Home > Heritage Bank > Performance and Condition Ratios
Heritage Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5676% | 2,977 |
| Cost of funding earning assets | 0.8590% | 3,596 |
| Net interest margin | 3.7086% | 1,747 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 1.2762% | 4,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.3199% | 296 |
| Return on assets (ROA) | 2.3199% | 286 |
| Pretax return on assets | 2.9794% | 210 |
| Return on Equity (ROE) | 13.8900% | 1,504 |
| Retained earnings to average equity (ytd only) | 12.3789% | 590 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 29.9885% | 4,494 |
| Assets per employee ($millions) | 7.5310% | 1,709 |
| Cash dividends to net income (ytd only)* | 10.8877% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 2,792 |
| Loan loss allowance to noncurrent loans | 1,016.1616% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 3,404 |
| Noncurrent loans to loans | 0.1090% | 2,988 |
| Net loans and leases to total assets | 31.4000% | 4,266 |
| Net loans and leases to deposits | 42.5876% | 4,142 |
| Net loans and leases to core deposits | 43.0717% | 4,220 |
| Total domestic deposits to total assets | 73.7200% | 4,121 |
| Equity capital to assets | 18.4581% | 326 |
| Core capital (leverage) ratio | 18.6840% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $593,868,600 | 1,496 |
| Average earning assets | $571,812,400 | 1,435 |
| Average equity | $99,177,000 | 953 |
| Average total loans | $159,424,400 | 2,604 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 2,959 |
| Cost of funding earning assets | 0.7755% | 3,589 |
| Net interest margin | 3.6988% | 1,776 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 1.1861% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.3500% | 308 |
| Return on assets (ROA) | 2.3500% | 299 |
| Pretax return on assets | 3.0073% | 232 |
| Return on Equity (ROE) | 14.4300% | 1,561 |
| Retained earnings to average equity (ytd only) | 12.3846% | 908 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 28.2857% | 4,528 |
| Assets per employee ($millions) | 7.8827% | 1,412 |
| Cash dividends to net income (ytd only)* | 14.2019% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,193 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 28.3600% | 4,341 |
| Net loans and leases to deposits | 38.9373% | 4,236 |
| Net loans and leases to core deposits | 39.5415% | 4,268 |
| Total domestic deposits to total assets | 72.8300% | 4,224 |
| Equity capital to assets | 18.0308% | 340 |
| Core capital (leverage) ratio | 18.1038% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $599,247,000 | 1,476 |
| Average earning assets | $577,537,750 | 1,424 |
| Average equity | $97,559,750 | 959 |
| Average total loans | $153,852,500 | 2,650 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3286% | 3,042 |
| Cost of funding earning assets | 0.6931% | 3,506 |
| Net interest margin | 3.6355% | 1,956 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 1.1341% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.3804% | 277 |
| Return on assets (ROA) | 2.3804% | 271 |
| Pretax return on assets | 3.0459% | 196 |
| Return on Equity (ROE) | 15.1300% | 1,447 |
| Retained earnings to average equity (ytd only) | 11.9998% | 984 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 27.1322% | 4,558 |
| Assets per employee ($millions) | 8.5952% | 1,048 |
| Cash dividends to net income (ytd only)* | 20.6669% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 1,661 |
| Loan loss allowance to noncurrent loans | 9,145.4545% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 3,850 |
| Noncurrent loans to loans | 0.0149% | 3,665 |
| Net loans and leases to total assets | 24.1900% | 4,418 |
| Net loans and leases to deposits | 32.8422% | 4,358 |
| Net loans and leases to core deposits | 33.0763% | 4,372 |
| Total domestic deposits to total assets | 73.6600% | 4,215 |
| Equity capital to assets | 16.4405% | 410 |
| Core capital (leverage) ratio | 16.8517% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $609,812,333 | 1,452 |
| Average earning assets | $587,208,667 | 1,405 |
| Average equity | $95,968,333 | 967 |
| Average total loans | $150,819,333 | 2,665 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2550% | 2,911 |
| Cost of funding earning assets | 0.5835% | 3,430 |
| Net interest margin | 3.6715% | 1,964 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 1.1605% | 4,585 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4291% | 265 |
| Return on assets (ROA) | 2.4291% | 263 |
| Pretax return on assets | 3.1068% | 181 |
| Return on Equity (ROE) | 15.7800% | 1,406 |
| Retained earnings to average equity (ytd only) | 9.4313% | 1,828 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 27.1950% | 4,622 |
| Assets per employee ($millions) | 8.8991% | 976 |
| Cash dividends to net income (ytd only)* | 40.2361% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 1,599 |
| Loan loss allowance to noncurrent loans | 1,780.5310% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 3,631 |
| Noncurrent loans to loans | 0.0789% | 3,173 |
| Net loans and leases to total assets | 22.6700% | 4,490 |
| Net loans and leases to deposits | 29.7415% | 4,450 |
| Net loans and leases to core deposits | 29.9388% | 4,461 |
| Total domestic deposits to total assets | 76.2100% | 4,149 |
| Equity capital to assets | 15.3479% | 451 |
| Core capital (leverage) ratio | 15.9415% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $613,885,500 | 1,464 |
| Average earning assets | $589,511,500 | 1,420 |
| Average equity | $94,494,000 | 989 |
| Average total loans | $152,451,500 | 2,684 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7261% | 4,385 |
| Cost of funding earning assets | 0.1701% | 3,998 |
| Net interest margin | 2.5561% | 4,223 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 1.2509% | 4,583 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5380% | 799 |
| Return on assets (ROA) | 1.5380% | 773 |
| Pretax return on assets | 1.9773% | 502 |
| Return on Equity (ROE) | 11.0600% | 2,452 |
| Retained earnings to average equity (ytd only) | 11.0611% | 870 |
| Net charge-offs to loans | -0.0077% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 38.7494% | 4,564 |
| Assets per employee ($millions) | 8.5188% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 2,181 |
| Loan loss allowance to noncurrent loans | 201,200.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 3,972 |
| Noncurrent loans to loans | 0.0006% | 3,902 |
| Net loans and leases to total assets | 26.4000% | 4,468 |
| Net loans and leases to deposits | 34.4177% | 4,388 |
| Net loans and leases to core deposits | 34.6034% | 4,405 |
| Total domestic deposits to total assets | 76.7100% | 4,204 |
| Equity capital to assets | 15.4390% | 434 |
| Core capital (leverage) ratio | 16.0719% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $591,010,800 | 1,508 |
| Average earning assets | $572,168,400 | 1,446 |
| Average equity | $82,179,800 | 1,103 |
| Average total loans | $156,630,200 | 2,569 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3026% | 4,532 |
| Cost of funding earning assets | 0.1067% | 4,233 |
| Net interest margin | 2.1960% | 4,465 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 1.2177% | 4,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2433% | 1,544 |
| Return on assets (ROA) | 1.2433% | 1,515 |
| Pretax return on assets | 1.5842% | 1,161 |
| Return on Equity (ROE) | 9.2000% | 2,972 |
| Retained earnings to average equity (ytd only) | 9.2028% | 1,577 |
| Net charge-offs to loans | 0.0009% | 2,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 6,981.0000% | 11 |
| Efficiency ratio | 43.4599% | 4,478 |
| Assets per employee ($millions) | 8.4166% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 2,146 |
| Loan loss allowance to noncurrent loans | 2,221.1111% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,818 |
| Noncurrent loans to loans | 0.0574% | 3,471 |
| Net loans and leases to total assets | 25.8800% | 4,512 |
| Net loans and leases to deposits | 33.1780% | 4,433 |
| Net loans and leases to core deposits | 33.3561% | 4,459 |
| Total domestic deposits to total assets | 78.0200% | 4,256 |
| Equity capital to assets | 15.0217% | 453 |
| Core capital (leverage) ratio | 15.4030% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $587,555,500 | 1,524 |
| Average earning assets | $567,571,500 | 1,460 |
| Average equity | $79,379,750 | 1,152 |
| Average total loans | $155,363,500 | 2,584 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8646% | 4,650 |
| Cost of funding earning assets | 0.0740% | 4,430 |
| Net interest margin | 1.7906% | 4,630 |
| Noninterest income to average assets | 0.7076% | 1,303 |
| Noninterest expense to average assets | 1.2417% | 4,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9140% | 2,524 |
| Return on assets (ROA) | 0.9140% | 2,492 |
| Pretax return on assets | 1.1900% | 2,109 |
| Return on Equity (ROE) | 7.0339% | 3,305 |
| Retained earnings to average equity (ytd only) | 7.0339% | 1,981 |
| Net charge-offs to loans | 0.0013% | 2,089 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 3,476.0000% | 20 |
| Efficiency ratio | 51.0629% | 4,188 |
| Assets per employee ($millions) | 8.3427% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 1,944 |
| Loan loss allowance to noncurrent loans | 11,105.5556% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 4,035 |
| Noncurrent loans to loans | 0.0122% | 3,884 |
| Net loans and leases to total assets | 24.2614% | 4,588 |
| Net loans and leases to deposits | 31.4452% | 4,514 |
| Net loans and leases to core deposits | 31.6426% | 4,537 |
| Total domestic deposits to total assets | 77.1544% | 4,408 |
| Equity capital to assets | 14.9116% | 412 |
| Core capital (leverage) ratio | 15.1893% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $584,215,333 | 1,537 |
| Average earning assets | $562,494,333 | 1,488 |
| Average equity | $75,917,667 | 1,216 |
| Average total loans | $154,926,000 | 2,597 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6601% | 4,689 |
| Cost of funding earning assets | 0.0665% | 4,487 |
| Net interest margin | 1.5936% | 4,674 |
| Noninterest income to average assets | 0.6333% | 1,558 |
| Noninterest expense to average assets | 1.2695% | 4,639 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6806% | 3,126 |
| Return on assets (ROA) | 0.6806% | 3,114 |
| Pretax return on assets | 0.8945% | 2,799 |
| Return on Equity (ROE) | 5.6736% | 3,432 |
| Retained earnings to average equity (ytd only) | 5.6736% | 2,358 |
| Net charge-offs to loans | 0.0025% | 1,716 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,288.0000% | 60 |
| Efficiency ratio | 58.6650% | 3,616 |
| Assets per employee ($millions) | 8.6158% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 2,048 |
| Loan loss allowance to noncurrent loans | 2,562.8205% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 3,939 |
| Noncurrent loans to loans | 0.0533% | 3,602 |
| Net loans and leases to total assets | 23.2870% | 4,625 |
| Net loans and leases to deposits | 29.9200% | 4,554 |
| Net loans and leases to core deposits | 30.0151% | 4,578 |
| Total domestic deposits to total assets | 77.8308% | 4,416 |
| Equity capital to assets | 14.3136% | 477 |
| Core capital (leverage) ratio | 15.4052% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $575,985,500 | 1,568 |
| Average earning assets | $553,215,000 | 1,522 |
| Average equity | $69,091,500 | 1,345 |
| Average total loans | $158,523,500 | 2,564 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1320% | 4,644 |
| Cost of funding earning assets | 0.0828% | 4,514 |
| Net interest margin | 2.0491% | 4,573 |
| Noninterest income to average assets | 0.7803% | 1,508 |
| Noninterest expense to average assets | 1.2465% | 4,699 |
| Loan and lease loss provision to assets | -0.3818% | 4,801 |
| Net operating income to assets | 1.4743% | 1,075 |
| Return on assets (ROA) | 1.4739% | 1,132 |
| Pretax return on assets | 1.8923% | 735 |
| Return on Equity (ROE) | 10.6155% | 2,304 |
| Retained earnings to average equity (ytd only) | -44.7929% | 4,832 |
| Net charge-offs to loans | -0.0944% | 4,567 |
| Credit loss provision to net charge-offs | 1,308.4848% | 436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2027% | 4,531 |
| Assets per employee ($millions) | 7.0885% | 1,871 |
| Cash dividends to net income (ytd only)* | 521.9582% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 3,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 31.7117% | 4,457 |
| Net loans and leases to deposits | 38.0573% | 4,400 |
| Net loans and leases to core deposits | 38.1896% | 4,455 |
| Total domestic deposits to total assets | 83.3260% | 3,732 |
| Equity capital to assets | 9.2904% | 3,328 |
| Core capital (leverage) ratio | 8.8140% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $565,443,200 | 1,528 |
| Average earning assets | $545,598,800 | 1,479 |
| Average equity | $78,508,000 | 1,223 |
| Average total loans | $174,718,400 | 2,424 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1981% | 4,715 |
| Cost of funding earning assets | 0.0866% | 4,600 |
| Net interest margin | 2.1116% | 4,620 |
| Noninterest income to average assets | 0.7258% | 1,749 |
| Noninterest expense to average assets | 1.1015% | 4,814 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2918% | 1,847 |
| Return on assets (ROA) | 1.2913% | 1,907 |
| Pretax return on assets | 1.6641% | 1,508 |
| Return on Equity (ROE) | 8.6382% | 3,216 |
| Retained earnings to average equity (ytd only) | 3.1985% | 3,829 |
| Net charge-offs to loans | -0.1252% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8169% | 4,728 |
| Assets per employee ($millions) | 7.7290% | 1,431 |
| Cash dividends to net income (ytd only)* | 62.9723% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4020% | 334 |
| Loan loss allowance to noncurrent loans | 34,658.3333% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,269 |
| Noncurrent loans to loans | 0.0069% | 4,152 |
| Net loans and leases to total assets | 29.9509% | 4,591 |
| Net loans and leases to deposits | 39.6944% | 4,461 |
| Net loans and leases to core deposits | 39.8854% | 4,517 |
| Total domestic deposits to total assets | 75.4537% | 4,576 |
| Equity capital to assets | 15.4533% | 474 |
| Core capital (leverage) ratio | 15.0997% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $573,894,750 | 1,523 |
| Average earning assets | $554,576,500 | 1,482 |
| Average equity | $85,787,250 | 1,160 |
| Average total loans | $175,750,250 | 2,454 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3515% | 4,696 |
| Cost of funding earning assets | 0.0914% | 4,628 |
| Net interest margin | 2.2601% | 4,553 |
| Noninterest income to average assets | 0.6830% | 1,879 |
| Noninterest expense to average assets | 0.8487% | 4,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5717% | 1,113 |
| Return on assets (ROA) | 1.5709% | 1,176 |
| Pretax return on assets | 2.0179% | 813 |
| Return on Equity (ROE) | 10.6259% | 2,552 |
| Retained earnings to average equity (ytd only) | 2.4215% | 4,014 |
| Net charge-offs to loans | -0.1868% | 4,784 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.5952% | 4,897 |
| Assets per employee ($millions) | 7.9848% | 1,216 |
| Cash dividends to net income (ytd only)* | 77.2116% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4185% | 305 |
| Loan loss allowance to noncurrent loans | 512.1921% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 3,319 |
| Noncurrent loans to loans | 0.4722% | 2,259 |
| Net loans and leases to total assets | 28.7888% | 4,690 |
| Net loans and leases to deposits | 38.1991% | 4,577 |
| Net loans and leases to core deposits | 38.3778% | 4,618 |
| Total domestic deposits to total assets | 75.3651% | 4,595 |
| Equity capital to assets | 14.7883% | 567 |
| Core capital (leverage) ratio | 14.7361% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $577,121,000 | 1,506 |
| Average earning assets | $557,862,667 | 1,467 |
| Average equity | $85,319,667 | 1,159 |
| Average total loans | $176,618,000 | 2,461 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5380% | 4,622 |
| Cost of funding earning assets | 0.0979% | 4,660 |
| Net interest margin | 2.4401% | 4,374 |
| Noninterest income to average assets | 0.6548% | 2,012 |
| Noninterest expense to average assets | 1.1974% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4136% | 1,535 |
| Return on assets (ROA) | 1.4120% | 1,609 |
| Pretax return on assets | 1.8167% | 1,261 |
| Return on Equity (ROE) | 9.5524% | 2,837 |
| Retained earnings to average equity (ytd only) | 9.5524% | 1,785 |
| Net charge-offs to loans | -0.3286% | 4,858 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6998% | 4,751 |
| Assets per employee ($millions) | 7.9344% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3675% | 322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 29.0841% | 4,722 |
| Net loans and leases to deposits | 37.4794% | 4,642 |
| Net loans and leases to core deposits | 37.6482% | 4,675 |
| Total domestic deposits to total assets | 77.6001% | 4,466 |
| Equity capital to assets | 14.4077% | 590 |
| Core capital (leverage) ratio | 14.7145% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $574,235,000 | 1,503 |
| Average earning assets | $555,720,000 | 1,457 |
| Average equity | $84,879,500 | 1,149 |
| Average total loans | $178,943,500 | 2,444 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7487% | 4,774 |
| Cost of funding earning assets | 0.2036% | 4,572 |
| Net interest margin | 2.5451% | 4,548 |
| Noninterest income to average assets | 0.7568% | 1,666 |
| Noninterest expense to average assets | 1.7308% | 4,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0587% | 2,071 |
| Return on assets (ROA) | 1.1053% | 2,024 |
| Pretax return on assets | 1.5264% | 1,252 |
| Return on Equity (ROE) | 7.0574% | 3,189 |
| Retained earnings to average equity (ytd only) | 7.0574% | 1,376 |
| Net charge-offs to loans | 0.0083% | 3,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 494.4375% | 238 |
| Efficiency ratio | 42.2051% | 4,827 |
| Assets per employee ($millions) | 7.4843% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1828% | 425 |
| Loan loss allowance to noncurrent loans | 1,657.2614% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 3,938 |
| Noncurrent loans to loans | 0.1317% | 3,754 |
| Net loans and leases to total assets | 31.8864% | 4,708 |
| Net loans and leases to deposits | 42.2037% | 4,594 |
| Net loans and leases to core deposits | 42.4616% | 4,643 |
| Total domestic deposits to total assets | 75.5535% | 4,535 |
| Equity capital to assets | 15.1722% | 547 |
| Core capital (leverage) ratio | 15.2816% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $539,108,000 | 1,457 |
| Average earning assets | $517,144,400 | 1,416 |
| Average equity | $84,436,200 | 1,108 |
| Average total loans | $193,258,200 | 2,303 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9359% | 4,775 |
| Cost of funding earning assets | 0.2209% | 4,603 |
| Net interest margin | 2.7150% | 4,449 |
| Noninterest income to average assets | 0.7074% | 1,776 |
| Noninterest expense to average assets | 1.8327% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0355% | 2,205 |
| Return on assets (ROA) | 1.0983% | 2,115 |
| Pretax return on assets | 1.5531% | 1,316 |
| Return on Equity (ROE) | 6.9550% | 3,218 |
| Retained earnings to average equity (ytd only) | 6.9550% | 1,715 |
| Net charge-offs to loans | 0.0061% | 2,919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 655.2222% | 186 |
| Efficiency ratio | 39.9063% | 4,895 |
| Assets per employee ($millions) | 7.2759% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9471% | 545 |
| Loan loss allowance to noncurrent loans | 498.2565% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 3,515 |
| Noncurrent loans to loans | 0.3908% | 2,893 |
| Net loans and leases to total assets | 36.4369% | 4,664 |
| Net loans and leases to deposits | 50.0647% | 4,485 |
| Net loans and leases to core deposits | 50.8492% | 4,555 |
| Total domestic deposits to total assets | 72.7797% | 4,652 |
| Equity capital to assets | 15.4723% | 543 |
| Core capital (leverage) ratio | 15.5379% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $533,554,000 | 1,453 |
| Average earning assets | $510,726,250 | 1,417 |
| Average equity | $84,254,000 | 1,097 |
| Average total loans | $195,827,750 | 2,271 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2149% | 4,708 |
| Cost of funding earning assets | 0.2574% | 4,602 |
| Net interest margin | 2.9575% | 4,214 |
| Noninterest income to average assets | 0.6860% | 1,791 |
| Noninterest expense to average assets | 2.1579% | 3,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8845% | 2,756 |
| Return on assets (ROA) | 0.8845% | 2,871 |
| Pretax return on assets | 1.3531% | 1,854 |
| Return on Equity (ROE) | 5.5619% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.5619% | 2,255 |
| Net charge-offs to loans | 0.0093% | 2,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 396.2222% | 258 |
| Efficiency ratio | 39.2629% | 4,932 |
| Assets per employee ($millions) | 6.6900% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0501% | 407 |
| Loan loss allowance to noncurrent loans | 66.5613% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.1336% | 992 |
| Noncurrent loans to loans | 3.0800% | 304 |
| Net loans and leases to total assets | 34.8460% | 4,758 |
| Net loans and leases to deposits | 46.7674% | 4,628 |
| Net loans and leases to core deposits | 47.5448% | 4,678 |
| Total domestic deposits to total assets | 74.5091% | 4,558 |
| Equity capital to assets | 15.2586% | 578 |
| Core capital (leverage) ratio | 15.4861% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $527,082,333 | 1,444 |
| Average earning assets | $503,470,000 | 1,412 |
| Average equity | $83,819,667 | 1,098 |
| Average total loans | $192,608,333 | 2,276 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2990% | 4,812 |
| Cost of funding earning assets | 0.3338% | 4,566 |
| Net interest margin | 2.9652% | 4,339 |
| Noninterest income to average assets | 0.6965% | 1,665 |
| Noninterest expense to average assets | 1.5393% | 4,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5254% | 734 |
| Return on assets (ROA) | 1.5254% | 803 |
| Pretax return on assets | 1.9786% | 471 |
| Return on Equity (ROE) | 9.3900% | 1,962 |
| Retained earnings to average equity (ytd only) | 9.3900% | 874 |
| Net charge-offs to loans | 0.0209% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 255.4000% | 272 |
| Efficiency ratio | 41.4887% | 4,957 |
| Assets per employee ($millions) | 6.1784% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1858% | 384 |
| Loan loss allowance to noncurrent loans | 610.6870% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 3,996 |
| Noncurrent loans to loans | 0.3579% | 3,213 |
| Net loans and leases to total assets | 34.9053% | 4,816 |
| Net loans and leases to deposits | 46.5222% | 4,706 |
| Net loans and leases to core deposits | 47.6770% | 4,736 |
| Total domestic deposits to total assets | 75.0293% | 4,585 |
| Equity capital to assets | 16.4910% | 509 |
| Core capital (leverage) ratio | 16.1820% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $516,332,000 | 1,430 |
| Average earning assets | $491,307,000 | 1,403 |
| Average equity | $83,876,500 | 1,101 |
| Average total loans | $191,332,500 | 2,250 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8564% | 4,497 |
| Cost of funding earning assets | 0.4545% | 4,261 |
| Net interest margin | 3.4019% | 3,741 |
| Noninterest income to average assets | 0.7802% | 1,515 |
| Noninterest expense to average assets | 1.5660% | 4,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.9009% | 426 |
| Return on assets (ROA) | 1.9185% | 433 |
| Pretax return on assets | 2.4677% | 222 |
| Return on Equity (ROE) | 12.6726% | 1,282 |
| Retained earnings to average equity (ytd only) | 12.6726% | 186 |
| Net charge-offs to loans | 0.0310% | 2,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 198.4375% | 403 |
| Efficiency ratio | 37.0662% | 5,099 |
| Assets per employee ($millions) | 5.9075% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0083% | 454 |
| Loan loss allowance to noncurrent loans | 844.2105% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 4,174 |
| Noncurrent loans to loans | 0.2379% | 3,593 |
| Net loans and leases to total assets | 37.6370% | 4,803 |
| Net loans and leases to deposits | 50.3578% | 4,674 |
| Net loans and leases to core deposits | 51.6716% | 4,718 |
| Total domestic deposits to total assets | 74.7392% | 4,720 |
| Equity capital to assets | 16.0017% | 603 |
| Core capital (leverage) ratio | 15.9214% | 532 |
| Tier 1 risk-based capital ratio | 25.9240% | 686 |
| Total risk-based capital ratio | 27.1743% | 667 |
| Memoranda: | ||
| Average total assets | $519,350,600 | 1,375 |
| Average earning assets | $493,284,000 | 1,344 |
| Average equity | $78,626,600 | 1,106 |
| Average total loans | $206,304,600 | 2,119 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9506% | 4,456 |
| Cost of funding earning assets | 0.4759% | 4,238 |
| Net interest margin | 3.4746% | 3,649 |
| Noninterest income to average assets | 0.7568% | 1,572 |
| Noninterest expense to average assets | 1.5366% | 5,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9617% | 429 |
| Return on assets (ROA) | 1.9852% | 424 |
| Pretax return on assets | 2.5550% | 225 |
| Return on Equity (ROE) | 13.3026% | 1,176 |
| Retained earnings to average equity (ytd only) | 13.3026% | 255 |
| Net charge-offs to loans | -0.0051% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8832% | 5,178 |
| Assets per employee ($millions) | 5.8558% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9834% | 484 |
| Loan loss allowance to noncurrent loans | 150.9427% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 2,429 |
| Noncurrent loans to loans | 1.3140% | 1,177 |
| Net loans and leases to total assets | 39.1572% | 4,841 |
| Net loans and leases to deposits | 53.4512% | 4,652 |
| Net loans and leases to core deposits | 55.0106% | 4,718 |
| Total domestic deposits to total assets | 73.2579% | 4,850 |
| Equity capital to assets | 15.7923% | 677 |
| Core capital (leverage) ratio | 15.3919% | 661 |
| Tier 1 risk-based capital ratio | 24.0650% | 835 |
| Total risk-based capital ratio | 25.3051% | 822 |
| Memoranda: | ||
| Average total assets | $519,224,250 | 1,384 |
| Average earning assets | $493,890,250 | 1,348 |
| Average equity | $77,486,750 | 1,117 |
| Average total loans | $207,963,750 | 2,122 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9990% | 4,378 |
| Cost of funding earning assets | 0.4742% | 4,233 |
| Net interest margin | 3.5248% | 3,516 |
| Noninterest income to average assets | 0.7134% | 1,664 |
| Noninterest expense to average assets | 1.5382% | 5,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0625% | 351 |
| Return on assets (ROA) | 2.0641% | 365 |
| Pretax return on assets | 2.5270% | 228 |
| Return on Equity (ROE) | 14.0882% | 960 |
| Retained earnings to average equity (ytd only) | 14.0882% | 223 |
| Net charge-offs to loans | -0.0153% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9176% | 5,221 |
| Assets per employee ($millions) | 6.2832% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0530% | 427 |
| Loan loss allowance to noncurrent loans | 162.7537% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 2,592 |
| Noncurrent loans to loans | 1.2614% | 1,260 |
| Net loans and leases to total assets | 37.8732% | 4,920 |
| Net loans and leases to deposits | 50.6823% | 4,782 |
| Net loans and leases to core deposits | 52.2741% | 4,814 |
| Total domestic deposits to total assets | 74.7266% | 4,785 |
| Equity capital to assets | 15.3395% | 738 |
| Core capital (leverage) ratio | 14.9316% | 718 |
| Tier 1 risk-based capital ratio | 24.5356% | 800 |
| Total risk-based capital ratio | 25.7865% | 777 |
| Memoranda: | ||
| Average total assets | $520,617,000 | 1,378 |
| Average earning assets | $494,773,330 | 1,351 |
| Average equity | $76,276,330 | 1,124 |
| Average total loans | $208,664,000 | 2,124 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 4,250 |
| Cost of funding earning assets | 0.4636% | 4,227 |
| Net interest margin | 3.5917% | 3,279 |
| Noninterest income to average assets | 0.7078% | 1,582 |
| Noninterest expense to average assets | 1.4706% | 5,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0554% | 353 |
| Return on assets (ROA) | 2.0554% | 367 |
| Pretax return on assets | 2.6424% | 196 |
| Return on Equity (ROE) | 14.3609% | 885 |
| Retained earnings to average equity (ytd only) | 14.3609% | 326 |
| Net charge-offs to loans | -0.0150% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8599% | 5,295 |
| Assets per employee ($millions) | 6.0482% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9822% | 518 |
| Loan loss allowance to noncurrent loans | 162.5647% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4828% | 2,681 |
| Noncurrent loans to loans | 1.2193% | 1,350 |
| Net loans and leases to total assets | 38.8068% | 4,929 |
| Net loans and leases to deposits | 50.8370% | 4,794 |
| Net loans and leases to core deposits | 52.3926% | 4,830 |
| Total domestic deposits to total assets | 76.3356% | 4,724 |
| Equity capital to assets | 14.6623% | 832 |
| Core capital (leverage) ratio | 14.4456% | 829 |
| Tier 1 risk-based capital ratio | 22.7770% | 961 |
| Total risk-based capital ratio | 24.0271% | 937 |
| Memoranda: | ||
| Average total assets | $523,313,000 | 1,378 |
| Average earning assets | $496,149,500 | 1,347 |
| Average equity | $74,898,000 | 1,137 |
| Average total loans | $213,385,000 | 2,109 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4649% | 4,952 |
| Cost of funding earning assets | 0.3380% | 4,361 |
| Net interest margin | 3.1269% | 4,617 |
| Noninterest income to average assets | 0.7736% | 1,556 |
| Noninterest expense to average assets | 1.5897% | 5,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.0083% | 357 |
| Return on assets (ROA) | 2.0083% | 354 |
| Pretax return on assets | 2.1673% | 381 |
| Return on Equity (ROE) | 12.6132% | 1,504 |
| Retained earnings to average equity (ytd only) | -43.8401% | 5,393 |
| Net charge-offs to loans | 0.0885% | 1,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 61.2944% | 1,008 |
| Efficiency ratio | 37.3591% | 5,312 |
| Assets per employee ($millions) | 5.9828% | 1,529 |
| Cash dividends to net income (ytd only)* | 447.5735% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 629 |
| Loan loss allowance to noncurrent loans | 247.5091% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 3,304 |
| Noncurrent loans to loans | 0.7453% | 2,132 |
| Net loans and leases to total assets | 41.1720% | 4,907 |
| Net loans and leases to deposits | 54.7985% | 4,715 |
| Net loans and leases to core deposits | 56.5413% | 4,761 |
| Total domestic deposits to total assets | 75.1334% | 4,861 |
| Equity capital to assets | 13.9665% | 981 |
| Core capital (leverage) ratio | 14.0596% | 909 |
| Tier 1 risk-based capital ratio | 22.1699% | 1,006 |
| Total risk-based capital ratio | 23.4200% | 986 |
| Memoranda: | ||
| Average total assets | $557,133,000 | 1,276 |
| Average earning assets | $531,587,000 | 1,247 |
| Average equity | $88,708,800 | 949 |
| Average total loans | $222,660,600 | 2,003 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3694% | 5,064 |
| Cost of funding earning assets | 0.3124% | 4,429 |
| Net interest margin | 3.0570% | 4,773 |
| Noninterest income to average assets | 0.7228% | 1,782 |
| Noninterest expense to average assets | 1.5847% | 5,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0266% | 355 |
| Return on assets (ROA) | 2.0266% | 354 |
| Pretax return on assets | 2.0628% | 530 |
| Return on Equity (ROE) | 12.3740% | 1,651 |
| Retained earnings to average equity (ytd only) | -59.8076% | 5,470 |
| Net charge-offs to loans | 0.1219% | 1,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 42.8339% | 1,297 |
| Efficiency ratio | 37.8228% | 5,373 |
| Assets per employee ($millions) | 5.9443% | 1,531 |
| Cash dividends to net income (ytd only)* | 583.3314% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 752 |
| Loan loss allowance to noncurrent loans | 194.6865% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 3,067 |
| Noncurrent loans to loans | 0.9144% | 1,870 |
| Net loans and leases to total assets | 43.3901% | 4,904 |
| Net loans and leases to deposits | 55.7832% | 4,760 |
| Net loans and leases to core deposits | 57.6407% | 4,801 |
| Total domestic deposits to total assets | 77.7834% | 4,514 |
| Equity capital to assets | 11.6582% | 2,142 |
| Core capital (leverage) ratio | 10.6501% | 2,939 |
| Tier 1 risk-based capital ratio | 17.0785% | 2,077 |
| Total risk-based capital ratio | 18.2743% | 2,045 |
| Memoranda: | ||
| Average total assets | $564,795,750 | 1,261 |
| Average earning assets | $540,344,500 | 1,238 |
| Average equity | $92,503,250 | 908 |
| Average total loans | $223,116,500 | 2,005 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2076% | 5,216 |
| Cost of funding earning assets | 0.2945% | 4,452 |
| Net interest margin | 2.9130% | 4,996 |
| Noninterest income to average assets | 0.7112% | 1,827 |
| Noninterest expense to average assets | 1.4890% | 5,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9701% | 403 |
| Return on assets (ROA) | 1.9701% | 401 |
| Pretax return on assets | 2.0052% | 599 |
| Return on Equity (ROE) | 11.0809% | 2,077 |
| Retained earnings to average equity (ytd only) | 5.3487% | 2,908 |
| Net charge-offs to loans | 0.0985% | 1,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 53.4128% | 1,076 |
| Efficiency ratio | 39.0143% | 5,417 |
| Assets per employee ($millions) | 6.4373% | 1,200 |
| Cash dividends to net income (ytd only)* | 51.7308% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9004% | 632 |
| Loan loss allowance to noncurrent loans | 115.8686% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.6341% | 2,323 |
| Noncurrent loans to loans | 1.6402% | 980 |
| Net loans and leases to total assets | 37.9256% | 5,126 |
| Net loans and leases to deposits | 53.9966% | 4,844 |
| Net loans and leases to core deposits | 55.7247% | 4,877 |
| Total domestic deposits to total assets | 70.2370% | 5,268 |
| Equity capital to assets | 18.4567% | 293 |
| Core capital (leverage) ratio | 17.8526% | 321 |
| Tier 1 risk-based capital ratio | 30.5130% | 460 |
| Total risk-based capital ratio | 31.7601% | 455 |
| Memoranda: | ||
| Average total assets | $580,676,000 | 1,243 |
| Average earning assets | $554,745,670 | 1,210 |
| Average equity | $103,240,670 | 829 |
| Average total loans | $221,335,000 | 2,020 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0805% | 5,328 |
| Cost of funding earning assets | 0.2826% | 4,483 |
| Net interest margin | 2.7979% | 5,161 |
| Noninterest income to average assets | 0.7357% | 1,680 |
| Noninterest expense to average assets | 1.4516% | 5,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9164% | 434 |
| Return on assets (ROA) | 1.9164% | 434 |
| Pretax return on assets | 1.9518% | 640 |
| Return on Equity (ROE) | 10.9802% | 1,980 |
| Retained earnings to average equity (ytd only) | 5.1431% | 3,103 |
| Net charge-offs to loans | -0.0144% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0122% | 5,479 |
| Assets per employee ($millions) | 6.5391% | 1,181 |
| Cash dividends to net income (ytd only)* | 53.1605% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0019% | 546 |
| Loan loss allowance to noncurrent loans | 364.0851% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 4,072 |
| Noncurrent loans to loans | 0.5498% | 2,877 |
| Net loans and leases to total assets | 35.9846% | 5,209 |
| Net loans and leases to deposits | 49.9404% | 4,961 |
| Net loans and leases to core deposits | 51.5837% | 4,994 |
| Total domestic deposits to total assets | 72.0550% | 5,282 |
| Equity capital to assets | 17.7294% | 338 |
| Core capital (leverage) ratio | 17.4498% | 347 |
| Tier 1 risk-based capital ratio | 30.0852% | 467 |
| Total risk-based capital ratio | 31.3357% | 463 |
| Memoranda: | ||
| Average total assets | $587,775,000 | 1,238 |
| Average earning assets | $560,419,500 | 1,207 |
| Average equity | $102,584,500 | 834 |
| Average total loans | $222,501,500 | 2,018 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8836% | 5,424 |
| Cost of funding earning assets | 0.2056% | 4,899 |
| Net interest margin | 2.6780% | 5,289 |
| Noninterest income to average assets | 0.6887% | 2,013 |
| Noninterest expense to average assets | 1.5036% | 5,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7143% | 511 |
| Return on assets (ROA) | 1.7143% | 527 |
| Pretax return on assets | 1.7424% | 913 |
| Return on Equity (ROE) | 10.3251% | 1,762 |
| Retained earnings to average equity (ytd only) | 5.2436% | 1,970 |
| Net charge-offs to loans | -0.0137% | 4,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5755% | 5,485 |
| Assets per employee ($millions) | 6.6693% | 1,117 |
| Cash dividends to net income (ytd only)* | 49.2155% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8461% | 714 |
| Loan loss allowance to noncurrent loans | 646.9697% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 4,577 |
| Noncurrent loans to loans | 0.2853% | 3,758 |
| Net loans and leases to total assets | 38.2486% | 5,209 |
| Net loans and leases to deposits | 55.2816% | 4,837 |
| Net loans and leases to core deposits | 57.1856% | 4,889 |
| Total domestic deposits to total assets | 69.1887% | 5,437 |
| Equity capital to assets | 17.1821% | 381 |
| Core capital (leverage) ratio | 16.9025% | 375 |
| Tier 1 risk-based capital ratio | 29.7834% | 469 |
| Total risk-based capital ratio | 31.0337% | 462 |
| Memoranda: | ||
| Average total assets | $598,547,400 | 1,196 |
| Average earning assets | $571,586,800 | 1,157 |
| Average equity | $99,379,000 | 834 |
| Average total loans | $226,564,800 | 1,954 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8318% | 5,510 |
| Cost of funding earning assets | 0.1870% | 5,079 |
| Net interest margin | 2.6447% | 5,373 |
| Noninterest income to average assets | 0.6524% | 2,198 |
| Noninterest expense to average assets | 1.4582% | 5,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6965% | 581 |
| Return on assets (ROA) | 1.6965% | 596 |
| Pretax return on assets | 1.7246% | 1,063 |
| Return on Equity (ROE) | 10.3070% | 1,983 |
| Retained earnings to average equity (ytd only) | 5.0819% | 2,828 |
| Net charge-offs to loans | -0.0136% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0031% | 5,535 |
| Assets per employee ($millions) | 6.4862% | 1,190 |
| Cash dividends to net income (ytd only)* | 50.6944% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 850 |
| Loan loss allowance to noncurrent loans | 416.2109% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 4,424 |
| Noncurrent loans to loans | 0.4336% | 3,406 |
| Net loans and leases to total assets | 38.4428% | 5,248 |
| Net loans and leases to deposits | 57.6623% | 4,780 |
| Net loans and leases to core deposits | 59.8365% | 4,825 |
| Total domestic deposits to total assets | 66.6689% | 5,571 |
| Equity capital to assets | 16.6951% | 458 |
| Core capital (leverage) ratio | 16.4914% | 432 |
| Tier 1 risk-based capital ratio | 28.8635% | 527 |
| Total risk-based capital ratio | 30.1138% | 517 |
| Memoranda: | ||
| Average total assets | $599,792,500 | 1,201 |
| Average earning assets | $573,854,750 | 1,166 |
| Average equity | $98,727,000 | 840 |
| Average total loans | $225,380,750 | 1,971 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7563% | 5,578 |
| Cost of funding earning assets | 0.1768% | 5,165 |
| Net interest margin | 2.5794% | 5,451 |
| Noninterest income to average assets | 0.6645% | 2,148 |
| Noninterest expense to average assets | 1.4633% | 5,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6420% | 635 |
| Return on assets (ROA) | 1.6420% | 657 |
| Pretax return on assets | 1.6671% | 1,133 |
| Return on Equity (ROE) | 10.0238% | 2,027 |
| Retained earnings to average equity (ytd only) | 4.8294% | 2,825 |
| Net charge-offs to loans | -0.0135% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8602% | 5,554 |
| Assets per employee ($millions) | 6.3544% | 1,228 |
| Cash dividends to net income (ytd only)* | 51.8210% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9166% | 700 |
| Loan loss allowance to noncurrent loans | 556.9372% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 4,669 |
| Noncurrent loans to loans | 0.3441% | 3,808 |
| Net loans and leases to total assets | 36.8469% | 5,345 |
| Net loans and leases to deposits | 52.6237% | 5,033 |
| Net loans and leases to core deposits | 54.4429% | 5,071 |
| Total domestic deposits to total assets | 70.0196% | 5,533 |
| Equity capital to assets | 16.8005% | 431 |
| Core capital (leverage) ratio | 16.2097% | 452 |
| Tier 1 risk-based capital ratio | 27.4301% | 583 |
| Total risk-based capital ratio | 28.6512% | 574 |
| Memoranda: | ||
| Average total assets | $598,650,670 | 1,205 |
| Average earning assets | $572,299,000 | 1,177 |
| Average equity | $98,066,670 | 842 |
| Average total loans | $221,789,000 | 1,996 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7135% | 5,641 |
| Cost of funding earning assets | 0.1723% | 5,218 |
| Net interest margin | 2.5412% | 5,511 |
| Noninterest income to average assets | 0.6759% | 2,059 |
| Noninterest expense to average assets | 1.4420% | 5,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6452% | 616 |
| Return on assets (ROA) | 1.6452% | 631 |
| Pretax return on assets | 1.6618% | 1,089 |
| Return on Equity (ROE) | 10.1705% | 1,892 |
| Retained earnings to average equity (ytd only) | 5.2166% | 2,778 |
| Net charge-offs to loans | -0.0126% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5668% | 5,637 |
| Assets per employee ($millions) | 6.3463% | 1,264 |
| Cash dividends to net income (ytd only)* | 48.7086% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0215% | 649 |
| Loan loss allowance to noncurrent loans | 1,241.8129% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 5,062 |
| Noncurrent loans to loans | 0.1628% | 4,532 |
| Net loans and leases to total assets | 34.5060% | 5,453 |
| Net loans and leases to deposits | 47.1019% | 5,260 |
| Net loans and leases to core deposits | 48.7462% | 5,271 |
| Total domestic deposits to total assets | 73.2583% | 5,471 |
| Equity capital to assets | 16.4527% | 436 |
| Core capital (leverage) ratio | 15.9559% | 470 |
| Tier 1 risk-based capital ratio | 25.3857% | 742 |
| Total risk-based capital ratio | 26.5288% | 734 |
| Memoranda: | ||
| Average total assets | $602,496,500 | 1,205 |
| Average earning assets | $575,640,000 | 1,170 |
| Average equity | $97,458,000 | 844 |
| Average total loans | $221,681,000 | 2,013 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7660% | 5,663 |
| Cost of funding earning assets | 0.1509% | 5,419 |
| Net interest margin | 2.6151% | 5,499 |
| Noninterest income to average assets | 0.6775% | 2,281 |
| Noninterest expense to average assets | 1.4373% | 5,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6949% | 553 |
| Return on assets (ROA) | 1.6949% | 576 |
| Pretax return on assets | 1.7332% | 924 |
| Return on Equity (ROE) | 10.6841% | 1,698 |
| Retained earnings to average equity (ytd only) | 5.5417% | 1,990 |
| Net charge-offs to loans | -0.0670% | 5,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4807% | 5,760 |
| Assets per employee ($millions) | 6.6862% | 1,055 |
| Cash dividends to net income (ytd only)* | 48.1313% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8176% | 923 |
| Loan loss allowance to noncurrent loans | 1,766.6667% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 5,202 |
| Noncurrent loans to loans | 0.1029% | 4,820 |
| Net loans and leases to total assets | 37.6419% | 5,413 |
| Net loans and leases to deposits | 53.5113% | 5,037 |
| Net loans and leases to core deposits | 55.4265% | 5,074 |
| Total domestic deposits to total assets | 70.3437% | 5,650 |
| Equity capital to assets | 15.9041% | 507 |
| Core capital (leverage) ratio | 15.8515% | 479 |
| Tier 1 risk-based capital ratio | 26.5529% | 657 |
| Total risk-based capital ratio | 27.7637% | 638 |
| Memoranda: | ||
| Average total assets | $595,144,600 | 1,175 |
| Average earning assets | $567,356,200 | 1,142 |
| Average equity | $94,411,000 | 852 |
| Average total loans | $232,742,200 | 1,886 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7801% | 5,725 |
| Cost of funding earning assets | 0.1438% | 5,517 |
| Net interest margin | 2.6362% | 5,561 |
| Noninterest income to average assets | 0.6475% | 2,434 |
| Noninterest expense to average assets | 1.4331% | 5,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6903% | 602 |
| Return on assets (ROA) | 1.6903% | 644 |
| Pretax return on assets | 1.7289% | 1,039 |
| Return on Equity (ROE) | 10.6625% | 1,799 |
| Retained earnings to average equity (ytd only) | 5.4400% | 2,524 |
| Net charge-offs to loans | -0.0848% | 5,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3609% | 5,801 |
| Assets per employee ($millions) | 6.2114% | 1,288 |
| Cash dividends to net income (ytd only)* | 48.9804% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7811% | 1,042 |
| Loan loss allowance to noncurrent loans | 1,055.3616% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 5,159 |
| Noncurrent loans to loans | 0.1688% | 4,684 |
| Net loans and leases to total assets | 40.4005% | 5,361 |
| Net loans and leases to deposits | 56.5779% | 4,960 |
| Net loans and leases to core deposits | 58.6789% | 5,014 |
| Total domestic deposits to total assets | 71.4070% | 5,624 |
| Equity capital to assets | 16.5863% | 475 |
| Core capital (leverage) ratio | 15.7283% | 522 |
| Tier 1 risk-based capital ratio | 24.4686% | 861 |
| Total risk-based capital ratio | 25.6022% | 858 |
| Memoranda: | ||
| Average total assets | $591,819,500 | 1,177 |
| Average earning assets | $564,483,750 | 1,147 |
| Average equity | $93,821,750 | 853 |
| Average total loans | $232,610,250 | 1,889 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7696% | 5,813 |
| Cost of funding earning assets | 0.1368% | 5,634 |
| Net interest margin | 2.6327% | 5,636 |
| Noninterest income to average assets | 0.6347% | 2,444 |
| Noninterest expense to average assets | 1.4370% | 5,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6686% | 618 |
| Return on assets (ROA) | 1.6686% | 655 |
| Pretax return on assets | 1.7068% | 1,074 |
| Return on Equity (ROE) | 10.6850% | 1,771 |
| Retained earnings to average equity (ytd only) | 5.3286% | 2,530 |
| Net charge-offs to loans | -0.1212% | 5,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7618% | 5,869 |
| Assets per employee ($millions) | 6.1810% | 1,278 |
| Cash dividends to net income (ytd only)* | 50.1306% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8759% | 936 |
| Loan loss allowance to noncurrent loans | 2,144.1624% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 5,457 |
| Noncurrent loans to loans | 0.0875% | 5,102 |
| Net loans and leases to total assets | 37.2353% | 5,549 |
| Net loans and leases to deposits | 52.1423% | 5,242 |
| Net loans and leases to core deposits | 54.1329% | 5,272 |
| Total domestic deposits to total assets | 71.4109% | 5,704 |
| Equity capital to assets | 15.9311% | 557 |
| Core capital (leverage) ratio | 15.2504% | 563 |
| Tier 1 risk-based capital ratio | 25.1964% | 795 |
| Total risk-based capital ratio | 26.3810% | 784 |
| Memoranda: | ||
| Average total assets | $596,540,000 | 1,182 |
| Average earning assets | $568,532,330 | 1,146 |
| Average equity | $93,158,330 | 858 |
| Average total loans | $230,944,000 | 1,901 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7263% | 5,895 |
| Cost of funding earning assets | 0.1352% | 5,715 |
| Net interest margin | 2.5911% | 5,729 |
| Noninterest income to average assets | 0.6313% | 2,360 |
| Noninterest expense to average assets | 1.4372% | 5,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6171% | 678 |
| Return on assets (ROA) | 1.6171% | 722 |
| Pretax return on assets | 1.6552% | 1,172 |
| Return on Equity (ROE) | 10.4594% | 1,792 |
| Retained earnings to average equity (ytd only) | 5.8526% | 2,445 |
| Net charge-offs to loans | -0.2275% | 5,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5173% | 5,906 |
| Assets per employee ($millions) | 6.1865% | 1,282 |
| Cash dividends to net income (ytd only)* | 44.0447% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 942 |
| Loan loss allowance to noncurrent loans | 528.4461% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 5,037 |
| Noncurrent loans to loans | 0.3625% | 4,131 |
| Net loans and leases to total assets | 36.3534% | 5,619 |
| Net loans and leases to deposits | 49.2429% | 5,376 |
| Net loans and leases to core deposits | 50.5663% | 5,424 |
| Total domestic deposits to total assets | 73.8247% | 5,620 |
| Equity capital to assets | 15.6936% | 567 |
| Core capital (leverage) ratio | 14.9650% | 608 |
| Tier 1 risk-based capital ratio | 24.3921% | 878 |
| Total risk-based capital ratio | 25.5537% | 873 |
| Memoranda: | ||
| Average total assets | $598,123,500 | 1,182 |
| Average earning assets | $568,103,500 | 1,144 |
| Average equity | $92,472,000 | 860 |
| Average total loans | $233,832,000 | 1,887 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8879% | 5,820 |
| Cost of funding earning assets | 0.1482% | 5,696 |
| Net interest margin | 2.7397% | 5,603 |
| Noninterest income to average assets | 0.6342% | 2,538 |
| Noninterest expense to average assets | 1.9198% | 5,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2686% | 1,344 |
| Return on assets (ROA) | 1.2681% | 1,396 |
| Pretax return on assets | 1.3047% | 2,269 |
| Return on Equity (ROE) | 8.3441% | 2,782 |
| Retained earnings to average equity (ytd only) | 2.4511% | 4,324 |
| Net charge-offs to loans | -0.0093% | 5,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0985% | 6,024 |
| Assets per employee ($millions) | 5.4265% | 1,880 |
| Cash dividends to net income (ytd only)* | 70.6243% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 1,474 |
| Loan loss allowance to noncurrent loans | 179.4376% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 4,080 |
| Noncurrent loans to loans | 0.9194% | 2,500 |
| Net loans and leases to total assets | 40.4186% | 5,489 |
| Net loans and leases to deposits | 54.6608% | 5,124 |
| Net loans and leases to core deposits | 56.5148% | 5,173 |
| Total domestic deposits to total assets | 73.9445% | 5,654 |
| Equity capital to assets | 15.2303% | 636 |
| Core capital (leverage) ratio | 14.7998% | 653 |
| Tier 1 risk-based capital ratio | 23.2026% | 992 |
| Total risk-based capital ratio | 24.2892% | 996 |
| Memoranda: | ||
| Average total assets | $603,749,400 | 1,124 |
| Average earning assets | $570,931,200 | 1,092 |
| Average equity | $91,753,200 | 826 |
| Average total loans | $246,545,400 | 1,747 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9074% | 5,887 |
| Cost of funding earning assets | 0.1518% | 5,763 |
| Net interest margin | 2.7556% | 5,652 |
| Noninterest income to average assets | 0.5957% | 2,768 |
| Noninterest expense to average assets | 1.4924% | 6,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6747% | 660 |
| Return on assets (ROA) | 1.6741% | 682 |
| Pretax return on assets | 1.7103% | 1,080 |
| Return on Equity (ROE) | 11.0216% | 1,697 |
| Retained earnings to average equity (ytd only) | 4.9216% | 2,967 |
| Net charge-offs to loans | -0.0125% | 5,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4496% | 6,101 |
| Assets per employee ($millions) | 5.5550% | 1,733 |
| Cash dividends to net income (ytd only)* | 55.3460% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 1,568 |
| Loan loss allowance to noncurrent loans | 930.2961% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 5,461 |
| Noncurrent loans to loans | 0.1790% | 4,939 |
| Net loans and leases to total assets | 40.9586% | 5,544 |
| Net loans and leases to deposits | 56.8557% | 5,081 |
| Net loans and leases to core deposits | 58.9742% | 5,131 |
| Total domestic deposits to total assets | 72.0395% | 5,856 |
| Equity capital to assets | 15.8289% | 589 |
| Core capital (leverage) ratio | 14.4420% | 751 |
| Tier 1 risk-based capital ratio | 24.0197% | 947 |
| Total risk-based capital ratio | 25.1628% | 939 |
| Memoranda: | ||
| Average total assets | $604,100,750 | 1,136 |
| Average earning assets | $571,668,250 | 1,101 |
| Average equity | $91,756,750 | 833 |
| Average total loans | $246,296,000 | 1,759 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8543% | 5,980 |
| Cost of funding earning assets | 0.1480% | 5,862 |
| Net interest margin | 2.7063% | 5,757 |
| Noninterest income to average assets | 0.5732% | 2,888 |
| Noninterest expense to average assets | 1.4682% | 6,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6281% | 709 |
| Return on assets (ROA) | 1.6281% | 739 |
| Pretax return on assets | 1.6632% | 1,161 |
| Return on Equity (ROE) | 10.8662% | 1,723 |
| Retained earnings to average equity (ytd only) | 5.8001% | 2,361 |
| Net charge-offs to loans | -0.0130% | 5,008 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6754% | 6,174 |
| Assets per employee ($millions) | 5.6887% | 1,580 |
| Cash dividends to net income (ytd only)* | 46.6223% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 1,560 |
| Loan loss allowance to noncurrent loans | 745.3382% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 5,477 |
| Noncurrent loans to loans | 0.2306% | 4,848 |
| Net loans and leases to total assets | 38.6528% | 5,709 |
| Net loans and leases to deposits | 52.8646% | 5,326 |
| Net loans and leases to core deposits | 55.7585% | 5,326 |
| Total domestic deposits to total assets | 73.1167% | 5,857 |
| Equity capital to assets | 15.3614% | 636 |
| Core capital (leverage) ratio | 13.9789% | 844 |
| Tier 1 risk-based capital ratio | 24.4748% | 908 |
| Total risk-based capital ratio | 25.6505% | 902 |
| Memoranda: | ||
| Average total assets | $609,189,670 | 1,133 |
| Average earning assets | $575,834,670 | 1,099 |
| Average equity | $91,273,670 | 842 |
| Average total loans | $246,640,670 | 1,766 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8525% | 6,028 |
| Cost of funding earning assets | 0.1488% | 5,937 |
| Net interest margin | 2.7037% | 5,798 |
| Noninterest income to average assets | 0.5775% | 2,791 |
| Noninterest expense to average assets | 1.4150% | 6,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6796% | 616 |
| Return on assets (ROA) | 1.6796% | 645 |
| Pretax return on assets | 1.7142% | 1,024 |
| Return on Equity (ROE) | 11.3516% | 1,535 |
| Retained earnings to average equity (ytd only) | 6.0886% | 2,440 |
| Net charge-offs to loans | -0.0175% | 4,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0209% | 6,268 |
| Assets per employee ($millions) | 5.6659% | 1,655 |
| Cash dividends to net income (ytd only)* | 46.3633% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 1,706 |
| Loan loss allowance to noncurrent loans | 792.2179% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 5,582 |
| Noncurrent loans to loans | 0.2162% | 5,007 |
| Net loans and leases to total assets | 37.8449% | 5,728 |
| Net loans and leases to deposits | 50.8420% | 5,401 |
| Net loans and leases to core deposits | 53.5837% | 5,390 |
| Total domestic deposits to total assets | 74.4364% | 5,872 |
| Equity capital to assets | 14.8028% | 751 |
| Core capital (leverage) ratio | 13.7980% | 885 |
| Tier 1 risk-based capital ratio | 23.3400% | 1,071 |
| Total risk-based capital ratio | 24.4796% | 1,055 |
| Memoranda: | ||
| Average total assets | $612,281,500 | 1,130 |
| Average earning assets | $577,885,000 | 1,096 |
| Average equity | $90,595,500 | 849 |
| Average total loans | $251,383,000 | 1,732 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1592% | 5,884 |
| Cost of funding earning assets | 0.1844% | 5,881 |
| Net interest margin | 2.9748% | 5,496 |
| Noninterest income to average assets | 0.6646% | 2,480 |
| Noninterest expense to average assets | 1.5858% | 6,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8389% | 440 |
| Return on assets (ROA) | 1.8389% | 457 |
| Pretax return on assets | 1.8722% | 678 |
| Return on Equity (ROE) | 12.7739% | 1,188 |
| Retained earnings to average equity (ytd only) | 3.8631% | 3,472 |
| Net charge-offs to loans | 0.0206% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 203.6786% | 263 |
| Efficiency ratio | 44.6006% | 6,308 |
| Assets per employee ($millions) | 5.3244% | 1,932 |
| Cash dividends to net income (ytd only)* | 69.7581% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 2,334 |
| Loan loss allowance to noncurrent loans | 595.3079% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 5,560 |
| Noncurrent loans to loans | 0.2574% | 4,917 |
| Net loans and leases to total assets | 42.9850% | 5,539 |
| Net loans and leases to deposits | 57.8365% | 5,076 |
| Net loans and leases to core deposits | 60.6068% | 5,090 |
| Total domestic deposits to total assets | 74.3215% | 5,920 |
| Equity capital to assets | 14.7899% | 740 |
| Core capital (leverage) ratio | 13.7196% | 895 |
| Tier 1 risk-based capital ratio | 22.3600% | 1,172 |
| Total risk-based capital ratio | 23.4787% | 1,169 |
| Memoranda: | ||
| Average total assets | $609,234,400 | 1,091 |
| Average earning assets | $572,069,600 | 1,062 |
| Average equity | $87,702,200 | 844 |
| Average total loans | $271,959,400 | 1,564 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1531% | 5,954 |
| Cost of funding earning assets | 0.1895% | 5,915 |
| Net interest margin | 2.9637% | 5,577 |
| Noninterest income to average assets | 0.6330% | 2,667 |
| Noninterest expense to average assets | 1.5404% | 6,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8432% | 470 |
| Return on assets (ROA) | 1.8432% | 484 |
| Pretax return on assets | 1.8764% | 752 |
| Return on Equity (ROE) | 12.8918% | 1,243 |
| Retained earnings to average equity (ytd only) | 3.9425% | 3,841 |
| Net charge-offs to loans | 0.0171% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 245.1763% | 271 |
| Efficiency ratio | 43.8088% | 6,369 |
| Assets per employee ($millions) | 5.0005% | 2,238 |
| Cash dividends to net income (ytd only)* | 69.4187% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 2,924 |
| Loan loss allowance to noncurrent loans | 253.2258% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 5,157 |
| Noncurrent loans to loans | 0.5744% | 4,196 |
| Net loans and leases to total assets | 46.4775% | 5,332 |
| Net loans and leases to deposits | 62.9844% | 4,642 |
| Net loans and leases to core deposits | 66.1635% | 4,690 |
| Total domestic deposits to total assets | 73.7921% | 6,033 |
| Equity capital to assets | 14.9771% | 735 |
| Core capital (leverage) ratio | 13.7733% | 905 |
| Tier 1 risk-based capital ratio | 21.5486% | 1,334 |
| Total risk-based capital ratio | 22.6289% | 1,349 |
| Memoranda: | ||
| Average total assets | $609,797,500 | 1,098 |
| Average earning assets | $572,788,750 | 1,067 |
| Average equity | $87,184,750 | 850 |
| Average total loans | $273,706,500 | 1,561 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1388% | 6,016 |
| Cost of funding earning assets | 0.1969% | 5,939 |
| Net interest margin | 2.9420% | 5,653 |
| Noninterest income to average assets | 0.6153% | 2,738 |
| Noninterest expense to average assets | 1.5461% | 6,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7934% | 499 |
| Return on assets (ROA) | 1.7934% | 515 |
| Pretax return on assets | 1.8259% | 805 |
| Return on Equity (ROE) | 12.7388% | 1,247 |
| Retained earnings to average equity (ytd only) | 2.4498% | 4,651 |
| Net charge-offs to loans | 0.0258% | 3,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 160.3429% | 388 |
| Efficiency ratio | 44.5677% | 6,406 |
| Assets per employee ($millions) | 4.7770% | 2,509 |
| Cash dividends to net income (ytd only)* | 80.7692% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 2,748 |
| Loan loss allowance to noncurrent loans | 246.7956% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 5,244 |
| Noncurrent loans to loans | 0.6214% | 4,161 |
| Net loans and leases to total assets | 43.5459% | 5,563 |
| Net loans and leases to deposits | 58.9407% | 4,957 |
| Net loans and leases to core deposits | 62.0675% | 4,966 |
| Total domestic deposits to total assets | 73.8809% | 6,123 |
| Equity capital to assets | 14.5968% | 795 |
| Core capital (leverage) ratio | 13.2513% | 1,062 |
| Tier 1 risk-based capital ratio | 21.9045% | 1,273 |
| Total risk-based capital ratio | 23.0235% | 1,270 |
| Memoranda: | ||
| Average total assets | $614,709,330 | 1,095 |
| Average earning assets | $576,012,000 | 1,068 |
| Average equity | $86,538,670 | 846 |
| Average total loans | $271,391,330 | 1,576 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0677% | 6,164 |
| Cost of funding earning assets | 0.2094% | 5,925 |
| Net interest margin | 2.8583% | 5,832 |
| Noninterest income to average assets | 0.6292% | 2,574 |
| Noninterest expense to average assets | 1.5102% | 6,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7594% | 514 |
| Return on assets (ROA) | 1.7594% | 530 |
| Pretax return on assets | 1.7910% | 812 |
| Return on Equity (ROE) | 12.7250% | 1,229 |
| Retained earnings to average equity (ytd only) | -2.4174% | 5,901 |
| Net charge-offs to loans | 0.0365% | 2,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 111.2400% | 423 |
| Efficiency ratio | 44.4596% | 6,479 |
| Assets per employee ($millions) | 4.8331% | 2,464 |
| Cash dividends to net income (ytd only)* | 118.9971% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 2,818 |
| Loan loss allowance to noncurrent loans | 440.4736% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 5,789 |
| Noncurrent loans to loans | 0.3573% | 5,049 |
| Net loans and leases to total assets | 41.3644% | 5,719 |
| Net loans and leases to deposits | 54.7067% | 5,217 |
| Net loans and leases to core deposits | 57.4978% | 5,238 |
| Total domestic deposits to total assets | 75.6112% | 6,108 |
| Equity capital to assets | 13.8840% | 960 |
| Core capital (leverage) ratio | 12.6903% | 1,302 |
| Tier 1 risk-based capital ratio | 21.4441% | 1,384 |
| Total risk-based capital ratio | 22.5645% | 1,392 |
| Memoranda: | ||
| Average total assets | $621,111,500 | 1,097 |
| Average earning assets | $580,634,000 | 1,068 |
| Average equity | $85,878,500 | 853 |
| Average total loans | $273,993,500 | 1,559 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9703% | 6,371 |
| Cost of funding earning assets | 0.2487% | 5,972 |
| Net interest margin | 2.7216% | 6,110 |
| Noninterest income to average assets | 0.7195% | 2,432 |
| Noninterest expense to average assets | 1.8713% | 6,223 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3684% | 1,093 |
| Return on assets (ROA) | 1.3684% | 1,135 |
| Pretax return on assets | 1.4001% | 1,778 |
| Return on Equity (ROE) | 9.3685% | 2,381 |
| Retained earnings to average equity (ytd only) | -19.4727% | 6,663 |
| Net charge-offs to loans | -0.0008% | 5,825 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3681% | 6,508 |
| Assets per employee ($millions) | 4.9101% | 2,299 |
| Cash dividends to net income (ytd only)* | 307.8527% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 3,511 |
| Loan loss allowance to noncurrent loans | 445.5628% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 5,876 |
| Noncurrent loans to loans | 0.3208% | 5,225 |
| Net loans and leases to total assets | 45.5242% | 5,532 |
| Net loans and leases to deposits | 60.9440% | 4,839 |
| Net loans and leases to core deposits | 63.8601% | 4,879 |
| Total domestic deposits to total assets | 74.6984% | 6,228 |
| Equity capital to assets | 13.7696% | 976 |
| Core capital (leverage) ratio | 12.4426% | 1,387 |
| Tier 1 risk-based capital ratio | 19.9299% | 1,671 |
| Total risk-based capital ratio | 20.9888% | 1,691 |
| Memoranda: | ||
| Average total assets | $585,366,200 | 1,138 |
| Average earning assets | $548,865,200 | 1,100 |
| Average equity | $85,499,400 | 835 |
| Average total loans | $248,635,000 | 1,669 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9456% | 6,471 |
| Cost of funding earning assets | 0.2573% | 6,031 |
| Net interest margin | 2.6883% | 6,200 |
| Noninterest income to average assets | 0.6752% | 2,752 |
| Noninterest expense to average assets | 1.5030% | 6,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6709% | 654 |
| Return on assets (ROA) | 1.6709% | 689 |
| Pretax return on assets | 1.7031% | 1,089 |
| Return on Equity (ROE) | 11.2649% | 1,718 |
| Retained earnings to average equity (ytd only) | 8.2535% | 1,316 |
| Net charge-offs to loans | -0.0011% | 5,659 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8800% | 6,556 |
| Assets per employee ($millions) | 4.4747% | 2,923 |
| Cash dividends to net income (ytd only)* | 26.7323% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 2,865 |
| Loan loss allowance to noncurrent loans | 737.8136% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 6,133 |
| Noncurrent loans to loans | 0.2216% | 5,679 |
| Net loans and leases to total assets | 44.6301% | 5,669 |
| Net loans and leases to deposits | 62.7896% | 4,653 |
| Net loans and leases to core deposits | 66.2975% | 4,683 |
| Total domestic deposits to total assets | 71.0788% | 6,546 |
| Equity capital to assets | 15.6557% | 605 |
| Core capital (leverage) ratio | 14.1501% | 835 |
| Tier 1 risk-based capital ratio | 23.0218% | 1,141 |
| Total risk-based capital ratio | 24.1468% | 1,145 |
| Memoranda: | ||
| Average total assets | $575,812,250 | 1,166 |
| Average earning assets | $542,084,750 | 1,128 |
| Average equity | $85,408,000 | 841 |
| Average total loans | $238,794,250 | 1,733 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8741% | 6,553 |
| Cost of funding earning assets | 0.2639% | 6,085 |
| Net interest margin | 2.6101% | 6,324 |
| Noninterest income to average assets | 0.6170% | 3,091 |
| Noninterest expense to average assets | 1.4756% | 6,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5666% | 794 |
| Return on assets (ROA) | 1.5666% | 862 |
| Pretax return on assets | 1.5985% | 1,379 |
| Return on Equity (ROE) | 10.7511% | 1,902 |
| Retained earnings to average equity (ytd only) | 10.7511% | 690 |
| Net charge-offs to loans | -0.0026% | 5,554 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0018% | 6,534 |
| Assets per employee ($millions) | 4.8495% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7621% | 2,556 |
| Loan loss allowance to noncurrent loans | 599.4178% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 6,121 |
| Noncurrent loans to loans | 0.2940% | 5,563 |
| Net loans and leases to total assets | 40.1196% | 6,033 |
| Net loans and leases to deposits | 56.2763% | 5,303 |
| Net loans and leases to core deposits | 59.3312% | 5,316 |
| Total domestic deposits to total assets | 71.2904% | 6,603 |
| Equity capital to assets | 14.9775% | 717 |
| Core capital (leverage) ratio | 13.5026% | 976 |
| Tier 1 risk-based capital ratio | 26.3936% | 738 |
| Total risk-based capital ratio | 27.6452% | 724 |
| Memoranda: | ||
| Average total assets | $582,794,330 | 1,155 |
| Average earning assets | $548,632,670 | 1,114 |
| Average equity | $84,921,330 | 841 |
| Average total loans | $234,474,330 | 1,753 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8885% | 6,621 |
| Cost of funding earning assets | 0.2788% | 6,114 |
| Net interest margin | 2.6097% | 6,357 |
| Noninterest income to average assets | 0.6176% | 3,041 |
| Noninterest expense to average assets | 1.4284% | 6,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6025% | 708 |
| Return on assets (ROA) | 1.6025% | 770 |
| Pretax return on assets | 1.6345% | 1,228 |
| Return on Equity (ROE) | 11.1489% | 1,664 |
| Retained earnings to average equity (ytd only) | 11.1489% | 844 |
| Net charge-offs to loans | -0.0017% | 5,152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6356% | 6,669 |
| Assets per employee ($millions) | 5.0757% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8995% | 2,302 |
| Loan loss allowance to noncurrent loans | 2,058.0000% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 6,509 |
| Noncurrent loans to loans | 0.0923% | 6,203 |
| Net loans and leases to total assets | 35.4913% | 6,334 |
| Net loans and leases to deposits | 48.0136% | 5,921 |
| Net loans and leases to core deposits | 50.6275% | 5,926 |
| Total domestic deposits to total assets | 73.9193% | 6,537 |
| Equity capital to assets | 14.2922% | 939 |
| Core capital (leverage) ratio | 13.0044% | 1,111 |
| Tier 1 risk-based capital ratio | 26.9226% | 717 |
| Total risk-based capital ratio | 28.1743% | 703 |
| Memoranda: | ||
| Average total assets | $588,073,000 | 1,153 |
| Average earning assets | $551,018,500 | 1,117 |
| Average equity | $84,528,500 | 854 |
| Average total loans | $234,863,000 | 1,763 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6192% | 6,193 |
| Cost of funding earning assets | 0.3511% | 6,206 |
| Net interest margin | 3.2681% | 5,368 |
| Noninterest income to average assets | 0.6723% | 2,872 |
| Noninterest expense to average assets | 1.6636% | 6,754 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.0266% | 341 |
| Return on assets (ROA) | 2.0330% | 369 |
| Pretax return on assets | 2.0663% | 525 |
| Return on Equity (ROE) | 14.1424% | 967 |
| Retained earnings to average equity (ytd only) | 10.6450% | 481 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4672% | 6,885 |
| Assets per employee ($millions) | 4.7313% | 2,599 |
| Cash dividends to net income (ytd only)* | 24.7297% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 3,195 |
| Loan loss allowance to noncurrent loans | 1,773.7069% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 6,547 |
| Noncurrent loans to loans | 0.0917% | 6,256 |
| Net loans and leases to total assets | 43.1255% | 5,892 |
| Net loans and leases to deposits | 59.1718% | 5,113 |
| Net loans and leases to core deposits | 62.3096% | 5,125 |
| Total domestic deposits to total assets | 72.8817% | 6,634 |
| Equity capital to assets | 14.4585% | 892 |
| Core capital (leverage) ratio | 13.1227% | 1,071 |
| Tier 1 risk-based capital ratio | 21.8540% | 1,291 |
| Total risk-based capital ratio | 23.0789% | 1,267 |
| Memoranda: | ||
| Average total assets | $554,946,800 | 1,209 |
| Average earning assets | $518,098,200 | 1,171 |
| Average equity | $79,774,200 | 880 |
| Average total loans | $248,204,400 | 1,660 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6823% | 6,252 |
| Cost of funding earning assets | 0.3628% | 6,316 |
| Net interest margin | 3.3195% | 5,313 |
| Noninterest income to average assets | 0.6405% | 3,040 |
| Noninterest expense to average assets | 1.6802% | 6,804 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0354% | 369 |
| Return on assets (ROA) | 2.0440% | 404 |
| Pretax return on assets | 2.0777% | 601 |
| Return on Equity (ROE) | 14.2404% | 1,060 |
| Retained earnings to average equity (ytd only) | 11.6703% | 587 |
| Net charge-offs to loans | -0.0011% | 6,187 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8566% | 6,969 |
| Assets per employee ($millions) | 4.4772% | 2,952 |
| Cash dividends to net income (ytd only)* | 18.0480% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 3,562 |
| Loan loss allowance to noncurrent loans | 1,024.1294% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 6,522 |
| Noncurrent loans to loans | 0.1551% | 6,223 |
| Net loans and leases to total assets | 46.3038% | 5,736 |
| Net loans and leases to deposits | 65.5662% | 4,527 |
| Net loans and leases to core deposits | 69.7852% | 4,522 |
| Total domestic deposits to total assets | 70.6214% | 6,816 |
| Equity capital to assets | 14.9493% | 835 |
| Core capital (leverage) ratio | 13.2923% | 1,076 |
| Tier 1 risk-based capital ratio | 20.7588% | 1,584 |
| Total risk-based capital ratio | 21.9486% | 1,563 |
| Memoranda: | ||
| Average total assets | $549,379,500 | 1,236 |
| Average earning assets | $514,489,500 | 1,193 |
| Average equity | $78,853,500 | 893 |
| Average total loans | $246,995,000 | 1,682 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6949% | 6,346 |
| Cost of funding earning assets | 0.3732% | 6,406 |
| Net interest margin | 3.3218% | 5,385 |
| Noninterest income to average assets | 0.6405% | 3,003 |
| Noninterest expense to average assets | 1.7521% | 6,799 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.9619% | 419 |
| Return on assets (ROA) | 1.9747% | 470 |
| Pretax return on assets | 2.0086% | 690 |
| Return on Equity (ROE) | 13.9518% | 1,134 |
| Retained earnings to average equity (ytd only) | 11.5192% | 657 |
| Net charge-offs to loans | -0.0025% | 6,102 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3099% | 7,011 |
| Assets per employee ($millions) | 4.5205% | 2,868 |
| Cash dividends to net income (ytd only)* | 17.4354% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 3,222 |
| Loan loss allowance to noncurrent loans | 506.5191% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 6,396 |
| Noncurrent loans to loans | 0.3359% | 5,873 |
| Net loans and leases to total assets | 43.1397% | 6,097 |
| Net loans and leases to deposits | 61.0173% | 5,130 |
| Net loans and leases to core deposits | 64.7379% | 5,131 |
| Total domestic deposits to total assets | 70.7008% | 6,871 |
| Equity capital to assets | 14.5138% | 912 |
| Core capital (leverage) ratio | 12.7181% | 1,251 |
| Tier 1 risk-based capital ratio | 20.6667% | 1,536 |
| Total risk-based capital ratio | 21.8929% | 1,522 |
| Memoranda: | ||
| Average total assets | $548,940,670 | 1,236 |
| Average earning assets | $513,459,670 | 1,194 |
| Average equity | $77,696,330 | 904 |
| Average total loans | $242,956,670 | 1,702 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8792% | 6,074 |
| Cost of funding earning assets | 0.3954% | 6,431 |
| Net interest margin | 3.4838% | 4,777 |
| Noninterest income to average assets | 0.6552% | 2,899 |
| Noninterest expense to average assets | 1.9151% | 6,617 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9501% | 463 |
| Return on assets (ROA) | 1.9501% | 529 |
| Pretax return on assets | 1.9837% | 756 |
| Return on Equity (ROE) | 13.9567% | 1,189 |
| Retained earnings to average equity (ytd only) | 9.3829% | 1,444 |
| Net charge-offs to loans | -0.0049% | 5,791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5583% | 7,093 |
| Assets per employee ($millions) | 4.5539% | 2,892 |
| Cash dividends to net income (ytd only)* | 32.7715% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7774% | 3,066 |
| Loan loss allowance to noncurrent loans | 408.5317% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 6,402 |
| Noncurrent loans to loans | 0.4351% | 5,798 |
| Net loans and leases to total assets | 40.9608% | 6,267 |
| Net loans and leases to deposits | 57.0664% | 5,481 |
| Net loans and leases to core deposits | 60.5282% | 5,482 |
| Total domestic deposits to total assets | 71.7773% | 6,891 |
| Equity capital to assets | 13.9421% | 1,045 |
| Core capital (leverage) ratio | 12.2862% | 1,443 |
| Tier 1 risk-based capital ratio | 20.0568% | 1,699 |
| Total risk-based capital ratio | 21.2946% | 1,674 |
| Memoranda: | ||
| Average total assets | $547,659,500 | 1,241 |
| Average earning assets | $509,905,000 | 1,211 |
| Average equity | $76,522,500 | 911 |
| Average total loans | $243,417,500 | 1,699 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0082% | 6,439 |
| Cost of funding earning assets | 0.6070% | 6,060 |
| Net interest margin | 3.4012% | 5,475 |
| Noninterest income to average assets | 0.6491% | 2,894 |
| Noninterest expense to average assets | 1.7439% | 7,019 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.0368% | 287 |
| Return on assets (ROA) | 2.0368% | 305 |
| Pretax return on assets | 2.0712% | 463 |
| Return on Equity (ROE) | 15.7960% | 629 |
| Retained earnings to average equity (ytd only) | 15.7960% | 102 |
| Net charge-offs to loans | 0.1051% | 5,308 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 42.1925% | 644 |
| Efficiency ratio | 45.4042% | 7,074 |
| Assets per employee ($millions) | 4.3528% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 3,537 |
| Loan loss allowance to noncurrent loans | 287.9636% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 6,273 |
| Noncurrent loans to loans | 0.5601% | 5,598 |
| Net loans and leases to total assets | 46.5099% | 5,964 |
| Net loans and leases to deposits | 67.2256% | 4,552 |
| Net loans and leases to core deposits | 72.8781% | 4,393 |
| Total domestic deposits to total assets | 69.1848% | 7,025 |
| Equity capital to assets | 14.0041% | 1,061 |
| Core capital (leverage) ratio | 12.0985% | 1,538 |
| Tier 1 risk-based capital ratio | 18.3428% | 2,095 |
| Total risk-based capital ratio | 19.5135% | 2,083 |
| Memoranda: | ||
| Average total assets | $539,828,000 | 1,229 |
| Average earning assets | $502,496,600 | 1,205 |
| Average equity | $69,606,400 | 964 |
| Average total loans | $252,023,000 | 1,661 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 6,625 |
| Cost of funding earning assets | 0.6104% | 6,244 |
| Net interest margin | 3.3664% | 5,666 |
| Noninterest income to average assets | 0.6409% | 2,936 |
| Noninterest expense to average assets | 1.7222% | 7,073 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.0225% | 327 |
| Return on assets (ROA) | 2.0225% | 353 |
| Pretax return on assets | 2.0568% | 558 |
| Return on Equity (ROE) | 16.0302% | 684 |
| Retained earnings to average equity (ytd only) | 16.0302% | 178 |
| Net charge-offs to loans | 0.1401% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 31.5456% | 902 |
| Efficiency ratio | 45.2650% | 7,094 |
| Assets per employee ($millions) | 4.2857% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 3,985 |
| Loan loss allowance to noncurrent loans | 309.0090% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 6,430 |
| Noncurrent loans to loans | 0.4931% | 5,862 |
| Net loans and leases to total assets | 48.1149% | 5,940 |
| Net loans and leases to deposits | 70.0679% | 4,293 |
| Net loans and leases to core deposits | 82.1314% | 3,307 |
| Total domestic deposits to total assets | 68.6689% | 7,107 |
| Equity capital to assets | 13.2472% | 1,495 |
| Core capital (leverage) ratio | 11.4340% | 2,075 |
| Tier 1 risk-based capital ratio | 18.2649% | 2,164 |
| Total risk-based capital ratio | 19.4843% | 2,142 |
| Memoranda: | ||
| Average total assets | $539,849,750 | 1,230 |
| Average earning assets | $503,236,000 | 1,205 |
| Average equity | $68,111,500 | 993 |
| Average total loans | $251,241,750 | 1,678 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 6,753 |
| Cost of funding earning assets | 0.6236% | 6,347 |
| Net interest margin | 3.3170% | 5,809 |
| Noninterest income to average assets | 0.6300% | 2,948 |
| Noninterest expense to average assets | 1.7688% | 7,111 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9118% | 399 |
| Return on assets (ROA) | 1.9118% | 429 |
| Pretax return on assets | 1.9465% | 647 |
| Return on Equity (ROE) | 15.4180% | 732 |
| Retained earnings to average equity (ytd only) | 15.4180% | 226 |
| Net charge-offs to loans | 0.2164% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 19.6679% | 1,209 |
| Efficiency ratio | 47.2959% | 7,094 |
| Assets per employee ($millions) | 4.3552% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 3,557 |
| Loan loss allowance to noncurrent loans | 239.3834% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 6,322 |
| Noncurrent loans to loans | 0.6833% | 5,542 |
| Net loans and leases to total assets | 44.7416% | 6,369 |
| Net loans and leases to deposits | 63.8311% | 5,295 |
| Net loans and leases to core deposits | 72.0066% | 4,817 |
| Total domestic deposits to total assets | 70.0938% | 7,104 |
| Equity capital to assets | 12.6499% | 1,709 |
| Core capital (leverage) ratio | 11.0363% | 2,217 |
| Tier 1 risk-based capital ratio | 18.3972% | 2,045 |
| Total risk-based capital ratio | 19.6450% | 1,992 |
| Memoranda: | ||
| Average total assets | $535,516,330 | 1,249 |
| Average earning assets | $498,106,670 | 1,221 |
| Average equity | $66,403,000 | 1,012 |
| Average total loans | $244,949,330 | 1,741 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0080% | 6,688 |
| Cost of funding earning assets | 0.6409% | 6,425 |
| Net interest margin | 3.3671% | 5,553 |
| Noninterest income to average assets | 0.6030% | 3,138 |
| Noninterest expense to average assets | 1.8256% | 7,108 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8583% | 437 |
| Return on assets (ROA) | 1.8583% | 462 |
| Pretax return on assets | 1.8932% | 688 |
| Return on Equity (ROE) | 15.1469% | 800 |
| Retained earnings to average equity (ytd only) | 15.1469% | 381 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7645% | 7,082 |
| Assets per employee ($millions) | 4.0623% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8893% | 2,725 |
| Loan loss allowance to noncurrent loans | 319.7080% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 6,507 |
| Noncurrent loans to loans | 0.5909% | 5,843 |
| Net loans and leases to total assets | 42.0994% | 6,608 |
| Net loans and leases to deposits | 58.0650% | 5,917 |
| Net loans and leases to core deposits | 67.4434% | 5,365 |
| Total domestic deposits to total assets | 72.5039% | 7,039 |
| Equity capital to assets | 12.2066% | 1,790 |
| Core capital (leverage) ratio | 10.6677% | 2,459 |
| Tier 1 risk-based capital ratio | 18.5300% | 1,953 |
| Total risk-based capital ratio | 19.7653% | 1,907 |
| Memoranda: | ||
| Average total assets | $526,720,000 | 1,286 |
| Average earning assets | $487,420,500 | 1,262 |
| Average equity | $64,620,500 | 1,037 |
| Average total loans | $241,631,500 | 1,782 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4857% | 6,434 |
| Cost of funding earning assets | 0.8099% | 6,526 |
| Net interest margin | 3.6757% | 4,462 |
| Noninterest income to average assets | 0.6855% | 2,931 |
| Noninterest expense to average assets | 1.9126% | 7,139 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.1229% | 224 |
| Return on assets (ROA) | 2.1291% | 232 |
| Pretax return on assets | 2.1629% | 349 |
| Return on Equity (ROE) | 18.1788% | 368 |
| Retained earnings to average equity (ytd only) | 18.1788% | 72 |
| Net charge-offs to loans | 0.0057% | 6,788 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 775.2143% | 20 |
| Efficiency ratio | 46.6940% | 7,325 |
| Assets per employee ($millions) | 3.6654% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7420% | 3,064 |
| Loan loss allowance to noncurrent loans | 321.1144% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 6,532 |
| Noncurrent loans to loans | 0.5425% | 5,966 |
| Net loans and leases to total assets | 48.1426% | 6,377 |
| Net loans and leases to deposits | 67.0889% | 5,236 |
| Net loans and leases to core deposits | 73.7617% | 5,002 |
| Total domestic deposits to total assets | 71.7594% | 7,102 |
| Equity capital to assets | 12.3336% | 1,724 |
| Core capital (leverage) ratio | 10.6022% | 2,460 |
| Tier 1 risk-based capital ratio | 17.1190% | 2,305 |
| Total risk-based capital ratio | 18.3709% | 2,275 |
| Memoranda: | ||
| Average total assets | $503,252,600 | 1,328 |
| Average earning assets | $463,254,600 | 1,325 |
| Average equity | $58,942,200 | 1,133 |
| Average total loans | $244,560,600 | 1,790 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 5,667 |
| Cost of funding earning assets | 0.8392% | 6,618 |
| Net interest margin | 3.9590% | 3,296 |
| Noninterest income to average assets | 0.6347% | 3,222 |
| Noninterest expense to average assets | 2.1177% | 6,811 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.1344% | 270 |
| Return on assets (ROA) | 2.1430% | 282 |
| Pretax return on assets | 2.1771% | 432 |
| Return on Equity (ROE) | 18.5494% | 427 |
| Retained earnings to average equity (ytd only) | 18.5494% | 101 |
| Net charge-offs to loans | -0.0615% | 7,492 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9681% | 7,499 |
| Assets per employee ($millions) | 3.8140% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7620% | 2,929 |
| Loan loss allowance to noncurrent loans | 196.3399% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 6,090 |
| Noncurrent loans to loans | 0.8974% | 5,449 |
| Net loans and leases to total assets | 48.0807% | 6,514 |
| Net loans and leases to deposits | 72.7961% | 4,726 |
| Net loans and leases to core deposits | 78.9711% | 4,672 |
| Total domestic deposits to total assets | 66.0484% | 7,468 |
| Equity capital to assets | 12.0215% | 2,148 |
| Core capital (leverage) ratio | 10.2165% | 3,028 |
| Tier 1 risk-based capital ratio | 16.1256% | 2,708 |
| Total risk-based capital ratio | 17.3776% | 2,654 |
| Memoranda: | ||
| Average total assets | $500,776,000 | 1,351 |
| Average earning assets | $461,853,250 | 1,338 |
| Average equity | $57,855,000 | 1,152 |
| Average total loans | $242,843,750 | 1,823 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9827% | 5,018 |
| Cost of funding earning assets | 0.8722% | 6,681 |
| Net interest margin | 4.1105% | 2,509 |
| Noninterest income to average assets | 0.6204% | 3,193 |
| Noninterest expense to average assets | 2.2929% | 6,375 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.0727% | 292 |
| Return on assets (ROA) | 2.0858% | 310 |
| Pretax return on assets | 2.1203% | 474 |
| Return on Equity (ROE) | 18.3162% | 437 |
| Retained earnings to average equity (ytd only) | 18.3162% | 121 |
| Net charge-offs to loans | -0.1476% | 7,607 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7098% | 7,562 |
| Assets per employee ($millions) | 3.6301% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9024% | 2,406 |
| Loan loss allowance to noncurrent loans | 226.2376% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 6,271 |
| Noncurrent loans to loans | 0.8409% | 5,597 |
| Net loans and leases to total assets | 47.3846% | 6,673 |
| Net loans and leases to deposits | 66.9089% | 5,697 |
| Net loans and leases to core deposits | 71.2523% | 5,747 |
| Total domestic deposits to total assets | 70.8196% | 7,274 |
| Equity capital to assets | 11.8838% | 2,162 |
| Core capital (leverage) ratio | 9.8526% | 3,339 |
| Tier 1 risk-based capital ratio | 16.1924% | 2,592 |
| Total risk-based capital ratio | 17.4461% | 2,547 |
| Memoranda: | ||
| Average total assets | $493,526,670 | 1,383 |
| Average earning assets | $453,770,000 | 1,369 |
| Average equity | $56,201,670 | 1,172 |
| Average total loans | $238,545,330 | 1,882 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 6,547 |
| Cost of funding earning assets | 0.9034% | 6,758 |
| Net interest margin | 3.7027% | 4,229 |
| Noninterest income to average assets | 0.6306% | 3,077 |
| Noninterest expense to average assets | 1.9405% | 7,265 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0373% | 329 |
| Return on assets (ROA) | 2.0389% | 357 |
| Pretax return on assets | 2.0731% | 530 |
| Return on Equity (ROE) | 18.3080% | 491 |
| Retained earnings to average equity (ytd only) | 18.3080% | 234 |
| Net charge-offs to loans | -0.2878% | 7,733 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1570% | 7,546 |
| Assets per employee ($millions) | 3.6986% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9565% | 2,292 |
| Loan loss allowance to noncurrent loans | 747.1358% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 6,842 |
| Noncurrent loans to loans | 0.2619% | 6,802 |
| Net loans and leases to total assets | 46.8574% | 6,763 |
| Net loans and leases to deposits | 65.2157% | 5,911 |
| Net loans and leases to core deposits | 67.4173% | 6,162 |
| Total domestic deposits to total assets | 71.8499% | 7,277 |
| Equity capital to assets | 11.4372% | 2,412 |
| Core capital (leverage) ratio | 9.2514% | 4,136 |
| Tier 1 risk-based capital ratio | 15.2889% | 2,970 |
| Total risk-based capital ratio | 16.5428% | 2,922 |
| Memoranda: | ||
| Average total assets | $491,628,000 | 1,420 |
| Average earning assets | $448,965,500 | 1,414 |
| Average equity | $54,752,000 | 1,219 |
| Average total loans | $237,705,500 | 1,938 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0483% | 6,274 |
| Cost of funding earning assets | 1.2094% | 6,630 |
| Net interest margin | 3.8388% | 3,535 |
| Noninterest income to average assets | 0.7364% | 2,756 |
| Noninterest expense to average assets | 2.7933% | 5,002 |
| Loan and lease loss provision to assets | 0.1054% | 6,584 |
| Net operating income to assets | 1.3086% | 1,013 |
| Return on assets (ROA) | 1.4587% | 801 |
| Pretax return on assets | 1.4920% | 1,204 |
| Return on Equity (ROE) | 13.8585% | 809 |
| Retained earnings to average equity (ytd only) | 13.8585% | 127 |
| Net charge-offs to loans | 0.0540% | 6,561 |
| Credit loss provision to net charge-offs | 387.5969% | 820 |
| Earnings coverage of net charge-offs (x) | 53.1318% | 491 |
| Efficiency ratio | 52.5135% | 7,348 |
| Assets per employee ($millions) | 3.6134% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 2,497 |
| Loan loss allowance to noncurrent loans | 158.9150% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 5,747 |
| Noncurrent loans to loans | 1.1422% | 5,048 |
| Net loans and leases to total assets | 48.0136% | 6,813 |
| Net loans and leases to deposits | 66.4487% | 6,003 |
| Net loans and leases to core deposits | 73.4125% | 6,570 |
| Total domestic deposits to total assets | 72.2566% | 7,222 |
| Equity capital to assets | 10.8407% | 2,829 |
| Core capital (leverage) ratio | 8.7438% | 4,852 |
| Tier 1 risk-based capital ratio | 14.0020% | 3,498 |
| Total risk-based capital ratio | 15.2547% | 3,453 |
| Memoranda: | ||
| Average total assets | $474,591,600 | 1,467 |
| Average earning assets | $432,841,800 | 1,466 |
| Average equity | $49,955,000 | 1,347 |
| Average total loans | $238,982,000 | 1,962 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0632% | 6,407 |
| Cost of funding earning assets | 1.2670% | 6,667 |
| Net interest margin | 3.7962% | 3,675 |
| Noninterest income to average assets | 0.6901% | 3,088 |
| Noninterest expense to average assets | 3.0223% | 3,961 |
| Loan and lease loss provision to assets | 0.0994% | 6,370 |
| Net operating income to assets | 1.0147% | 2,002 |
| Return on assets (ROA) | 1.2149% | 1,489 |
| Pretax return on assets | 1.2476% | 2,112 |
| Return on Equity (ROE) | 11.6341% | 1,458 |
| Retained earnings to average equity (ytd only) | 11.6341% | 387 |
| Net charge-offs to loans | 0.0235% | 6,557 |
| Credit loss provision to net charge-offs | 833.3333% | 457 |
| Earnings coverage of net charge-offs (x) | 95.6166% | 370 |
| Efficiency ratio | 54.9529% | 7,122 |
| Assets per employee ($millions) | 3.5106% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6886% | 2,676 |
| Loan loss allowance to noncurrent loans | 177.7915% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 5,961 |
| Noncurrent loans to loans | 0.9498% | 5,394 |
| Net loans and leases to total assets | 50.9397% | 6,702 |
| Net loans and leases to deposits | 74.0890% | 5,353 |
| Net loans and leases to core deposits | 82.0640% | 6,180 |
| Total domestic deposits to total assets | 68.7548% | 7,509 |
| Equity capital to assets | 10.3908% | 3,628 |
| Core capital (leverage) ratio | 8.0788% | 6,223 |
| Tier 1 risk-based capital ratio | 12.7265% | 4,370 |
| Total risk-based capital ratio | 13.9784% | 4,320 |
| Memoranda: | ||
| Average total assets | $469,479,250 | 1,489 |
| Average earning assets | $429,466,250 | 1,487 |
| Average equity | $49,027,250 | 1,391 |
| Average total loans | $238,207,250 | 1,994 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0813% | 6,507 |
| Cost of funding earning assets | 1.3109% | 6,771 |
| Net interest margin | 3.7704% | 3,673 |
| Noninterest income to average assets | 0.6148% | 3,568 |
| Noninterest expense to average assets | 2.5841% | 5,803 |
| Loan and lease loss provision to assets | 0.0868% | 6,303 |
| Net operating income to assets | 1.3595% | 1,103 |
| Return on assets (ROA) | 1.6691% | 657 |
| Pretax return on assets | 1.7003% | 1,019 |
| Return on Equity (ROE) | 15.9544% | 705 |
| Retained earnings to average equity (ytd only) | 15.9544% | 163 |
| Net charge-offs to loans | 0.0336% | 5,987 |
| Credit loss provision to net charge-offs | 512.8205% | 900 |
| Earnings coverage of net charge-offs (x) | 86.9487% | 443 |
| Efficiency ratio | 59.2811% | 6,652 |
| Assets per employee ($millions) | 3.3877% | 5,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7564% | 2,164 |
| Loan loss allowance to noncurrent loans | 632.0242% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 6,879 |
| Noncurrent loans to loans | 0.2779% | 6,827 |
| Net loans and leases to total assets | 48.3076% | 7,011 |
| Net loans and leases to deposits | 67.9205% | 6,199 |
| Net loans and leases to core deposits | 74.4133% | 6,764 |
| Total domestic deposits to total assets | 71.1237% | 7,347 |
| Equity capital to assets | 10.2102% | 3,706 |
| Core capital (leverage) ratio | 7.6174% | 6,873 |
| Tier 1 risk-based capital ratio | 12.3265% | 4,654 |
| Total risk-based capital ratio | 13.5785% | 4,576 |
| Memoranda: | ||
| Average total assets | $460,973,330 | 1,537 |
| Average earning assets | $420,642,670 | 1,540 |
| Average equity | $48,225,000 | 1,430 |
| Average total loans | $232,116,000 | 2,069 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0565% | 6,772 |
| Cost of funding earning assets | 1.3666% | 6,827 |
| Net interest margin | 3.6899% | 3,933 |
| Noninterest income to average assets | 0.5565% | 3,868 |
| Noninterest expense to average assets | 2.2990% | 6,549 |
| Loan and lease loss provision to assets | 0.0445% | 6,411 |
| Net operating income to assets | 1.5324% | 885 |
| Return on assets (ROA) | 1.5315% | 961 |
| Pretax return on assets | 1.5635% | 1,500 |
| Return on Equity (ROE) | 14.4520% | 1,078 |
| Retained earnings to average equity (ytd only) | 14.4520% | 474 |
| Net charge-offs to loans | 0.0681% | 4,519 |
| Credit loss provision to net charge-offs | 128.2051% | 3,117 |
| Earnings coverage of net charge-offs (x) | 46.3333% | 767 |
| Efficiency ratio | 55.4340% | 7,046 |
| Assets per employee ($millions) | 3.5212% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7684% | 1,932 |
| Loan loss allowance to noncurrent loans | 880.7860% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 7,074 |
| Noncurrent loans to loans | 0.2008% | 6,958 |
| Net loans and leases to total assets | 45.7828% | 7,206 |
| Net loans and leases to deposits | 63.0854% | 6,644 |
| Net loans and leases to core deposits | 68.8467% | 7,089 |
| Total domestic deposits to total assets | 72.5728% | 7,120 |
| Equity capital to assets | 9.8476% | 4,184 |
| Core capital (leverage) ratio | 7.8474% | 6,696 |
| Tier 1 risk-based capital ratio | 11.7863% | 5,137 |
| Total risk-based capital ratio | 13.0104% | 5,080 |
| Memoranda: | ||
| Average total assets | $449,237,000 | 1,577 |
| Average earning assets | $408,033,000 | 1,594 |
| Average equity | $47,606,000 | 1,444 |
| Average total loans | $229,070,000 | 2,105 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0780% | 5,153 |
| Cost of funding earning assets | 2.0322% | 6,310 |
| Net interest margin | 4.0457% | 2,926 |
| Noninterest income to average assets | 0.9170% | 1,896 |
| Noninterest expense to average assets | 1.9148% | 7,590 |
| Loan and lease loss provision to assets | 0.0293% | 7,037 |
| Net operating income to assets | 2.6009% | 107 |
| Return on assets (ROA) | 2.6011% | 109 |
| Pretax return on assets | 2.6351% | 149 |
| Return on Equity (ROE) | 26.1758% | 112 |
| Retained earnings to average equity (ytd only) | 10.2941% | 411 |
| Net charge-offs to loans | 0.0223% | 6,536 |
| Credit loss provision to net charge-offs | 227.2727% | 2,087 |
| Earnings coverage of net charge-offs (x) | 206.3273% | 231 |
| Efficiency ratio | 41.4941% | 8,086 |
| Assets per employee ($millions) | 3.4959% | 4,672 |
| Cash dividends to net income (ytd only)* | 60.6733% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7490% | 1,770 |
| Loan loss allowance to noncurrent loans | 411.7707% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 6,272 |
| Noncurrent loans to loans | 0.4247% | 6,068 |
| Net loans and leases to total assets | 55.2532% | 6,522 |
| Net loans and leases to deposits | 80.8075% | 4,907 |
| Net loans and leases to core deposits | 85.5574% | 6,165 |
| Total domestic deposits to total assets | 68.3763% | 7,432 |
| Equity capital to assets | 11.4939% | 2,640 |
| Core capital (leverage) ratio | 8.7968% | 5,037 |
| Tier 1 risk-based capital ratio | 13.0697% | 4,075 |
| Total risk-based capital ratio | 14.3224% | 3,981 |
| Memoranda: | ||
| Average total assets | $425,936,400 | 1,597 |
| Average earning assets | $385,541,000 | 1,611 |
| Average equity | $42,325,400 | 1,579 |
| Average total loans | $247,012,000 | 1,924 |