Home > Henderson State Bank > Performance and Condition Ratios
Henderson State 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 | 6.2296% | 475 |
| Cost of funding earning assets | 2.5096% | 354 |
| Net interest margin | 3.7200% | 1,717 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.8146% | 3,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5989% | 868 |
| Return on assets (ROA) | 1.5951% | 840 |
| Pretax return on assets | 1.9549% | 717 |
| Return on Equity (ROE) | 14.6900% | 1,346 |
| Retained earnings to average equity (ytd only) | 6.5548% | 2,041 |
| Net charge-offs to loans | -0.0082% | 3,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 48.0801% | 4,088 |
| Assets per employee ($millions) | 9.3700% | 867 |
| Cash dividends to net income (ytd only)* | 55.3638% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,344 |
| Loan loss allowance to noncurrent loans | 140.9914% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6878% | 757 |
| Noncurrent loans to loans | 0.8455% | 908 |
| Net loans and leases to total assets | 80.3800% | 597 |
| Net loans and leases to deposits | 106.4350% | 278 |
| Net loans and leases to core deposits | 234.6123% | 65 |
| Total domestic deposits to total assets | 75.5200% | 3,986 |
| Equity capital to assets | 10.2147% | 1,887 |
| Core capital (leverage) ratio | 11.9509% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $301,552,000 | 2,423 |
| Average earning assets | $284,463,000 | 2,389 |
| Average equity | $32,754,400 | 2,152 |
| Average total loans | $244,598,800 | 2,035 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1143% | 463 |
| Cost of funding earning assets | 2.3190% | 393 |
| Net interest margin | 3.7953% | 1,607 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.8112% | 3,958 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6634% | 843 |
| Return on assets (ROA) | 1.6604% | 842 |
| Pretax return on assets | 2.0404% | 721 |
| Return on Equity (ROE) | 15.0300% | 1,437 |
| Retained earnings to average equity (ytd only) | 6.7265% | 2,389 |
| Net charge-offs to loans | -0.0101% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.9803% | 4,092 |
| Assets per employee ($millions) | 9.1961% | 871 |
| Cash dividends to net income (ytd only)* | 55.2415% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,095 |
| Loan loss allowance to noncurrent loans | 140.9052% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 781 |
| Noncurrent loans to loans | 0.8888% | 930 |
| Net loans and leases to total assets | 80.0800% | 635 |
| Net loans and leases to deposits | 111.9907% | 165 |
| Net loans and leases to core deposits | 227.1954% | 28 |
| Total domestic deposits to total assets | 71.5100% | 4,271 |
| Equity capital to assets | 10.0350% | 1,815 |
| Core capital (leverage) ratio | 12.4452% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $292,610,250 | 2,465 |
| Average earning assets | $276,436,750 | 2,438 |
| Average equity | $32,329,000 | 2,156 |
| Average total loans | $237,149,500 | 2,067 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9227% | 486 |
| Cost of funding earning assets | 2.0624% | 435 |
| Net interest margin | 3.8603% | 1,507 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.8115% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7255% | 748 |
| Return on assets (ROA) | 1.7146% | 760 |
| Pretax return on assets | 2.1205% | 601 |
| Return on Equity (ROE) | 15.0000% | 1,467 |
| Retained earnings to average equity (ytd only) | 6.7102% | 2,375 |
| Net charge-offs to loans | -0.0148% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.9140% | 4,169 |
| Assets per employee ($millions) | 8.4342% | 1,125 |
| Cash dividends to net income (ytd only)* | 55.2577% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 1,688 |
| Loan loss allowance to noncurrent loans | 140.8621% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.7859% | 648 |
| Noncurrent loans to loans | 0.9625% | 785 |
| Net loans and leases to total assets | 80.5500% | 576 |
| Net loans and leases to deposits | 108.8964% | 222 |
| Net loans and leases to core deposits | 190.2290% | 52 |
| Total domestic deposits to total assets | 73.9700% | 4,194 |
| Equity capital to assets | 11.1204% | 1,338 |
| Core capital (leverage) ratio | 13.0950% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $282,859,333 | 2,516 |
| Average earning assets | $268,424,667 | 2,484 |
| Average equity | $32,339,000 | 2,174 |
| Average total loans | $229,189,667 | 2,100 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7763% | 428 |
| Cost of funding earning assets | 1.7820% | 467 |
| Net interest margin | 3.9943% | 1,273 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.8721% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7669% | 716 |
| Return on assets (ROA) | 1.7738% | 701 |
| Pretax return on assets | 2.2075% | 562 |
| Return on Equity (ROE) | 15.2900% | 1,497 |
| Retained earnings to average equity (ytd only) | 6.8796% | 2,528 |
| Net charge-offs to loans | -0.0107% | 3,863 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.9872% | 4,220 |
| Assets per employee ($millions) | 8.4291% | 1,151 |
| Cash dividends to net income (ytd only)* | 55.0122% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 1,274 |
| Loan loss allowance to noncurrent loans | 140.3879% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 533 |
| Noncurrent loans to loans | 1.0655% | 677 |
| Net loans and leases to total assets | 79.5200% | 583 |
| Net loans and leases to deposits | 101.4843% | 381 |
| Net loans and leases to core deposits | 163.0013% | 82 |
| Total domestic deposits to total assets | 78.3500% | 3,965 |
| Equity capital to assets | 12.0497% | 984 |
| Core capital (leverage) ratio | 13.2580% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $276,690,500 | 2,578 |
| Average earning assets | $262,174,000 | 2,547 |
| Average equity | $32,095,000 | 2,210 |
| Average total loans | $223,265,000 | 2,147 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0530% | 275 |
| Cost of funding earning assets | 1.0345% | 140 |
| Net interest margin | 4.0185% | 766 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.8366% | 3,957 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.8011% | 444 |
| Return on assets (ROA) | 1.8000% | 428 |
| Pretax return on assets | 2.2403% | 293 |
| Return on Equity (ROE) | 15.6200% | 1,120 |
| Retained earnings to average equity (ytd only) | 6.7061% | 2,362 |
| Net charge-offs to loans | -0.0622% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.0324% | 4,392 |
| Assets per employee ($millions) | 9.1500% | 869 |
| Cash dividends to net income (ytd only)* | 57.0710% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 1,433 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 79.5100% | 651 |
| Net loans and leases to deposits | 107.1810% | 220 |
| Net loans and leases to core deposits | 170.5381% | 51 |
| Total domestic deposits to total assets | 74.1900% | 4,346 |
| Equity capital to assets | 11.1716% | 1,194 |
| Core capital (leverage) ratio | 12.9868% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $276,169,400 | 2,570 |
| Average earning assets | $261,288,800 | 2,541 |
| Average equity | $31,822,000 | 2,255 |
| Average total loans | $221,700,400 | 2,099 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 237 |
| Cost of funding earning assets | 0.9099% | 101 |
| Net interest margin | 3.9956% | 643 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.8408% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7762% | 448 |
| Return on assets (ROA) | 1.7727% | 439 |
| Pretax return on assets | 2.2155% | 315 |
| Return on Equity (ROE) | 15.2600% | 1,122 |
| Retained earnings to average equity (ytd only) | 6.1694% | 2,695 |
| Net charge-offs to loans | -0.0812% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.3316% | 4,411 |
| Assets per employee ($millions) | 8.4239% | 1,111 |
| Cash dividends to net income (ytd only)* | 59.5832% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 1,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 79.9900% | 531 |
| Net loans and leases to deposits | 116.8682% | 67 |
| Net loans and leases to core deposits | 185.8217% | 29 |
| Total domestic deposits to total assets | 68.4500% | 4,558 |
| Equity capital to assets | 10.9433% | 1,199 |
| Core capital (leverage) ratio | 12.8984% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $274,299,500 | 2,598 |
| Average earning assets | $259,812,750 | 2,573 |
| Average equity | $31,855,500 | 2,283 |
| Average total loans | $219,927,750 | 2,109 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7765% | 228 |
| Cost of funding earning assets | 0.8423% | 79 |
| Net interest margin | 3.9342% | 573 |
| Noninterest income to average assets | 0.3091% | 3,309 |
| Noninterest expense to average assets | 1.8362% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7534% | 377 |
| Return on assets (ROA) | 1.7475% | 377 |
| Pretax return on assets | 2.1980% | 251 |
| Return on Equity (ROE) | 14.7586% | 946 |
| Retained earnings to average equity (ytd only) | 4.8618% | 2,757 |
| Net charge-offs to loans | -0.1064% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4331% | 4,477 |
| Assets per employee ($millions) | 8.2404% | 1,181 |
| Cash dividends to net income (ytd only)* | 67.0578% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 1,599 |
| Loan loss allowance to noncurrent loans | 137.9915% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.8605% | 599 |
| Noncurrent loans to loans | 1.0425% | 801 |
| Net loans and leases to total assets | 81.3538% | 325 |
| Net loans and leases to deposits | 117.6583% | 51 |
| Net loans and leases to core deposits | 218.9629% | 25 |
| Total domestic deposits to total assets | 69.1441% | 4,628 |
| Equity capital to assets | 11.2002% | 1,135 |
| Core capital (leverage) ratio | 12.7042% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,070,000 | 2,627 |
| Average earning assets | $259,060,000 | 2,606 |
| Average equity | $32,333,667 | 2,306 |
| Average total loans | $218,031,000 | 2,122 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8703% | 180 |
| Cost of funding earning assets | 0.8217% | 77 |
| Net interest margin | 4.0485% | 377 |
| Noninterest income to average assets | 0.3245% | 3,161 |
| Noninterest expense to average assets | 1.8360% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8632% | 290 |
| Return on assets (ROA) | 1.8608% | 292 |
| Pretax return on assets | 2.3242% | 223 |
| Return on Equity (ROE) | 15.3042% | 615 |
| Retained earnings to average equity (ytd only) | 3.8831% | 2,976 |
| Net charge-offs to loans | -0.0335% | 4,128 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1011% | 4,549 |
| Assets per employee ($millions) | 8.4150% | 1,160 |
| Cash dividends to net income (ytd only)* | 74.6269% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 1,678 |
| Loan loss allowance to noncurrent loans | 659.1579% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 2,594 |
| Noncurrent loans to loans | 0.2218% | 2,710 |
| Net loans and leases to total assets | 75.9898% | 511 |
| Net loans and leases to deposits | 105.5617% | 103 |
| Net loans and leases to core deposits | 217.5800% | 24 |
| Total domestic deposits to total assets | 71.9862% | 4,623 |
| Equity capital to assets | 11.6592% | 1,071 |
| Core capital (leverage) ratio | 12.8803% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,639,000 | 2,640 |
| Average earning assets | $259,451,000 | 2,613 |
| Average equity | $33,272,000 | 2,319 |
| Average total loans | $214,818,500 | 2,142 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 657 |
| Cost of funding earning assets | 0.9910% | 77 |
| Net interest margin | 3.4545% | 1,871 |
| Noninterest income to average assets | 0.5292% | 2,446 |
| Noninterest expense to average assets | 2.0256% | 3,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4451% | 1,147 |
| Return on assets (ROA) | 1.4615% | 1,167 |
| Pretax return on assets | 1.7997% | 913 |
| Return on Equity (ROE) | 11.3609% | 2,034 |
| Retained earnings to average equity (ytd only) | 1.8052% | 4,041 |
| Net charge-offs to loans | -0.0355% | 4,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2336% | 4,007 |
| Assets per employee ($millions) | 8.1692% | 1,235 |
| Cash dividends to net income (ytd only)* | 84.1107% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 1,748 |
| Loan loss allowance to noncurrent loans | 64.5315% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.7894% | 201 |
| Noncurrent loans to loans | 2.2387% | 324 |
| Net loans and leases to total assets | 78.7783% | 334 |
| Net loans and leases to deposits | 115.6256% | 54 |
| Net loans and leases to core deposits | 209.6372% | 24 |
| Total domestic deposits to total assets | 68.1323% | 4,708 |
| Equity capital to assets | 12.6740% | 1,004 |
| Core capital (leverage) ratio | 12.8133% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,982,800 | 2,624 |
| Average earning assets | $253,180,000 | 2,596 |
| Average equity | $34,345,800 | 2,320 |
| Average total loans | $214,248,000 | 2,141 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 713 |
| Cost of funding earning assets | 1.0334% | 76 |
| Net interest margin | 3.4327% | 2,061 |
| Noninterest income to average assets | 0.6168% | 2,140 |
| Noninterest expense to average assets | 2.0255% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4931% | 1,288 |
| Return on assets (ROA) | 1.5094% | 1,298 |
| Pretax return on assets | 1.8723% | 998 |
| Return on Equity (ROE) | 11.6890% | 2,146 |
| Retained earnings to average equity (ytd only) | 4.7493% | 3,313 |
| Net charge-offs to loans | -0.0611% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2334% | 4,007 |
| Assets per employee ($millions) | 7.8706% | 1,327 |
| Cash dividends to net income (ytd only)* | 59.3698% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 1,614 |
| Loan loss allowance to noncurrent loans | 126.3094% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.9556% | 706 |
| Noncurrent loans to loans | 1.1911% | 936 |
| Net loans and leases to total assets | 79.0224% | 348 |
| Net loans and leases to deposits | 115.8223% | 56 |
| Net loans and leases to core deposits | 203.5363% | 31 |
| Total domestic deposits to total assets | 68.2273% | 4,773 |
| Equity capital to assets | 13.4733% | 858 |
| Core capital (leverage) ratio | 12.9741% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,332,750 | 2,650 |
| Average earning assets | $253,009,250 | 2,626 |
| Average equity | $34,390,500 | 2,347 |
| Average total loans | $213,938,500 | 2,176 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4230% | 830 |
| Cost of funding earning assets | 1.0817% | 74 |
| Net interest margin | 3.3414% | 2,327 |
| Noninterest income to average assets | 0.7939% | 1,558 |
| Noninterest expense to average assets | 2.0809% | 3,451 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5206% | 1,245 |
| Return on assets (ROA) | 1.5313% | 1,276 |
| Pretax return on assets | 1.9037% | 1,016 |
| Return on Equity (ROE) | 12.0271% | 2,050 |
| Retained earnings to average equity (ytd only) | 6.3236% | 2,683 |
| Net charge-offs to loans | -0.0825% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4006% | 4,002 |
| Assets per employee ($millions) | 7.8236% | 1,290 |
| Cash dividends to net income (ytd only)* | 47.4222% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 1,742 |
| Loan loss allowance to noncurrent loans | 89.3398% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.3154% | 486 |
| Noncurrent loans to loans | 1.6291% | 668 |
| Net loans and leases to total assets | 79.5693% | 341 |
| Net loans and leases to deposits | 113.9449% | 79 |
| Net loans and leases to core deposits | 196.3687% | 38 |
| Total domestic deposits to total assets | 69.8314% | 4,759 |
| Equity capital to assets | 13.0702% | 927 |
| Core capital (leverage) ratio | 12.6684% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,534,000 | 2,625 |
| Average earning assets | $255,345,667 | 2,593 |
| Average equity | $34,189,333 | 2,349 |
| Average total loans | $215,791,667 | 2,170 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4280% | 873 |
| Cost of funding earning assets | 1.1601% | 66 |
| Net interest margin | 3.2679% | 2,489 |
| Noninterest income to average assets | 1.0867% | 999 |
| Noninterest expense to average assets | 2.2936% | 2,812 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5122% | 1,301 |
| Return on assets (ROA) | 1.5241% | 1,339 |
| Pretax return on assets | 1.9110% | 1,096 |
| Return on Equity (ROE) | 12.1296% | 1,972 |
| Retained earnings to average equity (ytd only) | 7.4099% | 2,449 |
| Net charge-offs to loans | -0.1516% | 4,735 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7417% | 3,706 |
| Assets per employee ($millions) | 7.8403% | 1,266 |
| Cash dividends to net income (ytd only)* | 38.9105% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 1,746 |
| Loan loss allowance to noncurrent loans | 101.2991% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.1550% | 654 |
| Noncurrent loans to loans | 1.4385% | 878 |
| Net loans and leases to total assets | 79.1226% | 392 |
| Net loans and leases to deposits | 115.7098% | 94 |
| Net loans and leases to core deposits | 158.3449% | 63 |
| Total domestic deposits to total assets | 68.3802% | 4,796 |
| Equity capital to assets | 12.7194% | 986 |
| Core capital (leverage) ratio | 12.5401% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,800,000 | 2,597 |
| Average earning assets | $256,187,000 | 2,566 |
| Average equity | $33,900,500 | 2,355 |
| Average total loans | $216,296,500 | 2,171 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 1,008 |
| Cost of funding earning assets | 1.5136% | 77 |
| Net interest margin | 3.1289% | 3,555 |
| Noninterest income to average assets | 0.2914% | 3,741 |
| Noninterest expense to average assets | 1.7603% | 4,531 |
| Loan and lease loss provision to assets | 0.0732% | 3,469 |
| Net operating income to assets | 1.1714% | 1,647 |
| Return on assets (ROA) | 1.6395% | 631 |
| Pretax return on assets | 1.9873% | 466 |
| Return on Equity (ROE) | 13.8021% | 861 |
| Retained earnings to average equity (ytd only) | 9.5434% | 676 |
| Net charge-offs to loans | 0.0381% | 2,291 |
| Credit loss provision to net charge-offs | 250.0000% | 1,939 |
| Earnings coverage of net charge-offs (x) | 51.1000% | 1,180 |
| Efficiency ratio | 54.0519% | 4,205 |
| Assets per employee ($millions) | 7.8009% | 1,121 |
| Cash dividends to net income (ytd only)* | 30.8551% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 2,011 |
| Loan loss allowance to noncurrent loans | 101.5040% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.0959% | 836 |
| Noncurrent loans to loans | 1.3690% | 993 |
| Net loans and leases to total assets | 78.9364% | 508 |
| Net loans and leases to deposits | 118.4885% | 83 |
| Net loans and leases to core deposits | 143.9045% | 106 |
| Total domestic deposits to total assets | 66.6194% | 4,838 |
| Equity capital to assets | 12.4144% | 1,362 |
| Core capital (leverage) ratio | 12.1775% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,184,800 | 2,440 |
| Average earning assets | $258,911,600 | 2,411 |
| Average equity | $32,451,600 | 2,361 |
| Average total loans | $210,127,400 | 2,163 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 1,052 |
| Cost of funding earning assets | 1.5662% | 90 |
| Net interest margin | 3.1402% | 3,645 |
| Noninterest income to average assets | 0.3318% | 3,499 |
| Noninterest expense to average assets | 1.7641% | 4,549 |
| Loan and lease loss provision to assets | 0.0977% | 3,101 |
| Net operating income to assets | 1.1684% | 1,748 |
| Return on assets (ROA) | 1.7724% | 538 |
| Pretax return on assets | 2.1940% | 343 |
| Return on Equity (ROE) | 15.0902% | 678 |
| Retained earnings to average equity (ytd only) | 13.4490% | 288 |
| Net charge-offs to loans | -0.1231% | 4,854 |
| Credit loss provision to net charge-offs | -104.1667% | 3,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2950% | 4,220 |
| Assets per employee ($millions) | 8.5386% | 829 |
| Cash dividends to net income (ytd only)* | 10.8756% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 1,176 |
| Loan loss allowance to noncurrent loans | 93.7925% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.2521% | 773 |
| Noncurrent loans to loans | 1.6771% | 822 |
| Net loans and leases to total assets | 73.4808% | 1,436 |
| Net loans and leases to deposits | 106.6675% | 307 |
| Net loans and leases to core deposits | 132.0070% | 221 |
| Total domestic deposits to total assets | 68.8877% | 4,792 |
| Equity capital to assets | 12.0278% | 1,658 |
| Core capital (leverage) ratio | 11.6920% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,223,500 | 2,412 |
| Average earning assets | $259,126,500 | 2,379 |
| Average equity | $32,090,750 | 2,372 |
| Average total loans | $208,020,000 | 2,177 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8135% | 1,139 |
| Cost of funding earning assets | 1.6139% | 104 |
| Net interest margin | 3.1996% | 3,670 |
| Noninterest income to average assets | 0.4113% | 3,013 |
| Noninterest expense to average assets | 1.7768% | 4,591 |
| Loan and lease loss provision to assets | 0.1479% | 2,528 |
| Net operating income to assets | 1.2253% | 1,568 |
| Return on assets (ROA) | 1.2265% | 1,686 |
| Pretax return on assets | 1.5209% | 1,409 |
| Return on Equity (ROE) | 10.5301% | 1,800 |
| Retained earnings to average equity (ytd only) | 10.5301% | 685 |
| Net charge-offs to loans | -0.1766% | 4,925 |
| Credit loss provision to net charge-offs | -109.2896% | 3,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5893% | 4,390 |
| Assets per employee ($millions) | 8.6083% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 1,234 |
| Loan loss allowance to noncurrent loans | 101.1029% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.1490% | 967 |
| Noncurrent loans to loans | 1.4938% | 1,012 |
| Net loans and leases to total assets | 75.7543% | 1,173 |
| Net loans and leases to deposits | 109.2015% | 246 |
| Net loans and leases to core deposits | 139.8313% | 170 |
| Total domestic deposits to total assets | 69.3711% | 4,809 |
| Equity capital to assets | 11.7311% | 1,817 |
| Core capital (leverage) ratio | 11.4811% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,373,667 | 2,410 |
| Average earning assets | $256,279,333 | 2,377 |
| Average equity | $31,490,667 | 2,388 |
| Average total loans | $207,240,667 | 2,166 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0787% | 831 |
| Cost of funding earning assets | 1.6999% | 130 |
| Net interest margin | 3.3789% | 3,366 |
| Noninterest income to average assets | 0.2019% | 4,342 |
| Noninterest expense to average assets | 1.8670% | 4,580 |
| Loan and lease loss provision to assets | 0.2277% | 1,360 |
| Net operating income to assets | 1.3297% | 1,159 |
| Return on assets (ROA) | 1.3297% | 1,253 |
| Pretax return on assets | 1.3024% | 1,863 |
| Return on Equity (ROE) | 11.4609% | 1,273 |
| Retained earnings to average equity (ytd only) | 11.4609% | 489 |
| Net charge-offs to loans | 1.6309% | 92 |
| Credit loss provision to net charge-offs | 18.2482% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.2263% | 2,406 |
| Efficiency ratio | 54.9598% | 4,314 |
| Assets per employee ($millions) | 7.4531% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 3,059 |
| Loan loss allowance to noncurrent loans | 68.6965% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.2528% | 962 |
| Noncurrent loans to loans | 1.6420% | 937 |
| Net loans and leases to total assets | 75.4338% | 1,397 |
| Net loans and leases to deposits | 109.3681% | 198 |
| Net loans and leases to core deposits | 152.4501% | 108 |
| Total domestic deposits to total assets | 68.9724% | 4,894 |
| Equity capital to assets | 11.6374% | 2,334 |
| Core capital (leverage) ratio | 11.6841% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3771% | 2,123 |
| Memoranda: | ||
| Average total assets | $263,523,000 | 2,405 |
| Average earning assets | $249,197,000 | 2,374 |
| Average equity | $30,573,500 | 2,424 |
| Average total loans | $201,611,500 | 2,170 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4483% | 609 |
| Cost of funding earning assets | 1.7353% | 174 |
| Net interest margin | 3.7131% | 2,777 |
| Noninterest income to average assets | 0.2144% | 4,381 |
| Noninterest expense to average assets | 1.7026% | 4,865 |
| Loan and lease loss provision to assets | 1.3161% | 68 |
| Net operating income to assets | 0.6642% | 3,974 |
| Return on assets (ROA) | 0.6549% | 4,074 |
| Pretax return on assets | 0.6815% | 4,250 |
| Return on Equity (ROE) | 5.9349% | 3,941 |
| Retained earnings to average equity (ytd only) | 2.5377% | 3,759 |
| Net charge-offs to loans | 1.8524% | 67 |
| Credit loss provision to net charge-offs | 92.0797% | 2,624 |
| Earnings coverage of net charge-offs (x) | 1.4044% | 3,545 |
| Efficiency ratio | 45.8927% | 4,914 |
| Assets per employee ($millions) | 7.1943% | 977 |
| Cash dividends to net income (ytd only)* | 57.2410% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,427 |
| Loan loss allowance to noncurrent loans | 368.7737% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 3,251 |
| Noncurrent loans to loans | 0.3874% | 3,048 |
| Net loans and leases to total assets | 75.6180% | 1,480 |
| Net loans and leases to deposits | 109.2995% | 202 |
| Net loans and leases to core deposits | 149.2644% | 121 |
| Total domestic deposits to total assets | 69.1842% | 4,959 |
| Equity capital to assets | 11.5670% | 2,474 |
| Core capital (leverage) ratio | 11.2350% | 2,304 |
| Tier 1 risk-based capital ratio | 12.8133% | 3,889 |
| Total risk-based capital ratio | 14.0629% | 3,777 |
| Memoranda: | ||
| Average total assets | $266,764,200 | 2,348 |
| Average earning assets | $251,141,000 | 2,333 |
| Average equity | $29,435,800 | 2,427 |
| Average total loans | $205,841,200 | 2,122 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4666% | 625 |
| Cost of funding earning assets | 1.7216% | 182 |
| Net interest margin | 3.7450% | 2,770 |
| Noninterest income to average assets | 0.2133% | 4,447 |
| Noninterest expense to average assets | 1.7479% | 4,871 |
| Loan and lease loss provision to assets | 1.6789% | 53 |
| Net operating income to assets | 0.3237% | 4,814 |
| Return on assets (ROA) | 0.3102% | 4,847 |
| Pretax return on assets | 0.3002% | 4,906 |
| Return on Equity (ROE) | 2.8456% | 4,790 |
| Retained earnings to average equity (ytd only) | -1.7367% | 4,909 |
| Net charge-offs to loans | 2.0861% | 54 |
| Credit loss provision to net charge-offs | 104.1525% | 2,174 |
| Earnings coverage of net charge-offs (x) | 1.2361% | 3,317 |
| Efficiency ratio | 46.7281% | 4,907 |
| Assets per employee ($millions) | 7.6705% | 783 |
| Cash dividends to net income (ytd only)* | 161.0305% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 855 |
| Loan loss allowance to noncurrent loans | 90.7197% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.3767% | 852 |
| Noncurrent loans to loans | 1.8504% | 763 |
| Net loans and leases to total assets | 73.1534% | 1,971 |
| Net loans and leases to deposits | 104.5450% | 386 |
| Net loans and leases to core deposits | 140.4837% | 180 |
| Total domestic deposits to total assets | 69.9731% | 4,996 |
| Equity capital to assets | 11.0904% | 3,021 |
| Core capital (leverage) ratio | 10.8610% | 2,782 |
| Tier 1 risk-based capital ratio | 12.4186% | 4,190 |
| Total risk-based capital ratio | 13.6708% | 4,069 |
| Memoranda: | ||
| Average total assets | $266,908,250 | 2,365 |
| Average earning assets | $251,386,000 | 2,348 |
| Average equity | $29,097,250 | 2,456 |
| Average total loans | $206,250,750 | 2,137 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5757% | 490 |
| Cost of funding earning assets | 1.7166% | 170 |
| Net interest margin | 3.8591% | 2,374 |
| Noninterest income to average assets | 0.1990% | 4,567 |
| Noninterest expense to average assets | 2.8162% | 2,530 |
| Loan and lease loss provision to assets | 0.0450% | 2,921 |
| Net operating income to assets | 0.8452% | 3,487 |
| Return on assets (ROA) | 0.8138% | 3,663 |
| Pretax return on assets | 0.9340% | 3,758 |
| Return on Equity (ROE) | 7.5091% | 3,491 |
| Retained earnings to average equity (ytd only) | 0.5819% | 4,543 |
| Net charge-offs to loans | -0.0019% | 3,945 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5058% | 1,699 |
| Assets per employee ($millions) | 7.4784% | 822 |
| Cash dividends to net income (ytd only)* | 92.2509% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 1,021 |
| Loan loss allowance to noncurrent loans | 94.2021% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.3311% | 940 |
| Noncurrent loans to loans | 1.7015% | 894 |
| Net loans and leases to total assets | 76.9772% | 1,395 |
| Net loans and leases to deposits | 114.5479% | 133 |
| Net loans and leases to core deposits | 145.8708% | 150 |
| Total domestic deposits to total assets | 67.2009% | 5,128 |
| Equity capital to assets | 11.4447% | 2,644 |
| Core capital (leverage) ratio | 11.0187% | 2,581 |
| Tier 1 risk-based capital ratio | 12.6133% | 4,069 |
| Total risk-based capital ratio | 13.8649% | 3,956 |
| Memoranda: | ||
| Average total assets | $266,389,000 | 2,375 |
| Average earning assets | $250,731,000 | 2,360 |
| Average equity | $28,871,670 | 2,459 |
| Average total loans | $208,419,330 | 2,128 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2591% | 818 |
| Cost of funding earning assets | 1.6932% | 164 |
| Net interest margin | 3.5660% | 3,379 |
| Noninterest income to average assets | 0.1831% | 4,655 |
| Noninterest expense to average assets | 3.8807% | 608 |
| Loan and lease loss provision to assets | 0.0447% | 2,747 |
| Net operating income to assets | -0.2457% | 5,212 |
| Return on assets (ROA) | -0.3022% | 5,222 |
| Pretax return on assets | -0.4749% | 5,237 |
| Return on Equity (ROE) | -2.8663% | 5,235 |
| Retained earnings to average equity (ytd only) | -16.9858% | 5,233 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1860% | 104 |
| Assets per employee ($millions) | 7.2760% | 885 |
| Cash dividends to net income (ytd only)* | -492.6108% | 5,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 1,252 |
| Loan loss allowance to noncurrent loans | 53.9701% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 2.2362% | 387 |
| Noncurrent loans to loans | 2.8290% | 414 |
| Net loans and leases to total assets | 77.8386% | 1,188 |
| Net loans and leases to deposits | 117.9985% | 102 |
| Net loans and leases to core deposits | 157.7735% | 98 |
| Total domestic deposits to total assets | 65.9657% | 5,210 |
| Equity capital to assets | 10.3892% | 3,430 |
| Core capital (leverage) ratio | 10.5240% | 3,026 |
| Tier 1 risk-based capital ratio | 11.6128% | 4,682 |
| Total risk-based capital ratio | 12.8640% | 4,562 |
| Memoranda: | ||
| Average total assets | $268,711,000 | 2,381 |
| Average earning assets | $251,600,000 | 2,366 |
| Average equity | $28,329,500 | 2,498 |
| Average total loans | $210,246,000 | 2,133 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2847% | 599 |
| Cost of funding earning assets | 1.4793% | 94 |
| Net interest margin | 3.8054% | 2,644 |
| Noninterest income to average assets | -0.0682% | 5,369 |
| Noninterest expense to average assets | 1.6858% | 5,108 |
| Loan and lease loss provision to assets | 0.0457% | 3,274 |
| Net operating income to assets | 1.4677% | 1,211 |
| Return on assets (ROA) | 1.4680% | 1,199 |
| Pretax return on assets | 1.7597% | 1,027 |
| Return on Equity (ROE) | 13.2081% | 1,267 |
| Retained earnings to average equity (ytd only) | 2.5560% | 4,124 |
| Net charge-offs to loans | 0.0482% | 2,467 |
| Credit loss provision to net charge-offs | 121.2121% | 2,147 |
| Earnings coverage of net charge-offs (x) | 47.8788% | 1,165 |
| Efficiency ratio | 48.2928% | 5,031 |
| Assets per employee ($millions) | 7.2489% | 882 |
| Cash dividends to net income (ytd only)* | 80.6485% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 1,149 |
| Loan loss allowance to noncurrent loans | 102.4833% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.3978% | 879 |
| Noncurrent loans to loans | 1.5123% | 1,006 |
| Net loans and leases to total assets | 76.2362% | 1,569 |
| Net loans and leases to deposits | 112.0485% | 210 |
| Net loans and leases to core deposits | 142.4509% | 175 |
| Total domestic deposits to total assets | 68.0386% | 5,206 |
| Equity capital to assets | 10.6968% | 2,989 |
| Core capital (leverage) ratio | 11.0077% | 2,520 |
| Tier 1 risk-based capital ratio | 12.3433% | 4,214 |
| Total risk-based capital ratio | 13.5946% | 4,096 |
| Memoranda: | ||
| Average total assets | $262,605,600 | 2,380 |
| Average earning assets | $245,595,400 | 2,373 |
| Average equity | $29,186,600 | 2,383 |
| Average total loans | $205,491,600 | 2,135 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2144% | 613 |
| Cost of funding earning assets | 1.4149% | 93 |
| Net interest margin | 3.7996% | 2,645 |
| Noninterest income to average assets | 0.2440% | 4,516 |
| Noninterest expense to average assets | 1.6492% | 5,174 |
| Loan and lease loss provision to assets | 0.0459% | 3,067 |
| Net operating income to assets | 1.7566% | 654 |
| Return on assets (ROA) | 1.7575% | 655 |
| Pretax return on assets | 2.1194% | 463 |
| Return on Equity (ROE) | 15.6617% | 754 |
| Retained earnings to average equity (ytd only) | 8.3426% | 1,496 |
| Net charge-offs to loans | 0.0657% | 1,890 |
| Credit loss provision to net charge-offs | 89.1089% | 2,433 |
| Earnings coverage of net charge-offs (x) | 41.9812% | 1,315 |
| Efficiency ratio | 43.2472% | 5,242 |
| Assets per employee ($millions) | 7.8029% | 693 |
| Cash dividends to net income (ytd only)* | 46.7325% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 1,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1052% | 1,299 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 74.6285% | 1,883 |
| Net loans and leases to deposits | 107.0524% | 395 |
| Net loans and leases to core deposits | 131.3937% | 306 |
| Total domestic deposits to total assets | 69.7122% | 5,226 |
| Equity capital to assets | 11.1230% | 2,542 |
| Core capital (leverage) ratio | 11.7302% | 1,984 |
| Tier 1 risk-based capital ratio | 13.1238% | 3,836 |
| Total risk-based capital ratio | 14.3751% | 3,742 |
| Memoranda: | ||
| Average total assets | $261,204,250 | 2,403 |
| Average earning assets | $245,389,250 | 2,383 |
| Average equity | $29,310,750 | 2,382 |
| Average total loans | $204,941,250 | 2,150 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1614% | 596 |
| Cost of funding earning assets | 1.3641% | 84 |
| Net interest margin | 3.7974% | 2,572 |
| Noninterest income to average assets | 0.2632% | 4,429 |
| Noninterest expense to average assets | 1.6187% | 5,253 |
| Loan and lease loss provision to assets | 0.0462% | 2,980 |
| Net operating income to assets | 1.8150% | 561 |
| Return on assets (ROA) | 1.8150% | 566 |
| Pretax return on assets | 2.1875% | 396 |
| Return on Equity (ROE) | 16.1260% | 645 |
| Retained earnings to average equity (ytd only) | 15.3806% | 181 |
| Net charge-offs to loans | 0.0970% | 1,384 |
| Credit loss provision to net charge-offs | 60.0000% | 2,427 |
| Earnings coverage of net charge-offs (x) | 29.0200% | 1,539 |
| Efficiency ratio | 42.0180% | 5,346 |
| Assets per employee ($millions) | 7.7466% | 693 |
| Cash dividends to net income (ytd only)* | 4.6226% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 1,153 |
| Loan loss allowance to noncurrent loans | 3,548.3146% | 212 |
| Noncurrent assets plus other real estate owned to assets | 1.3061% | 1,085 |
| Noncurrent loans to loans | 0.0446% | 4,719 |
| Net loans and leases to total assets | 76.7487% | 1,518 |
| Net loans and leases to deposits | 113.0036% | 214 |
| Net loans and leases to core deposits | 136.6329% | 229 |
| Total domestic deposits to total assets | 67.9170% | 5,339 |
| Equity capital to assets | 11.8293% | 1,973 |
| Core capital (leverage) ratio | 11.8465% | 1,807 |
| Tier 1 risk-based capital ratio | 13.4669% | 3,635 |
| Total risk-based capital ratio | 14.7182% | 3,551 |
| Memoranda: | ||
| Average total assets | $259,839,670 | 2,424 |
| Average earning assets | $245,591,330 | 2,392 |
| Average equity | $29,244,670 | 2,396 |
| Average total loans | $206,196,670 | 2,139 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0090% | 688 |
| Cost of funding earning assets | 1.3054% | 80 |
| Net interest margin | 3.7036% | 2,782 |
| Noninterest income to average assets | 0.1909% | 4,880 |
| Noninterest expense to average assets | 1.6263% | 5,312 |
| Loan and lease loss provision to assets | 0.0458% | 2,850 |
| Net operating income to assets | 1.6706% | 729 |
| Return on assets (ROA) | 1.6706% | 733 |
| Pretax return on assets | 2.0325% | 537 |
| Return on Equity (ROE) | 15.2225% | 768 |
| Retained earnings to average equity (ytd only) | 15.0972% | 321 |
| Net charge-offs to loans | -0.0153% | 4,426 |
| Credit loss provision to net charge-offs | -375.0000% | 3,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8994% | 5,348 |
| Assets per employee ($millions) | 8.4260% | 540 |
| Cash dividends to net income (ytd only)* | 0.8227% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 1,295 |
| Loan loss allowance to noncurrent loans | 82.4669% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.5023% | 924 |
| Noncurrent loans to loans | 1.8762% | 875 |
| Net loans and leases to total assets | 78.8324% | 1,109 |
| Net loans and leases to deposits | 121.5454% | 99 |
| Net loans and leases to core deposits | 150.3874% | 125 |
| Total domestic deposits to total assets | 64.8584% | 5,478 |
| Equity capital to assets | 11.1425% | 2,439 |
| Core capital (leverage) ratio | 11.3962% | 2,091 |
| Tier 1 risk-based capital ratio | 12.6060% | 4,171 |
| Total risk-based capital ratio | 13.8573% | 4,076 |
| Memoranda: | ||
| Average total assets | $261,941,000 | 2,430 |
| Average earning assets | $248,515,000 | 2,392 |
| Average equity | $28,747,000 | 2,450 |
| Average total loans | $209,617,000 | 2,119 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 837 |
| Cost of funding earning assets | 1.2334% | 62 |
| Net interest margin | 3.6451% | 3,002 |
| Noninterest income to average assets | 0.1485% | 5,208 |
| Noninterest expense to average assets | 1.5676% | 5,438 |
| Loan and lease loss provision to assets | 0.2955% | 584 |
| Net operating income to assets | 1.2000% | 1,524 |
| Return on assets (ROA) | 1.2030% | 1,543 |
| Pretax return on assets | 1.7327% | 931 |
| Return on Equity (ROE) | 12.0843% | 1,186 |
| Retained earnings to average equity (ytd only) | 11.2383% | 225 |
| Net charge-offs to loans | 0.1782% | 1,403 |
| Credit loss provision to net charge-offs | 205.6555% | 1,329 |
| Earnings coverage of net charge-offs (x) | 14.0848% | 2,354 |
| Efficiency ratio | 43.6491% | 5,463 |
| Assets per employee ($millions) | 7.9599% | 646 |
| Cash dividends to net income (ytd only)* | 7.0003% | 4,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,332 |
| Loan loss allowance to noncurrent loans | 159.1045% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7652% | 2,042 |
| Noncurrent loans to loans | 0.9568% | 1,849 |
| Net loans and leases to total assets | 78.7605% | 1,170 |
| Net loans and leases to deposits | 115.7871% | 155 |
| Net loans and leases to core deposits | 141.7992% | 192 |
| Total domestic deposits to total assets | 68.0218% | 5,476 |
| Equity capital to assets | 10.8076% | 2,827 |
| Core capital (leverage) ratio | 10.7197% | 2,624 |
| Tier 1 risk-based capital ratio | 12.1065% | 4,459 |
| Total risk-based capital ratio | 13.3576% | 4,352 |
| Memoranda: | ||
| Average total assets | $270,732,000 | 2,346 |
| Average earning assets | $255,711,400 | 2,316 |
| Average equity | $26,952,400 | 2,550 |
| Average total loans | $218,344,400 | 2,012 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8414% | 855 |
| Cost of funding earning assets | 1.2069% | 65 |
| Net interest margin | 3.6345% | 3,019 |
| Noninterest income to average assets | 0.1408% | 5,304 |
| Noninterest expense to average assets | 1.5623% | 5,480 |
| Loan and lease loss provision to assets | 0.2811% | 578 |
| Net operating income to assets | 1.1790% | 1,779 |
| Return on assets (ROA) | 1.1830% | 1,807 |
| Pretax return on assets | 1.7364% | 1,033 |
| Return on Equity (ROE) | 12.1331% | 1,302 |
| Retained earnings to average equity (ytd only) | 11.1203% | 402 |
| Net charge-offs to loans | 0.0792% | 2,007 |
| Credit loss provision to net charge-offs | 438.9313% | 717 |
| Earnings coverage of net charge-offs (x) | 31.4126% | 1,510 |
| Efficiency ratio | 43.7150% | 5,491 |
| Assets per employee ($millions) | 8.3029% | 563 |
| Cash dividends to net income (ytd only)* | 8.3472% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 1,486 |
| Loan loss allowance to noncurrent loans | 45.0125% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 2.7016% | 359 |
| Noncurrent loans to loans | 3.3637% | 337 |
| Net loans and leases to total assets | 79.1008% | 1,110 |
| Net loans and leases to deposits | 120.4155% | 98 |
| Net loans and leases to core deposits | 148.1597% | 135 |
| Total domestic deposits to total assets | 65.6899% | 5,591 |
| Equity capital to assets | 10.5174% | 3,355 |
| Core capital (leverage) ratio | 10.3537% | 3,136 |
| Tier 1 risk-based capital ratio | 11.5158% | 4,955 |
| Total risk-based capital ratio | 12.7667% | 4,844 |
| Memoranda: | ||
| Average total assets | $272,746,000 | 2,345 |
| Average earning assets | $257,633,750 | 2,311 |
| Average equity | $26,593,250 | 2,586 |
| Average total loans | $220,409,750 | 2,004 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7868% | 882 |
| Cost of funding earning assets | 1.1558% | 72 |
| Net interest margin | 3.6309% | 2,909 |
| Noninterest income to average assets | 0.1316% | 5,390 |
| Noninterest expense to average assets | 1.5340% | 5,542 |
| Loan and lease loss provision to assets | 0.2545% | 655 |
| Net operating income to assets | 1.2192% | 1,539 |
| Return on assets (ROA) | 1.2192% | 1,577 |
| Pretax return on assets | 1.7667% | 910 |
| Return on Equity (ROE) | 12.8294% | 1,082 |
| Retained earnings to average equity (ytd only) | 11.5901% | 360 |
| Net charge-offs to loans | 0.1176% | 1,464 |
| Credit loss provision to net charge-offs | 267.1756% | 1,036 |
| Earnings coverage of net charge-offs (x) | 21.2214% | 1,760 |
| Efficiency ratio | 43.1493% | 5,545 |
| Assets per employee ($millions) | 8.2088% | 567 |
| Cash dividends to net income (ytd only)* | 9.6601% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 2,051 |
| Loan loss allowance to noncurrent loans | 49.6860% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 2.2334% | 529 |
| Noncurrent loans to loans | 2.7727% | 507 |
| Net loans and leases to total assets | 79.4379% | 1,033 |
| Net loans and leases to deposits | 116.0178% | 155 |
| Net loans and leases to core deposits | 140.7241% | 180 |
| Total domestic deposits to total assets | 68.4705% | 5,583 |
| Equity capital to assets | 10.0693% | 3,829 |
| Core capital (leverage) ratio | 9.8287% | 3,742 |
| Tier 1 risk-based capital ratio | 11.0530% | 5,227 |
| Total risk-based capital ratio | 12.2807% | 5,131 |
| Memoranda: | ||
| Average total assets | $275,096,670 | 2,343 |
| Average earning assets | $259,382,000 | 2,303 |
| Average equity | $26,143,000 | 2,620 |
| Average total loans | $222,747,330 | 1,988 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6750% | 981 |
| Cost of funding earning assets | 1.0703% | 113 |
| Net interest margin | 3.6046% | 2,873 |
| Noninterest income to average assets | 0.1183% | 5,518 |
| Noninterest expense to average assets | 1.4921% | 5,636 |
| Loan and lease loss provision to assets | 0.2165% | 739 |
| Net operating income to assets | 1.2121% | 1,479 |
| Return on assets (ROA) | 1.2121% | 1,515 |
| Pretax return on assets | 1.7922% | 816 |
| Return on Equity (ROE) | 13.1373% | 969 |
| Retained earnings to average equity (ytd only) | 10.9947% | 611 |
| Net charge-offs to loans | 0.0124% | 2,562 |
| Credit loss provision to net charge-offs | 2,142.8571% | 157 |
| Earnings coverage of net charge-offs (x) | 198.8571% | 283 |
| Efficiency ratio | 42.6216% | 5,635 |
| Assets per employee ($millions) | 8.1270% | 586 |
| Cash dividends to net income (ytd only)* | 16.3095% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,448 |
| Loan loss allowance to noncurrent loans | 28.8812% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 3.6715% | 224 |
| Noncurrent loans to loans | 4.5625% | 194 |
| Net loans and leases to total assets | 79.4113% | 916 |
| Net loans and leases to deposits | 121.8903% | 77 |
| Net loans and leases to core deposits | 145.8665% | 126 |
| Total domestic deposits to total assets | 65.1498% | 5,725 |
| Equity capital to assets | 9.3975% | 4,393 |
| Core capital (leverage) ratio | 9.7008% | 3,873 |
| Tier 1 risk-based capital ratio | 10.4030% | 5,587 |
| Total risk-based capital ratio | 11.5641% | 5,554 |
| Memoranda: | ||
| Average total assets | $277,199,000 | 2,347 |
| Average earning assets | $260,108,500 | 2,315 |
| Average equity | $25,576,000 | 2,677 |
| Average total loans | $225,022,500 | 1,987 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7444% | 974 |
| Cost of funding earning assets | 1.0278% | 146 |
| Net interest margin | 3.7166% | 2,619 |
| Noninterest income to average assets | 0.1277% | 5,548 |
| Noninterest expense to average assets | 1.5048% | 5,716 |
| Loan and lease loss provision to assets | 0.4027% | 384 |
| Net operating income to assets | 1.1309% | 1,768 |
| Return on assets (ROA) | 1.1309% | 1,863 |
| Pretax return on assets | 1.7219% | 944 |
| Return on Equity (ROE) | 11.8623% | 1,285 |
| Retained earnings to average equity (ytd only) | 8.2702% | 765 |
| Net charge-offs to loans | 0.1605% | 1,679 |
| Credit loss provision to net charge-offs | 303.4682% | 974 |
| Earnings coverage of net charge-offs (x) | 16.0116% | 2,146 |
| Efficiency ratio | 41.4624% | 5,762 |
| Assets per employee ($millions) | 8.1789% | 559 |
| Cash dividends to net income (ytd only)* | 30.2815% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,977 |
| Loan loss allowance to noncurrent loans | 67.6699% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.4816% | 1,138 |
| Noncurrent loans to loans | 1.8095% | 1,047 |
| Net loans and leases to total assets | 80.8757% | 760 |
| Net loans and leases to deposits | 123.7809% | 61 |
| Net loans and leases to core deposits | 149.2072% | 117 |
| Total domestic deposits to total assets | 65.3378% | 5,769 |
| Equity capital to assets | 9.0567% | 4,755 |
| Core capital (leverage) ratio | 9.5713% | 4,004 |
| Tier 1 risk-based capital ratio | 10.0982% | 5,712 |
| Total risk-based capital ratio | 11.2002% | 5,713 |
| Memoranda: | ||
| Average total assets | $260,757,200 | 2,437 |
| Average earning assets | $245,681,600 | 2,391 |
| Average equity | $24,860,200 | 2,735 |
| Average total loans | $215,637,800 | 2,005 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8163% | 868 |
| Cost of funding earning assets | 1.0218% | 152 |
| Net interest margin | 3.7945% | 2,352 |
| Noninterest income to average assets | 0.1341% | 5,580 |
| Noninterest expense to average assets | 1.5157% | 5,747 |
| Loan and lease loss provision to assets | 0.2340% | 838 |
| Net operating income to assets | 1.3092% | 1,263 |
| Return on assets (ROA) | 1.3092% | 1,355 |
| Pretax return on assets | 1.9701% | 616 |
| Return on Equity (ROE) | 13.5488% | 909 |
| Retained earnings to average equity (ytd only) | 10.6162% | 471 |
| Net charge-offs to loans | -0.0100% | 4,769 |
| Credit loss provision to net charge-offs | -2,812.5000% | 5,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7464% | 5,816 |
| Assets per employee ($millions) | 8.3255% | 515 |
| Cash dividends to net income (ytd only)* | 21.6442% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 3,484 |
| Loan loss allowance to noncurrent loans | 300.5896% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 4,136 |
| Noncurrent loans to loans | 0.3861% | 3,873 |
| Net loans and leases to total assets | 81.4880% | 685 |
| Net loans and leases to deposits | 128.6347% | 48 |
| Net loans and leases to core deposits | 156.9364% | 100 |
| Total domestic deposits to total assets | 63.3484% | 5,856 |
| Equity capital to assets | 9.6822% | 4,482 |
| Core capital (leverage) ratio | 9.8254% | 3,782 |
| Tier 1 risk-based capital ratio | 10.4586% | 5,634 |
| Total risk-based capital ratio | 11.5055% | 5,653 |
| Memoranda: | ||
| Average total assets | $256,426,250 | 2,463 |
| Average earning assets | $242,308,000 | 2,427 |
| Average equity | $24,779,000 | 2,763 |
| Average total loans | $212,625,250 | 2,032 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 881 |
| Cost of funding earning assets | 1.0126% | 160 |
| Net interest margin | 3.7888% | 2,370 |
| Noninterest income to average assets | 0.1478% | 5,561 |
| Noninterest expense to average assets | 1.5220% | 5,823 |
| Loan and lease loss provision to assets | 0.2371% | 841 |
| Net operating income to assets | 1.3086% | 1,249 |
| Return on assets (ROA) | 1.3086% | 1,347 |
| Pretax return on assets | 1.9724% | 600 |
| Return on Equity (ROE) | 13.5514% | 918 |
| Retained earnings to average equity (ytd only) | 10.7855% | 467 |
| Net charge-offs to loans | -0.0010% | 4,316 |
| Credit loss provision to net charge-offs | -30,000.0000% | 5,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7878% | 5,893 |
| Assets per employee ($millions) | 8.6141% | 457 |
| Cash dividends to net income (ytd only)* | 20.4106% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 3,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 81.8094% | 646 |
| Net loans and leases to deposits | 123.8859% | 76 |
| Net loans and leases to core deposits | 152.1135% | 112 |
| Total domestic deposits to total assets | 66.0360% | 5,886 |
| Equity capital to assets | 9.7623% | 4,497 |
| Core capital (leverage) ratio | 9.7599% | 3,856 |
| Tier 1 risk-based capital ratio | 10.5043% | 5,669 |
| Total risk-based capital ratio | 11.5137% | 5,695 |
| Memoranda: | ||
| Average total assets | $253,096,000 | 2,505 |
| Average earning assets | $239,391,000 | 2,460 |
| Average equity | $24,440,330 | 2,797 |
| Average total loans | $210,284,670 | 2,049 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7771% | 895 |
| Cost of funding earning assets | 1.0017% | 168 |
| Net interest margin | 3.7754% | 2,386 |
| Noninterest income to average assets | 0.1262% | 5,710 |
| Noninterest expense to average assets | 1.5381% | 5,875 |
| Loan and lease loss provision to assets | 0.2396% | 754 |
| Net operating income to assets | 1.2714% | 1,331 |
| Return on assets (ROA) | 1.2714% | 1,430 |
| Pretax return on assets | 1.9183% | 663 |
| Return on Equity (ROE) | 13.2410% | 984 |
| Retained earnings to average equity (ytd only) | 10.8789% | 669 |
| Net charge-offs to loans | -0.0019% | 4,116 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6162% | 5,931 |
| Assets per employee ($millions) | 7.8885% | 589 |
| Cash dividends to net income (ytd only)* | 17.8392% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 4,244 |
| Loan loss allowance to noncurrent loans | 625.7703% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 5,011 |
| Noncurrent loans to loans | 0.1706% | 4,804 |
| Net loans and leases to total assets | 82.0325% | 554 |
| Net loans and leases to deposits | 128.7616% | 42 |
| Net loans and leases to core deposits | 159.1284% | 85 |
| Total domestic deposits to total assets | 63.7088% | 6,004 |
| Equity capital to assets | 9.6612% | 4,489 |
| Core capital (leverage) ratio | 9.7917% | 3,790 |
| Tier 1 risk-based capital ratio | 10.4549% | 5,770 |
| Total risk-based capital ratio | 11.4222% | 5,799 |
| Memoranda: | ||
| Average total assets | $250,432,000 | 2,538 |
| Average earning assets | $236,797,000 | 2,495 |
| Average equity | $24,046,500 | 2,832 |
| Average total loans | $208,527,500 | 2,066 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8788% | 804 |
| Cost of funding earning assets | 0.8436% | 387 |
| Net interest margin | 4.0352% | 1,605 |
| Noninterest income to average assets | 0.1265% | 5,780 |
| Noninterest expense to average assets | 1.5567% | 5,948 |
| Loan and lease loss provision to assets | 0.1737% | 1,314 |
| Net operating income to assets | 1.4897% | 883 |
| Return on assets (ROA) | 1.4958% | 907 |
| Pretax return on assets | 2.2074% | 343 |
| Return on Equity (ROE) | 15.5547% | 604 |
| Retained earnings to average equity (ytd only) | 12.8203% | 215 |
| Net charge-offs to loans | -0.0005% | 4,819 |
| Credit loss provision to net charge-offs | -40,500.0000% | 5,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6222% | 6,071 |
| Assets per employee ($millions) | 7.5282% | 685 |
| Cash dividends to net income (ytd only)* | 17.5796% | 3,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 4,589 |
| Loan loss allowance to noncurrent loans | 290.2507% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 4,432 |
| Noncurrent loans to loans | 0.3456% | 4,230 |
| Net loans and leases to total assets | 82.7835% | 512 |
| Net loans and leases to deposits | 128.1994% | 54 |
| Net loans and leases to core deposits | 157.1687% | 84 |
| Total domestic deposits to total assets | 64.5741% | 6,041 |
| Equity capital to assets | 9.5419% | 4,499 |
| Core capital (leverage) ratio | 9.6661% | 3,954 |
| Tier 1 risk-based capital ratio | 10.2435% | 5,883 |
| Total risk-based capital ratio | 11.1522% | 5,934 |
| Memoranda: | ||
| Average total assets | $233,121,200 | 2,634 |
| Average earning assets | $219,665,400 | 2,589 |
| Average equity | $22,417,600 | 2,925 |
| Average total loans | $197,234,800 | 2,098 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 811 |
| Cost of funding earning assets | 0.8185% | 443 |
| Net interest margin | 4.0561% | 1,541 |
| Noninterest income to average assets | 0.1239% | 5,852 |
| Noninterest expense to average assets | 1.5636% | 5,999 |
| Loan and lease loss provision to assets | 0.1483% | 1,473 |
| Net operating income to assets | 1.5058% | 914 |
| Return on assets (ROA) | 1.5136% | 934 |
| Pretax return on assets | 2.2445% | 374 |
| Return on Equity (ROE) | 15.7070% | 635 |
| Retained earnings to average equity (ytd only) | 15.0433% | 164 |
| Net charge-offs to loans | -0.0007% | 4,656 |
| Credit loss provision to net charge-offs | -25,500.0000% | 5,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6374% | 6,138 |
| Assets per employee ($millions) | 7.2712% | 768 |
| Cash dividends to net income (ytd only)* | 4.2258% | 3,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 4,961 |
| Loan loss allowance to noncurrent loans | 193,300.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 5,836 |
| Noncurrent loans to loans | 0.0005% | 5,681 |
| Net loans and leases to total assets | 83.6162% | 413 |
| Net loans and leases to deposits | 133.5308% | 31 |
| Net loans and leases to core deposits | 168.5368% | 62 |
| Total domestic deposits to total assets | 62.6195% | 6,154 |
| Equity capital to assets | 9.6970% | 4,523 |
| Core capital (leverage) ratio | 10.0135% | 3,607 |
| Tier 1 risk-based capital ratio | 10.3191% | 5,944 |
| Total risk-based capital ratio | 11.1823% | 6,021 |
| Memoranda: | ||
| Average total assets | $229,293,750 | 2,688 |
| Average earning assets | $215,995,750 | 2,640 |
| Average equity | $22,095,750 | 2,977 |
| Average total loans | $194,607,500 | 2,137 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8901% | 749 |
| Cost of funding earning assets | 0.8144% | 457 |
| Net interest margin | 4.0757% | 1,423 |
| Noninterest income to average assets | 0.1249% | 5,925 |
| Noninterest expense to average assets | 1.5407% | 6,090 |
| Loan and lease loss provision to assets | 0.1329% | 1,650 |
| Net operating income to assets | 1.5415% | 840 |
| Return on assets (ROA) | 1.5540% | 856 |
| Pretax return on assets | 2.3097% | 335 |
| Return on Equity (ROE) | 16.1622% | 597 |
| Retained earnings to average equity (ytd only) | 15.6093% | 165 |
| Net charge-offs to loans | -0.0010% | 4,555 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8603% | 6,226 |
| Assets per employee ($millions) | 7.1019% | 801 |
| Cash dividends to net income (ytd only)* | 3.4208% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 5,106 |
| Loan loss allowance to noncurrent loans | 621.7687% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 5,338 |
| Noncurrent loans to loans | 0.1523% | 5,141 |
| Net loans and leases to total assets | 84.1318% | 364 |
| Net loans and leases to deposits | 130.7015% | 39 |
| Net loans and leases to core deposits | 162.8284% | 73 |
| Total domestic deposits to total assets | 64.3694% | 6,199 |
| Equity capital to assets | 9.8772% | 4,180 |
| Core capital (leverage) ratio | 9.9565% | 3,670 |
| Tier 1 risk-based capital ratio | 10.4379% | 5,947 |
| Total risk-based capital ratio | 11.2932% | 6,024 |
| Memoranda: | ||
| Average total assets | $225,741,330 | 2,742 |
| Average earning assets | $212,675,670 | 2,683 |
| Average equity | $21,705,000 | 3,032 |
| Average total loans | $191,953,000 | 2,162 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 740 |
| Cost of funding earning assets | 0.8035% | 489 |
| Net interest margin | 4.0722% | 1,351 |
| Noninterest income to average assets | 0.1049% | 6,059 |
| Noninterest expense to average assets | 1.5343% | 6,159 |
| Loan and lease loss provision to assets | 0.1333% | 1,551 |
| Net operating income to assets | 1.5253% | 806 |
| Return on assets (ROA) | 1.5503% | 818 |
| Pretax return on assets | 2.3042% | 324 |
| Return on Equity (ROE) | 16.3495% | 531 |
| Retained earnings to average equity (ytd only) | 16.1620% | 211 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9968% | 6,283 |
| Assets per employee ($millions) | 7.1421% | 809 |
| Cash dividends to net income (ytd only)* | 1.1468% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 5,352 |
| Loan loss allowance to noncurrent loans | 576.6447% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 5,405 |
| Noncurrent loans to loans | 0.1604% | 5,199 |
| Net loans and leases to total assets | 84.8048% | 263 |
| Net loans and leases to deposits | 130.3251% | 32 |
| Net loans and leases to core deposits | 160.1778% | 77 |
| Total domestic deposits to total assets | 65.0717% | 6,258 |
| Equity capital to assets | 9.8268% | 4,353 |
| Core capital (leverage) ratio | 9.5956% | 4,156 |
| Tier 1 risk-based capital ratio | 10.3135% | 6,071 |
| Total risk-based capital ratio | 11.1552% | 6,154 |
| Memoranda: | ||
| Average total assets | $224,982,000 | 2,765 |
| Average earning assets | $211,579,000 | 2,714 |
| Average equity | $21,334,000 | 3,093 |
| Average total loans | $191,416,500 | 2,170 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0911% | 648 |
| Cost of funding earning assets | 0.8167% | 595 |
| Net interest margin | 4.2744% | 1,104 |
| Noninterest income to average assets | 0.1001% | 6,156 |
| Noninterest expense to average assets | 1.6852% | 6,169 |
| Loan and lease loss provision to assets | 0.0500% | 3,561 |
| Net operating income to assets | 1.6675% | 615 |
| Return on assets (ROA) | 1.6675% | 641 |
| Pretax return on assets | 2.3693% | 241 |
| Return on Equity (ROE) | 18.9940% | 317 |
| Retained earnings to average equity (ytd only) | 14.0667% | 173 |
| Net charge-offs to loans | 0.0058% | 4,817 |
| Credit loss provision to net charge-offs | 1,020.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 493.3000% | 104 |
| Efficiency ratio | 41.0563% | 6,379 |
| Assets per employee ($millions) | 7.1425% | 784 |
| Cash dividends to net income (ytd only)* | 25.9412% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8675% | 5,576 |
| Loan loss allowance to noncurrent loans | 527.3585% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 5,477 |
| Noncurrent loans to loans | 0.1645% | 5,240 |
| Net loans and leases to total assets | 83.8475% | 351 |
| Net loans and leases to deposits | 127.0989% | 56 |
| Net loans and leases to core deposits | 167.2508% | 68 |
| Total domestic deposits to total assets | 65.9703% | 6,324 |
| Equity capital to assets | 9.1491% | 5,129 |
| Core capital (leverage) ratio | 9.5199% | 4,217 |
| Tier 1 risk-based capital ratio | 9.8930% | 6,283 |
| Total risk-based capital ratio | 10.6977% | 6,338 |
| Memoranda: | ||
| Average total assets | $203,897,800 | 2,948 |
| Average earning assets | $191,021,000 | 2,896 |
| Average equity | $17,900,400 | 3,412 |
| Average total loans | $171,351,400 | 2,313 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1675% | 555 |
| Cost of funding earning assets | 0.8376% | 567 |
| Net interest margin | 4.3299% | 988 |
| Noninterest income to average assets | 0.0958% | 6,262 |
| Noninterest expense to average assets | 1.7626% | 6,139 |
| Loan and lease loss provision to assets | 0.0486% | 3,406 |
| Net operating income to assets | 1.6041% | 747 |
| Return on assets (ROA) | 1.6041% | 778 |
| Pretax return on assets | 2.3418% | 288 |
| Return on Equity (ROE) | 18.4976% | 397 |
| Retained earnings to average equity (ytd only) | 11.6397% | 440 |
| Net charge-offs to loans | 0.0072% | 4,459 |
| Credit loss provision to net charge-offs | 800.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 393.8792% | 185 |
| Efficiency ratio | 42.4420% | 6,407 |
| Assets per employee ($millions) | 6.4552% | 1,047 |
| Cash dividends to net income (ytd only)* | 37.0744% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 5,417 |
| Loan loss allowance to noncurrent loans | 474.6398% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 5,521 |
| Noncurrent loans to loans | 0.2006% | 5,300 |
| Net loans and leases to total assets | 82.9269% | 416 |
| Net loans and leases to deposits | 127.1993% | 54 |
| Net loans and leases to core deposits | 170.6716% | 63 |
| Total domestic deposits to total assets | 65.1945% | 6,417 |
| Equity capital to assets | 8.6864% | 5,651 |
| Core capital (leverage) ratio | 8.2709% | 5,866 |
| Tier 1 risk-based capital ratio | 9.3529% | 6,455 |
| Total risk-based capital ratio | 10.2224% | 6,477 |
| Memoranda: | ||
| Average total assets | $197,732,500 | 3,044 |
| Average earning assets | $185,281,750 | 2,994 |
| Average equity | $17,147,750 | 3,524 |
| Average total loans | $165,859,750 | 2,385 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1437% | 565 |
| Cost of funding earning assets | 0.8576% | 539 |
| Net interest margin | 4.2860% | 1,050 |
| Noninterest income to average assets | 0.1016% | 6,278 |
| Noninterest expense to average assets | 1.7475% | 6,215 |
| Loan and lease loss provision to assets | 0.0431% | 3,453 |
| Net operating income to assets | 1.5935% | 710 |
| Return on assets (ROA) | 1.5935% | 743 |
| Pretax return on assets | 2.3235% | 287 |
| Return on Equity (ROE) | 18.3857% | 424 |
| Retained earnings to average equity (ytd only) | 13.3154% | 308 |
| Net charge-offs to loans | 0.0037% | 4,260 |
| Credit loss provision to net charge-offs | 1,400.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 768.3333% | 86 |
| Efficiency ratio | 42.4757% | 6,468 |
| Assets per employee ($millions) | 6.2248% | 1,153 |
| Cash dividends to net income (ytd only)* | 27.5773% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 5,462 |
| Loan loss allowance to noncurrent loans | 454.9020% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 5,600 |
| Noncurrent loans to loans | 0.2141% | 5,370 |
| Net loans and leases to total assets | 82.8790% | 385 |
| Net loans and leases to deposits | 126.3547% | 51 |
| Net loans and leases to core deposits | 165.5436% | 64 |
| Total domestic deposits to total assets | 65.5923% | 6,487 |
| Equity capital to assets | 8.8000% | 5,523 |
| Core capital (leverage) ratio | 8.6454% | 5,474 |
| Tier 1 risk-based capital ratio | 9.5858% | 6,482 |
| Total risk-based capital ratio | 10.4835% | 6,509 |
| Memoranda: | ||
| Average total assets | $194,788,330 | 3,092 |
| Average earning assets | $182,360,670 | 3,048 |
| Average equity | $16,882,670 | 3,556 |
| Average total loans | $163,498,000 | 2,412 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1345% | 557 |
| Cost of funding earning assets | 0.8624% | 554 |
| Net interest margin | 4.2721% | 1,058 |
| Noninterest income to average assets | 0.1038% | 6,318 |
| Noninterest expense to average assets | 1.7301% | 6,308 |
| Loan and lease loss provision to assets | 0.0249% | 3,509 |
| Net operating income to assets | 1.6055% | 663 |
| Return on assets (ROA) | 1.6055% | 691 |
| Pretax return on assets | 2.3408% | 289 |
| Return on Equity (ROE) | 18.6721% | 386 |
| Retained earnings to average equity (ytd only) | 18.3822% | 165 |
| Net charge-offs to loans | 0.0049% | 3,563 |
| Credit loss provision to net charge-offs | 600.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 569.5000% | 63 |
| Efficiency ratio | 42.2414% | 6,542 |
| Assets per employee ($millions) | 6.2571% | 1,148 |
| Cash dividends to net income (ytd only)* | 1.5524% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 5,622 |
| Loan loss allowance to noncurrent loans | 474.7024% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 5,716 |
| Noncurrent loans to loans | 0.2051% | 5,479 |
| Net loans and leases to total assets | 83.6418% | 249 |
| Net loans and leases to deposits | 120.7349% | 71 |
| Net loans and leases to core deposits | 147.0298% | 104 |
| Total domestic deposits to total assets | 69.2772% | 6,471 |
| Equity capital to assets | 8.7617% | 5,376 |
| Core capital (leverage) ratio | 8.6654% | 5,435 |
| Tier 1 risk-based capital ratio | 9.6443% | 6,532 |
| Total risk-based capital ratio | 10.5502% | 6,567 |
| Memoranda: | ||
| Average total assets | $192,585,500 | 3,130 |
| Average earning assets | $179,957,500 | 3,101 |
| Average equity | $16,559,500 | 3,609 |
| Average total loans | $161,890,000 | 2,436 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2564% | 572 |
| Cost of funding earning assets | 0.8954% | 756 |
| Net interest margin | 4.3610% | 972 |
| Noninterest income to average assets | 0.0970% | 6,396 |
| Noninterest expense to average assets | 1.7239% | 6,415 |
| Loan and lease loss provision to assets | 0.1261% | 2,735 |
| Net operating income to assets | 1.6881% | 592 |
| Return on assets (ROA) | 1.6881% | 602 |
| Pretax return on assets | 2.3169% | 260 |
| Return on Equity (ROE) | 20.0202% | 275 |
| Retained earnings to average equity (ytd only) | 17.0291% | 122 |
| Net charge-offs to loans | 0.3322% | 2,015 |
| Credit loss provision to net charge-offs | 45.2716% | 3,932 |
| Earnings coverage of net charge-offs (x) | 8.7706% | 2,611 |
| Efficiency ratio | 41.3719% | 6,668 |
| Assets per employee ($millions) | 6.1678% | 1,164 |
| Cash dividends to net income (ytd only)* | 14.9402% | 3,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 5,616 |
| Loan loss allowance to noncurrent loans | 523.1023% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 5,844 |
| Noncurrent loans to loans | 0.1894% | 5,628 |
| Net loans and leases to total assets | 82.8238% | 338 |
| Net loans and leases to deposits | 121.9148% | 61 |
| Net loans and leases to core deposits | 165.6763% | 62 |
| Total domestic deposits to total assets | 67.9358% | 6,588 |
| Equity capital to assets | 8.4330% | 5,655 |
| Core capital (leverage) ratio | 8.4078% | 5,769 |
| Tier 1 risk-based capital ratio | 9.2907% | 6,632 |
| Total risk-based capital ratio | 10.1987% | 6,655 |
| Memoranda: | ||
| Average total assets | $178,429,600 | 3,286 |
| Average earning assets | $166,520,200 | 3,262 |
| Average equity | $15,044,800 | 3,865 |
| Average total loans | $149,614,000 | 2,563 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2314% | 607 |
| Cost of funding earning assets | 0.9139% | 763 |
| Net interest margin | 4.3174% | 1,057 |
| Noninterest income to average assets | 0.0943% | 6,494 |
| Noninterest expense to average assets | 1.7774% | 6,376 |
| Loan and lease loss provision to assets | 0.1255% | 2,726 |
| Net operating income to assets | 1.6229% | 716 |
| Return on assets (ROA) | 1.6229% | 758 |
| Pretax return on assets | 2.2278% | 362 |
| Return on Equity (ROE) | 19.2483% | 355 |
| Retained earnings to average equity (ytd only) | 18.7970% | 93 |
| Net charge-offs to loans | 0.4507% | 1,424 |
| Credit loss provision to net charge-offs | 33.1992% | 3,837 |
| Earnings coverage of net charge-offs (x) | 6.2233% | 3,011 |
| Efficiency ratio | 43.0282% | 6,682 |
| Assets per employee ($millions) | 6.1196% | 1,158 |
| Cash dividends to net income (ytd only)* | 2.3443% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 5,792 |
| Loan loss allowance to noncurrent loans | 165.5809% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 4,942 |
| Noncurrent loans to loans | 0.5937% | 4,716 |
| Net loans and leases to total assets | 83.6672% | 266 |
| Net loans and leases to deposits | 130.6503% | 35 |
| Net loans and leases to core deposits | 170.0220% | 53 |
| Total domestic deposits to total assets | 64.0390% | 6,752 |
| Equity capital to assets | 8.4679% | 5,770 |
| Core capital (leverage) ratio | 8.4108% | 5,848 |
| Tier 1 risk-based capital ratio | 9.5775% | 6,674 |
| Total risk-based capital ratio | 10.5087% | 6,696 |
| Memoranda: | ||
| Average total assets | $175,236,750 | 3,358 |
| Average earning assets | $163,828,000 | 3,322 |
| Average equity | $14,775,000 | 3,958 |
| Average total loans | $147,031,250 | 2,616 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2390% | 590 |
| Cost of funding earning assets | 0.9425% | 735 |
| Net interest margin | 4.2965% | 1,041 |
| Noninterest income to average assets | 0.0789% | 6,593 |
| Noninterest expense to average assets | 1.7883% | 6,396 |
| Loan and lease loss provision to assets | 0.1218% | 2,799 |
| Net operating income to assets | 1.6654% | 666 |
| Return on assets (ROA) | 1.6654% | 730 |
| Pretax return on assets | 2.1815% | 435 |
| Return on Equity (ROE) | 19.7823% | 317 |
| Retained earnings to average equity (ytd only) | 19.6859% | 93 |
| Net charge-offs to loans | 0.7344% | 884 |
| Credit loss provision to net charge-offs | 19.8113% | 3,737 |
| Earnings coverage of net charge-offs (x) | 3.7472% | 3,314 |
| Efficiency ratio | 43.7075% | 6,716 |
| Assets per employee ($millions) | 5.9348% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.4875% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 5,988 |
| Loan loss allowance to noncurrent loans | 143.1568% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 4,842 |
| Noncurrent loans to loans | 0.6643% | 4,612 |
| Net loans and leases to total assets | 83.8282% | 246 |
| Net loans and leases to deposits | 117.6537% | 78 |
| Net loans and leases to core deposits | 156.1230% | 80 |
| Total domestic deposits to total assets | 71.2500% | 6,606 |
| Equity capital to assets | 8.4181% | 5,854 |
| Core capital (leverage) ratio | 8.4517% | 5,720 |
| Tier 1 risk-based capital ratio | 9.4944% | 6,722 |
| Total risk-based capital ratio | 10.3995% | 6,748 |
| Memoranda: | ||
| Average total assets | $172,453,000 | 3,422 |
| Average earning assets | $161,061,000 | 3,379 |
| Average equity | $14,518,000 | 4,044 |
| Average total loans | $144,332,330 | 2,654 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2555% | 547 |
| Cost of funding earning assets | 0.9873% | 658 |
| Net interest margin | 4.2682% | 1,030 |
| Noninterest income to average assets | 0.0613% | 6,695 |
| Noninterest expense to average assets | 1.8579% | 6,351 |
| Loan and lease loss provision to assets | 0.1061% | 2,918 |
| Net operating income to assets | 1.8272% | 457 |
| Return on assets (ROA) | 1.8272% | 508 |
| Pretax return on assets | 2.0724% | 526 |
| Return on Equity (ROE) | 21.7041% | 212 |
| Retained earnings to average equity (ytd only) | 21.5081% | 106 |
| Net charge-offs to loans | 1.5416% | 347 |
| Credit loss provision to net charge-offs | 8.2721% | 3,164 |
| Earnings coverage of net charge-offs (x) | 1.6985% | 3,265 |
| Efficiency ratio | 46.0280% | 6,692 |
| Assets per employee ($millions) | 5.6892% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.9032% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 6,108 |
| Loan loss allowance to noncurrent loans | 126.4432% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 4,809 |
| Noncurrent loans to loans | 0.7591% | 4,609 |
| Net loans and leases to total assets | 82.0958% | 278 |
| Net loans and leases to deposits | 101.6239% | 294 |
| Net loans and leases to core deposits | 140.4949% | 124 |
| Total domestic deposits to total assets | 80.7839% | 5,552 |
| Equity capital to assets | 8.5707% | 5,942 |
| Core capital (leverage) ratio | 8.1156% | 6,031 |
| Tier 1 risk-based capital ratio | 9.6360% | 6,744 |
| Total risk-based capital ratio | 10.5467% | 6,780 |
| Memoranda: | ||
| Average total assets | $169,657,000 | 3,499 |
| Average earning assets | $158,007,000 | 3,467 |
| Average equity | $14,283,000 | 4,139 |
| Average total loans | $141,156,000 | 2,708 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7998% | 364 |
| Cost of funding earning assets | 1.3218% | 339 |
| Net interest margin | 4.4780% | 983 |
| Noninterest income to average assets | 0.1856% | 6,067 |
| Noninterest expense to average assets | 1.7483% | 6,678 |
| Loan and lease loss provision to assets | 0.1015% | 4,368 |
| Net operating income to assets | 1.6723% | 651 |
| Return on assets (ROA) | 1.6723% | 731 |
| Pretax return on assets | 2.5156% | 249 |
| Return on Equity (ROE) | 18.3281% | 417 |
| Retained earnings to average equity (ytd only) | -6.7852% | 6,518 |
| Net charge-offs to loans | -0.0670% | 6,758 |
| Credit loss provision to net charge-offs | -181.1111% | 6,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0485% | 6,925 |
| Assets per employee ($millions) | 5.8151% | 1,417 |
| Cash dividends to net income (ytd only)* | 137.0205% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 4,532 |
| Loan loss allowance to noncurrent loans | 13,271.4286% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 6,669 |
| Noncurrent loans to loans | 0.0099% | 6,540 |
| Net loans and leases to total assets | 82.4121% | 304 |
| Net loans and leases to deposits | 109.0913% | 170 |
| Net loans and leases to core deposits | 141.1513% | 126 |
| Total domestic deposits to total assets | 75.5442% | 6,406 |
| Equity capital to assets | 8.2650% | 6,227 |
| Core capital (leverage) ratio | 8.0731% | 6,120 |
| Tier 1 risk-based capital ratio | 9.1571% | 6,838 |
| Total risk-based capital ratio | 10.4074% | 6,835 |
| Memoranda: | ||
| Average total assets | $160,555,400 | 3,616 |
| Average earning assets | $149,866,000 | 3,554 |
| Average equity | $14,649,600 | 4,031 |
| Average total loans | $134,364,800 | 2,803 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8592% | 359 |
| Cost of funding earning assets | 1.3815% | 316 |
| Net interest margin | 4.4777% | 1,033 |
| Noninterest income to average assets | 0.2229% | 5,959 |
| Noninterest expense to average assets | 1.7510% | 6,734 |
| Loan and lease loss provision to assets | 0.1270% | 3,960 |
| Net operating income to assets | 1.6862% | 701 |
| Return on assets (ROA) | 1.6862% | 785 |
| Pretax return on assets | 2.5373% | 273 |
| Return on Equity (ROE) | 18.0291% | 499 |
| Retained earnings to average equity (ytd only) | 1.9783% | 5,332 |
| Net charge-offs to loans | -0.0231% | 6,528 |
| Credit loss provision to net charge-offs | -656.5217% | 6,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6571% | 7,020 |
| Assets per employee ($millions) | 6.2949% | 1,069 |
| Cash dividends to net income (ytd only)* | 89.0273% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 4,890 |
| Loan loss allowance to noncurrent loans | 719.8381% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 6,336 |
| Noncurrent loans to loans | 0.1783% | 6,165 |
| Net loans and leases to total assets | 83.5649% | 249 |
| Net loans and leases to deposits | 132.8357% | 41 |
| Net loans and leases to core deposits | 157.7133% | 87 |
| Total domestic deposits to total assets | 62.9084% | 7,034 |
| Equity capital to assets | 9.2016% | 5,592 |
| Core capital (leverage) ratio | 9.0426% | 4,994 |
| Tier 1 risk-based capital ratio | 10.3758% | 6,709 |
| Total risk-based capital ratio | 11.6257% | 6,684 |
| Memoranda: | ||
| Average total assets | $158,534,500 | 3,682 |
| Average earning assets | $148,436,500 | 3,621 |
| Average equity | $14,827,500 | 4,043 |
| Average total loans | $132,746,750 | 2,859 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0683% | 272 |
| Cost of funding earning assets | 1.4604% | 277 |
| Net interest margin | 4.6079% | 815 |
| Noninterest income to average assets | 0.2398% | 5,851 |
| Noninterest expense to average assets | 1.6821% | 6,853 |
| Loan and lease loss provision to assets | 0.1352% | 3,838 |
| Net operating income to assets | 1.8097% | 554 |
| Return on assets (ROA) | 1.8097% | 621 |
| Pretax return on assets | 2.7279% | 213 |
| Return on Equity (ROE) | 19.2407% | 401 |
| Retained earnings to average equity (ytd only) | 3.3763% | 4,358 |
| Net charge-offs to loans | -0.0229% | 6,458 |
| Credit loss provision to net charge-offs | -706.6667% | 6,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0090% | 7,110 |
| Assets per employee ($millions) | 5.7834% | 1,385 |
| Cash dividends to net income (ytd only)* | 82.4524% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 4,839 |
| Loan loss allowance to noncurrent loans | 1,278.5185% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 6,589 |
| Noncurrent loans to loans | 0.1027% | 6,409 |
| Net loans and leases to total assets | 83.0647% | 265 |
| Net loans and leases to deposits | 122.9320% | 61 |
| Net loans and leases to core deposits | 149.3798% | 109 |
| Total domestic deposits to total assets | 67.5696% | 7,011 |
| Equity capital to assets | 9.5797% | 4,937 |
| Core capital (leverage) ratio | 9.5628% | 4,058 |
| Tier 1 risk-based capital ratio | 10.9619% | 6,520 |
| Total risk-based capital ratio | 12.1605% | 6,522 |
| Memoranda: | ||
| Average total assets | $156,823,330 | 3,724 |
| Average earning assets | $146,531,670 | 3,665 |
| Average equity | $14,750,000 | 4,044 |
| Average total loans | $130,813,330 | 2,915 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7834% | 114 |
| Cost of funding earning assets | 1.5132% | 271 |
| Net interest margin | 5.2702% | 268 |
| Noninterest income to average assets | 0.2545% | 5,823 |
| Noninterest expense to average assets | 1.6111% | 6,966 |
| Loan and lease loss provision to assets | 0.1171% | 3,884 |
| Net operating income to assets | 2.2830% | 245 |
| Return on assets (ROA) | 2.2830% | 297 |
| Pretax return on assets | 3.4284% | 125 |
| Return on Equity (ROE) | 24.4990% | 197 |
| Retained earnings to average equity (ytd only) | 0.7374% | 5,763 |
| Net charge-offs to loans | -0.0582% | 6,588 |
| Credit loss provision to net charge-offs | -242.1053% | 5,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.2438% | 7,226 |
| Assets per employee ($millions) | 6.1478% | 1,191 |
| Cash dividends to net income (ytd only)* | 96.9900% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 4,889 |
| Loan loss allowance to noncurrent loans | 588.0282% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 6,419 |
| Noncurrent loans to loans | 0.2260% | 6,238 |
| Net loans and leases to total assets | 80.6579% | 354 |
| Net loans and leases to deposits | 113.0858% | 102 |
| Net loans and leases to core deposits | 141.4514% | 141 |
| Total domestic deposits to total assets | 71.3246% | 6,916 |
| Equity capital to assets | 9.5390% | 4,741 |
| Core capital (leverage) ratio | 9.2107% | 4,498 |
| Tier 1 risk-based capital ratio | 11.2091% | 6,437 |
| Total risk-based capital ratio | 12.4597% | 6,421 |
| Memoranda: | ||
| Average total assets | $157,158,500 | 3,741 |
| Average earning assets | $146,179,500 | 3,697 |
| Average equity | $14,645,500 | 4,064 |
| Average total loans | $130,503,000 | 2,932 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8244% | 610 |
| Cost of funding earning assets | 1.6760% | 352 |
| Net interest margin | 4.1484% | 2,236 |
| Noninterest income to average assets | 0.2305% | 5,887 |
| Noninterest expense to average assets | 1.6900% | 7,062 |
| Loan and lease loss provision to assets | 1.0449% | 894 |
| Net operating income to assets | 0.9101% | 2,558 |
| Return on assets (ROA) | 0.9114% | 2,670 |
| Pretax return on assets | 1.3567% | 1,925 |
| Return on Equity (ROE) | 10.4140% | 1,914 |
| Retained earnings to average equity (ytd only) | 9.4470% | 683 |
| Net charge-offs to loans | 1.1204% | 1,532 |
| Credit loss provision to net charge-offs | 108.9613% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.5024% | 3,961 |
| Efficiency ratio | 41.3244% | 7,186 |
| Assets per employee ($millions) | 6.6925% | 860 |
| Cash dividends to net income (ytd only)* | 9.2857% | 3,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 5,461 |
| Loan loss allowance to noncurrent loans | 34.1635% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 2.9249% | 2,060 |
| Noncurrent loans to loans | 3.4705% | 1,847 |
| Net loans and leases to total assets | 83.2786% | 251 |
| Net loans and leases to deposits | 128.7904% | 57 |
| Net loans and leases to core deposits | 163.0063% | 104 |
| Total domestic deposits to total assets | 64.6622% | 7,161 |
| Equity capital to assets | 9.1084% | 5,402 |
| Core capital (leverage) ratio | 9.4564% | 4,098 |
| Tier 1 risk-based capital ratio | 10.4063% | 6,727 |
| Total risk-based capital ratio | 11.5623% | 6,738 |
| Memoranda: | ||
| Average total assets | $153,607,200 | 3,744 |
| Average earning assets | $142,900,000 | 3,695 |
| Average equity | $13,443,400 | 4,250 |
| Average total loans | $131,465,800 | 2,962 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8940% | 569 |
| Cost of funding earning assets | 1.7137% | 377 |
| Net interest margin | 4.1803% | 2,176 |
| Noninterest income to average assets | 0.2494% | 5,834 |
| Noninterest expense to average assets | 1.7148% | 7,083 |
| Loan and lease loss provision to assets | 1.3565% | 544 |
| Net operating income to assets | 0.7547% | 3,367 |
| Return on assets (ROA) | 0.7560% | 3,522 |
| Pretax return on assets | 1.0756% | 3,114 |
| Return on Equity (ROE) | 8.7320% | 2,724 |
| Retained earnings to average equity (ytd only) | 7.4135% | 1,766 |
| Net charge-offs to loans | 1.5112% | 958 |
| Credit loss provision to net charge-offs | 104.4625% | 3,189 |
| Earnings coverage of net charge-offs (x) | 1.8715% | 4,258 |
| Efficiency ratio | 41.3684% | 7,227 |
| Assets per employee ($millions) | 6.5883% | 904 |
| Cash dividends to net income (ytd only)* | 15.0988% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 5,456 |
| Loan loss allowance to noncurrent loans | 81.2566% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.2499% | 4,301 |
| Noncurrent loans to loans | 1.4801% | 4,079 |
| Net loans and leases to total assets | 83.4330% | 258 |
| Net loans and leases to deposits | 125.0195% | 68 |
| Net loans and leases to core deposits | 165.0664% | 97 |
| Total domestic deposits to total assets | 66.7360% | 7,180 |
| Equity capital to assets | 9.0497% | 5,690 |
| Core capital (leverage) ratio | 9.0668% | 4,828 |
| Tier 1 risk-based capital ratio | 10.3432% | 6,841 |
| Total risk-based capital ratio | 11.5174% | 6,855 |
| Memoranda: | ||
| Average total assets | $151,853,750 | 3,795 |
| Average earning assets | $141,518,500 | 3,737 |
| Average equity | $13,146,750 | 4,315 |
| Average total loans | $130,490,250 | 2,997 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8791% | 607 |
| Cost of funding earning assets | 1.7430% | 399 |
| Net interest margin | 4.1361% | 2,282 |
| Noninterest income to average assets | 0.2514% | 5,849 |
| Noninterest expense to average assets | 1.7162% | 7,165 |
| Loan and lease loss provision to assets | 1.9544% | 323 |
| Net operating income to assets | 0.3663% | 5,103 |
| Return on assets (ROA) | 0.3685% | 5,231 |
| Pretax return on assets | 0.4435% | 5,250 |
| Return on Equity (ROE) | 4.3217% | 4,780 |
| Retained earnings to average equity (ytd only) | 3.6271% | 3,922 |
| Net charge-offs to loans | 2.2599% | 565 |
| Credit loss provision to net charge-offs | 100.0674% | 3,110 |
| Earnings coverage of net charge-offs (x) | 1.2264% | 4,370 |
| Efficiency ratio | 41.7414% | 7,306 |
| Assets per employee ($millions) | 6.0397% | 1,168 |
| Cash dividends to net income (ytd only)* | 16.0714% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 5,799 |
| Loan loss allowance to noncurrent loans | 74.6707% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.3074% | 4,288 |
| Noncurrent loans to loans | 1.5245% | 4,136 |
| Net loans and leases to total assets | 84.7813% | 187 |
| Net loans and leases to deposits | 125.3113% | 74 |
| Net loans and leases to core deposits | 164.8144% | 111 |
| Total domestic deposits to total assets | 67.6566% | 7,210 |
| Equity capital to assets | 8.6594% | 5,991 |
| Core capital (leverage) ratio | 8.5869% | 5,418 |
| Tier 1 risk-based capital ratio | 9.8047% | 7,031 |
| Total risk-based capital ratio | 10.9112% | 7,077 |
| Memoranda: | ||
| Average total assets | $151,961,670 | 3,816 |
| Average earning assets | $141,823,330 | 3,759 |
| Average equity | $12,958,000 | 4,349 |
| Average total loans | $131,332,000 | 3,016 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0888% | 409 |
| Cost of funding earning assets | 1.7481% | 448 |
| Net interest margin | 4.3407% | 1,446 |
| Noninterest income to average assets | 0.2703% | 5,739 |
| Noninterest expense to average assets | 1.7632% | 7,172 |
| Loan and lease loss provision to assets | 0.1968% | 3,661 |
| Net operating income to assets | 1.6268% | 653 |
| Return on assets (ROA) | 1.6268% | 692 |
| Pretax return on assets | 2.3562% | 310 |
| Return on Equity (ROE) | 19.2256% | 381 |
| Retained earnings to average equity (ytd only) | 17.8301% | 246 |
| Net charge-offs to loans | -0.0363% | 6,773 |
| Credit loss provision to net charge-offs | -625.0000% | 6,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8511% | 7,376 |
| Assets per employee ($millions) | 6.0604% | 1,161 |
| Cash dividends to net income (ytd only)* | 7.2581% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,712 |
| Loan loss allowance to noncurrent loans | 89.2837% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.1517% | 4,636 |
| Noncurrent loans to loans | 1.3231% | 4,489 |
| Net loans and leases to total assets | 86.0207% | 125 |
| Net loans and leases to deposits | 126.8678% | 67 |
| Net loans and leases to core deposits | 168.5178% | 111 |
| Total domestic deposits to total assets | 67.8034% | 7,270 |
| Equity capital to assets | 8.7532% | 5,568 |
| Core capital (leverage) ratio | 8.6858% | 5,107 |
| Tier 1 risk-based capital ratio | 9.8745% | 7,047 |
| Total risk-based capital ratio | 11.0225% | 7,078 |
| Memoranda: | ||
| Average total assets | $152,446,500 | 3,839 |
| Average earning assets | $142,098,000 | 3,788 |
| Average equity | $12,899,500 | 4,361 |
| Average total loans | $132,254,500 | 3,029 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8622% | 1,127 |
| Cost of funding earning assets | 1.9899% | 635 |
| Net interest margin | 3.8724% | 3,629 |
| Noninterest income to average assets | 0.2473% | 6,028 |
| Noninterest expense to average assets | 2.1902% | 6,647 |
| Loan and lease loss provision to assets | 0.1640% | 5,575 |
| Net operating income to assets | 1.0137% | 1,985 |
| Return on assets (ROA) | 1.1620% | 1,587 |
| Pretax return on assets | 1.7359% | 882 |
| Return on Equity (ROE) | 13.7889% | 929 |
| Retained earnings to average equity (ytd only) | 6.7607% | 1,423 |
| Net charge-offs to loans | 0.0120% | 6,711 |
| Credit loss provision to net charge-offs | 1,600.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 163.8000% | 154 |
| Efficiency ratio | 56.6131% | 6,510 |
| Assets per employee ($millions) | 6.1353% | 1,119 |
| Cash dividends to net income (ytd only)* | 50.9700% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 5,920 |
| Loan loss allowance to noncurrent loans | 77.4737% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.2387% | 4,542 |
| Noncurrent loans to loans | 1.4327% | 4,343 |
| Net loans and leases to total assets | 85.5043% | 208 |
| Net loans and leases to deposits | 142.4898% | 42 |
| Net loans and leases to core deposits | 187.7231% | 94 |
| Total domestic deposits to total assets | 60.0073% | 7,508 |
| Equity capital to assets | 8.1737% | 6,292 |
| Core capital (leverage) ratio | 8.8111% | 4,837 |
| Tier 1 risk-based capital ratio | 9.5423% | 7,126 |
| Total risk-based capital ratio | 10.6373% | 7,167 |
| Memoranda: | ||
| Average total assets | $146,382,400 | 3,939 |
| Average earning assets | $136,893,600 | 3,877 |
| Average equity | $12,336,000 | 4,517 |
| Average total loans | $124,975,000 | 3,213 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8190% | 1,343 |
| Cost of funding earning assets | 2.0371% | 668 |
| Net interest margin | 3.7819% | 4,052 |
| Noninterest income to average assets | 0.2471% | 6,127 |
| Noninterest expense to average assets | 2.4051% | 6,020 |
| Loan and lease loss provision to assets | 0.1659% | 5,384 |
| Net operating income to assets | 0.8238% | 2,904 |
| Return on assets (ROA) | 1.0269% | 2,253 |
| Pretax return on assets | 1.5174% | 1,566 |
| Return on Equity (ROE) | 12.0896% | 1,478 |
| Retained earnings to average equity (ytd only) | 5.6107% | 2,583 |
| Net charge-offs to loans | 0.0217% | 6,368 |
| Credit loss provision to net charge-offs | 900.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 75.0889% | 403 |
| Efficiency ratio | 63.4639% | 5,349 |
| Assets per employee ($millions) | 6.4717% | 981 |
| Cash dividends to net income (ytd only)* | 53.5905% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 6,021 |
| Loan loss allowance to noncurrent loans | 74.0526% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.2765% | 4,591 |
| Noncurrent loans to loans | 1.4587% | 4,435 |
| Net loans and leases to total assets | 86.5601% | 162 |
| Net loans and leases to deposits | 142.7339% | 43 |
| Net loans and leases to core deposits | 194.1576% | 93 |
| Total domestic deposits to total assets | 60.6444% | 7,583 |
| Equity capital to assets | 8.2447% | 6,564 |
| Core capital (leverage) ratio | 8.7543% | 5,096 |
| Tier 1 risk-based capital ratio | 9.3915% | 7,277 |
| Total risk-based capital ratio | 10.4703% | 7,331 |
| Memoranda: | ||
| Average total assets | $144,632,250 | 4,026 |
| Average earning assets | $135,483,000 | 3,960 |
| Average equity | $12,285,750 | 4,600 |
| Average total loans | $123,063,500 | 3,309 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9490% | 1,058 |
| Cost of funding earning assets | 2.0765% | 718 |
| Net interest margin | 3.8725% | 3,573 |
| Noninterest income to average assets | 0.2430% | 6,171 |
| Noninterest expense to average assets | 2.1672% | 6,726 |
| Loan and lease loss provision to assets | 0.1676% | 5,202 |
| Net operating income to assets | 1.0331% | 2,070 |
| Return on assets (ROA) | 1.2595% | 1,472 |
| Pretax return on assets | 1.8712% | 777 |
| Return on Equity (ROE) | 14.6782% | 913 |
| Retained earnings to average equity (ytd only) | 14.6294% | 268 |
| Net charge-offs to loans | 0.0182% | 6,088 |
| Credit loss provision to net charge-offs | 1,090.9091% | 345 |
| Earnings coverage of net charge-offs (x) | 110.7273% | 301 |
| Efficiency ratio | 56.0289% | 6,634 |
| Assets per employee ($millions) | 6.2757% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.3326% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 6,025 |
| Loan loss allowance to noncurrent loans | 1,631.3253% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 7,242 |
| Noncurrent loans to loans | 0.0664% | 7,149 |
| Net loans and leases to total assets | 85.6520% | 249 |
| Net loans and leases to deposits | 137.3449% | 57 |
| Net loans and leases to core deposits | 186.8215% | 110 |
| Total domestic deposits to total assets | 62.3627% | 7,620 |
| Equity capital to assets | 8.7723% | 5,785 |
| Core capital (leverage) ratio | 8.9293% | 4,708 |
| Tier 1 risk-based capital ratio | 9.9540% | 7,049 |
| Total risk-based capital ratio | 11.0210% | 7,131 |
| Memoranda: | ||
| Average total assets | $143,227,000 | 4,070 |
| Average earning assets | $134,073,000 | 4,019 |
| Average equity | $12,290,330 | 4,598 |
| Average total loans | $120,668,000 | 3,399 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8284% | 1,378 |
| Cost of funding earning assets | 2.0619% | 910 |
| Net interest margin | 3.7666% | 3,932 |
| Noninterest income to average assets | 0.2243% | 6,358 |
| Noninterest expense to average assets | 1.9962% | 7,167 |
| Loan and lease loss provision to assets | 0.1682% | 4,849 |
| Net operating income to assets | 1.0738% | 1,920 |
| Return on assets (ROA) | 1.0738% | 1,992 |
| Pretax return on assets | 1.5785% | 1,317 |
| Return on Equity (ROE) | 12.6565% | 1,337 |
| Retained earnings to average equity (ytd only) | 12.5573% | 677 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3333% | 7,040 |
| Assets per employee ($millions) | 6.3571% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.7833% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 6,072 |
| Loan loss allowance to noncurrent loans | 2,780.8511% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 7,416 |
| Noncurrent loans to loans | 0.0391% | 7,312 |
| Net loans and leases to total assets | 81.3984% | 661 |
| Net loans and leases to deposits | 126.7681% | 92 |
| Net loans and leases to core deposits | 193.5014% | 105 |
| Total domestic deposits to total assets | 64.2104% | 7,675 |
| Equity capital to assets | 8.4254% | 6,117 |
| Core capital (leverage) ratio | 8.7721% | 4,897 |
| Tier 1 risk-based capital ratio | 9.8039% | 7,155 |
| Total risk-based capital ratio | 10.8619% | 7,238 |
| Memoranda: | ||
| Average total assets | $142,670,000 | 4,144 |
| Average earning assets | $133,278,000 | 4,096 |
| Average equity | $12,104,500 | 4,692 |
| Average total loans | $118,509,500 | 3,482 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2655% | 1,088 |
| Cost of funding earning assets | 2.4258% | 1,225 |
| Net interest margin | 3.8397% | 3,531 |
| Noninterest income to average assets | 0.1825% | 6,785 |
| Noninterest expense to average assets | 2.4204% | 6,406 |
| Loan and lease loss provision to assets | 0.1398% | 6,243 |
| Net operating income to assets | 0.8352% | 2,401 |
| Return on assets (ROA) | 0.8443% | 2,457 |
| Pretax return on assets | 1.2319% | 1,864 |
| Return on Equity (ROE) | 9.8204% | 1,737 |
| Retained earnings to average equity (ytd only) | 7.3721% | 850 |
| Net charge-offs to loans | 0.0027% | 7,211 |
| Credit loss provision to net charge-offs | 6,000.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 583.0000% | 46 |
| Efficiency ratio | 64.0493% | 5,771 |
| Assets per employee ($millions) | 6.3240% | 1,068 |
| Cash dividends to net income (ytd only)* | 24.9310% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 6,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 82.9825% | 545 |
| Net loans and leases to deposits | 137.3452% | 68 |
| Net loans and leases to core deposits | 198.8546% | 106 |
| Total domestic deposits to total assets | 60.4189% | 7,792 |
| Equity capital to assets | 8.5461% | 5,817 |
| Core capital (leverage) ratio | 8.4982% | 5,281 |
| Tier 1 risk-based capital ratio | 9.6782% | 7,112 |
| Total risk-based capital ratio | 10.7062% | 7,232 |
| Memoranda: | ||
| Average total assets | $128,740,600 | 4,365 |
| Average earning assets | $120,580,800 | 4,300 |
| Average equity | $11,068,800 | 5,005 |
| Average total loans | $109,223,000 | 3,714 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2438% | 1,257 |
| Cost of funding earning assets | 2.4658% | 1,394 |
| Net interest margin | 3.7780% | 3,749 |
| Noninterest income to average assets | 0.1755% | 6,959 |
| Noninterest expense to average assets | 1.8127% | 7,654 |
| Loan and lease loss provision to assets | 0.1268% | 6,081 |
| Net operating income to assets | 1.2277% | 1,401 |
| Return on assets (ROA) | 1.2409% | 1,437 |
| Pretax return on assets | 1.8064% | 793 |
| Return on Equity (ROE) | 14.4087% | 856 |
| Retained earnings to average equity (ytd only) | 11.5368% | 406 |
| Net charge-offs to loans | 0.0037% | 6,935 |
| Credit loss provision to net charge-offs | 4,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 603.6525% | 50 |
| Efficiency ratio | 48.6387% | 7,638 |
| Assets per employee ($millions) | 6.1255% | 1,153 |
| Cash dividends to net income (ytd only)* | 19.9318% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 6,070 |
| Loan loss allowance to noncurrent loans | 546.5438% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 7,136 |
| Noncurrent loans to loans | 0.1900% | 7,023 |
| Net loans and leases to total assets | 83.8832% | 556 |
| Net loans and leases to deposits | 136.6748% | 81 |
| Net loans and leases to core deposits | 217.7676% | 71 |
| Total domestic deposits to total assets | 61.3743% | 7,839 |
| Equity capital to assets | 8.5055% | 6,245 |
| Core capital (leverage) ratio | 8.4886% | 5,520 |
| Tier 1 risk-based capital ratio | 9.5818% | 7,316 |
| Total risk-based capital ratio | 10.5905% | 7,452 |
| Memoranda: | ||
| Average total assets | $126,144,000 | 4,445 |
| Average earning assets | $118,579,250 | 4,373 |
| Average equity | $10,863,500 | 5,096 |
| Average total loans | $107,354,500 | 3,789 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1691% | 1,559 |
| Cost of funding earning assets | 2.4628% | 1,738 |
| Net interest margin | 3.7063% | 3,925 |
| Noninterest income to average assets | 0.1850% | 6,971 |
| Noninterest expense to average assets | 1.8544% | 7,677 |
| Loan and lease loss provision to assets | 0.1055% | 6,103 |
| Net operating income to assets | 1.1337% | 1,653 |
| Return on assets (ROA) | 1.1519% | 1,692 |
| Pretax return on assets | 1.7344% | 963 |
| Return on Equity (ROE) | 13.3158% | 1,116 |
| Retained earnings to average equity (ytd only) | 11.9842% | 446 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5752% | 7,625 |
| Assets per employee ($millions) | 5.9097% | 1,263 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 6,189 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 7,440 |
| Noncurrent loans to loans | 0.0719% | 7,344 |
| Net loans and leases to total assets | 85.7823% | 395 |
| Net loans and leases to deposits | 134.8597% | 95 |
| Net loans and leases to core deposits | 217.6855% | 86 |
| Total domestic deposits to total assets | 63.6085% | 7,851 |
| Equity capital to assets | 8.4722% | 6,089 |
| Core capital (leverage) ratio | 8.7987% | 4,946 |
| Tier 1 risk-based capital ratio | 9.3156% | 7,525 |
| Total risk-based capital ratio | 10.2789% | 7,695 |
| Memoranda: | ||
| Average total assets | $123,272,000 | 4,552 |
| Average earning assets | $115,802,330 | 4,467 |
| Average equity | $10,664,000 | 5,171 |
| Average total loans | $105,063,670 | 3,893 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0870% | 1,990 |
| Cost of funding earning assets | 2.5752% | 1,635 |
| Net interest margin | 3.5119% | 4,679 |
| Noninterest income to average assets | 0.1635% | 7,135 |
| Noninterest expense to average assets | 1.8015% | 7,698 |
| Loan and lease loss provision to assets | 0.1001% | 5,685 |
| Net operating income to assets | 1.0523% | 2,127 |
| Return on assets (ROA) | 1.0909% | 2,122 |
| Pretax return on assets | 1.6080% | 1,383 |
| Return on Equity (ROE) | 12.4708% | 1,522 |
| Retained earnings to average equity (ytd only) | 11.2123% | 932 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1739% | 7,398 |
| Assets per employee ($millions) | 5.0857% | 1,976 |
| Cash dividends to net income (ytd only)* | 10.0917% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 5,621 |
| Loan loss allowance to noncurrent loans | 2,820.5128% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 7,514 |
| Noncurrent loans to loans | 0.0382% | 7,438 |
| Net loans and leases to total assets | 86.3197% | 403 |
| Net loans and leases to deposits | 142.2499% | 81 |
| Net loans and leases to core deposits | 219.7893% | 101 |
| Total domestic deposits to total assets | 60.6817% | 7,952 |
| Equity capital to assets | 9.1125% | 5,210 |
| Core capital (leverage) ratio | 8.9951% | 4,721 |
| Tier 1 risk-based capital ratio | 10.0396% | 6,873 |
| Total risk-based capital ratio | 11.0793% | 7,019 |
| Memoranda: | ||
| Average total assets | $119,901,000 | 4,657 |
| Average earning assets | $112,304,000 | 4,577 |
| Average equity | $10,488,500 | 5,238 |
| Average total loans | $101,264,000 | 4,001 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8907% | 1,423 |
| Cost of funding earning assets | 3.4096% | 697 |
| Net interest margin | 3.4811% | 5,357 |
| Noninterest income to average assets | 0.1789% | 7,161 |
| Noninterest expense to average assets | 1.8158% | 7,739 |
| Loan and lease loss provision to assets | 0.2996% | 3,977 |
| Net operating income to assets | 1.2575% | 1,612 |
| Return on assets (ROA) | 1.1703% | 1,803 |
| Pretax return on assets | 1.2021% | 2,630 |
| Return on Equity (ROE) | 13.4335% | 1,230 |
| Retained earnings to average equity (ytd only) | 11.4742% | 271 |
| Net charge-offs to loans | 0.0128% | 6,733 |
| Credit loss provision to net charge-offs | 2,750.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 146.0833% | 315 |
| Efficiency ratio | 53.2907% | 7,351 |
| Assets per employee ($millions) | 5.3405% | 1,593 |
| Cash dividends to net income (ytd only)* | 14.5849% | 4,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 5,522 |
| Loan loss allowance to noncurrent loans | 1,444.5946% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 7,326 |
| Noncurrent loans to loans | 0.0737% | 7,210 |
| Net loans and leases to total assets | 80.9161% | 1,463 |
| Net loans and leases to deposits | 120.2235% | 384 |
| Net loans and leases to core deposits | 218.3724% | 115 |
| Total domestic deposits to total assets | 67.3047% | 7,539 |
| Equity capital to assets | 8.4002% | 6,254 |
| Core capital (leverage) ratio | 8.9311% | 4,846 |
| Tier 1 risk-based capital ratio | 9.6704% | 7,117 |
| Total risk-based capital ratio | 10.6714% | 7,307 |
| Memoranda: | ||
| Average total assets | $110,144,600 | 4,778 |
| Average earning assets | $102,151,600 | 4,742 |
| Average equity | $9,595,400 | 5,536 |
| Average total loans | $93,614,200 | 4,116 |