Home > Heartland Bank > Performance and Condition Ratios
Heartland Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5167% | 1,132 |
| Cost of funding earning assets | 1.7996% | 1,248 |
| Net interest margin | 3.7171% | 1,727 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.5161% | 2,252 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.1634% | 1,746 |
| Return on assets (ROA) | 1.1634% | 1,723 |
| Pretax return on assets | 1.4250% | 1,583 |
| Return on Equity (ROE) | 12.6700% | 1,801 |
| Retained earnings to average equity (ytd only) | 8.1824% | 1,485 |
| Net charge-offs to loans | 0.0286% | 1,728 |
| Credit loss provision to net charge-offs | 571.8970% | 613 |
| Earnings coverage of net charge-offs (x) | 65.7799% | 1,135 |
| Efficiency ratio | 61.3591% | 2,931 |
| Assets per employee ($millions) | 6.5757% | 2,361 |
| Cash dividends to net income (ytd only)* | 35.3933% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 2,515 |
| Loan loss allowance to noncurrent loans | 857.3888% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 2,796 |
| Noncurrent loans to loans | 0.1349% | 2,831 |
| Net loans and leases to total assets | 81.4500% | 483 |
| Net loans and leases to deposits | 92.4551% | 1,056 |
| Net loans and leases to core deposits | 106.1119% | 1,106 |
| Total domestic deposits to total assets | 88.1000% | 1,317 |
| Equity capital to assets | 9.3400% | 2,466 |
| Core capital (leverage) ratio | 9.7575% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7998% | 2,306 |
| Memoranda: | ||
| Average total assets | $1,788,625,800 | 629 |
| Average earning assets | $1,671,626,800 | 615 |
| Average equity | $164,303,000 | 630 |
| Average total loans | $1,491,138,600 | 514 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4246% | 1,098 |
| Cost of funding earning assets | 1.6651% | 1,249 |
| Net interest margin | 3.7596% | 1,668 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.5609% | 2,052 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.1463% | 1,927 |
| Return on assets (ROA) | 1.1463% | 1,911 |
| Pretax return on assets | 1.4044% | 1,770 |
| Return on Equity (ROE) | 12.5300% | 1,996 |
| Retained earnings to average equity (ytd only) | 7.7158% | 2,069 |
| Net charge-offs to loans | 0.0098% | 2,041 |
| Credit loss provision to net charge-offs | 1,239.8148% | 348 |
| Earnings coverage of net charge-offs (x) | 191.1852% | 619 |
| Efficiency ratio | 61.9391% | 2,724 |
| Assets per employee ($millions) | 6.1750% | 2,590 |
| Cash dividends to net income (ytd only)* | 38.4453% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 2,740 |
| Loan loss allowance to noncurrent loans | 824.1827% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 2,811 |
| Noncurrent loans to loans | 0.1366% | 2,874 |
| Net loans and leases to total assets | 82.0800% | 427 |
| Net loans and leases to deposits | 94.4044% | 868 |
| Net loans and leases to core deposits | 108.1966% | 934 |
| Total domestic deposits to total assets | 86.9500% | 1,911 |
| Equity capital to assets | 8.8546% | 2,499 |
| Core capital (leverage) ratio | 9.6899% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7655% | 2,360 |
| Memoranda: | ||
| Average total assets | $1,765,619,250 | 634 |
| Average earning assets | $1,648,829,750 | 622 |
| Average equity | $161,465,500 | 632 |
| Average total loans | $1,476,499,500 | 518 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 1,116 |
| Cost of funding earning assets | 1.4707% | 1,300 |
| Net interest margin | 3.8009% | 1,624 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.5738% | 1,993 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.1372% | 2,014 |
| Return on assets (ROA) | 1.1372% | 2,007 |
| Pretax return on assets | 1.3939% | 1,828 |
| Return on Equity (ROE) | 12.3000% | 2,066 |
| Retained earnings to average equity (ytd only) | 7.7291% | 2,059 |
| Net charge-offs to loans | 0.0085% | 1,886 |
| Credit loss provision to net charge-offs | 1,954.8387% | 269 |
| Earnings coverage of net charge-offs (x) | 220.9194% | 554 |
| Efficiency ratio | 61.8613% | 2,731 |
| Assets per employee ($millions) | 6.1825% | 2,559 |
| Cash dividends to net income (ytd only)* | 37.1544% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 2,790 |
| Loan loss allowance to noncurrent loans | 789.9537% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 2,699 |
| Noncurrent loans to loans | 0.1432% | 2,754 |
| Net loans and leases to total assets | 82.5900% | 368 |
| Net loans and leases to deposits | 94.7901% | 797 |
| Net loans and leases to core deposits | 112.5456% | 729 |
| Total domestic deposits to total assets | 87.1200% | 1,892 |
| Equity capital to assets | 9.0984% | 2,443 |
| Core capital (leverage) ratio | 9.7797% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5911% | 2,439 |
| Memoranda: | ||
| Average total assets | $1,742,838,000 | 626 |
| Average earning assets | $1,628,651,000 | 617 |
| Average equity | $161,157,000 | 631 |
| Average total loans | $1,461,171,333 | 511 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1300% | 1,051 |
| Cost of funding earning assets | 1.2159% | 1,411 |
| Net interest margin | 3.9141% | 1,453 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.6289% | 1,876 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.1269% | 2,137 |
| Return on assets (ROA) | 1.1269% | 2,105 |
| Pretax return on assets | 1.3809% | 1,935 |
| Return on Equity (ROE) | 12.0800% | 2,199 |
| Retained earnings to average equity (ytd only) | 6.6888% | 2,590 |
| Net charge-offs to loans | 0.0053% | 1,773 |
| Credit loss provision to net charge-offs | 3,947.3684% | 112 |
| Earnings coverage of net charge-offs (x) | 350.4737% | 321 |
| Efficiency ratio | 62.5698% | 2,625 |
| Assets per employee ($millions) | 6.1629% | 2,618 |
| Cash dividends to net income (ytd only)* | 44.6495% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 2,893 |
| Loan loss allowance to noncurrent loans | 1,034.4313% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 2,897 |
| Noncurrent loans to loans | 0.1095% | 2,978 |
| Net loans and leases to total assets | 82.4500% | 329 |
| Net loans and leases to deposits | 91.8082% | 929 |
| Net loans and leases to core deposits | 107.6775% | 769 |
| Total domestic deposits to total assets | 89.8100% | 1,227 |
| Equity capital to assets | 9.1848% | 2,381 |
| Core capital (leverage) ratio | 9.9402% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6468% | 2,517 |
| Memoranda: | ||
| Average total assets | $1,711,611,500 | 647 |
| Average earning assets | $1,598,510,000 | 637 |
| Average equity | $159,609,500 | 650 |
| Average total loans | $1,437,775,500 | 529 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4330% | 827 |
| Cost of funding earning assets | 0.3378% | 2,567 |
| Net interest margin | 4.0952% | 665 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.7380% | 1,470 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.2644% | 1,551 |
| Return on assets (ROA) | 1.2644% | 1,500 |
| Pretax return on assets | 1.5598% | 1,268 |
| Return on Equity (ROE) | 12.1800% | 2,085 |
| Retained earnings to average equity (ytd only) | 7.8966% | 1,877 |
| Net charge-offs to loans | 0.0235% | 1,593 |
| Credit loss provision to net charge-offs | 653.0612% | 564 |
| Earnings coverage of net charge-offs (x) | 87.6020% | 1,036 |
| Efficiency ratio | 61.6303% | 2,817 |
| Assets per employee ($millions) | 5.9735% | 2,790 |
| Cash dividends to net income (ytd only)* | 35.1465% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 2,487 |
| Loan loss allowance to noncurrent loans | 1,320.9395% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 3,033 |
| Noncurrent loans to loans | 0.0894% | 3,116 |
| Net loans and leases to total assets | 83.6400% | 287 |
| Net loans and leases to deposits | 94.4410% | 752 |
| Net loans and leases to core deposits | 105.8617% | 752 |
| Total domestic deposits to total assets | 88.5700% | 1,856 |
| Equity capital to assets | 9.4740% | 2,029 |
| Core capital (leverage) ratio | 10.3171% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7868% | 2,455 |
| Memoranda: | ||
| Average total assets | $1,528,115,200 | 690 |
| Average earning assets | $1,421,260,600 | 682 |
| Average equity | $158,688,200 | 652 |
| Average total loans | $1,253,084,400 | 559 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2396% | 826 |
| Cost of funding earning assets | 0.2035% | 3,226 |
| Net interest margin | 4.0361% | 596 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.7274% | 1,408 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.2500% | 1,523 |
| Return on assets (ROA) | 1.2500% | 1,495 |
| Pretax return on assets | 1.5485% | 1,273 |
| Return on Equity (ROE) | 11.7500% | 2,121 |
| Retained earnings to average equity (ytd only) | 7.2203% | 2,292 |
| Net charge-offs to loans | 0.0193% | 1,451 |
| Credit loss provision to net charge-offs | 818.1818% | 465 |
| Earnings coverage of net charge-offs (x) | 106.8352% | 918 |
| Efficiency ratio | 61.6455% | 2,873 |
| Assets per employee ($millions) | 5.4997% | 3,217 |
| Cash dividends to net income (ytd only)* | 38.5559% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,364 |
| Loan loss allowance to noncurrent loans | 1,471.3509% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 3,191 |
| Noncurrent loans to loans | 0.0837% | 3,280 |
| Net loans and leases to total assets | 82.7600% | 335 |
| Net loans and leases to deposits | 95.4699% | 578 |
| Net loans and leases to core deposits | 102.9233% | 701 |
| Total domestic deposits to total assets | 86.6900% | 2,856 |
| Equity capital to assets | 9.7132% | 1,764 |
| Core capital (leverage) ratio | 10.6554% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1650% | 2,401 |
| Memoranda: | ||
| Average total assets | $1,494,987,000 | 707 |
| Average earning assets | $1,389,875,250 | 697 |
| Average equity | $159,028,250 | 659 |
| Average total loans | $1,214,958,500 | 564 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0301% | 896 |
| Cost of funding earning assets | 0.1465% | 3,621 |
| Net interest margin | 3.8836% | 628 |
| Noninterest income to average assets | 0.7086% | 1,298 |
| Noninterest expense to average assets | 2.7339% | 1,308 |
| Loan and lease loss provision to assets | 0.1307% | 741 |
| Net operating income to assets | 1.1789% | 1,503 |
| Return on assets (ROA) | 1.1789% | 1,478 |
| Pretax return on assets | 1.4596% | 1,284 |
| Return on Equity (ROE) | 10.7491% | 2,074 |
| Retained earnings to average equity (ytd only) | 6.5359% | 2,163 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9274% | 2,929 |
| Assets per employee ($millions) | 5.3543% | 3,384 |
| Cash dividends to net income (ytd only)* | 39.1962% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 2,121 |
| Loan loss allowance to noncurrent loans | 1,094.5017% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 3,025 |
| Noncurrent loans to loans | 0.1201% | 3,133 |
| Net loans and leases to total assets | 80.0388% | 402 |
| Net loans and leases to deposits | 90.9189% | 670 |
| Net loans and leases to core deposits | 95.8852% | 838 |
| Total domestic deposits to total assets | 88.0332% | 2,558 |
| Equity capital to assets | 10.4088% | 1,476 |
| Core capital (leverage) ratio | 11.1118% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8256% | 2,138 |
| Memoranda: | ||
| Average total assets | $1,469,012,000 | 709 |
| Average earning assets | $1,367,645,667 | 703 |
| Average equity | $161,111,000 | 657 |
| Average total loans | $1,180,603,333 | 577 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0010% | 771 |
| Cost of funding earning assets | 0.1446% | 3,573 |
| Net interest margin | 3.8564% | 557 |
| Noninterest income to average assets | 0.7653% | 1,134 |
| Noninterest expense to average assets | 2.7198% | 1,312 |
| Loan and lease loss provision to assets | 0.1318% | 620 |
| Net operating income to assets | 1.2196% | 1,202 |
| Return on assets (ROA) | 1.2196% | 1,186 |
| Pretax return on assets | 1.5107% | 1,000 |
| Return on Equity (ROE) | 10.8370% | 1,667 |
| Retained earnings to average equity (ytd only) | 5.9370% | 2,272 |
| Net charge-offs to loans | -0.0017% | 3,083 |
| Credit loss provision to net charge-offs | -9,600.0000% | 3,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0334% | 3,256 |
| Assets per employee ($millions) | 5.2871% | 3,497 |
| Cash dividends to net income (ytd only)* | 45.2150% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 2,177 |
| Loan loss allowance to noncurrent loans | 1,286.4280% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 3,247 |
| Noncurrent loans to loans | 0.1040% | 3,320 |
| Net loans and leases to total assets | 78.6339% | 329 |
| Net loans and leases to deposits | 89.6749% | 528 |
| Net loans and leases to core deposits | 91.5776% | 837 |
| Total domestic deposits to total assets | 87.6877% | 2,668 |
| Equity capital to assets | 11.1147% | 1,278 |
| Core capital (leverage) ratio | 10.9244% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2558% | 2,093 |
| Memoranda: | ||
| Average total assets | $1,456,590,500 | 720 |
| Average earning assets | $1,358,572,500 | 712 |
| Average equity | $163,920,000 | 664 |
| Average total loans | $1,165,110,500 | 580 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 1,526 |
| Cost of funding earning assets | 0.2644% | 2,764 |
| Net interest margin | 3.6704% | 1,284 |
| Noninterest income to average assets | 0.7740% | 1,521 |
| Noninterest expense to average assets | 2.4414% | 2,361 |
| Loan and lease loss provision to assets | 0.1274% | 959 |
| Net operating income to assets | 1.3037% | 1,588 |
| Return on assets (ROA) | 1.3155% | 1,599 |
| Pretax return on assets | 1.6402% | 1,309 |
| Return on Equity (ROE) | 12.3572% | 1,694 |
| Retained earnings to average equity (ytd only) | 8.4544% | 1,365 |
| Net charge-offs to loans | 0.0956% | 878 |
| Credit loss provision to net charge-offs | 174.2287% | 1,393 |
| Earnings coverage of net charge-offs (x) | 23.9728% | 1,761 |
| Efficiency ratio | 57.8812% | 3,467 |
| Assets per employee ($millions) | 5.3063% | 3,468 |
| Cash dividends to net income (ytd only)* | 31.5832% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,487 |
| Loan loss allowance to noncurrent loans | 906.4204% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 3,141 |
| Noncurrent loans to loans | 0.1404% | 3,234 |
| Net loans and leases to total assets | 79.2524% | 306 |
| Net loans and leases to deposits | 91.5026% | 502 |
| Net loans and leases to core deposits | 93.5888% | 801 |
| Total domestic deposits to total assets | 86.6122% | 2,662 |
| Equity capital to assets | 11.3911% | 1,560 |
| Core capital (leverage) ratio | 10.6050% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2087% | 2,158 |
| Memoranda: | ||
| Average total assets | $1,507,174,000 | 684 |
| Average earning assets | $1,404,448,600 | 679 |
| Average equity | $160,448,800 | 671 |
| Average total loans | $1,153,154,800 | 575 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8648% | 1,877 |
| Cost of funding earning assets | 0.2936% | 2,656 |
| Net interest margin | 3.5712% | 1,671 |
| Noninterest income to average assets | 0.7381% | 1,703 |
| Noninterest expense to average assets | 2.3812% | 2,497 |
| Loan and lease loss provision to assets | 0.1265% | 925 |
| Net operating income to assets | 1.2513% | 1,985 |
| Return on assets (ROA) | 1.2672% | 1,986 |
| Pretax return on assets | 1.5741% | 1,781 |
| Return on Equity (ROE) | 12.1081% | 2,008 |
| Retained earnings to average equity (ytd only) | 7.9072% | 2,086 |
| Net charge-offs to loans | 0.1435% | 572 |
| Credit loss provision to net charge-offs | 116.5992% | 1,479 |
| Earnings coverage of net charge-offs (x) | 15.4955% | 1,863 |
| Efficiency ratio | 58.2787% | 3,222 |
| Assets per employee ($millions) | 5.2410% | 3,463 |
| Cash dividends to net income (ytd only)* | 34.6943% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,755 |
| Loan loss allowance to noncurrent loans | 520.9437% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 2,848 |
| Noncurrent loans to loans | 0.2394% | 2,974 |
| Net loans and leases to total assets | 78.2925% | 381 |
| Net loans and leases to deposits | 90.5794% | 574 |
| Net loans and leases to core deposits | 93.3775% | 854 |
| Total domestic deposits to total assets | 86.4352% | 2,588 |
| Equity capital to assets | 11.2618% | 1,845 |
| Core capital (leverage) ratio | 10.0732% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3855% | 2,211 |
| Memoranda: | ||
| Average total assets | $1,517,835,500 | 684 |
| Average earning assets | $1,412,809,000 | 678 |
| Average equity | $158,854,500 | 689 |
| Average total loans | $1,147,533,750 | 591 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7782% | 2,123 |
| Cost of funding earning assets | 0.3218% | 2,571 |
| Net interest margin | 3.4564% | 1,987 |
| Noninterest income to average assets | 0.7120% | 1,760 |
| Noninterest expense to average assets | 2.3153% | 2,721 |
| Loan and lease loss provision to assets | 0.1247% | 1,007 |
| Net operating income to assets | 1.2095% | 2,157 |
| Return on assets (ROA) | 1.2330% | 2,137 |
| Pretax return on assets | 1.5165% | 1,968 |
| Return on Equity (ROE) | 12.0693% | 2,029 |
| Retained earnings to average equity (ytd only) | 8.0937% | 2,044 |
| Net charge-offs to loans | 0.2163% | 402 |
| Credit loss provision to net charge-offs | 77.4194% | 1,496 |
| Earnings coverage of net charge-offs (x) | 10.0105% | 1,816 |
| Efficiency ratio | 58.5965% | 3,203 |
| Assets per employee ($millions) | 5.4403% | 3,194 |
| Cash dividends to net income (ytd only)* | 32.9401% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 2,903 |
| Loan loss allowance to noncurrent loans | 427.0711% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 2,855 |
| Noncurrent loans to loans | 0.2825% | 2,923 |
| Net loans and leases to total assets | 75.3569% | 647 |
| Net loans and leases to deposits | 86.6180% | 876 |
| Net loans and leases to core deposits | 90.0395% | 1,137 |
| Total domestic deposits to total assets | 86.9991% | 2,321 |
| Equity capital to assets | 10.6468% | 2,271 |
| Core capital (leverage) ratio | 9.6252% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7800% | 2,066 |
| Memoranda: | ||
| Average total assets | $1,539,864,667 | 672 |
| Average earning assets | $1,432,531,667 | 666 |
| Average equity | $157,308,333 | 687 |
| Average total loans | $1,146,391,000 | 594 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7698% | 2,185 |
| Cost of funding earning assets | 0.3657% | 2,397 |
| Net interest margin | 3.4041% | 2,099 |
| Noninterest income to average assets | 0.7618% | 1,681 |
| Noninterest expense to average assets | 2.3075% | 2,762 |
| Loan and lease loss provision to assets | 0.1234% | 1,116 |
| Net operating income to assets | 1.2099% | 2,107 |
| Return on assets (ROA) | 1.2563% | 2,036 |
| Pretax return on assets | 1.5465% | 1,864 |
| Return on Equity (ROE) | 12.5542% | 1,810 |
| Retained earnings to average equity (ytd only) | 7.7385% | 2,340 |
| Net charge-offs to loans | -0.0077% | 3,556 |
| Credit loss provision to net charge-offs | -2,181.8182% | 3,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4907% | 3,237 |
| Assets per employee ($millions) | 5.9861% | 2,613 |
| Cash dividends to net income (ytd only)* | 38.3592% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,560 |
| Loan loss allowance to noncurrent loans | 323.4489% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 2,696 |
| Noncurrent loans to loans | 0.3941% | 2,692 |
| Net loans and leases to total assets | 72.3418% | 974 |
| Net loans and leases to deposits | 82.8652% | 1,262 |
| Net loans and leases to core deposits | 86.3539% | 1,495 |
| Total domestic deposits to total assets | 87.3006% | 2,182 |
| Equity capital to assets | 9.9604% | 2,738 |
| Core capital (leverage) ratio | 9.3221% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8787% | 1,937 |
| Memoranda: | ||
| Average total assets | $1,556,309,000 | 658 |
| Average earning assets | $1,443,896,500 | 652 |
| Average equity | $155,740,500 | 688 |
| Average total loans | $1,144,848,000 | 596 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 1,661 |
| Cost of funding earning assets | 0.6856% | 1,802 |
| Net interest margin | 3.6872% | 1,847 |
| Noninterest income to average assets | 0.8657% | 1,362 |
| Noninterest expense to average assets | 2.4547% | 2,978 |
| Loan and lease loss provision to assets | 0.4631% | 592 |
| Net operating income to assets | 1.1180% | 1,845 |
| Return on assets (ROA) | 1.1330% | 1,913 |
| Pretax return on assets | 1.3898% | 1,688 |
| Return on Equity (ROE) | 11.0386% | 1,613 |
| Retained earnings to average equity (ytd only) | 7.3519% | 1,256 |
| Net charge-offs to loans | 0.0903% | 1,552 |
| Credit loss provision to net charge-offs | 654.6392% | 1,047 |
| Earnings coverage of net charge-offs (x) | 25.9330% | 1,733 |
| Efficiency ratio | 56.9060% | 3,872 |
| Assets per employee ($millions) | 5.9395% | 2,394 |
| Cash dividends to net income (ytd only)* | 33.3977% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,746 |
| Loan loss allowance to noncurrent loans | 491.7275% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 3,353 |
| Noncurrent loans to loans | 0.2523% | 3,292 |
| Net loans and leases to total assets | 72.9360% | 1,167 |
| Net loans and leases to deposits | 85.0748% | 1,343 |
| Net loans and leases to core deposits | 90.1722% | 1,512 |
| Total domestic deposits to total assets | 85.7316% | 2,475 |
| Equity capital to assets | 10.0544% | 3,083 |
| Core capital (leverage) ratio | 9.3450% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2785% | 2,132 |
| Memoranda: | ||
| Average total assets | $1,371,074,000 | 667 |
| Average earning assets | $1,273,116,000 | 664 |
| Average equity | $140,725,000 | 710 |
| Average total loans | $1,074,608,400 | 596 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 1,679 |
| Cost of funding earning assets | 0.7609% | 1,674 |
| Net interest margin | 3.6976% | 1,955 |
| Noninterest income to average assets | 0.7882% | 1,539 |
| Noninterest expense to average assets | 2.5014% | 2,841 |
| Loan and lease loss provision to assets | 0.5623% | 474 |
| Net operating income to assets | 0.9555% | 2,499 |
| Return on assets (ROA) | 0.9579% | 2,628 |
| Pretax return on assets | 1.1693% | 2,489 |
| Return on Equity (ROE) | 9.2774% | 2,292 |
| Retained earnings to average equity (ytd only) | 5.4348% | 2,357 |
| Net charge-offs to loans | 0.0692% | 1,627 |
| Credit loss provision to net charge-offs | 1,020.0364% | 811 |
| Earnings coverage of net charge-offs (x) | 31.3588% | 1,545 |
| Efficiency ratio | 58.8188% | 3,551 |
| Assets per employee ($millions) | 6.1420% | 2,145 |
| Cash dividends to net income (ytd only)* | 41.4194% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 2,845 |
| Loan loss allowance to noncurrent loans | 308.9893% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 2,975 |
| Noncurrent loans to loans | 0.3781% | 2,934 |
| Net loans and leases to total assets | 77.0480% | 958 |
| Net loans and leases to deposits | 89.9065% | 1,273 |
| Net loans and leases to core deposits | 97.1524% | 1,367 |
| Total domestic deposits to total assets | 85.6978% | 2,180 |
| Equity capital to assets | 9.8943% | 3,341 |
| Core capital (leverage) ratio | 8.9727% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7501% | 2,303 |
| Memoranda: | ||
| Average total assets | $1,327,774,750 | 673 |
| Average earning assets | $1,235,968,750 | 666 |
| Average equity | $137,089,500 | 728 |
| Average total loans | $1,058,141,250 | 597 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 1,595 |
| Cost of funding earning assets | 0.8580% | 1,559 |
| Net interest margin | 3.7662% | 1,933 |
| Noninterest income to average assets | 0.7412% | 1,610 |
| Noninterest expense to average assets | 2.5444% | 2,842 |
| Loan and lease loss provision to assets | 0.4823% | 764 |
| Net operating income to assets | 0.9955% | 2,346 |
| Return on assets (ROA) | 0.9955% | 2,472 |
| Pretax return on assets | 1.2202% | 2,292 |
| Return on Equity (ROE) | 9.4839% | 2,160 |
| Retained earnings to average equity (ytd only) | 5.8847% | 2,130 |
| Net charge-offs to loans | 0.1361% | 1,032 |
| Credit loss provision to net charge-offs | 440.7514% | 1,324 |
| Earnings coverage of net charge-offs (x) | 15.5578% | 1,905 |
| Efficiency ratio | 59.6909% | 3,453 |
| Assets per employee ($millions) | 5.5923% | 2,553 |
| Cash dividends to net income (ytd only)* | 37.9508% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 3,877 |
| Loan loss allowance to noncurrent loans | 227.8779% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 2,931 |
| Noncurrent loans to loans | 0.4084% | 2,942 |
| Net loans and leases to total assets | 78.4282% | 799 |
| Net loans and leases to deposits | 91.6567% | 1,196 |
| Net loans and leases to core deposits | 100.9170% | 1,192 |
| Total domestic deposits to total assets | 85.5673% | 2,176 |
| Equity capital to assets | 9.7922% | 3,375 |
| Core capital (leverage) ratio | 9.0971% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6010% | 2,358 |
| Memoranda: | ||
| Average total assets | $1,264,671,333 | 690 |
| Average earning assets | $1,177,201,000 | 679 |
| Average equity | $132,751,000 | 740 |
| Average total loans | $1,016,621,333 | 609 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7877% | 1,455 |
| Cost of funding earning assets | 0.9758% | 1,535 |
| Net interest margin | 3.8119% | 1,926 |
| Noninterest income to average assets | 0.7870% | 1,351 |
| Noninterest expense to average assets | 2.8430% | 2,298 |
| Loan and lease loss provision to assets | 0.1751% | 1,688 |
| Net operating income to assets | 1.0795% | 1,907 |
| Return on assets (ROA) | 1.0795% | 2,011 |
| Pretax return on assets | 1.3208% | 1,814 |
| Return on Equity (ROE) | 9.8467% | 1,795 |
| Retained earnings to average equity (ytd only) | 5.9489% | 1,894 |
| Net charge-offs to loans | 0.0043% | 2,420 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 427.1000% | 156 |
| Efficiency ratio | 65.3778% | 3,041 |
| Assets per employee ($millions) | 4.9855% | 2,663 |
| Cash dividends to net income (ytd only)* | 39.5847% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 3,847 |
| Loan loss allowance to noncurrent loans | 352.1111% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 3,571 |
| Noncurrent loans to loans | 0.2753% | 3,507 |
| Net loans and leases to total assets | 80.7158% | 604 |
| Net loans and leases to deposits | 95.4065% | 971 |
| Net loans and leases to core deposits | 107.2549% | 979 |
| Total domestic deposits to total assets | 84.6020% | 2,568 |
| Equity capital to assets | 10.6666% | 3,179 |
| Core capital (leverage) ratio | 11.0286% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8240% | 2,358 |
| Memoranda: | ||
| Average total assets | $1,142,047,500 | 735 |
| Average earning assets | $1,064,137,000 | 720 |
| Average equity | $125,199,500 | 768 |
| Average total loans | $927,268,500 | 644 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0081% | 1,454 |
| Cost of funding earning assets | 1.0573% | 1,490 |
| Net interest margin | 3.9509% | 1,993 |
| Noninterest income to average assets | 0.5675% | 2,385 |
| Noninterest expense to average assets | 2.5959% | 3,185 |
| Loan and lease loss provision to assets | 0.1375% | 1,552 |
| Net operating income to assets | 1.2419% | 1,897 |
| Return on assets (ROA) | 1.2419% | 1,981 |
| Pretax return on assets | 1.5176% | 1,751 |
| Return on Equity (ROE) | 11.3550% | 1,746 |
| Retained earnings to average equity (ytd only) | 7.6055% | 1,115 |
| Net charge-offs to loans | 0.0325% | 2,739 |
| Credit loss provision to net charge-offs | 535.7143% | 551 |
| Earnings coverage of net charge-offs (x) | 64.4893% | 941 |
| Efficiency ratio | 61.0147% | 3,532 |
| Assets per employee ($millions) | 4.9445% | 2,663 |
| Cash dividends to net income (ytd only)* | 33.0209% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 3,629 |
| Loan loss allowance to noncurrent loans | 373.2226% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 3,622 |
| Noncurrent loans to loans | 0.2611% | 3,509 |
| Net loans and leases to total assets | 80.0764% | 774 |
| Net loans and leases to deposits | 93.4323% | 1,210 |
| Net loans and leases to core deposits | 100.7668% | 1,500 |
| Total domestic deposits to total assets | 85.7052% | 2,189 |
| Equity capital to assets | 11.2745% | 2,739 |
| Core capital (leverage) ratio | 10.8964% | 2,595 |
| Tier 1 risk-based capital ratio | 13.5632% | 3,479 |
| Total risk-based capital ratio | 14.5265% | 3,525 |
| Memoranda: | ||
| Average total assets | $1,091,026,400 | 731 |
| Average earning assets | $1,017,166,400 | 713 |
| Average equity | $119,321,800 | 765 |
| Average total loans | $862,014,200 | 666 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9801% | 1,591 |
| Cost of funding earning assets | 1.0379% | 1,591 |
| Net interest margin | 3.9421% | 2,127 |
| Noninterest income to average assets | 0.5276% | 2,567 |
| Noninterest expense to average assets | 2.5648% | 3,260 |
| Loan and lease loss provision to assets | 0.1382% | 1,400 |
| Net operating income to assets | 1.2280% | 2,099 |
| Return on assets (ROA) | 1.2280% | 2,176 |
| Pretax return on assets | 1.5016% | 1,950 |
| Return on Equity (ROE) | 11.3177% | 1,887 |
| Retained earnings to average equity (ytd only) | 7.5214% | 1,607 |
| Net charge-offs to loans | 0.0216% | 2,672 |
| Credit loss provision to net charge-offs | 815.2174% | 429 |
| Earnings coverage of net charge-offs (x) | 96.7512% | 770 |
| Efficiency ratio | 60.9826% | 3,476 |
| Assets per employee ($millions) | 5.2611% | 2,273 |
| Cash dividends to net income (ytd only)* | 33.5434% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 3,756 |
| Loan loss allowance to noncurrent loans | 261.4583% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 3,403 |
| Noncurrent loans to loans | 0.3692% | 3,234 |
| Net loans and leases to total assets | 77.0516% | 1,306 |
| Net loans and leases to deposits | 88.9844% | 1,818 |
| Net loans and leases to core deposits | 98.4267% | 1,789 |
| Total domestic deposits to total assets | 86.5900% | 1,727 |
| Equity capital to assets | 10.8352% | 3,264 |
| Core capital (leverage) ratio | 10.6631% | 2,962 |
| Tier 1 risk-based capital ratio | 13.3523% | 3,657 |
| Total risk-based capital ratio | 14.2955% | 3,723 |
| Memoranda: | ||
| Average total assets | $1,085,656,500 | 734 |
| Average earning assets | $1,012,624,000 | 721 |
| Average equity | $117,794,750 | 771 |
| Average total loans | $852,612,250 | 680 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9246% | 1,683 |
| Cost of funding earning assets | 0.9797% | 1,795 |
| Net interest margin | 3.9449% | 2,110 |
| Noninterest income to average assets | 0.5120% | 2,615 |
| Noninterest expense to average assets | 2.5954% | 3,208 |
| Loan and lease loss provision to assets | 0.1404% | 1,319 |
| Net operating income to assets | 1.1902% | 2,185 |
| Return on assets (ROA) | 1.1902% | 2,245 |
| Pretax return on assets | 1.4557% | 2,013 |
| Return on Equity (ROE) | 10.9640% | 1,991 |
| Retained earnings to average equity (ytd only) | 7.1094% | 1,758 |
| Net charge-offs to loans | 0.0720% | 1,646 |
| Credit loss provision to net charge-offs | 247.5248% | 1,033 |
| Earnings coverage of net charge-offs (x) | 28.1485% | 1,518 |
| Efficiency ratio | 61.9207% | 3,448 |
| Assets per employee ($millions) | 5.3091% | 2,144 |
| Cash dividends to net income (ytd only)* | 35.1572% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 4,015 |
| Loan loss allowance to noncurrent loans | 384.3269% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 3,825 |
| Noncurrent loans to loans | 0.2391% | 3,682 |
| Net loans and leases to total assets | 78.4348% | 1,141 |
| Net loans and leases to deposits | 92.2467% | 1,466 |
| Net loans and leases to core deposits | 107.4065% | 1,148 |
| Total domestic deposits to total assets | 85.0272% | 2,462 |
| Equity capital to assets | 10.9095% | 3,170 |
| Core capital (leverage) ratio | 11.0682% | 2,533 |
| Tier 1 risk-based capital ratio | 13.3390% | 3,667 |
| Total risk-based capital ratio | 14.2375% | 3,751 |
| Memoranda: | ||
| Average total assets | $1,068,744,330 | 743 |
| Average earning assets | $996,825,670 | 726 |
| Average equity | $116,016,000 | 773 |
| Average total loans | $842,102,000 | 684 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 1,574 |
| Cost of funding earning assets | 0.9048% | 1,975 |
| Net interest margin | 4.0007% | 1,852 |
| Noninterest income to average assets | 0.4962% | 2,571 |
| Noninterest expense to average assets | 2.6283% | 3,128 |
| Loan and lease loss provision to assets | 0.1424% | 1,202 |
| Net operating income to assets | 1.1902% | 2,096 |
| Return on assets (ROA) | 1.1902% | 2,143 |
| Pretax return on assets | 1.4537% | 1,905 |
| Return on Equity (ROE) | 10.9926% | 1,948 |
| Retained earnings to average equity (ytd only) | 7.2232% | 1,960 |
| Net charge-offs to loans | 0.1072% | 1,092 |
| Credit loss provision to net charge-offs | 168.9189% | 1,159 |
| Earnings coverage of net charge-offs (x) | 18.9369% | 1,608 |
| Efficiency ratio | 62.2180% | 3,501 |
| Assets per employee ($millions) | 5.1061% | 2,391 |
| Cash dividends to net income (ytd only)* | 34.2903% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 4,048 |
| Loan loss allowance to noncurrent loans | 372.1605% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 3,841 |
| Noncurrent loans to loans | 0.2487% | 3,674 |
| Net loans and leases to total assets | 77.6148% | 1,217 |
| Net loans and leases to deposits | 91.2417% | 1,487 |
| Net loans and leases to core deposits | 99.8574% | 1,636 |
| Total domestic deposits to total assets | 85.0650% | 2,659 |
| Equity capital to assets | 10.9084% | 2,943 |
| Core capital (leverage) ratio | 11.0769% | 2,505 |
| Tier 1 risk-based capital ratio | 13.6699% | 3,511 |
| Total risk-based capital ratio | 14.5742% | 3,615 |
| Memoranda: | ||
| Average total assets | $1,053,622,000 | 752 |
| Average earning assets | $981,839,000 | 739 |
| Average equity | $114,077,000 | 783 |
| Average total loans | $828,161,000 | 696 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7031% | 1,811 |
| Cost of funding earning assets | 0.7828% | 1,621 |
| Net interest margin | 3.9202% | 2,260 |
| Noninterest income to average assets | 0.5404% | 2,612 |
| Noninterest expense to average assets | 2.5277% | 3,532 |
| Loan and lease loss provision to assets | 0.1529% | 1,386 |
| Net operating income to assets | 1.2399% | 2,014 |
| Return on assets (ROA) | 1.2345% | 2,025 |
| Pretax return on assets | 1.5132% | 1,737 |
| Return on Equity (ROE) | 13.3594% | 1,216 |
| Retained earnings to average equity (ytd only) | 9.1026% | 826 |
| Net charge-offs to loans | 0.0229% | 2,955 |
| Credit loss provision to net charge-offs | 847.4576% | 424 |
| Earnings coverage of net charge-offs (x) | 92.7062% | 778 |
| Efficiency ratio | 60.1791% | 3,825 |
| Assets per employee ($millions) | 5.1999% | 2,267 |
| Cash dividends to net income (ytd only)* | 31.8636% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 4,098 |
| Loan loss allowance to noncurrent loans | 417.6536% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 3,944 |
| Noncurrent loans to loans | 0.2192% | 3,797 |
| Net loans and leases to total assets | 78.1451% | 1,254 |
| Net loans and leases to deposits | 91.8380% | 1,569 |
| Net loans and leases to core deposits | 100.5723% | 1,676 |
| Total domestic deposits to total assets | 85.0901% | 2,608 |
| Equity capital to assets | 10.7445% | 2,936 |
| Core capital (leverage) ratio | 11.0320% | 2,496 |
| Tier 1 risk-based capital ratio | 13.6442% | 3,465 |
| Total risk-based capital ratio | 14.5459% | 3,546 |
| Memoranda: | ||
| Average total assets | $981,036,200 | 783 |
| Average earning assets | $915,891,600 | 769 |
| Average equity | $90,655,000 | 929 |
| Average total loans | $773,469,000 | 722 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6066% | 1,959 |
| Cost of funding earning assets | 0.7467% | 1,601 |
| Net interest margin | 3.8599% | 2,434 |
| Noninterest income to average assets | 0.5571% | 2,533 |
| Noninterest expense to average assets | 2.5283% | 3,508 |
| Loan and lease loss provision to assets | 0.1554% | 1,257 |
| Net operating income to assets | 1.2079% | 2,213 |
| Return on assets (ROA) | 1.2007% | 2,238 |
| Pretax return on assets | 1.4686% | 2,002 |
| Return on Equity (ROE) | 13.5920% | 1,236 |
| Retained earnings to average equity (ytd only) | 9.1562% | 1,164 |
| Net charge-offs to loans | 0.0138% | 2,928 |
| Credit loss provision to net charge-offs | 1,424.0506% | 288 |
| Earnings coverage of net charge-offs (x) | 149.5959% | 545 |
| Efficiency ratio | 60.7597% | 3,694 |
| Assets per employee ($millions) | 5.1842% | 2,238 |
| Cash dividends to net income (ytd only)* | 32.6352% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 4,241 |
| Loan loss allowance to noncurrent loans | 182.5508% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 3,126 |
| Noncurrent loans to loans | 0.4963% | 2,904 |
| Net loans and leases to total assets | 77.8762% | 1,360 |
| Net loans and leases to deposits | 90.5720% | 1,816 |
| Net loans and leases to core deposits | 100.5302% | 1,739 |
| Total domestic deposits to total assets | 85.9827% | 2,201 |
| Equity capital to assets | 9.0073% | 4,544 |
| Core capital (leverage) ratio | 9.4779% | 4,201 |
| Tier 1 risk-based capital ratio | 11.6641% | 4,700 |
| Total risk-based capital ratio | 12.5505% | 4,791 |
| Memoranda: | ||
| Average total assets | $965,001,750 | 793 |
| Average earning assets | $901,032,750 | 777 |
| Average equity | $85,244,000 | 975 |
| Average total loans | $760,761,500 | 730 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 2,067 |
| Cost of funding earning assets | 0.6974% | 1,633 |
| Net interest margin | 3.8123% | 2,529 |
| Noninterest income to average assets | 0.5552% | 2,551 |
| Noninterest expense to average assets | 2.5319% | 3,544 |
| Loan and lease loss provision to assets | 0.1585% | 1,180 |
| Net operating income to assets | 1.1708% | 2,309 |
| Return on assets (ROA) | 1.1593% | 2,354 |
| Pretax return on assets | 1.4132% | 2,099 |
| Return on Equity (ROE) | 13.2176% | 1,294 |
| Retained earnings to average equity (ytd only) | 8.5258% | 1,396 |
| Net charge-offs to loans | 0.0206% | 2,468 |
| Credit loss provision to net charge-offs | 974.0260% | 418 |
| Earnings coverage of net charge-offs (x) | 97.4286% | 708 |
| Efficiency ratio | 61.4907% | 3,693 |
| Assets per employee ($millions) | 5.0819% | 2,311 |
| Cash dividends to net income (ytd only)* | 35.4968% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 4,459 |
| Loan loss allowance to noncurrent loans | 103.3099% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6669% | 2,237 |
| Noncurrent loans to loans | 0.8444% | 2,033 |
| Net loans and leases to total assets | 78.2909% | 1,265 |
| Net loans and leases to deposits | 92.4593% | 1,526 |
| Net loans and leases to core deposits | 101.3012% | 1,624 |
| Total domestic deposits to total assets | 84.6761% | 2,807 |
| Equity capital to assets | 8.5508% | 4,908 |
| Core capital (leverage) ratio | 9.1217% | 4,556 |
| Tier 1 risk-based capital ratio | 10.8827% | 5,116 |
| Total risk-based capital ratio | 11.7336% | 5,176 |
| Memoranda: | ||
| Average total assets | $946,241,670 | 804 |
| Average earning assets | $884,196,000 | 796 |
| Average equity | $82,995,330 | 998 |
| Average total loans | $746,813,000 | 739 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 2,018 |
| Cost of funding earning assets | 0.6449% | 1,750 |
| Net interest margin | 3.8060% | 2,404 |
| Noninterest income to average assets | 0.6391% | 2,078 |
| Noninterest expense to average assets | 2.6060% | 3,321 |
| Loan and lease loss provision to assets | 0.1633% | 1,103 |
| Net operating income to assets | 1.1703% | 2,134 |
| Return on assets (ROA) | 1.1467% | 2,245 |
| Pretax return on assets | 1.4023% | 1,990 |
| Return on Equity (ROE) | 12.8975% | 1,299 |
| Retained earnings to average equity (ytd only) | 8.7893% | 1,542 |
| Net charge-offs to loans | -0.0270% | 4,694 |
| Credit loss provision to net charge-offs | -765.3061% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0439% | 3,771 |
| Assets per employee ($millions) | 4.7817% | 2,754 |
| Cash dividends to net income (ytd only)* | 31.8527% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 4,459 |
| Loan loss allowance to noncurrent loans | 96.3344% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.7364% | 2,102 |
| Noncurrent loans to loans | 0.9327% | 1,954 |
| Net loans and leases to total assets | 78.2446% | 1,205 |
| Net loans and leases to deposits | 89.7237% | 1,724 |
| Net loans and leases to core deposits | 96.7538% | 1,918 |
| Total domestic deposits to total assets | 87.2061% | 2,041 |
| Equity capital to assets | 8.7032% | 4,824 |
| Core capital (leverage) ratio | 9.1364% | 4,525 |
| Tier 1 risk-based capital ratio | 11.0386% | 5,113 |
| Total risk-based capital ratio | 11.9134% | 5,194 |
| Memoranda: | ||
| Average total assets | $918,790,500 | 840 |
| Average earning assets | $859,694,000 | 828 |
| Average equity | $81,690,000 | 1,017 |
| Average total loans | $724,868,000 | 759 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4729% | 1,806 |
| Cost of funding earning assets | 0.5872% | 1,694 |
| Net interest margin | 3.8857% | 2,133 |
| Noninterest income to average assets | 0.5957% | 2,467 |
| Noninterest expense to average assets | 2.5324% | 3,670 |
| Loan and lease loss provision to assets | 0.1295% | 1,770 |
| Net operating income to assets | 1.0825% | 1,924 |
| Return on assets (ROA) | 1.0830% | 1,944 |
| Pretax return on assets | 1.5920% | 1,313 |
| Return on Equity (ROE) | 11.6658% | 1,299 |
| Retained earnings to average equity (ytd only) | 7.8116% | 824 |
| Net charge-offs to loans | 0.0854% | 2,241 |
| Credit loss provision to net charge-offs | 192.4429% | 1,413 |
| Earnings coverage of net charge-offs (x) | 25.5677% | 1,707 |
| Efficiency ratio | 59.5417% | 4,329 |
| Assets per employee ($millions) | 5.1745% | 2,281 |
| Cash dividends to net income (ytd only)* | 33.0384% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8770% | 4,569 |
| Loan loss allowance to noncurrent loans | 336.4865% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 4,087 |
| Noncurrent loans to loans | 0.2606% | 3,854 |
| Net loans and leases to total assets | 78.1396% | 1,273 |
| Net loans and leases to deposits | 90.1704% | 1,756 |
| Net loans and leases to core deposits | 97.2705% | 1,916 |
| Total domestic deposits to total assets | 86.6576% | 2,167 |
| Equity capital to assets | 9.0865% | 4,633 |
| Core capital (leverage) ratio | 9.1261% | 4,492 |
| Tier 1 risk-based capital ratio | 11.3149% | 4,970 |
| Total risk-based capital ratio | 12.1736% | 5,072 |
| Memoranda: | ||
| Average total assets | $845,441,000 | 881 |
| Average earning assets | $795,785,400 | 865 |
| Average equity | $78,485,800 | 1,026 |
| Average total loans | $666,484,800 | 782 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 1,894 |
| Cost of funding earning assets | 0.5741% | 1,716 |
| Net interest margin | 3.8466% | 2,234 |
| Noninterest income to average assets | 0.6055% | 2,446 |
| Noninterest expense to average assets | 2.5334% | 3,617 |
| Loan and lease loss provision to assets | 0.1347% | 1,610 |
| Net operating income to assets | 1.1316% | 1,947 |
| Return on assets (ROA) | 1.1323% | 2,006 |
| Pretax return on assets | 1.5654% | 1,529 |
| Return on Equity (ROE) | 12.1270% | 1,305 |
| Retained earnings to average equity (ytd only) | 8.2397% | 1,115 |
| Net charge-offs to loans | 0.0309% | 2,811 |
| Credit loss provision to net charge-offs | 552.6316% | 572 |
| Earnings coverage of net charge-offs (x) | 69.7308% | 897 |
| Efficiency ratio | 59.8553% | 4,248 |
| Assets per employee ($millions) | 4.9685% | 2,493 |
| Cash dividends to net income (ytd only)* | 32.0543% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 4,433 |
| Loan loss allowance to noncurrent loans | 161.3441% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 3,244 |
| Noncurrent loans to loans | 0.5755% | 2,968 |
| Net loans and leases to total assets | 77.0404% | 1,415 |
| Net loans and leases to deposits | 88.7055% | 1,967 |
| Net loans and leases to core deposits | 95.4199% | 2,132 |
| Total domestic deposits to total assets | 86.8496% | 1,932 |
| Equity capital to assets | 9.1336% | 4,795 |
| Core capital (leverage) ratio | 9.3632% | 4,333 |
| Tier 1 risk-based capital ratio | 11.4414% | 4,992 |
| Total risk-based capital ratio | 12.3477% | 5,086 |
| Memoranda: | ||
| Average total assets | $831,709,750 | 898 |
| Average earning assets | $784,214,250 | 878 |
| Average equity | $77,654,250 | 1,044 |
| Average total loans | $655,664,250 | 796 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 1,953 |
| Cost of funding earning assets | 0.5577% | 1,727 |
| Net interest margin | 3.7995% | 2,288 |
| Noninterest income to average assets | 0.5687% | 2,612 |
| Noninterest expense to average assets | 2.5701% | 3,526 |
| Loan and lease loss provision to assets | 0.1437% | 1,419 |
| Net operating income to assets | 1.0371% | 2,263 |
| Return on assets (ROA) | 1.0381% | 2,300 |
| Pretax return on assets | 1.4432% | 1,848 |
| Return on Equity (ROE) | 11.0321% | 1,629 |
| Retained earnings to average equity (ytd only) | 7.1085% | 1,542 |
| Net charge-offs to loans | 0.0143% | 2,963 |
| Credit loss provision to net charge-offs | 1,271.7391% | 320 |
| Earnings coverage of net charge-offs (x) | 140.3043% | 526 |
| Efficiency ratio | 61.8468% | 4,016 |
| Assets per employee ($millions) | 4.5397% | 3,041 |
| Cash dividends to net income (ytd only)* | 35.5655% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 4,504 |
| Loan loss allowance to noncurrent loans | 197.0932% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 3,616 |
| Noncurrent loans to loans | 0.4726% | 3,328 |
| Net loans and leases to total assets | 78.5706% | 1,154 |
| Net loans and leases to deposits | 92.2302% | 1,462 |
| Net loans and leases to core deposits | 101.8960% | 1,516 |
| Total domestic deposits to total assets | 85.1896% | 2,736 |
| Equity capital to assets | 9.3283% | 4,588 |
| Core capital (leverage) ratio | 9.4496% | 4,183 |
| Tier 1 risk-based capital ratio | 11.3913% | 5,024 |
| Total risk-based capital ratio | 12.2966% | 5,124 |
| Memoranda: | ||
| Average total assets | $814,146,330 | 928 |
| Average earning assets | $768,577,670 | 905 |
| Average equity | $76,613,000 | 1,063 |
| Average total loans | $644,975,330 | 817 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 2,026 |
| Cost of funding earning assets | 0.5344% | 1,831 |
| Net interest margin | 3.7420% | 2,341 |
| Noninterest income to average assets | 0.5066% | 2,933 |
| Noninterest expense to average assets | 2.5656% | 3,605 |
| Loan and lease loss provision to assets | 0.1652% | 1,087 |
| Net operating income to assets | 0.9595% | 2,481 |
| Return on assets (ROA) | 0.9617% | 2,528 |
| Pretax return on assets | 1.3226% | 2,159 |
| Return on Equity (ROE) | 10.1726% | 1,888 |
| Retained earnings to average equity (ytd only) | 6.1957% | 2,237 |
| Net charge-offs to loans | 0.0133% | 2,537 |
| Credit loss provision to net charge-offs | 1,571.4286% | 208 |
| Earnings coverage of net charge-offs (x) | 141.2381% | 387 |
| Efficiency ratio | 63.3420% | 3,935 |
| Assets per employee ($millions) | 4.4419% | 3,269 |
| Cash dividends to net income (ytd only)* | 39.0942% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 4,613 |
| Loan loss allowance to noncurrent loans | 153.8796% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 3,125 |
| Noncurrent loans to loans | 0.6085% | 3,001 |
| Net loans and leases to total assets | 77.7768% | 1,164 |
| Net loans and leases to deposits | 89.8969% | 1,548 |
| Net loans and leases to core deposits | 97.5749% | 1,695 |
| Total domestic deposits to total assets | 86.5178% | 2,430 |
| Equity capital to assets | 9.3109% | 4,500 |
| Core capital (leverage) ratio | 9.6409% | 3,941 |
| Tier 1 risk-based capital ratio | 11.8754% | 4,792 |
| Total risk-based capital ratio | 12.8032% | 4,899 |
| Memoranda: | ||
| Average total assets | $799,027,000 | 946 |
| Average earning assets | $756,717,500 | 921 |
| Average equity | $75,536,000 | 1,071 |
| Average total loans | $632,625,000 | 833 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 2,001 |
| Cost of funding earning assets | 0.5264% | 1,892 |
| Net interest margin | 3.8167% | 2,256 |
| Noninterest income to average assets | 0.4829% | 3,335 |
| Noninterest expense to average assets | 2.5310% | 3,915 |
| Loan and lease loss provision to assets | 0.0844% | 2,671 |
| Net operating income to assets | 1.0666% | 2,053 |
| Return on assets (ROA) | 1.0853% | 2,060 |
| Pretax return on assets | 1.5176% | 1,536 |
| Return on Equity (ROE) | 11.2745% | 1,480 |
| Retained earnings to average equity (ytd only) | 7.5979% | 999 |
| Net charge-offs to loans | 0.1132% | 2,131 |
| Credit loss provision to net charge-offs | 97.4320% | 2,653 |
| Earnings coverage of net charge-offs (x) | 18.2039% | 1,983 |
| Efficiency ratio | 61.6247% | 4,326 |
| Assets per employee ($millions) | 4.3862% | 3,300 |
| Cash dividends to net income (ytd only)* | 32.6103% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 4,732 |
| Loan loss allowance to noncurrent loans | 135.2076% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 2,957 |
| Noncurrent loans to loans | 0.6760% | 2,838 |
| Net loans and leases to total assets | 79.1379% | 1,020 |
| Net loans and leases to deposits | 92.5519% | 1,365 |
| Net loans and leases to core deposits | 99.4242% | 1,672 |
| Total domestic deposits to total assets | 85.5064% | 2,828 |
| Equity capital to assets | 9.6028% | 4,164 |
| Core capital (leverage) ratio | 9.6612% | 3,899 |
| Tier 1 risk-based capital ratio | 12.0280% | 4,713 |
| Total risk-based capital ratio | 12.9334% | 4,839 |
| Memoranda: | ||
| Average total assets | $764,608,600 | 943 |
| Average earning assets | $726,053,400 | 913 |
| Average equity | $73,599,400 | 1,076 |
| Average total loans | $584,807,200 | 849 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 2,174 |
| Cost of funding earning assets | 0.5225% | 1,924 |
| Net interest margin | 3.7735% | 2,437 |
| Noninterest income to average assets | 0.4791% | 3,383 |
| Noninterest expense to average assets | 2.5256% | 3,905 |
| Loan and lease loss provision to assets | 0.0894% | 2,437 |
| Net operating income to assets | 1.0366% | 2,260 |
| Return on assets (ROA) | 1.0616% | 2,268 |
| Pretax return on assets | 1.4830% | 1,763 |
| Return on Equity (ROE) | 11.0223% | 1,659 |
| Retained earnings to average equity (ytd only) | 7.3457% | 1,461 |
| Net charge-offs to loans | 0.0832% | 2,135 |
| Credit loss provision to net charge-offs | 142.0613% | 1,843 |
| Earnings coverage of net charge-offs (x) | 24.4348% | 1,673 |
| Efficiency ratio | 62.1554% | 4,200 |
| Assets per employee ($millions) | 4.6212% | 2,887 |
| Cash dividends to net income (ytd only)* | 33.3554% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 4,581 |
| Loan loss allowance to noncurrent loans | 122.7102% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 2,941 |
| Noncurrent loans to loans | 0.7875% | 2,710 |
| Net loans and leases to total assets | 76.1045% | 1,510 |
| Net loans and leases to deposits | 89.7008% | 1,796 |
| Net loans and leases to core deposits | 95.4282% | 2,058 |
| Total domestic deposits to total assets | 84.8426% | 2,876 |
| Equity capital to assets | 9.5606% | 4,600 |
| Core capital (leverage) ratio | 9.5176% | 4,153 |
| Tier 1 risk-based capital ratio | 12.2189% | 4,661 |
| Total risk-based capital ratio | 13.1863% | 4,723 |
| Memoranda: | ||
| Average total assets | $760,575,750 | 946 |
| Average earning assets | $722,429,000 | 921 |
| Average equity | $73,256,000 | 1,087 |
| Average total loans | $575,119,000 | 860 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 2,192 |
| Cost of funding earning assets | 0.5150% | 1,981 |
| Net interest margin | 3.7712% | 2,438 |
| Noninterest income to average assets | 0.4641% | 3,435 |
| Noninterest expense to average assets | 2.5281% | 3,961 |
| Loan and lease loss provision to assets | 0.0999% | 2,169 |
| Net operating income to assets | 1.0154% | 2,323 |
| Return on assets (ROA) | 1.0529% | 2,282 |
| Pretax return on assets | 1.4728% | 1,761 |
| Return on Equity (ROE) | 10.9034% | 1,683 |
| Retained earnings to average equity (ytd only) | 7.2230% | 1,500 |
| Net charge-offs to loans | 0.0379% | 2,703 |
| Credit loss provision to net charge-offs | 350.4673% | 853 |
| Earnings coverage of net charge-offs (x) | 53.3178% | 957 |
| Efficiency ratio | 62.4523% | 4,275 |
| Assets per employee ($millions) | 4.4616% | 3,099 |
| Cash dividends to net income (ytd only)* | 33.7551% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 4,373 |
| Loan loss allowance to noncurrent loans | 104.5423% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.7503% | 2,727 |
| Noncurrent loans to loans | 0.9812% | 2,318 |
| Net loans and leases to total assets | 75.6759% | 1,541 |
| Net loans and leases to deposits | 89.5660% | 1,804 |
| Net loans and leases to core deposits | 97.9401% | 1,812 |
| Total domestic deposits to total assets | 84.4918% | 3,095 |
| Equity capital to assets | 9.7536% | 4,508 |
| Core capital (leverage) ratio | 9.6625% | 3,980 |
| Tier 1 risk-based capital ratio | 12.5381% | 4,488 |
| Total risk-based capital ratio | 13.5707% | 4,554 |
| Memoranda: | ||
| Average total assets | $750,691,330 | 960 |
| Average earning assets | $713,405,670 | 935 |
| Average equity | $72,491,000 | 1,101 |
| Average total loans | $564,402,670 | 876 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3043% | 2,120 |
| Cost of funding earning assets | 0.5073% | 2,046 |
| Net interest margin | 3.7970% | 2,295 |
| Noninterest income to average assets | 0.4540% | 3,456 |
| Noninterest expense to average assets | 2.5615% | 3,878 |
| Loan and lease loss provision to assets | 0.1289% | 1,648 |
| Net operating income to assets | 0.9780% | 2,379 |
| Return on assets (ROA) | 1.0025% | 2,386 |
| Pretax return on assets | 1.4048% | 1,893 |
| Return on Equity (ROE) | 10.4348% | 1,803 |
| Retained earnings to average equity (ytd only) | 6.9733% | 1,899 |
| Net charge-offs to loans | 0.0368% | 2,249 |
| Credit loss provision to net charge-offs | 470.5882% | 636 |
| Earnings coverage of net charge-offs (x) | 54.7255% | 827 |
| Efficiency ratio | 63.0771% | 4,289 |
| Assets per employee ($millions) | 4.5495% | 2,984 |
| Cash dividends to net income (ytd only)* | 33.1726% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 4,340 |
| Loan loss allowance to noncurrent loans | 96.3610% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.8066% | 2,675 |
| Noncurrent loans to loans | 1.0881% | 2,218 |
| Net loans and leases to total assets | 73.3502% | 1,824 |
| Net loans and leases to deposits | 86.0236% | 2,060 |
| Net loans and leases to core deposits | 93.5236% | 2,046 |
| Total domestic deposits to total assets | 85.2675% | 3,011 |
| Equity capital to assets | 9.5165% | 4,655 |
| Core capital (leverage) ratio | 9.7239% | 3,883 |
| Tier 1 risk-based capital ratio | 12.8240% | 4,379 |
| Total risk-based capital ratio | 13.8868% | 4,406 |
| Memoranda: | ||
| Average total assets | $744,572,000 | 969 |
| Average earning assets | $707,299,000 | 942 |
| Average equity | $71,530,000 | 1,104 |
| Average total loans | $554,935,000 | 887 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 2,030 |
| Cost of funding earning assets | 0.5007% | 2,148 |
| Net interest margin | 3.8573% | 2,172 |
| Noninterest income to average assets | 0.6143% | 2,645 |
| Noninterest expense to average assets | 2.5198% | 4,164 |
| Loan and lease loss provision to assets | 0.1106% | 2,148 |
| Net operating income to assets | 1.2067% | 1,523 |
| Return on assets (ROA) | 1.2086% | 1,587 |
| Pretax return on assets | 1.6521% | 1,106 |
| Return on Equity (ROE) | 13.2060% | 1,010 |
| Retained earnings to average equity (ytd only) | 9.4976% | 536 |
| Net charge-offs to loans | 0.0748% | 2,758 |
| Credit loss provision to net charge-offs | 192.4051% | 1,436 |
| Earnings coverage of net charge-offs (x) | 30.6304% | 1,437 |
| Efficiency ratio | 58.8763% | 5,040 |
| Assets per employee ($millions) | 4.5586% | 2,949 |
| Cash dividends to net income (ytd only)* | 28.0814% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 4,344 |
| Loan loss allowance to noncurrent loans | 109.0840% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.7184% | 2,901 |
| Noncurrent loans to loans | 0.9585% | 2,411 |
| Net loans and leases to total assets | 74.1672% | 1,700 |
| Net loans and leases to deposits | 86.5158% | 2,059 |
| Net loans and leases to core deposits | 95.2718% | 1,916 |
| Total domestic deposits to total assets | 85.7268% | 2,765 |
| Equity capital to assets | 9.7010% | 4,304 |
| Core capital (leverage) ratio | 9.8345% | 3,728 |
| Tier 1 risk-based capital ratio | 12.7554% | 4,474 |
| Total risk-based capital ratio | 13.7991% | 4,498 |
| Memoranda: | ||
| Average total assets | $687,425,800 | 1,004 |
| Average earning assets | $653,249,200 | 977 |
| Average equity | $62,910,600 | 1,200 |
| Average total loans | $527,755,600 | 887 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 2,039 |
| Cost of funding earning assets | 0.5002% | 2,205 |
| Net interest margin | 3.8622% | 2,152 |
| Noninterest income to average assets | 0.4891% | 3,446 |
| Noninterest expense to average assets | 2.5315% | 4,100 |
| Loan and lease loss provision to assets | 0.1261% | 1,798 |
| Net operating income to assets | 1.0657% | 2,147 |
| Return on assets (ROA) | 1.0681% | 2,231 |
| Pretax return on assets | 1.5071% | 1,669 |
| Return on Equity (ROE) | 11.8632% | 1,410 |
| Retained earnings to average equity (ytd only) | 8.1137% | 1,204 |
| Net charge-offs to loans | 0.0872% | 2,299 |
| Credit loss provision to net charge-offs | 187.1345% | 1,415 |
| Earnings coverage of net charge-offs (x) | 24.1958% | 1,703 |
| Efficiency ratio | 60.8340% | 4,769 |
| Assets per employee ($millions) | 4.5180% | 2,977 |
| Cash dividends to net income (ytd only)* | 31.6062% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 4,442 |
| Loan loss allowance to noncurrent loans | 137.2359% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 3,520 |
| Noncurrent loans to loans | 0.7690% | 3,043 |
| Net loans and leases to total assets | 75.6443% | 1,440 |
| Net loans and leases to deposits | 86.8482% | 2,048 |
| Net loans and leases to core deposits | 96.0131% | 1,877 |
| Total domestic deposits to total assets | 87.0995% | 1,980 |
| Equity capital to assets | 8.9811% | 5,321 |
| Core capital (leverage) ratio | 8.9593% | 5,040 |
| Tier 1 risk-based capital ratio | 11.7775% | 5,222 |
| Total risk-based capital ratio | 12.8477% | 5,250 |
| Memoranda: | ||
| Average total assets | $676,938,250 | 1,023 |
| Average earning assets | $643,664,250 | 992 |
| Average equity | $60,949,000 | 1,248 |
| Average total loans | $523,026,000 | 898 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3671% | 1,956 |
| Cost of funding earning assets | 0.4916% | 2,332 |
| Net interest margin | 3.8755% | 2,058 |
| Noninterest income to average assets | 0.4579% | 3,645 |
| Noninterest expense to average assets | 2.5623% | 4,030 |
| Loan and lease loss provision to assets | 0.1435% | 1,519 |
| Net operating income to assets | 1.0258% | 2,259 |
| Return on assets (ROA) | 1.0294% | 2,349 |
| Pretax return on assets | 1.4469% | 1,810 |
| Return on Equity (ROE) | 11.4228% | 1,550 |
| Retained earnings to average equity (ytd only) | 7.6649% | 1,401 |
| Net charge-offs to loans | 0.1280% | 1,734 |
| Credit loss provision to net charge-offs | 144.5783% | 1,568 |
| Earnings coverage of net charge-offs (x) | 15.9759% | 1,935 |
| Efficiency ratio | 61.7785% | 4,707 |
| Assets per employee ($millions) | 4.2729% | 3,348 |
| Cash dividends to net income (ytd only)* | 32.8978% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 4,693 |
| Loan loss allowance to noncurrent loans | 159.8721% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 3,875 |
| Noncurrent loans to loans | 0.6466% | 3,539 |
| Net loans and leases to total assets | 76.9940% | 1,218 |
| Net loans and leases to deposits | 88.7279% | 1,751 |
| Net loans and leases to core deposits | 97.5278% | 1,686 |
| Total domestic deposits to total assets | 86.7755% | 2,283 |
| Equity capital to assets | 8.9075% | 5,332 |
| Core capital (leverage) ratio | 8.9253% | 5,058 |
| Tier 1 risk-based capital ratio | 11.6140% | 5,400 |
| Total risk-based capital ratio | 12.6652% | 5,446 |
| Memoranda: | ||
| Average total assets | $669,152,330 | 1,039 |
| Average earning assets | $637,087,000 | 1,002 |
| Average equity | $60,300,670 | 1,272 |
| Average total loans | $518,906,670 | 912 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 2,152 |
| Cost of funding earning assets | 0.4790% | 2,460 |
| Net interest margin | 3.8046% | 2,216 |
| Noninterest income to average assets | 0.4472% | 3,649 |
| Noninterest expense to average assets | 2.5968% | 3,940 |
| Loan and lease loss provision to assets | 0.1450% | 1,404 |
| Net operating income to assets | 0.9538% | 2,483 |
| Return on assets (ROA) | 0.9572% | 2,598 |
| Pretax return on assets | 1.3440% | 2,103 |
| Return on Equity (ROE) | 10.5596% | 1,780 |
| Retained earnings to average equity (ytd only) | 6.8797% | 2,064 |
| Net charge-offs to loans | 0.2498% | 959 |
| Credit loss provision to net charge-offs | 75.0000% | 1,875 |
| Earnings coverage of net charge-offs (x) | 7.6750% | 2,149 |
| Efficiency ratio | 63.6310% | 4,533 |
| Assets per employee ($millions) | 4.4097% | 3,190 |
| Cash dividends to net income (ytd only)* | 34.8485% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 4,957 |
| Loan loss allowance to noncurrent loans | 185.7949% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 4,284 |
| Noncurrent loans to loans | 0.5446% | 3,950 |
| Net loans and leases to total assets | 76.4263% | 1,150 |
| Net loans and leases to deposits | 87.7077% | 1,647 |
| Net loans and leases to core deposits | 95.8356% | 1,630 |
| Total domestic deposits to total assets | 87.1375% | 2,300 |
| Equity capital to assets | 8.9827% | 5,315 |
| Core capital (leverage) ratio | 9.0823% | 4,863 |
| Tier 1 risk-based capital ratio | 11.8649% | 5,329 |
| Total risk-based capital ratio | 12.9168% | 5,362 |
| Memoranda: | ||
| Average total assets | $661,897,500 | 1,050 |
| Average earning assets | $632,175,000 | 1,014 |
| Average equity | $60,002,500 | 1,277 |
| Average total loans | $512,421,500 | 919 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4054% | 2,202 |
| Cost of funding earning assets | 0.4870% | 2,812 |
| Net interest margin | 3.9185% | 2,164 |
| Noninterest income to average assets | 0.5234% | 3,336 |
| Noninterest expense to average assets | 2.6829% | 3,929 |
| Loan and lease loss provision to assets | 0.2038% | 1,237 |
| Net operating income to assets | 0.9891% | 2,436 |
| Return on assets (ROA) | 1.0054% | 2,439 |
| Pretax return on assets | 1.3857% | 1,928 |
| Return on Equity (ROE) | 11.0063% | 1,721 |
| Retained earnings to average equity (ytd only) | 7.0916% | 1,360 |
| Net charge-offs to loans | 0.1255% | 2,775 |
| Credit loss provision to net charge-offs | 216.3793% | 1,148 |
| Earnings coverage of net charge-offs (x) | 16.6397% | 1,998 |
| Efficiency ratio | 63.1247% | 4,736 |
| Assets per employee ($millions) | 4.3564% | 3,259 |
| Cash dividends to net income (ytd only)* | 35.5678% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 4,757 |
| Loan loss allowance to noncurrent loans | 103.1220% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 3,164 |
| Noncurrent loans to loans | 1.0297% | 2,768 |
| Net loans and leases to total assets | 76.8104% | 1,157 |
| Net loans and leases to deposits | 89.3666% | 1,577 |
| Net loans and leases to core deposits | 96.3462% | 1,687 |
| Total domestic deposits to total assets | 85.9499% | 2,870 |
| Equity capital to assets | 9.1510% | 5,126 |
| Core capital (leverage) ratio | 8.9727% | 5,038 |
| Tier 1 risk-based capital ratio | 12.5245% | 5,027 |
| Total risk-based capital ratio | 13.6720% | 4,998 |
| Memoranda: | ||
| Average total assets | $615,785,200 | 1,078 |
| Average earning assets | $585,662,800 | 1,045 |
| Average equity | $56,249,600 | 1,298 |
| Average total loans | $462,293,200 | 959 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3784% | 2,297 |
| Cost of funding earning assets | 0.4814% | 2,946 |
| Net interest margin | 3.8970% | 2,256 |
| Noninterest income to average assets | 0.5224% | 3,392 |
| Noninterest expense to average assets | 2.6686% | 3,948 |
| Loan and lease loss provision to assets | 0.2261% | 996 |
| Net operating income to assets | 0.9676% | 2,606 |
| Return on assets (ROA) | 0.9892% | 2,566 |
| Pretax return on assets | 1.3646% | 2,142 |
| Return on Equity (ROE) | 10.8348% | 1,859 |
| Retained earnings to average equity (ytd only) | 6.8658% | 1,895 |
| Net charge-offs to loans | 0.1012% | 2,788 |
| Credit loss provision to net charge-offs | 300.2915% | 904 |
| Earnings coverage of net charge-offs (x) | 20.7289% | 1,711 |
| Efficiency ratio | 63.0994% | 4,701 |
| Assets per employee ($millions) | 4.2646% | 3,351 |
| Cash dividends to net income (ytd only)* | 36.6320% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 4,714 |
| Loan loss allowance to noncurrent loans | 100.2617% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 3,136 |
| Noncurrent loans to loans | 1.1036% | 2,860 |
| Net loans and leases to total assets | 75.4335% | 1,301 |
| Net loans and leases to deposits | 88.0254% | 1,669 |
| Net loans and leases to core deposits | 96.6566% | 1,619 |
| Total domestic deposits to total assets | 85.6952% | 3,019 |
| Equity capital to assets | 9.0968% | 5,255 |
| Core capital (leverage) ratio | 9.1556% | 4,844 |
| Tier 1 risk-based capital ratio | 12.8070% | 4,971 |
| Total risk-based capital ratio | 14.0067% | 4,913 |
| Memoranda: | ||
| Average total assets | $607,453,750 | 1,101 |
| Average earning assets | $577,792,500 | 1,062 |
| Average equity | $55,462,000 | 1,319 |
| Average total loans | $451,882,500 | 980 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 2,284 |
| Cost of funding earning assets | 0.4813% | 3,011 |
| Net interest margin | 3.8916% | 2,207 |
| Noninterest income to average assets | 0.5280% | 3,282 |
| Noninterest expense to average assets | 2.7051% | 3,842 |
| Loan and lease loss provision to assets | 0.2525% | 861 |
| Net operating income to assets | 0.9242% | 2,683 |
| Return on assets (ROA) | 0.9577% | 2,610 |
| Pretax return on assets | 1.3121% | 2,210 |
| Return on Equity (ROE) | 10.4752% | 1,949 |
| Retained earnings to average equity (ytd only) | 6.4483% | 2,063 |
| Net charge-offs to loans | 0.1184% | 2,482 |
| Credit loss provision to net charge-offs | 289.2720% | 885 |
| Earnings coverage of net charge-offs (x) | 17.4023% | 1,736 |
| Efficiency ratio | 64.0437% | 4,681 |
| Assets per employee ($millions) | 4.1815% | 3,493 |
| Cash dividends to net income (ytd only)* | 38.4427% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 4,809 |
| Loan loss allowance to noncurrent loans | 92.5694% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.0342% | 3,001 |
| Noncurrent loans to loans | 1.2116% | 2,809 |
| Net loans and leases to total assets | 74.1527% | 1,423 |
| Net loans and leases to deposits | 86.1677% | 1,805 |
| Net loans and leases to core deposits | 93.5558% | 1,811 |
| Total domestic deposits to total assets | 86.0563% | 3,012 |
| Equity capital to assets | 9.1801% | 5,129 |
| Core capital (leverage) ratio | 9.2397% | 4,684 |
| Tier 1 risk-based capital ratio | 13.0088% | 4,905 |
| Total risk-based capital ratio | 14.2069% | 4,879 |
| Memoranda: | ||
| Average total assets | $598,128,000 | 1,114 |
| Average earning assets | $568,046,670 | 1,078 |
| Average equity | $54,681,330 | 1,327 |
| Average total loans | $440,946,330 | 1,002 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3522% | 2,318 |
| Cost of funding earning assets | 0.4852% | 3,060 |
| Net interest margin | 3.8671% | 2,207 |
| Noninterest income to average assets | 0.4950% | 3,449 |
| Noninterest expense to average assets | 2.7444% | 3,781 |
| Loan and lease loss provision to assets | 0.2746% | 752 |
| Net operating income to assets | 0.8524% | 2,885 |
| Return on assets (ROA) | 0.8524% | 2,957 |
| Pretax return on assets | 1.1461% | 2,714 |
| Return on Equity (ROE) | 9.3443% | 2,313 |
| Retained earnings to average equity (ytd only) | 5.2557% | 2,956 |
| Net charge-offs to loans | -0.0176% | 5,298 |
| Credit loss provision to net charge-offs | -2,131.5789% | 5,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8906% | 4,547 |
| Assets per employee ($millions) | 4.3479% | 3,254 |
| Cash dividends to net income (ytd only)* | 43.7550% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 4,756 |
| Loan loss allowance to noncurrent loans | 96.0090% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.0597% | 3,136 |
| Noncurrent loans to loans | 1.2229% | 3,003 |
| Net loans and leases to total assets | 71.5450% | 1,645 |
| Net loans and leases to deposits | 83.5994% | 1,862 |
| Net loans and leases to core deposits | 89.4728% | 1,962 |
| Total domestic deposits to total assets | 85.5809% | 3,569 |
| Equity capital to assets | 9.1142% | 4,985 |
| Core capital (leverage) ratio | 9.3663% | 4,484 |
| Tier 1 risk-based capital ratio | 13.3720% | 4,783 |
| Total risk-based capital ratio | 14.6107% | 4,725 |
| Memoranda: | ||
| Average total assets | $589,852,000 | 1,134 |
| Average earning assets | $559,805,500 | 1,099 |
| Average equity | $53,808,000 | 1,346 |
| Average total loans | $430,933,500 | 1,025 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 2,092 |
| Cost of funding earning assets | 0.5535% | 3,084 |
| Net interest margin | 3.9776% | 2,013 |
| Noninterest income to average assets | 0.5067% | 3,712 |
| Noninterest expense to average assets | 2.7893% | 3,762 |
| Loan and lease loss provision to assets | 0.3422% | 933 |
| Net operating income to assets | 0.8543% | 3,008 |
| Return on assets (ROA) | 0.9438% | 2,664 |
| Pretax return on assets | 1.2537% | 2,344 |
| Return on Equity (ROE) | 10.1776% | 2,041 |
| Retained earnings to average equity (ytd only) | 6.4055% | 1,736 |
| Net charge-offs to loans | 0.6597% | 984 |
| Credit loss provision to net charge-offs | 72.4265% | 3,241 |
| Earnings coverage of net charge-offs (x) | 3.1254% | 3,949 |
| Efficiency ratio | 65.3868% | 4,675 |
| Assets per employee ($millions) | 4.2314% | 3,396 |
| Cash dividends to net income (ytd only)* | 37.0629% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 5,185 |
| Loan loss allowance to noncurrent loans | 79.6186% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.2919% | 2,841 |
| Noncurrent loans to loans | 1.3738% | 2,841 |
| Net loans and leases to total assets | 72.9374% | 1,530 |
| Net loans and leases to deposits | 85.8353% | 1,707 |
| Net loans and leases to core deposits | 92.2039% | 1,781 |
| Total domestic deposits to total assets | 84.9737% | 3,762 |
| Equity capital to assets | 9.1306% | 4,888 |
| Core capital (leverage) ratio | 9.3447% | 4,484 |
| Tier 1 risk-based capital ratio | 13.3329% | 4,762 |
| Total risk-based capital ratio | 14.4805% | 4,773 |
| Memoranda: | ||
| Average total assets | $575,731,200 | 1,154 |
| Average earning assets | $544,127,600 | 1,110 |
| Average equity | $53,391,800 | 1,329 |
| Average total loans | $412,289,400 | 1,029 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4845% | 2,292 |
| Cost of funding earning assets | 0.5657% | 3,115 |
| Net interest margin | 3.9188% | 2,200 |
| Noninterest income to average assets | 0.4969% | 3,828 |
| Noninterest expense to average assets | 2.7488% | 3,835 |
| Loan and lease loss provision to assets | 0.3631% | 874 |
| Net operating income to assets | 0.8105% | 3,293 |
| Return on assets (ROA) | 0.9307% | 2,792 |
| Pretax return on assets | 1.2448% | 2,530 |
| Return on Equity (ROE) | 9.9971% | 2,182 |
| Retained earnings to average equity (ytd only) | 6.2819% | 2,243 |
| Net charge-offs to loans | 0.5330% | 1,199 |
| Credit loss provision to net charge-offs | 95.8359% | 2,489 |
| Earnings coverage of net charge-offs (x) | 3.8212% | 3,603 |
| Efficiency ratio | 65.5039% | 4,575 |
| Assets per employee ($millions) | 4.1942% | 3,435 |
| Cash dividends to net income (ytd only)* | 37.1635% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,608 |
| Loan loss allowance to noncurrent loans | 68.5652% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.8702% | 2,174 |
| Noncurrent loans to loans | 1.8329% | 2,459 |
| Net loans and leases to total assets | 72.1992% | 1,571 |
| Net loans and leases to deposits | 83.9737% | 1,879 |
| Net loans and leases to core deposits | 89.1249% | 2,062 |
| Total domestic deposits to total assets | 85.9783% | 3,260 |
| Equity capital to assets | 9.0000% | 5,191 |
| Core capital (leverage) ratio | 9.3235% | 4,663 |
| Tier 1 risk-based capital ratio | 13.1501% | 5,015 |
| Total risk-based capital ratio | 14.4008% | 4,966 |
| Memoranda: | ||
| Average total assets | $574,740,000 | 1,168 |
| Average earning assets | $542,565,250 | 1,125 |
| Average equity | $53,507,250 | 1,339 |
| Average total loans | $408,489,000 | 1,045 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 2,283 |
| Cost of funding earning assets | 0.5783% | 3,142 |
| Net interest margin | 3.8982% | 2,214 |
| Noninterest income to average assets | 0.4339% | 4,289 |
| Noninterest expense to average assets | 2.7808% | 3,740 |
| Loan and lease loss provision to assets | 0.3881% | 818 |
| Net operating income to assets | 0.7112% | 3,748 |
| Return on assets (ROA) | 0.8906% | 2,992 |
| Pretax return on assets | 1.1808% | 2,758 |
| Return on Equity (ROE) | 9.4591% | 2,433 |
| Retained earnings to average equity (ytd only) | 5.7676% | 2,575 |
| Net charge-offs to loans | 0.3950% | 1,634 |
| Credit loss provision to net charge-offs | 139.6226% | 1,624 |
| Earnings coverage of net charge-offs (x) | 4.7836% | 3,036 |
| Efficiency ratio | 67.6506% | 4,242 |
| Assets per employee ($millions) | 4.2570% | 3,239 |
| Cash dividends to net income (ytd only)* | 39.0263% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 3,959 |
| Loan loss allowance to noncurrent loans | 56.2457% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 2.2795% | 1,900 |
| Noncurrent loans to loans | 2.5186% | 1,838 |
| Net loans and leases to total assets | 70.5643% | 1,791 |
| Net loans and leases to deposits | 83.5553% | 1,861 |
| Net loans and leases to core deposits | 89.1293% | 1,993 |
| Total domestic deposits to total assets | 84.4522% | 4,146 |
| Equity capital to assets | 9.2737% | 4,898 |
| Core capital (leverage) ratio | 9.2131% | 4,678 |
| Tier 1 risk-based capital ratio | 13.1743% | 5,014 |
| Total risk-based capital ratio | 14.4289% | 4,951 |
| Memoranda: | ||
| Average total assets | $571,987,670 | 1,175 |
| Average earning assets | $539,473,670 | 1,136 |
| Average equity | $53,853,000 | 1,335 |
| Average total loans | $402,560,000 | 1,053 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4464% | 2,362 |
| Cost of funding earning assets | 0.5825% | 3,273 |
| Net interest margin | 3.8639% | 2,234 |
| Noninterest income to average assets | 0.4808% | 3,915 |
| Noninterest expense to average assets | 2.7490% | 3,876 |
| Loan and lease loss provision to assets | 0.3862% | 816 |
| Net operating income to assets | 0.7504% | 3,432 |
| Return on assets (ROA) | 0.8663% | 2,971 |
| Pretax return on assets | 1.1439% | 2,795 |
| Return on Equity (ROE) | 9.1332% | 2,425 |
| Retained earnings to average equity (ytd only) | 5.4872% | 2,961 |
| Net charge-offs to loans | 0.2831% | 1,832 |
| Credit loss provision to net charge-offs | 195.4225% | 1,113 |
| Earnings coverage of net charge-offs (x) | 6.9718% | 2,139 |
| Efficiency ratio | 66.6161% | 4,554 |
| Assets per employee ($millions) | 4.2375% | 3,463 |
| Cash dividends to net income (ytd only)* | 39.9197% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 4,140 |
| Loan loss allowance to noncurrent loans | 53.3177% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 2.3171% | 2,004 |
| Noncurrent loans to loans | 2.6615% | 1,933 |
| Net loans and leases to total assets | 69.1819% | 1,805 |
| Net loans and leases to deposits | 80.9740% | 1,957 |
| Net loans and leases to core deposits | 86.0711% | 2,097 |
| Total domestic deposits to total assets | 85.4372% | 3,825 |
| Equity capital to assets | 9.5607% | 4,772 |
| Core capital (leverage) ratio | 8.9485% | 4,975 |
| Tier 1 risk-based capital ratio | 13.3116% | 5,000 |
| Total risk-based capital ratio | 14.5668% | 4,953 |
| Memoranda: | ||
| Average total assets | $574,890,000 | 1,178 |
| Average earning assets | $542,461,000 | 1,142 |
| Average equity | $54,526,500 | 1,336 |
| Average total loans | $401,208,000 | 1,057 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7188% | 2,523 |
| Cost of funding earning assets | 0.7182% | 3,342 |
| Net interest margin | 4.0006% | 2,385 |
| Noninterest income to average assets | 0.7870% | 2,319 |
| Noninterest expense to average assets | 2.6491% | 4,574 |
| Loan and lease loss provision to assets | 0.5894% | 941 |
| Net operating income to assets | 1.0777% | 2,018 |
| Return on assets (ROA) | 1.1416% | 1,968 |
| Pretax return on assets | 1.4351% | 1,918 |
| Return on Equity (ROE) | 12.4228% | 1,382 |
| Retained earnings to average equity (ytd only) | 7.7193% | 1,225 |
| Net charge-offs to loans | 0.5016% | 2,236 |
| Credit loss provision to net charge-offs | 171.3563% | 1,540 |
| Earnings coverage of net charge-offs (x) | 5.6533% | 2,984 |
| Efficiency ratio | 57.6680% | 5,878 |
| Assets per employee ($millions) | 4.0685% | 3,814 |
| Cash dividends to net income (ytd only)* | 37.8622% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 4,385 |
| Loan loss allowance to noncurrent loans | 40.4473% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 2.7733% | 1,735 |
| Noncurrent loans to loans | 3.3457% | 1,523 |
| Net loans and leases to total assets | 68.4642% | 2,105 |
| Net loans and leases to deposits | 80.5720% | 2,211 |
| Net loans and leases to core deposits | 85.5132% | 2,376 |
| Total domestic deposits to total assets | 84.9727% | 3,875 |
| Equity capital to assets | 9.4094% | 4,984 |
| Core capital (leverage) ratio | 8.8256% | 5,140 |
| Tier 1 risk-based capital ratio | 13.0990% | 5,036 |
| Total risk-based capital ratio | 14.3508% | 4,983 |
| Memoranda: | ||
| Average total assets | $574,461,400 | 1,155 |
| Average earning assets | $546,619,000 | 1,104 |
| Average equity | $52,790,000 | 1,348 |
| Average total loans | $393,912,400 | 1,057 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 2,873 |
| Cost of funding earning assets | 0.7484% | 3,368 |
| Net interest margin | 3.9345% | 2,781 |
| Noninterest income to average assets | 0.8486% | 2,040 |
| Noninterest expense to average assets | 2.6352% | 4,619 |
| Loan and lease loss provision to assets | 0.3268% | 2,007 |
| Net operating income to assets | 1.2879% | 1,478 |
| Return on assets (ROA) | 1.3192% | 1,531 |
| Pretax return on assets | 1.6818% | 1,322 |
| Return on Equity (ROE) | 14.4431% | 1,013 |
| Retained earnings to average equity (ytd only) | 10.6593% | 746 |
| Net charge-offs to loans | 0.4678% | 2,231 |
| Credit loss provision to net charge-offs | 102.1802% | 2,880 |
| Earnings coverage of net charge-offs (x) | 6.1548% | 2,840 |
| Efficiency ratio | 57.2424% | 5,890 |
| Assets per employee ($millions) | 4.2426% | 3,381 |
| Cash dividends to net income (ytd only)* | 26.1981% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 5,995 |
| Loan loss allowance to noncurrent loans | 33.2977% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 2.4430% | 2,164 |
| Noncurrent loans to loans | 3.0731% | 1,809 |
| Net loans and leases to total assets | 67.8270% | 2,322 |
| Net loans and leases to deposits | 79.2957% | 2,502 |
| Net loans and leases to core deposits | 85.1799% | 2,562 |
| Total domestic deposits to total assets | 85.5368% | 3,489 |
| Equity capital to assets | 9.5250% | 5,171 |
| Core capital (leverage) ratio | 8.8346% | 5,290 |
| Tier 1 risk-based capital ratio | 13.1963% | 5,097 |
| Total risk-based capital ratio | 14.2440% | 5,218 |
| Memoranda: | ||
| Average total assets | $573,646,500 | 1,169 |
| Average earning assets | $547,487,750 | 1,119 |
| Average equity | $52,397,500 | 1,365 |
| Average total loans | $392,151,000 | 1,077 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7187% | 2,847 |
| Cost of funding earning assets | 0.7820% | 3,344 |
| Net interest margin | 3.9367% | 2,760 |
| Noninterest income to average assets | 1.0085% | 1,445 |
| Noninterest expense to average assets | 2.6912% | 4,465 |
| Loan and lease loss provision to assets | 0.3235% | 2,036 |
| Net operating income to assets | 1.4193% | 1,151 |
| Return on assets (ROA) | 1.4682% | 1,180 |
| Pretax return on assets | 1.8123% | 1,018 |
| Return on Equity (ROE) | 16.3085% | 721 |
| Retained earnings to average equity (ytd only) | 12.4632% | 510 |
| Net charge-offs to loans | 0.5339% | 1,991 |
| Credit loss provision to net charge-offs | 88.6973% | 3,087 |
| Earnings coverage of net charge-offs (x) | 5.6906% | 2,779 |
| Efficiency ratio | 56.4602% | 6,065 |
| Assets per employee ($millions) | 4.0783% | 3,700 |
| Cash dividends to net income (ytd only)* | 23.5784% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 6,183 |
| Loan loss allowance to noncurrent loans | 32.1883% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 2.5363% | 2,206 |
| Noncurrent loans to loans | 3.0903% | 1,905 |
| Net loans and leases to total assets | 67.9523% | 2,294 |
| Net loans and leases to deposits | 79.3273% | 2,477 |
| Net loans and leases to core deposits | 85.5593% | 2,485 |
| Total domestic deposits to total assets | 85.6607% | 3,527 |
| Equity capital to assets | 9.3928% | 5,200 |
| Core capital (leverage) ratio | 8.6980% | 5,385 |
| Tier 1 risk-based capital ratio | 13.2017% | 5,033 |
| Total risk-based capital ratio | 14.2314% | 5,173 |
| Memoranda: | ||
| Average total assets | $572,530,000 | 1,174 |
| Average earning assets | $546,551,330 | 1,120 |
| Average equity | $51,543,670 | 1,379 |
| Average total loans | $391,066,330 | 1,081 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7125% | 3,008 |
| Cost of funding earning assets | 0.8334% | 3,198 |
| Net interest margin | 3.8791% | 3,011 |
| Noninterest income to average assets | 0.5135% | 3,823 |
| Noninterest expense to average assets | 2.7273% | 4,325 |
| Loan and lease loss provision to assets | 0.3112% | 2,021 |
| Net operating income to assets | 0.8621% | 3,095 |
| Return on assets (ROA) | 0.9370% | 2,966 |
| Pretax return on assets | 1.2796% | 2,614 |
| Return on Equity (ROE) | 10.6374% | 2,166 |
| Retained earnings to average equity (ytd only) | 6.7167% | 2,573 |
| Net charge-offs to loans | 0.3850% | 2,152 |
| Credit loss provision to net charge-offs | 118.6170% | 2,002 |
| Earnings coverage of net charge-offs (x) | 5.6729% | 2,317 |
| Efficiency ratio | 64.6971% | 4,799 |
| Assets per employee ($millions) | 4.0278% | 3,953 |
| Cash dividends to net income (ytd only)* | 36.8578% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 6,073 |
| Loan loss allowance to noncurrent loans | 33.0716% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 2.5954% | 2,279 |
| Noncurrent loans to loans | 3.1798% | 2,023 |
| Net loans and leases to total assets | 66.7494% | 2,340 |
| Net loans and leases to deposits | 77.4161% | 2,607 |
| Net loans and leases to core deposits | 82.6788% | 2,732 |
| Total domestic deposits to total assets | 86.2216% | 3,403 |
| Equity capital to assets | 8.8442% | 5,703 |
| Core capital (leverage) ratio | 8.3426% | 5,818 |
| Tier 1 risk-based capital ratio | 12.6247% | 5,497 |
| Total risk-based capital ratio | 13.7083% | 5,605 |
| Memoranda: | ||
| Average total assets | $573,317,000 | 1,175 |
| Average earning assets | $547,140,000 | 1,111 |
| Average equity | $50,501,000 | 1,401 |
| Average total loans | $390,661,500 | 1,083 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0412% | 2,702 |
| Cost of funding earning assets | 1.0134% | 3,275 |
| Net interest margin | 4.0278% | 2,744 |
| Noninterest income to average assets | 0.5778% | 3,309 |
| Noninterest expense to average assets | 2.6378% | 4,970 |
| Loan and lease loss provision to assets | 0.4663% | 2,273 |
| Net operating income to assets | 0.9604% | 2,358 |
| Return on assets (ROA) | 0.9617% | 2,484 |
| Pretax return on assets | 1.3194% | 2,057 |
| Return on Equity (ROE) | 11.0172% | 1,694 |
| Retained earnings to average equity (ytd only) | 3.8361% | 3,483 |
| Net charge-offs to loans | 0.6196% | 2,599 |
| Credit loss provision to net charge-offs | 105.8896% | 3,223 |
| Earnings coverage of net charge-offs (x) | 4.0507% | 3,286 |
| Efficiency ratio | 59.6546% | 5,811 |
| Assets per employee ($millions) | 4.1654% | 3,522 |
| Cash dividends to net income (ytd only)* | 65.1807% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 6,107 |
| Loan loss allowance to noncurrent loans | 36.2357% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 2.2979% | 2,630 |
| Noncurrent loans to loans | 2.8217% | 2,324 |
| Net loans and leases to total assets | 68.1249% | 2,375 |
| Net loans and leases to deposits | 78.8506% | 2,700 |
| Net loans and leases to core deposits | 83.7553% | 2,921 |
| Total domestic deposits to total assets | 86.3975% | 3,076 |
| Equity capital to assets | 8.7726% | 5,827 |
| Core capital (leverage) ratio | 8.2803% | 5,881 |
| Tier 1 risk-based capital ratio | 12.4315% | 5,507 |
| Total risk-based capital ratio | 13.4994% | 5,620 |
| Memoranda: | ||
| Average total assets | $555,167,400 | 1,189 |
| Average earning assets | $529,819,000 | 1,126 |
| Average equity | $48,460,800 | 1,410 |
| Average total loans | $394,624,400 | 1,079 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1002% | 2,609 |
| Cost of funding earning assets | 1.0461% | 3,348 |
| Net interest margin | 4.0541% | 2,676 |
| Noninterest income to average assets | 0.5681% | 3,383 |
| Noninterest expense to average assets | 2.6499% | 4,906 |
| Loan and lease loss provision to assets | 0.4448% | 2,249 |
| Net operating income to assets | 0.9739% | 2,415 |
| Return on assets (ROA) | 0.9756% | 2,577 |
| Pretax return on assets | 1.3459% | 2,129 |
| Return on Equity (ROE) | 11.1911% | 1,791 |
| Retained earnings to average equity (ytd only) | 7.0714% | 1,931 |
| Net charge-offs to loans | 0.5362% | 2,625 |
| Credit loss provision to net charge-offs | 115.7332% | 2,826 |
| Earnings coverage of net charge-offs (x) | 4.6532% | 2,994 |
| Efficiency ratio | 59.7079% | 5,768 |
| Assets per employee ($millions) | 4.1499% | 3,544 |
| Cash dividends to net income (ytd only)* | 36.8121% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 6,046 |
| Loan loss allowance to noncurrent loans | 35.0212% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 2.5746% | 2,505 |
| Noncurrent loans to loans | 2.9996% | 2,302 |
| Net loans and leases to total assets | 69.3040% | 2,218 |
| Net loans and leases to deposits | 81.6863% | 2,420 |
| Net loans and leases to core deposits | 87.4129% | 2,571 |
| Total domestic deposits to total assets | 84.8416% | 3,853 |
| Equity capital to assets | 9.1384% | 5,597 |
| Core capital (leverage) ratio | 8.5303% | 5,665 |
| Tier 1 risk-based capital ratio | 12.6274% | 5,389 |
| Total risk-based capital ratio | 13.7246% | 5,503 |
| Memoranda: | ||
| Average total assets | $551,296,000 | 1,206 |
| Average earning assets | $526,270,250 | 1,143 |
| Average equity | $48,060,750 | 1,426 |
| Average total loans | $395,087,250 | 1,086 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1110% | 2,626 |
| Cost of funding earning assets | 1.0636% | 3,518 |
| Net interest margin | 4.0474% | 2,624 |
| Noninterest income to average assets | 0.5741% | 3,304 |
| Noninterest expense to average assets | 2.6864% | 4,873 |
| Loan and lease loss provision to assets | 0.3972% | 2,429 |
| Net operating income to assets | 0.9783% | 2,317 |
| Return on assets (ROA) | 0.9783% | 2,419 |
| Pretax return on assets | 1.3518% | 1,952 |
| Return on Equity (ROE) | 11.4090% | 1,668 |
| Retained earnings to average equity (ytd only) | 7.2019% | 1,785 |
| Net charge-offs to loans | 0.5945% | 2,331 |
| Credit loss provision to net charge-offs | 92.5234% | 3,388 |
| Earnings coverage of net charge-offs (x) | 4.0739% | 2,973 |
| Efficiency ratio | 60.5674% | 5,787 |
| Assets per employee ($millions) | 3.9617% | 3,839 |
| Cash dividends to net income (ytd only)* | 36.8755% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 6,510 |
| Loan loss allowance to noncurrent loans | 34.9626% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 2.3787% | 2,773 |
| Noncurrent loans to loans | 2.7185% | 2,675 |
| Net loans and leases to total assets | 71.6092% | 1,857 |
| Net loans and leases to deposits | 84.6265% | 2,008 |
| Net loans and leases to core deposits | 89.7851% | 2,402 |
| Total domestic deposits to total assets | 84.6179% | 4,064 |
| Equity capital to assets | 8.8119% | 5,806 |
| Core capital (leverage) ratio | 8.4933% | 5,566 |
| Tier 1 risk-based capital ratio | 12.3646% | 5,462 |
| Total risk-based capital ratio | 13.3690% | 5,664 |
| Memoranda: | ||
| Average total assets | $548,315,000 | 1,221 |
| Average earning assets | $523,107,330 | 1,165 |
| Average equity | $47,015,330 | 1,439 |
| Average total loans | $395,986,330 | 1,093 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1198% | 2,557 |
| Cost of funding earning assets | 1.0911% | 3,582 |
| Net interest margin | 4.0287% | 2,571 |
| Noninterest income to average assets | 0.5841% | 3,273 |
| Noninterest expense to average assets | 2.7021% | 4,828 |
| Loan and lease loss provision to assets | 0.3984% | 2,203 |
| Net operating income to assets | 0.9650% | 2,295 |
| Return on assets (ROA) | 0.9650% | 2,360 |
| Pretax return on assets | 1.3276% | 1,953 |
| Return on Equity (ROE) | 11.4136% | 1,618 |
| Retained earnings to average equity (ytd only) | 7.1422% | 2,085 |
| Net charge-offs to loans | 0.5642% | 2,074 |
| Credit loss provision to net charge-offs | 97.8456% | 2,789 |
| Earnings coverage of net charge-offs (x) | 4.2388% | 2,537 |
| Efficiency ratio | 61.0203% | 5,829 |
| Assets per employee ($millions) | 4.0161% | 3,803 |
| Cash dividends to net income (ytd only)* | 37.4242% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 6,492 |
| Loan loss allowance to noncurrent loans | 69.5746% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.4282% | 4,132 |
| Noncurrent loans to loans | 1.3936% | 4,381 |
| Net loans and leases to total assets | 70.6220% | 2,005 |
| Net loans and leases to deposits | 83.7188% | 2,079 |
| Net loans and leases to core deposits | 89.1504% | 2,465 |
| Total domestic deposits to total assets | 84.3562% | 4,342 |
| Equity capital to assets | 8.3690% | 6,086 |
| Core capital (leverage) ratio | 8.4098% | 5,609 |
| Tier 1 risk-based capital ratio | 12.1651% | 5,537 |
| Total risk-based capital ratio | 13.1923% | 5,733 |
| Memoranda: | ||
| Average total assets | $547,133,500 | 1,233 |
| Average earning assets | $522,049,000 | 1,176 |
| Average equity | $46,260,500 | 1,451 |
| Average total loans | $394,919,500 | 1,112 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4256% | 2,562 |
| Cost of funding earning assets | 1.4234% | 3,119 |
| Net interest margin | 4.0022% | 3,010 |
| Noninterest income to average assets | 0.4934% | 4,218 |
| Noninterest expense to average assets | 2.7491% | 4,784 |
| Loan and lease loss provision to assets | 0.3580% | 3,971 |
| Net operating income to assets | 0.8689% | 2,516 |
| Return on assets (ROA) | 0.9056% | 2,499 |
| Pretax return on assets | 1.2602% | 2,041 |
| Return on Equity (ROE) | 10.3917% | 1,792 |
| Retained earnings to average equity (ytd only) | 2.9593% | 3,786 |
| Net charge-offs to loans | 0.3261% | 4,382 |
| Credit loss provision to net charge-offs | 148.5692% | 2,453 |
| Earnings coverage of net charge-offs (x) | 6.5043% | 2,341 |
| Efficiency ratio | 63.6921% | 5,402 |
| Assets per employee ($millions) | 4.0002% | 3,785 |
| Cash dividends to net income (ytd only)* | 71.5226% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 6,433 |
| Loan loss allowance to noncurrent loans | 67.7634% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.5538% | 3,978 |
| Noncurrent loans to loans | 1.4586% | 4,296 |
| Net loans and leases to total assets | 72.3595% | 2,013 |
| Net loans and leases to deposits | 83.5607% | 2,519 |
| Net loans and leases to core deposits | 87.9056% | 3,069 |
| Total domestic deposits to total assets | 86.5952% | 3,033 |
| Equity capital to assets | 8.5447% | 5,801 |
| Core capital (leverage) ratio | 8.1848% | 5,852 |
| Tier 1 risk-based capital ratio | 11.8732% | 5,601 |
| Total risk-based capital ratio | 12.8973% | 5,779 |
| Memoranda: | ||
| Average total assets | $536,644,400 | 1,251 |
| Average earning assets | $512,589,000 | 1,201 |
| Average equity | $46,768,000 | 1,431 |
| Average total loans | $396,491,000 | 1,137 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4481% | 2,654 |
| Cost of funding earning assets | 1.4624% | 3,205 |
| Net interest margin | 3.9856% | 3,168 |
| Noninterest income to average assets | 0.4424% | 4,623 |
| Noninterest expense to average assets | 2.7540% | 4,671 |
| Loan and lease loss provision to assets | 0.3467% | 3,837 |
| Net operating income to assets | 0.8213% | 2,913 |
| Return on assets (ROA) | 0.8696% | 2,872 |
| Pretax return on assets | 1.2173% | 2,428 |
| Return on Equity (ROE) | 9.9297% | 2,151 |
| Retained earnings to average equity (ytd only) | 5.7264% | 2,525 |
| Net charge-offs to loans | 0.2541% | 4,420 |
| Credit loss provision to net charge-offs | 184.1689% | 1,969 |
| Earnings coverage of net charge-offs (x) | 7.9459% | 2,233 |
| Efficiency ratio | 64.8004% | 5,089 |
| Assets per employee ($millions) | 4.1035% | 3,636 |
| Cash dividends to net income (ytd only)* | 42.3308% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 6,503 |
| Loan loss allowance to noncurrent loans | 45.3134% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 1.9017% | 3,614 |
| Noncurrent loans to loans | 2.1499% | 3,512 |
| Net loans and leases to total assets | 71.2312% | 2,423 |
| Net loans and leases to deposits | 83.3892% | 2,811 |
| Net loans and leases to core deposits | 88.5067% | 3,310 |
| Total domestic deposits to total assets | 85.4202% | 3,401 |
| Equity capital to assets | 8.7865% | 5,879 |
| Core capital (leverage) ratio | 8.4461% | 5,611 |
| Tier 1 risk-based capital ratio | 11.9931% | 5,470 |
| Total risk-based capital ratio | 13.0159% | 5,644 |
| Memoranda: | ||
| Average total assets | $536,799,000 | 1,263 |
| Average earning assets | $512,828,750 | 1,207 |
| Average equity | $47,009,500 | 1,431 |
| Average total loans | $397,679,250 | 1,144 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5064% | 2,487 |
| Cost of funding earning assets | 1.5097% | 3,206 |
| Net interest margin | 3.9967% | 3,029 |
| Noninterest income to average assets | 0.3815% | 5,074 |
| Noninterest expense to average assets | 2.7883% | 4,541 |
| Loan and lease loss provision to assets | 0.3280% | 3,773 |
| Net operating income to assets | 0.7759% | 3,086 |
| Return on assets (ROA) | 0.8470% | 2,896 |
| Pretax return on assets | 1.1814% | 2,474 |
| Return on Equity (ROE) | 9.6826% | 2,217 |
| Retained earnings to average equity (ytd only) | 5.4290% | 2,660 |
| Net charge-offs to loans | 0.2320% | 4,215 |
| Credit loss provision to net charge-offs | 188.9371% | 2,088 |
| Earnings coverage of net charge-offs (x) | 8.1258% | 2,186 |
| Efficiency ratio | 66.4036% | 4,908 |
| Assets per employee ($millions) | 3.8396% | 4,130 |
| Cash dividends to net income (ytd only)* | 43.9306% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 6,710 |
| Loan loss allowance to noncurrent loans | 37.1002% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 1.9411% | 3,563 |
| Noncurrent loans to loans | 2.4622% | 3,184 |
| Net loans and leases to total assets | 74.8046% | 1,738 |
| Net loans and leases to deposits | 86.1864% | 2,482 |
| Net loans and leases to core deposits | 92.2117% | 2,956 |
| Total domestic deposits to total assets | 86.7939% | 2,651 |
| Equity capital to assets | 8.9095% | 5,589 |
| Core capital (leverage) ratio | 8.3716% | 5,626 |
| Tier 1 risk-based capital ratio | 11.8501% | 5,447 |
| Total risk-based capital ratio | 12.8175% | 5,674 |
| Memoranda: | ||
| Average total assets | $531,074,670 | 1,282 |
| Average earning assets | $507,262,330 | 1,225 |
| Average equity | $46,454,330 | 1,447 |
| Average total loans | $397,411,330 | 1,159 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5075% | 2,546 |
| Cost of funding earning assets | 1.5548% | 3,236 |
| Net interest margin | 3.9528% | 3,087 |
| Noninterest income to average assets | 0.4785% | 4,210 |
| Noninterest expense to average assets | 2.7588% | 4,657 |
| Loan and lease loss provision to assets | 0.3950% | 2,999 |
| Net operating income to assets | 0.7833% | 3,038 |
| Return on assets (ROA) | 0.8531% | 2,832 |
| Pretax return on assets | 1.1917% | 2,386 |
| Return on Equity (ROE) | 9.8443% | 2,157 |
| Retained earnings to average equity (ytd only) | 5.5559% | 2,839 |
| Net charge-offs to loans | 0.2858% | 3,264 |
| Credit loss provision to net charge-offs | 185.5124% | 1,976 |
| Earnings coverage of net charge-offs (x) | 6.9965% | 2,143 |
| Efficiency ratio | 64.9371% | 5,316 |
| Assets per employee ($millions) | 4.0353% | 3,793 |
| Cash dividends to net income (ytd only)* | 43.5626% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 6,904 |
| Loan loss allowance to noncurrent loans | 45.5686% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 1.6541% | 3,995 |
| Noncurrent loans to loans | 1.9294% | 3,888 |
| Net loans and leases to total assets | 72.6806% | 2,289 |
| Net loans and leases to deposits | 84.3488% | 2,880 |
| Net loans and leases to core deposits | 90.5649% | 3,293 |
| Total domestic deposits to total assets | 86.1667% | 3,053 |
| Equity capital to assets | 8.5302% | 5,959 |
| Core capital (leverage) ratio | 8.3155% | 5,712 |
| Tier 1 risk-based capital ratio | 11.7054% | 5,489 |
| Total risk-based capital ratio | 12.6298% | 5,755 |
| Memoranda: | ||
| Average total assets | $531,681,000 | 1,313 |
| Average earning assets | $507,087,000 | 1,257 |
| Average equity | $46,077,500 | 1,460 |
| Average total loans | $396,109,500 | 1,189 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8258% | 2,547 |
| Cost of funding earning assets | 2.0201% | 2,869 |
| Net interest margin | 3.8056% | 3,684 |
| Noninterest income to average assets | 0.5479% | 4,041 |
| Noninterest expense to average assets | 2.6708% | 5,514 |
| Loan and lease loss provision to assets | 0.3118% | 4,953 |
| Net operating income to assets | 0.8509% | 2,344 |
| Return on assets (ROA) | 0.7448% | 2,836 |
| Pretax return on assets | 1.0512% | 2,406 |
| Return on Equity (ROE) | 8.8287% | 2,079 |
| Retained earnings to average equity (ytd only) | 4.3461% | 2,196 |
| Net charge-offs to loans | 0.3221% | 4,626 |
| Credit loss provision to net charge-offs | 129.8961% | 3,937 |
| Earnings coverage of net charge-offs (x) | 6.3014% | 2,392 |
| Efficiency ratio | 63.8461% | 5,804 |
| Assets per employee ($millions) | 3.8714% | 4,086 |
| Cash dividends to net income (ytd only)* | 50.7728% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 7,073 |
| Loan loss allowance to noncurrent loans | 46.8515% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 1.6057% | 3,965 |
| Noncurrent loans to loans | 1.7497% | 4,015 |
| Net loans and leases to total assets | 75.0974% | 2,002 |
| Net loans and leases to deposits | 86.3349% | 2,850 |
| Net loans and leases to core deposits | 111.7563% | 2,722 |
| Total domestic deposits to total assets | 86.9839% | 2,520 |
| Equity capital to assets | 8.8073% | 5,424 |
| Core capital (leverage) ratio | 8.1876% | 5,836 |
| Tier 1 risk-based capital ratio | 11.6217% | 5,273 |
| Total risk-based capital ratio | 12.4884% | 5,629 |
| Memoranda: | ||
| Average total assets | $521,223,400 | 1,321 |
| Average earning assets | $497,891,400 | 1,264 |
| Average equity | $43,970,400 | 1,522 |
| Average total loans | $388,428,000 | 1,238 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8482% | 2,673 |
| Cost of funding earning assets | 2.1187% | 2,809 |
| Net interest margin | 3.7295% | 3,950 |
| Noninterest income to average assets | 0.5219% | 4,301 |
| Noninterest expense to average assets | 2.6261% | 5,616 |
| Loan and lease loss provision to assets | 0.2624% | 4,861 |
| Net operating income to assets | 0.8524% | 2,602 |
| Return on assets (ROA) | 0.7062% | 3,246 |
| Pretax return on assets | 0.9955% | 2,922 |
| Return on Equity (ROE) | 8.4651% | 2,463 |
| Retained earnings to average equity (ytd only) | 3.9334% | 3,081 |
| Net charge-offs to loans | 0.2683% | 4,361 |
| Credit loss provision to net charge-offs | 131.7481% | 3,794 |
| Earnings coverage of net charge-offs (x) | 7.3496% | 2,422 |
| Efficiency ratio | 64.2111% | 5,703 |
| Assets per employee ($millions) | 3.8705% | 4,020 |
| Cash dividends to net income (ytd only)* | 53.5338% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 7,138 |
| Loan loss allowance to noncurrent loans | 40.0385% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 1.7439% | 3,747 |
| Noncurrent loans to loans | 1.9873% | 3,660 |
| Net loans and leases to total assets | 74.3737% | 2,422 |
| Net loans and leases to deposits | 85.1784% | 3,471 |
| Net loans and leases to core deposits | 111.8135% | 3,044 |
| Total domestic deposits to total assets | 87.3153% | 2,004 |
| Equity capital to assets | 8.6396% | 6,053 |
| Core capital (leverage) ratio | 8.2056% | 6,002 |
| Tier 1 risk-based capital ratio | 11.5556% | 5,380 |
| Total risk-based capital ratio | 12.3959% | 5,759 |
| Memoranda: | ||
| Average total assets | $520,870,000 | 1,336 |
| Average earning assets | $498,286,000 | 1,276 |
| Average equity | $43,455,500 | 1,561 |
| Average total loans | $386,602,250 | 1,262 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8410% | 2,843 |
| Cost of funding earning assets | 2.2292% | 2,667 |
| Net interest margin | 3.6117% | 4,317 |
| Noninterest income to average assets | 0.5181% | 4,283 |
| Noninterest expense to average assets | 2.6376% | 5,597 |
| Loan and lease loss provision to assets | 0.2498% | 4,573 |
| Net operating income to assets | 0.7648% | 2,992 |
| Return on assets (ROA) | 0.7165% | 3,287 |
| Pretax return on assets | 1.0140% | 2,952 |
| Return on Equity (ROE) | 8.6914% | 2,470 |
| Retained earnings to average equity (ytd only) | 4.1126% | 3,006 |
| Net charge-offs to loans | 0.3346% | 3,501 |
| Credit loss provision to net charge-offs | 100.9317% | 4,526 |
| Earnings coverage of net charge-offs (x) | 5.3804% | 2,844 |
| Efficiency ratio | 66.4472% | 5,465 |
| Assets per employee ($millions) | 3.9834% | 3,710 |
| Cash dividends to net income (ytd only)* | 52.6824% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7377% | 7,340 |
| Loan loss allowance to noncurrent loans | 42.3689% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 1.5043% | 3,978 |
| Noncurrent loans to loans | 1.7410% | 3,897 |
| Net loans and leases to total assets | 73.6018% | 2,813 |
| Net loans and leases to deposits | 82.9048% | 4,062 |
| Net loans and leases to core deposits | 111.2409% | 3,233 |
| Total domestic deposits to total assets | 88.7787% | 1,388 |
| Equity capital to assets | 8.2039% | 6,485 |
| Core capital (leverage) ratio | 8.1368% | 6,099 |
| Tier 1 risk-based capital ratio | 11.1692% | 5,705 |
| Total risk-based capital ratio | 11.9254% | 6,142 |
| Memoranda: | ||
| Average total assets | $520,323,000 | 1,363 |
| Average earning assets | $497,211,000 | 1,299 |
| Average equity | $42,893,000 | 1,590 |
| Average total loans | $384,893,670 | 1,285 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8367% | 3,109 |
| Cost of funding earning assets | 2.3386% | 2,546 |
| Net interest margin | 3.4982% | 4,745 |
| Noninterest income to average assets | 0.4683% | 4,606 |
| Noninterest expense to average assets | 2.5689% | 5,575 |
| Loan and lease loss provision to assets | 0.1739% | 4,723 |
| Net operating income to assets | 0.7444% | 3,373 |
| Return on assets (ROA) | 0.8115% | 3,241 |
| Pretax return on assets | 1.1647% | 2,747 |
| Return on Equity (ROE) | 9.8197% | 2,388 |
| Retained earnings to average equity (ytd only) | 5.2652% | 2,981 |
| Net charge-offs to loans | 0.3651% | 2,637 |
| Credit loss provision to net charge-offs | 64.4699% | 4,448 |
| Earnings coverage of net charge-offs (x) | 4.6074% | 2,848 |
| Efficiency ratio | 67.3966% | 5,065 |
| Assets per employee ($millions) | 4.0366% | 3,586 |
| Cash dividends to net income (ytd only)* | 46.3810% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7129% | 7,404 |
| Loan loss allowance to noncurrent loans | 42.0650% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 1.5452% | 3,618 |
| Noncurrent loans to loans | 1.6947% | 3,713 |
| Net loans and leases to total assets | 72.3285% | 3,165 |
| Net loans and leases to deposits | 82.1063% | 4,264 |
| Net loans and leases to core deposits | 112.5489% | 3,162 |
| Total domestic deposits to total assets | 88.0913% | 1,707 |
| Equity capital to assets | 8.1579% | 6,588 |
| Core capital (leverage) ratio | 8.1384% | 6,208 |
| Tier 1 risk-based capital ratio | 10.8472% | 6,044 |
| Total risk-based capital ratio | 11.5540% | 6,518 |
| Memoranda: | ||
| Average total assets | $517,578,500 | 1,372 |
| Average earning assets | $494,659,500 | 1,312 |
| Average equity | $42,771,000 | 1,600 |
| Average total loans | $382,399,000 | 1,304 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6004% | 2,494 |
| Cost of funding earning assets | 3.0007% | 1,860 |
| Net interest margin | 3.5996% | 4,889 |
| Noninterest income to average assets | 0.4986% | 4,620 |
| Noninterest expense to average assets | 2.5382% | 5,862 |
| Loan and lease loss provision to assets | 0.1313% | 5,687 |
| Net operating income to assets | 0.8572% | 3,193 |
| Return on assets (ROA) | 0.8962% | 2,855 |
| Pretax return on assets | 1.2977% | 2,319 |
| Return on Equity (ROE) | 11.0247% | 1,896 |
| Retained earnings to average equity (ytd only) | 6.3012% | 1,394 |
| Net charge-offs to loans | 0.2001% | 4,196 |
| Credit loss provision to net charge-offs | 88.4980% | 5,711 |
| Earnings coverage of net charge-offs (x) | 9.2517% | 2,722 |
| Efficiency ratio | 64.9061% | 5,348 |
| Assets per employee ($millions) | 3.7789% | 4,006 |
| Cash dividends to net income (ytd only)* | 42.8443% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7564% | 7,260 |
| Loan loss allowance to noncurrent loans | 39.4368% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 1.6300% | 2,988 |
| Noncurrent loans to loans | 1.9179% | 2,872 |
| Net loans and leases to total assets | 74.3956% | 3,014 |
| Net loans and leases to deposits | 84.7850% | 4,293 |
| Net loans and leases to core deposits | 115.0433% | 3,234 |
| Total domestic deposits to total assets | 87.7462% | 1,582 |
| Equity capital to assets | 8.3742% | 6,306 |
| Core capital (leverage) ratio | 8.1983% | 6,169 |
| Tier 1 risk-based capital ratio | 10.8864% | 5,826 |
| Total risk-based capital ratio | 11.6380% | 6,202 |
| Memoranda: | ||
| Average total assets | $498,196,000 | 1,357 |
| Average earning assets | $472,215,800 | 1,310 |
| Average equity | $40,500,000 | 1,656 |
| Average total loans | $369,390,400 | 1,314 |