Home > Bank of Hillsboro > Performance and Condition Ratios
Bank of Hillsboro, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 3,788 |
| Cost of funding earning assets | 1.4320% | 2,142 |
| Net interest margin | 2.6765% | 3,853 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 1.9453% | 3,743 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9099% | 2,515 |
| Return on assets (ROA) | 0.9178% | 2,462 |
| Pretax return on assets | 1.2438% | 2,020 |
| Return on Equity (ROE) | 13.7100% | 1,555 |
| Retained earnings to average equity (ytd only) | 12.6399% | 555 |
| Net charge-offs to loans | 0.1130% | 838 |
| Credit loss provision to net charge-offs | -18.4275% | 4,433 |
| Earnings coverage of net charge-offs (x) | 17.8821% | 1,958 |
| Efficiency ratio | 59.8654% | 3,094 |
| Assets per employee ($millions) | 5.9480% | 2,865 |
| Cash dividends to net income (ytd only)* | 7.8094% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 2,109 |
| Loan loss allowance to noncurrent loans | 929.1667% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 2,926 |
| Noncurrent loans to loans | 0.1325% | 2,848 |
| Net loans and leases to total assets | 67.2000% | 2,127 |
| Net loans and leases to deposits | 73.0189% | 2,696 |
| Net loans and leases to core deposits | 77.3778% | 2,890 |
| Total domestic deposits to total assets | 92.0300% | 304 |
| Equity capital to assets | 7.5924% | 3,662 |
| Core capital (leverage) ratio | 9.5744% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $558,068,400 | 1,590 |
| Average earning assets | $524,570,600 | 1,566 |
| Average equity | $37,358,000 | 1,962 |
| Average total loans | $360,081,200 | 1,578 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 3,846 |
| Cost of funding earning assets | 1.3021% | 2,138 |
| Net interest margin | 2.6953% | 3,886 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 1.9552% | 3,699 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8543% | 2,847 |
| Return on assets (ROA) | 0.8285% | 2,926 |
| Pretax return on assets | 1.1205% | 2,502 |
| Return on Equity (ROE) | 12.8100% | 1,942 |
| Retained earnings to average equity (ytd only) | 11.3285% | 1,104 |
| Net charge-offs to loans | 0.1626% | 522 |
| Credit loss provision to net charge-offs | 52.1940% | 1,884 |
| Earnings coverage of net charge-offs (x) | 11.6651% | 2,088 |
| Efficiency ratio | 61.8245% | 2,743 |
| Assets per employee ($millions) | 6.1195% | 2,642 |
| Cash dividends to net income (ytd only)* | 11.5407% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 1,601 |
| Loan loss allowance to noncurrent loans | 1,063.9485% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 2,903 |
| Noncurrent loans to loans | 0.1283% | 2,909 |
| Net loans and leases to total assets | 62.9300% | 2,570 |
| Net loans and leases to deposits | 67.3423% | 3,025 |
| Net loans and leases to core deposits | 71.7584% | 3,115 |
| Total domestic deposits to total assets | 93.4500% | 249 |
| Equity capital to assets | 6.3072% | 3,894 |
| Core capital (leverage) ratio | 9.2778% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $557,808,250 | 1,586 |
| Average earning assets | $523,127,000 | 1,565 |
| Average equity | $36,085,000 | 2,005 |
| Average total loans | $355,002,750 | 1,593 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8528% | 3,942 |
| Cost of funding earning assets | 1.1393% | 2,167 |
| Net interest margin | 2.7136% | 3,956 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 1.9468% | 3,720 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.9325% | 2,639 |
| Return on assets (ROA) | 0.8934% | 2,765 |
| Pretax return on assets | 1.1891% | 2,390 |
| Return on Equity (ROE) | 13.6900% | 1,751 |
| Retained earnings to average equity (ytd only) | 11.4805% | 1,078 |
| Net charge-offs to loans | 0.2469% | 333 |
| Credit loss provision to net charge-offs | 61.8391% | 1,619 |
| Earnings coverage of net charge-offs (x) | 8.5057% | 2,056 |
| Efficiency ratio | 59.3094% | 3,041 |
| Assets per employee ($millions) | 6.1471% | 2,581 |
| Cash dividends to net income (ytd only)* | 16.1616% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 1,590 |
| Loan loss allowance to noncurrent loans | 582.6340% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 2,497 |
| Noncurrent loans to loans | 0.2374% | 2,310 |
| Net loans and leases to total assets | 62.3400% | 2,546 |
| Net loans and leases to deposits | 66.8784% | 3,002 |
| Net loans and leases to core deposits | 71.2207% | 3,053 |
| Total domestic deposits to total assets | 93.2100% | 222 |
| Equity capital to assets | 6.5565% | 3,977 |
| Core capital (leverage) ratio | 9.3743% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $554,040,333 | 1,596 |
| Average earning assets | $519,461,333 | 1,574 |
| Average equity | $36,148,333 | 2,014 |
| Average total loans | $352,304,000 | 1,591 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7506% | 3,945 |
| Cost of funding earning assets | 0.9714% | 2,149 |
| Net interest margin | 2.7792% | 3,973 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.0131% | 3,600 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.6259% | 3,647 |
| Return on assets (ROA) | 0.6126% | 3,623 |
| Pretax return on assets | 0.8628% | 3,325 |
| Return on Equity (ROE) | 9.4100% | 2,945 |
| Retained earnings to average equity (ytd only) | 6.5950% | 2,621 |
| Net charge-offs to loans | -0.0173% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.1739% | 1,949 |
| Assets per employee ($millions) | 5.8210% | 2,919 |
| Cash dividends to net income (ytd only)* | 29.9401% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,242 |
| Loan loss allowance to noncurrent loans | 480.5479% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 2,115 |
| Noncurrent loans to loans | 0.3129% | 2,025 |
| Net loans and leases to total assets | 62.3300% | 2,433 |
| Net loans and leases to deposits | 66.9556% | 2,854 |
| Net loans and leases to core deposits | 71.2707% | 2,866 |
| Total domestic deposits to total assets | 93.0900% | 296 |
| Equity capital to assets | 6.6288% | 3,987 |
| Core capital (leverage) ratio | 9.2303% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $545,222,000 | 1,640 |
| Average earning assets | $509,363,500 | 1,623 |
| Average equity | $35,481,500 | 2,064 |
| Average total loans | $347,770,500 | 1,623 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3124% | 3,559 |
| Cost of funding earning assets | 0.4386% | 1,800 |
| Net interest margin | 2.8738% | 3,744 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.9480% | 3,720 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8605% | 3,114 |
| Return on assets (ROA) | 0.8360% | 3,127 |
| Pretax return on assets | 1.1250% | 2,693 |
| Return on Equity (ROE) | 11.7600% | 2,225 |
| Retained earnings to average equity (ytd only) | 9.1279% | 1,448 |
| Net charge-offs to loans | -0.0038% | 3,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.7262% | 2,671 |
| Assets per employee ($millions) | 5.2179% | 3,498 |
| Cash dividends to net income (ytd only)* | 22.4065% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 1,285 |
| Loan loss allowance to noncurrent loans | 797.4922% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 2,571 |
| Noncurrent loans to loans | 0.1846% | 2,566 |
| Net loans and leases to total assets | 63.3600% | 2,298 |
| Net loans and leases to deposits | 67.9890% | 2,730 |
| Net loans and leases to core deposits | 72.1095% | 2,717 |
| Total domestic deposits to total assets | 93.1900% | 365 |
| Equity capital to assets | 6.3831% | 3,948 |
| Core capital (leverage) ratio | 9.1606% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $533,877,200 | 1,650 |
| Average earning assets | $500,487,400 | 1,626 |
| Average equity | $37,938,800 | 2,001 |
| Average total loans | $313,691,800 | 1,662 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1912% | 3,456 |
| Cost of funding earning assets | 0.3913% | 1,356 |
| Net interest margin | 2.8000% | 3,734 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.8974% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8179% | 3,177 |
| Return on assets (ROA) | 0.8165% | 3,151 |
| Pretax return on assets | 1.1505% | 2,555 |
| Return on Equity (ROE) | 11.2000% | 2,300 |
| Retained earnings to average equity (ytd only) | 8.6285% | 1,777 |
| Net charge-offs to loans | -0.0140% | 3,848 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.1874% | 2,805 |
| Assets per employee ($millions) | 5.5361% | 3,179 |
| Cash dividends to net income (ytd only)* | 22.9779% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 1,187 |
| Loan loss allowance to noncurrent loans | 790.2477% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 2,774 |
| Noncurrent loans to loans | 0.1950% | 2,622 |
| Net loans and leases to total assets | 60.1200% | 2,492 |
| Net loans and leases to deposits | 63.9446% | 2,870 |
| Net loans and leases to core deposits | 67.7555% | 2,824 |
| Total domestic deposits to total assets | 94.0300% | 350 |
| Equity capital to assets | 5.7935% | 4,037 |
| Core capital (leverage) ratio | 9.1345% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $532,984,500 | 1,666 |
| Average earning assets | $499,566,500 | 1,642 |
| Average equity | $38,847,000 | 1,989 |
| Average total loans | $305,711,500 | 1,687 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0884% | 3,334 |
| Cost of funding earning assets | 0.3812% | 1,041 |
| Net interest margin | 2.7072% | 3,689 |
| Noninterest income to average assets | 0.4153% | 2,661 |
| Noninterest expense to average assets | 1.8807% | 3,752 |
| Loan and lease loss provision to assets | 0.0015% | 2,582 |
| Net operating income to assets | 0.7641% | 3,092 |
| Return on assets (ROA) | 0.7656% | 3,051 |
| Pretax return on assets | 1.0793% | 2,485 |
| Return on Equity (ROE) | 9.8164% | 2,397 |
| Retained earnings to average equity (ytd only) | 7.3962% | 1,854 |
| Net charge-offs to loans | -0.0202% | 3,878 |
| Credit loss provision to net charge-offs | -13.3333% | 2,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5459% | 2,834 |
| Assets per employee ($millions) | 5.5279% | 3,199 |
| Cash dividends to net income (ytd only)* | 24.6548% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 1,101 |
| Loan loss allowance to noncurrent loans | 1,131.0421% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 3,129 |
| Noncurrent loans to loans | 0.1434% | 2,986 |
| Net loans and leases to total assets | 58.3124% | 2,499 |
| Net loans and leases to deposits | 63.1509% | 2,792 |
| Net loans and leases to core deposits | 65.7871% | 2,841 |
| Total domestic deposits to total assets | 92.3382% | 710 |
| Equity capital to assets | 6.7281% | 3,926 |
| Core capital (leverage) ratio | 9.0095% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $529,800,000 | 1,679 |
| Average earning assets | $497,927,000 | 1,665 |
| Average equity | $41,318,667 | 1,943 |
| Average total loans | $297,181,667 | 1,717 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9828% | 3,306 |
| Cost of funding earning assets | 0.4060% | 837 |
| Net interest margin | 2.5768% | 3,713 |
| Noninterest income to average assets | 0.4005% | 2,685 |
| Noninterest expense to average assets | 1.8619% | 3,776 |
| Loan and lease loss provision to assets | 0.0015% | 2,266 |
| Net operating income to assets | 0.6744% | 3,146 |
| Return on assets (ROA) | 0.7073% | 3,020 |
| Pretax return on assets | 0.9959% | 2,455 |
| Return on Equity (ROE) | 8.4849% | 2,517 |
| Retained earnings to average equity (ytd only) | 6.2186% | 2,169 |
| Net charge-offs to loans | -0.0319% | 4,109 |
| Credit loss provision to net charge-offs | -8.6957% | 2,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0767% | 2,763 |
| Assets per employee ($millions) | 5.5908% | 3,240 |
| Cash dividends to net income (ytd only)* | 26.7094% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7604% | 943 |
| Loan loss allowance to noncurrent loans | 1,104.5553% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 3,216 |
| Noncurrent loans to loans | 0.1594% | 3,008 |
| Net loans and leases to total assets | 52.9431% | 2,887 |
| Net loans and leases to deposits | 57.3337% | 3,144 |
| Net loans and leases to core deposits | 60.0557% | 3,139 |
| Total domestic deposits to total assets | 92.3419% | 454 |
| Equity capital to assets | 7.4361% | 3,972 |
| Core capital (leverage) ratio | 9.1236% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $529,358,500 | 1,686 |
| Average earning assets | $496,587,000 | 1,677 |
| Average equity | $44,125,500 | 1,914 |
| Average total loans | $288,495,000 | 1,746 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4104% | 2,904 |
| Cost of funding earning assets | 0.5462% | 730 |
| Net interest margin | 2.8642% | 3,525 |
| Noninterest income to average assets | 0.5900% | 2,204 |
| Noninterest expense to average assets | 1.9304% | 3,857 |
| Loan and lease loss provision to assets | 0.0484% | 2,090 |
| Net operating income to assets | 0.9618% | 2,830 |
| Return on assets (ROA) | 0.9618% | 2,898 |
| Pretax return on assets | 1.3032% | 2,349 |
| Return on Equity (ROE) | 10.1108% | 2,484 |
| Retained earnings to average equity (ytd only) | 8.0083% | 1,541 |
| Net charge-offs to loans | -0.0194% | 3,964 |
| Credit loss provision to net charge-offs | -417.2414% | 3,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8178% | 3,313 |
| Assets per employee ($millions) | 5.3265% | 3,448 |
| Cash dividends to net income (ytd only)* | 20.7943% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7609% | 928 |
| Loan loss allowance to noncurrent loans | 1,133.5570% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 3,344 |
| Noncurrent loans to loans | 0.1553% | 3,155 |
| Net loans and leases to total assets | 54.1526% | 2,830 |
| Net loans and leases to deposits | 59.8119% | 3,093 |
| Net loans and leases to core deposits | 63.2451% | 3,049 |
| Total domestic deposits to total assets | 90.5381% | 697 |
| Equity capital to assets | 9.2605% | 3,358 |
| Core capital (leverage) ratio | 9.1913% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $499,998,600 | 1,697 |
| Average earning assets | $469,946,600 | 1,686 |
| Average equity | $47,563,200 | 1,839 |
| Average total loans | $298,582,800 | 1,710 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4275% | 3,021 |
| Cost of funding earning assets | 0.5675% | 754 |
| Net interest margin | 2.8600% | 3,632 |
| Noninterest income to average assets | 0.6328% | 2,086 |
| Noninterest expense to average assets | 1.9157% | 3,906 |
| Loan and lease loss provision to assets | 0.0653% | 1,689 |
| Net operating income to assets | 0.9523% | 3,071 |
| Return on assets (ROA) | 0.9523% | 3,156 |
| Pretax return on assets | 1.3411% | 2,510 |
| Return on Equity (ROE) | 9.9416% | 2,751 |
| Retained earnings to average equity (ytd only) | 7.8305% | 2,109 |
| Net charge-offs to loans | -0.0376% | 4,230 |
| Credit loss provision to net charge-offs | -284.7059% | 3,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6658% | 3,325 |
| Assets per employee ($millions) | 5.0960% | 3,608 |
| Cash dividends to net income (ytd only)* | 21.2344% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7325% | 1,046 |
| Loan loss allowance to noncurrent loans | 205.7351% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 1,582 |
| Noncurrent loans to loans | 0.8421% | 1,356 |
| Net loans and leases to total assets | 56.1353% | 2,715 |
| Net loans and leases to deposits | 62.0599% | 3,031 |
| Net loans and leases to core deposits | 65.8797% | 2,965 |
| Total domestic deposits to total assets | 90.4534% | 584 |
| Equity capital to assets | 9.4096% | 3,464 |
| Core capital (leverage) ratio | 9.2476% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $494,498,000 | 1,729 |
| Average earning assets | $464,973,500 | 1,717 |
| Average equity | $47,369,000 | 1,865 |
| Average total loans | $301,292,500 | 1,733 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4754% | 2,956 |
| Cost of funding earning assets | 0.5942% | 770 |
| Net interest margin | 2.8812% | 3,622 |
| Noninterest income to average assets | 0.6405% | 2,042 |
| Noninterest expense to average assets | 1.9177% | 3,924 |
| Loan and lease loss provision to assets | 0.0738% | 1,602 |
| Net operating income to assets | 0.9533% | 3,054 |
| Return on assets (ROA) | 0.9533% | 3,138 |
| Pretax return on assets | 1.3429% | 2,507 |
| Return on Equity (ROE) | 9.8905% | 2,783 |
| Retained earnings to average equity (ytd only) | 7.7635% | 2,165 |
| Net charge-offs to loans | -0.0514% | 4,386 |
| Credit loss provision to net charge-offs | -230.7692% | 3,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5135% | 3,342 |
| Assets per employee ($millions) | 5.1104% | 3,548 |
| Cash dividends to net income (ytd only)* | 21.5054% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 1,117 |
| Loan loss allowance to noncurrent loans | 170.8603% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5813% | 1,439 |
| Noncurrent loans to loans | 0.9796% | 1,259 |
| Net loans and leases to total assets | 58.3454% | 2,617 |
| Net loans and leases to deposits | 64.5199% | 2,946 |
| Net loans and leases to core deposits | 68.9522% | 2,870 |
| Total domestic deposits to total assets | 90.4301% | 587 |
| Equity capital to assets | 9.4088% | 3,418 |
| Core capital (leverage) ratio | 9.2483% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $487,764,333 | 1,742 |
| Average earning assets | $456,059,000 | 1,738 |
| Average equity | $47,015,000 | 1,867 |
| Average total loans | $303,716,000 | 1,725 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5416% | 2,806 |
| Cost of funding earning assets | 0.6128% | 831 |
| Net interest margin | 2.9287% | 3,441 |
| Noninterest income to average assets | 0.6443% | 2,051 |
| Noninterest expense to average assets | 1.9362% | 3,896 |
| Loan and lease loss provision to assets | 0.0752% | 1,681 |
| Net operating income to assets | 0.9660% | 2,915 |
| Return on assets (ROA) | 0.9660% | 3,011 |
| Pretax return on assets | 1.3604% | 2,394 |
| Return on Equity (ROE) | 9.8969% | 2,728 |
| Retained earnings to average equity (ytd only) | 7.7566% | 2,330 |
| Net charge-offs to loans | -0.1008% | 4,644 |
| Credit loss provision to net charge-offs | -116.8831% | 2,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4226% | 3,377 |
| Assets per employee ($millions) | 5.1309% | 3,502 |
| Cash dividends to net income (ytd only)* | 21.6263% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 1,254 |
| Loan loss allowance to noncurrent loans | 134.0397% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7585% | 1,202 |
| Noncurrent loans to loans | 1.2024% | 1,095 |
| Net loans and leases to total assets | 60.5173% | 2,478 |
| Net loans and leases to deposits | 66.9697% | 2,813 |
| Net loans and leases to core deposits | 72.2209% | 2,684 |
| Total domestic deposits to total assets | 90.3652% | 637 |
| Equity capital to assets | 9.3515% | 3,332 |
| Core capital (leverage) ratio | 9.5746% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $478,681,500 | 1,754 |
| Average earning assets | $445,792,000 | 1,757 |
| Average equity | $46,721,500 | 1,865 |
| Average total loans | $305,468,000 | 1,719 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 2,435 |
| Cost of funding earning assets | 0.7762% | 1,314 |
| Net interest margin | 3.3186% | 3,022 |
| Noninterest income to average assets | 0.8117% | 1,498 |
| Noninterest expense to average assets | 2.2022% | 3,659 |
| Loan and lease loss provision to assets | 0.1354% | 2,668 |
| Net operating income to assets | 1.1453% | 1,742 |
| Return on assets (ROA) | 1.1496% | 1,851 |
| Pretax return on assets | 1.5675% | 1,139 |
| Return on Equity (ROE) | 10.7382% | 1,729 |
| Retained earnings to average equity (ytd only) | 8.4992% | 905 |
| Net charge-offs to loans | -0.0096% | 4,254 |
| Credit loss provision to net charge-offs | -2,017.8571% | 4,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4728% | 3,923 |
| Assets per employee ($millions) | 4.5967% | 3,817 |
| Cash dividends to net income (ytd only)* | 20.8507% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 1,389 |
| Loan loss allowance to noncurrent loans | 307.3501% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 2,548 |
| Noncurrent loans to loans | 0.5088% | 2,445 |
| Net loans and leases to total assets | 65.2739% | 2,191 |
| Net loans and leases to deposits | 72.8977% | 2,599 |
| Net loans and leases to core deposits | 79.2655% | 2,422 |
| Total domestic deposits to total assets | 89.5418% | 755 |
| Equity capital to assets | 10.2033% | 2,929 |
| Core capital (leverage) ratio | 9.8570% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $417,173,000 | 1,806 |
| Average earning assets | $388,177,600 | 1,803 |
| Average equity | $44,663,000 | 1,859 |
| Average total loans | $292,040,400 | 1,714 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2469% | 2,257 |
| Cost of funding earning assets | 0.8047% | 1,474 |
| Net interest margin | 3.4422% | 2,774 |
| Noninterest income to average assets | 0.7684% | 1,599 |
| Noninterest expense to average assets | 2.2176% | 3,640 |
| Loan and lease loss provision to assets | 0.0898% | 3,190 |
| Net operating income to assets | 1.1816% | 1,701 |
| Return on assets (ROA) | 1.1875% | 1,803 |
| Pretax return on assets | 1.6726% | 1,020 |
| Return on Equity (ROE) | 10.9467% | 1,698 |
| Retained earnings to average equity (ytd only) | 8.6794% | 1,083 |
| Net charge-offs to loans | -0.0346% | 4,573 |
| Credit loss provision to net charge-offs | -365.3333% | 3,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8243% | 3,940 |
| Assets per employee ($millions) | 4.5606% | 3,773 |
| Cash dividends to net income (ytd only)* | 20.7125% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 1,461 |
| Loan loss allowance to noncurrent loans | 239.6926% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 2,337 |
| Noncurrent loans to loans | 0.6152% | 2,266 |
| Net loans and leases to total assets | 68.3188% | 2,191 |
| Net loans and leases to deposits | 77.2816% | 2,619 |
| Net loans and leases to core deposits | 83.3063% | 2,546 |
| Total domestic deposits to total assets | 88.4024% | 1,013 |
| Equity capital to assets | 10.4291% | 2,852 |
| Core capital (leverage) ratio | 10.1362% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $406,549,750 | 1,819 |
| Average earning assets | $378,428,000 | 1,816 |
| Average equity | $44,103,500 | 1,864 |
| Average total loans | $288,848,250 | 1,727 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 2,503 |
| Cost of funding earning assets | 0.8414% | 1,627 |
| Net interest margin | 3.4480% | 2,949 |
| Noninterest income to average assets | 0.7506% | 1,576 |
| Noninterest expense to average assets | 2.2422% | 3,675 |
| Loan and lease loss provision to assets | 0.0618% | 3,523 |
| Net operating income to assets | 1.1671% | 1,735 |
| Return on assets (ROA) | 1.1764% | 1,843 |
| Pretax return on assets | 1.6568% | 1,088 |
| Return on Equity (ROE) | 10.6894% | 1,746 |
| Retained earnings to average equity (ytd only) | 8.3867% | 1,194 |
| Net charge-offs to loans | -0.0396% | 4,620 |
| Credit loss provision to net charge-offs | -217.8571% | 3,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7762% | 3,851 |
| Assets per employee ($millions) | 4.2699% | 4,036 |
| Cash dividends to net income (ytd only)* | 21.5424% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 1,435 |
| Loan loss allowance to noncurrent loans | 315.2064% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 2,890 |
| Noncurrent loans to loans | 0.4580% | 2,772 |
| Net loans and leases to total assets | 70.2949% | 1,988 |
| Net loans and leases to deposits | 79.8384% | 2,444 |
| Net loans and leases to core deposits | 86.3193% | 2,412 |
| Total domestic deposits to total assets | 88.0464% | 1,151 |
| Equity capital to assets | 10.6567% | 2,614 |
| Core capital (leverage) ratio | 10.4464% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $394,607,667 | 1,831 |
| Average earning assets | $366,068,667 | 1,833 |
| Average equity | $43,426,000 | 1,873 |
| Average total loans | $282,881,333 | 1,735 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4210% | 2,541 |
| Cost of funding earning assets | 0.8758% | 1,988 |
| Net interest margin | 3.5451% | 2,833 |
| Noninterest income to average assets | 0.5024% | 2,538 |
| Noninterest expense to average assets | 2.2925% | 3,785 |
| Loan and lease loss provision to assets | 0.0179% | 3,571 |
| Net operating income to assets | 1.0522% | 1,998 |
| Return on assets (ROA) | 1.0522% | 2,095 |
| Pretax return on assets | 1.4810% | 1,353 |
| Return on Equity (ROE) | 9.3958% | 1,956 |
| Retained earnings to average equity (ytd only) | 7.0492% | 1,518 |
| Net charge-offs to loans | -0.0205% | 4,343 |
| Credit loss provision to net charge-offs | -121.4286% | 3,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4658% | 3,678 |
| Assets per employee ($millions) | 3.9943% | 3,925 |
| Cash dividends to net income (ytd only)* | 24.9750% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 1,318 |
| Loan loss allowance to noncurrent loans | 412.6595% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 3,305 |
| Noncurrent loans to loans | 0.3652% | 3,186 |
| Net loans and leases to total assets | 70.2096% | 2,217 |
| Net loans and leases to deposits | 79.2511% | 2,753 |
| Net loans and leases to core deposits | 85.9767% | 2,682 |
| Total domestic deposits to total assets | 88.5913% | 841 |
| Equity capital to assets | 11.0674% | 2,805 |
| Core capital (leverage) ratio | 11.0242% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $380,552,500 | 1,840 |
| Average earning assets | $353,046,000 | 1,837 |
| Average equity | $42,615,000 | 1,893 |
| Average total loans | $273,571,000 | 1,743 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 3,512 |
| Cost of funding earning assets | 0.8522% | 2,420 |
| Net interest margin | 3.4584% | 3,570 |
| Noninterest income to average assets | 0.5473% | 2,498 |
| Noninterest expense to average assets | 2.3443% | 3,835 |
| Loan and lease loss provision to assets | 0.0155% | 3,707 |
| Net operating income to assets | 1.0354% | 2,712 |
| Return on assets (ROA) | 1.0336% | 2,810 |
| Pretax return on assets | 1.3905% | 2,195 |
| Return on Equity (ROE) | 9.1930% | 2,664 |
| Retained earnings to average equity (ytd only) | 6.9416% | 1,414 |
| Net charge-offs to loans | 0.0135% | 3,211 |
| Credit loss provision to net charge-offs | 161.7647% | 1,597 |
| Earnings coverage of net charge-offs (x) | 147.2647% | 501 |
| Efficiency ratio | 62.4719% | 3,295 |
| Assets per employee ($millions) | 3.8507% | 4,092 |
| Cash dividends to net income (ytd only)* | 24.4898% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 1,072 |
| Loan loss allowance to noncurrent loans | 712.2867% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 3,727 |
| Noncurrent loans to loans | 0.2186% | 3,668 |
| Net loans and leases to total assets | 71.3983% | 2,188 |
| Net loans and leases to deposits | 80.7685% | 2,688 |
| Net loans and leases to core deposits | 87.4896% | 2,658 |
| Total domestic deposits to total assets | 88.3987% | 939 |
| Equity capital to assets | 11.3367% | 2,669 |
| Core capital (leverage) ratio | 11.1920% | 2,346 |
| Tier 1 risk-based capital ratio | 13.6730% | 3,426 |
| Total risk-based capital ratio | 14.9245% | 3,329 |
| Memoranda: | ||
| Average total assets | $355,545,800 | 1,892 |
| Average earning assets | $329,519,200 | 1,880 |
| Average equity | $39,976,200 | 1,934 |
| Average total loans | $251,720,400 | 1,820 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 3,793 |
| Cost of funding earning assets | 0.8327% | 2,554 |
| Net interest margin | 3.4232% | 3,798 |
| Noninterest income to average assets | 0.5405% | 2,509 |
| Noninterest expense to average assets | 2.3377% | 3,858 |
| Loan and lease loss provision to assets | 0.0201% | 3,505 |
| Net operating income to assets | 0.9667% | 3,093 |
| Return on assets (ROA) | 0.9643% | 3,184 |
| Pretax return on assets | 1.3579% | 2,470 |
| Return on Equity (ROE) | 8.5953% | 3,061 |
| Retained earnings to average equity (ytd only) | 6.3165% | 2,213 |
| Net charge-offs to loans | -0.0312% | 4,711 |
| Credit loss provision to net charge-offs | -91.3793% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8641% | 3,186 |
| Assets per employee ($millions) | 3.7568% | 4,210 |
| Cash dividends to net income (ytd only)* | 26.5123% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 932 |
| Loan loss allowance to noncurrent loans | 517.3544% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 3,663 |
| Noncurrent loans to loans | 0.3162% | 3,396 |
| Net loans and leases to total assets | 71.0722% | 2,311 |
| Net loans and leases to deposits | 80.4536% | 2,853 |
| Net loans and leases to core deposits | 86.1959% | 2,895 |
| Total domestic deposits to total assets | 88.3393% | 900 |
| Equity capital to assets | 11.3892% | 2,747 |
| Core capital (leverage) ratio | 11.2148% | 2,460 |
| Tier 1 risk-based capital ratio | 13.7176% | 3,473 |
| Total risk-based capital ratio | 14.9699% | 3,374 |
| Memoranda: | ||
| Average total assets | $352,015,500 | 1,915 |
| Average earning assets | $326,817,250 | 1,908 |
| Average equity | $39,493,250 | 1,965 |
| Average total loans | $247,623,000 | 1,850 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1874% | 3,955 |
| Cost of funding earning assets | 0.8030% | 2,627 |
| Net interest margin | 3.3844% | 3,940 |
| Noninterest income to average assets | 0.5110% | 2,619 |
| Noninterest expense to average assets | 2.3842% | 3,777 |
| Loan and lease loss provision to assets | 0.0292% | 3,235 |
| Net operating income to assets | 0.8839% | 3,344 |
| Return on assets (ROA) | 0.8839% | 3,409 |
| Pretax return on assets | 1.2436% | 2,775 |
| Return on Equity (ROE) | 7.9198% | 3,321 |
| Retained earnings to average equity (ytd only) | 5.6101% | 2,465 |
| Net charge-offs to loans | -0.0452% | 4,807 |
| Credit loss provision to net charge-offs | -92.7273% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1942% | 2,947 |
| Assets per employee ($millions) | 3.7521% | 4,178 |
| Cash dividends to net income (ytd only)* | 29.1640% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7488% | 753 |
| Loan loss allowance to noncurrent loans | 528.4119% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 3,659 |
| Noncurrent loans to loans | 0.3310% | 3,350 |
| Net loans and leases to total assets | 67.8427% | 2,835 |
| Net loans and leases to deposits | 76.8353% | 3,256 |
| Net loans and leases to core deposits | 82.0201% | 3,266 |
| Total domestic deposits to total assets | 88.2962% | 969 |
| Equity capital to assets | 11.4367% | 2,661 |
| Core capital (leverage) ratio | 11.1189% | 2,492 |
| Tier 1 risk-based capital ratio | 14.3107% | 3,159 |
| Total risk-based capital ratio | 15.5643% | 3,082 |
| Memoranda: | ||
| Average total assets | $349,135,330 | 1,937 |
| Average earning assets | $324,545,670 | 1,930 |
| Average equity | $38,965,670 | 1,982 |
| Average total loans | $243,301,000 | 1,880 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 3,967 |
| Cost of funding earning assets | 0.7595% | 2,743 |
| Net interest margin | 3.4035% | 3,875 |
| Noninterest income to average assets | 0.4814% | 2,669 |
| Noninterest expense to average assets | 2.3872% | 3,799 |
| Loan and lease loss provision to assets | 0.0345% | 2,936 |
| Net operating income to assets | 0.8545% | 3,433 |
| Return on assets (ROA) | 0.8545% | 3,474 |
| Pretax return on assets | 1.2022% | 2,792 |
| Return on Equity (ROE) | 7.7534% | 3,358 |
| Retained earnings to average equity (ytd only) | 5.4023% | 2,737 |
| Net charge-offs to loans | -0.0428% | 4,786 |
| Credit loss provision to net charge-offs | -115.3846% | 3,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8723% | 2,956 |
| Assets per employee ($millions) | 3.5557% | 4,512 |
| Cash dividends to net income (ytd only)* | 30.3235% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 796 |
| Loan loss allowance to noncurrent loans | 401.2393% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 3,426 |
| Noncurrent loans to loans | 0.4331% | 3,030 |
| Net loans and leases to total assets | 66.9270% | 2,913 |
| Net loans and leases to deposits | 75.4020% | 3,317 |
| Net loans and leases to core deposits | 80.0032% | 3,372 |
| Total domestic deposits to total assets | 88.7602% | 973 |
| Equity capital to assets | 10.9355% | 2,916 |
| Core capital (leverage) ratio | 11.1222% | 2,452 |
| Tier 1 risk-based capital ratio | 14.1901% | 3,248 |
| Total risk-based capital ratio | 15.4436% | 3,168 |
| Memoranda: | ||
| Average total assets | $347,354,500 | 1,961 |
| Average earning assets | $320,728,500 | 1,957 |
| Average equity | $38,280,000 | 2,002 |
| Average total loans | $243,182,500 | 1,898 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0573% | 3,875 |
| Cost of funding earning assets | 0.5267% | 3,199 |
| Net interest margin | 3.5307% | 3,600 |
| Noninterest income to average assets | 0.5066% | 2,798 |
| Noninterest expense to average assets | 2.4216% | 3,828 |
| Loan and lease loss provision to assets | 0.0662% | 2,829 |
| Net operating income to assets | 0.9601% | 3,180 |
| Return on assets (ROA) | 0.9601% | 3,178 |
| Pretax return on assets | 1.2848% | 2,558 |
| Return on Equity (ROE) | 8.8423% | 3,071 |
| Retained earnings to average equity (ytd only) | 6.3709% | 1,991 |
| Net charge-offs to loans | -0.0535% | 4,995 |
| Credit loss provision to net charge-offs | -169.4656% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1429% | 3,168 |
| Assets per employee ($millions) | 3.4606% | 4,592 |
| Cash dividends to net income (ytd only)* | 27.9503% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7008% | 833 |
| Loan loss allowance to noncurrent loans | 400.4822% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 3,346 |
| Noncurrent loans to loans | 0.4247% | 3,018 |
| Net loans and leases to total assets | 70.7765% | 2,448 |
| Net loans and leases to deposits | 79.8409% | 2,973 |
| Net loans and leases to core deposits | 84.2679% | 3,057 |
| Total domestic deposits to total assets | 88.6469% | 1,005 |
| Equity capital to assets | 11.1095% | 2,586 |
| Core capital (leverage) ratio | 11.2054% | 2,349 |
| Tier 1 risk-based capital ratio | 14.2088% | 3,202 |
| Total risk-based capital ratio | 15.4623% | 3,124 |
| Memoranda: | ||
| Average total assets | $335,392,200 | 1,963 |
| Average earning assets | $310,254,200 | 1,969 |
| Average equity | $36,415,800 | 2,011 |
| Average total loans | $244,953,200 | 1,854 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0119% | 3,888 |
| Cost of funding earning assets | 0.4859% | 3,285 |
| Net interest margin | 3.5260% | 3,614 |
| Noninterest income to average assets | 0.5155% | 2,769 |
| Noninterest expense to average assets | 2.3301% | 4,019 |
| Loan and lease loss provision to assets | 0.0801% | 2,356 |
| Net operating income to assets | 0.9719% | 3,211 |
| Return on assets (ROA) | 0.9719% | 3,223 |
| Pretax return on assets | 1.3686% | 2,347 |
| Return on Equity (ROE) | 9.0043% | 3,087 |
| Retained earnings to average equity (ytd only) | 6.5113% | 2,379 |
| Net charge-offs to loans | -0.1071% | 5,184 |
| Credit loss provision to net charge-offs | -102.0305% | 4,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5993% | 3,573 |
| Assets per employee ($millions) | 3.3960% | 4,688 |
| Cash dividends to net income (ytd only)* | 27.6867% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7470% | 801 |
| Loan loss allowance to noncurrent loans | 204.8804% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6208% | 2,323 |
| Noncurrent loans to loans | 0.8527% | 1,996 |
| Net loans and leases to total assets | 70.9414% | 2,509 |
| Net loans and leases to deposits | 79.8983% | 3,058 |
| Net loans and leases to core deposits | 83.2750% | 3,216 |
| Total domestic deposits to total assets | 88.7896% | 915 |
| Equity capital to assets | 11.0064% | 2,661 |
| Core capital (leverage) ratio | 11.2468% | 2,383 |
| Tier 1 risk-based capital ratio | 14.2756% | 3,227 |
| Total risk-based capital ratio | 15.5298% | 3,142 |
| Memoranda: | ||
| Average total assets | $334,455,000 | 1,976 |
| Average earning assets | $309,540,750 | 1,982 |
| Average equity | $36,100,500 | 2,028 |
| Average total loans | $245,145,250 | 1,856 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9437% | 3,942 |
| Cost of funding earning assets | 0.4471% | 3,380 |
| Net interest margin | 3.4966% | 3,638 |
| Noninterest income to average assets | 0.5110% | 2,796 |
| Noninterest expense to average assets | 2.3015% | 4,136 |
| Loan and lease loss provision to assets | 0.1021% | 1,902 |
| Net operating income to assets | 0.9600% | 3,193 |
| Return on assets (ROA) | 0.9600% | 3,198 |
| Pretax return on assets | 1.3522% | 2,319 |
| Return on Equity (ROE) | 8.9522% | 3,044 |
| Retained earnings to average equity (ytd only) | 6.4469% | 2,337 |
| Net charge-offs to loans | -0.1856% | 5,313 |
| Credit loss provision to net charge-offs | -74.6725% | 4,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1826% | 3,744 |
| Assets per employee ($millions) | 3.4008% | 4,713 |
| Cash dividends to net income (ytd only)* | 27.9851% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 892 |
| Loan loss allowance to noncurrent loans | 191.8228% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 2,194 |
| Noncurrent loans to loans | 0.8917% | 1,936 |
| Net loans and leases to total assets | 72.3965% | 2,214 |
| Net loans and leases to deposits | 82.2308% | 2,747 |
| Net loans and leases to core deposits | 85.2845% | 2,984 |
| Total domestic deposits to total assets | 88.0405% | 1,361 |
| Equity capital to assets | 10.8892% | 2,740 |
| Core capital (leverage) ratio | 10.9620% | 2,561 |
| Tier 1 risk-based capital ratio | 13.8709% | 3,428 |
| Total risk-based capital ratio | 15.1249% | 3,337 |
| Memoranda: | ||
| Average total assets | $335,004,330 | 1,987 |
| Average earning assets | $310,874,330 | 1,982 |
| Average equity | $35,924,000 | 2,038 |
| Average total loans | $246,761,670 | 1,853 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8995% | 3,924 |
| Cost of funding earning assets | 0.4234% | 3,414 |
| Net interest margin | 3.4761% | 3,627 |
| Noninterest income to average assets | 0.4883% | 2,876 |
| Noninterest expense to average assets | 2.2830% | 4,224 |
| Loan and lease loss provision to assets | 0.1072% | 1,744 |
| Net operating income to assets | 0.9266% | 3,173 |
| Return on assets (ROA) | 0.9266% | 3,193 |
| Pretax return on assets | 1.3053% | 2,345 |
| Return on Equity (ROE) | 8.7072% | 3,056 |
| Retained earnings to average equity (ytd only) | 6.1891% | 2,630 |
| Net charge-offs to loans | -0.0356% | 4,818 |
| Credit loss provision to net charge-offs | -409.0909% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6178% | 3,853 |
| Assets per employee ($millions) | 3.7326% | 4,370 |
| Cash dividends to net income (ytd only)* | 28.9203% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 1,138 |
| Loan loss allowance to noncurrent loans | 295.1698% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 3,280 |
| Noncurrent loans to loans | 0.5452% | 2,893 |
| Net loans and leases to total assets | 70.4026% | 2,407 |
| Net loans and leases to deposits | 79.0069% | 2,917 |
| Net loans and leases to core deposits | 81.0133% | 3,237 |
| Total domestic deposits to total assets | 89.1094% | 1,051 |
| Equity capital to assets | 10.5353% | 3,041 |
| Core capital (leverage) ratio | 10.8305% | 2,601 |
| Tier 1 risk-based capital ratio | 13.8039% | 3,495 |
| Total risk-based capital ratio | 15.0567% | 3,402 |
| Memoranda: | ||
| Average total assets | $335,868,500 | 1,996 |
| Average earning assets | $309,888,500 | 2,000 |
| Average equity | $35,740,500 | 2,060 |
| Average total loans | $247,403,000 | 1,868 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8157% | 3,997 |
| Cost of funding earning assets | 0.4080% | 3,181 |
| Net interest margin | 3.4077% | 3,829 |
| Noninterest income to average assets | 0.5103% | 2,936 |
| Noninterest expense to average assets | 2.2665% | 4,412 |
| Loan and lease loss provision to assets | 0.0874% | 2,443 |
| Net operating income to assets | 0.7823% | 3,238 |
| Return on assets (ROA) | 0.7731% | 3,328 |
| Pretax return on assets | 1.3087% | 2,312 |
| Return on Equity (ROE) | 7.3492% | 3,099 |
| Retained earnings to average equity (ytd only) | 5.3436% | 1,903 |
| Net charge-offs to loans | -0.0025% | 4,546 |
| Credit loss provision to net charge-offs | -4,833.3333% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4836% | 4,019 |
| Assets per employee ($millions) | 3.6094% | 4,556 |
| Cash dividends to net income (ytd only)* | 27.2904% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,378 |
| Loan loss allowance to noncurrent loans | 409.9245% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 3,682 |
| Noncurrent loans to loans | 0.3682% | 3,440 |
| Net loans and leases to total assets | 74.6712% | 1,812 |
| Net loans and leases to deposits | 83.8774% | 2,503 |
| Net loans and leases to core deposits | 86.1475% | 2,898 |
| Total domestic deposits to total assets | 89.0243% | 994 |
| Equity capital to assets | 10.7496% | 2,894 |
| Core capital (leverage) ratio | 10.7019% | 2,646 |
| Tier 1 risk-based capital ratio | 13.2393% | 3,764 |
| Total risk-based capital ratio | 14.4909% | 3,695 |
| Memoranda: | ||
| Average total assets | $331,792,200 | 2,000 |
| Average earning assets | $308,333,600 | 2,000 |
| Average equity | $34,901,600 | 2,088 |
| Average total loans | $242,392,800 | 1,865 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7645% | 4,128 |
| Cost of funding earning assets | 0.4037% | 3,152 |
| Net interest margin | 3.3608% | 3,980 |
| Noninterest income to average assets | 0.5165% | 2,929 |
| Noninterest expense to average assets | 2.2665% | 4,382 |
| Loan and lease loss provision to assets | 0.0924% | 2,237 |
| Net operating income to assets | 0.8444% | 3,295 |
| Return on assets (ROA) | 0.8505% | 3,323 |
| Pretax return on assets | 1.2886% | 2,549 |
| Return on Equity (ROE) | 8.1297% | 3,064 |
| Retained earnings to average equity (ytd only) | 6.1127% | 2,163 |
| Net charge-offs to loans | -0.0717% | 5,281 |
| Credit loss provision to net charge-offs | -178.2946% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1410% | 3,860 |
| Assets per employee ($millions) | 3.5604% | 4,636 |
| Cash dividends to net income (ytd only)* | 24.8109% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 1,303 |
| Loan loss allowance to noncurrent loans | 276.5211% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 3,315 |
| Noncurrent loans to loans | 0.5679% | 2,993 |
| Net loans and leases to total assets | 73.1211% | 2,077 |
| Net loans and leases to deposits | 82.1281% | 2,764 |
| Net loans and leases to core deposits | 84.2873% | 3,107 |
| Total domestic deposits to total assets | 89.0329% | 869 |
| Equity capital to assets | 10.8016% | 3,059 |
| Core capital (leverage) ratio | 10.7457% | 2,708 |
| Tier 1 risk-based capital ratio | 13.4149% | 3,751 |
| Total risk-based capital ratio | 14.6674% | 3,672 |
| Memoranda: | ||
| Average total assets | $331,723,000 | 2,008 |
| Average earning assets | $308,135,750 | 2,012 |
| Average equity | $34,703,000 | 2,109 |
| Average total loans | $240,051,000 | 1,893 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 4,236 |
| Cost of funding earning assets | 0.3968% | 3,109 |
| Net interest margin | 3.3009% | 4,105 |
| Noninterest income to average assets | 0.5242% | 2,868 |
| Noninterest expense to average assets | 2.2909% | 4,371 |
| Loan and lease loss provision to assets | 0.1024% | 1,976 |
| Net operating income to assets | 0.7874% | 3,452 |
| Return on assets (ROA) | 0.7966% | 3,473 |
| Pretax return on assets | 1.2075% | 2,740 |
| Return on Equity (ROE) | 7.6975% | 3,195 |
| Retained earnings to average equity (ytd only) | 5.6596% | 2,320 |
| Net charge-offs to loans | -0.0731% | 5,315 |
| Credit loss provision to net charge-offs | -195.4023% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7158% | 3,721 |
| Assets per employee ($millions) | 3.4480% | 4,800 |
| Cash dividends to net income (ytd only)* | 26.4750% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 1,336 |
| Loan loss allowance to noncurrent loans | 209.5265% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 2,920 |
| Noncurrent loans to loans | 0.7487% | 2,526 |
| Net loans and leases to total assets | 72.0462% | 2,198 |
| Net loans and leases to deposits | 80.8712% | 2,821 |
| Net loans and leases to core deposits | 83.0136% | 3,174 |
| Total domestic deposits to total assets | 89.0876% | 914 |
| Equity capital to assets | 10.7378% | 3,092 |
| Core capital (leverage) ratio | 10.5054% | 2,908 |
| Tier 1 risk-based capital ratio | 13.5079% | 3,699 |
| Total risk-based capital ratio | 14.7602% | 3,611 |
| Memoranda: | ||
| Average total assets | $331,924,670 | 2,014 |
| Average earning assets | $307,974,000 | 2,011 |
| Average equity | $34,348,670 | 2,125 |
| Average total loans | $238,074,670 | 1,901 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6199% | 4,368 |
| Cost of funding earning assets | 0.3880% | 3,117 |
| Net interest margin | 3.2319% | 4,240 |
| Noninterest income to average assets | 0.5148% | 2,876 |
| Noninterest expense to average assets | 2.2532% | 4,525 |
| Loan and lease loss provision to assets | 0.1078% | 1,774 |
| Net operating income to assets | 0.7554% | 3,453 |
| Return on assets (ROA) | 0.7554% | 3,504 |
| Pretax return on assets | 1.1457% | 2,792 |
| Return on Equity (ROE) | 7.4374% | 3,192 |
| Retained earnings to average equity (ytd only) | 5.3747% | 2,683 |
| Net charge-offs to loans | 0.1787% | 938 |
| Credit loss provision to net charge-offs | 84.9057% | 1,725 |
| Earnings coverage of net charge-offs (x) | 9.8774% | 1,968 |
| Efficiency ratio | 64.0833% | 3,817 |
| Assets per employee ($millions) | 3.6274% | 4,607 |
| Cash dividends to net income (ytd only)* | 27.7338% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 1,822 |
| Loan loss allowance to noncurrent loans | 205.1765% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 3,190 |
| Noncurrent loans to loans | 0.7121% | 2,713 |
| Net loans and leases to total assets | 69.7297% | 2,434 |
| Net loans and leases to deposits | 77.8881% | 2,983 |
| Net loans and leases to core deposits | 79.8786% | 3,311 |
| Total domestic deposits to total assets | 89.5254% | 885 |
| Equity capital to assets | 10.1690% | 3,545 |
| Core capital (leverage) ratio | 10.3043% | 3,104 |
| Tier 1 risk-based capital ratio | 13.2398% | 3,916 |
| Total risk-based capital ratio | 14.4907% | 3,840 |
| Memoranda: | ||
| Average total assets | $334,106,000 | 2,023 |
| Average earning assets | $309,292,500 | 2,027 |
| Average equity | $33,936,500 | 2,155 |
| Average total loans | $237,233,500 | 1,909 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6879% | 4,250 |
| Cost of funding earning assets | 0.3802% | 3,201 |
| Net interest margin | 3.3077% | 4,120 |
| Noninterest income to average assets | 0.5755% | 2,785 |
| Noninterest expense to average assets | 2.3014% | 4,553 |
| Loan and lease loss provision to assets | 0.2520% | 834 |
| Net operating income to assets | 0.7187% | 3,698 |
| Return on assets (ROA) | 0.7269% | 3,767 |
| Pretax return on assets | 1.0884% | 3,148 |
| Return on Equity (ROE) | 7.2390% | 3,343 |
| Retained earnings to average equity (ytd only) | 5.1529% | 2,236 |
| Net charge-offs to loans | 0.3787% | 715 |
| Credit loss provision to net charge-offs | 93.4517% | 2,736 |
| Earnings coverage of net charge-offs (x) | 4.9256% | 3,419 |
| Efficiency ratio | 63.2503% | 4,068 |
| Assets per employee ($millions) | 3.4828% | 4,788 |
| Cash dividends to net income (ytd only)* | 28.8184% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 1,724 |
| Loan loss allowance to noncurrent loans | 232.3607% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 3,342 |
| Noncurrent loans to loans | 0.6397% | 2,934 |
| Net loans and leases to total assets | 70.1930% | 2,433 |
| Net loans and leases to deposits | 78.2977% | 3,067 |
| Net loans and leases to core deposits | 80.0294% | 3,394 |
| Total domestic deposits to total assets | 89.6489% | 797 |
| Equity capital to assets | 10.1456% | 3,555 |
| Core capital (leverage) ratio | 10.1378% | 3,320 |
| Tier 1 risk-based capital ratio | 13.3011% | 3,894 |
| Total risk-based capital ratio | 14.5523% | 3,808 |
| Memoranda: | ||
| Average total assets | $334,147,000 | 1,981 |
| Average earning assets | $308,523,800 | 1,985 |
| Average equity | $33,554,200 | 2,153 |
| Average total loans | $237,920,000 | 1,857 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 4,362 |
| Cost of funding earning assets | 0.3765% | 3,266 |
| Net interest margin | 3.2866% | 4,229 |
| Noninterest income to average assets | 0.5652% | 2,846 |
| Noninterest expense to average assets | 2.2895% | 4,561 |
| Loan and lease loss provision to assets | 0.1720% | 1,317 |
| Net operating income to assets | 0.7479% | 3,615 |
| Return on assets (ROA) | 0.7587% | 3,698 |
| Pretax return on assets | 1.1495% | 3,054 |
| Return on Equity (ROE) | 7.5744% | 3,252 |
| Retained earnings to average equity (ytd only) | 5.4881% | 2,491 |
| Net charge-offs to loans | 0.3478% | 655 |
| Credit loss provision to net charge-offs | 69.4534% | 2,798 |
| Earnings coverage of net charge-offs (x) | 5.2717% | 3,152 |
| Efficiency ratio | 63.5367% | 3,996 |
| Assets per employee ($millions) | 3.4477% | 4,842 |
| Cash dividends to net income (ytd only)* | 27.5445% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 2,198 |
| Loan loss allowance to noncurrent loans | 175.6377% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 3,160 |
| Noncurrent loans to loans | 0.7974% | 2,673 |
| Net loans and leases to total assets | 71.0286% | 2,343 |
| Net loans and leases to deposits | 79.3067% | 3,048 |
| Net loans and leases to core deposits | 81.0424% | 3,351 |
| Total domestic deposits to total assets | 89.5619% | 645 |
| Equity capital to assets | 10.2799% | 3,826 |
| Core capital (leverage) ratio | 10.1128% | 3,428 |
| Tier 1 risk-based capital ratio | 12.9483% | 4,192 |
| Total risk-based capital ratio | 14.1987% | 4,101 |
| Memoranda: | ||
| Average total assets | $334,968,250 | 1,978 |
| Average earning assets | $308,765,750 | 1,986 |
| Average equity | $33,550,750 | 2,171 |
| Average total loans | $238,463,500 | 1,859 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6558% | 4,429 |
| Cost of funding earning assets | 0.3739% | 3,318 |
| Net interest margin | 3.2820% | 4,283 |
| Noninterest income to average assets | 0.5305% | 3,003 |
| Noninterest expense to average assets | 2.2647% | 4,698 |
| Loan and lease loss provision to assets | 0.1563% | 1,456 |
| Net operating income to assets | 0.7471% | 3,562 |
| Return on assets (ROA) | 0.7632% | 3,627 |
| Pretax return on assets | 1.1565% | 2,958 |
| Return on Equity (ROE) | 7.6875% | 3,155 |
| Retained earnings to average equity (ytd only) | 5.5838% | 2,371 |
| Net charge-offs to loans | 0.3072% | 773 |
| Credit loss provision to net charge-offs | 71.7808% | 2,456 |
| Earnings coverage of net charge-offs (x) | 5.9151% | 2,801 |
| Efficiency ratio | 63.5875% | 4,085 |
| Assets per employee ($millions) | 3.3014% | 5,059 |
| Cash dividends to net income (ytd only)* | 27.3651% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 1,971 |
| Loan loss allowance to noncurrent loans | 151.8210% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 2,830 |
| Noncurrent loans to loans | 0.9704% | 2,341 |
| Net loans and leases to total assets | 70.0918% | 2,464 |
| Net loans and leases to deposits | 78.3209% | 3,118 |
| Net loans and leases to core deposits | 80.1854% | 3,445 |
| Total domestic deposits to total assets | 89.4931% | 687 |
| Equity capital to assets | 10.3066% | 3,851 |
| Core capital (leverage) ratio | 9.8393% | 3,760 |
| Tier 1 risk-based capital ratio | 13.0996% | 4,140 |
| Total risk-based capital ratio | 14.3508% | 4,063 |
| Memoranda: | ||
| Average total assets | $335,147,670 | 1,988 |
| Average earning assets | $308,657,330 | 1,991 |
| Average equity | $33,274,670 | 2,185 |
| Average total loans | $237,646,330 | 1,870 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6549% | 4,462 |
| Cost of funding earning assets | 0.3641% | 3,459 |
| Net interest margin | 3.2908% | 4,258 |
| Noninterest income to average assets | 0.4620% | 3,402 |
| Noninterest expense to average assets | 2.2117% | 4,877 |
| Loan and lease loss provision to assets | 0.1327% | 1,592 |
| Net operating income to assets | 0.7511% | 3,478 |
| Return on assets (ROA) | 0.7511% | 3,586 |
| Pretax return on assets | 1.1373% | 2,946 |
| Return on Equity (ROE) | 7.7084% | 3,083 |
| Retained earnings to average equity (ytd only) | 5.5807% | 2,595 |
| Net charge-offs to loans | -0.0402% | 5,218 |
| Credit loss provision to net charge-offs | -466.6667% | 4,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3549% | 4,241 |
| Assets per employee ($millions) | 3.5597% | 4,725 |
| Cash dividends to net income (ytd only)* | 27.6025% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 1,843 |
| Loan loss allowance to noncurrent loans | 286.0789% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 3,686 |
| Noncurrent loans to loans | 0.5371% | 3,576 |
| Net loans and leases to total assets | 69.3630% | 2,448 |
| Net loans and leases to deposits | 77.1131% | 3,094 |
| Net loans and leases to core deposits | 79.0177% | 3,408 |
| Total domestic deposits to total assets | 89.9497% | 621 |
| Equity capital to assets | 9.7190% | 4,428 |
| Core capital (leverage) ratio | 9.7337% | 3,865 |
| Tier 1 risk-based capital ratio | 12.5112% | 4,572 |
| Total risk-based capital ratio | 13.7629% | 4,481 |
| Memoranda: | ||
| Average total assets | $337,653,000 | 1,984 |
| Average earning assets | $309,831,000 | 1,998 |
| Average equity | $32,899,000 | 2,202 |
| Average total loans | $239,040,000 | 1,866 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5695% | 4,752 |
| Cost of funding earning assets | 0.3993% | 3,172 |
| Net interest margin | 3.1702% | 4,714 |
| Noninterest income to average assets | 0.5266% | 3,158 |
| Noninterest expense to average assets | 2.2207% | 5,005 |
| Loan and lease loss provision to assets | 0.1352% | 1,763 |
| Net operating income to assets | 0.7498% | 3,574 |
| Return on assets (ROA) | 0.7376% | 3,732 |
| Pretax return on assets | 1.0832% | 3,141 |
| Return on Equity (ROE) | 7.9341% | 2,988 |
| Retained earnings to average equity (ytd only) | 5.7214% | 1,947 |
| Net charge-offs to loans | 0.0561% | 3,095 |
| Credit loss provision to net charge-offs | 359.3750% | 827 |
| Earnings coverage of net charge-offs (x) | 32.8672% | 1,363 |
| Efficiency ratio | 64.0768% | 4,245 |
| Assets per employee ($millions) | 3.4747% | 4,869 |
| Cash dividends to net income (ytd only)* | 27.8884% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,998 |
| Loan loss allowance to noncurrent loans | 280.3304% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5120% | 3,592 |
| Noncurrent loans to loans | 0.5355% | 3,558 |
| Net loans and leases to total assets | 70.0841% | 2,351 |
| Net loans and leases to deposits | 77.8586% | 3,069 |
| Net loans and leases to core deposits | 79.6649% | 3,385 |
| Total domestic deposits to total assets | 90.0145% | 627 |
| Equity capital to assets | 9.7684% | 4,219 |
| Core capital (leverage) ratio | 9.4565% | 4,241 |
| Tier 1 risk-based capital ratio | 12.4290% | 4,681 |
| Total risk-based capital ratio | 13.6804% | 4,573 |
| Memoranda: | ||
| Average total assets | $340,298,400 | 1,921 |
| Average earning assets | $314,557,800 | 1,927 |
| Average equity | $31,635,400 | 2,220 |
| Average total loans | $228,008,000 | 1,877 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5308% | 4,910 |
| Cost of funding earning assets | 0.3994% | 3,231 |
| Net interest margin | 3.1314% | 4,876 |
| Noninterest income to average assets | 0.5232% | 3,208 |
| Noninterest expense to average assets | 2.1779% | 5,109 |
| Loan and lease loss provision to assets | 0.1443% | 1,525 |
| Net operating income to assets | 0.7212% | 3,812 |
| Return on assets (ROA) | 0.7232% | 3,909 |
| Pretax return on assets | 1.0959% | 3,243 |
| Return on Equity (ROE) | 7.8772% | 3,147 |
| Retained earnings to average equity (ytd only) | 5.6478% | 2,487 |
| Net charge-offs to loans | -0.0419% | 5,485 |
| Credit loss provision to net charge-offs | -521.1268% | 5,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6146% | 4,313 |
| Assets per employee ($millions) | 3.6068% | 4,595 |
| Cash dividends to net income (ytd only)* | 28.3018% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 1,758 |
| Loan loss allowance to noncurrent loans | 209.7087% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 3,473 |
| Noncurrent loans to loans | 0.7671% | 3,047 |
| Net loans and leases to total assets | 66.2460% | 2,972 |
| Net loans and leases to deposits | 73.3299% | 3,613 |
| Net loans and leases to core deposits | 75.0591% | 3,903 |
| Total domestic deposits to total assets | 90.3396% | 453 |
| Equity capital to assets | 9.4828% | 4,772 |
| Core capital (leverage) ratio | 9.2004% | 4,725 |
| Tier 1 risk-based capital ratio | 12.5440% | 4,726 |
| Total risk-based capital ratio | 13.7964% | 4,627 |
| Memoranda: | ||
| Average total assets | $341,979,250 | 1,924 |
| Average earning assets | $315,806,250 | 1,928 |
| Average equity | $31,398,000 | 2,248 |
| Average total loans | $225,673,500 | 1,897 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5098% | 4,958 |
| Cost of funding earning assets | 0.3955% | 3,323 |
| Net interest margin | 3.1143% | 4,933 |
| Noninterest income to average assets | 0.5091% | 3,316 |
| Noninterest expense to average assets | 2.1699% | 5,181 |
| Loan and lease loss provision to assets | 0.1516% | 1,405 |
| Net operating income to assets | 0.6951% | 3,911 |
| Return on assets (ROA) | 0.6951% | 4,028 |
| Pretax return on assets | 1.0532% | 3,370 |
| Return on Equity (ROE) | 7.6539% | 3,233 |
| Retained earnings to average equity (ytd only) | 5.4066% | 2,596 |
| Net charge-offs to loans | 0.2358% | 1,098 |
| Credit loss provision to net charge-offs | 98.1132% | 2,099 |
| Earnings coverage of net charge-offs (x) | 7.7962% | 2,630 |
| Efficiency ratio | 64.1438% | 4,334 |
| Assets per employee ($millions) | 3.5827% | 4,654 |
| Cash dividends to net income (ytd only)* | 29.3624% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 2,457 |
| Loan loss allowance to noncurrent loans | 154.4280% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.7949% | 2,999 |
| Noncurrent loans to loans | 0.9460% | 2,760 |
| Net loans and leases to total assets | 61.9779% | 3,551 |
| Net loans and leases to deposits | 68.2071% | 4,117 |
| Net loans and leases to core deposits | 69.8669% | 4,335 |
| Total domestic deposits to total assets | 90.8671% | 332 |
| Equity capital to assets | 8.9360% | 5,294 |
| Core capital (leverage) ratio | 9.1135% | 4,803 |
| Tier 1 risk-based capital ratio | 12.5369% | 4,780 |
| Total risk-based capital ratio | 13.7874% | 4,701 |
| Memoranda: | ||
| Average total assets | $342,960,670 | 1,928 |
| Average earning assets | $315,571,670 | 1,946 |
| Average equity | $31,147,330 | 2,274 |
| Average total loans | $224,808,330 | 1,916 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4937% | 4,989 |
| Cost of funding earning assets | 0.3948% | 3,361 |
| Net interest margin | 3.0988% | 4,958 |
| Noninterest income to average assets | 0.4957% | 3,313 |
| Noninterest expense to average assets | 2.1872% | 5,185 |
| Loan and lease loss provision to assets | 0.1416% | 1,444 |
| Net operating income to assets | 0.6858% | 3,866 |
| Return on assets (ROA) | 0.6858% | 3,997 |
| Pretax return on assets | 1.0387% | 3,350 |
| Return on Equity (ROE) | 7.4887% | 3,222 |
| Retained earnings to average equity (ytd only) | 5.2331% | 2,929 |
| Net charge-offs to loans | 0.4691% | 529 |
| Credit loss provision to net charge-offs | 45.1128% | 2,146 |
| Earnings coverage of net charge-offs (x) | 3.7594% | 2,572 |
| Efficiency ratio | 64.7739% | 4,351 |
| Assets per employee ($millions) | 3.5937% | 4,735 |
| Cash dividends to net income (ytd only)* | 30.1205% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 3,050 |
| Loan loss allowance to noncurrent loans | 127.5207% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 2,978 |
| Noncurrent loans to loans | 1.0765% | 2,608 |
| Net loans and leases to total assets | 64.9462% | 2,947 |
| Net loans and leases to deposits | 71.7375% | 3,558 |
| Net loans and leases to core deposits | 72.8641% | 3,888 |
| Total domestic deposits to total assets | 90.5331% | 519 |
| Equity capital to assets | 9.1789% | 5,114 |
| Core capital (leverage) ratio | 9.1123% | 4,833 |
| Tier 1 risk-based capital ratio | 12.3786% | 4,989 |
| Total risk-based capital ratio | 13.6179% | 4,910 |
| Memoranda: | ||
| Average total assets | $338,888,000 | 1,963 |
| Average earning assets | $314,055,000 | 1,968 |
| Average equity | $31,033,500 | 2,291 |
| Average total loans | $226,795,500 | 1,896 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5596% | 5,192 |
| Cost of funding earning assets | 0.4227% | 3,450 |
| Net interest margin | 3.1368% | 5,107 |
| Noninterest income to average assets | 0.4533% | 3,810 |
| Noninterest expense to average assets | 2.2068% | 5,340 |
| Loan and lease loss provision to assets | 0.1473% | 1,791 |
| Net operating income to assets | 0.6892% | 3,949 |
| Return on assets (ROA) | 0.6594% | 4,190 |
| Pretax return on assets | 0.9665% | 3,624 |
| Return on Equity (ROE) | 7.6086% | 3,320 |
| Retained earnings to average equity (ytd only) | 5.2436% | 2,436 |
| Net charge-offs to loans | 0.0951% | 3,142 |
| Credit loss provision to net charge-offs | 240.6699% | 1,058 |
| Earnings coverage of net charge-offs (x) | 18.9187% | 1,812 |
| Efficiency ratio | 65.4251% | 4,337 |
| Assets per employee ($millions) | 3.5039% | 4,890 |
| Cash dividends to net income (ytd only)* | 31.0835% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 2,898 |
| Loan loss allowance to noncurrent loans | 128.3671% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.9213% | 2,911 |
| Noncurrent loans to loans | 1.1002% | 2,629 |
| Net loans and leases to total assets | 67.0522% | 2,718 |
| Net loans and leases to deposits | 74.0107% | 3,437 |
| Net loans and leases to core deposits | 75.1894% | 3,804 |
| Total domestic deposits to total assets | 90.5980% | 498 |
| Equity capital to assets | 9.1356% | 5,145 |
| Core capital (leverage) ratio | 8.8997% | 5,121 |
| Tier 1 risk-based capital ratio | 12.1295% | 5,280 |
| Total risk-based capital ratio | 13.3800% | 5,185 |
| Memoranda: | ||
| Average total assets | $341,532,200 | 1,902 |
| Average earning assets | $316,975,800 | 1,891 |
| Average equity | $29,598,200 | 2,294 |
| Average total loans | $219,693,600 | 1,902 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5367% | 5,303 |
| Cost of funding earning assets | 0.4238% | 3,533 |
| Net interest margin | 3.1129% | 5,218 |
| Noninterest income to average assets | 0.4943% | 3,583 |
| Noninterest expense to average assets | 2.2028% | 5,344 |
| Loan and lease loss provision to assets | 0.1540% | 1,612 |
| Net operating income to assets | 0.6804% | 4,040 |
| Return on assets (ROA) | 0.6942% | 4,058 |
| Pretax return on assets | 1.0520% | 3,368 |
| Return on Equity (ROE) | 8.1184% | 3,144 |
| Retained earnings to average equity (ytd only) | 5.7307% | 2,584 |
| Net charge-offs to loans | 0.1110% | 2,691 |
| Credit loss provision to net charge-offs | 218.7845% | 1,182 |
| Earnings coverage of net charge-offs (x) | 16.8341% | 1,942 |
| Efficiency ratio | 64.8605% | 4,400 |
| Assets per employee ($millions) | 3.6887% | 4,508 |
| Cash dividends to net income (ytd only)* | 29.4117% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4035% | 3,154 |
| Loan loss allowance to noncurrent loans | 131.2656% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 3,297 |
| Noncurrent loans to loans | 1.0692% | 2,936 |
| Net loans and leases to total assets | 64.5664% | 3,098 |
| Net loans and leases to deposits | 70.9647% | 3,802 |
| Net loans and leases to core deposits | 72.1609% | 4,139 |
| Total domestic deposits to total assets | 90.9838% | 366 |
| Equity capital to assets | 8.7999% | 5,552 |
| Core capital (leverage) ratio | 8.6753% | 5,474 |
| Tier 1 risk-based capital ratio | 12.1439% | 5,405 |
| Total risk-based capital ratio | 13.3942% | 5,321 |
| Memoranda: | ||
| Average total assets | $342,821,500 | 1,907 |
| Average earning assets | $318,669,500 | 1,886 |
| Average equity | $29,315,250 | 2,327 |
| Average total loans | $217,422,500 | 1,935 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5139% | 5,384 |
| Cost of funding earning assets | 0.4220% | 3,636 |
| Net interest margin | 3.0919% | 5,274 |
| Noninterest income to average assets | 0.4429% | 3,919 |
| Noninterest expense to average assets | 2.2186% | 5,367 |
| Loan and lease loss provision to assets | 0.1698% | 1,443 |
| Net operating income to assets | 0.6149% | 4,278 |
| Return on assets (ROA) | 0.6395% | 4,258 |
| Pretax return on assets | 0.9692% | 3,613 |
| Return on Equity (ROE) | 7.5523% | 3,347 |
| Retained earnings to average equity (ytd only) | 5.1405% | 2,870 |
| Net charge-offs to loans | 0.0047% | 4,222 |
| Credit loss provision to net charge-offs | 5,820.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 377.6000% | 185 |
| Efficiency ratio | 66.6608% | 4,253 |
| Assets per employee ($millions) | 3.4543% | 4,935 |
| Cash dividends to net income (ytd only)* | 31.9343% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 3,028 |
| Loan loss allowance to noncurrent loans | 205.8110% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6389% | 4,062 |
| Noncurrent loans to loans | 0.7141% | 3,917 |
| Net loans and leases to total assets | 62.5522% | 3,313 |
| Net loans and leases to deposits | 68.6589% | 3,972 |
| Net loans and leases to core deposits | 69.7199% | 4,294 |
| Total domestic deposits to total assets | 91.1057% | 379 |
| Equity capital to assets | 8.6404% | 5,677 |
| Core capital (leverage) ratio | 8.5738% | 5,557 |
| Tier 1 risk-based capital ratio | 12.1395% | 5,459 |
| Total risk-based capital ratio | 13.3903% | 5,375 |
| Memoranda: | ||
| Average total assets | $342,745,330 | 1,907 |
| Average earning assets | $318,960,330 | 1,885 |
| Average equity | $29,024,330 | 2,338 |
| Average total loans | $215,014,000 | 1,943 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4908% | 5,449 |
| Cost of funding earning assets | 0.4304% | 3,647 |
| Net interest margin | 3.0604% | 5,358 |
| Noninterest income to average assets | 0.4417% | 3,852 |
| Noninterest expense to average assets | 2.2765% | 5,256 |
| Loan and lease loss provision to assets | 0.1804% | 1,330 |
| Net operating income to assets | 0.5504% | 4,457 |
| Return on assets (ROA) | 0.5999% | 4,280 |
| Pretax return on assets | 0.9092% | 3,664 |
| Return on Equity (ROE) | 7.1575% | 3,383 |
| Retained earnings to average equity (ytd only) | 4.7111% | 3,287 |
| Net charge-offs to loans | -0.0207% | 5,376 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9925% | 4,003 |
| Assets per employee ($millions) | 3.5056% | 4,908 |
| Cash dividends to net income (ytd only)* | 34.1797% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 3,272 |
| Loan loss allowance to noncurrent loans | 189.8409% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 4,216 |
| Noncurrent loans to loans | 0.7756% | 3,920 |
| Net loans and leases to total assets | 60.4185% | 3,489 |
| Net loans and leases to deposits | 66.2016% | 4,071 |
| Net loans and leases to core deposits | 67.0318% | 4,394 |
| Total domestic deposits to total assets | 91.2644% | 463 |
| Equity capital to assets | 8.4256% | 5,719 |
| Core capital (leverage) ratio | 8.5566% | 5,577 |
| Tier 1 risk-based capital ratio | 12.3141% | 5,430 |
| Total risk-based capital ratio | 13.5650% | 5,361 |
| Memoranda: | ||
| Average total assets | $341,405,500 | 1,921 |
| Average earning assets | $317,868,000 | 1,898 |
| Average equity | $28,613,500 | 2,358 |
| Average total loans | $212,874,000 | 1,957 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6280% | 5,340 |
| Cost of funding earning assets | 0.4990% | 3,624 |
| Net interest margin | 3.1290% | 5,228 |
| Noninterest income to average assets | 0.4841% | 3,861 |
| Noninterest expense to average assets | 2.3022% | 5,380 |
| Loan and lease loss provision to assets | 0.4103% | 728 |
| Net operating income to assets | 0.5194% | 4,654 |
| Return on assets (ROA) | 0.5139% | 4,803 |
| Pretax return on assets | 0.6936% | 4,567 |
| Return on Equity (ROE) | 6.0685% | 4,048 |
| Retained earnings to average equity (ytd only) | 4.2237% | 3,171 |
| Net charge-offs to loans | 0.6529% | 995 |
| Credit loss provision to net charge-offs | 100.0726% | 2,414 |
| Earnings coverage of net charge-offs (x) | 2.7104% | 4,095 |
| Efficiency ratio | 67.2768% | 4,333 |
| Assets per employee ($millions) | 3.3261% | 5,233 |
| Cash dividends to net income (ytd only)* | 30.3995% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 3,822 |
| Loan loss allowance to noncurrent loans | 185.4167% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.6343% | 4,331 |
| Noncurrent loans to loans | 0.7365% | 4,117 |
| Net loans and leases to total assets | 62.5304% | 3,295 |
| Net loans and leases to deposits | 68.4123% | 3,990 |
| Net loans and leases to core deposits | 69.4356% | 4,354 |
| Total domestic deposits to total assets | 91.4023% | 435 |
| Equity capital to assets | 8.3360% | 5,752 |
| Core capital (leverage) ratio | 8.4040% | 5,777 |
| Tier 1 risk-based capital ratio | 12.1285% | 5,542 |
| Total risk-based capital ratio | 13.3650% | 5,486 |
| Memoranda: | ||
| Average total assets | $336,075,000 | 1,910 |
| Average earning assets | $314,639,400 | 1,884 |
| Average equity | $28,458,600 | 2,344 |
| Average total loans | $211,051,800 | 1,920 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 5,410 |
| Cost of funding earning assets | 0.5110% | 3,662 |
| Net interest margin | 3.1015% | 5,314 |
| Noninterest income to average assets | 0.5921% | 3,197 |
| Noninterest expense to average assets | 2.3097% | 5,304 |
| Loan and lease loss provision to assets | 0.3989% | 760 |
| Net operating income to assets | 0.5255% | 4,684 |
| Return on assets (ROA) | 0.5404% | 4,763 |
| Pretax return on assets | 0.8144% | 4,240 |
| Return on Equity (ROE) | 6.3571% | 4,004 |
| Retained earnings to average equity (ytd only) | 3.9012% | 3,907 |
| Net charge-offs to loans | 0.8055% | 728 |
| Credit loss provision to net charge-offs | 79.0386% | 2,870 |
| Earnings coverage of net charge-offs (x) | 2.3593% | 4,050 |
| Efficiency ratio | 65.8259% | 4,517 |
| Assets per employee ($millions) | 3.3421% | 5,201 |
| Cash dividends to net income (ytd only)* | 38.6313% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 4,490 |
| Loan loss allowance to noncurrent loans | 67.2457% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.4028% | 2,855 |
| Noncurrent loans to loans | 1.9057% | 2,358 |
| Net loans and leases to total assets | 60.3589% | 3,640 |
| Net loans and leases to deposits | 65.9547% | 4,311 |
| Net loans and leases to core deposits | 66.9353% | 4,630 |
| Total domestic deposits to total assets | 91.5156% | 367 |
| Equity capital to assets | 8.2365% | 5,969 |
| Core capital (leverage) ratio | 8.3225% | 5,949 |
| Tier 1 risk-based capital ratio | 12.2566% | 5,597 |
| Total risk-based capital ratio | 13.4079% | 5,617 |
| Memoranda: | ||
| Average total assets | $335,277,750 | 1,925 |
| Average earning assets | $314,382,500 | 1,898 |
| Average equity | $28,503,000 | 2,372 |
| Average total loans | $210,044,750 | 1,930 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6183% | 5,375 |
| Cost of funding earning assets | 0.5286% | 3,623 |
| Net interest margin | 3.0897% | 5,296 |
| Noninterest income to average assets | 0.6383% | 2,975 |
| Noninterest expense to average assets | 2.2819% | 5,414 |
| Loan and lease loss provision to assets | 0.3761% | 863 |
| Net operating income to assets | 0.5789% | 4,409 |
| Return on assets (ROA) | 0.5789% | 4,583 |
| Pretax return on assets | 0.8764% | 4,003 |
| Return on Equity (ROE) | 6.7377% | 3,748 |
| Retained earnings to average equity (ytd only) | 4.2940% | 3,558 |
| Net charge-offs to loans | 0.9013% | 690 |
| Credit loss provision to net charge-offs | 66.0695% | 2,909 |
| Earnings coverage of net charge-offs (x) | 2.2002% | 3,796 |
| Efficiency ratio | 64.4094% | 4,810 |
| Assets per employee ($millions) | 3.2319% | 5,408 |
| Cash dividends to net income (ytd only)* | 36.2694% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 4,660 |
| Loan loss allowance to noncurrent loans | 75.1365% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.2939% | 3,184 |
| Noncurrent loans to loans | 1.6857% | 2,790 |
| Net loans and leases to total assets | 60.6226% | 3,554 |
| Net loans and leases to deposits | 66.2948% | 4,230 |
| Net loans and leases to core deposits | 67.2956% | 4,564 |
| Total domestic deposits to total assets | 91.4441% | 400 |
| Equity capital to assets | 8.2796% | 5,988 |
| Core capital (leverage) ratio | 8.3538% | 5,823 |
| Tier 1 risk-based capital ratio | 12.3735% | 5,589 |
| Total risk-based capital ratio | 13.5200% | 5,589 |
| Memoranda: | ||
| Average total assets | $333,405,000 | 1,946 |
| Average earning assets | $312,519,000 | 1,910 |
| Average equity | $28,644,670 | 2,373 |
| Average total loans | $210,582,330 | 1,930 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6304% | 5,362 |
| Cost of funding earning assets | 0.5407% | 3,666 |
| Net interest margin | 3.0897% | 5,302 |
| Noninterest income to average assets | 0.6397% | 2,933 |
| Noninterest expense to average assets | 2.3093% | 5,400 |
| Loan and lease loss provision to assets | 0.3638% | 892 |
| Net operating income to assets | 0.5662% | 4,379 |
| Return on assets (ROA) | 0.5662% | 4,531 |
| Pretax return on assets | 0.8577% | 3,921 |
| Return on Equity (ROE) | 6.4710% | 3,778 |
| Retained earnings to average equity (ytd only) | 4.0616% | 3,790 |
| Net charge-offs to loans | 1.4331% | 382 |
| Credit loss provision to net charge-offs | 39.6325% | 2,754 |
| Earnings coverage of net charge-offs (x) | 1.3307% | 3,386 |
| Efficiency ratio | 65.2337% | 4,789 |
| Assets per employee ($millions) | 3.0682% | 5,879 |
| Cash dividends to net income (ytd only)* | 37.2340% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 5,253 |
| Loan loss allowance to noncurrent loans | 50.4791% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 1.4596% | 3,068 |
| Noncurrent loans to loans | 2.3431% | 2,229 |
| Net loans and leases to total assets | 61.2942% | 3,208 |
| Net loans and leases to deposits | 67.3697% | 3,860 |
| Net loans and leases to core deposits | 68.6161% | 4,229 |
| Total domestic deposits to total assets | 90.9818% | 531 |
| Equity capital to assets | 8.6336% | 5,877 |
| Core capital (leverage) ratio | 8.4138% | 5,689 |
| Tier 1 risk-based capital ratio | 12.0596% | 5,878 |
| Total risk-based capital ratio | 13.1303% | 5,952 |
| Memoranda: | ||
| Average total assets | $332,049,000 | 1,978 |
| Average earning assets | $310,710,000 | 1,955 |
| Average equity | $29,052,500 | 2,373 |
| Average total loans | $212,685,000 | 1,924 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 5,137 |
| Cost of funding earning assets | 0.6771% | 3,669 |
| Net interest margin | 3.3756% | 4,975 |
| Noninterest income to average assets | 0.8149% | 2,196 |
| Noninterest expense to average assets | 2.3799% | 5,469 |
| Loan and lease loss provision to assets | 0.1909% | 3,251 |
| Net operating income to assets | 0.9440% | 2,583 |
| Return on assets (ROA) | 0.9615% | 2,735 |
| Pretax return on assets | 1.4279% | 1,944 |
| Return on Equity (ROE) | 11.0223% | 1,800 |
| Retained earnings to average equity (ytd only) | 8.6426% | 928 |
| Net charge-offs to loans | 0.1985% | 3,786 |
| Credit loss provision to net charge-offs | 151.7500% | 1,791 |
| Earnings coverage of net charge-offs (x) | 12.6600% | 1,905 |
| Efficiency ratio | 59.9082% | 5,556 |
| Assets per employee ($millions) | 3.0811% | 5,878 |
| Cash dividends to net income (ytd only)* | 21.5898% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 4,356 |
| Loan loss allowance to noncurrent loans | 100.7896% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.9167% | 4,204 |
| Noncurrent loans to loans | 1.3484% | 3,582 |
| Net loans and leases to total assets | 65.2454% | 2,663 |
| Net loans and leases to deposits | 71.9011% | 3,428 |
| Net loans and leases to core deposits | 73.2801% | 3,879 |
| Total domestic deposits to total assets | 90.7431% | 597 |
| Equity capital to assets | 8.8692% | 5,662 |
| Core capital (leverage) ratio | 8.5035% | 5,606 |
| Tier 1 risk-based capital ratio | 11.8375% | 5,884 |
| Total risk-based capital ratio | 13.0874% | 5,847 |
| Memoranda: | ||
| Average total assets | $317,952,200 | 2,017 |
| Average earning assets | $297,431,200 | 1,988 |
| Average equity | $27,734,800 | 2,419 |
| Average total loans | $201,496,400 | 1,992 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 5,202 |
| Cost of funding earning assets | 0.7039% | 3,731 |
| Net interest margin | 3.3922% | 5,060 |
| Noninterest income to average assets | 0.7832% | 2,315 |
| Noninterest expense to average assets | 2.3737% | 5,475 |
| Loan and lease loss provision to assets | 0.1921% | 3,185 |
| Net operating income to assets | 0.9707% | 2,655 |
| Return on assets (ROA) | 0.9935% | 2,771 |
| Pretax return on assets | 1.4241% | 2,161 |
| Return on Equity (ROE) | 11.4387% | 1,805 |
| Retained earnings to average equity (ytd only) | 9.0323% | 1,219 |
| Net charge-offs to loans | 0.1058% | 4,336 |
| Credit loss provision to net charge-offs | 289.8089% | 934 |
| Earnings coverage of net charge-offs (x) | 23.8915% | 1,298 |
| Efficiency ratio | 59.9808% | 5,504 |
| Assets per employee ($millions) | 3.0917% | 5,876 |
| Cash dividends to net income (ytd only)* | 21.0369% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 4,145 |
| Loan loss allowance to noncurrent loans | 109.6739% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.8584% | 4,578 |
| Noncurrent loans to loans | 1.3251% | 3,818 |
| Net loans and leases to total assets | 63.8356% | 3,054 |
| Net loans and leases to deposits | 71.8747% | 3,626 |
| Net loans and leases to core deposits | 73.6462% | 4,018 |
| Total domestic deposits to total assets | 88.8151% | 1,529 |
| Equity capital to assets | 8.8913% | 5,930 |
| Core capital (leverage) ratio | 8.3600% | 5,934 |
| Tier 1 risk-based capital ratio | 11.9243% | 5,978 |
| Total risk-based capital ratio | 13.1725% | 5,964 |
| Memoranda: | ||
| Average total assets | $315,790,000 | 2,058 |
| Average earning assets | $295,495,750 | 2,019 |
| Average equity | $27,426,750 | 2,465 |
| Average total loans | $197,863,500 | 2,046 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 5,233 |
| Cost of funding earning assets | 0.7328% | 3,739 |
| Net interest margin | 3.3904% | 5,118 |
| Noninterest income to average assets | 0.7474% | 2,426 |
| Noninterest expense to average assets | 2.4010% | 5,461 |
| Loan and lease loss provision to assets | 0.1937% | 3,150 |
| Net operating income to assets | 0.9367% | 2,733 |
| Return on assets (ROA) | 0.9367% | 2,994 |
| Pretax return on assets | 1.3190% | 2,486 |
| Return on Equity (ROE) | 10.8731% | 2,032 |
| Retained earnings to average equity (ytd only) | 8.4322% | 1,472 |
| Net charge-offs to loans | 0.1111% | 4,068 |
| Credit loss provision to net charge-offs | 281.4815% | 1,046 |
| Earnings coverage of net charge-offs (x) | 21.9815% | 1,324 |
| Efficiency ratio | 61.3481% | 5,358 |
| Assets per employee ($millions) | 2.9801% | 6,102 |
| Cash dividends to net income (ytd only)* | 22.4490% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 4,099 |
| Loan loss allowance to noncurrent loans | 117.8960% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.7709% | 4,866 |
| Noncurrent loans to loans | 1.2569% | 4,034 |
| Net loans and leases to total assets | 60.4208% | 3,750 |
| Net loans and leases to deposits | 66.4035% | 4,459 |
| Net loans and leases to core deposits | 67.9977% | 4,787 |
| Total domestic deposits to total assets | 90.9904% | 448 |
| Equity capital to assets | 8.5898% | 6,131 |
| Core capital (leverage) ratio | 8.4421% | 5,724 |
| Tier 1 risk-based capital ratio | 11.9978% | 5,939 |
| Total risk-based capital ratio | 13.2489% | 5,915 |
| Memoranda: | ||
| Average total assets | $313,873,330 | 2,065 |
| Average earning assets | $293,123,670 | 2,026 |
| Average equity | $27,039,330 | 2,481 |
| Average total loans | $194,390,000 | 2,078 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 5,081 |
| Cost of funding earning assets | 0.7731% | 3,678 |
| Net interest margin | 3.4333% | 4,987 |
| Noninterest income to average assets | 0.8119% | 2,108 |
| Noninterest expense to average assets | 2.3905% | 5,504 |
| Loan and lease loss provision to assets | 0.1936% | 3,010 |
| Net operating income to assets | 1.0133% | 2,424 |
| Return on assets (ROA) | 1.0133% | 2,619 |
| Pretax return on assets | 1.4263% | 2,101 |
| Return on Equity (ROE) | 11.7445% | 1,755 |
| Retained earnings to average equity (ytd only) | 9.2759% | 1,489 |
| Net charge-offs to loans | -0.0601% | 6,608 |
| Credit loss provision to net charge-offs | -517.2414% | 5,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6073% | 5,678 |
| Assets per employee ($millions) | 2.9744% | 6,202 |
| Cash dividends to net income (ytd only)* | 21.0191% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 4,064 |
| Loan loss allowance to noncurrent loans | 109.8602% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.8557% | 4,817 |
| Noncurrent loans to loans | 1.3848% | 4,038 |
| Net loans and leases to total assets | 60.8548% | 3,476 |
| Net loans and leases to deposits | 67.0051% | 4,232 |
| Net loans and leases to core deposits | 68.6200% | 4,607 |
| Total domestic deposits to total assets | 90.8212% | 632 |
| Equity capital to assets | 8.7514% | 5,805 |
| Core capital (leverage) ratio | 8.3872% | 5,759 |
| Tier 1 risk-based capital ratio | 11.9601% | 5,983 |
| Total risk-based capital ratio | 13.2115% | 5,981 |
| Memoranda: | ||
| Average total assets | $309,887,000 | 2,098 |
| Average earning assets | $288,700,000 | 2,072 |
| Average equity | $26,736,000 | 2,497 |
| Average total loans | $192,891,500 | 2,100 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 5,511 |
| Cost of funding earning assets | 0.9721% | 3,564 |
| Net interest margin | 3.4041% | 5,469 |
| Noninterest income to average assets | 0.5386% | 3,594 |
| Noninterest expense to average assets | 2.4830% | 5,523 |
| Loan and lease loss provision to assets | 0.2641% | 3,578 |
| Net operating income to assets | 0.6991% | 3,495 |
| Return on assets (ROA) | 0.7163% | 3,584 |
| Pretax return on assets | 1.0073% | 3,218 |
| Return on Equity (ROE) | 8.4291% | 2,701 |
| Retained earnings to average equity (ytd only) | 6.0536% | 1,989 |
| Net charge-offs to loans | 0.3224% | 3,780 |
| Credit loss provision to net charge-offs | 136.5217% | 2,186 |
| Earnings coverage of net charge-offs (x) | 6.4470% | 2,515 |
| Efficiency ratio | 66.5644% | 4,641 |
| Assets per employee ($millions) | 3.1044% | 5,888 |
| Cash dividends to net income (ytd only)* | 28.1822% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 4,447 |
| Loan loss allowance to noncurrent loans | 116.2761% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 5,135 |
| Noncurrent loans to loans | 1.2059% | 4,363 |
| Net loans and leases to total assets | 61.8159% | 3,636 |
| Net loans and leases to deposits | 68.2202% | 4,405 |
| Net loans and leases to core deposits | 69.9392% | 4,783 |
| Total domestic deposits to total assets | 90.6124% | 659 |
| Equity capital to assets | 8.5044% | 6,147 |
| Core capital (leverage) ratio | 8.0589% | 6,195 |
| Tier 1 risk-based capital ratio | 11.0665% | 6,420 |
| Total risk-based capital ratio | 12.2663% | 6,428 |
| Memoranda: | ||
| Average total assets | $297,225,200 | 2,154 |
| Average earning assets | $278,662,600 | 2,107 |
| Average equity | $25,257,800 | 2,547 |
| Average total loans | $178,370,400 | 2,272 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 5,735 |
| Cost of funding earning assets | 1.0045% | 3,651 |
| Net interest margin | 3.3570% | 5,692 |
| Noninterest income to average assets | 0.5611% | 3,440 |
| Noninterest expense to average assets | 2.5226% | 5,389 |
| Loan and lease loss provision to assets | 0.2105% | 3,922 |
| Net operating income to assets | 0.7327% | 3,460 |
| Return on assets (ROA) | 0.7331% | 3,640 |
| Pretax return on assets | 0.9771% | 3,486 |
| Return on Equity (ROE) | 8.6281% | 2,772 |
| Retained earnings to average equity (ytd only) | 6.2255% | 2,418 |
| Net charge-offs to loans | 0.0153% | 5,938 |
| Credit loss provision to net charge-offs | 2,320.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 130.8305% | 284 |
| Efficiency ratio | 67.9995% | 4,311 |
| Assets per employee ($millions) | 3.0139% | 6,086 |
| Cash dividends to net income (ytd only)* | 27.8468% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 3,584 |
| Loan loss allowance to noncurrent loans | 105.4824% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.0737% | 4,621 |
| Noncurrent loans to loans | 1.5331% | 3,984 |
| Net loans and leases to total assets | 58.0668% | 4,505 |
| Net loans and leases to deposits | 64.0104% | 5,168 |
| Net loans and leases to core deposits | 65.6794% | 5,448 |
| Total domestic deposits to total assets | 90.7146% | 547 |
| Equity capital to assets | 8.4672% | 6,330 |
| Core capital (leverage) ratio | 8.0452% | 6,350 |
| Tier 1 risk-based capital ratio | 11.2920% | 6,367 |
| Total risk-based capital ratio | 12.5435% | 6,361 |
| Memoranda: | ||
| Average total assets | $293,921,250 | 2,179 |
| Average earning assets | $275,679,000 | 2,136 |
| Average equity | $24,972,000 | 2,573 |
| Average total loans | $174,305,250 | 2,333 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 5,909 |
| Cost of funding earning assets | 1.0355% | 3,698 |
| Net interest margin | 3.2948% | 5,875 |
| Noninterest income to average assets | 0.6012% | 3,135 |
| Noninterest expense to average assets | 2.5872% | 5,233 |
| Loan and lease loss provision to assets | 0.2379% | 3,539 |
| Net operating income to assets | 0.6610% | 3,737 |
| Return on assets (ROA) | 0.6615% | 3,858 |
| Pretax return on assets | 0.8703% | 3,756 |
| Return on Equity (ROE) | 7.7769% | 3,057 |
| Retained earnings to average equity (ytd only) | 5.3313% | 2,788 |
| Net charge-offs to loans | -0.0327% | 6,943 |
| Credit loss provision to net charge-offs | -1,225.0000% | 6,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0263% | 4,117 |
| Assets per employee ($millions) | 2.9827% | 6,124 |
| Cash dividends to net income (ytd only)* | 31.4465% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 3,521 |
| Loan loss allowance to noncurrent loans | 103.9195% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.0758% | 4,730 |
| Noncurrent loans to loans | 1.5802% | 4,028 |
| Net loans and leases to total assets | 56.3440% | 4,934 |
| Net loans and leases to deposits | 62.0898% | 5,492 |
| Net loans and leases to core deposits | 63.3522% | 5,790 |
| Total domestic deposits to total assets | 90.7460% | 610 |
| Equity capital to assets | 8.2967% | 6,430 |
| Core capital (leverage) ratio | 8.1501% | 6,098 |
| Tier 1 risk-based capital ratio | 11.3568% | 6,281 |
| Total risk-based capital ratio | 12.6081% | 6,269 |
| Memoranda: | ||
| Average total assets | $288,417,000 | 2,224 |
| Average earning assets | $270,789,670 | 2,174 |
| Average equity | $24,534,330 | 2,601 |
| Average total loans | $171,333,000 | 2,390 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 5,834 |
| Cost of funding earning assets | 1.0751% | 3,692 |
| Net interest margin | 3.2804% | 5,842 |
| Noninterest income to average assets | 0.5591% | 3,440 |
| Noninterest expense to average assets | 2.6823% | 4,905 |
| Loan and lease loss provision to assets | 0.2580% | 3,080 |
| Net operating income to assets | 0.5448% | 4,293 |
| Return on assets (ROA) | 0.5448% | 4,374 |
| Pretax return on assets | 0.6939% | 4,328 |
| Return on Equity (ROE) | 6.3183% | 3,719 |
| Retained earnings to average equity (ytd only) | 3.8243% | 3,878 |
| Net charge-offs to loans | -0.0615% | 6,952 |
| Credit loss provision to net charge-offs | -692.3077% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8067% | 3,548 |
| Assets per employee ($millions) | 2.7955% | 6,546 |
| Cash dividends to net income (ytd only)* | 39.4737% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 3,609 |
| Loan loss allowance to noncurrent loans | 81.3676% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.4680% | 4,055 |
| Noncurrent loans to loans | 2.0027% | 3,573 |
| Net loans and leases to total assets | 57.6883% | 4,694 |
| Net loans and leases to deposits | 63.6903% | 5,291 |
| Net loans and leases to core deposits | 65.2863% | 5,588 |
| Total domestic deposits to total assets | 90.5764% | 808 |
| Equity capital to assets | 8.4851% | 5,928 |
| Core capital (leverage) ratio | 8.5264% | 5,399 |
| Tier 1 risk-based capital ratio | 12.0618% | 5,632 |
| Total risk-based capital ratio | 13.3132% | 5,625 |
| Memoranda: | ||
| Average total assets | $279,016,500 | 2,314 |
| Average earning assets | $261,552,500 | 2,257 |
| Average equity | $24,057,000 | 2,636 |
| Average total loans | $169,005,000 | 2,446 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8902% | 5,083 |
| Cost of funding earning assets | 1.2598% | 4,148 |
| Net interest margin | 3.6304% | 4,668 |
| Noninterest income to average assets | 0.8713% | 1,966 |
| Noninterest expense to average assets | 2.8196% | 4,522 |
| Loan and lease loss provision to assets | 0.3479% | 4,044 |
| Net operating income to assets | 0.7684% | 2,924 |
| Return on assets (ROA) | 0.8034% | 2,917 |
| Pretax return on assets | 1.1425% | 2,424 |
| Return on Equity (ROE) | 8.4936% | 2,504 |
| Retained earnings to average equity (ytd only) | 5.9745% | 1,835 |
| Net charge-offs to loans | 0.3720% | 4,174 |
| Credit loss provision to net charge-offs | 141.7476% | 2,646 |
| Earnings coverage of net charge-offs (x) | 5.8689% | 2,507 |
| Efficiency ratio | 66.1881% | 4,935 |
| Assets per employee ($millions) | 2.7019% | 6,683 |
| Cash dividends to net income (ytd only)* | 29.6589% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 4,154 |
| Loan loss allowance to noncurrent loans | 85.2742% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.2379% | 4,545 |
| Noncurrent loans to loans | 1.7296% | 3,903 |
| Net loans and leases to total assets | 61.6629% | 4,357 |
| Net loans and leases to deposits | 68.3272% | 5,060 |
| Net loans and leases to core deposits | 70.2912% | 5,419 |
| Total domestic deposits to total assets | 90.2465% | 956 |
| Equity capital to assets | 8.7652% | 5,490 |
| Core capital (leverage) ratio | 8.7194% | 4,984 |
| Tier 1 risk-based capital ratio | 12.0983% | 5,389 |
| Total risk-based capital ratio | 13.3484% | 5,372 |
| Memoranda: | ||
| Average total assets | $251,806,400 | 2,530 |
| Average earning assets | $235,041,200 | 2,479 |
| Average equity | $23,817,800 | 2,675 |
| Average total loans | $166,110,600 | 2,526 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9328% | 5,122 |
| Cost of funding earning assets | 1.2816% | 4,358 |
| Net interest margin | 3.6511% | 4,630 |
| Noninterest income to average assets | 0.8734% | 1,895 |
| Noninterest expense to average assets | 2.8441% | 4,299 |
| Loan and lease loss provision to assets | 0.1384% | 5,642 |
| Net operating income to assets | 0.8448% | 2,827 |
| Return on assets (ROA) | 0.8891% | 2,796 |
| Pretax return on assets | 1.3623% | 1,999 |
| Return on Equity (ROE) | 9.2128% | 2,423 |
| Retained earnings to average equity (ytd only) | 6.6910% | 1,989 |
| Net charge-offs to loans | 0.3023% | 4,158 |
| Credit loss provision to net charge-offs | 68.4492% | 5,459 |
| Earnings coverage of net charge-offs (x) | 7.0829% | 2,387 |
| Efficiency ratio | 66.5023% | 4,756 |
| Assets per employee ($millions) | 2.5921% | 6,955 |
| Cash dividends to net income (ytd only)* | 27.3724% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 5,312 |
| Loan loss allowance to noncurrent loans | 68.2267% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.3208% | 4,505 |
| Noncurrent loans to loans | 1.8108% | 3,933 |
| Net loans and leases to total assets | 64.7963% | 3,952 |
| Net loans and leases to deposits | 72.8823% | 4,713 |
| Net loans and leases to core deposits | 75.0763% | 5,169 |
| Total domestic deposits to total assets | 88.9054% | 1,446 |
| Equity capital to assets | 9.3226% | 5,098 |
| Core capital (leverage) ratio | 9.0950% | 4,537 |
| Tier 1 risk-based capital ratio | 12.1272% | 5,337 |
| Total risk-based capital ratio | 13.2316% | 5,445 |
| Memoranda: | ||
| Average total assets | $246,536,250 | 2,609 |
| Average earning assets | $229,804,000 | 2,568 |
| Average equity | $23,792,500 | 2,717 |
| Average total loans | $164,941,000 | 2,587 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 4,890 |
| Cost of funding earning assets | 1.3158% | 4,436 |
| Net interest margin | 3.6959% | 4,380 |
| Noninterest income to average assets | 0.8887% | 1,730 |
| Noninterest expense to average assets | 2.8921% | 4,109 |
| Loan and lease loss provision to assets | 0.1106% | 5,798 |
| Net operating income to assets | 0.8457% | 2,748 |
| Return on assets (ROA) | 0.9128% | 2,612 |
| Pretax return on assets | 1.4373% | 1,734 |
| Return on Equity (ROE) | 9.3418% | 2,335 |
| Retained earnings to average equity (ytd only) | 6.7894% | 1,929 |
| Net charge-offs to loans | 0.2751% | 3,963 |
| Credit loss provision to net charge-offs | 59.6413% | 5,209 |
| Earnings coverage of net charge-offs (x) | 7.7848% | 2,238 |
| Efficiency ratio | 66.7114% | 4,838 |
| Assets per employee ($millions) | 2.4784% | 7,128 |
| Cash dividends to net income (ytd only)* | 27.3224% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 4,870 |
| Loan loss allowance to noncurrent loans | 65.8078% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.6091% | 4,027 |
| Noncurrent loans to loans | 1.9868% | 3,735 |
| Net loans and leases to total assets | 65.4669% | 3,946 |
| Net loans and leases to deposits | 73.8203% | 4,706 |
| Net loans and leases to core deposits | 75.2937% | 5,284 |
| Total domestic deposits to total assets | 88.6840% | 1,612 |
| Equity capital to assets | 9.6209% | 4,514 |
| Core capital (leverage) ratio | 9.4419% | 3,909 |
| Tier 1 risk-based capital ratio | 12.4737% | 4,880 |
| Total risk-based capital ratio | 13.6442% | 4,934 |
| Memoranda: | ||
| Average total assets | $240,585,000 | 2,694 |
| Average earning assets | $224,357,330 | 2,634 |
| Average equity | $23,507,330 | 2,744 |
| Average total loans | $162,102,000 | 2,663 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9821% | 5,100 |
| Cost of funding earning assets | 1.3498% | 4,497 |
| Net interest margin | 3.6323% | 4,568 |
| Noninterest income to average assets | 0.7500% | 2,302 |
| Noninterest expense to average assets | 2.9561% | 3,833 |
| Loan and lease loss provision to assets | 0.1018% | 5,613 |
| Net operating income to assets | 0.7925% | 3,002 |
| Return on assets (ROA) | 0.7925% | 3,113 |
| Pretax return on assets | 1.0759% | 2,821 |
| Return on Equity (ROE) | 8.0450% | 2,863 |
| Retained earnings to average equity (ytd only) | 5.4609% | 2,891 |
| Net charge-offs to loans | 0.5296% | 2,477 |
| Credit loss provision to net charge-offs | 28.3019% | 4,840 |
| Earnings coverage of net charge-offs (x) | 3.2736% | 2,956 |
| Efficiency ratio | 71.5107% | 4,025 |
| Assets per employee ($millions) | 2.3546% | 7,389 |
| Cash dividends to net income (ytd only)* | 32.1199% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 4,968 |
| Loan loss allowance to noncurrent loans | 119.8977% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 1.0786% | 4,990 |
| Noncurrent loans to loans | 1.0793% | 5,192 |
| Net loans and leases to total assets | 67.6461% | 3,477 |
| Net loans and leases to deposits | 76.4666% | 4,329 |
| Net loans and leases to core deposits | 77.9585% | 5,024 |
| Total domestic deposits to total assets | 88.4649% | 1,816 |
| Equity capital to assets | 9.8358% | 4,071 |
| Core capital (leverage) ratio | 9.6097% | 3,630 |
| Tier 1 risk-based capital ratio | 12.9138% | 4,396 |
| Total risk-based capital ratio | 14.1159% | 4,403 |
| Memoranda: | ||
| Average total assets | $235,718,000 | 2,806 |
| Average earning assets | $219,586,500 | 2,744 |
| Average equity | $23,219,500 | 2,804 |
| Average total loans | $160,129,500 | 2,758 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4759% | 4,287 |
| Cost of funding earning assets | 1.6942% | 4,544 |
| Net interest margin | 3.7817% | 3,787 |
| Noninterest income to average assets | 1.0801% | 1,324 |
| Noninterest expense to average assets | 3.1613% | 3,504 |
| Loan and lease loss provision to assets | 0.4687% | 4,015 |
| Net operating income to assets | 0.7185% | 2,858 |
| Return on assets (ROA) | 0.6303% | 3,279 |
| Pretax return on assets | 0.8552% | 3,070 |
| Return on Equity (ROE) | 6.4972% | 2,997 |
| Retained earnings to average equity (ytd only) | 6.4972% | 1,151 |
| Net charge-offs to loans | 0.6269% | 3,327 |
| Credit loss provision to net charge-offs | 110.8471% | 4,961 |
| Earnings coverage of net charge-offs (x) | 3.4132% | 3,355 |
| Efficiency ratio | 68.6587% | 4,890 |
| Assets per employee ($millions) | 2.3131% | 7,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 4,039 |
| Loan loss allowance to noncurrent loans | 81.6540% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 4,315 |
| Noncurrent loans to loans | 1.7606% | 3,995 |
| Net loans and leases to total assets | 66.3538% | 4,066 |
| Net loans and leases to deposits | 73.9472% | 5,048 |
| Net loans and leases to core deposits | 81.3908% | 5,968 |
| Total domestic deposits to total assets | 89.7313% | 1,092 |
| Equity capital to assets | 9.8655% | 3,928 |
| Core capital (leverage) ratio | 9.4851% | 3,738 |
| Tier 1 risk-based capital ratio | 13.0739% | 4,095 |
| Total risk-based capital ratio | 14.3246% | 4,041 |
| Memoranda: | ||
| Average total assets | $228,953,000 | 2,836 |
| Average earning assets | $213,371,200 | 2,788 |
| Average equity | $22,209,400 | 2,923 |
| Average total loans | $154,422,800 | 2,854 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5192% | 4,323 |
| Cost of funding earning assets | 1.7489% | 4,641 |
| Net interest margin | 3.7703% | 3,774 |
| Noninterest income to average assets | 1.1314% | 1,228 |
| Noninterest expense to average assets | 3.0812% | 3,716 |
| Loan and lease loss provision to assets | 0.4273% | 3,766 |
| Net operating income to assets | 0.8619% | 2,569 |
| Return on assets (ROA) | 0.7399% | 3,124 |
| Pretax return on assets | 0.9834% | 2,958 |
| Return on Equity (ROE) | 7.6605% | 2,789 |
| Retained earnings to average equity (ytd only) | 7.6605% | 1,246 |
| Net charge-offs to loans | 0.0755% | 5,934 |
| Credit loss provision to net charge-offs | 839.0805% | 453 |
| Earnings coverage of net charge-offs (x) | 30.8958% | 918 |
| Efficiency ratio | 66.1972% | 5,328 |
| Assets per employee ($millions) | 2.3538% | 7,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 2,441 |
| Loan loss allowance to noncurrent loans | 73.7744% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.7793% | 3,686 |
| Noncurrent loans to loans | 2.3731% | 3,179 |
| Net loans and leases to total assets | 66.7339% | 4,252 |
| Net loans and leases to deposits | 74.3106% | 5,327 |
| Net loans and leases to core deposits | 81.5942% | 6,224 |
| Total domestic deposits to total assets | 89.8041% | 843 |
| Equity capital to assets | 9.8212% | 4,323 |
| Core capital (leverage) ratio | 9.4002% | 4,046 |
| Tier 1 risk-based capital ratio | 12.8527% | 4,293 |
| Total risk-based capital ratio | 14.1062% | 4,230 |
| Memoranda: | ||
| Average total assets | $227,785,750 | 2,866 |
| Average earning assets | $212,850,500 | 2,817 |
| Average equity | $21,999,750 | 2,972 |
| Average total loans | $153,709,000 | 2,888 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6494% | 3,818 |
| Cost of funding earning assets | 1.8352% | 4,582 |
| Net interest margin | 3.8142% | 3,491 |
| Noninterest income to average assets | 1.2848% | 924 |
| Noninterest expense to average assets | 3.1111% | 3,655 |
| Loan and lease loss provision to assets | 0.0213% | 7,020 |
| Net operating income to assets | 1.1146% | 1,724 |
| Return on assets (ROA) | 1.0326% | 2,077 |
| Pretax return on assets | 1.5804% | 1,252 |
| Return on Equity (ROE) | 10.7549% | 1,765 |
| Retained earnings to average equity (ytd only) | 10.7549% | 597 |
| Net charge-offs to loans | 0.0554% | 5,716 |
| Credit loss provision to net charge-offs | 57.1429% | 5,642 |
| Earnings coverage of net charge-offs (x) | 46.3333% | 728 |
| Efficiency ratio | 64.2936% | 5,852 |
| Assets per employee ($millions) | 2.2740% | 7,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 3,691 |
| Loan loss allowance to noncurrent loans | 112.7637% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 5,041 |
| Noncurrent loans to loans | 1.2470% | 4,712 |
| Net loans and leases to total assets | 65.9197% | 4,575 |
| Net loans and leases to deposits | 73.4107% | 5,550 |
| Net loans and leases to core deposits | 81.1274% | 6,311 |
| Total domestic deposits to total assets | 89.7957% | 915 |
| Equity capital to assets | 9.7764% | 4,248 |
| Core capital (leverage) ratio | 9.7158% | 3,612 |
| Tier 1 risk-based capital ratio | 12.9688% | 4,170 |
| Total risk-based capital ratio | 14.2188% | 4,087 |
| Memoranda: | ||
| Average total assets | $225,255,000 | 2,913 |
| Average earning assets | $209,900,000 | 2,869 |
| Average equity | $21,627,330 | 3,020 |
| Average total loans | $151,653,330 | 2,948 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6804% | 3,898 |
| Cost of funding earning assets | 1.9248% | 4,512 |
| Net interest margin | 3.7556% | 3,633 |
| Noninterest income to average assets | 1.2204% | 968 |
| Noninterest expense to average assets | 2.9012% | 4,154 |
| Loan and lease loss provision to assets | 0.0054% | 6,719 |
| Net operating income to assets | 1.1683% | 1,744 |
| Return on assets (ROA) | 1.1776% | 1,828 |
| Pretax return on assets | 1.8200% | 940 |
| Return on Equity (ROE) | 12.3798% | 1,545 |
| Retained earnings to average equity (ytd only) | 12.3798% | 729 |
| Net charge-offs to loans | 0.0053% | 5,622 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 507.5000% | 58 |
| Efficiency ratio | 61.5676% | 6,137 |
| Assets per employee ($millions) | 2.3334% | 7,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 3,536 |
| Loan loss allowance to noncurrent loans | 120.5702% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 5,007 |
| Noncurrent loans to loans | 1.1552% | 4,677 |
| Net loans and leases to total assets | 68.1742% | 4,092 |
| Net loans and leases to deposits | 75.9581% | 5,230 |
| Net loans and leases to core deposits | 84.2675% | 6,046 |
| Total domestic deposits to total assets | 89.7524% | 911 |
| Equity capital to assets | 9.6552% | 4,449 |
| Core capital (leverage) ratio | 9.5133% | 3,962 |
| Tier 1 risk-based capital ratio | 13.0420% | 4,164 |
| Total risk-based capital ratio | 14.2927% | 4,075 |
| Memoranda: | ||
| Average total assets | $224,180,500 | 2,944 |
| Average earning assets | $208,435,000 | 2,903 |
| Average equity | $21,325,000 | 3,070 |
| Average total loans | $151,459,000 | 2,982 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1343% | 4,869 |
| Cost of funding earning assets | 2.5372% | 4,012 |
| Net interest margin | 3.5971% | 4,904 |
| Noninterest income to average assets | 0.7244% | 2,947 |
| Noninterest expense to average assets | 2.7811% | 4,906 |
| Loan and lease loss provision to assets | 0.0042% | 7,303 |
| Net operating income to assets | 0.9037% | 2,981 |
| Return on assets (ROA) | 0.8823% | 2,921 |
| Pretax return on assets | 1.2560% | 2,459 |
| Return on Equity (ROE) | 9.3891% | 2,480 |
| Retained earnings to average equity (ytd only) | 9.3891% | 540 |
| Net charge-offs to loans | 0.0685% | 5,787 |
| Credit loss provision to net charge-offs | 9.5745% | 6,624 |
| Earnings coverage of net charge-offs (x) | 29.1383% | 1,192 |
| Efficiency ratio | 68.2986% | 4,670 |
| Assets per employee ($millions) | 2.5209% | 7,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 2,889 |
| Loan loss allowance to noncurrent loans | 123.9793% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.8781% | 4,659 |
| Noncurrent loans to loans | 1.1746% | 4,172 |
| Net loans and leases to total assets | 65.0267% | 5,059 |
| Net loans and leases to deposits | 73.9877% | 5,848 |
| Net loans and leases to core deposits | 83.7665% | 6,308 |
| Total domestic deposits to total assets | 87.8885% | 1,519 |
| Equity capital to assets | 9.3699% | 4,857 |
| Core capital (leverage) ratio | 9.1558% | 4,514 |
| Tier 1 risk-based capital ratio | 12.9228% | 4,151 |
| Total risk-based capital ratio | 14.1739% | 4,073 |
| Memoranda: | ||
| Average total assets | $212,184,000 | 2,979 |
| Average earning assets | $197,463,400 | 2,919 |
| Average equity | $19,938,000 | 3,239 |
| Average total loans | $137,172,200 | 3,142 |