Home > HomeTown Bank > Performance and Condition Ratios
HomeTown 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 | 4.2535% | 3,518 |
| Cost of funding earning assets | 1.5817% | 1,739 |
| Net interest margin | 2.6717% | 3,859 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.0434% | 3,526 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.5822% | 3,486 |
| Return on assets (ROA) | 0.5756% | 3,491 |
| Pretax return on assets | 0.6657% | 3,506 |
| Return on Equity (ROE) | 7.6000% | 3,127 |
| Retained earnings to average equity (ytd only) | 4.3269% | 2,856 |
| Net charge-offs to loans | 0.1398% | 723 |
| Credit loss provision to net charge-offs | 113.1469% | 1,735 |
| Earnings coverage of net charge-offs (x) | 9.6783% | 2,277 |
| Efficiency ratio | 72.8222% | 1,575 |
| Assets per employee ($millions) | 7.9398% | 1,469 |
| Cash dividends to net income (ytd only)* | 43.0978% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 2,404 |
| Loan loss allowance to noncurrent loans | 686.6883% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 2,781 |
| Noncurrent loans to loans | 0.1719% | 2,659 |
| Net loans and leases to total assets | 58.1900% | 3,021 |
| Net loans and leases to deposits | 67.1150% | 3,097 |
| Net loans and leases to core deposits | 79.3040% | 2,751 |
| Total domestic deposits to total assets | 86.7000% | 1,788 |
| Equity capital to assets | 8.1548% | 3,307 |
| Core capital (leverage) ratio | 10.7055% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9470% | 929 |
| Memoranda: | ||
| Average total assets | $907,419,200 | 1,073 |
| Average earning assets | $867,524,600 | 1,037 |
| Average equity | $68,687,000 | 1,268 |
| Average total loans | $511,542,200 | 1,207 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 3,621 |
| Cost of funding earning assets | 1.3932% | 1,889 |
| Net interest margin | 2.7294% | 3,841 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.1225% | 3,294 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.5997% | 3,543 |
| Return on assets (ROA) | 0.5909% | 3,551 |
| Pretax return on assets | 0.6843% | 3,582 |
| Return on Equity (ROE) | 7.9600% | 3,196 |
| Retained earnings to average equity (ytd only) | 6.9358% | 2,309 |
| Net charge-offs to loans | 0.0597% | 1,074 |
| Credit loss provision to net charge-offs | 136.7257% | 1,375 |
| Earnings coverage of net charge-offs (x) | 22.2522% | 1,762 |
| Efficiency ratio | 74.1466% | 1,347 |
| Assets per employee ($millions) | 8.2882% | 1,214 |
| Cash dividends to net income (ytd only)* | 12.8767% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,384 |
| Loan loss allowance to noncurrent loans | 668.1435% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 2,785 |
| Noncurrent loans to loans | 0.1792% | 2,651 |
| Net loans and leases to total assets | 57.8700% | 3,039 |
| Net loans and leases to deposits | 65.5689% | 3,165 |
| Net loans and leases to core deposits | 77.2210% | 2,782 |
| Total domestic deposits to total assets | 88.2600% | 1,491 |
| Equity capital to assets | 7.1203% | 3,556 |
| Core capital (leverage) ratio | 10.9425% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1340% | 933 |
| Memoranda: | ||
| Average total assets | $906,005,500 | 1,081 |
| Average earning assets | $865,818,000 | 1,038 |
| Average equity | $67,244,000 | 1,277 |
| Average total loans | $505,009,750 | 1,216 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9967% | 3,698 |
| Cost of funding earning assets | 1.3060% | 1,693 |
| Net interest margin | 2.6908% | 3,987 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.0309% | 3,519 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.6321% | 3,502 |
| Return on assets (ROA) | 0.6188% | 3,539 |
| Pretax return on assets | 0.7165% | 3,569 |
| Return on Equity (ROE) | 8.2300% | 3,177 |
| Retained earnings to average equity (ytd only) | 6.7110% | 2,374 |
| Net charge-offs to loans | 0.0893% | 731 |
| Credit loss provision to net charge-offs | 139.1892% | 1,244 |
| Earnings coverage of net charge-offs (x) | 16.3423% | 1,831 |
| Efficiency ratio | 71.7379% | 1,587 |
| Assets per employee ($millions) | 7.9171% | 1,357 |
| Cash dividends to net income (ytd only)* | 18.4248% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,216 |
| Loan loss allowance to noncurrent loans | 1,171.5342% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 3,052 |
| Noncurrent loans to loans | 0.1060% | 2,956 |
| Net loans and leases to total assets | 55.8300% | 3,135 |
| Net loans and leases to deposits | 63.7127% | 3,212 |
| Net loans and leases to core deposits | 74.6776% | 2,846 |
| Total domestic deposits to total assets | 87.6300% | 1,733 |
| Equity capital to assets | 7.5966% | 3,470 |
| Core capital (leverage) ratio | 10.9356% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4420% | 895 |
| Memoranda: | ||
| Average total assets | $906,870,333 | 1,072 |
| Average earning assets | $867,259,667 | 1,028 |
| Average equity | $68,216,667 | 1,263 |
| Average total loans | $496,969,667 | 1,221 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8943% | 3,685 |
| Cost of funding earning assets | 1.1689% | 1,536 |
| Net interest margin | 2.7254% | 4,040 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.0541% | 3,488 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.6355% | 3,620 |
| Return on assets (ROA) | 0.6152% | 3,618 |
| Pretax return on assets | 0.7071% | 3,647 |
| Return on Equity (ROE) | 8.2200% | 3,239 |
| Retained earnings to average equity (ytd only) | 5.1790% | 2,979 |
| Net charge-offs to loans | 0.1860% | 388 |
| Credit loss provision to net charge-offs | 100.4386% | 1,109 |
| Earnings coverage of net charge-offs (x) | 8.2851% | 1,727 |
| Efficiency ratio | 71.1911% | 1,614 |
| Assets per employee ($millions) | 7.8120% | 1,451 |
| Cash dividends to net income (ytd only)* | 36.9814% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 2,207 |
| Loan loss allowance to noncurrent loans | 832.4900% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 2,959 |
| Noncurrent loans to loans | 0.1521% | 2,734 |
| Net loans and leases to total assets | 54.7400% | 3,144 |
| Net loans and leases to deposits | 59.5051% | 3,366 |
| Net loans and leases to core deposits | 66.0794% | 3,220 |
| Total domestic deposits to total assets | 91.9900% | 518 |
| Equity capital to assets | 7.7265% | 3,428 |
| Core capital (leverage) ratio | 10.7184% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5886% | 895 |
| Memoranda: | ||
| Average total assets | $909,030,000 | 1,088 |
| Average earning assets | $871,212,000 | 1,041 |
| Average equity | $68,043,500 | 1,273 |
| Average total loans | $490,321,500 | 1,248 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4627% | 3,174 |
| Cost of funding earning assets | 0.3996% | 2,107 |
| Net interest margin | 3.0631% | 3,281 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.9186% | 3,793 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.0469% | 2,387 |
| Return on assets (ROA) | 1.0467% | 2,332 |
| Pretax return on assets | 1.2510% | 2,275 |
| Return on Equity (ROE) | 12.7000% | 1,904 |
| Retained earnings to average equity (ytd only) | 10.0335% | 1,140 |
| Net charge-offs to loans | 0.0011% | 2,536 |
| Credit loss provision to net charge-offs | 5,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 2,292.8000% | 70 |
| Efficiency ratio | 59.9986% | 3,060 |
| Assets per employee ($millions) | 8.5091% | 1,091 |
| Cash dividends to net income (ytd only)* | 21.0106% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 1,976 |
| Loan loss allowance to noncurrent loans | 716.0367% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 2,888 |
| Noncurrent loans to loans | 0.1793% | 2,589 |
| Net loans and leases to total assets | 51.8200% | 3,375 |
| Net loans and leases to deposits | 55.9901% | 3,580 |
| Net loans and leases to core deposits | 59.5271% | 3,536 |
| Total domestic deposits to total assets | 92.5600% | 504 |
| Equity capital to assets | 7.2537% | 3,518 |
| Core capital (leverage) ratio | 10.4867% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4604% | 902 |
| Memoranda: | ||
| Average total assets | $896,213,800 | 1,082 |
| Average earning assets | $863,719,400 | 1,039 |
| Average equity | $73,852,400 | 1,202 |
| Average total loans | $457,972,000 | 1,257 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3577% | 3,025 |
| Cost of funding earning assets | 0.2704% | 2,480 |
| Net interest margin | 3.0872% | 2,968 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.9635% | 3,576 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0468% | 2,293 |
| Return on assets (ROA) | 1.0468% | 2,263 |
| Pretax return on assets | 1.2533% | 2,197 |
| Return on Equity (ROE) | 12.3200% | 1,932 |
| Retained earnings to average equity (ytd only) | 11.4051% | 944 |
| Net charge-offs to loans | -0.0009% | 3,162 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.8965% | 2,995 |
| Assets per employee ($millions) | 8.1647% | 1,235 |
| Cash dividends to net income (ytd only)* | 7.4122% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 2,025 |
| Loan loss allowance to noncurrent loans | 902.9806% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 3,137 |
| Noncurrent loans to loans | 0.1440% | 2,897 |
| Net loans and leases to total assets | 52.1400% | 3,263 |
| Net loans and leases to deposits | 56.7237% | 3,422 |
| Net loans and leases to core deposits | 60.4212% | 3,351 |
| Total domestic deposits to total assets | 91.9300% | 902 |
| Equity capital to assets | 6.9932% | 3,526 |
| Core capital (leverage) ratio | 10.6546% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6609% | 897 |
| Memoranda: | ||
| Average total assets | $888,394,750 | 1,092 |
| Average earning assets | $856,837,750 | 1,055 |
| Average equity | $75,496,250 | 1,198 |
| Average total loans | $450,735,250 | 1,264 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1950% | 3,061 |
| Cost of funding earning assets | 0.2277% | 2,535 |
| Net interest margin | 2.9673% | 2,979 |
| Noninterest income to average assets | 0.2634% | 3,594 |
| Noninterest expense to average assets | 1.9448% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9921% | 2,190 |
| Return on assets (ROA) | 0.9921% | 2,158 |
| Pretax return on assets | 1.1871% | 2,118 |
| Return on Equity (ROE) | 11.0303% | 1,967 |
| Retained earnings to average equity (ytd only) | 9.7395% | 1,088 |
| Net charge-offs to loans | 0.0018% | 2,044 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,321.5000% | 91 |
| Efficiency ratio | 62.0967% | 3,035 |
| Assets per employee ($millions) | 7.9994% | 1,306 |
| Cash dividends to net income (ytd only)* | 11.7021% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,101 |
| Loan loss allowance to noncurrent loans | 1,003.6789% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 3,290 |
| Noncurrent loans to loans | 0.1314% | 3,058 |
| Net loans and leases to total assets | 51.4999% | 3,217 |
| Net loans and leases to deposits | 55.8017% | 3,398 |
| Net loans and leases to core deposits | 59.7964% | 3,284 |
| Total domestic deposits to total assets | 92.2909% | 731 |
| Equity capital to assets | 7.3976% | 3,535 |
| Core capital (leverage) ratio | 10.6209% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8064% | 881 |
| Memoranda: | ||
| Average total assets | $890,597,000 | 1,084 |
| Average earning assets | $860,910,000 | 1,051 |
| Average equity | $80,106,667 | 1,161 |
| Average total loans | $445,695,000 | 1,268 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0550% | 3,097 |
| Cost of funding earning assets | 0.2000% | 2,803 |
| Net interest margin | 2.8550% | 2,974 |
| Noninterest income to average assets | 0.2574% | 3,597 |
| Noninterest expense to average assets | 1.8784% | 3,729 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9632% | 2,025 |
| Return on assets (ROA) | 0.9632% | 2,021 |
| Pretax return on assets | 1.1516% | 1,974 |
| Return on Equity (ROE) | 9.8602% | 2,016 |
| Retained earnings to average equity (ytd only) | 7.5078% | 1,731 |
| Net charge-offs to loans | 0.0073% | 1,484 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 323.8750% | 300 |
| Efficiency ratio | 61.9921% | 3,259 |
| Assets per employee ($millions) | 7.9968% | 1,365 |
| Cash dividends to net income (ytd only)* | 23.8579% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 2,138 |
| Loan loss allowance to noncurrent loans | 968.9822% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 3,367 |
| Noncurrent loans to loans | 0.1387% | 3,114 |
| Net loans and leases to total assets | 49.5917% | 3,210 |
| Net loans and leases to deposits | 54.7435% | 3,362 |
| Net loans and leases to core deposits | 60.0499% | 3,141 |
| Total domestic deposits to total assets | 90.5891% | 1,248 |
| Equity capital to assets | 9.1359% | 2,596 |
| Core capital (leverage) ratio | 10.5053% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6808% | 940 |
| Memoranda: | ||
| Average total assets | $899,930,500 | 1,082 |
| Average earning assets | $873,965,500 | 1,044 |
| Average equity | $87,909,000 | 1,104 |
| Average total loans | $441,020,000 | 1,268 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3221% | 3,137 |
| Cost of funding earning assets | 0.2657% | 2,748 |
| Net interest margin | 3.0564% | 3,029 |
| Noninterest income to average assets | 0.2613% | 3,809 |
| Noninterest expense to average assets | 1.8774% | 3,978 |
| Loan and lease loss provision to assets | 0.0118% | 2,847 |
| Net operating income to assets | 1.1083% | 2,263 |
| Return on assets (ROA) | 1.1102% | 2,311 |
| Pretax return on assets | 1.3463% | 2,216 |
| Return on Equity (ROE) | 10.0491% | 2,502 |
| Retained earnings to average equity (ytd only) | 7.9992% | 1,544 |
| Net charge-offs to loans | 0.0009% | 2,657 |
| Credit loss provision to net charge-offs | 2,500.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 2,863.0000% | 45 |
| Efficiency ratio | 58.0666% | 3,436 |
| Assets per employee ($millions) | 8.5254% | 1,075 |
| Cash dividends to net income (ytd only)* | 20.3988% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 2,010 |
| Loan loss allowance to noncurrent loans | 1,066.7851% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,551 |
| Noncurrent loans to loans | 0.1292% | 3,284 |
| Net loans and leases to total assets | 47.1202% | 3,589 |
| Net loans and leases to deposits | 52.6949% | 3,690 |
| Net loans and leases to core deposits | 57.7349% | 3,497 |
| Total domestic deposits to total assets | 89.4207% | 1,285 |
| Equity capital to assets | 10.3839% | 2,289 |
| Core capital (leverage) ratio | 10.4000% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0722% | 884 |
| Memoranda: | ||
| Average total assets | $844,694,200 | 1,097 |
| Average earning assets | $821,319,000 | 1,058 |
| Average equity | $93,321,400 | 1,069 |
| Average total loans | $453,697,000 | 1,257 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4313% | 3,010 |
| Cost of funding earning assets | 0.2834% | 2,765 |
| Net interest margin | 3.1479% | 2,909 |
| Noninterest income to average assets | 0.2666% | 3,811 |
| Noninterest expense to average assets | 1.9442% | 3,825 |
| Loan and lease loss provision to assets | 0.0161% | 2,684 |
| Net operating income to assets | 1.1246% | 2,464 |
| Return on assets (ROA) | 1.1273% | 2,515 |
| Pretax return on assets | 1.3692% | 2,440 |
| Return on Equity (ROE) | 10.0373% | 2,725 |
| Retained earnings to average equity (ytd only) | 9.2959% | 1,575 |
| Net charge-offs to loans | 0.0009% | 2,423 |
| Credit loss provision to net charge-offs | 3,333.3333% | 220 |
| Earnings coverage of net charge-offs (x) | 2,860.3333% | 48 |
| Efficiency ratio | 58.4495% | 3,201 |
| Assets per employee ($millions) | 8.1296% | 1,217 |
| Cash dividends to net income (ytd only)* | 7.3868% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 2,113 |
| Loan loss allowance to noncurrent loans | 1,076.5233% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 3,693 |
| Noncurrent loans to loans | 0.1281% | 3,461 |
| Net loans and leases to total assets | 48.4968% | 3,575 |
| Net loans and leases to deposits | 54.6739% | 3,677 |
| Net loans and leases to core deposits | 60.1349% | 3,463 |
| Total domestic deposits to total assets | 88.7020% | 1,456 |
| Equity capital to assets | 10.8420% | 2,134 |
| Core capital (leverage) ratio | 10.7918% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7471% | 1,704 |
| Memoranda: | ||
| Average total assets | $827,813,250 | 1,130 |
| Average earning assets | $804,610,500 | 1,091 |
| Average equity | $92,970,750 | 1,084 |
| Average total loans | $458,160,000 | 1,263 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5943% | 2,640 |
| Cost of funding earning assets | 0.3020% | 2,759 |
| Net interest margin | 3.2922% | 2,463 |
| Noninterest income to average assets | 0.2749% | 3,759 |
| Noninterest expense to average assets | 1.9761% | 3,772 |
| Loan and lease loss provision to assets | 0.0247% | 2,475 |
| Net operating income to assets | 1.2103% | 2,152 |
| Return on assets (ROA) | 1.2227% | 2,175 |
| Pretax return on assets | 1.4874% | 2,057 |
| Return on Equity (ROE) | 10.7509% | 2,513 |
| Retained earnings to average equity (ytd only) | 9.6262% | 1,519 |
| Net charge-offs to loans | -0.0004% | 3,036 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8956% | 3,419 |
| Assets per employee ($millions) | 7.5496% | 1,448 |
| Cash dividends to net income (ytd only)* | 10.4614% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 2,230 |
| Loan loss allowance to noncurrent loans | 1,565.3646% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 3,949 |
| Noncurrent loans to loans | 0.0858% | 3,758 |
| Net loans and leases to total assets | 52.2223% | 3,322 |
| Net loans and leases to deposits | 59.0281% | 3,461 |
| Net loans and leases to core deposits | 65.1917% | 3,183 |
| Total domestic deposits to total assets | 88.4701% | 1,582 |
| Equity capital to assets | 11.0790% | 1,926 |
| Core capital (leverage) ratio | 10.8555% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6862% | 1,007 |
| Memoranda: | ||
| Average total assets | $808,376,333 | 1,145 |
| Average earning assets | $785,302,333 | 1,108 |
| Average equity | $91,936,333 | 1,090 |
| Average total loans | $465,630,333 | 1,253 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6226% | 2,570 |
| Cost of funding earning assets | 0.3249% | 2,752 |
| Net interest margin | 3.2977% | 2,398 |
| Noninterest income to average assets | 0.2917% | 3,667 |
| Noninterest expense to average assets | 1.9742% | 3,795 |
| Loan and lease loss provision to assets | 0.0253% | 2,452 |
| Net operating income to assets | 1.2282% | 2,049 |
| Return on assets (ROA) | 1.2282% | 2,131 |
| Pretax return on assets | 1.4951% | 2,005 |
| Return on Equity (ROE) | 10.6517% | 2,476 |
| Retained earnings to average equity (ytd only) | 8.3808% | 2,127 |
| Net charge-offs to loans | 0.0008% | 1,912 |
| Credit loss provision to net charge-offs | 5,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 3,002.0000% | 16 |
| Efficiency ratio | 56.4928% | 3,491 |
| Assets per employee ($millions) | 7.1374% | 1,696 |
| Cash dividends to net income (ytd only)* | 21.3196% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 2,539 |
| Loan loss allowance to noncurrent loans | 1,446.3592% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 4,010 |
| Noncurrent loans to loans | 0.0883% | 3,864 |
| Net loans and leases to total assets | 57.6272% | 2,843 |
| Net loans and leases to deposits | 65.3034% | 2,996 |
| Net loans and leases to core deposits | 72.5969% | 2,649 |
| Total domestic deposits to total assets | 88.2454% | 1,719 |
| Equity capital to assets | 11.3682% | 1,620 |
| Core capital (leverage) ratio | 11.3190% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0123% | 1,068 |
| Memoranda: | ||
| Average total assets | $789,788,000 | 1,160 |
| Average earning assets | $767,074,000 | 1,115 |
| Average equity | $91,065,000 | 1,092 |
| Average total loans | $474,656,500 | 1,236 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2748% | 1,942 |
| Cost of funding earning assets | 0.5241% | 2,786 |
| Net interest margin | 3.7507% | 1,640 |
| Noninterest income to average assets | 0.2908% | 3,744 |
| Noninterest expense to average assets | 2.1124% | 3,911 |
| Loan and lease loss provision to assets | 0.1379% | 2,637 |
| Net operating income to assets | 1.3546% | 1,116 |
| Return on assets (ROA) | 1.3626% | 1,192 |
| Pretax return on assets | 1.6736% | 897 |
| Return on Equity (ROE) | 11.3065% | 1,524 |
| Retained earnings to average equity (ytd only) | 9.1285% | 741 |
| Net charge-offs to loans | -0.0009% | 3,931 |
| Credit loss provision to net charge-offs | -24,375.0000% | 4,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9709% | 4,213 |
| Assets per employee ($millions) | 7.1577% | 1,473 |
| Cash dividends to net income (ytd only)* | 19.2631% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 2,819 |
| Loan loss allowance to noncurrent loans | 784.8606% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 3,829 |
| Noncurrent loans to loans | 0.1560% | 3,659 |
| Net loans and leases to total assets | 61.1108% | 2,714 |
| Net loans and leases to deposits | 69.4670% | 2,940 |
| Net loans and leases to core deposits | 77.8500% | 2,562 |
| Total domestic deposits to total assets | 87.9710% | 1,484 |
| Equity capital to assets | 11.6964% | 1,735 |
| Core capital (leverage) ratio | 11.2158% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3700% | 1,180 |
| Memoranda: | ||
| Average total assets | $707,112,400 | 1,173 |
| Average earning assets | $683,075,800 | 1,126 |
| Average equity | $85,216,200 | 1,092 |
| Average total loans | $454,047,000 | 1,218 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 1,524 |
| Cost of funding earning assets | 0.5691% | 2,811 |
| Net interest margin | 3.9477% | 1,243 |
| Noninterest income to average assets | 0.2977% | 3,701 |
| Noninterest expense to average assets | 2.1976% | 3,684 |
| Loan and lease loss provision to assets | 0.1694% | 2,305 |
| Net operating income to assets | 1.4126% | 1,072 |
| Return on assets (ROA) | 1.4236% | 1,138 |
| Pretax return on assets | 1.7523% | 866 |
| Return on Equity (ROE) | 11.7152% | 1,450 |
| Retained earnings to average equity (ytd only) | 10.8917% | 596 |
| Net charge-offs to loans | -0.0024% | 3,909 |
| Credit loss provision to net charge-offs | -10,937.5000% | 4,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5263% | 4,199 |
| Assets per employee ($millions) | 6.9379% | 1,548 |
| Cash dividends to net income (ytd only)* | 7.0292% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,485 |
| Loan loss allowance to noncurrent loans | 651.7937% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 3,840 |
| Noncurrent loans to loans | 0.1891% | 3,636 |
| Net loans and leases to total assets | 61.6078% | 3,055 |
| Net loans and leases to deposits | 70.3733% | 3,279 |
| Net loans and leases to core deposits | 80.0544% | 2,836 |
| Total domestic deposits to total assets | 87.5442% | 1,422 |
| Equity capital to assets | 11.8871% | 1,742 |
| Core capital (leverage) ratio | 11.4978% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6993% | 1,100 |
| Memoranda: | ||
| Average total assets | $688,843,500 | 1,174 |
| Average earning assets | $664,475,000 | 1,140 |
| Average equity | $83,706,750 | 1,103 |
| Average total loans | $446,886,500 | 1,227 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9343% | 920 |
| Cost of funding earning assets | 0.6084% | 2,926 |
| Net interest margin | 4.3259% | 710 |
| Noninterest income to average assets | 0.3121% | 3,590 |
| Noninterest expense to average assets | 2.2843% | 3,560 |
| Loan and lease loss provision to assets | 0.1726% | 2,286 |
| Net operating income to assets | 1.6414% | 691 |
| Return on assets (ROA) | 1.6414% | 754 |
| Pretax return on assets | 2.0274% | 515 |
| Return on Equity (ROE) | 13.3971% | 1,004 |
| Retained earnings to average equity (ytd only) | 12.1307% | 446 |
| Net charge-offs to loans | -0.0014% | 3,778 |
| Credit loss provision to net charge-offs | -19,166.6667% | 4,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9404% | 4,445 |
| Assets per employee ($millions) | 6.5454% | 1,743 |
| Cash dividends to net income (ytd only)* | 9.4533% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 2,623 |
| Loan loss allowance to noncurrent loans | 646.5962% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 3,875 |
| Noncurrent loans to loans | 0.1822% | 3,724 |
| Net loans and leases to total assets | 63.0453% | 2,999 |
| Net loans and leases to deposits | 72.0899% | 3,252 |
| Net loans and leases to core deposits | 81.6898% | 2,801 |
| Total domestic deposits to total assets | 87.4538% | 1,430 |
| Equity capital to assets | 11.9178% | 1,714 |
| Core capital (leverage) ratio | 11.8831% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9216% | 1,070 |
| Memoranda: | ||
| Average total assets | $666,381,667 | 1,190 |
| Average earning assets | $642,690,333 | 1,153 |
| Average equity | $81,644,333 | 1,120 |
| Average total loans | $438,612,000 | 1,232 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5979% | 2,002 |
| Cost of funding earning assets | 0.6848% | 2,997 |
| Net interest margin | 3.9131% | 1,628 |
| Noninterest income to average assets | 0.3520% | 3,415 |
| Noninterest expense to average assets | 2.3714% | 3,601 |
| Loan and lease loss provision to assets | 0.0790% | 2,725 |
| Net operating income to assets | 1.3598% | 1,081 |
| Return on assets (ROA) | 1.3598% | 1,165 |
| Pretax return on assets | 1.6713% | 908 |
| Return on Equity (ROE) | 10.9262% | 1,435 |
| Retained earnings to average equity (ytd only) | 8.3013% | 1,142 |
| Net charge-offs to loans | 0.0009% | 2,564 |
| Credit loss provision to net charge-offs | 12,500.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 2,770.0000% | 7 |
| Efficiency ratio | 57.5349% | 4,064 |
| Assets per employee ($millions) | 5.8640% | 1,784 |
| Cash dividends to net income (ytd only)* | 24.0242% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 2,642 |
| Loan loss allowance to noncurrent loans | 585.0694% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 3,895 |
| Noncurrent loans to loans | 0.2061% | 3,743 |
| Net loans and leases to total assets | 64.8110% | 2,968 |
| Net loans and leases to deposits | 74.2829% | 3,242 |
| Net loans and leases to core deposits | 85.3680% | 2,728 |
| Total domestic deposits to total assets | 87.2490% | 1,449 |
| Equity capital to assets | 12.2886% | 1,861 |
| Core capital (leverage) ratio | 12.7800% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1117% | 968 |
| Memoranda: | ||
| Average total assets | $633,031,500 | 1,210 |
| Average earning assets | $609,843,000 | 1,168 |
| Average equity | $78,783,000 | 1,154 |
| Average total loans | $424,076,500 | 1,234 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 2,308 |
| Cost of funding earning assets | 0.6667% | 3,326 |
| Net interest margin | 4.0381% | 1,716 |
| Noninterest income to average assets | 0.3778% | 3,438 |
| Noninterest expense to average assets | 2.3853% | 3,723 |
| Loan and lease loss provision to assets | 0.1280% | 1,668 |
| Net operating income to assets | 1.4144% | 1,295 |
| Return on assets (ROA) | 1.4232% | 1,339 |
| Pretax return on assets | 1.7564% | 1,053 |
| Return on Equity (ROE) | 11.6597% | 1,636 |
| Retained earnings to average equity (ytd only) | 9.4374% | 605 |
| Net charge-offs to loans | 0.1120% | 1,611 |
| Credit loss provision to net charge-offs | 167.6026% | 1,545 |
| Earnings coverage of net charge-offs (x) | 24.5400% | 1,769 |
| Efficiency ratio | 56.0090% | 4,200 |
| Assets per employee ($millions) | 5.8588% | 1,747 |
| Cash dividends to net income (ytd only)* | 19.0592% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 2,700 |
| Loan loss allowance to noncurrent loans | 422.5364% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 3,657 |
| Noncurrent loans to loans | 0.2721% | 3,477 |
| Net loans and leases to total assets | 67.6215% | 2,737 |
| Net loans and leases to deposits | 77.6392% | 3,044 |
| Net loans and leases to core deposits | 87.7394% | 2,632 |
| Total domestic deposits to total assets | 87.0971% | 1,557 |
| Equity capital to assets | 12.6052% | 1,769 |
| Core capital (leverage) ratio | 12.4364% | 1,523 |
| Tier 1 risk-based capital ratio | 17.0988% | 2,023 |
| Total risk-based capital ratio | 18.1813% | 2,020 |
| Memoranda: | ||
| Average total assets | $606,459,800 | 1,213 |
| Average earning assets | $582,875,200 | 1,187 |
| Average equity | $74,024,400 | 1,163 |
| Average total loans | $413,454,000 | 1,236 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6936% | 2,435 |
| Cost of funding earning assets | 0.6438% | 3,485 |
| Net interest margin | 4.0498% | 1,765 |
| Noninterest income to average assets | 0.3831% | 3,421 |
| Noninterest expense to average assets | 2.4462% | 3,582 |
| Loan and lease loss provision to assets | 0.1454% | 1,317 |
| Net operating income to assets | 1.3652% | 1,593 |
| Return on assets (ROA) | 1.3762% | 1,618 |
| Pretax return on assets | 1.6948% | 1,346 |
| Return on Equity (ROE) | 11.3717% | 1,856 |
| Retained earnings to average equity (ytd only) | 10.4245% | 644 |
| Net charge-offs to loans | 0.1208% | 1,294 |
| Credit loss provision to net charge-offs | 176.8194% | 1,446 |
| Earnings coverage of net charge-offs (x) | 22.2077% | 1,879 |
| Efficiency ratio | 57.2489% | 4,034 |
| Assets per employee ($millions) | 5.8599% | 1,706 |
| Cash dividends to net income (ytd only)* | 8.3294% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 2,762 |
| Loan loss allowance to noncurrent loans | 504.9434% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 3,899 |
| Noncurrent loans to loans | 0.2282% | 3,732 |
| Net loans and leases to total assets | 66.4703% | 2,995 |
| Net loans and leases to deposits | 76.2819% | 3,266 |
| Net loans and leases to core deposits | 85.7783% | 2,927 |
| Total domestic deposits to total assets | 87.1377% | 1,454 |
| Equity capital to assets | 12.2947% | 2,044 |
| Core capital (leverage) ratio | 12.5165% | 1,558 |
| Tier 1 risk-based capital ratio | 16.9752% | 2,093 |
| Total risk-based capital ratio | 18.0618% | 2,096 |
| Memoranda: | ||
| Average total assets | $601,352,000 | 1,224 |
| Average earning assets | $577,592,500 | 1,193 |
| Average equity | $72,775,250 | 1,177 |
| Average total loans | $409,606,500 | 1,255 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7148% | 2,314 |
| Cost of funding earning assets | 0.6094% | 3,604 |
| Net interest margin | 4.1054% | 1,593 |
| Noninterest income to average assets | 0.3889% | 3,346 |
| Noninterest expense to average assets | 2.4805% | 3,546 |
| Loan and lease loss provision to assets | 0.1967% | 882 |
| Net operating income to assets | 1.3339% | 1,637 |
| Return on assets (ROA) | 1.3421% | 1,675 |
| Pretax return on assets | 1.6627% | 1,355 |
| Return on Equity (ROE) | 11.1538% | 1,918 |
| Retained earnings to average equity (ytd only) | 9.6994% | 845 |
| Net charge-offs to loans | 0.1722% | 946 |
| Credit loss provision to net charge-offs | 166.9540% | 1,380 |
| Earnings coverage of net charge-offs (x) | 15.6983% | 1,971 |
| Efficiency ratio | 57.2903% | 4,098 |
| Assets per employee ($millions) | 5.7656% | 1,724 |
| Cash dividends to net income (ytd only)* | 13.0391% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 2,743 |
| Loan loss allowance to noncurrent loans | 949.3151% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 4,241 |
| Noncurrent loans to loans | 0.1222% | 4,131 |
| Net loans and leases to total assets | 69.6061% | 2,591 |
| Net loans and leases to deposits | 80.1302% | 2,938 |
| Net loans and leases to core deposits | 88.9957% | 2,697 |
| Total domestic deposits to total assets | 86.8663% | 1,655 |
| Equity capital to assets | 12.6232% | 1,788 |
| Core capital (leverage) ratio | 12.5994% | 1,488 |
| Tier 1 risk-based capital ratio | 17.1706% | 2,037 |
| Total risk-based capital ratio | 18.2909% | 2,021 |
| Memoranda: | ||
| Average total assets | $590,845,330 | 1,244 |
| Average earning assets | $567,156,000 | 1,209 |
| Average equity | $71,097,000 | 1,194 |
| Average total loans | $404,283,670 | 1,268 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 2,355 |
| Cost of funding earning assets | 0.5728% | 3,717 |
| Net interest margin | 4.0856% | 1,589 |
| Noninterest income to average assets | 0.3943% | 3,220 |
| Noninterest expense to average assets | 2.4794% | 3,564 |
| Loan and lease loss provision to assets | 0.1799% | 925 |
| Net operating income to assets | 1.3480% | 1,533 |
| Return on assets (ROA) | 1.3480% | 1,570 |
| Pretax return on assets | 1.6513% | 1,339 |
| Return on Equity (ROE) | 11.4858% | 1,742 |
| Retained earnings to average equity (ytd only) | 8.4958% | 1,492 |
| Net charge-offs to loans | -0.0886% | 4,994 |
| Credit loss provision to net charge-offs | -301.1364% | 3,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5185% | 4,146 |
| Assets per employee ($millions) | 5.3698% | 2,104 |
| Cash dividends to net income (ytd only)* | 26.0322% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,388 |
| Loan loss allowance to noncurrent loans | 1,150.6944% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 4,304 |
| Noncurrent loans to loans | 0.1077% | 4,253 |
| Net loans and leases to total assets | 67.7119% | 2,795 |
| Net loans and leases to deposits | 77.4610% | 3,117 |
| Net loans and leases to core deposits | 87.6066% | 2,729 |
| Total domestic deposits to total assets | 87.4142% | 1,611 |
| Equity capital to assets | 12.0850% | 1,973 |
| Core capital (leverage) ratio | 12.3981% | 1,558 |
| Tier 1 risk-based capital ratio | 17.0911% | 2,080 |
| Total risk-based capital ratio | 18.2650% | 2,052 |
| Memoranda: | ||
| Average total assets | $589,338,000 | 1,248 |
| Average earning assets | $564,909,500 | 1,214 |
| Average equity | $69,163,500 | 1,222 |
| Average total loans | $397,318,500 | 1,282 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 2,143 |
| Cost of funding earning assets | 0.4174% | 3,881 |
| Net interest margin | 4.1777% | 1,457 |
| Noninterest income to average assets | 0.3681% | 3,634 |
| Noninterest expense to average assets | 2.4263% | 3,811 |
| Loan and lease loss provision to assets | 0.1531% | 1,383 |
| Net operating income to assets | 1.4577% | 1,250 |
| Return on assets (ROA) | 1.4601% | 1,230 |
| Pretax return on assets | 1.7965% | 933 |
| Return on Equity (ROE) | 13.5758% | 1,152 |
| Retained earnings to average equity (ytd only) | 11.1724% | 408 |
| Net charge-offs to loans | 0.1439% | 1,324 |
| Credit loss provision to net charge-offs | 161.6756% | 1,718 |
| Earnings coverage of net charge-offs (x) | 20.5544% | 1,993 |
| Efficiency ratio | 55.4822% | 4,469 |
| Assets per employee ($millions) | 5.5978% | 1,868 |
| Cash dividends to net income (ytd only)* | 17.7035% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 2,700 |
| Loan loss allowance to noncurrent loans | 1,804.2969% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 4,465 |
| Noncurrent loans to loans | 0.0651% | 4,459 |
| Net loans and leases to total assets | 65.5114% | 3,201 |
| Net loans and leases to deposits | 74.1660% | 3,488 |
| Net loans and leases to core deposits | 81.0173% | 3,346 |
| Total domestic deposits to total assets | 88.3308% | 1,146 |
| Equity capital to assets | 11.3913% | 2,338 |
| Core capital (leverage) ratio | 12.0147% | 1,726 |
| Tier 1 risk-based capital ratio | 17.0868% | 2,035 |
| Total risk-based capital ratio | 18.1999% | 2,029 |
| Memoranda: | ||
| Average total assets | $592,307,000 | 1,217 |
| Average earning assets | $567,821,600 | 1,188 |
| Average equity | $63,701,800 | 1,255 |
| Average total loans | $389,939,400 | 1,281 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 2,707 |
| Cost of funding earning assets | 0.4024% | 3,842 |
| Net interest margin | 3.9729% | 2,039 |
| Noninterest income to average assets | 0.3466% | 3,824 |
| Noninterest expense to average assets | 2.4405% | 3,759 |
| Loan and lease loss provision to assets | 0.1648% | 1,149 |
| Net operating income to assets | 1.2439% | 2,067 |
| Return on assets (ROA) | 1.2470% | 2,065 |
| Pretax return on assets | 1.5539% | 1,724 |
| Return on Equity (ROE) | 11.7688% | 1,880 |
| Retained earnings to average equity (ytd only) | 10.7528% | 707 |
| Net charge-offs to loans | 0.1532% | 1,074 |
| Credit loss provision to net charge-offs | 163.7584% | 1,612 |
| Earnings coverage of net charge-offs (x) | 17.0357% | 2,127 |
| Efficiency ratio | 58.7308% | 4,003 |
| Assets per employee ($millions) | 5.5358% | 1,880 |
| Cash dividends to net income (ytd only)* | 8.6329% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 2,806 |
| Loan loss allowance to noncurrent loans | 97.8532% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8421% | 1,759 |
| Noncurrent loans to loans | 1.1933% | 1,418 |
| Net loans and leases to total assets | 65.1290% | 3,293 |
| Net loans and leases to deposits | 73.5255% | 3,641 |
| Net loans and leases to core deposits | 79.6714% | 3,524 |
| Total domestic deposits to total assets | 88.5802% | 1,009 |
| Equity capital to assets | 10.8318% | 2,817 |
| Core capital (leverage) ratio | 11.4848% | 2,179 |
| Tier 1 risk-based capital ratio | 16.7351% | 2,190 |
| Total risk-based capital ratio | 17.8431% | 2,189 |
| Memoranda: | ||
| Average total assets | $592,042,750 | 1,221 |
| Average earning assets | $567,592,000 | 1,189 |
| Average equity | $62,729,250 | 1,274 |
| Average total loans | $389,089,250 | 1,290 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3302% | 2,666 |
| Cost of funding earning assets | 0.3917% | 3,789 |
| Net interest margin | 3.9385% | 2,074 |
| Noninterest income to average assets | 0.3362% | 3,936 |
| Noninterest expense to average assets | 2.4492% | 3,778 |
| Loan and lease loss provision to assets | 0.1814% | 989 |
| Net operating income to assets | 1.1948% | 2,223 |
| Return on assets (ROA) | 1.1950% | 2,221 |
| Pretax return on assets | 1.4799% | 1,890 |
| Return on Equity (ROE) | 11.3634% | 1,969 |
| Retained earnings to average equity (ytd only) | 9.8277% | 975 |
| Net charge-offs to loans | 0.2645% | 606 |
| Credit loss provision to net charge-offs | 104.4747% | 1,956 |
| Earnings coverage of net charge-offs (x) | 9.5642% | 2,384 |
| Efficiency ratio | 59.5890% | 3,994 |
| Assets per employee ($millions) | 5.6512% | 1,758 |
| Cash dividends to net income (ytd only)* | 13.5143% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,256 |
| Loan loss allowance to noncurrent loans | 95.3184% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.8152% | 1,836 |
| Noncurrent loans to loans | 1.1547% | 1,507 |
| Net loans and leases to total assets | 65.0534% | 3,269 |
| Net loans and leases to deposits | 73.1476% | 3,608 |
| Net loans and leases to core deposits | 79.3032% | 3,471 |
| Total domestic deposits to total assets | 88.9344% | 961 |
| Equity capital to assets | 10.6099% | 3,019 |
| Core capital (leverage) ratio | 11.2575% | 2,295 |
| Tier 1 risk-based capital ratio | 16.2073% | 2,366 |
| Total risk-based capital ratio | 17.2488% | 2,381 |
| Memoranda: | ||
| Average total assets | $591,946,330 | 1,217 |
| Average earning assets | $567,226,000 | 1,187 |
| Average equity | $62,252,330 | 1,284 |
| Average total loans | $388,673,000 | 1,289 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 2,519 |
| Cost of funding earning assets | 0.3827% | 3,714 |
| Net interest margin | 3.9151% | 1,981 |
| Noninterest income to average assets | 0.3471% | 3,820 |
| Noninterest expense to average assets | 2.4748% | 3,731 |
| Loan and lease loss provision to assets | 0.0758% | 2,250 |
| Net operating income to assets | 1.2551% | 1,788 |
| Return on assets (ROA) | 1.2557% | 1,797 |
| Pretax return on assets | 1.5486% | 1,534 |
| Return on Equity (ROE) | 11.9935% | 1,581 |
| Retained earnings to average equity (ytd only) | 8.9047% | 1,491 |
| Net charge-offs to loans | 0.0113% | 2,337 |
| Credit loss provision to net charge-offs | 1,018.1818% | 335 |
| Earnings coverage of net charge-offs (x) | 218.1818% | 309 |
| Efficiency ratio | 60.3830% | 4,016 |
| Assets per employee ($millions) | 5.6239% | 1,826 |
| Cash dividends to net income (ytd only)* | 25.7543% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 3,266 |
| Loan loss allowance to noncurrent loans | 92.2590% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9104% | 1,743 |
| Noncurrent loans to loans | 1.2138% | 1,493 |
| Net loans and leases to total assets | 64.7890% | 3,204 |
| Net loans and leases to deposits | 72.6865% | 3,540 |
| Net loans and leases to core deposits | 78.8623% | 3,418 |
| Total domestic deposits to total assets | 89.1348% | 1,035 |
| Equity capital to assets | 10.3200% | 3,252 |
| Core capital (leverage) ratio | 11.0494% | 2,384 |
| Tier 1 risk-based capital ratio | 16.4202% | 2,308 |
| Total risk-based capital ratio | 17.5224% | 2,315 |
| Memoranda: | ||
| Average total assets | $591,229,500 | 1,229 |
| Average earning assets | $566,519,000 | 1,195 |
| Average equity | $61,900,000 | 1,295 |
| Average total loans | $387,854,500 | 1,295 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 2,995 |
| Cost of funding earning assets | 0.3382% | 3,816 |
| Net interest margin | 3.7796% | 2,499 |
| Noninterest income to average assets | 0.3867% | 3,722 |
| Noninterest expense to average assets | 2.3833% | 4,123 |
| Loan and lease loss provision to assets | 0.0506% | 3,210 |
| Net operating income to assets | 1.0532% | 2,041 |
| Return on assets (ROA) | 1.0657% | 2,016 |
| Pretax return on assets | 1.5867% | 1,327 |
| Return on Equity (ROE) | 10.2538% | 1,785 |
| Retained earnings to average equity (ytd only) | 7.9654% | 780 |
| Net charge-offs to loans | 0.0250% | 3,309 |
| Credit loss provision to net charge-offs | 321.9780% | 894 |
| Earnings coverage of net charge-offs (x) | 102.9780% | 637 |
| Efficiency ratio | 59.5537% | 4,325 |
| Assets per employee ($millions) | 5.6377% | 1,805 |
| Cash dividends to net income (ytd only)* | 22.3177% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,297 |
| Loan loss allowance to noncurrent loans | 86.2187% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.9525% | 1,628 |
| Noncurrent loans to loans | 1.2869% | 1,366 |
| Net loans and leases to total assets | 64.9525% | 3,238 |
| Net loans and leases to deposits | 73.0218% | 3,596 |
| Net loans and leases to core deposits | 79.4737% | 3,459 |
| Total domestic deposits to total assets | 88.9495% | 1,026 |
| Equity capital to assets | 10.6219% | 3,025 |
| Core capital (leverage) ratio | 10.8786% | 2,445 |
| Tier 1 risk-based capital ratio | 15.8537% | 2,492 |
| Total risk-based capital ratio | 16.9199% | 2,499 |
| Memoranda: | ||
| Average total assets | $578,950,200 | 1,235 |
| Average earning assets | $553,762,400 | 1,201 |
| Average equity | $60,173,000 | 1,306 |
| Average total loans | $364,306,600 | 1,328 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0743% | 3,075 |
| Cost of funding earning assets | 0.3295% | 3,849 |
| Net interest margin | 3.7448% | 2,596 |
| Noninterest income to average assets | 0.3660% | 3,910 |
| Noninterest expense to average assets | 2.3757% | 4,078 |
| Loan and lease loss provision to assets | 0.0585% | 2,914 |
| Net operating income to assets | 1.0931% | 2,120 |
| Return on assets (ROA) | 1.1110% | 2,101 |
| Pretax return on assets | 1.5384% | 1,632 |
| Return on Equity (ROE) | 10.7497% | 1,797 |
| Retained earnings to average equity (ytd only) | 9.6812% | 657 |
| Net charge-offs to loans | 0.0338% | 2,754 |
| Credit loss provision to net charge-offs | 278.0220% | 1,049 |
| Earnings coverage of net charge-offs (x) | 74.7694% | 857 |
| Efficiency ratio | 60.1803% | 4,183 |
| Assets per employee ($millions) | 5.8499% | 1,609 |
| Cash dividends to net income (ytd only)* | 9.9397% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 3,269 |
| Loan loss allowance to noncurrent loans | 85.5497% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 1,801 |
| Noncurrent loans to loans | 1.3297% | 1,432 |
| Net loans and leases to total assets | 62.2622% | 3,621 |
| Net loans and leases to deposits | 70.1224% | 3,951 |
| Net loans and leases to core deposits | 76.8714% | 3,736 |
| Total domestic deposits to total assets | 88.7907% | 980 |
| Equity capital to assets | 10.6032% | 3,258 |
| Core capital (leverage) ratio | 11.0096% | 2,449 |
| Tier 1 risk-based capital ratio | 15.8741% | 2,560 |
| Total risk-based capital ratio | 16.9393% | 2,579 |
| Memoranda: | ||
| Average total assets | $577,106,500 | 1,247 |
| Average earning assets | $551,971,000 | 1,209 |
| Average equity | $59,646,500 | 1,327 |
| Average total loans | $359,106,750 | 1,361 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,029 |
| Cost of funding earning assets | 0.3224% | 3,862 |
| Net interest margin | 3.7210% | 2,578 |
| Noninterest income to average assets | 0.3755% | 3,871 |
| Noninterest expense to average assets | 2.3758% | 4,130 |
| Loan and lease loss provision to assets | 0.0611% | 2,739 |
| Net operating income to assets | 1.0788% | 2,088 |
| Return on assets (ROA) | 1.1060% | 1,994 |
| Pretax return on assets | 1.5367% | 1,532 |
| Return on Equity (ROE) | 10.7970% | 1,718 |
| Retained earnings to average equity (ytd only) | 9.1669% | 789 |
| Net charge-offs to loans | 0.0474% | 2,268 |
| Credit loss provision to net charge-offs | 208.3333% | 1,230 |
| Earnings coverage of net charge-offs (x) | 53.1667% | 1,027 |
| Efficiency ratio | 60.3621% | 4,269 |
| Assets per employee ($millions) | 5.6283% | 1,761 |
| Cash dividends to net income (ytd only)* | 15.0979% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 3,312 |
| Loan loss allowance to noncurrent loans | 80.1155% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.0162% | 1,718 |
| Noncurrent loans to loans | 1.4354% | 1,327 |
| Net loans and leases to total assets | 62.3188% | 3,589 |
| Net loans and leases to deposits | 70.2564% | 3,896 |
| Net loans and leases to core deposits | 77.2845% | 3,655 |
| Total domestic deposits to total assets | 88.7019% | 1,104 |
| Equity capital to assets | 10.6428% | 3,180 |
| Core capital (leverage) ratio | 10.6113% | 2,799 |
| Tier 1 risk-based capital ratio | 16.6130% | 2,272 |
| Total risk-based capital ratio | 17.7385% | 2,274 |
| Memoranda: | ||
| Average total assets | $572,528,000 | 1,264 |
| Average earning assets | $547,817,000 | 1,219 |
| Average equity | $58,646,000 | 1,343 |
| Average total loans | $354,774,330 | 1,378 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9596% | 3,177 |
| Cost of funding earning assets | 0.3286% | 3,760 |
| Net interest margin | 3.6310% | 2,775 |
| Noninterest income to average assets | 0.3554% | 3,993 |
| Noninterest expense to average assets | 2.3766% | 4,190 |
| Loan and lease loss provision to assets | 0.0245% | 3,257 |
| Net operating income to assets | 1.0417% | 2,110 |
| Return on assets (ROA) | 1.0417% | 2,161 |
| Pretax return on assets | 1.4258% | 1,784 |
| Return on Equity (ROE) | 10.3728% | 1,790 |
| Retained earnings to average equity (ytd only) | 7.0429% | 1,834 |
| Net charge-offs to loans | 0.0569% | 1,765 |
| Credit loss provision to net charge-offs | 70.0000% | 1,834 |
| Earnings coverage of net charge-offs (x) | 41.4600% | 1,014 |
| Efficiency ratio | 62.1024% | 4,134 |
| Assets per employee ($millions) | 5.5470% | 1,841 |
| Cash dividends to net income (ytd only)* | 32.1021% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 3,414 |
| Loan loss allowance to noncurrent loans | 65.1462% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.1748% | 1,498 |
| Noncurrent loans to loans | 1.7651% | 1,075 |
| Net loans and leases to total assets | 61.0248% | 3,660 |
| Net loans and leases to deposits | 68.2906% | 3,969 |
| Net loans and leases to core deposits | 75.1848% | 3,724 |
| Total domestic deposits to total assets | 89.3604% | 968 |
| Equity capital to assets | 10.1942% | 3,510 |
| Core capital (leverage) ratio | 10.4418% | 2,965 |
| Tier 1 risk-based capital ratio | 16.5428% | 2,341 |
| Total risk-based capital ratio | 17.6657% | 2,338 |
| Memoranda: | ||
| Average total assets | $571,747,000 | 1,260 |
| Average earning assets | $546,624,500 | 1,217 |
| Average equity | $57,419,500 | 1,371 |
| Average total loans | $351,197,500 | 1,396 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 3,283 |
| Cost of funding earning assets | 0.3478% | 3,536 |
| Net interest margin | 3.6284% | 2,969 |
| Noninterest income to average assets | 0.3377% | 4,322 |
| Noninterest expense to average assets | 2.3409% | 4,449 |
| Loan and lease loss provision to assets | 0.0179% | 4,023 |
| Net operating income to assets | 1.0591% | 2,095 |
| Return on assets (ROA) | 1.1008% | 1,991 |
| Pretax return on assets | 1.5071% | 1,564 |
| Return on Equity (ROE) | 10.8251% | 1,644 |
| Retained earnings to average equity (ytd only) | 8.4970% | 701 |
| Net charge-offs to loans | 0.0300% | 3,418 |
| Credit loss provision to net charge-offs | 101.0000% | 2,540 |
| Earnings coverage of net charge-offs (x) | 83.0200% | 697 |
| Efficiency ratio | 61.4613% | 4,345 |
| Assets per employee ($millions) | 5.6093% | 1,776 |
| Cash dividends to net income (ytd only)* | 21.5066% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 3,345 |
| Loan loss allowance to noncurrent loans | 64.2620% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.1922% | 1,520 |
| Noncurrent loans to loans | 1.8117% | 1,046 |
| Net loans and leases to total assets | 60.4049% | 3,804 |
| Net loans and leases to deposits | 68.8242% | 4,024 |
| Net loans and leases to core deposits | 75.8468% | 3,760 |
| Total domestic deposits to total assets | 87.7670% | 1,760 |
| Equity capital to assets | 9.8917% | 3,830 |
| Core capital (leverage) ratio | 10.0478% | 3,428 |
| Tier 1 risk-based capital ratio | 15.9552% | 2,567 |
| Total risk-based capital ratio | 17.0608% | 2,551 |
| Memoranda: | ||
| Average total assets | $565,583,200 | 1,233 |
| Average earning assets | $541,064,200 | 1,188 |
| Average equity | $57,514,600 | 1,335 |
| Average total loans | $332,949,800 | 1,404 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 3,388 |
| Cost of funding earning assets | 0.3497% | 3,542 |
| Net interest margin | 3.6067% | 3,047 |
| Noninterest income to average assets | 0.3343% | 4,393 |
| Noninterest expense to average assets | 2.3191% | 4,490 |
| Loan and lease loss provision to assets | 0.0097% | 4,043 |
| Net operating income to assets | 1.0653% | 2,142 |
| Return on assets (ROA) | 1.0842% | 2,166 |
| Pretax return on assets | 1.4821% | 1,769 |
| Return on Equity (ROE) | 10.5889% | 1,833 |
| Retained earnings to average equity (ytd only) | 9.4852% | 693 |
| Net charge-offs to loans | 0.0199% | 3,303 |
| Credit loss provision to net charge-offs | 83.6735% | 2,619 |
| Earnings coverage of net charge-offs (x) | 126.5339% | 548 |
| Efficiency ratio | 61.2718% | 4,340 |
| Assets per employee ($millions) | 5.7783% | 1,594 |
| Cash dividends to net income (ytd only)* | 10.4231% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 3,204 |
| Loan loss allowance to noncurrent loans | 64.1706% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.1749% | 1,705 |
| Noncurrent loans to loans | 1.8778% | 1,075 |
| Net loans and leases to total assets | 57.0642% | 4,189 |
| Net loans and leases to deposits | 63.9906% | 4,490 |
| Net loans and leases to core deposits | 70.5147% | 4,286 |
| Total domestic deposits to total assets | 89.1759% | 813 |
| Equity capital to assets | 10.2540% | 3,853 |
| Core capital (leverage) ratio | 9.8950% | 3,701 |
| Tier 1 risk-based capital ratio | 16.5514% | 2,391 |
| Total risk-based capital ratio | 17.7112% | 2,383 |
| Memoranda: | ||
| Average total assets | $563,941,750 | 1,236 |
| Average earning assets | $539,535,750 | 1,193 |
| Average equity | $57,744,500 | 1,338 |
| Average total loans | $328,768,000 | 1,420 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 3,302 |
| Cost of funding earning assets | 0.3572% | 3,484 |
| Net interest margin | 3.6250% | 2,995 |
| Noninterest income to average assets | 0.3348% | 4,390 |
| Noninterest expense to average assets | 2.3427% | 4,491 |
| Loan and lease loss provision to assets | 0.0147% | 3,811 |
| Net operating income to assets | 1.0479% | 2,193 |
| Return on assets (ROA) | 1.0714% | 2,204 |
| Pretax return on assets | 1.4722% | 1,762 |
| Return on Equity (ROE) | 10.4689% | 1,862 |
| Retained earnings to average equity (ytd only) | 8.7931% | 905 |
| Net charge-offs to loans | -0.0006% | 4,305 |
| Credit loss provision to net charge-offs | -4,100.0000% | 5,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6933% | 4,389 |
| Assets per employee ($millions) | 5.7625% | 1,576 |
| Cash dividends to net income (ytd only)* | 16.0080% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 3,041 |
| Loan loss allowance to noncurrent loans | 62.6161% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.1768% | 1,778 |
| Noncurrent loans to loans | 2.0055% | 993 |
| Net loans and leases to total assets | 55.0109% | 4,413 |
| Net loans and leases to deposits | 61.5808% | 4,690 |
| Net loans and leases to core deposits | 68.4979% | 4,434 |
| Total domestic deposits to total assets | 89.3313% | 750 |
| Equity capital to assets | 10.0168% | 4,208 |
| Core capital (leverage) ratio | 10.0511% | 3,510 |
| Tier 1 risk-based capital ratio | 16.7998% | 2,306 |
| Total risk-based capital ratio | 18.0253% | 2,268 |
| Memoranda: | ||
| Average total assets | $557,387,670 | 1,254 |
| Average earning assets | $532,412,000 | 1,214 |
| Average equity | $57,045,000 | 1,356 |
| Average total loans | $325,993,670 | 1,432 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 2,965 |
| Cost of funding earning assets | 0.3723% | 3,372 |
| Net interest margin | 3.6980% | 2,677 |
| Noninterest income to average assets | 0.3305% | 4,366 |
| Noninterest expense to average assets | 2.4220% | 4,307 |
| Loan and lease loss provision to assets | 0.0118% | 3,534 |
| Net operating income to assets | 1.0446% | 2,104 |
| Return on assets (ROA) | 1.0446% | 2,219 |
| Pretax return on assets | 1.4364% | 1,789 |
| Return on Equity (ROE) | 10.0910% | 1,948 |
| Retained earnings to average equity (ytd only) | 6.6845% | 2,038 |
| Net charge-offs to loans | -0.0012% | 4,086 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5810% | 4,362 |
| Assets per employee ($millions) | 5.4129% | 1,910 |
| Cash dividends to net income (ytd only)* | 33.7571% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 3,215 |
| Loan loss allowance to noncurrent loans | 75.5732% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.0924% | 2,021 |
| Noncurrent loans to loans | 1.6499% | 1,373 |
| Net loans and leases to total assets | 59.7990% | 3,806 |
| Net loans and leases to deposits | 67.2332% | 4,131 |
| Net loans and leases to core deposits | 75.5511% | 3,724 |
| Total domestic deposits to total assets | 88.9428% | 1,132 |
| Equity capital to assets | 10.4891% | 3,510 |
| Core capital (leverage) ratio | 10.1252% | 3,397 |
| Tier 1 risk-based capital ratio | 16.4334% | 2,504 |
| Total risk-based capital ratio | 17.6591% | 2,469 |
| Memoranda: | ||
| Average total assets | $542,195,000 | 1,280 |
| Average earning assets | $518,988,500 | 1,242 |
| Average equity | $56,129,500 | 1,375 |
| Average total loans | $325,265,000 | 1,422 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1663% | 2,684 |
| Cost of funding earning assets | 0.4022% | 3,130 |
| Net interest margin | 3.7640% | 2,506 |
| Noninterest income to average assets | 0.3585% | 4,337 |
| Noninterest expense to average assets | 2.3838% | 4,552 |
| Loan and lease loss provision to assets | 0.0095% | 4,212 |
| Net operating income to assets | 1.1399% | 1,771 |
| Return on assets (ROA) | 1.1448% | 1,818 |
| Pretax return on assets | 1.5599% | 1,377 |
| Return on Equity (ROE) | 11.2790% | 1,521 |
| Retained earnings to average equity (ytd only) | 8.8435% | 692 |
| Net charge-offs to loans | 0.0294% | 3,631 |
| Credit loss provision to net charge-offs | 54.9451% | 3,332 |
| Earnings coverage of net charge-offs (x) | 90.3846% | 632 |
| Efficiency ratio | 60.4015% | 4,856 |
| Assets per employee ($millions) | 5.5989% | 1,699 |
| Cash dividends to net income (ytd only)* | 21.5934% | 3,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 3,104 |
| Loan loss allowance to noncurrent loans | 307.8669% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 4,367 |
| Noncurrent loans to loans | 0.4096% | 3,984 |
| Net loans and leases to total assets | 58.6792% | 4,003 |
| Net loans and leases to deposits | 65.5911% | 4,347 |
| Net loans and leases to core deposits | 73.9944% | 3,945 |
| Total domestic deposits to total assets | 89.4621% | 877 |
| Equity capital to assets | 10.2159% | 3,728 |
| Core capital (leverage) ratio | 9.9244% | 3,612 |
| Tier 1 risk-based capital ratio | 16.5423% | 2,457 |
| Total risk-based capital ratio | 17.7924% | 2,414 |
| Memoranda: | ||
| Average total assets | $526,308,600 | 1,286 |
| Average earning assets | $501,695,600 | 1,247 |
| Average equity | $53,417,800 | 1,400 |
| Average total loans | $309,802,600 | 1,432 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 2,675 |
| Cost of funding earning assets | 0.4099% | 3,123 |
| Net interest margin | 3.7616% | 2,521 |
| Noninterest income to average assets | 0.3621% | 4,340 |
| Noninterest expense to average assets | 2.4096% | 4,487 |
| Loan and lease loss provision to assets | 0.0064% | 4,129 |
| Net operating income to assets | 1.1260% | 1,911 |
| Return on assets (ROA) | 1.1254% | 1,984 |
| Pretax return on assets | 1.5281% | 1,606 |
| Return on Equity (ROE) | 11.1071% | 1,668 |
| Retained earnings to average equity (ytd only) | 9.9024% | 648 |
| Net charge-offs to loans | 0.0109% | 3,794 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 240.4980% | 299 |
| Efficiency ratio | 61.0823% | 4,717 |
| Assets per employee ($millions) | 5.4414% | 1,837 |
| Cash dividends to net income (ytd only)* | 10.8464% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 3,055 |
| Loan loss allowance to noncurrent loans | 313.5774% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 4,396 |
| Noncurrent loans to loans | 0.4164% | 4,113 |
| Net loans and leases to total assets | 58.2745% | 4,106 |
| Net loans and leases to deposits | 65.4001% | 4,435 |
| Net loans and leases to core deposits | 74.0789% | 4,009 |
| Total domestic deposits to total assets | 89.1047% | 972 |
| Equity capital to assets | 10.2858% | 3,832 |
| Core capital (leverage) ratio | 9.8991% | 3,771 |
| Tier 1 risk-based capital ratio | 15.9321% | 2,829 |
| Total risk-based capital ratio | 17.1664% | 2,780 |
| Memoranda: | ||
| Average total assets | $522,111,500 | 1,301 |
| Average earning assets | $497,293,000 | 1,264 |
| Average equity | $52,901,750 | 1,420 |
| Average total loans | $306,564,500 | 1,452 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 2,519 |
| Cost of funding earning assets | 0.4151% | 3,094 |
| Net interest margin | 3.7927% | 2,348 |
| Noninterest income to average assets | 0.3642% | 4,335 |
| Noninterest expense to average assets | 2.3854% | 4,597 |
| Loan and lease loss provision to assets | 0.0096% | 3,910 |
| Net operating income to assets | 1.1328% | 1,829 |
| Return on assets (ROA) | 1.1320% | 1,912 |
| Pretax return on assets | 1.5737% | 1,414 |
| Return on Equity (ROE) | 11.2301% | 1,606 |
| Retained earnings to average equity (ytd only) | 9.4005% | 801 |
| Net charge-offs to loans | 0.0290% | 3,089 |
| Credit loss provision to net charge-offs | 56.8182% | 2,625 |
| Earnings coverage of net charge-offs (x) | 93.3409% | 629 |
| Efficiency ratio | 60.0875% | 4,965 |
| Assets per employee ($millions) | 5.5704% | 1,681 |
| Cash dividends to net income (ytd only)* | 16.2918% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 3,064 |
| Loan loss allowance to noncurrent loans | 500.2445% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 4,854 |
| Noncurrent loans to loans | 0.2664% | 4,713 |
| Net loans and leases to total assets | 57.2463% | 4,191 |
| Net loans and leases to deposits | 63.9898% | 4,537 |
| Net loans and leases to core deposits | 71.9384% | 4,144 |
| Total domestic deposits to total assets | 89.4617% | 915 |
| Equity capital to assets | 10.0320% | 4,002 |
| Core capital (leverage) ratio | 9.8013% | 3,864 |
| Tier 1 risk-based capital ratio | 15.8736% | 2,916 |
| Total risk-based capital ratio | 17.1237% | 2,873 |
| Memoranda: | ||
| Average total assets | $518,396,330 | 1,316 |
| Average earning assets | $492,847,000 | 1,283 |
| Average equity | $52,252,330 | 1,442 |
| Average total loans | $303,798,000 | 1,466 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 2,327 |
| Cost of funding earning assets | 0.4227% | 3,036 |
| Net interest margin | 3.8124% | 2,191 |
| Noninterest income to average assets | 0.3774% | 4,182 |
| Noninterest expense to average assets | 2.4374% | 4,483 |
| Loan and lease loss provision to assets | 0.0195% | 3,459 |
| Net operating income to assets | 1.1120% | 1,828 |
| Return on assets (ROA) | 1.1103% | 1,941 |
| Pretax return on assets | 1.5400% | 1,425 |
| Return on Equity (ROE) | 10.9888% | 1,641 |
| Retained earnings to average equity (ytd only) | 7.3002% | 1,857 |
| Net charge-offs to loans | 0.0146% | 2,877 |
| Credit loss provision to net charge-offs | 227.2727% | 966 |
| Earnings coverage of net charge-offs (x) | 182.0909% | 306 |
| Efficiency ratio | 60.9476% | 4,974 |
| Assets per employee ($millions) | 5.2726% | 2,026 |
| Cash dividends to net income (ytd only)* | 33.5674% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 3,091 |
| Loan loss allowance to noncurrent loans | 263.9155% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 4,511 |
| Noncurrent loans to loans | 0.5162% | 4,028 |
| Net loans and leases to total assets | 57.8059% | 3,973 |
| Net loans and leases to deposits | 64.7718% | 4,292 |
| Net loans and leases to core deposits | 72.5839% | 3,906 |
| Total domestic deposits to total assets | 89.2455% | 1,118 |
| Equity capital to assets | 10.1451% | 3,953 |
| Core capital (leverage) ratio | 9.6864% | 4,031 |
| Tier 1 risk-based capital ratio | 11.9210% | 5,291 |
| Total risk-based capital ratio | 12.9029% | 5,369 |
| Memoranda: | ||
| Average total assets | $513,002,000 | 1,336 |
| Average earning assets | $487,356,500 | 1,302 |
| Average equity | $51,834,500 | 1,462 |
| Average total loans | $302,181,500 | 1,468 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 2,007 |
| Cost of funding earning assets | 0.4428% | 3,238 |
| Net interest margin | 4.0230% | 1,830 |
| Noninterest income to average assets | 0.4670% | 3,737 |
| Noninterest expense to average assets | 2.5057% | 4,530 |
| Loan and lease loss provision to assets | 0.0314% | 3,968 |
| Net operating income to assets | 1.2699% | 1,370 |
| Return on assets (ROA) | 1.2740% | 1,412 |
| Pretax return on assets | 1.7382% | 913 |
| Return on Equity (ROE) | 13.0794% | 1,118 |
| Retained earnings to average equity (ytd only) | 10.5305% | 438 |
| Net charge-offs to loans | 0.0198% | 4,451 |
| Credit loss provision to net charge-offs | 271.9298% | 937 |
| Earnings coverage of net charge-offs (x) | 152.6842% | 353 |
| Efficiency ratio | 58.6870% | 5,381 |
| Assets per employee ($millions) | 5.3051% | 1,954 |
| Cash dividends to net income (ytd only)* | 19.4878% | 3,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 3,118 |
| Loan loss allowance to noncurrent loans | 310.4985% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 4,698 |
| Noncurrent loans to loans | 0.4391% | 4,329 |
| Net loans and leases to total assets | 58.4020% | 4,004 |
| Net loans and leases to deposits | 65.2208% | 4,412 |
| Net loans and leases to core deposits | 72.7892% | 4,046 |
| Total domestic deposits to total assets | 89.5450% | 952 |
| Equity capital to assets | 10.0627% | 4,028 |
| Core capital (leverage) ratio | 9.4971% | 4,242 |
| Tier 1 risk-based capital ratio | 15.6336% | 3,169 |
| Total risk-based capital ratio | 16.8844% | 3,096 |
| Memoranda: | ||
| Average total assets | $493,388,600 | 1,349 |
| Average earning assets | $466,373,600 | 1,315 |
| Average equity | $48,060,200 | 1,500 |
| Average total loans | $287,926,200 | 1,482 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 2,052 |
| Cost of funding earning assets | 0.4433% | 3,333 |
| Net interest margin | 4.0060% | 1,860 |
| Noninterest income to average assets | 0.4735% | 3,726 |
| Noninterest expense to average assets | 2.5671% | 4,299 |
| Loan and lease loss provision to assets | 0.0082% | 4,253 |
| Net operating income to assets | 1.2381% | 1,558 |
| Return on assets (ROA) | 1.2436% | 1,599 |
| Pretax return on assets | 1.6920% | 1,082 |
| Return on Equity (ROE) | 12.8779% | 1,247 |
| Retained earnings to average equity (ytd only) | 11.5295% | 453 |
| Net charge-offs to loans | 0.0127% | 4,302 |
| Credit loss provision to net charge-offs | 111.1111% | 2,027 |
| Earnings coverage of net charge-offs (x) | 230.1053% | 289 |
| Efficiency ratio | 60.2648% | 5,143 |
| Assets per employee ($millions) | 5.2926% | 1,909 |
| Cash dividends to net income (ytd only)* | 10.4710% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 3,297 |
| Loan loss allowance to noncurrent loans | 277.1567% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 4,516 |
| Noncurrent loans to loans | 0.4952% | 4,438 |
| Net loans and leases to total assets | 56.2169% | 4,303 |
| Net loans and leases to deposits | 62.7268% | 4,675 |
| Net loans and leases to core deposits | 70.0215% | 4,320 |
| Total domestic deposits to total assets | 89.6218% | 924 |
| Equity capital to assets | 9.7284% | 4,517 |
| Core capital (leverage) ratio | 9.5773% | 4,274 |
| Tier 1 risk-based capital ratio | 15.6893% | 3,220 |
| Total risk-based capital ratio | 16.9399% | 3,156 |
| Memoranda: | ||
| Average total assets | $489,413,500 | 1,372 |
| Average earning assets | $462,561,250 | 1,334 |
| Average equity | $47,263,250 | 1,528 |
| Average total loans | $284,521,250 | 1,504 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 1,790 |
| Cost of funding earning assets | 0.4474% | 3,358 |
| Net interest margin | 4.0654% | 1,620 |
| Noninterest income to average assets | 0.4682% | 3,735 |
| Noninterest expense to average assets | 2.6243% | 4,159 |
| Loan and lease loss provision to assets | 0.0042% | 4,138 |
| Net operating income to assets | 1.2327% | 1,498 |
| Return on assets (ROA) | 1.2446% | 1,523 |
| Pretax return on assets | 1.6871% | 1,048 |
| Return on Equity (ROE) | 12.9222% | 1,196 |
| Retained earnings to average equity (ytd only) | 10.8605% | 557 |
| Net charge-offs to loans | 0.0156% | 3,919 |
| Credit loss provision to net charge-offs | 45.4545% | 2,857 |
| Earnings coverage of net charge-offs (x) | 183.2727% | 344 |
| Efficiency ratio | 61.0397% | 5,139 |
| Assets per employee ($millions) | 5.2189% | 1,949 |
| Cash dividends to net income (ytd only)* | 15.9546% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 3,376 |
| Loan loss allowance to noncurrent loans | 334.5318% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 4,083 |
| Noncurrent loans to loans | 0.4172% | 4,739 |
| Net loans and leases to total assets | 57.6253% | 4,031 |
| Net loans and leases to deposits | 64.3642% | 4,464 |
| Net loans and leases to core deposits | 72.0294% | 4,049 |
| Total domestic deposits to total assets | 89.5301% | 1,067 |
| Equity capital to assets | 9.8896% | 4,257 |
| Core capital (leverage) ratio | 9.5167% | 4,310 |
| Tier 1 risk-based capital ratio | 15.5570% | 3,328 |
| Total risk-based capital ratio | 16.8081% | 3,280 |
| Memoranda: | ||
| Average total assets | $481,423,000 | 1,392 |
| Average earning assets | $453,682,000 | 1,354 |
| Average equity | $46,369,670 | 1,545 |
| Average total loans | $281,820,000 | 1,513 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 1,846 |
| Cost of funding earning assets | 0.4482% | 3,448 |
| Net interest margin | 4.0401% | 1,629 |
| Noninterest income to average assets | 0.5134% | 3,309 |
| Noninterest expense to average assets | 2.6172% | 4,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2616% | 1,315 |
| Return on assets (ROA) | 1.2616% | 1,368 |
| Pretax return on assets | 1.6995% | 978 |
| Return on Equity (ROE) | 13.2814% | 1,090 |
| Retained earnings to average equity (ytd only) | 9.0603% | 1,226 |
| Net charge-offs to loans | 0.0229% | 3,115 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 126.6250% | 387 |
| Efficiency ratio | 60.6296% | 5,316 |
| Assets per employee ($millions) | 4.8858% | 2,388 |
| Cash dividends to net income (ytd only)* | 31.7819% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 3,485 |
| Loan loss allowance to noncurrent loans | 283.0737% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.6887% | 4,042 |
| Noncurrent loans to loans | 0.5034% | 4,655 |
| Net loans and leases to total assets | 56.5910% | 4,067 |
| Net loans and leases to deposits | 62.8434% | 4,455 |
| Net loans and leases to core deposits | 70.0919% | 4,083 |
| Total domestic deposits to total assets | 90.0507% | 1,049 |
| Equity capital to assets | 9.4388% | 4,581 |
| Core capital (leverage) ratio | 9.5495% | 4,212 |
| Tier 1 risk-based capital ratio | 15.7719% | 3,287 |
| Total risk-based capital ratio | 17.0238% | 3,251 |
| Memoranda: | ||
| Average total assets | $476,846,500 | 1,411 |
| Average earning assets | $448,896,500 | 1,376 |
| Average equity | $45,296,500 | 1,574 |
| Average total loans | $279,381,500 | 1,532 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5571% | 2,008 |
| Cost of funding earning assets | 0.4987% | 3,628 |
| Net interest margin | 4.0584% | 1,776 |
| Noninterest income to average assets | 0.3626% | 4,714 |
| Noninterest expense to average assets | 2.6389% | 4,319 |
| Loan and lease loss provision to assets | 0.0194% | 4,752 |
| Net operating income to assets | 1.1342% | 1,817 |
| Return on assets (ROA) | 1.1376% | 1,865 |
| Pretax return on assets | 1.5125% | 1,403 |
| Return on Equity (ROE) | 12.0468% | 1,407 |
| Retained earnings to average equity (ytd only) | 9.4201% | 673 |
| Net charge-offs to loans | 0.0330% | 4,772 |
| Credit loss provision to net charge-offs | 102.2727% | 2,364 |
| Earnings coverage of net charge-offs (x) | 80.3295% | 547 |
| Efficiency ratio | 63.3389% | 5,001 |
| Assets per employee ($millions) | 4.6512% | 2,654 |
| Cash dividends to net income (ytd only)* | 21.8044% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 3,452 |
| Loan loss allowance to noncurrent loans | 314.7451% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.8415% | 3,786 |
| Noncurrent loans to loans | 0.4582% | 4,850 |
| Net loans and leases to total assets | 58.9665% | 3,878 |
| Net loans and leases to deposits | 65.4100% | 4,365 |
| Net loans and leases to core deposits | 72.9420% | 3,957 |
| Total domestic deposits to total assets | 90.1491% | 1,007 |
| Equity capital to assets | 9.5626% | 4,331 |
| Core capital (leverage) ratio | 9.3780% | 4,439 |
| Tier 1 risk-based capital ratio | 15.6469% | 3,283 |
| Total risk-based capital ratio | 16.8991% | 3,237 |
| Memoranda: | ||
| Average total assets | $462,806,400 | 1,428 |
| Average earning assets | $433,764,400 | 1,402 |
| Average equity | $43,704,400 | 1,599 |
| Average total loans | $266,633,400 | 1,568 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5407% | 2,073 |
| Cost of funding earning assets | 0.5065% | 3,712 |
| Net interest margin | 4.0342% | 1,829 |
| Noninterest income to average assets | 0.3536% | 4,866 |
| Noninterest expense to average assets | 2.6537% | 4,187 |
| Loan and lease loss provision to assets | 0.0260% | 4,488 |
| Net operating income to assets | 1.1000% | 2,007 |
| Return on assets (ROA) | 1.1042% | 2,067 |
| Pretax return on assets | 1.4613% | 1,721 |
| Return on Equity (ROE) | 11.7300% | 1,570 |
| Retained earnings to average equity (ytd only) | 10.2653% | 735 |
| Net charge-offs to loans | 0.0410% | 4,328 |
| Credit loss provision to net charge-offs | 111.1111% | 2,120 |
| Earnings coverage of net charge-offs (x) | 63.4181% | 722 |
| Efficiency ratio | 64.1696% | 4,776 |
| Assets per employee ($millions) | 4.8709% | 2,342 |
| Cash dividends to net income (ytd only)* | 12.4870% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 3,547 |
| Loan loss allowance to noncurrent loans | 415.7187% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7714% | 4,176 |
| Noncurrent loans to loans | 0.3556% | 5,323 |
| Net loans and leases to total assets | 57.2940% | 4,122 |
| Net loans and leases to deposits | 65.0019% | 4,406 |
| Net loans and leases to core deposits | 73.0630% | 3,964 |
| Total domestic deposits to total assets | 88.1421% | 2,032 |
| Equity capital to assets | 9.3205% | 4,777 |
| Core capital (leverage) ratio | 9.1202% | 4,939 |
| Tier 1 risk-based capital ratio | 15.5837% | 3,421 |
| Total risk-based capital ratio | 16.8363% | 3,379 |
| Memoranda: | ||
| Average total assets | $462,229,250 | 1,436 |
| Average earning assets | $433,313,000 | 1,410 |
| Average equity | $43,511,250 | 1,617 |
| Average total loans | $263,723,000 | 1,584 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 2,112 |
| Cost of funding earning assets | 0.5120% | 3,789 |
| Net interest margin | 4.0095% | 1,827 |
| Noninterest income to average assets | 0.3762% | 4,701 |
| Noninterest expense to average assets | 2.7087% | 3,996 |
| Loan and lease loss provision to assets | 0.0391% | 4,169 |
| Net operating income to assets | 1.0411% | 2,145 |
| Return on assets (ROA) | 1.0473% | 2,248 |
| Pretax return on assets | 1.3917% | 1,961 |
| Return on Equity (ROE) | 11.0883% | 1,785 |
| Retained earnings to average equity (ytd only) | 8.8899% | 1,165 |
| Net charge-offs to loans | 0.0460% | 4,036 |
| Credit loss provision to net charge-offs | 150.0000% | 1,535 |
| Earnings coverage of net charge-offs (x) | 54.5833% | 753 |
| Efficiency ratio | 65.5662% | 4,623 |
| Assets per employee ($millions) | 4.8041% | 2,367 |
| Cash dividends to net income (ytd only)* | 19.8258% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 3,593 |
| Loan loss allowance to noncurrent loans | 435.4526% | 987 |
| Noncurrent assets plus other real estate owned to assets | 1.0259% | 3,702 |
| Noncurrent loans to loans | 0.3444% | 5,435 |
| Net loans and leases to total assets | 55.8096% | 4,327 |
| Net loans and leases to deposits | 61.8704% | 4,760 |
| Net loans and leases to core deposits | 69.4609% | 4,327 |
| Total domestic deposits to total assets | 90.2040% | 905 |
| Equity capital to assets | 9.0275% | 5,189 |
| Core capital (leverage) ratio | 8.8169% | 5,266 |
| Tier 1 risk-based capital ratio | 15.0742% | 3,730 |
| Total risk-based capital ratio | 16.3268% | 3,693 |
| Memoranda: | ||
| Average total assets | $460,438,330 | 1,439 |
| Average earning assets | $431,227,330 | 1,417 |
| Average equity | $43,487,330 | 1,620 |
| Average total loans | $260,988,000 | 1,597 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5287% | 2,072 |
| Cost of funding earning assets | 0.5257% | 3,833 |
| Net interest margin | 4.0029% | 1,769 |
| Noninterest income to average assets | 0.3639% | 4,753 |
| Noninterest expense to average assets | 2.7717% | 3,796 |
| Loan and lease loss provision to assets | 0.0265% | 4,134 |
| Net operating income to assets | 1.0073% | 2,193 |
| Return on assets (ROA) | 1.0202% | 2,261 |
| Pretax return on assets | 1.3285% | 2,129 |
| Return on Equity (ROE) | 10.5567% | 1,855 |
| Retained earnings to average equity (ytd only) | 6.1878% | 2,577 |
| Net charge-offs to loans | 0.1355% | 2,593 |
| Credit loss provision to net charge-offs | 34.4828% | 2,819 |
| Earnings coverage of net charge-offs (x) | 17.4138% | 1,318 |
| Efficiency ratio | 67.4404% | 4,425 |
| Assets per employee ($millions) | 4.5465% | 2,892 |
| Cash dividends to net income (ytd only)* | 41.3853% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 3,698 |
| Loan loss allowance to noncurrent loans | 336.7973% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 1.1048% | 3,723 |
| Noncurrent loans to loans | 0.4546% | 5,282 |
| Net loans and leases to total assets | 55.9364% | 4,089 |
| Net loans and leases to deposits | 62.3893% | 4,488 |
| Net loans and leases to core deposits | 70.3577% | 4,028 |
| Total domestic deposits to total assets | 89.6570% | 1,258 |
| Equity capital to assets | 9.6592% | 4,627 |
| Core capital (leverage) ratio | 8.9312% | 5,003 |
| Tier 1 risk-based capital ratio | 15.4912% | 3,530 |
| Total risk-based capital ratio | 16.7443% | 3,489 |
| Memoranda: | ||
| Average total assets | $452,857,000 | 1,483 |
| Average earning assets | $423,788,000 | 1,456 |
| Average equity | $43,763,500 | 1,632 |
| Average total loans | $256,746,000 | 1,626 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8562% | 1,999 |
| Cost of funding earning assets | 0.6053% | 4,293 |
| Net interest margin | 4.2509% | 1,516 |
| Noninterest income to average assets | 0.3738% | 4,805 |
| Noninterest expense to average assets | 2.5769% | 4,832 |
| Loan and lease loss provision to assets | 0.0693% | 4,881 |
| Net operating income to assets | 1.2689% | 1,402 |
| Return on assets (ROA) | 1.3009% | 1,443 |
| Pretax return on assets | 1.7451% | 1,030 |
| Return on Equity (ROE) | 13.8387% | 1,021 |
| Retained earnings to average equity (ytd only) | 11.0550% | 435 |
| Net charge-offs to loans | 0.0571% | 5,125 |
| Credit loss provision to net charge-offs | 215.6028% | 1,178 |
| Earnings coverage of net charge-offs (x) | 55.1277% | 637 |
| Efficiency ratio | 59.2567% | 5,658 |
| Assets per employee ($millions) | 4.5106% | 2,936 |
| Cash dividends to net income (ytd only)* | 20.1156% | 3,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,433 |
| Loan loss allowance to noncurrent loans | 516.8814% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.9216% | 4,192 |
| Noncurrent loans to loans | 0.3041% | 5,719 |
| Net loans and leases to total assets | 55.6933% | 4,346 |
| Net loans and leases to deposits | 62.1858% | 4,767 |
| Net loans and leases to core deposits | 69.6247% | 4,364 |
| Total domestic deposits to total assets | 89.5595% | 1,215 |
| Equity capital to assets | 9.6686% | 4,638 |
| Core capital (leverage) ratio | 8.8433% | 5,110 |
| Tier 1 risk-based capital ratio | 15.4386% | 3,467 |
| Total risk-based capital ratio | 16.6885% | 3,428 |
| Memoranda: | ||
| Average total assets | $438,711,000 | 1,507 |
| Average earning assets | $410,216,400 | 1,471 |
| Average equity | $41,239,400 | 1,696 |
| Average total loans | $246,936,000 | 1,672 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8608% | 2,151 |
| Cost of funding earning assets | 0.6162% | 4,488 |
| Net interest margin | 4.2446% | 1,610 |
| Noninterest income to average assets | 0.3587% | 4,955 |
| Noninterest expense to average assets | 2.5759% | 4,822 |
| Loan and lease loss provision to assets | 0.0686% | 4,819 |
| Net operating income to assets | 1.2594% | 1,543 |
| Return on assets (ROA) | 1.3023% | 1,583 |
| Pretax return on assets | 1.7394% | 1,183 |
| Return on Equity (ROE) | 13.9574% | 1,121 |
| Retained earnings to average equity (ytd only) | 12.3894% | 464 |
| Net charge-offs to loans | 0.0795% | 4,599 |
| Credit loss provision to net charge-offs | 153.4247% | 1,836 |
| Earnings coverage of net charge-offs (x) | 39.1785% | 897 |
| Efficiency ratio | 59.5359% | 5,572 |
| Assets per employee ($millions) | 4.9028% | 2,321 |
| Cash dividends to net income (ytd only)* | 11.2339% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 3,567 |
| Loan loss allowance to noncurrent loans | 531.9783% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.7778% | 4,766 |
| Noncurrent loans to loans | 0.2986% | 5,897 |
| Net loans and leases to total assets | 54.5224% | 4,665 |
| Net loans and leases to deposits | 60.9779% | 5,088 |
| Net loans and leases to core deposits | 68.5114% | 4,673 |
| Total domestic deposits to total assets | 89.4135% | 1,180 |
| Equity capital to assets | 9.7420% | 4,868 |
| Core capital (leverage) ratio | 8.8569% | 5,259 |
| Tier 1 risk-based capital ratio | 15.5970% | 3,479 |
| Total risk-based capital ratio | 16.8507% | 3,447 |
| Memoranda: | ||
| Average total assets | $435,623,750 | 1,527 |
| Average earning assets | $407,222,750 | 1,501 |
| Average equity | $40,646,500 | 1,733 |
| Average total loans | $244,864,750 | 1,699 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8696% | 2,230 |
| Cost of funding earning assets | 0.6210% | 4,708 |
| Net interest margin | 4.2486% | 1,609 |
| Noninterest income to average assets | 0.3693% | 4,878 |
| Noninterest expense to average assets | 2.5961% | 4,791 |
| Loan and lease loss provision to assets | 0.0736% | 4,706 |
| Net operating income to assets | 1.2412% | 1,581 |
| Return on assets (ROA) | 1.2756% | 1,667 |
| Pretax return on assets | 1.7037% | 1,244 |
| Return on Equity (ROE) | 13.8816% | 1,151 |
| Retained earnings to average equity (ytd only) | 11.4740% | 665 |
| Net charge-offs to loans | 0.0451% | 4,756 |
| Credit loss provision to net charge-offs | 289.0909% | 1,012 |
| Earnings coverage of net charge-offs (x) | 68.0182% | 577 |
| Efficiency ratio | 59.9893% | 5,576 |
| Assets per employee ($millions) | 5.0445% | 2,117 |
| Cash dividends to net income (ytd only)* | 17.3440% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6202% | 3,532 |
| Loan loss allowance to noncurrent loans | 345.4545% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 4,436 |
| Noncurrent loans to loans | 0.4690% | 5,595 |
| Net loans and leases to total assets | 54.0582% | 4,790 |
| Net loans and leases to deposits | 59.9892% | 5,238 |
| Net loans and leases to core deposits | 67.0137% | 4,894 |
| Total domestic deposits to total assets | 90.1133% | 863 |
| Equity capital to assets | 9.2287% | 5,433 |
| Core capital (leverage) ratio | 8.8181% | 5,187 |
| Tier 1 risk-based capital ratio | 15.2107% | 3,623 |
| Total risk-based capital ratio | 16.4651% | 3,585 |
| Memoranda: | ||
| Average total assets | $432,114,330 | 1,538 |
| Average earning assets | $402,580,330 | 1,518 |
| Average equity | $39,707,330 | 1,756 |
| Average total loans | $244,093,330 | 1,697 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 2,161 |
| Cost of funding earning assets | 0.6344% | 4,856 |
| Net interest margin | 4.2871% | 1,511 |
| Noninterest income to average assets | 0.3838% | 4,797 |
| Noninterest expense to average assets | 2.5846% | 4,875 |
| Loan and lease loss provision to assets | 0.0892% | 4,244 |
| Net operating income to assets | 1.2761% | 1,514 |
| Return on assets (ROA) | 1.3467% | 1,486 |
| Pretax return on assets | 1.7794% | 1,124 |
| Return on Equity (ROE) | 14.6889% | 1,045 |
| Retained earnings to average equity (ytd only) | 9.7960% | 1,320 |
| Net charge-offs to loans | 0.0442% | 4,075 |
| Credit loss provision to net charge-offs | 351.8519% | 868 |
| Earnings coverage of net charge-offs (x) | 70.0741% | 475 |
| Efficiency ratio | 59.2768% | 5,726 |
| Assets per employee ($millions) | 4.8454% | 2,454 |
| Cash dividends to net income (ytd only)* | 33.3101% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 3,725 |
| Loan loss allowance to noncurrent loans | 333.8448% | 996 |
| Noncurrent assets plus other real estate owned to assets | 1.1187% | 4,262 |
| Noncurrent loans to loans | 0.4786% | 5,715 |
| Net loans and leases to total assets | 56.5566% | 4,282 |
| Net loans and leases to deposits | 62.7738% | 4,800 |
| Net loans and leases to core deposits | 69.9100% | 4,436 |
| Total domestic deposits to total assets | 90.0960% | 1,031 |
| Equity capital to assets | 9.2420% | 5,175 |
| Core capital (leverage) ratio | 8.7729% | 5,164 |
| Tier 1 risk-based capital ratio | 14.7046% | 3,952 |
| Total risk-based capital ratio | 15.9589% | 3,907 |
| Memoranda: | ||
| Average total assets | $426,212,500 | 1,562 |
| Average earning assets | $395,324,000 | 1,535 |
| Average equity | $39,077,000 | 1,775 |
| Average total loans | $244,177,000 | 1,696 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2486% | 1,880 |
| Cost of funding earning assets | 0.7200% | 5,407 |
| Net interest margin | 4.5286% | 1,071 |
| Noninterest income to average assets | 0.4278% | 4,384 |
| Noninterest expense to average assets | 2.7736% | 4,460 |
| Loan and lease loss provision to assets | 0.1706% | 4,507 |
| Net operating income to assets | 1.2714% | 1,319 |
| Return on assets (ROA) | 1.3001% | 1,352 |
| Pretax return on assets | 1.7728% | 851 |
| Return on Equity (ROE) | 14.0639% | 914 |
| Retained earnings to average equity (ytd only) | 11.0343% | 398 |
| Net charge-offs to loans | 0.1286% | 5,111 |
| Credit loss provision to net charge-offs | 216.9935% | 1,124 |
| Earnings coverage of net charge-offs (x) | 24.2190% | 994 |
| Efficiency ratio | 59.2936% | 5,859 |
| Assets per employee ($millions) | 4.6308% | 2,712 |
| Cash dividends to net income (ytd only)* | 21.5415% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 3,657 |
| Loan loss allowance to noncurrent loans | 221.7867% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 1.1109% | 4,388 |
| Noncurrent loans to loans | 0.7132% | 5,273 |
| Net loans and leases to total assets | 56.2015% | 4,666 |
| Net loans and leases to deposits | 62.2676% | 5,205 |
| Net loans and leases to core deposits | 69.2066% | 4,880 |
| Total domestic deposits to total assets | 90.2580% | 848 |
| Equity capital to assets | 9.0948% | 5,416 |
| Core capital (leverage) ratio | 8.6082% | 5,381 |
| Tier 1 risk-based capital ratio | 14.5040% | 3,971 |
| Total risk-based capital ratio | 15.7582% | 3,946 |
| Memoranda: | ||
| Average total assets | $389,207,200 | 1,662 |
| Average earning assets | $365,259,000 | 1,616 |
| Average equity | $35,978,600 | 1,888 |
| Average total loans | $237,879,400 | 1,764 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3350% | 1,736 |
| Cost of funding earning assets | 0.7371% | 5,549 |
| Net interest margin | 4.5980% | 949 |
| Noninterest income to average assets | 0.4460% | 4,324 |
| Noninterest expense to average assets | 2.8859% | 3,990 |
| Loan and lease loss provision to assets | 0.1716% | 4,321 |
| Net operating income to assets | 1.2606% | 1,484 |
| Return on assets (ROA) | 1.3003% | 1,465 |
| Pretax return on assets | 1.7607% | 1,025 |
| Return on Equity (ROE) | 14.0031% | 1,038 |
| Retained earnings to average equity (ytd only) | 12.1970% | 479 |
| Net charge-offs to loans | 0.1336% | 4,720 |
| Credit loss provision to net charge-offs | 206.3291% | 1,420 |
| Earnings coverage of net charge-offs (x) | 22.5909% | 1,147 |
| Efficiency ratio | 60.5715% | 5,626 |
| Assets per employee ($millions) | 4.4640% | 2,985 |
| Cash dividends to net income (ytd only)* | 12.8981% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 3,841 |
| Loan loss allowance to noncurrent loans | 214.8106% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 1.2518% | 4,296 |
| Noncurrent loans to loans | 0.7269% | 5,421 |
| Net loans and leases to total assets | 58.7158% | 4,370 |
| Net loans and leases to deposits | 65.4043% | 4,988 |
| Net loans and leases to core deposits | 73.1732% | 4,566 |
| Total domestic deposits to total assets | 89.7737% | 997 |
| Equity capital to assets | 9.4682% | 5,136 |
| Core capital (leverage) ratio | 8.5881% | 5,573 |
| Tier 1 risk-based capital ratio | 14.4650% | 4,001 |
| Total risk-based capital ratio | 15.7188% | 3,969 |
| Memoranda: | ||
| Average total assets | $380,000,750 | 1,714 |
| Average earning assets | $356,902,000 | 1,664 |
| Average equity | $35,286,500 | 1,912 |
| Average total loans | $236,528,000 | 1,787 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3860% | 1,608 |
| Cost of funding earning assets | 0.7474% | 5,689 |
| Net interest margin | 4.6385% | 842 |
| Noninterest income to average assets | 0.4571% | 4,229 |
| Noninterest expense to average assets | 2.9071% | 3,994 |
| Loan and lease loss provision to assets | 0.1604% | 4,316 |
| Net operating income to assets | 1.2910% | 1,344 |
| Return on assets (ROA) | 1.2910% | 1,415 |
| Pretax return on assets | 1.7519% | 957 |
| Return on Equity (ROE) | 14.0010% | 980 |
| Retained earnings to average equity (ytd only) | 11.2194% | 630 |
| Net charge-offs to loans | 0.1843% | 4,057 |
| Credit loss provision to net charge-offs | 137.7880% | 2,215 |
| Earnings coverage of net charge-offs (x) | 16.4240% | 1,341 |
| Efficiency ratio | 60.3206% | 5,822 |
| Assets per employee ($millions) | 4.2455% | 3,266 |
| Cash dividends to net income (ytd only)* | 19.8670% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 4,138 |
| Loan loss allowance to noncurrent loans | 330.1294% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 5,451 |
| Noncurrent loans to loans | 0.4543% | 6,004 |
| Net loans and leases to total assets | 61.4005% | 4,008 |
| Net loans and leases to deposits | 68.2680% | 4,665 |
| Net loans and leases to core deposits | 76.0698% | 4,311 |
| Total domestic deposits to total assets | 89.9405% | 1,006 |
| Equity capital to assets | 9.4366% | 4,914 |
| Core capital (leverage) ratio | 8.9062% | 4,868 |
| Tier 1 risk-based capital ratio | 12.5621% | 5,279 |
| Total risk-based capital ratio | 13.8131% | 5,254 |
| Memoranda: | ||
| Average total assets | $372,748,670 | 1,759 |
| Average earning assets | $350,541,330 | 1,711 |
| Average equity | $34,369,000 | 1,942 |
| Average total loans | $235,491,670 | 1,817 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3878% | 1,601 |
| Cost of funding earning assets | 0.7713% | 5,744 |
| Net interest margin | 4.6164% | 836 |
| Noninterest income to average assets | 0.4543% | 4,243 |
| Noninterest expense to average assets | 2.8951% | 4,078 |
| Loan and lease loss provision to assets | 0.1674% | 3,952 |
| Net operating income to assets | 1.2910% | 1,295 |
| Return on assets (ROA) | 1.2910% | 1,336 |
| Pretax return on assets | 1.7301% | 928 |
| Return on Equity (ROE) | 14.1745% | 957 |
| Retained earnings to average equity (ytd only) | 8.4713% | 1,560 |
| Net charge-offs to loans | 0.0393% | 4,565 |
| Credit loss provision to net charge-offs | 669.5652% | 562 |
| Earnings coverage of net charge-offs (x) | 75.9130% | 409 |
| Efficiency ratio | 60.4082% | 5,923 |
| Assets per employee ($millions) | 4.2148% | 3,436 |
| Cash dividends to net income (ytd only)* | 40.2357% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 4,021 |
| Loan loss allowance to noncurrent loans | 183.1563% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9094% | 5,079 |
| Noncurrent loans to loans | 0.8390% | 5,361 |
| Net loans and leases to total assets | 62.5529% | 3,745 |
| Net loans and leases to deposits | 69.3663% | 4,454 |
| Net loans and leases to core deposits | 77.4956% | 4,090 |
| Total domestic deposits to total assets | 90.1776% | 1,040 |
| Equity capital to assets | 9.2284% | 4,838 |
| Core capital (leverage) ratio | 8.8103% | 4,910 |
| Tier 1 risk-based capital ratio | 13.8401% | 4,188 |
| Total risk-based capital ratio | 15.0940% | 4,159 |
| Memoranda: | ||
| Average total assets | $368,075,000 | 1,790 |
| Average earning assets | $345,893,500 | 1,740 |
| Average equity | $33,525,000 | 1,966 |
| Average total loans | $234,147,000 | 1,840 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6171% | 1,829 |
| Cost of funding earning assets | 0.9836% | 5,764 |
| Net interest margin | 4.6335% | 940 |
| Noninterest income to average assets | 0.4448% | 4,561 |
| Noninterest expense to average assets | 2.8189% | 4,524 |
| Loan and lease loss provision to assets | 0.3060% | 4,355 |
| Net operating income to assets | 1.2244% | 1,360 |
| Return on assets (ROA) | 1.2952% | 1,243 |
| Pretax return on assets | 1.7864% | 784 |
| Return on Equity (ROE) | 14.4187% | 811 |
| Retained earnings to average equity (ytd only) | 10.9841% | 380 |
| Net charge-offs to loans | 0.1506% | 5,448 |
| Credit loss provision to net charge-offs | 318.2353% | 820 |
| Earnings coverage of net charge-offs (x) | 20.7529% | 989 |
| Efficiency ratio | 58.5526% | 6,274 |
| Assets per employee ($millions) | 4.1983% | 3,386 |
| Cash dividends to net income (ytd only)* | 23.8210% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 4,012 |
| Loan loss allowance to noncurrent loans | 188.9551% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.9667% | 5,073 |
| Noncurrent loans to loans | 0.7938% | 5,452 |
| Net loans and leases to total assets | 62.7445% | 4,123 |
| Net loans and leases to deposits | 69.1876% | 4,933 |
| Net loans and leases to core deposits | 77.3900% | 4,537 |
| Total domestic deposits to total assets | 90.6875% | 754 |
| Equity capital to assets | 8.9861% | 5,163 |
| Core capital (leverage) ratio | 8.5968% | 5,198 |
| Tier 1 risk-based capital ratio | 13.9279% | 3,913 |
| Total risk-based capital ratio | 15.1816% | 3,880 |
| Memoranda: | ||
| Average total assets | $353,614,400 | 1,848 |
| Average earning assets | $333,461,400 | 1,793 |
| Average equity | $31,764,200 | 2,067 |
| Average total loans | $225,712,800 | 1,933 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6419% | 1,908 |
| Cost of funding earning assets | 1.0314% | 5,792 |
| Net interest margin | 4.6105% | 1,020 |
| Noninterest income to average assets | 0.4680% | 4,431 |
| Noninterest expense to average assets | 2.8133% | 4,428 |
| Loan and lease loss provision to assets | 0.3536% | 3,786 |
| Net operating income to assets | 1.1845% | 1,638 |
| Return on assets (ROA) | 1.2782% | 1,471 |
| Pretax return on assets | 1.7834% | 959 |
| Return on Equity (ROE) | 14.2304% | 986 |
| Retained earnings to average equity (ytd only) | 12.2072% | 435 |
| Net charge-offs to loans | 0.1923% | 4,801 |
| Credit loss provision to net charge-offs | 287.9257% | 1,121 |
| Earnings coverage of net charge-offs (x) | 16.3435% | 1,383 |
| Efficiency ratio | 58.3642% | 6,208 |
| Assets per employee ($millions) | 4.3284% | 3,208 |
| Cash dividends to net income (ytd only)* | 14.2178% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 4,143 |
| Loan loss allowance to noncurrent loans | 164.0587% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.0767% | 4,959 |
| Noncurrent loans to loans | 0.8918% | 5,456 |
| Net loans and leases to total assets | 62.8915% | 4,349 |
| Net loans and leases to deposits | 69.8514% | 5,171 |
| Net loans and leases to core deposits | 78.0646% | 4,793 |
| Total domestic deposits to total assets | 90.0362% | 861 |
| Equity capital to assets | 9.3256% | 5,094 |
| Core capital (leverage) ratio | 8.6747% | 5,230 |
| Tier 1 risk-based capital ratio | 13.9532% | 3,877 |
| Total risk-based capital ratio | 15.2071% | 3,833 |
| Memoranda: | ||
| Average total assets | $350,705,250 | 1,895 |
| Average earning assets | $331,060,250 | 1,832 |
| Average equity | $31,499,750 | 2,096 |
| Average total loans | $223,974,750 | 1,967 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6330% | 2,012 |
| Cost of funding earning assets | 1.0939% | 5,708 |
| Net interest margin | 4.5392% | 1,125 |
| Noninterest income to average assets | 0.4738% | 4,328 |
| Noninterest expense to average assets | 2.7949% | 4,503 |
| Loan and lease loss provision to assets | 0.3967% | 3,340 |
| Net operating income to assets | 1.1386% | 1,729 |
| Return on assets (ROA) | 1.2632% | 1,465 |
| Pretax return on assets | 1.7450% | 969 |
| Return on Equity (ROE) | 14.2514% | 984 |
| Retained earnings to average equity (ytd only) | 11.1508% | 621 |
| Net charge-offs to loans | 0.1881% | 4,482 |
| Credit loss provision to net charge-offs | 330.1435% | 1,110 |
| Earnings coverage of net charge-offs (x) | 16.3828% | 1,406 |
| Efficiency ratio | 58.6723% | 6,280 |
| Assets per employee ($millions) | 4.4047% | 3,043 |
| Cash dividends to net income (ytd only)* | 21.7569% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 4,301 |
| Loan loss allowance to noncurrent loans | 166.7011% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 1.2595% | 4,627 |
| Noncurrent loans to loans | 0.8562% | 5,550 |
| Net loans and leases to total assets | 63.2851% | 4,399 |
| Net loans and leases to deposits | 70.2707% | 5,234 |
| Net loans and leases to core deposits | 78.2162% | 4,915 |
| Total domestic deposits to total assets | 90.0591% | 899 |
| Equity capital to assets | 9.0118% | 5,429 |
| Core capital (leverage) ratio | 8.3549% | 5,656 |
| Tier 1 risk-based capital ratio | 13.6245% | 3,989 |
| Total risk-based capital ratio | 14.8776% | 3,947 |
| Memoranda: | ||
| Average total assets | $347,853,670 | 1,924 |
| Average earning assets | $328,738,670 | 1,855 |
| Average equity | $30,832,000 | 2,139 |
| Average total loans | $222,200,000 | 2,003 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5641% | 2,310 |
| Cost of funding earning assets | 1.1368% | 5,722 |
| Net interest margin | 4.4273% | 1,307 |
| Noninterest income to average assets | 0.4664% | 4,328 |
| Noninterest expense to average assets | 2.8021% | 4,472 |
| Loan and lease loss provision to assets | 0.5208% | 2,417 |
| Net operating income to assets | 0.9228% | 2,461 |
| Return on assets (ROA) | 1.1632% | 1,715 |
| Pretax return on assets | 1.6841% | 1,089 |
| Return on Equity (ROE) | 13.2365% | 1,206 |
| Retained earnings to average equity (ytd only) | 6.9409% | 2,159 |
| Net charge-offs to loans | 0.0872% | 4,550 |
| Credit loss provision to net charge-offs | 937.5000% | 493 |
| Earnings coverage of net charge-offs (x) | 33.4167% | 805 |
| Efficiency ratio | 60.1491% | 6,145 |
| Assets per employee ($millions) | 4.3006% | 3,287 |
| Cash dividends to net income (ytd only)* | 47.5622% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 4,401 |
| Loan loss allowance to noncurrent loans | 104.5817% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.2278% | 4,722 |
| Noncurrent loans to loans | 1.3433% | 4,732 |
| Net loans and leases to total assets | 63.4636% | 4,436 |
| Net loans and leases to deposits | 69.9394% | 5,349 |
| Net loans and leases to core deposits | 78.2379% | 4,996 |
| Total domestic deposits to total assets | 90.7408% | 640 |
| Equity capital to assets | 8.7617% | 5,622 |
| Core capital (leverage) ratio | 8.2355% | 5,853 |
| Tier 1 risk-based capital ratio | 13.2445% | 4,174 |
| Total risk-based capital ratio | 14.4979% | 4,114 |
| Memoranda: | ||
| Average total assets | $345,594,500 | 1,981 |
| Average earning assets | $327,242,000 | 1,909 |
| Average equity | $30,370,500 | 2,198 |
| Average total loans | $220,186,000 | 2,077 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9060% | 2,206 |
| Cost of funding earning assets | 1.4352% | 5,779 |
| Net interest margin | 4.4707% | 1,236 |
| Noninterest income to average assets | 0.4842% | 4,532 |
| Noninterest expense to average assets | 2.8843% | 4,593 |
| Loan and lease loss provision to assets | 0.2347% | 5,491 |
| Net operating income to assets | 1.1163% | 1,472 |
| Return on assets (ROA) | 1.1202% | 1,497 |
| Pretax return on assets | 1.5375% | 1,104 |
| Return on Equity (ROE) | 12.8674% | 990 |
| Retained earnings to average equity (ytd only) | 9.0905% | 483 |
| Net charge-offs to loans | 0.1485% | 5,756 |
| Credit loss provision to net charge-offs | 252.8620% | 1,396 |
| Earnings coverage of net charge-offs (x) | 19.0337% | 1,102 |
| Efficiency ratio | 62.0120% | 6,154 |
| Assets per employee ($millions) | 4.2326% | 3,371 |
| Cash dividends to net income (ytd only)* | 29.3527% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 4,933 |
| Loan loss allowance to noncurrent loans | 200.7305% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.7111% | 5,687 |
| Noncurrent loans to loans | 0.6334% | 5,968 |
| Net loans and leases to total assets | 62.2445% | 4,940 |
| Net loans and leases to deposits | 69.8802% | 5,620 |
| Net loans and leases to core deposits | 99.7481% | 4,031 |
| Total domestic deposits to total assets | 89.0731% | 1,450 |
| Equity capital to assets | 8.8145% | 5,409 |
| Core capital (leverage) ratio | 8.1002% | 5,994 |
| Tier 1 risk-based capital ratio | 13.4279% | 3,867 |
| Total risk-based capital ratio | 14.6789% | 3,813 |
| Memoranda: | ||
| Average total assets | $319,940,600 | 2,112 |
| Average earning assets | $298,206,000 | 2,084 |
| Average equity | $27,853,400 | 2,389 |
| Average total loans | $200,026,800 | 2,300 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9093% | 2,410 |
| Cost of funding earning assets | 1.4764% | 5,931 |
| Net interest margin | 4.4329% | 1,359 |
| Noninterest income to average assets | 0.4986% | 4,495 |
| Noninterest expense to average assets | 2.8735% | 4,556 |
| Loan and lease loss provision to assets | 0.2380% | 5,063 |
| Net operating income to assets | 1.0906% | 1,768 |
| Return on assets (ROA) | 1.0918% | 1,821 |
| Pretax return on assets | 1.5000% | 1,420 |
| Return on Equity (ROE) | 12.5839% | 1,211 |
| Retained earnings to average equity (ytd only) | 10.2461% | 590 |
| Net charge-offs to loans | 0.1347% | 5,351 |
| Credit loss provision to net charge-offs | 283.3333% | 1,479 |
| Earnings coverage of net charge-offs (x) | 20.6669% | 1,228 |
| Efficiency ratio | 62.3343% | 6,052 |
| Assets per employee ($millions) | 4.3110% | 3,190 |
| Cash dividends to net income (ytd only)* | 18.5776% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 4,643 |
| Loan loss allowance to noncurrent loans | 452.6405% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 6,332 |
| Noncurrent loans to loans | 0.2819% | 6,807 |
| Net loans and leases to total assets | 59.5973% | 5,647 |
| Net loans and leases to deposits | 65.3850% | 6,365 |
| Net loans and leases to core deposits | 95.9360% | 4,823 |
| Total domestic deposits to total assets | 91.1483% | 365 |
| Equity capital to assets | 8.4519% | 6,310 |
| Core capital (leverage) ratio | 8.1545% | 6,096 |
| Tier 1 risk-based capital ratio | 13.6927% | 3,716 |
| Total risk-based capital ratio | 14.9434% | 3,670 |
| Memoranda: | ||
| Average total assets | $314,215,000 | 2,149 |
| Average earning assets | $291,418,000 | 2,129 |
| Average equity | $27,261,750 | 2,454 |
| Average total loans | $195,996,250 | 2,359 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9833% | 2,252 |
| Cost of funding earning assets | 1.4780% | 6,231 |
| Net interest margin | 4.5053% | 1,159 |
| Noninterest income to average assets | 0.5138% | 4,319 |
| Noninterest expense to average assets | 2.9698% | 4,207 |
| Loan and lease loss provision to assets | 0.2816% | 4,321 |
| Net operating income to assets | 1.0323% | 2,001 |
| Return on assets (ROA) | 1.0342% | 2,071 |
| Pretax return on assets | 1.4145% | 1,684 |
| Return on Equity (ROE) | 11.8050% | 1,479 |
| Retained earnings to average equity (ytd only) | 8.2155% | 1,145 |
| Net charge-offs to loans | 0.1803% | 4,446 |
| Credit loss provision to net charge-offs | 247.3988% | 1,881 |
| Earnings coverage of net charge-offs (x) | 14.8786% | 1,628 |
| Efficiency ratio | 63.6851% | 5,969 |
| Assets per employee ($millions) | 3.9653% | 3,748 |
| Cash dividends to net income (ytd only)* | 30.4071% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 4,429 |
| Loan loss allowance to noncurrent loans | 824.9191% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 6,442 |
| Noncurrent loans to loans | 0.1545% | 7,137 |
| Net loans and leases to total assets | 62.2313% | 5,324 |
| Net loans and leases to deposits | 68.4242% | 6,141 |
| Net loans and leases to core deposits | 95.0032% | 5,005 |
| Total domestic deposits to total assets | 90.9492% | 467 |
| Equity capital to assets | 8.7110% | 5,737 |
| Core capital (leverage) ratio | 8.4348% | 5,557 |
| Tier 1 risk-based capital ratio | 13.8712% | 3,595 |
| Total risk-based capital ratio | 15.1222% | 3,529 |
| Memoranda: | ||
| Average total assets | $303,992,330 | 2,232 |
| Average earning assets | $279,981,330 | 2,226 |
| Average equity | $26,632,670 | 2,509 |
| Average total loans | $191,929,000 | 2,436 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9697% | 2,479 |
| Cost of funding earning assets | 1.4612% | 6,535 |
| Net interest margin | 4.5085% | 1,115 |
| Noninterest income to average assets | 0.5555% | 3,872 |
| Noninterest expense to average assets | 2.8422% | 4,370 |
| Loan and lease loss provision to assets | 0.3201% | 3,412 |
| Net operating income to assets | 1.1148% | 1,909 |
| Return on assets (ROA) | 1.1178% | 2,026 |
| Pretax return on assets | 1.5267% | 1,591 |
| Return on Equity (ROE) | 12.7198% | 1,459 |
| Retained earnings to average equity (ytd only) | 5.4032% | 2,904 |
| Net charge-offs to loans | 0.3406% | 2,723 |
| Credit loss provision to net charge-offs | 148.7500% | 2,809 |
| Earnings coverage of net charge-offs (x) | 8.5625% | 2,176 |
| Efficiency ratio | 60.6661% | 6,297 |
| Assets per employee ($millions) | 1.7017% | 8,061 |
| Cash dividends to net income (ytd only)* | 57.5211% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 4,428 |
| Loan loss allowance to noncurrent loans | 2,062.6087% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 6,442 |
| Noncurrent loans to loans | 0.0606% | 7,360 |
| Net loans and leases to total assets | 60.8094% | 5,532 |
| Net loans and leases to deposits | 66.8161% | 6,296 |
| Net loans and leases to core deposits | 90.2152% | 5,533 |
| Total domestic deposits to total assets | 91.0101% | 411 |
| Equity capital to assets | 8.6256% | 5,878 |
| Core capital (leverage) ratio | 8.6828% | 5,180 |
| Tier 1 risk-based capital ratio | 13.9556% | 3,618 |
| Total risk-based capital ratio | 15.2060% | 3,541 |
| Memoranda: | ||
| Average total assets | $297,378,500 | 2,287 |
| Average earning assets | $272,374,000 | 2,277 |
| Average equity | $26,132,500 | 2,559 |
| Average total loans | $187,914,000 | 2,495 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6314% | 2,333 |
| Cost of funding earning assets | 2.1315% | 5,926 |
| Net interest margin | 4.4999% | 1,420 |
| Noninterest income to average assets | 0.5831% | 3,983 |
| Noninterest expense to average assets | 3.0373% | 3,946 |
| Loan and lease loss provision to assets | 0.3561% | 3,551 |
| Net operating income to assets | 0.9527% | 2,779 |
| Return on assets (ROA) | 0.9662% | 2,591 |
| Pretax return on assets | 1.3511% | 2,125 |
| Return on Equity (ROE) | 9.9588% | 2,275 |
| Retained earnings to average equity (ytd only) | 5.7292% | 1,652 |
| Net charge-offs to loans | 0.1618% | 4,579 |
| Credit loss provision to net charge-offs | 326.0714% | 1,384 |
| Earnings coverage of net charge-offs (x) | 15.4607% | 1,929 |
| Efficiency ratio | 64.2704% | 5,504 |
| Assets per employee ($millions) | 3.7731% | 4,018 |
| Cash dividends to net income (ytd only)* | 42.4707% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 4,290 |
| Loan loss allowance to noncurrent loans | 425.6030% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 6,564 |
| Noncurrent loans to loans | 0.2895% | 6,509 |
| Net loans and leases to total assets | 64.1201% | 5,247 |
| Net loans and leases to deposits | 70.6002% | 6,210 |
| Net loans and leases to core deposits | 93.7696% | 5,466 |
| Total domestic deposits to total assets | 90.8215% | 377 |
| Equity capital to assets | 8.9616% | 5,418 |
| Core capital (leverage) ratio | 9.3544% | 4,225 |
| Tier 1 risk-based capital ratio | 14.4699% | 3,314 |
| Total risk-based capital ratio | 15.7207% | 3,223 |
| Memoranda: | ||
| Average total assets | $256,378,200 | 2,498 |
| Average earning assets | $236,029,200 | 2,492 |
| Average equity | $24,872,400 | 2,648 |
| Average total loans | $173,013,400 | 2,578 |