Home > HNB National Bank > Performance and Condition Ratios
HNB National 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 | 4.7029% | 2,678 |
| Cost of funding earning assets | 0.9977% | 3,301 |
| Net interest margin | 3.7053% | 1,756 |
| Noninterest income to average assets | 0.8600% | 824 |
| Noninterest expense to average assets | 2.1502% | 3,256 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.9867% | 478 |
| Return on assets (ROA) | 1.9867% | 462 |
| Pretax return on assets | 1.9867% | 691 |
| Return on Equity (ROE) | 20.0300% | 617 |
| Retained earnings to average equity (ytd only) | 19.4095% | 145 |
| Net charge-offs to loans | -0.0059% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.0007% | 4,039 |
| Assets per employee ($millions) | 5.9757% | 2,844 |
| Cash dividends to net income (ytd only)* | 3.0933% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,068 |
| Loan loss allowance to noncurrent loans | 655.3895% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 2,822 |
| Noncurrent loans to loans | 0.1602% | 2,720 |
| Net loans and leases to total assets | 66.3400% | 2,222 |
| Net loans and leases to deposits | 79.2369% | 2,166 |
| Net loans and leases to core deposits | 83.6777% | 2,481 |
| Total domestic deposits to total assets | 83.7200% | 2,697 |
| Equity capital to assets | 9.8137% | 2,114 |
| Core capital (leverage) ratio | 10.8417% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $748,537,600 | 1,241 |
| Average earning assets | $694,420,000 | 1,242 |
| Average equity | $74,247,000 | 1,190 |
| Average total loans | $488,177,200 | 1,255 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 3,191 |
| Cost of funding earning assets | 0.8096% | 3,494 |
| Net interest margin | 3.5442% | 2,122 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 2.0987% | 3,358 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 1.9020% | 562 |
| Return on assets (ROA) | 1.9020% | 554 |
| Pretax return on assets | 1.9020% | 859 |
| Return on Equity (ROE) | 19.1100% | 810 |
| Retained earnings to average equity (ytd only) | -13.3042% | 4,522 |
| Net charge-offs to loans | -0.0052% | 3,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.7628% | 3,933 |
| Assets per employee ($millions) | 5.6895% | 3,032 |
| Cash dividends to net income (ytd only)* | 169.6073% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 2,970 |
| Loan loss allowance to noncurrent loans | 645.0108% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 2,839 |
| Noncurrent loans to loans | 0.1673% | 2,698 |
| Net loans and leases to total assets | 65.1700% | 2,326 |
| Net loans and leases to deposits | 73.2321% | 2,631 |
| Net loans and leases to core deposits | 79.0672% | 2,668 |
| Total domestic deposits to total assets | 89.0000% | 1,249 |
| Equity capital to assets | 8.8545% | 2,500 |
| Core capital (leverage) ratio | 12.6608% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $717,560,500 | 1,279 |
| Average earning assets | $665,637,500 | 1,281 |
| Average equity | $71,404,000 | 1,226 |
| Average total loans | $463,997,500 | 1,304 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 3,009 |
| Cost of funding earning assets | 0.7332% | 3,397 |
| Net interest margin | 3.6111% | 2,013 |
| Noninterest income to average assets | 0.8300% | 808 |
| Noninterest expense to average assets | 2.1883% | 3,111 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 2.0096% | 458 |
| Return on assets (ROA) | 2.0096% | 453 |
| Pretax return on assets | 2.0096% | 732 |
| Return on Equity (ROE) | 19.3200% | 788 |
| Retained earnings to average equity (ytd only) | 19.3193% | 272 |
| Net charge-offs to loans | 0.0198% | 1,498 |
| Credit loss provision to net charge-offs | 58.1395% | 1,641 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 721 |
| Efficiency ratio | 51.7012% | 3,795 |
| Assets per employee ($millions) | 5.4961% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,176 |
| Loan loss allowance to noncurrent loans | 1,166.8317% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 3,185 |
| Noncurrent loans to loans | 0.0901% | 3,057 |
| Net loans and leases to total assets | 64.0400% | 2,379 |
| Net loans and leases to deposits | 71.9079% | 2,654 |
| Net loans and leases to core deposits | 73.7859% | 2,908 |
| Total domestic deposits to total assets | 89.0600% | 1,240 |
| Equity capital to assets | 10.5427% | 1,580 |
| Core capital (leverage) ratio | 13.7559% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $677,961,667 | 1,332 |
| Average earning assets | $633,102,000 | 1,318 |
| Average equity | $70,520,333 | 1,228 |
| Average total loans | $434,985,667 | 1,360 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 3,211 |
| Cost of funding earning assets | 0.5814% | 3,436 |
| Net interest margin | 3.5397% | 2,262 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 2.1983% | 3,101 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9622% | 520 |
| Return on assets (ROA) | 1.9622% | 511 |
| Pretax return on assets | 1.9622% | 833 |
| Return on Equity (ROE) | 19.0000% | 888 |
| Retained earnings to average equity (ytd only) | 18.9966% | 438 |
| Net charge-offs to loans | 0.0233% | 1,215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 131.6000% | 661 |
| Efficiency ratio | 52.4943% | 3,739 |
| Assets per employee ($millions) | 5.3130% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,027 |
| Loan loss allowance to noncurrent loans | 592.0755% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 2,683 |
| Noncurrent loans to loans | 0.1866% | 2,547 |
| Net loans and leases to total assets | 62.9200% | 2,366 |
| Net loans and leases to deposits | 70.8623% | 2,548 |
| Net loans and leases to core deposits | 72.6973% | 2,765 |
| Total domestic deposits to total assets | 88.8000% | 1,616 |
| Equity capital to assets | 10.7682% | 1,425 |
| Core capital (leverage) ratio | 13.5397% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $670,685,500 | 1,361 |
| Average earning assets | $626,043,000 | 1,352 |
| Average equity | $69,275,500 | 1,255 |
| Average total loans | $428,378,000 | 1,391 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6296% | 2,707 |
| Cost of funding earning assets | 0.1891% | 3,843 |
| Net interest margin | 3.4405% | 2,132 |
| Noninterest income to average assets | 1.1000% | 545 |
| Noninterest expense to average assets | 2.0893% | 3,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.2355% | 202 |
| Return on assets (ROA) | 2.2355% | 192 |
| Pretax return on assets | 2.2355% | 295 |
| Return on Equity (ROE) | 21.1000% | 389 |
| Retained earnings to average equity (ytd only) | 1.7649% | 4,026 |
| Net charge-offs to loans | 0.0008% | 2,564 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 5,001.6667% | 29 |
| Efficiency ratio | 47.9796% | 4,242 |
| Assets per employee ($millions) | 5.4188% | 3,295 |
| Cash dividends to net income (ytd only)* | 91.6361% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 2,902 |
| Loan loss allowance to noncurrent loans | 683.8150% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 2,801 |
| Noncurrent loans to loans | 0.1606% | 2,690 |
| Net loans and leases to total assets | 63.4100% | 2,292 |
| Net loans and leases to deposits | 72.1008% | 2,399 |
| Net loans and leases to core deposits | 73.5129% | 2,606 |
| Total domestic deposits to total assets | 87.9500% | 2,083 |
| Equity capital to assets | 9.8916% | 1,763 |
| Core capital (leverage) ratio | 13.1303% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $671,228,600 | 1,345 |
| Average earning assets | $628,255,400 | 1,332 |
| Average equity | $71,109,800 | 1,234 |
| Average total loans | $390,485,600 | 1,429 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4805% | 2,680 |
| Cost of funding earning assets | 0.1315% | 4,020 |
| Net interest margin | 3.3490% | 2,143 |
| Noninterest income to average assets | 1.2100% | 502 |
| Noninterest expense to average assets | 2.1017% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.2493% | 202 |
| Return on assets (ROA) | 2.2493% | 198 |
| Pretax return on assets | 2.2493% | 295 |
| Return on Equity (ROE) | 20.8900% | 370 |
| Retained earnings to average equity (ytd only) | -3.0975% | 4,541 |
| Net charge-offs to loans | 0.0021% | 2,202 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,886.8333% | 69 |
| Efficiency ratio | 47.9748% | 4,273 |
| Assets per employee ($millions) | 5.2408% | 3,467 |
| Cash dividends to net income (ytd only)* | 114.8308% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 2,622 |
| Loan loss allowance to noncurrent loans | 696.4654% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 2,899 |
| Noncurrent loans to loans | 0.1698% | 2,740 |
| Net loans and leases to total assets | 60.8200% | 2,420 |
| Net loans and leases to deposits | 67.5984% | 2,570 |
| Net loans and leases to core deposits | 68.8964% | 2,730 |
| Total domestic deposits to total assets | 89.9700% | 1,677 |
| Equity capital to assets | 9.5540% | 1,848 |
| Core capital (leverage) ratio | 12.4563% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $671,054,000 | 1,353 |
| Average earning assets | $628,588,750 | 1,340 |
| Average equity | $72,271,250 | 1,231 |
| Average total loans | $380,403,500 | 1,450 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2926% | 2,766 |
| Cost of funding earning assets | 0.1192% | 3,975 |
| Net interest margin | 3.1734% | 2,273 |
| Noninterest income to average assets | 0.9518% | 748 |
| Noninterest expense to average assets | 2.0707% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8578% | 297 |
| Return on assets (ROA) | 1.8578% | 291 |
| Pretax return on assets | 1.8578% | 516 |
| Return on Equity (ROE) | 16.6496% | 612 |
| Retained earnings to average equity (ytd only) | -17.7121% | 4,715 |
| Net charge-offs to loans | -0.0075% | 3,474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3498% | 4,098 |
| Assets per employee ($millions) | 5.4133% | 3,313 |
| Cash dividends to net income (ytd only)* | 206.3820% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,533 |
| Loan loss allowance to noncurrent loans | 459.8068% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 2,634 |
| Noncurrent loans to loans | 0.2674% | 2,408 |
| Net loans and leases to total assets | 56.9456% | 2,647 |
| Net loans and leases to deposits | 63.1397% | 2,794 |
| Net loans and leases to core deposits | 64.6738% | 2,919 |
| Total domestic deposits to total assets | 90.1899% | 1,634 |
| Equity capital to assets | 9.3561% | 2,125 |
| Core capital (leverage) ratio | 11.6090% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $678,118,333 | 1,350 |
| Average earning assets | $636,091,000 | 1,344 |
| Average equity | $75,665,667 | 1,218 |
| Average total loans | $373,878,667 | 1,459 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1187% | 2,918 |
| Cost of funding earning assets | 0.1201% | 3,896 |
| Net interest margin | 2.9987% | 2,509 |
| Noninterest income to average assets | 0.9860% | 692 |
| Noninterest expense to average assets | 2.0565% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7437% | 372 |
| Return on assets (ROA) | 1.7437% | 375 |
| Pretax return on assets | 1.7437% | 628 |
| Return on Equity (ROE) | 14.4755% | 737 |
| Retained earnings to average equity (ytd only) | 14.4755% | 332 |
| Net charge-offs to loans | -0.0044% | 3,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7452% | 4,075 |
| Assets per employee ($millions) | 5.5027% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,317 |
| Loan loss allowance to noncurrent loans | 537.5281% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 2,901 |
| Noncurrent loans to loans | 0.2434% | 2,620 |
| Net loans and leases to total assets | 52.0556% | 2,985 |
| Net loans and leases to deposits | 59.0561% | 2,984 |
| Net loans and leases to core deposits | 61.2578% | 3,042 |
| Total domestic deposits to total assets | 88.1460% | 2,463 |
| Equity capital to assets | 11.4959% | 1,126 |
| Core capital (leverage) ratio | 12.8621% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $681,555,500 | 1,353 |
| Average earning assets | $639,620,000 | 1,347 |
| Average equity | $82,097,500 | 1,170 |
| Average total loans | $367,316,500 | 1,466 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7945% | 1,883 |
| Cost of funding earning assets | 0.1788% | 3,674 |
| Net interest margin | 3.6157% | 1,422 |
| Noninterest income to average assets | 1.2738% | 657 |
| Noninterest expense to average assets | 2.1314% | 3,301 |
| Loan and lease loss provision to assets | 0.0038% | 3,002 |
| Net operating income to assets | 2.5179% | 156 |
| Return on assets (ROA) | 2.5179% | 159 |
| Pretax return on assets | 2.5179% | 247 |
| Return on Equity (ROE) | 20.4289% | 287 |
| Retained earnings to average equity (ytd only) | 8.1110% | 1,493 |
| Net charge-offs to loans | -0.0258% | 4,069 |
| Credit loss provision to net charge-offs | -26.0417% | 3,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4931% | 4,519 |
| Assets per employee ($millions) | 5.2738% | 3,497 |
| Cash dividends to net income (ytd only)* | 60.2965% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 2,377 |
| Loan loss allowance to noncurrent loans | 595.2677% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 3,037 |
| Noncurrent loans to loans | 0.2177% | 2,872 |
| Net loans and leases to total assets | 54.3689% | 2,804 |
| Net loans and leases to deposits | 62.4414% | 2,843 |
| Net loans and leases to core deposits | 64.7252% | 2,924 |
| Total domestic deposits to total assets | 87.0718% | 2,490 |
| Equity capital to assets | 12.6147% | 1,027 |
| Core capital (leverage) ratio | 12.5064% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $658,998,000 | 1,346 |
| Average earning assets | $615,918,600 | 1,346 |
| Average equity | $81,223,200 | 1,194 |
| Average total loans | $372,590,600 | 1,450 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 1,593 |
| Cost of funding earning assets | 0.1938% | 3,679 |
| Net interest margin | 3.7828% | 1,153 |
| Noninterest income to average assets | 1.2305% | 756 |
| Noninterest expense to average assets | 2.1034% | 3,351 |
| Loan and lease loss provision to assets | 0.0050% | 2,877 |
| Net operating income to assets | 2.6550% | 180 |
| Return on assets (ROA) | 2.6550% | 185 |
| Pretax return on assets | 2.6550% | 265 |
| Return on Equity (ROE) | 21.6710% | 322 |
| Retained earnings to average equity (ytd only) | 5.0807% | 3,189 |
| Net charge-offs to loans | -0.0321% | 4,161 |
| Credit loss provision to net charge-offs | -27.7778% | 3,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8502% | 4,595 |
| Assets per employee ($millions) | 5.0151% | 3,682 |
| Cash dividends to net income (ytd only)* | 76.5552% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,304 |
| Loan loss allowance to noncurrent loans | 435.5839% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 3,031 |
| Noncurrent loans to loans | 0.3067% | 2,696 |
| Net loans and leases to total assets | 52.4703% | 3,147 |
| Net loans and leases to deposits | 60.0922% | 3,219 |
| Net loans and leases to core deposits | 62.6677% | 3,250 |
| Total domestic deposits to total assets | 87.3163% | 2,205 |
| Equity capital to assets | 12.2593% | 1,281 |
| Core capital (leverage) ratio | 12.1961% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $656,303,750 | 1,363 |
| Average earning assets | $612,968,500 | 1,364 |
| Average equity | $80,406,500 | 1,223 |
| Average total loans | $373,506,000 | 1,474 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 1,697 |
| Cost of funding earning assets | 0.2154% | 3,596 |
| Net interest margin | 3.7300% | 1,273 |
| Noninterest income to average assets | 1.3000% | 689 |
| Noninterest expense to average assets | 2.1147% | 3,344 |
| Loan and lease loss provision to assets | 0.0077% | 2,760 |
| Net operating income to assets | 2.6612% | 180 |
| Return on assets (ROA) | 2.6612% | 190 |
| Pretax return on assets | 2.6612% | 276 |
| Return on Equity (ROE) | 21.7263% | 338 |
| Retained earnings to average equity (ytd only) | -3.3531% | 4,730 |
| Net charge-offs to loans | -0.0449% | 4,322 |
| Credit loss provision to net charge-offs | -29.4118% | 2,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8993% | 4,622 |
| Assets per employee ($millions) | 4.9163% | 3,730 |
| Cash dividends to net income (ytd only)* | 115.4335% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,502 |
| Loan loss allowance to noncurrent loans | 829.4118% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 3,620 |
| Noncurrent loans to loans | 0.1551% | 3,429 |
| Net loans and leases to total assets | 55.8536% | 2,918 |
| Net loans and leases to deposits | 63.9300% | 3,005 |
| Net loans and leases to core deposits | 66.9414% | 3,039 |
| Total domestic deposits to total assets | 87.3668% | 2,144 |
| Equity capital to assets | 11.7722% | 1,471 |
| Core capital (leverage) ratio | 11.5391% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $651,063,000 | 1,365 |
| Average earning assets | $608,042,667 | 1,365 |
| Average equity | $79,746,667 | 1,224 |
| Average total loans | $378,878,667 | 1,465 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5619% | 2,755 |
| Cost of funding earning assets | 0.2382% | 3,579 |
| Net interest margin | 3.3237% | 2,318 |
| Noninterest income to average assets | 1.4617% | 631 |
| Noninterest expense to average assets | 2.1026% | 3,418 |
| Loan and lease loss provision to assets | 0.0155% | 2,576 |
| Net operating income to assets | 2.4481% | 286 |
| Return on assets (ROA) | 2.4481% | 311 |
| Pretax return on assets | 2.4481% | 478 |
| Return on Equity (ROE) | 19.5985% | 562 |
| Retained earnings to average equity (ytd only) | 19.5985% | 286 |
| Net charge-offs to loans | -0.0482% | 4,378 |
| Credit loss provision to net charge-offs | -54.3478% | 2,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7228% | 4,483 |
| Assets per employee ($millions) | 5.0129% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,620 |
| Loan loss allowance to noncurrent loans | 340.3722% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 3,112 |
| Noncurrent loans to loans | 0.3701% | 2,762 |
| Net loans and leases to total assets | 55.4844% | 3,097 |
| Net loans and leases to deposits | 63.6709% | 3,155 |
| Net loans and leases to core deposits | 66.8507% | 3,169 |
| Total domestic deposits to total assets | 87.1425% | 2,256 |
| Equity capital to assets | 12.2384% | 1,180 |
| Core capital (leverage) ratio | 12.7783% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $647,201,000 | 1,362 |
| Average earning assets | $604,515,500 | 1,361 |
| Average equity | $80,843,000 | 1,200 |
| Average total loans | $381,943,000 | 1,459 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 1,789 |
| Cost of funding earning assets | 0.4152% | 3,493 |
| Net interest margin | 3.9084% | 1,190 |
| Noninterest income to average assets | 2.1236% | 310 |
| Noninterest expense to average assets | 2.3576% | 3,249 |
| Loan and lease loss provision to assets | 0.0506% | 3,746 |
| Net operating income to assets | 3.3268% | 74 |
| Return on assets (ROA) | 3.3268% | 77 |
| Pretax return on assets | 3.3268% | 99 |
| Return on Equity (ROE) | 26.0013% | 97 |
| Retained earnings to average equity (ytd only) | 12.1332% | 301 |
| Net charge-offs to loans | 0.0115% | 2,916 |
| Credit loss provision to net charge-offs | 633.3333% | 1,067 |
| Earnings coverage of net charge-offs (x) | 422.9778% | 267 |
| Efficiency ratio | 40.8558% | 4,853 |
| Assets per employee ($millions) | 4.6469% | 3,765 |
| Cash dividends to net income (ytd only)* | 53.3362% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 2,881 |
| Loan loss allowance to noncurrent loans | 346.4497% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 3,203 |
| Noncurrent loans to loans | 0.3499% | 2,946 |
| Net loans and leases to total assets | 61.3070% | 2,689 |
| Net loans and leases to deposits | 70.5591% | 2,817 |
| Net loans and leases to core deposits | 73.5742% | 2,946 |
| Total domestic deposits to total assets | 86.8874% | 1,993 |
| Equity capital to assets | 12.7639% | 1,199 |
| Core capital (leverage) ratio | 12.9593% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $563,581,800 | 1,415 |
| Average earning assets | $520,750,000 | 1,407 |
| Average equity | $72,107,800 | 1,265 |
| Average total loans | $392,699,200 | 1,382 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 1,838 |
| Cost of funding earning assets | 0.4564% | 3,490 |
| Net interest margin | 3.9492% | 1,239 |
| Noninterest income to average assets | 2.2655% | 281 |
| Noninterest expense to average assets | 2.3272% | 3,352 |
| Loan and lease loss provision to assets | 0.0328% | 3,926 |
| Net operating income to assets | 3.5468% | 68 |
| Return on assets (ROA) | 3.5468% | 70 |
| Pretax return on assets | 3.5468% | 87 |
| Return on Equity (ROE) | 27.7020% | 80 |
| Retained earnings to average equity (ytd only) | 8.7267% | 1,064 |
| Net charge-offs to loans | 0.0051% | 2,960 |
| Credit loss provision to net charge-offs | 900.0000% | 899 |
| Earnings coverage of net charge-offs (x) | 982.2667% | 122 |
| Efficiency ratio | 39.1601% | 4,910 |
| Assets per employee ($millions) | 4.3861% | 3,964 |
| Cash dividends to net income (ytd only)* | 68.4978% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 2,920 |
| Loan loss allowance to noncurrent loans | 415.2941% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 3,492 |
| Noncurrent loans to loans | 0.2777% | 3,297 |
| Net loans and leases to total assets | 66.9101% | 2,397 |
| Net loans and leases to deposits | 77.3177% | 2,614 |
| Net loans and leases to core deposits | 80.2280% | 2,823 |
| Total domestic deposits to total assets | 86.5392% | 1,845 |
| Equity capital to assets | 12.8226% | 1,264 |
| Core capital (leverage) ratio | 12.8835% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $548,807,750 | 1,423 |
| Average earning assets | $506,019,000 | 1,424 |
| Average equity | $70,265,250 | 1,279 |
| Average total loans | $394,266,750 | 1,367 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 1,668 |
| Cost of funding earning assets | 0.4984% | 3,540 |
| Net interest margin | 4.0901% | 1,136 |
| Noninterest income to average assets | 1.9640% | 295 |
| Noninterest expense to average assets | 2.3369% | 3,436 |
| Loan and lease loss provision to assets | 0.0131% | 4,059 |
| Net operating income to assets | 3.3813% | 64 |
| Return on assets (ROA) | 3.3813% | 68 |
| Pretax return on assets | 3.3813% | 84 |
| Return on Equity (ROE) | 26.4242% | 94 |
| Retained earnings to average equity (ytd only) | -2.7448% | 4,639 |
| Net charge-offs to loans | -0.0010% | 3,751 |
| Credit loss provision to net charge-offs | -1,750.0000% | 3,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5536% | 4,902 |
| Assets per employee ($millions) | 4.2418% | 4,062 |
| Cash dividends to net income (ytd only)* | 110.3875% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 2,883 |
| Loan loss allowance to noncurrent loans | 533.8863% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 3,780 |
| Noncurrent loans to loans | 0.2114% | 3,626 |
| Net loans and leases to total assets | 69.4369% | 2,122 |
| Net loans and leases to deposits | 79.7552% | 2,451 |
| Net loans and leases to core deposits | 82.3328% | 2,750 |
| Total domestic deposits to total assets | 87.0626% | 1,593 |
| Equity capital to assets | 12.2895% | 1,488 |
| Core capital (leverage) ratio | 12.2970% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $535,831,667 | 1,427 |
| Average earning assets | $493,533,000 | 1,428 |
| Average equity | $68,566,000 | 1,293 |
| Average total loans | $393,074,333 | 1,347 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8427% | 1,326 |
| Cost of funding earning assets | 0.5556% | 3,662 |
| Net interest margin | 4.2871% | 779 |
| Noninterest income to average assets | 2.5245% | 195 |
| Noninterest expense to average assets | 2.4290% | 3,479 |
| Loan and lease loss provision to assets | 0.0115% | 3,632 |
| Net operating income to assets | 4.0228% | 37 |
| Return on assets (ROA) | 4.0228% | 39 |
| Pretax return on assets | 4.0228% | 47 |
| Return on Equity (ROE) | 30.7706% | 33 |
| Retained earnings to average equity (ytd only) | -28.1205% | 5,031 |
| Net charge-offs to loans | 0.0010% | 2,560 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 5,240.0000% | 2 |
| Efficiency ratio | 37.4270% | 5,015 |
| Assets per employee ($millions) | 3.8908% | 4,063 |
| Cash dividends to net income (ytd only)* | 191.3876% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 3,042 |
| Loan loss allowance to noncurrent loans | 425.5238% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 3,677 |
| Noncurrent loans to loans | 0.2658% | 3,542 |
| Net loans and leases to total assets | 74.9200% | 1,470 |
| Net loans and leases to deposits | 86.1059% | 1,986 |
| Net loans and leases to core deposits | 88.4267% | 2,489 |
| Total domestic deposits to total assets | 87.0092% | 1,551 |
| Equity capital to assets | 12.5108% | 1,720 |
| Core capital (leverage) ratio | 12.3749% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4294% | 1,247 |
| Memoranda: | ||
| Average total assets | $519,545,000 | 1,417 |
| Average earning assets | $477,339,500 | 1,430 |
| Average equity | $67,922,000 | 1,297 |
| Average total loans | $390,017,000 | 1,320 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0119% | 1,447 |
| Cost of funding earning assets | 0.4669% | 4,214 |
| Net interest margin | 4.5451% | 660 |
| Noninterest income to average assets | 1.1291% | 737 |
| Noninterest expense to average assets | 2.6562% | 3,010 |
| Loan and lease loss provision to assets | 0.0061% | 3,885 |
| Net operating income to assets | 2.6311% | 115 |
| Return on assets (ROA) | 2.6311% | 122 |
| Pretax return on assets | 2.6311% | 166 |
| Return on Equity (ROE) | 19.2840% | 252 |
| Retained earnings to average equity (ytd only) | 7.3119% | 1,250 |
| Net charge-offs to loans | -0.0126% | 4,530 |
| Credit loss provision to net charge-offs | -62.5000% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9749% | 4,734 |
| Assets per employee ($millions) | 3.8636% | 4,077 |
| Cash dividends to net income (ytd only)* | 62.0829% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 2,659 |
| Loan loss allowance to noncurrent loans | 412.0259% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 3,630 |
| Noncurrent loans to loans | 0.2808% | 3,436 |
| Net loans and leases to total assets | 73.4957% | 1,841 |
| Net loans and leases to deposits | 85.5555% | 2,148 |
| Net loans and leases to core deposits | 87.7362% | 2,633 |
| Total domestic deposits to total assets | 85.9040% | 2,103 |
| Equity capital to assets | 13.6399% | 1,234 |
| Core capital (leverage) ratio | 13.4839% | 1,060 |
| Tier 1 risk-based capital ratio | 17.4951% | 1,893 |
| Total risk-based capital ratio | 18.7460% | 1,849 |
| Memoranda: | ||
| Average total assets | $489,760,800 | 1,454 |
| Average earning assets | $448,729,000 | 1,461 |
| Average equity | $66,822,200 | 1,268 |
| Average total loans | $382,291,000 | 1,315 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 1,466 |
| Cost of funding earning assets | 0.4342% | 4,387 |
| Net interest margin | 4.5943% | 627 |
| Noninterest income to average assets | 1.1312% | 710 |
| Noninterest expense to average assets | 2.6709% | 2,942 |
| Loan and lease loss provision to assets | 0.0069% | 3,746 |
| Net operating income to assets | 2.6646% | 128 |
| Return on assets (ROA) | 2.6646% | 133 |
| Pretax return on assets | 2.6646% | 180 |
| Return on Equity (ROE) | 19.5279% | 278 |
| Retained earnings to average equity (ytd only) | 3.3356% | 3,738 |
| Net charge-offs to loans | -0.0220% | 4,604 |
| Credit loss provision to net charge-offs | -39.6825% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7880% | 4,757 |
| Assets per employee ($millions) | 3.7999% | 4,164 |
| Cash dividends to net income (ytd only)* | 82.9187% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 2,737 |
| Loan loss allowance to noncurrent loans | 381.2126% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 3,648 |
| Noncurrent loans to loans | 0.3035% | 3,447 |
| Net loans and leases to total assets | 75.4732% | 1,570 |
| Net loans and leases to deposits | 87.6431% | 1,983 |
| Net loans and leases to core deposits | 89.5495% | 2,580 |
| Total domestic deposits to total assets | 86.1142% | 1,940 |
| Equity capital to assets | 13.3262% | 1,453 |
| Core capital (leverage) ratio | 13.4180% | 1,159 |
| Tier 1 risk-based capital ratio | 16.7906% | 2,153 |
| Total risk-based capital ratio | 18.0533% | 2,099 |
| Memoranda: | ||
| Average total assets | $482,770,250 | 1,478 |
| Average earning assets | $442,507,750 | 1,482 |
| Average equity | $65,873,500 | 1,284 |
| Average total loans | $381,624,250 | 1,328 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 1,482 |
| Cost of funding earning assets | 0.3952% | 4,534 |
| Net interest margin | 4.6078% | 606 |
| Noninterest income to average assets | 1.0757% | 736 |
| Noninterest expense to average assets | 2.7452% | 2,769 |
| Loan and lease loss provision to assets | 0.0105% | 3,541 |
| Net operating income to assets | 2.5394% | 147 |
| Return on assets (ROA) | 2.5394% | 151 |
| Pretax return on assets | 2.5394% | 225 |
| Return on Equity (ROE) | 18.4577% | 357 |
| Retained earnings to average equity (ytd only) | -6.0139% | 5,091 |
| Net charge-offs to loans | -0.0352% | 4,729 |
| Credit loss provision to net charge-offs | -37.3134% | 3,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6293% | 4,682 |
| Assets per employee ($millions) | 3.6091% | 4,371 |
| Cash dividends to net income (ytd only)* | 132.5820% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 2,774 |
| Loan loss allowance to noncurrent loans | 327.8063% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 3,358 |
| Noncurrent loans to loans | 0.3516% | 3,293 |
| Net loans and leases to total assets | 79.8360% | 902 |
| Net loans and leases to deposits | 92.6321% | 1,421 |
| Net loans and leases to core deposits | 94.1216% | 2,233 |
| Total domestic deposits to total assets | 86.1861% | 1,936 |
| Equity capital to assets | 13.2516% | 1,469 |
| Core capital (leverage) ratio | 13.1315% | 1,243 |
| Tier 1 risk-based capital ratio | 15.7649% | 2,516 |
| Total risk-based capital ratio | 17.0211% | 2,447 |
| Memoranda: | ||
| Average total assets | $475,233,330 | 1,499 |
| Average earning assets | $435,172,670 | 1,511 |
| Average equity | $65,382,000 | 1,282 |
| Average total loans | $380,202,000 | 1,335 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 1,554 |
| Cost of funding earning assets | 0.3480% | 4,688 |
| Net interest margin | 4.5679% | 652 |
| Noninterest income to average assets | 1.0481% | 727 |
| Noninterest expense to average assets | 2.7586% | 2,709 |
| Loan and lease loss provision to assets | 0.0211% | 3,164 |
| Net operating income to assets | 2.4541% | 176 |
| Return on assets (ROA) | 2.4541% | 185 |
| Pretax return on assets | 2.4541% | 271 |
| Return on Equity (ROE) | 17.5106% | 443 |
| Retained earnings to average equity (ytd only) | 17.5106% | 162 |
| Net charge-offs to loans | -0.0244% | 4,572 |
| Credit loss provision to net charge-offs | -108.6957% | 3,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4972% | 4,661 |
| Assets per employee ($millions) | 3.5782% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 2,670 |
| Loan loss allowance to noncurrent loans | 242.6769% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 2,920 |
| Noncurrent loans to loans | 0.4880% | 2,848 |
| Net loans and leases to total assets | 77.5650% | 1,226 |
| Net loans and leases to deposits | 91.0509% | 1,507 |
| Net loans and leases to core deposits | 92.7603% | 2,234 |
| Total domestic deposits to total assets | 85.1887% | 2,606 |
| Equity capital to assets | 14.2860% | 941 |
| Core capital (leverage) ratio | 14.2300% | 889 |
| Tier 1 risk-based capital ratio | 17.4968% | 1,943 |
| Total risk-based capital ratio | 18.7634% | 1,887 |
| Memoranda: | ||
| Average total assets | $472,845,500 | 1,516 |
| Average earning assets | $433,288,500 | 1,526 |
| Average equity | $66,268,500 | 1,260 |
| Average total loans | $376,459,000 | 1,350 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7601% | 1,643 |
| Cost of funding earning assets | 0.2504% | 4,803 |
| Net interest margin | 4.5097% | 746 |
| Noninterest income to average assets | 1.0494% | 861 |
| Noninterest expense to average assets | 2.6742% | 3,115 |
| Loan and lease loss provision to assets | 0.0778% | 2,571 |
| Net operating income to assets | 2.4114% | 168 |
| Return on assets (ROA) | 2.4118% | 166 |
| Pretax return on assets | 2.4118% | 242 |
| Return on Equity (ROE) | 18.7879% | 319 |
| Retained earnings to average equity (ytd only) | 7.1576% | 1,601 |
| Net charge-offs to loans | 0.0193% | 3,055 |
| Credit loss provision to net charge-offs | 521.4286% | 669 |
| Earnings coverage of net charge-offs (x) | 166.7286% | 519 |
| Efficiency ratio | 51.5717% | 4,831 |
| Assets per employee ($millions) | 3.5862% | 4,462 |
| Cash dividends to net income (ytd only)* | 61.9031% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 2,809 |
| Loan loss allowance to noncurrent loans | 268.1373% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 3,155 |
| Noncurrent loans to loans | 0.4302% | 2,996 |
| Net loans and leases to total assets | 79.8197% | 967 |
| Net loans and leases to deposits | 92.9820% | 1,403 |
| Net loans and leases to core deposits | 94.3278% | 2,200 |
| Total domestic deposits to total assets | 85.8443% | 2,304 |
| Equity capital to assets | 13.7402% | 1,050 |
| Core capital (leverage) ratio | 13.7723% | 992 |
| Tier 1 risk-based capital ratio | 16.5057% | 2,235 |
| Total risk-based capital ratio | 17.7570% | 2,179 |
| Memoranda: | ||
| Average total assets | $468,853,400 | 1,492 |
| Average earning assets | $427,720,400 | 1,505 |
| Average equity | $60,187,600 | 1,319 |
| Average total loans | $362,211,600 | 1,361 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7047% | 1,661 |
| Cost of funding earning assets | 0.2365% | 4,863 |
| Net interest margin | 4.4683% | 791 |
| Noninterest income to average assets | 1.0430% | 874 |
| Noninterest expense to average assets | 2.6375% | 3,171 |
| Loan and lease loss provision to assets | 0.0825% | 2,302 |
| Net operating income to assets | 2.3931% | 186 |
| Return on assets (ROA) | 2.3936% | 187 |
| Pretax return on assets | 2.3936% | 283 |
| Return on Equity (ROE) | 18.9807% | 339 |
| Retained earnings to average equity (ytd only) | 3.1879% | 4,151 |
| Net charge-offs to loans | 0.0063% | 3,208 |
| Credit loss provision to net charge-offs | 1,705.8824% | 245 |
| Earnings coverage of net charge-offs (x) | 511.7353% | 178 |
| Efficiency ratio | 51.3605% | 4,860 |
| Assets per employee ($millions) | 3.5782% | 4,458 |
| Cash dividends to net income (ytd only)* | 83.2046% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 2,684 |
| Loan loss allowance to noncurrent loans | 240.1544% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 3,127 |
| Noncurrent loans to loans | 0.4954% | 2,906 |
| Net loans and leases to total assets | 77.1500% | 1,479 |
| Net loans and leases to deposits | 89.3159% | 1,981 |
| Net loans and leases to core deposits | 90.7467% | 2,592 |
| Total domestic deposits to total assets | 86.3789% | 2,025 |
| Equity capital to assets | 13.1115% | 1,287 |
| Core capital (leverage) ratio | 13.1839% | 1,216 |
| Tier 1 risk-based capital ratio | 16.1818% | 2,383 |
| Total risk-based capital ratio | 17.4478% | 2,323 |
| Memoranda: | ||
| Average total assets | $468,619,000 | 1,503 |
| Average earning assets | $426,852,250 | 1,517 |
| Average equity | $59,097,000 | 1,340 |
| Average total loans | $357,924,000 | 1,373 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6421% | 1,663 |
| Cost of funding earning assets | 0.2255% | 4,885 |
| Net interest margin | 4.4166% | 820 |
| Noninterest income to average assets | 1.0308% | 907 |
| Noninterest expense to average assets | 2.6634% | 3,126 |
| Loan and lease loss provision to assets | 0.0918% | 2,090 |
| Net operating income to assets | 2.2886% | 214 |
| Return on assets (ROA) | 2.2895% | 209 |
| Pretax return on assets | 2.2895% | 336 |
| Return on Equity (ROE) | 18.3984% | 380 |
| Retained earnings to average equity (ytd only) | -5.6115% | 5,314 |
| Net charge-offs to loans | -0.0276% | 4,713 |
| Credit loss provision to net charge-offs | -438.7755% | 4,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5768% | 4,827 |
| Assets per employee ($millions) | 3.5312% | 4,549 |
| Cash dividends to net income (ytd only)* | 130.4996% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,632 |
| Loan loss allowance to noncurrent loans | 277.8133% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 3,384 |
| Noncurrent loans to loans | 0.4375% | 3,125 |
| Net loans and leases to total assets | 76.3468% | 1,582 |
| Net loans and leases to deposits | 87.9045% | 2,124 |
| Net loans and leases to core deposits | 89.2588% | 2,626 |
| Total domestic deposits to total assets | 86.8519% | 1,901 |
| Equity capital to assets | 12.6476% | 1,464 |
| Core capital (leverage) ratio | 12.5646% | 1,401 |
| Tier 1 risk-based capital ratio | 15.6396% | 2,574 |
| Total risk-based capital ratio | 16.9060% | 2,514 |
| Memoranda: | ||
| Average total assets | $468,575,670 | 1,504 |
| Average earning assets | $425,756,670 | 1,525 |
| Average equity | $58,309,330 | 1,355 |
| Average total loans | $355,234,000 | 1,379 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5638% | 1,681 |
| Cost of funding earning assets | 0.2137% | 4,935 |
| Net interest margin | 4.3502% | 854 |
| Noninterest income to average assets | 1.0128% | 890 |
| Noninterest expense to average assets | 2.6312% | 3,243 |
| Loan and lease loss provision to assets | 0.1272% | 1,482 |
| Net operating income to assets | 2.1918% | 249 |
| Return on assets (ROA) | 2.1935% | 249 |
| Pretax return on assets | 2.1935% | 387 |
| Return on Equity (ROE) | 17.7700% | 438 |
| Retained earnings to average equity (ytd only) | -30.3313% | 5,554 |
| Net charge-offs to loans | 0.0056% | 2,530 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 546.8000% | 117 |
| Efficiency ratio | 52.9301% | 4,890 |
| Assets per employee ($millions) | 3.6198% | 4,516 |
| Cash dividends to net income (ytd only)* | 270.6883% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 2,732 |
| Loan loss allowance to noncurrent loans | 344.1368% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 3,819 |
| Noncurrent loans to loans | 0.3524% | 3,507 |
| Net loans and leases to total assets | 72.0448% | 2,160 |
| Net loans and leases to deposits | 81.9575% | 2,604 |
| Net loans and leases to core deposits | 84.4881% | 2,935 |
| Total domestic deposits to total assets | 87.9052% | 1,677 |
| Equity capital to assets | 11.6907% | 1,999 |
| Core capital (leverage) ratio | 11.7754% | 1,793 |
| Tier 1 risk-based capital ratio | 15.2836% | 2,746 |
| Total risk-based capital ratio | 16.5498% | 2,677 |
| Memoranda: | ||
| Average total assets | $471,567,500 | 1,506 |
| Average earning assets | $426,833,000 | 1,531 |
| Average equity | $58,210,500 | 1,370 |
| Average total loans | $354,091,500 | 1,384 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 1,893 |
| Cost of funding earning assets | 0.1890% | 5,029 |
| Net interest margin | 4.2570% | 1,061 |
| Noninterest income to average assets | 1.0545% | 911 |
| Noninterest expense to average assets | 2.6763% | 3,210 |
| Loan and lease loss provision to assets | 0.0327% | 3,611 |
| Net operating income to assets | 2.2599% | 176 |
| Return on assets (ROA) | 2.2599% | 177 |
| Pretax return on assets | 2.2599% | 287 |
| Return on Equity (ROE) | 18.6745% | 262 |
| Retained earnings to average equity (ytd only) | 10.8229% | 262 |
| Net charge-offs to loans | 0.2056% | 1,257 |
| Credit loss provision to net charge-offs | 21.1749% | 3,602 |
| Earnings coverage of net charge-offs (x) | 14.8333% | 2,293 |
| Efficiency ratio | 53.6353% | 4,976 |
| Assets per employee ($millions) | 3.6639% | 4,490 |
| Cash dividends to net income (ytd only)* | 42.0443% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,148 |
| Loan loss allowance to noncurrent loans | 286.7885% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 3,548 |
| Noncurrent loans to loans | 0.3956% | 3,342 |
| Net loans and leases to total assets | 76.4280% | 1,521 |
| Net loans and leases to deposits | 88.3120% | 1,983 |
| Net loans and leases to core deposits | 91.2191% | 2,436 |
| Total domestic deposits to total assets | 86.5432% | 2,208 |
| Equity capital to assets | 13.0149% | 1,261 |
| Core capital (leverage) ratio | 12.7758% | 1,229 |
| Tier 1 risk-based capital ratio | 15.9040% | 2,465 |
| Total risk-based capital ratio | 17.1076% | 2,431 |
| Memoranda: | ||
| Average total assets | $473,603,600 | 1,471 |
| Average earning assets | $435,497,400 | 1,489 |
| Average equity | $57,313,600 | 1,374 |
| Average total loans | $355,976,400 | 1,360 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 1,919 |
| Cost of funding earning assets | 0.1867% | 5,081 |
| Net interest margin | 4.2294% | 1,085 |
| Noninterest income to average assets | 1.0452% | 935 |
| Noninterest expense to average assets | 2.6474% | 3,255 |
| Loan and lease loss provision to assets | 0.0322% | 3,477 |
| Net operating income to assets | 2.2572% | 190 |
| Return on assets (ROA) | 2.2572% | 188 |
| Pretax return on assets | 2.2572% | 317 |
| Return on Equity (ROE) | 19.0031% | 279 |
| Retained earnings to average equity (ytd only) | 8.3842% | 1,063 |
| Net charge-offs to loans | 0.0702% | 2,119 |
| Credit loss provision to net charge-offs | 61.4973% | 2,788 |
| Earnings coverage of net charge-offs (x) | 43.6786% | 1,222 |
| Efficiency ratio | 53.3981% | 4,978 |
| Assets per employee ($millions) | 3.6689% | 4,492 |
| Cash dividends to net income (ytd only)* | 55.8798% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 2,502 |
| Loan loss allowance to noncurrent loans | 314.8072% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 3,753 |
| Noncurrent loans to loans | 0.4044% | 3,491 |
| Net loans and leases to total assets | 74.9010% | 1,775 |
| Net loans and leases to deposits | 85.8750% | 2,308 |
| Net loans and leases to core deposits | 88.5727% | 2,720 |
| Total domestic deposits to total assets | 87.2209% | 1,766 |
| Equity capital to assets | 12.3168% | 1,773 |
| Core capital (leverage) ratio | 12.1470% | 1,603 |
| Tier 1 risk-based capital ratio | 15.2644% | 2,810 |
| Total risk-based capital ratio | 16.5312% | 2,738 |
| Memoranda: | ||
| Average total assets | $475,674,500 | 1,476 |
| Average earning assets | $437,692,000 | 1,491 |
| Average equity | $56,501,750 | 1,402 |
| Average total loans | $355,041,500 | 1,378 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 1,898 |
| Cost of funding earning assets | 0.1879% | 5,082 |
| Net interest margin | 4.1872% | 1,103 |
| Noninterest income to average assets | 1.0309% | 955 |
| Noninterest expense to average assets | 2.5613% | 3,549 |
| Loan and lease loss provision to assets | 0.0147% | 3,662 |
| Net operating income to assets | 2.3086% | 173 |
| Return on assets (ROA) | 2.3086% | 172 |
| Pretax return on assets | 2.3086% | 292 |
| Return on Equity (ROE) | 19.6765% | 229 |
| Retained earnings to average equity (ytd only) | 3.5775% | 3,576 |
| Net charge-offs to loans | 0.0249% | 2,719 |
| Credit loss provision to net charge-offs | 79.5455% | 2,269 |
| Earnings coverage of net charge-offs (x) | 125.7955% | 560 |
| Efficiency ratio | 52.2042% | 5,162 |
| Assets per employee ($millions) | 3.7440% | 4,362 |
| Cash dividends to net income (ytd only)* | 81.8182% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 2,448 |
| Loan loss allowance to noncurrent loans | 252.6718% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 3,438 |
| Noncurrent loans to loans | 0.5115% | 3,225 |
| Net loans and leases to total assets | 74.4322% | 1,792 |
| Net loans and leases to deposits | 84.7728% | 2,379 |
| Net loans and leases to core deposits | 87.5932% | 2,742 |
| Total domestic deposits to total assets | 87.8020% | 1,561 |
| Equity capital to assets | 11.7321% | 2,128 |
| Core capital (leverage) ratio | 11.5031% | 1,970 |
| Tier 1 risk-based capital ratio | 14.4284% | 3,202 |
| Total risk-based capital ratio | 15.6953% | 3,121 |
| Memoranda: | ||
| Average total assets | $476,469,330 | 1,477 |
| Average earning assets | $438,528,000 | 1,489 |
| Average equity | $55,904,330 | 1,418 |
| Average total loans | $353,698,670 | 1,382 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3450% | 1,833 |
| Cost of funding earning assets | 0.1996% | 4,977 |
| Net interest margin | 4.1454% | 1,109 |
| Noninterest income to average assets | 0.9829% | 1,040 |
| Noninterest expense to average assets | 2.5268% | 3,729 |
| Loan and lease loss provision to assets | 0.0210% | 3,309 |
| Net operating income to assets | 2.2501% | 207 |
| Return on assets (ROA) | 2.2501% | 212 |
| Pretax return on assets | 2.2501% | 325 |
| Return on Equity (ROE) | 19.1766% | 274 |
| Retained earnings to average equity (ytd only) | 19.1766% | 121 |
| Net charge-offs to loans | 0.0524% | 1,819 |
| Credit loss provision to net charge-offs | 54.3478% | 1,950 |
| Earnings coverage of net charge-offs (x) | 58.8696% | 812 |
| Efficiency ratio | 52.4384% | 5,244 |
| Assets per employee ($millions) | 3.7551% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 2,360 |
| Loan loss allowance to noncurrent loans | 164.1918% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.5903% | 2,878 |
| Noncurrent loans to loans | 0.8132% | 2,415 |
| Net loans and leases to total assets | 71.6173% | 2,125 |
| Net loans and leases to deposits | 81.7837% | 2,538 |
| Net loans and leases to core deposits | 84.9200% | 2,820 |
| Total domestic deposits to total assets | 87.5691% | 1,960 |
| Equity capital to assets | 12.0277% | 1,816 |
| Core capital (leverage) ratio | 11.8763% | 1,707 |
| Tier 1 risk-based capital ratio | 15.3544% | 2,813 |
| Total risk-based capital ratio | 16.6216% | 2,739 |
| Memoranda: | ||
| Average total assets | $476,959,500 | 1,481 |
| Average earning assets | $438,943,000 | 1,486 |
| Average equity | $55,964,000 | 1,405 |
| Average total loans | $351,272,500 | 1,395 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6220% | 1,229 |
| Cost of funding earning assets | 0.2331% | 4,714 |
| Net interest margin | 4.3888% | 792 |
| Noninterest income to average assets | 1.1796% | 811 |
| Noninterest expense to average assets | 2.7721% | 3,114 |
| Loan and lease loss provision to assets | 0.1451% | 1,722 |
| Net operating income to assets | 2.2853% | 205 |
| Return on assets (ROA) | 2.2853% | 213 |
| Pretax return on assets | 2.2853% | 286 |
| Return on Equity (ROE) | 18.1071% | 321 |
| Retained earnings to average equity (ytd only) | 2.9004% | 3,835 |
| Net charge-offs to loans | 0.1945% | 1,422 |
| Credit loss provision to net charge-offs | 92.8144% | 2,751 |
| Earnings coverage of net charge-offs (x) | 15.5449% | 2,193 |
| Efficiency ratio | 53.1852% | 5,302 |
| Assets per employee ($millions) | 3.7268% | 4,433 |
| Cash dividends to net income (ytd only)* | 83.9820% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,508 |
| Loan loss allowance to noncurrent loans | 138.6722% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.7350% | 2,527 |
| Noncurrent loans to loans | 0.9425% | 2,201 |
| Net loans and leases to total assets | 73.7334% | 1,890 |
| Net loans and leases to deposits | 84.6662% | 2,342 |
| Net loans and leases to core deposits | 87.6327% | 2,710 |
| Total domestic deposits to total assets | 87.0871% | 2,092 |
| Equity capital to assets | 11.4394% | 2,219 |
| Core capital (leverage) ratio | 11.3562% | 2,034 |
| Tier 1 risk-based capital ratio | 14.4848% | 3,203 |
| Total risk-based capital ratio | 15.7519% | 3,126 |
| Memoranda: | ||
| Average total assets | $427,254,400 | 1,592 |
| Average earning assets | $391,630,800 | 1,604 |
| Average equity | $53,923,600 | 1,427 |
| Average total loans | $343,498,800 | 1,361 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 1,435 |
| Cost of funding earning assets | 0.2248% | 4,837 |
| Net interest margin | 4.3118% | 909 |
| Noninterest income to average assets | 1.3648% | 629 |
| Noninterest expense to average assets | 2.8125% | 2,962 |
| Loan and lease loss provision to assets | 0.1832% | 1,199 |
| Net operating income to assets | 2.3210% | 203 |
| Return on assets (ROA) | 2.3210% | 217 |
| Pretax return on assets | 2.3210% | 305 |
| Return on Equity (ROE) | 17.9080% | 366 |
| Retained earnings to average equity (ytd only) | 7.9881% | 1,178 |
| Net charge-offs to loans | 0.0999% | 1,950 |
| Credit loss provision to net charge-offs | 223.5294% | 1,320 |
| Earnings coverage of net charge-offs (x) | 30.5531% | 1,470 |
| Efficiency ratio | 52.8989% | 5,320 |
| Assets per employee ($millions) | 3.5380% | 4,731 |
| Cash dividends to net income (ytd only)* | 55.3940% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 2,126 |
| Loan loss allowance to noncurrent loans | 201.6713% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 3,293 |
| Noncurrent loans to loans | 0.7026% | 2,932 |
| Net loans and leases to total assets | 76.0763% | 1,513 |
| Net loans and leases to deposits | 88.1636% | 1,993 |
| Net loans and leases to core deposits | 89.7806% | 2,595 |
| Total domestic deposits to total assets | 86.2898% | 2,222 |
| Equity capital to assets | 12.1986% | 1,982 |
| Core capital (leverage) ratio | 12.7889% | 1,272 |
| Tier 1 risk-based capital ratio | 14.8376% | 3,133 |
| Total risk-based capital ratio | 16.0902% | 3,065 |
| Memoranda: | ||
| Average total assets | $414,811,250 | 1,631 |
| Average earning assets | $380,183,250 | 1,642 |
| Average equity | $53,762,250 | 1,435 |
| Average total loans | $340,277,000 | 1,373 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8066% | 873 |
| Cost of funding earning assets | 0.2211% | 4,925 |
| Net interest margin | 4.5855% | 524 |
| Noninterest income to average assets | 1.1541% | 841 |
| Noninterest expense to average assets | 2.8179% | 2,970 |
| Loan and lease loss provision to assets | 0.2258% | 916 |
| Net operating income to assets | 2.3041% | 199 |
| Return on assets (ROA) | 2.3041% | 208 |
| Pretax return on assets | 2.3041% | 302 |
| Return on Equity (ROE) | 17.3818% | 404 |
| Retained earnings to average equity (ytd only) | 2.2409% | 4,451 |
| Net charge-offs to loans | 0.1519% | 1,416 |
| Credit loss provision to net charge-offs | 177.1654% | 1,415 |
| Earnings coverage of net charge-offs (x) | 19.8504% | 1,751 |
| Efficiency ratio | 52.6928% | 5,406 |
| Assets per employee ($millions) | 3.3358% | 5,011 |
| Cash dividends to net income (ytd only)* | 87.1080% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 2,652 |
| Loan loss allowance to noncurrent loans | 143.2622% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.7908% | 2,615 |
| Noncurrent loans to loans | 0.9241% | 2,423 |
| Net loans and leases to total assets | 84.4378% | 385 |
| Net loans and leases to deposits | 99.7420% | 714 |
| Net loans and leases to core deposits | 102.1302% | 1,459 |
| Total domestic deposits to total assets | 84.6562% | 3,022 |
| Equity capital to assets | 13.5743% | 1,195 |
| Core capital (leverage) ratio | 13.4308% | 1,006 |
| Tier 1 risk-based capital ratio | 15.4227% | 2,895 |
| Total risk-based capital ratio | 16.6748% | 2,825 |
| Memoranda: | ||
| Average total assets | $398,588,000 | 1,697 |
| Average earning assets | $364,542,670 | 1,708 |
| Average equity | $52,837,000 | 1,469 |
| Average total loans | $334,480,330 | 1,396 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6770% | 1,099 |
| Cost of funding earning assets | 0.2181% | 5,024 |
| Net interest margin | 4.4589% | 659 |
| Noninterest income to average assets | 1.1257% | 862 |
| Noninterest expense to average assets | 2.7841% | 3,133 |
| Loan and lease loss provision to assets | 0.2253% | 832 |
| Net operating income to assets | 2.1903% | 229 |
| Return on assets (ROA) | 2.1903% | 242 |
| Pretax return on assets | 2.1903% | 387 |
| Return on Equity (ROE) | 16.7223% | 466 |
| Retained earnings to average equity (ytd only) | -13.8626% | 5,890 |
| Net charge-offs to loans | 0.3845% | 580 |
| Credit loss provision to net charge-offs | 70.5329% | 1,902 |
| Earnings coverage of net charge-offs (x) | 7.5611% | 2,141 |
| Efficiency ratio | 53.5439% | 5,420 |
| Assets per employee ($millions) | 3.3839% | 5,001 |
| Cash dividends to net income (ytd only)* | 182.8989% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 3,032 |
| Loan loss allowance to noncurrent loans | 133.8956% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 2,207 |
| Noncurrent loans to loans | 0.9517% | 2,473 |
| Net loans and leases to total assets | 80.9430% | 691 |
| Net loans and leases to deposits | 94.6383% | 1,080 |
| Net loans and leases to core deposits | 97.0620% | 1,703 |
| Total domestic deposits to total assets | 85.5287% | 2,904 |
| Equity capital to assets | 12.7754% | 1,521 |
| Core capital (leverage) ratio | 12.8752% | 1,210 |
| Tier 1 risk-based capital ratio | 15.1676% | 3,078 |
| Total risk-based capital ratio | 16.4191% | 3,012 |
| Memoranda: | ||
| Average total assets | $399,404,500 | 1,690 |
| Average earning assets | $364,935,000 | 1,702 |
| Average equity | $52,313,500 | 1,475 |
| Average total loans | $331,882,000 | 1,397 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 763 |
| Cost of funding earning assets | 0.2379% | 4,915 |
| Net interest margin | 4.6642% | 485 |
| Noninterest income to average assets | 1.1354% | 920 |
| Noninterest expense to average assets | 2.7761% | 3,327 |
| Loan and lease loss provision to assets | 0.2909% | 597 |
| Net operating income to assets | 2.2915% | 214 |
| Return on assets (ROA) | 2.2976% | 214 |
| Pretax return on assets | 2.2986% | 292 |
| Return on Equity (ROE) | 18.1981% | 363 |
| Retained earnings to average equity (ytd only) | 6.1782% | 1,713 |
| Net charge-offs to loans | 0.2126% | 1,384 |
| Credit loss provision to net charge-offs | 161.9718% | 1,663 |
| Earnings coverage of net charge-offs (x) | 14.3859% | 2,302 |
| Efficiency ratio | 51.7980% | 5,646 |
| Assets per employee ($millions) | 3.3288% | 5,105 |
| Cash dividends to net income (ytd only)* | 66.0502% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,968 |
| Loan loss allowance to noncurrent loans | 168.4025% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.8048% | 2,661 |
| Noncurrent loans to loans | 0.7656% | 2,883 |
| Net loans and leases to total assets | 83.1332% | 474 |
| Net loans and leases to deposits | 97.9716% | 816 |
| Net loans and leases to core deposits | 100.2182% | 1,484 |
| Total domestic deposits to total assets | 84.8544% | 3,150 |
| Equity capital to assets | 13.4257% | 1,150 |
| Core capital (leverage) ratio | 13.3377% | 1,025 |
| Tier 1 risk-based capital ratio | 15.5924% | 2,888 |
| Total risk-based capital ratio | 16.8438% | 2,818 |
| Memoranda: | ||
| Average total assets | $395,377,000 | 1,667 |
| Average earning assets | $358,068,000 | 1,690 |
| Average equity | $49,917,200 | 1,496 |
| Average total loans | $334,001,000 | 1,336 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 697 |
| Cost of funding earning assets | 0.2423% | 4,969 |
| Net interest margin | 4.7005% | 454 |
| Noninterest income to average assets | 1.1414% | 920 |
| Noninterest expense to average assets | 2.7267% | 3,473 |
| Loan and lease loss provision to assets | 0.3036% | 477 |
| Net operating income to assets | 2.3576% | 200 |
| Return on assets (ROA) | 2.3576% | 208 |
| Pretax return on assets | 2.3590% | 310 |
| Return on Equity (ROE) | 18.9755% | 334 |
| Retained earnings to average equity (ytd only) | 2.6829% | 4,507 |
| Net charge-offs to loans | 0.1912% | 1,338 |
| Credit loss provision to net charge-offs | 187.8914% | 1,406 |
| Earnings coverage of net charge-offs (x) | 16.4760% | 2,114 |
| Efficiency ratio | 50.5947% | 5,743 |
| Assets per employee ($millions) | 3.2862% | 5,144 |
| Cash dividends to net income (ytd only)* | 85.8615% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 2,794 |
| Loan loss allowance to noncurrent loans | 156.4174% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.9088% | 2,598 |
| Noncurrent loans to loans | 0.8684% | 2,810 |
| Net loans and leases to total assets | 83.5050% | 425 |
| Net loans and leases to deposits | 98.0222% | 813 |
| Net loans and leases to core deposits | 100.5831% | 1,466 |
| Total domestic deposits to total assets | 85.1899% | 2,936 |
| Equity capital to assets | 13.0882% | 1,406 |
| Core capital (leverage) ratio | 12.9616% | 1,212 |
| Tier 1 risk-based capital ratio | 15.1354% | 3,225 |
| Total risk-based capital ratio | 16.3878% | 3,159 |
| Memoranda: | ||
| Average total assets | $395,189,250 | 1,682 |
| Average earning assets | $357,142,500 | 1,700 |
| Average equity | $49,100,750 | 1,524 |
| Average total loans | $334,097,500 | 1,345 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 658 |
| Cost of funding earning assets | 0.2489% | 4,952 |
| Net interest margin | 4.6962% | 453 |
| Noninterest income to average assets | 1.1045% | 992 |
| Noninterest expense to average assets | 2.7148% | 3,544 |
| Loan and lease loss provision to assets | 0.3404% | 395 |
| Net operating income to assets | 2.2821% | 226 |
| Return on assets (ROA) | 2.2821% | 238 |
| Pretax return on assets | 2.2841% | 347 |
| Return on Equity (ROE) | 18.6958% | 359 |
| Retained earnings to average equity (ytd only) | -6.0942% | 6,062 |
| Net charge-offs to loans | 0.1247% | 1,759 |
| Credit loss provision to net charge-offs | 322.9665% | 883 |
| Earnings coverage of net charge-offs (x) | 24.8995% | 1,546 |
| Efficiency ratio | 50.8454% | 5,809 |
| Assets per employee ($millions) | 3.2819% | 5,193 |
| Cash dividends to net income (ytd only)* | 132.5967% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 2,914 |
| Loan loss allowance to noncurrent loans | 202.0463% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8217% | 2,917 |
| Noncurrent loans to loans | 0.6753% | 3,458 |
| Net loans and leases to total assets | 84.0780% | 367 |
| Net loans and leases to deposits | 97.9913% | 792 |
| Net loans and leases to core deposits | 100.5352% | 1,446 |
| Total domestic deposits to total assets | 85.8015% | 2,794 |
| Equity capital to assets | 12.4668% | 1,680 |
| Core capital (leverage) ratio | 12.2796% | 1,494 |
| Tier 1 risk-based capital ratio | 14.7954% | 3,474 |
| Total risk-based capital ratio | 16.0485% | 3,406 |
| Memoranda: | ||
| Average total assets | $396,564,670 | 1,689 |
| Average earning assets | $357,608,000 | 1,714 |
| Average equity | $48,406,670 | 1,549 |
| Average total loans | $335,112,000 | 1,340 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8865% | 722 |
| Cost of funding earning assets | 0.2509% | 5,012 |
| Net interest margin | 4.6356% | 463 |
| Noninterest income to average assets | 1.1022% | 931 |
| Noninterest expense to average assets | 2.6618% | 3,715 |
| Loan and lease loss provision to assets | 0.4505% | 242 |
| Net operating income to assets | 2.1513% | 253 |
| Return on assets (ROA) | 2.1513% | 268 |
| Pretax return on assets | 2.1513% | 428 |
| Return on Equity (ROE) | 17.8096% | 403 |
| Retained earnings to average equity (ytd only) | -31.9148% | 6,350 |
| Net charge-offs to loans | 0.1285% | 1,485 |
| Credit loss provision to net charge-offs | 416.6667% | 632 |
| Earnings coverage of net charge-offs (x) | 24.0648% | 1,305 |
| Efficiency ratio | 50.5706% | 5,884 |
| Assets per employee ($millions) | 3.3908% | 5,098 |
| Cash dividends to net income (ytd only)* | 279.1996% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 3,366 |
| Loan loss allowance to noncurrent loans | 156.2235% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.9242% | 2,788 |
| Noncurrent loans to loans | 0.8366% | 3,151 |
| Net loans and leases to total assets | 83.3804% | 350 |
| Net loans and leases to deposits | 96.1105% | 823 |
| Net loans and leases to core deposits | 98.5141% | 1,428 |
| Total domestic deposits to total assets | 86.7547% | 2,524 |
| Equity capital to assets | 11.5927% | 2,383 |
| Core capital (leverage) ratio | 11.5679% | 1,950 |
| Tier 1 risk-based capital ratio | 13.9090% | 4,081 |
| Total risk-based capital ratio | 15.1614% | 4,008 |
| Memoranda: | ||
| Average total assets | $399,576,000 | 1,676 |
| Average earning assets | $358,701,500 | 1,710 |
| Average equity | $48,266,000 | 1,558 |
| Average total loans | $336,217,000 | 1,340 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9638% | 834 |
| Cost of funding earning assets | 0.3162% | 4,619 |
| Net interest margin | 4.6475% | 572 |
| Noninterest income to average assets | 1.1475% | 918 |
| Noninterest expense to average assets | 2.7495% | 3,679 |
| Loan and lease loss provision to assets | 0.3853% | 476 |
| Net operating income to assets | 2.2337% | 210 |
| Return on assets (ROA) | 2.2337% | 212 |
| Pretax return on assets | 2.2352% | 296 |
| Return on Equity (ROE) | 18.8180% | 331 |
| Retained earnings to average equity (ytd only) | 9.3214% | 637 |
| Net charge-offs to loans | 0.4719% | 884 |
| Credit loss provision to net charge-offs | 97.7750% | 2,480 |
| Earnings coverage of net charge-offs (x) | 6.6503% | 3,160 |
| Efficiency ratio | 51.2012% | 6,033 |
| Assets per employee ($millions) | 3.2978% | 5,259 |
| Cash dividends to net income (ytd only)* | 50.4654% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 3,892 |
| Loan loss allowance to noncurrent loans | 123.3656% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.0375% | 2,666 |
| Noncurrent loans to loans | 0.9880% | 2,861 |
| Net loans and leases to total assets | 82.7799% | 453 |
| Net loans and leases to deposits | 96.3474% | 880 |
| Net loans and leases to core deposits | 98.9507% | 1,470 |
| Total domestic deposits to total assets | 85.9182% | 2,885 |
| Equity capital to assets | 12.5672% | 1,609 |
| Core capital (leverage) ratio | 12.2701% | 1,462 |
| Tier 1 risk-based capital ratio | 15.2256% | 3,362 |
| Total risk-based capital ratio | 16.4773% | 3,311 |
| Memoranda: | ||
| Average total assets | $399,199,400 | 1,642 |
| Average earning assets | $362,688,400 | 1,658 |
| Average equity | $47,385,600 | 1,522 |
| Average total loans | $333,338,200 | 1,313 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 846 |
| Cost of funding earning assets | 0.3264% | 4,599 |
| Net interest margin | 4.6190% | 589 |
| Noninterest income to average assets | 1.1311% | 944 |
| Noninterest expense to average assets | 2.7441% | 3,651 |
| Loan and lease loss provision to assets | 0.4134% | 402 |
| Net operating income to assets | 2.1821% | 248 |
| Return on assets (ROA) | 2.1821% | 250 |
| Pretax return on assets | 2.1841% | 376 |
| Return on Equity (ROE) | 18.6568% | 383 |
| Retained earnings to average equity (ytd only) | 5.8078% | 2,527 |
| Net charge-offs to loans | 0.3639% | 1,102 |
| Credit loss provision to net charge-offs | 136.1936% | 1,715 |
| Earnings coverage of net charge-offs (x) | 8.5567% | 2,778 |
| Efficiency ratio | 51.3723% | 6,031 |
| Assets per employee ($millions) | 3.2043% | 5,420 |
| Cash dividends to net income (ytd only)* | 68.8705% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 3,531 |
| Loan loss allowance to noncurrent loans | 142.3990% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.0012% | 2,949 |
| Noncurrent loans to loans | 0.9293% | 3,242 |
| Net loans and leases to total assets | 84.6947% | 284 |
| Net loans and leases to deposits | 98.4315% | 705 |
| Net loans and leases to core deposits | 101.1564% | 1,280 |
| Total domestic deposits to total assets | 86.0443% | 2,827 |
| Equity capital to assets | 12.2124% | 1,901 |
| Core capital (leverage) ratio | 11.8626% | 1,781 |
| Tier 1 risk-based capital ratio | 14.4786% | 3,904 |
| Total risk-based capital ratio | 15.7315% | 3,835 |
| Memoranda: | ||
| Average total assets | $399,239,500 | 1,662 |
| Average earning assets | $363,933,750 | 1,663 |
| Average equity | $46,695,000 | 1,545 |
| Average total loans | $333,072,750 | 1,315 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8724% | 958 |
| Cost of funding earning assets | 0.3384% | 4,558 |
| Net interest margin | 4.5341% | 659 |
| Noninterest income to average assets | 1.1318% | 918 |
| Noninterest expense to average assets | 2.7084% | 3,830 |
| Loan and lease loss provision to assets | 0.3672% | 472 |
| Net operating income to assets | 2.1865% | 235 |
| Return on assets (ROA) | 2.1865% | 244 |
| Pretax return on assets | 2.1895% | 375 |
| Return on Equity (ROE) | 18.9660% | 364 |
| Retained earnings to average equity (ytd only) | -0.4531% | 5,761 |
| Net charge-offs to loans | 0.4376% | 934 |
| Credit loss provision to net charge-offs | 101.5131% | 1,957 |
| Earnings coverage of net charge-offs (x) | 7.0688% | 2,685 |
| Efficiency ratio | 51.4410% | 6,100 |
| Assets per employee ($millions) | 3.2399% | 5,358 |
| Cash dividends to net income (ytd only)* | 102.3891% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 4,250 |
| Loan loss allowance to noncurrent loans | 119.0297% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.0951% | 2,881 |
| Noncurrent loans to loans | 1.0374% | 3,161 |
| Net loans and leases to total assets | 82.7348% | 398 |
| Net loans and leases to deposits | 95.2082% | 864 |
| Net loans and leases to core deposits | 97.5462% | 1,469 |
| Total domestic deposits to total assets | 86.8988% | 2,515 |
| Equity capital to assets | 11.4458% | 2,468 |
| Core capital (leverage) ratio | 11.2513% | 2,193 |
| Tier 1 risk-based capital ratio | 14.1422% | 4,157 |
| Total risk-based capital ratio | 15.3757% | 4,111 |
| Memoranda: | ||
| Average total assets | $402,009,670 | 1,652 |
| Average earning assets | $366,470,000 | 1,652 |
| Average equity | $46,346,000 | 1,546 |
| Average total loans | $332,251,670 | 1,314 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7960% | 1,053 |
| Cost of funding earning assets | 0.3492% | 4,549 |
| Net interest margin | 4.4468% | 731 |
| Noninterest income to average assets | 1.0491% | 1,014 |
| Noninterest expense to average assets | 2.7234% | 3,857 |
| Loan and lease loss provision to assets | 0.2596% | 813 |
| Net operating income to assets | 2.1161% | 279 |
| Return on assets (ROA) | 2.1161% | 293 |
| Pretax return on assets | 2.1161% | 417 |
| Return on Equity (ROE) | 18.2906% | 418 |
| Retained earnings to average equity (ytd only) | 18.2906% | 170 |
| Net charge-offs to loans | 0.6275% | 591 |
| Credit loss provision to net charge-offs | 50.3846% | 2,198 |
| Earnings coverage of net charge-offs (x) | 4.6115% | 2,501 |
| Efficiency ratio | 53.4098% | 6,064 |
| Assets per employee ($millions) | 3.2779% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 4,825 |
| Loan loss allowance to noncurrent loans | 103.6589% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.1801% | 2,897 |
| Noncurrent loans to loans | 1.1181% | 3,188 |
| Net loans and leases to total assets | 81.4948% | 396 |
| Net loans and leases to deposits | 94.1985% | 772 |
| Net loans and leases to core deposits | 96.4459% | 1,353 |
| Total domestic deposits to total assets | 86.5138% | 3,100 |
| Equity capital to assets | 11.8589% | 1,972 |
| Core capital (leverage) ratio | 11.6250% | 1,884 |
| Tier 1 risk-based capital ratio | 14.7504% | 3,852 |
| Total risk-based capital ratio | 16.0011% | 3,800 |
| Memoranda: | ||
| Average total assets | $403,758,500 | 1,653 |
| Average earning assets | $367,725,500 | 1,662 |
| Average equity | $46,712,500 | 1,534 |
| Average total loans | $331,462,500 | 1,325 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 1,114 |
| Cost of funding earning assets | 0.5461% | 3,145 |
| Net interest margin | 4.3433% | 1,013 |
| Noninterest income to average assets | 1.1340% | 1,091 |
| Noninterest expense to average assets | 2.7047% | 4,079 |
| Loan and lease loss provision to assets | 0.1944% | 1,906 |
| Net operating income to assets | 2.2122% | 239 |
| Return on assets (ROA) | 2.2122% | 242 |
| Pretax return on assets | 2.2122% | 308 |
| Return on Equity (ROE) | 20.6735% | 254 |
| Retained earnings to average equity (ytd only) | 9.2022% | 732 |
| Net charge-offs to loans | 0.1664% | 3,148 |
| Credit loss provision to net charge-offs | 148.3146% | 1,568 |
| Earnings coverage of net charge-offs (x) | 18.3577% | 1,655 |
| Efficiency ratio | 52.9155% | 6,218 |
| Assets per employee ($millions) | 3.2608% | 5,364 |
| Cash dividends to net income (ytd only)* | 55.4877% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 4,423 |
| Loan loss allowance to noncurrent loans | 108.1842% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.1777% | 3,044 |
| Noncurrent loans to loans | 1.1498% | 3,241 |
| Net loans and leases to total assets | 80.7224% | 523 |
| Net loans and leases to deposits | 92.6444% | 993 |
| Net loans and leases to core deposits | 94.6944% | 1,548 |
| Total domestic deposits to total assets | 87.1314% | 2,656 |
| Equity capital to assets | 11.2808% | 2,360 |
| Core capital (leverage) ratio | 11.1264% | 2,260 |
| Tier 1 risk-based capital ratio | 10.1321% | 6,480 |
| Total risk-based capital ratio | 11.1404% | 6,507 |
| Memoranda: | ||
| Average total assets | $407,334,600 | 1,617 |
| Average earning assets | $373,011,400 | 1,622 |
| Average equity | $43,587,200 | 1,606 |
| Average total loans | $320,996,000 | 1,327 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8609% | 1,212 |
| Cost of funding earning assets | 0.5793% | 3,002 |
| Net interest margin | 4.2817% | 1,137 |
| Noninterest income to average assets | 1.1631% | 1,083 |
| Noninterest expense to average assets | 2.7389% | 3,871 |
| Loan and lease loss provision to assets | 0.1853% | 1,964 |
| Net operating income to assets | 2.1681% | 277 |
| Return on assets (ROA) | 2.1681% | 283 |
| Pretax return on assets | 2.1681% | 419 |
| Return on Equity (ROE) | 20.5375% | 270 |
| Retained earnings to average equity (ytd only) | 5.0632% | 3,034 |
| Net charge-offs to loans | 0.1017% | 3,525 |
| Credit loss provision to net charge-offs | 233.3333% | 1,038 |
| Earnings coverage of net charge-offs (x) | 29.6421% | 1,244 |
| Efficiency ratio | 53.7854% | 6,122 |
| Assets per employee ($millions) | 3.2576% | 5,368 |
| Cash dividends to net income (ytd only)* | 75.3466% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 4,495 |
| Loan loss allowance to noncurrent loans | 109.4315% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.0937% | 3,470 |
| Noncurrent loans to loans | 1.1706% | 3,481 |
| Net loans and leases to total assets | 79.6885% | 583 |
| Net loans and leases to deposits | 90.9351% | 1,071 |
| Net loans and leases to core deposits | 93.3280% | 1,638 |
| Total domestic deposits to total assets | 87.6323% | 2,341 |
| Equity capital to assets | 10.7061% | 3,062 |
| Core capital (leverage) ratio | 10.4939% | 3,009 |
| Tier 1 risk-based capital ratio | 9.7684% | 6,642 |
| Total risk-based capital ratio | 10.8086% | 6,654 |
| Memoranda: | ||
| Average total assets | $408,084,750 | 1,627 |
| Average earning assets | $374,485,750 | 1,623 |
| Average equity | $43,081,000 | 1,635 |
| Average total loans | $318,620,250 | 1,337 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 1,264 |
| Cost of funding earning assets | 0.5935% | 3,001 |
| Net interest margin | 4.2376% | 1,175 |
| Noninterest income to average assets | 1.1913% | 1,072 |
| Noninterest expense to average assets | 2.7172% | 3,973 |
| Loan and lease loss provision to assets | 0.1861% | 2,028 |
| Net operating income to assets | 2.1804% | 271 |
| Return on assets (ROA) | 2.1804% | 289 |
| Pretax return on assets | 2.1804% | 436 |
| Return on Equity (ROE) | 20.7502% | 262 |
| Retained earnings to average equity (ytd only) | 6.8052% | 1,981 |
| Net charge-offs to loans | 0.1000% | 3,364 |
| Credit loss provision to net charge-offs | 241.1392% | 1,046 |
| Earnings coverage of net charge-offs (x) | 30.6646% | 1,128 |
| Efficiency ratio | 53.4493% | 6,183 |
| Assets per employee ($millions) | 3.2304% | 5,413 |
| Cash dividends to net income (ytd only)* | 67.2043% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 4,599 |
| Loan loss allowance to noncurrent loans | 109.7469% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.0676% | 3,611 |
| Noncurrent loans to loans | 1.1673% | 3,603 |
| Net loans and leases to total assets | 76.5586% | 918 |
| Net loans and leases to deposits | 87.0952% | 1,453 |
| Net loans and leases to core deposits | 88.7587% | 2,027 |
| Total domestic deposits to total assets | 87.9022% | 2,315 |
| Equity capital to assets | 10.5208% | 3,274 |
| Core capital (leverage) ratio | 10.2685% | 3,138 |
| Tier 1 risk-based capital ratio | 10.0894% | 6,613 |
| Total risk-based capital ratio | 11.1430% | 6,637 |
| Memoranda: | ||
| Average total assets | $409,466,670 | 1,624 |
| Average earning assets | $376,105,670 | 1,616 |
| Average equity | $43,026,000 | 1,635 |
| Average total loans | $316,137,000 | 1,342 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8017% | 1,288 |
| Cost of funding earning assets | 0.6061% | 3,055 |
| Net interest margin | 4.1956% | 1,196 |
| Noninterest income to average assets | 1.2086% | 1,040 |
| Noninterest expense to average assets | 2.7770% | 3,776 |
| Loan and lease loss provision to assets | 0.1858% | 1,988 |
| Net operating income to assets | 2.1043% | 291 |
| Return on assets (ROA) | 2.1043% | 318 |
| Pretax return on assets | 2.1043% | 489 |
| Return on Equity (ROE) | 20.0384% | 292 |
| Retained earnings to average equity (ytd only) | 20.0384% | 140 |
| Net charge-offs to loans | 0.0444% | 3,408 |
| Credit loss provision to net charge-offs | 542.8571% | 495 |
| Earnings coverage of net charge-offs (x) | 66.9143% | 540 |
| Efficiency ratio | 54.8051% | 6,172 |
| Assets per employee ($millions) | 3.2597% | 5,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 4,693 |
| Loan loss allowance to noncurrent loans | 130.0876% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.8911% | 4,161 |
| Noncurrent loans to loans | 0.9995% | 4,132 |
| Net loans and leases to total assets | 73.4925% | 1,145 |
| Net loans and leases to deposits | 83.7014% | 1,632 |
| Net loans and leases to core deposits | 85.6277% | 2,147 |
| Total domestic deposits to total assets | 87.8032% | 2,454 |
| Equity capital to assets | 10.6318% | 3,399 |
| Core capital (leverage) ratio | 10.4553% | 2,838 |
| Tier 1 risk-based capital ratio | 10.8004% | 6,487 |
| Total risk-based capital ratio | 11.8911% | 6,508 |
| Memoranda: | ||
| Average total assets | $409,067,500 | 1,639 |
| Average earning assets | $376,199,500 | 1,627 |
| Average equity | $42,957,500 | 1,664 |
| Average total loans | $315,121,000 | 1,351 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4593% | 677 |
| Cost of funding earning assets | 0.8294% | 2,429 |
| Net interest margin | 4.6299% | 741 |
| Noninterest income to average assets | 1.3465% | 852 |
| Noninterest expense to average assets | 2.9297% | 3,534 |
| Loan and lease loss provision to assets | 0.2492% | 2,658 |
| Net operating income to assets | 2.4047% | 175 |
| Return on assets (ROA) | 2.4047% | 192 |
| Pretax return on assets | 2.4047% | 290 |
| Return on Equity (ROE) | 21.5673% | 235 |
| Retained earnings to average equity (ytd only) | 5.2036% | 2,572 |
| Net charge-offs to loans | 0.2300% | 3,555 |
| Credit loss provision to net charge-offs | 135.7955% | 2,043 |
| Earnings coverage of net charge-offs (x) | 14.4631% | 1,732 |
| Efficiency ratio | 52.4694% | 6,425 |
| Assets per employee ($millions) | 3.1329% | 5,777 |
| Cash dividends to net income (ytd only)* | 75.8725% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 5,128 |
| Loan loss allowance to noncurrent loans | 137.1174% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 4,369 |
| Noncurrent loans to loans | 0.8727% | 4,433 |
| Net loans and leases to total assets | 78.7166% | 594 |
| Net loans and leases to deposits | 89.4092% | 1,127 |
| Net loans and leases to core deposits | 91.5222% | 1,672 |
| Total domestic deposits to total assets | 88.0408% | 2,212 |
| Equity capital to assets | 10.3677% | 3,671 |
| Core capital (leverage) ratio | 10.1207% | 3,246 |
| Tier 1 risk-based capital ratio | 10.0857% | 6,679 |
| Total risk-based capital ratio | 11.1121% | 6,701 |
| Memoranda: | ||
| Average total assets | $383,658,200 | 1,702 |
| Average earning assets | $351,106,600 | 1,700 |
| Average equity | $42,777,800 | 1,628 |
| Average total loans | $306,048,600 | 1,371 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5584% | 601 |
| Cost of funding earning assets | 0.8770% | 2,333 |
| Net interest margin | 4.6814% | 696 |
| Noninterest income to average assets | 1.3124% | 853 |
| Noninterest expense to average assets | 2.9978% | 3,243 |
| Loan and lease loss provision to assets | 0.2113% | 2,952 |
| Net operating income to assets | 2.3881% | 214 |
| Return on assets (ROA) | 2.3881% | 228 |
| Pretax return on assets | 2.3881% | 354 |
| Return on Equity (ROE) | 21.0242% | 279 |
| Retained earnings to average equity (ytd only) | 21.0242% | 73 |
| Net charge-offs to loans | 0.1055% | 4,340 |
| Credit loss provision to net charge-offs | 251.0460% | 1,091 |
| Earnings coverage of net charge-offs (x) | 30.8785% | 1,072 |
| Efficiency ratio | 53.5586% | 6,297 |
| Assets per employee ($millions) | 3.0361% | 5,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 5,010 |
| Loan loss allowance to noncurrent loans | 116.4609% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 1.0335% | 4,229 |
| Noncurrent loans to loans | 1.0811% | 4,276 |
| Net loans and leases to total assets | 78.7217% | 648 |
| Net loans and leases to deposits | 91.0375% | 1,049 |
| Net loans and leases to core deposits | 93.2795% | 1,655 |
| Total domestic deposits to total assets | 86.4716% | 3,001 |
| Equity capital to assets | 11.7878% | 2,443 |
| Core capital (leverage) ratio | 11.7216% | 1,831 |
| Tier 1 risk-based capital ratio | 12.0379% | 5,920 |
| Total risk-based capital ratio | 12.9762% | 6,082 |
| Memoranda: | ||
| Average total assets | $378,535,250 | 1,741 |
| Average earning assets | $346,469,000 | 1,742 |
| Average equity | $42,997,000 | 1,631 |
| Average total loans | $302,064,250 | 1,401 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6149% | 561 |
| Cost of funding earning assets | 0.9290% | 2,197 |
| Net interest margin | 4.6859% | 691 |
| Noninterest income to average assets | 1.2928% | 848 |
| Noninterest expense to average assets | 3.1114% | 2,891 |
| Loan and lease loss provision to assets | 0.2144% | 2,930 |
| Net operating income to assets | 2.2629% | 255 |
| Return on assets (ROA) | 2.2629% | 288 |
| Pretax return on assets | 2.2629% | 444 |
| Return on Equity (ROE) | 20.1910% | 344 |
| Retained earnings to average equity (ytd only) | 20.1910% | 103 |
| Net charge-offs to loans | 0.1551% | 3,675 |
| Credit loss provision to net charge-offs | 173.1602% | 1,621 |
| Earnings coverage of net charge-offs (x) | 20.0087% | 1,410 |
| Efficiency ratio | 55.6728% | 6,156 |
| Assets per employee ($millions) | 3.0527% | 5,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 5,447 |
| Loan loss allowance to noncurrent loans | 147.0359% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.8247% | 4,745 |
| Noncurrent loans to loans | 0.8024% | 4,901 |
| Net loans and leases to total assets | 79.5673% | 558 |
| Net loans and leases to deposits | 91.1978% | 1,029 |
| Net loans and leases to core deposits | 93.4941% | 1,654 |
| Total domestic deposits to total assets | 87.2470% | 2,622 |
| Equity capital to assets | 11.0859% | 3,029 |
| Core capital (leverage) ratio | 10.9635% | 2,338 |
| Tier 1 risk-based capital ratio | 11.3375% | 6,323 |
| Total risk-based capital ratio | 12.2910% | 6,448 |
| Memoranda: | ||
| Average total assets | $373,148,000 | 1,764 |
| Average earning assets | $342,092,670 | 1,759 |
| Average equity | $41,820,670 | 1,673 |
| Average total loans | $297,861,000 | 1,427 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8370% | 400 |
| Cost of funding earning assets | 1.0239% | 1,845 |
| Net interest margin | 4.8131% | 551 |
| Noninterest income to average assets | 1.3153% | 826 |
| Noninterest expense to average assets | 3.4653% | 1,832 |
| Loan and lease loss provision to assets | 0.2546% | 2,417 |
| Net operating income to assets | 1.9984% | 420 |
| Return on assets (ROA) | 1.9984% | 480 |
| Pretax return on assets | 1.9984% | 740 |
| Return on Equity (ROE) | 17.7250% | 582 |
| Retained earnings to average equity (ytd only) | 17.7250% | 272 |
| Net charge-offs to loans | 0.1421% | 3,248 |
| Credit loss provision to net charge-offs | 225.4902% | 1,232 |
| Earnings coverage of net charge-offs (x) | 19.9510% | 1,207 |
| Efficiency ratio | 60.6002% | 5,529 |
| Assets per employee ($millions) | 3.1000% | 5,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 5,446 |
| Loan loss allowance to noncurrent loans | 145.2103% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8283% | 4,878 |
| Noncurrent loans to loans | 0.8319% | 5,007 |
| Net loans and leases to total assets | 75.6704% | 840 |
| Net loans and leases to deposits | 85.9519% | 1,425 |
| Net loans and leases to core deposits | 87.4990% | 2,116 |
| Total domestic deposits to total assets | 88.0380% | 2,295 |
| Equity capital to assets | 10.3242% | 3,707 |
| Core capital (leverage) ratio | 10.1964% | 3,109 |
| Tier 1 risk-based capital ratio | 11.5130% | 6,274 |
| Total risk-based capital ratio | 12.6206% | 6,327 |
| Memoranda: | ||
| Average total assets | $361,294,500 | 1,834 |
| Average earning assets | $330,513,000 | 1,829 |
| Average equity | $40,733,500 | 1,709 |
| Average total loans | $287,023,000 | 1,481 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7123% | 761 |
| Cost of funding earning assets | 1.0756% | 2,839 |
| Net interest margin | 4.6367% | 856 |
| Noninterest income to average assets | 1.1496% | 990 |
| Noninterest expense to average assets | 3.0047% | 3,573 |
| Loan and lease loss provision to assets | 0.2633% | 3,587 |
| Net operating income to assets | 2.0897% | 268 |
| Return on assets (ROA) | 2.0897% | 286 |
| Pretax return on assets | 2.0897% | 451 |
| Return on Equity (ROE) | 18.6660% | 337 |
| Retained earnings to average equity (ytd only) | 17.5633% | 75 |
| Net charge-offs to loans | 0.0610% | 5,689 |
| Credit loss provision to net charge-offs | 526.5432% | 436 |
| Earnings coverage of net charge-offs (x) | 47.0617% | 588 |
| Efficiency ratio | 56.0829% | 6,307 |
| Assets per employee ($millions) | 2.7791% | 6,488 |
| Cash dividends to net income (ytd only)* | 5.9075% | 3,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 4,640 |
| Loan loss allowance to noncurrent loans | 126.4840% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 1.0998% | 4,419 |
| Noncurrent loans to loans | 1.0728% | 4,561 |
| Net loans and leases to total assets | 81.9065% | 345 |
| Net loans and leases to deposits | 95.7623% | 686 |
| Net loans and leases to core deposits | 97.8770% | 1,339 |
| Total domestic deposits to total assets | 85.5311% | 3,577 |
| Equity capital to assets | 12.4723% | 1,815 |
| Core capital (leverage) ratio | 12.2022% | 1,496 |
| Tier 1 risk-based capital ratio | 12.3173% | 5,603 |
| Total risk-based capital ratio | 13.5166% | 5,610 |
| Memoranda: | ||
| Average total assets | $324,020,800 | 1,989 |
| Average earning assets | $294,065,800 | 1,990 |
| Average equity | $36,274,600 | 1,871 |
| Average total loans | $265,643,800 | 1,584 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7043% | 845 |
| Cost of funding earning assets | 1.1314% | 2,762 |
| Net interest margin | 4.5729% | 1,000 |
| Noninterest income to average assets | 1.1109% | 1,081 |
| Noninterest expense to average assets | 2.9538% | 3,729 |
| Loan and lease loss provision to assets | 0.1685% | 4,363 |
| Net operating income to assets | 2.1423% | 272 |
| Return on assets (ROA) | 2.1423% | 290 |
| Pretax return on assets | 2.1423% | 476 |
| Return on Equity (ROE) | 19.6878% | 332 |
| Retained earnings to average equity (ytd only) | 18.1803% | 112 |
| Net charge-offs to loans | 0.0276% | 5,765 |
| Credit loss provision to net charge-offs | 747.2727% | 363 |
| Earnings coverage of net charge-offs (x) | 102.4567% | 355 |
| Efficiency ratio | 56.1069% | 6,273 |
| Assets per employee ($millions) | 2.8050% | 6,474 |
| Cash dividends to net income (ytd only)* | 7.6570% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 5,299 |
| Loan loss allowance to noncurrent loans | 109.2673% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.1867% | 4,415 |
| Noncurrent loans to loans | 1.1358% | 4,648 |
| Net loans and leases to total assets | 80.5713% | 462 |
| Net loans and leases to deposits | 93.4531% | 884 |
| Net loans and leases to core deposits | 95.3899% | 1,661 |
| Total domestic deposits to total assets | 86.2158% | 3,082 |
| Equity capital to assets | 11.7190% | 2,476 |
| Core capital (leverage) ratio | 11.5260% | 2,012 |
| Tier 1 risk-based capital ratio | 11.9615% | 5,921 |
| Total risk-based capital ratio | 12.9646% | 6,093 |
| Memoranda: | ||
| Average total assets | $325,127,250 | 1,989 |
| Average earning assets | $295,324,000 | 1,987 |
| Average equity | $35,378,000 | 1,908 |
| Average total loans | $265,712,250 | 1,597 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6794% | 905 |
| Cost of funding earning assets | 1.1927% | 2,626 |
| Net interest margin | 4.4868% | 1,170 |
| Noninterest income to average assets | 1.0676% | 1,155 |
| Noninterest expense to average assets | 2.9812% | 3,711 |
| Loan and lease loss provision to assets | 0.1534% | 4,393 |
| Net operating income to assets | 2.0253% | 332 |
| Return on assets (ROA) | 2.0253% | 344 |
| Pretax return on assets | 2.0253% | 562 |
| Return on Equity (ROE) | 19.0977% | 376 |
| Retained earnings to average equity (ytd only) | 19.0977% | 115 |
| Net charge-offs to loans | 0.0090% | 5,727 |
| Credit loss provision to net charge-offs | 2,083.3333% | 159 |
| Earnings coverage of net charge-offs (x) | 295.9167% | 117 |
| Efficiency ratio | 57.7765% | 6,193 |
| Assets per employee ($millions) | 2.9275% | 6,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 5,612 |
| Loan loss allowance to noncurrent loans | 85.9874% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3288% | 4,241 |
| Noncurrent loans to loans | 1.3790% | 4,343 |
| Net loans and leases to total assets | 81.4669% | 414 |
| Net loans and leases to deposits | 93.9435% | 876 |
| Net loans and leases to core deposits | 96.0654% | 1,676 |
| Total domestic deposits to total assets | 86.7190% | 2,906 |
| Equity capital to assets | 11.2579% | 2,716 |
| Core capital (leverage) ratio | 10.9842% | 2,262 |
| Tier 1 risk-based capital ratio | 11.5675% | 6,118 |
| Total risk-based capital ratio | 12.5880% | 6,285 |
| Memoranda: | ||
| Average total assets | $325,976,330 | 1,994 |
| Average earning assets | $297,319,330 | 1,991 |
| Average equity | $34,569,670 | 1,928 |
| Average total loans | $266,558,670 | 1,619 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6812% | 915 |
| Cost of funding earning assets | 1.2502% | 2,503 |
| Net interest margin | 4.4311% | 1,215 |
| Noninterest income to average assets | 1.0599% | 1,169 |
| Noninterest expense to average assets | 3.0236% | 3,542 |
| Loan and lease loss provision to assets | 0.1464% | 4,183 |
| Net operating income to assets | 1.9320% | 386 |
| Return on assets (ROA) | 1.9320% | 405 |
| Pretax return on assets | 1.9320% | 633 |
| Return on Equity (ROE) | 18.7856% | 414 |
| Retained earnings to average equity (ytd only) | 18.7856% | 204 |
| Net charge-offs to loans | -0.1138% | 7,122 |
| Credit loss provision to net charge-offs | -157.8947% | 5,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2637% | 6,087 |
| Assets per employee ($millions) | 2.9444% | 6,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 5,762 |
| Loan loss allowance to noncurrent loans | 124.8392% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8848% | 5,137 |
| Noncurrent loans to loans | 0.9386% | 5,159 |
| Net loans and leases to total assets | 79.4419% | 573 |
| Net loans and leases to deposits | 90.7080% | 1,156 |
| Net loans and leases to core deposits | 92.8612% | 2,026 |
| Total domestic deposits to total assets | 87.5798% | 2,623 |
| Equity capital to assets | 10.4686% | 3,212 |
| Core capital (leverage) ratio | 10.3027% | 2,803 |
| Tier 1 risk-based capital ratio | 11.0358% | 6,486 |
| Total risk-based capital ratio | 12.1155% | 6,578 |
| Memoranda: | ||
| Average total assets | $327,953,000 | 1,995 |
| Average earning assets | $299,160,500 | 1,994 |
| Average equity | $33,728,000 | 1,957 |
| Average total loans | $267,093,000 | 1,632 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0278% | 799 |
| Cost of funding earning assets | 1.5307% | 2,481 |
| Net interest margin | 4.4972% | 1,231 |
| Noninterest income to average assets | 1.1175% | 1,181 |
| Noninterest expense to average assets | 3.0265% | 3,745 |
| Loan and lease loss provision to assets | 0.1975% | 5,256 |
| Net operating income to assets | 1.9784% | 291 |
| Return on assets (ROA) | 1.9799% | 306 |
| Pretax return on assets | 1.9799% | 504 |
| Return on Equity (ROE) | 21.4633% | 179 |
| Retained earnings to average equity (ytd only) | 21.4633% | 42 |
| Net charge-offs to loans | 0.3337% | 4,340 |
| Credit loss provision to net charge-offs | 71.7342% | 5,818 |
| Earnings coverage of net charge-offs (x) | 7.9043% | 2,044 |
| Efficiency ratio | 58.1754% | 6,319 |
| Assets per employee ($millions) | 2.9119% | 6,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 6,020 |
| Loan loss allowance to noncurrent loans | 101.8908% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9784% | 5,054 |
| Noncurrent loans to loans | 1.0613% | 4,951 |
| Net loans and leases to total assets | 81.6208% | 483 |
| Net loans and leases to deposits | 92.7995% | 1,162 |
| Net loans and leases to core deposits | 95.5991% | 2,060 |
| Total domestic deposits to total assets | 87.9538% | 2,275 |
| Equity capital to assets | 10.0982% | 3,618 |
| Core capital (leverage) ratio | 9.7781% | 3,348 |
| Tier 1 risk-based capital ratio | 10.6224% | 6,623 |
| Total risk-based capital ratio | 11.6416% | 6,754 |
| Memoranda: | ||
| Average total assets | $322,585,000 | 2,014 |
| Average earning assets | $293,007,000 | 2,027 |
| Average equity | $29,757,800 | 2,193 |
| Average total loans | $266,077,000 | 1,669 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0145% | 907 |
| Cost of funding earning assets | 1.5827% | 2,488 |
| Net interest margin | 4.4318% | 1,419 |
| Noninterest income to average assets | 1.1369% | 1,082 |
| Noninterest expense to average assets | 3.0777% | 3,434 |
| Loan and lease loss provision to assets | 0.1716% | 5,328 |
| Net operating income to assets | 1.9077% | 396 |
| Return on assets (ROA) | 1.9098% | 439 |
| Pretax return on assets | 1.9098% | 752 |
| Return on Equity (ROE) | 21.2120% | 244 |
| Retained earnings to average equity (ytd only) | 21.2120% | 67 |
| Net charge-offs to loans | 0.2302% | 4,554 |
| Credit loss provision to net charge-offs | 90.3930% | 4,746 |
| Earnings coverage of net charge-offs (x) | 10.9542% | 1,837 |
| Efficiency ratio | 59.6801% | 6,001 |
| Assets per employee ($millions) | 2.9078% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 5,640 |
| Loan loss allowance to noncurrent loans | 92.2189% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.2387% | 4,674 |
| Noncurrent loans to loans | 1.2647% | 4,740 |
| Net loans and leases to total assets | 81.1037% | 610 |
| Net loans and leases to deposits | 91.6232% | 1,499 |
| Net loans and leases to core deposits | 94.5342% | 2,449 |
| Total domestic deposits to total assets | 88.5187% | 1,660 |
| Equity capital to assets | 9.6442% | 4,630 |
| Core capital (leverage) ratio | 9.4847% | 3,929 |
| Tier 1 risk-based capital ratio | 10.7483% | 6,591 |
| Total risk-based capital ratio | 11.9069% | 6,658 |
| Memoranda: | ||
| Average total assets | $321,699,000 | 2,050 |
| Average earning assets | $291,822,250 | 2,062 |
| Average equity | $28,964,000 | 2,273 |
| Average total loans | $265,321,500 | 1,689 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0055% | 937 |
| Cost of funding earning assets | 1.6354% | 2,452 |
| Net interest margin | 4.3701% | 1,534 |
| Noninterest income to average assets | 1.1043% | 1,083 |
| Noninterest expense to average assets | 3.0440% | 3,541 |
| Loan and lease loss provision to assets | 0.1661% | 5,224 |
| Net operating income to assets | 1.8678% | 430 |
| Return on assets (ROA) | 1.8709% | 467 |
| Pretax return on assets | 1.8709% | 778 |
| Return on Equity (ROE) | 21.2938% | 243 |
| Retained earnings to average equity (ytd only) | 21.2938% | 71 |
| Net charge-offs to loans | 0.3174% | 3,737 |
| Credit loss provision to net charge-offs | 63.3333% | 5,129 |
| Earnings coverage of net charge-offs (x) | 7.7571% | 2,243 |
| Efficiency ratio | 59.9459% | 6,055 |
| Assets per employee ($millions) | 2.8668% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 5,777 |
| Loan loss allowance to noncurrent loans | 155.5613% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 5,541 |
| Noncurrent loans to loans | 0.7286% | 5,799 |
| Net loans and leases to total assets | 81.6927% | 574 |
| Net loans and leases to deposits | 92.0796% | 1,518 |
| Net loans and leases to core deposits | 94.3701% | 2,659 |
| Total domestic deposits to total assets | 88.7196% | 1,589 |
| Equity capital to assets | 9.2469% | 5,084 |
| Core capital (leverage) ratio | 9.0784% | 4,483 |
| Tier 1 risk-based capital ratio | 10.5694% | 6,634 |
| Total risk-based capital ratio | 11.7319% | 6,684 |
| Memoranda: | ||
| Average total assets | $320,373,000 | 2,070 |
| Average earning assets | $291,301,000 | 2,082 |
| Average equity | $28,149,000 | 2,328 |
| Average total loans | $264,677,670 | 1,719 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9997% | 982 |
| Cost of funding earning assets | 1.7837% | 1,945 |
| Net interest margin | 4.2160% | 1,971 |
| Noninterest income to average assets | 0.9837% | 1,352 |
| Noninterest expense to average assets | 3.1061% | 3,241 |
| Loan and lease loss provision to assets | 0.1637% | 4,888 |
| Net operating income to assets | 1.5399% | 835 |
| Return on assets (ROA) | 1.5462% | 885 |
| Pretax return on assets | 1.5462% | 1,406 |
| Return on Equity (ROE) | 18.0726% | 511 |
| Retained earnings to average equity (ytd only) | 18.0726% | 245 |
| Net charge-offs to loans | 0.3072% | 3,185 |
| Credit loss provision to net charge-offs | 64.5320% | 4,215 |
| Earnings coverage of net charge-offs (x) | 6.7143% | 2,179 |
| Efficiency ratio | 64.5790% | 5,374 |
| Assets per employee ($millions) | 2.8407% | 6,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 5,553 |
| Loan loss allowance to noncurrent loans | 187.7812% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.8512% | 5,456 |
| Noncurrent loans to loans | 0.6338% | 6,052 |
| Net loans and leases to total assets | 80.6061% | 757 |
| Net loans and leases to deposits | 90.3376% | 1,855 |
| Net loans and leases to core deposits | 92.4521% | 3,054 |
| Total domestic deposits to total assets | 89.2276% | 1,405 |
| Equity capital to assets | 8.7718% | 5,605 |
| Core capital (leverage) ratio | 8.4231% | 5,517 |
| Tier 1 risk-based capital ratio | 10.4900% | 6,640 |
| Total risk-based capital ratio | 11.7402% | 6,629 |
| Memoranda: | ||
| Average total assets | $320,020,000 | 2,129 |
| Average earning assets | $290,415,000 | 2,144 |
| Average equity | $27,378,500 | 2,413 |
| Average total loans | $264,364,000 | 1,778 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2530% | 7,998 |
| Cost of funding earning assets | 0.0669% | 7,973 |
| Net interest margin | 0.1861% | 7,993 |
| Noninterest income to average assets | 0.0388% | 7,554 |
| Noninterest expense to average assets | 0.1093% | 8,007 |
| Loan and lease loss provision to assets | 0.0058% | 7,402 |
| Net operating income to assets | 0.0892% | 5,238 |
| Return on assets (ROA) | 0.0892% | 5,281 |
| Pretax return on assets | 0.0892% | 5,244 |
| Return on Equity (ROE) | 0.8838% | 5,268 |
| Retained earnings to average equity (ytd only) | -5.6149% | 6,101 |
| Net charge-offs to loans | -0.0089% | 7,742 |
| Credit loss provision to net charge-offs | -83.3333% | 7,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4950% | 7,280 |
| Assets per employee ($millions) | 2.8740% | 6,505 |
| Cash dividends to net income (ytd only)* | 735.2941% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 5,506 |
| Loan loss allowance to noncurrent loans | 149.5270% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 5,208 |
| Noncurrent loans to loans | 0.7853% | 5,705 |
| Net loans and leases to total assets | 82.6462% | 587 |
| Net loans and leases to deposits | 93.8747% | 1,606 |
| Net loans and leases to core deposits | 111.5741% | 2,740 |
| Total domestic deposits to total assets | 88.0389% | 1,958 |
| Equity capital to assets | 8.3412% | 6,141 |
| Core capital (leverage) ratio | 7.9147% | 6,312 |
| Tier 1 risk-based capital ratio | 9.7334% | 7,073 |
| Total risk-based capital ratio | 10.9849% | 7,054 |
| Memoranda: | ||
| Average total assets | $343,106,600 | 1,986 |
| Average earning assets | $305,158,200 | 2,039 |
| Average equity | $34,622,000 | 1,943 |
| Average total loans | $268,737,800 | 1,783 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1226% | 1,571 |
| Cost of funding earning assets | 2.0537% | 3,101 |
| Net interest margin | 4.0689% | 2,515 |
| Noninterest income to average assets | 1.0642% | 1,401 |
| Noninterest expense to average assets | 8.5142% | 132 |
| Loan and lease loss provision to assets | 0.2602% | 4,872 |
| Net operating income to assets | -4.3698% | 7,785 |
| Return on assets (ROA) | -4.3698% | 7,787 |
| Pretax return on assets | -4.1081% | 7,702 |
| Return on Equity (ROE) | -41.6378% | 7,768 |
| Retained earnings to average equity (ytd only) | -49.8421% | 7,829 |
| Net charge-offs to loans | 0.1266% | 5,432 |
| Credit loss provision to net charge-offs | 266.6667% | 1,588 |
| Earnings coverage of net charge-offs (x) | -39.4315% | 6,955 |
| Efficiency ratio | 65.7701% | 5,408 |
| Assets per employee ($millions) | 2.8791% | 6,459 |
| Cash dividends to net income (ytd only)* | -19.7040% | 7,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 5,291 |
| Loan loss allowance to noncurrent loans | 131.5385% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9451% | 5,176 |
| Noncurrent loans to loans | 0.8906% | 5,503 |
| Net loans and leases to total assets | 79.1150% | 1,367 |
| Net loans and leases to deposits | 90.5942% | 2,463 |
| Net loans and leases to core deposits | 108.1994% | 3,444 |
| Total domestic deposits to total assets | 87.3290% | 1,994 |
| Equity capital to assets | 9.1003% | 5,337 |
| Core capital (leverage) ratio | 7.9654% | 6,421 |
| Tier 1 risk-based capital ratio | 10.1298% | 6,850 |
| Total risk-based capital ratio | 11.3494% | 6,823 |
| Memoranda: | ||
| Average total assets | $348,412,250 | 1,967 |
| Average earning assets | $308,444,000 | 2,039 |
| Average equity | $36,565,250 | 1,858 |
| Average total loans | $268,625,750 | 1,806 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0781% | 1,860 |
| Cost of funding earning assets | 2.1586% | 2,992 |
| Net interest margin | 3.9195% | 3,019 |
| Noninterest income to average assets | 1.0807% | 1,365 |
| Noninterest expense to average assets | 11.0068% | 102 |
| Loan and lease loss provision to assets | 0.3407% | 3,892 |
| Net operating income to assets | -7.1335% | 8,061 |
| Return on assets (ROA) | -7.1335% | 8,049 |
| Pretax return on assets | -6.8209% | 8,015 |
| Return on Equity (ROE) | -65.2983% | 8,003 |
| Retained earnings to average equity (ytd only) | -73.0308% | 8,022 |
| Net charge-offs to loans | 0.1323% | 4,843 |
| Credit loss provision to net charge-offs | 337.9888% | 1,374 |
| Earnings coverage of net charge-offs (x) | -64.2849% | 6,602 |
| Efficiency ratio | 67.1311% | 5,337 |
| Assets per employee ($millions) | 2.9863% | 6,169 |
| Cash dividends to net income (ytd only)* | -11.8418% | 7,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 5,359 |
| Loan loss allowance to noncurrent loans | 100.7856% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.0780% | 4,807 |
| Noncurrent loans to loans | 1.1269% | 4,965 |
| Net loans and leases to total assets | 78.7314% | 1,585 |
| Net loans and leases to deposits | 89.5876% | 2,887 |
| Net loans and leases to core deposits | 107.2249% | 3,700 |
| Total domestic deposits to total assets | 87.8820% | 1,824 |
| Equity capital to assets | 8.5664% | 5,949 |
| Core capital (leverage) ratio | 7.2224% | 7,332 |
| Tier 1 risk-based capital ratio | 9.6251% | 7,297 |
| Total risk-based capital ratio | 10.8226% | 7,287 |
| Memoranda: | ||
| Average total assets | $355,142,670 | 1,951 |
| Average earning assets | $312,237,330 | 2,040 |
| Average equity | $38,797,330 | 1,757 |
| Average total loans | $270,584,330 | 1,818 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9258% | 2,668 |
| Cost of funding earning assets | 2.2277% | 3,021 |
| Net interest margin | 3.6980% | 3,897 |
| Noninterest income to average assets | 0.8750% | 1,961 |
| Noninterest expense to average assets | 2.9385% | 4,018 |
| Loan and lease loss provision to assets | 0.2571% | 3,905 |
| Net operating income to assets | 0.6356% | 3,864 |
| Return on assets (ROA) | 0.6356% | 4,044 |
| Pretax return on assets | 0.8905% | 3,753 |
| Return on Equity (ROE) | 5.2826% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.2826% | 2,971 |
| Net charge-offs to loans | -0.0755% | 7,811 |
| Credit loss provision to net charge-offs | -456.8627% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7543% | 4,632 |
| Assets per employee ($millions) | 3.2394% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 5,511 |
| Loan loss allowance to noncurrent loans | 102.9082% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.9104% | 4,914 |
| Noncurrent loans to loans | 1.0639% | 4,853 |
| Net loans and leases to total assets | 71.8440% | 3,277 |
| Net loans and leases to deposits | 85.4166% | 3,732 |
| Net loans and leases to core deposits | 105.2504% | 3,998 |
| Total domestic deposits to total assets | 84.1101% | 3,648 |
| Equity capital to assets | 11.9027% | 2,321 |
| Core capital (leverage) ratio | 7.7316% | 6,846 |
| Tier 1 risk-based capital ratio | 10.0269% | 6,887 |
| Total risk-based capital ratio | 11.1887% | 6,894 |
| Memoranda: | ||
| Average total assets | $362,496,000 | 1,917 |
| Average earning assets | $314,761,500 | 2,033 |
| Average equity | $43,614,500 | 1,565 |
| Average total loans | $270,322,000 | 1,835 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8730% | 1,485 |
| Cost of funding earning assets | 2.7347% | 2,997 |
| Net interest margin | 4.1384% | 2,546 |
| Noninterest income to average assets | 0.8614% | 2,156 |
| Noninterest expense to average assets | 3.0322% | 3,960 |
| Loan and lease loss provision to assets | 0.1203% | 5,823 |
| Net operating income to assets | 0.9740% | 2,671 |
| Return on assets (ROA) | 0.9740% | 2,551 |
| Pretax return on assets | 1.2559% | 2,460 |
| Return on Equity (ROE) | 8.0244% | 3,065 |
| Retained earnings to average equity (ytd only) | 3.5783% | 2,917 |
| Net charge-offs to loans | 0.0120% | 6,752 |
| Credit loss provision to net charge-offs | 1,345.1613% | 335 |
| Earnings coverage of net charge-offs (x) | 153.8387% | 298 |
| Efficiency ratio | 66.6994% | 4,970 |
| Assets per employee ($millions) | 3.1202% | 5,716 |
| Cash dividends to net income (ytd only)* | 55.4074% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 6,246 |
| Loan loss allowance to noncurrent loans | 103.9577% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 4,596 |
| Noncurrent loans to loans | 0.9369% | 4,737 |
| Net loans and leases to total assets | 75.8334% | 2,671 |
| Net loans and leases to deposits | 93.2322% | 2,917 |
| Net loans and leases to core deposits | 114.4676% | 3,282 |
| Total domestic deposits to total assets | 81.3382% | 4,490 |
| Equity capital to assets | 12.1657% | 2,181 |
| Core capital (leverage) ratio | 7.6616% | 6,982 |
| Tier 1 risk-based capital ratio | 9.3495% | 7,461 |
| Total risk-based capital ratio | 10.3674% | 7,662 |
| Memoranda: | ||
| Average total assets | $346,516,000 | 1,920 |
| Average earning assets | $297,001,600 | 2,061 |
| Average equity | $42,059,200 | 1,590 |
| Average total loans | $257,930,200 | 1,855 |