Home > Heartland Bank > Performance and Condition Ratios
Heartland Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0961% | 1,859 |
| Cost of funding earning assets | 1.3824% | 2,273 |
| Net interest margin | 3.7136% | 1,735 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 2.4759% | 2,359 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.3911% | 1,228 |
| Return on assets (ROA) | 1.3787% | 1,224 |
| Pretax return on assets | 1.7080% | 1,053 |
| Return on Equity (ROE) | 13.6100% | 1,577 |
| Retained earnings to average equity (ytd only) | 6.5668% | 2,035 |
| Net charge-offs to loans | -0.0147% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.4877% | 3,346 |
| Assets per employee ($millions) | 7.1341% | 1,985 |
| Cash dividends to net income (ytd only)* | 51.7476% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 2,522 |
| Loan loss allowance to noncurrent loans | 28,063.6364% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 3,823 |
| Noncurrent loans to loans | 0.0041% | 3,762 |
| Net loans and leases to total assets | 62.7500% | 2,601 |
| Net loans and leases to deposits | 81.0341% | 2,029 |
| Net loans and leases to core deposits | 93.1188% | 1,834 |
| Total domestic deposits to total assets | 77.4300% | 3,795 |
| Equity capital to assets | 10.2130% | 1,889 |
| Core capital (leverage) ratio | 10.1403% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $798,933,600 | 1,187 |
| Average earning assets | $720,616,200 | 1,203 |
| Average equity | $80,937,600 | 1,118 |
| Average total loans | $483,455,000 | 1,267 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9766% | 1,879 |
| Cost of funding earning assets | 1.1853% | 2,474 |
| Net interest margin | 3.7913% | 1,618 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 2.5128% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3911% | 1,344 |
| Return on assets (ROA) | 1.3742% | 1,356 |
| Pretax return on assets | 1.6811% | 1,200 |
| Return on Equity (ROE) | 13.5900% | 1,771 |
| Retained earnings to average equity (ytd only) | 6.5663% | 2,441 |
| Net charge-offs to loans | -0.0201% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.6514% | 3,127 |
| Assets per employee ($millions) | 6.9007% | 2,035 |
| Cash dividends to net income (ytd only)* | 51.6987% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 2,584 |
| Loan loss allowance to noncurrent loans | 18,941.9355% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,837 |
| Noncurrent loans to loans | 0.0061% | 3,764 |
| Net loans and leases to total assets | 62.1000% | 2,648 |
| Net loans and leases to deposits | 79.6715% | 2,076 |
| Net loans and leases to core deposits | 87.5482% | 2,086 |
| Total domestic deposits to total assets | 77.9400% | 3,824 |
| Equity capital to assets | 9.7965% | 1,939 |
| Core capital (leverage) ratio | 10.2736% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $788,210,500 | 1,197 |
| Average earning assets | $711,690,250 | 1,210 |
| Average equity | $79,678,000 | 1,130 |
| Average total loans | $470,722,750 | 1,292 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7959% | 2,001 |
| Cost of funding earning assets | 0.9760% | 2,685 |
| Net interest margin | 3.8198% | 1,584 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.5223% | 2,144 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4044% | 1,317 |
| Return on assets (ROA) | 1.3788% | 1,360 |
| Pretax return on assets | 1.6802% | 1,257 |
| Return on Equity (ROE) | 13.5000% | 1,793 |
| Retained earnings to average equity (ytd only) | 6.4853% | 2,453 |
| Net charge-offs to loans | -0.0301% | 4,242 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.6042% | 3,117 |
| Assets per employee ($millions) | 6.4559% | 2,325 |
| Cash dividends to net income (ytd only)* | 51.9481% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,231 |
| Loan loss allowance to noncurrent loans | 1,731.8584% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 3,338 |
| Noncurrent loans to loans | 0.0716% | 3,189 |
| Net loans and leases to total assets | 60.3900% | 2,737 |
| Net loans and leases to deposits | 69.9309% | 2,792 |
| Net loans and leases to core deposits | 76.2071% | 2,746 |
| Total domestic deposits to total assets | 86.3500% | 2,131 |
| Equity capital to assets | 10.3813% | 1,643 |
| Core capital (leverage) ratio | 10.4097% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $781,820,333 | 1,196 |
| Average earning assets | $706,523,333 | 1,218 |
| Average equity | $79,872,333 | 1,119 |
| Average total loans | $458,548,667 | 1,306 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 2,103 |
| Cost of funding earning assets | 0.8182% | 2,666 |
| Net interest margin | 3.7748% | 1,735 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.4961% | 2,256 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4169% | 1,361 |
| Return on assets (ROA) | 1.4169% | 1,331 |
| Pretax return on assets | 1.7149% | 1,245 |
| Return on Equity (ROE) | 13.9800% | 1,778 |
| Retained earnings to average equity (ytd only) | 6.9451% | 2,508 |
| Net charge-offs to loans | -0.0621% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.2970% | 3,165 |
| Assets per employee ($millions) | 6.3399% | 2,463 |
| Cash dividends to net income (ytd only)* | 50.3235% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 1,840 |
| Loan loss allowance to noncurrent loans | 5,700.0000% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 3,722 |
| Noncurrent loans to loans | 0.0236% | 3,599 |
| Net loans and leases to total assets | 56.1700% | 3,028 |
| Net loans and leases to deposits | 64.0146% | 3,084 |
| Net loans and leases to core deposits | 69.2210% | 3,006 |
| Total domestic deposits to total assets | 87.7500% | 2,006 |
| Equity capital to assets | 10.4987% | 1,560 |
| Core capital (leverage) ratio | 10.1333% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $785,374,500 | 1,211 |
| Average earning assets | $709,328,500 | 1,227 |
| Average equity | $79,596,000 | 1,135 |
| Average total loans | $450,969,000 | 1,336 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 1,731 |
| Cost of funding earning assets | 0.4599% | 1,650 |
| Net interest margin | 3.5349% | 1,823 |
| Noninterest income to average assets | 0.8100% | 982 |
| Noninterest expense to average assets | 2.3237% | 2,662 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3394% | 1,314 |
| Return on assets (ROA) | 1.3420% | 1,261 |
| Pretax return on assets | 1.6441% | 1,048 |
| Return on Equity (ROE) | 13.2600% | 1,720 |
| Retained earnings to average equity (ytd only) | 7.9936% | 1,831 |
| Net charge-offs to loans | -0.0095% | 3,815 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.6742% | 3,507 |
| Assets per employee ($millions) | 7.0493% | 1,937 |
| Cash dividends to net income (ytd only)* | 39.7088% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 1,965 |
| Loan loss allowance to noncurrent loans | 6,108.1633% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 3,762 |
| Noncurrent loans to loans | 0.0211% | 3,657 |
| Net loans and leases to total assets | 57.1400% | 2,903 |
| Net loans and leases to deposits | 74.0955% | 2,253 |
| Net loans and leases to core deposits | 79.1104% | 2,190 |
| Total domestic deposits to total assets | 77.1100% | 4,160 |
| Equity capital to assets | 9.7874% | 1,831 |
| Core capital (leverage) ratio | 9.6425% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $788,133,000 | 1,197 |
| Average earning assets | $712,074,000 | 1,217 |
| Average equity | $79,776,200 | 1,131 |
| Average total loans | $450,798,800 | 1,270 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 1,810 |
| Cost of funding earning assets | 0.3271% | 1,888 |
| Net interest margin | 3.4549% | 1,793 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.2434% | 2,809 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2807% | 1,425 |
| Return on assets (ROA) | 1.2842% | 1,380 |
| Pretax return on assets | 1.5702% | 1,204 |
| Return on Equity (ROE) | 12.5800% | 1,841 |
| Retained earnings to average equity (ytd only) | 6.7517% | 2,462 |
| Net charge-offs to loans | -0.0018% | 3,245 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.0485% | 3,511 |
| Assets per employee ($millions) | 6.9823% | 1,952 |
| Cash dividends to net income (ytd only)* | 46.3331% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 2,290 |
| Loan loss allowance to noncurrent loans | 6,132.9897% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 3,855 |
| Noncurrent loans to loans | 0.0203% | 3,768 |
| Net loans and leases to total assets | 57.7800% | 2,722 |
| Net loans and leases to deposits | 71.5894% | 2,239 |
| Net loans and leases to core deposits | 76.9611% | 2,114 |
| Total domestic deposits to total assets | 80.7200% | 4,025 |
| Equity capital to assets | 8.9710% | 2,234 |
| Core capital (leverage) ratio | 9.3134% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $784,260,750 | 1,210 |
| Average earning assets | $709,727,750 | 1,228 |
| Average equity | $80,056,750 | 1,141 |
| Average total loans | $447,207,500 | 1,271 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5287% | 2,045 |
| Cost of funding earning assets | 0.2818% | 1,879 |
| Net interest margin | 3.2469% | 2,063 |
| Noninterest income to average assets | 0.7590% | 1,152 |
| Noninterest expense to average assets | 2.2403% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1970% | 1,439 |
| Return on assets (ROA) | 1.2023% | 1,405 |
| Pretax return on assets | 1.4686% | 1,254 |
| Return on Equity (ROE) | 11.2959% | 1,890 |
| Retained earnings to average equity (ytd only) | 5.7075% | 2,431 |
| Net charge-offs to loans | -0.0018% | 3,117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5085% | 3,234 |
| Assets per employee ($millions) | 6.5052% | 2,313 |
| Cash dividends to net income (ytd only)* | 49.4730% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,279 |
| Loan loss allowance to noncurrent loans | 660.4678% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 2,949 |
| Noncurrent loans to loans | 0.1938% | 2,737 |
| Net loans and leases to total assets | 55.3272% | 2,821 |
| Net loans and leases to deposits | 62.3080% | 2,866 |
| Net loans and leases to core deposits | 66.7414% | 2,758 |
| Total domestic deposits to total assets | 88.7964% | 2,260 |
| Equity capital to assets | 9.4765% | 2,034 |
| Core capital (leverage) ratio | 9.0899% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $773,371,000 | 1,219 |
| Average earning assets | $701,110,000 | 1,246 |
| Average equity | $82,313,333 | 1,131 |
| Average total loans | $436,942,333 | 1,284 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3425% | 2,263 |
| Cost of funding earning assets | 0.2782% | 1,841 |
| Net interest margin | 3.0644% | 2,284 |
| Noninterest income to average assets | 0.7322% | 1,216 |
| Noninterest expense to average assets | 2.2915% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0080% | 1,848 |
| Return on assets (ROA) | 1.0187% | 1,787 |
| Pretax return on assets | 1.2363% | 1,689 |
| Return on Equity (ROE) | 9.0607% | 2,300 |
| Retained earnings to average equity (ytd only) | 3.9548% | 2,945 |
| Net charge-offs to loans | -0.0028% | 3,165 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1967% | 2,879 |
| Assets per employee ($millions) | 6.6642% | 2,251 |
| Cash dividends to net income (ytd only)* | 56.3525% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,269 |
| Loan loss allowance to noncurrent loans | 643.7856% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 3,035 |
| Noncurrent loans to loans | 0.2047% | 2,796 |
| Net loans and leases to total assets | 53.3243% | 2,841 |
| Net loans and leases to deposits | 61.1448% | 2,794 |
| Net loans and leases to core deposits | 65.3542% | 2,686 |
| Total domestic deposits to total assets | 87.2099% | 2,850 |
| Equity capital to assets | 10.4180% | 1,625 |
| Core capital (leverage) ratio | 9.0544% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $766,492,500 | 1,234 |
| Average earning assets | $695,999,500 | 1,263 |
| Average equity | $86,174,000 | 1,132 |
| Average total loans | $434,842,000 | 1,283 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 1,363 |
| Cost of funding earning assets | 0.3085% | 2,313 |
| Net interest margin | 3.6885% | 1,242 |
| Noninterest income to average assets | 0.8670% | 1,288 |
| Noninterest expense to average assets | 2.3902% | 2,519 |
| Loan and lease loss provision to assets | 0.0685% | 1,702 |
| Net operating income to assets | 1.4053% | 1,263 |
| Return on assets (ROA) | 1.4114% | 1,304 |
| Pretax return on assets | 1.7423% | 1,039 |
| Return on Equity (ROE) | 11.4632% | 1,996 |
| Retained earnings to average equity (ytd only) | 4.7882% | 2,872 |
| Net charge-offs to loans | 0.0079% | 2,283 |
| Credit loss provision to net charge-offs | 1,515.1515% | 378 |
| Earnings coverage of net charge-offs (x) | 398.9394% | 329 |
| Efficiency ratio | 56.9982% | 3,581 |
| Assets per employee ($millions) | 6.5482% | 2,293 |
| Cash dividends to net income (ytd only)* | 58.2298% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,455 |
| Loan loss allowance to noncurrent loans | 600.3191% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 3,046 |
| Noncurrent loans to loans | 0.2131% | 2,892 |
| Net loans and leases to total assets | 58.8573% | 2,285 |
| Net loans and leases to deposits | 69.5777% | 2,170 |
| Net loans and leases to core deposits | 74.8990% | 2,005 |
| Total domestic deposits to total assets | 84.5923% | 3,394 |
| Equity capital to assets | 12.1264% | 1,202 |
| Core capital (leverage) ratio | 9.3911% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $730,077,800 | 1,247 |
| Average earning assets | $658,398,400 | 1,280 |
| Average equity | $89,888,000 | 1,103 |
| Average total loans | $420,152,400 | 1,326 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 1,174 |
| Cost of funding earning assets | 0.3167% | 2,440 |
| Net interest margin | 3.8406% | 1,042 |
| Noninterest income to average assets | 0.7918% | 1,548 |
| Noninterest expense to average assets | 2.3069% | 2,731 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5736% | 1,089 |
| Return on assets (ROA) | 1.5794% | 1,129 |
| Pretax return on assets | 1.9545% | 855 |
| Return on Equity (ROE) | 12.7788% | 1,770 |
| Retained earnings to average equity (ytd only) | 7.7379% | 2,137 |
| Net charge-offs to loans | 0.0096% | 1,958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 354.2333% | 391 |
| Efficiency ratio | 54.2255% | 3,778 |
| Assets per employee ($millions) | 6.7850% | 2,026 |
| Cash dividends to net income (ytd only)* | 39.4477% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,894 |
| Loan loss allowance to noncurrent loans | 391.6286% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 2,942 |
| Noncurrent loans to loans | 0.3115% | 2,673 |
| Net loans and leases to total assets | 55.8253% | 2,747 |
| Net loans and leases to deposits | 69.1983% | 2,313 |
| Net loans and leases to core deposits | 73.3586% | 2,290 |
| Total domestic deposits to total assets | 80.6744% | 4,135 |
| Equity capital to assets | 12.3182% | 1,251 |
| Core capital (leverage) ratio | 9.6132% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $727,610,500 | 1,265 |
| Average earning assets | $655,951,250 | 1,296 |
| Average equity | $89,927,750 | 1,114 |
| Average total loans | $414,901,500 | 1,362 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 707 |
| Cost of funding earning assets | 0.3332% | 2,464 |
| Net interest margin | 4.1818% | 602 |
| Noninterest income to average assets | 0.8054% | 1,521 |
| Noninterest expense to average assets | 2.3167% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8189% | 684 |
| Return on assets (ROA) | 1.8218% | 713 |
| Pretax return on assets | 2.2613% | 512 |
| Return on Equity (ROE) | 14.7236% | 1,226 |
| Retained earnings to average equity (ytd only) | 9.7941% | 1,465 |
| Net charge-offs to loans | 0.0131% | 1,688 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 301.5926% | 372 |
| Efficiency ratio | 50.6455% | 4,176 |
| Assets per employee ($millions) | 6.8345% | 1,921 |
| Cash dividends to net income (ytd only)* | 33.4804% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,800 |
| Loan loss allowance to noncurrent loans | 375.2915% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 3,038 |
| Noncurrent loans to loans | 0.3262% | 2,747 |
| Net loans and leases to total assets | 55.7762% | 2,926 |
| Net loans and leases to deposits | 66.0482% | 2,821 |
| Net loans and leases to core deposits | 69.9607% | 2,787 |
| Total domestic deposits to total assets | 84.4477% | 3,295 |
| Equity capital to assets | 12.2179% | 1,264 |
| Core capital (leverage) ratio | 9.4617% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $721,363,000 | 1,265 |
| Average earning assets | $650,155,000 | 1,302 |
| Average equity | $89,258,000 | 1,111 |
| Average total loans | $412,602,000 | 1,376 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8654% | 437 |
| Cost of funding earning assets | 0.3647% | 2,406 |
| Net interest margin | 4.5006% | 355 |
| Noninterest income to average assets | 0.8213% | 1,535 |
| Noninterest expense to average assets | 2.4099% | 2,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9660% | 596 |
| Return on assets (ROA) | 1.9719% | 634 |
| Pretax return on assets | 2.4601% | 465 |
| Return on Equity (ROE) | 15.8320% | 1,052 |
| Retained earnings to average equity (ytd only) | 10.8534% | 1,434 |
| Net charge-offs to loans | 0.0274% | 1,219 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 155.3929% | 477 |
| Efficiency ratio | 49.5595% | 4,226 |
| Assets per employee ($millions) | 6.7904% | 1,947 |
| Cash dividends to net income (ytd only)* | 31.4465% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 2,707 |
| Loan loss allowance to noncurrent loans | 565.0933% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 3,556 |
| Noncurrent loans to loans | 0.2198% | 3,317 |
| Net loans and leases to total assets | 55.8063% | 3,065 |
| Net loans and leases to deposits | 65.8387% | 2,936 |
| Net loans and leases to core deposits | 69.7297% | 2,890 |
| Total domestic deposits to total assets | 84.7621% | 3,201 |
| Equity capital to assets | 12.0854% | 1,249 |
| Core capital (leverage) ratio | 9.5181% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $709,565,500 | 1,273 |
| Average earning assets | $637,157,500 | 1,312 |
| Average equity | $88,378,000 | 1,111 |
| Average total loans | $408,574,000 | 1,388 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 1,631 |
| Cost of funding earning assets | 0.5199% | 2,815 |
| Net interest margin | 3.8647% | 1,320 |
| Noninterest income to average assets | 0.9100% | 1,238 |
| Noninterest expense to average assets | 2.4436% | 3,014 |
| Loan and lease loss provision to assets | 0.1040% | 3,036 |
| Net operating income to assets | 1.4700% | 877 |
| Return on assets (ROA) | 1.4757% | 938 |
| Pretax return on assets | 1.8033% | 683 |
| Return on Equity (ROE) | 11.4172% | 1,489 |
| Retained earnings to average equity (ytd only) | 4.9059% | 2,311 |
| Net charge-offs to loans | 0.0039% | 3,225 |
| Credit loss provision to net charge-offs | 4,250.0000% | 248 |
| Earnings coverage of net charge-offs (x) | 776.2500% | 152 |
| Efficiency ratio | 56.2522% | 3,956 |
| Assets per employee ($millions) | 6.4091% | 1,989 |
| Cash dividends to net income (ytd only)* | 57.0303% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 2,488 |
| Loan loss allowance to noncurrent loans | 531.4168% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 3,581 |
| Noncurrent loans to loans | 0.2418% | 3,327 |
| Net loans and leases to total assets | 57.9732% | 3,088 |
| Net loans and leases to deposits | 69.8877% | 2,889 |
| Net loans and leases to core deposits | 74.1007% | 2,906 |
| Total domestic deposits to total assets | 82.9518% | 3,425 |
| Equity capital to assets | 12.8507% | 1,156 |
| Core capital (leverage) ratio | 9.6116% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $653,536,200 | 1,250 |
| Average earning assets | $580,723,600 | 1,294 |
| Average equity | $84,469,400 | 1,105 |
| Average total loans | $415,497,800 | 1,310 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 1,482 |
| Cost of funding earning assets | 0.5564% | 2,890 |
| Net interest margin | 3.9848% | 1,145 |
| Noninterest income to average assets | 0.8060% | 1,476 |
| Noninterest expense to average assets | 2.3854% | 3,181 |
| Loan and lease loss provision to assets | 0.0744% | 3,388 |
| Net operating income to assets | 1.5334% | 842 |
| Return on assets (ROA) | 1.5409% | 908 |
| Pretax return on assets | 1.8939% | 642 |
| Return on Equity (ROE) | 11.9040% | 1,399 |
| Retained earnings to average equity (ytd only) | 6.9573% | 1,711 |
| Net charge-offs to loans | 0.0041% | 3,012 |
| Credit loss provision to net charge-offs | 2,769.2308% | 366 |
| Earnings coverage of net charge-offs (x) | 729.5385% | 165 |
| Efficiency ratio | 54.9068% | 4,050 |
| Assets per employee ($millions) | 6.0817% | 2,195 |
| Cash dividends to net income (ytd only)* | 41.5550% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 2,982 |
| Loan loss allowance to noncurrent loans | 482.0437% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 3,668 |
| Noncurrent loans to loans | 0.2363% | 3,459 |
| Net loans and leases to total assets | 62.4636% | 2,951 |
| Net loans and leases to deposits | 76.9234% | 2,663 |
| Net loans and leases to core deposits | 81.4122% | 2,708 |
| Total domestic deposits to total assets | 81.2023% | 3,609 |
| Equity capital to assets | 13.0411% | 1,166 |
| Core capital (leverage) ratio | 9.8646% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $645,478,000 | 1,246 |
| Average earning assets | $573,165,750 | 1,290 |
| Average equity | $83,555,250 | 1,107 |
| Average total loans | $418,687,750 | 1,297 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7675% | 1,246 |
| Cost of funding earning assets | 0.5969% | 2,984 |
| Net interest margin | 4.1706% | 979 |
| Noninterest income to average assets | 0.8112% | 1,403 |
| Noninterest expense to average assets | 2.4213% | 3,196 |
| Loan and lease loss provision to assets | 0.0755% | 3,349 |
| Net operating income to assets | 1.5681% | 811 |
| Return on assets (ROA) | 1.5689% | 881 |
| Pretax return on assets | 2.0069% | 536 |
| Return on Equity (ROE) | 12.1518% | 1,297 |
| Retained earnings to average equity (ytd only) | 7.0337% | 1,650 |
| Net charge-offs to loans | 0.0053% | 2,773 |
| Credit loss provision to net charge-offs | 2,181.8182% | 449 |
| Earnings coverage of net charge-offs (x) | 601.3636% | 170 |
| Efficiency ratio | 53.7736% | 4,203 |
| Assets per employee ($millions) | 6.3030% | 1,941 |
| Cash dividends to net income (ytd only)* | 42.1179% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 2,945 |
| Loan loss allowance to noncurrent loans | 390.8491% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 3,633 |
| Noncurrent loans to loans | 0.2861% | 3,354 |
| Net loans and leases to total assets | 62.1679% | 3,110 |
| Net loans and leases to deposits | 76.7108% | 2,784 |
| Net loans and leases to core deposits | 80.5300% | 2,906 |
| Total domestic deposits to total assets | 81.0419% | 3,594 |
| Equity capital to assets | 12.7572% | 1,254 |
| Core capital (leverage) ratio | 9.8603% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $635,614,667 | 1,241 |
| Average earning assets | $562,603,000 | 1,290 |
| Average equity | $82,061,667 | 1,114 |
| Average total loans | $416,073,333 | 1,286 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7775% | 1,479 |
| Cost of funding earning assets | 0.7517% | 2,658 |
| Net interest margin | 4.0257% | 1,319 |
| Noninterest income to average assets | 0.7549% | 1,452 |
| Noninterest expense to average assets | 2.5128% | 3,237 |
| Loan and lease loss provision to assets | 0.0779% | 2,744 |
| Net operating income to assets | 1.3314% | 1,153 |
| Return on assets (ROA) | 1.3314% | 1,246 |
| Pretax return on assets | 1.7169% | 834 |
| Return on Equity (ROE) | 10.2455% | 1,661 |
| Retained earnings to average equity (ytd only) | 4.7506% | 2,390 |
| Net charge-offs to loans | 0.0107% | 2,197 |
| Credit loss provision to net charge-offs | 1,090.9091% | 537 |
| Earnings coverage of net charge-offs (x) | 251.3636% | 274 |
| Efficiency ratio | 58.3333% | 3,958 |
| Assets per employee ($millions) | 5.7249% | 1,908 |
| Cash dividends to net income (ytd only)* | 53.6324% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 2,962 |
| Loan loss allowance to noncurrent loans | 118.8835% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.6345% | 2,099 |
| Noncurrent loans to loans | 0.9632% | 1,705 |
| Net loans and leases to total assets | 65.1224% | 2,926 |
| Net loans and leases to deposits | 79.5162% | 2,728 |
| Net loans and leases to core deposits | 84.6196% | 2,793 |
| Total domestic deposits to total assets | 81.8982% | 3,448 |
| Equity capital to assets | 12.9823% | 1,438 |
| Core capital (leverage) ratio | 10.3664% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $616,212,500 | 1,237 |
| Average earning assets | $543,800,500 | 1,277 |
| Average equity | $80,074,000 | 1,137 |
| Average total loans | $412,103,500 | 1,266 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3488% | 750 |
| Cost of funding earning assets | 1.0960% | 1,340 |
| Net interest margin | 4.2528% | 1,197 |
| Noninterest income to average assets | 0.8189% | 1,390 |
| Noninterest expense to average assets | 2.5858% | 3,216 |
| Loan and lease loss provision to assets | 0.0938% | 2,161 |
| Net operating income to assets | 1.5372% | 971 |
| Return on assets (ROA) | 1.5560% | 987 |
| Pretax return on assets | 1.9436% | 672 |
| Return on Equity (ROE) | 12.4234% | 1,353 |
| Retained earnings to average equity (ytd only) | 5.7582% | 1,998 |
| Net charge-offs to loans | 0.0106% | 3,312 |
| Credit loss provision to net charge-offs | 1,297.6190% | 267 |
| Earnings coverage of net charge-offs (x) | 278.5952% | 300 |
| Efficiency ratio | 56.2154% | 4,177 |
| Assets per employee ($millions) | 5.4855% | 2,073 |
| Cash dividends to net income (ytd only)* | 53.6504% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,092 |
| Loan loss allowance to noncurrent loans | 135.5362% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 2,274 |
| Noncurrent loans to loans | 0.7914% | 1,925 |
| Net loans and leases to total assets | 67.1373% | 2,808 |
| Net loans and leases to deposits | 86.6375% | 2,016 |
| Net loans and leases to core deposits | 91.1398% | 2,308 |
| Total domestic deposits to total assets | 77.4922% | 4,433 |
| Equity capital to assets | 13.0066% | 1,518 |
| Core capital (leverage) ratio | 9.9490% | 3,569 |
| Tier 1 risk-based capital ratio | 12.1000% | 4,305 |
| Total risk-based capital ratio | 13.0154% | 4,365 |
| Memoranda: | ||
| Average total assets | $580,988,600 | 1,253 |
| Average earning assets | $516,509,200 | 1,296 |
| Average equity | $72,766,200 | 1,187 |
| Average total loans | $396,312,200 | 1,274 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4190% | 675 |
| Cost of funding earning assets | 1.1501% | 1,174 |
| Net interest margin | 4.2689% | 1,226 |
| Noninterest income to average assets | 0.7329% | 1,653 |
| Noninterest expense to average assets | 2.5379% | 3,329 |
| Loan and lease loss provision to assets | 0.0840% | 2,226 |
| Net operating income to assets | 1.5375% | 1,096 |
| Return on assets (ROA) | 1.5626% | 1,074 |
| Pretax return on assets | 1.9470% | 776 |
| Return on Equity (ROE) | 12.6076% | 1,408 |
| Retained earnings to average equity (ytd only) | 6.7699% | 1,969 |
| Net charge-offs to loans | 0.0038% | 3,273 |
| Credit loss provision to net charge-offs | 3,272.7273% | 126 |
| Earnings coverage of net charge-offs (x) | 778.7123% | 120 |
| Efficiency ratio | 55.9305% | 4,171 |
| Assets per employee ($millions) | 5.5521% | 1,982 |
| Cash dividends to net income (ytd only)* | 46.3032% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,250 |
| Loan loss allowance to noncurrent loans | 121.7318% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 2,253 |
| Noncurrent loans to loans | 0.8671% | 1,845 |
| Net loans and leases to total assets | 66.2830% | 3,018 |
| Net loans and leases to deposits | 85.9248% | 2,198 |
| Net loans and leases to core deposits | 90.9518% | 2,469 |
| Total domestic deposits to total assets | 77.1407% | 4,498 |
| Equity capital to assets | 12.9840% | 1,639 |
| Core capital (leverage) ratio | 9.8893% | 3,745 |
| Tier 1 risk-based capital ratio | 12.1970% | 4,314 |
| Total risk-based capital ratio | 13.0995% | 4,375 |
| Memoranda: | ||
| Average total assets | $571,270,750 | 1,275 |
| Average earning assets | $509,157,250 | 1,317 |
| Average equity | $70,802,000 | 1,208 |
| Average total loans | $390,223,000 | 1,304 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5035% | 564 |
| Cost of funding earning assets | 1.1670% | 1,087 |
| Net interest margin | 4.3365% | 1,073 |
| Noninterest income to average assets | 0.6727% | 1,819 |
| Noninterest expense to average assets | 2.5901% | 3,211 |
| Loan and lease loss provision to assets | 0.0863% | 2,118 |
| Net operating income to assets | 1.4516% | 1,291 |
| Return on assets (ROA) | 1.4885% | 1,224 |
| Pretax return on assets | 1.9163% | 804 |
| Return on Equity (ROE) | 12.2250% | 1,498 |
| Retained earnings to average equity (ytd only) | 6.7621% | 1,922 |
| Net charge-offs to loans | 0.0010% | 3,147 |
| Credit loss provision to net charge-offs | 12,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 2,720.0000% | 18 |
| Efficiency ratio | 56.9756% | 4,134 |
| Assets per employee ($millions) | 5.6284% | 1,842 |
| Cash dividends to net income (ytd only)* | 44.6860% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 3,381 |
| Loan loss allowance to noncurrent loans | 133.6375% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5228% | 2,467 |
| Noncurrent loans to loans | 0.7798% | 2,035 |
| Net loans and leases to total assets | 66.3487% | 3,061 |
| Net loans and leases to deposits | 83.3373% | 2,567 |
| Net loans and leases to core deposits | 89.2418% | 2,665 |
| Total domestic deposits to total assets | 79.6146% | 4,115 |
| Equity capital to assets | 12.8953% | 1,639 |
| Core capital (leverage) ratio | 9.9126% | 3,686 |
| Tier 1 risk-based capital ratio | 12.2499% | 4,266 |
| Total risk-based capital ratio | 13.1407% | 4,358 |
| Memoranda: | ||
| Average total assets | $556,266,670 | 1,301 |
| Average earning assets | $496,850,330 | 1,342 |
| Average equity | $67,730,000 | 1,241 |
| Average total loans | $382,681,000 | 1,326 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7524% | 336 |
| Cost of funding earning assets | 1.1909% | 927 |
| Net interest margin | 4.5615% | 661 |
| Noninterest income to average assets | 0.6628% | 1,765 |
| Noninterest expense to average assets | 2.6958% | 2,918 |
| Loan and lease loss provision to assets | 0.0905% | 1,902 |
| Net operating income to assets | 1.5413% | 1,026 |
| Return on assets (ROA) | 1.5413% | 1,055 |
| Pretax return on assets | 1.9605% | 686 |
| Return on Equity (ROE) | 13.1022% | 1,177 |
| Retained earnings to average equity (ytd only) | 8.6152% | 1,444 |
| Net charge-offs to loans | 0.0022% | 2,681 |
| Credit loss provision to net charge-offs | 6,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 1,360.0000% | 35 |
| Efficiency ratio | 56.7911% | 4,243 |
| Assets per employee ($millions) | 5.7289% | 1,767 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 3,621 |
| Loan loss allowance to noncurrent loans | 520.4288% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 4,153 |
| Noncurrent loans to loans | 0.1943% | 3,892 |
| Net loans and leases to total assets | 65.2975% | 3,133 |
| Net loans and leases to deposits | 79.4295% | 2,901 |
| Net loans and leases to core deposits | 86.6864% | 2,807 |
| Total domestic deposits to total assets | 82.2082% | 3,673 |
| Equity capital to assets | 12.3296% | 1,829 |
| Core capital (leverage) ratio | 9.6506% | 3,971 |
| Tier 1 risk-based capital ratio | 11.9286% | 4,501 |
| Total risk-based capital ratio | 12.7856% | 4,614 |
| Memoranda: | ||
| Average total assets | $530,464,000 | 1,363 |
| Average earning assets | $474,934,500 | 1,406 |
| Average equity | $62,401,500 | 1,328 |
| Average total loans | $370,240,500 | 1,371 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1625% | 750 |
| Cost of funding earning assets | 0.9325% | 985 |
| Net interest margin | 4.2300% | 1,328 |
| Noninterest income to average assets | 0.6351% | 2,125 |
| Noninterest expense to average assets | 2.3776% | 3,944 |
| Loan and lease loss provision to assets | 0.1098% | 2,004 |
| Net operating income to assets | 1.5551% | 980 |
| Return on assets (ROA) | 1.5551% | 973 |
| Pretax return on assets | 1.9780% | 586 |
| Return on Equity (ROE) | 13.9189% | 1,066 |
| Retained earnings to average equity (ytd only) | 7.6173% | 1,408 |
| Net charge-offs to loans | 0.0026% | 3,646 |
| Credit loss provision to net charge-offs | 5,750.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 1,093.5000% | 99 |
| Efficiency ratio | 53.2443% | 4,693 |
| Assets per employee ($millions) | 5.9758% | 1,534 |
| Cash dividends to net income (ytd only)* | 45.2732% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 2,536 |
| Loan loss allowance to noncurrent loans | 426.9436% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 3,758 |
| Noncurrent loans to loans | 0.2825% | 3,554 |
| Net loans and leases to total assets | 74.2493% | 1,900 |
| Net loans and leases to deposits | 91.1725% | 1,645 |
| Net loans and leases to core deposits | 103.2971% | 1,478 |
| Total domestic deposits to total assets | 81.4383% | 3,802 |
| Equity capital to assets | 10.9716% | 2,718 |
| Core capital (leverage) ratio | 9.6251% | 3,981 |
| Tier 1 risk-based capital ratio | 11.4061% | 4,769 |
| Total risk-based capital ratio | 12.4933% | 4,762 |
| Memoranda: | ||
| Average total assets | $419,002,600 | 1,633 |
| Average earning assets | $379,410,800 | 1,675 |
| Average equity | $46,814,200 | 1,605 |
| Average total loans | $313,063,800 | 1,540 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0524% | 837 |
| Cost of funding earning assets | 0.8443% | 1,138 |
| Net interest margin | 4.2082% | 1,339 |
| Noninterest income to average assets | 0.6557% | 2,045 |
| Noninterest expense to average assets | 2.3252% | 4,037 |
| Loan and lease loss provision to assets | 0.0871% | 2,229 |
| Net operating income to assets | 1.6266% | 904 |
| Return on assets (ROA) | 1.6266% | 909 |
| Pretax return on assets | 2.0567% | 539 |
| Return on Equity (ROE) | 14.4889% | 988 |
| Retained earnings to average equity (ytd only) | 8.4530% | 1,444 |
| Net charge-offs to loans | 0.0022% | 3,411 |
| Credit loss provision to net charge-offs | 5,400.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 1,328.1034% | 58 |
| Efficiency ratio | 52.0289% | 4,809 |
| Assets per employee ($millions) | 6.1451% | 1,389 |
| Cash dividends to net income (ytd only)* | 41.6584% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 2,959 |
| Loan loss allowance to noncurrent loans | 340.5526% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 3,687 |
| Noncurrent loans to loans | 0.3349% | 3,464 |
| Net loans and leases to total assets | 74.8654% | 1,843 |
| Net loans and leases to deposits | 93.5347% | 1,426 |
| Net loans and leases to core deposits | 106.2375% | 1,290 |
| Total domestic deposits to total assets | 80.0402% | 4,113 |
| Equity capital to assets | 10.7120% | 2,926 |
| Core capital (leverage) ratio | 9.7681% | 3,881 |
| Tier 1 risk-based capital ratio | 11.1897% | 4,949 |
| Total risk-based capital ratio | 12.2220% | 4,947 |
| Memoranda: | ||
| Average total assets | $413,201,750 | 1,664 |
| Average earning assets | $374,437,500 | 1,707 |
| Average equity | $46,388,500 | 1,619 |
| Average total loans | $308,243,750 | 1,565 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 861 |
| Cost of funding earning assets | 0.7304% | 1,466 |
| Net interest margin | 4.2488% | 1,165 |
| Noninterest income to average assets | 0.7565% | 1,620 |
| Noninterest expense to average assets | 2.3239% | 4,095 |
| Loan and lease loss provision to assets | 0.0892% | 2,135 |
| Net operating income to assets | 1.7261% | 689 |
| Return on assets (ROA) | 1.7261% | 690 |
| Pretax return on assets | 2.1871% | 397 |
| Return on Equity (ROE) | 15.1217% | 822 |
| Retained earnings to average equity (ytd only) | 9.0418% | 1,202 |
| Net charge-offs to loans | 0.0040% | 3,035 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 765.3333% | 107 |
| Efficiency ratio | 50.5172% | 4,997 |
| Assets per employee ($millions) | 5.9954% | 1,465 |
| Cash dividends to net income (ytd only)* | 40.2068% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 2,624 |
| Loan loss allowance to noncurrent loans | 609.6405% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 3,134 |
| Noncurrent loans to loans | 0.1995% | 4,008 |
| Net loans and leases to total assets | 73.2523% | 2,082 |
| Net loans and leases to deposits | 89.6544% | 1,890 |
| Net loans and leases to core deposits | 97.0805% | 1,955 |
| Total domestic deposits to total assets | 81.7052% | 3,807 |
| Equity capital to assets | 11.3247% | 2,342 |
| Core capital (leverage) ratio | 10.1701% | 3,396 |
| Tier 1 risk-based capital ratio | 11.8561% | 4,582 |
| Total risk-based capital ratio | 12.9470% | 4,566 |
| Memoranda: | ||
| Average total assets | $403,452,670 | 1,711 |
| Average earning assets | $364,997,330 | 1,752 |
| Average equity | $46,053,000 | 1,633 |
| Average total loans | $299,304,330 | 1,606 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8803% | 906 |
| Cost of funding earning assets | 0.6383% | 1,787 |
| Net interest margin | 4.2420% | 1,072 |
| Noninterest income to average assets | 0.9750% | 968 |
| Noninterest expense to average assets | 2.3347% | 4,100 |
| Loan and lease loss provision to assets | 0.0904% | 1,998 |
| Net operating income to assets | 1.8668% | 492 |
| Return on assets (ROA) | 1.8668% | 495 |
| Pretax return on assets | 2.3739% | 281 |
| Return on Equity (ROE) | 16.2872% | 578 |
| Retained earnings to average equity (ytd only) | 10.1543% | 1,116 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6503% | 5,165 |
| Assets per employee ($millions) | 5.4695% | 1,965 |
| Cash dividends to net income (ytd only)* | 37.6547% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 2,516 |
| Loan loss allowance to noncurrent loans | 102.0425% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.9076% | 1,748 |
| Noncurrent loans to loans | 1.2257% | 1,480 |
| Net loans and leases to total assets | 73.1209% | 2,010 |
| Net loans and leases to deposits | 83.1457% | 2,487 |
| Net loans and leases to core deposits | 103.4641% | 1,418 |
| Total domestic deposits to total assets | 87.9431% | 1,650 |
| Equity capital to assets | 11.6881% | 2,001 |
| Core capital (leverage) ratio | 10.2013% | 3,302 |
| Tier 1 risk-based capital ratio | 12.3101% | 4,372 |
| Total risk-based capital ratio | 13.4435% | 4,337 |
| Memoranda: | ||
| Average total assets | $398,339,000 | 1,748 |
| Average earning assets | $359,076,500 | 1,789 |
| Average equity | $45,655,500 | 1,654 |
| Average total loans | $295,576,000 | 1,631 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 931 |
| Cost of funding earning assets | 0.5110% | 2,244 |
| Net interest margin | 4.3150% | 935 |
| Noninterest income to average assets | 0.5485% | 2,727 |
| Noninterest expense to average assets | 2.4087% | 4,053 |
| Loan and lease loss provision to assets | 0.0905% | 2,383 |
| Net operating income to assets | 1.3426% | 1,132 |
| Return on assets (ROA) | 1.3478% | 1,144 |
| Pretax return on assets | 1.9414% | 555 |
| Return on Equity (ROE) | 12.1663% | 1,168 |
| Retained earnings to average equity (ytd only) | 6.3090% | 1,377 |
| Net charge-offs to loans | 0.0847% | 2,247 |
| Credit loss provision to net charge-offs | 140.6250% | 1,883 |
| Earnings coverage of net charge-offs (x) | 31.4414% | 1,503 |
| Efficiency ratio | 54.3345% | 4,928 |
| Assets per employee ($millions) | 5.3010% | 2,147 |
| Cash dividends to net income (ytd only)* | 48.1433% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 2,850 |
| Loan loss allowance to noncurrent loans | 272.9854% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 3,582 |
| Noncurrent loans to loans | 0.4350% | 3,223 |
| Net loans and leases to total assets | 73.4708% | 2,007 |
| Net loans and leases to deposits | 88.7768% | 1,927 |
| Net loans and leases to core deposits | 111.4959% | 923 |
| Total domestic deposits to total assets | 82.7590% | 3,645 |
| Equity capital to assets | 11.2399% | 2,404 |
| Core capital (leverage) ratio | 9.7360% | 3,760 |
| Tier 1 risk-based capital ratio | 11.4562% | 4,879 |
| Total risk-based capital ratio | 12.5149% | 4,878 |
| Memoranda: | ||
| Average total assets | $397,601,400 | 1,711 |
| Average earning assets | $357,940,800 | 1,764 |
| Average equity | $44,048,000 | 1,684 |
| Average total loans | $302,272,400 | 1,558 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 964 |
| Cost of funding earning assets | 0.4791% | 2,438 |
| Net interest margin | 4.3008% | 921 |
| Noninterest income to average assets | 0.5191% | 2,904 |
| Noninterest expense to average assets | 2.3817% | 4,064 |
| Loan and lease loss provision to assets | 0.0908% | 2,255 |
| Net operating income to assets | 1.3424% | 1,216 |
| Return on assets (ROA) | 1.3495% | 1,224 |
| Pretax return on assets | 1.9407% | 621 |
| Return on Equity (ROE) | 12.2267% | 1,266 |
| Retained earnings to average equity (ytd only) | 6.3435% | 2,035 |
| Net charge-offs to loans | 0.0018% | 3,708 |
| Credit loss provision to net charge-offs | 6,750.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 1,502.9024% | 61 |
| Efficiency ratio | 54.0918% | 4,930 |
| Assets per employee ($millions) | 5.3243% | 2,093 |
| Cash dividends to net income (ytd only)* | 48.1177% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,941 |
| Loan loss allowance to noncurrent loans | 84.5996% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.0864% | 1,534 |
| Noncurrent loans to loans | 1.4170% | 1,317 |
| Net loans and leases to total assets | 75.7508% | 1,629 |
| Net loans and leases to deposits | 90.8628% | 1,703 |
| Net loans and leases to core deposits | 113.5073% | 865 |
| Total domestic deposits to total assets | 83.3684% | 3,339 |
| Equity capital to assets | 11.1139% | 2,750 |
| Core capital (leverage) ratio | 9.7282% | 3,901 |
| Tier 1 risk-based capital ratio | 11.0459% | 5,221 |
| Total risk-based capital ratio | 12.1332% | 5,204 |
| Memoranda: | ||
| Average total assets | $396,282,500 | 1,730 |
| Average earning assets | $357,878,500 | 1,778 |
| Average equity | $43,739,250 | 1,716 |
| Average total loans | $302,952,000 | 1,563 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 1,012 |
| Cost of funding earning assets | 0.4644% | 2,458 |
| Net interest margin | 4.2578% | 963 |
| Noninterest income to average assets | 0.5184% | 2,906 |
| Noninterest expense to average assets | 2.3639% | 4,165 |
| Loan and lease loss provision to assets | 0.0915% | 2,158 |
| Net operating income to assets | 1.3210% | 1,247 |
| Return on assets (ROA) | 1.3256% | 1,260 |
| Pretax return on assets | 1.9141% | 627 |
| Return on Equity (ROE) | 12.0383% | 1,288 |
| Retained earnings to average equity (ytd only) | 6.1299% | 2,042 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1822% | 5,003 |
| Assets per employee ($millions) | 5.1217% | 2,247 |
| Cash dividends to net income (ytd only)* | 49.0798% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 2,946 |
| Loan loss allowance to noncurrent loans | 223.5692% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4175% | 3,444 |
| Noncurrent loans to loans | 0.5418% | 3,125 |
| Net loans and leases to total assets | 76.1217% | 1,531 |
| Net loans and leases to deposits | 89.7409% | 1,768 |
| Net loans and leases to core deposits | 111.2892% | 935 |
| Total domestic deposits to total assets | 84.8239% | 2,880 |
| Equity capital to assets | 11.3865% | 2,422 |
| Core capital (leverage) ratio | 9.7109% | 3,885 |
| Tier 1 risk-based capital ratio | 11.1947% | 5,142 |
| Total risk-based capital ratio | 12.2934% | 5,128 |
| Memoranda: | ||
| Average total assets | $393,495,000 | 1,747 |
| Average earning assets | $355,303,670 | 1,785 |
| Average equity | $43,328,330 | 1,724 |
| Average total loans | $300,522,330 | 1,578 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 1,140 |
| Cost of funding earning assets | 0.4589% | 2,442 |
| Net interest margin | 4.1439% | 1,113 |
| Noninterest income to average assets | 0.5237% | 2,808 |
| Noninterest expense to average assets | 2.3710% | 4,199 |
| Loan and lease loss provision to assets | 0.0910% | 2,023 |
| Net operating income to assets | 1.2557% | 1,359 |
| Return on assets (ROA) | 1.2649% | 1,370 |
| Pretax return on assets | 1.8088% | 777 |
| Return on Equity (ROE) | 11.6830% | 1,341 |
| Retained earnings to average equity (ytd only) | 5.7061% | 2,490 |
| Net charge-offs to loans | -0.0013% | 3,977 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6875% | 4,972 |
| Assets per employee ($millions) | 5.5348% | 1,855 |
| Cash dividends to net income (ytd only)* | 51.1591% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 3,135 |
| Loan loss allowance to noncurrent loans | 259.6337% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 3,795 |
| Noncurrent loans to loans | 0.4624% | 3,439 |
| Net loans and leases to total assets | 75.2746% | 1,535 |
| Net loans and leases to deposits | 90.4443% | 1,486 |
| Net loans and leases to core deposits | 107.6622% | 992 |
| Total domestic deposits to total assets | 83.2276% | 3,757 |
| Equity capital to assets | 11.1610% | 2,467 |
| Core capital (leverage) ratio | 9.4776% | 4,138 |
| Tier 1 risk-based capital ratio | 11.1307% | 5,241 |
| Total risk-based capital ratio | 12.2177% | 5,241 |
| Memoranda: | ||
| Average total assets | $395,618,000 | 1,752 |
| Average earning assets | $356,477,500 | 1,794 |
| Average equity | $42,831,500 | 1,746 |
| Average total loans | $300,815,500 | 1,576 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 1,388 |
| Cost of funding earning assets | 0.4332% | 2,678 |
| Net interest margin | 4.1237% | 1,323 |
| Noninterest income to average assets | 0.5186% | 3,109 |
| Noninterest expense to average assets | 2.3396% | 4,459 |
| Loan and lease loss provision to assets | 0.0912% | 2,532 |
| Net operating income to assets | 1.2453% | 1,368 |
| Return on assets (ROA) | 1.2472% | 1,448 |
| Pretax return on assets | 1.8015% | 799 |
| Return on Equity (ROE) | 11.7860% | 1,322 |
| Retained earnings to average equity (ytd only) | 6.1576% | 1,626 |
| Net charge-offs to loans | -0.0114% | 4,967 |
| Credit loss provision to net charge-offs | -1,058.8235% | 5,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3152% | 5,127 |
| Assets per employee ($millions) | 5.6873% | 1,702 |
| Cash dividends to net income (ytd only)* | 47.7545% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 3,558 |
| Loan loss allowance to noncurrent loans | 438.7548% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 4,541 |
| Noncurrent loans to loans | 0.2568% | 4,233 |
| Net loans and leases to total assets | 75.0355% | 1,689 |
| Net loans and leases to deposits | 96.8802% | 917 |
| Net loans and leases to core deposits | 117.3542% | 565 |
| Total domestic deposits to total assets | 77.4518% | 5,055 |
| Equity capital to assets | 10.5055% | 3,148 |
| Core capital (leverage) ratio | 9.1200% | 4,593 |
| Tier 1 risk-based capital ratio | 10.4861% | 5,577 |
| Total risk-based capital ratio | 11.4995% | 5,621 |
| Memoranda: | ||
| Average total assets | $394,560,600 | 1,707 |
| Average earning assets | $355,065,400 | 1,750 |
| Average equity | $41,753,000 | 1,776 |
| Average total loans | $298,570,400 | 1,521 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5284% | 1,453 |
| Cost of funding earning assets | 0.4273% | 2,761 |
| Net interest margin | 4.1012% | 1,385 |
| Noninterest income to average assets | 0.5160% | 3,145 |
| Noninterest expense to average assets | 2.3416% | 4,429 |
| Loan and lease loss provision to assets | 0.0918% | 2,391 |
| Net operating income to assets | 1.2238% | 1,544 |
| Return on assets (ROA) | 1.2264% | 1,632 |
| Pretax return on assets | 1.7828% | 927 |
| Return on Equity (ROE) | 11.5677% | 1,469 |
| Retained earnings to average equity (ytd only) | 5.9570% | 2,209 |
| Net charge-offs to loans | -0.0153% | 4,916 |
| Credit loss provision to net charge-offs | -794.1176% | 5,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5878% | 5,101 |
| Assets per employee ($millions) | 5.6554% | 1,709 |
| Cash dividends to net income (ytd only)* | 48.5034% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,944 |
| Loan loss allowance to noncurrent loans | 427.8626% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 4,664 |
| Noncurrent loans to loans | 0.2525% | 4,362 |
| Net loans and leases to total assets | 75.6285% | 1,589 |
| Net loans and leases to deposits | 99.2085% | 759 |
| Net loans and leases to core deposits | 122.5701% | 440 |
| Total domestic deposits to total assets | 76.2319% | 5,203 |
| Equity capital to assets | 10.4647% | 3,602 |
| Core capital (leverage) ratio | 9.0343% | 4,796 |
| Tier 1 risk-based capital ratio | 10.2027% | 5,735 |
| Total risk-based capital ratio | 11.1828% | 5,772 |
| Memoranda: | ||
| Average total assets | $392,251,500 | 1,718 |
| Average earning assets | $353,549,500 | 1,756 |
| Average equity | $41,586,000 | 1,794 |
| Average total loans | $296,602,000 | 1,532 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5051% | 1,496 |
| Cost of funding earning assets | 0.4205% | 2,833 |
| Net interest margin | 4.0846% | 1,404 |
| Noninterest income to average assets | 0.5102% | 3,122 |
| Noninterest expense to average assets | 2.3699% | 4,427 |
| Loan and lease loss provision to assets | 0.0930% | 2,294 |
| Net operating income to assets | 1.1702% | 1,697 |
| Return on assets (ROA) | 1.1702% | 1,797 |
| Pretax return on assets | 1.7295% | 1,028 |
| Return on Equity (ROE) | 10.9882% | 1,648 |
| Retained earnings to average equity (ytd only) | 5.4117% | 2,477 |
| Net charge-offs to loans | -0.0206% | 4,960 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5287% | 5,080 |
| Assets per employee ($millions) | 5.2686% | 2,015 |
| Cash dividends to net income (ytd only)* | 50.7502% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,947 |
| Loan loss allowance to noncurrent loans | 450.8966% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 4,757 |
| Noncurrent loans to loans | 0.2440% | 4,476 |
| Net loans and leases to total assets | 74.3711% | 1,762 |
| Net loans and leases to deposits | 95.0378% | 1,183 |
| Net loans and leases to core deposits | 113.5683% | 743 |
| Total domestic deposits to total assets | 78.2542% | 4,947 |
| Equity capital to assets | 10.6322% | 3,493 |
| Core capital (leverage) ratio | 9.0766% | 4,741 |
| Tier 1 risk-based capital ratio | 10.4539% | 5,687 |
| Total risk-based capital ratio | 11.4514% | 5,721 |
| Memoranda: | ||
| Average total assets | $387,272,670 | 1,733 |
| Average earning assets | $349,114,670 | 1,779 |
| Average equity | $41,244,330 | 1,802 |
| Average total loans | $291,698,330 | 1,559 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 1,456 |
| Cost of funding earning assets | 0.4207% | 2,855 |
| Net interest margin | 4.0982% | 1,352 |
| Noninterest income to average assets | 0.4737% | 3,321 |
| Noninterest expense to average assets | 2.4177% | 4,316 |
| Loan and lease loss provision to assets | 0.0939% | 2,123 |
| Net operating income to assets | 1.1134% | 1,854 |
| Return on assets (ROA) | 1.1134% | 1,954 |
| Pretax return on assets | 1.6518% | 1,177 |
| Return on Equity (ROE) | 10.4454% | 1,798 |
| Retained earnings to average equity (ytd only) | 4.8164% | 3,055 |
| Net charge-offs to loans | -0.0014% | 4,092 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0702% | 4,988 |
| Assets per employee ($millions) | 4.9875% | 2,355 |
| Cash dividends to net income (ytd only)* | 53.8894% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 4,054 |
| Loan loss allowance to noncurrent loans | 435.6846% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 4,809 |
| Noncurrent loans to loans | 0.2522% | 4,530 |
| Net loans and leases to total assets | 74.7852% | 1,602 |
| Net loans and leases to deposits | 91.4415% | 1,412 |
| Net loans and leases to core deposits | 108.3674% | 953 |
| Total domestic deposits to total assets | 81.7848% | 4,287 |
| Equity capital to assets | 10.8598% | 3,105 |
| Core capital (leverage) ratio | 8.9593% | 4,911 |
| Tier 1 risk-based capital ratio | 10.6236% | 5,697 |
| Total risk-based capital ratio | 11.6188% | 5,723 |
| Memoranda: | ||
| Average total assets | $383,335,500 | 1,747 |
| Average earning assets | $345,129,000 | 1,803 |
| Average equity | $40,860,000 | 1,814 |
| Average total loans | $288,975,500 | 1,566 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3859% | 1,950 |
| Cost of funding earning assets | 0.4027% | 3,124 |
| Net interest margin | 3.9832% | 1,771 |
| Noninterest income to average assets | 0.5453% | 3,040 |
| Noninterest expense to average assets | 2.4028% | 4,506 |
| Loan and lease loss provision to assets | 0.0931% | 2,450 |
| Net operating income to assets | 1.1538% | 1,713 |
| Return on assets (ROA) | 1.1560% | 1,785 |
| Pretax return on assets | 1.6530% | 1,100 |
| Return on Equity (ROE) | 11.3437% | 1,487 |
| Retained earnings to average equity (ytd only) | 4.8739% | 2,513 |
| Net charge-offs to loans | -0.0010% | 4,838 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9581% | 5,149 |
| Assets per employee ($millions) | 5.1683% | 2,160 |
| Cash dividends to net income (ytd only)* | 57.0342% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 4,316 |
| Loan loss allowance to noncurrent loans | 952.9595% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 5,302 |
| Noncurrent loans to loans | 0.1102% | 5,062 |
| Net loans and leases to total assets | 74.3687% | 1,665 |
| Net loans and leases to deposits | 95.4634% | 1,071 |
| Net loans and leases to core deposits | 111.9553% | 777 |
| Total domestic deposits to total assets | 77.9028% | 5,188 |
| Equity capital to assets | 10.4628% | 3,401 |
| Core capital (leverage) ratio | 8.7940% | 5,117 |
| Tier 1 risk-based capital ratio | 10.3164% | 5,855 |
| Total risk-based capital ratio | 11.2669% | 5,893 |
| Memoranda: | ||
| Average total assets | $386,761,800 | 1,699 |
| Average earning assets | $349,596,800 | 1,732 |
| Average equity | $39,413,800 | 1,824 |
| Average total loans | $285,736,000 | 1,530 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3446% | 2,093 |
| Cost of funding earning assets | 0.3951% | 3,272 |
| Net interest margin | 3.9494% | 1,876 |
| Noninterest income to average assets | 0.5402% | 3,101 |
| Noninterest expense to average assets | 2.3569% | 4,634 |
| Loan and lease loss provision to assets | 0.0931% | 2,304 |
| Net operating income to assets | 1.1616% | 1,791 |
| Return on assets (ROA) | 1.1645% | 1,847 |
| Pretax return on assets | 1.6694% | 1,190 |
| Return on Equity (ROE) | 11.5038% | 1,523 |
| Retained earnings to average equity (ytd only) | 5.2851% | 2,732 |
| Net charge-offs to loans | -0.0023% | 4,720 |
| Credit loss provision to net charge-offs | -5,400.0000% | 5,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2710% | 5,200 |
| Assets per employee ($millions) | 5.1795% | 2,089 |
| Cash dividends to net income (ytd only)* | 54.0580% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 4,648 |
| Loan loss allowance to noncurrent loans | 884.2262% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 5,404 |
| Noncurrent loans to loans | 0.1152% | 5,168 |
| Net loans and leases to total assets | 74.3042% | 1,679 |
| Net loans and leases to deposits | 95.8040% | 1,029 |
| Net loans and leases to core deposits | 114.8284% | 639 |
| Total domestic deposits to total assets | 77.5586% | 5,253 |
| Equity capital to assets | 10.2857% | 3,834 |
| Core capital (leverage) ratio | 8.7938% | 5,241 |
| Tier 1 risk-based capital ratio | 10.1917% | 5,981 |
| Total risk-based capital ratio | 11.1140% | 6,042 |
| Memoranda: | ||
| Average total assets | $386,547,250 | 1,713 |
| Average earning assets | $349,914,500 | 1,738 |
| Average equity | $39,128,250 | 1,851 |
| Average total loans | $284,338,250 | 1,541 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 2,143 |
| Cost of funding earning assets | 0.3904% | 3,367 |
| Net interest margin | 3.9186% | 1,915 |
| Noninterest income to average assets | 0.5369% | 3,126 |
| Noninterest expense to average assets | 2.3446% | 4,731 |
| Loan and lease loss provision to assets | 0.0933% | 2,259 |
| Net operating income to assets | 1.1168% | 1,887 |
| Return on assets (ROA) | 1.1210% | 1,962 |
| Pretax return on assets | 1.6481% | 1,196 |
| Return on Equity (ROE) | 11.1345% | 1,637 |
| Retained earnings to average equity (ytd only) | 4.8285% | 2,972 |
| Net charge-offs to loans | -0.0021% | 4,593 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4695% | 5,285 |
| Assets per employee ($millions) | 5.0782% | 2,171 |
| Cash dividends to net income (ytd only)* | 56.6343% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 4,776 |
| Loan loss allowance to noncurrent loans | 1,120.2335% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 5,593 |
| Noncurrent loans to loans | 0.0909% | 5,381 |
| Net loans and leases to total assets | 74.4615% | 1,589 |
| Net loans and leases to deposits | 91.3832% | 1,441 |
| Net loans and leases to core deposits | 107.2926% | 1,009 |
| Total domestic deposits to total assets | 81.4827% | 4,450 |
| Equity capital to assets | 10.3941% | 3,566 |
| Core capital (leverage) ratio | 8.7069% | 5,314 |
| Tier 1 risk-based capital ratio | 10.3135% | 5,990 |
| Total risk-based capital ratio | 11.2354% | 6,049 |
| Memoranda: | ||
| Average total assets | $385,909,330 | 1,728 |
| Average earning assets | $348,896,330 | 1,756 |
| Average equity | $38,852,330 | 1,869 |
| Average total loans | $281,913,000 | 1,548 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2249% | 2,368 |
| Cost of funding earning assets | 0.3822% | 3,504 |
| Net interest margin | 3.8427% | 2,094 |
| Noninterest income to average assets | 0.5525% | 2,937 |
| Noninterest expense to average assets | 2.3235% | 4,815 |
| Loan and lease loss provision to assets | 0.0921% | 2,157 |
| Net operating income to assets | 1.1118% | 1,830 |
| Return on assets (ROA) | 1.1203% | 1,905 |
| Pretax return on assets | 1.6155% | 1,236 |
| Return on Equity (ROE) | 11.3037% | 1,551 |
| Retained earnings to average equity (ytd only) | 4.8518% | 3,144 |
| Net charge-offs to loans | -0.0028% | 4,386 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8157% | 5,357 |
| Assets per employee ($millions) | 5.0616% | 2,277 |
| Cash dividends to net income (ytd only)* | 57.0776% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 4,998 |
| Loan loss allowance to noncurrent loans | 1,002.8777% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 5,647 |
| Noncurrent loans to loans | 0.1000% | 5,398 |
| Net loans and leases to total assets | 72.4678% | 1,738 |
| Net loans and leases to deposits | 90.9374% | 1,301 |
| Net loans and leases to core deposits | 101.0769% | 1,251 |
| Total domestic deposits to total assets | 79.6897% | 5,124 |
| Equity capital to assets | 10.2884% | 3,788 |
| Core capital (leverage) ratio | 8.3305% | 5,693 |
| Tier 1 risk-based capital ratio | 10.2762% | 6,086 |
| Total risk-based capital ratio | 11.1787% | 6,149 |
| Memoranda: | ||
| Average total assets | $390,969,000 | 1,707 |
| Average earning assets | $352,670,500 | 1,745 |
| Average equity | $38,748,500 | 1,883 |
| Average total loans | $281,520,500 | 1,552 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 2,020 |
| Cost of funding earning assets | 0.4339% | 3,345 |
| Net interest margin | 4.0289% | 1,809 |
| Noninterest income to average assets | 0.5760% | 3,018 |
| Noninterest expense to average assets | 2.5428% | 4,414 |
| Loan and lease loss provision to assets | 0.1540% | 1,707 |
| Net operating income to assets | 1.1121% | 1,937 |
| Return on assets (ROA) | 1.1585% | 1,801 |
| Pretax return on assets | 1.5888% | 1,270 |
| Return on Equity (ROE) | 12.1023% | 1,384 |
| Retained earnings to average equity (ytd only) | 7.6698% | 1,132 |
| Net charge-offs to loans | 0.0250% | 4,334 |
| Credit loss provision to net charge-offs | 908.3333% | 299 |
| Earnings coverage of net charge-offs (x) | 99.0667% | 531 |
| Efficiency ratio | 60.0937% | 5,214 |
| Assets per employee ($millions) | 5.4367% | 1,822 |
| Cash dividends to net income (ytd only)* | 36.6252% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 5,305 |
| Loan loss allowance to noncurrent loans | 853.1646% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 5,714 |
| Noncurrent loans to loans | 0.1108% | 5,448 |
| Net loans and leases to total assets | 70.2068% | 2,202 |
| Net loans and leases to deposits | 106.6556% | 333 |
| Net loans and leases to core deposits | 112.1290% | 691 |
| Total domestic deposits to total assets | 65.8257% | 6,327 |
| Equity capital to assets | 9.5547% | 4,650 |
| Core capital (leverage) ratio | 8.1581% | 5,882 |
| Tier 1 risk-based capital ratio | 9.6857% | 6,322 |
| Total risk-based capital ratio | 10.5281% | 6,360 |
| Memoranda: | ||
| Average total assets | $353,984,600 | 1,842 |
| Average earning assets | $320,336,800 | 1,867 |
| Average equity | $33,886,000 | 2,061 |
| Average total loans | $240,251,800 | 1,762 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 1,899 |
| Cost of funding earning assets | 0.4493% | 3,259 |
| Net interest margin | 4.0430% | 1,744 |
| Noninterest income to average assets | 0.5557% | 3,166 |
| Noninterest expense to average assets | 2.5792% | 4,260 |
| Loan and lease loss provision to assets | 0.1384% | 1,803 |
| Net operating income to assets | 1.1383% | 1,907 |
| Return on assets (ROA) | 1.2038% | 1,735 |
| Pretax return on assets | 1.5840% | 1,373 |
| Return on Equity (ROE) | 12.5686% | 1,329 |
| Retained earnings to average equity (ytd only) | 7.6788% | 1,501 |
| Net charge-offs to loans | 0.0041% | 4,563 |
| Credit loss provision to net charge-offs | 5,071.4286% | 76 |
| Earnings coverage of net charge-offs (x) | 599.6281% | 129 |
| Efficiency ratio | 60.9991% | 5,039 |
| Assets per employee ($millions) | 5.2640% | 1,940 |
| Cash dividends to net income (ytd only)* | 38.9050% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 5,436 |
| Loan loss allowance to noncurrent loans | 684.2246% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 5,768 |
| Noncurrent loans to loans | 0.1385% | 5,512 |
| Net loans and leases to total assets | 70.5883% | 2,097 |
| Net loans and leases to deposits | 100.1306% | 607 |
| Net loans and leases to core deposits | 106.1791% | 949 |
| Total domestic deposits to total assets | 70.4962% | 6,262 |
| Equity capital to assets | 9.9160% | 4,277 |
| Core capital (leverage) ratio | 8.3091% | 5,833 |
| Tier 1 risk-based capital ratio | 9.8492% | 6,375 |
| Total risk-based capital ratio | 10.6818% | 6,420 |
| Memoranda: | ||
| Average total assets | $341,901,500 | 1,912 |
| Average earning assets | $309,496,000 | 1,950 |
| Average equity | $32,747,500 | 2,130 |
| Average total loans | $229,027,250 | 1,839 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5630% | 1,636 |
| Cost of funding earning assets | 0.4606% | 3,204 |
| Net interest margin | 4.1024% | 1,505 |
| Noninterest income to average assets | 0.4959% | 3,505 |
| Noninterest expense to average assets | 2.6717% | 3,971 |
| Loan and lease loss provision to assets | 0.1092% | 2,195 |
| Net operating income to assets | 1.1319% | 1,813 |
| Return on assets (ROA) | 1.2411% | 1,533 |
| Pretax return on assets | 1.5598% | 1,364 |
| Return on Equity (ROE) | 13.1359% | 1,138 |
| Retained earnings to average equity (ytd only) | 9.2690% | 893 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2597% | 4,809 |
| Assets per employee ($millions) | 4.8647% | 2,387 |
| Cash dividends to net income (ytd only)* | 29.4377% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 5,567 |
| Loan loss allowance to noncurrent loans | 948.8095% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 5,965 |
| Noncurrent loans to loans | 0.1001% | 5,719 |
| Net loans and leases to total assets | 68.3640% | 2,357 |
| Net loans and leases to deposits | 92.0817% | 1,143 |
| Net loans and leases to core deposits | 97.3857% | 1,485 |
| Total domestic deposits to total assets | 74.2427% | 6,090 |
| Equity capital to assets | 10.1415% | 3,915 |
| Core capital (leverage) ratio | 8.3609% | 5,786 |
| Tier 1 risk-based capital ratio | 10.2132% | 6,333 |
| Total risk-based capital ratio | 11.0366% | 6,429 |
| Memoranda: | ||
| Average total assets | $329,533,670 | 1,980 |
| Average earning assets | $297,875,670 | 2,022 |
| Average equity | $31,136,000 | 2,208 |
| Average total loans | $215,339,000 | 1,938 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 1,296 |
| Cost of funding earning assets | 0.4868% | 3,046 |
| Net interest margin | 4.1979% | 1,229 |
| Noninterest income to average assets | 0.5156% | 3,289 |
| Noninterest expense to average assets | 2.9050% | 3,192 |
| Loan and lease loss provision to assets | 0.1154% | 2,032 |
| Net operating income to assets | 0.9760% | 2,296 |
| Return on assets (ROA) | 0.9760% | 2,361 |
| Pretax return on assets | 1.2890% | 2,133 |
| Return on Equity (ROE) | 10.7932% | 1,760 |
| Retained earnings to average equity (ytd only) | 2.4678% | 4,595 |
| Net charge-offs to loans | -0.0020% | 4,704 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8155% | 4,395 |
| Assets per employee ($millions) | 5.0218% | 2,230 |
| Cash dividends to net income (ytd only)* | 77.1353% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 5,481 |
| Loan loss allowance to noncurrent loans | 593.2990% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 5,928 |
| Noncurrent loans to loans | 0.1700% | 5,576 |
| Net loans and leases to total assets | 63.3506% | 3,005 |
| Net loans and leases to deposits | 79.1832% | 2,407 |
| Net loans and leases to core deposits | 83.9175% | 2,526 |
| Total domestic deposits to total assets | 80.0051% | 5,479 |
| Equity capital to assets | 9.9272% | 3,929 |
| Core capital (leverage) ratio | 9.9629% | 3,617 |
| Tier 1 risk-based capital ratio | 10.3363% | 6,383 |
| Total risk-based capital ratio | 11.1750% | 6,471 |
| Memoranda: | ||
| Average total assets | $311,872,500 | 2,099 |
| Average earning assets | $281,854,000 | 2,131 |
| Average equity | $28,203,000 | 2,389 |
| Average total loans | $197,098,000 | 2,080 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7428% | 4,999 |
| Cost of funding earning assets | 0.4842% | 3,772 |
| Net interest margin | 3.2586% | 4,813 |
| Noninterest income to average assets | 0.4544% | 4,062 |
| Noninterest expense to average assets | 2.2661% | 5,468 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0017% | 2,316 |
| Return on assets (ROA) | 0.9976% | 2,402 |
| Pretax return on assets | 1.1690% | 2,694 |
| Return on Equity (ROE) | 12.9187% | 1,181 |
| Retained earnings to average equity (ytd only) | 9.6262% | 642 |
| Net charge-offs to loans | -0.0435% | 6,301 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8756% | 4,584 |
| Assets per employee ($millions) | 4.8582% | 2,365 |
| Cash dividends to net income (ytd only)* | 25.4858% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 3,969 |
| Loan loss allowance to noncurrent loans | 462.5523% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 5,776 |
| Noncurrent loans to loans | 0.2879% | 5,325 |
| Net loans and leases to total assets | 61.3060% | 3,480 |
| Net loans and leases to deposits | 88.0784% | 1,451 |
| Net loans and leases to core deposits | 95.7550% | 1,472 |
| Total domestic deposits to total assets | 69.6039% | 6,537 |
| Equity capital to assets | 7.8634% | 6,107 |
| Core capital (leverage) ratio | 8.6287% | 5,505 |
| Tier 1 risk-based capital ratio | 10.3746% | 6,409 |
| Total risk-based capital ratio | 11.4550% | 6,415 |
| Memoranda: | ||
| Average total assets | $268,253,200 | 2,363 |
| Average earning assets | $245,777,800 | 2,372 |
| Average equity | $20,714,200 | 3,081 |
| Average total loans | $149,383,400 | 2,567 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6984% | 5,173 |
| Cost of funding earning assets | 0.4956% | 3,808 |
| Net interest margin | 3.2028% | 4,993 |
| Noninterest income to average assets | 0.4648% | 4,039 |
| Noninterest expense to average assets | 2.1610% | 5,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9434% | 2,623 |
| Return on assets (ROA) | 0.9434% | 2,730 |
| Pretax return on assets | 1.2369% | 2,556 |
| Return on Equity (ROE) | 12.2736% | 1,400 |
| Retained earnings to average equity (ytd only) | 10.1160% | 763 |
| Net charge-offs to loans | -0.1083% | 6,513 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5978% | 4,870 |
| Assets per employee ($millions) | 4.6771% | 2,607 |
| Cash dividends to net income (ytd only)* | 17.5789% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 3,620 |
| Loan loss allowance to noncurrent loans | 327.6411% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 5,539 |
| Noncurrent loans to loans | 0.4472% | 5,084 |
| Net loans and leases to total assets | 58.1302% | 3,990 |
| Net loans and leases to deposits | 82.3248% | 2,098 |
| Net loans and leases to core deposits | 89.8105% | 1,989 |
| Total domestic deposits to total assets | 70.6108% | 6,572 |
| Equity capital to assets | 7.9097% | 6,208 |
| Core capital (leverage) ratio | 8.5459% | 5,729 |
| Tier 1 risk-based capital ratio | 10.6942% | 6,394 |
| Total risk-based capital ratio | 11.8581% | 6,391 |
| Memoranda: | ||
| Average total assets | $268,516,750 | 2,379 |
| Average earning assets | $245,902,250 | 2,383 |
| Average equity | $20,640,000 | 3,119 |
| Average total loans | $145,224,250 | 2,646 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5626% | 5,553 |
| Cost of funding earning assets | 0.5017% | 3,879 |
| Net interest margin | 3.0609% | 5,394 |
| Noninterest income to average assets | 0.4462% | 4,191 |
| Noninterest expense to average assets | 2.1447% | 5,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8644% | 2,973 |
| Return on assets (ROA) | 0.8644% | 3,128 |
| Pretax return on assets | 1.1052% | 3,078 |
| Return on Equity (ROE) | 11.3513% | 1,703 |
| Retained earnings to average equity (ytd only) | 11.3513% | 590 |
| Net charge-offs to loans | -0.1660% | 6,616 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9923% | 4,545 |
| Assets per employee ($millions) | 4.8119% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 3,290 |
| Loan loss allowance to noncurrent loans | 1,173.0570% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 6,172 |
| Noncurrent loans to loans | 0.1336% | 5,991 |
| Net loans and leases to total assets | 54.7160% | 4,491 |
| Net loans and leases to deposits | 72.6642% | 3,360 |
| Net loans and leases to core deposits | 79.7230% | 3,058 |
| Total domestic deposits to total assets | 75.2998% | 6,328 |
| Equity capital to assets | 7.7748% | 6,327 |
| Core capital (leverage) ratio | 8.2373% | 5,973 |
| Tier 1 risk-based capital ratio | 11.2124% | 6,238 |
| Total risk-based capital ratio | 12.4563% | 6,211 |
| Memoranda: | ||
| Average total assets | $270,716,000 | 2,366 |
| Average earning assets | $247,964,330 | 2,366 |
| Average equity | $20,614,330 | 3,140 |
| Average total loans | $142,126,330 | 2,684 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4884% | 5,733 |
| Cost of funding earning assets | 0.5026% | 4,059 |
| Net interest margin | 2.9858% | 5,609 |
| Noninterest income to average assets | 0.4258% | 4,279 |
| Noninterest expense to average assets | 2.0800% | 5,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7851% | 3,244 |
| Return on assets (ROA) | 0.7851% | 3,374 |
| Pretax return on assets | 1.0733% | 3,057 |
| Return on Equity (ROE) | 10.4128% | 1,910 |
| Retained earnings to average equity (ytd only) | 10.4128% | 1,006 |
| Net charge-offs to loans | -0.0028% | 5,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9623% | 4,667 |
| Assets per employee ($millions) | 5.2168% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 3,269 |
| Loan loss allowance to noncurrent loans | 1,233.9080% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 6,295 |
| Noncurrent loans to loans | 0.1322% | 6,073 |
| Net loans and leases to total assets | 46.8379% | 5,347 |
| Net loans and leases to deposits | 60.6463% | 4,719 |
| Net loans and leases to core deposits | 66.2447% | 4,501 |
| Total domestic deposits to total assets | 77.2312% | 6,220 |
| Equity capital to assets | 7.5445% | 6,581 |
| Core capital (leverage) ratio | 7.7166% | 6,343 |
| Tier 1 risk-based capital ratio | 11.8227% | 6,016 |
| Total risk-based capital ratio | 13.0732% | 5,995 |
| Memoranda: | ||
| Average total assets | $276,154,000 | 2,335 |
| Average earning assets | $252,263,500 | 2,350 |
| Average equity | $20,820,500 | 3,156 |
| Average total loans | $140,970,500 | 2,712 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2080% | 4,564 |
| Cost of funding earning assets | 0.6402% | 4,003 |
| Net interest margin | 3.5678% | 4,234 |
| Noninterest income to average assets | 0.5009% | 3,890 |
| Noninterest expense to average assets | 2.2055% | 5,913 |
| Loan and lease loss provision to assets | 0.0959% | 4,456 |
| Net operating income to assets | 1.0343% | 2,190 |
| Return on assets (ROA) | 1.0402% | 2,369 |
| Pretax return on assets | 1.4741% | 1,766 |
| Return on Equity (ROE) | 12.7681% | 1,289 |
| Retained earnings to average equity (ytd only) | 4.9033% | 2,761 |
| Net charge-offs to loans | 0.0139% | 5,723 |
| Credit loss provision to net charge-offs | 1,200.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 195.4500% | 217 |
| Efficiency ratio | 58.5472% | 5,758 |
| Assets per employee ($millions) | 5.2041% | 1,980 |
| Cash dividends to net income (ytd only)* | 61.5975% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 4,024 |
| Loan loss allowance to noncurrent loans | 1,613.5338% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 6,382 |
| Noncurrent loans to loans | 0.0885% | 6,267 |
| Net loans and leases to total assets | 53.7115% | 4,658 |
| Net loans and leases to deposits | 67.3846% | 4,067 |
| Net loans and leases to core deposits | 73.6505% | 3,826 |
| Total domestic deposits to total assets | 79.7089% | 5,740 |
| Equity capital to assets | 7.5344% | 6,620 |
| Core capital (leverage) ratio | 7.7776% | 6,356 |
| Tier 1 risk-based capital ratio | 10.4045% | 6,588 |
| Total risk-based capital ratio | 11.5652% | 6,578 |
| Memoranda: | ||
| Average total assets | $250,330,000 | 2,527 |
| Average earning assets | $229,159,200 | 2,521 |
| Average equity | $20,394,600 | 3,151 |
| Average total loans | $144,304,600 | 2,663 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 4,424 |
| Cost of funding earning assets | 0.6811% | 3,931 |
| Net interest margin | 3.6267% | 4,121 |
| Noninterest income to average assets | 0.5192% | 3,805 |
| Noninterest expense to average assets | 2.2473% | 5,825 |
| Loan and lease loss provision to assets | 0.0984% | 4,341 |
| Net operating income to assets | 1.0778% | 2,178 |
| Return on assets (ROA) | 1.0860% | 2,340 |
| Pretax return on assets | 1.5199% | 1,809 |
| Return on Equity (ROE) | 13.0519% | 1,322 |
| Retained earnings to average equity (ytd only) | 7.7838% | 1,712 |
| Net charge-offs to loans | 0.0196% | 5,394 |
| Credit loss provision to net charge-offs | 857.1429% | 327 |
| Earnings coverage of net charge-offs (x) | 139.9964% | 318 |
| Efficiency ratio | 58.3097% | 5,746 |
| Assets per employee ($millions) | 4.6758% | 2,635 |
| Cash dividends to net income (ytd only)* | 40.3624% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 4,219 |
| Loan loss allowance to noncurrent loans | 1,468.3099% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 6,481 |
| Noncurrent loans to loans | 0.0977% | 6,371 |
| Net loans and leases to total assets | 58.8980% | 3,975 |
| Net loans and leases to deposits | 80.8377% | 2,269 |
| Net loans and leases to core deposits | 88.5320% | 2,155 |
| Total domestic deposits to total assets | 72.8596% | 6,686 |
| Equity capital to assets | 8.6679% | 6,129 |
| Core capital (leverage) ratio | 8.4595% | 5,808 |
| Tier 1 risk-based capital ratio | 11.0305% | 6,464 |
| Total risk-based capital ratio | 12.2147% | 6,476 |
| Memoranda: | ||
| Average total assets | $243,958,500 | 2,612 |
| Average earning assets | $224,330,000 | 2,597 |
| Average equity | $20,298,000 | 3,202 |
| Average total loans | $142,808,000 | 2,719 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 4,851 |
| Cost of funding earning assets | 0.7056% | 3,968 |
| Net interest margin | 3.5238% | 4,577 |
| Noninterest income to average assets | 0.5069% | 3,883 |
| Noninterest expense to average assets | 2.2495% | 5,871 |
| Loan and lease loss provision to assets | 0.0983% | 4,308 |
| Net operating income to assets | 1.0049% | 2,446 |
| Return on assets (ROA) | 1.0171% | 2,616 |
| Pretax return on assets | 1.4232% | 2,119 |
| Return on Equity (ROE) | 12.3958% | 1,541 |
| Retained earnings to average equity (ytd only) | 7.0562% | 2,072 |
| Net charge-offs to loans | 0.0380% | 4,842 |
| Credit loss provision to net charge-offs | 444.4444% | 670 |
| Earnings coverage of net charge-offs (x) | 68.0370% | 576 |
| Efficiency ratio | 59.9258% | 5,588 |
| Assets per employee ($millions) | 4.6741% | 2,603 |
| Cash dividends to net income (ytd only)* | 43.0757% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 4,316 |
| Loan loss allowance to noncurrent loans | 673.0000% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 6,389 |
| Noncurrent loans to loans | 0.2132% | 6,157 |
| Net loans and leases to total assets | 55.9751% | 4,472 |
| Net loans and leases to deposits | 73.9949% | 3,293 |
| Net loans and leases to core deposits | 80.8142% | 3,113 |
| Total domestic deposits to total assets | 75.6473% | 6,508 |
| Equity capital to assets | 8.2377% | 6,425 |
| Core capital (leverage) ratio | 8.2177% | 6,027 |
| Tier 1 risk-based capital ratio | 11.0811% | 6,460 |
| Total risk-based capital ratio | 12.2621% | 6,469 |
| Memoranda: | ||
| Average total assets | $244,231,670 | 2,608 |
| Average earning assets | $225,041,000 | 2,584 |
| Average equity | $20,039,000 | 3,216 |
| Average total loans | $141,981,000 | 2,742 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 4,978 |
| Cost of funding earning assets | 0.7390% | 3,954 |
| Net interest margin | 3.4950% | 4,727 |
| Noninterest income to average assets | 0.4470% | 4,313 |
| Noninterest expense to average assets | 2.3276% | 5,701 |
| Loan and lease loss provision to assets | 0.0990% | 4,107 |
| Net operating income to assets | 0.8990% | 2,919 |
| Return on assets (ROA) | 0.8990% | 3,143 |
| Pretax return on assets | 1.2504% | 2,723 |
| Return on Equity (ROE) | 10.9796% | 2,026 |
| Retained earnings to average equity (ytd only) | 5.6006% | 3,202 |
| Net charge-offs to loans | -0.0028% | 5,737 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3019% | 5,050 |
| Assets per employee ($millions) | 4.9381% | 2,332 |
| Cash dividends to net income (ytd only)* | 48.9908% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 4,382 |
| Loan loss allowance to noncurrent loans | 504.3147% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 6,404 |
| Noncurrent loans to loans | 0.2872% | 6,102 |
| Net loans and leases to total assets | 52.6587% | 4,925 |
| Net loans and leases to deposits | 69.3983% | 3,818 |
| Net loans and leases to core deposits | 74.5712% | 3,823 |
| Total domestic deposits to total assets | 75.8790% | 6,557 |
| Equity capital to assets | 7.7685% | 6,649 |
| Core capital (leverage) ratio | 8.3972% | 5,743 |
| Tier 1 risk-based capital ratio | 11.4822% | 6,293 |
| Total risk-based capital ratio | 12.7145% | 6,285 |
| Memoranda: | ||
| Average total assets | $242,484,500 | 2,639 |
| Average earning assets | $224,090,000 | 2,613 |
| Average equity | $19,855,000 | 3,243 |
| Average total loans | $142,629,500 | 2,746 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9364% | 3,175 |
| Cost of funding earning assets | 0.9502% | 3,720 |
| Net interest margin | 3.9863% | 2,955 |
| Noninterest income to average assets | 0.5187% | 3,729 |
| Noninterest expense to average assets | 2.4341% | 5,687 |
| Loan and lease loss provision to assets | 0.3790% | 2,728 |
| Net operating income to assets | 1.0536% | 1,992 |
| Return on assets (ROA) | 1.0533% | 2,132 |
| Pretax return on assets | 1.4143% | 1,736 |
| Return on Equity (ROE) | 12.7866% | 1,208 |
| Retained earnings to average equity (ytd only) | 6.2061% | 1,910 |
| Net charge-offs to loans | 0.2230% | 4,386 |
| Credit loss provision to net charge-offs | 262.1951% | 914 |
| Earnings coverage of net charge-offs (x) | 12.4085% | 1,625 |
| Efficiency ratio | 57.5732% | 6,106 |
| Assets per employee ($millions) | 4.2257% | 3,421 |
| Cash dividends to net income (ytd only)* | 51.4644% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 4,900 |
| Loan loss allowance to noncurrent loans | 348.2821% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 6,247 |
| Noncurrent loans to loans | 0.3735% | 5,971 |
| Net loans and leases to total assets | 64.0386% | 3,185 |
| Net loans and leases to deposits | 86.8317% | 1,559 |
| Net loans and leases to core deposits | 94.3602% | 1,657 |
| Total domestic deposits to total assets | 73.7503% | 6,743 |
| Equity capital to assets | 8.6604% | 5,949 |
| Core capital (leverage) ratio | 8.6043% | 5,391 |
| Tier 1 risk-based capital ratio | 10.8457% | 6,534 |
| Total risk-based capital ratio | 11.9911% | 6,564 |
| Memoranda: | ||
| Average total assets | $226,901,800 | 2,764 |
| Average earning assets | $211,124,400 | 2,719 |
| Average equity | $18,691,400 | 3,327 |
| Average total loans | $147,110,200 | 2,681 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8873% | 3,622 |
| Cost of funding earning assets | 0.9814% | 3,808 |
| Net interest margin | 3.9060% | 3,351 |
| Noninterest income to average assets | 0.4813% | 4,029 |
| Noninterest expense to average assets | 2.4768% | 5,540 |
| Loan and lease loss provision to assets | 0.2677% | 3,366 |
| Net operating income to assets | 0.9861% | 2,373 |
| Return on assets (ROA) | 0.9856% | 2,531 |
| Pretax return on assets | 1.3805% | 2,003 |
| Return on Equity (ROE) | 12.1217% | 1,521 |
| Retained earnings to average equity (ytd only) | 5.1599% | 3,086 |
| Net charge-offs to loans | 0.2950% | 3,615 |
| Credit loss provision to net charge-offs | 140.0000% | 2,275 |
| Earnings coverage of net charge-offs (x) | 8.6216% | 2,149 |
| Efficiency ratio | 60.0342% | 5,717 |
| Assets per employee ($millions) | 3.9824% | 3,887 |
| Cash dividends to net income (ytd only)* | 57.4326% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 6,172 |
| Loan loss allowance to noncurrent loans | 444.3149% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 6,565 |
| Noncurrent loans to loans | 0.2293% | 6,413 |
| Net loans and leases to total assets | 66.3870% | 2,804 |
| Net loans and leases to deposits | 92.3928% | 979 |
| Net loans and leases to core deposits | 100.8007% | 1,180 |
| Total domestic deposits to total assets | 71.8530% | 6,943 |
| Equity capital to assets | 8.6644% | 6,123 |
| Core capital (leverage) ratio | 8.5495% | 5,641 |
| Tier 1 risk-based capital ratio | 10.4882% | 6,782 |
| Total risk-based capital ratio | 11.3867% | 6,906 |
| Memoranda: | ||
| Average total assets | $226,580,000 | 2,777 |
| Average earning assets | $211,398,500 | 2,719 |
| Average equity | $18,423,750 | 3,372 |
| Average total loans | $146,874,000 | 2,710 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8315% | 3,946 |
| Cost of funding earning assets | 0.9935% | 3,988 |
| Net interest margin | 3.8380% | 3,597 |
| Noninterest income to average assets | 0.4724% | 4,091 |
| Noninterest expense to average assets | 2.4841% | 5,602 |
| Loan and lease loss provision to assets | 0.2195% | 3,724 |
| Net operating income to assets | 0.9604% | 2,392 |
| Return on assets (ROA) | 0.9597% | 2,497 |
| Pretax return on assets | 1.3602% | 1,920 |
| Return on Equity (ROE) | 12.0614% | 1,469 |
| Retained earnings to average equity (ytd only) | 4.3920% | 3,397 |
| Net charge-offs to loans | -0.0192% | 6,811 |
| Credit loss provision to net charge-offs | -1,785.7143% | 6,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1147% | 5,711 |
| Assets per employee ($millions) | 4.2461% | 3,264 |
| Cash dividends to net income (ytd only)* | 63.5865% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 5,784 |
| Loan loss allowance to noncurrent loans | 750.2262% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 6,739 |
| Noncurrent loans to loans | 0.1523% | 6,602 |
| Net loans and leases to total assets | 62.5500% | 3,779 |
| Net loans and leases to deposits | 84.2615% | 2,069 |
| Net loans and leases to core deposits | 91.8923% | 2,149 |
| Total domestic deposits to total assets | 74.2332% | 6,810 |
| Equity capital to assets | 8.1230% | 6,583 |
| Core capital (leverage) ratio | 8.0503% | 6,237 |
| Tier 1 risk-based capital ratio | 10.4655% | 6,801 |
| Total risk-based capital ratio | 11.4584% | 6,898 |
| Memoranda: | ||
| Average total assets | $227,768,330 | 2,771 |
| Average earning assets | $213,185,330 | 2,723 |
| Average equity | $18,124,000 | 3,396 |
| Average total loans | $145,973,000 | 2,745 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 4,177 |
| Cost of funding earning assets | 0.9830% | 4,325 |
| Net interest margin | 3.7926% | 3,653 |
| Noninterest income to average assets | 0.4458% | 4,325 |
| Noninterest expense to average assets | 2.4581% | 5,715 |
| Loan and lease loss provision to assets | 0.2555% | 3,100 |
| Net operating income to assets | 0.8946% | 2,593 |
| Return on assets (ROA) | 0.8934% | 2,656 |
| Pretax return on assets | 1.2792% | 2,104 |
| Return on Equity (ROE) | 11.3464% | 1,635 |
| Retained earnings to average equity (ytd only) | 1.7904% | 5,043 |
| Net charge-offs to loans | -0.0738% | 6,997 |
| Credit loss provision to net charge-offs | -537.0370% | 5,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5351% | 5,754 |
| Assets per employee ($millions) | 4.4811% | 2,922 |
| Cash dividends to net income (ytd only)* | 84.2209% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 6,085 |
| Loan loss allowance to noncurrent loans | 1,151.4706% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 6,913 |
| Noncurrent loans to loans | 0.0946% | 6,810 |
| Net loans and leases to total assets | 59.8900% | 4,287 |
| Net loans and leases to deposits | 82.8839% | 2,200 |
| Net loans and leases to core deposits | 93.7676% | 1,911 |
| Total domestic deposits to total assets | 72.2578% | 7,061 |
| Equity capital to assets | 7.5605% | 6,835 |
| Core capital (leverage) ratio | 8.1801% | 5,997 |
| Tier 1 risk-based capital ratio | 10.5069% | 6,798 |
| Total risk-based capital ratio | 11.4659% | 6,920 |
| Memoranda: | ||
| Average total assets | $227,009,000 | 2,798 |
| Average earning assets | $212,414,000 | 2,751 |
| Average equity | $17,873,500 | 3,416 |
| Average total loans | $146,421,000 | 2,766 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1912% | 3,651 |
| Cost of funding earning assets | 1.2343% | 4,326 |
| Net interest margin | 3.9569% | 3,229 |
| Noninterest income to average assets | 0.9435% | 1,688 |
| Noninterest expense to average assets | 2.9695% | 3,959 |
| Loan and lease loss provision to assets | 0.2977% | 4,420 |
| Net operating income to assets | 1.0278% | 1,943 |
| Return on assets (ROA) | 1.0278% | 2,049 |
| Pretax return on assets | 1.3345% | 1,847 |
| Return on Equity (ROE) | 12.6935% | 1,166 |
| Retained earnings to average equity (ytd only) | 3.8175% | 3,189 |
| Net charge-offs to loans | 0.3773% | 4,153 |
| Credit loss provision to net charge-offs | 118.1474% | 3,609 |
| Earnings coverage of net charge-offs (x) | 6.4783% | 2,349 |
| Efficiency ratio | 64.5312% | 5,253 |
| Assets per employee ($millions) | 3.7986% | 4,262 |
| Cash dividends to net income (ytd only)* | 69.9259% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 6,624 |
| Loan loss allowance to noncurrent loans | 642.3963% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 6,713 |
| Noncurrent loans to loans | 0.1456% | 6,784 |
| Net loans and leases to total assets | 68.1897% | 2,939 |
| Net loans and leases to deposits | 94.3298% | 1,030 |
| Net loans and leases to core deposits | 106.0165% | 1,189 |
| Total domestic deposits to total assets | 72.2886% | 7,060 |
| Equity capital to assets | 8.2168% | 6,242 |
| Core capital (leverage) ratio | 8.4484% | 5,452 |
| Tier 1 risk-based capital ratio | 10.0570% | 6,954 |
| Total risk-based capital ratio | 10.8780% | 7,106 |
| Memoranda: | ||
| Average total assets | $209,968,800 | 2,981 |
| Average earning assets | $194,115,400 | 2,949 |
| Average equity | $17,000,800 | 3,590 |
| Average total loans | $140,195,600 | 2,948 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1688% | 3,995 |
| Cost of funding earning assets | 1.2944% | 4,249 |
| Net interest margin | 3.8743% | 3,643 |
| Noninterest income to average assets | 1.2774% | 843 |
| Noninterest expense to average assets | 3.1584% | 3,075 |
| Loan and lease loss provision to assets | 0.2560% | 4,535 |
| Net operating income to assets | 1.1117% | 1,849 |
| Return on assets (ROA) | 1.1117% | 1,959 |
| Pretax return on assets | 1.4374% | 1,780 |
| Return on Equity (ROE) | 13.7827% | 1,076 |
| Retained earnings to average equity (ytd only) | 3.8246% | 3,764 |
| Net charge-offs to loans | 0.3266% | 4,030 |
| Credit loss provision to net charge-offs | 118.3432% | 3,505 |
| Earnings coverage of net charge-offs (x) | 7.8283% | 2,257 |
| Efficiency ratio | 65.0970% | 5,038 |
| Assets per employee ($millions) | 3.7440% | 4,406 |
| Cash dividends to net income (ytd only)* | 72.2510% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 6,623 |
| Loan loss allowance to noncurrent loans | 154.8975% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 1.4008% | 4,353 |
| Noncurrent loans to loans | 0.6053% | 5,997 |
| Net loans and leases to total assets | 68.5347% | 3,084 |
| Net loans and leases to deposits | 96.4434% | 931 |
| Net loans and leases to core deposits | 109.1072% | 1,090 |
| Total domestic deposits to total assets | 71.0621% | 7,213 |
| Equity capital to assets | 8.1822% | 6,629 |
| Core capital (leverage) ratio | 8.1915% | 6,053 |
| Tier 1 risk-based capital ratio | 9.6785% | 7,199 |
| Total risk-based capital ratio | 10.4942% | 7,327 |
| Memoranda: | ||
| Average total assets | $208,330,750 | 3,041 |
| Average earning assets | $192,200,750 | 3,009 |
| Average equity | $16,803,250 | 3,678 |
| Average total loans | $137,984,750 | 3,021 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0539% | 4,684 |
| Cost of funding earning assets | 1.3093% | 4,479 |
| Net interest margin | 3.7446% | 4,164 |
| Noninterest income to average assets | 1.6163% | 501 |
| Noninterest expense to average assets | 3.3826% | 2,315 |
| Loan and lease loss provision to assets | 0.1443% | 5,456 |
| Net operating income to assets | 1.1679% | 1,652 |
| Return on assets (ROA) | 1.1679% | 1,711 |
| Pretax return on assets | 1.5451% | 1,448 |
| Return on Equity (ROE) | 14.5511% | 936 |
| Retained earnings to average equity (ytd only) | 9.0495% | 1,091 |
| Net charge-offs to loans | 0.3185% | 3,728 |
| Credit loss provision to net charge-offs | 69.4444% | 4,982 |
| Earnings coverage of net charge-offs (x) | 8.1296% | 2,185 |
| Efficiency ratio | 66.6920% | 4,844 |
| Assets per employee ($millions) | 3.6289% | 4,637 |
| Cash dividends to net income (ytd only)* | 37.8089% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 6,743 |
| Loan loss allowance to noncurrent loans | 183.8806% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 1.2538% | 4,645 |
| Noncurrent loans to loans | 0.4918% | 6,264 |
| Net loans and leases to total assets | 64.1356% | 4,240 |
| Net loans and leases to deposits | 86.7556% | 2,386 |
| Net loans and leases to core deposits | 101.4444% | 1,871 |
| Total domestic deposits to total assets | 73.9267% | 6,982 |
| Equity capital to assets | 8.1843% | 6,560 |
| Core capital (leverage) ratio | 8.5008% | 5,408 |
| Tier 1 risk-based capital ratio | 10.4859% | 6,702 |
| Total risk-based capital ratio | 11.2731% | 6,992 |
| Memoranda: | ||
| Average total assets | $207,886,670 | 3,069 |
| Average earning assets | $191,851,000 | 3,038 |
| Average equity | $16,686,000 | 3,688 |
| Average total loans | $135,629,000 | 3,088 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 5,180 |
| Cost of funding earning assets | 1.3177% | 4,708 |
| Net interest margin | 3.6458% | 4,513 |
| Noninterest income to average assets | 0.7377% | 2,367 |
| Noninterest expense to average assets | 2.8559% | 4,246 |
| Loan and lease loss provision to assets | 0.1452% | 5,100 |
| Net operating income to assets | 0.7687% | 3,116 |
| Return on assets (ROA) | 0.7687% | 3,231 |
| Pretax return on assets | 1.0901% | 2,770 |
| Return on Equity (ROE) | 9.6735% | 2,216 |
| Retained earnings to average equity (ytd only) | 4.2398% | 3,608 |
| Net charge-offs to loans | 0.1921% | 3,770 |
| Credit loss provision to net charge-offs | 115.3846% | 3,014 |
| Earnings coverage of net charge-offs (x) | 9.8154% | 1,804 |
| Efficiency ratio | 69.8060% | 4,346 |
| Assets per employee ($millions) | 3.2355% | 5,682 |
| Cash dividends to net income (ytd only)* | 56.1713% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 6,511 |
| Loan loss allowance to noncurrent loans | 164.1154% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 1.3815% | 4,434 |
| Noncurrent loans to loans | 0.6043% | 6,096 |
| Net loans and leases to total assets | 64.0670% | 4,312 |
| Net loans and leases to deposits | 81.1437% | 3,435 |
| Net loans and leases to core deposits | 91.3786% | 3,185 |
| Total domestic deposits to total assets | 78.9550% | 6,091 |
| Equity capital to assets | 8.0953% | 6,547 |
| Core capital (leverage) ratio | 8.5985% | 5,201 |
| Tier 1 risk-based capital ratio | 10.3800% | 6,732 |
| Total risk-based capital ratio | 11.2377% | 7,026 |
| Memoranda: | ||
| Average total assets | $206,592,000 | 3,135 |
| Average earning assets | $190,026,500 | 3,118 |
| Average equity | $16,416,000 | 3,758 |
| Average total loans | $135,332,500 | 3,159 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6079% | 3,565 |
| Cost of funding earning assets | 1.8056% | 3,962 |
| Net interest margin | 3.8023% | 3,697 |
| Noninterest income to average assets | 0.6706% | 3,155 |
| Noninterest expense to average assets | 2.8274% | 4,849 |
| Loan and lease loss provision to assets | 0.4281% | 4,262 |
| Net operating income to assets | 0.6468% | 3,152 |
| Return on assets (ROA) | 0.7508% | 2,806 |
| Pretax return on assets | 1.0675% | 2,351 |
| Return on Equity (ROE) | 9.5166% | 1,849 |
| Retained earnings to average equity (ytd only) | 5.5205% | 1,568 |
| Net charge-offs to loans | 0.6423% | 3,271 |
| Credit loss provision to net charge-offs | 101.6451% | 5,437 |
| Earnings coverage of net charge-offs (x) | 3.1986% | 3,456 |
| Efficiency ratio | 67.7297% | 5,054 |
| Assets per employee ($millions) | 3.4320% | 5,177 |
| Cash dividends to net income (ytd only)* | 41.9908% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 6,688 |
| Loan loss allowance to noncurrent loans | 108.3472% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.4865% | 4,155 |
| Noncurrent loans to loans | 0.8633% | 5,572 |
| Net loans and leases to total assets | 65.6645% | 4,245 |
| Net loans and leases to deposits | 94.9607% | 1,465 |
| Net loans and leases to core deposits | 112.3426% | 2,665 |
| Total domestic deposits to total assets | 69.1491% | 7,482 |
| Equity capital to assets | 7.8008% | 6,766 |
| Core capital (leverage) ratio | 8.5259% | 5,238 |
| Tier 1 risk-based capital ratio | 9.7437% | 7,068 |
| Total risk-based capital ratio | 10.5515% | 7,325 |
| Memoranda: | ||
| Average total assets | $202,056,800 | 3,160 |
| Average earning assets | $186,201,600 | 3,144 |
| Average equity | $15,940,600 | 3,878 |
| Average total loans | $132,490,800 | 3,220 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6062% | 3,829 |
| Cost of funding earning assets | 1.9122% | 3,813 |
| Net interest margin | 3.6940% | 4,104 |
| Noninterest income to average assets | 0.6659% | 3,248 |
| Noninterest expense to average assets | 2.9605% | 4,205 |
| Loan and lease loss provision to assets | 0.3196% | 4,428 |
| Net operating income to assets | 0.5771% | 3,695 |
| Return on assets (ROA) | 0.6552% | 3,440 |
| Pretax return on assets | 0.9069% | 3,205 |
| Return on Equity (ROE) | 8.2811% | 2,525 |
| Retained earnings to average equity (ytd only) | 6.1351% | 1,885 |
| Net charge-offs to loans | 0.6518% | 2,730 |
| Credit loss provision to net charge-offs | 75.0000% | 5,882 |
| Earnings coverage of net charge-offs (x) | 2.6234% | 3,908 |
| Efficiency ratio | 72.5878% | 4,130 |
| Assets per employee ($millions) | 3.1887% | 5,679 |
| Cash dividends to net income (ytd only)* | 25.9145% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 6,964 |
| Loan loss allowance to noncurrent loans | 97.7391% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 5,541 |
| Noncurrent loans to loans | 0.8678% | 5,555 |
| Net loans and leases to total assets | 62.4357% | 5,168 |
| Net loans and leases to deposits | 90.1036% | 2,559 |
| Net loans and leases to core deposits | 110.3869% | 3,195 |
| Total domestic deposits to total assets | 69.2932% | 7,473 |
| Equity capital to assets | 7.7242% | 7,129 |
| Core capital (leverage) ratio | 8.2263% | 5,971 |
| Tier 1 risk-based capital ratio | 9.8730% | 7,075 |
| Total risk-based capital ratio | 10.5887% | 7,453 |
| Memoranda: | ||
| Average total assets | $200,233,750 | 3,202 |
| Average earning assets | $184,981,500 | 3,181 |
| Average equity | $15,843,000 | 3,947 |
| Average total loans | $130,922,000 | 3,285 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6553% | 3,794 |
| Cost of funding earning assets | 2.0298% | 3,627 |
| Net interest margin | 3.6255% | 4,264 |
| Noninterest income to average assets | 0.7164% | 2,891 |
| Noninterest expense to average assets | 3.0209% | 4,004 |
| Loan and lease loss provision to assets | 0.4268% | 3,415 |
| Net operating income to assets | 0.4550% | 4,272 |
| Return on assets (ROA) | 0.5792% | 3,879 |
| Pretax return on assets | 0.7773% | 3,753 |
| Return on Equity (ROE) | 7.2587% | 3,086 |
| Retained earnings to average equity (ytd only) | 7.2587% | 1,484 |
| Net charge-offs to loans | 1.0246% | 1,734 |
| Credit loss provision to net charge-offs | 62.8743% | 5,544 |
| Earnings coverage of net charge-offs (x) | 1.5299% | 4,392 |
| Efficiency ratio | 74.4180% | 3,966 |
| Assets per employee ($millions) | 3.0374% | 6,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 7,200 |
| Loan loss allowance to noncurrent loans | 96.1931% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.8440% | 5,301 |
| Noncurrent loans to loans | 0.8164% | 5,592 |
| Net loans and leases to total assets | 65.2891% | 4,709 |
| Net loans and leases to deposits | 87.9468% | 3,185 |
| Net loans and leases to core deposits | 108.0908% | 3,599 |
| Total domestic deposits to total assets | 74.2370% | 6,918 |
| Equity capital to assets | 7.9334% | 6,825 |
| Core capital (leverage) ratio | 8.3327% | 5,736 |
| Tier 1 risk-based capital ratio | 9.6859% | 7,243 |
| Total risk-based capital ratio | 10.3398% | 7,661 |
| Memoranda: | ||
| Average total assets | $196,826,670 | 3,261 |
| Average earning assets | $181,493,330 | 3,240 |
| Average equity | $15,705,330 | 3,978 |
| Average total loans | $130,388,330 | 3,327 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7895% | 3,356 |
| Cost of funding earning assets | 2.1473% | 3,425 |
| Net interest margin | 3.6422% | 4,131 |
| Noninterest income to average assets | 0.7487% | 2,606 |
| Noninterest expense to average assets | 2.9661% | 3,908 |
| Loan and lease loss provision to assets | 0.2256% | 4,198 |
| Net operating income to assets | 0.6441% | 3,819 |
| Return on assets (ROA) | 0.6441% | 4,001 |
| Pretax return on assets | 0.9005% | 3,711 |
| Return on Equity (ROE) | 8.0482% | 3,127 |
| Retained earnings to average equity (ytd only) | 8.0482% | 1,796 |
| Net charge-offs to loans | 0.4104% | 2,460 |
| Credit loss provision to net charge-offs | 82.7068% | 4,148 |
| Earnings coverage of net charge-offs (x) | 4.1278% | 2,970 |
| Efficiency ratio | 72.4812% | 4,112 |
| Assets per employee ($millions) | 3.0410% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 6,143 |
| Loan loss allowance to noncurrent loans | 81.0932% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.1773% | 4,315 |
| Noncurrent loans to loans | 1.2384% | 4,492 |
| Net loans and leases to total assets | 62.8848% | 5,176 |
| Net loans and leases to deposits | 85.2012% | 3,774 |
| Net loans and leases to core deposits | 103.0552% | 4,235 |
| Total domestic deposits to total assets | 73.8074% | 6,919 |
| Equity capital to assets | 7.9823% | 6,840 |
| Core capital (leverage) ratio | 8.3906% | 5,730 |
| Tier 1 risk-based capital ratio | 10.1196% | 6,791 |
| Total risk-based capital ratio | 10.9653% | 7,148 |
| Memoranda: | ||
| Average total assets | $195,005,000 | 3,295 |
| Average earning assets | $179,013,000 | 3,293 |
| Average equity | $15,606,000 | 4,021 |
| Average total loans | $129,622,000 | 3,372 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6366% | 2,307 |
| Cost of funding earning assets | 2.5496% | 3,959 |
| Net interest margin | 4.0870% | 2,773 |
| Noninterest income to average assets | 0.5736% | 4,061 |
| Noninterest expense to average assets | 2.9417% | 4,293 |
| Loan and lease loss provision to assets | 0.5648% | 2,560 |
| Net operating income to assets | 0.5719% | 4,431 |
| Return on assets (ROA) | 0.5719% | 4,296 |
| Pretax return on assets | 0.8073% | 4,040 |
| Return on Equity (ROE) | 6.9628% | 3,550 |
| Retained earnings to average equity (ytd only) | 6.9628% | 1,162 |
| Net charge-offs to loans | 1.1325% | 1,071 |
| Credit loss provision to net charge-offs | 66.8414% | 6,123 |
| Earnings coverage of net charge-offs (x) | 1.6239% | 5,275 |
| Efficiency ratio | 68.1941% | 4,689 |
| Assets per employee ($millions) | 2.7478% | 6,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 6,342 |
| Loan loss allowance to noncurrent loans | 49.2143% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 2.0993% | 2,340 |
| Noncurrent loans to loans | 1.9516% | 2,826 |
| Net loans and leases to total assets | 68.8334% | 4,294 |
| Net loans and leases to deposits | 93.0147% | 2,953 |
| Net loans and leases to core deposits | 113.2894% | 3,419 |
| Total domestic deposits to total assets | 74.0027% | 6,656 |
| Equity capital to assets | 8.0240% | 6,811 |
| Core capital (leverage) ratio | 8.7014% | 5,193 |
| Tier 1 risk-based capital ratio | 9.6563% | 7,137 |
| Total risk-based capital ratio | 10.4954% | 7,515 |
| Memoranda: | ||
| Average total assets | $180,610,400 | 3,399 |
| Average earning assets | $165,279,600 | 3,401 |
| Average equity | $14,836,000 | 4,175 |
| Average total loans | $134,742,400 | 3,182 |