Home > Hometown Bank > Performance and Condition Ratios
Hometown Bank, Performance and Condition Ratios
| 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 | 3.8523% | 2,123 |
| Cost of funding earning assets | 0.2024% | 3,741 |
| Net interest margin | 3.6499% | 1,492 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 2.1959% | 3,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5350% | 803 |
| Return on assets (ROA) | 1.5350% | 778 |
| Pretax return on assets | 2.0886% | 386 |
| Return on Equity (ROE) | 12.5700% | 1,943 |
| Retained earnings to average equity (ytd only) | 9.1194% | 1,451 |
| Net charge-offs to loans | 0.0404% | 1,295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 79.2663% | 1,090 |
| Efficiency ratio | 49.4578% | 4,158 |
| Assets per employee ($millions) | 7.6939% | 1,489 |
| Cash dividends to net income (ytd only)* | 27.4251% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 614 |
| Loan loss allowance to noncurrent loans | 263.2338% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 1,143 |
| Noncurrent loans to loans | 0.6978% | 1,073 |
| Net loans and leases to total assets | 62.6600% | 2,365 |
| Net loans and leases to deposits | 72.6226% | 2,361 |
| Net loans and leases to core deposits | 73.3646% | 2,621 |
| Total domestic deposits to total assets | 86.2800% | 2,647 |
| Equity capital to assets | 12.3391% | 837 |
| Core capital (leverage) ratio | 12.2333% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8897% | 732 |
| Memoranda: | ||
| Average total assets | $641,378,200 | 1,403 |
| Average earning assets | $596,420,400 | 1,394 |
| Average equity | $78,349,600 | 1,150 |
| Average total loans | $417,920,200 | 1,343 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6172% | 2,297 |
| Cost of funding earning assets | 0.1196% | 4,130 |
| Net interest margin | 3.4976% | 1,671 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 2.1626% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3865% | 1,125 |
| Return on assets (ROA) | 1.3865% | 1,097 |
| Pretax return on assets | 1.8816% | 611 |
| Return on Equity (ROE) | 11.3800% | 2,245 |
| Retained earnings to average equity (ytd only) | 6.7502% | 2,463 |
| Net charge-offs to loans | -0.0405% | 4,248 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.4593% | 4,047 |
| Assets per employee ($millions) | 6.9340% | 1,995 |
| Cash dividends to net income (ytd only)* | 40.6810% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8772% | 628 |
| Loan loss allowance to noncurrent loans | 2,413.3333% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,351 |
| Noncurrent loans to loans | 0.0778% | 3,319 |
| Net loans and leases to total assets | 66.7100% | 1,816 |
| Net loans and leases to deposits | 77.4836% | 1,761 |
| Net loans and leases to core deposits | 78.0282% | 2,039 |
| Total domestic deposits to total assets | 86.0900% | 3,048 |
| Equity capital to assets | 12.4018% | 797 |
| Core capital (leverage) ratio | 12.0204% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2018% | 832 |
| Memoranda: | ||
| Average total assets | $638,227,750 | 1,411 |
| Average earning assets | $594,072,250 | 1,406 |
| Average equity | $77,763,250 | 1,169 |
| Average total loans | $418,034,750 | 1,336 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3544% | 2,558 |
| Cost of funding earning assets | 0.0841% | 4,332 |
| Net interest margin | 3.2703% | 1,993 |
| Noninterest income to average assets | 0.7879% | 1,077 |
| Noninterest expense to average assets | 2.1834% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2175% | 1,376 |
| Return on assets (ROA) | 1.2175% | 1,363 |
| Pretax return on assets | 1.6524% | 844 |
| Return on Equity (ROE) | 10.0506% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.7168% | 1,096 |
| Net charge-offs to loans | -0.0038% | 3,265 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7076% | 3,894 |
| Assets per employee ($millions) | 6.4571% | 2,342 |
| Cash dividends to net income (ytd only)* | 3.3214% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8680% | 713 |
| Loan loss allowance to noncurrent loans | 711.8875% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 2,476 |
| Noncurrent loans to loans | 0.2624% | 2,426 |
| Net loans and leases to total assets | 65.7988% | 1,723 |
| Net loans and leases to deposits | 76.4579% | 1,651 |
| Net loans and leases to core deposits | 76.8683% | 1,935 |
| Total domestic deposits to total assets | 86.0589% | 3,227 |
| Equity capital to assets | 12.4986% | 761 |
| Core capital (leverage) ratio | 11.6917% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2977% | 811 |
| Memoranda: | ||
| Average total assets | $642,949,667 | 1,400 |
| Average earning assets | $599,218,000 | 1,407 |
| Average equity | $77,886,000 | 1,197 |
| Average total loans | $415,964,000 | 1,335 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0401% | 3,137 |
| Cost of funding earning assets | 0.0789% | 4,370 |
| Net interest margin | 2.9612% | 2,634 |
| Noninterest income to average assets | 0.7942% | 1,058 |
| Noninterest expense to average assets | 2.1405% | 3,008 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0472% | 1,704 |
| Return on assets (ROA) | 1.0472% | 1,695 |
| Pretax return on assets | 1.4206% | 1,199 |
| Return on Equity (ROE) | 8.7788% | 2,400 |
| Retained earnings to average equity (ytd only) | 8.5213% | 1,417 |
| Net charge-offs to loans | -0.0048% | 3,330 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6406% | 3,721 |
| Assets per employee ($millions) | 6.7170% | 2,209 |
| Cash dividends to net income (ytd only)* | 2.9326% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 736 |
| Loan loss allowance to noncurrent loans | 541.2008% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 2,300 |
| Noncurrent loans to loans | 0.3520% | 2,223 |
| Net loans and leases to total assets | 62.6277% | 1,783 |
| Net loans and leases to deposits | 72.8906% | 1,712 |
| Net loans and leases to core deposits | 73.2711% | 1,998 |
| Total domestic deposits to total assets | 85.9201% | 3,284 |
| Equity capital to assets | 12.0044% | 951 |
| Core capital (leverage) ratio | 11.1860% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2326% | 1,013 |
| Memoranda: | ||
| Average total assets | $651,257,000 | 1,386 |
| Average earning assets | $608,530,000 | 1,392 |
| Average equity | $77,687,500 | 1,223 |
| Average total loans | $413,963,000 | 1,335 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5218% | 2,600 |
| Cost of funding earning assets | 0.1159% | 4,267 |
| Net interest margin | 3.4059% | 2,006 |
| Noninterest income to average assets | 1.3307% | 607 |
| Noninterest expense to average assets | 2.2228% | 3,004 |
| Loan and lease loss provision to assets | 0.3027% | 266 |
| Net operating income to assets | 1.4613% | 1,102 |
| Return on assets (ROA) | 1.4613% | 1,168 |
| Pretax return on assets | 1.9875% | 615 |
| Return on Equity (ROE) | 12.0760% | 1,788 |
| Retained earnings to average equity (ytd only) | 5.9335% | 2,391 |
| Net charge-offs to loans | 0.0319% | 1,602 |
| Credit loss provision to net charge-offs | 1,442.4242% | 402 |
| Earnings coverage of net charge-offs (x) | 109.1288% | 836 |
| Efficiency ratio | 46.7554% | 4,467 |
| Assets per employee ($millions) | 6.5769% | 2,263 |
| Cash dividends to net income (ytd only)* | 50.8650% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8828% | 751 |
| Loan loss allowance to noncurrent loans | 525.6204% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 2,420 |
| Noncurrent loans to loans | 0.3582% | 2,302 |
| Net loans and leases to total assets | 62.0974% | 1,928 |
| Net loans and leases to deposits | 72.2513% | 1,887 |
| Net loans and leases to core deposits | 72.6200% | 2,197 |
| Total domestic deposits to total assets | 85.9465% | 2,931 |
| Equity capital to assets | 11.8547% | 1,315 |
| Core capital (leverage) ratio | 11.2024% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1507% | 1,016 |
| Memoranda: | ||
| Average total assets | $628,973,200 | 1,397 |
| Average earning assets | $587,681,200 | 1,398 |
| Average equity | $76,109,600 | 1,259 |
| Average total loans | $414,165,000 | 1,336 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1700% | 3,658 |
| Cost of funding earning assets | 0.1265% | 4,295 |
| Net interest margin | 3.0434% | 3,197 |
| Noninterest income to average assets | 1.5353% | 530 |
| Noninterest expense to average assets | 2.2523% | 2,883 |
| Loan and lease loss provision to assets | 0.3463% | 205 |
| Net operating income to assets | 1.3099% | 1,798 |
| Return on assets (ROA) | 1.3099% | 1,852 |
| Pretax return on assets | 1.7791% | 1,210 |
| Return on Equity (ROE) | 10.7675% | 2,456 |
| Retained earnings to average equity (ytd only) | 5.3564% | 3,085 |
| Net charge-offs to loans | -0.0116% | 3,730 |
| Credit loss provision to net charge-offs | -4,486.1111% | 4,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7461% | 4,316 |
| Assets per employee ($millions) | 6.6441% | 2,142 |
| Cash dividends to net income (ytd only)* | 50.2537% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 735 |
| Loan loss allowance to noncurrent loans | 800.4149% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 3,102 |
| Noncurrent loans to loans | 0.2407% | 2,970 |
| Net loans and leases to total assets | 61.5717% | 2,067 |
| Net loans and leases to deposits | 71.7816% | 2,070 |
| Net loans and leases to core deposits | 72.2261% | 2,408 |
| Total domestic deposits to total assets | 85.7765% | 2,836 |
| Equity capital to assets | 12.0197% | 1,392 |
| Core capital (leverage) ratio | 11.1240% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9749% | 967 |
| Memoranda: | ||
| Average total assets | $621,795,000 | 1,428 |
| Average earning assets | $580,730,000 | 1,430 |
| Average equity | $75,645,250 | 1,285 |
| Average total loans | $413,645,500 | 1,367 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1569% | 3,755 |
| Cost of funding earning assets | 0.1354% | 4,312 |
| Net interest margin | 3.0215% | 3,268 |
| Noninterest income to average assets | 1.6439% | 457 |
| Noninterest expense to average assets | 2.3090% | 2,743 |
| Loan and lease loss provision to assets | 0.3455% | 221 |
| Net operating income to assets | 1.3292% | 1,775 |
| Return on assets (ROA) | 1.3292% | 1,841 |
| Pretax return on assets | 1.8052% | 1,219 |
| Return on Equity (ROE) | 10.8811% | 2,465 |
| Retained earnings to average equity (ytd only) | 8.6502% | 1,836 |
| Net charge-offs to loans | -0.0158% | 3,882 |
| Credit loss provision to net charge-offs | -3,227.2727% | 3,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0033% | 4,322 |
| Assets per employee ($millions) | 6.4952% | 2,172 |
| Cash dividends to net income (ytd only)* | 20.5028% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 913 |
| Loan loss allowance to noncurrent loans | 583.7816% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 2,982 |
| Noncurrent loans to loans | 0.3051% | 2,831 |
| Net loans and leases to total assets | 62.6905% | 2,097 |
| Net loans and leases to deposits | 73.2380% | 2,075 |
| Net loans and leases to core deposits | 73.8638% | 2,422 |
| Total domestic deposits to total assets | 85.5983% | 2,876 |
| Equity capital to assets | 12.2207% | 1,263 |
| Core capital (leverage) ratio | 11.3009% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9740% | 967 |
| Memoranda: | ||
| Average total assets | $616,447,333 | 1,429 |
| Average earning assets | $574,491,000 | 1,434 |
| Average equity | $75,305,000 | 1,280 |
| Average total loans | $418,046,000 | 1,359 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2105% | 3,667 |
| Cost of funding earning assets | 0.1446% | 4,343 |
| Net interest margin | 3.0659% | 3,089 |
| Noninterest income to average assets | 1.7505% | 469 |
| Noninterest expense to average assets | 2.3974% | 2,498 |
| Loan and lease loss provision to assets | 0.4409% | 160 |
| Net operating income to assets | 1.2991% | 1,832 |
| Return on assets (ROA) | 1.2991% | 1,907 |
| Pretax return on assets | 1.7636% | 1,368 |
| Return on Equity (ROE) | 10.6366% | 2,485 |
| Retained earnings to average equity (ytd only) | 7.0642% | 2,556 |
| Net charge-offs to loans | -0.0047% | 3,369 |
| Credit loss provision to net charge-offs | -13,440.0000% | 3,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2871% | 4,245 |
| Assets per employee ($millions) | 6.4067% | 2,250 |
| Cash dividends to net income (ytd only)* | 33.5859% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 1,299 |
| Loan loss allowance to noncurrent loans | 503.5101% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 2,928 |
| Noncurrent loans to loans | 0.3179% | 2,957 |
| Net loans and leases to total assets | 67.3961% | 1,609 |
| Net loans and leases to deposits | 78.6936% | 1,645 |
| Net loans and leases to core deposits | 79.8276% | 2,018 |
| Total domestic deposits to total assets | 85.6437% | 2,875 |
| Equity capital to assets | 12.1901% | 1,207 |
| Core capital (leverage) ratio | 11.2101% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6734% | 971 |
| Memoranda: | ||
| Average total assets | $609,653,500 | 1,431 |
| Average earning assets | $567,011,000 | 1,434 |
| Average equity | $74,460,000 | 1,285 |
| Average total loans | $426,001,500 | 1,344 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0281% | 2,645 |
| Cost of funding earning assets | 0.2944% | 4,178 |
| Net interest margin | 3.7337% | 1,693 |
| Noninterest income to average assets | 1.5161% | 529 |
| Noninterest expense to average assets | 2.6966% | 2,249 |
| Loan and lease loss provision to assets | 0.2579% | 1,507 |
| Net operating income to assets | 1.4828% | 850 |
| Return on assets (ROA) | 1.4828% | 920 |
| Pretax return on assets | 1.9364% | 519 |
| Return on Equity (ROE) | 11.6243% | 1,436 |
| Retained earnings to average equity (ytd only) | 10.3973% | 513 |
| Net charge-offs to loans | -0.0273% | 4,504 |
| Credit loss provision to net charge-offs | -1,221.5517% | 4,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6969% | 4,406 |
| Assets per employee ($millions) | 6.1660% | 2,200 |
| Cash dividends to net income (ytd only)* | 10.5560% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,939 |
| Loan loss allowance to noncurrent loans | 383.1333% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 2,865 |
| Noncurrent loans to loans | 0.3675% | 2,883 |
| Net loans and leases to total assets | 70.2807% | 1,524 |
| Net loans and leases to deposits | 82.3365% | 1,628 |
| Net loans and leases to core deposits | 83.8542% | 2,046 |
| Total domestic deposits to total assets | 85.3580% | 2,629 |
| Equity capital to assets | 12.2373% | 1,459 |
| Core capital (leverage) ratio | 11.5082% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9798% | 1,058 |
| Memoranda: | ||
| Average total assets | $549,434,400 | 1,431 |
| Average earning assets | $496,611,000 | 1,462 |
| Average equity | $70,085,800 | 1,295 |
| Average total loans | $424,944,600 | 1,283 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 2,334 |
| Cost of funding earning assets | 0.3410% | 4,102 |
| Net interest margin | 3.8806% | 1,401 |
| Noninterest income to average assets | 1.3362% | 613 |
| Noninterest expense to average assets | 2.7262% | 2,182 |
| Loan and lease loss provision to assets | 0.1008% | 3,061 |
| Net operating income to assets | 1.4694% | 964 |
| Return on assets (ROA) | 1.4694% | 1,048 |
| Pretax return on assets | 1.9925% | 523 |
| Return on Equity (ROE) | 11.3885% | 1,564 |
| Retained earnings to average equity (ytd only) | 10.0093% | 762 |
| Net charge-offs to loans | -0.0337% | 4,562 |
| Credit loss provision to net charge-offs | -378.5047% | 3,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8841% | 4,264 |
| Assets per employee ($millions) | 5.8212% | 2,426 |
| Cash dividends to net income (ytd only)* | 12.1104% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,078 |
| Loan loss allowance to noncurrent loans | 313.6816% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 2,930 |
| Noncurrent loans to loans | 0.3583% | 3,003 |
| Net loans and leases to total assets | 77.7818% | 859 |
| Net loans and leases to deposits | 91.5399% | 1,113 |
| Net loans and leases to core deposits | 93.0329% | 1,706 |
| Total domestic deposits to total assets | 84.9704% | 2,448 |
| Equity capital to assets | 12.5963% | 1,375 |
| Core capital (leverage) ratio | 11.2514% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4066% | 1,159 |
| Memoranda: | ||
| Average total assets | $535,726,000 | 1,445 |
| Average earning assets | $480,871,250 | 1,477 |
| Average equity | $69,120,750 | 1,298 |
| Average total loans | $423,493,500 | 1,282 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4558% | 2,055 |
| Cost of funding earning assets | 0.4123% | 3,986 |
| Net interest margin | 4.0434% | 1,238 |
| Noninterest income to average assets | 1.2245% | 673 |
| Noninterest expense to average assets | 2.7477% | 2,227 |
| Loan and lease loss provision to assets | 0.0759% | 3,342 |
| Net operating income to assets | 1.4614% | 996 |
| Return on assets (ROA) | 1.4614% | 1,085 |
| Pretax return on assets | 1.9819% | 568 |
| Return on Equity (ROE) | 11.2304% | 1,563 |
| Retained earnings to average equity (ytd only) | 9.9402% | 802 |
| Net charge-offs to loans | -0.0607% | 4,730 |
| Credit loss provision to net charge-offs | -157.9365% | 3,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2952% | 4,252 |
| Assets per employee ($millions) | 5.7023% | 2,445 |
| Cash dividends to net income (ytd only)* | 11.4883% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,274 |
| Loan loss allowance to noncurrent loans | 296.7013% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 3,074 |
| Noncurrent loans to loans | 0.3580% | 3,116 |
| Net loans and leases to total assets | 78.5460% | 779 |
| Net loans and leases to deposits | 92.1882% | 1,138 |
| Net loans and leases to core deposits | 93.7393% | 1,766 |
| Total domestic deposits to total assets | 85.2019% | 2,309 |
| Equity capital to assets | 12.1610% | 1,562 |
| Core capital (leverage) ratio | 11.3104% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2809% | 1,419 |
| Memoranda: | ||
| Average total assets | $524,143,000 | 1,453 |
| Average earning assets | $464,209,000 | 1,499 |
| Average equity | $68,208,000 | 1,300 |
| Average total loans | $415,068,000 | 1,288 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 1,828 |
| Cost of funding earning assets | 0.5503% | 3,691 |
| Net interest margin | 4.1063% | 1,122 |
| Noninterest income to average assets | 0.8558% | 1,153 |
| Noninterest expense to average assets | 2.7761% | 2,496 |
| Loan and lease loss provision to assets | 0.0490% | 3,165 |
| Net operating income to assets | 1.3086% | 1,222 |
| Return on assets (ROA) | 1.3086% | 1,318 |
| Pretax return on assets | 1.7750% | 739 |
| Return on Equity (ROE) | 9.6890% | 1,846 |
| Retained earnings to average equity (ytd only) | 9.6890% | 808 |
| Net charge-offs to loans | -0.1198% | 4,853 |
| Credit loss provision to net charge-offs | -51.6949% | 3,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9686% | 4,212 |
| Assets per employee ($millions) | 5.3254% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 2,719 |
| Loan loss allowance to noncurrent loans | 254.0992% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 2,757 |
| Noncurrent loans to loans | 0.4687% | 2,840 |
| Net loans and leases to total assets | 77.2564% | 1,093 |
| Net loans and leases to deposits | 91.7960% | 1,309 |
| Net loans and leases to core deposits | 94.2266% | 1,952 |
| Total domestic deposits to total assets | 84.1610% | 2,729 |
| Equity capital to assets | 13.4801% | 1,227 |
| Core capital (leverage) ratio | 12.1987% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5782% | 1,725 |
| Memoranda: | ||
| Average total assets | $498,249,000 | 1,472 |
| Average earning assets | $454,328,500 | 1,483 |
| Average equity | $67,292,500 | 1,309 |
| Average total loans | $393,988,000 | 1,309 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0600% | 1,314 |
| Cost of funding earning assets | 0.6632% | 3,340 |
| Net interest margin | 4.3968% | 898 |
| Noninterest income to average assets | 0.7992% | 1,460 |
| Noninterest expense to average assets | 2.7946% | 2,619 |
| Loan and lease loss provision to assets | 0.1160% | 1,820 |
| Net operating income to assets | 1.3885% | 1,379 |
| Return on assets (ROA) | 1.3885% | 1,456 |
| Pretax return on assets | 1.8807% | 777 |
| Return on Equity (ROE) | 10.6498% | 2,023 |
| Retained earnings to average equity (ytd only) | 6.1961% | 1,769 |
| Net charge-offs to loans | 0.0172% | 3,101 |
| Credit loss provision to net charge-offs | 833.8235% | 395 |
| Earnings coverage of net charge-offs (x) | 143.4706% | 511 |
| Efficiency ratio | 53.4601% | 4,477 |
| Assets per employee ($millions) | 5.0547% | 2,515 |
| Cash dividends to net income (ytd only)* | 41.8190% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 2,675 |
| Loan loss allowance to noncurrent loans | 283.9599% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 2,979 |
| Noncurrent loans to loans | 0.4067% | 2,980 |
| Net loans and leases to total assets | 79.1114% | 913 |
| Net loans and leases to deposits | 93.9416% | 1,159 |
| Net loans and leases to core deposits | 96.7845% | 1,830 |
| Total domestic deposits to total assets | 84.2134% | 2,783 |
| Equity capital to assets | 13.5402% | 1,259 |
| Core capital (leverage) ratio | 11.9839% | 1,793 |
| Tier 1 risk-based capital ratio | 13.8287% | 3,351 |
| Total risk-based capital ratio | 14.9410% | 3,320 |
| Memoranda: | ||
| Average total assets | $488,593,600 | 1,455 |
| Average earning assets | $443,617,400 | 1,474 |
| Average equity | $63,701,000 | 1,322 |
| Average total loans | $395,915,000 | 1,276 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0933% | 1,295 |
| Cost of funding earning assets | 0.6727% | 3,341 |
| Net interest margin | 4.4205% | 906 |
| Noninterest income to average assets | 0.8418% | 1,304 |
| Noninterest expense to average assets | 2.8116% | 2,531 |
| Loan and lease loss provision to assets | 0.0461% | 2,978 |
| Net operating income to assets | 1.4714% | 1,271 |
| Return on assets (ROA) | 1.4714% | 1,330 |
| Pretax return on assets | 1.9960% | 692 |
| Return on Equity (ROE) | 11.5118% | 1,803 |
| Retained earnings to average equity (ytd only) | 5.6117% | 2,563 |
| Net charge-offs to loans | 0.0249% | 2,604 |
| Credit loss provision to net charge-offs | 228.3784% | 1,179 |
| Earnings coverage of net charge-offs (x) | 101.0719% | 748 |
| Efficiency ratio | 53.0041% | 4,502 |
| Assets per employee ($millions) | 5.3271% | 2,184 |
| Cash dividends to net income (ytd only)* | 51.2525% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,234 |
| Loan loss allowance to noncurrent loans | 274.4681% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 3,226 |
| Noncurrent loans to loans | 0.3858% | 3,169 |
| Net loans and leases to total assets | 77.0350% | 1,308 |
| Net loans and leases to deposits | 92.8049% | 1,338 |
| Net loans and leases to core deposits | 97.5113% | 1,855 |
| Total domestic deposits to total assets | 83.0075% | 3,166 |
| Equity capital to assets | 12.8357% | 1,714 |
| Core capital (leverage) ratio | 11.5029% | 2,217 |
| Tier 1 risk-based capital ratio | 13.7564% | 3,446 |
| Total risk-based capital ratio | 14.8093% | 3,453 |
| Memoranda: | ||
| Average total assets | $488,304,250 | 1,461 |
| Average earning assets | $443,162,250 | 1,481 |
| Average equity | $62,415,750 | 1,339 |
| Average total loans | $396,789,500 | 1,284 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1298% | 1,150 |
| Cost of funding earning assets | 0.6517% | 3,398 |
| Net interest margin | 4.4781% | 807 |
| Noninterest income to average assets | 0.7787% | 1,413 |
| Noninterest expense to average assets | 2.7995% | 2,589 |
| Loan and lease loss provision to assets | 0.0698% | 2,423 |
| Net operating income to assets | 1.4528% | 1,285 |
| Return on assets (ROA) | 1.4528% | 1,337 |
| Pretax return on assets | 1.9713% | 717 |
| Return on Equity (ROE) | 11.3826% | 1,833 |
| Retained earnings to average equity (ytd only) | 3.4792% | 3,500 |
| Net charge-offs to loans | 0.0356% | 2,159 |
| Credit loss provision to net charge-offs | 238.0282% | 1,064 |
| Earnings coverage of net charge-offs (x) | 69.5915% | 897 |
| Efficiency ratio | 52.7394% | 4,591 |
| Assets per employee ($millions) | 5.2863% | 2,165 |
| Cash dividends to net income (ytd only)* | 69.4342% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,432 |
| Loan loss allowance to noncurrent loans | 245.4545% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 2,965 |
| Noncurrent loans to loans | 0.4207% | 3,024 |
| Net loans and leases to total assets | 83.2115% | 445 |
| Net loans and leases to deposits | 100.5918% | 635 |
| Net loans and leases to core deposits | 104.9821% | 1,305 |
| Total domestic deposits to total assets | 82.7219% | 3,300 |
| Equity capital to assets | 13.1797% | 1,503 |
| Core capital (leverage) ratio | 11.5700% | 2,109 |
| Tier 1 risk-based capital ratio | 13.3445% | 3,662 |
| Total risk-based capital ratio | 14.3974% | 3,667 |
| Memoranda: | ||
| Average total assets | $484,157,670 | 1,477 |
| Average earning assets | $439,156,330 | 1,495 |
| Average equity | $61,796,330 | 1,337 |
| Average total loans | $399,094,000 | 1,277 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1622% | 976 |
| Cost of funding earning assets | 0.6262% | 3,430 |
| Net interest margin | 4.5360% | 692 |
| Noninterest income to average assets | 0.7233% | 1,535 |
| Noninterest expense to average assets | 2.9110% | 2,245 |
| Loan and lease loss provision to assets | 0.0754% | 2,174 |
| Net operating income to assets | 1.3621% | 1,480 |
| Return on assets (ROA) | 1.3621% | 1,523 |
| Pretax return on assets | 1.8487% | 876 |
| Return on Equity (ROE) | 10.8441% | 2,005 |
| Retained earnings to average equity (ytd only) | -1.8584% | 4,735 |
| Net charge-offs to loans | 0.0542% | 1,510 |
| Credit loss provision to net charge-offs | 170.3704% | 1,151 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 1,104 |
| Efficiency ratio | 55.0398% | 4,429 |
| Assets per employee ($millions) | 5.4091% | 2,065 |
| Cash dividends to net income (ytd only)* | 117.1377% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,539 |
| Loan loss allowance to noncurrent loans | 191.3923% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 2,781 |
| Noncurrent loans to loans | 0.5369% | 2,700 |
| Net loans and leases to total assets | 82.3383% | 551 |
| Net loans and leases to deposits | 96.3226% | 931 |
| Net loans and leases to core deposits | 101.1673% | 1,524 |
| Total domestic deposits to total assets | 85.4818% | 2,491 |
| Equity capital to assets | 12.8711% | 1,529 |
| Core capital (leverage) ratio | 10.9291% | 2,638 |
| Tier 1 risk-based capital ratio | 13.1631% | 3,795 |
| Total risk-based capital ratio | 14.2296% | 3,786 |
| Memoranda: | ||
| Average total assets | $488,351,000 | 1,470 |
| Average earning assets | $442,676,500 | 1,501 |
| Average equity | $61,342,000 | 1,344 |
| Average total loans | $398,627,500 | 1,280 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7293% | 1,734 |
| Cost of funding earning assets | 0.4718% | 3,540 |
| Net interest margin | 4.2575% | 1,252 |
| Noninterest income to average assets | 1.0753% | 805 |
| Noninterest expense to average assets | 2.6234% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7427% | 627 |
| Return on assets (ROA) | 1.7427% | 624 |
| Pretax return on assets | 2.3612% | 266 |
| Return on Equity (ROE) | 12.8566% | 1,394 |
| Retained earnings to average equity (ytd only) | -2.8644% | 5,175 |
| Net charge-offs to loans | 0.0075% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 373.5263% | 274 |
| Efficiency ratio | 52.1559% | 4,784 |
| Assets per employee ($millions) | 5.1708% | 2,304 |
| Cash dividends to net income (ytd only)* | 122.2795% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 1,345 |
| Loan loss allowance to noncurrent loans | 176.6234% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 1,927 |
| Noncurrent loans to loans | 0.8388% | 1,930 |
| Net loans and leases to total assets | 83.1545% | 500 |
| Net loans and leases to deposits | 98.6089% | 842 |
| Net loans and leases to core deposits | 108.8496% | 1,062 |
| Total domestic deposits to total assets | 84.3275% | 2,898 |
| Equity capital to assets | 12.2390% | 1,734 |
| Core capital (leverage) ratio | 12.4083% | 1,510 |
| Tier 1 risk-based capital ratio | 14.4247% | 3,100 |
| Total risk-based capital ratio | 15.6783% | 3,014 |
| Memoranda: | ||
| Average total assets | $300,567,000 | 2,154 |
| Average earning assets | $275,982,400 | 2,158 |
| Average equity | $40,741,600 | 1,824 |
| Average total loans | $251,901,400 | 1,811 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6658% | 1,778 |
| Cost of funding earning assets | 0.4119% | 3,777 |
| Net interest margin | 4.2539% | 1,225 |
| Noninterest income to average assets | 0.9176% | 1,146 |
| Noninterest expense to average assets | 2.5992% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6582% | 822 |
| Return on assets (ROA) | 1.6582% | 831 |
| Pretax return on assets | 2.2336% | 378 |
| Return on Equity (ROE) | 11.9259% | 1,813 |
| Retained earnings to average equity (ytd only) | 9.8747% | 960 |
| Net charge-offs to loans | -0.0338% | 4,790 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2900% | 4,676 |
| Assets per employee ($millions) | 5.1260% | 2,304 |
| Cash dividends to net income (ytd only)* | 17.1995% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6168% | 1,037 |
| Loan loss allowance to noncurrent loans | 227.8438% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 2,394 |
| Noncurrent loans to loans | 0.7096% | 2,303 |
| Net loans and leases to total assets | 81.0023% | 870 |
| Net loans and leases to deposits | 98.3733% | 923 |
| Net loans and leases to core deposits | 100.5347% | 1,738 |
| Total domestic deposits to total assets | 82.3418% | 3,512 |
| Equity capital to assets | 14.1318% | 914 |
| Core capital (leverage) ratio | 14.0738% | 918 |
| Tier 1 risk-based capital ratio | 16.9418% | 2,125 |
| Total risk-based capital ratio | 18.1980% | 2,079 |
| Memoranda: | ||
| Average total assets | $296,854,000 | 2,186 |
| Average earning assets | $273,217,750 | 2,184 |
| Average equity | $41,276,000 | 1,813 |
| Average total loans | $248,319,500 | 1,836 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 1,745 |
| Cost of funding earning assets | 0.3482% | 4,086 |
| Net interest margin | 4.2642% | 1,126 |
| Noninterest income to average assets | 0.8834% | 1,232 |
| Noninterest expense to average assets | 2.5709% | 3,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6509% | 800 |
| Return on assets (ROA) | 1.6509% | 808 |
| Pretax return on assets | 2.2312% | 367 |
| Return on Equity (ROE) | 11.9397% | 1,748 |
| Retained earnings to average equity (ytd only) | 10.1500% | 888 |
| Net charge-offs to loans | 0.0097% | 2,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 274.2500% | 327 |
| Efficiency ratio | 53.0284% | 4,779 |
| Assets per employee ($millions) | 4.8326% | 2,643 |
| Cash dividends to net income (ytd only)* | 14.9897% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 1,111 |
| Loan loss allowance to noncurrent loans | 228.2496% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5970% | 2,435 |
| Noncurrent loans to loans | 0.7012% | 2,356 |
| Net loans and leases to total assets | 83.7699% | 481 |
| Net loans and leases to deposits | 104.0494% | 524 |
| Net loans and leases to core deposits | 105.6731% | 1,262 |
| Total domestic deposits to total assets | 80.5097% | 4,133 |
| Equity capital to assets | 14.4167% | 826 |
| Core capital (leverage) ratio | 14.1968% | 854 |
| Tier 1 risk-based capital ratio | 16.6914% | 2,199 |
| Total risk-based capital ratio | 17.9469% | 2,147 |
| Memoranda: | ||
| Average total assets | $294,994,670 | 2,200 |
| Average earning assets | $271,097,330 | 2,202 |
| Average equity | $40,788,330 | 1,832 |
| Average total loans | $248,091,670 | 1,847 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 1,992 |
| Cost of funding earning assets | 0.3348% | 4,104 |
| Net interest margin | 4.1248% | 1,377 |
| Noninterest income to average assets | 0.8578% | 1,273 |
| Noninterest expense to average assets | 2.5007% | 3,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5945% | 870 |
| Return on assets (ROA) | 1.5945% | 870 |
| Pretax return on assets | 2.1498% | 415 |
| Return on Equity (ROE) | 11.7771% | 1,656 |
| Retained earnings to average equity (ytd only) | 9.7414% | 1,243 |
| Net charge-offs to loans | 0.0241% | 2,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 106.6000% | 586 |
| Efficiency ratio | 53.2524% | 4,860 |
| Assets per employee ($millions) | 5.1059% | 2,359 |
| Cash dividends to net income (ytd only)* | 17.2850% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 1,195 |
| Loan loss allowance to noncurrent loans | 227.5504% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 2,568 |
| Noncurrent loans to loans | 0.6964% | 2,470 |
| Net loans and leases to total assets | 82.7909% | 559 |
| Net loans and leases to deposits | 99.7672% | 725 |
| Net loans and leases to core deposits | 101.6687% | 1,561 |
| Total domestic deposits to total assets | 82.9841% | 3,671 |
| Equity capital to assets | 13.7482% | 964 |
| Core capital (leverage) ratio | 13.6585% | 961 |
| Tier 1 risk-based capital ratio | 16.0350% | 2,455 |
| Total risk-based capital ratio | 17.2906% | 2,394 |
| Memoranda: | ||
| Average total assets | $297,514,500 | 2,203 |
| Average earning assets | $273,565,000 | 2,214 |
| Average equity | $40,281,500 | 1,858 |
| Average total loans | $248,714,500 | 1,859 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 2,434 |
| Cost of funding earning assets | 0.2820% | 4,296 |
| Net interest margin | 3.9869% | 1,785 |
| Noninterest income to average assets | 1.2056% | 717 |
| Noninterest expense to average assets | 2.6702% | 3,229 |
| Loan and lease loss provision to assets | -0.1160% | 5,498 |
| Net operating income to assets | 1.4070% | 1,002 |
| Return on assets (ROA) | 1.4070% | 1,019 |
| Pretax return on assets | 2.3131% | 259 |
| Return on Equity (ROE) | 10.3592% | 1,749 |
| Retained earnings to average equity (ytd only) | 8.4313% | 636 |
| Net charge-offs to loans | -0.0113% | 4,814 |
| Credit loss provision to net charge-offs | 1,269.2308% | 302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3400% | 4,927 |
| Assets per employee ($millions) | 5.5350% | 1,897 |
| Cash dividends to net income (ytd only)* | 18.6110% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 1,152 |
| Loan loss allowance to noncurrent loans | 263.6727% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 2,880 |
| Noncurrent loans to loans | 0.6053% | 2,718 |
| Net loans and leases to total assets | 81.7497% | 715 |
| Net loans and leases to deposits | 97.7963% | 917 |
| Net loans and leases to core deposits | 99.8329% | 1,728 |
| Total domestic deposits to total assets | 83.5919% | 3,360 |
| Equity capital to assets | 13.3324% | 1,121 |
| Core capital (leverage) ratio | 13.6792% | 915 |
| Tier 1 risk-based capital ratio | 15.6885% | 2,555 |
| Total risk-based capital ratio | 16.9442% | 2,490 |
| Memoranda: | ||
| Average total assets | $284,513,600 | 2,257 |
| Average earning assets | $261,305,800 | 2,273 |
| Average equity | $38,641,800 | 1,912 |
| Average total loans | $229,653,400 | 1,940 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 2,502 |
| Cost of funding earning assets | 0.2856% | 4,265 |
| Net interest margin | 3.9487% | 1,867 |
| Noninterest income to average assets | 1.3052% | 627 |
| Noninterest expense to average assets | 2.6745% | 3,144 |
| Loan and lease loss provision to assets | -0.1566% | 5,633 |
| Net operating income to assets | 1.6877% | 592 |
| Return on assets (ROA) | 1.6877% | 608 |
| Pretax return on assets | 2.4158% | 246 |
| Return on Equity (ROE) | 12.3662% | 1,225 |
| Retained earnings to average equity (ytd only) | 10.2971% | 526 |
| Net charge-offs to loans | -0.0367% | 5,068 |
| Credit loss provision to net charge-offs | 532.2581% | 594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6989% | 4,953 |
| Assets per employee ($millions) | 5.2509% | 2,172 |
| Cash dividends to net income (ytd only)* | 16.7322% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 983 |
| Loan loss allowance to noncurrent loans | 378.3349% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 3,589 |
| Noncurrent loans to loans | 0.4560% | 3,340 |
| Net loans and leases to total assets | 77.4711% | 1,355 |
| Net loans and leases to deposits | 93.1272% | 1,410 |
| Net loans and leases to core deposits | 94.7135% | 2,204 |
| Total domestic deposits to total assets | 83.1885% | 3,398 |
| Equity capital to assets | 13.4763% | 1,166 |
| Core capital (leverage) ratio | 13.3237% | 1,095 |
| Tier 1 risk-based capital ratio | 16.5934% | 2,291 |
| Total risk-based capital ratio | 17.8507% | 2,240 |
| Memoranda: | ||
| Average total assets | $280,919,750 | 2,298 |
| Average earning assets | $258,135,000 | 2,308 |
| Average equity | $38,340,000 | 1,941 |
| Average total loans | $224,990,750 | 1,972 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 2,534 |
| Cost of funding earning assets | 0.2726% | 4,354 |
| Net interest margin | 3.9114% | 1,889 |
| Noninterest income to average assets | 1.5318% | 463 |
| Noninterest expense to average assets | 2.8213% | 2,676 |
| Loan and lease loss provision to assets | -0.2387% | 5,716 |
| Net operating income to assets | 1.8485% | 412 |
| Return on assets (ROA) | 1.8485% | 424 |
| Pretax return on assets | 2.5392% | 198 |
| Return on Equity (ROE) | 13.4842% | 927 |
| Retained earnings to average equity (ytd only) | 11.9279% | 330 |
| Net charge-offs to loans | -0.0404% | 5,079 |
| Credit loss provision to net charge-offs | 733.3333% | 482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5750% | 4,968 |
| Assets per employee ($millions) | 5.2838% | 2,077 |
| Cash dividends to net income (ytd only)* | 11.5415% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7407% | 991 |
| Loan loss allowance to noncurrent loans | 290.8692% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 3,171 |
| Noncurrent loans to loans | 0.5985% | 2,941 |
| Net loans and leases to total assets | 77.3446% | 1,338 |
| Net loans and leases to deposits | 92.7112% | 1,402 |
| Net loans and leases to core deposits | 94.1646% | 2,138 |
| Total domestic deposits to total assets | 83.4252% | 3,418 |
| Equity capital to assets | 13.4032% | 1,188 |
| Core capital (leverage) ratio | 14.1195% | 827 |
| Tier 1 risk-based capital ratio | 16.4406% | 2,344 |
| Total risk-based capital ratio | 17.6979% | 2,291 |
| Memoranda: | ||
| Average total assets | $276,543,330 | 2,331 |
| Average earning assets | $253,821,000 | 2,350 |
| Average equity | $37,911,000 | 1,955 |
| Average total loans | $222,720,330 | 1,989 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 2,174 |
| Cost of funding earning assets | 0.2868% | 4,176 |
| Net interest margin | 3.9416% | 1,639 |
| Noninterest income to average assets | 2.1209% | 292 |
| Noninterest expense to average assets | 2.5350% | 3,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.5290% | 131 |
| Return on assets (ROA) | 2.5290% | 133 |
| Pretax return on assets | 3.1969% | 115 |
| Return on Equity (ROE) | 18.2290% | 324 |
| Retained earnings to average equity (ytd only) | 16.9453% | 169 |
| Net charge-offs to loans | -0.0036% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7597% | 5,602 |
| Assets per employee ($millions) | 4.9519% | 2,505 |
| Cash dividends to net income (ytd only)* | 7.0423% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9284% | 753 |
| Loan loss allowance to noncurrent loans | 310.4727% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 3,140 |
| Noncurrent loans to loans | 0.6211% | 2,962 |
| Net loans and leases to total assets | 81.1927% | 670 |
| Net loans and leases to deposits | 98.4313% | 734 |
| Net loans and leases to core deposits | 101.9976% | 1,366 |
| Total domestic deposits to total assets | 82.4867% | 4,022 |
| Equity capital to assets | 14.2912% | 819 |
| Core capital (leverage) ratio | 13.9094% | 870 |
| Tier 1 risk-based capital ratio | 16.8684% | 2,229 |
| Total risk-based capital ratio | 18.1264% | 2,189 |
| Memoranda: | ||
| Average total assets | $269,510,000 | 2,405 |
| Average earning assets | $246,903,000 | 2,421 |
| Average equity | $37,391,000 | 1,974 |
| Average total loans | $219,704,000 | 2,028 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5517% | 1,401 |
| Cost of funding earning assets | 0.3377% | 3,658 |
| Net interest margin | 4.2139% | 1,081 |
| Noninterest income to average assets | 0.8686% | 1,513 |
| Noninterest expense to average assets | 2.6835% | 3,395 |
| Loan and lease loss provision to assets | 0.0554% | 3,274 |
| Net operating income to assets | 1.2669% | 1,310 |
| Return on assets (ROA) | 1.2660% | 1,390 |
| Pretax return on assets | 2.0067% | 498 |
| Return on Equity (ROE) | 9.7196% | 2,094 |
| Retained earnings to average equity (ytd only) | 7.9034% | 883 |
| Net charge-offs to loans | 0.0915% | 2,394 |
| Credit loss provision to net charge-offs | 78.1250% | 3,002 |
| Earnings coverage of net charge-offs (x) | 29.0781% | 1,457 |
| Efficiency ratio | 55.9760% | 5,073 |
| Assets per employee ($millions) | 5.0300% | 2,359 |
| Cash dividends to net income (ytd only)* | 18.6861% | 3,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9571% | 719 |
| Loan loss allowance to noncurrent loans | 272.3038% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 2,874 |
| Noncurrent loans to loans | 0.7187% | 2,739 |
| Net loans and leases to total assets | 78.6991% | 1,090 |
| Net loans and leases to deposits | 94.5565% | 1,137 |
| Net loans and leases to core deposits | 98.7413% | 1,723 |
| Total domestic deposits to total assets | 83.2298% | 3,688 |
| Equity capital to assets | 13.4627% | 1,068 |
| Core capital (leverage) ratio | 13.3312% | 1,024 |
| Tier 1 risk-based capital ratio | 16.5419% | 2,333 |
| Total risk-based capital ratio | 17.8007% | 2,272 |
| Memoranda: | ||
| Average total assets | $270,537,800 | 2,359 |
| Average earning assets | $249,008,600 | 2,365 |
| Average equity | $35,238,200 | 2,061 |
| Average total loans | $209,860,000 | 2,046 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 2,790 |
| Cost of funding earning assets | 0.3393% | 3,660 |
| Net interest margin | 3.7836% | 2,395 |
| Noninterest income to average assets | 0.8702% | 1,511 |
| Noninterest expense to average assets | 2.4434% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2106% | 1,609 |
| Return on assets (ROA) | 1.2106% | 1,703 |
| Pretax return on assets | 1.9141% | 684 |
| Return on Equity (ROE) | 9.3735% | 2,318 |
| Retained earnings to average equity (ytd only) | 7.2154% | 1,519 |
| Net charge-offs to loans | 0.0327% | 2,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 76.0765% | 816 |
| Efficiency ratio | 55.4625% | 5,108 |
| Assets per employee ($millions) | 5.2402% | 2,104 |
| Cash dividends to net income (ytd only)* | 23.0235% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9883% | 738 |
| Loan loss allowance to noncurrent loans | 212.9000% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.7754% | 2,611 |
| Noncurrent loans to loans | 0.9339% | 2,379 |
| Net loans and leases to total assets | 77.0281% | 1,354 |
| Net loans and leases to deposits | 92.0010% | 1,499 |
| Net loans and leases to core deposits | 96.0341% | 1,984 |
| Total domestic deposits to total assets | 83.7252% | 3,309 |
| Equity capital to assets | 13.1818% | 1,395 |
| Core capital (leverage) ratio | 12.9207% | 1,218 |
| Tier 1 risk-based capital ratio | 16.2895% | 2,508 |
| Total risk-based capital ratio | 17.5484% | 2,453 |
| Memoranda: | ||
| Average total assets | $270,267,750 | 2,373 |
| Average earning assets | $249,103,750 | 2,381 |
| Average equity | $34,906,000 | 2,092 |
| Average total loans | $207,818,000 | 2,070 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 2,944 |
| Cost of funding earning assets | 0.3394% | 3,695 |
| Net interest margin | 3.7407% | 2,548 |
| Noninterest income to average assets | 0.8214% | 1,638 |
| Noninterest expense to average assets | 2.4317% | 4,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1635% | 1,725 |
| Return on assets (ROA) | 1.1635% | 1,829 |
| Pretax return on assets | 1.8328% | 815 |
| Return on Equity (ROE) | 9.0719% | 2,467 |
| Retained earnings to average equity (ytd only) | 6.3237% | 1,948 |
| Net charge-offs to loans | 0.0321% | 2,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 74.8485% | 735 |
| Efficiency ratio | 56.4120% | 5,098 |
| Assets per employee ($millions) | 5.1693% | 2,119 |
| Cash dividends to net income (ytd only)* | 30.2934% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0030% | 729 |
| Loan loss allowance to noncurrent loans | 311.6618% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 3,331 |
| Noncurrent loans to loans | 0.6427% | 3,151 |
| Net loans and leases to total assets | 76.3581% | 1,434 |
| Net loans and leases to deposits | 90.6830% | 1,673 |
| Net loans and leases to core deposits | 94.5042% | 2,110 |
| Total domestic deposits to total assets | 84.2033% | 3,195 |
| Equity capital to assets | 12.8355% | 1,592 |
| Core capital (leverage) ratio | 12.4525% | 1,383 |
| Tier 1 risk-based capital ratio | 16.2155% | 2,541 |
| Total risk-based capital ratio | 17.4745% | 2,481 |
| Memoranda: | ||
| Average total assets | $269,527,330 | 2,387 |
| Average earning assets | $248,082,330 | 2,399 |
| Average equity | $34,568,330 | 2,114 |
| Average total loans | $205,707,000 | 2,090 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1251% | 2,748 |
| Cost of funding earning assets | 0.3374% | 3,752 |
| Net interest margin | 3.7877% | 2,334 |
| Noninterest income to average assets | 0.8619% | 1,409 |
| Noninterest expense to average assets | 2.5484% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1493% | 1,712 |
| Return on assets (ROA) | 1.1493% | 1,827 |
| Pretax return on assets | 1.7912% | 866 |
| Return on Equity (ROE) | 8.9642% | 2,443 |
| Retained earnings to average equity (ytd only) | 7.9721% | 1,466 |
| Net charge-offs to loans | 0.0396% | 2,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 59.8500% | 784 |
| Efficiency ratio | 58.1034% | 4,984 |
| Assets per employee ($millions) | 5.2370% | 2,097 |
| Cash dividends to net income (ytd only)* | 11.0677% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1245% | 660 |
| Loan loss allowance to noncurrent loans | 154.5029% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 1.1353% | 1,947 |
| Noncurrent loans to loans | 1.3750% | 1,730 |
| Net loans and leases to total assets | 71.1903% | 2,155 |
| Net loans and leases to deposits | 84.3241% | 2,272 |
| Net loans and leases to core deposits | 88.5977% | 2,502 |
| Total domestic deposits to total assets | 84.4246% | 3,343 |
| Equity capital to assets | 12.4907% | 1,685 |
| Core capital (leverage) ratio | 12.9538% | 1,175 |
| Tier 1 risk-based capital ratio | 17.1782% | 2,219 |
| Total risk-based capital ratio | 18.4393% | 2,185 |
| Memoranda: | ||
| Average total assets | $267,303,500 | 2,411 |
| Average earning assets | $245,426,500 | 2,425 |
| Average equity | $34,269,500 | 2,126 |
| Average total loans | $201,821,500 | 2,122 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 2,200 |
| Cost of funding earning assets | 0.3574% | 3,622 |
| Net interest margin | 3.9517% | 1,863 |
| Noninterest income to average assets | 0.7769% | 1,875 |
| Noninterest expense to average assets | 2.4631% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2084% | 1,518 |
| Return on assets (ROA) | 1.2084% | 1,588 |
| Pretax return on assets | 1.9429% | 606 |
| Return on Equity (ROE) | 8.0205% | 2,946 |
| Retained earnings to average equity (ytd only) | -8.8930% | 6,021 |
| Net charge-offs to loans | 0.0269% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 86.7872% | 648 |
| Efficiency ratio | 55.9027% | 5,353 |
| Assets per employee ($millions) | 4.9106% | 2,459 |
| Cash dividends to net income (ytd only)* | 210.8790% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2521% | 549 |
| Loan loss allowance to noncurrent loans | 135.3391% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.6391% | 1,195 |
| Noncurrent loans to loans | 1.6641% | 1,369 |
| Net loans and leases to total assets | 83.8795% | 403 |
| Net loans and leases to deposits | 102.7388% | 500 |
| Net loans and leases to core deposits | 107.8397% | 981 |
| Total domestic deposits to total assets | 81.6434% | 4,288 |
| Equity capital to assets | 14.2067% | 864 |
| Core capital (leverage) ratio | 13.5788% | 939 |
| Tier 1 risk-based capital ratio | 16.9358% | 2,303 |
| Total risk-based capital ratio | 18.1987% | 2,248 |
| Memoranda: | ||
| Average total assets | $209,939,600 | 2,853 |
| Average earning assets | $192,804,400 | 2,861 |
| Average equity | $31,631,600 | 2,221 |
| Average total loans | $174,596,000 | 2,301 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 2,682 |
| Cost of funding earning assets | 0.3547% | 3,696 |
| Net interest margin | 3.8140% | 2,334 |
| Noninterest income to average assets | 0.7871% | 1,845 |
| Noninterest expense to average assets | 2.2260% | 4,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2868% | 1,375 |
| Return on assets (ROA) | 1.2868% | 1,430 |
| Pretax return on assets | 2.0689% | 529 |
| Return on Equity (ROE) | 8.4266% | 2,854 |
| Retained earnings to average equity (ytd only) | 7.3974% | 1,501 |
| Net charge-offs to loans | 0.0213% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 117.5433% | 546 |
| Efficiency ratio | 51.8296% | 5,663 |
| Assets per employee ($millions) | 5.2502% | 2,001 |
| Cash dividends to net income (ytd only)* | 12.2132% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2276% | 635 |
| Loan loss allowance to noncurrent loans | 103.1118% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 2.0080% | 1,019 |
| Noncurrent loans to loans | 2.1604% | 1,033 |
| Net loans and leases to total assets | 81.7170% | 610 |
| Net loans and leases to deposits | 101.7810% | 560 |
| Net loans and leases to core deposits | 110.8826% | 827 |
| Total domestic deposits to total assets | 80.2870% | 4,673 |
| Equity capital to assets | 15.8260% | 590 |
| Core capital (leverage) ratio | 16.1340% | 471 |
| Tier 1 risk-based capital ratio | 19.9835% | 1,554 |
| Total risk-based capital ratio | 21.2468% | 1,514 |
| Memoranda: | ||
| Average total assets | $212,091,000 | 2,842 |
| Average earning assets | $195,066,750 | 2,851 |
| Average equity | $32,388,750 | 2,194 |
| Average total loans | $175,052,750 | 2,305 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1460% | 2,732 |
| Cost of funding earning assets | 0.3572% | 3,733 |
| Net interest margin | 3.7888% | 2,364 |
| Noninterest income to average assets | 0.8083% | 1,740 |
| Noninterest expense to average assets | 2.2426% | 4,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2736% | 1,394 |
| Return on assets (ROA) | 1.2736% | 1,457 |
| Pretax return on assets | 2.0453% | 551 |
| Return on Equity (ROE) | 8.4407% | 2,828 |
| Retained earnings to average equity (ytd only) | 8.4407% | 1,103 |
| Net charge-offs to loans | 0.0332% | 3,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 75.0345% | 744 |
| Efficiency ratio | 52.3016% | 5,689 |
| Assets per employee ($millions) | 5.1700% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2349% | 702 |
| Loan loss allowance to noncurrent loans | 114.9030% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.8506% | 1,240 |
| Noncurrent loans to loans | 1.9450% | 1,275 |
| Net loans and leases to total assets | 82.6881% | 499 |
| Net loans and leases to deposits | 102.8999% | 506 |
| Net loans and leases to core deposits | 112.2070% | 740 |
| Total domestic deposits to total assets | 80.3578% | 4,785 |
| Equity capital to assets | 15.8472% | 543 |
| Core capital (leverage) ratio | 15.8607% | 485 |
| Tier 1 risk-based capital ratio | 19.9701% | 1,549 |
| Total risk-based capital ratio | 21.2337% | 1,518 |
| Memoranda: | ||
| Average total assets | $212,785,000 | 2,855 |
| Average earning assets | $195,417,000 | 2,869 |
| Average equity | $32,106,330 | 2,218 |
| Average total loans | $174,896,000 | 2,316 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 3,091 |
| Cost of funding earning assets | 0.3596% | 3,759 |
| Net interest margin | 3.6784% | 2,705 |
| Noninterest income to average assets | 0.8694% | 1,499 |
| Noninterest expense to average assets | 2.2560% | 4,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2439% | 1,424 |
| Return on assets (ROA) | 1.2439% | 1,510 |
| Pretax return on assets | 1.9891% | 599 |
| Return on Equity (ROE) | 8.4473% | 2,728 |
| Retained earnings to average equity (ytd only) | 8.4473% | 1,397 |
| Net charge-offs to loans | -0.0023% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1441% | 5,742 |
| Assets per employee ($millions) | 5.3796% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2271% | 778 |
| Loan loss allowance to noncurrent loans | 132.5370% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 1.6617% | 1,519 |
| Noncurrent loans to loans | 1.6804% | 1,646 |
| Net loans and leases to total assets | 84.5910% | 279 |
| Net loans and leases to deposits | 105.2957% | 336 |
| Net loans and leases to core deposits | 110.5192% | 723 |
| Total domestic deposits to total assets | 80.3366% | 4,982 |
| Equity capital to assets | 15.7108% | 591 |
| Core capital (leverage) ratio | 15.0320% | 606 |
| Tier 1 risk-based capital ratio | 18.9629% | 1,883 |
| Total risk-based capital ratio | 20.2262% | 1,838 |
| Memoranda: | ||
| Average total assets | $215,777,500 | 2,844 |
| Average earning assets | $198,023,500 | 2,856 |
| Average equity | $31,773,500 | 2,245 |
| Average total loans | $174,890,000 | 2,321 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 3,025 |
| Cost of funding earning assets | 0.3980% | 3,709 |
| Net interest margin | 3.7771% | 2,704 |
| Noninterest income to average assets | 0.6031% | 2,839 |
| Noninterest expense to average assets | 2.1452% | 5,469 |
| Loan and lease loss provision to assets | 0.0865% | 2,742 |
| Net operating income to assets | 1.1408% | 1,812 |
| Return on assets (ROA) | 1.1408% | 1,877 |
| Pretax return on assets | 1.8547% | 706 |
| Return on Equity (ROE) | 8.1334% | 3,058 |
| Retained earnings to average equity (ytd only) | 5.0341% | 2,579 |
| Net charge-offs to loans | -0.0023% | 5,386 |
| Credit loss provision to net charge-offs | -4,725.0000% | 6,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4972% | 5,951 |
| Assets per employee ($millions) | 6.4894% | 1,054 |
| Cash dividends to net income (ytd only)* | 38.1067% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2774% | 743 |
| Loan loss allowance to noncurrent loans | 119.3695% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.7748% | 1,476 |
| Noncurrent loans to loans | 1.9079% | 1,482 |
| Net loans and leases to total assets | 74.3969% | 1,515 |
| Net loans and leases to deposits | 89.9675% | 1,520 |
| Net loans and leases to core deposits | 95.1356% | 1,795 |
| Total domestic deposits to total assets | 82.6931% | 4,187 |
| Equity capital to assets | 13.8380% | 1,017 |
| Core capital (leverage) ratio | 13.9205% | 835 |
| Tier 1 risk-based capital ratio | 19.5012% | 1,725 |
| Total risk-based capital ratio | 20.7663% | 1,691 |
| Memoranda: | ||
| Average total assets | $218,530,600 | 2,797 |
| Average earning assets | $201,528,200 | 2,793 |
| Average equity | $30,651,200 | 2,236 |
| Average total loans | $174,670,600 | 2,283 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 2,822 |
| Cost of funding earning assets | 0.4021% | 3,770 |
| Net interest margin | 3.8443% | 2,456 |
| Noninterest income to average assets | 0.5983% | 2,884 |
| Noninterest expense to average assets | 2.1154% | 5,537 |
| Loan and lease loss provision to assets | 0.0875% | 2,602 |
| Net operating income to assets | 1.1985% | 1,680 |
| Return on assets (ROA) | 1.1985% | 1,753 |
| Pretax return on assets | 1.9416% | 648 |
| Return on Equity (ROE) | 8.5147% | 2,940 |
| Retained earnings to average equity (ytd only) | 5.3408% | 2,859 |
| Net charge-offs to loans | -0.0008% | 5,151 |
| Credit loss provision to net charge-offs | -14,200.0000% | 6,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0407% | 6,049 |
| Assets per employee ($millions) | 6.9795% | 813 |
| Cash dividends to net income (ytd only)* | 37.2749% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2852% | 839 |
| Loan loss allowance to noncurrent loans | 92.5274% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 2.0088% | 1,424 |
| Noncurrent loans to loans | 2.4697% | 1,196 |
| Net loans and leases to total assets | 68.0573% | 2,529 |
| Net loans and leases to deposits | 80.8913% | 2,566 |
| Net loans and leases to core deposits | 85.1308% | 2,759 |
| Total domestic deposits to total assets | 84.1343% | 3,707 |
| Equity capital to assets | 12.7316% | 1,568 |
| Core capital (leverage) ratio | 14.2816% | 776 |
| Tier 1 risk-based capital ratio | 19.7302% | 1,731 |
| Total risk-based capital ratio | 20.9952% | 1,696 |
| Memoranda: | ||
| Average total assets | $216,381,000 | 2,845 |
| Average earning assets | $199,597,500 | 2,832 |
| Average equity | $30,456,500 | 2,258 |
| Average total loans | $175,109,500 | 2,293 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 2,003 |
| Cost of funding earning assets | 0.4206% | 3,651 |
| Net interest margin | 4.0272% | 1,736 |
| Noninterest income to average assets | 0.5505% | 3,119 |
| Noninterest expense to average assets | 2.2552% | 5,267 |
| Loan and lease loss provision to assets | 0.0918% | 2,493 |
| Net operating income to assets | 1.1657% | 1,703 |
| Return on assets (ROA) | 1.1657% | 1,769 |
| Pretax return on assets | 1.9026% | 681 |
| Return on Equity (ROE) | 7.9824% | 3,104 |
| Retained earnings to average equity (ytd only) | 3.8490% | 3,727 |
| Net charge-offs to loans | -0.0532% | 5,910 |
| Credit loss provision to net charge-offs | -202.1277% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0682% | 5,992 |
| Assets per employee ($millions) | 5.9369% | 1,317 |
| Cash dividends to net income (ytd only)* | 51.7813% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1963% | 1,032 |
| Loan loss allowance to noncurrent loans | 78.3669% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 2.6039% | 1,048 |
| Noncurrent loans to loans | 2.8026% | 1,073 |
| Net loans and leases to total assets | 85.7496% | 190 |
| Net loans and leases to deposits | 105.7432% | 312 |
| Net loans and leases to core deposits | 110.9509% | 653 |
| Total domestic deposits to total assets | 81.0923% | 4,952 |
| Equity capital to assets | 15.0971% | 681 |
| Core capital (leverage) ratio | 15.0735% | 599 |
| Tier 1 risk-based capital ratio | 19.2053% | 1,873 |
| Total risk-based capital ratio | 20.4701% | 1,834 |
| Memoranda: | ||
| Average total assets | $207,081,000 | 2,952 |
| Average earning assets | $190,207,000 | 2,948 |
| Average equity | $30,241,670 | 2,263 |
| Average total loans | $176,766,330 | 2,270 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 2,085 |
| Cost of funding earning assets | 0.4144% | 3,822 |
| Net interest margin | 4.0004% | 1,758 |
| Noninterest income to average assets | 0.4902% | 3,493 |
| Noninterest expense to average assets | 2.3291% | 5,128 |
| Loan and lease loss provision to assets | 0.0897% | 2,422 |
| Net operating income to assets | 1.0968% | 1,829 |
| Return on assets (ROA) | 1.0968% | 1,893 |
| Pretax return on assets | 1.7912% | 810 |
| Return on Equity (ROE) | 7.6347% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.6347% | 1,755 |
| Net charge-offs to loans | -0.0113% | 5,101 |
| Credit loss provision to net charge-offs | -940.0000% | 5,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3240% | 5,897 |
| Assets per employee ($millions) | 5.8240% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1813% | 1,194 |
| Loan loss allowance to noncurrent loans | 65.8515% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 2.9489% | 978 |
| Noncurrent loans to loans | 3.3125% | 918 |
| Net loans and leases to total assets | 83.5312% | 261 |
| Net loans and leases to deposits | 102.6620% | 344 |
| Net loans and leases to core deposits | 108.1464% | 665 |
| Total domestic deposits to total assets | 81.3653% | 5,134 |
| Equity capital to assets | 14.9289% | 691 |
| Core capital (leverage) ratio | 14.8258% | 619 |
| Tier 1 risk-based capital ratio | 19.7970% | 1,769 |
| Total risk-based capital ratio | 21.0624% | 1,729 |
| Memoranda: | ||
| Average total assets | $209,694,500 | 2,936 |
| Average earning assets | $194,978,500 | 2,904 |
| Average equity | $30,125,500 | 2,267 |
| Average total loans | $176,661,500 | 2,269 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4108% | 2,545 |
| Cost of funding earning assets | 0.4875% | 3,738 |
| Net interest margin | 3.9233% | 2,207 |
| Noninterest income to average assets | 0.6570% | 2,772 |
| Noninterest expense to average assets | 2.1969% | 5,636 |
| Loan and lease loss provision to assets | 0.2334% | 1,540 |
| Net operating income to assets | 1.1489% | 1,762 |
| Return on assets (ROA) | 1.1489% | 1,828 |
| Pretax return on assets | 1.8821% | 627 |
| Return on Equity (ROE) | 8.3449% | 2,860 |
| Retained earnings to average equity (ytd only) | 1.1178% | 5,330 |
| Net charge-offs to loans | 0.6703% | 968 |
| Credit loss provision to net charge-offs | 41.9732% | 3,995 |
| Earnings coverage of net charge-offs (x) | 3.8043% | 3,752 |
| Efficiency ratio | 50.9434% | 6,361 |
| Assets per employee ($millions) | 6.1585% | 1,167 |
| Cash dividends to net income (ytd only)* | 86.6046% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0892% | 1,356 |
| Loan loss allowance to noncurrent loans | 67.5140% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 2.7084% | 1,234 |
| Noncurrent loans to loans | 3.0945% | 1,111 |
| Net loans and leases to total assets | 81.4251% | 455 |
| Net loans and leases to deposits | 98.4767% | 565 |
| Net loans and leases to core deposits | 104.8522% | 865 |
| Total domestic deposits to total assets | 82.6847% | 4,644 |
| Equity capital to assets | 13.8344% | 955 |
| Core capital (leverage) ratio | 13.9403% | 837 |
| Tier 1 risk-based capital ratio | 18.8982% | 1,957 |
| Total risk-based capital ratio | 20.1618% | 1,911 |
| Memoranda: | ||
| Average total assets | $215,076,600 | 2,861 |
| Average earning assets | $200,393,200 | 2,822 |
| Average equity | $29,610,800 | 2,276 |
| Average total loans | $178,427,400 | 2,210 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 2,574 |
| Cost of funding earning assets | 0.5030% | 3,740 |
| Net interest margin | 3.9033% | 2,261 |
| Noninterest income to average assets | 0.7220% | 2,499 |
| Noninterest expense to average assets | 2.1362% | 5,754 |
| Loan and lease loss provision to assets | 0.0385% | 4,242 |
| Net operating income to assets | 1.3087% | 1,333 |
| Return on assets (ROA) | 1.3087% | 1,386 |
| Pretax return on assets | 2.1814% | 405 |
| Return on Equity (ROE) | 9.5176% | 2,389 |
| Retained earnings to average equity (ytd only) | 0.4962% | 5,766 |
| Net charge-offs to loans | 0.5783% | 1,088 |
| Credit loss provision to net charge-offs | 8.0207% | 4,239 |
| Earnings coverage of net charge-offs (x) | 4.6300% | 3,391 |
| Efficiency ratio | 49.0389% | 6,453 |
| Assets per employee ($millions) | 5.6941% | 1,456 |
| Cash dividends to net income (ytd only)* | 94.7868% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1437% | 1,423 |
| Loan loss allowance to noncurrent loans | 53.2419% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 3.4668% | 985 |
| Noncurrent loans to loans | 4.0264% | 862 |
| Net loans and leases to total assets | 80.7730% | 478 |
| Net loans and leases to deposits | 98.1775% | 557 |
| Net loans and leases to core deposits | 105.1514% | 810 |
| Total domestic deposits to total assets | 82.2724% | 4,841 |
| Equity capital to assets | 14.0543% | 953 |
| Core capital (leverage) ratio | 13.9194% | 885 |
| Tier 1 risk-based capital ratio | 18.8731% | 2,031 |
| Total risk-based capital ratio | 20.1369% | 1,986 |
| Memoranda: | ||
| Average total assets | $214,958,500 | 2,886 |
| Average earning assets | $200,133,250 | 2,851 |
| Average equity | $29,558,500 | 2,300 |
| Average total loans | $178,220,250 | 2,218 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 2,606 |
| Cost of funding earning assets | 0.5148% | 3,757 |
| Net interest margin | 3.8750% | 2,295 |
| Noninterest income to average assets | 0.6562% | 2,879 |
| Noninterest expense to average assets | 2.1277% | 5,805 |
| Loan and lease loss provision to assets | 0.0573% | 3,857 |
| Net operating income to assets | 1.2533% | 1,448 |
| Return on assets (ROA) | 1.2533% | 1,545 |
| Pretax return on assets | 2.0889% | 505 |
| Return on Equity (ROE) | 9.1804% | 2,544 |
| Retained earnings to average equity (ytd only) | -4.3600% | 6,420 |
| Net charge-offs to loans | 0.8227% | 763 |
| Credit loss provision to net charge-offs | 8.3897% | 3,921 |
| Earnings coverage of net charge-offs (x) | 3.1421% | 3,479 |
| Efficiency ratio | 49.7837% | 6,447 |
| Assets per employee ($millions) | 5.6355% | 1,473 |
| Cash dividends to net income (ytd only)* | 147.4926% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1469% | 1,534 |
| Loan loss allowance to noncurrent loans | 31.6720% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 5.7133% | 498 |
| Noncurrent loans to loans | 6.7786% | 370 |
| Net loans and leases to total assets | 80.0686% | 529 |
| Net loans and leases to deposits | 96.3947% | 640 |
| Net loans and leases to core deposits | 104.4531% | 819 |
| Total domestic deposits to total assets | 83.0632% | 4,677 |
| Equity capital to assets | 13.4738% | 1,150 |
| Core capital (leverage) ratio | 13.7244% | 906 |
| Tier 1 risk-based capital ratio | 18.5280% | 2,130 |
| Total risk-based capital ratio | 19.7929% | 2,087 |
| Memoranda: | ||
| Average total assets | $216,383,670 | 2,885 |
| Average earning assets | $202,010,330 | 2,845 |
| Average equity | $29,541,330 | 2,305 |
| Average total loans | $179,659,330 | 2,203 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 2,277 |
| Cost of funding earning assets | 0.5303% | 3,773 |
| Net interest margin | 3.9388% | 1,985 |
| Noninterest income to average assets | 0.7044% | 2,565 |
| Noninterest expense to average assets | 2.1903% | 5,715 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3131% | 1,247 |
| Return on assets (ROA) | 1.3131% | 1,350 |
| Pretax return on assets | 2.1885% | 432 |
| Return on Equity (ROE) | 9.5566% | 2,241 |
| Retained earnings to average equity (ytd only) | 9.5566% | 1,230 |
| Net charge-offs to loans | 0.0418% | 3,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 62.6316% | 570 |
| Efficiency ratio | 50.0210% | 6,500 |
| Assets per employee ($millions) | 5.6682% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4374% | 1,196 |
| Loan loss allowance to noncurrent loans | 34.4586% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 6.3860% | 479 |
| Noncurrent loans to loans | 7.0733% | 412 |
| Net loans and leases to total assets | 84.3603% | 180 |
| Net loans and leases to deposits | 103.1200% | 247 |
| Net loans and leases to core deposits | 113.6424% | 398 |
| Total domestic deposits to total assets | 81.8079% | 5,265 |
| Equity capital to assets | 14.4204% | 899 |
| Core capital (leverage) ratio | 14.2668% | 724 |
| Tier 1 risk-based capital ratio | 18.8329% | 2,087 |
| Total risk-based capital ratio | 20.1013% | 2,058 |
| Memoranda: | ||
| Average total assets | $217,501,000 | 2,907 |
| Average earning assets | $202,902,000 | 2,867 |
| Average equity | $29,885,000 | 2,302 |
| Average total loans | $181,875,000 | 2,191 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0595% | 1,402 |
| Cost of funding earning assets | 0.6692% | 3,745 |
| Net interest margin | 4.3903% | 1,180 |
| Noninterest income to average assets | 0.8643% | 1,975 |
| Noninterest expense to average assets | 2.4976% | 5,103 |
| Loan and lease loss provision to assets | 0.2615% | 2,553 |
| Net operating income to assets | 1.3403% | 1,215 |
| Return on assets (ROA) | 1.3403% | 1,338 |
| Pretax return on assets | 2.2061% | 406 |
| Return on Equity (ROE) | 9.8387% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.8387% | 622 |
| Net charge-offs to loans | -0.0426% | 6,678 |
| Credit loss provision to net charge-offs | -701.2987% | 6,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3023% | 6,575 |
| Assets per employee ($millions) | 6.0886% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4336% | 1,193 |
| Loan loss allowance to noncurrent loans | 143.1012% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 1.6207% | 2,967 |
| Noncurrent loans to loans | 1.7006% | 3,070 |
| Net loans and leases to total assets | 78.9989% | 568 |
| Net loans and leases to deposits | 94.8824% | 693 |
| Net loans and leases to core deposits | 109.1018% | 566 |
| Total domestic deposits to total assets | 83.2599% | 4,617 |
| Equity capital to assets | 13.1069% | 1,384 |
| Core capital (leverage) ratio | 13.6943% | 886 |
| Tier 1 risk-based capital ratio | 18.8114% | 2,008 |
| Total risk-based capital ratio | 20.0803% | 1,972 |
| Memoranda: | ||
| Average total assets | $206,518,600 | 2,967 |
| Average earning assets | $192,904,400 | 2,921 |
| Average equity | $28,133,800 | 2,385 |
| Average total loans | $180,735,400 | 2,190 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1323% | 1,349 |
| Cost of funding earning assets | 0.7044% | 3,726 |
| Net interest margin | 4.4278% | 1,146 |
| Noninterest income to average assets | 0.8350% | 2,094 |
| Noninterest expense to average assets | 2.4357% | 5,287 |
| Loan and lease loss provision to assets | 0.2675% | 2,435 |
| Net operating income to assets | 1.3628% | 1,301 |
| Return on assets (ROA) | 1.3628% | 1,435 |
| Pretax return on assets | 2.2718% | 423 |
| Return on Equity (ROE) | 9.8994% | 2,393 |
| Retained earnings to average equity (ytd only) | 9.8994% | 943 |
| Net charge-offs to loans | -0.0599% | 6,752 |
| Credit loss provision to net charge-offs | -500.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9576% | 6,666 |
| Assets per employee ($millions) | 5.4256% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3601% | 1,418 |
| Loan loss allowance to noncurrent loans | 122.5256% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.7364% | 3,001 |
| Noncurrent loans to loans | 1.9262% | 2,930 |
| Net loans and leases to total assets | 86.4458% | 133 |
| Net loans and leases to deposits | 104.7107% | 267 |
| Net loans and leases to core deposits | 120.9360% | 290 |
| Total domestic deposits to total assets | 82.5568% | 4,810 |
| Equity capital to assets | 13.9830% | 1,165 |
| Core capital (leverage) ratio | 13.8080% | 897 |
| Tier 1 risk-based capital ratio | 18.8144% | 2,068 |
| Total risk-based capital ratio | 20.0845% | 2,031 |
| Memoranda: | ||
| Average total assets | $201,828,500 | 3,053 |
| Average earning assets | $188,710,000 | 3,005 |
| Average equity | $27,785,500 | 2,432 |
| Average total loans | $180,317,500 | 2,221 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1366% | 1,407 |
| Cost of funding earning assets | 0.7196% | 3,857 |
| Net interest margin | 4.4170% | 1,156 |
| Noninterest income to average assets | 0.7795% | 2,295 |
| Noninterest expense to average assets | 2.3685% | 5,570 |
| Loan and lease loss provision to assets | 0.2695% | 2,432 |
| Net operating income to assets | 1.3624% | 1,275 |
| Return on assets (ROA) | 1.3624% | 1,435 |
| Pretax return on assets | 2.2707% | 438 |
| Return on Equity (ROE) | 9.9498% | 2,376 |
| Retained earnings to average equity (ytd only) | 9.9498% | 992 |
| Net charge-offs to loans | -0.0445% | 6,634 |
| Credit loss provision to net charge-offs | -675.0000% | 6,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2513% | 6,762 |
| Assets per employee ($millions) | 5.4463% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2831% | 1,622 |
| Loan loss allowance to noncurrent loans | 127.7675% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 1.6336% | 3,279 |
| Noncurrent loans to loans | 1.7869% | 3,239 |
| Net loans and leases to total assets | 87.7601% | 88 |
| Net loans and leases to deposits | 106.2559% | 224 |
| Net loans and leases to core deposits | 123.6215% | 261 |
| Total domestic deposits to total assets | 82.5932% | 4,911 |
| Equity capital to assets | 13.9599% | 1,109 |
| Core capital (leverage) ratio | 13.8273% | 857 |
| Tier 1 risk-based capital ratio | 18.2403% | 2,214 |
| Total risk-based capital ratio | 19.5080% | 2,177 |
| Memoranda: | ||
| Average total assets | $200,380,670 | 3,076 |
| Average earning assets | $187,321,670 | 3,029 |
| Average equity | $27,437,670 | 2,452 |
| Average total loans | $179,578,330 | 2,241 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1315% | 1,492 |
| Cost of funding earning assets | 0.7508% | 3,856 |
| Net interest margin | 4.3807% | 1,272 |
| Noninterest income to average assets | 0.8067% | 2,135 |
| Noninterest expense to average assets | 2.3382% | 5,669 |
| Loan and lease loss provision to assets | 0.2703% | 2,295 |
| Net operating income to assets | 1.3713% | 1,276 |
| Return on assets (ROA) | 1.3713% | 1,426 |
| Pretax return on assets | 2.2861% | 464 |
| Return on Equity (ROE) | 10.1141% | 2,358 |
| Retained earnings to average equity (ytd only) | 10.1141% | 1,239 |
| Net charge-offs to loans | -0.1342% | 6,886 |
| Credit loss provision to net charge-offs | -225.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7710% | 6,820 |
| Assets per employee ($millions) | 5.3498% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2398% | 1,796 |
| Loan loss allowance to noncurrent loans | 122.6190% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 1.6400% | 3,394 |
| Noncurrent loans to loans | 1.8266% | 3,369 |
| Net loans and leases to total assets | 86.2446% | 114 |
| Net loans and leases to deposits | 103.9424% | 255 |
| Net loans and leases to core deposits | 128.2064% | 213 |
| Total domestic deposits to total assets | 82.9734% | 4,937 |
| Equity capital to assets | 13.4933% | 1,242 |
| Core capital (leverage) ratio | 13.8396% | 844 |
| Tier 1 risk-based capital ratio | 18.3355% | 2,192 |
| Total risk-based capital ratio | 19.6034% | 2,156 |
| Memoranda: | ||
| Average total assets | $199,814,500 | 3,104 |
| Average earning assets | $186,455,500 | 3,059 |
| Average equity | $27,091,000 | 2,469 |
| Average total loans | $178,877,500 | 2,259 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 1,963 |
| Cost of funding earning assets | 0.9334% | 3,845 |
| Net interest margin | 4.2922% | 1,722 |
| Noninterest income to average assets | 0.8531% | 1,833 |
| Noninterest expense to average assets | 2.5598% | 5,252 |
| Loan and lease loss provision to assets | 0.3966% | 2,615 |
| Net operating income to assets | 1.1197% | 1,756 |
| Return on assets (ROA) | 1.1581% | 1,756 |
| Pretax return on assets | 1.9360% | 616 |
| Return on Equity (ROE) | 8.9070% | 2,493 |
| Retained earnings to average equity (ytd only) | 8.9070% | 832 |
| Net charge-offs to loans | 0.1562% | 4,892 |
| Credit loss provision to net charge-offs | 286.7647% | 827 |
| Earnings coverage of net charge-offs (x) | 16.4338% | 1,327 |
| Efficiency ratio | 52.9721% | 6,619 |
| Assets per employee ($millions) | 5.1667% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1423% | 1,910 |
| Loan loss allowance to noncurrent loans | 102.8525% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 1.9222% | 3,076 |
| Noncurrent loans to loans | 2.0829% | 3,090 |
| Net loans and leases to total assets | 88.9225% | 62 |
| Net loans and leases to deposits | 108.7777% | 193 |
| Net loans and leases to core deposits | 130.9614% | 230 |
| Total domestic deposits to total assets | 81.7470% | 5,213 |
| Equity capital to assets | 13.6252% | 1,205 |
| Core capital (leverage) ratio | 13.3740% | 1,015 |
| Tier 1 risk-based capital ratio | 17.7833% | 2,268 |
| Total risk-based capital ratio | 19.0492% | 2,239 |
| Memoranda: | ||
| Average total assets | $196,695,400 | 3,092 |
| Average earning assets | $182,352,400 | 3,058 |
| Average equity | $25,575,400 | 2,514 |
| Average total loans | $174,110,800 | 2,327 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2100% | 2,171 |
| Cost of funding earning assets | 0.9608% | 3,951 |
| Net interest margin | 4.2492% | 1,912 |
| Noninterest income to average assets | 0.7819% | 2,132 |
| Noninterest expense to average assets | 2.5110% | 5,428 |
| Loan and lease loss provision to assets | 0.3964% | 2,478 |
| Net operating income to assets | 1.0580% | 2,111 |
| Return on assets (ROA) | 1.1091% | 2,076 |
| Pretax return on assets | 1.8917% | 793 |
| Return on Equity (ROE) | 8.6332% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.6332% | 1,268 |
| Net charge-offs to loans | 0.1803% | 4,351 |
| Credit loss provision to net charge-offs | 250.0000% | 1,141 |
| Earnings coverage of net charge-offs (x) | 13.9274% | 1,571 |
| Efficiency ratio | 53.2089% | 6,573 |
| Assets per employee ($millions) | 5.2622% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0208% | 2,278 |
| Loan loss allowance to noncurrent loans | 68.1607% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 2.7250% | 2,382 |
| Noncurrent loans to loans | 2.9647% | 2,347 |
| Net loans and leases to total assets | 88.8674% | 56 |
| Net loans and leases to deposits | 106.7299% | 235 |
| Net loans and leases to core deposits | 138.9589% | 184 |
| Total domestic deposits to total assets | 83.2639% | 4,579 |
| Equity capital to assets | 13.0574% | 1,590 |
| Core capital (leverage) ratio | 12.9255% | 1,254 |
| Tier 1 risk-based capital ratio | 16.6952% | 2,766 |
| Total risk-based capital ratio | 17.9588% | 2,730 |
| Memoranda: | ||
| Average total assets | $196,785,500 | 3,110 |
| Average earning assets | $182,336,500 | 3,075 |
| Average equity | $25,281,500 | 2,542 |
| Average total loans | $173,036,500 | 2,352 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1678% | 2,386 |
| Cost of funding earning assets | 0.9891% | 4,021 |
| Net interest margin | 4.1786% | 2,124 |
| Noninterest income to average assets | 0.7449% | 2,283 |
| Noninterest expense to average assets | 2.4391% | 5,730 |
| Loan and lease loss provision to assets | 0.3985% | 2,425 |
| Net operating income to assets | 1.0581% | 2,012 |
| Return on assets (ROA) | 1.1353% | 1,844 |
| Pretax return on assets | 1.8914% | 724 |
| Return on Equity (ROE) | 8.8861% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.8861% | 1,147 |
| Net charge-offs to loans | 0.0998% | 4,680 |
| Credit loss provision to net charge-offs | 458.8235% | 666 |
| Earnings coverage of net charge-offs (x) | 24.9765% | 1,051 |
| Efficiency ratio | 52.9268% | 6,722 |
| Assets per employee ($millions) | 5.2649% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0278% | 2,292 |
| Loan loss allowance to noncurrent loans | 80.9439% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 2.2708% | 2,894 |
| Noncurrent loans to loans | 2.5052% | 2,882 |
| Net loans and leases to total assets | 87.3951% | 93 |
| Net loans and leases to deposits | 104.5704% | 302 |
| Net loans and leases to core deposits | 135.8404% | 213 |
| Total domestic deposits to total assets | 83.5753% | 4,513 |
| Equity capital to assets | 12.7878% | 1,629 |
| Core capital (leverage) ratio | 13.0328% | 1,149 |
| Tier 1 risk-based capital ratio | 16.2832% | 2,844 |
| Total risk-based capital ratio | 17.5460% | 2,806 |
| Memoranda: | ||
| Average total assets | $195,726,330 | 3,140 |
| Average earning assets | $180,967,670 | 3,119 |
| Average equity | $25,005,330 | 2,557 |
| Average total loans | $170,259,670 | 2,410 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0978% | 2,661 |
| Cost of funding earning assets | 1.0465% | 3,877 |
| Net interest margin | 4.0514% | 2,468 |
| Noninterest income to average assets | 0.7316% | 2,385 |
| Noninterest expense to average assets | 2.3848% | 5,931 |
| Loan and lease loss provision to assets | 0.4030% | 2,178 |
| Net operating income to assets | 1.0085% | 2,159 |
| Return on assets (ROA) | 1.0085% | 2,209 |
| Pretax return on assets | 1.6801% | 1,016 |
| Return on Equity (ROE) | 7.8977% | 2,959 |
| Retained earnings to average equity (ytd only) | 7.8977% | 1,775 |
| Net charge-offs to loans | 0.2383% | 3,123 |
| Credit loss provision to net charge-offs | 196.9697% | 1,505 |
| Earnings coverage of net charge-offs (x) | 10.1818% | 1,653 |
| Efficiency ratio | 53.3765% | 6,757 |
| Assets per employee ($millions) | 4.9527% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9988% | 2,422 |
| Loan loss allowance to noncurrent loans | 78.8439% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 2.2195% | 3,043 |
| Noncurrent loans to loans | 2.5351% | 2,949 |
| Net loans and leases to total assets | 84.3960% | 211 |
| Net loans and leases to deposits | 100.7023% | 432 |
| Net loans and leases to core deposits | 125.1158% | 324 |
| Total domestic deposits to total assets | 83.8074% | 4,566 |
| Equity capital to assets | 12.5991% | 1,572 |
| Core capital (leverage) ratio | 13.1353% | 1,078 |
| Tier 1 risk-based capital ratio | 16.0762% | 2,870 |
| Total risk-based capital ratio | 17.3377% | 2,838 |
| Memoranda: | ||
| Average total assets | $193,557,000 | 3,195 |
| Average earning assets | $178,507,000 | 3,177 |
| Average equity | $24,716,000 | 2,572 |
| Average total loans | $166,156,500 | 2,485 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 5,136 |
| Cost of funding earning assets | 1.2815% | 4,010 |
| Net interest margin | 3.5943% | 4,844 |
| Noninterest income to average assets | 1.0031% | 1,493 |
| Noninterest expense to average assets | 2.7043% | 4,970 |
| Loan and lease loss provision to assets | 0.4130% | 3,629 |
| Net operating income to assets | 0.7288% | 3,107 |
| Return on assets (ROA) | 0.7321% | 3,214 |
| Pretax return on assets | 1.1854% | 2,272 |
| Return on Equity (ROE) | 5.9836% | 3,616 |
| Retained earnings to average equity (ytd only) | 5.9836% | 1,828 |
| Net charge-offs to loans | 0.5867% | 3,274 |
| Credit loss provision to net charge-offs | 88.8889% | 5,173 |
| Earnings coverage of net charge-offs (x) | 3.4289% | 3,363 |
| Efficiency ratio | 62.9265% | 5,532 |
| Assets per employee ($millions) | 4.6099% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0494% | 2,178 |
| Loan loss allowance to noncurrent loans | 93.9875% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.9037% | 3,468 |
| Noncurrent loans to loans | 2.1805% | 3,337 |
| Net loans and leases to total assets | 83.8036% | 318 |
| Net loans and leases to deposits | 100.7083% | 539 |
| Net loans and leases to core deposits | 116.4141% | 630 |
| Total domestic deposits to total assets | 83.2142% | 4,703 |
| Equity capital to assets | 12.9478% | 1,412 |
| Core capital (leverage) ratio | 13.0589% | 1,110 |
| Tier 1 risk-based capital ratio | 15.4943% | 2,998 |
| Total risk-based capital ratio | 16.7538% | 2,957 |
| Memoranda: | ||
| Average total assets | $193,694,000 | 3,180 |
| Average earning assets | $177,529,400 | 3,150 |
| Average equity | $23,698,000 | 2,682 |
| Average total loans | $153,406,400 | 2,714 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 5,582 |
| Cost of funding earning assets | 1.3270% | 4,061 |
| Net interest margin | 3.4922% | 5,325 |
| Noninterest income to average assets | 0.9052% | 1,779 |
| Noninterest expense to average assets | 2.6472% | 5,124 |
| Loan and lease loss provision to assets | 0.3934% | 3,536 |
| Net operating income to assets | 0.6397% | 3,701 |
| Return on assets (ROA) | 0.6397% | 3,871 |
| Pretax return on assets | 1.0660% | 2,947 |
| Return on Equity (ROE) | 5.3038% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.3038% | 2,770 |
| Net charge-offs to loans | 0.7656% | 2,512 |
| Credit loss provision to net charge-offs | 66.1680% | 5,530 |
| Earnings coverage of net charge-offs (x) | 2.4545% | 3,943 |
| Efficiency ratio | 64.4618% | 5,165 |
| Assets per employee ($millions) | 4.0862% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0002% | 2,219 |
| Loan loss allowance to noncurrent loans | 124.0064% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 1.4444% | 4,287 |
| Noncurrent loans to loans | 1.6130% | 4,226 |
| Net loans and leases to total assets | 85.0210% | 261 |
| Net loans and leases to deposits | 103.2914% | 464 |
| Net loans and leases to core deposits | 120.5538% | 592 |
| Total domestic deposits to total assets | 82.3118% | 4,870 |
| Equity capital to assets | 13.3432% | 1,425 |
| Core capital (leverage) ratio | 12.1050% | 1,614 |
| Tier 1 risk-based capital ratio | 14.3992% | 3,571 |
| Total risk-based capital ratio | 15.6584% | 3,535 |
| Memoranda: | ||
| Average total assets | $194,866,250 | 3,207 |
| Average earning assets | $178,643,500 | 3,184 |
| Average equity | $23,504,500 | 2,750 |
| Average total loans | $151,331,250 | 2,787 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6397% | 6,341 |
| Cost of funding earning assets | 1.3526% | 4,179 |
| Net interest margin | 3.2871% | 6,056 |
| Noninterest income to average assets | 0.7504% | 2,389 |
| Noninterest expense to average assets | 2.4844% | 5,773 |
| Loan and lease loss provision to assets | 0.3002% | 3,991 |
| Net operating income to assets | 0.5903% | 3,918 |
| Return on assets (ROA) | 0.5903% | 4,059 |
| Pretax return on assets | 0.9835% | 3,183 |
| Return on Equity (ROE) | 5.0551% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.0551% | 2,875 |
| Net charge-offs to loans | 0.8359% | 2,169 |
| Credit loss provision to net charge-offs | 47.9233% | 5,463 |
| Earnings coverage of net charge-offs (x) | 2.0495% | 3,997 |
| Efficiency ratio | 65.9320% | 4,993 |
| Assets per employee ($millions) | 4.3583% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0847% | 1,994 |
| Loan loss allowance to noncurrent loans | 133.5640% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 1.2982% | 4,554 |
| Noncurrent loans to loans | 1.5608% | 4,371 |
| Net loans and leases to total assets | 77.3937% | 1,214 |
| Net loans and leases to deposits | 92.7912% | 1,423 |
| Net loans and leases to core deposits | 107.6179% | 1,333 |
| Total domestic deposits to total assets | 83.4063% | 4,388 |
| Equity capital to assets | 12.6169% | 1,731 |
| Core capital (leverage) ratio | 11.5637% | 1,873 |
| Tier 1 risk-based capital ratio | 14.6974% | 3,328 |
| Total risk-based capital ratio | 15.9577% | 3,294 |
| Memoranda: | ||
| Average total assets | $199,891,000 | 3,166 |
| Average earning assets | $183,504,000 | 3,157 |
| Average equity | $23,342,670 | 2,758 |
| Average total loans | $149,781,330 | 2,844 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 6,777 |
| Cost of funding earning assets | 1.4170% | 4,072 |
| Net interest margin | 3.0898% | 6,620 |
| Noninterest income to average assets | 0.7607% | 2,228 |
| Noninterest expense to average assets | 2.4140% | 6,036 |
| Loan and lease loss provision to assets | 0.2911% | 3,689 |
| Net operating income to assets | 0.5336% | 4,215 |
| Return on assets (ROA) | 0.5336% | 4,354 |
| Pretax return on assets | 0.8907% | 3,504 |
| Return on Equity (ROE) | 4.7431% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.7431% | 3,298 |
| Net charge-offs to loans | 1.4076% | 1,224 |
| Credit loss provision to net charge-offs | 28.3019% | 4,840 |
| Earnings coverage of net charge-offs (x) | 1.1491% | 4,078 |
| Efficiency ratio | 67.1344% | 4,888 |
| Assets per employee ($millions) | 4.1249% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0508% | 2,058 |
| Loan loss allowance to noncurrent loans | 94.0192% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 1.6371% | 4,029 |
| Noncurrent loans to loans | 2.1813% | 3,555 |
| Net loans and leases to total assets | 71.6932% | 2,523 |
| Net loans and leases to deposits | 85.1187% | 2,743 |
| Net loans and leases to core deposits | 100.9291% | 2,039 |
| Total domestic deposits to total assets | 84.2273% | 4,032 |
| Equity capital to assets | 11.5421% | 2,329 |
| Core capital (leverage) ratio | 10.5264% | 2,599 |
| Tier 1 risk-based capital ratio | 14.5628% | 3,346 |
| Total risk-based capital ratio | 15.8226% | 3,302 |
| Memoranda: | ||
| Average total assets | $206,132,500 | 3,142 |
| Average earning assets | $189,138,000 | 3,130 |
| Average equity | $23,191,500 | 2,806 |
| Average total loans | $150,607,000 | 2,886 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2858% | 5,252 |
| Cost of funding earning assets | 1.6488% | 4,801 |
| Net interest margin | 3.6369% | 4,399 |
| Noninterest income to average assets | 0.8329% | 2,258 |
| Noninterest expense to average assets | 3.2344% | 3,258 |
| Loan and lease loss provision to assets | 0.5815% | 3,472 |
| Net operating income to assets | 0.1710% | 4,994 |
| Return on assets (ROA) | -3.5527% | 7,524 |
| Pretax return on assets | -5.4444% | 7,756 |
| Return on Equity (ROE) | -33.7339% | 7,473 |
| Retained earnings to average equity (ytd only) | -33.7339% | 7,459 |
| Net charge-offs to loans | 0.1673% | 5,612 |
| Credit loss provision to net charge-offs | 451.1278% | 690 |
| Earnings coverage of net charge-offs (x) | 6.7180% | 2,303 |
| Efficiency ratio | 60.9903% | 6,333 |
| Assets per employee ($millions) | 4.8871% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2274% | 1,596 |
| Loan loss allowance to noncurrent loans | 161.8777% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 1.0236% | 5,058 |
| Noncurrent loans to loans | 1.3760% | 4,621 |
| Net loans and leases to total assets | 71.3125% | 2,923 |
| Net loans and leases to deposits | 83.9344% | 3,287 |
| Net loans and leases to core deposits | 101.0090% | 3,900 |
| Total domestic deposits to total assets | 84.9622% | 3,564 |
| Equity capital to assets | 10.9706% | 2,726 |
| Core capital (leverage) ratio | 9.8595% | 3,258 |
| Tier 1 risk-based capital ratio | 13.4454% | 3,856 |
| Total risk-based capital ratio | 14.7069% | 3,796 |
| Memoranda: | ||
| Average total assets | $206,376,200 | 3,103 |
| Average earning assets | $185,403,400 | 3,152 |
| Average equity | $21,734,800 | 2,980 |
| Average total loans | $159,007,200 | 2,776 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3810% | 5,035 |
| Cost of funding earning assets | 1.6954% | 4,921 |
| Net interest margin | 3.6856% | 4,135 |
| Noninterest income to average assets | 0.8450% | 2,223 |
| Noninterest expense to average assets | 2.3410% | 6,590 |
| Loan and lease loss provision to assets | 0.2921% | 4,640 |
| Net operating income to assets | 1.2109% | 1,440 |
| Return on assets (ROA) | -4.4049% | 7,790 |
| Pretax return on assets | -7.2696% | 7,970 |
| Return on Equity (ROE) | -42.2757% | 7,773 |
| Retained earnings to average equity (ytd only) | -42.2757% | 7,768 |
| Net charge-offs to loans | 0.1404% | 5,301 |
| Credit loss provision to net charge-offs | 266.2722% | 1,595 |
| Earnings coverage of net charge-offs (x) | 16.3845% | 1,473 |
| Efficiency ratio | 56.5715% | 6,925 |
| Assets per employee ($millions) | 4.4831% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 2,410 |
| Loan loss allowance to noncurrent loans | 129.3208% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 1.0353% | 5,007 |
| Noncurrent loans to loans | 1.3617% | 4,651 |
| Net loans and leases to total assets | 74.6877% | 2,317 |
| Net loans and leases to deposits | 88.0781% | 2,939 |
| Net loans and leases to core deposits | 107.5279% | 3,530 |
| Total domestic deposits to total assets | 84.7971% | 3,325 |
| Equity capital to assets | 11.2480% | 2,794 |
| Core capital (leverage) ratio | 8.4602% | 5,563 |
| Tier 1 risk-based capital ratio | 8.8700% | 7,663 |
| Total risk-based capital ratio | 10.1223% | 7,685 |
| Memoranda: | ||
| Average total assets | $205,434,250 | 3,139 |
| Average earning assets | $183,554,250 | 3,197 |
| Average equity | $21,405,000 | 3,041 |
| Average total loans | $160,440,750 | 2,779 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4795% | 4,737 |
| Cost of funding earning assets | 1.7253% | 5,147 |
| Net interest margin | 3.7542% | 3,737 |
| Noninterest income to average assets | 0.9543% | 1,744 |
| Noninterest expense to average assets | 2.3151% | 6,717 |
| Loan and lease loss provision to assets | 0.2924% | 4,230 |
| Net operating income to assets | 1.5527% | 748 |
| Return on assets (ROA) | -6.8821% | 8,039 |
| Pretax return on assets | -11.4704% | 8,131 |
| Return on Equity (ROE) | -67.8585% | 8,013 |
| Retained earnings to average equity (ytd only) | -67.8585% | 8,006 |
| Net charge-offs to loans | 0.2474% | 3,962 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | 10.2650% | 2,013 |
| Efficiency ratio | 53.6360% | 7,372 |
| Assets per employee ($millions) | 4.4131% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 2,576 |
| Loan loss allowance to noncurrent loans | 128.4221% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.9896% | 4,989 |
| Noncurrent loans to loans | 1.2762% | 4,646 |
| Net loans and leases to total assets | 76.2736% | 2,119 |
| Net loans and leases to deposits | 88.1062% | 3,152 |
| Net loans and leases to core deposits | 99.9755% | 4,515 |
| Total domestic deposits to total assets | 86.5701% | 2,472 |
| Equity capital to assets | 9.6019% | 4,485 |
| Core capital (leverage) ratio | 6.7920% | 7,660 |
| Tier 1 risk-based capital ratio | 7.0447% | 8,004 |
| Total risk-based capital ratio | 8.2958% | 8,011 |
| Memoranda: | ||
| Average total assets | $205,171,000 | 3,167 |
| Average earning assets | $183,739,000 | 3,217 |
| Average equity | $20,808,000 | 3,127 |
| Average total loans | $161,659,330 | 2,785 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5177% | 4,817 |
| Cost of funding earning assets | 1.7402% | 5,416 |
| Net interest margin | 3.7775% | 3,545 |
| Noninterest income to average assets | 0.9794% | 1,546 |
| Noninterest expense to average assets | 2.2748% | 6,616 |
| Loan and lease loss provision to assets | 0.2909% | 3,628 |
| Net operating income to assets | 2.1387% | 260 |
| Return on assets (ROA) | -14.6420% | 8,200 |
| Pretax return on assets | -24.4047% | 8,223 |
| Return on Equity (ROE) | -140.6876% | 8,174 |
| Retained earnings to average equity (ytd only) | -140.6876% | 8,172 |
| Net charge-offs to loans | 0.3346% | 2,753 |
| Credit loss provision to net charge-offs | 109.4891% | 3,517 |
| Earnings coverage of net charge-offs (x) | 7.9270% | 2,273 |
| Efficiency ratio | 51.9256% | 7,431 |
| Assets per employee ($millions) | 4.1425% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5523% | 2,714 |
| Loan loss allowance to noncurrent loans | 208.6192% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 5,653 |
| Noncurrent loans to loans | 0.7441% | 5,568 |
| Net loans and leases to total assets | 81.2046% | 1,155 |
| Net loans and leases to deposits | 93.6307% | 2,338 |
| Net loans and leases to core deposits | 106.5269% | 3,851 |
| Total domestic deposits to total assets | 86.7286% | 2,348 |
| Equity capital to assets | 9.3376% | 4,875 |
| Core capital (leverage) ratio | 5.9998% | 8,005 |
| Tier 1 risk-based capital ratio | 6.0927% | 8,139 |
| Total risk-based capital ratio | 7.3429% | 8,143 |
| Memoranda: | ||
| Average total assets | $206,255,500 | 3,164 |
| Average earning assets | $185,731,000 | 3,217 |
| Average equity | $21,466,000 | 3,050 |
| Average total loans | $163,780,500 | 2,785 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1787% | 4,622 |
| Cost of funding earning assets | 2.4537% | 4,452 |
| Net interest margin | 3.7250% | 4,360 |
| Noninterest income to average assets | 0.6680% | 3,349 |
| Noninterest expense to average assets | 2.7272% | 5,145 |
| Loan and lease loss provision to assets | 0.3876% | 3,367 |
| Net operating income to assets | 0.8042% | 3,419 |
| Return on assets (ROA) | -0.8095% | 7,046 |
| Pretax return on assets | -0.9692% | 6,984 |
| Return on Equity (ROE) | -7.0760% | 7,055 |
| Retained earnings to average equity (ytd only) | -7.0760% | 6,791 |
| Net charge-offs to loans | 0.1514% | 4,688 |
| Credit loss provision to net charge-offs | 329.0984% | 1,374 |
| Earnings coverage of net charge-offs (x) | 11.3730% | 2,378 |
| Efficiency ratio | 67.0623% | 4,897 |
| Assets per employee ($millions) | 4.6343% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 2,771 |
| Loan loss allowance to noncurrent loans | 243.6149% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 1.8520% | 2,667 |
| Noncurrent loans to loans | 0.6097% | 5,544 |
| Net loans and leases to total assets | 75.5163% | 2,754 |
| Net loans and leases to deposits | 88.8297% | 3,660 |
| Net loans and leases to core deposits | 105.1681% | 4,281 |
| Total domestic deposits to total assets | 85.0124% | 2,836 |
| Equity capital to assets | 11.3638% | 2,737 |
| Core capital (leverage) ratio | 11.4036% | 2,310 |
| Tier 1 risk-based capital ratio | 11.9542% | 4,859 |
| Total risk-based capital ratio | 13.1712% | 4,779 |
| Memoranda: | ||
| Average total assets | $207,175,200 | 3,040 |
| Average earning assets | $189,020,400 | 3,056 |
| Average equity | $23,699,800 | 2,765 |
| Average total loans | $161,129,400 | 2,757 |