Home > First Hope Bank, A National Banking Association > Performance and Condition Ratios
First Hope Bank, A National Banking Association, 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 | 4.0202% | 3,935 |
| Cost of funding earning assets | 0.7586% | 3,841 |
| Net interest margin | 3.2616% | 2,729 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 3.3244% | 724 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.4219% | 3,822 |
| Return on assets (ROA) | 0.4225% | 3,820 |
| Pretax return on assets | 0.5167% | 3,777 |
| Return on Equity (ROE) | 5.8300% | 3,553 |
| Retained earnings to average equity (ytd only) | 5.1256% | 2,569 |
| Net charge-offs to loans | -0.0175% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.5418% | 589 |
| Assets per employee ($millions) | 6.4080% | 2,477 |
| Cash dividends to net income (ytd only)* | 12.0526% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 1,992 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.5600% | 2,617 |
| Net loans and leases to deposits | 69.2683% | 2,932 |
| Net loans and leases to core deposits | 70.5608% | 3,274 |
| Total domestic deposits to total assets | 90.3100% | 673 |
| Equity capital to assets | 7.7586% | 3,571 |
| Core capital (leverage) ratio | 9.0520% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4445% | 1,704 |
| Memoranda: | ||
| Average total assets | $648,006,000 | 1,378 |
| Average earning assets | $607,683,800 | 1,365 |
| Average equity | $46,980,200 | 1,679 |
| Average total loans | $399,112,200 | 1,474 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 3,947 |
| Cost of funding earning assets | 0.6839% | 3,802 |
| Net interest margin | 3.2490% | 2,805 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 3.3242% | 700 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.4067% | 3,958 |
| Return on assets (ROA) | 0.4075% | 3,944 |
| Pretax return on assets | 0.4959% | 3,909 |
| Return on Equity (ROE) | 5.7200% | 3,686 |
| Retained earnings to average equity (ytd only) | 5.0428% | 2,919 |
| Net charge-offs to loans | -0.0047% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.6788% | 528 |
| Assets per employee ($millions) | 6.3940% | 2,408 |
| Cash dividends to net income (ytd only)* | 11.8328% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 1,990 |
| Loan loss allowance to noncurrent loans | 775.8089% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 2,892 |
| Noncurrent loans to loans | 0.1643% | 2,726 |
| Net loans and leases to total assets | 61.6100% | 2,689 |
| Net loans and leases to deposits | 67.9459% | 2,983 |
| Net loans and leases to core deposits | 69.1619% | 3,257 |
| Total domestic deposits to total assets | 90.6700% | 753 |
| Equity capital to assets | 7.1637% | 3,533 |
| Core capital (leverage) ratio | 8.9403% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4952% | 1,716 |
| Memoranda: | ||
| Average total assets | $649,808,000 | 1,375 |
| Average earning assets | $609,657,250 | 1,358 |
| Average equity | $46,296,000 | 1,687 |
| Average total loans | $397,403,250 | 1,470 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8452% | 3,959 |
| Cost of funding earning assets | 0.5960% | 3,761 |
| Net interest margin | 3.2492% | 2,868 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 3.2966% | 692 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.4159% | 3,978 |
| Return on assets (ROA) | 0.4171% | 3,980 |
| Pretax return on assets | 0.5120% | 3,947 |
| Return on Equity (ROE) | 5.8700% | 3,723 |
| Retained earnings to average equity (ytd only) | 4.8571% | 2,975 |
| Net charge-offs to loans | -0.0050% | 3,715 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.0295% | 544 |
| Assets per employee ($millions) | 5.6862% | 2,990 |
| Cash dividends to net income (ytd only)* | 17.1909% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,205 |
| Loan loss allowance to noncurrent loans | 747.5904% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 2,807 |
| Noncurrent loans to loans | 0.1664% | 2,645 |
| Net loans and leases to total assets | 61.8900% | 2,585 |
| Net loans and leases to deposits | 68.1599% | 2,913 |
| Net loans and leases to core deposits | 69.0887% | 3,176 |
| Total domestic deposits to total assets | 90.8000% | 703 |
| Equity capital to assets | 7.3050% | 3,629 |
| Core capital (leverage) ratio | 8.9059% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3503% | 1,774 |
| Memoranda: | ||
| Average total assets | $655,407,667 | 1,367 |
| Average earning assets | $615,784,667 | 1,349 |
| Average equity | $46,612,333 | 1,680 |
| Average total loans | $398,195,333 | 1,460 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7970% | 3,861 |
| Cost of funding earning assets | 0.5234% | 3,618 |
| Net interest margin | 3.2736% | 2,941 |
| Noninterest income to average assets | 0.8300% | 803 |
| Noninterest expense to average assets | 3.2316% | 766 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.4736% | 3,962 |
| Return on assets (ROA) | 0.4760% | 3,908 |
| Pretax return on assets | 0.6000% | 3,837 |
| Return on Equity (ROE) | 6.7800% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.7813% | 2,556 |
| Net charge-offs to loans | -0.0060% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.6281% | 665 |
| Assets per employee ($millions) | 5.9608% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 2,463 |
| Loan loss allowance to noncurrent loans | 711.6959% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 2,789 |
| Noncurrent loans to loans | 0.1712% | 2,628 |
| Net loans and leases to total assets | 60.7300% | 2,579 |
| Net loans and leases to deposits | 66.8177% | 2,861 |
| Net loans and leases to core deposits | 67.5834% | 3,127 |
| Total domestic deposits to total assets | 90.8900% | 834 |
| Equity capital to assets | 7.2492% | 3,703 |
| Core capital (leverage) ratio | 8.5083% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2318% | 1,896 |
| Memoranda: | ||
| Average total assets | $664,684,000 | 1,376 |
| Average earning assets | $625,118,000 | 1,353 |
| Average equity | $46,657,500 | 1,694 |
| Average total loans | $397,737,500 | 1,478 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1593% | 3,892 |
| Cost of funding earning assets | 0.2443% | 3,373 |
| Net interest margin | 2.9150% | 3,645 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.8811% | 1,156 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.4604% | 4,155 |
| Return on assets (ROA) | 0.4604% | 4,112 |
| Pretax return on assets | 0.5952% | 4,034 |
| Return on Equity (ROE) | 6.8600% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.5568% | 2,428 |
| Net charge-offs to loans | 0.0581% | 1,067 |
| Credit loss provision to net charge-offs | 194.7598% | 1,143 |
| Earnings coverage of net charge-offs (x) | 20.3624% | 1,884 |
| Efficiency ratio | 81.4053% | 629 |
| Assets per employee ($millions) | 6.3518% | 2,464 |
| Cash dividends to net income (ytd only)* | 4.4451% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,424 |
| Loan loss allowance to noncurrent loans | 651.7241% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 2,777 |
| Noncurrent loans to loans | 0.1831% | 2,571 |
| Net loans and leases to total assets | 57.5700% | 2,862 |
| Net loans and leases to deposits | 62.9460% | 3,116 |
| Net loans and leases to core deposits | 64.1621% | 3,252 |
| Total domestic deposits to total assets | 91.4600% | 789 |
| Equity capital to assets | 6.7999% | 3,771 |
| Core capital (leverage) ratio | 7.8517% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0589% | 1,956 |
| Memoranda: | ||
| Average total assets | $708,552,400 | 1,297 |
| Average earning assets | $670,047,400 | 1,275 |
| Average equity | $47,538,400 | 1,687 |
| Average total loans | $394,015,600 | 1,416 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9514% | 3,979 |
| Cost of funding earning assets | 0.1922% | 3,369 |
| Net interest margin | 2.7592% | 3,816 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.8228% | 1,202 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.4038% | 4,240 |
| Return on assets (ROA) | 0.4038% | 4,182 |
| Pretax return on assets | 0.5182% | 4,119 |
| Return on Equity (ROE) | 6.0400% | 3,792 |
| Retained earnings to average equity (ytd only) | 5.8993% | 2,784 |
| Net charge-offs to loans | 0.0796% | 742 |
| Credit loss provision to net charge-offs | 116.5957% | 1,234 |
| Earnings coverage of net charge-offs (x) | 13.0043% | 1,900 |
| Efficiency ratio | 83.2180% | 594 |
| Assets per employee ($millions) | 7.1050% | 1,874 |
| Cash dividends to net income (ytd only)* | 2.3063% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 2,819 |
| Loan loss allowance to noncurrent loans | 593.6031% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 2,911 |
| Noncurrent loans to loans | 0.1928% | 2,637 |
| Net loans and leases to total assets | 54.2000% | 3,081 |
| Net loans and leases to deposits | 58.9339% | 3,284 |
| Net loans and leases to core deposits | 59.8729% | 3,394 |
| Total domestic deposits to total assets | 91.9700% | 883 |
| Equity capital to assets | 6.0752% | 3,936 |
| Core capital (leverage) ratio | 7.5570% | 4,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9311% | 2,082 |
| Memoranda: | ||
| Average total assets | $715,779,750 | 1,301 |
| Average earning assets | $677,626,500 | 1,272 |
| Average equity | $47,869,250 | 1,694 |
| Average total loans | $393,518,250 | 1,404 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6872% | 4,159 |
| Cost of funding earning assets | 0.1588% | 3,469 |
| Net interest margin | 2.5284% | 4,039 |
| Noninterest income to average assets | 0.7856% | 1,083 |
| Noninterest expense to average assets | 2.7929% | 1,189 |
| Loan and lease loss provision to assets | 0.0429% | 1,797 |
| Net operating income to assets | 0.2778% | 4,325 |
| Return on assets (ROA) | 0.2778% | 4,275 |
| Pretax return on assets | 0.3446% | 4,233 |
| Return on Equity (ROE) | 4.0285% | 4,029 |
| Retained earnings to average equity (ytd only) | 4.0285% | 3,072 |
| Net charge-offs to loans | -0.0189% | 3,841 |
| Credit loss provision to net charge-offs | -413.5135% | 3,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8165% | 496 |
| Assets per employee ($millions) | 6.7829% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 2,761 |
| Loan loss allowance to noncurrent loans | 74.0309% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 579 |
| Noncurrent loans to loans | 1.6018% | 453 |
| Net loans and leases to total assets | 54.4473% | 2,915 |
| Net loans and leases to deposits | 59.2404% | 3,111 |
| Net loans and leases to core deposits | 60.2817% | 3,254 |
| Total domestic deposits to total assets | 91.9091% | 875 |
| Equity capital to assets | 6.2058% | 4,133 |
| Core capital (leverage) ratio | 7.5342% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6614% | 2,226 |
| Memoranda: | ||
| Average total assets | $712,801,333 | 1,300 |
| Average earning assets | $675,138,333 | 1,287 |
| Average equity | $49,149,667 | 1,703 |
| Average total loans | $392,245,333 | 1,403 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5170% | 4,244 |
| Cost of funding earning assets | 0.1588% | 3,393 |
| Net interest margin | 2.3582% | 4,137 |
| Noninterest income to average assets | 0.8105% | 1,019 |
| Noninterest expense to average assets | 2.7820% | 1,196 |
| Loan and lease loss provision to assets | 0.0180% | 2,033 |
| Net operating income to assets | 0.2085% | 4,317 |
| Return on assets (ROA) | 0.2085% | 4,284 |
| Pretax return on assets | 0.2452% | 4,278 |
| Return on Equity (ROE) | 2.8785% | 4,114 |
| Retained earnings to average equity (ytd only) | 2.8785% | 3,303 |
| Net charge-offs to loans | 0.0369% | 923 |
| Credit loss provision to net charge-offs | 88.8889% | 1,083 |
| Earnings coverage of net charge-offs (x) | 12.9722% | 1,404 |
| Efficiency ratio | 91.3567% | 491 |
| Assets per employee ($millions) | 6.6237% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 3,085 |
| Loan loss allowance to noncurrent loans | 70.1230% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 553 |
| Noncurrent loans to loans | 1.6436% | 484 |
| Net loans and leases to total assets | 54.5034% | 2,693 |
| Net loans and leases to deposits | 59.5853% | 2,945 |
| Net loans and leases to core deposits | 60.7042% | 3,088 |
| Total domestic deposits to total assets | 91.4712% | 815 |
| Equity capital to assets | 6.9237% | 4,243 |
| Core capital (leverage) ratio | 7.5121% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9846% | 2,209 |
| Memoranda: | ||
| Average total assets | $709,707,500 | 1,310 |
| Average earning assets | $672,553,500 | 1,288 |
| Average equity | $51,415,000 | 1,699 |
| Average total loans | $390,284,000 | 1,398 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8333% | 4,156 |
| Cost of funding earning assets | 0.2040% | 3,423 |
| Net interest margin | 2.6292% | 4,000 |
| Noninterest income to average assets | 1.0936% | 863 |
| Noninterest expense to average assets | 2.9834% | 1,010 |
| Loan and lease loss provision to assets | 0.0526% | 2,007 |
| Net operating income to assets | 0.4155% | 4,252 |
| Return on assets (ROA) | 0.4220% | 4,275 |
| Pretax return on assets | 0.5516% | 4,174 |
| Return on Equity (ROE) | 5.2975% | 3,933 |
| Retained earnings to average equity (ytd only) | 4.2719% | 3,100 |
| Net charge-offs to loans | -0.0093% | 3,715 |
| Credit loss provision to net charge-offs | -959.4595% | 3,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3478% | 608 |
| Assets per employee ($millions) | 6.7045% | 2,155 |
| Cash dividends to net income (ytd only)* | 19.3605% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 3,093 |
| Loan loss allowance to noncurrent loans | 400.7111% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 2,834 |
| Noncurrent loans to loans | 0.2886% | 2,561 |
| Net loans and leases to total assets | 54.2116% | 2,821 |
| Net loans and leases to deposits | 59.5920% | 3,112 |
| Net loans and leases to core deposits | 60.7129% | 3,264 |
| Total domestic deposits to total assets | 90.9713% | 500 |
| Equity capital to assets | 7.5645% | 4,569 |
| Core capital (leverage) ratio | 7.5140% | 4,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9533% | 2,264 |
| Memoranda: | ||
| Average total assets | $674,440,400 | 1,320 |
| Average earning assets | $637,642,200 | 1,308 |
| Average equity | $53,723,400 | 1,662 |
| Average total loans | $399,081,600 | 1,377 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8521% | 4,233 |
| Cost of funding earning assets | 0.2142% | 3,472 |
| Net interest margin | 2.6378% | 4,079 |
| Noninterest income to average assets | 1.1778% | 826 |
| Noninterest expense to average assets | 2.9947% | 986 |
| Loan and lease loss provision to assets | 0.0534% | 1,916 |
| Net operating income to assets | 0.4710% | 4,252 |
| Return on assets (ROA) | 0.4797% | 4,285 |
| Pretax return on assets | 0.6326% | 4,187 |
| Return on Equity (ROE) | 5.9424% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.0885% | 3,184 |
| Net charge-offs to loans | -0.0110% | 3,710 |
| Credit loss provision to net charge-offs | -806.0606% | 3,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6087% | 659 |
| Assets per employee ($millions) | 6.8527% | 1,976 |
| Cash dividends to net income (ytd only)* | 14.3693% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,435 |
| Loan loss allowance to noncurrent loans | 331.9549% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 2,846 |
| Noncurrent loans to loans | 0.3315% | 2,594 |
| Net loans and leases to total assets | 56.7751% | 2,640 |
| Net loans and leases to deposits | 62.5813% | 2,989 |
| Net loans and leases to core deposits | 64.1129% | 3,130 |
| Total domestic deposits to total assets | 90.7223% | 462 |
| Equity capital to assets | 7.7994% | 4,609 |
| Core capital (leverage) ratio | 7.7249% | 4,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8730% | 2,406 |
| Memoranda: | ||
| Average total assets | $665,381,500 | 1,347 |
| Average earning assets | $628,535,750 | 1,339 |
| Average equity | $53,714,500 | 1,677 |
| Average total loans | $401,407,750 | 1,401 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8812% | 4,247 |
| Cost of funding earning assets | 0.2297% | 3,464 |
| Net interest margin | 2.6515% | 4,076 |
| Noninterest income to average assets | 1.2862% | 704 |
| Noninterest expense to average assets | 3.0331% | 931 |
| Loan and lease loss provision to assets | 0.0538% | 1,962 |
| Net operating income to assets | 0.5289% | 4,163 |
| Return on assets (ROA) | 0.5344% | 4,199 |
| Pretax return on assets | 0.7081% | 4,048 |
| Return on Equity (ROE) | 6.5410% | 3,772 |
| Retained earnings to average equity (ytd only) | 5.2538% | 3,095 |
| Net charge-offs to loans | -0.0060% | 3,489 |
| Credit loss provision to net charge-offs | -1,466.6667% | 3,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0726% | 772 |
| Assets per employee ($millions) | 6.1546% | 2,477 |
| Cash dividends to net income (ytd only)* | 19.6796% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 3,586 |
| Loan loss allowance to noncurrent loans | 289.5091% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 2,826 |
| Noncurrent loans to loans | 0.3661% | 2,594 |
| Net loans and leases to total assets | 59.9022% | 2,439 |
| Net loans and leases to deposits | 66.2498% | 2,799 |
| Net loans and leases to core deposits | 67.3291% | 3,008 |
| Total domestic deposits to total assets | 90.4188% | 592 |
| Equity capital to assets | 8.0518% | 4,500 |
| Core capital (leverage) ratio | 7.8805% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8929% | 2,405 |
| Memoranda: | ||
| Average total assets | $654,183,667 | 1,357 |
| Average earning assets | $617,239,667 | 1,351 |
| Average equity | $53,447,333 | 1,679 |
| Average total loans | $401,457,333 | 1,404 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8909% | 4,270 |
| Cost of funding earning assets | 0.2543% | 3,432 |
| Net interest margin | 2.6367% | 4,083 |
| Noninterest income to average assets | 1.3650% | 701 |
| Noninterest expense to average assets | 3.1159% | 822 |
| Loan and lease loss provision to assets | 0.0545% | 2,019 |
| Net operating income to assets | 0.5141% | 4,148 |
| Return on assets (ROA) | 0.5141% | 4,183 |
| Pretax return on assets | 0.6800% | 4,057 |
| Return on Equity (ROE) | 6.2449% | 3,790 |
| Retained earnings to average equity (ytd only) | 4.3639% | 3,395 |
| Net charge-offs to loans | -0.0070% | 3,523 |
| Credit loss provision to net charge-offs | -1,257.1429% | 3,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9233% | 759 |
| Assets per employee ($millions) | 6.3225% | 2,316 |
| Cash dividends to net income (ytd only)* | 30.1205% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,718 |
| Loan loss allowance to noncurrent loans | 279.2440% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 3,001 |
| Noncurrent loans to loans | 0.3693% | 2,766 |
| Net loans and leases to total assets | 61.4556% | 2,341 |
| Net loans and leases to deposits | 68.0825% | 2,697 |
| Net loans and leases to core deposits | 69.1761% | 2,948 |
| Total domestic deposits to total assets | 90.2663% | 688 |
| Equity capital to assets | 8.0860% | 4,443 |
| Core capital (leverage) ratio | 8.0361% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0965% | 2,254 |
| Memoranda: | ||
| Average total assets | $645,849,000 | 1,366 |
| Average earning assets | $608,801,500 | 1,352 |
| Average equity | $53,163,000 | 1,676 |
| Average total loans | $399,105,500 | 1,416 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3787% | 4,224 |
| Cost of funding earning assets | 0.3673% | 3,780 |
| Net interest margin | 3.0114% | 3,857 |
| Noninterest income to average assets | 1.2737% | 700 |
| Noninterest expense to average assets | 3.3421% | 855 |
| Loan and lease loss provision to assets | 0.1572% | 2,404 |
| Net operating income to assets | 0.4664% | 4,103 |
| Return on assets (ROA) | 0.4640% | 4,191 |
| Pretax return on assets | 0.6016% | 4,077 |
| Return on Equity (ROE) | 5.2507% | 3,828 |
| Retained earnings to average equity (ytd only) | 4.5545% | 2,505 |
| Net charge-offs to loans | 0.2473% | 698 |
| Credit loss provision to net charge-offs | 97.9657% | 2,864 |
| Earnings coverage of net charge-offs (x) | 4.7473% | 2,944 |
| Efficiency ratio | 81.4337% | 784 |
| Assets per employee ($millions) | 6.4056% | 1,996 |
| Cash dividends to net income (ytd only)* | 13.2593% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,657 |
| Loan loss allowance to noncurrent loans | 272.0423% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 2,655 |
| Noncurrent loans to loans | 0.3880% | 2,818 |
| Net loans and leases to total assets | 60.8348% | 2,754 |
| Net loans and leases to deposits | 67.5925% | 3,123 |
| Net loans and leases to core deposits | 68.7600% | 3,349 |
| Total domestic deposits to total assets | 90.0023% | 567 |
| Equity capital to assets | 8.3823% | 4,530 |
| Core capital (leverage) ratio | 7.8836% | 4,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0825% | 2,207 |
| Memoranda: | ||
| Average total assets | $581,916,800 | 1,364 |
| Average earning assets | $546,925,800 | 1,357 |
| Average equity | $51,421,800 | 1,652 |
| Average total loans | $377,697,200 | 1,425 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4955% | 4,218 |
| Cost of funding earning assets | 0.3947% | 3,836 |
| Net interest margin | 3.1008% | 3,734 |
| Noninterest income to average assets | 1.3679% | 589 |
| Noninterest expense to average assets | 3.3882% | 810 |
| Loan and lease loss provision to assets | 0.1341% | 2,676 |
| Net operating income to assets | 0.5764% | 3,842 |
| Return on assets (ROA) | 0.5731% | 3,945 |
| Pretax return on assets | 0.7545% | 3,767 |
| Return on Equity (ROE) | 6.3935% | 3,412 |
| Retained earnings to average equity (ytd only) | 5.9254% | 2,135 |
| Net charge-offs to loans | 0.2520% | 607 |
| Credit loss provision to net charge-offs | 80.7910% | 2,754 |
| Earnings coverage of net charge-offs (x) | 5.3799% | 2,734 |
| Efficiency ratio | 79.1459% | 927 |
| Assets per employee ($millions) | 6.3425% | 1,963 |
| Cash dividends to net income (ytd only)* | 7.3211% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,577 |
| Loan loss allowance to noncurrent loans | 153.5714% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 2,493 |
| Noncurrent loans to loans | 0.6691% | 2,112 |
| Net loans and leases to total assets | 61.9717% | 3,016 |
| Net loans and leases to deposits | 68.9740% | 3,398 |
| Net loans and leases to core deposits | 70.2705% | 3,609 |
| Total domestic deposits to total assets | 89.8479% | 481 |
| Equity capital to assets | 8.5435% | 4,438 |
| Core capital (leverage) ratio | 8.2423% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1965% | 2,110 |
| Memoranda: | ||
| Average total assets | $568,857,250 | 1,374 |
| Average earning assets | $534,424,500 | 1,366 |
| Average equity | $50,988,000 | 1,655 |
| Average total loans | $374,645,750 | 1,429 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6700% | 4,145 |
| Cost of funding earning assets | 0.4355% | 3,865 |
| Net interest margin | 3.2346% | 3,568 |
| Noninterest income to average assets | 1.5259% | 444 |
| Noninterest expense to average assets | 3.4940% | 753 |
| Loan and lease loss provision to assets | 0.1799% | 2,221 |
| Net operating income to assets | 0.6691% | 3,505 |
| Return on assets (ROA) | 0.6639% | 3,620 |
| Pretax return on assets | 0.8798% | 3,372 |
| Return on Equity (ROE) | 7.2789% | 3,021 |
| Retained earnings to average equity (ytd only) | 6.5669% | 1,839 |
| Net charge-offs to loans | 0.3862% | 407 |
| Credit loss provision to net charge-offs | 69.4678% | 2,553 |
| Earnings coverage of net charge-offs (x) | 4.1162% | 2,624 |
| Efficiency ratio | 76.6189% | 1,207 |
| Assets per employee ($millions) | 5.8381% | 2,334 |
| Cash dividends to net income (ytd only)* | 9.7814% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 3,548 |
| Loan loss allowance to noncurrent loans | 169.2009% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 2,757 |
| Noncurrent loans to loans | 0.5940% | 2,377 |
| Net loans and leases to total assets | 64.1602% | 2,860 |
| Net loans and leases to deposits | 71.6899% | 3,289 |
| Net loans and leases to core deposits | 72.6109% | 3,551 |
| Total domestic deposits to total assets | 89.4968% | 571 |
| Equity capital to assets | 8.7369% | 4,329 |
| Core capital (leverage) ratio | 8.7420% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1731% | 2,109 |
| Memoranda: | ||
| Average total assets | $551,286,667 | 1,390 |
| Average earning assets | $517,160,000 | 1,383 |
| Average equity | $50,282,667 | 1,668 |
| Average total loans | $369,795,667 | 1,431 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9055% | 4,018 |
| Cost of funding earning assets | 0.5266% | 3,815 |
| Net interest margin | 3.3789% | 3,365 |
| Noninterest income to average assets | 1.1956% | 612 |
| Noninterest expense to average assets | 3.6445% | 761 |
| Loan and lease loss provision to assets | 0.0699% | 2,865 |
| Net operating income to assets | 0.4957% | 3,902 |
| Return on assets (ROA) | 0.4849% | 3,988 |
| Pretax return on assets | 0.6278% | 3,873 |
| Return on Equity (ROE) | 5.1917% | 3,571 |
| Retained earnings to average equity (ytd only) | 5.1917% | 2,198 |
| Net charge-offs to loans | 0.0945% | 1,126 |
| Credit loss provision to net charge-offs | 108.2353% | 1,769 |
| Earnings coverage of net charge-offs (x) | 11.0118% | 1,740 |
| Efficiency ratio | 83.6678% | 851 |
| Assets per employee ($millions) | 5.2645% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 2,942 |
| Loan loss allowance to noncurrent loans | 143.2227% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 2,362 |
| Noncurrent loans to loans | 0.8020% | 2,007 |
| Net loans and leases to total assets | 67.0377% | 2,697 |
| Net loans and leases to deposits | 75.4799% | 3,121 |
| Net loans and leases to core deposits | 76.5211% | 3,463 |
| Total domestic deposits to total assets | 88.8153% | 750 |
| Equity capital to assets | 9.3132% | 4,380 |
| Core capital (leverage) ratio | 9.3821% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6487% | 2,422 |
| Memoranda: | ||
| Average total assets | $526,268,500 | 1,405 |
| Average earning assets | $492,235,000 | 1,400 |
| Average equity | $49,155,500 | 1,686 |
| Average total loans | $359,830,000 | 1,425 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0301% | 4,190 |
| Cost of funding earning assets | 0.6688% | 3,319 |
| Net interest margin | 3.3613% | 3,848 |
| Noninterest income to average assets | 1.2398% | 613 |
| Noninterest expense to average assets | 3.7209% | 744 |
| Loan and lease loss provision to assets | 0.0076% | 3,856 |
| Net operating income to assets | 0.4999% | 4,403 |
| Return on assets (ROA) | 0.4988% | 4,461 |
| Pretax return on assets | 0.6482% | 4,329 |
| Return on Equity (ROE) | 5.5295% | 4,057 |
| Retained earnings to average equity (ytd only) | 4.4149% | 2,753 |
| Net charge-offs to loans | 0.0595% | 2,257 |
| Credit loss provision to net charge-offs | 18.5714% | 3,321 |
| Earnings coverage of net charge-offs (x) | 16.0286% | 2,199 |
| Efficiency ratio | 84.9893% | 604 |
| Assets per employee ($millions) | 5.1566% | 2,388 |
| Cash dividends to net income (ytd only)* | 20.1566% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 2,684 |
| Loan loss allowance to noncurrent loans | 146.8395% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 2,273 |
| Noncurrent loans to loans | 0.7843% | 1,937 |
| Net loans and leases to total assets | 68.1487% | 2,661 |
| Net loans and leases to deposits | 79.9964% | 2,778 |
| Net loans and leases to core deposits | 81.7024% | 3,156 |
| Total domestic deposits to total assets | 85.1897% | 2,425 |
| Equity capital to assets | 9.3681% | 4,450 |
| Core capital (leverage) ratio | 9.3680% | 4,201 |
| Tier 1 risk-based capital ratio | 12.3260% | 4,175 |
| Total risk-based capital ratio | 13.5764% | 4,038 |
| Memoranda: | ||
| Average total assets | $512,186,000 | 1,394 |
| Average earning assets | $478,202,400 | 1,385 |
| Average equity | $46,206,800 | 1,715 |
| Average total loans | $353,205,800 | 1,410 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0341% | 4,293 |
| Cost of funding earning assets | 0.6978% | 3,232 |
| Net interest margin | 3.3363% | 4,023 |
| Noninterest income to average assets | 1.2070% | 631 |
| Noninterest expense to average assets | 3.7147% | 737 |
| Loan and lease loss provision to assets | 0.0026% | 3,810 |
| Net operating income to assets | 0.4544% | 4,618 |
| Return on assets (ROA) | 0.4528% | 4,654 |
| Pretax return on assets | 0.6010% | 4,544 |
| Return on Equity (ROE) | 5.0686% | 4,309 |
| Retained earnings to average equity (ytd only) | 4.0853% | 3,357 |
| Net charge-offs to loans | 0.0819% | 1,656 |
| Credit loss provision to net charge-offs | 4.6296% | 3,020 |
| Earnings coverage of net charge-offs (x) | 10.7270% | 2,480 |
| Efficiency ratio | 85.9805% | 505 |
| Assets per employee ($millions) | 4.5847% | 3,073 |
| Cash dividends to net income (ytd only)* | 19.3996% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 2,819 |
| Loan loss allowance to noncurrent loans | 141.8830% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 2,319 |
| Noncurrent loans to loans | 0.8048% | 1,961 |
| Net loans and leases to total assets | 69.1087% | 2,607 |
| Net loans and leases to deposits | 81.2352% | 2,771 |
| Net loans and leases to core deposits | 83.1394% | 3,169 |
| Total domestic deposits to total assets | 85.0724% | 2,400 |
| Equity capital to assets | 9.2947% | 4,600 |
| Core capital (leverage) ratio | 9.3096% | 4,359 |
| Tier 1 risk-based capital ratio | 12.2864% | 4,264 |
| Total risk-based capital ratio | 13.5367% | 4,145 |
| Memoranda: | ||
| Average total assets | $510,027,250 | 1,407 |
| Average earning assets | $475,966,500 | 1,395 |
| Average equity | $45,560,750 | 1,738 |
| Average total loans | $351,740,250 | 1,419 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 4,314 |
| Cost of funding earning assets | 0.6978% | 3,181 |
| Net interest margin | 3.3333% | 4,069 |
| Noninterest income to average assets | 1.1861% | 609 |
| Noninterest expense to average assets | 3.7263% | 727 |
| Loan and lease loss provision to assets | 0.0031% | 3,644 |
| Net operating income to assets | 0.4292% | 4,678 |
| Return on assets (ROA) | 0.4264% | 4,708 |
| Pretax return on assets | 0.5624% | 4,608 |
| Return on Equity (ROE) | 4.8396% | 4,380 |
| Retained earnings to average equity (ytd only) | 3.6709% | 3,419 |
| Net charge-offs to loans | 0.0155% | 2,587 |
| Credit loss provision to net charge-offs | 29.6296% | 2,603 |
| Earnings coverage of net charge-offs (x) | 53.6296% | 1,049 |
| Efficiency ratio | 86.7508% | 504 |
| Assets per employee ($millions) | 4.4352% | 3,238 |
| Cash dividends to net income (ytd only)* | 24.1475% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,484 |
| Loan loss allowance to noncurrent loans | 134.6528% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 2,157 |
| Noncurrent loans to loans | 0.8971% | 1,821 |
| Net loans and leases to total assets | 68.7209% | 2,722 |
| Net loans and leases to deposits | 81.3354% | 2,805 |
| Net loans and leases to core deposits | 83.2702% | 3,174 |
| Total domestic deposits to total assets | 84.4907% | 2,687 |
| Equity capital to assets | 9.1634% | 4,689 |
| Core capital (leverage) ratio | 9.2913% | 4,363 |
| Tier 1 risk-based capital ratio | 12.1869% | 4,308 |
| Total risk-based capital ratio | 13.4379% | 4,186 |
| Memoranda: | ||
| Average total assets | $508,874,670 | 1,408 |
| Average earning assets | $474,658,330 | 1,399 |
| Average equity | $44,838,670 | 1,765 |
| Average total loans | $349,333,000 | 1,444 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0081% | 4,353 |
| Cost of funding earning assets | 0.6728% | 3,186 |
| Net interest margin | 3.3353% | 4,078 |
| Noninterest income to average assets | 1.1608% | 600 |
| Noninterest expense to average assets | 3.7302% | 717 |
| Loan and lease loss provision to assets | 0.0047% | 3,365 |
| Net operating income to assets | 0.4069% | 4,715 |
| Return on assets (ROA) | 0.4013% | 4,741 |
| Pretax return on assets | 0.5280% | 4,624 |
| Return on Equity (ROE) | 4.6481% | 4,428 |
| Retained earnings to average equity (ytd only) | 3.3813% | 3,566 |
| Net charge-offs to loans | 0.0046% | 2,542 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 171.5000% | 445 |
| Efficiency ratio | 87.3572% | 513 |
| Assets per employee ($millions) | 4.4379% | 3,277 |
| Cash dividends to net income (ytd only)* | 27.2549% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,277 |
| Loan loss allowance to noncurrent loans | 224.5568% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 2,695 |
| Noncurrent loans to loans | 0.5607% | 2,643 |
| Net loans and leases to total assets | 67.3568% | 2,851 |
| Net loans and leases to deposits | 77.7394% | 3,089 |
| Net loans and leases to core deposits | 79.8725% | 3,385 |
| Total domestic deposits to total assets | 86.6444% | 1,985 |
| Equity capital to assets | 8.9385% | 4,725 |
| Core capital (leverage) ratio | 9.1879% | 4,484 |
| Tier 1 risk-based capital ratio | 12.3658% | 4,253 |
| Total risk-based capital ratio | 13.6172% | 4,123 |
| Memoranda: | ||
| Average total assets | $508,287,000 | 1,413 |
| Average earning assets | $473,837,000 | 1,410 |
| Average equity | $43,889,000 | 1,782 |
| Average total loans | $346,601,000 | 1,457 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8469% | 4,396 |
| Cost of funding earning assets | 0.4750% | 3,514 |
| Net interest margin | 3.3720% | 4,070 |
| Noninterest income to average assets | 1.2742% | 578 |
| Noninterest expense to average assets | 3.6439% | 828 |
| Loan and lease loss provision to assets | 0.0459% | 3,268 |
| Net operating income to assets | 0.5394% | 4,571 |
| Return on assets (ROA) | 0.5326% | 4,587 |
| Pretax return on assets | 0.7216% | 4,357 |
| Return on Equity (ROE) | 6.4890% | 4,009 |
| Retained earnings to average equity (ytd only) | 5.5936% | 2,420 |
| Net charge-offs to loans | -0.0027% | 4,268 |
| Credit loss provision to net charge-offs | -2,611.1111% | 4,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4401% | 755 |
| Assets per employee ($millions) | 4.5990% | 3,018 |
| Cash dividends to net income (ytd only)* | 13.7982% | 3,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 2,429 |
| Loan loss allowance to noncurrent loans | 172.4760% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 2,634 |
| Noncurrent loans to loans | 0.7109% | 2,212 |
| Net loans and leases to total assets | 67.3293% | 2,963 |
| Net loans and leases to deposits | 78.6928% | 3,077 |
| Net loans and leases to core deposits | 79.8030% | 3,443 |
| Total domestic deposits to total assets | 85.5596% | 2,418 |
| Equity capital to assets | 8.3389% | 5,024 |
| Core capital (leverage) ratio | 8.9732% | 4,677 |
| Tier 1 risk-based capital ratio | 12.0142% | 4,421 |
| Total risk-based capital ratio | 13.2654% | 4,312 |
| Memoranda: | ||
| Average total assets | $511,622,600 | 1,376 |
| Average earning assets | $477,313,400 | 1,368 |
| Average equity | $41,994,200 | 1,781 |
| Average total loans | $337,286,200 | 1,451 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 4,465 |
| Cost of funding earning assets | 0.4353% | 3,627 |
| Net interest margin | 3.3512% | 4,154 |
| Noninterest income to average assets | 1.2627% | 601 |
| Noninterest expense to average assets | 3.5648% | 904 |
| Loan and lease loss provision to assets | 0.1258% | 1,600 |
| Net operating income to assets | 0.5163% | 4,724 |
| Return on assets (ROA) | 0.5072% | 4,751 |
| Pretax return on assets | 0.6876% | 4,560 |
| Return on Equity (ROE) | 6.2044% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.5338% | 2,933 |
| Net charge-offs to loans | 0.0331% | 2,420 |
| Credit loss provision to net charge-offs | 580.7229% | 614 |
| Earnings coverage of net charge-offs (x) | 38.0736% | 1,393 |
| Efficiency ratio | 81.2084% | 843 |
| Assets per employee ($millions) | 4.5842% | 3,000 |
| Cash dividends to net income (ytd only)* | 10.8079% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 2,070 |
| Loan loss allowance to noncurrent loans | 174.8726% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 2,596 |
| Noncurrent loans to loans | 0.7472% | 2,221 |
| Net loans and leases to total assets | 66.2160% | 3,154 |
| Net loans and leases to deposits | 77.0213% | 3,319 |
| Net loans and leases to core deposits | 77.9437% | 3,659 |
| Total domestic deposits to total assets | 85.9709% | 2,209 |
| Equity capital to assets | 8.2377% | 5,064 |
| Core capital (leverage) ratio | 8.9434% | 4,756 |
| Tier 1 risk-based capital ratio | 12.1233% | 4,430 |
| Total risk-based capital ratio | 13.3754% | 4,321 |
| Memoranda: | ||
| Average total assets | $510,755,500 | 1,382 |
| Average earning assets | $476,593,000 | 1,374 |
| Average equity | $41,754,500 | 1,800 |
| Average total loans | $333,829,750 | 1,467 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7048% | 4,572 |
| Cost of funding earning assets | 0.3996% | 3,720 |
| Net interest margin | 3.3052% | 4,232 |
| Noninterest income to average assets | 1.2390% | 629 |
| Noninterest expense to average assets | 3.5394% | 946 |
| Loan and lease loss provision to assets | 0.1291% | 1,535 |
| Net operating income to assets | 0.4819% | 4,787 |
| Return on assets (ROA) | 0.4587% | 4,843 |
| Pretax return on assets | 0.6242% | 4,693 |
| Return on Equity (ROE) | 5.6259% | 4,372 |
| Retained earnings to average equity (ytd only) | 4.6187% | 3,279 |
| Net charge-offs to loans | 0.0483% | 1,923 |
| Credit loss provision to net charge-offs | 412.5000% | 801 |
| Earnings coverage of net charge-offs (x) | 25.0125% | 1,651 |
| Efficiency ratio | 81.8930% | 844 |
| Assets per employee ($millions) | 4.3951% | 3,286 |
| Cash dividends to net income (ytd only)* | 17.9028% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 2,250 |
| Loan loss allowance to noncurrent loans | 107.7481% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 1,895 |
| Noncurrent loans to loans | 1.1908% | 1,462 |
| Net loans and leases to total assets | 65.6220% | 3,201 |
| Net loans and leases to deposits | 75.5794% | 3,382 |
| Net loans and leases to core deposits | 76.3813% | 3,718 |
| Total domestic deposits to total assets | 86.8253% | 1,920 |
| Equity capital to assets | 8.1711% | 5,151 |
| Core capital (leverage) ratio | 8.8023% | 4,878 |
| Tier 1 risk-based capital ratio | 12.1012% | 4,440 |
| Total risk-based capital ratio | 13.3532% | 4,313 |
| Memoranda: | ||
| Average total assets | $511,392,670 | 1,387 |
| Average earning assets | $477,002,670 | 1,382 |
| Average equity | $41,700,330 | 1,803 |
| Average total loans | $331,307,330 | 1,478 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6518% | 4,588 |
| Cost of funding earning assets | 0.3636% | 3,891 |
| Net interest margin | 3.2882% | 4,224 |
| Noninterest income to average assets | 1.2155% | 627 |
| Noninterest expense to average assets | 3.5243% | 960 |
| Loan and lease loss provision to assets | 0.1773% | 978 |
| Net operating income to assets | 0.4493% | 4,813 |
| Return on assets (ROA) | 0.4075% | 4,915 |
| Pretax return on assets | 0.5272% | 4,833 |
| Return on Equity (ROE) | 5.0023% | 4,488 |
| Retained earnings to average equity (ytd only) | 3.9045% | 3,634 |
| Net charge-offs to loans | -0.0061% | 4,072 |
| Credit loss provision to net charge-offs | -4,560.0000% | 4,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3102% | 920 |
| Assets per employee ($millions) | 4.5165% | 3,128 |
| Cash dividends to net income (ytd only)* | 21.9466% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,163 |
| Loan loss allowance to noncurrent loans | 103.7950% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 1,936 |
| Noncurrent loans to loans | 1.2695% | 1,417 |
| Net loans and leases to total assets | 63.5728% | 3,363 |
| Net loans and leases to deposits | 72.7854% | 3,532 |
| Net loans and leases to core deposits | 73.5591% | 3,854 |
| Total domestic deposits to total assets | 87.3428% | 1,984 |
| Equity capital to assets | 8.1243% | 5,218 |
| Core capital (leverage) ratio | 8.6391% | 5,035 |
| Tier 1 risk-based capital ratio | 11.8784% | 4,623 |
| Total risk-based capital ratio | 13.1302% | 4,508 |
| Memoranda: | ||
| Average total assets | $514,370,500 | 1,383 |
| Average earning assets | $479,651,000 | 1,386 |
| Average equity | $41,900,500 | 1,800 |
| Average total loans | $328,966,500 | 1,493 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6551% | 4,442 |
| Cost of funding earning assets | 0.3455% | 3,755 |
| Net interest margin | 3.3096% | 4,128 |
| Noninterest income to average assets | 1.2999% | 627 |
| Noninterest expense to average assets | 3.4753% | 1,078 |
| Loan and lease loss provision to assets | 0.1664% | 1,324 |
| Net operating income to assets | 0.3040% | 4,919 |
| Return on assets (ROA) | 0.2889% | 4,962 |
| Pretax return on assets | 0.7206% | 4,461 |
| Return on Equity (ROE) | 3.4305% | 4,708 |
| Retained earnings to average equity (ytd only) | 2.8389% | 3,615 |
| Net charge-offs to loans | 0.2923% | 896 |
| Credit loss provision to net charge-offs | 87.0237% | 2,838 |
| Earnings coverage of net charge-offs (x) | 4.7621% | 3,415 |
| Efficiency ratio | 79.2385% | 1,195 |
| Assets per employee ($millions) | 4.6686% | 2,916 |
| Cash dividends to net income (ytd only)* | 17.2461% | 3,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,648 |
| Loan loss allowance to noncurrent loans | 94.8167% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.8191% | 1,906 |
| Noncurrent loans to loans | 1.2899% | 1,357 |
| Net loans and leases to total assets | 62.7272% | 3,520 |
| Net loans and leases to deposits | 72.3113% | 3,673 |
| Net loans and leases to core deposits | 73.0162% | 3,970 |
| Total domestic deposits to total assets | 86.7461% | 2,118 |
| Equity capital to assets | 8.1669% | 5,319 |
| Core capital (leverage) ratio | 8.2431% | 5,324 |
| Tier 1 risk-based capital ratio | 11.6041% | 4,787 |
| Total risk-based capital ratio | 12.8549% | 4,674 |
| Memoranda: | ||
| Average total assets | $507,805,000 | 1,382 |
| Average earning assets | $473,501,400 | 1,373 |
| Average equity | $42,763,000 | 1,742 |
| Average total loans | $332,173,400 | 1,440 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6304% | 4,490 |
| Cost of funding earning assets | 0.3220% | 3,920 |
| Net interest margin | 3.3084% | 4,143 |
| Noninterest income to average assets | 1.3155% | 611 |
| Noninterest expense to average assets | 3.5256% | 951 |
| Loan and lease loss provision to assets | 0.1749% | 1,150 |
| Net operating income to assets | 0.4799% | 4,790 |
| Return on assets (ROA) | 0.4799% | 4,831 |
| Pretax return on assets | 0.7023% | 4,600 |
| Return on Equity (ROE) | 5.6539% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.0866% | 2,824 |
| Net charge-offs to loans | 0.2882% | 746 |
| Credit loss provision to net charge-offs | 92.0613% | 2,432 |
| Earnings coverage of net charge-offs (x) | 4.6184% | 3,204 |
| Efficiency ratio | 80.0769% | 1,094 |
| Assets per employee ($millions) | 4.7231% | 2,801 |
| Cash dividends to net income (ytd only)* | 10.0330% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 2,688 |
| Loan loss allowance to noncurrent loans | 84.2857% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.9100% | 1,877 |
| Noncurrent loans to loans | 1.4719% | 1,266 |
| Net loans and leases to total assets | 61.0600% | 3,761 |
| Net loans and leases to deposits | 69.8571% | 3,976 |
| Net loans and leases to core deposits | 70.5832% | 4,208 |
| Total domestic deposits to total assets | 87.4070% | 1,666 |
| Equity capital to assets | 8.1674% | 5,454 |
| Core capital (leverage) ratio | 8.5056% | 5,244 |
| Tier 1 risk-based capital ratio | 11.5284% | 4,949 |
| Total risk-based capital ratio | 12.7791% | 4,835 |
| Memoranda: | ||
| Average total assets | $504,034,250 | 1,401 |
| Average earning assets | $470,345,500 | 1,393 |
| Average equity | $42,777,750 | 1,754 |
| Average total loans | $332,203,250 | 1,444 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6340% | 4,418 |
| Cost of funding earning assets | 0.3009% | 4,073 |
| Net interest margin | 3.3331% | 4,007 |
| Noninterest income to average assets | 1.3468% | 583 |
| Noninterest expense to average assets | 3.6141% | 852 |
| Loan and lease loss provision to assets | 0.1807% | 1,050 |
| Net operating income to assets | 0.4544% | 4,843 |
| Return on assets (ROA) | 0.4544% | 4,867 |
| Pretax return on assets | 0.6557% | 4,668 |
| Return on Equity (ROE) | 5.2810% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.0167% | 2,699 |
| Net charge-offs to loans | 0.4193% | 481 |
| Credit loss provision to net charge-offs | 63.9368% | 2,431 |
| Earnings coverage of net charge-offs (x) | 2.9598% | 3,098 |
| Efficiency ratio | 81.2061% | 1,087 |
| Assets per employee ($millions) | 4.2484% | 3,521 |
| Cash dividends to net income (ytd only)* | 5.0045% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 3,058 |
| Loan loss allowance to noncurrent loans | 79.5956% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 0.9948% | 1,760 |
| Noncurrent loans to loans | 1.4994% | 1,253 |
| Net loans and leases to total assets | 65.5555% | 3,176 |
| Net loans and leases to deposits | 75.4696% | 3,411 |
| Net loans and leases to core deposits | 76.4114% | 3,737 |
| Total domestic deposits to total assets | 86.8634% | 2,008 |
| Equity capital to assets | 8.6756% | 5,173 |
| Core capital (leverage) ratio | 8.8278% | 4,918 |
| Tier 1 risk-based capital ratio | 11.5856% | 4,901 |
| Total risk-based capital ratio | 12.8361% | 4,789 |
| Memoranda: | ||
| Average total assets | $492,567,000 | 1,438 |
| Average earning assets | $458,666,330 | 1,428 |
| Average equity | $42,378,330 | 1,762 |
| Average total loans | $331,971,330 | 1,451 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 4,443 |
| Cost of funding earning assets | 0.2832% | 4,221 |
| Net interest margin | 3.3101% | 3,976 |
| Noninterest income to average assets | 1.3461% | 574 |
| Noninterest expense to average assets | 3.6229% | 867 |
| Loan and lease loss provision to assets | 0.1738% | 1,016 |
| Net operating income to assets | 0.4356% | 4,838 |
| Return on assets (ROA) | 0.4356% | 4,858 |
| Pretax return on assets | 0.6290% | 4,666 |
| Return on Equity (ROE) | 5.0850% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.0850% | 2,840 |
| Net charge-offs to loans | 0.0012% | 2,921 |
| Credit loss provision to net charge-offs | 21,300.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 984.0000% | 45 |
| Efficiency ratio | 81.8618% | 1,177 |
| Assets per employee ($millions) | 4.1011% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 2,452 |
| Loan loss allowance to noncurrent loans | 121.1178% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.7380% | 2,454 |
| Noncurrent loans to loans | 1.0875% | 1,886 |
| Net loans and leases to total assets | 66.9723% | 2,819 |
| Net loans and leases to deposits | 77.8678% | 2,989 |
| Net loans and leases to core deposits | 79.1233% | 3,376 |
| Total domestic deposits to total assets | 86.0076% | 2,657 |
| Equity capital to assets | 8.6002% | 5,156 |
| Core capital (leverage) ratio | 8.8235% | 4,936 |
| Tier 1 risk-based capital ratio | 11.4077% | 5,086 |
| Total risk-based capital ratio | 12.6596% | 4,983 |
| Memoranda: | ||
| Average total assets | $490,319,000 | 1,448 |
| Average earning assets | $456,178,000 | 1,440 |
| Average equity | $42,006,000 | 1,778 |
| Average total loans | $333,063,000 | 1,447 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5637% | 4,606 |
| Cost of funding earning assets | 0.2524% | 4,544 |
| Net interest margin | 3.3114% | 4,106 |
| Noninterest income to average assets | 1.3762% | 607 |
| Noninterest expense to average assets | 3.7112% | 868 |
| Loan and lease loss provision to assets | 0.1718% | 1,414 |
| Net operating income to assets | 0.4054% | 4,918 |
| Return on assets (ROA) | 0.4087% | 4,993 |
| Pretax return on assets | 0.5780% | 4,848 |
| Return on Equity (ROE) | 4.7026% | 4,566 |
| Retained earnings to average equity (ytd only) | 3.9525% | 3,107 |
| Net charge-offs to loans | 0.3415% | 801 |
| Credit loss provision to net charge-offs | 74.9775% | 3,060 |
| Earnings coverage of net charge-offs (x) | 3.2520% | 3,702 |
| Efficiency ratio | 83.2755% | 1,076 |
| Assets per employee ($millions) | 4.1051% | 3,778 |
| Cash dividends to net income (ytd only)* | 15.9515% | 3,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,757 |
| Loan loss allowance to noncurrent loans | 107.1666% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 2,351 |
| Noncurrent loans to loans | 1.1763% | 1,747 |
| Net loans and leases to total assets | 67.1328% | 2,907 |
| Net loans and leases to deposits | 77.4950% | 3,161 |
| Net loans and leases to core deposits | 78.8070% | 3,498 |
| Total domestic deposits to total assets | 86.6286% | 2,319 |
| Equity capital to assets | 8.5337% | 5,247 |
| Core capital (leverage) ratio | 8.7608% | 5,016 |
| Tier 1 risk-based capital ratio | 11.4077% | 5,108 |
| Total risk-based capital ratio | 12.6590% | 5,013 |
| Memoranda: | ||
| Average total assets | $484,753,000 | 1,421 |
| Average earning assets | $450,931,400 | 1,416 |
| Average equity | $42,125,200 | 1,757 |
| Average total loans | $325,366,000 | 1,432 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 4,712 |
| Cost of funding earning assets | 0.2465% | 4,636 |
| Net interest margin | 3.2931% | 4,207 |
| Noninterest income to average assets | 1.3779% | 622 |
| Noninterest expense to average assets | 3.7474% | 794 |
| Loan and lease loss provision to assets | 0.1626% | 1,419 |
| Net operating income to assets | 0.3806% | 5,089 |
| Return on assets (ROA) | 0.3850% | 5,156 |
| Pretax return on assets | 0.5377% | 5,045 |
| Return on Equity (ROE) | 4.4102% | 4,755 |
| Retained earnings to average equity (ytd only) | 3.8577% | 3,561 |
| Net charge-offs to loans | 0.3724% | 597 |
| Credit loss provision to net charge-offs | 65.2655% | 2,854 |
| Earnings coverage of net charge-offs (x) | 2.7865% | 3,523 |
| Efficiency ratio | 84.3705% | 960 |
| Assets per employee ($millions) | 4.2491% | 3,508 |
| Cash dividends to net income (ytd only)* | 12.5270% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,944 |
| Loan loss allowance to noncurrent loans | 99.4013% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8546% | 2,422 |
| Noncurrent loans to loans | 1.2597% | 1,775 |
| Net loans and leases to total assets | 66.9899% | 2,956 |
| Net loans and leases to deposits | 79.0608% | 3,071 |
| Net loans and leases to core deposits | 80.2838% | 3,417 |
| Total domestic deposits to total assets | 84.7322% | 2,925 |
| Equity capital to assets | 8.8153% | 5,308 |
| Core capital (leverage) ratio | 8.5934% | 5,271 |
| Tier 1 risk-based capital ratio | 11.3352% | 5,184 |
| Total risk-based capital ratio | 12.5864% | 5,087 |
| Memoranda: | ||
| Average total assets | $483,813,250 | 1,427 |
| Average earning assets | $450,108,250 | 1,418 |
| Average equity | $42,234,500 | 1,758 |
| Average total loans | $323,672,750 | 1,436 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4946% | 4,880 |
| Cost of funding earning assets | 0.2377% | 4,776 |
| Net interest margin | 3.2569% | 4,357 |
| Noninterest income to average assets | 1.3791% | 601 |
| Noninterest expense to average assets | 3.7652% | 807 |
| Loan and lease loss provision to assets | 0.1522% | 1,503 |
| Net operating income to assets | 0.3575% | 5,160 |
| Return on assets (ROA) | 0.3642% | 5,228 |
| Pretax return on assets | 0.4998% | 5,130 |
| Return on Equity (ROE) | 4.1855% | 4,841 |
| Retained earnings to average equity (ytd only) | 3.9519% | 3,386 |
| Net charge-offs to loans | 0.0903% | 1,939 |
| Credit loss provision to net charge-offs | 253.1034% | 1,090 |
| Earnings coverage of net charge-offs (x) | 10.6897% | 2,314 |
| Efficiency ratio | 85.4159% | 931 |
| Assets per employee ($millions) | 4.2126% | 3,538 |
| Cash dividends to net income (ytd only)* | 5.5809% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 2,148 |
| Loan loss allowance to noncurrent loans | 116.3894% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.8170% | 2,547 |
| Noncurrent loans to loans | 1.2303% | 1,868 |
| Net loans and leases to total assets | 65.4572% | 3,160 |
| Net loans and leases to deposits | 75.5520% | 3,434 |
| Net loans and leases to core deposits | 76.9547% | 3,743 |
| Total domestic deposits to total assets | 86.6387% | 2,091 |
| Equity capital to assets | 8.7068% | 5,478 |
| Core capital (leverage) ratio | 8.8460% | 5,004 |
| Tier 1 risk-based capital ratio | 11.4669% | 5,180 |
| Total risk-based capital ratio | 12.7203% | 5,062 |
| Memoranda: | ||
| Average total assets | $482,201,670 | 1,433 |
| Average earning assets | $448,466,670 | 1,429 |
| Average equity | $41,954,000 | 1,767 |
| Average total loans | $321,065,000 | 1,451 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5292% | 4,816 |
| Cost of funding earning assets | 0.2329% | 4,872 |
| Net interest margin | 3.2962% | 4,235 |
| Noninterest income to average assets | 1.2784% | 669 |
| Noninterest expense to average assets | 3.7571% | 831 |
| Loan and lease loss provision to assets | 0.1552% | 1,352 |
| Net operating income to assets | 0.3148% | 5,258 |
| Return on assets (ROA) | 0.3540% | 5,215 |
| Pretax return on assets | 0.4823% | 5,134 |
| Return on Equity (ROE) | 4.0700% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.0700% | 3,454 |
| Net charge-offs to loans | 0.0038% | 2,991 |
| Credit loss provision to net charge-offs | 6,166.6667% | 62 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 271 |
| Efficiency ratio | 86.5507% | 925 |
| Assets per employee ($millions) | 4.0656% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 2,225 |
| Loan loss allowance to noncurrent loans | 112.1380% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8787% | 2,491 |
| Noncurrent loans to loans | 1.2885% | 1,874 |
| Net loans and leases to total assets | 67.2065% | 2,780 |
| Net loans and leases to deposits | 77.9296% | 3,011 |
| Net loans and leases to core deposits | 79.4462% | 3,370 |
| Total domestic deposits to total assets | 86.2400% | 2,577 |
| Equity capital to assets | 8.9316% | 5,242 |
| Core capital (leverage) ratio | 8.8355% | 5,047 |
| Tier 1 risk-based capital ratio | 11.0779% | 5,466 |
| Total risk-based capital ratio | 12.3306% | 5,371 |
| Memoranda: | ||
| Average total assets | $476,863,000 | 1,441 |
| Average earning assets | $443,049,500 | 1,444 |
| Average equity | $41,474,000 | 1,782 |
| Average total loans | $317,941,500 | 1,457 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 4,767 |
| Cost of funding earning assets | 0.2685% | 4,607 |
| Net interest margin | 3.2950% | 4,309 |
| Noninterest income to average assets | 1.4299% | 593 |
| Noninterest expense to average assets | 3.7516% | 921 |
| Loan and lease loss provision to assets | 0.1129% | 2,118 |
| Net operating income to assets | 0.4410% | 4,910 |
| Return on assets (ROA) | 0.4415% | 4,997 |
| Pretax return on assets | 0.6178% | 4,785 |
| Return on Equity (ROE) | 5.0945% | 4,462 |
| Retained earnings to average equity (ytd only) | 4.2815% | 2,927 |
| Net charge-offs to loans | 0.0678% | 2,886 |
| Credit loss provision to net charge-offs | 250.7177% | 1,150 |
| Earnings coverage of net charge-offs (x) | 16.2105% | 2,151 |
| Efficiency ratio | 83.7108% | 1,206 |
| Assets per employee ($millions) | 4.1923% | 3,579 |
| Cash dividends to net income (ytd only)* | 15.9590% | 3,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 2,325 |
| Loan loss allowance to noncurrent loans | 113.0666% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.8620% | 2,516 |
| Noncurrent loans to loans | 1.2565% | 1,872 |
| Net loans and leases to total assets | 64.2622% | 3,235 |
| Net loans and leases to deposits | 73.9650% | 3,500 |
| Net loans and leases to core deposits | 75.2941% | 3,818 |
| Total domestic deposits to total assets | 86.8819% | 2,201 |
| Equity capital to assets | 8.4680% | 5,589 |
| Core capital (leverage) ratio | 8.7241% | 5,190 |
| Tier 1 risk-based capital ratio | 11.1834% | 5,430 |
| Total risk-based capital ratio | 12.4358% | 5,326 |
| Memoranda: | ||
| Average total assets | $464,098,200 | 1,450 |
| Average earning assets | $429,835,000 | 1,455 |
| Average equity | $40,220,000 | 1,789 |
| Average total loans | $308,417,200 | 1,438 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5928% | 4,762 |
| Cost of funding earning assets | 0.2806% | 4,553 |
| Net interest margin | 3.3123% | 4,289 |
| Noninterest income to average assets | 1.4334% | 609 |
| Noninterest expense to average assets | 3.8111% | 841 |
| Loan and lease loss provision to assets | 0.1065% | 2,092 |
| Net operating income to assets | 0.4171% | 5,099 |
| Return on assets (ROA) | 0.4177% | 5,184 |
| Pretax return on assets | 0.5819% | 5,023 |
| Return on Equity (ROE) | 4.7916% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.0995% | 3,544 |
| Net charge-offs to loans | 0.0747% | 2,495 |
| Credit loss provision to net charge-offs | 213.3721% | 1,270 |
| Earnings coverage of net charge-offs (x) | 13.7789% | 2,294 |
| Efficiency ratio | 84.7166% | 1,105 |
| Assets per employee ($millions) | 3.9846% | 3,903 |
| Cash dividends to net income (ytd only)* | 14.4446% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3871% | 2,667 |
| Loan loss allowance to noncurrent loans | 116.9583% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 2,740 |
| Noncurrent loans to loans | 1.1860% | 2,155 |
| Net loans and leases to total assets | 66.8297% | 2,873 |
| Net loans and leases to deposits | 78.5528% | 3,042 |
| Net loans and leases to core deposits | 80.0542% | 3,420 |
| Total domestic deposits to total assets | 85.0762% | 2,973 |
| Equity capital to assets | 8.8502% | 5,440 |
| Core capital (leverage) ratio | 8.6973% | 5,356 |
| Tier 1 risk-based capital ratio | 11.0345% | 5,642 |
| Total risk-based capital ratio | 12.2865% | 5,538 |
| Memoranda: | ||
| Average total assets | $459,595,000 | 1,465 |
| Average earning assets | $425,317,000 | 1,468 |
| Average equity | $40,068,750 | 1,815 |
| Average total loans | $306,951,500 | 1,450 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6002% | 4,716 |
| Cost of funding earning assets | 0.2884% | 4,520 |
| Net interest margin | 3.3118% | 4,261 |
| Noninterest income to average assets | 1.4553% | 602 |
| Noninterest expense to average assets | 3.8708% | 797 |
| Loan and lease loss provision to assets | 0.0916% | 2,288 |
| Net operating income to assets | 0.4037% | 5,123 |
| Return on assets (ROA) | 0.4046% | 5,228 |
| Pretax return on assets | 0.5581% | 5,080 |
| Return on Equity (ROE) | 4.6646% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.4183% | 3,202 |
| Net charge-offs to loans | 0.0531% | 2,657 |
| Credit loss provision to net charge-offs | 259.2593% | 1,023 |
| Earnings coverage of net charge-offs (x) | 18.3580% | 1,810 |
| Efficiency ratio | 85.6536% | 1,085 |
| Assets per employee ($millions) | 3.8541% | 4,159 |
| Cash dividends to net income (ytd only)* | 5.2802% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 2,749 |
| Loan loss allowance to noncurrent loans | 116.2772% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 2,825 |
| Noncurrent loans to loans | 1.2061% | 2,246 |
| Net loans and leases to total assets | 66.1485% | 2,926 |
| Net loans and leases to deposits | 76.3027% | 3,231 |
| Net loans and leases to core deposits | 78.6620% | 3,513 |
| Total domestic deposits to total assets | 86.6922% | 2,321 |
| Equity capital to assets | 8.8046% | 5,433 |
| Core capital (leverage) ratio | 8.7971% | 5,227 |
| Tier 1 risk-based capital ratio | 11.9260% | 5,197 |
| Total risk-based capital ratio | 13.1793% | 5,100 |
| Memoranda: | ||
| Average total assets | $458,721,670 | 1,480 |
| Average earning assets | $424,360,330 | 1,482 |
| Average equity | $39,789,330 | 1,833 |
| Average total loans | $304,854,670 | 1,458 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5288% | 4,889 |
| Cost of funding earning assets | 0.2965% | 4,479 |
| Net interest margin | 3.2324% | 4,480 |
| Noninterest income to average assets | 1.4274% | 576 |
| Noninterest expense to average assets | 3.7726% | 907 |
| Loan and lease loss provision to assets | 0.1363% | 1,515 |
| Net operating income to assets | 0.3732% | 5,175 |
| Return on assets (ROA) | 0.3751% | 5,285 |
| Pretax return on assets | 0.5123% | 5,148 |
| Return on Equity (ROE) | 4.3567% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.3567% | 3,403 |
| Net charge-offs to loans | 0.0866% | 1,853 |
| Credit loss provision to net charge-offs | 237.8788% | 945 |
| Earnings coverage of net charge-offs (x) | 11.2727% | 1,874 |
| Efficiency ratio | 85.3802% | 1,232 |
| Assets per employee ($millions) | 3.9946% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 3,014 |
| Loan loss allowance to noncurrent loans | 101.7026% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9611% | 2,701 |
| Noncurrent loans to loans | 1.3577% | 2,116 |
| Net loans and leases to total assets | 65.9355% | 2,786 |
| Net loans and leases to deposits | 76.5265% | 2,990 |
| Net loans and leases to core deposits | 78.9202% | 3,286 |
| Total domestic deposits to total assets | 86.1603% | 2,856 |
| Equity capital to assets | 8.7491% | 5,546 |
| Core capital (leverage) ratio | 8.6686% | 5,356 |
| Tier 1 risk-based capital ratio | 11.5583% | 5,524 |
| Total risk-based capital ratio | 12.7821% | 5,454 |
| Memoranda: | ||
| Average total assets | $460,689,500 | 1,476 |
| Average earning assets | $426,315,000 | 1,482 |
| Average equity | $39,663,000 | 1,847 |
| Average total loans | $304,725,500 | 1,457 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6514% | 4,928 |
| Cost of funding earning assets | 0.3586% | 4,155 |
| Net interest margin | 3.2929% | 4,600 |
| Noninterest income to average assets | 1.6637% | 461 |
| Noninterest expense to average assets | 4.3178% | 535 |
| Loan and lease loss provision to assets | 0.0599% | 3,330 |
| Net operating income to assets | 0.2507% | 5,660 |
| Return on assets (ROA) | 0.2570% | 5,700 |
| Pretax return on assets | 0.3292% | 5,649 |
| Return on Equity (ROE) | 3.0816% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.8423% | 4,212 |
| Net charge-offs to loans | 0.1067% | 2,985 |
| Credit loss provision to net charge-offs | 85.0467% | 2,760 |
| Earnings coverage of net charge-offs (x) | 5.4112% | 3,423 |
| Efficiency ratio | 91.8934% | 712 |
| Assets per employee ($millions) | 3.8824% | 4,203 |
| Cash dividends to net income (ytd only)* | 7.7645% | 4,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 3,078 |
| Loan loss allowance to noncurrent loans | 96.8043% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.9809% | 2,795 |
| Noncurrent loans to loans | 1.4180% | 2,073 |
| Net loans and leases to total assets | 64.5382% | 3,140 |
| Net loans and leases to deposits | 74.7300% | 3,346 |
| Net loans and leases to core deposits | 77.2613% | 3,588 |
| Total domestic deposits to total assets | 86.3618% | 2,636 |
| Equity capital to assets | 8.4707% | 5,775 |
| Core capital (leverage) ratio | 8.3564% | 5,718 |
| Tier 1 risk-based capital ratio | 12.2549% | 5,189 |
| Total risk-based capital ratio | 13.5086% | 5,101 |
| Memoranda: | ||
| Average total assets | $456,020,400 | 1,463 |
| Average earning assets | $420,302,800 | 1,463 |
| Average equity | $38,032,000 | 1,858 |
| Average total loans | $300,972,200 | 1,423 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 4,982 |
| Cost of funding earning assets | 0.3689% | 4,136 |
| Net interest margin | 3.2878% | 4,653 |
| Noninterest income to average assets | 1.7732% | 417 |
| Noninterest expense to average assets | 4.3948% | 509 |
| Loan and lease loss provision to assets | 0.0563% | 3,246 |
| Net operating income to assets | 0.2797% | 5,652 |
| Return on assets (ROA) | 0.2884% | 5,696 |
| Pretax return on assets | 0.3605% | 5,655 |
| Return on Equity (ROE) | 3.4713% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.2983% | 4,276 |
| Net charge-offs to loans | 0.1375% | 2,421 |
| Credit loss provision to net charge-offs | 61.9355% | 2,910 |
| Earnings coverage of net charge-offs (x) | 4.4646% | 3,452 |
| Efficiency ratio | 91.5434% | 736 |
| Assets per employee ($millions) | 3.6065% | 4,670 |
| Cash dividends to net income (ytd only)* | 4.9846% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 3,333 |
| Loan loss allowance to noncurrent loans | 66.6122% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.3525% | 2,285 |
| Noncurrent loans to loans | 2.0476% | 1,532 |
| Net loans and leases to total assets | 62.4505% | 3,419 |
| Net loans and leases to deposits | 72.5506% | 3,619 |
| Net loans and leases to core deposits | 76.0500% | 3,734 |
| Total domestic deposits to total assets | 86.0786% | 2,807 |
| Equity capital to assets | 8.1529% | 6,041 |
| Core capital (leverage) ratio | 8.3532% | 5,798 |
| Tier 1 risk-based capital ratio | 12.2986% | 5,300 |
| Total risk-based capital ratio | 13.5524% | 5,222 |
| Memoranda: | ||
| Average total assets | $454,524,500 | 1,472 |
| Average earning assets | $418,547,000 | 1,470 |
| Average equity | $37,756,250 | 1,873 |
| Average total loans | $300,635,500 | 1,428 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6909% | 4,887 |
| Cost of funding earning assets | 0.3813% | 4,093 |
| Net interest margin | 3.3096% | 4,549 |
| Noninterest income to average assets | 1.8825% | 377 |
| Noninterest expense to average assets | 4.4909% | 457 |
| Loan and lease loss provision to assets | 0.0589% | 3,099 |
| Net operating income to assets | 0.2987% | 5,571 |
| Return on assets (ROA) | 0.2987% | 5,641 |
| Pretax return on assets | 0.3750% | 5,625 |
| Return on Equity (ROE) | 3.5731% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.3118% | 4,093 |
| Net charge-offs to loans | 0.2046% | 1,801 |
| Credit loss provision to net charge-offs | 42.8571% | 2,888 |
| Earnings coverage of net charge-offs (x) | 3.1591% | 3,377 |
| Efficiency ratio | 91.1906% | 820 |
| Assets per employee ($millions) | 3.1370% | 5,533 |
| Cash dividends to net income (ytd only)* | 7.3134% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 3,553 |
| Loan loss allowance to noncurrent loans | 66.7330% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.3644% | 2,399 |
| Noncurrent loans to loans | 2.0336% | 1,657 |
| Net loans and leases to total assets | 63.3948% | 3,181 |
| Net loans and leases to deposits | 72.4735% | 3,509 |
| Net loans and leases to core deposits | 77.0071% | 3,536 |
| Total domestic deposits to total assets | 87.4731% | 2,207 |
| Equity capital to assets | 8.3197% | 5,937 |
| Core capital (leverage) ratio | 8.7266% | 5,364 |
| Tier 1 risk-based capital ratio | 12.4026% | 5,296 |
| Total risk-based capital ratio | 13.6564% | 5,215 |
| Memoranda: | ||
| Average total assets | $448,550,670 | 1,487 |
| Average earning assets | $412,312,670 | 1,492 |
| Average equity | $37,502,330 | 1,878 |
| Average total loans | $301,139,000 | 1,428 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7541% | 4,653 |
| Cost of funding earning assets | 0.3945% | 4,035 |
| Net interest margin | 3.3595% | 4,294 |
| Noninterest income to average assets | 2.0965% | 312 |
| Noninterest expense to average assets | 4.6652% | 395 |
| Loan and lease loss provision to assets | 0.0696% | 2,743 |
| Net operating income to assets | 0.3356% | 5,372 |
| Return on assets (ROA) | 0.3356% | 5,423 |
| Pretax return on assets | 0.4423% | 5,332 |
| Return on Equity (ROE) | 4.0032% | 5,032 |
| Retained earnings to average equity (ytd only) | 4.0032% | 3,711 |
| Net charge-offs to loans | 0.0659% | 2,497 |
| Credit loss provision to net charge-offs | 154.0000% | 1,238 |
| Earnings coverage of net charge-offs (x) | 11.3200% | 1,788 |
| Efficiency ratio | 90.1118% | 1,027 |
| Assets per employee ($millions) | 3.0551% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 3,504 |
| Loan loss allowance to noncurrent loans | 65.4937% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.5161% | 2,332 |
| Noncurrent loans to loans | 2.1670% | 1,687 |
| Net loans and leases to total assets | 66.2479% | 2,528 |
| Net loans and leases to deposits | 75.8450% | 2,826 |
| Net loans and leases to core deposits | 80.0800% | 2,954 |
| Total domestic deposits to total assets | 87.3465% | 2,600 |
| Equity capital to assets | 8.4848% | 5,671 |
| Core capital (leverage) ratio | 8.8432% | 5,206 |
| Tier 1 risk-based capital ratio | 12.3080% | 5,434 |
| Total risk-based capital ratio | 13.5623% | 5,363 |
| Memoranda: | ||
| Average total assets | $442,253,500 | 1,517 |
| Average earning assets | $405,535,000 | 1,515 |
| Average equity | $37,070,500 | 1,892 |
| Average total loans | $303,526,500 | 1,424 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8767% | 4,548 |
| Cost of funding earning assets | 0.4356% | 4,258 |
| Net interest margin | 3.4410% | 4,128 |
| Noninterest income to average assets | 4.2153% | 157 |
| Noninterest expense to average assets | 6.8320% | 155 |
| Loan and lease loss provision to assets | 0.0945% | 3,236 |
| Net operating income to assets | 0.3524% | 5,324 |
| Return on assets (ROA) | 0.3430% | 5,475 |
| Pretax return on assets | 0.4263% | 5,423 |
| Return on Equity (ROE) | 4.0897% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.7817% | 3,509 |
| Net charge-offs to loans | 0.1576% | 3,229 |
| Credit loss provision to net charge-offs | 84.7561% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.7785% | 3,460 |
| Efficiency ratio | 92.7684% | 825 |
| Assets per employee ($millions) | 2.3238% | 6,509 |
| Cash dividends to net income (ytd only)* | 7.5297% | 4,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 3,858 |
| Loan loss allowance to noncurrent loans | 64.7340% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.5288% | 2,431 |
| Noncurrent loans to loans | 2.0963% | 1,888 |
| Net loans and leases to total assets | 69.1159% | 2,157 |
| Net loans and leases to deposits | 79.3898% | 2,539 |
| Net loans and leases to core deposits | 83.9273% | 2,683 |
| Total domestic deposits to total assets | 87.0589% | 2,694 |
| Equity capital to assets | 8.2792% | 5,792 |
| Core capital (leverage) ratio | 8.6313% | 5,498 |
| Tier 1 risk-based capital ratio | 11.9025% | 5,672 |
| Total risk-based capital ratio | 13.1563% | 5,609 |
| Memoranda: | ||
| Average total assets | $441,439,000 | 1,500 |
| Average earning assets | $404,005,600 | 1,502 |
| Average equity | $37,020,200 | 1,865 |
| Average total loans | $312,279,000 | 1,357 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 4,577 |
| Cost of funding earning assets | 0.4372% | 4,418 |
| Net interest margin | 3.4425% | 4,113 |
| Noninterest income to average assets | 4.5244% | 155 |
| Noninterest expense to average assets | 7.0806% | 143 |
| Loan and lease loss provision to assets | 0.1257% | 2,724 |
| Net operating income to assets | 0.3713% | 5,368 |
| Return on assets (ROA) | 0.3806% | 5,469 |
| Pretax return on assets | 0.4809% | 5,414 |
| Return on Equity (ROE) | 4.5237% | 4,973 |
| Retained earnings to average equity (ytd only) | 4.3155% | 3,608 |
| Net charge-offs to loans | 0.1921% | 2,689 |
| Credit loss provision to net charge-offs | 92.2395% | 2,578 |
| Earnings coverage of net charge-offs (x) | 4.3658% | 3,459 |
| Efficiency ratio | 92.2514% | 836 |
| Assets per employee ($millions) | 2.4863% | 6,491 |
| Cash dividends to net income (ytd only)* | 4.6031% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 3,858 |
| Loan loss allowance to noncurrent loans | 62.7666% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 1.5087% | 2,673 |
| Noncurrent loans to loans | 2.2445% | 1,965 |
| Net loans and leases to total assets | 66.2712% | 2,589 |
| Net loans and leases to deposits | 77.8830% | 2,686 |
| Net loans and leases to core deposits | 82.6826% | 2,812 |
| Total domestic deposits to total assets | 85.0907% | 3,691 |
| Equity capital to assets | 8.2006% | 6,001 |
| Core capital (leverage) ratio | 8.5605% | 5,711 |
| Tier 1 risk-based capital ratio | 11.5345% | 6,045 |
| Total risk-based capital ratio | 12.7885% | 6,010 |
| Memoranda: | ||
| Average total assets | $441,420,000 | 1,513 |
| Average earning assets | $404,036,750 | 1,509 |
| Average equity | $37,136,750 | 1,877 |
| Average total loans | $313,010,000 | 1,357 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9119% | 4,432 |
| Cost of funding earning assets | 0.4351% | 4,605 |
| Net interest margin | 3.4768% | 3,891 |
| Noninterest income to average assets | 4.9251% | 148 |
| Noninterest expense to average assets | 7.4810% | 133 |
| Loan and lease loss provision to assets | 0.1484% | 2,480 |
| Net operating income to assets | 0.3761% | 5,304 |
| Return on assets (ROA) | 0.3901% | 5,412 |
| Pretax return on assets | 0.4925% | 5,404 |
| Return on Equity (ROE) | 4.5974% | 4,955 |
| Retained earnings to average equity (ytd only) | 4.2863% | 3,564 |
| Net charge-offs to loans | 0.1672% | 2,779 |
| Credit loss provision to net charge-offs | 123.0189% | 1,822 |
| Earnings coverage of net charge-offs (x) | 5.1660% | 2,955 |
| Efficiency ratio | 92.3107% | 873 |
| Assets per employee ($millions) | 2.3232% | 6,626 |
| Cash dividends to net income (ytd only)* | 6.7678% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 4,094 |
| Loan loss allowance to noncurrent loans | 61.4752% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 1.6313% | 2,662 |
| Noncurrent loans to loans | 2.2586% | 2,107 |
| Net loans and leases to total assets | 70.4723% | 1,807 |
| Net loans and leases to deposits | 82.1149% | 2,044 |
| Net loans and leases to core deposits | 87.1908% | 2,212 |
| Total domestic deposits to total assets | 85.8216% | 3,465 |
| Equity capital to assets | 8.3385% | 5,933 |
| Core capital (leverage) ratio | 8.6995% | 5,426 |
| Tier 1 risk-based capital ratio | 11.3056% | 6,202 |
| Total risk-based capital ratio | 12.5598% | 6,164 |
| Memoranda: | ||
| Average total assets | $439,380,000 | 1,513 |
| Average earning assets | $401,751,000 | 1,513 |
| Average equity | $37,282,000 | 1,876 |
| Average total loans | $317,070,670 | 1,338 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9076% | 4,443 |
| Cost of funding earning assets | 0.4348% | 4,759 |
| Net interest margin | 3.4728% | 3,815 |
| Noninterest income to average assets | 4.6709% | 161 |
| Noninterest expense to average assets | 7.4057% | 134 |
| Loan and lease loss provision to assets | 0.1325% | 2,581 |
| Net operating income to assets | 0.2568% | 5,704 |
| Return on assets (ROA) | 0.3041% | 5,678 |
| Pretax return on assets | 0.3640% | 5,662 |
| Return on Equity (ROE) | 3.5532% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.5532% | 4,108 |
| Net charge-offs to loans | 0.2779% | 1,846 |
| Credit loss provision to net charge-offs | 65.7658% | 2,350 |
| Earnings coverage of net charge-offs (x) | 2.1847% | 3,106 |
| Efficiency ratio | 94.3892% | 809 |
| Assets per employee ($millions) | 2.3160% | 6,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 4,264 |
| Loan loss allowance to noncurrent loans | 53.1266% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 1.8788% | 2,506 |
| Noncurrent loans to loans | 2.6260% | 1,959 |
| Net loans and leases to total assets | 69.2349% | 1,792 |
| Net loans and leases to deposits | 79.7930% | 2,102 |
| Net loans and leases to core deposits | 84.7610% | 2,237 |
| Total domestic deposits to total assets | 86.7682% | 3,092 |
| Equity capital to assets | 8.8197% | 5,697 |
| Core capital (leverage) ratio | 8.6533% | 5,388 |
| Tier 1 risk-based capital ratio | 12.4565% | 5,605 |
| Total risk-based capital ratio | 13.7125% | 5,550 |
| Memoranda: | ||
| Average total assets | $440,685,000 | 1,523 |
| Average earning assets | $402,908,000 | 1,516 |
| Average equity | $37,713,000 | 1,879 |
| Average total loans | $319,538,000 | 1,329 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 4,236 |
| Cost of funding earning assets | 0.5244% | 5,030 |
| Net interest margin | 3.7634% | 3,378 |
| Noninterest income to average assets | 4.9131% | 149 |
| Noninterest expense to average assets | 7.4751% | 125 |
| Loan and lease loss provision to assets | 0.1577% | 3,648 |
| Net operating income to assets | 0.5237% | 4,584 |
| Return on assets (ROA) | 0.5394% | 4,777 |
| Pretax return on assets | 0.7286% | 4,561 |
| Return on Equity (ROE) | 6.2835% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.8345% | 2,171 |
| Net charge-offs to loans | 0.1588% | 4,111 |
| Credit loss provision to net charge-offs | 136.0887% | 2,040 |
| Earnings coverage of net charge-offs (x) | 7.4657% | 2,595 |
| Efficiency ratio | 89.6280% | 1,098 |
| Assets per employee ($millions) | 2.4482% | 6,657 |
| Cash dividends to net income (ytd only)* | 7.1460% | 4,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 4,809 |
| Loan loss allowance to noncurrent loans | 52.4681% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 1.8313% | 2,677 |
| Noncurrent loans to loans | 2.4078% | 2,219 |
| Net loans and leases to total assets | 73.7369% | 1,231 |
| Net loans and leases to deposits | 90.4504% | 1,034 |
| Net loans and leases to core deposits | 96.2912% | 1,276 |
| Total domestic deposits to total assets | 81.5219% | 5,253 |
| Equity capital to assets | 8.3100% | 6,192 |
| Core capital (leverage) ratio | 8.3524% | 5,823 |
| Tier 1 risk-based capital ratio | 11.5051% | 6,105 |
| Total risk-based capital ratio | 12.7592% | 6,068 |
| Memoranda: | ||
| Average total assets | $428,076,800 | 1,534 |
| Average earning assets | $389,806,000 | 1,543 |
| Average equity | $36,747,000 | 1,890 |
| Average total loans | $312,285,200 | 1,346 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3467% | 4,269 |
| Cost of funding earning assets | 0.5340% | 5,222 |
| Net interest margin | 3.8128% | 3,280 |
| Noninterest income to average assets | 4.4177% | 166 |
| Noninterest expense to average assets | 6.9916% | 145 |
| Loan and lease loss provision to assets | 0.1564% | 3,567 |
| Net operating income to assets | 0.5462% | 4,637 |
| Return on assets (ROA) | 0.5581% | 4,841 |
| Pretax return on assets | 0.7544% | 4,660 |
| Return on Equity (ROE) | 6.4467% | 4,095 |
| Retained earnings to average equity (ytd only) | 6.3408% | 2,462 |
| Net charge-offs to loans | 0.1517% | 3,898 |
| Credit loss provision to net charge-offs | 142.2414% | 2,028 |
| Earnings coverage of net charge-offs (x) | 8.1350% | 2,500 |
| Efficiency ratio | 88.6547% | 1,139 |
| Assets per employee ($millions) | 2.3861% | 6,795 |
| Cash dividends to net income (ytd only)* | 1.6423% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 4,955 |
| Loan loss allowance to noncurrent loans | 49.2910% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 2.0406% | 2,593 |
| Noncurrent loans to loans | 2.5738% | 2,220 |
| Net loans and leases to total assets | 73.5753% | 1,308 |
| Net loans and leases to deposits | 93.3474% | 840 |
| Net loans and leases to core deposits | 99.0401% | 1,189 |
| Total domestic deposits to total assets | 78.8188% | 5,917 |
| Equity capital to assets | 8.3913% | 6,359 |
| Core capital (leverage) ratio | 8.5268% | 5,715 |
| Tier 1 risk-based capital ratio | 11.3683% | 6,316 |
| Total risk-based capital ratio | 12.6217% | 6,273 |
| Memoranda: | ||
| Average total assets | $421,868,500 | 1,575 |
| Average earning assets | $383,789,750 | 1,578 |
| Average equity | $36,524,500 | 1,923 |
| Average total loans | $305,797,750 | 1,382 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 4,113 |
| Cost of funding earning assets | 0.5456% | 5,329 |
| Net interest margin | 3.8728% | 3,026 |
| Noninterest income to average assets | 3.8648% | 191 |
| Noninterest expense to average assets | 6.6132% | 168 |
| Loan and lease loss provision to assets | 0.1526% | 3,615 |
| Net operating income to assets | 0.4767% | 4,925 |
| Return on assets (ROA) | 0.4790% | 5,160 |
| Pretax return on assets | 0.6219% | 5,062 |
| Return on Equity (ROE) | 5.4714% | 4,595 |
| Retained earnings to average equity (ytd only) | 5.3110% | 3,087 |
| Net charge-offs to loans | 0.1613% | 3,635 |
| Credit loss provision to net charge-offs | 131.7992% | 2,082 |
| Earnings coverage of net charge-offs (x) | 6.6653% | 2,597 |
| Efficiency ratio | 89.5527% | 1,107 |
| Assets per employee ($millions) | 2.2902% | 6,912 |
| Cash dividends to net income (ytd only)* | 2.9323% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 4,426 |
| Loan loss allowance to noncurrent loans | 53.7440% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 2.0513% | 2,721 |
| Noncurrent loans to loans | 2.6216% | 2,293 |
| Net loans and leases to total assets | 71.1799% | 1,700 |
| Net loans and leases to deposits | 84.7901% | 1,746 |
| Net loans and leases to core deposits | 86.7954% | 2,327 |
| Total domestic deposits to total assets | 83.9483% | 4,335 |
| Equity capital to assets | 8.9633% | 5,739 |
| Core capital (leverage) ratio | 8.8030% | 5,209 |
| Tier 1 risk-based capital ratio | 11.9328% | 5,974 |
| Total risk-based capital ratio | 13.1871% | 5,937 |
| Memoranda: | ||
| Average total assets | $412,959,670 | 1,606 |
| Average earning assets | $375,338,330 | 1,609 |
| Average equity | $36,151,670 | 1,927 |
| Average total loans | $296,298,330 | 1,436 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 3,933 |
| Cost of funding earning assets | 0.5650% | 5,394 |
| Net interest margin | 3.9292% | 2,806 |
| Noninterest income to average assets | 3.4859% | 194 |
| Noninterest expense to average assets | 6.4101% | 176 |
| Loan and lease loss provision to assets | 0.1544% | 3,443 |
| Net operating income to assets | 0.4139% | 5,201 |
| Return on assets (ROA) | 0.3725% | 5,559 |
| Pretax return on assets | 0.4430% | 5,608 |
| Return on Equity (ROE) | 4.3062% | 5,136 |
| Retained earnings to average equity (ytd only) | 4.3062% | 4,006 |
| Net charge-offs to loans | 0.1336% | 3,305 |
| Credit loss provision to net charge-offs | 161.6162% | 1,573 |
| Earnings coverage of net charge-offs (x) | 6.7677% | 2,157 |
| Efficiency ratio | 90.8370% | 1,028 |
| Assets per employee ($millions) | 2.3769% | 6,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 4,480 |
| Loan loss allowance to noncurrent loans | 58.4142% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 1.9000% | 3,045 |
| Noncurrent loans to loans | 2.4439% | 2,668 |
| Net loans and leases to total assets | 69.7715% | 1,793 |
| Net loans and leases to deposits | 83.2592% | 1,761 |
| Net loans and leases to core deposits | 85.2201% | 2,379 |
| Total domestic deposits to total assets | 83.8004% | 4,592 |
| Equity capital to assets | 8.7782% | 5,776 |
| Core capital (leverage) ratio | 8.4902% | 5,611 |
| Tier 1 risk-based capital ratio | 11.6299% | 6,200 |
| Total risk-based capital ratio | 12.8836% | 6,178 |
| Memoranda: | ||
| Average total assets | $414,470,000 | 1,602 |
| Average earning assets | $376,663,000 | 1,610 |
| Average equity | $35,855,500 | 1,940 |
| Average total loans | $296,465,500 | 1,432 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5669% | 4,799 |
| Cost of funding earning assets | 0.6992% | 5,548 |
| Net interest margin | 3.8677% | 3,480 |
| Noninterest income to average assets | 2.3066% | 305 |
| Noninterest expense to average assets | 5.2241% | 322 |
| Loan and lease loss provision to assets | 0.0870% | 5,503 |
| Net operating income to assets | 0.4351% | 4,716 |
| Return on assets (ROA) | 0.4402% | 4,896 |
| Pretax return on assets | 0.5102% | 4,962 |
| Return on Equity (ROE) | 5.3863% | 4,208 |
| Retained earnings to average equity (ytd only) | 4.8022% | 2,787 |
| Net charge-offs to loans | 0.2195% | 4,414 |
| Credit loss provision to net charge-offs | 56.8504% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.8614% | 3,365 |
| Efficiency ratio | 89.8342% | 1,205 |
| Assets per employee ($millions) | 2.4865% | 6,845 |
| Cash dividends to net income (ytd only)* | 10.8434% | 3,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 4,643 |
| Loan loss allowance to noncurrent loans | 58.5945% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.9254% | 3,073 |
| Noncurrent loans to loans | 2.3145% | 2,841 |
| Net loans and leases to total assets | 71.2839% | 1,772 |
| Net loans and leases to deposits | 85.6194% | 1,717 |
| Net loans and leases to core deposits | 87.6571% | 2,409 |
| Total domestic deposits to total assets | 83.2567% | 4,638 |
| Equity capital to assets | 8.5257% | 6,115 |
| Core capital (leverage) ratio | 8.4714% | 5,612 |
| Tier 1 risk-based capital ratio | 11.2792% | 6,303 |
| Total risk-based capital ratio | 12.5323% | 6,276 |
| Memoranda: | ||
| Average total assets | $414,771,000 | 1,570 |
| Average earning assets | $376,274,200 | 1,581 |
| Average equity | $33,900,800 | 1,972 |
| Average total loans | $289,353,000 | 1,479 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5616% | 5,032 |
| Cost of funding earning assets | 0.7058% | 5,724 |
| Net interest margin | 3.8557% | 3,586 |
| Noninterest income to average assets | 2.0317% | 372 |
| Noninterest expense to average assets | 4.9306% | 402 |
| Loan and lease loss provision to assets | 0.0631% | 5,663 |
| Net operating income to assets | 0.4293% | 4,860 |
| Return on assets (ROA) | 0.4344% | 5,033 |
| Pretax return on assets | 0.5417% | 5,006 |
| Return on Equity (ROE) | 5.3735% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.1703% | 3,081 |
| Net charge-offs to loans | 0.2753% | 3,709 |
| Credit loss provision to net charge-offs | 33.1641% | 5,371 |
| Earnings coverage of net charge-offs (x) | 3.1438% | 3,563 |
| Efficiency ratio | 89.1782% | 1,227 |
| Assets per employee ($millions) | 2.6835% | 6,669 |
| Cash dividends to net income (ytd only)* | 3.7807% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 4,686 |
| Loan loss allowance to noncurrent loans | 53.6674% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 2.0517% | 3,074 |
| Noncurrent loans to loans | 2.5512% | 2,716 |
| Net loans and leases to total assets | 68.8064% | 2,312 |
| Net loans and leases to deposits | 82.8017% | 2,205 |
| Net loans and leases to core deposits | 85.0590% | 2,904 |
| Total domestic deposits to total assets | 83.0979% | 4,637 |
| Equity capital to assets | 8.5330% | 6,268 |
| Core capital (leverage) ratio | 8.4838% | 5,733 |
| Tier 1 risk-based capital ratio | 11.3696% | 6,319 |
| Total risk-based capital ratio | 12.6222% | 6,313 |
| Memoranda: | ||
| Average total assets | $414,029,250 | 1,580 |
| Average earning assets | $375,534,000 | 1,592 |
| Average equity | $33,472,250 | 1,996 |
| Average total loans | $286,222,750 | 1,505 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 5,239 |
| Cost of funding earning assets | 0.7122% | 5,888 |
| Net interest margin | 3.8239% | 3,674 |
| Noninterest income to average assets | 1.7828% | 430 |
| Noninterest expense to average assets | 4.7897% | 442 |
| Loan and lease loss provision to assets | 0.0392% | 5,822 |
| Net operating income to assets | 0.3739% | 5,062 |
| Return on assets (ROA) | 0.3261% | 5,402 |
| Pretax return on assets | 0.3682% | 5,489 |
| Return on Equity (ROE) | 4.1099% | 4,879 |
| Retained earnings to average equity (ytd only) | 3.7989% | 3,798 |
| Net charge-offs to loans | 0.3910% | 2,995 |
| Credit loss provision to net charge-offs | 14.5422% | 5,201 |
| Earnings coverage of net charge-offs (x) | 1.7110% | 4,018 |
| Efficiency ratio | 91.2190% | 1,153 |
| Assets per employee ($millions) | 2.7588% | 6,542 |
| Cash dividends to net income (ytd only)* | 7.5668% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 4,714 |
| Loan loss allowance to noncurrent loans | 52.7657% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 2.0817% | 3,139 |
| Noncurrent loans to loans | 2.6018% | 2,776 |
| Net loans and leases to total assets | 68.0189% | 2,609 |
| Net loans and leases to deposits | 82.2829% | 2,410 |
| Net loans and leases to core deposits | 85.3297% | 3,027 |
| Total domestic deposits to total assets | 82.6646% | 4,921 |
| Equity capital to assets | 8.2328% | 6,489 |
| Core capital (leverage) ratio | 8.3745% | 5,746 |
| Tier 1 risk-based capital ratio | 11.2121% | 6,375 |
| Total risk-based capital ratio | 12.4646% | 6,366 |
| Memoranda: | ||
| Average total assets | $413,389,670 | 1,595 |
| Average earning assets | $374,901,330 | 1,605 |
| Average equity | $32,798,670 | 2,014 |
| Average total loans | $284,906,330 | 1,526 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 4,004 |
| Cost of funding earning assets | 0.7039% | 6,110 |
| Net interest margin | 4.1086% | 2,234 |
| Noninterest income to average assets | 1.5998% | 519 |
| Noninterest expense to average assets | 4.9702% | 374 |
| Loan and lease loss provision to assets | -0.0280% | 7,459 |
| Net operating income to assets | 0.3682% | 5,087 |
| Return on assets (ROA) | 0.3010% | 5,460 |
| Pretax return on assets | 0.3203% | 5,592 |
| Return on Equity (ROE) | 3.8665% | 4,968 |
| Retained earnings to average equity (ytd only) | 3.8665% | 3,849 |
| Net charge-offs to loans | 0.5112% | 2,201 |
| Credit loss provision to net charge-offs | -7.9452% | 5,584 |
| Earnings coverage of net charge-offs (x) | 1.0329% | 3,886 |
| Efficiency ratio | 93.1802% | 1,084 |
| Assets per employee ($millions) | 2.6501% | 6,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 4,493 |
| Loan loss allowance to noncurrent loans | 71.4877% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.3800% | 4,217 |
| Noncurrent loans to loans | 2.0109% | 3,563 |
| Net loans and leases to total assets | 67.6398% | 2,631 |
| Net loans and leases to deposits | 79.6713% | 2,770 |
| Net loans and leases to core deposits | 81.7282% | 3,490 |
| Total domestic deposits to total assets | 84.8986% | 4,083 |
| Equity capital to assets | 8.0357% | 6,460 |
| Core capital (leverage) ratio | 8.1073% | 6,118 |
| Tier 1 risk-based capital ratio | 11.2942% | 6,261 |
| Total risk-based capital ratio | 12.5453% | 6,242 |
| Memoranda: | ||
| Average total assets | $414,554,000 | 1,600 |
| Average earning assets | $376,766,500 | 1,609 |
| Average equity | $32,277,000 | 2,028 |
| Average total loans | $285,614,000 | 1,538 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8972% | 5,047 |
| Cost of funding earning assets | 0.8587% | 6,340 |
| Net interest margin | 4.0385% | 2,848 |
| Noninterest income to average assets | 1.8937% | 439 |
| Noninterest expense to average assets | 4.6579% | 567 |
| Loan and lease loss provision to assets | 0.1172% | 5,987 |
| Net operating income to assets | 0.5931% | 3,703 |
| Return on assets (ROA) | 0.6335% | 3,668 |
| Pretax return on assets | 0.8581% | 3,445 |
| Return on Equity (ROE) | 8.2832% | 2,590 |
| Retained earnings to average equity (ytd only) | 7.3759% | 1,185 |
| Net charge-offs to loans | 0.0181% | 6,636 |
| Credit loss provision to net charge-offs | 948.0769% | 234 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 324 |
| Efficiency ratio | 83.4973% | 1,984 |
| Assets per employee ($millions) | 2.8231% | 6,488 |
| Cash dividends to net income (ytd only)* | 10.9527% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 4,116 |
| Loan loss allowance to noncurrent loans | 77.2414% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.3266% | 4,372 |
| Noncurrent loans to loans | 1.9183% | 3,664 |
| Net loans and leases to total assets | 68.1275% | 2,955 |
| Net loans and leases to deposits | 82.2096% | 2,763 |
| Net loans and leases to core deposits | 83.9173% | 3,604 |
| Total domestic deposits to total assets | 82.8704% | 4,853 |
| Equity capital to assets | 7.5500% | 6,855 |
| Core capital (leverage) ratio | 7.7513% | 6,497 |
| Tier 1 risk-based capital ratio | 10.9012% | 6,414 |
| Total risk-based capital ratio | 12.1524% | 6,383 |
| Memoranda: | ||
| Average total assets | $420,815,200 | 1,576 |
| Average earning assets | $383,952,200 | 1,573 |
| Average equity | $32,185,800 | 2,043 |
| Average total loans | $287,526,200 | 1,560 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9516% | 5,031 |
| Cost of funding earning assets | 0.8876% | 6,445 |
| Net interest margin | 4.0640% | 2,793 |
| Noninterest income to average assets | 1.6348% | 523 |
| Noninterest expense to average assets | 4.3571% | 699 |
| Loan and lease loss provision to assets | 0.0941% | 6,082 |
| Net operating income to assets | 0.6431% | 3,685 |
| Return on assets (ROA) | 0.6663% | 3,731 |
| Pretax return on assets | 0.9244% | 3,472 |
| Return on Equity (ROE) | 8.6827% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.2436% | 1,335 |
| Net charge-offs to loans | 0.0215% | 6,372 |
| Credit loss provision to net charge-offs | 643.4783% | 456 |
| Earnings coverage of net charge-offs (x) | 67.4585% | 447 |
| Efficiency ratio | 81.5407% | 2,124 |
| Assets per employee ($millions) | 2.9105% | 6,345 |
| Cash dividends to net income (ytd only)* | 5.0573% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 4,291 |
| Loan loss allowance to noncurrent loans | 102.8818% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.9755% | 5,136 |
| Noncurrent loans to loans | 1.3938% | 4,530 |
| Net loans and leases to total assets | 68.9826% | 2,991 |
| Net loans and leases to deposits | 81.8046% | 3,145 |
| Net loans and leases to core deposits | 83.6531% | 4,002 |
| Total domestic deposits to total assets | 84.3260% | 3,948 |
| Equity capital to assets | 8.0459% | 6,760 |
| Core capital (leverage) ratio | 7.9831% | 6,370 |
| Tier 1 risk-based capital ratio | 11.3056% | 6,096 |
| Total risk-based capital ratio | 12.5571% | 6,090 |
| Memoranda: | ||
| Average total assets | $419,446,000 | 1,607 |
| Average earning assets | $382,763,000 | 1,597 |
| Average equity | $32,186,000 | 2,059 |
| Average total loans | $285,710,250 | 1,582 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 5,106 |
| Cost of funding earning assets | 0.9145% | 6,522 |
| Net interest margin | 4.0511% | 2,780 |
| Noninterest income to average assets | 1.4577% | 596 |
| Noninterest expense to average assets | 4.1743% | 838 |
| Loan and lease loss provision to assets | 0.0861% | 6,065 |
| Net operating income to assets | 0.6451% | 3,645 |
| Return on assets (ROA) | 0.6810% | 3,627 |
| Pretax return on assets | 0.9445% | 3,330 |
| Return on Equity (ROE) | 9.0198% | 2,456 |
| Retained earnings to average equity (ytd only) | 8.3521% | 1,316 |
| Net charge-offs to loans | 0.0218% | 6,033 |
| Credit loss provision to net charge-offs | 583.8710% | 642 |
| Earnings coverage of net charge-offs (x) | 66.5161% | 470 |
| Efficiency ratio | 80.9761% | 2,302 |
| Assets per employee ($millions) | 3.1348% | 5,834 |
| Cash dividends to net income (ytd only)* | 7.4022% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 4,098 |
| Loan loss allowance to noncurrent loans | 729.3381% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 7,051 |
| Noncurrent loans to loans | 0.2007% | 6,851 |
| Net loans and leases to total assets | 66.8140% | 3,664 |
| Net loans and leases to deposits | 77.6527% | 4,053 |
| Net loans and leases to core deposits | 79.5351% | 4,735 |
| Total domestic deposits to total assets | 86.0421% | 3,055 |
| Equity capital to assets | 7.9228% | 6,834 |
| Core capital (leverage) ratio | 7.7922% | 6,508 |
| Tier 1 risk-based capital ratio | 10.8117% | 6,445 |
| Total risk-based capital ratio | 12.0640% | 6,422 |
| Memoranda: | ||
| Average total assets | $420,528,670 | 1,620 |
| Average earning assets | $383,796,000 | 1,613 |
| Average equity | $31,752,330 | 2,079 |
| Average total loans | $283,853,330 | 1,611 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9173% | 5,375 |
| Cost of funding earning assets | 0.9546% | 6,556 |
| Net interest margin | 3.9626% | 3,039 |
| Noninterest income to average assets | 1.2702% | 754 |
| Noninterest expense to average assets | 4.1329% | 869 |
| Loan and lease loss provision to assets | 0.1232% | 5,346 |
| Net operating income to assets | 0.5364% | 4,202 |
| Return on assets (ROA) | 0.4165% | 4,911 |
| Pretax return on assets | 0.4908% | 4,991 |
| Return on Equity (ROE) | 5.6504% | 4,035 |
| Retained earnings to average equity (ytd only) | 5.6504% | 2,784 |
| Net charge-offs to loans | 0.0461% | 4,950 |
| Credit loss provision to net charge-offs | 396.9697% | 1,034 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 1,021 |
| Efficiency ratio | 84.5547% | 1,973 |
| Assets per employee ($millions) | 3.1454% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 4,239 |
| Loan loss allowance to noncurrent loans | 4,025.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 7,431 |
| Noncurrent loans to loans | 0.0356% | 7,322 |
| Net loans and leases to total assets | 66.0980% | 3,829 |
| Net loans and leases to deposits | 76.9852% | 4,225 |
| Net loans and leases to core deposits | 79.2118% | 4,864 |
| Total domestic deposits to total assets | 85.8580% | 3,228 |
| Equity capital to assets | 7.5884% | 7,001 |
| Core capital (leverage) ratio | 7.4373% | 6,905 |
| Tier 1 risk-based capital ratio | 10.3972% | 6,720 |
| Total risk-based capital ratio | 11.6492% | 6,715 |
| Memoranda: | ||
| Average total assets | $425,461,000 | 1,640 |
| Average earning assets | $388,427,000 | 1,636 |
| Average equity | $31,360,500 | 2,122 |
| Average total loans | $286,551,000 | 1,649 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2020% | 5,641 |
| Cost of funding earning assets | 1.3046% | 6,291 |
| Net interest margin | 3.8974% | 3,279 |
| Noninterest income to average assets | 1.4822% | 652 |
| Noninterest expense to average assets | 4.2468% | 1,041 |
| Loan and lease loss provision to assets | 0.1239% | 6,400 |
| Net operating income to assets | 0.5155% | 3,671 |
| Return on assets (ROA) | 0.4642% | 3,995 |
| Pretax return on assets | 0.5929% | 3,918 |
| Return on Equity (ROE) | 6.4556% | 3,012 |
| Retained earnings to average equity (ytd only) | 2.9594% | 3,098 |
| Net charge-offs to loans | 0.0542% | 6,556 |
| Credit loss provision to net charge-offs | 327.0440% | 999 |
| Earnings coverage of net charge-offs (x) | 20.6541% | 1,031 |
| Efficiency ratio | 84.4404% | 2,297 |
| Assets per employee ($millions) | 3.0680% | 6,055 |
| Cash dividends to net income (ytd only)* | 54.1581% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 4,522 |
| Loan loss allowance to noncurrent loans | 2,975.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 7,444 |
| Noncurrent loans to loans | 0.0451% | 7,319 |
| Net loans and leases to total assets | 66.7239% | 3,980 |
| Net loans and leases to deposits | 77.4710% | 4,478 |
| Net loans and leases to core deposits | 89.1568% | 5,210 |
| Total domestic deposits to total assets | 86.1276% | 2,945 |
| Equity capital to assets | 7.1606% | 7,289 |
| Core capital (leverage) ratio | 7.0610% | 7,190 |
| Tier 1 risk-based capital ratio | 9.8133% | 7,012 |
| Total risk-based capital ratio | 11.0545% | 7,000 |
| Memoranda: | ||
| Average total assets | $419,655,000 | 1,647 |
| Average earning assets | $381,950,200 | 1,644 |
| Average equity | $30,175,200 | 2,218 |
| Average total loans | $293,102,600 | 1,633 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2397% | 5,731 |
| Cost of funding earning assets | 1.3600% | 6,366 |
| Net interest margin | 3.8797% | 3,309 |
| Noninterest income to average assets | 1.5558% | 615 |
| Noninterest expense to average assets | 4.1361% | 1,092 |
| Loan and lease loss provision to assets | 0.1300% | 6,054 |
| Net operating income to assets | 0.6184% | 3,537 |
| Return on assets (ROA) | 0.5600% | 3,839 |
| Pretax return on assets | 0.7403% | 3,729 |
| Return on Equity (ROE) | 7.7796% | 2,736 |
| Retained earnings to average equity (ytd only) | 3.4116% | 3,390 |
| Net charge-offs to loans | 0.0600% | 6,104 |
| Credit loss provision to net charge-offs | 307.5758% | 1,343 |
| Earnings coverage of net charge-offs (x) | 22.4085% | 1,157 |
| Efficiency ratio | 81.3681% | 2,666 |
| Assets per employee ($millions) | 3.0628% | 6,004 |
| Cash dividends to net income (ytd only)* | 56.1464% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 4,234 |
| Loan loss allowance to noncurrent loans | 10,105.2632% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 7,577 |
| Noncurrent loans to loans | 0.0133% | 7,495 |
| Net loans and leases to total assets | 64.2692% | 4,809 |
| Net loans and leases to deposits | 75.2402% | 5,172 |
| Net loans and leases to core deposits | 88.9754% | 5,528 |
| Total domestic deposits to total assets | 85.4188% | 3,013 |
| Equity capital to assets | 7.0921% | 7,553 |
| Core capital (leverage) ratio | 7.0728% | 7,385 |
| Tier 1 risk-based capital ratio | 10.1337% | 6,846 |
| Total risk-based capital ratio | 11.3849% | 6,792 |
| Memoranda: | ||
| Average total assets | $416,422,000 | 1,675 |
| Average earning assets | $378,611,500 | 1,678 |
| Average equity | $29,975,000 | 2,256 |
| Average total loans | $293,236,750 | 1,654 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3166% | 5,583 |
| Cost of funding earning assets | 1.3818% | 6,546 |
| Net interest margin | 3.9349% | 2,956 |
| Noninterest income to average assets | 1.7892% | 459 |
| Noninterest expense to average assets | 4.2171% | 1,051 |
| Loan and lease loss provision to assets | 0.1324% | 5,771 |
| Net operating income to assets | 0.7237% | 3,152 |
| Return on assets (ROA) | 0.7042% | 3,336 |
| Pretax return on assets | 0.9862% | 3,062 |
| Return on Equity (ROE) | 9.7323% | 2,116 |
| Retained earnings to average equity (ytd only) | 3.1000% | 3,590 |
| Net charge-offs to loans | 0.0507% | 5,776 |
| Credit loss provision to net charge-offs | 361.3333% | 1,283 |
| Earnings coverage of net charge-offs (x) | 31.2667% | 967 |
| Efficiency ratio | 78.6313% | 3,249 |
| Assets per employee ($millions) | 3.0444% | 6,015 |
| Cash dividends to net income (ytd only)* | 68.1471% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 4,728 |
| Loan loss allowance to noncurrent loans | 3,960.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 7,573 |
| Noncurrent loans to loans | 0.0311% | 7,461 |
| Net loans and leases to total assets | 70.7167% | 3,531 |
| Net loans and leases to deposits | 81.3790% | 4,327 |
| Net loans and leases to core deposits | 95.6683% | 4,938 |
| Total domestic deposits to total assets | 86.8979% | 2,306 |
| Equity capital to assets | 7.0225% | 7,608 |
| Core capital (leverage) ratio | 7.3157% | 7,221 |
| Tier 1 risk-based capital ratio | 10.1834% | 6,732 |
| Total risk-based capital ratio | 11.4348% | 6,660 |
| Memoranda: | ||
| Average total assets | $409,235,670 | 1,716 |
| Average earning assets | $371,701,670 | 1,734 |
| Average equity | $29,612,670 | 2,296 |
| Average total loans | $295,873,330 | 1,675 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3859% | 5,498 |
| Cost of funding earning assets | 1.3942% | 6,753 |
| Net interest margin | 3.9917% | 2,680 |
| Noninterest income to average assets | 1.6100% | 529 |
| Noninterest expense to average assets | 4.1672% | 980 |
| Loan and lease loss provision to assets | 0.1347% | 5,234 |
| Net operating income to assets | 0.6767% | 3,675 |
| Return on assets (ROA) | 0.6767% | 3,857 |
| Pretax return on assets | 0.9402% | 3,564 |
| Return on Equity (ROE) | 9.2077% | 2,636 |
| Retained earnings to average equity (ytd only) | 9.2077% | 1,418 |
| Net charge-offs to loans | 0.0646% | 4,559 |
| Credit loss provision to net charge-offs | 287.2340% | 1,678 |
| Earnings coverage of net charge-offs (x) | 22.9149% | 1,297 |
| Efficiency ratio | 79.4935% | 2,913 |
| Assets per employee ($millions) | 3.1600% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 4,473 |
| Loan loss allowance to noncurrent loans | 3,233.6283% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 7,538 |
| Noncurrent loans to loans | 0.0385% | 7,437 |
| Net loans and leases to total assets | 71.0140% | 3,463 |
| Net loans and leases to deposits | 83.4526% | 4,069 |
| Net loans and leases to core deposits | 96.5210% | 4,905 |
| Total domestic deposits to total assets | 85.0950% | 3,149 |
| Equity capital to assets | 7.3201% | 7,478 |
| Core capital (leverage) ratio | 7.6679% | 6,930 |
| Tier 1 risk-based capital ratio | 10.2594% | 6,635 |
| Total risk-based capital ratio | 11.4753% | 6,602 |
| Memoranda: | ||
| Average total assets | $400,746,000 | 1,761 |
| Average earning assets | $364,655,500 | 1,768 |
| Average equity | $29,453,500 | 2,319 |
| Average total loans | $291,226,500 | 1,705 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9333% | 5,888 |
| Cost of funding earning assets | 1.7290% | 7,189 |
| Net interest margin | 4.2043% | 2,297 |
| Noninterest income to average assets | 1.3026% | 865 |
| Noninterest expense to average assets | 3.9220% | 1,527 |
| Loan and lease loss provision to assets | 0.1396% | 5,573 |
| Net operating income to assets | 0.7503% | 3,669 |
| Return on assets (ROA) | 0.7550% | 3,482 |
| Pretax return on assets | 1.0639% | 3,165 |
| Return on Equity (ROE) | 10.1424% | 2,207 |
| Retained earnings to average equity (ytd only) | 5.1232% | 1,948 |
| Net charge-offs to loans | 0.0274% | 6,445 |
| Credit loss provision to net charge-offs | 702.5974% | 598 |
| Earnings coverage of net charge-offs (x) | 60.2338% | 664 |
| Efficiency ratio | 76.6194% | 3,136 |
| Assets per employee ($millions) | 3.1508% | 5,623 |
| Cash dividends to net income (ytd only)* | 49.4874% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 4,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 72.5530% | 3,476 |
| Net loans and leases to deposits | 85.7753% | 4,147 |
| Net loans and leases to core deposits | 97.7625% | 5,061 |
| Total domestic deposits to total assets | 84.5850% | 3,036 |
| Equity capital to assets | 7.3802% | 7,482 |
| Core capital (leverage) ratio | 7.6125% | 7,060 |
| Tier 1 risk-based capital ratio | 10.0751% | 6,653 |
| Total risk-based capital ratio | 11.2666% | 6,594 |
| Memoranda: | ||
| Average total assets | $387,536,000 | 1,749 |
| Average earning assets | $351,758,800 | 1,764 |
| Average equity | $28,849,200 | 2,343 |
| Average total loans | $281,399,600 | 1,715 |