Home > Heritage Bank > Performance and Condition Ratios
Heritage Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7257% | 1,616 |
| Cost of funding earning assets | 2.5219% | 825 |
| Net interest margin | 3.2037% | 3,005 |
| Noninterest income to average assets | 2.0000% | 253 |
| Noninterest expense to average assets | 4.3077% | 317 |
| Loan and lease loss provision to assets | -0.0200% | 4,187 |
| Net operating income to assets | 0.7245% | 3,043 |
| Return on assets (ROA) | 0.7245% | 3,050 |
| Pretax return on assets | 0.7349% | 3,328 |
| Return on Equity (ROE) | 8.4800% | 2,743 |
| Retained earnings to average equity (ytd only) | 8.4789% | 1,564 |
| Net charge-offs to loans | 0.1402% | 687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 6.1185% | 1,873 |
| Efficiency ratio | 85.7217% | 655 |
| Assets per employee ($millions) | 4.9602% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9533% | 413 |
| Loan loss allowance to noncurrent loans | 80.4308% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 2.0488% | 215 |
| Noncurrent loans to loans | 2.4285% | 322 |
| Net loans and leases to total assets | 81.5800% | 452 |
| Net loans and leases to deposits | 95.0788% | 688 |
| Net loans and leases to core deposits | 122.2054% | 493 |
| Total domestic deposits to total assets | 85.8000% | 2,375 |
| Equity capital to assets | 9.1496% | 2,829 |
| Core capital (leverage) ratio | 9.3943% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1506% | 1,474 |
| Memoranda: | ||
| Average total assets | $460,473,000 | 1,899 |
| Average earning assets | $434,743,500 | 1,869 |
| Average equity | $39,344,500 | 2,059 |
| Average total loans | $385,140,000 | 1,602 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2009% | 1,027 |
| Cost of funding earning assets | 2.9767% | 514 |
| Net interest margin | 3.2242% | 2,678 |
| Noninterest income to average assets | 0.4500% | 2,176 |
| Noninterest expense to average assets | 3.0247% | 1,107 |
| Loan and lease loss provision to assets | 0.3300% | 359 |
| Net operating income to assets | 0.1350% | 4,050 |
| Return on assets (ROA) | 0.1350% | 4,083 |
| Pretax return on assets | 0.1439% | 4,087 |
| Return on Equity (ROE) | 1.8500% | 4,005 |
| Retained earnings to average equity (ytd only) | 1.8502% | 3,422 |
| Net charge-offs to loans | 0.5842% | 256 |
| Credit loss provision to net charge-offs | 69.6227% | 2,208 |
| Earnings coverage of net charge-offs (x) | 0.9969% | 2,945 |
| Efficiency ratio | 86.3757% | 665 |
| Assets per employee ($millions) | 5.4477% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7758% | 559 |
| Loan loss allowance to noncurrent loans | 85.8959% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.7445% | 266 |
| Noncurrent loans to loans | 2.0673% | 382 |
| Net loans and leases to total assets | 82.4700% | 400 |
| Net loans and leases to deposits | 97.5192% | 620 |
| Net loans and leases to core deposits | 124.3799% | 484 |
| Total domestic deposits to total assets | 84.5700% | 2,645 |
| Equity capital to assets | 8.0465% | 3,477 |
| Core capital (leverage) ratio | 8.2314% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0790% | 2,185 |
| Memoranda: | ||
| Average total assets | $537,203,400 | 1,687 |
| Average earning assets | $507,668,000 | 1,664 |
| Average equity | $39,185,400 | 2,010 |
| Average total loans | $440,107,000 | 1,430 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2625% | 935 |
| Cost of funding earning assets | 3.0092% | 503 |
| Net interest margin | 3.2533% | 2,556 |
| Noninterest income to average assets | 0.4600% | 2,078 |
| Noninterest expense to average assets | 2.9220% | 1,215 |
| Loan and lease loss provision to assets | 0.2300% | 492 |
| Net operating income to assets | 0.3809% | 3,717 |
| Return on assets (ROA) | 0.3809% | 3,748 |
| Pretax return on assets | 0.3896% | 3,828 |
| Return on Equity (ROE) | 5.3400% | 3,449 |
| Retained earnings to average equity (ytd only) | 5.3429% | 2,327 |
| Net charge-offs to loans | 0.5998% | 221 |
| Credit loss provision to net charge-offs | 46.1081% | 2,074 |
| Earnings coverage of net charge-offs (x) | 1.2583% | 2,684 |
| Efficiency ratio | 82.6141% | 908 |
| Assets per employee ($millions) | 5.6621% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 732 |
| Loan loss allowance to noncurrent loans | 73.2903% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.8868% | 226 |
| Noncurrent loans to loans | 2.2558% | 329 |
| Net loans and leases to total assets | 81.7200% | 434 |
| Net loans and leases to deposits | 100.3081% | 475 |
| Net loans and leases to core deposits | 128.8883% | 409 |
| Total domestic deposits to total assets | 81.4700% | 3,210 |
| Equity capital to assets | 8.0430% | 3,687 |
| Core capital (leverage) ratio | 8.0298% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9273% | 2,266 |
| Memoranda: | ||
| Average total assets | $550,293,000 | 1,644 |
| Average earning assets | $520,395,750 | 1,621 |
| Average equity | $39,228,500 | 2,013 |
| Average total loans | $448,360,500 | 1,405 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3040% | 809 |
| Cost of funding earning assets | 3.0529% | 434 |
| Net interest margin | 3.2510% | 2,532 |
| Noninterest income to average assets | 0.4500% | 2,091 |
| Noninterest expense to average assets | 2.8306% | 1,394 |
| Loan and lease loss provision to assets | 0.3300% | 291 |
| Net operating income to assets | 0.3634% | 3,733 |
| Return on assets (ROA) | 0.3634% | 3,775 |
| Pretax return on assets | 0.3719% | 3,848 |
| Return on Equity (ROE) | 5.3000% | 3,450 |
| Retained earnings to average equity (ytd only) | 5.2997% | 2,243 |
| Net charge-offs to loans | 0.7140% | 183 |
| Credit loss provision to net charge-offs | 56.8460% | 1,783 |
| Earnings coverage of net charge-offs (x) | 1.2115% | 2,483 |
| Efficiency ratio | 80.1582% | 1,111 |
| Assets per employee ($millions) | 6.1531% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 758 |
| Loan loss allowance to noncurrent loans | 130.9900% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.0530% | 556 |
| Noncurrent loans to loans | 1.2601% | 717 |
| Net loans and leases to total assets | 81.3000% | 545 |
| Net loans and leases to deposits | 101.7097% | 471 |
| Net loans and leases to core deposits | 132.3693% | 362 |
| Total domestic deposits to total assets | 79.9300% | 3,458 |
| Equity capital to assets | 7.3342% | 3,801 |
| Core capital (leverage) ratio | 7.3699% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1051% | 2,541 |
| Memoranda: | ||
| Average total assets | $565,747,333 | 1,603 |
| Average earning assets | $536,203,333 | 1,571 |
| Average equity | $38,794,333 | 1,998 |
| Average total loans | $458,236,000 | 1,386 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3060% | 738 |
| Cost of funding earning assets | 3.0369% | 403 |
| Net interest margin | 3.2691% | 2,404 |
| Noninterest income to average assets | 0.2100% | 3,582 |
| Noninterest expense to average assets | 2.6838% | 1,722 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.6086% | 3,130 |
| Return on assets (ROA) | 0.6086% | 3,158 |
| Pretax return on assets | 0.6169% | 3,354 |
| Return on Equity (ROE) | 9.1700% | 2,346 |
| Retained earnings to average equity (ytd only) | 9.1699% | 1,284 |
| Net charge-offs to loans | 0.6763% | 147 |
| Credit loss provision to net charge-offs | 2.1574% | 1,570 |
| Earnings coverage of net charge-offs (x) | 1.1586% | 2,068 |
| Efficiency ratio | 81.0227% | 1,129 |
| Assets per employee ($millions) | 6.8724% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 837 |
| Loan loss allowance to noncurrent loans | 294.6276% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 1,473 |
| Noncurrent loans to loans | 0.5453% | 1,558 |
| Net loans and leases to total assets | 75.9000% | 1,086 |
| Net loans and leases to deposits | 94.4044% | 837 |
| Net loans and leases to core deposits | 136.4642% | 317 |
| Total domestic deposits to total assets | 80.4000% | 3,471 |
| Equity capital to assets | 6.6789% | 4,033 |
| Core capital (leverage) ratio | 7.0147% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3651% | 2,469 |
| Memoranda: | ||
| Average total assets | $580,962,500 | 1,571 |
| Average earning assets | $551,219,500 | 1,539 |
| Average equity | $38,561,000 | 2,003 |
| Average total loans | $466,093,500 | 1,365 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5027% | 350 |
| Cost of funding earning assets | 2.1248% | 738 |
| Net interest margin | 4.3779% | 726 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 3.2213% | 811 |
| Loan and lease loss provision to assets | 2.3300% | 22 |
| Net operating income to assets | -1.3179% | 4,547 |
| Return on assets (ROA) | -1.3179% | 4,542 |
| Pretax return on assets | -1.3085% | 4,537 |
| Return on Equity (ROE) | -16.7000% | 4,532 |
| Retained earnings to average equity (ytd only) | -18.5580% | 4,515 |
| Net charge-offs to loans | 2.1961% | 42 |
| Credit loss provision to net charge-offs | 124.4382% | 1,640 |
| Earnings coverage of net charge-offs (x) | 0.5468% | 2,809 |
| Efficiency ratio | 75.8478% | 1,258 |
| Assets per employee ($millions) | 6.2801% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 729 |
| Loan loss allowance to noncurrent loans | 383.4371% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 1,519 |
| Noncurrent loans to loans | 0.4338% | 1,698 |
| Net loans and leases to total assets | 81.9600% | 436 |
| Net loans and leases to deposits | 102.7158% | 407 |
| Net loans and leases to core deposits | 140.1352% | 279 |
| Total domestic deposits to total assets | 79.8000% | 3,495 |
| Equity capital to assets | 6.5955% | 4,082 |
| Core capital (leverage) ratio | 7.1476% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0637% | 2,808 |
| Memoranda: | ||
| Average total assets | $512,406,400 | 1,704 |
| Average earning assets | $481,557,000 | 1,683 |
| Average equity | $40,430,000 | 1,872 |
| Average total loans | $437,693,400 | 1,374 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5235% | 298 |
| Cost of funding earning assets | 1.8760% | 894 |
| Net interest margin | 4.6475% | 495 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 3.3610% | 661 |
| Loan and lease loss provision to assets | 2.3600% | 24 |
| Net operating income to assets | -1.1740% | 4,576 |
| Return on assets (ROA) | -1.1740% | 4,571 |
| Pretax return on assets | -1.1643% | 4,563 |
| Return on Equity (ROE) | -14.2000% | 4,559 |
| Retained earnings to average equity (ytd only) | -16.6391% | 4,541 |
| Net charge-offs to loans | 2.7111% | 30 |
| Credit loss provision to net charge-offs | 101.3253% | 1,608 |
| Earnings coverage of net charge-offs (x) | 0.5140% | 2,562 |
| Efficiency ratio | 73.7106% | 1,386 |
| Assets per employee ($millions) | 5.6704% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,484 |
| Loan loss allowance to noncurrent loans | 248.5370% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 1,286 |
| Noncurrent loans to loans | 0.4740% | 1,638 |
| Net loans and leases to total assets | 87.2000% | 109 |
| Net loans and leases to deposits | 109.9800% | 199 |
| Net loans and leases to core deposits | 130.5095% | 339 |
| Total domestic deposits to total assets | 79.2800% | 3,641 |
| Equity capital to assets | 6.8337% | 3,692 |
| Core capital (leverage) ratio | 7.6930% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8983% | 2,842 |
| Memoranda: | ||
| Average total assets | $496,065,250 | 1,738 |
| Average earning assets | $465,301,500 | 1,726 |
| Average equity | $41,010,750 | 1,830 |
| Average total loans | $426,723,500 | 1,395 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4119% | 281 |
| Cost of funding earning assets | 1.6034% | 1,055 |
| Net interest margin | 4.8084% | 399 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 3.3785% | 619 |
| Loan and lease loss provision to assets | 2.9300% | 15 |
| Net operating income to assets | -1.5712% | 4,619 |
| Return on assets (ROA) | -1.5712% | 4,615 |
| Pretax return on assets | -1.5612% | 4,607 |
| Return on Equity (ROE) | -17.8000% | 4,606 |
| Retained earnings to average equity (ytd only) | -21.3742% | 4,580 |
| Net charge-offs to loans | 2.0033% | 47 |
| Credit loss provision to net charge-offs | 172.0335% | 1,117 |
| Earnings coverage of net charge-offs (x) | 0.8053% | 2,394 |
| Efficiency ratio | 71.0915% | 1,657 |
| Assets per employee ($millions) | 5.2151% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9339% | 469 |
| Loan loss allowance to noncurrent loans | 155.6462% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.1305% | 378 |
| Noncurrent loans to loans | 1.2425% | 570 |
| Net loans and leases to total assets | 86.0800% | 148 |
| Net loans and leases to deposits | 104.2805% | 359 |
| Net loans and leases to core deposits | 111.8894% | 751 |
| Total domestic deposits to total assets | 82.5400% | 3,134 |
| Equity capital to assets | 7.7384% | 3,378 |
| Core capital (leverage) ratio | 8.6988% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4680% | 2,772 |
| Memoranda: | ||
| Average total assets | $476,186,000 | 1,784 |
| Average earning assets | $446,048,333 | 1,768 |
| Average equity | $42,022,667 | 1,812 |
| Average total loans | $405,523,000 | 1,444 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2478% | 235 |
| Cost of funding earning assets | 1.4239% | 985 |
| Net interest margin | 4.8239% | 358 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 3.2791% | 719 |
| Loan and lease loss provision to assets | 1.8400% | 40 |
| Net operating income to assets | -0.3598% | 4,573 |
| Return on assets (ROA) | -0.3598% | 4,561 |
| Pretax return on assets | -0.3494% | 4,549 |
| Return on Equity (ROE) | -3.8200% | 4,537 |
| Retained earnings to average equity (ytd only) | -10.7223% | 4,491 |
| Net charge-offs to loans | 0.6980% | 112 |
| Credit loss provision to net charge-offs | 314.5401% | 673 |
| Earnings coverage of net charge-offs (x) | 2.5475% | 1,926 |
| Efficiency ratio | 68.7761% | 1,888 |
| Assets per employee ($millions) | 4.6050% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8236% | 636 |
| Loan loss allowance to noncurrent loans | 109.3721% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.3971% | 245 |
| Noncurrent loans to loans | 1.6673% | 376 |
| Net loans and leases to total assets | 82.2700% | 344 |
| Net loans and leases to deposits | 98.0167% | 538 |
| Net loans and leases to core deposits | 101.9371% | 1,001 |
| Total domestic deposits to total assets | 83.9300% | 3,106 |
| Equity capital to assets | 9.1668% | 2,395 |
| Core capital (leverage) ratio | 9.7739% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5653% | 2,551 |
| Memoranda: | ||
| Average total assets | $461,345,000 | 1,848 |
| Average earning assets | $430,936,500 | 1,832 |
| Average equity | $43,461,000 | 1,783 |
| Average total loans | $386,271,000 | 1,512 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3142% | 138 |
| Cost of funding earning assets | 0.3283% | 1,876 |
| Net interest margin | 4.9859% | 122 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 3.7479% | 390 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | 1.1261% | 1,980 |
| Return on assets (ROA) | 1.1261% | 1,950 |
| Pretax return on assets | 1.2732% | 2,130 |
| Return on Equity (ROE) | 11.4000% | 2,239 |
| Retained earnings to average equity (ytd only) | 6.8381% | 2,429 |
| Net charge-offs to loans | 0.1846% | 364 |
| Credit loss provision to net charge-offs | 214.7239% | 946 |
| Earnings coverage of net charge-offs (x) | 10.8180% | 1,969 |
| Efficiency ratio | 70.2324% | 1,729 |
| Assets per employee ($millions) | 4.5544% | 4,014 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 2,466 |
| Loan loss allowance to noncurrent loans | 313.2075% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 1,630 |
| Noncurrent loans to loans | 0.3869% | 1,845 |
| Net loans and leases to total assets | 83.5700% | 278 |
| Net loans and leases to deposits | 104.0665% | 238 |
| Net loans and leases to core deposits | 106.1791% | 583 |
| Total domestic deposits to total assets | 80.3100% | 4,066 |
| Equity capital to assets | 9.7923% | 1,730 |
| Core capital (leverage) ratio | 10.4386% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0894% | 2,025 |
| Memoranda: | ||
| Average total assets | $444,011,250 | 1,882 |
| Average earning assets | $416,335,750 | 1,870 |
| Average equity | $43,871,000 | 1,817 |
| Average total loans | $353,144,750 | 1,523 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 160 |
| Cost of funding earning assets | 0.2247% | 2,587 |
| Net interest margin | 4.8331% | 124 |
| Noninterest income to average assets | 0.6928% | 1,373 |
| Noninterest expense to average assets | 3.7188% | 346 |
| Loan and lease loss provision to assets | 0.0672% | 1,408 |
| Net operating income to assets | 1.2979% | 1,139 |
| Return on assets (ROA) | 1.2979% | 1,121 |
| Pretax return on assets | 1.4368% | 1,341 |
| Return on Equity (ROE) | 13.0972% | 1,359 |
| Retained earnings to average equity (ytd only) | 6.3134% | 2,231 |
| Net charge-offs to loans | 0.2100% | 309 |
| Credit loss provision to net charge-offs | 41.0959% | 1,528 |
| Earnings coverage of net charge-offs (x) | 9.1945% | 1,796 |
| Efficiency ratio | 71.2030% | 1,807 |
| Assets per employee ($millions) | 4.1225% | 4,305 |
| Cash dividends to net income (ytd only)* | 51.7956% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 3,403 |
| Loan loss allowance to noncurrent loans | 211.1681% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 1,398 |
| Noncurrent loans to loans | 0.4954% | 1,639 |
| Net loans and leases to total assets | 80.2296% | 384 |
| Net loans and leases to deposits | 100.0548% | 267 |
| Net loans and leases to core deposits | 101.6899% | 603 |
| Total domestic deposits to total assets | 80.1856% | 4,209 |
| Equity capital to assets | 9.8693% | 1,790 |
| Core capital (leverage) ratio | 10.5764% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6134% | 1,830 |
| Memoranda: | ||
| Average total assets | $446,275,000 | 1,884 |
| Average earning assets | $418,281,333 | 1,887 |
| Average equity | $44,223,333 | 1,855 |
| Average total loans | $347,568,333 | 1,538 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 174 |
| Cost of funding earning assets | 0.1940% | 2,875 |
| Net interest margin | 4.7020% | 136 |
| Noninterest income to average assets | 0.7052% | 1,302 |
| Noninterest expense to average assets | 3.6955% | 347 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3244% | 950 |
| Return on assets (ROA) | 1.3244% | 939 |
| Pretax return on assets | 1.4397% | 1,151 |
| Return on Equity (ROE) | 13.3388% | 969 |
| Retained earnings to average equity (ytd only) | 8.8717% | 1,305 |
| Net charge-offs to loans | 0.2289% | 271 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 8.2386% | 1,520 |
| Efficiency ratio | 71.9641% | 1,977 |
| Assets per employee ($millions) | 3.7101% | 4,497 |
| Cash dividends to net income (ytd only)* | 33.4896% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 3,392 |
| Loan loss allowance to noncurrent loans | 136.7609% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 956 |
| Noncurrent loans to loans | 0.7935% | 1,196 |
| Net loans and leases to total assets | 78.1942% | 365 |
| Net loans and leases to deposits | 92.0696% | 426 |
| Net loans and leases to core deposits | 94.6001% | 708 |
| Total domestic deposits to total assets | 84.9295% | 3,553 |
| Equity capital to assets | 10.1544% | 1,789 |
| Core capital (leverage) ratio | 10.1539% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8502% | 1,856 |
| Memoranda: | ||
| Average total assets | $450,922,000 | 1,882 |
| Average earning assets | $424,837,500 | 1,873 |
| Average equity | $44,771,500 | 1,899 |
| Average total loans | $344,205,500 | 1,536 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2721% | 177 |
| Cost of funding earning assets | 0.3074% | 2,332 |
| Net interest margin | 4.9646% | 148 |
| Noninterest income to average assets | 1.2643% | 665 |
| Noninterest expense to average assets | 3.8300% | 341 |
| Loan and lease loss provision to assets | 0.1084% | 1,165 |
| Net operating income to assets | 1.9299% | 385 |
| Return on assets (ROA) | 1.9299% | 408 |
| Pretax return on assets | 1.9776% | 632 |
| Return on Equity (ROE) | 19.1409% | 369 |
| Retained earnings to average equity (ytd only) | 1.9433% | 3,992 |
| Net charge-offs to loans | 0.1997% | 482 |
| Credit loss provision to net charge-offs | 73.5294% | 1,992 |
| Earnings coverage of net charge-offs (x) | 14.1529% | 2,046 |
| Efficiency ratio | 64.7395% | 2,441 |
| Assets per employee ($millions) | 4.2523% | 4,295 |
| Cash dividends to net income (ytd only)* | 89.8473% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 3,195 |
| Loan loss allowance to noncurrent loans | 131.3568% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 1,023 |
| Noncurrent loans to loans | 0.8646% | 1,177 |
| Net loans and leases to total assets | 72.9727% | 755 |
| Net loans and leases to deposits | 85.6726% | 814 |
| Net loans and leases to core deposits | 88.1328% | 1,070 |
| Total domestic deposits to total assets | 85.1763% | 3,214 |
| Equity capital to assets | 9.7196% | 2,923 |
| Core capital (leverage) ratio | 9.5532% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7452% | 1,952 |
| Memoranda: | ||
| Average total assets | $461,361,400 | 1,808 |
| Average earning assets | $432,278,200 | 1,795 |
| Average equity | $46,518,200 | 1,876 |
| Average total loans | $340,440,400 | 1,557 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4413% | 156 |
| Cost of funding earning assets | 0.3261% | 2,340 |
| Net interest margin | 5.1153% | 136 |
| Noninterest income to average assets | 1.3206% | 676 |
| Noninterest expense to average assets | 3.9057% | 308 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1547% | 347 |
| Return on assets (ROA) | 2.1547% | 366 |
| Pretax return on assets | 2.2011% | 542 |
| Return on Equity (ROE) | 21.1758% | 347 |
| Retained earnings to average equity (ytd only) | 6.9256% | 2,449 |
| Net charge-offs to loans | 0.1780% | 485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 16.7550% | 1,828 |
| Efficiency ratio | 63.9567% | 2,392 |
| Assets per employee ($millions) | 3.8905% | 4,508 |
| Cash dividends to net income (ytd only)* | 67.2948% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 3,061 |
| Loan loss allowance to noncurrent loans | 110.5120% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.9111% | 755 |
| Noncurrent loans to loans | 1.0708% | 1,062 |
| Net loans and leases to total assets | 67.4969% | 1,376 |
| Net loans and leases to deposits | 80.8481% | 1,204 |
| Net loans and leases to core deposits | 83.3021% | 1,472 |
| Total domestic deposits to total assets | 83.4860% | 3,584 |
| Equity capital to assets | 10.5169% | 2,448 |
| Core capital (leverage) ratio | 10.0781% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0933% | 1,333 |
| Memoranda: | ||
| Average total assets | $459,762,500 | 1,830 |
| Average earning assets | $430,179,250 | 1,822 |
| Average equity | $46,781,750 | 1,885 |
| Average total loans | $339,236,500 | 1,590 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4821% | 179 |
| Cost of funding earning assets | 0.3459% | 2,348 |
| Net interest margin | 5.1363% | 146 |
| Noninterest income to average assets | 1.4371% | 588 |
| Noninterest expense to average assets | 3.9608% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2357% | 319 |
| Return on assets (ROA) | 2.2357% | 338 |
| Pretax return on assets | 2.2789% | 504 |
| Return on Equity (ROE) | 22.2147% | 302 |
| Retained earnings to average equity (ytd only) | 9.3267% | 1,614 |
| Net charge-offs to loans | 0.1642% | 509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 18.3659% | 1,567 |
| Efficiency ratio | 63.4770% | 2,500 |
| Assets per employee ($millions) | 3.7682% | 4,570 |
| Cash dividends to net income (ytd only)* | 58.0159% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 3,378 |
| Loan loss allowance to noncurrent loans | 84.4740% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0069% | 746 |
| Noncurrent loans to loans | 1.3119% | 897 |
| Net loans and leases to total assets | 75.8965% | 597 |
| Net loans and leases to deposits | 92.2072% | 532 |
| Net loans and leases to core deposits | 93.8309% | 911 |
| Total domestic deposits to total assets | 82.3108% | 3,860 |
| Equity capital to assets | 10.5741% | 2,334 |
| Core capital (leverage) ratio | 9.7938% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7793% | 1,395 |
| Memoranda: | ||
| Average total assets | $462,583,000 | 1,808 |
| Average earning assets | $432,532,667 | 1,806 |
| Average equity | $46,554,667 | 1,878 |
| Average total loans | $349,561,333 | 1,561 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 302 |
| Cost of funding earning assets | 0.3576% | 2,465 |
| Net interest margin | 4.7649% | 253 |
| Noninterest income to average assets | 1.7170% | 483 |
| Noninterest expense to average assets | 4.0309% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1113% | 482 |
| Return on assets (ROA) | 2.1113% | 525 |
| Pretax return on assets | 2.1454% | 752 |
| Return on Equity (ROE) | 21.4986% | 429 |
| Retained earnings to average equity (ytd only) | 12.8263% | 955 |
| Net charge-offs to loans | 0.2612% | 327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 10.9522% | 1,477 |
| Efficiency ratio | 65.2648% | 2,334 |
| Assets per employee ($millions) | 4.0318% | 4,463 |
| Cash dividends to net income (ytd only)* | 40.3388% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,436 |
| Loan loss allowance to noncurrent loans | 71.7649% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.1242% | 692 |
| Noncurrent loans to loans | 1.5306% | 809 |
| Net loans and leases to total assets | 72.6462% | 937 |
| Net loans and leases to deposits | 87.8804% | 838 |
| Net loans and leases to core deposits | 89.6582% | 1,255 |
| Total domestic deposits to total assets | 82.6648% | 3,769 |
| Equity capital to assets | 9.7012% | 2,996 |
| Core capital (leverage) ratio | 9.6033% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5700% | 1,410 |
| Memoranda: | ||
| Average total assets | $469,666,500 | 1,777 |
| Average earning assets | $439,550,000 | 1,781 |
| Average equity | $46,124,000 | 1,883 |
| Average total loans | $352,269,000 | 1,557 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7428% | 127 |
| Cost of funding earning assets | 0.7063% | 1,690 |
| Net interest margin | 5.0365% | 114 |
| Noninterest income to average assets | 1.3204% | 661 |
| Noninterest expense to average assets | 4.1933% | 311 |
| Loan and lease loss provision to assets | 0.1901% | 2,044 |
| Net operating income to assets | 1.6323% | 596 |
| Return on assets (ROA) | 1.6722% | 579 |
| Pretax return on assets | 1.6836% | 881 |
| Return on Equity (ROE) | 16.9754% | 414 |
| Retained earnings to average equity (ytd only) | 3.3533% | 3,149 |
| Net charge-offs to loans | 0.1445% | 1,122 |
| Credit loss provision to net charge-offs | 168.3168% | 2,326 |
| Earnings coverage of net charge-offs (x) | 16.2337% | 2,143 |
| Efficiency ratio | 69.5784% | 2,006 |
| Assets per employee ($millions) | 3.8076% | 4,501 |
| Cash dividends to net income (ytd only)* | 80.2461% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 3,154 |
| Loan loss allowance to noncurrent loans | 72.5889% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.2266% | 693 |
| Noncurrent loans to loans | 1.5995% | 824 |
| Net loans and leases to total assets | 75.7925% | 811 |
| Net loans and leases to deposits | 93.1588% | 709 |
| Net loans and leases to core deposits | 95.7797% | 1,132 |
| Total domestic deposits to total assets | 81.3584% | 3,795 |
| Equity capital to assets | 9.9200% | 3,204 |
| Core capital (leverage) ratio | 9.4543% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5947% | 1,656 |
| Memoranda: | ||
| Average total assets | $447,144,000 | 1,711 |
| Average earning assets | $417,829,800 | 1,705 |
| Average equity | $44,046,000 | 1,874 |
| Average total loans | $349,476,400 | 1,511 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6267% | 174 |
| Cost of funding earning assets | 0.7769% | 1,602 |
| Net interest margin | 4.8498% | 184 |
| Noninterest income to average assets | 1.1682% | 776 |
| Noninterest expense to average assets | 3.9928% | 377 |
| Loan and lease loss provision to assets | 0.1652% | 2,350 |
| Net operating income to assets | 1.5347% | 841 |
| Return on assets (ROA) | 1.5888% | 820 |
| Pretax return on assets | 1.5982% | 1,187 |
| Return on Equity (ROE) | 16.1591% | 534 |
| Retained earnings to average equity (ytd only) | 6.9917% | 1,694 |
| Net charge-offs to loans | 0.1266% | 1,123 |
| Credit loss provision to net charge-offs | 166.1631% | 2,243 |
| Earnings coverage of net charge-offs (x) | 17.1813% | 2,029 |
| Efficiency ratio | 70.0306% | 1,885 |
| Assets per employee ($millions) | 4.2216% | 4,122 |
| Cash dividends to net income (ytd only)* | 56.7322% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 3,488 |
| Loan loss allowance to noncurrent loans | 68.2755% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.1992% | 839 |
| Noncurrent loans to loans | 1.5324% | 924 |
| Net loans and leases to total assets | 77.4401% | 906 |
| Net loans and leases to deposits | 102.5445% | 432 |
| Net loans and leases to core deposits | 108.7230% | 744 |
| Total domestic deposits to total assets | 75.5185% | 4,465 |
| Equity capital to assets | 9.6000% | 3,604 |
| Core capital (leverage) ratio | 9.6691% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7153% | 2,986 |
| Memoranda: | ||
| Average total assets | $443,751,000 | 1,698 |
| Average earning assets | $414,801,000 | 1,685 |
| Average equity | $43,631,750 | 1,876 |
| Average total loans | $348,523,000 | 1,506 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4095% | 396 |
| Cost of funding earning assets | 0.9089% | 1,335 |
| Net interest margin | 4.5006% | 500 |
| Noninterest income to average assets | 0.9785% | 1,021 |
| Noninterest expense to average assets | 4.0071% | 402 |
| Loan and lease loss provision to assets | 0.1977% | 2,067 |
| Net operating income to assets | 0.9812% | 2,394 |
| Return on assets (ROA) | 1.0651% | 2,215 |
| Pretax return on assets | 1.0725% | 2,801 |
| Return on Equity (ROE) | 10.7364% | 1,723 |
| Retained earnings to average equity (ytd only) | -3.3349% | 4,681 |
| Net charge-offs to loans | 0.1810% | 833 |
| Credit loss provision to net charge-offs | 138.8889% | 2,183 |
| Earnings coverage of net charge-offs (x) | 8.3268% | 2,295 |
| Efficiency ratio | 77.1685% | 1,139 |
| Assets per employee ($millions) | 4.4777% | 3,818 |
| Cash dividends to net income (ytd only)* | 131.0616% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,556 |
| Loan loss allowance to noncurrent loans | 40.7594% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.9659% | 372 |
| Noncurrent loans to loans | 2.4639% | 482 |
| Net loans and leases to total assets | 78.9875% | 724 |
| Net loans and leases to deposits | 106.0603% | 316 |
| Net loans and leases to core deposits | 115.5557% | 547 |
| Total domestic deposits to total assets | 74.4741% | 4,562 |
| Equity capital to assets | 8.8981% | 4,173 |
| Core capital (leverage) ratio | 9.0863% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2932% | 2,488 |
| Memoranda: | ||
| Average total assets | $429,838,333 | 1,715 |
| Average earning assets | $402,480,667 | 1,706 |
| Average equity | $42,640,000 | 1,899 |
| Average total loans | $338,051,333 | 1,517 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4945% | 382 |
| Cost of funding earning assets | 1.2306% | 696 |
| Net interest margin | 4.2639% | 818 |
| Noninterest income to average assets | 0.4973% | 2,561 |
| Noninterest expense to average assets | 4.2237% | 410 |
| Loan and lease loss provision to assets | 0.3226% | 960 |
| Net operating income to assets | -0.0724% | 4,794 |
| Return on assets (ROA) | 0.0993% | 4,652 |
| Pretax return on assets | 0.1042% | 4,657 |
| Return on Equity (ROE) | 0.9424% | 4,638 |
| Retained earnings to average equity (ytd only) | 0.9424% | 3,759 |
| Net charge-offs to loans | 0.2648% | 550 |
| Credit loss provision to net charge-offs | 156.2500% | 1,562 |
| Earnings coverage of net charge-offs (x) | 1.1923% | 2,411 |
| Efficiency ratio | 94.4926% | 365 |
| Assets per employee ($millions) | 3.7303% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 2,463 |
| Loan loss allowance to noncurrent loans | 42.9617% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 2.2660% | 328 |
| Noncurrent loans to loans | 2.8816% | 382 |
| Net loans and leases to total assets | 76.6935% | 1,185 |
| Net loans and leases to deposits | 94.9507% | 1,000 |
| Net loans and leases to core deposits | 97.9713% | 1,628 |
| Total domestic deposits to total assets | 80.7719% | 3,715 |
| Equity capital to assets | 10.5073% | 3,312 |
| Core capital (leverage) ratio | 10.3484% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1896% | 2,198 |
| Memoranda: | ||
| Average total assets | $402,963,500 | 1,759 |
| Average earning assets | $375,428,000 | 1,762 |
| Average equity | $42,445,000 | 1,897 |
| Average total loans | $314,152,500 | 1,580 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3763% | 702 |
| Cost of funding earning assets | 1.1384% | 1,198 |
| Net interest margin | 4.2379% | 1,236 |
| Noninterest income to average assets | 2.1126% | 239 |
| Noninterest expense to average assets | 3.7237% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.3378% | 173 |
| Return on assets (ROA) | 2.3860% | 168 |
| Pretax return on assets | 2.3958% | 250 |
| Return on Equity (ROE) | 25.1629% | 74 |
| Retained earnings to average equity (ytd only) | 7.6355% | 1,102 |
| Net charge-offs to loans | 0.2712% | 767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 10.9248% | 2,537 |
| Efficiency ratio | 61.3332% | 3,490 |
| Assets per employee ($millions) | 3.5987% | 4,372 |
| Cash dividends to net income (ytd only)* | 69.6556% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 2,491 |
| Loan loss allowance to noncurrent loans | 80.2564% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.1894% | 993 |
| Noncurrent loans to loans | 1.4836% | 981 |
| Net loans and leases to total assets | 77.3342% | 1,195 |
| Net loans and leases to deposits | 93.2329% | 1,223 |
| Net loans and leases to core deposits | 103.7810% | 1,246 |
| Total domestic deposits to total assets | 82.9474% | 3,213 |
| Equity capital to assets | 10.5592% | 3,391 |
| Core capital (leverage) ratio | 9.7144% | 3,829 |
| Tier 1 risk-based capital ratio | 13.1589% | 3,710 |
| Total risk-based capital ratio | 14.3630% | 3,621 |
| Memoranda: | ||
| Average total assets | $427,204,200 | 1,641 |
| Average earning assets | $399,069,200 | 1,636 |
| Average equity | $40,508,000 | 1,909 |
| Average total loans | $338,468,800 | 1,465 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2971% | 867 |
| Cost of funding earning assets | 1.1002% | 1,360 |
| Net interest margin | 4.1970% | 1,385 |
| Noninterest income to average assets | 0.6420% | 2,024 |
| Noninterest expense to average assets | 3.6840% | 767 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8703% | 3,452 |
| Return on assets (ROA) | 0.9331% | 3,295 |
| Pretax return on assets | 0.9414% | 3,763 |
| Return on Equity (ROE) | 10.1056% | 2,385 |
| Retained earnings to average equity (ytd only) | 6.1060% | 2,322 |
| Net charge-offs to loans | 0.1348% | 1,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 8.1982% | 2,679 |
| Efficiency ratio | 80.7542% | 859 |
| Assets per employee ($millions) | 3.5043% | 4,496 |
| Cash dividends to net income (ytd only)* | 39.5778% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,317 |
| Loan loss allowance to noncurrent loans | 55.5327% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.8869% | 498 |
| Noncurrent loans to loans | 2.2215% | 566 |
| Net loans and leases to total assets | 80.3500% | 804 |
| Net loans and leases to deposits | 92.3557% | 1,392 |
| Net loans and leases to core deposits | 100.8274% | 1,595 |
| Total domestic deposits to total assets | 87.0006% | 1,515 |
| Equity capital to assets | 9.6745% | 4,312 |
| Core capital (leverage) ratio | 9.1814% | 4,494 |
| Tier 1 risk-based capital ratio | 11.0820% | 4,872 |
| Total risk-based capital ratio | 12.2876% | 4,782 |
| Memoranda: | ||
| Average total assets | $433,250,000 | 1,625 |
| Average earning assets | $404,662,000 | 1,608 |
| Average equity | $40,003,250 | 1,939 |
| Average total loans | $344,222,500 | 1,454 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2052% | 973 |
| Cost of funding earning assets | 1.0732% | 1,405 |
| Net interest margin | 4.1320% | 1,518 |
| Noninterest income to average assets | 0.5341% | 2,478 |
| Noninterest expense to average assets | 3.7333% | 720 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6572% | 4,140 |
| Return on assets (ROA) | 0.6659% | 4,164 |
| Pretax return on assets | 0.6742% | 4,394 |
| Return on Equity (ROE) | 7.3280% | 3,559 |
| Retained earnings to average equity (ytd only) | 4.2852% | 3,107 |
| Net charge-offs to loans | 0.1362% | 1,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 6.1974% | 2,593 |
| Efficiency ratio | 84.8717% | 600 |
| Assets per employee ($millions) | 3.4299% | 4,578 |
| Cash dividends to net income (ytd only)* | 41.5225% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 2,123 |
| Loan loss allowance to noncurrent loans | 51.1045% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 2.0903% | 430 |
| Noncurrent loans to loans | 2.4922% | 480 |
| Net loans and leases to total assets | 78.4283% | 1,142 |
| Net loans and leases to deposits | 90.1891% | 1,716 |
| Net loans and leases to core deposits | 99.7916% | 1,744 |
| Total domestic deposits to total assets | 86.9599% | 1,611 |
| Equity capital to assets | 9.2910% | 4,584 |
| Core capital (leverage) ratio | 9.0489% | 4,593 |
| Tier 1 risk-based capital ratio | 10.7640% | 5,007 |
| Total risk-based capital ratio | 11.9983% | 4,931 |
| Memoranda: | ||
| Average total assets | $433,990,670 | 1,620 |
| Average earning assets | $405,900,330 | 1,610 |
| Average equity | $39,437,670 | 1,958 |
| Average total loans | $342,077,670 | 1,466 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1011% | 1,092 |
| Cost of funding earning assets | 1.0323% | 1,438 |
| Net interest margin | 4.0688% | 1,644 |
| Noninterest income to average assets | 0.5136% | 2,478 |
| Noninterest expense to average assets | 3.6090% | 840 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6925% | 3,963 |
| Return on assets (ROA) | 0.6925% | 4,003 |
| Pretax return on assets | 0.7009% | 4,297 |
| Return on Equity (ROE) | 7.7087% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.7087% | 1,767 |
| Net charge-offs to loans | 0.3460% | 449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.5802% | 2,479 |
| Efficiency ratio | 83.7384% | 729 |
| Assets per employee ($millions) | 3.3188% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 2,032 |
| Loan loss allowance to noncurrent loans | 62.6394% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.9473% | 524 |
| Noncurrent loans to loans | 2.0964% | 702 |
| Net loans and leases to total assets | 76.9027% | 1,330 |
| Net loans and leases to deposits | 88.4859% | 1,808 |
| Net loans and leases to core deposits | 95.9081% | 1,933 |
| Total domestic deposits to total assets | 86.9095% | 1,861 |
| Equity capital to assets | 9.2725% | 4,456 |
| Core capital (leverage) ratio | 9.2074% | 4,463 |
| Tier 1 risk-based capital ratio | 11.6285% | 4,673 |
| Total risk-based capital ratio | 12.8794% | 4,550 |
| Memoranda: | ||
| Average total assets | $431,471,500 | 1,628 |
| Average earning assets | $402,580,500 | 1,624 |
| Average equity | $38,761,500 | 1,981 |
| Average total loans | $338,734,000 | 1,484 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1324% | 792 |
| Cost of funding earning assets | 0.7658% | 1,710 |
| Net interest margin | 4.3666% | 1,008 |
| Noninterest income to average assets | 0.7053% | 1,833 |
| Noninterest expense to average assets | 4.3051% | 364 |
| Loan and lease loss provision to assets | 0.1188% | 1,857 |
| Net operating income to assets | 0.3695% | 4,908 |
| Return on assets (ROA) | 0.3713% | 4,899 |
| Pretax return on assets | 0.3782% | 4,958 |
| Return on Equity (ROE) | 4.0591% | 4,696 |
| Retained earnings to average equity (ytd only) | -2.5633% | 5,156 |
| Net charge-offs to loans | 0.2219% | 875 |
| Credit loss provision to net charge-offs | 63.4518% | 3,062 |
| Earnings coverage of net charge-offs (x) | 2.6447% | 3,502 |
| Efficiency ratio | 89.6862% | 359 |
| Assets per employee ($millions) | 3.3970% | 4,660 |
| Cash dividends to net income (ytd only)* | 163.1478% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 1,798 |
| Loan loss allowance to noncurrent loans | 46.4751% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 2.9242% | 224 |
| Noncurrent loans to loans | 2.9249% | 354 |
| Net loans and leases to total assets | 78.0035% | 1,270 |
| Net loans and leases to deposits | 89.1392% | 1,908 |
| Net loans and leases to core deposits | 95.9153% | 2,070 |
| Total domestic deposits to total assets | 87.5076% | 1,530 |
| Equity capital to assets | 8.6991% | 4,802 |
| Core capital (leverage) ratio | 9.0361% | 4,620 |
| Tier 1 risk-based capital ratio | 10.8494% | 5,045 |
| Total risk-based capital ratio | 12.1003% | 4,933 |
| Memoranda: | ||
| Average total assets | $420,938,000 | 1,623 |
| Average earning assets | $394,746,200 | 1,605 |
| Average equity | $38,505,800 | 1,916 |
| Average total loans | $355,189,000 | 1,384 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0857% | 784 |
| Cost of funding earning assets | 0.6942% | 1,873 |
| Net interest margin | 4.3915% | 915 |
| Noninterest income to average assets | 0.8974% | 1,208 |
| Noninterest expense to average assets | 4.2046% | 395 |
| Loan and lease loss provision to assets | 0.1597% | 1,210 |
| Net operating income to assets | 0.6554% | 4,348 |
| Return on assets (ROA) | 0.6579% | 4,361 |
| Pretax return on assets | 0.6656% | 4,611 |
| Return on Equity (ROE) | 7.1016% | 3,897 |
| Retained earnings to average equity (ytd only) | 0.8963% | 4,883 |
| Net charge-offs to loans | 0.0812% | 1,708 |
| Credit loss provision to net charge-offs | 229.3578% | 1,254 |
| Earnings coverage of net charge-offs (x) | 11.8165% | 2,490 |
| Efficiency ratio | 83.6351% | 670 |
| Assets per employee ($millions) | 3.1955% | 4,889 |
| Cash dividends to net income (ytd only)* | 87.3786% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 1,439 |
| Loan loss allowance to noncurrent loans | 35.1192% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 3.6521% | 151 |
| Noncurrent loans to loans | 4.1993% | 189 |
| Net loans and leases to total assets | 83.6917% | 490 |
| Net loans and leases to deposits | 97.5388% | 992 |
| Net loans and leases to core deposits | 108.2917% | 1,149 |
| Total domestic deposits to total assets | 85.8035% | 2,284 |
| Equity capital to assets | 9.1904% | 4,378 |
| Core capital (leverage) ratio | 9.2472% | 4,462 |
| Tier 1 risk-based capital ratio | 10.9524% | 5,059 |
| Total risk-based capital ratio | 12.2050% | 4,959 |
| Memoranda: | ||
| Average total assets | $417,468,750 | 1,648 |
| Average earning assets | $392,593,000 | 1,623 |
| Average equity | $38,676,000 | 1,923 |
| Average total loans | $358,025,000 | 1,372 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9782% | 863 |
| Cost of funding earning assets | 0.5942% | 2,264 |
| Net interest margin | 4.3840% | 882 |
| Noninterest income to average assets | 0.9792% | 992 |
| Noninterest expense to average assets | 4.4801% | 300 |
| Loan and lease loss provision to assets | 0.2398% | 656 |
| Net operating income to assets | 0.3736% | 5,014 |
| Return on assets (ROA) | 0.3769% | 5,008 |
| Pretax return on assets | 0.3841% | 5,061 |
| Return on Equity (ROE) | 4.0574% | 4,806 |
| Retained earnings to average equity (ytd only) | -0.0723% | 4,968 |
| Net charge-offs to loans | 0.4548% | 338 |
| Credit loss provision to net charge-offs | 61.2745% | 2,419 |
| Earnings coverage of net charge-offs (x) | 1.5858% | 3,049 |
| Efficiency ratio | 87.8349% | 480 |
| Assets per employee ($millions) | 3.1831% | 4,946 |
| Cash dividends to net income (ytd only)* | 101.7812% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 2,325 |
| Loan loss allowance to noncurrent loans | 43.3100% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 2.7494% | 294 |
| Noncurrent loans to loans | 2.9315% | 395 |
| Net loans and leases to total assets | 84.6853% | 383 |
| Net loans and leases to deposits | 98.6848% | 912 |
| Net loans and leases to core deposits | 110.7177% | 953 |
| Total domestic deposits to total assets | 85.8140% | 2,365 |
| Equity capital to assets | 9.0324% | 4,531 |
| Core capital (leverage) ratio | 9.4511% | 4,178 |
| Tier 1 risk-based capital ratio | 10.5558% | 5,248 |
| Total risk-based capital ratio | 11.8059% | 5,148 |
| Memoranda: | ||
| Average total assets | $417,088,670 | 1,649 |
| Average earning assets | $392,108,670 | 1,630 |
| Average equity | $38,744,000 | 1,914 |
| Average total loans | $358,838,330 | 1,367 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9450% | 791 |
| Cost of funding earning assets | 0.5096% | 2,724 |
| Net interest margin | 4.4354% | 710 |
| Noninterest income to average assets | 0.6819% | 1,903 |
| Noninterest expense to average assets | 3.7646% | 701 |
| Loan and lease loss provision to assets | 0.4850% | 216 |
| Net operating income to assets | 0.5860% | 4,464 |
| Return on assets (ROA) | 0.5936% | 4,446 |
| Pretax return on assets | 0.6024% | 4,680 |
| Return on Equity (ROE) | 6.3007% | 4,057 |
| Retained earnings to average equity (ytd only) | -1.9355% | 5,006 |
| Net charge-offs to loans | 0.0034% | 2,616 |
| Credit loss provision to net charge-offs | 16,666.6667% | 13 |
| Earnings coverage of net charge-offs (x) | 371.0000% | 183 |
| Efficiency ratio | 77.7133% | 1,379 |
| Assets per employee ($millions) | 3.3275% | 4,872 |
| Cash dividends to net income (ytd only)* | 130.7190% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 1,378 |
| Loan loss allowance to noncurrent loans | 57.3545% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.8474% | 290 |
| Noncurrent loans to loans | 2.6558% | 487 |
| Net loans and leases to total assets | 85.5340% | 295 |
| Net loans and leases to deposits | 101.6018% | 605 |
| Net loans and leases to core deposits | 114.1745% | 798 |
| Total domestic deposits to total assets | 84.1855% | 3,249 |
| Equity capital to assets | 9.3201% | 4,250 |
| Core capital (leverage) ratio | 9.5102% | 4,057 |
| Tier 1 risk-based capital ratio | 10.8934% | 5,192 |
| Total risk-based capital ratio | 12.1468% | 5,095 |
| Memoranda: | ||
| Average total assets | $412,367,000 | 1,676 |
| Average earning assets | $386,976,000 | 1,664 |
| Average equity | $38,853,000 | 1,921 |
| Average total loans | $355,330,000 | 1,380 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 937 |
| Cost of funding earning assets | 0.4151% | 3,096 |
| Net interest margin | 4.4054% | 754 |
| Noninterest income to average assets | 0.7738% | 1,671 |
| Noninterest expense to average assets | 3.8788% | 631 |
| Loan and lease loss provision to assets | 0.3409% | 478 |
| Net operating income to assets | 0.6674% | 3,742 |
| Return on assets (ROA) | 0.6803% | 3,734 |
| Pretax return on assets | 0.6869% | 4,541 |
| Return on Equity (ROE) | 6.6490% | 3,452 |
| Retained earnings to average equity (ytd only) | -4.4576% | 5,417 |
| Net charge-offs to loans | 0.1341% | 1,715 |
| Credit loss provision to net charge-offs | 302.7211% | 935 |
| Earnings coverage of net charge-offs (x) | 9.0113% | 2,834 |
| Efficiency ratio | 79.2621% | 1,186 |
| Assets per employee ($millions) | 3.1459% | 5,087 |
| Cash dividends to net income (ytd only)* | 167.0420% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 1,734 |
| Loan loss allowance to noncurrent loans | 146.5879% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 1.3804% | 1,026 |
| Noncurrent loans to loans | 0.9609% | 1,842 |
| Net loans and leases to total assets | 84.2749% | 420 |
| Net loans and leases to deposits | 100.1739% | 717 |
| Net loans and leases to core deposits | 108.1329% | 1,121 |
| Total domestic deposits to total assets | 84.1286% | 3,158 |
| Equity capital to assets | 9.5239% | 4,215 |
| Core capital (leverage) ratio | 9.7164% | 3,791 |
| Tier 1 risk-based capital ratio | 11.0778% | 5,102 |
| Total risk-based capital ratio | 12.3297% | 4,984 |
| Memoranda: | ||
| Average total assets | $391,591,200 | 1,744 |
| Average earning assets | $366,211,800 | 1,730 |
| Average equity | $40,066,400 | 1,858 |
| Average total loans | $328,864,000 | 1,453 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7706% | 982 |
| Cost of funding earning assets | 0.4062% | 3,122 |
| Net interest margin | 4.3644% | 796 |
| Noninterest income to average assets | 0.7828% | 1,650 |
| Noninterest expense to average assets | 3.8861% | 605 |
| Loan and lease loss provision to assets | 0.2881% | 552 |
| Net operating income to assets | 0.6833% | 4,060 |
| Return on assets (ROA) | 0.7007% | 4,039 |
| Pretax return on assets | 0.7076% | 4,590 |
| Return on Equity (ROE) | 6.7244% | 3,801 |
| Retained earnings to average equity (ytd only) | -6.3535% | 5,573 |
| Net charge-offs to loans | -0.0442% | 5,128 |
| Credit loss provision to net charge-offs | -780.3738% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8922% | 1,119 |
| Assets per employee ($millions) | 2.9585% | 5,291 |
| Cash dividends to net income (ytd only)* | 194.4858% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 1,598 |
| Loan loss allowance to noncurrent loans | 45.9626% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 3.3117% | 250 |
| Noncurrent loans to loans | 3.2297% | 362 |
| Net loans and leases to total assets | 83.8525% | 446 |
| Net loans and leases to deposits | 99.9735% | 750 |
| Net loans and leases to core deposits | 112.9123% | 893 |
| Total domestic deposits to total assets | 83.8747% | 3,165 |
| Equity capital to assets | 9.9730% | 3,939 |
| Core capital (leverage) ratio | 9.9051% | 3,687 |
| Tier 1 risk-based capital ratio | 11.3047% | 5,071 |
| Total risk-based capital ratio | 12.5573% | 4,964 |
| Memoranda: | ||
| Average total assets | $386,459,250 | 1,775 |
| Average earning assets | $361,397,500 | 1,755 |
| Average equity | $40,270,500 | 1,864 |
| Average total loans | $323,011,250 | 1,480 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 1,142 |
| Cost of funding earning assets | 0.3740% | 3,350 |
| Net interest margin | 4.2860% | 897 |
| Noninterest income to average assets | 0.8128% | 1,523 |
| Noninterest expense to average assets | 3.8838% | 603 |
| Loan and lease loss provision to assets | 0.0313% | 3,372 |
| Net operating income to assets | 0.8932% | 2,944 |
| Return on assets (ROA) | 0.8932% | 3,003 |
| Pretax return on assets | 0.9057% | 3,913 |
| Return on Equity (ROE) | 8.4463% | 2,807 |
| Retained earnings to average equity (ytd only) | -11.0527% | 5,668 |
| Net charge-offs to loans | -0.0660% | 5,282 |
| Credit loss provision to net charge-offs | -57.1429% | 4,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5631% | 1,155 |
| Assets per employee ($millions) | 3.0011% | 5,267 |
| Cash dividends to net income (ytd only)* | 230.8591% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,450 |
| Loan loss allowance to noncurrent loans | 268.1876% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 1,770 |
| Noncurrent loans to loans | 0.4818% | 3,305 |
| Net loans and leases to total assets | 84.1615% | 428 |
| Net loans and leases to deposits | 106.6705% | 374 |
| Net loans and leases to core deposits | 112.3405% | 887 |
| Total domestic deposits to total assets | 78.8985% | 4,639 |
| Equity capital to assets | 10.2317% | 3,643 |
| Core capital (leverage) ratio | 10.3338% | 3,098 |
| Tier 1 risk-based capital ratio | 11.7184% | 4,830 |
| Total risk-based capital ratio | 12.9689% | 4,708 |
| Memoranda: | ||
| Average total assets | $383,132,670 | 1,794 |
| Average earning assets | $358,281,330 | 1,774 |
| Average equity | $40,515,000 | 1,849 |
| Average total loans | $318,204,000 | 1,493 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4391% | 1,531 |
| Cost of funding earning assets | 0.3724% | 3,282 |
| Net interest margin | 4.0667% | 1,309 |
| Noninterest income to average assets | 0.7234% | 1,858 |
| Noninterest expense to average assets | 3.8565% | 635 |
| Loan and lease loss provision to assets | 0.0627% | 2,550 |
| Net operating income to assets | 0.5927% | 4,193 |
| Return on assets (ROA) | 0.5927% | 4,240 |
| Pretax return on assets | 0.6053% | 4,718 |
| Return on Equity (ROE) | 5.5155% | 4,139 |
| Retained earnings to average equity (ytd only) | -3.7256% | 5,311 |
| Net charge-offs to loans | 0.0714% | 1,614 |
| Credit loss provision to net charge-offs | 107.1429% | 1,498 |
| Earnings coverage of net charge-offs (x) | 11.4107% | 1,895 |
| Efficiency ratio | 85.2357% | 869 |
| Assets per employee ($millions) | 2.8948% | 5,433 |
| Cash dividends to net income (ytd only)* | 167.5485% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,534 |
| Loan loss allowance to noncurrent loans | 276.7505% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 1,875 |
| Noncurrent loans to loans | 0.4699% | 3,408 |
| Net loans and leases to total assets | 82.1088% | 556 |
| Net loans and leases to deposits | 99.2691% | 663 |
| Net loans and leases to core deposits | 105.9128% | 1,107 |
| Total domestic deposits to total assets | 82.7133% | 3,943 |
| Equity capital to assets | 10.8836% | 2,763 |
| Core capital (leverage) ratio | 10.8228% | 2,577 |
| Tier 1 risk-based capital ratio | 12.8167% | 4,191 |
| Total risk-based capital ratio | 14.0673% | 4,088 |
| Memoranda: | ||
| Average total assets | $382,629,500 | 1,806 |
| Average earning assets | $357,640,500 | 1,785 |
| Average equity | $41,120,500 | 1,816 |
| Average total loans | $313,541,500 | 1,514 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 1,065 |
| Cost of funding earning assets | 0.3753% | 3,259 |
| Net interest margin | 4.3228% | 893 |
| Noninterest income to average assets | 0.7196% | 2,080 |
| Noninterest expense to average assets | 3.8383% | 744 |
| Loan and lease loss provision to assets | 0.0841% | 2,678 |
| Net operating income to assets | 0.8441% | 3,091 |
| Return on assets (ROA) | 0.8175% | 3,330 |
| Pretax return on assets | 0.8296% | 4,092 |
| Return on Equity (ROE) | 7.7950% | 3,058 |
| Retained earnings to average equity (ytd only) | 5.6359% | 1,928 |
| Net charge-offs to loans | 0.1660% | 1,628 |
| Credit loss provision to net charge-offs | 61.4367% | 3,223 |
| Earnings coverage of net charge-offs (x) | 6.8715% | 3,106 |
| Efficiency ratio | 80.3173% | 1,381 |
| Assets per employee ($millions) | 3.0625% | 5,306 |
| Cash dividends to net income (ytd only)* | 27.6986% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,572 |
| Loan loss allowance to noncurrent loans | 115.4086% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.9976% | 1,903 |
| Noncurrent loans to loans | 1.1222% | 1,836 |
| Net loans and leases to total assets | 79.6920% | 935 |
| Net loans and leases to deposits | 96.0059% | 992 |
| Net loans and leases to core deposits | 104.0173% | 1,279 |
| Total domestic deposits to total assets | 83.0074% | 3,765 |
| Equity capital to assets | 10.6145% | 3,024 |
| Core capital (leverage) ratio | 10.6631% | 2,703 |
| Tier 1 risk-based capital ratio | 12.9668% | 4,100 |
| Total risk-based capital ratio | 14.2173% | 4,002 |
| Memoranda: | ||
| Average total assets | $386,443,600 | 1,737 |
| Average earning assets | $362,892,800 | 1,712 |
| Average equity | $40,526,000 | 1,828 |
| Average total loans | $318,594,400 | 1,456 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7475% | 986 |
| Cost of funding earning assets | 0.3733% | 3,301 |
| Net interest margin | 4.3742% | 813 |
| Noninterest income to average assets | 0.6400% | 2,479 |
| Noninterest expense to average assets | 3.6175% | 971 |
| Loan and lease loss provision to assets | 0.1123% | 2,049 |
| Net operating income to assets | 1.0077% | 2,399 |
| Return on assets (ROA) | 1.0084% | 2,530 |
| Pretax return on assets | 1.0212% | 3,548 |
| Return on Equity (ROE) | 9.6453% | 2,208 |
| Retained earnings to average equity (ytd only) | 6.7530% | 1,752 |
| Net charge-offs to loans | 0.1693% | 1,357 |
| Credit loss provision to net charge-offs | 80.0493% | 2,659 |
| Earnings coverage of net charge-offs (x) | 8.0739% | 2,816 |
| Efficiency ratio | 76.1531% | 1,957 |
| Assets per employee ($millions) | 2.8427% | 5,514 |
| Cash dividends to net income (ytd only)* | 29.9864% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 2,586 |
| Loan loss allowance to noncurrent loans | 197.6415% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 2,931 |
| Noncurrent loans to loans | 0.6666% | 3,031 |
| Net loans and leases to total assets | 81.7833% | 651 |
| Net loans and leases to deposits | 100.6065% | 672 |
| Net loans and leases to core deposits | 113.8586% | 725 |
| Total domestic deposits to total assets | 81.2903% | 4,170 |
| Equity capital to assets | 10.8123% | 3,231 |
| Core capital (leverage) ratio | 10.8944% | 2,572 |
| Tier 1 risk-based capital ratio | 12.6377% | 4,378 |
| Total risk-based capital ratio | 13.8885% | 4,291 |
| Memoranda: | ||
| Average total assets | $385,819,500 | 1,738 |
| Average earning assets | $362,537,500 | 1,715 |
| Average equity | $40,336,500 | 1,848 |
| Average total loans | $319,737,750 | 1,454 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8248% | 844 |
| Cost of funding earning assets | 0.3746% | 3,307 |
| Net interest margin | 4.4502% | 691 |
| Noninterest income to average assets | 0.6546% | 2,351 |
| Noninterest expense to average assets | 3.6636% | 924 |
| Loan and lease loss provision to assets | 0.1164% | 1,947 |
| Net operating income to assets | 1.0536% | 2,153 |
| Return on assets (ROA) | 1.0546% | 2,274 |
| Pretax return on assets | 1.0680% | 3,332 |
| Return on Equity (ROE) | 10.2026% | 1,965 |
| Retained earnings to average equity (ytd only) | 5.8222% | 2,228 |
| Net charge-offs to loans | 0.1474% | 1,447 |
| Credit loss provision to net charge-offs | 95.3390% | 2,177 |
| Earnings coverage of net charge-offs (x) | 9.6907% | 2,391 |
| Efficiency ratio | 75.5845% | 2,137 |
| Assets per employee ($millions) | 2.7509% | 5,643 |
| Cash dividends to net income (ytd only)* | 42.9342% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 2,500 |
| Loan loss allowance to noncurrent loans | 412.3911% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 3,771 |
| Noncurrent loans to loans | 0.3290% | 4,189 |
| Net loans and leases to total assets | 82.1906% | 606 |
| Net loans and leases to deposits | 97.7102% | 914 |
| Net loans and leases to core deposits | 109.2512% | 967 |
| Total domestic deposits to total assets | 84.1167% | 3,220 |
| Equity capital to assets | 10.7745% | 3,315 |
| Core capital (leverage) ratio | 10.6081% | 2,843 |
| Tier 1 risk-based capital ratio | 12.2418% | 4,678 |
| Total risk-based capital ratio | 13.4928% | 4,598 |
| Memoranda: | ||
| Average total assets | $386,503,330 | 1,735 |
| Average earning assets | $364,115,000 | 1,710 |
| Average equity | $39,950,670 | 1,858 |
| Average total loans | $320,301,000 | 1,455 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7002% | 1,051 |
| Cost of funding earning assets | 0.3716% | 3,379 |
| Net interest margin | 4.3285% | 873 |
| Noninterest income to average assets | 0.5949% | 2,564 |
| Noninterest expense to average assets | 3.5429% | 1,106 |
| Loan and lease loss provision to assets | 0.2300% | 803 |
| Net operating income to assets | 0.8944% | 2,784 |
| Return on assets (ROA) | 0.8944% | 2,910 |
| Pretax return on assets | 0.9057% | 3,823 |
| Return on Equity (ROE) | 8.8334% | 2,502 |
| Retained earnings to average equity (ytd only) | 8.8334% | 1,164 |
| Net charge-offs to loans | 0.4972% | 442 |
| Credit loss provision to net charge-offs | 55.9701% | 2,005 |
| Earnings coverage of net charge-offs (x) | 2.7637% | 2,638 |
| Efficiency ratio | 75.7265% | 2,215 |
| Assets per employee ($millions) | 2.9539% | 5,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 2,970 |
| Loan loss allowance to noncurrent loans | 173.1078% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 2,967 |
| Noncurrent loans to loans | 0.7445% | 2,972 |
| Net loans and leases to total assets | 79.8194% | 843 |
| Net loans and leases to deposits | 94.0129% | 1,145 |
| Net loans and leases to core deposits | 111.2467% | 795 |
| Total domestic deposits to total assets | 84.9026% | 3,163 |
| Equity capital to assets | 10.2308% | 3,816 |
| Core capital (leverage) ratio | 10.2630% | 3,248 |
| Tier 1 risk-based capital ratio | 11.9538% | 4,939 |
| Total risk-based capital ratio | 13.2039% | 4,856 |
| Memoranda: | ||
| Average total assets | $391,315,000 | 1,727 |
| Average earning assets | $369,177,500 | 1,685 |
| Average equity | $39,622,500 | 1,864 |
| Average total loans | $323,441,500 | 1,434 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 1,612 |
| Cost of funding earning assets | 0.3592% | 3,595 |
| Net interest margin | 4.1370% | 1,316 |
| Noninterest income to average assets | 0.8079% | 1,759 |
| Noninterest expense to average assets | 3.6270% | 1,076 |
| Loan and lease loss provision to assets | 0.2264% | 896 |
| Net operating income to assets | 0.8217% | 3,238 |
| Return on assets (ROA) | 0.8250% | 3,305 |
| Pretax return on assets | 0.8134% | 4,147 |
| Return on Equity (ROE) | 7.9144% | 2,997 |
| Retained earnings to average equity (ytd only) | -8.9761% | 6,023 |
| Net charge-offs to loans | 0.3326% | 893 |
| Credit loss provision to net charge-offs | 84.1121% | 2,877 |
| Earnings coverage of net charge-offs (x) | 3.8514% | 3,650 |
| Efficiency ratio | 77.7736% | 2,001 |
| Assets per employee ($millions) | 3.0214% | 5,505 |
| Cash dividends to net income (ytd only)* | 213.4146% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,922 |
| Loan loss allowance to noncurrent loans | 201.7478% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 3,266 |
| Noncurrent loans to loans | 0.6431% | 3,255 |
| Net loans and leases to total assets | 83.3670% | 441 |
| Net loans and leases to deposits | 98.5778% | 775 |
| Net loans and leases to core deposits | 113.0633% | 725 |
| Total domestic deposits to total assets | 84.5698% | 3,262 |
| Equity capital to assets | 10.0193% | 3,933 |
| Core capital (leverage) ratio | 9.9234% | 3,615 |
| Tier 1 risk-based capital ratio | 11.1327% | 5,450 |
| Total risk-based capital ratio | 12.3828% | 5,354 |
| Memoranda: | ||
| Average total assets | $397,571,000 | 1,661 |
| Average earning assets | $370,534,400 | 1,639 |
| Average equity | $41,443,400 | 1,746 |
| Average total loans | $321,665,800 | 1,381 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 1,628 |
| Cost of funding earning assets | 0.3592% | 3,660 |
| Net interest margin | 4.1283% | 1,326 |
| Noninterest income to average assets | 0.7729% | 1,918 |
| Noninterest expense to average assets | 3.6686% | 1,022 |
| Loan and lease loss provision to assets | 0.0667% | 2,846 |
| Net operating income to assets | 0.8950% | 2,985 |
| Return on assets (ROA) | 0.8950% | 3,072 |
| Pretax return on assets | 0.8770% | 4,060 |
| Return on Equity (ROE) | 8.5057% | 2,823 |
| Retained earnings to average equity (ytd only) | -4.1799% | 6,001 |
| Net charge-offs to loans | 0.1730% | 1,442 |
| Credit loss provision to net charge-offs | 48.1928% | 3,062 |
| Earnings coverage of net charge-offs (x) | 6.8144% | 2,998 |
| Efficiency ratio | 79.5384% | 1,723 |
| Assets per employee ($millions) | 2.9083% | 5,647 |
| Cash dividends to net income (ytd only)* | 149.1425% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 3,041 |
| Loan loss allowance to noncurrent loans | 98.9927% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.2623% | 1,855 |
| Noncurrent loans to loans | 1.3223% | 1,928 |
| Net loans and leases to total assets | 81.1533% | 684 |
| Net loans and leases to deposits | 98.7189% | 750 |
| Net loans and leases to core deposits | 116.4663% | 569 |
| Total domestic deposits to total assets | 82.2065% | 4,100 |
| Equity capital to assets | 10.6031% | 3,469 |
| Core capital (leverage) ratio | 10.3342% | 3,217 |
| Tier 1 risk-based capital ratio | 12.0284% | 5,067 |
| Total risk-based capital ratio | 13.2785% | 4,980 |
| Memoranda: | ||
| Average total assets | $399,522,000 | 1,662 |
| Average earning assets | $371,571,750 | 1,647 |
| Average equity | $42,041,250 | 1,750 |
| Average total loans | $319,780,250 | 1,396 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 1,636 |
| Cost of funding earning assets | 0.3564% | 3,740 |
| Net interest margin | 4.1114% | 1,326 |
| Noninterest income to average assets | 0.7605% | 1,947 |
| Noninterest expense to average assets | 3.6922% | 997 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9133% | 2,806 |
| Return on assets (ROA) | 0.9133% | 2,937 |
| Pretax return on assets | 0.8805% | 4,029 |
| Return on Equity (ROE) | 8.7012% | 2,701 |
| Retained earnings to average equity (ytd only) | -10.2659% | 6,182 |
| Net charge-offs to loans | 0.0301% | 3,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 36.8542% | 1,190 |
| Efficiency ratio | 80.7445% | 1,654 |
| Assets per employee ($millions) | 2.9066% | 5,703 |
| Cash dividends to net income (ytd only)* | 217.9837% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 2,984 |
| Loan loss allowance to noncurrent loans | 101.6659% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.4410% | 1,730 |
| Noncurrent loans to loans | 1.3285% | 2,024 |
| Net loans and leases to total assets | 80.5939% | 726 |
| Net loans and leases to deposits | 96.4724% | 912 |
| Net loans and leases to core deposits | 116.5179% | 574 |
| Total domestic deposits to total assets | 83.5409% | 3,747 |
| Equity capital to assets | 10.1944% | 3,810 |
| Core capital (leverage) ratio | 10.3054% | 3,213 |
| Tier 1 risk-based capital ratio | 11.6524% | 5,368 |
| Total risk-based capital ratio | 12.9030% | 5,286 |
| Memoranda: | ||
| Average total assets | $401,822,330 | 1,663 |
| Average earning assets | $372,578,330 | 1,649 |
| Average equity | $42,178,330 | 1,756 |
| Average total loans | $318,756,670 | 1,405 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 1,582 |
| Cost of funding earning assets | 0.3581% | 3,772 |
| Net interest margin | 4.1024% | 1,267 |
| Noninterest income to average assets | 0.7343% | 1,994 |
| Noninterest expense to average assets | 3.6310% | 1,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9632% | 2,428 |
| Return on assets (ROA) | 0.9632% | 2,562 |
| Pretax return on assets | 0.8840% | 3,949 |
| Return on Equity (ROE) | 9.0481% | 2,423 |
| Retained earnings to average equity (ytd only) | -0.2606% | 5,426 |
| Net charge-offs to loans | -0.1116% | 5,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4214% | 1,846 |
| Assets per employee ($millions) | 2.7872% | 5,899 |
| Cash dividends to net income (ytd only)* | 102.8807% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 2,563 |
| Loan loss allowance to noncurrent loans | 106.0890% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.7323% | 1,439 |
| Noncurrent loans to loans | 1.3888% | 2,067 |
| Net loans and leases to total assets | 77.0824% | 1,048 |
| Net loans and leases to deposits | 90.4215% | 1,347 |
| Net loans and leases to core deposits | 109.4507% | 774 |
| Total domestic deposits to total assets | 85.2479% | 3,285 |
| Equity capital to assets | 10.9604% | 3,015 |
| Core capital (leverage) ratio | 10.8178% | 2,604 |
| Tier 1 risk-based capital ratio | 12.8754% | 4,676 |
| Total risk-based capital ratio | 14.1272% | 4,590 |
| Memoranda: | ||
| Average total assets | $403,634,000 | 1,658 |
| Average earning assets | $371,980,500 | 1,664 |
| Average equity | $42,970,500 | 1,727 |
| Average total loans | $315,476,000 | 1,418 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3726% | 2,312 |
| Cost of funding earning assets | 0.4012% | 3,675 |
| Net interest margin | 3.9714% | 1,969 |
| Noninterest income to average assets | 0.7278% | 2,171 |
| Noninterest expense to average assets | 3.4881% | 1,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8761% | 2,991 |
| Return on assets (ROA) | 0.9225% | 2,860 |
| Pretax return on assets | 0.9470% | 3,707 |
| Return on Equity (ROE) | 8.7860% | 2,687 |
| Retained earnings to average equity (ytd only) | 0.9275% | 5,366 |
| Net charge-offs to loans | 0.2124% | 1,971 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.5831% | 3,394 |
| Efficiency ratio | 79.2274% | 2,033 |
| Assets per employee ($millions) | 2.9381% | 5,777 |
| Cash dividends to net income (ytd only)* | 89.4440% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 3,076 |
| Loan loss allowance to noncurrent loans | 69.9811% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 2.1080% | 1,175 |
| Noncurrent loans to loans | 1.9617% | 1,427 |
| Net loans and leases to total assets | 77.0147% | 1,129 |
| Net loans and leases to deposits | 94.2727% | 1,052 |
| Net loans and leases to core deposits | 110.6798% | 749 |
| Total domestic deposits to total assets | 81.6935% | 4,531 |
| Equity capital to assets | 10.3475% | 3,665 |
| Core capital (leverage) ratio | 10.8436% | 2,560 |
| Tier 1 risk-based capital ratio | 12.2759% | 5,176 |
| Total risk-based capital ratio | 13.5268% | 5,088 |
| Memoranda: | ||
| Average total assets | $403,572,200 | 1,633 |
| Average earning assets | $371,885,000 | 1,623 |
| Average equity | $42,374,200 | 1,694 |
| Average total loans | $306,055,000 | 1,402 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 2,439 |
| Cost of funding earning assets | 0.4077% | 3,703 |
| Net interest margin | 3.9375% | 2,085 |
| Noninterest income to average assets | 0.6984% | 2,331 |
| Noninterest expense to average assets | 3.4608% | 1,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8563% | 3,145 |
| Return on assets (ROA) | 0.9186% | 2,923 |
| Pretax return on assets | 0.9445% | 3,807 |
| Return on Equity (ROE) | 8.7159% | 2,829 |
| Retained earnings to average equity (ytd only) | 1.6788% | 5,207 |
| Net charge-offs to loans | 0.2594% | 1,502 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.5094% | 3,441 |
| Efficiency ratio | 79.4377% | 1,997 |
| Assets per employee ($millions) | 2.6608% | 6,108 |
| Cash dividends to net income (ytd only)* | 80.7387% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 2,898 |
| Loan loss allowance to noncurrent loans | 65.0209% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 2.2563% | 1,213 |
| Noncurrent loans to loans | 2.2479% | 1,343 |
| Net loans and leases to total assets | 78.7032% | 865 |
| Net loans and leases to deposits | 97.2545% | 775 |
| Net loans and leases to core deposits | 111.7172% | 671 |
| Total domestic deposits to total assets | 80.9251% | 4,841 |
| Equity capital to assets | 11.0637% | 2,890 |
| Core capital (leverage) ratio | 11.0844% | 2,411 |
| Tier 1 risk-based capital ratio | 12.7674% | 4,995 |
| Total risk-based capital ratio | 14.0189% | 4,906 |
| Memoranda: | ||
| Average total assets | $400,897,000 | 1,657 |
| Average earning assets | $370,889,750 | 1,640 |
| Average equity | $42,251,000 | 1,710 |
| Average total loans | $301,695,750 | 1,423 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 2,735 |
| Cost of funding earning assets | 0.4148% | 3,707 |
| Net interest margin | 3.8454% | 2,399 |
| Noninterest income to average assets | 0.6282% | 2,663 |
| Noninterest expense to average assets | 3.4553% | 1,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6971% | 3,854 |
| Return on assets (ROA) | 0.7893% | 3,481 |
| Pretax return on assets | 0.8174% | 4,206 |
| Return on Equity (ROE) | 7.6093% | 3,315 |
| Retained earnings to average equity (ytd only) | 0.5795% | 5,510 |
| Net charge-offs to loans | 0.4761% | 844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.0561% | 3,651 |
| Efficiency ratio | 82.4154% | 1,701 |
| Assets per employee ($millions) | 2.7527% | 6,082 |
| Cash dividends to net income (ytd only)* | 92.3845% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 3,029 |
| Loan loss allowance to noncurrent loans | 60.1291% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 2.3775% | 1,226 |
| Noncurrent loans to loans | 2.4442% | 1,280 |
| Net loans and leases to total assets | 76.7108% | 1,084 |
| Net loans and leases to deposits | 90.9016% | 1,281 |
| Net loans and leases to core deposits | 105.6277% | 919 |
| Total domestic deposits to total assets | 84.3889% | 3,785 |
| Equity capital to assets | 11.0213% | 2,852 |
| Core capital (leverage) ratio | 10.8082% | 2,613 |
| Tier 1 risk-based capital ratio | 13.3470% | 4,692 |
| Total risk-based capital ratio | 14.5997% | 4,628 |
| Memoranda: | ||
| Average total assets | $405,926,000 | 1,641 |
| Average earning assets | $374,678,000 | 1,623 |
| Average equity | $42,106,330 | 1,702 |
| Average total loans | $299,544,670 | 1,432 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1453% | 3,103 |
| Cost of funding earning assets | 0.4135% | 3,830 |
| Net interest margin | 3.7318% | 2,741 |
| Noninterest income to average assets | 0.5575% | 3,001 |
| Noninterest expense to average assets | 3.2914% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6732% | 3,829 |
| Return on assets (ROA) | 0.8525% | 2,955 |
| Pretax return on assets | 0.8832% | 3,761 |
| Return on Equity (ROE) | 8.4612% | 2,704 |
| Retained earnings to average equity (ytd only) | 2.7570% | 4,433 |
| Net charge-offs to loans | 0.1505% | 1,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.4513% | 2,221 |
| Efficiency ratio | 82.2089% | 1,899 |
| Assets per employee ($millions) | 3.0142% | 5,836 |
| Cash dividends to net income (ytd only)* | 67.4157% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6988% | 2,361 |
| Loan loss allowance to noncurrent loans | 80.6546% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.9855% | 1,730 |
| Noncurrent loans to loans | 2.1063% | 1,745 |
| Net loans and leases to total assets | 70.2668% | 1,840 |
| Net loans and leases to deposits | 82.2797% | 2,019 |
| Net loans and leases to core deposits | 99.5435% | 1,131 |
| Total domestic deposits to total assets | 85.3999% | 3,672 |
| Equity capital to assets | 10.2932% | 3,483 |
| Core capital (leverage) ratio | 10.4562% | 2,983 |
| Tier 1 risk-based capital ratio | 13.3871% | 4,775 |
| Total risk-based capital ratio | 14.6424% | 4,700 |
| Memoranda: | ||
| Average total assets | $417,577,000 | 1,604 |
| Average earning assets | $384,049,500 | 1,603 |
| Average equity | $42,074,500 | 1,699 |
| Average total loans | $300,371,000 | 1,438 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 2,349 |
| Cost of funding earning assets | 0.4609% | 4,016 |
| Net interest margin | 4.0027% | 1,938 |
| Noninterest income to average assets | 0.5674% | 3,284 |
| Noninterest expense to average assets | 3.2870% | 2,174 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9333% | 2,630 |
| Return on assets (ROA) | 1.0386% | 2,235 |
| Pretax return on assets | 1.0663% | 3,085 |
| Return on Equity (ROE) | 9.8234% | 2,183 |
| Retained earnings to average equity (ytd only) | -5.8227% | 6,410 |
| Net charge-offs to loans | -0.0947% | 6,466 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0779% | 2,607 |
| Assets per employee ($millions) | 3.1972% | 5,491 |
| Cash dividends to net income (ytd only)* | 159.2737% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6544% | 2,551 |
| Loan loss allowance to noncurrent loans | 56.1611% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 2.2517% | 1,577 |
| Noncurrent loans to loans | 2.9459% | 1,180 |
| Net loans and leases to total assets | 71.1691% | 1,812 |
| Net loans and leases to deposits | 82.7488% | 2,103 |
| Net loans and leases to core deposits | 100.4878% | 1,116 |
| Total domestic deposits to total assets | 86.0062% | 3,252 |
| Equity capital to assets | 9.8663% | 3,944 |
| Core capital (leverage) ratio | 10.5418% | 2,865 |
| Tier 1 risk-based capital ratio | 12.6138% | 5,221 |
| Total risk-based capital ratio | 13.8685% | 5,166 |
| Memoranda: | ||
| Average total assets | $418,924,800 | 1,576 |
| Average earning assets | $384,869,600 | 1,569 |
| Average equity | $44,292,000 | 1,583 |
| Average total loans | $291,584,200 | 1,455 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 1,943 |
| Cost of funding earning assets | 0.4719% | 4,047 |
| Net interest margin | 4.1156% | 1,587 |
| Noninterest income to average assets | 0.6412% | 2,923 |
| Noninterest expense to average assets | 3.2621% | 2,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1527% | 1,798 |
| Return on assets (ROA) | 1.2951% | 1,433 |
| Pretax return on assets | 1.3220% | 2,249 |
| Return on Equity (ROE) | 12.0446% | 1,462 |
| Retained earnings to average equity (ytd only) | -4.0882% | 6,443 |
| Net charge-offs to loans | -0.4641% | 6,770 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1467% | 3,198 |
| Assets per employee ($millions) | 2.9303% | 5,956 |
| Cash dividends to net income (ytd only)* | 133.9418% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9467% | 1,862 |
| Loan loss allowance to noncurrent loans | 80.5763% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.8737% | 2,170 |
| Noncurrent loans to loans | 2.4160% | 1,815 |
| Net loans and leases to total assets | 72.9695% | 1,457 |
| Net loans and leases to deposits | 86.3892% | 1,573 |
| Net loans and leases to core deposits | 108.0557% | 664 |
| Total domestic deposits to total assets | 84.4660% | 3,997 |
| Equity capital to assets | 10.7679% | 2,994 |
| Core capital (leverage) ratio | 10.7927% | 2,680 |
| Tier 1 risk-based capital ratio | 13.4450% | 4,800 |
| Total risk-based capital ratio | 14.7020% | 4,737 |
| Memoranda: | ||
| Average total assets | $417,349,750 | 1,592 |
| Average earning assets | $385,094,750 | 1,574 |
| Average equity | $44,876,500 | 1,573 |
| Average total loans | $287,550,250 | 1,477 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4539% | 2,367 |
| Cost of funding earning assets | 0.4839% | 4,047 |
| Net interest margin | 3.9701% | 1,964 |
| Noninterest income to average assets | 0.6171% | 3,090 |
| Noninterest expense to average assets | 3.2277% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0226% | 2,229 |
| Return on assets (ROA) | 1.2336% | 1,605 |
| Pretax return on assets | 1.2583% | 2,457 |
| Return on Equity (ROE) | 11.4780% | 1,646 |
| Retained earnings to average equity (ytd only) | -8.0262% | 6,612 |
| Net charge-offs to loans | 0.0930% | 3,435 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 16.6970% | 1,649 |
| Efficiency ratio | 75.2244% | 2,905 |
| Assets per employee ($millions) | 2.8056% | 6,155 |
| Cash dividends to net income (ytd only)* | 169.9271% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 3,114 |
| Loan loss allowance to noncurrent loans | 77.8813% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.6329% | 2,656 |
| Noncurrent loans to loans | 2.0689% | 2,314 |
| Net loans and leases to total assets | 71.2739% | 1,679 |
| Net loans and leases to deposits | 84.2654% | 1,767 |
| Net loans and leases to core deposits | 98.9385% | 1,146 |
| Total domestic deposits to total assets | 84.5826% | 4,095 |
| Equity capital to assets | 10.6773% | 3,089 |
| Core capital (leverage) ratio | 10.4511% | 2,941 |
| Tier 1 risk-based capital ratio | 13.6563% | 4,668 |
| Total risk-based capital ratio | 14.9095% | 4,628 |
| Memoranda: | ||
| Average total assets | $422,648,330 | 1,575 |
| Average earning assets | $388,959,670 | 1,561 |
| Average equity | $45,426,000 | 1,560 |
| Average total loans | $283,815,330 | 1,498 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3580% | 2,663 |
| Cost of funding earning assets | 0.4910% | 4,169 |
| Net interest margin | 3.8671% | 2,223 |
| Noninterest income to average assets | 0.4357% | 4,217 |
| Noninterest expense to average assets | 3.0560% | 2,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8907% | 2,698 |
| Return on assets (ROA) | 0.8907% | 2,845 |
| Pretax return on assets | 0.9128% | 3,713 |
| Return on Equity (ROE) | 8.2619% | 2,837 |
| Retained earnings to average equity (ytd only) | 1.8407% | 5,075 |
| Net charge-offs to loans | 0.2725% | 1,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.1780% | 2,401 |
| Efficiency ratio | 76.6279% | 2,823 |
| Assets per employee ($millions) | 3.0625% | 5,886 |
| Cash dividends to net income (ytd only)* | 77.7202% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 3,061 |
| Loan loss allowance to noncurrent loans | 131.7754% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.9967% | 3,930 |
| Noncurrent loans to loans | 1.2806% | 3,637 |
| Net loans and leases to total assets | 64.2047% | 2,667 |
| Net loans and leases to deposits | 76.0776% | 2,626 |
| Net loans and leases to core deposits | 91.0655% | 1,599 |
| Total domestic deposits to total assets | 84.3936% | 4,316 |
| Equity capital to assets | 11.1472% | 2,799 |
| Core capital (leverage) ratio | 10.5326% | 2,732 |
| Tier 1 risk-based capital ratio | 14.7620% | 3,989 |
| Total risk-based capital ratio | 16.0154% | 3,956 |
| Memoranda: | ||
| Average total assets | $433,374,500 | 1,554 |
| Average earning assets | $395,960,500 | 1,546 |
| Average equity | $46,720,500 | 1,537 |
| Average total loans | $280,407,500 | 1,519 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4408% | 3,652 |
| Cost of funding earning assets | 0.5807% | 4,529 |
| Net interest margin | 3.8601% | 2,987 |
| Noninterest income to average assets | 0.6470% | 3,007 |
| Noninterest expense to average assets | 3.0464% | 3,107 |
| Loan and lease loss provision to assets | 0.2447% | 2,698 |
| Net operating income to assets | 0.8957% | 2,845 |
| Return on assets (ROA) | 1.4386% | 1,153 |
| Pretax return on assets | 1.4627% | 1,809 |
| Return on Equity (ROE) | 14.2070% | 955 |
| Retained earnings to average equity (ytd only) | 7.0661% | 1,539 |
| Net charge-offs to loans | 0.2470% | 3,460 |
| Credit loss provision to net charge-offs | 170.5426% | 1,551 |
| Earnings coverage of net charge-offs (x) | 8.0372% | 2,485 |
| Efficiency ratio | 72.1975% | 3,379 |
| Assets per employee ($millions) | 3.3125% | 5,394 |
| Cash dividends to net income (ytd only)* | 50.2629% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 3,009 |
| Loan loss allowance to noncurrent loans | 179.3964% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.7335% | 4,644 |
| Noncurrent loans to loans | 0.9358% | 4,317 |
| Net loans and leases to total assets | 63.0603% | 3,045 |
| Net loans and leases to deposits | 73.9624% | 3,092 |
| Net loans and leases to core deposits | 89.1413% | 1,948 |
| Total domestic deposits to total assets | 85.2599% | 3,735 |
| Equity capital to assets | 10.4367% | 3,607 |
| Core capital (leverage) ratio | 10.1964% | 3,147 |
| Tier 1 risk-based capital ratio | 13.8493% | 4,493 |
| Total risk-based capital ratio | 15.1030% | 4,447 |
| Memoranda: | ||
| Average total assets | $449,451,600 | 1,469 |
| Average earning assets | $413,664,400 | 1,456 |
| Average equity | $45,512,800 | 1,528 |
| Average total loans | $261,177,800 | 1,583 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 4,374 |
| Cost of funding earning assets | 0.5857% | 4,784 |
| Net interest margin | 3.7337% | 3,643 |
| Noninterest income to average assets | 0.6139% | 3,196 |
| Noninterest expense to average assets | 2.9231% | 3,510 |
| Loan and lease loss provision to assets | 0.1926% | 3,177 |
| Net operating income to assets | 0.9479% | 2,757 |
| Return on assets (ROA) | 1.0716% | 2,413 |
| Pretax return on assets | 1.0939% | 3,372 |
| Return on Equity (ROE) | 10.6639% | 2,072 |
| Retained earnings to average equity (ytd only) | 3.2932% | 4,550 |
| Net charge-offs to loans | 0.3046% | 2,915 |
| Credit loss provision to net charge-offs | 111.6838% | 2,623 |
| Earnings coverage of net charge-offs (x) | 6.7285% | 2,726 |
| Efficiency ratio | 71.2378% | 3,462 |
| Assets per employee ($millions) | 3.7394% | 4,450 |
| Cash dividends to net income (ytd only)* | 69.1180% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6425% | 3,363 |
| Loan loss allowance to noncurrent loans | 112.8440% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 1.1136% | 4,067 |
| Noncurrent loans to loans | 1.4555% | 3,621 |
| Net loans and leases to total assets | 61.6610% | 3,450 |
| Net loans and leases to deposits | 72.7591% | 3,485 |
| Net loans and leases to core deposits | 99.9683% | 1,125 |
| Total domestic deposits to total assets | 84.7469% | 3,860 |
| Equity capital to assets | 10.8204% | 3,476 |
| Core capital (leverage) ratio | 9.3835% | 4,457 |
| Tier 1 risk-based capital ratio | 14.2163% | 4,369 |
| Total risk-based capital ratio | 15.4648% | 4,343 |
| Memoranda: | ||
| Average total assets | $450,018,750 | 1,478 |
| Average earning assets | $418,164,250 | 1,452 |
| Average equity | $45,223,250 | 1,551 |
| Average total loans | $254,769,750 | 1,638 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 4,767 |
| Cost of funding earning assets | 0.5801% | 5,076 |
| Net interest margin | 3.6681% | 3,964 |
| Noninterest income to average assets | 0.6122% | 3,185 |
| Noninterest expense to average assets | 2.9237% | 3,527 |
| Loan and lease loss provision to assets | 0.1752% | 3,350 |
| Net operating income to assets | 0.8974% | 2,922 |
| Return on assets (ROA) | 0.9004% | 3,176 |
| Pretax return on assets | 0.9197% | 4,005 |
| Return on Equity (ROE) | 9.1812% | 2,726 |
| Retained earnings to average equity (ytd only) | 2.4828% | 4,947 |
| Net charge-offs to loans | 0.3602% | 2,571 |
| Credit loss provision to net charge-offs | 88.8889% | 3,079 |
| Earnings coverage of net charge-offs (x) | 5.5400% | 2,811 |
| Efficiency ratio | 72.4616% | 3,348 |
| Assets per employee ($millions) | 3.1003% | 5,854 |
| Cash dividends to net income (ytd only)* | 72.9572% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 3,225 |
| Loan loss allowance to noncurrent loans | 97.2912% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.1442% | 4,103 |
| Noncurrent loans to loans | 1.7475% | 3,277 |
| Net loans and leases to total assets | 54.3093% | 4,744 |
| Net loans and leases to deposits | 63.3979% | 4,839 |
| Net loans and leases to core deposits | 88.2816% | 2,180 |
| Total domestic deposits to total assets | 85.6641% | 3,525 |
| Equity capital to assets | 9.9419% | 4,432 |
| Core capital (leverage) ratio | 9.6478% | 3,924 |
| Tier 1 risk-based capital ratio | 14.3361% | 4,219 |
| Total risk-based capital ratio | 15.5888% | 4,178 |
| Memoranda: | ||
| Average total assets | $456,681,670 | 1,457 |
| Average earning assets | $423,707,000 | 1,443 |
| Average equity | $44,787,330 | 1,557 |
| Average total loans | $249,830,000 | 1,666 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 4,950 |
| Cost of funding earning assets | 0.5790% | 5,288 |
| Net interest margin | 3.6643% | 3,986 |
| Noninterest income to average assets | 0.6251% | 3,080 |
| Noninterest expense to average assets | 2.7972% | 4,043 |
| Loan and lease loss provision to assets | 0.3512% | 1,782 |
| Net operating income to assets | 0.8597% | 3,108 |
| Return on assets (ROA) | 0.8657% | 3,306 |
| Pretax return on assets | 0.8832% | 4,092 |
| Return on Equity (ROE) | 8.8885% | 2,873 |
| Retained earnings to average equity (ytd only) | 2.1275% | 5,203 |
| Net charge-offs to loans | 0.5500% | 1,712 |
| Credit loss provision to net charge-offs | 117.3021% | 2,019 |
| Earnings coverage of net charge-offs (x) | 4.1026% | 2,661 |
| Efficiency ratio | 69.1385% | 3,957 |
| Assets per employee ($millions) | 3.7026% | 4,643 |
| Cash dividends to net income (ytd only)* | 76.0649% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8234% | 2,914 |
| Loan loss allowance to noncurrent loans | 133.3032% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 4,910 |
| Noncurrent loans to loans | 1.3678% | 4,065 |
| Net loans and leases to total assets | 53.1082% | 4,867 |
| Net loans and leases to deposits | 63.0717% | 4,761 |
| Net loans and leases to core deposits | 87.3971% | 2,127 |
| Total domestic deposits to total assets | 84.2029% | 4,397 |
| Equity capital to assets | 9.9596% | 4,174 |
| Core capital (leverage) ratio | 9.3263% | 4,322 |
| Tier 1 risk-based capital ratio | 15.1630% | 3,647 |
| Total risk-based capital ratio | 16.4200% | 3,602 |
| Memoranda: | ||
| Average total assets | $455,598,500 | 1,465 |
| Average earning assets | $422,784,500 | 1,449 |
| Average equity | $44,372,000 | 1,564 |
| Average total loans | $247,991,500 | 1,674 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0702% | 2,566 |
| Cost of funding earning assets | 0.7586% | 5,148 |
| Net interest margin | 4.3116% | 1,662 |
| Noninterest income to average assets | 0.8399% | 1,885 |
| Noninterest expense to average assets | 3.2297% | 2,769 |
| Loan and lease loss provision to assets | 0.3798% | 2,724 |
| Net operating income to assets | 1.1655% | 1,624 |
| Return on assets (ROA) | 1.1650% | 1,728 |
| Pretax return on assets | 1.1741% | 2,556 |
| Return on Equity (ROE) | 11.1892% | 1,649 |
| Retained earnings to average equity (ytd only) | 4.1684% | 3,210 |
| Net charge-offs to loans | 0.6384% | 2,543 |
| Credit loss provision to net charge-offs | 89.6482% | 4,018 |
| Earnings coverage of net charge-offs (x) | 3.6691% | 3,429 |
| Efficiency ratio | 67.1240% | 4,550 |
| Assets per employee ($millions) | 4.0989% | 3,648 |
| Cash dividends to net income (ytd only)* | 62.7461% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7190% | 3,130 |
| Loan loss allowance to noncurrent loans | 95.9930% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.1067% | 4,399 |
| Noncurrent loans to loans | 1.7908% | 3,483 |
| Net loans and leases to total assets | 53.8171% | 5,064 |
| Net loans and leases to deposits | 65.4911% | 4,804 |
| Net loans and leases to core deposits | 99.0578% | 1,257 |
| Total domestic deposits to total assets | 82.1747% | 5,070 |
| Equity capital to assets | 9.5261% | 4,843 |
| Core capital (leverage) ratio | 9.9284% | 3,424 |
| Tier 1 risk-based capital ratio | 14.0028% | 4,324 |
| Total risk-based capital ratio | 15.2575% | 4,275 |
| Memoranda: | ||
| Average total assets | $348,855,600 | 1,858 |
| Average earning assets | $319,136,400 | 1,845 |
| Average equity | $36,320,600 | 1,867 |
| Average total loans | $231,505,400 | 1,799 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3773% | 1,582 |
| Cost of funding earning assets | 0.8208% | 5,002 |
| Net interest margin | 4.5565% | 1,029 |
| Noninterest income to average assets | 0.9154% | 1,595 |
| Noninterest expense to average assets | 3.6122% | 1,685 |
| Loan and lease loss provision to assets | 0.2914% | 3,182 |
| Net operating income to assets | 1.1519% | 1,805 |
| Return on assets (ROA) | 1.1506% | 1,928 |
| Pretax return on assets | 1.1636% | 2,772 |
| Return on Equity (ROE) | 10.7223% | 1,950 |
| Retained earnings to average equity (ytd only) | 6.6491% | 2,165 |
| Net charge-offs to loans | 0.5824% | 2,507 |
| Credit loss provision to net charge-offs | 70.9220% | 4,455 |
| Earnings coverage of net charge-offs (x) | 3.5441% | 3,402 |
| Efficiency ratio | 70.8747% | 3,767 |
| Assets per employee ($millions) | 2.9628% | 6,202 |
| Cash dividends to net income (ytd only)* | 37.9886% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8035% | 2,932 |
| Loan loss allowance to noncurrent loans | 82.5068% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.6091% | 3,666 |
| Noncurrent loans to loans | 2.1859% | 3,132 |
| Net loans and leases to total assets | 68.1215% | 2,459 |
| Net loans and leases to deposits | 84.8405% | 1,869 |
| Net loans and leases to core deposits | 89.6069% | 2,302 |
| Total domestic deposits to total assets | 80.2936% | 5,649 |
| Equity capital to assets | 13.0689% | 1,586 |
| Core capital (leverage) ratio | 13.2572% | 1,125 |
| Tier 1 risk-based capital ratio | 16.5618% | 2,832 |
| Total risk-based capital ratio | 17.7974% | 2,801 |
| Memoranda: | ||
| Average total assets | $320,275,000 | 2,013 |
| Average earning assets | $291,909,500 | 2,014 |
| Average equity | $34,370,000 | 1,952 |
| Average total loans | $225,974,500 | 1,851 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3008% | 1,889 |
| Cost of funding earning assets | 0.7903% | 5,448 |
| Net interest margin | 4.5105% | 1,112 |
| Noninterest income to average assets | 0.9117% | 1,611 |
| Noninterest expense to average assets | 3.4770% | 2,045 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4814% | 925 |
| Return on assets (ROA) | 1.4814% | 982 |
| Pretax return on assets | 1.4814% | 1,582 |
| Return on Equity (ROE) | 14.9346% | 817 |
| Retained earnings to average equity (ytd only) | 5.2294% | 2,858 |
| Net charge-offs to loans | -0.0049% | 6,586 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3924% | 4,239 |
| Assets per employee ($millions) | 3.2086% | 5,619 |
| Cash dividends to net income (ytd only)* | 64.9847% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9968% | 2,381 |
| Loan loss allowance to noncurrent loans | 108.2276% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 1.4693% | 4,012 |
| Noncurrent loans to loans | 1.8450% | 3,688 |
| Net loans and leases to total assets | 68.7777% | 2,459 |
| Net loans and leases to deposits | 82.6843% | 2,340 |
| Net loans and leases to core deposits | 86.0876% | 2,887 |
| Total domestic deposits to total assets | 83.1810% | 4,684 |
| Equity capital to assets | 10.4957% | 3,511 |
| Core capital (leverage) ratio | 10.0709% | 3,174 |
| Tier 1 risk-based capital ratio | 12.2646% | 5,555 |
| Total risk-based capital ratio | 13.5212% | 5,533 |
| Memoranda: | ||
| Average total assets | $176,588,330 | 3,423 |
| Average earning assets | $158,429,670 | 3,470 |
| Average equity | $17,516,330 | 3,494 |
| Average total loans | $121,705,330 | 3,196 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2763% | 1,948 |
| Cost of funding earning assets | 0.8092% | 5,528 |
| Net interest margin | 4.4671% | 1,138 |
| Noninterest income to average assets | 0.8084% | 1,998 |
| Noninterest expense to average assets | 3.5189% | 1,952 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2771% | 1,328 |
| Return on assets (ROA) | 1.2771% | 1,374 |
| Pretax return on assets | 1.2771% | 2,109 |
| Return on Equity (ROE) | 13.2601% | 1,131 |
| Retained earnings to average equity (ytd only) | -0.8464% | 5,952 |
| Net charge-offs to loans | 0.0033% | 5,085 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 564.0000% | 41 |
| Efficiency ratio | 72.6157% | 3,747 |
| Assets per employee ($millions) | 3.0843% | 5,977 |
| Cash dividends to net income (ytd only)* | 106.3830% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1132% | 2,157 |
| Loan loss allowance to noncurrent loans | 97.1665% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 2.1246% | 3,160 |
| Noncurrent loans to loans | 2.1748% | 3,347 |
| Net loans and leases to total assets | 67.4216% | 2,671 |
| Net loans and leases to deposits | 80.9155% | 2,542 |
| Net loans and leases to core deposits | 84.3791% | 3,118 |
| Total domestic deposits to total assets | 83.3235% | 4,782 |
| Equity capital to assets | 10.0864% | 3,666 |
| Core capital (leverage) ratio | 9.8907% | 3,281 |
| Tier 1 risk-based capital ratio | 12.1956% | 5,514 |
| Total risk-based capital ratio | 13.4527% | 5,506 |
| Memoranda: | ||
| Average total assets | $176,646,000 | 3,438 |
| Average earning assets | $157,687,000 | 3,507 |
| Average equity | $17,013,500 | 3,562 |
| Average total loans | $120,634,500 | 3,246 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8964% | 1,056 |
| Cost of funding earning assets | 1.0684% | 5,326 |
| Net interest margin | 4.8280% | 636 |
| Noninterest income to average assets | 0.9250% | 1,758 |
| Noninterest expense to average assets | 3.2968% | 2,748 |
| Loan and lease loss provision to assets | 1.1175% | 1,430 |
| Net operating income to assets | 0.8340% | 2,652 |
| Return on assets (ROA) | 0.8356% | 2,791 |
| Pretax return on assets | 0.8356% | 3,520 |
| Return on Equity (ROE) | 9.0587% | 2,267 |
| Retained earnings to average equity (ytd only) | 7.2859% | 1,211 |
| Net charge-offs to loans | 1.7050% | 1,268 |
| Credit loss provision to net charge-offs | 88.1341% | 5,204 |
| Earnings coverage of net charge-offs (x) | 1.5391% | 4,593 |
| Efficiency ratio | 62.3182% | 5,675 |
| Assets per employee ($millions) | 3.3392% | 5,335 |
| Cash dividends to net income (ytd only)* | 19.5695% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9851% | 2,341 |
| Loan loss allowance to noncurrent loans | 102.1928% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 1.8948% | 3,491 |
| Noncurrent loans to loans | 1.9425% | 3,644 |
| Net loans and leases to total assets | 66.4060% | 3,382 |
| Net loans and leases to deposits | 78.5820% | 3,413 |
| Net loans and leases to core deposits | 81.6332% | 3,960 |
| Total domestic deposits to total assets | 84.5054% | 4,105 |
| Equity capital to assets | 9.2111% | 4,825 |
| Core capital (leverage) ratio | 9.3055% | 4,002 |
| Tier 1 risk-based capital ratio | 11.5908% | 5,830 |
| Total risk-based capital ratio | 12.8469% | 5,838 |
| Memoranda: | ||
| Average total assets | $183,451,200 | 3,322 |
| Average earning assets | $164,271,000 | 3,372 |
| Average equity | $16,923,000 | 3,608 |
| Average total loans | $136,420,600 | 3,008 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8903% | 1,156 |
| Cost of funding earning assets | 1.1291% | 5,258 |
| Net interest margin | 4.7612% | 733 |
| Noninterest income to average assets | 0.9756% | 1,535 |
| Noninterest expense to average assets | 3.3035% | 2,564 |
| Loan and lease loss provision to assets | 1.3449% | 1,018 |
| Net operating income to assets | 0.5976% | 3,888 |
| Return on assets (ROA) | 0.5976% | 4,043 |
| Pretax return on assets | 0.5976% | 4,603 |
| Return on Equity (ROE) | 6.4756% | 3,586 |
| Retained earnings to average equity (ytd only) | 4.1123% | 3,580 |
| Net charge-offs to loans | 1.8199% | 1,056 |
| Credit loss provision to net charge-offs | 97.2149% | 4,462 |
| Earnings coverage of net charge-offs (x) | 1.4041% | 4,679 |
| Efficiency ratio | 62.4723% | 5,527 |
| Assets per employee ($millions) | 3.1711% | 5,746 |
| Cash dividends to net income (ytd only)* | 36.4964% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 2,125 |
| Loan loss allowance to noncurrent loans | 106.3166% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 2.0200% | 3,441 |
| Noncurrent loans to loans | 1.9169% | 3,782 |
| Net loans and leases to total assets | 74.2191% | 1,756 |
| Net loans and leases to deposits | 88.9338% | 1,863 |
| Net loans and leases to core deposits | 93.2943% | 2,620 |
| Total domestic deposits to total assets | 83.4543% | 4,395 |
| Equity capital to assets | 9.8258% | 4,378 |
| Core capital (leverage) ratio | 8.7870% | 5,035 |
| Tier 1 risk-based capital ratio | 11.0438% | 6,335 |
| Total risk-based capital ratio | 12.3015% | 6,314 |
| Memoranda: | ||
| Average total assets | $183,399,500 | 3,371 |
| Average earning assets | $164,492,750 | 3,416 |
| Average equity | $16,924,500 | 3,650 |
| Average total loans | $139,418,250 | 2,993 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5187% | 2,445 |
| Cost of funding earning assets | 1.1006% | 5,665 |
| Net interest margin | 4.4181% | 1,403 |
| Noninterest income to average assets | 0.6738% | 2,861 |
| Noninterest expense to average assets | 3.2232% | 2,823 |
| Loan and lease loss provision to assets | 0.4828% | 2,892 |
| Net operating income to assets | 0.9131% | 2,506 |
| Return on assets (ROA) | 0.9131% | 2,610 |
| Pretax return on assets | 0.9131% | 3,442 |
| Return on Equity (ROE) | 10.0987% | 2,075 |
| Retained earnings to average equity (ytd only) | 10.0987% | 827 |
| Net charge-offs to loans | 1.2648% | 1,508 |
| Credit loss provision to net charge-offs | 50.1672% | 5,409 |
| Earnings coverage of net charge-offs (x) | 1.4504% | 4,399 |
| Efficiency ratio | 69.2218% | 4,329 |
| Assets per employee ($millions) | 3.2971% | 5,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 3,409 |
| Loan loss allowance to noncurrent loans | 48.5328% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 3.2856% | 2,143 |
| Noncurrent loans to loans | 3.3158% | 2,415 |
| Net loans and leases to total assets | 77.5128% | 1,192 |
| Net loans and leases to deposits | 95.8571% | 1,062 |
| Net loans and leases to core deposits | 97.8810% | 2,243 |
| Total domestic deposits to total assets | 80.8629% | 5,450 |
| Equity capital to assets | 9.6025% | 4,550 |
| Core capital (leverage) ratio | 8.9234% | 4,719 |
| Tier 1 risk-based capital ratio | 10.7648% | 6,475 |
| Total risk-based capital ratio | 12.0179% | 6,459 |
| Memoranda: | ||
| Average total assets | $186,396,670 | 3,356 |
| Average earning assets | $166,452,330 | 3,401 |
| Average equity | $16,853,670 | 3,658 |
| Average total loans | $141,845,330 | 2,979 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4960% | 2,593 |
| Cost of funding earning assets | 1.1281% | 5,763 |
| Net interest margin | 4.3680% | 1,481 |
| Noninterest income to average assets | 0.6013% | 3,272 |
| Noninterest expense to average assets | 3.0319% | 3,557 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4143% | 1,043 |
| Return on assets (ROA) | 1.4143% | 1,113 |
| Pretax return on assets | 1.4143% | 1,732 |
| Return on Equity (ROE) | 16.1216% | 702 |
| Retained earnings to average equity (ytd only) | 16.1216% | 333 |
| Net charge-offs to loans | 0.7726% | 1,967 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.4469% | 3,316 |
| Efficiency ratio | 67.6190% | 4,796 |
| Assets per employee ($millions) | 3.3578% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7732% | 2,817 |
| Loan loss allowance to noncurrent loans | 52.2944% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 2.8596% | 2,527 |
| Noncurrent loans to loans | 3.3908% | 2,361 |
| Net loans and leases to total assets | 74.1784% | 1,930 |
| Net loans and leases to deposits | 92.4585% | 1,548 |
| Net loans and leases to core deposits | 95.7892% | 2,611 |
| Total domestic deposits to total assets | 80.2289% | 5,708 |
| Equity capital to assets | 9.2127% | 4,974 |
| Core capital (leverage) ratio | 8.7518% | 4,939 |
| Tier 1 risk-based capital ratio | 10.9018% | 6,249 |
| Total risk-based capital ratio | 12.1570% | 6,225 |
| Memoranda: | ||
| Average total assets | $188,925,500 | 3,379 |
| Average earning assets | $166,301,500 | 3,459 |
| Average equity | $16,574,000 | 3,739 |
| Average total loans | $141,338,000 | 3,051 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8075% | 2,628 |
| Cost of funding earning assets | 1.5904% | 5,073 |
| Net interest margin | 4.2170% | 2,012 |
| Noninterest income to average assets | 0.5899% | 3,705 |
| Noninterest expense to average assets | 3.3893% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0482% | 1,672 |
| Return on assets (ROA) | 1.1015% | 1,546 |
| Pretax return on assets | 1.1015% | 2,249 |
| Return on Equity (ROE) | 12.7479% | 1,015 |
| Retained earnings to average equity (ytd only) | 1.2333% | 4,178 |
| Net charge-offs to loans | -0.2508% | 7,920 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5942% | 3,597 |
| Assets per employee ($millions) | 3.6448% | 4,659 |
| Cash dividends to net income (ytd only)* | 90.3258% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9175% | 2,220 |
| Loan loss allowance to noncurrent loans | 58.4255% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 2.8327% | 2,476 |
| Noncurrent loans to loans | 3.2819% | 2,329 |
| Net loans and leases to total assets | 72.7150% | 2,578 |
| Net loans and leases to deposits | 90.5793% | 2,127 |
| Net loans and leases to core deposits | 103.5465% | 3,622 |
| Total domestic deposits to total assets | 80.2777% | 5,592 |
| Equity capital to assets | 8.3521% | 6,120 |
| Core capital (leverage) ratio | 8.3155% | 5,585 |
| Tier 1 risk-based capital ratio | 10.1550% | 6,734 |
| Total risk-based capital ratio | 11.4136% | 6,692 |
| Memoranda: | ||
| Average total assets | $183,933,400 | 3,364 |
| Average earning assets | $167,818,800 | 3,386 |
| Average equity | $15,892,800 | 3,888 |
| Average total loans | $145,118,000 | 3,001 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9366% | 2,287 |
| Cost of funding earning assets | 1.6938% | 4,930 |
| Net interest margin | 4.2428% | 1,894 |
| Noninterest income to average assets | 0.5638% | 3,980 |
| Noninterest expense to average assets | 3.3681% | 2,670 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0997% | 1,735 |
| Return on assets (ROA) | 1.1012% | 1,783 |
| Pretax return on assets | 1.1012% | 2,563 |
| Return on Equity (ROE) | 12.6319% | 1,194 |
| Retained earnings to average equity (ytd only) | 1.2632% | 4,619 |
| Net charge-offs to loans | -0.2665% | 7,989 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5974% | 3,764 |
| Assets per employee ($millions) | 3.4826% | 4,972 |
| Cash dividends to net income (ytd only)* | 90.0003% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 2,136 |
| Loan loss allowance to noncurrent loans | 49.8415% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 2.9256% | 2,369 |
| Noncurrent loans to loans | 3.7302% | 1,999 |
| Net loans and leases to total assets | 76.4452% | 1,908 |
| Net loans and leases to deposits | 93.7523% | 1,922 |
| Net loans and leases to core deposits | 108.7358% | 3,380 |
| Total domestic deposits to total assets | 81.5395% | 4,861 |
| Equity capital to assets | 8.8223% | 5,753 |
| Core capital (leverage) ratio | 8.3280% | 5,791 |
| Tier 1 risk-based capital ratio | 10.4318% | 6,547 |
| Total risk-based capital ratio | 11.6891% | 6,485 |
| Memoranda: | ||
| Average total assets | $181,623,750 | 3,443 |
| Average earning assets | $167,118,250 | 3,424 |
| Average equity | $15,832,500 | 3,950 |
| Average total loans | $145,594,750 | 3,024 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1273% | 1,700 |
| Cost of funding earning assets | 1.8166% | 4,678 |
| Net interest margin | 4.3107% | 1,628 |
| Noninterest income to average assets | 0.5624% | 3,942 |
| Noninterest expense to average assets | 3.4577% | 2,468 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0773% | 1,848 |
| Return on assets (ROA) | 1.0795% | 1,916 |
| Pretax return on assets | 1.0795% | 2,702 |
| Return on Equity (ROE) | 12.4346% | 1,300 |
| Retained earnings to average equity (ytd only) | -4.7826% | 6,270 |
| Net charge-offs to loans | -0.6156% | 8,112 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4639% | 3,793 |
| Assets per employee ($millions) | 3.3860% | 5,101 |
| Cash dividends to net income (ytd only)* | 138.4615% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9432% | 1,687 |
| Loan loss allowance to noncurrent loans | 67.6703% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 2.3091% | 2,818 |
| Noncurrent loans to loans | 2.8716% | 2,512 |
| Net loans and leases to total assets | 78.1573% | 1,709 |
| Net loans and leases to deposits | 101.7371% | 1,097 |
| Net loans and leases to core deposits | 110.2976% | 3,344 |
| Total domestic deposits to total assets | 76.8229% | 6,368 |
| Equity capital to assets | 8.4351% | 6,149 |
| Core capital (leverage) ratio | 8.1140% | 6,136 |
| Tier 1 risk-based capital ratio | 10.1399% | 6,787 |
| Total risk-based capital ratio | 11.3980% | 6,700 |
| Memoranda: | ||
| Average total assets | $180,639,000 | 3,471 |
| Average earning assets | $166,468,670 | 3,452 |
| Average equity | $15,682,000 | 3,983 |
| Average total loans | $146,201,670 | 3,045 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0310% | 2,230 |
| Cost of funding earning assets | 1.9925% | 4,172 |
| Net interest margin | 4.0385% | 2,496 |
| Noninterest income to average assets | 0.5147% | 4,189 |
| Noninterest expense to average assets | 3.4266% | 2,289 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7954% | 3,148 |
| Return on assets (ROA) | 0.7954% | 3,310 |
| Pretax return on assets | 0.7954% | 4,090 |
| Return on Equity (ROE) | 9.0314% | 2,707 |
| Retained earnings to average equity (ytd only) | -1.0878% | 5,907 |
| Net charge-offs to loans | -1.4587% | 8,170 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3166% | 2,772 |
| Assets per employee ($millions) | 3.3875% | 5,103 |
| Cash dividends to net income (ytd only)* | 112.0448% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0309% | 1,356 |
| Loan loss allowance to noncurrent loans | 49.3902% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 3.2884% | 1,668 |
| Noncurrent loans to loans | 4.1119% | 1,454 |
| Net loans and leases to total assets | 78.3496% | 1,736 |
| Net loans and leases to deposits | 100.8329% | 1,301 |
| Net loans and leases to core deposits | 109.1702% | 3,543 |
| Total domestic deposits to total assets | 77.7023% | 6,105 |
| Equity capital to assets | 8.8209% | 5,584 |
| Core capital (leverage) ratio | 8.5353% | 5,462 |
| Tier 1 risk-based capital ratio | 10.5749% | 6,314 |
| Total risk-based capital ratio | 11.8349% | 6,226 |
| Memoranda: | ||
| Average total assets | $179,536,500 | 3,512 |
| Average earning assets | $164,814,000 | 3,496 |
| Average equity | $15,811,500 | 3,981 |
| Average total loans | $146,433,500 | 3,069 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4668% | 3,131 |
| Cost of funding earning assets | 2.4286% | 4,580 |
| Net interest margin | 4.0382% | 2,946 |
| Noninterest income to average assets | 0.7186% | 3,000 |
| Noninterest expense to average assets | 3.0074% | 4,059 |
| Loan and lease loss provision to assets | 0.7186% | 2,058 |
| Net operating income to assets | 0.6631% | 4,050 |
| Return on assets (ROA) | 0.6642% | 3,894 |
| Pretax return on assets | 0.6642% | 4,503 |
| Return on Equity (ROE) | 7.4808% | 3,290 |
| Retained earnings to average equity (ytd only) | 3.3739% | 3,055 |
| Net charge-offs to loans | 0.8469% | 1,484 |
| Credit loss provision to net charge-offs | 100.5495% | 5,273 |
| Earnings coverage of net charge-offs (x) | 1.9333% | 5,098 |
| Efficiency ratio | 66.8967% | 4,924 |
| Assets per employee ($millions) | 3.6640% | 4,258 |
| Cash dividends to net income (ytd only)* | 54.8986% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5956% | 2,263 |
| Loan loss allowance to noncurrent loans | 62.3560% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 2.1277% | 2,305 |
| Noncurrent loans to loans | 2.5589% | 2,127 |
| Net loans and leases to total assets | 81.8235% | 1,261 |
| Net loans and leases to deposits | 102.5738% | 1,523 |
| Net loans and leases to core deposits | 112.3603% | 3,526 |
| Total domestic deposits to total assets | 79.7704% | 5,109 |
| Equity capital to assets | 8.7928% | 5,664 |
| Core capital (leverage) ratio | 8.8937% | 4,899 |
| Tier 1 risk-based capital ratio | 10.5737% | 6,134 |
| Total risk-based capital ratio | 11.8292% | 6,029 |
| Memoranda: | ||
| Average total assets | $178,258,200 | 3,431 |
| Average earning assets | $162,027,400 | 3,437 |
| Average equity | $15,827,200 | 3,969 |
| Average total loans | $150,425,600 | 2,923 |