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 | 4.1417% | 3,737 |
| Cost of funding earning assets | 1.2347% | 2,712 |
| Net interest margin | 2.9070% | 3,469 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.5275% | 2,225 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.4863% | 3,691 |
| Return on assets (ROA) | 0.4977% | 3,671 |
| Pretax return on assets | 0.6839% | 3,468 |
| Return on Equity (ROE) | 8.1200% | 2,988 |
| Retained earnings to average equity (ytd only) | 2.2789% | 3,510 |
| Net charge-offs to loans | -0.0158% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.8439% | 1,178 |
| Assets per employee ($millions) | 4.8978% | 3,705 |
| Cash dividends to net income (ytd only)* | 71.9424% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 1,347 |
| Loan loss allowance to noncurrent loans | 844.2953% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 2,839 |
| Noncurrent loans to loans | 0.1673% | 2,683 |
| Net loans and leases to total assets | 60.7500% | 2,780 |
| Net loans and leases to deposits | 68.8281% | 2,968 |
| Net loans and leases to core deposits | 70.7863% | 3,259 |
| Total domestic deposits to total assets | 88.2700% | 1,263 |
| Equity capital to assets | 6.5422% | 4,099 |
| Core capital (leverage) ratio | 8.1666% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7313% | 1,968 |
| Memoranda: | ||
| Average total assets | $558,530,400 | 1,589 |
| Average earning assets | $517,127,200 | 1,583 |
| Average equity | $34,227,000 | 2,087 |
| Average total loans | $335,450,200 | 1,664 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0621% | 3,727 |
| Cost of funding earning assets | 1.1413% | 2,617 |
| Net interest margin | 2.9208% | 3,498 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.5227% | 2,155 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.4522% | 3,862 |
| Return on assets (ROA) | 0.4602% | 3,849 |
| Pretax return on assets | 0.6314% | 3,680 |
| Return on Equity (ROE) | 7.6400% | 3,282 |
| Retained earnings to average equity (ytd only) | -0.3560% | 4,189 |
| Net charge-offs to loans | -0.0214% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.5655% | 1,043 |
| Assets per employee ($millions) | 4.8809% | 3,685 |
| Cash dividends to net income (ytd only)* | 104.6572% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 1,556 |
| Loan loss allowance to noncurrent loans | 938.6100% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 2,974 |
| Noncurrent loans to loans | 0.1466% | 2,819 |
| Net loans and leases to total assets | 61.0200% | 2,745 |
| Net loans and leases to deposits | 67.8945% | 2,985 |
| Net loans and leases to core deposits | 69.7582% | 3,218 |
| Total domestic deposits to total assets | 89.8800% | 973 |
| Equity capital to assets | 5.5333% | 4,132 |
| Core capital (leverage) ratio | 8.0206% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5952% | 2,046 |
| Memoranda: | ||
| Average total assets | $553,678,750 | 1,598 |
| Average earning assets | $512,135,500 | 1,591 |
| Average equity | $33,331,250 | 2,111 |
| Average total loans | $330,276,500 | 1,679 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 3,825 |
| Cost of funding earning assets | 1.0082% | 2,580 |
| Net interest margin | 2.9175% | 3,616 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.5130% | 2,169 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.4573% | 3,901 |
| Return on assets (ROA) | 0.4651% | 3,884 |
| Pretax return on assets | 0.6385% | 3,726 |
| Return on Equity (ROE) | 7.5100% | 3,362 |
| Retained earnings to average equity (ytd only) | -4.2821% | 4,399 |
| Net charge-offs to loans | -0.0291% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.2528% | 1,068 |
| Assets per employee ($millions) | 5.1079% | 3,498 |
| Cash dividends to net income (ytd only)* | 156.9859% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 1,531 |
| Loan loss allowance to noncurrent loans | 710.1644% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 2,705 |
| Noncurrent loans to loans | 0.1974% | 2,476 |
| Net loans and leases to total assets | 59.4800% | 2,822 |
| Net loans and leases to deposits | 65.6006% | 3,087 |
| Net loans and leases to core deposits | 66.6469% | 3,315 |
| Total domestic deposits to total assets | 90.6700% | 737 |
| Equity capital to assets | 5.9400% | 4,176 |
| Core capital (leverage) ratio | 8.2098% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9208% | 1,934 |
| Memoranda: | ||
| Average total assets | $547,881,667 | 1,613 |
| Average earning assets | $506,467,333 | 1,612 |
| Average equity | $33,908,667 | 2,100 |
| Average total loans | $322,585,333 | 1,695 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7594% | 3,923 |
| Cost of funding earning assets | 0.8740% | 2,460 |
| Net interest margin | 2.8854% | 3,812 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.5809% | 2,009 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.3651% | 4,144 |
| Return on assets (ROA) | 0.3727% | 4,082 |
| Pretax return on assets | 0.5118% | 3,977 |
| Return on Equity (ROE) | 5.9000% | 3,733 |
| Retained earnings to average equity (ytd only) | 5.8990% | 2,788 |
| Net charge-offs to loans | -0.0433% | 4,324 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.1817% | 756 |
| Assets per employee ($millions) | 4.8861% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 1,555 |
| Loan loss allowance to noncurrent loans | 710.9034% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 2,686 |
| Noncurrent loans to loans | 0.1994% | 2,477 |
| Net loans and leases to total assets | 58.5200% | 2,821 |
| Net loans and leases to deposits | 64.5813% | 3,041 |
| Net loans and leases to core deposits | 65.7060% | 3,250 |
| Total domestic deposits to total assets | 90.6200% | 936 |
| Equity capital to assets | 6.5040% | 4,028 |
| Core capital (leverage) ratio | 8.6183% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7229% | 1,710 |
| Memoranda: | ||
| Average total assets | $540,889,000 | 1,651 |
| Average earning assets | $499,337,500 | 1,653 |
| Average equity | $34,175,500 | 2,110 |
| Average total loans | $314,407,000 | 1,743 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3084% | 3,572 |
| Cost of funding earning assets | 0.2534% | 3,293 |
| Net interest margin | 3.0551% | 3,301 |
| Noninterest income to average assets | 1.4400% | 361 |
| Noninterest expense to average assets | 2.5899% | 1,854 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.1580% | 1,942 |
| Return on assets (ROA) | 0.9849% | 2,575 |
| Pretax return on assets | 1.3140% | 2,043 |
| Return on Equity (ROE) | 14.8400% | 1,300 |
| Retained earnings to average equity (ytd only) | 10.5428% | 996 |
| Net charge-offs to loans | -0.0142% | 3,941 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.7399% | 2,951 |
| Assets per employee ($millions) | 4.9488% | 3,713 |
| Cash dividends to net income (ytd only)* | 28.9464% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 1,258 |
| Loan loss allowance to noncurrent loans | 1,309.5101% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,160 |
| Noncurrent loans to loans | 0.1131% | 2,963 |
| Net loans and leases to total assets | 56.0400% | 3,025 |
| Net loans and leases to deposits | 62.0999% | 3,189 |
| Net loans and leases to core deposits | 63.1469% | 3,322 |
| Total domestic deposits to total assets | 90.2500% | 1,260 |
| Equity capital to assets | 6.1318% | 4,041 |
| Core capital (leverage) ratio | 8.4859% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9643% | 1,638 |
| Memoranda: | ||
| Average total assets | $526,160,800 | 1,667 |
| Average earning assets | $486,669,400 | 1,663 |
| Average equity | $34,924,400 | 2,114 |
| Average total loans | $281,300,800 | 1,805 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2061% | 3,419 |
| Cost of funding earning assets | 0.1592% | 3,739 |
| Net interest margin | 3.0469% | 3,089 |
| Noninterest income to average assets | 1.2500% | 473 |
| Noninterest expense to average assets | 2.6141% | 1,685 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.9742% | 2,571 |
| Return on assets (ROA) | 0.9708% | 2,559 |
| Pretax return on assets | 1.3327% | 1,941 |
| Return on Equity (ROE) | 14.3400% | 1,340 |
| Retained earnings to average equity (ytd only) | 8.6924% | 1,757 |
| Net charge-offs to loans | -0.0179% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.1690% | 2,523 |
| Assets per employee ($millions) | 4.9599% | 3,712 |
| Cash dividends to net income (ytd only)* | 39.4011% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 1,433 |
| Loan loss allowance to noncurrent loans | 1,195.8101% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 3,211 |
| Noncurrent loans to loans | 0.1218% | 3,035 |
| Net loans and leases to total assets | 55.0900% | 2,996 |
| Net loans and leases to deposits | 61.3994% | 3,079 |
| Net loans and leases to core deposits | 62.2530% | 3,229 |
| Total domestic deposits to total assets | 89.7300% | 1,770 |
| Equity capital to assets | 5.3432% | 4,177 |
| Core capital (leverage) ratio | 8.4776% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6862% | 1,817 |
| Memoranda: | ||
| Average total assets | $522,845,750 | 1,685 |
| Average earning assets | $484,188,500 | 1,675 |
| Average equity | $35,386,500 | 2,127 |
| Average total loans | $274,914,000 | 1,830 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0795% | 3,359 |
| Cost of funding earning assets | 0.1213% | 3,946 |
| Net interest margin | 2.9582% | 3,010 |
| Noninterest income to average assets | 0.5990% | 1,742 |
| Noninterest expense to average assets | 2.5868% | 1,678 |
| Loan and lease loss provision to assets | 0.0406% | 1,855 |
| Net operating income to assets | 0.5211% | 3,843 |
| Return on assets (ROA) | 0.5151% | 3,814 |
| Pretax return on assets | 0.7124% | 3,546 |
| Return on Equity (ROE) | 7.1077% | 3,287 |
| Retained earnings to average equity (ytd only) | -0.8250% | 4,281 |
| Net charge-offs to loans | -0.0089% | 3,551 |
| Credit loss provision to net charge-offs | -883.3333% | 3,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2753% | 1,149 |
| Assets per employee ($millions) | 4.7576% | 3,884 |
| Cash dividends to net income (ytd only)* | 111.6071% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 1,694 |
| Loan loss allowance to noncurrent loans | 1,052.0325% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,260 |
| Noncurrent loans to loans | 0.1345% | 3,037 |
| Net loans and leases to total assets | 52.1534% | 3,134 |
| Net loans and leases to deposits | 57.0292% | 3,301 |
| Net loans and leases to core deposits | 57.5076% | 3,463 |
| Total domestic deposits to total assets | 91.4503% | 1,045 |
| Equity capital to assets | 6.0764% | 4,181 |
| Core capital (leverage) ratio | 8.1550% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8082% | 1,762 |
| Memoranda: | ||
| Average total assets | $521,878,000 | 1,693 |
| Average earning assets | $484,881,333 | 1,687 |
| Average equity | $37,818,000 | 2,085 |
| Average total loans | $268,575,333 | 1,861 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9667% | 3,350 |
| Cost of funding earning assets | 0.1214% | 3,884 |
| Net interest margin | 2.8453% | 2,997 |
| Noninterest income to average assets | 0.5746% | 1,804 |
| Noninterest expense to average assets | 2.6596% | 1,451 |
| Loan and lease loss provision to assets | 0.0275% | 1,873 |
| Net operating income to assets | 0.3920% | 3,972 |
| Return on assets (ROA) | 0.3950% | 3,930 |
| Pretax return on assets | 0.5417% | 3,781 |
| Return on Equity (ROE) | 5.0474% | 3,609 |
| Retained earnings to average equity (ytd only) | 5.0474% | 2,578 |
| Net charge-offs to loans | -0.0151% | 3,769 |
| Credit loss provision to net charge-offs | -360.0000% | 3,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4686% | 950 |
| Assets per employee ($millions) | 4.8008% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 1,910 |
| Loan loss allowance to noncurrent loans | 865.9091% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 3,234 |
| Noncurrent loans to loans | 0.1615% | 2,999 |
| Net loans and leases to total assets | 51.3450% | 3,037 |
| Net loans and leases to deposits | 56.7221% | 3,195 |
| Net loans and leases to core deposits | 57.2939% | 3,362 |
| Total domestic deposits to total assets | 90.5202% | 1,283 |
| Equity capital to assets | 6.9958% | 4,217 |
| Core capital (leverage) ratio | 8.2800% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2306% | 1,711 |
| Memoranda: | ||
| Average total assets | $523,528,000 | 1,701 |
| Average earning assets | $487,682,000 | 1,692 |
| Average equity | $40,971,500 | 2,021 |
| Average total loans | $265,694,000 | 1,854 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1737% | 3,530 |
| Cost of funding earning assets | 0.1739% | 3,728 |
| Net interest margin | 2.9998% | 3,193 |
| Noninterest income to average assets | 1.2008% | 732 |
| Noninterest expense to average assets | 2.6689% | 1,717 |
| Loan and lease loss provision to assets | -0.0820% | 4,483 |
| Net operating income to assets | 1.0169% | 2,605 |
| Return on assets (ROA) | 1.0169% | 2,680 |
| Pretax return on assets | 1.4062% | 2,033 |
| Return on Equity (ROE) | 11.3907% | 2,024 |
| Retained earnings to average equity (ytd only) | 5.8289% | 2,430 |
| Net charge-offs to loans | -0.0204% | 3,987 |
| Credit loss provision to net charge-offs | 826.0000% | 598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8391% | 2,142 |
| Assets per employee ($millions) | 5.3446% | 3,421 |
| Cash dividends to net income (ytd only)* | 48.8281% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 1,718 |
| Loan loss allowance to noncurrent loans | 980.2083% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,443 |
| Noncurrent loans to loans | 0.1483% | 3,195 |
| Net loans and leases to total assets | 48.7109% | 3,432 |
| Net loans and leases to deposits | 55.7058% | 3,445 |
| Net loans and leases to core deposits | 56.3191% | 3,594 |
| Total domestic deposits to total assets | 87.4431% | 2,317 |
| Equity capital to assets | 8.6555% | 3,931 |
| Core capital (leverage) ratio | 8.3284% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5277% | 1,678 |
| Memoranda: | ||
| Average total assets | $503,496,400 | 1,688 |
| Average earning assets | $468,663,400 | 1,690 |
| Average equity | $44,948,800 | 1,924 |
| Average total loans | $245,309,200 | 1,958 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1277% | 3,749 |
| Cost of funding earning assets | 0.1912% | 3,705 |
| Net interest margin | 2.9364% | 3,466 |
| Noninterest income to average assets | 1.1551% | 856 |
| Noninterest expense to average assets | 2.7010% | 1,583 |
| Loan and lease loss provision to assets | -0.1671% | 4,707 |
| Net operating income to assets | 0.9871% | 2,960 |
| Return on assets (ROA) | 0.9871% | 3,038 |
| Pretax return on assets | 1.3528% | 2,486 |
| Return on Equity (ROE) | 10.9691% | 2,378 |
| Retained earnings to average equity (ytd only) | 3.5375% | 3,734 |
| Net charge-offs to loans | -0.0276% | 4,097 |
| Credit loss provision to net charge-offs | 1,250.0000% | 457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4955% | 1,655 |
| Assets per employee ($millions) | 5.2137% | 3,488 |
| Cash dividends to net income (ytd only)* | 67.7507% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 1,727 |
| Loan loss allowance to noncurrent loans | 561.1374% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 3,308 |
| Noncurrent loans to loans | 0.2628% | 2,876 |
| Net loans and leases to total assets | 45.5182% | 3,828 |
| Net loans and leases to deposits | 51.0818% | 3,944 |
| Net loans and leases to core deposits | 51.4871% | 4,063 |
| Total domestic deposits to total assets | 89.1084% | 1,222 |
| Equity capital to assets | 8.6544% | 4,100 |
| Core capital (leverage) ratio | 8.1039% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9382% | 1,635 |
| Memoranda: | ||
| Average total assets | $498,427,000 | 1,716 |
| Average earning assets | $463,632,500 | 1,721 |
| Average equity | $44,852,250 | 1,949 |
| Average total loans | $241,911,750 | 2,016 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0137% | 4,016 |
| Cost of funding earning assets | 0.2067% | 3,682 |
| Net interest margin | 2.8070% | 3,776 |
| Noninterest income to average assets | 1.2796% | 709 |
| Noninterest expense to average assets | 2.7829% | 1,392 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8048% | 3,501 |
| Return on assets (ROA) | 0.8048% | 3,573 |
| Pretax return on assets | 1.1031% | 3,206 |
| Return on Equity (ROE) | 8.8243% | 3,161 |
| Retained earnings to average equity (ytd only) | -2.3457% | 4,688 |
| Net charge-offs to loans | -0.0396% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6128% | 1,468 |
| Assets per employee ($millions) | 4.8856% | 3,760 |
| Cash dividends to net income (ytd only)* | 126.5823% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7523% | 968 |
| Loan loss allowance to noncurrent loans | 645.1314% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 3,394 |
| Noncurrent loans to loans | 0.2716% | 2,966 |
| Net loans and leases to total assets | 45.6214% | 3,929 |
| Net loans and leases to deposits | 51.1096% | 4,040 |
| Net loans and leases to core deposits | 51.5841% | 4,153 |
| Total domestic deposits to total assets | 89.2620% | 1,158 |
| Equity capital to assets | 8.4614% | 4,231 |
| Core capital (leverage) ratio | 8.0403% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6117% | 1,756 |
| Memoranda: | ||
| Average total assets | $490,780,333 | 1,734 |
| Average earning assets | $455,711,333 | 1,739 |
| Average equity | $44,762,667 | 1,942 |
| Average total loans | $242,259,333 | 2,013 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0798% | 3,931 |
| Cost of funding earning assets | 0.2179% | 3,744 |
| Net interest margin | 2.8619% | 3,613 |
| Noninterest income to average assets | 1.5952% | 550 |
| Noninterest expense to average assets | 2.8895% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9898% | 2,838 |
| Return on assets (ROA) | 0.9898% | 2,935 |
| Pretax return on assets | 1.3567% | 2,405 |
| Return on Equity (ROE) | 10.4487% | 2,550 |
| Retained earnings to average equity (ytd only) | 10.4487% | 1,535 |
| Net charge-offs to loans | -0.0540% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0479% | 1,928 |
| Assets per employee ($millions) | 4.7561% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7244% | 992 |
| Loan loss allowance to noncurrent loans | 524.4641% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 3,350 |
| Noncurrent loans to loans | 0.3288% | 2,917 |
| Net loans and leases to total assets | 48.3858% | 3,772 |
| Net loans and leases to deposits | 54.6995% | 3,893 |
| Net loans and leases to core deposits | 55.3012% | 4,022 |
| Total domestic deposits to total assets | 88.4576% | 1,625 |
| Equity capital to assets | 9.1622% | 3,531 |
| Core capital (leverage) ratio | 8.8683% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9956% | 1,287 |
| Memoranda: | ||
| Average total assets | $479,676,000 | 1,748 |
| Average earning assets | $444,320,000 | 1,762 |
| Average equity | $45,441,000 | 1,902 |
| Average total loans | $244,285,500 | 1,998 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1794% | 2,201 |
| Cost of funding earning assets | 0.4492% | 3,286 |
| Net interest margin | 3.7302% | 1,704 |
| Noninterest income to average assets | 2.3754% | 261 |
| Noninterest expense to average assets | 3.0978% | 1,236 |
| Loan and lease loss provision to assets | 0.0133% | 4,206 |
| Net operating income to assets | 1.9102% | 310 |
| Return on assets (ROA) | 1.9152% | 330 |
| Pretax return on assets | 2.6672% | 158 |
| Return on Equity (ROE) | 18.3840% | 308 |
| Retained earnings to average equity (ytd only) | 12.6790% | 262 |
| Net charge-offs to loans | -0.0180% | 4,396 |
| Credit loss provision to net charge-offs | -122.2222% | 3,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6690% | 4,246 |
| Assets per employee ($millions) | 4.5638% | 3,854 |
| Cash dividends to net income (ytd only)* | 31.0323% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6679% | 1,112 |
| Loan loss allowance to noncurrent loans | 613.9881% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 3,575 |
| Noncurrent loans to loans | 0.2716% | 3,221 |
| Net loans and leases to total assets | 51.7481% | 3,683 |
| Net loans and leases to deposits | 59.1822% | 3,814 |
| Net loans and leases to core deposits | 59.9352% | 3,947 |
| Total domestic deposits to total assets | 87.4387% | 1,729 |
| Equity capital to assets | 9.8764% | 3,238 |
| Core capital (leverage) ratio | 8.9266% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8093% | 1,307 |
| Memoranda: | ||
| Average total assets | $412,229,200 | 1,819 |
| Average earning assets | $375,369,000 | 1,852 |
| Average equity | $42,945,000 | 1,909 |
| Average total loans | $250,053,600 | 1,919 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 1,544 |
| Cost of funding earning assets | 0.5059% | 3,186 |
| Net interest margin | 4.0045% | 1,108 |
| Noninterest income to average assets | 2.2042% | 288 |
| Noninterest expense to average assets | 3.1163% | 1,206 |
| Loan and lease loss provision to assets | 0.0184% | 4,103 |
| Net operating income to assets | 1.9704% | 318 |
| Return on assets (ROA) | 1.9773% | 344 |
| Pretax return on assets | 2.7107% | 155 |
| Return on Equity (ROE) | 18.6932% | 312 |
| Retained earnings to average equity (ytd only) | 10.9295% | 591 |
| Net charge-offs to loans | -0.0191% | 4,404 |
| Credit loss provision to net charge-offs | -152.7778% | 3,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3911% | 4,216 |
| Assets per employee ($millions) | 4.4300% | 3,925 |
| Cash dividends to net income (ytd only)* | 41.5325% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 1,201 |
| Loan loss allowance to noncurrent loans | 412.5251% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 3,335 |
| Noncurrent loans to loans | 0.3786% | 2,929 |
| Net loans and leases to total assets | 57.4335% | 3,473 |
| Net loans and leases to deposits | 65.7301% | 3,639 |
| Net loans and leases to core deposits | 66.6437% | 3,854 |
| Total domestic deposits to total assets | 87.3778% | 1,512 |
| Equity capital to assets | 9.8262% | 3,398 |
| Core capital (leverage) ratio | 9.1295% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2909% | 1,420 |
| Memoranda: | ||
| Average total assets | $397,768,750 | 1,849 |
| Average earning assets | $360,820,000 | 1,880 |
| Average equity | $42,074,750 | 1,928 |
| Average total loans | $250,722,250 | 1,918 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6858% | 1,440 |
| Cost of funding earning assets | 0.5627% | 3,168 |
| Net interest margin | 4.1230% | 1,070 |
| Noninterest income to average assets | 1.9398% | 305 |
| Noninterest expense to average assets | 3.0969% | 1,364 |
| Loan and lease loss provision to assets | 0.0211% | 3,982 |
| Net operating income to assets | 1.8526% | 451 |
| Return on assets (ROA) | 1.8634% | 482 |
| Pretax return on assets | 2.5554% | 195 |
| Return on Equity (ROE) | 17.1334% | 437 |
| Retained earnings to average equity (ytd only) | 5.2689% | 2,358 |
| Net charge-offs to loans | -0.0130% | 4,280 |
| Credit loss provision to net charge-offs | -250.0000% | 3,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7180% | 4,096 |
| Assets per employee ($millions) | 4.1613% | 4,146 |
| Cash dividends to net income (ytd only)* | 69.2482% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 1,203 |
| Loan loss allowance to noncurrent loans | 428.7815% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 3,419 |
| Noncurrent loans to loans | 0.3549% | 3,130 |
| Net loans and leases to total assets | 62.8537% | 3,028 |
| Net loans and leases to deposits | 73.8934% | 3,085 |
| Net loans and leases to core deposits | 75.1256% | 3,361 |
| Total domestic deposits to total assets | 85.0600% | 2,371 |
| Equity capital to assets | 10.0306% | 3,178 |
| Core capital (leverage) ratio | 9.1321% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4598% | 1,644 |
| Memoranda: | ||
| Average total assets | $379,737,667 | 1,891 |
| Average earning assets | $342,613,000 | 1,933 |
| Average equity | $41,299,333 | 1,946 |
| Average total loans | $246,417,333 | 1,928 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 2,128 |
| Cost of funding earning assets | 0.6215% | 3,321 |
| Net interest margin | 3.9377% | 1,558 |
| Noninterest income to average assets | 1.0983% | 711 |
| Noninterest expense to average assets | 3.1102% | 1,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1044% | 1,829 |
| Return on assets (ROA) | 1.1272% | 1,860 |
| Pretax return on assets | 1.5490% | 1,187 |
| Return on Equity (ROE) | 9.9144% | 1,773 |
| Retained earnings to average equity (ytd only) | 9.9144% | 759 |
| Net charge-offs to loans | 0.0476% | 1,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 48.7857% | 913 |
| Efficiency ratio | 67.1714% | 2,795 |
| Assets per employee ($millions) | 3.7647% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 880 |
| Loan loss allowance to noncurrent loans | 253.5193% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 2,739 |
| Noncurrent loans to loans | 0.6705% | 2,316 |
| Net loans and leases to total assets | 63.3072% | 3,149 |
| Net loans and leases to deposits | 76.1641% | 3,057 |
| Net loans and leases to core deposits | 77.5205% | 3,390 |
| Total domestic deposits to total assets | 83.1195% | 3,073 |
| Equity capital to assets | 11.4607% | 2,473 |
| Core capital (leverage) ratio | 10.4112% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4860% | 1,758 |
| Memoranda: | ||
| Average total assets | $359,459,000 | 1,924 |
| Average earning assets | $322,424,500 | 1,966 |
| Average equity | $40,870,000 | 1,953 |
| Average total loans | $235,499,500 | 1,961 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 1,574 |
| Cost of funding earning assets | 0.6007% | 3,634 |
| Net interest margin | 4.3629% | 961 |
| Noninterest income to average assets | 1.2664% | 587 |
| Noninterest expense to average assets | 3.0874% | 1,789 |
| Loan and lease loss provision to assets | 0.0422% | 3,166 |
| Net operating income to assets | 1.4664% | 1,134 |
| Return on assets (ROA) | 1.4629% | 1,211 |
| Pretax return on assets | 2.0091% | 585 |
| Return on Equity (ROE) | 13.1459% | 1,129 |
| Retained earnings to average equity (ytd only) | 8.7390% | 777 |
| Net charge-offs to loans | -0.0081% | 4,417 |
| Credit loss provision to net charge-offs | -747.3684% | 4,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0289% | 3,689 |
| Assets per employee ($millions) | 3.8037% | 4,148 |
| Cash dividends to net income (ytd only)* | 33.5230% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 781 |
| Loan loss allowance to noncurrent loans | 295.3778% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 2,865 |
| Noncurrent loans to loans | 0.5780% | 2,455 |
| Net loans and leases to total assets | 65.5258% | 3,013 |
| Net loans and leases to deposits | 79.1977% | 2,885 |
| Net loans and leases to core deposits | 80.3789% | 3,266 |
| Total domestic deposits to total assets | 82.7370% | 3,294 |
| Equity capital to assets | 11.2761% | 2,737 |
| Core capital (leverage) ratio | 10.2395% | 3,258 |
| Tier 1 risk-based capital ratio | 14.1481% | 3,188 |
| Total risk-based capital ratio | 15.4024% | 3,102 |
| Memoranda: | ||
| Average total assets | $336,464,400 | 1,953 |
| Average earning assets | $298,974,400 | 2,033 |
| Average equity | $37,441,400 | 2,032 |
| Average total loans | $233,921,000 | 1,931 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0150% | 1,494 |
| Cost of funding earning assets | 0.5975% | 3,714 |
| Net interest margin | 4.4175% | 915 |
| Noninterest income to average assets | 1.2103% | 625 |
| Noninterest expense to average assets | 3.0488% | 1,833 |
| Loan and lease loss provision to assets | 0.0570% | 2,758 |
| Net operating income to assets | 1.4619% | 1,298 |
| Return on assets (ROA) | 1.4572% | 1,367 |
| Pretax return on assets | 2.0163% | 664 |
| Return on Equity (ROE) | 13.1412% | 1,221 |
| Retained earnings to average equity (ytd only) | 7.1679% | 1,777 |
| Net charge-offs to loans | -0.0114% | 4,418 |
| Credit loss provision to net charge-offs | -710.0000% | 4,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4521% | 3,740 |
| Assets per employee ($millions) | 3.9706% | 3,944 |
| Cash dividends to net income (ytd only)* | 45.4546% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 824 |
| Loan loss allowance to noncurrent loans | 387.2115% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 3,369 |
| Noncurrent loans to loans | 0.4385% | 2,996 |
| Net loans and leases to total assets | 65.9748% | 3,052 |
| Net loans and leases to deposits | 79.2070% | 2,989 |
| Net loans and leases to core deposits | 80.3106% | 3,367 |
| Total domestic deposits to total assets | 83.2941% | 3,067 |
| Equity capital to assets | 10.9286% | 3,161 |
| Core capital (leverage) ratio | 10.1236% | 3,501 |
| Tier 1 risk-based capital ratio | 13.8675% | 3,392 |
| Total risk-based capital ratio | 15.1218% | 3,303 |
| Memoranda: | ||
| Average total assets | $332,145,500 | 1,983 |
| Average earning assets | $294,576,250 | 2,071 |
| Average equity | $36,829,750 | 2,073 |
| Average total loans | $233,447,000 | 1,953 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0588% | 1,324 |
| Cost of funding earning assets | 0.5902% | 3,703 |
| Net interest margin | 4.4686% | 824 |
| Noninterest income to average assets | 0.9647% | 934 |
| Noninterest expense to average assets | 3.0689% | 1,815 |
| Loan and lease loss provision to assets | 0.0443% | 2,935 |
| Net operating income to assets | 1.3031% | 1,757 |
| Return on assets (ROA) | 1.3031% | 1,822 |
| Pretax return on assets | 1.8021% | 1,024 |
| Return on Equity (ROE) | 11.6910% | 1,696 |
| Retained earnings to average equity (ytd only) | 2.5833% | 3,901 |
| Net charge-offs to loans | -0.0164% | 4,486 |
| Credit loss provision to net charge-offs | -378.9474% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4358% | 3,359 |
| Assets per employee ($millions) | 3.5186% | 4,482 |
| Cash dividends to net income (ytd only)* | 77.9037% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 830 |
| Loan loss allowance to noncurrent loans | 402.0325% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 3,369 |
| Noncurrent loans to loans | 0.4212% | 3,020 |
| Net loans and leases to total assets | 68.7044% | 2,726 |
| Net loans and leases to deposits | 82.9618% | 2,621 |
| Net loans and leases to core deposits | 84.1889% | 3,090 |
| Total domestic deposits to total assets | 82.8145% | 3,267 |
| Equity capital to assets | 11.1012% | 2,945 |
| Core capital (leverage) ratio | 10.1840% | 3,403 |
| Tier 1 risk-based capital ratio | 13.8671% | 3,388 |
| Total risk-based capital ratio | 15.1222% | 3,288 |
| Memoranda: | ||
| Average total assets | $325,065,670 | 2,027 |
| Average earning assets | $287,380,670 | 2,112 |
| Average equity | $36,233,000 | 2,089 |
| Average total loans | $232,205,330 | 1,963 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9796% | 1,385 |
| Cost of funding earning assets | 0.6006% | 3,569 |
| Net interest margin | 4.3790% | 944 |
| Noninterest income to average assets | 0.8213% | 1,236 |
| Noninterest expense to average assets | 3.1267% | 1,670 |
| Loan and lease loss provision to assets | 0.0200% | 3,182 |
| Net operating income to assets | 1.1070% | 2,439 |
| Return on assets (ROA) | 1.0922% | 2,545 |
| Pretax return on assets | 1.5053% | 1,748 |
| Return on Equity (ROE) | 9.7778% | 2,459 |
| Retained earnings to average equity (ytd only) | -8.6603% | 5,059 |
| Net charge-offs to loans | -0.0190% | 4,473 |
| Credit loss provision to net charge-offs | -145.4545% | 3,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9428% | 2,805 |
| Assets per employee ($millions) | 3.6210% | 4,441 |
| Cash dividends to net income (ytd only)* | 188.5714% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 903 |
| Loan loss allowance to noncurrent loans | 368.5606% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 3,288 |
| Noncurrent loans to loans | 0.4556% | 2,949 |
| Net loans and leases to total assets | 70.7168% | 2,377 |
| Net loans and leases to deposits | 86.2036% | 2,107 |
| Net loans and leases to core deposits | 87.6194% | 2,726 |
| Total domestic deposits to total assets | 82.0346% | 3,715 |
| Equity capital to assets | 11.0454% | 2,803 |
| Core capital (leverage) ratio | 10.0502% | 3,547 |
| Tier 1 risk-based capital ratio | 13.4292% | 3,648 |
| Total risk-based capital ratio | 14.6842% | 3,548 |
| Memoranda: | ||
| Average total assets | $320,463,000 | 2,060 |
| Average earning assets | $281,708,500 | 2,166 |
| Average equity | $35,795,500 | 2,106 |
| Average total loans | $231,500,500 | 1,983 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9301% | 1,203 |
| Cost of funding earning assets | 0.4068% | 3,948 |
| Net interest margin | 4.5233% | 730 |
| Noninterest income to average assets | 0.9963% | 949 |
| Noninterest expense to average assets | 3.3130% | 1,288 |
| Loan and lease loss provision to assets | 0.1310% | 1,675 |
| Net operating income to assets | 1.0942% | 2,625 |
| Return on assets (ROA) | 1.0942% | 2,623 |
| Pretax return on assets | 1.5063% | 1,761 |
| Return on Equity (ROE) | 9.5559% | 2,721 |
| Retained earnings to average equity (ytd only) | 5.2540% | 2,626 |
| Net charge-offs to loans | 0.0028% | 3,641 |
| Credit loss provision to net charge-offs | 6,650.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 831.0000% | 127 |
| Efficiency ratio | 66.9254% | 2,725 |
| Assets per employee ($millions) | 2.8969% | 5,045 |
| Cash dividends to net income (ytd only)* | 45.0180% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 881 |
| Loan loss allowance to noncurrent loans | 1,234.8243% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 4,338 |
| Noncurrent loans to loans | 0.1354% | 4,128 |
| Net loans and leases to total assets | 71.3450% | 2,371 |
| Net loans and leases to deposits | 86.4795% | 2,217 |
| Net loans and leases to core deposits | 87.7218% | 2,773 |
| Total domestic deposits to total assets | 82.4993% | 3,485 |
| Equity capital to assets | 11.2959% | 2,418 |
| Core capital (leverage) ratio | 10.3331% | 3,220 |
| Tier 1 risk-based capital ratio | 13.8564% | 3,358 |
| Total risk-based capital ratio | 15.1115% | 3,283 |
| Memoranda: | ||
| Average total assets | $304,524,400 | 2,131 |
| Average earning assets | $266,199,000 | 2,219 |
| Average equity | $34,868,400 | 2,079 |
| Average total loans | $216,684,400 | 2,052 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8562% | 1,287 |
| Cost of funding earning assets | 0.3714% | 4,037 |
| Net interest margin | 4.4848% | 765 |
| Noninterest income to average assets | 0.9741% | 1,000 |
| Noninterest expense to average assets | 3.3046% | 1,292 |
| Loan and lease loss provision to assets | 0.0616% | 2,745 |
| Net operating income to assets | 1.1358% | 2,510 |
| Return on assets (ROA) | 1.1358% | 2,526 |
| Pretax return on assets | 1.5282% | 1,813 |
| Return on Equity (ROE) | 9.8841% | 2,674 |
| Retained earnings to average equity (ytd only) | 4.1017% | 3,724 |
| Net charge-offs to loans | -0.0369% | 4,821 |
| Credit loss provision to net charge-offs | -235.5932% | 4,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5174% | 2,628 |
| Assets per employee ($millions) | 2.9545% | 5,067 |
| Cash dividends to net income (ytd only)* | 58.5024% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 976 |
| Loan loss allowance to noncurrent loans | 1,085.7988% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 4,425 |
| Noncurrent loans to loans | 0.1515% | 4,211 |
| Net loans and leases to total assets | 70.7360% | 2,539 |
| Net loans and leases to deposits | 85.0871% | 2,462 |
| Net loans and leases to core deposits | 85.8269% | 3,004 |
| Total domestic deposits to total assets | 83.1336% | 3,252 |
| Equity capital to assets | 11.2858% | 2,404 |
| Core capital (leverage) ratio | 10.3742% | 3,208 |
| Tier 1 risk-based capital ratio | 14.6431% | 3,048 |
| Total risk-based capital ratio | 15.8985% | 2,971 |
| Memoranda: | ||
| Average total assets | $300,991,500 | 2,159 |
| Average earning assets | $263,107,250 | 2,248 |
| Average equity | $34,586,750 | 2,096 |
| Average total loans | $213,053,000 | 2,084 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 1,021 |
| Cost of funding earning assets | 0.3562% | 4,030 |
| Net interest margin | 4.5469% | 629 |
| Noninterest income to average assets | 0.8083% | 1,448 |
| Noninterest expense to average assets | 3.3473% | 1,219 |
| Loan and lease loss provision to assets | 0.0356% | 3,206 |
| Net operating income to assets | 1.0553% | 2,787 |
| Return on assets (ROA) | 1.0553% | 2,778 |
| Pretax return on assets | 1.3930% | 2,169 |
| Return on Equity (ROE) | 9.1275% | 2,961 |
| Retained earnings to average equity (ytd only) | 0.4181% | 4,885 |
| Net charge-offs to loans | -0.0496% | 4,920 |
| Credit loss provision to net charge-offs | -101.9231% | 4,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0872% | 2,298 |
| Assets per employee ($millions) | 2.8773% | 5,179 |
| Cash dividends to net income (ytd only)* | 95.4198% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6662% | 966 |
| Loan loss allowance to noncurrent loans | 1,268.4397% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 4,370 |
| Noncurrent loans to loans | 0.1314% | 4,317 |
| Net loans and leases to total assets | 69.2159% | 2,690 |
| Net loans and leases to deposits | 81.9264% | 2,775 |
| Net loans and leases to core deposits | 94.2976% | 2,198 |
| Total domestic deposits to total assets | 84.4855% | 2,877 |
| Equity capital to assets | 11.2006% | 2,451 |
| Core capital (leverage) ratio | 10.3713% | 3,165 |
| Tier 1 risk-based capital ratio | 14.6999% | 3,018 |
| Total risk-based capital ratio | 15.9554% | 2,946 |
| Memoranda: | ||
| Average total assets | $297,915,000 | 2,188 |
| Average earning assets | $259,958,670 | 2,279 |
| Average equity | $34,445,330 | 2,109 |
| Average total loans | $209,701,330 | 2,106 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 1,956 |
| Cost of funding earning assets | 0.3440% | 4,033 |
| Net interest margin | 4.1266% | 1,375 |
| Noninterest income to average assets | 0.9498% | 1,020 |
| Noninterest expense to average assets | 3.3535% | 1,245 |
| Loan and lease loss provision to assets | 0.0231% | 3,225 |
| Net operating income to assets | 0.9349% | 3,133 |
| Return on assets (ROA) | 0.9349% | 3,152 |
| Pretax return on assets | 1.1754% | 2,866 |
| Return on Equity (ROE) | 7.9566% | 3,395 |
| Retained earnings to average equity (ytd only) | 7.9566% | 1,855 |
| Net charge-offs to loans | -0.0907% | 5,172 |
| Credit loss provision to net charge-offs | -36.1702% | 3,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6716% | 1,936 |
| Assets per employee ($millions) | 2.6590% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 912 |
| Loan loss allowance to noncurrent loans | 1,236.3636% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 4,434 |
| Noncurrent loans to loans | 0.1391% | 4,345 |
| Net loans and leases to total assets | 68.4815% | 2,701 |
| Net loans and leases to deposits | 81.7399% | 2,618 |
| Net loans and leases to core deposits | 94.0049% | 2,140 |
| Total domestic deposits to total assets | 83.7798% | 3,411 |
| Equity capital to assets | 11.7983% | 1,915 |
| Core capital (leverage) ratio | 10.8984% | 2,540 |
| Tier 1 risk-based capital ratio | 15.6261% | 2,620 |
| Total risk-based capital ratio | 16.8824% | 2,558 |
| Memoranda: | ||
| Average total assets | $294,376,500 | 2,226 |
| Average earning assets | $256,966,000 | 2,315 |
| Average equity | $34,587,500 | 2,118 |
| Average total loans | $207,212,000 | 2,138 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8420% | 906 |
| Cost of funding earning assets | 0.3217% | 3,935 |
| Net interest margin | 4.5203% | 591 |
| Noninterest income to average assets | 1.0533% | 916 |
| Noninterest expense to average assets | 3.3848% | 1,228 |
| Loan and lease loss provision to assets | 0.1079% | 2,082 |
| Net operating income to assets | 1.1295% | 1,757 |
| Return on assets (ROA) | 1.1295% | 1,786 |
| Pretax return on assets | 1.5430% | 1,478 |
| Return on Equity (ROE) | 9.5364% | 2,088 |
| Retained earnings to average equity (ytd only) | 6.9712% | 1,087 |
| Net charge-offs to loans | 0.0332% | 3,126 |
| Credit loss provision to net charge-offs | 444.1176% | 706 |
| Earnings coverage of net charge-offs (x) | 67.9265% | 874 |
| Efficiency ratio | 67.2156% | 3,047 |
| Assets per employee ($millions) | 3.2990% | 4,938 |
| Cash dividends to net income (ytd only)* | 26.8987% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 1,008 |
| Loan loss allowance to noncurrent loans | 6,312.7273% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 4,864 |
| Noncurrent loans to loans | 0.0263% | 4,897 |
| Net loans and leases to total assets | 69.9219% | 2,529 |
| Net loans and leases to deposits | 83.6080% | 2,535 |
| Net loans and leases to core deposits | 97.0878% | 1,937 |
| Total domestic deposits to total assets | 83.6306% | 3,343 |
| Equity capital to assets | 11.7003% | 2,032 |
| Core capital (leverage) ratio | 10.5260% | 2,820 |
| Tier 1 risk-based capital ratio | 15.5000% | 2,631 |
| Total risk-based capital ratio | 16.7560% | 2,562 |
| Memoranda: | ||
| Average total assets | $279,780,200 | 2,290 |
| Average earning assets | $246,490,600 | 2,371 |
| Average equity | $33,136,200 | 2,164 |
| Average total loans | $204,637,000 | 2,122 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8114% | 908 |
| Cost of funding earning assets | 0.3178% | 3,953 |
| Net interest margin | 4.4937% | 608 |
| Noninterest income to average assets | 1.0939% | 848 |
| Noninterest expense to average assets | 3.3689% | 1,205 |
| Loan and lease loss provision to assets | 0.1337% | 1,624 |
| Net operating income to assets | 0.9679% | 2,702 |
| Return on assets (ROA) | 0.9679% | 2,756 |
| Pretax return on assets | 1.5624% | 1,535 |
| Return on Equity (ROE) | 8.1463% | 3,051 |
| Retained earnings to average equity (ytd only) | 4.6945% | 3,082 |
| Net charge-offs to loans | -0.0550% | 5,190 |
| Credit loss provision to net charge-offs | -329.7619% | 4,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5142% | 3,118 |
| Assets per employee ($millions) | 3.5133% | 4,716 |
| Cash dividends to net income (ytd only)* | 42.3731% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 1,019 |
| Loan loss allowance to noncurrent loans | 89,975.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 4,886 |
| Noncurrent loans to loans | 0.0019% | 5,156 |
| Net loans and leases to total assets | 71.0657% | 2,399 |
| Net loans and leases to deposits | 85.5533% | 2,358 |
| Net loans and leases to core deposits | 99.2105% | 1,778 |
| Total domestic deposits to total assets | 83.0660% | 3,435 |
| Equity capital to assets | 11.4903% | 2,384 |
| Core capital (leverage) ratio | 10.4565% | 3,036 |
| Tier 1 risk-based capital ratio | 13.5987% | 3,640 |
| Total risk-based capital ratio | 14.8540% | 3,559 |
| Memoranda: | ||
| Average total assets | $276,323,000 | 2,322 |
| Average earning assets | $244,189,250 | 2,406 |
| Average equity | $32,832,000 | 2,190 |
| Average total loans | $203,604,000 | 2,140 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8157% | 839 |
| Cost of funding earning assets | 0.3045% | 4,038 |
| Net interest margin | 4.5112% | 557 |
| Noninterest income to average assets | 1.0522% | 918 |
| Noninterest expense to average assets | 3.4133% | 1,139 |
| Loan and lease loss provision to assets | 0.1320% | 1,582 |
| Net operating income to assets | 0.9298% | 2,762 |
| Return on assets (ROA) | 0.9298% | 2,820 |
| Pretax return on assets | 1.4947% | 1,660 |
| Return on Equity (ROE) | 7.7345% | 3,178 |
| Retained earnings to average equity (ytd only) | 2.5209% | 4,175 |
| Net charge-offs to loans | -0.0775% | 5,330 |
| Credit loss provision to net charge-offs | -229.4872% | 4,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7249% | 3,064 |
| Assets per employee ($millions) | 3.3633% | 4,904 |
| Cash dividends to net income (ytd only)* | 67.4068% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6643% | 1,121 |
| Loan loss allowance to noncurrent loans | 49,928.5714% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 4,902 |
| Noncurrent loans to loans | 0.0033% | 5,189 |
| Net loans and leases to total assets | 73.9768% | 1,870 |
| Net loans and leases to deposits | 90.9442% | 1,617 |
| Net loans and leases to core deposits | 101.2925% | 1,566 |
| Total domestic deposits to total assets | 81.3431% | 4,092 |
| Equity capital to assets | 11.7470% | 2,117 |
| Core capital (leverage) ratio | 10.7033% | 2,699 |
| Tier 1 risk-based capital ratio | 13.9315% | 3,459 |
| Total risk-based capital ratio | 15.1870% | 3,378 |
| Memoranda: | ||
| Average total assets | $271,230,000 | 2,365 |
| Average earning assets | $239,758,670 | 2,451 |
| Average equity | $32,607,330 | 2,198 |
| Average total loans | $201,196,000 | 2,156 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 837 |
| Cost of funding earning assets | 0.2910% | 4,135 |
| Net interest margin | 4.4648% | 558 |
| Noninterest income to average assets | 1.0910% | 833 |
| Noninterest expense to average assets | 3.4258% | 1,145 |
| Loan and lease loss provision to assets | 0.1527% | 1,211 |
| Net operating income to assets | 0.9114% | 2,705 |
| Return on assets (ROA) | 0.9114% | 2,760 |
| Pretax return on assets | 1.4622% | 1,655 |
| Return on Equity (ROE) | 7.4919% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.4919% | 1,657 |
| Net charge-offs to loans | -0.1138% | 5,484 |
| Credit loss provision to net charge-offs | -182.1429% | 4,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9632% | 3,204 |
| Assets per employee ($millions) | 3.4697% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 1,137 |
| Loan loss allowance to noncurrent loans | 28,308.3333% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 4,962 |
| Noncurrent loans to loans | 0.0060% | 5,238 |
| Net loans and leases to total assets | 72.4822% | 2,004 |
| Net loans and leases to deposits | 88.7479% | 1,702 |
| Net loans and leases to core deposits | 90.8869% | 2,281 |
| Total domestic deposits to total assets | 81.6721% | 4,254 |
| Equity capital to assets | 12.1514% | 1,737 |
| Core capital (leverage) ratio | 11.0590% | 2,300 |
| Tier 1 risk-based capital ratio | 12.8522% | 4,168 |
| Total risk-based capital ratio | 14.1055% | 4,066 |
| Memoranda: | ||
| Average total assets | $267,269,500 | 2,415 |
| Average earning assets | $236,426,500 | 2,496 |
| Average equity | $32,515,000 | 2,217 |
| Average total loans | $196,793,000 | 2,209 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8829% | 763 |
| Cost of funding earning assets | 0.2612% | 4,452 |
| Net interest margin | 4.6217% | 485 |
| Noninterest income to average assets | 1.7215% | 410 |
| Noninterest expense to average assets | 3.5257% | 1,122 |
| Loan and lease loss provision to assets | 0.1377% | 1,813 |
| Net operating income to assets | 1.3314% | 1,140 |
| Return on assets (ROA) | 1.3314% | 1,196 |
| Pretax return on assets | 2.1588% | 354 |
| Return on Equity (ROE) | 10.8923% | 1,620 |
| Retained earnings to average equity (ytd only) | 6.7435% | 1,339 |
| Net charge-offs to loans | -0.0395% | 5,329 |
| Credit loss provision to net charge-offs | -477.0270% | 5,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5561% | 4,497 |
| Assets per employee ($millions) | 3.2581% | 5,089 |
| Cash dividends to net income (ytd only)* | 38.0897% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6694% | 1,207 |
| Loan loss allowance to noncurrent loans | 3,305.1020% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 4,861 |
| Noncurrent loans to loans | 0.0505% | 5,044 |
| Net loans and leases to total assets | 72.2944% | 2,127 |
| Net loans and leases to deposits | 86.7687% | 2,080 |
| Net loans and leases to core deposits | 97.2887% | 1,816 |
| Total domestic deposits to total assets | 83.3185% | 3,656 |
| Equity capital to assets | 12.1802% | 1,691 |
| Core capital (leverage) ratio | 10.9348% | 2,399 |
| Tier 1 risk-based capital ratio | 13.2604% | 3,917 |
| Total risk-based capital ratio | 14.5135% | 3,834 |
| Memoranda: | ||
| Average total assets | $256,347,600 | 2,458 |
| Average earning assets | $227,447,000 | 2,535 |
| Average equity | $31,334,000 | 2,266 |
| Average total loans | $187,542,800 | 2,236 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9012% | 722 |
| Cost of funding earning assets | 0.2655% | 4,438 |
| Net interest margin | 4.6357% | 474 |
| Noninterest income to average assets | 1.8758% | 380 |
| Noninterest expense to average assets | 3.5133% | 1,127 |
| Loan and lease loss provision to assets | 0.1535% | 1,519 |
| Net operating income to assets | 1.4263% | 1,013 |
| Return on assets (ROA) | 1.4263% | 1,066 |
| Pretax return on assets | 2.3259% | 303 |
| Return on Equity (ROE) | 11.6578% | 1,428 |
| Retained earnings to average equity (ytd only) | 6.0901% | 2,130 |
| Net charge-offs to loans | -0.0409% | 5,294 |
| Credit loss provision to net charge-offs | -514.0351% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6255% | 4,734 |
| Assets per employee ($millions) | 3.3940% | 4,917 |
| Cash dividends to net income (ytd only)* | 47.7590% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 1,354 |
| Loan loss allowance to noncurrent loans | 3,292.7083% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 4,971 |
| Noncurrent loans to loans | 0.0498% | 5,160 |
| Net loans and leases to total assets | 72.5948% | 2,094 |
| Net loans and leases to deposits | 86.7143% | 2,184 |
| Net loans and leases to core deposits | 97.0037% | 1,903 |
| Total domestic deposits to total assets | 83.7172% | 3,316 |
| Equity capital to assets | 12.2057% | 1,977 |
| Core capital (leverage) ratio | 10.7144% | 2,769 |
| Tier 1 risk-based capital ratio | 12.8753% | 4,235 |
| Total risk-based capital ratio | 14.1280% | 4,148 |
| Memoranda: | ||
| Average total assets | $254,458,750 | 2,478 |
| Average earning assets | $225,980,000 | 2,551 |
| Average equity | $31,131,500 | 2,296 |
| Average total loans | $185,922,000 | 2,257 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 786 |
| Cost of funding earning assets | 0.2624% | 4,523 |
| Net interest margin | 4.5960% | 513 |
| Noninterest income to average assets | 1.9757% | 339 |
| Noninterest expense to average assets | 3.4239% | 1,330 |
| Loan and lease loss provision to assets | 0.1380% | 1,639 |
| Net operating income to assets | 1.5410% | 826 |
| Return on assets (ROA) | 1.5410% | 871 |
| Pretax return on assets | 2.4984% | 219 |
| Return on Equity (ROE) | 12.5858% | 1,140 |
| Retained earnings to average equity (ytd only) | 4.1650% | 3,256 |
| Net charge-offs to loans | -0.0752% | 5,523 |
| Credit loss provision to net charge-offs | -252.1739% | 4,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4978% | 5,086 |
| Assets per employee ($millions) | 3.1076% | 5,320 |
| Cash dividends to net income (ytd only)* | 66.9068% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 1,514 |
| Loan loss allowance to noncurrent loans | 3,084.8485% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 5,052 |
| Noncurrent loans to loans | 0.0520% | 5,252 |
| Net loans and leases to total assets | 72.6113% | 2,064 |
| Net loans and leases to deposits | 87.5913% | 2,053 |
| Net loans and leases to core deposits | 97.9990% | 1,806 |
| Total domestic deposits to total assets | 82.8979% | 3,691 |
| Equity capital to assets | 12.0910% | 2,063 |
| Core capital (leverage) ratio | 10.7759% | 2,674 |
| Tier 1 risk-based capital ratio | 12.3801% | 4,607 |
| Total risk-based capital ratio | 13.6319% | 4,518 |
| Memoranda: | ||
| Average total assets | $252,166,000 | 2,517 |
| Average earning assets | $224,109,330 | 2,577 |
| Average equity | $30,876,000 | 2,319 |
| Average total loans | $183,603,330 | 2,278 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 826 |
| Cost of funding earning assets | 0.2545% | 4,654 |
| Net interest margin | 4.5573% | 543 |
| Noninterest income to average assets | 0.9258% | 1,246 |
| Noninterest expense to average assets | 3.4996% | 1,182 |
| Loan and lease loss provision to assets | 0.0738% | 2,487 |
| Net operating income to assets | 0.8954% | 2,776 |
| Return on assets (ROA) | 0.8954% | 2,901 |
| Pretax return on assets | 1.4040% | 1,896 |
| Return on Equity (ROE) | 7.2654% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.2654% | 1,765 |
| Net charge-offs to loans | -0.0200% | 4,857 |
| Credit loss provision to net charge-offs | -511.1111% | 4,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3095% | 3,066 |
| Assets per employee ($millions) | 2.9628% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 1,645 |
| Loan loss allowance to noncurrent loans | 266.6047% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 3,475 |
| Noncurrent loans to loans | 0.5955% | 3,402 |
| Net loans and leases to total assets | 71.3894% | 2,132 |
| Net loans and leases to deposits | 85.6963% | 2,090 |
| Net loans and leases to core deposits | 93.1116% | 2,076 |
| Total domestic deposits to total assets | 83.3051% | 3,788 |
| Equity capital to assets | 12.4698% | 1,702 |
| Core capital (leverage) ratio | 10.9105% | 2,486 |
| Tier 1 risk-based capital ratio | 12.9432% | 4,301 |
| Total risk-based capital ratio | 14.1947% | 4,216 |
| Memoranda: | ||
| Average total assets | $249,285,000 | 2,544 |
| Average earning assets | $221,620,500 | 2,608 |
| Average equity | $30,721,000 | 2,324 |
| Average total loans | $180,235,500 | 2,305 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 803 |
| Cost of funding earning assets | 0.2583% | 4,706 |
| Net interest margin | 4.6212% | 519 |
| Noninterest income to average assets | 1.0744% | 1,020 |
| Noninterest expense to average assets | 3.3223% | 1,673 |
| Loan and lease loss provision to assets | 0.0953% | 2,407 |
| Net operating income to assets | 1.1052% | 1,901 |
| Return on assets (ROA) | 1.1127% | 1,926 |
| Pretax return on assets | 1.7717% | 847 |
| Return on Equity (ROE) | 9.0118% | 2,449 |
| Retained earnings to average equity (ytd only) | 4.9661% | 2,446 |
| Net charge-offs to loans | 0.0634% | 2,955 |
| Credit loss provision to net charge-offs | 212.0370% | 1,333 |
| Earnings coverage of net charge-offs (x) | 41.2685% | 1,147 |
| Efficiency ratio | 64.1663% | 4,225 |
| Assets per employee ($millions) | 3.0084% | 5,515 |
| Cash dividends to net income (ytd only)* | 44.8934% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 1,747 |
| Loan loss allowance to noncurrent loans | 247.6652% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 3,655 |
| Noncurrent loans to loans | 0.6308% | 3,294 |
| Net loans and leases to total assets | 70.9360% | 2,210 |
| Net loans and leases to deposits | 86.6883% | 2,041 |
| Net loans and leases to core deposits | 94.3876% | 2,012 |
| Total domestic deposits to total assets | 81.8288% | 4,215 |
| Equity capital to assets | 12.1780% | 1,826 |
| Core capital (leverage) ratio | 10.7541% | 2,655 |
| Tier 1 risk-based capital ratio | 13.7690% | 3,845 |
| Total risk-based capital ratio | 15.0218% | 3,772 |
| Memoranda: | ||
| Average total assets | $240,227,600 | 2,579 |
| Average earning assets | $213,301,800 | 2,649 |
| Average equity | $29,661,000 | 2,344 |
| Average total loans | $170,334,200 | 2,352 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9160% | 742 |
| Cost of funding earning assets | 0.2567% | 4,798 |
| Net interest margin | 4.6593% | 484 |
| Noninterest income to average assets | 1.0213% | 1,137 |
| Noninterest expense to average assets | 3.2511% | 1,823 |
| Loan and lease loss provision to assets | 0.0841% | 2,491 |
| Net operating income to assets | 1.1475% | 1,840 |
| Return on assets (ROA) | 1.1575% | 1,876 |
| Pretax return on assets | 1.8425% | 819 |
| Return on Equity (ROE) | 9.3412% | 2,394 |
| Retained earnings to average equity (ytd only) | 3.9129% | 3,678 |
| Net charge-offs to loans | 0.0294% | 3,344 |
| Credit loss provision to net charge-offs | 405.4054% | 751 |
| Earnings coverage of net charge-offs (x) | 92.1391% | 670 |
| Efficiency ratio | 62.9819% | 4,405 |
| Assets per employee ($millions) | 3.0561% | 5,483 |
| Cash dividends to net income (ytd only)* | 58.1115% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 1,705 |
| Loan loss allowance to noncurrent loans | 207.7835% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 3,498 |
| Noncurrent loans to loans | 0.7813% | 3,012 |
| Net loans and leases to total assets | 69.4758% | 2,466 |
| Net loans and leases to deposits | 82.1651% | 2,631 |
| Net loans and leases to core deposits | 89.1462% | 2,540 |
| Total domestic deposits to total assets | 84.5563% | 3,192 |
| Equity capital to assets | 12.2264% | 1,930 |
| Core capital (leverage) ratio | 10.6132% | 2,913 |
| Tier 1 risk-based capital ratio | 13.9485% | 3,874 |
| Total risk-based capital ratio | 15.2023% | 3,811 |
| Memoranda: | ||
| Average total assets | $237,860,250 | 2,606 |
| Average earning assets | $211,386,500 | 2,684 |
| Average equity | $29,474,250 | 2,368 |
| Average total loans | $167,933,750 | 2,391 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9184% | 701 |
| Cost of funding earning assets | 0.2553% | 4,886 |
| Net interest margin | 4.6631% | 470 |
| Noninterest income to average assets | 1.0388% | 1,099 |
| Noninterest expense to average assets | 3.1682% | 2,071 |
| Loan and lease loss provision to assets | 0.0917% | 2,286 |
| Net operating income to assets | 1.2043% | 1,589 |
| Return on assets (ROA) | 1.2043% | 1,668 |
| Pretax return on assets | 1.9181% | 714 |
| Return on Equity (ROE) | 9.6745% | 2,219 |
| Retained earnings to average equity (ytd only) | 1.4931% | 4,952 |
| Net charge-offs to loans | 0.0781% | 2,271 |
| Credit loss provision to net charge-offs | 166.1538% | 1,432 |
| Earnings coverage of net charge-offs (x) | 36.4308% | 1,199 |
| Efficiency ratio | 61.1867% | 4,800 |
| Assets per employee ($millions) | 3.0485% | 5,534 |
| Cash dividends to net income (ytd only)* | 84.5666% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 1,838 |
| Loan loss allowance to noncurrent loans | 233.3903% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 3,612 |
| Noncurrent loans to loans | 0.6951% | 3,408 |
| Net loans and leases to total assets | 69.6962% | 2,364 |
| Net loans and leases to deposits | 82.0086% | 2,552 |
| Net loans and leases to core deposits | 93.1684% | 2,044 |
| Total domestic deposits to total assets | 84.9864% | 3,127 |
| Equity capital to assets | 12.2737% | 1,826 |
| Core capital (leverage) ratio | 10.6712% | 2,769 |
| Tier 1 risk-based capital ratio | 14.2625% | 3,787 |
| Total risk-based capital ratio | 15.5164% | 3,709 |
| Memoranda: | ||
| Average total assets | $235,651,000 | 2,650 |
| Average earning assets | $209,173,670 | 2,719 |
| Average equity | $29,335,000 | 2,392 |
| Average total loans | $166,357,330 | 2,413 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9370% | 642 |
| Cost of funding earning assets | 0.2553% | 4,961 |
| Net interest margin | 4.6817% | 424 |
| Noninterest income to average assets | 1.0299% | 1,055 |
| Noninterest expense to average assets | 3.1494% | 2,135 |
| Loan and lease loss provision to assets | 0.1569% | 1,297 |
| Net operating income to assets | 1.1851% | 1,590 |
| Return on assets (ROA) | 1.1851% | 1,689 |
| Pretax return on assets | 1.8825% | 742 |
| Return on Equity (ROE) | 9.4526% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.4526% | 1,052 |
| Net charge-offs to loans | 0.1137% | 1,607 |
| Credit loss provision to net charge-offs | 195.7447% | 1,067 |
| Earnings coverage of net charge-offs (x) | 25.4468% | 1,266 |
| Efficiency ratio | 60.6967% | 5,003 |
| Assets per employee ($millions) | 3.2737% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 1,948 |
| Loan loss allowance to noncurrent loans | 169.9814% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7306% | 3,300 |
| Noncurrent loans to loans | 0.9583% | 2,863 |
| Net loans and leases to total assets | 70.0721% | 2,134 |
| Net loans and leases to deposits | 82.9022% | 2,220 |
| Net loans and leases to core deposits | 92.1781% | 1,929 |
| Total domestic deposits to total assets | 84.5237% | 3,609 |
| Equity capital to assets | 12.6532% | 1,597 |
| Core capital (leverage) ratio | 11.0176% | 2,396 |
| Tier 1 risk-based capital ratio | 12.7564% | 4,755 |
| Total risk-based capital ratio | 14.0076% | 4,668 |
| Memoranda: | ||
| Average total assets | $234,584,000 | 2,679 |
| Average earning assets | $208,387,500 | 2,748 |
| Average equity | $29,410,000 | 2,397 |
| Average total loans | $165,306,000 | 2,431 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0482% | 708 |
| Cost of funding earning assets | 0.2739% | 5,058 |
| Net interest margin | 4.7743% | 449 |
| Noninterest income to average assets | 0.8572% | 1,653 |
| Noninterest expense to average assets | 3.2629% | 2,029 |
| Loan and lease loss provision to assets | 0.0535% | 3,489 |
| Net operating income to assets | 1.1014% | 1,970 |
| Return on assets (ROA) | 1.1099% | 1,991 |
| Pretax return on assets | 1.7514% | 891 |
| Return on Equity (ROE) | 8.9257% | 2,629 |
| Retained earnings to average equity (ytd only) | 4.6618% | 2,848 |
| Net charge-offs to loans | -0.0324% | 5,811 |
| Credit loss provision to net charge-offs | -237.2549% | 5,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5542% | 4,494 |
| Assets per employee ($millions) | 3.0719% | 5,602 |
| Cash dividends to net income (ytd only)* | 47.7707% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 1,920 |
| Loan loss allowance to noncurrent loans | 593.5982% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 4,999 |
| Noncurrent loans to loans | 0.2784% | 4,856 |
| Net loans and leases to total assets | 68.5439% | 2,485 |
| Net loans and leases to deposits | 80.7409% | 2,631 |
| Net loans and leases to core deposits | 89.5516% | 2,330 |
| Total domestic deposits to total assets | 84.8937% | 3,333 |
| Equity capital to assets | 12.4198% | 1,693 |
| Core capital (leverage) ratio | 10.6754% | 2,744 |
| Tier 1 risk-based capital ratio | 14.7366% | 3,636 |
| Total risk-based capital ratio | 15.9915% | 3,565 |
| Memoranda: | ||
| Average total assets | $226,330,400 | 2,728 |
| Average earning assets | $198,982,600 | 2,816 |
| Average equity | $28,143,600 | 2,396 |
| Average total loans | $157,373,600 | 2,464 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1232% | 610 |
| Cost of funding earning assets | 0.2788% | 5,108 |
| Net interest margin | 4.8444% | 387 |
| Noninterest income to average assets | 0.8497% | 1,698 |
| Noninterest expense to average assets | 3.2877% | 1,930 |
| Loan and lease loss provision to assets | 0.0528% | 3,318 |
| Net operating income to assets | 1.1153% | 1,969 |
| Return on assets (ROA) | 1.1157% | 2,035 |
| Pretax return on assets | 1.7605% | 960 |
| Return on Equity (ROE) | 8.9697% | 2,701 |
| Retained earnings to average equity (ytd only) | 3.2413% | 4,322 |
| Net charge-offs to loans | -0.0376% | 5,811 |
| Credit loss provision to net charge-offs | -202.2727% | 5,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4587% | 4,472 |
| Assets per employee ($millions) | 3.1516% | 5,512 |
| Cash dividends to net income (ytd only)* | 63.8638% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6886% | 2,008 |
| Loan loss allowance to noncurrent loans | 450.6803% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 4,973 |
| Noncurrent loans to loans | 0.3747% | 4,784 |
| Net loans and leases to total assets | 67.9917% | 2,533 |
| Net loans and leases to deposits | 79.9306% | 2,699 |
| Net loans and leases to core deposits | 88.6357% | 2,362 |
| Total domestic deposits to total assets | 85.0634% | 3,317 |
| Equity capital to assets | 12.5052% | 1,700 |
| Core capital (leverage) ratio | 10.7052% | 2,813 |
| Tier 1 risk-based capital ratio | 14.8625% | 3,670 |
| Total risk-based capital ratio | 16.1174% | 3,602 |
| Memoranda: | ||
| Average total assets | $224,546,750 | 2,763 |
| Average earning assets | $197,033,750 | 2,864 |
| Average equity | $27,930,500 | 2,423 |
| Average total loans | $156,038,250 | 2,493 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1647% | 535 |
| Cost of funding earning assets | 0.2818% | 5,160 |
| Net interest margin | 4.8829% | 352 |
| Noninterest income to average assets | 0.8062% | 1,815 |
| Noninterest expense to average assets | 3.3554% | 1,793 |
| Loan and lease loss provision to assets | 0.0501% | 3,302 |
| Net operating income to assets | 1.0658% | 2,053 |
| Return on assets (ROA) | 1.0663% | 2,129 |
| Pretax return on assets | 1.6759% | 1,073 |
| Return on Equity (ROE) | 8.5883% | 2,793 |
| Retained earnings to average equity (ytd only) | -0.0504% | 5,689 |
| Net charge-offs to loans | -0.0681% | 6,008 |
| Credit loss provision to net charge-offs | -105.6604% | 5,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0450% | 4,360 |
| Assets per employee ($millions) | 2.8726% | 5,929 |
| Cash dividends to net income (ytd only)* | 100.5868% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 2,303 |
| Loan loss allowance to noncurrent loans | 696.8170% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 5,179 |
| Noncurrent loans to loans | 0.2362% | 5,289 |
| Net loans and leases to total assets | 69.1851% | 2,200 |
| Net loans and leases to deposits | 81.5410% | 2,310 |
| Net loans and leases to core deposits | 91.4384% | 1,985 |
| Total domestic deposits to total assets | 84.8470% | 3,584 |
| Equity capital to assets | 12.2178% | 1,844 |
| Core capital (leverage) ratio | 10.3959% | 3,088 |
| Tier 1 risk-based capital ratio | 14.1115% | 4,185 |
| Total risk-based capital ratio | 15.3663% | 4,116 |
| Memoranda: | ||
| Average total assets | $223,758,000 | 2,781 |
| Average earning assets | $195,866,330 | 2,885 |
| Average equity | $27,782,000 | 2,424 |
| Average total loans | $155,740,330 | 2,497 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8275% | 989 |
| Cost of funding earning assets | 0.2739% | 5,346 |
| Net interest margin | 4.5536% | 602 |
| Noninterest income to average assets | 0.9020% | 1,390 |
| Noninterest expense to average assets | 3.3164% | 1,909 |
| Loan and lease loss provision to assets | 0.0432% | 3,233 |
| Net operating income to assets | 0.9765% | 2,294 |
| Return on assets (ROA) | 0.9776% | 2,354 |
| Pretax return on assets | 1.5250% | 1,354 |
| Return on Equity (ROE) | 7.8103% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.8103% | 1,681 |
| Net charge-offs to loans | -0.1144% | 6,172 |
| Credit loss provision to net charge-offs | -54.5455% | 4,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9204% | 4,196 |
| Assets per employee ($millions) | 2.9486% | 5,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 2,428 |
| Loan loss allowance to noncurrent loans | 402.0218% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 4,853 |
| Noncurrent loans to loans | 0.4167% | 4,888 |
| Net loans and leases to total assets | 68.6120% | 2,122 |
| Net loans and leases to deposits | 81.1709% | 2,143 |
| Net loans and leases to core deposits | 89.2331% | 1,981 |
| Total domestic deposits to total assets | 84.5278% | 4,073 |
| Equity capital to assets | 12.7211% | 1,445 |
| Core capital (leverage) ratio | 10.9382% | 2,452 |
| Tier 1 risk-based capital ratio | 14.7840% | 3,826 |
| Total risk-based capital ratio | 16.0382% | 3,775 |
| Memoranda: | ||
| Average total assets | $222,167,500 | 2,807 |
| Average earning assets | $194,221,000 | 2,918 |
| Average equity | $27,809,500 | 2,416 |
| Average total loans | $153,793,000 | 2,538 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8666% | 1,161 |
| Cost of funding earning assets | 0.3153% | 5,467 |
| Net interest margin | 4.5513% | 666 |
| Noninterest income to average assets | 0.9508% | 1,522 |
| Noninterest expense to average assets | 3.1712% | 2,508 |
| Loan and lease loss provision to assets | -0.0142% | 6,285 |
| Net operating income to assets | 1.1540% | 1,744 |
| Return on assets (ROA) | 1.1567% | 1,794 |
| Pretax return on assets | 1.8191% | 721 |
| Return on Equity (ROE) | 9.1583% | 2,468 |
| Retained earnings to average equity (ytd only) | 4.2988% | 3,115 |
| Net charge-offs to loans | -0.1461% | 6,559 |
| Credit loss provision to net charge-offs | 14.3541% | 4,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7831% | 4,936 |
| Assets per employee ($millions) | 3.0574% | 5,748 |
| Cash dividends to net income (ytd only)* | 53.0612% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 2,601 |
| Loan loss allowance to noncurrent loans | 1,023.5772% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 5,510 |
| Noncurrent loans to loans | 0.1605% | 5,713 |
| Net loans and leases to total assets | 67.5438% | 2,426 |
| Net loans and leases to deposits | 81.5880% | 2,237 |
| Net loans and leases to core deposits | 88.6411% | 2,173 |
| Total domestic deposits to total assets | 82.7864% | 4,616 |
| Equity capital to assets | 12.3155% | 1,617 |
| Core capital (leverage) ratio | 10.5828% | 2,800 |
| Tier 1 risk-based capital ratio | 10.6719% | 6,311 |
| Total risk-based capital ratio | 11.6708% | 6,344 |
| Memoranda: | ||
| Average total assets | $211,813,400 | 2,898 |
| Average earning assets | $187,131,400 | 2,996 |
| Average equity | $26,751,800 | 2,483 |
| Average total loans | $143,072,000 | 2,656 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 1,173 |
| Cost of funding earning assets | 0.3217% | 5,537 |
| Net interest margin | 4.5552% | 672 |
| Noninterest income to average assets | 0.9851% | 1,495 |
| Noninterest expense to average assets | 3.1359% | 2,548 |
| Loan and lease loss provision to assets | -0.0147% | 6,474 |
| Net operating income to assets | 1.2092% | 1,601 |
| Return on assets (ROA) | 1.2129% | 1,665 |
| Pretax return on assets | 1.9077% | 696 |
| Return on Equity (ROE) | 9.5400% | 2,379 |
| Retained earnings to average equity (ytd only) | 3.0161% | 4,515 |
| Net charge-offs to loans | -0.2562% | 6,696 |
| Credit loss provision to net charge-offs | 8.5185% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4286% | 5,074 |
| Assets per employee ($millions) | 3.2584% | 5,366 |
| Cash dividends to net income (ytd only)* | 68.3851% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7893% | 2,338 |
| Loan loss allowance to noncurrent loans | 943.4307% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 5,382 |
| Noncurrent loans to loans | 0.1897% | 5,768 |
| Net loans and leases to total assets | 64.9891% | 2,804 |
| Net loans and leases to deposits | 76.3844% | 2,898 |
| Net loans and leases to core deposits | 84.0721% | 2,649 |
| Total domestic deposits to total assets | 85.0816% | 3,696 |
| Equity capital to assets | 12.3826% | 1,646 |
| Core capital (leverage) ratio | 10.5716% | 2,924 |
| Tier 1 risk-based capital ratio | 10.8585% | 6,344 |
| Total risk-based capital ratio | 12.0998% | 6,309 |
| Memoranda: | ||
| Average total assets | $208,969,250 | 2,945 |
| Average earning assets | $185,249,500 | 3,042 |
| Average equity | $26,568,000 | 2,520 |
| Average total loans | $140,522,750 | 2,701 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9270% | 1,037 |
| Cost of funding earning assets | 0.3307% | 5,561 |
| Net interest margin | 4.5963% | 603 |
| Noninterest income to average assets | 1.0231% | 1,457 |
| Noninterest expense to average assets | 3.1381% | 2,560 |
| Loan and lease loss provision to assets | -0.0146% | 6,586 |
| Net operating income to assets | 1.2544% | 1,445 |
| Return on assets (ROA) | 1.2650% | 1,514 |
| Pretax return on assets | 1.9936% | 614 |
| Return on Equity (ROE) | 9.8588% | 2,254 |
| Retained earnings to average equity (ytd only) | 0.0151% | 5,842 |
| Net charge-offs to loans | -0.3980% | 6,800 |
| Credit loss provision to net charge-offs | 5.4152% | 3,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5238% | 5,243 |
| Assets per employee ($millions) | 3.3001% | 5,262 |
| Cash dividends to net income (ytd only)* | 99.8464% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 2,380 |
| Loan loss allowance to noncurrent loans | 427.0936% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 4,901 |
| Noncurrent loans to loans | 0.4255% | 5,197 |
| Net loans and leases to total assets | 67.5860% | 2,327 |
| Net loans and leases to deposits | 79.7928% | 2,351 |
| Net loans and leases to core deposits | 86.8348% | 2,248 |
| Total domestic deposits to total assets | 84.7018% | 4,036 |
| Equity capital to assets | 12.6210% | 1,509 |
| Core capital (leverage) ratio | 10.8081% | 2,548 |
| Tier 1 risk-based capital ratio | 13.5834% | 4,721 |
| Total risk-based capital ratio | 14.8273% | 4,685 |
| Memoranda: | ||
| Average total assets | $205,854,000 | 2,990 |
| Average earning assets | $182,626,330 | 3,083 |
| Average equity | $26,413,000 | 2,543 |
| Average total loans | $139,208,330 | 2,733 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8484% | 1,201 |
| Cost of funding earning assets | 0.3339% | 5,683 |
| Net interest margin | 4.5144% | 664 |
| Noninterest income to average assets | 1.0702% | 1,300 |
| Noninterest expense to average assets | 3.1714% | 2,450 |
| Loan and lease loss provision to assets | -0.0156% | 6,744 |
| Net operating income to assets | 1.2264% | 1,444 |
| Return on assets (ROA) | 1.2264% | 1,559 |
| Pretax return on assets | 1.9275% | 696 |
| Return on Equity (ROE) | 9.4794% | 2,279 |
| Retained earnings to average equity (ytd only) | -10.1436% | 6,622 |
| Net charge-offs to loans | -0.1195% | 6,515 |
| Credit loss provision to net charge-offs | 19.5122% | 3,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3896% | 5,258 |
| Assets per employee ($millions) | 3.3520% | 5,332 |
| Cash dividends to net income (ytd only)* | 207.0064% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 2,869 |
| Loan loss allowance to noncurrent loans | 603.5623% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 5,248 |
| Noncurrent loans to loans | 0.2870% | 5,689 |
| Net loans and leases to total assets | 65.8167% | 2,402 |
| Net loans and leases to deposits | 77.9545% | 2,343 |
| Net loans and leases to core deposits | 81.0894% | 2,682 |
| Total domestic deposits to total assets | 84.4296% | 4,298 |
| Equity capital to assets | 12.7876% | 1,539 |
| Core capital (leverage) ratio | 10.6875% | 2,562 |
| Tier 1 risk-based capital ratio | 13.9486% | 4,544 |
| Total risk-based capital ratio | 15.2023% | 4,501 |
| Memoranda: | ||
| Average total assets | $204,827,500 | 3,038 |
| Average earning assets | $182,082,000 | 3,118 |
| Average equity | $26,499,500 | 2,566 |
| Average total loans | $137,254,000 | 2,772 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1250% | 1,254 |
| Cost of funding earning assets | 0.4633% | 5,468 |
| Net interest margin | 4.6618% | 702 |
| Noninterest income to average assets | 1.4944% | 708 |
| Noninterest expense to average assets | 3.2054% | 2,592 |
| Loan and lease loss provision to assets | 0.3593% | 1,851 |
| Net operating income to assets | 1.3107% | 1,269 |
| Return on assets (ROA) | 1.3158% | 1,398 |
| Pretax return on assets | 2.0802% | 512 |
| Return on Equity (ROE) | 10.2417% | 2,077 |
| Retained earnings to average equity (ytd only) | 6.3578% | 1,897 |
| Net charge-offs to loans | 0.1164% | 4,523 |
| Credit loss provision to net charge-offs | 464.5161% | 520 |
| Earnings coverage of net charge-offs (x) | 31.4387% | 973 |
| Efficiency ratio | 56.8647% | 5,964 |
| Assets per employee ($millions) | 3.4197% | 5,172 |
| Cash dividends to net income (ytd only)* | 37.9219% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 2,930 |
| Loan loss allowance to noncurrent loans | 995.3191% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 5,573 |
| Noncurrent loans to loans | 0.1708% | 6,054 |
| Net loans and leases to total assets | 65.9023% | 2,541 |
| Net loans and leases to deposits | 79.6467% | 2,336 |
| Net loans and leases to core deposits | 82.1882% | 2,747 |
| Total domestic deposits to total assets | 82.7433% | 4,828 |
| Equity capital to assets | 13.0868% | 1,398 |
| Core capital (leverage) ratio | 10.9875% | 2,265 |
| Tier 1 risk-based capital ratio | 14.3141% | 4,155 |
| Total risk-based capital ratio | 15.5672% | 4,111 |
| Memoranda: | ||
| Average total assets | $200,409,800 | 3,036 |
| Average earning assets | $178,086,800 | 3,114 |
| Average equity | $25,747,800 | 2,591 |
| Average total loans | $133,141,800 | 2,823 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1446% | 1,316 |
| Cost of funding earning assets | 0.4982% | 5,444 |
| Net interest margin | 4.6464% | 752 |
| Noninterest income to average assets | 1.5540% | 615 |
| Noninterest expense to average assets | 3.2841% | 2,314 |
| Loan and lease loss provision to assets | 0.3862% | 1,669 |
| Net operating income to assets | 1.2855% | 1,483 |
| Return on assets (ROA) | 1.2924% | 1,607 |
| Pretax return on assets | 2.0326% | 662 |
| Return on Equity (ROE) | 10.1077% | 2,294 |
| Retained earnings to average equity (ytd only) | 4.8732% | 3,459 |
| Net charge-offs to loans | 0.0061% | 5,663 |
| Credit loss provision to net charge-offs | 9,616.6667% | 24 |
| Earnings coverage of net charge-offs (x) | 599.6513% | 70 |
| Efficiency ratio | 57.6955% | 5,830 |
| Assets per employee ($millions) | 2.3099% | 6,851 |
| Cash dividends to net income (ytd only)* | 51.7867% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7758% | 2,875 |
| Loan loss allowance to noncurrent loans | 609.0909% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.5064% | 5,405 |
| Noncurrent loans to loans | 0.2915% | 5,907 |
| Net loans and leases to total assets | 65.2954% | 2,781 |
| Net loans and leases to deposits | 77.8896% | 2,673 |
| Net loans and leases to core deposits | 79.8188% | 3,230 |
| Total domestic deposits to total assets | 83.8307% | 4,306 |
| Equity capital to assets | 13.2259% | 1,481 |
| Core capital (leverage) ratio | 10.9950% | 2,387 |
| Tier 1 risk-based capital ratio | 14.4428% | 4,227 |
| Total risk-based capital ratio | 15.6969% | 4,190 |
| Memoranda: | ||
| Average total assets | $199,216,250 | 3,086 |
| Average earning assets | $177,424,750 | 3,166 |
| Average equity | $25,471,750 | 2,642 |
| Average total loans | $132,037,250 | 2,873 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2073% | 1,230 |
| Cost of funding earning assets | 0.5270% | 5,447 |
| Net interest margin | 4.6803% | 702 |
| Noninterest income to average assets | 1.6068% | 575 |
| Noninterest expense to average assets | 3.2376% | 2,472 |
| Loan and lease loss provision to assets | 0.4363% | 1,486 |
| Net operating income to assets | 1.3357% | 1,343 |
| Return on assets (ROA) | 1.3460% | 1,474 |
| Pretax return on assets | 2.1263% | 550 |
| Return on Equity (ROE) | 10.6488% | 2,111 |
| Retained earnings to average equity (ytd only) | 2.7138% | 4,816 |
| Net charge-offs to loans | 0.0015% | 5,497 |
| Credit loss provision to net charge-offs | 43,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 2,539.0000% | 7 |
| Efficiency ratio | 55.9736% | 6,115 |
| Assets per employee ($millions) | 2.8500% | 6,321 |
| Cash dividends to net income (ytd only)* | 74.5156% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 3,503 |
| Loan loss allowance to noncurrent loans | 294.0080% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6035% | 5,265 |
| Noncurrent loans to loans | 0.5541% | 5,408 |
| Net loans and leases to total assets | 66.8356% | 2,498 |
| Net loans and leases to deposits | 80.4279% | 2,324 |
| Net loans and leases to core deposits | 80.4279% | 3,155 |
| Total domestic deposits to total assets | 83.1000% | 4,716 |
| Equity capital to assets | 12.8233% | 1,607 |
| Core capital (leverage) ratio | 10.6446% | 2,666 |
| Tier 1 risk-based capital ratio | 13.8297% | 4,579 |
| Total risk-based capital ratio | 15.0826% | 4,548 |
| Memoranda: | ||
| Average total assets | $199,405,670 | 3,088 |
| Average earning assets | $177,979,670 | 3,164 |
| Average equity | $25,204,670 | 2,647 |
| Average total loans | $132,032,000 | 2,890 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1660% | 1,394 |
| Cost of funding earning assets | 0.5433% | 5,541 |
| Net interest margin | 4.6227% | 789 |
| Noninterest income to average assets | 1.4868% | 653 |
| Noninterest expense to average assets | 3.1160% | 2,861 |
| Loan and lease loss provision to assets | 0.4675% | 1,315 |
| Net operating income to assets | 1.3042% | 1,449 |
| Return on assets (ROA) | 1.3042% | 1,617 |
| Pretax return on assets | 2.0345% | 697 |
| Return on Equity (ROE) | 10.3933% | 2,270 |
| Retained earnings to average equity (ytd only) | -5.5964% | 6,625 |
| Net charge-offs to loans | 0.0399% | 4,141 |
| Credit loss provision to net charge-offs | 1,792.3077% | 191 |
| Earnings coverage of net charge-offs (x) | 95.9231% | 356 |
| Efficiency ratio | 55.4643% | 6,187 |
| Assets per employee ($millions) | 3.0672% | 6,027 |
| Cash dividends to net income (ytd only)* | 153.8462% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 4,066 |
| Loan loss allowance to noncurrent loans | 370.6320% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 5,510 |
| Noncurrent loans to loans | 0.4101% | 5,851 |
| Net loans and leases to total assets | 64.7974% | 2,692 |
| Net loans and leases to deposits | 77.7606% | 2,554 |
| Net loans and leases to core deposits | 78.0236% | 3,319 |
| Total domestic deposits to total assets | 83.3294% | 4,801 |
| Equity capital to assets | 12.4478% | 1,752 |
| Core capital (leverage) ratio | 10.2617% | 3,043 |
| Tier 1 risk-based capital ratio | 13.7658% | 4,635 |
| Total risk-based capital ratio | 15.0175% | 4,619 |
| Memoranda: | ||
| Average total assets | $199,360,000 | 3,112 |
| Average earning assets | $178,164,500 | 3,169 |
| Average equity | $25,016,000 | 2,663 |
| Average total loans | $130,276,500 | 2,935 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4477% | 1,306 |
| Cost of funding earning assets | 0.7833% | 4,982 |
| Net interest margin | 4.6644% | 809 |
| Noninterest income to average assets | 1.1965% | 925 |
| Noninterest expense to average assets | 3.2309% | 2,764 |
| Loan and lease loss provision to assets | 0.5749% | 1,804 |
| Net operating income to assets | 0.9904% | 2,235 |
| Return on assets (ROA) | 0.9904% | 2,379 |
| Pretax return on assets | 1.5459% | 1,352 |
| Return on Equity (ROE) | 8.2669% | 2,777 |
| Retained earnings to average equity (ytd only) | 8.2669% | 995 |
| Net charge-offs to loans | 0.6255% | 2,586 |
| Credit loss provision to net charge-offs | 130.7692% | 2,335 |
| Earnings coverage of net charge-offs (x) | 4.8242% | 2,966 |
| Efficiency ratio | 60.3711% | 5,694 |
| Assets per employee ($millions) | 3.2153% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 4,592 |
| Loan loss allowance to noncurrent loans | 250.2116% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 5,391 |
| Noncurrent loans to loans | 0.5480% | 5,622 |
| Net loans and leases to total assets | 64.0072% | 3,193 |
| Net loans and leases to deposits | 76.8868% | 3,023 |
| Net loans and leases to core deposits | 77.0307% | 3,822 |
| Total domestic deposits to total assets | 83.2486% | 4,647 |
| Equity capital to assets | 12.6485% | 1,700 |
| Core capital (leverage) ratio | 10.4986% | 2,731 |
| Tier 1 risk-based capital ratio | 14.7930% | 3,761 |
| Total risk-based capital ratio | 15.9175% | 3,838 |
| Memoranda: | ||
| Average total assets | $186,294,800 | 3,243 |
| Average earning assets | $165,960,000 | 3,312 |
| Average equity | $22,317,800 | 2,860 |
| Average total loans | $130,944,000 | 2,971 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5288% | 1,186 |
| Cost of funding earning assets | 0.8357% | 4,894 |
| Net interest margin | 4.6931% | 775 |
| Noninterest income to average assets | 1.0526% | 1,211 |
| Noninterest expense to average assets | 3.2001% | 2,836 |
| Loan and lease loss provision to assets | 0.5675% | 1,725 |
| Net operating income to assets | 0.9790% | 2,398 |
| Return on assets (ROA) | 0.9790% | 2,557 |
| Pretax return on assets | 1.4700% | 1,737 |
| Return on Equity (ROE) | 8.2986% | 2,915 |
| Retained earnings to average equity (ytd only) | 8.2986% | 1,394 |
| Net charge-offs to loans | 0.3046% | 3,566 |
| Credit loss provision to net charge-offs | 259.6667% | 1,101 |
| Earnings coverage of net charge-offs (x) | 9.3233% | 2,064 |
| Efficiency ratio | 61.0987% | 5,547 |
| Assets per employee ($millions) | 3.1123% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 4,016 |
| Loan loss allowance to noncurrent loans | 111.0433% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 4,206 |
| Noncurrent loans to loans | 1.3676% | 4,248 |
| Net loans and leases to total assets | 67.2473% | 2,626 |
| Net loans and leases to deposits | 81.6654% | 2,422 |
| Net loans and leases to core deposits | 82.2138% | 3,294 |
| Total domestic deposits to total assets | 82.3449% | 4,953 |
| Equity capital to assets | 12.7853% | 1,729 |
| Core capital (leverage) ratio | 10.5854% | 2,775 |
| Tier 1 risk-based capital ratio | 13.9625% | 4,382 |
| Total risk-based capital ratio | 15.0913% | 4,427 |
| Memoranda: | ||
| Average total assets | $183,030,750 | 3,304 |
| Average earning assets | $163,213,250 | 3,366 |
| Average equity | $21,593,500 | 2,933 |
| Average total loans | $131,336,750 | 2,986 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5671% | 1,132 |
| Cost of funding earning assets | 0.8663% | 4,939 |
| Net interest margin | 4.7009% | 723 |
| Noninterest income to average assets | 0.9559% | 1,444 |
| Noninterest expense to average assets | 3.2506% | 2,723 |
| Loan and lease loss provision to assets | 0.5408% | 1,798 |
| Net operating income to assets | 0.9081% | 2,608 |
| Return on assets (ROA) | 0.9081% | 2,709 |
| Pretax return on assets | 1.3554% | 1,940 |
| Return on Equity (ROE) | 7.9348% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.9348% | 1,482 |
| Net charge-offs to loans | 0.4665% | 2,711 |
| Credit loss provision to net charge-offs | 158.8235% | 1,914 |
| Earnings coverage of net charge-offs (x) | 5.5686% | 2,583 |
| Efficiency ratio | 63.1568% | 5,375 |
| Assets per employee ($millions) | 2.8167% | 6,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 5,206 |
| Loan loss allowance to noncurrent loans | 238.0420% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 5,416 |
| Noncurrent loans to loans | 0.5330% | 5,846 |
| Net loans and leases to total assets | 72.3350% | 1,724 |
| Net loans and leases to deposits | 87.6265% | 1,549 |
| Net loans and leases to core deposits | 88.2454% | 2,612 |
| Total domestic deposits to total assets | 82.5493% | 4,968 |
| Equity capital to assets | 11.5295% | 2,479 |
| Core capital (leverage) ratio | 9.2103% | 4,388 |
| Tier 1 risk-based capital ratio | 11.6659% | 6,036 |
| Total risk-based capital ratio | 12.7536% | 6,150 |
| Memoranda: | ||
| Average total assets | $179,719,670 | 3,375 |
| Average earning assets | $160,225,670 | 3,438 |
| Average equity | $20,567,670 | 3,054 |
| Average total loans | $131,194,330 | 3,018 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5259% | 1,232 |
| Cost of funding earning assets | 0.8697% | 5,139 |
| Net interest margin | 4.6562% | 773 |
| Noninterest income to average assets | 0.8605% | 1,811 |
| Noninterest expense to average assets | 3.3139% | 2,517 |
| Loan and lease loss provision to assets | 0.4898% | 1,794 |
| Net operating income to assets | 0.8156% | 2,950 |
| Return on assets (ROA) | 0.8156% | 3,009 |
| Pretax return on assets | 1.2065% | 2,351 |
| Return on Equity (ROE) | 7.1538% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.1538% | 2,082 |
| Net charge-offs to loans | 0.2837% | 2,932 |
| Credit loss provision to net charge-offs | 236.9565% | 1,302 |
| Earnings coverage of net charge-offs (x) | 8.2065% | 1,846 |
| Efficiency ratio | 66.1435% | 5,011 |
| Assets per employee ($millions) | 2.7858% | 6,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 5,336 |
| Loan loss allowance to noncurrent loans | 218.4350% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 5,410 |
| Noncurrent loans to loans | 0.5772% | 5,871 |
| Net loans and leases to total assets | 72.3465% | 1,645 |
| Net loans and leases to deposits | 88.6967% | 1,387 |
| Net loans and leases to core deposits | 89.1565% | 2,464 |
| Total domestic deposits to total assets | 81.5662% | 5,469 |
| Equity capital to assets | 11.5002% | 2,271 |
| Core capital (leverage) ratio | 9.1899% | 4,306 |
| Tier 1 risk-based capital ratio | 11.6682% | 5,965 |
| Total risk-based capital ratio | 12.8735% | 5,990 |
| Memoranda: | ||
| Average total assets | $178,036,000 | 3,412 |
| Average earning assets | $158,670,000 | 3,494 |
| Average equity | $20,297,000 | 3,071 |
| Average total loans | $129,722,500 | 3,070 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7702% | 1,356 |
| Cost of funding earning assets | 1.1857% | 4,645 |
| Net interest margin | 4.5846% | 1,036 |
| Noninterest income to average assets | 1.1463% | 1,126 |
| Noninterest expense to average assets | 3.2678% | 2,838 |
| Loan and lease loss provision to assets | 0.5448% | 2,964 |
| Net operating income to assets | 0.9113% | 2,339 |
| Return on assets (ROA) | 0.9354% | 2,388 |
| Pretax return on assets | 1.4566% | 1,491 |
| Return on Equity (ROE) | 8.6490% | 2,446 |
| Retained earnings to average equity (ytd only) | 8.6490% | 800 |
| Net charge-offs to loans | 0.4848% | 3,680 |
| Credit loss provision to net charge-offs | 157.1197% | 2,244 |
| Earnings coverage of net charge-offs (x) | 5.6634% | 2,570 |
| Efficiency ratio | 62.4625% | 5,640 |
| Assets per employee ($millions) | 2.8219% | 6,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 5,604 |
| Loan loss allowance to noncurrent loans | 106.0669% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 1.0468% | 4,909 |
| Noncurrent loans to loans | 1.1133% | 4,879 |
| Net loans and leases to total assets | 71.5992% | 2,176 |
| Net loans and leases to deposits | 87.6000% | 1,847 |
| Net loans and leases to core deposits | 88.0545% | 3,042 |
| Total domestic deposits to total assets | 81.7342% | 5,272 |
| Equity capital to assets | 11.3005% | 2,408 |
| Core capital (leverage) ratio | 9.0022% | 4,553 |
| Tier 1 risk-based capital ratio | 11.7123% | 5,718 |
| Total risk-based capital ratio | 12.8558% | 5,827 |
| Memoranda: | ||
| Average total assets | $178,222,000 | 3,409 |
| Average earning assets | $158,815,200 | 3,469 |
| Average equity | $19,273,800 | 3,245 |
| Average total loans | $127,484,600 | 3,168 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8126% | 1,354 |
| Cost of funding earning assets | 1.2620% | 4,484 |
| Net interest margin | 4.5506% | 1,151 |
| Noninterest income to average assets | 1.0699% | 1,251 |
| Noninterest expense to average assets | 3.1723% | 3,020 |
| Loan and lease loss provision to assets | 0.5630% | 2,690 |
| Net operating income to assets | 0.8801% | 2,698 |
| Return on assets (ROA) | 0.9121% | 2,712 |
| Pretax return on assets | 1.4392% | 1,773 |
| Return on Equity (ROE) | 8.5299% | 2,676 |
| Retained earnings to average equity (ytd only) | 8.5299% | 1,230 |
| Net charge-offs to loans | 0.2527% | 4,428 |
| Credit loss provision to net charge-offs | 312.4481% | 1,012 |
| Earnings coverage of net charge-offs (x) | 10.8339% | 1,846 |
| Efficiency ratio | 61.9055% | 5,636 |
| Assets per employee ($millions) | 2.5379% | 7,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 5,013 |
| Loan loss allowance to noncurrent loans | 162.5725% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.9856% | 5,111 |
| Noncurrent loans to loans | 0.7947% | 5,624 |
| Net loans and leases to total assets | 72.2918% | 2,193 |
| Net loans and leases to deposits | 85.9610% | 2,354 |
| Net loans and leases to core deposits | 86.6278% | 3,569 |
| Total domestic deposits to total assets | 84.0984% | 4,064 |
| Equity capital to assets | 11.1632% | 2,806 |
| Core capital (leverage) ratio | 8.7663% | 5,076 |
| Tier 1 risk-based capital ratio | 11.2303% | 6,160 |
| Total risk-based capital ratio | 12.4777% | 6,162 |
| Memoranda: | ||
| Average total assets | $178,332,500 | 3,444 |
| Average earning assets | $158,891,000 | 3,518 |
| Average equity | $19,069,750 | 3,308 |
| Average total loans | $127,153,250 | 3,226 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7718% | 1,506 |
| Cost of funding earning assets | 1.3477% | 4,201 |
| Net interest margin | 4.4241% | 1,383 |
| Noninterest income to average assets | 0.9241% | 1,606 |
| Noninterest expense to average assets | 3.1329% | 3,175 |
| Loan and lease loss provision to assets | 0.6272% | 2,289 |
| Net operating income to assets | 0.7125% | 3,349 |
| Return on assets (ROA) | 0.7605% | 3,301 |
| Pretax return on assets | 1.1806% | 2,478 |
| Return on Equity (ROE) | 7.2174% | 3,209 |
| Retained earnings to average equity (ytd only) | 7.2174% | 1,748 |
| Net charge-offs to loans | 0.3836% | 3,443 |
| Credit loss provision to net charge-offs | 231.4050% | 1,669 |
| Earnings coverage of net charge-offs (x) | 6.3926% | 2,464 |
| Efficiency ratio | 64.3877% | 5,261 |
| Assets per employee ($millions) | 2.5594% | 7,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 5,668 |
| Loan loss allowance to noncurrent loans | 91.3952% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 1.4507% | 4,284 |
| Noncurrent loans to loans | 1.2629% | 4,854 |
| Net loans and leases to total assets | 71.0752% | 2,631 |
| Net loans and leases to deposits | 84.0816% | 2,856 |
| Net loans and leases to core deposits | 84.7249% | 4,034 |
| Total domestic deposits to total assets | 84.5312% | 3,852 |
| Equity capital to assets | 10.7423% | 3,135 |
| Core capital (leverage) ratio | 8.3772% | 5,615 |
| Tier 1 risk-based capital ratio | 10.9148% | 6,323 |
| Total risk-based capital ratio | 12.0270% | 6,452 |
| Memoranda: | ||
| Average total assets | $178,558,330 | 3,460 |
| Average earning assets | $159,082,670 | 3,533 |
| Average equity | $18,815,670 | 3,325 |
| Average total loans | $126,167,330 | 3,274 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6884% | 1,817 |
| Cost of funding earning assets | 1.3679% | 4,368 |
| Net interest margin | 4.3205% | 1,628 |
| Noninterest income to average assets | 0.8908% | 1,662 |
| Noninterest expense to average assets | 3.2537% | 2,690 |
| Loan and lease loss provision to assets | 0.9380% | 1,344 |
| Net operating income to assets | 0.3735% | 4,960 |
| Return on assets (ROA) | 0.4757% | 4,639 |
| Pretax return on assets | 0.6979% | 4,242 |
| Return on Equity (ROE) | 4.5590% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.5590% | 3,416 |
| Net charge-offs to loans | 0.6569% | 2,180 |
| Credit loss provision to net charge-offs | 203.9024% | 1,825 |
| Earnings coverage of net charge-offs (x) | 3.2293% | 2,975 |
| Efficiency ratio | 68.6553% | 4,588 |
| Assets per employee ($millions) | 2.6084% | 7,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 6,043 |
| Loan loss allowance to noncurrent loans | 286.1284% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 5,474 |
| Noncurrent loans to loans | 0.3818% | 6,518 |
| Net loans and leases to total assets | 70.5465% | 2,791 |
| Net loans and leases to deposits | 84.1724% | 2,912 |
| Net loans and leases to core deposits | 84.8286% | 4,081 |
| Total domestic deposits to total assets | 83.8119% | 4,241 |
| Equity capital to assets | 10.5457% | 3,200 |
| Core capital (leverage) ratio | 8.1869% | 5,930 |
| Tier 1 risk-based capital ratio | 10.7849% | 6,359 |
| Total risk-based capital ratio | 11.8400% | 6,544 |
| Memoranda: | ||
| Average total assets | $178,257,000 | 3,519 |
| Average earning assets | $158,779,000 | 3,592 |
| Average equity | $18,600,500 | 3,377 |
| Average total loans | $124,838,000 | 3,368 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1781% | 1,296 |
| Cost of funding earning assets | 1.9082% | 3,423 |
| Net interest margin | 4.2699% | 1,818 |
| Noninterest income to average assets | 1.0573% | 1,381 |
| Noninterest expense to average assets | 3.3299% | 2,910 |
| Loan and lease loss provision to assets | 0.2325% | 5,514 |
| Net operating income to assets | 0.8215% | 2,443 |
| Return on assets (ROA) | 0.8586% | 2,389 |
| Pretax return on assets | 1.3853% | 1,469 |
| Return on Equity (ROE) | 8.1170% | 2,322 |
| Retained earnings to average equity (ytd only) | 7.6714% | 784 |
| Net charge-offs to loans | 0.4505% | 3,984 |
| Credit loss provision to net charge-offs | 73.1463% | 6,428 |
| Earnings coverage of net charge-offs (x) | 4.9078% | 2,761 |
| Efficiency ratio | 68.0995% | 4,985 |
| Assets per employee ($millions) | 2.8894% | 6,472 |
| Cash dividends to net income (ytd only)* | 5.4896% | 3,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 6,637 |
| Loan loss allowance to noncurrent loans | 93.6699% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 1.1125% | 4,866 |
| Noncurrent loans to loans | 1.0133% | 5,289 |
| Net loans and leases to total assets | 68.0998% | 3,684 |
| Net loans and leases to deposits | 81.7213% | 3,661 |
| Net loans and leases to core deposits | 81.9409% | 5,911 |
| Total domestic deposits to total assets | 83.3318% | 4,372 |
| Equity capital to assets | 10.3247% | 3,377 |
| Core capital (leverage) ratio | 7.9818% | 6,224 |
| Tier 1 risk-based capital ratio | 10.8267% | 6,087 |
| Total risk-based capital ratio | 11.7364% | 6,383 |
| Memoranda: | ||
| Average total assets | $157,001,800 | 3,834 |
| Average earning assets | $140,917,000 | 3,881 |
| Average equity | $16,607,200 | 3,756 |
| Average total loans | $110,776,400 | 3,675 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2335% | 1,286 |
| Cost of funding earning assets | 2.0044% | 3,336 |
| Net interest margin | 4.2291% | 1,946 |
| Noninterest income to average assets | 1.0845% | 1,353 |
| Noninterest expense to average assets | 3.3591% | 2,693 |
| Loan and lease loss provision to assets | 0.2421% | 5,024 |
| Net operating income to assets | 0.8081% | 2,779 |
| Return on assets (ROA) | 0.8081% | 2,844 |
| Pretax return on assets | 1.2869% | 1,983 |
| Return on Equity (ROE) | 7.5858% | 2,823 |
| Retained earnings to average equity (ytd only) | 6.9743% | 1,517 |
| Net charge-offs to loans | 0.3331% | 3,969 |
| Credit loss provision to net charge-offs | 102.2305% | 4,980 |
| Earnings coverage of net charge-offs (x) | 6.4572% | 2,604 |
| Efficiency ratio | 68.7196% | 4,839 |
| Assets per employee ($millions) | 2.8315% | 6,583 |
| Cash dividends to net income (ytd only)* | 8.0607% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 5,803 |
| Loan loss allowance to noncurrent loans | 108.0033% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.9038% | 5,267 |
| Noncurrent loans to loans | 1.0071% | 5,293 |
| Net loans and leases to total assets | 68.9224% | 3,733 |
| Net loans and leases to deposits | 82.6004% | 3,908 |
| Net loans and leases to core deposits | 83.1194% | 6,111 |
| Total domestic deposits to total assets | 83.4407% | 3,998 |
| Equity capital to assets | 10.5414% | 3,464 |
| Core capital (leverage) ratio | 8.0413% | 6,290 |
| Tier 1 risk-based capital ratio | 10.9037% | 6,049 |
| Total risk-based capital ratio | 11.9624% | 6,206 |
| Memoranda: | ||
| Average total assets | $151,466,500 | 3,953 |
| Average earning assets | $136,228,250 | 4,002 |
| Average equity | $16,135,000 | 3,881 |
| Average total loans | $107,679,250 | 3,780 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2524% | 1,326 |
| Cost of funding earning assets | 2.0677% | 3,435 |
| Net interest margin | 4.1847% | 2,045 |
| Noninterest income to average assets | 1.1303% | 1,231 |
| Noninterest expense to average assets | 3.1943% | 3,348 |
| Loan and lease loss provision to assets | 0.2355% | 4,708 |
| Net operating income to assets | 0.9115% | 2,413 |
| Return on assets (ROA) | 0.9115% | 2,510 |
| Pretax return on assets | 1.4683% | 1,536 |
| Return on Equity (ROE) | 8.5209% | 2,561 |
| Retained earnings to average equity (ytd only) | 7.5626% | 1,371 |
| Net charge-offs to loans | 0.3905% | 3,245 |
| Credit loss provision to net charge-offs | 84.1584% | 5,087 |
| Earnings coverage of net charge-offs (x) | 6.0891% | 2,688 |
| Efficiency ratio | 65.2149% | 5,670 |
| Assets per employee ($millions) | 2.6034% | 7,047 |
| Cash dividends to net income (ytd only)* | 11.2462% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 6,923 |
| Loan loss allowance to noncurrent loans | 224.7500% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 6,221 |
| Noncurrent loans to loans | 0.3846% | 6,547 |
| Net loans and leases to total assets | 69.4720% | 3,826 |
| Net loans and leases to deposits | 83.2335% | 4,011 |
| Net loans and leases to core deposits | 88.9177% | 5,641 |
| Total domestic deposits to total assets | 83.4664% | 4,029 |
| Equity capital to assets | 10.5859% | 3,308 |
| Core capital (leverage) ratio | 8.6800% | 5,127 |
| Tier 1 risk-based capital ratio | 12.2158% | 4,740 |
| Total risk-based capital ratio | 13.0878% | 4,977 |
| Memoranda: | ||
| Average total assets | $144,382,330 | 4,097 |
| Average earning assets | $129,998,330 | 4,132 |
| Average equity | $15,444,330 | 4,027 |
| Average total loans | $103,455,330 | 3,926 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3087% | 1,274 |
| Cost of funding earning assets | 2.1697% | 3,321 |
| Net interest margin | 4.1390% | 2,130 |
| Noninterest income to average assets | 0.8990% | 1,856 |
| Noninterest expense to average assets | 3.0061% | 3,746 |
| Loan and lease loss provision to assets | 0.1686% | 4,782 |
| Net operating income to assets | 0.8878% | 2,748 |
| Return on assets (ROA) | 0.8878% | 2,900 |
| Pretax return on assets | 1.4384% | 1,852 |
| Return on Equity (ROE) | 8.2550% | 3,038 |
| Retained earnings to average equity (ytd only) | 6.3218% | 2,485 |
| Net charge-offs to loans | 0.3954% | 2,513 |
| Credit loss provision to net charge-offs | 58.8235% | 4,540 |
| Earnings coverage of net charge-offs (x) | 5.6078% | 2,643 |
| Efficiency ratio | 65.1644% | 5,476 |
| Assets per employee ($millions) | 2.6154% | 7,059 |
| Cash dividends to net income (ytd only)* | 23.4177% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 6,855 |
| Loan loss allowance to noncurrent loans | 331.3433% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 6,272 |
| Noncurrent loans to loans | 0.2638% | 6,779 |
| Net loans and leases to total assets | 70.0017% | 3,667 |
| Net loans and leases to deposits | 84.4638% | 3,905 |
| Net loans and leases to core deposits | 90.2156% | 5,532 |
| Total domestic deposits to total assets | 82.8778% | 4,205 |
| Equity capital to assets | 10.7245% | 3,269 |
| Core capital (leverage) ratio | 8.7225% | 5,116 |
| Tier 1 risk-based capital ratio | 12.3248% | 4,684 |
| Total risk-based capital ratio | 13.2182% | 4,884 |
| Memoranda: | ||
| Average total assets | $142,376,000 | 4,141 |
| Average earning assets | $127,760,000 | 4,198 |
| Average equity | $15,312,000 | 4,082 |
| Average total loans | $103,187,000 | 3,956 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7556% | 1,844 |
| Cost of funding earning assets | 2.7297% | 3,022 |
| Net interest margin | 4.0259% | 2,999 |
| Noninterest income to average assets | 0.9042% | 1,942 |
| Noninterest expense to average assets | 3.1178% | 3,633 |
| Loan and lease loss provision to assets | 0.1175% | 5,867 |
| Net operating income to assets | 0.7896% | 3,482 |
| Return on assets (ROA) | 0.7896% | 3,321 |
| Pretax return on assets | 1.2812% | 2,377 |
| Return on Equity (ROE) | 7.5585% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.5585% | 969 |
| Net charge-offs to loans | 0.1367% | 4,855 |
| Credit loss provision to net charge-offs | 120.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | 14.2889% | 2,047 |
| Efficiency ratio | 69.0319% | 4,526 |
| Assets per employee ($millions) | 2.9355% | 6,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 6,753 |
| Loan loss allowance to noncurrent loans | 148.9567% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 5,212 |
| Noncurrent loans to loans | 0.5945% | 5,590 |
| Net loans and leases to total assets | 73.7112% | 3,180 |
| Net loans and leases to deposits | 91.8799% | 3,164 |
| Net loans and leases to core deposits | 98.5539% | 4,981 |
| Total domestic deposits to total assets | 80.2255% | 4,933 |
| Equity capital to assets | 10.7854% | 3,218 |
| Core capital (leverage) ratio | 8.7345% | 5,141 |
| Tier 1 risk-based capital ratio | 11.8873% | 4,910 |
| Total risk-based capital ratio | 12.8060% | 5,081 |
| Memoranda: | ||
| Average total assets | $137,916,600 | 4,122 |
| Average earning assets | $123,748,800 | 4,180 |
| Average equity | $14,407,600 | 4,251 |
| Average total loans | $98,727,800 | 3,980 |