Home > Hometown National Bank > Performance and Condition Ratios
Hometown National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1102% | 3,782 |
| Cost of funding earning assets | 1.2117% | 2,770 |
| Net interest margin | 2.8985% | 3,493 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 2.5048% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8248% | 2,789 |
| Return on assets (ROA) | 0.8186% | 2,792 |
| Pretax return on assets | 1.0857% | 2,448 |
| Return on Equity (ROE) | 10.1000% | 2,474 |
| Retained earnings to average equity (ytd only) | 10.0962% | 996 |
| Net charge-offs to loans | -0.0515% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.5111% | 1,955 |
| Assets per employee ($millions) | 6.8946% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 2,003 |
| Loan loss allowance to noncurrent loans | 60.1268% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.1442% | 395 |
| Noncurrent loans to loans | 2.0817% | 265 |
| Net loans and leases to total assets | 54.2800% | 3,330 |
| Net loans and leases to deposits | 61.5320% | 3,439 |
| Net loans and leases to core deposits | 63.2851% | 3,626 |
| Total domestic deposits to total assets | 88.2100% | 1,283 |
| Equity capital to assets | 9.0505% | 2,641 |
| Core capital (leverage) ratio | 10.1493% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2971% | 1,206 |
| Memoranda: | ||
| Average total assets | $308,085,200 | 2,389 |
| Average earning assets | $293,391,400 | 2,339 |
| Average equity | $24,979,800 | 2,519 |
| Average total loans | $166,951,000 | 2,544 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9520% | 3,918 |
| Cost of funding earning assets | 1.1115% | 2,711 |
| Net interest margin | 2.8405% | 3,657 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 2.5039% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7789% | 3,088 |
| Return on assets (ROA) | 0.7799% | 3,075 |
| Pretax return on assets | 1.0386% | 2,746 |
| Return on Equity (ROE) | 9.9000% | 2,663 |
| Retained earnings to average equity (ytd only) | 9.9009% | 1,431 |
| Net charge-offs to loans | -0.0439% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.6112% | 1,723 |
| Assets per employee ($millions) | 7.1097% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,123 |
| Loan loss allowance to noncurrent loans | 37.5868% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.7486% | 180 |
| Noncurrent loans to loans | 3.3165% | 115 |
| Net loans and leases to total assets | 52.0700% | 3,490 |
| Net loans and leases to deposits | 58.1788% | 3,599 |
| Net loans and leases to core deposits | 60.0414% | 3,703 |
| Total domestic deposits to total assets | 89.4900% | 1,075 |
| Equity capital to assets | 7.9098% | 3,111 |
| Core capital (leverage) ratio | 9.8823% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5673% | 1,415 |
| Memoranda: | ||
| Average total assets | $309,265,500 | 2,383 |
| Average earning assets | $294,260,500 | 2,338 |
| Average equity | $24,360,750 | 2,542 |
| Average total loans | $167,003,500 | 2,553 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 3,923 |
| Cost of funding earning assets | 0.9869% | 2,646 |
| Net interest margin | 2.8837% | 3,674 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 2.5020% | 2,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8175% | 3,030 |
| Return on assets (ROA) | 0.8206% | 3,025 |
| Pretax return on assets | 1.0932% | 2,666 |
| Return on Equity (ROE) | 10.4300% | 2,582 |
| Retained earnings to average equity (ytd only) | 10.4321% | 1,300 |
| Net charge-offs to loans | -0.0012% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.5770% | 1,805 |
| Assets per employee ($millions) | 7.2936% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 2,407 |
| Loan loss allowance to noncurrent loans | 36.4000% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.7537% | 173 |
| Noncurrent loans to loans | 3.3144% | 124 |
| Net loans and leases to total assets | 52.2700% | 3,388 |
| Net loans and leases to deposits | 58.4461% | 3,517 |
| Net loans and leases to core deposits | 59.9871% | 3,635 |
| Total domestic deposits to total assets | 89.4400% | 1,097 |
| Equity capital to assets | 7.9739% | 3,237 |
| Core capital (leverage) ratio | 9.7631% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2922% | 1,486 |
| Memoranda: | ||
| Average total assets | $308,078,000 | 2,391 |
| Average earning assets | $293,233,000 | 2,353 |
| Average equity | $24,233,000 | 2,558 |
| Average total loans | $167,693,333 | 2,538 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7853% | 3,884 |
| Cost of funding earning assets | 0.8285% | 2,613 |
| Net interest margin | 2.9568% | 3,684 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.6072% | 1,935 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7951% | 3,203 |
| Return on assets (ROA) | 0.7992% | 3,145 |
| Pretax return on assets | 1.0599% | 2,829 |
| Return on Equity (ROE) | 10.2300% | 2,718 |
| Retained earnings to average equity (ytd only) | 10.2325% | 1,642 |
| Net charge-offs to loans | 0.0024% | 1,944 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 805.0000% | 136 |
| Efficiency ratio | 71.0912% | 1,630 |
| Assets per employee ($millions) | 7.0037% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 2,625 |
| Loan loss allowance to noncurrent loans | 42.7533% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.4843% | 223 |
| Noncurrent loans to loans | 2.7774% | 164 |
| Net loans and leases to total assets | 52.8100% | 3,289 |
| Net loans and leases to deposits | 58.8947% | 3,406 |
| Net loans and leases to core deposits | 59.4195% | 3,568 |
| Total domestic deposits to total assets | 89.6600% | 1,276 |
| Equity capital to assets | 7.7883% | 3,391 |
| Core capital (leverage) ratio | 9.6205% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7957% | 1,685 |
| Memoranda: | ||
| Average total assets | $305,305,000 | 2,436 |
| Average earning assets | $290,177,000 | 2,397 |
| Average equity | $23,845,500 | 2,611 |
| Average total loans | $168,567,500 | 2,560 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1005% | 3,988 |
| Cost of funding earning assets | 0.3109% | 2,788 |
| Net interest margin | 2.7896% | 3,913 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.4121% | 2,392 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.8492% | 3,153 |
| Return on assets (ROA) | 0.8492% | 3,086 |
| Pretax return on assets | 1.1120% | 2,729 |
| Return on Equity (ROE) | 10.9600% | 2,488 |
| Retained earnings to average equity (ytd only) | 9.4077% | 1,352 |
| Net charge-offs to loans | -0.0107% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.8700% | 1,703 |
| Assets per employee ($millions) | 6.1551% | 2,636 |
| Cash dividends to net income (ytd only)* | 14.1349% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 2,923 |
| Loan loss allowance to noncurrent loans | 97.3115% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 774 |
| Noncurrent loans to loans | 1.1244% | 640 |
| Net loans and leases to total assets | 56.4800% | 2,978 |
| Net loans and leases to deposits | 63.1329% | 3,104 |
| Net loans and leases to core deposits | 63.7049% | 3,283 |
| Total domestic deposits to total assets | 89.4600% | 1,578 |
| Equity capital to assets | 7.8340% | 3,159 |
| Core capital (leverage) ratio | 9.7473% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5452% | 1,773 |
| Memoranda: | ||
| Average total assets | $312,423,800 | 2,392 |
| Average earning assets | $298,209,800 | 2,345 |
| Average equity | $24,214,200 | 2,623 |
| Average total loans | $158,991,600 | 2,547 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9544% | 3,972 |
| Cost of funding earning assets | 0.2495% | 2,715 |
| Net interest margin | 2.7049% | 3,914 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.3494% | 2,480 |
| Loan and lease loss provision to assets | -0.0800% | 4,553 |
| Net operating income to assets | 0.8088% | 3,225 |
| Return on assets (ROA) | 0.8088% | 3,188 |
| Pretax return on assets | 1.0555% | 2,857 |
| Return on Equity (ROE) | 10.4600% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.4198% | 1,845 |
| Net charge-offs to loans | -0.0119% | 3,772 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.4692% | 1,703 |
| Assets per employee ($millions) | 6.5693% | 2,263 |
| Cash dividends to net income (ytd only)* | 19.5211% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 2,632 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 3,337 |
| Noncurrent loans to loans | 0.1074% | 3,114 |
| Net loans and leases to total assets | 50.4800% | 3,418 |
| Net loans and leases to deposits | 55.7768% | 3,502 |
| Net loans and leases to core deposits | 56.6943% | 3,580 |
| Total domestic deposits to total assets | 90.4900% | 1,439 |
| Equity capital to assets | 7.0013% | 3,520 |
| Core capital (leverage) ratio | 9.0950% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8910% | 1,744 |
| Memoranda: | ||
| Average total assets | $316,669,000 | 2,387 |
| Average earning assets | $302,993,000 | 2,338 |
| Average equity | $24,481,500 | 2,653 |
| Average total loans | $156,563,250 | 2,573 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7482% | 4,066 |
| Cost of funding earning assets | 0.2187% | 2,656 |
| Net interest margin | 2.5295% | 4,036 |
| Noninterest income to average assets | 0.7751% | 1,114 |
| Noninterest expense to average assets | 2.3588% | 2,375 |
| Loan and lease loss provision to assets | -0.0757% | 4,563 |
| Net operating income to assets | 0.6975% | 3,317 |
| Return on assets (ROA) | 0.6975% | 3,271 |
| Pretax return on assets | 0.9063% | 3,043 |
| Return on Equity (ROE) | 8.7490% | 2,775 |
| Retained earnings to average equity (ytd only) | 5.7825% | 2,405 |
| Net charge-offs to loans | -0.0129% | 3,691 |
| Credit loss provision to net charge-offs | 1,200.0000% | 353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8580% | 1,527 |
| Assets per employee ($millions) | 6.3161% | 2,469 |
| Cash dividends to net income (ytd only)* | 33.9060% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 2,494 |
| Loan loss allowance to noncurrent loans | 144.4690% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 1,298 |
| Noncurrent loans to loans | 0.8553% | 995 |
| Net loans and leases to total assets | 50.5960% | 3,314 |
| Net loans and leases to deposits | 54.8942% | 3,475 |
| Net loans and leases to core deposits | 55.8078% | 3,582 |
| Total domestic deposits to total assets | 92.1700% | 774 |
| Equity capital to assets | 7.5059% | 3,472 |
| Core capital (leverage) ratio | 8.8584% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7511% | 1,784 |
| Memoranda: | ||
| Average total assets | $317,116,000 | 2,396 |
| Average earning assets | $302,672,000 | 2,362 |
| Average equity | $25,283,000 | 2,663 |
| Average total loans | $155,062,667 | 2,596 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5811% | 4,155 |
| Cost of funding earning assets | 0.2128% | 2,627 |
| Net interest margin | 2.3683% | 4,128 |
| Noninterest income to average assets | 0.7566% | 1,154 |
| Noninterest expense to average assets | 2.3158% | 2,439 |
| Loan and lease loss provision to assets | -0.0748% | 4,558 |
| Net operating income to assets | 0.6120% | 3,361 |
| Return on assets (ROA) | 0.6120% | 3,341 |
| Pretax return on assets | 0.7902% | 3,135 |
| Return on Equity (ROE) | 7.4650% | 2,882 |
| Retained earnings to average equity (ytd only) | 1.7636% | 3,612 |
| Net charge-offs to loans | -0.0183% | 3,865 |
| Credit loss provision to net charge-offs | 857.1429% | 378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2747% | 1,490 |
| Assets per employee ($millions) | 6.6074% | 2,290 |
| Cash dividends to net income (ytd only)* | 76.3747% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 2,287 |
| Loan loss allowance to noncurrent loans | 134.6693% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 1,322 |
| Noncurrent loans to loans | 0.9754% | 931 |
| Net loans and leases to total assets | 46.7824% | 3,509 |
| Net loans and leases to deposits | 51.6945% | 3,589 |
| Net loans and leases to core deposits | 52.6384% | 3,689 |
| Total domestic deposits to total assets | 90.4977% | 1,301 |
| Equity capital to assets | 7.6030% | 3,855 |
| Core capital (leverage) ratio | 8.4226% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1308% | 1,758 |
| Memoranda: | ||
| Average total assets | $320,929,500 | 2,392 |
| Average earning assets | $308,235,000 | 2,342 |
| Average equity | $26,309,500 | 2,697 |
| Average total loans | $153,320,000 | 2,607 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8700% | 4,103 |
| Cost of funding earning assets | 0.2564% | 2,853 |
| Net interest margin | 2.6136% | 4,027 |
| Noninterest income to average assets | 0.8333% | 1,364 |
| Noninterest expense to average assets | 2.2505% | 2,950 |
| Loan and lease loss provision to assets | -0.0204% | 4,226 |
| Net operating income to assets | 0.8726% | 3,129 |
| Return on assets (ROA) | 0.8726% | 3,191 |
| Pretax return on assets | 1.1397% | 2,856 |
| Return on Equity (ROE) | 9.6127% | 2,671 |
| Retained earnings to average equity (ytd only) | -2.5027% | 4,643 |
| Net charge-offs to loans | 0.0344% | 1,547 |
| Credit loss provision to net charge-offs | -110.1695% | 3,381 |
| Earnings coverage of net charge-offs (x) | 60.3729% | 1,169 |
| Efficiency ratio | 66.6822% | 2,165 |
| Assets per employee ($millions) | 7.0688% | 1,883 |
| Cash dividends to net income (ytd only)* | 126.0353% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 2,129 |
| Loan loss allowance to noncurrent loans | 130.2077% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 1,336 |
| Noncurrent loans to loans | 1.0375% | 948 |
| Net loans and leases to total assets | 47.4985% | 3,539 |
| Net loans and leases to deposits | 53.3344% | 3,640 |
| Net loans and leases to core deposits | 54.2188% | 3,739 |
| Total domestic deposits to total assets | 89.0580% | 1,482 |
| Equity capital to assets | 8.8034% | 3,801 |
| Core capital (leverage) ratio | 8.3150% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9059% | 1,546 |
| Memoranda: | ||
| Average total assets | $318,245,400 | 2,345 |
| Average earning assets | $308,848,800 | 2,288 |
| Average equity | $28,889,000 | 2,601 |
| Average total loans | $171,664,600 | 2,450 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9242% | 4,128 |
| Cost of funding earning assets | 0.2680% | 2,922 |
| Net interest margin | 2.6562% | 4,044 |
| Noninterest income to average assets | 0.8303% | 1,439 |
| Noninterest expense to average assets | 2.2336% | 2,956 |
| Loan and lease loss provision to assets | 0.0314% | 2,367 |
| Net operating income to assets | 0.8755% | 3,314 |
| Return on assets (ROA) | 0.8755% | 3,390 |
| Pretax return on assets | 1.1394% | 3,105 |
| Return on Equity (ROE) | 9.5725% | 2,900 |
| Retained earnings to average equity (ytd only) | -2.4504% | 4,715 |
| Net charge-offs to loans | 0.0030% | 2,239 |
| Credit loss provision to net charge-offs | 1,875.0000% | 343 |
| Earnings coverage of net charge-offs (x) | 698.7500% | 225 |
| Efficiency ratio | 65.5100% | 2,172 |
| Assets per employee ($millions) | 6.5623% | 2,197 |
| Cash dividends to net income (ytd only)* | 125.5981% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 1,988 |
| Loan loss allowance to noncurrent loans | 118.0490% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 1,281 |
| Noncurrent loans to loans | 1.1935% | 933 |
| Net loans and leases to total assets | 49.2477% | 3,497 |
| Net loans and leases to deposits | 55.4054% | 3,630 |
| Net loans and leases to core deposits | 56.3139% | 3,751 |
| Total domestic deposits to total assets | 88.8862% | 1,350 |
| Equity capital to assets | 8.9005% | 3,920 |
| Core capital (leverage) ratio | 8.4145% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8391% | 1,673 |
| Memoranda: | ||
| Average total assets | $318,283,250 | 2,375 |
| Average earning assets | $308,454,500 | 2,313 |
| Average equity | $29,110,500 | 2,620 |
| Average total loans | $176,291,000 | 2,450 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1669% | 3,734 |
| Cost of funding earning assets | 0.2798% | 2,980 |
| Net interest margin | 2.8871% | 3,603 |
| Noninterest income to average assets | 0.6690% | 1,932 |
| Noninterest expense to average assets | 2.2592% | 2,885 |
| Loan and lease loss provision to assets | 0.0315% | 2,351 |
| Net operating income to assets | 0.8853% | 3,266 |
| Return on assets (ROA) | 0.8853% | 3,339 |
| Pretax return on assets | 1.1690% | 2,997 |
| Return on Equity (ROE) | 9.5921% | 2,914 |
| Retained earnings to average equity (ytd only) | -2.3639% | 4,691 |
| Net charge-offs to loans | -0.0143% | 3,831 |
| Credit loss provision to net charge-offs | -384.6154% | 3,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2998% | 2,253 |
| Assets per employee ($millions) | 6.5022% | 2,168 |
| Cash dividends to net income (ytd only)* | 124.6439% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,537 |
| Loan loss allowance to noncurrent loans | 104.0111% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 1,210 |
| Noncurrent loans to loans | 1.2310% | 976 |
| Net loans and leases to total assets | 54.5966% | 3,063 |
| Net loans and leases to deposits | 61.6002% | 3,238 |
| Net loans and leases to core deposits | 63.1146% | 3,369 |
| Total domestic deposits to total assets | 88.6305% | 1,486 |
| Equity capital to assets | 9.0930% | 3,717 |
| Core capital (leverage) ratio | 8.4353% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5092% | 1,800 |
| Memoranda: | ||
| Average total assets | $317,193,000 | 2,374 |
| Average earning assets | $306,604,333 | 2,308 |
| Average equity | $29,274,000 | 2,610 |
| Average total loans | $181,514,333 | 2,426 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2255% | 3,635 |
| Cost of funding earning assets | 0.2928% | 3,073 |
| Net interest margin | 2.9327% | 3,431 |
| Noninterest income to average assets | 0.6673% | 1,967 |
| Noninterest expense to average assets | 2.2497% | 2,948 |
| Loan and lease loss provision to assets | 0.0316% | 2,356 |
| Net operating income to assets | 0.9416% | 3,002 |
| Return on assets (ROA) | 0.9416% | 3,086 |
| Pretax return on assets | 1.2475% | 2,704 |
| Return on Equity (ROE) | 10.1273% | 2,651 |
| Retained earnings to average equity (ytd only) | -1.7672% | 4,523 |
| Net charge-offs to loans | -0.0087% | 3,621 |
| Credit loss provision to net charge-offs | -625.0000% | 3,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7536% | 2,496 |
| Assets per employee ($millions) | 7.1636% | 1,678 |
| Cash dividends to net income (ytd only)* | 117.4497% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 2,845 |
| Loan loss allowance to noncurrent loans | 87.0349% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 1,174 |
| Noncurrent loans to loans | 1.3975% | 906 |
| Net loans and leases to total assets | 54.7641% | 3,164 |
| Net loans and leases to deposits | 61.4318% | 3,374 |
| Net loans and leases to core deposits | 63.0975% | 3,493 |
| Total domestic deposits to total assets | 89.1462% | 1,270 |
| Equity capital to assets | 8.8673% | 3,819 |
| Core capital (leverage) ratio | 8.7081% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1938% | 2,209 |
| Memoranda: | ||
| Average total assets | $316,485,500 | 2,364 |
| Average earning assets | $308,789,500 | 2,278 |
| Average equity | $29,425,500 | 2,590 |
| Average total loans | $184,169,000 | 2,406 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7243% | 3,515 |
| Cost of funding earning assets | 0.4299% | 3,408 |
| Net interest margin | 3.2944% | 3,078 |
| Noninterest income to average assets | 0.7428% | 1,714 |
| Noninterest expense to average assets | 2.5945% | 2,561 |
| Loan and lease loss provision to assets | 0.1061% | 3,011 |
| Net operating income to assets | 0.9531% | 2,468 |
| Return on assets (ROA) | 0.9531% | 2,614 |
| Pretax return on assets | 1.2411% | 2,187 |
| Return on Equity (ROE) | 9.3092% | 2,283 |
| Retained earnings to average equity (ytd only) | 7.5224% | 1,192 |
| Net charge-offs to loans | -0.0318% | 4,553 |
| Credit loss provision to net charge-offs | -537.0370% | 3,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8220% | 2,559 |
| Assets per employee ($millions) | 6.8965% | 1,647 |
| Cash dividends to net income (ytd only)* | 19.1939% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 3,049 |
| Loan loss allowance to noncurrent loans | 87.2315% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8285% | 1,229 |
| Noncurrent loans to loans | 1.3541% | 1,001 |
| Net loans and leases to total assets | 60.4594% | 2,794 |
| Net loans and leases to deposits | 68.6477% | 3,014 |
| Net loans and leases to core deposits | 70.8158% | 3,194 |
| Total domestic deposits to total assets | 88.0720% | 1,438 |
| Equity capital to assets | 9.7649% | 3,354 |
| Core capital (leverage) ratio | 9.2765% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0861% | 2,206 |
| Memoranda: | ||
| Average total assets | $273,306,200 | 2,439 |
| Average earning assets | $265,392,400 | 2,366 |
| Average equity | $27,983,200 | 2,599 |
| Average total loans | $169,988,200 | 2,486 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7081% | 3,786 |
| Cost of funding earning assets | 0.4614% | 3,461 |
| Net interest margin | 3.2467% | 3,342 |
| Noninterest income to average assets | 0.7535% | 1,638 |
| Noninterest expense to average assets | 2.6579% | 2,369 |
| Loan and lease loss provision to assets | 0.0527% | 3,692 |
| Net operating income to assets | 0.9191% | 2,629 |
| Return on assets (ROA) | 0.9191% | 2,758 |
| Pretax return on assets | 1.1920% | 2,413 |
| Return on Equity (ROE) | 8.8592% | 2,455 |
| Retained earnings to average equity (ytd only) | 6.4413% | 1,906 |
| Net charge-offs to loans | -0.0169% | 4,372 |
| Credit loss provision to net charge-offs | -500.0000% | 3,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1064% | 2,174 |
| Assets per employee ($millions) | 6.5274% | 1,808 |
| Cash dividends to net income (ytd only)* | 27.2926% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 3,330 |
| Loan loss allowance to noncurrent loans | 74.5846% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.8819% | 1,311 |
| Noncurrent loans to loans | 1.4420% | 999 |
| Net loans and leases to total assets | 60.5012% | 3,167 |
| Net loans and leases to deposits | 68.6667% | 3,417 |
| Net loans and leases to core deposits | 71.2917% | 3,534 |
| Total domestic deposits to total assets | 88.1084% | 1,170 |
| Equity capital to assets | 9.6116% | 3,595 |
| Core capital (leverage) ratio | 9.1278% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7943% | 2,289 |
| Memoranda: | ||
| Average total assets | $265,771,500 | 2,466 |
| Average earning assets | $257,770,250 | 2,390 |
| Average equity | $27,571,250 | 2,617 |
| Average total loans | $166,071,750 | 2,526 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8359% | 3,772 |
| Cost of funding earning assets | 0.4932% | 3,578 |
| Net interest margin | 3.3427% | 3,260 |
| Noninterest income to average assets | 0.7850% | 1,479 |
| Noninterest expense to average assets | 2.8159% | 2,062 |
| Loan and lease loss provision to assets | 0.0472% | 3,711 |
| Net operating income to assets | 0.8990% | 2,692 |
| Return on assets (ROA) | 0.8990% | 2,815 |
| Pretax return on assets | 1.1578% | 2,509 |
| Return on Equity (ROE) | 8.4225% | 2,592 |
| Retained earnings to average equity (ytd only) | 4.7381% | 2,591 |
| Net charge-offs to loans | -0.0761% | 4,793 |
| Credit loss provision to net charge-offs | -98.3607% | 3,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0313% | 1,951 |
| Assets per employee ($millions) | 6.7653% | 1,586 |
| Cash dividends to net income (ytd only)* | 43.7445% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 3,237 |
| Loan loss allowance to noncurrent loans | 75.6819% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 0.8744% | 1,411 |
| Noncurrent loans to loans | 1.4117% | 1,095 |
| Net loans and leases to total assets | 61.2789% | 3,189 |
| Net loans and leases to deposits | 69.5669% | 3,452 |
| Net loans and leases to core deposits | 71.9182% | 3,595 |
| Total domestic deposits to total assets | 88.0863% | 1,131 |
| Equity capital to assets | 9.4173% | 3,729 |
| Core capital (leverage) ratio | 9.2669% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2228% | 2,513 |
| Memoranda: | ||
| Average total assets | $254,274,667 | 2,515 |
| Average earning assets | $246,146,000 | 2,448 |
| Average equity | $27,141,667 | 2,635 |
| Average total loans | $160,216,667 | 2,566 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 3,924 |
| Cost of funding earning assets | 0.5629% | 3,628 |
| Net interest margin | 3.3880% | 3,327 |
| Noninterest income to average assets | 0.8943% | 1,079 |
| Noninterest expense to average assets | 2.9565% | 1,997 |
| Loan and lease loss provision to assets | 0.0258% | 3,466 |
| Net operating income to assets | 0.9133% | 2,479 |
| Return on assets (ROA) | 0.9133% | 2,588 |
| Pretax return on assets | 1.1833% | 2,256 |
| Return on Equity (ROE) | 7.9562% | 2,536 |
| Retained earnings to average equity (ytd only) | 0.4645% | 3,889 |
| Net charge-offs to loans | -0.1404% | 4,888 |
| Credit loss provision to net charge-offs | -28.8462% | 3,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9744% | 2,223 |
| Assets per employee ($millions) | 5.2601% | 2,363 |
| Cash dividends to net income (ytd only)* | 94.1620% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 2,199 |
| Loan loss allowance to noncurrent loans | 88.0515% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8993% | 1,490 |
| Noncurrent loans to loans | 1.4613% | 1,093 |
| Net loans and leases to total assets | 60.7476% | 3,425 |
| Net loans and leases to deposits | 68.9858% | 3,661 |
| Net loans and leases to core deposits | 71.5929% | 3,778 |
| Total domestic deposits to total assets | 88.0582% | 1,082 |
| Equity capital to assets | 11.1487% | 2,726 |
| Core capital (leverage) ratio | 11.1173% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1636% | 1,858 |
| Memoranda: | ||
| Average total assets | $232,574,500 | 2,609 |
| Average earning assets | $224,559,500 | 2,541 |
| Average equity | $26,696,000 | 2,658 |
| Average total loans | $148,134,000 | 2,658 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1314% | 3,974 |
| Cost of funding earning assets | 0.5179% | 4,006 |
| Net interest margin | 3.6135% | 3,094 |
| Noninterest income to average assets | 0.9565% | 1,064 |
| Noninterest expense to average assets | 3.3783% | 1,154 |
| Loan and lease loss provision to assets | -0.1610% | 5,108 |
| Net operating income to assets | 0.9880% | 2,887 |
| Return on assets (ROA) | 0.9887% | 2,966 |
| Pretax return on assets | 1.2217% | 2,763 |
| Return on Equity (ROE) | 8.5155% | 2,937 |
| Retained earnings to average equity (ytd only) | 0.8127% | 4,456 |
| Net charge-offs to loans | 0.0617% | 2,218 |
| Credit loss provision to net charge-offs | -423.5294% | 4,396 |
| Earnings coverage of net charge-offs (x) | 27.8824% | 1,646 |
| Efficiency ratio | 76.1209% | 1,347 |
| Assets per employee ($millions) | 4.8518% | 2,776 |
| Cash dividends to net income (ytd only)* | 90.4568% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,145 |
| Loan loss allowance to noncurrent loans | 78.4805% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.0556% | 1,176 |
| Noncurrent loans to loans | 1.5988% | 881 |
| Net loans and leases to total assets | 65.1996% | 3,045 |
| Net loans and leases to deposits | 74.7058% | 3,291 |
| Net loans and leases to core deposits | 77.1132% | 3,506 |
| Total domestic deposits to total assets | 87.2751% | 1,471 |
| Equity capital to assets | 11.8360% | 2,252 |
| Core capital (leverage) ratio | 11.6611% | 1,991 |
| Tier 1 risk-based capital ratio | 14.7095% | 2,904 |
| Total risk-based capital ratio | 15.7666% | 2,911 |
| Memoranda: | ||
| Average total assets | $223,631,800 | 2,631 |
| Average earning assets | $215,471,200 | 2,565 |
| Average equity | $25,964,400 | 2,636 |
| Average total loans | $137,693,000 | 2,752 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 4,070 |
| Cost of funding earning assets | 0.5049% | 4,119 |
| Net interest margin | 3.6330% | 3,159 |
| Noninterest income to average assets | 0.9391% | 1,065 |
| Noninterest expense to average assets | 3.5534% | 901 |
| Loan and lease loss provision to assets | -0.1609% | 5,198 |
| Net operating income to assets | 0.8625% | 3,476 |
| Return on assets (ROA) | 0.8635% | 3,548 |
| Pretax return on assets | 1.0470% | 3,456 |
| Return on Equity (ROE) | 7.4733% | 3,517 |
| Retained earnings to average equity (ytd only) | -1.8103% | 4,912 |
| Net charge-offs to loans | 0.0276% | 2,539 |
| Credit loss provision to net charge-offs | -964.2857% | 4,418 |
| Earnings coverage of net charge-offs (x) | 53.0391% | 1,143 |
| Efficiency ratio | 80.0618% | 919 |
| Assets per employee ($millions) | 4.8652% | 2,716 |
| Cash dividends to net income (ytd only)* | 124.2237% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 1,421 |
| Loan loss allowance to noncurrent loans | 595.8209% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 3,974 |
| Noncurrent loans to loans | 0.2418% | 3,678 |
| Net loans and leases to total assets | 62.3605% | 3,457 |
| Net loans and leases to deposits | 71.4042% | 3,649 |
| Net loans and leases to core deposits | 73.6602% | 3,847 |
| Total domestic deposits to total assets | 87.3344% | 1,354 |
| Equity capital to assets | 11.8503% | 2,374 |
| Core capital (leverage) ratio | 11.4983% | 2,221 |
| Tier 1 risk-based capital ratio | 15.8817% | 2,478 |
| Total risk-based capital ratio | 17.1313% | 2,413 |
| Memoranda: | ||
| Average total assets | $223,743,750 | 2,649 |
| Average earning assets | $215,501,000 | 2,585 |
| Average equity | $25,851,500 | 2,653 |
| Average total loans | $135,275,250 | 2,802 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0691% | 4,232 |
| Cost of funding earning assets | 0.4884% | 4,172 |
| Net interest margin | 3.5808% | 3,332 |
| Noninterest income to average assets | 0.9266% | 1,020 |
| Noninterest expense to average assets | 3.1285% | 1,663 |
| Loan and lease loss provision to assets | -0.1598% | 5,237 |
| Net operating income to assets | 1.1266% | 2,418 |
| Return on assets (ROA) | 1.1280% | 2,486 |
| Pretax return on assets | 1.4085% | 2,178 |
| Return on Equity (ROE) | 9.8448% | 2,462 |
| Retained earnings to average equity (ytd only) | 0.5499% | 4,556 |
| Net charge-offs to loans | 0.0432% | 2,035 |
| Credit loss provision to net charge-offs | -620.6897% | 4,170 |
| Earnings coverage of net charge-offs (x) | 48.4483% | 1,116 |
| Efficiency ratio | 71.5010% | 1,988 |
| Assets per employee ($millions) | 4.6656% | 2,920 |
| Cash dividends to net income (ytd only)* | 94.4138% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,142 |
| Loan loss allowance to noncurrent loans | 1,017.0732% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 4,299 |
| Noncurrent loans to loans | 0.1521% | 4,004 |
| Net loans and leases to total assets | 60.5229% | 3,694 |
| Net loans and leases to deposits | 69.2089% | 3,903 |
| Net loans and leases to core deposits | 71.0427% | 4,057 |
| Total domestic deposits to total assets | 87.4496% | 1,364 |
| Equity capital to assets | 11.9329% | 2,243 |
| Core capital (leverage) ratio | 11.5150% | 2,154 |
| Tier 1 risk-based capital ratio | 16.4099% | 2,275 |
| Total risk-based capital ratio | 17.6606% | 2,212 |
| Memoranda: | ||
| Average total assets | $225,347,670 | 2,649 |
| Average earning assets | $217,049,330 | 2,585 |
| Average equity | $25,820,670 | 2,648 |
| Average total loans | $134,192,670 | 2,825 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9554% | 4,462 |
| Cost of funding earning assets | 0.4522% | 4,273 |
| Net interest margin | 3.5032% | 3,584 |
| Noninterest income to average assets | 0.9160% | 1,007 |
| Noninterest expense to average assets | 3.0861% | 1,759 |
| Loan and lease loss provision to assets | -0.1576% | 5,306 |
| Net operating income to assets | 1.0971% | 2,482 |
| Return on assets (ROA) | 1.0999% | 2,514 |
| Pretax return on assets | 1.3697% | 2,196 |
| Return on Equity (ROE) | 9.7943% | 2,452 |
| Retained earnings to average equity (ytd only) | 0.4367% | 4,449 |
| Net charge-offs to loans | -0.0269% | 4,605 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8597% | 2,056 |
| Assets per employee ($millions) | 5.0876% | 2,416 |
| Cash dividends to net income (ytd only)* | 95.5414% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6715% | 917 |
| Loan loss allowance to noncurrent loans | 941.7021% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 4,301 |
| Noncurrent loans to loans | 0.1775% | 3,958 |
| Net loans and leases to total assets | 56.8613% | 3,993 |
| Net loans and leases to deposits | 64.5276% | 4,153 |
| Net loans and leases to core deposits | 66.2598% | 4,271 |
| Total domestic deposits to total assets | 88.1193% | 1,272 |
| Equity capital to assets | 11.3006% | 2,562 |
| Core capital (leverage) ratio | 11.4314% | 2,188 |
| Tier 1 risk-based capital ratio | 16.6699% | 2,206 |
| Total risk-based capital ratio | 17.9219% | 2,162 |
| Memoranda: | ||
| Average total assets | $228,379,500 | 2,653 |
| Average earning assets | $220,254,000 | 2,587 |
| Average equity | $25,647,500 | 2,668 |
| Average total loans | $133,888,000 | 2,857 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 4,197 |
| Cost of funding earning assets | 0.3534% | 4,263 |
| Net interest margin | 3.5833% | 3,438 |
| Noninterest income to average assets | 0.9571% | 1,045 |
| Noninterest expense to average assets | 2.7483% | 2,864 |
| Loan and lease loss provision to assets | -0.1603% | 5,309 |
| Net operating income to assets | 1.3419% | 1,648 |
| Return on assets (ROA) | 1.3419% | 1,636 |
| Pretax return on assets | 1.7561% | 1,036 |
| Return on Equity (ROE) | 11.9156% | 1,746 |
| Retained earnings to average equity (ytd only) | 2.4242% | 4,174 |
| Net charge-offs to loans | 0.1029% | 1,728 |
| Credit loss provision to net charge-offs | -262.7737% | 4,517 |
| Earnings coverage of net charge-offs (x) | 26.1533% | 1,736 |
| Efficiency ratio | 63.2664% | 3,293 |
| Assets per employee ($millions) | 5.5565% | 1,907 |
| Cash dividends to net income (ytd only)* | 79.6548% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6945% | 844 |
| Loan loss allowance to noncurrent loans | 618.3288% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 4,010 |
| Noncurrent loans to loans | 0.2740% | 3,590 |
| Net loans and leases to total assets | 58.4195% | 3,920 |
| Net loans and leases to deposits | 66.2583% | 4,099 |
| Net loans and leases to core deposits | 67.7943% | 4,244 |
| Total domestic deposits to total assets | 88.1694% | 1,223 |
| Equity capital to assets | 11.1594% | 2,543 |
| Core capital (leverage) ratio | 11.1218% | 2,423 |
| Tier 1 risk-based capital ratio | 16.3679% | 2,280 |
| Total risk-based capital ratio | 17.6204% | 2,219 |
| Memoranda: | ||
| Average total assets | $224,536,200 | 2,657 |
| Average earning assets | $212,233,400 | 2,623 |
| Average equity | $25,286,200 | 2,623 |
| Average total loans | $133,079,400 | 2,846 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 4,183 |
| Cost of funding earning assets | 0.3228% | 4,366 |
| Net interest margin | 3.5896% | 3,403 |
| Noninterest income to average assets | 0.9470% | 1,067 |
| Noninterest expense to average assets | 2.7397% | 2,842 |
| Loan and lease loss provision to assets | -0.1609% | 5,387 |
| Net operating income to assets | 1.3309% | 1,738 |
| Return on assets (ROA) | 1.3314% | 1,746 |
| Pretax return on assets | 1.7420% | 1,171 |
| Return on Equity (ROE) | 11.7955% | 1,874 |
| Retained earnings to average equity (ytd only) | -0.3485% | 5,085 |
| Net charge-offs to loans | 0.0563% | 2,009 |
| Credit loss provision to net charge-offs | -482.1429% | 4,488 |
| Earnings coverage of net charge-offs (x) | 47.3602% | 1,211 |
| Efficiency ratio | 63.4156% | 3,275 |
| Assets per employee ($millions) | 5.3053% | 2,119 |
| Cash dividends to net income (ytd only)* | 102.9544% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8243% | 690 |
| Loan loss allowance to noncurrent loans | 650.3958% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 4,133 |
| Noncurrent loans to loans | 0.2805% | 3,682 |
| Net loans and leases to total assets | 58.1496% | 4,024 |
| Net loans and leases to deposits | 65.4879% | 4,238 |
| Net loans and leases to core deposits | 66.8580% | 4,364 |
| Total domestic deposits to total assets | 88.7944% | 914 |
| Equity capital to assets | 10.7230% | 2,920 |
| Core capital (leverage) ratio | 10.9912% | 2,583 |
| Tier 1 risk-based capital ratio | 16.2673% | 2,351 |
| Total risk-based capital ratio | 17.5214% | 2,285 |
| Memoranda: | ||
| Average total assets | $223,716,250 | 2,677 |
| Average earning assets | $210,229,250 | 2,648 |
| Average equity | $25,252,000 | 2,638 |
| Average total loans | $132,503,500 | 2,866 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 4,121 |
| Cost of funding earning assets | 0.2756% | 4,595 |
| Net interest margin | 3.6067% | 3,282 |
| Noninterest income to average assets | 0.9530% | 1,044 |
| Noninterest expense to average assets | 2.7150% | 2,960 |
| Loan and lease loss provision to assets | -0.1620% | 5,458 |
| Net operating income to assets | 1.3428% | 1,627 |
| Return on assets (ROA) | 1.3436% | 1,631 |
| Pretax return on assets | 1.7575% | 1,077 |
| Return on Equity (ROE) | 11.7028% | 1,840 |
| Retained earnings to average equity (ytd only) | 10.1351% | 894 |
| Net charge-offs to loans | 0.1064% | 1,302 |
| Credit loss provision to net charge-offs | -257.1429% | 4,238 |
| Earnings coverage of net charge-offs (x) | 25.3143% | 1,644 |
| Efficiency ratio | 62.9985% | 3,476 |
| Assets per employee ($millions) | 5.2938% | 2,110 |
| Cash dividends to net income (ytd only)* | 13.3958% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9343% | 591 |
| Loan loss allowance to noncurrent loans | 742.9825% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 4,221 |
| Noncurrent loans to loans | 0.2603% | 3,770 |
| Net loans and leases to total assets | 57.9395% | 3,994 |
| Net loans and leases to deposits | 65.9267% | 4,169 |
| Net loans and leases to core deposits | 66.6605% | 4,333 |
| Total domestic deposits to total assets | 87.8847% | 1,438 |
| Equity capital to assets | 11.7051% | 2,058 |
| Core capital (leverage) ratio | 11.9125% | 1,769 |
| Tier 1 risk-based capital ratio | 17.5934% | 1,916 |
| Total risk-based capital ratio | 18.8487% | 1,870 |
| Memoranda: | ||
| Average total assets | $222,246,000 | 2,710 |
| Average earning assets | $206,837,330 | 2,698 |
| Average equity | $25,515,330 | 2,629 |
| Average total loans | $131,631,330 | 2,892 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7369% | 4,390 |
| Cost of funding earning assets | 0.2576% | 4,663 |
| Net interest margin | 3.4793% | 3,611 |
| Noninterest income to average assets | 0.9523% | 1,013 |
| Noninterest expense to average assets | 2.5959% | 3,342 |
| Loan and lease loss provision to assets | -0.1620% | 5,539 |
| Net operating income to assets | 1.3937% | 1,362 |
| Return on assets (ROA) | 1.3951% | 1,365 |
| Pretax return on assets | 1.8272% | 861 |
| Return on Equity (ROE) | 12.2721% | 1,485 |
| Retained earnings to average equity (ytd only) | 10.6886% | 966 |
| Net charge-offs to loans | -0.0212% | 4,592 |
| Credit loss provision to net charge-offs | 1,285.7143% | 278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9467% | 3,951 |
| Assets per employee ($millions) | 5.6272% | 1,821 |
| Cash dividends to net income (ytd only)* | 12.9032% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 491 |
| Loan loss allowance to noncurrent loans | 2,167.2000% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 4,819 |
| Noncurrent loans to loans | 0.0944% | 4,551 |
| Net loans and leases to total assets | 57.6359% | 3,976 |
| Net loans and leases to deposits | 65.2853% | 4,135 |
| Net loans and leases to core deposits | 65.9994% | 4,305 |
| Total domestic deposits to total assets | 88.2832% | 1,470 |
| Equity capital to assets | 11.3014% | 2,300 |
| Core capital (leverage) ratio | 11.6242% | 1,913 |
| Tier 1 risk-based capital ratio | 17.3081% | 2,031 |
| Total risk-based capital ratio | 18.5648% | 1,981 |
| Memoranda: | ||
| Average total assets | $222,199,500 | 2,734 |
| Average earning assets | $211,193,500 | 2,679 |
| Average equity | $25,260,500 | 2,672 |
| Average total loans | $131,765,500 | 2,909 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 4,242 |
| Cost of funding earning assets | 0.2638% | 4,452 |
| Net interest margin | 3.4768% | 3,602 |
| Noninterest income to average assets | 0.9113% | 1,235 |
| Noninterest expense to average assets | 2.7466% | 2,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9321% | 2,538 |
| Return on assets (ROA) | 0.9039% | 2,715 |
| Pretax return on assets | 1.4196% | 1,929 |
| Return on Equity (ROE) | 8.0677% | 2,766 |
| Retained earnings to average equity (ytd only) | 6.4312% | 1,317 |
| Net charge-offs to loans | -0.0580% | 5,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2368% | 3,398 |
| Assets per employee ($millions) | 5.2217% | 2,228 |
| Cash dividends to net income (ytd only)* | 20.2840% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1291% | 426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 58.5011% | 3,967 |
| Net loans and leases to deposits | 66.6608% | 4,135 |
| Net loans and leases to core deposits | 67.4138% | 4,335 |
| Total domestic deposits to total assets | 87.7594% | 1,624 |
| Equity capital to assets | 11.4371% | 2,244 |
| Core capital (leverage) ratio | 11.2562% | 2,121 |
| Tier 1 risk-based capital ratio | 16.9937% | 2,098 |
| Total risk-based capital ratio | 18.2516% | 2,041 |
| Memoranda: | ||
| Average total assets | $218,159,200 | 2,741 |
| Average earning assets | $206,998,400 | 2,698 |
| Average equity | $24,443,200 | 2,719 |
| Average total loans | $131,010,400 | 2,901 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7407% | 4,211 |
| Cost of funding earning assets | 0.2600% | 4,480 |
| Net interest margin | 3.4807% | 3,563 |
| Noninterest income to average assets | 0.8947% | 1,288 |
| Noninterest expense to average assets | 2.7428% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0435% | 2,361 |
| Return on assets (ROA) | 1.0452% | 2,390 |
| Pretax return on assets | 1.4565% | 1,923 |
| Return on Equity (ROE) | 9.3780% | 2,412 |
| Retained earnings to average equity (ytd only) | 7.7308% | 1,331 |
| Net charge-offs to loans | -0.0733% | 5,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3543% | 3,320 |
| Assets per employee ($millions) | 5.1767% | 2,252 |
| Cash dividends to net income (ytd only)* | 17.5644% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1468% | 441 |
| Loan loss allowance to noncurrent loans | 800.5747% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 4,472 |
| Noncurrent loans to loans | 0.2682% | 4,002 |
| Net loans and leases to total assets | 58.4068% | 4,021 |
| Net loans and leases to deposits | 66.6111% | 4,208 |
| Net loans and leases to core deposits | 68.2232% | 4,350 |
| Total domestic deposits to total assets | 87.6833% | 1,520 |
| Equity capital to assets | 11.5514% | 2,319 |
| Core capital (leverage) ratio | 11.3320% | 2,157 |
| Tier 1 risk-based capital ratio | 16.6525% | 2,264 |
| Total risk-based capital ratio | 17.9090% | 2,217 |
| Memoranda: | ||
| Average total assets | $217,871,000 | 2,769 |
| Average earning assets | $206,695,250 | 2,721 |
| Average equity | $24,283,250 | 2,756 |
| Average total loans | $130,990,250 | 2,930 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 4,046 |
| Cost of funding earning assets | 0.2518% | 4,525 |
| Net interest margin | 3.5059% | 3,376 |
| Noninterest income to average assets | 0.8761% | 1,343 |
| Noninterest expense to average assets | 2.6942% | 3,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0880% | 2,039 |
| Return on assets (ROA) | 1.0834% | 2,113 |
| Pretax return on assets | 1.4962% | 1,653 |
| Return on Equity (ROE) | 9.8392% | 2,109 |
| Retained earnings to average equity (ytd only) | 8.1730% | 1,092 |
| Net charge-offs to loans | -0.0974% | 5,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1967% | 3,639 |
| Assets per employee ($millions) | 5.0567% | 2,326 |
| Cash dividends to net income (ytd only)* | 16.9348% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1268% | 486 |
| Loan loss allowance to noncurrent loans | 509.9083% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 4,124 |
| Noncurrent loans to loans | 0.4171% | 3,525 |
| Net loans and leases to total assets | 58.8144% | 3,941 |
| Net loans and leases to deposits | 67.0462% | 4,141 |
| Net loans and leases to core deposits | 68.6585% | 4,319 |
| Total domestic deposits to total assets | 87.7221% | 1,605 |
| Equity capital to assets | 11.3838% | 2,428 |
| Core capital (leverage) ratio | 11.1127% | 2,305 |
| Tier 1 risk-based capital ratio | 16.3759% | 2,368 |
| Total risk-based capital ratio | 17.6333% | 2,309 |
| Memoranda: | ||
| Average total assets | $218,021,330 | 2,786 |
| Average earning assets | $206,508,670 | 2,737 |
| Average equity | $24,006,000 | 2,783 |
| Average total loans | $131,395,670 | 2,925 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7176% | 4,060 |
| Cost of funding earning assets | 0.2427% | 4,598 |
| Net interest margin | 3.4749% | 3,373 |
| Noninterest income to average assets | 0.8630% | 1,352 |
| Noninterest expense to average assets | 2.7319% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0443% | 2,097 |
| Return on assets (ROA) | 1.0737% | 2,012 |
| Pretax return on assets | 1.4768% | 1,616 |
| Return on Equity (ROE) | 9.9185% | 1,997 |
| Retained earnings to average equity (ytd only) | 8.2260% | 1,364 |
| Net charge-offs to loans | -0.0486% | 5,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5385% | 3,569 |
| Assets per employee ($millions) | 5.5324% | 1,858 |
| Cash dividends to net income (ytd only)* | 17.0648% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1059% | 545 |
| Loan loss allowance to noncurrent loans | 407.0045% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 3,976 |
| Noncurrent loans to loans | 0.5174% | 3,265 |
| Net loans and leases to total assets | 57.3671% | 4,030 |
| Net loans and leases to deposits | 64.8888% | 4,259 |
| Net loans and leases to core deposits | 65.9753% | 4,425 |
| Total domestic deposits to total assets | 88.4083% | 1,481 |
| Equity capital to assets | 10.8479% | 2,799 |
| Core capital (leverage) ratio | 11.0621% | 2,299 |
| Tier 1 risk-based capital ratio | 16.0548% | 2,525 |
| Total risk-based capital ratio | 17.3120% | 2,477 |
| Memoranda: | ||
| Average total assets | $218,312,000 | 2,805 |
| Average earning assets | $207,663,000 | 2,752 |
| Average equity | $23,632,500 | 2,831 |
| Average total loans | $131,761,000 | 2,935 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7632% | 4,015 |
| Cost of funding earning assets | 0.2583% | 4,484 |
| Net interest margin | 3.5048% | 3,409 |
| Noninterest income to average assets | 0.8701% | 1,510 |
| Noninterest expense to average assets | 2.8470% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0054% | 2,334 |
| Return on assets (ROA) | 1.0061% | 2,426 |
| Pretax return on assets | 1.3246% | 2,199 |
| Return on Equity (ROE) | 9.1410% | 2,348 |
| Retained earnings to average equity (ytd only) | 7.4007% | 1,080 |
| Net charge-offs to loans | -0.0834% | 5,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2627% | 3,194 |
| Assets per employee ($millions) | 4.8938% | 2,510 |
| Cash dividends to net income (ytd only)* | 19.0386% | 3,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0285% | 623 |
| Loan loss allowance to noncurrent loans | 185.8316% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.6785% | 2,678 |
| Noncurrent loans to loans | 1.0916% | 1,912 |
| Net loans and leases to total assets | 60.8955% | 3,749 |
| Net loans and leases to deposits | 68.8693% | 4,021 |
| Net loans and leases to core deposits | 69.5339% | 4,281 |
| Total domestic deposits to total assets | 88.4218% | 1,424 |
| Equity capital to assets | 10.8017% | 2,812 |
| Core capital (leverage) ratio | 10.8521% | 2,486 |
| Tier 1 risk-based capital ratio | 15.0775% | 2,935 |
| Total risk-based capital ratio | 16.3337% | 2,863 |
| Memoranda: | ||
| Average total assets | $208,818,400 | 2,864 |
| Average earning assets | $196,642,200 | 2,828 |
| Average equity | $22,984,400 | 2,892 |
| Average total loans | $130,765,800 | 2,906 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7818% | 3,976 |
| Cost of funding earning assets | 0.2621% | 4,480 |
| Net interest margin | 3.5197% | 3,396 |
| Noninterest income to average assets | 0.8591% | 1,549 |
| Noninterest expense to average assets | 2.8939% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9611% | 2,610 |
| Return on assets (ROA) | 0.9620% | 2,747 |
| Pretax return on assets | 1.2671% | 2,544 |
| Return on Equity (ROE) | 8.6983% | 2,666 |
| Retained earnings to average equity (ytd only) | 6.9528% | 1,654 |
| Net charge-offs to loans | -0.0667% | 5,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5699% | 2,956 |
| Assets per employee ($millions) | 5.1609% | 2,174 |
| Cash dividends to net income (ytd only)* | 20.0669% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0648% | 644 |
| Loan loss allowance to noncurrent loans | 187.7020% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 2,892 |
| Noncurrent loans to loans | 1.1000% | 2,053 |
| Net loans and leases to total assets | 59.8732% | 3,891 |
| Net loans and leases to deposits | 68.0361% | 4,145 |
| Net loans and leases to core deposits | 68.7065% | 4,415 |
| Total domestic deposits to total assets | 88.0022% | 1,408 |
| Equity capital to assets | 11.1211% | 2,893 |
| Core capital (leverage) ratio | 10.8344% | 2,643 |
| Tier 1 risk-based capital ratio | 15.5364% | 2,818 |
| Total risk-based capital ratio | 16.7936% | 2,747 |
| Memoranda: | ||
| Average total assets | $207,191,000 | 2,898 |
| Average earning assets | $194,294,500 | 2,864 |
| Average equity | $22,915,750 | 2,926 |
| Average total loans | $129,997,250 | 2,926 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 3,981 |
| Cost of funding earning assets | 0.2624% | 4,522 |
| Net interest margin | 3.5297% | 3,372 |
| Noninterest income to average assets | 0.8565% | 1,522 |
| Noninterest expense to average assets | 2.9088% | 2,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9610% | 2,572 |
| Return on assets (ROA) | 0.9625% | 2,709 |
| Pretax return on assets | 1.2580% | 2,574 |
| Return on Equity (ROE) | 8.7185% | 2,627 |
| Retained earnings to average equity (ytd only) | 6.9572% | 1,627 |
| Net charge-offs to loans | 0.0061% | 3,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 323.0000% | 209 |
| Efficiency ratio | 69.8413% | 3,002 |
| Assets per employee ($millions) | 4.9851% | 2,313 |
| Cash dividends to net income (ytd only)* | 20.2020% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0171% | 709 |
| Loan loss allowance to noncurrent loans | 176.0487% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 2,865 |
| Noncurrent loans to loans | 1.1457% | 2,006 |
| Net loans and leases to total assets | 60.3689% | 3,832 |
| Net loans and leases to deposits | 68.5288% | 4,132 |
| Net loans and leases to core deposits | 69.2099% | 4,390 |
| Total domestic deposits to total assets | 88.0927% | 1,383 |
| Equity capital to assets | 11.1068% | 2,937 |
| Core capital (leverage) ratio | 10.8865% | 2,547 |
| Tier 1 risk-based capital ratio | 15.6236% | 2,815 |
| Total risk-based capital ratio | 16.8809% | 2,744 |
| Memoranda: | ||
| Average total assets | $205,722,330 | 2,924 |
| Average earning assets | $192,819,000 | 2,901 |
| Average equity | $22,710,330 | 2,952 |
| Average total loans | $130,209,330 | 2,927 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 3,546 |
| Cost of funding earning assets | 0.2694% | 4,509 |
| Net interest margin | 3.6430% | 2,916 |
| Noninterest income to average assets | 0.8436% | 1,461 |
| Noninterest expense to average assets | 2.9309% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9956% | 2,297 |
| Return on assets (ROA) | 0.9986% | 2,405 |
| Pretax return on assets | 1.3124% | 2,251 |
| Return on Equity (ROE) | 9.0739% | 2,392 |
| Retained earnings to average equity (ytd only) | 7.2912% | 1,753 |
| Net charge-offs to loans | 0.0428% | 2,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 47.6429% | 909 |
| Efficiency ratio | 69.1347% | 3,277 |
| Assets per employee ($millions) | 5.0986% | 2,240 |
| Cash dividends to net income (ytd only)* | 19.6464% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0072% | 811 |
| Loan loss allowance to noncurrent loans | 151.3135% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 2,586 |
| Noncurrent loans to loans | 1.3265% | 1,801 |
| Net loans and leases to total assets | 62.0476% | 3,518 |
| Net loans and leases to deposits | 70.2931% | 3,832 |
| Net loans and leases to core deposits | 71.0078% | 4,155 |
| Total domestic deposits to total assets | 88.2699% | 1,491 |
| Equity capital to assets | 11.1251% | 2,803 |
| Core capital (leverage) ratio | 10.8943% | 2,515 |
| Tier 1 risk-based capital ratio | 15.4842% | 2,927 |
| Total risk-based capital ratio | 16.7414% | 2,855 |
| Memoranda: | ||
| Average total assets | $203,895,500 | 2,941 |
| Average earning assets | $190,064,000 | 2,930 |
| Average equity | $22,438,000 | 2,975 |
| Average total loans | $130,814,000 | 2,922 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6531% | 4,508 |
| Cost of funding earning assets | 0.2741% | 4,545 |
| Net interest margin | 3.3790% | 3,993 |
| Noninterest income to average assets | 0.8297% | 1,676 |
| Noninterest expense to average assets | 2.7700% | 3,351 |
| Loan and lease loss provision to assets | 0.0088% | 4,226 |
| Net operating income to assets | 0.8949% | 2,902 |
| Return on assets (ROA) | 0.8959% | 2,975 |
| Pretax return on assets | 1.2200% | 2,591 |
| Return on Equity (ROE) | 8.5630% | 2,687 |
| Retained earnings to average equity (ytd only) | 6.7025% | 1,438 |
| Net charge-offs to loans | -0.0749% | 5,695 |
| Credit loss provision to net charge-offs | -18.7500% | 4,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2963% | 3,346 |
| Assets per employee ($millions) | 5.0962% | 2,252 |
| Cash dividends to net income (ytd only)* | 21.7273% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9669% | 847 |
| Loan loss allowance to noncurrent loans | 109.3580% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.1690% | 1,859 |
| Noncurrent loans to loans | 1.7986% | 1,218 |
| Net loans and leases to total assets | 63.7182% | 3,319 |
| Net loans and leases to deposits | 72.0938% | 3,709 |
| Net loans and leases to core deposits | 72.8254% | 4,057 |
| Total domestic deposits to total assets | 88.3824% | 1,430 |
| Equity capital to assets | 10.8842% | 2,957 |
| Core capital (leverage) ratio | 10.6921% | 2,716 |
| Tier 1 risk-based capital ratio | 15.1277% | 3,115 |
| Total risk-based capital ratio | 16.3844% | 3,045 |
| Memoranda: | ||
| Average total assets | $205,484,600 | 2,894 |
| Average earning assets | $192,630,800 | 2,864 |
| Average equity | $21,499,400 | 3,025 |
| Average total loans | $128,107,000 | 2,917 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6074% | 4,714 |
| Cost of funding earning assets | 0.2763% | 4,597 |
| Net interest margin | 3.3311% | 4,215 |
| Noninterest income to average assets | 0.8192% | 1,730 |
| Noninterest expense to average assets | 2.7690% | 3,309 |
| Loan and lease loss provision to assets | 0.0117% | 4,041 |
| Net operating income to assets | 0.8650% | 3,111 |
| Return on assets (ROA) | 0.8664% | 3,188 |
| Pretax return on assets | 1.1708% | 2,925 |
| Return on Equity (ROE) | 8.3646% | 2,898 |
| Retained earnings to average equity (ytd only) | 6.4891% | 1,965 |
| Net charge-offs to loans | -0.0945% | 5,758 |
| Credit loss provision to net charge-offs | -20.0000% | 4,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1099% | 3,189 |
| Assets per employee ($millions) | 5.0443% | 2,252 |
| Cash dividends to net income (ytd only)* | 22.4215% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9711% | 956 |
| Loan loss allowance to noncurrent loans | 182.0728% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 3,136 |
| Noncurrent loans to loans | 1.0826% | 2,320 |
| Net loans and leases to total assets | 64.0834% | 3,298 |
| Net loans and leases to deposits | 72.4212% | 3,718 |
| Net loans and leases to core deposits | 73.1617% | 4,089 |
| Total domestic deposits to total assets | 88.4871% | 1,303 |
| Equity capital to assets | 10.8226% | 3,220 |
| Core capital (leverage) ratio | 10.4940% | 3,054 |
| Tier 1 risk-based capital ratio | 14.8165% | 3,381 |
| Total risk-based capital ratio | 16.0737% | 3,321 |
| Memoranda: | ||
| Average total assets | $205,894,250 | 2,912 |
| Average earning assets | $193,484,750 | 2,881 |
| Average equity | $21,327,500 | 3,064 |
| Average total loans | $127,010,500 | 2,957 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5467% | 4,868 |
| Cost of funding earning assets | 0.2801% | 4,614 |
| Net interest margin | 3.2667% | 4,433 |
| Noninterest income to average assets | 0.8105% | 1,732 |
| Noninterest expense to average assets | 2.7337% | 3,474 |
| Loan and lease loss provision to assets | 0.0174% | 3,783 |
| Net operating income to assets | 0.8431% | 3,154 |
| Return on assets (ROA) | 0.8453% | 3,253 |
| Pretax return on assets | 1.1348% | 3,031 |
| Return on Equity (ROE) | 8.2807% | 2,897 |
| Retained earnings to average equity (ytd only) | 6.3901% | 2,010 |
| Net charge-offs to loans | -0.1164% | 5,842 |
| Credit loss provision to net charge-offs | -24.6575% | 4,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4026% | 3,273 |
| Assets per employee ($millions) | 4.9170% | 2,377 |
| Cash dividends to net income (ytd only)* | 22.8311% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9781% | 1,019 |
| Loan loss allowance to noncurrent loans | 170.6077% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 3,137 |
| Noncurrent loans to loans | 1.1594% | 2,330 |
| Net loans and leases to total assets | 63.4928% | 3,346 |
| Net loans and leases to deposits | 71.4539% | 3,764 |
| Net loans and leases to core deposits | 72.1817% | 4,111 |
| Total domestic deposits to total assets | 88.8584% | 1,213 |
| Equity capital to assets | 10.5855% | 3,347 |
| Core capital (leverage) ratio | 10.2727% | 3,250 |
| Tier 1 risk-based capital ratio | 14.7407% | 3,511 |
| Total risk-based capital ratio | 15.9975% | 3,428 |
| Memoranda: | ||
| Average total assets | $207,268,000 | 2,920 |
| Average earning assets | $194,939,670 | 2,879 |
| Average equity | $21,157,670 | 3,095 |
| Average total loans | $125,379,670 | 2,993 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4391% | 5,119 |
| Cost of funding earning assets | 0.2809% | 4,661 |
| Net interest margin | 3.1582% | 4,759 |
| Noninterest income to average assets | 0.7768% | 1,802 |
| Noninterest expense to average assets | 2.6463% | 3,756 |
| Loan and lease loss provision to assets | 0.0343% | 3,210 |
| Net operating income to assets | 0.8072% | 3,224 |
| Return on assets (ROA) | 0.8072% | 3,345 |
| Pretax return on assets | 1.0719% | 3,206 |
| Return on Equity (ROE) | 8.0507% | 2,935 |
| Retained earnings to average equity (ytd only) | 6.1519% | 2,402 |
| Net charge-offs to loans | -0.1824% | 6,030 |
| Credit loss provision to net charge-offs | -32.1429% | 4,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5226% | 3,391 |
| Assets per employee ($millions) | 5.2249% | 2,082 |
| Cash dividends to net income (ytd only)* | 23.5849% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0762% | 954 |
| Loan loss allowance to noncurrent loans | 158.4929% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.7747% | 3,173 |
| Noncurrent loans to loans | 1.3100% | 2,193 |
| Net loans and leases to total assets | 57.9083% | 3,953 |
| Net loans and leases to deposits | 64.7544% | 4,293 |
| Net loans and leases to core deposits | 65.5999% | 4,557 |
| Total domestic deposits to total assets | 89.4275% | 1,029 |
| Equity capital to assets | 10.1811% | 3,902 |
| Core capital (leverage) ratio | 9.8050% | 3,883 |
| Tier 1 risk-based capital ratio | 15.2877% | 3,274 |
| Total risk-based capital ratio | 16.5457% | 3,193 |
| Memoranda: | ||
| Average total assets | $210,104,000 | 2,909 |
| Average earning assets | $197,959,500 | 2,858 |
| Average equity | $21,066,500 | 3,130 |
| Average total loans | $122,778,500 | 3,043 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6028% | 5,074 |
| Cost of funding earning assets | 0.3017% | 4,775 |
| Net interest margin | 3.3011% | 4,563 |
| Noninterest income to average assets | 0.9176% | 1,448 |
| Noninterest expense to average assets | 2.7030% | 3,855 |
| Loan and lease loss provision to assets | 0.0543% | 3,468 |
| Net operating income to assets | 0.8973% | 2,890 |
| Return on assets (ROA) | 0.8771% | 3,072 |
| Pretax return on assets | 1.2070% | 2,626 |
| Return on Equity (ROE) | 8.9750% | 2,599 |
| Retained earnings to average equity (ytd only) | 6.9536% | 1,431 |
| Net charge-offs to loans | 0.1102% | 2,937 |
| Credit loss provision to net charge-offs | 83.9695% | 2,785 |
| Earnings coverage of net charge-offs (x) | 19.9237% | 1,744 |
| Efficiency ratio | 67.7100% | 3,942 |
| Assets per employee ($millions) | 5.2803% | 1,984 |
| Cash dividends to net income (ytd only)* | 22.5225% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0432% | 1,036 |
| Loan loss allowance to noncurrent loans | 144.2130% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 3,159 |
| Noncurrent loans to loans | 1.4168% | 2,074 |
| Net loans and leases to total assets | 56.5654% | 4,252 |
| Net loans and leases to deposits | 63.2557% | 4,605 |
| Net loans and leases to core deposits | 64.0726% | 4,821 |
| Total domestic deposits to total assets | 89.4234% | 1,005 |
| Equity capital to assets | 9.8740% | 4,264 |
| Core capital (leverage) ratio | 9.4442% | 4,312 |
| Tier 1 risk-based capital ratio | 15.2281% | 3,359 |
| Total risk-based capital ratio | 16.4857% | 3,307 |
| Memoranda: | ||
| Average total assets | $202,480,800 | 2,955 |
| Average earning assets | $188,574,400 | 2,926 |
| Average equity | $19,788,400 | 3,182 |
| Average total loans | $118,880,800 | 3,069 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6047% | 5,128 |
| Cost of funding earning assets | 0.2959% | 4,918 |
| Net interest margin | 3.3088% | 4,571 |
| Noninterest income to average assets | 0.9306% | 1,417 |
| Noninterest expense to average assets | 2.7398% | 3,673 |
| Loan and lease loss provision to assets | 0.0699% | 2,951 |
| Net operating income to assets | 0.8746% | 3,049 |
| Return on assets (ROA) | 0.8474% | 3,283 |
| Pretax return on assets | 1.1576% | 2,958 |
| Return on Equity (ROE) | 8.6944% | 2,848 |
| Retained earnings to average equity (ytd only) | 6.6454% | 2,018 |
| Net charge-offs to loans | 0.1659% | 2,133 |
| Credit loss provision to net charge-offs | 71.4286% | 2,745 |
| Earnings coverage of net charge-offs (x) | 12.9248% | 2,274 |
| Efficiency ratio | 68.4176% | 3,781 |
| Assets per employee ($millions) | 5.3544% | 1,859 |
| Cash dividends to net income (ytd only)* | 23.5664% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0366% | 1,190 |
| Loan loss allowance to noncurrent loans | 105.3282% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.0954% | 2,763 |
| Noncurrent loans to loans | 1.9336% | 1,653 |
| Net loans and leases to total assets | 55.4953% | 4,395 |
| Net loans and leases to deposits | 61.7574% | 4,765 |
| Net loans and leases to core deposits | 62.6229% | 4,994 |
| Total domestic deposits to total assets | 89.8602% | 801 |
| Equity capital to assets | 9.5207% | 4,776 |
| Core capital (leverage) ratio | 9.7305% | 4,025 |
| Tier 1 risk-based capital ratio | 14.9020% | 3,646 |
| Total risk-based capital ratio | 16.1595% | 3,571 |
| Memoranda: | ||
| Average total assets | $200,298,000 | 3,014 |
| Average earning assets | $186,085,000 | 2,982 |
| Average equity | $19,521,750 | 3,221 |
| Average total loans | $118,109,750 | 3,096 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6493% | 5,013 |
| Cost of funding earning assets | 0.3038% | 4,931 |
| Net interest margin | 3.3455% | 4,425 |
| Noninterest income to average assets | 1.0037% | 1,187 |
| Noninterest expense to average assets | 2.8354% | 3,387 |
| Loan and lease loss provision to assets | 0.0920% | 2,490 |
| Net operating income to assets | 0.8785% | 2,915 |
| Return on assets (ROA) | 0.8340% | 3,249 |
| Pretax return on assets | 1.1121% | 3,049 |
| Return on Equity (ROE) | 8.4859% | 2,842 |
| Retained earnings to average equity (ytd only) | 6.4060% | 2,086 |
| Net charge-offs to loans | 0.1008% | 2,672 |
| Credit loss provision to net charge-offs | 152.5424% | 1,440 |
| Earnings coverage of net charge-offs (x) | 20.9492% | 1,565 |
| Efficiency ratio | 69.1771% | 3,803 |
| Assets per employee ($millions) | 4.5047% | 2,910 |
| Cash dividends to net income (ytd only)* | 24.5098% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1467% | 1,092 |
| Loan loss allowance to noncurrent loans | 102.0867% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.2865% | 2,545 |
| Noncurrent loans to loans | 2.1028% | 1,587 |
| Net loans and leases to total assets | 59.8686% | 3,745 |
| Net loans and leases to deposits | 67.0874% | 4,153 |
| Net loans and leases to core deposits | 68.1355% | 4,449 |
| Total domestic deposits to total assets | 89.2396% | 1,227 |
| Equity capital to assets | 10.2674% | 3,734 |
| Core capital (leverage) ratio | 9.8685% | 3,784 |
| Tier 1 risk-based capital ratio | 14.8089% | 3,751 |
| Total risk-based capital ratio | 16.0673% | 3,683 |
| Memoranda: | ||
| Average total assets | $195,672,330 | 3,079 |
| Average earning assets | $181,020,000 | 3,068 |
| Average equity | $19,232,000 | 3,251 |
| Average total loans | $117,037,000 | 3,122 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5823% | 5,223 |
| Cost of funding earning assets | 0.3013% | 5,051 |
| Net interest margin | 3.2811% | 4,617 |
| Noninterest income to average assets | 0.8604% | 1,521 |
| Noninterest expense to average assets | 2.8232% | 3,476 |
| Loan and lease loss provision to assets | 0.0915% | 2,391 |
| Net operating income to assets | 0.7200% | 3,584 |
| Return on assets (ROA) | 0.7200% | 3,669 |
| Pretax return on assets | 0.9804% | 3,404 |
| Return on Equity (ROE) | 7.4905% | 3,210 |
| Retained earnings to average equity (ytd only) | 5.3745% | 2,873 |
| Net charge-offs to loans | -0.0103% | 5,059 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4804% | 3,407 |
| Assets per employee ($millions) | 4.7656% | 2,569 |
| Cash dividends to net income (ytd only)* | 28.2486% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2117% | 1,143 |
| Loan loss allowance to noncurrent loans | 119.4496% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.3389% | 2,639 |
| Noncurrent loans to loans | 1.8516% | 2,063 |
| Net loans and leases to total assets | 57.9516% | 3,847 |
| Net loans and leases to deposits | 64.5942% | 4,259 |
| Net loans and leases to core deposits | 65.6256% | 4,532 |
| Total domestic deposits to total assets | 89.7164% | 1,234 |
| Equity capital to assets | 9.8322% | 4,062 |
| Core capital (leverage) ratio | 9.8491% | 3,788 |
| Tier 1 risk-based capital ratio | 14.4274% | 4,042 |
| Total risk-based capital ratio | 15.6860% | 3,997 |
| Memoranda: | ||
| Average total assets | $196,658,000 | 3,095 |
| Average earning assets | $181,892,000 | 3,075 |
| Average equity | $18,904,000 | 3,290 |
| Average total loans | $116,300,500 | 3,149 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 4,469 |
| Cost of funding earning assets | 0.3776% | 4,865 |
| Net interest margin | 3.5213% | 3,801 |
| Noninterest income to average assets | 0.8986% | 1,681 |
| Noninterest expense to average assets | 2.8293% | 3,619 |
| Loan and lease loss provision to assets | 0.0802% | 3,504 |
| Net operating income to assets | 0.8655% | 2,947 |
| Return on assets (ROA) | 0.8500% | 3,112 |
| Pretax return on assets | 1.2188% | 2,502 |
| Return on Equity (ROE) | 8.9504% | 2,555 |
| Retained earnings to average equity (ytd only) | 7.3161% | 1,307 |
| Net charge-offs to loans | 0.5328% | 1,246 |
| Credit loss provision to net charge-offs | 25.2443% | 4,343 |
| Earnings coverage of net charge-offs (x) | 4.1596% | 3,655 |
| Efficiency ratio | 68.1665% | 4,166 |
| Assets per employee ($millions) | 4.9482% | 2,241 |
| Cash dividends to net income (ytd only)* | 18.2593% | 3,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1514% | 1,253 |
| Loan loss allowance to noncurrent loans | 114.4353% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.3480% | 2,733 |
| Noncurrent loans to loans | 1.8800% | 2,139 |
| Net loans and leases to total assets | 57.7465% | 4,078 |
| Net loans and leases to deposits | 64.0712% | 4,499 |
| Net loans and leases to core deposits | 64.9837% | 4,775 |
| Total domestic deposits to total assets | 90.1287% | 1,015 |
| Equity capital to assets | 9.3959% | 4,550 |
| Core capital (leverage) ratio | 9.4403% | 4,351 |
| Tier 1 risk-based capital ratio | 14.2131% | 4,147 |
| Total risk-based capital ratio | 15.4714% | 4,084 |
| Memoranda: | ||
| Average total assets | $193,302,000 | 3,106 |
| Average earning assets | $178,515,600 | 3,091 |
| Average equity | $18,356,800 | 3,359 |
| Average total loans | $115,249,800 | 3,143 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 4,211 |
| Cost of funding earning assets | 0.3914% | 4,895 |
| Net interest margin | 3.5886% | 3,499 |
| Noninterest income to average assets | 0.8931% | 1,780 |
| Noninterest expense to average assets | 2.8700% | 3,406 |
| Loan and lease loss provision to assets | 0.0659% | 3,741 |
| Net operating income to assets | 0.8779% | 2,947 |
| Return on assets (ROA) | 0.8611% | 3,156 |
| Pretax return on assets | 1.2414% | 2,543 |
| Return on Equity (ROE) | 9.0433% | 2,609 |
| Retained earnings to average equity (ytd only) | 7.5859% | 1,596 |
| Net charge-offs to loans | 0.7151% | 834 |
| Credit loss provision to net charge-offs | 15.4221% | 4,145 |
| Earnings coverage of net charge-offs (x) | 3.1153% | 3,796 |
| Efficiency ratio | 68.3072% | 4,034 |
| Assets per employee ($millions) | 4.5900% | 2,735 |
| Cash dividends to net income (ytd only)* | 16.1160% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0906% | 1,530 |
| Loan loss allowance to noncurrent loans | 115.0634% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.3188% | 3,008 |
| Noncurrent loans to loans | 1.8169% | 2,475 |
| Net loans and leases to total assets | 58.1819% | 3,982 |
| Net loans and leases to deposits | 64.5155% | 4,463 |
| Net loans and leases to core deposits | 65.4483% | 4,759 |
| Total domestic deposits to total assets | 90.1829% | 904 |
| Equity capital to assets | 9.3561% | 4,737 |
| Core capital (leverage) ratio | 9.3167% | 4,672 |
| Tier 1 risk-based capital ratio | 14.0129% | 4,425 |
| Total risk-based capital ratio | 15.2702% | 4,368 |
| Memoranda: | ||
| Average total assets | $192,145,750 | 3,150 |
| Average earning assets | $177,147,500 | 3,144 |
| Average equity | $18,296,750 | 3,404 |
| Average total loans | $114,860,000 | 3,165 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 4,000 |
| Cost of funding earning assets | 0.3989% | 4,958 |
| Net interest margin | 3.6314% | 3,239 |
| Noninterest income to average assets | 0.9138% | 1,771 |
| Noninterest expense to average assets | 2.8865% | 3,374 |
| Loan and lease loss provision to assets | 0.0578% | 3,851 |
| Net operating income to assets | 0.9033% | 2,777 |
| Return on assets (ROA) | 0.9033% | 2,921 |
| Pretax return on assets | 1.3161% | 2,244 |
| Return on Equity (ROE) | 9.4297% | 2,442 |
| Retained earnings to average equity (ytd only) | 7.2367% | 1,777 |
| Net charge-offs to loans | 0.7312% | 891 |
| Credit loss provision to net charge-offs | 13.1894% | 3,852 |
| Earnings coverage of net charge-offs (x) | 3.1367% | 3,485 |
| Efficiency ratio | 67.7515% | 4,227 |
| Assets per employee ($millions) | 4.6732% | 2,551 |
| Cash dividends to net income (ytd only)* | 23.2558% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2368% | 1,357 |
| Loan loss allowance to noncurrent loans | 128.0805% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 1.2783% | 3,206 |
| Noncurrent loans to loans | 1.7464% | 2,702 |
| Net loans and leases to total assets | 58.0965% | 3,969 |
| Net loans and leases to deposits | 64.3592% | 4,455 |
| Net loans and leases to core deposits | 65.5610% | 4,735 |
| Total domestic deposits to total assets | 90.2693% | 878 |
| Equity capital to assets | 9.2910% | 4,870 |
| Core capital (leverage) ratio | 9.3698% | 4,433 |
| Tier 1 risk-based capital ratio | 14.0016% | 4,426 |
| Total risk-based capital ratio | 15.2614% | 4,381 |
| Memoranda: | ||
| Average total assets | $190,404,670 | 3,188 |
| Average earning assets | $175,471,670 | 3,182 |
| Average equity | $18,240,330 | 3,440 |
| Average total loans | $114,051,670 | 3,191 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 3,385 |
| Cost of funding earning assets | 0.4087% | 5,022 |
| Net interest margin | 3.7713% | 2,560 |
| Noninterest income to average assets | 0.8684% | 1,873 |
| Noninterest expense to average assets | 2.9551% | 3,142 |
| Loan and lease loss provision to assets | 0.0533% | 3,735 |
| Net operating income to assets | 0.9089% | 2,605 |
| Return on assets (ROA) | 0.9089% | 2,759 |
| Pretax return on assets | 1.3250% | 2,140 |
| Return on Equity (ROE) | 9.3408% | 2,334 |
| Retained earnings to average equity (ytd only) | 7.1481% | 2,091 |
| Net charge-offs to loans | 0.0106% | 3,933 |
| Credit loss provision to net charge-offs | 833.3333% | 359 |
| Earnings coverage of net charge-offs (x) | 215.3333% | 188 |
| Efficiency ratio | 68.1930% | 4,275 |
| Assets per employee ($millions) | 4.4654% | 3,038 |
| Cash dividends to net income (ytd only)* | 23.4742% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6609% | 960 |
| Loan loss allowance to noncurrent loans | 133.9597% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.4434% | 3,091 |
| Noncurrent loans to loans | 1.9863% | 2,633 |
| Net loans and leases to total assets | 58.3990% | 3,720 |
| Net loans and leases to deposits | 65.1097% | 4,173 |
| Net loans and leases to core deposits | 66.3880% | 4,483 |
| Total domestic deposits to total assets | 89.6932% | 1,235 |
| Equity capital to assets | 9.7837% | 4,449 |
| Core capital (leverage) ratio | 9.4216% | 4,205 |
| Tier 1 risk-based capital ratio | 14.4602% | 4,208 |
| Total risk-based capital ratio | 15.7248% | 4,157 |
| Memoranda: | ||
| Average total assets | $187,469,500 | 3,260 |
| Average earning assets | $172,247,000 | 3,252 |
| Average equity | $18,242,500 | 3,492 |
| Average total loans | $112,758,500 | 3,236 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3485% | 4,028 |
| Cost of funding earning assets | 0.5367% | 4,940 |
| Net interest margin | 3.8118% | 3,172 |
| Noninterest income to average assets | 0.9510% | 1,700 |
| Noninterest expense to average assets | 2.9648% | 3,404 |
| Loan and lease loss provision to assets | 0.1881% | 3,291 |
| Net operating income to assets | 0.8578% | 3,006 |
| Return on assets (ROA) | 0.8578% | 3,252 |
| Pretax return on assets | 1.2220% | 2,717 |
| Return on Equity (ROE) | 9.0972% | 2,594 |
| Retained earnings to average equity (ytd only) | 9.0972% | 794 |
| Net charge-offs to loans | 0.1665% | 4,050 |
| Credit loss provision to net charge-offs | 185.4839% | 1,414 |
| Earnings coverage of net charge-offs (x) | 13.9032% | 1,779 |
| Efficiency ratio | 67.7677% | 4,192 |
| Assets per employee ($millions) | 4.4617% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6301% | 991 |
| Loan loss allowance to noncurrent loans | 234.5699% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9280% | 4,182 |
| Noncurrent loans to loans | 1.1213% | 3,966 |
| Net loans and leases to total assets | 58.7140% | 3,853 |
| Net loans and leases to deposits | 65.4761% | 4,363 |
| Net loans and leases to core deposits | 66.7613% | 4,662 |
| Total domestic deposits to total assets | 89.6725% | 1,140 |
| Equity capital to assets | 9.6781% | 4,622 |
| Core capital (leverage) ratio | 9.1971% | 4,584 |
| Tier 1 risk-based capital ratio | 14.2507% | 4,204 |
| Total risk-based capital ratio | 15.5157% | 4,149 |
| Memoranda: | ||
| Average total assets | $183,383,800 | 3,270 |
| Average earning assets | $164,723,400 | 3,310 |
| Average equity | $17,291,000 | 3,574 |
| Average total loans | $111,720,600 | 3,259 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 3,918 |
| Cost of funding earning assets | 0.5634% | 4,973 |
| Net interest margin | 3.8683% | 3,034 |
| Noninterest income to average assets | 0.9452% | 1,685 |
| Noninterest expense to average assets | 2.9608% | 3,367 |
| Loan and lease loss provision to assets | 0.1864% | 3,257 |
| Net operating income to assets | 0.8824% | 3,066 |
| Return on assets (ROA) | 0.8824% | 3,308 |
| Pretax return on assets | 1.2567% | 2,763 |
| Return on Equity (ROE) | 9.4222% | 2,628 |
| Retained earnings to average equity (ytd only) | 9.4222% | 1,089 |
| Net charge-offs to loans | 0.0395% | 5,098 |
| Credit loss provision to net charge-offs | 772.7273% | 361 |
| Earnings coverage of net charge-offs (x) | 59.8166% | 652 |
| Efficiency ratio | 67.2311% | 4,223 |
| Assets per employee ($millions) | 4.5790% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6881% | 995 |
| Loan loss allowance to noncurrent loans | 193.1298% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 1.0983% | 4,101 |
| Noncurrent loans to loans | 1.3919% | 3,715 |
| Net loans and leases to total assets | 58.5428% | 4,037 |
| Net loans and leases to deposits | 65.0638% | 4,585 |
| Net loans and leases to core deposits | 65.9619% | 4,959 |
| Total domestic deposits to total assets | 89.9775% | 855 |
| Equity capital to assets | 9.4472% | 5,266 |
| Core capital (leverage) ratio | 9.1125% | 4,891 |
| Tier 1 risk-based capital ratio | 14.0980% | 4,460 |
| Total risk-based capital ratio | 15.3633% | 4,409 |
| Memoranda: | ||
| Average total assets | $182,381,500 | 3,304 |
| Average earning assets | $163,066,750 | 3,363 |
| Average equity | $17,079,750 | 3,640 |
| Average total loans | $111,401,250 | 3,293 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4473% | 3,990 |
| Cost of funding earning assets | 0.5839% | 5,037 |
| Net interest margin | 3.8634% | 3,074 |
| Noninterest income to average assets | 0.9734% | 1,538 |
| Noninterest expense to average assets | 3.0189% | 3,187 |
| Loan and lease loss provision to assets | 0.1827% | 3,276 |
| Net operating income to assets | 0.8771% | 3,007 |
| Return on assets (ROA) | 0.8771% | 3,263 |
| Pretax return on assets | 1.2448% | 2,747 |
| Return on Equity (ROE) | 9.3945% | 2,615 |
| Retained earnings to average equity (ytd only) | 9.3945% | 1,138 |
| Net charge-offs to loans | 0.0974% | 4,190 |
| Credit loss provision to net charge-offs | 305.5556% | 957 |
| Earnings coverage of net charge-offs (x) | 23.8704% | 1,239 |
| Efficiency ratio | 67.8954% | 4,140 |
| Assets per employee ($millions) | 4.2788% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6277% | 1,122 |
| Loan loss allowance to noncurrent loans | 216.1123% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.9789% | 4,414 |
| Noncurrent loans to loans | 1.2159% | 4,119 |
| Net loans and leases to total assets | 57.5522% | 4,241 |
| Net loans and leases to deposits | 63.8486% | 4,782 |
| Net loans and leases to core deposits | 65.0953% | 5,100 |
| Total domestic deposits to total assets | 90.1386% | 847 |
| Equity capital to assets | 9.1927% | 5,472 |
| Core capital (leverage) ratio | 9.0428% | 4,852 |
| Tier 1 risk-based capital ratio | 13.9488% | 4,481 |
| Total risk-based capital ratio | 15.2137% | 4,440 |
| Memoranda: | ||
| Average total assets | $180,596,000 | 3,347 |
| Average earning assets | $162,345,670 | 3,379 |
| Average equity | $16,861,000 | 3,664 |
| Average total loans | $110,887,330 | 3,312 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4363% | 4,172 |
| Cost of funding earning assets | 0.6002% | 5,123 |
| Net interest margin | 3.8361% | 3,211 |
| Noninterest income to average assets | 0.8893% | 1,792 |
| Noninterest expense to average assets | 3.0437% | 3,103 |
| Loan and lease loss provision to assets | 0.1697% | 3,273 |
| Net operating income to assets | 0.8486% | 3,168 |
| Return on assets (ROA) | 0.8486% | 3,406 |
| Pretax return on assets | 1.1903% | 2,946 |
| Return on Equity (ROE) | 9.0155% | 2,827 |
| Retained earnings to average equity (ytd only) | 9.0155% | 1,591 |
| Net charge-offs to loans | 0.5854% | 1,631 |
| Credit loss provision to net charge-offs | 46.2963% | 3,340 |
| Earnings coverage of net charge-offs (x) | 3.7099% | 2,775 |
| Efficiency ratio | 69.1161% | 3,960 |
| Assets per employee ($millions) | 4.1267% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4639% | 1,408 |
| Loan loss allowance to noncurrent loans | 137.1917% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 1.4838% | 3,641 |
| Noncurrent loans to loans | 1.7960% | 3,418 |
| Net loans and leases to total assets | 60.8124% | 3,489 |
| Net loans and leases to deposits | 67.5550% | 4,141 |
| Net loans and leases to core deposits | 69.0900% | 4,552 |
| Total domestic deposits to total assets | 90.0191% | 1,076 |
| Equity capital to assets | 9.4607% | 4,868 |
| Core capital (leverage) ratio | 9.2252% | 4,473 |
| Tier 1 risk-based capital ratio | 13.7292% | 4,661 |
| Total risk-based capital ratio | 14.9921% | 4,636 |
| Memoranda: | ||
| Average total assets | $176,759,500 | 3,430 |
| Average earning assets | $161,935,500 | 3,409 |
| Average equity | $16,638,000 | 3,709 |
| Average total loans | $110,692,500 | 3,338 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 4,391 |
| Cost of funding earning assets | 0.6654% | 5,740 |
| Net interest margin | 4.0008% | 2,871 |
| Noninterest income to average assets | 0.9818% | 1,415 |
| Noninterest expense to average assets | 3.1649% | 2,983 |
| Loan and lease loss provision to assets | 0.3401% | 2,977 |
| Net operating income to assets | 0.7778% | 3,145 |
| Return on assets (ROA) | 0.8712% | 2,873 |
| Pretax return on assets | 1.2539% | 2,288 |
| Return on Equity (ROE) | 9.1574% | 2,382 |
| Retained earnings to average equity (ytd only) | 2.9406% | 4,145 |
| Net charge-offs to loans | 0.3599% | 3,605 |
| Credit loss provision to net charge-offs | 144.8363% | 1,989 |
| Earnings coverage of net charge-offs (x) | 6.2116% | 2,559 |
| Efficiency ratio | 68.4534% | 4,263 |
| Assets per employee ($millions) | 4.0016% | 3,843 |
| Cash dividends to net income (ytd only)* | 67.8887% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5400% | 1,262 |
| Loan loss allowance to noncurrent loans | 134.1440% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.5301% | 3,658 |
| Noncurrent loans to loans | 1.8935% | 3,349 |
| Net loans and leases to total assets | 61.3023% | 3,725 |
| Net loans and leases to deposits | 68.0982% | 4,438 |
| Net loans and leases to core deposits | 69.6809% | 4,822 |
| Total domestic deposits to total assets | 90.0204% | 984 |
| Equity capital to assets | 9.3645% | 5,068 |
| Core capital (leverage) ratio | 8.9748% | 4,831 |
| Tier 1 risk-based capital ratio | 13.4730% | 4,711 |
| Total risk-based capital ratio | 14.7369% | 4,668 |
| Memoranda: | ||
| Average total assets | $169,072,800 | 3,508 |
| Average earning assets | $153,894,600 | 3,514 |
| Average equity | $16,085,400 | 3,712 |
| Average total loans | $110,307,800 | 3,373 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 4,520 |
| Cost of funding earning assets | 0.6734% | 5,915 |
| Net interest margin | 4.0131% | 2,860 |
| Noninterest income to average assets | 0.9753% | 1,407 |
| Noninterest expense to average assets | 3.1085% | 3,124 |
| Loan and lease loss provision to assets | 0.3984% | 2,465 |
| Net operating income to assets | 0.7642% | 3,321 |
| Return on assets (ROA) | 0.8901% | 2,933 |
| Pretax return on assets | 1.2933% | 2,310 |
| Return on Equity (ROE) | 9.3170% | 2,459 |
| Retained earnings to average equity (ytd only) | 0.9759% | 5,615 |
| Net charge-offs to loans | 0.3896% | 3,166 |
| Credit loss provision to net charge-offs | 155.2795% | 2,002 |
| Earnings coverage of net charge-offs (x) | 5.8820% | 2,676 |
| Efficiency ratio | 67.3167% | 4,459 |
| Assets per employee ($millions) | 3.9298% | 4,005 |
| Cash dividends to net income (ytd only)* | 89.5253% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5173% | 1,375 |
| Loan loss allowance to noncurrent loans | 145.2996% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 1.5685% | 3,742 |
| Noncurrent loans to loans | 1.7325% | 3,723 |
| Net loans and leases to total assets | 63.0008% | 3,511 |
| Net loans and leases to deposits | 69.9052% | 4,319 |
| Net loans and leases to core deposits | 72.1470% | 4,699 |
| Total domestic deposits to total assets | 90.1231% | 802 |
| Equity capital to assets | 9.2881% | 5,400 |
| Core capital (leverage) ratio | 9.0264% | 4,886 |
| Tier 1 risk-based capital ratio | 13.3471% | 4,839 |
| Total risk-based capital ratio | 14.6121% | 4,797 |
| Memoranda: | ||
| Average total assets | $167,323,500 | 3,557 |
| Average earning assets | $151,863,500 | 3,569 |
| Average equity | $15,984,750 | 3,742 |
| Average total loans | $110,197,750 | 3,404 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 4,931 |
| Cost of funding earning assets | 0.6830% | 6,054 |
| Net interest margin | 3.9248% | 3,190 |
| Noninterest income to average assets | 1.0250% | 1,259 |
| Noninterest expense to average assets | 3.1959% | 2,912 |
| Loan and lease loss provision to assets | 0.5137% | 1,909 |
| Net operating income to assets | 0.6261% | 3,927 |
| Return on assets (ROA) | 0.8171% | 3,120 |
| Pretax return on assets | 1.1834% | 2,546 |
| Return on Equity (ROE) | 8.4714% | 2,726 |
| Retained earnings to average equity (ytd only) | 8.4714% | 1,274 |
| Net charge-offs to loans | 0.1787% | 4,096 |
| Credit loss provision to net charge-offs | 433.6735% | 696 |
| Earnings coverage of net charge-offs (x) | 11.9898% | 1,660 |
| Efficiency ratio | 69.2328% | 4,281 |
| Assets per employee ($millions) | 3.8026% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6240% | 1,281 |
| Loan loss allowance to noncurrent loans | 186.2893% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 1.4141% | 4,092 |
| Noncurrent loans to loans | 1.4086% | 4,302 |
| Net loans and leases to total assets | 65.6964% | 3,091 |
| Net loans and leases to deposits | 74.7404% | 3,686 |
| Net loans and leases to core deposits | 79.0712% | 3,921 |
| Total domestic deposits to total assets | 87.8995% | 2,207 |
| Equity capital to assets | 9.8084% | 4,380 |
| Core capital (leverage) ratio | 9.7620% | 3,575 |
| Tier 1 risk-based capital ratio | 13.8406% | 4,281 |
| Total risk-based capital ratio | 15.1069% | 4,236 |
| Memoranda: | ||
| Average total assets | $165,461,670 | 3,602 |
| Average earning assets | $151,396,000 | 3,604 |
| Average equity | $15,959,670 | 3,740 |
| Average total loans | $109,681,330 | 3,463 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5844% | 5,013 |
| Cost of funding earning assets | 0.7115% | 6,072 |
| Net interest margin | 3.8729% | 3,283 |
| Noninterest income to average assets | 0.9335% | 1,531 |
| Noninterest expense to average assets | 3.2358% | 2,748 |
| Loan and lease loss provision to assets | 0.7293% | 1,159 |
| Net operating income to assets | 0.3362% | 5,244 |
| Return on assets (ROA) | 0.7147% | 3,519 |
| Pretax return on assets | 1.0454% | 2,966 |
| Return on Equity (ROE) | 7.4743% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.4743% | 1,951 |
| Net charge-offs to loans | -0.0074% | 6,295 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6528% | 3,741 |
| Assets per employee ($millions) | 3.6983% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7002% | 1,205 |
| Loan loss allowance to noncurrent loans | 189.9094% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 2.1951% | 3,070 |
| Noncurrent loans to loans | 1.4219% | 4,334 |
| Net loans and leases to total assets | 65.0150% | 3,235 |
| Net loans and leases to deposits | 72.3256% | 4,016 |
| Net loans and leases to core deposits | 74.6813% | 4,464 |
| Total domestic deposits to total assets | 89.8921% | 1,216 |
| Equity capital to assets | 9.7281% | 4,141 |
| Core capital (leverage) ratio | 9.6388% | 3,613 |
| Tier 1 risk-based capital ratio | 13.9129% | 4,131 |
| Total risk-based capital ratio | 15.1798% | 4,093 |
| Memoranda: | ||
| Average total assets | $164,535,000 | 3,637 |
| Average earning assets | $149,551,000 | 3,649 |
| Average equity | $15,734,000 | 3,766 |
| Average total loans | $108,081,000 | 3,540 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0491% | 4,319 |
| Cost of funding earning assets | 1.0313% | 5,525 |
| Net interest margin | 4.0178% | 2,936 |
| Noninterest income to average assets | 0.8534% | 2,042 |
| Noninterest expense to average assets | 3.3752% | 2,511 |
| Loan and lease loss provision to assets | 0.9782% | 1,656 |
| Net operating income to assets | 0.1481% | 5,448 |
| Return on assets (ROA) | 0.4408% | 4,519 |
| Pretax return on assets | 0.5410% | 4,497 |
| Return on Equity (ROE) | 4.6818% | 4,216 |
| Retained earnings to average equity (ytd only) | 4.6818% | 2,620 |
| Net charge-offs to loans | 0.5471% | 3,421 |
| Credit loss provision to net charge-offs | 264.0264% | 1,064 |
| Earnings coverage of net charge-offs (x) | 3.1254% | 3,509 |
| Efficiency ratio | 74.4572% | 3,306 |
| Assets per employee ($millions) | 3.7806% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4527% | 1,475 |
| Loan loss allowance to noncurrent loans | 148.7020% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 2.1269% | 3,182 |
| Noncurrent loans to loans | 1.6494% | 4,030 |
| Net loans and leases to total assets | 62.9988% | 4,071 |
| Net loans and leases to deposits | 69.8603% | 4,832 |
| Net loans and leases to core deposits | 72.0693% | 5,200 |
| Total domestic deposits to total assets | 90.1783% | 1,001 |
| Equity capital to assets | 9.4009% | 4,547 |
| Core capital (leverage) ratio | 9.2016% | 4,164 |
| Tier 1 risk-based capital ratio | 14.0701% | 3,825 |
| Total risk-based capital ratio | 15.3321% | 3,786 |
| Memoranda: | ||
| Average total assets | $163,574,000 | 3,640 |
| Average earning assets | $149,808,400 | 3,637 |
| Average equity | $15,400,000 | 3,873 |
| Average total loans | $110,756,400 | 3,526 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0555% | 4,569 |
| Cost of funding earning assets | 1.0365% | 5,764 |
| Net interest margin | 4.0190% | 3,012 |
| Noninterest income to average assets | 0.9012% | 1,792 |
| Noninterest expense to average assets | 3.2293% | 2,820 |
| Loan and lease loss provision to assets | 1.0641% | 1,382 |
| Net operating income to assets | 0.2279% | 5,429 |
| Return on assets (ROA) | 0.5566% | 4,231 |
| Pretax return on assets | 0.6974% | 4,232 |
| Return on Equity (ROE) | 5.9101% | 3,859 |
| Retained earnings to average equity (ytd only) | 5.9101% | 2,412 |
| Net charge-offs to loans | 0.6607% | 2,779 |
| Credit loss provision to net charge-offs | 235.0814% | 1,438 |
| Earnings coverage of net charge-offs (x) | 2.9838% | 3,639 |
| Efficiency ratio | 70.5094% | 3,969 |
| Assets per employee ($millions) | 3.7826% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2293% | 1,742 |
| Loan loss allowance to noncurrent loans | 107.7547% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 2.3324% | 3,048 |
| Noncurrent loans to loans | 2.0688% | 3,600 |
| Net loans and leases to total assets | 62.9795% | 4,327 |
| Net loans and leases to deposits | 70.9595% | 5,004 |
| Net loans and leases to core deposits | 73.7447% | 5,327 |
| Total domestic deposits to total assets | 88.7542% | 1,533 |
| Equity capital to assets | 9.4932% | 4,857 |
| Core capital (leverage) ratio | 9.4886% | 3,924 |
| Tier 1 risk-based capital ratio | 14.2391% | 3,674 |
| Total risk-based capital ratio | 15.5013% | 3,623 |
| Memoranda: | ||
| Average total assets | $162,881,000 | 3,697 |
| Average earning assets | $149,087,750 | 3,701 |
| Average equity | $15,340,500 | 3,929 |
| Average total loans | $111,587,750 | 3,563 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1155% | 4,371 |
| Cost of funding earning assets | 1.0672% | 5,834 |
| Net interest margin | 4.0483% | 2,795 |
| Noninterest income to average assets | 0.8423% | 1,912 |
| Noninterest expense to average assets | 3.2221% | 2,826 |
| Loan and lease loss provision to assets | 0.7421% | 1,948 |
| Net operating income to assets | 0.4236% | 4,645 |
| Return on assets (ROA) | 0.4453% | 4,719 |
| Pretax return on assets | 0.6098% | 4,540 |
| Return on Equity (ROE) | 4.7408% | 4,416 |
| Retained earnings to average equity (ytd only) | 4.7408% | 3,055 |
| Net charge-offs to loans | 0.4140% | 3,334 |
| Credit loss provision to net charge-offs | 256.4103% | 1,485 |
| Earnings coverage of net charge-offs (x) | 4.5684% | 2,913 |
| Efficiency ratio | 70.9036% | 4,000 |
| Assets per employee ($millions) | 3.5323% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7948% | 2,733 |
| Loan loss allowance to noncurrent loans | 81.6335% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 2.6541% | 2,723 |
| Noncurrent loans to loans | 2.1986% | 3,483 |
| Net loans and leases to total assets | 70.7287% | 2,738 |
| Net loans and leases to deposits | 80.2137% | 3,564 |
| Net loans and leases to core deposits | 83.6667% | 4,174 |
| Total domestic deposits to total assets | 88.1754% | 1,904 |
| Equity capital to assets | 10.0192% | 4,002 |
| Core capital (leverage) ratio | 9.4785% | 3,849 |
| Tier 1 risk-based capital ratio | 12.9703% | 4,475 |
| Total risk-based capital ratio | 14.2266% | 4,426 |
| Memoranda: | ||
| Average total assets | $161,696,330 | 3,749 |
| Average earning assets | $147,863,330 | 3,741 |
| Average equity | $15,187,330 | 3,956 |
| Average total loans | $113,047,000 | 3,558 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0214% | 4,921 |
| Cost of funding earning assets | 1.1153% | 5,829 |
| Net interest margin | 3.9061% | 3,299 |
| Noninterest income to average assets | 0.7693% | 2,181 |
| Noninterest expense to average assets | 3.1474% | 3,067 |
| Loan and lease loss provision to assets | 0.7280% | 1,749 |
| Net operating income to assets | 0.3575% | 5,038 |
| Return on assets (ROA) | 0.3664% | 5,117 |
| Pretax return on assets | 0.4926% | 4,982 |
| Return on Equity (ROE) | 4.0280% | 4,885 |
| Retained earnings to average equity (ytd only) | 4.0280% | 3,736 |
| Net charge-offs to loans | 0.2253% | 3,577 |
| Credit loss provision to net charge-offs | 468.7500% | 894 |
| Earnings coverage of net charge-offs (x) | 7.7813% | 2,040 |
| Efficiency ratio | 72.2563% | 3,880 |
| Assets per employee ($millions) | 3.6386% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 3,212 |
| Loan loss allowance to noncurrent loans | 49.4471% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 3.4116% | 2,074 |
| Noncurrent loans to loans | 3.3576% | 2,381 |
| Net loans and leases to total assets | 69.4809% | 3,058 |
| Net loans and leases to deposits | 79.9125% | 3,669 |
| Net loans and leases to core deposits | 82.1953% | 4,459 |
| Total domestic deposits to total assets | 86.9463% | 2,659 |
| Equity capital to assets | 9.4535% | 4,608 |
| Core capital (leverage) ratio | 9.2072% | 4,210 |
| Tier 1 risk-based capital ratio | 12.5631% | 4,683 |
| Total risk-based capital ratio | 13.8170% | 4,648 |
| Memoranda: | ||
| Average total assets | $164,833,500 | 3,747 |
| Average earning assets | $151,351,500 | 3,733 |
| Average equity | $14,995,000 | 4,016 |
| Average total loans | $113,602,000 | 3,602 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2708% | 5,322 |
| Cost of funding earning assets | 1.4163% | 5,859 |
| Net interest margin | 3.8545% | 3,463 |
| Noninterest income to average assets | 0.7305% | 2,783 |
| Noninterest expense to average assets | 3.1269% | 3,628 |
| Loan and lease loss provision to assets | 1.0841% | 2,105 |
| Net operating income to assets | 0.0964% | 5,224 |
| Return on assets (ROA) | 0.0813% | 5,302 |
| Pretax return on assets | 0.0644% | 5,289 |
| Return on Equity (ROE) | 0.9519% | 5,249 |
| Retained earnings to average equity (ytd only) | 0.9519% | 4,363 |
| Net charge-offs to loans | 1.5512% | 1,625 |
| Credit loss provision to net charge-offs | 95.5921% | 5,796 |
| Earnings coverage of net charge-offs (x) | 1.0260% | 5,086 |
| Efficiency ratio | 72.8804% | 4,120 |
| Assets per employee ($millions) | 3.8538% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 4,029 |
| Loan loss allowance to noncurrent loans | 34.1296% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 3.2076% | 2,145 |
| Noncurrent loans to loans | 4.2196% | 1,726 |
| Net loans and leases to total assets | 66.3124% | 4,076 |
| Net loans and leases to deposits | 75.4045% | 4,828 |
| Net loans and leases to core deposits | 83.2727% | 5,791 |
| Total domestic deposits to total assets | 87.9422% | 1,995 |
| Equity capital to assets | 8.7605% | 5,501 |
| Core capital (leverage) ratio | 8.8595% | 4,662 |
| Tier 1 risk-based capital ratio | 12.3195% | 4,662 |
| Total risk-based capital ratio | 13.5714% | 4,622 |
| Memoranda: | ||
| Average total assets | $166,043,400 | 3,672 |
| Average earning assets | $153,353,600 | 3,647 |
| Average equity | $14,182,400 | 4,211 |
| Average total loans | $121,392,800 | 3,454 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3360% | 5,245 |
| Cost of funding earning assets | 1.5005% | 5,822 |
| Net interest margin | 3.8355% | 3,499 |
| Noninterest income to average assets | 0.7201% | 2,884 |
| Noninterest expense to average assets | 3.1225% | 3,572 |
| Loan and lease loss provision to assets | 1.2714% | 1,518 |
| Net operating income to assets | -0.1308% | 5,946 |
| Return on assets (ROA) | -0.1598% | 6,010 |
| Pretax return on assets | -0.1598% | 5,918 |
| Return on Equity (ROE) | -1.8837% | 6,082 |
| Retained earnings to average equity (ytd only) | -1.8837% | 5,699 |
| Net charge-offs to loans | 1.2184% | 1,675 |
| Credit loss provision to net charge-offs | 139.8757% | 3,526 |
| Earnings coverage of net charge-offs (x) | 1.2549% | 4,833 |
| Efficiency ratio | 73.2437% | 4,007 |
| Assets per employee ($millions) | 3.8174% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7956% | 2,290 |
| Loan loss allowance to noncurrent loans | 56.3943% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 2.2951% | 2,981 |
| Noncurrent loans to loans | 3.1840% | 2,372 |
| Net loans and leases to total assets | 70.7871% | 3,317 |
| Net loans and leases to deposits | 80.6100% | 4,275 |
| Net loans and leases to core deposits | 92.3767% | 5,198 |
| Total domestic deposits to total assets | 87.8143% | 1,740 |
| Equity capital to assets | 8.7368% | 5,899 |
| Core capital (leverage) ratio | 8.4352% | 5,605 |
| Tier 1 risk-based capital ratio | 11.3921% | 5,545 |
| Total risk-based capital ratio | 12.6479% | 5,484 |
| Memoranda: | ||
| Average total assets | $165,162,500 | 3,704 |
| Average earning assets | $152,569,750 | 3,680 |
| Average equity | $14,014,250 | 4,291 |
| Average total loans | $123,219,250 | 3,442 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4797% | 4,736 |
| Cost of funding earning assets | 1.5473% | 5,935 |
| Net interest margin | 3.9324% | 2,969 |
| Noninterest income to average assets | 0.7161% | 2,893 |
| Noninterest expense to average assets | 3.1676% | 3,440 |
| Loan and lease loss provision to assets | 1.6441% | 1,017 |
| Net operating income to assets | -0.4433% | 6,491 |
| Return on assets (ROA) | -0.5042% | 6,564 |
| Pretax return on assets | -0.5042% | 6,427 |
| Return on Equity (ROE) | -6.0026% | 6,708 |
| Retained earnings to average equity (ytd only) | -6.0026% | 6,449 |
| Net charge-offs to loans | 1.8510% | 1,017 |
| Credit loss provision to net charge-offs | 117.6983% | 3,945 |
| Earnings coverage of net charge-offs (x) | 0.8596% | 4,892 |
| Efficiency ratio | 72.5118% | 4,304 |
| Assets per employee ($millions) | 3.3591% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 2,653 |
| Loan loss allowance to noncurrent loans | 66.6897% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.7213% | 3,603 |
| Noncurrent loans to loans | 2.4309% | 2,975 |
| Net loans and leases to total assets | 69.6593% | 3,780 |
| Net loans and leases to deposits | 79.1205% | 4,681 |
| Net loans and leases to core deposits | 91.2791% | 5,422 |
| Total domestic deposits to total assets | 88.0421% | 1,745 |
| Equity capital to assets | 8.5207% | 6,015 |
| Core capital (leverage) ratio | 8.3569% | 5,699 |
| Tier 1 risk-based capital ratio | 11.5519% | 5,333 |
| Total risk-based capital ratio | 12.8056% | 5,259 |
| Memoranda: | ||
| Average total assets | $164,227,670 | 3,731 |
| Average earning assets | $152,527,670 | 3,691 |
| Average equity | $13,794,000 | 4,355 |
| Average total loans | $123,934,670 | 3,455 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5408% | 4,690 |
| Cost of funding earning assets | 1.6089% | 5,996 |
| Net interest margin | 3.9319% | 2,919 |
| Noninterest income to average assets | 0.6553% | 3,171 |
| Noninterest expense to average assets | 3.1633% | 3,139 |
| Loan and lease loss provision to assets | 2.7716% | 405 |
| Net operating income to assets | -1.6309% | 7,552 |
| Return on assets (ROA) | -1.6309% | 7,553 |
| Pretax return on assets | -1.6309% | 7,414 |
| Return on Equity (ROE) | -19.5634% | 7,742 |
| Retained earnings to average equity (ytd only) | -19.5634% | 7,632 |
| Net charge-offs to loans | 1.9045% | 757 |
| Credit loss provision to net charge-offs | 186.8771% | 2,344 |
| Earnings coverage of net charge-offs (x) | 0.7691% | 4,408 |
| Efficiency ratio | 73.4974% | 3,917 |
| Assets per employee ($millions) | 3.8931% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7952% | 1,864 |
| Loan loss allowance to noncurrent loans | 58.8790% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 2.3350% | 2,454 |
| Noncurrent loans to loans | 3.0490% | 2,138 |
| Net loans and leases to total assets | 75.2099% | 2,453 |
| Net loans and leases to deposits | 86.8051% | 3,511 |
| Net loans and leases to core deposits | 103.7624% | 4,163 |
| Total domestic deposits to total assets | 86.6423% | 2,387 |
| Equity capital to assets | 8.0736% | 6,705 |
| Core capital (leverage) ratio | 7.9405% | 6,558 |
| Tier 1 risk-based capital ratio | 10.3782% | 6,517 |
| Total risk-based capital ratio | 11.6347% | 6,424 |
| Memoranda: | ||
| Average total assets | $162,363,500 | 3,788 |
| Average earning assets | $150,664,000 | 3,736 |
| Average equity | $13,535,500 | 4,435 |
| Average total loans | $126,439,500 | 3,439 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9442% | 5,831 |
| Cost of funding earning assets | 2.1044% | 6,036 |
| Net interest margin | 3.8398% | 3,837 |
| Noninterest income to average assets | 0.6789% | 3,259 |
| Noninterest expense to average assets | 2.8520% | 4,596 |
| Loan and lease loss provision to assets | 0.7861% | 1,897 |
| Net operating income to assets | 0.3971% | 5,158 |
| Return on assets (ROA) | 0.1169% | 5,905 |
| Pretax return on assets | 0.1699% | 5,796 |
| Return on Equity (ROE) | 1.3902% | 5,799 |
| Retained earnings to average equity (ytd only) | 1.3902% | 4,385 |
| Net charge-offs to loans | 0.8326% | 1,506 |
| Credit loss provision to net charge-offs | 125.0969% | 4,273 |
| Earnings coverage of net charge-offs (x) | 2.1676% | 4,991 |
| Efficiency ratio | 67.6781% | 4,777 |
| Assets per employee ($millions) | 3.8385% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 3,473 |
| Loan loss allowance to noncurrent loans | 78.1604% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.3690% | 3,457 |
| Noncurrent loans to loans | 1.7289% | 3,174 |
| Net loans and leases to total assets | 78.1122% | 2,104 |
| Net loans and leases to deposits | 91.2504% | 3,251 |
| Net loans and leases to core deposits | 106.4731% | 4,135 |
| Total domestic deposits to total assets | 85.6021% | 2,583 |
| Equity capital to assets | 8.6033% | 5,930 |
| Core capital (leverage) ratio | 8.7610% | 5,097 |
| Tier 1 risk-based capital ratio | 10.5696% | 6,137 |
| Total risk-based capital ratio | 11.8203% | 6,040 |
| Memoranda: | ||
| Average total assets | $164,234,200 | 3,644 |
| Average earning assets | $151,206,600 | 3,632 |
| Average equity | $13,810,600 | 4,383 |
| Average total loans | $123,955,600 | 3,380 |