Home > Heritage Bank, Inc. > Performance and Condition Ratios
Heritage Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8310% | 2,411 |
| Cost of funding earning assets | 2.0068% | 909 |
| Net interest margin | 2.8242% | 3,616 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 1.9995% | 3,639 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9815% | 2,275 |
| Return on assets (ROA) | 0.9815% | 2,263 |
| Pretax return on assets | 1.1774% | 2,195 |
| Return on Equity (ROE) | 20.1100% | 611 |
| Retained earnings to average equity (ytd only) | 17.7428% | 199 |
| Net charge-offs to loans | 0.0316% | 1,663 |
| Credit loss provision to net charge-offs | 205.3628% | 1,207 |
| Earnings coverage of net charge-offs (x) | 62.2524% | 1,167 |
| Efficiency ratio | 62.1526% | 2,818 |
| Assets per employee ($millions) | 8.7754% | 1,075 |
| Cash dividends to net income (ytd only)* | 11.7614% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 1,607 |
| Loan loss allowance to noncurrent loans | 1,327.7937% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,143 |
| Noncurrent loans to loans | 0.1010% | 3,034 |
| Net loans and leases to total assets | 57.9700% | 3,039 |
| Net loans and leases to deposits | 62.6642% | 3,370 |
| Net loans and leases to core deposits | 70.3245% | 3,289 |
| Total domestic deposits to total assets | 92.5100% | 227 |
| Equity capital to assets | 5.3884% | 4,357 |
| Core capital (leverage) ratio | 7.8100% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7045% | 2,654 |
| Memoranda: | ||
| Average total assets | $1,620,761,200 | 674 |
| Average earning assets | $1,524,855,000 | 657 |
| Average equity | $79,113,600 | 1,140 |
| Average total loans | $1,003,327,200 | 725 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 2,377 |
| Cost of funding earning assets | 1.8328% | 957 |
| Net interest margin | 2.9155% | 3,510 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.0690% | 3,423 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9733% | 2,440 |
| Return on assets (ROA) | 0.9733% | 2,434 |
| Pretax return on assets | 1.2113% | 2,273 |
| Return on Equity (ROE) | 20.5300% | 671 |
| Retained earnings to average equity (ytd only) | 20.5325% | 239 |
| Net charge-offs to loans | 0.0350% | 1,392 |
| Credit loss provision to net charge-offs | 59.7701% | 1,859 |
| Earnings coverage of net charge-offs (x) | 55.7663% | 1,250 |
| Efficiency ratio | 62.8234% | 2,629 |
| Assets per employee ($millions) | 7.9740% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 1,770 |
| Loan loss allowance to noncurrent loans | 701.9291% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 2,595 |
| Noncurrent loans to loans | 0.1882% | 2,607 |
| Net loans and leases to total assets | 63.0600% | 2,554 |
| Net loans and leases to deposits | 68.1952% | 2,970 |
| Net loans and leases to core deposits | 77.7589% | 2,754 |
| Total domestic deposits to total assets | 92.4700% | 381 |
| Equity capital to assets | 4.2100% | 4,382 |
| Core capital (leverage) ratio | 8.1777% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5415% | 2,718 |
| Memoranda: | ||
| Average total assets | $1,584,986,000 | 691 |
| Average earning assets | $1,487,670,500 | 674 |
| Average equity | $75,131,000 | 1,176 |
| Average total loans | $995,041,750 | 729 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 2,397 |
| Cost of funding earning assets | 1.6290% | 999 |
| Net interest margin | 2.9808% | 3,482 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.1263% | 3,277 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0004% | 2,419 |
| Return on assets (ROA) | 1.0004% | 2,413 |
| Pretax return on assets | 1.2459% | 2,236 |
| Return on Equity (ROE) | 20.3400% | 674 |
| Retained earnings to average equity (ytd only) | 20.3409% | 239 |
| Net charge-offs to loans | 0.0361% | 1,181 |
| Credit loss provision to net charge-offs | 143.8202% | 1,219 |
| Earnings coverage of net charge-offs (x) | 56.7921% | 1,220 |
| Efficiency ratio | 62.4550% | 2,649 |
| Assets per employee ($millions) | 7.8722% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 1,666 |
| Loan loss allowance to noncurrent loans | 1,203.3510% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 2,845 |
| Noncurrent loans to loans | 0.1131% | 2,913 |
| Net loans and leases to total assets | 62.4800% | 2,527 |
| Net loans and leases to deposits | 73.7795% | 2,519 |
| Net loans and leases to core deposits | 75.9252% | 2,763 |
| Total domestic deposits to total assets | 84.6900% | 2,627 |
| Equity capital to assets | 5.1239% | 4,357 |
| Core capital (leverage) ratio | 7.9954% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7144% | 2,708 |
| Memoranda: | ||
| Average total assets | $1,581,711,667 | 679 |
| Average earning assets | $1,485,907,667 | 664 |
| Average equity | $77,794,000 | 1,143 |
| Average total loans | $987,021,000 | 719 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 2,481 |
| Cost of funding earning assets | 1.3550% | 1,122 |
| Net interest margin | 3.0698% | 3,423 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.0432% | 3,512 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9584% | 2,660 |
| Return on assets (ROA) | 0.9584% | 2,623 |
| Pretax return on assets | 1.2070% | 2,408 |
| Return on Equity (ROE) | 19.9000% | 781 |
| Retained earnings to average equity (ytd only) | 19.9022% | 387 |
| Net charge-offs to loans | -0.0004% | 3,267 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1289% | 2,680 |
| Assets per employee ($millions) | 7.7551% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 1,655 |
| Loan loss allowance to noncurrent loans | 1,593.6121% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 2,991 |
| Noncurrent loans to loans | 0.0873% | 3,114 |
| Net loans and leases to total assets | 61.5000% | 2,511 |
| Net loans and leases to deposits | 70.1388% | 2,600 |
| Net loans and leases to core deposits | 71.9941% | 2,813 |
| Total domestic deposits to total assets | 87.6900% | 2,026 |
| Equity capital to assets | 5.1329% | 4,398 |
| Core capital (leverage) ratio | 7.9559% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4320% | 2,870 |
| Memoranda: | ||
| Average total assets | $1,581,409,000 | 694 |
| Average earning assets | $1,485,455,000 | 676 |
| Average equity | $76,152,500 | 1,170 |
| Average total loans | $979,381,000 | 740 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6782% | 2,590 |
| Cost of funding earning assets | 0.4672% | 1,599 |
| Net interest margin | 3.2109% | 2,840 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.0992% | 3,293 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1119% | 2,118 |
| Return on assets (ROA) | 1.1119% | 2,054 |
| Pretax return on assets | 1.3772% | 1,836 |
| Return on Equity (ROE) | 17.8800% | 723 |
| Retained earnings to average equity (ytd only) | 15.6435% | 244 |
| Net charge-offs to loans | -0.0383% | 4,274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.7973% | 3,217 |
| Assets per employee ($millions) | 8.0635% | 1,288 |
| Cash dividends to net income (ytd only)* | 12.5196% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 1,716 |
| Loan loss allowance to noncurrent loans | 1,055.0162% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 2,815 |
| Noncurrent loans to loans | 0.1272% | 2,878 |
| Net loans and leases to total assets | 59.7600% | 2,654 |
| Net loans and leases to deposits | 65.5464% | 2,916 |
| Net loans and leases to core deposits | 66.9670% | 3,067 |
| Total domestic deposits to total assets | 91.1800% | 883 |
| Equity capital to assets | 5.9177% | 4,122 |
| Core capital (leverage) ratio | 7.9524% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4676% | 2,870 |
| Memoranda: | ||
| Average total assets | $1,492,774,200 | 702 |
| Average earning assets | $1,407,903,400 | 687 |
| Average equity | $92,818,200 | 995 |
| Average total loans | $827,361,400 | 800 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4838% | 2,668 |
| Cost of funding earning assets | 0.3216% | 1,950 |
| Net interest margin | 3.1622% | 2,738 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.1547% | 3,057 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0111% | 2,442 |
| Return on assets (ROA) | 1.0111% | 2,408 |
| Pretax return on assets | 1.2732% | 2,129 |
| Return on Equity (ROE) | 16.0500% | 965 |
| Retained earnings to average equity (ytd only) | 15.5141% | 320 |
| Net charge-offs to loans | -0.0694% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.3105% | 2,928 |
| Assets per employee ($millions) | 7.5952% | 1,554 |
| Cash dividends to net income (ytd only)* | 3.3309% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 1,456 |
| Loan loss allowance to noncurrent loans | 834.5395% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 2,937 |
| Noncurrent loans to loans | 0.1736% | 2,724 |
| Net loans and leases to total assets | 57.6700% | 2,738 |
| Net loans and leases to deposits | 62.9606% | 2,950 |
| Net loans and leases to core deposits | 64.2214% | 3,092 |
| Total domestic deposits to total assets | 91.5900% | 1,015 |
| Equity capital to assets | 6.0269% | 3,954 |
| Core capital (leverage) ratio | 8.0773% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9647% | 2,825 |
| Memoranda: | ||
| Average total assets | $1,464,808,750 | 722 |
| Average earning assets | $1,382,300,250 | 700 |
| Average equity | $92,283,500 | 1,021 |
| Average total loans | $791,190,000 | 826 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2973% | 2,746 |
| Cost of funding earning assets | 0.2221% | 2,624 |
| Net interest margin | 3.0752% | 2,624 |
| Noninterest income to average assets | 0.4974% | 2,215 |
| Noninterest expense to average assets | 2.1549% | 2,980 |
| Loan and lease loss provision to assets | 0.0275% | 2,100 |
| Net operating income to assets | 0.9596% | 2,315 |
| Return on assets (ROA) | 0.9596% | 2,293 |
| Pretax return on assets | 1.2188% | 2,009 |
| Return on Equity (ROE) | 15.0088% | 889 |
| Retained earnings to average equity (ytd only) | 15.0088% | 263 |
| Net charge-offs to loans | -0.1164% | 4,484 |
| Credit loss provision to net charge-offs | -45.0450% | 3,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3566% | 2,856 |
| Assets per employee ($millions) | 7.2815% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,424 |
| Loan loss allowance to noncurrent loans | 679.1714% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 2,847 |
| Noncurrent loans to loans | 0.2199% | 2,621 |
| Net loans and leases to total assets | 54.4617% | 2,914 |
| Net loans and leases to deposits | 59.0303% | 3,128 |
| Net loans and leases to core deposits | 60.3806% | 3,245 |
| Total domestic deposits to total assets | 92.2606% | 741 |
| Equity capital to assets | 5.2377% | 4,429 |
| Core capital (leverage) ratio | 8.0651% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0507% | 2,803 |
| Memoranda: | ||
| Average total assets | $1,454,330,000 | 713 |
| Average earning assets | $1,373,313,000 | 701 |
| Average equity | $92,985,667 | 1,020 |
| Average total loans | $763,074,333 | 833 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1712% | 2,769 |
| Cost of funding earning assets | 0.1863% | 2,995 |
| Net interest margin | 2.9849% | 2,549 |
| Noninterest income to average assets | 0.4590% | 2,363 |
| Noninterest expense to average assets | 2.1439% | 3,000 |
| Loan and lease loss provision to assets | 0.0549% | 1,396 |
| Net operating income to assets | 0.8423% | 2,515 |
| Return on assets (ROA) | 0.8423% | 2,508 |
| Pretax return on assets | 1.0924% | 2,166 |
| Return on Equity (ROE) | 12.0869% | 1,281 |
| Retained earnings to average equity (ytd only) | 12.0869% | 589 |
| Net charge-offs to loans | 0.0129% | 1,298 |
| Credit loss provision to net charge-offs | 833.3333% | 383 |
| Earnings coverage of net charge-offs (x) | 174.1250% | 471 |
| Efficiency ratio | 65.1401% | 2,886 |
| Assets per employee ($millions) | 7.2871% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 1,440 |
| Loan loss allowance to noncurrent loans | 707.1956% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 3,020 |
| Noncurrent loans to loans | 0.2171% | 2,729 |
| Net loans and leases to total assets | 50.8642% | 3,085 |
| Net loans and leases to deposits | 55.8932% | 3,276 |
| Net loans and leases to core deposits | 57.5852% | 3,337 |
| Total domestic deposits to total assets | 91.0025% | 1,032 |
| Equity capital to assets | 6.2757% | 4,504 |
| Core capital (leverage) ratio | 7.8468% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5112% | 2,768 |
| Memoranda: | ||
| Average total assets | $1,456,985,500 | 718 |
| Average earning assets | $1,382,423,500 | 699 |
| Average equity | $101,531,000 | 983 |
| Average total loans | $744,048,000 | 838 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4321% | 2,847 |
| Cost of funding earning assets | 0.2236% | 3,213 |
| Net interest margin | 3.2085% | 2,577 |
| Noninterest income to average assets | 0.5389% | 2,404 |
| Noninterest expense to average assets | 2.1474% | 3,239 |
| Loan and lease loss provision to assets | 0.0434% | 2,185 |
| Net operating income to assets | 1.1378% | 2,150 |
| Return on assets (ROA) | 1.1378% | 2,201 |
| Pretax return on assets | 1.3959% | 2,069 |
| Return on Equity (ROE) | 14.5921% | 1,049 |
| Retained earnings to average equity (ytd only) | 13.1342% | 384 |
| Net charge-offs to loans | -0.0092% | 3,713 |
| Credit loss provision to net charge-offs | -833.8028% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8699% | 3,171 |
| Assets per employee ($millions) | 7.2828% | 1,744 |
| Cash dividends to net income (ytd only)* | 9.9910% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 1,447 |
| Loan loss allowance to noncurrent loans | 931.9342% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 3,350 |
| Noncurrent loans to loans | 0.1644% | 3,119 |
| Net loans and leases to total assets | 49.7101% | 3,320 |
| Net loans and leases to deposits | 55.3261% | 3,482 |
| Net loans and leases to core deposits | 57.0128% | 3,549 |
| Total domestic deposits to total assets | 89.8493% | 1,030 |
| Equity capital to assets | 7.6550% | 4,530 |
| Core capital (leverage) ratio | 7.5474% | 4,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9964% | 2,632 |
| Memoranda: | ||
| Average total assets | $1,362,682,400 | 732 |
| Average earning assets | $1,294,453,800 | 718 |
| Average equity | $106,249,200 | 961 |
| Average total loans | $767,568,800 | 822 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5157% | 2,781 |
| Cost of funding earning assets | 0.2336% | 3,278 |
| Net interest margin | 3.2821% | 2,469 |
| Noninterest income to average assets | 0.5578% | 2,382 |
| Noninterest expense to average assets | 2.1915% | 3,095 |
| Loan and lease loss provision to assets | 0.0739% | 1,568 |
| Net operating income to assets | 1.0666% | 2,667 |
| Return on assets (ROA) | 1.0666% | 2,733 |
| Pretax return on assets | 1.4071% | 2,305 |
| Return on Equity (ROE) | 13.6119% | 1,510 |
| Retained earnings to average equity (ytd only) | 13.6119% | 556 |
| Net charge-offs to loans | 0.0422% | 1,257 |
| Credit loss provision to net charge-offs | 302.8571% | 999 |
| Earnings coverage of net charge-offs (x) | 60.6367% | 1,132 |
| Efficiency ratio | 59.6721% | 3,031 |
| Assets per employee ($millions) | 6.9526% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 1,680 |
| Loan loss allowance to noncurrent loans | 599.1944% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 2,520 |
| Noncurrent loans to loans | 0.2484% | 2,944 |
| Net loans and leases to total assets | 53.6331% | 3,012 |
| Net loans and leases to deposits | 60.2749% | 3,207 |
| Net loans and leases to core deposits | 62.4555% | 3,268 |
| Total domestic deposits to total assets | 88.9807% | 1,289 |
| Equity capital to assets | 7.9044% | 4,561 |
| Core capital (leverage) ratio | 7.8742% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9997% | 2,706 |
| Memoranda: | ||
| Average total assets | $1,337,394,250 | 754 |
| Average earning assets | $1,269,208,250 | 739 |
| Average equity | $104,797,500 | 988 |
| Average total loans | $774,711,750 | 832 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5131% | 2,856 |
| Cost of funding earning assets | 0.2460% | 3,313 |
| Net interest margin | 3.2670% | 2,558 |
| Noninterest income to average assets | 0.5888% | 2,269 |
| Noninterest expense to average assets | 2.2079% | 3,072 |
| Loan and lease loss provision to assets | 0.0819% | 1,487 |
| Net operating income to assets | 1.0426% | 2,748 |
| Return on assets (ROA) | 1.0426% | 2,826 |
| Pretax return on assets | 1.3995% | 2,345 |
| Return on Equity (ROE) | 13.3463% | 1,610 |
| Retained earnings to average equity (ytd only) | 13.3463% | 661 |
| Net charge-offs to loans | 0.0598% | 1,019 |
| Credit loss provision to net charge-offs | 231.6239% | 988 |
| Earnings coverage of net charge-offs (x) | 41.9188% | 1,144 |
| Efficiency ratio | 59.8469% | 3,035 |
| Assets per employee ($millions) | 7.0957% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4265% | 1,862 |
| Loan loss allowance to noncurrent loans | 1,072.1408% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 3,168 |
| Noncurrent loans to loans | 0.1331% | 3,524 |
| Net loans and leases to total assets | 54.4965% | 3,079 |
| Net loans and leases to deposits | 60.7669% | 3,321 |
| Net loans and leases to core deposits | 62.9574% | 3,380 |
| Total domestic deposits to total assets | 89.6813% | 932 |
| Equity capital to assets | 7.7136% | 4,671 |
| Core capital (leverage) ratio | 7.8361% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1352% | 2,671 |
| Memoranda: | ||
| Average total assets | $1,324,322,667 | 755 |
| Average earning assets | $1,256,795,333 | 742 |
| Average equity | $103,459,000 | 996 |
| Average total loans | $783,124,000 | 828 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5737% | 2,726 |
| Cost of funding earning assets | 0.2633% | 3,343 |
| Net interest margin | 3.3105% | 2,359 |
| Noninterest income to average assets | 0.7513% | 1,704 |
| Noninterest expense to average assets | 2.3756% | 2,579 |
| Loan and lease loss provision to assets | 0.0852% | 1,536 |
| Net operating income to assets | 1.0747% | 2,552 |
| Return on assets (ROA) | 1.0747% | 2,639 |
| Pretax return on assets | 1.4267% | 2,202 |
| Return on Equity (ROE) | 13.6642% | 1,500 |
| Retained earnings to average equity (ytd only) | 13.6642% | 793 |
| Net charge-offs to loans | -0.0167% | 3,906 |
| Credit loss provision to net charge-offs | -833.3333% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1093% | 2,894 |
| Assets per employee ($millions) | 6.5853% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 2,042 |
| Loan loss allowance to noncurrent loans | 444.4084% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 3,108 |
| Noncurrent loans to loans | 0.3108% | 2,990 |
| Net loans and leases to total assets | 60.0663% | 2,536 |
| Net loans and leases to deposits | 67.1620% | 2,791 |
| Net loans and leases to core deposits | 69.7007% | 2,894 |
| Total domestic deposits to total assets | 89.4351% | 1,101 |
| Equity capital to assets | 7.8106% | 4,589 |
| Core capital (leverage) ratio | 7.8132% | 4,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0091% | 2,659 |
| Memoranda: | ||
| Average total assets | $1,291,106,000 | 771 |
| Average earning assets | $1,223,152,500 | 755 |
| Average equity | $101,550,000 | 1,002 |
| Average total loans | $790,245,000 | 820 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 2,908 |
| Cost of funding earning assets | 0.5102% | 2,882 |
| Net interest margin | 3.4273% | 2,685 |
| Noninterest income to average assets | 0.5618% | 2,367 |
| Noninterest expense to average assets | 2.2320% | 3,586 |
| Loan and lease loss provision to assets | 0.2587% | 1,502 |
| Net operating income to assets | 1.1036% | 1,914 |
| Return on assets (ROA) | 1.1036% | 2,033 |
| Pretax return on assets | 1.3024% | 1,971 |
| Return on Equity (ROE) | 13.1483% | 1,006 |
| Retained earnings to average equity (ytd only) | 11.9049% | 324 |
| Net charge-offs to loans | 0.0185% | 2,710 |
| Credit loss provision to net charge-offs | 2,067.8571% | 429 |
| Earnings coverage of net charge-offs (x) | 124.7857% | 685 |
| Efficiency ratio | 58.8447% | 3,607 |
| Assets per employee ($millions) | 6.5221% | 1,907 |
| Cash dividends to net income (ytd only)* | 9.4567% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 2,166 |
| Loan loss allowance to noncurrent loans | 827.6398% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 3,671 |
| Noncurrent loans to loans | 0.1638% | 3,621 |
| Net loans and leases to total assets | 60.6782% | 2,773 |
| Net loans and leases to deposits | 68.2644% | 3,051 |
| Net loans and leases to core deposits | 70.9416% | 3,177 |
| Total domestic deposits to total assets | 88.8870% | 1,037 |
| Equity capital to assets | 7.9212% | 4,738 |
| Core capital (leverage) ratio | 7.6021% | 4,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5933% | 2,776 |
| Memoranda: | ||
| Average total assets | $1,119,106,400 | 798 |
| Average earning assets | $1,055,119,800 | 780 |
| Average equity | $93,935,800 | 1,018 |
| Average total loans | $756,634,000 | 817 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 2,967 |
| Cost of funding earning assets | 0.5811% | 2,732 |
| Net interest margin | 3.4215% | 2,847 |
| Noninterest income to average assets | 0.6065% | 2,149 |
| Noninterest expense to average assets | 2.3272% | 3,351 |
| Loan and lease loss provision to assets | 0.2958% | 1,367 |
| Net operating income to assets | 0.9842% | 2,393 |
| Return on assets (ROA) | 0.9842% | 2,530 |
| Pretax return on assets | 1.2056% | 2,372 |
| Return on Equity (ROE) | 11.5329% | 1,502 |
| Retained earnings to average equity (ytd only) | 11.5329% | 492 |
| Net charge-offs to loans | 0.0756% | 1,553 |
| Credit loss provision to net charge-offs | 563.5294% | 1,201 |
| Earnings coverage of net charge-offs (x) | 28.5976% | 1,630 |
| Efficiency ratio | 60.7847% | 3,264 |
| Assets per employee ($millions) | 5.8763% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,551 |
| Loan loss allowance to noncurrent loans | 640.4021% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 3,605 |
| Noncurrent loans to loans | 0.1907% | 3,629 |
| Net loans and leases to total assets | 68.9845% | 2,114 |
| Net loans and leases to deposits | 78.2703% | 2,507 |
| Net loans and leases to core deposits | 81.9994% | 2,663 |
| Total domestic deposits to total assets | 88.1363% | 1,157 |
| Equity capital to assets | 8.3894% | 4,526 |
| Core capital (leverage) ratio | 8.0256% | 4,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2307% | 2,857 |
| Memoranda: | ||
| Average total assets | $1,079,301,750 | 807 |
| Average earning assets | $1,016,421,000 | 796 |
| Average equity | $92,105,000 | 1,027 |
| Average total loans | $749,211,250 | 819 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 3,126 |
| Cost of funding earning assets | 0.6587% | 2,631 |
| Net interest margin | 3.4112% | 3,065 |
| Noninterest income to average assets | 0.6738% | 1,838 |
| Noninterest expense to average assets | 2.3572% | 3,379 |
| Loan and lease loss provision to assets | 0.3836% | 1,073 |
| Net operating income to assets | 0.9523% | 2,479 |
| Return on assets (ROA) | 0.9523% | 2,612 |
| Pretax return on assets | 1.1419% | 2,575 |
| Return on Equity (ROE) | 11.0910% | 1,599 |
| Retained earnings to average equity (ytd only) | 11.0910% | 586 |
| Net charge-offs to loans | 0.1083% | 1,211 |
| Credit loss provision to net charge-offs | 511.3924% | 1,214 |
| Earnings coverage of net charge-offs (x) | 20.3367% | 1,688 |
| Efficiency ratio | 60.7111% | 3,319 |
| Assets per employee ($millions) | 6.0718% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 2,610 |
| Loan loss allowance to noncurrent loans | 476.9770% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 3,543 |
| Noncurrent loans to loans | 0.2475% | 3,492 |
| Net loans and leases to total assets | 68.4425% | 2,276 |
| Net loans and leases to deposits | 77.0342% | 2,757 |
| Net loans and leases to core deposits | 80.3903% | 2,912 |
| Total domestic deposits to total assets | 88.8470% | 805 |
| Equity capital to assets | 8.0979% | 4,669 |
| Core capital (leverage) ratio | 8.0352% | 4,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2016% | 2,916 |
| Memoranda: | ||
| Average total assets | $1,053,192,000 | 810 |
| Average earning assets | $990,730,333 | 795 |
| Average equity | $90,434,000 | 1,031 |
| Average total loans | $729,461,333 | 831 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3003% | 2,920 |
| Cost of funding earning assets | 0.8218% | 2,268 |
| Net interest margin | 3.4785% | 3,051 |
| Noninterest income to average assets | 0.6556% | 1,817 |
| Noninterest expense to average assets | 2.5937% | 2,998 |
| Loan and lease loss provision to assets | 0.2989% | 1,037 |
| Net operating income to assets | 0.8298% | 2,799 |
| Return on assets (ROA) | 0.8298% | 2,883 |
| Pretax return on assets | 1.0292% | 2,743 |
| Return on Equity (ROE) | 9.3523% | 1,978 |
| Retained earnings to average equity (ytd only) | 9.3523% | 885 |
| Net charge-offs to loans | 0.0991% | 1,086 |
| Credit loss provision to net charge-offs | 435.6725% | 954 |
| Earnings coverage of net charge-offs (x) | 19.3567% | 1,438 |
| Efficiency ratio | 66.1346% | 2,942 |
| Assets per employee ($millions) | 5.3028% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 2,667 |
| Loan loss allowance to noncurrent loans | 372.2564% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 3,433 |
| Noncurrent loans to loans | 0.3226% | 3,336 |
| Net loans and leases to total assets | 68.5196% | 2,466 |
| Net loans and leases to deposits | 78.0067% | 2,890 |
| Net loans and leases to core deposits | 81.3264% | 3,084 |
| Total domestic deposits to total assets | 87.8380% | 1,167 |
| Equity capital to assets | 8.8827% | 4,659 |
| Core capital (leverage) ratio | 8.6539% | 4,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6802% | 3,190 |
| Memoranda: | ||
| Average total assets | $996,891,000 | 821 |
| Average earning assets | $936,031,000 | 809 |
| Average equity | $88,448,500 | 1,046 |
| Average total loans | $690,477,500 | 846 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7404% | 2,208 |
| Cost of funding earning assets | 0.9212% | 2,109 |
| Net interest margin | 3.8192% | 2,443 |
| Noninterest income to average assets | 0.6192% | 2,134 |
| Noninterest expense to average assets | 2.8432% | 2,468 |
| Loan and lease loss provision to assets | 0.0899% | 2,225 |
| Net operating income to assets | 1.0460% | 2,673 |
| Return on assets (ROA) | 1.0181% | 2,872 |
| Pretax return on assets | 1.1644% | 2,971 |
| Return on Equity (ROE) | 11.3130% | 1,764 |
| Retained earnings to average equity (ytd only) | 8.9092% | 732 |
| Net charge-offs to loans | 0.0256% | 2,880 |
| Credit loss provision to net charge-offs | 496.9697% | 594 |
| Earnings coverage of net charge-offs (x) | 71.1394% | 877 |
| Efficiency ratio | 68.8498% | 2,336 |
| Assets per employee ($millions) | 5.0552% | 2,511 |
| Cash dividends to net income (ytd only)* | 21.2487% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 2,585 |
| Loan loss allowance to noncurrent loans | 540.3964% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 3,715 |
| Noncurrent loans to loans | 0.2168% | 3,679 |
| Net loans and leases to total assets | 68.3595% | 2,626 |
| Net loans and leases to deposits | 78.0799% | 2,994 |
| Net loans and leases to core deposits | 80.9838% | 3,214 |
| Total domestic deposits to total assets | 87.5507% | 1,345 |
| Equity capital to assets | 8.8617% | 4,762 |
| Core capital (leverage) ratio | 8.6415% | 4,762 |
| Tier 1 risk-based capital ratio | 10.7427% | 4,949 |
| Total risk-based capital ratio | 11.7478% | 4,944 |
| Memoranda: | ||
| Average total assets | $912,496,200 | 867 |
| Average earning assets | $838,704,000 | 862 |
| Average equity | $82,117,800 | 1,070 |
| Average total loans | $643,355,000 | 860 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7798% | 2,179 |
| Cost of funding earning assets | 0.9280% | 2,091 |
| Net interest margin | 3.8518% | 2,423 |
| Noninterest income to average assets | 0.5842% | 2,288 |
| Noninterest expense to average assets | 2.8453% | 2,422 |
| Loan and lease loss provision to assets | 0.1204% | 1,625 |
| Net operating income to assets | 0.9868% | 3,027 |
| Return on assets (ROA) | 0.9486% | 3,244 |
| Pretax return on assets | 1.0966% | 3,305 |
| Return on Equity (ROE) | 10.4976% | 2,214 |
| Retained earnings to average equity (ytd only) | 10.4976% | 628 |
| Net charge-offs to loans | 0.0149% | 2,863 |
| Credit loss provision to net charge-offs | 1,140.8451% | 313 |
| Earnings coverage of net charge-offs (x) | 119.4420% | 651 |
| Efficiency ratio | 69.2932% | 2,217 |
| Assets per employee ($millions) | 4.8041% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,401 |
| Loan loss allowance to noncurrent loans | 308.0987% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 3,428 |
| Noncurrent loans to loans | 0.3960% | 3,122 |
| Net loans and leases to total assets | 70.1176% | 2,452 |
| Net loans and leases to deposits | 80.1512% | 2,880 |
| Net loans and leases to core deposits | 83.1173% | 3,172 |
| Total domestic deposits to total assets | 87.4816% | 1,267 |
| Equity capital to assets | 9.3057% | 4,593 |
| Core capital (leverage) ratio | 9.2660% | 4,409 |
| Tier 1 risk-based capital ratio | 11.0014% | 4,905 |
| Total risk-based capital ratio | 12.0532% | 4,892 |
| Memoranda: | ||
| Average total assets | $896,707,500 | 879 |
| Average earning assets | $819,923,750 | 883 |
| Average equity | $81,032,500 | 1,073 |
| Average total loans | $635,479,750 | 871 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 2,139 |
| Cost of funding earning assets | 0.9470% | 1,933 |
| Net interest margin | 3.8283% | 2,486 |
| Noninterest income to average assets | 0.6037% | 2,128 |
| Noninterest expense to average assets | 2.8624% | 2,377 |
| Loan and lease loss provision to assets | 0.1227% | 1,524 |
| Net operating income to assets | 0.9392% | 3,134 |
| Return on assets (ROA) | 0.8821% | 3,415 |
| Pretax return on assets | 1.0316% | 3,444 |
| Return on Equity (ROE) | 9.8626% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.8626% | 799 |
| Net charge-offs to loans | 0.0156% | 2,583 |
| Credit loss provision to net charge-offs | 1,112.2449% | 311 |
| Earnings coverage of net charge-offs (x) | 110.6327% | 648 |
| Efficiency ratio | 70.1026% | 2,207 |
| Assets per employee ($millions) | 4.4236% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 2,461 |
| Loan loss allowance to noncurrent loans | 247.3499% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 2,799 |
| Noncurrent loans to loans | 0.4901% | 2,812 |
| Net loans and leases to total assets | 70.3027% | 2,486 |
| Net loans and leases to deposits | 80.1608% | 2,935 |
| Net loans and leases to core deposits | 82.6405% | 3,231 |
| Total domestic deposits to total assets | 87.7022% | 1,241 |
| Equity capital to assets | 9.2321% | 4,626 |
| Core capital (leverage) ratio | 9.2043% | 4,452 |
| Tier 1 risk-based capital ratio | 10.9894% | 4,910 |
| Total risk-based capital ratio | 12.0393% | 4,909 |
| Memoranda: | ||
| Average total assets | $888,145,000 | 885 |
| Average earning assets | $807,201,670 | 891 |
| Average equity | $79,431,670 | 1,087 |
| Average total loans | $629,056,330 | 878 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 1,873 |
| Cost of funding earning assets | 0.9505% | 1,790 |
| Net interest margin | 3.8587% | 2,318 |
| Noninterest income to average assets | 0.6807% | 1,681 |
| Noninterest expense to average assets | 2.8627% | 2,378 |
| Loan and lease loss provision to assets | 0.1404% | 1,220 |
| Net operating income to assets | 0.9719% | 2,967 |
| Return on assets (ROA) | 0.9719% | 3,007 |
| Pretax return on assets | 1.1286% | 3,049 |
| Return on Equity (ROE) | 11.0483% | 1,929 |
| Retained earnings to average equity (ytd only) | 11.0483% | 793 |
| Net charge-offs to loans | 0.0167% | 2,133 |
| Credit loss provision to net charge-offs | 1,192.3077% | 327 |
| Earnings coverage of net charge-offs (x) | 107.7692% | 641 |
| Efficiency ratio | 69.2864% | 2,459 |
| Assets per employee ($millions) | 4.6178% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,573 |
| Loan loss allowance to noncurrent loans | 277.2259% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 2,729 |
| Noncurrent loans to loans | 0.4329% | 3,031 |
| Net loans and leases to total assets | 71.4457% | 2,267 |
| Net loans and leases to deposits | 81.6233% | 2,649 |
| Net loans and leases to core deposits | 84.1121% | 3,018 |
| Total domestic deposits to total assets | 87.5310% | 1,558 |
| Equity capital to assets | 9.1427% | 4,583 |
| Core capital (leverage) ratio | 9.1754% | 4,496 |
| Tier 1 risk-based capital ratio | 11.1902% | 4,890 |
| Total risk-based capital ratio | 12.2534% | 4,877 |
| Memoranda: | ||
| Average total assets | $883,220,000 | 891 |
| Average earning assets | $789,901,000 | 914 |
| Average equity | $77,695,500 | 1,103 |
| Average total loans | $624,053,500 | 891 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8444% | 1,438 |
| Cost of funding earning assets | 0.7303% | 1,904 |
| Net interest margin | 4.1140% | 1,637 |
| Noninterest income to average assets | 0.5150% | 2,751 |
| Noninterest expense to average assets | 2.8362% | 2,562 |
| Loan and lease loss provision to assets | 0.1183% | 1,860 |
| Net operating income to assets | 0.9668% | 3,152 |
| Return on assets (ROA) | 0.9643% | 3,159 |
| Pretax return on assets | 1.1868% | 2,924 |
| Return on Equity (ROE) | 10.7044% | 2,205 |
| Retained earnings to average equity (ytd only) | 9.0612% | 839 |
| Net charge-offs to loans | 0.0703% | 2,111 |
| Credit loss provision to net charge-offs | 232.6829% | 1,270 |
| Earnings coverage of net charge-offs (x) | 25.7366% | 1,759 |
| Efficiency ratio | 68.4346% | 2,478 |
| Assets per employee ($millions) | 4.8820% | 2,639 |
| Cash dividends to net income (ytd only)* | 15.3510% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 2,728 |
| Loan loss allowance to noncurrent loans | 224.0037% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 2,568 |
| Noncurrent loans to loans | 0.5218% | 2,709 |
| Net loans and leases to total assets | 68.2480% | 2,847 |
| Net loans and leases to deposits | 77.8115% | 3,187 |
| Net loans and leases to core deposits | 79.9539% | 3,431 |
| Total domestic deposits to total assets | 87.7095% | 1,445 |
| Equity capital to assets | 8.4626% | 4,954 |
| Core capital (leverage) ratio | 8.7893% | 4,817 |
| Tier 1 risk-based capital ratio | 11.1423% | 4,899 |
| Total risk-based capital ratio | 12.1894% | 4,891 |
| Memoranda: | ||
| Average total assets | $806,619,400 | 944 |
| Average earning assets | $711,588,600 | 972 |
| Average equity | $72,661,600 | 1,119 |
| Average total loans | $583,272,200 | 925 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7734% | 1,486 |
| Cost of funding earning assets | 0.6651% | 2,064 |
| Net interest margin | 4.1082% | 1,601 |
| Noninterest income to average assets | 0.5090% | 2,816 |
| Noninterest expense to average assets | 2.8292% | 2,533 |
| Loan and lease loss provision to assets | 0.1429% | 1,393 |
| Net operating income to assets | 0.9684% | 3,224 |
| Return on assets (ROA) | 0.9650% | 3,254 |
| Pretax return on assets | 1.1894% | 3,032 |
| Return on Equity (ROE) | 10.5294% | 2,382 |
| Retained earnings to average equity (ytd only) | 10.5294% | 759 |
| Net charge-offs to loans | 0.0007% | 3,476 |
| Credit loss provision to net charge-offs | 28,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 2,618.6000% | 24 |
| Efficiency ratio | 67.9164% | 2,553 |
| Assets per employee ($millions) | 4.5254% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,433 |
| Loan loss allowance to noncurrent loans | 152.4146% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 1,931 |
| Noncurrent loans to loans | 0.8095% | 2,087 |
| Net loans and leases to total assets | 72.9146% | 2,183 |
| Net loans and leases to deposits | 82.9881% | 2,713 |
| Net loans and leases to core deposits | 85.3906% | 3,057 |
| Total domestic deposits to total assets | 87.8615% | 1,301 |
| Equity capital to assets | 8.9065% | 4,633 |
| Core capital (leverage) ratio | 9.2912% | 4,412 |
| Tier 1 risk-based capital ratio | 11.1954% | 4,945 |
| Total risk-based capital ratio | 12.3031% | 4,911 |
| Memoranda: | ||
| Average total assets | $783,700,750 | 965 |
| Average earning assets | $697,577,750 | 989 |
| Average equity | $71,822,250 | 1,136 |
| Average total loans | $574,010,500 | 937 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7182% | 1,460 |
| Cost of funding earning assets | 0.6206% | 2,102 |
| Net interest margin | 4.0976% | 1,570 |
| Noninterest income to average assets | 0.5301% | 2,688 |
| Noninterest expense to average assets | 2.8405% | 2,535 |
| Loan and lease loss provision to assets | 0.1561% | 1,205 |
| Net operating income to assets | 0.9544% | 3,213 |
| Return on assets (ROA) | 0.9492% | 3,251 |
| Pretax return on assets | 1.1783% | 3,017 |
| Return on Equity (ROE) | 10.2534% | 2,451 |
| Retained earnings to average equity (ytd only) | 10.2534% | 854 |
| Net charge-offs to loans | -0.0167% | 4,493 |
| Credit loss provision to net charge-offs | -1,276.5957% | 4,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9316% | 2,657 |
| Assets per employee ($millions) | 4.4187% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 2,267 |
| Loan loss allowance to noncurrent loans | 161.7466% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7448% | 2,006 |
| Noncurrent loans to loans | 0.7918% | 2,148 |
| Net loans and leases to total assets | 72.4727% | 2,202 |
| Net loans and leases to deposits | 85.0295% | 2,427 |
| Net loans and leases to core deposits | 87.5900% | 2,762 |
| Total domestic deposits to total assets | 85.2324% | 2,587 |
| Equity capital to assets | 9.2490% | 4,332 |
| Core capital (leverage) ratio | 9.6621% | 3,929 |
| Tier 1 risk-based capital ratio | 10.8742% | 5,119 |
| Total risk-based capital ratio | 11.9482% | 5,091 |
| Memoranda: | ||
| Average total assets | $768,882,000 | 982 |
| Average earning assets | $685,129,670 | 1,012 |
| Average equity | $71,176,330 | 1,142 |
| Average total loans | $561,550,670 | 949 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6022% | 1,568 |
| Cost of funding earning assets | 0.5808% | 2,165 |
| Net interest margin | 4.0213% | 1,656 |
| Noninterest income to average assets | 0.5804% | 2,362 |
| Noninterest expense to average assets | 2.7922% | 2,714 |
| Loan and lease loss provision to assets | 0.1574% | 1,149 |
| Net operating income to assets | 0.9818% | 2,931 |
| Return on assets (ROA) | 0.9713% | 3,008 |
| Pretax return on assets | 1.2143% | 2,698 |
| Return on Equity (ROE) | 10.4878% | 2,178 |
| Retained earnings to average equity (ytd only) | 10.4878% | 1,018 |
| Net charge-offs to loans | -0.0994% | 5,203 |
| Credit loss provision to net charge-offs | -217.3913% | 3,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8467% | 3,024 |
| Assets per employee ($millions) | 4.5612% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,404 |
| Loan loss allowance to noncurrent loans | 129.9145% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.8170% | 1,941 |
| Noncurrent loans to loans | 0.9768% | 1,867 |
| Net loans and leases to total assets | 72.9702% | 2,030 |
| Net loans and leases to deposits | 86.2830% | 2,127 |
| Net loans and leases to core deposits | 90.6119% | 2,405 |
| Total domestic deposits to total assets | 84.5709% | 3,089 |
| Equity capital to assets | 9.3056% | 4,263 |
| Core capital (leverage) ratio | 9.5444% | 4,018 |
| Tier 1 risk-based capital ratio | 11.0012% | 5,130 |
| Total risk-based capital ratio | 12.0870% | 5,121 |
| Memoranda: | ||
| Average total assets | $762,268,000 | 995 |
| Average earning assets | $681,768,000 | 1,020 |
| Average equity | $70,596,000 | 1,163 |
| Average total loans | $555,241,500 | 958 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5456% | 1,574 |
| Cost of funding earning assets | 0.4993% | 2,337 |
| Net interest margin | 4.0463% | 1,599 |
| Noninterest income to average assets | 0.5457% | 2,743 |
| Noninterest expense to average assets | 2.6692% | 3,232 |
| Loan and lease loss provision to assets | 0.2047% | 1,005 |
| Net operating income to assets | 0.8682% | 2,874 |
| Return on assets (ROA) | 0.8680% | 2,897 |
| Pretax return on assets | 1.3108% | 2,305 |
| Return on Equity (ROE) | 9.1733% | 2,232 |
| Retained earnings to average equity (ytd only) | 7.6719% | 870 |
| Net charge-offs to loans | 0.1177% | 1,869 |
| Credit loss provision to net charge-offs | 244.1860% | 1,130 |
| Earnings coverage of net charge-offs (x) | 18.0781% | 2,092 |
| Efficiency ratio | 63.7801% | 3,635 |
| Assets per employee ($millions) | 4.7087% | 2,852 |
| Cash dividends to net income (ytd only)* | 16.3671% | 3,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 2,635 |
| Loan loss allowance to noncurrent loans | 151.6165% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.6962% | 2,230 |
| Noncurrent loans to loans | 0.8078% | 2,193 |
| Net loans and leases to total assets | 70.8957% | 2,380 |
| Net loans and leases to deposits | 82.4828% | 2,673 |
| Net loans and leases to core deposits | 86.4161% | 2,882 |
| Total domestic deposits to total assets | 85.9522% | 2,458 |
| Equity capital to assets | 9.2171% | 4,511 |
| Core capital (leverage) ratio | 8.9907% | 4,662 |
| Tier 1 risk-based capital ratio | 10.6348% | 5,326 |
| Total risk-based capital ratio | 11.6466% | 5,320 |
| Memoranda: | ||
| Average total assets | $717,956,400 | 1,017 |
| Average earning assets | $645,748,800 | 1,039 |
| Average equity | $67,936,200 | 1,179 |
| Average total loans | $511,631,000 | 1,005 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 1,668 |
| Cost of funding earning assets | 0.4896% | 2,356 |
| Net interest margin | 4.0021% | 1,695 |
| Noninterest income to average assets | 0.5550% | 2,700 |
| Noninterest expense to average assets | 2.6568% | 3,224 |
| Loan and lease loss provision to assets | 0.2207% | 840 |
| Net operating income to assets | 0.9334% | 2,861 |
| Return on assets (ROA) | 0.9331% | 2,923 |
| Pretax return on assets | 1.2900% | 2,541 |
| Return on Equity (ROE) | 9.7924% | 2,212 |
| Retained earnings to average equity (ytd only) | 9.7924% | 629 |
| Net charge-offs to loans | 0.1141% | 1,652 |
| Credit loss provision to net charge-offs | 272.0930% | 1,064 |
| Earnings coverage of net charge-offs (x) | 18.6279% | 2,033 |
| Efficiency ratio | 63.7442% | 3,597 |
| Assets per employee ($millions) | 4.6091% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,699 |
| Loan loss allowance to noncurrent loans | 199.7571% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 2,764 |
| Noncurrent loans to loans | 0.6201% | 2,852 |
| Net loans and leases to total assets | 72.9385% | 2,110 |
| Net loans and leases to deposits | 86.4753% | 2,241 |
| Net loans and leases to core deposits | 91.4781% | 2,496 |
| Total domestic deposits to total assets | 84.3461% | 2,981 |
| Equity capital to assets | 9.7907% | 4,160 |
| Core capital (leverage) ratio | 9.8403% | 3,769 |
| Tier 1 risk-based capital ratio | 11.0779% | 5,199 |
| Total risk-based capital ratio | 12.1157% | 5,213 |
| Memoranda: | ||
| Average total assets | $706,743,250 | 1,039 |
| Average earning assets | $638,016,250 | 1,058 |
| Average equity | $67,343,000 | 1,191 |
| Average total loans | $502,662,500 | 1,022 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 1,734 |
| Cost of funding earning assets | 0.4798% | 2,328 |
| Net interest margin | 3.9483% | 1,782 |
| Noninterest income to average assets | 0.5348% | 2,797 |
| Noninterest expense to average assets | 2.6189% | 3,373 |
| Loan and lease loss provision to assets | 0.2476% | 677 |
| Net operating income to assets | 0.8965% | 2,931 |
| Return on assets (ROA) | 0.8946% | 2,996 |
| Pretax return on assets | 1.2305% | 2,657 |
| Return on Equity (ROE) | 9.4776% | 2,286 |
| Retained earnings to average equity (ytd only) | 9.4776% | 717 |
| Net charge-offs to loans | 0.1691% | 1,151 |
| Credit loss provision to net charge-offs | 208.6331% | 1,229 |
| Earnings coverage of net charge-offs (x) | 12.4748% | 2,194 |
| Efficiency ratio | 63.8825% | 3,688 |
| Assets per employee ($millions) | 4.7075% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,824 |
| Loan loss allowance to noncurrent loans | 195.6157% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 2,750 |
| Noncurrent loans to loans | 0.6295% | 2,842 |
| Net loans and leases to total assets | 71.4627% | 2,288 |
| Net loans and leases to deposits | 83.8767% | 2,497 |
| Net loans and leases to core deposits | 88.1286% | 2,690 |
| Total domestic deposits to total assets | 85.1997% | 2,733 |
| Equity capital to assets | 9.6931% | 4,232 |
| Core capital (leverage) ratio | 9.7894% | 3,791 |
| Tier 1 risk-based capital ratio | 11.1397% | 5,181 |
| Total risk-based capital ratio | 12.1640% | 5,208 |
| Memoranda: | ||
| Average total assets | $702,650,670 | 1,044 |
| Average earning assets | $634,404,000 | 1,068 |
| Average equity | $66,325,000 | 1,206 |
| Average total loans | $493,209,670 | 1,037 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 1,904 |
| Cost of funding earning assets | 0.4621% | 2,414 |
| Net interest margin | 3.8572% | 1,930 |
| Noninterest income to average assets | 0.5142% | 2,883 |
| Noninterest expense to average assets | 2.5898% | 3,533 |
| Loan and lease loss provision to assets | 0.2968% | 463 |
| Net operating income to assets | 0.7995% | 3,224 |
| Return on assets (ROA) | 0.7978% | 3,284 |
| Pretax return on assets | 1.1031% | 2,967 |
| Return on Equity (ROE) | 8.5682% | 2,634 |
| Retained earnings to average equity (ytd only) | 8.5682% | 1,247 |
| Net charge-offs to loans | 0.5269% | 343 |
| Credit loss provision to net charge-offs | 81.5047% | 1,751 |
| Earnings coverage of net charge-offs (x) | 3.8511% | 2,443 |
| Efficiency ratio | 64.8749% | 3,681 |
| Assets per employee ($millions) | 4.6652% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 3,373 |
| Loan loss allowance to noncurrent loans | 138.3221% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 2,413 |
| Noncurrent loans to loans | 0.8370% | 2,364 |
| Net loans and leases to total assets | 69.8002% | 2,422 |
| Net loans and leases to deposits | 81.0645% | 2,617 |
| Net loans and leases to core deposits | 85.3231% | 2,782 |
| Total domestic deposits to total assets | 86.1045% | 2,623 |
| Equity capital to assets | 9.4502% | 4,335 |
| Core capital (leverage) ratio | 9.6353% | 3,949 |
| Tier 1 risk-based capital ratio | 11.2810% | 5,150 |
| Total risk-based capital ratio | 12.2481% | 5,223 |
| Memoranda: | ||
| Average total assets | $700,911,500 | 1,052 |
| Average earning assets | $631,965,000 | 1,071 |
| Average equity | $65,264,500 | 1,223 |
| Average total loans | $484,359,500 | 1,051 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4120% | 1,783 |
| Cost of funding earning assets | 0.4701% | 2,349 |
| Net interest margin | 3.9419% | 1,815 |
| Noninterest income to average assets | 0.6386% | 2,462 |
| Noninterest expense to average assets | 2.7115% | 3,314 |
| Loan and lease loss provision to assets | 0.2285% | 948 |
| Net operating income to assets | 0.9567% | 2,549 |
| Return on assets (ROA) | 0.9574% | 2,656 |
| Pretax return on assets | 1.2813% | 2,349 |
| Return on Equity (ROE) | 9.5971% | 2,146 |
| Retained earnings to average equity (ytd only) | 7.9936% | 859 |
| Net charge-offs to loans | 0.0721% | 2,667 |
| Credit loss provision to net charge-offs | 456.2500% | 707 |
| Earnings coverage of net charge-offs (x) | 30.1250% | 1,431 |
| Efficiency ratio | 64.2486% | 3,898 |
| Assets per employee ($millions) | 4.6803% | 2,823 |
| Cash dividends to net income (ytd only)* | 16.7075% | 3,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,938 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 2,390 |
| Noncurrent loans to loans | 0.8201% | 2,470 |
| Net loans and leases to total assets | 66.7640% | 2,963 |
| Net loans and leases to deposits | 77.2245% | 3,189 |
| Net loans and leases to core deposits | 81.7689% | 3,225 |
| Total domestic deposits to total assets | 86.4545% | 2,397 |
| Equity capital to assets | 9.1730% | 4,613 |
| Core capital (leverage) ratio | 9.3340% | 4,312 |
| Tier 1 risk-based capital ratio | 10.9284% | 5,379 |
| Total risk-based capital ratio | 11.9371% | 5,408 |
| Memoranda: | ||
| Average total assets | $638,899,000 | 1,105 |
| Average earning assets | $580,529,600 | 1,120 |
| Average equity | $63,738,200 | 1,233 |
| Average total loans | $443,642,000 | 1,099 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4231% | 1,784 |
| Cost of funding earning assets | 0.4715% | 2,349 |
| Net interest margin | 3.9516% | 1,813 |
| Noninterest income to average assets | 0.5788% | 2,770 |
| Noninterest expense to average assets | 2.7213% | 3,288 |
| Loan and lease loss provision to assets | 0.1936% | 1,115 |
| Net operating income to assets | 0.9328% | 2,739 |
| Return on assets (ROA) | 0.9338% | 2,856 |
| Pretax return on assets | 1.2659% | 2,551 |
| Return on Equity (ROE) | 9.1525% | 2,422 |
| Retained earnings to average equity (ytd only) | 9.1525% | 773 |
| Net charge-offs to loans | 0.0572% | 2,541 |
| Credit loss provision to net charge-offs | 483.9572% | 729 |
| Earnings coverage of net charge-offs (x) | 36.4434% | 1,311 |
| Efficiency ratio | 65.1103% | 3,744 |
| Assets per employee ($millions) | 4.5695% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 3,376 |
| Loan loss allowance to noncurrent loans | 105.0029% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.9111% | 2,275 |
| Noncurrent loans to loans | 1.1230% | 2,003 |
| Net loans and leases to total assets | 68.9639% | 2,648 |
| Net loans and leases to deposits | 80.4993% | 2,910 |
| Net loans and leases to core deposits | 85.4641% | 2,996 |
| Total domestic deposits to total assets | 85.6702% | 2,527 |
| Equity capital to assets | 10.0382% | 4,092 |
| Core capital (leverage) ratio | 10.0791% | 3,464 |
| Tier 1 risk-based capital ratio | 11.4955% | 5,088 |
| Total risk-based capital ratio | 12.4587% | 5,156 |
| Memoranda: | ||
| Average total assets | $623,113,500 | 1,130 |
| Average earning assets | $567,793,750 | 1,140 |
| Average equity | $63,573,250 | 1,245 |
| Average total loans | $435,915,250 | 1,119 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 1,834 |
| Cost of funding earning assets | 0.4693% | 2,378 |
| Net interest margin | 3.9289% | 1,885 |
| Noninterest income to average assets | 0.5037% | 3,166 |
| Noninterest expense to average assets | 2.7180% | 3,325 |
| Loan and lease loss provision to assets | 0.0867% | 2,413 |
| Net operating income to assets | 0.9190% | 2,774 |
| Return on assets (ROA) | 0.9204% | 2,904 |
| Pretax return on assets | 1.2933% | 2,436 |
| Return on Equity (ROE) | 8.9694% | 2,505 |
| Retained earnings to average equity (ytd only) | 8.9694% | 858 |
| Net charge-offs to loans | 0.1257% | 1,590 |
| Credit loss provision to net charge-offs | 98.5130% | 2,146 |
| Earnings coverage of net charge-offs (x) | 15.6617% | 1,977 |
| Efficiency ratio | 66.3579% | 3,621 |
| Assets per employee ($millions) | 4.1090% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 4,144 |
| Loan loss allowance to noncurrent loans | 86.0836% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.1674% | 1,806 |
| Noncurrent loans to loans | 1.2361% | 1,859 |
| Net loans and leases to total assets | 68.5376% | 2,703 |
| Net loans and leases to deposits | 80.5090% | 2,872 |
| Net loans and leases to core deposits | 86.0155% | 2,899 |
| Total domestic deposits to total assets | 85.1303% | 2,810 |
| Equity capital to assets | 10.2010% | 3,976 |
| Core capital (leverage) ratio | 10.4724% | 3,004 |
| Tier 1 risk-based capital ratio | 11.6960% | 5,036 |
| Total risk-based capital ratio | 12.5668% | 5,170 |
| Memoranda: | ||
| Average total assets | $611,482,000 | 1,160 |
| Average earning assets | $559,088,670 | 1,162 |
| Average equity | $62,747,000 | 1,259 |
| Average total loans | $428,152,670 | 1,138 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 1,785 |
| Cost of funding earning assets | 0.4810% | 2,266 |
| Net interest margin | 3.9247% | 1,868 |
| Noninterest income to average assets | 0.4897% | 3,198 |
| Noninterest expense to average assets | 2.7436% | 3,262 |
| Loan and lease loss provision to assets | 0.0969% | 2,079 |
| Net operating income to assets | 0.8763% | 2,870 |
| Return on assets (ROA) | 0.8758% | 2,986 |
| Pretax return on assets | 1.2352% | 2,559 |
| Return on Equity (ROE) | 8.5081% | 2,660 |
| Retained earnings to average equity (ytd only) | 8.5081% | 1,260 |
| Net charge-offs to loans | 0.1603% | 1,167 |
| Credit loss provision to net charge-offs | 85.7988% | 1,798 |
| Earnings coverage of net charge-offs (x) | 11.8047% | 1,841 |
| Efficiency ratio | 67.3058% | 3,579 |
| Assets per employee ($millions) | 3.8793% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 4,003 |
| Loan loss allowance to noncurrent loans | 72.0296% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.2036% | 1,814 |
| Noncurrent loans to loans | 1.5385% | 1,516 |
| Net loans and leases to total assets | 69.3664% | 2,447 |
| Net loans and leases to deposits | 81.3041% | 2,631 |
| Net loans and leases to core deposits | 85.9137% | 2,756 |
| Total domestic deposits to total assets | 85.3173% | 2,997 |
| Equity capital to assets | 10.4241% | 3,584 |
| Core capital (leverage) ratio | 10.3210% | 3,166 |
| Tier 1 risk-based capital ratio | 11.9871% | 4,924 |
| Total risk-based capital ratio | 12.8974% | 5,049 |
| Memoranda: | ||
| Average total assets | $598,773,500 | 1,180 |
| Average earning assets | $547,202,000 | 1,186 |
| Average equity | $61,635,500 | 1,270 |
| Average total loans | $421,624,000 | 1,157 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 1,180 |
| Cost of funding earning assets | 0.5224% | 1,976 |
| Net interest margin | 4.1477% | 1,287 |
| Noninterest income to average assets | 0.4791% | 3,468 |
| Noninterest expense to average assets | 2.7574% | 3,392 |
| Loan and lease loss provision to assets | 0.1146% | 2,092 |
| Net operating income to assets | 0.9674% | 2,538 |
| Return on assets (ROA) | 0.9719% | 2,586 |
| Pretax return on assets | 1.3761% | 1,993 |
| Return on Equity (ROE) | 9.0772% | 2,421 |
| Retained earnings to average equity (ytd only) | 6.3889% | 1,613 |
| Net charge-offs to loans | 0.2014% | 1,448 |
| Credit loss provision to net charge-offs | 79.7468% | 2,953 |
| Earnings coverage of net charge-offs (x) | 10.3329% | 2,698 |
| Efficiency ratio | 65.0062% | 4,086 |
| Assets per employee ($millions) | 3.9750% | 3,986 |
| Cash dividends to net income (ytd only)* | 29.6165% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 3,964 |
| Loan loss allowance to noncurrent loans | 75.2321% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.1832% | 1,840 |
| Noncurrent loans to loans | 1.4819% | 1,567 |
| Net loans and leases to total assets | 69.8997% | 2,376 |
| Net loans and leases to deposits | 81.9809% | 2,585 |
| Net loans and leases to core deposits | 86.6391% | 2,739 |
| Total domestic deposits to total assets | 85.2634% | 2,965 |
| Equity capital to assets | 10.1621% | 3,791 |
| Core capital (leverage) ratio | 10.1425% | 3,329 |
| Tier 1 risk-based capital ratio | 11.7783% | 5,089 |
| Total risk-based capital ratio | 12.6973% | 5,189 |
| Memoranda: | ||
| Average total assets | $549,947,800 | 1,233 |
| Average earning assets | $498,876,400 | 1,255 |
| Average equity | $58,883,800 | 1,279 |
| Average total loans | $392,158,400 | 1,178 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7148% | 1,072 |
| Cost of funding earning assets | 0.4915% | 2,302 |
| Net interest margin | 4.2233% | 1,116 |
| Noninterest income to average assets | 0.4998% | 3,361 |
| Noninterest expense to average assets | 2.7695% | 3,308 |
| Loan and lease loss provision to assets | 0.1263% | 1,790 |
| Net operating income to assets | 1.0135% | 2,402 |
| Return on assets (ROA) | 1.0198% | 2,474 |
| Pretax return on assets | 1.4349% | 1,887 |
| Return on Equity (ROE) | 9.3925% | 2,357 |
| Retained earnings to average equity (ytd only) | 7.8780% | 1,289 |
| Net charge-offs to loans | 0.0537% | 2,837 |
| Credit loss provision to net charge-offs | 329.0323% | 892 |
| Earnings coverage of net charge-offs (x) | 40.4390% | 1,235 |
| Efficiency ratio | 64.0823% | 4,232 |
| Assets per employee ($millions) | 3.7588% | 4,340 |
| Cash dividends to net income (ytd only)* | 16.1243% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 2,935 |
| Loan loss allowance to noncurrent loans | 78.1644% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.3789% | 1,673 |
| Noncurrent loans to loans | 1.7078% | 1,408 |
| Net loans and leases to total assets | 69.2469% | 2,496 |
| Net loans and leases to deposits | 81.5908% | 2,694 |
| Net loans and leases to core deposits | 86.7144% | 2,780 |
| Total domestic deposits to total assets | 84.8710% | 3,067 |
| Equity capital to assets | 10.8753% | 3,160 |
| Core capital (leverage) ratio | 11.0580% | 2,423 |
| Tier 1 risk-based capital ratio | 12.8103% | 4,542 |
| Total risk-based capital ratio | 13.9249% | 4,535 |
| Memoranda: | ||
| Average total assets | $538,370,750 | 1,269 |
| Average earning assets | $487,222,750 | 1,287 |
| Average equity | $58,456,750 | 1,296 |
| Average total loans | $384,828,000 | 1,201 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7186% | 1,032 |
| Cost of funding earning assets | 0.5360% | 1,936 |
| Net interest margin | 4.1826% | 1,141 |
| Noninterest income to average assets | 0.5128% | 3,281 |
| Noninterest expense to average assets | 2.7626% | 3,373 |
| Loan and lease loss provision to assets | 0.1465% | 1,466 |
| Net operating income to assets | 0.9873% | 2,454 |
| Return on assets (ROA) | 0.9948% | 2,525 |
| Pretax return on assets | 1.4106% | 1,935 |
| Return on Equity (ROE) | 9.1665% | 2,449 |
| Retained earnings to average equity (ytd only) | 7.3491% | 1,546 |
| Net charge-offs to loans | 0.0642% | 2,462 |
| Credit loss provision to net charge-offs | 317.0732% | 896 |
| Earnings coverage of net charge-offs (x) | 33.4715% | 1,270 |
| Efficiency ratio | 64.1095% | 4,341 |
| Assets per employee ($millions) | 3.6666% | 4,502 |
| Cash dividends to net income (ytd only)* | 19.8263% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 3,108 |
| Loan loss allowance to noncurrent loans | 78.7702% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.4373% | 1,738 |
| Noncurrent loans to loans | 1.6826% | 1,543 |
| Net loans and leases to total assets | 70.7751% | 2,196 |
| Net loans and leases to deposits | 83.1104% | 2,424 |
| Net loans and leases to core deposits | 88.4873% | 2,509 |
| Total domestic deposits to total assets | 85.1580% | 3,061 |
| Equity capital to assets | 10.8594% | 3,041 |
| Core capital (leverage) ratio | 11.0588% | 2,367 |
| Tier 1 risk-based capital ratio | 12.7335% | 4,659 |
| Total risk-based capital ratio | 13.8500% | 4,663 |
| Memoranda: | ||
| Average total assets | $532,391,330 | 1,287 |
| Average earning assets | $483,239,670 | 1,304 |
| Average equity | $57,775,670 | 1,315 |
| Average total loans | $382,957,670 | 1,205 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 1,001 |
| Cost of funding earning assets | 0.4539% | 2,733 |
| Net interest margin | 4.2644% | 954 |
| Noninterest income to average assets | 0.4566% | 3,595 |
| Noninterest expense to average assets | 2.8162% | 3,195 |
| Loan and lease loss provision to assets | 0.1588% | 1,279 |
| Net operating income to assets | 0.9393% | 2,565 |
| Return on assets (ROA) | 0.9541% | 2,621 |
| Pretax return on assets | 1.3669% | 2,011 |
| Return on Equity (ROE) | 8.7948% | 2,547 |
| Retained earnings to average equity (ytd only) | 6.0560% | 2,465 |
| Net charge-offs to loans | 0.0945% | 1,781 |
| Credit loss provision to net charge-offs | 233.3333% | 955 |
| Earnings coverage of net charge-offs (x) | 22.1111% | 1,359 |
| Efficiency ratio | 65.1794% | 4,290 |
| Assets per employee ($millions) | 3.6320% | 4,658 |
| Cash dividends to net income (ytd only)* | 31.1410% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 3,344 |
| Loan loss allowance to noncurrent loans | 69.1154% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.6295% | 1,564 |
| Noncurrent loans to loans | 1.8947% | 1,423 |
| Net loans and leases to total assets | 70.2512% | 2,104 |
| Net loans and leases to deposits | 82.6483% | 2,256 |
| Net loans and leases to core deposits | 87.9699% | 2,336 |
| Total domestic deposits to total assets | 85.0001% | 3,403 |
| Equity capital to assets | 10.8663% | 3,125 |
| Core capital (leverage) ratio | 10.9693% | 2,444 |
| Tier 1 risk-based capital ratio | 12.4281% | 4,959 |
| Total risk-based capital ratio | 13.5094% | 4,979 |
| Memoranda: | ||
| Average total assets | $529,089,000 | 1,291 |
| Average earning assets | $479,412,000 | 1,317 |
| Average equity | $57,397,500 | 1,330 |
| Average total loans | $381,137,000 | 1,212 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9703% | 824 |
| Cost of funding earning assets | 0.6024% | 1,738 |
| Net interest margin | 4.3678% | 936 |
| Noninterest income to average assets | 0.5706% | 3,047 |
| Noninterest expense to average assets | 2.7324% | 3,740 |
| Loan and lease loss provision to assets | 0.2666% | 820 |
| Net operating income to assets | 1.0663% | 2,103 |
| Return on assets (ROA) | 1.0671% | 2,152 |
| Pretax return on assets | 1.5169% | 1,484 |
| Return on Equity (ROE) | 9.8272% | 2,187 |
| Retained earnings to average equity (ytd only) | 3.2268% | 3,936 |
| Net charge-offs to loans | 0.6103% | 644 |
| Credit loss provision to net charge-offs | 59.3777% | 3,298 |
| Earnings coverage of net charge-offs (x) | 3.9698% | 3,773 |
| Efficiency ratio | 60.5221% | 5,143 |
| Assets per employee ($millions) | 3.5664% | 4,783 |
| Cash dividends to net income (ytd only)* | 67.1645% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 3,589 |
| Loan loss allowance to noncurrent loans | 67.2528% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 1.6915% | 1,582 |
| Noncurrent loans to loans | 1.8895% | 1,492 |
| Net loans and leases to total assets | 71.9788% | 1,916 |
| Net loans and leases to deposits | 85.0708% | 2,089 |
| Net loans and leases to core deposits | 91.2170% | 2,166 |
| Total domestic deposits to total assets | 84.6105% | 3,452 |
| Equity capital to assets | 10.8301% | 3,084 |
| Core capital (leverage) ratio | 10.7091% | 2,708 |
| Tier 1 risk-based capital ratio | 13.1127% | 4,644 |
| Total risk-based capital ratio | 14.2469% | 4,641 |
| Memoranda: | ||
| Average total assets | $508,278,800 | 1,317 |
| Average earning assets | $458,969,200 | 1,339 |
| Average equity | $55,193,600 | 1,325 |
| Average total loans | $373,907,000 | 1,182 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 785 |
| Cost of funding earning assets | 0.6037% | 1,794 |
| Net interest margin | 4.3875% | 900 |
| Noninterest income to average assets | 0.5753% | 3,026 |
| Noninterest expense to average assets | 2.7315% | 3,706 |
| Loan and lease loss provision to assets | 0.2789% | 738 |
| Net operating income to assets | 1.0816% | 2,104 |
| Return on assets (ROA) | 1.0827% | 2,168 |
| Pretax return on assets | 1.5343% | 1,529 |
| Return on Equity (ROE) | 9.9637% | 2,237 |
| Retained earnings to average equity (ytd only) | 3.5281% | 4,131 |
| Net charge-offs to loans | 0.7064% | 493 |
| Credit loss provision to net charge-offs | 53.5533% | 3,051 |
| Earnings coverage of net charge-offs (x) | 3.4782% | 3,654 |
| Efficiency ratio | 60.1234% | 5,162 |
| Assets per employee ($millions) | 4.0182% | 3,835 |
| Cash dividends to net income (ytd only)* | 64.5910% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 3,671 |
| Loan loss allowance to noncurrent loans | 75.6056% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.6525% | 1,834 |
| Noncurrent loans to loans | 1.7116% | 1,901 |
| Net loans and leases to total assets | 72.7771% | 1,718 |
| Net loans and leases to deposits | 86.7318% | 1,826 |
| Net loans and leases to core deposits | 93.6600% | 1,903 |
| Total domestic deposits to total assets | 83.9106% | 3,796 |
| Equity capital to assets | 10.9686% | 2,986 |
| Core capital (leverage) ratio | 10.8817% | 2,597 |
| Tier 1 risk-based capital ratio | 13.8207% | 4,344 |
| Total risk-based capital ratio | 15.0276% | 4,302 |
| Memoranda: | ||
| Average total assets | $504,281,500 | 1,337 |
| Average earning assets | $456,041,000 | 1,357 |
| Average equity | $54,797,250 | 1,337 |
| Average total loans | $371,829,000 | 1,195 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0070% | 744 |
| Cost of funding earning assets | 0.5958% | 1,934 |
| Net interest margin | 4.4112% | 828 |
| Noninterest income to average assets | 0.6108% | 2,760 |
| Noninterest expense to average assets | 2.7662% | 3,633 |
| Loan and lease loss provision to assets | 0.3006% | 656 |
| Net operating income to assets | 1.0984% | 1,949 |
| Return on assets (ROA) | 1.0978% | 2,014 |
| Pretax return on assets | 1.5231% | 1,469 |
| Return on Equity (ROE) | 10.1351% | 2,090 |
| Retained earnings to average equity (ytd only) | 4.5253% | 3,301 |
| Net charge-offs to loans | 0.9618% | 369 |
| Credit loss provision to net charge-offs | 42.3919% | 2,891 |
| Earnings coverage of net charge-offs (x) | 2.5727% | 3,522 |
| Efficiency ratio | 60.2567% | 5,259 |
| Assets per employee ($millions) | 4.1272% | 3,592 |
| Cash dividends to net income (ytd only)* | 55.3500% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 3,978 |
| Loan loss allowance to noncurrent loans | 68.3621% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.7034% | 1,919 |
| Noncurrent loans to loans | 1.8692% | 1,839 |
| Net loans and leases to total assets | 71.2526% | 1,876 |
| Net loans and leases to deposits | 84.4533% | 1,985 |
| Net loans and leases to core deposits | 91.4695% | 1,979 |
| Total domestic deposits to total assets | 84.3693% | 3,797 |
| Equity capital to assets | 10.8205% | 3,066 |
| Core capital (leverage) ratio | 11.2469% | 2,204 |
| Tier 1 risk-based capital ratio | 14.0692% | 4,221 |
| Total risk-based capital ratio | 15.2639% | 4,187 |
| Memoranda: | ||
| Average total assets | $502,272,000 | 1,338 |
| Average earning assets | $453,165,670 | 1,358 |
| Average equity | $54,405,000 | 1,335 |
| Average total loans | $370,352,670 | 1,193 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9682% | 766 |
| Cost of funding earning assets | 0.5758% | 2,190 |
| Net interest margin | 4.3925% | 817 |
| Noninterest income to average assets | 0.7290% | 2,037 |
| Noninterest expense to average assets | 2.8410% | 3,413 |
| Loan and lease loss provision to assets | 0.4481% | 355 |
| Net operating income to assets | 1.0463% | 2,021 |
| Return on assets (ROA) | 1.0463% | 2,091 |
| Pretax return on assets | 1.4249% | 1,659 |
| Return on Equity (ROE) | 9.6544% | 2,176 |
| Retained earnings to average equity (ytd only) | 1.8400% | 4,864 |
| Net charge-offs to loans | 0.3141% | 1,128 |
| Credit loss provision to net charge-offs | 191.3793% | 1,079 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,066 |
| Efficiency ratio | 60.2672% | 5,361 |
| Assets per employee ($millions) | 4.1014% | 3,718 |
| Cash dividends to net income (ytd only)* | 80.9414% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 2,650 |
| Loan loss allowance to noncurrent loans | 87.1991% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.7128% | 2,061 |
| Noncurrent loans to loans | 1.8466% | 2,073 |
| Net loans and leases to total assets | 74.4775% | 1,193 |
| Net loans and leases to deposits | 90.4082% | 1,102 |
| Net loans and leases to core deposits | 98.4013% | 1,212 |
| Total domestic deposits to total assets | 82.3792% | 4,823 |
| Equity capital to assets | 10.9155% | 2,801 |
| Core capital (leverage) ratio | 11.2115% | 2,213 |
| Tier 1 risk-based capital ratio | 13.9785% | 4,350 |
| Total risk-based capital ratio | 15.2320% | 4,288 |
| Memoranda: | ||
| Average total assets | $495,457,500 | 1,370 |
| Average earning assets | $449,495,500 | 1,373 |
| Average equity | $53,696,000 | 1,350 |
| Average total loans | $369,353,500 | 1,199 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0292% | 870 |
| Cost of funding earning assets | 0.6242% | 2,444 |
| Net interest margin | 4.4050% | 903 |
| Noninterest income to average assets | 0.5756% | 3,245 |
| Noninterest expense to average assets | 2.5830% | 4,525 |
| Loan and lease loss provision to assets | 0.3629% | 860 |
| Net operating income to assets | 1.1187% | 1,874 |
| Return on assets (ROA) | 1.1194% | 1,934 |
| Pretax return on assets | 1.6445% | 1,063 |
| Return on Equity (ROE) | 10.2536% | 2,008 |
| Retained earnings to average equity (ytd only) | 10.2536% | 518 |
| Net charge-offs to loans | 0.4230% | 1,581 |
| Credit loss provision to net charge-offs | 116.7781% | 2,061 |
| Earnings coverage of net charge-offs (x) | 6.4566% | 3,060 |
| Efficiency ratio | 56.2822% | 5,919 |
| Assets per employee ($millions) | 4.2642% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 2,786 |
| Loan loss allowance to noncurrent loans | 87.2530% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.6822% | 2,192 |
| Noncurrent loans to loans | 1.8259% | 2,204 |
| Net loans and leases to total assets | 72.2264% | 1,649 |
| Net loans and leases to deposits | 85.0294% | 1,807 |
| Net loans and leases to core deposits | 91.8295% | 1,810 |
| Total domestic deposits to total assets | 84.9429% | 3,778 |
| Equity capital to assets | 10.7595% | 2,868 |
| Core capital (leverage) ratio | 10.9287% | 2,452 |
| Tier 1 risk-based capital ratio | 14.3454% | 4,052 |
| Total risk-based capital ratio | 15.5983% | 3,996 |
| Memoranda: | ||
| Average total assets | $481,416,800 | 1,380 |
| Average earning assets | $438,658,800 | 1,387 |
| Average equity | $52,557,400 | 1,349 |
| Average total loans | $353,634,800 | 1,212 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0270% | 890 |
| Cost of funding earning assets | 0.6266% | 2,585 |
| Net interest margin | 4.4004% | 894 |
| Noninterest income to average assets | 0.5285% | 3,603 |
| Noninterest expense to average assets | 2.6568% | 4,170 |
| Loan and lease loss provision to assets | 0.2510% | 1,422 |
| Net operating income to assets | 1.1203% | 1,929 |
| Return on assets (ROA) | 1.1211% | 1,999 |
| Pretax return on assets | 1.6406% | 1,244 |
| Return on Equity (ROE) | 10.2305% | 2,089 |
| Retained earnings to average equity (ytd only) | 10.2305% | 741 |
| Net charge-offs to loans | 0.1389% | 3,149 |
| Credit loss provision to net charge-offs | 245.9016% | 1,003 |
| Earnings coverage of net charge-offs (x) | 18.5218% | 1,672 |
| Efficiency ratio | 58.4263% | 5,636 |
| Assets per employee ($millions) | 4.1177% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 2,604 |
| Loan loss allowance to noncurrent loans | 85.9957% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.9135% | 2,116 |
| Noncurrent loans to loans | 1.9849% | 2,266 |
| Net loans and leases to total assets | 73.7782% | 1,319 |
| Net loans and leases to deposits | 87.9082% | 1,371 |
| Net loans and leases to core deposits | 95.5199% | 1,430 |
| Total domestic deposits to total assets | 83.9264% | 4,219 |
| Equity capital to assets | 11.2142% | 2,547 |
| Core capital (leverage) ratio | 11.4147% | 2,110 |
| Tier 1 risk-based capital ratio | 14.7047% | 3,947 |
| Total risk-based capital ratio | 15.9584% | 3,908 |
| Memoranda: | ||
| Average total assets | $478,108,500 | 1,396 |
| Average earning assets | $436,648,250 | 1,397 |
| Average equity | $52,391,250 | 1,368 |
| Average total loans | $351,280,500 | 1,215 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0007% | 908 |
| Cost of funding earning assets | 0.6274% | 2,709 |
| Net interest margin | 4.3734% | 895 |
| Noninterest income to average assets | 0.5191% | 3,706 |
| Noninterest expense to average assets | 2.6570% | 4,194 |
| Loan and lease loss provision to assets | 0.2502% | 1,485 |
| Net operating income to assets | 1.1018% | 1,920 |
| Return on assets (ROA) | 1.1029% | 2,031 |
| Pretax return on assets | 1.6075% | 1,351 |
| Return on Equity (ROE) | 10.1430% | 2,143 |
| Retained earnings to average equity (ytd only) | 10.1430% | 814 |
| Net charge-offs to loans | 0.0749% | 3,642 |
| Credit loss provision to net charge-offs | 458.0153% | 595 |
| Earnings coverage of net charge-offs (x) | 33.9771% | 1,044 |
| Efficiency ratio | 58.8746% | 5,615 |
| Assets per employee ($millions) | 4.3839% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7139% | 2,729 |
| Loan loss allowance to noncurrent loans | 71.4864% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 2.2925% | 1,888 |
| Noncurrent loans to loans | 2.3976% | 1,962 |
| Net loans and leases to total assets | 72.6956% | 1,451 |
| Net loans and leases to deposits | 85.3835% | 1,638 |
| Net loans and leases to core deposits | 92.9386% | 1,619 |
| Total domestic deposits to total assets | 85.1401% | 3,828 |
| Equity capital to assets | 11.0395% | 2,713 |
| Core capital (leverage) ratio | 11.1000% | 2,263 |
| Tier 1 risk-based capital ratio | 14.5446% | 4,071 |
| Total risk-based capital ratio | 15.7995% | 4,043 |
| Memoranda: | ||
| Average total assets | $479,633,670 | 1,390 |
| Average earning assets | $438,014,330 | 1,394 |
| Average equity | $52,154,000 | 1,376 |
| Average total loans | $349,897,000 | 1,213 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 1,114 |
| Cost of funding earning assets | 0.6257% | 2,874 |
| Net interest margin | 4.2629% | 1,039 |
| Noninterest income to average assets | 0.4839% | 3,891 |
| Noninterest expense to average assets | 2.6003% | 4,403 |
| Loan and lease loss provision to assets | 0.2486% | 1,450 |
| Net operating income to assets | 1.0559% | 2,012 |
| Return on assets (ROA) | 1.0582% | 2,122 |
| Pretax return on assets | 1.5338% | 1,474 |
| Return on Equity (ROE) | 9.8048% | 2,133 |
| Retained earnings to average equity (ytd only) | 9.8048% | 1,151 |
| Net charge-offs to loans | 0.1247% | 2,676 |
| Credit loss provision to net charge-offs | 275.2294% | 860 |
| Earnings coverage of net charge-offs (x) | 19.6972% | 1,208 |
| Efficiency ratio | 59.3756% | 5,671 |
| Assets per employee ($millions) | 4.3625% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 3,254 |
| Loan loss allowance to noncurrent loans | 75.1378% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 2.2006% | 2,118 |
| Noncurrent loans to loans | 2.1768% | 2,417 |
| Net loans and leases to total assets | 72.3937% | 1,294 |
| Net loans and leases to deposits | 85.0293% | 1,465 |
| Net loans and leases to core deposits | 92.3788% | 1,468 |
| Total domestic deposits to total assets | 85.1397% | 3,969 |
| Equity capital to assets | 11.0720% | 2,877 |
| Core capital (leverage) ratio | 10.8969% | 2,353 |
| Tier 1 risk-based capital ratio | 14.2168% | 4,350 |
| Total risk-based capital ratio | 15.4706% | 4,310 |
| Memoranda: | ||
| Average total assets | $482,719,000 | 1,391 |
| Average earning assets | $441,107,500 | 1,401 |
| Average equity | $52,097,000 | 1,401 |
| Average total loans | $349,751,000 | 1,211 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1958% | 1,124 |
| Cost of funding earning assets | 0.7675% | 2,940 |
| Net interest margin | 4.4283% | 1,096 |
| Noninterest income to average assets | 0.4364% | 4,348 |
| Noninterest expense to average assets | 2.6129% | 4,700 |
| Loan and lease loss provision to assets | 0.3666% | 1,788 |
| Net operating income to assets | 1.1220% | 1,868 |
| Return on assets (ROA) | 1.1223% | 2,031 |
| Pretax return on assets | 1.5601% | 1,489 |
| Return on Equity (ROE) | 10.9610% | 1,815 |
| Retained earnings to average equity (ytd only) | 9.6981% | 660 |
| Net charge-offs to loans | 0.1619% | 4,086 |
| Credit loss provision to net charge-offs | 305.5556% | 791 |
| Earnings coverage of net charge-offs (x) | 16.0537% | 1,606 |
| Efficiency ratio | 57.5631% | 5,890 |
| Assets per employee ($millions) | 4.4947% | 2,974 |
| Cash dividends to net income (ytd only)* | 11.5225% | 4,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5830% | 3,392 |
| Loan loss allowance to noncurrent loans | 72.5735% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 2.0795% | 2,360 |
| Noncurrent loans to loans | 2.1812% | 2,485 |
| Net loans and leases to total assets | 70.2155% | 1,807 |
| Net loans and leases to deposits | 81.8672% | 2,014 |
| Net loans and leases to core deposits | 89.0632% | 1,958 |
| Total domestic deposits to total assets | 85.7676% | 3,474 |
| Equity capital to assets | 10.5210% | 3,504 |
| Core capital (leverage) ratio | 10.2247% | 3,103 |
| Tier 1 risk-based capital ratio | 13.8056% | 4,533 |
| Total risk-based capital ratio | 15.0588% | 4,479 |
| Memoranda: | ||
| Average total assets | $450,043,000 | 1,468 |
| Average earning assets | $416,954,600 | 1,446 |
| Average equity | $46,081,400 | 1,512 |
| Average total loans | $333,547,200 | 1,262 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2638% | 1,075 |
| Cost of funding earning assets | 0.7936% | 3,000 |
| Net interest margin | 4.4702% | 1,046 |
| Noninterest income to average assets | 0.4154% | 4,516 |
| Noninterest expense to average assets | 2.6889% | 4,409 |
| Loan and lease loss provision to assets | 0.3636% | 1,791 |
| Net operating income to assets | 1.0206% | 2,405 |
| Return on assets (ROA) | 1.0210% | 2,635 |
| Pretax return on assets | 1.5209% | 1,806 |
| Return on Equity (ROE) | 10.0485% | 2,330 |
| Retained earnings to average equity (ytd only) | 10.0485% | 904 |
| Net charge-offs to loans | 0.2067% | 3,492 |
| Credit loss provision to net charge-offs | 234.8337% | 1,181 |
| Earnings coverage of net charge-offs (x) | 12.1682% | 2,021 |
| Efficiency ratio | 58.8021% | 5,686 |
| Assets per employee ($millions) | 4.3909% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 4,129 |
| Loan loss allowance to noncurrent loans | 78.7673% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 2.2993% | 2,314 |
| Noncurrent loans to loans | 1.8494% | 3,017 |
| Net loans and leases to total assets | 72.9241% | 1,406 |
| Net loans and leases to deposits | 85.2232% | 1,698 |
| Net loans and leases to core deposits | 93.5010% | 1,625 |
| Total domestic deposits to total assets | 85.5684% | 3,476 |
| Equity capital to assets | 10.6092% | 3,722 |
| Core capital (leverage) ratio | 10.3224% | 3,138 |
| Tier 1 risk-based capital ratio | 13.6393% | 4,789 |
| Total risk-based capital ratio | 14.8912% | 4,750 |
| Memoranda: | ||
| Average total assets | $440,073,000 | 1,511 |
| Average earning assets | $409,276,750 | 1,490 |
| Average equity | $44,715,500 | 1,579 |
| Average total loans | $329,550,250 | 1,290 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2398% | 1,162 |
| Cost of funding earning assets | 0.8227% | 3,005 |
| Net interest margin | 4.4170% | 1,155 |
| Noninterest income to average assets | 0.3984% | 4,664 |
| Noninterest expense to average assets | 2.6765% | 4,512 |
| Loan and lease loss provision to assets | 0.3592% | 1,843 |
| Net operating income to assets | 1.0034% | 2,448 |
| Return on assets (ROA) | 1.0040% | 2,662 |
| Pretax return on assets | 1.4939% | 1,866 |
| Return on Equity (ROE) | 10.0443% | 2,330 |
| Retained earnings to average equity (ytd only) | 10.0443% | 961 |
| Net charge-offs to loans | 0.2804% | 2,919 |
| Credit loss provision to net charge-offs | 170.3540% | 1,643 |
| Earnings coverage of net charge-offs (x) | 8.7832% | 2,248 |
| Efficiency ratio | 59.1017% | 5,722 |
| Assets per employee ($millions) | 4.6936% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 4,678 |
| Loan loss allowance to noncurrent loans | 59.1442% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 2.3541% | 2,372 |
| Noncurrent loans to loans | 2.2776% | 2,641 |
| Net loans and leases to total assets | 71.1288% | 1,713 |
| Net loans and leases to deposits | 82.4181% | 2,060 |
| Net loans and leases to core deposits | 90.5939% | 1,920 |
| Total domestic deposits to total assets | 86.3024% | 3,192 |
| Equity capital to assets | 9.9918% | 4,350 |
| Core capital (leverage) ratio | 9.8753% | 3,614 |
| Tier 1 risk-based capital ratio | 13.4233% | 4,890 |
| Total risk-based capital ratio | 14.6743% | 4,840 |
| Memoranda: | ||
| Average total assets | $428,690,000 | 1,554 |
| Average earning assets | $400,856,670 | 1,525 |
| Average equity | $42,850,330 | 1,628 |
| Average total loans | $322,422,330 | 1,321 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2126% | 1,288 |
| Cost of funding earning assets | 0.8308% | 3,217 |
| Net interest margin | 4.3817% | 1,269 |
| Noninterest income to average assets | 0.4211% | 4,508 |
| Noninterest expense to average assets | 2.5476% | 4,999 |
| Loan and lease loss provision to assets | 0.3910% | 1,616 |
| Net operating income to assets | 1.0577% | 2,260 |
| Return on assets (ROA) | 1.0577% | 2,452 |
| Pretax return on assets | 1.5751% | 1,654 |
| Return on Equity (ROE) | 10.5794% | 2,199 |
| Retained earnings to average equity (ytd only) | 10.5794% | 1,146 |
| Net charge-offs to loans | 0.2938% | 2,491 |
| Credit loss provision to net charge-offs | 172.5664% | 1,479 |
| Earnings coverage of net charge-offs (x) | 8.6770% | 1,930 |
| Efficiency ratio | 56.4416% | 6,081 |
| Assets per employee ($millions) | 5.0735% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 4,240 |
| Loan loss allowance to noncurrent loans | 83.3545% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 2.3575% | 2,521 |
| Noncurrent loans to loans | 1.7818% | 3,434 |
| Net loans and leases to total assets | 75.9134% | 808 |
| Net loans and leases to deposits | 88.8349% | 1,072 |
| Net loans and leases to core deposits | 100.1923% | 975 |
| Total domestic deposits to total assets | 85.4545% | 3,816 |
| Equity capital to assets | 10.0822% | 4,022 |
| Core capital (leverage) ratio | 10.0356% | 3,323 |
| Tier 1 risk-based capital ratio | 12.9770% | 5,237 |
| Total risk-based capital ratio | 14.2301% | 5,204 |
| Memoranda: | ||
| Average total assets | $398,970,000 | 1,664 |
| Average earning assets | $372,638,500 | 1,629 |
| Average equity | $39,889,000 | 1,743 |
| Average total loans | $307,662,500 | 1,377 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4784% | 1,212 |
| Cost of funding earning assets | 1.0072% | 3,323 |
| Net interest margin | 4.4712% | 1,206 |
| Noninterest income to average assets | 0.2459% | 5,778 |
| Noninterest expense to average assets | 2.5711% | 5,195 |
| Loan and lease loss provision to assets | 0.3522% | 2,888 |
| Net operating income to assets | 0.9876% | 2,245 |
| Return on assets (ROA) | 0.9889% | 2,384 |
| Pretax return on assets | 1.4817% | 1,529 |
| Return on Equity (ROE) | 10.2590% | 1,969 |
| Retained earnings to average equity (ytd only) | 8.9102% | 831 |
| Net charge-offs to loans | 0.5575% | 2,788 |
| Credit loss provision to net charge-offs | 80.8033% | 4,411 |
| Earnings coverage of net charge-offs (x) | 4.2026% | 3,222 |
| Efficiency ratio | 58.3942% | 5,999 |
| Assets per employee ($millions) | 4.9642% | 2,252 |
| Cash dividends to net income (ytd only)* | 13.1476% | 3,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 4,275 |
| Loan loss allowance to noncurrent loans | 72.3303% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 2.7245% | 2,232 |
| Noncurrent loans to loans | 1.9953% | 3,212 |
| Net loans and leases to total assets | 76.0573% | 946 |
| Net loans and leases to deposits | 89.2008% | 1,247 |
| Net loans and leases to core deposits | 101.9464% | 1,033 |
| Total domestic deposits to total assets | 85.2652% | 3,715 |
| Equity capital to assets | 9.9130% | 4,285 |
| Core capital (leverage) ratio | 9.5943% | 3,881 |
| Tier 1 risk-based capital ratio | 12.7119% | 5,298 |
| Total risk-based capital ratio | 13.9642% | 5,273 |
| Memoranda: | ||
| Average total assets | $388,398,600 | 1,667 |
| Average earning assets | $361,109,000 | 1,639 |
| Average equity | $37,440,200 | 1,791 |
| Average total loans | $303,665,600 | 1,402 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5232% | 1,198 |
| Cost of funding earning assets | 1.0435% | 3,365 |
| Net interest margin | 4.4797% | 1,192 |
| Noninterest income to average assets | 0.3041% | 5,431 |
| Noninterest expense to average assets | 2.6057% | 5,060 |
| Loan and lease loss provision to assets | 0.3987% | 2,463 |
| Net operating income to assets | 0.9753% | 2,409 |
| Return on assets (ROA) | 0.9759% | 2,576 |
| Pretax return on assets | 1.4651% | 1,749 |
| Return on Equity (ROE) | 10.1986% | 2,132 |
| Retained earnings to average equity (ytd only) | 10.1986% | 789 |
| Net charge-offs to loans | 0.6535% | 2,292 |
| Credit loss provision to net charge-offs | 77.7778% | 4,217 |
| Earnings coverage of net charge-offs (x) | 3.6337% | 3,357 |
| Efficiency ratio | 58.3127% | 5,966 |
| Assets per employee ($millions) | 4.8188% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 4,232 |
| Loan loss allowance to noncurrent loans | 78.4585% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 3.1244% | 2,049 |
| Noncurrent loans to loans | 1.8786% | 3,532 |
| Net loans and leases to total assets | 77.5771% | 761 |
| Net loans and leases to deposits | 91.4018% | 1,062 |
| Net loans and leases to core deposits | 105.3980% | 899 |
| Total domestic deposits to total assets | 84.8748% | 3,831 |
| Equity capital to assets | 10.1594% | 4,144 |
| Core capital (leverage) ratio | 9.9853% | 3,466 |
| Tier 1 risk-based capital ratio | 12.8344% | 5,215 |
| Total risk-based capital ratio | 14.0872% | 5,193 |
| Memoranda: | ||
| Average total assets | $386,214,250 | 1,688 |
| Average earning assets | $359,031,500 | 1,651 |
| Average equity | $36,958,250 | 1,827 |
| Average total loans | $302,963,500 | 1,415 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5265% | 1,240 |
| Cost of funding earning assets | 1.0664% | 3,500 |
| Net interest margin | 4.4601% | 1,225 |
| Noninterest income to average assets | 0.3396% | 5,165 |
| Noninterest expense to average assets | 2.6161% | 5,132 |
| Loan and lease loss provision to assets | 0.4530% | 2,151 |
| Net operating income to assets | 0.9385% | 2,486 |
| Return on assets (ROA) | 0.9385% | 2,580 |
| Pretax return on assets | 1.4137% | 1,766 |
| Return on Equity (ROE) | 10.0093% | 2,110 |
| Retained earnings to average equity (ytd only) | 10.0093% | 839 |
| Net charge-offs to loans | 0.6532% | 2,214 |
| Credit loss provision to net charge-offs | 88.5196% | 3,501 |
| Earnings coverage of net charge-offs (x) | 3.6475% | 3,096 |
| Efficiency ratio | 58.3582% | 6,114 |
| Assets per employee ($millions) | 4.8419% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 4,033 |
| Loan loss allowance to noncurrent loans | 62.5540% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 3.3097% | 2,014 |
| Noncurrent loans to loans | 2.4303% | 2,955 |
| Net loans and leases to total assets | 78.4775% | 711 |
| Net loans and leases to deposits | 91.9613% | 1,064 |
| Net loans and leases to core deposits | 107.2094% | 851 |
| Total domestic deposits to total assets | 85.3375% | 3,711 |
| Equity capital to assets | 9.7781% | 4,415 |
| Core capital (leverage) ratio | 9.6938% | 3,665 |
| Tier 1 risk-based capital ratio | 12.3671% | 5,459 |
| Total risk-based capital ratio | 13.6206% | 5,438 |
| Memoranda: | ||
| Average total assets | $388,058,330 | 1,688 |
| Average earning assets | $360,482,000 | 1,658 |
| Average equity | $36,386,000 | 1,839 |
| Average total loans | $304,038,000 | 1,422 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3843% | 1,622 |
| Cost of funding earning assets | 1.0959% | 3,554 |
| Net interest margin | 4.2884% | 1,594 |
| Noninterest income to average assets | 0.3889% | 4,795 |
| Noninterest expense to average assets | 2.6241% | 5,137 |
| Loan and lease loss provision to assets | 0.4606% | 1,914 |
| Net operating income to assets | 0.8689% | 2,707 |
| Return on assets (ROA) | 0.8689% | 2,766 |
| Pretax return on assets | 1.3090% | 2,015 |
| Return on Equity (ROE) | 9.4654% | 2,291 |
| Retained earnings to average equity (ytd only) | 9.4654% | 1,244 |
| Net charge-offs to loans | 0.7285% | 1,758 |
| Credit loss provision to net charge-offs | 81.3743% | 3,131 |
| Earnings coverage of net charge-offs (x) | 3.1266% | 2,844 |
| Efficiency ratio | 59.7251% | 6,023 |
| Assets per employee ($millions) | 5.0519% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 4,064 |
| Loan loss allowance to noncurrent loans | 66.6523% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 3.2530% | 2,111 |
| Noncurrent loans to loans | 2.2920% | 3,206 |
| Net loans and leases to total assets | 76.9718% | 875 |
| Net loans and leases to deposits | 90.1000% | 1,218 |
| Net loans and leases to core deposits | 104.5035% | 1,030 |
| Total domestic deposits to total assets | 85.4293% | 3,822 |
| Equity capital to assets | 9.3320% | 4,673 |
| Core capital (leverage) ratio | 9.3929% | 3,974 |
| Tier 1 risk-based capital ratio | 12.0372% | 5,657 |
| Total risk-based capital ratio | 13.2915% | 5,646 |
| Memoranda: | ||
| Average total assets | $390,834,000 | 1,688 |
| Average earning assets | $364,985,500 | 1,651 |
| Average equity | $35,878,000 | 1,845 |
| Average total loans | $303,649,000 | 1,439 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5640% | 2,036 |
| Cost of funding earning assets | 1.5361% | 2,435 |
| Net interest margin | 4.0278% | 2,894 |
| Noninterest income to average assets | 0.5393% | 3,891 |
| Noninterest expense to average assets | 2.4982% | 5,807 |
| Loan and lease loss provision to assets | 0.5452% | 2,959 |
| Net operating income to assets | 0.8461% | 2,604 |
| Return on assets (ROA) | 0.8516% | 2,721 |
| Pretax return on assets | 1.2845% | 1,970 |
| Return on Equity (ROE) | 9.7088% | 2,033 |
| Retained earnings to average equity (ytd only) | 8.4605% | 850 |
| Net charge-offs to loans | 0.3328% | 4,346 |
| Credit loss provision to net charge-offs | 208.2272% | 1,479 |
| Earnings coverage of net charge-offs (x) | 6.9559% | 2,234 |
| Efficiency ratio | 57.8366% | 6,356 |
| Assets per employee ($millions) | 4.9706% | 2,198 |
| Cash dividends to net income (ytd only)* | 12.8576% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 3,716 |
| Loan loss allowance to noncurrent loans | 53.9300% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 3.1660% | 2,231 |
| Noncurrent loans to loans | 2.9033% | 2,622 |
| Net loans and leases to total assets | 76.0145% | 1,268 |
| Net loans and leases to deposits | 88.7444% | 1,685 |
| Net loans and leases to core deposits | 102.1736% | 1,440 |
| Total domestic deposits to total assets | 85.6556% | 3,524 |
| Equity capital to assets | 9.0291% | 5,098 |
| Core capital (leverage) ratio | 8.9065% | 4,685 |
| Tier 1 risk-based capital ratio | 11.8822% | 5,586 |
| Total risk-based capital ratio | 13.1362% | 5,567 |
| Memoranda: | ||
| Average total assets | $389,953,600 | 1,687 |
| Average earning assets | $365,981,000 | 1,645 |
| Average equity | $34,206,200 | 1,936 |
| Average total loans | $306,750,600 | 1,458 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6056% | 2,038 |
| Cost of funding earning assets | 1.6081% | 2,341 |
| Net interest margin | 3.9975% | 3,113 |
| Noninterest income to average assets | 0.5326% | 3,929 |
| Noninterest expense to average assets | 2.5490% | 5,526 |
| Loan and lease loss provision to assets | 0.5227% | 2,841 |
| Net operating income to assets | 0.8050% | 2,982 |
| Return on assets (ROA) | 0.8124% | 3,092 |
| Pretax return on assets | 1.2272% | 2,401 |
| Return on Equity (ROE) | 9.3308% | 2,376 |
| Retained earnings to average equity (ytd only) | 9.3308% | 951 |
| Net charge-offs to loans | 0.2449% | 4,473 |
| Credit loss provision to net charge-offs | 270.0885% | 1,212 |
| Earnings coverage of net charge-offs (x) | 8.9841% | 2,084 |
| Efficiency ratio | 59.4504% | 6,037 |
| Assets per employee ($millions) | 5.1042% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 3,928 |
| Loan loss allowance to noncurrent loans | 48.2954% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 3.3249% | 2,140 |
| Noncurrent loans to loans | 3.1194% | 2,558 |
| Net loans and leases to total assets | 77.5938% | 1,107 |
| Net loans and leases to deposits | 91.5682% | 1,509 |
| Net loans and leases to core deposits | 107.8725% | 1,171 |
| Total domestic deposits to total assets | 84.7389% | 3,757 |
| Equity capital to assets | 9.0730% | 5,483 |
| Core capital (leverage) ratio | 9.0584% | 4,591 |
| Tier 1 risk-based capital ratio | 11.7053% | 5,727 |
| Total risk-based capital ratio | 12.9588% | 5,696 |
| Memoranda: | ||
| Average total assets | $389,273,250 | 1,720 |
| Average earning assets | $365,650,750 | 1,672 |
| Average equity | $33,894,000 | 1,973 |
| Average total loans | $307,628,750 | 1,477 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6261% | 2,037 |
| Cost of funding earning assets | 1.6471% | 2,403 |
| Net interest margin | 3.9790% | 3,123 |
| Noninterest income to average assets | 0.4860% | 4,227 |
| Noninterest expense to average assets | 2.5382% | 5,579 |
| Loan and lease loss provision to assets | 0.5137% | 2,746 |
| Net operating income to assets | 0.7784% | 3,075 |
| Return on assets (ROA) | 0.7893% | 3,164 |
| Pretax return on assets | 1.1921% | 2,443 |
| Return on Equity (ROE) | 9.1931% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.1931% | 1,051 |
| Net charge-offs to loans | 0.2608% | 4,042 |
| Credit loss provision to net charge-offs | 249.0050% | 1,548 |
| Earnings coverage of net charge-offs (x) | 8.1891% | 2,177 |
| Efficiency ratio | 60.0388% | 6,042 |
| Assets per employee ($millions) | 4.9458% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 4,583 |
| Loan loss allowance to noncurrent loans | 46.6924% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 2.7493% | 2,631 |
| Noncurrent loans to loans | 2.9330% | 2,728 |
| Net loans and leases to total assets | 78.1906% | 1,081 |
| Net loans and leases to deposits | 91.7345% | 1,574 |
| Net loans and leases to core deposits | 108.0978% | 1,291 |
| Total domestic deposits to total assets | 85.2358% | 3,497 |
| Equity capital to assets | 8.8009% | 5,752 |
| Core capital (leverage) ratio | 8.8180% | 4,887 |
| Tier 1 risk-based capital ratio | 11.3693% | 5,890 |
| Total risk-based capital ratio | 12.6212% | 5,869 |
| Memoranda: | ||
| Average total assets | $389,724,330 | 1,729 |
| Average earning assets | $366,471,000 | 1,679 |
| Average equity | $33,460,000 | 1,989 |
| Average total loans | $308,303,000 | 1,485 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5762% | 2,258 |
| Cost of funding earning assets | 1.6822% | 2,474 |
| Net interest margin | 3.8940% | 3,358 |
| Noninterest income to average assets | 0.4244% | 4,704 |
| Noninterest expense to average assets | 2.5281% | 5,623 |
| Loan and lease loss provision to assets | 0.4933% | 2,527 |
| Net operating income to assets | 0.7008% | 3,441 |
| Return on assets (ROA) | 0.7225% | 3,457 |
| Pretax return on assets | 1.0924% | 2,761 |
| Return on Equity (ROE) | 8.5221% | 2,657 |
| Retained earnings to average equity (ytd only) | 8.5221% | 1,526 |
| Net charge-offs to loans | 0.3160% | 3,155 |
| Credit loss provision to net charge-offs | 197.5309% | 1,877 |
| Earnings coverage of net charge-offs (x) | 6.2181% | 2,263 |
| Efficiency ratio | 61.9491% | 5,841 |
| Assets per employee ($millions) | 4.8419% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 5,118 |
| Loan loss allowance to noncurrent loans | 46.7076% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 2.6332% | 2,765 |
| Noncurrent loans to loans | 2.7095% | 2,956 |
| Net loans and leases to total assets | 77.1838% | 1,296 |
| Net loans and leases to deposits | 90.3495% | 1,852 |
| Net loans and leases to core deposits | 109.1642% | 1,339 |
| Total domestic deposits to total assets | 85.4280% | 3,450 |
| Equity capital to assets | 8.5451% | 5,945 |
| Core capital (leverage) ratio | 8.6434% | 5,128 |
| Tier 1 risk-based capital ratio | 11.1222% | 6,036 |
| Total risk-based capital ratio | 12.3728% | 6,006 |
| Memoranda: | ||
| Average total assets | $389,226,000 | 1,771 |
| Average earning assets | $365,482,000 | 1,722 |
| Average equity | $32,996,500 | 2,034 |
| Average total loans | $307,580,000 | 1,532 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2194% | 1,192 |
| Cost of funding earning assets | 2.1962% | 2,055 |
| Net interest margin | 4.0232% | 2,771 |
| Noninterest income to average assets | 0.4927% | 4,472 |
| Noninterest expense to average assets | 2.4878% | 6,181 |
| Loan and lease loss provision to assets | 0.5505% | 3,618 |
| Net operating income to assets | 0.8174% | 2,466 |
| Return on assets (ROA) | 0.8203% | 2,541 |
| Pretax return on assets | 1.2347% | 1,858 |
| Return on Equity (ROE) | 9.5118% | 1,852 |
| Retained earnings to average equity (ytd only) | 8.1625% | 659 |
| Net charge-offs to loans | 0.5129% | 3,728 |
| Credit loss provision to net charge-offs | 129.0735% | 3,985 |
| Earnings coverage of net charge-offs (x) | 4.1757% | 3,030 |
| Efficiency ratio | 58.2801% | 6,723 |
| Assets per employee ($millions) | 4.9521% | 2,277 |
| Cash dividends to net income (ytd only)* | 14.1860% | 3,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 5,469 |
| Loan loss allowance to noncurrent loans | 41.9266% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 2.7813% | 2,513 |
| Noncurrent loans to loans | 2.8159% | 2,747 |
| Net loans and leases to total assets | 78.9438% | 1,195 |
| Net loans and leases to deposits | 92.1244% | 1,878 |
| Net loans and leases to core deposits | 120.9329% | 1,885 |
| Total domestic deposits to total assets | 85.6926% | 3,169 |
| Equity capital to assets | 8.4088% | 6,045 |
| Core capital (leverage) ratio | 8.4919% | 5,289 |
| Tier 1 risk-based capital ratio | 10.6706% | 6,235 |
| Total risk-based capital ratio | 11.8609% | 6,266 |
| Memoranda: | ||
| Average total assets | $366,957,400 | 1,852 |
| Average earning assets | $344,406,400 | 1,813 |
| Average equity | $31,644,800 | 2,115 |
| Average total loans | $305,099,800 | 1,574 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3319% | 1,067 |
| Cost of funding earning assets | 2.3076% | 1,953 |
| Net interest margin | 4.0243% | 2,707 |
| Noninterest income to average assets | 0.4970% | 4,506 |
| Noninterest expense to average assets | 2.5261% | 5,991 |
| Loan and lease loss provision to assets | 0.3424% | 4,276 |
| Net operating income to assets | 0.9320% | 2,300 |
| Return on assets (ROA) | 0.9359% | 2,349 |
| Pretax return on assets | 1.4149% | 1,653 |
| Return on Equity (ROE) | 10.7814% | 1,682 |
| Retained earnings to average equity (ytd only) | 10.7814% | 501 |
| Net charge-offs to loans | 0.4930% | 3,256 |
| Credit loss provision to net charge-offs | 82.6667% | 5,689 |
| Earnings coverage of net charge-offs (x) | 4.2285% | 3,205 |
| Efficiency ratio | 59.0549% | 6,564 |
| Assets per employee ($millions) | 5.0919% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 6,520 |
| Loan loss allowance to noncurrent loans | 52.1974% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 1.9001% | 3,506 |
| Noncurrent loans to loans | 1.8270% | 3,877 |
| Net loans and leases to total assets | 83.6263% | 586 |
| Net loans and leases to deposits | 98.2732% | 1,295 |
| Net loans and leases to core deposits | 126.8575% | 1,664 |
| Total domestic deposits to total assets | 85.0957% | 3,177 |
| Equity capital to assets | 8.8109% | 5,772 |
| Core capital (leverage) ratio | 8.8678% | 4,868 |
| Tier 1 risk-based capital ratio | 10.6793% | 6,266 |
| Total risk-based capital ratio | 11.6593% | 6,505 |
| Memoranda: | ||
| Average total assets | $362,131,250 | 1,894 |
| Average earning assets | $340,194,750 | 1,851 |
| Average equity | $31,436,000 | 2,148 |
| Average total loans | $304,231,500 | 1,592 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4203% | 965 |
| Cost of funding earning assets | 2.4020% | 1,962 |
| Net interest margin | 4.0183% | 2,625 |
| Noninterest income to average assets | 0.4998% | 4,450 |
| Noninterest expense to average assets | 2.5063% | 6,102 |
| Loan and lease loss provision to assets | 0.3009% | 4,157 |
| Net operating income to assets | 0.9631% | 2,232 |
| Return on assets (ROA) | 0.9690% | 2,317 |
| Pretax return on assets | 1.4654% | 1,542 |
| Return on Equity (ROE) | 11.2202% | 1,640 |
| Retained earnings to average equity (ytd only) | 11.2202% | 534 |
| Net charge-offs to loans | 0.3388% | 3,479 |
| Credit loss provision to net charge-offs | 105.8824% | 4,344 |
| Earnings coverage of net charge-offs (x) | 6.1843% | 2,669 |
| Efficiency ratio | 58.7820% | 6,724 |
| Assets per employee ($millions) | 5.0411% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 6,105 |
| Loan loss allowance to noncurrent loans | 89.6878% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.3766% | 4,206 |
| Noncurrent loans to loans | 1.1329% | 4,954 |
| Net loans and leases to total assets | 85.1901% | 477 |
| Net loans and leases to deposits | 100.8356% | 1,193 |
| Net loans and leases to core deposits | 128.0090% | 1,710 |
| Total domestic deposits to total assets | 84.4842% | 3,510 |
| Equity capital to assets | 8.6250% | 5,859 |
| Core capital (leverage) ratio | 8.8717% | 4,829 |
| Tier 1 risk-based capital ratio | 10.2894% | 6,607 |
| Total risk-based capital ratio | 11.3303% | 6,769 |
| Memoranda: | ||
| Average total assets | $358,937,670 | 1,933 |
| Average earning assets | $336,213,330 | 1,886 |
| Average equity | $30,997,670 | 2,183 |
| Average total loans | $301,028,000 | 1,645 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3353% | 1,203 |
| Cost of funding earning assets | 2.4986% | 1,921 |
| Net interest margin | 3.8367% | 3,309 |
| Noninterest income to average assets | 0.4481% | 4,791 |
| Noninterest expense to average assets | 2.4514% | 6,018 |
| Loan and lease loss provision to assets | 0.3047% | 3,512 |
| Net operating income to assets | 0.8458% | 2,925 |
| Return on assets (ROA) | 0.8555% | 3,044 |
| Pretax return on assets | 1.2923% | 2,310 |
| Return on Equity (ROE) | 9.8999% | 2,361 |
| Retained earnings to average equity (ytd only) | 9.8999% | 1,221 |
| Net charge-offs to loans | 0.3806% | 2,566 |
| Credit loss provision to net charge-offs | 96.7742% | 3,865 |
| Earnings coverage of net charge-offs (x) | 5.0251% | 2,767 |
| Efficiency ratio | 60.7722% | 6,284 |
| Assets per employee ($millions) | 4.8709% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 5,709 |
| Loan loss allowance to noncurrent loans | 140.6015% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 1.0234% | 4,653 |
| Noncurrent loans to loans | 0.7585% | 5,528 |
| Net loans and leases to total assets | 82.9407% | 855 |
| Net loans and leases to deposits | 97.8257% | 1,690 |
| Net loans and leases to core deposits | 120.4685% | 2,379 |
| Total domestic deposits to total assets | 84.7842% | 3,308 |
| Equity capital to assets | 8.6951% | 5,771 |
| Core capital (leverage) ratio | 8.7644% | 5,038 |
| Tier 1 risk-based capital ratio | 10.4577% | 6,436 |
| Total risk-based capital ratio | 11.5359% | 6,532 |
| Memoranda: | ||
| Average total assets | $354,407,500 | 1,964 |
| Average earning assets | $331,226,000 | 1,911 |
| Average equity | $30,626,500 | 2,215 |
| Average total loans | $293,184,000 | 1,697 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9647% | 1,221 |
| Cost of funding earning assets | 2.9755% | 1,960 |
| Net interest margin | 3.9892% | 3,169 |
| Noninterest income to average assets | 0.5416% | 4,305 |
| Noninterest expense to average assets | 2.3340% | 6,609 |
| Loan and lease loss provision to assets | 0.3111% | 3,888 |
| Net operating income to assets | 1.0719% | 2,248 |
| Return on assets (ROA) | 1.0742% | 2,153 |
| Pretax return on assets | 1.6248% | 1,326 |
| Return on Equity (ROE) | 12.4556% | 1,457 |
| Retained earnings to average equity (ytd only) | 10.5776% | 380 |
| Net charge-offs to loans | 0.2954% | 3,423 |
| Credit loss provision to net charge-offs | 128.5363% | 4,148 |
| Earnings coverage of net charge-offs (x) | 7.9828% | 2,973 |
| Efficiency ratio | 54.7072% | 7,184 |
| Assets per employee ($millions) | 4.8389% | 2,131 |
| Cash dividends to net income (ytd only)* | 15.0776% | 4,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 5,229 |
| Loan loss allowance to noncurrent loans | 125.4624% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 1.1344% | 4,006 |
| Noncurrent loans to loans | 0.8815% | 4,855 |
| Net loans and leases to total assets | 80.7056% | 1,503 |
| Net loans and leases to deposits | 95.3209% | 2,558 |
| Net loans and leases to core deposits | 116.1604% | 3,105 |
| Total domestic deposits to total assets | 84.6672% | 2,997 |
| Equity capital to assets | 8.5877% | 5,954 |
| Core capital (leverage) ratio | 8.6139% | 5,352 |
| Tier 1 risk-based capital ratio | 10.4051% | 6,308 |
| Total risk-based capital ratio | 11.5081% | 6,330 |
| Memoranda: | ||
| Average total assets | $335,863,400 | 1,987 |
| Average earning assets | $313,593,800 | 1,943 |
| Average equity | $28,967,000 | 2,337 |
| Average total loans | $275,184,200 | 1,743 |