Home > Hebron Savings Bank > Performance and Condition Ratios
Hebron Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2260% | 1,616 |
| Cost of funding earning assets | 0.4451% | 4,252 |
| Net interest margin | 4.7809% | 425 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.5181% | 2,244 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.7216% | 702 |
| Return on assets (ROA) | 1.7273% | 667 |
| Pretax return on assets | 2.3307% | 415 |
| Return on Equity (ROE) | 17.9500% | 822 |
| Retained earnings to average equity (ytd only) | 14.8874% | 329 |
| Net charge-offs to loans | 0.0408% | 1,496 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 85.0048% | 984 |
| Efficiency ratio | 51.7149% | 3,859 |
| Assets per employee ($millions) | 5.5680% | 3,185 |
| Cash dividends to net income (ytd only)* | 17.0492% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 838 |
| Loan loss allowance to noncurrent loans | 726.9653% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 2,444 |
| Noncurrent loans to loans | 0.2198% | 2,438 |
| Net loans and leases to total assets | 73.1800% | 1,453 |
| Net loans and leases to deposits | 84.2208% | 1,759 |
| Net loans and leases to core deposits | 87.8279% | 2,185 |
| Total domestic deposits to total assets | 86.8900% | 1,718 |
| Equity capital to assets | 10.8993% | 1,522 |
| Core capital (leverage) ratio | 11.5811% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6230% | 1,366 |
| Memoranda: | ||
| Average total assets | $759,270,400 | 1,229 |
| Average earning assets | $712,478,800 | 1,212 |
| Average equity | $73,075,200 | 1,207 |
| Average total loans | $514,269,000 | 1,202 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1198% | 1,593 |
| Cost of funding earning assets | 0.3990% | 4,258 |
| Net interest margin | 4.7208% | 450 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.4422% | 2,397 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.7304% | 758 |
| Return on assets (ROA) | 1.7136% | 765 |
| Pretax return on assets | 2.3093% | 477 |
| Return on Equity (ROE) | 18.3800% | 897 |
| Retained earnings to average equity (ytd only) | 17.0300% | 389 |
| Net charge-offs to loans | 0.0593% | 1,079 |
| Credit loss provision to net charge-offs | 100.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 60.4115% | 1,200 |
| Efficiency ratio | 50.7521% | 3,856 |
| Assets per employee ($millions) | 5.6200% | 3,087 |
| Cash dividends to net income (ytd only)* | 7.3339% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 760 |
| Loan loss allowance to noncurrent loans | 665.6347% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 2,418 |
| Noncurrent loans to loans | 0.2503% | 2,340 |
| Net loans and leases to total assets | 68.4100% | 2,003 |
| Net loans and leases to deposits | 77.8385% | 2,264 |
| Net loans and leases to core deposits | 86.6703% | 2,143 |
| Total domestic deposits to total assets | 87.8900% | 1,613 |
| Equity capital to assets | 9.9690% | 1,845 |
| Core capital (leverage) ratio | 11.0565% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6450% | 1,395 |
| Memoranda: | ||
| Average total assets | $768,128,500 | 1,213 |
| Average earning assets | $721,440,750 | 1,197 |
| Average equity | $71,620,750 | 1,224 |
| Average total loans | $508,257,750 | 1,213 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9813% | 1,594 |
| Cost of funding earning assets | 0.3620% | 4,223 |
| Net interest margin | 4.6192% | 507 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.3864% | 2,536 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.6955% | 791 |
| Return on assets (ROA) | 1.6955% | 793 |
| Pretax return on assets | 2.2850% | 477 |
| Return on Equity (ROE) | 18.5900% | 883 |
| Retained earnings to average equity (ytd only) | 16.7102% | 409 |
| Net charge-offs to loans | 0.0752% | 822 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 47.7158% | 1,310 |
| Efficiency ratio | 50.5563% | 3,875 |
| Assets per employee ($millions) | 5.6892% | 2,988 |
| Cash dividends to net income (ytd only)* | 10.1275% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7250% | 707 |
| Loan loss allowance to noncurrent loans | 604.7820% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 2,205 |
| Noncurrent loans to loans | 0.2852% | 2,124 |
| Net loans and leases to total assets | 65.2400% | 2,242 |
| Net loans and leases to deposits | 73.9864% | 2,495 |
| Net loans and leases to core deposits | 81.2456% | 2,392 |
| Total domestic deposits to total assets | 88.1800% | 1,539 |
| Equity capital to assets | 9.7014% | 2,029 |
| Core capital (leverage) ratio | 10.6047% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4139% | 1,449 |
| Memoranda: | ||
| Average total assets | $776,892,000 | 1,202 |
| Average earning assets | $730,898,333 | 1,187 |
| Average equity | $70,843,000 | 1,225 |
| Average total loans | $505,638,000 | 1,201 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 1,564 |
| Cost of funding earning assets | 0.3398% | 4,108 |
| Net interest margin | 4.4865% | 595 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.3245% | 2,749 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.6319% | 931 |
| Return on assets (ROA) | 1.6575% | 891 |
| Pretax return on assets | 2.2278% | 548 |
| Return on Equity (ROE) | 18.7500% | 920 |
| Retained earnings to average equity (ytd only) | 18.4601% | 481 |
| Net charge-offs to loans | 0.0974% | 606 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 35.9597% | 1,228 |
| Efficiency ratio | 50.7238% | 3,878 |
| Assets per employee ($millions) | 5.8508% | 2,895 |
| Cash dividends to net income (ytd only)* | 1.5277% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7164% | 781 |
| Loan loss allowance to noncurrent loans | 382.9029% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 1,600 |
| Noncurrent loans to loans | 0.4483% | 1,601 |
| Net loans and leases to total assets | 63.7600% | 2,271 |
| Net loans and leases to deposits | 71.9686% | 2,470 |
| Net loans and leases to core deposits | 78.1711% | 2,377 |
| Total domestic deposits to total assets | 88.6000% | 1,703 |
| Equity capital to assets | 9.3325% | 2,275 |
| Core capital (leverage) ratio | 9.9090% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1429% | 1,587 |
| Memoranda: | ||
| Average total assets | $789,851,000 | 1,209 |
| Average earning assets | $744,012,500 | 1,189 |
| Average equity | $69,837,000 | 1,250 |
| Average total loans | $509,183,500 | 1,212 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 1,999 |
| Cost of funding earning assets | 0.4234% | 1,916 |
| Net interest margin | 3.4707% | 2,030 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.9798% | 3,636 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2117% | 1,730 |
| Return on assets (ROA) | 1.1621% | 1,858 |
| Pretax return on assets | 1.5607% | 1,267 |
| Return on Equity (ROE) | 14.4700% | 1,414 |
| Retained earnings to average equity (ytd only) | 11.8693% | 697 |
| Net charge-offs to loans | 0.1599% | 515 |
| Credit loss provision to net charge-offs | 14.3207% | 1,947 |
| Earnings coverage of net charge-offs (x) | 16.4957% | 1,977 |
| Efficiency ratio | 54.7281% | 3,721 |
| Assets per employee ($millions) | 6.1633% | 2,626 |
| Cash dividends to net income (ytd only)* | 17.9860% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 853 |
| Loan loss allowance to noncurrent loans | 415.8607% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 1,764 |
| Noncurrent loans to loans | 0.3998% | 1,724 |
| Net loans and leases to total assets | 63.0100% | 2,329 |
| Net loans and leases to deposits | 70.4156% | 2,546 |
| Net loans and leases to core deposits | 77.0439% | 2,350 |
| Total domestic deposits to total assets | 89.4800% | 1,568 |
| Equity capital to assets | 8.3725% | 2,793 |
| Core capital (leverage) ratio | 9.0282% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0098% | 1,976 |
| Memoranda: | ||
| Average total assets | $822,902,800 | 1,161 |
| Average earning assets | $776,507,200 | 1,140 |
| Average equity | $66,077,800 | 1,306 |
| Average total loans | $510,996,600 | 1,163 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5786% | 2,403 |
| Cost of funding earning assets | 0.4446% | 1,006 |
| Net interest margin | 3.1340% | 2,819 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.9315% | 3,669 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0193% | 2,409 |
| Return on assets (ROA) | 0.9524% | 2,626 |
| Pretax return on assets | 1.2700% | 2,137 |
| Return on Equity (ROE) | 11.9900% | 2,035 |
| Retained earnings to average equity (ytd only) | 11.0362% | 1,045 |
| Net charge-offs to loans | 0.1947% | 338 |
| Credit loss provision to net charge-offs | 5.9140% | 1,669 |
| Earnings coverage of net charge-offs (x) | 11.3495% | 1,949 |
| Efficiency ratio | 58.6504% | 3,308 |
| Assets per employee ($millions) | 6.5782% | 2,255 |
| Cash dividends to net income (ytd only)* | 7.9241% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 943 |
| Loan loss allowance to noncurrent loans | 450.9701% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 1,928 |
| Noncurrent loans to loans | 0.3683% | 1,922 |
| Net loans and leases to total assets | 61.4400% | 2,360 |
| Net loans and leases to deposits | 68.1591% | 2,524 |
| Net loans and leases to core deposits | 71.1095% | 2,560 |
| Total domestic deposits to total assets | 90.1400% | 1,600 |
| Equity capital to assets | 7.7570% | 3,051 |
| Core capital (leverage) ratio | 8.6958% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4758% | 2,276 |
| Memoranda: | ||
| Average total assets | $826,779,250 | 1,166 |
| Average earning assets | $780,313,000 | 1,145 |
| Average equity | $65,697,500 | 1,322 |
| Average total loans | $509,418,000 | 1,161 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2745% | 2,815 |
| Cost of funding earning assets | 0.4812% | 583 |
| Net interest margin | 2.7933% | 3,465 |
| Noninterest income to average assets | 0.3317% | 3,171 |
| Noninterest expense to average assets | 1.8916% | 3,722 |
| Loan and lease loss provision to assets | 0.0061% | 2,491 |
| Net operating income to assets | 0.8094% | 2,919 |
| Return on assets (ROA) | 0.7421% | 3,124 |
| Pretax return on assets | 0.9895% | 2,773 |
| Return on Equity (ROE) | 9.2647% | 2,610 |
| Retained earnings to average equity (ytd only) | 7.9347% | 1,642 |
| Net charge-offs to loans | 0.2862% | 241 |
| Credit loss provision to net charge-offs | 3.4483% | 1,651 |
| Earnings coverage of net charge-offs (x) | 6.1572% | 1,908 |
| Efficiency ratio | 63.6393% | 2,820 |
| Assets per employee ($millions) | 6.5139% | 2,302 |
| Cash dividends to net income (ytd only)* | 14.3556% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 1,007 |
| Loan loss allowance to noncurrent loans | 218.1634% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 1,121 |
| Noncurrent loans to loans | 0.7660% | 1,122 |
| Net loans and leases to total assets | 61.6552% | 2,160 |
| Net loans and leases to deposits | 68.5699% | 2,341 |
| Net loans and leases to core deposits | 72.1279% | 2,324 |
| Total domestic deposits to total assets | 89.9158% | 1,745 |
| Equity capital to assets | 7.8982% | 3,199 |
| Core capital (leverage) ratio | 8.3903% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3894% | 2,345 |
| Memoranda: | ||
| Average total assets | $826,087,000 | 1,161 |
| Average earning assets | $780,939,667 | 1,147 |
| Average equity | $66,165,333 | 1,342 |
| Average total loans | $506,617,667 | 1,159 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0270% | 3,173 |
| Cost of funding earning assets | 0.4982% | 502 |
| Net interest margin | 2.5288% | 3,835 |
| Noninterest income to average assets | 0.3181% | 3,190 |
| Noninterest expense to average assets | 1.9089% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6093% | 3,365 |
| Return on assets (ROA) | 0.5300% | 3,595 |
| Pretax return on assets | 0.7023% | 3,386 |
| Return on Equity (ROE) | 6.5714% | 3,170 |
| Retained earnings to average equity (ytd only) | 6.4816% | 2,082 |
| Net charge-offs to loans | 0.5571% | 123 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 2.3757% | 1,707 |
| Efficiency ratio | 70.3987% | 2,175 |
| Assets per employee ($millions) | 6.6775% | 2,240 |
| Cash dividends to net income (ytd only)* | 1.3661% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7274% | 1,010 |
| Loan loss allowance to noncurrent loans | 158.8474% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.6768% | 853 |
| Noncurrent loans to loans | 1.0874% | 822 |
| Net loans and leases to total assets | 58.6164% | 2,229 |
| Net loans and leases to deposits | 65.1963% | 2,412 |
| Net loans and leases to core deposits | 68.6708% | 2,395 |
| Total domestic deposits to total assets | 89.9077% | 1,616 |
| Equity capital to assets | 7.8969% | 3,647 |
| Core capital (leverage) ratio | 8.3186% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7938% | 2,310 |
| Memoranda: | ||
| Average total assets | $828,752,000 | 1,161 |
| Average earning assets | $784,405,500 | 1,149 |
| Average equity | $66,835,500 | 1,374 |
| Average total loans | $502,607,000 | 1,157 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5012% | 2,655 |
| Cost of funding earning assets | 0.6558% | 407 |
| Net interest margin | 2.8453% | 3,576 |
| Noninterest income to average assets | 0.3189% | 3,500 |
| Noninterest expense to average assets | 1.9937% | 3,692 |
| Loan and lease loss provision to assets | 0.0162% | 2,752 |
| Net operating income to assets | 0.7497% | 3,490 |
| Return on assets (ROA) | 0.7369% | 3,587 |
| Pretax return on assets | 0.9770% | 3,325 |
| Return on Equity (ROE) | 8.6297% | 3,037 |
| Retained earnings to average equity (ytd only) | 6.4663% | 2,149 |
| Net charge-offs to loans | 0.0239% | 1,764 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 62.2698% | 1,148 |
| Efficiency ratio | 66.3882% | 2,210 |
| Assets per employee ($millions) | 6.3784% | 2,426 |
| Cash dividends to net income (ytd only)* | 25.0698% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8330% | 816 |
| Loan loss allowance to noncurrent loans | 192.5466% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 1,067 |
| Noncurrent loans to loans | 0.9520% | 1,061 |
| Net loans and leases to total assets | 60.5299% | 2,106 |
| Net loans and leases to deposits | 67.6317% | 2,339 |
| Net loans and leases to core deposits | 71.3191% | 2,316 |
| Total domestic deposits to total assets | 89.4993% | 1,238 |
| Equity capital to assets | 8.2347% | 4,212 |
| Core capital (leverage) ratio | 8.3321% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7125% | 2,356 |
| Memoranda: | ||
| Average total assets | $777,299,000 | 1,186 |
| Average earning assets | $733,268,600 | 1,176 |
| Average equity | $66,375,400 | 1,407 |
| Average total loans | $526,561,000 | 1,118 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5889% | 2,591 |
| Cost of funding earning assets | 0.6838% | 419 |
| Net interest margin | 2.9051% | 3,541 |
| Noninterest income to average assets | 0.3226% | 3,497 |
| Noninterest expense to average assets | 2.0137% | 3,629 |
| Loan and lease loss provision to assets | 0.0178% | 2,651 |
| Net operating income to assets | 0.7707% | 3,594 |
| Return on assets (ROA) | 0.7593% | 3,693 |
| Pretax return on assets | 1.0124% | 3,418 |
| Return on Equity (ROE) | 8.8079% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.8992% | 2,088 |
| Net charge-offs to loans | 0.0256% | 1,531 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 58.8333% | 1,143 |
| Efficiency ratio | 65.8432% | 2,115 |
| Assets per employee ($millions) | 6.0760% | 2,615 |
| Cash dividends to net income (ytd only)* | 10.3164% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8508% | 845 |
| Loan loss allowance to noncurrent loans | 270.5848% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 1,453 |
| Noncurrent loans to loans | 0.6840% | 1,611 |
| Net loans and leases to total assets | 61.9609% | 2,006 |
| Net loans and leases to deposits | 69.7085% | 2,270 |
| Net loans and leases to core deposits | 73.9947% | 2,245 |
| Total domestic deposits to total assets | 88.8858% | 1,351 |
| Equity capital to assets | 8.5184% | 4,200 |
| Core capital (leverage) ratio | 8.4576% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9240% | 2,392 |
| Memoranda: | ||
| Average total assets | $765,918,750 | 1,212 |
| Average earning assets | $721,286,000 | 1,202 |
| Average equity | $66,030,000 | 1,425 |
| Average total loans | $531,363,250 | 1,136 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7019% | 2,325 |
| Cost of funding earning assets | 0.6741% | 512 |
| Net interest margin | 3.0277% | 3,252 |
| Noninterest income to average assets | 0.3191% | 3,514 |
| Noninterest expense to average assets | 2.0092% | 3,669 |
| Loan and lease loss provision to assets | 0.0265% | 2,446 |
| Net operating income to assets | 0.8504% | 3,366 |
| Return on assets (ROA) | 0.8374% | 3,477 |
| Pretax return on assets | 1.1165% | 3,160 |
| Return on Equity (ROE) | 9.6731% | 2,881 |
| Retained earnings to average equity (ytd only) | 8.3436% | 1,964 |
| Net charge-offs to loans | 0.0370% | 1,265 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 43.8200% | 1,121 |
| Efficiency ratio | 63.4102% | 2,509 |
| Assets per employee ($millions) | 6.1323% | 2,488 |
| Cash dividends to net income (ytd only)* | 13.7441% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 908 |
| Loan loss allowance to noncurrent loans | 202.4820% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 1,201 |
| Noncurrent loans to loans | 0.8807% | 1,395 |
| Net loans and leases to total assets | 65.7724% | 1,710 |
| Net loans and leases to deposits | 74.7772% | 1,927 |
| Net loans and leases to core deposits | 79.4912% | 1,929 |
| Total domestic deposits to total assets | 87.9579% | 1,850 |
| Equity capital to assets | 8.5667% | 4,153 |
| Core capital (leverage) ratio | 8.5533% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7099% | 2,477 |
| Memoranda: | ||
| Average total assets | $755,907,667 | 1,227 |
| Average earning assets | $711,421,000 | 1,210 |
| Average equity | $65,439,333 | 1,427 |
| Average total loans | $540,991,333 | 1,120 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7263% | 2,297 |
| Cost of funding earning assets | 0.6905% | 568 |
| Net interest margin | 3.0358% | 3,169 |
| Noninterest income to average assets | 0.3041% | 3,593 |
| Noninterest expense to average assets | 2.0272% | 3,635 |
| Loan and lease loss provision to assets | 0.0537% | 2,033 |
| Net operating income to assets | 0.8093% | 3,391 |
| Return on assets (ROA) | 0.7775% | 3,561 |
| Pretax return on assets | 1.0365% | 3,271 |
| Return on Equity (ROE) | 8.9320% | 3,053 |
| Retained earnings to average equity (ytd only) | 8.8394% | 2,006 |
| Net charge-offs to loans | 0.0726% | 834 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 21.0400% | 1,231 |
| Efficiency ratio | 64.1994% | 2,438 |
| Assets per employee ($millions) | 6.0040% | 2,601 |
| Cash dividends to net income (ytd only)* | 1.0366% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 1,030 |
| Loan loss allowance to noncurrent loans | 173.1521% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.8095% | 1,100 |
| Noncurrent loans to loans | 0.9859% | 1,367 |
| Net loans and leases to total assets | 69.6778% | 1,337 |
| Net loans and leases to deposits | 79.3639% | 1,586 |
| Net loans and leases to core deposits | 84.4275% | 1,638 |
| Total domestic deposits to total assets | 87.7954% | 1,948 |
| Equity capital to assets | 8.5173% | 4,098 |
| Core capital (leverage) ratio | 8.7911% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3393% | 2,551 |
| Memoranda: | ||
| Average total assets | $744,462,500 | 1,225 |
| Average earning assets | $699,773,500 | 1,213 |
| Average equity | $64,800,500 | 1,429 |
| Average total loans | $550,720,000 | 1,112 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 1,711 |
| Cost of funding earning assets | 0.8951% | 872 |
| Net interest margin | 3.4583% | 2,606 |
| Noninterest income to average assets | 0.3276% | 3,496 |
| Noninterest expense to average assets | 2.3094% | 3,383 |
| Loan and lease loss provision to assets | 0.1591% | 2,383 |
| Net operating income to assets | 0.8196% | 3,018 |
| Return on assets (ROA) | 0.8286% | 3,111 |
| Pretax return on assets | 1.0943% | 2,718 |
| Return on Equity (ROE) | 8.8891% | 2,444 |
| Retained earnings to average equity (ytd only) | 6.5511% | 1,570 |
| Net charge-offs to loans | 0.1086% | 1,387 |
| Credit loss provision to net charge-offs | 180.9199% | 2,259 |
| Earnings coverage of net charge-offs (x) | 14.1261% | 2,232 |
| Efficiency ratio | 65.0274% | 2,675 |
| Assets per employee ($millions) | 5.6282% | 2,711 |
| Cash dividends to net income (ytd only)* | 26.3015% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 1,105 |
| Loan loss allowance to noncurrent loans | 158.1095% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 1,085 |
| Noncurrent loans to loans | 1.0567% | 1,345 |
| Net loans and leases to total assets | 75.9783% | 792 |
| Net loans and leases to deposits | 87.4003% | 1,143 |
| Net loans and leases to core deposits | 93.3203% | 1,286 |
| Total domestic deposits to total assets | 86.9313% | 1,972 |
| Equity capital to assets | 8.9038% | 4,142 |
| Core capital (leverage) ratio | 8.9131% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7177% | 2,722 |
| Memoranda: | ||
| Average total assets | $667,622,600 | 1,223 |
| Average earning assets | $622,363,400 | 1,225 |
| Average equity | $62,233,600 | 1,408 |
| Average total loans | $540,424,000 | 1,076 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 1,752 |
| Cost of funding earning assets | 0.9144% | 1,022 |
| Net interest margin | 3.5199% | 2,524 |
| Noninterest income to average assets | 0.3264% | 3,534 |
| Noninterest expense to average assets | 2.3448% | 3,299 |
| Loan and lease loss provision to assets | 0.1785% | 2,204 |
| Net operating income to assets | 0.8082% | 3,057 |
| Return on assets (ROA) | 0.8082% | 3,182 |
| Pretax return on assets | 1.0776% | 2,819 |
| Return on Equity (ROE) | 8.5647% | 2,577 |
| Retained earnings to average equity (ytd only) | 7.5521% | 1,476 |
| Net charge-offs to loans | 0.0997% | 1,314 |
| Credit loss provision to net charge-offs | 218.4539% | 2,041 |
| Earnings coverage of net charge-offs (x) | 15.3741% | 2,103 |
| Efficiency ratio | 65.1183% | 2,575 |
| Assets per employee ($millions) | 5.3486% | 2,836 |
| Cash dividends to net income (ytd only)* | 11.8225% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 959 |
| Loan loss allowance to noncurrent loans | 121.9512% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 1.2033% | 833 |
| Noncurrent loans to loans | 1.3636% | 1,072 |
| Net loans and leases to total assets | 78.4876% | 773 |
| Net loans and leases to deposits | 91.8408% | 1,087 |
| Net loans and leases to core deposits | 99.0554% | 1,237 |
| Total domestic deposits to total assets | 85.4605% | 2,264 |
| Equity capital to assets | 9.0835% | 4,048 |
| Core capital (leverage) ratio | 9.0505% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9503% | 2,635 |
| Memoranda: | ||
| Average total assets | $654,425,500 | 1,228 |
| Average earning assets | $608,792,500 | 1,230 |
| Average equity | $61,756,000 | 1,404 |
| Average total loans | $536,366,000 | 1,073 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4855% | 1,957 |
| Cost of funding earning assets | 0.9524% | 1,137 |
| Net interest margin | 3.5331% | 2,693 |
| Noninterest income to average assets | 0.3512% | 3,375 |
| Noninterest expense to average assets | 2.4212% | 3,197 |
| Loan and lease loss provision to assets | 0.1318% | 2,701 |
| Net operating income to assets | 0.8141% | 2,991 |
| Return on assets (ROA) | 0.8141% | 3,109 |
| Pretax return on assets | 1.0782% | 2,780 |
| Return on Equity (ROE) | 8.5102% | 2,553 |
| Retained earnings to average equity (ytd only) | 7.0313% | 1,653 |
| Net charge-offs to loans | 0.0931% | 1,328 |
| Credit loss provision to net charge-offs | 171.1382% | 2,032 |
| Earnings coverage of net charge-offs (x) | 15.7154% | 1,892 |
| Efficiency ratio | 66.6782% | 2,422 |
| Assets per employee ($millions) | 5.4153% | 2,723 |
| Cash dividends to net income (ytd only)* | 17.3779% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5947% | 1,020 |
| Loan loss allowance to noncurrent loans | 111.9821% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.3619% | 735 |
| Noncurrent loans to loans | 1.4240% | 1,086 |
| Net loans and leases to total assets | 79.5018% | 654 |
| Net loans and leases to deposits | 93.2436% | 1,025 |
| Net loans and leases to core deposits | 100.7580% | 1,204 |
| Total domestic deposits to total assets | 85.2625% | 2,282 |
| Equity capital to assets | 8.9163% | 4,160 |
| Core capital (leverage) ratio | 9.1559% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6246% | 2,760 |
| Memoranda: | ||
| Average total assets | $639,011,000 | 1,235 |
| Average earning assets | $593,243,667 | 1,231 |
| Average equity | $61,126,333 | 1,404 |
| Average total loans | $528,742,000 | 1,072 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7284% | 1,624 |
| Cost of funding earning assets | 1.0039% | 1,400 |
| Net interest margin | 3.7245% | 2,243 |
| Noninterest income to average assets | 0.3953% | 3,134 |
| Noninterest expense to average assets | 2.6217% | 2,919 |
| Loan and lease loss provision to assets | 0.0098% | 3,644 |
| Net operating income to assets | 0.9133% | 2,478 |
| Return on assets (ROA) | 0.9133% | 2,587 |
| Pretax return on assets | 1.2179% | 2,132 |
| Return on Equity (ROE) | 9.1897% | 2,029 |
| Retained earnings to average equity (ytd only) | 9.0047% | 975 |
| Net charge-offs to loans | 0.0117% | 2,162 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 124.6667% | 498 |
| Efficiency ratio | 68.1051% | 2,648 |
| Assets per employee ($millions) | 4.5826% | 3,150 |
| Cash dividends to net income (ytd only)* | 2.0129% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 819 |
| Loan loss allowance to noncurrent loans | 95.9239% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.6515% | 610 |
| Noncurrent loans to loans | 1.8046% | 833 |
| Net loans and leases to total assets | 81.5851% | 493 |
| Net loans and leases to deposits | 96.1050% | 898 |
| Net loans and leases to core deposits | 105.0715% | 1,112 |
| Total domestic deposits to total assets | 84.8916% | 2,450 |
| Equity capital to assets | 10.0040% | 3,783 |
| Core capital (leverage) ratio | 9.9779% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7550% | 2,825 |
| Memoranda: | ||
| Average total assets | $609,227,500 | 1,248 |
| Average earning assets | $565,015,500 | 1,243 |
| Average equity | $60,546,000 | 1,409 |
| Average total loans | $510,922,000 | 1,081 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9391% | 1,637 |
| Cost of funding earning assets | 1.0160% | 1,657 |
| Net interest margin | 3.9231% | 2,099 |
| Noninterest income to average assets | 0.3844% | 3,389 |
| Noninterest expense to average assets | 2.5635% | 3,277 |
| Loan and lease loss provision to assets | 0.2343% | 814 |
| Net operating income to assets | 0.9338% | 3,078 |
| Return on assets (ROA) | 0.9338% | 3,160 |
| Pretax return on assets | 1.2205% | 2,767 |
| Return on Equity (ROE) | 9.7783% | 2,402 |
| Retained earnings to average equity (ytd only) | 7.1655% | 1,325 |
| Net charge-offs to loans | 0.2485% | 830 |
| Credit loss provision to net charge-offs | 109.6974% | 2,271 |
| Earnings coverage of net charge-offs (x) | 6.8115% | 2,933 |
| Efficiency ratio | 63.7968% | 3,100 |
| Assets per employee ($millions) | 4.4770% | 3,261 |
| Cash dividends to net income (ytd only)* | 26.7211% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 758 |
| Loan loss allowance to noncurrent loans | 85.3069% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.8644% | 449 |
| Noncurrent loans to loans | 2.0204% | 634 |
| Net loans and leases to total assets | 83.2589% | 393 |
| Net loans and leases to deposits | 98.4476% | 720 |
| Net loans and leases to core deposits | 107.7088% | 993 |
| Total domestic deposits to total assets | 84.5718% | 2,656 |
| Equity capital to assets | 9.8712% | 4,037 |
| Core capital (leverage) ratio | 9.7116% | 3,832 |
| Tier 1 risk-based capital ratio | 11.2691% | 4,747 |
| Total risk-based capital ratio | 12.5265% | 4,633 |
| Memoranda: | ||
| Average total assets | $603,539,400 | 1,218 |
| Average earning assets | $559,049,400 | 1,217 |
| Average equity | $57,637,600 | 1,408 |
| Average total loans | $518,663,000 | 1,043 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9192% | 1,764 |
| Cost of funding earning assets | 1.0089% | 1,723 |
| Net interest margin | 3.9103% | 2,215 |
| Noninterest income to average assets | 0.3984% | 3,328 |
| Noninterest expense to average assets | 2.5186% | 3,384 |
| Loan and lease loss provision to assets | 0.2440% | 678 |
| Net operating income to assets | 0.9273% | 3,245 |
| Return on assets (ROA) | 0.9273% | 3,316 |
| Pretax return on assets | 1.2581% | 2,787 |
| Return on Equity (ROE) | 9.7923% | 2,520 |
| Retained earnings to average equity (ytd only) | 8.6115% | 1,167 |
| Net charge-offs to loans | 0.2509% | 702 |
| Credit loss provision to net charge-offs | 112.7681% | 2,061 |
| Earnings coverage of net charge-offs (x) | 6.9428% | 2,792 |
| Efficiency ratio | 62.6415% | 3,225 |
| Assets per employee ($millions) | 4.5463% | 3,127 |
| Cash dividends to net income (ytd only)* | 12.0591% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 769 |
| Loan loss allowance to noncurrent loans | 63.1666% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.4982% | 277 |
| Noncurrent loans to loans | 2.7388% | 389 |
| Net loans and leases to total assets | 82.2859% | 532 |
| Net loans and leases to deposits | 97.4586% | 879 |
| Net loans and leases to core deposits | 106.7160% | 1,131 |
| Total domestic deposits to total assets | 84.4317% | 2,656 |
| Equity capital to assets | 9.7306% | 4,262 |
| Core capital (leverage) ratio | 9.7369% | 3,926 |
| Tier 1 risk-based capital ratio | 11.2620% | 4,784 |
| Total risk-based capital ratio | 12.5209% | 4,679 |
| Memoranda: | ||
| Average total assets | $603,326,250 | 1,222 |
| Average earning assets | $558,888,500 | 1,217 |
| Average equity | $57,131,750 | 1,418 |
| Average total loans | $520,320,000 | 1,037 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9022% | 1,750 |
| Cost of funding earning assets | 0.9998% | 1,696 |
| Net interest margin | 3.9024% | 2,238 |
| Noninterest income to average assets | 0.4047% | 3,245 |
| Noninterest expense to average assets | 2.4996% | 3,481 |
| Loan and lease loss provision to assets | 0.2594% | 586 |
| Net operating income to assets | 0.9312% | 3,160 |
| Return on assets (ROA) | 0.9312% | 3,224 |
| Pretax return on assets | 1.2635% | 2,697 |
| Return on Equity (ROE) | 9.9263% | 2,426 |
| Retained earnings to average equity (ytd only) | 8.2494% | 1,296 |
| Net charge-offs to loans | 0.3170% | 542 |
| Credit loss provision to net charge-offs | 93.9759% | 2,084 |
| Earnings coverage of net charge-offs (x) | 5.5169% | 2,649 |
| Efficiency ratio | 62.1414% | 3,413 |
| Assets per employee ($millions) | 4.5986% | 3,006 |
| Cash dividends to net income (ytd only)* | 16.8929% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 898 |
| Loan loss allowance to noncurrent loans | 87.0835% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.8399% | 536 |
| Noncurrent loans to loans | 1.9048% | 776 |
| Net loans and leases to total assets | 85.1257% | 275 |
| Net loans and leases to deposits | 102.0958% | 532 |
| Net loans and leases to core deposits | 111.7185% | 875 |
| Total domestic deposits to total assets | 83.3782% | 3,084 |
| Equity capital to assets | 9.5786% | 4,332 |
| Core capital (leverage) ratio | 9.5674% | 4,085 |
| Tier 1 risk-based capital ratio | 10.7782% | 5,002 |
| Total risk-based capital ratio | 12.0341% | 4,910 |
| Memoranda: | ||
| Average total assets | $601,366,670 | 1,225 |
| Average earning assets | $557,505,670 | 1,223 |
| Average equity | $56,416,000 | 1,422 |
| Average total loans | $523,721,670 | 1,025 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 1,841 |
| Cost of funding earning assets | 0.9766% | 1,669 |
| Net interest margin | 3.8461% | 2,360 |
| Noninterest income to average assets | 0.3828% | 3,306 |
| Noninterest expense to average assets | 2.4872% | 3,545 |
| Loan and lease loss provision to assets | 0.2170% | 722 |
| Net operating income to assets | 0.9207% | 3,160 |
| Return on assets (ROA) | 0.9207% | 3,194 |
| Pretax return on assets | 1.2496% | 2,629 |
| Return on Equity (ROE) | 9.9189% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.6750% | 1,116 |
| Net charge-offs to loans | 0.2103% | 665 |
| Credit loss provision to net charge-offs | 118.1159% | 1,426 |
| Earnings coverage of net charge-offs (x) | 7.9819% | 2,105 |
| Efficiency ratio | 62.9062% | 3,395 |
| Assets per employee ($millions) | 4.6721% | 2,953 |
| Cash dividends to net income (ytd only)* | 2.4584% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 966 |
| Loan loss allowance to noncurrent loans | 77.5916% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.9744% | 507 |
| Noncurrent loans to loans | 2.1249% | 682 |
| Net loans and leases to total assets | 85.9382% | 192 |
| Net loans and leases to deposits | 103.0922% | 443 |
| Net loans and leases to core deposits | 112.5321% | 804 |
| Total domestic deposits to total assets | 83.3606% | 3,271 |
| Equity capital to assets | 9.3099% | 4,427 |
| Core capital (leverage) ratio | 9.4850% | 4,149 |
| Tier 1 risk-based capital ratio | 10.4089% | 5,194 |
| Total risk-based capital ratio | 11.6640% | 5,116 |
| Memoranda: | ||
| Average total assets | $600,843,000 | 1,222 |
| Average earning assets | $557,870,000 | 1,228 |
| Average equity | $55,772,500 | 1,432 |
| Average total loans | $524,853,000 | 1,028 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7617% | 1,635 |
| Cost of funding earning assets | 0.8424% | 1,340 |
| Net interest margin | 3.9193% | 2,264 |
| Noninterest income to average assets | 0.3681% | 3,632 |
| Noninterest expense to average assets | 2.4006% | 3,876 |
| Loan and lease loss provision to assets | 0.3992% | 341 |
| Net operating income to assets | 0.9132% | 3,396 |
| Return on assets (ROA) | 0.9132% | 3,383 |
| Pretax return on assets | 1.2046% | 2,863 |
| Return on Equity (ROE) | 10.1154% | 2,469 |
| Retained earnings to average equity (ytd only) | 7.4573% | 1,473 |
| Net charge-offs to loans | 0.2626% | 735 |
| Credit loss provision to net charge-offs | 173.9645% | 1,615 |
| Earnings coverage of net charge-offs (x) | 6.9896% | 3,024 |
| Efficiency ratio | 59.9491% | 3,867 |
| Assets per employee ($millions) | 4.4685% | 3,213 |
| Cash dividends to net income (ytd only)* | 26.2776% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6763% | 871 |
| Loan loss allowance to noncurrent loans | 89.7555% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.7545% | 598 |
| Noncurrent loans to loans | 1.8677% | 742 |
| Net loans and leases to total assets | 85.8622% | 238 |
| Net loans and leases to deposits | 101.5555% | 624 |
| Net loans and leases to core deposits | 111.0582% | 938 |
| Total domestic deposits to total assets | 84.5471% | 2,815 |
| Equity capital to assets | 9.2543% | 4,365 |
| Core capital (leverage) ratio | 9.3592% | 4,289 |
| Tier 1 risk-based capital ratio | 10.4404% | 5,205 |
| Total risk-based capital ratio | 11.6959% | 5,105 |
| Memoranda: | ||
| Average total assets | $589,236,000 | 1,224 |
| Average earning assets | $546,675,000 | 1,221 |
| Average equity | $53,196,000 | 1,437 |
| Average total loans | $514,837,400 | 1,018 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7022% | 1,674 |
| Cost of funding earning assets | 0.8189% | 1,247 |
| Net interest margin | 3.8833% | 2,368 |
| Noninterest income to average assets | 0.3508% | 3,786 |
| Noninterest expense to average assets | 2.2881% | 4,128 |
| Loan and lease loss provision to assets | 0.3769% | 346 |
| Net operating income to assets | 0.9123% | 3,470 |
| Return on assets (ROA) | 0.9123% | 3,479 |
| Pretax return on assets | 1.2885% | 2,668 |
| Return on Equity (ROE) | 10.1694% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.9232% | 1,250 |
| Net charge-offs to loans | 0.2756% | 607 |
| Credit loss provision to net charge-offs | 156.4972% | 1,652 |
| Earnings coverage of net charge-offs (x) | 6.9153% | 2,841 |
| Efficiency ratio | 57.8754% | 4,147 |
| Assets per employee ($millions) | 4.5455% | 3,050 |
| Cash dividends to net income (ytd only)* | 12.2546% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 1,076 |
| Loan loss allowance to noncurrent loans | 72.1049% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 2.1384% | 481 |
| Noncurrent loans to loans | 2.2231% | 629 |
| Net loans and leases to total assets | 86.2230% | 245 |
| Net loans and leases to deposits | 104.8019% | 502 |
| Net loans and leases to core deposits | 114.8476% | 768 |
| Total domestic deposits to total assets | 82.2723% | 3,537 |
| Equity capital to assets | 9.2098% | 4,356 |
| Core capital (leverage) ratio | 9.3409% | 4,347 |
| Tier 1 risk-based capital ratio | 10.3375% | 5,285 |
| Total risk-based capital ratio | 11.5919% | 5,203 |
| Memoranda: | ||
| Average total assets | $587,967,750 | 1,231 |
| Average earning assets | $545,461,750 | 1,226 |
| Average equity | $52,745,250 | 1,455 |
| Average total loans | $513,800,000 | 1,020 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6656% | 1,594 |
| Cost of funding earning assets | 0.8100% | 1,084 |
| Net interest margin | 3.8556% | 2,361 |
| Noninterest income to average assets | 0.3486% | 3,834 |
| Noninterest expense to average assets | 2.2740% | 4,205 |
| Loan and lease loss provision to assets | 0.3802% | 327 |
| Net operating income to assets | 0.8985% | 3,459 |
| Return on assets (ROA) | 0.8985% | 3,468 |
| Pretax return on assets | 1.2753% | 2,611 |
| Return on Equity (ROE) | 10.1061% | 2,517 |
| Retained earnings to average equity (ytd only) | 8.3393% | 1,475 |
| Net charge-offs to loans | 0.2209% | 721 |
| Credit loss provision to net charge-offs | 197.1731% | 1,320 |
| Earnings coverage of net charge-offs (x) | 8.5848% | 2,461 |
| Efficiency ratio | 57.8687% | 4,252 |
| Assets per employee ($millions) | 4.5257% | 3,094 |
| Cash dividends to net income (ytd only)* | 17.4820% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 1,089 |
| Loan loss allowance to noncurrent loans | 68.7271% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 2.2802% | 409 |
| Noncurrent loans to loans | 2.3388% | 578 |
| Net loans and leases to total assets | 86.5004% | 226 |
| Net loans and leases to deposits | 103.0595% | 587 |
| Net loans and leases to core deposits | 112.9015% | 844 |
| Total domestic deposits to total assets | 83.9325% | 3,094 |
| Equity capital to assets | 9.0984% | 4,481 |
| Core capital (leverage) ratio | 9.0954% | 4,592 |
| Tier 1 risk-based capital ratio | 10.2176% | 5,365 |
| Total risk-based capital ratio | 11.4722% | 5,292 |
| Memoranda: | ||
| Average total assets | $586,986,330 | 1,230 |
| Average earning assets | $545,178,670 | 1,228 |
| Average equity | $52,186,330 | 1,468 |
| Average total loans | $512,466,000 | 1,021 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5697% | 1,665 |
| Cost of funding earning assets | 0.8016% | 946 |
| Net interest margin | 3.7681% | 2,557 |
| Noninterest income to average assets | 0.2460% | 4,529 |
| Noninterest expense to average assets | 2.2529% | 4,286 |
| Loan and lease loss provision to assets | 0.2385% | 640 |
| Net operating income to assets | 0.8753% | 3,390 |
| Return on assets (ROA) | 0.8753% | 3,407 |
| Pretax return on assets | 1.2525% | 2,545 |
| Return on Equity (ROE) | 9.9612% | 2,455 |
| Retained earnings to average equity (ytd only) | 9.7602% | 1,236 |
| Net charge-offs to loans | 0.1961% | 754 |
| Credit loss provision to net charge-offs | 139.8406% | 1,274 |
| Earnings coverage of net charge-offs (x) | 8.7410% | 2,013 |
| Efficiency ratio | 60.1743% | 4,042 |
| Assets per employee ($millions) | 4.5364% | 3,101 |
| Cash dividends to net income (ytd only)* | 2.0186% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 1,359 |
| Loan loss allowance to noncurrent loans | 57.8893% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.6383% | 336 |
| Noncurrent loans to loans | 2.6380% | 492 |
| Net loans and leases to total assets | 85.9480% | 263 |
| Net loans and leases to deposits | 102.1062% | 572 |
| Net loans and leases to core deposits | 111.5828% | 909 |
| Total domestic deposits to total assets | 84.1750% | 3,255 |
| Equity capital to assets | 8.9298% | 4,632 |
| Core capital (leverage) ratio | 8.9356% | 4,750 |
| Tier 1 risk-based capital ratio | 10.0716% | 5,484 |
| Total risk-based capital ratio | 11.3252% | 5,418 |
| Memoranda: | ||
| Average total assets | $588,571,000 | 1,234 |
| Average earning assets | $546,378,500 | 1,233 |
| Average equity | $51,720,500 | 1,488 |
| Average total loans | $512,072,000 | 1,029 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 1,458 |
| Cost of funding earning assets | 0.7821% | 689 |
| Net interest margin | 3.8071% | 2,404 |
| Noninterest income to average assets | 0.3724% | 3,804 |
| Noninterest expense to average assets | 2.3378% | 4,238 |
| Loan and lease loss provision to assets | 0.3752% | 403 |
| Net operating income to assets | 0.5876% | 4,071 |
| Return on assets (ROA) | 0.5876% | 4,103 |
| Pretax return on assets | 1.1809% | 2,845 |
| Return on Equity (ROE) | 6.6913% | 3,433 |
| Retained earnings to average equity (ytd only) | 4.4305% | 2,501 |
| Net charge-offs to loans | 0.3487% | 733 |
| Credit loss provision to net charge-offs | 125.4355% | 2,089 |
| Earnings coverage of net charge-offs (x) | 5.2027% | 3,363 |
| Efficiency ratio | 60.0366% | 4,260 |
| Assets per employee ($millions) | 4.6980% | 2,869 |
| Cash dividends to net income (ytd only)* | 33.7866% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,413 |
| Loan loss allowance to noncurrent loans | 56.3277% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 2.7117% | 318 |
| Noncurrent loans to loans | 2.6627% | 476 |
| Net loans and leases to total assets | 85.4267% | 297 |
| Net loans and leases to deposits | 102.1204% | 596 |
| Net loans and leases to core deposits | 110.6918% | 965 |
| Total domestic deposits to total assets | 83.6529% | 3,329 |
| Equity capital to assets | 8.6467% | 4,994 |
| Core capital (leverage) ratio | 8.7085% | 4,947 |
| Tier 1 risk-based capital ratio | 9.7644% | 5,572 |
| Total risk-based capital ratio | 11.0176% | 5,540 |
| Memoranda: | ||
| Average total assets | $575,724,000 | 1,241 |
| Average earning assets | $532,537,400 | 1,236 |
| Average equity | $50,558,400 | 1,506 |
| Average total loans | $493,764,000 | 1,041 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 1,447 |
| Cost of funding earning assets | 0.7727% | 675 |
| Net interest margin | 3.7978% | 2,409 |
| Noninterest income to average assets | 0.3918% | 3,743 |
| Noninterest expense to average assets | 2.3038% | 4,290 |
| Loan and lease loss provision to assets | 0.4387% | 300 |
| Net operating income to assets | 0.7363% | 3,786 |
| Return on assets (ROA) | 0.7363% | 3,864 |
| Pretax return on assets | 1.1594% | 3,075 |
| Return on Equity (ROE) | 8.3513% | 2,955 |
| Retained earnings to average equity (ytd only) | 7.3170% | 1,530 |
| Net charge-offs to loans | 0.4208% | 498 |
| Credit loss provision to net charge-offs | 121.9054% | 1,984 |
| Earnings coverage of net charge-offs (x) | 4.4407% | 3,227 |
| Efficiency ratio | 59.0436% | 4,348 |
| Assets per employee ($millions) | 4.5698% | 3,013 |
| Cash dividends to net income (ytd only)* | 12.3852% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 1,503 |
| Loan loss allowance to noncurrent loans | 55.4907% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 2.8863% | 322 |
| Noncurrent loans to loans | 2.7187% | 522 |
| Net loans and leases to total assets | 84.8259% | 353 |
| Net loans and leases to deposits | 102.9637% | 553 |
| Net loans and leases to core deposits | 111.2742% | 961 |
| Total domestic deposits to total assets | 82.3843% | 3,661 |
| Equity capital to assets | 8.8615% | 5,022 |
| Core capital (leverage) ratio | 8.9639% | 4,778 |
| Tier 1 risk-based capital ratio | 10.0242% | 5,593 |
| Total risk-based capital ratio | 11.2781% | 5,551 |
| Memoranda: | ||
| Average total assets | $571,668,500 | 1,257 |
| Average earning assets | $528,365,750 | 1,256 |
| Average equity | $50,402,000 | 1,529 |
| Average total loans | $488,860,000 | 1,056 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 1,444 |
| Cost of funding earning assets | 0.7686% | 621 |
| Net interest margin | 3.7593% | 2,440 |
| Noninterest income to average assets | 0.3836% | 3,804 |
| Noninterest expense to average assets | 2.2960% | 4,363 |
| Loan and lease loss provision to assets | 0.4019% | 328 |
| Net operating income to assets | 0.7369% | 3,685 |
| Return on assets (ROA) | 0.7369% | 3,747 |
| Pretax return on assets | 1.1607% | 2,930 |
| Return on Equity (ROE) | 8.3726% | 2,841 |
| Retained earnings to average equity (ytd only) | 6.9024% | 1,640 |
| Net charge-offs to loans | 0.4245% | 479 |
| Credit loss provision to net charge-offs | 111.0029% | 1,878 |
| Earnings coverage of net charge-offs (x) | 4.3155% | 2,947 |
| Efficiency ratio | 59.5029% | 4,399 |
| Assets per employee ($millions) | 4.4476% | 3,201 |
| Cash dividends to net income (ytd only)* | 17.5598% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 1,550 |
| Loan loss allowance to noncurrent loans | 51.0663% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 3.0121% | 303 |
| Noncurrent loans to loans | 2.9524% | 444 |
| Net loans and leases to total assets | 84.6273% | 380 |
| Net loans and leases to deposits | 100.5993% | 694 |
| Net loans and leases to core deposits | 108.3044% | 1,092 |
| Total domestic deposits to total assets | 84.1232% | 3,147 |
| Equity capital to assets | 8.9247% | 4,963 |
| Core capital (leverage) ratio | 8.8886% | 4,857 |
| Tier 1 risk-based capital ratio | 10.1518% | 5,588 |
| Total risk-based capital ratio | 11.4056% | 5,531 |
| Memoranda: | ||
| Average total assets | $567,247,330 | 1,272 |
| Average earning assets | $524,348,000 | 1,268 |
| Average equity | $49,924,670 | 1,540 |
| Average total loans | $483,888,670 | 1,067 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4829% | 1,416 |
| Cost of funding earning assets | 0.7706% | 578 |
| Net interest margin | 3.7123% | 2,451 |
| Noninterest income to average assets | 0.3631% | 3,936 |
| Noninterest expense to average assets | 2.3086% | 4,384 |
| Loan and lease loss provision to assets | 0.3278% | 379 |
| Net operating income to assets | 0.7326% | 3,547 |
| Return on assets (ROA) | 0.7326% | 3,600 |
| Pretax return on assets | 1.1536% | 2,762 |
| Return on Equity (ROE) | 8.3827% | 2,724 |
| Retained earnings to average equity (ytd only) | 8.2129% | 1,369 |
| Net charge-offs to loans | 0.3025% | 614 |
| Credit loss provision to net charge-offs | 127.4725% | 1,334 |
| Earnings coverage of net charge-offs (x) | 5.7610% | 2,261 |
| Efficiency ratio | 60.9133% | 4,331 |
| Assets per employee ($millions) | 4.3562% | 3,410 |
| Cash dividends to net income (ytd only)* | 2.0251% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 1,639 |
| Loan loss allowance to noncurrent loans | 56.3188% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.6245% | 421 |
| Noncurrent loans to loans | 2.6928% | 561 |
| Net loans and leases to total assets | 83.7764% | 389 |
| Net loans and leases to deposits | 99.1845% | 671 |
| Net loans and leases to core deposits | 106.4046% | 1,073 |
| Total domestic deposits to total assets | 84.4653% | 3,302 |
| Equity capital to assets | 8.7659% | 5,029 |
| Core capital (leverage) ratio | 8.7941% | 4,959 |
| Tier 1 risk-based capital ratio | 10.0829% | 5,679 |
| Total risk-based capital ratio | 11.3364% | 5,632 |
| Memoranda: | ||
| Average total assets | $566,223,000 | 1,271 |
| Average earning assets | $522,696,500 | 1,266 |
| Average equity | $49,483,000 | 1,547 |
| Average total loans | $481,255,500 | 1,059 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 1,573 |
| Cost of funding earning assets | 0.8446% | 401 |
| Net interest margin | 3.6425% | 2,919 |
| Noninterest income to average assets | 0.3688% | 4,106 |
| Noninterest expense to average assets | 2.3396% | 4,460 |
| Loan and lease loss provision to assets | 0.3808% | 422 |
| Net operating income to assets | 0.6862% | 3,839 |
| Return on assets (ROA) | 0.6864% | 3,953 |
| Pretax return on assets | 1.0133% | 3,431 |
| Return on Equity (ROE) | 8.0402% | 2,910 |
| Retained earnings to average equity (ytd only) | 5.8893% | 1,775 |
| Net charge-offs to loans | 0.3469% | 786 |
| Credit loss provision to net charge-offs | 134.6348% | 2,013 |
| Earnings coverage of net charge-offs (x) | 4.9288% | 3,417 |
| Efficiency ratio | 62.6646% | 4,154 |
| Assets per employee ($millions) | 4.3215% | 3,407 |
| Cash dividends to net income (ytd only)* | 26.7514% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 1,592 |
| Loan loss allowance to noncurrent loans | 51.2672% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 2.8521% | 377 |
| Noncurrent loans to loans | 2.9691% | 463 |
| Net loans and leases to total assets | 83.6277% | 419 |
| Net loans and leases to deposits | 100.8291% | 616 |
| Net loans and leases to core deposits | 108.2529% | 1,007 |
| Total domestic deposits to total assets | 82.9400% | 3,791 |
| Equity capital to assets | 8.7120% | 5,092 |
| Core capital (leverage) ratio | 8.6925% | 5,085 |
| Tier 1 risk-based capital ratio | 10.0180% | 5,732 |
| Total risk-based capital ratio | 11.2714% | 5,687 |
| Memoranda: | ||
| Average total assets | $561,516,000 | 1,243 |
| Average earning assets | $518,676,400 | 1,239 |
| Average equity | $47,934,200 | 1,580 |
| Average total loans | $457,751,400 | 1,066 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 1,742 |
| Cost of funding earning assets | 0.8525% | 376 |
| Net interest margin | 3.5835% | 3,145 |
| Noninterest income to average assets | 0.3716% | 4,119 |
| Noninterest expense to average assets | 2.2615% | 4,622 |
| Loan and lease loss provision to assets | 0.3797% | 397 |
| Net operating income to assets | 0.7028% | 3,831 |
| Return on assets (ROA) | 0.7029% | 3,961 |
| Pretax return on assets | 1.0430% | 3,459 |
| Return on Equity (ROE) | 8.2769% | 2,866 |
| Retained earnings to average equity (ytd only) | 7.2143% | 1,520 |
| Net charge-offs to loans | 0.3088% | 748 |
| Credit loss provision to net charge-offs | 152.4309% | 1,751 |
| Earnings coverage of net charge-offs (x) | 5.7102% | 3,092 |
| Efficiency ratio | 61.3872% | 4,327 |
| Assets per employee ($millions) | 4.4384% | 3,180 |
| Cash dividends to net income (ytd only)* | 12.8377% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 1,621 |
| Loan loss allowance to noncurrent loans | 41.6734% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 3.2905% | 323 |
| Noncurrent loans to loans | 3.7064% | 328 |
| Net loans and leases to total assets | 81.4784% | 691 |
| Net loans and leases to deposits | 99.2764% | 753 |
| Net loans and leases to core deposits | 106.5898% | 1,141 |
| Total domestic deposits to total assets | 82.0722% | 3,920 |
| Equity capital to assets | 8.6413% | 5,440 |
| Core capital (leverage) ratio | 8.7093% | 5,147 |
| Tier 1 risk-based capital ratio | 10.3210% | 5,693 |
| Total risk-based capital ratio | 11.5830% | 5,611 |
| Memoranda: | ||
| Average total assets | $561,447,750 | 1,242 |
| Average earning assets | $518,954,750 | 1,233 |
| Average equity | $47,682,000 | 1,591 |
| Average total loans | $452,921,000 | 1,075 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4219% | 1,765 |
| Cost of funding earning assets | 0.8616% | 353 |
| Net interest margin | 3.5602% | 3,252 |
| Noninterest income to average assets | 0.3609% | 4,182 |
| Noninterest expense to average assets | 2.2517% | 4,726 |
| Loan and lease loss provision to assets | 0.3834% | 405 |
| Net operating income to assets | 0.6861% | 3,865 |
| Return on assets (ROA) | 0.6863% | 4,011 |
| Pretax return on assets | 1.0186% | 3,520 |
| Return on Equity (ROE) | 8.1293% | 2,926 |
| Retained earnings to average equity (ytd only) | 6.6043% | 1,813 |
| Net charge-offs to loans | 0.2335% | 1,009 |
| Credit loss provision to net charge-offs | 205.3640% | 1,275 |
| Earnings coverage of net charge-offs (x) | 7.5077% | 2,618 |
| Efficiency ratio | 61.6349% | 4,399 |
| Assets per employee ($millions) | 4.2664% | 3,438 |
| Cash dividends to net income (ytd only)* | 18.7598% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 1,533 |
| Loan loss allowance to noncurrent loans | 42.9959% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 3.2262% | 364 |
| Noncurrent loans to loans | 3.7170% | 346 |
| Net loans and leases to total assets | 80.0028% | 901 |
| Net loans and leases to deposits | 96.9560% | 970 |
| Net loans and leases to core deposits | 104.4764% | 1,279 |
| Total domestic deposits to total assets | 82.5145% | 3,832 |
| Equity capital to assets | 8.5976% | 5,537 |
| Core capital (leverage) ratio | 8.4891% | 5,376 |
| Tier 1 risk-based capital ratio | 10.4157% | 5,710 |
| Total risk-based capital ratio | 11.6798% | 5,621 |
| Memoranda: | ||
| Average total assets | $559,224,000 | 1,249 |
| Average earning assets | $517,156,000 | 1,243 |
| Average equity | $47,211,670 | 1,603 |
| Average total loans | $447,176,000 | 1,091 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 1,748 |
| Cost of funding earning assets | 0.8678% | 351 |
| Net interest margin | 3.5517% | 3,266 |
| Noninterest income to average assets | 0.3475% | 4,247 |
| Noninterest expense to average assets | 2.2846% | 4,705 |
| Loan and lease loss provision to assets | 0.3647% | 405 |
| Net operating income to assets | 0.6614% | 3,922 |
| Return on assets (ROA) | 0.6614% | 4,045 |
| Pretax return on assets | 0.9818% | 3,545 |
| Return on Equity (ROE) | 7.9074% | 2,967 |
| Retained earnings to average equity (ytd only) | 7.7535% | 1,564 |
| Net charge-offs to loans | 0.2209% | 920 |
| Credit loss provision to net charge-offs | 208.1633% | 1,050 |
| Earnings coverage of net charge-offs (x) | 7.6857% | 2,129 |
| Efficiency ratio | 62.9185% | 4,308 |
| Assets per employee ($millions) | 4.4574% | 3,147 |
| Cash dividends to net income (ytd only)* | 1.9459% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 1,717 |
| Loan loss allowance to noncurrent loans | 39.5432% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 3.3825% | 346 |
| Noncurrent loans to loans | 3.9685% | 308 |
| Net loans and leases to total assets | 77.9196% | 1,114 |
| Net loans and leases to deposits | 94.6120% | 1,086 |
| Net loans and leases to core deposits | 102.1577% | 1,320 |
| Total domestic deposits to total assets | 82.3570% | 4,101 |
| Equity capital to assets | 8.4286% | 5,616 |
| Core capital (leverage) ratio | 8.4370% | 5,452 |
| Tier 1 risk-based capital ratio | 10.4455% | 5,776 |
| Total risk-based capital ratio | 11.7076% | 5,684 |
| Memoranda: | ||
| Average total assets | $559,387,500 | 1,257 |
| Average earning assets | $517,165,500 | 1,245 |
| Average equity | $46,791,500 | 1,605 |
| Average total loans | $443,566,500 | 1,096 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 923 |
| Cost of funding earning assets | 0.9106% | 275 |
| Net interest margin | 3.8916% | 2,059 |
| Noninterest income to average assets | 0.3288% | 4,550 |
| Noninterest expense to average assets | 2.2705% | 4,874 |
| Loan and lease loss provision to assets | 0.7190% | 139 |
| Net operating income to assets | 0.6479% | 4,045 |
| Return on assets (ROA) | 0.6492% | 4,138 |
| Pretax return on assets | 0.9514% | 3,649 |
| Return on Equity (ROE) | 7.8680% | 3,025 |
| Retained earnings to average equity (ytd only) | 5.7984% | 1,896 |
| Net charge-offs to loans | 0.7352% | 322 |
| Credit loss provision to net charge-offs | 117.8806% | 2,185 |
| Earnings coverage of net charge-offs (x) | 2.7355% | 3,838 |
| Efficiency ratio | 57.6427% | 5,182 |
| Assets per employee ($millions) | 4.4931% | 3,057 |
| Cash dividends to net income (ytd only)* | 26.3040% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 1,922 |
| Loan loss allowance to noncurrent loans | 39.4313% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 3.3238% | 369 |
| Noncurrent loans to loans | 3.8465% | 330 |
| Net loans and leases to total assets | 78.2245% | 1,088 |
| Net loans and leases to deposits | 95.3826% | 1,081 |
| Net loans and leases to core deposits | 103.2658% | 1,281 |
| Total domestic deposits to total assets | 82.0114% | 4,163 |
| Equity capital to assets | 8.3004% | 5,703 |
| Core capital (leverage) ratio | 8.2343% | 5,660 |
| Tier 1 risk-based capital ratio | 10.3772% | 5,828 |
| Total risk-based capital ratio | 11.6352% | 5,748 |
| Memoranda: | ||
| Average total assets | $549,272,800 | 1,234 |
| Average earning assets | $509,538,800 | 1,225 |
| Average equity | $45,322,800 | 1,627 |
| Average total loans | $455,667,600 | 1,011 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8526% | 852 |
| Cost of funding earning assets | 0.9121% | 271 |
| Net interest margin | 3.9405% | 1,894 |
| Noninterest income to average assets | 0.3062% | 4,749 |
| Noninterest expense to average assets | 2.1949% | 5,064 |
| Loan and lease loss provision to assets | 0.6434% | 131 |
| Net operating income to assets | 0.7319% | 3,756 |
| Return on assets (ROA) | 0.7335% | 3,853 |
| Pretax return on assets | 1.1287% | 3,106 |
| Return on Equity (ROE) | 8.9030% | 2,630 |
| Retained earnings to average equity (ytd only) | 7.8031% | 1,329 |
| Net charge-offs to loans | 0.4404% | 576 |
| Credit loss provision to net charge-offs | 174.2084% | 1,502 |
| Earnings coverage of net charge-offs (x) | 4.7916% | 3,298 |
| Efficiency ratio | 55.3644% | 5,418 |
| Assets per employee ($millions) | 4.6470% | 2,775 |
| Cash dividends to net income (ytd only)* | 12.3547% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 1,781 |
| Loan loss allowance to noncurrent loans | 39.9041% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 3.5380% | 361 |
| Noncurrent loans to loans | 4.0208% | 319 |
| Net loans and leases to total assets | 80.2574% | 789 |
| Net loans and leases to deposits | 98.5305% | 774 |
| Net loans and leases to core deposits | 105.9335% | 1,103 |
| Total domestic deposits to total assets | 81.4543% | 4,348 |
| Equity capital to assets | 8.3937% | 5,768 |
| Core capital (leverage) ratio | 8.3647% | 5,661 |
| Tier 1 risk-based capital ratio | 10.3686% | 5,932 |
| Total risk-based capital ratio | 11.6309% | 5,864 |
| Memoranda: | ||
| Average total assets | $547,305,750 | 1,245 |
| Average earning assets | $508,110,750 | 1,238 |
| Average equity | $45,092,250 | 1,648 |
| Average total loans | $458,951,250 | 1,009 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9072% | 718 |
| Cost of funding earning assets | 0.9111% | 273 |
| Net interest margin | 3.9961% | 1,645 |
| Noninterest income to average assets | 0.2585% | 5,105 |
| Noninterest expense to average assets | 2.2028% | 5,107 |
| Loan and lease loss provision to assets | 0.6065% | 150 |
| Net operating income to assets | 0.7536% | 3,628 |
| Return on assets (ROA) | 0.7558% | 3,716 |
| Pretax return on assets | 1.1628% | 2,929 |
| Return on Equity (ROE) | 9.2317% | 2,415 |
| Retained earnings to average equity (ytd only) | 7.6415% | 1,412 |
| Net charge-offs to loans | 0.3484% | 754 |
| Credit loss provision to net charge-offs | 205.7214% | 1,205 |
| Earnings coverage of net charge-offs (x) | 5.9900% | 2,846 |
| Efficiency ratio | 55.5022% | 5,473 |
| Assets per employee ($millions) | 4.4887% | 3,005 |
| Cash dividends to net income (ytd only)* | 17.2246% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 2,212 |
| Loan loss allowance to noncurrent loans | 47.8159% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 2.8925% | 592 |
| Noncurrent loans to loans | 3.1777% | 596 |
| Net loans and leases to total assets | 83.0797% | 463 |
| Net loans and leases to deposits | 102.5977% | 521 |
| Net loans and leases to core deposits | 110.0864% | 829 |
| Total domestic deposits to total assets | 80.9762% | 4,624 |
| Equity capital to assets | 8.3615% | 5,788 |
| Core capital (leverage) ratio | 8.3668% | 5,663 |
| Tier 1 risk-based capital ratio | 10.1793% | 6,037 |
| Total risk-based capital ratio | 11.4390% | 5,971 |
| Memoranda: | ||
| Average total assets | $545,409,000 | 1,255 |
| Average earning assets | $506,394,330 | 1,246 |
| Average equity | $44,650,670 | 1,673 |
| Average total loans | $461,582,670 | 1,005 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 674 |
| Cost of funding earning assets | 0.9171% | 264 |
| Net interest margin | 3.9994% | 1,554 |
| Noninterest income to average assets | 0.3088% | 4,717 |
| Noninterest expense to average assets | 2.2688% | 4,950 |
| Loan and lease loss provision to assets | 0.6053% | 155 |
| Net operating income to assets | 0.7473% | 3,552 |
| Return on assets (ROA) | 0.7516% | 3,667 |
| Pretax return on assets | 1.1563% | 2,849 |
| Return on Equity (ROE) | 9.2796% | 2,322 |
| Retained earnings to average equity (ytd only) | 9.1351% | 1,152 |
| Net charge-offs to loans | 0.2392% | 996 |
| Credit loss provision to net charge-offs | 298.5560% | 823 |
| Earnings coverage of net charge-offs (x) | 8.6570% | 2,076 |
| Efficiency ratio | 56.3841% | 5,486 |
| Assets per employee ($millions) | 4.5210% | 3,017 |
| Cash dividends to net income (ytd only)* | 1.5579% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 2,705 |
| Loan loss allowance to noncurrent loans | 47.3961% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 2.7932% | 707 |
| Noncurrent loans to loans | 3.0492% | 700 |
| Net loans and leases to total assets | 83.7396% | 327 |
| Net loans and leases to deposits | 103.7674% | 378 |
| Net loans and leases to core deposits | 111.4795% | 681 |
| Total domestic deposits to total assets | 80.6993% | 4,886 |
| Equity capital to assets | 8.2619% | 5,896 |
| Core capital (leverage) ratio | 8.1396% | 5,857 |
| Tier 1 risk-based capital ratio | 9.9447% | 6,184 |
| Total risk-based capital ratio | 11.2052% | 6,144 |
| Memoranda: | ||
| Average total assets | $546,548,500 | 1,258 |
| Average earning assets | $507,670,500 | 1,251 |
| Average equity | $44,269,000 | 1,688 |
| Average total loans | $463,277,500 | 1,000 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0093% | 754 |
| Cost of funding earning assets | 0.9233% | 339 |
| Net interest margin | 4.0860% | 1,625 |
| Noninterest income to average assets | 0.3136% | 4,880 |
| Noninterest expense to average assets | 2.1679% | 5,417 |
| Loan and lease loss provision to assets | 1.0992% | 89 |
| Net operating income to assets | 0.5981% | 4,375 |
| Return on assets (ROA) | 0.5981% | 4,470 |
| Pretax return on assets | 0.8584% | 4,038 |
| Return on Equity (ROE) | 7.4968% | 3,373 |
| Retained earnings to average equity (ytd only) | 5.5417% | 2,233 |
| Net charge-offs to loans | 0.9754% | 314 |
| Credit loss provision to net charge-offs | 132.4385% | 1,799 |
| Earnings coverage of net charge-offs (x) | 2.3586% | 4,174 |
| Efficiency ratio | 52.5475% | 5,946 |
| Assets per employee ($millions) | 4.5502% | 2,955 |
| Cash dividends to net income (ytd only)* | 26.0789% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 3,348 |
| Loan loss allowance to noncurrent loans | 66.9882% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.7752% | 1,474 |
| Noncurrent loans to loans | 1.9597% | 1,431 |
| Net loans and leases to total assets | 83.4538% | 381 |
| Net loans and leases to deposits | 103.3525% | 458 |
| Net loans and leases to core deposits | 112.3277% | 679 |
| Total domestic deposits to total assets | 80.7468% | 4,807 |
| Equity capital to assets | 7.9399% | 6,093 |
| Core capital (leverage) ratio | 7.8888% | 6,062 |
| Tier 1 risk-based capital ratio | 10.4467% | 6,126 |
| Total risk-based capital ratio | 11.7063% | 6,060 |
| Memoranda: | ||
| Average total assets | $538,551,600 | 1,241 |
| Average earning assets | $502,423,000 | 1,222 |
| Average equity | $42,965,000 | 1,676 |
| Average total loans | $458,286,600 | 964 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0044% | 766 |
| Cost of funding earning assets | 0.9075% | 402 |
| Net interest margin | 4.0970% | 1,584 |
| Noninterest income to average assets | 0.3483% | 4,658 |
| Noninterest expense to average assets | 2.0460% | 5,686 |
| Loan and lease loss provision to assets | 0.7949% | 157 |
| Net operating income to assets | 0.8676% | 3,086 |
| Return on assets (ROA) | 0.8676% | 3,171 |
| Pretax return on assets | 1.3347% | 2,258 |
| Return on Equity (ROE) | 10.8621% | 1,853 |
| Retained earnings to average equity (ytd only) | 9.8055% | 755 |
| Net charge-offs to loans | 0.7720% | 436 |
| Credit loss provision to net charge-offs | 120.8097% | 1,902 |
| Earnings coverage of net charge-offs (x) | 3.2365% | 3,701 |
| Efficiency ratio | 48.9983% | 6,157 |
| Assets per employee ($millions) | 4.6337% | 2,758 |
| Cash dividends to net income (ytd only)* | 9.7274% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 4,666 |
| Loan loss allowance to noncurrent loans | 161.8634% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.7398% | 3,593 |
| Noncurrent loans to loans | 0.6906% | 3,886 |
| Net loans and leases to total assets | 84.3162% | 320 |
| Net loans and leases to deposits | 105.2011% | 357 |
| Net loans and leases to core deposits | 114.2695% | 579 |
| Total domestic deposits to total assets | 80.1477% | 5,067 |
| Equity capital to assets | 8.1230% | 6,064 |
| Core capital (leverage) ratio | 8.2067% | 5,923 |
| Tier 1 risk-based capital ratio | 10.6871% | 6,137 |
| Total risk-based capital ratio | 11.9430% | 6,088 |
| Memoranda: | ||
| Average total assets | $535,546,500 | 1,257 |
| Average earning assets | $500,290,500 | 1,242 |
| Average equity | $42,777,500 | 1,691 |
| Average total loans | $456,462,000 | 971 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9714% | 794 |
| Cost of funding earning assets | 0.8865% | 463 |
| Net interest margin | 4.0849% | 1,558 |
| Noninterest income to average assets | 0.3866% | 4,347 |
| Noninterest expense to average assets | 2.0229% | 5,793 |
| Loan and lease loss provision to assets | 0.9598% | 111 |
| Net operating income to assets | 0.7950% | 3,361 |
| Return on assets (ROA) | 0.7950% | 3,458 |
| Pretax return on assets | 1.2234% | 2,559 |
| Return on Equity (ROE) | 10.0114% | 2,150 |
| Retained earnings to average equity (ytd only) | 8.4060% | 1,173 |
| Net charge-offs to loans | 0.7732% | 489 |
| Credit loss provision to net charge-offs | 145.6621% | 1,488 |
| Earnings coverage of net charge-offs (x) | 3.3134% | 3,344 |
| Efficiency ratio | 48.0955% | 6,285 |
| Assets per employee ($millions) | 4.5793% | 2,801 |
| Cash dividends to net income (ytd only)* | 16.0360% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 4,511 |
| Loan loss allowance to noncurrent loans | 112.4100% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.0658% | 2,938 |
| Noncurrent loans to loans | 1.0510% | 3,125 |
| Net loans and leases to total assets | 84.5449% | 262 |
| Net loans and leases to deposits | 103.4550% | 384 |
| Net loans and leases to core deposits | 112.4488% | 588 |
| Total domestic deposits to total assets | 81.7214% | 4,743 |
| Equity capital to assets | 7.9658% | 6,173 |
| Core capital (leverage) ratio | 8.0126% | 6,090 |
| Tier 1 risk-based capital ratio | 10.5238% | 6,243 |
| Total risk-based capital ratio | 11.7813% | 6,182 |
| Memoranda: | ||
| Average total assets | $531,801,330 | 1,261 |
| Average earning assets | $497,244,670 | 1,243 |
| Average equity | $42,231,670 | 1,699 |
| Average total loans | $453,203,330 | 974 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 811 |
| Cost of funding earning assets | 0.8351% | 628 |
| Net interest margin | 4.1021% | 1,448 |
| Noninterest income to average assets | 0.3981% | 4,204 |
| Noninterest expense to average assets | 2.0208% | 5,844 |
| Loan and lease loss provision to assets | 0.7598% | 161 |
| Net operating income to assets | 0.9493% | 2,409 |
| Return on assets (ROA) | 0.9493% | 2,480 |
| Pretax return on assets | 1.4612% | 1,544 |
| Return on Equity (ROE) | 11.9736% | 1,414 |
| Retained earnings to average equity (ytd only) | 11.9736% | 609 |
| Net charge-offs to loans | 0.4030% | 901 |
| Credit loss provision to net charge-offs | 221.6814% | 974 |
| Earnings coverage of net charge-offs (x) | 6.4801% | 2,217 |
| Efficiency ratio | 47.6403% | 6,372 |
| Assets per employee ($millions) | 4.7358% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 4,815 |
| Loan loss allowance to noncurrent loans | 175.5473% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7428% | 3,896 |
| Noncurrent loans to loans | 0.6612% | 4,213 |
| Net loans and leases to total assets | 83.6733% | 247 |
| Net loans and leases to deposits | 101.5605% | 379 |
| Net loans and leases to core deposits | 109.6461% | 594 |
| Total domestic deposits to total assets | 82.3876% | 4,820 |
| Equity capital to assets | 8.0067% | 6,053 |
| Core capital (leverage) ratio | 8.1504% | 5,990 |
| Tier 1 risk-based capital ratio | 10.7959% | 6,243 |
| Total risk-based capital ratio | 12.0512% | 6,201 |
| Memoranda: | ||
| Average total assets | $527,522,000 | 1,281 |
| Average earning assets | $494,283,500 | 1,255 |
| Average equity | $41,825,500 | 1,708 |
| Average total loans | $448,650,500 | 979 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1719% | 684 |
| Cost of funding earning assets | 1.1003% | 284 |
| Net interest margin | 4.0715% | 1,730 |
| Noninterest income to average assets | 0.3563% | 4,751 |
| Noninterest expense to average assets | 2.1216% | 5,784 |
| Loan and lease loss provision to assets | 0.7416% | 297 |
| Net operating income to assets | 0.8615% | 2,968 |
| Return on assets (ROA) | 0.8618% | 3,048 |
| Pretax return on assets | 1.2891% | 2,203 |
| Return on Equity (ROE) | 10.9951% | 1,770 |
| Retained earnings to average equity (ytd only) | 8.1987% | 990 |
| Net charge-offs to loans | 0.7227% | 896 |
| Credit loss provision to net charge-offs | 121.2588% | 1,962 |
| Earnings coverage of net charge-offs (x) | 3.3198% | 3,894 |
| Efficiency ratio | 51.0998% | 6,359 |
| Assets per employee ($millions) | 4.6428% | 2,665 |
| Cash dividends to net income (ytd only)* | 25.4330% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 5,376 |
| Loan loss allowance to noncurrent loans | 661.2766% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 5,247 |
| Noncurrent loans to loans | 0.1573% | 5,724 |
| Net loans and leases to total assets | 84.5572% | 218 |
| Net loans and leases to deposits | 102.3976% | 379 |
| Net loans and leases to core deposits | 109.4704% | 634 |
| Total domestic deposits to total assets | 82.5773% | 4,690 |
| Equity capital to assets | 7.8498% | 6,117 |
| Core capital (leverage) ratio | 7.9681% | 6,156 |
| Tier 1 risk-based capital ratio | 10.6069% | 6,334 |
| Total risk-based capital ratio | 11.8602% | 6,289 |
| Memoranda: | ||
| Average total assets | $509,179,800 | 1,305 |
| Average earning assets | $474,684,600 | 1,284 |
| Average equity | $39,908,600 | 1,747 |
| Average total loans | $430,863,000 | 993 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2016% | 641 |
| Cost of funding earning assets | 1.1780% | 219 |
| Net interest margin | 4.0236% | 1,866 |
| Noninterest income to average assets | 0.3599% | 4,821 |
| Noninterest expense to average assets | 1.9924% | 6,020 |
| Loan and lease loss provision to assets | 0.7591% | 270 |
| Net operating income to assets | 0.8807% | 2,930 |
| Return on assets (ROA) | 0.8810% | 3,041 |
| Pretax return on assets | 1.3554% | 2,094 |
| Return on Equity (ROE) | 11.2450% | 1,731 |
| Retained earnings to average equity (ytd only) | 10.0460% | 779 |
| Net charge-offs to loans | 0.8525% | 688 |
| Credit loss provision to net charge-offs | 105.5006% | 2,216 |
| Earnings coverage of net charge-offs (x) | 2.9380% | 3,858 |
| Efficiency ratio | 48.5189% | 6,477 |
| Assets per employee ($millions) | 4.4215% | 3,015 |
| Cash dividends to net income (ytd only)* | 10.6618% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 5,881 |
| Loan loss allowance to noncurrent loans | 256.0148% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 5,345 |
| Noncurrent loans to loans | 0.3754% | 5,274 |
| Net loans and leases to total assets | 84.0967% | 242 |
| Net loans and leases to deposits | 101.3008% | 415 |
| Net loans and leases to core deposits | 109.7818% | 580 |
| Total domestic deposits to total assets | 83.0168% | 4,568 |
| Equity capital to assets | 8.0547% | 6,116 |
| Core capital (leverage) ratio | 8.0505% | 6,190 |
| Tier 1 risk-based capital ratio | 10.8923% | 6,327 |
| Total risk-based capital ratio | 12.0662% | 6,323 |
| Memoranda: | ||
| Average total assets | $505,315,250 | 1,327 |
| Average earning assets | $470,512,000 | 1,300 |
| Average equity | $39,590,000 | 1,775 |
| Average total loans | $426,508,500 | 1,007 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2125% | 626 |
| Cost of funding earning assets | 1.2219% | 200 |
| Net interest margin | 3.9906% | 1,892 |
| Noninterest income to average assets | 0.3447% | 4,932 |
| Noninterest expense to average assets | 1.9712% | 6,092 |
| Loan and lease loss provision to assets | 0.7833% | 277 |
| Net operating income to assets | 0.8490% | 3,047 |
| Return on assets (ROA) | 0.8496% | 3,196 |
| Pretax return on assets | 1.3073% | 2,274 |
| Return on Equity (ROE) | 10.9468% | 1,827 |
| Retained earnings to average equity (ytd only) | 9.2092% | 1,056 |
| Net charge-offs to loans | 0.9299% | 666 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 2.6678% | 3,626 |
| Efficiency ratio | 48.5399% | 6,505 |
| Assets per employee ($millions) | 4.5181% | 2,792 |
| Cash dividends to net income (ytd only)* | 15.8730% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 6,028 |
| Loan loss allowance to noncurrent loans | 261.4379% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 5,379 |
| Noncurrent loans to loans | 0.3592% | 5,378 |
| Net loans and leases to total assets | 83.3962% | 272 |
| Net loans and leases to deposits | 100.4798% | 399 |
| Net loans and leases to core deposits | 109.2038% | 593 |
| Total domestic deposits to total assets | 82.9980% | 4,699 |
| Equity capital to assets | 7.8704% | 6,282 |
| Core capital (leverage) ratio | 7.8448% | 6,282 |
| Tier 1 risk-based capital ratio | 10.7194% | 6,440 |
| Total risk-based capital ratio | 11.8688% | 6,444 |
| Memoranda: | ||
| Average total assets | $504,262,330 | 1,325 |
| Average earning assets | $469,598,000 | 1,302 |
| Average equity | $39,134,670 | 1,791 |
| Average total loans | $424,758,000 | 1,001 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2019% | 601 |
| Cost of funding earning assets | 1.2190% | 213 |
| Net interest margin | 3.9829% | 1,849 |
| Noninterest income to average assets | 0.3226% | 5,120 |
| Noninterest expense to average assets | 1.9778% | 6,147 |
| Loan and lease loss provision to assets | 0.7597% | 291 |
| Net operating income to assets | 0.8473% | 2,911 |
| Return on assets (ROA) | 0.8479% | 3,050 |
| Pretax return on assets | 1.3040% | 2,219 |
| Return on Equity (ROE) | 11.0031% | 1,707 |
| Retained earnings to average equity (ytd only) | 11.0031% | 876 |
| Net charge-offs to loans | 0.9016% | 672 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 2.7155% | 2,961 |
| Efficiency ratio | 48.9479% | 6,571 |
| Assets per employee ($millions) | 4.6062% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 6,153 |
| Loan loss allowance to noncurrent loans | 160.7717% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 5,081 |
| Noncurrent loans to loans | 0.5868% | 4,975 |
| Net loans and leases to total assets | 82.8980% | 245 |
| Net loans and leases to deposits | 99.2929% | 381 |
| Net loans and leases to core deposits | 108.0583% | 562 |
| Total domestic deposits to total assets | 83.4883% | 4,675 |
| Equity capital to assets | 7.7586% | 6,497 |
| Core capital (leverage) ratio | 7.6912% | 6,360 |
| Tier 1 risk-based capital ratio | 10.6060% | 6,551 |
| Total risk-based capital ratio | 11.7699% | 6,552 |
| Memoranda: | ||
| Average total assets | $503,381,500 | 1,341 |
| Average earning assets | $469,906,000 | 1,313 |
| Average equity | $38,789,000 | 1,832 |
| Average total loans | $424,134,500 | 1,007 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4781% | 651 |
| Cost of funding earning assets | 1.5545% | 127 |
| Net interest margin | 3.9237% | 2,726 |
| Noninterest income to average assets | -0.1839% | 6,952 |
| Noninterest expense to average assets | 2.0957% | 6,138 |
| Loan and lease loss provision to assets | 0.7021% | 732 |
| Net operating income to assets | 0.4708% | 4,801 |
| Return on assets (ROA) | 0.4703% | 5,054 |
| Pretax return on assets | 0.6395% | 4,850 |
| Return on Equity (ROE) | 6.2436% | 4,045 |
| Retained earnings to average equity (ytd only) | 4.5884% | 2,994 |
| Net charge-offs to loans | 0.9852% | 1,109 |
| Credit loss provision to net charge-offs | 85.3157% | 3,658 |
| Earnings coverage of net charge-offs (x) | 1.6309% | 4,631 |
| Efficiency ratio | 60.9585% | 5,391 |
| Assets per employee ($millions) | 4.6737% | 2,672 |
| Cash dividends to net income (ytd only)* | 26.5096% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 6,151 |
| Loan loss allowance to noncurrent loans | 163.2653% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 4,650 |
| Noncurrent loans to loans | 0.5775% | 5,083 |
| Net loans and leases to total assets | 84.0343% | 211 |
| Net loans and leases to deposits | 99.8283% | 419 |
| Net loans and leases to core deposits | 108.6143% | 584 |
| Total domestic deposits to total assets | 84.1789% | 4,233 |
| Equity capital to assets | 7.6521% | 6,569 |
| Core capital (leverage) ratio | 7.5617% | 6,468 |
| Tier 1 risk-based capital ratio | 10.2851% | 6,622 |
| Total risk-based capital ratio | 11.4465% | 6,613 |
| Memoranda: | ||
| Average total assets | $496,481,800 | 1,344 |
| Average earning assets | $458,296,600 | 1,331 |
| Average equity | $37,398,400 | 1,858 |
| Average total loans | $414,743,000 | 1,007 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5202% | 650 |
| Cost of funding earning assets | 1.6020% | 125 |
| Net interest margin | 3.9182% | 2,847 |
| Noninterest income to average assets | -0.2903% | 7,095 |
| Noninterest expense to average assets | 2.0468% | 6,279 |
| Loan and lease loss provision to assets | 0.6180% | 868 |
| Net operating income to assets | 0.4264% | 5,132 |
| Return on assets (ROA) | 0.4259% | 5,373 |
| Pretax return on assets | 0.6554% | 4,992 |
| Return on Equity (ROE) | 5.6765% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.6797% | 3,604 |
| Net charge-offs to loans | 1.0175% | 1,045 |
| Credit loss provision to net charge-offs | 72.9901% | 3,822 |
| Earnings coverage of net charge-offs (x) | 1.5049% | 4,535 |
| Efficiency ratio | 61.6332% | 5,212 |
| Assets per employee ($millions) | 4.7394% | 2,546 |
| Cash dividends to net income (ytd only)* | 17.5617% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 6,358 |
| Loan loss allowance to noncurrent loans | 99.0230% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.0932% | 4,110 |
| Noncurrent loans to loans | 0.9178% | 4,597 |
| Net loans and leases to total assets | 81.3831% | 395 |
| Net loans and leases to deposits | 97.4687% | 573 |
| Net loans and leases to core deposits | 106.3979% | 716 |
| Total domestic deposits to total assets | 83.4967% | 4,439 |
| Equity capital to assets | 7.5397% | 6,769 |
| Core capital (leverage) ratio | 7.4672% | 6,638 |
| Tier 1 risk-based capital ratio | 10.2724% | 6,735 |
| Total risk-based capital ratio | 11.3778% | 6,744 |
| Memoranda: | ||
| Average total assets | $495,581,000 | 1,363 |
| Average earning assets | $456,757,750 | 1,356 |
| Average equity | $37,181,250 | 1,888 |
| Average total loans | $412,368,000 | 1,020 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5610% | 627 |
| Cost of funding earning assets | 1.6545% | 123 |
| Net interest margin | 3.9065% | 2,880 |
| Noninterest income to average assets | -0.1966% | 7,133 |
| Noninterest expense to average assets | 2.0680% | 6,295 |
| Loan and lease loss provision to assets | 0.7018% | 782 |
| Net operating income to assets | 0.4095% | 5,183 |
| Return on assets (ROA) | 0.4087% | 5,423 |
| Pretax return on assets | 0.6288% | 5,034 |
| Return on Equity (ROE) | 5.4562% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.0488% | 3,912 |
| Net charge-offs to loans | 1.2520% | 858 |
| Credit loss provision to net charge-offs | 67.0670% | 3,634 |
| Earnings coverage of net charge-offs (x) | 1.2728% | 4,373 |
| Efficiency ratio | 60.8276% | 5,448 |
| Assets per employee ($millions) | 4.7174% | 2,544 |
| Cash dividends to net income (ytd only)* | 25.7937% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 6,426 |
| Loan loss allowance to noncurrent loans | 83.7054% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.5298% | 3,407 |
| Noncurrent loans to loans | 1.0905% | 4,343 |
| Net loans and leases to total assets | 80.6443% | 437 |
| Net loans and leases to deposits | 96.5985% | 594 |
| Net loans and leases to core deposits | 105.1633% | 784 |
| Total domestic deposits to total assets | 83.4840% | 4,537 |
| Equity capital to assets | 7.3862% | 6,826 |
| Core capital (leverage) ratio | 7.4320% | 6,651 |
| Tier 1 risk-based capital ratio | 10.1135% | 6,793 |
| Total risk-based capital ratio | 11.2166% | 6,817 |
| Memoranda: | ||
| Average total assets | $493,315,330 | 1,368 |
| Average earning assets | $454,166,330 | 1,359 |
| Average equity | $36,949,000 | 1,886 |
| Average total loans | $412,290,330 | 1,020 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6673% | 553 |
| Cost of funding earning assets | 1.6746% | 136 |
| Net interest margin | 3.9927% | 2,540 |
| Noninterest income to average assets | -0.1993% | 7,198 |
| Noninterest expense to average assets | 2.1912% | 6,060 |
| Loan and lease loss provision to assets | 0.6522% | 834 |
| Net operating income to assets | 0.4110% | 5,205 |
| Return on assets (ROA) | 0.4094% | 5,400 |
| Pretax return on assets | 0.6300% | 5,010 |
| Return on Equity (ROE) | 5.4266% | 4,581 |
| Retained earnings to average equity (ytd only) | 5.4266% | 3,303 |
| Net charge-offs to loans | 1.3026% | 780 |
| Credit loss provision to net charge-offs | 59.1078% | 3,134 |
| Earnings coverage of net charge-offs (x) | 1.1643% | 3,754 |
| Efficiency ratio | 63.0399% | 5,097 |
| Assets per employee ($millions) | 4.6705% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 6,329 |
| Loan loss allowance to noncurrent loans | 73.0783% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.9627% | 2,958 |
| Noncurrent loans to loans | 1.3365% | 4,114 |
| Net loans and leases to total assets | 82.9431% | 225 |
| Net loans and leases to deposits | 102.1409% | 302 |
| Net loans and leases to core deposits | 111.7590% | 476 |
| Total domestic deposits to total assets | 81.2045% | 5,543 |
| Equity capital to assets | 7.4753% | 6,792 |
| Core capital (leverage) ratio | 7.5514% | 6,601 |
| Tier 1 risk-based capital ratio | 9.9996% | 6,880 |
| Total risk-based capital ratio | 11.1772% | 6,899 |
| Memoranda: | ||
| Average total assets | $487,590,500 | 1,382 |
| Average earning assets | $448,823,000 | 1,375 |
| Average equity | $36,782,000 | 1,894 |
| Average total loans | $413,028,500 | 1,016 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8666% | 560 |
| Cost of funding earning assets | 1.9026% | 147 |
| Net interest margin | 3.9640% | 3,046 |
| Noninterest income to average assets | 0.1124% | 6,588 |
| Noninterest expense to average assets | 2.1429% | 6,399 |
| Loan and lease loss provision to assets | 1.2877% | 639 |
| Net operating income to assets | 0.2949% | 5,275 |
| Return on assets (ROA) | 0.2935% | 5,433 |
| Pretax return on assets | 0.3447% | 5,440 |
| Return on Equity (ROE) | 3.8504% | 4,926 |
| Retained earnings to average equity (ytd only) | 2.4668% | 4,464 |
| Net charge-offs to loans | 1.4410% | 1,129 |
| Credit loss provision to net charge-offs | 105.0557% | 3,259 |
| Earnings coverage of net charge-offs (x) | 1.3332% | 4,776 |
| Efficiency ratio | 56.7353% | 6,223 |
| Assets per employee ($millions) | 4.4047% | 3,055 |
| Cash dividends to net income (ytd only)* | 35.9341% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 5,749 |
| Loan loss allowance to noncurrent loans | 60.3595% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.4317% | 2,505 |
| Noncurrent loans to loans | 1.8525% | 3,409 |
| Net loans and leases to total assets | 84.7264% | 178 |
| Net loans and leases to deposits | 104.5041% | 295 |
| Net loans and leases to core deposits | 115.9066% | 448 |
| Total domestic deposits to total assets | 81.0748% | 5,426 |
| Equity capital to assets | 7.6141% | 6,764 |
| Core capital (leverage) ratio | 7.4725% | 6,663 |
| Tier 1 risk-based capital ratio | 10.0538% | 6,845 |
| Total risk-based capital ratio | 11.3210% | 6,825 |
| Memoranda: | ||
| Average total assets | $476,047,200 | 1,391 |
| Average earning assets | $440,083,600 | 1,378 |
| Average equity | $36,281,800 | 1,869 |
| Average total loans | $404,937,000 | 1,051 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8475% | 631 |
| Cost of funding earning assets | 1.9294% | 155 |
| Net interest margin | 3.9182% | 3,292 |
| Noninterest income to average assets | 0.1297% | 6,606 |
| Noninterest expense to average assets | 2.1062% | 6,494 |
| Loan and lease loss provision to assets | 1.0062% | 850 |
| Net operating income to assets | 0.4176% | 4,919 |
| Return on assets (ROA) | 0.4160% | 5,114 |
| Pretax return on assets | 0.6399% | 4,685 |
| Return on Equity (ROE) | 5.4564% | 4,307 |
| Retained earnings to average equity (ytd only) | 4.5618% | 3,471 |
| Net charge-offs to loans | 1.1332% | 1,396 |
| Credit loss provision to net charge-offs | 104.5799% | 3,184 |
| Earnings coverage of net charge-offs (x) | 1.7135% | 4,370 |
| Efficiency ratio | 56.0921% | 6,276 |
| Assets per employee ($millions) | 4.3660% | 3,146 |
| Cash dividends to net income (ytd only)* | 16.3967% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 5,956 |
| Loan loss allowance to noncurrent loans | 70.1683% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.9279% | 3,228 |
| Noncurrent loans to loans | 1.5409% | 3,972 |
| Net loans and leases to total assets | 84.2334% | 204 |
| Net loans and leases to deposits | 104.0592% | 317 |
| Net loans and leases to core deposits | 115.7754% | 505 |
| Total domestic deposits to total assets | 80.9476% | 5,456 |
| Equity capital to assets | 7.6201% | 6,884 |
| Core capital (leverage) ratio | 7.6201% | 6,687 |
| Tier 1 risk-based capital ratio | 10.1505% | 6,909 |
| Total risk-based capital ratio | 11.4032% | 6,900 |
| Memoranda: | ||
| Average total assets | $475,031,500 | 1,407 |
| Average earning assets | $439,513,750 | 1,390 |
| Average equity | $36,213,250 | 1,866 |
| Average total loans | $403,326,250 | 1,061 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8359% | 671 |
| Cost of funding earning assets | 1.9624% | 163 |
| Net interest margin | 3.8735% | 3,421 |
| Noninterest income to average assets | 0.1382% | 6,636 |
| Noninterest expense to average assets | 2.1194% | 6,555 |
| Loan and lease loss provision to assets | 0.9041% | 992 |
| Net operating income to assets | 0.4533% | 4,704 |
| Return on assets (ROA) | 0.4535% | 4,842 |
| Pretax return on assets | 0.6977% | 4,393 |
| Return on Equity (ROE) | 5.9486% | 4,000 |
| Retained earnings to average equity (ytd only) | 4.5977% | 3,262 |
| Net charge-offs to loans | 0.7686% | 1,966 |
| Credit loss provision to net charge-offs | 138.6866% | 2,199 |
| Earnings coverage of net charge-offs (x) | 2.4564% | 3,593 |
| Efficiency ratio | 56.9606% | 6,302 |
| Assets per employee ($millions) | 4.3683% | 3,044 |
| Cash dividends to net income (ytd only)* | 22.7103% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 5,483 |
| Loan loss allowance to noncurrent loans | 78.9813% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.9891% | 3,249 |
| Noncurrent loans to loans | 1.5401% | 4,095 |
| Net loans and leases to total assets | 83.5745% | 267 |
| Net loans and leases to deposits | 102.9858% | 348 |
| Net loans and leases to core deposits | 115.2910% | 530 |
| Total domestic deposits to total assets | 81.1515% | 5,477 |
| Equity capital to assets | 7.6489% | 6,879 |
| Core capital (leverage) ratio | 7.6520% | 6,623 |
| Tier 1 risk-based capital ratio | 10.2849% | 6,878 |
| Total risk-based capital ratio | 11.5476% | 6,862 |
| Memoranda: | ||
| Average total assets | $471,833,330 | 1,423 |
| Average earning assets | $436,399,330 | 1,408 |
| Average equity | $35,974,670 | 1,862 |
| Average total loans | $400,208,670 | 1,081 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7843% | 759 |
| Cost of funding earning assets | 2.0009% | 165 |
| Net interest margin | 3.7835% | 3,687 |
| Noninterest income to average assets | 0.2589% | 5,824 |
| Noninterest expense to average assets | 2.1419% | 6,545 |
| Loan and lease loss provision to assets | 0.9368% | 842 |
| Net operating income to assets | 0.4415% | 4,760 |
| Return on assets (ROA) | 0.4420% | 4,840 |
| Pretax return on assets | 0.6805% | 4,382 |
| Return on Equity (ROE) | 5.8067% | 4,015 |
| Retained earnings to average equity (ytd only) | 5.8067% | 2,752 |
| Net charge-offs to loans | 0.7912% | 1,636 |
| Credit loss provision to net charge-offs | 139.4170% | 2,009 |
| Earnings coverage of net charge-offs (x) | 2.4056% | 3,119 |
| Efficiency ratio | 56.9907% | 6,384 |
| Assets per employee ($millions) | 4.4387% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 5,829 |
| Loan loss allowance to noncurrent loans | 87.3415% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.9760% | 3,347 |
| Noncurrent loans to loans | 1.3206% | 4,492 |
| Net loans and leases to total assets | 84.0749% | 224 |
| Net loans and leases to deposits | 102.0970% | 375 |
| Net loans and leases to core deposits | 114.6594% | 576 |
| Total domestic deposits to total assets | 82.3480% | 5,171 |
| Equity capital to assets | 7.6465% | 6,784 |
| Core capital (leverage) ratio | 7.6414% | 6,615 |
| Tier 1 risk-based capital ratio | 10.2455% | 6,911 |
| Total risk-based capital ratio | 11.5039% | 6,905 |
| Memoranda: | ||
| Average total assets | $469,678,000 | 1,440 |
| Average earning assets | $434,414,500 | 1,420 |
| Average equity | $35,752,000 | 1,854 |
| Average total loans | $398,895,500 | 1,098 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9460% | 952 |
| Cost of funding earning assets | 2.3895% | 159 |
| Net interest margin | 3.5565% | 5,013 |
| Noninterest income to average assets | 0.2009% | 6,346 |
| Noninterest expense to average assets | 2.1675% | 6,700 |
| Loan and lease loss provision to assets | 0.8221% | 1,994 |
| Net operating income to assets | 0.3869% | 4,604 |
| Return on assets (ROA) | 0.3869% | 4,747 |
| Pretax return on assets | 0.4874% | 4,666 |
| Return on Equity (ROE) | 5.0365% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.4846% | 3,432 |
| Net charge-offs to loans | 0.8418% | 2,526 |
| Credit loss provision to net charge-offs | 115.7393% | 3,725 |
| Earnings coverage of net charge-offs (x) | 1.8435% | 4,345 |
| Efficiency ratio | 62.3375% | 5,673 |
| Assets per employee ($millions) | 4.4231% | 2,983 |
| Cash dividends to net income (ytd only)* | 30.8126% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 6,012 |
| Loan loss allowance to noncurrent loans | 60.7365% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 2.1205% | 3,193 |
| Noncurrent loans to loans | 1.7827% | 3,842 |
| Net loans and leases to total assets | 83.8845% | 310 |
| Net loans and leases to deposits | 102.8002% | 448 |
| Net loans and leases to core deposits | 115.7414% | 654 |
| Total domestic deposits to total assets | 81.5996% | 5,324 |
| Equity capital to assets | 7.5774% | 6,834 |
| Core capital (leverage) ratio | 7.4673% | 6,728 |
| Tier 1 risk-based capital ratio | 10.1860% | 6,881 |
| Total risk-based capital ratio | 11.4327% | 6,859 |
| Memoranda: | ||
| Average total assets | $457,947,800 | 1,450 |
| Average earning assets | $421,845,600 | 1,434 |
| Average equity | $35,183,400 | 1,885 |
| Average total loans | $386,428,000 | 1,166 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9484% | 1,037 |
| Cost of funding earning assets | 2.4284% | 183 |
| Net interest margin | 3.5200% | 5,215 |
| Noninterest income to average assets | 0.2797% | 5,868 |
| Noninterest expense to average assets | 2.0898% | 6,869 |
| Loan and lease loss provision to assets | 0.7375% | 2,076 |
| Net operating income to assets | 0.4352% | 4,606 |
| Return on assets (ROA) | 0.4352% | 4,785 |
| Pretax return on assets | 0.6909% | 4,260 |
| Return on Equity (ROE) | 5.6451% | 3,982 |
| Retained earnings to average equity (ytd only) | 4.5548% | 3,301 |
| Net charge-offs to loans | 0.8376% | 2,362 |
| Credit loss provision to net charge-offs | 104.4813% | 4,103 |
| Earnings coverage of net charge-offs (x) | 2.0237% | 4,205 |
| Efficiency ratio | 59.3989% | 6,042 |
| Assets per employee ($millions) | 4.4224% | 3,042 |
| Cash dividends to net income (ytd only)* | 19.3138% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 6,382 |
| Loan loss allowance to noncurrent loans | 49.7069% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 2.4199% | 2,956 |
| Noncurrent loans to loans | 2.0168% | 3,654 |
| Net loans and leases to total assets | 82.1792% | 477 |
| Net loans and leases to deposits | 101.8270% | 543 |
| Net loans and leases to core deposits | 114.2481% | 823 |
| Total domestic deposits to total assets | 80.7047% | 5,476 |
| Equity capital to assets | 7.6139% | 7,050 |
| Core capital (leverage) ratio | 7.6277% | 6,742 |
| Tier 1 risk-based capital ratio | 10.2320% | 6,943 |
| Total risk-based capital ratio | 11.3749% | 6,980 |
| Memoranda: | ||
| Average total assets | $455,221,500 | 1,477 |
| Average earning assets | $418,813,000 | 1,468 |
| Average equity | $35,097,500 | 1,908 |
| Average total loans | $383,635,000 | 1,192 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9642% | 1,031 |
| Cost of funding earning assets | 2.4479% | 211 |
| Net interest margin | 3.5162% | 5,183 |
| Noninterest income to average assets | 0.2600% | 6,059 |
| Noninterest expense to average assets | 2.0479% | 7,023 |
| Loan and lease loss provision to assets | 0.6967% | 2,084 |
| Net operating income to assets | 0.4683% | 4,472 |
| Return on assets (ROA) | 0.4686% | 4,631 |
| Pretax return on assets | 0.7437% | 4,086 |
| Return on Equity (ROE) | 6.0517% | 3,782 |
| Retained earnings to average equity (ytd only) | 4.4070% | 3,272 |
| Net charge-offs to loans | 0.8711% | 2,093 |
| Credit loss provision to net charge-offs | 94.4077% | 4,286 |
| Earnings coverage of net charge-offs (x) | 1.9513% | 4,056 |
| Efficiency ratio | 58.7150% | 6,273 |
| Assets per employee ($millions) | 4.3893% | 3,066 |
| Cash dividends to net income (ytd only)* | 27.1780% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 6,582 |
| Loan loss allowance to noncurrent loans | 49.7446% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 2.4774% | 2,904 |
| Noncurrent loans to loans | 1.9185% | 3,844 |
| Net loans and leases to total assets | 84.1199% | 341 |
| Net loans and leases to deposits | 105.1367% | 436 |
| Net loans and leases to core deposits | 118.6563% | 743 |
| Total domestic deposits to total assets | 80.0099% | 5,720 |
| Equity capital to assets | 7.7276% | 6,978 |
| Core capital (leverage) ratio | 7.7378% | 6,572 |
| Tier 1 risk-based capital ratio | 10.2369% | 6,888 |
| Total risk-based capital ratio | 11.3341% | 6,956 |
| Memoranda: | ||
| Average total assets | $450,704,670 | 1,516 |
| Average earning assets | $413,737,000 | 1,495 |
| Average equity | $34,899,330 | 1,915 |
| Average total loans | $381,802,000 | 1,211 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9315% | 1,125 |
| Cost of funding earning assets | 2.4650% | 247 |
| Net interest margin | 3.4665% | 5,302 |
| Noninterest income to average assets | 0.2698% | 5,998 |
| Noninterest expense to average assets | 2.0267% | 7,110 |
| Loan and lease loss provision to assets | 0.5985% | 2,123 |
| Net operating income to assets | 0.5184% | 4,301 |
| Return on assets (ROA) | 0.5190% | 4,436 |
| Pretax return on assets | 0.8236% | 3,775 |
| Return on Equity (ROE) | 6.6952% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.6952% | 2,278 |
| Net charge-offs to loans | 0.9175% | 1,747 |
| Credit loss provision to net charge-offs | 77.1001% | 3,952 |
| Earnings coverage of net charge-offs (x) | 1.8308% | 3,638 |
| Efficiency ratio | 58.7824% | 6,365 |
| Assets per employee ($millions) | 4.5877% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 6,685 |
| Loan loss allowance to noncurrent loans | 42.1534% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 2.6718% | 2,728 |
| Noncurrent loans to loans | 2.2449% | 3,464 |
| Net loans and leases to total assets | 83.6763% | 402 |
| Net loans and leases to deposits | 103.4625% | 563 |
| Net loans and leases to core deposits | 116.8384% | 914 |
| Total domestic deposits to total assets | 80.8760% | 5,501 |
| Equity capital to assets | 7.7842% | 6,856 |
| Core capital (leverage) ratio | 7.7810% | 6,527 |
| Tier 1 risk-based capital ratio | 10.2120% | 6,876 |
| Total risk-based capital ratio | 11.2757% | 7,007 |
| Memoranda: | ||
| Average total assets | $447,816,000 | 1,563 |
| Average earning assets | $410,555,000 | 1,544 |
| Average equity | $34,711,500 | 1,941 |
| Average total loans | $378,857,000 | 1,254 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0817% | 1,568 |
| Cost of funding earning assets | 2.7738% | 482 |
| Net interest margin | 3.3078% | 5,709 |
| Noninterest income to average assets | 0.1359% | 7,076 |
| Noninterest expense to average assets | 2.1431% | 7,097 |
| Loan and lease loss provision to assets | 0.7364% | 2,907 |
| Net operating income to assets | 0.2606% | 4,680 |
| Return on assets (ROA) | 0.2621% | 4,759 |
| Pretax return on assets | 0.3076% | 4,737 |
| Return on Equity (ROE) | 3.3306% | 4,368 |
| Retained earnings to average equity (ytd only) | 1.8974% | 3,768 |
| Net charge-offs to loans | 0.8373% | 2,735 |
| Credit loss provision to net charge-offs | 104.1330% | 5,309 |
| Earnings coverage of net charge-offs (x) | 1.4737% | 4,652 |
| Efficiency ratio | 66.7885% | 5,229 |
| Assets per employee ($millions) | 4.5514% | 2,833 |
| Cash dividends to net income (ytd only)* | 43.0314% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 6,359 |
| Loan loss allowance to noncurrent loans | 51.4794% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 2.4491% | 2,843 |
| Noncurrent loans to loans | 1.9496% | 3,734 |
| Net loans and leases to total assets | 83.8770% | 443 |
| Net loans and leases to deposits | 105.5258% | 579 |
| Net loans and leases to core deposits | 145.5972% | 621 |
| Total domestic deposits to total assets | 79.4848% | 5,850 |
| Equity capital to assets | 7.7181% | 6,840 |
| Core capital (leverage) ratio | 7.7050% | 6,552 |
| Tier 1 risk-based capital ratio | 9.9932% | 6,875 |
| Total risk-based capital ratio | 11.1082% | 6,960 |
| Memoranda: | ||
| Average total assets | $437,969,600 | 1,584 |
| Average earning assets | $403,736,800 | 1,571 |
| Average equity | $34,468,000 | 1,953 |
| Average total loans | $369,864,400 | 1,298 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0639% | 1,787 |
| Cost of funding earning assets | 2.8342% | 549 |
| Net interest margin | 3.2297% | 5,919 |
| Noninterest income to average assets | 0.1829% | 6,917 |
| Noninterest expense to average assets | 2.0690% | 7,242 |
| Loan and lease loss provision to assets | 0.4052% | 3,890 |
| Net operating income to assets | 0.4349% | 4,258 |
| Return on assets (ROA) | 0.4361% | 4,355 |
| Pretax return on assets | 0.6924% | 3,888 |
| Return on Equity (ROE) | 5.5144% | 3,729 |
| Retained earnings to average equity (ytd only) | 4.4046% | 2,810 |
| Net charge-offs to loans | 0.8735% | 2,222 |
| Credit loss provision to net charge-offs | 54.9793% | 6,245 |
| Earnings coverage of net charge-offs (x) | 1.4867% | 4,672 |
| Efficiency ratio | 64.7082% | 5,614 |
| Assets per employee ($millions) | 4.5742% | 2,743 |
| Cash dividends to net income (ytd only)* | 20.1263% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7072% | 7,349 |
| Loan loss allowance to noncurrent loans | 40.1494% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 2.6499% | 2,625 |
| Noncurrent loans to loans | 1.7614% | 3,976 |
| Net loans and leases to total assets | 83.3628% | 627 |
| Net loans and leases to deposits | 104.6738% | 724 |
| Net loans and leases to core deposits | 143.9484% | 766 |
| Total domestic deposits to total assets | 79.6405% | 5,581 |
| Equity capital to assets | 8.0486% | 6,804 |
| Core capital (leverage) ratio | 7.9164% | 6,479 |
| Tier 1 risk-based capital ratio | 10.4433% | 6,534 |
| Total risk-based capital ratio | 11.2307% | 6,956 |
| Memoranda: | ||
| Average total assets | $435,952,000 | 1,599 |
| Average earning assets | $402,502,500 | 1,593 |
| Average equity | $34,478,500 | 1,972 |
| Average total loans | $367,851,000 | 1,326 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0188% | 2,109 |
| Cost of funding earning assets | 2.8604% | 669 |
| Net interest margin | 3.1584% | 6,069 |
| Noninterest income to average assets | 0.2759% | 6,289 |
| Noninterest expense to average assets | 2.0416% | 7,391 |
| Loan and lease loss provision to assets | 0.2759% | 4,371 |
| Net operating income to assets | 0.5560% | 3,856 |
| Return on assets (ROA) | 0.5577% | 3,962 |
| Pretax return on assets | 0.8854% | 3,387 |
| Return on Equity (ROE) | 7.0935% | 3,167 |
| Retained earnings to average equity (ytd only) | 5.4207% | 2,285 |
| Net charge-offs to loans | 0.6545% | 2,400 |
| Credit loss provision to net charge-offs | 49.8757% | 5,769 |
| Earnings coverage of net charge-offs (x) | 2.0944% | 4,027 |
| Efficiency ratio | 63.1391% | 6,067 |
| Assets per employee ($millions) | 4.6024% | 2,602 |
| Cash dividends to net income (ytd only)* | 23.5826% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8316% | 7,047 |
| Loan loss allowance to noncurrent loans | 52.5683% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 2.3988% | 2,704 |
| Noncurrent loans to loans | 1.5819% | 4,124 |
| Net loans and leases to total assets | 83.4639% | 716 |
| Net loans and leases to deposits | 104.8761% | 839 |
| Net loans and leases to core deposits | 142.7600% | 902 |
| Total domestic deposits to total assets | 79.5833% | 5,602 |
| Equity capital to assets | 7.9323% | 6,827 |
| Core capital (leverage) ratio | 7.9136% | 6,468 |
| Tier 1 risk-based capital ratio | 10.3189% | 6,572 |
| Total risk-based capital ratio | 11.2450% | 6,865 |
| Memoranda: | ||
| Average total assets | $436,419,670 | 1,621 |
| Average earning assets | $404,070,000 | 1,604 |
| Average equity | $34,313,000 | 1,971 |
| Average total loans | $368,857,330 | 1,351 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9285% | 2,656 |
| Cost of funding earning assets | 2.9198% | 734 |
| Net interest margin | 3.0087% | 6,462 |
| Noninterest income to average assets | 0.2165% | 6,742 |
| Noninterest expense to average assets | 1.9440% | 7,458 |
| Loan and lease loss provision to assets | 0.1569% | 4,925 |
| Net operating income to assets | 0.5725% | 4,132 |
| Return on assets (ROA) | 0.5725% | 4,327 |
| Pretax return on assets | 0.9091% | 3,682 |
| Return on Equity (ROE) | 7.3135% | 3,465 |
| Retained earnings to average equity (ytd only) | 7.3135% | 2,094 |
| Net charge-offs to loans | 0.2838% | 2,977 |
| Credit loss provision to net charge-offs | 65.2672% | 4,431 |
| Earnings coverage of net charge-offs (x) | 4.4351% | 2,884 |
| Efficiency ratio | 63.8830% | 5,710 |
| Assets per employee ($millions) | 4.6785% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 6,389 |
| Loan loss allowance to noncurrent loans | 49.5151% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 2.4182% | 2,375 |
| Noncurrent loans to loans | 1.9518% | 3,339 |
| Net loans and leases to total assets | 83.2769% | 815 |
| Net loans and leases to deposits | 104.6631% | 967 |
| Net loans and leases to core deposits | 142.4614% | 986 |
| Total domestic deposits to total assets | 79.5667% | 5,520 |
| Equity capital to assets | 7.8375% | 7,024 |
| Core capital (leverage) ratio | 7.8072% | 6,741 |
| Tier 1 risk-based capital ratio | 10.2016% | 6,720 |
| Total risk-based capital ratio | 11.2797% | 6,800 |
| Memoranda: | ||
| Average total assets | $436,016,500 | 1,632 |
| Average earning assets | $404,823,500 | 1,608 |
| Average equity | $34,128,500 | 1,995 |
| Average total loans | $369,293,000 | 1,365 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8194% | 1,615 |
| Cost of funding earning assets | 3.3064% | 907 |
| Net interest margin | 3.5130% | 5,255 |
| Noninterest income to average assets | 0.4702% | 4,875 |
| Noninterest expense to average assets | 2.0724% | 7,296 |
| Loan and lease loss provision to assets | 0.2863% | 4,092 |
| Net operating income to assets | 0.9169% | 2,934 |
| Return on assets (ROA) | 0.9171% | 2,777 |
| Pretax return on assets | 1.3814% | 2,023 |
| Return on Equity (ROE) | 11.8661% | 1,633 |
| Retained earnings to average equity (ytd only) | 8.4295% | 724 |
| Net charge-offs to loans | 0.4059% | 2,782 |
| Credit loss provision to net charge-offs | 82.1599% | 5,858 |
| Earnings coverage of net charge-offs (x) | 4.7847% | 3,858 |
| Efficiency ratio | 54.8280% | 7,170 |
| Assets per employee ($millions) | 4.4107% | 2,770 |
| Cash dividends to net income (ytd only)* | 28.9610% | 4,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 6,113 |
| Loan loss allowance to noncurrent loans | 54.7015% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 2.1256% | 2,308 |
| Noncurrent loans to loans | 1.8168% | 3,035 |
| Net loans and leases to total assets | 84.4671% | 815 |
| Net loans and leases to deposits | 106.8654% | 1,055 |
| Net loans and leases to core deposits | 147.5287% | 959 |
| Total domestic deposits to total assets | 79.0406% | 5,362 |
| Equity capital to assets | 7.8170% | 7,075 |
| Core capital (leverage) ratio | 7.6932% | 6,948 |
| Tier 1 risk-based capital ratio | 10.0232% | 6,708 |
| Total risk-based capital ratio | 11.1289% | 6,757 |
| Memoranda: | ||
| Average total assets | $419,805,600 | 1,621 |
| Average earning assets | $390,723,400 | 1,590 |
| Average equity | $32,445,400 | 2,087 |
| Average total loans | $360,475,000 | 1,344 |