Home > Hickory Point Bank and Trust > Performance and Condition Ratios
Hickory Point Bank and Trust, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9831% | 3,131 |
| Cost of funding earning assets | 1.9160% | 2,423 |
| Net interest margin | 3.0671% | 3,025 |
| Noninterest income to average assets | 1.1400% | 487 |
| Noninterest expense to average assets | 2.8915% | 1,329 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.7917% | 2,702 |
| Return on assets (ROA) | 0.7917% | 2,722 |
| Pretax return on assets | 1.0432% | 2,405 |
| Return on Equity (ROE) | 8.8600% | 2,505 |
| Retained earnings to average equity (ytd only) | 4.7571% | 2,335 |
| Net charge-offs to loans | 0.1073% | 1,127 |
| Credit loss provision to net charge-offs | 97.6563% | 1,937 |
| Earnings coverage of net charge-offs (x) | 17.1074% | 1,949 |
| Efficiency ratio | 72.3254% | 1,739 |
| Assets per employee ($millions) | 5.9276% | 2,930 |
| Cash dividends to net income (ytd only)* | 46.2827% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 2,430 |
| Loan loss allowance to noncurrent loans | 413.0501% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 1,730 |
| Noncurrent loans to loans | 0.2779% | 2,425 |
| Net loans and leases to total assets | 62.2700% | 2,737 |
| Net loans and leases to deposits | 71.2314% | 2,858 |
| Net loans and leases to core deposits | 76.6986% | 2,998 |
| Total domestic deposits to total assets | 87.4200% | 1,740 |
| Equity capital to assets | 9.6413% | 2,345 |
| Core capital (leverage) ratio | 9.5171% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8996% | 1,543 |
| Memoranda: | ||
| Average total assets | $791,665,600 | 1,233 |
| Average earning assets | $738,092,200 | 1,225 |
| Average equity | $70,778,600 | 1,308 |
| Average total loans | $477,245,400 | 1,345 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9200% | 3,163 |
| Cost of funding earning assets | 1.9564% | 2,324 |
| Net interest margin | 2.9636% | 3,174 |
| Noninterest income to average assets | 1.1200% | 499 |
| Noninterest expense to average assets | 2.8490% | 1,372 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.7578% | 2,814 |
| Return on assets (ROA) | 0.7578% | 2,827 |
| Pretax return on assets | 0.9996% | 2,551 |
| Return on Equity (ROE) | 8.6400% | 2,571 |
| Retained earnings to average equity (ytd only) | 4.8400% | 2,530 |
| Net charge-offs to loans | -0.0064% | 3,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 73.3928% | 1,658 |
| Assets per employee ($millions) | 6.0760% | 2,806 |
| Cash dividends to net income (ytd only)* | 43.9517% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 2,140 |
| Loan loss allowance to noncurrent loans | 170.7456% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 1,638 |
| Noncurrent loans to loans | 0.7111% | 1,380 |
| Net loans and leases to total assets | 57.1800% | 3,165 |
| Net loans and leases to deposits | 64.7042% | 3,318 |
| Net loans and leases to core deposits | 69.0267% | 3,438 |
| Total domestic deposits to total assets | 88.3700% | 1,136 |
| Equity capital to assets | 8.8976% | 3,103 |
| Core capital (leverage) ratio | 9.1818% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7750% | 1,605 |
| Memoranda: | ||
| Average total assets | $801,380,750 | 1,211 |
| Average earning assets | $747,399,750 | 1,208 |
| Average equity | $70,328,250 | 1,308 |
| Average total loans | $477,999,500 | 1,339 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 3,207 |
| Cost of funding earning assets | 1.9361% | 2,275 |
| Net interest margin | 2.9052% | 3,242 |
| Noninterest income to average assets | 1.0800% | 524 |
| Noninterest expense to average assets | 2.8243% | 1,403 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.6895% | 2,958 |
| Return on assets (ROA) | 0.6895% | 2,985 |
| Pretax return on assets | 0.9065% | 2,752 |
| Return on Equity (ROE) | 7.8900% | 2,769 |
| Retained earnings to average equity (ytd only) | 4.2777% | 2,611 |
| Net charge-offs to loans | -0.0046% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 74.7005% | 1,580 |
| Assets per employee ($millions) | 6.1953% | 2,633 |
| Cash dividends to net income (ytd only)* | 45.8076% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 2,336 |
| Loan loss allowance to noncurrent loans | 170.4361% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 1,585 |
| Noncurrent loans to loans | 0.6938% | 1,339 |
| Net loans and leases to total assets | 57.4800% | 3,154 |
| Net loans and leases to deposits | 64.8114% | 3,314 |
| Net loans and leases to core deposits | 68.9587% | 3,418 |
| Total domestic deposits to total assets | 88.6900% | 1,105 |
| Equity capital to assets | 8.5719% | 3,050 |
| Core capital (leverage) ratio | 9.1678% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1653% | 1,818 |
| Memoranda: | ||
| Average total assets | $799,139,333 | 1,212 |
| Average earning assets | $743,350,333 | 1,212 |
| Average equity | $69,803,667 | 1,312 |
| Average total loans | $481,418,333 | 1,332 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8669% | 3,040 |
| Cost of funding earning assets | 1.9626% | 2,086 |
| Net interest margin | 2.9043% | 3,187 |
| Noninterest income to average assets | 1.0400% | 522 |
| Noninterest expense to average assets | 2.8717% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6493% | 3,015 |
| Return on assets (ROA) | 0.6493% | 3,040 |
| Pretax return on assets | 0.8532% | 2,797 |
| Return on Equity (ROE) | 7.3600% | 2,857 |
| Retained earnings to average equity (ytd only) | 3.7642% | 2,774 |
| Net charge-offs to loans | -0.0033% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 77.0953% | 1,442 |
| Assets per employee ($millions) | 5.7541% | 3,036 |
| Cash dividends to net income (ytd only)* | 48.8645% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 2,738 |
| Loan loss allowance to noncurrent loans | 164.1612% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 1,449 |
| Noncurrent loans to loans | 0.6788% | 1,300 |
| Net loans and leases to total assets | 62.3800% | 2,626 |
| Net loans and leases to deposits | 70.9016% | 2,820 |
| Net loans and leases to core deposits | 75.8904% | 2,988 |
| Total domestic deposits to total assets | 87.9800% | 1,426 |
| Equity capital to assets | 8.9847% | 2,687 |
| Core capital (leverage) ratio | 9.0548% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4495% | 2,093 |
| Memoranda: | ||
| Average total assets | $786,723,500 | 1,229 |
| Average earning assets | $727,604,000 | 1,236 |
| Average equity | $69,390,500 | 1,313 |
| Average total loans | $482,492,000 | 1,325 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3524% | 3,352 |
| Cost of funding earning assets | 1.2971% | 2,523 |
| Net interest margin | 3.0553% | 3,172 |
| Noninterest income to average assets | 1.1800% | 507 |
| Noninterest expense to average assets | 2.9507% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8024% | 2,867 |
| Return on assets (ROA) | 0.8024% | 2,844 |
| Pretax return on assets | 1.0562% | 2,518 |
| Return on Equity (ROE) | 8.8900% | 2,788 |
| Retained earnings to average equity (ytd only) | 4.9640% | 2,614 |
| Net charge-offs to loans | -0.0002% | 3,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.6404% | 1,491 |
| Assets per employee ($millions) | 5.5322% | 3,220 |
| Cash dividends to net income (ytd only)* | 44.1783% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 2,556 |
| Loan loss allowance to noncurrent loans | 1,388.2952% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,269 |
| Noncurrent loans to loans | 0.0827% | 3,132 |
| Net loans and leases to total assets | 58.9400% | 2,953 |
| Net loans and leases to deposits | 66.9795% | 3,108 |
| Net loans and leases to core deposits | 71.3336% | 3,229 |
| Total domestic deposits to total assets | 87.9900% | 1,363 |
| Equity capital to assets | 8.6597% | 2,926 |
| Core capital (leverage) ratio | 8.9603% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7863% | 1,941 |
| Memoranda: | ||
| Average total assets | $743,891,800 | 1,252 |
| Average earning assets | $688,445,200 | 1,258 |
| Average equity | $67,123,000 | 1,290 |
| Average total loans | $451,406,200 | 1,341 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1974% | 3,470 |
| Cost of funding earning assets | 1.0587% | 2,867 |
| Net interest margin | 3.1387% | 3,056 |
| Noninterest income to average assets | 1.2300% | 483 |
| Noninterest expense to average assets | 3.0014% | 1,069 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8614% | 2,825 |
| Return on assets (ROA) | 0.8614% | 2,806 |
| Pretax return on assets | 1.1351% | 2,471 |
| Return on Equity (ROE) | 9.4400% | 2,815 |
| Retained earnings to average equity (ytd only) | 5.1046% | 2,899 |
| Net charge-offs to loans | 0.0012% | 2,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,555.2500% | 91 |
| Efficiency ratio | 72.5584% | 1,508 |
| Assets per employee ($millions) | 5.2624% | 3,379 |
| Cash dividends to net income (ytd only)* | 45.9437% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 2,519 |
| Loan loss allowance to noncurrent loans | 20,965.3846% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 3,843 |
| Noncurrent loans to loans | 0.0056% | 3,773 |
| Net loans and leases to total assets | 61.2200% | 2,728 |
| Net loans and leases to deposits | 71.2701% | 2,757 |
| Net loans and leases to core deposits | 75.6516% | 2,889 |
| Total domestic deposits to total assets | 85.8900% | 2,235 |
| Equity capital to assets | 8.9958% | 2,414 |
| Core capital (leverage) ratio | 9.4335% | 3,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1107% | 1,852 |
| Memoranda: | ||
| Average total assets | $730,704,500 | 1,264 |
| Average earning assets | $675,886,250 | 1,264 |
| Average equity | $66,657,000 | 1,288 |
| Average total loans | $445,514,750 | 1,353 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 3,531 |
| Cost of funding earning assets | 0.7697% | 3,298 |
| Net interest margin | 3.3073% | 2,733 |
| Noninterest income to average assets | 1.3400% | 372 |
| Noninterest expense to average assets | 3.0123% | 1,027 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0464% | 2,267 |
| Return on assets (ROA) | 1.0464% | 2,267 |
| Pretax return on assets | 1.3914% | 1,835 |
| Return on Equity (ROE) | 11.4200% | 2,319 |
| Retained earnings to average equity (ytd only) | 7.5674% | 2,108 |
| Net charge-offs to loans | 0.0018% | 2,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,258.2500% | 118 |
| Efficiency ratio | 68.4035% | 1,934 |
| Assets per employee ($millions) | 5.1123% | 3,493 |
| Cash dividends to net income (ytd only)* | 33.7120% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,389 |
| Loan loss allowance to noncurrent loans | 41,930.7692% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,888 |
| Noncurrent loans to loans | 0.0029% | 3,811 |
| Net loans and leases to total assets | 62.6300% | 2,518 |
| Net loans and leases to deposits | 72.6547% | 2,599 |
| Net loans and leases to core deposits | 76.1944% | 2,749 |
| Total domestic deposits to total assets | 86.2000% | 2,170 |
| Equity capital to assets | 9.5383% | 2,137 |
| Core capital (leverage) ratio | 9.5891% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3533% | 1,773 |
| Memoranda: | ||
| Average total assets | $723,430,333 | 1,265 |
| Average earning assets | $671,129,333 | 1,264 |
| Average equity | $66,310,667 | 1,288 |
| Average total loans | $438,648,000 | 1,350 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 3,646 |
| Cost of funding earning assets | 0.5367% | 3,571 |
| Net interest margin | 3.3779% | 2,692 |
| Noninterest income to average assets | 1.2600% | 415 |
| Noninterest expense to average assets | 2.9349% | 1,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0950% | 2,249 |
| Return on assets (ROA) | 1.0950% | 2,211 |
| Pretax return on assets | 1.4573% | 1,755 |
| Return on Equity (ROE) | 12.1900% | 2,169 |
| Retained earnings to average equity (ytd only) | 6.5390% | 2,630 |
| Net charge-offs to loans | 0.0028% | 1,922 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 886.3333% | 120 |
| Efficiency ratio | 66.8206% | 2,112 |
| Assets per employee ($millions) | 5.1876% | 3,513 |
| Cash dividends to net income (ytd only)* | 46.3463% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 2,259 |
| Loan loss allowance to noncurrent loans | 307.5014% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 1,900 |
| Noncurrent loans to loans | 0.4084% | 1,709 |
| Net loans and leases to total assets | 59.0300% | 2,767 |
| Net loans and leases to deposits | 65.6058% | 2,966 |
| Net loans and leases to core deposits | 67.4052% | 3,142 |
| Total domestic deposits to total assets | 89.9800% | 1,162 |
| Equity capital to assets | 9.1265% | 2,425 |
| Core capital (leverage) ratio | 9.1652% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4036% | 1,827 |
| Memoranda: | ||
| Average total assets | $729,842,000 | 1,273 |
| Average earning assets | $676,758,500 | 1,271 |
| Average equity | $65,576,000 | 1,308 |
| Average total loans | $432,724,500 | 1,375 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1137% | 3,969 |
| Cost of funding earning assets | 0.2276% | 3,531 |
| Net interest margin | 2.8860% | 3,712 |
| Noninterest income to average assets | 1.2700% | 417 |
| Noninterest expense to average assets | 2.8260% | 1,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8515% | 3,142 |
| Return on assets (ROA) | 0.8515% | 3,078 |
| Pretax return on assets | 1.1167% | 2,714 |
| Return on Equity (ROE) | 9.5700% | 2,949 |
| Retained earnings to average equity (ytd only) | -0.5321% | 4,401 |
| Net charge-offs to loans | -0.0085% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.6778% | 1,478 |
| Assets per employee ($millions) | 5.0932% | 3,602 |
| Cash dividends to net income (ytd only)* | 105.5618% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 2,073 |
| Loan loss allowance to noncurrent loans | 230.2659% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 1,382 |
| Noncurrent loans to loans | 0.5493% | 1,347 |
| Net loans and leases to total assets | 58.0600% | 2,818 |
| Net loans and leases to deposits | 64.3542% | 3,011 |
| Net loans and leases to core deposits | 65.9058% | 3,137 |
| Total domestic deposits to total assets | 90.2200% | 1,268 |
| Equity capital to assets | 8.8448% | 2,460 |
| Core capital (leverage) ratio | 9.0310% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8947% | 2,016 |
| Memoranda: | ||
| Average total assets | $732,725,400 | 1,266 |
| Average earning assets | $677,368,200 | 1,267 |
| Average equity | $65,213,200 | 1,319 |
| Average total loans | $400,554,800 | 1,388 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9428% | 3,998 |
| Cost of funding earning assets | 0.1564% | 3,769 |
| Net interest margin | 2.7865% | 3,765 |
| Noninterest income to average assets | 1.2400% | 480 |
| Noninterest expense to average assets | 2.7743% | 1,300 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7987% | 3,273 |
| Return on assets (ROA) | 0.7987% | 3,225 |
| Pretax return on assets | 1.0453% | 2,885 |
| Return on Equity (ROE) | 8.9600% | 3,043 |
| Retained earnings to average equity (ytd only) | -1.2945% | 4,445 |
| Net charge-offs to loans | -0.0092% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.6341% | 1,429 |
| Assets per employee ($millions) | 4.7919% | 3,847 |
| Cash dividends to net income (ytd only)* | 114.4485% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 1,851 |
| Loan loss allowance to noncurrent loans | 183.6198% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 1,307 |
| Noncurrent loans to loans | 0.7288% | 1,118 |
| Net loans and leases to total assets | 56.2600% | 2,879 |
| Net loans and leases to deposits | 62.5186% | 2,984 |
| Net loans and leases to core deposits | 63.8822% | 3,128 |
| Total domestic deposits to total assets | 89.9800% | 1,673 |
| Equity capital to assets | 9.0303% | 2,194 |
| Core capital (leverage) ratio | 8.9076% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3604% | 1,919 |
| Memoranda: | ||
| Average total assets | $732,551,000 | 1,280 |
| Average earning assets | $677,059,250 | 1,274 |
| Average equity | $65,299,000 | 1,327 |
| Average total loans | $392,876,000 | 1,405 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7456% | 4,073 |
| Cost of funding earning assets | 0.1458% | 3,628 |
| Net interest margin | 2.5998% | 3,913 |
| Noninterest income to average assets | 1.3136% | 416 |
| Noninterest expense to average assets | 2.7184% | 1,345 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7643% | 3,090 |
| Return on assets (ROA) | 0.7643% | 3,053 |
| Pretax return on assets | 0.9998% | 2,736 |
| Return on Equity (ROE) | 8.6102% | 2,826 |
| Retained earnings to average equity (ytd only) | -1.8178% | 4,365 |
| Net charge-offs to loans | -0.0082% | 3,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1105% | 1,607 |
| Assets per employee ($millions) | 5.0586% | 3,626 |
| Cash dividends to net income (ytd only)* | 121.1123% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 1,847 |
| Loan loss allowance to noncurrent loans | 184.6807% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 1,412 |
| Noncurrent loans to loans | 0.7460% | 1,151 |
| Net loans and leases to total assets | 52.6997% | 3,092 |
| Net loans and leases to deposits | 58.2049% | 3,209 |
| Net loans and leases to core deposits | 59.4373% | 3,310 |
| Total domestic deposits to total assets | 90.5416% | 1,443 |
| Equity capital to assets | 8.7844% | 2,546 |
| Core capital (leverage) ratio | 8.7308% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8787% | 1,743 |
| Memoranda: | ||
| Average total assets | $738,736,000 | 1,270 |
| Average earning assets | $683,282,000 | 1,275 |
| Average equity | $65,573,333 | 1,354 |
| Average total loans | $388,132,000 | 1,415 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4086% | 4,371 |
| Cost of funding earning assets | 0.1466% | 3,542 |
| Net interest margin | 2.2619% | 4,284 |
| Noninterest income to average assets | 1.5625% | 336 |
| Noninterest expense to average assets | 2.7947% | 1,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6610% | 3,193 |
| Return on assets (ROA) | 0.6610% | 3,173 |
| Pretax return on assets | 0.8641% | 2,899 |
| Return on Equity (ROE) | 7.4089% | 2,906 |
| Retained earnings to average equity (ytd only) | -5.9283% | 4,451 |
| Net charge-offs to loans | -0.0094% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3835% | 1,479 |
| Assets per employee ($millions) | 5.3744% | 3,422 |
| Cash dividends to net income (ytd only)* | 180.0164% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 1,990 |
| Loan loss allowance to noncurrent loans | 191.9406% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 1,627 |
| Noncurrent loans to loans | 0.7189% | 1,321 |
| Net loans and leases to total assets | 50.8543% | 3,086 |
| Net loans and leases to deposits | 56.4032% | 3,227 |
| Net loans and leases to core deposits | 57.5728% | 3,340 |
| Total domestic deposits to total assets | 90.1621% | 1,470 |
| Equity capital to assets | 8.5151% | 3,149 |
| Core capital (leverage) ratio | 8.7572% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0525% | 1,779 |
| Memoranda: | ||
| Average total assets | $738,825,500 | 1,272 |
| Average earning assets | $684,720,000 | 1,273 |
| Average equity | $65,921,000 | 1,392 |
| Average total loans | $384,871,000 | 1,418 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7290% | 4,286 |
| Cost of funding earning assets | 0.2256% | 3,189 |
| Net interest margin | 2.5034% | 4,184 |
| Noninterest income to average assets | 1.1315% | 823 |
| Noninterest expense to average assets | 2.5071% | 2,159 |
| Loan and lease loss provision to assets | -0.1333% | 4,602 |
| Net operating income to assets | 0.7963% | 3,345 |
| Return on assets (ROA) | 0.7949% | 3,417 |
| Pretax return on assets | 1.0381% | 3,160 |
| Return on Equity (ROE) | 8.3968% | 3,105 |
| Retained earnings to average equity (ytd only) | -6.0768% | 4,725 |
| Net charge-offs to loans | -0.0080% | 3,673 |
| Credit loss provision to net charge-offs | 3,030.3030% | 223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4443% | 1,370 |
| Assets per employee ($millions) | 4.9275% | 3,800 |
| Cash dividends to net income (ytd only)* | 172.3704% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 1,765 |
| Loan loss allowance to noncurrent loans | 213.5934% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 1,805 |
| Noncurrent loans to loans | 0.6746% | 1,481 |
| Net loans and leases to total assets | 51.8959% | 3,080 |
| Net loans and leases to deposits | 58.3519% | 3,223 |
| Net loans and leases to core deposits | 59.7048% | 3,332 |
| Total domestic deposits to total assets | 88.9362% | 1,542 |
| Equity capital to assets | 9.3574% | 3,264 |
| Core capital (leverage) ratio | 8.9971% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6053% | 1,651 |
| Memoranda: | ||
| Average total assets | $749,913,600 | 1,222 |
| Average earning assets | $683,628,800 | 1,242 |
| Average equity | $70,991,000 | 1,338 |
| Average total loans | $412,259,000 | 1,344 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7533% | 4,355 |
| Cost of funding earning assets | 0.2389% | 3,223 |
| Net interest margin | 2.5144% | 4,251 |
| Noninterest income to average assets | 1.1176% | 912 |
| Noninterest expense to average assets | 2.5300% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6619% | 3,867 |
| Return on assets (ROA) | 0.6612% | 3,921 |
| Pretax return on assets | 0.8703% | 3,757 |
| Return on Equity (ROE) | 6.9660% | 3,674 |
| Retained earnings to average equity (ytd only) | 1.4217% | 4,322 |
| Net charge-offs to loans | -0.0082% | 3,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3852% | 1,182 |
| Assets per employee ($millions) | 5.3437% | 3,359 |
| Cash dividends to net income (ytd only)* | 79.5908% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,437 |
| Loan loss allowance to noncurrent loans | 247.3583% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 2,085 |
| Noncurrent loans to loans | 0.6305% | 1,732 |
| Net loans and leases to total assets | 52.9797% | 3,084 |
| Net loans and leases to deposits | 64.2018% | 2,827 |
| Net loans and leases to core deposits | 65.6357% | 2,986 |
| Total domestic deposits to total assets | 82.5206% | 3,819 |
| Equity capital to assets | 9.4509% | 3,422 |
| Core capital (leverage) ratio | 9.4490% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2775% | 1,545 |
| Memoranda: | ||
| Average total assets | $758,769,500 | 1,224 |
| Average earning assets | $689,145,000 | 1,256 |
| Average equity | $72,024,250 | 1,334 |
| Average total loans | $421,270,750 | 1,344 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7202% | 4,433 |
| Cost of funding earning assets | 0.2459% | 3,314 |
| Net interest margin | 2.4743% | 4,339 |
| Noninterest income to average assets | 1.1609% | 848 |
| Noninterest expense to average assets | 2.5171% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6552% | 3,863 |
| Return on assets (ROA) | 0.6560% | 3,921 |
| Pretax return on assets | 0.8674% | 3,730 |
| Return on Equity (ROE) | 6.9011% | 3,683 |
| Retained earnings to average equity (ytd only) | 1.0311% | 4,330 |
| Net charge-offs to loans | -0.0080% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3948% | 1,215 |
| Assets per employee ($millions) | 5.2988% | 3,351 |
| Cash dividends to net income (ytd only)* | 85.0584% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 1,416 |
| Loan loss allowance to noncurrent loans | 127.4373% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 1,255 |
| Noncurrent loans to loans | 1.2178% | 989 |
| Net loans and leases to total assets | 53.6215% | 3,176 |
| Net loans and leases to deposits | 65.0049% | 2,898 |
| Net loans and leases to core deposits | 66.5649% | 3,067 |
| Total domestic deposits to total assets | 82.4885% | 3,824 |
| Equity capital to assets | 9.4864% | 3,339 |
| Core capital (leverage) ratio | 9.2864% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4217% | 1,826 |
| Memoranda: | ||
| Average total assets | $756,976,333 | 1,225 |
| Average earning assets | $679,952,333 | 1,258 |
| Average equity | $71,959,333 | 1,328 |
| Average total loans | $424,613,667 | 1,343 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8010% | 4,376 |
| Cost of funding earning assets | 0.2484% | 3,489 |
| Net interest margin | 2.5525% | 4,233 |
| Noninterest income to average assets | 1.2646% | 789 |
| Noninterest expense to average assets | 2.4737% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8350% | 3,313 |
| Return on assets (ROA) | 0.8459% | 3,364 |
| Pretax return on assets | 1.1240% | 3,054 |
| Return on Equity (ROE) | 8.8891% | 3,068 |
| Retained earnings to average equity (ytd only) | 6.0446% | 2,882 |
| Net charge-offs to loans | -0.0065% | 3,496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0220% | 1,810 |
| Assets per employee ($millions) | 5.2757% | 3,361 |
| Cash dividends to net income (ytd only)* | 32.0000% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 1,514 |
| Loan loss allowance to noncurrent loans | 125.0733% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6593% | 1,437 |
| Noncurrent loans to loans | 1.2210% | 1,080 |
| Net loans and leases to total assets | 53.1714% | 3,322 |
| Net loans and leases to deposits | 64.2043% | 3,106 |
| Net loans and leases to core deposits | 65.8447% | 3,256 |
| Total domestic deposits to total assets | 82.8160% | 3,736 |
| Equity capital to assets | 9.3407% | 3,343 |
| Core capital (leverage) ratio | 9.4504% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9969% | 1,570 |
| Memoranda: | ||
| Average total assets | $756,600,000 | 1,203 |
| Average earning assets | $687,471,000 | 1,236 |
| Average equity | $71,998,500 | 1,320 |
| Average total loans | $430,565,000 | 1,332 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2692% | 4,368 |
| Cost of funding earning assets | 0.3315% | 3,968 |
| Net interest margin | 2.9377% | 4,042 |
| Noninterest income to average assets | 1.1177% | 850 |
| Noninterest expense to average assets | 2.8026% | 1,935 |
| Loan and lease loss provision to assets | 0.2569% | 1,511 |
| Net operating income to assets | 0.5917% | 3,782 |
| Return on assets (ROA) | 0.5951% | 3,879 |
| Pretax return on assets | 0.7640% | 3,726 |
| Return on Equity (ROE) | 6.0329% | 3,578 |
| Retained earnings to average equity (ytd only) | 3.1763% | 3,244 |
| Net charge-offs to loans | -0.0064% | 4,184 |
| Credit loss provision to net charge-offs | -6,293.1034% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4675% | 1,751 |
| Assets per employee ($millions) | 5.0182% | 3,373 |
| Cash dividends to net income (ytd only)* | 47.3510% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 1,797 |
| Loan loss allowance to noncurrent loans | 119.9850% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 1,434 |
| Noncurrent loans to loans | 1.2035% | 1,163 |
| Net loans and leases to total assets | 59.1032% | 2,970 |
| Net loans and leases to deposits | 72.2471% | 2,657 |
| Net loans and leases to core deposits | 74.1829% | 2,898 |
| Total domestic deposits to total assets | 81.8070% | 3,708 |
| Equity capital to assets | 9.7004% | 3,404 |
| Core capital (leverage) ratio | 9.7128% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2524% | 1,758 |
| Memoranda: | ||
| Average total assets | $710,472,000 | 1,163 |
| Average earning assets | $653,341,600 | 1,177 |
| Average equity | $70,082,600 | 1,296 |
| Average total loans | $456,692,600 | 1,215 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2834% | 4,496 |
| Cost of funding earning assets | 0.3510% | 4,050 |
| Net interest margin | 2.9324% | 4,122 |
| Noninterest income to average assets | 1.0825% | 886 |
| Noninterest expense to average assets | 2.8005% | 1,962 |
| Loan and lease loss provision to assets | 0.2132% | 1,891 |
| Net operating income to assets | 0.6023% | 3,758 |
| Return on assets (ROA) | 0.6069% | 3,841 |
| Pretax return on assets | 0.7786% | 3,704 |
| Return on Equity (ROE) | 6.1259% | 3,513 |
| Retained earnings to average equity (ytd only) | 2.9969% | 3,524 |
| Net charge-offs to loans | -0.0026% | 3,923 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9862% | 1,646 |
| Assets per employee ($millions) | 5.2046% | 3,016 |
| Cash dividends to net income (ytd only)* | 51.0771% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 2,632 |
| Loan loss allowance to noncurrent loans | 206.4845% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 2,712 |
| Noncurrent loans to loans | 0.5840% | 2,335 |
| Net loans and leases to total assets | 60.2809% | 3,199 |
| Net loans and leases to deposits | 72.8916% | 3,048 |
| Net loans and leases to core deposits | 75.0873% | 3,236 |
| Total domestic deposits to total assets | 82.6994% | 3,222 |
| Equity capital to assets | 9.1907% | 3,958 |
| Core capital (leverage) ratio | 9.6637% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0512% | 1,811 |
| Memoranda: | ||
| Average total assets | $703,670,500 | 1,156 |
| Average earning assets | $648,821,000 | 1,160 |
| Average equity | $69,713,750 | 1,291 |
| Average total loans | $460,271,000 | 1,204 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4629% | 4,460 |
| Cost of funding earning assets | 0.3799% | 4,126 |
| Net interest margin | 3.0830% | 3,936 |
| Noninterest income to average assets | 1.0293% | 932 |
| Noninterest expense to average assets | 2.8694% | 1,913 |
| Loan and lease loss provision to assets | 0.0734% | 3,380 |
| Net operating income to assets | 0.7183% | 3,329 |
| Return on assets (ROA) | 0.7255% | 3,406 |
| Pretax return on assets | 0.9371% | 3,209 |
| Return on Equity (ROE) | 7.1287% | 3,082 |
| Retained earnings to average equity (ytd only) | 3.9739% | 2,921 |
| Net charge-offs to loans | -0.0088% | 4,167 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1359% | 1,662 |
| Assets per employee ($millions) | 4.9004% | 3,300 |
| Cash dividends to net income (ytd only)* | 44.2557% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,590 |
| Loan loss allowance to noncurrent loans | 174.9454% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 2,763 |
| Noncurrent loans to loans | 0.5705% | 2,449 |
| Net loans and leases to total assets | 66.1556% | 2,606 |
| Net loans and leases to deposits | 81.5745% | 2,250 |
| Net loans and leases to core deposits | 84.4421% | 2,573 |
| Total domestic deposits to total assets | 81.0984% | 3,581 |
| Equity capital to assets | 9.7693% | 3,408 |
| Core capital (leverage) ratio | 9.7201% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8444% | 1,878 |
| Memoranda: | ||
| Average total assets | $681,465,000 | 1,174 |
| Average earning assets | $628,085,000 | 1,172 |
| Average equity | $69,353,333 | 1,280 |
| Average total loans | $457,026,667 | 1,198 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6315% | 4,492 |
| Cost of funding earning assets | 0.4255% | 4,254 |
| Net interest margin | 3.2060% | 3,838 |
| Noninterest income to average assets | 1.1365% | 678 |
| Noninterest expense to average assets | 3.0035% | 1,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8232% | 2,820 |
| Return on assets (ROA) | 0.8380% | 2,848 |
| Pretax return on assets | 1.0972% | 2,533 |
| Return on Equity (ROE) | 8.0589% | 2,494 |
| Retained earnings to average equity (ytd only) | 5.7348% | 1,983 |
| Net charge-offs to loans | -0.0144% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6400% | 2,132 |
| Assets per employee ($millions) | 4.6876% | 3,004 |
| Cash dividends to net income (ytd only)* | 28.8392% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 3,525 |
| Loan loss allowance to noncurrent loans | 155.1313% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 2,760 |
| Noncurrent loans to loans | 0.6663% | 2,323 |
| Net loans and leases to total assets | 63.2174% | 3,165 |
| Net loans and leases to deposits | 77.7191% | 2,916 |
| Net loans and leases to core deposits | 80.6985% | 3,137 |
| Total domestic deposits to total assets | 81.3409% | 3,589 |
| Equity capital to assets | 10.0482% | 3,733 |
| Core capital (leverage) ratio | 10.6272% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3107% | 2,146 |
| Memoranda: | ||
| Average total assets | $662,019,500 | 1,167 |
| Average earning assets | $608,229,500 | 1,171 |
| Average equity | $68,843,000 | 1,278 |
| Average total loans | $444,860,000 | 1,197 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 4,198 |
| Cost of funding earning assets | 0.4520% | 4,264 |
| Net interest margin | 3.5730% | 3,221 |
| Noninterest income to average assets | 1.1527% | 704 |
| Noninterest expense to average assets | 3.1497% | 1,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0217% | 2,764 |
| Return on assets (ROA) | 1.0217% | 2,852 |
| Pretax return on assets | 1.3131% | 2,462 |
| Return on Equity (ROE) | 9.6403% | 2,455 |
| Retained earnings to average equity (ytd only) | 3.5843% | 3,207 |
| Net charge-offs to loans | -0.0044% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7209% | 2,354 |
| Assets per employee ($millions) | 4.4094% | 3,360 |
| Cash dividends to net income (ytd only)* | 62.8197% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 3,442 |
| Loan loss allowance to noncurrent loans | 157.1577% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 2,577 |
| Noncurrent loans to loans | 0.6418% | 2,283 |
| Net loans and leases to total assets | 70.0860% | 2,384 |
| Net loans and leases to deposits | 79.2682% | 2,871 |
| Net loans and leases to core deposits | 82.8236% | 3,056 |
| Total domestic deposits to total assets | 88.4163% | 932 |
| Equity capital to assets | 10.7796% | 3,205 |
| Core capital (leverage) ratio | 10.6287% | 2,827 |
| Tier 1 risk-based capital ratio | 13.0802% | 3,755 |
| Total risk-based capital ratio | 13.9513% | 3,831 |
| Memoranda: | ||
| Average total assets | $635,194,000 | 1,172 |
| Average earning assets | $588,466,800 | 1,179 |
| Average equity | $67,321,400 | 1,259 |
| Average total loans | $427,282,400 | 1,205 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0151% | 4,335 |
| Cost of funding earning assets | 0.4454% | 4,348 |
| Net interest margin | 3.5697% | 3,332 |
| Noninterest income to average assets | 1.1518% | 686 |
| Noninterest expense to average assets | 3.0822% | 1,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0807% | 2,650 |
| Return on assets (ROA) | 1.0807% | 2,742 |
| Pretax return on assets | 1.3817% | 2,375 |
| Return on Equity (ROE) | 10.2404% | 2,333 |
| Retained earnings to average equity (ytd only) | 4.8527% | 2,961 |
| Net charge-offs to loans | -0.0155% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1948% | 2,549 |
| Assets per employee ($millions) | 4.4418% | 3,298 |
| Cash dividends to net income (ytd only)* | 52.6122% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 3,443 |
| Loan loss allowance to noncurrent loans | 962.8692% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 4,332 |
| Noncurrent loans to loans | 0.1062% | 4,167 |
| Net loans and leases to total assets | 69.0389% | 2,618 |
| Net loans and leases to deposits | 78.1109% | 3,088 |
| Net loans and leases to core deposits | 81.7150% | 3,269 |
| Total domestic deposits to total assets | 88.3858% | 881 |
| Equity capital to assets | 10.7140% | 3,369 |
| Core capital (leverage) ratio | 10.6822% | 2,946 |
| Tier 1 risk-based capital ratio | 13.1252% | 3,781 |
| Total risk-based capital ratio | 14.0062% | 3,876 |
| Memoranda: | ||
| Average total assets | $635,252,500 | 1,175 |
| Average earning assets | $589,390,500 | 1,171 |
| Average equity | $67,040,250 | 1,259 |
| Average total loans | $421,715,000 | 1,219 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9613% | 4,458 |
| Cost of funding earning assets | 0.4325% | 4,387 |
| Net interest margin | 3.5289% | 3,508 |
| Noninterest income to average assets | 1.1155% | 684 |
| Noninterest expense to average assets | 3.0417% | 1,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0773% | 2,619 |
| Return on assets (ROA) | 1.0773% | 2,684 |
| Pretax return on assets | 1.3541% | 2,370 |
| Return on Equity (ROE) | 10.2609% | 2,262 |
| Retained earnings to average equity (ytd only) | 4.5864% | 2,984 |
| Net charge-offs to loans | -0.0218% | 4,563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3080% | 2,637 |
| Assets per employee ($millions) | 4.2830% | 3,458 |
| Cash dividends to net income (ytd only)* | 55.3017% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,192 |
| Loan loss allowance to noncurrent loans | 699.3865% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 4,205 |
| Noncurrent loans to loans | 0.1542% | 3,992 |
| Net loans and leases to total assets | 67.3668% | 2,911 |
| Net loans and leases to deposits | 76.1554% | 3,315 |
| Net loans and leases to core deposits | 79.8012% | 3,442 |
| Total domestic deposits to total assets | 88.4597% | 891 |
| Equity capital to assets | 10.9101% | 3,169 |
| Core capital (leverage) ratio | 10.8133% | 2,777 |
| Tier 1 risk-based capital ratio | 13.5039% | 3,582 |
| Total risk-based capital ratio | 14.4198% | 3,657 |
| Memoranda: | ||
| Average total assets | $633,796,000 | 1,172 |
| Average earning assets | $589,143,330 | 1,166 |
| Average equity | $66,544,000 | 1,262 |
| Average total loans | $413,569,330 | 1,245 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8763% | 4,594 |
| Cost of funding earning assets | 0.4168% | 4,414 |
| Net interest margin | 3.4595% | 3,717 |
| Noninterest income to average assets | 1.1297% | 636 |
| Noninterest expense to average assets | 2.9373% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1072% | 2,438 |
| Return on assets (ROA) | 1.1072% | 2,488 |
| Pretax return on assets | 1.4340% | 1,975 |
| Return on Equity (ROE) | 10.7495% | 2,052 |
| Retained earnings to average equity (ytd only) | 4.6711% | 3,047 |
| Net charge-offs to loans | -0.0166% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3230% | 3,037 |
| Assets per employee ($millions) | 4.4684% | 3,233 |
| Cash dividends to net income (ytd only)* | 56.5463% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 3,090 |
| Loan loss allowance to noncurrent loans | 1,044.2396% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 4,460 |
| Noncurrent loans to loans | 0.1060% | 4,260 |
| Net loans and leases to total assets | 63.7928% | 3,315 |
| Net loans and leases to deposits | 72.3408% | 3,578 |
| Net loans and leases to core deposits | 76.0478% | 3,658 |
| Total domestic deposits to total assets | 88.1837% | 1,241 |
| Equity capital to assets | 10.4983% | 3,345 |
| Core capital (leverage) ratio | 10.4541% | 3,101 |
| Tier 1 risk-based capital ratio | 13.8004% | 3,450 |
| Total risk-based capital ratio | 14.7430% | 3,517 |
| Memoranda: | ||
| Average total assets | $640,174,500 | 1,166 |
| Average earning assets | $599,852,500 | 1,141 |
| Average equity | $65,938,000 | 1,266 |
| Average total loans | $408,887,000 | 1,264 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7357% | 4,614 |
| Cost of funding earning assets | 0.3490% | 4,287 |
| Net interest margin | 3.3867% | 4,030 |
| Noninterest income to average assets | 1.0865% | 789 |
| Noninterest expense to average assets | 3.0979% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0227% | 2,917 |
| Return on assets (ROA) | 1.0227% | 2,905 |
| Pretax return on assets | 1.1486% | 3,104 |
| Return on Equity (ROE) | 10.2788% | 2,404 |
| Retained earnings to average equity (ytd only) | 6.7206% | 1,803 |
| Net charge-offs to loans | 0.0012% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1,463.8000% | 79 |
| Efficiency ratio | 71.0078% | 2,042 |
| Assets per employee ($millions) | 4.6131% | 2,999 |
| Cash dividends to net income (ytd only)* | 34.6172% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 3,067 |
| Loan loss allowance to noncurrent loans | 1,087.9518% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 4,484 |
| Noncurrent loans to loans | 0.1016% | 4,275 |
| Net loans and leases to total assets | 62.5473% | 3,507 |
| Net loans and leases to deposits | 70.7006% | 3,770 |
| Net loans and leases to core deposits | 74.6868% | 3,806 |
| Total domestic deposits to total assets | 88.4679% | 1,085 |
| Equity capital to assets | 10.1052% | 3,564 |
| Core capital (leverage) ratio | 10.4475% | 3,085 |
| Tier 1 risk-based capital ratio | 13.6723% | 3,457 |
| Total risk-based capital ratio | 14.6170% | 3,517 |
| Memoranda: | ||
| Average total assets | $637,212,800 | 1,147 |
| Average earning assets | $594,564,200 | 1,126 |
| Average equity | $63,402,400 | 1,260 |
| Average total loans | $427,573,800 | 1,186 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7236% | 4,611 |
| Cost of funding earning assets | 0.3249% | 4,352 |
| Net interest margin | 3.3987% | 4,010 |
| Noninterest income to average assets | 1.0584% | 846 |
| Noninterest expense to average assets | 3.1035% | 1,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9473% | 3,314 |
| Return on assets (ROA) | 0.9473% | 3,325 |
| Pretax return on assets | 1.1222% | 3,307 |
| Return on Equity (ROE) | 9.5585% | 2,815 |
| Retained earnings to average equity (ytd only) | 6.5969% | 2,338 |
| Net charge-offs to loans | -0.0154% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4861% | 1,963 |
| Assets per employee ($millions) | 4.3007% | 3,420 |
| Cash dividends to net income (ytd only)* | 30.9840% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 3,282 |
| Loan loss allowance to noncurrent loans | 1,011.0619% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 4,562 |
| Noncurrent loans to loans | 0.1073% | 4,406 |
| Net loans and leases to total assets | 66.8449% | 3,086 |
| Net loans and leases to deposits | 75.9156% | 3,423 |
| Net loans and leases to core deposits | 80.1919% | 3,479 |
| Total domestic deposits to total assets | 88.0517% | 1,218 |
| Equity capital to assets | 10.2932% | 3,341 |
| Core capital (leverage) ratio | 10.2034% | 3,406 |
| Tier 1 risk-based capital ratio | 13.0576% | 3,872 |
| Total risk-based capital ratio | 13.9907% | 3,957 |
| Memoranda: | ||
| Average total assets | $635,057,500 | 1,147 |
| Average earning assets | $591,814,000 | 1,133 |
| Average equity | $62,937,250 | 1,268 |
| Average total loans | $432,350,500 | 1,176 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6236% | 4,728 |
| Cost of funding earning assets | 0.3079% | 4,368 |
| Net interest margin | 3.3158% | 4,207 |
| Noninterest income to average assets | 1.0133% | 933 |
| Noninterest expense to average assets | 2.9611% | 2,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8753% | 3,560 |
| Return on assets (ROA) | 0.8753% | 3,564 |
| Pretax return on assets | 1.1408% | 3,166 |
| Return on Equity (ROE) | 8.9443% | 3,047 |
| Retained earnings to average equity (ytd only) | 6.8842% | 2,123 |
| Net charge-offs to loans | -0.1041% | 5,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1824% | 2,282 |
| Assets per employee ($millions) | 4.3389% | 3,366 |
| Cash dividends to net income (ytd only)* | 23.0329% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 3,303 |
| Loan loss allowance to noncurrent loans | 745.2119% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 4,453 |
| Noncurrent loans to loans | 0.1468% | 4,241 |
| Net loans and leases to total assets | 66.8405% | 3,039 |
| Net loans and leases to deposits | 75.1264% | 3,430 |
| Net loans and leases to core deposits | 77.3650% | 3,631 |
| Total domestic deposits to total assets | 88.9708% | 946 |
| Equity capital to assets | 9.8695% | 3,754 |
| Core capital (leverage) ratio | 9.7725% | 3,815 |
| Tier 1 risk-based capital ratio | 12.6170% | 4,116 |
| Total risk-based capital ratio | 13.5714% | 4,175 |
| Memoranda: | ||
| Average total assets | $638,875,670 | 1,138 |
| Average earning assets | $595,093,670 | 1,126 |
| Average equity | $62,520,000 | 1,279 |
| Average total loans | $435,995,000 | 1,175 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4965% | 4,884 |
| Cost of funding earning assets | 0.2961% | 4,381 |
| Net interest margin | 3.2004% | 4,454 |
| Noninterest income to average assets | 1.0169% | 884 |
| Noninterest expense to average assets | 2.9433% | 2,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8085% | 3,674 |
| Return on assets (ROA) | 0.8085% | 3,682 |
| Pretax return on assets | 1.0520% | 3,352 |
| Return on Equity (ROE) | 8.2975% | 3,247 |
| Retained earnings to average equity (ytd only) | 7.6533% | 1,969 |
| Net charge-offs to loans | -0.1776% | 5,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5947% | 2,250 |
| Assets per employee ($millions) | 4.3764% | 3,358 |
| Cash dividends to net income (ytd only)* | 7.7640% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 3,478 |
| Loan loss allowance to noncurrent loans | 536.9021% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 4,357 |
| Noncurrent loans to loans | 0.2021% | 4,062 |
| Net loans and leases to total assets | 66.7851% | 2,928 |
| Net loans and leases to deposits | 74.9654% | 3,321 |
| Net loans and leases to core deposits | 76.9455% | 3,584 |
| Total domestic deposits to total assets | 89.0878% | 1,055 |
| Equity capital to assets | 9.7254% | 3,863 |
| Core capital (leverage) ratio | 9.6713% | 3,879 |
| Tier 1 risk-based capital ratio | 12.6132% | 4,168 |
| Total risk-based capital ratio | 13.5790% | 4,252 |
| Memoranda: | ||
| Average total assets | $637,235,000 | 1,153 |
| Average earning assets | $593,049,500 | 1,141 |
| Average equity | $62,091,000 | 1,290 |
| Average total loans | $437,008,500 | 1,176 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3932% | 4,953 |
| Cost of funding earning assets | 0.2648% | 4,436 |
| Net interest margin | 3.1285% | 4,635 |
| Noninterest income to average assets | 1.2259% | 696 |
| Noninterest expense to average assets | 3.0318% | 2,067 |
| Loan and lease loss provision to assets | 0.0235% | 3,829 |
| Net operating income to assets | 0.7701% | 3,302 |
| Return on assets (ROA) | 0.7701% | 3,341 |
| Pretax return on assets | 1.0837% | 3,252 |
| Return on Equity (ROE) | 8.0385% | 2,776 |
| Retained earnings to average equity (ytd only) | 1.6525% | 4,309 |
| Net charge-offs to loans | 0.0038% | 3,969 |
| Credit loss provision to net charge-offs | 888.2353% | 397 |
| Earnings coverage of net charge-offs (x) | 419.2353% | 204 |
| Efficiency ratio | 71.2758% | 2,340 |
| Assets per employee ($millions) | 4.4761% | 3,222 |
| Cash dividends to net income (ytd only)* | 79.4432% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 3,756 |
| Loan loss allowance to noncurrent loans | 521.9400% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 4,369 |
| Noncurrent loans to loans | 0.1970% | 4,127 |
| Net loans and leases to total assets | 68.9443% | 2,696 |
| Net loans and leases to deposits | 77.6275% | 3,159 |
| Net loans and leases to core deposits | 79.6730% | 3,449 |
| Total domestic deposits to total assets | 88.8142% | 1,078 |
| Equity capital to assets | 9.7626% | 3,952 |
| Core capital (leverage) ratio | 9.6767% | 3,838 |
| Tier 1 risk-based capital ratio | 11.9754% | 4,544 |
| Total risk-based capital ratio | 12.8724% | 4,661 |
| Memoranda: | ||
| Average total assets | $643,703,600 | 1,129 |
| Average earning assets | $599,398,200 | 1,115 |
| Average equity | $61,665,600 | 1,285 |
| Average total loans | $448,945,200 | 1,131 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3500% | 5,039 |
| Cost of funding earning assets | 0.2621% | 4,465 |
| Net interest margin | 3.0879% | 4,742 |
| Noninterest income to average assets | 1.2343% | 689 |
| Noninterest expense to average assets | 2.9822% | 2,156 |
| Loan and lease loss provision to assets | 0.0239% | 3,667 |
| Net operating income to assets | 0.7530% | 3,721 |
| Return on assets (ROA) | 0.7530% | 3,782 |
| Pretax return on assets | 1.1059% | 3,280 |
| Return on Equity (ROE) | 7.8967% | 3,177 |
| Retained earnings to average equity (ytd only) | 5.4367% | 2,578 |
| Net charge-offs to loans | 0.0112% | 3,328 |
| Credit loss provision to net charge-offs | 305.2632% | 970 |
| Earnings coverage of net charge-offs (x) | 144.2238% | 555 |
| Efficiency ratio | 70.5499% | 2,443 |
| Assets per employee ($millions) | 4.4717% | 3,196 |
| Cash dividends to net income (ytd only)* | 31.1526% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 4,077 |
| Loan loss allowance to noncurrent loans | 494.3522% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 4,522 |
| Noncurrent loans to loans | 0.2018% | 4,276 |
| Net loans and leases to total assets | 70.2759% | 2,516 |
| Net loans and leases to deposits | 79.2397% | 3,040 |
| Net loans and leases to core deposits | 81.0756% | 3,366 |
| Total domestic deposits to total assets | 88.6877% | 1,018 |
| Equity capital to assets | 10.0230% | 3,886 |
| Core capital (leverage) ratio | 9.8321% | 3,780 |
| Tier 1 risk-based capital ratio | 12.3308% | 4,422 |
| Total risk-based capital ratio | 13.2113% | 4,531 |
| Memoranda: | ||
| Average total assets | $646,846,250 | 1,131 |
| Average earning assets | $602,807,000 | 1,115 |
| Average equity | $61,678,250 | 1,291 |
| Average total loans | $451,269,000 | 1,130 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2621% | 5,163 |
| Cost of funding earning assets | 0.2603% | 4,465 |
| Net interest margin | 3.0018% | 4,910 |
| Noninterest income to average assets | 1.2172% | 698 |
| Noninterest expense to average assets | 2.9662% | 2,210 |
| Loan and lease loss provision to assets | 0.0356% | 3,293 |
| Net operating income to assets | 0.7000% | 3,855 |
| Return on assets (ROA) | 0.7000% | 3,915 |
| Pretax return on assets | 1.0124% | 3,515 |
| Return on Equity (ROE) | 7.4642% | 3,303 |
| Retained earnings to average equity (ytd only) | 5.6496% | 2,324 |
| Net charge-offs to loans | 0.0331% | 2,534 |
| Credit loss provision to net charge-offs | 154.6667% | 1,498 |
| Earnings coverage of net charge-offs (x) | 45.5733% | 1,148 |
| Efficiency ratio | 71.8836% | 2,356 |
| Assets per employee ($millions) | 4.5989% | 2,948 |
| Cash dividends to net income (ytd only)* | 24.3101% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 4,274 |
| Loan loss allowance to noncurrent loans | 108.9857% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 2,681 |
| Noncurrent loans to loans | 0.8979% | 2,181 |
| Net loans and leases to total assets | 68.5987% | 2,725 |
| Net loans and leases to deposits | 76.9445% | 3,226 |
| Net loans and leases to core deposits | 78.6048% | 3,542 |
| Total domestic deposits to total assets | 89.1535% | 883 |
| Equity capital to assets | 9.5584% | 4,352 |
| Core capital (leverage) ratio | 9.5625% | 4,056 |
| Tier 1 risk-based capital ratio | 11.9382% | 4,669 |
| Total risk-based capital ratio | 12.7958% | 4,820 |
| Memoranda: | ||
| Average total assets | $652,292,000 | 1,120 |
| Average earning assets | $607,761,330 | 1,116 |
| Average equity | $61,172,330 | 1,300 |
| Average total loans | $452,505,330 | 1,128 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2225% | 5,210 |
| Cost of funding earning assets | 0.2637% | 4,419 |
| Net interest margin | 2.9588% | 4,979 |
| Noninterest income to average assets | 1.2124% | 700 |
| Noninterest expense to average assets | 2.9685% | 2,248 |
| Loan and lease loss provision to assets | 0.0172% | 3,351 |
| Net operating income to assets | 0.6805% | 3,790 |
| Return on assets (ROA) | 0.6805% | 3,827 |
| Pretax return on assets | 0.9805% | 3,452 |
| Return on Equity (ROE) | 7.3264% | 3,248 |
| Retained earnings to average equity (ytd only) | 4.5187% | 3,160 |
| Net charge-offs to loans | 0.0230% | 2,305 |
| Credit loss provision to net charge-offs | 107.6923% | 1,495 |
| Earnings coverage of net charge-offs (x) | 62.5385% | 784 |
| Efficiency ratio | 72.8342% | 2,436 |
| Assets per employee ($millions) | 4.5248% | 3,125 |
| Cash dividends to net income (ytd only)* | 38.3228% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 4,447 |
| Loan loss allowance to noncurrent loans | 237.7031% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 4,055 |
| Noncurrent loans to loans | 0.4078% | 3,630 |
| Net loans and leases to total assets | 68.8033% | 2,557 |
| Net loans and leases to deposits | 77.0805% | 3,067 |
| Net loans and leases to core deposits | 78.8148% | 3,408 |
| Total domestic deposits to total assets | 89.2616% | 1,021 |
| Equity capital to assets | 9.3677% | 4,424 |
| Core capital (leverage) ratio | 9.1248% | 4,577 |
| Tier 1 risk-based capital ratio | 11.6952% | 4,914 |
| Total risk-based capital ratio | 12.5435% | 5,052 |
| Memoranda: | ||
| Average total assets | $651,918,500 | 1,121 |
| Average earning assets | $606,734,500 | 1,118 |
| Average equity | $60,548,500 | 1,309 |
| Average total loans | $452,556,500 | 1,121 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1684% | 5,341 |
| Cost of funding earning assets | 0.2483% | 4,581 |
| Net interest margin | 2.9201% | 5,096 |
| Noninterest income to average assets | 1.2144% | 771 |
| Noninterest expense to average assets | 3.1439% | 1,913 |
| Loan and lease loss provision to assets | 0.1337% | 1,866 |
| Net operating income to assets | 0.5719% | 4,339 |
| Return on assets (ROA) | 0.5777% | 4,412 |
| Pretax return on assets | 0.6627% | 4,613 |
| Return on Equity (ROE) | 6.3726% | 3,804 |
| Retained earnings to average equity (ytd only) | 5.0981% | 2,285 |
| Net charge-offs to loans | 0.2538% | 1,089 |
| Credit loss provision to net charge-offs | 77.2242% | 3,014 |
| Earnings coverage of net charge-offs (x) | 4.5614% | 3,478 |
| Efficiency ratio | 77.4936% | 1,773 |
| Assets per employee ($millions) | 4.1283% | 3,739 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 4,477 |
| Loan loss allowance to noncurrent loans | 253.2333% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 4,201 |
| Noncurrent loans to loans | 0.3828% | 3,763 |
| Net loans and leases to total assets | 68.6893% | 2,668 |
| Net loans and leases to deposits | 77.0642% | 3,199 |
| Net loans and leases to core deposits | 79.0111% | 3,477 |
| Total domestic deposits to total assets | 89.1326% | 1,044 |
| Equity capital to assets | 9.2079% | 4,575 |
| Core capital (leverage) ratio | 9.2162% | 4,457 |
| Tier 1 risk-based capital ratio | 11.4412% | 5,093 |
| Total risk-based capital ratio | 12.2775% | 5,221 |
| Memoranda: | ||
| Average total assets | $649,120,000 | 1,096 |
| Average earning assets | $604,501,000 | 1,077 |
| Average equity | $58,846,000 | 1,314 |
| Average total loans | $442,947,800 | 1,102 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1606% | 5,420 |
| Cost of funding earning assets | 0.2425% | 4,674 |
| Net interest margin | 2.9181% | 5,155 |
| Noninterest income to average assets | 1.2615% | 731 |
| Noninterest expense to average assets | 3.1960% | 1,784 |
| Loan and lease loss provision to assets | 0.1238% | 1,879 |
| Net operating income to assets | 0.4709% | 4,801 |
| Return on assets (ROA) | 0.4773% | 4,863 |
| Pretax return on assets | 0.6675% | 4,695 |
| Return on Equity (ROE) | 5.2861% | 4,394 |
| Retained earnings to average equity (ytd only) | 4.2612% | 3,291 |
| Net charge-offs to loans | 0.2046% | 1,145 |
| Credit loss provision to net charge-offs | 89.0533% | 2,544 |
| Earnings coverage of net charge-offs (x) | 5.6287% | 3,102 |
| Efficiency ratio | 78.0058% | 1,690 |
| Assets per employee ($millions) | 3.9795% | 4,003 |
| Cash dividends to net income (ytd only)* | 19.3884% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 4,378 |
| Loan loss allowance to noncurrent loans | 184.4166% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 3,772 |
| Noncurrent loans to loans | 0.5446% | 3,365 |
| Net loans and leases to total assets | 70.2761% | 2,453 |
| Net loans and leases to deposits | 79.0268% | 3,075 |
| Net loans and leases to core deposits | 80.6281% | 3,387 |
| Total domestic deposits to total assets | 88.9270% | 943 |
| Equity capital to assets | 9.2808% | 4,884 |
| Core capital (leverage) ratio | 9.2762% | 4,491 |
| Tier 1 risk-based capital ratio | 11.2840% | 5,210 |
| Total risk-based capital ratio | 12.1604% | 5,331 |
| Memoranda: | ||
| Average total assets | $648,332,750 | 1,098 |
| Average earning assets | $603,659,250 | 1,085 |
| Average equity | $58,542,500 | 1,327 |
| Average total loans | $440,578,500 | 1,112 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1620% | 5,487 |
| Cost of funding earning assets | 0.2393% | 4,762 |
| Net interest margin | 2.9227% | 5,227 |
| Noninterest income to average assets | 1.2881% | 692 |
| Noninterest expense to average assets | 3.2372% | 1,722 |
| Loan and lease loss provision to assets | 0.0980% | 2,201 |
| Net operating income to assets | 0.4806% | 4,761 |
| Return on assets (ROA) | 0.4895% | 4,820 |
| Pretax return on assets | 0.6818% | 4,673 |
| Return on Equity (ROE) | 5.4708% | 4,301 |
| Retained earnings to average equity (ytd only) | 4.7840% | 2,874 |
| Net charge-offs to loans | 0.2831% | 840 |
| Credit loss provision to net charge-offs | 51.7018% | 2,648 |
| Earnings coverage of net charge-offs (x) | 4.0486% | 3,024 |
| Efficiency ratio | 78.5314% | 1,707 |
| Assets per employee ($millions) | 3.9835% | 3,942 |
| Cash dividends to net income (ytd only)* | 12.5549% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 4,669 |
| Loan loss allowance to noncurrent loans | 147.8557% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 3,662 |
| Noncurrent loans to loans | 0.6563% | 3,107 |
| Net loans and leases to total assets | 68.6991% | 2,681 |
| Net loans and leases to deposits | 76.9517% | 3,274 |
| Net loans and leases to core deposits | 78.6416% | 3,588 |
| Total domestic deposits to total assets | 89.2756% | 772 |
| Equity capital to assets | 9.1765% | 5,091 |
| Core capital (leverage) ratio | 9.0910% | 4,726 |
| Tier 1 risk-based capital ratio | 11.3922% | 5,221 |
| Total risk-based capital ratio | 12.2417% | 5,356 |
| Memoranda: | ||
| Average total assets | $650,877,000 | 1,093 |
| Average earning assets | $604,992,670 | 1,078 |
| Average equity | $58,236,000 | 1,339 |
| Average total loans | $435,829,000 | 1,122 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1796% | 5,514 |
| Cost of funding earning assets | 0.2386% | 4,825 |
| Net interest margin | 2.9410% | 5,239 |
| Noninterest income to average assets | 1.1058% | 894 |
| Noninterest expense to average assets | 3.1001% | 2,102 |
| Loan and lease loss provision to assets | 0.0771% | 2,420 |
| Net operating income to assets | 0.4849% | 4,691 |
| Return on assets (ROA) | 0.4889% | 4,779 |
| Pretax return on assets | 0.6725% | 4,616 |
| Return on Equity (ROE) | 5.5347% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.5347% | 2,621 |
| Net charge-offs to loans | 0.5090% | 428 |
| Credit loss provision to net charge-offs | 23.0347% | 2,275 |
| Earnings coverage of net charge-offs (x) | 2.2230% | 2,718 |
| Efficiency ratio | 78.2553% | 1,859 |
| Assets per employee ($millions) | 4.1336% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 4,685 |
| Loan loss allowance to noncurrent loans | 127.1769% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 3,505 |
| Noncurrent loans to loans | 0.7757% | 2,898 |
| Net loans and leases to total assets | 65.2822% | 3,069 |
| Net loans and leases to deposits | 72.8502% | 3,567 |
| Net loans and leases to core deposits | 74.4618% | 3,841 |
| Total domestic deposits to total assets | 89.6115% | 777 |
| Equity capital to assets | 8.9818% | 5,185 |
| Core capital (leverage) ratio | 8.7415% | 5,137 |
| Tier 1 risk-based capital ratio | 11.4953% | 5,237 |
| Total risk-based capital ratio | 12.3379% | 5,367 |
| Memoranda: | ||
| Average total assets | $653,649,000 | 1,083 |
| Average earning assets | $608,635,500 | 1,067 |
| Average equity | $57,744,500 | 1,342 |
| Average total loans | $429,902,500 | 1,135 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1169% | 5,616 |
| Cost of funding earning assets | 0.2364% | 4,934 |
| Net interest margin | 2.8806% | 5,369 |
| Noninterest income to average assets | 1.1160% | 944 |
| Noninterest expense to average assets | 3.2391% | 1,865 |
| Loan and lease loss provision to assets | 0.2278% | 883 |
| Net operating income to assets | 0.3083% | 5,333 |
| Return on assets (ROA) | 0.3083% | 5,415 |
| Pretax return on assets | 0.3632% | 5,399 |
| Return on Equity (ROE) | 3.4869% | 5,144 |
| Retained earnings to average equity (ytd only) | 0.2240% | 5,422 |
| Net charge-offs to loans | 0.1652% | 1,714 |
| Credit loss provision to net charge-offs | 217.0877% | 1,306 |
| Earnings coverage of net charge-offs (x) | 5.6315% | 3,352 |
| Efficiency ratio | 81.6490% | 1,450 |
| Assets per employee ($millions) | 4.1949% | 3,572 |
| Cash dividends to net income (ytd only)* | 93.5761% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 4,753 |
| Loan loss allowance to noncurrent loans | 111.7710% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 3,326 |
| Noncurrent loans to loans | 0.8694% | 2,614 |
| Net loans and leases to total assets | 64.9437% | 3,130 |
| Net loans and leases to deposits | 73.6526% | 3,537 |
| Net loans and leases to core deposits | 75.2809% | 3,822 |
| Total domestic deposits to total assets | 88.1757% | 1,544 |
| Equity capital to assets | 8.7247% | 5,368 |
| Core capital (leverage) ratio | 8.8554% | 5,055 |
| Tier 1 risk-based capital ratio | 11.1517% | 5,441 |
| Total risk-based capital ratio | 11.9689% | 5,580 |
| Memoranda: | ||
| Average total assets | $641,224,600 | 1,068 |
| Average earning assets | $604,181,800 | 1,036 |
| Average equity | $56,697,800 | 1,316 |
| Average total loans | $407,501,800 | 1,132 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0404% | 5,772 |
| Cost of funding earning assets | 0.2333% | 5,062 |
| Net interest margin | 2.8071% | 5,565 |
| Noninterest income to average assets | 1.1198% | 961 |
| Noninterest expense to average assets | 3.2820% | 1,736 |
| Loan and lease loss provision to assets | 0.1344% | 1,673 |
| Net operating income to assets | 0.3038% | 5,440 |
| Return on assets (ROA) | 0.3038% | 5,523 |
| Pretax return on assets | 0.3563% | 5,544 |
| Return on Equity (ROE) | 3.4237% | 5,244 |
| Retained earnings to average equity (ytd only) | -0.9415% | 5,754 |
| Net charge-offs to loans | 0.1800% | 1,403 |
| Credit loss provision to net charge-offs | 118.4502% | 2,008 |
| Earnings coverage of net charge-offs (x) | 4.3247% | 3,368 |
| Efficiency ratio | 83.8466% | 1,194 |
| Assets per employee ($millions) | 4.1524% | 3,614 |
| Cash dividends to net income (ytd only)* | 127.4984% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8397% | 5,406 |
| Loan loss allowance to noncurrent loans | 101.6218% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 3,635 |
| Noncurrent loans to loans | 0.8263% | 2,903 |
| Net loans and leases to total assets | 63.9719% | 3,313 |
| Net loans and leases to deposits | 71.9630% | 3,773 |
| Net loans and leases to core deposits | 73.4050% | 4,065 |
| Total domestic deposits to total assets | 88.8955% | 1,079 |
| Equity capital to assets | 8.7555% | 5,528 |
| Core capital (leverage) ratio | 8.8307% | 5,203 |
| Tier 1 risk-based capital ratio | 11.4071% | 5,421 |
| Total risk-based capital ratio | 12.1133% | 5,652 |
| Memoranda: | ||
| Average total assets | $636,880,500 | 1,085 |
| Average earning assets | $601,878,000 | 1,048 |
| Average equity | $56,507,000 | 1,330 |
| Average total loans | $401,398,000 | 1,154 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0581% | 5,791 |
| Cost of funding earning assets | 0.2284% | 5,163 |
| Net interest margin | 2.8297% | 5,555 |
| Noninterest income to average assets | 1.1199% | 964 |
| Noninterest expense to average assets | 3.2960% | 1,719 |
| Loan and lease loss provision to assets | 0.1052% | 2,076 |
| Net operating income to assets | 0.3256% | 5,368 |
| Return on assets (ROA) | 0.3256% | 5,466 |
| Pretax return on assets | 0.3910% | 5,484 |
| Return on Equity (ROE) | 3.6536% | 5,158 |
| Retained earnings to average equity (ytd only) | -2.9023% | 5,917 |
| Net charge-offs to loans | 0.2233% | 1,149 |
| Credit loss provision to net charge-offs | 75.3394% | 2,393 |
| Earnings coverage of net charge-offs (x) | 3.5543% | 3,176 |
| Efficiency ratio | 83.7678% | 1,289 |
| Assets per employee ($millions) | 4.0287% | 3,827 |
| Cash dividends to net income (ytd only)* | 179.4374% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 5,564 |
| Loan loss allowance to noncurrent loans | 99.8487% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 3,728 |
| Noncurrent loans to loans | 0.8161% | 3,083 |
| Net loans and leases to total assets | 63.9157% | 3,274 |
| Net loans and leases to deposits | 70.6193% | 3,861 |
| Net loans and leases to core deposits | 72.1556% | 4,116 |
| Total domestic deposits to total assets | 90.5074% | 449 |
| Equity capital to assets | 8.9417% | 5,291 |
| Core capital (leverage) ratio | 8.9175% | 5,071 |
| Tier 1 risk-based capital ratio | 11.9785% | 5,173 |
| Total risk-based capital ratio | 12.6822% | 5,428 |
| Memoranda: | ||
| Average total assets | $633,250,000 | 1,091 |
| Average earning assets | $598,019,670 | 1,063 |
| Average equity | $56,437,330 | 1,345 |
| Average total loans | $395,897,000 | 1,165 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9908% | 5,904 |
| Cost of funding earning assets | 0.2256% | 5,262 |
| Net interest margin | 2.7652% | 5,711 |
| Noninterest income to average assets | 1.2171% | 763 |
| Noninterest expense to average assets | 3.2522% | 1,837 |
| Loan and lease loss provision to assets | 0.1347% | 1,536 |
| Net operating income to assets | 0.3581% | 5,229 |
| Return on assets (ROA) | 0.3581% | 5,344 |
| Pretax return on assets | 0.4449% | 5,332 |
| Return on Equity (ROE) | 4.0242% | 4,973 |
| Retained earnings to average equity (ytd only) | -7.2917% | 6,050 |
| Net charge-offs to loans | 0.4211% | 581 |
| Credit loss provision to net charge-offs | 51.9417% | 2,083 |
| Earnings coverage of net charge-offs (x) | 2.2354% | 2,802 |
| Efficiency ratio | 81.7704% | 1,650 |
| Assets per employee ($millions) | 4.0758% | 3,811 |
| Cash dividends to net income (ytd only)* | 281.1951% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 5,643 |
| Loan loss allowance to noncurrent loans | 125.6751% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 4,113 |
| Noncurrent loans to loans | 0.6538% | 3,640 |
| Net loans and leases to total assets | 61.7498% | 3,411 |
| Net loans and leases to deposits | 68.8578% | 3,873 |
| Net loans and leases to core deposits | 70.1152% | 4,140 |
| Total domestic deposits to total assets | 89.6772% | 915 |
| Equity capital to assets | 8.9473% | 5,352 |
| Core capital (leverage) ratio | 8.7450% | 5,268 |
| Tier 1 risk-based capital ratio | 12.1490% | 5,154 |
| Total risk-based capital ratio | 12.8470% | 5,415 |
| Memoranda: | ||
| Average total assets | $635,634,500 | 1,093 |
| Average earning assets | $601,045,500 | 1,062 |
| Average equity | $56,557,500 | 1,345 |
| Average total loans | $391,346,500 | 1,173 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8854% | 6,150 |
| Cost of funding earning assets | 0.2192% | 5,600 |
| Net interest margin | 2.6662% | 5,987 |
| Noninterest income to average assets | 1.1815% | 865 |
| Noninterest expense to average assets | 3.0776% | 2,599 |
| Loan and lease loss provision to assets | 0.2514% | 903 |
| Net operating income to assets | 0.3222% | 5,460 |
| Return on assets (ROA) | 0.4102% | 5,250 |
| Pretax return on assets | 0.4914% | 5,273 |
| Return on Equity (ROE) | 4.6672% | 4,814 |
| Retained earnings to average equity (ytd only) | 3.7676% | 3,538 |
| Net charge-offs to loans | 0.0436% | 3,954 |
| Credit loss provision to net charge-offs | 1,067.1141% | 259 |
| Earnings coverage of net charge-offs (x) | 27.0336% | 1,446 |
| Efficiency ratio | 79.1120% | 2,050 |
| Assets per employee ($millions) | 4.1792% | 3,582 |
| Cash dividends to net income (ytd only)* | 19.2753% | 3,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 5,566 |
| Loan loss allowance to noncurrent loans | 126.2593% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 4,216 |
| Noncurrent loans to loans | 0.6890% | 3,618 |
| Net loans and leases to total assets | 60.3618% | 3,741 |
| Net loans and leases to deposits | 69.5987% | 3,964 |
| Net loans and leases to core deposits | 70.8678% | 4,232 |
| Total domestic deposits to total assets | 86.7284% | 2,436 |
| Equity capital to assets | 8.8496% | 5,428 |
| Core capital (leverage) ratio | 8.4573% | 5,599 |
| Tier 1 risk-based capital ratio | 12.8483% | 4,825 |
| Total risk-based capital ratio | 13.6565% | 5,009 |
| Memoranda: | ||
| Average total assets | $632,430,600 | 1,055 |
| Average earning assets | $600,857,000 | 1,020 |
| Average equity | $55,578,800 | 1,314 |
| Average total loans | $341,815,000 | 1,284 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8573% | 6,241 |
| Cost of funding earning assets | 0.2165% | 5,701 |
| Net interest margin | 2.6408% | 6,085 |
| Noninterest income to average assets | 1.1979% | 837 |
| Noninterest expense to average assets | 3.0378% | 2,679 |
| Loan and lease loss provision to assets | 0.3028% | 647 |
| Net operating income to assets | 0.3092% | 5,552 |
| Return on assets (ROA) | 0.4074% | 5,293 |
| Pretax return on assets | 0.4845% | 5,367 |
| Return on Equity (ROE) | 4.6443% | 4,881 |
| Retained earnings to average equity (ytd only) | 3.4374% | 4,178 |
| Net charge-offs to loans | 0.0462% | 3,570 |
| Credit loss provision to net charge-offs | 1,254.3860% | 275 |
| Earnings coverage of net charge-offs (x) | 27.7713% | 1,437 |
| Efficiency ratio | 77.9808% | 2,182 |
| Assets per employee ($millions) | 4.1456% | 3,570 |
| Cash dividends to net income (ytd only)* | 25.9875% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 5,634 |
| Loan loss allowance to noncurrent loans | 141.5517% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 4,786 |
| Noncurrent loans to loans | 0.6282% | 4,042 |
| Net loans and leases to total assets | 57.3277% | 4,163 |
| Net loans and leases to deposits | 68.5594% | 4,079 |
| Net loans and leases to core deposits | 70.0170% | 4,323 |
| Total domestic deposits to total assets | 83.6175% | 3,911 |
| Equity capital to assets | 8.7870% | 5,561 |
| Core capital (leverage) ratio | 8.3872% | 5,771 |
| Tier 1 risk-based capital ratio | 13.0084% | 4,862 |
| Total risk-based capital ratio | 13.8097% | 5,069 |
| Memoranda: | ||
| Average total assets | $629,640,250 | 1,071 |
| Average earning assets | $598,550,750 | 1,032 |
| Average equity | $55,234,750 | 1,327 |
| Average total loans | $329,295,500 | 1,335 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7179% | 6,384 |
| Cost of funding earning assets | 0.2137% | 5,798 |
| Net interest margin | 2.5042% | 6,269 |
| Noninterest income to average assets | 1.2337% | 770 |
| Noninterest expense to average assets | 3.0314% | 2,724 |
| Loan and lease loss provision to assets | 0.1104% | 2,181 |
| Net operating income to assets | 0.3679% | 5,338 |
| Return on assets (ROA) | 0.5036% | 4,883 |
| Pretax return on assets | 0.6507% | 4,782 |
| Return on Equity (ROE) | 5.7438% | 4,310 |
| Retained earnings to average equity (ytd only) | 4.2878% | 3,442 |
| Net charge-offs to loans | 0.0285% | 3,621 |
| Credit loss provision to net charge-offs | 768.8889% | 415 |
| Earnings coverage of net charge-offs (x) | 40.7333% | 1,046 |
| Efficiency ratio | 79.7653% | 2,053 |
| Assets per employee ($millions) | 4.1403% | 3,563 |
| Cash dividends to net income (ytd only)* | 25.3485% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7007% | 6,174 |
| Loan loss allowance to noncurrent loans | 299.2084% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 5,773 |
| Noncurrent loans to loans | 0.2342% | 5,294 |
| Net loans and leases to total assets | 51.7517% | 4,769 |
| Net loans and leases to deposits | 57.8512% | 5,055 |
| Net loans and leases to core deposits | 58.7859% | 5,216 |
| Total domestic deposits to total assets | 89.4566% | 1,115 |
| Equity capital to assets | 8.9922% | 5,311 |
| Core capital (leverage) ratio | 8.5828% | 5,545 |
| Tier 1 risk-based capital ratio | 14.5250% | 3,912 |
| Total risk-based capital ratio | 15.1458% | 4,273 |
| Memoranda: | ||
| Average total assets | $626,710,330 | 1,077 |
| Average earning assets | $596,273,330 | 1,037 |
| Average equity | $54,946,670 | 1,320 |
| Average total loans | $315,967,000 | 1,375 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6599% | 6,492 |
| Cost of funding earning assets | 0.2096% | 5,922 |
| Net interest margin | 2.4502% | 6,372 |
| Noninterest income to average assets | 1.3959% | 594 |
| Noninterest expense to average assets | 2.9660% | 3,001 |
| Loan and lease loss provision to assets | 0.1156% | 2,030 |
| Net operating income to assets | 0.4588% | 4,901 |
| Return on assets (ROA) | 0.7078% | 3,725 |
| Pretax return on assets | 0.9969% | 3,328 |
| Return on Equity (ROE) | 8.1766% | 2,854 |
| Retained earnings to average equity (ytd only) | 5.2407% | 2,972 |
| Net charge-offs to loans | 0.0320% | 2,951 |
| Credit loss provision to net charge-offs | 728.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 47.9600% | 778 |
| Efficiency ratio | 75.6434% | 2,853 |
| Assets per employee ($millions) | 4.5179% | 2,946 |
| Cash dividends to net income (ytd only)* | 35.9066% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6752% | 6,311 |
| Loan loss allowance to noncurrent loans | 354.7579% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 5,976 |
| Noncurrent loans to loans | 0.1903% | 5,522 |
| Net loans and leases to total assets | 47.7179% | 5,165 |
| Net loans and leases to deposits | 58.1263% | 4,924 |
| Net loans and leases to core deposits | 59.0400% | 5,121 |
| Total domestic deposits to total assets | 82.0935% | 4,913 |
| Equity capital to assets | 8.3849% | 5,757 |
| Core capital (leverage) ratio | 8.0224% | 6,100 |
| Tier 1 risk-based capital ratio | 15.5948% | 3,382 |
| Total risk-based capital ratio | 16.2279% | 3,674 |
| Memoranda: | ||
| Average total assets | $629,539,500 | 1,079 |
| Average earning assets | $599,125,500 | 1,048 |
| Average equity | $54,497,000 | 1,330 |
| Average total loans | $312,114,000 | 1,392 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9413% | 6,394 |
| Cost of funding earning assets | 0.2259% | 6,140 |
| Net interest margin | 2.7154% | 6,119 |
| Noninterest income to average assets | 1.1065% | 1,146 |
| Noninterest expense to average assets | 3.1150% | 2,689 |
| Loan and lease loss provision to assets | 0.1622% | 2,252 |
| Net operating income to assets | 0.3707% | 5,258 |
| Return on assets (ROA) | 0.2008% | 5,886 |
| Pretax return on assets | 0.2395% | 5,865 |
| Return on Equity (ROE) | 2.2333% | 5,756 |
| Retained earnings to average equity (ytd only) | 1.5786% | 5,097 |
| Net charge-offs to loans | 0.0349% | 4,747 |
| Credit loss provision to net charge-offs | 949.5146% | 271 |
| Earnings coverage of net charge-offs (x) | 33.3204% | 1,084 |
| Efficiency ratio | 79.5318% | 2,230 |
| Assets per employee ($millions) | 4.1654% | 3,512 |
| Cash dividends to net income (ytd only)* | 29.3146% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6358% | 6,434 |
| Loan loss allowance to noncurrent loans | 325.8278% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 6,025 |
| Noncurrent loans to loans | 0.1951% | 5,605 |
| Net loans and leases to total assets | 50.9181% | 4,976 |
| Net loans and leases to deposits | 59.0806% | 5,027 |
| Net loans and leases to core deposits | 60.2192% | 5,207 |
| Total domestic deposits to total assets | 86.1841% | 3,164 |
| Equity capital to assets | 8.9514% | 5,098 |
| Core capital (leverage) ratio | 8.5452% | 5,614 |
| Tier 1 risk-based capital ratio | 15.3826% | 3,442 |
| Total risk-based capital ratio | 15.9718% | 3,768 |
| Memoranda: | ||
| Average total assets | $602,992,600 | 1,103 |
| Average earning assets | $572,401,400 | 1,063 |
| Average equity | $54,223,800 | 1,315 |
| Average total loans | $294,746,400 | 1,434 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8626% | 6,521 |
| Cost of funding earning assets | 0.2283% | 6,239 |
| Net interest margin | 2.6343% | 6,270 |
| Noninterest income to average assets | 1.0571% | 1,310 |
| Noninterest expense to average assets | 3.0913% | 2,685 |
| Loan and lease loss provision to assets | 0.1575% | 2,292 |
| Net operating income to assets | 0.3052% | 5,598 |
| Return on assets (ROA) | 0.3404% | 5,592 |
| Pretax return on assets | 0.3451% | 5,759 |
| Return on Equity (ROE) | 3.7815% | 5,310 |
| Retained earnings to average equity (ytd only) | 2.9092% | 4,586 |
| Net charge-offs to loans | 0.0224% | 4,678 |
| Credit loss provision to net charge-offs | 1,453.0612% | 222 |
| Earnings coverage of net charge-offs (x) | 43.0828% | 956 |
| Efficiency ratio | 81.3751% | 1,919 |
| Assets per employee ($millions) | 4.1250% | 3,592 |
| Cash dividends to net income (ytd only)* | 23.0668% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5668% | 6,600 |
| Loan loss allowance to noncurrent loans | 188.6144% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 5,954 |
| Noncurrent loans to loans | 0.3005% | 5,481 |
| Net loans and leases to total assets | 50.4546% | 5,086 |
| Net loans and leases to deposits | 60.7129% | 4,902 |
| Net loans and leases to core deposits | 62.0588% | 5,111 |
| Total domestic deposits to total assets | 83.1036% | 4,538 |
| Equity capital to assets | 8.7240% | 5,493 |
| Core capital (leverage) ratio | 8.4555% | 5,808 |
| Tier 1 risk-based capital ratio | 15.1978% | 3,631 |
| Total risk-based capital ratio | 15.7163% | 4,052 |
| Memoranda: | ||
| Average total assets | $602,744,000 | 1,112 |
| Average earning assets | $572,288,250 | 1,072 |
| Average equity | $54,263,500 | 1,322 |
| Average total loans | $291,056,250 | 1,457 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8629% | 6,567 |
| Cost of funding earning assets | 0.2347% | 6,273 |
| Net interest margin | 2.6282% | 6,300 |
| Noninterest income to average assets | 1.0960% | 1,264 |
| Noninterest expense to average assets | 3.1078% | 2,638 |
| Loan and lease loss provision to assets | 0.1453% | 2,524 |
| Net operating income to assets | 0.3232% | 5,507 |
| Return on assets (ROA) | 0.3676% | 5,512 |
| Pretax return on assets | 0.3859% | 5,667 |
| Return on Equity (ROE) | 4.0404% | 5,201 |
| Retained earnings to average equity (ytd only) | 2.7400% | 4,569 |
| Net charge-offs to loans | 0.0105% | 4,666 |
| Credit loss provision to net charge-offs | 2,906.6667% | 116 |
| Earnings coverage of net charge-offs (x) | 96.9333% | 481 |
| Efficiency ratio | 81.0390% | 2,021 |
| Assets per employee ($millions) | 4.0368% | 3,717 |
| Cash dividends to net income (ytd only)* | 32.1850% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5162% | 6,693 |
| Loan loss allowance to noncurrent loans | 213.2394% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 6,116 |
| Noncurrent loans to loans | 0.2421% | 5,698 |
| Net loans and leases to total assets | 47.5511% | 5,370 |
| Net loans and leases to deposits | 53.8139% | 5,538 |
| Net loans and leases to core deposits | 54.9292% | 5,678 |
| Total domestic deposits to total assets | 88.3622% | 2,005 |
| Equity capital to assets | 8.7396% | 5,500 |
| Core capital (leverage) ratio | 8.3050% | 5,885 |
| Tier 1 risk-based capital ratio | 14.6707% | 3,984 |
| Total risk-based capital ratio | 15.1087% | 4,491 |
| Memoranda: | ||
| Average total assets | $600,157,670 | 1,117 |
| Average earning assets | $570,041,670 | 1,071 |
| Average equity | $54,598,000 | 1,320 |
| Average total loans | $284,814,000 | 1,491 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8486% | 6,653 |
| Cost of funding earning assets | 0.2575% | 6,236 |
| Net interest margin | 2.5910% | 6,386 |
| Noninterest income to average assets | 1.2079% | 1,043 |
| Noninterest expense to average assets | 3.1430% | 2,534 |
| Loan and lease loss provision to assets | 0.1260% | 2,656 |
| Net operating income to assets | 0.3599% | 5,308 |
| Return on assets (ROA) | 0.3599% | 5,446 |
| Pretax return on assets | 0.4004% | 5,557 |
| Return on Equity (ROE) | 3.8777% | 5,161 |
| Retained earnings to average equity (ytd only) | 1.2998% | 5,329 |
| Net charge-offs to loans | 0.0499% | 3,329 |
| Credit loss provision to net charge-offs | 534.2857% | 505 |
| Earnings coverage of net charge-offs (x) | 22.3143% | 1,141 |
| Efficiency ratio | 80.2351% | 2,296 |
| Assets per employee ($millions) | 4.1658% | 3,597 |
| Cash dividends to net income (ytd only)* | 66.4794% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4480% | 6,829 |
| Loan loss allowance to noncurrent loans | 28.8863% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 0.7395% | 4,521 |
| Noncurrent loans to loans | 1.5509% | 3,220 |
| Net loans and leases to total assets | 46.4425% | 5,390 |
| Net loans and leases to deposits | 52.6682% | 5,558 |
| Net loans and leases to core deposits | 53.8226% | 5,680 |
| Total domestic deposits to total assets | 88.1793% | 2,209 |
| Equity capital to assets | 9.2393% | 5,210 |
| Core capital (leverage) ratio | 8.4433% | 5,651 |
| Tier 1 risk-based capital ratio | 14.9077% | 3,909 |
| Total risk-based capital ratio | 15.2799% | 4,446 |
| Memoranda: | ||
| Average total assets | $593,442,500 | 1,138 |
| Average earning assets | $563,792,500 | 1,096 |
| Average equity | $55,084,500 | 1,321 |
| Average total loans | $280,580,000 | 1,518 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3056% | 6,575 |
| Cost of funding earning assets | 0.4649% | 5,457 |
| Net interest margin | 2.8408% | 6,333 |
| Noninterest income to average assets | 1.7184% | 551 |
| Noninterest expense to average assets | 2.8703% | 3,762 |
| Loan and lease loss provision to assets | 0.1031% | 4,354 |
| Net operating income to assets | 1.1812% | 1,657 |
| Return on assets (ROA) | 1.7547% | 618 |
| Pretax return on assets | 2.2154% | 396 |
| Return on Equity (ROE) | 19.2007% | 345 |
| Retained earnings to average equity (ytd only) | 7.8703% | 1,166 |
| Net charge-offs to loans | 0.0576% | 5,120 |
| Credit loss provision to net charge-offs | 385.9756% | 626 |
| Earnings coverage of net charge-offs (x) | 59.6098% | 602 |
| Efficiency ratio | 64.3147% | 4,829 |
| Assets per employee ($millions) | 3.8141% | 4,338 |
| Cash dividends to net income (ytd only)* | 59.0103% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3859% | 6,906 |
| Loan loss allowance to noncurrent loans | 24.5397% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 4,538 |
| Noncurrent loans to loans | 1.5724% | 3,262 |
| Net loans and leases to total assets | 47.7286% | 5,439 |
| Net loans and leases to deposits | 53.6082% | 5,684 |
| Net loans and leases to core deposits | 54.7754% | 5,818 |
| Total domestic deposits to total assets | 89.0322% | 1,544 |
| Equity capital to assets | 9.3254% | 5,117 |
| Core capital (leverage) ratio | 8.4360% | 5,710 |
| Tier 1 risk-based capital ratio | 15.6885% | 3,324 |
| Total risk-based capital ratio | 16.0357% | 3,796 |
| Memoranda: | ||
| Average total assets | $613,837,200 | 1,083 |
| Average earning assets | $593,046,400 | 1,020 |
| Average equity | $56,096,800 | 1,269 |
| Average total loans | $284,573,000 | 1,468 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3091% | 6,721 |
| Cost of funding earning assets | 0.4777% | 5,583 |
| Net interest margin | 2.8314% | 6,461 |
| Noninterest income to average assets | 1.0197% | 1,456 |
| Noninterest expense to average assets | 2.8289% | 3,878 |
| Loan and lease loss provision to assets | 0.1042% | 4,270 |
| Net operating income to assets | 0.6029% | 4,380 |
| Return on assets (ROA) | 0.6074% | 4,617 |
| Pretax return on assets | 0.8383% | 4,343 |
| Return on Equity (ROE) | 6.6785% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.6785% | 2,290 |
| Net charge-offs to loans | 0.0716% | 4,695 |
| Credit loss provision to net charge-offs | 316.3399% | 843 |
| Earnings coverage of net charge-offs (x) | 28.4321% | 1,146 |
| Efficiency ratio | 75.1343% | 2,804 |
| Assets per employee ($millions) | 4.6950% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 6,416 |
| Loan loss allowance to noncurrent loans | 60.6565% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7600% | 4,800 |
| Noncurrent loans to loans | 1.4622% | 3,604 |
| Net loans and leases to total assets | 47.6755% | 5,590 |
| Net loans and leases to deposits | 57.5446% | 5,476 |
| Net loans and leases to core deposits | 58.8827% | 5,670 |
| Total domestic deposits to total assets | 82.8497% | 4,706 |
| Equity capital to assets | 9.4440% | 5,271 |
| Core capital (leverage) ratio | 8.7257% | 5,435 |
| Tier 1 risk-based capital ratio | 16.6397% | 2,924 |
| Total risk-based capital ratio | 17.4650% | 3,124 |
| Memoranda: | ||
| Average total assets | $619,502,000 | 1,075 |
| Average earning assets | $600,673,250 | 1,007 |
| Average equity | $56,338,500 | 1,268 |
| Average total loans | $284,902,750 | 1,478 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3137% | 6,805 |
| Cost of funding earning assets | 0.4970% | 5,641 |
| Net interest margin | 2.8167% | 6,547 |
| Noninterest income to average assets | 1.0106% | 1,441 |
| Noninterest expense to average assets | 2.8078% | 3,991 |
| Loan and lease loss provision to assets | 0.1205% | 4,022 |
| Net operating income to assets | 0.5929% | 4,401 |
| Return on assets (ROA) | 0.5929% | 4,657 |
| Pretax return on assets | 0.8110% | 4,439 |
| Return on Equity (ROE) | 6.6037% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.6037% | 2,328 |
| Net charge-offs to loans | 0.1038% | 4,133 |
| Credit loss provision to net charge-offs | 256.1644% | 1,118 |
| Earnings coverage of net charge-offs (x) | 19.8082% | 1,414 |
| Efficiency ratio | 75.0904% | 2,882 |
| Assets per employee ($millions) | 4.6366% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 6,528 |
| Loan loss allowance to noncurrent loans | 58.8606% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 4,886 |
| Noncurrent loans to loans | 1.4791% | 3,694 |
| Net loans and leases to total assets | 47.2581% | 5,685 |
| Net loans and leases to deposits | 55.0701% | 5,762 |
| Net loans and leases to core deposits | 56.3164% | 5,917 |
| Total domestic deposits to total assets | 85.8144% | 3,444 |
| Equity capital to assets | 9.3011% | 5,314 |
| Core capital (leverage) ratio | 8.6588% | 5,437 |
| Tier 1 risk-based capital ratio | 16.4870% | 2,924 |
| Total risk-based capital ratio | 17.2871% | 3,113 |
| Memoranda: | ||
| Average total assets | $620,989,670 | 1,069 |
| Average earning assets | $601,561,670 | 1,004 |
| Average equity | $55,756,670 | 1,277 |
| Average total loans | $281,254,670 | 1,495 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2931% | 6,896 |
| Cost of funding earning assets | 0.5182% | 5,696 |
| Net interest margin | 2.7748% | 6,671 |
| Noninterest income to average assets | 1.0921% | 1,201 |
| Noninterest expense to average assets | 2.7385% | 4,286 |
| Loan and lease loss provision to assets | 0.1032% | 4,044 |
| Net operating income to assets | 0.6575% | 4,093 |
| Return on assets (ROA) | 0.6575% | 4,303 |
| Pretax return on assets | 0.9354% | 3,914 |
| Return on Equity (ROE) | 7.4529% | 3,527 |
| Retained earnings to average equity (ytd only) | 7.4529% | 2,199 |
| Net charge-offs to loans | 0.1588% | 3,143 |
| Credit loss provision to net charge-offs | 147.2727% | 1,693 |
| Earnings coverage of net charge-offs (x) | 14.8182% | 1,451 |
| Efficiency ratio | 72.5034% | 3,340 |
| Assets per employee ($millions) | 4.8709% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 6,638 |
| Loan loss allowance to noncurrent loans | 55.1375% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 0.7532% | 5,047 |
| Noncurrent loans to loans | 1.5453% | 3,797 |
| Net loans and leases to total assets | 43.7658% | 6,035 |
| Net loans and leases to deposits | 51.4223% | 6,036 |
| Net loans and leases to core deposits | 52.5630% | 6,161 |
| Total domestic deposits to total assets | 85.1106% | 3,982 |
| Equity capital to assets | 8.9456% | 5,578 |
| Core capital (leverage) ratio | 8.2939% | 5,884 |
| Tier 1 risk-based capital ratio | 17.4872% | 2,482 |
| Total risk-based capital ratio | 18.2894% | 2,630 |
| Memoranda: | ||
| Average total assets | $627,785,000 | 1,056 |
| Average earning assets | $607,458,500 | 991 |
| Average equity | $55,387,500 | 1,282 |
| Average total loans | $277,099,000 | 1,523 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4381% | 7,027 |
| Cost of funding earning assets | 1.0777% | 2,819 |
| Net interest margin | 2.3604% | 7,117 |
| Noninterest income to average assets | 0.8367% | 1,901 |
| Noninterest expense to average assets | 4.4434% | 614 |
| Loan and lease loss provision to assets | 0.0801% | 5,614 |
| Net operating income to assets | -0.9111% | 6,703 |
| Return on assets (ROA) | 0.0368% | 6,092 |
| Pretax return on assets | 0.0902% | 5,983 |
| Return on Equity (ROE) | 0.4197% | 6,078 |
| Retained earnings to average equity (ytd only) | -27.3894% | 7,063 |
| Net charge-offs to loans | 0.1263% | 5,132 |
| Credit loss provision to net charge-offs | 174.0113% | 1,515 |
| Earnings coverage of net charge-offs (x) | -28.4802% | 6,419 |
| Efficiency ratio | 141.8392% | 168 |
| Assets per employee ($millions) | 4.7526% | 2,511 |
| Cash dividends to net income (ytd only)* | 6,625.7951% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 6,698 |
| Loan loss allowance to noncurrent loans | 285.5542% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 6,465 |
| Noncurrent loans to loans | 0.2878% | 6,147 |
| Net loans and leases to total assets | 43.7736% | 6,228 |
| Net loans and leases to deposits | 50.9726% | 6,293 |
| Net loans and leases to core deposits | 52.1086% | 6,422 |
| Total domestic deposits to total assets | 85.8768% | 3,380 |
| Equity capital to assets | 8.7014% | 5,898 |
| Core capital (leverage) ratio | 8.0241% | 6,239 |
| Tier 1 risk-based capital ratio | 19.3858% | 1,799 |
| Total risk-based capital ratio | 20.0855% | 1,907 |
| Memoranda: | ||
| Average total assets | $769,200,200 | 855 |
| Average earning assets | $748,228,200 | 791 |
| Average equity | $67,427,600 | 995 |
| Average total loans | $280,280,600 | 1,519 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4960% | 7,083 |
| Cost of funding earning assets | 1.2227% | 2,169 |
| Net interest margin | 2.2732% | 7,227 |
| Noninterest income to average assets | 0.8042% | 2,037 |
| Noninterest expense to average assets | 4.9547% | 385 |
| Loan and lease loss provision to assets | 0.0740% | 5,525 |
| Net operating income to assets | -2.0120% | 7,139 |
| Return on assets (ROA) | -0.1216% | 6,388 |
| Pretax return on assets | -0.1200% | 6,353 |
| Return on Equity (ROE) | -1.3856% | 6,422 |
| Retained earnings to average equity (ytd only) | -36.8304% | 7,231 |
| Net charge-offs to loans | 0.1079% | 4,924 |
| Credit loss provision to net charge-offs | 196.4758% | 1,491 |
| Earnings coverage of net charge-offs (x) | -51.4051% | 6,169 |
| Efficiency ratio | 164.1542% | 104 |
| Assets per employee ($millions) | 4.6807% | 2,645 |
| Cash dividends to net income (ytd only)* | -2,558.1146% | 7,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 6,818 |
| Loan loss allowance to noncurrent loans | 130.1330% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 6,278 |
| Noncurrent loans to loans | 0.6171% | 5,654 |
| Net loans and leases to total assets | 44.3135% | 6,306 |
| Net loans and leases to deposits | 54.5838% | 6,154 |
| Net loans and leases to core deposits | 57.4749% | 6,169 |
| Total domestic deposits to total assets | 81.1844% | 5,376 |
| Equity capital to assets | 8.6060% | 6,194 |
| Core capital (leverage) ratio | 7.9223% | 6,467 |
| Tier 1 risk-based capital ratio | 20.7861% | 1,500 |
| Total risk-based capital ratio | 21.5088% | 1,594 |
| Memoranda: | ||
| Average total assets | $803,477,000 | 824 |
| Average earning assets | $782,591,500 | 764 |
| Average equity | $70,534,250 | 965 |
| Average total loans | $280,605,000 | 1,530 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4733% | 7,174 |
| Cost of funding earning assets | 1.2881% | 2,016 |
| Net interest margin | 2.1852% | 7,320 |
| Noninterest income to average assets | 0.8279% | 1,901 |
| Noninterest expense to average assets | 3.9342% | 1,137 |
| Loan and lease loss provision to assets | 0.0218% | 6,017 |
| Net operating income to assets | -0.7248% | 6,830 |
| Return on assets (ROA) | 0.5372% | 4,484 |
| Pretax return on assets | 0.7314% | 4,272 |
| Return on Equity (ROE) | 6.0905% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.0905% | 2,367 |
| Net charge-offs to loans | 0.0178% | 5,590 |
| Credit loss provision to net charge-offs | 376.0000% | 802 |
| Earnings coverage of net charge-offs (x) | -168.2400% | 5,870 |
| Efficiency ratio | 132.9753% | 236 |
| Assets per employee ($millions) | 5.9957% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7245% | 6,990 |
| Loan loss allowance to noncurrent loans | 103.4993% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 6,489 |
| Noncurrent loans to loans | 0.7000% | 5,507 |
| Net loans and leases to total assets | 36.0852% | 6,956 |
| Net loans and leases to deposits | 53.5874% | 6,339 |
| Net loans and leases to core deposits | 56.7274% | 6,365 |
| Total domestic deposits to total assets | 67.3389% | 7,223 |
| Equity capital to assets | 9.6131% | 4,644 |
| Core capital (leverage) ratio | 9.0205% | 4,683 |
| Tier 1 risk-based capital ratio | 25.4953% | 851 |
| Total risk-based capital ratio | 26.0316% | 906 |
| Memoranda: | ||
| Average total assets | $862,231,670 | 769 |
| Average earning assets | $840,750,000 | 719 |
| Average equity | $76,053,000 | 887 |
| Average total loans | $280,743,330 | 1,544 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3843% | 7,275 |
| Cost of funding earning assets | 1.2786% | 2,310 |
| Net interest margin | 2.1057% | 7,386 |
| Noninterest income to average assets | 0.8589% | 1,819 |
| Noninterest expense to average assets | 2.0607% | 6,716 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6282% | 3,876 |
| Return on assets (ROA) | 0.6282% | 3,945 |
| Pretax return on assets | 0.8517% | 3,700 |
| Return on Equity (ROE) | 7.4190% | 3,191 |
| Retained earnings to average equity (ytd only) | 7.4190% | 1,978 |
| Net charge-offs to loans | 0.0434% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 63.5000% | 468 |
| Efficiency ratio | 70.7553% | 4,106 |
| Assets per employee ($millions) | 6.8811% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 7,035 |
| Loan loss allowance to noncurrent loans | 102.3006% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 6,611 |
| Noncurrent loans to loans | 0.7150% | 5,580 |
| Net loans and leases to total assets | 29.4526% | 7,244 |
| Net loans and leases to deposits | 46.7259% | 6,807 |
| Net loans and leases to core deposits | 49.4691% | 6,805 |
| Total domestic deposits to total assets | 63.0327% | 7,382 |
| Equity capital to assets | 8.2142% | 6,266 |
| Core capital (leverage) ratio | 7.6903% | 6,567 |
| Tier 1 risk-based capital ratio | 23.7995% | 992 |
| Total risk-based capital ratio | 24.2718% | 1,065 |
| Memoranda: | ||
| Average total assets | $894,636,500 | 751 |
| Average earning assets | $872,491,500 | 695 |
| Average equity | $75,751,000 | 884 |
| Average total loans | $276,189,500 | 1,582 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6819% | 7,313 |
| Cost of funding earning assets | 1.5350% | 2,442 |
| Net interest margin | 2.1469% | 7,412 |
| Noninterest income to average assets | 0.6343% | 3,252 |
| Noninterest expense to average assets | 2.0916% | 6,868 |
| Loan and lease loss provision to assets | 0.0170% | 6,941 |
| Net operating income to assets | 0.6073% | 3,637 |
| Return on assets (ROA) | 0.6275% | 3,712 |
| Pretax return on assets | 0.6349% | 4,213 |
| Return on Equity (ROE) | 7.4757% | 2,906 |
| Retained earnings to average equity (ytd only) | -0.5754% | 5,721 |
| Net charge-offs to loans | 0.0599% | 6,198 |
| Credit loss provision to net charge-offs | 87.7193% | 5,219 |
| Earnings coverage of net charge-offs (x) | 32.5731% | 688 |
| Efficiency ratio | 76.8100% | 2,900 |
| Assets per employee ($millions) | 6.3765% | 1,005 |
| Cash dividends to net income (ytd only)* | 107.6965% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7285% | 7,090 |
| Loan loss allowance to noncurrent loans | 122.0553% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 6,710 |
| Noncurrent loans to loans | 0.5968% | 5,849 |
| Net loans and leases to total assets | 31.9157% | 7,292 |
| Net loans and leases to deposits | 48.2460% | 6,940 |
| Net loans and leases to core deposits | 51.3038% | 6,935 |
| Total domestic deposits to total assets | 66.1519% | 7,387 |
| Equity capital to assets | 8.7362% | 5,532 |
| Core capital (leverage) ratio | 8.0349% | 6,145 |
| Tier 1 risk-based capital ratio | 22.7217% | 1,075 |
| Total risk-based capital ratio | 23.1663% | 1,162 |
| Memoranda: | ||
| Average total assets | $882,062,600 | 765 |
| Average earning assets | $858,161,400 | 704 |
| Average equity | $74,040,000 | 898 |
| Average total loans | $285,600,800 | 1,572 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7106% | 7,442 |
| Cost of funding earning assets | 1.5711% | 2,545 |
| Net interest margin | 2.1395% | 7,540 |
| Noninterest income to average assets | 0.6114% | 3,372 |
| Noninterest expense to average assets | 2.0704% | 6,916 |
| Loan and lease loss provision to assets | 0.0194% | 6,856 |
| Net operating income to assets | 0.6525% | 3,634 |
| Return on assets (ROA) | 0.6572% | 3,781 |
| Pretax return on assets | 0.6072% | 4,574 |
| Return on Equity (ROE) | 7.9082% | 2,951 |
| Retained earnings to average equity (ytd only) | -2.8890% | 6,334 |
| Net charge-offs to loans | 0.0654% | 5,859 |
| Credit loss provision to net charge-offs | 91.4894% | 4,707 |
| Earnings coverage of net charge-offs (x) | 29.3043% | 892 |
| Efficiency ratio | 76.8994% | 2,776 |
| Assets per employee ($millions) | 6.5351% | 947 |
| Cash dividends to net income (ytd only)* | 136.5322% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6837% | 7,222 |
| Loan loss allowance to noncurrent loans | 155.6064% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 6,967 |
| Noncurrent loans to loans | 0.4394% | 6,319 |
| Net loans and leases to total assets | 32.6214% | 7,389 |
| Net loans and leases to deposits | 53.0891% | 6,831 |
| Net loans and leases to core deposits | 58.8161% | 6,682 |
| Total domestic deposits to total assets | 61.4466% | 7,571 |
| Equity capital to assets | 8.7259% | 5,974 |
| Core capital (leverage) ratio | 7.5958% | 6,773 |
| Tier 1 risk-based capital ratio | 20.3015% | 1,485 |
| Total risk-based capital ratio | 20.6850% | 1,628 |
| Memoranda: | ||
| Average total assets | $885,777,250 | 759 |
| Average earning assets | $861,547,250 | 698 |
| Average equity | $73,609,750 | 899 |
| Average total loans | $287,299,750 | 1,571 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 7,489 |
| Cost of funding earning assets | 1.6246% | 2,517 |
| Net interest margin | 2.1668% | 7,595 |
| Noninterest income to average assets | 0.6429% | 3,047 |
| Noninterest expense to average assets | 2.0539% | 7,012 |
| Loan and lease loss provision to assets | 0.0061% | 6,825 |
| Net operating income to assets | 0.8084% | 2,930 |
| Return on assets (ROA) | 0.8155% | 3,045 |
| Pretax return on assets | 0.6957% | 4,254 |
| Return on Equity (ROE) | 9.9854% | 2,111 |
| Retained earnings to average equity (ytd only) | -6.6365% | 6,709 |
| Net charge-offs to loans | 0.0416% | 5,793 |
| Credit loss provision to net charge-offs | 45.7627% | 5,507 |
| Earnings coverage of net charge-offs (x) | 51.7119% | 574 |
| Efficiency ratio | 74.7225% | 3,324 |
| Assets per employee ($millions) | 6.0991% | 1,159 |
| Cash dividends to net income (ytd only)* | 166.4619% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7296% | 7,189 |
| Loan loss allowance to noncurrent loans | 159.3060% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 6,957 |
| Noncurrent loans to loans | 0.4580% | 6,335 |
| Net loans and leases to total assets | 31.7328% | 7,491 |
| Net loans and leases to deposits | 49.0735% | 7,107 |
| Net loans and leases to core deposits | 53.6432% | 7,056 |
| Total domestic deposits to total assets | 64.6638% | 7,568 |
| Equity capital to assets | 8.8105% | 5,732 |
| Core capital (leverage) ratio | 7.8487% | 6,440 |
| Tier 1 risk-based capital ratio | 21.3783% | 1,287 |
| Total risk-based capital ratio | 21.7557% | 1,400 |
| Memoranda: | ||
| Average total assets | $878,243,670 | 767 |
| Average earning assets | $853,526,000 | 704 |
| Average equity | $71,725,000 | 925 |
| Average total loans | $283,611,000 | 1,614 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 7,579 |
| Cost of funding earning assets | 1.6350% | 2,741 |
| Net interest margin | 2.1838% | 7,655 |
| Noninterest income to average assets | 0.6902% | 2,663 |
| Noninterest expense to average assets | 2.0440% | 7,078 |
| Loan and lease loss provision to assets | 0.0122% | 6,494 |
| Net operating income to assets | 0.5533% | 4,122 |
| Return on assets (ROA) | 0.5450% | 4,291 |
| Pretax return on assets | 0.7445% | 4,080 |
| Return on Equity (ROE) | 6.9417% | 3,372 |
| Retained earnings to average equity (ytd only) | -27.3983% | 7,498 |
| Net charge-offs to loans | 0.0502% | 4,902 |
| Credit loss provision to net charge-offs | 75.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | 47.1667% | 598 |
| Efficiency ratio | 72.6878% | 3,812 |
| Assets per employee ($millions) | 6.2698% | 1,098 |
| Cash dividends to net income (ytd only)* | 494.6888% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7349% | 7,280 |
| Loan loss allowance to noncurrent loans | 162.2716% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 7,036 |
| Noncurrent loans to loans | 0.4529% | 6,394 |
| Net loans and leases to total assets | 30.5632% | 7,606 |
| Net loans and leases to deposits | 50.0318% | 7,123 |
| Net loans and leases to core deposits | 56.2466% | 6,980 |
| Total domestic deposits to total assets | 61.0875% | 7,736 |
| Equity capital to assets | 7.5265% | 7,053 |
| Core capital (leverage) ratio | 7.1750% | 7,126 |
| Tier 1 risk-based capital ratio | 20.5364% | 1,422 |
| Total risk-based capital ratio | 20.8998% | 1,561 |
| Memoranda: | ||
| Average total assets | $884,329,000 | 781 |
| Average earning assets | $859,226,000 | 714 |
| Average equity | $69,435,000 | 964 |
| Average total loans | $286,992,000 | 1,647 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2624% | 7,572 |
| Cost of funding earning assets | 1.7815% | 4,094 |
| Net interest margin | 2.4809% | 7,444 |
| Noninterest income to average assets | 0.5929% | 3,681 |
| Noninterest expense to average assets | 2.1291% | 7,125 |
| Loan and lease loss provision to assets | 0.0681% | 6,900 |
| Net operating income to assets | 0.5889% | 3,367 |
| Return on assets (ROA) | 0.6203% | 3,323 |
| Pretax return on assets | 0.8517% | 3,081 |
| Return on Equity (ROE) | 7.7483% | 2,479 |
| Retained earnings to average equity (ytd only) | 7.7483% | 761 |
| Net charge-offs to loans | 0.1108% | 6,047 |
| Credit loss provision to net charge-offs | 178.3784% | 2,341 |
| Earnings coverage of net charge-offs (x) | 22.9610% | 948 |
| Efficiency ratio | 70.8302% | 4,472 |
| Assets per employee ($millions) | 6.0126% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6932% | 7,389 |
| Loan loss allowance to noncurrent loans | 143.5969% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 6,897 |
| Noncurrent loans to loans | 0.4828% | 6,292 |
| Net loans and leases to total assets | 33.9509% | 7,593 |
| Net loans and leases to deposits | 54.3755% | 7,026 |
| Net loans and leases to core deposits | 65.2486% | 7,019 |
| Total domestic deposits to total assets | 62.4378% | 7,747 |
| Equity capital to assets | 8.1908% | 6,354 |
| Core capital (leverage) ratio | 8.0352% | 6,108 |
| Tier 1 risk-based capital ratio | 21.6023% | 1,201 |
| Total risk-based capital ratio | 21.9280% | 1,316 |
| Memoranda: | ||
| Average total assets | $871,995,200 | 777 |
| Average earning assets | $848,160,000 | 714 |
| Average equity | $69,808,600 | 933 |
| Average total loans | $300,545,600 | 1,595 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3238% | 7,658 |
| Cost of funding earning assets | 1.7959% | 4,402 |
| Net interest margin | 2.5279% | 7,431 |
| Noninterest income to average assets | 0.5971% | 3,736 |
| Noninterest expense to average assets | 2.1460% | 7,103 |
| Loan and lease loss provision to assets | 0.0644% | 6,712 |
| Net operating income to assets | 0.6133% | 3,562 |
| Return on assets (ROA) | 0.6537% | 3,450 |
| Pretax return on assets | 0.9016% | 3,223 |
| Return on Equity (ROE) | 8.2129% | 2,553 |
| Retained earnings to average equity (ytd only) | 8.2129% | 1,077 |
| Net charge-offs to loans | 0.0636% | 6,062 |
| Credit loss provision to net charge-offs | 293.0556% | 1,418 |
| Earnings coverage of net charge-offs (x) | 41.4295% | 730 |
| Efficiency ratio | 70.2087% | 4,550 |
| Assets per employee ($millions) | 5.8491% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7395% | 7,289 |
| Loan loss allowance to noncurrent loans | 145.3765% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 7,046 |
| Noncurrent loans to loans | 0.5087% | 6,289 |
| Net loans and leases to total assets | 34.3610% | 7,678 |
| Net loans and leases to deposits | 57.6450% | 6,989 |
| Net loans and leases to core deposits | 69.9115% | 6,970 |
| Total domestic deposits to total assets | 59.6079% | 7,885 |
| Equity capital to assets | 8.4612% | 6,297 |
| Core capital (leverage) ratio | 8.0010% | 6,352 |
| Tier 1 risk-based capital ratio | 20.7619% | 1,406 |
| Total risk-based capital ratio | 21.1043% | 1,547 |
| Memoranda: | ||
| Average total assets | $873,541,500 | 784 |
| Average earning assets | $849,900,750 | 725 |
| Average equity | $69,531,500 | 950 |
| Average total loans | $301,681,500 | 1,607 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3771% | 7,731 |
| Cost of funding earning assets | 1.8030% | 4,742 |
| Net interest margin | 2.5741% | 7,386 |
| Noninterest income to average assets | 0.5976% | 3,717 |
| Noninterest expense to average assets | 2.1416% | 7,189 |
| Loan and lease loss provision to assets | 0.0845% | 6,331 |
| Net operating income to assets | 0.6318% | 3,544 |
| Return on assets (ROA) | 0.6851% | 3,431 |
| Pretax return on assets | 0.9491% | 3,180 |
| Return on Equity (ROE) | 8.7878% | 2,432 |
| Retained earnings to average equity (ytd only) | 8.7878% | 988 |
| Net charge-offs to loans | 0.1168% | 4,992 |
| Credit loss provision to net charge-offs | 209.6045% | 2,184 |
| Earnings coverage of net charge-offs (x) | 23.8023% | 1,176 |
| Efficiency ratio | 69.0585% | 4,972 |
| Assets per employee ($millions) | 6.1209% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7160% | 7,380 |
| Loan loss allowance to noncurrent loans | 148.7702% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 7,078 |
| Noncurrent loans to loans | 0.4813% | 6,323 |
| Net loans and leases to total assets | 32.4031% | 7,825 |
| Net loans and leases to deposits | 54.0212% | 7,270 |
| Net loans and leases to core deposits | 63.7698% | 7,309 |
| Total domestic deposits to total assets | 59.9822% | 7,932 |
| Equity capital to assets | 7.6672% | 7,118 |
| Core capital (leverage) ratio | 7.4159% | 7,120 |
| Tier 1 risk-based capital ratio | 20.3909% | 1,507 |
| Total risk-based capital ratio | 20.6867% | 1,651 |
| Memoranda: | ||
| Average total assets | $878,117,000 | 800 |
| Average earning assets | $854,037,330 | 742 |
| Average equity | $68,458,330 | 979 |
| Average total loans | $303,028,000 | 1,635 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5616% | 7,656 |
| Cost of funding earning assets | 1.8583% | 4,834 |
| Net interest margin | 2.7033% | 7,200 |
| Noninterest income to average assets | 0.6498% | 3,200 |
| Noninterest expense to average assets | 1.9698% | 7,413 |
| Loan and lease loss provision to assets | 0.0486% | 6,364 |
| Net operating income to assets | 0.8854% | 2,758 |
| Return on assets (ROA) | 0.9252% | 2,730 |
| Pretax return on assets | 1.3168% | 2,223 |
| Return on Equity (ROE) | 11.7658% | 1,737 |
| Retained earnings to average equity (ytd only) | 11.7658% | 832 |
| Net charge-offs to loans | 0.0196% | 5,292 |
| Credit loss provision to net charge-offs | 700.0000% | 846 |
| Earnings coverage of net charge-offs (x) | 188.4667% | 227 |
| Efficiency ratio | 60.0875% | 6,393 |
| Assets per employee ($millions) | 6.0055% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7123% | 7,406 |
| Loan loss allowance to noncurrent loans | 130.9799% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 6,809 |
| Noncurrent loans to loans | 0.5439% | 6,054 |
| Net loans and leases to total assets | 34.4453% | 7,792 |
| Net loans and leases to deposits | 56.6166% | 7,120 |
| Net loans and leases to core deposits | 67.3778% | 7,171 |
| Total domestic deposits to total assets | 60.8396% | 7,950 |
| Equity capital to assets | 7.9736% | 6,853 |
| Core capital (leverage) ratio | 7.6105% | 7,012 |
| Tier 1 risk-based capital ratio | 19.7100% | 1,674 |
| Total risk-based capital ratio | 19.9902% | 1,822 |
| Memoranda: | ||
| Average total assets | $864,232,500 | 813 |
| Average earning assets | $840,315,500 | 754 |
| Average equity | $67,959,500 | 988 |
| Average total loans | $306,716,000 | 1,630 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9356% | 7,877 |
| Cost of funding earning assets | 2.3301% | 5,009 |
| Net interest margin | 2.6055% | 7,639 |
| Noninterest income to average assets | 0.6397% | 3,553 |
| Noninterest expense to average assets | 2.1382% | 7,140 |
| Loan and lease loss provision to assets | 0.1171% | 5,876 |
| Net operating income to assets | 0.6142% | 4,244 |
| Return on assets (ROA) | 0.6045% | 4,143 |
| Pretax return on assets | 0.8182% | 4,001 |
| Return on Equity (ROE) | 7.9677% | 3,088 |
| Retained earnings to average equity (ytd only) | 2.5856% | 3,582 |
| Net charge-offs to loans | 0.1199% | 5,051 |
| Credit loss provision to net charge-offs | 246.4286% | 1,891 |
| Earnings coverage of net charge-offs (x) | 19.9566% | 1,598 |
| Efficiency ratio | 69.1202% | 4,503 |
| Assets per employee ($millions) | 5.8345% | 1,244 |
| Cash dividends to net income (ytd only)* | 67.5491% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6957% | 7,438 |
| Loan loss allowance to noncurrent loans | 206.0894% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 6,825 |
| Noncurrent loans to loans | 0.3376% | 6,364 |
| Net loans and leases to total assets | 36.0472% | 7,830 |
| Net loans and leases to deposits | 59.6209% | 7,121 |
| Net loans and leases to core deposits | 70.1058% | 7,181 |
| Total domestic deposits to total assets | 60.4606% | 7,947 |
| Equity capital to assets | 7.7518% | 7,153 |
| Core capital (leverage) ratio | 7.4730% | 7,237 |
| Tier 1 risk-based capital ratio | 18.9368% | 1,824 |
| Total risk-based capital ratio | 19.2000% | 1,996 |
| Memoranda: | ||
| Average total assets | $824,854,400 | 825 |
| Average earning assets | $774,635,000 | 800 |
| Average equity | $62,577,800 | 1,076 |
| Average total loans | $327,004,800 | 1,490 |