Home > Hometown Bank > Performance and Condition Ratios
Hometown Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6639% | 2,761 |
| Cost of funding earning assets | 1.6351% | 1,601 |
| Net interest margin | 3.0288% | 3,224 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 3.6510% | 480 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 0.0871% | 4,264 |
| Return on assets (ROA) | 0.0839% | 4,292 |
| Pretax return on assets | -0.0581% | 4,387 |
| Return on Equity (ROE) | 1.3400% | 4,228 |
| Retained earnings to average equity (ytd only) | -3.3840% | 4,346 |
| Net charge-offs to loans | 0.0094% | 2,302 |
| Credit loss provision to net charge-offs | -1,163.1579% | 4,568 |
| Earnings coverage of net charge-offs (x) | -19.3158% | 4,561 |
| Efficiency ratio | 103.8603% | 151 |
| Assets per employee ($millions) | 4.3314% | 4,031 |
| Cash dividends to net income (ytd only)* | 352.4229% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 4,230 |
| Loan loss allowance to noncurrent loans | 69.4444% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.5041% | 252 |
| Noncurrent loans to loans | 0.8756% | 871 |
| Net loans and leases to total assets | 75.4700% | 1,178 |
| Net loans and leases to deposits | 91.3974% | 1,149 |
| Net loans and leases to core deposits | 108.0009% | 1,037 |
| Total domestic deposits to total assets | 82.5800% | 2,995 |
| Equity capital to assets | 6.5671% | 4,093 |
| Core capital (leverage) ratio | 7.8822% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1581% | 2,797 |
| Memoranda: | ||
| Average total assets | $270,449,200 | 2,575 |
| Average earning assets | $251,551,800 | 2,565 |
| Average equity | $16,932,400 | 3,100 |
| Average total loans | $203,015,400 | 2,266 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 2,553 |
| Cost of funding earning assets | 1.5526% | 1,475 |
| Net interest margin | 3.1084% | 3,124 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 3.6380% | 473 |
| Loan and lease loss provision to assets | -0.1100% | 4,548 |
| Net operating income to assets | 0.2851% | 4,129 |
| Return on assets (ROA) | 0.2797% | 4,143 |
| Pretax return on assets | 0.1509% | 4,302 |
| Return on Equity (ROE) | 4.5200% | 3,893 |
| Retained earnings to average equity (ytd only) | 1.3633% | 3,872 |
| Net charge-offs to loans | 0.0137% | 1,902 |
| Credit loss provision to net charge-offs | -1,119.0476% | 4,599 |
| Earnings coverage of net charge-offs (x) | 4.0476% | 2,416 |
| Efficiency ratio | 98.8722% | 190 |
| Assets per employee ($millions) | 4.4152% | 3,990 |
| Cash dividends to net income (ytd only)* | 69.8080% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5936% | 4,275 |
| Loan loss allowance to noncurrent loans | 65.3422% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.5037% | 247 |
| Noncurrent loans to loans | 0.9084% | 907 |
| Net loans and leases to total assets | 73.6300% | 1,384 |
| Net loans and leases to deposits | 87.6530% | 1,416 |
| Net loans and leases to core deposits | 106.0419% | 1,012 |
| Total domestic deposits to total assets | 84.0000% | 2,773 |
| Equity capital to assets | 6.2148% | 3,915 |
| Core capital (leverage) ratio | 7.8827% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9529% | 2,830 |
| Memoranda: | ||
| Average total assets | $273,110,750 | 2,565 |
| Average earning assets | $254,102,000 | 2,555 |
| Average equity | $16,919,250 | 3,088 |
| Average total loans | $204,432,250 | 2,260 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 2,769 |
| Cost of funding earning assets | 1.4579% | 1,319 |
| Net interest margin | 2.9934% | 3,447 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 3.6826% | 445 |
| Loan and lease loss provision to assets | -0.1100% | 4,574 |
| Net operating income to assets | 0.2158% | 4,260 |
| Return on assets (ROA) | 0.2077% | 4,291 |
| Pretax return on assets | 0.0015% | 4,443 |
| Return on Equity (ROE) | 3.3600% | 4,111 |
| Retained earnings to average equity (ytd only) | 1.0012% | 3,916 |
| Net charge-offs to loans | -0.0029% | 3,600 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 102.8502% | 144 |
| Assets per employee ($millions) | 4.3130% | 4,049 |
| Cash dividends to net income (ytd only)* | 70.1754% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6208% | 4,275 |
| Loan loss allowance to noncurrent loans | 78.6585% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4049% | 263 |
| Noncurrent loans to loans | 0.7892% | 962 |
| Net loans and leases to total assets | 74.8100% | 1,190 |
| Net loans and leases to deposits | 90.4935% | 1,146 |
| Net loans and leases to core deposits | 109.2531% | 860 |
| Total domestic deposits to total assets | 82.6700% | 3,110 |
| Equity capital to assets | 6.1388% | 4,112 |
| Core capital (leverage) ratio | 7.6780% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5101% | 2,908 |
| Memoranda: | ||
| Average total assets | $274,372,000 | 2,562 |
| Average earning assets | $255,298,000 | 2,552 |
| Average equity | $16,979,667 | 3,108 |
| Average total loans | $206,084,000 | 2,248 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3230% | 2,744 |
| Cost of funding earning assets | 1.3315% | 1,167 |
| Net interest margin | 2.9915% | 3,623 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 3.6835% | 448 |
| Loan and lease loss provision to assets | -0.2400% | 4,634 |
| Net operating income to assets | 0.2277% | 4,328 |
| Return on assets (ROA) | 0.2150% | 4,302 |
| Pretax return on assets | -0.2325% | 4,533 |
| Return on Equity (ROE) | 3.4600% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.4594% | 3,398 |
| Net charge-offs to loans | -0.0019% | 3,421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 114.2404% | 85 |
| Assets per employee ($millions) | 4.2889% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6193% | 4,336 |
| Loan loss allowance to noncurrent loans | 90.1130% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.3312% | 266 |
| Noncurrent loans to loans | 0.6872% | 1,101 |
| Net loans and leases to total assets | 74.6000% | 1,126 |
| Net loans and leases to deposits | 89.2705% | 1,111 |
| Net loans and leases to core deposits | 108.0001% | 755 |
| Total domestic deposits to total assets | 83.5600% | 3,184 |
| Equity capital to assets | 6.2906% | 4,109 |
| Core capital (leverage) ratio | 7.7955% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6384% | 2,983 |
| Memoranda: | ||
| Average total assets | $273,542,000 | 2,594 |
| Average earning assets | $254,455,000 | 2,585 |
| Average equity | $16,997,000 | 3,129 |
| Average total loans | $205,227,000 | 2,269 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7608% | 2,373 |
| Cost of funding earning assets | 0.5439% | 1,139 |
| Net interest margin | 3.2170% | 2,818 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 3.3406% | 593 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 0.2870% | 4,375 |
| Return on assets (ROA) | 0.2870% | 4,348 |
| Pretax return on assets | 0.3265% | 4,358 |
| Return on Equity (ROE) | 4.4000% | 4,098 |
| Retained earnings to average equity (ytd only) | 1.0403% | 4,189 |
| Net charge-offs to loans | 0.0143% | 1,850 |
| Credit loss provision to net charge-offs | -728.5714% | 4,650 |
| Earnings coverage of net charge-offs (x) | 24.6429% | 1,790 |
| Efficiency ratio | 92.9864% | 240 |
| Assets per employee ($millions) | 4.3269% | 4,130 |
| Cash dividends to net income (ytd only)* | 76.3359% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7045% | 4,205 |
| Loan loss allowance to noncurrent loans | 78.9041% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.4905% | 216 |
| Noncurrent loans to loans | 0.8928% | 831 |
| Net loans and leases to total assets | 74.4600% | 1,181 |
| Net loans and leases to deposits | 88.2445% | 1,157 |
| Net loans and leases to core deposits | 105.4614% | 767 |
| Total domestic deposits to total assets | 84.3800% | 3,131 |
| Equity capital to assets | 6.1363% | 4,038 |
| Core capital (leverage) ratio | 7.7256% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6827% | 3,012 |
| Memoranda: | ||
| Average total assets | $273,843,800 | 2,583 |
| Average earning assets | $255,582,000 | 2,573 |
| Average equity | $17,878,600 | 3,132 |
| Average total loans | $196,225,400 | 2,260 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5956% | 2,360 |
| Cost of funding earning assets | 0.4264% | 1,118 |
| Net interest margin | 3.1692% | 2,716 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 3.3566% | 548 |
| Loan and lease loss provision to assets | -0.1500% | 4,632 |
| Net operating income to assets | 0.3443% | 4,327 |
| Return on assets (ROA) | 0.3443% | 4,280 |
| Pretax return on assets | 0.3983% | 4,265 |
| Return on Equity (ROE) | 5.2000% | 3,942 |
| Retained earnings to average equity (ytd only) | 2.2605% | 3,967 |
| Net charge-offs to loans | 0.0192% | 1,453 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,718 |
| Earnings coverage of net charge-offs (x) | 18.5357% | 1,756 |
| Efficiency ratio | 93.0063% | 255 |
| Assets per employee ($millions) | 4.1788% | 4,236 |
| Cash dividends to net income (ytd only)* | 56.4972% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7307% | 4,207 |
| Loan loss allowance to noncurrent loans | 92.9287% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.4192% | 249 |
| Noncurrent loans to loans | 0.7863% | 1,022 |
| Net loans and leases to total assets | 73.1500% | 1,169 |
| Net loans and leases to deposits | 87.0808% | 1,096 |
| Net loans and leases to core deposits | 102.7916% | 707 |
| Total domestic deposits to total assets | 84.0000% | 3,509 |
| Equity capital to assets | 5.9899% | 3,972 |
| Core capital (leverage) ratio | 7.6530% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5486% | 3,097 |
| Memoranda: | ||
| Average total assets | $274,156,500 | 2,599 |
| Average earning assets | $256,086,250 | 2,596 |
| Average equity | $18,166,500 | 3,150 |
| Average total loans | $194,178,750 | 2,270 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4498% | 2,298 |
| Cost of funding earning assets | 0.3438% | 1,326 |
| Net interest margin | 3.1060% | 2,515 |
| Noninterest income to average assets | 0.7032% | 1,325 |
| Noninterest expense to average assets | 3.3603% | 504 |
| Loan and lease loss provision to assets | -0.2193% | 4,688 |
| Net operating income to assets | 0.3969% | 4,112 |
| Return on assets (ROA) | 0.3969% | 4,063 |
| Pretax return on assets | 0.4678% | 4,047 |
| Return on Equity (ROE) | 5.8027% | 3,626 |
| Retained earnings to average equity (ytd only) | 1.5282% | 3,874 |
| Net charge-offs to loans | 0.0262% | 1,191 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,587 |
| Earnings coverage of net charge-offs (x) | 13.6000% | 1,686 |
| Efficiency ratio | 93.1132% | 319 |
| Assets per employee ($millions) | 4.2397% | 4,245 |
| Cash dividends to net income (ytd only)* | 73.6648% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7456% | 4,267 |
| Loan loss allowance to noncurrent loans | 120.5835% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.2418% | 335 |
| Noncurrent loans to loans | 0.6183% | 1,372 |
| Net loans and leases to total assets | 71.8777% | 1,115 |
| Net loans and leases to deposits | 89.9893% | 720 |
| Net loans and leases to core deposits | 103.3060% | 538 |
| Total domestic deposits to total assets | 79.8736% | 4,238 |
| Equity capital to assets | 6.1358% | 4,161 |
| Core capital (leverage) ratio | 7.7854% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5296% | 3,067 |
| Memoranda: | ||
| Average total assets | $273,609,333 | 2,624 |
| Average earning assets | $255,953,333 | 2,624 |
| Average equity | $18,715,333 | 3,167 |
| Average total loans | $191,161,000 | 2,292 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3494% | 2,243 |
| Cost of funding earning assets | 0.3428% | 1,266 |
| Net interest margin | 3.0067% | 2,478 |
| Noninterest income to average assets | 0.7996% | 1,046 |
| Noninterest expense to average assets | 3.3497% | 496 |
| Loan and lease loss provision to assets | -0.4402% | 4,747 |
| Net operating income to assets | 0.5854% | 3,440 |
| Return on assets (ROA) | 0.5854% | 3,425 |
| Pretax return on assets | 0.7087% | 3,365 |
| Return on Equity (ROE) | 8.1352% | 2,631 |
| Retained earnings to average equity (ytd only) | 4.0574% | 2,913 |
| Net charge-offs to loans | 0.0556% | 744 |
| Credit loss provision to net charge-offs | -1,153.8462% | 3,287 |
| Earnings coverage of net charge-offs (x) | 7.0385% | 1,551 |
| Efficiency ratio | 92.5791% | 439 |
| Assets per employee ($millions) | 4.0193% | 4,392 |
| Cash dividends to net income (ytd only)* | 50.1253% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7811% | 4,275 |
| Loan loss allowance to noncurrent loans | 89.4768% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.4301% | 261 |
| Noncurrent loans to loans | 0.8729% | 1,072 |
| Net loans and leases to total assets | 70.1935% | 1,002 |
| Net loans and leases to deposits | 83.1591% | 939 |
| Net loans and leases to core deposits | 96.0707% | 654 |
| Total domestic deposits to total assets | 84.4086% | 3,673 |
| Equity capital to assets | 6.9056% | 4,255 |
| Core capital (leverage) ratio | 7.5562% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5247% | 2,975 |
| Memoranda: | ||
| Average total assets | $272,625,000 | 2,644 |
| Average earning assets | $255,566,500 | 2,647 |
| Average equity | $19,618,500 | 3,173 |
| Average total loans | $186,958,000 | 2,317 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6049% | 2,379 |
| Cost of funding earning assets | 0.4272% | 1,348 |
| Net interest margin | 3.1777% | 2,660 |
| Noninterest income to average assets | 1.2214% | 711 |
| Noninterest expense to average assets | 3.4652% | 504 |
| Loan and lease loss provision to assets | 0.0004% | 3,059 |
| Net operating income to assets | 0.6127% | 3,845 |
| Return on assets (ROA) | 0.6381% | 3,834 |
| Pretax return on assets | 0.7743% | 3,780 |
| Return on Equity (ROE) | 8.1411% | 3,176 |
| Retained earnings to average equity (ytd only) | 6.8925% | 1,966 |
| Net charge-offs to loans | -0.0598% | 4,405 |
| Credit loss provision to net charge-offs | -0.9174% | 3,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3289% | 653 |
| Assets per employee ($millions) | 4.2455% | 4,302 |
| Cash dividends to net income (ytd only)* | 15.3374% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 3,790 |
| Loan loss allowance to noncurrent loans | 97.2133% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.4622% | 290 |
| Noncurrent loans to loans | 1.0174% | 969 |
| Net loans and leases to total assets | 65.8030% | 1,490 |
| Net loans and leases to deposits | 78.5210% | 1,353 |
| Net loans and leases to core deposits | 91.0687% | 923 |
| Total domestic deposits to total assets | 83.8031% | 3,611 |
| Equity capital to assets | 7.4797% | 4,599 |
| Core capital (leverage) ratio | 7.7637% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7185% | 2,948 |
| Memoranda: | ||
| Average total assets | $255,451,800 | 2,688 |
| Average earning assets | $240,172,400 | 2,680 |
| Average equity | $20,021,800 | 3,217 |
| Average total loans | $182,124,400 | 2,369 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5846% | 2,599 |
| Cost of funding earning assets | 0.4571% | 1,306 |
| Net interest margin | 3.1276% | 2,973 |
| Noninterest income to average assets | 1.3097% | 690 |
| Noninterest expense to average assets | 3.5148% | 452 |
| Loan and lease loss provision to assets | 0.0004% | 2,958 |
| Net operating income to assets | 0.6062% | 3,997 |
| Return on assets (ROA) | 0.6408% | 3,981 |
| Pretax return on assets | 0.7776% | 3,931 |
| Return on Equity (ROE) | 8.0735% | 3,377 |
| Retained earnings to average equity (ytd only) | 6.3957% | 2,650 |
| Net charge-offs to loans | -0.0235% | 4,033 |
| Credit loss provision to net charge-offs | -3.1250% | 3,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6839% | 597 |
| Assets per employee ($millions) | 4.1677% | 4,349 |
| Cash dividends to net income (ytd only)* | 20.7814% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 4,016 |
| Loan loss allowance to noncurrent loans | 54.5569% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.4606% | 343 |
| Noncurrent loans to loans | 1.7356% | 575 |
| Net loans and leases to total assets | 69.1660% | 1,171 |
| Net loans and leases to deposits | 81.0751% | 1,183 |
| Net loans and leases to core deposits | 96.8586% | 707 |
| Total domestic deposits to total assets | 85.3110% | 3,013 |
| Equity capital to assets | 7.8720% | 4,572 |
| Core capital (leverage) ratio | 7.7980% | 4,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2997% | 2,904 |
| Memoranda: | ||
| Average total assets | $250,324,750 | 2,744 |
| Average earning assets | $235,407,000 | 2,733 |
| Average equity | $19,867,000 | 3,268 |
| Average total loans | $181,804,500 | 2,412 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5967% | 2,630 |
| Cost of funding earning assets | 0.4909% | 1,260 |
| Net interest margin | 3.1059% | 3,016 |
| Noninterest income to average assets | 1.6017% | 486 |
| Noninterest expense to average assets | 3.6192% | 400 |
| Loan and lease loss provision to assets | 0.1121% | 1,131 |
| Net operating income to assets | 0.6449% | 3,885 |
| Return on assets (ROA) | 0.6449% | 3,948 |
| Pretax return on assets | 0.7895% | 3,889 |
| Return on Equity (ROE) | 8.1022% | 3,381 |
| Retained earnings to average equity (ytd only) | 5.5511% | 2,977 |
| Net charge-offs to loans | -0.0353% | 4,223 |
| Credit loss provision to net charge-offs | -431.2500% | 3,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0575% | 776 |
| Assets per employee ($millions) | 4.0310% | 4,429 |
| Cash dividends to net income (ytd only)* | 31.4861% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 3,630 |
| Loan loss allowance to noncurrent loans | 56.6889% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.5582% | 350 |
| Noncurrent loans to loans | 1.8507% | 550 |
| Net loans and leases to total assets | 69.5611% | 1,253 |
| Net loans and leases to deposits | 81.8824% | 1,238 |
| Net loans and leases to core deposits | 98.5193% | 701 |
| Total domestic deposits to total assets | 84.9525% | 3,119 |
| Equity capital to assets | 7.8356% | 4,616 |
| Core capital (leverage) ratio | 7.7857% | 4,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6389% | 2,821 |
| Memoranda: | ||
| Average total assets | $246,245,000 | 2,763 |
| Average earning assets | $231,433,333 | 2,752 |
| Average equity | $19,599,667 | 3,283 |
| Average total loans | $181,292,333 | 2,428 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6499% | 2,497 |
| Cost of funding earning assets | 0.5550% | 1,070 |
| Net interest margin | 3.0948% | 3,005 |
| Noninterest income to average assets | 2.0941% | 351 |
| Noninterest expense to average assets | 3.7048% | 367 |
| Loan and lease loss provision to assets | 0.2063% | 585 |
| Net operating income to assets | 0.8779% | 3,188 |
| Return on assets (ROA) | 0.8779% | 3,269 |
| Pretax return on assets | 1.0908% | 3,133 |
| Return on Equity (ROE) | 10.9409% | 2,381 |
| Retained earnings to average equity (ytd only) | 5.7995% | 2,964 |
| Net charge-offs to loans | 0.0197% | 1,345 |
| Credit loss provision to net charge-offs | 1,388.8889% | 337 |
| Earnings coverage of net charge-offs (x) | 87.3333% | 667 |
| Efficiency ratio | 74.0680% | 1,303 |
| Assets per employee ($millions) | 3.7941% | 4,585 |
| Cash dividends to net income (ytd only)* | 46.9925% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,827 |
| Loan loss allowance to noncurrent loans | 53.0785% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.6633% | 351 |
| Noncurrent loans to loans | 1.8884% | 594 |
| Net loans and leases to total assets | 72.8487% | 915 |
| Net loans and leases to deposits | 85.8710% | 967 |
| Net loans and leases to core deposits | 102.0558% | 630 |
| Total domestic deposits to total assets | 84.8350% | 3,172 |
| Equity capital to assets | 7.8840% | 4,555 |
| Core capital (leverage) ratio | 7.9958% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4505% | 2,825 |
| Memoranda: | ||
| Average total assets | $242,390,000 | 2,779 |
| Average earning assets | $227,733,500 | 2,765 |
| Average equity | $19,450,000 | 3,285 |
| Average total loans | $182,675,000 | 2,424 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 2,422 |
| Cost of funding earning assets | 0.8482% | 1,026 |
| Net interest margin | 3.2528% | 3,201 |
| Noninterest income to average assets | 1.2869% | 687 |
| Noninterest expense to average assets | 3.4898% | 697 |
| Loan and lease loss provision to assets | 0.0660% | 3,552 |
| Net operating income to assets | 0.6322% | 3,644 |
| Return on assets (ROA) | 0.6362% | 3,757 |
| Pretax return on assets | 0.7779% | 3,683 |
| Return on Equity (ROE) | 7.8887% | 2,865 |
| Retained earnings to average equity (ytd only) | 6.5248% | 1,583 |
| Net charge-offs to loans | -0.0049% | 4,120 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6179% | 841 |
| Assets per employee ($millions) | 4.0367% | 4,347 |
| Cash dividends to net income (ytd only)* | 17.2891% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 4,108 |
| Loan loss allowance to noncurrent loans | 34.1693% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 2.3761% | 199 |
| Noncurrent loans to loans | 2.7105% | 349 |
| Net loans and leases to total assets | 76.4899% | 736 |
| Net loans and leases to deposits | 92.7920% | 731 |
| Net loans and leases to core deposits | 112.1935% | 452 |
| Total domestic deposits to total assets | 82.4316% | 3,555 |
| Equity capital to assets | 8.1695% | 4,634 |
| Core capital (leverage) ratio | 8.0723% | 4,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0424% | 2,909 |
| Memoranda: | ||
| Average total assets | $227,291,400 | 2,745 |
| Average earning assets | $212,557,600 | 2,729 |
| Average equity | $18,330,000 | 3,340 |
| Average total loans | $183,601,800 | 2,382 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 2,511 |
| Cost of funding earning assets | 0.9038% | 1,062 |
| Net interest margin | 3.2497% | 3,335 |
| Noninterest income to average assets | 1.1375% | 813 |
| Noninterest expense to average assets | 3.4441% | 761 |
| Loan and lease loss provision to assets | 0.0147% | 4,137 |
| Net operating income to assets | 0.5841% | 3,815 |
| Return on assets (ROA) | 0.5890% | 3,899 |
| Pretax return on assets | 0.7202% | 3,857 |
| Return on Equity (ROE) | 7.3283% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.3283% | 1,569 |
| Net charge-offs to loans | -0.0058% | 4,084 |
| Credit loss provision to net charge-offs | -312.5000% | 3,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5295% | 705 |
| Assets per employee ($millions) | 3.8805% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 4,301 |
| Loan loss allowance to noncurrent loans | 33.5819% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 2.3055% | 248 |
| Noncurrent loans to loans | 2.4558% | 431 |
| Net loans and leases to total assets | 81.3973% | 493 |
| Net loans and leases to deposits | 100.4702% | 518 |
| Net loans and leases to core deposits | 119.9837% | 415 |
| Total domestic deposits to total assets | 81.0164% | 3,661 |
| Equity capital to assets | 8.2536% | 4,602 |
| Core capital (leverage) ratio | 8.1125% | 4,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9250% | 3,098 |
| Memoranda: | ||
| Average total assets | $224,572,750 | 2,737 |
| Average earning assets | $209,779,000 | 2,730 |
| Average equity | $18,048,250 | 3,364 |
| Average total loans | $183,533,250 | 2,386 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2214% | 2,690 |
| Cost of funding earning assets | 0.9612% | 1,103 |
| Net interest margin | 3.2603% | 3,488 |
| Noninterest income to average assets | 1.0793% | 859 |
| Noninterest expense to average assets | 3.3928% | 863 |
| Loan and lease loss provision to assets | 0.0225% | 3,964 |
| Net operating income to assets | 0.5736% | 3,822 |
| Return on assets (ROA) | 0.5743% | 3,895 |
| Pretax return on assets | 0.7078% | 3,857 |
| Return on Equity (ROE) | 7.2146% | 3,049 |
| Retained earnings to average equity (ytd only) | 7.2146% | 1,561 |
| Net charge-offs to loans | -0.0155% | 4,332 |
| Credit loss provision to net charge-offs | -178.5714% | 3,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3053% | 741 |
| Assets per employee ($millions) | 3.9792% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 4,246 |
| Loan loss allowance to noncurrent loans | 45.8817% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.7269% | 481 |
| Noncurrent loans to loans | 1.8159% | 772 |
| Net loans and leases to total assets | 78.8664% | 743 |
| Net loans and leases to deposits | 96.8790% | 733 |
| Net loans and leases to core deposits | 119.3213% | 445 |
| Total domestic deposits to total assets | 81.4071% | 3,522 |
| Equity capital to assets | 7.8898% | 4,767 |
| Core capital (leverage) ratio | 7.9176% | 4,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0522% | 3,156 |
| Memoranda: | ||
| Average total assets | $221,819,667 | 2,739 |
| Average earning assets | $207,038,667 | 2,731 |
| Average equity | $17,658,667 | 3,399 |
| Average total loans | $181,012,667 | 2,394 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4275% | 2,514 |
| Cost of funding earning assets | 1.0358% | 1,278 |
| Net interest margin | 3.3916% | 3,318 |
| Noninterest income to average assets | 1.0649% | 751 |
| Noninterest expense to average assets | 3.7309% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3997% | 4,136 |
| Return on assets (ROA) | 0.4012% | 4,169 |
| Pretax return on assets | 0.4912% | 4,140 |
| Return on Equity (ROE) | 5.0148% | 3,625 |
| Retained earnings to average equity (ytd only) | 5.0148% | 2,272 |
| Net charge-offs to loans | -0.0045% | 3,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4052% | 565 |
| Assets per employee ($millions) | 3.6646% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 4,224 |
| Loan loss allowance to noncurrent loans | 47.6132% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.7838% | 518 |
| Noncurrent loans to loans | 1.8245% | 819 |
| Net loans and leases to total assets | 80.2363% | 669 |
| Net loans and leases to deposits | 98.5443% | 654 |
| Net loans and leases to core deposits | 124.5459% | 357 |
| Total domestic deposits to total assets | 81.4215% | 3,567 |
| Equity capital to assets | 7.7604% | 5,009 |
| Core capital (leverage) ratio | 8.1706% | 4,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2257% | 3,293 |
| Memoranda: | ||
| Average total assets | $213,353,500 | 2,764 |
| Average earning assets | $198,487,500 | 2,754 |
| Average equity | $17,069,500 | 3,464 |
| Average total loans | $176,580,500 | 2,393 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 2,130 |
| Cost of funding earning assets | 1.0273% | 1,612 |
| Net interest margin | 3.7453% | 2,675 |
| Noninterest income to average assets | 0.7725% | 1,537 |
| Noninterest expense to average assets | 3.7792% | 690 |
| Loan and lease loss provision to assets | 0.0122% | 3,771 |
| Net operating income to assets | 0.4323% | 4,540 |
| Return on assets (ROA) | 0.4695% | 4,508 |
| Pretax return on assets | 0.5066% | 4,565 |
| Return on Equity (ROE) | 5.6610% | 4,017 |
| Retained earnings to average equity (ytd only) | 0.4825% | 4,548 |
| Net charge-offs to loans | 0.0169% | 3,111 |
| Credit loss provision to net charge-offs | 86.2069% | 2,707 |
| Earnings coverage of net charge-offs (x) | 33.8276% | 1,463 |
| Efficiency ratio | 88.7564% | 406 |
| Assets per employee ($millions) | 3.4472% | 4,526 |
| Cash dividends to net income (ytd only)* | 91.4761% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 4,048 |
| Loan loss allowance to noncurrent loans | 44.9098% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 2.0350% | 381 |
| Noncurrent loans to loans | 1.9624% | 658 |
| Net loans and leases to total assets | 83.9577% | 323 |
| Net loans and leases to deposits | 103.4807% | 402 |
| Net loans and leases to core deposits | 126.6320% | 332 |
| Total domestic deposits to total assets | 81.1337% | 3,736 |
| Equity capital to assets | 8.2559% | 4,995 |
| Core capital (leverage) ratio | 8.2473% | 4,962 |
| Tier 1 risk-based capital ratio | 10.3645% | 5,062 |
| Total risk-based capital ratio | 11.3057% | 5,071 |
| Memoranda: | ||
| Average total assets | $204,911,400 | 2,804 |
| Average earning assets | $190,693,600 | 2,794 |
| Average equity | $16,993,600 | 3,435 |
| Average total loans | $171,883,600 | 2,398 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8051% | 2,104 |
| Cost of funding earning assets | 1.0173% | 1,694 |
| Net interest margin | 3.7877% | 2,636 |
| Noninterest income to average assets | 0.8035% | 1,407 |
| Noninterest expense to average assets | 3.6934% | 753 |
| Loan and lease loss provision to assets | 0.0163% | 3,582 |
| Net operating income to assets | 0.5684% | 4,374 |
| Return on assets (ROA) | 0.6170% | 4,300 |
| Pretax return on assets | 0.6724% | 4,406 |
| Return on Equity (ROE) | 7.4312% | 3,535 |
| Retained earnings to average equity (ytd only) | 5.3574% | 2,701 |
| Net charge-offs to loans | 0.0242% | 2,623 |
| Credit loss provision to net charge-offs | 80.6452% | 2,497 |
| Earnings coverage of net charge-offs (x) | 31.4534% | 1,583 |
| Efficiency ratio | 85.3118% | 533 |
| Assets per employee ($millions) | 3.3015% | 4,667 |
| Cash dividends to net income (ytd only)* | 27.9069% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8864% | 4,102 |
| Loan loss allowance to noncurrent loans | 48.6751% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.9254% | 475 |
| Noncurrent loans to loans | 1.8211% | 779 |
| Net loans and leases to total assets | 84.2865% | 319 |
| Net loans and leases to deposits | 106.6489% | 298 |
| Net loans and leases to core deposits | 128.1330% | 329 |
| Total domestic deposits to total assets | 79.0317% | 4,182 |
| Equity capital to assets | 8.5168% | 4,994 |
| Core capital (leverage) ratio | 8.5529% | 4,920 |
| Tier 1 risk-based capital ratio | 10.7130% | 5,015 |
| Total risk-based capital ratio | 11.6633% | 5,029 |
| Memoranda: | ||
| Average total assets | $204,430,750 | 2,826 |
| Average earning assets | $190,294,000 | 2,815 |
| Average equity | $16,973,000 | 3,458 |
| Average total loans | $171,055,250 | 2,434 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7613% | 2,184 |
| Cost of funding earning assets | 1.0038% | 1,679 |
| Net interest margin | 3.7575% | 2,728 |
| Noninterest income to average assets | 0.9190% | 1,039 |
| Noninterest expense to average assets | 3.8220% | 644 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4837% | 4,565 |
| Return on assets (ROA) | 0.4806% | 4,605 |
| Pretax return on assets | 0.5921% | 4,559 |
| Return on Equity (ROE) | 5.8384% | 4,101 |
| Retained earnings to average equity (ytd only) | 4.1856% | 3,157 |
| Net charge-offs to loans | 0.0035% | 3,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 387 |
| Efficiency ratio | 86.5086% | 518 |
| Assets per employee ($millions) | 3.4811% | 4,519 |
| Cash dividends to net income (ytd only)* | 28.3096% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 4,065 |
| Loan loss allowance to noncurrent loans | 46.3568% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 1.9524% | 481 |
| Noncurrent loans to loans | 1.9549% | 740 |
| Net loans and leases to total assets | 82.3117% | 558 |
| Net loans and leases to deposits | 102.5514% | 511 |
| Net loans and leases to core deposits | 122.6885% | 469 |
| Total domestic deposits to total assets | 80.2638% | 3,984 |
| Equity capital to assets | 8.3302% | 5,106 |
| Core capital (leverage) ratio | 8.3108% | 5,054 |
| Tier 1 risk-based capital ratio | 10.7279% | 5,027 |
| Total risk-based capital ratio | 11.6999% | 5,040 |
| Memoranda: | ||
| Average total assets | $204,344,330 | 2,837 |
| Average earning assets | $190,284,670 | 2,826 |
| Average equity | $16,819,670 | 3,481 |
| Average total loans | $170,050,670 | 2,453 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 2,222 |
| Cost of funding earning assets | 0.9878% | 1,621 |
| Net interest margin | 3.7132% | 2,847 |
| Noninterest income to average assets | 0.4416% | 2,902 |
| Noninterest expense to average assets | 3.6502% | 801 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2159% | 5,001 |
| Return on assets (ROA) | 0.2159% | 5,007 |
| Pretax return on assets | 0.2512% | 4,999 |
| Return on Equity (ROE) | 2.6387% | 4,862 |
| Retained earnings to average equity (ytd only) | 2.6387% | 3,877 |
| Net charge-offs to loans | -0.0071% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5614% | 289 |
| Assets per employee ($millions) | 3.4602% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 4,078 |
| Loan loss allowance to noncurrent loans | 43.2192% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 2.0896% | 442 |
| Noncurrent loans to loans | 2.1280% | 680 |
| Net loans and leases to total assets | 81.8990% | 600 |
| Net loans and leases to deposits | 101.1286% | 549 |
| Net loans and leases to core deposits | 125.3646% | 394 |
| Total domestic deposits to total assets | 80.9849% | 3,972 |
| Equity capital to assets | 8.2139% | 5,124 |
| Core capital (leverage) ratio | 8.3189% | 5,098 |
| Tier 1 risk-based capital ratio | 10.7319% | 5,093 |
| Total risk-based capital ratio | 11.7220% | 5,094 |
| Memoranda: | ||
| Average total assets | $203,824,500 | 2,864 |
| Average earning assets | $189,917,000 | 2,853 |
| Average equity | $16,675,000 | 3,511 |
| Average total loans | $169,775,500 | 2,480 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5790% | 2,196 |
| Cost of funding earning assets | 0.7415% | 1,841 |
| Net interest margin | 3.8375% | 2,543 |
| Noninterest income to average assets | 0.6666% | 1,981 |
| Noninterest expense to average assets | 3.6480% | 824 |
| Loan and lease loss provision to assets | 0.0435% | 3,315 |
| Net operating income to assets | 0.2024% | 5,107 |
| Return on assets (ROA) | 0.2024% | 5,105 |
| Pretax return on assets | 0.5388% | 4,741 |
| Return on Equity (ROE) | 2.4161% | 4,989 |
| Retained earnings to average equity (ytd only) | 0.2807% | 4,910 |
| Net charge-offs to loans | -0.0142% | 4,597 |
| Credit loss provision to net charge-offs | -369.5652% | 4,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2356% | 514 |
| Assets per employee ($millions) | 3.4491% | 4,607 |
| Cash dividends to net income (ytd only)* | 88.3838% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 4,125 |
| Loan loss allowance to noncurrent loans | 37.8729% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 2.3416% | 347 |
| Noncurrent loans to loans | 2.3946% | 525 |
| Net loans and leases to total assets | 83.1716% | 497 |
| Net loans and leases to deposits | 103.2188% | 526 |
| Net loans and leases to core deposits | 125.8570% | 400 |
| Total domestic deposits to total assets | 80.5779% | 3,979 |
| Equity capital to assets | 8.1481% | 5,111 |
| Core capital (leverage) ratio | 8.2272% | 5,158 |
| Tier 1 risk-based capital ratio | 10.6203% | 5,136 |
| Total risk-based capital ratio | 11.6047% | 5,140 |
| Memoranda: | ||
| Average total assets | $195,613,600 | 2,909 |
| Average earning assets | $181,656,200 | 2,901 |
| Average equity | $16,390,000 | 3,474 |
| Average total loans | $161,604,400 | 2,505 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 2,254 |
| Cost of funding earning assets | 0.6666% | 2,053 |
| Net interest margin | 3.8465% | 2,481 |
| Noninterest income to average assets | 0.5818% | 2,407 |
| Noninterest expense to average assets | 3.5948% | 859 |
| Loan and lease loss provision to assets | 0.0241% | 3,534 |
| Net operating income to assets | 0.1095% | 5,251 |
| Return on assets (ROA) | 0.1095% | 5,243 |
| Pretax return on assets | 0.5309% | 4,855 |
| Return on Equity (ROE) | 1.2972% | 5,205 |
| Retained earnings to average equity (ytd only) | -1.5583% | 5,168 |
| Net charge-offs to loans | -0.0193% | 4,612 |
| Credit loss provision to net charge-offs | -152.1739% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6268% | 483 |
| Assets per employee ($millions) | 3.4404% | 4,637 |
| Cash dividends to net income (ytd only)* | 220.1330% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8787% | 4,346 |
| Loan loss allowance to noncurrent loans | 42.1186% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 2.1900% | 452 |
| Noncurrent loans to loans | 2.0863% | 688 |
| Net loans and leases to total assets | 84.7373% | 378 |
| Net loans and leases to deposits | 104.6356% | 512 |
| Net loans and leases to core deposits | 127.1556% | 391 |
| Total domestic deposits to total assets | 80.9832% | 3,871 |
| Equity capital to assets | 8.1546% | 5,108 |
| Core capital (leverage) ratio | 8.2301% | 5,232 |
| Tier 1 risk-based capital ratio | 10.4102% | 5,269 |
| Total risk-based capital ratio | 11.3574% | 5,299 |
| Memoranda: | ||
| Average total assets | $193,643,250 | 2,949 |
| Average earning assets | $179,620,250 | 2,948 |
| Average equity | $16,342,250 | 3,497 |
| Average total loans | $159,305,750 | 2,540 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4078% | 2,386 |
| Cost of funding earning assets | 0.5800% | 2,362 |
| Net interest margin | 3.8278% | 2,468 |
| Noninterest income to average assets | 0.5276% | 2,707 |
| Noninterest expense to average assets | 3.6137% | 855 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.1178% | 5,383 |
| Return on assets (ROA) | -0.1178% | 5,379 |
| Pretax return on assets | 0.4577% | 4,976 |
| Return on Equity (ROE) | -1.3809% | 5,390 |
| Retained earnings to average equity (ytd only) | -5.6582% | 5,315 |
| Net charge-offs to loans | -0.0681% | 5,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7580% | 418 |
| Assets per employee ($millions) | 3.3615% | 4,757 |
| Cash dividends to net income (ytd only)* | -309.7345% | 5,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 4,262 |
| Loan loss allowance to noncurrent loans | 39.5337% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 1.9357% | 566 |
| Noncurrent loans to loans | 2.3193% | 585 |
| Net loans and leases to total assets | 82.6956% | 627 |
| Net loans and leases to deposits | 99.3622% | 850 |
| Net loans and leases to core deposits | 117.0021% | 667 |
| Total domestic deposits to total assets | 83.2265% | 3,346 |
| Equity capital to assets | 8.2398% | 5,109 |
| Core capital (leverage) ratio | 8.3340% | 5,195 |
| Tier 1 risk-based capital ratio | 10.7051% | 5,191 |
| Total risk-based capital ratio | 11.6910% | 5,198 |
| Memoranda: | ||
| Average total assets | $191,826,000 | 2,989 |
| Average earning assets | $177,593,330 | 2,985 |
| Average equity | $16,365,670 | 3,518 |
| Average total loans | $155,545,000 | 2,600 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 2,461 |
| Cost of funding earning assets | 0.4970% | 2,818 |
| Net interest margin | 3.8193% | 2,340 |
| Noninterest income to average assets | 0.5172% | 2,708 |
| Noninterest expense to average assets | 3.6330% | 833 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2859% | 5,119 |
| Return on assets (ROA) | 0.2859% | 5,122 |
| Pretax return on assets | 0.4226% | 4,998 |
| Return on Equity (ROE) | 3.2938% | 4,953 |
| Retained earnings to average equity (ytd only) | -1.5500% | 4,968 |
| Net charge-offs to loans | -0.1448% | 5,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5801% | 462 |
| Assets per employee ($millions) | 3.3472% | 4,847 |
| Cash dividends to net income (ytd only)* | 147.0588% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 4,113 |
| Loan loss allowance to noncurrent loans | 38.7406% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 2.4354% | 392 |
| Noncurrent loans to loans | 2.5056% | 546 |
| Net loans and leases to total assets | 78.5630% | 1,149 |
| Net loans and leases to deposits | 95.2613% | 1,100 |
| Net loans and leases to core deposits | 114.7959% | 766 |
| Total domestic deposits to total assets | 82.4711% | 3,823 |
| Equity capital to assets | 8.4755% | 4,993 |
| Core capital (leverage) ratio | 8.9170% | 4,781 |
| Tier 1 risk-based capital ratio | 11.5814% | 4,821 |
| Total risk-based capital ratio | 12.6244% | 4,838 |
| Memoranda: | ||
| Average total assets | $190,255,000 | 3,032 |
| Average earning assets | $176,261,500 | 3,030 |
| Average equity | $16,516,000 | 3,526 |
| Average total loans | $151,956,500 | 2,664 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2819% | 2,391 |
| Cost of funding earning assets | 0.4606% | 2,681 |
| Net interest margin | 3.8212% | 2,350 |
| Noninterest income to average assets | 0.6574% | 2,155 |
| Noninterest expense to average assets | 3.7055% | 782 |
| Loan and lease loss provision to assets | 0.0489% | 3,246 |
| Net operating income to assets | 0.3322% | 4,869 |
| Return on assets (ROA) | 0.3322% | 4,890 |
| Pretax return on assets | 0.4477% | 5,021 |
| Return on Equity (ROE) | 3.7380% | 4,587 |
| Retained earnings to average equity (ytd only) | 1.4698% | 4,416 |
| Net charge-offs to loans | 0.7828% | 260 |
| Credit loss provision to net charge-offs | 7.8246% | 3,677 |
| Earnings coverage of net charge-offs (x) | 0.7945% | 3,965 |
| Efficiency ratio | 88.1811% | 525 |
| Assets per employee ($millions) | 3.2133% | 5,017 |
| Cash dividends to net income (ytd only)* | 60.6796% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 4,160 |
| Loan loss allowance to noncurrent loans | 34.8500% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.6779% | 325 |
| Noncurrent loans to loans | 2.7565% | 440 |
| Net loans and leases to total assets | 79.6565% | 1,009 |
| Net loans and leases to deposits | 92.8809% | 1,399 |
| Net loans and leases to core deposits | 111.3571% | 932 |
| Total domestic deposits to total assets | 85.7620% | 2,549 |
| Equity capital to assets | 8.8950% | 4,821 |
| Core capital (leverage) ratio | 8.9791% | 4,671 |
| Tier 1 risk-based capital ratio | 11.9595% | 4,558 |
| Total risk-based capital ratio | 12.9972% | 4,570 |
| Memoranda: | ||
| Average total assets | $186,046,400 | 3,060 |
| Average earning assets | $172,588,400 | 3,040 |
| Average equity | $16,532,800 | 3,534 |
| Average total loans | $148,577,800 | 2,669 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 2,397 |
| Cost of funding earning assets | 0.4481% | 2,733 |
| Net interest margin | 3.8111% | 2,359 |
| Noninterest income to average assets | 0.6983% | 2,008 |
| Noninterest expense to average assets | 3.7196% | 754 |
| Loan and lease loss provision to assets | 0.0473% | 3,156 |
| Net operating income to assets | 0.3384% | 5,140 |
| Return on assets (ROA) | 0.3384% | 5,169 |
| Pretax return on assets | 0.4682% | 5,088 |
| Return on Equity (ROE) | 3.8091% | 4,914 |
| Retained earnings to average equity (ytd only) | 2.3968% | 4,452 |
| Net charge-offs to loans | 1.0523% | 165 |
| Credit loss provision to net charge-offs | 5.6410% | 3,248 |
| Earnings coverage of net charge-offs (x) | 0.6145% | 3,650 |
| Efficiency ratio | 87.8280% | 520 |
| Assets per employee ($millions) | 3.2039% | 5,058 |
| Cash dividends to net income (ytd only)* | 37.0765% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9531% | 4,308 |
| Loan loss allowance to noncurrent loans | 34.5955% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 2.6509% | 382 |
| Noncurrent loans to loans | 2.7550% | 506 |
| Net loans and leases to total assets | 78.6844% | 1,166 |
| Net loans and leases to deposits | 92.0008% | 1,564 |
| Net loans and leases to core deposits | 106.5349% | 1,236 |
| Total domestic deposits to total assets | 85.5257% | 2,508 |
| Equity capital to assets | 9.0057% | 4,907 |
| Core capital (leverage) ratio | 9.0733% | 4,660 |
| Tier 1 risk-based capital ratio | 12.1153% | 4,539 |
| Total risk-based capital ratio | 13.1375% | 4,586 |
| Memoranda: | ||
| Average total assets | $185,964,500 | 3,085 |
| Average earning assets | $172,580,250 | 3,069 |
| Average equity | $16,521,500 | 3,567 |
| Average total loans | $148,247,500 | 2,686 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 2,464 |
| Cost of funding earning assets | 0.4400% | 2,691 |
| Net interest margin | 3.7624% | 2,428 |
| Noninterest income to average assets | 0.7440% | 1,796 |
| Noninterest expense to average assets | 3.8288% | 650 |
| Loan and lease loss provision to assets | 0.0710% | 2,555 |
| Net operating income to assets | 0.2441% | 5,331 |
| Return on assets (ROA) | 0.2441% | 5,349 |
| Pretax return on assets | 0.3376% | 5,289 |
| Return on Equity (ROE) | 2.7598% | 5,179 |
| Retained earnings to average equity (ytd only) | 1.8480% | 4,509 |
| Net charge-offs to loans | 1.5789% | 109 |
| Credit loss provision to net charge-offs | 5.6314% | 2,879 |
| Earnings coverage of net charge-offs (x) | 0.3242% | 3,388 |
| Efficiency ratio | 90.3578% | 434 |
| Assets per employee ($millions) | 3.1591% | 5,139 |
| Cash dividends to net income (ytd only)* | 33.0396% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 4,380 |
| Loan loss allowance to noncurrent loans | 32.8581% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 2.7567% | 359 |
| Noncurrent loans to loans | 2.9139% | 455 |
| Net loans and leases to total assets | 78.0336% | 1,243 |
| Net loans and leases to deposits | 91.3845% | 1,566 |
| Net loans and leases to core deposits | 106.0443% | 1,231 |
| Total domestic deposits to total assets | 85.3905% | 2,654 |
| Equity capital to assets | 8.8993% | 4,987 |
| Core capital (leverage) ratio | 8.9729% | 4,756 |
| Tier 1 risk-based capital ratio | 12.0718% | 4,589 |
| Total risk-based capital ratio | 13.0984% | 4,622 |
| Memoranda: | ||
| Average total assets | $186,010,670 | 3,095 |
| Average earning assets | $172,708,000 | 3,076 |
| Average equity | $16,450,330 | 3,584 |
| Average total loans | $148,455,670 | 2,693 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 2,321 |
| Cost of funding earning assets | 0.4426% | 2,590 |
| Net interest margin | 3.7426% | 2,339 |
| Noninterest income to average assets | 0.7362% | 1,800 |
| Noninterest expense to average assets | 3.9758% | 554 |
| Loan and lease loss provision to assets | 0.0538% | 2,726 |
| Net operating income to assets | 0.1313% | 5,478 |
| Return on assets (ROA) | 0.1313% | 5,487 |
| Pretax return on assets | 0.1830% | 5,454 |
| Return on Equity (ROE) | 1.4894% | 5,427 |
| Retained earnings to average equity (ytd only) | 1.4894% | 4,506 |
| Net charge-offs to loans | 2.7415% | 62 |
| Credit loss provision to net charge-offs | 2.4438% | 2,268 |
| Earnings coverage of net charge-offs (x) | 0.1075% | 2,846 |
| Efficiency ratio | 94.3792% | 367 |
| Assets per employee ($millions) | 2.9832% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 4,073 |
| Loan loss allowance to noncurrent loans | 35.1766% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 2.7914% | 379 |
| Noncurrent loans to loans | 2.9364% | 480 |
| Net loans and leases to total assets | 78.4275% | 1,071 |
| Net loans and leases to deposits | 92.0886% | 1,322 |
| Net loans and leases to core deposits | 106.4622% | 1,069 |
| Total domestic deposits to total assets | 85.1653% | 3,019 |
| Equity capital to assets | 8.8858% | 4,919 |
| Core capital (leverage) ratio | 8.8276% | 4,929 |
| Tier 1 risk-based capital ratio | 12.1426% | 4,626 |
| Total risk-based capital ratio | 13.2616% | 4,606 |
| Memoranda: | ||
| Average total assets | $185,823,500 | 3,134 |
| Average earning assets | $172,606,500 | 3,102 |
| Average equity | $16,382,000 | 3,618 |
| Average total loans | $149,259,000 | 2,709 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 1,943 |
| Cost of funding earning assets | 0.4220% | 2,791 |
| Net interest margin | 3.9404% | 1,819 |
| Noninterest income to average assets | 0.7687% | 1,889 |
| Noninterest expense to average assets | 3.6611% | 929 |
| Loan and lease loss provision to assets | 0.0691% | 2,973 |
| Net operating income to assets | 0.4913% | 4,665 |
| Return on assets (ROA) | 0.4913% | 4,739 |
| Pretax return on assets | 0.7024% | 4,476 |
| Return on Equity (ROE) | 5.4341% | 4,222 |
| Retained earnings to average equity (ytd only) | 1.1553% | 4,831 |
| Net charge-offs to loans | 0.2151% | 1,285 |
| Credit loss provision to net charge-offs | 39.6825% | 3,497 |
| Earnings coverage of net charge-offs (x) | 4.4317% | 3,504 |
| Efficiency ratio | 82.5957% | 1,133 |
| Assets per employee ($millions) | 3.0111% | 5,353 |
| Cash dividends to net income (ytd only)* | 78.7402% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 1,245 |
| Loan loss allowance to noncurrent loans | 59.1476% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 2.8020% | 390 |
| Noncurrent loans to loans | 2.7951% | 521 |
| Net loans and leases to total assets | 80.0444% | 892 |
| Net loans and leases to deposits | 95.8396% | 1,013 |
| Net loans and leases to core deposits | 108.7386% | 977 |
| Total domestic deposits to total assets | 83.5191% | 3,596 |
| Equity capital to assets | 8.7466% | 5,069 |
| Core capital (leverage) ratio | 8.7989% | 4,967 |
| Tier 1 risk-based capital ratio | 11.6876% | 4,932 |
| Total risk-based capital ratio | 12.9449% | 4,832 |
| Memoranda: | ||
| Average total assets | $180,959,000 | 3,152 |
| Average earning assets | $168,255,200 | 3,138 |
| Average equity | $16,359,600 | 3,645 |
| Average total loans | $146,455,400 | 2,687 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 1,997 |
| Cost of funding earning assets | 0.4122% | 2,910 |
| Net interest margin | 3.9389% | 1,859 |
| Noninterest income to average assets | 0.7909% | 1,800 |
| Noninterest expense to average assets | 3.6696% | 894 |
| Loan and lease loss provision to assets | 0.0557% | 3,135 |
| Net operating income to assets | 0.5050% | 4,681 |
| Return on assets (ROA) | 0.5050% | 4,779 |
| Pretax return on assets | 0.7278% | 4,536 |
| Return on Equity (ROE) | 5.5394% | 4,296 |
| Retained earnings to average equity (ytd only) | -0.1629% | 5,384 |
| Net charge-offs to loans | 0.0570% | 2,550 |
| Credit loss provision to net charge-offs | 120.9677% | 2,076 |
| Earnings coverage of net charge-offs (x) | 17.0171% | 2,080 |
| Efficiency ratio | 82.4049% | 1,148 |
| Assets per employee ($millions) | 3.0625% | 5,330 |
| Cash dividends to net income (ytd only)* | 102.9416% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8051% | 1,006 |
| Loan loss allowance to noncurrent loans | 48.4216% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 3.5870% | 267 |
| Noncurrent loans to loans | 3.7279% | 324 |
| Net loans and leases to total assets | 80.3774% | 840 |
| Net loans and leases to deposits | 96.8402% | 967 |
| Net loans and leases to core deposits | 108.8709% | 997 |
| Total domestic deposits to total assets | 83.0000% | 3,596 |
| Equity capital to assets | 8.8469% | 5,289 |
| Core capital (leverage) ratio | 8.8567% | 4,998 |
| Tier 1 risk-based capital ratio | 11.6567% | 5,009 |
| Total risk-based capital ratio | 12.9155% | 4,900 |
| Memoranda: | ||
| Average total assets | $179,526,500 | 3,182 |
| Average earning assets | $166,913,500 | 3,168 |
| Average equity | $16,367,250 | 3,675 |
| Average total loans | $145,082,750 | 2,705 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 2,166 |
| Cost of funding earning assets | 0.4014% | 3,028 |
| Net interest margin | 3.8955% | 1,991 |
| Noninterest income to average assets | 0.7501% | 1,937 |
| Noninterest expense to average assets | 3.6301% | 965 |
| Loan and lease loss provision to assets | 0.0561% | 3,020 |
| Net operating income to assets | 0.4649% | 4,817 |
| Return on assets (ROA) | 0.4649% | 4,907 |
| Pretax return on assets | 0.6816% | 4,674 |
| Return on Equity (ROE) | 5.0474% | 4,497 |
| Retained earnings to average equity (ytd only) | -0.4389% | 5,358 |
| Net charge-offs to loans | 0.0921% | 1,919 |
| Credit loss provision to net charge-offs | 75.7576% | 2,412 |
| Earnings coverage of net charge-offs (x) | 9.9545% | 2,367 |
| Efficiency ratio | 83.1105% | 1,130 |
| Assets per employee ($millions) | 3.0450% | 5,372 |
| Cash dividends to net income (ytd only)* | 108.6957% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8217% | 1,046 |
| Loan loss allowance to noncurrent loans | 55.1767% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 3.2031% | 370 |
| Noncurrent loans to loans | 3.3015% | 418 |
| Net loans and leases to total assets | 79.2351% | 1,028 |
| Net loans and leases to deposits | 95.8879% | 1,090 |
| Net loans and leases to core deposits | 108.1072% | 1,034 |
| Total domestic deposits to total assets | 82.6331% | 3,782 |
| Equity capital to assets | 8.9010% | 5,311 |
| Core capital (leverage) ratio | 9.0938% | 4,725 |
| Tier 1 risk-based capital ratio | 11.9104% | 4,887 |
| Total risk-based capital ratio | 13.1698% | 4,789 |
| Memoranda: | ||
| Average total assets | $178,119,670 | 3,209 |
| Average earning assets | $165,420,330 | 3,205 |
| Average equity | $16,404,330 | 3,680 |
| Average total loans | $143,308,330 | 2,731 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 2,071 |
| Cost of funding earning assets | 0.4049% | 3,011 |
| Net interest margin | 3.9112% | 1,902 |
| Noninterest income to average assets | 0.6552% | 2,238 |
| Noninterest expense to average assets | 3.7604% | 827 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3526% | 5,139 |
| Return on assets (ROA) | 0.3526% | 5,225 |
| Pretax return on assets | 0.5210% | 5,028 |
| Return on Equity (ROE) | 3.7632% | 4,976 |
| Retained earnings to average equity (ytd only) | -1.0925% | 5,293 |
| Net charge-offs to loans | 0.1869% | 1,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.4697% | 2,542 |
| Efficiency ratio | 87.8321% | 825 |
| Assets per employee ($millions) | 3.2045% | 5,277 |
| Cash dividends to net income (ytd only)* | 129.0323% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8511% | 1,052 |
| Loan loss allowance to noncurrent loans | 53.7849% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 3.3186% | 359 |
| Noncurrent loans to loans | 3.4417% | 402 |
| Net loans and leases to total assets | 79.2982% | 913 |
| Net loans and leases to deposits | 94.6859% | 1,075 |
| Net loans and leases to core deposits | 106.9146% | 1,024 |
| Total domestic deposits to total assets | 83.7487% | 3,620 |
| Equity capital to assets | 9.2017% | 4,986 |
| Core capital (leverage) ratio | 9.2283% | 4,567 |
| Tier 1 risk-based capital ratio | 12.2381% | 4,762 |
| Total risk-based capital ratio | 13.4977% | 4,656 |
| Memoranda: | ||
| Average total assets | $175,830,500 | 3,251 |
| Average earning assets | $163,018,500 | 3,243 |
| Average equity | $16,475,500 | 3,664 |
| Average total loans | $141,239,000 | 2,759 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 1,561 |
| Cost of funding earning assets | 0.4208% | 2,934 |
| Net interest margin | 4.0890% | 1,439 |
| Noninterest income to average assets | 1.7316% | 440 |
| Noninterest expense to average assets | 3.6980% | 981 |
| Loan and lease loss provision to assets | 0.1762% | 1,288 |
| Net operating income to assets | 1.0788% | 2,009 |
| Return on assets (ROA) | 1.0788% | 2,082 |
| Pretax return on assets | 1.6068% | 1,226 |
| Return on Equity (ROE) | 11.2416% | 1,535 |
| Retained earnings to average equity (ytd only) | 11.2416% | 322 |
| Net charge-offs to loans | 2.7529% | 39 |
| Credit loss provision to net charge-offs | 7.9173% | 3,839 |
| Earnings coverage of net charge-offs (x) | 0.8011% | 4,180 |
| Efficiency ratio | 67.4695% | 3,668 |
| Assets per employee ($millions) | 3.0774% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 910 |
| Loan loss allowance to noncurrent loans | 88.0378% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 2.2895% | 714 |
| Noncurrent loans to loans | 2.1902% | 909 |
| Net loans and leases to total assets | 78.3178% | 1,079 |
| Net loans and leases to deposits | 94.6234% | 1,141 |
| Net loans and leases to core deposits | 106.3042% | 1,086 |
| Total domestic deposits to total assets | 82.7679% | 3,922 |
| Equity capital to assets | 9.5393% | 4,508 |
| Core capital (leverage) ratio | 9.5717% | 4,083 |
| Tier 1 risk-based capital ratio | 12.9192% | 4,375 |
| Total risk-based capital ratio | 14.1802% | 4,266 |
| Memoranda: | ||
| Average total assets | $167,414,200 | 3,346 |
| Average earning assets | $153,510,000 | 3,350 |
| Average equity | $16,065,400 | 3,671 |
| Average total loans | $135,349,800 | 2,793 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 1,574 |
| Cost of funding earning assets | 0.4238% | 2,973 |
| Net interest margin | 4.0821% | 1,450 |
| Noninterest income to average assets | 2.0651% | 344 |
| Noninterest expense to average assets | 3.6707% | 1,021 |
| Loan and lease loss provision to assets | 0.1773% | 1,187 |
| Net operating income to assets | 1.3042% | 1,332 |
| Return on assets (ROA) | 1.3042% | 1,381 |
| Pretax return on assets | 1.9514% | 662 |
| Return on Equity (ROE) | 13.5691% | 988 |
| Retained earnings to average equity (ytd only) | 13.5691% | 234 |
| Net charge-offs to loans | 3.9671% | 20 |
| Credit loss provision to net charge-offs | 5.5110% | 3,482 |
| Earnings coverage of net charge-offs (x) | 0.6616% | 3,923 |
| Efficiency ratio | 63.2940% | 4,361 |
| Assets per employee ($millions) | 2.8144% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7720% | 1,317 |
| Loan loss allowance to noncurrent loans | 62.8929% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 2.7498% | 582 |
| Noncurrent loans to loans | 2.8176% | 662 |
| Net loans and leases to total assets | 78.8176% | 985 |
| Net loans and leases to deposits | 92.7691% | 1,331 |
| Net loans and leases to core deposits | 104.2430% | 1,215 |
| Total domestic deposits to total assets | 84.9610% | 3,032 |
| Equity capital to assets | 9.9754% | 4,178 |
| Core capital (leverage) ratio | 9.8932% | 3,776 |
| Tier 1 risk-based capital ratio | 13.3301% | 4,232 |
| Total risk-based capital ratio | 14.5889% | 4,148 |
| Memoranda: | ||
| Average total assets | $165,415,000 | 3,401 |
| Average earning assets | $151,323,000 | 3,407 |
| Average equity | $15,898,500 | 3,725 |
| Average total loans | $134,167,500 | 2,831 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5122% | 1,493 |
| Cost of funding earning assets | 0.4279% | 2,952 |
| Net interest margin | 4.0843% | 1,392 |
| Noninterest income to average assets | 2.6137% | 258 |
| Noninterest expense to average assets | 3.7541% | 923 |
| Loan and lease loss provision to assets | 0.2663% | 625 |
| Net operating income to assets | 1.5387% | 844 |
| Return on assets (ROA) | 1.5387% | 882 |
| Pretax return on assets | 2.3256% | 325 |
| Return on Equity (ROE) | 16.2152% | 589 |
| Retained earnings to average equity (ytd only) | 16.2152% | 150 |
| Net charge-offs to loans | 5.9430% | 9 |
| Credit loss provision to net charge-offs | 5.5055% | 3,125 |
| Earnings coverage of net charge-offs (x) | 0.5358% | 3,645 |
| Efficiency ratio | 59.1568% | 5,093 |
| Assets per employee ($millions) | 3.0074% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 1,368 |
| Loan loss allowance to noncurrent loans | 85.3367% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 2.1662% | 979 |
| Noncurrent loans to loans | 2.1119% | 1,144 |
| Net loans and leases to total assets | 77.6411% | 1,118 |
| Net loans and leases to deposits | 91.5535% | 1,418 |
| Net loans and leases to core deposits | 102.8660% | 1,273 |
| Total domestic deposits to total assets | 84.8041% | 3,211 |
| Equity capital to assets | 9.7983% | 4,282 |
| Core capital (leverage) ratio | 9.8023% | 3,861 |
| Tier 1 risk-based capital ratio | 13.6423% | 4,134 |
| Total risk-based capital ratio | 14.9025% | 4,059 |
| Memoranda: | ||
| Average total assets | $165,204,000 | 3,419 |
| Average earning assets | $150,969,330 | 3,437 |
| Average equity | $15,676,670 | 3,782 |
| Average total loans | $134,478,000 | 2,841 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 1,342 |
| Cost of funding earning assets | 0.4407% | 2,873 |
| Net interest margin | 4.1043% | 1,262 |
| Noninterest income to average assets | 4.4627% | 145 |
| Noninterest expense to average assets | 3.7504% | 932 |
| Loan and lease loss provision to assets | 0.9570% | 87 |
| Net operating income to assets | 2.3161% | 194 |
| Return on assets (ROA) | 2.3161% | 208 |
| Pretax return on assets | 3.5008% | 105 |
| Return on Equity (ROE) | 24.8126% | 110 |
| Retained earnings to average equity (ytd only) | 24.8126% | 46 |
| Net charge-offs to loans | 11.8685% | 3 |
| Credit loss provision to net charge-offs | 9.7651% | 2,432 |
| Earnings coverage of net charge-offs (x) | 0.4549% | 3,052 |
| Efficiency ratio | 45.6907% | 6,116 |
| Assets per employee ($millions) | 3.1543% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8471% | 1,401 |
| Loan loss allowance to noncurrent loans | 72.0964% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 2.9088% | 668 |
| Noncurrent loans to loans | 2.5620% | 939 |
| Net loans and leases to total assets | 80.4440% | 639 |
| Net loans and leases to deposits | 95.6241% | 856 |
| Net loans and leases to core deposits | 107.4952% | 845 |
| Total domestic deposits to total assets | 84.1252% | 3,773 |
| Equity capital to assets | 9.6890% | 4,523 |
| Core capital (leverage) ratio | 9.5522% | 4,198 |
| Tier 1 risk-based capital ratio | 12.7870% | 4,736 |
| Total risk-based capital ratio | 14.0468% | 4,648 |
| Memoranda: | ||
| Average total assets | $165,103,000 | 3,443 |
| Average earning assets | $150,671,000 | 3,453 |
| Average equity | $15,411,500 | 3,852 |
| Average total loans | $136,327,000 | 2,803 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 1,416 |
| Cost of funding earning assets | 0.4926% | 2,742 |
| Net interest margin | 4.1601% | 1,406 |
| Noninterest income to average assets | 0.7723% | 1,982 |
| Noninterest expense to average assets | 3.8698% | 890 |
| Loan and lease loss provision to assets | 1.5409% | 53 |
| Net operating income to assets | -0.4992% | 6,298 |
| Return on assets (ROA) | -0.4992% | 6,297 |
| Pretax return on assets | -0.8179% | 6,339 |
| Return on Equity (ROE) | -5.9829% | 6,312 |
| Retained earnings to average equity (ytd only) | -5.9829% | 6,220 |
| Net charge-offs to loans | 0.6811% | 546 |
| Credit loss provision to net charge-offs | 268.1481% | 956 |
| Earnings coverage of net charge-offs (x) | 1.2582% | 4,456 |
| Efficiency ratio | 84.2579% | 1,380 |
| Assets per employee ($millions) | 2.9676% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4369% | 99 |
| Loan loss allowance to noncurrent loans | 67.6707% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 6.2521% | 186 |
| Noncurrent loans to loans | 6.5567% | 161 |
| Net loans and leases to total assets | 79.4855% | 810 |
| Net loans and leases to deposits | 93.7681% | 1,098 |
| Net loans and leases to core deposits | 105.0208% | 1,076 |
| Total domestic deposits to total assets | 84.7682% | 3,382 |
| Equity capital to assets | 8.9846% | 5,310 |
| Core capital (leverage) ratio | 8.3582% | 5,714 |
| Tier 1 risk-based capital ratio | 11.6012% | 5,604 |
| Total risk-based capital ratio | 12.8998% | 5,483 |
| Memoranda: | ||
| Average total assets | $164,452,800 | 3,421 |
| Average earning assets | $151,031,000 | 3,427 |
| Average equity | $13,722,400 | 4,069 |
| Average total loans | $138,754,000 | 2,728 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6644% | 1,395 |
| Cost of funding earning assets | 0.4965% | 2,796 |
| Net interest margin | 4.1679% | 1,384 |
| Noninterest income to average assets | 0.7649% | 2,031 |
| Noninterest expense to average assets | 3.9336% | 809 |
| Loan and lease loss provision to assets | 2.0599% | 30 |
| Net operating income to assets | -0.8779% | 6,448 |
| Return on assets (ROA) | -0.8779% | 6,447 |
| Pretax return on assets | -1.4006% | 6,482 |
| Return on Equity (ROE) | -10.7298% | 6,449 |
| Retained earnings to average equity (ytd only) | -10.7298% | 6,386 |
| Net charge-offs to loans | 0.8842% | 372 |
| Credit loss provision to net charge-offs | 275.1357% | 975 |
| Earnings coverage of net charge-offs (x) | 0.8806% | 4,291 |
| Efficiency ratio | 85.6460% | 1,216 |
| Assets per employee ($millions) | 3.1365% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4512% | 110 |
| Loan loss allowance to noncurrent loans | 66.6342% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 6.4788% | 199 |
| Noncurrent loans to loans | 6.6801% | 185 |
| Net loans and leases to total assets | 81.0325% | 604 |
| Net loans and leases to deposits | 95.1272% | 945 |
| Net loans and leases to core deposits | 106.2933% | 941 |
| Total domestic deposits to total assets | 85.1833% | 3,265 |
| Equity capital to assets | 8.3814% | 5,887 |
| Core capital (leverage) ratio | 7.7040% | 6,217 |
| Tier 1 risk-based capital ratio | 10.4850% | 6,214 |
| Total risk-based capital ratio | 11.7832% | 6,145 |
| Memoranda: | ||
| Average total assets | $164,019,750 | 3,456 |
| Average earning assets | $150,641,250 | 3,454 |
| Average equity | $13,420,250 | 4,147 |
| Average total loans | $138,886,000 | 2,747 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 1,476 |
| Cost of funding earning assets | 0.5045% | 2,792 |
| Net interest margin | 4.1158% | 1,460 |
| Noninterest income to average assets | 0.7911% | 1,871 |
| Noninterest expense to average assets | 4.1357% | 643 |
| Loan and lease loss provision to assets | 3.0086% | 16 |
| Net operating income to assets | -1.6431% | 6,580 |
| Return on assets (ROA) | -1.6431% | 6,578 |
| Pretax return on assets | -2.5705% | 6,612 |
| Return on Equity (ROE) | -20.2444% | 6,574 |
| Retained earnings to average equity (ytd only) | -20.2444% | 6,534 |
| Net charge-offs to loans | 1.3173% | 227 |
| Credit loss provision to net charge-offs | 269.8690% | 936 |
| Earnings coverage of net charge-offs (x) | 0.3930% | 4,051 |
| Efficiency ratio | 90.4204% | 885 |
| Assets per employee ($millions) | 3.2681% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4298% | 126 |
| Loan loss allowance to noncurrent loans | 79.7386% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 5.4937% | 305 |
| Noncurrent loans to loans | 5.5554% | 315 |
| Net loans and leases to total assets | 80.5396% | 624 |
| Net loans and leases to deposits | 94.4143% | 929 |
| Net loans and leases to core deposits | 105.6797% | 913 |
| Total domestic deposits to total assets | 85.3045% | 3,358 |
| Equity capital to assets | 8.2048% | 6,023 |
| Core capital (leverage) ratio | 7.3203% | 6,366 |
| Tier 1 risk-based capital ratio | 9.8833% | 6,429 |
| Total risk-based capital ratio | 11.1808% | 6,380 |
| Memoranda: | ||
| Average total assets | $164,326,330 | 3,475 |
| Average earning assets | $151,027,330 | 3,467 |
| Average equity | $13,337,000 | 4,161 |
| Average total loans | $139,074,330 | 2,745 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8552% | 937 |
| Cost of funding earning assets | 0.5148% | 2,759 |
| Net interest margin | 4.3404% | 923 |
| Noninterest income to average assets | 0.6020% | 2,724 |
| Noninterest expense to average assets | 3.7915% | 996 |
| Loan and lease loss provision to assets | 0.3641% | 476 |
| Net operating income to assets | 0.2913% | 5,526 |
| Return on assets (ROA) | 0.2913% | 5,571 |
| Pretax return on assets | 0.4369% | 5,343 |
| Return on Equity (ROE) | 3.6085% | 5,213 |
| Retained earnings to average equity (ytd only) | 3.6085% | 3,966 |
| Net charge-offs to loans | -0.1860% | 6,358 |
| Credit loss provision to net charge-offs | -230.7692% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5581% | 1,857 |
| Assets per employee ($millions) | 3.1723% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4244% | 284 |
| Loan loss allowance to noncurrent loans | 114.7023% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 3.3197% | 799 |
| Noncurrent loans to loans | 2.9854% | 1,059 |
| Net loans and leases to total assets | 81.3642% | 413 |
| Net loans and leases to deposits | 95.8275% | 667 |
| Net loans and leases to core deposits | 108.0157% | 674 |
| Total domestic deposits to total assets | 84.9070% | 3,915 |
| Equity capital to assets | 8.4125% | 5,735 |
| Core capital (leverage) ratio | 8.5010% | 5,642 |
| Tier 1 risk-based capital ratio | 11.2955% | 6,021 |
| Total risk-based capital ratio | 12.5793% | 5,954 |
| Memoranda: | ||
| Average total assets | $164,787,500 | 3,488 |
| Average earning assets | $151,507,000 | 3,479 |
| Average equity | $13,302,000 | 4,182 |
| Average total loans | $139,759,000 | 2,744 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0432% | 846 |
| Cost of funding earning assets | 0.5707% | 2,919 |
| Net interest margin | 4.4726% | 783 |
| Noninterest income to average assets | 0.6764% | 2,670 |
| Noninterest expense to average assets | 3.5303% | 1,593 |
| Loan and lease loss provision to assets | 2.7219% | 23 |
| Net operating income to assets | -0.9319% | 6,600 |
| Return on assets (ROA) | -1.0803% | 6,620 |
| Pretax return on assets | -1.6610% | 6,677 |
| Return on Equity (ROE) | -13.6113% | 6,623 |
| Retained earnings to average equity (ytd only) | -13.6113% | 6,592 |
| Net charge-offs to loans | 0.6182% | 1,063 |
| Credit loss provision to net charge-offs | 521.4617% | 450 |
| Earnings coverage of net charge-offs (x) | 2.4698% | 4,188 |
| Efficiency ratio | 73.2504% | 3,251 |
| Assets per employee ($millions) | 3.1657% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2332% | 356 |
| Loan loss allowance to noncurrent loans | 103.6733% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 3.4686% | 844 |
| Noncurrent loans to loans | 3.1186% | 1,102 |
| Net loans and leases to total assets | 82.6149% | 358 |
| Net loans and leases to deposits | 96.7097% | 690 |
| Net loans and leases to core deposits | 110.3987% | 596 |
| Total domestic deposits to total assets | 85.4257% | 3,542 |
| Equity capital to assets | 7.7312% | 6,174 |
| Core capital (leverage) ratio | 7.6511% | 6,321 |
| Tier 1 risk-based capital ratio | 10.1922% | 6,459 |
| Total risk-based capital ratio | 11.4727% | 6,410 |
| Memoranda: | ||
| Average total assets | $165,140,200 | 3,483 |
| Average earning assets | $152,977,600 | 3,454 |
| Average equity | $13,106,800 | 4,244 |
| Average total loans | $139,427,400 | 2,709 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0493% | 850 |
| Cost of funding earning assets | 0.5775% | 3,022 |
| Net interest margin | 4.4718% | 765 |
| Noninterest income to average assets | 0.6881% | 2,675 |
| Noninterest expense to average assets | 3.5085% | 1,596 |
| Loan and lease loss provision to assets | 3.5053% | 10 |
| Net operating income to assets | -1.4239% | 6,751 |
| Return on assets (ROA) | -1.6215% | 6,772 |
| Pretax return on assets | -2.4815% | 6,819 |
| Return on Equity (ROE) | -20.2998% | 6,775 |
| Retained earnings to average equity (ytd only) | -20.2998% | 6,760 |
| Net charge-offs to loans | 0.8307% | 705 |
| Credit loss provision to net charge-offs | 501.1534% | 544 |
| Earnings coverage of net charge-offs (x) | 1.8985% | 4,195 |
| Efficiency ratio | 72.5438% | 3,309 |
| Assets per employee ($millions) | 3.2327% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1054% | 494 |
| Loan loss allowance to noncurrent loans | 90.2715% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 3.7776% | 866 |
| Noncurrent loans to loans | 3.4401% | 1,119 |
| Net loans and leases to total assets | 83.0639% | 290 |
| Net loans and leases to deposits | 99.1543% | 505 |
| Net loans and leases to core deposits | 113.1066% | 474 |
| Total domestic deposits to total assets | 83.7724% | 4,289 |
| Equity capital to assets | 7.5819% | 6,364 |
| Core capital (leverage) ratio | 7.5717% | 6,422 |
| Tier 1 risk-based capital ratio | 9.7512% | 6,646 |
| Total risk-based capital ratio | 11.0293% | 6,625 |
| Memoranda: | ||
| Average total assets | $165,270,750 | 3,520 |
| Average earning assets | $153,311,500 | 3,478 |
| Average equity | $13,201,750 | 4,268 |
| Average total loans | $139,148,500 | 2,728 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1335% | 719 |
| Cost of funding earning assets | 0.5841% | 3,092 |
| Net interest margin | 4.5494% | 649 |
| Noninterest income to average assets | 0.6711% | 2,785 |
| Noninterest expense to average assets | 3.2611% | 2,185 |
| Loan and lease loss provision to assets | 0.3930% | 804 |
| Net operating income to assets | 0.8408% | 3,097 |
| Return on assets (ROA) | 0.5030% | 4,950 |
| Pretax return on assets | 0.7509% | 4,502 |
| Return on Equity (ROE) | 6.1925% | 4,051 |
| Retained earnings to average equity (ytd only) | 6.1925% | 2,325 |
| Net charge-offs to loans | 0.2167% | 2,458 |
| Credit loss provision to net charge-offs | 216.6667% | 1,119 |
| Earnings coverage of net charge-offs (x) | 9.0867% | 2,330 |
| Efficiency ratio | 66.4286% | 4,468 |
| Assets per employee ($millions) | 3.3521% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7794% | 6,391 |
| Loan loss allowance to noncurrent loans | 51.0578% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 2.0773% | 2,080 |
| Noncurrent loans to loans | 1.5264% | 3,013 |
| Net loans and leases to total assets | 84.1728% | 227 |
| Net loans and leases to deposits | 101.5520% | 351 |
| Net loans and leases to core deposits | 113.7767% | 438 |
| Total domestic deposits to total assets | 82.8864% | 4,746 |
| Equity capital to assets | 8.3754% | 5,891 |
| Core capital (leverage) ratio | 8.3616% | 5,810 |
| Tier 1 risk-based capital ratio | 11.1161% | 6,287 |
| Total risk-based capital ratio | 11.9937% | 6,401 |
| Memoranda: | ||
| Average total assets | $165,405,330 | 3,536 |
| Average earning assets | $154,084,670 | 3,488 |
| Average equity | $13,435,670 | 4,255 |
| Average total loans | $138,420,000 | 2,741 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1438% | 683 |
| Cost of funding earning assets | 0.5870% | 3,241 |
| Net interest margin | 4.5567% | 611 |
| Noninterest income to average assets | 0.6049% | 3,108 |
| Noninterest expense to average assets | 3.1401% | 2,546 |
| Loan and lease loss provision to assets | 0.2410% | 1,506 |
| Net operating income to assets | 0.9842% | 2,297 |
| Return on assets (ROA) | 0.3109% | 5,660 |
| Pretax return on assets | 0.4651% | 5,376 |
| Return on Equity (ROE) | 3.8870% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.8870% | 3,904 |
| Net charge-offs to loans | 0.1972% | 2,231 |
| Credit loss provision to net charge-offs | 147.0588% | 1,385 |
| Earnings coverage of net charge-offs (x) | 10.4412% | 1,741 |
| Efficiency ratio | 64.7293% | 4,881 |
| Assets per employee ($millions) | 3.6584% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6731% | 6,630 |
| Loan loss allowance to noncurrent loans | 34.7202% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 2.3858% | 1,948 |
| Noncurrent loans to loans | 1.9386% | 2,687 |
| Net loans and leases to total assets | 82.6909% | 256 |
| Net loans and leases to deposits | 100.8896% | 318 |
| Net loans and leases to core deposits | 114.6626% | 374 |
| Total domestic deposits to total assets | 81.9618% | 5,204 |
| Equity capital to assets | 8.0066% | 6,373 |
| Core capital (leverage) ratio | 8.1973% | 5,933 |
| Tier 1 risk-based capital ratio | 10.9166% | 6,442 |
| Total risk-based capital ratio | 11.6806% | 6,582 |
| Memoranda: | ||
| Average total assets | $165,980,500 | 3,565 |
| Average earning assets | $154,672,500 | 3,519 |
| Average equity | $13,275,000 | 4,335 |
| Average total loans | $137,958,000 | 2,762 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2740% | 979 |
| Cost of funding earning assets | 0.6718% | 3,723 |
| Net interest margin | 4.6022% | 781 |
| Noninterest income to average assets | 0.7730% | 2,375 |
| Noninterest expense to average assets | 3.3116% | 2,300 |
| Loan and lease loss provision to assets | 0.4099% | 1,573 |
| Net operating income to assets | 0.8962% | 2,840 |
| Return on assets (ROA) | 0.8914% | 3,093 |
| Pretax return on assets | 1.3308% | 2,285 |
| Return on Equity (ROE) | 11.2936% | 1,716 |
| Retained earnings to average equity (ytd only) | 10.4822% | 508 |
| Net charge-offs to loans | 0.4553% | 2,412 |
| Credit loss provision to net charge-offs | 109.4017% | 2,683 |
| Earnings coverage of net charge-offs (x) | 4.6650% | 3,295 |
| Efficiency ratio | 65.4557% | 4,609 |
| Assets per employee ($millions) | 3.5581% | 4,888 |
| Cash dividends to net income (ytd only)* | 7.1839% | 4,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6708% | 6,670 |
| Loan loss allowance to noncurrent loans | 37.7226% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 2.2777% | 2,157 |
| Noncurrent loans to loans | 1.7782% | 2,954 |
| Net loans and leases to total assets | 82.4224% | 303 |
| Net loans and leases to deposits | 101.5492% | 346 |
| Net loans and leases to core deposits | 112.7196% | 445 |
| Total domestic deposits to total assets | 81.1650% | 5,352 |
| Equity capital to assets | 7.9891% | 6,417 |
| Core capital (leverage) ratio | 8.2864% | 5,900 |
| Tier 1 risk-based capital ratio | 10.6658% | 6,490 |
| Total risk-based capital ratio | 11.4089% | 6,623 |
| Memoranda: | ||
| Average total assets | $156,150,400 | 3,682 |
| Average earning assets | $145,430,200 | 3,634 |
| Average equity | $12,325,600 | 4,496 |
| Average total loans | $128,492,000 | 2,910 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3088% | 996 |
| Cost of funding earning assets | 0.6859% | 3,895 |
| Net interest margin | 4.6229% | 783 |
| Noninterest income to average assets | 0.7839% | 2,312 |
| Noninterest expense to average assets | 3.3274% | 2,192 |
| Loan and lease loss provision to assets | 0.4451% | 1,414 |
| Net operating income to assets | 0.8819% | 3,068 |
| Return on assets (ROA) | 0.8755% | 3,348 |
| Pretax return on assets | 1.3068% | 2,580 |
| Return on Equity (ROE) | 11.1273% | 1,911 |
| Retained earnings to average equity (ytd only) | 11.1273% | 663 |
| Net charge-offs to loans | 0.6105% | 1,799 |
| Credit loss provision to net charge-offs | 88.7931% | 3,335 |
| Earnings coverage of net charge-offs (x) | 3.5138% | 3,615 |
| Efficiency ratio | 65.3872% | 4,563 |
| Assets per employee ($millions) | 3.3282% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6092% | 6,851 |
| Loan loss allowance to noncurrent loans | 50.1267% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 1.8782% | 2,819 |
| Noncurrent loans to loans | 1.2153% | 4,024 |
| Net loans and leases to total assets | 82.5041% | 306 |
| Net loans and leases to deposits | 99.7087% | 453 |
| Net loans and leases to core deposits | 109.5393% | 589 |
| Total domestic deposits to total assets | 82.7451% | 4,743 |
| Equity capital to assets | 8.1860% | 6,492 |
| Core capital (leverage) ratio | 8.1969% | 6,147 |
| Tier 1 risk-based capital ratio | 10.9570% | 6,500 |
| Total risk-based capital ratio | 11.6338% | 6,682 |
| Memoranda: | ||
| Average total assets | $154,269,500 | 3,751 |
| Average earning assets | $143,657,000 | 3,701 |
| Average equity | $12,138,000 | 4,579 |
| Average total loans | $126,661,250 | 2,977 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2855% | 1,085 |
| Cost of funding earning assets | 0.6944% | 4,061 |
| Net interest margin | 4.5911% | 844 |
| Noninterest income to average assets | 0.6057% | 3,221 |
| Noninterest expense to average assets | 3.2953% | 2,322 |
| Loan and lease loss provision to assets | 0.5731% | 1,057 |
| Net operating income to assets | 0.7015% | 3,859 |
| Return on assets (ROA) | 0.6916% | 4,174 |
| Pretax return on assets | 1.0029% | 3,700 |
| Return on Equity (ROE) | 8.9126% | 2,849 |
| Retained earnings to average equity (ytd only) | 8.9126% | 1,305 |
| Net charge-offs to loans | 0.2420% | 3,125 |
| Credit loss provision to net charge-offs | 289.4737% | 1,010 |
| Earnings coverage of net charge-offs (x) | 8.0329% | 2,371 |
| Efficiency ratio | 67.4487% | 4,247 |
| Assets per employee ($millions) | 3.3163% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 6,462 |
| Loan loss allowance to noncurrent loans | 63.5203% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 2.0158% | 2,758 |
| Noncurrent loans to loans | 1.4124% | 3,797 |
| Net loans and leases to total assets | 81.0753% | 394 |
| Net loans and leases to deposits | 97.8270% | 537 |
| Net loans and leases to core deposits | 108.0059% | 662 |
| Total domestic deposits to total assets | 82.8762% | 4,797 |
| Equity capital to assets | 7.8908% | 6,637 |
| Core capital (leverage) ratio | 7.9349% | 6,334 |
| Tier 1 risk-based capital ratio | 10.6348% | 6,648 |
| Total risk-based capital ratio | 11.6240% | 6,720 |
| Memoranda: | ||
| Average total assets | $153,551,000 | 3,777 |
| Average earning assets | $143,145,670 | 3,733 |
| Average equity | $11,915,670 | 4,626 |
| Average total loans | $125,599,000 | 3,014 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2691% | 1,173 |
| Cost of funding earning assets | 0.7138% | 4,165 |
| Net interest margin | 4.5553% | 902 |
| Noninterest income to average assets | 0.7087% | 2,621 |
| Noninterest expense to average assets | 3.3702% | 2,087 |
| Loan and lease loss provision to assets | 0.5250% | 1,147 |
| Net operating income to assets | 0.7391% | 3,685 |
| Return on assets (ROA) | 0.7192% | 4,010 |
| Pretax return on assets | 1.0394% | 3,538 |
| Return on Equity (ROE) | 9.3483% | 2,660 |
| Retained earnings to average equity (ytd only) | 9.3483% | 1,461 |
| Net charge-offs to loans | 0.0353% | 4,201 |
| Credit loss provision to net charge-offs | 1,818.1818% | 185 |
| Earnings coverage of net charge-offs (x) | 55.1818% | 587 |
| Efficiency ratio | 67.9006% | 4,193 |
| Assets per employee ($millions) | 3.5133% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 6,685 |
| Loan loss allowance to noncurrent loans | 38.3627% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 2.1619% | 2,719 |
| Noncurrent loans to loans | 2.1675% | 2,952 |
| Net loans and leases to total assets | 80.6214% | 356 |
| Net loans and leases to deposits | 96.0161% | 539 |
| Net loans and leases to core deposits | 105.9753% | 674 |
| Total domestic deposits to total assets | 83.9665% | 4,505 |
| Equity capital to assets | 7.7822% | 6,640 |
| Core capital (leverage) ratio | 7.9378% | 6,307 |
| Tier 1 risk-based capital ratio | 10.6275% | 6,702 |
| Total risk-based capital ratio | 11.5507% | 6,797 |
| Memoranda: | ||
| Average total assets | $152,394,000 | 3,832 |
| Average earning assets | $142,338,500 | 3,779 |
| Average equity | $11,724,000 | 4,667 |
| Average total loans | $124,642,500 | 3,052 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4175% | 1,369 |
| Cost of funding earning assets | 0.9051% | 4,080 |
| Net interest margin | 4.5124% | 1,108 |
| Noninterest income to average assets | 0.6035% | 3,144 |
| Noninterest expense to average assets | 3.3493% | 2,359 |
| Loan and lease loss provision to assets | 0.3028% | 3,247 |
| Net operating income to assets | 0.7813% | 3,132 |
| Return on assets (ROA) | 0.7763% | 3,315 |
| Pretax return on assets | 1.1532% | 2,637 |
| Return on Equity (ROE) | 10.4186% | 1,911 |
| Retained earnings to average equity (ytd only) | 5.3052% | 2,447 |
| Net charge-offs to loans | 0.2865% | 3,979 |
| Credit loss provision to net charge-offs | 132.8358% | 2,288 |
| Earnings coverage of net charge-offs (x) | 6.4209% | 2,524 |
| Efficiency ratio | 69.5929% | 4,042 |
| Assets per employee ($millions) | 3.3379% | 5,404 |
| Cash dividends to net income (ytd only)* | 49.0798% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6925% | 6,914 |
| Loan loss allowance to noncurrent loans | 31.8452% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 2.2083% | 2,725 |
| Noncurrent loans to loans | 2.1745% | 2,978 |
| Net loans and leases to total assets | 81.7263% | 359 |
| Net loans and leases to deposits | 98.3685% | 534 |
| Net loans and leases to core deposits | 107.7619% | 712 |
| Total domestic deposits to total assets | 83.0818% | 4,714 |
| Equity capital to assets | 7.6016% | 6,772 |
| Core capital (leverage) ratio | 7.7480% | 6,497 |
| Tier 1 risk-based capital ratio | 10.2053% | 6,795 |
| Total risk-based capital ratio | 10.9704% | 6,909 |
| Memoranda: | ||
| Average total assets | $146,985,000 | 3,859 |
| Average earning assets | $137,111,200 | 3,801 |
| Average equity | $10,951,600 | 4,795 |
| Average total loans | $116,914,800 | 3,237 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3716% | 1,600 |
| Cost of funding earning assets | 0.9438% | 4,086 |
| Net interest margin | 4.4277% | 1,322 |
| Noninterest income to average assets | 0.6084% | 3,118 |
| Noninterest expense to average assets | 3.3556% | 2,330 |
| Loan and lease loss provision to assets | 0.2691% | 3,353 |
| Net operating income to assets | 0.7455% | 3,404 |
| Return on assets (ROA) | 0.7388% | 3,602 |
| Pretax return on assets | 1.1027% | 2,996 |
| Return on Equity (ROE) | 9.9674% | 2,215 |
| Retained earnings to average equity (ytd only) | 4.7376% | 3,354 |
| Net charge-offs to loans | 0.3228% | 3,487 |
| Credit loss provision to net charge-offs | 105.7348% | 3,134 |
| Earnings coverage of net charge-offs (x) | 5.4301% | 2,789 |
| Efficiency ratio | 70.8317% | 3,781 |
| Assets per employee ($millions) | 3.2323% | 5,603 |
| Cash dividends to net income (ytd only)* | 52.4691% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6246% | 7,054 |
| Loan loss allowance to noncurrent loans | 26.7650% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 2.3452% | 2,735 |
| Noncurrent loans to loans | 2.3336% | 2,967 |
| Net loans and leases to total assets | 81.5403% | 394 |
| Net loans and leases to deposits | 98.1271% | 570 |
| Net loans and leases to core deposits | 107.5109% | 784 |
| Total domestic deposits to total assets | 83.0966% | 4,640 |
| Equity capital to assets | 7.5461% | 6,919 |
| Core capital (leverage) ratio | 7.6514% | 6,668 |
| Tier 1 risk-based capital ratio | 10.1841% | 6,898 |
| Total risk-based capital ratio | 10.8758% | 7,034 |
| Memoranda: | ||
| Average total assets | $146,180,000 | 3,887 |
| Average earning assets | $136,318,750 | 3,829 |
| Average equity | $10,835,000 | 4,846 |
| Average total loans | $115,240,250 | 3,295 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2828% | 1,942 |
| Cost of funding earning assets | 0.9869% | 4,040 |
| Net interest margin | 4.2959% | 1,674 |
| Noninterest income to average assets | 0.5229% | 3,677 |
| Noninterest expense to average assets | 3.2103% | 2,864 |
| Loan and lease loss provision to assets | 0.2408% | 3,501 |
| Net operating income to assets | 0.7202% | 3,441 |
| Return on assets (ROA) | 0.7100% | 3,605 |
| Pretax return on assets | 1.0637% | 2,993 |
| Return on Equity (ROE) | 9.6389% | 2,252 |
| Retained earnings to average equity (ytd only) | 5.4359% | 2,721 |
| Net charge-offs to loans | 0.0832% | 4,810 |
| Credit loss provision to net charge-offs | 372.3404% | 822 |
| Earnings coverage of net charge-offs (x) | 20.4043% | 1,189 |
| Efficiency ratio | 70.8688% | 3,956 |
| Assets per employee ($millions) | 3.3054% | 5,415 |
| Cash dividends to net income (ytd only)* | 43.6047% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7435% | 6,961 |
| Loan loss allowance to noncurrent loans | 36.8465% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 2.0116% | 3,215 |
| Noncurrent loans to loans | 2.0179% | 3,457 |
| Net loans and leases to total assets | 78.4404% | 714 |
| Net loans and leases to deposits | 93.7005% | 893 |
| Net loans and leases to core deposits | 101.4821% | 1,212 |
| Total domestic deposits to total assets | 83.7140% | 4,469 |
| Equity capital to assets | 7.4801% | 6,957 |
| Core capital (leverage) ratio | 7.5858% | 6,685 |
| Tier 1 risk-based capital ratio | 10.4805% | 6,793 |
| Total risk-based capital ratio | 11.3038% | 6,953 |
| Memoranda: | ||
| Average total assets | $145,344,670 | 3,932 |
| Average earning assets | $135,572,000 | 3,870 |
| Average equity | $10,706,670 | 4,870 |
| Average total loans | $112,986,670 | 3,386 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2466% | 2,065 |
| Cost of funding earning assets | 1.0541% | 3,826 |
| Net interest margin | 4.1925% | 1,913 |
| Noninterest income to average assets | 0.5876% | 3,252 |
| Noninterest expense to average assets | 3.3109% | 2,524 |
| Loan and lease loss provision to assets | 0.2785% | 2,927 |
| Net operating income to assets | 0.5935% | 4,063 |
| Return on assets (ROA) | 0.5736% | 4,236 |
| Pretax return on assets | 0.8772% | 3,585 |
| Return on Equity (ROE) | 7.8499% | 2,980 |
| Retained earnings to average equity (ytd only) | 2.1339% | 4,860 |
| Net charge-offs to loans | 0.0542% | 4,396 |
| Credit loss provision to net charge-offs | 666.6667% | 564 |
| Earnings coverage of net charge-offs (x) | 28.4000% | 859 |
| Efficiency ratio | 73.6223% | 3,586 |
| Assets per employee ($millions) | 3.4352% | 5,151 |
| Cash dividends to net income (ytd only)* | 72.8155% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 7,020 |
| Loan loss allowance to noncurrent loans | 29.1989% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 2.4280% | 2,802 |
| Noncurrent loans to loans | 2.5365% | 2,945 |
| Net loans and leases to total assets | 77.1932% | 850 |
| Net loans and leases to deposits | 92.6664% | 962 |
| Net loans and leases to core deposits | 100.5226% | 1,296 |
| Total domestic deposits to total assets | 83.3023% | 4,793 |
| Equity capital to assets | 7.2998% | 6,970 |
| Core capital (leverage) ratio | 7.3669% | 6,817 |
| Tier 1 risk-based capital ratio | 10.4283% | 6,846 |
| Total risk-based capital ratio | 11.2512% | 7,002 |
| Memoranda: | ||
| Average total assets | $143,646,500 | 4,001 |
| Average earning assets | $133,954,000 | 3,937 |
| Average equity | $10,497,000 | 4,919 |
| Average total loans | $110,706,500 | 3,469 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4778% | 2,365 |
| Cost of funding earning assets | 1.3210% | 3,749 |
| Net interest margin | 4.1568% | 2,336 |
| Noninterest income to average assets | 0.5595% | 3,751 |
| Noninterest expense to average assets | 3.3040% | 2,729 |
| Loan and lease loss provision to assets | 0.3561% | 3,987 |
| Net operating income to assets | 0.5285% | 3,973 |
| Return on assets (ROA) | 0.5220% | 4,147 |
| Pretax return on assets | 0.7643% | 3,745 |
| Return on Equity (ROE) | 6.9744% | 3,135 |
| Retained earnings to average equity (ytd only) | 3.5902% | 3,343 |
| Net charge-offs to loans | 0.1315% | 5,588 |
| Credit loss provision to net charge-offs | 354.0146% | 727 |
| Earnings coverage of net charge-offs (x) | 11.2336% | 1,624 |
| Efficiency ratio | 74.5156% | 3,292 |
| Assets per employee ($millions) | 3.2504% | 5,540 |
| Cash dividends to net income (ytd only)* | 48.5232% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6831% | 7,153 |
| Loan loss allowance to noncurrent loans | 33.2739% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 2.0347% | 3,307 |
| Noncurrent loans to loans | 2.0529% | 3,484 |
| Net loans and leases to total assets | 75.8405% | 1,309 |
| Net loans and leases to deposits | 91.4382% | 1,331 |
| Net loans and leases to core deposits | 99.3515% | 1,668 |
| Total domestic deposits to total assets | 82.9418% | 4,818 |
| Equity capital to assets | 7.3153% | 6,991 |
| Core capital (leverage) ratio | 7.4070% | 6,780 |
| Tier 1 risk-based capital ratio | 10.6353% | 6,617 |
| Total risk-based capital ratio | 11.3937% | 6,887 |
| Memoranda: | ||
| Average total assets | $136,197,000 | 4,137 |
| Average earning assets | $126,949,000 | 4,083 |
| Average equity | $10,194,400 | 5,080 |
| Average total loans | $104,164,800 | 3,678 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4682% | 2,568 |
| Cost of funding earning assets | 1.3843% | 3,675 |
| Net interest margin | 4.0838% | 2,692 |
| Noninterest income to average assets | 0.5502% | 3,785 |
| Noninterest expense to average assets | 3.3230% | 2,505 |
| Loan and lease loss provision to assets | 0.2578% | 4,518 |
| Net operating income to assets | 0.5272% | 4,193 |
| Return on assets (ROA) | 0.5185% | 4,412 |
| Pretax return on assets | 0.7614% | 4,047 |
| Return on Equity (ROE) | 6.8854% | 3,401 |
| Retained earnings to average equity (ytd only) | 3.3307% | 4,108 |
| Net charge-offs to loans | 0.1127% | 5,410 |
| Credit loss provision to net charge-offs | 298.8506% | 1,069 |
| Earnings coverage of net charge-offs (x) | 11.9653% | 1,739 |
| Efficiency ratio | 76.3032% | 2,887 |
| Assets per employee ($millions) | 3.1521% | 5,797 |
| Cash dividends to net income (ytd only)* | 51.6248% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5350% | 7,422 |
| Loan loss allowance to noncurrent loans | 28.9260% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 1.8941% | 3,618 |
| Noncurrent loans to loans | 1.8495% | 3,866 |
| Net loans and leases to total assets | 76.5423% | 1,304 |
| Net loans and leases to deposits | 92.7849% | 1,356 |
| Net loans and leases to core deposits | 100.5732% | 1,796 |
| Total domestic deposits to total assets | 82.4943% | 4,804 |
| Equity capital to assets | 7.4770% | 7,141 |
| Core capital (leverage) ratio | 7.5116% | 6,834 |
| Tier 1 risk-based capital ratio | 10.7722% | 6,569 |
| Total risk-based capital ratio | 11.3654% | 6,985 |
| Memoranda: | ||
| Average total assets | $134,492,250 | 4,222 |
| Average earning assets | $125,304,250 | 4,175 |
| Average equity | $10,127,500 | 5,154 |
| Average total loans | $102,903,500 | 3,769 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4365% | 2,815 |
| Cost of funding earning assets | 1.4559% | 3,525 |
| Net interest margin | 3.9807% | 3,111 |
| Noninterest income to average assets | 0.3847% | 5,043 |
| Noninterest expense to average assets | 3.1903% | 2,935 |
| Loan and lease loss provision to assets | 0.1503% | 5,396 |
| Net operating income to assets | 0.5122% | 4,269 |
| Return on assets (ROA) | 0.4989% | 4,482 |
| Pretax return on assets | 0.7348% | 4,125 |
| Return on Equity (ROE) | 6.6092% | 3,489 |
| Retained earnings to average equity (ytd only) | 3.2249% | 4,054 |
| Net charge-offs to loans | 0.1161% | 5,015 |
| Credit loss provision to net charge-offs | 169.4915% | 2,307 |
| Earnings coverage of net charge-offs (x) | 10.2034% | 1,923 |
| Efficiency ratio | 77.9083% | 2,739 |
| Assets per employee ($millions) | 3.2120% | 5,660 |
| Cash dividends to net income (ytd only)* | 51.2048% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4247% | 7,582 |
| Loan loss allowance to noncurrent loans | 22.4208% | 6,820 |
| Noncurrent assets plus other real estate owned to assets | 1.8984% | 3,624 |
| Noncurrent loans to loans | 1.8941% | 3,873 |
| Net loans and leases to total assets | 74.5263% | 1,807 |
| Net loans and leases to deposits | 90.4579% | 1,777 |
| Net loans and leases to core deposits | 98.0370% | 2,224 |
| Total domestic deposits to total assets | 82.3879% | 4,828 |
| Equity capital to assets | 7.4293% | 7,158 |
| Core capital (leverage) ratio | 7.4284% | 6,895 |
| Tier 1 risk-based capital ratio | 10.9012% | 6,344 |
| Total risk-based capital ratio | 11.3690% | 6,928 |
| Memoranda: | ||
| Average total assets | $133,092,330 | 4,276 |
| Average earning assets | $124,050,000 | 4,228 |
| Average equity | $10,046,670 | 5,183 |
| Average total loans | $101,628,330 | 3,844 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4939% | 2,612 |
| Cost of funding earning assets | 1.4927% | 3,608 |
| Net interest margin | 4.0012% | 2,866 |
| Noninterest income to average assets | 0.4227% | 4,719 |
| Noninterest expense to average assets | 3.2899% | 2,558 |
| Loan and lease loss provision to assets | 0.2144% | 4,368 |
| Net operating income to assets | 0.4310% | 4,706 |
| Return on assets (ROA) | 0.4043% | 4,966 |
| Pretax return on assets | 0.6065% | 4,574 |
| Return on Equity (ROE) | 5.3121% | 4,203 |
| Retained earnings to average equity (ytd only) | 4.1048% | 3,690 |
| Net charge-offs to loans | 0.1866% | 3,804 |
| Credit loss provision to net charge-offs | 148.9362% | 2,396 |
| Earnings coverage of net charge-offs (x) | 5.9787% | 2,307 |
| Efficiency ratio | 79.2620% | 2,677 |
| Assets per employee ($millions) | 3.3773% | 5,350 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4173% | 7,680 |
| Loan loss allowance to noncurrent loans | 24.9408% | 6,746 |
| Noncurrent assets plus other real estate owned to assets | 1.7395% | 3,870 |
| Noncurrent loans to loans | 1.6733% | 4,236 |
| Net loans and leases to total assets | 74.3628% | 1,900 |
| Net loans and leases to deposits | 90.7562% | 1,791 |
| Net loans and leases to core deposits | 98.8429% | 2,255 |
| Total domestic deposits to total assets | 81.9369% | 5,099 |
| Equity capital to assets | 7.5230% | 7,058 |
| Core capital (leverage) ratio | 7.7512% | 6,568 |
| Tier 1 risk-based capital ratio | 10.9685% | 6,192 |
| Total risk-based capital ratio | 11.4245% | 6,894 |
| Memoranda: | ||
| Average total assets | $130,581,000 | 4,398 |
| Average earning assets | $121,662,000 | 4,336 |
| Average equity | $9,939,500 | 5,256 |
| Average total loans | $100,757,000 | 3,936 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7531% | 2,852 |
| Cost of funding earning assets | 1.8500% | 3,733 |
| Net interest margin | 3.9030% | 3,256 |
| Noninterest income to average assets | 0.7780% | 2,524 |
| Noninterest expense to average assets | 3.5327% | 2,310 |
| Loan and lease loss provision to assets | 0.1904% | 5,818 |
| Net operating income to assets | 0.4829% | 3,801 |
| Return on assets (ROA) | 0.4829% | 3,897 |
| Pretax return on assets | 0.6991% | 3,578 |
| Return on Equity (ROE) | 6.2625% | 3,097 |
| Retained earnings to average equity (ytd only) | 5.0769% | 1,780 |
| Net charge-offs to loans | 0.4342% | 4,064 |
| Credit loss provision to net charge-offs | 57.2500% | 6,672 |
| Earnings coverage of net charge-offs (x) | 2.6750% | 3,769 |
| Efficiency ratio | 79.8872% | 2,907 |
| Assets per employee ($millions) | 3.0749% | 6,046 |
| Cash dividends to net income (ytd only)* | 18.9329% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3955% | 7,762 |
| Loan loss allowance to noncurrent loans | 22.2098% | 6,954 |
| Noncurrent assets plus other real estate owned to assets | 1.4214% | 4,284 |
| Noncurrent loans to loans | 1.7807% | 3,968 |
| Net loans and leases to total assets | 79.5088% | 1,088 |
| Net loans and leases to deposits | 92.9100% | 1,748 |
| Net loans and leases to core deposits | 121.3437% | 1,853 |
| Total domestic deposits to total assets | 85.5762% | 3,240 |
| Equity capital to assets | 7.7069% | 6,853 |
| Core capital (leverage) ratio | 7.6550% | 6,604 |
| Tier 1 risk-based capital ratio | 10.6288% | 6,271 |
| Total risk-based capital ratio | 11.0642% | 6,990 |
| Memoranda: | ||
| Average total assets | $120,304,400 | 4,553 |
| Average earning assets | $112,323,000 | 4,501 |
| Average equity | $9,277,400 | 5,520 |
| Average total loans | $92,124,200 | 4,155 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6955% | 3,360 |
| Cost of funding earning assets | 1.9085% | 3,839 |
| Net interest margin | 3.7870% | 3,712 |
| Noninterest income to average assets | 0.8660% | 2,123 |
| Noninterest expense to average assets | 3.6007% | 2,024 |
| Loan and lease loss provision to assets | 0.1054% | 6,323 |
| Net operating income to assets | 0.4823% | 4,067 |
| Return on assets (ROA) | 0.4823% | 4,159 |
| Pretax return on assets | 0.6966% | 3,868 |
| Return on Equity (ROE) | 6.2537% | 3,414 |
| Retained earnings to average equity (ytd only) | 4.9447% | 2,518 |
| Net charge-offs to loans | 0.3407% | 3,933 |
| Credit loss provision to net charge-offs | 40.8696% | 6,413 |
| Earnings coverage of net charge-offs (x) | 3.1087% | 3,682 |
| Efficiency ratio | 81.7834% | 2,610 |
| Assets per employee ($millions) | 3.0605% | 6,010 |
| Cash dividends to net income (ytd only)* | 20.9307% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4560% | 7,761 |
| Loan loss allowance to noncurrent loans | 23.8962% | 6,849 |
| Noncurrent assets plus other real estate owned to assets | 1.5317% | 4,068 |
| Noncurrent loans to loans | 1.9084% | 3,765 |
| Net loans and leases to total assets | 75.3246% | 2,150 |
| Net loans and leases to deposits | 88.0384% | 2,950 |
| Net loans and leases to core deposits | 117.1808% | 2,508 |
| Total domestic deposits to total assets | 85.5588% | 2,941 |
| Equity capital to assets | 7.6290% | 7,207 |
| Core capital (leverage) ratio | 7.7438% | 6,673 |
| Tier 1 risk-based capital ratio | 11.0293% | 5,922 |
| Total risk-based capital ratio | 11.5283% | 6,651 |
| Memoranda: | ||
| Average total assets | $118,863,250 | 4,630 |
| Average earning assets | $111,008,000 | 4,556 |
| Average equity | $9,167,750 | 5,609 |
| Average total loans | $89,996,750 | 4,245 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7933% | 3,084 |
| Cost of funding earning assets | 1.9733% | 3,900 |
| Net interest margin | 3.8200% | 3,459 |
| Noninterest income to average assets | 0.9206% | 1,896 |
| Noninterest expense to average assets | 3.5849% | 2,109 |
| Loan and lease loss provision to assets | 0.0651% | 6,556 |
| Net operating income to assets | 0.5520% | 3,869 |
| Return on assets (ROA) | 0.5520% | 3,992 |
| Pretax return on assets | 0.8384% | 3,544 |
| Return on Equity (ROE) | 7.1297% | 3,152 |
| Retained earnings to average equity (ytd only) | 5.8012% | 2,115 |
| Net charge-offs to loans | 0.4686% | 2,958 |
| Credit loss provision to net charge-offs | 18.3575% | 6,143 |
| Earnings coverage of net charge-offs (x) | 2.5459% | 3,796 |
| Efficiency ratio | 79.8701% | 3,058 |
| Assets per employee ($millions) | 3.1213% | 5,805 |
| Cash dividends to net income (ytd only)* | 18.6335% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4410% | 7,857 |
| Loan loss allowance to noncurrent loans | 24.0240% | 6,896 |
| Noncurrent assets plus other real estate owned to assets | 1.4581% | 4,059 |
| Noncurrent loans to loans | 1.8358% | 3,756 |
| Net loans and leases to total assets | 74.1783% | 2,660 |
| Net loans and leases to deposits | 87.2074% | 3,320 |
| Net loans and leases to core deposits | 117.2976% | 2,606 |
| Total domestic deposits to total assets | 85.0597% | 3,235 |
| Equity capital to assets | 7.7901% | 6,995 |
| Core capital (leverage) ratio | 7.9738% | 6,380 |
| Tier 1 risk-based capital ratio | 11.3336% | 5,563 |
| Total risk-based capital ratio | 11.8118% | 6,269 |
| Memoranda: | ||
| Average total assets | $116,657,330 | 4,715 |
| Average earning assets | $108,953,000 | 4,658 |
| Average equity | $9,032,670 | 5,675 |
| Average total loans | $88,345,330 | 4,323 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8796% | 2,896 |
| Cost of funding earning assets | 2.0977% | 3,665 |
| Net interest margin | 3.7819% | 3,527 |
| Noninterest income to average assets | 0.7150% | 2,791 |
| Noninterest expense to average assets | 3.3964% | 2,367 |
| Loan and lease loss provision to assets | 0.0771% | 5,991 |
| Net operating income to assets | 0.4942% | 4,446 |
| Return on assets (ROA) | 0.4942% | 4,634 |
| Pretax return on assets | 0.7676% | 4,195 |
| Return on Equity (ROE) | 6.4036% | 3,860 |
| Retained earnings to average equity (ytd only) | 5.0412% | 3,103 |
| Net charge-offs to loans | 0.3533% | 2,671 |
| Credit loss provision to net charge-offs | 28.5714% | 4,966 |
| Earnings coverage of net charge-offs (x) | 3.1299% | 3,277 |
| Efficiency ratio | 80.0826% | 2,809 |
| Assets per employee ($millions) | 3.1542% | 5,727 |
| Cash dividends to net income (ytd only)* | 21.2766% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5805% | 7,695 |
| Loan loss allowance to noncurrent loans | 52.5562% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 5,091 |
| Noncurrent loans to loans | 1.1045% | 4,778 |
| Net loans and leases to total assets | 75.4280% | 2,404 |
| Net loans and leases to deposits | 89.3034% | 3,048 |
| Net loans and leases to core deposits | 120.6009% | 2,363 |
| Total domestic deposits to total assets | 84.4627% | 3,479 |
| Equity capital to assets | 7.9465% | 6,887 |
| Core capital (leverage) ratio | 8.1234% | 6,250 |
| Tier 1 risk-based capital ratio | 11.4815% | 5,436 |
| Total risk-based capital ratio | 12.1181% | 5,931 |
| Memoranda: | ||
| Average total assets | $114,120,500 | 4,799 |
| Average earning assets | $106,402,000 | 4,737 |
| Average equity | $8,807,500 | 5,772 |
| Average total loans | $87,169,000 | 4,383 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2984% | 3,970 |
| Cost of funding earning assets | 2.5398% | 4,002 |
| Net interest margin | 3.7586% | 4,186 |
| Noninterest income to average assets | 0.6064% | 3,797 |
| Noninterest expense to average assets | 3.4524% | 2,517 |
| Loan and lease loss provision to assets | 0.1553% | 5,374 |
| Net operating income to assets | 0.3440% | 5,380 |
| Return on assets (ROA) | 0.3324% | 5,251 |
| Pretax return on assets | 0.4749% | 5,054 |
| Return on Equity (ROE) | 4.3161% | 4,675 |
| Retained earnings to average equity (ytd only) | 3.0710% | 3,251 |
| Net charge-offs to loans | 0.1229% | 5,012 |
| Credit loss provision to net charge-offs | 168.3168% | 3,058 |
| Earnings coverage of net charge-offs (x) | 7.0099% | 3,213 |
| Efficiency ratio | 84.2246% | 2,025 |
| Assets per employee ($millions) | 3.0982% | 5,770 |
| Cash dividends to net income (ytd only)* | 28.8462% | 4,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6632% | 7,518 |
| Loan loss allowance to noncurrent loans | 254.0179% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 6,767 |
| Noncurrent loans to loans | 0.2611% | 6,594 |
| Net loans and leases to total assets | 76.4119% | 2,520 |
| Net loans and leases to deposits | 90.6901% | 3,335 |
| Net loans and leases to core deposits | 122.1125% | 2,497 |
| Total domestic deposits to total assets | 84.2561% | 3,201 |
| Equity capital to assets | 7.4784% | 7,399 |
| Core capital (leverage) ratio | 7.4931% | 7,211 |
| Tier 1 risk-based capital ratio | 10.5885% | 6,116 |
| Total risk-based capital ratio | 11.3111% | 6,550 |
| Memoranda: | ||
| Average total assets | $109,490,600 | 4,801 |
| Average earning assets | $101,740,400 | 4,759 |
| Average equity | $8,433,600 | 5,930 |
| Average total loans | $82,152,600 | 4,447 |