Home > Hearthside Bank Corporation > Performance and Condition Ratios
Hearthside Bank Corporation, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9788% | 2,112 |
| Cost of funding earning assets | 1.4951% | 1,956 |
| Net interest margin | 3.4837% | 2,223 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 3.0837% | 986 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.6256% | 3,372 |
| Return on assets (ROA) | 0.6321% | 3,333 |
| Pretax return on assets | 0.7661% | 3,298 |
| Return on Equity (ROE) | 7.2000% | 3,228 |
| Retained earnings to average equity (ytd only) | 3.0239% | 3,266 |
| Net charge-offs to loans | 0.1496% | 688 |
| Credit loss provision to net charge-offs | 83.2423% | 2,000 |
| Earnings coverage of net charge-offs (x) | 7.7377% | 2,386 |
| Efficiency ratio | 78.3541% | 1,039 |
| Assets per employee ($millions) | 5.1333% | 3,534 |
| Cash dividends to net income (ytd only)* | 57.9949% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 1,965 |
| Loan loss allowance to noncurrent loans | 2,436.3636% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 1,239 |
| Noncurrent loans to loans | 0.0517% | 3,352 |
| Net loans and leases to total assets | 73.6700% | 1,403 |
| Net loans and leases to deposits | 83.7891% | 1,799 |
| Net loans and leases to core deposits | 94.0428% | 1,771 |
| Total domestic deposits to total assets | 87.9200% | 1,385 |
| Equity capital to assets | 8.9058% | 2,740 |
| Core capital (leverage) ratio | 10.6135% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4222% | 1,412 |
| Memoranda: | ||
| Average total assets | $498,659,600 | 1,728 |
| Average earning assets | $463,046,000 | 1,724 |
| Average equity | $43,785,000 | 1,766 |
| Average total loans | $367,081,200 | 1,556 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8992% | 2,061 |
| Cost of funding earning assets | 1.3375% | 2,041 |
| Net interest margin | 3.5617% | 2,081 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 3.1170% | 908 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.6744% | 3,378 |
| Return on assets (ROA) | 0.6793% | 3,357 |
| Pretax return on assets | 0.8188% | 3,291 |
| Return on Equity (ROE) | 7.7700% | 3,243 |
| Retained earnings to average equity (ytd only) | 2.9005% | 3,534 |
| Net charge-offs to loans | 0.1942% | 453 |
| Credit loss provision to net charge-offs | 64.8393% | 1,834 |
| Earnings coverage of net charge-offs (x) | 6.3724% | 2,297 |
| Efficiency ratio | 77.4409% | 1,053 |
| Assets per employee ($millions) | 5.0387% | 3,577 |
| Cash dividends to net income (ytd only)* | 62.6487% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,053 |
| Loan loss allowance to noncurrent loans | 795.1261% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 1,068 |
| Noncurrent loans to loans | 0.1584% | 2,759 |
| Net loans and leases to total assets | 74.3300% | 1,303 |
| Net loans and leases to deposits | 83.4875% | 1,778 |
| Net loans and leases to core deposits | 93.2817% | 1,713 |
| Total domestic deposits to total assets | 89.0300% | 1,237 |
| Equity capital to assets | 8.2562% | 2,881 |
| Core capital (leverage) ratio | 10.7328% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4286% | 1,442 |
| Memoranda: | ||
| Average total assets | $494,992,000 | 1,742 |
| Average earning assets | $459,650,750 | 1,736 |
| Average equity | $43,302,250 | 1,770 |
| Average total loans | $363,105,000 | 1,563 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 2,088 |
| Cost of funding earning assets | 1.1823% | 2,042 |
| Net interest margin | 3.5757% | 2,086 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 3.1387% | 857 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.6704% | 3,406 |
| Return on assets (ROA) | 0.6781% | 3,393 |
| Pretax return on assets | 0.8155% | 3,369 |
| Return on Equity (ROE) | 7.6100% | 3,340 |
| Retained earnings to average equity (ytd only) | 2.5859% | 3,581 |
| Net charge-offs to loans | 0.2897% | 292 |
| Credit loss provision to net charge-offs | 43.8462% | 1,696 |
| Earnings coverage of net charge-offs (x) | 4.2654% | 2,225 |
| Efficiency ratio | 77.7443% | 1,018 |
| Assets per employee ($millions) | 4.7796% | 3,765 |
| Cash dividends to net income (ytd only)* | 66.0096% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 2,035 |
| Loan loss allowance to noncurrent loans | 345.0746% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 758 |
| Noncurrent loans to loans | 0.3697% | 1,817 |
| Net loans and leases to total assets | 72.6800% | 1,452 |
| Net loans and leases to deposits | 81.4089% | 1,878 |
| Net loans and leases to core deposits | 90.0194% | 1,793 |
| Total domestic deposits to total assets | 89.2800% | 1,146 |
| Equity capital to assets | 8.9203% | 2,572 |
| Core capital (leverage) ratio | 10.8074% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1150% | 1,295 |
| Memoranda: | ||
| Average total assets | $493,710,667 | 1,740 |
| Average earning assets | $458,597,333 | 1,740 |
| Average equity | $44,008,000 | 1,752 |
| Average total loans | $358,965,333 | 1,565 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6296% | 2,009 |
| Cost of funding earning assets | 1.0373% | 1,925 |
| Net interest margin | 3.5923% | 2,150 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 3.1561% | 854 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.6298% | 3,633 |
| Return on assets (ROA) | 0.6351% | 3,576 |
| Pretax return on assets | 0.7759% | 3,521 |
| Return on Equity (ROE) | 7.1300% | 3,485 |
| Retained earnings to average equity (ytd only) | 1.8613% | 3,724 |
| Net charge-offs to loans | 0.4177% | 192 |
| Credit loss provision to net charge-offs | 31.0992% | 1,350 |
| Earnings coverage of net charge-offs (x) | 2.8606% | 1,914 |
| Efficiency ratio | 78.5225% | 953 |
| Assets per employee ($millions) | 5.0243% | 3,645 |
| Cash dividends to net income (ytd only)* | 73.8854% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 2,060 |
| Loan loss allowance to noncurrent loans | 239.7838% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 594 |
| Noncurrent loans to loans | 0.5395% | 1,372 |
| Net loans and leases to total assets | 72.2000% | 1,402 |
| Net loans and leases to deposits | 82.5443% | 1,614 |
| Net loans and leases to core deposits | 89.7233% | 1,632 |
| Total domestic deposits to total assets | 87.4600% | 2,108 |
| Equity capital to assets | 9.0710% | 2,459 |
| Core capital (leverage) ratio | 10.7048% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1844% | 1,332 |
| Memoranda: | ||
| Average total assets | $494,415,000 | 1,756 |
| Average earning assets | $459,649,000 | 1,746 |
| Average equity | $44,054,500 | 1,765 |
| Average total loans | $357,231,000 | 1,585 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 1,315 |
| Cost of funding earning assets | 0.3032% | 2,848 |
| Net interest margin | 3.8655% | 1,040 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.9398% | 1,066 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.0398% | 2,420 |
| Return on assets (ROA) | 1.0314% | 2,391 |
| Pretax return on assets | 1.2860% | 2,136 |
| Return on Equity (ROE) | 10.9400% | 2,493 |
| Retained earnings to average equity (ytd only) | 8.0672% | 1,804 |
| Net charge-offs to loans | 0.0113% | 1,957 |
| Credit loss provision to net charge-offs | 1,240.5405% | 373 |
| Earnings coverage of net charge-offs (x) | 179.1892% | 701 |
| Efficiency ratio | 67.8499% | 1,982 |
| Assets per employee ($millions) | 5.1713% | 3,533 |
| Cash dividends to net income (ytd only)* | 26.2783% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 1,858 |
| Loan loss allowance to noncurrent loans | 177.1319% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.9280% | 472 |
| Noncurrent loans to loans | 0.7380% | 1,016 |
| Net loans and leases to total assets | 70.4400% | 1,594 |
| Net loans and leases to deposits | 83.7101% | 1,487 |
| Net loans and leases to core deposits | 91.6957% | 1,409 |
| Total domestic deposits to total assets | 84.1500% | 3,170 |
| Equity capital to assets | 8.7512% | 2,528 |
| Core capital (leverage) ratio | 10.7886% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1751% | 1,322 |
| Memoranda: | ||
| Average total assets | $475,954,800 | 1,782 |
| Average earning assets | $442,970,800 | 1,776 |
| Average equity | $44,860,800 | 1,758 |
| Average total loans | $326,660,000 | 1,618 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 1,170 |
| Cost of funding earning assets | 0.1834% | 3,476 |
| Net interest margin | 3.8620% | 864 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.9119% | 1,033 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.0590% | 2,258 |
| Return on assets (ROA) | 1.0483% | 2,260 |
| Pretax return on assets | 1.3162% | 1,992 |
| Return on Equity (ROE) | 10.9200% | 2,405 |
| Retained earnings to average equity (ytd only) | 8.0562% | 1,981 |
| Net charge-offs to loans | 0.0117% | 1,682 |
| Credit loss provision to net charge-offs | 1,225.0000% | 356 |
| Earnings coverage of net charge-offs (x) | 179.9286% | 663 |
| Efficiency ratio | 67.1170% | 2,145 |
| Assets per employee ($millions) | 5.1127% | 3,580 |
| Cash dividends to net income (ytd only)* | 26.2021% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 1,867 |
| Loan loss allowance to noncurrent loans | 189.6899% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.9324% | 493 |
| Noncurrent loans to loans | 0.7035% | 1,162 |
| Net loans and leases to total assets | 69.6300% | 1,509 |
| Net loans and leases to deposits | 80.7047% | 1,545 |
| Net loans and leases to core deposits | 85.6878% | 1,538 |
| Total domestic deposits to total assets | 86.2800% | 2,990 |
| Equity capital to assets | 8.4487% | 2,582 |
| Core capital (leverage) ratio | 10.9808% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5716% | 1,269 |
| Memoranda: | ||
| Average total assets | $470,831,250 | 1,808 |
| Average earning assets | $438,451,250 | 1,803 |
| Average equity | $45,214,750 | 1,770 |
| Average total loans | $319,744,750 | 1,639 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8514% | 1,203 |
| Cost of funding earning assets | 0.1637% | 3,390 |
| Net interest margin | 3.6877% | 928 |
| Noninterest income to average assets | 0.7366% | 1,213 |
| Noninterest expense to average assets | 2.8693% | 1,039 |
| Loan and lease loss provision to assets | 0.0975% | 1,029 |
| Net operating income to assets | 0.9699% | 2,266 |
| Return on assets (ROA) | 0.9568% | 2,304 |
| Pretax return on assets | 1.1942% | 2,094 |
| Return on Equity (ROE) | 9.5697% | 2,500 |
| Retained earnings to average equity (ytd only) | 7.4949% | 1,816 |
| Net charge-offs to loans | 0.0083% | 1,681 |
| Credit loss provision to net charge-offs | 1,753.8462% | 267 |
| Earnings coverage of net charge-offs (x) | 235.2308% | 488 |
| Efficiency ratio | 68.6873% | 2,142 |
| Assets per employee ($millions) | 4.7856% | 3,855 |
| Cash dividends to net income (ytd only)* | 21.6808% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 1,816 |
| Loan loss allowance to noncurrent loans | 145.9914% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.1247% | 389 |
| Noncurrent loans to loans | 0.9481% | 882 |
| Net loans and leases to total assets | 67.9130% | 1,486 |
| Net loans and leases to deposits | 77.8123% | 1,555 |
| Net loans and leases to core deposits | 81.6103% | 1,615 |
| Total domestic deposits to total assets | 87.2780% | 2,840 |
| Equity capital to assets | 9.4228% | 2,078 |
| Core capital (leverage) ratio | 10.8409% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5209% | 1,071 |
| Memoranda: | ||
| Average total assets | $467,577,333 | 1,825 |
| Average earning assets | $436,259,667 | 1,821 |
| Average equity | $46,751,667 | 1,769 |
| Average total loans | $313,265,000 | 1,658 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7265% | 1,231 |
| Cost of funding earning assets | 0.1659% | 3,281 |
| Net interest margin | 3.5606% | 960 |
| Noninterest income to average assets | 0.6904% | 1,343 |
| Noninterest expense to average assets | 2.8445% | 1,071 |
| Loan and lease loss provision to assets | 0.0989% | 845 |
| Net operating income to assets | 0.8737% | 2,396 |
| Return on assets (ROA) | 0.8592% | 2,445 |
| Pretax return on assets | 1.0587% | 2,264 |
| Return on Equity (ROE) | 8.3553% | 2,567 |
| Retained earnings to average equity (ytd only) | 4.3351% | 2,828 |
| Net charge-offs to loans | 0.0103% | 1,383 |
| Credit loss provision to net charge-offs | 1,450.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 172.3750% | 477 |
| Efficiency ratio | 70.7591% | 2,125 |
| Assets per employee ($millions) | 5.1091% | 3,656 |
| Cash dividends to net income (ytd only)* | 48.1151% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 1,976 |
| Loan loss allowance to noncurrent loans | 156.9611% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.0466% | 469 |
| Noncurrent loans to loans | 0.8821% | 1,056 |
| Net loans and leases to total assets | 64.7304% | 1,531 |
| Net loans and leases to deposits | 76.0045% | 1,446 |
| Net loans and leases to core deposits | 79.6522% | 1,508 |
| Total domestic deposits to total assets | 85.1665% | 3,504 |
| Equity capital to assets | 9.7100% | 2,117 |
| Core capital (leverage) ratio | 10.7031% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6118% | 1,122 |
| Memoranda: | ||
| Average total assets | $469,264,000 | 1,831 |
| Average earning assets | $438,808,500 | 1,830 |
| Average equity | $48,257,000 | 1,781 |
| Average total loans | $310,057,500 | 1,663 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9946% | 1,368 |
| Cost of funding earning assets | 0.2835% | 2,566 |
| Net interest margin | 3.7111% | 1,188 |
| Noninterest income to average assets | 0.7904% | 1,470 |
| Noninterest expense to average assets | 3.1374% | 801 |
| Loan and lease loss provision to assets | 0.0929% | 1,342 |
| Net operating income to assets | 0.8114% | 3,300 |
| Return on assets (ROA) | 0.8155% | 3,355 |
| Pretax return on assets | 1.0210% | 3,197 |
| Return on Equity (ROE) | 7.4859% | 3,379 |
| Retained earnings to average equity (ytd only) | 5.0442% | 2,769 |
| Net charge-offs to loans | 0.0190% | 1,896 |
| Credit loss provision to net charge-offs | 722.4138% | 648 |
| Earnings coverage of net charge-offs (x) | 86.2414% | 955 |
| Efficiency ratio | 73.8881% | 1,319 |
| Assets per employee ($millions) | 4.9826% | 3,747 |
| Cash dividends to net income (ytd only)* | 32.6176% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 2,069 |
| Loan loss allowance to noncurrent loans | 145.8766% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 1.1045% | 475 |
| Noncurrent loans to loans | 0.9363% | 1,085 |
| Net loans and leases to total assets | 65.6096% | 1,520 |
| Net loans and leases to deposits | 78.1623% | 1,386 |
| Net loans and leases to core deposits | 82.4636% | 1,424 |
| Total domestic deposits to total assets | 83.9401% | 3,582 |
| Equity capital to assets | 10.8717% | 1,882 |
| Core capital (leverage) ratio | 10.8028% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9079% | 1,063 |
| Memoranda: | ||
| Average total assets | $451,139,600 | 1,836 |
| Average earning assets | $420,088,200 | 1,840 |
| Average equity | $49,146,000 | 1,796 |
| Average total loans | $304,729,400 | 1,688 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0607% | 1,400 |
| Cost of funding earning assets | 0.3066% | 2,533 |
| Net interest margin | 3.7541% | 1,215 |
| Noninterest income to average assets | 0.7930% | 1,546 |
| Noninterest expense to average assets | 3.1253% | 782 |
| Loan and lease loss provision to assets | 0.0919% | 1,298 |
| Net operating income to assets | 0.8488% | 3,391 |
| Return on assets (ROA) | 0.8540% | 3,441 |
| Pretax return on assets | 1.0730% | 3,259 |
| Return on Equity (ROE) | 7.8352% | 3,451 |
| Retained earnings to average equity (ytd only) | 4.5592% | 3,387 |
| Net charge-offs to loans | 0.0233% | 1,574 |
| Credit loss provision to net charge-offs | 583.0189% | 715 |
| Earnings coverage of net charge-offs (x) | 73.4528% | 1,037 |
| Efficiency ratio | 72.9578% | 1,313 |
| Assets per employee ($millions) | 4.9961% | 3,702 |
| Cash dividends to net income (ytd only)* | 41.8118% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 2,208 |
| Loan loss allowance to noncurrent loans | 147.1516% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 1.0242% | 631 |
| Noncurrent loans to loans | 0.9191% | 1,256 |
| Net loans and leases to total assets | 64.4686% | 1,711 |
| Net loans and leases to deposits | 77.1722% | 1,558 |
| Net loans and leases to core deposits | 81.7588% | 1,589 |
| Total domestic deposits to total assets | 83.5387% | 3,576 |
| Equity capital to assets | 10.6767% | 2,286 |
| Core capital (leverage) ratio | 10.7866% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2384% | 1,095 |
| Memoranda: | ||
| Average total assets | $448,079,750 | 1,864 |
| Average earning assets | $416,635,500 | 1,868 |
| Average equity | $48,838,250 | 1,826 |
| Average total loans | $303,854,000 | 1,721 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0236% | 1,518 |
| Cost of funding earning assets | 0.3385% | 2,421 |
| Net interest margin | 3.6851% | 1,387 |
| Noninterest income to average assets | 0.8094% | 1,513 |
| Noninterest expense to average assets | 3.1065% | 832 |
| Loan and lease loss provision to assets | 0.1008% | 1,257 |
| Net operating income to assets | 0.8132% | 3,469 |
| Return on assets (ROA) | 0.8175% | 3,525 |
| Pretax return on assets | 1.0272% | 3,380 |
| Return on Equity (ROE) | 7.4473% | 3,546 |
| Retained earnings to average equity (ytd only) | 4.8743% | 3,232 |
| Net charge-offs to loans | 0.0099% | 1,777 |
| Credit loss provision to net charge-offs | 1,486.6667% | 367 |
| Earnings coverage of net charge-offs (x) | 165.6000% | 557 |
| Efficiency ratio | 73.4559% | 1,292 |
| Assets per employee ($millions) | 4.8462% | 3,790 |
| Cash dividends to net income (ytd only)* | 34.5495% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 2,255 |
| Loan loss allowance to noncurrent loans | 205.0531% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 929 |
| Noncurrent loans to loans | 0.6523% | 1,784 |
| Net loans and leases to total assets | 66.4119% | 1,646 |
| Net loans and leases to deposits | 79.8820% | 1,435 |
| Net loans and leases to core deposits | 85.1607% | 1,483 |
| Total domestic deposits to total assets | 83.1375% | 3,679 |
| Equity capital to assets | 10.9763% | 1,993 |
| Core capital (leverage) ratio | 10.8305% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4616% | 1,042 |
| Memoranda: | ||
| Average total assets | $442,559,667 | 1,870 |
| Average earning assets | $410,680,333 | 1,878 |
| Average equity | $48,581,667 | 1,817 |
| Average total loans | $303,920,667 | 1,724 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 1,737 |
| Cost of funding earning assets | 0.3812% | 2,250 |
| Net interest margin | 3.5540% | 1,692 |
| Noninterest income to average assets | 0.8183% | 1,540 |
| Noninterest expense to average assets | 3.0833% | 859 |
| Loan and lease loss provision to assets | 0.1031% | 1,318 |
| Net operating income to assets | 0.7311% | 3,630 |
| Return on assets (ROA) | 0.7325% | 3,695 |
| Pretax return on assets | 0.9250% | 3,553 |
| Return on Equity (ROE) | 6.6726% | 3,684 |
| Retained earnings to average equity (ytd only) | 1.4791% | 4,127 |
| Net charge-offs to loans | 0.0184% | 1,374 |
| Credit loss provision to net charge-offs | 807.1429% | 471 |
| Earnings coverage of net charge-offs (x) | 80.3571% | 703 |
| Efficiency ratio | 75.0277% | 1,220 |
| Assets per employee ($millions) | 4.8016% | 3,846 |
| Cash dividends to net income (ytd only)* | 77.8331% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 2,416 |
| Loan loss allowance to noncurrent loans | 201.3252% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.7995% | 1,120 |
| Noncurrent loans to loans | 0.6482% | 1,949 |
| Net loans and leases to total assets | 66.8958% | 1,678 |
| Net loans and leases to deposits | 80.3448% | 1,491 |
| Net loans and leases to core deposits | 86.2655% | 1,501 |
| Total domestic deposits to total assets | 83.2609% | 3,626 |
| Equity capital to assets | 10.6983% | 2,081 |
| Core capital (leverage) ratio | 10.9099% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5082% | 994 |
| Memoranda: | ||
| Average total assets | $438,490,500 | 1,873 |
| Average earning assets | $406,080,500 | 1,883 |
| Average equity | $48,137,500 | 1,815 |
| Average total loans | $304,193,500 | 1,725 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 1,669 |
| Cost of funding earning assets | 0.7520% | 1,437 |
| Net interest margin | 3.6178% | 2,082 |
| Noninterest income to average assets | 0.8130% | 1,494 |
| Noninterest expense to average assets | 3.1237% | 1,187 |
| Loan and lease loss provision to assets | 0.0647% | 3,566 |
| Net operating income to assets | 0.7999% | 3,095 |
| Return on assets (ROA) | 0.8345% | 3,090 |
| Pretax return on assets | 1.0256% | 2,957 |
| Return on Equity (ROE) | 7.3657% | 3,044 |
| Retained earnings to average equity (ytd only) | 5.0752% | 2,243 |
| Net charge-offs to loans | -0.0007% | 3,917 |
| Credit loss provision to net charge-offs | -13,400.0000% | 4,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8857% | 1,346 |
| Assets per employee ($millions) | 4.5309% | 3,885 |
| Cash dividends to net income (ytd only)* | 31.0963% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 2,622 |
| Loan loss allowance to noncurrent loans | 153.2643% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.9604% | 1,004 |
| Noncurrent loans to loans | 0.8217% | 1,704 |
| Net loans and leases to total assets | 70.1305% | 1,547 |
| Net loans and leases to deposits | 86.3016% | 1,227 |
| Net loans and leases to core deposits | 93.3789% | 1,283 |
| Total domestic deposits to total assets | 81.2621% | 3,818 |
| Equity capital to assets | 11.2682% | 2,041 |
| Core capital (leverage) ratio | 11.1323% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2325% | 1,012 |
| Memoranda: | ||
| Average total assets | $414,280,800 | 1,812 |
| Average earning assets | $384,568,400 | 1,816 |
| Average equity | $46,933,800 | 1,792 |
| Average total loans | $300,130,600 | 1,680 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 1,947 |
| Cost of funding earning assets | 0.8319% | 1,349 |
| Net interest margin | 3.5330% | 2,478 |
| Noninterest income to average assets | 0.8102% | 1,454 |
| Noninterest expense to average assets | 3.0446% | 1,346 |
| Loan and lease loss provision to assets | 0.0614% | 3,573 |
| Net operating income to assets | 0.8089% | 3,055 |
| Return on assets (ROA) | 0.8515% | 3,032 |
| Pretax return on assets | 1.0342% | 2,954 |
| Return on Equity (ROE) | 7.5056% | 3,013 |
| Retained earnings to average equity (ytd only) | 4.4260% | 2,839 |
| Net charge-offs to loans | -0.0107% | 4,238 |
| Credit loss provision to net charge-offs | -787.5000% | 3,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4733% | 1,361 |
| Assets per employee ($millions) | 4.4916% | 3,859 |
| Cash dividends to net income (ytd only)* | 41.0305% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 2,440 |
| Loan loss allowance to noncurrent loans | 378.8212% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 2,057 |
| Noncurrent loans to loans | 0.3275% | 3,112 |
| Net loans and leases to total assets | 70.7404% | 1,852 |
| Net loans and leases to deposits | 88.1146% | 1,473 |
| Net loans and leases to core deposits | 96.1159% | 1,450 |
| Total domestic deposits to total assets | 80.2823% | 3,802 |
| Equity capital to assets | 11.1620% | 2,271 |
| Core capital (leverage) ratio | 10.9143% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4374% | 983 |
| Memoranda: | ||
| Average total assets | $410,242,750 | 1,807 |
| Average earning assets | $380,635,000 | 1,812 |
| Average equity | $46,541,750 | 1,791 |
| Average total loans | $298,734,500 | 1,686 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 2,252 |
| Cost of funding earning assets | 0.8990% | 1,379 |
| Net interest margin | 3.4845% | 2,842 |
| Noninterest income to average assets | 0.7728% | 1,512 |
| Noninterest expense to average assets | 3.0181% | 1,529 |
| Loan and lease loss provision to assets | 0.0539% | 3,630 |
| Net operating income to assets | 0.7780% | 3,123 |
| Return on assets (ROA) | 0.7768% | 3,240 |
| Pretax return on assets | 0.9304% | 3,230 |
| Return on Equity (ROE) | 6.8082% | 3,204 |
| Retained earnings to average equity (ytd only) | 4.2096% | 2,816 |
| Net charge-offs to loans | -0.0175% | 4,368 |
| Credit loss provision to net charge-offs | -419.2308% | 3,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3795% | 1,322 |
| Assets per employee ($millions) | 4.7577% | 3,459 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 2,447 |
| Loan loss allowance to noncurrent loans | 345.8101% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5507% | 2,157 |
| Noncurrent loans to loans | 0.3509% | 3,141 |
| Net loans and leases to total assets | 70.6141% | 1,935 |
| Net loans and leases to deposits | 87.6179% | 1,598 |
| Net loans and leases to core deposits | 95.7591% | 1,595 |
| Total domestic deposits to total assets | 80.5933% | 3,704 |
| Equity capital to assets | 10.9430% | 2,397 |
| Core capital (leverage) ratio | 11.0245% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6761% | 952 |
| Memoranda: | ||
| Average total assets | $404,757,667 | 1,799 |
| Average earning assets | $375,318,667 | 1,804 |
| Average equity | $46,179,667 | 1,789 |
| Average total loans | $296,432,667 | 1,682 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 2,066 |
| Cost of funding earning assets | 0.9698% | 1,567 |
| Net interest margin | 3.6087% | 2,634 |
| Noninterest income to average assets | 0.8060% | 1,294 |
| Noninterest expense to average assets | 3.1569% | 1,515 |
| Loan and lease loss provision to assets | 0.0346% | 3,335 |
| Net operating income to assets | 0.7813% | 2,969 |
| Return on assets (ROA) | 0.7755% | 3,074 |
| Pretax return on assets | 0.9475% | 3,008 |
| Return on Equity (ROE) | 6.6491% | 3,083 |
| Retained earnings to average equity (ytd only) | 1.4136% | 3,628 |
| Net charge-offs to loans | -0.0398% | 4,563 |
| Credit loss provision to net charge-offs | -117.2414% | 3,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1414% | 1,551 |
| Assets per employee ($millions) | 4.3536% | 3,471 |
| Cash dividends to net income (ytd only)* | 78.7402% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 2,421 |
| Loan loss allowance to noncurrent loans | 324.3989% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.8156% | 1,658 |
| Noncurrent loans to loans | 0.3838% | 3,114 |
| Net loans and leases to total assets | 72.9384% | 1,786 |
| Net loans and leases to deposits | 91.1774% | 1,379 |
| Net loans and leases to core deposits | 100.7205% | 1,418 |
| Total domestic deposits to total assets | 79.9962% | 3,864 |
| Equity capital to assets | 11.6754% | 2,304 |
| Core capital (leverage) ratio | 11.5598% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3118% | 1,098 |
| Memoranda: | ||
| Average total assets | $393,040,500 | 1,795 |
| Average earning assets | $363,792,000 | 1,799 |
| Average equity | $45,841,000 | 1,795 |
| Average total loans | $291,610,000 | 1,673 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 2,451 |
| Cost of funding earning assets | 1.0074% | 1,693 |
| Net interest margin | 3.6489% | 2,971 |
| Noninterest income to average assets | 0.8453% | 1,317 |
| Noninterest expense to average assets | 3.2141% | 1,487 |
| Loan and lease loss provision to assets | 0.1012% | 2,032 |
| Net operating income to assets | 0.7600% | 3,671 |
| Return on assets (ROA) | 0.7643% | 3,746 |
| Pretax return on assets | 0.9231% | 3,670 |
| Return on Equity (ROE) | 6.7169% | 3,655 |
| Retained earnings to average equity (ytd only) | 4.2642% | 2,827 |
| Net charge-offs to loans | 0.0223% | 2,970 |
| Credit loss provision to net charge-offs | 609.3750% | 508 |
| Earnings coverage of net charge-offs (x) | 61.3438% | 964 |
| Efficiency ratio | 75.9244% | 1,381 |
| Assets per employee ($millions) | 4.1479% | 3,701 |
| Cash dividends to net income (ytd only)* | 36.5149% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,281 |
| Loan loss allowance to noncurrent loans | 495.7064% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 1,798 |
| Noncurrent loans to loans | 0.2484% | 3,560 |
| Net loans and leases to total assets | 73.6163% | 1,816 |
| Net loans and leases to deposits | 91.4040% | 1,443 |
| Net loans and leases to core deposits | 100.6342% | 1,511 |
| Total domestic deposits to total assets | 80.5395% | 3,868 |
| Equity capital to assets | 11.6507% | 2,383 |
| Core capital (leverage) ratio | 11.5862% | 2,045 |
| Tier 1 risk-based capital ratio | 17.2928% | 1,967 |
| Total risk-based capital ratio | 18.5444% | 1,911 |
| Memoranda: | ||
| Average total assets | $385,208,800 | 1,783 |
| Average earning assets | $357,667,400 | 1,790 |
| Average equity | $43,829,800 | 1,798 |
| Average total loans | $287,418,800 | 1,657 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6480% | 2,577 |
| Cost of funding earning assets | 1.0009% | 1,757 |
| Net interest margin | 3.6471% | 3,103 |
| Noninterest income to average assets | 0.8447% | 1,292 |
| Noninterest expense to average assets | 3.2337% | 1,401 |
| Loan and lease loss provision to assets | 0.1253% | 1,553 |
| Net operating income to assets | 0.7184% | 3,957 |
| Return on assets (ROA) | 0.7218% | 4,007 |
| Pretax return on assets | 0.8777% | 3,941 |
| Return on Equity (ROE) | 6.3825% | 3,925 |
| Retained earnings to average equity (ytd only) | 3.0822% | 3,858 |
| Net charge-offs to loans | 0.0205% | 2,701 |
| Credit loss provision to net charge-offs | 820.4545% | 424 |
| Earnings coverage of net charge-offs (x) | 65.3809% | 1,002 |
| Efficiency ratio | 76.4006% | 1,284 |
| Assets per employee ($millions) | 4.2053% | 3,609 |
| Cash dividends to net income (ytd only)* | 51.7077% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,322 |
| Loan loss allowance to noncurrent loans | 563.0915% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.7108% | 1,929 |
| Noncurrent loans to loans | 0.2189% | 3,757 |
| Net loans and leases to total assets | 73.1299% | 1,974 |
| Net loans and leases to deposits | 91.1953% | 1,543 |
| Net loans and leases to core deposits | 99.8157% | 1,670 |
| Total domestic deposits to total assets | 80.1903% | 3,951 |
| Equity capital to assets | 11.4963% | 2,660 |
| Core capital (leverage) ratio | 11.4352% | 2,276 |
| Tier 1 risk-based capital ratio | 17.2693% | 2,006 |
| Total risk-based capital ratio | 18.5209% | 1,964 |
| Memoranda: | ||
| Average total assets | $384,034,250 | 1,800 |
| Average earning assets | $356,730,750 | 1,804 |
| Average equity | $43,430,500 | 1,815 |
| Average total loans | $286,620,000 | 1,672 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6276% | 2,589 |
| Cost of funding earning assets | 0.9849% | 1,768 |
| Net interest margin | 3.6427% | 3,122 |
| Noninterest income to average assets | 0.8305% | 1,249 |
| Noninterest expense to average assets | 3.3190% | 1,246 |
| Loan and lease loss provision to assets | 0.1195% | 1,565 |
| Net operating income to assets | 0.6417% | 4,189 |
| Return on assets (ROA) | 0.6461% | 4,228 |
| Pretax return on assets | 0.7771% | 4,146 |
| Return on Equity (ROE) | 5.7455% | 4,135 |
| Retained earnings to average equity (ytd only) | 2.9497% | 3,738 |
| Net charge-offs to loans | 0.0091% | 2,810 |
| Credit loss provision to net charge-offs | 1,753.8462% | 216 |
| Earnings coverage of net charge-offs (x) | 130.8462% | 560 |
| Efficiency ratio | 78.8301% | 1,069 |
| Assets per employee ($millions) | 4.0157% | 3,843 |
| Cash dividends to net income (ytd only)* | 48.6618% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 2,459 |
| Loan loss allowance to noncurrent loans | 490.5233% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.7617% | 1,830 |
| Noncurrent loans to loans | 0.2472% | 3,649 |
| Net loans and leases to total assets | 74.0588% | 1,879 |
| Net loans and leases to deposits | 91.5590% | 1,544 |
| Net loans and leases to core deposits | 99.3282% | 1,783 |
| Total domestic deposits to total assets | 80.8865% | 3,850 |
| Equity capital to assets | 11.5881% | 2,535 |
| Core capital (leverage) ratio | 11.5165% | 2,150 |
| Tier 1 risk-based capital ratio | 17.1114% | 2,055 |
| Total risk-based capital ratio | 18.3632% | 2,000 |
| Memoranda: | ||
| Average total assets | $381,681,670 | 1,819 |
| Average earning assets | $354,133,330 | 1,820 |
| Average equity | $42,920,330 | 1,834 |
| Average total loans | $285,635,000 | 1,684 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5937% | 2,548 |
| Cost of funding earning assets | 0.9728% | 1,689 |
| Net interest margin | 3.6210% | 3,176 |
| Noninterest income to average assets | 0.7774% | 1,340 |
| Noninterest expense to average assets | 3.2899% | 1,304 |
| Loan and lease loss provision to assets | 0.1142% | 1,547 |
| Net operating income to assets | 0.6103% | 4,204 |
| Return on assets (ROA) | 0.6129% | 4,239 |
| Pretax return on assets | 0.7345% | 4,210 |
| Return on Equity (ROE) | 5.5350% | 4,177 |
| Retained earnings to average equity (ytd only) | -0.1419% | 4,551 |
| Net charge-offs to loans | 0.0126% | 2,244 |
| Credit loss provision to net charge-offs | 1,211.1111% | 319 |
| Earnings coverage of net charge-offs (x) | 89.6667% | 715 |
| Efficiency ratio | 79.5541% | 1,102 |
| Assets per employee ($millions) | 4.0230% | 3,884 |
| Cash dividends to net income (ytd only)* | 102.5641% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 2,679 |
| Loan loss allowance to noncurrent loans | 657.4510% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.6871% | 2,039 |
| Noncurrent loans to loans | 0.1798% | 3,950 |
| Net loans and leases to total assets | 73.3218% | 1,924 |
| Net loans and leases to deposits | 92.3981% | 1,354 |
| Net loans and leases to core deposits | 99.7065% | 1,649 |
| Total domestic deposits to total assets | 79.3542% | 4,285 |
| Equity capital to assets | 11.2080% | 2,645 |
| Core capital (leverage) ratio | 11.3311% | 2,266 |
| Tier 1 risk-based capital ratio | 16.8739% | 2,144 |
| Total risk-based capital ratio | 18.1244% | 2,095 |
| Memoranda: | ||
| Average total assets | $381,775,500 | 1,828 |
| Average earning assets | $354,047,500 | 1,828 |
| Average equity | $42,276,500 | 1,843 |
| Average total loans | $285,453,500 | 1,691 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7107% | 1,785 |
| Cost of funding earning assets | 0.7397% | 1,849 |
| Net interest margin | 3.9710% | 2,088 |
| Noninterest income to average assets | 0.8395% | 1,337 |
| Noninterest expense to average assets | 3.2124% | 1,520 |
| Loan and lease loss provision to assets | 0.1190% | 1,856 |
| Net operating income to assets | 0.9670% | 3,151 |
| Return on assets (ROA) | 0.9666% | 3,150 |
| Pretax return on assets | 1.1848% | 2,937 |
| Return on Equity (ROE) | 8.8715% | 3,056 |
| Retained earnings to average equity (ytd only) | 4.1776% | 3,252 |
| Net charge-offs to loans | 0.0731% | 2,075 |
| Credit loss provision to net charge-offs | 219.9005% | 1,325 |
| Earnings coverage of net charge-offs (x) | 24.1095% | 1,827 |
| Efficiency ratio | 71.1221% | 2,027 |
| Assets per employee ($millions) | 4.0144% | 3,874 |
| Cash dividends to net income (ytd only)* | 52.9101% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 2,916 |
| Loan loss allowance to noncurrent loans | 631.6505% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.6912% | 2,005 |
| Noncurrent loans to loans | 0.1792% | 3,952 |
| Net loans and leases to total assets | 74.4891% | 1,841 |
| Net loans and leases to deposits | 97.2217% | 957 |
| Net loans and leases to core deposits | 106.0349% | 1,265 |
| Total domestic deposits to total assets | 76.6178% | 4,686 |
| Equity capital to assets | 10.9391% | 2,747 |
| Core capital (leverage) ratio | 11.4338% | 2,151 |
| Tier 1 risk-based capital ratio | 16.7005% | 2,171 |
| Total risk-based capital ratio | 17.9505% | 2,119 |
| Memoranda: | ||
| Average total assets | $371,524,600 | 1,824 |
| Average earning assets | $344,045,400 | 1,835 |
| Average equity | $40,477,800 | 1,835 |
| Average total loans | $274,999,800 | 1,698 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 1,560 |
| Cost of funding earning assets | 0.6753% | 2,000 |
| Net interest margin | 4.0703% | 1,721 |
| Noninterest income to average assets | 0.8392% | 1,356 |
| Noninterest expense to average assets | 3.2666% | 1,377 |
| Loan and lease loss provision to assets | 0.1167% | 1,741 |
| Net operating income to assets | 0.9764% | 3,189 |
| Return on assets (ROA) | 0.9772% | 3,198 |
| Pretax return on assets | 1.2243% | 2,898 |
| Return on Equity (ROE) | 8.9788% | 3,104 |
| Retained earnings to average equity (ytd only) | 3.3359% | 4,083 |
| Net charge-offs to loans | 0.0937% | 1,558 |
| Credit loss provision to net charge-offs | 169.1099% | 1,575 |
| Earnings coverage of net charge-offs (x) | 19.4189% | 2,008 |
| Efficiency ratio | 70.9121% | 2,051 |
| Assets per employee ($millions) | 4.1077% | 3,717 |
| Cash dividends to net income (ytd only)* | 62.8465% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,060 |
| Loan loss allowance to noncurrent loans | 605.9730% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.7865% | 1,890 |
| Noncurrent loans to loans | 0.1853% | 4,057 |
| Net loans and leases to total assets | 74.0868% | 1,968 |
| Net loans and leases to deposits | 94.8041% | 1,286 |
| Net loans and leases to core deposits | 102.9035% | 1,537 |
| Total domestic deposits to total assets | 78.1473% | 4,465 |
| Equity capital to assets | 10.7581% | 2,889 |
| Core capital (leverage) ratio | 11.4278% | 2,225 |
| Tier 1 risk-based capital ratio | 16.7324% | 2,194 |
| Total risk-based capital ratio | 17.9730% | 2,143 |
| Memoranda: | ||
| Average total assets | $369,064,000 | 1,841 |
| Average earning assets | $341,588,750 | 1,855 |
| Average equity | $40,167,750 | 1,851 |
| Average total loans | $271,917,250 | 1,716 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5629% | 1,890 |
| Cost of funding earning assets | 0.6207% | 2,100 |
| Net interest margin | 3.9422% | 2,058 |
| Noninterest income to average assets | 0.8463% | 1,330 |
| Noninterest expense to average assets | 3.3090% | 1,297 |
| Loan and lease loss provision to assets | 0.0762% | 2,373 |
| Net operating income to assets | 0.8894% | 3,501 |
| Return on assets (ROA) | 0.8898% | 3,505 |
| Pretax return on assets | 1.1086% | 3,280 |
| Return on Equity (ROE) | 8.1440% | 3,439 |
| Retained earnings to average equity (ytd only) | 3.9101% | 3,650 |
| Net charge-offs to loans | 0.1248% | 1,183 |
| Credit loss provision to net charge-offs | 83.3333% | 2,226 |
| Earnings coverage of net charge-offs (x) | 12.9524% | 2,175 |
| Efficiency ratio | 73.6434% | 1,764 |
| Assets per employee ($millions) | 3.9913% | 3,913 |
| Cash dividends to net income (ytd only)* | 51.9878% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 3,324 |
| Loan loss allowance to noncurrent loans | 313.8801% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 1,671 |
| Noncurrent loans to loans | 0.3473% | 3,454 |
| Net loans and leases to total assets | 73.7518% | 1,988 |
| Net loans and leases to deposits | 93.1181% | 1,456 |
| Net loans and leases to core deposits | 100.4995% | 1,693 |
| Total domestic deposits to total assets | 79.2025% | 4,393 |
| Equity capital to assets | 10.9866% | 2,651 |
| Core capital (leverage) ratio | 11.4785% | 2,089 |
| Tier 1 risk-based capital ratio | 16.9827% | 2,107 |
| Total risk-based capital ratio | 18.1840% | 2,066 |
| Memoranda: | ||
| Average total assets | $367,484,670 | 1,853 |
| Average earning assets | $339,959,000 | 1,866 |
| Average equity | $40,152,330 | 1,854 |
| Average total loans | $269,195,330 | 1,736 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 1,916 |
| Cost of funding earning assets | 0.5724% | 2,239 |
| Net interest margin | 3.9114% | 1,999 |
| Noninterest income to average assets | 0.8378% | 1,338 |
| Noninterest expense to average assets | 3.3197% | 1,315 |
| Loan and lease loss provision to assets | 0.0968% | 1,900 |
| Net operating income to assets | 0.8204% | 3,628 |
| Return on assets (ROA) | 0.8204% | 3,639 |
| Pretax return on assets | 1.0424% | 3,385 |
| Return on Equity (ROE) | 7.5293% | 3,577 |
| Retained earnings to average equity (ytd only) | 1.5378% | 4,477 |
| Net charge-offs to loans | 0.1604% | 880 |
| Credit loss provision to net charge-offs | 83.1776% | 1,720 |
| Earnings coverage of net charge-offs (x) | 9.7850% | 1,943 |
| Efficiency ratio | 74.4510% | 1,832 |
| Assets per employee ($millions) | 4.0312% | 3,927 |
| Cash dividends to net income (ytd only)* | 79.5756% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 3,336 |
| Loan loss allowance to noncurrent loans | 171.5442% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 1.0478% | 1,497 |
| Noncurrent loans to loans | 0.6452% | 2,609 |
| Net loans and leases to total assets | 71.4525% | 2,259 |
| Net loans and leases to deposits | 92.2591% | 1,425 |
| Net loans and leases to core deposits | 99.3495% | 1,736 |
| Total domestic deposits to total assets | 77.4476% | 4,811 |
| Equity capital to assets | 10.6300% | 2,940 |
| Core capital (leverage) ratio | 11.4079% | 2,081 |
| Tier 1 risk-based capital ratio | 16.9616% | 2,128 |
| Total risk-based capital ratio | 18.1816% | 2,087 |
| Memoranda: | ||
| Average total assets | $367,625,500 | 1,867 |
| Average earning assets | $340,341,500 | 1,872 |
| Average equity | $40,057,000 | 1,866 |
| Average total loans | $266,891,000 | 1,762 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 1,794 |
| Cost of funding earning assets | 0.4928% | 2,401 |
| Net interest margin | 3.9837% | 1,797 |
| Noninterest income to average assets | 1.0457% | 926 |
| Noninterest expense to average assets | 3.3438% | 1,299 |
| Loan and lease loss provision to assets | 0.0741% | 2,722 |
| Net operating income to assets | 0.8715% | 2,856 |
| Return on assets (ROA) | 0.9237% | 2,607 |
| Pretax return on assets | 1.3675% | 2,103 |
| Return on Equity (ROE) | 8.3728% | 2,618 |
| Retained earnings to average equity (ytd only) | 6.0740% | 1,499 |
| Net charge-offs to loans | 0.0887% | 2,207 |
| Credit loss provision to net charge-offs | 115.8590% | 2,261 |
| Earnings coverage of net charge-offs (x) | 21.3392% | 1,911 |
| Efficiency ratio | 71.0131% | 2,398 |
| Assets per employee ($millions) | 3.9181% | 4,093 |
| Cash dividends to net income (ytd only)* | 27.4558% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,228 |
| Loan loss allowance to noncurrent loans | 160.6566% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 1.1562% | 1,285 |
| Noncurrent loans to loans | 0.6990% | 2,458 |
| Net loans and leases to total assets | 72.1319% | 2,216 |
| Net loans and leases to deposits | 92.4373% | 1,464 |
| Net loans and leases to core deposits | 99.0985% | 1,782 |
| Total domestic deposits to total assets | 78.0334% | 4,716 |
| Equity capital to assets | 11.1670% | 2,468 |
| Core capital (leverage) ratio | 11.4406% | 1,983 |
| Tier 1 risk-based capital ratio | 17.1332% | 2,045 |
| Total risk-based capital ratio | 18.3766% | 2,008 |
| Memoranda: | ||
| Average total assets | $354,891,400 | 1,893 |
| Average earning assets | $326,325,800 | 1,909 |
| Average equity | $39,150,600 | 1,894 |
| Average total loans | $255,991,200 | 1,779 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 1,744 |
| Cost of funding earning assets | 0.4749% | 2,483 |
| Net interest margin | 3.9906% | 1,727 |
| Noninterest income to average assets | 0.7935% | 1,616 |
| Noninterest expense to average assets | 3.3851% | 1,185 |
| Loan and lease loss provision to assets | 0.0711% | 2,655 |
| Net operating income to assets | 0.7206% | 3,870 |
| Return on assets (ROA) | 0.7939% | 3,597 |
| Pretax return on assets | 1.1037% | 3,285 |
| Return on Equity (ROE) | 7.2193% | 3,537 |
| Retained earnings to average equity (ytd only) | 4.1238% | 3,459 |
| Net charge-offs to loans | 0.1136% | 1,656 |
| Credit loss provision to net charge-offs | 87.0370% | 2,496 |
| Earnings coverage of net charge-offs (x) | 13.1344% | 2,372 |
| Efficiency ratio | 75.9311% | 1,603 |
| Assets per employee ($millions) | 3.8633% | 4,215 |
| Cash dividends to net income (ytd only)* | 42.8775% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 3,432 |
| Loan loss allowance to noncurrent loans | 234.8071% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 1.2408% | 1,311 |
| Noncurrent loans to loans | 0.4729% | 3,270 |
| Net loans and leases to total assets | 72.4038% | 2,202 |
| Net loans and leases to deposits | 91.4273% | 1,634 |
| Net loans and leases to core deposits | 97.5630% | 1,921 |
| Total domestic deposits to total assets | 79.1928% | 4,499 |
| Equity capital to assets | 11.0290% | 2,836 |
| Core capital (leverage) ratio | 11.5175% | 2,005 |
| Tier 1 risk-based capital ratio | 16.7019% | 2,251 |
| Total risk-based capital ratio | 17.9228% | 2,213 |
| Memoranda: | ||
| Average total assets | $352,518,000 | 1,914 |
| Average earning assets | $323,717,000 | 1,931 |
| Average equity | $38,765,500 | 1,921 |
| Average total loans | $253,533,250 | 1,807 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 1,657 |
| Cost of funding earning assets | 0.4704% | 2,409 |
| Net interest margin | 3.9825% | 1,664 |
| Noninterest income to average assets | 0.7828% | 1,631 |
| Noninterest expense to average assets | 3.4437% | 1,090 |
| Loan and lease loss provision to assets | 0.0874% | 2,233 |
| Net operating income to assets | 0.6836% | 3,917 |
| Return on assets (ROA) | 0.6841% | 3,981 |
| Pretax return on assets | 0.9073% | 3,906 |
| Return on Equity (ROE) | 6.2268% | 3,947 |
| Retained earnings to average equity (ytd only) | 3.8879% | 3,382 |
| Net charge-offs to loans | 0.1422% | 1,305 |
| Credit loss provision to net charge-offs | 85.9551% | 2,195 |
| Earnings coverage of net charge-offs (x) | 9.7809% | 2,397 |
| Efficiency ratio | 77.5991% | 1,516 |
| Assets per employee ($millions) | 3.7293% | 4,391 |
| Cash dividends to net income (ytd only)* | 37.5626% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 3,261 |
| Loan loss allowance to noncurrent loans | 202.0733% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 1.3071% | 1,264 |
| Noncurrent loans to loans | 0.5731% | 3,008 |
| Net loans and leases to total assets | 71.1916% | 2,340 |
| Net loans and leases to deposits | 88.5867% | 1,911 |
| Net loans and leases to core deposits | 94.2829% | 2,128 |
| Total domestic deposits to total assets | 80.3637% | 4,329 |
| Equity capital to assets | 11.2475% | 2,548 |
| Core capital (leverage) ratio | 11.4424% | 2,010 |
| Tier 1 risk-based capital ratio | 17.0925% | 2,138 |
| Total risk-based capital ratio | 18.3429% | 2,080 |
| Memoranda: | ||
| Average total assets | $350,261,000 | 1,928 |
| Average earning assets | $321,455,000 | 1,946 |
| Average equity | $38,478,670 | 1,934 |
| Average total loans | $250,357,670 | 1,824 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 1,522 |
| Cost of funding earning assets | 0.4670% | 2,370 |
| Net interest margin | 3.9749% | 1,538 |
| Noninterest income to average assets | 0.7769% | 1,633 |
| Noninterest expense to average assets | 3.5394% | 987 |
| Loan and lease loss provision to assets | 0.0731% | 2,341 |
| Net operating income to assets | 0.6284% | 4,025 |
| Return on assets (ROA) | 0.6284% | 4,076 |
| Pretax return on assets | 0.8112% | 4,070 |
| Return on Equity (ROE) | 5.7889% | 4,003 |
| Retained earnings to average equity (ytd only) | 1.0525% | 4,635 |
| Net charge-offs to loans | 0.2134% | 831 |
| Credit loss provision to net charge-offs | 48.1203% | 2,001 |
| Earnings coverage of net charge-offs (x) | 5.8195% | 2,255 |
| Efficiency ratio | 80.0103% | 1,381 |
| Assets per employee ($millions) | 3.7644% | 4,390 |
| Cash dividends to net income (ytd only)* | 81.8182% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 3,391 |
| Loan loss allowance to noncurrent loans | 165.1376% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 1.3811% | 1,212 |
| Noncurrent loans to loans | 0.6989% | 2,748 |
| Net loans and leases to total assets | 70.4596% | 2,304 |
| Net loans and leases to deposits | 86.7513% | 1,946 |
| Net loans and leases to core deposits | 92.3969% | 2,127 |
| Total domestic deposits to total assets | 81.2203% | 4,362 |
| Equity capital to assets | 10.9186% | 2,725 |
| Core capital (leverage) ratio | 11.2448% | 2,153 |
| Tier 1 risk-based capital ratio | 16.8315% | 2,236 |
| Total risk-based capital ratio | 18.0788% | 2,208 |
| Memoranda: | ||
| Average total assets | $350,116,500 | 1,933 |
| Average earning assets | $321,217,000 | 1,960 |
| Average equity | $38,004,000 | 1,961 |
| Average total loans | $249,293,500 | 1,839 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 1,649 |
| Cost of funding earning assets | 0.4702% | 2,345 |
| Net interest margin | 3.9916% | 1,653 |
| Noninterest income to average assets | 0.7949% | 1,761 |
| Noninterest expense to average assets | 3.4586% | 1,235 |
| Loan and lease loss provision to assets | 0.0180% | 4,018 |
| Net operating income to assets | 0.7825% | 3,390 |
| Return on assets (ROA) | 0.7955% | 3,426 |
| Pretax return on assets | 0.9930% | 3,499 |
| Return on Equity (ROE) | 7.2925% | 3,317 |
| Retained earnings to average equity (ytd only) | 4.8998% | 2,407 |
| Net charge-offs to loans | 0.0090% | 3,960 |
| Credit loss provision to net charge-offs | 281.8182% | 1,037 |
| Earnings coverage of net charge-offs (x) | 155.9091% | 414 |
| Efficiency ratio | 77.6635% | 1,744 |
| Assets per employee ($millions) | 3.7650% | 4,371 |
| Cash dividends to net income (ytd only)* | 32.8108% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 3,209 |
| Loan loss allowance to noncurrent loans | 140.5624% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.4823% | 1,135 |
| Noncurrent loans to loans | 0.8425% | 2,420 |
| Net loans and leases to total assets | 70.2816% | 2,422 |
| Net loans and leases to deposits | 88.6675% | 1,850 |
| Net loans and leases to core deposits | 95.6023% | 1,956 |
| Total domestic deposits to total assets | 79.2642% | 4,730 |
| Equity capital to assets | 10.7907% | 2,825 |
| Core capital (leverage) ratio | 11.3854% | 2,020 |
| Tier 1 risk-based capital ratio | 16.8919% | 2,192 |
| Total risk-based capital ratio | 18.1416% | 2,143 |
| Memoranda: | ||
| Average total assets | $344,818,600 | 1,924 |
| Average earning assets | $316,039,600 | 1,940 |
| Average equity | $37,613,800 | 1,946 |
| Average total loans | $244,260,600 | 1,823 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 1,582 |
| Cost of funding earning assets | 0.4703% | 2,363 |
| Net interest margin | 4.0172% | 1,603 |
| Noninterest income to average assets | 0.8097% | 1,719 |
| Noninterest expense to average assets | 3.4291% | 1,292 |
| Loan and lease loss provision to assets | 0.0279% | 3,679 |
| Net operating income to assets | 0.7774% | 3,471 |
| Return on assets (ROA) | 0.7934% | 3,539 |
| Pretax return on assets | 1.0546% | 3,412 |
| Return on Equity (ROE) | 7.2536% | 3,423 |
| Retained earnings to average equity (ytd only) | 4.0597% | 3,412 |
| Net charge-offs to loans | 0.0055% | 3,716 |
| Credit loss provision to net charge-offs | 720.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 273.4614% | 294 |
| Efficiency ratio | 76.3658% | 1,924 |
| Assets per employee ($millions) | 3.7738% | 4,356 |
| Cash dividends to net income (ytd only)* | 44.0312% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 3,199 |
| Loan loss allowance to noncurrent loans | 160.3346% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.5369% | 1,148 |
| Noncurrent loans to loans | 0.7523% | 2,790 |
| Net loans and leases to total assets | 70.8570% | 2,368 |
| Net loans and leases to deposits | 87.7538% | 2,046 |
| Net loans and leases to core deposits | 94.3858% | 2,157 |
| Total domestic deposits to total assets | 80.7452% | 4,311 |
| Equity capital to assets | 11.1901% | 2,806 |
| Core capital (leverage) ratio | 11.2949% | 2,193 |
| Tier 1 risk-based capital ratio | 16.8796% | 2,268 |
| Total risk-based capital ratio | 18.1305% | 2,222 |
| Memoranda: | ||
| Average total assets | $343,487,500 | 1,931 |
| Average earning assets | $314,703,500 | 1,948 |
| Average equity | $37,571,500 | 1,960 |
| Average total loans | $243,067,000 | 1,834 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4723% | 1,596 |
| Cost of funding earning assets | 0.4692% | 2,381 |
| Net interest margin | 4.0031% | 1,635 |
| Noninterest income to average assets | 0.7953% | 1,735 |
| Noninterest expense to average assets | 3.4293% | 1,317 |
| Loan and lease loss provision to assets | 0.0338% | 3,477 |
| Net operating income to assets | 0.7621% | 3,495 |
| Return on assets (ROA) | 0.7621% | 3,636 |
| Pretax return on assets | 0.9985% | 3,590 |
| Return on Equity (ROE) | 7.0215% | 3,523 |
| Retained earnings to average equity (ytd only) | 4.6077% | 2,976 |
| Net charge-offs to loans | -0.0025% | 4,393 |
| Credit loss provision to net charge-offs | -1,933.3333% | 5,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8628% | 1,952 |
| Assets per employee ($millions) | 3.8238% | 4,228 |
| Cash dividends to net income (ytd only)* | 34.3774% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 3,227 |
| Loan loss allowance to noncurrent loans | 140.0283% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 1.6316% | 1,121 |
| Noncurrent loans to loans | 0.8739% | 2,556 |
| Net loans and leases to total assets | 69.6645% | 2,524 |
| Net loans and leases to deposits | 87.5315% | 2,061 |
| Net loans and leases to core deposits | 93.5266% | 2,208 |
| Total domestic deposits to total assets | 79.5880% | 4,650 |
| Equity capital to assets | 11.1494% | 2,897 |
| Core capital (leverage) ratio | 11.1874% | 2,251 |
| Tier 1 risk-based capital ratio | 16.8548% | 2,280 |
| Total risk-based capital ratio | 18.1058% | 2,230 |
| Memoranda: | ||
| Average total assets | $343,510,000 | 1,941 |
| Average earning assets | $314,603,000 | 1,964 |
| Average equity | $37,285,670 | 1,977 |
| Average total loans | $241,986,670 | 1,846 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4772% | 1,575 |
| Cost of funding earning assets | 0.4761% | 2,314 |
| Net interest margin | 4.0011% | 1,611 |
| Noninterest income to average assets | 0.8030% | 1,605 |
| Noninterest expense to average assets | 3.3194% | 1,555 |
| Loan and lease loss provision to assets | 0.0513% | 2,901 |
| Net operating income to assets | 0.7739% | 3,377 |
| Return on assets (ROA) | 0.7739% | 3,479 |
| Pretax return on assets | 1.0956% | 3,110 |
| Return on Equity (ROE) | 7.2285% | 3,330 |
| Retained earnings to average equity (ytd only) | 2.3297% | 4,321 |
| Net charge-offs to loans | -0.0099% | 4,530 |
| Credit loss provision to net charge-offs | -733.3333% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3215% | 2,424 |
| Assets per employee ($millions) | 3.7918% | 4,315 |
| Cash dividends to net income (ytd only)* | 67.7711% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 3,291 |
| Loan loss allowance to noncurrent loans | 148.3208% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.6852% | 1,157 |
| Noncurrent loans to loans | 0.8309% | 2,764 |
| Net loans and leases to total assets | 69.4863% | 2,428 |
| Net loans and leases to deposits | 86.9287% | 1,950 |
| Net loans and leases to core deposits | 92.6753% | 2,125 |
| Total domestic deposits to total assets | 79.9348% | 4,760 |
| Equity capital to assets | 10.8192% | 3,143 |
| Core capital (leverage) ratio | 10.9404% | 2,456 |
| Tier 1 risk-based capital ratio | 16.6339% | 2,428 |
| Total risk-based capital ratio | 17.8848% | 2,373 |
| Memoranda: | ||
| Average total assets | $343,192,500 | 1,950 |
| Average earning assets | $314,213,500 | 1,978 |
| Average equity | $36,743,500 | 2,001 |
| Average total loans | $241,621,500 | 1,850 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 1,465 |
| Cost of funding earning assets | 0.4900% | 2,256 |
| Net interest margin | 4.0573% | 1,543 |
| Noninterest income to average assets | 0.8411% | 1,638 |
| Noninterest expense to average assets | 3.9926% | 679 |
| Loan and lease loss provision to assets | -0.3376% | 6,080 |
| Net operating income to assets | 0.6472% | 4,049 |
| Return on assets (ROA) | 0.6558% | 4,107 |
| Pretax return on assets | 0.9005% | 3,831 |
| Return on Equity (ROE) | 6.1705% | 3,960 |
| Retained earnings to average equity (ytd only) | 3.6712% | 3,441 |
| Net charge-offs to loans | -0.4138% | 6,064 |
| Credit loss provision to net charge-offs | 115.0905% | 2,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8727% | 840 |
| Assets per employee ($millions) | 3.8347% | 4,236 |
| Cash dividends to net income (ytd only)* | 40.5041% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 3,511 |
| Loan loss allowance to noncurrent loans | 133.7471% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.7446% | 1,093 |
| Noncurrent loans to loans | 0.8945% | 2,554 |
| Net loans and leases to total assets | 69.6113% | 2,430 |
| Net loans and leases to deposits | 90.6345% | 1,541 |
| Net loans and leases to core deposits | 94.2703% | 2,029 |
| Total domestic deposits to total assets | 76.8044% | 5,345 |
| Equity capital to assets | 10.5948% | 3,258 |
| Core capital (leverage) ratio | 11.0533% | 2,346 |
| Tier 1 risk-based capital ratio | 16.3899% | 2,533 |
| Total risk-based capital ratio | 17.6405% | 2,491 |
| Memoranda: | ||
| Average total assets | $338,824,600 | 1,928 |
| Average earning assets | $309,192,000 | 1,969 |
| Average equity | $36,010,200 | 1,982 |
| Average total loans | $240,194,600 | 1,798 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 1,392 |
| Cost of funding earning assets | 0.4967% | 2,243 |
| Net interest margin | 4.0801% | 1,461 |
| Noninterest income to average assets | 0.8377% | 1,659 |
| Noninterest expense to average assets | 4.1527% | 559 |
| Loan and lease loss provision to assets | -0.4479% | 6,195 |
| Net operating income to assets | 0.5973% | 4,398 |
| Return on assets (ROA) | 0.6045% | 4,468 |
| Pretax return on assets | 0.8619% | 4,130 |
| Return on Equity (ROE) | 5.6831% | 4,314 |
| Retained earnings to average equity (ytd only) | 2.3379% | 4,718 |
| Net charge-offs to loans | -0.5696% | 6,171 |
| Credit loss provision to net charge-offs | 110.7527% | 2,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1410% | 621 |
| Assets per employee ($millions) | 3.6511% | 4,516 |
| Cash dividends to net income (ytd only)* | 58.8619% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 3,529 |
| Loan loss allowance to noncurrent loans | 122.4159% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.9220% | 1,082 |
| Noncurrent loans to loans | 0.9991% | 2,486 |
| Net loans and leases to total assets | 70.9020% | 2,250 |
| Net loans and leases to deposits | 91.9480% | 1,412 |
| Net loans and leases to core deposits | 95.6459% | 1,917 |
| Total domestic deposits to total assets | 77.1110% | 5,324 |
| Equity capital to assets | 10.7352% | 3,319 |
| Core capital (leverage) ratio | 10.8630% | 2,632 |
| Tier 1 risk-based capital ratio | 16.2948% | 2,674 |
| Total risk-based capital ratio | 17.5459% | 2,622 |
| Memoranda: | ||
| Average total assets | $337,250,250 | 1,953 |
| Average earning assets | $307,372,500 | 1,994 |
| Average equity | $35,871,500 | 1,996 |
| Average total loans | $239,455,000 | 1,806 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5425% | 1,419 |
| Cost of funding earning assets | 0.5032% | 2,218 |
| Net interest margin | 4.0393% | 1,524 |
| Noninterest income to average assets | 0.8493% | 1,605 |
| Noninterest expense to average assets | 4.4815% | 428 |
| Loan and lease loss provision to assets | -0.2055% | 6,184 |
| Net operating income to assets | 0.2083% | 5,675 |
| Return on assets (ROA) | 0.2209% | 5,716 |
| Pretax return on assets | 0.2683% | 5,711 |
| Return on Equity (ROE) | 2.0833% | 5,659 |
| Retained earnings to average equity (ytd only) | -0.4301% | 5,592 |
| Net charge-offs to loans | -0.2629% | 6,094 |
| Credit loss provision to net charge-offs | 110.5096% | 1,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9538% | 350 |
| Assets per employee ($millions) | 3.6578% | 4,523 |
| Cash dividends to net income (ytd only)* | 120.6434% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 3,466 |
| Loan loss allowance to noncurrent loans | 104.7059% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 2.1721% | 974 |
| Noncurrent loans to loans | 1.2021% | 2,256 |
| Net loans and leases to total assets | 69.7845% | 2,348 |
| Net loans and leases to deposits | 91.0384% | 1,478 |
| Net loans and leases to core deposits | 95.0115% | 1,877 |
| Total domestic deposits to total assets | 76.6538% | 5,511 |
| Equity capital to assets | 10.4155% | 3,542 |
| Core capital (leverage) ratio | 10.5966% | 2,851 |
| Tier 1 risk-based capital ratio | 16.5077% | 2,600 |
| Total risk-based capital ratio | 17.7596% | 2,555 |
| Memoranda: | ||
| Average total assets | $337,699,330 | 1,966 |
| Average earning assets | $307,625,000 | 1,997 |
| Average equity | $35,808,670 | 2,010 |
| Average total loans | $238,903,000 | 1,817 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4676% | 1,557 |
| Cost of funding earning assets | 0.5311% | 2,004 |
| Net interest margin | 3.9366% | 1,764 |
| Noninterest income to average assets | 0.7906% | 1,749 |
| Noninterest expense to average assets | 3.5332% | 1,241 |
| Loan and lease loss provision to assets | 0.0464% | 2,999 |
| Net operating income to assets | 0.5790% | 4,363 |
| Return on assets (ROA) | 0.6016% | 4,379 |
| Pretax return on assets | 0.8286% | 4,135 |
| Return on Equity (ROE) | 5.6226% | 4,220 |
| Retained earnings to average equity (ytd only) | 0.6223% | 5,189 |
| Net charge-offs to loans | -0.0353% | 5,340 |
| Credit loss provision to net charge-offs | -185.7143% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7170% | 1,798 |
| Assets per employee ($millions) | 3.6350% | 4,649 |
| Cash dividends to net income (ytd only)* | 88.9328% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 3,356 |
| Loan loss allowance to noncurrent loans | 68.7307% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 2.6134% | 798 |
| Noncurrent loans to loans | 1.9032% | 1,416 |
| Net loans and leases to total assets | 69.6097% | 2,191 |
| Net loans and leases to deposits | 89.5499% | 1,436 |
| Net loans and leases to core deposits | 93.5555% | 1,805 |
| Total domestic deposits to total assets | 77.7329% | 5,494 |
| Equity capital to assets | 10.6955% | 3,322 |
| Core capital (leverage) ratio | 10.7335% | 2,710 |
| Tier 1 risk-based capital ratio | 16.7634% | 2,575 |
| Total risk-based capital ratio | 18.0158% | 2,523 |
| Memoranda: | ||
| Average total assets | $336,461,000 | 1,980 |
| Average earning assets | $306,559,500 | 2,010 |
| Average equity | $35,997,500 | 2,012 |
| Average total loans | $238,146,500 | 1,825 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6684% | 1,374 |
| Cost of funding earning assets | 0.6575% | 1,360 |
| Net interest margin | 4.0109% | 1,868 |
| Noninterest income to average assets | 0.8110% | 1,828 |
| Noninterest expense to average assets | 3.5008% | 1,476 |
| Loan and lease loss provision to assets | 0.1047% | 2,406 |
| Net operating income to assets | 0.6528% | 4,123 |
| Return on assets (ROA) | 0.6528% | 4,233 |
| Pretax return on assets | 0.8655% | 4,020 |
| Return on Equity (ROE) | 6.3475% | 3,977 |
| Retained earnings to average equity (ytd only) | 3.7508% | 3,548 |
| Net charge-offs to loans | 0.4306% | 984 |
| Credit loss provision to net charge-offs | 34.4390% | 3,778 |
| Earnings coverage of net charge-offs (x) | 3.1902% | 3,949 |
| Efficiency ratio | 78.2984% | 2,163 |
| Assets per employee ($millions) | 3.6007% | 4,717 |
| Cash dividends to net income (ytd only)* | 40.9091% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 3,507 |
| Loan loss allowance to noncurrent loans | 90.6102% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 2.3335% | 1,011 |
| Noncurrent loans to loans | 1.4194% | 2,071 |
| Net loans and leases to total assets | 70.1161% | 2,224 |
| Net loans and leases to deposits | 90.8455% | 1,425 |
| Net loans and leases to core deposits | 95.0248% | 1,812 |
| Total domestic deposits to total assets | 77.1817% | 5,573 |
| Equity capital to assets | 10.7023% | 3,232 |
| Core capital (leverage) ratio | 10.7798% | 2,636 |
| Tier 1 risk-based capital ratio | 17.2153% | 2,419 |
| Total risk-based capital ratio | 18.4681% | 2,374 |
| Memoranda: | ||
| Average total assets | $337,012,000 | 1,928 |
| Average earning assets | $307,534,200 | 1,951 |
| Average equity | $34,659,200 | 2,013 |
| Average total loans | $238,042,400 | 1,776 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 1,376 |
| Cost of funding earning assets | 0.6790% | 1,262 |
| Net interest margin | 3.9931% | 1,898 |
| Noninterest income to average assets | 0.7959% | 1,911 |
| Noninterest expense to average assets | 3.4609% | 1,549 |
| Loan and lease loss provision to assets | 0.1153% | 2,131 |
| Net operating income to assets | 0.6419% | 4,251 |
| Return on assets (ROA) | 0.6419% | 4,346 |
| Pretax return on assets | 0.8666% | 4,118 |
| Return on Equity (ROE) | 6.3048% | 4,078 |
| Retained earnings to average equity (ytd only) | 2.8129% | 4,600 |
| Net charge-offs to loans | 0.2050% | 1,832 |
| Credit loss provision to net charge-offs | 79.7814% | 2,595 |
| Earnings coverage of net charge-offs (x) | 6.7923% | 3,031 |
| Efficiency ratio | 77.8983% | 2,193 |
| Assets per employee ($millions) | 3.5147% | 4,833 |
| Cash dividends to net income (ytd only)* | 55.3847% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 2,587 |
| Loan loss allowance to noncurrent loans | 92.2786% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 2.2353% | 1,229 |
| Noncurrent loans to loans | 1.6549% | 1,970 |
| Net loans and leases to total assets | 69.8881% | 2,211 |
| Net loans and leases to deposits | 90.5586% | 1,372 |
| Net loans and leases to core deposits | 95.0387% | 1,755 |
| Total domestic deposits to total assets | 77.1744% | 5,648 |
| Equity capital to assets | 10.4223% | 3,654 |
| Core capital (leverage) ratio | 10.5482% | 2,984 |
| Tier 1 risk-based capital ratio | 16.7906% | 2,692 |
| Total risk-based capital ratio | 18.0465% | 2,636 |
| Memoranda: | ||
| Average total assets | $337,549,250 | 1,935 |
| Average earning assets | $308,289,500 | 1,960 |
| Average equity | $34,364,500 | 2,031 |
| Average total loans | $238,090,000 | 1,777 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6698% | 1,348 |
| Cost of funding earning assets | 0.6945% | 1,216 |
| Net interest margin | 3.9753% | 1,885 |
| Noninterest income to average assets | 0.7524% | 2,034 |
| Noninterest expense to average assets | 3.4100% | 1,656 |
| Loan and lease loss provision to assets | 0.1647% | 1,494 |
| Net operating income to assets | 0.6143% | 4,284 |
| Return on assets (ROA) | 0.6143% | 4,382 |
| Pretax return on assets | 0.8063% | 4,240 |
| Return on Equity (ROE) | 6.0826% | 4,111 |
| Retained earnings to average equity (ytd only) | 3.4431% | 4,008 |
| Net charge-offs to loans | 0.2129% | 1,751 |
| Credit loss provision to net charge-offs | 109.8814% | 1,826 |
| Earnings coverage of net charge-offs (x) | 6.4783% | 2,766 |
| Efficiency ratio | 77.8364% | 2,314 |
| Assets per employee ($millions) | 3.4918% | 4,868 |
| Cash dividends to net income (ytd only)* | 43.3944% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 2,565 |
| Loan loss allowance to noncurrent loans | 129.6514% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 2.2140% | 1,368 |
| Noncurrent loans to loans | 1.2144% | 2,804 |
| Net loans and leases to total assets | 69.3208% | 2,185 |
| Net loans and leases to deposits | 88.9129% | 1,490 |
| Net loans and leases to core deposits | 92.4834% | 1,902 |
| Total domestic deposits to total assets | 77.9648% | 5,636 |
| Equity capital to assets | 10.3154% | 3,667 |
| Core capital (leverage) ratio | 10.4564% | 2,995 |
| Tier 1 risk-based capital ratio | 16.5039% | 2,828 |
| Total risk-based capital ratio | 17.7604% | 2,789 |
| Memoranda: | ||
| Average total assets | $337,595,330 | 1,937 |
| Average earning assets | $308,153,330 | 1,961 |
| Average equity | $34,097,330 | 2,037 |
| Average total loans | $237,631,000 | 1,772 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 1,251 |
| Cost of funding earning assets | 0.7047% | 1,219 |
| Net interest margin | 3.9975% | 1,773 |
| Noninterest income to average assets | 0.7299% | 2,028 |
| Noninterest expense to average assets | 3.3290% | 1,882 |
| Loan and lease loss provision to assets | 0.1650% | 1,472 |
| Net operating income to assets | 0.6527% | 3,939 |
| Return on assets (ROA) | 0.6527% | 4,036 |
| Pretax return on assets | 0.8782% | 3,791 |
| Return on Equity (ROE) | 6.5327% | 3,725 |
| Retained earnings to average equity (ytd only) | 1.1878% | 5,128 |
| Net charge-offs to loans | 0.2833% | 1,214 |
| Credit loss provision to net charge-offs | 82.7381% | 1,874 |
| Earnings coverage of net charge-offs (x) | 5.2321% | 2,402 |
| Efficiency ratio | 76.1401% | 2,776 |
| Assets per employee ($millions) | 3.6100% | 4,695 |
| Cash dividends to net income (ytd only)* | 81.8182% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 2,906 |
| Loan loss allowance to noncurrent loans | 79.1195% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 2.6543% | 1,161 |
| Noncurrent loans to loans | 1.9641% | 1,911 |
| Net loans and leases to total assets | 69.1126% | 2,043 |
| Net loans and leases to deposits | 88.2515% | 1,326 |
| Net loans and leases to core deposits | 91.7338% | 1,756 |
| Total domestic deposits to total assets | 78.3132% | 5,782 |
| Equity capital to assets | 10.0234% | 3,816 |
| Core capital (leverage) ratio | 10.4290% | 3,016 |
| Tier 1 risk-based capital ratio | 16.4696% | 2,911 |
| Total risk-based capital ratio | 17.7260% | 2,880 |
| Memoranda: | ||
| Average total assets | $337,039,000 | 1,944 |
| Average earning assets | $307,095,000 | 1,967 |
| Average equity | $33,676,500 | 2,049 |
| Average total loans | $237,171,000 | 1,775 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 1,135 |
| Cost of funding earning assets | 0.8120% | 1,148 |
| Net interest margin | 4.0666% | 1,741 |
| Noninterest income to average assets | 0.7079% | 2,498 |
| Noninterest expense to average assets | 3.4595% | 1,753 |
| Loan and lease loss provision to assets | 0.2224% | 1,639 |
| Net operating income to assets | 0.5757% | 4,379 |
| Return on assets (ROA) | 0.5757% | 4,492 |
| Pretax return on assets | 0.7424% | 4,370 |
| Return on Equity (ROE) | 5.8063% | 4,207 |
| Retained earnings to average equity (ytd only) | 2.6862% | 4,324 |
| Net charge-offs to loans | 0.1678% | 3,140 |
| Credit loss provision to net charge-offs | 188.2793% | 1,214 |
| Earnings coverage of net charge-offs (x) | 8.1671% | 2,716 |
| Efficiency ratio | 78.1928% | 2,440 |
| Assets per employee ($millions) | 3.5611% | 4,779 |
| Cash dividends to net income (ytd only)* | 53.7359% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5802% | 2,839 |
| Loan loss allowance to noncurrent loans | 73.3438% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 2.8028% | 1,167 |
| Noncurrent loans to loans | 2.1544% | 1,823 |
| Net loans and leases to total assets | 69.4221% | 2,106 |
| Net loans and leases to deposits | 88.0700% | 1,452 |
| Net loans and leases to core deposits | 91.6085% | 1,833 |
| Total domestic deposits to total assets | 78.8261% | 5,685 |
| Equity capital to assets | 9.9599% | 3,825 |
| Core capital (leverage) ratio | 10.4441% | 2,970 |
| Tier 1 risk-based capital ratio | 16.5537% | 2,822 |
| Total risk-based capital ratio | 17.8105% | 2,792 |
| Memoranda: | ||
| Average total assets | $339,437,800 | 1,895 |
| Average earning assets | $310,210,600 | 1,911 |
| Average equity | $33,653,200 | 2,050 |
| Average total loans | $238,954,400 | 1,736 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9113% | 1,098 |
| Cost of funding earning assets | 0.8357% | 1,117 |
| Net interest margin | 4.0756% | 1,703 |
| Noninterest income to average assets | 0.6909% | 2,657 |
| Noninterest expense to average assets | 3.4052% | 1,812 |
| Loan and lease loss provision to assets | 0.2983% | 1,141 |
| Net operating income to assets | 0.5598% | 4,529 |
| Return on assets (ROA) | 0.5598% | 4,682 |
| Pretax return on assets | 0.7179% | 4,626 |
| Return on Equity (ROE) | 5.6523% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.0949% | 5,070 |
| Net charge-offs to loans | 0.1841% | 2,755 |
| Credit loss provision to net charge-offs | 230.2115% | 1,055 |
| Earnings coverage of net charge-offs (x) | 7.8429% | 2,717 |
| Efficiency ratio | 77.0164% | 2,559 |
| Assets per employee ($millions) | 3.5296% | 4,794 |
| Cash dividends to net income (ytd only)* | 62.9370% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 2,968 |
| Loan loss allowance to noncurrent loans | 85.6115% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 2.6433% | 1,430 |
| Noncurrent loans to loans | 1.8789% | 2,400 |
| Net loans and leases to total assets | 70.2059% | 1,926 |
| Net loans and leases to deposits | 88.6191% | 1,302 |
| Net loans and leases to core deposits | 92.4850% | 1,721 |
| Total domestic deposits to total assets | 79.2221% | 5,693 |
| Equity capital to assets | 10.0584% | 3,818 |
| Core capital (leverage) ratio | 10.1698% | 3,443 |
| Tier 1 risk-based capital ratio | 16.2720% | 3,054 |
| Total risk-based capital ratio | 17.3780% | 3,081 |
| Memoranda: | ||
| Average total assets | $340,611,750 | 1,900 |
| Average earning assets | $311,763,000 | 1,916 |
| Average equity | $33,731,500 | 2,059 |
| Average total loans | $239,664,000 | 1,723 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8713% | 1,172 |
| Cost of funding earning assets | 0.8543% | 1,121 |
| Net interest margin | 4.0171% | 1,801 |
| Noninterest income to average assets | 0.6561% | 2,881 |
| Noninterest expense to average assets | 3.3677% | 1,894 |
| Loan and lease loss provision to assets | 0.2783% | 1,321 |
| Net operating income to assets | 0.5449% | 4,574 |
| Return on assets (ROA) | 0.5449% | 4,746 |
| Pretax return on assets | 0.6893% | 4,717 |
| Return on Equity (ROE) | 5.5301% | 4,441 |
| Retained earnings to average equity (ytd only) | 2.8714% | 4,486 |
| Net charge-offs to loans | 0.2377% | 2,298 |
| Credit loss provision to net charge-offs | 167.1329% | 1,404 |
| Earnings coverage of net charge-offs (x) | 5.8112% | 2,824 |
| Efficiency ratio | 77.6823% | 2,513 |
| Assets per employee ($millions) | 3.6494% | 4,521 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 3,615 |
| Loan loss allowance to noncurrent loans | 50.4809% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 3.3352% | 1,175 |
| Noncurrent loans to loans | 2.9612% | 1,508 |
| Net loans and leases to total assets | 68.5592% | 2,138 |
| Net loans and leases to deposits | 87.5307% | 1,402 |
| Net loans and leases to core deposits | 91.5203% | 1,759 |
| Total domestic deposits to total assets | 78.3260% | 5,918 |
| Equity capital to assets | 9.6659% | 4,363 |
| Core capital (leverage) ratio | 9.9878% | 3,547 |
| Tier 1 risk-based capital ratio | 15.8176% | 3,307 |
| Total risk-based capital ratio | 17.0747% | 3,248 |
| Memoranda: | ||
| Average total assets | $343,555,330 | 1,898 |
| Average earning assets | $314,657,330 | 1,903 |
| Average equity | $33,851,330 | 2,058 |
| Average total loans | $240,639,330 | 1,720 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8909% | 1,111 |
| Cost of funding earning assets | 0.8754% | 1,114 |
| Net interest margin | 4.0155% | 1,726 |
| Noninterest income to average assets | 0.6306% | 2,977 |
| Noninterest expense to average assets | 3.4472% | 1,728 |
| Loan and lease loss provision to assets | 0.2257% | 1,629 |
| Net operating income to assets | 0.5177% | 4,573 |
| Return on assets (ROA) | 0.5177% | 4,719 |
| Pretax return on assets | 0.6399% | 4,803 |
| Return on Equity (ROE) | 5.2050% | 4,459 |
| Retained earnings to average equity (ytd only) | -0.0585% | 5,784 |
| Net charge-offs to loans | -0.0712% | 6,283 |
| Credit loss provision to net charge-offs | -451.1628% | 5,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9299% | 2,341 |
| Assets per employee ($millions) | 3.6211% | 4,736 |
| Cash dividends to net income (ytd only)* | 101.1236% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 3,836 |
| Loan loss allowance to noncurrent loans | 50.5313% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 3.4000% | 1,272 |
| Noncurrent loans to loans | 2.9675% | 1,694 |
| Net loans and leases to total assets | 69.0100% | 1,841 |
| Net loans and leases to deposits | 87.6855% | 1,177 |
| Net loans and leases to core deposits | 92.2106% | 1,486 |
| Total domestic deposits to total assets | 78.7018% | 6,013 |
| Equity capital to assets | 9.9225% | 4,248 |
| Core capital (leverage) ratio | 9.8366% | 3,614 |
| Tier 1 risk-based capital ratio | 15.5927% | 3,475 |
| Total risk-based capital ratio | 16.8476% | 3,439 |
| Memoranda: | ||
| Average total assets | $343,812,000 | 1,916 |
| Average earning assets | $315,278,000 | 1,924 |
| Average equity | $34,198,000 | 2,061 |
| Average total loans | $241,581,000 | 1,719 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1535% | 1,201 |
| Cost of funding earning assets | 1.0770% | 995 |
| Net interest margin | 4.0766% | 2,095 |
| Noninterest income to average assets | 0.6899% | 2,774 |
| Noninterest expense to average assets | 3.2738% | 2,415 |
| Loan and lease loss provision to assets | 0.3611% | 1,836 |
| Net operating income to assets | 0.5851% | 4,306 |
| Return on assets (ROA) | 0.5887% | 4,552 |
| Pretax return on assets | 0.7891% | 4,335 |
| Return on Equity (ROE) | 6.0818% | 4,130 |
| Retained earnings to average equity (ytd only) | 2.8122% | 4,258 |
| Net charge-offs to loans | 0.3017% | 3,139 |
| Credit loss provision to net charge-offs | 170.6522% | 1,550 |
| Earnings coverage of net charge-offs (x) | 5.4130% | 3,044 |
| Efficiency ratio | 74.0827% | 3,057 |
| Assets per employee ($millions) | 3.6555% | 4,660 |
| Cash dividends to net income (ytd only)* | 53.7598% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 4,196 |
| Loan loss allowance to noncurrent loans | 61.0559% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 2.9803% | 1,589 |
| Noncurrent loans to loans | 2.2841% | 2,370 |
| Net loans and leases to total assets | 69.4877% | 1,946 |
| Net loans and leases to deposits | 88.5486% | 1,210 |
| Net loans and leases to core deposits | 92.9349% | 1,560 |
| Total domestic deposits to total assets | 78.4741% | 5,997 |
| Equity capital to assets | 9.9709% | 4,209 |
| Core capital (leverage) ratio | 9.7449% | 3,743 |
| Tier 1 risk-based capital ratio | 15.4677% | 3,442 |
| Total risk-based capital ratio | 16.7238% | 3,404 |
| Memoranda: | ||
| Average total assets | $347,856,400 | 1,858 |
| Average earning assets | $318,209,600 | 1,861 |
| Average equity | $33,674,400 | 2,051 |
| Average total loans | $243,912,200 | 1,694 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1823% | 1,235 |
| Cost of funding earning assets | 1.1141% | 1,005 |
| Net interest margin | 4.0682% | 2,214 |
| Noninterest income to average assets | 0.6802% | 2,812 |
| Noninterest expense to average assets | 3.3161% | 2,224 |
| Loan and lease loss provision to assets | 0.3600% | 1,805 |
| Net operating income to assets | 0.5526% | 4,613 |
| Return on assets (ROA) | 0.5575% | 4,843 |
| Pretax return on assets | 0.7306% | 4,744 |
| Return on Equity (ROE) | 5.8020% | 4,437 |
| Retained earnings to average equity (ytd only) | 1.8253% | 5,421 |
| Net charge-offs to loans | 0.3214% | 2,839 |
| Credit loss provision to net charge-offs | 159.9321% | 1,748 |
| Earnings coverage of net charge-offs (x) | 4.8167% | 3,193 |
| Efficiency ratio | 75.3626% | 2,767 |
| Assets per employee ($millions) | 3.7728% | 4,365 |
| Cash dividends to net income (ytd only)* | 68.5403% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 4,747 |
| Loan loss allowance to noncurrent loans | 55.0600% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 3.0147% | 1,733 |
| Noncurrent loans to loans | 2.3884% | 2,416 |
| Net loans and leases to total assets | 69.3993% | 2,036 |
| Net loans and leases to deposits | 88.8786% | 1,263 |
| Net loans and leases to core deposits | 93.2911% | 1,652 |
| Total domestic deposits to total assets | 78.0833% | 6,058 |
| Equity capital to assets | 9.7848% | 4,804 |
| Core capital (leverage) ratio | 9.5678% | 4,164 |
| Tier 1 risk-based capital ratio | 15.2207% | 3,695 |
| Total risk-based capital ratio | 16.4730% | 3,640 |
| Memoranda: | ||
| Average total assets | $348,915,750 | 1,876 |
| Average earning assets | $319,050,500 | 1,880 |
| Average equity | $33,527,500 | 2,072 |
| Average total loans | $244,352,750 | 1,702 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2239% | 1,192 |
| Cost of funding earning assets | 1.1577% | 989 |
| Net interest margin | 4.0662% | 2,225 |
| Noninterest income to average assets | 0.6855% | 2,746 |
| Noninterest expense to average assets | 3.3022% | 2,294 |
| Loan and lease loss provision to assets | 0.3593% | 1,841 |
| Net operating income to assets | 0.5584% | 4,545 |
| Return on assets (ROA) | 0.5653% | 4,797 |
| Pretax return on assets | 0.7473% | 4,670 |
| Return on Equity (ROE) | 5.9193% | 4,361 |
| Retained earnings to average equity (ytd only) | 3.2233% | 4,466 |
| Net charge-offs to loans | 0.3731% | 2,527 |
| Credit loss provision to net charge-offs | 137.7193% | 2,000 |
| Earnings coverage of net charge-offs (x) | 4.2061% | 3,148 |
| Efficiency ratio | 75.0553% | 2,887 |
| Assets per employee ($millions) | 3.7725% | 4,379 |
| Cash dividends to net income (ytd only)* | 45.5466% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 5,152 |
| Loan loss allowance to noncurrent loans | 50.9675% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 3.1761% | 1,716 |
| Noncurrent loans to loans | 2.4386% | 2,464 |
| Net loans and leases to total assets | 68.6001% | 2,188 |
| Net loans and leases to deposits | 88.6057% | 1,304 |
| Net loans and leases to core deposits | 93.0552% | 1,680 |
| Total domestic deposits to total assets | 77.4217% | 6,264 |
| Equity capital to assets | 9.6297% | 4,867 |
| Core capital (leverage) ratio | 9.4941% | 4,148 |
| Tier 1 risk-based capital ratio | 15.0386% | 3,747 |
| Total risk-based capital ratio | 16.2903% | 3,703 |
| Memoranda: | ||
| Average total assets | $349,521,000 | 1,872 |
| Average earning assets | $319,263,330 | 1,875 |
| Average equity | $33,382,330 | 2,070 |
| Average total loans | $244,438,670 | 1,694 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2924% | 1,108 |
| Cost of funding earning assets | 1.1871% | 1,044 |
| Net interest margin | 4.1053% | 2,068 |
| Noninterest income to average assets | 0.7052% | 2,636 |
| Noninterest expense to average assets | 3.3343% | 2,189 |
| Loan and lease loss provision to assets | 0.3600% | 1,752 |
| Net operating income to assets | 0.5710% | 4,489 |
| Return on assets (ROA) | 0.5710% | 4,712 |
| Pretax return on assets | 0.7579% | 4,576 |
| Return on Equity (ROE) | 6.0034% | 4,291 |
| Retained earnings to average equity (ytd only) | 0.5786% | 5,819 |
| Net charge-offs to loans | 0.2892% | 2,514 |
| Credit loss provision to net charge-offs | 177.4011% | 1,446 |
| Earnings coverage of net charge-offs (x) | 5.5085% | 2,356 |
| Efficiency ratio | 74.8905% | 2,960 |
| Assets per employee ($millions) | 3.7241% | 4,598 |
| Cash dividends to net income (ytd only)* | 90.3614% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 5,552 |
| Loan loss allowance to noncurrent loans | 43.8920% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 3.2797% | 1,760 |
| Noncurrent loans to loans | 2.7056% | 2,410 |
| Net loans and leases to total assets | 68.4092% | 2,039 |
| Net loans and leases to deposits | 88.7759% | 1,080 |
| Net loans and leases to core deposits | 93.0911% | 1,537 |
| Total domestic deposits to total assets | 77.0583% | 6,396 |
| Equity capital to assets | 9.4795% | 4,838 |
| Core capital (leverage) ratio | 9.3846% | 4,218 |
| Tier 1 risk-based capital ratio | 14.7035% | 3,954 |
| Total risk-based capital ratio | 15.9529% | 3,914 |
| Memoranda: | ||
| Average total assets | $348,860,500 | 1,892 |
| Average earning assets | $318,421,500 | 1,884 |
| Average equity | $33,181,000 | 2,085 |
| Average total loans | $244,804,500 | 1,691 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4454% | 1,313 |
| Cost of funding earning assets | 1.5120% | 681 |
| Net interest margin | 3.9334% | 3,191 |
| Noninterest income to average assets | 0.6535% | 2,869 |
| Noninterest expense to average assets | 3.1181% | 3,139 |
| Loan and lease loss provision to assets | 0.6201% | 1,657 |
| Net operating income to assets | 0.4133% | 4,800 |
| Return on assets (ROA) | 0.4133% | 4,990 |
| Pretax return on assets | 0.5180% | 4,938 |
| Return on Equity (ROE) | 4.3721% | 4,691 |
| Retained earnings to average equity (ytd only) | 2.3944% | 4,516 |
| Net charge-offs to loans | 0.9410% | 1,847 |
| Credit loss provision to net charge-offs | 93.1720% | 3,869 |
| Earnings coverage of net charge-offs (x) | 1.7100% | 4,498 |
| Efficiency ratio | 73.2599% | 3,346 |
| Assets per employee ($millions) | 3.7383% | 4,467 |
| Cash dividends to net income (ytd only)* | 45.2331% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 5,598 |
| Loan loss allowance to noncurrent loans | 42.9237% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 3.3904% | 1,747 |
| Noncurrent loans to loans | 2.6919% | 2,416 |
| Net loans and leases to total assets | 70.2986% | 1,969 |
| Net loans and leases to deposits | 91.4914% | 1,014 |
| Net loans and leases to core deposits | 95.8736% | 1,504 |
| Total domestic deposits to total assets | 76.8363% | 6,361 |
| Equity capital to assets | 9.5432% | 4,810 |
| Core capital (leverage) ratio | 9.4411% | 4,122 |
| Tier 1 risk-based capital ratio | 14.5159% | 3,962 |
| Total risk-based capital ratio | 15.7665% | 3,937 |
| Memoranda: | ||
| Average total assets | $347,674,400 | 1,864 |
| Average earning assets | $318,453,600 | 1,848 |
| Average equity | $32,867,800 | 2,030 |
| Average total loans | $245,918,800 | 1,701 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4920% | 1,266 |
| Cost of funding earning assets | 1.5911% | 607 |
| Net interest margin | 3.9009% | 3,379 |
| Noninterest income to average assets | 0.6443% | 2,921 |
| Noninterest expense to average assets | 3.1070% | 3,135 |
| Loan and lease loss provision to assets | 0.4763% | 2,085 |
| Net operating income to assets | 0.5035% | 4,535 |
| Return on assets (ROA) | 0.5035% | 4,718 |
| Pretax return on assets | 0.6374% | 4,695 |
| Return on Equity (ROE) | 5.3388% | 4,377 |
| Retained earnings to average equity (ytd only) | 2.6959% | 4,746 |
| Net charge-offs to loans | 1.0337% | 1,548 |
| Credit loss provision to net charge-offs | 65.2311% | 4,621 |
| Earnings coverage of net charge-offs (x) | 1.5252% | 4,496 |
| Efficiency ratio | 73.6144% | 3,254 |
| Assets per employee ($millions) | 3.8160% | 4,276 |
| Cash dividends to net income (ytd only)* | 49.5053% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 6,425 |
| Loan loss allowance to noncurrent loans | 47.3536% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 2.7424% | 2,365 |
| Noncurrent loans to loans | 2.0248% | 3,334 |
| Net loans and leases to total assets | 69.9923% | 2,085 |
| Net loans and leases to deposits | 92.0442% | 1,007 |
| Net loans and leases to core deposits | 96.3418% | 1,573 |
| Total domestic deposits to total assets | 76.0420% | 6,531 |
| Equity capital to assets | 9.6261% | 4,897 |
| Core capital (leverage) ratio | 9.3671% | 4,352 |
| Tier 1 risk-based capital ratio | 14.6005% | 3,902 |
| Total risk-based capital ratio | 15.6708% | 4,004 |
| Memoranda: | ||
| Average total assets | $347,678,000 | 1,868 |
| Average earning assets | $318,759,000 | 1,860 |
| Average equity | $32,790,250 | 2,027 |
| Average total loans | $245,584,250 | 1,717 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4864% | 1,329 |
| Cost of funding earning assets | 1.6477% | 573 |
| Net interest margin | 3.8387% | 3,590 |
| Noninterest income to average assets | 0.6440% | 2,887 |
| Noninterest expense to average assets | 3.1327% | 3,136 |
| Loan and lease loss provision to assets | 0.2749% | 3,185 |
| Net operating income to assets | 0.5773% | 4,168 |
| Return on assets (ROA) | 0.5773% | 4,295 |
| Pretax return on assets | 0.7515% | 4,209 |
| Return on Equity (ROE) | 6.1637% | 3,880 |
| Retained earnings to average equity (ytd only) | 3.4011% | 4,097 |
| Net charge-offs to loans | 0.3990% | 2,964 |
| Credit loss provision to net charge-offs | 97.5510% | 3,232 |
| Earnings coverage of net charge-offs (x) | 3.6429% | 3,098 |
| Efficiency ratio | 75.3214% | 3,134 |
| Assets per employee ($millions) | 3.6956% | 4,455 |
| Cash dividends to net income (ytd only)* | 44.8207% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 5,422 |
| Loan loss allowance to noncurrent loans | 38.1527% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 3.6017% | 1,822 |
| Noncurrent loans to loans | 3.2197% | 2,222 |
| Net loans and leases to total assets | 69.5082% | 2,317 |
| Net loans and leases to deposits | 90.4854% | 1,220 |
| Net loans and leases to core deposits | 95.1935% | 1,766 |
| Total domestic deposits to total assets | 76.8171% | 6,479 |
| Equity capital to assets | 9.5584% | 4,724 |
| Core capital (leverage) ratio | 9.3128% | 4,234 |
| Tier 1 risk-based capital ratio | 14.4547% | 3,822 |
| Total risk-based capital ratio | 15.8073% | 3,727 |
| Memoranda: | ||
| Average total assets | $347,819,330 | 1,878 |
| Average earning assets | $318,495,670 | 1,874 |
| Average equity | $32,578,000 | 2,023 |
| Average total loans | $245,644,330 | 1,736 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5288% | 1,223 |
| Cost of funding earning assets | 1.6777% | 612 |
| Net interest margin | 3.8511% | 3,371 |
| Noninterest income to average assets | 0.6574% | 2,793 |
| Noninterest expense to average assets | 3.1480% | 3,076 |
| Loan and lease loss provision to assets | 0.2747% | 2,955 |
| Net operating income to assets | 0.5839% | 4,120 |
| Return on assets (ROA) | 0.5839% | 4,186 |
| Pretax return on assets | 0.7620% | 4,049 |
| Return on Equity (ROE) | 6.2979% | 3,729 |
| Retained earnings to average equity (ytd only) | 0.7191% | 5,537 |
| Net charge-offs to loans | 0.5117% | 2,199 |
| Credit loss provision to net charge-offs | 75.8730% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.8635% | 2,938 |
| Efficiency ratio | 75.2266% | 3,297 |
| Assets per employee ($millions) | 3.7458% | 4,437 |
| Cash dividends to net income (ytd only)* | 88.5827% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 5,627 |
| Loan loss allowance to noncurrent loans | 96.3291% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 2.1926% | 3,074 |
| Noncurrent loans to loans | 1.2471% | 4,604 |
| Net loans and leases to total assets | 69.3860% | 2,246 |
| Net loans and leases to deposits | 90.2315% | 1,206 |
| Net loans and leases to core deposits | 94.8608% | 1,783 |
| Total domestic deposits to total assets | 76.8977% | 6,549 |
| Equity capital to assets | 9.2712% | 4,778 |
| Core capital (leverage) ratio | 9.1799% | 4,322 |
| Tier 1 risk-based capital ratio | 14.2135% | 3,931 |
| Total risk-based capital ratio | 15.5356% | 3,836 |
| Memoranda: | ||
| Average total assets | $348,034,500 | 1,892 |
| Average earning assets | $318,766,500 | 1,881 |
| Average equity | $32,264,500 | 2,030 |
| Average total loans | $246,233,000 | 1,750 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8472% | 1,156 |
| Cost of funding earning assets | 1.8563% | 978 |
| Net interest margin | 3.9909% | 3,058 |
| Noninterest income to average assets | 0.6313% | 3,274 |
| Noninterest expense to average assets | 3.0132% | 3,793 |
| Loan and lease loss provision to assets | 0.4741% | 3,296 |
| Net operating income to assets | 0.5682% | 3,810 |
| Return on assets (ROA) | 0.5682% | 3,968 |
| Pretax return on assets | 0.7958% | 3,654 |
| Return on Equity (ROE) | 6.1416% | 3,552 |
| Retained earnings to average equity (ytd only) | 5.8274% | 1,920 |
| Net charge-offs to loans | 0.3854% | 4,108 |
| Credit loss provision to net charge-offs | 172.0464% | 1,963 |
| Earnings coverage of net charge-offs (x) | 4.6086% | 2,869 |
| Efficiency ratio | 70.3515% | 4,101 |
| Assets per employee ($millions) | 3.7794% | 4,306 |
| Cash dividends to net income (ytd only)* | 5.1151% | 3,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 5,432 |
| Loan loss allowance to noncurrent loans | 75.4882% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 2.5337% | 2,735 |
| Noncurrent loans to loans | 1.6117% | 4,090 |
| Net loans and leases to total assets | 70.4034% | 2,432 |
| Net loans and leases to deposits | 91.2792% | 1,357 |
| Net loans and leases to core deposits | 95.5888% | 2,062 |
| Total domestic deposits to total assets | 77.1297% | 6,465 |
| Equity capital to assets | 9.2698% | 4,722 |
| Core capital (leverage) ratio | 9.1918% | 4,182 |
| Tier 1 risk-based capital ratio | 13.8455% | 3,966 |
| Total risk-based capital ratio | 15.1704% | 3,891 |
| Memoranda: | ||
| Average total assets | $344,051,400 | 1,898 |
| Average earning assets | $314,816,400 | 1,883 |
| Average equity | $31,832,200 | 2,063 |
| Average total loans | $245,999,800 | 1,783 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9154% | 1,101 |
| Cost of funding earning assets | 1.8809% | 1,083 |
| Net interest margin | 4.0345% | 2,937 |
| Noninterest income to average assets | 0.6267% | 3,274 |
| Noninterest expense to average assets | 3.0296% | 3,645 |
| Loan and lease loss provision to assets | 0.2351% | 4,720 |
| Net operating income to assets | 0.7367% | 3,251 |
| Return on assets (ROA) | 0.7367% | 3,412 |
| Pretax return on assets | 1.0534% | 2,986 |
| Return on Equity (ROE) | 7.9665% | 2,915 |
| Retained earnings to average equity (ytd only) | 7.5463% | 1,577 |
| Net charge-offs to loans | 0.3687% | 3,837 |
| Credit loss provision to net charge-offs | 89.1016% | 4,806 |
| Earnings coverage of net charge-offs (x) | 4.8837% | 2,905 |
| Efficiency ratio | 70.1611% | 4,033 |
| Assets per employee ($millions) | 3.7319% | 4,428 |
| Cash dividends to net income (ytd only)* | 5.2743% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9057% | 6,729 |
| Loan loss allowance to noncurrent loans | 176.3449% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 5,032 |
| Noncurrent loans to loans | 0.5136% | 6,172 |
| Net loans and leases to total assets | 70.2723% | 2,671 |
| Net loans and leases to deposits | 91.8334% | 1,469 |
| Net loans and leases to core deposits | 97.0475% | 2,140 |
| Total domestic deposits to total assets | 76.5215% | 6,563 |
| Equity capital to assets | 9.3567% | 5,044 |
| Core capital (leverage) ratio | 9.1767% | 4,407 |
| Tier 1 risk-based capital ratio | 14.1024% | 3,766 |
| Total risk-based capital ratio | 15.1055% | 3,917 |
| Memoranda: | ||
| Average total assets | $343,137,000 | 1,932 |
| Average earning assets | $313,954,500 | 1,920 |
| Average equity | $31,732,250 | 2,084 |
| Average total loans | $245,546,250 | 1,808 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9268% | 1,116 |
| Cost of funding earning assets | 1.8938% | 1,263 |
| Net interest margin | 4.0330% | 2,861 |
| Noninterest income to average assets | 0.6050% | 3,304 |
| Noninterest expense to average assets | 2.9910% | 3,745 |
| Loan and lease loss provision to assets | 0.2024% | 4,850 |
| Net operating income to assets | 0.7817% | 3,059 |
| Return on assets (ROA) | 0.7817% | 3,203 |
| Pretax return on assets | 1.1058% | 2,769 |
| Return on Equity (ROE) | 8.4866% | 2,673 |
| Retained earnings to average equity (ytd only) | 8.4866% | 1,268 |
| Net charge-offs to loans | 0.5038% | 3,021 |
| Credit loss provision to net charge-offs | 55.9871% | 5,298 |
| Earnings coverage of net charge-offs (x) | 3.6181% | 3,240 |
| Efficiency ratio | 69.5700% | 4,266 |
| Assets per employee ($millions) | 3.6418% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 6,943 |
| Loan loss allowance to noncurrent loans | 169.6870% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 4,982 |
| Noncurrent loans to loans | 0.4938% | 6,259 |
| Net loans and leases to total assets | 70.4627% | 2,800 |
| Net loans and leases to deposits | 91.9155% | 1,549 |
| Net loans and leases to core deposits | 97.7560% | 2,256 |
| Total domestic deposits to total assets | 76.6603% | 6,572 |
| Equity capital to assets | 9.3400% | 4,945 |
| Core capital (leverage) ratio | 9.1311% | 4,406 |
| Tier 1 risk-based capital ratio | 13.7182% | 3,924 |
| Total risk-based capital ratio | 14.6313% | 4,115 |
| Memoranda: | ||
| Average total assets | $341,827,000 | 1,951 |
| Average earning assets | $313,119,670 | 1,948 |
| Average equity | $31,485,000 | 2,095 |
| Average total loans | $245,354,670 | 1,835 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9596% | 1,055 |
| Cost of funding earning assets | 1.9017% | 1,439 |
| Net interest margin | 4.0579% | 2,619 |
| Noninterest income to average assets | 0.6216% | 3,137 |
| Noninterest expense to average assets | 2.9398% | 3,910 |
| Loan and lease loss provision to assets | 0.2001% | 4,499 |
| Net operating income to assets | 0.8406% | 2,789 |
| Return on assets (ROA) | 0.8406% | 2,886 |
| Pretax return on assets | 1.1997% | 2,361 |
| Return on Equity (ROE) | 9.1920% | 2,430 |
| Retained earnings to average equity (ytd only) | 9.1920% | 1,348 |
| Net charge-offs to loans | 0.6658% | 2,157 |
| Credit loss provision to net charge-offs | 41.6667% | 4,611 |
| Earnings coverage of net charge-offs (x) | 2.9142% | 3,093 |
| Efficiency ratio | 67.7428% | 4,775 |
| Assets per employee ($millions) | 3.7477% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 6,973 |
| Loan loss allowance to noncurrent loans | 182.7225% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 1.1853% | 4,805 |
| Noncurrent loans to loans | 0.4686% | 6,359 |
| Net loans and leases to total assets | 71.8820% | 2,478 |
| Net loans and leases to deposits | 93.2806% | 1,436 |
| Net loans and leases to core deposits | 97.6881% | 2,377 |
| Total domestic deposits to total assets | 77.0599% | 6,548 |
| Equity capital to assets | 9.3339% | 4,782 |
| Core capital (leverage) ratio | 9.0628% | 4,452 |
| Tier 1 risk-based capital ratio | 13.4766% | 3,998 |
| Total risk-based capital ratio | 14.3943% | 4,199 |
| Memoranda: | ||
| Average total assets | $339,754,000 | 2,019 |
| Average earning assets | $311,294,000 | 2,004 |
| Average equity | $31,070,500 | 2,141 |
| Average total loans | $245,111,000 | 1,893 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1951% | 1,250 |
| Cost of funding earning assets | 2.1632% | 2,175 |
| Net interest margin | 4.0319% | 2,739 |
| Noninterest income to average assets | 0.7122% | 2,886 |
| Noninterest expense to average assets | 2.9496% | 4,340 |
| Loan and lease loss provision to assets | 0.2229% | 5,580 |
| Net operating income to assets | 0.9179% | 2,115 |
| Return on assets (ROA) | 0.9179% | 2,182 |
| Pretax return on assets | 1.2708% | 1,778 |
| Return on Equity (ROE) | 10.7090% | 1,501 |
| Retained earnings to average equity (ytd only) | 7.5261% | 818 |
| Net charge-offs to loans | 0.3124% | 4,679 |
| Credit loss provision to net charge-offs | 100.6623% | 5,479 |
| Earnings coverage of net charge-offs (x) | 6.7444% | 2,297 |
| Efficiency ratio | 66.3828% | 5,315 |
| Assets per employee ($millions) | 3.8024% | 4,282 |
| Cash dividends to net income (ytd only)* | 29.7220% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 6,636 |
| Loan loss allowance to noncurrent loans | 56.9197% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.8120% | 3,651 |
| Noncurrent loans to loans | 1.6677% | 4,149 |
| Net loans and leases to total assets | 71.1083% | 2,969 |
| Net loans and leases to deposits | 94.4302% | 1,545 |
| Net loans and leases to core deposits | 117.7107% | 2,159 |
| Total domestic deposits to total assets | 75.3024% | 6,810 |
| Equity capital to assets | 8.9588% | 5,208 |
| Core capital (leverage) ratio | 8.6379% | 5,038 |
| Tier 1 risk-based capital ratio | 12.9530% | 4,170 |
| Total risk-based capital ratio | 13.9570% | 4,294 |
| Memoranda: | ||
| Average total assets | $340,891,800 | 1,998 |
| Average earning assets | $315,460,000 | 1,978 |
| Average equity | $29,218,400 | 2,281 |
| Average total loans | $241,660,400 | 1,937 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2293% | 1,296 |
| Cost of funding earning assets | 2.2276% | 2,284 |
| Net interest margin | 4.0017% | 2,814 |
| Noninterest income to average assets | 0.7024% | 2,999 |
| Noninterest expense to average assets | 3.0279% | 3,940 |
| Loan and lease loss provision to assets | 0.1120% | 6,248 |
| Net operating income to assets | 0.8934% | 2,444 |
| Return on assets (ROA) | 0.8934% | 2,519 |
| Pretax return on assets | 1.2759% | 2,022 |
| Return on Equity (ROE) | 10.5431% | 1,751 |
| Retained earnings to average equity (ytd only) | 6.2464% | 1,829 |
| Net charge-offs to loans | 0.1950% | 4,843 |
| Credit loss provision to net charge-offs | 81.2500% | 5,729 |
| Earnings coverage of net charge-offs (x) | 10.0711% | 2,014 |
| Efficiency ratio | 68.5699% | 4,866 |
| Assets per employee ($millions) | 3.8988% | 3,946 |
| Cash dividends to net income (ytd only)* | 40.7538% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9356% | 6,616 |
| Loan loss allowance to noncurrent loans | 47.3508% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 1.9001% | 3,507 |
| Noncurrent loans to loans | 1.9758% | 3,675 |
| Net loans and leases to total assets | 70.5820% | 3,367 |
| Net loans and leases to deposits | 92.7030% | 2,116 |
| Net loans and leases to core deposits | 116.0004% | 2,623 |
| Total domestic deposits to total assets | 76.1378% | 6,559 |
| Equity capital to assets | 8.8368% | 5,728 |
| Core capital (leverage) ratio | 8.6725% | 5,178 |
| Tier 1 risk-based capital ratio | 13.0093% | 4,185 |
| Total risk-based capital ratio | 14.0127% | 4,287 |
| Memoranda: | ||
| Average total assets | $340,561,750 | 2,016 |
| Average earning assets | $316,025,500 | 1,994 |
| Average equity | $28,858,500 | 2,331 |
| Average total loans | $240,657,250 | 1,968 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2789% | 1,262 |
| Cost of funding earning assets | 2.2633% | 2,513 |
| Net interest margin | 4.0156% | 2,634 |
| Noninterest income to average assets | 0.6709% | 3,189 |
| Noninterest expense to average assets | 3.0696% | 3,818 |
| Loan and lease loss provision to assets | 0.1108% | 6,041 |
| Net operating income to assets | 0.8563% | 2,629 |
| Return on assets (ROA) | 0.8563% | 2,730 |
| Pretax return on assets | 1.2228% | 2,234 |
| Return on Equity (ROE) | 10.2504% | 1,930 |
| Retained earnings to average equity (ytd only) | 6.7400% | 1,686 |
| Net charge-offs to loans | 0.1556% | 4,639 |
| Credit loss provision to net charge-offs | 101.0695% | 4,520 |
| Earnings coverage of net charge-offs (x) | 12.1604% | 1,842 |
| Efficiency ratio | 69.7123% | 4,842 |
| Assets per employee ($millions) | 3.8721% | 3,939 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 6,459 |
| Loan loss allowance to noncurrent loans | 81.6334% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.2037% | 4,529 |
| Noncurrent loans to loans | 1.1853% | 4,849 |
| Net loans and leases to total assets | 70.7602% | 3,517 |
| Net loans and leases to deposits | 90.8161% | 2,695 |
| Net loans and leases to core deposits | 116.7161% | 2,647 |
| Total domestic deposits to total assets | 77.9159% | 6,096 |
| Equity capital to assets | 8.5637% | 5,952 |
| Core capital (leverage) ratio | 8.5465% | 5,363 |
| Tier 1 risk-based capital ratio | 13.0493% | 4,111 |
| Total risk-based capital ratio | 14.1001% | 4,162 |
| Memoranda: | ||
| Average total assets | $341,016,670 | 2,030 |
| Average earning assets | $316,967,330 | 2,009 |
| Average equity | $28,486,670 | 2,373 |
| Average total loans | $240,318,670 | 2,002 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2571% | 1,419 |
| Cost of funding earning assets | 2.2877% | 2,753 |
| Net interest margin | 3.9694% | 2,773 |
| Noninterest income to average assets | 0.6809% | 2,999 |
| Noninterest expense to average assets | 2.8611% | 4,297 |
| Loan and lease loss provision to assets | 0.1061% | 5,610 |
| Net operating income to assets | 1.0097% | 2,271 |
| Return on assets (ROA) | 1.0097% | 2,411 |
| Pretax return on assets | 1.4096% | 1,939 |
| Return on Equity (ROE) | 12.2379% | 1,585 |
| Retained earnings to average equity (ytd only) | 5.1721% | 3,026 |
| Net charge-offs to loans | -0.0583% | 7,742 |
| Credit loss provision to net charge-offs | -260.0000% | 6,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3703% | 5,437 |
| Assets per employee ($millions) | 3.9954% | 3,670 |
| Cash dividends to net income (ytd only)* | 57.7367% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 5,956 |
| Loan loss allowance to noncurrent loans | 128.4966% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8760% | 4,998 |
| Noncurrent loans to loans | 0.8000% | 5,434 |
| Net loans and leases to total assets | 69.5391% | 3,792 |
| Net loans and leases to deposits | 90.6237% | 2,834 |
| Net loans and leases to core deposits | 120.5588% | 2,368 |
| Total domestic deposits to total assets | 76.7339% | 6,351 |
| Equity capital to assets | 8.4100% | 6,212 |
| Core capital (leverage) ratio | 8.2564% | 5,983 |
| Tier 1 risk-based capital ratio | 12.8644% | 4,279 |
| Total risk-based capital ratio | 13.9785% | 4,288 |
| Memoranda: | ||
| Average total assets | $343,087,000 | 2,024 |
| Average earning assets | $319,444,500 | 1,992 |
| Average equity | $28,305,500 | 2,397 |
| Average total loans | $240,126,500 | 2,023 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6341% | 2,318 |
| Cost of funding earning assets | 3.0895% | 1,537 |
| Net interest margin | 3.5445% | 5,126 |
| Noninterest income to average assets | 0.7303% | 2,901 |
| Noninterest expense to average assets | 2.7472% | 5,061 |
| Loan and lease loss provision to assets | 0.1763% | 5,137 |
| Net operating income to assets | 0.7925% | 3,467 |
| Return on assets (ROA) | 0.7925% | 3,309 |
| Pretax return on assets | 1.1027% | 3,019 |
| Return on Equity (ROE) | 9.9550% | 2,278 |
| Retained earnings to average equity (ytd only) | 6.3256% | 1,388 |
| Net charge-offs to loans | 0.1121% | 5,150 |
| Credit loss provision to net charge-offs | 223.9700% | 2,125 |
| Earnings coverage of net charge-offs (x) | 16.2472% | 1,860 |
| Efficiency ratio | 68.2337% | 4,681 |
| Assets per employee ($millions) | 3.8940% | 3,750 |
| Cash dividends to net income (ytd only)* | 36.4583% | 3,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 6,318 |
| Loan loss allowance to noncurrent loans | 151.3004% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.7442% | 4,990 |
| Noncurrent loans to loans | 0.6365% | 5,454 |
| Net loans and leases to total assets | 69.0525% | 4,244 |
| Net loans and leases to deposits | 94.2404% | 2,720 |
| Net loans and leases to core deposits | 124.2009% | 2,308 |
| Total domestic deposits to total assets | 73.2728% | 6,782 |
| Equity capital to assets | 8.0936% | 6,706 |
| Core capital (leverage) ratio | 8.1331% | 6,278 |
| Tier 1 risk-based capital ratio | 12.6473% | 4,325 |
| Total risk-based capital ratio | 13.6934% | 4,383 |
| Memoranda: | ||
| Average total assets | $339,178,000 | 1,960 |
| Average earning assets | $315,386,400 | 1,934 |
| Average equity | $27,001,400 | 2,475 |
| Average total loans | $238,176,000 | 1,985 |