Home > Home Federal Bank > Performance and Condition Ratios
Home Federal 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 | 5.0960% | 1,860 |
| Cost of funding earning assets | 1.5012% | 1,937 |
| Net interest margin | 3.5948% | 1,977 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.5407% | 2,191 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.8674% | 2,644 |
| Return on assets (ROA) | 0.8674% | 2,616 |
| Pretax return on assets | 1.0241% | 2,601 |
| Return on Equity (ROE) | 9.6000% | 2,609 |
| Retained earnings to average equity (ytd only) | -5.7630% | 4,408 |
| Net charge-offs to loans | 0.0386% | 1,537 |
| Credit loss provision to net charge-offs | 151.0638% | 1,469 |
| Earnings coverage of net charge-offs (x) | 36.8245% | 1,500 |
| Efficiency ratio | 70.4057% | 1,827 |
| Assets per employee ($millions) | 7.7925% | 1,541 |
| Cash dividends to net income (ytd only)* | 160.0569% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,330 |
| Loan loss allowance to noncurrent loans | 232.5997% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 1,615 |
| Noncurrent loans to loans | 0.4288% | 1,711 |
| Net loans and leases to total assets | 76.9400% | 982 |
| Net loans and leases to deposits | 86.1725% | 1,603 |
| Net loans and leases to core deposits | 97.4883% | 1,569 |
| Total domestic deposits to total assets | 89.2800% | 983 |
| Equity capital to assets | 9.4764% | 2,364 |
| Core capital (leverage) ratio | 9.1517% | 3,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1913% | 1,805 |
| Memoranda: | ||
| Average total assets | $648,259,000 | 1,377 |
| Average earning assets | $606,650,800 | 1,366 |
| Average equity | $58,598,200 | 1,414 |
| Average total loans | $486,873,800 | 1,260 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 1,771 |
| Cost of funding earning assets | 1.3500% | 2,003 |
| Net interest margin | 3.6805% | 1,819 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.5894% | 1,979 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8653% | 2,815 |
| Return on assets (ROA) | 0.8653% | 2,796 |
| Pretax return on assets | 1.0919% | 2,588 |
| Return on Equity (ROE) | 9.6900% | 2,738 |
| Retained earnings to average equity (ytd only) | -11.0908% | 4,509 |
| Net charge-offs to loans | 0.0485% | 1,197 |
| Credit loss provision to net charge-offs | 171.4286% | 1,225 |
| Earnings coverage of net charge-offs (x) | 31.9771% | 1,561 |
| Efficiency ratio | 69.1765% | 1,882 |
| Assets per employee ($millions) | 7.8901% | 1,404 |
| Cash dividends to net income (ytd only)* | 214.4389% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 3,399 |
| Loan loss allowance to noncurrent loans | 421.3047% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 1,932 |
| Noncurrent loans to loans | 0.2364% | 2,406 |
| Net loans and leases to total assets | 76.5300% | 1,059 |
| Net loans and leases to deposits | 85.4654% | 1,619 |
| Net loans and leases to core deposits | 95.2619% | 1,597 |
| Total domestic deposits to total assets | 89.5400% | 1,058 |
| Equity capital to assets | 8.9413% | 2,452 |
| Core capital (leverage) ratio | 8.9065% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8730% | 1,944 |
| Memoranda: | ||
| Average total assets | $646,680,250 | 1,382 |
| Average earning assets | $605,225,250 | 1,369 |
| Average equity | $57,740,250 | 1,418 |
| Average total loans | $481,421,000 | 1,270 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9200% | 1,714 |
| Cost of funding earning assets | 1.1732% | 2,072 |
| Net interest margin | 3.7468% | 1,724 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.6483% | 1,796 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.8539% | 2,910 |
| Return on assets (ROA) | 0.8539% | 2,912 |
| Pretax return on assets | 1.0800% | 2,696 |
| Return on Equity (ROE) | 9.5700% | 2,818 |
| Retained earnings to average equity (ytd only) | -21.8822% | 4,585 |
| Net charge-offs to loans | -0.0361% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.2942% | 1,835 |
| Assets per employee ($millions) | 8.5854% | 1,052 |
| Cash dividends to net income (ytd only)* | 328.7071% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 3,215 |
| Loan loss allowance to noncurrent loans | 377.5912% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 1,890 |
| Noncurrent loans to loans | 0.2770% | 2,160 |
| Net loans and leases to total assets | 74.0500% | 1,287 |
| Net loans and leases to deposits | 81.8115% | 1,841 |
| Net loans and leases to core deposits | 90.7728% | 1,747 |
| Total domestic deposits to total assets | 90.5100% | 779 |
| Equity capital to assets | 8.8949% | 2,591 |
| Core capital (leverage) ratio | 8.6863% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9496% | 1,919 |
| Memoranda: | ||
| Average total assets | $641,318,333 | 1,391 |
| Average earning assets | $600,081,000 | 1,380 |
| Average equity | $57,233,667 | 1,434 |
| Average total loans | $471,131,667 | 1,276 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 1,733 |
| Cost of funding earning assets | 0.9446% | 2,237 |
| Net interest margin | 3.8069% | 1,676 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.7847% | 1,463 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.7969% | 3,196 |
| Return on assets (ROA) | 0.7969% | 3,152 |
| Pretax return on assets | 1.0015% | 2,989 |
| Return on Equity (ROE) | 8.9100% | 3,072 |
| Retained earnings to average equity (ytd only) | -82.7146% | 4,683 |
| Net charge-offs to loans | 0.0017% | 1,982 |
| Credit loss provision to net charge-offs | 7,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 865.5000% | 122 |
| Efficiency ratio | 71.7480% | 1,555 |
| Assets per employee ($millions) | 8.2666% | 1,221 |
| Cash dividends to net income (ytd only)* | 1,027.9014% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,508 |
| Loan loss allowance to noncurrent loans | 209.4188% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 1,333 |
| Noncurrent loans to loans | 0.4786% | 1,517 |
| Net loans and leases to total assets | 71.0600% | 1,515 |
| Net loans and leases to deposits | 79.2700% | 1,873 |
| Net loans and leases to core deposits | 86.1523% | 1,853 |
| Total domestic deposits to total assets | 89.6400% | 1,285 |
| Equity capital to assets | 8.4536% | 2,929 |
| Core capital (leverage) ratio | 8.4126% | 4,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1870% | 2,311 |
| Memoranda: | ||
| Average total assets | $631,440,500 | 1,434 |
| Average earning assets | $590,296,500 | 1,419 |
| Average equity | $56,449,500 | 1,460 |
| Average total loans | $459,362,000 | 1,318 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 1,642 |
| Cost of funding earning assets | 0.3445% | 2,522 |
| Net interest margin | 3.6837% | 1,412 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.4333% | 2,325 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.0848% | 2,238 |
| Return on assets (ROA) | 1.0848% | 2,180 |
| Pretax return on assets | 1.2703% | 2,200 |
| Return on Equity (ROE) | 11.5500% | 2,286 |
| Retained earnings to average equity (ytd only) | 3.4634% | 3,573 |
| Net charge-offs to loans | 0.0603% | 1,045 |
| Credit loss provision to net charge-offs | 352.7197% | 838 |
| Earnings coverage of net charge-offs (x) | 34.3222% | 1,605 |
| Efficiency ratio | 63.2169% | 2,601 |
| Assets per employee ($millions) | 7.5889% | 1,558 |
| Cash dividends to net income (ytd only)* | 70.0080% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 2,768 |
| Loan loss allowance to noncurrent loans | 246.4231% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 1,332 |
| Noncurrent loans to loans | 0.4559% | 1,572 |
| Net loans and leases to total assets | 73.0700% | 1,309 |
| Net loans and leases to deposits | 81.2652% | 1,672 |
| Net loans and leases to core deposits | 86.2209% | 1,735 |
| Total domestic deposits to total assets | 89.9200% | 1,399 |
| Equity capital to assets | 9.5182% | 1,992 |
| Core capital (leverage) ratio | 9.9942% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2510% | 1,547 |
| Memoranda: | ||
| Average total assets | $579,379,000 | 1,544 |
| Average earning assets | $537,260,200 | 1,532 |
| Average equity | $54,426,400 | 1,510 |
| Average total loans | $396,334,000 | 1,406 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8572% | 1,596 |
| Cost of funding earning assets | 0.2963% | 2,213 |
| Net interest margin | 3.5609% | 1,486 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.4492% | 2,161 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.0107% | 2,445 |
| Return on assets (ROA) | 1.0107% | 2,409 |
| Pretax return on assets | 1.1450% | 2,575 |
| Return on Equity (ROE) | 10.7900% | 2,472 |
| Retained earnings to average equity (ytd only) | -0.0074% | 4,349 |
| Net charge-offs to loans | 0.0113% | 1,694 |
| Credit loss provision to net charge-offs | 2,100.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 171.9394% | 683 |
| Efficiency ratio | 65.2520% | 2,379 |
| Assets per employee ($millions) | 7.6704% | 1,505 |
| Cash dividends to net income (ytd only)* | 100.0682% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 2,702 |
| Loan loss allowance to noncurrent loans | 231.1069% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 1,441 |
| Noncurrent loans to loans | 0.5058% | 1,535 |
| Net loans and leases to total assets | 70.2500% | 1,458 |
| Net loans and leases to deposits | 78.0218% | 1,704 |
| Net loans and leases to core deposits | 81.3424% | 1,809 |
| Total domestic deposits to total assets | 90.0400% | 1,638 |
| Equity capital to assets | 9.0931% | 2,142 |
| Core capital (leverage) ratio | 9.4962% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0611% | 1,689 |
| Memoranda: | ||
| Average total assets | $580,034,750 | 1,544 |
| Average earning assets | $537,685,000 | 1,543 |
| Average equity | $54,308,750 | 1,528 |
| Average total loans | $388,858,750 | 1,418 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6517% | 1,675 |
| Cost of funding earning assets | 0.2937% | 1,776 |
| Net interest margin | 3.3581% | 1,731 |
| Noninterest income to average assets | 0.4918% | 2,249 |
| Noninterest expense to average assets | 2.4308% | 2,145 |
| Loan and lease loss provision to assets | 0.0950% | 1,049 |
| Net operating income to assets | 0.8859% | 2,642 |
| Return on assets (ROA) | 0.8859% | 2,615 |
| Pretax return on assets | 1.0700% | 2,514 |
| Return on Equity (ROE) | 9.3712% | 2,574 |
| Retained earnings to average equity (ytd only) | 2.0642% | 3,733 |
| Net charge-offs to loans | 0.0042% | 1,866 |
| Credit loss provision to net charge-offs | 3,437.5000% | 154 |
| Earnings coverage of net charge-offs (x) | 421.6250% | 301 |
| Efficiency ratio | 67.6016% | 2,296 |
| Assets per employee ($millions) | 7.9830% | 1,316 |
| Cash dividends to net income (ytd only)* | 77.9727% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,065 |
| Loan loss allowance to noncurrent loans | 202.2263% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 1,500 |
| Noncurrent loans to loans | 0.5552% | 1,505 |
| Net loans and leases to total assets | 66.3491% | 1,650 |
| Net loans and leases to deposits | 73.5926% | 1,907 |
| Net loans and leases to core deposits | 77.0660% | 1,918 |
| Total domestic deposits to total assets | 90.1573% | 1,646 |
| Equity capital to assets | 9.2179% | 2,219 |
| Core capital (leverage) ratio | 9.6458% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6216% | 1,531 |
| Memoranda: | ||
| Average total assets | $579,063,333 | 1,547 |
| Average earning assets | $535,250,667 | 1,566 |
| Average equity | $54,742,333 | 1,560 |
| Average total loans | $380,360,333 | 1,438 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5302% | 1,699 |
| Cost of funding earning assets | 0.3032% | 1,631 |
| Net interest margin | 3.2270% | 1,798 |
| Noninterest income to average assets | 0.5827% | 1,765 |
| Noninterest expense to average assets | 2.4291% | 2,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9441% | 2,094 |
| Return on assets (ROA) | 0.9441% | 2,084 |
| Pretax return on assets | 1.1465% | 1,996 |
| Return on Equity (ROE) | 9.8603% | 2,015 |
| Retained earnings to average equity (ytd only) | -4.7152% | 4,413 |
| Net charge-offs to loans | 0.0107% | 1,367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 164.3000% | 500 |
| Efficiency ratio | 67.9352% | 2,514 |
| Assets per employee ($millions) | 7.7677% | 1,514 |
| Cash dividends to net income (ytd only)* | 147.8197% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 3,201 |
| Loan loss allowance to noncurrent loans | 1,264.8485% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 3,473 |
| Noncurrent loans to loans | 0.0893% | 3,392 |
| Net loans and leases to total assets | 63.5352% | 1,680 |
| Net loans and leases to deposits | 70.5918% | 1,905 |
| Net loans and leases to core deposits | 73.8732% | 1,948 |
| Total domestic deposits to total assets | 90.0036% | 1,561 |
| Equity capital to assets | 9.4158% | 2,351 |
| Core capital (leverage) ratio | 9.6098% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9813% | 1,519 |
| Memoranda: | ||
| Average total assets | $573,222,500 | 1,572 |
| Average earning assets | $531,645,000 | 1,582 |
| Average equity | $54,886,500 | 1,601 |
| Average total loans | $372,338,000 | 1,455 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6874% | 2,149 |
| Cost of funding earning assets | 0.4562% | 1,153 |
| Net interest margin | 3.2311% | 2,512 |
| Noninterest income to average assets | 0.7644% | 1,552 |
| Noninterest expense to average assets | 2.4299% | 2,398 |
| Loan and lease loss provision to assets | 0.1000% | 1,249 |
| Net operating income to assets | 0.9923% | 2,704 |
| Return on assets (ROA) | 0.9923% | 2,770 |
| Pretax return on assets | 1.2544% | 2,508 |
| Return on Equity (ROE) | 10.2441% | 2,436 |
| Retained earnings to average equity (ytd only) | 4.7256% | 2,905 |
| Net charge-offs to loans | 0.0458% | 1,368 |
| Credit loss provision to net charge-offs | 335.9281% | 1,009 |
| Earnings coverage of net charge-offs (x) | 45.5150% | 1,358 |
| Efficiency ratio | 64.2104% | 2,527 |
| Assets per employee ($millions) | 8.0512% | 1,303 |
| Cash dividends to net income (ytd only)* | 53.8696% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 3,296 |
| Loan loss allowance to noncurrent loans | 352.1886% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 2,182 |
| Noncurrent loans to loans | 0.3166% | 2,456 |
| Net loans and leases to total assets | 64.9210% | 1,592 |
| Net loans and leases to deposits | 72.3881% | 1,875 |
| Net loans and leases to core deposits | 77.0764% | 1,834 |
| Total domestic deposits to total assets | 89.6847% | 1,122 |
| Equity capital to assets | 9.7352% | 2,905 |
| Core capital (leverage) ratio | 9.8000% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5635% | 1,372 |
| Memoranda: | ||
| Average total assets | $561,214,400 | 1,538 |
| Average earning assets | $524,520,800 | 1,535 |
| Average equity | $54,363,000 | 1,649 |
| Average total loans | $364,428,600 | 1,479 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7385% | 2,177 |
| Cost of funding earning assets | 0.4868% | 1,122 |
| Net interest margin | 3.2518% | 2,580 |
| Noninterest income to average assets | 0.7771% | 1,593 |
| Noninterest expense to average assets | 2.4038% | 2,427 |
| Loan and lease loss provision to assets | 0.1194% | 991 |
| Net operating income to assets | 1.0235% | 2,821 |
| Return on assets (ROA) | 1.0235% | 2,890 |
| Pretax return on assets | 1.2963% | 2,635 |
| Return on Equity (ROE) | 10.5793% | 2,527 |
| Retained earnings to average equity (ytd only) | 3.1777% | 3,839 |
| Net charge-offs to loans | 0.0601% | 1,039 |
| Credit loss provision to net charge-offs | 306.7485% | 991 |
| Earnings coverage of net charge-offs (x) | 36.3865% | 1,424 |
| Efficiency ratio | 62.9359% | 2,540 |
| Assets per employee ($millions) | 7.8811% | 1,321 |
| Cash dividends to net income (ytd only)* | 69.9627% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 3,145 |
| Loan loss allowance to noncurrent loans | 426.7839% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 2,588 |
| Noncurrent loans to loans | 0.2727% | 2,826 |
| Net loans and leases to total assets | 61.7607% | 2,036 |
| Net loans and leases to deposits | 68.9343% | 2,340 |
| Net loans and leases to core deposits | 73.6796% | 2,273 |
| Total domestic deposits to total assets | 89.5936% | 969 |
| Equity capital to assets | 9.6144% | 3,278 |
| Core capital (leverage) ratio | 9.5683% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1889% | 1,316 |
| Memoranda: | ||
| Average total assets | $558,609,000 | 1,559 |
| Average earning assets | $522,618,000 | 1,548 |
| Average equity | $54,041,250 | 1,673 |
| Average total loans | $361,711,750 | 1,514 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 2,063 |
| Cost of funding earning assets | 0.5267% | 1,052 |
| Net interest margin | 3.2747% | 2,537 |
| Noninterest income to average assets | 0.8059% | 1,520 |
| Noninterest expense to average assets | 2.3755% | 2,543 |
| Loan and lease loss provision to assets | 0.1800% | 634 |
| Net operating income to assets | 1.0348% | 2,774 |
| Return on assets (ROA) | 1.0348% | 2,850 |
| Pretax return on assets | 1.3137% | 2,592 |
| Return on Equity (ROE) | 10.6739% | 2,541 |
| Retained earnings to average equity (ytd only) | 5.1049% | 3,144 |
| Net charge-offs to loans | 0.0923% | 784 |
| Credit loss provision to net charge-offs | 297.6190% | 894 |
| Earnings coverage of net charge-offs (x) | 24.7024% | 1,429 |
| Efficiency ratio | 61.3953% | 2,814 |
| Assets per employee ($millions) | 9.2774% | 778 |
| Cash dividends to net income (ytd only)* | 52.1739% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 3,128 |
| Loan loss allowance to noncurrent loans | 411.3772% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 2,711 |
| Noncurrent loans to loans | 0.2824% | 2,924 |
| Net loans and leases to total assets | 61.9751% | 2,181 |
| Net loans and leases to deposits | 69.1130% | 2,501 |
| Net loans and leases to core deposits | 74.7736% | 2,351 |
| Total domestic deposits to total assets | 89.6721% | 937 |
| Equity capital to assets | 9.6604% | 3,191 |
| Core capital (leverage) ratio | 9.5677% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8832% | 1,151 |
| Memoranda: | ||
| Average total assets | $555,665,333 | 1,559 |
| Average earning assets | $519,808,667 | 1,548 |
| Average equity | $53,869,667 | 1,667 |
| Average total loans | $364,088,333 | 1,508 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0342% | 1,538 |
| Cost of funding earning assets | 0.5700% | 1,007 |
| Net interest margin | 3.4642% | 1,920 |
| Noninterest income to average assets | 0.8813% | 1,378 |
| Noninterest expense to average assets | 2.4224% | 2,427 |
| Loan and lease loss provision to assets | 0.3270% | 266 |
| Net operating income to assets | 1.0746% | 2,553 |
| Return on assets (ROA) | 1.0746% | 2,640 |
| Pretax return on assets | 1.3732% | 2,357 |
| Return on Equity (ROE) | 11.0643% | 2,346 |
| Retained earnings to average equity (ytd only) | -0.1571% | 4,378 |
| Net charge-offs to loans | -0.1595% | 4,748 |
| Credit loss provision to net charge-offs | -306.1224% | 3,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7593% | 3,194 |
| Assets per employee ($millions) | 9.2634% | 755 |
| Cash dividends to net income (ytd only)* | 101.4199% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 2,990 |
| Loan loss allowance to noncurrent loans | 314.0301% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4699% | 1,980 |
| Noncurrent loans to loans | 0.3784% | 2,740 |
| Net loans and leases to total assets | 64.5670% | 1,972 |
| Net loans and leases to deposits | 72.0686% | 2,311 |
| Net loans and leases to core deposits | 79.5905% | 2,042 |
| Total domestic deposits to total assets | 89.5910% | 1,026 |
| Equity capital to assets | 9.4265% | 3,267 |
| Core capital (leverage) ratio | 9.6940% | 2,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2198% | 1,237 |
| Memoranda: | ||
| Average total assets | $550,537,500 | 1,560 |
| Average earning assets | $515,093,000 | 1,548 |
| Average equity | $53,469,500 | 1,670 |
| Average total loans | $368,706,500 | 1,494 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3230% | 1,792 |
| Cost of funding earning assets | 0.9016% | 855 |
| Net interest margin | 3.4214% | 2,705 |
| Noninterest income to average assets | 0.9561% | 1,127 |
| Noninterest expense to average assets | 2.5397% | 2,720 |
| Loan and lease loss provision to assets | 0.4106% | 746 |
| Net operating income to assets | 0.9549% | 2,457 |
| Return on assets (ROA) | 0.9892% | 2,476 |
| Pretax return on assets | 1.2530% | 2,144 |
| Return on Equity (ROE) | 9.5523% | 2,180 |
| Retained earnings to average equity (ytd only) | 3.7956% | 2,921 |
| Net charge-offs to loans | 0.4894% | 329 |
| Credit loss provision to net charge-offs | 116.5257% | 2,667 |
| Earnings coverage of net charge-offs (x) | 4.5979% | 2,962 |
| Efficiency ratio | 61.0548% | 3,303 |
| Assets per employee ($millions) | 9.0849% | 718 |
| Cash dividends to net income (ytd only)* | 60.2652% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 3,762 |
| Loan loss allowance to noncurrent loans | 93.1433% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 1,102 |
| Noncurrent loans to loans | 1.1052% | 1,285 |
| Net loans and leases to total assets | 67.9821% | 1,832 |
| Net loans and leases to deposits | 76.1489% | 2,268 |
| Net loans and leases to core deposits | 85.7917% | 1,886 |
| Total domestic deposits to total assets | 89.2752% | 864 |
| Equity capital to assets | 10.0135% | 3,126 |
| Core capital (leverage) ratio | 9.8292% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3962% | 1,171 |
| Memoranda: | ||
| Average total assets | $503,210,600 | 1,543 |
| Average earning assets | $471,178,200 | 1,533 |
| Average equity | $52,113,200 | 1,626 |
| Average total loans | $362,312,200 | 1,472 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 2,048 |
| Cost of funding earning assets | 0.9676% | 856 |
| Net interest margin | 3.3485% | 3,045 |
| Noninterest income to average assets | 0.9438% | 1,129 |
| Noninterest expense to average assets | 2.5677% | 2,639 |
| Loan and lease loss provision to assets | 0.3949% | 904 |
| Net operating income to assets | 0.8824% | 2,767 |
| Return on assets (ROA) | 0.9290% | 2,731 |
| Pretax return on assets | 1.1722% | 2,481 |
| Return on Equity (ROE) | 8.8907% | 2,441 |
| Retained earnings to average equity (ytd only) | 1.1574% | 4,198 |
| Net charge-offs to loans | 0.1519% | 963 |
| Credit loss provision to net charge-offs | 356.6910% | 1,591 |
| Earnings coverage of net charge-offs (x) | 13.6229% | 2,188 |
| Efficiency ratio | 62.9989% | 2,915 |
| Assets per employee ($millions) | 9.1896% | 658 |
| Cash dividends to net income (ytd only)* | 86.9817% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 2,814 |
| Loan loss allowance to noncurrent loans | 86.5070% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.1457% | 903 |
| Noncurrent loans to loans | 1.3576% | 1,079 |
| Net loans and leases to total assets | 70.6496% | 1,861 |
| Net loans and leases to deposits | 78.9783% | 2,425 |
| Net loans and leases to core deposits | 89.8913% | 1,983 |
| Total domestic deposits to total assets | 89.4545% | 596 |
| Equity capital to assets | 9.6283% | 3,574 |
| Core capital (leverage) ratio | 9.7333% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9194% | 1,274 |
| Memoranda: | ||
| Average total assets | $495,011,000 | 1,544 |
| Average earning assets | $463,003,000 | 1,535 |
| Average equity | $51,723,250 | 1,627 |
| Average total loans | $360,845,250 | 1,466 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 2,025 |
| Cost of funding earning assets | 1.0602% | 818 |
| Net interest margin | 3.4022% | 3,093 |
| Noninterest income to average assets | 0.7499% | 1,579 |
| Noninterest expense to average assets | 2.5776% | 2,747 |
| Loan and lease loss provision to assets | 0.3196% | 1,338 |
| Net operating income to assets | 0.8200% | 2,974 |
| Return on assets (ROA) | 0.8922% | 2,841 |
| Pretax return on assets | 1.1271% | 2,631 |
| Return on Equity (ROE) | 8.2927% | 2,635 |
| Retained earnings to average equity (ytd only) | 2.4746% | 3,591 |
| Net charge-offs to loans | 0.1034% | 1,246 |
| Credit loss provision to net charge-offs | 420.8791% | 1,364 |
| Earnings coverage of net charge-offs (x) | 17.8462% | 1,801 |
| Efficiency ratio | 65.5385% | 2,582 |
| Assets per employee ($millions) | 8.6487% | 768 |
| Cash dividends to net income (ytd only)* | 70.1590% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 3,205 |
| Loan loss allowance to noncurrent loans | 67.7907% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3432% | 751 |
| Noncurrent loans to loans | 1.5870% | 936 |
| Net loans and leases to total assets | 72.3132% | 1,651 |
| Net loans and leases to deposits | 81.3008% | 2,280 |
| Net loans and leases to core deposits | 93.4515% | 1,791 |
| Total domestic deposits to total assets | 88.9453% | 764 |
| Equity capital to assets | 10.1355% | 3,079 |
| Core capital (leverage) ratio | 10.2083% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6251% | 1,107 |
| Memoranda: | ||
| Average total assets | $479,286,667 | 1,559 |
| Average earning assets | $448,414,667 | 1,547 |
| Average equity | $51,563,333 | 1,621 |
| Average total loans | $351,926,000 | 1,484 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 2,199 |
| Cost of funding earning assets | 1.2216% | 711 |
| Net interest margin | 3.3156% | 3,555 |
| Noninterest income to average assets | 0.7208% | 1,563 |
| Noninterest expense to average assets | 2.5812% | 3,039 |
| Loan and lease loss provision to assets | 0.2751% | 1,133 |
| Net operating income to assets | 0.7591% | 3,059 |
| Return on assets (ROA) | 0.9097% | 2,596 |
| Pretax return on assets | 1.1552% | 2,351 |
| Return on Equity (ROE) | 8.1885% | 2,433 |
| Retained earnings to average equity (ytd only) | -3.5653% | 4,405 |
| Net charge-offs to loans | 0.0355% | 1,702 |
| Credit loss provision to net charge-offs | 1,053.3333% | 551 |
| Earnings coverage of net charge-offs (x) | 47.4667% | 933 |
| Efficiency ratio | 67.5553% | 2,738 |
| Assets per employee ($millions) | 7.4705% | 904 |
| Cash dividends to net income (ytd only)* | 143.5407% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 3,058 |
| Loan loss allowance to noncurrent loans | 51.5465% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.6100% | 633 |
| Noncurrent loans to loans | 2.1885% | 614 |
| Net loans and leases to total assets | 71.5870% | 1,985 |
| Net loans and leases to deposits | 81.5148% | 2,522 |
| Net loans and leases to core deposits | 95.8267% | 1,808 |
| Total domestic deposits to total assets | 87.8208% | 1,175 |
| Equity capital to assets | 11.0379% | 2,823 |
| Core capital (leverage) ratio | 11.0178% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3621% | 1,260 |
| Memoranda: | ||
| Average total assets | $459,470,500 | 1,570 |
| Average earning assets | $429,607,000 | 1,559 |
| Average equity | $51,047,500 | 1,629 |
| Average total loans | $338,225,000 | 1,492 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9229% | 1,688 |
| Cost of funding earning assets | 1.2561% | 873 |
| Net interest margin | 3.6668% | 2,911 |
| Noninterest income to average assets | 0.7113% | 1,773 |
| Noninterest expense to average assets | 2.5549% | 3,306 |
| Loan and lease loss provision to assets | 0.3096% | 528 |
| Net operating income to assets | 1.0017% | 2,844 |
| Return on assets (ROA) | 1.0017% | 2,928 |
| Pretax return on assets | 1.2501% | 2,668 |
| Return on Equity (ROE) | 8.9212% | 2,787 |
| Retained earnings to average equity (ytd only) | 2.9056% | 3,573 |
| Net charge-offs to loans | 0.4040% | 481 |
| Credit loss provision to net charge-offs | 101.3265% | 2,444 |
| Earnings coverage of net charge-offs (x) | 5.1046% | 3,128 |
| Efficiency ratio | 62.0937% | 3,365 |
| Assets per employee ($millions) | 7.0119% | 1,036 |
| Cash dividends to net income (ytd only)* | 67.4309% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,341 |
| Loan loss allowance to noncurrent loans | 106.2918% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.8272% | 1,556 |
| Noncurrent loans to loans | 0.9645% | 1,587 |
| Net loans and leases to total assets | 74.0724% | 1,736 |
| Net loans and leases to deposits | 84.0107% | 2,334 |
| Net loans and leases to core deposits | 98.6385% | 1,685 |
| Total domestic deposits to total assets | 88.1702% | 1,048 |
| Equity capital to assets | 11.1834% | 2,829 |
| Core capital (leverage) ratio | 11.1000% | 2,414 |
| Tier 1 risk-based capital ratio | 16.3754% | 2,265 |
| Total risk-based capital ratio | 17.5055% | 2,256 |
| Memoranda: | ||
| Average total assets | $444,124,200 | 1,580 |
| Average earning assets | $412,213,000 | 1,579 |
| Average equity | $49,870,000 | 1,605 |
| Average total loans | $335,852,800 | 1,473 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 1,718 |
| Cost of funding earning assets | 1.2409% | 935 |
| Net interest margin | 3.6943% | 2,939 |
| Noninterest income to average assets | 0.6772% | 1,884 |
| Noninterest expense to average assets | 2.5626% | 3,271 |
| Loan and lease loss provision to assets | 0.1284% | 1,510 |
| Net operating income to assets | 1.1302% | 2,456 |
| Return on assets (ROA) | 1.1302% | 2,546 |
| Pretax return on assets | 1.4094% | 2,276 |
| Return on Equity (ROE) | 10.0546% | 2,405 |
| Retained earnings to average equity (ytd only) | 1.9894% | 4,274 |
| Net charge-offs to loans | 0.1275% | 1,241 |
| Credit loss provision to net charge-offs | 132.8125% | 1,795 |
| Earnings coverage of net charge-offs (x) | 15.9030% | 2,159 |
| Efficiency ratio | 62.4954% | 3,247 |
| Assets per employee ($millions) | 7.8163% | 739 |
| Cash dividends to net income (ytd only)* | 80.2139% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 3,248 |
| Loan loss allowance to noncurrent loans | 98.8144% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.8906% | 1,528 |
| Noncurrent loans to loans | 1.0683% | 1,492 |
| Net loans and leases to total assets | 72.8419% | 2,028 |
| Net loans and leases to deposits | 82.7013% | 2,593 |
| Net loans and leases to core deposits | 96.9754% | 1,903 |
| Total domestic deposits to total assets | 88.0783% | 1,007 |
| Equity capital to assets | 10.9331% | 3,158 |
| Core capital (leverage) ratio | 11.2623% | 2,413 |
| Tier 1 risk-based capital ratio | 16.1013% | 2,392 |
| Total risk-based capital ratio | 17.2563% | 2,370 |
| Memoranda: | ||
| Average total assets | $441,212,000 | 1,594 |
| Average earning assets | $408,838,250 | 1,596 |
| Average equity | $49,594,750 | 1,616 |
| Average total loans | $334,541,250 | 1,488 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9583% | 1,591 |
| Cost of funding earning assets | 1.2213% | 936 |
| Net interest margin | 3.7371% | 2,804 |
| Noninterest income to average assets | 0.5882% | 2,208 |
| Noninterest expense to average assets | 2.5124% | 3,435 |
| Loan and lease loss provision to assets | 0.1151% | 1,628 |
| Net operating income to assets | 1.1257% | 2,423 |
| Return on assets (ROA) | 1.1257% | 2,496 |
| Pretax return on assets | 1.4166% | 2,150 |
| Return on Equity (ROE) | 9.9189% | 2,430 |
| Retained earnings to average equity (ytd only) | 3.8362% | 3,325 |
| Net charge-offs to loans | 0.1664% | 964 |
| Credit loss provision to net charge-offs | 90.2527% | 2,131 |
| Earnings coverage of net charge-offs (x) | 12.0144% | 2,175 |
| Efficiency ratio | 62.1259% | 3,415 |
| Assets per employee ($millions) | 7.5053% | 808 |
| Cash dividends to net income (ytd only)* | 61.3246% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 3,464 |
| Loan loss allowance to noncurrent loans | 92.0533% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.1553% | 1,165 |
| Noncurrent loans to loans | 1.1154% | 1,463 |
| Net loans and leases to total assets | 75.1434% | 1,697 |
| Net loans and leases to deposits | 85.5460% | 2,305 |
| Net loans and leases to core deposits | 101.3092% | 1,612 |
| Total domestic deposits to total assets | 87.8398% | 1,176 |
| Equity capital to assets | 11.4177% | 2,688 |
| Core capital (leverage) ratio | 11.3721% | 2,273 |
| Tier 1 risk-based capital ratio | 16.5066% | 2,233 |
| Total risk-based capital ratio | 17.6423% | 2,215 |
| Memoranda: | ||
| Average total assets | $434,563,000 | 1,618 |
| Average earning assets | $401,867,670 | 1,622 |
| Average equity | $49,320,000 | 1,614 |
| Average total loans | $332,888,000 | 1,500 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0153% | 1,301 |
| Cost of funding earning assets | 1.1693% | 988 |
| Net interest margin | 3.8460% | 2,361 |
| Noninterest income to average assets | 0.4488% | 2,858 |
| Noninterest expense to average assets | 2.4710% | 3,583 |
| Loan and lease loss provision to assets | 0.0929% | 1,872 |
| Net operating income to assets | 1.1514% | 2,259 |
| Return on assets (ROA) | 1.1514% | 2,311 |
| Pretax return on assets | 1.4488% | 1,927 |
| Return on Equity (ROE) | 10.1765% | 2,287 |
| Retained earnings to average equity (ytd only) | -2.1437% | 4,755 |
| Net charge-offs to loans | -0.0012% | 3,815 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5794% | 3,598 |
| Assets per employee ($millions) | 8.2061% | 624 |
| Cash dividends to net income (ytd only)* | 121.0654% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 3,259 |
| Loan loss allowance to noncurrent loans | 93.5214% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 1,173 |
| Noncurrent loans to loans | 1.1500% | 1,453 |
| Net loans and leases to total assets | 75.7096% | 1,531 |
| Net loans and leases to deposits | 86.0075% | 2,130 |
| Net loans and leases to core deposits | 102.1733% | 1,452 |
| Total domestic deposits to total assets | 88.0268% | 1,325 |
| Equity capital to assets | 11.1954% | 2,658 |
| Core capital (leverage) ratio | 11.4017% | 2,212 |
| Tier 1 risk-based capital ratio | 16.3522% | 2,316 |
| Total risk-based capital ratio | 17.5478% | 2,285 |
| Memoranda: | ||
| Average total assets | $430,438,500 | 1,632 |
| Average earning assets | $398,858,500 | 1,642 |
| Average equity | $48,700,500 | 1,613 |
| Average total loans | $331,234,000 | 1,517 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9013% | 1,285 |
| Cost of funding earning assets | 0.9880% | 797 |
| Net interest margin | 3.9134% | 2,289 |
| Noninterest income to average assets | 0.5607% | 2,486 |
| Noninterest expense to average assets | 2.5228% | 3,544 |
| Loan and lease loss provision to assets | 0.2140% | 857 |
| Net operating income to assets | 1.1457% | 2,410 |
| Return on assets (ROA) | 1.1457% | 2,408 |
| Pretax return on assets | 1.4551% | 1,930 |
| Return on Equity (ROE) | 10.2596% | 2,415 |
| Retained earnings to average equity (ytd only) | 6.0007% | 2,194 |
| Net charge-offs to loans | 0.2452% | 791 |
| Credit loss provision to net charge-offs | 111.9403% | 2,309 |
| Earnings coverage of net charge-offs (x) | 8.7301% | 2,871 |
| Efficiency ratio | 60.1827% | 3,824 |
| Assets per employee ($millions) | 7.8881% | 685 |
| Cash dividends to net income (ytd only)* | 41.5110% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,346 |
| Loan loss allowance to noncurrent loans | 508.6257% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 3,208 |
| Noncurrent loans to loans | 0.2075% | 3,839 |
| Net loans and leases to total assets | 76.5647% | 1,506 |
| Net loans and leases to deposits | 87.1929% | 2,144 |
| Net loans and leases to core deposits | 103.5110% | 1,455 |
| Total domestic deposits to total assets | 87.8107% | 1,386 |
| Equity capital to assets | 11.4355% | 2,305 |
| Core capital (leverage) ratio | 11.4700% | 2,129 |
| Tier 1 risk-based capital ratio | 16.8129% | 2,130 |
| Total risk-based capital ratio | 17.9955% | 2,097 |
| Memoranda: | ||
| Average total assets | $420,517,200 | 1,627 |
| Average earning assets | $390,201,600 | 1,622 |
| Average equity | $46,960,800 | 1,599 |
| Average total loans | $327,872,600 | 1,490 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8474% | 1,307 |
| Cost of funding earning assets | 0.9549% | 732 |
| Net interest margin | 3.8925% | 2,332 |
| Noninterest income to average assets | 0.6107% | 2,255 |
| Noninterest expense to average assets | 2.5444% | 3,460 |
| Loan and lease loss provision to assets | 0.2545% | 617 |
| Net operating income to assets | 1.1299% | 2,532 |
| Return on assets (ROA) | 1.1299% | 2,543 |
| Pretax return on assets | 1.4206% | 2,155 |
| Return on Equity (ROE) | 10.1795% | 2,546 |
| Retained earnings to average equity (ytd only) | 4.4478% | 3,528 |
| Net charge-offs to loans | 0.2793% | 601 |
| Credit loss provision to net charge-offs | 116.6181% | 2,031 |
| Earnings coverage of net charge-offs (x) | 7.6764% | 2,784 |
| Efficiency ratio | 60.3015% | 3,774 |
| Assets per employee ($millions) | 7.7943% | 698 |
| Cash dividends to net income (ytd only)* | 56.3063% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 3,510 |
| Loan loss allowance to noncurrent loans | 374.4111% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 2,259 |
| Noncurrent loans to loans | 0.2787% | 3,687 |
| Net loans and leases to total assets | 77.3665% | 1,436 |
| Net loans and leases to deposits | 89.0725% | 2,010 |
| Net loans and leases to core deposits | 105.0977% | 1,369 |
| Total domestic deposits to total assets | 86.8579% | 1,792 |
| Equity capital to assets | 11.0118% | 2,654 |
| Core capital (leverage) ratio | 11.2648% | 2,363 |
| Tier 1 risk-based capital ratio | 16.1893% | 2,380 |
| Total risk-based capital ratio | 17.3625% | 2,345 |
| Memoranda: | ||
| Average total assets | $419,157,500 | 1,634 |
| Average earning assets | $388,599,000 | 1,636 |
| Average equity | $46,523,500 | 1,613 |
| Average total loans | $327,438,000 | 1,488 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 1,262 |
| Cost of funding earning assets | 0.9267% | 646 |
| Net interest margin | 3.8685% | 2,318 |
| Noninterest income to average assets | 0.6366% | 2,151 |
| Noninterest expense to average assets | 2.5698% | 3,416 |
| Loan and lease loss provision to assets | 0.2644% | 577 |
| Net operating income to assets | 1.1039% | 2,567 |
| Return on assets (ROA) | 1.1039% | 2,575 |
| Pretax return on assets | 1.3871% | 2,195 |
| Return on Equity (ROE) | 9.9188% | 2,599 |
| Retained earnings to average equity (ytd only) | 5.5988% | 2,770 |
| Net charge-offs to loans | 0.3127% | 512 |
| Credit loss provision to net charge-offs | 108.2677% | 1,912 |
| Earnings coverage of net charge-offs (x) | 6.7618% | 2,595 |
| Efficiency ratio | 60.8770% | 3,783 |
| Assets per employee ($millions) | 7.6769% | 715 |
| Cash dividends to net income (ytd only)* | 43.5540% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 3,564 |
| Loan loss allowance to noncurrent loans | 183.3512% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 2,071 |
| Noncurrent loans to loans | 0.5695% | 2,709 |
| Net loans and leases to total assets | 76.8787% | 1,489 |
| Net loans and leases to deposits | 89.8538% | 1,858 |
| Net loans and leases to core deposits | 105.1717% | 1,304 |
| Total domestic deposits to total assets | 85.5598% | 2,470 |
| Equity capital to assets | 11.1373% | 2,517 |
| Core capital (leverage) ratio | 11.3563% | 2,200 |
| Tier 1 risk-based capital ratio | 16.6480% | 2,212 |
| Total risk-based capital ratio | 17.8364% | 2,177 |
| Memoranda: | ||
| Average total assets | $415,982,000 | 1,656 |
| Average earning assets | $385,467,670 | 1,661 |
| Average equity | $46,296,000 | 1,625 |
| Average total loans | $324,865,670 | 1,502 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 1,262 |
| Cost of funding earning assets | 0.9004% | 590 |
| Net interest margin | 3.8194% | 2,339 |
| Noninterest income to average assets | 0.5397% | 2,576 |
| Noninterest expense to average assets | 2.5239% | 3,577 |
| Loan and lease loss provision to assets | 0.3391% | 362 |
| Net operating income to assets | 1.0512% | 2,642 |
| Return on assets (ROA) | 1.0512% | 2,654 |
| Pretax return on assets | 1.2111% | 2,706 |
| Return on Equity (ROE) | 9.4489% | 2,695 |
| Retained earnings to average equity (ytd only) | 0.7402% | 4,679 |
| Net charge-offs to loans | 0.0495% | 1,609 |
| Credit loss provision to net charge-offs | 875.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,066 |
| Efficiency ratio | 61.9501% | 3,792 |
| Assets per employee ($millions) | 7.5084% | 764 |
| Cash dividends to net income (ytd only)* | 92.1659% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 3,136 |
| Loan loss allowance to noncurrent loans | 141.9293% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 1,753 |
| Noncurrent loans to loans | 0.8037% | 2,201 |
| Net loans and leases to total assets | 77.5012% | 1,314 |
| Net loans and leases to deposits | 91.8957% | 1,462 |
| Net loans and leases to core deposits | 108.1601% | 1,112 |
| Total domestic deposits to total assets | 84.3360% | 3,177 |
| Equity capital to assets | 11.0897% | 2,498 |
| Core capital (leverage) ratio | 11.3832% | 2,098 |
| Tier 1 risk-based capital ratio | 16.3390% | 2,342 |
| Total risk-based capital ratio | 17.5910% | 2,288 |
| Memoranda: | ||
| Average total assets | $412,858,000 | 1,674 |
| Average earning assets | $382,045,500 | 1,687 |
| Average equity | $45,931,500 | 1,646 |
| Average total loans | $323,283,500 | 1,511 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6465% | 1,316 |
| Cost of funding earning assets | 0.8321% | 524 |
| Net interest margin | 3.8144% | 2,375 |
| Noninterest income to average assets | 0.8458% | 1,422 |
| Noninterest expense to average assets | 2.7038% | 3,113 |
| Loan and lease loss provision to assets | 0.1918% | 1,093 |
| Net operating income to assets | 0.8237% | 3,063 |
| Return on assets (ROA) | 0.8381% | 3,036 |
| Pretax return on assets | 1.4972% | 1,654 |
| Return on Equity (ROE) | 7.7028% | 2,948 |
| Retained earnings to average equity (ytd only) | 3.2962% | 3,328 |
| Net charge-offs to loans | 0.2647% | 984 |
| Credit loss provision to net charge-offs | 93.6768% | 2,721 |
| Earnings coverage of net charge-offs (x) | 8.1393% | 2,953 |
| Efficiency ratio | 61.8685% | 3,958 |
| Assets per employee ($millions) | 7.5047% | 768 |
| Cash dividends to net income (ytd only)* | 57.2082% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,636 |
| Loan loss allowance to noncurrent loans | 129.2096% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 2,041 |
| Noncurrent loans to loans | 0.8113% | 2,180 |
| Net loans and leases to total assets | 77.3922% | 1,365 |
| Net loans and leases to deposits | 93.1978% | 1,366 |
| Net loans and leases to core deposits | 110.4190% | 975 |
| Total domestic deposits to total assets | 83.0408% | 3,549 |
| Equity capital to assets | 11.1608% | 2,475 |
| Core capital (leverage) ratio | 11.1246% | 2,220 |
| Tier 1 risk-based capital ratio | 16.3674% | 2,311 |
| Total risk-based capital ratio | 17.5558% | 2,268 |
| Memoranda: | ||
| Average total assets | $417,110,400 | 1,646 |
| Average earning assets | $385,408,000 | 1,648 |
| Average equity | $45,386,000 | 1,652 |
| Average total loans | $322,580,200 | 1,473 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 1,374 |
| Cost of funding earning assets | 0.8121% | 531 |
| Net interest margin | 3.7857% | 2,452 |
| Noninterest income to average assets | 0.9026% | 1,264 |
| Noninterest expense to average assets | 2.7441% | 2,913 |
| Loan and lease loss provision to assets | 0.1913% | 1,010 |
| Net operating income to assets | 0.9730% | 2,675 |
| Return on assets (ROA) | 0.9928% | 2,637 |
| Pretax return on assets | 1.4943% | 1,787 |
| Return on Equity (ROE) | 9.1824% | 2,507 |
| Retained earnings to average equity (ytd only) | 3.2849% | 3,969 |
| Net charge-offs to loans | 0.3332% | 631 |
| Credit loss provision to net charge-offs | 74.4417% | 2,652 |
| Earnings coverage of net charge-offs (x) | 6.4429% | 2,987 |
| Efficiency ratio | 62.3696% | 3,828 |
| Assets per employee ($millions) | 7.2172% | 864 |
| Cash dividends to net income (ytd only)* | 64.2260% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 4,229 |
| Loan loss allowance to noncurrent loans | 125.3685% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.7790% | 2,186 |
| Noncurrent loans to loans | 0.7748% | 2,428 |
| Net loans and leases to total assets | 78.7162% | 1,162 |
| Net loans and leases to deposits | 98.3588% | 883 |
| Net loans and leases to core deposits | 116.7768% | 717 |
| Total domestic deposits to total assets | 80.0296% | 4,304 |
| Equity capital to assets | 10.9504% | 2,911 |
| Core capital (leverage) ratio | 10.8588% | 2,586 |
| Tier 1 risk-based capital ratio | 15.9862% | 2,516 |
| Total risk-based capital ratio | 17.1058% | 2,499 |
| Memoranda: | ||
| Average total assets | $418,199,000 | 1,654 |
| Average earning assets | $386,326,250 | 1,653 |
| Average equity | $45,215,750 | 1,671 |
| Average total loans | $322,519,000 | 1,483 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 1,436 |
| Cost of funding earning assets | 0.7789% | 585 |
| Net interest margin | 3.7519% | 2,462 |
| Noninterest income to average assets | 0.9357% | 1,165 |
| Noninterest expense to average assets | 2.8139% | 2,704 |
| Loan and lease loss provision to assets | 0.1435% | 1,421 |
| Net operating income to assets | 0.9577% | 2,620 |
| Return on assets (ROA) | 0.9577% | 2,680 |
| Pretax return on assets | 1.4371% | 1,870 |
| Return on Equity (ROE) | 8.8961% | 2,557 |
| Retained earnings to average equity (ytd only) | 4.4525% | 3,061 |
| Net charge-offs to loans | 0.0063% | 3,233 |
| Credit loss provision to net charge-offs | 3,000.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 330.4000% | 257 |
| Efficiency ratio | 64.0322% | 3,661 |
| Assets per employee ($millions) | 6.7822% | 1,022 |
| Cash dividends to net income (ytd only)* | 49.9500% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 3,431 |
| Loan loss allowance to noncurrent loans | 124.0599% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 2,138 |
| Noncurrent loans to loans | 0.9089% | 2,155 |
| Net loans and leases to total assets | 76.5091% | 1,468 |
| Net loans and leases to deposits | 98.9752% | 813 |
| Net loans and leases to core deposits | 118.1154% | 637 |
| Total domestic deposits to total assets | 77.3013% | 4,914 |
| Equity capital to assets | 10.7218% | 3,113 |
| Core capital (leverage) ratio | 11.0570% | 2,354 |
| Tier 1 risk-based capital ratio | 16.1369% | 2,447 |
| Total risk-based capital ratio | 17.3892% | 2,392 |
| Memoranda: | ||
| Average total assets | $418,067,000 | 1,651 |
| Average earning assets | $385,407,670 | 1,658 |
| Average equity | $45,008,330 | 1,681 |
| Average total loans | $319,114,000 | 1,492 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 1,458 |
| Cost of funding earning assets | 0.7459% | 670 |
| Net interest margin | 3.7187% | 2,424 |
| Noninterest income to average assets | 0.7594% | 1,710 |
| Noninterest expense to average assets | 2.7205% | 3,066 |
| Loan and lease loss provision to assets | 0.1500% | 1,239 |
| Net operating income to assets | 0.8639% | 2,928 |
| Return on assets (ROA) | 0.8639% | 2,976 |
| Pretax return on assets | 1.2993% | 2,238 |
| Return on Equity (ROE) | 8.0078% | 2,917 |
| Retained earnings to average equity (ytd only) | -0.9595% | 5,057 |
| Net charge-offs to loans | 0.0153% | 2,496 |
| Credit loss provision to net charge-offs | 1,291.6667% | 251 |
| Earnings coverage of net charge-offs (x) | 124.8333% | 438 |
| Efficiency ratio | 65.2436% | 3,628 |
| Assets per employee ($millions) | 6.6084% | 1,133 |
| Cash dividends to net income (ytd only)* | 111.9821% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 3,481 |
| Loan loss allowance to noncurrent loans | 126.4924% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.5677% | 999 |
| Noncurrent loans to loans | 0.8985% | 2,232 |
| Net loans and leases to total assets | 74.8185% | 1,613 |
| Net loans and leases to deposits | 95.0973% | 1,000 |
| Net loans and leases to core deposits | 113.4546% | 705 |
| Total domestic deposits to total assets | 78.6758% | 4,886 |
| Equity capital to assets | 10.7107% | 2,951 |
| Core capital (leverage) ratio | 11.0054% | 2,356 |
| Tier 1 risk-based capital ratio | 16.0188% | 2,541 |
| Total risk-based capital ratio | 17.2708% | 2,493 |
| Memoranda: | ||
| Average total assets | $413,460,500 | 1,681 |
| Average earning assets | $379,160,500 | 1,692 |
| Average equity | $44,606,500 | 1,696 |
| Average total loans | $313,353,000 | 1,515 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 1,431 |
| Cost of funding earning assets | 0.7216% | 738 |
| Net interest margin | 3.8143% | 2,263 |
| Noninterest income to average assets | 0.9599% | 1,239 |
| Noninterest expense to average assets | 2.8287% | 2,924 |
| Loan and lease loss provision to assets | 0.2045% | 1,114 |
| Net operating income to assets | 0.9856% | 2,412 |
| Return on assets (ROA) | 0.9856% | 2,514 |
| Pretax return on assets | 1.4581% | 1,724 |
| Return on Equity (ROE) | 8.5992% | 2,613 |
| Retained earnings to average equity (ytd only) | 1.7363% | 4,539 |
| Net charge-offs to loans | -0.0027% | 4,737 |
| Credit loss provision to net charge-offs | -9,750.0000% | 5,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9809% | 4,108 |
| Assets per employee ($millions) | 6.7310% | 1,040 |
| Cash dividends to net income (ytd only)* | 79.8085% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 3,692 |
| Loan loss allowance to noncurrent loans | 82.6442% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.0132% | 1,869 |
| Noncurrent loans to loans | 1.3349% | 1,539 |
| Net loans and leases to total assets | 75.0613% | 1,683 |
| Net loans and leases to deposits | 98.9927% | 740 |
| Net loans and leases to core deposits | 114.8422% | 662 |
| Total domestic deposits to total assets | 75.8251% | 5,259 |
| Equity capital to assets | 10.8675% | 2,744 |
| Core capital (leverage) ratio | 11.5084% | 1,921 |
| Tier 1 risk-based capital ratio | 16.5127% | 2,349 |
| Total risk-based capital ratio | 17.7645% | 2,284 |
| Memoranda: | ||
| Average total assets | $381,376,800 | 1,756 |
| Average earning assets | $353,092,800 | 1,756 |
| Average equity | $43,713,400 | 1,696 |
| Average total loans | $298,696,800 | 1,519 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5850% | 1,322 |
| Cost of funding earning assets | 0.7275% | 707 |
| Net interest margin | 3.8575% | 2,127 |
| Noninterest income to average assets | 1.0123% | 1,122 |
| Noninterest expense to average assets | 2.8696% | 2,743 |
| Loan and lease loss provision to assets | 0.1711% | 1,329 |
| Net operating income to assets | 1.0411% | 2,240 |
| Return on assets (ROA) | 1.0411% | 2,361 |
| Pretax return on assets | 1.5565% | 1,518 |
| Return on Equity (ROE) | 8.9558% | 2,510 |
| Retained earnings to average equity (ytd only) | -0.2422% | 5,404 |
| Net charge-offs to loans | -0.0027% | 4,519 |
| Credit loss provision to net charge-offs | -8,000.0000% | 5,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4205% | 4,154 |
| Assets per employee ($millions) | 6.3921% | 1,181 |
| Cash dividends to net income (ytd only)* | 102.7045% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 4,273 |
| Loan loss allowance to noncurrent loans | 278.7556% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 4,274 |
| Noncurrent loans to loans | 0.3677% | 3,945 |
| Net loans and leases to total assets | 77.6618% | 1,254 |
| Net loans and leases to deposits | 100.7010% | 663 |
| Net loans and leases to core deposits | 116.9375% | 615 |
| Total domestic deposits to total assets | 77.1212% | 5,062 |
| Equity capital to assets | 11.3380% | 2,670 |
| Core capital (leverage) ratio | 11.5069% | 2,027 |
| Tier 1 risk-based capital ratio | 17.1785% | 2,175 |
| Total risk-based capital ratio | 18.4024% | 2,139 |
| Memoranda: | ||
| Average total assets | $374,073,250 | 1,790 |
| Average earning assets | $347,646,500 | 1,792 |
| Average equity | $43,486,500 | 1,716 |
| Average total loans | $295,462,750 | 1,541 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 1,298 |
| Cost of funding earning assets | 0.7360% | 679 |
| Net interest margin | 3.8486% | 2,144 |
| Noninterest income to average assets | 0.9328% | 1,280 |
| Noninterest expense to average assets | 2.8965% | 2,686 |
| Loan and lease loss provision to assets | 0.0976% | 2,204 |
| Net operating income to assets | 1.0158% | 2,320 |
| Return on assets (ROA) | 1.0158% | 2,455 |
| Pretax return on assets | 1.5174% | 1,616 |
| Return on Equity (ROE) | 8.6621% | 2,662 |
| Retained earnings to average equity (ytd only) | -5.2121% | 5,751 |
| Net charge-offs to loans | -0.0103% | 4,703 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2024% | 3,985 |
| Assets per employee ($millions) | 6.4748% | 1,100 |
| Cash dividends to net income (ytd only)* | 160.1708% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,834 |
| Loan loss allowance to noncurrent loans | 2,517.6991% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 5,468 |
| Noncurrent loans to loans | 0.0370% | 5,320 |
| Net loans and leases to total assets | 79.1784% | 1,038 |
| Net loans and leases to deposits | 104.7109% | 427 |
| Net loans and leases to core deposits | 119.9007% | 514 |
| Total domestic deposits to total assets | 75.6162% | 5,339 |
| Equity capital to assets | 11.3504% | 2,693 |
| Core capital (leverage) ratio | 11.8051% | 1,767 |
| Tier 1 risk-based capital ratio | 16.6645% | 2,371 |
| Total risk-based capital ratio | 17.7706% | 2,365 |
| Memoranda: | ||
| Average total assets | $368,791,000 | 1,818 |
| Average earning assets | $342,933,330 | 1,816 |
| Average equity | $43,245,670 | 1,723 |
| Average total loans | $291,965,330 | 1,557 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5869% | 1,297 |
| Cost of funding earning assets | 0.7530% | 622 |
| Net interest margin | 3.8339% | 2,159 |
| Noninterest income to average assets | 0.8559% | 1,429 |
| Noninterest expense to average assets | 2.9256% | 2,616 |
| Loan and lease loss provision to assets | 0.0994% | 2,036 |
| Net operating income to assets | 0.9365% | 2,575 |
| Return on assets (ROA) | 0.9365% | 2,682 |
| Pretax return on assets | 1.3960% | 1,918 |
| Return on Equity (ROE) | 7.8539% | 3,004 |
| Retained earnings to average equity (ytd only) | -19.9312% | 5,967 |
| Net charge-offs to loans | -0.0126% | 4,633 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1754% | 3,772 |
| Assets per employee ($millions) | 6.2571% | 1,244 |
| Cash dividends to net income (ytd only)* | 353.7736% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 4,905 |
| Loan loss allowance to noncurrent loans | 1,255.2511% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 5,363 |
| Noncurrent loans to loans | 0.0749% | 5,178 |
| Net loans and leases to total assets | 79.8599% | 835 |
| Net loans and leases to deposits | 99.2286% | 673 |
| Net loans and leases to core deposits | 114.5148% | 648 |
| Total domestic deposits to total assets | 80.4807% | 4,639 |
| Equity capital to assets | 11.6080% | 2,339 |
| Core capital (leverage) ratio | 11.6402% | 1,875 |
| Tier 1 risk-based capital ratio | 16.7783% | 2,366 |
| Total risk-based capital ratio | 17.8778% | 2,377 |
| Memoranda: | ||
| Average total assets | $362,180,500 | 1,853 |
| Average earning assets | $336,784,000 | 1,844 |
| Average equity | $43,188,500 | 1,724 |
| Average total loans | $285,290,000 | 1,588 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5087% | 1,564 |
| Cost of funding earning assets | 0.7797% | 545 |
| Net interest margin | 3.7290% | 2,649 |
| Noninterest income to average assets | 0.9067% | 1,426 |
| Noninterest expense to average assets | 2.8407% | 3,067 |
| Loan and lease loss provision to assets | 0.0752% | 2,768 |
| Net operating income to assets | 0.9738% | 2,496 |
| Return on assets (ROA) | 0.9738% | 2,577 |
| Pretax return on assets | 1.4528% | 1,708 |
| Return on Equity (ROE) | 8.1032% | 2,900 |
| Retained earnings to average equity (ytd only) | 3.4873% | 3,576 |
| Net charge-offs to loans | -0.0050% | 4,979 |
| Credit loss provision to net charge-offs | -1,935.7143% | 5,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0244% | 4,079 |
| Assets per employee ($millions) | 6.2319% | 1,237 |
| Cash dividends to net income (ytd only)* | 56.9638% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 4,852 |
| Loan loss allowance to noncurrent loans | 1,068.5484% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 5,357 |
| Noncurrent loans to loans | 0.0892% | 5,138 |
| Net loans and leases to total assets | 76.1822% | 1,383 |
| Net loans and leases to deposits | 95.0724% | 1,108 |
| Net loans and leases to core deposits | 111.4033% | 799 |
| Total domestic deposits to total assets | 80.1308% | 4,712 |
| Equity capital to assets | 12.2424% | 1,783 |
| Core capital (leverage) ratio | 12.1057% | 1,556 |
| Tier 1 risk-based capital ratio | 18.3181% | 1,878 |
| Total risk-based capital ratio | 19.4186% | 1,883 |
| Memoranda: | ||
| Average total assets | $360,538,600 | 1,822 |
| Average earning assets | $334,728,200 | 1,811 |
| Average equity | $43,328,600 | 1,695 |
| Average total loans | $279,310,200 | 1,569 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 1,532 |
| Cost of funding earning assets | 0.7768% | 570 |
| Net interest margin | 3.7444% | 2,592 |
| Noninterest income to average assets | 0.9806% | 1,228 |
| Noninterest expense to average assets | 2.8497% | 3,009 |
| Loan and lease loss provision to assets | 0.0907% | 2,359 |
| Net operating income to assets | 1.0147% | 2,395 |
| Return on assets (ROA) | 1.0147% | 2,496 |
| Pretax return on assets | 1.5149% | 1,643 |
| Return on Equity (ROE) | 8.4827% | 2,832 |
| Retained earnings to average equity (ytd only) | 2.2955% | 4,739 |
| Net charge-offs to loans | -0.0014% | 4,675 |
| Credit loss provision to net charge-offs | -8,166.6667% | 5,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9618% | 4,257 |
| Assets per employee ($millions) | 6.0054% | 1,367 |
| Cash dividends to net income (ytd only)* | 72.9394% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 5,099 |
| Loan loss allowance to noncurrent loans | 904.1522% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 5,441 |
| Noncurrent loans to loans | 0.1023% | 5,227 |
| Net loans and leases to total assets | 76.4194% | 1,329 |
| Net loans and leases to deposits | 95.0761% | 1,086 |
| Net loans and leases to core deposits | 111.4431% | 791 |
| Total domestic deposits to total assets | 80.3771% | 4,645 |
| Equity capital to assets | 11.9249% | 2,163 |
| Core capital (leverage) ratio | 11.8259% | 1,795 |
| Tier 1 risk-based capital ratio | 17.8136% | 2,090 |
| Total risk-based capital ratio | 18.8901% | 2,101 |
| Memoranda: | ||
| Average total assets | $360,311,250 | 1,828 |
| Average earning assets | $334,359,250 | 1,828 |
| Average equity | $43,098,250 | 1,713 |
| Average total loans | $279,635,500 | 1,562 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 1,492 |
| Cost of funding earning assets | 0.7707% | 586 |
| Net interest margin | 3.7416% | 2,539 |
| Noninterest income to average assets | 0.9696% | 1,244 |
| Noninterest expense to average assets | 2.8540% | 3,052 |
| Loan and lease loss provision to assets | 0.1005% | 2,152 |
| Net operating income to assets | 0.9891% | 2,444 |
| Return on assets (ROA) | 0.9891% | 2,556 |
| Pretax return on assets | 1.4836% | 1,691 |
| Return on Equity (ROE) | 8.2605% | 2,911 |
| Retained earnings to average equity (ytd only) | -1.0629% | 5,703 |
| Net charge-offs to loans | 0.0215% | 3,233 |
| Credit loss provision to net charge-offs | 600.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 94.6000% | 620 |
| Efficiency ratio | 64.3064% | 4,306 |
| Assets per employee ($millions) | 6.1689% | 1,235 |
| Cash dividends to net income (ytd only)* | 112.8668% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 5,363 |
| Loan loss allowance to noncurrent loans | 3,143.7500% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 5,738 |
| Noncurrent loans to loans | 0.0280% | 5,645 |
| Net loans and leases to total assets | 76.3981% | 1,314 |
| Net loans and leases to deposits | 98.3733% | 764 |
| Net loans and leases to core deposits | 115.0536% | 623 |
| Total domestic deposits to total assets | 77.6614% | 5,345 |
| Equity capital to assets | 11.5535% | 2,369 |
| Core capital (leverage) ratio | 11.8050% | 1,772 |
| Tier 1 risk-based capital ratio | 17.9007% | 2,094 |
| Total risk-based capital ratio | 18.8549% | 2,138 |
| Memoranda: | ||
| Average total assets | $358,306,000 | 1,851 |
| Average earning assets | $332,160,330 | 1,851 |
| Average equity | $42,903,000 | 1,725 |
| Average total loans | $278,661,330 | 1,567 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 1,344 |
| Cost of funding earning assets | 0.7697% | 589 |
| Net interest margin | 3.7738% | 2,336 |
| Noninterest income to average assets | 1.0761% | 975 |
| Noninterest expense to average assets | 2.9637% | 2,692 |
| Loan and lease loss provision to assets | 0.1022% | 1,993 |
| Net operating income to assets | 1.0091% | 2,223 |
| Return on assets (ROA) | 1.0091% | 2,358 |
| Pretax return on assets | 1.5051% | 1,551 |
| Return on Equity (ROE) | 8.2750% | 2,818 |
| Retained earnings to average equity (ytd only) | -1.0332% | 5,562 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8373% | 4,339 |
| Assets per employee ($millions) | 6.3952% | 1,145 |
| Cash dividends to net income (ytd only)* | 112.4859% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 5,492 |
| Loan loss allowance to noncurrent loans | 1,705.5556% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 5,777 |
| Noncurrent loans to loans | 0.0517% | 5,572 |
| Net loans and leases to total assets | 77.0341% | 1,053 |
| Net loans and leases to deposits | 100.1208% | 556 |
| Net loans and leases to core deposits | 114.6827% | 555 |
| Total domestic deposits to total assets | 76.9411% | 5,622 |
| Equity capital to assets | 11.9836% | 2,038 |
| Core capital (leverage) ratio | 12.2850% | 1,468 |
| Tier 1 risk-based capital ratio | 18.2966% | 2,063 |
| Total risk-based capital ratio | 19.2439% | 2,090 |
| Memoranda: | ||
| Average total assets | $352,393,500 | 1,886 |
| Average earning assets | $326,359,000 | 1,889 |
| Average equity | $42,973,000 | 1,726 |
| Average total loans | $275,348,000 | 1,589 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7079% | 1,286 |
| Cost of funding earning assets | 0.7798% | 721 |
| Net interest margin | 3.9281% | 2,124 |
| Noninterest income to average assets | 0.7469% | 2,086 |
| Noninterest expense to average assets | 2.8064% | 3,454 |
| Loan and lease loss provision to assets | 0.0628% | 3,262 |
| Net operating income to assets | 1.0147% | 2,317 |
| Return on assets (ROA) | 1.0171% | 2,387 |
| Pretax return on assets | 1.5170% | 1,483 |
| Return on Equity (ROE) | 7.7413% | 3,249 |
| Retained earnings to average equity (ytd only) | 5.3527% | 2,368 |
| Net charge-offs to loans | 0.0612% | 3,621 |
| Credit loss provision to net charge-offs | 132.4503% | 1,798 |
| Earnings coverage of net charge-offs (x) | 33.2649% | 1,242 |
| Efficiency ratio | 64.0341% | 4,580 |
| Assets per employee ($millions) | 6.7972% | 923 |
| Cash dividends to net income (ytd only)* | 30.8547% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 5,570 |
| Loan loss allowance to noncurrent loans | 1,383.6257% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 5,832 |
| Noncurrent loans to loans | 0.0628% | 5,627 |
| Net loans and leases to total assets | 77.8844% | 1,015 |
| Net loans and leases to deposits | 106.5289% | 338 |
| Net loans and leases to core deposits | 122.6407% | 345 |
| Total domestic deposits to total assets | 73.1111% | 6,009 |
| Equity capital to assets | 12.4126% | 1,698 |
| Core capital (leverage) ratio | 12.3506% | 1,420 |
| Tier 1 risk-based capital ratio | 19.3231% | 1,769 |
| Total risk-based capital ratio | 20.2785% | 1,804 |
| Memoranda: | ||
| Average total assets | $318,663,800 | 2,040 |
| Average earning assets | $294,950,200 | 2,036 |
| Average equity | $41,866,600 | 1,717 |
| Average total loans | $246,792,200 | 1,707 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6998% | 1,306 |
| Cost of funding earning assets | 0.7784% | 773 |
| Net interest margin | 3.9214% | 2,152 |
| Noninterest income to average assets | 0.7683% | 2,021 |
| Noninterest expense to average assets | 2.8603% | 3,257 |
| Loan and lease loss provision to assets | 0.0513% | 3,350 |
| Net operating income to assets | 0.9952% | 2,466 |
| Return on assets (ROA) | 0.9955% | 2,536 |
| Pretax return on assets | 1.4845% | 1,695 |
| Return on Equity (ROE) | 7.4625% | 3,461 |
| Retained earnings to average equity (ytd only) | 4.2556% | 3,626 |
| Net charge-offs to loans | 0.0837% | 3,007 |
| Credit loss provision to net charge-offs | 79.4702% | 2,605 |
| Earnings coverage of net charge-offs (x) | 23.7680% | 1,573 |
| Efficiency ratio | 65.0706% | 4,359 |
| Assets per employee ($millions) | 6.5518% | 998 |
| Cash dividends to net income (ytd only)* | 42.9738% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 5,678 |
| Loan loss allowance to noncurrent loans | 2,115.7407% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 6,046 |
| Noncurrent loans to loans | 0.0413% | 5,850 |
| Net loans and leases to total assets | 76.1433% | 1,203 |
| Net loans and leases to deposits | 102.3644% | 482 |
| Net loans and leases to core deposits | 117.5649% | 450 |
| Total domestic deposits to total assets | 74.3845% | 5,984 |
| Equity capital to assets | 12.3252% | 1,810 |
| Core capital (leverage) ratio | 12.2915% | 1,517 |
| Tier 1 risk-based capital ratio | 19.6469% | 1,746 |
| Total risk-based capital ratio | 20.6020% | 1,789 |
| Memoranda: | ||
| Average total assets | $311,665,750 | 2,100 |
| Average earning assets | $288,288,000 | 2,093 |
| Average equity | $41,576,000 | 1,736 |
| Average total loans | $240,401,000 | 1,763 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7387% | 1,201 |
| Cost of funding earning assets | 0.7911% | 751 |
| Net interest margin | 3.9476% | 1,981 |
| Noninterest income to average assets | 0.7729% | 1,949 |
| Noninterest expense to average assets | 2.9140% | 3,114 |
| Loan and lease loss provision to assets | 0.0530% | 3,242 |
| Net operating income to assets | 0.9731% | 2,443 |
| Return on assets (ROA) | 0.9735% | 2,524 |
| Pretax return on assets | 1.4517% | 1,707 |
| Return on Equity (ROE) | 7.0950% | 3,577 |
| Retained earnings to average equity (ytd only) | 7.0950% | 1,721 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9571% | 4,372 |
| Assets per employee ($millions) | 6.4696% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 5,553 |
| Loan loss allowance to noncurrent loans | 1,254.9738% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 6,008 |
| Noncurrent loans to loans | 0.0759% | 5,795 |
| Net loans and leases to total assets | 75.5324% | 1,228 |
| Net loans and leases to deposits | 91.2078% | 1,247 |
| Net loans and leases to core deposits | 102.3575% | 1,114 |
| Total domestic deposits to total assets | 82.8135% | 4,377 |
| Equity capital to assets | 12.8177% | 1,479 |
| Core capital (leverage) ratio | 12.7442% | 1,267 |
| Tier 1 risk-based capital ratio | 20.3085% | 1,610 |
| Total risk-based capital ratio | 21.3461% | 1,635 |
| Memoranda: | ||
| Average total assets | $301,990,330 | 2,156 |
| Average earning assets | $278,851,330 | 2,148 |
| Average equity | $41,437,670 | 1,732 |
| Average total loans | $233,301,670 | 1,800 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 959 |
| Cost of funding earning assets | 0.8444% | 598 |
| Net interest margin | 4.0001% | 1,762 |
| Noninterest income to average assets | 0.8680% | 1,488 |
| Noninterest expense to average assets | 3.0638% | 2,643 |
| Loan and lease loss provision to assets | 0.0417% | 3,257 |
| Net operating income to assets | 0.9754% | 2,302 |
| Return on assets (ROA) | 0.9764% | 2,359 |
| Pretax return on assets | 1.4416% | 1,603 |
| Return on Equity (ROE) | 6.8568% | 3,553 |
| Retained earnings to average equity (ytd only) | 6.8568% | 2,110 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3999% | 4,297 |
| Assets per employee ($millions) | 5.8020% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 5,410 |
| Loan loss allowance to noncurrent loans | 872.4907% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 5,970 |
| Noncurrent loans to loans | 0.1178% | 5,766 |
| Net loans and leases to total assets | 77.8955% | 780 |
| Net loans and leases to deposits | 98.1399% | 534 |
| Net loans and leases to core deposits | 109.3961% | 611 |
| Total domestic deposits to total assets | 79.3719% | 5,617 |
| Equity capital to assets | 14.2482% | 848 |
| Core capital (leverage) ratio | 14.2185% | 751 |
| Tier 1 risk-based capital ratio | 22.1539% | 1,272 |
| Total risk-based capital ratio | 23.2698% | 1,267 |
| Memoranda: | ||
| Average total assets | $288,010,500 | 2,245 |
| Average earning assets | $264,792,000 | 2,252 |
| Average equity | $41,010,500 | 1,741 |
| Average total loans | $224,144,500 | 1,871 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0058% | 915 |
| Cost of funding earning assets | 0.9376% | 614 |
| Net interest margin | 4.0683% | 1,736 |
| Noninterest income to average assets | 0.9644% | 1,481 |
| Noninterest expense to average assets | 3.0568% | 2,878 |
| Loan and lease loss provision to assets | 0.1490% | 2,413 |
| Net operating income to assets | 1.0240% | 2,230 |
| Return on assets (ROA) | 1.0320% | 2,259 |
| Pretax return on assets | 1.5524% | 1,291 |
| Return on Equity (ROE) | 6.9180% | 3,605 |
| Retained earnings to average equity (ytd only) | -0.2361% | 5,924 |
| Net charge-offs to loans | 0.0129% | 5,197 |
| Credit loss provision to net charge-offs | 1,551.8519% | 160 |
| Earnings coverage of net charge-offs (x) | 175.8889% | 265 |
| Efficiency ratio | 64.4056% | 4,835 |
| Assets per employee ($millions) | 5.6063% | 1,557 |
| Cash dividends to net income (ytd only)* | 103.4126% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 5,329 |
| Loan loss allowance to noncurrent loans | 403.6585% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 5,695 |
| Noncurrent loans to loans | 0.2609% | 5,400 |
| Net loans and leases to total assets | 76.1225% | 1,055 |
| Net loans and leases to deposits | 96.2764% | 711 |
| Net loans and leases to core deposits | 107.1407% | 728 |
| Total domestic deposits to total assets | 79.0667% | 5,642 |
| Equity capital to assets | 14.2301% | 845 |
| Core capital (leverage) ratio | 14.1848% | 779 |
| Tier 1 risk-based capital ratio | 22.6586% | 1,152 |
| Total risk-based capital ratio | 23.7693% | 1,152 |
| Memoranda: | ||
| Average total assets | $281,114,000 | 2,263 |
| Average earning assets | $261,316,200 | 2,243 |
| Average equity | $41,934,000 | 1,675 |
| Average total loans | $209,152,800 | 1,933 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0327% | 876 |
| Cost of funding earning assets | 0.9481% | 653 |
| Net interest margin | 4.0847% | 1,676 |
| Noninterest income to average assets | 1.0360% | 1,357 |
| Noninterest expense to average assets | 3.0804% | 2,723 |
| Loan and lease loss provision to assets | 0.1886% | 1,945 |
| Net operating income to assets | 1.0414% | 2,219 |
| Return on assets (ROA) | 1.0417% | 2,299 |
| Pretax return on assets | 1.5743% | 1,406 |
| Return on Equity (ROE) | 6.9023% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.9023% | 1,924 |
| Net charge-offs to loans | 0.0097% | 4,951 |
| Credit loss provision to net charge-offs | 2,640.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 246.6605% | 241 |
| Efficiency ratio | 63.6078% | 4,867 |
| Assets per employee ($millions) | 5.6351% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 5,440 |
| Loan loss allowance to noncurrent loans | 437.5712% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 5,901 |
| Noncurrent loans to loans | 0.2447% | 5,620 |
| Net loans and leases to total assets | 72.7040% | 1,500 |
| Net loans and leases to deposits | 91.3054% | 1,035 |
| Net loans and leases to core deposits | 101.3617% | 1,037 |
| Total domestic deposits to total assets | 79.6273% | 5,599 |
| Equity capital to assets | 14.5783% | 798 |
| Core capital (leverage) ratio | 14.6226% | 706 |
| Tier 1 risk-based capital ratio | 24.1856% | 970 |
| Total risk-based capital ratio | 25.2950% | 978 |
| Memoranda: | ||
| Average total assets | $279,912,000 | 2,277 |
| Average earning assets | $260,872,000 | 2,248 |
| Average equity | $42,245,750 | 1,669 |
| Average total loans | $206,449,000 | 1,959 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 827 |
| Cost of funding earning assets | 0.9574% | 692 |
| Net interest margin | 4.1053% | 1,524 |
| Noninterest income to average assets | 1.1410% | 1,171 |
| Noninterest expense to average assets | 3.1502% | 2,509 |
| Loan and lease loss provision to assets | 0.2395% | 1,552 |
| Net operating income to assets | 1.0397% | 2,152 |
| Return on assets (ROA) | 1.0401% | 2,274 |
| Pretax return on assets | 1.5867% | 1,406 |
| Return on Equity (ROE) | 6.8095% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.8095% | 1,977 |
| Net charge-offs to loans | 0.0147% | 4,553 |
| Credit loss provision to net charge-offs | 2,200.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 167.6667% | 298 |
| Efficiency ratio | 63.3115% | 4,959 |
| Assets per employee ($millions) | 5.9064% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 5,602 |
| Loan loss allowance to noncurrent loans | 345.1464% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 5,787 |
| Noncurrent loans to loans | 0.3059% | 5,540 |
| Net loans and leases to total assets | 75.6154% | 1,028 |
| Net loans and leases to deposits | 98.8254% | 494 |
| Net loans and leases to core deposits | 110.3152% | 553 |
| Total domestic deposits to total assets | 76.5142% | 6,192 |
| Equity capital to assets | 15.2110% | 672 |
| Core capital (leverage) ratio | 15.1624% | 588 |
| Tier 1 risk-based capital ratio | 24.3766% | 952 |
| Total risk-based capital ratio | 25.4823% | 950 |
| Memoranda: | ||
| Average total assets | $275,541,000 | 2,318 |
| Average earning assets | $257,375,330 | 2,287 |
| Average equity | $42,088,330 | 1,678 |
| Average total loans | $203,483,000 | 1,986 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0972% | 744 |
| Cost of funding earning assets | 0.9618% | 736 |
| Net interest margin | 4.1354% | 1,360 |
| Noninterest income to average assets | 1.1205% | 1,187 |
| Noninterest expense to average assets | 3.0585% | 2,814 |
| Loan and lease loss provision to assets | 0.3118% | 1,092 |
| Net operating income to assets | 1.0885% | 1,904 |
| Return on assets (ROA) | 1.0885% | 2,013 |
| Pretax return on assets | 1.6160% | 1,266 |
| Return on Equity (ROE) | 7.1110% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.1110% | 2,104 |
| Net charge-offs to loans | 0.0301% | 3,611 |
| Credit loss provision to net charge-offs | 1,426.6667% | 229 |
| Earnings coverage of net charge-offs (x) | 88.2000% | 432 |
| Efficiency ratio | 61.3384% | 5,401 |
| Assets per employee ($millions) | 6.0079% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 5,801 |
| Loan loss allowance to noncurrent loans | 276.2029% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 5,735 |
| Noncurrent loans to loans | 0.3793% | 5,461 |
| Net loans and leases to total assets | 72.5848% | 1,269 |
| Net loans and leases to deposits | 98.4917% | 421 |
| Net loans and leases to core deposits | 110.0246% | 498 |
| Total domestic deposits to total assets | 73.6964% | 6,554 |
| Equity capital to assets | 15.2946% | 684 |
| Core capital (leverage) ratio | 15.0428% | 587 |
| Tier 1 risk-based capital ratio | 24.7857% | 915 |
| Total risk-based capital ratio | 25.8861% | 925 |
| Memoranda: | ||
| Average total assets | $274,510,500 | 2,350 |
| Average earning assets | $256,613,500 | 2,316 |
| Average equity | $42,019,500 | 1,701 |
| Average total loans | $199,149,500 | 2,033 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2052% | 1,108 |
| Cost of funding earning assets | 1.0993% | 911 |
| Net interest margin | 4.1059% | 1,980 |
| Noninterest income to average assets | 1.1797% | 1,132 |
| Noninterest expense to average assets | 2.9922% | 3,305 |
| Loan and lease loss provision to assets | 0.2977% | 2,299 |
| Net operating income to assets | 1.1868% | 1,649 |
| Return on assets (ROA) | 1.2676% | 1,552 |
| Pretax return on assets | 1.8582% | 811 |
| Return on Equity (ROE) | 7.7988% | 3,185 |
| Retained earnings to average equity (ytd only) | -3.5202% | 6,311 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4966% | 5,616 |
| Assets per employee ($millions) | 5.6803% | 1,535 |
| Cash dividends to net income (ytd only)* | 145.1379% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 6,015 |
| Loan loss allowance to noncurrent loans | 129.4553% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 5,113 |
| Noncurrent loans to loans | 0.7603% | 4,664 |
| Net loans and leases to total assets | 71.0239% | 1,643 |
| Net loans and leases to deposits | 97.0210% | 562 |
| Net loans and leases to core deposits | 106.9239% | 653 |
| Total domestic deposits to total assets | 73.2047% | 6,600 |
| Equity capital to assets | 15.3197% | 676 |
| Core capital (leverage) ratio | 14.9934% | 569 |
| Tier 1 risk-based capital ratio | 25.1738% | 831 |
| Total risk-based capital ratio | 26.2116% | 848 |
| Memoranda: | ||
| Average total assets | $271,771,400 | 2,329 |
| Average earning assets | $254,801,400 | 2,275 |
| Average equity | $44,173,600 | 1,582 |
| Average total loans | $176,816,000 | 2,239 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2167% | 1,158 |
| Cost of funding earning assets | 1.1290% | 946 |
| Net interest margin | 4.0877% | 2,134 |
| Noninterest income to average assets | 1.1818% | 1,086 |
| Noninterest expense to average assets | 3.0064% | 3,207 |
| Loan and lease loss provision to assets | 0.3403% | 1,925 |
| Net operating income to assets | 1.1450% | 1,925 |
| Return on assets (ROA) | 1.2137% | 1,868 |
| Pretax return on assets | 1.7676% | 1,128 |
| Return on Equity (ROE) | 7.3612% | 3,603 |
| Retained earnings to average equity (ytd only) | 7.3612% | 1,913 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9530% | 5,511 |
| Assets per employee ($millions) | 6.0080% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 6,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 68.0589% | 2,285 |
| Net loans and leases to deposits | 93.8207% | 804 |
| Net loans and leases to core deposits | 103.8767% | 874 |
| Total domestic deposits to total assets | 72.5414% | 6,715 |
| Equity capital to assets | 17.0857% | 449 |
| Core capital (leverage) ratio | 16.6570% | 408 |
| Tier 1 risk-based capital ratio | 29.0223% | 583 |
| Total risk-based capital ratio | 30.0355% | 591 |
| Memoranda: | ||
| Average total assets | $271,550,250 | 2,351 |
| Average earning assets | $254,611,750 | 2,301 |
| Average equity | $44,774,500 | 1,572 |
| Average total loans | $172,126,000 | 2,320 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1861% | 1,294 |
| Cost of funding earning assets | 1.1464% | 1,044 |
| Net interest margin | 4.0397% | 2,338 |
| Noninterest income to average assets | 1.1561% | 1,063 |
| Noninterest expense to average assets | 3.0477% | 3,100 |
| Loan and lease loss provision to assets | 0.4280% | 1,525 |
| Net operating income to assets | 1.0262% | 2,353 |
| Return on assets (ROA) | 1.0818% | 2,336 |
| Pretax return on assets | 1.5540% | 1,696 |
| Return on Equity (ROE) | 6.6408% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.6408% | 2,307 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5659% | 5,318 |
| Assets per employee ($millions) | 7.4137% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 6,365 |
| Loan loss allowance to noncurrent loans | 12,128.5714% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 6,849 |
| Noncurrent loans to loans | 0.0077% | 6,696 |
| Net loans and leases to total assets | 60.5806% | 3,718 |
| Net loans and leases to deposits | 79.3777% | 2,467 |
| Net loans and leases to core deposits | 86.3881% | 2,376 |
| Total domestic deposits to total assets | 76.3194% | 6,418 |
| Equity capital to assets | 15.2242% | 730 |
| Core capital (leverage) ratio | 14.8308% | 631 |
| Tier 1 risk-based capital ratio | 28.0556% | 641 |
| Total risk-based capital ratio | 28.9862% | 647 |
| Memoranda: | ||
| Average total assets | $271,947,000 | 2,358 |
| Average earning assets | $255,414,000 | 2,299 |
| Average equity | $44,301,670 | 1,576 |
| Average total loans | $167,563,670 | 2,377 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3785% | 944 |
| Cost of funding earning assets | 1.2263% | 866 |
| Net interest margin | 4.1522% | 1,929 |
| Noninterest income to average assets | 1.2694% | 880 |
| Noninterest expense to average assets | 3.2968% | 2,297 |
| Loan and lease loss provision to assets | 0.3328% | 1,879 |
| Net operating income to assets | 1.0553% | 2,266 |
| Return on assets (ROA) | 1.0553% | 2,459 |
| Pretax return on assets | 1.5313% | 1,795 |
| Return on Equity (ROE) | 6.2444% | 4,168 |
| Retained earnings to average equity (ytd only) | 6.2444% | 2,822 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8806% | 4,943 |
| Assets per employee ($millions) | 6.6658% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 6,751 |
| Loan loss allowance to noncurrent loans | 1,359.1837% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 6,815 |
| Noncurrent loans to loans | 0.0585% | 6,608 |
| Net loans and leases to total assets | 62.2825% | 3,197 |
| Net loans and leases to deposits | 86.5039% | 1,358 |
| Net loans and leases to core deposits | 94.5324% | 1,412 |
| Total domestic deposits to total assets | 71.9996% | 6,879 |
| Equity capital to assets | 16.5678% | 489 |
| Core capital (leverage) ratio | 16.0780% | 452 |
| Tier 1 risk-based capital ratio | 29.7995% | 528 |
| Total risk-based capital ratio | 30.5517% | 550 |
| Memoranda: | ||
| Average total assets | $259,647,000 | 2,482 |
| Average earning assets | $243,340,000 | 2,423 |
| Average equity | $43,879,000 | 1,586 |
| Average total loans | $160,671,500 | 2,474 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2698% | 1,803 |
| Cost of funding earning assets | 1.4674% | 810 |
| Net interest margin | 3.8023% | 3,804 |
| Noninterest income to average assets | 1.0115% | 1,336 |
| Noninterest expense to average assets | 3.0139% | 3,539 |
| Loan and lease loss provision to assets | 0.1769% | 4,421 |
| Net operating income to assets | 0.9720% | 2,314 |
| Return on assets (ROA) | 1.0680% | 2,071 |
| Pretax return on assets | 1.5181% | 1,419 |
| Return on Equity (ROE) | 5.7744% | 3,989 |
| Retained earnings to average equity (ytd only) | 5.7744% | 2,139 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9228% | 4,789 |
| Assets per employee ($millions) | 5.4927% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7249% | 6,869 |
| Loan loss allowance to noncurrent loans | 865.1163% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 6,833 |
| Noncurrent loans to loans | 0.0838% | 6,600 |
| Net loans and leases to total assets | 60.4879% | 3,895 |
| Net loans and leases to deposits | 83.8017% | 1,949 |
| Net loans and leases to core deposits | 86.8653% | 2,519 |
| Total domestic deposits to total assets | 72.1798% | 6,864 |
| Equity capital to assets | 17.2495% | 419 |
| Core capital (leverage) ratio | 16.8331% | 377 |
| Tier 1 risk-based capital ratio | 32.3994% | 412 |
| Total risk-based capital ratio | 33.0645% | 424 |
| Memoranda: | ||
| Average total assets | $228,374,000 | 2,745 |
| Average earning assets | $213,842,800 | 2,686 |
| Average equity | $42,238,400 | 1,593 |
| Average total loans | $131,337,600 | 2,963 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 2,374 |
| Cost of funding earning assets | 1.5058% | 840 |
| Net interest margin | 3.6473% | 4,582 |
| Noninterest income to average assets | 0.9950% | 1,354 |
| Noninterest expense to average assets | 3.0354% | 3,418 |
| Loan and lease loss provision to assets | 0.1295% | 4,812 |
| Net operating income to assets | 0.8842% | 2,804 |
| Return on assets (ROA) | 0.9962% | 2,486 |
| Pretax return on assets | 1.4017% | 1,942 |
| Return on Equity (ROE) | 5.2852% | 4,401 |
| Retained earnings to average equity (ytd only) | 5.2852% | 3,002 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8478% | 4,149 |
| Assets per employee ($millions) | 5.9210% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6786% | 6,995 |
| Loan loss allowance to noncurrent loans | 423.7443% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 6,830 |
| Noncurrent loans to loans | 0.1601% | 6,547 |
| Net loans and leases to total assets | 55.9499% | 4,850 |
| Net loans and leases to deposits | 77.8584% | 3,024 |
| Net loans and leases to core deposits | 80.4106% | 3,575 |
| Total domestic deposits to total assets | 71.8611% | 6,941 |
| Equity capital to assets | 17.8543% | 409 |
| Core capital (leverage) ratio | 17.2606% | 374 |
| Tier 1 risk-based capital ratio | 34.5450% | 368 |
| Total risk-based capital ratio | 35.1107% | 379 |
| Memoranda: | ||
| Average total assets | $222,302,000 | 2,819 |
| Average earning assets | $208,074,500 | 2,755 |
| Average equity | $41,902,250 | 1,609 |
| Average total loans | $125,685,500 | 3,085 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 2,601 |
| Cost of funding earning assets | 1.5325% | 887 |
| Net interest margin | 3.5844% | 4,775 |
| Noninterest income to average assets | 0.8539% | 1,788 |
| Noninterest expense to average assets | 3.0462% | 3,450 |
| Loan and lease loss provision to assets | 0.1207% | 4,770 |
| Net operating income to assets | 0.7313% | 3,381 |
| Return on assets (ROA) | 0.7889% | 3,245 |
| Pretax return on assets | 1.1398% | 2,696 |
| Return on Equity (ROE) | 4.1041% | 4,881 |
| Retained earnings to average equity (ytd only) | 4.1041% | 3,584 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1319% | 3,708 |
| Assets per employee ($millions) | 5.5013% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 7,101 |
| Loan loss allowance to noncurrent loans | 349.3776% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 6,827 |
| Noncurrent loans to loans | 0.1816% | 6,541 |
| Net loans and leases to total assets | 58.4753% | 4,547 |
| Net loans and leases to deposits | 85.2607% | 1,902 |
| Net loans and leases to core deposits | 88.1232% | 2,631 |
| Total domestic deposits to total assets | 68.5842% | 7,166 |
| Equity capital to assets | 18.6717% | 335 |
| Core capital (leverage) ratio | 18.1784% | 313 |
| Tier 1 risk-based capital ratio | 34.6678% | 360 |
| Total risk-based capital ratio | 35.1734% | 378 |
| Memoranda: | ||
| Average total assets | $215,482,670 | 2,905 |
| Average earning assets | $202,546,000 | 2,843 |
| Average equity | $41,422,000 | 1,619 |
| Average total loans | $121,996,670 | 3,191 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0139% | 3,045 |
| Cost of funding earning assets | 1.5444% | 1,003 |
| Net interest margin | 3.4694% | 5,147 |
| Noninterest income to average assets | 0.7812% | 2,108 |
| Noninterest expense to average assets | 3.0297% | 3,518 |
| Loan and lease loss provision to assets | 0.0684% | 5,136 |
| Net operating income to assets | 0.6443% | 3,780 |
| Return on assets (ROA) | 0.6443% | 3,856 |
| Pretax return on assets | 0.9751% | 3,223 |
| Return on Equity (ROE) | 3.3012% | 5,242 |
| Retained earnings to average equity (ytd only) | 3.3012% | 4,206 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3817% | 3,448 |
| Assets per employee ($millions) | 5.3771% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6392% | 7,157 |
| Loan loss allowance to noncurrent loans | 410.9890% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 6,947 |
| Noncurrent loans to loans | 0.1555% | 6,666 |
| Net loans and leases to total assets | 55.4488% | 5,087 |
| Net loans and leases to deposits | 81.6400% | 2,421 |
| Net loans and leases to core deposits | 84.6182% | 3,082 |
| Total domestic deposits to total assets | 67.9187% | 7,267 |
| Equity capital to assets | 19.6404% | 273 |
| Core capital (leverage) ratio | 19.2624% | 259 |
| Tier 1 risk-based capital ratio | 40.3207% | 234 |
| Total risk-based capital ratio | 40.8216% | 242 |
| Memoranda: | ||
| Average total assets | $210,446,500 | 2,983 |
| Average earning assets | $199,686,000 | 2,891 |
| Average equity | $41,075,500 | 1,625 |
| Average total loans | $116,627,000 | 3,323 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6160% | 1,834 |
| Cost of funding earning assets | 1.8914% | 872 |
| Net interest margin | 3.7246% | 4,251 |
| Noninterest income to average assets | 0.8745% | 1,955 |
| Noninterest expense to average assets | 3.1393% | 3,310 |
| Loan and lease loss provision to assets | 0.1384% | 5,796 |
| Net operating income to assets | 0.6071% | 3,638 |
| Return on assets (ROA) | 0.7740% | 3,035 |
| Pretax return on assets | 1.3470% | 1,810 |
| Return on Equity (ROE) | 4.3185% | 4,379 |
| Retained earnings to average equity (ytd only) | 4.3185% | 2,819 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9378% | 3,807 |
| Assets per employee ($millions) | 5.4151% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6126% | 7,246 |
| Loan loss allowance to noncurrent loans | 630.0885% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 7,097 |
| Noncurrent loans to loans | 0.0972% | 6,891 |
| Net loans and leases to total assets | 54.6977% | 5,540 |
| Net loans and leases to deposits | 80.9643% | 3,001 |
| Net loans and leases to core deposits | 83.2889% | 3,704 |
| Total domestic deposits to total assets | 67.5578% | 7,336 |
| Equity capital to assets | 19.3969% | 296 |
| Core capital (leverage) ratio | 18.9801% | 283 |
| Tier 1 risk-based capital ratio | 38.0109% | 275 |
| Total risk-based capital ratio | 38.4528% | 287 |
| Memoranda: | ||
| Average total assets | $187,079,400 | 3,270 |
| Average earning assets | $175,267,400 | 3,184 |
| Average equity | $33,530,400 | 1,971 |
| Average total loans | $95,185,400 | 3,917 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7476% | 1,557 |
| Cost of funding earning assets | 1.9800% | 801 |
| Net interest margin | 3.7676% | 4,104 |
| Noninterest income to average assets | 0.6959% | 2,839 |
| Noninterest expense to average assets | 3.1688% | 3,035 |
| Loan and lease loss provision to assets | 0.0795% | 6,251 |
| Net operating income to assets | 0.4862% | 4,379 |
| Return on assets (ROA) | 0.6775% | 3,673 |
| Pretax return on assets | 1.2666% | 2,274 |
| Return on Equity (ROE) | 3.8729% | 4,839 |
| Retained earnings to average equity (ytd only) | 3.8729% | 3,740 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1616% | 3,114 |
| Assets per employee ($millions) | 5.0926% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5278% | 7,428 |
| Loan loss allowance to noncurrent loans | 492.1053% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 7,198 |
| Noncurrent loans to loans | 0.1072% | 6,971 |
| Net loans and leases to total assets | 54.6394% | 5,752 |
| Net loans and leases to deposits | 81.2212% | 3,232 |
| Net loans and leases to core deposits | 83.7819% | 3,979 |
| Total domestic deposits to total assets | 67.2723% | 7,413 |
| Equity capital to assets | 16.8522% | 535 |
| Core capital (leverage) ratio | 16.0856% | 546 |
| Tier 1 risk-based capital ratio | 33.0584% | 407 |
| Total risk-based capital ratio | 33.6632% | 414 |
| Memoranda: | ||
| Average total assets | $181,052,250 | 3,408 |
| Average earning assets | $169,155,500 | 3,340 |
| Average equity | $31,672,000 | 2,089 |
| Average total loans | $89,925,000 | 4,120 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7467% | 1,563 |
| Cost of funding earning assets | 2.0325% | 817 |
| Net interest margin | 3.7142% | 4,297 |
| Noninterest income to average assets | 0.3889% | 5,003 |
| Noninterest expense to average assets | 3.2290% | 2,799 |
| Loan and lease loss provision to assets | 0.0407% | 6,560 |
| Net operating income to assets | 0.1489% | 5,725 |
| Return on assets (ROA) | 0.2770% | 5,422 |
| Pretax return on assets | 0.7903% | 3,915 |
| Return on Equity (ROE) | 1.5626% | 5,774 |
| Retained earnings to average equity (ytd only) | 1.5626% | 5,077 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6555% | 1,962 |
| Assets per employee ($millions) | 4.7526% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4736% | 7,536 |
| Loan loss allowance to noncurrent loans | 135.8333% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 6,910 |
| Noncurrent loans to loans | 0.3487% | 6,536 |
| Net loans and leases to total assets | 55.4427% | 5,793 |
| Net loans and leases to deposits | 86.3780% | 2,453 |
| Net loans and leases to core deposits | 89.1413% | 3,390 |
| Total domestic deposits to total assets | 64.1861% | 7,579 |
| Equity capital to assets | 17.3758% | 480 |
| Core capital (leverage) ratio | 16.4727% | 503 |
| Tier 1 risk-based capital ratio | 33.1319% | 394 |
| Total risk-based capital ratio | 33.6721% | 405 |
| Memoranda: | ||
| Average total assets | $176,897,000 | 3,487 |
| Average earning assets | $165,311,330 | 3,423 |
| Average equity | $31,358,670 | 2,106 |
| Average total loans | $84,467,330 | 4,307 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5669% | 2,298 |
| Cost of funding earning assets | 2.0734% | 878 |
| Net interest margin | 3.4935% | 5,186 |
| Noninterest income to average assets | 0.0278% | 7,570 |
| Noninterest expense to average assets | 3.1575% | 3,020 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.2803% | 6,643 |
| Return on assets (ROA) | -0.5699% | 6,907 |
| Pretax return on assets | -0.1367% | 6,494 |
| Return on Equity (ROE) | -3.1809% | 6,757 |
| Retained earnings to average equity (ytd only) | -3.1809% | 6,389 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3814% | 1,061 |
| Assets per employee ($millions) | 5.2169% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5778% | 7,528 |
| Loan loss allowance to noncurrent loans | 387.1795% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 7,313 |
| Noncurrent loans to loans | 0.1492% | 7,035 |
| Net loans and leases to total assets | 45.2741% | 6,892 |
| Net loans and leases to deposits | 74.8991% | 4,608 |
| Net loans and leases to core deposits | 77.6487% | 5,066 |
| Total domestic deposits to total assets | 60.4468% | 7,754 |
| Equity capital to assets | 17.9207% | 431 |
| Core capital (leverage) ratio | 17.3345% | 424 |
| Tier 1 risk-based capital ratio | 39.2203% | 264 |
| Total risk-based capital ratio | 39.8226% | 267 |
| Memoranda: | ||
| Average total assets | $172,670,500 | 3,616 |
| Average earning assets | $162,243,500 | 3,525 |
| Average equity | $30,935,000 | 2,147 |
| Average total loans | $75,075,000 | 4,675 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4197% | 4,593 |
| Cost of funding earning assets | 2.3771% | 1,375 |
| Net interest margin | 3.0425% | 6,535 |
| Noninterest income to average assets | 0.0214% | 7,618 |
| Noninterest expense to average assets | 2.3304% | 6,659 |
| Loan and lease loss provision to assets | 0.1509% | 6,158 |
| Net operating income to assets | 0.3116% | 4,493 |
| Return on assets (ROA) | 0.5639% | 3,547 |
| Pretax return on assets | 0.8543% | 3,073 |
| Return on Equity (ROE) | 2.9109% | 4,541 |
| Retained earnings to average equity (ytd only) | 2.9109% | 3,133 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9059% | 3,057 |
| Assets per employee ($millions) | 5.7728% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6313% | 7,511 |
| Loan loss allowance to noncurrent loans | 380.6723% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 7,324 |
| Noncurrent loans to loans | 0.1658% | 7,009 |
| Net loans and leases to total assets | 41.1709% | 7,291 |
| Net loans and leases to deposits | 73.3942% | 5,139 |
| Net loans and leases to core deposits | 101.1003% | 3,889 |
| Total domestic deposits to total assets | 56.0956% | 7,853 |
| Equity capital to assets | 17.9105% | 452 |
| Core capital (leverage) ratio | 17.3627% | 450 |
| Tier 1 risk-based capital ratio | 42.7641% | 211 |
| Total risk-based capital ratio | 43.4154% | 215 |
| Memoranda: | ||
| Average total assets | $159,068,400 | 3,788 |
| Average earning assets | $153,293,000 | 3,648 |
| Average equity | $30,815,400 | 2,176 |
| Average total loans | $48,492,600 | 5,739 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3783% | 5,056 |
| Cost of funding earning assets | 2.4597% | 1,413 |
| Net interest margin | 2.9186% | 6,807 |
| Noninterest income to average assets | 0.0197% | 7,774 |
| Noninterest expense to average assets | 2.1602% | 7,078 |
| Loan and lease loss provision to assets | 0.2057% | 5,341 |
| Net operating income to assets | 0.3151% | 4,741 |
| Return on assets (ROA) | 0.5058% | 4,047 |
| Pretax return on assets | 0.7663% | 3,641 |
| Return on Equity (ROE) | 2.5570% | 4,963 |
| Retained earnings to average equity (ytd only) | 2.5570% | 3,887 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9723% | 3,522 |
| Assets per employee ($millions) | 5.9964% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7185% | 7,327 |
| Loan loss allowance to noncurrent loans | 3,020.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 7,574 |
| Noncurrent loans to loans | 0.0238% | 7,461 |
| Net loans and leases to total assets | 38.6596% | 7,525 |
| Net loans and leases to deposits | 68.5621% | 6,082 |
| Net loans and leases to core deposits | 95.7181% | 4,836 |
| Total domestic deposits to total assets | 56.3862% | 7,919 |
| Equity capital to assets | 19.0330% | 417 |
| Core capital (leverage) ratio | 18.4123% | 426 |
| Tier 1 risk-based capital ratio | 47.9539% | 183 |
| Total risk-based capital ratio | 48.6919% | 186 |
| Memoranda: | ||
| Average total assets | $155,539,750 | 3,885 |
| Average earning assets | $150,478,000 | 3,714 |
| Average equity | $30,764,750 | 2,205 |
| Average total loans | $42,677,250 | 6,037 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2258% | 5,976 |
| Cost of funding earning assets | 2.5159% | 1,556 |
| Net interest margin | 2.7099% | 7,177 |
| Noninterest income to average assets | 0.0183% | 7,876 |
| Noninterest expense to average assets | 2.0832% | 7,307 |
| Loan and lease loss provision to assets | 0.3129% | 4,067 |
| Net operating income to assets | 0.1612% | 5,386 |
| Return on assets (ROA) | 0.4132% | 4,564 |
| Pretax return on assets | 0.6257% | 4,246 |
| Return on Equity (ROE) | 2.0619% | 5,277 |
| Retained earnings to average equity (ytd only) | 2.0619% | 4,195 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9136% | 3,207 |
| Assets per employee ($millions) | 6.7336% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 6,509 |
| Loan loss allowance to noncurrent loans | 133.5244% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 6,934 |
| Noncurrent loans to loans | 0.7186% | 5,800 |
| Net loans and leases to total assets | 31.0573% | 7,866 |
| Net loans and leases to deposits | 54.9439% | 7,224 |
| Net loans and leases to core deposits | 76.1675% | 6,663 |
| Total domestic deposits to total assets | 56.5254% | 7,998 |
| Equity capital to assets | 19.1920% | 441 |
| Core capital (leverage) ratio | 18.9264% | 425 |
| Tier 1 risk-based capital ratio | 53.9107% | 155 |
| Total risk-based capital ratio | 54.7722% | 156 |
| Memoranda: | ||
| Average total assets | $153,418,670 | 3,942 |
| Average earning assets | $148,417,330 | 3,775 |
| Average equity | $30,748,000 | 2,214 |
| Average total loans | $35,888,330 | 6,411 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2581% | 6,076 |
| Cost of funding earning assets | 2.5411% | 1,764 |
| Net interest margin | 2.7170% | 7,166 |
| Noninterest income to average assets | 0.0183% | 7,985 |
| Noninterest expense to average assets | 1.7473% | 7,766 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5940% | 4,040 |
| Return on assets (ROA) | 0.7911% | 3,329 |
| Pretax return on assets | 1.1998% | 2,628 |
| Return on Equity (ROE) | 3.8643% | 4,995 |
| Retained earnings to average equity (ytd only) | 3.8643% | 3,741 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9743% | 5,341 |
| Assets per employee ($millions) | 6.8005% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 7,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 19.8159% | 8,085 |
| Net loans and leases to deposits | 36.4509% | 7,934 |
| Net loans and leases to core deposits | 50.5326% | 7,775 |
| Total domestic deposits to total assets | 54.3633% | 8,066 |
| Equity capital to assets | 20.3520% | 398 |
| Core capital (leverage) ratio | 19.7347% | 409 |
| Tier 1 risk-based capital ratio | 70.1726% | 108 |
| Total risk-based capital ratio | 70.7167% | 108 |
| Memoranda: | ||
| Average total assets | $152,692,000 | 3,965 |
| Average earning assets | $147,810,000 | 3,794 |
| Average equity | $31,260,500 | 2,169 |
| Average total loans | $29,550,000 | 6,796 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3538% | 7,529 |
| Cost of funding earning assets | 2.9429% | 2,081 |
| Net interest margin | 2.4109% | 7,837 |
| Noninterest income to average assets | 0.0207% | 8,028 |
| Noninterest expense to average assets | 1.6989% | 7,869 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4237% | 5,060 |
| Return on assets (ROA) | 0.4660% | 4,702 |
| Pretax return on assets | 0.7048% | 4,387 |
| Return on Equity (ROE) | 2.2933% | 5,502 |
| Retained earnings to average equity (ytd only) | 2.2933% | 3,781 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6165% | 3,821 |
| Assets per employee ($millions) | 9.1631% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7733% | 7,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 18.6176% | 8,163 |
| Net loans and leases to deposits | 36.1988% | 8,022 |
| Net loans and leases to core deposits | 49.8942% | 7,890 |
| Total domestic deposits to total assets | 51.4316% | 8,113 |
| Equity capital to assets | 20.5891% | 434 |
| Core capital (leverage) ratio | 19.1106% | 503 |
| Tier 1 risk-based capital ratio | 68.9114% | 123 |
| Total risk-based capital ratio | 69.4513% | 125 |
| Memoranda: | ||
| Average total assets | $140,329,200 | 4,077 |
| Average earning assets | $134,969,800 | 3,953 |
| Average equity | $28,518,400 | 2,368 |
| Average total loans | $29,017,800 | 6,769 |