Home > Hendricks County Bank and Trust Company > Performance and Condition Ratios
Hendricks County Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4901% | 3,116 |
| Cost of funding earning assets | 0.9300% | 3,458 |
| Net interest margin | 3.5601% | 2,044 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 3.3407% | 707 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.2404% | 4,113 |
| Return on assets (ROA) | 0.2429% | 4,118 |
| Pretax return on assets | 0.3215% | 4,069 |
| Return on Equity (ROE) | 3.8300% | 3,913 |
| Retained earnings to average equity (ytd only) | 3.3531% | 3,181 |
| Net charge-offs to loans | 0.0211% | 1,919 |
| Credit loss provision to net charge-offs | 228.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 30.6400% | 1,625 |
| Efficiency ratio | 90.6654% | 392 |
| Assets per employee ($millions) | 4.8203% | 3,759 |
| Cash dividends to net income (ytd only)* | 12.3845% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 2,429 |
| Loan loss allowance to noncurrent loans | 157.2816% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 1,357 |
| Noncurrent loans to loans | 0.7482% | 1,044 |
| Net loans and leases to total assets | 54.0400% | 3,346 |
| Net loans and leases to deposits | 60.9926% | 3,473 |
| Net loans and leases to core deposits | 65.4095% | 3,522 |
| Total domestic deposits to total assets | 88.6100% | 1,179 |
| Equity capital to assets | 6.7343% | 4,039 |
| Core capital (leverage) ratio | 9.8387% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $222,704,600 | 2,830 |
| Average earning assets | $205,273,000 | 2,827 |
| Average equity | $14,136,000 | 3,334 |
| Average total loans | $118,283,600 | 2,971 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3853% | 3,126 |
| Cost of funding earning assets | 0.8209% | 3,471 |
| Net interest margin | 3.5644% | 2,078 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 3.3029% | 720 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.2480% | 4,179 |
| Return on assets (ROA) | 0.2513% | 4,183 |
| Pretax return on assets | 0.3409% | 4,120 |
| Return on Equity (ROE) | 4.0200% | 3,977 |
| Retained earnings to average equity (ytd only) | 4.0223% | 3,251 |
| Net charge-offs to loans | 0.0285% | 1,505 |
| Credit loss provision to net charge-offs | 136.0000% | 1,381 |
| Earnings coverage of net charge-offs (x) | 23.7600% | 1,723 |
| Efficiency ratio | 90.2415% | 364 |
| Assets per employee ($millions) | 4.9641% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,491 |
| Loan loss allowance to noncurrent loans | 152.0635% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 1,405 |
| Noncurrent loans to loans | 0.7734% | 1,076 |
| Net loans and leases to total assets | 52.8800% | 3,433 |
| Net loans and leases to deposits | 59.1369% | 3,548 |
| Net loans and leases to core deposits | 62.8107% | 3,587 |
| Total domestic deposits to total assets | 89.4200% | 1,107 |
| Equity capital to assets | 5.8870% | 4,031 |
| Core capital (leverage) ratio | 9.8374% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $221,741,750 | 2,850 |
| Average earning assets | $204,163,250 | 2,850 |
| Average equity | $13,855,750 | 3,347 |
| Average total loans | $116,879,500 | 2,990 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 3,098 |
| Cost of funding earning assets | 0.6669% | 3,580 |
| Net interest margin | 3.6348% | 1,961 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 3.3343% | 665 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.2674% | 4,206 |
| Return on assets (ROA) | 0.2724% | 4,229 |
| Pretax return on assets | 0.3717% | 4,155 |
| Return on Equity (ROE) | 4.2700% | 3,990 |
| Retained earnings to average equity (ytd only) | 4.2735% | 3,137 |
| Net charge-offs to loans | 0.0417% | 1,093 |
| Credit loss provision to net charge-offs | 87.5000% | 1,518 |
| Earnings coverage of net charge-offs (x) | 17.5833% | 1,794 |
| Efficiency ratio | 89.6619% | 364 |
| Assets per employee ($millions) | 4.8202% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 2,506 |
| Loan loss allowance to noncurrent loans | 147.3085% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 1,222 |
| Noncurrent loans to loans | 0.8055% | 945 |
| Net loans and leases to total assets | 53.4400% | 3,309 |
| Net loans and leases to deposits | 60.0754% | 3,410 |
| Net loans and leases to core deposits | 63.7772% | 3,464 |
| Total domestic deposits to total assets | 88.9600% | 1,272 |
| Equity capital to assets | 6.2870% | 4,068 |
| Core capital (leverage) ratio | 9.9316% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $219,539,000 | 2,873 |
| Average earning assets | $201,828,000 | 2,877 |
| Average equity | $13,993,333 | 3,357 |
| Average total loans | $115,110,000 | 3,005 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 3,029 |
| Cost of funding earning assets | 0.4460% | 3,846 |
| Net interest margin | 3.7592% | 1,768 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 3.2448% | 748 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.4102% | 4,074 |
| Return on assets (ROA) | 0.4376% | 3,976 |
| Pretax return on assets | 0.5915% | 3,856 |
| Return on Equity (ROE) | 6.8200% | 3,560 |
| Retained earnings to average equity (ytd only) | 6.8188% | 2,544 |
| Net charge-offs to loans | 0.0142% | 1,426 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 910 |
| Efficiency ratio | 85.1923% | 539 |
| Assets per employee ($millions) | 4.8401% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,399 |
| Loan loss allowance to noncurrent loans | 144.0969% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.4550% | 1,120 |
| Noncurrent loans to loans | 0.8527% | 895 |
| Net loans and leases to total assets | 52.7000% | 3,299 |
| Net loans and leases to deposits | 56.4786% | 3,546 |
| Net loans and leases to core deposits | 59.3754% | 3,572 |
| Total domestic deposits to total assets | 93.3200% | 254 |
| Equity capital to assets | 6.4521% | 4,045 |
| Core capital (leverage) ratio | 10.0374% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $218,444,000 | 2,919 |
| Average earning assets | $200,891,500 | 2,925 |
| Average equity | $14,020,000 | 3,385 |
| Average total loans | $112,703,500 | 3,066 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5786% | 2,860 |
| Cost of funding earning assets | 0.1968% | 3,785 |
| Net interest margin | 3.3818% | 2,315 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 3.0970% | 838 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5562% | 3,975 |
| Return on assets (ROA) | 0.5951% | 3,856 |
| Pretax return on assets | 0.5896% | 4,041 |
| Return on Equity (ROE) | 8.2900% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.8777% | 1,884 |
| Net charge-offs to loans | 0.0065% | 2,170 |
| Credit loss provision to net charge-offs | 14.2857% | 1,948 |
| Earnings coverage of net charge-offs (x) | 172.1429% | 724 |
| Efficiency ratio | 84.8922% | 452 |
| Assets per employee ($millions) | 4.8685% | 3,770 |
| Cash dividends to net income (ytd only)* | 4.9962% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 1,860 |
| Loan loss allowance to noncurrent loans | 2,460.3448% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,557 |
| Noncurrent loans to loans | 0.0531% | 3,373 |
| Net loans and leases to total assets | 49.1900% | 3,567 |
| Net loans and leases to deposits | 52.6493% | 3,757 |
| Net loans and leases to core deposits | 55.6792% | 3,736 |
| Total domestic deposits to total assets | 93.4200% | 325 |
| Equity capital to assets | 6.3843% | 3,946 |
| Core capital (leverage) ratio | 10.1488% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $218,632,000 | 2,912 |
| Average earning assets | $201,755,000 | 2,918 |
| Average equity | $15,689,800 | 3,308 |
| Average total loans | $107,912,400 | 3,048 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4106% | 2,885 |
| Cost of funding earning assets | 0.1452% | 3,894 |
| Net interest margin | 3.2654% | 2,403 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.9586% | 961 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5595% | 3,942 |
| Return on assets (ROA) | 0.6077% | 3,767 |
| Pretax return on assets | 0.6535% | 3,892 |
| Return on Equity (ROE) | 8.2400% | 3,260 |
| Retained earnings to average equity (ytd only) | 8.2403% | 1,915 |
| Net charge-offs to loans | 0.0062% | 1,931 |
| Credit loss provision to net charge-offs | -60.0000% | 4,632 |
| Earnings coverage of net charge-offs (x) | 196.6000% | 628 |
| Efficiency ratio | 83.1447% | 600 |
| Assets per employee ($millions) | 4.8769% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 1,939 |
| Loan loss allowance to noncurrent loans | 11,883.3333% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 3,956 |
| Noncurrent loans to loans | 0.0111% | 3,859 |
| Net loans and leases to total assets | 48.5500% | 3,577 |
| Net loans and leases to deposits | 51.7783% | 3,746 |
| Net loans and leases to core deposits | 54.8774% | 3,695 |
| Total domestic deposits to total assets | 93.7700% | 402 |
| Equity capital to assets | 6.1000% | 3,924 |
| Core capital (leverage) ratio | 10.0020% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $218,519,250 | 2,939 |
| Average earning assets | $201,950,750 | 2,938 |
| Average equity | $16,115,500 | 3,304 |
| Average total loans | $107,593,500 | 3,063 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1996% | 3,050 |
| Cost of funding earning assets | 0.1297% | 3,842 |
| Net interest margin | 3.0699% | 2,648 |
| Noninterest income to average assets | 0.7149% | 1,276 |
| Noninterest expense to average assets | 2.9394% | 926 |
| Loan and lease loss provision to assets | 0.0009% | 2,588 |
| Net operating income to assets | 0.5710% | 3,703 |
| Return on assets (ROA) | 0.6434% | 3,444 |
| Pretax return on assets | 0.6948% | 3,590 |
| Return on Equity (ROE) | 8.2467% | 2,954 |
| Retained earnings to average equity (ytd only) | 8.2467% | 1,532 |
| Net charge-offs to loans | 0.0074% | 1,722 |
| Credit loss provision to net charge-offs | 25.0000% | 1,585 |
| Earnings coverage of net charge-offs (x) | 168.5000% | 593 |
| Efficiency ratio | 82.6333% | 759 |
| Assets per employee ($millions) | 4.7619% | 3,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,359 |
| Loan loss allowance to noncurrent loans | 1,324.0741% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 3,484 |
| Noncurrent loans to loans | 0.0955% | 3,290 |
| Net loans and leases to total assets | 52.1170% | 3,138 |
| Net loans and leases to deposits | 55.8872% | 3,385 |
| Net loans and leases to core deposits | 59.1748% | 3,333 |
| Total domestic deposits to total assets | 93.2539% | 449 |
| Equity capital to assets | 6.5874% | 3,978 |
| Core capital (leverage) ratio | 9.7799% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,206,000 | 2,962 |
| Average earning assets | $202,024,000 | 2,978 |
| Average equity | $17,025,000 | 3,321 |
| Average total loans | $107,466,000 | 3,101 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0905% | 3,004 |
| Cost of funding earning assets | 0.1311% | 3,755 |
| Net interest margin | 2.9594% | 2,640 |
| Noninterest income to average assets | 0.7576% | 1,152 |
| Noninterest expense to average assets | 2.8851% | 987 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5683% | 3,498 |
| Return on assets (ROA) | 0.7104% | 3,002 |
| Pretax return on assets | 0.7740% | 3,190 |
| Return on Equity (ROE) | 8.4634% | 2,533 |
| Retained earnings to average equity (ytd only) | 8.4634% | 1,441 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3224% | 959 |
| Assets per employee ($millions) | 5.0690% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 2,186 |
| Loan loss allowance to noncurrent loans | 7,542.1053% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 3,987 |
| Noncurrent loans to loans | 0.0177% | 3,869 |
| Net loans and leases to total assets | 47.4137% | 3,448 |
| Net loans and leases to deposits | 51.4251% | 3,615 |
| Net loans and leases to core deposits | 54.3534% | 3,568 |
| Total domestic deposits to total assets | 92.1995% | 506 |
| Equity capital to assets | 7.5732% | 3,879 |
| Core capital (leverage) ratio | 9.4863% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,165,500 | 2,963 |
| Average earning assets | $204,366,000 | 2,972 |
| Average equity | $18,479,500 | 3,283 |
| Average total loans | $104,644,000 | 3,130 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2785% | 3,275 |
| Cost of funding earning assets | 0.1829% | 3,626 |
| Net interest margin | 3.0956% | 2,913 |
| Noninterest income to average assets | 0.4845% | 2,652 |
| Noninterest expense to average assets | 3.2190% | 707 |
| Loan and lease loss provision to assets | 0.0057% | 2,961 |
| Net operating income to assets | 0.1532% | 4,577 |
| Return on assets (ROA) | 0.3073% | 4,435 |
| Pretax return on assets | 0.2901% | 4,501 |
| Return on Equity (ROE) | 3.1271% | 4,339 |
| Retained earnings to average equity (ytd only) | 2.9177% | 3,669 |
| Net charge-offs to loans | -0.0744% | 4,484 |
| Credit loss provision to net charge-offs | -15.3846% | 3,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7835% | 202 |
| Assets per employee ($millions) | 4.9385% | 3,789 |
| Cash dividends to net income (ytd only)* | 6.6978% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4035% | 1,906 |
| Loan loss allowance to noncurrent loans | 17,912.5000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,144 |
| Noncurrent loans to loans | 0.0078% | 4,048 |
| Net loans and leases to total assets | 46.3299% | 3,660 |
| Net loans and leases to deposits | 51.1563% | 3,789 |
| Net loans and leases to core deposits | 54.3659% | 3,732 |
| Total domestic deposits to total assets | 90.5653% | 684 |
| Equity capital to assets | 9.2354% | 3,384 |
| Core capital (leverage) ratio | 9.4010% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,886,600 | 2,993 |
| Average earning assets | $194,081,200 | 3,003 |
| Average equity | $20,530,200 | 3,168 |
| Average total loans | $104,845,800 | 3,139 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3621% | 3,214 |
| Cost of funding earning assets | 0.1944% | 3,669 |
| Net interest margin | 3.1677% | 2,838 |
| Noninterest income to average assets | 0.4758% | 2,728 |
| Noninterest expense to average assets | 3.1949% | 718 |
| Loan and lease loss provision to assets | 0.0077% | 2,825 |
| Net operating income to assets | 0.1980% | 4,627 |
| Return on assets (ROA) | 0.2805% | 4,568 |
| Pretax return on assets | 0.3043% | 4,585 |
| Return on Equity (ROE) | 2.8092% | 4,486 |
| Retained earnings to average equity (ytd only) | 2.8092% | 3,962 |
| Net charge-offs to loans | -0.0985% | 4,608 |
| Credit loss provision to net charge-offs | -15.3846% | 3,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4906% | 239 |
| Assets per employee ($millions) | 5.1258% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 2,198 |
| Loan loss allowance to noncurrent loans | 2,204.6154% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,964 |
| Noncurrent loans to loans | 0.0615% | 3,790 |
| Net loans and leases to total assets | 48.4214% | 3,582 |
| Net loans and leases to deposits | 53.7490% | 3,762 |
| Net loans and leases to core deposits | 57.0881% | 3,697 |
| Total domestic deposits to total assets | 90.0880% | 738 |
| Equity capital to assets | 9.6653% | 3,227 |
| Core capital (leverage) ratio | 9.5842% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,784,750 | 3,046 |
| Average earning assets | $192,017,500 | 3,048 |
| Average equity | $20,645,750 | 3,198 |
| Average total loans | $105,531,000 | 3,174 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 2,984 |
| Cost of funding earning assets | 0.2112% | 3,643 |
| Net interest margin | 3.2562% | 2,594 |
| Noninterest income to average assets | 0.4874% | 2,681 |
| Noninterest expense to average assets | 3.2312% | 682 |
| Loan and lease loss provision to assets | 0.0010% | 2,850 |
| Net operating income to assets | 0.2586% | 4,574 |
| Return on assets (ROA) | 0.3854% | 4,451 |
| Pretax return on assets | 0.4158% | 4,488 |
| Return on Equity (ROE) | 3.8171% | 4,362 |
| Retained earnings to average equity (ytd only) | 3.8171% | 3,579 |
| Net charge-offs to loans | -0.1706% | 4,765 |
| Credit loss provision to net charge-offs | -1.1111% | 2,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0134% | 292 |
| Assets per employee ($millions) | 4.8352% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 2,096 |
| Loan loss allowance to noncurrent loans | 2,240.6250% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 4,052 |
| Noncurrent loans to loans | 0.0612% | 3,877 |
| Net loans and leases to total assets | 48.4420% | 3,684 |
| Net loans and leases to deposits | 53.7491% | 3,870 |
| Net loans and leases to core deposits | 57.0427% | 3,834 |
| Total domestic deposits to total assets | 90.1263% | 708 |
| Equity capital to assets | 9.6631% | 3,188 |
| Core capital (leverage) ratio | 9.7624% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,951,333 | 3,064 |
| Average earning assets | $189,424,000 | 3,072 |
| Average equity | $20,591,667 | 3,197 |
| Average total loans | $105,482,333 | 3,187 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6663% | 2,452 |
| Cost of funding earning assets | 0.2381% | 3,580 |
| Net interest margin | 3.4283% | 2,029 |
| Noninterest income to average assets | 0.5011% | 2,610 |
| Noninterest expense to average assets | 3.1631% | 756 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4805% | 4,211 |
| Return on assets (ROA) | 0.7397% | 3,671 |
| Pretax return on assets | 0.7918% | 3,829 |
| Return on Equity (ROE) | 7.1621% | 3,563 |
| Retained earnings to average equity (ytd only) | 7.1621% | 2,525 |
| Net charge-offs to loans | -0.3397% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0414% | 512 |
| Assets per employee ($millions) | 4.5825% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 2,115 |
| Loan loss allowance to noncurrent loans | 995.1389% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 3,248 |
| Noncurrent loans to loans | 0.1374% | 3,629 |
| Net loans and leases to total assets | 50.1302% | 3,610 |
| Net loans and leases to deposits | 55.6930% | 3,816 |
| Net loans and leases to core deposits | 58.7316% | 3,787 |
| Total domestic deposits to total assets | 90.0117% | 810 |
| Equity capital to assets | 9.7953% | 2,904 |
| Core capital (leverage) ratio | 10.3330% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,553,500 | 3,093 |
| Average earning assets | $184,816,500 | 3,095 |
| Average equity | $20,608,500 | 3,189 |
| Average total loans | $105,977,000 | 3,190 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 2,287 |
| Cost of funding earning assets | 0.4169% | 3,482 |
| Net interest margin | 3.7302% | 1,705 |
| Noninterest income to average assets | 0.5100% | 2,587 |
| Noninterest expense to average assets | 3.6342% | 578 |
| Loan and lease loss provision to assets | 0.0480% | 3,796 |
| Net operating income to assets | 0.2710% | 4,477 |
| Return on assets (ROA) | 0.3069% | 4,493 |
| Pretax return on assets | 0.2865% | 4,564 |
| Return on Equity (ROE) | 2.6801% | 4,444 |
| Retained earnings to average equity (ytd only) | 2.4729% | 3,619 |
| Net charge-offs to loans | -0.0236% | 4,468 |
| Credit loss provision to net charge-offs | -348.0000% | 3,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4070% | 307 |
| Assets per employee ($millions) | 4.1934% | 4,215 |
| Cash dividends to net income (ytd only)* | 7.7338% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,650 |
| Loan loss allowance to noncurrent loans | 86.3753% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.8067% | 1,265 |
| Noncurrent loans to loans | 1.4522% | 929 |
| Net loans and leases to total assets | 54.8498% | 3,405 |
| Net loans and leases to deposits | 61.7619% | 3,621 |
| Net loans and leases to core deposits | 66.0340% | 3,537 |
| Total domestic deposits to total assets | 88.8085% | 1,068 |
| Equity capital to assets | 10.8960% | 2,344 |
| Core capital (leverage) ratio | 10.5925% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,167,400 | 3,095 |
| Average earning assets | $166,239,000 | 3,108 |
| Average equity | $20,745,200 | 3,117 |
| Average total loans | $106,121,200 | 3,150 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 1,917 |
| Cost of funding earning assets | 0.4566% | 3,486 |
| Net interest margin | 3.9156% | 1,315 |
| Noninterest income to average assets | 0.4690% | 2,745 |
| Noninterest expense to average assets | 3.4545% | 752 |
| Loan and lease loss provision to assets | 0.0561% | 3,647 |
| Net operating income to assets | 0.5171% | 3,986 |
| Return on assets (ROA) | 0.5633% | 3,964 |
| Pretax return on assets | 0.5932% | 4,112 |
| Return on Equity (ROE) | 4.8555% | 3,933 |
| Retained earnings to average equity (ytd only) | 4.8555% | 2,629 |
| Net charge-offs to loans | -0.0327% | 4,557 |
| Credit loss provision to net charge-offs | -288.4615% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1872% | 549 |
| Assets per employee ($millions) | 3.9444% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,490 |
| Loan loss allowance to noncurrent loans | 120.1082% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 1,935 |
| Noncurrent loans to loans | 1.0252% | 1,460 |
| Net loans and leases to total assets | 57.6309% | 3,455 |
| Net loans and leases to deposits | 65.3661% | 3,668 |
| Net loans and leases to core deposits | 70.1034% | 3,620 |
| Total domestic deposits to total assets | 88.1662% | 1,139 |
| Equity capital to assets | 11.5214% | 1,991 |
| Core capital (leverage) ratio | 11.0343% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,235,250 | 3,106 |
| Average earning assets | $163,240,500 | 3,123 |
| Average equity | $20,677,000 | 3,123 |
| Average total loans | $105,864,750 | 3,158 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 1,475 |
| Cost of funding earning assets | 0.5042% | 3,509 |
| Net interest margin | 4.1664% | 989 |
| Noninterest income to average assets | 0.4890% | 2,614 |
| Noninterest expense to average assets | 3.4802% | 764 |
| Loan and lease loss provision to assets | 0.0648% | 3,481 |
| Net operating income to assets | 0.7368% | 3,253 |
| Return on assets (ROA) | 0.8052% | 3,145 |
| Pretax return on assets | 0.8302% | 3,508 |
| Return on Equity (ROE) | 6.9243% | 3,159 |
| Retained earnings to average equity (ytd only) | 6.9243% | 1,691 |
| Net charge-offs to loans | -0.0571% | 4,717 |
| Credit loss provision to net charge-offs | -190.0000% | 3,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8454% | 828 |
| Assets per employee ($millions) | 4.2641% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,479 |
| Loan loss allowance to noncurrent loans | 118.5252% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5927% | 2,035 |
| Noncurrent loans to loans | 1.0184% | 1,525 |
| Net loans and leases to total assets | 57.4952% | 3,555 |
| Net loans and leases to deposits | 65.0421% | 3,802 |
| Net loans and leases to core deposits | 69.6651% | 3,733 |
| Total domestic deposits to total assets | 88.3968% | 989 |
| Equity capital to assets | 11.3324% | 2,102 |
| Core capital (leverage) ratio | 11.2941% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,852,000 | 3,113 |
| Average earning assets | $161,051,000 | 3,123 |
| Average equity | $20,449,667 | 3,135 |
| Average total loans | $105,096,000 | 3,165 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4032% | 2,605 |
| Cost of funding earning assets | 0.5957% | 3,459 |
| Net interest margin | 3.8076% | 1,940 |
| Noninterest income to average assets | 0.4942% | 2,578 |
| Noninterest expense to average assets | 3.4548% | 1,003 |
| Loan and lease loss provision to assets | 0.0306% | 3,390 |
| Net operating income to assets | 0.4733% | 3,962 |
| Return on assets (ROA) | 0.6119% | 3,624 |
| Pretax return on assets | 0.6448% | 3,825 |
| Return on Equity (ROE) | 5.1887% | 3,572 |
| Retained earnings to average equity (ytd only) | 5.1887% | 2,199 |
| Net charge-offs to loans | -0.1126% | 4,842 |
| Credit loss provision to net charge-offs | -44.8276% | 3,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7100% | 653 |
| Assets per employee ($millions) | 3.8031% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 2,471 |
| Loan loss allowance to noncurrent loans | 125.6663% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 2,222 |
| Noncurrent loans to loans | 0.9839% | 1,679 |
| Net loans and leases to total assets | 59.4145% | 3,554 |
| Net loans and leases to deposits | 67.7451% | 3,742 |
| Net loans and leases to core deposits | 72.9541% | 3,699 |
| Total domestic deposits to total assets | 87.7031% | 1,228 |
| Equity capital to assets | 12.0171% | 2,053 |
| Core capital (leverage) ratio | 11.7606% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4243% | 1,249 |
| Memoranda: | ||
| Average total assets | $169,967,500 | 3,135 |
| Average earning assets | $155,795,000 | 3,139 |
| Average equity | $20,043,500 | 3,169 |
| Average total loans | $103,048,500 | 3,184 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 3,026 |
| Cost of funding earning assets | 0.7054% | 3,138 |
| Net interest margin | 3.7713% | 2,603 |
| Noninterest income to average assets | 0.4806% | 2,850 |
| Noninterest expense to average assets | 3.7084% | 757 |
| Loan and lease loss provision to assets | 0.0616% | 2,805 |
| Net operating income to assets | -0.0051% | 4,972 |
| Return on assets (ROA) | 0.0803% | 4,953 |
| Pretax return on assets | 0.2953% | 4,820 |
| Return on Equity (ROE) | 0.6771% | 4,948 |
| Retained earnings to average equity (ytd only) | 0.4582% | 4,556 |
| Net charge-offs to loans | 0.0109% | 3,305 |
| Credit loss provision to net charge-offs | 927.2727% | 371 |
| Earnings coverage of net charge-offs (x) | 37.4545% | 1,374 |
| Efficiency ratio | 93.7138% | 253 |
| Assets per employee ($millions) | 3.6695% | 4,293 |
| Cash dividends to net income (ytd only)* | 32.3308% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,468 |
| Loan loss allowance to noncurrent loans | 113.5609% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6422% | 1,977 |
| Noncurrent loans to loans | 1.0510% | 1,440 |
| Net loans and leases to total assets | 60.3756% | 3,552 |
| Net loans and leases to deposits | 68.5964% | 3,767 |
| Net loans and leases to core deposits | 74.1991% | 3,705 |
| Total domestic deposits to total assets | 88.0156% | 1,121 |
| Equity capital to assets | 11.5649% | 2,478 |
| Core capital (leverage) ratio | 11.4326% | 2,160 |
| Tier 1 risk-based capital ratio | 15.9088% | 2,437 |
| Total risk-based capital ratio | 16.9087% | 2,456 |
| Memoranda: | ||
| Average total assets | $165,622,200 | 3,148 |
| Average earning assets | $152,681,400 | 3,156 |
| Average equity | $19,642,400 | 3,166 |
| Average total loans | $100,959,000 | 3,214 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 3,187 |
| Cost of funding earning assets | 0.6954% | 3,243 |
| Net interest margin | 3.7614% | 2,714 |
| Noninterest income to average assets | 0.4506% | 3,014 |
| Noninterest expense to average assets | 3.5551% | 899 |
| Loan and lease loss provision to assets | 0.0655% | 2,579 |
| Net operating income to assets | 0.2587% | 4,891 |
| Return on assets (ROA) | 0.3818% | 4,775 |
| Pretax return on assets | 0.4489% | 4,753 |
| Return on Equity (ROE) | 3.1989% | 4,735 |
| Retained earnings to average equity (ytd only) | 3.1989% | 3,804 |
| Net charge-offs to loans | 0.0465% | 2,171 |
| Credit loss provision to net charge-offs | 231.4286% | 1,163 |
| Earnings coverage of net charge-offs (x) | 13.0559% | 2,319 |
| Efficiency ratio | 90.5812% | 306 |
| Assets per employee ($millions) | 3.5351% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 2,558 |
| Loan loss allowance to noncurrent loans | 113.7512% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 2,111 |
| Noncurrent loans to loans | 1.0461% | 1,531 |
| Net loans and leases to total assets | 59.5067% | 3,725 |
| Net loans and leases to deposits | 67.6325% | 3,945 |
| Net loans and leases to core deposits | 75.0496% | 3,760 |
| Total domestic deposits to total assets | 87.9854% | 1,039 |
| Equity capital to assets | 11.7400% | 2,470 |
| Core capital (leverage) ratio | 11.7702% | 2,030 |
| Tier 1 risk-based capital ratio | 16.6010% | 2,227 |
| Total risk-based capital ratio | 17.6114% | 2,245 |
| Memoranda: | ||
| Average total assets | $164,829,000 | 3,186 |
| Average earning assets | $152,243,000 | 3,191 |
| Average equity | $19,672,750 | 3,187 |
| Average total loans | $100,413,250 | 3,261 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 3,236 |
| Cost of funding earning assets | 0.6571% | 3,370 |
| Net interest margin | 3.7749% | 2,671 |
| Noninterest income to average assets | 0.4228% | 3,115 |
| Noninterest expense to average assets | 3.5010% | 958 |
| Loan and lease loss provision to assets | 0.0772% | 2,266 |
| Net operating income to assets | 0.2896% | 4,887 |
| Return on assets (ROA) | 0.4142% | 4,732 |
| Pretax return on assets | 0.4914% | 4,711 |
| Return on Equity (ROE) | 3.4507% | 4,694 |
| Retained earnings to average equity (ytd only) | 3.4507% | 3,510 |
| Net charge-offs to loans | 0.0441% | 2,018 |
| Credit loss provision to net charge-offs | 286.3636% | 933 |
| Earnings coverage of net charge-offs (x) | 15.5909% | 1,976 |
| Efficiency ratio | 89.2813% | 379 |
| Assets per employee ($millions) | 3.4560% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 2,738 |
| Loan loss allowance to noncurrent loans | 108.6099% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 2,036 |
| Noncurrent loans to loans | 1.0686% | 1,533 |
| Net loans and leases to total assets | 62.1716% | 3,527 |
| Net loans and leases to deposits | 70.7716% | 3,783 |
| Net loans and leases to core deposits | 78.5232% | 3,537 |
| Total domestic deposits to total assets | 87.8483% | 1,173 |
| Equity capital to assets | 11.9624% | 2,210 |
| Core capital (leverage) ratio | 11.9471% | 1,860 |
| Tier 1 risk-based capital ratio | 16.3857% | 2,280 |
| Total risk-based capital ratio | 17.3864% | 2,300 |
| Memoranda: | ||
| Average total assets | $163,210,330 | 3,219 |
| Average earning assets | $151,263,000 | 3,212 |
| Average equity | $19,590,000 | 3,188 |
| Average total loans | $99,821,000 | 3,286 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3644% | 3,361 |
| Cost of funding earning assets | 0.6019% | 3,561 |
| Net interest margin | 3.7625% | 2,662 |
| Noninterest income to average assets | 0.3904% | 3,256 |
| Noninterest expense to average assets | 3.4274% | 1,071 |
| Loan and lease loss provision to assets | 0.0395% | 2,836 |
| Net operating income to assets | 0.3805% | 4,766 |
| Return on assets (ROA) | 0.3805% | 4,778 |
| Pretax return on assets | 0.4300% | 4,800 |
| Return on Equity (ROE) | 3.1650% | 4,754 |
| Retained earnings to average equity (ytd only) | 3.1650% | 3,671 |
| Net charge-offs to loans | 0.0861% | 1,241 |
| Credit loss provision to net charge-offs | 76.1905% | 1,805 |
| Earnings coverage of net charge-offs (x) | 9.0476% | 2,052 |
| Efficiency ratio | 87.9518% | 485 |
| Assets per employee ($millions) | 3.4971% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 2,577 |
| Loan loss allowance to noncurrent loans | 978.9916% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 4,452 |
| Noncurrent loans to loans | 0.1225% | 4,194 |
| Net loans and leases to total assets | 58.3703% | 3,844 |
| Net loans and leases to deposits | 66.4163% | 4,021 |
| Net loans and leases to core deposits | 72.6056% | 3,905 |
| Total domestic deposits to total assets | 87.8856% | 1,398 |
| Equity capital to assets | 11.9331% | 2,066 |
| Core capital (leverage) ratio | 12.1060% | 1,706 |
| Tier 1 risk-based capital ratio | 17.2791% | 2,024 |
| Total risk-based capital ratio | 18.3038% | 2,034 |
| Memoranda: | ||
| Average total assets | $161,872,500 | 3,276 |
| Average earning assets | $150,857,500 | 3,260 |
| Average equity | $19,463,000 | 3,203 |
| Average total loans | $97,559,000 | 3,358 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 3,591 |
| Cost of funding earning assets | 0.4564% | 3,638 |
| Net interest margin | 3.6913% | 3,069 |
| Noninterest income to average assets | 0.4655% | 3,020 |
| Noninterest expense to average assets | 3.5045% | 991 |
| Loan and lease loss provision to assets | 0.0006% | 4,079 |
| Net operating income to assets | 0.4064% | 4,851 |
| Return on assets (ROA) | 0.3493% | 4,943 |
| Pretax return on assets | 0.3876% | 4,944 |
| Return on Equity (ROE) | 2.9288% | 4,912 |
| Retained earnings to average equity (ytd only) | 2.7023% | 4,050 |
| Net charge-offs to loans | 0.0021% | 3,668 |
| Credit loss provision to net charge-offs | 50.0000% | 3,186 |
| Earnings coverage of net charge-offs (x) | 359.5000% | 287 |
| Efficiency ratio | 88.5819% | 404 |
| Assets per employee ($millions) | 3.4648% | 4,587 |
| Cash dividends to net income (ytd only)* | 7.7338% | 3,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 2,609 |
| Loan loss allowance to noncurrent loans | 2,487.2340% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 4,715 |
| Noncurrent loans to loans | 0.0480% | 4,528 |
| Net loans and leases to total assets | 60.7627% | 3,689 |
| Net loans and leases to deposits | 69.2621% | 3,881 |
| Net loans and leases to core deposits | 73.2051% | 3,909 |
| Total domestic deposits to total assets | 87.7286% | 1,434 |
| Equity capital to assets | 12.1170% | 1,808 |
| Core capital (leverage) ratio | 12.1662% | 1,631 |
| Tier 1 risk-based capital ratio | 17.1490% | 2,012 |
| Total risk-based capital ratio | 18.1801% | 2,040 |
| Memoranda: | ||
| Average total assets | $159,167,000 | 3,293 |
| Average earning assets | $150,518,000 | 3,237 |
| Average equity | $18,983,800 | 3,185 |
| Average total loans | $94,098,600 | 3,406 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 3,804 |
| Cost of funding earning assets | 0.4255% | 3,690 |
| Net interest margin | 3.6189% | 3,304 |
| Noninterest income to average assets | 0.4709% | 3,037 |
| Noninterest expense to average assets | 3.3476% | 1,205 |
| Loan and lease loss provision to assets | 0.0008% | 3,939 |
| Net operating income to assets | 0.5069% | 4,747 |
| Return on assets (ROA) | 0.4290% | 4,908 |
| Pretax return on assets | 0.4659% | 4,949 |
| Return on Equity (ROE) | 3.6116% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.6116% | 3,962 |
| Net charge-offs to loans | 0.0329% | 2,426 |
| Credit loss provision to net charge-offs | 4.3478% | 3,075 |
| Earnings coverage of net charge-offs (x) | 28.6048% | 1,657 |
| Efficiency ratio | 85.8586% | 526 |
| Assets per employee ($millions) | 3.5426% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 57.3245% | 4,103 |
| Net loans and leases to deposits | 65.0362% | 4,271 |
| Net loans and leases to core deposits | 70.1954% | 4,183 |
| Total domestic deposits to total assets | 88.1425% | 1,180 |
| Equity capital to assets | 11.7415% | 2,074 |
| Core capital (leverage) ratio | 12.1090% | 1,717 |
| Tier 1 risk-based capital ratio | 17.5540% | 1,907 |
| Total risk-based capital ratio | 18.5914% | 1,935 |
| Memoranda: | ||
| Average total assets | $159,114,000 | 3,317 |
| Average earning assets | $150,722,000 | 3,264 |
| Average equity | $18,901,750 | 3,213 |
| Average total loans | $93,120,250 | 3,448 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 3,984 |
| Cost of funding earning assets | 0.3914% | 3,796 |
| Net interest margin | 3.5429% | 3,491 |
| Noninterest income to average assets | 0.4739% | 3,012 |
| Noninterest expense to average assets | 3.3770% | 1,165 |
| Loan and lease loss provision to assets | 0.0038% | 3,740 |
| Net operating income to assets | 0.4004% | 4,961 |
| Return on assets (ROA) | 0.4004% | 4,967 |
| Pretax return on assets | 0.4536% | 4,983 |
| Return on Equity (ROE) | 3.3574% | 4,956 |
| Retained earnings to average equity (ytd only) | 3.3574% | 3,900 |
| Net charge-offs to loans | 0.0022% | 3,129 |
| Credit loss provision to net charge-offs | 300.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 255 |
| Efficiency ratio | 88.0701% | 462 |
| Assets per employee ($millions) | 3.7064% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,615 |
| Loan loss allowance to noncurrent loans | 9,023.0769% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 4,352 |
| Noncurrent loans to loans | 0.0135% | 4,885 |
| Net loans and leases to total assets | 59.6995% | 3,836 |
| Net loans and leases to deposits | 67.8451% | 4,030 |
| Net loans and leases to core deposits | 73.3235% | 3,924 |
| Total domestic deposits to total assets | 87.9937% | 1,386 |
| Equity capital to assets | 11.8984% | 1,925 |
| Core capital (leverage) ratio | 12.0321% | 1,693 |
| Tier 1 risk-based capital ratio | 17.0532% | 2,085 |
| Total risk-based capital ratio | 18.0926% | 2,102 |
| Memoranda: | ||
| Average total assets | $157,832,000 | 3,348 |
| Average earning assets | $149,708,330 | 3,298 |
| Average equity | $18,824,330 | 3,240 |
| Average total loans | $92,638,670 | 3,468 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8036% | 4,208 |
| Cost of funding earning assets | 0.3675% | 3,851 |
| Net interest margin | 3.4361% | 3,753 |
| Noninterest income to average assets | 0.4228% | 3,293 |
| Noninterest expense to average assets | 3.3337% | 1,283 |
| Loan and lease loss provision to assets | 0.0025% | 3,487 |
| Net operating income to assets | 0.2547% | 5,170 |
| Return on assets (ROA) | 0.2547% | 5,171 |
| Pretax return on assets | 0.3489% | 5,105 |
| Return on Equity (ROE) | 2.1328% | 5,161 |
| Retained earnings to average equity (ytd only) | 2.1328% | 4,312 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4630% | 422 |
| Assets per employee ($millions) | 3.7075% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 2,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 4,076 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 54.0115% | 4,282 |
| Net loans and leases to deposits | 61.1370% | 4,387 |
| Net loans and leases to core deposits | 66.0416% | 4,303 |
| Total domestic deposits to total assets | 88.3450% | 1,429 |
| Equity capital to assets | 11.5097% | 2,124 |
| Core capital (leverage) ratio | 12.1383% | 1,564 |
| Tier 1 risk-based capital ratio | 18.6911% | 1,635 |
| Total risk-based capital ratio | 19.8414% | 1,633 |
| Memoranda: | ||
| Average total assets | $157,060,500 | 3,395 |
| Average earning assets | $149,120,500 | 3,342 |
| Average equity | $18,755,000 | 3,278 |
| Average total loans | $90,798,500 | 3,525 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8729% | 3,810 |
| Cost of funding earning assets | 0.2613% | 4,471 |
| Net interest margin | 3.6116% | 3,131 |
| Noninterest income to average assets | 0.4598% | 3,245 |
| Noninterest expense to average assets | 3.3589% | 1,269 |
| Loan and lease loss provision to assets | 0.0209% | 3,882 |
| Net operating income to assets | 0.3742% | 4,773 |
| Return on assets (ROA) | 0.3742% | 4,788 |
| Pretax return on assets | 0.4971% | 4,935 |
| Return on Equity (ROE) | 3.0851% | 4,801 |
| Retained earnings to average equity (ytd only) | 2.8423% | 3,612 |
| Net charge-offs to loans | -0.0334% | 5,082 |
| Credit loss provision to net charge-offs | -103.2258% | 4,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6374% | 607 |
| Assets per employee ($millions) | 3.2125% | 5,019 |
| Cash dividends to net income (ytd only)* | 7.8671% | 3,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 2,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 4,049 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 60.3653% | 3,795 |
| Net loans and leases to deposits | 68.9500% | 3,952 |
| Net loans and leases to core deposits | 72.6220% | 4,000 |
| Total domestic deposits to total assets | 87.5494% | 1,735 |
| Equity capital to assets | 12.4075% | 1,571 |
| Core capital (leverage) ratio | 12.2794% | 1,460 |
| Tier 1 risk-based capital ratio | 18.5001% | 1,654 |
| Total risk-based capital ratio | 19.6463% | 1,636 |
| Memoranda: | ||
| Average total assets | $152,876,800 | 3,432 |
| Average earning assets | $144,647,000 | 3,391 |
| Average equity | $18,541,000 | 3,292 |
| Average total loans | $92,738,600 | 3,474 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 3,882 |
| Cost of funding earning assets | 0.2464% | 4,597 |
| Net interest margin | 3.5908% | 3,187 |
| Noninterest income to average assets | 0.4382% | 3,416 |
| Noninterest expense to average assets | 3.1866% | 1,588 |
| Loan and lease loss provision to assets | 0.0287% | 3,553 |
| Net operating income to assets | 0.4573% | 4,861 |
| Return on assets (ROA) | 0.4573% | 4,893 |
| Pretax return on assets | 0.6191% | 4,806 |
| Return on Equity (ROE) | 3.7924% | 4,921 |
| Retained earnings to average equity (ytd only) | 3.7924% | 3,663 |
| Net charge-offs to loans | -0.0144% | 4,749 |
| Credit loss provision to net charge-offs | -330.0000% | 4,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1066% | 830 |
| Assets per employee ($millions) | 3.1856% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 2,570 |
| Loan loss allowance to noncurrent loans | 177.7778% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 2,593 |
| Noncurrent loans to loans | 0.7095% | 2,583 |
| Net loans and leases to total assets | 58.9770% | 3,966 |
| Net loans and leases to deposits | 67.2890% | 4,162 |
| Net loans and leases to core deposits | 71.1283% | 4,179 |
| Total domestic deposits to total assets | 87.6474% | 1,548 |
| Equity capital to assets | 12.2846% | 1,784 |
| Core capital (leverage) ratio | 12.4167% | 1,449 |
| Tier 1 risk-based capital ratio | 18.3599% | 1,768 |
| Total risk-based capital ratio | 19.4791% | 1,757 |
| Memoranda: | ||
| Average total assets | $153,348,750 | 3,458 |
| Average earning assets | $145,031,750 | 3,410 |
| Average equity | $18,492,750 | 3,331 |
| Average total loans | $92,844,250 | 3,504 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8514% | 3,713 |
| Cost of funding earning assets | 0.2439% | 4,599 |
| Net interest margin | 3.6075% | 3,006 |
| Noninterest income to average assets | 0.4443% | 3,391 |
| Noninterest expense to average assets | 3.1558% | 1,688 |
| Loan and lease loss provision to assets | 0.0391% | 3,233 |
| Net operating income to assets | 0.4691% | 4,795 |
| Return on assets (ROA) | 0.4691% | 4,820 |
| Pretax return on assets | 0.6606% | 4,657 |
| Return on Equity (ROE) | 3.9140% | 4,848 |
| Retained earnings to average equity (ytd only) | 3.9140% | 3,369 |
| Net charge-offs to loans | -0.0086% | 4,484 |
| Credit loss provision to net charge-offs | -750.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8520% | 1,022 |
| Assets per employee ($millions) | 3.3243% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 2,758 |
| Loan loss allowance to noncurrent loans | 752.6316% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 3,867 |
| Noncurrent loans to loans | 0.1647% | 4,457 |
| Net loans and leases to total assets | 59.6104% | 3,875 |
| Net loans and leases to deposits | 67.9794% | 4,075 |
| Net loans and leases to core deposits | 71.8758% | 4,100 |
| Total domestic deposits to total assets | 87.6888% | 1,624 |
| Equity capital to assets | 12.1771% | 1,808 |
| Core capital (leverage) ratio | 12.0712% | 1,590 |
| Tier 1 risk-based capital ratio | 18.5388% | 1,707 |
| Total risk-based capital ratio | 19.6710% | 1,700 |
| Memoranda: | ||
| Average total assets | $153,496,000 | 3,472 |
| Average earning assets | $145,141,000 | 3,430 |
| Average equity | $18,395,330 | 3,346 |
| Average total loans | $93,348,330 | 3,505 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 3,573 |
| Cost of funding earning assets | 0.2331% | 4,688 |
| Net interest margin | 3.6200% | 2,817 |
| Noninterest income to average assets | 0.4188% | 3,528 |
| Noninterest expense to average assets | 3.1629% | 1,710 |
| Loan and lease loss provision to assets | 0.0442% | 2,913 |
| Net operating income to assets | 0.5514% | 4,372 |
| Return on assets (ROA) | 0.5514% | 4,416 |
| Pretax return on assets | 0.6451% | 4,610 |
| Return on Equity (ROE) | 4.6383% | 4,546 |
| Retained earnings to average equity (ytd only) | 4.6383% | 3,094 |
| Net charge-offs to loans | 0.0043% | 2,826 |
| Credit loss provision to net charge-offs | 1,700.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 265.0000% | 219 |
| Efficiency ratio | 82.1067% | 1,148 |
| Assets per employee ($millions) | 3.3774% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 3,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 4,380 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 59.2945% | 3,858 |
| Net loans and leases to deposits | 67.4057% | 4,051 |
| Net loans and leases to core deposits | 71.0495% | 4,068 |
| Total domestic deposits to total assets | 87.9667% | 1,737 |
| Equity capital to assets | 11.8531% | 1,940 |
| Core capital (leverage) ratio | 12.0389% | 1,602 |
| Tier 1 risk-based capital ratio | 18.5481% | 1,731 |
| Total risk-based capital ratio | 19.6699% | 1,719 |
| Memoranda: | ||
| Average total assets | $153,785,000 | 3,506 |
| Average earning assets | $145,855,500 | 3,451 |
| Average equity | $18,282,500 | 3,379 |
| Average total loans | $93,873,000 | 3,516 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 3,856 |
| Cost of funding earning assets | 0.2160% | 4,875 |
| Net interest margin | 3.5985% | 3,070 |
| Noninterest income to average assets | 0.5487% | 2,923 |
| Noninterest expense to average assets | 3.2545% | 1,677 |
| Loan and lease loss provision to assets | 0.1648% | 1,494 |
| Net operating income to assets | 0.3852% | 4,995 |
| Return on assets (ROA) | 0.3852% | 5,077 |
| Pretax return on assets | 0.5368% | 4,954 |
| Return on Equity (ROE) | 3.2264% | 5,095 |
| Retained earnings to average equity (ytd only) | 2.9769% | 3,782 |
| Net charge-offs to loans | 0.2196% | 1,258 |
| Credit loss provision to net charge-offs | 122.0588% | 2,178 |
| Earnings coverage of net charge-offs (x) | 5.1961% | 3,374 |
| Efficiency ratio | 82.2654% | 1,175 |
| Assets per employee ($millions) | 3.3089% | 5,027 |
| Cash dividends to net income (ytd only)* | 7.7320% | 4,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 3,294 |
| Loan loss allowance to noncurrent loans | 314.7727% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 3,473 |
| Noncurrent loans to loans | 0.3725% | 3,789 |
| Net loans and leases to total assets | 61.3586% | 3,674 |
| Net loans and leases to deposits | 69.7178% | 3,936 |
| Net loans and leases to core deposits | 73.0234% | 4,009 |
| Total domestic deposits to total assets | 88.0100% | 1,625 |
| Equity capital to assets | 11.9243% | 1,861 |
| Core capital (leverage) ratio | 12.0964% | 1,542 |
| Tier 1 risk-based capital ratio | 18.5398% | 1,716 |
| Total risk-based capital ratio | 19.6596% | 1,717 |
| Memoranda: | ||
| Average total assets | $151,084,000 | 3,506 |
| Average earning assets | $143,058,800 | 3,466 |
| Average equity | $18,038,800 | 3,400 |
| Average total loans | $92,914,400 | 3,520 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8263% | 3,846 |
| Cost of funding earning assets | 0.2121% | 4,956 |
| Net interest margin | 3.6143% | 3,017 |
| Noninterest income to average assets | 0.5694% | 2,818 |
| Noninterest expense to average assets | 3.2678% | 1,634 |
| Loan and lease loss provision to assets | 0.2219% | 927 |
| Net operating income to assets | 0.3643% | 5,132 |
| Return on assets (ROA) | 0.3643% | 5,214 |
| Pretax return on assets | 0.5004% | 5,123 |
| Return on Equity (ROE) | 3.0499% | 5,204 |
| Retained earnings to average equity (ytd only) | 3.0499% | 4,083 |
| Net charge-offs to loans | 0.3243% | 712 |
| Credit loss provision to net charge-offs | 111.5556% | 2,207 |
| Earnings coverage of net charge-offs (x) | 3.6312% | 3,381 |
| Efficiency ratio | 81.8967% | 1,204 |
| Assets per employee ($millions) | 3.2238% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 3,395 |
| Loan loss allowance to noncurrent loans | 243.3036% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5233% | 3,362 |
| Noncurrent loans to loans | 0.4833% | 3,558 |
| Net loans and leases to total assets | 61.7693% | 3,660 |
| Net loans and leases to deposits | 70.5825% | 3,929 |
| Net loans and leases to core deposits | 74.0398% | 3,999 |
| Total domestic deposits to total assets | 87.5136% | 1,656 |
| Equity capital to assets | 12.2821% | 1,909 |
| Core capital (leverage) ratio | 12.0716% | 1,626 |
| Tier 1 risk-based capital ratio | 18.9713% | 1,676 |
| Total risk-based capital ratio | 20.1067% | 1,667 |
| Memoranda: | ||
| Average total assets | $150,802,500 | 3,525 |
| Average earning assets | $142,726,500 | 3,478 |
| Average equity | $18,011,000 | 3,431 |
| Average total loans | $92,517,500 | 3,538 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 4,011 |
| Cost of funding earning assets | 0.2048% | 5,095 |
| Net interest margin | 3.5785% | 3,178 |
| Noninterest income to average assets | 0.5975% | 2,632 |
| Noninterest expense to average assets | 3.2419% | 1,710 |
| Loan and lease loss provision to assets | 0.3284% | 510 |
| Net operating income to assets | 0.3126% | 5,286 |
| Return on assets (ROA) | 0.3126% | 5,378 |
| Pretax return on assets | 0.4155% | 5,320 |
| Return on Equity (ROE) | 2.6417% | 5,352 |
| Retained earnings to average equity (ytd only) | 2.6417% | 4,216 |
| Net charge-offs to loans | 0.4889% | 448 |
| Credit loss provision to net charge-offs | 110.1770% | 1,959 |
| Earnings coverage of net charge-offs (x) | 2.4956% | 3,264 |
| Efficiency ratio | 81.3369% | 1,346 |
| Assets per employee ($millions) | 3.3533% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 3,674 |
| Loan loss allowance to noncurrent loans | 242.4107% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 3,561 |
| Noncurrent loans to loans | 0.4731% | 3,666 |
| Net loans and leases to total assets | 59.3985% | 3,965 |
| Net loans and leases to deposits | 67.1749% | 4,249 |
| Net loans and leases to core deposits | 70.2536% | 4,305 |
| Total domestic deposits to total assets | 88.4236% | 1,214 |
| Equity capital to assets | 11.4552% | 2,596 |
| Core capital (leverage) ratio | 12.1549% | 1,538 |
| Tier 1 risk-based capital ratio | 18.1680% | 1,882 |
| Total risk-based capital ratio | 19.2604% | 1,894 |
| Memoranda: | ||
| Average total assets | $151,637,670 | 3,537 |
| Average earning assets | $143,580,330 | 3,484 |
| Average equity | $17,943,330 | 3,447 |
| Average total loans | $92,459,330 | 3,555 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7746% | 4,046 |
| Cost of funding earning assets | 0.2018% | 5,186 |
| Net interest margin | 3.5727% | 3,197 |
| Noninterest income to average assets | 0.4521% | 3,467 |
| Noninterest expense to average assets | 3.1886% | 1,860 |
| Loan and lease loss provision to assets | 0.0323% | 3,230 |
| Net operating income to assets | 0.4359% | 4,877 |
| Return on assets (ROA) | 0.4359% | 4,960 |
| Pretax return on assets | 0.6135% | 4,778 |
| Return on Equity (ROE) | 3.6225% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.6225% | 3,681 |
| Net charge-offs to loans | 0.0438% | 2,131 |
| Credit loss provision to net charge-offs | 120.0000% | 1,442 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,345 |
| Efficiency ratio | 83.1579% | 1,241 |
| Assets per employee ($millions) | 3.2260% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 3,925 |
| Loan loss allowance to noncurrent loans | 101.6221% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.0126% | 2,183 |
| Noncurrent loans to loans | 1.1052% | 2,191 |
| Net loans and leases to total assets | 64.5850% | 3,165 |
| Net loans and leases to deposits | 73.8589% | 3,451 |
| Net loans and leases to core deposits | 77.5898% | 3,533 |
| Total domestic deposits to total assets | 87.4437% | 1,964 |
| Equity capital to assets | 12.3779% | 1,765 |
| Core capital (leverage) ratio | 12.3673% | 1,398 |
| Tier 1 risk-based capital ratio | 17.5679% | 2,102 |
| Total risk-based capital ratio | 18.6100% | 2,140 |
| Memoranda: | ||
| Average total assets | $148,654,000 | 3,602 |
| Average earning assets | $140,732,000 | 3,547 |
| Average equity | $17,888,000 | 3,456 |
| Average total loans | $91,338,500 | 3,588 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4894% | 4,947 |
| Cost of funding earning assets | 0.1840% | 5,411 |
| Net interest margin | 3.3054% | 4,282 |
| Noninterest income to average assets | 0.4908% | 3,385 |
| Noninterest expense to average assets | 3.0655% | 2,335 |
| Loan and lease loss provision to assets | 0.0007% | 4,372 |
| Net operating income to assets | 0.3792% | 5,111 |
| Return on assets (ROA) | 0.3843% | 5,182 |
| Pretax return on assets | 0.5451% | 5,003 |
| Return on Equity (ROE) | 3.2913% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.2913% | 3,703 |
| Net charge-offs to loans | 0.0219% | 3,826 |
| Credit loss provision to net charge-offs | 5.2632% | 3,857 |
| Earnings coverage of net charge-offs (x) | 42.8421% | 1,112 |
| Efficiency ratio | 85.0587% | 1,085 |
| Assets per employee ($millions) | 3.2380% | 5,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 3,420 |
| Loan loss allowance to noncurrent loans | 207.6172% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 3,226 |
| Noncurrent loans to loans | 0.5828% | 3,425 |
| Net loans and leases to total assets | 57.0303% | 4,197 |
| Net loans and leases to deposits | 64.7583% | 4,416 |
| Net loans and leases to core deposits | 67.8468% | 4,458 |
| Total domestic deposits to total assets | 88.0664% | 1,595 |
| Equity capital to assets | 11.7312% | 2,169 |
| Core capital (leverage) ratio | 11.6080% | 1,886 |
| Tier 1 risk-based capital ratio | 18.5998% | 1,807 |
| Total risk-based capital ratio | 18.7079% | 2,090 |
| Memoranda: | ||
| Average total assets | $151,166,600 | 3,552 |
| Average earning assets | $142,374,800 | 3,509 |
| Average equity | $17,652,600 | 3,435 |
| Average total loans | $86,629,000 | 3,660 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4684% | 5,052 |
| Cost of funding earning assets | 0.1776% | 5,575 |
| Net interest margin | 3.2909% | 4,394 |
| Noninterest income to average assets | 0.5133% | 3,273 |
| Noninterest expense to average assets | 2.9889% | 2,558 |
| Loan and lease loss provision to assets | -0.0009% | 5,780 |
| Net operating income to assets | 0.4447% | 4,990 |
| Return on assets (ROA) | 0.4479% | 5,063 |
| Pretax return on assets | 0.6246% | 4,910 |
| Return on Equity (ROE) | 3.8402% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.8402% | 3,739 |
| Net charge-offs to loans | 0.0664% | 2,621 |
| Credit loss provision to net charge-offs | -2.3256% | 4,809 |
| Earnings coverage of net charge-offs (x) | 16.3028% | 2,125 |
| Efficiency ratio | 82.8355% | 1,289 |
| Assets per employee ($millions) | 3.0488% | 5,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 3,722 |
| Loan loss allowance to noncurrent loans | 1,081.2500% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 4,342 |
| Noncurrent loans to loans | 0.1099% | 5,192 |
| Net loans and leases to total assets | 58.9780% | 4,014 |
| Net loans and leases to deposits | 67.3642% | 4,252 |
| Net loans and leases to core deposits | 70.7312% | 4,303 |
| Total domestic deposits to total assets | 87.5510% | 1,777 |
| Equity capital to assets | 12.2133% | 1,945 |
| Core capital (leverage) ratio | 12.1982% | 1,567 |
| Tier 1 risk-based capital ratio | 18.9672% | 1,781 |
| Total risk-based capital ratio | 19.3546% | 1,965 |
| Memoranda: | ||
| Average total assets | $150,912,250 | 3,585 |
| Average earning assets | $141,923,500 | 3,542 |
| Average equity | $17,602,500 | 3,465 |
| Average total loans | $86,322,750 | 3,709 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3915% | 5,251 |
| Cost of funding earning assets | 0.1703% | 5,690 |
| Net interest margin | 3.2212% | 4,598 |
| Noninterest income to average assets | 0.5012% | 3,368 |
| Noninterest expense to average assets | 3.0085% | 2,529 |
| Loan and lease loss provision to assets | -0.0026% | 5,933 |
| Net operating income to assets | 0.3842% | 5,190 |
| Return on assets (ROA) | 0.3870% | 5,284 |
| Pretax return on assets | 0.5274% | 5,154 |
| Return on Equity (ROE) | 3.3691% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.3691% | 3,893 |
| Net charge-offs to loans | 0.0977% | 2,037 |
| Credit loss provision to net charge-offs | -4.7619% | 4,672 |
| Earnings coverage of net charge-offs (x) | 9.4524% | 2,450 |
| Efficiency ratio | 85.2416% | 1,124 |
| Assets per employee ($millions) | 3.2674% | 5,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 3,686 |
| Loan loss allowance to noncurrent loans | 250.1205% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 3,784 |
| Noncurrent loans to loans | 0.4866% | 4,018 |
| Net loans and leases to total assets | 54.8629% | 4,471 |
| Net loans and leases to deposits | 62.0991% | 4,698 |
| Net loans and leases to core deposits | 65.0206% | 4,727 |
| Total domestic deposits to total assets | 88.3473% | 1,470 |
| Equity capital to assets | 11.4886% | 2,423 |
| Core capital (leverage) ratio | 11.7385% | 1,814 |
| Tier 1 risk-based capital ratio | 19.5666% | 1,652 |
| Total risk-based capital ratio | 20.7178% | 1,646 |
| Memoranda: | ||
| Average total assets | $152,436,000 | 3,591 |
| Average earning assets | $143,299,670 | 3,551 |
| Average equity | $17,512,330 | 3,495 |
| Average total loans | $85,981,330 | 3,733 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3347% | 5,361 |
| Cost of funding earning assets | 0.1705% | 5,766 |
| Net interest margin | 3.1642% | 4,741 |
| Noninterest income to average assets | 0.5689% | 2,842 |
| Noninterest expense to average assets | 2.9051% | 2,890 |
| Loan and lease loss provision to assets | -0.0026% | 6,077 |
| Net operating income to assets | 0.4767% | 4,776 |
| Return on assets (ROA) | 0.4767% | 4,894 |
| Pretax return on assets | 0.6479% | 4,771 |
| Return on Equity (ROE) | 4.1497% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.1497% | 3,516 |
| Net charge-offs to loans | 0.1992% | 1,136 |
| Credit loss provision to net charge-offs | -2.3256% | 4,279 |
| Earnings coverage of net charge-offs (x) | 5.6977% | 2,364 |
| Efficiency ratio | 81.8249% | 1,641 |
| Assets per employee ($millions) | 3.0664% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 3,861 |
| Loan loss allowance to noncurrent loans | 710.9589% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 4,466 |
| Noncurrent loans to loans | 0.1712% | 5,155 |
| Net loans and leases to total assets | 57.2375% | 4,060 |
| Net loans and leases to deposits | 65.1089% | 4,257 |
| Net loans and leases to core deposits | 69.1695% | 4,231 |
| Total domestic deposits to total assets | 87.9105% | 1,880 |
| Equity capital to assets | 11.9054% | 2,099 |
| Core capital (leverage) ratio | 11.4732% | 2,016 |
| Tier 1 risk-based capital ratio | 22.3854% | 1,183 |
| Total risk-based capital ratio | 22.3854% | 1,370 |
| Memoranda: | ||
| Average total assets | $151,869,000 | 3,625 |
| Average earning assets | $143,103,000 | 3,576 |
| Average equity | $17,447,000 | 3,528 |
| Average total loans | $86,326,500 | 3,746 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4235% | 5,479 |
| Cost of funding earning assets | 0.1792% | 5,915 |
| Net interest margin | 3.2443% | 4,777 |
| Noninterest income to average assets | 0.5843% | 2,955 |
| Noninterest expense to average assets | 3.1349% | 2,405 |
| Loan and lease loss provision to assets | 0.4788% | 327 |
| Net operating income to assets | 0.0670% | 5,997 |
| Return on assets (ROA) | 0.0670% | 6,025 |
| Pretax return on assets | 0.0086% | 6,086 |
| Return on Equity (ROE) | 0.5858% | 6,025 |
| Retained earnings to average equity (ytd only) | 0.5858% | 5,509 |
| Net charge-offs to loans | 0.7727% | 461 |
| Credit loss provision to net charge-offs | 113.1661% | 2,099 |
| Earnings coverage of net charge-offs (x) | 1.1520% | 4,491 |
| Efficiency ratio | 86.5434% | 1,115 |
| Assets per employee ($millions) | 3.3309% | 5,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 3,776 |
| Loan loss allowance to noncurrent loans | 96.5210% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 0.9888% | 2,778 |
| Noncurrent loans to loans | 1.2830% | 2,310 |
| Net loans and leases to total assets | 55.1174% | 4,437 |
| Net loans and leases to deposits | 62.0907% | 4,719 |
| Net loans and leases to core deposits | 65.8576% | 4,681 |
| Total domestic deposits to total assets | 88.7693% | 1,374 |
| Equity capital to assets | 11.0959% | 2,812 |
| Core capital (leverage) ratio | 11.2750% | 2,161 |
| Tier 1 risk-based capital ratio | 20.1054% | 1,578 |
| Total risk-based capital ratio | 21.3517% | 1,548 |
| Memoranda: | ||
| Average total assets | $150,785,000 | 3,623 |
| Average earning assets | $141,199,800 | 3,583 |
| Average equity | $17,241,400 | 3,493 |
| Average total loans | $82,564,200 | 3,804 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4165% | 5,561 |
| Cost of funding earning assets | 0.1814% | 5,985 |
| Net interest margin | 3.2351% | 4,833 |
| Noninterest income to average assets | 0.4633% | 3,786 |
| Noninterest expense to average assets | 3.1479% | 2,327 |
| Loan and lease loss provision to assets | 0.3312% | 551 |
| Net operating income to assets | 0.0491% | 6,089 |
| Return on assets (ROA) | 0.0491% | 6,116 |
| Pretax return on assets | 0.0089% | 6,137 |
| Return on Equity (ROE) | 0.4261% | 6,113 |
| Retained earnings to average equity (ytd only) | 0.4261% | 5,683 |
| Net charge-offs to loans | 0.4867% | 804 |
| Credit loss provision to net charge-offs | 124.9158% | 1,844 |
| Earnings coverage of net charge-offs (x) | 1.2828% | 4,192 |
| Efficiency ratio | 90.2483% | 830 |
| Assets per employee ($millions) | 3.0654% | 5,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 3,898 |
| Loan loss allowance to noncurrent loans | 30.2057% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 2.4939% | 1,061 |
| Noncurrent loans to loans | 4.1608% | 492 |
| Net loans and leases to total assets | 56.0720% | 4,324 |
| Net loans and leases to deposits | 63.5092% | 4,592 |
| Net loans and leases to core deposits | 67.5554% | 4,550 |
| Total domestic deposits to total assets | 88.2895% | 1,610 |
| Equity capital to assets | 11.5308% | 2,452 |
| Core capital (leverage) ratio | 11.6498% | 1,939 |
| Tier 1 risk-based capital ratio | 20.1934% | 1,622 |
| Total risk-based capital ratio | 21.4380% | 1,586 |
| Memoranda: | ||
| Average total assets | $149,343,000 | 3,668 |
| Average earning assets | $139,633,000 | 3,637 |
| Average equity | $17,209,000 | 3,513 |
| Average total loans | $81,362,750 | 3,865 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4002% | 5,617 |
| Cost of funding earning assets | 0.1787% | 6,078 |
| Net interest margin | 3.2215% | 4,866 |
| Noninterest income to average assets | 0.4575% | 3,810 |
| Noninterest expense to average assets | 3.1881% | 2,232 |
| Loan and lease loss provision to assets | 0.4710% | 326 |
| Net operating income to assets | -0.0362% | 6,210 |
| Return on assets (ROA) | -0.0362% | 6,227 |
| Pretax return on assets | -0.1785% | 6,301 |
| Return on Equity (ROE) | -0.3145% | 6,228 |
| Retained earnings to average equity (ytd only) | -0.3145% | 5,734 |
| Net charge-offs to loans | 0.7920% | 481 |
| Credit loss provision to net charge-offs | 110.7256% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.6877% | 3,999 |
| Efficiency ratio | 91.5960% | 789 |
| Assets per employee ($millions) | 3.2328% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 4,051 |
| Loan loss allowance to noncurrent loans | 52.5458% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 1.6487% | 1,976 |
| Noncurrent loans to loans | 2.4081% | 1,310 |
| Net loans and leases to total assets | 52.9985% | 4,642 |
| Net loans and leases to deposits | 59.8807% | 4,876 |
| Net loans and leases to core deposits | 62.8921% | 4,908 |
| Total domestic deposits to total assets | 88.5068% | 1,634 |
| Equity capital to assets | 11.3405% | 2,565 |
| Core capital (leverage) ratio | 11.8980% | 1,719 |
| Tier 1 risk-based capital ratio | 20.5730% | 1,550 |
| Total risk-based capital ratio | 21.7992% | 1,528 |
| Memoranda: | ||
| Average total assets | $149,055,000 | 3,692 |
| Average earning assets | $139,874,670 | 3,649 |
| Average equity | $17,172,000 | 3,522 |
| Average total loans | $80,051,670 | 3,907 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4018% | 5,643 |
| Cost of funding earning assets | 0.1819% | 6,149 |
| Net interest margin | 3.2199% | 4,861 |
| Noninterest income to average assets | 0.4011% | 4,174 |
| Noninterest expense to average assets | 3.1867% | 2,274 |
| Loan and lease loss provision to assets | 0.8671% | 134 |
| Net operating income to assets | -0.1003% | 6,283 |
| Return on assets (ROA) | -0.1003% | 6,294 |
| Pretax return on assets | -0.6314% | 6,490 |
| Return on Equity (ROE) | -0.8634% | 6,282 |
| Retained earnings to average equity (ytd only) | -0.8634% | 5,704 |
| Net charge-offs to loans | 2.3456% | 101 |
| Credit loss provision to net charge-offs | 68.8172% | 2,016 |
| Earnings coverage of net charge-offs (x) | 0.1871% | 3,399 |
| Efficiency ratio | 93.1116% | 808 |
| Assets per employee ($millions) | 3.1250% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 5,256 |
| Loan loss allowance to noncurrent loans | 62.9520% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.4769% | 2,393 |
| Noncurrent loans to loans | 1.6961% | 2,292 |
| Net loans and leases to total assets | 54.9809% | 4,282 |
| Net loans and leases to deposits | 62.5831% | 4,483 |
| Net loans and leases to core deposits | 65.9433% | 4,491 |
| Total domestic deposits to total assets | 87.8525% | 2,310 |
| Equity capital to assets | 11.9576% | 1,897 |
| Core capital (leverage) ratio | 11.6936% | 1,833 |
| Tier 1 risk-based capital ratio | 21.7134% | 1,335 |
| Total risk-based capital ratio | 22.7839% | 1,344 |
| Memoranda: | ||
| Average total assets | $147,611,500 | 3,742 |
| Average earning assets | $138,515,000 | 3,692 |
| Average equity | $17,142,500 | 3,534 |
| Average total loans | $79,298,000 | 3,960 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1408% | 6,201 |
| Cost of funding earning assets | 0.1896% | 6,342 |
| Net interest margin | 2.9512% | 5,676 |
| Noninterest income to average assets | 0.4072% | 4,391 |
| Noninterest expense to average assets | 2.9330% | 3,269 |
| Loan and lease loss provision to assets | 0.0666% | 3,795 |
| Net operating income to assets | 0.1008% | 6,044 |
| Return on assets (ROA) | 0.1008% | 6,094 |
| Pretax return on assets | 0.1648% | 5,997 |
| Return on Equity (ROE) | 0.9104% | 6,098 |
| Retained earnings to average equity (ytd only) | 0.9104% | 5,428 |
| Net charge-offs to loans | 0.3816% | 1,763 |
| Credit loss provision to net charge-offs | 36.5248% | 4,112 |
| Earnings coverage of net charge-offs (x) | 1.2695% | 4,642 |
| Efficiency ratio | 92.6879% | 829 |
| Assets per employee ($millions) | 3.2929% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 4,307 |
| Loan loss allowance to noncurrent loans | 63.2046% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.9060% | 1,897 |
| Noncurrent loans to loans | 2.0061% | 1,984 |
| Net loans and leases to total assets | 51.3029% | 4,940 |
| Net loans and leases to deposits | 57.9415% | 5,130 |
| Net loans and leases to core deposits | 60.8598% | 5,152 |
| Total domestic deposits to total assets | 88.5425% | 1,890 |
| Equity capital to assets | 11.2865% | 2,354 |
| Core capital (leverage) ratio | 11.1971% | 2,201 |
| Tier 1 risk-based capital ratio | 20.3249% | 1,578 |
| Total risk-based capital ratio | 21.5023% | 1,566 |
| Memoranda: | ||
| Average total assets | $154,720,800 | 3,629 |
| Average earning assets | $144,550,800 | 3,590 |
| Average equity | $17,134,600 | 3,544 |
| Average total loans | $73,902,800 | 4,132 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1008% | 6,319 |
| Cost of funding earning assets | 0.1929% | 6,431 |
| Net interest margin | 2.9079% | 5,799 |
| Noninterest income to average assets | 0.4158% | 4,402 |
| Noninterest expense to average assets | 2.8092% | 3,629 |
| Loan and lease loss provision to assets | 0.0017% | 4,920 |
| Net operating income to assets | 0.3232% | 5,527 |
| Return on assets (ROA) | 0.3232% | 5,648 |
| Pretax return on assets | 0.3189% | 5,823 |
| Return on Equity (ROE) | 2.9319% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.9319% | 4,569 |
| Net charge-offs to loans | 0.5520% | 1,151 |
| Credit loss provision to net charge-offs | 0.6645% | 4,332 |
| Earnings coverage of net charge-offs (x) | 1.2425% | 4,429 |
| Efficiency ratio | 89.7562% | 1,018 |
| Assets per employee ($millions) | 3.3560% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 5,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8858% | 3,909 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 51.6266% | 4,921 |
| Net loans and leases to deposits | 58.6031% | 5,124 |
| Net loans and leases to core deposits | 61.6494% | 5,153 |
| Total domestic deposits to total assets | 88.0954% | 2,067 |
| Equity capital to assets | 11.7204% | 2,115 |
| Core capital (leverage) ratio | 11.4957% | 2,047 |
| Tier 1 risk-based capital ratio | 20.5689% | 1,585 |
| Total risk-based capital ratio | 21.6039% | 1,614 |
| Memoranda: | ||
| Average total assets | $155,532,750 | 3,656 |
| Average earning assets | $145,162,250 | 3,620 |
| Average equity | $17,144,250 | 3,586 |
| Average total loans | $72,701,500 | 4,201 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9866% | 6,462 |
| Cost of funding earning assets | 0.1899% | 6,523 |
| Net interest margin | 2.7966% | 6,004 |
| Noninterest income to average assets | 0.3882% | 4,610 |
| Noninterest expense to average assets | 2.7264% | 3,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2719% | 5,706 |
| Return on assets (ROA) | 0.2719% | 5,844 |
| Pretax return on assets | 0.2871% | 5,909 |
| Return on Equity (ROE) | 2.5161% | 5,787 |
| Retained earnings to average equity (ytd only) | 2.5161% | 4,693 |
| Net charge-offs to loans | 0.2190% | 2,433 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.9103% | 3,556 |
| Efficiency ratio | 90.4742% | 1,027 |
| Assets per employee ($millions) | 3.4923% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 3,439 |
| Loan loss allowance to noncurrent loans | 81.9538% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.1778% | 3,397 |
| Noncurrent loans to loans | 1.8685% | 2,537 |
| Net loans and leases to total assets | 43.9914% | 5,739 |
| Net loans and leases to deposits | 49.3185% | 5,897 |
| Net loans and leases to core deposits | 51.5204% | 5,922 |
| Total domestic deposits to total assets | 89.1985% | 1,506 |
| Equity capital to assets | 10.6396% | 3,131 |
| Core capital (leverage) ratio | 11.0825% | 2,281 |
| Tier 1 risk-based capital ratio | 21.9807% | 1,283 |
| Total risk-based capital ratio | 23.2333% | 1,266 |
| Memoranda: | ||
| Average total assets | $158,155,000 | 3,647 |
| Average earning assets | $148,464,670 | 3,589 |
| Average equity | $17,090,000 | 3,610 |
| Average total loans | $71,231,000 | 4,265 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0085% | 6,509 |
| Cost of funding earning assets | 0.1988% | 6,576 |
| Net interest margin | 2.8098% | 6,012 |
| Noninterest income to average assets | 0.3390% | 4,986 |
| Noninterest expense to average assets | 2.8653% | 3,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0867% | 6,176 |
| Return on assets (ROA) | 0.0867% | 6,263 |
| Pretax return on assets | 0.1045% | 6,253 |
| Return on Equity (ROE) | 0.7958% | 6,259 |
| Retained earnings to average equity (ytd only) | 0.7958% | 5,518 |
| Net charge-offs to loans | 0.0395% | 3,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.8571% | 2,313 |
| Efficiency ratio | 96.4807% | 704 |
| Assets per employee ($millions) | 3.3914% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6612% | 3,163 |
| Loan loss allowance to noncurrent loans | 86.9888% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 2.3675% | 1,967 |
| Noncurrent loans to loans | 1.9096% | 2,724 |
| Net loans and leases to total assets | 45.3847% | 5,502 |
| Net loans and leases to deposits | 51.2566% | 5,686 |
| Net loans and leases to core deposits | 53.5851% | 5,703 |
| Total domestic deposits to total assets | 88.5441% | 1,974 |
| Equity capital to assets | 11.2089% | 2,728 |
| Core capital (leverage) ratio | 11.1447% | 2,140 |
| Tier 1 risk-based capital ratio | 23.1405% | 1,133 |
| Total risk-based capital ratio | 24.3944% | 1,116 |
| Memoranda: | ||
| Average total assets | $156,910,000 | 3,694 |
| Average earning assets | $146,916,500 | 3,645 |
| Average equity | $17,089,000 | 3,657 |
| Average total loans | $70,962,000 | 4,310 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6289% | 6,170 |
| Cost of funding earning assets | 0.2769% | 6,561 |
| Net interest margin | 3.3520% | 5,062 |
| Noninterest income to average assets | -0.2794% | 6,986 |
| Noninterest expense to average assets | 3.3099% | 2,306 |
| Loan and lease loss provision to assets | -0.0952% | 6,923 |
| Net operating income to assets | -0.3263% | 6,463 |
| Return on assets (ROA) | -0.3263% | 6,512 |
| Pretax return on assets | -0.3834% | 6,521 |
| Return on Equity (ROE) | -2.7535% | 6,490 |
| Retained earnings to average equity (ytd only) | -2.7535% | 6,244 |
| Net charge-offs to loans | 1.1738% | 871 |
| Credit loss provision to net charge-offs | -15.3509% | 6,226 |
| Earnings coverage of net charge-offs (x) | -0.7719% | 5,729 |
| Efficiency ratio | 116.9028% | 239 |
| Assets per employee ($millions) | 3.5045% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 3,127 |
| Loan loss allowance to noncurrent loans | 116.1895% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 1.7114% | 2,832 |
| Noncurrent loans to loans | 1.4169% | 3,472 |
| Net loans and leases to total assets | 43.6173% | 5,848 |
| Net loans and leases to deposits | 48.8271% | 6,050 |
| Net loans and leases to core deposits | 50.9009% | 6,094 |
| Total domestic deposits to total assets | 89.3300% | 1,348 |
| Equity capital to assets | 10.5900% | 3,410 |
| Core capital (leverage) ratio | 11.7048% | 1,729 |
| Tier 1 risk-based capital ratio | 21.8424% | 1,292 |
| Total risk-based capital ratio | 23.0937% | 1,261 |
| Memoranda: | ||
| Average total assets | $147,102,800 | 3,826 |
| Average earning assets | $136,513,600 | 3,783 |
| Average equity | $17,432,200 | 3,551 |
| Average total loans | $77,696,400 | 4,101 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 6,044 |
| Cost of funding earning assets | 0.2989% | 6,622 |
| Net interest margin | 3.4930% | 4,675 |
| Noninterest income to average assets | -0.1913% | 7,068 |
| Noninterest expense to average assets | 3.3904% | 2,025 |
| Loan and lease loss provision to assets | -0.1393% | 7,064 |
| Net operating income to assets | -0.0288% | 6,319 |
| Return on assets (ROA) | -0.0288% | 6,440 |
| Pretax return on assets | -0.2089% | 6,546 |
| Return on Equity (ROE) | -0.2359% | 6,433 |
| Retained earnings to average equity (ytd only) | -0.2359% | 6,128 |
| Net charge-offs to loans | 1.2332% | 784 |
| Credit loss provision to net charge-offs | -20.4638% | 6,126 |
| Earnings coverage of net charge-offs (x) | -0.5116% | 5,500 |
| Efficiency ratio | 111.4469% | 282 |
| Assets per employee ($millions) | 3.3565% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 2,787 |
| Loan loss allowance to noncurrent loans | 63.4606% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 3.0915% | 1,686 |
| Noncurrent loans to loans | 2.8414% | 1,978 |
| Net loans and leases to total assets | 50.7860% | 5,214 |
| Net loans and leases to deposits | 57.9589% | 5,436 |
| Net loans and leases to core deposits | 60.7815% | 5,477 |
| Total domestic deposits to total assets | 87.6243% | 2,275 |
| Equity capital to assets | 12.1485% | 2,152 |
| Core capital (leverage) ratio | 12.1908% | 1,536 |
| Tier 1 risk-based capital ratio | 21.5936% | 1,403 |
| Total risk-based capital ratio | 22.8482% | 1,377 |
| Memoranda: | ||
| Average total assets | $143,576,250 | 3,925 |
| Average earning assets | $132,909,250 | 3,883 |
| Average equity | $17,522,250 | 3,565 |
| Average total loans | $79,247,500 | 4,099 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8257% | 6,080 |
| Cost of funding earning assets | 0.3274% | 6,612 |
| Net interest margin | 3.4983% | 4,675 |
| Noninterest income to average assets | 0.6433% | 2,986 |
| Noninterest expense to average assets | 4.0579% | 883 |
| Loan and lease loss provision to assets | 0.1437% | 3,720 |
| Net operating income to assets | -0.0781% | 6,409 |
| Return on assets (ROA) | -0.0781% | 6,523 |
| Pretax return on assets | -0.3223% | 6,655 |
| Return on Equity (ROE) | -0.6393% | 6,515 |
| Retained earnings to average equity (ytd only) | -0.6393% | 6,153 |
| Net charge-offs to loans | 0.6561% | 1,687 |
| Credit loss provision to net charge-offs | 38.8679% | 4,291 |
| Earnings coverage of net charge-offs (x) | -0.4830% | 5,231 |
| Efficiency ratio | 104.6043% | 422 |
| Assets per employee ($millions) | 3.3255% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6157% | 1,133 |
| Loan loss allowance to noncurrent loans | 41.0328% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 5.1456% | 913 |
| Noncurrent loans to loans | 6.3747% | 666 |
| Net loans and leases to total assets | 53.7903% | 4,842 |
| Net loans and leases to deposits | 61.4145% | 5,080 |
| Net loans and leases to core deposits | 64.2493% | 5,186 |
| Total domestic deposits to total assets | 87.5857% | 2,408 |
| Equity capital to assets | 12.2325% | 1,981 |
| Core capital (leverage) ratio | 12.4540% | 1,374 |
| Tier 1 risk-based capital ratio | 21.8963% | 1,314 |
| Total risk-based capital ratio | 23.1627% | 1,288 |
| Memoranda: | ||
| Average total assets | $143,324,670 | 3,945 |
| Average earning assets | $132,578,000 | 3,912 |
| Average equity | $17,518,330 | 3,567 |
| Average total loans | $80,781,330 | 4,081 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9186% | 5,977 |
| Cost of funding earning assets | 0.3710% | 6,550 |
| Net interest margin | 3.5475% | 4,497 |
| Noninterest income to average assets | 0.7248% | 2,533 |
| Noninterest expense to average assets | 4.5328% | 539 |
| Loan and lease loss provision to assets | 0.0028% | 5,231 |
| Net operating income to assets | -0.0502% | 6,484 |
| Return on assets (ROA) | -0.0502% | 6,579 |
| Pretax return on assets | -0.5324% | 6,843 |
| Return on Equity (ROE) | -0.4107% | 6,579 |
| Retained earnings to average equity (ytd only) | -0.4107% | 6,067 |
| Net charge-offs to loans | 1.1949% | 858 |
| Credit loss provision to net charge-offs | 0.4098% | 3,990 |
| Earnings coverage of net charge-offs (x) | -0.7787% | 4,538 |
| Efficiency ratio | 113.2312% | 298 |
| Assets per employee ($millions) | 3.2000% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4841% | 1,380 |
| Loan loss allowance to noncurrent loans | 54.1144% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 4.4815% | 1,196 |
| Noncurrent loans to loans | 4.5904% | 1,250 |
| Net loans and leases to total assets | 55.3714% | 4,491 |
| Net loans and leases to deposits | 63.3928% | 4,715 |
| Net loans and leases to core deposits | 66.4907% | 4,857 |
| Total domestic deposits to total assets | 87.3466% | 2,748 |
| Equity capital to assets | 12.4396% | 1,759 |
| Core capital (leverage) ratio | 12.3929% | 1,387 |
| Tier 1 risk-based capital ratio | 21.2366% | 1,443 |
| Total risk-based capital ratio | 22.4877% | 1,417 |
| Memoranda: | ||
| Average total assets | $143,489,000 | 3,982 |
| Average earning assets | $132,599,500 | 3,930 |
| Average equity | $17,531,500 | 3,566 |
| Average total loans | $81,680,000 | 4,072 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 6,648 |
| Cost of funding earning assets | 0.6023% | 6,083 |
| Net interest margin | 3.2718% | 5,895 |
| Noninterest income to average assets | 0.7417% | 2,381 |
| Noninterest expense to average assets | 3.1295% | 3,097 |
| Loan and lease loss provision to assets | 1.4168% | 543 |
| Net operating income to assets | -0.6909% | 6,603 |
| Return on assets (ROA) | -0.6909% | 6,635 |
| Pretax return on assets | -0.7299% | 6,612 |
| Return on Equity (ROE) | -5.6381% | 6,562 |
| Retained earnings to average equity (ytd only) | -6.0909% | 6,514 |
| Net charge-offs to loans | 1.1130% | 1,545 |
| Credit loss provision to net charge-offs | 221.1340% | 1,101 |
| Earnings coverage of net charge-offs (x) | 1.0722% | 4,985 |
| Efficiency ratio | 82.0007% | 2,029 |
| Assets per employee ($millions) | 3.3222% | 5,448 |
| Cash dividends to net income (ytd only)* | -8.0306% | 7,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6723% | 1,105 |
| Loan loss allowance to noncurrent loans | 50.8556% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 4.9159% | 1,095 |
| Noncurrent loans to loans | 5.2547% | 1,035 |
| Net loans and leases to total assets | 55.5364% | 4,787 |
| Net loans and leases to deposits | 63.9551% | 5,015 |
| Net loans and leases to core deposits | 67.2933% | 5,121 |
| Total domestic deposits to total assets | 86.8366% | 2,854 |
| Equity capital to assets | 12.0045% | 2,122 |
| Core capital (leverage) ratio | 11.6266% | 1,803 |
| Tier 1 risk-based capital ratio | 20.0183% | 1,638 |
| Total risk-based capital ratio | 21.2842% | 1,606 |
| Memoranda: | ||
| Average total assets | $151,399,800 | 3,775 |
| Average earning assets | $142,277,600 | 3,707 |
| Average equity | $18,552,200 | 3,351 |
| Average total loans | $87,150,400 | 3,930 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 6,752 |
| Cost of funding earning assets | 0.6350% | 6,110 |
| Net interest margin | 3.2464% | 6,027 |
| Noninterest income to average assets | 0.5937% | 3,212 |
| Noninterest expense to average assets | 2.9468% | 3,752 |
| Loan and lease loss provision to assets | 0.1607% | 4,459 |
| Net operating income to assets | 0.3554% | 5,184 |
| Return on assets (ROA) | 0.3554% | 5,369 |
| Pretax return on assets | 0.5483% | 4,983 |
| Return on Equity (ROE) | 2.8859% | 5,465 |
| Retained earnings to average equity (ytd only) | 2.2903% | 4,978 |
| Net charge-offs to loans | 0.2497% | 3,868 |
| Credit loss provision to net charge-offs | 111.5152% | 2,944 |
| Earnings coverage of net charge-offs (x) | 4.9213% | 2,920 |
| Efficiency ratio | 80.6066% | 2,170 |
| Assets per employee ($millions) | 3.3418% | 5,383 |
| Cash dividends to net income (ytd only)* | 20.6395% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 5,321 |
| Loan loss allowance to noncurrent loans | 17.9612% | 6,741 |
| Noncurrent assets plus other real estate owned to assets | 4.9907% | 1,153 |
| Noncurrent loans to loans | 6.8816% | 733 |
| Net loans and leases to total assets | 57.0139% | 4,683 |
| Net loans and leases to deposits | 65.5084% | 4,969 |
| Net loans and leases to core deposits | 69.2648% | 5,032 |
| Total domestic deposits to total assets | 87.0329% | 2,636 |
| Equity capital to assets | 12.6306% | 1,832 |
| Core capital (leverage) ratio | 12.4498% | 1,459 |
| Tier 1 risk-based capital ratio | 21.6325% | 1,348 |
| Total risk-based capital ratio | 22.8549% | 1,321 |
| Memoranda: | ||
| Average total assets | $152,705,250 | 3,781 |
| Average earning assets | $144,033,250 | 3,696 |
| Average equity | $18,803,250 | 3,311 |
| Average total loans | $88,085,250 | 3,946 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 6,770 |
| Cost of funding earning assets | 0.6399% | 6,274 |
| Net interest margin | 3.2894% | 5,887 |
| Noninterest income to average assets | 0.6516% | 2,826 |
| Noninterest expense to average assets | 2.9463% | 3,842 |
| Loan and lease loss provision to assets | 0.1616% | 4,308 |
| Net operating income to assets | 0.3714% | 5,079 |
| Return on assets (ROA) | 0.3714% | 5,221 |
| Pretax return on assets | 0.6450% | 4,589 |
| Return on Equity (ROE) | 3.0417% | 5,375 |
| Retained earnings to average equity (ytd only) | 2.1452% | 4,919 |
| Net charge-offs to loans | 0.0475% | 5,183 |
| Credit loss provision to net charge-offs | 590.4762% | 527 |
| Earnings coverage of net charge-offs (x) | 29.4762% | 933 |
| Efficiency ratio | 78.5069% | 2,629 |
| Assets per employee ($millions) | 3.3342% | 5,362 |
| Cash dividends to net income (ytd only)* | 29.4737% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 5,052 |
| Loan loss allowance to noncurrent loans | 32.1210% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 3.2652% | 2,048 |
| Noncurrent loans to loans | 4.0553% | 1,706 |
| Net loans and leases to total assets | 57.1587% | 4,794 |
| Net loans and leases to deposits | 65.9411% | 5,009 |
| Net loans and leases to core deposits | 69.6530% | 5,111 |
| Total domestic deposits to total assets | 86.6815% | 2,941 |
| Equity capital to assets | 12.3033% | 1,903 |
| Core capital (leverage) ratio | 12.2136% | 1,496 |
| Tier 1 risk-based capital ratio | 20.8217% | 1,453 |
| Total risk-based capital ratio | 22.0799% | 1,427 |
| Memoranda: | ||
| Average total assets | $153,480,000 | 3,790 |
| Average earning assets | $144,706,670 | 3,716 |
| Average equity | $18,739,670 | 3,296 |
| Average total loans | $88,510,000 | 3,976 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 6,845 |
| Cost of funding earning assets | 0.6582% | 6,351 |
| Net interest margin | 3.2248% | 5,996 |
| Noninterest income to average assets | 0.4247% | 4,498 |
| Noninterest expense to average assets | 3.2071% | 2,872 |
| Loan and lease loss provision to assets | 0.1537% | 4,099 |
| Net operating income to assets | 0.0443% | 6,247 |
| Return on assets (ROA) | 0.0443% | 6,286 |
| Pretax return on assets | 0.1016% | 6,163 |
| Return on Equity (ROE) | 0.3641% | 6,291 |
| Retained earnings to average equity (ytd only) | 0.3641% | 5,670 |
| Net charge-offs to loans | 0.0498% | 4,438 |
| Credit loss provision to net charge-offs | 536.3636% | 675 |
| Earnings coverage of net charge-offs (x) | 8.9091% | 1,776 |
| Efficiency ratio | 92.6260% | 1,124 |
| Assets per employee ($millions) | 3.4701% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 5,426 |
| Loan loss allowance to noncurrent loans | 32.1189% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 3.1245% | 2,210 |
| Noncurrent loans to loans | 3.8744% | 1,896 |
| Net loans and leases to total assets | 56.0047% | 4,991 |
| Net loans and leases to deposits | 63.9248% | 5,263 |
| Net loans and leases to core deposits | 67.5448% | 5,349 |
| Total domestic deposits to total assets | 87.6102% | 2,605 |
| Equity capital to assets | 11.9645% | 1,937 |
| Core capital (leverage) ratio | 12.0648% | 1,526 |
| Tier 1 risk-based capital ratio | 21.5704% | 1,305 |
| Total risk-based capital ratio | 22.8208% | 1,282 |
| Memoranda: | ||
| Average total assets | $153,533,500 | 3,819 |
| Average earning assets | $144,631,000 | 3,739 |
| Average equity | $18,674,500 | 3,296 |
| Average total loans | $88,353,500 | 4,009 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 6,692 |
| Cost of funding earning assets | 0.8379% | 6,407 |
| Net interest margin | 3.5155% | 5,188 |
| Noninterest income to average assets | 0.5190% | 4,031 |
| Noninterest expense to average assets | 3.2702% | 2,833 |
| Loan and lease loss provision to assets | 0.1592% | 5,618 |
| Net operating income to assets | 0.3015% | 4,936 |
| Return on assets (ROA) | 0.3015% | 5,103 |
| Pretax return on assets | 0.3644% | 5,045 |
| Return on Equity (ROE) | 2.4736% | 5,197 |
| Retained earnings to average equity (ytd only) | 1.5702% | 4,744 |
| Net charge-offs to loans | 0.1789% | 5,251 |
| Credit loss provision to net charge-offs | 150.0000% | 2,411 |
| Earnings coverage of net charge-offs (x) | 4.9321% | 2,762 |
| Efficiency ratio | 86.1980% | 1,677 |
| Assets per employee ($millions) | 3.3536% | 5,293 |
| Cash dividends to net income (ytd only)* | 36.5217% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 5,538 |
| Loan loss allowance to noncurrent loans | 45.6277% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 2.4902% | 2,781 |
| Noncurrent loans to loans | 2.6205% | 2,905 |
| Net loans and leases to total assets | 57.7137% | 5,069 |
| Net loans and leases to deposits | 66.7377% | 5,299 |
| Net loans and leases to core deposits | 70.7068% | 5,371 |
| Total domestic deposits to total assets | 86.4784% | 3,091 |
| Equity capital to assets | 12.3686% | 1,711 |
| Core capital (leverage) ratio | 12.0817% | 1,491 |
| Tier 1 risk-based capital ratio | 20.7191% | 1,358 |
| Total risk-based capital ratio | 21.8890% | 1,358 |
| Memoranda: | ||
| Average total assets | $152,591,000 | 3,833 |
| Average earning assets | $142,140,600 | 3,778 |
| Average equity | $18,596,200 | 3,336 |
| Average total loans | $90,549,600 | 4,035 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 6,807 |
| Cost of funding earning assets | 0.8745% | 6,490 |
| Net interest margin | 3.5318% | 5,174 |
| Noninterest income to average assets | 0.5281% | 3,955 |
| Noninterest expense to average assets | 3.2032% | 2,916 |
| Loan and lease loss provision to assets | 0.1586% | 5,457 |
| Net operating income to assets | 0.3303% | 5,047 |
| Return on assets (ROA) | 0.3303% | 5,217 |
| Pretax return on assets | 0.4531% | 5,068 |
| Return on Equity (ROE) | 2.7199% | 5,339 |
| Retained earnings to average equity (ytd only) | 2.1170% | 4,909 |
| Net charge-offs to loans | 0.0132% | 6,483 |
| Credit loss provision to net charge-offs | 2,022.2222% | 157 |
| Earnings coverage of net charge-offs (x) | 77.9983% | 389 |
| Efficiency ratio | 83.9653% | 1,842 |
| Assets per employee ($millions) | 3.2080% | 5,664 |
| Cash dividends to net income (ytd only)* | 22.1642% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 5,235 |
| Loan loss allowance to noncurrent loans | 59.2248% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 2.1970% | 3,206 |
| Noncurrent loans to loans | 2.1098% | 3,560 |
| Net loans and leases to total assets | 58.8168% | 5,132 |
| Net loans and leases to deposits | 67.2366% | 5,517 |
| Net loans and leases to core deposits | 71.1266% | 5,622 |
| Total domestic deposits to total assets | 87.4774% | 2,274 |
| Equity capital to assets | 12.1252% | 2,078 |
| Core capital (leverage) ratio | 12.1693% | 1,578 |
| Tier 1 risk-based capital ratio | 20.8055% | 1,397 |
| Total risk-based capital ratio | 22.0558% | 1,372 |
| Memoranda: | ||
| Average total assets | $153,010,250 | 3,877 |
| Average earning assets | $142,398,000 | 3,827 |
| Average equity | $18,578,750 | 3,376 |
| Average total loans | $91,149,000 | 4,093 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 6,626 |
| Cost of funding earning assets | 0.9257% | 6,479 |
| Net interest margin | 3.6082% | 4,777 |
| Noninterest income to average assets | 0.5305% | 3,874 |
| Noninterest expense to average assets | 3.2118% | 2,857 |
| Loan and lease loss provision to assets | 0.1650% | 5,240 |
| Net operating income to assets | 0.3877% | 4,806 |
| Return on assets (ROA) | 0.3877% | 4,973 |
| Pretax return on assets | 0.4978% | 4,903 |
| Return on Equity (ROE) | 3.1917% | 5,137 |
| Retained earnings to average equity (ytd only) | 2.2860% | 4,702 |
| Net charge-offs to loans | 0.0066% | 6,276 |
| Credit loss provision to net charge-offs | 4,200.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 168.6667% | 211 |
| Efficiency ratio | 82.8938% | 2,056 |
| Assets per employee ($millions) | 2.9652% | 6,215 |
| Cash dividends to net income (ytd only)* | 28.3784% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 5,221 |
| Loan loss allowance to noncurrent loans | 136.6584% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 1.4878% | 4,230 |
| Noncurrent loans to loans | 0.9098% | 5,459 |
| Net loans and leases to total assets | 57.5679% | 5,479 |
| Net loans and leases to deposits | 65.8605% | 5,819 |
| Net loans and leases to core deposits | 70.4624% | 5,831 |
| Total domestic deposits to total assets | 87.4088% | 2,320 |
| Equity capital to assets | 12.2949% | 1,930 |
| Core capital (leverage) ratio | 12.2248% | 1,528 |
| Tier 1 risk-based capital ratio | 20.2279% | 1,479 |
| Total risk-based capital ratio | 21.4208% | 1,454 |
| Memoranda: | ||
| Average total assets | $152,685,330 | 3,909 |
| Average earning assets | $141,512,000 | 3,875 |
| Average equity | $18,548,000 | 3,369 |
| Average total loans | $90,960,330 | 4,126 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6525% | 6,404 |
| Cost of funding earning assets | 0.9467% | 6,594 |
| Net interest margin | 3.7057% | 4,213 |
| Noninterest income to average assets | 0.5084% | 3,986 |
| Noninterest expense to average assets | 3.1314% | 3,133 |
| Loan and lease loss provision to assets | 0.1643% | 4,884 |
| Net operating income to assets | 0.6179% | 3,817 |
| Return on assets (ROA) | 0.6179% | 3,954 |
| Pretax return on assets | 0.6623% | 4,368 |
| Return on Equity (ROE) | 5.1173% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.1173% | 3,092 |
| Net charge-offs to loans | 0.0173% | 5,338 |
| Credit loss provision to net charge-offs | 1,575.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 79.2500% | 389 |
| Efficiency ratio | 79.1173% | 2,701 |
| Assets per employee ($millions) | 3.2325% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 5,790 |
| Loan loss allowance to noncurrent loans | 74.1379% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.7891% | 3,804 |
| Noncurrent loans to loans | 1.5480% | 4,423 |
| Net loans and leases to total assets | 57.2908% | 5,554 |
| Net loans and leases to deposits | 65.3519% | 5,895 |
| Net loans and leases to core deposits | 69.9075% | 5,926 |
| Total domestic deposits to total assets | 87.6651% | 2,255 |
| Equity capital to assets | 12.0075% | 2,042 |
| Core capital (leverage) ratio | 12.2408% | 1,527 |
| Tier 1 risk-based capital ratio | 20.2129% | 1,482 |
| Total risk-based capital ratio | 21.3336% | 1,477 |
| Memoranda: | ||
| Average total assets | $153,415,500 | 3,952 |
| Average earning assets | $142,806,000 | 3,895 |
| Average equity | $18,525,500 | 3,392 |
| Average total loans | $92,364,000 | 4,155 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8035% | 6,947 |
| Cost of funding earning assets | 1.1167% | 6,922 |
| Net interest margin | 3.6868% | 4,197 |
| Noninterest income to average assets | 0.5188% | 4,273 |
| Noninterest expense to average assets | 3.3305% | 2,908 |
| Loan and lease loss provision to assets | 0.2473% | 5,415 |
| Net operating income to assets | 0.3562% | 4,301 |
| Return on assets (ROA) | 0.3562% | 4,397 |
| Pretax return on assets | 0.4153% | 4,451 |
| Return on Equity (ROE) | 2.8850% | 4,558 |
| Retained earnings to average equity (ytd only) | 1.9705% | 3,721 |
| Net charge-offs to loans | 0.6175% | 3,361 |
| Credit loss provision to net charge-offs | 62.4788% | 6,611 |
| Earnings coverage of net charge-offs (x) | 1.6740% | 4,482 |
| Efficiency ratio | 83.4063% | 2,427 |
| Assets per employee ($millions) | 3.0953% | 5,998 |
| Cash dividends to net income (ytd only)* | 31.6981% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 6,233 |
| Loan loss allowance to noncurrent loans | 57.4041% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 2.0301% | 3,362 |
| Noncurrent loans to loans | 1.7879% | 3,960 |
| Net loans and leases to total assets | 61.8646% | 5,015 |
| Net loans and leases to deposits | 70.7350% | 5,505 |
| Net loans and leases to core deposits | 81.1440% | 5,987 |
| Total domestic deposits to total assets | 87.4596% | 2,240 |
| Equity capital to assets | 12.1448% | 1,943 |
| Core capital (leverage) ratio | 12.2098% | 1,574 |
| Tier 1 risk-based capital ratio | 19.6094% | 1,545 |
| Total risk-based capital ratio | 20.6478% | 1,535 |
| Memoranda: | ||
| Average total assets | $148,806,800 | 3,974 |
| Average earning assets | $140,231,600 | 3,896 |
| Average equity | $18,370,600 | 3,449 |
| Average total loans | $95,390,800 | 4,078 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 6,950 |
| Cost of funding earning assets | 1.1612% | 7,000 |
| Net interest margin | 3.7127% | 4,017 |
| Noninterest income to average assets | 0.5078% | 4,421 |
| Noninterest expense to average assets | 3.3132% | 2,859 |
| Loan and lease loss provision to assets | 0.1215% | 6,141 |
| Net operating income to assets | 0.4232% | 4,309 |
| Return on assets (ROA) | 0.4232% | 4,412 |
| Pretax return on assets | 0.5735% | 4,286 |
| Return on Equity (ROE) | 3.4135% | 4,617 |
| Retained earnings to average equity (ytd only) | 2.8034% | 3,764 |
| Net charge-offs to loans | 0.1870% | 4,897 |
| Credit loss provision to net charge-offs | 100.7463% | 5,043 |
| Earnings coverage of net charge-offs (x) | 5.7613% | 2,742 |
| Efficiency ratio | 82.6595% | 2,488 |
| Assets per employee ($millions) | 3.3144% | 5,358 |
| Cash dividends to net income (ytd only)* | 17.8728% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 4,914 |
| Loan loss allowance to noncurrent loans | 42.1368% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 1.8936% | 3,519 |
| Noncurrent loans to loans | 2.9374% | 2,592 |
| Net loans and leases to total assets | 62.5413% | 5,154 |
| Net loans and leases to deposits | 71.4565% | 5,741 |
| Net loans and leases to core deposits | 82.0100% | 6,188 |
| Total domestic deposits to total assets | 87.5236% | 1,872 |
| Equity capital to assets | 12.1209% | 2,175 |
| Core capital (leverage) ratio | 12.2123% | 1,702 |
| Tier 1 risk-based capital ratio | 20.0499% | 1,548 |
| Total risk-based capital ratio | 21.3010% | 1,494 |
| Memoranda: | ||
| Average total assets | $148,091,000 | 4,005 |
| Average earning assets | $139,627,000 | 3,935 |
| Average equity | $18,358,250 | 3,474 |
| Average total loans | $95,537,750 | 4,100 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9106% | 7,011 |
| Cost of funding earning assets | 1.2161% | 7,058 |
| Net interest margin | 3.6945% | 3,969 |
| Noninterest income to average assets | 0.4951% | 4,486 |
| Noninterest expense to average assets | 3.2230% | 3,259 |
| Loan and lease loss provision to assets | 0.1255% | 5,858 |
| Net operating income to assets | 0.4269% | 4,391 |
| Return on assets (ROA) | 0.4269% | 4,504 |
| Pretax return on assets | 0.6438% | 4,180 |
| Return on Equity (ROE) | 3.4175% | 4,741 |
| Retained earnings to average equity (ytd only) | 2.5003% | 3,941 |
| Net charge-offs to loans | 0.0588% | 5,674 |
| Credit loss provision to net charge-offs | 328.5714% | 1,416 |
| Earnings coverage of net charge-offs (x) | 20.1429% | 1,328 |
| Efficiency ratio | 80.7311% | 2,929 |
| Assets per employee ($millions) | 3.1875% | 5,615 |
| Cash dividends to net income (ytd only)* | 26.8371% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 4,172 |
| Loan loss allowance to noncurrent loans | 41.6556% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 2.0158% | 3,176 |
| Noncurrent loans to loans | 3.1651% | 2,255 |
| Net loans and leases to total assets | 62.8510% | 5,208 |
| Net loans and leases to deposits | 72.5081% | 5,667 |
| Net loans and leases to core deposits | 83.3465% | 6,132 |
| Total domestic deposits to total assets | 86.6814% | 2,415 |
| Equity capital to assets | 12.2660% | 2,046 |
| Core capital (leverage) ratio | 12.2748% | 1,706 |
| Tier 1 risk-based capital ratio | 20.0435% | 1,574 |
| Total risk-based capital ratio | 21.2951% | 1,534 |
| Memoranda: | ||
| Average total assets | $146,633,330 | 4,059 |
| Average earning assets | $138,802,330 | 3,976 |
| Average equity | $18,317,670 | 3,503 |
| Average total loans | $95,201,000 | 4,139 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9762% | 6,990 |
| Cost of funding earning assets | 1.2942% | 7,026 |
| Net interest margin | 3.6820% | 3,975 |
| Noninterest income to average assets | 0.4661% | 4,627 |
| Noninterest expense to average assets | 3.2432% | 2,820 |
| Loan and lease loss provision to assets | 0.1269% | 5,335 |
| Net operating income to assets | 0.3861% | 4,910 |
| Return on assets (ROA) | 0.3861% | 5,093 |
| Pretax return on assets | 0.5874% | 4,794 |
| Return on Equity (ROE) | 3.0620% | 5,347 |
| Retained earnings to average equity (ytd only) | 3.0620% | 4,173 |
| Net charge-offs to loans | 0.0463% | 4,832 |
| Credit loss provision to net charge-offs | 418.1818% | 1,261 |
| Earnings coverage of net charge-offs (x) | 23.5455% | 1,272 |
| Efficiency ratio | 81.9512% | 2,537 |
| Assets per employee ($millions) | 2.9231% | 6,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,059 |
| Loan loss allowance to noncurrent loans | 39.8379% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 2.1108% | 2,735 |
| Noncurrent loans to loans | 3.2704% | 1,968 |
| Net loans and leases to total assets | 63.7002% | 5,042 |
| Net loans and leases to deposits | 73.8165% | 5,501 |
| Net loans and leases to core deposits | 86.1344% | 5,889 |
| Total domestic deposits to total assets | 86.2954% | 2,560 |
| Equity capital to assets | 12.5394% | 1,952 |
| Core capital (leverage) ratio | 12.8132% | 1,551 |
| Tier 1 risk-based capital ratio | 19.9824% | 1,628 |
| Total risk-based capital ratio | 21.2340% | 1,579 |
| Memoranda: | ||
| Average total assets | $145,043,500 | 4,091 |
| Average earning assets | $137,534,500 | 4,004 |
| Average equity | $18,288,500 | 3,521 |
| Average total loans | $95,093,000 | 4,174 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8646% | 6,210 |
| Cost of funding earning assets | 1.8023% | 6,999 |
| Net interest margin | 4.0623% | 2,860 |
| Noninterest income to average assets | 0.4973% | 4,631 |
| Noninterest expense to average assets | 3.6818% | 1,987 |
| Loan and lease loss provision to assets | 0.0453% | 6,845 |
| Net operating income to assets | 0.4073% | 5,124 |
| Return on assets (ROA) | 0.4073% | 4,941 |
| Pretax return on assets | 0.5642% | 4,796 |
| Return on Equity (ROE) | 3.1434% | 5,178 |
| Retained earnings to average equity (ytd only) | 2.2103% | 3,836 |
| Net charge-offs to loans | 0.0142% | 6,697 |
| Credit loss provision to net charge-offs | 450.0000% | 973 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 662 |
| Efficiency ratio | 85.7957% | 1,874 |
| Assets per employee ($millions) | 2.7679% | 6,643 |
| Cash dividends to net income (ytd only)* | 29.6820% | 4,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 4,190 |
| Loan loss allowance to noncurrent loans | 39.6020% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 2.0947% | 2,350 |
| Noncurrent loans to loans | 3.1453% | 1,680 |
| Net loans and leases to total assets | 65.7686% | 4,901 |
| Net loans and leases to deposits | 81.1011% | 4,855 |
| Net loans and leases to core deposits | 95.4158% | 5,305 |
| Total domestic deposits to total assets | 81.0945% | 4,595 |
| Equity capital to assets | 12.6796% | 1,931 |
| Core capital (leverage) ratio | 12.7614% | 1,638 |
| Tier 1 risk-based capital ratio | 19.4483% | 1,714 |
| Total risk-based capital ratio | 20.6986% | 1,677 |
| Memoranda: | ||
| Average total assets | $138,952,400 | 4,103 |
| Average earning assets | $129,779,200 | 4,044 |
| Average equity | $18,006,200 | 3,556 |
| Average total loans | $98,668,600 | 3,983 |