Home > The Hometown Savings Bank > Performance and Condition Ratios
The Hometown Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1787% | 3,665 |
| Cost of funding earning assets | 1.8772% | 1,111 |
| Net interest margin | 2.3014% | 4,262 |
| Noninterest income to average assets | 0.9400% | 704 |
| Noninterest expense to average assets | 3.2450% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.1006% | 4,429 |
| Return on assets (ROA) | -0.0992% | 4,411 |
| Pretax return on assets | -0.1867% | 4,421 |
| Return on Equity (ROE) | -2.4200% | 4,429 |
| Retained earnings to average equity (ytd only) | -4.6018% | 4,381 |
| Net charge-offs to loans | 0.0325% | 1,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -10.7089% | 4,553 |
| Efficiency ratio | 106.1680% | 134 |
| Assets per employee ($millions) | 4.0943% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 981 |
| Loan loss allowance to noncurrent loans | 236.2927% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 1,500 |
| Noncurrent loans to loans | 0.6473% | 1,210 |
| Net loans and leases to total assets | 55.8000% | 3,212 |
| Net loans and leases to deposits | 67.2729% | 3,087 |
| Net loans and leases to core deposits | 74.7816% | 3,040 |
| Total domestic deposits to total assets | 82.9500% | 2,902 |
| Equity capital to assets | 5.7989% | 4,274 |
| Core capital (leverage) ratio | 8.7892% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3287% | 1,436 |
| Memoranda: | ||
| Average total assets | $448,753,600 | 1,865 |
| Average earning assets | $411,830,800 | 1,870 |
| Average equity | $18,362,400 | 2,986 |
| Average total loans | $242,885,800 | 2,044 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 3,637 |
| Cost of funding earning assets | 1.7118% | 1,166 |
| Net interest margin | 2.4005% | 4,230 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 3.1600% | 858 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0187% | 4,364 |
| Return on assets (ROA) | 0.0206% | 4,385 |
| Pretax return on assets | -0.0674% | 4,433 |
| Return on Equity (ROE) | 0.5600% | 4,353 |
| Retained earnings to average equity (ytd only) | -2.6968% | 4,354 |
| Net charge-offs to loans | 0.0362% | 1,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -3.6000% | 4,579 |
| Efficiency ratio | 102.2569% | 149 |
| Assets per employee ($millions) | 4.0246% | 4,159 |
| Cash dividends to net income (ytd only)* | 579.7101% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6475% | 788 |
| Loan loss allowance to noncurrent loans | 291.9498% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 1,749 |
| Noncurrent loans to loans | 0.5643% | 1,423 |
| Net loans and leases to total assets | 55.3200% | 3,265 |
| Net loans and leases to deposits | 69.3955% | 2,878 |
| Net loans and leases to core deposits | 74.3549% | 2,974 |
| Total domestic deposits to total assets | 79.7100% | 3,568 |
| Equity capital to assets | 2.6983% | 4,511 |
| Core capital (leverage) ratio | 7.8736% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5976% | 1,684 |
| Memoranda: | ||
| Average total assets | $447,326,250 | 1,863 |
| Average earning assets | $410,953,000 | 1,868 |
| Average equity | $16,364,500 | 3,139 |
| Average total loans | $239,220,000 | 2,061 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 3,678 |
| Cost of funding earning assets | 1.4962% | 1,247 |
| Net interest margin | 2.5092% | 4,200 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 3.0597% | 957 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1717% | 4,311 |
| Return on assets (ROA) | 0.1752% | 4,328 |
| Pretax return on assets | 0.1286% | 4,376 |
| Return on Equity (ROE) | 4.4300% | 3,963 |
| Retained earnings to average equity (ytd only) | -0.0222% | 4,103 |
| Net charge-offs to loans | 0.0234% | 1,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 10.1429% | 1,997 |
| Efficiency ratio | 96.0736% | 222 |
| Assets per employee ($millions) | 4.0335% | 4,167 |
| Cash dividends to net income (ytd only)* | 100.5025% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 810 |
| Loan loss allowance to noncurrent loans | 294.4649% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 1,662 |
| Noncurrent loans to loans | 0.5651% | 1,325 |
| Net loans and leases to total assets | 54.6400% | 3,222 |
| Net loans and leases to deposits | 65.9148% | 3,061 |
| Net loans and leases to core deposits | 70.8812% | 3,072 |
| Total domestic deposits to total assets | 82.8900% | 3,071 |
| Equity capital to assets | 4.0143% | 4,501 |
| Core capital (leverage) ratio | 7.9345% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7789% | 1,628 |
| Memoranda: | ||
| Average total assets | $454,232,333 | 1,843 |
| Average earning assets | $418,382,000 | 1,846 |
| Average equity | $17,982,333 | 3,023 |
| Average total loans | $238,981,333 | 2,060 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9819% | 3,487 |
| Cost of funding earning assets | 1.3155% | 1,197 |
| Net interest margin | 2.6664% | 4,123 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 2.9522% | 1,144 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3273% | 4,207 |
| Return on assets (ROA) | 0.3342% | 4,154 |
| Pretax return on assets | 0.3316% | 4,231 |
| Return on Equity (ROE) | 8.5000% | 3,180 |
| Retained earnings to average equity (ytd only) | -0.2403% | 4,055 |
| Net charge-offs to loans | 0.0302% | 1,103 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,437 |
| Efficiency ratio | 90.0891% | 356 |
| Assets per employee ($millions) | 4.1667% | 4,183 |
| Cash dividends to net income (ytd only)* | 102.8278% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 836 |
| Loan loss allowance to noncurrent loans | 286.1230% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 1,561 |
| Noncurrent loans to loans | 0.5897% | 1,263 |
| Net loans and leases to total assets | 53.7800% | 3,217 |
| Net loans and leases to deposits | 62.7271% | 3,184 |
| Net loans and leases to core deposits | 66.9105% | 3,163 |
| Total domestic deposits to total assets | 85.7400% | 2,666 |
| Equity capital to assets | 4.4166% | 4,506 |
| Core capital (leverage) ratio | 7.3953% | 4,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8504% | 1,667 |
| Memoranda: | ||
| Average total assets | $465,558,000 | 1,834 |
| Average earning assets | $429,644,500 | 1,835 |
| Average equity | $18,311,000 | 3,027 |
| Average total loans | $238,577,500 | 2,075 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2488% | 3,719 |
| Cost of funding earning assets | 0.6438% | 744 |
| Net interest margin | 2.6050% | 4,166 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.9051% | 1,117 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.2387% | 4,419 |
| Return on assets (ROA) | 0.2466% | 4,392 |
| Pretax return on assets | 0.2019% | 4,445 |
| Return on Equity (ROE) | 4.9900% | 4,028 |
| Retained earnings to average equity (ytd only) | 4.9934% | 3,056 |
| Net charge-offs to loans | 0.0717% | 925 |
| Credit loss provision to net charge-offs | 143.7126% | 1,329 |
| Earnings coverage of net charge-offs (x) | 6.9880% | 2,320 |
| Efficiency ratio | 92.2484% | 259 |
| Assets per employee ($millions) | 4.7863% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 1,383 |
| Loan loss allowance to noncurrent loans | 219.7452% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 1,600 |
| Noncurrent loans to loans | 0.6539% | 1,138 |
| Net loans and leases to total assets | 47.5400% | 3,701 |
| Net loans and leases to deposits | 51.0922% | 3,855 |
| Net loans and leases to core deposits | 53.8065% | 3,817 |
| Total domestic deposits to total assets | 93.0400% | 397 |
| Equity capital to assets | 3.5122% | 4,568 |
| Core capital (leverage) ratio | 7.0400% | 4,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1217% | 1,932 |
| Memoranda: | ||
| Average total assets | $478,060,000 | 1,779 |
| Average earning assets | $445,489,200 | 1,771 |
| Average equity | $23,611,400 | 2,661 |
| Average total loans | $232,949,600 | 2,037 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0686% | 3,744 |
| Cost of funding earning assets | 0.4443% | 1,009 |
| Net interest margin | 2.6243% | 4,066 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.9496% | 973 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.2198% | 4,457 |
| Return on assets (ROA) | 0.2305% | 4,410 |
| Pretax return on assets | 0.1925% | 4,466 |
| Return on Equity (ROE) | 4.3400% | 4,096 |
| Retained earnings to average equity (ytd only) | 4.3377% | 3,339 |
| Net charge-offs to loans | 0.0311% | 1,215 |
| Credit loss provision to net charge-offs | 333.3333% | 763 |
| Earnings coverage of net charge-offs (x) | 15.2778% | 1,849 |
| Efficiency ratio | 92.6939% | 262 |
| Assets per employee ($millions) | 4.8274% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 1,409 |
| Loan loss allowance to noncurrent loans | 257.3843% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 1,853 |
| Noncurrent loans to loans | 0.5686% | 1,415 |
| Net loans and leases to total assets | 47.4400% | 3,674 |
| Net loans and leases to deposits | 51.5041% | 3,762 |
| Net loans and leases to core deposits | 53.8462% | 3,756 |
| Total domestic deposits to total assets | 92.1000% | 848 |
| Equity capital to assets | 2.9363% | 4,597 |
| Core capital (leverage) ratio | 7.6102% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4714% | 1,885 |
| Memoranda: | ||
| Average total assets | $473,131,000 | 1,803 |
| Average earning assets | $441,444,500 | 1,793 |
| Average equity | $25,143,500 | 2,616 |
| Average total loans | $231,165,750 | 2,045 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9655% | 3,643 |
| Cost of funding earning assets | 0.3432% | 1,333 |
| Net interest margin | 2.6222% | 3,867 |
| Noninterest income to average assets | 0.7259% | 1,244 |
| Noninterest expense to average assets | 2.9852% | 860 |
| Loan and lease loss provision to assets | 0.0516% | 1,657 |
| Net operating income to assets | 0.1888% | 4,434 |
| Return on assets (ROA) | 0.1892% | 4,396 |
| Pretax return on assets | 0.1402% | 4,459 |
| Return on Equity (ROE) | 3.0707% | 4,201 |
| Retained earnings to average equity (ytd only) | 3.0707% | 3,420 |
| Net charge-offs to loans | 0.0263% | 1,189 |
| Credit loss provision to net charge-offs | 400.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 14.8333% | 1,646 |
| Efficiency ratio | 93.9759% | 288 |
| Assets per employee ($millions) | 4.0893% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 1,376 |
| Loan loss allowance to noncurrent loans | 240.5968% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 1,723 |
| Noncurrent loans to loans | 0.6277% | 1,352 |
| Net loans and leases to total assets | 50.2678% | 3,341 |
| Net loans and leases to deposits | 56.7214% | 3,325 |
| Net loans and leases to core deposits | 58.4004% | 3,397 |
| Total domestic deposits to total assets | 88.6222% | 2,326 |
| Equity capital to assets | 4.8014% | 4,518 |
| Core capital (leverage) ratio | 7.4810% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6305% | 1,824 |
| Memoranda: | ||
| Average total assets | $465,101,000 | 1,830 |
| Average earning assets | $434,669,000 | 1,827 |
| Average equity | $28,658,000 | 2,486 |
| Average total loans | $228,434,000 | 2,059 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8251% | 3,700 |
| Cost of funding earning assets | 0.3393% | 1,294 |
| Net interest margin | 2.4859% | 3,928 |
| Noninterest income to average assets | 0.7108% | 1,280 |
| Noninterest expense to average assets | 2.9479% | 886 |
| Loan and lease loss provision to assets | 0.0508% | 1,462 |
| Net operating income to assets | 0.1083% | 4,458 |
| Return on assets (ROA) | 0.1092% | 4,426 |
| Pretax return on assets | 0.0440% | 4,493 |
| Return on Equity (ROE) | 1.6031% | 4,325 |
| Retained earnings to average equity (ytd only) | 1.6031% | 3,655 |
| Net charge-offs to loans | 0.0228% | 1,096 |
| Credit loss provision to net charge-offs | 461.5385% | 543 |
| Earnings coverage of net charge-offs (x) | 8.5385% | 1,510 |
| Efficiency ratio | 96.9124% | 303 |
| Assets per employee ($millions) | 4.5398% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,546 |
| Loan loss allowance to noncurrent loans | 275.9065% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 2,104 |
| Noncurrent loans to loans | 0.5439% | 1,680 |
| Net loans and leases to total assets | 47.1472% | 3,474 |
| Net loans and leases to deposits | 54.1949% | 3,404 |
| Net loans and leases to core deposits | 55.7855% | 3,464 |
| Total domestic deposits to total assets | 86.9956% | 2,929 |
| Equity capital to assets | 5.7701% | 4,623 |
| Core capital (leverage) ratio | 7.4946% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1705% | 2,129 |
| Memoranda: | ||
| Average total assets | $472,740,000 | 1,818 |
| Average earning assets | $443,304,500 | 1,814 |
| Average equity | $32,188,000 | 2,379 |
| Average total loans | $227,859,500 | 2,061 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8988% | 4,056 |
| Cost of funding earning assets | 0.4253% | 1,357 |
| Net interest margin | 2.4734% | 4,225 |
| Noninterest income to average assets | 0.9545% | 1,087 |
| Noninterest expense to average assets | 2.7433% | 1,503 |
| Loan and lease loss provision to assets | 0.0779% | 1,565 |
| Net operating income to assets | 0.4333% | 4,215 |
| Return on assets (ROA) | 0.4356% | 4,257 |
| Pretax return on assets | 0.4425% | 4,341 |
| Return on Equity (ROE) | 5.4872% | 3,886 |
| Retained earnings to average equity (ytd only) | 5.4872% | 2,570 |
| Net charge-offs to loans | 0.1100% | 805 |
| Credit loss provision to net charge-offs | 145.7490% | 1,511 |
| Earnings coverage of net charge-offs (x) | 9.6964% | 2,251 |
| Efficiency ratio | 84.1159% | 565 |
| Assets per employee ($millions) | 4.4647% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 1,616 |
| Loan loss allowance to noncurrent loans | 222.6104% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 1,892 |
| Noncurrent loans to loans | 0.6667% | 1,500 |
| Net loans and leases to total assets | 47.8193% | 3,510 |
| Net loans and leases to deposits | 56.5931% | 3,375 |
| Net loans and leases to core deposits | 59.0365% | 3,389 |
| Total domestic deposits to total assets | 84.4967% | 3,424 |
| Equity capital to assets | 7.8650% | 4,436 |
| Core capital (leverage) ratio | 7.8944% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2927% | 2,129 |
| Memoranda: | ||
| Average total assets | $462,326,800 | 1,805 |
| Average earning assets | $431,181,800 | 1,799 |
| Average equity | $36,703,800 | 2,216 |
| Average total loans | $224,640,000 | 2,080 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9458% | 4,092 |
| Cost of funding earning assets | 0.4481% | 1,364 |
| Net interest margin | 2.4976% | 4,279 |
| Noninterest income to average assets | 1.0065% | 1,061 |
| Noninterest expense to average assets | 2.7134% | 1,554 |
| Loan and lease loss provision to assets | 0.0868% | 1,368 |
| Net operating income to assets | 0.4847% | 4,236 |
| Return on assets (ROA) | 0.4876% | 4,274 |
| Pretax return on assets | 0.5337% | 4,330 |
| Return on Equity (ROE) | 6.1279% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.1279% | 2,768 |
| Net charge-offs to loans | 0.1262% | 628 |
| Credit loss provision to net charge-offs | 141.5094% | 1,383 |
| Earnings coverage of net charge-offs (x) | 10.0613% | 2,052 |
| Efficiency ratio | 81.4667% | 669 |
| Assets per employee ($millions) | 4.3061% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5378% | 1,500 |
| Loan loss allowance to noncurrent loans | 200.3586% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 1,978 |
| Noncurrent loans to loans | 0.7675% | 1,472 |
| Net loans and leases to total assets | 47.0195% | 3,714 |
| Net loans and leases to deposits | 56.4461% | 3,542 |
| Net loans and leases to core deposits | 59.7463% | 3,485 |
| Total domestic deposits to total assets | 83.2998% | 3,635 |
| Equity capital to assets | 8.0511% | 4,496 |
| Core capital (leverage) ratio | 7.6853% | 4,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7333% | 2,077 |
| Memoranda: | ||
| Average total assets | $460,709,500 | 1,823 |
| Average earning assets | $428,715,500 | 1,828 |
| Average equity | $36,662,000 | 2,248 |
| Average total loans | $223,912,000 | 2,117 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8972% | 4,230 |
| Cost of funding earning assets | 0.4690% | 1,389 |
| Net interest margin | 2.4282% | 4,396 |
| Noninterest income to average assets | 0.9867% | 1,096 |
| Noninterest expense to average assets | 2.6702% | 1,664 |
| Loan and lease loss provision to assets | 0.1039% | 1,215 |
| Net operating income to assets | 0.4301% | 4,332 |
| Return on assets (ROA) | 0.4345% | 4,370 |
| Pretax return on assets | 0.4691% | 4,429 |
| Return on Equity (ROE) | 5.4814% | 4,038 |
| Retained earnings to average equity (ytd only) | 5.4814% | 3,003 |
| Net charge-offs to loans | 0.1735% | 485 |
| Credit loss provision to net charge-offs | 122.4490% | 1,248 |
| Earnings coverage of net charge-offs (x) | 6.6990% | 1,947 |
| Efficiency ratio | 82.4536% | 638 |
| Assets per employee ($millions) | 4.4458% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 1,639 |
| Loan loss allowance to noncurrent loans | 144.4541% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 1,706 |
| Noncurrent loans to loans | 1.0289% | 1,194 |
| Net loans and leases to total assets | 46.9710% | 3,827 |
| Net loans and leases to deposits | 56.4856% | 3,682 |
| Net loans and leases to core deposits | 60.7151% | 3,569 |
| Total domestic deposits to total assets | 83.1557% | 3,673 |
| Equity capital to assets | 7.9618% | 4,557 |
| Core capital (leverage) ratio | 7.6180% | 4,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2195% | 2,282 |
| Memoranda: | ||
| Average total assets | $462,129,667 | 1,812 |
| Average earning assets | $428,546,000 | 1,822 |
| Average equity | $36,633,000 | 2,245 |
| Average total loans | $225,892,000 | 2,118 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8183% | 4,360 |
| Cost of funding earning assets | 0.4944% | 1,421 |
| Net interest margin | 2.3238% | 4,500 |
| Noninterest income to average assets | 1.1040% | 975 |
| Noninterest expense to average assets | 2.6386% | 1,770 |
| Loan and lease loss provision to assets | 0.1044% | 1,306 |
| Net operating income to assets | 0.4541% | 4,262 |
| Return on assets (ROA) | 0.4628% | 4,286 |
| Pretax return on assets | 0.5089% | 4,333 |
| Return on Equity (ROE) | 5.8515% | 3,898 |
| Retained earnings to average equity (ytd only) | 5.8515% | 2,944 |
| Net charge-offs to loans | 0.0879% | 754 |
| Credit loss provision to net charge-offs | 240.0000% | 832 |
| Earnings coverage of net charge-offs (x) | 13.8800% | 1,385 |
| Efficiency ratio | 81.3791% | 736 |
| Assets per employee ($millions) | 4.6192% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 1,701 |
| Loan loss allowance to noncurrent loans | 130.6426% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 1,712 |
| Noncurrent loans to loans | 1.1256% | 1,191 |
| Net loans and leases to total assets | 48.3615% | 3,775 |
| Net loans and leases to deposits | 58.5050% | 3,597 |
| Net loans and leases to core deposits | 64.6401% | 3,352 |
| Total domestic deposits to total assets | 82.6622% | 3,770 |
| Equity capital to assets | 7.7324% | 4,620 |
| Core capital (leverage) ratio | 7.7435% | 4,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9205% | 2,316 |
| Memoranda: | ||
| Average total assets | $459,792,000 | 1,808 |
| Average earning assets | $423,097,500 | 1,830 |
| Average equity | $36,366,500 | 2,241 |
| Average total loans | $227,552,500 | 2,107 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4690% | 4,079 |
| Cost of funding earning assets | 0.7119% | 1,664 |
| Net interest margin | 2.7571% | 4,313 |
| Noninterest income to average assets | 1.0258% | 1,000 |
| Noninterest expense to average assets | 3.0452% | 1,339 |
| Loan and lease loss provision to assets | 0.1057% | 3,014 |
| Net operating income to assets | 0.3997% | 4,245 |
| Return on assets (ROA) | 0.3995% | 4,327 |
| Pretax return on assets | 0.4171% | 4,392 |
| Return on Equity (ROE) | 4.4767% | 4,035 |
| Retained earnings to average equity (ytd only) | 4.4767% | 2,547 |
| Net charge-offs to loans | 0.0188% | 2,700 |
| Credit loss provision to net charge-offs | 954.5455% | 805 |
| Earnings coverage of net charge-offs (x) | 47.2273% | 1,255 |
| Efficiency ratio | 85.3404% | 554 |
| Assets per employee ($millions) | 4.3588% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 1,855 |
| Loan loss allowance to noncurrent loans | 136.3409% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 1,982 |
| Noncurrent loans to loans | 1.0482% | 1,357 |
| Net loans and leases to total assets | 49.1880% | 3,892 |
| Net loans and leases to deposits | 60.6173% | 3,714 |
| Net loans and leases to core deposits | 67.3304% | 3,453 |
| Total domestic deposits to total assets | 81.1451% | 3,841 |
| Equity capital to assets | 8.0879% | 4,668 |
| Core capital (leverage) ratio | 8.1071% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7317% | 2,341 |
| Memoranda: | ||
| Average total assets | $397,242,600 | 1,875 |
| Average earning assets | $366,325,800 | 1,885 |
| Average equity | $35,450,400 | 2,214 |
| Average total loans | $234,555,400 | 2,001 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5688% | 4,086 |
| Cost of funding earning assets | 0.7523% | 1,732 |
| Net interest margin | 2.8166% | 4,317 |
| Noninterest income to average assets | 1.0219% | 993 |
| Noninterest expense to average assets | 3.1496% | 1,155 |
| Loan and lease loss provision to assets | 0.1047% | 3,010 |
| Net operating income to assets | 0.3660% | 4,331 |
| Return on assets (ROA) | 0.3657% | 4,391 |
| Pretax return on assets | 0.3814% | 4,454 |
| Return on Equity (ROE) | 3.9856% | 4,157 |
| Retained earnings to average equity (ytd only) | 3.9856% | 3,053 |
| Net charge-offs to loans | 0.0215% | 2,426 |
| Credit loss provision to net charge-offs | 789.4737% | 991 |
| Earnings coverage of net charge-offs (x) | 36.6842% | 1,426 |
| Efficiency ratio | 86.6232% | 471 |
| Assets per employee ($millions) | 3.7894% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 2,163 |
| Loan loss allowance to noncurrent loans | 160.5505% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 2,321 |
| Noncurrent loans to loans | 0.8087% | 1,805 |
| Net loans and leases to total assets | 56.9335% | 3,531 |
| Net loans and leases to deposits | 72.7596% | 3,065 |
| Net loans and leases to core deposits | 80.5376% | 2,798 |
| Total domestic deposits to total assets | 78.2487% | 4,159 |
| Equity capital to assets | 8.6016% | 4,403 |
| Core capital (leverage) ratio | 8.2556% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5994% | 2,365 |
| Memoranda: | ||
| Average total assets | $382,136,000 | 1,899 |
| Average earning assets | $354,654,500 | 1,905 |
| Average equity | $35,059,000 | 2,219 |
| Average total loans | $236,098,750 | 1,990 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7229% | 4,037 |
| Cost of funding earning assets | 0.7907% | 1,869 |
| Net interest margin | 2.9323% | 4,257 |
| Noninterest income to average assets | 0.9428% | 1,082 |
| Noninterest expense to average assets | 3.2417% | 1,086 |
| Loan and lease loss provision to assets | 0.0975% | 3,057 |
| Net operating income to assets | 0.3168% | 4,389 |
| Return on assets (ROA) | 0.3163% | 4,439 |
| Pretax return on assets | 0.3184% | 4,516 |
| Return on Equity (ROE) | 3.3674% | 4,271 |
| Retained earnings to average equity (ytd only) | 3.3674% | 3,241 |
| Net charge-offs to loans | 0.0171% | 2,382 |
| Credit loss provision to net charge-offs | 900.0000% | 850 |
| Earnings coverage of net charge-offs (x) | 38.4500% | 1,277 |
| Efficiency ratio | 88.6158% | 427 |
| Assets per employee ($millions) | 4.1060% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,111 |
| Loan loss allowance to noncurrent loans | 105.1034% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 1,740 |
| Noncurrent loans to loans | 1.2162% | 1,292 |
| Net loans and leases to total assets | 57.3302% | 3,573 |
| Net loans and leases to deposits | 73.6171% | 3,113 |
| Net loans and leases to core deposits | 80.0122% | 2,943 |
| Total domestic deposits to total assets | 77.8763% | 4,201 |
| Equity capital to assets | 8.6764% | 4,368 |
| Core capital (leverage) ratio | 8.8020% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6869% | 2,321 |
| Memoranda: | ||
| Average total assets | $369,308,333 | 1,923 |
| Average earning assets | $341,988,667 | 1,936 |
| Average equity | $34,685,333 | 2,224 |
| Average total loans | $233,924,000 | 1,988 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 3,611 |
| Cost of funding earning assets | 0.8747% | 1,992 |
| Net interest margin | 3.1923% | 3,876 |
| Noninterest income to average assets | 1.0038% | 853 |
| Noninterest expense to average assets | 3.4669% | 983 |
| Loan and lease loss provision to assets | 0.0688% | 2,890 |
| Net operating income to assets | 0.3889% | 4,161 |
| Return on assets (ROA) | 0.3878% | 4,199 |
| Pretax return on assets | 0.4061% | 4,282 |
| Return on Equity (ROE) | 3.9514% | 3,964 |
| Retained earnings to average equity (ytd only) | 3.9514% | 2,700 |
| Net charge-offs to loans | 0.0242% | 1,884 |
| Credit loss provision to net charge-offs | 428.5714% | 958 |
| Earnings coverage of net charge-offs (x) | 29.6429% | 1,190 |
| Efficiency ratio | 87.9255% | 589 |
| Assets per employee ($millions) | 3.4697% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 2,175 |
| Loan loss allowance to noncurrent loans | 144.6746% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 2,250 |
| Noncurrent loans to loans | 0.8938% | 1,826 |
| Net loans and leases to total assets | 64.5507% | 2,997 |
| Net loans and leases to deposits | 83.6272% | 2,272 |
| Net loans and leases to core deposits | 92.1313% | 2,142 |
| Total domestic deposits to total assets | 77.1886% | 4,327 |
| Equity capital to assets | 10.0403% | 3,745 |
| Core capital (leverage) ratio | 9.2503% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1988% | 2,195 |
| Memoranda: | ||
| Average total assets | $348,665,000 | 1,965 |
| Average earning assets | $321,023,000 | 1,971 |
| Average equity | $34,215,500 | 2,235 |
| Average total loans | $231,664,500 | 1,980 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 3,614 |
| Cost of funding earning assets | 0.8923% | 2,224 |
| Net interest margin | 3.3806% | 3,797 |
| Noninterest income to average assets | 0.9173% | 1,150 |
| Noninterest expense to average assets | 3.5379% | 915 |
| Loan and lease loss provision to assets | 0.0355% | 3,297 |
| Net operating income to assets | 0.4365% | 4,528 |
| Return on assets (ROA) | 0.4348% | 4,564 |
| Pretax return on assets | 0.4555% | 4,636 |
| Return on Equity (ROE) | 4.5695% | 4,332 |
| Retained earnings to average equity (ytd only) | 3.9478% | 2,989 |
| Net charge-offs to loans | 0.0526% | 2,358 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 13.8833% | 2,321 |
| Efficiency ratio | 87.7734% | 453 |
| Assets per employee ($millions) | 3.2744% | 4,662 |
| Cash dividends to net income (ytd only)* | 13.6054% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,314 |
| Loan loss allowance to noncurrent loans | 151.6807% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.5492% | 2,245 |
| Noncurrent loans to loans | 0.8053% | 1,900 |
| Net loans and leases to total assets | 66.6558% | 2,880 |
| Net loans and leases to deposits | 85.7163% | 2,133 |
| Net loans and leases to core deposits | 94.1943% | 2,043 |
| Total domestic deposits to total assets | 77.7633% | 4,396 |
| Equity capital to assets | 9.5885% | 4,282 |
| Core capital (leverage) ratio | 9.3794% | 4,191 |
| Tier 1 risk-based capital ratio | 12.6837% | 3,958 |
| Total risk-based capital ratio | 13.8326% | 3,904 |
| Memoranda: | ||
| Average total assets | $338,056,200 | 1,951 |
| Average earning assets | $311,331,400 | 1,962 |
| Average equity | $32,170,000 | 2,293 |
| Average total loans | $227,938,000 | 1,971 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 3,622 |
| Cost of funding earning assets | 0.8949% | 2,255 |
| Net interest margin | 3.4180% | 3,811 |
| Noninterest income to average assets | 0.8804% | 1,187 |
| Noninterest expense to average assets | 3.5882% | 859 |
| Loan and lease loss provision to assets | 0.0358% | 3,174 |
| Net operating income to assets | 0.4000% | 4,725 |
| Return on assets (ROA) | 0.3944% | 4,758 |
| Pretax return on assets | 0.3948% | 4,814 |
| Return on Equity (ROE) | 4.1532% | 4,564 |
| Retained earnings to average equity (ytd only) | 3.3150% | 3,750 |
| Net charge-offs to loans | 0.0342% | 2,387 |
| Credit loss provision to net charge-offs | 155.1724% | 1,592 |
| Earnings coverage of net charge-offs (x) | 18.8969% | 2,029 |
| Efficiency ratio | 89.1603% | 356 |
| Assets per employee ($millions) | 3.0052% | 4,890 |
| Cash dividends to net income (ytd only)* | 20.1816% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 2,078 |
| Loan loss allowance to noncurrent loans | 171.5629% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 2,466 |
| Noncurrent loans to loans | 0.7448% | 2,101 |
| Net loans and leases to total assets | 68.2424% | 2,756 |
| Net loans and leases to deposits | 90.4202% | 1,642 |
| Net loans and leases to core deposits | 102.1939% | 1,481 |
| Total domestic deposits to total assets | 75.4725% | 4,701 |
| Equity capital to assets | 10.0549% | 3,964 |
| Core capital (leverage) ratio | 9.4259% | 4,255 |
| Tier 1 risk-based capital ratio | 13.0355% | 3,824 |
| Total risk-based capital ratio | 14.2476% | 3,750 |
| Memoranda: | ||
| Average total assets | $334,980,750 | 1,971 |
| Average earning assets | $308,122,750 | 1,988 |
| Average equity | $31,814,000 | 2,322 |
| Average total loans | $225,817,000 | 2,000 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 3,749 |
| Cost of funding earning assets | 0.8724% | 2,285 |
| Net interest margin | 3.3913% | 3,923 |
| Noninterest income to average assets | 0.8608% | 1,176 |
| Noninterest expense to average assets | 3.5560% | 892 |
| Loan and lease loss provision to assets | 0.0357% | 3,109 |
| Net operating income to assets | 0.3888% | 4,752 |
| Return on assets (ROA) | 0.3894% | 4,770 |
| Pretax return on assets | 0.3870% | 4,845 |
| Return on Equity (ROE) | 4.1801% | 4,544 |
| Retained earnings to average equity (ytd only) | 2.9037% | 3,762 |
| Net charge-offs to loans | 0.0391% | 2,102 |
| Credit loss provision to net charge-offs | 136.3636% | 1,603 |
| Earnings coverage of net charge-offs (x) | 16.1364% | 1,948 |
| Efficiency ratio | 89.3903% | 375 |
| Assets per employee ($millions) | 3.0682% | 4,867 |
| Cash dividends to net income (ytd only)* | 30.5344% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,085 |
| Loan loss allowance to noncurrent loans | 205.2297% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 2,801 |
| Noncurrent loans to loans | 0.6251% | 2,383 |
| Net loans and leases to total assets | 66.2124% | 3,079 |
| Net loans and leases to deposits | 82.9716% | 2,619 |
| Net loans and leases to core deposits | 92.7273% | 2,343 |
| Total domestic deposits to total assets | 79.8012% | 4,070 |
| Equity capital to assets | 9.6221% | 4,295 |
| Core capital (leverage) ratio | 9.3705% | 4,286 |
| Tier 1 risk-based capital ratio | 12.9960% | 3,836 |
| Total risk-based capital ratio | 14.2108% | 3,770 |
| Memoranda: | ||
| Average total assets | $336,449,000 | 1,979 |
| Average earning assets | $309,259,330 | 1,986 |
| Average equity | $31,339,000 | 2,344 |
| Average total loans | $224,918,330 | 2,009 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2742% | 3,634 |
| Cost of funding earning assets | 0.8569% | 2,235 |
| Net interest margin | 3.4173% | 3,842 |
| Noninterest income to average assets | 0.8645% | 1,131 |
| Noninterest expense to average assets | 3.5342% | 920 |
| Loan and lease loss provision to assets | 0.0357% | 2,910 |
| Net operating income to assets | 0.4239% | 4,682 |
| Return on assets (ROA) | 0.4239% | 4,693 |
| Pretax return on assets | 0.4334% | 4,796 |
| Return on Equity (ROE) | 4.6277% | 4,435 |
| Retained earnings to average equity (ytd only) | 4.6277% | 3,070 |
| Net charge-offs to loans | 0.0321% | 1,810 |
| Credit loss provision to net charge-offs | 166.6667% | 1,164 |
| Earnings coverage of net charge-offs (x) | 21.8889% | 1,518 |
| Efficiency ratio | 88.2808% | 467 |
| Assets per employee ($millions) | 3.0623% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 2,108 |
| Loan loss allowance to noncurrent loans | 180.5729% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 2,668 |
| Noncurrent loans to loans | 0.7175% | 2,227 |
| Net loans and leases to total assets | 66.8035% | 2,930 |
| Net loans and leases to deposits | 82.8658% | 2,521 |
| Net loans and leases to core deposits | 95.7789% | 1,946 |
| Total domestic deposits to total assets | 80.6166% | 4,048 |
| Equity capital to assets | 9.5144% | 4,244 |
| Core capital (leverage) ratio | 9.2939% | 4,371 |
| Tier 1 risk-based capital ratio | 13.6289% | 3,536 |
| Total risk-based capital ratio | 14.8792% | 3,447 |
| Memoranda: | ||
| Average total assets | $335,921,000 | 1,992 |
| Average earning assets | $308,548,500 | 2,007 |
| Average equity | $30,771,000 | 2,367 |
| Average total loans | $224,190,500 | 2,033 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 3,675 |
| Cost of funding earning assets | 0.6389% | 2,469 |
| Net interest margin | 3.4821% | 3,762 |
| Noninterest income to average assets | 0.7949% | 1,463 |
| Noninterest expense to average assets | 3.5572% | 923 |
| Loan and lease loss provision to assets | 0.0366% | 3,463 |
| Net operating income to assets | 0.4360% | 4,795 |
| Return on assets (ROA) | 0.4324% | 4,798 |
| Pretax return on assets | 0.3882% | 4,943 |
| Return on Equity (ROE) | 4.8082% | 4,501 |
| Retained earnings to average equity (ytd only) | 3.9605% | 3,395 |
| Net charge-offs to loans | 0.1834% | 1,051 |
| Credit loss provision to net charge-offs | 29.6296% | 3,351 |
| Earnings coverage of net charge-offs (x) | 3.4691% | 3,408 |
| Efficiency ratio | 89.2510% | 379 |
| Assets per employee ($millions) | 3.1880% | 4,850 |
| Cash dividends to net income (ytd only)* | 17.6305% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,114 |
| Loan loss allowance to noncurrent loans | 155.2688% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 2,413 |
| Noncurrent loans to loans | 0.8284% | 1,944 |
| Net loans and leases to total assets | 64.9797% | 3,259 |
| Net loans and leases to deposits | 79.9790% | 2,956 |
| Net loans and leases to core deposits | 93.6755% | 2,253 |
| Total domestic deposits to total assets | 81.2460% | 3,833 |
| Equity capital to assets | 8.8168% | 4,722 |
| Core capital (leverage) ratio | 9.2014% | 4,456 |
| Tier 1 risk-based capital ratio | 13.3831% | 3,616 |
| Total risk-based capital ratio | 14.6335% | 3,510 |
| Memoranda: | ||
| Average total assets | $327,958,200 | 2,006 |
| Average earning assets | $300,509,200 | 2,020 |
| Average equity | $29,491,000 | 2,364 |
| Average total loans | $220,805,200 | 2,016 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 3,700 |
| Cost of funding earning assets | 0.5847% | 2,587 |
| Net interest margin | 3.4955% | 3,711 |
| Noninterest income to average assets | 0.8094% | 1,440 |
| Noninterest expense to average assets | 3.5818% | 880 |
| Loan and lease loss provision to assets | 0.0370% | 3,267 |
| Net operating income to assets | 0.3942% | 4,970 |
| Return on assets (ROA) | 0.3946% | 4,968 |
| Pretax return on assets | 0.3926% | 5,039 |
| Return on Equity (ROE) | 4.3663% | 4,727 |
| Retained earnings to average equity (ytd only) | 3.2305% | 4,130 |
| Net charge-offs to loans | 0.0406% | 2,275 |
| Credit loss provision to net charge-offs | 134.3284% | 1,852 |
| Earnings coverage of net charge-offs (x) | 15.5972% | 2,210 |
| Efficiency ratio | 89.3007% | 353 |
| Assets per employee ($millions) | 3.0706% | 4,987 |
| Cash dividends to net income (ytd only)* | 26.0150% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 1,531 |
| Loan loss allowance to noncurrent loans | 126.0750% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7942% | 1,865 |
| Noncurrent loans to loans | 1.1484% | 1,477 |
| Net loans and leases to total assets | 66.8354% | 3,087 |
| Net loans and leases to deposits | 83.2565% | 2,681 |
| Net loans and leases to core deposits | 94.3451% | 2,253 |
| Total domestic deposits to total assets | 80.2766% | 4,048 |
| Equity capital to assets | 8.8944% | 4,643 |
| Core capital (leverage) ratio | 9.2610% | 4,444 |
| Tier 1 risk-based capital ratio | 13.7385% | 3,493 |
| Total risk-based capital ratio | 14.9907% | 3,413 |
| Memoranda: | ||
| Average total assets | $324,670,000 | 2,029 |
| Average earning assets | $297,366,000 | 2,042 |
| Average equity | $29,345,000 | 2,380 |
| Average total loans | $219,871,250 | 2,034 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0220% | 3,719 |
| Cost of funding earning assets | 0.5536% | 2,585 |
| Net interest margin | 3.4684% | 3,738 |
| Noninterest income to average assets | 0.7953% | 1,487 |
| Noninterest expense to average assets | 3.5641% | 910 |
| Loan and lease loss provision to assets | 0.0370% | 3,173 |
| Net operating income to assets | 0.3785% | 5,002 |
| Return on assets (ROA) | 0.3792% | 5,004 |
| Pretax return on assets | 0.3736% | 5,076 |
| Return on Equity (ROE) | 4.1728% | 4,776 |
| Retained earnings to average equity (ytd only) | 2.4765% | 4,272 |
| Net charge-offs to loans | 0.0237% | 2,394 |
| Credit loss provision to net charge-offs | 230.7692% | 1,191 |
| Earnings coverage of net charge-offs (x) | 25.5769% | 1,638 |
| Efficiency ratio | 89.6835% | 384 |
| Assets per employee ($millions) | 2.9995% | 5,094 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,552 |
| Loan loss allowance to noncurrent loans | 133.1258% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.7453% | 2,004 |
| Noncurrent loans to loans | 1.0902% | 1,621 |
| Net loans and leases to total assets | 66.0007% | 3,156 |
| Net loans and leases to deposits | 81.7816% | 2,788 |
| Net loans and leases to core deposits | 91.6004% | 2,433 |
| Total domestic deposits to total assets | 80.7036% | 4,073 |
| Equity capital to assets | 8.8226% | 4,700 |
| Core capital (leverage) ratio | 9.1844% | 4,483 |
| Tier 1 risk-based capital ratio | 13.3763% | 3,692 |
| Total risk-based capital ratio | 14.6282% | 3,612 |
| Memoranda: | ||
| Average total assets | $324,398,000 | 2,039 |
| Average earning assets | $297,313,670 | 2,060 |
| Average equity | $29,476,670 | 2,383 |
| Average total loans | $219,583,000 | 2,038 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9967% | 3,620 |
| Cost of funding earning assets | 0.5296% | 2,541 |
| Net interest margin | 3.4671% | 3,653 |
| Noninterest income to average assets | 0.7910% | 1,489 |
| Noninterest expense to average assets | 3.6067% | 865 |
| Loan and lease loss provision to assets | 0.0373% | 2,999 |
| Net operating income to assets | 0.3408% | 5,025 |
| Return on assets (ROA) | 0.3408% | 5,030 |
| Pretax return on assets | 0.3221% | 5,143 |
| Return on Equity (ROE) | 3.6952% | 4,847 |
| Retained earnings to average equity (ytd only) | 3.6952% | 3,717 |
| Net charge-offs to loans | 0.0292% | 1,914 |
| Credit loss provision to net charge-offs | 187.5000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 18.0625% | 1,550 |
| Efficiency ratio | 90.9376% | 404 |
| Assets per employee ($millions) | 2.9610% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 1,654 |
| Loan loss allowance to noncurrent loans | 148.1636% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.6823% | 2,284 |
| Noncurrent loans to loans | 0.9790% | 1,861 |
| Net loans and leases to total assets | 67.0915% | 2,879 |
| Net loans and leases to deposits | 88.4369% | 1,875 |
| Net loans and leases to core deposits | 97.8154% | 1,844 |
| Total domestic deposits to total assets | 75.8637% | 4,975 |
| Equity capital to assets | 9.0551% | 4,499 |
| Core capital (leverage) ratio | 9.3123% | 4,307 |
| Tier 1 risk-based capital ratio | 13.4891% | 3,655 |
| Total risk-based capital ratio | 14.7415% | 3,570 |
| Memoranda: | ||
| Average total assets | $321,623,000 | 2,067 |
| Average earning assets | $294,542,000 | 2,095 |
| Average equity | $29,660,000 | 2,395 |
| Average total loans | $218,887,000 | 2,051 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 3,920 |
| Cost of funding earning assets | 0.4657% | 2,637 |
| Net interest margin | 3.3711% | 3,930 |
| Noninterest income to average assets | 0.7739% | 1,669 |
| Noninterest expense to average assets | 3.3111% | 1,356 |
| Loan and lease loss provision to assets | 0.0548% | 3,135 |
| Net operating income to assets | 0.2687% | 4,987 |
| Return on assets (ROA) | 0.2677% | 5,008 |
| Pretax return on assets | 0.5001% | 4,932 |
| Return on Equity (ROE) | 2.9771% | 4,834 |
| Retained earnings to average equity (ytd only) | 2.9771% | 3,518 |
| Net charge-offs to loans | 0.0014% | 4,072 |
| Credit loss provision to net charge-offs | 6,000.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 609.6667% | 144 |
| Efficiency ratio | 85.6143% | 664 |
| Assets per employee ($millions) | 2.9404% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 1,567 |
| Loan loss allowance to noncurrent loans | 160.3335% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 2,398 |
| Noncurrent loans to loans | 0.9076% | 1,966 |
| Net loans and leases to total assets | 67.0449% | 2,959 |
| Net loans and leases to deposits | 89.1270% | 1,878 |
| Net loans and leases to core deposits | 98.9647% | 1,791 |
| Total domestic deposits to total assets | 75.2240% | 5,067 |
| Equity capital to assets | 9.3900% | 4,341 |
| Core capital (leverage) ratio | 9.3314% | 4,247 |
| Tier 1 risk-based capital ratio | 13.6287% | 3,557 |
| Total risk-based capital ratio | 14.8814% | 3,472 |
| Memoranda: | ||
| Average total assets | $328,742,800 | 2,018 |
| Average earning assets | $301,682,400 | 2,035 |
| Average equity | $29,559,000 | 2,388 |
| Average total loans | $215,650,800 | 2,027 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 4,045 |
| Cost of funding earning assets | 0.4541% | 2,680 |
| Net interest margin | 3.3354% | 4,062 |
| Noninterest income to average assets | 0.7642% | 1,720 |
| Noninterest expense to average assets | 3.2578% | 1,441 |
| Loan and lease loss provision to assets | 0.0605% | 2,875 |
| Net operating income to assets | 0.4358% | 4,915 |
| Return on assets (ROA) | 0.4341% | 4,950 |
| Pretax return on assets | 0.5078% | 5,014 |
| Return on Equity (ROE) | 4.8801% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.8801% | 2,963 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1021% | 681 |
| Assets per employee ($millions) | 3.0270% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4742% | 1,628 |
| Loan loss allowance to noncurrent loans | 120.2599% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 2,014 |
| Noncurrent loans to loans | 1.2258% | 1,551 |
| Net loans and leases to total assets | 66.1527% | 3,083 |
| Net loans and leases to deposits | 82.9609% | 2,665 |
| Net loans and leases to core deposits | 95.7742% | 2,102 |
| Total domestic deposits to total assets | 79.7396% | 4,383 |
| Equity capital to assets | 9.5401% | 4,406 |
| Core capital (leverage) ratio | 9.1768% | 4,539 |
| Tier 1 risk-based capital ratio | 13.8492% | 3,511 |
| Total risk-based capital ratio | 15.1017% | 3,441 |
| Memoranda: | ||
| Average total assets | $330,803,500 | 2,015 |
| Average earning assets | $303,887,250 | 2,038 |
| Average equity | $29,425,000 | 2,413 |
| Average total loans | $215,050,500 | 2,041 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7355% | 4,118 |
| Cost of funding earning assets | 0.4496% | 2,608 |
| Net interest margin | 3.2858% | 4,151 |
| Noninterest income to average assets | 0.7520% | 1,766 |
| Noninterest expense to average assets | 3.2125% | 1,549 |
| Loan and lease loss provision to assets | 0.0716% | 2,539 |
| Net operating income to assets | 0.4263% | 4,909 |
| Return on assets (ROA) | 0.4231% | 4,947 |
| Pretax return on assets | 0.4822% | 5,034 |
| Return on Equity (ROE) | 4.8685% | 4,526 |
| Retained earnings to average equity (ytd only) | 4.8685% | 2,797 |
| Net charge-offs to loans | 0.0056% | 3,263 |
| Credit loss provision to net charge-offs | 2,000.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 155.6667% | 486 |
| Efficiency ratio | 85.2145% | 746 |
| Assets per employee ($millions) | 3.1592% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 1,701 |
| Loan loss allowance to noncurrent loans | 140.5332% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 2,447 |
| Noncurrent loans to loans | 1.0430% | 1,885 |
| Net loans and leases to total assets | 61.8467% | 3,649 |
| Net loans and leases to deposits | 75.8006% | 3,366 |
| Net loans and leases to core deposits | 88.3898% | 2,670 |
| Total domestic deposits to total assets | 81.5913% | 4,020 |
| Equity capital to assets | 8.8207% | 5,054 |
| Core capital (leverage) ratio | 8.9308% | 4,802 |
| Tier 1 risk-based capital ratio | 13.3681% | 3,765 |
| Total risk-based capital ratio | 14.6203% | 3,684 |
| Memoranda: | ||
| Average total assets | $335,126,000 | 1,999 |
| Average earning assets | $307,806,000 | 2,012 |
| Average equity | $29,126,000 | 2,429 |
| Average total loans | $215,599,670 | 2,043 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7306% | 4,003 |
| Cost of funding earning assets | 0.4546% | 2,488 |
| Net interest margin | 3.2760% | 4,097 |
| Noninterest income to average assets | 0.7169% | 1,884 |
| Noninterest expense to average assets | 3.2295% | 1,525 |
| Loan and lease loss provision to assets | 0.0719% | 2,366 |
| Net operating income to assets | 0.3659% | 5,033 |
| Return on assets (ROA) | 0.3680% | 5,052 |
| Pretax return on assets | 0.4244% | 5,114 |
| Return on Equity (ROE) | 4.2668% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.2668% | 3,308 |
| Net charge-offs to loans | 0.1086% | 1,304 |
| Credit loss provision to net charge-offs | 101.6949% | 1,545 |
| Earnings coverage of net charge-offs (x) | 6.9831% | 2,182 |
| Efficiency ratio | 86.7354% | 744 |
| Assets per employee ($millions) | 3.2637% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 2,204 |
| Loan loss allowance to noncurrent loans | 120.6522% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7585% | 2,405 |
| Noncurrent loans to loans | 1.1366% | 1,793 |
| Net loans and leases to total assets | 64.7502% | 3,162 |
| Net loans and leases to deposits | 79.4700% | 2,814 |
| Net loans and leases to core deposits | 94.2184% | 1,968 |
| Total domestic deposits to total assets | 81.4775% | 4,304 |
| Equity capital to assets | 8.7132% | 5,067 |
| Core capital (leverage) ratio | 8.8076% | 4,949 |
| Tier 1 risk-based capital ratio | 13.0281% | 4,060 |
| Total risk-based capital ratio | 14.2791% | 3,961 |
| Memoranda: | ||
| Average total assets | $333,671,000 | 2,025 |
| Average earning assets | $306,227,500 | 2,042 |
| Average equity | $28,780,500 | 2,457 |
| Average total loans | $217,312,500 | 2,045 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7368% | 4,103 |
| Cost of funding earning assets | 0.4492% | 2,541 |
| Net interest margin | 3.2876% | 4,179 |
| Noninterest income to average assets | 0.8752% | 1,496 |
| Noninterest expense to average assets | 3.3057% | 1,559 |
| Loan and lease loss provision to assets | 0.0931% | 2,497 |
| Net operating income to assets | 0.4289% | 4,850 |
| Return on assets (ROA) | 0.4294% | 4,936 |
| Pretax return on assets | 0.4992% | 5,025 |
| Return on Equity (ROE) | 4.7399% | 4,543 |
| Retained earnings to average equity (ytd only) | 3.8837% | 3,158 |
| Net charge-offs to loans | 0.1426% | 1,836 |
| Credit loss provision to net charge-offs | 99.0099% | 2,628 |
| Earnings coverage of net charge-offs (x) | 6.2937% | 3,199 |
| Efficiency ratio | 84.8193% | 923 |
| Assets per employee ($millions) | 3.2789% | 5,071 |
| Cash dividends to net income (ytd only)* | 18.0636% | 3,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 2,143 |
| Loan loss allowance to noncurrent loans | 100.7059% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9021% | 2,099 |
| Noncurrent loans to loans | 1.3768% | 1,488 |
| Net loans and leases to total assets | 63.7117% | 3,397 |
| Net loans and leases to deposits | 78.2381% | 3,074 |
| Net loans and leases to core deposits | 95.8391% | 1,937 |
| Total domestic deposits to total assets | 81.4331% | 4,222 |
| Equity capital to assets | 8.5381% | 5,244 |
| Core capital (leverage) ratio | 8.8575% | 4,901 |
| Tier 1 risk-based capital ratio | 12.8563% | 4,160 |
| Total risk-based capital ratio | 14.1074% | 4,057 |
| Memoranda: | ||
| Average total assets | $322,317,400 | 2,046 |
| Average earning assets | $296,298,400 | 2,069 |
| Average equity | $29,198,800 | 2,432 |
| Average total loans | $212,488,600 | 2,028 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7493% | 4,083 |
| Cost of funding earning assets | 0.4390% | 2,649 |
| Net interest margin | 3.3103% | 4,156 |
| Noninterest income to average assets | 0.8435% | 1,598 |
| Noninterest expense to average assets | 3.3165% | 1,527 |
| Loan and lease loss provision to assets | 0.0877% | 2,474 |
| Net operating income to assets | 0.4194% | 4,961 |
| Return on assets (ROA) | 0.4201% | 5,050 |
| Pretax return on assets | 0.4886% | 5,147 |
| Return on Equity (ROE) | 4.5685% | 4,690 |
| Retained earnings to average equity (ytd only) | 3.4332% | 3,841 |
| Net charge-offs to loans | 0.0813% | 2,159 |
| Credit loss provision to net charge-offs | 162.7907% | 1,682 |
| Earnings coverage of net charge-offs (x) | 10.6819% | 2,552 |
| Efficiency ratio | 85.2146% | 883 |
| Assets per employee ($millions) | 3.3282% | 5,009 |
| Cash dividends to net income (ytd only)* | 24.8513% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 1,941 |
| Loan loss allowance to noncurrent loans | 103.0100% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 2,204 |
| Noncurrent loans to loans | 1.4169% | 1,545 |
| Net loans and leases to total assets | 65.0845% | 3,260 |
| Net loans and leases to deposits | 80.9725% | 2,858 |
| Net loans and leases to core deposits | 90.5302% | 2,524 |
| Total domestic deposits to total assets | 80.3786% | 4,420 |
| Equity capital to assets | 9.4080% | 4,756 |
| Core capital (leverage) ratio | 8.9136% | 4,925 |
| Tier 1 risk-based capital ratio | 13.0744% | 4,117 |
| Total risk-based capital ratio | 14.3265% | 4,022 |
| Memoranda: | ||
| Average total assets | $319,285,750 | 2,067 |
| Average earning assets | $294,024,000 | 2,086 |
| Average equity | $29,359,750 | 2,419 |
| Average total loans | $211,591,750 | 2,040 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7308% | 4,185 |
| Cost of funding earning assets | 0.4408% | 2,650 |
| Net interest margin | 3.2899% | 4,266 |
| Noninterest income to average assets | 0.8439% | 1,571 |
| Noninterest expense to average assets | 3.3244% | 1,544 |
| Loan and lease loss provision to assets | 0.0752% | 2,635 |
| Net operating income to assets | 0.3943% | 5,053 |
| Return on assets (ROA) | 0.3953% | 5,127 |
| Pretax return on assets | 0.4755% | 5,185 |
| Return on Equity (ROE) | 4.3328% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.3328% | 3,162 |
| Net charge-offs to loans | 0.1360% | 1,517 |
| Credit loss provision to net charge-offs | 83.3333% | 2,330 |
| Earnings coverage of net charge-offs (x) | 6.0903% | 2,783 |
| Efficiency ratio | 85.8159% | 901 |
| Assets per employee ($millions) | 3.4474% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 2,220 |
| Loan loss allowance to noncurrent loans | 87.1923% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 1,956 |
| Noncurrent loans to loans | 1.6240% | 1,315 |
| Net loans and leases to total assets | 64.6034% | 3,280 |
| Net loans and leases to deposits | 79.2846% | 3,024 |
| Net loans and leases to core deposits | 88.0576% | 2,719 |
| Total domestic deposits to total assets | 81.4829% | 4,142 |
| Equity capital to assets | 9.3485% | 4,921 |
| Core capital (leverage) ratio | 8.7461% | 5,110 |
| Tier 1 risk-based capital ratio | 13.7634% | 3,743 |
| Total risk-based capital ratio | 15.0158% | 3,661 |
| Memoranda: | ||
| Average total assets | $319,213,330 | 2,078 |
| Average earning assets | $293,988,670 | 2,092 |
| Average equity | $29,126,670 | 2,439 |
| Average total loans | $211,780,000 | 2,037 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7319% | 4,204 |
| Cost of funding earning assets | 0.4358% | 2,717 |
| Net interest margin | 3.2960% | 4,237 |
| Noninterest income to average assets | 0.7610% | 1,772 |
| Noninterest expense to average assets | 3.2840% | 1,646 |
| Loan and lease loss provision to assets | 0.0753% | 2,450 |
| Net operating income to assets | 0.3684% | 5,085 |
| Return on assets (ROA) | 0.3705% | 5,158 |
| Pretax return on assets | 0.4433% | 5,220 |
| Return on Equity (ROE) | 4.1109% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.1109% | 3,432 |
| Net charge-offs to loans | 0.0941% | 1,572 |
| Credit loss provision to net charge-offs | 120.0000% | 1,442 |
| Earnings coverage of net charge-offs (x) | 8.2200% | 2,075 |
| Efficiency ratio | 86.4177% | 942 |
| Assets per employee ($millions) | 3.1964% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 2,385 |
| Loan loss allowance to noncurrent loans | 106.7021% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.8916% | 2,459 |
| Noncurrent loans to loans | 1.3195% | 1,810 |
| Net loans and leases to total assets | 65.9196% | 2,964 |
| Net loans and leases to deposits | 81.9413% | 2,548 |
| Net loans and leases to core deposits | 92.0428% | 2,174 |
| Total domestic deposits to total assets | 80.4473% | 4,651 |
| Equity capital to assets | 9.1533% | 5,037 |
| Core capital (leverage) ratio | 8.7822% | 5,089 |
| Tier 1 risk-based capital ratio | 13.7593% | 3,831 |
| Total risk-based capital ratio | 15.0123% | 3,762 |
| Memoranda: | ||
| Average total assets | $318,516,500 | 2,092 |
| Average earning assets | $293,686,000 | 2,099 |
| Average equity | $28,704,000 | 2,462 |
| Average total loans | $212,621,000 | 2,033 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6375% | 4,566 |
| Cost of funding earning assets | 0.4358% | 2,777 |
| Net interest margin | 3.2017% | 4,624 |
| Noninterest income to average assets | 0.8404% | 1,641 |
| Noninterest expense to average assets | 3.4286% | 1,436 |
| Loan and lease loss provision to assets | 0.0964% | 2,381 |
| Net operating income to assets | 0.2386% | 5,505 |
| Return on assets (ROA) | 0.2744% | 5,507 |
| Pretax return on assets | 0.2957% | 5,526 |
| Return on Equity (ROE) | 3.0755% | 5,278 |
| Retained earnings to average equity (ytd only) | 3.0755% | 3,869 |
| Net charge-offs to loans | 0.1873% | 1,542 |
| Credit loss provision to net charge-offs | 80.2139% | 2,944 |
| Earnings coverage of net charge-offs (x) | 2.9412% | 3,804 |
| Efficiency ratio | 90.6534% | 654 |
| Assets per employee ($millions) | 3.2059% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 2,335 |
| Loan loss allowance to noncurrent loans | 104.2768% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.9087% | 2,387 |
| Noncurrent loans to loans | 1.3597% | 1,725 |
| Net loans and leases to total assets | 65.7004% | 3,026 |
| Net loans and leases to deposits | 80.4908% | 2,768 |
| Net loans and leases to core deposits | 90.7862% | 2,335 |
| Total domestic deposits to total assets | 81.6248% | 4,296 |
| Equity capital to assets | 8.8692% | 5,253 |
| Core capital (leverage) ratio | 8.7859% | 5,127 |
| Tier 1 risk-based capital ratio | 13.8713% | 3,788 |
| Total risk-based capital ratio | 15.1243% | 3,715 |
| Memoranda: | ||
| Average total assets | $311,173,600 | 2,085 |
| Average earning assets | $285,912,000 | 2,098 |
| Average equity | $27,767,400 | 2,486 |
| Average total loans | $199,717,600 | 2,072 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6350% | 4,629 |
| Cost of funding earning assets | 0.4297% | 2,909 |
| Net interest margin | 3.2053% | 4,651 |
| Noninterest income to average assets | 0.8531% | 1,609 |
| Noninterest expense to average assets | 3.4437% | 1,393 |
| Loan and lease loss provision to assets | 0.1033% | 2,136 |
| Net operating income to assets | 0.1909% | 5,697 |
| Return on assets (ROA) | 0.2201% | 5,708 |
| Pretax return on assets | 0.2864% | 5,663 |
| Return on Equity (ROE) | 2.4622% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.4622% | 4,642 |
| Net charge-offs to loans | 0.0800% | 2,414 |
| Credit loss provision to net charge-offs | 203.3898% | 1,318 |
| Earnings coverage of net charge-offs (x) | 6.9237% | 2,977 |
| Efficiency ratio | 90.7307% | 650 |
| Assets per employee ($millions) | 3.1415% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 1,878 |
| Loan loss allowance to noncurrent loans | 123.6934% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 2,730 |
| Noncurrent loans to loans | 1.2706% | 2,010 |
| Net loans and leases to total assets | 64.9920% | 3,158 |
| Net loans and leases to deposits | 81.6458% | 2,688 |
| Net loans and leases to core deposits | 90.3482% | 2,430 |
| Total domestic deposits to total assets | 79.6024% | 4,831 |
| Equity capital to assets | 9.1346% | 5,177 |
| Core capital (leverage) ratio | 8.8007% | 5,235 |
| Tier 1 risk-based capital ratio | 14.1958% | 3,731 |
| Total risk-based capital ratio | 15.4506% | 3,666 |
| Memoranda: | ||
| Average total assets | $309,619,750 | 2,108 |
| Average earning assets | $284,227,000 | 2,121 |
| Average equity | $27,671,750 | 2,498 |
| Average total loans | $196,765,750 | 2,112 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 4,814 |
| Cost of funding earning assets | 0.4261% | 2,975 |
| Net interest margin | 3.1427% | 4,850 |
| Noninterest income to average assets | 0.8330% | 1,661 |
| Noninterest expense to average assets | 3.4158% | 1,450 |
| Loan and lease loss provision to assets | 0.1161% | 1,905 |
| Net operating income to assets | 0.1469% | 5,814 |
| Return on assets (ROA) | 0.1515% | 5,853 |
| Pretax return on assets | 0.1889% | 5,831 |
| Return on Equity (ROE) | 1.7077% | 5,756 |
| Retained earnings to average equity (ytd only) | 1.7077% | 4,847 |
| Net charge-offs to loans | 0.0791% | 2,258 |
| Credit loss provision to net charge-offs | 233.7662% | 1,097 |
| Earnings coverage of net charge-offs (x) | 6.0260% | 2,839 |
| Efficiency ratio | 91.9472% | 643 |
| Assets per employee ($millions) | 3.1780% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 1,994 |
| Loan loss allowance to noncurrent loans | 116.0819% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.9038% | 2,726 |
| Noncurrent loans to loans | 1.3565% | 1,990 |
| Net loans and leases to total assets | 63.7404% | 3,298 |
| Net loans and leases to deposits | 78.0169% | 3,028 |
| Net loans and leases to core deposits | 80.2280% | 3,368 |
| Total domestic deposits to total assets | 81.7008% | 4,388 |
| Equity capital to assets | 8.7794% | 5,456 |
| Core capital (leverage) ratio | 8.8222% | 5,198 |
| Tier 1 risk-based capital ratio | 13.9274% | 3,973 |
| Total risk-based capital ratio | 15.1824% | 3,901 |
| Memoranda: | ||
| Average total assets | $310,205,000 | 2,122 |
| Average earning assets | $284,472,000 | 2,136 |
| Average equity | $27,521,670 | 2,516 |
| Average total loans | $194,593,670 | 2,131 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5538% | 4,817 |
| Cost of funding earning assets | 0.4317% | 2,961 |
| Net interest margin | 3.1221% | 4,875 |
| Noninterest income to average assets | 0.8786% | 1,460 |
| Noninterest expense to average assets | 3.4705% | 1,371 |
| Loan and lease loss provision to assets | 0.1163% | 1,775 |
| Net operating income to assets | 0.1320% | 5,825 |
| Return on assets (ROA) | 0.1421% | 5,876 |
| Pretax return on assets | 0.1628% | 5,877 |
| Return on Equity (ROE) | 1.5936% | 5,779 |
| Retained earnings to average equity (ytd only) | 1.5936% | 4,837 |
| Net charge-offs to loans | 0.0482% | 2,309 |
| Credit loss provision to net charge-offs | 391.3043% | 676 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,041 |
| Efficiency ratio | 92.8448% | 661 |
| Assets per employee ($millions) | 3.2816% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 1,925 |
| Loan loss allowance to noncurrent loans | 115.0605% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8815% | 2,872 |
| Noncurrent loans to loans | 1.4244% | 2,013 |
| Net loans and leases to total assets | 60.4493% | 3,588 |
| Net loans and leases to deposits | 72.8253% | 3,455 |
| Net loans and leases to core deposits | 75.7567% | 3,619 |
| Total domestic deposits to total assets | 83.0059% | 4,178 |
| Equity capital to assets | 8.9460% | 5,353 |
| Core capital (leverage) ratio | 8.7211% | 5,299 |
| Tier 1 risk-based capital ratio | 14.4462% | 3,750 |
| Total risk-based capital ratio | 15.7009% | 3,673 |
| Memoranda: | ||
| Average total assets | $309,584,500 | 2,135 |
| Average earning assets | $283,525,000 | 2,150 |
| Average equity | $27,611,000 | 2,530 |
| Average total loans | $191,044,000 | 2,175 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7055% | 4,766 |
| Cost of funding earning assets | 0.4630% | 3,039 |
| Net interest margin | 3.2425% | 4,783 |
| Noninterest income to average assets | 0.7717% | 1,986 |
| Noninterest expense to average assets | 3.4786% | 1,532 |
| Loan and lease loss provision to assets | 0.1171% | 2,218 |
| Net operating income to assets | 0.1084% | 5,945 |
| Return on assets (ROA) | 0.1695% | 5,877 |
| Pretax return on assets | 0.1946% | 5,880 |
| Return on Equity (ROE) | 1.9612% | 5,774 |
| Retained earnings to average equity (ytd only) | 1.9612% | 4,815 |
| Net charge-offs to loans | 0.2118% | 1,974 |
| Credit loss provision to net charge-offs | 88.6700% | 2,672 |
| Earnings coverage of net charge-offs (x) | 1.8276% | 4,328 |
| Efficiency ratio | 93.5106% | 623 |
| Assets per employee ($millions) | 3.2023% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 2,048 |
| Loan loss allowance to noncurrent loans | 129.2262% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 3,217 |
| Noncurrent loans to loans | 1.2483% | 2,365 |
| Net loans and leases to total assets | 60.9671% | 3,642 |
| Net loans and leases to deposits | 72.6707% | 3,600 |
| Net loans and leases to core deposits | 77.2931% | 3,586 |
| Total domestic deposits to total assets | 83.8950% | 3,769 |
| Equity capital to assets | 8.8911% | 5,387 |
| Core capital (leverage) ratio | 8.6951% | 5,350 |
| Tier 1 risk-based capital ratio | 14.5181% | 3,766 |
| Total risk-based capital ratio | 15.7730% | 3,703 |
| Memoranda: | ||
| Average total assets | $307,367,400 | 2,117 |
| Average earning assets | $279,474,000 | 2,136 |
| Average equity | $26,565,000 | 2,522 |
| Average total loans | $191,679,400 | 2,102 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7044% | 4,845 |
| Cost of funding earning assets | 0.4656% | 3,096 |
| Net interest margin | 3.2388% | 4,827 |
| Noninterest income to average assets | 0.8017% | 1,891 |
| Noninterest expense to average assets | 3.4600% | 1,552 |
| Loan and lease loss provision to assets | 0.1171% | 2,108 |
| Net operating income to assets | 0.1446% | 5,957 |
| Return on assets (ROA) | 0.2199% | 5,853 |
| Pretax return on assets | 0.2546% | 5,854 |
| Return on Equity (ROE) | 2.5632% | 5,692 |
| Retained earnings to average equity (ytd only) | 2.5632% | 4,758 |
| Net charge-offs to loans | 0.2743% | 1,432 |
| Credit loss provision to net charge-offs | 68.3544% | 2,797 |
| Earnings coverage of net charge-offs (x) | 1.6582% | 4,110 |
| Efficiency ratio | 92.4111% | 680 |
| Assets per employee ($millions) | 3.1988% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 2,512 |
| Loan loss allowance to noncurrent loans | 105.1633% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.0790% | 2,799 |
| Noncurrent loans to loans | 1.4713% | 2,208 |
| Net loans and leases to total assets | 61.4007% | 3,571 |
| Net loans and leases to deposits | 74.3658% | 3,392 |
| Net loans and leases to core deposits | 79.5994% | 3,362 |
| Total domestic deposits to total assets | 82.5657% | 4,275 |
| Equity capital to assets | 8.6673% | 5,670 |
| Core capital (leverage) ratio | 8.5274% | 5,632 |
| Tier 1 risk-based capital ratio | 14.1250% | 4,125 |
| Total risk-based capital ratio | 15.3791% | 4,061 |
| Memoranda: | ||
| Average total assets | $307,354,250 | 2,126 |
| Average earning assets | $279,231,500 | 2,145 |
| Average equity | $26,373,000 | 2,541 |
| Average total loans | $191,974,750 | 2,112 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7023% | 4,859 |
| Cost of funding earning assets | 0.4654% | 3,158 |
| Net interest margin | 3.2369% | 4,820 |
| Noninterest income to average assets | 0.7677% | 1,973 |
| Noninterest expense to average assets | 3.4500% | 1,573 |
| Loan and lease loss provision to assets | 0.1175% | 2,081 |
| Net operating income to assets | 0.1119% | 6,023 |
| Return on assets (ROA) | 0.2141% | 5,854 |
| Pretax return on assets | 0.2624% | 5,851 |
| Return on Equity (ROE) | 2.5038% | 5,693 |
| Retained earnings to average equity (ytd only) | 2.5038% | 4,612 |
| Net charge-offs to loans | 0.1515% | 2,177 |
| Credit loss provision to net charge-offs | 124.1379% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2.6966% | 3,486 |
| Efficiency ratio | 93.1113% | 687 |
| Assets per employee ($millions) | 3.1999% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 2,405 |
| Loan loss allowance to noncurrent loans | 102.4691% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.2310% | 2,633 |
| Noncurrent loans to loans | 1.5770% | 2,200 |
| Net loans and leases to total assets | 61.8664% | 3,427 |
| Net loans and leases to deposits | 74.5886% | 3,259 |
| Net loans and leases to core deposits | 78.3751% | 3,396 |
| Total domestic deposits to total assets | 82.9436% | 4,322 |
| Equity capital to assets | 8.6656% | 5,646 |
| Core capital (leverage) ratio | 8.6916% | 5,411 |
| Tier 1 risk-based capital ratio | 14.1304% | 4,171 |
| Total risk-based capital ratio | 15.3854% | 4,106 |
| Memoranda: | ||
| Average total assets | $306,379,000 | 2,133 |
| Average earning assets | $278,040,330 | 2,157 |
| Average equity | $26,199,670 | 2,548 |
| Average total loans | $191,463,670 | 2,116 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7086% | 4,818 |
| Cost of funding earning assets | 0.4705% | 3,226 |
| Net interest margin | 3.2381% | 4,784 |
| Noninterest income to average assets | 0.6860% | 2,247 |
| Noninterest expense to average assets | 3.4865% | 1,513 |
| Loan and lease loss provision to assets | 0.1183% | 2,003 |
| Net operating income to assets | 0.0199% | 6,184 |
| Return on assets (ROA) | 0.1577% | 5,951 |
| Pretax return on assets | 0.1708% | 5,971 |
| Return on Equity (ROE) | 1.8568% | 5,824 |
| Retained earnings to average equity (ytd only) | 1.8568% | 4,852 |
| Net charge-offs to loans | 0.3375% | 1,061 |
| Credit loss provision to net charge-offs | 56.2500% | 2,144 |
| Earnings coverage of net charge-offs (x) | 0.6625% | 3,286 |
| Efficiency ratio | 96.1580% | 632 |
| Assets per employee ($millions) | 3.1653% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 2,699 |
| Loan loss allowance to noncurrent loans | 94.3671% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.3391% | 2,638 |
| Noncurrent loans to loans | 1.6968% | 2,290 |
| Net loans and leases to total assets | 61.6597% | 3,290 |
| Net loans and leases to deposits | 73.0150% | 3,199 |
| Net loans and leases to core deposits | 77.4394% | 3,258 |
| Total domestic deposits to total assets | 84.4481% | 4,102 |
| Equity capital to assets | 8.5952% | 5,553 |
| Core capital (leverage) ratio | 8.6128% | 5,514 |
| Tier 1 risk-based capital ratio | 14.2963% | 4,130 |
| Total risk-based capital ratio | 15.5511% | 4,080 |
| Memoranda: | ||
| Average total assets | $304,374,500 | 2,150 |
| Average earning assets | $276,331,000 | 2,174 |
| Average equity | $25,851,000 | 2,570 |
| Average total loans | $189,605,500 | 2,136 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 4,941 |
| Cost of funding earning assets | 0.5765% | 2,871 |
| Net interest margin | 3.1853% | 5,046 |
| Noninterest income to average assets | 0.7710% | 2,205 |
| Noninterest expense to average assets | 3.3578% | 1,979 |
| Loan and lease loss provision to assets | 0.1800% | 2,050 |
| Net operating income to assets | 0.0890% | 6,072 |
| Return on assets (ROA) | 0.2330% | 5,804 |
| Pretax return on assets | 0.3250% | 5,662 |
| Return on Equity (ROE) | 2.6510% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.6510% | 4,362 |
| Net charge-offs to loans | 0.0354% | 4,738 |
| Credit loss provision to net charge-offs | 805.9701% | 306 |
| Earnings coverage of net charge-offs (x) | 13.6567% | 2,000 |
| Efficiency ratio | 91.6727% | 894 |
| Assets per employee ($millions) | 3.2783% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 2,557 |
| Loan loss allowance to noncurrent loans | 96.4739% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.2713% | 2,872 |
| Noncurrent loans to loans | 1.7124% | 2,343 |
| Net loans and leases to total assets | 60.9021% | 3,556 |
| Net loans and leases to deposits | 71.9690% | 3,526 |
| Net loans and leases to core deposits | 74.9792% | 3,735 |
| Total domestic deposits to total assets | 84.6226% | 3,915 |
| Equity capital to assets | 8.3914% | 5,703 |
| Core capital (leverage) ratio | 8.7469% | 5,360 |
| Tier 1 risk-based capital ratio | 14.2693% | 4,104 |
| Total risk-based capital ratio | 15.5248% | 4,043 |
| Memoranda: | ||
| Average total assets | $299,990,400 | 2,148 |
| Average earning assets | $272,345,800 | 2,161 |
| Average equity | $26,367,400 | 2,514 |
| Average total loans | $189,522,600 | 2,106 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7875% | 4,900 |
| Cost of funding earning assets | 0.6013% | 2,797 |
| Net interest margin | 3.1862% | 5,039 |
| Noninterest income to average assets | 0.7676% | 2,289 |
| Noninterest expense to average assets | 3.3461% | 1,959 |
| Loan and lease loss provision to assets | 0.2008% | 1,808 |
| Net operating income to assets | 0.0873% | 6,158 |
| Return on assets (ROA) | 0.2602% | 5,855 |
| Pretax return on assets | 0.3396% | 5,776 |
| Return on Equity (ROE) | 2.9263% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.9263% | 4,575 |
| Net charge-offs to loans | 0.0372% | 4,402 |
| Credit loss provision to net charge-offs | 849.0566% | 354 |
| Earnings coverage of net charge-offs (x) | 13.3595% | 2,036 |
| Efficiency ratio | 91.3722% | 891 |
| Assets per employee ($millions) | 3.1235% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 3,027 |
| Loan loss allowance to noncurrent loans | 97.5633% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.2610% | 3,116 |
| Noncurrent loans to loans | 1.6332% | 2,722 |
| Net loans and leases to total assets | 63.3325% | 3,106 |
| Net loans and leases to deposits | 74.9278% | 3,098 |
| Net loans and leases to core deposits | 78.1054% | 3,350 |
| Total domestic deposits to total assets | 84.5247% | 3,964 |
| Equity capital to assets | 8.7529% | 5,463 |
| Core capital (leverage) ratio | 8.6890% | 5,551 |
| Tier 1 risk-based capital ratio | 14.2981% | 4,215 |
| Total risk-based capital ratio | 15.5541% | 4,157 |
| Memoranda: | ||
| Average total assets | $298,767,250 | 2,164 |
| Average earning assets | $271,415,750 | 2,174 |
| Average equity | $26,563,250 | 2,522 |
| Average total loans | $189,703,500 | 2,099 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7715% | 4,920 |
| Cost of funding earning assets | 0.6318% | 2,667 |
| Net interest margin | 3.1397% | 5,158 |
| Noninterest income to average assets | 0.8001% | 2,184 |
| Noninterest expense to average assets | 3.3121% | 2,040 |
| Loan and lease loss provision to assets | 0.2004% | 1,895 |
| Net operating income to assets | 0.1145% | 6,101 |
| Return on assets (ROA) | 0.2124% | 5,993 |
| Pretax return on assets | 0.2632% | 5,970 |
| Return on Equity (ROE) | 2.3767% | 5,841 |
| Retained earnings to average equity (ytd only) | 2.3767% | 4,787 |
| Net charge-offs to loans | 0.0909% | 3,454 |
| Credit loss provision to net charge-offs | 348.8372% | 751 |
| Earnings coverage of net charge-offs (x) | 5.9651% | 2,795 |
| Efficiency ratio | 90.6250% | 1,015 |
| Assets per employee ($millions) | 3.1482% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 3,459 |
| Loan loss allowance to noncurrent loans | 111.5445% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.1572% | 3,436 |
| Noncurrent loans to loans | 1.3686% | 3,266 |
| Net loans and leases to total assets | 61.6865% | 3,356 |
| Net loans and leases to deposits | 72.7126% | 3,357 |
| Net loans and leases to core deposits | 75.7168% | 3,576 |
| Total domestic deposits to total assets | 84.8360% | 3,975 |
| Equity capital to assets | 8.7245% | 5,514 |
| Core capital (leverage) ratio | 8.6945% | 5,432 |
| Tier 1 risk-based capital ratio | 14.2791% | 4,242 |
| Total risk-based capital ratio | 15.5341% | 4,190 |
| Memoranda: | ||
| Average total assets | $299,444,000 | 2,170 |
| Average earning assets | $272,254,670 | 2,177 |
| Average equity | $26,760,000 | 2,512 |
| Average total loans | $189,280,000 | 2,106 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 4,763 |
| Cost of funding earning assets | 0.6863% | 2,333 |
| Net interest margin | 3.1326% | 5,153 |
| Noninterest income to average assets | 0.8838% | 1,820 |
| Noninterest expense to average assets | 3.2867% | 2,118 |
| Loan and lease loss provision to assets | 0.2002% | 1,857 |
| Net operating income to assets | 0.1949% | 5,911 |
| Return on assets (ROA) | 0.1949% | 6,020 |
| Pretax return on assets | 0.2483% | 5,963 |
| Return on Equity (ROE) | 2.1555% | 5,888 |
| Retained earnings to average equity (ytd only) | 2.1555% | 4,924 |
| Net charge-offs to loans | 0.1051% | 2,818 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 6.7200% | 2,176 |
| Efficiency ratio | 87.9914% | 1,328 |
| Assets per employee ($millions) | 3.2598% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 3,977 |
| Loan loss allowance to noncurrent loans | 109.5770% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.0177% | 3,892 |
| Noncurrent loans to loans | 1.3314% | 3,566 |
| Net loans and leases to total assets | 61.8477% | 3,092 |
| Net loans and leases to deposits | 73.6076% | 2,975 |
| Net loans and leases to core deposits | 76.7493% | 3,228 |
| Total domestic deposits to total assets | 84.0235% | 4,473 |
| Equity capital to assets | 9.0279% | 5,450 |
| Core capital (leverage) ratio | 8.4274% | 5,669 |
| Tier 1 risk-based capital ratio | 14.2731% | 4,308 |
| Total risk-based capital ratio | 15.5271% | 4,275 |
| Memoranda: | ||
| Average total assets | $299,627,500 | 2,193 |
| Average earning assets | $272,748,500 | 2,199 |
| Average equity | $27,093,500 | 2,515 |
| Average total loans | $190,245,000 | 2,109 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 5,039 |
| Cost of funding earning assets | 0.9639% | 1,561 |
| Net interest margin | 3.1107% | 5,791 |
| Noninterest income to average assets | 0.8065% | 2,239 |
| Noninterest expense to average assets | 3.0441% | 3,112 |
| Loan and lease loss provision to assets | 0.2148% | 2,990 |
| Net operating income to assets | 0.2737% | 5,563 |
| Return on assets (ROA) | 0.2792% | 5,758 |
| Pretax return on assets | 0.3872% | 5,604 |
| Return on Equity (ROE) | 3.1552% | 5,489 |
| Retained earnings to average equity (ytd only) | 3.1552% | 4,010 |
| Net charge-offs to loans | 0.3840% | 2,721 |
| Credit loss provision to net charge-offs | 87.1314% | 3,586 |
| Earnings coverage of net charge-offs (x) | 2.4115% | 4,203 |
| Efficiency ratio | 83.6633% | 1,667 |
| Assets per employee ($millions) | 3.2538% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 4,280 |
| Loan loss allowance to noncurrent loans | 108.7993% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.1882% | 3,678 |
| Noncurrent loans to loans | 1.2649% | 3,717 |
| Net loans and leases to total assets | 63.3418% | 3,003 |
| Net loans and leases to deposits | 77.4359% | 2,595 |
| Net loans and leases to core deposits | 80.4043% | 2,956 |
| Total domestic deposits to total assets | 81.7990% | 5,165 |
| Equity capital to assets | 9.0569% | 5,458 |
| Core capital (leverage) ratio | 8.7319% | 5,277 |
| Tier 1 risk-based capital ratio | 14.0165% | 4,370 |
| Total risk-based capital ratio | 15.2697% | 4,332 |
| Memoranda: | ||
| Average total assets | $302,649,000 | 2,123 |
| Average earning assets | $275,536,200 | 2,125 |
| Average equity | $26,780,800 | 2,503 |
| Average total loans | $194,280,400 | 2,055 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0919% | 5,215 |
| Cost of funding earning assets | 1.0299% | 1,393 |
| Net interest margin | 3.0621% | 6,039 |
| Noninterest income to average assets | 0.7548% | 2,450 |
| Noninterest expense to average assets | 2.9564% | 3,384 |
| Loan and lease loss provision to assets | 0.2197% | 2,859 |
| Net operating income to assets | 0.2705% | 5,715 |
| Return on assets (ROA) | 0.2750% | 5,890 |
| Pretax return on assets | 0.3739% | 5,781 |
| Return on Equity (ROE) | 3.1263% | 5,638 |
| Retained earnings to average equity (ytd only) | 3.1263% | 4,674 |
| Net charge-offs to loans | 0.4032% | 2,483 |
| Credit loss provision to net charge-offs | 84.8896% | 3,464 |
| Earnings coverage of net charge-offs (x) | 2.2700% | 4,131 |
| Efficiency ratio | 83.4242% | 1,649 |
| Assets per employee ($millions) | 3.3650% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 4,546 |
| Loan loss allowance to noncurrent loans | 100.9897% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.2321% | 3,826 |
| Noncurrent loans to loans | 1.3447% | 3,780 |
| Net loans and leases to total assets | 64.3436% | 2,966 |
| Net loans and leases to deposits | 78.6446% | 2,574 |
| Net loans and leases to core deposits | 83.3540% | 2,769 |
| Total domestic deposits to total assets | 81.8157% | 5,089 |
| Equity capital to assets | 9.0691% | 5,752 |
| Core capital (leverage) ratio | 8.4291% | 5,861 |
| Tier 1 risk-based capital ratio | 13.8286% | 4,671 |
| Total risk-based capital ratio | 15.0811% | 4,627 |
| Memoranda: | ||
| Average total assets | $303,473,250 | 2,133 |
| Average earning assets | $276,409,000 | 2,147 |
| Average equity | $26,698,000 | 2,527 |
| Average total loans | $194,785,250 | 2,079 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 5,358 |
| Cost of funding earning assets | 1.0726% | 1,346 |
| Net interest margin | 3.0171% | 6,207 |
| Noninterest income to average assets | 0.7139% | 2,585 |
| Noninterest expense to average assets | 2.9193% | 3,550 |
| Loan and lease loss provision to assets | 0.2297% | 2,776 |
| Net operating income to assets | 0.2392% | 5,798 |
| Return on assets (ROA) | 0.2461% | 5,967 |
| Pretax return on assets | 0.3261% | 5,907 |
| Return on Equity (ROE) | 2.8255% | 5,752 |
| Retained earnings to average equity (ytd only) | 2.8255% | 4,743 |
| Net charge-offs to loans | 0.3556% | 2,595 |
| Credit loss provision to net charge-offs | 101.1561% | 2,689 |
| Earnings coverage of net charge-offs (x) | 2.4075% | 3,793 |
| Efficiency ratio | 84.2295% | 1,602 |
| Assets per employee ($millions) | 3.5156% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 4,414 |
| Loan loss allowance to noncurrent loans | 89.6799% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.3957% | 3,633 |
| Noncurrent loans to loans | 1.5742% | 3,546 |
| Net loans and leases to total assets | 61.2886% | 3,576 |
| Net loans and leases to deposits | 76.9910% | 2,834 |
| Net loans and leases to core deposits | 83.0253% | 2,822 |
| Total domestic deposits to total assets | 79.6050% | 5,837 |
| Equity capital to assets | 8.5573% | 6,157 |
| Core capital (leverage) ratio | 8.3036% | 5,906 |
| Tier 1 risk-based capital ratio | 13.5909% | 4,749 |
| Total risk-based capital ratio | 14.8445% | 4,718 |
| Memoranda: | ||
| Average total assets | $304,801,330 | 2,127 |
| Average earning assets | $278,012,000 | 2,134 |
| Average equity | $26,543,670 | 2,528 |
| Average total loans | $194,595,330 | 2,075 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1831% | 5,168 |
| Cost of funding earning assets | 1.1385% | 1,221 |
| Net interest margin | 3.0447% | 6,201 |
| Noninterest income to average assets | 0.6277% | 3,068 |
| Noninterest expense to average assets | 2.9180% | 3,545 |
| Loan and lease loss provision to assets | 0.2660% | 2,329 |
| Net operating income to assets | 0.1676% | 6,070 |
| Return on assets (ROA) | 0.1676% | 6,209 |
| Pretax return on assets | 0.2181% | 6,162 |
| Return on Equity (ROE) | 1.9071% | 6,101 |
| Retained earnings to average equity (ytd only) | 1.9071% | 5,298 |
| Net charge-offs to loans | 0.0452% | 4,066 |
| Credit loss provision to net charge-offs | 909.0909% | 387 |
| Earnings coverage of net charge-offs (x) | 16.5455% | 1,358 |
| Efficiency ratio | 85.7701% | 1,503 |
| Assets per employee ($millions) | 3.7457% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 4,143 |
| Loan loss allowance to noncurrent loans | 77.1466% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.4426% | 3,702 |
| Noncurrent loans to loans | 1.9477% | 3,224 |
| Net loans and leases to total assets | 62.3175% | 3,190 |
| Net loans and leases to deposits | 78.5511% | 2,409 |
| Net loans and leases to core deposits | 85.8558% | 2,308 |
| Total domestic deposits to total assets | 79.3337% | 6,007 |
| Equity capital to assets | 8.6209% | 5,967 |
| Core capital (leverage) ratio | 8.3641% | 5,788 |
| Tier 1 risk-based capital ratio | 13.5961% | 4,754 |
| Total risk-based capital ratio | 14.8518% | 4,739 |
| Memoranda: | ||
| Average total assets | $300,757,000 | 2,162 |
| Average earning assets | $274,054,000 | 2,171 |
| Average equity | $26,428,000 | 2,534 |
| Average total loans | $194,637,000 | 2,082 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 5,011 |
| Cost of funding earning assets | 1.3068% | 1,453 |
| Net interest margin | 3.2090% | 6,068 |
| Noninterest income to average assets | 0.7073% | 2,554 |
| Noninterest expense to average assets | 2.9460% | 3,791 |
| Loan and lease loss provision to assets | 0.3159% | 3,150 |
| Net operating income to assets | 0.2597% | 5,401 |
| Return on assets (ROA) | 0.2599% | 5,544 |
| Pretax return on assets | 0.3749% | 5,366 |
| Return on Equity (ROE) | 2.9290% | 5,314 |
| Retained earnings to average equity (ytd only) | 2.7974% | 4,249 |
| Net charge-offs to loans | 0.2042% | 4,522 |
| Credit loss provision to net charge-offs | 226.0442% | 1,075 |
| Earnings coverage of net charge-offs (x) | 4.9410% | 2,934 |
| Efficiency ratio | 81.0122% | 2,158 |
| Assets per employee ($millions) | 3.5466% | 4,898 |
| Cash dividends to net income (ytd only)* | 4.4914% | 3,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 4,424 |
| Loan loss allowance to noncurrent loans | 70.3257% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.5960% | 3,558 |
| Noncurrent loans to loans | 2.0000% | 3,205 |
| Net loans and leases to total assets | 65.2946% | 2,918 |
| Net loans and leases to deposits | 84.7032% | 1,842 |
| Net loans and leases to core deposits | 90.9248% | 1,998 |
| Total domestic deposits to total assets | 77.0863% | 6,327 |
| Equity capital to assets | 8.9606% | 5,590 |
| Core capital (leverage) ratio | 8.6745% | 5,288 |
| Tier 1 risk-based capital ratio | 13.7881% | 4,490 |
| Total risk-based capital ratio | 15.0429% | 4,444 |
| Memoranda: | ||
| Average total assets | $291,239,400 | 2,187 |
| Average earning assets | $265,845,600 | 2,198 |
| Average equity | $25,845,000 | 2,494 |
| Average total loans | $199,298,800 | 2,054 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 5,035 |
| Cost of funding earning assets | 1.3479% | 1,462 |
| Net interest margin | 3.2133% | 6,129 |
| Noninterest income to average assets | 0.6982% | 2,625 |
| Noninterest expense to average assets | 2.9025% | 3,923 |
| Loan and lease loss provision to assets | 0.3305% | 2,897 |
| Net operating income to assets | 0.2728% | 5,496 |
| Return on assets (ROA) | 0.2731% | 5,656 |
| Pretax return on assets | 0.4039% | 5,454 |
| Return on Equity (ROE) | 3.0854% | 5,380 |
| Retained earnings to average equity (ytd only) | 2.9091% | 4,619 |
| Net charge-offs to loans | 0.2216% | 4,050 |
| Credit loss provision to net charge-offs | 216.2162% | 1,327 |
| Earnings coverage of net charge-offs (x) | 4.8018% | 2,959 |
| Efficiency ratio | 79.8157% | 2,278 |
| Assets per employee ($millions) | 3.5681% | 4,831 |
| Cash dividends to net income (ytd only)* | 5.7140% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 4,824 |
| Loan loss allowance to noncurrent loans | 52.6888% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 2.0930% | 3,038 |
| Noncurrent loans to loans | 2.5400% | 2,732 |
| Net loans and leases to total assets | 66.7300% | 2,733 |
| Net loans and leases to deposits | 87.0071% | 1,554 |
| Net loans and leases to core deposits | 92.5068% | 1,937 |
| Total domestic deposits to total assets | 76.6949% | 6,424 |
| Equity capital to assets | 9.0930% | 5,647 |
| Core capital (leverage) ratio | 8.4328% | 5,803 |
| Tier 1 risk-based capital ratio | 13.8311% | 4,473 |
| Total risk-based capital ratio | 15.0851% | 4,436 |
| Memoranda: | ||
| Average total assets | $290,457,750 | 2,206 |
| Average earning assets | $265,597,000 | 2,208 |
| Average equity | $25,712,000 | 2,508 |
| Average total loans | $200,386,750 | 2,060 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 5,041 |
| Cost of funding earning assets | 1.3589% | 1,605 |
| Net interest margin | 3.2239% | 6,084 |
| Noninterest income to average assets | 0.6682% | 2,725 |
| Noninterest expense to average assets | 2.8700% | 4,141 |
| Loan and lease loss provision to assets | 0.3300% | 2,802 |
| Net operating income to assets | 0.2867% | 5,420 |
| Return on assets (ROA) | 0.2867% | 5,559 |
| Pretax return on assets | 0.4235% | 5,326 |
| Return on Equity (ROE) | 3.2677% | 5,271 |
| Retained earnings to average equity (ytd only) | 3.0013% | 4,369 |
| Net charge-offs to loans | 0.2495% | 3,632 |
| Credit loss provision to net charge-offs | 190.4762% | 1,584 |
| Earnings coverage of net charge-offs (x) | 4.3492% | 2,881 |
| Efficiency ratio | 79.2070% | 2,521 |
| Assets per employee ($millions) | 3.3594% | 5,306 |
| Cash dividends to net income (ytd only)* | 8.1535% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 5,417 |
| Loan loss allowance to noncurrent loans | 49.1597% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 2.1927% | 2,993 |
| Noncurrent loans to loans | 2.5015% | 2,888 |
| Net loans and leases to total assets | 68.3072% | 2,558 |
| Net loans and leases to deposits | 88.7667% | 1,398 |
| Net loans and leases to core deposits | 95.1584% | 1,769 |
| Total domestic deposits to total assets | 76.9514% | 6,458 |
| Equity capital to assets | 8.9280% | 5,680 |
| Core capital (leverage) ratio | 8.5522% | 5,469 |
| Tier 1 risk-based capital ratio | 13.5332% | 4,497 |
| Total risk-based capital ratio | 14.7852% | 4,487 |
| Memoranda: | ||
| Average total assets | $290,939,000 | 2,213 |
| Average earning assets | $266,695,000 | 2,205 |
| Average equity | $25,522,670 | 2,509 |
| Average total loans | $202,024,000 | 2,068 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5523% | 5,160 |
| Cost of funding earning assets | 1.4001% | 1,606 |
| Net interest margin | 3.1522% | 6,214 |
| Noninterest income to average assets | 0.6275% | 2,986 |
| Noninterest expense to average assets | 2.7785% | 4,534 |
| Loan and lease loss provision to assets | 0.3288% | 2,578 |
| Net operating income to assets | 0.2946% | 5,435 |
| Return on assets (ROA) | 0.2946% | 5,506 |
| Pretax return on assets | 0.4165% | 5,291 |
| Return on Equity (ROE) | 3.3876% | 5,205 |
| Retained earnings to average equity (ytd only) | 2.8519% | 4,458 |
| Net charge-offs to loans | 0.3702% | 2,587 |
| Credit loss provision to net charge-offs | 127.6596% | 2,162 |
| Earnings coverage of net charge-offs (x) | 2.8936% | 2,930 |
| Efficiency ratio | 78.8491% | 2,710 |
| Assets per employee ($millions) | 3.7764% | 4,355 |
| Cash dividends to net income (ytd only)* | 15.8140% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 5,894 |
| Loan loss allowance to noncurrent loans | 67.0291% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.7153% | 3,685 |
| Noncurrent loans to loans | 1.6982% | 3,945 |
| Net loans and leases to total assets | 69.0277% | 2,319 |
| Net loans and leases to deposits | 89.8643% | 1,249 |
| Net loans and leases to core deposits | 97.9579% | 1,530 |
| Total domestic deposits to total assets | 76.8133% | 6,566 |
| Equity capital to assets | 8.8709% | 5,391 |
| Core capital (leverage) ratio | 8.3608% | 5,700 |
| Tier 1 risk-based capital ratio | 13.5459% | 4,395 |
| Total risk-based capital ratio | 14.7972% | 4,360 |
| Memoranda: | ||
| Average total assets | $291,953,000 | 2,211 |
| Average earning assets | $268,260,000 | 2,212 |
| Average equity | $25,387,000 | 2,506 |
| Average total loans | $203,134,000 | 2,077 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 5,277 |
| Cost of funding earning assets | 1.6690% | 1,733 |
| Net interest margin | 3.1703% | 6,336 |
| Noninterest income to average assets | 0.6471% | 3,171 |
| Noninterest expense to average assets | 2.6001% | 5,411 |
| Loan and lease loss provision to assets | 0.3774% | 3,856 |
| Net operating income to assets | 0.3761% | 4,654 |
| Return on assets (ROA) | 0.3771% | 4,797 |
| Pretax return on assets | 0.5575% | 4,456 |
| Return on Equity (ROE) | 4.3958% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.5199% | 3,393 |
| Net charge-offs to loans | 0.3926% | 4,074 |
| Credit loss provision to net charge-offs | 138.1910% | 2,763 |
| Earnings coverage of net charge-offs (x) | 3.4183% | 3,376 |
| Efficiency ratio | 73.5800% | 3,477 |
| Assets per employee ($millions) | 4.0671% | 3,645 |
| Cash dividends to net income (ytd only)* | 19.9272% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 6,013 |
| Loan loss allowance to noncurrent loans | 66.3590% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.5581% | 3,970 |
| Noncurrent loans to loans | 1.6316% | 4,055 |
| Net loans and leases to total assets | 68.5902% | 2,842 |
| Net loans and leases to deposits | 88.9054% | 1,660 |
| Net loans and leases to core deposits | 96.2305% | 1,980 |
| Total domestic deposits to total assets | 77.1496% | 6,460 |
| Equity capital to assets | 8.5261% | 5,817 |
| Core capital (leverage) ratio | 8.6022% | 5,192 |
| Tier 1 risk-based capital ratio | 13.3400% | 4,339 |
| Total risk-based capital ratio | 14.5759% | 4,315 |
| Memoranda: | ||
| Average total assets | $291,454,800 | 2,203 |
| Average earning assets | $265,370,200 | 2,212 |
| Average equity | $25,001,000 | 2,557 |
| Average total loans | $202,776,000 | 2,128 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 5,234 |
| Cost of funding earning assets | 1.7450% | 1,650 |
| Net interest margin | 3.1618% | 6,451 |
| Noninterest income to average assets | 0.6393% | 3,194 |
| Noninterest expense to average assets | 2.5959% | 5,342 |
| Loan and lease loss provision to assets | 0.3102% | 4,097 |
| Net operating income to assets | 0.4083% | 4,718 |
| Return on assets (ROA) | 0.4095% | 4,889 |
| Pretax return on assets | 0.6048% | 4,579 |
| Return on Equity (ROE) | 4.7666% | 4,418 |
| Retained earnings to average equity (ytd only) | 3.7769% | 3,805 |
| Net charge-offs to loans | 0.1413% | 5,168 |
| Credit loss provision to net charge-offs | 315.4206% | 998 |
| Earnings coverage of net charge-offs (x) | 9.2849% | 2,046 |
| Efficiency ratio | 73.9751% | 3,329 |
| Assets per employee ($millions) | 3.7898% | 4,296 |
| Cash dividends to net income (ytd only)* | 20.7632% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 5,680 |
| Loan loss allowance to noncurrent loans | 68.3080% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.6431% | 3,976 |
| Noncurrent loans to loans | 1.6934% | 4,099 |
| Net loans and leases to total assets | 72.7013% | 2,075 |
| Net loans and leases to deposits | 97.1284% | 874 |
| Net loans and leases to core deposits | 106.0045% | 1,320 |
| Total domestic deposits to total assets | 74.8508% | 6,814 |
| Equity capital to assets | 9.0723% | 5,486 |
| Core capital (leverage) ratio | 8.4518% | 5,597 |
| Tier 1 risk-based capital ratio | 13.5496% | 4,161 |
| Total risk-based capital ratio | 14.8016% | 4,109 |
| Memoranda: | ||
| Average total assets | $290,093,250 | 2,242 |
| Average earning assets | $263,299,750 | 2,264 |
| Average equity | $24,922,750 | 2,599 |
| Average total loans | $202,001,500 | 2,167 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 5,403 |
| Cost of funding earning assets | 1.7933% | 1,666 |
| Net interest margin | 3.1032% | 6,603 |
| Noninterest income to average assets | 0.6335% | 3,106 |
| Noninterest expense to average assets | 2.5598% | 5,490 |
| Loan and lease loss provision to assets | 0.3068% | 3,932 |
| Net operating income to assets | 0.3880% | 4,805 |
| Return on assets (ROA) | 0.3894% | 4,964 |
| Pretax return on assets | 0.5748% | 4,648 |
| Return on Equity (ROE) | 4.6143% | 4,483 |
| Retained earnings to average equity (ytd only) | 3.4264% | 3,930 |
| Net charge-offs to loans | 0.1197% | 4,982 |
| Credit loss provision to net charge-offs | 375.0000% | 968 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 1,848 |
| Efficiency ratio | 74.4251% | 3,390 |
| Assets per employee ($millions) | 3.9094% | 3,950 |
| Cash dividends to net income (ytd only)* | 25.7443% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 5,823 |
| Loan loss allowance to noncurrent loans | 74.0558% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.3820% | 4,410 |
| Noncurrent loans to loans | 1.5183% | 4,432 |
| Net loans and leases to total assets | 68.5472% | 3,237 |
| Net loans and leases to deposits | 88.8116% | 2,033 |
| Net loans and leases to core deposits | 100.0949% | 2,006 |
| Total domestic deposits to total assets | 77.1827% | 6,452 |
| Equity capital to assets | 8.7565% | 5,804 |
| Core capital (leverage) ratio | 8.1958% | 5,944 |
| Tier 1 risk-based capital ratio | 13.4969% | 4,066 |
| Total risk-based capital ratio | 14.7475% | 4,033 |
| Memoranda: | ||
| Average total assets | $293,309,000 | 2,244 |
| Average earning assets | $265,207,670 | 2,266 |
| Average equity | $24,749,330 | 2,615 |
| Average total loans | $200,577,330 | 2,210 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9106% | 5,410 |
| Cost of funding earning assets | 1.8253% | 1,772 |
| Net interest margin | 3.0853% | 6,635 |
| Noninterest income to average assets | 0.5919% | 3,330 |
| Noninterest expense to average assets | 2.5735% | 5,463 |
| Loan and lease loss provision to assets | 0.3048% | 3,602 |
| Net operating income to assets | 0.3304% | 5,164 |
| Return on assets (ROA) | 0.3332% | 5,278 |
| Pretax return on assets | 0.4903% | 4,995 |
| Return on Equity (ROE) | 4.0232% | 4,887 |
| Retained earnings to average equity (ytd only) | 2.8293% | 4,438 |
| Net charge-offs to loans | 0.1934% | 3,758 |
| Credit loss provision to net charge-offs | 231.9588% | 1,643 |
| Earnings coverage of net charge-offs (x) | 6.0206% | 2,297 |
| Efficiency ratio | 76.4895% | 3,134 |
| Assets per employee ($millions) | 4.1834% | 3,493 |
| Cash dividends to net income (ytd only)* | 29.6748% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 6,378 |
| Loan loss allowance to noncurrent loans | 68.4562% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.3346% | 4,517 |
| Noncurrent loans to loans | 1.4844% | 4,516 |
| Net loans and leases to total assets | 67.3314% | 3,544 |
| Net loans and leases to deposits | 85.1262% | 2,741 |
| Net loans and leases to core deposits | 97.0617% | 2,455 |
| Total domestic deposits to total assets | 79.0960% | 6,056 |
| Equity capital to assets | 8.2793% | 6,330 |
| Core capital (leverage) ratio | 7.9410% | 6,323 |
| Tier 1 risk-based capital ratio | 13.2691% | 4,152 |
| Total risk-based capital ratio | 14.4356% | 4,177 |
| Memoranda: | ||
| Average total assets | $295,316,500 | 2,273 |
| Average earning assets | $265,387,500 | 2,313 |
| Average equity | $24,458,000 | 2,671 |
| Average total loans | $200,587,000 | 2,275 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2933% | 5,206 |
| Cost of funding earning assets | 2.2324% | 1,890 |
| Net interest margin | 3.0609% | 6,489 |
| Noninterest income to average assets | 0.6615% | 3,211 |
| Noninterest expense to average assets | 2.7064% | 5,361 |
| Loan and lease loss provision to assets | 0.3346% | 4,801 |
| Net operating income to assets | 0.2607% | 4,677 |
| Return on assets (ROA) | 0.2615% | 4,764 |
| Pretax return on assets | 0.3597% | 4,616 |
| Return on Equity (ROE) | 2.9884% | 4,507 |
| Retained earnings to average equity (ytd only) | 1.6916% | 3,903 |
| Net charge-offs to loans | 0.3360% | 4,554 |
| Credit loss provision to net charge-offs | 147.9100% | 3,170 |
| Earnings coverage of net charge-offs (x) | 3.0643% | 3,536 |
| Efficiency ratio | 79.6106% | 2,937 |
| Assets per employee ($millions) | 4.0780% | 3,660 |
| Cash dividends to net income (ytd only)* | 43.3936% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 6,550 |
| Loan loss allowance to noncurrent loans | 57.6693% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.4543% | 4,235 |
| Noncurrent loans to loans | 1.6763% | 4,136 |
| Net loans and leases to total assets | 67.1661% | 3,884 |
| Net loans and leases to deposits | 86.9939% | 2,739 |
| Net loans and leases to core deposits | 112.1181% | 2,686 |
| Total domestic deposits to total assets | 77.2078% | 6,414 |
| Equity capital to assets | 8.2847% | 6,220 |
| Core capital (leverage) ratio | 8.0221% | 6,137 |
| Tier 1 risk-based capital ratio | 13.2553% | 3,982 |
| Total risk-based capital ratio | 14.3561% | 4,025 |
| Memoranda: | ||
| Average total assets | $274,974,400 | 2,380 |
| Average earning assets | $245,971,200 | 2,443 |
| Average equity | $24,060,000 | 2,721 |
| Average total loans | $185,107,200 | 2,456 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3416% | 5,216 |
| Cost of funding earning assets | 2.2742% | 2,095 |
| Net interest margin | 3.0674% | 6,410 |
| Noninterest income to average assets | 0.6752% | 3,180 |
| Noninterest expense to average assets | 2.7626% | 5,055 |
| Loan and lease loss provision to assets | 0.3502% | 4,221 |
| Net operating income to assets | 0.2336% | 5,046 |
| Return on assets (ROA) | 0.2343% | 5,123 |
| Pretax return on assets | 0.3216% | 5,002 |
| Return on Equity (ROE) | 2.6395% | 4,937 |
| Retained earnings to average equity (ytd only) | 1.3170% | 4,586 |
| Net charge-offs to loans | 0.4258% | 3,553 |
| Credit loss provision to net charge-offs | 122.4138% | 4,139 |
| Earnings coverage of net charge-offs (x) | 2.3448% | 4,065 |
| Efficiency ratio | 80.4626% | 2,780 |
| Assets per employee ($millions) | 3.8673% | 4,029 |
| Cash dividends to net income (ytd only)* | 50.1058% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 6,735 |
| Loan loss allowance to noncurrent loans | 59.3581% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.2859% | 4,507 |
| Noncurrent loans to loans | 1.5265% | 4,365 |
| Net loans and leases to total assets | 67.1438% | 4,151 |
| Net loans and leases to deposits | 90.2156% | 2,537 |
| Net loans and leases to core deposits | 116.7076% | 2,550 |
| Total domestic deposits to total assets | 74.4259% | 6,876 |
| Equity capital to assets | 8.5107% | 6,237 |
| Core capital (leverage) ratio | 8.3292% | 5,786 |
| Tier 1 risk-based capital ratio | 13.4101% | 3,918 |
| Total risk-based capital ratio | 14.4342% | 4,001 |
| Memoranda: | ||
| Average total assets | $270,314,500 | 2,424 |
| Average earning assets | $243,069,500 | 2,485 |
| Average equity | $23,993,750 | 2,758 |
| Average total loans | $181,600,500 | 2,521 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5148% | 4,542 |
| Cost of funding earning assets | 2.3578% | 2,133 |
| Net interest margin | 3.1570% | 6,073 |
| Noninterest income to average assets | 0.6784% | 3,127 |
| Noninterest expense to average assets | 2.8359% | 4,798 |
| Loan and lease loss provision to assets | 0.3170% | 4,045 |
| Net operating income to assets | 0.2426% | 5,117 |
| Return on assets (ROA) | 0.2437% | 5,204 |
| Pretax return on assets | 0.3351% | 5,113 |
| Return on Equity (ROE) | 2.7060% | 5,012 |
| Retained earnings to average equity (ytd only) | 1.3488% | 4,588 |
| Net charge-offs to loans | 0.1273% | 4,895 |
| Credit loss provision to net charge-offs | 371.6814% | 1,248 |
| Earnings coverage of net charge-offs (x) | 7.6283% | 2,417 |
| Efficiency ratio | 81.3420% | 2,834 |
| Assets per employee ($millions) | 3.5521% | 4,681 |
| Cash dividends to net income (ytd only)* | 50.1548% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 5,883 |
| Loan loss allowance to noncurrent loans | 119.6782% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 5,653 |
| Noncurrent loans to loans | 0.8805% | 5,449 |
| Net loans and leases to total assets | 69.0869% | 3,924 |
| Net loans and leases to deposits | 92.5033% | 2,369 |
| Net loans and leases to core deposits | 119.0238% | 2,454 |
| Total domestic deposits to total assets | 74.6859% | 6,827 |
| Equity capital to assets | 9.0937% | 5,167 |
| Core capital (leverage) ratio | 8.6275% | 5,215 |
| Tier 1 risk-based capital ratio | 14.2499% | 3,379 |
| Total risk-based capital ratio | 15.4516% | 3,339 |
| Memoranda: | ||
| Average total assets | $265,026,000 | 2,489 |
| Average earning assets | $235,728,670 | 2,566 |
| Average equity | $23,873,000 | 2,770 |
| Average total loans | $177,497,670 | 2,610 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5549% | 4,611 |
| Cost of funding earning assets | 2.4066% | 2,264 |
| Net interest margin | 3.1484% | 6,025 |
| Noninterest income to average assets | 0.6178% | 3,422 |
| Noninterest expense to average assets | 2.6936% | 5,041 |
| Loan and lease loss provision to assets | 0.3157% | 3,444 |
| Net operating income to assets | 0.2706% | 5,406 |
| Return on assets (ROA) | 0.2706% | 5,572 |
| Pretax return on assets | 0.3773% | 5,459 |
| Return on Equity (ROE) | 3.0179% | 5,364 |
| Retained earnings to average equity (ytd only) | 1.6263% | 4,935 |
| Net charge-offs to loans | 0.0160% | 5,353 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 65.8571% | 607 |
| Efficiency ratio | 79.5384% | 2,904 |
| Assets per employee ($millions) | 3.6757% | 4,390 |
| Cash dividends to net income (ytd only)* | 46.1111% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 5,924 |
| Loan loss allowance to noncurrent loans | 136.5672% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 5,951 |
| Noncurrent loans to loans | 0.7550% | 5,536 |
| Net loans and leases to total assets | 65.4644% | 4,713 |
| Net loans and leases to deposits | 87.0723% | 3,457 |
| Net loans and leases to core deposits | 110.5804% | 3,358 |
| Total domestic deposits to total assets | 75.1839% | 6,667 |
| Equity capital to assets | 8.9715% | 5,390 |
| Core capital (leverage) ratio | 8.6713% | 5,206 |
| Tier 1 risk-based capital ratio | 14.5007% | 3,311 |
| Total risk-based capital ratio | 15.6611% | 3,283 |
| Memoranda: | ||
| Average total assets | $266,112,500 | 2,495 |
| Average earning assets | $234,027,000 | 2,598 |
| Average equity | $23,858,000 | 2,784 |
| Average total loans | $174,481,000 | 2,663 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2247% | 4,392 |
| Cost of funding earning assets | 2.9019% | 2,259 |
| Net interest margin | 3.3227% | 5,960 |
| Noninterest income to average assets | 0.7513% | 2,773 |
| Noninterest expense to average assets | 2.9421% | 4,290 |
| Loan and lease loss provision to assets | 0.2909% | 4,053 |
| Net operating income to assets | 0.3042% | 5,529 |
| Return on assets (ROA) | 0.3528% | 5,151 |
| Pretax return on assets | 0.5398% | 4,882 |
| Return on Equity (ROE) | 3.7185% | 4,935 |
| Retained earnings to average equity (ytd only) | 2.1505% | 3,892 |
| Net charge-offs to loans | 0.2995% | 3,393 |
| Credit loss provision to net charge-offs | 146.4435% | 3,602 |
| Earnings coverage of net charge-offs (x) | 3.8054% | 4,220 |
| Efficiency ratio | 79.5595% | 2,659 |
| Assets per employee ($millions) | 3.6151% | 4,379 |
| Cash dividends to net income (ytd only)* | 42.1673% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 6,400 |
| Loan loss allowance to noncurrent loans | 104.2281% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 5,309 |
| Noncurrent loans to loans | 0.9103% | 4,804 |
| Net loans and leases to total assets | 64.3606% | 5,197 |
| Net loans and leases to deposits | 93.2872% | 2,905 |
| Net loans and leases to core deposits | 112.5590% | 3,503 |
| Total domestic deposits to total assets | 68.9919% | 7,387 |
| Equity capital to assets | 8.9591% | 5,422 |
| Core capital (leverage) ratio | 8.9326% | 4,844 |
| Tier 1 risk-based capital ratio | 14.7592% | 3,167 |
| Total risk-based capital ratio | 15.8138% | 3,186 |
| Memoranda: | ||
| Average total assets | $240,644,200 | 2,650 |
| Average earning assets | $213,408,800 | 2,730 |
| Average equity | $22,832,000 | 2,868 |
| Average total loans | $159,621,000 | 2,772 |