Home > Heartland National Bank > Performance and Condition Ratios
Heartland National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 2,722 |
| Cost of funding earning assets | 1.1633% | 2,898 |
| Net interest margin | 3.5165% | 2,147 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.3357% | 4,420 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.7295% | 693 |
| Return on assets (ROA) | 1.7295% | 665 |
| Pretax return on assets | 2.2965% | 433 |
| Return on Equity (ROE) | 25.4300% | 296 |
| Retained earnings to average equity (ytd only) | 9.0549% | 1,241 |
| Net charge-offs to loans | -0.0444% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 36.6447% | 4,426 |
| Assets per employee ($millions) | 11.4984% | 468 |
| Cash dividends to net income (ytd only)* | 64.3973% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 893 |
| Loan loss allowance to noncurrent loans | 175.3613% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 2,256 |
| Noncurrent loans to loans | 0.8969% | 838 |
| Net loans and leases to total assets | 21.3000% | 4,395 |
| Net loans and leases to deposits | 23.6947% | 4,405 |
| Net loans and leases to core deposits | 24.7636% | 4,434 |
| Total domestic deposits to total assets | 89.9100% | 779 |
| Equity capital to assets | 7.3915% | 3,775 |
| Core capital (leverage) ratio | 8.3353% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8841% | 379 |
| Memoranda: | ||
| Average total assets | $732,948,200 | 1,265 |
| Average earning assets | $705,666,200 | 1,219 |
| Average equity | $49,840,600 | 1,613 |
| Average total loans | $152,992,000 | 2,654 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 2,702 |
| Cost of funding earning assets | 1.0677% | 2,838 |
| Net interest margin | 3.5215% | 2,168 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.3319% | 4,434 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.7366% | 750 |
| Return on assets (ROA) | 1.7366% | 736 |
| Pretax return on assets | 2.3068% | 478 |
| Return on Equity (ROE) | 26.0900% | 350 |
| Retained earnings to average equity (ytd only) | 16.9922% | 392 |
| Net charge-offs to loans | -0.0192% | 4,121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 36.4806% | 4,439 |
| Assets per employee ($millions) | 12.3108% | 346 |
| Cash dividends to net income (ytd only)* | 34.8627% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 1,007 |
| Loan loss allowance to noncurrent loans | 168.5755% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 2,289 |
| Noncurrent loans to loans | 0.9148% | 899 |
| Net loans and leases to total assets | 21.0600% | 4,427 |
| Net loans and leases to deposits | 23.2303% | 4,436 |
| Net loans and leases to core deposits | 24.1634% | 4,428 |
| Total domestic deposits to total assets | 90.6500% | 763 |
| Equity capital to assets | 7.2443% | 3,491 |
| Core capital (leverage) ratio | 8.5006% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2296% | 345 |
| Memoranda: | ||
| Average total assets | $737,960,000 | 1,257 |
| Average earning assets | $709,937,500 | 1,215 |
| Average equity | $49,127,250 | 1,620 |
| Average total loans | $152,664,500 | 2,658 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4534% | 2,761 |
| Cost of funding earning assets | 0.9480% | 2,784 |
| Net interest margin | 3.5054% | 2,253 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.2913% | 4,474 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.7535% | 709 |
| Return on assets (ROA) | 1.7535% | 712 |
| Pretax return on assets | 2.3313% | 445 |
| Return on Equity (ROE) | 27.1000% | 289 |
| Retained earnings to average equity (ytd only) | 27.1026% | 95 |
| Net charge-offs to loans | -0.0105% | 3,925 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 35.4404% | 4,487 |
| Assets per employee ($millions) | 12.1304% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 1,057 |
| Loan loss allowance to noncurrent loans | 164.4056% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 2,245 |
| Noncurrent loans to loans | 0.9393% | 813 |
| Net loans and leases to total assets | 19.9300% | 4,459 |
| Net loans and leases to deposits | 21.8411% | 4,466 |
| Net loans and leases to core deposits | 22.6378% | 4,460 |
| Total domestic deposits to total assets | 91.2500% | 570 |
| Equity capital to assets | 6.8710% | 3,861 |
| Core capital (leverage) ratio | 8.4444% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3774% | 306 |
| Memoranda: | ||
| Average total assets | $745,938,333 | 1,242 |
| Average earning assets | $718,547,333 | 1,203 |
| Average equity | $48,261,000 | 1,642 |
| Average total loans | $152,649,333 | 2,651 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 2,670 |
| Cost of funding earning assets | 0.8257% | 2,626 |
| Net interest margin | 3.5264% | 2,297 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.3160% | 4,528 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 1.7667% | 717 |
| Return on assets (ROA) | 1.7667% | 711 |
| Pretax return on assets | 2.3531% | 440 |
| Return on Equity (ROE) | 28.1900% | 282 |
| Retained earnings to average equity (ytd only) | 28.1912% | 131 |
| Net charge-offs to loans | -0.0183% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 35.9729% | 4,540 |
| Assets per employee ($millions) | 12.6713% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 1,280 |
| Loan loss allowance to noncurrent loans | 154.2466% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 2,167 |
| Noncurrent loans to loans | 0.9691% | 769 |
| Net loans and leases to total assets | 19.8500% | 4,519 |
| Net loans and leases to deposits | 21.5181% | 4,528 |
| Net loans and leases to core deposits | 22.2547% | 4,521 |
| Total domestic deposits to total assets | 92.2500% | 458 |
| Equity capital to assets | 6.5864% | 4,001 |
| Core capital (leverage) ratio | 7.8822% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2165% | 342 |
| Memoranda: | ||
| Average total assets | $742,864,500 | 1,259 |
| Average earning assets | $715,067,500 | 1,220 |
| Average equity | $46,553,500 | 1,697 |
| Average total loans | $152,856,500 | 2,680 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7179% | 4,394 |
| Cost of funding earning assets | 0.1920% | 3,825 |
| Net interest margin | 2.5259% | 4,260 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.2810% | 4,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0928% | 2,207 |
| Return on assets (ROA) | 1.0928% | 2,148 |
| Pretax return on assets | 1.4340% | 1,678 |
| Return on Equity (ROE) | 17.3000% | 811 |
| Retained earnings to average equity (ytd only) | 13.7128% | 422 |
| Net charge-offs to loans | -0.0915% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.1820% | 4,289 |
| Assets per employee ($millions) | 13.1808% | 293 |
| Cash dividends to net income (ytd only)* | 20.7371% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 935 |
| Loan loss allowance to noncurrent loans | 168.0695% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 2,133 |
| Noncurrent loans to loans | 0.9655% | 768 |
| Net loans and leases to total assets | 20.6700% | 4,546 |
| Net loans and leases to deposits | 22.1288% | 4,556 |
| Net loans and leases to core deposits | 22.5368% | 4,547 |
| Total domestic deposits to total assets | 93.3900% | 329 |
| Equity capital to assets | 5.9430% | 4,108 |
| Core capital (leverage) ratio | 7.3876% | 4,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9875% | 371 |
| Memoranda: | ||
| Average total assets | $705,164,400 | 1,302 |
| Average earning assets | $680,672,600 | 1,261 |
| Average equity | $44,542,200 | 1,767 |
| Average total loans | $149,676,200 | 2,638 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2718% | 4,544 |
| Cost of funding earning assets | 0.1333% | 4,006 |
| Net interest margin | 2.1385% | 4,496 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.2908% | 4,583 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8127% | 3,201 |
| Return on assets (ROA) | 0.8127% | 3,168 |
| Pretax return on assets | 1.0555% | 2,858 |
| Return on Equity (ROE) | 12.6700% | 1,816 |
| Retained earnings to average equity (ytd only) | 12.6677% | 669 |
| Net charge-offs to loans | -0.1375% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.0147% | 3,722 |
| Assets per employee ($millions) | 12.8748% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7221% | 836 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 3,941 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 19.6900% | 4,596 |
| Net loans and leases to deposits | 21.0384% | 4,604 |
| Net loans and leases to core deposits | 21.4700% | 4,598 |
| Total domestic deposits to total assets | 93.5900% | 440 |
| Equity capital to assets | 5.7862% | 4,043 |
| Core capital (leverage) ratio | 7.1943% | 4,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2825% | 373 |
| Memoranda: | ||
| Average total assets | $696,924,750 | 1,320 |
| Average earning assets | $673,116,250 | 1,278 |
| Average equity | $44,711,000 | 1,784 |
| Average total loans | $148,331,250 | 2,657 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8641% | 4,651 |
| Cost of funding earning assets | 0.1108% | 4,070 |
| Net interest margin | 1.7533% | 4,643 |
| Noninterest income to average assets | 0.2892% | 3,440 |
| Noninterest expense to average assets | 1.3248% | 4,580 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5197% | 3,845 |
| Return on assets (ROA) | 0.5197% | 3,796 |
| Pretax return on assets | 0.6570% | 3,693 |
| Return on Equity (ROE) | 7.8266% | 3,065 |
| Retained earnings to average equity (ytd only) | 7.8266% | 1,683 |
| Net charge-offs to loans | -0.0578% | 4,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8485% | 2,398 |
| Assets per employee ($millions) | 12.4206% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6298% | 1,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 20.2843% | 4,651 |
| Net loans and leases to deposits | 21.7033% | 4,664 |
| Net loans and leases to core deposits | 22.1258% | 4,664 |
| Total domestic deposits to total assets | 93.4618% | 404 |
| Equity capital to assets | 5.9839% | 4,206 |
| Core capital (leverage) ratio | 7.1988% | 4,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5150% | 402 |
| Memoranda: | ||
| Average total assets | $684,611,000 | 1,339 |
| Average earning assets | $660,920,333 | 1,308 |
| Average equity | $45,460,333 | 1,816 |
| Average total loans | $148,765,000 | 2,657 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6471% | 4,693 |
| Cost of funding earning assets | 0.1037% | 4,087 |
| Net interest margin | 1.5433% | 4,689 |
| Noninterest income to average assets | 0.3090% | 3,255 |
| Noninterest expense to average assets | 1.3439% | 4,591 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3720% | 4,016 |
| Return on assets (ROA) | 0.3720% | 3,979 |
| Pretax return on assets | 0.4560% | 3,943 |
| Return on Equity (ROE) | 5.3177% | 3,539 |
| Retained earnings to average equity (ytd only) | 5.3177% | 2,472 |
| Net charge-offs to loans | -0.0269% | 4,038 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6667% | 1,662 |
| Assets per employee ($millions) | 11.2478% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 1,248 |
| Loan loss allowance to noncurrent loans | 10,386.9565% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,066 |
| Noncurrent loans to loans | 0.0155% | 3,898 |
| Net loans and leases to total assets | 21.6473% | 4,650 |
| Net loans and leases to deposits | 23.3451% | 4,667 |
| Net loans and leases to core deposits | 23.9079% | 4,667 |
| Total domestic deposits to total assets | 92.7276% | 336 |
| Equity capital to assets | 6.6798% | 4,352 |
| Core capital (leverage) ratio | 7.3164% | 4,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7587% | 389 |
| Memoranda: | ||
| Average total assets | $666,718,500 | 1,372 |
| Average earning assets | $644,057,500 | 1,340 |
| Average equity | $46,636,500 | 1,833 |
| Average total loans | $148,873,500 | 2,642 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8450% | 4,706 |
| Cost of funding earning assets | 0.1196% | 4,225 |
| Net interest margin | 1.7255% | 4,684 |
| Noninterest income to average assets | 0.3329% | 3,418 |
| Noninterest expense to average assets | 1.3618% | 4,646 |
| Loan and lease loss provision to assets | -0.0066% | 4,152 |
| Net operating income to assets | 0.4959% | 4,098 |
| Return on assets (ROA) | 0.4959% | 4,141 |
| Pretax return on assets | 0.6477% | 4,039 |
| Return on Equity (ROE) | 6.4711% | 3,651 |
| Retained earnings to average equity (ytd only) | 5.6667% | 2,496 |
| Net charge-offs to loans | 0.0421% | 1,429 |
| Credit loss provision to net charge-offs | -61.1940% | 3,281 |
| Earnings coverage of net charge-offs (x) | 59.2836% | 1,184 |
| Efficiency ratio | 67.9936% | 1,982 |
| Assets per employee ($millions) | 11.3546% | 459 |
| Cash dividends to net income (ytd only)* | 12.4308% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 1,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 22.3042% | 4,690 |
| Net loans and leases to deposits | 24.2175% | 4,709 |
| Net loans and leases to core deposits | 24.7992% | 4,709 |
| Total domestic deposits to total assets | 92.0994% | 155 |
| Equity capital to assets | 7.3178% | 4,651 |
| Core capital (leverage) ratio | 7.4656% | 4,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6478% | 362 |
| Memoranda: | ||
| Average total assets | $619,623,600 | 1,412 |
| Average earning assets | $599,660,200 | 1,378 |
| Average equity | $47,488,000 | 1,843 |
| Average total loans | $158,960,000 | 2,556 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9339% | 4,774 |
| Cost of funding earning assets | 0.1230% | 4,325 |
| Net interest margin | 1.8109% | 4,742 |
| Noninterest income to average assets | 0.3428% | 3,395 |
| Noninterest expense to average assets | 1.4050% | 4,687 |
| Loan and lease loss provision to assets | 0.0074% | 2,836 |
| Net operating income to assets | 0.5210% | 4,162 |
| Return on assets (ROA) | 0.5210% | 4,207 |
| Pretax return on assets | 0.6814% | 4,098 |
| Return on Equity (ROE) | 6.7156% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.7156% | 2,534 |
| Net charge-offs to loans | 0.0653% | 992 |
| Credit loss provision to net charge-offs | 43.0380% | 1,899 |
| Earnings coverage of net charge-offs (x) | 39.8861% | 1,370 |
| Efficiency ratio | 67.1017% | 1,957 |
| Assets per employee ($millions) | 10.9061% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 1,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 23.8458% | 4,741 |
| Net loans and leases to deposits | 25.9945% | 4,768 |
| Net loans and leases to core deposits | 26.6972% | 4,770 |
| Total domestic deposits to total assets | 91.7342% | 182 |
| Equity capital to assets | 7.6507% | 4,665 |
| Core capital (leverage) ratio | 7.4889% | 4,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7334% | 350 |
| Memoranda: | ||
| Average total assets | $609,887,500 | 1,446 |
| Average earning assets | $589,758,500 | 1,412 |
| Average equity | $47,311,750 | 1,870 |
| Average total loans | $161,383,250 | 2,568 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9286% | 4,819 |
| Cost of funding earning assets | 0.1253% | 4,388 |
| Net interest margin | 1.8033% | 4,783 |
| Noninterest income to average assets | 0.3596% | 3,305 |
| Noninterest expense to average assets | 1.4394% | 4,686 |
| Loan and lease loss provision to assets | 0.0113% | 2,713 |
| Net operating income to assets | 0.4997% | 4,218 |
| Return on assets (ROA) | 0.4997% | 4,264 |
| Pretax return on assets | 0.6535% | 4,152 |
| Return on Equity (ROE) | 6.4110% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.4110% | 2,655 |
| Net charge-offs to loans | 0.1024% | 728 |
| Credit loss provision to net charge-offs | 40.4762% | 1,655 |
| Earnings coverage of net charge-offs (x) | 23.8333% | 1,453 |
| Efficiency ratio | 68.4078% | 1,828 |
| Assets per employee ($millions) | 11.2303% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 1,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 24.5326% | 4,776 |
| Net loans and leases to deposits | 26.6742% | 4,800 |
| Net loans and leases to core deposits | 27.3632% | 4,808 |
| Total domestic deposits to total assets | 91.9713% | 130 |
| Equity capital to assets | 7.4546% | 4,750 |
| Core capital (leverage) ratio | 7.4154% | 4,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2681% | 417 |
| Memoranda: | ||
| Average total assets | $602,331,667 | 1,455 |
| Average earning assets | $582,712,000 | 1,420 |
| Average equity | $46,950,667 | 1,869 |
| Average total loans | $164,084,333 | 2,566 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0097% | 4,835 |
| Cost of funding earning assets | 0.1327% | 4,437 |
| Net interest margin | 1.8769% | 4,782 |
| Noninterest income to average assets | 0.3654% | 3,266 |
| Noninterest expense to average assets | 1.5001% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5224% | 4,131 |
| Return on assets (ROA) | 0.5224% | 4,172 |
| Pretax return on assets | 0.6781% | 4,063 |
| Return on Equity (ROE) | 6.5455% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.5455% | 2,713 |
| Net charge-offs to loans | -0.0024% | 3,172 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8700% | 1,827 |
| Assets per employee ($millions) | 10.5646% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 1,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 25.7877% | 4,788 |
| Net loans and leases to deposits | 28.0349% | 4,817 |
| Net loans and leases to core deposits | 28.7146% | 4,827 |
| Total domestic deposits to total assets | 91.9844% | 149 |
| Equity capital to assets | 7.4014% | 4,745 |
| Core capital (leverage) ratio | 7.6094% | 4,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3188% | 387 |
| Memoranda: | ||
| Average total assets | $583,434,000 | 1,484 |
| Average earning assets | $563,475,500 | 1,439 |
| Average equity | $46,566,500 | 1,870 |
| Average total loans | $166,388,000 | 2,541 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8137% | 4,746 |
| Cost of funding earning assets | 0.2297% | 4,468 |
| Net interest margin | 2.5841% | 4,520 |
| Noninterest income to average assets | 0.4147% | 3,027 |
| Noninterest expense to average assets | 1.7525% | 4,542 |
| Loan and lease loss provision to assets | 0.0152% | 4,186 |
| Net operating income to assets | 0.8803% | 2,781 |
| Return on assets (ROA) | 0.8841% | 2,904 |
| Pretax return on assets | 1.1266% | 2,601 |
| Return on Equity (ROE) | 10.0595% | 1,985 |
| Retained earnings to average equity (ytd only) | 10.0595% | 572 |
| Net charge-offs to loans | -0.0088% | 4,235 |
| Credit loss provision to net charge-offs | -486.6667% | 3,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6509% | 3,365 |
| Assets per employee ($millions) | 9.1895% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 30.8333% | 4,736 |
| Net loans and leases to deposits | 34.0234% | 4,785 |
| Net loans and leases to core deposits | 35.0468% | 4,790 |
| Total domestic deposits to total assets | 90.6239% | 327 |
| Equity capital to assets | 8.6712% | 4,320 |
| Core capital (leverage) ratio | 8.8069% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8650% | 358 |
| Memoranda: | ||
| Average total assets | $479,595,000 | 1,611 |
| Average earning assets | $459,316,600 | 1,565 |
| Average equity | $42,149,200 | 1,941 |
| Average total loans | $170,843,000 | 2,482 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9120% | 4,789 |
| Cost of funding earning assets | 0.2535% | 4,500 |
| Net interest margin | 2.6585% | 4,516 |
| Noninterest income to average assets | 0.4035% | 3,060 |
| Noninterest expense to average assets | 1.8159% | 4,466 |
| Loan and lease loss provision to assets | 0.0208% | 4,074 |
| Net operating income to assets | 0.8533% | 2,894 |
| Return on assets (ROA) | 0.8533% | 3,022 |
| Pretax return on assets | 1.1095% | 2,707 |
| Return on Equity (ROE) | 9.6726% | 2,142 |
| Retained earnings to average equity (ytd only) | 9.6726% | 835 |
| Net charge-offs to loans | -0.0078% | 4,166 |
| Credit loss provision to net charge-offs | -730.0000% | 3,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6325% | 3,133 |
| Assets per employee ($millions) | 8.9070% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 1,888 |
| Loan loss allowance to noncurrent loans | 1,591.6667% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 4,310 |
| Noncurrent loans to loans | 0.0859% | 4,024 |
| Net loans and leases to total assets | 34.6779% | 4,722 |
| Net loans and leases to deposits | 38.1241% | 4,789 |
| Net loans and leases to core deposits | 39.3168% | 4,797 |
| Total domestic deposits to total assets | 90.9608% | 183 |
| Equity capital to assets | 8.2978% | 4,578 |
| Core capital (leverage) ratio | 8.3699% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $466,245,750 | 1,633 |
| Average earning assets | $445,952,500 | 1,592 |
| Average equity | $41,132,250 | 1,966 |
| Average total loans | $171,847,250 | 2,470 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1421% | 4,762 |
| Cost of funding earning assets | 0.2839% | 4,524 |
| Net interest margin | 2.8582% | 4,373 |
| Noninterest income to average assets | 0.3836% | 3,183 |
| Noninterest expense to average assets | 1.9374% | 4,352 |
| Loan and lease loss provision to assets | 0.0325% | 3,858 |
| Net operating income to assets | 0.8606% | 2,837 |
| Return on assets (ROA) | 0.8606% | 2,956 |
| Pretax return on assets | 1.1418% | 2,576 |
| Return on Equity (ROE) | 9.5379% | 2,128 |
| Retained earnings to average equity (ytd only) | 9.5379% | 868 |
| Net charge-offs to loans | -0.0119% | 4,252 |
| Credit loss provision to net charge-offs | -730.0000% | 3,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2623% | 3,080 |
| Assets per employee ($millions) | 8.4193% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 1,654 |
| Loan loss allowance to noncurrent loans | 1,561.0063% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 4,392 |
| Noncurrent loans to loans | 0.0884% | 4,106 |
| Net loans and leases to total assets | 35.1022% | 4,747 |
| Net loans and leases to deposits | 38.6004% | 4,819 |
| Net loans and leases to core deposits | 39.6143% | 4,828 |
| Total domestic deposits to total assets | 90.9375% | 157 |
| Equity capital to assets | 8.2491% | 4,611 |
| Core capital (leverage) ratio | 8.6874% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $449,459,333 | 1,659 |
| Average earning assets | $429,012,667 | 1,621 |
| Average equity | $40,554,000 | 1,973 |
| Average total loans | $168,586,000 | 2,482 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3058% | 4,806 |
| Cost of funding earning assets | 0.3477% | 4,526 |
| Net interest margin | 2.9581% | 4,348 |
| Noninterest income to average assets | 0.4212% | 2,962 |
| Noninterest expense to average assets | 1.8548% | 4,601 |
| Loan and lease loss provision to assets | 0.0066% | 3,670 |
| Net operating income to assets | 1.0408% | 2,035 |
| Return on assets (ROA) | 1.0408% | 2,133 |
| Pretax return on assets | 1.3766% | 1,634 |
| Return on Equity (ROE) | 10.9712% | 1,419 |
| Retained earnings to average equity (ytd only) | 10.9712% | 570 |
| Net charge-offs to loans | -0.0172% | 4,279 |
| Credit loss provision to net charge-offs | -100.0000% | 3,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2810% | 4,083 |
| Assets per employee ($millions) | 7.1995% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 1,370 |
| Loan loss allowance to noncurrent loans | 1,508.1250% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 4,429 |
| Noncurrent loans to loans | 0.0990% | 4,113 |
| Net loans and leases to total assets | 36.8469% | 4,754 |
| Net loans and leases to deposits | 41.0821% | 4,818 |
| Net loans and leases to core deposits | 42.3095% | 4,838 |
| Total domestic deposits to total assets | 89.6907% | 420 |
| Equity capital to assets | 9.4407% | 4,271 |
| Core capital (leverage) ratio | 9.5859% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $421,609,500 | 1,706 |
| Average earning assets | $401,471,500 | 1,667 |
| Average equity | $39,995,500 | 1,983 |
| Average total loans | $162,977,000 | 2,515 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6281% | 4,746 |
| Cost of funding earning assets | 0.3674% | 4,548 |
| Net interest margin | 3.2608% | 4,063 |
| Noninterest income to average assets | 0.4524% | 2,995 |
| Noninterest expense to average assets | 1.8469% | 4,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2789% | 1,776 |
| Return on assets (ROA) | 1.2791% | 1,848 |
| Pretax return on assets | 1.6989% | 1,189 |
| Return on Equity (ROE) | 13.6045% | 983 |
| Retained earnings to average equity (ytd only) | 6.6259% | 1,552 |
| Net charge-offs to loans | -0.0394% | 4,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0908% | 4,599 |
| Assets per employee ($millions) | 6.8542% | 1,103 |
| Cash dividends to net income (ytd only)* | 51.2964% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 1,338 |
| Loan loss allowance to noncurrent loans | 1,471.7791% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 4,439 |
| Noncurrent loans to loans | 0.0992% | 4,130 |
| Net loans and leases to total assets | 39.3860% | 4,754 |
| Net loans and leases to deposits | 44.7556% | 4,813 |
| Net loans and leases to core deposits | 45.9580% | 4,835 |
| Total domestic deposits to total assets | 88.0024% | 1,126 |
| Equity capital to assets | 9.5343% | 4,324 |
| Core capital (leverage) ratio | 9.7146% | 3,828 |
| Tier 1 risk-based capital ratio | 20.1618% | 1,304 |
| Total risk-based capital ratio | 21.3893% | 1,280 |
| Memoranda: | ||
| Average total assets | $404,034,800 | 1,727 |
| Average earning assets | $383,253,200 | 1,692 |
| Average equity | $37,987,400 | 2,008 |
| Average total loans | $159,780,800 | 2,513 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7579% | 4,717 |
| Cost of funding earning assets | 0.3660% | 4,612 |
| Net interest margin | 3.3919% | 3,881 |
| Noninterest income to average assets | 0.4608% | 2,956 |
| Noninterest expense to average assets | 1.8791% | 4,722 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3508% | 1,639 |
| Return on assets (ROA) | 1.3511% | 1,705 |
| Pretax return on assets | 1.7953% | 1,104 |
| Return on Equity (ROE) | 14.4222% | 906 |
| Retained earnings to average equity (ytd only) | 12.2992% | 347 |
| Net charge-offs to loans | -0.0504% | 4,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1458% | 4,661 |
| Assets per employee ($millions) | 6.9213% | 1,055 |
| Cash dividends to net income (ytd only)* | 14.7203% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 1,222 |
| Loan loss allowance to noncurrent loans | 2,158.5586% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 4,519 |
| Noncurrent loans to loans | 0.0699% | 4,321 |
| Net loans and leases to total assets | 37.6659% | 4,875 |
| Net loans and leases to deposits | 43.1532% | 4,933 |
| Net loans and leases to core deposits | 44.4737% | 4,950 |
| Total domestic deposits to total assets | 87.2841% | 1,381 |
| Equity capital to assets | 9.6587% | 4,326 |
| Core capital (leverage) ratio | 10.0473% | 3,596 |
| Tier 1 risk-based capital ratio | 21.9019% | 1,082 |
| Total risk-based capital ratio | 23.1527% | 1,057 |
| Memoranda: | ||
| Average total assets | $402,231,000 | 1,745 |
| Average earning assets | $381,053,000 | 1,714 |
| Average equity | $37,681,750 | 2,033 |
| Average total loans | $158,632,500 | 2,549 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7151% | 4,816 |
| Cost of funding earning assets | 0.3627% | 4,640 |
| Net interest margin | 3.3524% | 4,022 |
| Noninterest income to average assets | 0.4464% | 2,979 |
| Noninterest expense to average assets | 1.9061% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2899% | 1,820 |
| Return on assets (ROA) | 1.2903% | 1,872 |
| Pretax return on assets | 1.7141% | 1,244 |
| Return on Equity (ROE) | 13.9237% | 999 |
| Retained earnings to average equity (ytd only) | 10.6692% | 608 |
| Net charge-offs to loans | -0.0114% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6594% | 4,600 |
| Assets per employee ($millions) | 7.0211% | 991 |
| Cash dividends to net income (ytd only)* | 23.3736% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,226 |
| Loan loss allowance to noncurrent loans | 945.5645% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 4,329 |
| Noncurrent loans to loans | 0.1602% | 3,972 |
| Net loans and leases to total assets | 36.7980% | 4,952 |
| Net loans and leases to deposits | 42.1589% | 4,993 |
| Net loans and leases to core deposits | 43.2423% | 5,012 |
| Total domestic deposits to total assets | 87.2841% | 1,447 |
| Equity capital to assets | 9.3071% | 4,570 |
| Core capital (leverage) ratio | 9.6133% | 4,022 |
| Tier 1 risk-based capital ratio | 20.4951% | 1,254 |
| Total risk-based capital ratio | 21.7361% | 1,224 |
| Memoranda: | ||
| Average total assets | $397,883,000 | 1,761 |
| Average earning assets | $376,622,670 | 1,736 |
| Average equity | $36,872,330 | 2,070 |
| Average total loans | $158,572,330 | 2,556 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7154% | 4,823 |
| Cost of funding earning assets | 0.3552% | 4,661 |
| Net interest margin | 3.3601% | 4,008 |
| Noninterest income to average assets | 0.4208% | 3,040 |
| Noninterest expense to average assets | 1.9235% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2594% | 1,846 |
| Return on assets (ROA) | 1.2594% | 1,896 |
| Pretax return on assets | 1.6720% | 1,280 |
| Return on Equity (ROE) | 13.6214% | 1,054 |
| Retained earnings to average equity (ytd only) | 13.6214% | 388 |
| Net charge-offs to loans | -0.0025% | 3,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4970% | 4,580 |
| Assets per employee ($millions) | 6.7647% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 1,446 |
| Loan loss allowance to noncurrent loans | 1,156.9307% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 4,518 |
| Noncurrent loans to loans | 0.1268% | 4,170 |
| Net loans and leases to total assets | 39.3336% | 4,910 |
| Net loans and leases to deposits | 45.0026% | 4,959 |
| Net loans and leases to core deposits | 46.2034% | 4,985 |
| Total domestic deposits to total assets | 87.4029% | 1,615 |
| Equity capital to assets | 9.2722% | 4,458 |
| Core capital (leverage) ratio | 9.8588% | 3,754 |
| Tier 1 risk-based capital ratio | 19.8753% | 1,359 |
| Total risk-based capital ratio | 21.0980% | 1,340 |
| Memoranda: | ||
| Average total assets | $389,702,000 | 1,811 |
| Average earning assets | $368,198,500 | 1,776 |
| Average equity | $36,031,500 | 2,093 |
| Average total loans | $160,469,000 | 2,557 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4821% | 4,935 |
| Cost of funding earning assets | 0.2461% | 4,824 |
| Net interest margin | 3.2360% | 4,414 |
| Noninterest income to average assets | 0.4003% | 3,442 |
| Noninterest expense to average assets | 1.8351% | 4,969 |
| Loan and lease loss provision to assets | 0.0021% | 4,060 |
| Net operating income to assets | 1.2277% | 2,059 |
| Return on assets (ROA) | 1.2277% | 2,051 |
| Pretax return on assets | 1.6274% | 1,387 |
| Return on Equity (ROE) | 13.8695% | 1,076 |
| Retained earnings to average equity (ytd only) | 7.1346% | 1,610 |
| Net charge-offs to loans | -0.0426% | 4,924 |
| Credit loss provision to net charge-offs | -11.7647% | 4,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9661% | 4,718 |
| Assets per employee ($millions) | 6.5567% | 1,191 |
| Cash dividends to net income (ytd only)* | 48.5586% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4454% | 1,468 |
| Loan loss allowance to noncurrent loans | 1,071.5596% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 4,489 |
| Noncurrent loans to loans | 0.1349% | 4,135 |
| Net loans and leases to total assets | 41.8836% | 4,883 |
| Net loans and leases to deposits | 47.5560% | 4,943 |
| Net loans and leases to core deposits | 48.9081% | 4,970 |
| Total domestic deposits to total assets | 88.0722% | 1,271 |
| Equity capital to assets | 9.2183% | 4,393 |
| Core capital (leverage) ratio | 9.7979% | 3,798 |
| Tier 1 risk-based capital ratio | 19.5479% | 1,391 |
| Total risk-based capital ratio | 20.7902% | 1,365 |
| Memoranda: | ||
| Average total assets | $381,458,600 | 1,795 |
| Average earning assets | $361,219,800 | 1,766 |
| Average equity | $33,764,800 | 2,124 |
| Average total loans | $159,643,400 | 2,532 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4059% | 5,028 |
| Cost of funding earning assets | 0.2177% | 4,954 |
| Net interest margin | 3.1882% | 4,537 |
| Noninterest income to average assets | 0.4006% | 3,480 |
| Noninterest expense to average assets | 1.8301% | 5,003 |
| Loan and lease loss provision to assets | 0.0028% | 3,911 |
| Net operating income to assets | 1.1997% | 2,241 |
| Return on assets (ROA) | 1.1997% | 2,244 |
| Pretax return on assets | 1.5905% | 1,613 |
| Return on Equity (ROE) | 13.6950% | 1,204 |
| Retained earnings to average equity (ytd only) | 11.5022% | 555 |
| Net charge-offs to loans | -0.0536% | 4,956 |
| Credit loss provision to net charge-offs | -12.5000% | 4,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4585% | 4,662 |
| Assets per employee ($millions) | 6.6016% | 1,135 |
| Cash dividends to net income (ytd only)* | 16.0117% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 1,489 |
| Loan loss allowance to noncurrent loans | 967.6349% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 4,549 |
| Noncurrent loans to loans | 0.1509% | 4,212 |
| Net loans and leases to total assets | 41.8186% | 4,970 |
| Net loans and leases to deposits | 47.6277% | 5,022 |
| Net loans and leases to core deposits | 49.0417% | 5,041 |
| Total domestic deposits to total assets | 87.8031% | 1,336 |
| Equity capital to assets | 9.1339% | 4,438 |
| Core capital (leverage) ratio | 9.7999% | 3,845 |
| Tier 1 risk-based capital ratio | 19.7568% | 1,388 |
| Total risk-based capital ratio | 20.9980% | 1,356 |
| Memoranda: | ||
| Average total assets | $381,751,500 | 1,798 |
| Average earning assets | $361,952,750 | 1,769 |
| Average equity | $33,442,000 | 2,138 |
| Average total loans | $159,150,750 | 2,544 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3252% | 5,118 |
| Cost of funding earning assets | 0.1982% | 5,040 |
| Net interest margin | 3.1269% | 4,672 |
| Noninterest income to average assets | 0.4025% | 3,463 |
| Noninterest expense to average assets | 1.8239% | 5,068 |
| Loan and lease loss provision to assets | 0.0042% | 3,734 |
| Net operating income to assets | 1.1628% | 2,339 |
| Return on assets (ROA) | 1.1628% | 2,344 |
| Pretax return on assets | 1.5434% | 1,674 |
| Return on Equity (ROE) | 13.4610% | 1,220 |
| Retained earnings to average equity (ytd only) | 10.1410% | 892 |
| Net charge-offs to loans | -0.0616% | 4,988 |
| Credit loss provision to net charge-offs | -16.3265% | 3,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0984% | 4,681 |
| Assets per employee ($millions) | 6.8905% | 969 |
| Cash dividends to net income (ytd only)* | 24.6637% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 1,527 |
| Loan loss allowance to noncurrent loans | 1,259.2391% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 4,736 |
| Noncurrent loans to loans | 0.1157% | 4,391 |
| Net loans and leases to total assets | 39.8886% | 5,055 |
| Net loans and leases to deposits | 44.3075% | 5,138 |
| Net loans and leases to core deposits | 45.4998% | 5,166 |
| Total domestic deposits to total assets | 90.0269% | 565 |
| Equity capital to assets | 8.5672% | 4,894 |
| Core capital (leverage) ratio | 9.3009% | 4,363 |
| Tier 1 risk-based capital ratio | 19.1294% | 1,524 |
| Total risk-based capital ratio | 20.3636% | 1,489 |
| Memoranda: | ||
| Average total assets | $383,571,330 | 1,802 |
| Average earning assets | $364,191,000 | 1,757 |
| Average equity | $33,132,670 | 2,164 |
| Average total loans | $158,970,330 | 2,557 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2539% | 5,190 |
| Cost of funding earning assets | 0.1934% | 5,052 |
| Net interest margin | 3.0606% | 4,778 |
| Noninterest income to average assets | 0.4085% | 3,403 |
| Noninterest expense to average assets | 1.8450% | 5,112 |
| Loan and lease loss provision to assets | 0.0011% | 3,501 |
| Net operating income to assets | 1.1072% | 2,391 |
| Return on assets (ROA) | 1.1072% | 2,407 |
| Pretax return on assets | 1.4692% | 1,768 |
| Return on Equity (ROE) | 12.7635% | 1,331 |
| Retained earnings to average equity (ytd only) | 6.0715% | 2,676 |
| Net charge-offs to loans | -0.0528% | 4,992 |
| Credit loss provision to net charge-offs | -4.7619% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6511% | 4,629 |
| Assets per employee ($millions) | 6.6124% | 1,144 |
| Cash dividends to net income (ytd only)* | 52.4309% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 1,726 |
| Loan loss allowance to noncurrent loans | 1,267.7778% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 4,784 |
| Noncurrent loans to loans | 0.1129% | 4,460 |
| Net loans and leases to total assets | 40.9838% | 5,030 |
| Net loans and leases to deposits | 45.4136% | 5,118 |
| Net loans and leases to core deposits | 46.7338% | 5,134 |
| Total domestic deposits to total assets | 90.2457% | 568 |
| Equity capital to assets | 8.5228% | 4,956 |
| Core capital (leverage) ratio | 9.2087% | 4,425 |
| Tier 1 risk-based capital ratio | 18.6245% | 1,659 |
| Total risk-based capital ratio | 19.8483% | 1,630 |
| Memoranda: | ||
| Average total assets | $378,979,000 | 1,832 |
| Average earning assets | $359,933,500 | 1,786 |
| Average equity | $32,875,000 | 2,190 |
| Average total loans | $158,964,500 | 2,582 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1170% | 5,272 |
| Cost of funding earning assets | 0.1813% | 5,083 |
| Net interest margin | 2.9357% | 4,995 |
| Noninterest income to average assets | 0.3599% | 3,896 |
| Noninterest expense to average assets | 1.9165% | 5,092 |
| Loan and lease loss provision to assets | -0.2076% | 5,577 |
| Net operating income to assets | 0.7210% | 3,515 |
| Return on assets (ROA) | 0.7210% | 3,557 |
| Pretax return on assets | 1.4173% | 1,933 |
| Return on Equity (ROE) | 7.9456% | 2,820 |
| Retained earnings to average equity (ytd only) | 4.3542% | 2,545 |
| Net charge-offs to loans | -0.0360% | 5,104 |
| Credit loss provision to net charge-offs | 1,339.2857% | 288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3055% | 4,050 |
| Assets per employee ($millions) | 6.4558% | 1,230 |
| Cash dividends to net income (ytd only)* | 45.1997% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 1,664 |
| Loan loss allowance to noncurrent loans | 1,448.7179% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 4,850 |
| Noncurrent loans to loans | 0.0984% | 4,549 |
| Net loans and leases to total assets | 41.7174% | 5,073 |
| Net loans and leases to deposits | 46.4191% | 5,179 |
| Net loans and leases to core deposits | 47.7006% | 5,198 |
| Total domestic deposits to total assets | 89.8712% | 611 |
| Equity capital to assets | 8.8301% | 4,868 |
| Core capital (leverage) ratio | 9.3782% | 4,193 |
| Tier 1 risk-based capital ratio | 19.6959% | 1,379 |
| Total risk-based capital ratio | 20.9464% | 1,345 |
| Memoranda: | ||
| Average total assets | $361,186,400 | 1,861 |
| Average earning assets | $340,324,600 | 1,843 |
| Average equity | $32,772,800 | 2,183 |
| Average total loans | $155,484,800 | 2,595 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1195% | 5,313 |
| Cost of funding earning assets | 0.1795% | 5,142 |
| Net interest margin | 2.9400% | 5,033 |
| Noninterest income to average assets | 0.3632% | 3,932 |
| Noninterest expense to average assets | 1.9332% | 5,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7623% | 3,683 |
| Return on assets (ROA) | 0.7623% | 3,744 |
| Pretax return on assets | 1.1948% | 2,931 |
| Return on Equity (ROE) | 8.3422% | 2,962 |
| Retained earnings to average equity (ytd only) | 8.3422% | 1,075 |
| Net charge-offs to loans | -0.0336% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8032% | 3,917 |
| Assets per employee ($millions) | 6.2680% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 595 |
| Loan loss allowance to noncurrent loans | 244.9264% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 3,570 |
| Noncurrent loans to loans | 0.8079% | 2,345 |
| Net loans and leases to total assets | 40.7804% | 5,167 |
| Net loans and leases to deposits | 45.6402% | 5,267 |
| Net loans and leases to core deposits | 46.8553% | 5,288 |
| Total domestic deposits to total assets | 89.3518% | 723 |
| Equity capital to assets | 9.3416% | 4,602 |
| Core capital (leverage) ratio | 9.5689% | 4,071 |
| Tier 1 risk-based capital ratio | 19.7820% | 1,414 |
| Total risk-based capital ratio | 21.0376% | 1,373 |
| Memoranda: | ||
| Average total assets | $357,874,000 | 1,890 |
| Average earning assets | $336,540,250 | 1,867 |
| Average equity | $32,700,250 | 2,202 |
| Average total loans | $154,739,750 | 2,619 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0982% | 5,349 |
| Cost of funding earning assets | 0.1735% | 5,183 |
| Net interest margin | 2.9247% | 5,051 |
| Noninterest income to average assets | 0.3371% | 4,138 |
| Noninterest expense to average assets | 1.9383% | 5,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7321% | 3,696 |
| Return on assets (ROA) | 0.7321% | 3,762 |
| Pretax return on assets | 1.1456% | 2,994 |
| Return on Equity (ROE) | 8.0731% | 2,986 |
| Retained earnings to average equity (ytd only) | 8.0731% | 1,133 |
| Net charge-offs to loans | -0.0103% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8530% | 3,839 |
| Assets per employee ($millions) | 6.4735% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9913% | 613 |
| Loan loss allowance to noncurrent loans | 226.9732% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 3,159 |
| Noncurrent loans to loans | 0.8773% | 2,226 |
| Net loans and leases to total assets | 39.5097% | 5,241 |
| Net loans and leases to deposits | 44.0242% | 5,342 |
| Net loans and leases to core deposits | 45.1699% | 5,368 |
| Total domestic deposits to total assets | 89.7455% | 623 |
| Equity capital to assets | 9.0046% | 4,897 |
| Core capital (leverage) ratio | 9.3668% | 4,272 |
| Tier 1 risk-based capital ratio | 19.2403% | 1,536 |
| Total risk-based capital ratio | 20.4959% | 1,481 |
| Memoranda: | ||
| Average total assets | $355,983,670 | 1,898 |
| Average earning assets | $334,322,330 | 1,883 |
| Average equity | $32,280,000 | 2,214 |
| Average total loans | $155,903,670 | 2,620 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1478% | 5,308 |
| Cost of funding earning assets | 0.1745% | 5,202 |
| Net interest margin | 2.9733% | 4,946 |
| Noninterest income to average assets | 0.4189% | 3,526 |
| Noninterest expense to average assets | 1.9263% | 5,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8161% | 3,146 |
| Return on assets (ROA) | 0.8161% | 3,201 |
| Pretax return on assets | 1.2808% | 2,304 |
| Return on Equity (ROE) | 8.9666% | 2,437 |
| Retained earnings to average equity (ytd only) | 8.9666% | 1,095 |
| Net charge-offs to loans | -0.0527% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0642% | 4,447 |
| Assets per employee ($millions) | 6.2042% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9231% | 757 |
| Loan loss allowance to noncurrent loans | 108.3000% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.0813% | 1,648 |
| Noncurrent loans to loans | 1.7757% | 1,064 |
| Net loans and leases to total assets | 42.9042% | 5,112 |
| Net loans and leases to deposits | 47.9660% | 5,223 |
| Net loans and leases to core deposits | 49.3124% | 5,249 |
| Total domestic deposits to total assets | 89.4471% | 926 |
| Equity capital to assets | 9.1477% | 4,662 |
| Core capital (leverage) ratio | 9.5700% | 4,032 |
| Tier 1 risk-based capital ratio | 18.5826% | 1,722 |
| Total risk-based capital ratio | 19.8377% | 1,680 |
| Memoranda: | ||
| Average total assets | $349,481,500 | 1,937 |
| Average earning assets | $327,717,500 | 1,923 |
| Average equity | $31,807,000 | 2,248 |
| Average total loans | $159,481,500 | 2,583 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1493% | 5,359 |
| Cost of funding earning assets | 0.1920% | 5,096 |
| Net interest margin | 2.9573% | 5,037 |
| Noninterest income to average assets | 0.3920% | 3,952 |
| Noninterest expense to average assets | 1.9978% | 5,195 |
| Loan and lease loss provision to assets | 0.1040% | 2,308 |
| Net operating income to assets | 0.6922% | 3,821 |
| Return on assets (ROA) | 0.6962% | 3,908 |
| Pretax return on assets | 1.0703% | 3,216 |
| Return on Equity (ROE) | 7.4421% | 3,242 |
| Retained earnings to average equity (ytd only) | 3.5635% | 3,389 |
| Net charge-offs to loans | -0.1034% | 5,604 |
| Credit loss provision to net charge-offs | -217.9012% | 5,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1040% | 4,090 |
| Assets per employee ($millions) | 6.1665% | 1,356 |
| Cash dividends to net income (ytd only)* | 52.1169% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 949 |
| Loan loss allowance to noncurrent loans | 97.8794% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.1954% | 1,513 |
| Noncurrent loans to loans | 1.8373% | 1,029 |
| Net loans and leases to total assets | 46.7121% | 4,972 |
| Net loans and leases to deposits | 52.1223% | 5,114 |
| Net loans and leases to core deposits | 53.7101% | 5,159 |
| Total domestic deposits to total assets | 89.6202% | 814 |
| Equity capital to assets | 9.0535% | 4,760 |
| Core capital (leverage) ratio | 9.6985% | 3,860 |
| Tier 1 risk-based capital ratio | 17.5628% | 1,989 |
| Total risk-based capital ratio | 18.8173% | 1,946 |
| Memoranda: | ||
| Average total assets | $339,265,200 | 1,952 |
| Average earning assets | $318,232,800 | 1,927 |
| Average equity | $31,738,400 | 2,239 |
| Average total loans | $156,635,000 | 2,560 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1781% | 5,396 |
| Cost of funding earning assets | 0.1965% | 5,107 |
| Net interest margin | 2.9816% | 5,050 |
| Noninterest income to average assets | 0.4078% | 3,865 |
| Noninterest expense to average assets | 2.0760% | 5,052 |
| Loan and lease loss provision to assets | 0.1393% | 1,685 |
| Net operating income to assets | 0.6464% | 4,099 |
| Return on assets (ROA) | 0.6517% | 4,197 |
| Pretax return on assets | 0.9983% | 3,641 |
| Return on Equity (ROE) | 6.9099% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.9099% | 1,670 |
| Net charge-offs to loans | -0.1499% | 5,688 |
| Credit loss provision to net charge-offs | -202.8736% | 4,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7660% | 3,798 |
| Assets per employee ($millions) | 6.1928% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 816 |
| Loan loss allowance to noncurrent loans | 87.2353% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.3645% | 1,376 |
| Noncurrent loans to loans | 2.2123% | 845 |
| Net loans and leases to total assets | 45.0713% | 5,138 |
| Net loans and leases to deposits | 50.7394% | 5,265 |
| Net loans and leases to core deposits | 52.6097% | 5,288 |
| Total domestic deposits to total assets | 88.8290% | 996 |
| Equity capital to assets | 9.7937% | 4,367 |
| Core capital (leverage) ratio | 9.7114% | 3,925 |
| Tier 1 risk-based capital ratio | 19.0296% | 1,666 |
| Total risk-based capital ratio | 20.2851% | 1,623 |
| Memoranda: | ||
| Average total assets | $337,750,500 | 1,967 |
| Average earning assets | $316,913,000 | 1,940 |
| Average equity | $31,857,000 | 2,252 |
| Average total loans | $154,728,250 | 2,583 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1884% | 5,447 |
| Cost of funding earning assets | 0.1981% | 5,165 |
| Net interest margin | 2.9903% | 5,102 |
| Noninterest income to average assets | 0.4273% | 3,673 |
| Noninterest expense to average assets | 2.1224% | 5,009 |
| Loan and lease loss provision to assets | 0.2083% | 1,027 |
| Net operating income to assets | 0.5918% | 4,313 |
| Return on assets (ROA) | 0.5985% | 4,397 |
| Pretax return on assets | 0.9125% | 3,910 |
| Return on Equity (ROE) | 6.4261% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.4261% | 1,905 |
| Net charge-offs to loans | -0.2141% | 5,823 |
| Credit loss provision to net charge-offs | -212.6506% | 4,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6444% | 3,739 |
| Assets per employee ($millions) | 6.2009% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9178% | 867 |
| Loan loss allowance to noncurrent loans | 141.5311% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 2,224 |
| Noncurrent loans to loans | 1.3550% | 1,657 |
| Net loans and leases to total assets | 44.3577% | 5,209 |
| Net loans and leases to deposits | 49.7352% | 5,348 |
| Net loans and leases to core deposits | 51.3944% | 5,386 |
| Total domestic deposits to total assets | 89.1878% | 819 |
| Equity capital to assets | 9.5320% | 4,734 |
| Core capital (leverage) ratio | 9.4302% | 4,296 |
| Tier 1 risk-based capital ratio | 18.2864% | 1,855 |
| Total risk-based capital ratio | 19.5418% | 1,819 |
| Memoranda: | ||
| Average total assets | $338,864,000 | 1,967 |
| Average earning assets | $317,963,330 | 1,940 |
| Average equity | $31,559,000 | 2,271 |
| Average total loans | $155,074,670 | 2,589 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1770% | 5,521 |
| Cost of funding earning assets | 0.2034% | 5,171 |
| Net interest margin | 2.9737% | 5,176 |
| Noninterest income to average assets | 0.4263% | 3,638 |
| Noninterest expense to average assets | 2.1458% | 5,022 |
| Loan and lease loss provision to assets | 0.4180% | 320 |
| Net operating income to assets | 0.4342% | 4,885 |
| Return on assets (ROA) | 0.4476% | 4,922 |
| Pretax return on assets | 0.6703% | 4,619 |
| Return on Equity (ROE) | 4.8642% | 4,549 |
| Retained earnings to average equity (ytd only) | 4.8642% | 3,025 |
| Net charge-offs to loans | -0.0669% | 5,469 |
| Credit loss provision to net charge-offs | -1,357.6923% | 4,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7649% | 3,673 |
| Assets per employee ($millions) | 6.1058% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8327% | 1,088 |
| Loan loss allowance to noncurrent loans | 126.5948% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9704% | 2,284 |
| Noncurrent loans to loans | 1.4477% | 1,635 |
| Net loans and leases to total assets | 44.1469% | 5,235 |
| Net loans and leases to deposits | 49.3251% | 5,373 |
| Net loans and leases to core deposits | 50.8335% | 5,412 |
| Total domestic deposits to total assets | 89.5020% | 833 |
| Equity capital to assets | 9.2296% | 4,958 |
| Core capital (leverage) ratio | 9.3902% | 4,360 |
| Tier 1 risk-based capital ratio | 18.0853% | 1,960 |
| Total risk-based capital ratio | 19.3399% | 1,923 |
| Memoranda: | ||
| Average total assets | $337,771,000 | 1,983 |
| Average earning assets | $316,646,000 | 1,958 |
| Average equity | $31,084,000 | 2,297 |
| Average total loans | $155,492,000 | 2,578 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1818% | 5,536 |
| Cost of funding earning assets | 0.2385% | 4,911 |
| Net interest margin | 2.9433% | 5,265 |
| Noninterest income to average assets | 0.3617% | 4,317 |
| Noninterest expense to average assets | 2.1872% | 5,068 |
| Loan and lease loss provision to assets | -0.2557% | 6,032 |
| Net operating income to assets | 0.7615% | 3,518 |
| Return on assets (ROA) | 0.7603% | 3,618 |
| Pretax return on assets | 1.1846% | 2,714 |
| Return on Equity (ROE) | 8.2171% | 2,829 |
| Retained earnings to average equity (ytd only) | 5.4109% | 2,135 |
| Net charge-offs to loans | 0.2161% | 1,366 |
| Credit loss provision to net charge-offs | -252.8701% | 5,314 |
| Earnings coverage of net charge-offs (x) | 9.2054% | 2,847 |
| Efficiency ratio | 70.1479% | 3,199 |
| Assets per employee ($millions) | 6.2947% | 1,205 |
| Cash dividends to net income (ytd only)* | 34.1503% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 1,796 |
| Loan loss allowance to noncurrent loans | 107.1146% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.0383% | 2,113 |
| Noncurrent loans to loans | 1.4483% | 1,614 |
| Net loans and leases to total assets | 46.3938% | 5,127 |
| Net loans and leases to deposits | 51.7825% | 5,296 |
| Net loans and leases to core deposits | 53.4253% | 5,351 |
| Total domestic deposits to total assets | 89.5935% | 802 |
| Equity capital to assets | 9.1751% | 4,939 |
| Core capital (leverage) ratio | 9.6526% | 3,973 |
| Tier 1 risk-based capital ratio | 17.6424% | 2,076 |
| Total risk-based capital ratio | 18.8941% | 2,025 |
| Memoranda: | ||
| Average total assets | $327,363,000 | 2,010 |
| Average earning assets | $306,556,600 | 1,984 |
| Average equity | $30,290,600 | 2,303 |
| Average total loans | $153,144,000 | 2,554 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1781% | 5,618 |
| Cost of funding earning assets | 0.2447% | 4,937 |
| Net interest margin | 2.9334% | 5,345 |
| Noninterest income to average assets | 0.3597% | 4,362 |
| Noninterest expense to average assets | 2.2766% | 4,841 |
| Loan and lease loss provision to assets | -0.2026% | 6,100 |
| Net operating income to assets | 0.6666% | 4,050 |
| Return on assets (ROA) | 0.6650% | 4,167 |
| Pretax return on assets | 1.0305% | 3,502 |
| Return on Equity (ROE) | 7.1717% | 3,531 |
| Retained earnings to average equity (ytd only) | 7.1717% | 1,612 |
| Net charge-offs to loans | 0.1683% | 1,476 |
| Credit loss provision to net charge-offs | -257.8125% | 5,234 |
| Earnings coverage of net charge-offs (x) | 10.5679% | 2,585 |
| Efficiency ratio | 73.2745% | 2,674 |
| Assets per employee ($millions) | 6.0030% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9887% | 924 |
| Loan loss allowance to noncurrent loans | 119.3298% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.1997% | 1,974 |
| Noncurrent loans to loans | 1.6666% | 1,469 |
| Net loans and leases to total assets | 45.2310% | 5,279 |
| Net loans and leases to deposits | 50.8789% | 5,429 |
| Net loans and leases to core deposits | 52.8460% | 5,467 |
| Total domestic deposits to total assets | 88.8993% | 1,077 |
| Equity capital to assets | 9.7926% | 4,404 |
| Core capital (leverage) ratio | 9.5200% | 4,275 |
| Tier 1 risk-based capital ratio | 17.8885% | 2,055 |
| Total risk-based capital ratio | 19.1438% | 2,023 |
| Memoranda: | ||
| Average total assets | $325,798,750 | 2,030 |
| Average earning assets | $305,119,000 | 2,006 |
| Average equity | $30,210,750 | 2,321 |
| Average total loans | $152,125,500 | 2,580 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1725% | 5,661 |
| Cost of funding earning assets | 0.2453% | 4,991 |
| Net interest margin | 2.9271% | 5,393 |
| Noninterest income to average assets | 0.3113% | 4,730 |
| Noninterest expense to average assets | 2.3938% | 4,567 |
| Loan and lease loss provision to assets | -0.3015% | 6,226 |
| Net operating income to assets | 0.6182% | 4,261 |
| Return on assets (ROA) | 0.6158% | 4,386 |
| Pretax return on assets | 0.9551% | 3,751 |
| Return on Equity (ROE) | 6.7635% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.7635% | 1,809 |
| Net charge-offs to loans | 0.1573% | 1,535 |
| Credit loss provision to net charge-offs | -409.0909% | 5,173 |
| Earnings coverage of net charge-offs (x) | 8.9174% | 2,514 |
| Efficiency ratio | 78.4588% | 1,991 |
| Assets per employee ($millions) | 6.2134% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 1,040 |
| Loan loss allowance to noncurrent loans | 80.2092% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.4565% | 1,705 |
| Noncurrent loans to loans | 2.4490% | 920 |
| Net loans and leases to total assets | 44.4900% | 5,353 |
| Net loans and leases to deposits | 49.5136% | 5,532 |
| Net loans and leases to core deposits | 51.2580% | 5,565 |
| Total domestic deposits to total assets | 89.8541% | 728 |
| Equity capital to assets | 9.0038% | 5,231 |
| Core capital (leverage) ratio | 9.2787% | 4,581 |
| Tier 1 risk-based capital ratio | 16.7798% | 2,495 |
| Total risk-based capital ratio | 18.0344% | 2,448 |
| Memoranda: | ||
| Average total assets | $328,345,000 | 2,026 |
| Average earning assets | $307,332,670 | 2,001 |
| Average equity | $29,895,670 | 2,347 |
| Average total loans | $153,891,670 | 2,569 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2663% | 5,524 |
| Cost of funding earning assets | 0.2529% | 4,991 |
| Net interest margin | 3.0135% | 5,181 |
| Noninterest income to average assets | 0.2919% | 4,837 |
| Noninterest expense to average assets | 2.6728% | 3,687 |
| Loan and lease loss provision to assets | -0.6097% | 6,360 |
| Net operating income to assets | 0.6735% | 3,930 |
| Return on assets (ROA) | 0.6688% | 4,083 |
| Pretax return on assets | 1.0396% | 3,345 |
| Return on Equity (ROE) | 7.3037% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.3037% | 1,855 |
| Net charge-offs to loans | 0.2948% | 810 |
| Credit loss provision to net charge-offs | -434.2105% | 4,786 |
| Earnings coverage of net charge-offs (x) | 3.1140% | 2,650 |
| Efficiency ratio | 85.9406% | 1,185 |
| Assets per employee ($millions) | 6.2296% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9644% | 1,151 |
| Loan loss allowance to noncurrent loans | 96.3677% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.4728% | 1,789 |
| Noncurrent loans to loans | 2.0385% | 1,279 |
| Net loans and leases to total assets | 46.1862% | 5,187 |
| Net loans and leases to deposits | 51.5880% | 5,356 |
| Net loans and leases to core deposits | 53.2388% | 5,409 |
| Total domestic deposits to total assets | 89.5289% | 979 |
| Equity capital to assets | 9.3067% | 4,953 |
| Core capital (leverage) ratio | 9.3241% | 4,534 |
| Tier 1 risk-based capital ratio | 16.6437% | 2,613 |
| Total risk-based capital ratio | 17.8987% | 2,569 |
| Memoranda: | ||
| Average total assets | $324,755,000 | 2,054 |
| Average earning assets | $303,704,000 | 2,030 |
| Average equity | $29,738,500 | 2,370 |
| Average total loans | $154,704,500 | 2,556 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5202% | 5,273 |
| Cost of funding earning assets | 0.2870% | 4,930 |
| Net interest margin | 3.2331% | 4,822 |
| Noninterest income to average assets | 0.2120% | 5,588 |
| Noninterest expense to average assets | 2.3215% | 5,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5908% | 4,417 |
| Return on assets (ROA) | 0.5844% | 4,526 |
| Pretax return on assets | 0.8700% | 3,996 |
| Return on Equity (ROE) | 6.3233% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.2612% | 2,425 |
| Net charge-offs to loans | 0.0699% | 3,478 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 25.1215% | 1,509 |
| Efficiency ratio | 72.5238% | 3,120 |
| Assets per employee ($millions) | 6.1428% | 1,285 |
| Cash dividends to net income (ytd only)* | 16.7973% | 3,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3011% | 720 |
| Loan loss allowance to noncurrent loans | 111.7720% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.5441% | 1,753 |
| Noncurrent loans to loans | 2.0587% | 1,332 |
| Net loans and leases to total assets | 47.0521% | 5,244 |
| Net loans and leases to deposits | 52.2501% | 5,466 |
| Net loans and leases to core deposits | 53.9011% | 5,505 |
| Total domestic deposits to total assets | 90.0516% | 707 |
| Equity capital to assets | 9.0085% | 5,279 |
| Core capital (leverage) ratio | 9.4100% | 4,367 |
| Tier 1 risk-based capital ratio | 17.2741% | 2,391 |
| Total risk-based capital ratio | 18.5345% | 2,348 |
| Memoranda: | ||
| Average total assets | $305,614,800 | 2,129 |
| Average earning assets | $282,543,200 | 2,105 |
| Average equity | $28,244,600 | 2,390 |
| Average total loans | $153,175,600 | 2,526 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5576% | 5,249 |
| Cost of funding earning assets | 0.2919% | 4,969 |
| Net interest margin | 3.2657% | 4,736 |
| Noninterest income to average assets | 0.2767% | 5,225 |
| Noninterest expense to average assets | 2.4353% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5750% | 4,567 |
| Return on assets (ROA) | 0.5664% | 4,679 |
| Pretax return on assets | 0.8400% | 4,219 |
| Return on Equity (ROE) | 6.0865% | 4,189 |
| Retained earnings to average equity (ytd only) | 6.0865% | 2,357 |
| Net charge-offs to loans | 0.0858% | 2,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 19.6230% | 1,772 |
| Efficiency ratio | 74.0626% | 2,812 |
| Assets per employee ($millions) | 5.5947% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4078% | 729 |
| Loan loss allowance to noncurrent loans | 112.6480% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.7752% | 1,686 |
| Noncurrent loans to loans | 2.1375% | 1,446 |
| Net loans and leases to total assets | 48.5125% | 5,151 |
| Net loans and leases to deposits | 54.3033% | 5,364 |
| Net loans and leases to core deposits | 56.0569% | 5,444 |
| Total domestic deposits to total assets | 89.3361% | 1,055 |
| Equity capital to assets | 9.5203% | 4,778 |
| Core capital (leverage) ratio | 9.4265% | 4,475 |
| Tier 1 risk-based capital ratio | 17.1598% | 2,543 |
| Total risk-based capital ratio | 18.4205% | 2,498 |
| Memoranda: | ||
| Average total assets | $300,625,750 | 2,170 |
| Average earning assets | $277,217,750 | 2,161 |
| Average equity | $27,973,500 | 2,420 |
| Average total loans | $152,270,500 | 2,541 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5767% | 5,212 |
| Cost of funding earning assets | 0.2928% | 5,036 |
| Net interest margin | 3.2839% | 4,654 |
| Noninterest income to average assets | 0.1906% | 5,817 |
| Noninterest expense to average assets | 2.5176% | 4,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4751% | 4,913 |
| Return on assets (ROA) | 0.4751% | 4,981 |
| Pretax return on assets | 0.6924% | 4,665 |
| Return on Equity (ROE) | 5.1460% | 4,607 |
| Retained earnings to average equity (ytd only) | 5.1460% | 2,864 |
| Net charge-offs to loans | 0.0915% | 2,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 14.8429% | 1,890 |
| Efficiency ratio | 78.4306% | 2,235 |
| Assets per employee ($millions) | 5.9459% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4561% | 755 |
| Loan loss allowance to noncurrent loans | 116.8003% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 2.0460% | 1,553 |
| Noncurrent loans to loans | 2.1028% | 1,586 |
| Net loans and leases to total assets | 46.7942% | 5,286 |
| Net loans and leases to deposits | 52.1354% | 5,492 |
| Net loans and leases to core deposits | 53.7458% | 5,571 |
| Total domestic deposits to total assets | 89.7550% | 932 |
| Equity capital to assets | 9.1831% | 5,123 |
| Core capital (leverage) ratio | 9.2580% | 4,655 |
| Tier 1 risk-based capital ratio | 16.7846% | 2,713 |
| Total risk-based capital ratio | 18.0457% | 2,675 |
| Memoranda: | ||
| Average total assets | $300,130,330 | 2,176 |
| Average earning assets | $275,951,670 | 2,170 |
| Average equity | $27,710,670 | 2,428 |
| Average total loans | $152,968,000 | 2,529 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6576% | 4,984 |
| Cost of funding earning assets | 0.3047% | 5,017 |
| Net interest margin | 3.3529% | 4,323 |
| Noninterest income to average assets | 0.0406% | 6,508 |
| Noninterest expense to average assets | 2.7699% | 3,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2544% | 5,650 |
| Return on assets (ROA) | 0.2544% | 5,691 |
| Pretax return on assets | 0.3383% | 5,625 |
| Return on Equity (ROE) | 2.7476% | 5,544 |
| Retained earnings to average equity (ytd only) | 2.7476% | 4,441 |
| Net charge-offs to loans | 0.2396% | 1,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.6882% | 2,822 |
| Efficiency ratio | 89.1162% | 1,117 |
| Assets per employee ($millions) | 5.6351% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3833% | 932 |
| Loan loss allowance to noncurrent loans | 109.5310% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 2.2641% | 1,455 |
| Noncurrent loans to loans | 2.1759% | 1,677 |
| Net loans and leases to total assets | 49.6451% | 4,942 |
| Net loans and leases to deposits | 55.3417% | 5,170 |
| Net loans and leases to core deposits | 57.3969% | 5,246 |
| Total domestic deposits to total assets | 89.7064% | 1,238 |
| Equity capital to assets | 9.2382% | 4,830 |
| Core capital (leverage) ratio | 9.2226% | 4,689 |
| Tier 1 risk-based capital ratio | 16.2794% | 3,022 |
| Total risk-based capital ratio | 17.5405% | 2,980 |
| Memoranda: | ||
| Average total assets | $295,602,500 | 2,199 |
| Average earning assets | $270,453,500 | 2,214 |
| Average equity | $27,369,500 | 2,448 |
| Average total loans | $155,290,000 | 2,517 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5155% | 5,609 |
| Cost of funding earning assets | 0.3511% | 5,124 |
| Net interest margin | 3.1644% | 5,112 |
| Noninterest income to average assets | 0.3049% | 5,162 |
| Noninterest expense to average assets | 2.4346% | 4,975 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4962% | 4,748 |
| Return on assets (ROA) | 0.4962% | 4,885 |
| Pretax return on assets | 0.7581% | 4,307 |
| Return on Equity (ROE) | 5.5607% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.5607% | 2,241 |
| Net charge-offs to loans | 0.2726% | 2,337 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.2653% | 3,345 |
| Efficiency ratio | 76.2545% | 2,734 |
| Assets per employee ($millions) | 5.5197% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3404% | 994 |
| Loan loss allowance to noncurrent loans | 88.3024% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 3.1291% | 993 |
| Noncurrent loans to loans | 2.6505% | 1,395 |
| Net loans and leases to total assets | 52.9751% | 4,728 |
| Net loans and leases to deposits | 59.0849% | 5,026 |
| Net loans and leases to core deposits | 61.4709% | 5,110 |
| Total domestic deposits to total assets | 89.6593% | 1,244 |
| Equity capital to assets | 9.2800% | 4,712 |
| Core capital (leverage) ratio | 9.3437% | 4,489 |
| Tier 1 risk-based capital ratio | 15.4965% | 3,375 |
| Total risk-based capital ratio | 16.7572% | 3,321 |
| Memoranda: | ||
| Average total assets | $295,861,600 | 2,168 |
| Average earning assets | $270,005,600 | 2,177 |
| Average equity | $26,399,400 | 2,511 |
| Average total loans | $156,300,800 | 2,469 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4445% | 5,794 |
| Cost of funding earning assets | 0.3566% | 5,234 |
| Net interest margin | 3.0879% | 5,353 |
| Noninterest income to average assets | 0.3941% | 4,572 |
| Noninterest expense to average assets | 2.4316% | 4,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5101% | 4,758 |
| Return on assets (ROA) | 0.5101% | 4,915 |
| Pretax return on assets | 0.7797% | 4,376 |
| Return on Equity (ROE) | 5.7733% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.7733% | 2,556 |
| Net charge-offs to loans | 0.3682% | 1,728 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.0349% | 3,551 |
| Efficiency ratio | 75.7207% | 2,767 |
| Assets per employee ($millions) | 5.5412% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4084% | 1,038 |
| Loan loss allowance to noncurrent loans | 80.5254% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 3.4810% | 979 |
| Noncurrent loans to loans | 2.9908% | 1,347 |
| Net loans and leases to total assets | 51.1764% | 4,984 |
| Net loans and leases to deposits | 56.9206% | 5,291 |
| Net loans and leases to core deposits | 59.2083% | 5,360 |
| Total domestic deposits to total assets | 89.9085% | 1,050 |
| Equity capital to assets | 9.1259% | 5,021 |
| Core capital (leverage) ratio | 8.9088% | 5,253 |
| Tier 1 risk-based capital ratio | 15.8116% | 3,294 |
| Total risk-based capital ratio | 17.0731% | 3,241 |
| Memoranda: | ||
| Average total assets | $296,691,250 | 2,175 |
| Average earning assets | $270,682,000 | 2,182 |
| Average equity | $26,212,250 | 2,563 |
| Average total loans | $155,703,750 | 2,491 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4054% | 5,893 |
| Cost of funding earning assets | 0.3660% | 5,257 |
| Net interest margin | 3.0393% | 5,470 |
| Noninterest income to average assets | 0.4548% | 4,130 |
| Noninterest expense to average assets | 2.5792% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4286% | 5,114 |
| Return on assets (ROA) | 0.4286% | 5,269 |
| Pretax return on assets | 0.6483% | 4,846 |
| Return on Equity (ROE) | 4.9047% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.9047% | 3,116 |
| Net charge-offs to loans | 0.5311% | 1,245 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.3253% | 3,747 |
| Efficiency ratio | 79.9126% | 2,171 |
| Assets per employee ($millions) | 5.9441% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4307% | 1,058 |
| Loan loss allowance to noncurrent loans | 73.5387% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 3.5464% | 1,069 |
| Noncurrent loans to loans | 3.3053% | 1,319 |
| Net loans and leases to total assets | 49.3109% | 5,183 |
| Net loans and leases to deposits | 54.5573% | 5,470 |
| Net loans and leases to core deposits | 57.9372% | 5,426 |
| Total domestic deposits to total assets | 90.3836% | 818 |
| Equity capital to assets | 8.6277% | 5,641 |
| Core capital (leverage) ratio | 8.5562% | 5,601 |
| Tier 1 risk-based capital ratio | 15.6044% | 3,427 |
| Total risk-based capital ratio | 16.8663% | 3,369 |
| Memoranda: | ||
| Average total assets | $297,694,330 | 2,177 |
| Average earning assets | $271,572,000 | 2,183 |
| Average equity | $26,016,000 | 2,584 |
| Average total loans | $156,270,000 | 2,489 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3894% | 5,963 |
| Cost of funding earning assets | 0.3831% | 5,255 |
| Net interest margin | 3.0064% | 5,551 |
| Noninterest income to average assets | 0.4746% | 3,964 |
| Noninterest expense to average assets | 2.8478% | 3,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2509% | 5,723 |
| Return on assets (ROA) | 0.2509% | 5,845 |
| Pretax return on assets | 0.3621% | 5,672 |
| Return on Equity (ROE) | 2.8520% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.8520% | 4,567 |
| Net charge-offs to loans | 0.6058% | 1,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.1172% | 3,460 |
| Efficiency ratio | 88.7199% | 1,256 |
| Assets per employee ($millions) | 5.8433% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4992% | 1,119 |
| Loan loss allowance to noncurrent loans | 71.5728% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 3.5093% | 1,209 |
| Noncurrent loans to loans | 3.4918% | 1,375 |
| Net loans and leases to total assets | 51.0567% | 4,832 |
| Net loans and leases to deposits | 56.5758% | 5,188 |
| Net loans and leases to core deposits | 58.6307% | 5,276 |
| Total domestic deposits to total assets | 90.2448% | 907 |
| Equity capital to assets | 8.7502% | 5,760 |
| Core capital (leverage) ratio | 8.8119% | 5,166 |
| Tier 1 risk-based capital ratio | 15.1892% | 3,714 |
| Total risk-based capital ratio | 16.4521% | 3,656 |
| Memoranda: | ||
| Average total assets | $294,966,500 | 2,224 |
| Average earning assets | $268,365,000 | 2,225 |
| Average equity | $25,946,500 | 2,621 |
| Average total loans | $157,800,000 | 2,483 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9081% | 5,551 |
| Cost of funding earning assets | 0.4933% | 5,265 |
| Net interest margin | 3.4148% | 4,833 |
| Noninterest income to average assets | 0.3739% | 4,803 |
| Noninterest expense to average assets | 2.7823% | 4,096 |
| Loan and lease loss provision to assets | 0.2591% | 2,577 |
| Net operating income to assets | 0.2740% | 5,562 |
| Return on assets (ROA) | 0.3012% | 5,671 |
| Pretax return on assets | 0.4449% | 5,443 |
| Return on Equity (ROE) | 3.4624% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.4624% | 3,789 |
| Net charge-offs to loans | 0.7016% | 1,684 |
| Credit loss provision to net charge-offs | 67.1655% | 4,246 |
| Earnings coverage of net charge-offs (x) | 1.7210% | 4,576 |
| Efficiency ratio | 80.7351% | 2,046 |
| Assets per employee ($millions) | 5.7241% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5942% | 1,023 |
| Loan loss allowance to noncurrent loans | 67.8080% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 3.8496% | 1,136 |
| Noncurrent loans to loans | 3.8258% | 1,266 |
| Net loans and leases to total assets | 53.2356% | 4,722 |
| Net loans and leases to deposits | 59.0556% | 5,121 |
| Net loans and leases to core deposits | 61.4938% | 5,205 |
| Total domestic deposits to total assets | 90.1448% | 877 |
| Equity capital to assets | 8.8436% | 5,694 |
| Core capital (leverage) ratio | 8.7300% | 5,281 |
| Tier 1 risk-based capital ratio | 14.8156% | 3,822 |
| Total risk-based capital ratio | 16.0796% | 3,771 |
| Memoranda: | ||
| Average total assets | $294,470,800 | 2,176 |
| Average earning assets | $264,937,800 | 2,195 |
| Average equity | $25,618,000 | 2,603 |
| Average total loans | $161,912,800 | 2,402 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9120% | 5,758 |
| Cost of funding earning assets | 0.5126% | 5,354 |
| Net interest margin | 3.3994% | 5,036 |
| Noninterest income to average assets | 0.3587% | 4,954 |
| Noninterest expense to average assets | 2.8211% | 3,910 |
| Loan and lease loss provision to assets | 0.1328% | 3,886 |
| Net operating income to assets | 0.3072% | 5,590 |
| Return on assets (ROA) | 0.3429% | 5,664 |
| Pretax return on assets | 0.5110% | 5,434 |
| Return on Equity (ROE) | 3.9579% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.9579% | 4,097 |
| Net charge-offs to loans | 0.6195% | 1,782 |
| Credit loss provision to net charge-offs | 38.9404% | 4,635 |
| Earnings coverage of net charge-offs (x) | 1.7311% | 4,405 |
| Efficiency ratio | 82.6910% | 1,736 |
| Assets per employee ($millions) | 5.6548% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5758% | 1,107 |
| Loan loss allowance to noncurrent loans | 65.8057% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 4.1017% | 1,172 |
| Noncurrent loans to loans | 3.9142% | 1,323 |
| Net loans and leases to total assets | 52.1073% | 5,031 |
| Net loans and leases to deposits | 57.7058% | 5,459 |
| Net loans and leases to core deposits | 60.0511% | 5,551 |
| Total domestic deposits to total assets | 90.2982% | 677 |
| Equity capital to assets | 8.7322% | 6,083 |
| Core capital (leverage) ratio | 8.6433% | 5,563 |
| Tier 1 risk-based capital ratio | 14.8153% | 3,967 |
| Total risk-based capital ratio | 16.0790% | 3,918 |
| Memoranda: | ||
| Average total assets | $295,106,750 | 2,191 |
| Average earning assets | $265,023,500 | 2,225 |
| Average equity | $25,568,250 | 2,631 |
| Average total loans | $162,504,000 | 2,420 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9708% | 5,727 |
| Cost of funding earning assets | 0.5301% | 5,429 |
| Net interest margin | 3.4406% | 4,923 |
| Noninterest income to average assets | 0.3649% | 4,906 |
| Noninterest expense to average assets | 2.9012% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3629% | 5,368 |
| Return on assets (ROA) | 0.4156% | 5,389 |
| Pretax return on assets | 0.6275% | 5,043 |
| Return on Equity (ROE) | 4.8097% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.8097% | 3,405 |
| Net charge-offs to loans | 0.6600% | 1,671 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.4926% | 4,247 |
| Efficiency ratio | 84.1217% | 1,617 |
| Assets per employee ($millions) | 5.9395% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4814% | 1,310 |
| Loan loss allowance to noncurrent loans | 92.9307% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 3.5152% | 1,514 |
| Noncurrent loans to loans | 2.6701% | 2,251 |
| Net loans and leases to total assets | 51.5070% | 5,154 |
| Net loans and leases to deposits | 56.8915% | 5,563 |
| Net loans and leases to core deposits | 59.2559% | 5,672 |
| Total domestic deposits to total assets | 90.5356% | 643 |
| Equity capital to assets | 8.4658% | 6,243 |
| Core capital (leverage) ratio | 8.4321% | 5,740 |
| Tier 1 risk-based capital ratio | 14.6415% | 4,006 |
| Total risk-based capital ratio | 15.9044% | 3,958 |
| Memoranda: | ||
| Average total assets | $295,459,330 | 2,187 |
| Average earning assets | $264,836,330 | 2,226 |
| Average equity | $25,532,000 | 2,616 |
| Average total loans | $164,248,000 | 2,412 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1068% | 5,428 |
| Cost of funding earning assets | 0.5611% | 5,425 |
| Net interest margin | 3.5457% | 4,506 |
| Noninterest income to average assets | 0.3263% | 5,257 |
| Noninterest expense to average assets | 3.1618% | 2,730 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2262% | 5,902 |
| Return on assets (ROA) | 0.3346% | 5,709 |
| Pretax return on assets | 0.4977% | 5,437 |
| Return on Equity (ROE) | 3.8311% | 5,367 |
| Retained earnings to average equity (ytd only) | 3.8311% | 4,290 |
| Net charge-offs to loans | 0.3630% | 2,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.6225% | 3,510 |
| Efficiency ratio | 90.3959% | 1,059 |
| Assets per employee ($millions) | 5.9875% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6652% | 1,160 |
| Loan loss allowance to noncurrent loans | 67.8122% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 4.3133% | 1,258 |
| Noncurrent loans to loans | 3.9302% | 1,564 |
| Net loans and leases to total assets | 52.1576% | 4,995 |
| Net loans and leases to deposits | 57.6805% | 5,420 |
| Net loans and leases to core deposits | 60.2721% | 5,504 |
| Total domestic deposits to total assets | 90.4251% | 849 |
| Equity capital to assets | 8.4094% | 6,168 |
| Core capital (leverage) ratio | 8.6154% | 5,422 |
| Tier 1 risk-based capital ratio | 14.0613% | 4,427 |
| Total risk-based capital ratio | 15.3261% | 4,383 |
| Memoranda: | ||
| Average total assets | $291,732,000 | 2,232 |
| Average earning assets | $260,934,500 | 2,270 |
| Average equity | $25,476,000 | 2,626 |
| Average total loans | $166,376,000 | 2,403 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 4,710 |
| Cost of funding earning assets | 0.6518% | 5,815 |
| Net interest margin | 3.9385% | 3,163 |
| Noninterest income to average assets | 0.3116% | 5,313 |
| Noninterest expense to average assets | 2.8817% | 4,036 |
| Loan and lease loss provision to assets | 0.2714% | 3,501 |
| Net operating income to assets | 0.4515% | 4,634 |
| Return on assets (ROA) | 0.4822% | 4,707 |
| Pretax return on assets | 0.7374% | 4,197 |
| Return on Equity (ROE) | 5.4765% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.4765% | 2,314 |
| Net charge-offs to loans | 1.0550% | 1,641 |
| Credit loss provision to net charge-offs | 42.1918% | 5,592 |
| Earnings coverage of net charge-offs (x) | 1.4948% | 4,649 |
| Efficiency ratio | 74.9794% | 3,061 |
| Assets per employee ($millions) | 5.4530% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6679% | 1,113 |
| Loan loss allowance to noncurrent loans | 66.7554% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 5.6770% | 890 |
| Noncurrent loans to loans | 3.9965% | 1,561 |
| Net loans and leases to total assets | 59.1903% | 4,154 |
| Net loans and leases to deposits | 65.9424% | 4,742 |
| Net loans and leases to core deposits | 69.1380% | 4,893 |
| Total domestic deposits to total assets | 89.7606% | 1,124 |
| Equity capital to assets | 9.0876% | 5,431 |
| Core capital (leverage) ratio | 8.9448% | 4,873 |
| Tier 1 risk-based capital ratio | 13.2832% | 4,849 |
| Total risk-based capital ratio | 14.5478% | 4,818 |
| Memoranda: | ||
| Average total assets | $283,682,200 | 2,239 |
| Average earning assets | $254,387,200 | 2,275 |
| Average equity | $24,979,400 | 2,584 |
| Average total loans | $172,987,800 | 2,345 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5893% | 4,906 |
| Cost of funding earning assets | 0.6708% | 5,930 |
| Net interest margin | 3.9185% | 3,288 |
| Noninterest income to average assets | 0.3414% | 5,129 |
| Noninterest expense to average assets | 2.7267% | 4,626 |
| Loan and lease loss provision to assets | 0.2512% | 3,497 |
| Net operating income to assets | 0.5736% | 4,202 |
| Return on assets (ROA) | 0.6234% | 4,172 |
| Pretax return on assets | 0.9649% | 3,540 |
| Return on Equity (ROE) | 7.1360% | 3,459 |
| Retained earnings to average equity (ytd only) | 7.1360% | 1,896 |
| Net charge-offs to loans | 1.1252% | 1,410 |
| Credit loss provision to net charge-offs | 36.5804% | 5,309 |
| Earnings coverage of net charge-offs (x) | 1.6594% | 4,405 |
| Efficiency ratio | 70.5299% | 3,850 |
| Assets per employee ($millions) | 5.3914% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7740% | 1,057 |
| Loan loss allowance to noncurrent loans | 56.3990% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 6.4661% | 802 |
| Noncurrent loans to loans | 4.9185% | 1,277 |
| Net loans and leases to total assets | 57.9580% | 4,523 |
| Net loans and leases to deposits | 64.4723% | 5,108 |
| Net loans and leases to core deposits | 67.3387% | 5,260 |
| Total domestic deposits to total assets | 89.8960% | 925 |
| Equity capital to assets | 8.9762% | 5,780 |
| Core capital (leverage) ratio | 8.7740% | 5,305 |
| Tier 1 risk-based capital ratio | 13.5228% | 4,714 |
| Total risk-based capital ratio | 14.7887% | 4,675 |
| Memoranda: | ||
| Average total assets | $285,077,000 | 2,236 |
| Average earning assets | $256,415,250 | 2,273 |
| Average equity | $24,906,000 | 2,581 |
| Average total loans | $173,954,250 | 2,340 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6355% | 4,816 |
| Cost of funding earning assets | 0.6877% | 6,029 |
| Net interest margin | 3.9478% | 3,096 |
| Noninterest income to average assets | 0.3426% | 5,140 |
| Noninterest expense to average assets | 2.7134% | 4,763 |
| Loan and lease loss provision to assets | 0.2519% | 3,386 |
| Net operating income to assets | 0.6098% | 4,013 |
| Return on assets (ROA) | 0.6098% | 4,142 |
| Pretax return on assets | 0.9419% | 3,466 |
| Return on Equity (ROE) | 7.0428% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.0428% | 1,860 |
| Net charge-offs to loans | 0.9034% | 1,724 |
| Credit loss provision to net charge-offs | 45.3518% | 4,698 |
| Earnings coverage of net charge-offs (x) | 2.1495% | 3,767 |
| Efficiency ratio | 69.4464% | 4,222 |
| Assets per employee ($millions) | 5.5414% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9869% | 908 |
| Loan loss allowance to noncurrent loans | 59.4325% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 5.5734% | 1,055 |
| Noncurrent loans to loans | 5.0257% | 1,297 |
| Net loans and leases to total assets | 58.9800% | 4,470 |
| Net loans and leases to deposits | 65.7139% | 5,040 |
| Net loans and leases to core deposits | 68.9632% | 5,193 |
| Total domestic deposits to total assets | 89.7527% | 1,095 |
| Equity capital to assets | 9.0074% | 5,570 |
| Core capital (leverage) ratio | 8.4838% | 5,574 |
| Tier 1 risk-based capital ratio | 13.1654% | 4,792 |
| Total risk-based capital ratio | 14.4341% | 4,759 |
| Memoranda: | ||
| Average total assets | $286,651,670 | 2,232 |
| Average earning assets | $258,828,330 | 2,264 |
| Average equity | $24,819,670 | 2,581 |
| Average total loans | $176,231,330 | 2,333 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 5,182 |
| Cost of funding earning assets | 0.7125% | 6,064 |
| Net interest margin | 3.8345% | 3,447 |
| Noninterest income to average assets | 0.3630% | 5,010 |
| Noninterest expense to average assets | 2.7893% | 4,491 |
| Loan and lease loss provision to assets | 0.2439% | 3,230 |
| Net operating income to assets | 0.5238% | 4,386 |
| Return on assets (ROA) | 0.5238% | 4,471 |
| Pretax return on assets | 0.8051% | 3,883 |
| Return on Equity (ROE) | 6.1711% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.1711% | 2,542 |
| Net charge-offs to loans | 1.0715% | 1,281 |
| Credit loss provision to net charge-offs | 36.8201% | 4,006 |
| Earnings coverage of net charge-offs (x) | 1.5837% | 3,524 |
| Efficiency ratio | 72.6715% | 3,736 |
| Assets per employee ($millions) | 5.5406% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0207% | 904 |
| Loan loss allowance to noncurrent loans | 71.0335% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 5.1237% | 1,224 |
| Noncurrent loans to loans | 4.2524% | 1,676 |
| Net loans and leases to total assets | 58.6701% | 4,518 |
| Net loans and leases to deposits | 65.1320% | 5,105 |
| Net loans and leases to core deposits | 68.1178% | 5,273 |
| Total domestic deposits to total assets | 90.0788% | 1,106 |
| Equity capital to assets | 8.5953% | 5,776 |
| Core capital (leverage) ratio | 8.2134% | 5,955 |
| Tier 1 risk-based capital ratio | 12.6381% | 5,125 |
| Total risk-based capital ratio | 13.9075% | 5,083 |
| Memoranda: | ||
| Average total assets | $288,672,000 | 2,246 |
| Average earning assets | $261,623,000 | 2,256 |
| Average equity | $24,501,500 | 2,595 |
| Average total loans | $178,439,000 | 2,330 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 5,581 |
| Cost of funding earning assets | 0.9724% | 5,824 |
| Net interest margin | 3.7873% | 3,998 |
| Noninterest income to average assets | 0.3058% | 5,609 |
| Noninterest expense to average assets | 2.5683% | 5,547 |
| Loan and lease loss provision to assets | 2.3599% | 496 |
| Net operating income to assets | -0.7020% | 6,516 |
| Return on assets (ROA) | -0.7020% | 6,553 |
| Pretax return on assets | -1.1641% | 6,726 |
| Return on Equity (ROE) | -8.5380% | 6,650 |
| Retained earnings to average equity (ytd only) | -8.5380% | 6,566 |
| Net charge-offs to loans | 2.2801% | 849 |
| Credit loss provision to net charge-offs | 157.8486% | 2,230 |
| Earnings coverage of net charge-offs (x) | 0.7999% | 5,329 |
| Efficiency ratio | 68.2314% | 4,514 |
| Assets per employee ($millions) | 5.4572% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0491% | 835 |
| Loan loss allowance to noncurrent loans | 61.6705% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 4.8812% | 1,325 |
| Noncurrent loans to loans | 4.9442% | 1,369 |
| Net loans and leases to total assets | 61.2001% | 4,454 |
| Net loans and leases to deposits | 67.7443% | 5,140 |
| Net loans and leases to core deposits | 71.4293% | 5,279 |
| Total domestic deposits to total assets | 90.3400% | 914 |
| Equity capital to assets | 8.3804% | 6,034 |
| Core capital (leverage) ratio | 8.4636% | 5,428 |
| Tier 1 risk-based capital ratio | 12.3899% | 5,125 |
| Total risk-based capital ratio | 13.6602% | 5,082 |
| Memoranda: | ||
| Average total assets | $289,761,000 | 2,216 |
| Average earning assets | $264,597,000 | 2,218 |
| Average equity | $23,823,000 | 2,672 |
| Average total loans | $189,994,200 | 2,250 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 5,602 |
| Cost of funding earning assets | 1.0364% | 5,767 |
| Net interest margin | 3.7770% | 4,068 |
| Noninterest income to average assets | 0.3840% | 5,083 |
| Noninterest expense to average assets | 2.5117% | 5,672 |
| Loan and lease loss provision to assets | 2.7219% | 360 |
| Net operating income to assets | -0.8486% | 6,813 |
| Return on assets (ROA) | -0.8486% | 6,855 |
| Pretax return on assets | -1.4000% | 7,014 |
| Return on Equity (ROE) | -10.3712% | 6,946 |
| Retained earnings to average equity (ytd only) | -10.3712% | 6,898 |
| Net charge-offs to loans | 2.0467% | 916 |
| Credit loss provision to net charge-offs | 200.9508% | 1,773 |
| Earnings coverage of net charge-offs (x) | 0.9759% | 5,085 |
| Efficiency ratio | 65.5189% | 4,959 |
| Assets per employee ($millions) | 5.1864% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2964% | 643 |
| Loan loss allowance to noncurrent loans | 68.3662% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 6.0029% | 990 |
| Noncurrent loans to loans | 4.8217% | 1,459 |
| Net loans and leases to total assets | 63.2046% | 4,276 |
| Net loans and leases to deposits | 70.1510% | 5,125 |
| Net loans and leases to core deposits | 73.9330% | 5,301 |
| Total domestic deposits to total assets | 90.0980% | 828 |
| Equity capital to assets | 8.5366% | 6,236 |
| Core capital (leverage) ratio | 8.3116% | 5,850 |
| Tier 1 risk-based capital ratio | 12.4532% | 5,030 |
| Total risk-based capital ratio | 13.7265% | 4,980 |
| Memoranda: | ||
| Average total assets | $289,893,000 | 2,244 |
| Average earning assets | $264,753,250 | 2,252 |
| Average equity | $23,719,000 | 2,726 |
| Average total loans | $191,848,250 | 2,270 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 5,750 |
| Cost of funding earning assets | 1.0877% | 5,746 |
| Net interest margin | 3.7248% | 4,251 |
| Noninterest income to average assets | 0.3807% | 5,078 |
| Noninterest expense to average assets | 2.4743% | 5,817 |
| Loan and lease loss provision to assets | 1.7560% | 708 |
| Net operating income to assets | -0.2415% | 6,403 |
| Return on assets (ROA) | -0.2415% | 6,444 |
| Pretax return on assets | -0.4271% | 6,535 |
| Return on Equity (ROE) | -2.9929% | 6,516 |
| Retained earnings to average equity (ytd only) | -2.9929% | 6,299 |
| Net charge-offs to loans | 2.1491% | 836 |
| Credit loss provision to net charge-offs | 122.9814% | 3,286 |
| Earnings coverage of net charge-offs (x) | 0.9307% | 4,847 |
| Efficiency ratio | 65.0583% | 5,140 |
| Assets per employee ($millions) | 5.4741% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8666% | 2,519 |
| Loan loss allowance to noncurrent loans | 33.0103% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 5.1597% | 1,228 |
| Noncurrent loans to loans | 5.6545% | 1,156 |
| Net loans and leases to total assets | 62.9963% | 4,466 |
| Net loans and leases to deposits | 69.7241% | 5,320 |
| Net loans and leases to core deposits | 73.2524% | 5,528 |
| Total domestic deposits to total assets | 90.3508% | 744 |
| Equity capital to assets | 8.2754% | 6,456 |
| Core capital (leverage) ratio | 8.0439% | 6,212 |
| Tier 1 risk-based capital ratio | 11.9015% | 5,402 |
| Total risk-based capital ratio | 13.1579% | 5,370 |
| Memoranda: | ||
| Average total assets | $293,169,000 | 2,245 |
| Average earning assets | $269,381,330 | 2,234 |
| Average equity | $23,656,000 | 2,728 |
| Average total loans | $194,781,670 | 2,268 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 5,650 |
| Cost of funding earning assets | 1.1425% | 5,687 |
| Net interest margin | 3.7159% | 4,161 |
| Noninterest income to average assets | 0.3603% | 5,257 |
| Noninterest expense to average assets | 2.3634% | 6,201 |
| Loan and lease loss provision to assets | 2.3620% | 452 |
| Net operating income to assets | -0.5713% | 6,874 |
| Return on assets (ROA) | -0.5713% | 6,909 |
| Pretax return on assets | -0.9563% | 7,031 |
| Return on Equity (ROE) | -7.1733% | 7,011 |
| Retained earnings to average equity (ytd only) | -7.1733% | 6,762 |
| Net charge-offs to loans | 2.4329% | 681 |
| Credit loss provision to net charge-offs | 143.6667% | 2,476 |
| Earnings coverage of net charge-offs (x) | 0.8550% | 4,281 |
| Efficiency ratio | 62.7045% | 5,708 |
| Assets per employee ($millions) | 5.4821% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 2,661 |
| Loan loss allowance to noncurrent loans | 30.7494% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 5.1468% | 1,232 |
| Noncurrent loans to loans | 5.9274% | 1,119 |
| Net loans and leases to total assets | 66.4807% | 3,753 |
| Net loans and leases to deposits | 73.2948% | 4,856 |
| Net loans and leases to core deposits | 78.6275% | 4,947 |
| Total domestic deposits to total assets | 90.7032% | 653 |
| Equity capital to assets | 7.9600% | 6,700 |
| Core capital (leverage) ratio | 7.7566% | 6,560 |
| Tier 1 risk-based capital ratio | 11.0371% | 6,124 |
| Total risk-based capital ratio | 12.2932% | 6,090 |
| Memoranda: | ||
| Average total assets | $291,953,500 | 2,301 |
| Average earning assets | $267,825,500 | 2,296 |
| Average equity | $23,253,000 | 2,799 |
| Average total loans | $197,293,000 | 2,298 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3141% | 5,112 |
| Cost of funding earning assets | 1.7581% | 4,210 |
| Net interest margin | 3.5560% | 4,719 |
| Noninterest income to average assets | 0.4130% | 5,099 |
| Noninterest expense to average assets | 2.6086% | 5,769 |
| Loan and lease loss provision to assets | 1.1287% | 2,020 |
| Net operating income to assets | -0.0522% | 5,588 |
| Return on assets (ROA) | -0.0121% | 5,553 |
| Pretax return on assets | -0.0604% | 5,536 |
| Return on Equity (ROE) | -0.1425% | 5,561 |
| Retained earnings to average equity (ytd only) | -3.0770% | 5,715 |
| Net charge-offs to loans | 1.2120% | 2,031 |
| Credit loss provision to net charge-offs | 134.7122% | 3,682 |
| Earnings coverage of net charge-offs (x) | 1.2004% | 4,926 |
| Efficiency ratio | 72.1728% | 4,238 |
| Assets per employee ($millions) | 5.3337% | 1,810 |
| Cash dividends to net income (ytd only)* | -2,058.8235% | 8,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 3,490 |
| Loan loss allowance to noncurrent loans | 40.8515% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 3.6342% | 1,833 |
| Noncurrent loans to loans | 3.7874% | 1,978 |
| Net loans and leases to total assets | 66.3967% | 4,058 |
| Net loans and leases to deposits | 74.0356% | 5,032 |
| Net loans and leases to core deposits | 104.7002% | 3,489 |
| Total domestic deposits to total assets | 89.6821% | 1,120 |
| Equity capital to assets | 7.9692% | 6,614 |
| Core capital (leverage) ratio | 8.1888% | 5,832 |
| Tier 1 risk-based capital ratio | 11.2820% | 5,629 |
| Total risk-based capital ratio | 12.5350% | 5,584 |
| Memoranda: | ||
| Average total assets | $279,884,600 | 2,350 |
| Average earning assets | $251,970,000 | 2,387 |
| Average equity | $23,854,400 | 2,741 |
| Average total loans | $193,489,800 | 2,358 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3826% | 5,029 |
| Cost of funding earning assets | 1.9142% | 3,800 |
| Net interest margin | 3.4683% | 5,001 |
| Noninterest income to average assets | 0.4219% | 5,120 |
| Noninterest expense to average assets | 2.4581% | 6,219 |
| Loan and lease loss provision to assets | 1.3515% | 1,430 |
| Net operating income to assets | -0.1779% | 6,026 |
| Return on assets (ROA) | -0.1239% | 5,955 |
| Pretax return on assets | -0.1967% | 5,975 |
| Return on Equity (ROE) | -1.4293% | 6,007 |
| Retained earnings to average equity (ytd only) | -2.5416% | 5,826 |
| Net charge-offs to loans | 1.3499% | 1,524 |
| Credit loss provision to net charge-offs | 143.8912% | 3,394 |
| Earnings coverage of net charge-offs (x) | 1.1396% | 4,922 |
| Efficiency ratio | 69.6638% | 4,655 |
| Assets per employee ($millions) | 5.1642% | 1,944 |
| Cash dividends to net income (ytd only)* | -77.8206% | 7,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 2,994 |
| Loan loss allowance to noncurrent loans | 36.8527% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 4.0306% | 1,580 |
| Noncurrent loans to loans | 4.3397% | 1,643 |
| Net loans and leases to total assets | 68.4626% | 3,854 |
| Net loans and leases to deposits | 77.0702% | 4,889 |
| Net loans and leases to core deposits | 105.9431% | 3,706 |
| Total domestic deposits to total assets | 88.8316% | 1,277 |
| Equity capital to assets | 8.5188% | 6,229 |
| Core capital (leverage) ratio | 8.2366% | 5,952 |
| Tier 1 risk-based capital ratio | 11.3410% | 5,601 |
| Total risk-based capital ratio | 12.5940% | 5,534 |
| Memoranda: | ||
| Average total assets | $276,517,000 | 2,388 |
| Average earning assets | $247,682,750 | 2,444 |
| Average equity | $23,973,500 | 2,762 |
| Average total loans | $192,402,500 | 2,400 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4691% | 4,789 |
| Cost of funding earning assets | 2.0365% | 3,592 |
| Net interest margin | 3.4326% | 5,057 |
| Noninterest income to average assets | 0.4069% | 5,225 |
| Noninterest expense to average assets | 2.5118% | 6,083 |
| Loan and lease loss provision to assets | 1.0278% | 1,649 |
| Net operating income to assets | -0.0805% | 5,976 |
| Return on assets (ROA) | 0.0464% | 5,804 |
| Pretax return on assets | 0.0384% | 5,798 |
| Return on Equity (ROE) | 0.5323% | 5,779 |
| Retained earnings to average equity (ytd only) | -1.1312% | 5,520 |
| Net charge-offs to loans | 1.0216% | 1,736 |
| Credit loss provision to net charge-offs | 144.5918% | 3,206 |
| Earnings coverage of net charge-offs (x) | 1.3214% | 4,531 |
| Efficiency ratio | 72.7827% | 4,249 |
| Assets per employee ($millions) | 5.2734% | 1,791 |
| Cash dividends to net income (ytd only)* | 312.5000% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 3,764 |
| Loan loss allowance to noncurrent loans | 61.8806% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 2.8143% | 2,283 |
| Noncurrent loans to loans | 2.2510% | 3,185 |
| Net loans and leases to total assets | 66.7490% | 4,407 |
| Net loans and leases to deposits | 75.0269% | 5,316 |
| Net loans and leases to core deposits | 105.4302% | 3,908 |
| Total domestic deposits to total assets | 88.9667% | 1,286 |
| Equity capital to assets | 8.3824% | 6,226 |
| Core capital (leverage) ratio | 8.2681% | 5,858 |
| Tier 1 risk-based capital ratio | 11.6700% | 5,224 |
| Total risk-based capital ratio | 12.8888% | 5,186 |
| Memoranda: | ||
| Average total assets | $275,734,000 | 2,411 |
| Average earning assets | $244,539,330 | 2,484 |
| Average equity | $24,046,000 | 2,751 |
| Average total loans | $191,862,670 | 2,438 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6446% | 4,084 |
| Cost of funding earning assets | 2.1448% | 3,440 |
| Net interest margin | 3.4998% | 4,740 |
| Noninterest income to average assets | 0.4144% | 5,100 |
| Noninterest expense to average assets | 2.3892% | 6,233 |
| Loan and lease loss provision to assets | 0.4675% | 2,607 |
| Net operating income to assets | 0.4004% | 4,858 |
| Return on assets (ROA) | 0.5708% | 4,339 |
| Pretax return on assets | 0.8672% | 3,836 |
| Return on Equity (ROE) | 6.4142% | 3,851 |
| Retained earnings to average equity (ytd only) | 3.0994% | 4,147 |
| Net charge-offs to loans | 0.9132% | 1,446 |
| Credit loss provision to net charge-offs | 72.5400% | 4,310 |
| Earnings coverage of net charge-offs (x) | 1.6705% | 3,893 |
| Efficiency ratio | 68.9362% | 4,787 |
| Assets per employee ($millions) | 5.2128% | 1,838 |
| Cash dividends to net income (ytd only)* | 51.6796% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 5,363 |
| Loan loss allowance to noncurrent loans | 50.9335% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 2.3686% | 2,416 |
| Noncurrent loans to loans | 2.1870% | 2,997 |
| Net loans and leases to total assets | 68.3764% | 4,053 |
| Net loans and leases to deposits | 76.6681% | 5,128 |
| Net loans and leases to core deposits | 112.2766% | 3,187 |
| Total domestic deposits to total assets | 89.1849% | 1,154 |
| Equity capital to assets | 8.7704% | 5,665 |
| Core capital (leverage) ratio | 8.8510% | 4,910 |
| Tier 1 risk-based capital ratio | 12.0541% | 4,919 |
| Total risk-based capital ratio | 13.1285% | 4,963 |
| Memoranda: | ||
| Average total assets | $271,219,000 | 2,451 |
| Average earning assets | $236,474,000 | 2,570 |
| Average equity | $24,134,000 | 2,751 |
| Average total loans | $191,413,000 | 2,458 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5147% | 2,888 |
| Cost of funding earning assets | 2.4597% | 4,426 |
| Net interest margin | 4.0549% | 2,896 |
| Noninterest income to average assets | 0.6779% | 3,272 |
| Noninterest expense to average assets | 2.3654% | 6,517 |
| Loan and lease loss provision to assets | 0.4711% | 2,945 |
| Net operating income to assets | 0.9574% | 2,754 |
| Return on assets (ROA) | 0.9567% | 2,628 |
| Pretax return on assets | 1.4822% | 1,734 |
| Return on Equity (ROE) | 11.1712% | 1,853 |
| Retained earnings to average equity (ytd only) | 11.1712% | 305 |
| Net charge-offs to loans | 0.4761% | 2,455 |
| Credit loss provision to net charge-offs | 137.2919% | 3,877 |
| Earnings coverage of net charge-offs (x) | 5.6959% | 3,559 |
| Efficiency ratio | 54.7562% | 7,177 |
| Assets per employee ($millions) | 4.9288% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 4,761 |
| Loan loss allowance to noncurrent loans | 45.6354% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 1.9515% | 2,517 |
| Noncurrent loans to loans | 2.5685% | 2,114 |
| Net loans and leases to total assets | 71.2132% | 3,746 |
| Net loans and leases to deposits | 79.7710% | 5,084 |
| Net loans and leases to core deposits | 106.5550% | 4,129 |
| Total domestic deposits to total assets | 89.2721% | 933 |
| Equity capital to assets | 9.0311% | 5,333 |
| Core capital (leverage) ratio | 9.4857% | 4,029 |
| Tier 1 risk-based capital ratio | 12.0438% | 4,790 |
| Total risk-based capital ratio | 13.1877% | 4,758 |
| Memoranda: | ||
| Average total assets | $262,577,600 | 2,442 |
| Average earning assets | $235,837,200 | 2,494 |
| Average equity | $22,486,400 | 2,914 |
| Average total loans | $189,261,200 | 2,400 |