Home > Hoosier Heartland State Bank > Performance and Condition Ratios
Hoosier Heartland State 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 | 5.1423% | 1,767 |
| Cost of funding earning assets | 1.6937% | 1,464 |
| Net interest margin | 3.4486% | 2,300 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 3.2181% | 816 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.6033% | 3,436 |
| Return on assets (ROA) | 0.5593% | 3,531 |
| Pretax return on assets | 0.5596% | 3,705 |
| Return on Equity (ROE) | 10.1700% | 2,449 |
| Retained earnings to average equity (ytd only) | 2.4568% | 3,458 |
| Net charge-offs to loans | 0.0824% | 1,039 |
| Credit loss provision to net charge-offs | 210.8434% | 1,186 |
| Earnings coverage of net charge-offs (x) | 13.4337% | 2,107 |
| Efficiency ratio | 81.8004% | 788 |
| Assets per employee ($millions) | 5.1914% | 3,481 |
| Cash dividends to net income (ytd only)* | 75.8324% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 2,198 |
| Loan loss allowance to noncurrent loans | 314.1330% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 1,925 |
| Noncurrent loans to loans | 0.3875% | 1,822 |
| Net loans and leases to total assets | 65.6300% | 2,293 |
| Net loans and leases to deposits | 72.7893% | 2,710 |
| Net loans and leases to core deposits | 75.0834% | 3,024 |
| Total domestic deposits to total assets | 90.1600% | 720 |
| Equity capital to assets | 5.8274% | 4,266 |
| Core capital (leverage) ratio | 8.6142% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $311,460,600 | 2,364 |
| Average earning assets | $285,707,200 | 2,376 |
| Average equity | $17,136,200 | 3,080 |
| Average total loans | $201,535,800 | 2,276 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0727% | 1,685 |
| Cost of funding earning assets | 1.5337% | 1,525 |
| Net interest margin | 3.5390% | 2,131 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 3.1837% | 840 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.7643% | 3,122 |
| Return on assets (ROA) | 0.6975% | 3,313 |
| Pretax return on assets | 0.6984% | 3,558 |
| Return on Equity (ROE) | 12.8800% | 1,922 |
| Retained earnings to average equity (ytd only) | 6.5162% | 2,457 |
| Net charge-offs to loans | 0.0715% | 973 |
| Credit loss provision to net charge-offs | 212.2642% | 1,081 |
| Earnings coverage of net charge-offs (x) | 18.7736% | 1,852 |
| Efficiency ratio | 78.6801% | 957 |
| Assets per employee ($millions) | 4.6968% | 3,816 |
| Cash dividends to net income (ytd only)* | 49.4096% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,144 |
| Loan loss allowance to noncurrent loans | 420.1954% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 2,265 |
| Noncurrent loans to loans | 0.2960% | 2,180 |
| Net loans and leases to total assets | 67.1000% | 2,154 |
| Net loans and leases to deposits | 74.3289% | 2,535 |
| Net loans and leases to core deposits | 77.0615% | 2,797 |
| Total domestic deposits to total assets | 90.2800% | 867 |
| Equity capital to assets | 5.2167% | 4,210 |
| Core capital (leverage) ratio | 9.0060% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $307,560,750 | 2,399 |
| Average earning assets | $280,711,000 | 2,410 |
| Average equity | $16,655,500 | 3,104 |
| Average total loans | $197,596,750 | 2,306 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9211% | 1,711 |
| Cost of funding earning assets | 1.3568% | 1,565 |
| Net interest margin | 3.5642% | 2,119 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 3.2175% | 773 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.7849% | 3,127 |
| Return on assets (ROA) | 0.7920% | 3,113 |
| Pretax return on assets | 0.7933% | 3,413 |
| Return on Equity (ROE) | 14.4500% | 1,591 |
| Retained earnings to average equity (ytd only) | 7.2668% | 2,203 |
| Net charge-offs to loans | 0.0782% | 799 |
| Credit loss provision to net charge-offs | 197.3684% | 1,056 |
| Earnings coverage of net charge-offs (x) | 17.9211% | 1,780 |
| Efficiency ratio | 78.4562% | 966 |
| Assets per employee ($millions) | 4.8686% | 3,698 |
| Cash dividends to net income (ytd only)* | 49.7133% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,043 |
| Loan loss allowance to noncurrent loans | 618.2927% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 2,643 |
| Noncurrent loans to loans | 0.2061% | 2,437 |
| Net loans and leases to total assets | 62.0600% | 2,570 |
| Net loans and leases to deposits | 69.1580% | 2,844 |
| Net loans and leases to core deposits | 72.0795% | 3,011 |
| Total domestic deposits to total assets | 89.7400% | 1,001 |
| Equity capital to assets | 5.5193% | 4,289 |
| Core capital (leverage) ratio | 8.9615% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $308,317,667 | 2,389 |
| Average earning assets | $281,240,667 | 2,413 |
| Average equity | $16,898,667 | 3,110 |
| Average total loans | $194,317,333 | 2,322 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 1,573 |
| Cost of funding earning assets | 1.0837% | 1,794 |
| Net interest margin | 3.7399% | 1,810 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 3.2592% | 735 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.8362% | 3,068 |
| Return on assets (ROA) | 0.8493% | 2,977 |
| Pretax return on assets | 0.8519% | 3,341 |
| Return on Equity (ROE) | 15.5500% | 1,453 |
| Retained earnings to average equity (ytd only) | 13.1447% | 1,066 |
| Net charge-offs to loans | 0.0083% | 1,632 |
| Credit loss provision to net charge-offs | 1,875.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 178.2500% | 541 |
| Efficiency ratio | 77.6629% | 1,029 |
| Assets per employee ($millions) | 4.6976% | 3,890 |
| Cash dividends to net income (ytd only)* | 15.4799% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 1,940 |
| Loan loss allowance to noncurrent loans | 217.9002% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 1,357 |
| Noncurrent loans to loans | 0.6066% | 1,229 |
| Net loans and leases to total assets | 61.9000% | 2,473 |
| Net loans and leases to deposits | 67.2865% | 2,830 |
| Net loans and leases to core deposits | 69.1307% | 3,013 |
| Total domestic deposits to total assets | 92.0000% | 514 |
| Equity capital to assets | 5.7528% | 4,274 |
| Core capital (leverage) ratio | 9.2005% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $304,248,500 | 2,444 |
| Average earning assets | $278,295,000 | 2,458 |
| Average equity | $16,615,000 | 3,165 |
| Average total loans | $192,004,500 | 2,363 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 1,418 |
| Cost of funding earning assets | 0.3377% | 2,569 |
| Net interest margin | 3.7879% | 1,184 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 3.3835% | 558 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.7431% | 3,500 |
| Return on assets (ROA) | 0.7413% | 3,447 |
| Pretax return on assets | 0.7413% | 3,764 |
| Return on Equity (ROE) | 12.2400% | 2,061 |
| Retained earnings to average equity (ytd only) | 7.4999% | 2,026 |
| Net charge-offs to loans | 0.0736% | 910 |
| Credit loss provision to net charge-offs | 320.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 20.0880% | 1,893 |
| Efficiency ratio | 78.9903% | 790 |
| Assets per employee ($millions) | 4.6639% | 3,928 |
| Cash dividends to net income (ytd only)* | 38.7464% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 1,997 |
| Loan loss allowance to noncurrent loans | 752.5994% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 2,772 |
| Noncurrent loans to loans | 0.1699% | 2,635 |
| Net loans and leases to total assets | 62.6700% | 2,364 |
| Net loans and leases to deposits | 68.1965% | 2,716 |
| Net loans and leases to core deposits | 69.1785% | 2,931 |
| Total domestic deposits to total assets | 91.9000% | 667 |
| Equity capital to assets | 5.1670% | 4,321 |
| Core capital (leverage) ratio | 8.9035% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $284,080,400 | 2,534 |
| Average earning assets | $262,071,200 | 2,537 |
| Average equity | $17,200,200 | 3,191 |
| Average total loans | $169,805,800 | 2,457 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8992% | 1,484 |
| Cost of funding earning assets | 0.1981% | 3,301 |
| Net interest margin | 3.7010% | 1,132 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 3.3601% | 547 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.7303% | 3,478 |
| Return on assets (ROA) | 0.7265% | 3,440 |
| Pretax return on assets | 0.7265% | 3,749 |
| Return on Equity (ROE) | 11.5400% | 2,193 |
| Retained earnings to average equity (ytd only) | 8.2496% | 1,911 |
| Net charge-offs to loans | 0.0658% | 833 |
| Credit loss provision to net charge-offs | 277.7778% | 848 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,682 |
| Efficiency ratio | 79.7362% | 788 |
| Assets per employee ($millions) | 4.4913% | 4,062 |
| Cash dividends to net income (ytd only)* | 28.5151% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 2,098 |
| Loan loss allowance to noncurrent loans | 792.5170% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 2,945 |
| Noncurrent loans to loans | 0.1624% | 2,792 |
| Net loans and leases to total assets | 61.2300% | 2,382 |
| Net loans and leases to deposits | 66.0939% | 2,712 |
| Net loans and leases to core deposits | 66.6362% | 2,906 |
| Total domestic deposits to total assets | 92.6400% | 674 |
| Equity capital to assets | 5.0628% | 4,277 |
| Core capital (leverage) ratio | 9.2718% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $279,312,500 | 2,574 |
| Average earning assets | $257,758,250 | 2,585 |
| Average equity | $17,584,250 | 3,189 |
| Average total loans | $164,143,500 | 2,504 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7018% | 1,535 |
| Cost of funding earning assets | 0.1363% | 3,755 |
| Net interest margin | 3.5655% | 1,145 |
| Noninterest income to average assets | 0.7953% | 1,057 |
| Noninterest expense to average assets | 3.3304% | 528 |
| Loan and lease loss provision to assets | 0.1090% | 913 |
| Net operating income to assets | 0.6456% | 3,489 |
| Return on assets (ROA) | 0.6368% | 3,470 |
| Pretax return on assets | 0.6368% | 3,737 |
| Return on Equity (ROE) | 9.4606% | 2,536 |
| Retained earnings to average equity (ytd only) | 7.7650% | 1,706 |
| Net charge-offs to loans | 0.0694% | 746 |
| Credit loss provision to net charge-offs | 272.7273% | 833 |
| Earnings coverage of net charge-offs (x) | 18.8727% | 1,572 |
| Efficiency ratio | 81.2066% | 858 |
| Assets per employee ($millions) | 4.3170% | 4,196 |
| Cash dividends to net income (ytd only)* | 17.9224% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 1,884 |
| Loan loss allowance to noncurrent loans | 621.5259% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 2,779 |
| Noncurrent loans to loans | 0.2204% | 2,619 |
| Net loans and leases to total assets | 59.4326% | 2,390 |
| Net loans and leases to deposits | 63.8866% | 2,735 |
| Net loans and leases to core deposits | 64.5770% | 2,922 |
| Total domestic deposits to total assets | 93.0284% | 507 |
| Equity capital to assets | 6.0056% | 4,198 |
| Core capital (leverage) ratio | 9.2332% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,106,000 | 2,614 |
| Average earning assets | $253,820,333 | 2,644 |
| Average equity | $18,519,000 | 3,186 |
| Average total loans | $158,497,000 | 2,565 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5417% | 1,667 |
| Cost of funding earning assets | 0.1358% | 3,690 |
| Net interest margin | 3.4059% | 1,285 |
| Noninterest income to average assets | 0.7417% | 1,187 |
| Noninterest expense to average assets | 3.2800% | 549 |
| Loan and lease loss provision to assets | 0.1093% | 761 |
| Net operating income to assets | 0.4954% | 3,727 |
| Return on assets (ROA) | 0.4925% | 3,700 |
| Pretax return on assets | 0.4925% | 3,879 |
| Return on Equity (ROE) | 6.9397% | 3,054 |
| Retained earnings to average equity (ytd only) | 6.9397% | 1,908 |
| Net charge-offs to loans | 0.0466% | 828 |
| Credit loss provision to net charge-offs | 416.6667% | 574 |
| Earnings coverage of net charge-offs (x) | 23.0556% | 1,232 |
| Efficiency ratio | 84.0960% | 841 |
| Assets per employee ($millions) | 4.4686% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 1,722 |
| Loan loss allowance to noncurrent loans | 923.0453% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 3,198 |
| Noncurrent loans to loans | 0.1569% | 3,019 |
| Net loans and leases to total assets | 55.0950% | 2,624 |
| Net loans and leases to deposits | 59.3741% | 2,962 |
| Net loans and leases to core deposits | 59.9430% | 3,152 |
| Total domestic deposits to total assets | 92.7931% | 325 |
| Equity capital to assets | 6.2143% | 4,527 |
| Core capital (leverage) ratio | 7.5273% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7006% | 2,952 |
| Memoranda: | ||
| Average total assets | $274,513,500 | 2,634 |
| Average earning assets | $253,324,000 | 2,664 |
| Average equity | $19,482,000 | 3,189 |
| Average total loans | $154,501,500 | 2,592 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 1,616 |
| Cost of funding earning assets | 0.1679% | 3,796 |
| Net interest margin | 3.7315% | 1,141 |
| Noninterest income to average assets | 0.9681% | 1,060 |
| Noninterest expense to average assets | 3.4551% | 514 |
| Loan and lease loss provision to assets | 0.1155% | 1,089 |
| Net operating income to assets | 0.8160% | 3,282 |
| Return on assets (ROA) | 0.8946% | 3,120 |
| Pretax return on assets | 0.8984% | 3,516 |
| Return on Equity (ROE) | 10.7109% | 2,273 |
| Retained earnings to average equity (ytd only) | 6.1988% | 2,272 |
| Net charge-offs to loans | 0.0421% | 1,431 |
| Credit loss provision to net charge-offs | 476.1905% | 823 |
| Earnings coverage of net charge-offs (x) | 38.5714% | 1,460 |
| Efficiency ratio | 78.3798% | 917 |
| Assets per employee ($millions) | 4.3867% | 4,203 |
| Cash dividends to net income (ytd only)* | 42.1256% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 1,848 |
| Loan loss allowance to noncurrent loans | 806.6421% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 3,243 |
| Noncurrent loans to loans | 0.1758% | 3,068 |
| Net loans and leases to total assets | 55.8625% | 2,635 |
| Net loans and leases to deposits | 61.3816% | 2,945 |
| Net loans and leases to core deposits | 61.9939% | 3,164 |
| Total domestic deposits to total assets | 91.0087% | 489 |
| Equity capital to assets | 7.9960% | 4,363 |
| Core capital (leverage) ratio | 7.2646% | 4,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7654% | 2,939 |
| Memoranda: | ||
| Average total assets | $259,789,200 | 2,662 |
| Average earning assets | $238,271,400 | 2,688 |
| Average equity | $21,697,600 | 3,082 |
| Average total loans | $149,693,400 | 2,636 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9866% | 1,568 |
| Cost of funding earning assets | 0.1764% | 3,855 |
| Net interest margin | 3.8102% | 1,093 |
| Noninterest income to average assets | 0.9737% | 1,115 |
| Noninterest expense to average assets | 3.3018% | 598 |
| Loan and lease loss provision to assets | 0.1168% | 1,022 |
| Net operating income to assets | 1.0381% | 2,773 |
| Return on assets (ROA) | 1.1363% | 2,479 |
| Pretax return on assets | 1.1414% | 3,100 |
| Return on Equity (ROE) | 13.4527% | 1,557 |
| Retained earnings to average equity (ytd only) | 9.4255% | 1,526 |
| Net charge-offs to loans | 0.0206% | 1,637 |
| Credit loss provision to net charge-offs | 978.2609% | 520 |
| Earnings coverage of net charge-offs (x) | 97.1304% | 884 |
| Efficiency ratio | 73.6848% | 1,241 |
| Assets per employee ($millions) | 4.3276% | 4,246 |
| Cash dividends to net income (ytd only)* | 29.9360% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 1,967 |
| Loan loss allowance to noncurrent loans | 927.1552% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 3,522 |
| Noncurrent loans to loans | 0.1526% | 3,358 |
| Net loans and leases to total assets | 55.8723% | 2,741 |
| Net loans and leases to deposits | 61.6608% | 3,076 |
| Net loans and leases to core deposits | 62.2851% | 3,286 |
| Total domestic deposits to total assets | 90.6124% | 501 |
| Equity capital to assets | 8.3989% | 4,273 |
| Core capital (leverage) ratio | 7.7173% | 4,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1824% | 2,928 |
| Memoranda: | ||
| Average total assets | $256,743,250 | 2,701 |
| Average earning assets | $235,048,750 | 2,735 |
| Average equity | $21,685,250 | 3,121 |
| Average total loans | $148,587,500 | 2,686 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 2,258 |
| Cost of funding earning assets | 0.1895% | 3,858 |
| Net interest margin | 3.5392% | 1,747 |
| Noninterest income to average assets | 0.9530% | 1,154 |
| Noninterest expense to average assets | 3.2750% | 640 |
| Loan and lease loss provision to assets | 0.1186% | 1,064 |
| Net operating income to assets | 0.7876% | 3,543 |
| Return on assets (ROA) | 0.9372% | 3,183 |
| Pretax return on assets | 0.9451% | 3,557 |
| Return on Equity (ROE) | 11.0737% | 2,399 |
| Retained earnings to average equity (ytd only) | 7.2703% | 2,330 |
| Net charge-offs to loans | 0.0258% | 1,431 |
| Credit loss provision to net charge-offs | 789.4737% | 543 |
| Earnings coverage of net charge-offs (x) | 60.7368% | 966 |
| Efficiency ratio | 77.8659% | 920 |
| Assets per employee ($millions) | 4.6716% | 3,953 |
| Cash dividends to net income (ytd only)* | 34.3460% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 2,106 |
| Loan loss allowance to noncurrent loans | 628.3988% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 3,421 |
| Noncurrent loans to loans | 0.2181% | 3,175 |
| Net loans and leases to total assets | 55.2350% | 2,991 |
| Net loans and leases to deposits | 60.6123% | 3,337 |
| Net loans and leases to core deposits | 61.2899% | 3,523 |
| Total domestic deposits to total assets | 91.1284% | 337 |
| Equity capital to assets | 7.9692% | 4,553 |
| Core capital (leverage) ratio | 7.3681% | 4,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5870% | 3,026 |
| Memoranda: | ||
| Average total assets | $252,887,667 | 2,723 |
| Average earning assets | $231,128,000 | 2,754 |
| Average equity | $21,402,000 | 3,137 |
| Average total loans | $147,429,333 | 2,712 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7744% | 2,173 |
| Cost of funding earning assets | 0.2032% | 3,881 |
| Net interest margin | 3.5712% | 1,659 |
| Noninterest income to average assets | 1.1039% | 976 |
| Noninterest expense to average assets | 3.6563% | 387 |
| Loan and lease loss provision to assets | 0.1230% | 1,122 |
| Net operating income to assets | 0.5717% | 4,017 |
| Return on assets (ROA) | 0.8546% | 3,337 |
| Pretax return on assets | 0.8710% | 3,669 |
| Return on Equity (ROE) | 9.7811% | 2,762 |
| Retained earnings to average equity (ytd only) | 9.7811% | 1,719 |
| Net charge-offs to loans | 0.0220% | 1,295 |
| Credit loss provision to net charge-offs | 937.5000% | 430 |
| Earnings coverage of net charge-offs (x) | 53.7500% | 867 |
| Efficiency ratio | 83.4900% | 623 |
| Assets per employee ($millions) | 4.2768% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 2,053 |
| Loan loss allowance to noncurrent loans | 398.4190% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 3,154 |
| Noncurrent loans to loans | 0.3462% | 2,854 |
| Net loans and leases to total assets | 57.1202% | 2,895 |
| Net loans and leases to deposits | 62.9510% | 3,225 |
| Net loans and leases to core deposits | 63.6364% | 3,447 |
| Total domestic deposits to total assets | 90.7376% | 497 |
| Equity capital to assets | 8.2756% | 4,306 |
| Core capital (leverage) ratio | 8.0658% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0130% | 2,931 |
| Memoranda: | ||
| Average total assets | $243,854,000 | 2,767 |
| Average earning assets | $222,443,500 | 2,796 |
| Average equity | $21,306,500 | 3,130 |
| Average total loans | $145,273,000 | 2,740 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 2,114 |
| Cost of funding earning assets | 0.3655% | 3,788 |
| Net interest margin | 3.8429% | 1,382 |
| Noninterest income to average assets | 0.9172% | 1,224 |
| Noninterest expense to average assets | 3.6744% | 545 |
| Loan and lease loss provision to assets | 0.1132% | 2,932 |
| Net operating income to assets | 0.6183% | 3,683 |
| Return on assets (ROA) | 0.7302% | 3,457 |
| Pretax return on assets | 0.7320% | 3,812 |
| Return on Equity (ROE) | 7.7413% | 2,910 |
| Retained earnings to average equity (ytd only) | 3.6161% | 3,033 |
| Net charge-offs to loans | 0.0502% | 2,077 |
| Credit loss provision to net charge-offs | 378.7879% | 1,494 |
| Earnings coverage of net charge-offs (x) | 24.5303% | 1,772 |
| Efficiency ratio | 82.9925% | 692 |
| Assets per employee ($millions) | 3.7361% | 4,546 |
| Cash dividends to net income (ytd only)* | 53.2878% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 2,190 |
| Loan loss allowance to noncurrent loans | 407.7406% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 3,274 |
| Noncurrent loans to loans | 0.3310% | 3,023 |
| Net loans and leases to total assets | 60.5195% | 2,788 |
| Net loans and leases to deposits | 67.4187% | 3,141 |
| Net loans and leases to core deposits | 68.4026% | 3,384 |
| Total domestic deposits to total assets | 89.7666% | 652 |
| Equity capital to assets | 9.2324% | 3,854 |
| Core capital (leverage) ratio | 7.9423% | 4,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0346% | 2,912 |
| Memoranda: | ||
| Average total assets | $220,770,600 | 2,791 |
| Average earning assets | $200,526,600 | 2,820 |
| Average equity | $20,823,400 | 3,111 |
| Average total loans | $131,532,000 | 2,847 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 2,185 |
| Cost of funding earning assets | 0.4055% | 3,779 |
| Net interest margin | 3.8634% | 1,440 |
| Noninterest income to average assets | 0.8867% | 1,268 |
| Noninterest expense to average assets | 3.5513% | 660 |
| Loan and lease loss provision to assets | 0.0921% | 3,164 |
| Net operating income to assets | 0.7510% | 3,283 |
| Return on assets (ROA) | 0.8923% | 2,852 |
| Pretax return on assets | 0.8947% | 3,395 |
| Return on Equity (ROE) | 9.4059% | 2,243 |
| Retained earnings to average equity (ytd only) | 6.2533% | 1,994 |
| Net charge-offs to loans | 0.0623% | 1,713 |
| Credit loss provision to net charge-offs | 250.0000% | 1,922 |
| Earnings coverage of net charge-offs (x) | 22.9500% | 1,816 |
| Efficiency ratio | 80.3911% | 844 |
| Assets per employee ($millions) | 3.6109% | 4,605 |
| Cash dividends to net income (ytd only)* | 33.5169% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 2,026 |
| Loan loss allowance to noncurrent loans | 255.8621% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 2,874 |
| Noncurrent loans to loans | 0.5211% | 2,492 |
| Net loans and leases to total assets | 60.3405% | 3,190 |
| Net loans and leases to deposits | 67.3655% | 3,526 |
| Net loans and leases to core deposits | 68.4546% | 3,736 |
| Total domestic deposits to total assets | 89.5718% | 562 |
| Equity capital to assets | 9.5380% | 3,654 |
| Core capital (leverage) ratio | 8.5755% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8823% | 2,657 |
| Memoranda: | ||
| Average total assets | $217,119,000 | 2,801 |
| Average earning assets | $197,265,500 | 2,834 |
| Average equity | $20,596,500 | 3,129 |
| Average total loans | $128,315,500 | 2,887 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 1,227 |
| Cost of funding earning assets | 0.4592% | 3,747 |
| Net interest margin | 4.3154% | 727 |
| Noninterest income to average assets | 0.7973% | 1,446 |
| Noninterest expense to average assets | 3.7327% | 548 |
| Loan and lease loss provision to assets | 0.0936% | 3,103 |
| Net operating income to assets | 0.8890% | 2,735 |
| Return on assets (ROA) | 1.0696% | 2,198 |
| Pretax return on assets | 1.0733% | 2,797 |
| Return on Equity (ROE) | 11.2609% | 1,556 |
| Retained earnings to average equity (ytd only) | 9.2511% | 947 |
| Net charge-offs to loans | 0.0785% | 1,462 |
| Credit loss provision to net charge-offs | 204.0816% | 1,891 |
| Earnings coverage of net charge-offs (x) | 21.5102% | 1,653 |
| Efficiency ratio | 78.7428% | 984 |
| Assets per employee ($millions) | 3.5847% | 4,616 |
| Cash dividends to net income (ytd only)* | 17.8478% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 1,776 |
| Loan loss allowance to noncurrent loans | 245.5405% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 2,999 |
| Noncurrent loans to loans | 0.5503% | 2,519 |
| Net loans and leases to total assets | 58.7405% | 3,449 |
| Net loans and leases to deposits | 65.4886% | 3,763 |
| Net loans and leases to core deposits | 67.2935% | 3,905 |
| Total domestic deposits to total assets | 89.6958% | 495 |
| Equity capital to assets | 9.4554% | 3,698 |
| Core capital (leverage) ratio | 8.4051% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3548% | 2,460 |
| Memoranda: | ||
| Average total assets | $213,733,667 | 2,803 |
| Average earning assets | $194,236,000 | 2,836 |
| Average equity | $20,300,333 | 3,148 |
| Average total loans | $124,784,333 | 2,919 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 2,131 |
| Cost of funding earning assets | 0.5396% | 3,746 |
| Net interest margin | 4.0176% | 1,341 |
| Noninterest income to average assets | 0.6163% | 1,970 |
| Noninterest expense to average assets | 3.8925% | 562 |
| Loan and lease loss provision to assets | 0.0963% | 2,482 |
| Net operating income to assets | 0.2652% | 4,419 |
| Return on assets (ROA) | 0.4237% | 4,120 |
| Pretax return on assets | 0.4314% | 4,236 |
| Return on Equity (ROE) | 4.4504% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.4504% | 2,511 |
| Net charge-offs to loans | -0.0133% | 4,182 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9995% | 460 |
| Assets per employee ($millions) | 3.3663% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 1,292 |
| Loan loss allowance to noncurrent loans | 193.0998% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 2,690 |
| Noncurrent loans to loans | 0.7848% | 2,047 |
| Net loans and leases to total assets | 55.7424% | 3,859 |
| Net loans and leases to deposits | 62.9037% | 4,049 |
| Net loans and leases to core deposits | 64.7720% | 4,138 |
| Total domestic deposits to total assets | 88.6156% | 830 |
| Equity capital to assets | 9.5351% | 4,180 |
| Core capital (leverage) ratio | 8.9056% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5628% | 2,454 |
| Memoranda: | ||
| Average total assets | $207,681,000 | 2,813 |
| Average earning assets | $188,272,000 | 2,847 |
| Average equity | $19,773,500 | 3,191 |
| Average total loans | $119,938,500 | 2,958 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7192% | 2,268 |
| Cost of funding earning assets | 0.6579% | 3,375 |
| Net interest margin | 4.0613% | 1,645 |
| Noninterest income to average assets | 0.7368% | 1,672 |
| Noninterest expense to average assets | 3.5050% | 959 |
| Loan and lease loss provision to assets | 0.0760% | 2,471 |
| Net operating income to assets | 0.8918% | 3,240 |
| Return on assets (ROA) | 0.9684% | 3,043 |
| Pretax return on assets | 0.9693% | 3,542 |
| Return on Equity (ROE) | 10.9070% | 1,922 |
| Retained earnings to average equity (ytd only) | 5.4204% | 2,215 |
| Net charge-offs to loans | 0.0584% | 2,266 |
| Credit loss provision to net charge-offs | 227.9412% | 1,173 |
| Earnings coverage of net charge-offs (x) | 29.0441% | 1,613 |
| Efficiency ratio | 77.9496% | 1,157 |
| Assets per employee ($millions) | 3.2788% | 4,658 |
| Cash dividends to net income (ytd only)* | 50.3040% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 1,296 |
| Loan loss allowance to noncurrent loans | 200.1134% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 2,658 |
| Noncurrent loans to loans | 0.7360% | 2,041 |
| Net loans and leases to total assets | 58.0841% | 3,764 |
| Net loans and leases to deposits | 65.5921% | 3,977 |
| Net loans and leases to core deposits | 67.3886% | 4,115 |
| Total domestic deposits to total assets | 88.5534% | 861 |
| Equity capital to assets | 9.5065% | 4,350 |
| Core capital (leverage) ratio | 8.6135% | 4,776 |
| Tier 1 risk-based capital ratio | 12.3548% | 4,157 |
| Total risk-based capital ratio | 13.5421% | 4,058 |
| Memoranda: | ||
| Average total assets | $203,850,000 | 2,811 |
| Average earning assets | $187,574,200 | 2,820 |
| Average equity | $18,098,400 | 3,328 |
| Average total loans | $116,529,400 | 2,986 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7137% | 2,374 |
| Cost of funding earning assets | 0.6558% | 3,424 |
| Net interest margin | 4.0579% | 1,736 |
| Noninterest income to average assets | 0.7046% | 1,767 |
| Noninterest expense to average assets | 3.4014% | 1,086 |
| Loan and lease loss provision to assets | 0.1013% | 1,896 |
| Net operating income to assets | 0.9458% | 3,185 |
| Return on assets (ROA) | 1.0242% | 2,965 |
| Pretax return on assets | 1.0255% | 3,510 |
| Return on Equity (ROE) | 11.7430% | 1,707 |
| Retained earnings to average equity (ytd only) | 7.7562% | 1,509 |
| Net charge-offs to loans | 0.0369% | 2,350 |
| Credit loss provision to net charge-offs | 484.3750% | 647 |
| Earnings coverage of net charge-offs (x) | 50.1198% | 1,188 |
| Efficiency ratio | 76.0429% | 1,325 |
| Assets per employee ($millions) | 3.5132% | 4,486 |
| Cash dividends to net income (ytd only)* | 33.9505% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 1,354 |
| Loan loss allowance to noncurrent loans | 146.7808% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6022% | 2,200 |
| Noncurrent loans to loans | 0.9963% | 1,605 |
| Net loans and leases to total assets | 59.5537% | 3,717 |
| Net loans and leases to deposits | 67.2286% | 3,975 |
| Net loans and leases to core deposits | 69.0586% | 4,101 |
| Total domestic deposits to total assets | 88.5839% | 788 |
| Equity capital to assets | 9.5100% | 4,442 |
| Core capital (leverage) ratio | 8.8955% | 4,716 |
| Tier 1 risk-based capital ratio | 12.3661% | 4,212 |
| Total risk-based capital ratio | 13.5760% | 4,122 |
| Memoranda: | ||
| Average total assets | $203,991,750 | 2,828 |
| Average earning assets | $188,268,750 | 2,835 |
| Average equity | $17,791,750 | 3,384 |
| Average total loans | $115,701,750 | 3,028 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 2,539 |
| Cost of funding earning assets | 0.6601% | 3,353 |
| Net interest margin | 3.9816% | 1,980 |
| Noninterest income to average assets | 0.6282% | 2,030 |
| Noninterest expense to average assets | 3.3597% | 1,173 |
| Loan and lease loss provision to assets | 0.0833% | 2,174 |
| Net operating income to assets | 0.8723% | 3,395 |
| Return on assets (ROA) | 0.8801% | 3,421 |
| Pretax return on assets | 0.8821% | 3,900 |
| Return on Equity (ROE) | 10.4038% | 2,212 |
| Retained earnings to average equity (ytd only) | 7.1482% | 1,741 |
| Net charge-offs to loans | 0.0300% | 2,255 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 57.4706% | 1,008 |
| Efficiency ratio | 77.4120% | 1,224 |
| Assets per employee ($millions) | 3.4742% | 4,525 |
| Cash dividends to net income (ytd only)* | 31.2918% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 1,383 |
| Loan loss allowance to noncurrent loans | 132.8006% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 2,147 |
| Noncurrent loans to loans | 1.1001% | 1,493 |
| Net loans and leases to total assets | 56.4612% | 4,049 |
| Net loans and leases to deposits | 63.2474% | 4,259 |
| Net loans and leases to core deposits | 64.3337% | 4,399 |
| Total domestic deposits to total assets | 89.2704% | 555 |
| Equity capital to assets | 8.9263% | 4,836 |
| Core capital (leverage) ratio | 8.4146% | 5,001 |
| Tier 1 risk-based capital ratio | 12.1064% | 4,356 |
| Total risk-based capital ratio | 13.2815% | 4,289 |
| Memoranda: | ||
| Average total assets | $204,067,670 | 2,841 |
| Average earning assets | $189,070,330 | 2,832 |
| Average equity | $17,263,000 | 3,436 |
| Average total loans | $113,219,000 | 3,085 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 2,740 |
| Cost of funding earning assets | 0.6029% | 3,556 |
| Net interest margin | 3.9337% | 2,081 |
| Noninterest income to average assets | 0.6123% | 1,994 |
| Noninterest expense to average assets | 3.4734% | 1,004 |
| Loan and lease loss provision to assets | 0.0495% | 2,666 |
| Net operating income to assets | 0.7312% | 3,840 |
| Return on assets (ROA) | 0.7371% | 3,865 |
| Pretax return on assets | 0.7410% | 4,194 |
| Return on Equity (ROE) | 8.9687% | 2,823 |
| Retained earnings to average equity (ytd only) | 8.9687% | 1,333 |
| Net charge-offs to loans | -0.0182% | 4,448 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1540% | 957 |
| Assets per employee ($millions) | 3.7238% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 1,234 |
| Loan loss allowance to noncurrent loans | 141.4250% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 2,259 |
| Noncurrent loans to loans | 1.0832% | 1,535 |
| Net loans and leases to total assets | 53.5736% | 4,231 |
| Net loans and leases to deposits | 60.0306% | 4,412 |
| Net loans and leases to core deposits | 60.8908% | 4,535 |
| Total domestic deposits to total assets | 89.2437% | 747 |
| Equity capital to assets | 8.3917% | 5,047 |
| Core capital (leverage) ratio | 8.6377% | 4,924 |
| Tier 1 risk-based capital ratio | 12.5304% | 4,150 |
| Total risk-based capital ratio | 13.7371% | 4,048 |
| Memoranda: | ||
| Average total assets | $201,876,000 | 2,887 |
| Average earning assets | $187,099,500 | 2,885 |
| Average equity | $16,591,000 | 3,518 |
| Average total loans | $110,109,000 | 3,168 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4770% | 2,524 |
| Cost of funding earning assets | 0.4641% | 3,587 |
| Net interest margin | 4.0129% | 1,943 |
| Noninterest income to average assets | 0.7243% | 1,752 |
| Noninterest expense to average assets | 3.2242% | 1,495 |
| Loan and lease loss provision to assets | 0.1003% | 2,183 |
| Net operating income to assets | 0.8241% | 3,715 |
| Return on assets (ROA) | 0.8241% | 3,713 |
| Pretax return on assets | 1.1359% | 3,149 |
| Return on Equity (ROE) | 10.6853% | 2,216 |
| Retained earnings to average equity (ytd only) | 4.9202% | 2,811 |
| Net charge-offs to loans | 0.0267% | 2,880 |
| Credit loss provision to net charge-offs | 689.6552% | 503 |
| Earnings coverage of net charge-offs (x) | 85.0345% | 828 |
| Efficiency ratio | 71.2969% | 2,001 |
| Assets per employee ($millions) | 3.7536% | 4,237 |
| Cash dividends to net income (ytd only)* | 53.9538% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5425% | 1,170 |
| Loan loss allowance to noncurrent loans | 159.0521% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 2,415 |
| Noncurrent loans to loans | 0.9698% | 1,672 |
| Net loans and leases to total assets | 53.8393% | 4,290 |
| Net loans and leases to deposits | 60.1388% | 4,469 |
| Net loans and leases to core deposits | 60.9394% | 4,592 |
| Total domestic deposits to total assets | 89.5251% | 647 |
| Equity capital to assets | 8.0400% | 5,149 |
| Core capital (leverage) ratio | 8.2761% | 5,132 |
| Tier 1 risk-based capital ratio | 12.5472% | 4,108 |
| Total risk-based capital ratio | 13.7607% | 4,001 |
| Memoranda: | ||
| Average total assets | $199,494,000 | 2,878 |
| Average earning assets | $185,725,400 | 2,866 |
| Average equity | $15,385,600 | 3,590 |
| Average total loans | $108,560,800 | 3,155 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3998% | 2,626 |
| Cost of funding earning assets | 0.4238% | 3,702 |
| Net interest margin | 3.9761% | 2,028 |
| Noninterest income to average assets | 0.7133% | 1,822 |
| Noninterest expense to average assets | 3.1698% | 1,601 |
| Loan and lease loss provision to assets | 0.1002% | 1,999 |
| Net operating income to assets | 0.7313% | 4,131 |
| Return on assets (ROA) | 0.7313% | 4,140 |
| Pretax return on assets | 1.1467% | 3,207 |
| Return on Equity (ROE) | 9.5248% | 2,834 |
| Retained earnings to average equity (ytd only) | 3.8708% | 3,845 |
| Net charge-offs to loans | 0.0184% | 2,782 |
| Credit loss provision to net charge-offs | 1,000.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 124.4635% | 639 |
| Efficiency ratio | 70.7092% | 2,089 |
| Assets per employee ($millions) | 3.8848% | 4,062 |
| Cash dividends to net income (ytd only)* | 59.3612% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,343 |
| Loan loss allowance to noncurrent loans | 167.3802% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 2,773 |
| Noncurrent loans to loans | 0.8963% | 1,906 |
| Net loans and leases to total assets | 52.3606% | 4,468 |
| Net loans and leases to deposits | 57.9285% | 4,647 |
| Net loans and leases to core deposits | 58.3489% | 4,766 |
| Total domestic deposits to total assets | 90.3884% | 383 |
| Equity capital to assets | 7.2973% | 5,346 |
| Core capital (leverage) ratio | 8.7255% | 4,940 |
| Tier 1 risk-based capital ratio | 12.2771% | 4,335 |
| Total risk-based capital ratio | 13.4616% | 4,263 |
| Memoranda: | ||
| Average total assets | $199,631,750 | 2,890 |
| Average earning assets | $185,941,500 | 2,890 |
| Average equity | $15,328,000 | 3,620 |
| Average total loans | $108,504,250 | 3,181 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 2,448 |
| Cost of funding earning assets | 0.4085% | 3,663 |
| Net interest margin | 3.9840% | 1,914 |
| Noninterest income to average assets | 0.6561% | 2,061 |
| Noninterest expense to average assets | 3.2692% | 1,390 |
| Loan and lease loss provision to assets | 0.1012% | 1,923 |
| Net operating income to assets | 0.3685% | 5,023 |
| Return on assets (ROA) | 0.3685% | 5,025 |
| Pretax return on assets | 0.9983% | 3,665 |
| Return on Equity (ROE) | 4.7184% | 4,629 |
| Retained earnings to average equity (ytd only) | -0.5444% | 5,033 |
| Net charge-offs to loans | 0.0370% | 2,111 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 54.3000% | 1,068 |
| Efficiency ratio | 73.7659% | 1,740 |
| Assets per employee ($millions) | 3.7547% | 4,275 |
| Cash dividends to net income (ytd only)* | 111.5385% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 1,660 |
| Loan loss allowance to noncurrent loans | 394.5274% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 3,993 |
| Noncurrent loans to loans | 0.3616% | 3,401 |
| Net loans and leases to total assets | 55.0659% | 4,240 |
| Net loans and leases to deposits | 61.0800% | 4,473 |
| Net loans and leases to core deposits | 61.5411% | 4,626 |
| Total domestic deposits to total assets | 90.1537% | 522 |
| Equity capital to assets | 7.6935% | 5,321 |
| Core capital (leverage) ratio | 8.1478% | 5,293 |
| Tier 1 risk-based capital ratio | 12.1186% | 4,421 |
| Total risk-based capital ratio | 13.2829% | 4,349 |
| Memoranda: | ||
| Average total assets | $197,543,330 | 2,925 |
| Average earning assets | $184,086,670 | 2,923 |
| Average equity | $15,429,000 | 3,625 |
| Average total loans | $108,188,670 | 3,200 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2627% | 2,661 |
| Cost of funding earning assets | 0.3776% | 3,753 |
| Net interest margin | 3.8851% | 2,106 |
| Noninterest income to average assets | 0.6605% | 1,995 |
| Noninterest expense to average assets | 3.3188% | 1,316 |
| Loan and lease loss provision to assets | 0.1016% | 1,829 |
| Net operating income to assets | -0.4085% | 5,485 |
| Return on assets (ROA) | -0.4085% | 5,482 |
| Pretax return on assets | 0.8577% | 3,990 |
| Return on Equity (ROE) | -5.1909% | 5,501 |
| Retained earnings to average equity (ytd only) | -5.8366% | 5,244 |
| Net charge-offs to loans | -0.0112% | 4,297 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4846% | 1,526 |
| Assets per employee ($millions) | 3.9605% | 4,043 |
| Cash dividends to net income (ytd only)* | -12.4378% | 5,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 1,686 |
| Loan loss allowance to noncurrent loans | 696.4286% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 4,459 |
| Noncurrent loans to loans | 0.2071% | 4,044 |
| Net loans and leases to total assets | 53.8381% | 4,298 |
| Net loans and leases to deposits | 59.5919% | 4,502 |
| Net loans and leases to core deposits | 60.2186% | 4,643 |
| Total domestic deposits to total assets | 90.3448% | 524 |
| Equity capital to assets | 7.4626% | 5,426 |
| Core capital (leverage) ratio | 8.3180% | 5,248 |
| Tier 1 risk-based capital ratio | 11.8343% | 4,661 |
| Total risk-based capital ratio | 12.9668% | 4,617 |
| Memoranda: | ||
| Average total assets | $196,816,000 | 2,961 |
| Average earning assets | $183,265,000 | 2,961 |
| Average equity | $15,488,500 | 3,646 |
| Average total loans | $106,700,000 | 3,249 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 2,682 |
| Cost of funding earning assets | 0.3568% | 3,645 |
| Net interest margin | 3.8458% | 2,268 |
| Noninterest income to average assets | 0.7077% | 1,928 |
| Noninterest expense to average assets | 3.2187% | 1,569 |
| Loan and lease loss provision to assets | 0.1066% | 2,102 |
| Net operating income to assets | 0.5356% | 4,276 |
| Return on assets (ROA) | 0.5441% | 4,278 |
| Pretax return on assets | 0.9683% | 3,681 |
| Return on Equity (ROE) | 6.2825% | 3,635 |
| Retained earnings to average equity (ytd only) | 3.6673% | 3,048 |
| Net charge-offs to loans | 0.1017% | 2,051 |
| Credit loss provision to net charge-offs | 186.9159% | 1,455 |
| Earnings coverage of net charge-offs (x) | 18.6168% | 2,070 |
| Efficiency ratio | 74.0413% | 1,888 |
| Assets per employee ($millions) | 3.6907% | 4,444 |
| Cash dividends to net income (ytd only)* | 41.6259% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 1,644 |
| Loan loss allowance to noncurrent loans | 560.2230% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 4,394 |
| Noncurrent loans to loans | 0.2556% | 3,872 |
| Net loans and leases to total assets | 53.0247% | 4,440 |
| Net loans and leases to deposits | 59.2406% | 4,618 |
| Net loans and leases to core deposits | 59.8781% | 4,761 |
| Total domestic deposits to total assets | 89.5074% | 771 |
| Equity capital to assets | 8.2815% | 5,268 |
| Core capital (leverage) ratio | 8.1132% | 5,397 |
| Tier 1 risk-based capital ratio | 12.2196% | 4,386 |
| Total risk-based capital ratio | 13.3339% | 4,362 |
| Memoranda: | ||
| Average total assets | $187,655,200 | 3,044 |
| Average earning assets | $174,318,600 | 3,018 |
| Average equity | $16,251,600 | 3,562 |
| Average total loans | $105,220,600 | 3,260 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1838% | 2,670 |
| Cost of funding earning assets | 0.3402% | 3,770 |
| Net interest margin | 3.8436% | 2,242 |
| Noninterest income to average assets | 0.7224% | 1,892 |
| Noninterest expense to average assets | 3.1195% | 1,751 |
| Loan and lease loss provision to assets | 0.1077% | 1,975 |
| Net operating income to assets | 0.7863% | 3,576 |
| Return on assets (ROA) | 0.8107% | 3,529 |
| Pretax return on assets | 1.0980% | 3,307 |
| Return on Equity (ROE) | 9.2550% | 2,468 |
| Retained earnings to average equity (ytd only) | 8.4352% | 1,040 |
| Net charge-offs to loans | 0.1153% | 1,640 |
| Credit loss provision to net charge-offs | 164.8352% | 1,566 |
| Earnings coverage of net charge-offs (x) | 17.9451% | 2,082 |
| Efficiency ratio | 71.5074% | 2,279 |
| Assets per employee ($millions) | 3.6544% | 4,507 |
| Cash dividends to net income (ytd only)* | 8.8574% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 1,880 |
| Loan loss allowance to noncurrent loans | 133.5145% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 2,702 |
| Noncurrent loans to loans | 1.0500% | 1,843 |
| Net loans and leases to total assets | 53.5266% | 4,453 |
| Net loans and leases to deposits | 60.1803% | 4,630 |
| Net loans and leases to core deposits | 60.8386% | 4,776 |
| Total domestic deposits to total assets | 88.9438% | 913 |
| Equity capital to assets | 8.8082% | 5,077 |
| Core capital (leverage) ratio | 8.5969% | 5,168 |
| Tier 1 risk-based capital ratio | 12.5438% | 4,291 |
| Total risk-based capital ratio | 13.6353% | 4,296 |
| Memoranda: | ||
| Average total assets | $185,667,750 | 3,088 |
| Average earning assets | $172,438,750 | 3,070 |
| Average equity | $16,264,750 | 3,595 |
| Average total loans | $105,219,250 | 3,285 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 2,726 |
| Cost of funding earning assets | 0.3268% | 3,834 |
| Net interest margin | 3.8053% | 2,268 |
| Noninterest income to average assets | 0.7410% | 1,806 |
| Noninterest expense to average assets | 3.1662% | 1,664 |
| Loan and lease loss provision to assets | 0.1093% | 1,867 |
| Net operating income to assets | 0.7316% | 3,698 |
| Return on assets (ROA) | 0.7563% | 3,657 |
| Pretax return on assets | 1.0372% | 3,417 |
| Return on Equity (ROE) | 8.6502% | 2,695 |
| Retained earnings to average equity (ytd only) | 7.4002% | 1,397 |
| Net charge-offs to loans | -0.0114% | 4,583 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7969% | 2,213 |
| Assets per employee ($millions) | 3.8202% | 4,250 |
| Cash dividends to net income (ytd only)* | 14.4509% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 1,912 |
| Loan loss allowance to noncurrent loans | 154.3611% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.5107% | 3,061 |
| Noncurrent loans to loans | 0.9131% | 2,144 |
| Net loans and leases to total assets | 52.5789% | 4,520 |
| Net loans and leases to deposits | 58.6773% | 4,723 |
| Net loans and leases to core deposits | 59.7935% | 4,829 |
| Total domestic deposits to total assets | 89.6069% | 679 |
| Equity capital to assets | 8.2357% | 5,429 |
| Core capital (leverage) ratio | 8.5639% | 5,171 |
| Tier 1 risk-based capital ratio | 11.9802% | 4,647 |
| Total risk-based capital ratio | 13.0863% | 4,628 |
| Memoranda: | ||
| Average total assets | $182,996,000 | 3,120 |
| Average earning assets | $170,130,000 | 3,109 |
| Average equity | $15,999,670 | 3,640 |
| Average total loans | $105,243,670 | 3,296 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1592% | 2,433 |
| Cost of funding earning assets | 0.2891% | 4,152 |
| Net interest margin | 3.8702% | 1,886 |
| Noninterest income to average assets | 0.8011% | 1,545 |
| Noninterest expense to average assets | 3.4376% | 1,133 |
| Loan and lease loss provision to assets | 0.1154% | 1,660 |
| Net operating income to assets | 0.6452% | 3,952 |
| Return on assets (ROA) | 0.6718% | 3,865 |
| Pretax return on assets | 0.8681% | 3,875 |
| Return on Equity (ROE) | 7.4320% | 3,196 |
| Retained earnings to average equity (ytd only) | 7.4320% | 1,683 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1579% | 1,740 |
| Assets per employee ($millions) | 3.4698% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 2,151 |
| Loan loss allowance to noncurrent loans | 172.7594% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5046% | 3,201 |
| Noncurrent loans to loans | 0.8004% | 2,456 |
| Net loans and leases to total assets | 59.0431% | 3,881 |
| Net loans and leases to deposits | 66.6973% | 4,112 |
| Net loans and leases to core deposits | 68.2840% | 4,271 |
| Total domestic deposits to total assets | 88.5239% | 1,410 |
| Equity capital to assets | 8.9580% | 4,848 |
| Core capital (leverage) ratio | 9.4705% | 4,147 |
| Tier 1 risk-based capital ratio | 12.3913% | 4,453 |
| Total risk-based capital ratio | 13.5142% | 4,433 |
| Memoranda: | ||
| Average total assets | $173,258,500 | 3,278 |
| Average earning assets | $160,510,500 | 3,262 |
| Average equity | $15,662,000 | 3,700 |
| Average total loans | $103,876,000 | 3,342 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 2,357 |
| Cost of funding earning assets | 0.3038% | 4,028 |
| Net interest margin | 3.9345% | 1,837 |
| Noninterest income to average assets | 0.8285% | 1,654 |
| Noninterest expense to average assets | 3.4022% | 1,353 |
| Loan and lease loss provision to assets | 0.1209% | 2,044 |
| Net operating income to assets | 0.7022% | 3,772 |
| Return on assets (ROA) | 0.7330% | 3,741 |
| Pretax return on assets | 0.9947% | 3,496 |
| Return on Equity (ROE) | 7.6280% | 3,155 |
| Retained earnings to average equity (ytd only) | 5.0308% | 2,324 |
| Net charge-offs to loans | 0.1042% | 2,228 |
| Credit loss provision to net charge-offs | 194.1748% | 1,455 |
| Earnings coverage of net charge-offs (x) | 17.2524% | 2,061 |
| Efficiency ratio | 74.7536% | 2,172 |
| Assets per employee ($millions) | 3.3912% | 4,915 |
| Cash dividends to net income (ytd only)* | 34.0478% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 2,121 |
| Loan loss allowance to noncurrent loans | 161.8993% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5420% | 3,109 |
| Noncurrent loans to loans | 0.8585% | 2,384 |
| Net loans and leases to total assets | 59.2069% | 3,937 |
| Net loans and leases to deposits | 67.0397% | 4,169 |
| Net loans and leases to core deposits | 68.4751% | 4,359 |
| Total domestic deposits to total assets | 88.3161% | 1,480 |
| Equity capital to assets | 9.1249% | 4,675 |
| Core capital (leverage) ratio | 9.0167% | 4,725 |
| Tier 1 risk-based capital ratio | 12.5897% | 4,330 |
| Total risk-based capital ratio | 13.7131% | 4,289 |
| Memoranda: | ||
| Average total assets | $165,480,000 | 3,341 |
| Average earning assets | $153,411,600 | 3,331 |
| Average equity | $15,902,000 | 3,704 |
| Average total loans | $98,869,600 | 3,408 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 2,296 |
| Cost of funding earning assets | 0.3046% | 4,048 |
| Net interest margin | 3.9567% | 1,790 |
| Noninterest income to average assets | 0.8277% | 1,658 |
| Noninterest expense to average assets | 3.3458% | 1,463 |
| Loan and lease loss provision to assets | 0.1216% | 1,915 |
| Net operating income to assets | 0.7034% | 3,825 |
| Return on assets (ROA) | 0.7515% | 3,731 |
| Pretax return on assets | 1.0953% | 3,250 |
| Return on Equity (ROE) | 7.7202% | 3,167 |
| Retained earnings to average equity (ytd only) | 6.8874% | 1,679 |
| Net charge-offs to loans | 0.0666% | 2,382 |
| Credit loss provision to net charge-offs | 306.1224% | 1,014 |
| Earnings coverage of net charge-offs (x) | 28.8783% | 1,528 |
| Efficiency ratio | 73.2227% | 2,402 |
| Assets per employee ($millions) | 3.1250% | 5,266 |
| Cash dividends to net income (ytd only)* | 10.7875% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 2,107 |
| Loan loss allowance to noncurrent loans | 161.7312% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 3,338 |
| Noncurrent loans to loans | 0.8782% | 2,503 |
| Net loans and leases to total assets | 59.5053% | 3,938 |
| Net loans and leases to deposits | 68.0253% | 4,147 |
| Net loans and leases to core deposits | 69.9731% | 4,328 |
| Total domestic deposits to total assets | 87.4752% | 1,680 |
| Equity capital to assets | 9.9315% | 4,204 |
| Core capital (leverage) ratio | 9.7322% | 3,900 |
| Tier 1 risk-based capital ratio | 14.3344% | 3,377 |
| Total risk-based capital ratio | 15.5846% | 3,312 |
| Memoranda: | ||
| Average total assets | $164,460,500 | 3,368 |
| Average earning assets | $152,344,250 | 3,363 |
| Average equity | $16,009,500 | 3,720 |
| Average total loans | $98,135,750 | 3,426 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 2,359 |
| Cost of funding earning assets | 0.3070% | 4,047 |
| Net interest margin | 3.9336% | 1,869 |
| Noninterest income to average assets | 0.7716% | 1,841 |
| Noninterest expense to average assets | 3.3473% | 1,486 |
| Loan and lease loss provision to assets | 0.1219% | 1,879 |
| Net operating income to assets | 0.6787% | 3,905 |
| Return on assets (ROA) | 0.7229% | 3,841 |
| Pretax return on assets | 1.0191% | 3,517 |
| Return on Equity (ROE) | 7.4765% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.4765% | 1,395 |
| Net charge-offs to loans | 0.0841% | 2,007 |
| Credit loss provision to net charge-offs | 243.9024% | 1,122 |
| Earnings coverage of net charge-offs (x) | 21.5854% | 1,673 |
| Efficiency ratio | 74.3321% | 2,315 |
| Assets per employee ($millions) | 3.4127% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 2,423 |
| Loan loss allowance to noncurrent loans | 164.0476% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 3,371 |
| Noncurrent loans to loans | 0.8364% | 2,655 |
| Net loans and leases to total assets | 59.2363% | 3,982 |
| Net loans and leases to deposits | 68.5810% | 4,126 |
| Net loans and leases to core deposits | 70.5525% | 4,290 |
| Total domestic deposits to total assets | 86.3742% | 2,227 |
| Equity capital to assets | 9.7566% | 4,504 |
| Core capital (leverage) ratio | 9.1151% | 4,698 |
| Tier 1 risk-based capital ratio | 14.0562% | 3,569 |
| Total risk-based capital ratio | 15.2965% | 3,499 |
| Memoranda: | ||
| Average total assets | $164,072,670 | 3,387 |
| Average earning assets | $152,429,330 | 3,378 |
| Average equity | $15,863,000 | 3,755 |
| Average total loans | $97,522,670 | 3,450 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 2,245 |
| Cost of funding earning assets | 0.2971% | 4,193 |
| Net interest margin | 3.9705% | 1,709 |
| Noninterest income to average assets | 0.7631% | 1,763 |
| Noninterest expense to average assets | 3.3428% | 1,501 |
| Loan and lease loss provision to assets | 0.1231% | 1,717 |
| Net operating income to assets | 0.6728% | 3,863 |
| Return on assets (ROA) | 0.7582% | 3,554 |
| Pretax return on assets | 1.1077% | 3,066 |
| Return on Equity (ROE) | 7.8787% | 2,987 |
| Retained earnings to average equity (ytd only) | 7.8787% | 1,511 |
| Net charge-offs to loans | 0.0874% | 1,626 |
| Credit loss provision to net charge-offs | 238.0952% | 972 |
| Earnings coverage of net charge-offs (x) | 21.3810% | 1,433 |
| Efficiency ratio | 73.8794% | 2,498 |
| Assets per employee ($millions) | 3.3135% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 2,501 |
| Loan loss allowance to noncurrent loans | 532.8063% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 4,737 |
| Noncurrent loans to loans | 0.2597% | 4,507 |
| Net loans and leases to total assets | 59.1743% | 3,901 |
| Net loans and leases to deposits | 68.5151% | 4,004 |
| Net loans and leases to core deposits | 70.4928% | 4,205 |
| Total domestic deposits to total assets | 86.3668% | 2,513 |
| Equity capital to assets | 9.7585% | 4,386 |
| Core capital (leverage) ratio | 9.5361% | 4,123 |
| Tier 1 risk-based capital ratio | 14.6776% | 3,297 |
| Total risk-based capital ratio | 15.9286% | 3,242 |
| Memoranda: | ||
| Average total assets | $162,499,000 | 3,422 |
| Average earning assets | $150,811,000 | 3,415 |
| Average equity | $15,637,000 | 3,787 |
| Average total loans | $96,067,500 | 3,494 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3146% | 2,178 |
| Cost of funding earning assets | 0.3099% | 4,145 |
| Net interest margin | 4.0047% | 1,703 |
| Noninterest income to average assets | 0.8530% | 1,596 |
| Noninterest expense to average assets | 3.4875% | 1,307 |
| Loan and lease loss provision to assets | 0.0651% | 2,989 |
| Net operating income to assets | 0.7190% | 3,714 |
| Return on assets (ROA) | 0.7222% | 3,803 |
| Pretax return on assets | 1.0131% | 3,409 |
| Return on Equity (ROE) | 7.3454% | 3,336 |
| Retained earnings to average equity (ytd only) | 5.4263% | 2,121 |
| Net charge-offs to loans | 0.0350% | 3,511 |
| Credit loss provision to net charge-offs | 312.5000% | 953 |
| Earnings coverage of net charge-offs (x) | 51.5625% | 979 |
| Efficiency ratio | 75.1355% | 2,408 |
| Assets per employee ($millions) | 3.3191% | 5,124 |
| Cash dividends to net income (ytd only)* | 26.1261% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 2,457 |
| Loan loss allowance to noncurrent loans | 288.6214% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 4,260 |
| Noncurrent loans to loans | 0.4825% | 3,754 |
| Net loans and leases to total assets | 57.4236% | 4,156 |
| Net loans and leases to deposits | 66.2712% | 4,294 |
| Net loans and leases to core deposits | 68.1723% | 4,441 |
| Total domestic deposits to total assets | 86.6494% | 2,300 |
| Equity capital to assets | 9.4874% | 4,566 |
| Core capital (leverage) ratio | 8.9295% | 4,968 |
| Tier 1 risk-based capital ratio | 14.3396% | 3,528 |
| Total risk-based capital ratio | 15.5902% | 3,440 |
| Memoranda: | ||
| Average total assets | $153,690,000 | 3,513 |
| Average earning assets | $142,307,200 | 3,513 |
| Average equity | $15,111,600 | 3,821 |
| Average total loans | $91,397,400 | 3,562 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 2,077 |
| Cost of funding earning assets | 0.2977% | 4,366 |
| Net interest margin | 4.0527% | 1,550 |
| Noninterest income to average assets | 0.8671% | 1,559 |
| Noninterest expense to average assets | 3.4386% | 1,400 |
| Loan and lease loss provision to assets | 0.0660% | 2,862 |
| Net operating income to assets | 0.7625% | 3,625 |
| Return on assets (ROA) | 0.7703% | 3,668 |
| Pretax return on assets | 1.1251% | 3,118 |
| Return on Equity (ROE) | 7.7610% | 3,206 |
| Retained earnings to average equity (ytd only) | 7.7610% | 1,352 |
| Net charge-offs to loans | 0.0471% | 2,951 |
| Credit loss provision to net charge-offs | 234.3750% | 1,192 |
| Earnings coverage of net charge-offs (x) | 41.8706% | 1,200 |
| Efficiency ratio | 73.1224% | 2,695 |
| Assets per employee ($millions) | 3.2658% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 2,761 |
| Loan loss allowance to noncurrent loans | 280.0866% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 4,132 |
| Noncurrent loans to loans | 0.4876% | 3,894 |
| Net loans and leases to total assets | 60.8909% | 3,749 |
| Net loans and leases to deposits | 74.5115% | 3,488 |
| Net loans and leases to core deposits | 76.7586% | 3,716 |
| Total domestic deposits to total assets | 81.7201% | 4,250 |
| Equity capital to assets | 10.0683% | 4,081 |
| Core capital (leverage) ratio | 9.9256% | 3,736 |
| Tier 1 risk-based capital ratio | 14.6424% | 3,474 |
| Total risk-based capital ratio | 15.8925% | 3,411 |
| Memoranda: | ||
| Average total assets | $151,453,250 | 3,579 |
| Average earning assets | $140,181,500 | 3,570 |
| Average equity | $15,032,000 | 3,870 |
| Average total loans | $90,569,000 | 3,611 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2845% | 2,216 |
| Cost of funding earning assets | 0.2988% | 4,409 |
| Net interest margin | 3.9857% | 1,682 |
| Noninterest income to average assets | 0.8543% | 1,594 |
| Noninterest expense to average assets | 3.4475% | 1,382 |
| Loan and lease loss provision to assets | 0.0663% | 2,789 |
| Net operating income to assets | 0.7198% | 3,795 |
| Return on assets (ROA) | 0.7216% | 3,899 |
| Pretax return on assets | 1.0413% | 3,410 |
| Return on Equity (ROE) | 7.3063% | 3,435 |
| Retained earnings to average equity (ytd only) | 7.3063% | 1,567 |
| Net charge-offs to loans | 0.0538% | 2,646 |
| Credit loss provision to net charge-offs | 208.3333% | 1,192 |
| Earnings coverage of net charge-offs (x) | 34.7083% | 1,238 |
| Efficiency ratio | 74.3590% | 2,631 |
| Assets per employee ($millions) | 3.0492% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 2,745 |
| Loan loss allowance to noncurrent loans | 232.6047% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 4,093 |
| Noncurrent loans to loans | 0.6032% | 3,661 |
| Net loans and leases to total assets | 57.7040% | 4,141 |
| Net loans and leases to deposits | 70.4768% | 3,877 |
| Net loans and leases to core deposits | 71.5558% | 4,176 |
| Total domestic deposits to total assets | 81.8765% | 4,332 |
| Equity capital to assets | 9.6887% | 4,417 |
| Core capital (leverage) ratio | 9.9903% | 3,618 |
| Tier 1 risk-based capital ratio | 14.6386% | 3,558 |
| Total risk-based capital ratio | 15.8891% | 3,488 |
| Memoranda: | ||
| Average total assets | $150,774,000 | 3,623 |
| Average earning assets | $139,899,000 | 3,605 |
| Average equity | $14,891,330 | 3,912 |
| Average total loans | $89,173,330 | 3,661 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 1,994 |
| Cost of funding earning assets | 0.3086% | 4,343 |
| Net interest margin | 4.0229% | 1,484 |
| Noninterest income to average assets | 0.8409% | 1,571 |
| Noninterest expense to average assets | 3.5956% | 1,145 |
| Loan and lease loss provision to assets | 0.0674% | 2,594 |
| Net operating income to assets | 0.6591% | 4,011 |
| Return on assets (ROA) | 0.6630% | 4,111 |
| Pretax return on assets | 0.9083% | 3,857 |
| Return on Equity (ROE) | 6.6471% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.6471% | 2,165 |
| Net charge-offs to loans | 0.0952% | 1,773 |
| Credit loss provision to net charge-offs | 119.0476% | 1,453 |
| Earnings coverage of net charge-offs (x) | 17.1429% | 1,538 |
| Efficiency ratio | 77.3908% | 2,282 |
| Assets per employee ($millions) | 3.1796% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 2,868 |
| Loan loss allowance to noncurrent loans | 203.0744% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 4,103 |
| Noncurrent loans to loans | 0.6949% | 3,537 |
| Net loans and leases to total assets | 59.9479% | 3,661 |
| Net loans and leases to deposits | 69.2977% | 3,826 |
| Net loans and leases to core deposits | 71.5139% | 4,011 |
| Total domestic deposits to total assets | 86.5078% | 2,664 |
| Equity capital to assets | 10.2426% | 3,839 |
| Core capital (leverage) ratio | 9.7631% | 3,936 |
| Tier 1 risk-based capital ratio | 14.9079% | 3,479 |
| Total risk-based capital ratio | 16.1584% | 3,417 |
| Memoranda: | ||
| Average total assets | $148,405,500 | 3,680 |
| Average earning assets | $137,413,000 | 3,665 |
| Average equity | $14,803,500 | 3,946 |
| Average total loans | $88,253,500 | 3,693 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 2,067 |
| Cost of funding earning assets | 0.3482% | 4,273 |
| Net interest margin | 4.1029% | 1,572 |
| Noninterest income to average assets | 0.6811% | 2,389 |
| Noninterest expense to average assets | 3.3756% | 1,750 |
| Loan and lease loss provision to assets | 0.0338% | 3,914 |
| Net operating income to assets | 0.7612% | 3,560 |
| Return on assets (ROA) | 0.8392% | 3,271 |
| Pretax return on assets | 1.1520% | 2,864 |
| Return on Equity (ROE) | 8.8839% | 2,647 |
| Retained earnings to average equity (ytd only) | 6.8954% | 1,451 |
| Net charge-offs to loans | 0.0486% | 3,853 |
| Credit loss provision to net charge-offs | 121.9512% | 1,968 |
| Earnings coverage of net charge-offs (x) | 38.9512% | 1,111 |
| Efficiency ratio | 74.3668% | 2,772 |
| Assets per employee ($millions) | 3.2728% | 5,310 |
| Cash dividends to net income (ytd only)* | 22.3833% | 3,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 2,807 |
| Loan loss allowance to noncurrent loans | 375.6757% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 4,163 |
| Noncurrent loans to loans | 0.3803% | 4,499 |
| Net loans and leases to total assets | 57.3368% | 4,143 |
| Net loans and leases to deposits | 66.3077% | 4,289 |
| Net loans and leases to core deposits | 68.9110% | 4,415 |
| Total domestic deposits to total assets | 86.4709% | 2,586 |
| Equity capital to assets | 9.7151% | 4,448 |
| Core capital (leverage) ratio | 9.4149% | 4,363 |
| Tier 1 risk-based capital ratio | 13.9718% | 4,112 |
| Total risk-based capital ratio | 15.2218% | 4,039 |
| Memoranda: | ||
| Average total assets | $148,003,000 | 3,661 |
| Average earning assets | $136,124,200 | 3,658 |
| Average equity | $13,980,400 | 4,029 |
| Average total loans | $84,308,000 | 3,760 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4257% | 2,139 |
| Cost of funding earning assets | 0.3528% | 4,319 |
| Net interest margin | 4.0729% | 1,662 |
| Noninterest income to average assets | 0.7410% | 2,135 |
| Noninterest expense to average assets | 3.4779% | 1,506 |
| Loan and lease loss provision to assets | 0.0452% | 3,489 |
| Net operating income to assets | 0.6958% | 3,961 |
| Return on assets (ROA) | 0.7717% | 3,665 |
| Pretax return on assets | 1.0613% | 3,337 |
| Return on Equity (ROE) | 8.2300% | 3,079 |
| Retained earnings to average equity (ytd only) | 8.2300% | 1,251 |
| Net charge-offs to loans | 0.0463% | 3,568 |
| Credit loss provision to net charge-offs | 172.4138% | 1,438 |
| Earnings coverage of net charge-offs (x) | 38.2027% | 1,168 |
| Efficiency ratio | 76.2116% | 2,458 |
| Assets per employee ($millions) | 3.2147% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 2,849 |
| Loan loss allowance to noncurrent loans | 188.2265% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.8095% | 3,400 |
| Noncurrent loans to loans | 0.7814% | 3,628 |
| Net loans and leases to total assets | 57.2142% | 4,181 |
| Net loans and leases to deposits | 66.3371% | 4,294 |
| Net loans and leases to core deposits | 68.4933% | 4,460 |
| Total domestic deposits to total assets | 86.2478% | 2,731 |
| Equity capital to assets | 9.7529% | 4,482 |
| Core capital (leverage) ratio | 9.3765% | 4,537 |
| Tier 1 risk-based capital ratio | 14.1022% | 4,142 |
| Total risk-based capital ratio | 15.3533% | 4,079 |
| Memoranda: | ||
| Average total assets | $147,366,500 | 3,701 |
| Average earning assets | $135,298,750 | 3,701 |
| Average equity | $13,819,000 | 4,074 |
| Average total loans | $83,492,250 | 3,807 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4039% | 2,165 |
| Cost of funding earning assets | 0.3515% | 4,421 |
| Net interest margin | 4.0524% | 1,657 |
| Noninterest income to average assets | 0.6522% | 2,528 |
| Noninterest expense to average assets | 3.4838% | 1,509 |
| Loan and lease loss provision to assets | 0.0679% | 2,906 |
| Net operating income to assets | 0.6275% | 4,206 |
| Return on assets (ROA) | 0.7473% | 3,686 |
| Pretax return on assets | 0.9864% | 3,527 |
| Return on Equity (ROE) | 8.0775% | 3,048 |
| Retained earnings to average equity (ytd only) | 8.0775% | 1,300 |
| Net charge-offs to loans | 0.0314% | 3,567 |
| Credit loss provision to net charge-offs | 384.6154% | 713 |
| Earnings coverage of net charge-offs (x) | 50.7692% | 903 |
| Efficiency ratio | 78.0707% | 2,279 |
| Assets per employee ($millions) | 3.2048% | 5,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 2,839 |
| Loan loss allowance to noncurrent loans | 145.3409% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.8954% | 3,304 |
| Noncurrent loans to loans | 1.0407% | 3,154 |
| Net loans and leases to total assets | 56.4902% | 4,202 |
| Net loans and leases to deposits | 64.5769% | 4,433 |
| Net loans and leases to core deposits | 66.7915% | 4,570 |
| Total domestic deposits to total assets | 87.4774% | 2,205 |
| Equity capital to assets | 9.5678% | 4,671 |
| Core capital (leverage) ratio | 9.1780% | 4,771 |
| Tier 1 risk-based capital ratio | 14.1099% | 4,186 |
| Total risk-based capital ratio | 15.3615% | 4,118 |
| Memoranda: | ||
| Average total assets | $147,197,330 | 3,726 |
| Average earning assets | $135,425,330 | 3,720 |
| Average equity | $13,618,000 | 4,115 |
| Average total loans | $82,700,330 | 3,838 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3022% | 2,510 |
| Cost of funding earning assets | 0.3553% | 4,488 |
| Net interest margin | 3.9469% | 1,938 |
| Noninterest income to average assets | 0.7016% | 2,158 |
| Noninterest expense to average assets | 3.5327% | 1,425 |
| Loan and lease loss provision to assets | 0.1360% | 1,783 |
| Net operating income to assets | 0.5738% | 4,329 |
| Return on assets (ROA) | 0.5738% | 4,406 |
| Pretax return on assets | 0.6581% | 4,637 |
| Return on Equity (ROE) | 6.3105% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.3105% | 2,375 |
| Net charge-offs to loans | 0.0685% | 2,465 |
| Credit loss provision to net charge-offs | 357.1429% | 702 |
| Earnings coverage of net charge-offs (x) | 20.8571% | 1,316 |
| Efficiency ratio | 80.2011% | 2,179 |
| Assets per employee ($millions) | 3.3135% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 2,885 |
| Loan loss allowance to noncurrent loans | 169.9468% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 3,638 |
| Noncurrent loans to loans | 0.9170% | 3,591 |
| Net loans and leases to total assets | 54.1427% | 4,393 |
| Net loans and leases to deposits | 61.3683% | 4,618 |
| Net loans and leases to core deposits | 63.3057% | 4,748 |
| Total domestic deposits to total assets | 88.2258% | 2,094 |
| Equity capital to assets | 9.1660% | 4,916 |
| Core capital (leverage) ratio | 8.9065% | 5,130 |
| Tier 1 risk-based capital ratio | 14.0610% | 4,288 |
| Total risk-based capital ratio | 15.3124% | 4,226 |
| Memoranda: | ||
| Average total assets | $147,085,000 | 3,748 |
| Average earning assets | $135,094,000 | 3,744 |
| Average equity | $13,374,500 | 4,173 |
| Average total loans | $81,771,500 | 3,889 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3247% | 2,866 |
| Cost of funding earning assets | 0.4696% | 3,918 |
| Net interest margin | 3.8551% | 2,455 |
| Noninterest income to average assets | 0.8540% | 1,853 |
| Noninterest expense to average assets | 3.2912% | 2,170 |
| Loan and lease loss provision to assets | 0.2032% | 1,829 |
| Net operating income to assets | 0.6897% | 3,840 |
| Return on assets (ROA) | 0.7652% | 3,565 |
| Pretax return on assets | 0.9759% | 3,447 |
| Return on Equity (ROE) | 8.4575% | 2,800 |
| Retained earnings to average equity (ytd only) | 6.5489% | 1,653 |
| Net charge-offs to loans | 0.0297% | 4,833 |
| Credit loss provision to net charge-offs | 1,304.3478% | 192 |
| Earnings coverage of net charge-offs (x) | 69.4783% | 609 |
| Efficiency ratio | 73.8154% | 3,157 |
| Assets per employee ($millions) | 3.1536% | 5,586 |
| Cash dividends to net income (ytd only)* | 22.5664% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5233% | 3,078 |
| Loan loss allowance to noncurrent loans | 82.5798% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.4800% | 2,514 |
| Noncurrent loans to loans | 1.8446% | 2,182 |
| Net loans and leases to total assets | 55.3501% | 4,408 |
| Net loans and leases to deposits | 63.6171% | 4,542 |
| Net loans and leases to core deposits | 65.4401% | 4,740 |
| Total domestic deposits to total assets | 87.0050% | 2,722 |
| Equity capital to assets | 9.0181% | 5,016 |
| Core capital (leverage) ratio | 8.8168% | 5,250 |
| Tier 1 risk-based capital ratio | 13.8601% | 4,392 |
| Total risk-based capital ratio | 15.1117% | 4,332 |
| Memoranda: | ||
| Average total assets | $147,665,200 | 3,745 |
| Average earning assets | $134,808,000 | 3,740 |
| Average equity | $13,361,000 | 4,191 |
| Average total loans | $77,371,800 | 4,012 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 3,117 |
| Cost of funding earning assets | 0.4903% | 3,864 |
| Net interest margin | 3.7787% | 2,718 |
| Noninterest income to average assets | 0.9466% | 1,615 |
| Noninterest expense to average assets | 3.2246% | 2,286 |
| Loan and lease loss provision to assets | 0.2023% | 1,794 |
| Net operating income to assets | 0.7169% | 3,772 |
| Return on assets (ROA) | 0.7821% | 3,574 |
| Pretax return on assets | 1.0581% | 3,270 |
| Return on Equity (ROE) | 8.6367% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.6367% | 1,178 |
| Net charge-offs to loans | 0.0611% | 4,030 |
| Credit loss provision to net charge-offs | 642.8571% | 444 |
| Earnings coverage of net charge-offs (x) | 37.2535% | 1,058 |
| Efficiency ratio | 72.4596% | 3,324 |
| Assets per employee ($millions) | 3.2719% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 3,719 |
| Loan loss allowance to noncurrent loans | 82.3823% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.4990% | 2,687 |
| Noncurrent loans to loans | 1.7517% | 2,568 |
| Net loans and leases to total assets | 53.5759% | 4,679 |
| Net loans and leases to deposits | 62.1500% | 4,744 |
| Net loans and leases to core deposits | 63.7910% | 4,921 |
| Total domestic deposits to total assets | 86.2043% | 3,134 |
| Equity capital to assets | 8.9382% | 5,258 |
| Core capital (leverage) ratio | 8.7278% | 5,492 |
| Tier 1 risk-based capital ratio | 14.1303% | 4,336 |
| Total risk-based capital ratio | 15.3810% | 4,281 |
| Memoranda: | ||
| Average total assets | $148,315,500 | 3,770 |
| Average earning assets | $135,422,000 | 3,771 |
| Average equity | $13,430,750 | 4,229 |
| Average total loans | $76,331,000 | 4,078 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2011% | 3,363 |
| Cost of funding earning assets | 0.5001% | 3,899 |
| Net interest margin | 3.7011% | 2,952 |
| Noninterest income to average assets | 1.0358% | 1,421 |
| Noninterest expense to average assets | 3.1437% | 2,535 |
| Loan and lease loss provision to assets | 0.2018% | 1,880 |
| Net operating income to assets | 0.7493% | 3,573 |
| Return on assets (ROA) | 0.8058% | 3,412 |
| Pretax return on assets | 1.1461% | 2,902 |
| Return on Equity (ROE) | 8.8603% | 2,672 |
| Retained earnings to average equity (ytd only) | 8.8603% | 1,172 |
| Net charge-offs to loans | 0.0053% | 4,790 |
| Credit loss provision to net charge-offs | 7,500.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 471.0000% | 101 |
| Efficiency ratio | 70.3873% | 3,751 |
| Assets per employee ($millions) | 3.2466% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 3,849 |
| Loan loss allowance to noncurrent loans | 83.8734% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.4276% | 2,961 |
| Noncurrent loans to loans | 1.7165% | 2,739 |
| Net loans and leases to total assets | 51.0205% | 4,995 |
| Net loans and leases to deposits | 56.5413% | 5,286 |
| Net loans and leases to core deposits | 58.4739% | 5,378 |
| Total domestic deposits to total assets | 90.2358% | 893 |
| Equity capital to assets | 8.8495% | 5,389 |
| Core capital (leverage) ratio | 8.3720% | 5,803 |
| Tier 1 risk-based capital ratio | 13.7910% | 4,575 |
| Total risk-based capital ratio | 15.0356% | 4,547 |
| Memoranda: | ||
| Average total assets | $148,676,000 | 3,795 |
| Average earning assets | $135,582,670 | 3,798 |
| Average equity | $13,521,000 | 4,236 |
| Average total loans | $75,095,670 | 4,132 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 3,156 |
| Cost of funding earning assets | 0.5068% | 4,019 |
| Net interest margin | 3.7312% | 2,731 |
| Noninterest income to average assets | 0.9842% | 1,508 |
| Noninterest expense to average assets | 3.2600% | 2,186 |
| Loan and lease loss provision to assets | 0.2022% | 1,834 |
| Net operating income to assets | 0.6471% | 3,978 |
| Return on assets (ROA) | 0.6471% | 4,136 |
| Pretax return on assets | 0.9168% | 3,701 |
| Return on Equity (ROE) | 7.0209% | 3,473 |
| Retained earnings to average equity (ytd only) | 7.0209% | 2,138 |
| Net charge-offs to loans | -0.1676% | 6,636 |
| Credit loss provision to net charge-offs | -241.9355% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5837% | 3,332 |
| Assets per employee ($millions) | 3.4264% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 3,976 |
| Loan loss allowance to noncurrent loans | 76.5547% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.4619% | 3,065 |
| Noncurrent loans to loans | 1.9059% | 2,728 |
| Net loans and leases to total assets | 47.9766% | 5,229 |
| Net loans and leases to deposits | 53.4427% | 5,479 |
| Net loans and leases to core deposits | 55.2613% | 5,583 |
| Total domestic deposits to total assets | 89.7720% | 1,181 |
| Equity capital to assets | 9.0884% | 5,380 |
| Core capital (leverage) ratio | 8.3346% | 5,783 |
| Tier 1 risk-based capital ratio | 14.0639% | 4,463 |
| Total risk-based capital ratio | 15.2948% | 4,435 |
| Memoranda: | ||
| Average total assets | $148,343,000 | 3,843 |
| Average earning assets | $134,970,000 | 3,848 |
| Average equity | $13,673,500 | 4,251 |
| Average total loans | $73,989,500 | 4,201 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6520% | 2,786 |
| Cost of funding earning assets | 0.6651% | 3,784 |
| Net interest margin | 3.9869% | 2,447 |
| Noninterest income to average assets | 0.7848% | 2,331 |
| Noninterest expense to average assets | 3.5861% | 1,636 |
| Loan and lease loss provision to assets | 0.1776% | 3,405 |
| Net operating income to assets | 0.5103% | 4,642 |
| Return on assets (ROA) | 0.6961% | 4,012 |
| Pretax return on assets | 0.8452% | 4,130 |
| Return on Equity (ROE) | 7.3661% | 3,427 |
| Retained earnings to average equity (ytd only) | 5.6223% | 2,297 |
| Net charge-offs to loans | 0.2773% | 3,276 |
| Credit loss provision to net charge-offs | 122.5490% | 2,328 |
| Earnings coverage of net charge-offs (x) | 5.4951% | 3,021 |
| Efficiency ratio | 80.9076% | 2,020 |
| Assets per employee ($millions) | 3.3164% | 5,388 |
| Cash dividends to net income (ytd only)* | 23.6735% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 4,658 |
| Loan loss allowance to noncurrent loans | 62.9896% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.6536% | 2,919 |
| Noncurrent loans to loans | 2.0543% | 2,636 |
| Net loans and leases to total assets | 50.4458% | 5,107 |
| Net loans and leases to deposits | 56.1829% | 5,429 |
| Net loans and leases to core deposits | 58.1573% | 5,528 |
| Total domestic deposits to total assets | 89.7885% | 1,075 |
| Equity capital to assets | 9.3508% | 5,076 |
| Core capital (leverage) ratio | 8.4958% | 5,615 |
| Tier 1 risk-based capital ratio | 13.7217% | 4,588 |
| Total risk-based capital ratio | 14.8267% | 4,641 |
| Memoranda: | ||
| Average total assets | $140,793,000 | 3,936 |
| Average earning assets | $127,042,000 | 3,965 |
| Average equity | $13,304,200 | 4,298 |
| Average total loans | $73,553,800 | 4,221 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7180% | 2,727 |
| Cost of funding earning assets | 0.7014% | 3,757 |
| Net interest margin | 4.0166% | 2,439 |
| Noninterest income to average assets | 0.7540% | 2,457 |
| Noninterest expense to average assets | 3.6403% | 1,475 |
| Loan and lease loss provision to assets | 0.1672% | 3,444 |
| Net operating income to assets | 0.4717% | 4,952 |
| Return on assets (ROA) | 0.6652% | 4,334 |
| Pretax return on assets | 0.7942% | 4,506 |
| Return on Equity (ROE) | 7.0200% | 3,802 |
| Retained earnings to average equity (ytd only) | 7.0200% | 2,116 |
| Net charge-offs to loans | 0.2092% | 3,474 |
| Credit loss provision to net charge-offs | 152.1739% | 1,847 |
| Earnings coverage of net charge-offs (x) | 6.6521% | 2,749 |
| Efficiency ratio | 82.3349% | 1,775 |
| Assets per employee ($millions) | 3.1026% | 5,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 4,932 |
| Loan loss allowance to noncurrent loans | 53.8800% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 1.8543% | 2,856 |
| Noncurrent loans to loans | 2.3630% | 2,442 |
| Net loans and leases to total assets | 54.3734% | 4,697 |
| Net loans and leases to deposits | 61.0151% | 5,083 |
| Net loans and leases to core deposits | 63.2541% | 5,239 |
| Total domestic deposits to total assets | 89.1146% | 1,367 |
| Equity capital to assets | 9.8497% | 4,711 |
| Core capital (leverage) ratio | 8.6629% | 5,534 |
| Tier 1 risk-based capital ratio | 13.5952% | 4,825 |
| Total risk-based capital ratio | 14.7121% | 4,862 |
| Memoranda: | ||
| Average total assets | $139,510,500 | 4,000 |
| Average earning assets | $125,643,250 | 4,025 |
| Average equity | $13,219,000 | 4,354 |
| Average total loans | $73,298,000 | 4,285 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 3,081 |
| Cost of funding earning assets | 0.7253% | 3,805 |
| Net interest margin | 3.9377% | 2,756 |
| Noninterest income to average assets | 0.9063% | 1,761 |
| Noninterest expense to average assets | 3.8459% | 1,147 |
| Loan and lease loss provision to assets | 0.1075% | 4,179 |
| Net operating income to assets | 0.4909% | 4,859 |
| Return on assets (ROA) | 0.5721% | 4,763 |
| Pretax return on assets | 0.5951% | 5,156 |
| Return on Equity (ROE) | 6.1190% | 4,265 |
| Retained earnings to average equity (ytd only) | 6.1190% | 2,639 |
| Net charge-offs to loans | 0.2302% | 3,188 |
| Credit loss provision to net charge-offs | 90.3614% | 3,038 |
| Earnings coverage of net charge-offs (x) | 5.1928% | 2,888 |
| Efficiency ratio | 85.2233% | 1,509 |
| Assets per employee ($millions) | 3.0301% | 6,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 5,273 |
| Loan loss allowance to noncurrent loans | 67.9851% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.7721% | 3,076 |
| Noncurrent loans to loans | 1.7936% | 3,227 |
| Net loans and leases to total assets | 52.9454% | 4,969 |
| Net loans and leases to deposits | 59.1453% | 5,317 |
| Net loans and leases to core deposits | 61.3052% | 5,459 |
| Total domestic deposits to total assets | 89.5175% | 1,211 |
| Equity capital to assets | 9.5720% | 4,947 |
| Core capital (leverage) ratio | 8.4493% | 5,713 |
| Tier 1 risk-based capital ratio | 13.2151% | 5,022 |
| Total risk-based capital ratio | 14.2524% | 5,162 |
| Memoranda: | ||
| Average total assets | $139,474,670 | 4,022 |
| Average earning assets | $126,012,330 | 4,031 |
| Average equity | $13,041,330 | 4,386 |
| Average total loans | $72,099,330 | 4,345 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 3,666 |
| Cost of funding earning assets | 0.7626% | 3,768 |
| Net interest margin | 3.8002% | 3,393 |
| Noninterest income to average assets | 0.8486% | 1,951 |
| Noninterest expense to average assets | 3.6927% | 1,386 |
| Loan and lease loss provision to assets | 0.2150% | 2,800 |
| Net operating income to assets | 0.3444% | 5,494 |
| Return on assets (ROA) | 0.5017% | 5,036 |
| Pretax return on assets | 0.5390% | 5,319 |
| Return on Equity (ROE) | 5.4301% | 4,578 |
| Retained earnings to average equity (ytd only) | 5.4301% | 3,300 |
| Net charge-offs to loans | 0.4972% | 1,848 |
| Credit loss provision to net charge-offs | 85.2273% | 2,633 |
| Earnings coverage of net charge-offs (x) | 2.3182% | 3,242 |
| Efficiency ratio | 85.3887% | 1,538 |
| Assets per employee ($millions) | 3.1482% | 5,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 5,010 |
| Loan loss allowance to noncurrent loans | 67.1609% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.7936% | 3,181 |
| Noncurrent loans to loans | 1.9392% | 3,237 |
| Net loans and leases to total assets | 48.4637% | 5,496 |
| Net loans and leases to deposits | 54.0176% | 5,806 |
| Net loans and leases to core deposits | 55.9501% | 5,909 |
| Total domestic deposits to total assets | 89.7183% | 1,234 |
| Equity capital to assets | 9.1142% | 5,336 |
| Core capital (leverage) ratio | 8.2346% | 5,974 |
| Tier 1 risk-based capital ratio | 13.3272% | 4,950 |
| Total risk-based capital ratio | 14.3894% | 5,076 |
| Memoranda: | ||
| Average total assets | $139,519,500 | 4,044 |
| Average earning assets | $125,888,500 | 4,062 |
| Average equity | $12,891,000 | 4,423 |
| Average total loans | $70,794,500 | 4,421 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0222% | 2,788 |
| Cost of funding earning assets | 0.9105% | 4,048 |
| Net interest margin | 4.1117% | 2,381 |
| Noninterest income to average assets | 0.8181% | 1,973 |
| Noninterest expense to average assets | 3.4667% | 2,072 |
| Loan and lease loss provision to assets | 0.2634% | 3,585 |
| Net operating income to assets | 0.6737% | 3,610 |
| Return on assets (ROA) | 0.7715% | 3,330 |
| Pretax return on assets | 0.9032% | 3,599 |
| Return on Equity (ROE) | 8.4078% | 2,713 |
| Retained earnings to average equity (ytd only) | 6.5048% | 1,733 |
| Net charge-offs to loans | 0.4942% | 3,019 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 3.9971% | 3,308 |
| Efficiency ratio | 75.7535% | 2,920 |
| Assets per employee ($millions) | 3.0527% | 5,985 |
| Cash dividends to net income (ytd only)* | 22.6341% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 5,037 |
| Loan loss allowance to noncurrent loans | 81.4716% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.2994% | 4,044 |
| Noncurrent loans to loans | 1.5661% | 3,811 |
| Net loans and leases to total assets | 51.7624% | 5,346 |
| Net loans and leases to deposits | 57.9492% | 5,701 |
| Net loans and leases to core deposits | 61.2782% | 5,726 |
| Total domestic deposits to total assets | 89.3237% | 1,349 |
| Equity capital to assets | 9.3689% | 5,064 |
| Core capital (leverage) ratio | 8.4106% | 5,701 |
| Tier 1 risk-based capital ratio | 13.0383% | 5,037 |
| Total risk-based capital ratio | 14.1103% | 5,166 |
| Memoranda: | ||
| Average total assets | $132,865,400 | 4,108 |
| Average earning assets | $119,609,200 | 4,140 |
| Average equity | $12,191,000 | 4,507 |
| Average total loans | $70,820,200 | 4,458 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 3,092 |
| Cost of funding earning assets | 0.9401% | 4,111 |
| Net interest margin | 4.0582% | 2,656 |
| Noninterest income to average assets | 0.8653% | 1,774 |
| Noninterest expense to average assets | 3.6151% | 1,674 |
| Loan and lease loss provision to assets | 0.2530% | 3,477 |
| Net operating income to assets | 0.5095% | 4,510 |
| Return on assets (ROA) | 0.6174% | 4,191 |
| Pretax return on assets | 0.7833% | 4,192 |
| Return on Equity (ROE) | 6.7656% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.7656% | 2,102 |
| Net charge-offs to loans | 0.6693% | 2,239 |
| Credit loss provision to net charge-offs | 70.6215% | 4,463 |
| Earnings coverage of net charge-offs (x) | 2.5198% | 3,871 |
| Efficiency ratio | 79.0547% | 2,401 |
| Assets per employee ($millions) | 2.9855% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 5,793 |
| Loan loss allowance to noncurrent loans | 72.1239% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5423% | 3,778 |
| Noncurrent loans to loans | 1.5583% | 3,952 |
| Net loans and leases to total assets | 54.5827% | 5,073 |
| Net loans and leases to deposits | 61.3084% | 5,476 |
| Net loans and leases to core deposits | 65.0370% | 5,517 |
| Total domestic deposits to total assets | 89.0297% | 1,418 |
| Equity capital to assets | 9.7310% | 4,730 |
| Core capital (leverage) ratio | 8.3441% | 5,922 |
| Tier 1 risk-based capital ratio | 12.7954% | 5,253 |
| Total risk-based capital ratio | 13.7574% | 5,476 |
| Memoranda: | ||
| Average total assets | $131,739,250 | 4,158 |
| Average earning assets | $118,571,750 | 4,192 |
| Average equity | $12,021,250 | 4,565 |
| Average total loans | $70,519,000 | 4,506 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9018% | 3,613 |
| Cost of funding earning assets | 0.9568% | 4,271 |
| Net interest margin | 3.9450% | 3,107 |
| Noninterest income to average assets | 0.8842% | 1,699 |
| Noninterest expense to average assets | 3.5916% | 1,761 |
| Loan and lease loss provision to assets | 0.3033% | 2,981 |
| Net operating income to assets | 0.4921% | 4,534 |
| Return on assets (ROA) | 0.5399% | 4,472 |
| Pretax return on assets | 0.5946% | 4,756 |
| Return on Equity (ROE) | 6.0507% | 3,942 |
| Retained earnings to average equity (ytd only) | 6.0507% | 2,395 |
| Net charge-offs to loans | 1.1252% | 1,394 |
| Credit loss provision to net charge-offs | 50.8906% | 4,561 |
| Earnings coverage of net charge-offs (x) | 1.4173% | 4,222 |
| Efficiency ratio | 79.9658% | 2,393 |
| Assets per employee ($millions) | 2.8398% | 6,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 6,168 |
| Loan loss allowance to noncurrent loans | 65.7609% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.5739% | 3,837 |
| Noncurrent loans to loans | 1.5882% | 4,014 |
| Net loans and leases to total assets | 52.6560% | 5,482 |
| Net loans and leases to deposits | 58.8248% | 5,845 |
| Net loans and leases to core deposits | 62.3951% | 5,867 |
| Total domestic deposits to total assets | 89.5132% | 1,230 |
| Equity capital to assets | 9.3584% | 5,056 |
| Core capital (leverage) ratio | 8.2055% | 6,024 |
| Tier 1 risk-based capital ratio | 12.7277% | 5,154 |
| Total risk-based capital ratio | 13.6030% | 5,451 |
| Memoranda: | ||
| Average total assets | $131,864,330 | 4,187 |
| Average earning assets | $118,732,000 | 4,216 |
| Average equity | $11,767,330 | 4,624 |
| Average total loans | $69,853,000 | 4,581 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 3,756 |
| Cost of funding earning assets | 0.9713% | 4,414 |
| Net interest margin | 3.8921% | 3,181 |
| Noninterest income to average assets | 0.8514% | 1,848 |
| Noninterest expense to average assets | 3.5507% | 1,875 |
| Loan and lease loss provision to assets | 0.4529% | 1,946 |
| Net operating income to assets | 0.3502% | 5,174 |
| Return on assets (ROA) | 0.3563% | 5,220 |
| Pretax return on assets | 0.3623% | 5,466 |
| Return on Equity (ROE) | 4.0907% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.0907% | 3,708 |
| Net charge-offs to loans | 1.7365% | 757 |
| Credit loss provision to net charge-offs | 49.3421% | 3,768 |
| Earnings coverage of net charge-offs (x) | 0.8816% | 3,985 |
| Efficiency ratio | 80.4709% | 2,445 |
| Assets per employee ($millions) | 2.8136% | 6,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 5,973 |
| Loan loss allowance to noncurrent loans | 48.3565% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 1.6901% | 3,716 |
| Noncurrent loans to loans | 2.3139% | 3,173 |
| Net loans and leases to total assets | 51.1230% | 5,702 |
| Net loans and leases to deposits | 56.8052% | 6,053 |
| Net loans and leases to core deposits | 61.2769% | 5,992 |
| Total domestic deposits to total assets | 89.9970% | 1,150 |
| Equity capital to assets | 8.9050% | 5,336 |
| Core capital (leverage) ratio | 7.9120% | 6,353 |
| Tier 1 risk-based capital ratio | 12.6199% | 5,143 |
| Total risk-based capital ratio | 13.5430% | 5,437 |
| Memoranda: | ||
| Average total assets | $132,481,000 | 4,200 |
| Average earning assets | $119,422,500 | 4,232 |
| Average equity | $11,538,500 | 4,654 |
| Average total loans | $70,024,000 | 4,619 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4840% | 2,351 |
| Cost of funding earning assets | 1.2155% | 4,453 |
| Net interest margin | 4.2685% | 1,924 |
| Noninterest income to average assets | 0.8962% | 1,860 |
| Noninterest expense to average assets | 3.5889% | 1,951 |
| Loan and lease loss provision to assets | 0.4130% | 3,628 |
| Net operating income to assets | 0.6415% | 3,479 |
| Return on assets (ROA) | 0.7053% | 3,335 |
| Pretax return on assets | 0.8012% | 3,629 |
| Return on Equity (ROE) | 7.9845% | 2,703 |
| Retained earnings to average equity (ytd only) | 5.9377% | 1,850 |
| Net charge-offs to loans | 0.4663% | 3,752 |
| Credit loss provision to net charge-offs | 153.1792% | 2,329 |
| Earnings coverage of net charge-offs (x) | 4.2341% | 3,007 |
| Efficiency ratio | 74.9259% | 3,220 |
| Assets per employee ($millions) | 3.0164% | 6,066 |
| Cash dividends to net income (ytd only)* | 25.6354% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 5,093 |
| Loan loss allowance to noncurrent loans | 47.7899% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 1.9228% | 3,446 |
| Noncurrent loans to loans | 2.6828% | 2,839 |
| Net loans and leases to total assets | 53.3137% | 5,733 |
| Net loans and leases to deposits | 58.9290% | 6,161 |
| Net loans and leases to core deposits | 65.9881% | 5,874 |
| Total domestic deposits to total assets | 90.4711% | 850 |
| Equity capital to assets | 8.5148% | 5,840 |
| Core capital (leverage) ratio | 7.9140% | 6,302 |
| Tier 1 risk-based capital ratio | 12.0773% | 5,405 |
| Total risk-based capital ratio | 13.1519% | 5,546 |
| Memoranda: | ||
| Average total assets | $128,313,800 | 4,310 |
| Average earning assets | $115,262,200 | 4,336 |
| Average equity | $11,334,400 | 4,781 |
| Average total loans | $74,196,200 | 4,519 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5397% | 2,291 |
| Cost of funding earning assets | 1.2702% | 4,440 |
| Net interest margin | 4.2695% | 1,956 |
| Noninterest income to average assets | 0.9297% | 1,691 |
| Noninterest expense to average assets | 3.5310% | 1,960 |
| Loan and lease loss provision to assets | 0.3249% | 3,988 |
| Net operating income to assets | 0.6530% | 3,629 |
| Return on assets (ROA) | 0.7232% | 3,460 |
| Pretax return on assets | 1.0041% | 3,170 |
| Return on Equity (ROE) | 8.1107% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.1107% | 1,388 |
| Net charge-offs to loans | 0.5559% | 3,087 |
| Credit loss provision to net charge-offs | 99.3590% | 4,389 |
| Earnings coverage of net charge-offs (x) | 3.7660% | 3,304 |
| Efficiency ratio | 73.1954% | 3,483 |
| Assets per employee ($millions) | 2.9589% | 6,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 6,462 |
| Loan loss allowance to noncurrent loans | 37.4744% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 2.1199% | 3,305 |
| Noncurrent loans to loans | 2.6290% | 2,996 |
| Net loans and leases to total assets | 56.5849% | 5,469 |
| Net loans and leases to deposits | 63.0874% | 6,016 |
| Net loans and leases to core deposits | 70.8806% | 5,658 |
| Total domestic deposits to total assets | 89.6929% | 1,022 |
| Equity capital to assets | 9.1795% | 5,337 |
| Core capital (leverage) ratio | 8.2065% | 6,025 |
| Tier 1 risk-based capital ratio | 12.0039% | 5,461 |
| Total risk-based capital ratio | 12.8548% | 5,817 |
| Memoranda: | ||
| Average total assets | $127,211,750 | 4,387 |
| Average earning assets | $114,203,000 | 4,425 |
| Average equity | $11,342,750 | 4,850 |
| Average total loans | $74,825,750 | 4,572 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5889% | 2,178 |
| Cost of funding earning assets | 1.3277% | 4,360 |
| Net interest margin | 4.2611% | 1,919 |
| Noninterest income to average assets | 0.8414% | 1,918 |
| Noninterest expense to average assets | 3.5843% | 1,824 |
| Loan and lease loss provision to assets | 0.4041% | 3,295 |
| Net operating income to assets | 0.4643% | 4,490 |
| Return on assets (ROA) | 0.4976% | 4,494 |
| Pretax return on assets | 0.7146% | 4,181 |
| Return on Equity (ROE) | 5.6373% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.6373% | 2,537 |
| Net charge-offs to loans | 0.3922% | 3,407 |
| Credit loss provision to net charge-offs | 173.4694% | 2,251 |
| Earnings coverage of net charge-offs (x) | 4.5986% | 2,903 |
| Efficiency ratio | 76.0041% | 3,079 |
| Assets per employee ($millions) | 2.8772% | 6,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,847 |
| Loan loss allowance to noncurrent loans | 38.2486% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 2.3026% | 3,129 |
| Noncurrent loans to loans | 2.9291% | 2,731 |
| Net loans and leases to total assets | 58.7717% | 5,288 |
| Net loans and leases to deposits | 65.4181% | 5,878 |
| Net loans and leases to core deposits | 73.3957% | 5,511 |
| Total domestic deposits to total assets | 89.8400% | 997 |
| Equity capital to assets | 8.9324% | 5,552 |
| Core capital (leverage) ratio | 7.9616% | 6,313 |
| Tier 1 risk-based capital ratio | 11.5386% | 5,726 |
| Total risk-based capital ratio | 12.5173% | 5,964 |
| Memoranda: | ||
| Average total assets | $126,218,330 | 4,438 |
| Average earning assets | $112,974,670 | 4,480 |
| Average equity | $11,140,000 | 4,892 |
| Average total loans | $74,967,000 | 4,603 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6192% | 2,076 |
| Cost of funding earning assets | 1.3995% | 4,174 |
| Net interest margin | 4.2197% | 1,963 |
| Noninterest income to average assets | 0.8950% | 1,646 |
| Noninterest expense to average assets | 3.6690% | 1,574 |
| Loan and lease loss provision to assets | 0.0793% | 5,850 |
| Net operating income to assets | 0.6840% | 3,505 |
| Return on assets (ROA) | 0.6982% | 3,559 |
| Pretax return on assets | 0.9363% | 3,323 |
| Return on Equity (ROE) | 7.9595% | 2,901 |
| Retained earnings to average equity (ytd only) | 7.9595% | 1,722 |
| Net charge-offs to loans | 0.0695% | 4,717 |
| Credit loss provision to net charge-offs | 192.3077% | 1,922 |
| Earnings coverage of net charge-offs (x) | 24.1538% | 1,031 |
| Efficiency ratio | 77.6871% | 2,946 |
| Assets per employee ($millions) | 2.8632% | 6,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 6,470 |
| Loan loss allowance to noncurrent loans | 49.2744% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 1.9781% | 3,528 |
| Noncurrent loans to loans | 2.0306% | 3,741 |
| Net loans and leases to total assets | 58.6671% | 5,326 |
| Net loans and leases to deposits | 65.0731% | 5,932 |
| Net loans and leases to core deposits | 73.0192% | 5,609 |
| Total domestic deposits to total assets | 90.1557% | 914 |
| Equity capital to assets | 8.8886% | 5,423 |
| Core capital (leverage) ratio | 7.8618% | 6,424 |
| Tier 1 risk-based capital ratio | 11.4596% | 5,713 |
| Total risk-based capital ratio | 12.3294% | 6,053 |
| Memoranda: | ||
| Average total assets | $126,030,000 | 4,499 |
| Average earning assets | $112,613,500 | 4,551 |
| Average equity | $11,056,000 | 4,964 |
| Average total loans | $74,828,000 | 4,686 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0379% | 1,720 |
| Cost of funding earning assets | 1.8155% | 3,909 |
| Net interest margin | 4.2223% | 1,999 |
| Noninterest income to average assets | 0.9614% | 1,697 |
| Noninterest expense to average assets | 4.0555% | 1,295 |
| Loan and lease loss provision to assets | 0.4823% | 3,954 |
| Net operating income to assets | 0.2066% | 4,881 |
| Return on assets (ROA) | 0.5190% | 3,746 |
| Pretax return on assets | 0.5373% | 4,087 |
| Return on Equity (ROE) | 5.7982% | 3,294 |
| Retained earnings to average equity (ytd only) | 4.0436% | 2,387 |
| Net charge-offs to loans | 0.7803% | 2,873 |
| Credit loss provision to net charge-offs | 101.1706% | 5,454 |
| Earnings coverage of net charge-offs (x) | 1.4632% | 4,665 |
| Efficiency ratio | 84.3677% | 2,306 |
| Assets per employee ($millions) | 2.7408% | 6,780 |
| Cash dividends to net income (ytd only)* | 30.2611% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 6,488 |
| Loan loss allowance to noncurrent loans | 46.4896% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 2.0281% | 3,364 |
| Noncurrent loans to loans | 2.1080% | 3,503 |
| Net loans and leases to total assets | 58.9032% | 5,503 |
| Net loans and leases to deposits | 65.3917% | 6,124 |
| Net loans and leases to core deposits | 80.8615% | 6,009 |
| Total domestic deposits to total assets | 90.0776% | 922 |
| Equity capital to assets | 8.6565% | 5,649 |
| Core capital (leverage) ratio | 7.7515% | 6,499 |
| Tier 1 risk-based capital ratio | 11.1058% | 5,823 |
| Total risk-based capital ratio | 11.9555% | 6,181 |
| Memoranda: | ||
| Average total assets | $125,435,800 | 4,437 |
| Average earning assets | $112,639,000 | 4,491 |
| Average equity | $11,227,600 | 4,964 |
| Average total loans | $76,638,200 | 4,634 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0940% | 1,668 |
| Cost of funding earning assets | 1.8801% | 3,985 |
| Net interest margin | 4.2139% | 1,997 |
| Noninterest income to average assets | 0.9493% | 1,783 |
| Noninterest expense to average assets | 3.9900% | 1,286 |
| Loan and lease loss provision to assets | 0.1118% | 6,250 |
| Net operating income to assets | 0.4654% | 4,141 |
| Return on assets (ROA) | 0.6088% | 3,631 |
| Pretax return on assets | 0.8270% | 3,453 |
| Return on Equity (ROE) | 6.7455% | 3,186 |
| Retained earnings to average equity (ytd only) | 6.7455% | 1,610 |
| Net charge-offs to loans | 0.1973% | 4,832 |
| Credit loss provision to net charge-offs | 92.1053% | 5,427 |
| Earnings coverage of net charge-offs (x) | 6.1402% | 2,659 |
| Efficiency ratio | 83.2996% | 2,390 |
| Assets per employee ($millions) | 2.7252% | 6,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 6,668 |
| Loan loss allowance to noncurrent loans | 50.4561% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 1.8140% | 3,633 |
| Noncurrent loans to loans | 1.8263% | 3,879 |
| Net loans and leases to total assets | 61.6688% | 5,293 |
| Net loans and leases to deposits | 69.0219% | 6,027 |
| Net loans and leases to core deposits | 86.8473% | 5,777 |
| Total domestic deposits to total assets | 89.3467% | 1,042 |
| Equity capital to assets | 9.1704% | 5,218 |
| Core capital (leverage) ratio | 8.1829% | 6,049 |
| Tier 1 risk-based capital ratio | 11.3774% | 5,559 |
| Total risk-based capital ratio | 12.2022% | 5,959 |
| Memoranda: | ||
| Average total assets | $125,275,250 | 4,469 |
| Average earning assets | $112,545,750 | 4,528 |
| Average equity | $11,306,000 | 4,981 |
| Average total loans | $77,048,000 | 4,658 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0759% | 1,876 |
| Cost of funding earning assets | 1.9569% | 3,968 |
| Net interest margin | 4.1190% | 2,256 |
| Noninterest income to average assets | 0.9166% | 1,909 |
| Noninterest expense to average assets | 4.2476% | 1,013 |
| Loan and lease loss provision to assets | 0.0798% | 6,390 |
| Net operating income to assets | 0.2450% | 5,107 |
| Return on assets (ROA) | 0.3944% | 4,643 |
| Pretax return on assets | 0.4391% | 4,831 |
| Return on Equity (ROE) | 4.3940% | 4,343 |
| Retained earnings to average equity (ytd only) | 4.3940% | 2,855 |
| Net charge-offs to loans | 0.0834% | 5,371 |
| Credit loss provision to net charge-offs | 156.2500% | 2,944 |
| Earnings coverage of net charge-offs (x) | 6.9063% | 2,530 |
| Efficiency ratio | 91.3225% | 1,694 |
| Assets per employee ($millions) | 2.7206% | 6,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 6,540 |
| Loan loss allowance to noncurrent loans | 41.3755% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 2.0094% | 3,185 |
| Noncurrent loans to loans | 2.3017% | 3,134 |
| Net loans and leases to total assets | 63.3759% | 5,107 |
| Net loans and leases to deposits | 70.3689% | 5,945 |
| Net loans and leases to core deposits | 88.3439% | 5,689 |
| Total domestic deposits to total assets | 90.0625% | 805 |
| Equity capital to assets | 8.6935% | 5,762 |
| Core capital (leverage) ratio | 7.6196% | 6,871 |
| Tier 1 risk-based capital ratio | 10.7826% | 6,109 |
| Total risk-based capital ratio | 11.6419% | 6,428 |
| Memoranda: | ||
| Average total assets | $125,247,000 | 4,502 |
| Average earning assets | $112,016,330 | 4,573 |
| Average equity | $11,242,670 | 5,017 |
| Average total loans | $76,721,670 | 4,712 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4981% | 4,922 |
| Cost of funding earning assets | 2.0967% | 3,668 |
| Net interest margin | 3.4013% | 5,136 |
| Noninterest income to average assets | 0.3781% | 5,402 |
| Noninterest expense to average assets | 2.5571% | 5,620 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6736% | 3,693 |
| Return on assets (ROA) | 0.6736% | 3,876 |
| Pretax return on assets | 0.8317% | 3,966 |
| Return on Equity (ROE) | 6.9994% | 3,596 |
| Retained earnings to average equity (ytd only) | 6.9994% | 2,208 |
| Net charge-offs to loans | 0.4056% | 2,482 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.4571% | 3,171 |
| Efficiency ratio | 75.4564% | 3,572 |
| Assets per employee ($millions) | 3.4158% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 6,680 |
| Loan loss allowance to noncurrent loans | 32.8571% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 1.6876% | 3,393 |
| Noncurrent loans to loans | 2.7826% | 2,358 |
| Net loans and leases to total assets | 60.0957% | 5,634 |
| Net loans and leases to deposits | 66.6877% | 6,313 |
| Net loans and leases to core deposits | 92.7865% | 5,279 |
| Total domestic deposits to total assets | 90.1152% | 744 |
| Equity capital to assets | 7.9664% | 6,859 |
| Core capital (leverage) ratio | 8.2918% | 5,918 |
| Tier 1 risk-based capital ratio | 11.9943% | 4,970 |
| Total risk-based capital ratio | 12.8034% | 5,254 |
| Memoranda: | ||
| Average total assets | $58,192,000 | 6,538 |
| Average earning assets | $51,509,000 | 6,596 |
| Average equity | $5,600,500 | 6,917 |
| Average total loans | $34,515,500 | 6,520 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3662% | 8,289 |
| Cost of funding earning assets | 0.1488% | 8,253 |
| Net interest margin | 0.2174% | 8,288 |
| Noninterest income to average assets | 0.0264% | 8,001 |
| Noninterest expense to average assets | 0.3117% | 8,276 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.0493% | 6,444 |
| Return on assets (ROA) | -0.0493% | 6,293 |
| Pretax return on assets | -0.0898% | 6,259 |
| Return on Equity (ROE) | -0.3873% | 6,283 |
| Retained earnings to average equity (ytd only) | -0.3873% | 5,402 |
| Net charge-offs to loans | -0.0032% | 7,764 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.4762% | 400 |
| Assets per employee ($millions) | 3.2397% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 5,574 |
| Loan loss allowance to noncurrent loans | 63.0742% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 4,408 |
| Noncurrent loans to loans | 1.6740% | 3,262 |
| Net loans and leases to total assets | 57.3695% | 6,294 |
| Net loans and leases to deposits | 66.3447% | 6,616 |
| Net loans and leases to core deposits | 94.9725% | 5,354 |
| Total domestic deposits to total assets | 86.4717% | 2,183 |
| Equity capital to assets | 11.2750% | 2,826 |
| Core capital (leverage) ratio | 11.6649% | 2,145 |
| Tier 1 risk-based capital ratio | 17.3104% | 2,228 |
| Total risk-based capital ratio | 18.2413% | 2,264 |
| Memoranda: | ||
| Average total assets | $56,788,600 | 6,502 |
| Average earning assets | $51,060,400 | 6,552 |
| Average equity | $7,228,800 | 6,371 |
| Average total loans | $31,300,800 | 6,637 |