346 |
| Equity capital to assets | 9.7775% | 4,213 |
| Core capital (leverage) ratio | 9.7466% | 4,035 |
| Tier 1 risk-based capital ratio | 10.8941% | 6,326 |
| Total risk-based capital ratio | 11.7585% | 6,421 |
| Memoranda: | ||
| Average total assets | $334,787,000 | 1,928 |
| Average earning assets | $319,869,250 | 1,871 |
| Average equity | $31,369,250 | 2,185 |
| Average total loans | $289,473,500 | 1,468 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 1,120 |
| Cost of funding earning assets | 0.8005% | 1,410 |
| Net interest margin | 4.0889% | 1,572 |
| Noninterest income to average assets | 0.6075% | 3,146 |
| Noninterest expense to average assets | 2.2811% | 5,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.2278% | 245 |
| Return on assets (ROA) | 2.2278% | 262 |
| Pretax return on assets | 2.2308% | 395 |
| Return on Equity (ROE) | 24.1289% | 138 |
| Retained earnings to average equity (ytd only) | 10.9753% | 648 |
| Net charge-offs to loans | 0.0876% | 3,489 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 29.8160% | 1,152 |
| Efficiency ratio | 50.5572% | 6,386 |
| Assets per employee ($millions) | 4.1654% | 3,438 |
| Cash dividends to net income (ytd only)* | 54.5137% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8804% | 6,188 |
| Loan loss allowance to noncurrent loans | 467.0270% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 4,188 |
| Noncurrent loans to loans | 0.1885% | 5,846 |
| Net loans and leases to total assets | 86.4931% | 133 |
| Net loans and leases to deposits | 98.1614% | 532 |
| Net loans and leases to core deposits | 103.7349% | 853 |
| Total domestic deposits to total assets | 88.1131% | 2,166 |
| Equity capital to assets | 9.3712% | 4,754 |
| Core capital (leverage) ratio | 9.4137% | 4,367 |
| Tier 1 risk-based capital ratio | 10.6199% | 6,469 |
| Total risk-based capital ratio | 11.4988% | 6,550 |
| Memoranda: | ||
| Average total assets | $334,138,000 | 1,940 |
| Average earning assets | $319,055,330 | 1,874 |
| Average equity | $30,851,000 | 2,233 |
| Average total loans | $285,489,000 | 1,485 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8691% | 1,158 |
| Cost of funding earning assets | 0.7993% | 1,532 |
| Net interest margin | 4.0697% | 1,561 |
| Noninterest income to average assets | 0.5474% | 3,460 |
| Noninterest expense to average assets | 2.2111% | 5,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2135% | 237 |
| Return on assets (ROA) | 2.2135% | 261 |
| Pretax return on assets | 2.2195% | 399 |
| Return on Equity (ROE) | 24.1569% | 137 |
| Retained earnings to average equity (ytd only) | 12.0784% | 691 |
| Net charge-offs to loans | 0.1495% | 2,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 17.5714% | 1,307 |
| Efficiency ratio | 49.9050% | 6,506 |
| Assets per employee ($millions) | 4.2060% | 3,524 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 6,190 |
| Loan loss allowance to noncurrent loans | 597.7117% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.9501% | 4,025 |
| Noncurrent loans to loans | 0.1552% | 6,006 |
| Net loans and leases to total assets | 82.9189% | 240 |
| Net loans and leases to deposits | 93.8551% | 676 |
| Net loans and leases to core deposits | 98.9236% | 1,011 |
| Total domestic deposits to total assets | 88.3478% | 2,103 |
| Equity capital to assets | 9.1923% | 5,264 |
| Core capital (leverage) ratio | 9.2938% | 4,410 |
| Tier 1 risk-based capital ratio | 10.6911% | 6,527 |
| Total risk-based capital ratio | 11.6053% | 6,604 |
| Memoranda: | ||
| Average total assets | $332,508,500 | 1,976 |
| Average earning assets | $317,268,500 | 1,912 |
| Average equity | $30,467,500 | 2,270 |
| Average total loans | $281,025,000 | 1,514 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2838% | 953 |
| Cost of funding earning assets | 0.9230% | 1,801 |
| Net interest margin | 4.3608% | 1,250 |
| Noninterest income to average assets | 0.5451% | 3,611 |
| Noninterest expense to average assets | 2.3520% | 5,557 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.2601% | 226 |
| Return on assets (ROA) | 2.2601% | 247 |
| Pretax return on assets | 2.2617% | 359 |
| Return on Equity (ROE) | 25.2177% | 120 |
| Retained earnings to average equity (ytd only) | 13.1646% | 244 |
| Net charge-offs to loans | 0.0083% | 5,830 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 321.9545% | 124 |
| Efficiency ratio | 50.9793% | 6,525 |
| Assets per employee ($millions) | 4.0066% | 3,933 |
| Cash dividends to net income (ytd only)* | 47.7960% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 6,066 |
| Loan loss allowance to noncurrent loans | 483.4520% | 843 |
| Noncurrent assets plus other real estate owned to assets | 1.0084% | 4,020 |
| Noncurrent loans to loans | 0.2004% | 5,967 |
| Net loans and leases to total assets | 84.5309% | 192 |
| Net loans and leases to deposits | 95.7242% | 634 |
| Net loans and leases to core deposits | 100.5984% | 989 |
| Total domestic deposits to total assets | 88.3067% | 2,027 |
| Equity capital to assets | 9.1329% | 5,358 |
| Core capital (leverage) ratio | 9.2738% | 4,461 |
| Tier 1 risk-based capital ratio | 10.4206% | 6,578 |
| Total risk-based capital ratio | 11.3763% | 6,638 |
| Memoranda: | ||
| Average total assets | $313,175,600 | 2,049 |
| Average earning assets | $292,197,000 | 2,020 |
| Average equity | $28,067,600 | 2,390 |
| Average total loans | $265,711,600 | 1,561 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3309% | 956 |
| Cost of funding earning assets | 0.9543% | 1,829 |
| Net interest margin | 4.3766% | 1,255 |
| Noninterest income to average assets | 0.5267% | 3,758 |
| Noninterest expense to average assets | 2.3400% | 5,572 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.2448% | 263 |
| Return on assets (ROA) | 2.2448% | 291 |
| Pretax return on assets | 2.2469% | 444 |
| Return on Equity (ROE) | 25.1741% | 139 |
| Retained earnings to average equity (ytd only) | 12.4614% | 454 |
| Net charge-offs to loans | 0.0061% | 5,660 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 434.4056% | 103 |
| Efficiency ratio | 51.0148% | 6,517 |
| Assets per employee ($millions) | 3.8481% | 4,200 |
| Cash dividends to net income (ytd only)* | 50.4992% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 6,119 |
| Loan loss allowance to noncurrent loans | 544.3114% | 704 |
| Noncurrent assets plus other real estate owned to assets | 1.0924% | 4,111 |
| Noncurrent loans to loans | 0.1820% | 6,153 |
| Net loans and leases to total assets | 86.3859% | 135 |
| Net loans and leases to deposits | 97.9450% | 550 |
| Net loans and leases to core deposits | 102.7615% | 945 |
| Total domestic deposits to total assets | 88.1984% | 1,921 |
| Equity capital to assets | 9.1655% | 5,634 |
| Core capital (leverage) ratio | 9.2198% | 4,723 |
| Tier 1 risk-based capital ratio | 10.3758% | 6,708 |
| Total risk-based capital ratio | 11.3683% | 6,747 |
| Memoranda: | ||
| Average total assets | $309,334,750 | 2,104 |
| Average earning assets | $286,972,500 | 2,086 |
| Average equity | $27,583,250 | 2,450 |
| Average total loans | $262,031,000 | 1,592 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3440% | 969 |
| Cost of funding earning assets | 0.9832% | 1,863 |
| Net interest margin | 4.3608% | 1,306 |
| Noninterest income to average assets | 0.4901% | 3,983 |
| Noninterest expense to average assets | 2.3511% | 5,617 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1486% | 306 |
| Return on assets (ROA) | 2.1486% | 344 |
| Pretax return on assets | 2.1519% | 521 |
| Return on Equity (ROE) | 24.3281% | 168 |
| Retained earnings to average equity (ytd only) | 9.4703% | 1,125 |
| Net charge-offs to loans | 0.0008% | 5,505 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3,306.0000% | 4 |
| Efficiency ratio | 52.2116% | 6,485 |
| Assets per employee ($millions) | 3.9778% | 3,924 |
| Cash dividends to net income (ytd only)* | 61.0724% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 6,088 |
| Loan loss allowance to noncurrent loans | 490.6810% | 734 |
| Noncurrent assets plus other real estate owned to assets | 1.2518% | 3,916 |
| Noncurrent loans to loans | 0.2070% | 6,165 |
| Net loans and leases to total assets | 85.9846% | 138 |
| Net loans and leases to deposits | 97.1870% | 564 |
| Net loans and leases to core deposits | 104.6946% | 808 |
| Total domestic deposits to total assets | 88.4733% | 1,835 |
| Equity capital to assets | 8.8912% | 5,817 |
| Core capital (leverage) ratio | 8.8743% | 5,084 |
| Tier 1 risk-based capital ratio | 10.0910% | 6,803 |
| Total risk-based capital ratio | 11.1062% | 6,852 |
| Memoranda: | ||
| Average total assets | $307,266,000 | 2,111 |
| Average earning assets | $282,748,000 | 2,108 |
| Average equity | $27,137,330 | 2,467 |
| Average total loans | $257,604,670 | 1,616 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3391% | 1,027 |
| Cost of funding earning assets | 1.0112% | 1,912 |
| Net interest margin | 4.3279% | 1,385 |
| Noninterest income to average assets | 0.4382% | 4,392 |
| Noninterest expense to average assets | 2.3024% | 5,762 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0486% | 383 |
| Return on assets (ROA) | 2.0486% | 445 |
| Pretax return on assets | 2.0552% | 682 |
| Return on Equity (ROE) | 23.2754% | 234 |
| Retained earnings to average equity (ytd only) | 15.8439% | 378 |
| Net charge-offs to loans | -0.0079% | 5,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8370% | 6,458 |
| Assets per employee ($millions) | 4.1563% | 3,677 |
| Cash dividends to net income (ytd only)* | 31.9285% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 5,959 |
| Loan loss allowance to noncurrent loans | 400.5839% | 847 |
| Noncurrent assets plus other real estate owned to assets | 1.3233% | 3,901 |
| Noncurrent loans to loans | 0.2703% | 6,142 |
| Net loans and leases to total assets | 80.4057% | 372 |
| Net loans and leases to deposits | 90.9155% | 881 |
| Net loans and leases to core deposits | 96.3930% | 1,265 |
| Total domestic deposits to total assets | 88.4401% | 2,043 |
| Equity capital to assets | 8.8020% | 5,749 |
| Core capital (leverage) ratio | 8.9366% | 4,933 |
| Tier 1 risk-based capital ratio | 10.5646% | 6,716 |
| Total risk-based capital ratio | 11.6384% | 6,766 |
| Memoranda: | ||
| Average total assets | $305,763,000 | 2,124 |
| Average earning assets | $276,901,000 | 2,150 |
| Average equity | $26,912,500 | 2,481 |
| Average total loans | $251,645,000 | 1,648 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7428% | 713 |
| Cost of funding earning assets | 1.1865% | 2,115 |
| Net interest margin | 4.5563% | 1,011 |
| Noninterest income to average assets | 0.5340% | 3,624 |
| Noninterest expense to average assets | 2.5954% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.1981% | 227 |
| Return on assets (ROA) | 2.2010% | 238 |
| Pretax return on assets | 2.2028% | 368 |
| Return on Equity (ROE) | 24.1480% | 133 |
| Retained earnings to average equity (ytd only) | 4.5192% | 2,956 |
| Net charge-offs to loans | 0.0595% | 5,711 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 42.9510% | 636 |
| Efficiency ratio | 54.1231% | 6,499 |
| Assets per employee ($millions) | 3.8935% | 4,091 |
| Cash dividends to net income (ytd only)* | 81.2856% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 5,829 |
| Loan loss allowance to noncurrent loans | 370.6360% | 901 |
| Noncurrent assets plus other real estate owned to assets | 1.4436% | 3,822 |
| Noncurrent loans to loans | 0.2957% | 6,133 |
| Net loans and leases to total assets | 82.4421% | 312 |
| Net loans and leases to deposits | 93.2015% | 870 |
| Net loans and leases to core deposits | 102.0647% | 1,023 |
| Total domestic deposits to total assets | 88.4557% | 1,876 |
| Equity capital to assets | 8.8015% | 5,794 |
| Core capital (leverage) ratio | 8.8816% | 4,973 |
| Tier 1 risk-based capital ratio | 10.3079% | 6,765 |
| Total risk-based capital ratio | 11.3967% | 6,801 |
| Memoranda: | ||
| Average total assets | $279,191,200 | 2,274 |
| Average earning assets | $261,111,200 | 2,229 |
| Average equity | $25,447,200 | 2,532 |
| Average total loans | $240,486,600 | 1,744 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9349% | 526 |
| Cost of funding earning assets | 1.2416% | 2,050 |
| Net interest margin | 4.6933% | 774 |
| Noninterest income to average assets | 0.5600% | 3,448 |
| Noninterest expense to average assets | 2.6862% | 4,783 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.2595% | 228 |
| Return on assets (ROA) | 2.2634% | 245 |
| Pretax return on assets | 2.2658% | 383 |
| Return on Equity (ROE) | 24.6012% | 142 |
| Retained earnings to average equity (ytd only) | 5.8013% | 2,673 |
| Net charge-offs to loans | 0.0812% | 5,162 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 32.0618% | 892 |
| Efficiency ratio | 54.2871% | 6,456 |
| Assets per employee ($millions) | 3.6522% | 4,633 |
| Cash dividends to net income (ytd only)* | 76.4187% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 5,746 |
| Loan loss allowance to noncurrent loans | 397.8198% | 815 |
| Noncurrent assets plus other real estate owned to assets | 1.8496% | 3,332 |
| Noncurrent loans to loans | 0.2855% | 6,284 |
| Net loans and leases to total assets | 83.6212% | 243 |
| Net loans and leases to deposits | 95.0783% | 753 |
| Net loans and leases to core deposits | 100.6983% | 1,187 |
| Total domestic deposits to total assets | 87.9499% | 2,059 |
| Equity capital to assets | 9.2274% | 5,470 |
| Core capital (leverage) ratio | 9.2551% | 4,537 |
| Tier 1 risk-based capital ratio | 10.6593% | 6,717 |
| Total risk-based capital ratio | 11.7867% | 6,748 |
| Memoranda: | ||
| Average total assets | $274,038,500 | 2,326 |
| Average earning assets | $256,218,250 | 2,277 |
| Average equity | $25,212,250 | 2,547 |
| Average total loans | $238,132,750 | 1,769 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0004% | 481 |
| Cost of funding earning assets | 1.2655% | 2,147 |
| Net interest margin | 4.7349% | 679 |
| Noninterest income to average assets | 0.5791% | 3,277 |
| Noninterest expense to average assets | 2.7371% | 4,668 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.2683% | 233 |
| Return on assets (ROA) | 2.2742% | 244 |
| Pretax return on assets | 2.2779% | 363 |
| Return on Equity (ROE) | 24.7442% | 147 |
| Retained earnings to average equity (ytd only) | -0.2816% | 5,901 |
| Net charge-offs to loans | 0.1164% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 22.2609% | 1,122 |
| Efficiency ratio | 54.6434% | 6,554 |
| Assets per employee ($millions) | 3.7040% | 4,434 |
| Cash dividends to net income (ytd only)* | 101.1382% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 5,852 |
| Loan loss allowance to noncurrent loans | 207.2508% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 1.8895% | 3,380 |
| Noncurrent loans to loans | 0.5426% | 5,831 |
| Net loans and leases to total assets | 86.8553% | 114 |
| Net loans and leases to deposits | 99.1726% | 529 |
| Net loans and leases to core deposits | 105.4747% | 959 |
| Total domestic deposits to total assets | 87.5799% | 2,424 |
| Equity capital to assets | 9.0223% | 5,551 |
| Core capital (leverage) ratio | 9.0834% | 4,600 |
| Tier 1 risk-based capital ratio | 10.2497% | 6,895 |
| Total risk-based capital ratio | 11.3863% | 6,927 |
| Memoranda: | ||
| Average total assets | $270,428,330 | 2,362 |
| Average earning assets | $253,015,330 | 2,305 |
| Average equity | $24,854,330 | 2,574 |
| Average total loans | $237,194,330 | 1,799 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9681% | 502 |
| Cost of funding earning assets | 1.2842% | 2,278 |
| Net interest margin | 4.6839% | 735 |
| Noninterest income to average assets | 0.5413% | 3,569 |
| Noninterest expense to average assets | 2.7967% | 4,455 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.1399% | 287 |
| Return on assets (ROA) | 2.1399% | 296 |
| Pretax return on assets | 2.1474% | 435 |
| Return on Equity (ROE) | 23.0631% | 208 |
| Retained earnings to average equity (ytd only) | -3.8465% | 6,396 |
| Net charge-offs to loans | 0.0958% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 25.5714% | 959 |
| Efficiency ratio | 56.5666% | 6,437 |
| Assets per employee ($millions) | 3.6058% | 4,746 |
| Cash dividends to net income (ytd only)* | 116.6783% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 5,594 |
| Loan loss allowance to noncurrent loans | 374.8011% | 832 |
| Noncurrent assets plus other real estate owned to assets | 1.8744% | 3,463 |
| Noncurrent loans to loans | 0.3223% | 6,345 |
| Net loans and leases to total assets | 85.4577% | 158 |
| Net loans and leases to deposits | 97.4104% | 602 |
| Net loans and leases to core deposits | 102.8939% | 1,138 |
| Total domestic deposits to total assets | 87.7295% | 2,536 |
| Equity capital to assets | 9.1134% | 5,022 |
| Core capital (leverage) ratio | 9.2521% | 4,209 |
| Tier 1 risk-based capital ratio | 10.4323% | 6,842 |
| Total risk-based capital ratio | 11.5842% | 6,876 |
| Memoranda: | ||
| Average total assets | $266,742,500 | 2,413 |
| Average earning assets | $250,733,500 | 2,337 |
| Average equity | $24,749,500 | 2,568 |
| Average total loans | $233,777,500 | 1,845 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1760% | 601 |
| Cost of funding earning assets | 1.5962% | 2,093 |
| Net interest margin | 4.5798% | 1,050 |
| Noninterest income to average assets | 0.5349% | 3,923 |
| Noninterest expense to average assets | 2.7700% | 4,708 |
| Loan and lease loss provision to assets | 0.2659% | 4,671 |
| Net operating income to assets | 1.7702% | 450 |
| Return on assets (ROA) | 1.7702% | 490 |
| Pretax return on assets | 1.7702% | 809 |
| Return on Equity (ROE) | 18.4116% | 351 |
| Retained earnings to average equity (ytd only) | 2.1555% | 4,382 |
| Net charge-offs to loans | 0.2297% | 4,905 |
| Credit loss provision to net charge-offs | 127.3408% | 3,159 |
| Earnings coverage of net charge-offs (x) | 9.7509% | 1,788 |
| Efficiency ratio | 57.6357% | 6,380 |
| Assets per employee ($millions) | 3.6034% | 4,698 |
| Cash dividends to net income (ytd only)* | 88.2925% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 5,355 |
| Loan loss allowance to noncurrent loans | 180.3504% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 2.2631% | 3,010 |
| Noncurrent loans to loans | 0.6840% | 5,677 |
| Net loans and leases to total assets | 87.7170% | 108 |
| Net loans and leases to deposits | 100.2198% | 562 |
| Net loans and leases to core deposits | 107.1232% | 1,116 |
| Total domestic deposits to total assets | 87.5247% | 2,532 |
| Equity capital to assets | 9.4481% | 4,470 |
| Core capital (leverage) ratio | 9.4466% | 3,774 |
| Tier 1 risk-based capital ratio | 10.6114% | 6,627 |
| Total risk-based capital ratio | 11.8297% | 6,619 |
| Memoranda: | ||
| Average total assets | $255,738,800 | 2,493 |
| Average earning assets | $238,504,200 | 2,443 |
| Average equity | $24,587,800 | 2,597 |
| Average total loans | $232,461,600 | 1,881 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2142% | 601 |
| Cost of funding earning assets | 1.6234% | 2,259 |
| Net interest margin | 4.5908% | 1,064 |
| Noninterest income to average assets | 0.5388% | 3,873 |
| Noninterest expense to average assets | 2.7316% | 4,749 |
| Loan and lease loss provision to assets | 0.3019% | 4,158 |
| Net operating income to assets | 1.7775% | 536 |
| Return on assets (ROA) | 1.7775% | 584 |
| Pretax return on assets | 1.7775% | 965 |
| Return on Equity (ROE) | 18.4052% | 445 |
| Retained earnings to average equity (ytd only) | 3.5016% | 3,992 |
| Net charge-offs to loans | 0.1797% | 4,877 |
| Credit loss provision to net charge-offs | 183.7061% | 1,976 |
| Earnings coverage of net charge-offs (x) | 12.6518% | 1,665 |
| Efficiency ratio | 56.7780% | 6,444 |
| Assets per employee ($millions) | 3.0734% | 5,980 |
| Cash dividends to net income (ytd only)* | 80.9750% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 5,040 |
| Loan loss allowance to noncurrent loans | 180.6024% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 2.3317% | 3,049 |
| Noncurrent loans to loans | 0.7117% | 5,787 |
| Net loans and leases to total assets | 90.2628% | 52 |
| Net loans and leases to deposits | 105.0889% | 397 |
| Net loans and leases to core deposits | 112.3047% | 919 |
| Total domestic deposits to total assets | 85.8919% | 3,132 |
| Equity capital to assets | 9.8423% | 4,358 |
| Core capital (leverage) ratio | 9.7536% | 3,547 |
| Tier 1 risk-based capital ratio | 10.7008% | 6,634 |
| Total risk-based capital ratio | 11.9512% | 6,621 |
| Memoranda: | ||
| Average total assets | $253,911,750 | 2,546 |
| Average earning assets | $236,292,000 | 2,503 |
| Average equity | $24,521,500 | 2,649 |
| Average total loans | $232,172,250 | 1,907 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1989% | 623 |
| Cost of funding earning assets | 1.6731% | 2,273 |
| Net interest margin | 4.5258% | 1,153 |
| Noninterest income to average assets | 0.4702% | 4,354 |
| Noninterest expense to average assets | 2.7675% | 4,631 |
| Loan and lease loss provision to assets | 0.4339% | 3,143 |
| Net operating income to assets | 1.4792% | 947 |
| Return on assets (ROA) | 1.4792% | 1,008 |
| Pretax return on assets | 1.4792% | 1,618 |
| Return on Equity (ROE) | 15.4154% | 779 |
| Retained earnings to average equity (ytd only) | -1.9567% | 6,140 |
| Net charge-offs to loans | 0.2683% | 4,000 |
| Credit loss provision to net charge-offs | 176.8489% | 2,217 |
| Earnings coverage of net charge-offs (x) | 7.7974% | 2,234 |
| Efficiency ratio | 59.1269% | 6,193 |
| Assets per employee ($millions) | 4.0606% | 3,651 |
| Cash dividends to net income (ytd only)* | 112.6933% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 5,084 |
| Loan loss allowance to noncurrent loans | 76.3016% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 3.2996% | 2,137 |
| Noncurrent loans to loans | 1.6639% | 4,199 |
| Net loans and leases to total assets | 90.4357% | 63 |
| Net loans and leases to deposits | 106.0669% | 394 |
| Net loans and leases to core deposits | 113.5248% | 941 |
| Total domestic deposits to total assets | 85.2629% | 3,484 |
| Equity capital to assets | 9.4439% | 4,794 |
| Core capital (leverage) ratio | 9.4589% | 3,882 |
| Tier 1 risk-based capital ratio | 10.2018% | 6,915 |
| Total risk-based capital ratio | 11.4521% | 6,883 |
| Memoranda: | ||
| Average total assets | $253,517,670 | 2,567 |
| Average earning assets | $235,849,670 | 2,535 |
| Average equity | $24,326,330 | 2,661 |
| Average total loans | $231,812,000 | 1,927 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1844% | 660 |
| Cost of funding earning assets | 1.7085% | 2,349 |
| Net interest margin | 4.4759% | 1,197 |
| Noninterest income to average assets | 0.5421% | 3,708 |
| Noninterest expense to average assets | 2.8229% | 4,396 |
| Loan and lease loss provision to assets | 0.8717% | 1,465 |
| Net operating income to assets | 1.0081% | 2,148 |
| Return on assets (ROA) | 1.0081% | 2,210 |
| Pretax return on assets | 1.0081% | 3,060 |
| Return on Equity (ROE) | 10.4220% | 1,976 |
| Retained earnings to average equity (ytd only) | -0.2950% | 5,898 |
| Net charge-offs to loans | 0.5864% | 2,341 |
| Credit loss provision to net charge-offs | 162.7219% | 2,225 |
| Earnings coverage of net charge-offs (x) | 3.5089% | 2,888 |
| Efficiency ratio | 60.0270% | 6,167 |
| Assets per employee ($millions) | 3.9966% | 3,881 |
| Cash dividends to net income (ytd only)* | 102.8302% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 4,978 |
| Loan loss allowance to noncurrent loans | 53.5416% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 4.0848% | 1,676 |
| Noncurrent loans to loans | 2.4123% | 3,266 |
| Net loans and leases to total assets | 89.4800% | 84 |
| Net loans and leases to deposits | 105.8268% | 431 |
| Net loans and leases to core deposits | 112.3759% | 1,139 |
| Total domestic deposits to total assets | 84.5532% | 3,871 |
| Equity capital to assets | 9.6768% | 4,263 |
| Core capital (leverage) ratio | 9.6379% | 3,588 |
| Tier 1 risk-based capital ratio | 10.4876% | 6,641 |
| Total risk-based capital ratio | 11.7380% | 6,635 |
| Memoranda: | ||
| Average total assets | $252,368,000 | 2,630 |
| Average earning assets | $234,588,500 | 2,598 |
| Average equity | $24,410,000 | 2,681 |
| Average total loans | $230,555,500 | 1,996 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0668% | 1,612 |
| Cost of funding earning assets | 1.8959% | 3,483 |
| Net interest margin | 4.1709% | 2,176 |
| Noninterest income to average assets | 0.5372% | 4,126 |
| Noninterest expense to average assets | 2.7766% | 5,069 |
| Loan and lease loss provision to assets | 0.6551% | 3,192 |
| Net operating income to assets | 1.0249% | 1,764 |
| Return on assets (ROA) | 1.0249% | 1,806 |
| Pretax return on assets | 1.0105% | 2,556 |
| Return on Equity (ROE) | 10.5002% | 1,552 |
| Retained earnings to average equity (ytd only) | 1.4892% | 4,023 |
| Net charge-offs to loans | 0.5647% | 3,529 |
| Credit loss provision to net charge-offs | 124.3201% | 4,225 |
| Earnings coverage of net charge-offs (x) | 3.1608% | 3,480 |
| Efficiency ratio | 62.5035% | 6,056 |
| Assets per employee ($millions) | 3.7754% | 4,337 |
| Cash dividends to net income (ytd only)* | 85.8170% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 5,502 |
| Loan loss allowance to noncurrent loans | 25.8357% | 6,750 |
| Noncurrent assets plus other real estate owned to assets | 5.2014% | 1,153 |
| Noncurrent loans to loans | 4.5477% | 1,555 |
| Net loans and leases to total assets | 90.9780% | 62 |
| Net loans and leases to deposits | 107.5802% | 478 |
| Net loans and leases to core deposits | 122.0806% | 1,774 |
| Total domestic deposits to total assets | 84.5676% | 3,769 |
| Equity capital to assets | 9.6680% | 4,189 |
| Core capital (leverage) ratio | 9.6970% | 3,455 |
| Tier 1 risk-based capital ratio | 10.5346% | 6,358 |
| Total risk-based capital ratio | 11.7232% | 6,394 |
| Memoranda: | ||
| Average total assets | $244,223,800 | 2,671 |
| Average earning assets | $228,654,200 | 2,609 |
| Average equity | $23,837,600 | 2,747 |
| Average total loans | $227,900,600 | 2,041 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0558% | 1,812 |
| Cost of funding earning assets | 1.9343% | 3,689 |
| Net interest margin | 4.1216% | 2,314 |
| Noninterest income to average assets | 0.4781% | 4,685 |
| Noninterest expense to average assets | 2.8501% | 4,668 |
| Loan and lease loss provision to assets | 0.5784% | 3,074 |
| Net operating income to assets | 0.9365% | 2,281 |
| Return on assets (ROA) | 0.9365% | 2,347 |
| Pretax return on assets | 0.9172% | 3,174 |
| Return on Equity (ROE) | 9.5705% | 2,073 |
| Retained earnings to average equity (ytd only) | 0.0113% | 5,199 |
| Net charge-offs to loans | 0.6471% | 2,744 |
| Credit loss provision to net charge-offs | 95.4545% | 5,326 |
| Earnings coverage of net charge-offs (x) | 2.4682% | 3,997 |
| Efficiency ratio | 65.5850% | 5,445 |
| Assets per employee ($millions) | 3.6580% | 4,524 |
| Cash dividends to net income (ytd only)* | 99.8822% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 6,085 |
| Loan loss allowance to noncurrent loans | 37.0608% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 3.9043% | 1,646 |
| Noncurrent loans to loans | 2.7927% | 2,720 |
| Net loans and leases to total assets | 92.5794% | 43 |
| Net loans and leases to deposits | 110.1649% | 460 |
| Net loans and leases to core deposits | 126.8207% | 1,673 |
| Total domestic deposits to total assets | 84.0371% | 3,707 |
| Equity capital to assets | 9.8443% | 4,291 |
| Core capital (leverage) ratio | 9.7425% | 3,582 |
| Tier 1 risk-based capital ratio | 10.5213% | 6,446 |
| Total risk-based capital ratio | 11.5661% | 6,608 |
| Memoranda: | ||
| Average total assets | $242,042,500 | 2,712 |
| Average earning assets | $227,125,250 | 2,640 |
| Average equity | $23,683,250 | 2,790 |
| Average total loans | $226,659,750 | 2,077 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0786% | 1,858 |
| Cost of funding earning assets | 1.9428% | 4,045 |
| Net interest margin | 4.1358% | 2,211 |
| Noninterest income to average assets | 0.4049% | 5,243 |
| Noninterest expense to average assets | 2.8603% | 4,684 |
| Loan and lease loss provision to assets | 0.7468% | 2,195 |
| Net operating income to assets | 0.7095% | 3,209 |
| Return on assets (ROA) | 0.7095% | 3,312 |
| Pretax return on assets | 0.6804% | 4,067 |
| Return on Equity (ROE) | 7.2657% | 3,084 |
| Retained earnings to average equity (ytd only) | -4.3084% | 6,189 |
| Net charge-offs to loans | 0.6998% | 2,301 |
| Credit loss provision to net charge-offs | 113.9241% | 4,070 |
| Earnings coverage of net charge-offs (x) | 2.1772% | 3,983 |
| Efficiency ratio | 66.7118% | 5,416 |
| Assets per employee ($millions) | 3.7845% | 4,136 |
| Cash dividends to net income (ytd only)* | 159.2982% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 5,464 |
| Loan loss allowance to noncurrent loans | 57.8839% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 2.8525% | 2,247 |
| Noncurrent loans to loans | 1.9330% | 3,624 |
| Net loans and leases to total assets | 92.4190% | 46 |
| Net loans and leases to deposits | 109.8188% | 557 |
| Net loans and leases to core deposits | 120.5039% | 2,323 |
| Total domestic deposits to total assets | 84.1559% | 3,670 |
| Equity capital to assets | 9.7234% | 4,315 |
| Core capital (leverage) ratio | 9.5823% | 3,778 |
| Tier 1 risk-based capital ratio | 10.4409% | 6,434 |
| Total risk-based capital ratio | 11.5716% | 6,509 |
| Memoranda: | ||
| Average total assets | $241,027,670 | 2,741 |
| Average earning assets | $226,268,000 | 2,676 |
| Average equity | $23,535,330 | 2,807 |
| Average total loans | $225,788,670 | 2,117 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0290% | 2,241 |
| Cost of funding earning assets | 1.9324% | 4,475 |
| Net interest margin | 4.0966% | 2,286 |
| Noninterest income to average assets | 0.2645% | 6,335 |
| Noninterest expense to average assets | 2.8465% | 4,357 |
| Loan and lease loss provision to assets | 0.8318% | 1,561 |
| Net operating income to assets | 0.4958% | 4,439 |
| Return on assets (ROA) | 0.4958% | 4,627 |
| Pretax return on assets | 0.4375% | 5,282 |
| Return on Equity (ROE) | 5.0664% | 4,450 |
| Retained earnings to average equity (ytd only) | -13.2611% | 7,342 |
| Net charge-offs to loans | 0.7237% | 1,741 |
| Credit loss provision to net charge-offs | 122.5490% | 3,224 |
| Earnings coverage of net charge-offs (x) | 1.8701% | 3,794 |
| Efficiency ratio | 69.1593% | 4,746 |
| Assets per employee ($millions) | 3.7021% | 4,335 |
| Cash dividends to net income (ytd only)* | 361.7450% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 5,417 |
| Loan loss allowance to noncurrent loans | 71.2868% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 2.5163% | 2,282 |
| Noncurrent loans to loans | 1.5530% | 3,951 |
| Net loans and leases to total assets | 93.3600% | 40 |
| Net loans and leases to deposits | 114.0484% | 446 |
| Net loans and leases to core deposits | 123.4896% | 2,114 |
| Total domestic deposits to total assets | 81.8600% | 4,608 |
| Equity capital to assets | 9.6129% | 4,507 |
| Core capital (leverage) ratio | 9.6719% | 3,788 |
| Tier 1 risk-based capital ratio | 10.2064% | 6,711 |
| Total risk-based capital ratio | 11.3169% | 6,756 |
| Memoranda: | ||
| Average total assets | $240,436,500 | 2,762 |
| Average earning assets | $226,040,500 | 2,695 |
| Average equity | $23,527,500 | 2,818 |
| Average total loans | $225,492,500 | 2,136 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0375% | 1,037 |
| Cost of funding earning assets | 2.6505% | 3,427 |
| Net interest margin | 4.3871% | 1,727 |
| Noninterest income to average assets | 0.6930% | 3,165 |
| Noninterest expense to average assets | 2.8100% | 4,780 |
| Loan and lease loss provision to assets | 0.8299% | 1,796 |
| Net operating income to assets | 1.0634% | 2,291 |
| Return on assets (ROA) | 1.0634% | 2,200 |
| Pretax return on assets | 1.0936% | 3,048 |
| Return on Equity (ROE) | 11.3609% | 1,804 |
| Retained earnings to average equity (ytd only) | 0.8133% | 4,736 |
| Net charge-offs to loans | 1.0757% | 1,135 |
| Credit loss provision to net charge-offs | 84.2629% | 5,800 |
| Earnings coverage of net charge-offs (x) | 1.9530% | 5,089 |
| Efficiency ratio | 58.9903% | 6,527 |
| Assets per employee ($millions) | 3.6960% | 4,185 |
| Cash dividends to net income (ytd only)* | 92.8413% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 5,397 |
| Loan loss allowance to noncurrent loans | 78.4650% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 2.4089% | 2,016 |
| Noncurrent loans to loans | 1.3797% | 3,760 |
| Net loans and leases to total assets | 92.1545% | 79 |
| Net loans and leases to deposits | 112.0842% | 700 |
| Net loans and leases to core deposits | 121.3554% | 2,569 |
| Total domestic deposits to total assets | 82.2190% | 4,113 |
| Equity capital to assets | 9.9580% | 4,087 |
| Core capital (leverage) ratio | 9.9900% | 3,456 |
| Tier 1 risk-based capital ratio | 10.6315% | 6,064 |
| Total risk-based capital ratio | 11.7096% | 6,127 |
| Memoranda: | ||
| Average total assets | $254,838,000 | 2,510 |
| Average earning assets | $234,713,200 | 2,509 |
| Average equity | $23,853,800 | 2,748 |
| Average total loans | $233,326,200 | 2,026 |