Home > The Hometown Bank of Alabama > Performance and Condition Ratios
The Hometown Bank of Alabama, 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 | 5.1117% | 1,833 |
| Cost of funding earning assets | 1.9764% | 947 |
| Net interest margin | 3.1353% | 3,016 |
| Noninterest income to average assets | 1.5500% | 376 |
| Noninterest expense to average assets | 2.7890% | 1,536 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.3084% | 1,421 |
| Return on assets (ROA) | 1.2998% | 1,407 |
| Pretax return on assets | 1.6228% | 1,194 |
| Return on Equity (ROE) | 15.9800% | 1,098 |
| Retained earnings to average equity (ytd only) | 5.9608% | 2,260 |
| Net charge-offs to loans | 0.0456% | 1,429 |
| Credit loss provision to net charge-offs | 170.3448% | 1,351 |
| Earnings coverage of net charge-offs (x) | 65.8000% | 1,134 |
| Efficiency ratio | 62.4503% | 2,788 |
| Assets per employee ($millions) | 10.5007% | 617 |
| Cash dividends to net income (ytd only)* | 62.7045% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 3,484 |
| Loan loss allowance to noncurrent loans | 87.6294% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 764 |
| Noncurrent loans to loans | 1.0970% | 669 |
| Net loans and leases to total assets | 56.8200% | 3,138 |
| Net loans and leases to deposits | 67.3546% | 3,081 |
| Net loans and leases to core deposits | 76.3344% | 2,954 |
| Total domestic deposits to total assets | 84.3600% | 2,514 |
| Equity capital to assets | 8.6824% | 2,911 |
| Core capital (leverage) ratio | 11.3881% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4544% | 652 |
| Memoranda: | ||
| Average total assets | $568,943,800 | 1,555 |
| Average earning assets | $528,939,000 | 1,553 |
| Average equity | $46,268,600 | 1,701 |
| Average total loans | $318,182,200 | 1,729 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0288% | 1,775 |
| Cost of funding earning assets | 1.8665% | 906 |
| Net interest margin | 3.1624% | 2,997 |
| Noninterest income to average assets | 1.5700% | 375 |
| Noninterest expense to average assets | 2.8459% | 1,329 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.2506% | 1,647 |
| Return on assets (ROA) | 1.2392% | 1,674 |
| Pretax return on assets | 1.5948% | 1,369 |
| Return on Equity (ROE) | 15.5200% | 1,341 |
| Retained earnings to average equity (ytd only) | 1.7304% | 3,787 |
| Net charge-offs to loans | 0.0436% | 1,265 |
| Credit loss provision to net charge-offs | 189.2157% | 1,158 |
| Earnings coverage of net charge-offs (x) | 68.3431% | 1,127 |
| Efficiency ratio | 63.2273% | 2,591 |
| Assets per employee ($millions) | 10.4663% | 577 |
| Cash dividends to net income (ytd only)* | 88.8484% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 3,416 |
| Loan loss allowance to noncurrent loans | 123.6842% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 1,113 |
| Noncurrent loans to loans | 0.8007% | 1,041 |
| Net loans and leases to total assets | 56.1200% | 3,192 |
| Net loans and leases to deposits | 65.2879% | 3,191 |
| Net loans and leases to core deposits | 74.1355% | 2,989 |
| Total domestic deposits to total assets | 85.9500% | 2,211 |
| Equity capital to assets | 6.9633% | 3,627 |
| Core capital (leverage) ratio | 11.2768% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2098% | 676 |
| Memoranda: | ||
| Average total assets | $561,544,250 | 1,577 |
| Average earning assets | $521,328,250 | 1,570 |
| Average equity | $44,843,750 | 1,724 |
| Average total loans | $311,879,500 | 1,754 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 1,783 |
| Cost of funding earning assets | 1.6791% | 914 |
| Net interest margin | 3.2113% | 2,959 |
| Noninterest income to average assets | 1.6100% | 302 |
| Noninterest expense to average assets | 2.8784% | 1,261 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.3519% | 1,448 |
| Return on assets (ROA) | 1.3340% | 1,468 |
| Pretax return on assets | 1.6554% | 1,309 |
| Return on Equity (ROE) | 15.9800% | 1,269 |
| Retained earnings to average equity (ytd only) | -4.0964% | 4,393 |
| Net charge-offs to loans | 0.0288% | 1,311 |
| Credit loss provision to net charge-offs | 211.3636% | 1,027 |
| Earnings coverage of net charge-offs (x) | 107.5909% | 896 |
| Efficiency ratio | 62.7185% | 2,623 |
| Assets per employee ($millions) | 9.9422% | 683 |
| Cash dividends to net income (ytd only)* | 125.6299% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 3,354 |
| Loan loss allowance to noncurrent loans | 119.9483% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5458% | 996 |
| Noncurrent loans to loans | 0.8477% | 902 |
| Net loans and leases to total assets | 55.7800% | 3,138 |
| Net loans and leases to deposits | 63.3504% | 3,233 |
| Net loans and leases to core deposits | 71.3443% | 3,047 |
| Total domestic deposits to total assets | 88.0400% | 1,583 |
| Equity capital to assets | 8.0852% | 3,158 |
| Core capital (leverage) ratio | 12.3695% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7143% | 660 |
| Memoranda: | ||
| Average total assets | $553,354,667 | 1,598 |
| Average earning assets | $513,369,667 | 1,588 |
| Average equity | $46,187,333 | 1,693 |
| Average total loans | $305,109,667 | 1,755 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 1,792 |
| Cost of funding earning assets | 1.3570% | 1,119 |
| Net interest margin | 3.3652% | 2,722 |
| Noninterest income to average assets | 1.4400% | 343 |
| Noninterest expense to average assets | 2.7833% | 1,471 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.3814% | 1,462 |
| Return on assets (ROA) | 1.3814% | 1,433 |
| Pretax return on assets | 1.7012% | 1,270 |
| Return on Equity (ROE) | 16.2900% | 1,299 |
| Retained earnings to average equity (ytd only) | -23.7128% | 4,616 |
| Net charge-offs to loans | -0.0174% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.1379% | 2,805 |
| Assets per employee ($millions) | 9.7106% | 757 |
| Cash dividends to net income (ytd only)* | 245.6038% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 3,103 |
| Loan loss allowance to noncurrent loans | 120.2693% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 911 |
| Noncurrent loans to loans | 0.9067% | 834 |
| Net loans and leases to total assets | 54.1600% | 3,190 |
| Net loans and leases to deposits | 61.6964% | 3,244 |
| Net loans and leases to core deposits | 67.9186% | 3,106 |
| Total domestic deposits to total assets | 87.7900% | 1,990 |
| Equity capital to assets | 8.2856% | 3,049 |
| Core capital (leverage) ratio | 12.6059% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0152% | 656 |
| Memoranda: | ||
| Average total assets | $546,680,000 | 1,637 |
| Average earning assets | $506,118,000 | 1,634 |
| Average equity | $46,371,500 | 1,702 |
| Average total loans | $298,000,500 | 1,799 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 1,092 |
| Cost of funding earning assets | 0.4649% | 1,620 |
| Net interest margin | 3.8140% | 1,136 |
| Noninterest income to average assets | 1.3800% | 378 |
| Noninterest expense to average assets | 2.6688% | 1,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7873% | 456 |
| Return on assets (ROA) | 1.6939% | 515 |
| Pretax return on assets | 2.1522% | 347 |
| Return on Equity (ROE) | 18.5100% | 633 |
| Retained earnings to average equity (ytd only) | 12.3103% | 614 |
| Net charge-offs to loans | 0.0688% | 958 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 63.8063% | 1,207 |
| Efficiency ratio | 54.0339% | 3,794 |
| Assets per employee ($millions) | 9.9973% | 675 |
| Cash dividends to net income (ytd only)* | 33.4763% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,148 |
| Loan loss allowance to noncurrent loans | 142.5572% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 1,081 |
| Noncurrent loans to loans | 0.7316% | 1,026 |
| Net loans and leases to total assets | 53.6900% | 3,231 |
| Net loans and leases to deposits | 62.1162% | 3,187 |
| Net loans and leases to core deposits | 67.9052% | 3,014 |
| Total domestic deposits to total assets | 86.4400% | 2,592 |
| Equity capital to assets | 8.6842% | 2,573 |
| Core capital (leverage) ratio | 12.9975% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4936% | 515 |
| Memoranda: | ||
| Average total assets | $536,793,600 | 1,643 |
| Average earning assets | $500,551,800 | 1,625 |
| Average equity | $49,137,600 | 1,645 |
| Average total loans | $277,629,400 | 1,826 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 1,065 |
| Cost of funding earning assets | 0.3865% | 1,388 |
| Net interest margin | 3.7150% | 1,100 |
| Noninterest income to average assets | 1.3600% | 400 |
| Noninterest expense to average assets | 2.6426% | 1,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7191% | 506 |
| Return on assets (ROA) | 1.7009% | 520 |
| Pretax return on assets | 2.1705% | 338 |
| Return on Equity (ROE) | 18.3400% | 603 |
| Retained earnings to average equity (ytd only) | 10.1778% | 1,294 |
| Net charge-offs to loans | 0.0862% | 698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 49.8249% | 1,287 |
| Efficiency ratio | 54.6418% | 3,764 |
| Assets per employee ($millions) | 9.4800% | 769 |
| Cash dividends to net income (ytd only)* | 44.5159% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 3,081 |
| Loan loss allowance to noncurrent loans | 240.7843% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 1,790 |
| Noncurrent loans to loans | 0.4511% | 1,682 |
| Net loans and leases to total assets | 51.7400% | 3,306 |
| Net loans and leases to deposits | 56.7779% | 3,418 |
| Net loans and leases to core deposits | 62.2245% | 3,232 |
| Total domestic deposits to total assets | 91.1300% | 1,185 |
| Equity capital to assets | 7.6690% | 3,110 |
| Core capital (leverage) ratio | 12.6623% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0701% | 560 |
| Memoranda: | ||
| Average total assets | $536,028,000 | 1,656 |
| Average earning assets | $501,241,000 | 1,638 |
| Average equity | $49,701,500 | 1,655 |
| Average total loans | $273,807,500 | 1,840 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 1,140 |
| Cost of funding earning assets | 0.3389% | 1,375 |
| Net interest margin | 3.5443% | 1,195 |
| Noninterest income to average assets | 1.3330% | 395 |
| Noninterest expense to average assets | 2.6028% | 1,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5943% | 553 |
| Return on assets (ROA) | 1.5668% | 577 |
| Pretax return on assets | 2.0132% | 367 |
| Return on Equity (ROE) | 15.9679% | 708 |
| Retained earnings to average equity (ytd only) | 4.3618% | 2,943 |
| Net charge-offs to loans | 0.0724% | 729 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 55.8571% | 1,110 |
| Efficiency ratio | 55.9649% | 3,775 |
| Assets per employee ($millions) | 9.9125% | 681 |
| Cash dividends to net income (ytd only)* | 72.6839% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 2,922 |
| Loan loss allowance to noncurrent loans | 404.1078% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 2,388 |
| Noncurrent loans to loans | 0.2849% | 2,322 |
| Net loans and leases to total assets | 50.4929% | 3,325 |
| Net loans and leases to deposits | 55.2665% | 3,440 |
| Net loans and leases to core deposits | 60.5881% | 3,228 |
| Total domestic deposits to total assets | 91.3626% | 1,080 |
| Equity capital to assets | 8.4362% | 2,813 |
| Core capital (leverage) ratio | 12.6268% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8774% | 548 |
| Memoranda: | ||
| Average total assets | $534,584,667 | 1,671 |
| Average earning assets | $500,410,333 | 1,659 |
| Average equity | $52,455,333 | 1,619 |
| Average total loans | $270,854,333 | 1,847 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6861% | 1,301 |
| Cost of funding earning assets | 0.3371% | 1,311 |
| Net interest margin | 3.3490% | 1,445 |
| Noninterest income to average assets | 1.3223% | 416 |
| Noninterest expense to average assets | 2.5120% | 1,857 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5150% | 607 |
| Return on assets (ROA) | 1.4540% | 700 |
| Pretax return on assets | 1.8793% | 462 |
| Return on Equity (ROE) | 13.8456% | 863 |
| Retained earnings to average equity (ytd only) | -7.8568% | 4,522 |
| Net charge-offs to loans | 0.0668% | 663 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 58.0667% | 864 |
| Efficiency ratio | 56.2165% | 3,858 |
| Assets per employee ($millions) | 9.6430% | 744 |
| Cash dividends to net income (ytd only)* | 156.7456% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,893 |
| Loan loss allowance to noncurrent loans | 326.4016% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 2,327 |
| Noncurrent loans to loans | 0.3656% | 2,175 |
| Net loans and leases to total assets | 49.0900% | 3,268 |
| Net loans and leases to deposits | 54.4695% | 3,381 |
| Net loans and leases to core deposits | 59.6472% | 3,179 |
| Total domestic deposits to total assets | 90.1238% | 1,492 |
| Equity capital to assets | 9.6269% | 2,191 |
| Core capital (leverage) ratio | 12.1528% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9164% | 570 |
| Memoranda: | ||
| Average total assets | $534,238,500 | 1,675 |
| Average earning assets | $501,883,500 | 1,665 |
| Average equity | $56,104,500 | 1,570 |
| Average total loans | $269,569,000 | 1,841 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9588% | 1,459 |
| Cost of funding earning assets | 0.5694% | 634 |
| Net interest margin | 3.3894% | 2,068 |
| Noninterest income to average assets | 1.3288% | 610 |
| Noninterest expense to average assets | 2.6874% | 1,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3966% | 1,288 |
| Return on assets (ROA) | 1.5115% | 1,026 |
| Pretax return on assets | 1.9633% | 648 |
| Return on Equity (ROE) | 12.4678% | 1,664 |
| Retained earnings to average equity (ytd only) | -1.7473% | 4,613 |
| Net charge-offs to loans | 0.0569% | 1,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 58.9304% | 1,190 |
| Efficiency ratio | 59.6507% | 3,206 |
| Assets per employee ($millions) | 9.1116% | 885 |
| Cash dividends to net income (ytd only)* | 114.0145% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 2,892 |
| Loan loss allowance to noncurrent loans | 397.4296% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 2,373 |
| Noncurrent loans to loans | 0.3016% | 2,515 |
| Net loans and leases to total assets | 50.6366% | 3,202 |
| Net loans and leases to deposits | 57.2449% | 3,316 |
| Net loans and leases to core deposits | 62.9545% | 3,079 |
| Total domestic deposits to total assets | 88.4561% | 1,810 |
| Equity capital to assets | 11.3957% | 1,557 |
| Core capital (leverage) ratio | 12.2862% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1848% | 482 |
| Memoranda: | ||
| Average total assets | $512,199,200 | 1,672 |
| Average earning assets | $480,019,600 | 1,661 |
| Average equity | $62,096,200 | 1,475 |
| Average total loans | $277,583,800 | 1,801 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 1,514 |
| Cost of funding earning assets | 0.6409% | 513 |
| Net interest margin | 3.3688% | 2,242 |
| Noninterest income to average assets | 1.2904% | 705 |
| Noninterest expense to average assets | 2.6391% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3879% | 1,581 |
| Return on assets (ROA) | 1.5423% | 1,212 |
| Pretax return on assets | 2.0026% | 798 |
| Return on Equity (ROE) | 12.5265% | 1,853 |
| Retained earnings to average equity (ytd only) | 6.5019% | 2,618 |
| Net charge-offs to loans | 0.0482% | 1,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 68.1881% | 1,077 |
| Efficiency ratio | 59.3567% | 3,084 |
| Assets per employee ($millions) | 9.5553% | 747 |
| Cash dividends to net income (ytd only)* | 48.0946% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 2,997 |
| Loan loss allowance to noncurrent loans | 270.2946% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 2,128 |
| Noncurrent loans to loans | 0.4432% | 2,231 |
| Net loans and leases to total assets | 51.8326% | 3,204 |
| Net loans and leases to deposits | 59.3503% | 3,287 |
| Net loans and leases to core deposits | 65.3451% | 3,010 |
| Total domestic deposits to total assets | 87.3333% | 2,196 |
| Equity capital to assets | 12.3640% | 1,233 |
| Core capital (leverage) ratio | 13.2985% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4366% | 460 |
| Memoranda: | ||
| Average total assets | $508,131,250 | 1,698 |
| Average earning assets | $475,997,000 | 1,685 |
| Average equity | $62,564,500 | 1,484 |
| Average total loans | $279,268,000 | 1,829 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9182% | 1,772 |
| Cost of funding earning assets | 0.7638% | 342 |
| Net interest margin | 3.1543% | 2,884 |
| Noninterest income to average assets | 1.2840% | 706 |
| Noninterest expense to average assets | 2.6170% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2577% | 2,000 |
| Return on assets (ROA) | 1.4823% | 1,404 |
| Pretax return on assets | 1.9075% | 1,005 |
| Return on Equity (ROE) | 12.0563% | 2,038 |
| Retained earnings to average equity (ytd only) | 2.9016% | 3,864 |
| Net charge-offs to loans | 0.0442% | 1,190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 65.7581% | 929 |
| Efficiency ratio | 61.7183% | 2,771 |
| Assets per employee ($millions) | 8.6478% | 968 |
| Cash dividends to net income (ytd only)* | 75.9334% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 2,913 |
| Loan loss allowance to noncurrent loans | 235.4930% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 1,851 |
| Noncurrent loans to loans | 0.5113% | 2,143 |
| Net loans and leases to total assets | 53.7727% | 3,159 |
| Net loans and leases to deposits | 61.5187% | 3,246 |
| Net loans and leases to core deposits | 67.9467% | 2,964 |
| Total domestic deposits to total assets | 87.4087% | 2,127 |
| Equity capital to assets | 12.3194% | 1,210 |
| Core capital (leverage) ratio | 12.6488% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8327% | 494 |
| Memoranda: | ||
| Average total assets | $502,327,667 | 1,705 |
| Average earning assets | $470,779,333 | 1,697 |
| Average equity | $61,760,000 | 1,492 |
| Average total loans | $280,455,667 | 1,833 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9347% | 1,738 |
| Cost of funding earning assets | 1.0862% | 91 |
| Net interest margin | 2.8485% | 3,640 |
| Noninterest income to average assets | 1.1967% | 860 |
| Noninterest expense to average assets | 2.6582% | 1,719 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9486% | 2,973 |
| Return on assets (ROA) | 1.4013% | 1,647 |
| Pretax return on assets | 1.7761% | 1,338 |
| Return on Equity (ROE) | 11.4095% | 2,223 |
| Retained earnings to average equity (ytd only) | -7.0640% | 4,748 |
| Net charge-offs to loans | 0.0554% | 956 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 38.4359% | 996 |
| Efficiency ratio | 68.8422% | 1,831 |
| Assets per employee ($millions) | 8.4892% | 991 |
| Cash dividends to net income (ytd only)* | 161.9129% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 2,924 |
| Loan loss allowance to noncurrent loans | 283.0950% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 2,068 |
| Noncurrent loans to loans | 0.4243% | 2,589 |
| Net loans and leases to total assets | 54.3609% | 3,203 |
| Net loans and leases to deposits | 61.8241% | 3,331 |
| Net loans and leases to core deposits | 68.9120% | 2,975 |
| Total domestic deposits to total assets | 87.9284% | 1,882 |
| Equity capital to assets | 11.7665% | 1,404 |
| Core capital (leverage) ratio | 12.4542% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3511% | 564 |
| Memoranda: | ||
| Average total assets | $498,382,500 | 1,701 |
| Average earning assets | $466,211,500 | 1,696 |
| Average equity | $61,212,000 | 1,488 |
| Average total loans | $281,832,500 | 1,823 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 1,204 |
| Cost of funding earning assets | 0.7067% | 1,686 |
| Net interest margin | 3.8370% | 1,402 |
| Noninterest income to average assets | 1.2987% | 681 |
| Noninterest expense to average assets | 2.8732% | 1,754 |
| Loan and lease loss provision to assets | 0.2112% | 1,862 |
| Net operating income to assets | 1.4265% | 961 |
| Return on assets (ROA) | 1.4706% | 956 |
| Pretax return on assets | 1.8557% | 604 |
| Return on Equity (ROE) | 11.0383% | 1,616 |
| Retained earnings to average equity (ytd only) | 7.0916% | 1,368 |
| Net charge-offs to loans | 0.0782% | 1,691 |
| Credit loss provision to net charge-offs | 430.8756% | 1,368 |
| Earnings coverage of net charge-offs (x) | 41.0323% | 1,363 |
| Efficiency ratio | 58.8254% | 3,609 |
| Assets per employee ($millions) | 7.9904% | 1,043 |
| Cash dividends to net income (ytd only)* | 35.7549% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 2,940 |
| Loan loss allowance to noncurrent loans | 271.8850% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4739% | 2,136 |
| Noncurrent loans to loans | 0.4418% | 2,650 |
| Net loans and leases to total assets | 57.4475% | 3,150 |
| Net loans and leases to deposits | 67.5519% | 3,129 |
| Net loans and leases to core deposits | 74.3500% | 2,881 |
| Total domestic deposits to total assets | 85.0420% | 2,744 |
| Equity capital to assets | 12.8210% | 1,168 |
| Core capital (leverage) ratio | 13.1946% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9390% | 508 |
| Memoranda: | ||
| Average total assets | $442,745,600 | 1,729 |
| Average earning assets | $413,732,800 | 1,722 |
| Average equity | $58,985,600 | 1,468 |
| Average total loans | $277,486,400 | 1,785 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6588% | 1,165 |
| Cost of funding earning assets | 0.7313% | 1,849 |
| Net interest margin | 3.9275% | 1,288 |
| Noninterest income to average assets | 1.2830% | 658 |
| Noninterest expense to average assets | 2.9287% | 1,616 |
| Loan and lease loss provision to assets | 0.2889% | 1,399 |
| Net operating income to assets | 1.3756% | 1,165 |
| Return on assets (ROA) | 1.4359% | 1,109 |
| Pretax return on assets | 1.8202% | 752 |
| Return on Equity (ROE) | 10.6647% | 1,793 |
| Retained earnings to average equity (ytd only) | 5.3232% | 2,419 |
| Net charge-offs to loans | 0.0546% | 1,827 |
| Credit loss provision to net charge-offs | 827.4336% | 956 |
| Earnings coverage of net charge-offs (x) | 58.2301% | 1,114 |
| Efficiency ratio | 59.0286% | 3,516 |
| Assets per employee ($millions) | 7.5773% | 1,170 |
| Cash dividends to net income (ytd only)* | 50.0861% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,500 |
| Loan loss allowance to noncurrent loans | 335.4685% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 2,265 |
| Noncurrent loans to loans | 0.3667% | 2,970 |
| Net loans and leases to total assets | 60.9509% | 3,117 |
| Net loans and leases to deposits | 72.1618% | 3,117 |
| Net loans and leases to core deposits | 79.3468% | 2,901 |
| Total domestic deposits to total assets | 84.4642% | 2,649 |
| Equity capital to assets | 13.0418% | 1,164 |
| Core capital (leverage) ratio | 12.8736% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3124% | 636 |
| Memoranda: | ||
| Average total assets | $431,579,000 | 1,737 |
| Average earning assets | $404,213,500 | 1,724 |
| Average equity | $58,109,250 | 1,477 |
| Average total loans | $276,005,500 | 1,780 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7926% | 1,185 |
| Cost of funding earning assets | 0.7544% | 2,092 |
| Net interest margin | 4.0382% | 1,244 |
| Noninterest income to average assets | 1.2811% | 623 |
| Noninterest expense to average assets | 2.9551% | 1,702 |
| Loan and lease loss provision to assets | 0.4438% | 870 |
| Net operating income to assets | 1.3330% | 1,272 |
| Return on assets (ROA) | 1.4173% | 1,165 |
| Pretax return on assets | 1.7681% | 866 |
| Return on Equity (ROE) | 10.4068% | 1,847 |
| Retained earnings to average equity (ytd only) | 2.2933% | 3,641 |
| Net charge-offs to loans | 0.0835% | 1,410 |
| Credit loss provision to net charge-offs | 820.1754% | 908 |
| Earnings coverage of net charge-offs (x) | 38.9298% | 1,267 |
| Efficiency ratio | 58.3833% | 3,647 |
| Assets per employee ($millions) | 7.5761% | 1,140 |
| Cash dividends to net income (ytd only)* | 77.9638% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 2,242 |
| Loan loss allowance to noncurrent loans | 271.5944% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.5339% | 2,221 |
| Noncurrent loans to loans | 0.4614% | 2,760 |
| Net loans and leases to total assets | 60.8284% | 3,234 |
| Net loans and leases to deposits | 71.9607% | 3,264 |
| Net loans and leases to core deposits | 78.7440% | 3,047 |
| Total domestic deposits to total assets | 84.5300% | 2,548 |
| Equity capital to assets | 12.8602% | 1,221 |
| Core capital (leverage) ratio | 13.0189% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4555% | 544 |
| Memoranda: | ||
| Average total assets | $421,367,000 | 1,745 |
| Average earning assets | $394,480,667 | 1,734 |
| Average equity | $57,385,333 | 1,482 |
| Average total loans | $272,929,667 | 1,775 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8940% | 1,206 |
| Cost of funding earning assets | 0.8007% | 2,394 |
| Net interest margin | 4.0934% | 1,147 |
| Noninterest income to average assets | 1.4418% | 430 |
| Noninterest expense to average assets | 3.1554% | 1,517 |
| Loan and lease loss provision to assets | 0.0791% | 2,724 |
| Net operating income to assets | 1.5966% | 629 |
| Return on assets (ROA) | 1.7699% | 484 |
| Pretax return on assets | 2.2462% | 267 |
| Return on Equity (ROE) | 12.6018% | 957 |
| Retained earnings to average equity (ytd only) | -3.7784% | 4,419 |
| Net charge-offs to loans | 0.0832% | 1,203 |
| Credit loss provision to net charge-offs | 142.8571% | 1,608 |
| Earnings coverage of net charge-offs (x) | 38.0536% | 1,051 |
| Efficiency ratio | 59.9737% | 3,742 |
| Assets per employee ($millions) | 6.8628% | 1,158 |
| Cash dividends to net income (ytd only)* | 129.9832% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 3,702 |
| Loan loss allowance to noncurrent loans | 193.9914% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 2,129 |
| Noncurrent loans to loans | 0.5160% | 2,718 |
| Net loans and leases to total assets | 65.1378% | 2,919 |
| Net loans and leases to deposits | 78.0745% | 2,877 |
| Net loans and leases to core deposits | 85.8539% | 2,694 |
| Total domestic deposits to total assets | 83.4303% | 2,968 |
| Equity capital to assets | 13.8318% | 1,115 |
| Core capital (leverage) ratio | 13.6938% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3298% | 541 |
| Memoranda: | ||
| Average total assets | $404,768,500 | 1,751 |
| Average earning assets | $377,685,000 | 1,750 |
| Average equity | $56,849,000 | 1,479 |
| Average total loans | $269,388,000 | 1,761 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1252% | 1,162 |
| Cost of funding earning assets | 0.7945% | 2,713 |
| Net interest margin | 4.3307% | 1,030 |
| Noninterest income to average assets | 1.4540% | 441 |
| Noninterest expense to average assets | 3.2217% | 1,469 |
| Loan and lease loss provision to assets | 0.4470% | 306 |
| Net operating income to assets | 1.4249% | 1,263 |
| Return on assets (ROA) | 1.4753% | 1,171 |
| Pretax return on assets | 1.8805% | 778 |
| Return on Equity (ROE) | 10.2649% | 2,176 |
| Retained earnings to average equity (ytd only) | 2.1103% | 3,943 |
| Net charge-offs to loans | 0.3486% | 579 |
| Credit loss provision to net charge-offs | 186.5854% | 1,413 |
| Earnings coverage of net charge-offs (x) | 9.4501% | 2,661 |
| Efficiency ratio | 58.7315% | 3,876 |
| Assets per employee ($millions) | 6.6295% | 1,219 |
| Cash dividends to net income (ytd only)* | 79.4419% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,487 |
| Loan loss allowance to noncurrent loans | 115.0749% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.8724% | 1,466 |
| Noncurrent loans to loans | 0.8718% | 1,759 |
| Net loans and leases to total assets | 66.6619% | 2,878 |
| Net loans and leases to deposits | 80.3702% | 2,733 |
| Net loans and leases to core deposits | 86.2839% | 2,768 |
| Total domestic deposits to total assets | 82.9435% | 3,216 |
| Equity capital to assets | 14.2654% | 1,013 |
| Core capital (leverage) ratio | 14.2997% | 848 |
| Tier 1 risk-based capital ratio | 22.9900% | 914 |
| Total risk-based capital ratio | 24.1092% | 905 |
| Memoranda: | ||
| Average total assets | $376,546,000 | 1,818 |
| Average earning assets | $350,524,200 | 1,814 |
| Average equity | $54,116,600 | 1,490 |
| Average total loans | $258,775,000 | 1,782 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1609% | 1,125 |
| Cost of funding earning assets | 0.7910% | 2,760 |
| Net interest margin | 4.3699% | 1,011 |
| Noninterest income to average assets | 1.4048% | 459 |
| Noninterest expense to average assets | 3.1812% | 1,500 |
| Loan and lease loss provision to assets | 0.0844% | 2,221 |
| Net operating income to assets | 1.7635% | 655 |
| Return on assets (ROA) | 1.8295% | 605 |
| Pretax return on assets | 2.2855% | 383 |
| Return on Equity (ROE) | 12.6774% | 1,393 |
| Retained earnings to average equity (ytd only) | 1.6991% | 4,362 |
| Net charge-offs to loans | 0.1517% | 1,082 |
| Credit loss provision to net charge-offs | 80.4795% | 2,500 |
| Earnings coverage of net charge-offs (x) | 21.8187% | 1,894 |
| Efficiency ratio | 58.1736% | 3,911 |
| Assets per employee ($millions) | 6.4767% | 1,283 |
| Cash dividends to net income (ytd only)* | 86.5972% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7032% | 4,643 |
| Loan loss allowance to noncurrent loans | 173.7782% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 2,171 |
| Noncurrent loans to loans | 0.4047% | 3,097 |
| Net loans and leases to total assets | 68.3258% | 2,742 |
| Net loans and leases to deposits | 82.9654% | 2,570 |
| Net loans and leases to core deposits | 88.9236% | 2,644 |
| Total domestic deposits to total assets | 82.3546% | 3,371 |
| Equity capital to assets | 14.7307% | 923 |
| Core capital (leverage) ratio | 14.5654% | 841 |
| Tier 1 risk-based capital ratio | 23.4763% | 901 |
| Total risk-based capital ratio | 24.2697% | 925 |
| Memoranda: | ||
| Average total assets | $371,376,250 | 1,857 |
| Average earning assets | $345,357,500 | 1,848 |
| Average equity | $53,595,250 | 1,502 |
| Average total loans | $256,642,750 | 1,805 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 1,124 |
| Cost of funding earning assets | 0.7747% | 2,777 |
| Net interest margin | 4.3668% | 1,004 |
| Noninterest income to average assets | 1.3502% | 483 |
| Noninterest expense to average assets | 3.3677% | 1,157 |
| Loan and lease loss provision to assets | 0.1278% | 1,458 |
| Net operating income to assets | 1.5093% | 1,125 |
| Return on assets (ROA) | 1.5433% | 1,075 |
| Pretax return on assets | 1.9620% | 734 |
| Return on Equity (ROE) | 10.7710% | 2,067 |
| Retained earnings to average equity (ytd only) | -5.9776% | 5,086 |
| Net charge-offs to loans | 0.0951% | 1,411 |
| Credit loss provision to net charge-offs | 194.2149% | 1,246 |
| Earnings coverage of net charge-offs (x) | 31.1074% | 1,434 |
| Efficiency ratio | 62.1974% | 3,401 |
| Assets per employee ($millions) | 6.1806% | 1,414 |
| Cash dividends to net income (ytd only)* | 155.4968% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7859% | 4,489 |
| Loan loss allowance to noncurrent loans | 161.6493% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.6668% | 2,055 |
| Noncurrent loans to loans | 0.4861% | 2,824 |
| Net loans and leases to total assets | 67.6100% | 2,874 |
| Net loans and leases to deposits | 81.5799% | 2,777 |
| Net loans and leases to core deposits | 88.2779% | 2,772 |
| Total domestic deposits to total assets | 82.8757% | 3,248 |
| Equity capital to assets | 14.2430% | 1,033 |
| Core capital (leverage) ratio | 14.1944% | 908 |
| Tier 1 risk-based capital ratio | 22.7270% | 968 |
| Total risk-based capital ratio | 23.6012% | 998 |
| Memoranda: | ||
| Average total assets | $367,792,330 | 1,880 |
| Average earning assets | $342,309,330 | 1,855 |
| Average equity | $52,697,000 | 1,521 |
| Average total loans | $254,543,330 | 1,825 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1347% | 1,031 |
| Cost of funding earning assets | 0.7224% | 2,931 |
| Net interest margin | 4.4123% | 871 |
| Noninterest income to average assets | 1.2225% | 544 |
| Noninterest expense to average assets | 3.3317% | 1,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5792% | 938 |
| Return on assets (ROA) | 1.6488% | 843 |
| Pretax return on assets | 2.0893% | 537 |
| Return on Equity (ROE) | 11.4720% | 1,750 |
| Retained earnings to average equity (ytd only) | -22.3463% | 5,272 |
| Net charge-offs to loans | 0.0521% | 1,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 55.0606% | 965 |
| Efficiency ratio | 62.4742% | 3,457 |
| Assets per employee ($millions) | 6.1923% | 1,408 |
| Cash dividends to net income (ytd only)* | 294.7896% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7328% | 4,712 |
| Loan loss allowance to noncurrent loans | 153.9030% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 2,013 |
| Noncurrent loans to loans | 0.4761% | 2,889 |
| Net loans and leases to total assets | 69.4492% | 2,560 |
| Net loans and leases to deposits | 82.8763% | 2,519 |
| Net loans and leases to core deposits | 89.3661% | 2,569 |
| Total domestic deposits to total assets | 83.7986% | 3,119 |
| Equity capital to assets | 14.0136% | 1,033 |
| Core capital (leverage) ratio | 14.1903% | 899 |
| Tier 1 risk-based capital ratio | 22.3002% | 1,016 |
| Total risk-based capital ratio | 23.1167% | 1,041 |
| Memoranda: | ||
| Average total assets | $363,181,500 | 1,903 |
| Average earning assets | $338,325,500 | 1,891 |
| Average equity | $52,196,500 | 1,521 |
| Average total loans | $253,356,000 | 1,840 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2569% | 630 |
| Cost of funding earning assets | 0.5601% | 2,987 |
| Net interest margin | 4.6969% | 490 |
| Noninterest income to average assets | 1.6010% | 370 |
| Noninterest expense to average assets | 3.6744% | 800 |
| Loan and lease loss provision to assets | 0.1568% | 1,325 |
| Net operating income to assets | 1.6635% | 748 |
| Return on assets (ROA) | 1.6568% | 759 |
| Pretax return on assets | 2.1368% | 405 |
| Return on Equity (ROE) | 11.6368% | 1,850 |
| Retained earnings to average equity (ytd only) | 7.8516% | 1,304 |
| Net charge-offs to loans | 0.2232% | 871 |
| Credit loss provision to net charge-offs | 104.3152% | 2,440 |
| Earnings coverage of net charge-offs (x) | 15.3152% | 2,332 |
| Efficiency ratio | 61.4807% | 3,632 |
| Assets per employee ($millions) | 6.0170% | 1,508 |
| Cash dividends to net income (ytd only)* | 32.5277% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7590% | 4,651 |
| Loan loss allowance to noncurrent loans | 143.7406% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.8501% | 1,646 |
| Noncurrent loans to loans | 0.5281% | 2,684 |
| Net loans and leases to total assets | 69.0281% | 2,725 |
| Net loans and leases to deposits | 83.0805% | 2,614 |
| Net loans and leases to core deposits | 91.0028% | 2,495 |
| Total domestic deposits to total assets | 83.0859% | 3,301 |
| Equity capital to assets | 14.7347% | 779 |
| Core capital (leverage) ratio | 15.0880% | 675 |
| Tier 1 risk-based capital ratio | 23.7201% | 845 |
| Total risk-based capital ratio | 24.5564% | 860 |
| Memoranda: | ||
| Average total assets | $354,591,000 | 1,902 |
| Average earning assets | $330,326,800 | 1,887 |
| Average equity | $50,486,400 | 1,510 |
| Average total loans | $238,777,800 | 1,889 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 568 |
| Cost of funding earning assets | 0.5172% | 3,081 |
| Net interest margin | 4.7307% | 437 |
| Noninterest income to average assets | 1.5532% | 405 |
| Noninterest expense to average assets | 3.6473% | 799 |
| Loan and lease loss provision to assets | 0.2100% | 805 |
| Net operating income to assets | 1.6241% | 911 |
| Return on assets (ROA) | 1.6151% | 940 |
| Pretax return on assets | 2.0892% | 496 |
| Return on Equity (ROE) | 11.4460% | 2,001 |
| Retained earnings to average equity (ytd only) | 6.3307% | 2,472 |
| Net charge-offs to loans | 0.1912% | 872 |
| Credit loss provision to net charge-offs | 164.4970% | 1,610 |
| Earnings coverage of net charge-offs (x) | 18.0975% | 2,068 |
| Efficiency ratio | 61.2185% | 3,630 |
| Assets per employee ($millions) | 5.9335% | 1,540 |
| Cash dividends to net income (ytd only)* | 44.6914% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 4,441 |
| Loan loss allowance to noncurrent loans | 195.0789% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 1,718 |
| Noncurrent loans to loans | 0.4387% | 3,082 |
| Net loans and leases to total assets | 69.5334% | 2,718 |
| Net loans and leases to deposits | 82.9605% | 2,716 |
| Net loans and leases to core deposits | 88.2184% | 2,833 |
| Total domestic deposits to total assets | 83.8150% | 3,007 |
| Equity capital to assets | 14.5682% | 813 |
| Core capital (leverage) ratio | 15.1770% | 659 |
| Tier 1 risk-based capital ratio | 23.1028% | 926 |
| Total risk-based capital ratio | 24.0281% | 937 |
| Memoranda: | ||
| Average total assets | $352,984,250 | 1,916 |
| Average earning assets | $328,654,500 | 1,905 |
| Average equity | $49,809,250 | 1,531 |
| Average total loans | $235,694,750 | 1,917 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2502% | 511 |
| Cost of funding earning assets | 0.5461% | 2,639 |
| Net interest margin | 4.7041% | 430 |
| Noninterest income to average assets | 1.5324% | 410 |
| Noninterest expense to average assets | 3.6479% | 822 |
| Loan and lease loss provision to assets | 0.3142% | 443 |
| Net operating income to assets | 1.5006% | 1,165 |
| Return on assets (ROA) | 1.4872% | 1,185 |
| Pretax return on assets | 1.9291% | 717 |
| Return on Equity (ROE) | 10.6532% | 2,253 |
| Retained earnings to average equity (ytd only) | 2.9183% | 4,085 |
| Net charge-offs to loans | 0.1962% | 800 |
| Credit loss provision to net charge-offs | 243.8596% | 1,161 |
| Earnings coverage of net charge-offs (x) | 17.5439% | 1,948 |
| Efficiency ratio | 61.7445% | 3,659 |
| Assets per employee ($millions) | 6.0436% | 1,431 |
| Cash dividends to net income (ytd only)* | 72.6064% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 4,151 |
| Loan loss allowance to noncurrent loans | 281.2977% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.7577% | 1,965 |
| Noncurrent loans to loans | 0.3349% | 3,496 |
| Net loans and leases to total assets | 66.3224% | 3,095 |
| Net loans and leases to deposits | 77.6112% | 3,193 |
| Net loans and leases to core deposits | 82.7191% | 3,186 |
| Total domestic deposits to total assets | 85.4548% | 2,512 |
| Equity capital to assets | 14.2534% | 867 |
| Core capital (leverage) ratio | 14.7677% | 722 |
| Tier 1 risk-based capital ratio | 22.9769% | 937 |
| Total risk-based capital ratio | 23.9766% | 942 |
| Memoranda: | ||
| Average total assets | $353,953,000 | 1,917 |
| Average earning assets | $329,246,330 | 1,911 |
| Average equity | $49,412,330 | 1,545 |
| Average total loans | $232,419,000 | 1,938 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5888% | 239 |
| Cost of funding earning assets | 0.5280% | 2,554 |
| Net interest margin | 5.0608% | 209 |
| Noninterest income to average assets | 1.6093% | 382 |
| Noninterest expense to average assets | 3.7074% | 749 |
| Loan and lease loss provision to assets | 0.6248% | 160 |
| Net operating income to assets | 1.5575% | 939 |
| Return on assets (ROA) | 1.5699% | 930 |
| Pretax return on assets | 2.0105% | 563 |
| Return on Equity (ROE) | 11.3098% | 1,852 |
| Retained earnings to average equity (ytd only) | -4.1612% | 5,151 |
| Net charge-offs to loans | 0.2228% | 674 |
| Credit loss provision to net charge-offs | 431.0078% | 662 |
| Earnings coverage of net charge-offs (x) | 18.0698% | 1,548 |
| Efficiency ratio | 58.5968% | 4,277 |
| Assets per employee ($millions) | 6.0585% | 1,465 |
| Cash dividends to net income (ytd only)* | 136.7931% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 3,955 |
| Loan loss allowance to noncurrent loans | 185.5422% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.9221% | 1,718 |
| Noncurrent loans to loans | 0.5391% | 2,910 |
| Net loans and leases to total assets | 63.9642% | 3,313 |
| Net loans and leases to deposits | 76.6994% | 3,143 |
| Net loans and leases to core deposits | 81.4753% | 3,188 |
| Total domestic deposits to total assets | 83.3960% | 3,546 |
| Equity capital to assets | 13.6391% | 1,001 |
| Core capital (leverage) ratio | 14.1542% | 842 |
| Tier 1 risk-based capital ratio | 22.4015% | 1,005 |
| Total risk-based capital ratio | 23.4452% | 1,007 |
| Memoranda: | ||
| Average total assets | $355,937,000 | 1,918 |
| Average earning assets | $331,807,500 | 1,916 |
| Average equity | $49,408,500 | 1,550 |
| Average total loans | $231,555,000 | 1,950 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 664 |
| Cost of funding earning assets | 0.4622% | 2,670 |
| Net interest margin | 4.5244% | 582 |
| Noninterest income to average assets | 1.3596% | 567 |
| Noninterest expense to average assets | 2.9300% | 2,352 |
| Loan and lease loss provision to assets | 0.1648% | 1,341 |
| Net operating income to assets | 1.6773% | 554 |
| Return on assets (ROA) | 1.6778% | 568 |
| Pretax return on assets | 2.4725% | 184 |
| Return on Equity (ROE) | 12.3652% | 1,112 |
| Retained earnings to average equity (ytd only) | 10.3582% | 308 |
| Net charge-offs to loans | 0.2559% | 1,023 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 15.9948% | 2,208 |
| Efficiency ratio | 52.6367% | 5,064 |
| Assets per employee ($millions) | 5.9071% | 1,582 |
| Cash dividends to net income (ytd only)* | 16.2310% | 3,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 4,792 |
| Loan loss allowance to noncurrent loans | 85.2036% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.4694% | 942 |
| Noncurrent loans to loans | 0.9519% | 1,866 |
| Net loans and leases to total assets | 64.9722% | 3,232 |
| Net loans and leases to deposits | 78.3620% | 3,080 |
| Net loans and leases to core deposits | 83.3860% | 3,117 |
| Total domestic deposits to total assets | 82.9128% | 3,594 |
| Equity capital to assets | 14.1255% | 869 |
| Core capital (leverage) ratio | 14.3816% | 758 |
| Tier 1 risk-based capital ratio | 22.3124% | 984 |
| Total risk-based capital ratio | 23.1511% | 1,010 |
| Memoranda: | ||
| Average total assets | $348,840,800 | 1,925 |
| Average earning assets | $324,350,400 | 1,918 |
| Average equity | $47,334,600 | 1,587 |
| Average total loans | $224,669,800 | 1,970 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 625 |
| Cost of funding earning assets | 0.4598% | 2,618 |
| Net interest margin | 4.5281% | 565 |
| Noninterest income to average assets | 1.3930% | 543 |
| Noninterest expense to average assets | 2.8363% | 2,610 |
| Loan and lease loss provision to assets | 0.1247% | 1,735 |
| Net operating income to assets | 1.7734% | 493 |
| Return on assets (ROA) | 1.7737% | 507 |
| Pretax return on assets | 2.6390% | 172 |
| Return on Equity (ROE) | 13.2095% | 1,012 |
| Retained earnings to average equity (ytd only) | 10.4944% | 491 |
| Net charge-offs to loans | 0.2118% | 1,014 |
| Credit loss provision to net charge-offs | 91.8079% | 2,439 |
| Earnings coverage of net charge-offs (x) | 20.3417% | 1,959 |
| Efficiency ratio | 50.6510% | 5,202 |
| Assets per employee ($millions) | 5.7403% | 1,693 |
| Cash dividends to net income (ytd only)* | 20.5540% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8076% | 4,871 |
| Loan loss allowance to noncurrent loans | 67.4063% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.6741% | 865 |
| Noncurrent loans to loans | 1.1981% | 1,598 |
| Net loans and leases to total assets | 64.9990% | 3,246 |
| Net loans and leases to deposits | 78.4176% | 3,125 |
| Net loans and leases to core deposits | 83.7384% | 3,149 |
| Total domestic deposits to total assets | 82.8883% | 3,491 |
| Equity capital to assets | 14.0342% | 988 |
| Core capital (leverage) ratio | 14.1017% | 869 |
| Tier 1 risk-based capital ratio | 22.3168% | 1,014 |
| Total risk-based capital ratio | 23.1631% | 1,038 |
| Memoranda: | ||
| Average total assets | $347,445,000 | 1,938 |
| Average earning assets | $322,775,250 | 1,938 |
| Average equity | $46,652,250 | 1,629 |
| Average total loans | $222,797,250 | 1,986 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9448% | 629 |
| Cost of funding earning assets | 0.4568% | 2,536 |
| Net interest margin | 4.4881% | 578 |
| Noninterest income to average assets | 1.4267% | 532 |
| Noninterest expense to average assets | 2.8597% | 2,543 |
| Loan and lease loss provision to assets | 0.1010% | 1,999 |
| Net operating income to assets | 1.7576% | 494 |
| Return on assets (ROA) | 1.7579% | 502 |
| Pretax return on assets | 2.6288% | 168 |
| Return on Equity (ROE) | 13.2948% | 961 |
| Retained earnings to average equity (ytd only) | 9.1484% | 795 |
| Net charge-offs to loans | 0.1813% | 1,095 |
| Credit loss provision to net charge-offs | 87.5000% | 2,172 |
| Earnings coverage of net charge-offs (x) | 23.6450% | 1,671 |
| Efficiency ratio | 51.1669% | 5,231 |
| Assets per employee ($millions) | 5.8027% | 1,607 |
| Cash dividends to net income (ytd only)* | 31.1884% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8311% | 4,870 |
| Loan loss allowance to noncurrent loans | 56.6331% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.8807% | 707 |
| Noncurrent loans to loans | 1.4675% | 1,289 |
| Net loans and leases to total assets | 63.6434% | 3,442 |
| Net loans and leases to deposits | 76.4458% | 3,292 |
| Net loans and leases to core deposits | 81.7341% | 3,277 |
| Total domestic deposits to total assets | 83.2529% | 3,482 |
| Equity capital to assets | 13.6775% | 1,075 |
| Core capital (leverage) ratio | 13.6769% | 946 |
| Tier 1 risk-based capital ratio | 21.9701% | 1,057 |
| Total risk-based capital ratio | 22.8329% | 1,081 |
| Memoranda: | ||
| Average total assets | $346,540,330 | 1,942 |
| Average earning assets | $321,386,330 | 1,947 |
| Average equity | $45,822,330 | 1,653 |
| Average total loans | $220,578,670 | 2,004 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 634 |
| Cost of funding earning assets | 0.4490% | 2,532 |
| Net interest margin | 4.4494% | 571 |
| Noninterest income to average assets | 1.3918% | 549 |
| Noninterest expense to average assets | 2.7617% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8228% | 427 |
| Return on assets (ROA) | 1.8037% | 456 |
| Pretax return on assets | 2.7397% | 162 |
| Return on Equity (ROE) | 13.8814% | 829 |
| Retained earnings to average equity (ytd only) | 5.4226% | 2,654 |
| Net charge-offs to loans | 0.1186% | 1,219 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 36.8154% | 1,088 |
| Efficiency ratio | 49.9372% | 5,379 |
| Assets per employee ($millions) | 5.7437% | 1,698 |
| Cash dividends to net income (ytd only)* | 60.9365% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 4,975 |
| Loan loss allowance to noncurrent loans | 61.0682% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.7447% | 842 |
| Noncurrent loans to loans | 1.3641% | 1,477 |
| Net loans and leases to total assets | 61.7713% | 3,571 |
| Net loans and leases to deposits | 73.8311% | 3,422 |
| Net loans and leases to core deposits | 79.0722% | 3,380 |
| Total domestic deposits to total assets | 83.6657% | 3,596 |
| Equity capital to assets | 12.9487% | 1,274 |
| Core capital (leverage) ratio | 13.3226% | 1,027 |
| Tier 1 risk-based capital ratio | 21.4163% | 1,159 |
| Total risk-based capital ratio | 22.2665% | 1,195 |
| Memoranda: | ||
| Average total assets | $345,729,500 | 1,961 |
| Average earning assets | $321,571,500 | 1,959 |
| Average equity | $44,923,500 | 1,689 |
| Average total loans | $219,148,500 | 2,035 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9647% | 639 |
| Cost of funding earning assets | 0.4940% | 2,134 |
| Net interest margin | 4.4706% | 660 |
| Noninterest income to average assets | 1.2496% | 729 |
| Noninterest expense to average assets | 3.0098% | 2,324 |
| Loan and lease loss provision to assets | 0.0149% | 4,074 |
| Net operating income to assets | 1.6153% | 653 |
| Return on assets (ROA) | 1.7071% | 562 |
| Pretax return on assets | 2.5478% | 189 |
| Return on Equity (ROE) | 12.9686% | 1,000 |
| Retained earnings to average equity (ytd only) | 6.9377% | 1,252 |
| Net charge-offs to loans | 0.1860% | 1,486 |
| Credit loss provision to net charge-offs | 12.5945% | 3,729 |
| Earnings coverage of net charge-offs (x) | 20.4736% | 1,852 |
| Efficiency ratio | 55.3725% | 5,121 |
| Assets per employee ($millions) | 5.6849% | 1,707 |
| Cash dividends to net income (ytd only)* | 46.5035% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 4,943 |
| Loan loss allowance to noncurrent loans | 67.1062% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.7157% | 896 |
| Noncurrent loans to loans | 1.2752% | 1,604 |
| Net loans and leases to total assets | 63.9621% | 3,363 |
| Net loans and leases to deposits | 76.4510% | 3,267 |
| Net loans and leases to core deposits | 81.9377% | 3,214 |
| Total domestic deposits to total assets | 83.6642% | 3,550 |
| Equity capital to assets | 13.0402% | 1,239 |
| Core capital (leverage) ratio | 13.4835% | 971 |
| Tier 1 risk-based capital ratio | 20.8160% | 1,245 |
| Total risk-based capital ratio | 21.6835% | 1,271 |
| Memoranda: | ||
| Average total assets | $335,070,600 | 1,975 |
| Average earning assets | $313,735,200 | 1,950 |
| Average equity | $44,106,600 | 1,684 |
| Average total loans | $213,443,800 | 2,017 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9499% | 659 |
| Cost of funding earning assets | 0.5081% | 2,034 |
| Net interest margin | 4.4418% | 714 |
| Noninterest income to average assets | 1.1480% | 870 |
| Noninterest expense to average assets | 3.1725% | 1,846 |
| Loan and lease loss provision to assets | 0.0200% | 3,840 |
| Net operating income to assets | 1.4168% | 1,037 |
| Return on assets (ROA) | 1.5301% | 873 |
| Pretax return on assets | 2.2931% | 321 |
| Return on Equity (ROE) | 11.5961% | 1,460 |
| Retained earnings to average equity (ytd only) | 5.6618% | 2,385 |
| Net charge-offs to loans | 0.1637% | 1,391 |
| Credit loss provision to net charge-offs | 19.2308% | 3,304 |
| Earnings coverage of net charge-offs (x) | 20.6306% | 1,861 |
| Efficiency ratio | 59.6722% | 4,590 |
| Assets per employee ($millions) | 5.6564% | 1,708 |
| Cash dividends to net income (ytd only)* | 51.1755% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 4,775 |
| Loan loss allowance to noncurrent loans | 52.3045% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.8698% | 868 |
| Noncurrent loans to loans | 1.7710% | 1,174 |
| Net loans and leases to total assets | 64.7391% | 3,306 |
| Net loans and leases to deposits | 77.8162% | 3,205 |
| Net loans and leases to core deposits | 83.4036% | 3,181 |
| Total domestic deposits to total assets | 83.1949% | 3,514 |
| Equity capital to assets | 13.5404% | 1,230 |
| Core capital (leverage) ratio | 14.1928% | 794 |
| Tier 1 risk-based capital ratio | 21.9167% | 1,150 |
| Total risk-based capital ratio | 22.8572% | 1,164 |
| Memoranda: | ||
| Average total assets | $333,565,500 | 1,988 |
| Average earning assets | $313,050,250 | 1,958 |
| Average equity | $44,013,500 | 1,698 |
| Average total loans | $211,791,750 | 2,037 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9028% | 719 |
| Cost of funding earning assets | 0.5258% | 1,893 |
| Net interest margin | 4.3770% | 799 |
| Noninterest income to average assets | 1.2473% | 730 |
| Noninterest expense to average assets | 2.9942% | 2,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5655% | 781 |
| Return on assets (ROA) | 1.6593% | 669 |
| Pretax return on assets | 2.5085% | 215 |
| Return on Equity (ROE) | 12.6863% | 1,108 |
| Retained earnings to average equity (ytd only) | 3.6954% | 3,535 |
| Net charge-offs to loans | 0.2041% | 1,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 18.4393% | 1,823 |
| Efficiency ratio | 55.8564% | 5,159 |
| Assets per employee ($millions) | 5.6502% | 1,659 |
| Cash dividends to net income (ytd only)* | 70.8710% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 4,799 |
| Loan loss allowance to noncurrent loans | 56.8368% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.7806% | 972 |
| Noncurrent loans to loans | 1.6564% | 1,282 |
| Net loans and leases to total assets | 63.6321% | 3,422 |
| Net loans and leases to deposits | 76.3057% | 3,346 |
| Net loans and leases to core deposits | 81.9165% | 3,278 |
| Total domestic deposits to total assets | 83.3911% | 3,505 |
| Equity capital to assets | 13.3158% | 1,324 |
| Core capital (leverage) ratio | 13.9036% | 854 |
| Tier 1 risk-based capital ratio | 22.1141% | 1,122 |
| Total risk-based capital ratio | 23.0689% | 1,141 |
| Memoranda: | ||
| Average total assets | $333,511,670 | 1,998 |
| Average earning assets | $313,414,330 | 1,968 |
| Average equity | $43,622,000 | 1,713 |
| Average total loans | $209,698,330 | 2,056 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8748% | 727 |
| Cost of funding earning assets | 0.5601% | 1,625 |
| Net interest margin | 4.3147% | 903 |
| Noninterest income to average assets | 1.2399% | 708 |
| Noninterest expense to average assets | 2.8394% | 2,919 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5911% | 714 |
| Return on assets (ROA) | 1.7735% | 523 |
| Pretax return on assets | 2.7267% | 166 |
| Return on Equity (ROE) | 13.6824% | 898 |
| Retained earnings to average equity (ytd only) | 7.1141% | 1,836 |
| Net charge-offs to loans | 0.1311% | 1,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,182 |
| Efficiency ratio | 53.7205% | 5,408 |
| Assets per employee ($millions) | 5.7294% | 1,643 |
| Cash dividends to net income (ytd only)* | 48.0054% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 4,379 |
| Loan loss allowance to noncurrent loans | 73.4534% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.6895% | 1,153 |
| Noncurrent loans to loans | 1.4177% | 1,682 |
| Net loans and leases to total assets | 60.7511% | 3,684 |
| Net loans and leases to deposits | 72.4936% | 3,605 |
| Net loans and leases to core deposits | 77.7099% | 3,520 |
| Total domestic deposits to total assets | 83.8020% | 3,597 |
| Equity capital to assets | 12.9111% | 1,452 |
| Core capital (leverage) ratio | 13.4912% | 989 |
| Tier 1 risk-based capital ratio | 21.3825% | 1,248 |
| Total risk-based capital ratio | 22.4133% | 1,262 |
| Memoranda: | ||
| Average total assets | $333,586,000 | 2,004 |
| Average earning assets | $312,791,500 | 1,982 |
| Average equity | $43,238,000 | 1,721 |
| Average total loans | $207,476,500 | 2,077 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0939% | 523 |
| Cost of funding earning assets | 0.5893% | 1,440 |
| Net interest margin | 4.5047% | 644 |
| Noninterest income to average assets | 1.2702% | 739 |
| Noninterest expense to average assets | 3.0281% | 2,450 |
| Loan and lease loss provision to assets | 0.1353% | 1,759 |
| Net operating income to assets | 1.5710% | 748 |
| Return on assets (ROA) | 1.6417% | 663 |
| Pretax return on assets | 2.4077% | 238 |
| Return on Equity (ROE) | 13.1078% | 1,032 |
| Retained earnings to average equity (ytd only) | 10.9073% | 355 |
| Net charge-offs to loans | 0.1519% | 1,851 |
| Credit loss provision to net charge-offs | 143.0464% | 1,836 |
| Earnings coverage of net charge-offs (x) | 25.7881% | 1,617 |
| Efficiency ratio | 55.3875% | 5,405 |
| Assets per employee ($millions) | 5.7743% | 1,559 |
| Cash dividends to net income (ytd only)* | 16.7875% | 3,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 4,175 |
| Loan loss allowance to noncurrent loans | 66.0059% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.7038% | 1,139 |
| Noncurrent loans to loans | 1.6294% | 1,402 |
| Net loans and leases to total assets | 62.3452% | 3,510 |
| Net loans and leases to deposits | 74.6088% | 3,425 |
| Net loans and leases to core deposits | 80.2902% | 3,308 |
| Total domestic deposits to total assets | 83.5628% | 3,648 |
| Equity capital to assets | 13.0134% | 1,343 |
| Core capital (leverage) ratio | 13.5483% | 947 |
| Tier 1 risk-based capital ratio | 21.0827% | 1,283 |
| Total risk-based capital ratio | 22.1530% | 1,293 |
| Memoranda: | ||
| Average total assets | $319,311,400 | 2,049 |
| Average earning assets | $297,490,800 | 2,029 |
| Average equity | $39,991,600 | 1,802 |
| Average total loans | $198,856,200 | 2,082 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0957% | 519 |
| Cost of funding earning assets | 0.5964% | 1,431 |
| Net interest margin | 4.4994% | 651 |
| Noninterest income to average assets | 1.2725% | 738 |
| Noninterest expense to average assets | 3.0352% | 2,414 |
| Loan and lease loss provision to assets | 0.1515% | 1,439 |
| Net operating income to assets | 1.5502% | 850 |
| Return on assets (ROA) | 1.6575% | 701 |
| Pretax return on assets | 2.4280% | 267 |
| Return on Equity (ROE) | 13.3698% | 1,037 |
| Retained earnings to average equity (ytd only) | 10.3829% | 574 |
| Net charge-offs to loans | 0.1945% | 1,310 |
| Credit loss provision to net charge-offs | 125.4355% | 1,920 |
| Earnings coverage of net charge-offs (x) | 20.0521% | 1,893 |
| Efficiency ratio | 55.6215% | 5,396 |
| Assets per employee ($millions) | 5.7449% | 1,550 |
| Cash dividends to net income (ytd only)* | 22.3406% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 4,395 |
| Loan loss allowance to noncurrent loans | 69.6126% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.6359% | 1,348 |
| Noncurrent loans to loans | 1.5347% | 1,631 |
| Net loans and leases to total assets | 62.5778% | 3,525 |
| Net loans and leases to deposits | 74.7189% | 3,454 |
| Net loans and leases to core deposits | 80.4586% | 3,394 |
| Total domestic deposits to total assets | 83.7510% | 3,521 |
| Equity capital to assets | 12.7154% | 1,606 |
| Core capital (leverage) ratio | 12.8713% | 1,245 |
| Tier 1 risk-based capital ratio | 20.4668% | 1,440 |
| Total risk-based capital ratio | 21.5449% | 1,448 |
| Memoranda: | ||
| Average total assets | $316,855,000 | 2,077 |
| Average earning assets | $294,672,000 | 2,058 |
| Average equity | $39,281,500 | 1,842 |
| Average total loans | $196,712,250 | 2,115 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0037% | 590 |
| Cost of funding earning assets | 0.6008% | 1,412 |
| Net interest margin | 4.4029% | 759 |
| Noninterest income to average assets | 1.2670% | 761 |
| Noninterest expense to average assets | 2.9787% | 2,622 |
| Loan and lease loss provision to assets | 0.2284% | 826 |
| Net operating income to assets | 1.4503% | 988 |
| Return on assets (ROA) | 1.6026% | 764 |
| Pretax return on assets | 2.3709% | 302 |
| Return on Equity (ROE) | 13.0409% | 1,104 |
| Retained earnings to average equity (ytd only) | 8.4977% | 1,074 |
| Net charge-offs to loans | 0.3096% | 854 |
| Credit loss provision to net charge-offs | 119.6013% | 1,818 |
| Earnings coverage of net charge-offs (x) | 12.4385% | 2,202 |
| Efficiency ratio | 55.6346% | 5,461 |
| Assets per employee ($millions) | 5.5182% | 1,720 |
| Cash dividends to net income (ytd only)* | 34.8377% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 4,404 |
| Loan loss allowance to noncurrent loans | 55.9326% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 1.7863% | 1,294 |
| Noncurrent loans to loans | 1.9409% | 1,281 |
| Net loans and leases to total assets | 61.4640% | 3,632 |
| Net loans and leases to deposits | 72.8842% | 3,632 |
| Net loans and leases to core deposits | 78.3806% | 3,537 |
| Total domestic deposits to total assets | 84.3311% | 3,429 |
| Equity capital to assets | 12.1723% | 1,896 |
| Core capital (leverage) ratio | 12.0412% | 1,637 |
| Tier 1 risk-based capital ratio | 19.8892% | 1,576 |
| Total risk-based capital ratio | 21.0058% | 1,565 |
| Memoranda: | ||
| Average total assets | $315,235,670 | 2,098 |
| Average earning assets | $292,624,670 | 2,090 |
| Average equity | $38,739,670 | 1,882 |
| Average total loans | $194,451,330 | 2,134 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 602 |
| Cost of funding earning assets | 0.6080% | 1,377 |
| Net interest margin | 4.3578% | 790 |
| Noninterest income to average assets | 1.1815% | 818 |
| Noninterest expense to average assets | 3.0790% | 2,339 |
| Loan and lease loss provision to assets | 0.3964% | 299 |
| Net operating income to assets | 1.1744% | 1,618 |
| Return on assets (ROA) | 1.4820% | 934 |
| Pretax return on assets | 2.2070% | 381 |
| Return on Equity (ROE) | 12.0009% | 1,352 |
| Retained earnings to average equity (ytd only) | 10.5927% | 798 |
| Net charge-offs to loans | 0.5868% | 421 |
| Credit loss provision to net charge-offs | 109.9291% | 1,513 |
| Earnings coverage of net charge-offs (x) | 5.9468% | 2,340 |
| Efficiency ratio | 58.9474% | 5,231 |
| Assets per employee ($millions) | 5.3701% | 1,926 |
| Cash dividends to net income (ytd only)* | 11.7343% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 4,579 |
| Loan loss allowance to noncurrent loans | 66.2827% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.6996% | 1,474 |
| Noncurrent loans to loans | 1.6414% | 1,699 |
| Net loans and leases to total assets | 61.0902% | 3,518 |
| Net loans and leases to deposits | 72.7279% | 3,467 |
| Net loans and leases to core deposits | 78.1712% | 3,361 |
| Total domestic deposits to total assets | 83.9983% | 3,816 |
| Equity capital to assets | 12.3436% | 1,788 |
| Core capital (leverage) ratio | 12.5747% | 1,329 |
| Tier 1 risk-based capital ratio | 20.8918% | 1,444 |
| Total risk-based capital ratio | 22.0083% | 1,435 |
| Memoranda: | ||
| Average total assets | $312,826,500 | 2,120 |
| Average earning assets | $290,145,000 | 2,112 |
| Average equity | $38,630,500 | 1,895 |
| Average total loans | $192,238,500 | 2,156 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1286% | 598 |
| Cost of funding earning assets | 0.7938% | 671 |
| Net interest margin | 4.3348% | 987 |
| Noninterest income to average assets | 1.2055% | 823 |
| Noninterest expense to average assets | 2.9209% | 3,080 |
| Loan and lease loss provision to assets | 0.0246% | 4,113 |
| Net operating income to assets | 1.5465% | 797 |
| Return on assets (ROA) | 1.6636% | 648 |
| Pretax return on assets | 2.4135% | 224 |
| Return on Equity (ROE) | 14.7448% | 822 |
| Retained earnings to average equity (ytd only) | 12.9704% | 227 |
| Net charge-offs to loans | 0.1266% | 2,762 |
| Credit loss provision to net charge-offs | 33.1858% | 3,789 |
| Earnings coverage of net charge-offs (x) | 30.5841% | 1,316 |
| Efficiency ratio | 56.2864% | 5,639 |
| Assets per employee ($millions) | 5.2342% | 2,033 |
| Cash dividends to net income (ytd only)* | 12.0339% | 4,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 4,482 |
| Loan loss allowance to noncurrent loans | 65.9755% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 1.9202% | 1,342 |
| Noncurrent loans to loans | 1.6860% | 1,734 |
| Net loans and leases to total assets | 60.4541% | 3,728 |
| Net loans and leases to deposits | 72.0147% | 3,681 |
| Net loans and leases to core deposits | 77.2937% | 3,585 |
| Total domestic deposits to total assets | 83.9469% | 3,735 |
| Equity capital to assets | 12.3542% | 1,730 |
| Core capital (leverage) ratio | 12.3117% | 1,447 |
| Tier 1 risk-based capital ratio | 20.1813% | 1,558 |
| Total risk-based capital ratio | 21.3007% | 1,559 |
| Memoranda: | ||
| Average total assets | $304,697,600 | 2,131 |
| Average earning assets | $280,035,400 | 2,127 |
| Average equity | $34,378,200 | 2,029 |
| Average total loans | $178,495,600 | 2,246 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1314% | 602 |
| Cost of funding earning assets | 0.8484% | 546 |
| Net interest margin | 4.2830% | 1,085 |
| Noninterest income to average assets | 1.1714% | 877 |
| Noninterest expense to average assets | 2.9387% | 2,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4801% | 977 |
| Return on assets (ROA) | 1.6873% | 656 |
| Pretax return on assets | 2.4675% | 224 |
| Return on Equity (ROE) | 15.3250% | 769 |
| Retained earnings to average equity (ytd only) | 12.8925% | 335 |
| Net charge-offs to loans | 0.0531% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 70.3722% | 778 |
| Efficiency ratio | 57.6039% | 5,493 |
| Assets per employee ($millions) | 5.1990% | 2,017 |
| Cash dividends to net income (ytd only)* | 15.8730% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 4,265 |
| Loan loss allowance to noncurrent loans | 59.6443% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 1.9997% | 1,438 |
| Noncurrent loans to loans | 2.0026% | 1,584 |
| Net loans and leases to total assets | 59.8050% | 3,822 |
| Net loans and leases to deposits | 70.9529% | 3,804 |
| Net loans and leases to core deposits | 76.3899% | 3,701 |
| Total domestic deposits to total assets | 84.2883% | 3,645 |
| Equity capital to assets | 12.0289% | 2,032 |
| Core capital (leverage) ratio | 11.8535% | 1,789 |
| Tier 1 risk-based capital ratio | 19.8158% | 1,716 |
| Total risk-based capital ratio | 20.9520% | 1,705 |
| Memoranda: | ||
| Average total assets | $303,667,500 | 2,151 |
| Average earning assets | $278,642,500 | 2,153 |
| Average equity | $33,434,750 | 2,088 |
| Average total loans | $175,921,250 | 2,283 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 650 |
| Cost of funding earning assets | 0.8652% | 514 |
| Net interest margin | 4.2087% | 1,219 |
| Noninterest income to average assets | 1.0783% | 1,023 |
| Noninterest expense to average assets | 2.5166% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6678% | 619 |
| Return on assets (ROA) | 1.7629% | 544 |
| Pretax return on assets | 2.5882% | 182 |
| Return on Equity (ROE) | 16.5164% | 604 |
| Retained earnings to average equity (ytd only) | 12.7612% | 359 |
| Net charge-offs to loans | 0.0564% | 3,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 76.0408% | 695 |
| Efficiency ratio | 50.6882% | 6,140 |
| Assets per employee ($millions) | 5.4404% | 1,751 |
| Cash dividends to net income (ytd only)* | 22.7357% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 4,226 |
| Loan loss allowance to noncurrent loans | 70.0064% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 1.8466% | 1,762 |
| Noncurrent loans to loans | 1.7692% | 1,944 |
| Net loans and leases to total assets | 57.6082% | 4,036 |
| Net loans and leases to deposits | 67.8351% | 4,071 |
| Net loans and leases to core deposits | 72.9848% | 3,946 |
| Total domestic deposits to total assets | 84.9240% | 3,549 |
| Equity capital to assets | 11.4349% | 2,483 |
| Core capital (leverage) ratio | 11.5385% | 1,966 |
| Tier 1 risk-based capital ratio | 19.2874% | 1,857 |
| Total risk-based capital ratio | 20.4909% | 1,830 |
| Memoranda: | ||
| Average total assets | $304,376,670 | 2,143 |
| Average earning assets | $281,085,330 | 2,132 |
| Average equity | $32,489,000 | 2,136 |
| Average total loans | $173,723,000 | 2,307 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0546% | 647 |
| Cost of funding earning assets | 0.8726% | 524 |
| Net interest margin | 4.1820% | 1,266 |
| Noninterest income to average assets | 1.0137% | 1,103 |
| Noninterest expense to average assets | 2.4166% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6534% | 616 |
| Return on assets (ROA) | 1.7802% | 513 |
| Pretax return on assets | 2.6427% | 193 |
| Return on Equity (ROE) | 17.2955% | 505 |
| Retained earnings to average equity (ytd only) | 15.5583% | 295 |
| Net charge-offs to loans | 0.1165% | 2,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 37.3200% | 919 |
| Efficiency ratio | 49.6220% | 6,277 |
| Assets per employee ($millions) | 5.5330% | 1,676 |
| Cash dividends to net income (ytd only)* | 10.0443% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 4,320 |
| Loan loss allowance to noncurrent loans | 56.9358% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 2.2073% | 1,498 |
| Noncurrent loans to loans | 2.2150% | 1,635 |
| Net loans and leases to total assets | 56.6022% | 4,066 |
| Net loans and leases to deposits | 66.2808% | 4,062 |
| Net loans and leases to core deposits | 71.3934% | 3,934 |
| Total domestic deposits to total assets | 85.3976% | 3,676 |
| Equity capital to assets | 10.7261% | 3,008 |
| Core capital (leverage) ratio | 11.4238% | 2,025 |
| Tier 1 risk-based capital ratio | 18.7750% | 2,040 |
| Total risk-based capital ratio | 19.9758% | 2,011 |
| Memoranda: | ||
| Average total assets | $304,233,500 | 2,154 |
| Average earning assets | $280,538,000 | 2,141 |
| Average equity | $31,314,500 | 2,194 |
| Average total loans | $171,728,500 | 2,325 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0333% | 863 |
| Cost of funding earning assets | 1.0433% | 370 |
| Net interest margin | 3.9900% | 1,972 |
| Noninterest income to average assets | 0.8730% | 1,774 |
| Noninterest expense to average assets | 2.4257% | 5,005 |
| Loan and lease loss provision to assets | 0.1098% | 2,970 |
| Net operating income to assets | 1.4321% | 962 |
| Return on assets (ROA) | 1.4613% | 938 |
| Pretax return on assets | 2.0692% | 413 |
| Return on Equity (ROE) | 14.4457% | 859 |
| Retained earnings to average equity (ytd only) | 10.9313% | 424 |
| Net charge-offs to loans | 0.9918% | 590 |
| Credit loss provision to net charge-offs | 20.7477% | 4,434 |
| Earnings coverage of net charge-offs (x) | 4.0386% | 3,694 |
| Efficiency ratio | 53.1546% | 6,204 |
| Assets per employee ($millions) | 5.2440% | 1,908 |
| Cash dividends to net income (ytd only)* | 24.3286% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 3,972 |
| Loan loss allowance to noncurrent loans | 66.9643% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 2.0404% | 1,762 |
| Noncurrent loans to loans | 1.9881% | 2,001 |
| Net loans and leases to total assets | 54.8272% | 4,487 |
| Net loans and leases to deposits | 63.4002% | 4,573 |
| Net loans and leases to core deposits | 68.9888% | 4,393 |
| Total domestic deposits to total assets | 86.4779% | 3,005 |
| Equity capital to assets | 9.8595% | 3,955 |
| Core capital (leverage) ratio | 10.9595% | 2,428 |
| Tier 1 risk-based capital ratio | 18.1133% | 2,214 |
| Total risk-based capital ratio | 19.3388% | 2,184 |
| Memoranda: | ||
| Average total assets | $303,213,000 | 2,126 |
| Average earning assets | $280,450,200 | 2,110 |
| Average equity | $30,673,400 | 2,215 |
| Average total loans | $161,830,000 | 2,397 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 947 |
| Cost of funding earning assets | 1.0552% | 382 |
| Net interest margin | 3.9444% | 2,133 |
| Noninterest income to average assets | 0.8810% | 1,818 |
| Noninterest expense to average assets | 2.4221% | 4,951 |
| Loan and lease loss provision to assets | 0.1465% | 2,447 |
| Net operating income to assets | 1.3632% | 1,196 |
| Return on assets (ROA) | 1.4012% | 1,149 |
| Pretax return on assets | 2.0177% | 559 |
| Return on Equity (ROE) | 13.7632% | 1,050 |
| Retained earnings to average equity (ytd only) | 13.4260% | 295 |
| Net charge-offs to loans | 0.8631% | 676 |
| Credit loss provision to net charge-offs | 32.1429% | 3,853 |
| Earnings coverage of net charge-offs (x) | 4.6264% | 3,393 |
| Efficiency ratio | 53.4525% | 6,149 |
| Assets per employee ($millions) | 5.3861% | 1,748 |
| Cash dividends to net income (ytd only)* | 2.4498% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 2,638 |
| Loan loss allowance to noncurrent loans | 55.3375% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 2.6901% | 1,404 |
| Noncurrent loans to loans | 3.0632% | 1,301 |
| Net loans and leases to total assets | 54.2202% | 4,576 |
| Net loans and leases to deposits | 62.7128% | 4,667 |
| Net loans and leases to core deposits | 68.5541% | 4,479 |
| Total domestic deposits to total assets | 86.4579% | 2,984 |
| Equity capital to assets | 9.9472% | 3,973 |
| Core capital (leverage) ratio | 10.8716% | 2,599 |
| Tier 1 risk-based capital ratio | 18.0911% | 2,288 |
| Total risk-based capital ratio | 19.3446% | 2,253 |
| Memoranda: | ||
| Average total assets | $302,977,750 | 2,138 |
| Average earning assets | $280,393,000 | 2,118 |
| Average equity | $30,844,750 | 2,225 |
| Average total loans | $160,035,250 | 2,439 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9573% | 985 |
| Cost of funding earning assets | 1.0604% | 407 |
| Net interest margin | 3.8968% | 2,221 |
| Noninterest income to average assets | 0.8720% | 1,918 |
| Noninterest expense to average assets | 2.3966% | 5,065 |
| Loan and lease loss provision to assets | 0.1041% | 3,055 |
| Net operating income to assets | 1.3752% | 1,130 |
| Return on assets (ROA) | 1.5048% | 959 |
| Pretax return on assets | 2.1705% | 445 |
| Return on Equity (ROE) | 14.6697% | 877 |
| Retained earnings to average equity (ytd only) | 14.1685% | 292 |
| Net charge-offs to loans | 0.2938% | 2,012 |
| Credit loss provision to net charge-offs | 68.1034% | 2,868 |
| Earnings coverage of net charge-offs (x) | 13.6466% | 1,884 |
| Efficiency ratio | 53.4549% | 6,182 |
| Assets per employee ($millions) | 5.7668% | 1,370 |
| Cash dividends to net income (ytd only)* | 3.4166% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1240% | 1,574 |
| Loan loss allowance to noncurrent loans | 64.6849% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.7437% | 1,510 |
| Noncurrent loans to loans | 3.2836% | 1,334 |
| Net loans and leases to total assets | 51.0376% | 4,993 |
| Net loans and leases to deposits | 59.7748% | 5,000 |
| Net loans and leases to core deposits | 65.3842% | 4,754 |
| Total domestic deposits to total assets | 85.3831% | 3,709 |
| Equity capital to assets | 9.5082% | 4,569 |
| Core capital (leverage) ratio | 10.2863% | 3,116 |
| Tier 1 risk-based capital ratio | 17.5205% | 2,507 |
| Total risk-based capital ratio | 18.7780% | 2,473 |
| Memoranda: | ||
| Average total assets | $303,429,670 | 2,139 |
| Average earning assets | $281,203,670 | 2,122 |
| Average equity | $31,125,330 | 2,207 |
| Average total loans | $157,927,000 | 2,465 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9714% | 948 |
| Cost of funding earning assets | 1.0661% | 440 |
| Net interest margin | 3.9053% | 2,101 |
| Noninterest income to average assets | 0.9177% | 1,701 |
| Noninterest expense to average assets | 2.4218% | 5,050 |
| Loan and lease loss provision to assets | 0.2111% | 1,753 |
| Net operating income to assets | 1.2523% | 1,398 |
| Return on assets (ROA) | 1.2757% | 1,440 |
| Pretax return on assets | 1.9663% | 630 |
| Return on Equity (ROE) | 11.9811% | 1,431 |
| Retained earnings to average equity (ytd only) | 11.0026% | 877 |
| Net charge-offs to loans | 0.3211% | 1,680 |
| Credit loss provision to net charge-offs | 126.4000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 12.8240% | 1,571 |
| Efficiency ratio | 53.0738% | 6,298 |
| Assets per employee ($millions) | 5.1523% | 2,034 |
| Cash dividends to net income (ytd only)* | 8.1675% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2420% | 1,499 |
| Loan loss allowance to noncurrent loans | 68.5367% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 2.7889% | 1,625 |
| Noncurrent loans to loans | 3.2713% | 1,487 |
| Net loans and leases to total assets | 50.9918% | 4,844 |
| Net loans and leases to deposits | 59.4650% | 4,856 |
| Net loans and leases to core deposits | 64.1619% | 4,724 |
| Total domestic deposits to total assets | 85.7510% | 3,660 |
| Equity capital to assets | 10.5390% | 3,503 |
| Core capital (leverage) ratio | 10.2094% | 3,136 |
| Tier 1 risk-based capital ratio | 17.6123% | 2,513 |
| Total risk-based capital ratio | 18.8720% | 2,477 |
| Memoranda: | ||
| Average total assets | $299,441,500 | 2,196 |
| Average earning assets | $279,516,500 | 2,155 |
| Average equity | $31,883,500 | 2,191 |
| Average total loans | $155,699,000 | 2,516 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2724% | 980 |
| Cost of funding earning assets | 1.2987% | 376 |
| Net interest margin | 3.9737% | 2,501 |
| Noninterest income to average assets | 0.8606% | 1,991 |
| Noninterest expense to average assets | 2.3313% | 5,609 |
| Loan and lease loss provision to assets | 0.2224% | 2,908 |
| Net operating income to assets | 1.3305% | 1,231 |
| Return on assets (ROA) | 1.4391% | 1,152 |
| Pretax return on assets | 2.0684% | 522 |
| Return on Equity (ROE) | 14.3382% | 927 |
| Retained earnings to average equity (ytd only) | 13.3878% | 231 |
| Net charge-offs to loans | 0.5393% | 2,115 |
| Credit loss provision to net charge-offs | 80.8989% | 3,800 |
| Earnings coverage of net charge-offs (x) | 7.7703% | 2,531 |
| Efficiency ratio | 52.1893% | 6,450 |
| Assets per employee ($millions) | 5.5641% | 1,629 |
| Cash dividends to net income (ytd only)* | 6.6285% | 4,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3044% | 1,359 |
| Loan loss allowance to noncurrent loans | 68.0711% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 2.8291% | 1,692 |
| Noncurrent loans to loans | 3.3854% | 1,491 |
| Net loans and leases to total assets | 50.6323% | 5,088 |
| Net loans and leases to deposits | 59.2148% | 5,106 |
| Net loans and leases to core deposits | 64.2837% | 4,925 |
| Total domestic deposits to total assets | 85.5061% | 3,605 |
| Equity capital to assets | 10.7597% | 3,212 |
| Core capital (leverage) ratio | 10.1187% | 3,249 |
| Tier 1 risk-based capital ratio | 16.6753% | 2,803 |
| Total risk-based capital ratio | 17.9343% | 2,776 |
| Memoranda: | ||
| Average total assets | $291,428,400 | 2,194 |
| Average earning assets | $264,490,600 | 2,200 |
| Average equity | $29,250,600 | 2,299 |
| Average total loans | $148,517,400 | 2,591 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3388% | 943 |
| Cost of funding earning assets | 1.3467% | 356 |
| Net interest margin | 3.9921% | 2,534 |
| Noninterest income to average assets | 0.8136% | 2,177 |
| Noninterest expense to average assets | 2.2866% | 5,722 |
| Loan and lease loss provision to assets | 0.2964% | 2,218 |
| Net operating income to assets | 1.2814% | 1,489 |
| Return on assets (ROA) | 1.4266% | 1,287 |
| Pretax return on assets | 2.0333% | 661 |
| Return on Equity (ROE) | 14.4782% | 1,006 |
| Retained earnings to average equity (ytd only) | 13.5469% | 342 |
| Net charge-offs to loans | 0.5182% | 2,057 |
| Credit loss provision to net charge-offs | 112.7400% | 2,593 |
| Earnings coverage of net charge-offs (x) | 8.0716% | 2,509 |
| Efficiency ratio | 51.8630% | 6,458 |
| Assets per employee ($millions) | 5.8190% | 1,360 |
| Cash dividends to net income (ytd only)* | 6.4329% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5293% | 1,174 |
| Loan loss allowance to noncurrent loans | 81.2703% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 2.7098% | 1,951 |
| Noncurrent loans to loans | 3.1122% | 1,786 |
| Net loans and leases to total assets | 49.6560% | 5,352 |
| Net loans and leases to deposits | 57.9408% | 5,438 |
| Net loans and leases to core deposits | 63.3531% | 5,222 |
| Total domestic deposits to total assets | 85.7012% | 3,412 |
| Equity capital to assets | 10.5483% | 3,783 |
| Core capital (leverage) ratio | 9.8729% | 3,724 |
| Tier 1 risk-based capital ratio | 16.5455% | 2,969 |
| Total risk-based capital ratio | 17.8068% | 2,937 |
| Memoranda: | ||
| Average total assets | $290,561,250 | 2,226 |
| Average earning assets | $261,676,750 | 2,241 |
| Average equity | $28,630,750 | 2,362 |
| Average total loans | $147,438,000 | 2,643 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4147% | 847 |
| Cost of funding earning assets | 1.3843% | 373 |
| Net interest margin | 4.0304% | 2,381 |
| Noninterest income to average assets | 0.7651% | 2,351 |
| Noninterest expense to average assets | 2.2787% | 5,802 |
| Loan and lease loss provision to assets | 0.3450% | 1,906 |
| Net operating income to assets | 1.1335% | 1,936 |
| Return on assets (ROA) | 1.3380% | 1,496 |
| Pretax return on assets | 2.0321% | 653 |
| Return on Equity (ROE) | 13.9062% | 1,146 |
| Retained earnings to average equity (ytd only) | 13.1619% | 422 |
| Net charge-offs to loans | 0.5150% | 2,042 |
| Credit loss provision to net charge-offs | 132.1900% | 2,076 |
| Earnings coverage of net charge-offs (x) | 7.9208% | 2,391 |
| Efficiency ratio | 52.4323% | 6,466 |
| Assets per employee ($millions) | 5.8245% | 1,353 |
| Cash dividends to net income (ytd only)* | 5.3525% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6028% | 1,149 |
| Loan loss allowance to noncurrent loans | 65.6980% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 3.0399% | 1,809 |
| Noncurrent loans to loans | 3.9617% | 1,401 |
| Net loans and leases to total assets | 47.8445% | 5,628 |
| Net loans and leases to deposits | 55.2681% | 5,735 |
| Net loans and leases to core deposits | 60.4177% | 5,553 |
| Total domestic deposits to total assets | 86.5680% | 3,034 |
| Equity capital to assets | 9.7751% | 4,661 |
| Core capital (leverage) ratio | 9.5960% | 4,006 |
| Tier 1 risk-based capital ratio | 15.8798% | 3,219 |
| Total risk-based capital ratio | 17.1411% | 3,190 |
| Memoranda: | ||
| Average total assets | $290,432,330 | 2,225 |
| Average earning assets | $258,038,330 | 2,278 |
| Average equity | $27,944,330 | 2,400 |
| Average total loans | $147,176,670 | 2,652 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4055% | 899 |
| Cost of funding earning assets | 1.4139% | 410 |
| Net interest margin | 3.9916% | 2,544 |
| Noninterest income to average assets | 0.6548% | 2,903 |
| Noninterest expense to average assets | 2.2833% | 5,812 |
| Loan and lease loss provision to assets | 0.1881% | 3,079 |
| Net operating income to assets | 1.2266% | 1,665 |
| Return on assets (ROA) | 1.5589% | 1,033 |
| Pretax return on assets | 2.2067% | 532 |
| Return on Equity (ROE) | 16.3370% | 759 |
| Retained earnings to average equity (ytd only) | 14.8186% | 468 |
| Net charge-offs to loans | 0.8173% | 1,257 |
| Credit loss provision to net charge-offs | 44.7020% | 3,368 |
| Earnings coverage of net charge-offs (x) | 4.5795% | 2,551 |
| Efficiency ratio | 54.2356% | 6,320 |
| Assets per employee ($millions) | 5.6939% | 1,529 |
| Cash dividends to net income (ytd only)* | 9.2940% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3640% | 1,566 |
| Loan loss allowance to noncurrent loans | 66.9146% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 2.6558% | 2,223 |
| Noncurrent loans to loans | 3.5328% | 1,759 |
| Net loans and leases to total assets | 49.9086% | 5,316 |
| Net loans and leases to deposits | 57.6021% | 5,427 |
| Net loans and leases to core deposits | 64.5686% | 5,053 |
| Total domestic deposits to total assets | 86.6437% | 3,154 |
| Equity capital to assets | 9.6051% | 4,645 |
| Core capital (leverage) ratio | 9.4374% | 4,141 |
| Tier 1 risk-based capital ratio | 16.8488% | 2,739 |
| Total risk-based capital ratio | 18.1103% | 2,688 |
| Memoranda: | ||
| Average total assets | $287,122,500 | 2,267 |
| Average earning assets | $255,737,500 | 2,318 |
| Average equity | $27,398,000 | 2,444 |
| Average total loans | $147,804,500 | 2,665 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5113% | 1,142 |
| Cost of funding earning assets | 1.7336% | 284 |
| Net interest margin | 3.7777% | 3,936 |
| Noninterest income to average assets | 0.7748% | 2,201 |
| Noninterest expense to average assets | 2.2759% | 6,101 |
| Loan and lease loss provision to assets | 0.6526% | 1,558 |
| Net operating income to assets | 0.9184% | 2,530 |
| Return on assets (ROA) | 0.9929% | 2,368 |
| Pretax return on assets | 1.3701% | 1,878 |
| Return on Equity (ROE) | 10.9019% | 1,725 |
| Retained earnings to average equity (ytd only) | 9.2170% | 744 |
| Net charge-offs to loans | 0.4752% | 3,093 |
| Credit loss provision to net charge-offs | 258.8489% | 931 |
| Earnings coverage of net charge-offs (x) | 7.6129% | 2,306 |
| Efficiency ratio | 54.2499% | 6,486 |
| Assets per employee ($millions) | 5.4588% | 1,685 |
| Cash dividends to net income (ytd only)* | 15.4549% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4971% | 1,318 |
| Loan loss allowance to noncurrent loans | 76.1185% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 2.4808% | 2,451 |
| Noncurrent loans to loans | 3.2805% | 1,972 |
| Net loans and leases to total assets | 50.5524% | 5,520 |
| Net loans and leases to deposits | 58.2332% | 5,675 |
| Net loans and leases to core deposits | 65.4171% | 5,333 |
| Total domestic deposits to total assets | 86.8103% | 2,870 |
| Equity capital to assets | 9.4780% | 4,917 |
| Core capital (leverage) ratio | 9.1715% | 4,513 |
| Tier 1 risk-based capital ratio | 16.5149% | 2,815 |
| Total risk-based capital ratio | 17.7782% | 2,774 |
| Memoranda: | ||
| Average total assets | $275,667,400 | 2,299 |
| Average earning assets | $249,594,400 | 2,308 |
| Average equity | $25,105,800 | 2,571 |
| Average total loans | $146,265,400 | 2,695 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5117% | 1,220 |
| Cost of funding earning assets | 1.8036% | 256 |
| Net interest margin | 3.7081% | 4,299 |
| Noninterest income to average assets | 0.8113% | 1,999 |
| Noninterest expense to average assets | 2.2157% | 6,237 |
| Loan and lease loss provision to assets | 0.5652% | 1,737 |
| Net operating income to assets | 0.9292% | 2,625 |
| Return on assets (ROA) | 1.0228% | 2,402 |
| Pretax return on assets | 1.5393% | 1,547 |
| Return on Equity (ROE) | 11.3505% | 1,742 |
| Retained earnings to average equity (ytd only) | 9.6309% | 945 |
| Net charge-offs to loans | 0.5971% | 2,470 |
| Credit loss provision to net charge-offs | 177.3700% | 1,678 |
| Earnings coverage of net charge-offs (x) | 6.1590% | 2,606 |
| Efficiency ratio | 53.0262% | 6,592 |
| Assets per employee ($millions) | 5.5006% | 1,598 |
| Cash dividends to net income (ytd only)* | 15.1501% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1080% | 2,048 |
| Loan loss allowance to noncurrent loans | 72.2875% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 2.4679% | 2,607 |
| Noncurrent loans to loans | 2.9162% | 2,391 |
| Net loans and leases to total assets | 49.9726% | 5,708 |
| Net loans and leases to deposits | 57.5288% | 5,886 |
| Net loans and leases to core deposits | 64.6144% | 5,553 |
| Total domestic deposits to total assets | 86.8653% | 2,733 |
| Equity capital to assets | 9.3316% | 5,330 |
| Core capital (leverage) ratio | 9.0051% | 4,918 |
| Tier 1 risk-based capital ratio | 16.1947% | 3,017 |
| Total risk-based capital ratio | 17.4538% | 2,976 |
| Memoranda: | ||
| Average total assets | $273,619,750 | 2,330 |
| Average earning assets | $248,458,000 | 2,332 |
| Average equity | $24,656,250 | 2,617 |
| Average total loans | $146,038,750 | 2,716 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5388% | 1,211 |
| Cost of funding earning assets | 1.8701% | 239 |
| Net interest margin | 3.6687% | 4,419 |
| Noninterest income to average assets | 0.8386% | 1,847 |
| Noninterest expense to average assets | 2.2532% | 6,235 |
| Loan and lease loss provision to assets | 0.2271% | 3,646 |
| Net operating income to assets | 1.1510% | 1,714 |
| Return on assets (ROA) | 1.2698% | 1,462 |
| Pretax return on assets | 1.8398% | 811 |
| Return on Equity (ROE) | 14.2714% | 925 |
| Retained earnings to average equity (ytd only) | 12.5115% | 456 |
| Net charge-offs to loans | 0.4492% | 2,781 |
| Credit loss provision to net charge-offs | 93.2927% | 3,368 |
| Earnings coverage of net charge-offs (x) | 7.7835% | 2,168 |
| Efficiency ratio | 54.3210% | 6,593 |
| Assets per employee ($millions) | 5.1161% | 1,974 |
| Cash dividends to net income (ytd only)* | 12.3320% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 3,148 |
| Loan loss allowance to noncurrent loans | 47.6013% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 2.9546% | 2,268 |
| Noncurrent loans to loans | 3.6781% | 1,911 |
| Net loans and leases to total assets | 50.8542% | 5,711 |
| Net loans and leases to deposits | 58.3284% | 5,899 |
| Net loans and leases to core deposits | 65.1003% | 5,600 |
| Total domestic deposits to total assets | 87.1860% | 2,633 |
| Equity capital to assets | 9.0082% | 5,568 |
| Core capital (leverage) ratio | 9.1362% | 4,509 |
| Tier 1 risk-based capital ratio | 15.9983% | 2,978 |
| Total risk-based capital ratio | 17.2515% | 2,942 |
| Memoranda: | ||
| Average total assets | $269,483,330 | 2,373 |
| Average earning assets | $243,085,000 | 2,390 |
| Average equity | $23,978,000 | 2,663 |
| Average total loans | $146,047,000 | 2,744 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5688% | 1,128 |
| Cost of funding earning assets | 1.9262% | 223 |
| Net interest margin | 3.6426% | 4,361 |
| Noninterest income to average assets | 1.1809% | 920 |
| Noninterest expense to average assets | 2.1933% | 6,439 |
| Loan and lease loss provision to assets | 0.1336% | 4,336 |
| Net operating income to assets | 1.4342% | 1,010 |
| Return on assets (ROA) | 1.6499% | 660 |
| Pretax return on assets | 2.4407% | 266 |
| Return on Equity (ROE) | 18.6666% | 425 |
| Retained earnings to average equity (ytd only) | 16.8634% | 288 |
| Net charge-offs to loans | 0.3063% | 2,818 |
| Credit loss provision to net charge-offs | 78.5714% | 3,190 |
| Earnings coverage of net charge-offs (x) | 13.2768% | 1,448 |
| Efficiency ratio | 49.2838% | 7,045 |
| Assets per employee ($millions) | 5.3083% | 1,758 |
| Cash dividends to net income (ytd only)* | 9.6596% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 3,173 |
| Loan loss allowance to noncurrent loans | 66.7715% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.8782% | 2,396 |
| Noncurrent loans to loans | 2.6215% | 2,878 |
| Net loans and leases to total assets | 52.8285% | 5,483 |
| Net loans and leases to deposits | 60.8205% | 5,638 |
| Net loans and leases to core deposits | 67.9960% | 5,289 |
| Total domestic deposits to total assets | 86.8597% | 3,018 |
| Equity capital to assets | 8.8618% | 5,406 |
| Core capital (leverage) ratio | 9.4057% | 3,954 |
| Tier 1 risk-based capital ratio | 15.7606% | 3,019 |
| Total risk-based capital ratio | 17.0156% | 2,979 |
| Memoranda: | ||
| Average total assets | $263,531,500 | 2,442 |
| Average earning assets | $236,534,000 | 2,477 |
| Average equity | $23,293,000 | 2,713 |
| Average total loans | $146,247,000 | 2,770 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1868% | 583 |
| Cost of funding earning assets | 2.0257% | 552 |
| Net interest margin | 4.1610% | 2,322 |
| Noninterest income to average assets | 0.9290% | 1,744 |
| Noninterest expense to average assets | 2.6505% | 5,215 |
| Loan and lease loss provision to assets | 0.5100% | 3,114 |
| Net operating income to assets | 1.0760% | 1,773 |
| Return on assets (ROA) | 1.1563% | 1,608 |
| Pretax return on assets | 1.7122% | 917 |
| Return on Equity (ROE) | 11.5229% | 1,443 |
| Retained earnings to average equity (ytd only) | 10.3102% | 465 |
| Net charge-offs to loans | 0.7499% | 2,764 |
| Credit loss provision to net charge-offs | 107.4178% | 4,134 |
| Earnings coverage of net charge-offs (x) | 4.4319% | 2,925 |
| Efficiency ratio | 55.7472% | 6,625 |
| Assets per employee ($millions) | 5.1268% | 1,981 |
| Cash dividends to net income (ytd only)* | 10.5243% | 3,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 3,026 |
| Loan loss allowance to noncurrent loans | 75.5360% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 2.6430% | 2,631 |
| Noncurrent loans to loans | 2.3175% | 3,200 |
| Net loans and leases to total assets | 56.3139% | 5,292 |
| Net loans and leases to deposits | 65.3712% | 5,470 |
| Net loans and leases to core deposits | 73.2549% | 5,074 |
| Total domestic deposits to total assets | 86.1449% | 3,281 |
| Equity capital to assets | 8.8145% | 5,411 |
| Core capital (leverage) ratio | 10.0846% | 2,986 |
| Tier 1 risk-based capital ratio | 15.3434% | 3,074 |
| Total risk-based capital ratio | 16.5985% | 3,030 |
| Memoranda: | ||
| Average total assets | $224,332,400 | 2,818 |
| Average earning assets | $206,247,000 | 2,794 |
| Average equity | $22,511,600 | 2,823 |
| Average total loans | $142,026,600 | 2,903 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3459% | 463 |
| Cost of funding earning assets | 2.0878% | 564 |
| Net interest margin | 4.2581% | 2,003 |
| Noninterest income to average assets | 0.9824% | 1,514 |
| Noninterest expense to average assets | 2.7279% | 4,764 |
| Loan and lease loss provision to assets | 0.5035% | 2,942 |
| Net operating income to assets | 1.1226% | 1,817 |
| Return on assets (ROA) | 1.1994% | 1,676 |
| Pretax return on assets | 1.7787% | 962 |
| Return on Equity (ROE) | 11.5363% | 1,637 |
| Retained earnings to average equity (ytd only) | 10.5463% | 675 |
| Net charge-offs to loans | 0.7566% | 2,533 |
| Credit loss provision to net charge-offs | 102.2528% | 4,214 |
| Earnings coverage of net charge-offs (x) | 4.4017% | 3,066 |
| Efficiency ratio | 55.7220% | 6,599 |
| Assets per employee ($millions) | 4.4518% | 2,979 |
| Cash dividends to net income (ytd only)* | 8.5817% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 2,995 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 3.1587% | 2,280 |
| Noncurrent loans to loans | 2.9168% | 2,737 |
| Net loans and leases to total assets | 63.3314% | 4,248 |
| Net loans and leases to deposits | 74.8920% | 4,361 |
| Net loans and leases to core deposits | 85.4592% | 3,736 |
| Total domestic deposits to total assets | 84.5636% | 3,845 |
| Equity capital to assets | 10.6163% | 3,392 |
| Core capital (leverage) ratio | 10.4655% | 2,720 |
| Tier 1 risk-based capital ratio | 15.9572% | 2,785 |
| Total risk-based capital ratio | 17.2134% | 2,727 |
| Memoranda: | ||
| Average total assets | $216,331,000 | 2,957 |
| Average earning assets | $198,799,750 | 2,942 |
| Average equity | $22,490,750 | 2,865 |
| Average total loans | $140,801,750 | 2,967 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3711% | 437 |
| Cost of funding earning assets | 2.1133% | 630 |
| Net interest margin | 4.2579% | 1,927 |
| Noninterest income to average assets | 0.9905% | 1,403 |
| Noninterest expense to average assets | 2.7697% | 4,623 |
| Loan and lease loss provision to assets | 0.3025% | 3,977 |
| Net operating income to assets | 1.2342% | 1,466 |
| Return on assets (ROA) | 1.3405% | 1,287 |
| Pretax return on assets | 2.0061% | 600 |
| Return on Equity (ROE) | 12.9892% | 1,243 |
| Retained earnings to average equity (ytd only) | 12.0304% | 484 |
| Net charge-offs to loans | 0.4346% | 3,249 |
| Credit loss provision to net charge-offs | 106.5789% | 3,829 |
| Earnings coverage of net charge-offs (x) | 7.5757% | 2,279 |
| Efficiency ratio | 56.2998% | 6,603 |
| Assets per employee ($millions) | 4.4074% | 3,041 |
| Cash dividends to net income (ytd only)* | 7.3816% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 2,908 |
| Loan loss allowance to noncurrent loans | 57.8499% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 3.2719% | 2,153 |
| Noncurrent loans to loans | 3.0214% | 2,663 |
| Net loans and leases to total assets | 65.4097% | 3,960 |
| Net loans and leases to deposits | 78.7574% | 3,840 |
| Net loans and leases to core deposits | 89.6087% | 3,329 |
| Total domestic deposits to total assets | 83.0521% | 4,548 |
| Equity capital to assets | 10.5745% | 3,319 |
| Core capital (leverage) ratio | 10.4829% | 2,643 |
| Tier 1 risk-based capital ratio | 15.6339% | 2,833 |
| Total risk-based capital ratio | 16.8898% | 2,795 |
| Memoranda: | ||
| Average total assets | $214,244,330 | 3,005 |
| Average earning assets | $197,704,670 | 2,980 |
| Average equity | $22,110,670 | 2,911 |
| Average total loans | $139,908,670 | 3,016 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3873% | 448 |
| Cost of funding earning assets | 2.1631% | 664 |
| Net interest margin | 4.2242% | 1,950 |
| Noninterest income to average assets | 0.8904% | 1,665 |
| Noninterest expense to average assets | 2.8043% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3365% | 1,209 |
| Return on assets (ROA) | 1.4640% | 1,027 |
| Pretax return on assets | 2.1538% | 455 |
| Return on Equity (ROE) | 14.3649% | 980 |
| Retained earnings to average equity (ytd only) | 14.3649% | 465 |
| Net charge-offs to loans | 0.2812% | 3,286 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 10.8144% | 1,710 |
| Efficiency ratio | 58.7819% | 6,366 |
| Assets per employee ($millions) | 4.5955% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 2,984 |
| Loan loss allowance to noncurrent loans | 57.2658% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 2.9317% | 2,445 |
| Noncurrent loans to loans | 3.0065% | 2,666 |
| Net loans and leases to total assets | 63.3237% | 4,464 |
| Net loans and leases to deposits | 74.9147% | 4,603 |
| Net loans and leases to core deposits | 86.4397% | 3,831 |
| Total domestic deposits to total assets | 84.5278% | 3,882 |
| Equity capital to assets | 10.2844% | 3,493 |
| Core capital (leverage) ratio | 10.3386% | 2,772 |
| Tier 1 risk-based capital ratio | 15.5581% | 2,847 |
| Total risk-based capital ratio | 16.8137% | 2,785 |
| Memoranda: | ||
| Average total assets | $213,385,500 | 3,065 |
| Average earning assets | $196,014,000 | 3,046 |
| Average equity | $21,747,500 | 2,973 |
| Average total loans | $137,976,500 | 3,108 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7230% | 443 |
| Cost of funding earning assets | 2.5690% | 852 |
| Net interest margin | 4.1539% | 2,235 |
| Noninterest income to average assets | 0.9651% | 1,683 |
| Noninterest expense to average assets | 2.7597% | 5,124 |
| Loan and lease loss provision to assets | 1.0117% | 2,256 |
| Net operating income to assets | 0.7696% | 2,638 |
| Return on assets (ROA) | 0.6469% | 3,205 |
| Pretax return on assets | 0.8688% | 3,020 |
| Return on Equity (ROE) | 6.6133% | 2,947 |
| Retained earnings to average equity (ytd only) | 6.6133% | 1,116 |
| Net charge-offs to loans | 0.6278% | 3,322 |
| Credit loss provision to net charge-offs | 245.2467% | 1,452 |
| Earnings coverage of net charge-offs (x) | 4.9603% | 2,738 |
| Efficiency ratio | 57.4218% | 6,844 |
| Assets per employee ($millions) | 4.3913% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 2,475 |
| Loan loss allowance to noncurrent loans | 50.4656% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 3.1098% | 2,230 |
| Noncurrent loans to loans | 3.6115% | 2,087 |
| Net loans and leases to total assets | 63.7112% | 4,650 |
| Net loans and leases to deposits | 75.2173% | 4,851 |
| Net loans and leases to core deposits | 121.1462% | 1,868 |
| Total domestic deposits to total assets | 84.7028% | 3,708 |
| Equity capital to assets | 10.0966% | 3,621 |
| Core capital (leverage) ratio | 10.1414% | 2,961 |
| Tier 1 risk-based capital ratio | 15.2888% | 2,803 |
| Total risk-based capital ratio | 16.5457% | 2,758 |
| Memoranda: | ||
| Average total assets | $201,436,800 | 3,167 |
| Average earning assets | $186,256,800 | 3,140 |
| Average equity | $19,702,800 | 3,248 |
| Average total loans | $132,357,200 | 3,223 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7743% | 443 |
| Cost of funding earning assets | 2.6411% | 928 |
| Net interest margin | 4.1332% | 2,275 |
| Noninterest income to average assets | 0.9275% | 1,871 |
| Noninterest expense to average assets | 2.7798% | 4,976 |
| Loan and lease loss provision to assets | 0.6248% | 2,892 |
| Net operating income to assets | 0.8209% | 2,720 |
| Return on assets (ROA) | 0.6315% | 3,558 |
| Pretax return on assets | 1.0447% | 2,756 |
| Return on Equity (ROE) | 6.5118% | 3,293 |
| Retained earnings to average equity (ytd only) | 6.5118% | 1,702 |
| Net charge-offs to loans | 0.4937% | 3,252 |
| Credit loss provision to net charge-offs | 191.9753% | 2,359 |
| Earnings coverage of net charge-offs (x) | 6.0391% | 2,679 |
| Efficiency ratio | 58.5803% | 6,633 |
| Assets per employee ($millions) | 4.4344% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 4,497 |
| Loan loss allowance to noncurrent loans | 37.8632% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 2.9877% | 2,320 |
| Noncurrent loans to loans | 3.4339% | 2,180 |
| Net loans and leases to total assets | 63.1200% | 5,049 |
| Net loans and leases to deposits | 74.4800% | 5,296 |
| Net loans and leases to core deposits | 122.4818% | 2,032 |
| Total domestic deposits to total assets | 84.7476% | 3,346 |
| Equity capital to assets | 10.0917% | 3,969 |
| Core capital (leverage) ratio | 10.0893% | 3,187 |
| Tier 1 risk-based capital ratio | 15.4155% | 2,859 |
| Total risk-based capital ratio | 16.6656% | 2,802 |
| Memoranda: | ||
| Average total assets | $199,100,000 | 3,213 |
| Average earning assets | $183,905,250 | 3,192 |
| Average equity | $19,308,000 | 3,340 |
| Average total loans | $131,250,000 | 3,275 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9338% | 358 |
| Cost of funding earning assets | 2.6975% | 1,032 |
| Net interest margin | 4.2363% | 1,857 |
| Noninterest income to average assets | 0.9643% | 1,716 |
| Noninterest expense to average assets | 2.7736% | 5,074 |
| Loan and lease loss provision to assets | 0.6837% | 2,378 |
| Net operating income to assets | 0.8034% | 2,841 |
| Return on assets (ROA) | 0.5337% | 4,075 |
| Pretax return on assets | 0.9990% | 3,019 |
| Return on Equity (ROE) | 5.5837% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.5837% | 2,211 |
| Net charge-offs to loans | 0.3324% | 3,518 |
| Credit loss provision to net charge-offs | 308.7558% | 1,507 |
| Earnings coverage of net charge-offs (x) | 9.5023% | 2,121 |
| Efficiency ratio | 56.8619% | 7,011 |
| Assets per employee ($millions) | 4.6421% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 4,266 |
| Loan loss allowance to noncurrent loans | 38.8690% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 3.0144% | 2,106 |
| Noncurrent loans to loans | 3.3457% | 2,105 |
| Net loans and leases to total assets | 64.6186% | 4,853 |
| Net loans and leases to deposits | 76.0297% | 5,171 |
| Net loans and leases to core deposits | 124.2022% | 2,006 |
| Total domestic deposits to total assets | 84.9912% | 3,262 |
| Equity capital to assets | 9.7286% | 4,306 |
| Core capital (leverage) ratio | 10.0605% | 3,227 |
| Tier 1 risk-based capital ratio | 15.0407% | 3,002 |
| Total risk-based capital ratio | 16.2912% | 2,936 |
| Memoranda: | ||
| Average total assets | $195,993,670 | 3,268 |
| Average earning assets | $181,055,330 | 3,245 |
| Average equity | $18,733,000 | 3,434 |
| Average total loans | $130,571,000 | 3,325 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0655% | 302 |
| Cost of funding earning assets | 2.7596% | 1,086 |
| Net interest margin | 4.3060% | 1,586 |
| Noninterest income to average assets | 0.9006% | 1,850 |
| Noninterest expense to average assets | 2.5956% | 5,470 |
| Loan and lease loss provision to assets | 1.0716% | 1,223 |
| Net operating income to assets | 0.5111% | 4,366 |
| Return on assets (ROA) | 0.5858% | 4,268 |
| Pretax return on assets | 1.3093% | 2,250 |
| Return on Equity (ROE) | 6.1881% | 3,962 |
| Retained earnings to average equity (ytd only) | 6.1881% | 2,550 |
| Net charge-offs to loans | 0.3442% | 2,708 |
| Credit loss provision to net charge-offs | 463.0631% | 1,149 |
| Earnings coverage of net charge-offs (x) | 9.7838% | 2,023 |
| Efficiency ratio | 53.4106% | 7,277 |
| Assets per employee ($millions) | 4.7311% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 4,070 |
| Loan loss allowance to noncurrent loans | 106.3602% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.3532% | 3,958 |
| Noncurrent loans to loans | 1.2232% | 4,525 |
| Net loans and leases to total assets | 64.4856% | 4,903 |
| Net loans and leases to deposits | 76.2146% | 5,190 |
| Net loans and leases to core deposits | 125.1837% | 1,981 |
| Total domestic deposits to total assets | 84.6106% | 3,412 |
| Equity capital to assets | 9.9327% | 4,073 |
| Core capital (leverage) ratio | 10.5319% | 2,885 |
| Tier 1 risk-based capital ratio | 15.3348% | 2,920 |
| Total risk-based capital ratio | 16.5848% | 2,858 |
| Memoranda: | ||
| Average total assets | $191,863,500 | 3,336 |
| Average earning assets | $176,405,500 | 3,333 |
| Average equity | $18,164,000 | 3,547 |
| Average total loans | $128,994,000 | 3,384 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2065% | 731 |
| Cost of funding earning assets | 3.0326% | 1,741 |
| Net interest margin | 4.1739% | 2,422 |
| Noninterest income to average assets | 0.9822% | 1,640 |
| Noninterest expense to average assets | 2.6554% | 5,425 |
| Loan and lease loss provision to assets | 0.1820% | 5,076 |
| Net operating income to assets | 1.3999% | 1,231 |
| Return on assets (ROA) | 1.4060% | 1,172 |
| Pretax return on assets | 2.1011% | 483 |
| Return on Equity (ROE) | 15.6427% | 826 |
| Retained earnings to average equity (ytd only) | 11.9646% | 228 |
| Net charge-offs to loans | 0.1721% | 4,480 |
| Credit loss provision to net charge-offs | 154.0670% | 3,387 |
| Earnings coverage of net charge-offs (x) | 19.2536% | 1,642 |
| Efficiency ratio | 53.8691% | 7,276 |
| Assets per employee ($millions) | 4.5127% | 2,595 |
| Cash dividends to net income (ytd only)* | 23.5129% | 4,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 6,019 |
| Loan loss allowance to noncurrent loans | 87.4830% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.3707% | 3,447 |
| Noncurrent loans to loans | 1.1470% | 4,250 |
| Net loans and leases to total assets | 68.5740% | 4,347 |
| Net loans and leases to deposits | 81.5162% | 4,793 |
| Net loans and leases to core deposits | 130.1162% | 1,842 |
| Total domestic deposits to total assets | 84.1233% | 3,261 |
| Equity capital to assets | 8.9672% | 5,411 |
| Core capital (leverage) ratio | 9.5005% | 4,015 |
| Tier 1 risk-based capital ratio | 13.4723% | 3,840 |
| Total risk-based capital ratio | 14.4790% | 3,890 |
| Memoranda: | ||
| Average total assets | $176,958,400 | 3,448 |
| Average earning assets | $167,349,200 | 3,369 |
| Average equity | $15,905,200 | 3,946 |
| Average total loans | $121,413,400 | 3,434 |