Home > Home State Bank > Performance and Condition Ratios
Home State 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 | 4.6040% | 2,882 |
| Cost of funding earning assets | 1.2959% | 2,530 |
| Net interest margin | 3.3081% | 2,613 |
| Noninterest income to average assets | 1.0500% | 589 |
| Noninterest expense to average assets | 2.8848% | 1,305 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1514% | 1,780 |
| Return on assets (ROA) | 1.1514% | 1,749 |
| Pretax return on assets | 1.1514% | 2,258 |
| Return on Equity (ROE) | 13.1400% | 1,691 |
| Retained earnings to average equity (ytd only) | 3.4559% | 3,140 |
| Net charge-offs to loans | 0.0274% | 1,767 |
| Credit loss provision to net charge-offs | 817.0940% | 478 |
| Earnings coverage of net charge-offs (x) | 79.5128% | 1,022 |
| Efficiency ratio | 69.8253% | 1,904 |
| Assets per employee ($millions) | 5.2866% | 3,404 |
| Cash dividends to net income (ytd only)* | 73.6952% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 2,684 |
| Loan loss allowance to noncurrent loans | 1,359.6306% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 2,964 |
| Noncurrent loans to loans | 0.0829% | 3,131 |
| Net loans and leases to total assets | 62.4300% | 2,639 |
| Net loans and leases to deposits | 70.1108% | 2,885 |
| Net loans and leases to core deposits | 72.4103% | 3,166 |
| Total domestic deposits to total assets | 89.0400% | 1,055 |
| Equity capital to assets | 9.6195% | 2,262 |
| Core capital (leverage) ratio | 11.8165% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7784% | 712 |
| Memoranda: | ||
| Average total assets | $747,149,800 | 1,247 |
| Average earning assets | $696,109,200 | 1,238 |
| Average equity | $65,482,200 | 1,314 |
| Average total loans | $427,154,000 | 1,404 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 2,829 |
| Cost of funding earning assets | 1.2434% | 2,294 |
| Net interest margin | 3.2931% | 2,700 |
| Noninterest income to average assets | 1.1200% | 543 |
| Noninterest expense to average assets | 2.8812% | 1,266 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.2450% | 1,660 |
| Return on assets (ROA) | 1.2450% | 1,654 |
| Pretax return on assets | 1.2450% | 2,184 |
| Return on Equity (ROE) | 14.5500% | 1,536 |
| Retained earnings to average equity (ytd only) | 5.7938% | 2,691 |
| Net charge-offs to loans | 0.0254% | 1,565 |
| Credit loss provision to net charge-offs | 687.5000% | 515 |
| Earnings coverage of net charge-offs (x) | 92.5625% | 959 |
| Efficiency ratio | 68.6956% | 1,938 |
| Assets per employee ($millions) | 5.3221% | 3,330 |
| Cash dividends to net income (ytd only)* | 60.1707% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,003 |
| Loan loss allowance to noncurrent loans | 1,467.4847% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 3,071 |
| Noncurrent loans to loans | 0.0732% | 3,236 |
| Net loans and leases to total assets | 60.9000% | 2,761 |
| Net loans and leases to deposits | 67.4443% | 3,015 |
| Net loans and leases to core deposits | 70.2714% | 3,196 |
| Total domestic deposits to total assets | 90.3000% | 860 |
| Equity capital to assets | 8.5379% | 2,705 |
| Core capital (leverage) ratio | 11.5724% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1575% | 685 |
| Memoranda: | ||
| Average total assets | $752,872,750 | 1,237 |
| Average earning assets | $701,803,250 | 1,222 |
| Average equity | $64,435,250 | 1,312 |
| Average total loans | $419,623,750 | 1,419 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4106% | 2,864 |
| Cost of funding earning assets | 1.1365% | 2,177 |
| Net interest margin | 3.2741% | 2,815 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 2.7843% | 1,451 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0473% | 2,266 |
| Return on assets (ROA) | 1.0473% | 2,266 |
| Pretax return on assets | 1.0473% | 2,783 |
| Return on Equity (ROE) | 12.2300% | 2,087 |
| Retained earnings to average equity (ytd only) | -0.3736% | 4,151 |
| Net charge-offs to loans | 0.0341% | 1,213 |
| Credit loss provision to net charge-offs | 367.1429% | 765 |
| Earnings coverage of net charge-offs (x) | 58.5429% | 1,206 |
| Efficiency ratio | 72.1218% | 1,543 |
| Assets per employee ($millions) | 5.3455% | 3,283 |
| Cash dividends to net income (ytd only)* | 103.0553% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,122 |
| Loan loss allowance to noncurrent loans | 1,673.2342% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 2,706 |
| Noncurrent loans to loans | 0.0636% | 3,249 |
| Net loans and leases to total assets | 55.5600% | 3,150 |
| Net loans and leases to deposits | 61.4158% | 3,344 |
| Net loans and leases to core deposits | 64.1803% | 3,440 |
| Total domestic deposits to total assets | 90.4600% | 795 |
| Equity capital to assets | 8.4639% | 2,891 |
| Core capital (leverage) ratio | 10.9807% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2436% | 691 |
| Memoranda: | ||
| Average total assets | $762,564,000 | 1,221 |
| Average earning assets | $712,193,667 | 1,213 |
| Average equity | $65,314,667 | 1,300 |
| Average total loans | $410,973,333 | 1,429 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1995% | 3,045 |
| Cost of funding earning assets | 0.9859% | 2,094 |
| Net interest margin | 3.2137% | 3,083 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.6551% | 1,790 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0988% | 2,232 |
| Return on assets (ROA) | 1.0988% | 2,200 |
| Pretax return on assets | 1.0988% | 2,709 |
| Return on Equity (ROE) | 12.7600% | 2,032 |
| Retained earnings to average equity (ytd only) | 12.0590% | 1,256 |
| Net charge-offs to loans | 0.0731% | 708 |
| Credit loss provision to net charge-offs | 252.7027% | 747 |
| Earnings coverage of net charge-offs (x) | 29.7568% | 1,307 |
| Efficiency ratio | 69.7792% | 1,767 |
| Assets per employee ($millions) | 5.4615% | 3,257 |
| Cash dividends to net income (ytd only)* | 5.4580% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 3,117 |
| Loan loss allowance to noncurrent loans | 2,128.3654% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 2,768 |
| Noncurrent loans to loans | 0.0511% | 3,376 |
| Net loans and leases to total assets | 52.2900% | 3,329 |
| Net loans and leases to deposits | 58.0949% | 3,448 |
| Net loans and leases to core deposits | 60.1532% | 3,536 |
| Total domestic deposits to total assets | 90.0100% | 1,151 |
| Equity capital to assets | 8.8985% | 2,594 |
| Core capital (leverage) ratio | 11.1467% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1174% | 646 |
| Memoranda: | ||
| Average total assets | $766,985,500 | 1,229 |
| Average earning assets | $716,941,000 | 1,218 |
| Average equity | $66,075,000 | 1,301 |
| Average total loans | $404,844,500 | 1,462 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4357% | 3,248 |
| Cost of funding earning assets | 0.2440% | 3,376 |
| Net interest margin | 3.1917% | 2,886 |
| Noninterest income to average assets | 1.2600% | 428 |
| Noninterest expense to average assets | 2.9396% | 1,067 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2996% | 1,426 |
| Return on assets (ROA) | 1.2996% | 1,391 |
| Pretax return on assets | 1.2996% | 2,091 |
| Return on Equity (ROE) | 14.8700% | 1,291 |
| Retained earnings to average equity (ytd only) | 9.0134% | 1,477 |
| Net charge-offs to loans | 0.0050% | 2,251 |
| Credit loss provision to net charge-offs | 331.5789% | 863 |
| Earnings coverage of net charge-offs (x) | 532.2632% | 322 |
| Efficiency ratio | 69.1856% | 1,800 |
| Assets per employee ($millions) | 5.3420% | 3,372 |
| Cash dividends to net income (ytd only)* | 39.3831% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 2,239 |
| Loan loss allowance to noncurrent loans | 627.0544% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 2,511 |
| Noncurrent loans to loans | 0.1965% | 2,497 |
| Net loans and leases to total assets | 52.0500% | 3,353 |
| Net loans and leases to deposits | 57.4544% | 3,490 |
| Net loans and leases to core deposits | 59.6460% | 3,529 |
| Total domestic deposits to total assets | 90.6000% | 1,107 |
| Equity capital to assets | 8.3290% | 2,830 |
| Core capital (leverage) ratio | 11.0538% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7377% | 649 |
| Memoranda: | ||
| Average total assets | $773,292,400 | 1,214 |
| Average earning assets | $723,056,600 | 1,195 |
| Average equity | $67,588,200 | 1,285 |
| Average total loans | $381,984,800 | 1,449 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2254% | 3,369 |
| Cost of funding earning assets | 0.0932% | 4,333 |
| Net interest margin | 3.1322% | 2,823 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 2.8444% | 1,159 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9961% | 2,488 |
| Return on assets (ROA) | 0.9961% | 2,459 |
| Pretax return on assets | 0.9961% | 3,025 |
| Return on Equity (ROE) | 11.2700% | 2,276 |
| Retained earnings to average equity (ytd only) | 3.7853% | 3,518 |
| Net charge-offs to loans | -0.0347% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.8273% | 1,295 |
| Assets per employee ($millions) | 4.7703% | 3,861 |
| Cash dividends to net income (ytd only)* | 66.4021% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 1,906 |
| Loan loss allowance to noncurrent loans | 510.7646% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 2,041 |
| Noncurrent loans to loans | 0.2597% | 2,335 |
| Net loans and leases to total assets | 51.0800% | 3,379 |
| Net loans and leases to deposits | 56.0478% | 3,477 |
| Net loans and leases to core deposits | 56.9611% | 3,566 |
| Total domestic deposits to total assets | 91.1400% | 1,178 |
| Equity capital to assets | 7.7673% | 3,040 |
| Core capital (leverage) ratio | 10.6434% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3847% | 695 |
| Memoranda: | ||
| Average total assets | $775,640,750 | 1,215 |
| Average earning assets | $725,143,000 | 1,201 |
| Average equity | $68,579,000 | 1,284 |
| Average total loans | $376,834,750 | 1,459 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0577% | 3,411 |
| Cost of funding earning assets | 0.0659% | 4,486 |
| Net interest margin | 2.9918% | 2,907 |
| Noninterest income to average assets | 0.9910% | 682 |
| Noninterest expense to average assets | 2.7446% | 1,285 |
| Loan and lease loss provision to assets | 0.0074% | 2,469 |
| Net operating income to assets | 1.0402% | 2,020 |
| Return on assets (ROA) | 1.0402% | 1,991 |
| Pretax return on assets | 1.0402% | 2,601 |
| Return on Equity (ROE) | 11.3341% | 1,882 |
| Retained earnings to average equity (ytd only) | 1.6903% | 3,829 |
| Net charge-offs to loans | -0.0491% | 4,230 |
| Credit loss provision to net charge-offs | -31.5217% | 3,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3487% | 1,703 |
| Assets per employee ($millions) | 5.2800% | 3,447 |
| Cash dividends to net income (ytd only)* | 85.0866% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 2,082 |
| Loan loss allowance to noncurrent loans | 402.9600% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 1,743 |
| Noncurrent loans to loans | 0.3284% | 2,161 |
| Net loans and leases to total assets | 48.0681% | 3,548 |
| Net loans and leases to deposits | 53.0269% | 3,603 |
| Net loans and leases to core deposits | 53.8572% | 3,701 |
| Total domestic deposits to total assets | 90.6485% | 1,402 |
| Equity capital to assets | 8.3460% | 2,874 |
| Core capital (leverage) ratio | 10.1015% | 2,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0188% | 716 |
| Memoranda: | ||
| Average total assets | $787,721,667 | 1,202 |
| Average earning assets | $737,559,667 | 1,200 |
| Average equity | $72,295,000 | 1,264 |
| Average total loans | $374,849,333 | 1,455 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9656% | 3,355 |
| Cost of funding earning assets | 0.0668% | 4,486 |
| Net interest margin | 2.8989% | 2,844 |
| Noninterest income to average assets | 1.0414% | 631 |
| Noninterest expense to average assets | 2.6316% | 1,520 |
| Loan and lease loss provision to assets | 0.0071% | 2,185 |
| Net operating income to assets | 1.1254% | 1,456 |
| Return on assets (ROA) | 1.1254% | 1,448 |
| Pretax return on assets | 1.1254% | 2,066 |
| Return on Equity (ROE) | 11.7363% | 1,394 |
| Retained earnings to average equity (ytd only) | 11.0770% | 772 |
| Net charge-offs to loans | -0.0043% | 3,296 |
| Credit loss provision to net charge-offs | -350.0000% | 3,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8871% | 2,247 |
| Assets per employee ($millions) | 5.6263% | 3,205 |
| Cash dividends to net income (ytd only)* | 5.6180% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 2,173 |
| Loan loss allowance to noncurrent loans | 406.0905% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5561% | 1,083 |
| Noncurrent loans to loans | 0.3296% | 2,301 |
| Net loans and leases to total assets | 45.5236% | 3,621 |
| Net loans and leases to deposits | 50.5360% | 3,692 |
| Net loans and leases to core deposits | 51.2685% | 3,785 |
| Total domestic deposits to total assets | 90.0816% | 1,514 |
| Equity capital to assets | 9.0111% | 2,699 |
| Core capital (leverage) ratio | 10.3742% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2620% | 618 |
| Memoranda: | ||
| Average total assets | $790,860,500 | 1,202 |
| Average earning assets | $742,771,500 | 1,199 |
| Average equity | $75,833,000 | 1,245 |
| Average total loans | $371,943,000 | 1,456 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2164% | 3,437 |
| Cost of funding earning assets | 0.1153% | 4,270 |
| Net interest margin | 3.1011% | 2,897 |
| Noninterest income to average assets | 1.3338% | 606 |
| Noninterest expense to average assets | 3.3508% | 583 |
| Loan and lease loss provision to assets | 0.0452% | 2,151 |
| Net operating income to assets | 0.8397% | 3,213 |
| Return on assets (ROA) | 0.8397% | 3,284 |
| Pretax return on assets | 0.8397% | 3,644 |
| Return on Equity (ROE) | 7.8676% | 3,256 |
| Retained earnings to average equity (ytd only) | 2.1198% | 3,956 |
| Net charge-offs to loans | 0.1530% | 627 |
| Credit loss provision to net charge-offs | 55.3018% | 2,098 |
| Earnings coverage of net charge-offs (x) | 10.8336% | 2,189 |
| Efficiency ratio | 79.0840% | 865 |
| Assets per employee ($millions) | 5.3615% | 3,404 |
| Cash dividends to net income (ytd only)* | 73.0562% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 2,314 |
| Loan loss allowance to noncurrent loans | 261.3503% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 1,040 |
| Noncurrent loans to loans | 0.5013% | 1,871 |
| Net loans and leases to total assets | 47.3095% | 3,566 |
| Net loans and leases to deposits | 53.2923% | 3,643 |
| Net loans and leases to core deposits | 54.1629% | 3,744 |
| Total domestic deposits to total assets | 88.7736% | 1,626 |
| Equity capital to assets | 10.1782% | 2,493 |
| Core capital (leverage) ratio | 9.9204% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4973% | 603 |
| Memoranda: | ||
| Average total assets | $750,510,000 | 1,218 |
| Average earning assets | $702,304,800 | 1,219 |
| Average equity | $80,100,400 | 1,207 |
| Average total loans | $400,751,000 | 1,371 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2978% | 3,393 |
| Cost of funding earning assets | 0.1230% | 4,326 |
| Net interest margin | 3.1749% | 2,813 |
| Noninterest income to average assets | 1.4210% | 599 |
| Noninterest expense to average assets | 3.4096% | 523 |
| Loan and lease loss provision to assets | 0.0605% | 1,784 |
| Net operating income to assets | 0.9184% | 3,183 |
| Return on assets (ROA) | 0.9184% | 3,253 |
| Pretax return on assets | 0.9184% | 3,654 |
| Return on Equity (ROE) | 8.5011% | 3,256 |
| Retained earnings to average equity (ytd only) | 1.0473% | 4,409 |
| Net charge-offs to loans | 0.1244% | 636 |
| Credit loss provision to net charge-offs | 88.6842% | 1,668 |
| Earnings coverage of net charge-offs (x) | 14.3447% | 1,893 |
| Efficiency ratio | 77.6691% | 903 |
| Assets per employee ($millions) | 5.3511% | 3,349 |
| Cash dividends to net income (ytd only)* | 87.6809% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,457 |
| Loan loss allowance to noncurrent loans | 358.9261% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.6648% | 1,128 |
| Noncurrent loans to loans | 0.3639% | 2,479 |
| Net loans and leases to total assets | 49.7845% | 3,433 |
| Net loans and leases to deposits | 56.3348% | 3,551 |
| Net loans and leases to core deposits | 57.1770% | 3,684 |
| Total domestic deposits to total assets | 88.3726% | 1,635 |
| Equity capital to assets | 10.2210% | 2,689 |
| Core capital (leverage) ratio | 10.2522% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9593% | 697 |
| Memoranda: | ||
| Average total assets | $742,442,500 | 1,248 |
| Average earning assets | $693,934,250 | 1,240 |
| Average equity | $80,207,250 | 1,226 |
| Average total loans | $407,127,500 | 1,383 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4424% | 3,043 |
| Cost of funding earning assets | 0.1332% | 4,327 |
| Net interest margin | 3.3092% | 2,416 |
| Noninterest income to average assets | 1.4876% | 550 |
| Noninterest expense to average assets | 3.4876% | 474 |
| Loan and lease loss provision to assets | 0.1045% | 1,206 |
| Net operating income to assets | 0.9883% | 2,929 |
| Return on assets (ROA) | 0.9883% | 3,020 |
| Pretax return on assets | 0.9883% | 3,469 |
| Return on Equity (ROE) | 8.9760% | 3,101 |
| Retained earnings to average equity (ytd only) | -1.1005% | 4,611 |
| Net charge-offs to loans | 0.1487% | 552 |
| Credit loss provision to net charge-offs | 124.5098% | 1,241 |
| Earnings coverage of net charge-offs (x) | 13.0261% | 1,704 |
| Efficiency ratio | 76.1178% | 1,075 |
| Assets per employee ($millions) | 4.9044% | 3,743 |
| Cash dividends to net income (ytd only)* | 112.2607% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,363 |
| Loan loss allowance to noncurrent loans | 190.2095% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 1.0006% | 752 |
| Noncurrent loans to loans | 0.6918% | 1,698 |
| Net loans and leases to total assets | 52.2795% | 3,318 |
| Net loans and leases to deposits | 59.4912% | 3,429 |
| Net loans and leases to core deposits | 60.4725% | 3,588 |
| Total domestic deposits to total assets | 87.8778% | 1,902 |
| Equity capital to assets | 10.5278% | 2,371 |
| Core capital (leverage) ratio | 10.4637% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7582% | 726 |
| Memoranda: | ||
| Average total assets | $729,501,000 | 1,250 |
| Average earning assets | $681,799,000 | 1,254 |
| Average equity | $80,325,333 | 1,215 |
| Average total loans | $411,471,000 | 1,381 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 2,280 |
| Cost of funding earning assets | 0.1547% | 4,274 |
| Net interest margin | 3.5775% | 1,643 |
| Noninterest income to average assets | 1.6193% | 534 |
| Noninterest expense to average assets | 3.6985% | 370 |
| Loan and lease loss provision to assets | 0.1256% | 1,089 |
| Net operating income to assets | 1.1376% | 2,363 |
| Return on assets (ROA) | 1.1376% | 2,431 |
| Pretax return on assets | 1.1376% | 3,022 |
| Return on Equity (ROE) | 10.0977% | 2,657 |
| Retained earnings to average equity (ytd only) | 4.4246% | 3,384 |
| Net charge-offs to loans | 0.0949% | 710 |
| Credit loss provision to net charge-offs | 227.2727% | 848 |
| Earnings coverage of net charge-offs (x) | 22.8586% | 1,204 |
| Efficiency ratio | 74.5191% | 1,265 |
| Assets per employee ($millions) | 4.7843% | 3,854 |
| Cash dividends to net income (ytd only)* | 56.1825% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 2,551 |
| Loan loss allowance to noncurrent loans | 186.3302% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 1,014 |
| Noncurrent loans to loans | 0.6847% | 1,872 |
| Net loans and leases to total assets | 55.8333% | 3,063 |
| Net loans and leases to deposits | 64.2046% | 3,105 |
| Net loans and leases to core deposits | 65.3036% | 3,293 |
| Total domestic deposits to total assets | 86.9615% | 2,324 |
| Equity capital to assets | 10.8638% | 1,960 |
| Core capital (leverage) ratio | 11.1742% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2848% | 644 |
| Memoranda: | ||
| Average total assets | $716,615,000 | 1,263 |
| Average earning assets | $669,526,500 | 1,262 |
| Average equity | $80,731,000 | 1,201 |
| Average total loans | $417,147,500 | 1,369 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1335% | 2,328 |
| Cost of funding earning assets | 0.4191% | 3,467 |
| Net interest margin | 3.7143% | 1,748 |
| Noninterest income to average assets | 2.4874% | 244 |
| Noninterest expense to average assets | 4.7296% | 218 |
| Loan and lease loss provision to assets | 0.2449% | 1,584 |
| Net operating income to assets | 0.9284% | 2,572 |
| Return on assets (ROA) | 0.9284% | 2,719 |
| Pretax return on assets | 0.9284% | 3,286 |
| Return on Equity (ROE) | 7.6488% | 2,943 |
| Retained earnings to average equity (ytd only) | 1.1840% | 4,156 |
| Net charge-offs to loans | 0.2362% | 743 |
| Credit loss provision to net charge-offs | 162.8514% | 2,357 |
| Earnings coverage of net charge-offs (x) | 7.8032% | 2,663 |
| Efficiency ratio | 80.1033% | 887 |
| Assets per employee ($millions) | 4.4079% | 4,008 |
| Cash dividends to net income (ytd only)* | 84.5203% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,732 |
| Loan loss allowance to noncurrent loans | 197.0387% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.9121% | 1,083 |
| Noncurrent loans to loans | 0.6307% | 2,116 |
| Net loans and leases to total assets | 59.2175% | 2,960 |
| Net loans and leases to deposits | 68.9048% | 2,989 |
| Net loans and leases to core deposits | 70.7333% | 3,204 |
| Total domestic deposits to total assets | 85.9410% | 2,389 |
| Equity capital to assets | 11.6907% | 1,740 |
| Core capital (leverage) ratio | 11.2656% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8308% | 680 |
| Memoranda: | ||
| Average total assets | $662,419,200 | 1,233 |
| Average earning assets | $609,124,200 | 1,247 |
| Average equity | $80,404,400 | 1,154 |
| Average total loans | $421,685,200 | 1,292 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 2,372 |
| Cost of funding earning assets | 0.4773% | 3,378 |
| Net interest margin | 3.7343% | 1,820 |
| Noninterest income to average assets | 2.7828% | 208 |
| Noninterest expense to average assets | 4.9402% | 193 |
| Loan and lease loss provision to assets | 0.2436% | 1,669 |
| Net operating income to assets | 1.0225% | 2,244 |
| Return on assets (ROA) | 1.0225% | 2,381 |
| Pretax return on assets | 1.0225% | 2,981 |
| Return on Equity (ROE) | 8.3424% | 2,674 |
| Retained earnings to average equity (ytd only) | 0.7136% | 4,334 |
| Net charge-offs to loans | 0.1804% | 828 |
| Credit loss provision to net charge-offs | 208.9161% | 2,078 |
| Earnings coverage of net charge-offs (x) | 10.8566% | 2,333 |
| Efficiency ratio | 79.5788% | 893 |
| Assets per employee ($millions) | 4.2859% | 4,059 |
| Cash dividends to net income (ytd only)* | 91.4457% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 2,906 |
| Loan loss allowance to noncurrent loans | 223.0009% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 1.1455% | 904 |
| Noncurrent loans to loans | 0.5188% | 2,497 |
| Net loans and leases to total assets | 64.2240% | 2,743 |
| Net loans and leases to deposits | 75.4685% | 2,801 |
| Net loans and leases to core deposits | 78.1225% | 2,994 |
| Total domestic deposits to total assets | 85.1004% | 2,399 |
| Equity capital to assets | 11.7126% | 1,866 |
| Core capital (leverage) ratio | 11.2958% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3204% | 752 |
| Memoranda: | ||
| Average total assets | $653,911,250 | 1,230 |
| Average earning assets | $599,501,750 | 1,243 |
| Average equity | $80,150,500 | 1,148 |
| Average total loans | $422,703,750 | 1,284 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 2,519 |
| Cost of funding earning assets | 0.5279% | 3,364 |
| Net interest margin | 3.7527% | 1,982 |
| Noninterest income to average assets | 3.2234% | 150 |
| Noninterest expense to average assets | 5.3092% | 167 |
| Loan and lease loss provision to assets | 0.2876% | 1,494 |
| Net operating income to assets | 1.0575% | 2,117 |
| Return on assets (ROA) | 1.0575% | 2,250 |
| Pretax return on assets | 1.0575% | 2,845 |
| Return on Equity (ROE) | 8.4927% | 2,562 |
| Retained earnings to average equity (ytd only) | -0.2002% | 4,345 |
| Net charge-offs to loans | 0.2236% | 696 |
| Credit loss provision to net charge-offs | 199.3521% | 1,929 |
| Earnings coverage of net charge-offs (x) | 9.3240% | 2,231 |
| Efficiency ratio | 79.7668% | 907 |
| Assets per employee ($millions) | 4.0168% | 4,289 |
| Cash dividends to net income (ytd only)* | 102.3571% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 2,729 |
| Loan loss allowance to noncurrent loans | 186.0741% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 1.4463% | 666 |
| Noncurrent loans to loans | 0.6237% | 2,298 |
| Net loans and leases to total assets | 62.6634% | 3,054 |
| Net loans and leases to deposits | 73.5641% | 3,117 |
| Net loans and leases to core deposits | 76.4932% | 3,246 |
| Total domestic deposits to total assets | 85.1820% | 2,321 |
| Equity capital to assets | 11.7958% | 1,785 |
| Core capital (leverage) ratio | 11.4622% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2283% | 745 |
| Memoranda: | ||
| Average total assets | $641,872,667 | 1,228 |
| Average earning assets | $586,824,667 | 1,243 |
| Average equity | $79,927,333 | 1,141 |
| Average total loans | $414,155,000 | 1,293 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 2,269 |
| Cost of funding earning assets | 0.6031% | 3,418 |
| Net interest margin | 3.9128% | 1,630 |
| Noninterest income to average assets | 3.1408% | 145 |
| Noninterest expense to average assets | 5.2702% | 192 |
| Loan and lease loss provision to assets | 0.4957% | 594 |
| Net operating income to assets | 0.9373% | 2,386 |
| Return on assets (ROA) | 0.9373% | 2,496 |
| Pretax return on assets | 0.9373% | 3,034 |
| Return on Equity (ROE) | 7.3151% | 2,821 |
| Retained earnings to average equity (ytd only) | 4.2353% | 2,590 |
| Net charge-offs to loans | 0.1018% | 1,073 |
| Credit loss provision to net charge-offs | 747.5728% | 695 |
| Earnings coverage of net charge-offs (x) | 21.6117% | 1,384 |
| Efficiency ratio | 78.6037% | 1,273 |
| Assets per employee ($millions) | 3.7817% | 4,194 |
| Cash dividends to net income (ytd only)* | 42.1016% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 2,192 |
| Loan loss allowance to noncurrent loans | 162.3022% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 1.7997% | 508 |
| Noncurrent loans to loans | 0.7940% | 2,023 |
| Net loans and leases to total assets | 63.8284% | 3,085 |
| Net loans and leases to deposits | 75.5435% | 3,115 |
| Net loans and leases to core deposits | 79.3163% | 3,256 |
| Total domestic deposits to total assets | 84.4922% | 2,603 |
| Equity capital to assets | 12.9268% | 1,468 |
| Core capital (leverage) ratio | 12.6626% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4887% | 923 |
| Memoranda: | ||
| Average total assets | $621,379,000 | 1,229 |
| Average earning assets | $565,737,500 | 1,241 |
| Average equity | $79,616,500 | 1,142 |
| Average total loans | $404,769,000 | 1,287 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 2,504 |
| Cost of funding earning assets | 0.6019% | 3,628 |
| Net interest margin | 4.0372% | 1,722 |
| Noninterest income to average assets | 1.7667% | 314 |
| Noninterest expense to average assets | 4.3501% | 352 |
| Loan and lease loss provision to assets | 0.0849% | 2,311 |
| Net operating income to assets | 1.0188% | 2,777 |
| Return on assets (ROA) | 1.0188% | 2,869 |
| Pretax return on assets | 1.0188% | 3,420 |
| Return on Equity (ROE) | 7.9954% | 3,160 |
| Retained earnings to average equity (ytd only) | 1.5517% | 4,182 |
| Net charge-offs to loans | 0.1998% | 1,021 |
| Credit loss provision to net charge-offs | 63.1514% | 3,003 |
| Earnings coverage of net charge-offs (x) | 8.2134% | 2,794 |
| Efficiency ratio | 79.7389% | 967 |
| Assets per employee ($millions) | 3.6826% | 4,280 |
| Cash dividends to net income (ytd only)* | 80.5924% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 2,785 |
| Loan loss allowance to noncurrent loans | 120.9327% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.9735% | 398 |
| Noncurrent loans to loans | 0.9351% | 1,636 |
| Net loans and leases to total assets | 64.8871% | 3,088 |
| Net loans and leases to deposits | 76.6122% | 3,119 |
| Net loans and leases to core deposits | 80.7491% | 3,236 |
| Total domestic deposits to total assets | 84.6955% | 2,608 |
| Equity capital to assets | 12.6966% | 1,707 |
| Core capital (leverage) ratio | 12.7016% | 1,370 |
| Tier 1 risk-based capital ratio | 18.3124% | 1,687 |
| Total risk-based capital ratio | 19.3942% | 1,682 |
| Memoranda: | ||
| Average total assets | $599,827,800 | 1,224 |
| Average earning assets | $547,802,800 | 1,240 |
| Average equity | $76,431,400 | 1,125 |
| Average total loans | $403,310,400 | 1,258 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 2,572 |
| Cost of funding earning assets | 0.5842% | 3,762 |
| Net interest margin | 4.0644% | 1,715 |
| Noninterest income to average assets | 1.6947% | 339 |
| Noninterest expense to average assets | 4.2692% | 377 |
| Loan and lease loss provision to assets | 0.0819% | 2,272 |
| Net operating income to assets | 1.0552% | 2,764 |
| Return on assets (ROA) | 1.0552% | 2,847 |
| Pretax return on assets | 1.0552% | 3,430 |
| Return on Equity (ROE) | 8.2732% | 3,208 |
| Retained earnings to average equity (ytd only) | 1.6171% | 4,394 |
| Net charge-offs to loans | 0.2238% | 792 |
| Credit loss provision to net charge-offs | 54.0620% | 2,754 |
| Earnings coverage of net charge-offs (x) | 7.5082% | 2,735 |
| Efficiency ratio | 78.9432% | 1,023 |
| Assets per employee ($millions) | 3.5933% | 4,401 |
| Cash dividends to net income (ytd only)* | 80.4536% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 2,953 |
| Loan loss allowance to noncurrent loans | 126.4869% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.8537% | 522 |
| Noncurrent loans to loans | 0.8816% | 1,820 |
| Net loans and leases to total assets | 66.8561% | 2,943 |
| Net loans and leases to deposits | 78.9488% | 3,013 |
| Net loans and leases to core deposits | 83.3591% | 3,145 |
| Total domestic deposits to total assets | 84.6828% | 2,547 |
| Equity capital to assets | 12.9419% | 1,660 |
| Core capital (leverage) ratio | 12.7670% | 1,450 |
| Tier 1 risk-based capital ratio | 18.4570% | 1,696 |
| Total risk-based capital ratio | 19.5478% | 1,704 |
| Memoranda: | ||
| Average total assets | $596,037,250 | 1,233 |
| Average earning assets | $544,287,250 | 1,248 |
| Average equity | $76,018,500 | 1,127 |
| Average total loans | $403,234,750 | 1,269 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 2,633 |
| Cost of funding earning assets | 0.5580% | 3,848 |
| Net interest margin | 4.0554% | 1,740 |
| Noninterest income to average assets | 1.4676% | 417 |
| Noninterest expense to average assets | 4.0745% | 486 |
| Loan and lease loss provision to assets | 0.0199% | 3,395 |
| Net operating income to assets | 1.0763% | 2,620 |
| Return on assets (ROA) | 1.0763% | 2,687 |
| Pretax return on assets | 1.0763% | 3,302 |
| Return on Equity (ROE) | 8.4816% | 3,073 |
| Retained earnings to average equity (ytd only) | 1.6437% | 4,231 |
| Net charge-offs to loans | 0.0697% | 1,663 |
| Credit loss provision to net charge-offs | 42.1429% | 2,523 |
| Earnings coverage of net charge-offs (x) | 23.2357% | 1,659 |
| Efficiency ratio | 78.7735% | 1,074 |
| Assets per employee ($millions) | 3.6618% | 4,296 |
| Cash dividends to net income (ytd only)* | 80.6199% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 2,722 |
| Loan loss allowance to noncurrent loans | 127.1615% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 1.9062% | 508 |
| Noncurrent loans to loans | 0.9140% | 1,795 |
| Net loans and leases to total assets | 67.2800% | 2,929 |
| Net loans and leases to deposits | 80.7571% | 2,876 |
| Net loans and leases to core deposits | 84.5665% | 3,068 |
| Total domestic deposits to total assets | 83.3117% | 3,111 |
| Equity capital to assets | 12.7764% | 1,701 |
| Core capital (leverage) ratio | 12.7936% | 1,408 |
| Tier 1 risk-based capital ratio | 18.1564% | 1,762 |
| Total risk-based capital ratio | 19.2881% | 1,752 |
| Memoranda: | ||
| Average total assets | $593,494,000 | 1,239 |
| Average earning assets | $541,945,000 | 1,249 |
| Average equity | $75,316,000 | 1,134 |
| Average total loans | $401,600,000 | 1,270 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5093% | 2,834 |
| Cost of funding earning assets | 0.5301% | 3,915 |
| Net interest margin | 3.9792% | 1,914 |
| Noninterest income to average assets | 1.3099% | 495 |
| Noninterest expense to average assets | 3.8685% | 614 |
| Loan and lease loss provision to assets | 0.0197% | 3,187 |
| Net operating income to assets | 1.0514% | 2,655 |
| Return on assets (ROA) | 1.0514% | 2,696 |
| Pretax return on assets | 1.0514% | 3,280 |
| Return on Equity (ROE) | 8.3145% | 3,109 |
| Retained earnings to average equity (ytd only) | 6.1363% | 2,396 |
| Net charge-offs to loans | 0.0323% | 1,807 |
| Credit loss provision to net charge-offs | 90.6250% | 1,716 |
| Earnings coverage of net charge-offs (x) | 49.2188% | 1,041 |
| Efficiency ratio | 78.2872% | 1,236 |
| Assets per employee ($millions) | 3.6044% | 4,461 |
| Cash dividends to net income (ytd only)* | 26.1966% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,445 |
| Loan loss allowance to noncurrent loans | 128.1456% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 2.1838% | 403 |
| Noncurrent loans to loans | 0.9571% | 1,748 |
| Net loans and leases to total assets | 66.1853% | 3,027 |
| Net loans and leases to deposits | 77.9473% | 3,064 |
| Net loans and leases to core deposits | 81.1495% | 3,258 |
| Total domestic deposits to total assets | 84.9103% | 2,710 |
| Equity capital to assets | 12.8347% | 1,548 |
| Core capital (leverage) ratio | 13.1589% | 1,199 |
| Tier 1 risk-based capital ratio | 18.9161% | 1,560 |
| Total risk-based capital ratio | 20.1063% | 1,539 |
| Memoranda: | ||
| Average total assets | $588,141,000 | 1,249 |
| Average earning assets | $536,489,000 | 1,264 |
| Average equity | $74,376,500 | 1,146 |
| Average total loans | $396,757,000 | 1,286 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3644% | 2,879 |
| Cost of funding earning assets | 0.3568% | 4,241 |
| Net interest margin | 4.0076% | 1,962 |
| Noninterest income to average assets | 1.0225% | 903 |
| Noninterest expense to average assets | 3.7329% | 741 |
| Loan and lease loss provision to assets | 0.0388% | 3,422 |
| Net operating income to assets | 0.8778% | 3,506 |
| Return on assets (ROA) | 0.8778% | 3,499 |
| Pretax return on assets | 0.8778% | 3,956 |
| Return on Equity (ROE) | 7.2602% | 3,743 |
| Retained earnings to average equity (ytd only) | 3.8465% | 3,466 |
| Net charge-offs to loans | 0.0495% | 2,448 |
| Credit loss provision to net charge-offs | 115.8163% | 2,240 |
| Earnings coverage of net charge-offs (x) | 27.3418% | 1,691 |
| Efficiency ratio | 80.2553% | 939 |
| Assets per employee ($millions) | 3.6572% | 4,383 |
| Cash dividends to net income (ytd only)* | 47.0187% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,445 |
| Loan loss allowance to noncurrent loans | 78.8355% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 2.7384% | 258 |
| Noncurrent loans to loans | 1.5515% | 963 |
| Net loans and leases to total assets | 67.0858% | 2,986 |
| Net loans and leases to deposits | 79.8940% | 2,965 |
| Net loans and leases to core deposits | 82.8178% | 3,197 |
| Total domestic deposits to total assets | 83.9684% | 3,004 |
| Equity capital to assets | 12.4555% | 1,600 |
| Core capital (leverage) ratio | 13.1737% | 1,185 |
| Tier 1 risk-based capital ratio | 18.3787% | 1,650 |
| Total risk-based capital ratio | 19.5532% | 1,621 |
| Memoranda: | ||
| Average total assets | $584,619,400 | 1,232 |
| Average earning assets | $529,094,600 | 1,252 |
| Average equity | $70,686,800 | 1,148 |
| Average total loans | $395,685,200 | 1,268 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 2,842 |
| Cost of funding earning assets | 0.3315% | 4,298 |
| Net interest margin | 4.0011% | 1,952 |
| Noninterest income to average assets | 1.0441% | 871 |
| Noninterest expense to average assets | 3.6984% | 760 |
| Loan and lease loss provision to assets | 0.0495% | 3,000 |
| Net operating income to assets | 0.9111% | 3,475 |
| Return on assets (ROA) | 0.9111% | 3,482 |
| Pretax return on assets | 0.9111% | 3,983 |
| Return on Equity (ROE) | 7.5925% | 3,712 |
| Retained earnings to average equity (ytd only) | 3.5415% | 3,998 |
| Net charge-offs to loans | 0.0027% | 3,384 |
| Credit loss provision to net charge-offs | 2,712.5000% | 152 |
| Earnings coverage of net charge-offs (x) | 526.1978% | 170 |
| Efficiency ratio | 79.3527% | 1,003 |
| Assets per employee ($millions) | 3.8846% | 4,063 |
| Cash dividends to net income (ytd only)* | 53.3550% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 2,212 |
| Loan loss allowance to noncurrent loans | 79.8321% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 3.0936% | 225 |
| Noncurrent loans to loans | 1.5987% | 992 |
| Net loans and leases to total assets | 67.7952% | 2,977 |
| Net loans and leases to deposits | 77.7802% | 3,255 |
| Net loans and leases to core deposits | 80.5559% | 3,453 |
| Total domestic deposits to total assets | 87.1625% | 1,661 |
| Equity capital to assets | 12.2271% | 1,756 |
| Core capital (leverage) ratio | 12.8968% | 1,327 |
| Tier 1 risk-based capital ratio | 18.2325% | 1,731 |
| Total risk-based capital ratio | 19.4542% | 1,694 |
| Memoranda: | ||
| Average total assets | $584,485,000 | 1,236 |
| Average earning assets | $528,077,250 | 1,253 |
| Average equity | $70,137,500 | 1,154 |
| Average total loans | $395,252,000 | 1,272 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 2,912 |
| Cost of funding earning assets | 0.3183% | 4,280 |
| Net interest margin | 3.9409% | 2,062 |
| Noninterest income to average assets | 1.0588% | 862 |
| Noninterest expense to average assets | 3.7286% | 730 |
| Loan and lease loss provision to assets | 0.0191% | 3,519 |
| Net operating income to assets | 0.8719% | 3,577 |
| Return on assets (ROA) | 0.8719% | 3,582 |
| Pretax return on assets | 0.8719% | 4,051 |
| Return on Equity (ROE) | 7.3112% | 3,792 |
| Retained earnings to average equity (ytd only) | 1.8292% | 4,511 |
| Net charge-offs to loans | 0.0010% | 3,183 |
| Credit loss provision to net charge-offs | 2,800.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 1,309.0000% | 57 |
| Efficiency ratio | 80.6837% | 940 |
| Assets per employee ($millions) | 3.8918% | 4,072 |
| Cash dividends to net income (ytd only)* | 74.9805% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 2,421 |
| Loan loss allowance to noncurrent loans | 102.1330% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 2.9279% | 258 |
| Noncurrent loans to loans | 1.2260% | 1,412 |
| Net loans and leases to total assets | 65.1123% | 3,263 |
| Net loans and leases to deposits | 74.3471% | 3,499 |
| Net loans and leases to core deposits | 76.7124% | 3,682 |
| Total domestic deposits to total assets | 87.5788% | 1,602 |
| Equity capital to assets | 11.8148% | 1,980 |
| Core capital (leverage) ratio | 12.5238% | 1,427 |
| Tier 1 risk-based capital ratio | 17.8421% | 1,845 |
| Total risk-based capital ratio | 19.0200% | 1,828 |
| Memoranda: | ||
| Average total assets | $587,671,330 | 1,228 |
| Average earning assets | $530,995,330 | 1,255 |
| Average equity | $70,084,330 | 1,157 |
| Average total loans | $395,399,000 | 1,270 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 2,978 |
| Cost of funding earning assets | 0.3088% | 4,280 |
| Net interest margin | 3.8633% | 2,182 |
| Noninterest income to average assets | 1.0530% | 827 |
| Noninterest expense to average assets | 3.7403% | 718 |
| Loan and lease loss provision to assets | 0.1721% | 1,020 |
| Net operating income to assets | 0.6262% | 4,351 |
| Return on assets (ROA) | 0.6262% | 4,362 |
| Pretax return on assets | 0.6262% | 4,624 |
| Return on Equity (ROE) | 5.2264% | 4,409 |
| Retained earnings to average equity (ytd only) | -4.5254% | 5,179 |
| Net charge-offs to loans | 0.0482% | 1,626 |
| Credit loss provision to net charge-offs | 525.0000% | 565 |
| Earnings coverage of net charge-offs (x) | 24.3542% | 1,361 |
| Efficiency ratio | 82.3804% | 912 |
| Assets per employee ($millions) | 3.8765% | 4,185 |
| Cash dividends to net income (ytd only)* | 186.5867% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,366 |
| Loan loss allowance to noncurrent loans | 129.9097% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 2.8039% | 301 |
| Noncurrent loans to loans | 0.9815% | 1,856 |
| Net loans and leases to total assets | 65.7199% | 3,081 |
| Net loans and leases to deposits | 74.8967% | 3,326 |
| Net loans and leases to core deposits | 77.3524% | 3,548 |
| Total domestic deposits to total assets | 87.7474% | 1,763 |
| Equity capital to assets | 11.6168% | 2,049 |
| Core capital (leverage) ratio | 12.5221% | 1,381 |
| Tier 1 risk-based capital ratio | 17.4727% | 1,983 |
| Total risk-based capital ratio | 18.6852% | 1,949 |
| Memoranda: | ||
| Average total assets | $585,733,500 | 1,242 |
| Average earning assets | $528,454,500 | 1,269 |
| Average equity | $70,181,500 | 1,169 |
| Average total loans | $398,071,500 | 1,266 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1797% | 2,762 |
| Cost of funding earning assets | 0.3000% | 4,141 |
| Net interest margin | 3.8797% | 2,154 |
| Noninterest income to average assets | 1.2798% | 648 |
| Noninterest expense to average assets | 3.8719% | 637 |
| Loan and lease loss provision to assets | 0.1514% | 1,490 |
| Net operating income to assets | 0.7218% | 3,512 |
| Return on assets (ROA) | 0.7163% | 3,580 |
| Pretax return on assets | 0.7163% | 4,473 |
| Return on Equity (ROE) | 5.9511% | 3,781 |
| Retained earnings to average equity (ytd only) | 2.2165% | 3,996 |
| Net charge-offs to loans | 0.1035% | 2,029 |
| Credit loss provision to net charge-offs | 216.1369% | 1,261 |
| Earnings coverage of net charge-offs (x) | 12.4670% | 2,472 |
| Efficiency ratio | 81.5879% | 958 |
| Assets per employee ($millions) | 3.7314% | 4,388 |
| Cash dividends to net income (ytd only)* | 62.7540% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,754 |
| Loan loss allowance to noncurrent loans | 131.9312% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 3.1378% | 246 |
| Noncurrent loans to loans | 0.9122% | 1,961 |
| Net loans and leases to total assets | 68.5540% | 2,742 |
| Net loans and leases to deposits | 79.3783% | 2,986 |
| Net loans and leases to core deposits | 81.9423% | 3,247 |
| Total domestic deposits to total assets | 86.3637% | 2,289 |
| Equity capital to assets | 12.3562% | 1,601 |
| Core capital (leverage) ratio | 12.7303% | 1,252 |
| Tier 1 risk-based capital ratio | 17.1963% | 2,027 |
| Total risk-based capital ratio | 18.3285% | 2,020 |
| Memoranda: | ||
| Average total assets | $583,984,200 | 1,228 |
| Average earning assets | $521,592,400 | 1,254 |
| Average equity | $70,289,600 | 1,131 |
| Average total loans | $395,059,800 | 1,246 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 2,880 |
| Cost of funding earning assets | 0.3013% | 4,112 |
| Net interest margin | 3.8280% | 2,293 |
| Noninterest income to average assets | 1.2573% | 666 |
| Noninterest expense to average assets | 3.8326% | 647 |
| Loan and lease loss provision to assets | 0.1403% | 1,514 |
| Net operating income to assets | 0.6990% | 3,992 |
| Return on assets (ROA) | 0.6983% | 4,057 |
| Pretax return on assets | 0.6983% | 4,615 |
| Return on Equity (ROE) | 5.8402% | 4,193 |
| Retained earnings to average equity (ytd only) | 1.4877% | 4,823 |
| Net charge-offs to loans | 0.0444% | 2,554 |
| Credit loss provision to net charge-offs | 470.2290% | 681 |
| Earnings coverage of net charge-offs (x) | 28.1301% | 1,618 |
| Efficiency ratio | 82.0300% | 913 |
| Assets per employee ($millions) | 3.7150% | 4,426 |
| Cash dividends to net income (ytd only)* | 74.5270% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 2,741 |
| Loan loss allowance to noncurrent loans | 135.8787% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 3.4889% | 221 |
| Noncurrent loans to loans | 0.9052% | 2,119 |
| Net loans and leases to total assets | 67.4960% | 2,923 |
| Net loans and leases to deposits | 77.4665% | 3,228 |
| Net loans and leases to core deposits | 79.7979% | 3,469 |
| Total domestic deposits to total assets | 87.1292% | 1,807 |
| Equity capital to assets | 12.3810% | 1,729 |
| Core capital (leverage) ratio | 12.4871% | 1,418 |
| Tier 1 risk-based capital ratio | 17.3236% | 2,058 |
| Total risk-based capital ratio | 18.4788% | 2,036 |
| Memoranda: | ||
| Average total assets | $585,388,500 | 1,234 |
| Average earning assets | $522,174,250 | 1,263 |
| Average equity | $69,996,000 | 1,145 |
| Average total loans | $393,493,750 | 1,257 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 2,998 |
| Cost of funding earning assets | 0.3106% | 3,967 |
| Net interest margin | 3.7434% | 2,500 |
| Noninterest income to average assets | 1.2430% | 675 |
| Noninterest expense to average assets | 3.8309% | 647 |
| Loan and lease loss provision to assets | 0.1441% | 1,416 |
| Net operating income to assets | 0.6062% | 4,277 |
| Return on assets (ROA) | 0.6052% | 4,325 |
| Pretax return on assets | 0.6052% | 4,792 |
| Return on Equity (ROE) | 5.1205% | 4,424 |
| Retained earnings to average equity (ytd only) | 0.1323% | 5,043 |
| Net charge-offs to loans | 0.0025% | 3,414 |
| Credit loss provision to net charge-offs | 8,480.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 441.6000% | 193 |
| Efficiency ratio | 83.6226% | 873 |
| Assets per employee ($millions) | 3.6521% | 4,507 |
| Cash dividends to net income (ytd only)* | 97.4172% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 2,943 |
| Loan loss allowance to noncurrent loans | 80.5874% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 3.9929% | 171 |
| Noncurrent loans to loans | 1.5039% | 1,249 |
| Net loans and leases to total assets | 67.0144% | 2,949 |
| Net loans and leases to deposits | 76.6874% | 3,260 |
| Net loans and leases to core deposits | 78.6741% | 3,533 |
| Total domestic deposits to total assets | 87.3865% | 1,769 |
| Equity capital to assets | 12.1212% | 1,851 |
| Core capital (leverage) ratio | 12.2886% | 1,482 |
| Tier 1 risk-based capital ratio | 17.0107% | 2,153 |
| Total risk-based capital ratio | 18.1396% | 2,143 |
| Memoranda: | ||
| Average total assets | $588,576,670 | 1,225 |
| Average earning assets | $524,863,670 | 1,264 |
| Average equity | $69,563,670 | 1,148 |
| Average total loans | $393,492,330 | 1,257 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 3,278 |
| Cost of funding earning assets | 0.3407% | 3,626 |
| Net interest margin | 3.5895% | 2,925 |
| Noninterest income to average assets | 1.2023% | 714 |
| Noninterest expense to average assets | 3.7818% | 693 |
| Loan and lease loss provision to assets | 0.2012% | 820 |
| Net operating income to assets | 0.4199% | 4,891 |
| Return on assets (ROA) | 0.4199% | 4,912 |
| Pretax return on assets | 0.4199% | 5,123 |
| Return on Equity (ROE) | 3.5978% | 4,922 |
| Retained earnings to average equity (ytd only) | -5.2232% | 5,400 |
| Net charge-offs to loans | -0.0488% | 5,173 |
| Credit loss provision to net charge-offs | -620.8333% | 4,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8939% | 811 |
| Assets per employee ($millions) | 3.8309% | 4,297 |
| Cash dividends to net income (ytd only)* | 245.1768% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 3,184 |
| Loan loss allowance to noncurrent loans | 53.3477% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 4.4033% | 156 |
| Noncurrent loans to loans | 2.2347% | 749 |
| Net loans and leases to total assets | 65.1958% | 3,087 |
| Net loans and leases to deposits | 75.8936% | 3,211 |
| Net loans and leases to core deposits | 77.8504% | 3,483 |
| Total domestic deposits to total assets | 85.9042% | 2,713 |
| Equity capital to assets | 11.5067% | 2,173 |
| Core capital (leverage) ratio | 12.0380% | 1,603 |
| Tier 1 risk-based capital ratio | 16.5215% | 2,352 |
| Total risk-based capital ratio | 17.6156% | 2,354 |
| Memoranda: | ||
| Average total assets | $592,521,500 | 1,218 |
| Average earning assets | $528,312,500 | 1,256 |
| Average equity | $69,152,500 | 1,147 |
| Average total loans | $393,279,500 | 1,262 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1261% | 2,751 |
| Cost of funding earning assets | 0.3526% | 3,490 |
| Net interest margin | 3.7735% | 2,413 |
| Noninterest income to average assets | 1.3411% | 635 |
| Noninterest expense to average assets | 4.0776% | 542 |
| Loan and lease loss provision to assets | 0.0411% | 3,558 |
| Net operating income to assets | 0.5530% | 4,425 |
| Return on assets (ROA) | 0.5050% | 4,686 |
| Pretax return on assets | 0.5050% | 5,015 |
| Return on Equity (ROE) | 4.1883% | 4,772 |
| Retained earnings to average equity (ytd only) | 2.4013% | 4,159 |
| Net charge-offs to loans | 0.2365% | 1,181 |
| Credit loss provision to net charge-offs | 25.5765% | 3,629 |
| Earnings coverage of net charge-offs (x) | 3.6992% | 3,618 |
| Efficiency ratio | 87.2838% | 733 |
| Assets per employee ($millions) | 3.8466% | 4,228 |
| Cash dividends to net income (ytd only)* | 42.6667% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 3,609 |
| Loan loss allowance to noncurrent loans | 47.7391% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 4.5478% | 151 |
| Noncurrent loans to loans | 2.3455% | 698 |
| Net loans and leases to total assets | 65.9010% | 3,086 |
| Net loans and leases to deposits | 77.2482% | 3,182 |
| Net loans and leases to core deposits | 78.8963% | 3,489 |
| Total domestic deposits to total assets | 85.3107% | 2,920 |
| Equity capital to assets | 11.9963% | 1,810 |
| Core capital (leverage) ratio | 12.3383% | 1,416 |
| Tier 1 risk-based capital ratio | 17.0495% | 2,140 |
| Total risk-based capital ratio | 18.0760% | 2,170 |
| Memoranda: | ||
| Average total assets | $594,055,400 | 1,176 |
| Average earning assets | $524,318,000 | 1,220 |
| Average equity | $71,627,400 | 1,100 |
| Average total loans | $403,445,400 | 1,193 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1597% | 2,644 |
| Cost of funding earning assets | 0.3523% | 3,512 |
| Net interest margin | 3.8074% | 2,305 |
| Noninterest income to average assets | 1.4058% | 600 |
| Noninterest expense to average assets | 4.1593% | 503 |
| Loan and lease loss provision to assets | 0.0985% | 2,254 |
| Net operating income to assets | 0.5025% | 4,691 |
| Return on assets (ROA) | 0.5099% | 4,761 |
| Pretax return on assets | 0.5099% | 5,098 |
| Return on Equity (ROE) | 4.2234% | 4,822 |
| Retained earnings to average equity (ytd only) | 2.2480% | 4,573 |
| Net charge-offs to loans | 0.2251% | 1,042 |
| Credit loss provision to net charge-offs | 64.1399% | 2,866 |
| Earnings coverage of net charge-offs (x) | 3.9126% | 3,340 |
| Efficiency ratio | 87.3748% | 713 |
| Assets per employee ($millions) | 3.8006% | 4,302 |
| Cash dividends to net income (ytd only)* | 46.7720% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 3,127 |
| Loan loss allowance to noncurrent loans | 47.9368% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 4.4765% | 174 |
| Noncurrent loans to loans | 2.5420% | 682 |
| Net loans and leases to total assets | 66.8213% | 2,985 |
| Net loans and leases to deposits | 78.7916% | 3,102 |
| Net loans and leases to core deposits | 80.3999% | 3,405 |
| Total domestic deposits to total assets | 84.8076% | 2,891 |
| Equity capital to assets | 12.3856% | 1,848 |
| Core capital (leverage) ratio | 12.2115% | 1,539 |
| Tier 1 risk-based capital ratio | 16.7397% | 2,324 |
| Total risk-based capital ratio | 17.8618% | 2,321 |
| Memoranda: | ||
| Average total assets | $595,438,000 | 1,174 |
| Average earning assets | $524,609,250 | 1,218 |
| Average equity | $71,884,000 | 1,103 |
| Average total loans | $406,247,750 | 1,189 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 2,623 |
| Cost of funding earning assets | 0.3531% | 3,531 |
| Net interest margin | 3.8108% | 2,268 |
| Noninterest income to average assets | 1.4067% | 586 |
| Noninterest expense to average assets | 4.2631% | 462 |
| Loan and lease loss provision to assets | 0.0947% | 2,259 |
| Net operating income to assets | 0.4010% | 5,024 |
| Return on assets (ROA) | 0.4287% | 5,033 |
| Pretax return on assets | 0.4287% | 5,285 |
| Return on Equity (ROE) | 3.5820% | 5,060 |
| Retained earnings to average equity (ytd only) | 1.1353% | 4,927 |
| Net charge-offs to loans | 0.2152% | 1,089 |
| Credit loss provision to net charge-offs | 64.3182% | 2,526 |
| Earnings coverage of net charge-offs (x) | 3.3659% | 3,119 |
| Efficiency ratio | 89.5836% | 624 |
| Assets per employee ($millions) | 3.6509% | 4,517 |
| Cash dividends to net income (ytd only)* | 68.3060% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 3,255 |
| Loan loss allowance to noncurrent loans | 47.1491% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 4.3964% | 183 |
| Noncurrent loans to loans | 2.5840% | 654 |
| Net loans and leases to total assets | 67.3723% | 2,887 |
| Net loans and leases to deposits | 79.9451% | 2,935 |
| Net loans and leases to core deposits | 81.5267% | 3,316 |
| Total domestic deposits to total assets | 84.2732% | 3,164 |
| Equity capital to assets | 12.1839% | 1,982 |
| Core capital (leverage) ratio | 11.9652% | 1,647 |
| Tier 1 risk-based capital ratio | 16.3282% | 2,492 |
| Total risk-based capital ratio | 17.4553% | 2,491 |
| Memoranda: | ||
| Average total assets | $597,551,670 | 1,180 |
| Average earning assets | $525,607,330 | 1,224 |
| Average equity | $71,524,330 | 1,111 |
| Average total loans | $408,831,000 | 1,189 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1566% | 2,631 |
| Cost of funding earning assets | 0.3560% | 3,543 |
| Net interest margin | 3.8007% | 2,281 |
| Noninterest income to average assets | 1.2686% | 679 |
| Noninterest expense to average assets | 4.3261% | 446 |
| Loan and lease loss provision to assets | 0.1149% | 1,822 |
| Net operating income to assets | 0.1583% | 5,601 |
| Return on assets (ROA) | 0.2138% | 5,564 |
| Pretax return on assets | 0.2138% | 5,627 |
| Return on Equity (ROE) | 1.8020% | 5,546 |
| Retained earnings to average equity (ytd only) | -1.7175% | 5,357 |
| Net charge-offs to loans | 0.1511% | 1,209 |
| Credit loss provision to net charge-offs | 110.9677% | 1,514 |
| Earnings coverage of net charge-offs (x) | 2.6387% | 2,654 |
| Efficiency ratio | 94.0595% | 449 |
| Assets per employee ($millions) | 3.7167% | 4,442 |
| Cash dividends to net income (ytd only)* | 195.3125% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 3,191 |
| Loan loss allowance to noncurrent loans | 49.6653% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 6.3871% | 106 |
| Noncurrent loans to loans | 2.5162% | 741 |
| Net loans and leases to total assets | 68.0228% | 2,647 |
| Net loans and leases to deposits | 80.5694% | 2,717 |
| Net loans and leases to core deposits | 82.5121% | 3,086 |
| Total domestic deposits to total assets | 84.4276% | 3,341 |
| Equity capital to assets | 11.9941% | 2,033 |
| Core capital (leverage) ratio | 11.8589% | 1,703 |
| Tier 1 risk-based capital ratio | 15.8754% | 2,749 |
| Total risk-based capital ratio | 17.0211% | 2,732 |
| Memoranda: | ||
| Average total assets | $598,778,500 | 1,179 |
| Average earning assets | $524,750,000 | 1,231 |
| Average equity | $71,033,500 | 1,111 |
| Average total loans | $410,308,500 | 1,178 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 2,367 |
| Cost of funding earning assets | 0.3602% | 3,580 |
| Net interest margin | 3.8959% | 2,043 |
| Noninterest income to average assets | 1.3309% | 679 |
| Noninterest expense to average assets | 4.2867% | 497 |
| Loan and lease loss provision to assets | 0.1352% | 1,765 |
| Net operating income to assets | 0.3180% | 5,302 |
| Return on assets (ROA) | 0.3207% | 5,380 |
| Pretax return on assets | 0.3207% | 5,478 |
| Return on Equity (ROE) | 2.7361% | 5,390 |
| Retained earnings to average equity (ytd only) | 1.9362% | 4,628 |
| Net charge-offs to loans | 0.4301% | 649 |
| Credit loss provision to net charge-offs | 45.2328% | 3,470 |
| Earnings coverage of net charge-offs (x) | 1.5166% | 4,070 |
| Efficiency ratio | 90.4389% | 665 |
| Assets per employee ($millions) | 3.3870% | 5,001 |
| Cash dividends to net income (ytd only)* | 29.2355% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 3,235 |
| Loan loss allowance to noncurrent loans | 62.4633% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 5.9852% | 135 |
| Noncurrent loans to loans | 1.9874% | 1,055 |
| Net loans and leases to total assets | 67.3235% | 2,818 |
| Net loans and leases to deposits | 79.8620% | 2,834 |
| Net loans and leases to core deposits | 81.5728% | 3,193 |
| Total domestic deposits to total assets | 84.2998% | 3,367 |
| Equity capital to assets | 11.7338% | 2,164 |
| Core capital (leverage) ratio | 11.8155% | 1,747 |
| Tier 1 risk-based capital ratio | 15.8854% | 2,742 |
| Total risk-based capital ratio | 17.0232% | 2,734 |
| Memoranda: | ||
| Average total assets | $603,733,200 | 1,125 |
| Average earning assets | $528,275,400 | 1,194 |
| Average equity | $70,758,200 | 1,082 |
| Average total loans | $419,482,600 | 1,090 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2596% | 2,366 |
| Cost of funding earning assets | 0.3596% | 3,654 |
| Net interest margin | 3.9000% | 2,031 |
| Noninterest income to average assets | 1.3864% | 646 |
| Noninterest expense to average assets | 4.2506% | 515 |
| Loan and lease loss provision to assets | 0.1433% | 1,537 |
| Net operating income to assets | 0.4040% | 5,150 |
| Return on assets (ROA) | 0.4075% | 5,232 |
| Pretax return on assets | 0.4075% | 5,451 |
| Return on Equity (ROE) | 3.4782% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.3539% | 4,083 |
| Net charge-offs to loans | 0.5294% | 441 |
| Credit loss provision to net charge-offs | 38.7694% | 3,174 |
| Earnings coverage of net charge-offs (x) | 1.4809% | 3,827 |
| Efficiency ratio | 88.5934% | 791 |
| Assets per employee ($millions) | 3.3992% | 4,984 |
| Cash dividends to net income (ytd only)* | 3.5754% | 3,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 3,562 |
| Loan loss allowance to noncurrent loans | 59.4623% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 5.7238% | 152 |
| Noncurrent loans to loans | 2.0439% | 1,129 |
| Net loans and leases to total assets | 68.8150% | 2,560 |
| Net loans and leases to deposits | 81.9649% | 2,649 |
| Net loans and leases to core deposits | 84.0370% | 3,036 |
| Total domestic deposits to total assets | 83.9567% | 3,451 |
| Equity capital to assets | 12.0012% | 2,110 |
| Core capital (leverage) ratio | 11.8496% | 1,780 |
| Tier 1 risk-based capital ratio | 15.6471% | 2,976 |
| Total risk-based capital ratio | 16.7533% | 2,973 |
| Memoranda: | ||
| Average total assets | $603,944,250 | 1,137 |
| Average earning assets | $528,293,250 | 1,200 |
| Average equity | $70,762,250 | 1,084 |
| Average total loans | $421,606,250 | 1,087 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 2,340 |
| Cost of funding earning assets | 0.3572% | 3,734 |
| Net interest margin | 3.8960% | 1,993 |
| Noninterest income to average assets | 1.4403% | 611 |
| Noninterest expense to average assets | 4.1730% | 563 |
| Loan and lease loss provision to assets | 0.2443% | 731 |
| Net operating income to assets | 0.4259% | 5,058 |
| Return on assets (ROA) | 0.4259% | 5,162 |
| Pretax return on assets | 0.4259% | 5,411 |
| Return on Equity (ROE) | 3.6639% | 5,155 |
| Retained earnings to average equity (ytd only) | 3.4764% | 3,828 |
| Net charge-offs to loans | 0.7660% | 291 |
| Credit loss provision to net charge-offs | 45.6508% | 2,751 |
| Earnings coverage of net charge-offs (x) | 1.2523% | 3,549 |
| Efficiency ratio | 86.1632% | 1,048 |
| Assets per employee ($millions) | 3.3472% | 5,077 |
| Cash dividends to net income (ytd only)* | 5.1163% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 3,632 |
| Loan loss allowance to noncurrent loans | 57.6217% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 5.9400% | 162 |
| Noncurrent loans to loans | 2.1303% | 1,126 |
| Net loans and leases to total assets | 68.8025% | 2,517 |
| Net loans and leases to deposits | 82.8287% | 2,457 |
| Net loans and leases to core deposits | 84.8354% | 2,900 |
| Total domestic deposits to total assets | 83.0660% | 3,926 |
| Equity capital to assets | 11.6427% | 2,297 |
| Core capital (leverage) ratio | 11.6390% | 1,898 |
| Tier 1 risk-based capital ratio | 15.2595% | 3,218 |
| Total risk-based capital ratio | 16.3776% | 3,229 |
| Memoranda: | ||
| Average total assets | $605,840,670 | 1,139 |
| Average earning assets | $529,163,000 | 1,203 |
| Average equity | $70,417,000 | 1,095 |
| Average total loans | $423,223,670 | 1,084 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 2,406 |
| Cost of funding earning assets | 0.3557% | 3,796 |
| Net interest margin | 3.8562% | 2,042 |
| Noninterest income to average assets | 1.5605% | 503 |
| Noninterest expense to average assets | 4.1062% | 615 |
| Loan and lease loss provision to assets | 0.3774% | 325 |
| Net operating income to assets | 0.4363% | 4,923 |
| Return on assets (ROA) | 0.4363% | 5,045 |
| Pretax return on assets | 0.4363% | 5,346 |
| Return on Equity (ROE) | 3.7570% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.3807% | 3,954 |
| Net charge-offs to loans | 0.7883% | 297 |
| Credit loss provision to net charge-offs | 68.4274% | 1,930 |
| Earnings coverage of net charge-offs (x) | 1.4754% | 2,914 |
| Efficiency ratio | 83.4612% | 1,436 |
| Assets per employee ($millions) | 3.5874% | 4,747 |
| Cash dividends to net income (ytd only)* | 10.0152% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 3,054 |
| Loan loss allowance to noncurrent loans | 73.3972% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 6.1027% | 166 |
| Noncurrent loans to loans | 1.8696% | 1,437 |
| Net loans and leases to total assets | 68.2714% | 2,401 |
| Net loans and leases to deposits | 82.3505% | 2,295 |
| Net loans and leases to core deposits | 84.1892% | 2,748 |
| Total domestic deposits to total assets | 82.9034% | 4,204 |
| Equity capital to assets | 11.5229% | 2,444 |
| Core capital (leverage) ratio | 11.7462% | 1,812 |
| Tier 1 risk-based capital ratio | 14.9619% | 3,454 |
| Total risk-based capital ratio | 16.1993% | 3,386 |
| Memoranda: | ||
| Average total assets | $604,163,000 | 1,146 |
| Average earning assets | $526,317,000 | 1,215 |
| Average equity | $70,162,000 | 1,102 |
| Average total loans | $422,660,000 | 1,085 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 2,577 |
| Cost of funding earning assets | 0.3992% | 3,696 |
| Net interest margin | 3.9098% | 2,203 |
| Noninterest income to average assets | 1.3292% | 699 |
| Noninterest expense to average assets | 4.0010% | 750 |
| Loan and lease loss provision to assets | 0.2111% | 1,183 |
| Net operating income to assets | 0.5168% | 4,746 |
| Return on assets (ROA) | 0.4943% | 4,925 |
| Pretax return on assets | 0.4943% | 5,268 |
| Return on Equity (ROE) | 4.3543% | 4,955 |
| Retained earnings to average equity (ytd only) | 4.3543% | 3,086 |
| Net charge-offs to loans | 0.6131% | 642 |
| Credit loss provision to net charge-offs | 48.6862% | 3,509 |
| Earnings coverage of net charge-offs (x) | 1.6789% | 4,359 |
| Efficiency ratio | 84.6086% | 1,331 |
| Assets per employee ($millions) | 3.5210% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 2,800 |
| Loan loss allowance to noncurrent loans | 72.8395% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 6.4556% | 173 |
| Noncurrent loans to loans | 1.9635% | 1,425 |
| Net loans and leases to total assets | 69.7029% | 2,279 |
| Net loans and leases to deposits | 85.0763% | 2,088 |
| Net loans and leases to core deposits | 87.4210% | 2,561 |
| Total domestic deposits to total assets | 81.9298% | 4,444 |
| Equity capital to assets | 11.7324% | 2,222 |
| Core capital (leverage) ratio | 11.6237% | 1,886 |
| Tier 1 risk-based capital ratio | 15.2809% | 3,322 |
| Total risk-based capital ratio | 16.5316% | 3,276 |
| Memoranda: | ||
| Average total assets | $596,978,800 | 1,113 |
| Average earning assets | $519,077,600 | 1,179 |
| Average equity | $67,772,200 | 1,087 |
| Average total loans | $422,085,200 | 1,040 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 2,676 |
| Cost of funding earning assets | 0.4002% | 3,782 |
| Net interest margin | 3.8899% | 2,283 |
| Noninterest income to average assets | 1.3258% | 690 |
| Noninterest expense to average assets | 4.0037% | 749 |
| Loan and lease loss provision to assets | 0.2236% | 1,019 |
| Net operating income to assets | 0.4802% | 4,945 |
| Return on assets (ROA) | 0.4802% | 5,026 |
| Pretax return on assets | 0.4802% | 5,382 |
| Return on Equity (ROE) | 4.2658% | 5,050 |
| Retained earnings to average equity (ytd only) | 4.2658% | 3,611 |
| Net charge-offs to loans | 0.5641% | 668 |
| Credit loss provision to net charge-offs | 56.0716% | 3,013 |
| Earnings coverage of net charge-offs (x) | 1.7650% | 4,082 |
| Efficiency ratio | 85.0486% | 1,281 |
| Assets per employee ($millions) | 3.4625% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 2,524 |
| Loan loss allowance to noncurrent loans | 76.1402% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 6.1962% | 215 |
| Noncurrent loans to loans | 2.0278% | 1,558 |
| Net loans and leases to total assets | 70.2512% | 2,155 |
| Net loans and leases to deposits | 85.3697% | 1,985 |
| Net loans and leases to core deposits | 87.9583% | 2,440 |
| Total domestic deposits to total assets | 82.2905% | 4,380 |
| Equity capital to assets | 11.5185% | 2,463 |
| Core capital (leverage) ratio | 11.4867% | 2,079 |
| Tier 1 risk-based capital ratio | 15.0795% | 3,542 |
| Total risk-based capital ratio | 16.3309% | 3,478 |
| Memoranda: | ||
| Average total assets | $597,460,250 | 1,119 |
| Average earning assets | $519,411,750 | 1,183 |
| Average equity | $67,261,750 | 1,095 |
| Average total loans | $422,409,750 | 1,039 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2260% | 2,860 |
| Cost of funding earning assets | 0.3984% | 3,886 |
| Net interest margin | 3.8276% | 2,454 |
| Noninterest income to average assets | 1.2032% | 809 |
| Noninterest expense to average assets | 3.8465% | 914 |
| Loan and lease loss provision to assets | 0.2414% | 929 |
| Net operating income to assets | 0.4374% | 5,067 |
| Return on assets (ROA) | 0.4374% | 5,147 |
| Pretax return on assets | 0.4374% | 5,459 |
| Return on Equity (ROE) | 3.9152% | 5,186 |
| Retained earnings to average equity (ytd only) | 3.9152% | 3,692 |
| Net charge-offs to loans | 0.6651% | 579 |
| Credit loss provision to net charge-offs | 51.4979% | 2,776 |
| Earnings coverage of net charge-offs (x) | 1.4479% | 3,802 |
| Efficiency ratio | 84.9996% | 1,384 |
| Assets per employee ($millions) | 3.5035% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 2,660 |
| Loan loss allowance to noncurrent loans | 65.4171% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 6.3605% | 221 |
| Noncurrent loans to loans | 2.3723% | 1,346 |
| Net loans and leases to total assets | 69.7683% | 2,126 |
| Net loans and leases to deposits | 84.7113% | 1,962 |
| Net loans and leases to core deposits | 87.6925% | 2,344 |
| Total domestic deposits to total assets | 82.3601% | 4,520 |
| Equity capital to assets | 11.2215% | 2,682 |
| Core capital (leverage) ratio | 11.3193% | 2,143 |
| Tier 1 risk-based capital ratio | 14.6434% | 3,842 |
| Total risk-based capital ratio | 15.8945% | 3,790 |
| Memoranda: | ||
| Average total assets | $598,095,000 | 1,115 |
| Average earning assets | $519,125,330 | 1,174 |
| Average equity | $66,816,000 | 1,094 |
| Average total loans | $421,564,330 | 1,036 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 2,946 |
| Cost of funding earning assets | 0.3960% | 4,024 |
| Net interest margin | 3.7844% | 2,528 |
| Noninterest income to average assets | 1.0584% | 1,000 |
| Noninterest expense to average assets | 3.7907% | 998 |
| Loan and lease loss provision to assets | 0.1946% | 1,205 |
| Net operating income to assets | 0.3548% | 5,297 |
| Return on assets (ROA) | 0.3548% | 5,353 |
| Pretax return on assets | 0.3548% | 5,583 |
| Return on Equity (ROE) | 3.1835% | 5,399 |
| Retained earnings to average equity (ytd only) | 3.1835% | 4,217 |
| Net charge-offs to loans | 0.4598% | 790 |
| Credit loss provision to net charge-offs | 60.2083% | 2,105 |
| Earnings coverage of net charge-offs (x) | 1.7000% | 3,037 |
| Efficiency ratio | 87.3410% | 1,302 |
| Assets per employee ($millions) | 3.4179% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 2,353 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 6.4852% | 247 |
| Noncurrent loans to loans | 2.2670% | 1,588 |
| Net loans and leases to total assets | 69.1600% | 2,036 |
| Net loans and leases to deposits | 84.0323% | 1,817 |
| Net loans and leases to core deposits | 86.8012% | 2,222 |
| Total domestic deposits to total assets | 82.3017% | 4,852 |
| Equity capital to assets | 11.1537% | 2,570 |
| Core capital (leverage) ratio | 11.3762% | 2,071 |
| Tier 1 risk-based capital ratio | 14.6378% | 3,927 |
| Total risk-based capital ratio | 15.8910% | 3,878 |
| Memoranda: | ||
| Average total assets | $594,091,000 | 1,128 |
| Average earning assets | $515,166,500 | 1,194 |
| Average equity | $66,217,000 | 1,106 |
| Average total loans | $417,579,500 | 1,051 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 2,781 |
| Cost of funding earning assets | 0.4360% | 4,254 |
| Net interest margin | 3.9110% | 2,251 |
| Noninterest income to average assets | 1.3968% | 722 |
| Noninterest expense to average assets | 4.0858% | 791 |
| Loan and lease loss provision to assets | 0.2876% | 1,195 |
| Net operating income to assets | 0.4377% | 5,000 |
| Return on assets (ROA) | 0.4587% | 5,044 |
| Pretax return on assets | 0.4545% | 5,343 |
| Return on Equity (ROE) | 4.1679% | 5,025 |
| Retained earnings to average equity (ytd only) | 2.4786% | 4,492 |
| Net charge-offs to loans | 0.8801% | 694 |
| Credit loss provision to net charge-offs | 47.7839% | 3,867 |
| Earnings coverage of net charge-offs (x) | 1.1981% | 4,671 |
| Efficiency ratio | 84.9988% | 1,518 |
| Assets per employee ($millions) | 3.3149% | 5,254 |
| Cash dividends to net income (ytd only)* | 40.5307% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 2,152 |
| Loan loss allowance to noncurrent loans | 73.4894% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 6.8256% | 250 |
| Noncurrent loans to loans | 2.4125% | 1,584 |
| Net loans and leases to total assets | 68.9755% | 2,180 |
| Net loans and leases to deposits | 83.5279% | 1,994 |
| Net loans and leases to core deposits | 86.2932% | 2,409 |
| Total domestic deposits to total assets | 82.5778% | 4,689 |
| Equity capital to assets | 11.1381% | 2,489 |
| Core capital (leverage) ratio | 11.1403% | 2,247 |
| Tier 1 risk-based capital ratio | 14.8404% | 3,758 |
| Total risk-based capital ratio | 16.0954% | 3,703 |
| Memoranda: | ||
| Average total assets | $599,789,200 | 1,113 |
| Average earning assets | $522,964,400 | 1,159 |
| Average equity | $66,004,600 | 1,088 |
| Average total loans | $410,188,400 | 1,038 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 2,891 |
| Cost of funding earning assets | 0.4418% | 4,365 |
| Net interest margin | 3.8830% | 2,335 |
| Noninterest income to average assets | 1.4329% | 720 |
| Noninterest expense to average assets | 4.1277% | 742 |
| Loan and lease loss provision to assets | 0.2712% | 1,295 |
| Net operating income to assets | 0.4218% | 5,153 |
| Return on assets (ROA) | 0.4497% | 5,166 |
| Pretax return on assets | 0.4479% | 5,504 |
| Return on Equity (ROE) | 4.0982% | 5,175 |
| Retained earnings to average equity (ytd only) | 1.8483% | 5,214 |
| Net charge-offs to loans | 1.0040% | 565 |
| Credit loss provision to net charge-offs | 39.7598% | 3,707 |
| Earnings coverage of net charge-offs (x) | 1.0133% | 4,505 |
| Efficiency ratio | 85.6565% | 1,395 |
| Assets per employee ($millions) | 3.4286% | 4,993 |
| Cash dividends to net income (ytd only)* | 54.8991% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 2,287 |
| Loan loss allowance to noncurrent loans | 70.1246% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 6.5923% | 323 |
| Noncurrent loans to loans | 2.5739% | 1,662 |
| Net loans and leases to total assets | 64.6547% | 2,890 |
| Net loans and leases to deposits | 78.1938% | 2,632 |
| Net loans and leases to core deposits | 81.0746% | 2,995 |
| Total domestic deposits to total assets | 82.6852% | 4,690 |
| Equity capital to assets | 10.5726% | 3,194 |
| Core capital (leverage) ratio | 11.0445% | 2,437 |
| Tier 1 risk-based capital ratio | 14.8402% | 3,849 |
| Total risk-based capital ratio | 16.0957% | 3,806 |
| Memoranda: | ||
| Average total assets | $602,224,750 | 1,114 |
| Average earning assets | $525,147,250 | 1,166 |
| Average equity | $66,075,750 | 1,098 |
| Average total loans | $409,152,000 | 1,043 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3862% | 2,623 |
| Cost of funding earning assets | 0.4601% | 4,310 |
| Net interest margin | 3.9261% | 2,128 |
| Noninterest income to average assets | 1.5551% | 655 |
| Noninterest expense to average assets | 4.2774% | 639 |
| Loan and lease loss provision to assets | 0.3305% | 1,040 |
| Net operating income to assets | 0.3744% | 5,311 |
| Return on assets (ROA) | 0.4167% | 5,311 |
| Pretax return on assets | 0.4167% | 5,602 |
| Return on Equity (ROE) | 3.7505% | 5,312 |
| Retained earnings to average equity (ytd only) | 0.3805% | 5,743 |
| Net charge-offs to loans | 1.1037% | 541 |
| Credit loss provision to net charge-offs | 43.6034% | 3,348 |
| Earnings coverage of net charge-offs (x) | 0.9301% | 4,218 |
| Efficiency ratio | 85.8519% | 1,425 |
| Assets per employee ($millions) | 3.1770% | 5,534 |
| Cash dividends to net income (ytd only)* | 89.8551% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9639% | 1,934 |
| Loan loss allowance to noncurrent loans | 74.2119% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 6.6591% | 358 |
| Noncurrent loans to loans | 2.6464% | 1,730 |
| Net loans and leases to total assets | 67.2161% | 2,378 |
| Net loans and leases to deposits | 80.4984% | 2,255 |
| Net loans and leases to core deposits | 83.1962% | 2,668 |
| Total domestic deposits to total assets | 83.4999% | 4,507 |
| Equity capital to assets | 11.0143% | 2,735 |
| Core capital (leverage) ratio | 11.0424% | 2,314 |
| Tier 1 risk-based capital ratio | 14.8606% | 3,868 |
| Total risk-based capital ratio | 16.1178% | 3,830 |
| Memoranda: | ||
| Average total assets | $596,110,000 | 1,123 |
| Average earning assets | $520,361,000 | 1,182 |
| Average equity | $66,231,000 | 1,096 |
| Average total loans | $409,335,330 | 1,035 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3433% | 2,720 |
| Cost of funding earning assets | 0.4740% | 4,336 |
| Net interest margin | 3.8693% | 2,219 |
| Noninterest income to average assets | 1.5841% | 616 |
| Noninterest expense to average assets | 4.2512% | 662 |
| Loan and lease loss provision to assets | 0.3574% | 906 |
| Net operating income to assets | 0.3621% | 5,297 |
| Return on assets (ROA) | 0.4463% | 5,088 |
| Pretax return on assets | 0.4463% | 5,427 |
| Return on Equity (ROE) | 3.9998% | 5,091 |
| Retained earnings to average equity (ytd only) | -1.5089% | 6,026 |
| Net charge-offs to loans | 0.6796% | 903 |
| Credit loss provision to net charge-offs | 76.5379% | 2,207 |
| Earnings coverage of net charge-offs (x) | 1.5408% | 3,317 |
| Efficiency ratio | 85.5242% | 1,577 |
| Assets per employee ($millions) | 3.3603% | 5,307 |
| Cash dividends to net income (ytd only)* | 137.7246% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2450% | 1,497 |
| Loan loss allowance to noncurrent loans | 62.6088% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 7.4867% | 361 |
| Noncurrent loans to loans | 3.5857% | 1,331 |
| Net loans and leases to total assets | 66.0085% | 2,370 |
| Net loans and leases to deposits | 78.3012% | 2,299 |
| Net loans and leases to core deposits | 81.9986% | 2,569 |
| Total domestic deposits to total assets | 84.3007% | 4,357 |
| Equity capital to assets | 11.1051% | 2,838 |
| Core capital (leverage) ratio | 10.8943% | 2,360 |
| Tier 1 risk-based capital ratio | 14.7410% | 4,003 |
| Total risk-based capital ratio | 16.0012% | 3,963 |
| Memoranda: | ||
| Average total assets | $598,703,000 | 1,129 |
| Average earning assets | $524,025,000 | 1,181 |
| Average equity | $66,803,500 | 1,097 |
| Average total loans | $411,426,500 | 1,037 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 3,156 |
| Cost of funding earning assets | 0.6153% | 4,217 |
| Net interest margin | 3.9483% | 2,612 |
| Noninterest income to average assets | 1.2453% | 1,003 |
| Noninterest expense to average assets | 3.9305% | 1,064 |
| Loan and lease loss provision to assets | 0.4449% | 1,420 |
| Net operating income to assets | 0.3241% | 5,385 |
| Return on assets (ROA) | 0.3584% | 5,485 |
| Pretax return on assets | 0.3584% | 5,689 |
| Return on Equity (ROE) | 3.2388% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.7736% | 4,289 |
| Net charge-offs to loans | 0.7202% | 1,631 |
| Credit loss provision to net charge-offs | 89.7781% | 3,483 |
| Earnings coverage of net charge-offs (x) | 1.5518% | 4,666 |
| Efficiency ratio | 83.6382% | 1,671 |
| Assets per employee ($millions) | 3.4050% | 5,200 |
| Cash dividends to net income (ytd only)* | 14.3654% | 3,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2033% | 1,545 |
| Loan loss allowance to noncurrent loans | 44.2394% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 7.9391% | 350 |
| Noncurrent loans to loans | 4.9803% | 805 |
| Net loans and leases to total assets | 68.3722% | 2,129 |
| Net loans and leases to deposits | 81.2358% | 2,121 |
| Net loans and leases to core deposits | 85.2548% | 2,401 |
| Total domestic deposits to total assets | 84.1651% | 4,245 |
| Equity capital to assets | 11.2108% | 2,720 |
| Core capital (leverage) ratio | 10.7524% | 2,492 |
| Tier 1 risk-based capital ratio | 14.5538% | 3,990 |
| Total risk-based capital ratio | 15.8138% | 3,945 |
| Memoranda: | ||
| Average total assets | $600,197,400 | 1,108 |
| Average earning assets | $525,083,000 | 1,148 |
| Average equity | $66,412,800 | 1,066 |
| Average total loans | $412,930,600 | 1,010 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5658% | 3,355 |
| Cost of funding earning assets | 0.6368% | 4,299 |
| Net interest margin | 3.9290% | 2,809 |
| Noninterest income to average assets | 1.1432% | 1,162 |
| Noninterest expense to average assets | 3.9204% | 1,040 |
| Loan and lease loss provision to assets | 0.3777% | 1,706 |
| Net operating income to assets | 0.2800% | 5,680 |
| Return on assets (ROA) | 0.3258% | 5,725 |
| Pretax return on assets | 0.3258% | 5,905 |
| Return on Equity (ROE) | 2.9537% | 5,696 |
| Retained earnings to average equity (ytd only) | 2.8228% | 4,858 |
| Net charge-offs to loans | 0.5464% | 1,964 |
| Credit loss provision to net charge-offs | 100.8897% | 2,929 |
| Earnings coverage of net charge-offs (x) | 1.7568% | 4,390 |
| Efficiency ratio | 85.6332% | 1,415 |
| Assets per employee ($millions) | 3.6017% | 4,751 |
| Cash dividends to net income (ytd only)* | 4.4306% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2854% | 1,548 |
| Loan loss allowance to noncurrent loans | 39.6348% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 8.1312% | 374 |
| Noncurrent loans to loans | 5.7662% | 728 |
| Net loans and leases to total assets | 66.2966% | 2,599 |
| Net loans and leases to deposits | 78.3802% | 2,611 |
| Net loans and leases to core deposits | 82.3928% | 2,904 |
| Total domestic deposits to total assets | 84.5834% | 3,939 |
| Equity capital to assets | 10.8922% | 3,388 |
| Core capital (leverage) ratio | 10.7854% | 2,623 |
| Tier 1 risk-based capital ratio | 14.4359% | 4,229 |
| Total risk-based capital ratio | 15.6967% | 4,191 |
| Memoranda: | ||
| Average total assets | $600,427,500 | 1,115 |
| Average earning assets | $524,937,750 | 1,163 |
| Average equity | $66,220,000 | 1,072 |
| Average total loans | $411,420,750 | 1,024 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 3,281 |
| Cost of funding earning assets | 0.6562% | 4,388 |
| Net interest margin | 3.9620% | 2,672 |
| Noninterest income to average assets | 0.9535% | 1,603 |
| Noninterest expense to average assets | 3.7707% | 1,263 |
| Loan and lease loss provision to assets | 0.4707% | 1,358 |
| Net operating income to assets | 0.1666% | 6,009 |
| Return on assets (ROA) | 0.2359% | 5,996 |
| Pretax return on assets | 0.2359% | 6,087 |
| Return on Equity (ROE) | 2.1295% | 6,002 |
| Retained earnings to average equity (ytd only) | 2.1295% | 5,129 |
| Net charge-offs to loans | 0.4686% | 2,189 |
| Credit loss provision to net charge-offs | 146.0897% | 1,896 |
| Earnings coverage of net charge-offs (x) | 1.9781% | 3,988 |
| Efficiency ratio | 85.5412% | 1,479 |
| Assets per employee ($millions) | 3.3834% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4210% | 1,383 |
| Loan loss allowance to noncurrent loans | 39.8379% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 8.1981% | 411 |
| Noncurrent loans to loans | 6.0770% | 719 |
| Net loans and leases to total assets | 67.1499% | 2,439 |
| Net loans and leases to deposits | 80.2145% | 2,352 |
| Net loans and leases to core deposits | 84.4563% | 2,633 |
| Total domestic deposits to total assets | 83.7130% | 4,434 |
| Equity capital to assets | 11.0564% | 3,054 |
| Core capital (leverage) ratio | 10.6766% | 2,632 |
| Tier 1 risk-based capital ratio | 14.4633% | 4,127 |
| Total risk-based capital ratio | 15.7255% | 4,083 |
| Memoranda: | ||
| Average total assets | $595,274,000 | 1,122 |
| Average earning assets | $519,036,670 | 1,180 |
| Average equity | $65,932,000 | 1,065 |
| Average total loans | $409,273,330 | 1,026 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 3,559 |
| Cost of funding earning assets | 0.6790% | 4,475 |
| Net interest margin | 3.9093% | 2,886 |
| Noninterest income to average assets | 0.9699% | 1,509 |
| Noninterest expense to average assets | 3.6153% | 1,535 |
| Loan and lease loss provision to assets | 0.5062% | 1,198 |
| Net operating income to assets | 0.2514% | 5,816 |
| Return on assets (ROA) | 0.2514% | 5,967 |
| Pretax return on assets | 0.2514% | 6,081 |
| Return on Equity (ROE) | 2.2678% | 5,980 |
| Retained earnings to average equity (ytd only) | 2.2678% | 5,121 |
| Net charge-offs to loans | 0.3776% | 2,173 |
| Credit loss provision to net charge-offs | 195.0649% | 1,365 |
| Earnings coverage of net charge-offs (x) | 2.9195% | 3,015 |
| Efficiency ratio | 82.6757% | 1,848 |
| Assets per employee ($millions) | 3.4468% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3934% | 1,518 |
| Loan loss allowance to noncurrent loans | 40.3053% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 8.7570% | 411 |
| Noncurrent loans to loans | 5.9381% | 846 |
| Net loans and leases to total assets | 68.1089% | 2,094 |
| Net loans and leases to deposits | 81.7044% | 1,974 |
| Net loans and leases to core deposits | 85.9669% | 2,295 |
| Total domestic deposits to total assets | 83.3601% | 4,784 |
| Equity capital to assets | 11.1347% | 2,771 |
| Core capital (leverage) ratio | 10.8197% | 2,425 |
| Tier 1 risk-based capital ratio | 14.2762% | 4,260 |
| Total risk-based capital ratio | 15.5381% | 4,222 |
| Memoranda: | ||
| Average total assets | $593,482,500 | 1,129 |
| Average earning assets | $516,617,000 | 1,185 |
| Average equity | $65,792,000 | 1,068 |
| Average total loans | $407,855,500 | 1,028 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5567% | 4,849 |
| Cost of funding earning assets | 0.8852% | 4,218 |
| Net interest margin | 3.6715% | 4,424 |
| Noninterest income to average assets | 0.7010% | 2,596 |
| Noninterest expense to average assets | 3.4937% | 1,994 |
| Loan and lease loss provision to assets | 0.3240% | 3,092 |
| Net operating income to assets | 0.0750% | 5,911 |
| Return on assets (ROA) | 0.1767% | 5,795 |
| Pretax return on assets | 0.1756% | 5,842 |
| Return on Equity (ROE) | 1.6870% | 5,779 |
| Retained earnings to average equity (ytd only) | 1.0023% | 5,395 |
| Net charge-offs to loans | 1.1590% | 1,465 |
| Credit loss provision to net charge-offs | 42.3117% | 5,590 |
| Earnings coverage of net charge-offs (x) | 0.5195% | 5,439 |
| Efficiency ratio | 89.7767% | 1,210 |
| Assets per employee ($millions) | 3.5576% | 4,876 |
| Cash dividends to net income (ytd only)* | 40.5850% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3717% | 1,506 |
| Loan loss allowance to noncurrent loans | 44.6730% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 8.2693% | 470 |
| Noncurrent loans to loans | 5.3091% | 1,019 |
| Net loans and leases to total assets | 66.0632% | 2,771 |
| Net loans and leases to deposits | 78.7464% | 2,720 |
| Net loans and leases to core deposits | 83.2316% | 2,992 |
| Total domestic deposits to total assets | 83.8937% | 4,359 |
| Equity capital to assets | 11.0369% | 2,947 |
| Core capital (leverage) ratio | 10.5418% | 2,672 |
| Tier 1 risk-based capital ratio | 14.4613% | 3,998 |
| Total risk-based capital ratio | 15.7238% | 3,971 |
| Memoranda: | ||
| Average total assets | $619,079,000 | 1,051 |
| Average earning assets | $537,977,200 | 1,110 |
| Average equity | $64,849,800 | 1,041 |
| Average total loans | $409,054,000 | 1,029 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 5,155 |
| Cost of funding earning assets | 0.9205% | 4,270 |
| Net interest margin | 3.6111% | 4,721 |
| Noninterest income to average assets | 0.7478% | 2,326 |
| Noninterest expense to average assets | 3.4535% | 2,065 |
| Loan and lease loss provision to assets | 0.4066% | 2,426 |
| Net operating income to assets | 0.0288% | 6,117 |
| Return on assets (ROA) | 0.1633% | 5,921 |
| Pretax return on assets | 0.1620% | 5,973 |
| Return on Equity (ROE) | 1.5793% | 5,913 |
| Retained earnings to average equity (ytd only) | 1.1669% | 5,545 |
| Net charge-offs to loans | 1.5484% | 926 |
| Credit loss provision to net charge-offs | 39.9707% | 5,245 |
| Earnings coverage of net charge-offs (x) | 0.4267% | 5,303 |
| Efficiency ratio | 88.8334% | 1,263 |
| Assets per employee ($millions) | 3.7580% | 4,388 |
| Cash dividends to net income (ytd only)* | 26.1096% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3197% | 1,658 |
| Loan loss allowance to noncurrent loans | 45.5585% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 7.6877% | 602 |
| Noncurrent loans to loans | 5.0917% | 1,209 |
| Net loans and leases to total assets | 62.7352% | 3,562 |
| Net loans and leases to deposits | 74.3601% | 3,606 |
| Net loans and leases to core deposits | 79.8181% | 3,666 |
| Total domestic deposits to total assets | 84.3668% | 4,069 |
| Equity capital to assets | 10.3301% | 3,922 |
| Core capital (leverage) ratio | 10.7197% | 2,644 |
| Tier 1 risk-based capital ratio | 14.3187% | 4,118 |
| Total risk-based capital ratio | 15.5794% | 4,067 |
| Memoranda: | ||
| Average total assets | $625,320,250 | 1,048 |
| Average earning assets | $543,723,500 | 1,103 |
| Average equity | $64,669,250 | 1,048 |
| Average total loans | $410,811,000 | 1,034 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 5,107 |
| Cost of funding earning assets | 0.9794% | 4,096 |
| Net interest margin | 3.5885% | 4,761 |
| Noninterest income to average assets | 0.7037% | 2,532 |
| Noninterest expense to average assets | 3.4012% | 2,255 |
| Loan and lease loss provision to assets | 0.4813% | 2,051 |
| Net operating income to assets | -0.0520% | 6,301 |
| Return on assets (ROA) | 0.0687% | 6,163 |
| Pretax return on assets | 0.0667% | 6,157 |
| Return on Equity (ROE) | 0.6637% | 6,153 |
| Retained earnings to average equity (ytd only) | 0.0434% | 5,817 |
| Net charge-offs to loans | 1.8706% | 727 |
| Credit loss provision to net charge-offs | 38.8702% | 4,836 |
| Earnings coverage of net charge-offs (x) | 0.3452% | 5,055 |
| Efficiency ratio | 88.8367% | 1,339 |
| Assets per employee ($millions) | 3.4251% | 5,138 |
| Cash dividends to net income (ytd only)* | 93.4579% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4724% | 1,485 |
| Loan loss allowance to noncurrent loans | 45.8736% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 8.1594% | 556 |
| Noncurrent loans to loans | 5.3896% | 1,179 |
| Net loans and leases to total assets | 65.9784% | 3,036 |
| Net loans and leases to deposits | 78.9602% | 2,973 |
| Net loans and leases to core deposits | 86.9449% | 2,772 |
| Total domestic deposits to total assets | 83.5590% | 4,523 |
| Equity capital to assets | 10.8291% | 3,153 |
| Core capital (leverage) ratio | 10.3077% | 2,926 |
| Tier 1 risk-based capital ratio | 14.4161% | 3,854 |
| Total risk-based capital ratio | 15.6788% | 3,814 |
| Memoranda: | ||
| Average total assets | $623,310,330 | 1,061 |
| Average earning assets | $542,789,670 | 1,114 |
| Average equity | $64,486,000 | 1,048 |
| Average total loans | $412,586,330 | 1,036 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4851% | 5,386 |
| Cost of funding earning assets | 1.0120% | 4,111 |
| Net interest margin | 3.4731% | 5,131 |
| Noninterest income to average assets | 0.8430% | 1,879 |
| Noninterest expense to average assets | 3.3537% | 2,397 |
| Loan and lease loss provision to assets | 0.4716% | 1,862 |
| Net operating income to assets | 0.0777% | 6,150 |
| Return on assets (ROA) | 0.0777% | 6,205 |
| Pretax return on assets | 0.0739% | 6,227 |
| Return on Equity (ROE) | 0.7673% | 6,199 |
| Retained earnings to average equity (ytd only) | 0.7673% | 5,518 |
| Net charge-offs to loans | 1.5084% | 902 |
| Credit loss provision to net charge-offs | 47.7186% | 3,805 |
| Earnings coverage of net charge-offs (x) | 0.5520% | 4,207 |
| Efficiency ratio | 86.0103% | 1,713 |
| Assets per employee ($millions) | 3.5135% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8021% | 1,110 |
| Loan loss allowance to noncurrent loans | 47.6418% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 8.3930% | 543 |
| Noncurrent loans to loans | 5.8816% | 1,093 |
| Net loans and leases to total assets | 64.9384% | 3,256 |
| Net loans and leases to deposits | 78.1174% | 3,042 |
| Net loans and leases to core deposits | 87.3794% | 2,684 |
| Total domestic deposits to total assets | 83.1292% | 4,877 |
| Equity capital to assets | 10.5952% | 3,084 |
| Core capital (leverage) ratio | 9.5230% | 3,770 |
| Tier 1 risk-based capital ratio | 14.1924% | 3,941 |
| Total risk-based capital ratio | 15.4587% | 3,902 |
| Memoranda: | ||
| Average total assets | $638,693,500 | 1,042 |
| Average earning assets | $562,034,500 | 1,087 |
| Average equity | $64,645,500 | 1,036 |
| Average total loans | $418,448,500 | 1,034 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 6,462 |
| Cost of funding earning assets | 1.2029% | 4,549 |
| Net interest margin | 3.2686% | 6,074 |
| Noninterest income to average assets | 1.1038% | 1,219 |
| Noninterest expense to average assets | 3.2592% | 2,873 |
| Loan and lease loss provision to assets | 0.6812% | 2,420 |
| Net operating income to assets | 0.1131% | 5,556 |
| Return on assets (ROA) | 0.2077% | 5,418 |
| Pretax return on assets | 0.2077% | 5,475 |
| Return on Equity (ROE) | 2.2442% | 5,281 |
| Retained earnings to average equity (ytd only) | 2.2442% | 4,310 |
| Net charge-offs to loans | 2.3835% | 800 |
| Credit loss provision to net charge-offs | 44.3169% | 6,333 |
| Earnings coverage of net charge-offs (x) | 0.5168% | 5,600 |
| Efficiency ratio | 80.4043% | 2,363 |
| Assets per employee ($millions) | 3.8060% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8638% | 992 |
| Loan loss allowance to noncurrent loans | 46.9989% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 7.6517% | 670 |
| Noncurrent loans to loans | 6.0933% | 1,011 |
| Net loans and leases to total assets | 62.4862% | 4,175 |
| Net loans and leases to deposits | 74.7495% | 4,073 |
| Net loans and leases to core deposits | 83.2758% | 3,707 |
| Total domestic deposits to total assets | 83.5941% | 4,560 |
| Equity capital to assets | 9.6867% | 4,156 |
| Core capital (leverage) ratio | 9.3489% | 3,931 |
| Tier 1 risk-based capital ratio | 13.6277% | 4,112 |
| Total risk-based capital ratio | 14.8949% | 4,069 |
| Memoranda: | ||
| Average total assets | $702,862,400 | 950 |
| Average earning assets | $634,307,600 | 951 |
| Average equity | $65,055,200 | 1,030 |
| Average total loans | $453,278,400 | 997 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 6,664 |
| Cost of funding earning assets | 1.2334% | 4,669 |
| Net interest margin | 3.2398% | 6,206 |
| Noninterest income to average assets | 1.0160% | 1,424 |
| Noninterest expense to average assets | 3.0908% | 3,375 |
| Loan and lease loss provision to assets | 0.7325% | 2,089 |
| Net operating income to assets | 0.1275% | 5,698 |
| Return on assets (ROA) | 0.1968% | 5,677 |
| Pretax return on assets | 0.1968% | 5,739 |
| Return on Equity (ROE) | 2.1496% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.1496% | 4,888 |
| Net charge-offs to loans | 2.3043% | 775 |
| Credit loss provision to net charge-offs | 49.2633% | 5,897 |
| Earnings coverage of net charge-offs (x) | 0.5784% | 5,439 |
| Efficiency ratio | 78.2322% | 2,592 |
| Assets per employee ($millions) | 3.7231% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2641% | 662 |
| Loan loss allowance to noncurrent loans | 47.1945% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 7.6626% | 673 |
| Noncurrent loans to loans | 6.9163% | 824 |
| Net loans and leases to total assets | 63.0484% | 4,312 |
| Net loans and leases to deposits | 76.3729% | 4,113 |
| Net loans and leases to core deposits | 88.6247% | 3,297 |
| Total domestic deposits to total assets | 82.5534% | 4,773 |
| Equity capital to assets | 9.8842% | 4,313 |
| Core capital (leverage) ratio | 8.9257% | 4,815 |
| Tier 1 risk-based capital ratio | 13.3709% | 4,298 |
| Total risk-based capital ratio | 14.6431% | 4,245 |
| Memoranda: | ||
| Average total assets | $712,066,750 | 942 |
| Average earning assets | $645,046,000 | 946 |
| Average equity | $65,189,500 | 1,028 |
| Average total loans | $459,484,000 | 991 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4080% | 6,884 |
| Cost of funding earning assets | 1.2370% | 4,917 |
| Net interest margin | 3.1710% | 6,401 |
| Noninterest income to average assets | 0.9217% | 1,614 |
| Noninterest expense to average assets | 2.9178% | 4,009 |
| Loan and lease loss provision to assets | 0.9369% | 1,563 |
| Net operating income to assets | -0.0446% | 6,143 |
| Return on assets (ROA) | 0.0573% | 6,073 |
| Pretax return on assets | 0.0573% | 6,060 |
| Return on Equity (ROE) | 0.6416% | 6,049 |
| Retained earnings to average equity (ytd only) | 0.6416% | 5,508 |
| Net charge-offs to loans | 2.5243% | 678 |
| Credit loss provision to net charge-offs | 57.6930% | 5,263 |
| Earnings coverage of net charge-offs (x) | 0.5494% | 5,189 |
| Efficiency ratio | 76.5816% | 2,969 |
| Assets per employee ($millions) | 3.9077% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5145% | 532 |
| Loan loss allowance to noncurrent loans | 43.4168% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 7.2374% | 714 |
| Noncurrent loans to loans | 8.0947% | 638 |
| Net loans and leases to total assets | 60.6271% | 4,943 |
| Net loans and leases to deposits | 72.2747% | 4,955 |
| Net loans and leases to core deposits | 85.0636% | 3,987 |
| Total domestic deposits to total assets | 83.8843% | 4,156 |
| Equity capital to assets | 9.0561% | 5,358 |
| Core capital (leverage) ratio | 8.5944% | 5,243 |
| Tier 1 risk-based capital ratio | 13.0737% | 4,380 |
| Total risk-based capital ratio | 14.3496% | 4,317 |
| Memoranda: | ||
| Average total assets | $726,038,000 | 930 |
| Average earning assets | $661,295,330 | 936 |
| Average equity | $64,839,670 | 1,027 |
| Average total loans | $467,052,670 | 982 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 6,970 |
| Cost of funding earning assets | 1.2681% | 5,014 |
| Net interest margin | 3.1483% | 6,460 |
| Noninterest income to average assets | 1.0696% | 1,112 |
| Noninterest expense to average assets | 2.8068% | 4,458 |
| Loan and lease loss provision to assets | 1.0390% | 1,189 |
| Net operating income to assets | 0.1001% | 6,022 |
| Return on assets (ROA) | 0.2144% | 5,754 |
| Pretax return on assets | 0.2149% | 5,833 |
| Return on Equity (ROE) | 2.4168% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.4168% | 4,686 |
| Net charge-offs to loans | 3.3368% | 437 |
| Credit loss provision to net charge-offs | 47.8589% | 4,520 |
| Earnings coverage of net charge-offs (x) | 0.5249% | 4,566 |
| Efficiency ratio | 71.1237% | 4,097 |
| Assets per employee ($millions) | 4.1398% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4650% | 563 |
| Loan loss allowance to noncurrent loans | 40.1545% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 7.1345% | 747 |
| Noncurrent loans to loans | 8.6292% | 587 |
| Net loans and leases to total assets | 62.3598% | 4,685 |
| Net loans and leases to deposits | 74.2581% | 4,701 |
| Net loans and leases to core deposits | 88.1839% | 3,603 |
| Total domestic deposits to total assets | 83.9771% | 4,157 |
| Equity capital to assets | 8.9485% | 5,351 |
| Core capital (leverage) ratio | 8.5079% | 5,358 |
| Tier 1 risk-based capital ratio | 12.6100% | 4,637 |
| Total risk-based capital ratio | 13.8853% | 4,582 |
| Memoranda: | ||
| Average total assets | $731,503,000 | 943 |
| Average earning assets | $668,420,500 | 946 |
| Average equity | $64,879,000 | 1,029 |
| Average total loans | $475,908,500 | 990 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 6,787 |
| Cost of funding earning assets | 1.6978% | 4,525 |
| Net interest margin | 3.1705% | 6,183 |
| Noninterest income to average assets | 0.9696% | 1,670 |
| Noninterest expense to average assets | 2.6663% | 5,531 |
| Loan and lease loss provision to assets | 2.5496% | 775 |
| Net operating income to assets | -1.3321% | 6,783 |
| Return on assets (ROA) | -1.2628% | 6,748 |
| Pretax return on assets | -1.2673% | 6,582 |
| Return on Equity (ROE) | -15.2314% | 6,950 |
| Retained earnings to average equity (ytd only) | -15.7020% | 6,920 |
| Net charge-offs to loans | 1.8536% | 1,345 |
| Credit loss provision to net charge-offs | 205.4391% | 1,877 |
| Earnings coverage of net charge-offs (x) | 0.9774% | 5,137 |
| Efficiency ratio | 68.7320% | 4,874 |
| Assets per employee ($millions) | 4.0803% | 3,654 |
| Cash dividends to net income (ytd only)* | -3.0899% | 7,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7795% | 418 |
| Loan loss allowance to noncurrent loans | 43.5578% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 6.8492% | 746 |
| Noncurrent loans to loans | 8.6769% | 542 |
| Net loans and leases to total assets | 63.0351% | 4,797 |
| Net loans and leases to deposits | 74.7416% | 4,917 |
| Net loans and leases to core deposits | 95.0340% | 4,564 |
| Total domestic deposits to total assets | 84.3374% | 3,871 |
| Equity capital to assets | 8.7915% | 5,456 |
| Core capital (leverage) ratio | 7.8824% | 6,340 |
| Tier 1 risk-based capital ratio | 12.1599% | 4,811 |
| Total risk-based capital ratio | 13.4392% | 4,742 |
| Memoranda: | ||
| Average total assets | $768,864,600 | 892 |
| Average earning assets | $705,608,800 | 886 |
| Average equity | $63,743,400 | 1,040 |
| Average total loans | $514,769,600 | 928 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 6,824 |
| Cost of funding earning assets | 1.7762% | 4,498 |
| Net interest margin | 3.1489% | 6,180 |
| Noninterest income to average assets | 0.9357% | 1,835 |
| Noninterest expense to average assets | 2.5693% | 5,828 |
| Loan and lease loss provision to assets | 3.0391% | 476 |
| Net operating income to assets | -1.7756% | 7,227 |
| Return on assets (ROA) | -1.7024% | 7,190 |
| Pretax return on assets | -1.7086% | 7,051 |
| Return on Equity (ROE) | -20.8337% | 7,404 |
| Retained earnings to average equity (ytd only) | -21.4641% | 7,393 |
| Net charge-offs to loans | 2.1348% | 906 |
| Credit loss provision to net charge-offs | 211.5467% | 2,077 |
| Earnings coverage of net charge-offs (x) | 0.8752% | 5,185 |
| Efficiency ratio | 67.1423% | 5,154 |
| Assets per employee ($millions) | 4.4277% | 2,979 |
| Cash dividends to net income (ytd only)* | -3.0260% | 7,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5190% | 412 |
| Loan loss allowance to noncurrent loans | 49.7028% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 5.5159% | 1,033 |
| Noncurrent loans to loans | 7.0800% | 758 |
| Net loans and leases to total assets | 60.3984% | 5,523 |
| Net loans and leases to deposits | 71.4892% | 5,738 |
| Net loans and leases to core deposits | 96.8325% | 4,725 |
| Total domestic deposits to total assets | 84.4861% | 3,483 |
| Equity capital to assets | 8.1765% | 6,667 |
| Core capital (leverage) ratio | 7.7848% | 6,625 |
| Tier 1 risk-based capital ratio | 11.6695% | 5,271 |
| Total risk-based capital ratio | 12.9454% | 5,197 |
| Memoranda: | ||
| Average total assets | $776,445,500 | 894 |
| Average earning assets | $712,829,000 | 889 |
| Average equity | $63,447,000 | 1,056 |
| Average total loans | $522,505,500 | 928 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1212% | 6,346 |
| Cost of funding earning assets | 1.8714% | 4,413 |
| Net interest margin | 3.2497% | 5,738 |
| Noninterest income to average assets | 0.9135% | 1,928 |
| Noninterest expense to average assets | 2.5273% | 6,029 |
| Loan and lease loss provision to assets | 1.2339% | 1,396 |
| Net operating income to assets | 0.1416% | 5,447 |
| Return on assets (ROA) | 0.2336% | 5,232 |
| Pretax return on assets | 0.2240% | 5,399 |
| Return on Equity (ROE) | 2.8597% | 4,955 |
| Retained earnings to average equity (ytd only) | 1.9054% | 4,285 |
| Net charge-offs to loans | 0.8915% | 1,916 |
| Credit loss provision to net charge-offs | 200.8460% | 2,262 |
| Earnings coverage of net charge-offs (x) | 2.2234% | 3,955 |
| Efficiency ratio | 64.9156% | 5,737 |
| Assets per employee ($millions) | 4.5485% | 2,696 |
| Cash dividends to net income (ytd only)* | 33.3704% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0361% | 1,502 |
| Loan loss allowance to noncurrent loans | 47.1618% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 3.5657% | 1,747 |
| Noncurrent loans to loans | 4.3173% | 1,512 |
| Net loans and leases to total assets | 63.4070% | 5,099 |
| Net loans and leases to deposits | 74.6728% | 5,353 |
| Net loans and leases to core deposits | 109.9222% | 3,379 |
| Total domestic deposits to total assets | 84.9131% | 3,307 |
| Equity capital to assets | 7.7596% | 7,022 |
| Core capital (leverage) ratio | 7.9134% | 6,469 |
| Tier 1 risk-based capital ratio | 11.1517% | 5,728 |
| Total risk-based capital ratio | 12.4100% | 5,635 |
| Memoranda: | ||
| Average total assets | $769,598,000 | 914 |
| Average earning assets | $705,657,000 | 910 |
| Average equity | $62,874,000 | 1,085 |
| Average total loans | $530,365,670 | 933 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3566% | 5,632 |
| Cost of funding earning assets | 1.9931% | 4,166 |
| Net interest margin | 3.3635% | 5,274 |
| Noninterest income to average assets | 0.8725% | 1,971 |
| Noninterest expense to average assets | 2.3685% | 6,301 |
| Loan and lease loss provision to assets | 1.2742% | 1,003 |
| Net operating income to assets | 0.3096% | 5,264 |
| Return on assets (ROA) | 0.3910% | 5,070 |
| Pretax return on assets | 0.3916% | 5,423 |
| Return on Equity (ROE) | 4.6611% | 4,631 |
| Retained earnings to average equity (ytd only) | 4.6611% | 3,332 |
| Net charge-offs to loans | 0.5391% | 2,103 |
| Credit loss provision to net charge-offs | 332.1775% | 1,503 |
| Earnings coverage of net charge-offs (x) | 4.1304% | 2,968 |
| Efficiency ratio | 59.9192% | 6,419 |
| Assets per employee ($millions) | 4.1584% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8557% | 1,727 |
| Loan loss allowance to noncurrent loans | 58.4115% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 2.3682% | 2,418 |
| Noncurrent loans to loans | 3.1770% | 2,039 |
| Net loans and leases to total assets | 70.3343% | 3,601 |
| Net loans and leases to deposits | 84.3597% | 3,920 |
| Net loans and leases to core deposits | 125.7520% | 1,934 |
| Total domestic deposits to total assets | 83.3743% | 3,962 |
| Equity capital to assets | 8.6386% | 5,859 |
| Core capital (leverage) ratio | 8.2308% | 6,036 |
| Tier 1 risk-based capital ratio | 11.0684% | 5,837 |
| Total risk-based capital ratio | 12.3166% | 5,748 |
| Memoranda: | ||
| Average total assets | $751,855,000 | 929 |
| Average earning assets | $688,576,500 | 929 |
| Average equity | $63,075,500 | 1,076 |
| Average total loans | $535,003,500 | 934 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9093% | 5,994 |
| Cost of funding earning assets | 2.7145% | 3,094 |
| Net interest margin | 3.1948% | 6,386 |
| Noninterest income to average assets | 0.8872% | 2,014 |
| Noninterest expense to average assets | 2.5396% | 5,857 |
| Loan and lease loss provision to assets | 0.5460% | 2,635 |
| Net operating income to assets | 0.7303% | 3,754 |
| Return on assets (ROA) | 0.5136% | 4,519 |
| Pretax return on assets | 0.5142% | 4,936 |
| Return on Equity (ROE) | 6.1498% | 3,886 |
| Retained earnings to average equity (ytd only) | 1.6384% | 4,228 |
| Net charge-offs to loans | 0.2079% | 4,123 |
| Credit loss provision to net charge-offs | 373.5919% | 1,182 |
| Earnings coverage of net charge-offs (x) | 8.7368% | 2,827 |
| Efficiency ratio | 66.5429% | 5,015 |
| Assets per employee ($millions) | 4.3894% | 2,811 |
| Cash dividends to net income (ytd only)* | 73.3579% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 2,530 |
| Loan loss allowance to noncurrent loans | 53.4403% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 2.1610% | 2,265 |
| Noncurrent loans to loans | 2.8684% | 1,884 |
| Net loans and leases to total assets | 69.5783% | 4,122 |
| Net loans and leases to deposits | 85.3013% | 4,211 |
| Net loans and leases to core deposits | 127.5905% | 2,033 |
| Total domestic deposits to total assets | 81.5677% | 4,380 |
| Equity capital to assets | 8.1450% | 6,637 |
| Core capital (leverage) ratio | 8.0785% | 6,359 |
| Tier 1 risk-based capital ratio | 10.8178% | 5,890 |
| Total risk-based capital ratio | 12.0691% | 5,796 |
| Memoranda: | ||
| Average total assets | $741,018,200 | 906 |
| Average earning assets | $679,450,400 | 897 |
| Average equity | $61,888,200 | 1,084 |
| Average total loans | $521,046,800 | 911 |