Home > The Hardin County Bank > Performance and Condition Ratios
The Hardin County 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 | 5.4851% | 1,181 |
| Cost of funding earning assets | 1.6208% | 1,636 |
| Net interest margin | 3.8643% | 1,452 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.5734% | 2,089 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.2081% | 1,633 |
| Return on assets (ROA) | 1.1848% | 1,662 |
| Pretax return on assets | 1.4594% | 1,510 |
| Return on Equity (ROE) | 14.2300% | 1,437 |
| Retained earnings to average equity (ytd only) | 6.1578% | 2,185 |
| Net charge-offs to loans | 0.1972% | 544 |
| Credit loss provision to net charge-offs | 62.8272% | 2,132 |
| Earnings coverage of net charge-offs (x) | 9.9026% | 2,263 |
| Efficiency ratio | 61.7058% | 2,873 |
| Assets per employee ($millions) | 6.3656% | 2,501 |
| Cash dividends to net income (ytd only)* | 56.7215% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,209 |
| Loan loss allowance to noncurrent loans | 128.3931% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.6699% | 791 |
| Noncurrent loans to loans | 0.7945% | 978 |
| Net loans and leases to total assets | 80.0900% | 632 |
| Net loans and leases to deposits | 89.4016% | 1,315 |
| Net loans and leases to core deposits | 103.4521% | 1,248 |
| Total domestic deposits to total assets | 89.5900% | 879 |
| Equity capital to assets | 8.7339% | 2,881 |
| Core capital (leverage) ratio | 10.2415% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $595,194,000 | 1,490 |
| Average earning assets | $555,156,400 | 1,480 |
| Average equity | $49,563,200 | 1,622 |
| Average total loans | $484,337,800 | 1,265 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3436% | 1,222 |
| Cost of funding earning assets | 1.4843% | 1,656 |
| Net interest margin | 3.8592% | 1,479 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.5716% | 2,027 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.2950% | 1,562 |
| Return on assets (ROA) | 1.2950% | 1,546 |
| Pretax return on assets | 1.5640% | 1,424 |
| Return on Equity (ROE) | 15.7400% | 1,299 |
| Retained earnings to average equity (ytd only) | 15.7392% | 485 |
| Net charge-offs to loans | 0.0203% | 1,712 |
| Credit loss provision to net charge-offs | 608.1081% | 552 |
| Earnings coverage of net charge-offs (x) | 100.8108% | 913 |
| Efficiency ratio | 60.5920% | 2,901 |
| Assets per employee ($millions) | 6.3540% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 2,641 |
| Loan loss allowance to noncurrent loans | 111.9718% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.8688% | 624 |
| Noncurrent loans to loans | 1.0238% | 788 |
| Net loans and leases to total assets | 81.2100% | 511 |
| Net loans and leases to deposits | 90.5581% | 1,193 |
| Net loans and leases to core deposits | 105.7023% | 1,031 |
| Total domestic deposits to total assets | 89.6800% | 1,023 |
| Equity capital to assets | 8.5082% | 2,728 |
| Core capital (leverage) ratio | 10.5913% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $597,583,750 | 1,484 |
| Average earning assets | $557,368,000 | 1,472 |
| Average equity | $49,166,750 | 1,618 |
| Average total loans | $486,951,000 | 1,255 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1974% | 1,215 |
| Cost of funding earning assets | 1.3539% | 1,572 |
| Net interest margin | 3.8435% | 1,536 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 2.5732% | 1,995 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.2904% | 1,594 |
| Return on assets (ROA) | 1.2904% | 1,578 |
| Pretax return on assets | 1.7362% | 1,140 |
| Return on Equity (ROE) | 15.8600% | 1,289 |
| Retained earnings to average equity (ytd only) | 15.8617% | 487 |
| Net charge-offs to loans | -0.0012% | 3,465 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.2426% | 3,164 |
| Assets per employee ($millions) | 6.3324% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 2,758 |
| Loan loss allowance to noncurrent loans | 115.7673% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 615 |
| Noncurrent loans to loans | 0.9838% | 772 |
| Net loans and leases to total assets | 80.0900% | 616 |
| Net loans and leases to deposits | 89.1982% | 1,246 |
| Net loans and leases to core deposits | 103.6603% | 1,065 |
| Total domestic deposits to total assets | 89.7900% | 982 |
| Equity capital to assets | 8.5124% | 2,852 |
| Core capital (leverage) ratio | 10.2043% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $599,803,333 | 1,473 |
| Average earning assets | $559,703,000 | 1,461 |
| Average equity | $48,796,667 | 1,626 |
| Average total loans | $487,447,000 | 1,239 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0338% | 1,168 |
| Cost of funding earning assets | 1.1177% | 1,704 |
| Net interest margin | 3.9161% | 1,445 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.5751% | 2,026 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.1221% | 2,157 |
| Return on assets (ROA) | 1.1221% | 2,122 |
| Pretax return on assets | 1.5141% | 1,643 |
| Return on Equity (ROE) | 14.1200% | 1,754 |
| Retained earnings to average equity (ytd only) | 14.1162% | 924 |
| Net charge-offs to loans | -0.0016% | 3,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.3640% | 2,769 |
| Assets per employee ($millions) | 6.1654% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 3,120 |
| Loan loss allowance to noncurrent loans | 138.1889% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.7577% | 635 |
| Noncurrent loans to loans | 0.7868% | 977 |
| Net loans and leases to total assets | 80.4200% | 503 |
| Net loans and leases to deposits | 90.9074% | 984 |
| Net loans and leases to core deposits | 103.1987% | 957 |
| Total domestic deposits to total assets | 88.4600% | 1,752 |
| Equity capital to assets | 8.1407% | 3,147 |
| Core capital (leverage) ratio | 9.8639% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $602,081,500 | 1,495 |
| Average earning assets | $561,881,500 | 1,483 |
| Average equity | $47,860,000 | 1,664 |
| Average total loans | $490,053,500 | 1,251 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 638 |
| Cost of funding earning assets | 0.5761% | 990 |
| Net interest margin | 3.9939% | 794 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.4501% | 2,268 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.2572% | 1,577 |
| Return on assets (ROA) | 1.2575% | 1,520 |
| Pretax return on assets | 1.5395% | 1,327 |
| Return on Equity (ROE) | 15.1100% | 1,230 |
| Retained earnings to average equity (ytd only) | 7.0840% | 2,206 |
| Net charge-offs to loans | 0.0206% | 1,678 |
| Credit loss provision to net charge-offs | 567.0103% | 629 |
| Earnings coverage of net charge-offs (x) | 100.7010% | 972 |
| Efficiency ratio | 59.9157% | 3,066 |
| Assets per employee ($millions) | 6.4511% | 2,380 |
| Cash dividends to net income (ytd only)* | 53.1138% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,075 |
| Loan loss allowance to noncurrent loans | 130.5080% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.7666% | 617 |
| Noncurrent loans to loans | 0.8133% | 911 |
| Net loans and leases to total assets | 80.6200% | 533 |
| Net loans and leases to deposits | 89.4556% | 1,092 |
| Net loans and leases to core deposits | 100.3860% | 983 |
| Total domestic deposits to total assets | 90.1300% | 1,303 |
| Equity capital to assets | 7.7561% | 3,214 |
| Core capital (leverage) ratio | 9.3453% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $598,880,200 | 1,487 |
| Average earning assets | $558,031,000 | 1,481 |
| Average equity | $49,844,600 | 1,629 |
| Average total loans | $470,883,400 | 1,229 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 545 |
| Cost of funding earning assets | 0.4920% | 777 |
| Net interest margin | 3.9445% | 713 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.4008% | 2,322 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.3160% | 1,301 |
| Return on assets (ROA) | 1.3163% | 1,271 |
| Pretax return on assets | 1.5798% | 1,173 |
| Return on Equity (ROE) | 15.5500% | 1,071 |
| Retained earnings to average equity (ytd only) | 15.5505% | 317 |
| Net charge-offs to loans | 0.0020% | 2,216 |
| Credit loss provision to net charge-offs | 6,428.5714% | 87 |
| Earnings coverage of net charge-offs (x) | 1,077.2857% | 138 |
| Efficiency ratio | 58.7172% | 3,296 |
| Assets per employee ($millions) | 6.6322% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 3,117 |
| Loan loss allowance to noncurrent loans | 130.9151% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 679 |
| Noncurrent loans to loans | 0.8233% | 965 |
| Net loans and leases to total assets | 77.0700% | 795 |
| Net loans and leases to deposits | 84.8568% | 1,244 |
| Net loans and leases to core deposits | 93.8044% | 1,107 |
| Total domestic deposits to total assets | 90.8200% | 1,310 |
| Equity capital to assets | 7.8282% | 3,002 |
| Core capital (leverage) ratio | 9.6033% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $598,612,750 | 1,493 |
| Average earning assets | $557,762,000 | 1,491 |
| Average equity | $50,672,500 | 1,634 |
| Average total loans | $466,382,250 | 1,237 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3367% | 500 |
| Cost of funding earning assets | 0.4556% | 672 |
| Net interest margin | 3.8810% | 634 |
| Noninterest income to average assets | 0.4827% | 2,295 |
| Noninterest expense to average assets | 2.3701% | 2,334 |
| Loan and lease loss provision to assets | 0.1013% | 987 |
| Net operating income to assets | 1.2048% | 1,410 |
| Return on assets (ROA) | 1.2053% | 1,391 |
| Pretax return on assets | 1.6259% | 892 |
| Return on Equity (ROE) | 13.8764% | 1,146 |
| Retained earnings to average equity (ytd only) | 13.8764% | 373 |
| Net charge-offs to loans | 0.0074% | 1,725 |
| Credit loss provision to net charge-offs | 1,764.7059% | 266 |
| Earnings coverage of net charge-offs (x) | 300.8824% | 405 |
| Efficiency ratio | 57.7326% | 3,594 |
| Assets per employee ($millions) | 6.3980% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,447 |
| Loan loss allowance to noncurrent loans | 126.5507% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 669 |
| Noncurrent loans to loans | 0.8171% | 1,055 |
| Net loans and leases to total assets | 79.8663% | 416 |
| Net loans and leases to deposits | 88.2223% | 822 |
| Net loans and leases to core deposits | 96.7146% | 803 |
| Total domestic deposits to total assets | 90.5285% | 1,452 |
| Equity capital to assets | 8.0949% | 3,043 |
| Core capital (leverage) ratio | 9.5331% | 2,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $592,551,333 | 1,516 |
| Average earning assets | $551,761,333 | 1,517 |
| Average equity | $51,468,667 | 1,642 |
| Average total loans | $461,665,333 | 1,244 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 487 |
| Cost of funding earning assets | 0.4632% | 602 |
| Net interest margin | 3.7751% | 662 |
| Noninterest income to average assets | 0.5441% | 1,932 |
| Noninterest expense to average assets | 2.3743% | 2,255 |
| Loan and lease loss provision to assets | 0.1020% | 814 |
| Net operating income to assets | 1.1728% | 1,318 |
| Return on assets (ROA) | 1.1739% | 1,315 |
| Pretax return on assets | 1.5834% | 856 |
| Return on Equity (ROE) | 13.0607% | 1,019 |
| Retained earnings to average equity (ytd only) | 13.0607% | 459 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3878% | 3,641 |
| Assets per employee ($millions) | 6.4351% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 3,460 |
| Loan loss allowance to noncurrent loans | 117.5933% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.8562% | 628 |
| Noncurrent loans to loans | 0.9097% | 1,012 |
| Net loans and leases to total assets | 74.7022% | 599 |
| Net loans and leases to deposits | 82.7545% | 960 |
| Net loans and leases to core deposits | 90.9717% | 880 |
| Total domestic deposits to total assets | 90.2697% | 1,400 |
| Equity capital to assets | 8.4894% | 3,168 |
| Core capital (leverage) ratio | 9.5000% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $588,119,500 | 1,535 |
| Average earning assets | $547,485,500 | 1,537 |
| Average equity | $52,861,000 | 1,652 |
| Average total loans | $449,824,500 | 1,259 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 606 |
| Cost of funding earning assets | 0.5488% | 715 |
| Net interest margin | 3.9477% | 790 |
| Noninterest income to average assets | 0.3753% | 3,184 |
| Noninterest expense to average assets | 2.3791% | 2,554 |
| Loan and lease loss provision to assets | 0.2518% | 366 |
| Net operating income to assets | 1.1805% | 1,994 |
| Return on assets (ROA) | 1.1810% | 2,054 |
| Pretax return on assets | 1.4323% | 1,940 |
| Return on Equity (ROE) | 12.7455% | 1,551 |
| Retained earnings to average equity (ytd only) | 8.5288% | 1,334 |
| Net charge-offs to loans | 0.3047% | 280 |
| Credit loss provision to net charge-offs | 107.1693% | 1,731 |
| Earnings coverage of net charge-offs (x) | 7.1648% | 2,359 |
| Efficiency ratio | 58.4338% | 3,376 |
| Assets per employee ($millions) | 6.1435% | 2,616 |
| Cash dividends to net income (ytd only)* | 33.0834% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,480 |
| Loan loss allowance to noncurrent loans | 116.0784% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.8694% | 674 |
| Noncurrent loans to loans | 0.9212% | 1,099 |
| Net loans and leases to total assets | 76.6888% | 463 |
| Net loans and leases to deposits | 85.9603% | 778 |
| Net loans and leases to core deposits | 94.4577% | 759 |
| Total domestic deposits to total assets | 89.2142% | 1,407 |
| Equity capital to assets | 9.5162% | 3,135 |
| Core capital (leverage) ratio | 9.4947% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $575,845,200 | 1,498 |
| Average earning assets | $537,860,400 | 1,499 |
| Average equity | $53,360,200 | 1,670 |
| Average total loans | $444,049,600 | 1,274 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 735 |
| Cost of funding earning assets | 0.5685% | 750 |
| Net interest margin | 3.8845% | 966 |
| Noninterest income to average assets | 0.3422% | 3,400 |
| Noninterest expense to average assets | 2.2769% | 2,820 |
| Loan and lease loss provision to assets | 0.0693% | 1,623 |
| Net operating income to assets | 1.3522% | 1,685 |
| Return on assets (ROA) | 1.3530% | 1,737 |
| Pretax return on assets | 1.6285% | 1,612 |
| Return on Equity (ROE) | 14.6993% | 1,198 |
| Retained earnings to average equity (ytd only) | 14.6993% | 438 |
| Net charge-offs to loans | 0.0030% | 2,240 |
| Credit loss provision to net charge-offs | 3,000.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 734.3000% | 218 |
| Efficiency ratio | 57.1703% | 3,396 |
| Assets per employee ($millions) | 6.0872% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 3,283 |
| Loan loss allowance to noncurrent loans | 88.9230% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.1233% | 553 |
| Noncurrent loans to loans | 1.2748% | 859 |
| Net loans and leases to total assets | 73.5663% | 725 |
| Net loans and leases to deposits | 82.6700% | 1,053 |
| Net loans and leases to core deposits | 90.6386% | 999 |
| Total domestic deposits to total assets | 88.9879% | 1,279 |
| Equity capital to assets | 9.6148% | 3,274 |
| Core capital (leverage) ratio | 9.7805% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $576,970,500 | 1,515 |
| Average earning assets | $539,394,750 | 1,511 |
| Average equity | $53,107,750 | 1,698 |
| Average total loans | $444,338,750 | 1,298 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 739 |
| Cost of funding earning assets | 0.6013% | 743 |
| Net interest margin | 3.8859% | 997 |
| Noninterest income to average assets | 0.4115% | 3,051 |
| Noninterest expense to average assets | 2.2614% | 2,875 |
| Loan and lease loss provision to assets | 0.0522% | 1,989 |
| Net operating income to assets | 1.2833% | 1,911 |
| Return on assets (ROA) | 1.2835% | 1,986 |
| Pretax return on assets | 1.7271% | 1,416 |
| Return on Equity (ROE) | 14.1585% | 1,367 |
| Retained earnings to average equity (ytd only) | 14.1585% | 524 |
| Net charge-offs to loans | 0.0040% | 2,011 |
| Credit loss provision to net charge-offs | 1,666.6667% | 329 |
| Earnings coverage of net charge-offs (x) | 567.7778% | 235 |
| Efficiency ratio | 55.8418% | 3,566 |
| Assets per employee ($millions) | 6.0639% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 3,525 |
| Loan loss allowance to noncurrent loans | 87.1786% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 580 |
| Noncurrent loans to loans | 1.2327% | 973 |
| Net loans and leases to total assets | 77.1943% | 499 |
| Net loans and leases to deposits | 86.6911% | 867 |
| Net loans and leases to core deposits | 95.0257% | 856 |
| Total domestic deposits to total assets | 89.0453% | 1,266 |
| Equity capital to assets | 9.4601% | 3,371 |
| Core capital (leverage) ratio | 9.3041% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $574,505,000 | 1,512 |
| Average earning assets | $536,509,667 | 1,511 |
| Average equity | $52,081,667 | 1,711 |
| Average total loans | $447,509,667 | 1,296 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4009% | 912 |
| Cost of funding earning assets | 0.6586% | 657 |
| Net interest margin | 3.7422% | 1,247 |
| Noninterest income to average assets | 0.3988% | 3,092 |
| Noninterest expense to average assets | 2.2249% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2409% | 2,005 |
| Return on assets (ROA) | 1.2414% | 2,088 |
| Pretax return on assets | 1.6659% | 1,566 |
| Return on Equity (ROE) | 13.9950% | 1,428 |
| Retained earnings to average equity (ytd only) | 13.9950% | 756 |
| Net charge-offs to loans | -0.0018% | 3,116 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0690% | 3,418 |
| Assets per employee ($millions) | 6.5065% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 3,692 |
| Loan loss allowance to noncurrent loans | 83.4262% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.2119% | 615 |
| Noncurrent loans to loans | 1.2472% | 1,049 |
| Net loans and leases to total assets | 76.2231% | 613 |
| Net loans and leases to deposits | 84.9817% | 1,050 |
| Net loans and leases to core deposits | 95.2746% | 918 |
| Total domestic deposits to total assets | 89.6937% | 974 |
| Equity capital to assets | 8.9072% | 3,781 |
| Core capital (leverage) ratio | 9.2368% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $576,756,000 | 1,496 |
| Average earning assets | $538,075,500 | 1,502 |
| Average equity | $51,161,000 | 1,732 |
| Average total loans | $448,869,500 | 1,290 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9495% | 538 |
| Cost of funding earning assets | 0.9873% | 619 |
| Net interest margin | 3.9622% | 1,058 |
| Noninterest income to average assets | 0.2419% | 4,045 |
| Noninterest expense to average assets | 2.4054% | 3,119 |
| Loan and lease loss provision to assets | 0.1227% | 2,834 |
| Net operating income to assets | 1.1287% | 1,805 |
| Return on assets (ROA) | 1.1440% | 1,875 |
| Pretax return on assets | 1.4028% | 1,649 |
| Return on Equity (ROE) | 12.6730% | 1,127 |
| Retained earnings to average equity (ytd only) | 7.0942% | 1,362 |
| Net charge-offs to loans | 0.1065% | 1,406 |
| Credit loss provision to net charge-offs | 145.9695% | 2,449 |
| Earnings coverage of net charge-offs (x) | 17.9259% | 2,048 |
| Efficiency ratio | 61.3444% | 3,254 |
| Assets per employee ($millions) | 6.1767% | 2,185 |
| Cash dividends to net income (ytd only)* | 44.0211% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,771 |
| Loan loss allowance to noncurrent loans | 84.5607% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 682 |
| Noncurrent loans to loans | 1.2145% | 1,147 |
| Net loans and leases to total assets | 77.8275% | 616 |
| Net loans and leases to deposits | 86.5444% | 1,210 |
| Net loans and leases to core deposits | 103.7635% | 738 |
| Total domestic deposits to total assets | 89.9278% | 594 |
| Equity capital to assets | 8.8334% | 4,193 |
| Core capital (leverage) ratio | 8.8045% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $546,053,200 | 1,438 |
| Average earning assets | $505,831,000 | 1,442 |
| Average equity | $49,293,800 | 1,715 |
| Average total loans | $430,901,400 | 1,270 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 606 |
| Cost of funding earning assets | 1.0477% | 645 |
| Net interest margin | 3.9506% | 1,235 |
| Noninterest income to average assets | 0.2580% | 3,937 |
| Noninterest expense to average assets | 2.3949% | 3,148 |
| Loan and lease loss provision to assets | 0.1410% | 2,610 |
| Net operating income to assets | 1.1425% | 1,844 |
| Return on assets (ROA) | 1.1634% | 1,887 |
| Pretax return on assets | 1.4032% | 1,725 |
| Return on Equity (ROE) | 12.8148% | 1,168 |
| Retained earnings to average equity (ytd only) | 12.8148% | 344 |
| Net charge-offs to loans | 0.0655% | 1,678 |
| Credit loss provision to net charge-offs | 272.7273% | 1,846 |
| Earnings coverage of net charge-offs (x) | 29.3780% | 1,605 |
| Efficiency ratio | 61.0518% | 3,207 |
| Assets per employee ($millions) | 5.9769% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 3,357 |
| Loan loss allowance to noncurrent loans | 85.1226% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.3550% | 675 |
| Noncurrent loans to loans | 1.2587% | 1,190 |
| Net loans and leases to total assets | 78.7020% | 749 |
| Net loans and leases to deposits | 88.1718% | 1,465 |
| Net loans and leases to core deposits | 105.4282% | 867 |
| Total domestic deposits to total assets | 89.2599% | 666 |
| Equity capital to assets | 9.2247% | 3,931 |
| Core capital (leverage) ratio | 9.0437% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $538,958,500 | 1,436 |
| Average earning assets | $498,746,000 | 1,439 |
| Average equity | $48,931,750 | 1,717 |
| Average total loans | $425,700,500 | 1,273 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0507% | 759 |
| Cost of funding earning assets | 1.1097% | 699 |
| Net interest margin | 3.9410% | 1,468 |
| Noninterest income to average assets | 0.3388% | 3,448 |
| Noninterest expense to average assets | 2.4256% | 3,188 |
| Loan and lease loss provision to assets | 0.1016% | 2,996 |
| Net operating income to assets | 1.0847% | 2,016 |
| Return on assets (ROA) | 1.1153% | 2,034 |
| Pretax return on assets | 1.4970% | 1,464 |
| Return on Equity (ROE) | 12.3544% | 1,250 |
| Retained earnings to average equity (ytd only) | 12.3544% | 417 |
| Net charge-offs to loans | 0.0650% | 1,593 |
| Credit loss provision to net charge-offs | 198.5294% | 1,933 |
| Earnings coverage of net charge-offs (x) | 30.4706% | 1,422 |
| Efficiency ratio | 60.7197% | 3,316 |
| Assets per employee ($millions) | 6.1354% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 3,369 |
| Loan loss allowance to noncurrent loans | 84.3594% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.3526% | 741 |
| Noncurrent loans to loans | 1.2323% | 1,267 |
| Net loans and leases to total assets | 76.1297% | 1,120 |
| Net loans and leases to deposits | 86.6656% | 1,699 |
| Net loans and leases to core deposits | 104.2305% | 987 |
| Total domestic deposits to total assets | 87.8430% | 1,264 |
| Equity capital to assets | 8.7949% | 4,270 |
| Core capital (leverage) ratio | 8.9715% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $531,335,333 | 1,431 |
| Average earning assets | $491,656,000 | 1,432 |
| Average equity | $47,966,667 | 1,740 |
| Average total loans | $418,614,333 | 1,279 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 814 |
| Cost of funding earning assets | 1.2116% | 742 |
| Net interest margin | 3.8776% | 1,740 |
| Noninterest income to average assets | 0.3471% | 3,438 |
| Noninterest expense to average assets | 2.5304% | 3,178 |
| Loan and lease loss provision to assets | 0.0938% | 2,506 |
| Net operating income to assets | 0.9585% | 2,319 |
| Return on assets (ROA) | 1.0209% | 2,212 |
| Pretax return on assets | 1.3844% | 1,609 |
| Return on Equity (ROE) | 11.1485% | 1,371 |
| Retained earnings to average equity (ytd only) | 11.1485% | 549 |
| Net charge-offs to loans | 0.0744% | 1,281 |
| Credit loss provision to net charge-offs | 157.8947% | 1,558 |
| Earnings coverage of net charge-offs (x) | 23.5526% | 1,324 |
| Efficiency ratio | 64.2530% | 3,198 |
| Assets per employee ($millions) | 5.6670% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 3,297 |
| Loan loss allowance to noncurrent loans | 81.6505% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.5191% | 695 |
| Noncurrent loans to loans | 1.3257% | 1,223 |
| Net loans and leases to total assets | 78.3862% | 924 |
| Net loans and leases to deposits | 89.4817% | 1,576 |
| Net loans and leases to core deposits | 110.3491% | 838 |
| Total domestic deposits to total assets | 87.6003% | 1,274 |
| Equity capital to assets | 9.0050% | 4,596 |
| Core capital (leverage) ratio | 9.4803% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $511,707,500 | 1,440 |
| Average earning assets | $472,770,500 | 1,438 |
| Average equity | $46,858,500 | 1,763 |
| Average total loans | $408,445,500 | 1,277 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2292% | 931 |
| Cost of funding earning assets | 1.3976% | 570 |
| Net interest margin | 3.8316% | 2,401 |
| Noninterest income to average assets | 0.2944% | 3,927 |
| Noninterest expense to average assets | 2.4695% | 3,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0795% | 2,523 |
| Return on assets (ROA) | 1.0803% | 2,623 |
| Pretax return on assets | 1.3645% | 2,283 |
| Return on Equity (ROE) | 11.7183% | 1,612 |
| Retained earnings to average equity (ytd only) | 2.8702% | 3,602 |
| Net charge-offs to loans | 0.0841% | 1,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 19.9825% | 1,961 |
| Efficiency ratio | 64.2705% | 3,038 |
| Assets per employee ($millions) | 5.2847% | 2,263 |
| Cash dividends to net income (ytd only)* | 75.5064% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 2,971 |
| Loan loss allowance to noncurrent loans | 79.5544% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.7086% | 538 |
| Noncurrent loans to loans | 1.3786% | 1,074 |
| Net loans and leases to total assets | 79.5364% | 848 |
| Net loans and leases to deposits | 91.1309% | 1,470 |
| Net loans and leases to core deposits | 113.0446% | 715 |
| Total domestic deposits to total assets | 87.2771% | 1,470 |
| Equity capital to assets | 9.3154% | 4,481 |
| Core capital (leverage) ratio | 9.2445% | 4,325 |
| Tier 1 risk-based capital ratio | 10.5365% | 5,010 |
| Total risk-based capital ratio | 11.5403% | 5,013 |
| Memoranda: | ||
| Average total assets | $502,658,600 | 1,421 |
| Average earning assets | $464,218,600 | 1,425 |
| Average equity | $46,337,600 | 1,711 |
| Average total loans | $408,048,600 | 1,249 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2230% | 995 |
| Cost of funding earning assets | 1.4056% | 571 |
| Net interest margin | 3.8174% | 2,538 |
| Noninterest income to average assets | 0.3328% | 3,754 |
| Noninterest expense to average assets | 2.4494% | 3,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1591% | 2,331 |
| Return on assets (ROA) | 1.1591% | 2,422 |
| Pretax return on assets | 1.4107% | 2,269 |
| Return on Equity (ROE) | 12.6062% | 1,409 |
| Retained earnings to average equity (ytd only) | 12.6062% | 316 |
| Net charge-offs to loans | 0.0896% | 1,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 19.3453% | 2,006 |
| Efficiency ratio | 63.3029% | 3,111 |
| Assets per employee ($millions) | 5.2902% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 2,927 |
| Loan loss allowance to noncurrent loans | 80.8488% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.7259% | 581 |
| Noncurrent loans to loans | 1.3865% | 1,106 |
| Net loans and leases to total assets | 78.9100% | 1,003 |
| Net loans and leases to deposits | 91.2731% | 1,535 |
| Net loans and leases to core deposits | 114.8513% | 715 |
| Total domestic deposits to total assets | 86.4548% | 1,792 |
| Equity capital to assets | 9.9337% | 4,086 |
| Core capital (leverage) ratio | 9.8130% | 3,835 |
| Tier 1 risk-based capital ratio | 11.4224% | 4,711 |
| Total risk-based capital ratio | 12.4596% | 4,705 |
| Memoranda: | ||
| Average total assets | $502,811,250 | 1,424 |
| Average earning assets | $464,600,250 | 1,436 |
| Average equity | $46,230,000 | 1,712 |
| Average total loans | $409,126,000 | 1,257 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2173% | 947 |
| Cost of funding earning assets | 1.3837% | 567 |
| Net interest margin | 3.8335% | 2,466 |
| Noninterest income to average assets | 0.4550% | 2,933 |
| Noninterest expense to average assets | 2.4813% | 3,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1517% | 2,319 |
| Return on assets (ROA) | 1.1517% | 2,393 |
| Pretax return on assets | 1.5148% | 1,814 |
| Return on Equity (ROE) | 12.8715% | 1,282 |
| Retained earnings to average equity (ytd only) | 12.8715% | 313 |
| Net charge-offs to loans | 0.1034% | 1,355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 17.8826% | 1,875 |
| Efficiency ratio | 61.9427% | 3,442 |
| Assets per employee ($millions) | 5.3669% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 3,079 |
| Loan loss allowance to noncurrent loans | 120.6458% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.4180% | 826 |
| Noncurrent loans to loans | 0.9099% | 1,801 |
| Net loans and leases to total assets | 80.5381% | 801 |
| Net loans and leases to deposits | 92.7259% | 1,409 |
| Net loans and leases to core deposits | 120.0651% | 548 |
| Total domestic deposits to total assets | 86.8562% | 1,661 |
| Equity capital to assets | 9.3591% | 4,533 |
| Core capital (leverage) ratio | 9.4105% | 4,232 |
| Tier 1 risk-based capital ratio | 10.8252% | 4,982 |
| Total risk-based capital ratio | 11.8526% | 4,982 |
| Memoranda: | ||
| Average total assets | $502,891,670 | 1,425 |
| Average earning assets | $464,535,000 | 1,436 |
| Average equity | $44,998,670 | 1,752 |
| Average total loans | $411,810,000 | 1,250 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1635% | 974 |
| Cost of funding earning assets | 1.3210% | 614 |
| Net interest margin | 3.8425% | 2,371 |
| Noninterest income to average assets | 0.4694% | 2,738 |
| Noninterest expense to average assets | 2.5038% | 3,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1422% | 2,305 |
| Return on assets (ROA) | 1.1422% | 2,352 |
| Pretax return on assets | 1.5138% | 1,717 |
| Return on Equity (ROE) | 13.0709% | 1,193 |
| Retained earnings to average equity (ytd only) | 13.0709% | 451 |
| Net charge-offs to loans | 0.0068% | 2,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 270.0000% | 295 |
| Efficiency ratio | 62.1810% | 3,505 |
| Assets per employee ($millions) | 5.6062% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 2,828 |
| Loan loss allowance to noncurrent loans | 114.3543% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 1.5118% | 791 |
| Noncurrent loans to loans | 1.0089% | 1,655 |
| Net loans and leases to total assets | 80.8925% | 724 |
| Net loans and leases to deposits | 93.4013% | 1,238 |
| Net loans and leases to core deposits | 122.5497% | 464 |
| Total domestic deposits to total assets | 86.6074% | 2,000 |
| Equity capital to assets | 8.8957% | 4,754 |
| Core capital (leverage) ratio | 9.2314% | 4,431 |
| Tier 1 risk-based capital ratio | 10.7020% | 5,110 |
| Total risk-based capital ratio | 11.7972% | 5,069 |
| Memoranda: | ||
| Average total assets | $499,408,000 | 1,439 |
| Average earning assets | $461,162,000 | 1,446 |
| Average equity | $43,639,000 | 1,792 |
| Average total loans | $410,120,500 | 1,262 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 1,080 |
| Cost of funding earning assets | 0.9836% | 807 |
| Net interest margin | 3.9996% | 1,986 |
| Noninterest income to average assets | 0.3565% | 3,710 |
| Noninterest expense to average assets | 2.4374% | 3,777 |
| Loan and lease loss provision to assets | 0.2415% | 723 |
| Net operating income to assets | 1.1430% | 2,418 |
| Return on assets (ROA) | 1.1559% | 2,361 |
| Pretax return on assets | 1.4057% | 2,117 |
| Return on Equity (ROE) | 13.6772% | 1,137 |
| Retained earnings to average equity (ytd only) | 3.9129% | 3,426 |
| Net charge-offs to loans | 0.0744% | 2,054 |
| Credit loss provision to net charge-offs | 397.3510% | 828 |
| Earnings coverage of net charge-offs (x) | 26.8411% | 1,711 |
| Efficiency ratio | 59.7546% | 3,903 |
| Assets per employee ($millions) | 5.4872% | 1,966 |
| Cash dividends to net income (ytd only)* | 71.3913% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 2,717 |
| Loan loss allowance to noncurrent loans | 99.2511% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.6975% | 631 |
| Noncurrent loans to loans | 1.1801% | 1,361 |
| Net loans and leases to total assets | 81.5152% | 727 |
| Net loans and leases to deposits | 93.0768% | 1,393 |
| Net loans and leases to core deposits | 124.4429% | 430 |
| Total domestic deposits to total assets | 87.5785% | 1,494 |
| Equity capital to assets | 8.5742% | 4,882 |
| Core capital (leverage) ratio | 8.9287% | 4,712 |
| Tier 1 risk-based capital ratio | 10.5032% | 5,176 |
| Total risk-based capital ratio | 11.6151% | 5,134 |
| Memoranda: | ||
| Average total assets | $496,837,400 | 1,415 |
| Average earning assets | $461,166,000 | 1,410 |
| Average equity | $41,989,600 | 1,782 |
| Average total loans | $405,915,000 | 1,245 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 1,156 |
| Cost of funding earning assets | 0.9218% | 834 |
| Net interest margin | 3.9789% | 2,017 |
| Noninterest income to average assets | 0.4687% | 3,052 |
| Noninterest expense to average assets | 2.4593% | 3,700 |
| Loan and lease loss provision to assets | 0.2412% | 659 |
| Net operating income to assets | 1.1097% | 2,619 |
| Return on assets (ROA) | 1.1262% | 2,561 |
| Pretax return on assets | 1.4869% | 1,942 |
| Return on Equity (ROE) | 13.3740% | 1,306 |
| Retained earnings to average equity (ytd only) | 13.3740% | 317 |
| Net charge-offs to loans | 0.0845% | 1,669 |
| Credit loss provision to net charge-offs | 350.1946% | 895 |
| Earnings coverage of net charge-offs (x) | 24.7897% | 1,797 |
| Efficiency ratio | 58.8848% | 3,980 |
| Assets per employee ($millions) | 5.5560% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 3,260 |
| Loan loss allowance to noncurrent loans | 108.4534% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.6649% | 741 |
| Noncurrent loans to loans | 1.0031% | 1,703 |
| Net loans and leases to total assets | 82.1156% | 693 |
| Net loans and leases to deposits | 93.9011% | 1,389 |
| Net loans and leases to core deposits | 117.5913% | 655 |
| Total domestic deposits to total assets | 87.4490% | 1,517 |
| Equity capital to assets | 8.8791% | 4,656 |
| Core capital (leverage) ratio | 9.5542% | 4,107 |
| Tier 1 risk-based capital ratio | 10.8245% | 5,120 |
| Total risk-based capital ratio | 11.8510% | 5,122 |
| Memoranda: | ||
| Average total assets | $497,585,750 | 1,419 |
| Average earning assets | $462,424,250 | 1,413 |
| Average equity | $41,901,250 | 1,791 |
| Average total loans | $405,561,500 | 1,242 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8043% | 1,238 |
| Cost of funding earning assets | 0.8712% | 827 |
| Net interest margin | 3.9331% | 2,095 |
| Noninterest income to average assets | 0.3978% | 3,506 |
| Noninterest expense to average assets | 2.4474% | 3,781 |
| Loan and lease loss provision to assets | 0.2416% | 647 |
| Net operating income to assets | 1.0500% | 2,808 |
| Return on assets (ROA) | 1.0741% | 2,698 |
| Pretax return on assets | 1.4019% | 2,137 |
| Return on Equity (ROE) | 12.9929% | 1,377 |
| Retained earnings to average equity (ytd only) | 12.9929% | 381 |
| Net charge-offs to loans | 0.1019% | 1,335 |
| Credit loss provision to net charge-offs | 292.6829% | 1,019 |
| Earnings coverage of net charge-offs (x) | 19.5415% | 1,847 |
| Efficiency ratio | 60.1289% | 3,916 |
| Assets per employee ($millions) | 5.6105% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,653 |
| Loan loss allowance to noncurrent loans | 85.5311% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.5889% | 812 |
| Noncurrent loans to loans | 1.2034% | 1,446 |
| Net loans and leases to total assets | 81.2725% | 815 |
| Net loans and leases to deposits | 94.6481% | 1,287 |
| Net loans and leases to core deposits | 117.5555% | 652 |
| Total domestic deposits to total assets | 85.8681% | 2,336 |
| Equity capital to assets | 8.6489% | 4,845 |
| Core capital (leverage) ratio | 9.2447% | 4,420 |
| Tier 1 risk-based capital ratio | 10.4828% | 5,275 |
| Total risk-based capital ratio | 11.4538% | 5,300 |
| Memoranda: | ||
| Average total assets | $496,768,330 | 1,425 |
| Average earning assets | $462,590,000 | 1,416 |
| Average equity | $41,068,670 | 1,823 |
| Average total loans | $402,373,670 | 1,249 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 1,290 |
| Cost of funding earning assets | 0.8617% | 717 |
| Net interest margin | 3.8447% | 2,243 |
| Noninterest income to average assets | 0.4271% | 3,270 |
| Noninterest expense to average assets | 2.4738% | 3,734 |
| Loan and lease loss provision to assets | 0.2436% | 620 |
| Net operating income to assets | 0.9822% | 2,928 |
| Return on assets (ROA) | 1.0303% | 2,750 |
| Pretax return on assets | 1.3567% | 2,164 |
| Return on Equity (ROE) | 12.7644% | 1,330 |
| Retained earnings to average equity (ytd only) | 12.7644% | 556 |
| Net charge-offs to loans | 0.2756% | 561 |
| Credit loss provision to net charge-offs | 109.8901% | 1,456 |
| Earnings coverage of net charge-offs (x) | 6.9451% | 2,131 |
| Efficiency ratio | 61.5011% | 3,873 |
| Assets per employee ($millions) | 5.5798% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 4,078 |
| Loan loss allowance to noncurrent loans | 98.6094% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.5181% | 910 |
| Noncurrent loans to loans | 0.9912% | 1,842 |
| Net loans and leases to total assets | 79.5664% | 1,003 |
| Net loans and leases to deposits | 90.3329% | 1,651 |
| Net loans and leases to core deposits | 115.3821% | 748 |
| Total domestic deposits to total assets | 88.0813% | 1,573 |
| Equity capital to assets | 8.5341% | 4,944 |
| Core capital (leverage) ratio | 8.9628% | 4,719 |
| Tier 1 risk-based capital ratio | 10.6035% | 5,319 |
| Total risk-based capital ratio | 11.5292% | 5,345 |
| Memoranda: | ||
| Average total assets | $492,682,000 | 1,439 |
| Average earning assets | $459,536,000 | 1,433 |
| Average equity | $39,767,000 | 1,879 |
| Average total loans | $396,237,500 | 1,271 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7498% | 1,076 |
| Cost of funding earning assets | 0.6851% | 1,112 |
| Net interest margin | 4.0647% | 1,545 |
| Noninterest income to average assets | 0.3718% | 3,809 |
| Noninterest expense to average assets | 2.5534% | 3,593 |
| Loan and lease loss provision to assets | 0.0215% | 3,871 |
| Net operating income to assets | 0.8984% | 2,719 |
| Return on assets (ROA) | 0.8984% | 2,754 |
| Pretax return on assets | 1.5619% | 1,413 |
| Return on Equity (ROE) | 11.0088% | 1,484 |
| Retained earnings to average equity (ytd only) | 1.8019% | 4,238 |
| Net charge-offs to loans | 0.1106% | 1,962 |
| Credit loss provision to net charge-offs | 24.3309% | 3,582 |
| Earnings coverage of net charge-offs (x) | 17.9465% | 2,103 |
| Efficiency ratio | 61.5692% | 4,007 |
| Assets per employee ($millions) | 5.4306% | 2,013 |
| Cash dividends to net income (ytd only)* | 83.6320% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 4,030 |
| Loan loss allowance to noncurrent loans | 85.8378% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.9208% | 610 |
| Noncurrent loans to loans | 1.1468% | 1,550 |
| Net loans and leases to total assets | 79.7084% | 1,003 |
| Net loans and leases to deposits | 92.3945% | 1,468 |
| Net loans and leases to core deposits | 118.0529% | 651 |
| Total domestic deposits to total assets | 86.2695% | 2,324 |
| Equity capital to assets | 7.6063% | 5,520 |
| Core capital (leverage) ratio | 8.0777% | 5,405 |
| Tier 1 risk-based capital ratio | 9.4270% | 5,606 |
| Total risk-based capital ratio | 10.3764% | 5,618 |
| Memoranda: | ||
| Average total assets | $465,853,200 | 1,492 |
| Average earning assets | $431,491,600 | 1,498 |
| Average equity | $38,015,000 | 1,928 |
| Average total loans | $371,689,000 | 1,310 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7527% | 1,019 |
| Cost of funding earning assets | 0.6689% | 1,130 |
| Net interest margin | 4.0838% | 1,430 |
| Noninterest income to average assets | 0.3755% | 3,844 |
| Noninterest expense to average assets | 2.6137% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0258% | 2,439 |
| Return on assets (ROA) | 1.0258% | 2,485 |
| Pretax return on assets | 1.5390% | 1,625 |
| Return on Equity (ROE) | 12.3477% | 1,229 |
| Retained earnings to average equity (ytd only) | 12.3477% | 270 |
| Net charge-offs to loans | 0.0517% | 2,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 37.4012% | 1,365 |
| Efficiency ratio | 62.7870% | 3,759 |
| Assets per employee ($millions) | 5.2902% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 3,736 |
| Loan loss allowance to noncurrent loans | 81.8384% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.9575% | 673 |
| Noncurrent loans to loans | 1.2943% | 1,475 |
| Net loans and leases to total assets | 79.3000% | 1,084 |
| Net loans and leases to deposits | 90.9851% | 1,692 |
| Net loans and leases to core deposits | 115.8604% | 755 |
| Total domestic deposits to total assets | 87.1571% | 1,791 |
| Equity capital to assets | 8.5002% | 5,288 |
| Core capital (leverage) ratio | 8.8496% | 4,925 |
| Tier 1 risk-based capital ratio | 10.3141% | 5,508 |
| Total risk-based capital ratio | 11.3233% | 5,539 |
| Memoranda: | ||
| Average total assets | $460,128,250 | 1,524 |
| Average earning assets | $425,572,000 | 1,528 |
| Average equity | $38,224,750 | 1,943 |
| Average total loans | $366,248,750 | 1,336 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7421% | 977 |
| Cost of funding earning assets | 0.6434% | 1,186 |
| Net interest margin | 4.0988% | 1,327 |
| Noninterest income to average assets | 0.4600% | 3,289 |
| Noninterest expense to average assets | 2.6755% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0519% | 2,196 |
| Return on assets (ROA) | 1.0519% | 2,238 |
| Pretax return on assets | 1.5695% | 1,432 |
| Return on Equity (ROE) | 12.7655% | 1,096 |
| Retained earnings to average equity (ytd only) | 12.7655% | 261 |
| Net charge-offs to loans | -0.0426% | 5,105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8716% | 3,838 |
| Assets per employee ($millions) | 4.8743% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 3,246 |
| Loan loss allowance to noncurrent loans | 104.1046% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.8719% | 715 |
| Noncurrent loans to loans | 1.1149% | 1,760 |
| Net loans and leases to total assets | 78.3619% | 1,186 |
| Net loans and leases to deposits | 89.8749% | 1,746 |
| Net loans and leases to core deposits | 111.7730% | 917 |
| Total domestic deposits to total assets | 87.1899% | 1,859 |
| Equity capital to assets | 8.5138% | 5,299 |
| Core capital (leverage) ratio | 8.7675% | 4,985 |
| Tier 1 risk-based capital ratio | 10.4542% | 5,477 |
| Total risk-based capital ratio | 11.5636% | 5,468 |
| Memoranda: | ||
| Average total assets | $454,799,000 | 1,545 |
| Average earning assets | $419,978,330 | 1,548 |
| Average equity | $37,476,000 | 1,962 |
| Average total loans | $361,131,000 | 1,353 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7015% | 937 |
| Cost of funding earning assets | 0.6323% | 1,175 |
| Net interest margin | 4.0692% | 1,302 |
| Noninterest income to average assets | 0.4420% | 3,361 |
| Noninterest expense to average assets | 2.6938% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0038% | 2,286 |
| Return on assets (ROA) | 1.0038% | 2,336 |
| Pretax return on assets | 1.5009% | 1,529 |
| Return on Equity (ROE) | 12.3938% | 1,138 |
| Retained earnings to average equity (ytd only) | 12.3938% | 434 |
| Net charge-offs to loans | 0.1418% | 1,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 13.3150% | 1,791 |
| Efficiency ratio | 64.0711% | 3,822 |
| Assets per employee ($millions) | 5.0933% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 3,636 |
| Loan loss allowance to noncurrent loans | 98.6385% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.9173% | 706 |
| Noncurrent loans to loans | 1.1288% | 1,811 |
| Net loans and leases to total assets | 78.6041% | 1,040 |
| Net loans and leases to deposits | 89.5779% | 1,589 |
| Net loans and leases to core deposits | 109.3732% | 908 |
| Total domestic deposits to total assets | 87.7495% | 1,862 |
| Equity capital to assets | 8.0836% | 5,481 |
| Core capital (leverage) ratio | 8.6995% | 5,048 |
| Tier 1 risk-based capital ratio | 10.2078% | 5,648 |
| Total risk-based capital ratio | 11.2728% | 5,658 |
| Memoranda: | ||
| Average total assets | $450,669,500 | 1,567 |
| Average earning assets | $415,613,500 | 1,571 |
| Average equity | $36,502,000 | 2,005 |
| Average total loans | $358,135,500 | 1,372 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7848% | 914 |
| Cost of funding earning assets | 0.6227% | 1,187 |
| Net interest margin | 4.1620% | 1,205 |
| Noninterest income to average assets | 0.4490% | 3,551 |
| Noninterest expense to average assets | 2.6189% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1204% | 1,817 |
| Return on assets (ROA) | 1.1559% | 1,764 |
| Pretax return on assets | 1.7168% | 959 |
| Return on Equity (ROE) | 13.7914% | 809 |
| Retained earnings to average equity (ytd only) | 6.4541% | 1,474 |
| Net charge-offs to loans | 0.0528% | 2,976 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 39.7861% | 1,182 |
| Efficiency ratio | 60.9942% | 4,420 |
| Assets per employee ($millions) | 4.9212% | 2,485 |
| Cash dividends to net income (ytd only)* | 53.2018% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 3,184 |
| Loan loss allowance to noncurrent loans | 103.3086% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.9760% | 703 |
| Noncurrent loans to loans | 1.1509% | 1,781 |
| Net loans and leases to total assets | 78.5071% | 1,127 |
| Net loans and leases to deposits | 91.1792% | 1,551 |
| Net loans and leases to core deposits | 109.8787% | 907 |
| Total domestic deposits to total assets | 86.1020% | 2,532 |
| Equity capital to assets | 8.1388% | 5,497 |
| Core capital (leverage) ratio | 8.5087% | 5,255 |
| Tier 1 risk-based capital ratio | 10.3610% | 5,633 |
| Total risk-based capital ratio | 11.5049% | 5,618 |
| Memoranda: | ||
| Average total assets | $447,176,000 | 1,517 |
| Average earning assets | $411,891,600 | 1,527 |
| Average equity | $37,480,000 | 1,955 |
| Average total loans | $353,945,000 | 1,325 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 952 |
| Cost of funding earning assets | 0.6202% | 1,205 |
| Net interest margin | 4.1490% | 1,256 |
| Noninterest income to average assets | 0.5351% | 3,010 |
| Noninterest expense to average assets | 2.6744% | 3,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1374% | 1,853 |
| Return on assets (ROA) | 1.1853% | 1,791 |
| Pretax return on assets | 1.7541% | 989 |
| Return on Equity (ROE) | 14.0419% | 818 |
| Retained earnings to average equity (ytd only) | 14.0419% | 170 |
| Net charge-offs to loans | 0.0741% | 2,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 28.7310% | 1,532 |
| Efficiency ratio | 61.2177% | 4,353 |
| Assets per employee ($millions) | 4.9409% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 3,177 |
| Loan loss allowance to noncurrent loans | 97.0472% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 2.0740% | 742 |
| Noncurrent loans to loans | 1.2461% | 1,797 |
| Net loans and leases to total assets | 75.8356% | 1,550 |
| Net loans and leases to deposits | 86.6878% | 2,186 |
| Net loans and leases to core deposits | 107.3964% | 1,087 |
| Total domestic deposits to total assets | 87.4813% | 1,674 |
| Equity capital to assets | 8.8947% | 5,247 |
| Core capital (leverage) ratio | 8.8220% | 5,033 |
| Tier 1 risk-based capital ratio | 11.0398% | 5,354 |
| Total risk-based capital ratio | 12.2077% | 5,305 |
| Memoranda: | ||
| Average total assets | $448,244,000 | 1,516 |
| Average earning assets | $413,003,500 | 1,523 |
| Average equity | $37,838,250 | 1,944 |
| Average total loans | $354,457,500 | 1,325 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 938 |
| Cost of funding earning assets | 0.6210% | 1,189 |
| Net interest margin | 4.1470% | 1,242 |
| Noninterest income to average assets | 0.4444% | 3,566 |
| Noninterest expense to average assets | 2.6794% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0549% | 2,148 |
| Return on assets (ROA) | 1.0702% | 2,206 |
| Pretax return on assets | 1.6026% | 1,370 |
| Return on Equity (ROE) | 12.9095% | 1,052 |
| Retained earnings to average equity (ytd only) | 12.9095% | 241 |
| Net charge-offs to loans | 0.1035% | 1,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 19.1189% | 1,793 |
| Efficiency ratio | 62.7517% | 4,221 |
| Assets per employee ($millions) | 4.9029% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 3,525 |
| Loan loss allowance to noncurrent loans | 96.9206% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 2.1288% | 739 |
| Noncurrent loans to loans | 1.2071% | 1,909 |
| Net loans and leases to total assets | 79.2573% | 1,026 |
| Net loans and leases to deposits | 90.2806% | 1,721 |
| Net loans and leases to core deposits | 113.4485% | 747 |
| Total domestic deposits to total assets | 87.7900% | 1,537 |
| Equity capital to assets | 8.6696% | 5,504 |
| Core capital (leverage) ratio | 8.4520% | 5,401 |
| Tier 1 risk-based capital ratio | 10.3043% | 5,760 |
| Total risk-based capital ratio | 11.4435% | 5,727 |
| Memoranda: | ||
| Average total assets | $447,783,670 | 1,525 |
| Average earning assets | $411,908,330 | 1,527 |
| Average equity | $37,120,000 | 1,991 |
| Average total loans | $357,560,000 | 1,309 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7491% | 951 |
| Cost of funding earning assets | 0.6157% | 1,236 |
| Net interest margin | 4.1334% | 1,250 |
| Noninterest income to average assets | 0.4218% | 3,673 |
| Noninterest expense to average assets | 2.6902% | 3,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0066% | 2,247 |
| Return on assets (ROA) | 1.0236% | 2,300 |
| Pretax return on assets | 1.5524% | 1,428 |
| Return on Equity (ROE) | 12.6364% | 1,121 |
| Retained earnings to average equity (ytd only) | 12.6364% | 425 |
| Net charge-offs to loans | 0.1656% | 1,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.5676% | 1,850 |
| Efficiency ratio | 63.6498% | 4,180 |
| Assets per employee ($millions) | 5.0471% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 3,535 |
| Loan loss allowance to noncurrent loans | 92.6096% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 2.2664% | 707 |
| Noncurrent loans to loans | 1.2859% | 1,879 |
| Net loans and leases to total assets | 77.1384% | 1,231 |
| Net loans and leases to deposits | 87.2190% | 1,917 |
| Net loans and leases to core deposits | 109.0205% | 907 |
| Total domestic deposits to total assets | 88.4422% | 1,382 |
| Equity capital to assets | 8.1459% | 5,770 |
| Core capital (leverage) ratio | 8.2554% | 5,607 |
| Tier 1 risk-based capital ratio | 9.8785% | 5,930 |
| Total risk-based capital ratio | 11.0180% | 5,933 |
| Memoranda: | ||
| Average total assets | $448,592,500 | 1,530 |
| Average earning assets | $411,867,000 | 1,532 |
| Average equity | $36,339,500 | 2,022 |
| Average total loans | $357,437,500 | 1,301 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8366% | 869 |
| Cost of funding earning assets | 0.5766% | 1,531 |
| Net interest margin | 4.2600% | 1,043 |
| Noninterest income to average assets | 0.4466% | 3,698 |
| Noninterest expense to average assets | 2.8486% | 3,038 |
| Loan and lease loss provision to assets | 1.3815% | 55 |
| Net operating income to assets | 0.1209% | 5,725 |
| Return on assets (ROA) | 0.1658% | 5,700 |
| Pretax return on assets | 0.1752% | 5,716 |
| Return on Equity (ROE) | 1.9379% | 5,585 |
| Retained earnings to average equity (ytd only) | -6.0495% | 5,959 |
| Net charge-offs to loans | 1.8316% | 74 |
| Credit loss provision to net charge-offs | 92.3207% | 2,715 |
| Earnings coverage of net charge-offs (x) | 1.0087% | 4,152 |
| Efficiency ratio | 65.2053% | 4,048 |
| Assets per employee ($millions) | 4.9284% | 2,444 |
| Cash dividends to net income (ytd only)* | 412.1715% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 4,908 |
| Loan loss allowance to noncurrent loans | 64.1641% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 2.5402% | 606 |
| Noncurrent loans to loans | 1.4678% | 1,587 |
| Net loans and leases to total assets | 80.4561% | 779 |
| Net loans and leases to deposits | 92.0999% | 1,388 |
| Net loans and leases to core deposits | 116.3487% | 594 |
| Total domestic deposits to total assets | 87.3574% | 1,950 |
| Equity capital to assets | 8.1967% | 5,763 |
| Core capital (leverage) ratio | 8.2521% | 5,645 |
| Tier 1 risk-based capital ratio | 9.7676% | 6,006 |
| Total risk-based capital ratio | 10.6833% | 6,040 |
| Memoranda: | ||
| Average total assets | $435,969,000 | 1,525 |
| Average earning assets | $400,304,400 | 1,528 |
| Average equity | $37,309,000 | 1,919 |
| Average total loans | $356,194,800 | 1,273 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8214% | 902 |
| Cost of funding earning assets | 0.5735% | 1,592 |
| Net interest margin | 4.2480% | 1,058 |
| Noninterest income to average assets | 0.4571% | 3,661 |
| Noninterest expense to average assets | 2.8093% | 3,150 |
| Loan and lease loss provision to assets | 0.6450% | 130 |
| Net operating income to assets | 0.6183% | 4,297 |
| Return on assets (ROA) | 0.6613% | 4,186 |
| Pretax return on assets | 0.9682% | 3,750 |
| Return on Equity (ROE) | 7.6453% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.6453% | 1,396 |
| Net charge-offs to loans | 0.3052% | 875 |
| Credit loss provision to net charge-offs | 258.3026% | 1,108 |
| Earnings coverage of net charge-offs (x) | 6.2067% | 3,082 |
| Efficiency ratio | 64.2897% | 4,195 |
| Assets per employee ($millions) | 4.7189% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 2,367 |
| Loan loss allowance to noncurrent loans | 48.7440% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 3.7597% | 325 |
| Noncurrent loans to loans | 2.9746% | 597 |
| Net loans and leases to total assets | 80.2391% | 793 |
| Net loans and leases to deposits | 91.5334% | 1,461 |
| Net loans and leases to core deposits | 116.7860% | 560 |
| Total domestic deposits to total assets | 87.6610% | 1,724 |
| Equity capital to assets | 8.7383% | 5,550 |
| Core capital (leverage) ratio | 8.8179% | 5,220 |
| Tier 1 risk-based capital ratio | 10.4068% | 5,918 |
| Total risk-based capital ratio | 11.6586% | 5,852 |
| Memoranda: | ||
| Average total assets | $434,072,500 | 1,544 |
| Average earning assets | $398,737,500 | 1,549 |
| Average equity | $37,547,000 | 1,921 |
| Average total loans | $355,178,500 | 1,280 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7827% | 920 |
| Cost of funding earning assets | 0.5720% | 1,630 |
| Net interest margin | 4.2107% | 1,090 |
| Noninterest income to average assets | 0.4620% | 3,618 |
| Noninterest expense to average assets | 2.8284% | 3,135 |
| Loan and lease loss provision to assets | 0.0462% | 3,192 |
| Net operating income to assets | 0.9568% | 2,598 |
| Return on assets (ROA) | 1.0197% | 2,403 |
| Pretax return on assets | 1.5534% | 1,471 |
| Return on Equity (ROE) | 11.8295% | 1,424 |
| Retained earnings to average equity (ytd only) | 11.8295% | 411 |
| Net charge-offs to loans | 0.3329% | 793 |
| Credit loss provision to net charge-offs | 16.9492% | 3,046 |
| Earnings coverage of net charge-offs (x) | 5.5136% | 2,914 |
| Efficiency ratio | 65.1190% | 4,171 |
| Assets per employee ($millions) | 4.5688% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 5,064 |
| Loan loss allowance to noncurrent loans | 29.4082% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 4.0280% | 332 |
| Noncurrent loans to loans | 3.2576% | 571 |
| Net loans and leases to total assets | 81.0817% | 659 |
| Net loans and leases to deposits | 94.2291% | 1,128 |
| Net loans and leases to core deposits | 121.2187% | 437 |
| Total domestic deposits to total assets | 86.0474% | 2,672 |
| Equity capital to assets | 8.7521% | 5,481 |
| Core capital (leverage) ratio | 8.9434% | 5,035 |
| Tier 1 risk-based capital ratio | 10.6183% | 5,875 |
| Total risk-based capital ratio | 11.5536% | 5,937 |
| Memoranda: | ||
| Average total assets | $432,476,000 | 1,559 |
| Average earning assets | $397,557,330 | 1,559 |
| Average equity | $37,279,670 | 1,936 |
| Average total loans | $354,464,670 | 1,285 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7569% | 931 |
| Cost of funding earning assets | 0.5784% | 1,591 |
| Net interest margin | 4.1785% | 1,111 |
| Noninterest income to average assets | 0.4401% | 3,694 |
| Noninterest expense to average assets | 2.8705% | 3,004 |
| Loan and lease loss provision to assets | 0.0927% | 2,139 |
| Net operating income to assets | 0.8600% | 2,964 |
| Return on assets (ROA) | 0.9840% | 2,459 |
| Pretax return on assets | 1.5103% | 1,534 |
| Return on Equity (ROE) | 11.5041% | 1,478 |
| Retained earnings to average equity (ytd only) | 11.5041% | 642 |
| Net charge-offs to loans | 0.0395% | 2,428 |
| Credit loss provision to net charge-offs | 285.7143% | 841 |
| Earnings coverage of net charge-offs (x) | 43.5429% | 923 |
| Efficiency ratio | 66.8758% | 4,003 |
| Assets per employee ($millions) | 4.6306% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 4,431 |
| Loan loss allowance to noncurrent loans | 27.2471% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 4.2442% | 337 |
| Noncurrent loans to loans | 4.0975% | 418 |
| Net loans and leases to total assets | 80.5571% | 628 |
| Net loans and leases to deposits | 91.6016% | 1,232 |
| Net loans and leases to core deposits | 114.2987% | 569 |
| Total domestic deposits to total assets | 87.9429% | 1,865 |
| Equity capital to assets | 8.6209% | 5,640 |
| Core capital (leverage) ratio | 8.7468% | 5,266 |
| Tier 1 risk-based capital ratio | 10.4133% | 6,045 |
| Total risk-based capital ratio | 11.5126% | 6,042 |
| Memoranda: | ||
| Average total assets | $431,697,000 | 1,571 |
| Average earning assets | $396,984,000 | 1,570 |
| Average equity | $36,926,000 | 1,968 |
| Average total loans | $354,034,000 | 1,281 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8947% | 933 |
| Cost of funding earning assets | 0.6328% | 1,533 |
| Net interest margin | 4.2619% | 1,141 |
| Noninterest income to average assets | 0.5383% | 3,249 |
| Noninterest expense to average assets | 2.7814% | 3,552 |
| Loan and lease loss provision to assets | 0.5160% | 292 |
| Net operating income to assets | 0.7795% | 3,476 |
| Return on assets (ROA) | 0.8081% | 3,423 |
| Pretax return on assets | 1.1768% | 2,750 |
| Return on Equity (ROE) | 9.4262% | 2,376 |
| Retained earnings to average equity (ytd only) | 4.7214% | 2,821 |
| Net charge-offs to loans | 0.8629% | 383 |
| Credit loss provision to net charge-offs | 73.3311% | 2,997 |
| Earnings coverage of net charge-offs (x) | 2.3466% | 4,180 |
| Efficiency ratio | 62.5863% | 4,815 |
| Assets per employee ($millions) | 4.5590% | 2,942 |
| Cash dividends to net income (ytd only)* | 49.9119% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 5,394 |
| Loan loss allowance to noncurrent loans | 22.0436% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 4.6438% | 321 |
| Noncurrent loans to loans | 4.1892% | 420 |
| Net loans and leases to total assets | 81.7167% | 554 |
| Net loans and leases to deposits | 95.2026% | 972 |
| Net loans and leases to core deposits | 117.8675% | 471 |
| Total domestic deposits to total assets | 85.8345% | 2,926 |
| Equity capital to assets | 8.6039% | 5,644 |
| Core capital (leverage) ratio | 8.6779% | 5,365 |
| Tier 1 risk-based capital ratio | 10.7157% | 6,020 |
| Total risk-based capital ratio | 11.6660% | 6,077 |
| Memoranda: | ||
| Average total assets | $421,481,200 | 1,575 |
| Average earning assets | $385,129,200 | 1,580 |
| Average equity | $36,133,200 | 1,945 |
| Average total loans | $343,722,400 | 1,279 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9005% | 926 |
| Cost of funding earning assets | 0.6430% | 1,503 |
| Net interest margin | 4.2575% | 1,136 |
| Noninterest income to average assets | 0.5350% | 3,292 |
| Noninterest expense to average assets | 2.7774% | 3,551 |
| Loan and lease loss provision to assets | 0.0556% | 3,260 |
| Net operating income to assets | 1.0523% | 2,227 |
| Return on assets (ROA) | 1.0890% | 2,149 |
| Pretax return on assets | 1.6446% | 1,194 |
| Return on Equity (ROE) | 12.7142% | 1,295 |
| Retained earnings to average equity (ytd only) | 12.7142% | 356 |
| Net charge-offs to loans | 0.3766% | 1,060 |
| Credit loss provision to net charge-offs | 18.1535% | 3,603 |
| Earnings coverage of net charge-offs (x) | 5.3703% | 3,276 |
| Efficiency ratio | 62.6509% | 4,790 |
| Assets per employee ($millions) | 4.4991% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 5,387 |
| Loan loss allowance to noncurrent loans | 19.3770% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 5.4507% | 282 |
| Noncurrent loans to loans | 4.9451% | 378 |
| Net loans and leases to total assets | 79.8213% | 735 |
| Net loans and leases to deposits | 91.4236% | 1,289 |
| Net loans and leases to core deposits | 111.3671% | 690 |
| Total domestic deposits to total assets | 87.3093% | 2,148 |
| Equity capital to assets | 9.0261% | 5,325 |
| Core capital (leverage) ratio | 9.2093% | 4,771 |
| Tier 1 risk-based capital ratio | 11.6967% | 5,673 |
| Total risk-based capital ratio | 12.6884% | 5,756 |
| Memoranda: | ||
| Average total assets | $419,714,250 | 1,590 |
| Average earning assets | $383,191,750 | 1,598 |
| Average equity | $35,948,500 | 1,961 |
| Average total loans | $341,288,000 | 1,291 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9198% | 878 |
| Cost of funding earning assets | 0.6527% | 1,491 |
| Net interest margin | 4.2671% | 1,098 |
| Noninterest income to average assets | 0.5093% | 3,408 |
| Noninterest expense to average assets | 2.7106% | 3,818 |
| Loan and lease loss provision to assets | 0.0836% | 2,630 |
| Net operating income to assets | 1.0445% | 2,142 |
| Return on assets (ROA) | 1.0448% | 2,204 |
| Pretax return on assets | 1.6071% | 1,238 |
| Return on Equity (ROE) | 12.4237% | 1,328 |
| Retained earnings to average equity (ytd only) | 12.4237% | 384 |
| Net charge-offs to loans | 0.3720% | 1,096 |
| Credit loss provision to net charge-offs | 27.5591% | 3,090 |
| Earnings coverage of net charge-offs (x) | 5.5717% | 2,906 |
| Efficiency ratio | 61.4307% | 5,086 |
| Assets per employee ($millions) | 4.4649% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 5,121 |
| Loan loss allowance to noncurrent loans | 27.3738% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 4.8082% | 384 |
| Noncurrent loans to loans | 3.8313% | 639 |
| Net loans and leases to total assets | 80.8174% | 590 |
| Net loans and leases to deposits | 92.3627% | 1,111 |
| Net loans and leases to core deposits | 111.6826% | 619 |
| Total domestic deposits to total assets | 87.5001% | 2,197 |
| Equity capital to assets | 8.7491% | 5,575 |
| Core capital (leverage) ratio | 8.9270% | 5,122 |
| Tier 1 risk-based capital ratio | 11.1771% | 5,973 |
| Total risk-based capital ratio | 12.2552% | 5,990 |
| Memoranda: | ||
| Average total assets | $418,647,000 | 1,595 |
| Average earning assets | $381,801,330 | 1,606 |
| Average equity | $35,207,000 | 1,983 |
| Average total loans | $341,436,330 | 1,288 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9171% | 845 |
| Cost of funding earning assets | 0.6627% | 1,493 |
| Net interest margin | 4.2544% | 1,088 |
| Noninterest income to average assets | 0.5214% | 3,258 |
| Noninterest expense to average assets | 2.7236% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0829% | 1,884 |
| Return on assets (ROA) | 1.0829% | 1,949 |
| Pretax return on assets | 1.6732% | 1,026 |
| Return on Equity (ROE) | 13.1435% | 1,127 |
| Retained earnings to average equity (ytd only) | 13.1435% | 468 |
| Net charge-offs to loans | 0.0998% | 2,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 20.5765% | 1,328 |
| Efficiency ratio | 61.7711% | 5,158 |
| Assets per employee ($millions) | 4.4684% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 4,828 |
| Loan loss allowance to noncurrent loans | 41.6667% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 3.8893% | 628 |
| Noncurrent loans to loans | 2.7805% | 1,206 |
| Net loans and leases to total assets | 80.6377% | 488 |
| Net loans and leases to deposits | 91.5373% | 989 |
| Net loans and leases to core deposits | 110.3851% | 575 |
| Total domestic deposits to total assets | 88.0927% | 2,179 |
| Equity capital to assets | 8.3868% | 5,756 |
| Core capital (leverage) ratio | 8.7024% | 5,378 |
| Tier 1 risk-based capital ratio | 10.9097% | 6,187 |
| Total risk-based capital ratio | 12.1059% | 6,164 |
| Memoranda: | ||
| Average total assets | $418,121,000 | 1,602 |
| Average earning assets | $380,872,500 | 1,618 |
| Average equity | $34,450,500 | 2,013 |
| Average total loans | $340,762,000 | 1,285 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 946 |
| Cost of funding earning assets | 0.8123% | 1,146 |
| Net interest margin | 4.1713% | 1,440 |
| Noninterest income to average assets | 0.4734% | 3,935 |
| Noninterest expense to average assets | 2.7469% | 3,921 |
| Loan and lease loss provision to assets | 0.3388% | 941 |
| Net operating income to assets | 0.7760% | 3,413 |
| Return on assets (ROA) | 0.9689% | 2,541 |
| Pretax return on assets | 1.4780% | 1,517 |
| Return on Equity (ROE) | 11.8137% | 1,481 |
| Retained earnings to average equity (ytd only) | 7.3138% | 1,311 |
| Net charge-offs to loans | 0.1103% | 3,725 |
| Credit loss provision to net charge-offs | 381.4404% | 596 |
| Earnings coverage of net charge-offs (x) | 17.1634% | 1,735 |
| Efficiency ratio | 64.1359% | 4,871 |
| Assets per employee ($millions) | 4.5241% | 2,861 |
| Cash dividends to net income (ytd only)* | 38.0904% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 4,675 |
| Loan loss allowance to noncurrent loans | 41.5812% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 3.9900% | 668 |
| Noncurrent loans to loans | 2.8779% | 1,221 |
| Net loans and leases to total assets | 80.4390% | 548 |
| Net loans and leases to deposits | 93.2492% | 938 |
| Net loans and leases to core deposits | 111.1975% | 567 |
| Total domestic deposits to total assets | 86.2624% | 3,130 |
| Equity capital to assets | 8.0905% | 5,946 |
| Core capital (leverage) ratio | 8.4676% | 5,707 |
| Tier 1 risk-based capital ratio | 10.6328% | 6,319 |
| Total risk-based capital ratio | 11.8623% | 6,288 |
| Memoranda: | ||
| Average total assets | $406,426,400 | 1,623 |
| Average earning assets | $370,049,400 | 1,636 |
| Average equity | $33,334,200 | 2,067 |
| Average total loans | $327,272,400 | 1,302 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9403% | 1,046 |
| Cost of funding earning assets | 0.8450% | 1,073 |
| Net interest margin | 4.0953% | 1,650 |
| Noninterest income to average assets | 0.4947% | 3,848 |
| Noninterest expense to average assets | 2.7030% | 4,009 |
| Loan and lease loss provision to assets | 0.4053% | 741 |
| Net operating income to assets | 0.7552% | 3,578 |
| Return on assets (ROA) | 0.9878% | 2,528 |
| Pretax return on assets | 1.4637% | 1,716 |
| Return on Equity (ROE) | 12.0020% | 1,474 |
| Retained earnings to average equity (ytd only) | 12.0020% | 425 |
| Net charge-offs to loans | 0.2224% | 2,476 |
| Credit loss provision to net charge-offs | 226.9871% | 1,074 |
| Earnings coverage of net charge-offs (x) | 8.5231% | 2,614 |
| Efficiency ratio | 63.8075% | 4,831 |
| Assets per employee ($millions) | 4.6026% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,297 |
| Loan loss allowance to noncurrent loans | 40.0344% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 4.0062% | 777 |
| Noncurrent loans to loans | 2.7641% | 1,519 |
| Net loans and leases to total assets | 80.3858% | 507 |
| Net loans and leases to deposits | 93.5504% | 858 |
| Net loans and leases to core deposits | 109.7790% | 581 |
| Total domestic deposits to total assets | 85.9278% | 3,301 |
| Equity capital to assets | 8.2091% | 5,993 |
| Core capital (leverage) ratio | 8.7958% | 5,421 |
| Tier 1 risk-based capital ratio | 10.8206% | 6,355 |
| Total risk-based capital ratio | 11.9830% | 6,350 |
| Memoranda: | ||
| Average total assets | $403,979,250 | 1,641 |
| Average earning assets | $367,957,000 | 1,650 |
| Average equity | $33,249,250 | 2,095 |
| Average total loans | $324,377,000 | 1,314 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 961 |
| Cost of funding earning assets | 0.8878% | 952 |
| Net interest margin | 4.0798% | 1,597 |
| Noninterest income to average assets | 0.5527% | 3,481 |
| Noninterest expense to average assets | 2.7666% | 3,793 |
| Loan and lease loss provision to assets | 0.5033% | 539 |
| Net operating income to assets | 0.6768% | 3,924 |
| Return on assets (ROA) | 0.9307% | 2,795 |
| Pretax return on assets | 1.3811% | 1,999 |
| Return on Equity (ROE) | 11.2979% | 1,720 |
| Retained earnings to average equity (ytd only) | 11.2979% | 595 |
| Net charge-offs to loans | 0.0824% | 3,546 |
| Credit loss provision to net charge-offs | 763.6364% | 394 |
| Earnings coverage of net charge-offs (x) | 22.8409% | 1,350 |
| Efficiency ratio | 64.5863% | 4,776 |
| Assets per employee ($millions) | 4.3956% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 4,969 |
| Loan loss allowance to noncurrent loans | 51.6150% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 3.6205% | 1,040 |
| Noncurrent loans to loans | 2.3326% | 2,022 |
| Net loans and leases to total assets | 79.4404% | 588 |
| Net loans and leases to deposits | 91.3118% | 1,024 |
| Net loans and leases to core deposits | 105.4606% | 767 |
| Total domestic deposits to total assets | 86.9991% | 2,823 |
| Equity capital to assets | 8.3552% | 5,915 |
| Core capital (leverage) ratio | 8.7019% | 5,416 |
| Tier 1 risk-based capital ratio | 10.9044% | 6,375 |
| Total risk-based capital ratio | 12.2074% | 6,324 |
| Memoranda: | ||
| Average total assets | $400,560,670 | 1,653 |
| Average earning assets | $365,165,000 | 1,657 |
| Average equity | $32,997,330 | 2,110 |
| Average total loans | $320,265,330 | 1,328 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9138% | 1,044 |
| Cost of funding earning assets | 0.9336% | 836 |
| Net interest margin | 3.9802% | 1,863 |
| Noninterest income to average assets | 0.5408% | 3,493 |
| Noninterest expense to average assets | 2.7182% | 3,989 |
| Loan and lease loss provision to assets | 0.9713% | 184 |
| Net operating income to assets | 0.3315% | 5,438 |
| Return on assets (ROA) | 0.8238% | 3,173 |
| Pretax return on assets | 1.2011% | 2,571 |
| Return on Equity (ROE) | 10.0730% | 2,034 |
| Retained earnings to average equity (ytd only) | 10.0730% | 1,086 |
| Net charge-offs to loans | 0.1737% | 2,357 |
| Credit loss provision to net charge-offs | 701.4493% | 402 |
| Earnings coverage of net charge-offs (x) | 10.5362% | 1,730 |
| Efficiency ratio | 64.9051% | 4,839 |
| Assets per employee ($millions) | 4.4540% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 5,183 |
| Loan loss allowance to noncurrent loans | 50.6347% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 3.4102% | 1,268 |
| Noncurrent loans to loans | 2.3673% | 2,199 |
| Net loans and leases to total assets | 78.6806% | 543 |
| Net loans and leases to deposits | 88.1318% | 1,136 |
| Net loans and leases to core deposits | 102.2515% | 811 |
| Total domestic deposits to total assets | 89.2760% | 1,503 |
| Equity capital to assets | 8.3574% | 6,141 |
| Core capital (leverage) ratio | 8.4369% | 5,659 |
| Tier 1 risk-based capital ratio | 10.7856% | 6,491 |
| Total risk-based capital ratio | 12.0696% | 6,449 |
| Memoranda: | ||
| Average total assets | $398,643,500 | 1,678 |
| Average earning assets | $364,200,000 | 1,674 |
| Average equity | $32,602,000 | 2,148 |
| Average total loans | $317,814,000 | 1,336 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4092% | 743 |
| Cost of funding earning assets | 1.0732% | 1,005 |
| Net interest margin | 4.3360% | 1,313 |
| Noninterest income to average assets | 0.5095% | 3,837 |
| Noninterest expense to average assets | 2.7493% | 4,218 |
| Loan and lease loss provision to assets | 0.4724% | 1,311 |
| Net operating income to assets | 0.8879% | 2,877 |
| Return on assets (ROA) | 1.0639% | 2,262 |
| Pretax return on assets | 1.4758% | 1,757 |
| Return on Equity (ROE) | 12.9400% | 1,241 |
| Retained earnings to average equity (ytd only) | 4.9464% | 2,738 |
| Net charge-offs to loans | 0.3032% | 3,128 |
| Credit loss provision to net charge-offs | 203.0508% | 1,267 |
| Earnings coverage of net charge-offs (x) | 7.3232% | 2,632 |
| Efficiency ratio | 61.5621% | 5,301 |
| Assets per employee ($millions) | 4.3552% | 3,246 |
| Cash dividends to net income (ytd only)* | 61.7742% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 6,060 |
| Loan loss allowance to noncurrent loans | 158.2813% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 1.8767% | 2,604 |
| Noncurrent loans to loans | 0.6137% | 4,978 |
| Net loans and leases to total assets | 79.0403% | 558 |
| Net loans and leases to deposits | 88.3127% | 1,230 |
| Net loans and leases to core deposits | 105.3055% | 722 |
| Total domestic deposits to total assets | 89.5005% | 1,241 |
| Equity capital to assets | 7.9929% | 6,410 |
| Core capital (leverage) ratio | 7.8996% | 6,279 |
| Tier 1 risk-based capital ratio | 10.3393% | 6,600 |
| Total risk-based capital ratio | 11.3746% | 6,639 |
| Memoranda: | ||
| Average total assets | $380,392,400 | 1,710 |
| Average earning assets | $345,963,200 | 1,721 |
| Average equity | $31,275,000 | 2,184 |
| Average total loans | $291,909,000 | 1,437 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4547% | 750 |
| Cost of funding earning assets | 1.0962% | 1,075 |
| Net interest margin | 4.3586% | 1,323 |
| Noninterest income to average assets | 0.5033% | 3,909 |
| Noninterest expense to average assets | 2.6800% | 4,454 |
| Loan and lease loss provision to assets | 0.4291% | 1,482 |
| Net operating income to assets | 0.8743% | 3,112 |
| Return on assets (ROA) | 1.0589% | 2,471 |
| Pretax return on assets | 1.6371% | 1,459 |
| Return on Equity (ROE) | 12.7865% | 1,389 |
| Retained earnings to average equity (ytd only) | 12.7865% | 409 |
| Net charge-offs to loans | 0.3846% | 2,555 |
| Credit loss provision to net charge-offs | 146.9166% | 1,938 |
| Earnings coverage of net charge-offs (x) | 6.1016% | 2,851 |
| Efficiency ratio | 60.0602% | 5,489 |
| Assets per employee ($millions) | 4.3039% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 6,514 |
| Loan loss allowance to noncurrent loans | 200.2389% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 2.4326% | 2,179 |
| Noncurrent loans to loans | 0.4231% | 5,604 |
| Net loans and leases to total assets | 76.8335% | 864 |
| Net loans and leases to deposits | 87.0443% | 1,476 |
| Net loans and leases to core deposits | 100.7756% | 1,066 |
| Total domestic deposits to total assets | 88.2694% | 1,866 |
| Equity capital to assets | 8.5652% | 6,209 |
| Core capital (leverage) ratio | 8.3867% | 5,912 |
| Tier 1 risk-based capital ratio | 11.2642% | 6,377 |
| Total risk-based capital ratio | 12.1493% | 6,503 |
| Memoranda: | ||
| Average total assets | $377,497,750 | 1,745 |
| Average earning assets | $342,886,750 | 1,756 |
| Average equity | $31,261,250 | 2,203 |
| Average total loans | $286,672,750 | 1,472 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4639% | 775 |
| Cost of funding earning assets | 1.1099% | 1,179 |
| Net interest margin | 4.3540% | 1,328 |
| Noninterest income to average assets | 0.5085% | 3,870 |
| Noninterest expense to average assets | 2.6493% | 4,610 |
| Loan and lease loss provision to assets | 0.4872% | 1,303 |
| Net operating income to assets | 0.8640% | 3,065 |
| Return on assets (ROA) | 1.0893% | 2,305 |
| Pretax return on assets | 1.6723% | 1,334 |
| Return on Equity (ROE) | 13.3093% | 1,279 |
| Retained earnings to average equity (ytd only) | 13.3093% | 407 |
| Net charge-offs to loans | 0.2549% | 3,051 |
| Credit loss provision to net charge-offs | 253.4626% | 1,132 |
| Earnings coverage of net charge-offs (x) | 9.4321% | 2,167 |
| Efficiency ratio | 59.3724% | 5,684 |
| Assets per employee ($millions) | 4.3432% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 6,427 |
| Loan loss allowance to noncurrent loans | 219.7541% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 2.1669% | 2,588 |
| Noncurrent loans to loans | 0.4153% | 5,702 |
| Net loans and leases to total assets | 76.1636% | 949 |
| Net loans and leases to deposits | 85.4523% | 1,661 |
| Net loans and leases to core deposits | 101.0560% | 1,036 |
| Total domestic deposits to total assets | 89.1299% | 1,434 |
| Equity capital to assets | 8.3390% | 6,345 |
| Core capital (leverage) ratio | 8.1256% | 6,128 |
| Tier 1 risk-based capital ratio | 11.0739% | 6,462 |
| Total risk-based capital ratio | 12.0355% | 6,572 |
| Memoranda: | ||
| Average total assets | $375,647,670 | 1,755 |
| Average earning assets | $341,113,670 | 1,764 |
| Average equity | $30,745,330 | 2,218 |
| Average total loans | $283,289,000 | 1,486 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3660% | 972 |
| Cost of funding earning assets | 1.1332% | 1,245 |
| Net interest margin | 4.2328% | 1,662 |
| Noninterest income to average assets | 0.5393% | 3,628 |
| Noninterest expense to average assets | 2.6812% | 4,499 |
| Loan and lease loss provision to assets | 0.5371% | 1,106 |
| Net operating income to assets | 0.8349% | 3,220 |
| Return on assets (ROA) | 1.0721% | 2,383 |
| Pretax return on assets | 1.5071% | 1,852 |
| Return on Equity (ROE) | 13.2264% | 1,344 |
| Retained earnings to average equity (ytd only) | 13.2264% | 652 |
| Net charge-offs to loans | 0.1352% | 3,294 |
| Credit loss provision to net charge-offs | 531.9149% | 629 |
| Earnings coverage of net charge-offs (x) | 16.9362% | 1,330 |
| Efficiency ratio | 61.0568% | 5,446 |
| Assets per employee ($millions) | 4.1883% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 6,554 |
| Loan loss allowance to noncurrent loans | 103.8540% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 2.4810% | 2,382 |
| Noncurrent loans to loans | 0.8592% | 4,955 |
| Net loans and leases to total assets | 74.6389% | 966 |
| Net loans and leases to deposits | 84.1379% | 1,647 |
| Net loans and leases to core deposits | 97.5352% | 1,162 |
| Total domestic deposits to total assets | 88.7103% | 1,880 |
| Equity capital to assets | 8.1399% | 6,423 |
| Core capital (leverage) ratio | 8.1002% | 6,156 |
| Tier 1 risk-based capital ratio | 10.9716% | 6,553 |
| Total risk-based capital ratio | 11.8972% | 6,679 |
| Memoranda: | ||
| Average total assets | $372,369,000 | 1,777 |
| Average earning assets | $338,877,000 | 1,785 |
| Average equity | $30,182,000 | 2,249 |
| Average total loans | $278,042,500 | 1,520 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6891% | 796 |
| Cost of funding earning assets | 1.4145% | 975 |
| Net interest margin | 4.2746% | 1,788 |
| Noninterest income to average assets | 0.5478% | 3,525 |
| Noninterest expense to average assets | 2.7876% | 4,393 |
| Loan and lease loss provision to assets | 0.1828% | 4,364 |
| Net operating income to assets | 1.0248% | 2,105 |
| Return on assets (ROA) | 1.1167% | 1,893 |
| Pretax return on assets | 1.5916% | 1,223 |
| Return on Equity (ROE) | 13.8936% | 957 |
| Retained earnings to average equity (ytd only) | 4.8184% | 2,774 |
| Net charge-offs to loans | 0.2680% | 4,090 |
| Credit loss provision to net charge-offs | 91.3343% | 3,951 |
| Earnings coverage of net charge-offs (x) | 8.2105% | 2,187 |
| Efficiency ratio | 62.9163% | 5,315 |
| Assets per employee ($millions) | 4.0866% | 3,675 |
| Cash dividends to net income (ytd only)* | 65.3192% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7814% | 6,780 |
| Loan loss allowance to noncurrent loans | 161.2585% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 2.1213% | 2,827 |
| Noncurrent loans to loans | 0.4846% | 5,742 |
| Net loans and leases to total assets | 73.4319% | 1,370 |
| Net loans and leases to deposits | 83.4494% | 1,997 |
| Net loans and leases to core deposits | 96.8709% | 1,422 |
| Total domestic deposits to total assets | 87.9957% | 2,156 |
| Equity capital to assets | 8.0700% | 6,526 |
| Core capital (leverage) ratio | 7.9071% | 6,352 |
| Tier 1 risk-based capital ratio | 11.1234% | 6,394 |
| Total risk-based capital ratio | 11.9395% | 6,580 |
| Memoranda: | ||
| Average total assets | $363,288,000 | 1,788 |
| Average earning assets | $329,999,200 | 1,793 |
| Average equity | $29,200,600 | 2,255 |
| Average total loans | $271,281,800 | 1,559 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7317% | 804 |
| Cost of funding earning assets | 1.4667% | 963 |
| Net interest margin | 4.2651% | 1,850 |
| Noninterest income to average assets | 0.5747% | 3,338 |
| Noninterest expense to average assets | 2.7784% | 4,419 |
| Loan and lease loss provision to assets | 0.1601% | 4,462 |
| Net operating income to assets | 0.9966% | 2,335 |
| Return on assets (ROA) | 1.1126% | 2,065 |
| Pretax return on assets | 1.6839% | 1,176 |
| Return on Equity (ROE) | 13.8554% | 1,067 |
| Retained earnings to average equity (ytd only) | 13.1677% | 364 |
| Net charge-offs to loans | 0.3773% | 3,221 |
| Credit loss provision to net charge-offs | 56.7145% | 4,881 |
| Earnings coverage of net charge-offs (x) | 5.9087% | 2,671 |
| Efficiency ratio | 62.4803% | 5,336 |
| Assets per employee ($millions) | 4.0344% | 3,771 |
| Cash dividends to net income (ytd only)* | 4.9637% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6856% | 6,987 |
| Loan loss allowance to noncurrent loans | 145.0429% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 2.1732% | 2,935 |
| Noncurrent loans to loans | 0.4727% | 5,900 |
| Net loans and leases to total assets | 72.5165% | 1,609 |
| Net loans and leases to deposits | 81.6865% | 2,419 |
| Net loans and leases to core deposits | 94.6795% | 1,725 |
| Total domestic deposits to total assets | 88.7741% | 1,562 |
| Equity capital to assets | 8.3918% | 6,404 |
| Core capital (leverage) ratio | 8.2716% | 6,019 |
| Tier 1 risk-based capital ratio | 11.5829% | 6,185 |
| Total risk-based capital ratio | 12.2999% | 6,499 |
| Memoranda: | ||
| Average total assets | $362,161,500 | 1,805 |
| Average earning assets | $328,803,750 | 1,808 |
| Average equity | $29,080,500 | 2,265 |
| Average total loans | $271,051,000 | 1,578 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8237% | 684 |
| Cost of funding earning assets | 1.5222% | 930 |
| Net interest margin | 4.3015% | 1,642 |
| Noninterest income to average assets | 0.5591% | 3,410 |
| Noninterest expense to average assets | 2.7419% | 4,653 |
| Loan and lease loss provision to assets | 0.1865% | 4,049 |
| Net operating income to assets | 1.0200% | 2,140 |
| Return on assets (ROA) | 1.0825% | 2,023 |
| Pretax return on assets | 1.6293% | 1,203 |
| Return on Equity (ROE) | 13.6942% | 1,049 |
| Retained earnings to average equity (ytd only) | 12.6375% | 431 |
| Net charge-offs to loans | 0.4228% | 2,868 |
| Credit loss provision to net charge-offs | 58.4642% | 4,379 |
| Earnings coverage of net charge-offs (x) | 5.3944% | 2,617 |
| Efficiency ratio | 61.4348% | 5,665 |
| Assets per employee ($millions) | 3.9466% | 3,876 |
| Cash dividends to net income (ytd only)* | 7.7160% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7181% | 6,996 |
| Loan loss allowance to noncurrent loans | 364.8598% | 876 |
| Noncurrent assets plus other real estate owned to assets | 1.6172% | 3,768 |
| Noncurrent loans to loans | 0.1968% | 6,515 |
| Net loans and leases to total assets | 74.3315% | 1,355 |
| Net loans and leases to deposits | 84.4826% | 2,035 |
| Net loans and leases to core deposits | 101.2831% | 1,231 |
| Total domestic deposits to total assets | 87.9844% | 2,146 |
| Equity capital to assets | 8.2030% | 6,511 |
| Core capital (leverage) ratio | 8.0533% | 6,229 |
| Tier 1 risk-based capital ratio | 11.4033% | 6,242 |
| Total risk-based capital ratio | 12.1814% | 6,549 |
| Memoranda: | ||
| Average total assets | $359,161,670 | 1,826 |
| Average earning assets | $325,976,000 | 1,828 |
| Average equity | $28,391,670 | 2,286 |
| Average total loans | $271,064,330 | 1,594 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7334% | 829 |
| Cost of funding earning assets | 1.5614% | 946 |
| Net interest margin | 4.1720% | 1,995 |
| Noninterest income to average assets | 0.4782% | 4,064 |
| Noninterest expense to average assets | 2.7357% | 4,693 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0617% | 1,969 |
| Return on assets (ROA) | 1.0594% | 2,026 |
| Pretax return on assets | 1.5241% | 1,380 |
| Return on Equity (ROE) | 13.6629% | 1,051 |
| Retained earnings to average equity (ytd only) | 12.9407% | 599 |
| Net charge-offs to loans | 0.0901% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 22.3607% | 1,054 |
| Efficiency ratio | 64.1713% | 5,337 |
| Assets per employee ($millions) | 4.1492% | 3,543 |
| Cash dividends to net income (ytd only)* | 5.2854% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7956% | 6,931 |
| Loan loss allowance to noncurrent loans | 87.9026% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.7854% | 3,596 |
| Noncurrent loans to loans | 0.9051% | 5,236 |
| Net loans and leases to total assets | 71.8855% | 1,745 |
| Net loans and leases to deposits | 82.4779% | 2,278 |
| Net loans and leases to core deposits | 98.7020% | 1,455 |
| Total domestic deposits to total assets | 87.1573% | 2,852 |
| Equity capital to assets | 7.6616% | 6,774 |
| Core capital (leverage) ratio | 7.9835% | 6,275 |
| Tier 1 risk-based capital ratio | 11.0480% | 6,478 |
| Total risk-based capital ratio | 11.8859% | 6,716 |
| Memoranda: | ||
| Average total assets | $357,199,000 | 1,844 |
| Average earning assets | $324,066,000 | 1,852 |
| Average equity | $27,695,500 | 2,322 |
| Average total loans | $270,676,500 | 1,620 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1087% | 688 |
| Cost of funding earning assets | 1.7622% | 1,330 |
| Net interest margin | 4.3466% | 1,659 |
| Noninterest income to average assets | 0.5993% | 3,481 |
| Noninterest expense to average assets | 2.9173% | 4,153 |
| Loan and lease loss provision to assets | 0.1732% | 5,486 |
| Net operating income to assets | 0.9899% | 2,071 |
| Return on assets (ROA) | 1.1481% | 1,632 |
| Pretax return on assets | 1.6717% | 993 |
| Return on Equity (ROE) | 15.0593% | 707 |
| Retained earnings to average equity (ytd only) | 5.5256% | 2,091 |
| Net charge-offs to loans | 0.2487% | 4,799 |
| Credit loss provision to net charge-offs | 88.4080% | 5,190 |
| Earnings coverage of net charge-offs (x) | 8.2457% | 1,996 |
| Efficiency ratio | 64.3573% | 5,290 |
| Assets per employee ($millions) | 3.7109% | 4,434 |
| Cash dividends to net income (ytd only)* | 63.3078% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7996% | 6,970 |
| Loan loss allowance to noncurrent loans | 87.0724% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.8348% | 3,584 |
| Noncurrent loans to loans | 0.9183% | 5,220 |
| Net loans and leases to total assets | 78.6909% | 850 |
| Net loans and leases to deposits | 91.2955% | 1,356 |
| Net loans and leases to core deposits | 106.6305% | 1,145 |
| Total domestic deposits to total assets | 86.1936% | 3,249 |
| Equity capital to assets | 7.8519% | 6,638 |
| Core capital (leverage) ratio | 8.0716% | 6,074 |
| Tier 1 risk-based capital ratio | 10.5264% | 6,680 |
| Total risk-based capital ratio | 11.3643% | 6,907 |
| Memoranda: | ||
| Average total assets | $330,201,000 | 1,972 |
| Average earning assets | $298,834,200 | 1,988 |
| Average equity | $25,173,800 | 2,534 |
| Average total loans | $260,166,600 | 1,701 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1208% | 732 |
| Cost of funding earning assets | 1.8032% | 1,407 |
| Net interest margin | 4.3176% | 1,786 |
| Noninterest income to average assets | 0.5693% | 3,653 |
| Noninterest expense to average assets | 2.8776% | 4,171 |
| Loan and lease loss provision to assets | 0.2344% | 4,730 |
| Net operating income to assets | 0.9146% | 2,552 |
| Return on assets (ROA) | 1.1215% | 1,932 |
| Pretax return on assets | 1.6785% | 1,156 |
| Return on Equity (ROE) | 14.8272% | 893 |
| Retained earnings to average equity (ytd only) | 14.8272% | 223 |
| Net charge-offs to loans | 0.0924% | 5,602 |
| Credit loss provision to net charge-offs | 322.4719% | 983 |
| Earnings coverage of net charge-offs (x) | 22.0672% | 1,108 |
| Efficiency ratio | 64.2063% | 5,209 |
| Assets per employee ($millions) | 3.8362% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 6,527 |
| Loan loss allowance to noncurrent loans | 147.4501% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.9509% | 5,193 |
| Noncurrent loans to loans | 0.6565% | 5,894 |
| Net loans and leases to total assets | 80.6066% | 651 |
| Net loans and leases to deposits | 96.2857% | 949 |
| Net loans and leases to core deposits | 108.6569% | 1,114 |
| Total domestic deposits to total assets | 83.7161% | 4,265 |
| Equity capital to assets | 8.7326% | 5,963 |
| Core capital (leverage) ratio | 8.6286% | 5,298 |
| Tier 1 risk-based capital ratio | 11.1124% | 6,268 |
| Total risk-based capital ratio | 12.1381% | 6,454 |
| Memoranda: | ||
| Average total assets | $326,472,500 | 2,018 |
| Average earning assets | $295,837,500 | 2,032 |
| Average equity | $24,692,750 | 2,628 |
| Average total loans | $256,767,500 | 1,745 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0962% | 759 |
| Cost of funding earning assets | 1.8425% | 1,470 |
| Net interest margin | 4.2536% | 1,950 |
| Noninterest income to average assets | 0.5267% | 3,905 |
| Noninterest expense to average assets | 2.8640% | 4,210 |
| Loan and lease loss provision to assets | 0.3551% | 3,588 |
| Net operating income to assets | 0.7853% | 3,044 |
| Return on assets (ROA) | 1.0280% | 2,168 |
| Pretax return on assets | 1.5125% | 1,525 |
| Return on Equity (ROE) | 14.3655% | 964 |
| Retained earnings to average equity (ytd only) | 14.3655% | 290 |
| Net charge-offs to loans | 0.0622% | 5,519 |
| Credit loss provision to net charge-offs | 734.6154% | 514 |
| Earnings coverage of net charge-offs (x) | 31.2564% | 895 |
| Efficiency ratio | 65.4674% | 5,071 |
| Assets per employee ($millions) | 3.7128% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 6,041 |
| Loan loss allowance to noncurrent loans | 555.1308% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 6,081 |
| Noncurrent loans to loans | 0.1944% | 6,865 |
| Net loans and leases to total assets | 77.3867% | 1,216 |
| Net loans and leases to deposits | 89.6623% | 1,916 |
| Net loans and leases to core deposits | 99.8925% | 2,031 |
| Total domestic deposits to total assets | 86.3091% | 2,925 |
| Equity capital to assets | 7.3547% | 7,193 |
| Core capital (leverage) ratio | 7.3048% | 6,994 |
| Tier 1 risk-based capital ratio | 9.7795% | 7,149 |
| Total risk-based capital ratio | 10.9143% | 7,191 |
| Memoranda: | ||
| Average total assets | $322,768,670 | 2,055 |
| Average earning assets | $291,987,330 | 2,079 |
| Average equity | $23,097,000 | 2,790 |
| Average total loans | $250,765,000 | 1,808 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0590% | 863 |
| Cost of funding earning assets | 1.8379% | 1,707 |
| Net interest margin | 4.2211% | 1,959 |
| Noninterest income to average assets | 0.5574% | 3,589 |
| Noninterest expense to average assets | 2.8193% | 4,409 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0624% | 1,954 |
| Return on assets (ROA) | 1.0624% | 2,027 |
| Pretax return on assets | 1.5612% | 1,360 |
| Return on Equity (ROE) | 15.0593% | 862 |
| Retained earnings to average equity (ytd only) | 15.0593% | 403 |
| Net charge-offs to loans | 0.0886% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 22.7636% | 1,078 |
| Efficiency ratio | 64.3609% | 5,421 |
| Assets per employee ($millions) | 3.6758% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 6,881 |
| Loan loss allowance to noncurrent loans | 359.1870% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 6,191 |
| Noncurrent loans to loans | 0.2466% | 6,849 |
| Net loans and leases to total assets | 76.4011% | 1,455 |
| Net loans and leases to deposits | 86.4378% | 2,511 |
| Net loans and leases to core deposits | 97.6355% | 2,382 |
| Total domestic deposits to total assets | 88.3885% | 1,857 |
| Equity capital to assets | 7.1524% | 7,309 |
| Core capital (leverage) ratio | 7.2362% | 7,079 |
| Tier 1 risk-based capital ratio | 9.6842% | 7,218 |
| Total risk-based capital ratio | 10.6144% | 7,369 |
| Memoranda: | ||
| Average total assets | $320,789,000 | 2,121 |
| Average earning assets | $290,543,500 | 2,141 |
| Average equity | $22,630,500 | 2,860 |
| Average total loans | $248,346,000 | 1,879 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3763% | 876 |
| Cost of funding earning assets | 2.0863% | 2,533 |
| Net interest margin | 4.2900% | 1,744 |
| Noninterest income to average assets | 0.4853% | 4,525 |
| Noninterest expense to average assets | 2.9976% | 4,153 |
| Loan and lease loss provision to assets | 0.3525% | 4,688 |
| Net operating income to assets | 0.7308% | 2,812 |
| Return on assets (ROA) | 0.7794% | 2,698 |
| Pretax return on assets | 1.0611% | 2,377 |
| Return on Equity (ROE) | 11.0507% | 1,402 |
| Retained earnings to average equity (ytd only) | 6.4017% | 1,189 |
| Net charge-offs to loans | 0.1121% | 6,036 |
| Credit loss provision to net charge-offs | 415.0579% | 760 |
| Earnings coverage of net charge-offs (x) | 15.8610% | 1,282 |
| Efficiency ratio | 68.9962% | 4,828 |
| Assets per employee ($millions) | 3.6564% | 4,634 |
| Cash dividends to net income (ytd only)* | 42.0698% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 6,747 |
| Loan loss allowance to noncurrent loans | 11,320.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 6,282 |
| Noncurrent loans to loans | 0.0081% | 7,423 |
| Net loans and leases to total assets | 77.0444% | 1,571 |
| Net loans and leases to deposits | 91.1502% | 2,024 |
| Net loans and leases to core deposits | 130.1703% | 1,273 |
| Total domestic deposits to total assets | 84.5246% | 3,787 |
| Equity capital to assets | 6.9553% | 7,389 |
| Core capital (leverage) ratio | 6.9917% | 7,246 |
| Tier 1 risk-based capital ratio | 9.3242% | 7,316 |
| Total risk-based capital ratio | 10.2775% | 7,476 |
| Memoranda: | ||
| Average total assets | $304,979,200 | 2,186 |
| Average earning assets | $274,358,600 | 2,211 |
| Average equity | $21,510,000 | 3,010 |
| Average total loans | $230,974,200 | 2,027 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4100% | 911 |
| Cost of funding earning assets | 2.1380% | 2,717 |
| Net interest margin | 4.2720% | 1,802 |
| Noninterest income to average assets | 0.4786% | 4,680 |
| Noninterest expense to average assets | 2.9693% | 4,167 |
| Loan and lease loss provision to assets | 0.3204% | 4,421 |
| Net operating income to assets | 0.7620% | 2,973 |
| Return on assets (ROA) | 0.7747% | 2,981 |
| Pretax return on assets | 1.0447% | 2,754 |
| Return on Equity (ROE) | 10.9442% | 1,637 |
| Retained earnings to average equity (ytd only) | 10.9442% | 480 |
| Net charge-offs to loans | 0.0952% | 5,723 |
| Credit loss provision to net charge-offs | 447.5309% | 883 |
| Earnings coverage of net charge-offs (x) | 18.8276% | 1,331 |
| Efficiency ratio | 68.7788% | 4,830 |
| Assets per employee ($millions) | 3.5189% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 6,972 |
| Loan loss allowance to noncurrent loans | 550.9589% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 5,952 |
| Noncurrent loans to loans | 0.1532% | 7,100 |
| Net loans and leases to total assets | 75.4358% | 2,111 |
| Net loans and leases to deposits | 88.8610% | 2,812 |
| Net loans and leases to core deposits | 128.7896% | 1,514 |
| Total domestic deposits to total assets | 84.8919% | 3,290 |
| Equity capital to assets | 7.3359% | 7,408 |
| Core capital (leverage) ratio | 7.3314% | 7,159 |
| Tier 1 risk-based capital ratio | 9.7317% | 7,212 |
| Total risk-based capital ratio | 10.6103% | 7,438 |
| Memoranda: | ||
| Average total assets | $301,697,750 | 2,217 |
| Average earning assets | $271,090,250 | 2,250 |
| Average equity | $21,356,250 | 3,052 |
| Average total loans | $226,881,250 | 2,073 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4703% | 876 |
| Cost of funding earning assets | 2.2089% | 2,754 |
| Net interest margin | 4.2613% | 1,777 |
| Noninterest income to average assets | 0.4176% | 5,139 |
| Noninterest expense to average assets | 2.9865% | 4,141 |
| Loan and lease loss provision to assets | 0.2854% | 4,296 |
| Net operating income to assets | 0.7068% | 3,222 |
| Return on assets (ROA) | 0.7117% | 3,308 |
| Pretax return on assets | 0.9736% | 3,102 |
| Return on Equity (ROE) | 10.1841% | 1,955 |
| Retained earnings to average equity (ytd only) | 10.1841% | 694 |
| Net charge-offs to loans | 0.0385% | 5,927 |
| Credit loss provision to net charge-offs | 988.3721% | 499 |
| Earnings coverage of net charge-offs (x) | 43.3721% | 765 |
| Efficiency ratio | 70.4578% | 4,689 |
| Assets per employee ($millions) | 3.5390% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 7,170 |
| Loan loss allowance to noncurrent loans | 162.0903% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.8135% | 5,358 |
| Noncurrent loans to loans | 0.4909% | 6,297 |
| Net loans and leases to total assets | 74.9650% | 2,443 |
| Net loans and leases to deposits | 90.6204% | 2,730 |
| Net loans and leases to core deposits | 125.8195% | 1,892 |
| Total domestic deposits to total assets | 82.7242% | 4,374 |
| Equity capital to assets | 7.0396% | 7,594 |
| Core capital (leverage) ratio | 7.4001% | 7,134 |
| Tier 1 risk-based capital ratio | 9.9030% | 7,037 |
| Total risk-based capital ratio | 10.7171% | 7,374 |
| Memoranda: | ||
| Average total assets | $297,869,000 | 2,266 |
| Average earning assets | $267,098,670 | 2,295 |
| Average equity | $20,816,670 | 3,124 |
| Average total loans | $223,087,000 | 2,136 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4930% | 874 |
| Cost of funding earning assets | 2.2829% | 2,779 |
| Net interest margin | 4.2101% | 1,860 |
| Noninterest income to average assets | 0.3421% | 5,719 |
| Noninterest expense to average assets | 2.8782% | 4,237 |
| Loan and lease loss provision to assets | 0.2715% | 3,784 |
| Net operating income to assets | 0.6814% | 3,654 |
| Return on assets (ROA) | 0.7128% | 3,688 |
| Pretax return on assets | 1.0128% | 3,304 |
| Return on Equity (ROE) | 10.2377% | 2,223 |
| Retained earnings to average equity (ytd only) | 10.2377% | 1,132 |
| Net charge-offs to loans | 0.0346% | 5,030 |
| Credit loss provision to net charge-offs | 1,052.6316% | 590 |
| Earnings coverage of net charge-offs (x) | 48.0526% | 752 |
| Efficiency ratio | 69.8978% | 4,603 |
| Assets per employee ($millions) | 3.5109% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 7,352 |
| Loan loss allowance to noncurrent loans | 137.2367% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.8823% | 4,991 |
| Noncurrent loans to loans | 0.5345% | 6,081 |
| Net loans and leases to total assets | 73.0064% | 3,002 |
| Net loans and leases to deposits | 85.8875% | 3,654 |
| Net loans and leases to core deposits | 118.0827% | 2,590 |
| Total domestic deposits to total assets | 85.0024% | 3,207 |
| Equity capital to assets | 6.9137% | 7,716 |
| Core capital (leverage) ratio | 7.3816% | 7,295 |
| Tier 1 risk-based capital ratio | 9.8537% | 7,081 |
| Total risk-based capital ratio | 10.5942% | 7,516 |
| Memoranda: | ||
| Average total assets | $294,628,500 | 2,307 |
| Average earning assets | $264,221,000 | 2,330 |
| Average equity | $20,512,500 | 3,185 |
| Average total loans | $219,637,500 | 2,179 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9408% | 1,280 |
| Cost of funding earning assets | 2.8967% | 2,277 |
| Net interest margin | 4.0442% | 2,930 |
| Noninterest income to average assets | 0.7088% | 3,063 |
| Noninterest expense to average assets | 2.9620% | 4,220 |
| Loan and lease loss provision to assets | 0.1245% | 5,771 |
| Net operating income to assets | 1.5425% | 940 |
| Return on assets (ROA) | 0.3286% | 5,274 |
| Pretax return on assets | 0.0141% | 6,127 |
| Return on Equity (ROE) | 4.4868% | 4,605 |
| Retained earnings to average equity (ytd only) | 0.6698% | 4,832 |
| Net charge-offs to loans | 0.1309% | 4,920 |
| Credit loss provision to net charge-offs | 135.2941% | 3,942 |
| Earnings coverage of net charge-offs (x) | 14.7020% | 2,016 |
| Efficiency ratio | 68.6538% | 4,601 |
| Assets per employee ($millions) | 3.2650% | 5,301 |
| Cash dividends to net income (ytd only)* | 85.0714% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6666% | 7,511 |
| Loan loss allowance to noncurrent loans | 462.6198% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 5,601 |
| Noncurrent loans to loans | 0.1441% | 6,977 |
| Net loans and leases to total assets | 75.0955% | 2,858 |
| Net loans and leases to deposits | 90.2413% | 3,408 |
| Net loans and leases to core deposits | 132.4376% | 1,695 |
| Total domestic deposits to total assets | 83.2164% | 3,679 |
| Equity capital to assets | 7.0130% | 7,732 |
| Core capital (leverage) ratio | 7.4478% | 7,263 |
| Tier 1 risk-based capital ratio | 9.7486% | 7,019 |
| Total risk-based capital ratio | 10.4171% | 7,613 |
| Memoranda: | ||
| Average total assets | $277,216,000 | 2,327 |
| Average earning assets | $247,145,600 | 2,394 |
| Average equity | $20,303,800 | 3,178 |
| Average total loans | $194,766,800 | 2,350 |