Home > The Home Trust & Savings Bank > Performance and Condition Ratios
The Home Trust & Savings 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 | 4.0444% | 3,888 |
| Cost of funding earning assets | 2.4251% | 432 |
| Net interest margin | 1.6193% | 4,494 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 1.0445% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5725% | 3,507 |
| Return on assets (ROA) | 0.5732% | 3,496 |
| Pretax return on assets | 0.6060% | 3,620 |
| Return on Equity (ROE) | 7.9700% | 3,030 |
| Retained earnings to average equity (ytd only) | 2.3178% | 3,501 |
| Net charge-offs to loans | 0.0028% | 2,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 336.2000% | 401 |
| Efficiency ratio | 63.3130% | 2,692 |
| Assets per employee ($millions) | 20.3774% | 95 |
| Cash dividends to net income (ytd only)* | 70.9171% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,192 |
| Loan loss allowance to noncurrent loans | 184.4146% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 1,254 |
| Noncurrent loans to loans | 0.6603% | 1,190 |
| Net loans and leases to total assets | 66.2800% | 2,229 |
| Net loans and leases to deposits | 78.7866% | 2,209 |
| Net loans and leases to core deposits | 87.2296% | 2,231 |
| Total domestic deposits to total assets | 84.1300% | 2,588 |
| Equity capital to assets | 7.1830% | 3,864 |
| Core capital (leverage) ratio | 10.0524% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7368% | 1,338 |
| Memoranda: | ||
| Average total assets | $277,733,000 | 2,539 |
| Average earning assets | $267,284,200 | 2,478 |
| Average equity | $19,975,800 | 2,857 |
| Average total loans | $181,723,800 | 2,432 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9513% | 3,921 |
| Cost of funding earning assets | 2.3461% | 368 |
| Net interest margin | 1.6052% | 4,512 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 0.9285% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6727% | 3,380 |
| Return on assets (ROA) | 0.6704% | 3,373 |
| Pretax return on assets | 0.7144% | 3,522 |
| Return on Equity (ROE) | 9.3200% | 2,843 |
| Retained earnings to average equity (ytd only) | 5.0519% | 2,916 |
| Net charge-offs to loans | 0.0045% | 2,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 247.1667% | 516 |
| Efficiency ratio | 56.4336% | 3,364 |
| Assets per employee ($millions) | 18.6411% | 109 |
| Cash dividends to net income (ytd only)* | 45.7823% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 2,078 |
| Loan loss allowance to noncurrent loans | 197.6251% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 1,375 |
| Noncurrent loans to loans | 0.6351% | 1,289 |
| Net loans and leases to total assets | 65.5600% | 2,282 |
| Net loans and leases to deposits | 75.4535% | 2,464 |
| Net loans and leases to core deposits | 83.4405% | 2,361 |
| Total domestic deposits to total assets | 86.8900% | 1,923 |
| Equity capital to assets | 6.4639% | 3,843 |
| Core capital (leverage) ratio | 10.4354% | 2,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0032% | 1,563 |
| Memoranda: | ||
| Average total assets | $275,845,250 | 2,552 |
| Average earning assets | $265,457,000 | 2,486 |
| Average equity | $19,846,750 | 2,861 |
| Average total loans | $179,297,500 | 2,458 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 3,927 |
| Cost of funding earning assets | 2.2734% | 295 |
| Net interest margin | 1.5952% | 4,569 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 0.9578% | 4,557 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6101% | 3,553 |
| Return on assets (ROA) | 0.6067% | 3,565 |
| Pretax return on assets | 0.6439% | 3,716 |
| Return on Equity (ROE) | 8.1500% | 3,201 |
| Retained earnings to average equity (ytd only) | 3.6599% | 3,299 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.6642% | 2,996 |
| Assets per employee ($millions) | 19.4207% | 100 |
| Cash dividends to net income (ytd only)* | 55.1020% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 1,877 |
| Loan loss allowance to noncurrent loans | 426.2774% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 2,186 |
| Noncurrent loans to loans | 0.3080% | 2,039 |
| Net loans and leases to total assets | 64.5800% | 2,323 |
| Net loans and leases to deposits | 74.8894% | 2,413 |
| Net loans and leases to core deposits | 81.4180% | 2,377 |
| Total domestic deposits to total assets | 86.2400% | 2,160 |
| Equity capital to assets | 7.4184% | 3,571 |
| Core capital (leverage) ratio | 10.3511% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4876% | 1,219 |
| Memoranda: | ||
| Average total assets | $274,588,333 | 2,560 |
| Average earning assets | $264,536,667 | 2,499 |
| Average equity | $20,437,667 | 2,826 |
| Average total loans | $177,180,667 | 2,473 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 3,830 |
| Cost of funding earning assets | 2.1871% | 200 |
| Net interest margin | 1.6275% | 4,626 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 0.9306% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6567% | 3,565 |
| Return on assets (ROA) | 0.6567% | 3,520 |
| Pretax return on assets | 0.6900% | 3,685 |
| Return on Equity (ROE) | 8.8100% | 3,101 |
| Retained earnings to average equity (ytd only) | 3.3250% | 3,428 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.4240% | 3,255 |
| Assets per employee ($millions) | 19.6063% | 98 |
| Cash dividends to net income (ytd only)* | 62.2517% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 1,912 |
| Loan loss allowance to noncurrent loans | 471.9192% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 2,247 |
| Noncurrent loans to loans | 0.2811% | 2,135 |
| Net loans and leases to total assets | 63.3100% | 2,320 |
| Net loans and leases to deposits | 71.2046% | 2,529 |
| Net loans and leases to core deposits | 77.0329% | 2,456 |
| Total domestic deposits to total assets | 88.9100% | 1,578 |
| Equity capital to assets | 7.8295% | 3,361 |
| Core capital (leverage) ratio | 10.1035% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4510% | 1,273 |
| Memoranda: | ||
| Average total assets | $275,937,500 | 2,584 |
| Average earning assets | $265,188,500 | 2,532 |
| Average equity | $20,571,500 | 2,837 |
| Average total loans | $176,803,000 | 2,492 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2362% | 3,747 |
| Cost of funding earning assets | 0.9485% | 207 |
| Net interest margin | 2.2877% | 4,437 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 1.0719% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1352% | 2,031 |
| Return on assets (ROA) | 1.1352% | 1,977 |
| Pretax return on assets | 1.2043% | 2,422 |
| Return on Equity (ROE) | 14.1100% | 1,506 |
| Retained earnings to average equity (ytd only) | 3.4055% | 3,593 |
| Net charge-offs to loans | -0.0957% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.0923% | 4,296 |
| Assets per employee ($millions) | 19.8134% | 96 |
| Cash dividends to net income (ytd only)* | 75.8632% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 1,825 |
| Loan loss allowance to noncurrent loans | 675.1445% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 2,656 |
| Noncurrent loans to loans | 0.1949% | 2,504 |
| Net loans and leases to total assets | 63.1500% | 2,315 |
| Net loans and leases to deposits | 75.9241% | 2,106 |
| Net loans and leases to core deposits | 81.6494% | 2,032 |
| Total domestic deposits to total assets | 83.1700% | 3,383 |
| Equity capital to assets | 7.0847% | 3,625 |
| Core capital (leverage) ratio | 10.2607% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3179% | 1,290 |
| Memoranda: | ||
| Average total assets | $270,447,800 | 2,604 |
| Average earning assets | $261,140,800 | 2,544 |
| Average equity | $21,759,000 | 2,789 |
| Average total loans | $167,262,600 | 2,483 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1375% | 3,588 |
| Cost of funding earning assets | 0.7056% | 258 |
| Net interest margin | 2.4320% | 4,283 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 0.9938% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3516% | 1,210 |
| Return on assets (ROA) | 1.3516% | 1,186 |
| Pretax return on assets | 1.4225% | 1,651 |
| Return on Equity (ROE) | 16.3000% | 920 |
| Retained earnings to average equity (ytd only) | 5.5281% | 2,916 |
| Net charge-offs to loans | -0.1303% | 4,554 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.1294% | 4,546 |
| Assets per employee ($millions) | 19.0759% | 115 |
| Cash dividends to net income (ytd only)* | 66.0793% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 1,722 |
| Loan loss allowance to noncurrent loans | 697.6119% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 2,731 |
| Noncurrent loans to loans | 0.1962% | 2,621 |
| Net loans and leases to total assets | 63.0600% | 2,183 |
| Net loans and leases to deposits | 71.8584% | 2,219 |
| Net loans and leases to core deposits | 76.6866% | 2,144 |
| Total domestic deposits to total assets | 87.7500% | 2,500 |
| Equity capital to assets | 6.5839% | 3,700 |
| Core capital (leverage) ratio | 10.6581% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0794% | 1,159 |
| Memoranda: | ||
| Average total assets | $268,713,000 | 2,633 |
| Average earning assets | $260,027,000 | 2,571 |
| Average equity | $22,285,750 | 2,797 |
| Average total loans | $164,704,250 | 2,500 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0204% | 3,507 |
| Cost of funding earning assets | 0.5561% | 378 |
| Net interest margin | 2.4643% | 4,142 |
| Noninterest income to average assets | 0.0498% | 4,632 |
| Noninterest expense to average assets | 1.0154% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3526% | 1,016 |
| Return on assets (ROA) | 1.3526% | 1,000 |
| Pretax return on assets | 1.4239% | 1,376 |
| Return on Equity (ROE) | 15.2683% | 842 |
| Retained earnings to average equity (ytd only) | 5.2068% | 2,632 |
| Net charge-offs to loans | -0.2004% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6261% | 4,578 |
| Assets per employee ($millions) | 17.6739% | 127 |
| Cash dividends to net income (ytd only)* | 65.8979% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 1,717 |
| Loan loss allowance to noncurrent loans | 517.4779% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 2,397 |
| Noncurrent loans to loans | 0.2725% | 2,389 |
| Net loans and leases to total assets | 61.6941% | 2,155 |
| Net loans and leases to deposits | 69.3972% | 2,267 |
| Net loans and leases to core deposits | 74.1159% | 2,160 |
| Total domestic deposits to total assets | 88.9000% | 2,229 |
| Equity capital to assets | 7.9296% | 3,173 |
| Core capital (leverage) ratio | 10.3711% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2832% | 1,127 |
| Memoranda: | ||
| Average total assets | $269,263,333 | 2,653 |
| Average earning assets | $261,093,000 | 2,594 |
| Average equity | $23,853,333 | 2,754 |
| Average total loans | $162,692,333 | 2,528 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9710% | 3,336 |
| Cost of funding earning assets | 0.5398% | 394 |
| Net interest margin | 2.4312% | 4,016 |
| Noninterest income to average assets | 0.0442% | 4,667 |
| Noninterest expense to average assets | 0.9184% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4108% | 776 |
| Return on assets (ROA) | 1.4108% | 772 |
| Pretax return on assets | 1.4830% | 1,045 |
| Return on Equity (ROE) | 15.1490% | 625 |
| Retained earnings to average equity (ytd only) | 5.6512% | 2,367 |
| Net charge-offs to loans | -0.4047% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2443% | 4,676 |
| Assets per employee ($millions) | 19.5547% | 110 |
| Cash dividends to net income (ytd only)* | 62.6959% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 1,841 |
| Loan loss allowance to noncurrent loans | 356.0122% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 2,197 |
| Noncurrent loans to loans | 0.3984% | 2,066 |
| Net loans and leases to total assets | 59.3825% | 2,133 |
| Net loans and leases to deposits | 66.9758% | 2,246 |
| Net loans and leases to core deposits | 71.7516% | 2,134 |
| Total domestic deposits to total assets | 88.6626% | 2,224 |
| Equity capital to assets | 8.2826% | 3,339 |
| Core capital (leverage) ratio | 10.3764% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0249% | 1,248 |
| Memoranda: | ||
| Average total assets | $271,341,000 | 2,656 |
| Average earning assets | $263,079,500 | 2,596 |
| Average equity | $25,269,000 | 2,753 |
| Average total loans | $161,091,000 | 2,537 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2390% | 3,378 |
| Cost of funding earning assets | 0.6365% | 455 |
| Net interest margin | 2.6025% | 4,044 |
| Noninterest income to average assets | 0.0625% | 4,700 |
| Noninterest expense to average assets | 1.0231% | 4,756 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4796% | 1,063 |
| Return on assets (ROA) | 1.4785% | 1,116 |
| Pretax return on assets | 1.5608% | 1,534 |
| Return on Equity (ROE) | 13.7958% | 1,247 |
| Retained earnings to average equity (ytd only) | 4.0107% | 3,218 |
| Net charge-offs to loans | 0.0058% | 2,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 455.4444% | 294 |
| Efficiency ratio | 39.5784% | 4,694 |
| Assets per employee ($millions) | 19.2083% | 118 |
| Cash dividends to net income (ytd only)* | 70.9278% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 1,982 |
| Loan loss allowance to noncurrent loans | 349.8392% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 2,402 |
| Noncurrent loans to loans | 0.3955% | 2,173 |
| Net loans and leases to total assets | 57.6753% | 2,406 |
| Net loans and leases to deposits | 66.6171% | 2,449 |
| Net loans and leases to core deposits | 71.1909% | 2,334 |
| Total domestic deposits to total assets | 86.5772% | 2,680 |
| Equity capital to assets | 10.3612% | 2,310 |
| Core capital (leverage) ratio | 10.7084% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8944% | 1,065 |
| Memoranda: | ||
| Average total assets | $262,430,800 | 2,647 |
| Average earning assets | $254,367,200 | 2,590 |
| Average equity | $28,124,600 | 2,643 |
| Average total loans | $155,519,800 | 2,583 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3159% | 3,342 |
| Cost of funding earning assets | 0.6602% | 473 |
| Net interest margin | 2.6557% | 4,047 |
| Noninterest income to average assets | 0.0659% | 4,765 |
| Noninterest expense to average assets | 0.9319% | 4,850 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6241% | 973 |
| Return on assets (ROA) | 1.6241% | 1,019 |
| Pretax return on assets | 1.7085% | 1,383 |
| Return on Equity (ROE) | 15.0262% | 1,134 |
| Retained earnings to average equity (ytd only) | 7.0141% | 2,415 |
| Net charge-offs to loans | 0.0095% | 1,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 303.8182% | 431 |
| Efficiency ratio | 35.2953% | 4,824 |
| Assets per employee ($millions) | 18.8394% | 124 |
| Cash dividends to net income (ytd only)* | 53.3207% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 2,037 |
| Loan loss allowance to noncurrent loans | 161.3957% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 1,405 |
| Noncurrent loans to loans | 0.8652% | 1,331 |
| Net loans and leases to total assets | 58.2045% | 2,463 |
| Net loans and leases to deposits | 69.2992% | 2,305 |
| Net loans and leases to core deposits | 74.5247% | 2,182 |
| Total domestic deposits to total assets | 83.9902% | 3,456 |
| Equity capital to assets | 10.7852% | 2,180 |
| Core capital (leverage) ratio | 11.2016% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7661% | 997 |
| Memoranda: | ||
| Average total assets | $260,809,500 | 2,688 |
| Average earning assets | $252,835,500 | 2,627 |
| Average equity | $28,190,000 | 2,668 |
| Average total loans | $155,081,250 | 2,623 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1246% | 3,814 |
| Cost of funding earning assets | 0.6926% | 481 |
| Net interest margin | 2.4320% | 4,390 |
| Noninterest income to average assets | 0.0739% | 4,778 |
| Noninterest expense to average assets | 0.9121% | 4,889 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4425% | 1,441 |
| Return on assets (ROA) | 1.4425% | 1,507 |
| Pretax return on assets | 1.5187% | 1,962 |
| Return on Equity (ROE) | 13.3359% | 1,615 |
| Retained earnings to average equity (ytd only) | 5.3016% | 3,072 |
| Net charge-offs to loans | 0.0129% | 1,694 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 197.3000% | 500 |
| Efficiency ratio | 37.5237% | 4,807 |
| Assets per employee ($millions) | 18.5822% | 121 |
| Cash dividends to net income (ytd only)* | 60.2455% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,910 |
| Loan loss allowance to noncurrent loans | 863.0952% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 3,364 |
| Noncurrent loans to loans | 0.1639% | 3,395 |
| Net loans and leases to total assets | 58.2685% | 2,638 |
| Net loans and leases to deposits | 67.9895% | 2,620 |
| Net loans and leases to core deposits | 72.8240% | 2,535 |
| Total domestic deposits to total assets | 85.7021% | 2,838 |
| Equity capital to assets | 10.8572% | 2,102 |
| Core capital (leverage) ratio | 10.3378% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9213% | 1,141 |
| Memoranda: | ||
| Average total assets | $259,829,000 | 2,687 |
| Average earning assets | $251,810,667 | 2,621 |
| Average equity | $28,104,667 | 2,665 |
| Average total loans | $154,878,667 | 2,637 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0838% | 3,920 |
| Cost of funding earning assets | 0.7256% | 500 |
| Net interest margin | 2.3582% | 4,462 |
| Noninterest income to average assets | 0.0416% | 4,866 |
| Noninterest expense to average assets | 0.9104% | 4,923 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3648% | 1,649 |
| Return on assets (ROA) | 1.3648% | 1,732 |
| Pretax return on assets | 1.4141% | 2,242 |
| Return on Equity (ROE) | 12.6416% | 1,772 |
| Retained earnings to average equity (ytd only) | 4.5801% | 3,342 |
| Net charge-offs to loans | -0.0026% | 3,186 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1650% | 4,769 |
| Assets per employee ($millions) | 18.7948% | 115 |
| Cash dividends to net income (ytd only)* | 63.7698% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 1,990 |
| Loan loss allowance to noncurrent loans | 283.5279% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 2,678 |
| Noncurrent loans to loans | 0.4914% | 2,379 |
| Net loans and leases to total assets | 58.7956% | 2,707 |
| Net loans and leases to deposits | 68.2373% | 2,677 |
| Net loans and leases to core deposits | 73.4448% | 2,562 |
| Total domestic deposits to total assets | 86.1633% | 2,677 |
| Equity capital to assets | 10.4755% | 2,293 |
| Core capital (leverage) ratio | 10.3167% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6149% | 1,141 |
| Memoranda: | ||
| Average total assets | $259,668,000 | 2,672 |
| Average earning assets | $251,378,000 | 2,600 |
| Average equity | $28,034,500 | 2,669 |
| Average total loans | $155,437,500 | 2,643 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5166% | 3,999 |
| Cost of funding earning assets | 1.1120% | 382 |
| Net interest margin | 2.4046% | 4,652 |
| Noninterest income to average assets | 0.0818% | 4,792 |
| Noninterest expense to average assets | 1.0274% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.3052% | 1,234 |
| Return on assets (ROA) | 1.3185% | 1,301 |
| Pretax return on assets | 1.3847% | 1,706 |
| Return on Equity (ROE) | 12.0343% | 1,311 |
| Retained earnings to average equity (ytd only) | 4.5829% | 2,490 |
| Net charge-offs to loans | 0.0239% | 2,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 90.4474% | 839 |
| Efficiency ratio | 42.8405% | 4,821 |
| Assets per employee ($millions) | 17.0806% | 131 |
| Cash dividends to net income (ytd only)* | 61.9177% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,893 |
| Loan loss allowance to noncurrent loans | 234.9462% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 2,525 |
| Noncurrent loans to loans | 0.6040% | 2,186 |
| Net loans and leases to total assets | 59.2473% | 2,956 |
| Net loans and leases to deposits | 70.5006% | 2,827 |
| Net loans and leases to core deposits | 76.2657% | 2,712 |
| Total domestic deposits to total assets | 84.0380% | 3,096 |
| Equity capital to assets | 11.1257% | 2,154 |
| Core capital (leverage) ratio | 10.2245% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3889% | 1,174 |
| Memoranda: | ||
| Average total assets | $250,740,000 | 2,575 |
| Average earning assets | $241,542,000 | 2,521 |
| Average equity | $27,471,400 | 2,639 |
| Average total loans | $158,769,600 | 2,571 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5353% | 4,146 |
| Cost of funding earning assets | 1.0565% | 629 |
| Net interest margin | 2.4788% | 4,671 |
| Noninterest income to average assets | 0.0519% | 4,885 |
| Noninterest expense to average assets | 0.9806% | 4,973 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3841% | 1,137 |
| Return on assets (ROA) | 1.4019% | 1,193 |
| Pretax return on assets | 1.4773% | 1,496 |
| Return on Equity (ROE) | 12.8465% | 1,156 |
| Retained earnings to average equity (ytd only) | 5.7618% | 2,203 |
| Net charge-offs to loans | 0.0317% | 2,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 71.7895% | 978 |
| Efficiency ratio | 40.2017% | 4,886 |
| Assets per employee ($millions) | 18.3906% | 104 |
| Cash dividends to net income (ytd only)* | 55.1487% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 1,805 |
| Loan loss allowance to noncurrent loans | 194.7415% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 2,417 |
| Noncurrent loans to loans | 0.7101% | 2,018 |
| Net loans and leases to total assets | 60.5160% | 3,162 |
| Net loans and leases to deposits | 74.0824% | 2,947 |
| Net loans and leases to core deposits | 80.1496% | 2,827 |
| Total domestic deposits to total assets | 81.6875% | 3,498 |
| Equity capital to assets | 10.9928% | 2,403 |
| Core capital (leverage) ratio | 10.5053% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2432% | 1,201 |
| Memoranda: | ||
| Average total assets | $249,372,750 | 2,568 |
| Average earning assets | $240,160,750 | 2,512 |
| Average equity | $27,213,000 | 2,648 |
| Average total loans | $159,966,500 | 2,570 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6704% | 4,143 |
| Cost of funding earning assets | 1.1367% | 636 |
| Net interest margin | 2.5337% | 4,713 |
| Noninterest income to average assets | 0.0397% | 4,935 |
| Noninterest expense to average assets | 0.9989% | 5,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4042% | 1,103 |
| Return on assets (ROA) | 1.4181% | 1,164 |
| Pretax return on assets | 1.4935% | 1,469 |
| Return on Equity (ROE) | 13.0281% | 1,091 |
| Retained earnings to average equity (ytd only) | 6.1975% | 1,990 |
| Net charge-offs to loans | 0.0349% | 2,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 65.1429% | 918 |
| Efficiency ratio | 40.3141% | 4,907 |
| Assets per employee ($millions) | 17.8978% | 105 |
| Cash dividends to net income (ytd only)* | 52.4300% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 1,607 |
| Loan loss allowance to noncurrent loans | 99.2763% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.9734% | 1,239 |
| Noncurrent loans to loans | 1.4042% | 1,102 |
| Net loans and leases to total assets | 61.9614% | 3,132 |
| Net loans and leases to deposits | 76.1440% | 2,844 |
| Net loans and leases to core deposits | 82.0540% | 2,774 |
| Total domestic deposits to total assets | 81.3740% | 3,530 |
| Equity capital to assets | 11.1295% | 2,228 |
| Core capital (leverage) ratio | 10.2997% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1636% | 1,216 |
| Memoranda: | ||
| Average total assets | $246,674,000 | 2,560 |
| Average earning assets | $237,357,000 | 2,507 |
| Average equity | $26,849,667 | 2,660 |
| Average total loans | $160,623,667 | 2,560 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 4,100 |
| Cost of funding earning assets | 1.2327% | 689 |
| Net interest margin | 2.6339% | 4,727 |
| Noninterest income to average assets | 0.0507% | 4,976 |
| Noninterest expense to average assets | 1.0804% | 5,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4531% | 876 |
| Return on assets (ROA) | 1.4531% | 948 |
| Pretax return on assets | 1.4988% | 1,309 |
| Return on Equity (ROE) | 13.5050% | 789 |
| Retained earnings to average equity (ytd only) | 13.5050% | 285 |
| Net charge-offs to loans | 0.0296% | 1,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 76.4167% | 687 |
| Efficiency ratio | 41.8885% | 4,948 |
| Assets per employee ($millions) | 17.9067% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 1,867 |
| Loan loss allowance to noncurrent loans | 82.7160% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1432% | 1,116 |
| Noncurrent loans to loans | 1.6421% | 936 |
| Net loans and leases to total assets | 64.0486% | 3,063 |
| Net loans and leases to deposits | 78.3127% | 2,853 |
| Net loans and leases to core deposits | 84.7131% | 2,785 |
| Total domestic deposits to total assets | 81.7858% | 3,474 |
| Equity capital to assets | 10.8056% | 3,047 |
| Core capital (leverage) ratio | 10.9014% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3624% | 1,513 |
| Memoranda: | ||
| Average total assets | $244,726,500 | 2,526 |
| Average earning assets | $234,934,500 | 2,472 |
| Average equity | $26,331,000 | 2,689 |
| Average total loans | $162,210,000 | 2,524 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 4,146 |
| Cost of funding earning assets | 1.4310% | 503 |
| Net interest margin | 2.6191% | 4,894 |
| Noninterest income to average assets | 0.0046% | 5,122 |
| Noninterest expense to average assets | 1.1241% | 5,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3209% | 1,611 |
| Return on assets (ROA) | 1.3900% | 1,445 |
| Pretax return on assets | 1.4606% | 1,933 |
| Return on Equity (ROE) | 13.6815% | 962 |
| Retained earnings to average equity (ytd only) | 5.3156% | 2,267 |
| Net charge-offs to loans | -0.0044% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7495% | 4,954 |
| Assets per employee ($millions) | 17.0542% | 96 |
| Cash dividends to net income (ytd only)* | 61.1476% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 1,605 |
| Loan loss allowance to noncurrent loans | 104.9080% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.9683% | 1,298 |
| Noncurrent loans to loans | 1.3109% | 1,147 |
| Net loans and leases to total assets | 66.7703% | 2,862 |
| Net loans and leases to deposits | 81.9800% | 2,560 |
| Net loans and leases to core deposits | 88.8847% | 2,526 |
| Total domestic deposits to total assets | 81.4470% | 3,664 |
| Equity capital to assets | 10.7108% | 3,247 |
| Core capital (leverage) ratio | 10.4436% | 3,013 |
| Tier 1 risk-based capital ratio | 14.9884% | 2,782 |
| Total risk-based capital ratio | 16.2393% | 2,719 |
| Memoranda: | ||
| Average total assets | $240,719,000 | 2,519 |
| Average earning assets | $230,464,800 | 2,470 |
| Average equity | $24,456,400 | 2,750 |
| Average total loans | $159,897,000 | 2,509 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 4,292 |
| Cost of funding earning assets | 1.4388% | 500 |
| Net interest margin | 2.5967% | 5,004 |
| Noninterest income to average assets | 0.0503% | 5,113 |
| Noninterest expense to average assets | 1.1271% | 5,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3425% | 1,666 |
| Return on assets (ROA) | 1.4344% | 1,428 |
| Pretax return on assets | 1.5090% | 1,927 |
| Return on Equity (ROE) | 14.3106% | 925 |
| Retained earnings to average equity (ytd only) | 6.1378% | 2,309 |
| Net charge-offs to loans | -0.0067% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3840% | 4,999 |
| Assets per employee ($millions) | 17.0554% | 89 |
| Cash dividends to net income (ytd only)* | 57.1099% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 1,616 |
| Loan loss allowance to noncurrent loans | 121.0670% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.8988% | 1,507 |
| Noncurrent loans to loans | 1.1488% | 1,376 |
| Net loans and leases to total assets | 66.0404% | 3,043 |
| Net loans and leases to deposits | 82.2624% | 2,653 |
| Net loans and leases to core deposits | 88.5450% | 2,680 |
| Total domestic deposits to total assets | 80.2802% | 3,931 |
| Equity capital to assets | 10.6154% | 3,451 |
| Core capital (leverage) ratio | 10.4874% | 3,114 |
| Tier 1 risk-based capital ratio | 15.0173% | 2,835 |
| Total risk-based capital ratio | 16.2683% | 2,769 |
| Memoranda: | ||
| Average total assets | $241,209,000 | 2,538 |
| Average earning assets | $231,212,750 | 2,486 |
| Average equity | $24,177,250 | 2,792 |
| Average total loans | $159,460,500 | 2,542 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0039% | 4,368 |
| Cost of funding earning assets | 1.4394% | 467 |
| Net interest margin | 2.5645% | 5,095 |
| Noninterest income to average assets | 0.0504% | 5,166 |
| Noninterest expense to average assets | 1.0892% | 5,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3586% | 1,545 |
| Return on assets (ROA) | 1.4858% | 1,235 |
| Pretax return on assets | 1.5569% | 1,674 |
| Return on Equity (ROE) | 15.1173% | 734 |
| Retained earnings to average equity (ytd only) | 6.8103% | 1,894 |
| Net charge-offs to loans | -0.0025% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3553% | 5,084 |
| Assets per employee ($millions) | 17.0564% | 78 |
| Cash dividends to net income (ytd only)* | 54.9499% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3943% | 1,638 |
| Loan loss allowance to noncurrent loans | 155.7584% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7257% | 1,898 |
| Noncurrent loans to loans | 0.8952% | 1,825 |
| Net loans and leases to total assets | 65.6866% | 3,149 |
| Net loans and leases to deposits | 81.5541% | 2,778 |
| Net loans and leases to core deposits | 87.7475% | 2,823 |
| Total domestic deposits to total assets | 80.5436% | 3,926 |
| Equity capital to assets | 10.4050% | 3,601 |
| Core capital (leverage) ratio | 10.2337% | 3,353 |
| Tier 1 risk-based capital ratio | 14.9268% | 2,879 |
| Total risk-based capital ratio | 16.1778% | 2,794 |
| Memoranda: | ||
| Average total assets | $242,020,330 | 2,540 |
| Average earning assets | $232,326,000 | 2,481 |
| Average equity | $23,787,330 | 2,818 |
| Average total loans | $159,310,000 | 2,544 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 4,425 |
| Cost of funding earning assets | 1.4242% | 419 |
| Net interest margin | 2.5489% | 5,167 |
| Noninterest income to average assets | 0.0493% | 5,216 |
| Noninterest expense to average assets | 1.1181% | 5,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3069% | 1,677 |
| Return on assets (ROA) | 1.4005% | 1,410 |
| Pretax return on assets | 1.4743% | 1,851 |
| Return on Equity (ROE) | 14.6702% | 825 |
| Retained earnings to average equity (ytd only) | 6.1742% | 2,379 |
| Net charge-offs to loans | 0.0025% | 2,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 838.0000% | 73 |
| Efficiency ratio | 44.8321% | 5,077 |
| Assets per employee ($millions) | 17.3245% | 70 |
| Cash dividends to net income (ytd only)* | 57.9132% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 1,802 |
| Loan loss allowance to noncurrent loans | 353.2695% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 3,166 |
| Noncurrent loans to loans | 0.3868% | 3,195 |
| Net loans and leases to total assets | 65.9211% | 3,065 |
| Net loans and leases to deposits | 84.4908% | 2,328 |
| Net loans and leases to core deposits | 90.5732% | 2,435 |
| Total domestic deposits to total assets | 78.0216% | 4,512 |
| Equity capital to assets | 9.8263% | 3,992 |
| Core capital (leverage) ratio | 9.9173% | 3,691 |
| Tier 1 risk-based capital ratio | 14.4122% | 3,141 |
| Total risk-based capital ratio | 15.6632% | 3,068 |
| Memoranda: | ||
| Average total assets | $243,635,500 | 2,559 |
| Average earning assets | $233,667,500 | 2,499 |
| Average equity | $23,258,000 | 2,860 |
| Average total loans | $159,429,500 | 2,564 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7467% | 4,596 |
| Cost of funding earning assets | 1.0582% | 585 |
| Net interest margin | 2.6885% | 5,105 |
| Noninterest income to average assets | 0.0687% | 5,231 |
| Noninterest expense to average assets | 1.0426% | 5,348 |
| Loan and lease loss provision to assets | 0.4283% | 305 |
| Net operating income to assets | 1.1262% | 2,489 |
| Return on assets (ROA) | 1.1254% | 2,494 |
| Pretax return on assets | 1.1729% | 3,001 |
| Return on Equity (ROE) | 12.3562% | 1,596 |
| Retained earnings to average equity (ytd only) | 4.6199% | 2,985 |
| Net charge-offs to loans | 0.7640% | 205 |
| Credit loss provision to net charge-offs | 87.7238% | 2,751 |
| Earnings coverage of net charge-offs (x) | 3.2813% | 3,429 |
| Efficiency ratio | 39.4240% | 5,288 |
| Assets per employee ($millions) | 17.4806% | 70 |
| Cash dividends to net income (ytd only)* | 62.6109% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,587 |
| Loan loss allowance to noncurrent loans | 359.7403% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 3,146 |
| Noncurrent loans to loans | 0.3930% | 3,124 |
| Net loans and leases to total assets | 63.1481% | 3,448 |
| Net loans and leases to deposits | 79.0536% | 3,046 |
| Net loans and leases to core deposits | 84.4251% | 3,041 |
| Total domestic deposits to total assets | 79.8801% | 4,130 |
| Equity capital to assets | 9.2687% | 4,352 |
| Core capital (leverage) ratio | 9.8154% | 3,780 |
| Tier 1 risk-based capital ratio | 14.4333% | 3,095 |
| Total risk-based capital ratio | 15.6847% | 3,008 |
| Memoranda: | ||
| Average total assets | $240,263,800 | 2,548 |
| Average earning assets | $230,202,400 | 2,483 |
| Average equity | $21,883,800 | 2,903 |
| Average total loans | $153,537,400 | 2,603 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 4,627 |
| Cost of funding earning assets | 0.9577% | 722 |
| Net interest margin | 2.7505% | 5,129 |
| Noninterest income to average assets | 0.0697% | 5,296 |
| Noninterest expense to average assets | 1.0515% | 5,417 |
| Loan and lease loss provision to assets | 0.5525% | 193 |
| Net operating income to assets | 1.0704% | 2,779 |
| Return on assets (ROA) | 1.0693% | 2,800 |
| Pretax return on assets | 1.1017% | 3,398 |
| Return on Equity (ROE) | 11.7933% | 1,876 |
| Retained earnings to average equity (ytd only) | 3.5478% | 3,993 |
| Net charge-offs to loans | 1.0170% | 136 |
| Credit loss provision to net charge-offs | 85.0644% | 2,470 |
| Earnings coverage of net charge-offs (x) | 2.5485% | 3,234 |
| Efficiency ratio | 38.8465% | 5,353 |
| Assets per employee ($millions) | 16.8959% | 73 |
| Cash dividends to net income (ytd only)* | 69.9167% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 1,507 |
| Loan loss allowance to noncurrent loans | 241.8142% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 2,752 |
| Noncurrent loans to loans | 0.6010% | 2,578 |
| Net loans and leases to total assets | 62.6643% | 3,577 |
| Net loans and leases to deposits | 76.6416% | 3,359 |
| Net loans and leases to core deposits | 81.7417% | 3,347 |
| Total domestic deposits to total assets | 81.7627% | 3,678 |
| Equity capital to assets | 9.1079% | 4,452 |
| Core capital (leverage) ratio | 9.6892% | 3,952 |
| Tier 1 risk-based capital ratio | 14.6276% | 3,055 |
| Total risk-based capital ratio | 15.8788% | 2,979 |
| Memoranda: | ||
| Average total assets | $239,147,750 | 2,563 |
| Average earning assets | $229,284,000 | 2,505 |
| Average equity | $21,684,000 | 2,935 |
| Average total loans | $152,732,500 | 2,619 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6621% | 4,662 |
| Cost of funding earning assets | 0.8836% | 778 |
| Net interest margin | 2.7785% | 5,145 |
| Noninterest income to average assets | 0.0517% | 5,397 |
| Noninterest expense to average assets | 1.0383% | 5,481 |
| Loan and lease loss provision to assets | 0.7949% | 116 |
| Net operating income to assets | 0.8457% | 3,696 |
| Return on assets (ROA) | 0.8441% | 3,704 |
| Pretax return on assets | 0.8791% | 4,029 |
| Return on Equity (ROE) | 9.3232% | 2,882 |
| Retained earnings to average equity (ytd only) | 0.2301% | 4,917 |
| Net charge-offs to loans | 1.5270% | 78 |
| Credit loss provision to net charge-offs | 81.3993% | 2,242 |
| Earnings coverage of net charge-offs (x) | 1.7159% | 3,034 |
| Efficiency ratio | 38.2561% | 5,427 |
| Assets per employee ($millions) | 17.5243% | 63 |
| Cash dividends to net income (ytd only)* | 97.5321% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 1,681 |
| Loan loss allowance to noncurrent loans | 232.3210% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 2,740 |
| Noncurrent loans to loans | 0.6111% | 2,582 |
| Net loans and leases to total assets | 60.6269% | 3,749 |
| Net loans and leases to deposits | 73.4115% | 3,589 |
| Net loans and leases to core deposits | 78.3248% | 3,552 |
| Total domestic deposits to total assets | 82.5850% | 3,535 |
| Equity capital to assets | 8.6729% | 4,827 |
| Core capital (leverage) ratio | 9.4073% | 4,237 |
| Tier 1 risk-based capital ratio | 14.0700% | 3,323 |
| Total risk-based capital ratio | 15.3211% | 3,241 |
| Memoranda: | ||
| Average total assets | $240,016,000 | 2,561 |
| Average earning assets | $229,977,670 | 2,513 |
| Average equity | $21,730,670 | 2,946 |
| Average total loans | $153,505,330 | 2,633 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6276% | 4,646 |
| Cost of funding earning assets | 0.8079% | 918 |
| Net interest margin | 2.8197% | 5,137 |
| Noninterest income to average assets | 0.0539% | 5,466 |
| Noninterest expense to average assets | 1.1106% | 5,542 |
| Loan and lease loss provision to assets | 0.0640% | 2,487 |
| Net operating income to assets | 1.5622% | 930 |
| Return on assets (ROA) | 1.5589% | 944 |
| Pretax return on assets | 1.5875% | 1,423 |
| Return on Equity (ROE) | 16.8511% | 525 |
| Retained earnings to average equity (ytd only) | 7.8517% | 1,898 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1584% | 5,456 |
| Assets per employee ($millions) | 17.1716% | 65 |
| Cash dividends to net income (ytd only)* | 53.4054% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 1,331 |
| Loan loss allowance to noncurrent loans | 126.7442% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9180% | 1,725 |
| Noncurrent loans to loans | 1.2120% | 1,500 |
| Net loans and leases to total assets | 63.9379% | 3,316 |
| Net loans and leases to deposits | 77.9271% | 3,021 |
| Net loans and leases to core deposits | 82.9361% | 3,068 |
| Total domestic deposits to total assets | 82.0484% | 3,948 |
| Equity capital to assets | 9.0627% | 4,494 |
| Core capital (leverage) ratio | 9.7910% | 3,765 |
| Tier 1 risk-based capital ratio | 14.0619% | 3,349 |
| Total risk-based capital ratio | 15.3146% | 3,261 |
| Memoranda: | ||
| Average total assets | $237,354,000 | 2,609 |
| Average earning assets | $228,251,500 | 2,544 |
| Average equity | $21,957,000 | 2,960 |
| Average total loans | $154,816,000 | 2,632 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5316% | 4,732 |
| Cost of funding earning assets | 0.7163% | 942 |
| Net interest margin | 2.8153% | 5,150 |
| Noninterest income to average assets | 0.0554% | 5,519 |
| Noninterest expense to average assets | 1.1347% | 5,594 |
| Loan and lease loss provision to assets | 0.2332% | 826 |
| Net operating income to assets | 1.3126% | 1,196 |
| Return on assets (ROA) | 1.3142% | 1,210 |
| Pretax return on assets | 1.3945% | 2,010 |
| Return on Equity (ROE) | 13.6628% | 816 |
| Retained earnings to average equity (ytd only) | 4.1646% | 2,670 |
| Net charge-offs to loans | 0.3628% | 699 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 6.9720% | 3,110 |
| Efficiency ratio | 41.1022% | 5,506 |
| Assets per employee ($millions) | 16.7361% | 68 |
| Cash dividends to net income (ytd only)* | 69.5191% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 1,303 |
| Loan loss allowance to noncurrent loans | 98.4975% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.1570% | 1,283 |
| Noncurrent loans to loans | 1.5606% | 1,084 |
| Net loans and leases to total assets | 64.5165% | 3,301 |
| Net loans and leases to deposits | 77.0398% | 3,225 |
| Net loans and leases to core deposits | 81.8436% | 3,258 |
| Total domestic deposits to total assets | 83.7443% | 3,296 |
| Equity capital to assets | 9.4436% | 4,276 |
| Core capital (leverage) ratio | 9.7621% | 3,733 |
| Tier 1 risk-based capital ratio | 14.1152% | 3,299 |
| Total risk-based capital ratio | 15.3680% | 3,201 |
| Memoranda: | ||
| Average total assets | $229,409,400 | 2,641 |
| Average earning assets | $220,440,200 | 2,577 |
| Average equity | $22,067,200 | 2,950 |
| Average total loans | $147,466,000 | 2,680 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5309% | 4,741 |
| Cost of funding earning assets | 0.7061% | 933 |
| Net interest margin | 2.8248% | 5,188 |
| Noninterest income to average assets | 0.0508% | 5,609 |
| Noninterest expense to average assets | 1.0915% | 5,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5894% | 738 |
| Return on assets (ROA) | 1.5916% | 750 |
| Pretax return on assets | 1.6758% | 1,179 |
| Return on Equity (ROE) | 16.4696% | 484 |
| Retained earnings to average equity (ytd only) | 7.5093% | 1,428 |
| Net charge-offs to loans | 0.0009% | 3,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2,871.1053% | 21 |
| Efficiency ratio | 39.4759% | 5,592 |
| Assets per employee ($millions) | 16.3601% | 69 |
| Cash dividends to net income (ytd only)* | 54.4053% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 1,225 |
| Loan loss allowance to noncurrent loans | 342.8779% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 3,278 |
| Noncurrent loans to loans | 0.4685% | 3,292 |
| Net loans and leases to total assets | 63.0922% | 3,542 |
| Net loans and leases to deposits | 73.5955% | 3,616 |
| Net loans and leases to core deposits | 78.5731% | 3,583 |
| Total domestic deposits to total assets | 85.7283% | 2,418 |
| Equity capital to assets | 9.9572% | 3,954 |
| Core capital (leverage) ratio | 10.2770% | 3,228 |
| Tier 1 risk-based capital ratio | 14.8592% | 2,984 |
| Total risk-based capital ratio | 16.1127% | 2,908 |
| Memoranda: | ||
| Average total assets | $228,185,250 | 2,677 |
| Average earning assets | $219,242,000 | 2,606 |
| Average equity | $22,052,250 | 2,975 |
| Average total loans | $145,951,000 | 2,716 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5311% | 4,682 |
| Cost of funding earning assets | 0.6962% | 908 |
| Net interest margin | 2.8349% | 5,193 |
| Noninterest income to average assets | 0.0518% | 5,647 |
| Noninterest expense to average assets | 1.0777% | 5,724 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6122% | 682 |
| Return on assets (ROA) | 1.6139% | 703 |
| Pretax return on assets | 1.6990% | 1,062 |
| Return on Equity (ROE) | 16.8708% | 422 |
| Retained earnings to average equity (ytd only) | 7.8070% | 1,235 |
| Net charge-offs to loans | 0.0014% | 3,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1,934.0000% | 24 |
| Efficiency ratio | 38.8362% | 5,649 |
| Assets per employee ($millions) | 16.1166% | 72 |
| Cash dividends to net income (ytd only)* | 53.7249% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 1,219 |
| Loan loss allowance to noncurrent loans | 233.5644% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 2,813 |
| Noncurrent loans to loans | 0.6933% | 2,679 |
| Net loans and leases to total assets | 63.5177% | 3,448 |
| Net loans and leases to deposits | 73.3913% | 3,608 |
| Net loans and leases to core deposits | 78.4199% | 3,560 |
| Total domestic deposits to total assets | 86.5467% | 2,154 |
| Equity capital to assets | 9.9555% | 3,963 |
| Core capital (leverage) ratio | 9.9056% | 3,649 |
| Tier 1 risk-based capital ratio | 14.6989% | 3,064 |
| Total risk-based capital ratio | 15.9523% | 2,985 |
| Memoranda: | ||
| Average total assets | $227,900,000 | 2,698 |
| Average earning assets | $218,912,330 | 2,619 |
| Average equity | $21,801,000 | 2,998 |
| Average total loans | $145,646,000 | 2,720 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4621% | 4,793 |
| Cost of funding earning assets | 0.6662% | 995 |
| Net interest margin | 2.7959% | 5,249 |
| Noninterest income to average assets | 0.0524% | 5,724 |
| Noninterest expense to average assets | 1.1247% | 5,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5335% | 764 |
| Return on assets (ROA) | 1.5351% | 785 |
| Pretax return on assets | 1.6120% | 1,202 |
| Return on Equity (ROE) | 16.3763% | 478 |
| Retained earnings to average equity (ytd only) | 7.1728% | 1,795 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1239% | 5,667 |
| Assets per employee ($millions) | 16.3831% | 67 |
| Cash dividends to net income (ytd only)* | 56.2002% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5986% | 1,385 |
| Loan loss allowance to noncurrent loans | 281.2872% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5031% | 3,206 |
| Noncurrent loans to loans | 0.5683% | 3,102 |
| Net loans and leases to total assets | 63.3373% | 3,355 |
| Net loans and leases to deposits | 72.1807% | 3,595 |
| Net loans and leases to core deposits | 76.4885% | 3,608 |
| Total domestic deposits to total assets | 87.7483% | 1,865 |
| Equity capital to assets | 9.4727% | 4,304 |
| Core capital (leverage) ratio | 9.7375% | 3,828 |
| Tier 1 risk-based capital ratio | 14.2204% | 3,351 |
| Total risk-based capital ratio | 15.4738% | 3,266 |
| Memoranda: | ||
| Average total assets | $229,033,500 | 2,714 |
| Average earning assets | $219,754,000 | 2,643 |
| Average equity | $21,470,000 | 3,037 |
| Average total loans | $145,631,000 | 2,748 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4425% | 4,898 |
| Cost of funding earning assets | 0.6799% | 911 |
| Net interest margin | 2.7626% | 5,338 |
| Noninterest income to average assets | 0.0667% | 5,733 |
| Noninterest expense to average assets | 1.1883% | 5,833 |
| Loan and lease loss provision to assets | 0.0979% | 2,415 |
| Net operating income to assets | 1.3580% | 1,080 |
| Return on assets (ROA) | 1.3687% | 1,113 |
| Pretax return on assets | 1.4454% | 1,765 |
| Return on Equity (ROE) | 13.8874% | 797 |
| Retained earnings to average equity (ytd only) | 4.3607% | 2,797 |
| Net charge-offs to loans | -0.5035% | 5,838 |
| Credit loss provision to net charge-offs | -30.6065% | 4,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6837% | 5,704 |
| Assets per employee ($millions) | 16.3359% | 68 |
| Cash dividends to net income (ytd only)* | 68.5997% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 1,273 |
| Loan loss allowance to noncurrent loans | 651.9337% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 4,092 |
| Noncurrent loans to loans | 0.2520% | 4,248 |
| Net loans and leases to total assets | 61.7696% | 3,638 |
| Net loans and leases to deposits | 70.2003% | 3,884 |
| Net loans and leases to core deposits | 74.3779% | 3,893 |
| Total domestic deposits to total assets | 87.9905% | 1,634 |
| Equity capital to assets | 9.2753% | 4,498 |
| Core capital (leverage) ratio | 9.7979% | 3,752 |
| Tier 1 risk-based capital ratio | 14.2419% | 3,320 |
| Total risk-based capital ratio | 15.4959% | 3,249 |
| Memoranda: | ||
| Average total assets | $221,739,400 | 2,745 |
| Average earning assets | $212,987,600 | 2,669 |
| Average equity | $21,854,400 | 2,998 |
| Average total loans | $140,821,600 | 2,772 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4321% | 4,950 |
| Cost of funding earning assets | 0.6847% | 881 |
| Net interest margin | 2.7474% | 5,433 |
| Noninterest income to average assets | 0.0594% | 5,809 |
| Noninterest expense to average assets | 1.1751% | 5,896 |
| Loan and lease loss provision to assets | 0.0679% | 2,861 |
| Net operating income to assets | 1.3941% | 1,082 |
| Return on assets (ROA) | 1.4085% | 1,104 |
| Pretax return on assets | 1.4751% | 1,788 |
| Return on Equity (ROE) | 14.0751% | 811 |
| Retained earnings to average equity (ytd only) | 5.7415% | 2,332 |
| Net charge-offs to loans | 0.0019% | 3,868 |
| Credit loss provision to net charge-offs | 5,600.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 1,258.8951% | 52 |
| Efficiency ratio | 43.4753% | 5,758 |
| Assets per employee ($millions) | 15.6963% | 70 |
| Cash dividends to net income (ytd only)* | 59.2082% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 3,769 |
| Loan loss allowance to noncurrent loans | 311.2903% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 4,540 |
| Noncurrent loans to loans | 0.3574% | 3,978 |
| Net loans and leases to total assets | 62.4543% | 3,598 |
| Net loans and leases to deposits | 71.9833% | 3,806 |
| Net loans and leases to core deposits | 76.9419% | 3,759 |
| Total domestic deposits to total assets | 86.7621% | 2,000 |
| Equity capital to assets | 10.2608% | 3,846 |
| Core capital (leverage) ratio | 9.9839% | 3,592 |
| Tier 1 risk-based capital ratio | 14.5826% | 3,243 |
| Total risk-based capital ratio | 15.6132% | 3,294 |
| Memoranda: | ||
| Average total assets | $219,998,500 | 2,769 |
| Average earning assets | $211,683,250 | 2,689 |
| Average equity | $22,014,750 | 3,004 |
| Average total loans | $140,119,750 | 2,782 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3927% | 5,094 |
| Cost of funding earning assets | 0.6887% | 851 |
| Net interest margin | 2.7040% | 5,564 |
| Noninterest income to average assets | 0.0663% | 5,869 |
| Noninterest expense to average assets | 1.1705% | 5,977 |
| Loan and lease loss provision to assets | 0.0682% | 2,775 |
| Net operating income to assets | 1.3578% | 1,145 |
| Return on assets (ROA) | 1.3777% | 1,169 |
| Pretax return on assets | 1.4495% | 1,841 |
| Return on Equity (ROE) | 13.8847% | 854 |
| Retained earnings to average equity (ytd only) | 5.4861% | 2,426 |
| Net charge-offs to loans | -0.0028% | 4,416 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8842% | 5,815 |
| Assets per employee ($millions) | 15.8467% | 71 |
| Cash dividends to net income (ytd only)* | 60.4881% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 4,115 |
| Loan loss allowance to noncurrent loans | 394.5170% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 4,812 |
| Noncurrent loans to loans | 0.2708% | 4,393 |
| Net loans and leases to total assets | 63.0681% | 3,493 |
| Net loans and leases to deposits | 73.7219% | 3,627 |
| Net loans and leases to core deposits | 78.7974% | 3,572 |
| Total domestic deposits to total assets | 85.5486% | 2,627 |
| Equity capital to assets | 10.1513% | 4,026 |
| Core capital (leverage) ratio | 9.7831% | 3,831 |
| Tier 1 risk-based capital ratio | 14.1204% | 3,539 |
| Total risk-based capital ratio | 15.1138% | 3,601 |
| Memoranda: | ||
| Average total assets | $220,082,000 | 2,772 |
| Average earning assets | $211,690,000 | 2,700 |
| Average equity | $21,837,000 | 3,027 |
| Average total loans | $140,564,330 | 2,782 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3882% | 5,153 |
| Cost of funding earning assets | 0.6731% | 931 |
| Net interest margin | 2.7152% | 5,594 |
| Noninterest income to average assets | 0.0693% | 5,909 |
| Noninterest expense to average assets | 1.2701% | 6,019 |
| Loan and lease loss provision to assets | 0.0693% | 2,566 |
| Net operating income to assets | 1.2686% | 1,341 |
| Return on assets (ROA) | 1.3102% | 1,307 |
| Pretax return on assets | 1.3796% | 1,965 |
| Return on Equity (ROE) | 13.3612% | 953 |
| Retained earnings to average equity (ytd only) | 4.8197% | 3,052 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4761% | 5,747 |
| Assets per employee ($millions) | 15.7201% | 76 |
| Cash dividends to net income (ytd only)* | 63.9276% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 4,392 |
| Loan loss allowance to noncurrent loans | 545.1852% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 5,086 |
| Noncurrent loans to loans | 0.1908% | 4,728 |
| Net loans and leases to total assets | 63.6457% | 3,287 |
| Net loans and leases to deposits | 73.7784% | 3,457 |
| Net loans and leases to core deposits | 78.6431% | 3,431 |
| Total domestic deposits to total assets | 86.2660% | 2,558 |
| Equity capital to assets | 9.9536% | 4,139 |
| Core capital (leverage) ratio | 9.7472% | 3,850 |
| Tier 1 risk-based capital ratio | 13.9813% | 3,710 |
| Total risk-based capital ratio | 14.9542% | 3,796 |
| Memoranda: | ||
| Average total assets | $219,196,000 | 2,790 |
| Average earning assets | $210,375,000 | 2,715 |
| Average equity | $21,495,000 | 3,067 |
| Average total loans | $140,131,500 | 2,781 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5087% | 4,897 |
| Cost of funding earning assets | 0.7370% | 680 |
| Net interest margin | 2.7717% | 5,567 |
| Noninterest income to average assets | 0.0748% | 5,933 |
| Noninterest expense to average assets | 1.0811% | 6,108 |
| Loan and lease loss provision to assets | 0.5170% | 217 |
| Net operating income to assets | 1.0755% | 2,025 |
| Return on assets (ROA) | 1.1457% | 1,816 |
| Pretax return on assets | 1.2048% | 2,644 |
| Return on Equity (ROE) | 11.8416% | 1,343 |
| Retained earnings to average equity (ytd only) | 4.8235% | 2,548 |
| Net charge-offs to loans | 0.7307% | 323 |
| Credit loss provision to net charge-offs | 115.2263% | 2,216 |
| Earnings coverage of net charge-offs (x) | 3.6728% | 3,681 |
| Efficiency ratio | 39.6143% | 6,072 |
| Assets per employee ($millions) | 15.5936% | 73 |
| Cash dividends to net income (ytd only)* | 59.2667% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 4,418 |
| Loan loss allowance to noncurrent loans | 1,078.1955% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 5,412 |
| Noncurrent loans to loans | 0.0959% | 5,114 |
| Net loans and leases to total assets | 62.8851% | 3,432 |
| Net loans and leases to deposits | 72.7511% | 3,642 |
| Net loans and leases to core deposits | 77.8485% | 3,562 |
| Total domestic deposits to total assets | 86.4386% | 2,416 |
| Equity capital to assets | 9.6578% | 4,360 |
| Core capital (leverage) ratio | 9.6663% | 3,953 |
| Tier 1 risk-based capital ratio | 14.0582% | 3,682 |
| Total risk-based capital ratio | 15.0213% | 3,774 |
| Memoranda: | ||
| Average total assets | $216,637,600 | 2,775 |
| Average earning assets | $207,455,400 | 2,701 |
| Average equity | $20,960,000 | 3,075 |
| Average total loans | $133,014,800 | 2,846 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5533% | 4,859 |
| Cost of funding earning assets | 0.7499% | 647 |
| Net interest margin | 2.8034% | 5,572 |
| Noninterest income to average assets | 0.0684% | 6,050 |
| Noninterest expense to average assets | 1.0945% | 6,196 |
| Loan and lease loss provision to assets | 0.6678% | 124 |
| Net operating income to assets | 0.9223% | 2,845 |
| Return on assets (ROA) | 1.0101% | 2,520 |
| Pretax return on assets | 1.0859% | 3,284 |
| Return on Equity (ROE) | 10.4350% | 1,925 |
| Retained earnings to average equity (ytd only) | 3.5802% | 3,920 |
| Net charge-offs to loans | 0.9849% | 193 |
| Credit loss provision to net charge-offs | 111.4198% | 2,097 |
| Earnings coverage of net charge-offs (x) | 2.7685% | 3,604 |
| Efficiency ratio | 39.7447% | 6,135 |
| Assets per employee ($millions) | 15.1561% | 78 |
| Cash dividends to net income (ytd only)* | 65.6897% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 4,351 |
| Loan loss allowance to noncurrent loans | 177.0596% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 4,282 |
| Noncurrent loans to loans | 0.6082% | 3,492 |
| Net loans and leases to total assets | 60.4798% | 3,813 |
| Net loans and leases to deposits | 69.4914% | 4,042 |
| Net loans and leases to core deposits | 75.3808% | 3,869 |
| Total domestic deposits to total assets | 87.0321% | 2,027 |
| Equity capital to assets | 9.9168% | 4,266 |
| Core capital (leverage) ratio | 9.6790% | 4,055 |
| Tier 1 risk-based capital ratio | 14.9680% | 3,309 |
| Total risk-based capital ratio | 15.9888% | 3,366 |
| Memoranda: | ||
| Average total assets | $216,219,250 | 2,801 |
| Average earning assets | $207,127,250 | 2,726 |
| Average equity | $20,929,000 | 3,099 |
| Average total loans | $131,588,750 | 2,878 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5368% | 4,892 |
| Cost of funding earning assets | 0.7498% | 650 |
| Net interest margin | 2.7870% | 5,637 |
| Noninterest income to average assets | 0.0689% | 6,114 |
| Noninterest expense to average assets | 1.1105% | 6,271 |
| Loan and lease loss provision to assets | 0.0689% | 2,735 |
| Net operating income to assets | 1.4926% | 906 |
| Return on assets (ROA) | 1.6170% | 752 |
| Pretax return on assets | 1.6878% | 1,107 |
| Return on Equity (ROE) | 16.8395% | 505 |
| Retained earnings to average equity (ytd only) | 8.2235% | 1,180 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5641% | 6,198 |
| Assets per employee ($millions) | 16.3683% | 68 |
| Cash dividends to net income (ytd only)* | 51.1654% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 4,748 |
| Loan loss allowance to noncurrent loans | 78.1735% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8182% | 2,930 |
| Noncurrent loans to loans | 1.3094% | 2,054 |
| Net loans and leases to total assets | 61.8461% | 3,571 |
| Net loans and leases to deposits | 70.5306% | 3,870 |
| Net loans and leases to core deposits | 76.3174% | 3,735 |
| Total domestic deposits to total assets | 87.6868% | 1,798 |
| Equity capital to assets | 9.9367% | 4,106 |
| Core capital (leverage) ratio | 9.7039% | 3,995 |
| Tier 1 risk-based capital ratio | 15.3718% | 3,173 |
| Total risk-based capital ratio | 16.3786% | 3,227 |
| Memoranda: | ||
| Average total assets | $217,564,000 | 2,809 |
| Average earning assets | $208,325,670 | 2,728 |
| Average equity | $20,891,330 | 3,121 |
| Average total loans | $132,209,670 | 2,873 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5055% | 4,945 |
| Cost of funding earning assets | 0.7422% | 683 |
| Net interest margin | 2.7633% | 5,714 |
| Noninterest income to average assets | 0.0764% | 6,158 |
| Noninterest expense to average assets | 1.0966% | 6,347 |
| Loan and lease loss provision to assets | 0.0691% | 2,562 |
| Net operating income to assets | 1.4744% | 897 |
| Return on assets (ROA) | 1.6731% | 656 |
| Pretax return on assets | 1.7604% | 938 |
| Return on Equity (ROE) | 17.7221% | 414 |
| Retained earnings to average equity (ytd only) | 9.0537% | 1,178 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3614% | 6,261 |
| Assets per employee ($millions) | 16.5557% | 67 |
| Cash dividends to net income (ytd only)* | 48.9130% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 5,091 |
| Loan loss allowance to noncurrent loans | 92.9775% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 3,505 |
| Noncurrent loans to loans | 1.0631% | 2,635 |
| Net loans and leases to total assets | 61.6223% | 3,429 |
| Net loans and leases to deposits | 68.8530% | 3,875 |
| Net loans and leases to core deposits | 74.3019% | 3,748 |
| Total domestic deposits to total assets | 89.4984% | 994 |
| Equity capital to assets | 9.7833% | 4,405 |
| Core capital (leverage) ratio | 9.3364% | 4,511 |
| Tier 1 risk-based capital ratio | 14.9342% | 3,463 |
| Total risk-based capital ratio | 15.9038% | 3,551 |
| Memoranda: | ||
| Average total assets | $219,952,000 | 2,808 |
| Average earning assets | $210,182,500 | 2,729 |
| Average equity | $20,765,000 | 3,156 |
| Average total loans | $131,833,500 | 2,887 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4793% | 5,367 |
| Cost of funding earning assets | 0.7778% | 729 |
| Net interest margin | 2.7015% | 5,936 |
| Noninterest income to average assets | 0.0692% | 6,246 |
| Noninterest expense to average assets | 1.0743% | 6,435 |
| Loan and lease loss provision to assets | 0.2434% | 952 |
| Net operating income to assets | 1.2629% | 1,393 |
| Return on assets (ROA) | 1.3091% | 1,335 |
| Pretax return on assets | 1.3778% | 1,967 |
| Return on Equity (ROE) | 14.1909% | 906 |
| Retained earnings to average equity (ytd only) | 4.4491% | 3,011 |
| Net charge-offs to loans | 0.2463% | 1,738 |
| Credit loss provision to net charge-offs | 184.4828% | 1,324 |
| Earnings coverage of net charge-offs (x) | 11.9172% | 2,436 |
| Efficiency ratio | 40.5879% | 6,389 |
| Assets per employee ($millions) | 17.2831% | 64 |
| Cash dividends to net income (ytd only)* | 68.6479% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 5,108 |
| Loan loss allowance to noncurrent loans | 111.0535% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 4,081 |
| Noncurrent loans to loans | 0.8927% | 3,086 |
| Net loans and leases to total assets | 57.1617% | 4,173 |
| Net loans and leases to deposits | 68.0472% | 4,122 |
| Net loans and leases to core deposits | 73.1271% | 4,015 |
| Total domestic deposits to total assets | 84.0030% | 3,715 |
| Equity capital to assets | 9.1125% | 5,170 |
| Core capital (leverage) ratio | 9.0253% | 4,954 |
| Tier 1 risk-based capital ratio | 14.7651% | 3,622 |
| Total risk-based capital ratio | 15.7182% | 3,733 |
| Memoranda: | ||
| Average total assets | $219,766,000 | 2,788 |
| Average earning assets | $209,700,000 | 2,712 |
| Average equity | $20,273,600 | 3,135 |
| Average total loans | $117,720,800 | 3,086 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4582% | 5,474 |
| Cost of funding earning assets | 0.7791% | 767 |
| Net interest margin | 2.6791% | 6,030 |
| Noninterest income to average assets | 0.0641% | 6,346 |
| Noninterest expense to average assets | 1.0536% | 6,516 |
| Loan and lease loss provision to assets | 0.1818% | 1,349 |
| Net operating income to assets | 1.3171% | 1,324 |
| Return on assets (ROA) | 1.3611% | 1,261 |
| Pretax return on assets | 1.4325% | 1,881 |
| Return on Equity (ROE) | 14.7086% | 876 |
| Retained earnings to average equity (ytd only) | 5.4984% | 2,752 |
| Net charge-offs to loans | 0.0918% | 2,900 |
| Credit loss provision to net charge-offs | 377.2152% | 742 |
| Earnings coverage of net charge-offs (x) | 32.5319% | 1,300 |
| Efficiency ratio | 40.1908% | 6,449 |
| Assets per employee ($millions) | 15.5473% | 75 |
| Cash dividends to net income (ytd only)* | 62.6177% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 4,845 |
| Loan loss allowance to noncurrent loans | 66.2461% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 0.8738% | 3,246 |
| Noncurrent loans to loans | 1.6288% | 2,002 |
| Net loans and leases to total assets | 53.0694% | 4,686 |
| Net loans and leases to deposits | 61.2968% | 4,815 |
| Net loans and leases to core deposits | 65.5525% | 4,750 |
| Total domestic deposits to total assets | 86.5778% | 2,541 |
| Equity capital to assets | 9.4008% | 4,918 |
| Core capital (leverage) ratio | 9.2750% | 4,672 |
| Tier 1 risk-based capital ratio | 15.9881% | 3,064 |
| Total risk-based capital ratio | 17.0027% | 3,122 |
| Memoranda: | ||
| Average total assets | $218,537,500 | 2,819 |
| Average earning assets | $208,621,750 | 2,738 |
| Average equity | $20,223,500 | 3,146 |
| Average total loans | $114,721,750 | 3,149 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4591% | 5,497 |
| Cost of funding earning assets | 0.7709% | 827 |
| Net interest margin | 2.6882% | 6,063 |
| Noninterest income to average assets | 0.0612% | 6,408 |
| Noninterest expense to average assets | 1.0492% | 6,586 |
| Loan and lease loss provision to assets | 0.2376% | 953 |
| Net operating income to assets | 1.2663% | 1,406 |
| Return on assets (ROA) | 1.3271% | 1,283 |
| Pretax return on assets | 1.3974% | 1,895 |
| Return on Equity (ROE) | 14.4162% | 886 |
| Retained earnings to average equity (ytd only) | 5.4508% | 2,670 |
| Net charge-offs to loans | -0.0018% | 5,052 |
| Credit loss provision to net charge-offs | -26,000.0000% | 5,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0419% | 6,519 |
| Assets per employee ($millions) | 15.4611% | 74 |
| Cash dividends to net income (ytd only)* | 62.1901% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 4,652 |
| Loan loss allowance to noncurrent loans | 66.1585% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 0.9092% | 3,270 |
| Noncurrent loans to loans | 1.7425% | 1,982 |
| Net loans and leases to total assets | 51.5745% | 4,788 |
| Net loans and leases to deposits | 57.1970% | 5,105 |
| Net loans and leases to core deposits | 60.9167% | 5,063 |
| Total domestic deposits to total assets | 90.1698% | 726 |
| Equity capital to assets | 9.5197% | 4,726 |
| Core capital (leverage) ratio | 9.2148% | 4,715 |
| Tier 1 risk-based capital ratio | 16.2574% | 2,951 |
| Total risk-based capital ratio | 17.3390% | 2,985 |
| Memoranda: | ||
| Average total assets | $218,829,330 | 2,825 |
| Average earning assets | $208,319,330 | 2,755 |
| Average equity | $20,144,000 | 3,157 |
| Average total loans | $114,038,330 | 3,174 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4644% | 5,516 |
| Cost of funding earning assets | 0.7802% | 833 |
| Net interest margin | 2.6842% | 6,125 |
| Noninterest income to average assets | 0.0636% | 6,448 |
| Noninterest expense to average assets | 1.0072% | 6,676 |
| Loan and lease loss provision to assets | 0.4054% | 416 |
| Net operating income to assets | 1.1608% | 1,593 |
| Return on assets (ROA) | 1.2817% | 1,312 |
| Pretax return on assets | 1.3490% | 1,920 |
| Return on Equity (ROE) | 14.1616% | 916 |
| Retained earnings to average equity (ytd only) | 5.1223% | 3,044 |
| Net charge-offs to loans | -0.0035% | 4,762 |
| Credit loss provision to net charge-offs | -22,300.0000% | 5,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2333% | 6,617 |
| Assets per employee ($millions) | 15.2666% | 74 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 5,055 |
| Loan loss allowance to noncurrent loans | 57.9212% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 1.0218% | 3,213 |
| Noncurrent loans to loans | 1.9235% | 1,961 |
| Net loans and leases to total assets | 52.5319% | 4,607 |
| Net loans and leases to deposits | 58.1396% | 4,922 |
| Net loans and leases to core deposits | 62.0681% | 4,874 |
| Total domestic deposits to total assets | 90.3548% | 888 |
| Equity capital to assets | 9.3617% | 4,682 |
| Core capital (leverage) ratio | 8.8977% | 5,145 |
| Tier 1 risk-based capital ratio | 15.9201% | 3,206 |
| Total risk-based capital ratio | 16.9650% | 3,284 |
| Memoranda: | ||
| Average total assets | $220,016,000 | 2,829 |
| Average earning assets | $210,715,500 | 2,744 |
| Average equity | $19,913,000 | 3,181 |
| Average total loans | $114,588,500 | 3,179 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4852% | 5,673 |
| Cost of funding earning assets | 0.8712% | 858 |
| Net interest margin | 2.6140% | 6,250 |
| Noninterest income to average assets | 0.0876% | 6,432 |
| Noninterest expense to average assets | 1.0629% | 6,742 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4466% | 922 |
| Return on assets (ROA) | 1.4466% | 966 |
| Pretax return on assets | 1.5228% | 1,375 |
| Return on Equity (ROE) | 15.4434% | 692 |
| Retained earnings to average equity (ytd only) | 5.8199% | 2,084 |
| Net charge-offs to loans | -0.0019% | 5,842 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1080% | 6,670 |
| Assets per employee ($millions) | 16.1642% | 64 |
| Cash dividends to net income (ytd only)* | 62.3147% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 5,927 |
| Loan loss allowance to noncurrent loans | 65.1032% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 0.7066% | 4,133 |
| Noncurrent loans to loans | 1.3828% | 2,824 |
| Net loans and leases to total assets | 50.6379% | 5,013 |
| Net loans and leases to deposits | 58.9810% | 5,037 |
| Net loans and leases to core deposits | 62.7563% | 4,993 |
| Total domestic deposits to total assets | 85.8546% | 3,335 |
| Equity capital to assets | 8.7570% | 5,302 |
| Core capital (leverage) ratio | 8.7180% | 5,399 |
| Tier 1 risk-based capital ratio | 15.2002% | 3,547 |
| Total risk-based capital ratio | 16.0321% | 3,739 |
| Memoranda: | ||
| Average total assets | $219,204,000 | 2,815 |
| Average earning assets | $209,487,200 | 2,727 |
| Average equity | $20,533,000 | 3,098 |
| Average total loans | $106,819,800 | 3,307 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5476% | 5,584 |
| Cost of funding earning assets | 0.8917% | 848 |
| Net interest margin | 2.6559% | 6,241 |
| Noninterest income to average assets | 0.0883% | 6,513 |
| Noninterest expense to average assets | 1.0572% | 6,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4913% | 918 |
| Return on assets (ROA) | 1.4913% | 962 |
| Pretax return on assets | 1.5698% | 1,416 |
| Return on Equity (ROE) | 15.6556% | 689 |
| Retained earnings to average equity (ytd only) | 6.1155% | 2,334 |
| Net charge-offs to loans | -0.0026% | 5,705 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2428% | 6,749 |
| Assets per employee ($millions) | 14.3997% | 90 |
| Cash dividends to net income (ytd only)* | 60.9374% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 5,648 |
| Loan loss allowance to noncurrent loans | 65.5129% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 0.7357% | 4,271 |
| Noncurrent loans to loans | 1.5507% | 2,840 |
| Net loans and leases to total assets | 46.9583% | 5,454 |
| Net loans and leases to deposits | 52.5547% | 5,669 |
| Net loans and leases to core deposits | 55.9263% | 5,629 |
| Total domestic deposits to total assets | 89.3512% | 1,385 |
| Equity capital to assets | 9.0451% | 5,135 |
| Core capital (leverage) ratio | 8.7106% | 5,524 |
| Tier 1 risk-based capital ratio | 16.6133% | 2,894 |
| Total risk-based capital ratio | 17.5344% | 3,009 |
| Memoranda: | ||
| Average total assets | $217,430,250 | 2,864 |
| Average earning assets | $207,833,250 | 2,765 |
| Average equity | $20,712,000 | 3,111 |
| Average total loans | $104,616,250 | 3,373 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5645% | 5,546 |
| Cost of funding earning assets | 0.9089% | 857 |
| Net interest margin | 2.6556% | 6,251 |
| Noninterest income to average assets | 0.0808% | 6,583 |
| Noninterest expense to average assets | 1.0748% | 6,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4658% | 956 |
| Return on assets (ROA) | 1.4658% | 1,030 |
| Pretax return on assets | 1.5429% | 1,503 |
| Return on Equity (ROE) | 15.1348% | 788 |
| Retained earnings to average equity (ytd only) | 5.7715% | 2,572 |
| Net charge-offs to loans | -0.0038% | 5,590 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0589% | 6,777 |
| Assets per employee ($millions) | 14.3909% | 89 |
| Cash dividends to net income (ytd only)* | 61.8660% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 5,784 |
| Loan loss allowance to noncurrent loans | 68.3519% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 0.7055% | 4,459 |
| Noncurrent loans to loans | 1.4751% | 3,094 |
| Net loans and leases to total assets | 47.3472% | 5,387 |
| Net loans and leases to deposits | 53.0874% | 5,601 |
| Net loans and leases to core deposits | 56.5969% | 5,554 |
| Total domestic deposits to total assets | 89.1871% | 1,514 |
| Equity capital to assets | 9.1299% | 5,066 |
| Core capital (leverage) ratio | 8.5932% | 5,565 |
| Tier 1 risk-based capital ratio | 16.2060% | 3,083 |
| Total risk-based capital ratio | 17.1212% | 3,222 |
| Memoranda: | ||
| Average total assets | $217,908,330 | 2,871 |
| Average earning assets | $208,166,670 | 2,767 |
| Average equity | $21,103,670 | 3,086 |
| Average total loans | $105,332,000 | 3,377 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5990% | 5,461 |
| Cost of funding earning assets | 0.9218% | 886 |
| Net interest margin | 2.6772% | 6,257 |
| Noninterest income to average assets | 0.0932% | 6,599 |
| Noninterest expense to average assets | 1.0725% | 6,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4909% | 876 |
| Return on assets (ROA) | 1.4909% | 951 |
| Pretax return on assets | 1.5676% | 1,386 |
| Return on Equity (ROE) | 14.9714% | 777 |
| Retained earnings to average equity (ytd only) | 5.9079% | 2,732 |
| Net charge-offs to loans | -0.0075% | 5,360 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6228% | 6,860 |
| Assets per employee ($millions) | 15.5123% | 82 |
| Cash dividends to net income (ytd only)* | 60.5392% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 5,988 |
| Loan loss allowance to noncurrent loans | 56.7612% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 0.8445% | 4,267 |
| Noncurrent loans to loans | 1.7608% | 2,921 |
| Net loans and leases to total assets | 47.4826% | 5,282 |
| Net loans and leases to deposits | 52.9622% | 5,525 |
| Net loans and leases to core deposits | 56.2263% | 5,504 |
| Total domestic deposits to total assets | 89.6538% | 1,261 |
| Equity capital to assets | 10.0358% | 4,104 |
| Core capital (leverage) ratio | 8.5386% | 5,531 |
| Tier 1 risk-based capital ratio | 15.8217% | 3,360 |
| Total risk-based capital ratio | 16.7293% | 3,502 |
| Memoranda: | ||
| Average total assets | $218,931,000 | 2,880 |
| Average earning assets | $208,279,500 | 2,799 |
| Average equity | $21,801,500 | 3,051 |
| Average total loans | $106,375,000 | 3,374 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9080% | 5,552 |
| Cost of funding earning assets | 1.1067% | 884 |
| Net interest margin | 2.8012% | 6,383 |
| Noninterest income to average assets | 0.0661% | 6,632 |
| Noninterest expense to average assets | 1.0560% | 7,000 |
| Loan and lease loss provision to assets | 0.0485% | 5,213 |
| Net operating income to assets | 1.5643% | 805 |
| Return on assets (ROA) | 1.5643% | 883 |
| Pretax return on assets | 1.6465% | 1,271 |
| Return on Equity (ROE) | 15.3710% | 748 |
| Retained earnings to average equity (ytd only) | 7.1622% | 1,495 |
| Net charge-offs to loans | 0.0209% | 5,610 |
| Credit loss provision to net charge-offs | 463.6364% | 522 |
| Earnings coverage of net charge-offs (x) | 162.0455% | 257 |
| Efficiency ratio | 38.3858% | 6,961 |
| Assets per employee ($millions) | 14.7127% | 97 |
| Cash dividends to net income (ytd only)* | 53.4043% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9568% | 6,106 |
| Loan loss allowance to noncurrent loans | 241.6279% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 6,074 |
| Noncurrent loans to loans | 0.3960% | 5,503 |
| Net loans and leases to total assets | 48.7340% | 5,339 |
| Net loans and leases to deposits | 55.3015% | 5,516 |
| Net loans and leases to core deposits | 58.9088% | 5,462 |
| Total domestic deposits to total assets | 88.1241% | 2,151 |
| Equity capital to assets | 9.8817% | 4,336 |
| Core capital (leverage) ratio | 8.4247% | 5,724 |
| Tier 1 risk-based capital ratio | 14.9883% | 3,727 |
| Total risk-based capital ratio | 15.8620% | 3,912 |
| Memoranda: | ||
| Average total assets | $210,323,600 | 2,920 |
| Average earning assets | $201,588,600 | 2,825 |
| Average equity | $21,404,000 | 3,053 |
| Average total loans | $105,070,000 | 3,394 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9527% | 5,651 |
| Cost of funding earning assets | 1.1546% | 848 |
| Net interest margin | 2.7981% | 6,503 |
| Noninterest income to average assets | 0.0597% | 6,769 |
| Noninterest expense to average assets | 0.9974% | 7,118 |
| Loan and lease loss provision to assets | 0.0655% | 4,881 |
| Net operating income to assets | 1.6020% | 839 |
| Return on assets (ROA) | 1.6020% | 939 |
| Pretax return on assets | 1.6861% | 1,303 |
| Return on Equity (ROE) | 15.6218% | 797 |
| Retained earnings to average equity (ytd only) | 8.0738% | 1,594 |
| Net charge-offs to loans | 0.0243% | 5,327 |
| Credit loss provision to net charge-offs | 536.8421% | 499 |
| Earnings coverage of net charge-offs (x) | 143.6471% | 311 |
| Efficiency ratio | 36.2830% | 7,071 |
| Assets per employee ($millions) | 14.0101% | 104 |
| Cash dividends to net income (ytd only)* | 48.3173% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 6,109 |
| Loan loss allowance to noncurrent loans | 184.4248% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.2855% | 5,987 |
| Noncurrent loans to loans | 0.5392% | 5,367 |
| Net loans and leases to total assets | 49.3686% | 5,389 |
| Net loans and leases to deposits | 55.7961% | 5,651 |
| Net loans and leases to core deposits | 59.4847% | 5,606 |
| Total domestic deposits to total assets | 88.4802% | 1,736 |
| Equity capital to assets | 10.4753% | 3,873 |
| Core capital (leverage) ratio | 8.6500% | 5,553 |
| Tier 1 risk-based capital ratio | 15.4572% | 3,567 |
| Total risk-based capital ratio | 16.3733% | 3,714 |
| Memoranda: | ||
| Average total assets | $207,732,000 | 2,988 |
| Average earning assets | $199,657,250 | 2,866 |
| Average equity | $21,303,000 | 3,091 |
| Average total loans | $104,190,000 | 3,454 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9859% | 5,687 |
| Cost of funding earning assets | 1.1937% | 843 |
| Net interest margin | 2.7923% | 6,594 |
| Noninterest income to average assets | 0.0628% | 6,815 |
| Noninterest expense to average assets | 0.9955% | 7,188 |
| Loan and lease loss provision to assets | 0.0870% | 4,499 |
| Net operating income to assets | 1.5832% | 862 |
| Return on assets (ROA) | 1.5832% | 968 |
| Pretax return on assets | 1.6663% | 1,353 |
| Return on Equity (ROE) | 15.5511% | 843 |
| Retained earnings to average equity (ytd only) | 10.8611% | 770 |
| Net charge-offs to loans | 0.0250% | 5,035 |
| Credit loss provision to net charge-offs | 692.3077% | 462 |
| Earnings coverage of net charge-offs (x) | 139.5385% | 321 |
| Efficiency ratio | 36.2166% | 7,120 |
| Assets per employee ($millions) | 13.8091% | 101 |
| Cash dividends to net income (ytd only)* | 30.1587% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 6,102 |
| Loan loss allowance to noncurrent loans | 444.6352% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 6,466 |
| Noncurrent loans to loans | 0.2277% | 6,122 |
| Net loans and leases to total assets | 48.9022% | 5,503 |
| Net loans and leases to deposits | 55.1086% | 5,755 |
| Net loans and leases to core deposits | 58.7903% | 5,712 |
| Total domestic deposits to total assets | 88.7378% | 1,681 |
| Equity capital to assets | 10.4559% | 3,739 |
| Core capital (leverage) ratio | 8.5711% | 5,559 |
| Tier 1 risk-based capital ratio | 15.6879% | 3,340 |
| Total risk-based capital ratio | 16.6200% | 3,486 |
| Memoranda: | ||
| Average total assets | $206,925,330 | 3,008 |
| Average earning assets | $199,050,330 | 2,883 |
| Average equity | $21,066,000 | 3,101 |
| Average total loans | $103,989,670 | 3,473 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 5,680 |
| Cost of funding earning assets | 1.2366% | 820 |
| Net interest margin | 2.7908% | 6,653 |
| Noninterest income to average assets | 0.0754% | 6,843 |
| Noninterest expense to average assets | 0.9632% | 7,260 |
| Loan and lease loss provision to assets | 0.0986% | 4,109 |
| Net operating income to assets | 1.6130% | 843 |
| Return on assets (ROA) | 1.6130% | 944 |
| Pretax return on assets | 1.6981% | 1,306 |
| Return on Equity (ROE) | 16.0616% | 802 |
| Retained earnings to average equity (ytd only) | 14.0202% | 563 |
| Net charge-offs to loans | 0.0458% | 4,063 |
| Credit loss provision to net charge-offs | 425.0000% | 749 |
| Earnings coverage of net charge-offs (x) | 77.4167% | 435 |
| Efficiency ratio | 34.8984% | 7,197 |
| Assets per employee ($millions) | 14.7833% | 95 |
| Cash dividends to net income (ytd only)* | 12.7098% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 6,383 |
| Loan loss allowance to noncurrent loans | 397.6096% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 6,543 |
| Noncurrent loans to loans | 0.2419% | 6,205 |
| Net loans and leases to total assets | 49.6487% | 5,359 |
| Net loans and leases to deposits | 55.7623% | 5,631 |
| Net loans and leases to core deposits | 59.2797% | 5,600 |
| Total domestic deposits to total assets | 89.0364% | 1,675 |
| Equity capital to assets | 10.1741% | 3,882 |
| Core capital (leverage) ratio | 8.4831% | 5,624 |
| Tier 1 risk-based capital ratio | 15.1300% | 3,671 |
| Total risk-based capital ratio | 16.0172% | 3,876 |
| Memoranda: | ||
| Average total assets | $206,820,000 | 3,030 |
| Average earning assets | $198,937,000 | 2,908 |
| Average equity | $20,770,000 | 3,137 |
| Average total loans | $104,819,500 | 3,485 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 6,281 |
| Cost of funding earning assets | 1.3738% | 1,151 |
| Net interest margin | 2.7251% | 6,903 |
| Noninterest income to average assets | 0.0606% | 6,795 |
| Noninterest expense to average assets | 1.1071% | 7,280 |
| Loan and lease loss provision to assets | 0.0791% | 5,626 |
| Net operating income to assets | 1.4169% | 990 |
| Return on assets (ROA) | 1.4169% | 1,068 |
| Pretax return on assets | 1.4904% | 1,503 |
| Return on Equity (ROE) | 14.8106% | 781 |
| Retained earnings to average equity (ytd only) | 10.0742% | 549 |
| Net charge-offs to loans | 0.0041% | 6,387 |
| Credit loss provision to net charge-offs | 3,850.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 763.7500% | 38 |
| Efficiency ratio | 41.3628% | 7,184 |
| Assets per employee ($millions) | 13.7783% | 107 |
| Cash dividends to net income (ytd only)* | 31.9797% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9057% | 6,523 |
| Loan loss allowance to noncurrent loans | 181.6288% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 6,330 |
| Noncurrent loans to loans | 0.4987% | 5,710 |
| Net loans and leases to total assets | 50.7688% | 5,491 |
| Net loans and leases to deposits | 58.4754% | 5,654 |
| Net loans and leases to core deposits | 62.3069% | 5,624 |
| Total domestic deposits to total assets | 86.8208% | 2,861 |
| Equity capital to assets | 9.9108% | 4,289 |
| Core capital (leverage) ratio | 8.1624% | 6,051 |
| Tier 1 risk-based capital ratio | 14.2253% | 4,162 |
| Total risk-based capital ratio | 15.0627% | 4,425 |
| Memoranda: | ||
| Average total assets | $194,648,200 | 3,119 |
| Average earning assets | $186,857,800 | 3,001 |
| Average equity | $18,621,800 | 3,339 |
| Average total loans | $98,654,000 | 3,657 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1069% | 6,399 |
| Cost of funding earning assets | 1.4088% | 1,200 |
| Net interest margin | 2.6981% | 6,992 |
| Noninterest income to average assets | 0.0605% | 6,917 |
| Noninterest expense to average assets | 1.1034% | 7,360 |
| Loan and lease loss provision to assets | 0.0800% | 5,440 |
| Net operating income to assets | 1.3949% | 1,167 |
| Return on assets (ROA) | 1.3949% | 1,244 |
| Pretax return on assets | 1.4687% | 1,739 |
| Return on Equity (ROE) | 14.7235% | 886 |
| Retained earnings to average equity (ytd only) | 9.5464% | 969 |
| Net charge-offs to loans | 0.0028% | 6,161 |
| Credit loss provision to net charge-offs | 5,750.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 1,111.5843% | 20 |
| Efficiency ratio | 41.6055% | 7,222 |
| Assets per employee ($millions) | 13.3487% | 122 |
| Cash dividends to net income (ytd only)* | 35.1622% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 6,501 |
| Loan loss allowance to noncurrent loans | 217.4528% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 6,533 |
| Noncurrent loans to loans | 0.4296% | 5,984 |
| Net loans and leases to total assets | 48.8358% | 5,853 |
| Net loans and leases to deposits | 55.5645% | 6,067 |
| Net loans and leases to core deposits | 59.0679% | 6,052 |
| Total domestic deposits to total assets | 87.8904% | 2,098 |
| Equity capital to assets | 9.9775% | 4,375 |
| Core capital (leverage) ratio | 8.1502% | 6,203 |
| Tier 1 risk-based capital ratio | 14.5419% | 3,945 |
| Total risk-based capital ratio | 15.3950% | 4,214 |
| Memoranda: | ||
| Average total assets | $191,641,750 | 3,178 |
| Average earning assets | $184,077,500 | 3,048 |
| Average equity | $18,156,500 | 3,409 |
| Average total loans | $96,846,250 | 3,730 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 6,429 |
| Cost of funding earning assets | 1.4317% | 1,269 |
| Net interest margin | 2.6943% | 7,036 |
| Noninterest income to average assets | 0.0614% | 6,999 |
| Noninterest expense to average assets | 1.2131% | 7,422 |
| Loan and lease loss provision to assets | 0.0805% | 5,303 |
| Net operating income to assets | 1.2840% | 1,359 |
| Return on assets (ROA) | 1.2840% | 1,426 |
| Pretax return on assets | 1.3518% | 1,951 |
| Return on Equity (ROE) | 13.8125% | 1,013 |
| Retained earnings to average equity (ytd only) | 9.7895% | 900 |
| Net charge-offs to loans | 0.0021% | 5,857 |
| Credit loss provision to net charge-offs | 7,600.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 1,352.0000% | 11 |
| Efficiency ratio | 45.8550% | 7,161 |
| Assets per employee ($millions) | 12.9452% | 129 |
| Cash dividends to net income (ytd only)* | 29.1254% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 6,517 |
| Loan loss allowance to noncurrent loans | 465.2632% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 6,852 |
| Noncurrent loans to loans | 0.2037% | 6,503 |
| Net loans and leases to total assets | 47.5718% | 6,099 |
| Net loans and leases to deposits | 53.2793% | 6,364 |
| Net loans and leases to core deposits | 56.4761% | 6,380 |
| Total domestic deposits to total assets | 89.2877% | 1,366 |
| Equity capital to assets | 9.4532% | 4,882 |
| Core capital (leverage) ratio | 8.1945% | 6,038 |
| Tier 1 risk-based capital ratio | 14.9021% | 3,546 |
| Total risk-based capital ratio | 15.7646% | 3,754 |
| Memoranda: | ||
| Average total assets | $188,779,000 | 3,243 |
| Average earning assets | $181,045,670 | 3,117 |
| Average equity | $17,549,330 | 3,487 |
| Average total loans | $96,226,330 | 3,791 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0742% | 6,555 |
| Cost of funding earning assets | 1.4402% | 1,432 |
| Net interest margin | 2.6340% | 7,094 |
| Noninterest income to average assets | 0.0537% | 7,120 |
| Noninterest expense to average assets | 1.2231% | 7,481 |
| Loan and lease loss provision to assets | 0.0817% | 4,986 |
| Net operating income to assets | 1.2145% | 1,488 |
| Return on assets (ROA) | 1.2145% | 1,542 |
| Pretax return on assets | 1.2769% | 2,111 |
| Return on Equity (ROE) | 13.1809% | 1,152 |
| Retained earnings to average equity (ytd only) | 13.1809% | 562 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3772% | 7,138 |
| Assets per employee ($millions) | 12.4935% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 6,779 |
| Loan loss allowance to noncurrent loans | 627.4074% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 6,979 |
| Noncurrent loans to loans | 0.1386% | 6,695 |
| Net loans and leases to total assets | 51.5205% | 5,645 |
| Net loans and leases to deposits | 57.4534% | 5,982 |
| Net loans and leases to core deposits | 61.0611% | 6,008 |
| Total domestic deposits to total assets | 89.6736% | 1,375 |
| Equity capital to assets | 9.1850% | 4,894 |
| Core capital (leverage) ratio | 8.3237% | 5,765 |
| Tier 1 risk-based capital ratio | 14.2139% | 3,929 |
| Total risk-based capital ratio | 15.0175% | 4,210 |
| Memoranda: | ||
| Average total assets | $186,079,500 | 3,295 |
| Average earning assets | $178,588,000 | 3,174 |
| Average equity | $17,146,000 | 3,543 |
| Average total loans | $97,710,500 | 3,785 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 6,507 |
| Cost of funding earning assets | 1.6091% | 2,018 |
| Net interest margin | 2.8473% | 6,975 |
| Noninterest income to average assets | 0.0627% | 7,053 |
| Noninterest expense to average assets | 1.2577% | 7,535 |
| Loan and lease loss provision to assets | 0.0871% | 6,282 |
| Net operating income to assets | 1.3872% | 978 |
| Return on assets (ROA) | 1.3872% | 1,046 |
| Pretax return on assets | 1.4499% | 1,509 |
| Return on Equity (ROE) | 14.0829% | 865 |
| Retained earnings to average equity (ytd only) | 6.5964% | 1,508 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0031% | 7,386 |
| Assets per employee ($millions) | 12.3171% | 143 |
| Cash dividends to net income (ytd only)* | 53.1603% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8253% | 6,919 |
| Loan loss allowance to noncurrent loans | 227.2472% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 6,742 |
| Noncurrent loans to loans | 0.3632% | 6,335 |
| Net loans and leases to total assets | 52.6175% | 5,836 |
| Net loans and leases to deposits | 59.3300% | 6,122 |
| Net loans and leases to core deposits | 62.9433% | 6,159 |
| Total domestic deposits to total assets | 88.6862% | 1,835 |
| Equity capital to assets | 9.2441% | 4,766 |
| Core capital (leverage) ratio | 8.0708% | 6,075 |
| Tier 1 risk-based capital ratio | 13.7527% | 4,016 |
| Total risk-based capital ratio | 14.5245% | 4,351 |
| Memoranda: | ||
| Average total assets | $172,221,800 | 3,494 |
| Average earning assets | $165,247,000 | 3,359 |
| Average equity | $16,963,800 | 3,595 |
| Average total loans | $91,685,200 | 4,013 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 6,512 |
| Cost of funding earning assets | 1.6185% | 2,287 |
| Net interest margin | 2.9168% | 6,981 |
| Noninterest income to average assets | 0.0615% | 7,220 |
| Noninterest expense to average assets | 1.2506% | 7,648 |
| Loan and lease loss provision to assets | 0.0899% | 6,143 |
| Net operating income to assets | 1.4603% | 1,000 |
| Return on assets (ROA) | 1.4603% | 1,076 |
| Pretax return on assets | 1.5219% | 1,557 |
| Return on Equity (ROE) | 14.5809% | 924 |
| Retained earnings to average equity (ytd only) | 9.8570% | 825 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6915% | 7,472 |
| Assets per employee ($millions) | 11.7721% | 175 |
| Cash dividends to net income (ytd only)* | 32.3974% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 6,930 |
| Loan loss allowance to noncurrent loans | 253.4426% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 6,927 |
| Noncurrent loans to loans | 0.3294% | 6,532 |
| Net loans and leases to total assets | 51.9917% | 6,105 |
| Net loans and leases to deposits | 59.0098% | 6,381 |
| Net loans and leases to core deposits | 62.2170% | 6,444 |
| Total domestic deposits to total assets | 88.1069% | 1,898 |
| Equity capital to assets | 10.3448% | 3,707 |
| Core capital (leverage) ratio | 8.8460% | 4,929 |
| Tier 1 risk-based capital ratio | 14.6933% | 3,395 |
| Total risk-based capital ratio | 15.4739% | 3,648 |
| Memoranda: | ||
| Average total assets | $169,088,250 | 3,604 |
| Average earning assets | $162,367,500 | 3,457 |
| Average equity | $16,935,000 | 3,648 |
| Average total loans | $90,100,750 | 4,111 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 6,449 |
| Cost of funding earning assets | 1.6352% | 2,453 |
| Net interest margin | 2.9692% | 6,901 |
| Noninterest income to average assets | 0.0672% | 7,245 |
| Noninterest expense to average assets | 1.2762% | 7,714 |
| Loan and lease loss provision to assets | 0.0936% | 5,975 |
| Net operating income to assets | 1.4875% | 932 |
| Return on assets (ROA) | 1.4875% | 994 |
| Pretax return on assets | 1.5487% | 1,440 |
| Return on Equity (ROE) | 15.0264% | 856 |
| Retained earnings to average equity (ytd only) | 11.6063% | 549 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7269% | 7,531 |
| Assets per employee ($millions) | 11.1267% | 196 |
| Cash dividends to net income (ytd only)* | 22.7603% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8178% | 6,995 |
| Loan loss allowance to noncurrent loans | 272.9630% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 6,982 |
| Noncurrent loans to loans | 0.2996% | 6,629 |
| Net loans and leases to total assets | 53.5572% | 6,040 |
| Net loans and leases to deposits | 60.5669% | 6,362 |
| Net loans and leases to core deposits | 63.6129% | 6,436 |
| Total domestic deposits to total assets | 88.4266% | 1,770 |
| Equity capital to assets | 10.5482% | 3,346 |
| Core capital (leverage) ratio | 8.7792% | 4,955 |
| Tier 1 risk-based capital ratio | 15.0027% | 3,149 |
| Total risk-based capital ratio | 15.7784% | 3,392 |
| Memoranda: | ||
| Average total assets | $166,590,330 | 3,663 |
| Average earning assets | $159,975,670 | 3,513 |
| Average equity | $16,491,000 | 3,723 |
| Average total loans | $89,274,000 | 4,167 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 6,447 |
| Cost of funding earning assets | 1.6436% | 2,686 |
| Net interest margin | 2.9940% | 6,841 |
| Noninterest income to average assets | 0.0745% | 7,333 |
| Noninterest expense to average assets | 1.2930% | 7,808 |
| Loan and lease loss provision to assets | 0.0985% | 5,652 |
| Net operating income to assets | 1.4973% | 898 |
| Return on assets (ROA) | 1.4973% | 972 |
| Pretax return on assets | 1.5550% | 1,379 |
| Return on Equity (ROE) | 15.6395% | 775 |
| Retained earnings to average equity (ytd only) | 15.6395% | 366 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8825% | 7,625 |
| Assets per employee ($millions) | 11.0871% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 7,173 |
| Loan loss allowance to noncurrent loans | 202.8986% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 6,941 |
| Noncurrent loans to loans | 0.3847% | 6,510 |
| Net loans and leases to total assets | 53.5011% | 6,088 |
| Net loans and leases to deposits | 60.3948% | 6,428 |
| Net loans and leases to core deposits | 63.1990% | 6,510 |
| Total domestic deposits to total assets | 88.5856% | 1,740 |
| Equity capital to assets | 9.7609% | 4,161 |
| Core capital (leverage) ratio | 8.4743% | 5,415 |
| Tier 1 risk-based capital ratio | 14.6962% | 3,258 |
| Total risk-based capital ratio | 15.4352% | 3,518 |
| Memoranda: | ||
| Average total assets | $166,435,500 | 3,724 |
| Average earning assets | $159,653,500 | 3,571 |
| Average equity | $15,934,000 | 3,840 |
| Average total loans | $88,849,000 | 4,230 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 7,276 |
| Cost of funding earning assets | 1.9690% | 3,107 |
| Net interest margin | 2.6387% | 7,296 |
| Noninterest income to average assets | 0.0765% | 7,367 |
| Noninterest expense to average assets | 1.3190% | 7,862 |
| Loan and lease loss provision to assets | 0.1045% | 6,588 |
| Net operating income to assets | 1.1236% | 1,453 |
| Return on assets (ROA) | 1.1236% | 1,490 |
| Pretax return on assets | 1.1877% | 1,988 |
| Return on Equity (ROE) | 11.4913% | 1,295 |
| Retained earnings to average equity (ytd only) | 4.0850% | 2,360 |
| Net charge-offs to loans | 0.0223% | 6,922 |
| Credit loss provision to net charge-offs | 933.3333% | 315 |
| Earnings coverage of net charge-offs (x) | 115.3889% | 247 |
| Efficiency ratio | 50.5123% | 7,509 |
| Assets per employee ($millions) | 11.8974% | 173 |
| Cash dividends to net income (ytd only)* | 64.4518% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7487% | 7,270 |
| Loan loss allowance to noncurrent loans | 154.6948% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 6,810 |
| Noncurrent loans to loans | 0.4840% | 6,288 |
| Net loans and leases to total assets | 52.4501% | 6,371 |
| Net loans and leases to deposits | 58.5806% | 6,740 |
| Net loans and leases to core deposits | 70.8925% | 6,715 |
| Total domestic deposits to total assets | 89.5350% | 1,192 |
| Equity capital to assets | 9.3868% | 4,581 |
| Core capital (leverage) ratio | 8.1629% | 5,878 |
| Tier 1 risk-based capital ratio | 14.3259% | 3,303 |
| Total risk-based capital ratio | 15.0358% | 3,572 |
| Memoranda: | ||
| Average total assets | $160,726,600 | 3,756 |
| Average earning assets | $154,392,000 | 3,629 |
| Average equity | $15,716,200 | 3,918 |
| Average total loans | $80,877,000 | 4,474 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 7,371 |
| Cost of funding earning assets | 2.0238% | 3,242 |
| Net interest margin | 2.6099% | 7,342 |
| Noninterest income to average assets | 0.0795% | 7,505 |
| Noninterest expense to average assets | 1.3076% | 7,959 |
| Loan and lease loss provision to assets | 0.0954% | 6,412 |
| Net operating income to assets | 1.1209% | 1,670 |
| Return on assets (ROA) | 1.1209% | 1,736 |
| Pretax return on assets | 1.1854% | 2,312 |
| Return on Equity (ROE) | 11.3449% | 1,529 |
| Retained earnings to average equity (ytd only) | 6.5663% | 1,679 |
| Net charge-offs to loans | 0.0236% | 6,555 |
| Credit loss provision to net charge-offs | 814.2857% | 471 |
| Earnings coverage of net charge-offs (x) | 109.2635% | 333 |
| Efficiency ratio | 50.5175% | 7,518 |
| Assets per employee ($millions) | 10.8518% | 221 |
| Cash dividends to net income (ytd only)* | 42.1209% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 7,278 |
| Loan loss allowance to noncurrent loans | 210.0000% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 7,042 |
| Noncurrent loans to loans | 0.3544% | 6,644 |
| Net loans and leases to total assets | 49.8977% | 6,788 |
| Net loans and leases to deposits | 55.7078% | 7,114 |
| Net loans and leases to core deposits | 67.1650% | 7,107 |
| Total domestic deposits to total assets | 89.5704% | 935 |
| Equity capital to assets | 9.8171% | 4,328 |
| Core capital (leverage) ratio | 8.3458% | 5,758 |
| Tier 1 risk-based capital ratio | 15.3682% | 2,881 |
| Total risk-based capital ratio | 16.0650% | 3,069 |
| Memoranda: | ||
| Average total assets | $159,267,250 | 3,810 |
| Average earning assets | $153,104,000 | 3,666 |
| Average equity | $15,736,500 | 3,962 |
| Average total loans | $79,090,750 | 4,580 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6302% | 7,487 |
| Cost of funding earning assets | 2.0622% | 3,464 |
| Net interest margin | 2.5679% | 7,394 |
| Noninterest income to average assets | 0.0886% | 7,533 |
| Noninterest expense to average assets | 1.3081% | 8,055 |
| Loan and lease loss provision to assets | 0.0620% | 6,593 |
| Net operating income to assets | 1.1208% | 1,698 |
| Return on assets (ROA) | 1.1208% | 1,780 |
| Pretax return on assets | 1.1853% | 2,342 |
| Return on Equity (ROE) | 11.3188% | 1,606 |
| Retained earnings to average equity (ytd only) | 8.6105% | 1,035 |
| Net charge-offs to loans | -0.0026% | 7,489 |
| Credit loss provision to net charge-offs | -4,900.0000% | 7,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1881% | 7,575 |
| Assets per employee ($millions) | 10.8240% | 211 |
| Cash dividends to net income (ytd only)* | 23.9278% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6952% | 7,437 |
| Loan loss allowance to noncurrent loans | 118.6837% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 6,745 |
| Noncurrent loans to loans | 0.5857% | 6,085 |
| Net loans and leases to total assets | 49.1827% | 6,943 |
| Net loans and leases to deposits | 54.7692% | 7,229 |
| Net loans and leases to core deposits | 65.4447% | 7,236 |
| Total domestic deposits to total assets | 89.7998% | 912 |
| Equity capital to assets | 9.4740% | 4,645 |
| Core capital (leverage) ratio | 8.3797% | 5,657 |
| Tier 1 risk-based capital ratio | 15.4078% | 2,857 |
| Total risk-based capital ratio | 16.0539% | 3,034 |
| Memoranda: | ||
| Average total assets | $158,097,330 | 3,863 |
| Average earning assets | $151,873,330 | 3,711 |
| Average equity | $15,655,330 | 3,990 |
| Average total loans | $78,177,330 | 4,648 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6885% | 7,521 |
| Cost of funding earning assets | 2.0966% | 3,669 |
| Net interest margin | 2.5920% | 7,377 |
| Noninterest income to average assets | 0.0975% | 7,560 |
| Noninterest expense to average assets | 1.2746% | 8,089 |
| Loan and lease loss provision to assets | 0.0077% | 6,711 |
| Net operating income to assets | 1.2336% | 1,547 |
| Return on assets (ROA) | 1.2336% | 1,660 |
| Pretax return on assets | 1.2977% | 2,295 |
| Return on Equity (ROE) | 12.1834% | 1,607 |
| Retained earnings to average equity (ytd only) | 12.1834% | 760 |
| Net charge-offs to loans | 0.0156% | 5,362 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 169.6667% | 254 |
| Efficiency ratio | 49.4036% | 7,632 |
| Assets per employee ($millions) | 10.5151% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6494% | 7,569 |
| Loan loss allowance to noncurrent loans | 227.2321% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 7,151 |
| Noncurrent loans to loans | 0.2858% | 6,720 |
| Net loans and leases to total assets | 49.3714% | 6,913 |
| Net loans and leases to deposits | 55.1693% | 7,212 |
| Net loans and leases to core deposits | 64.1656% | 7,310 |
| Total domestic deposits to total assets | 89.4907% | 1,016 |
| Equity capital to assets | 9.8899% | 4,129 |
| Core capital (leverage) ratio | 8.7501% | 5,062 |
| Tier 1 risk-based capital ratio | 15.5765% | 2,822 |
| Total risk-based capital ratio | 16.1800% | 3,034 |
| Memoranda: | ||
| Average total assets | $155,966,000 | 3,903 |
| Average earning assets | $149,385,500 | 3,763 |
| Average equity | $15,792,000 | 3,986 |
| Average total loans | $77,060,000 | 4,727 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 7,712 |
| Cost of funding earning assets | 2.7352% | 2,996 |
| Net interest margin | 2.4270% | 7,825 |
| Noninterest income to average assets | 0.0891% | 7,693 |
| Noninterest expense to average assets | 1.2480% | 8,144 |
| Loan and lease loss provision to assets | 0.0675% | 6,548 |
| Net operating income to assets | 1.0322% | 2,423 |
| Return on assets (ROA) | 1.0233% | 2,343 |
| Pretax return on assets | 1.0813% | 3,090 |
| Return on Equity (ROE) | 10.8219% | 1,961 |
| Retained earnings to average equity (ytd only) | 0.0143% | 5,231 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8654% | 7,502 |
| Assets per employee ($millions) | 10.2803% | 236 |
| Cash dividends to net income (ytd only)* | 99.8681% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6720% | 7,497 |
| Loan loss allowance to noncurrent loans | 292.5287% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 7,127 |
| Noncurrent loans to loans | 0.2297% | 6,697 |
| Net loans and leases to total assets | 48.7857% | 7,125 |
| Net loans and leases to deposits | 55.0386% | 7,379 |
| Net loans and leases to core deposits | 63.9140% | 7,448 |
| Total domestic deposits to total assets | 88.6391% | 1,188 |
| Equity capital to assets | 10.3661% | 3,648 |
| Core capital (leverage) ratio | 8.5697% | 5,446 |
| Tier 1 risk-based capital ratio | 15.5611% | 2,824 |
| Total risk-based capital ratio | 16.1869% | 2,990 |
| Memoranda: | ||
| Average total assets | $148,152,800 | 3,935 |
| Average earning assets | $141,453,000 | 3,818 |
| Average equity | $14,008,600 | 4,338 |
| Average total loans | $76,378,400 | 4,639 |