Home > Arrowhead Bank > Performance and Condition Ratios
Arrowhead Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 3,021 |
| Cost of funding earning assets | 0.5884% | 4,087 |
| Net interest margin | 3.9561% | 1,273 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.3546% | 2,710 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.7153% | 716 |
| Return on assets (ROA) | 1.7153% | 683 |
| Pretax return on assets | 1.7153% | 1,037 |
| Return on Equity (ROE) | 26.6100% | 263 |
| Retained earnings to average equity (ytd only) | 13.9736% | 402 |
| Net charge-offs to loans | 0.0188% | 1,980 |
| Credit loss provision to net charge-offs | -48.3871% | 4,459 |
| Earnings coverage of net charge-offs (x) | 166.2258% | 667 |
| Efficiency ratio | 57.3745% | 3,358 |
| Assets per employee ($millions) | 5.5509% | 3,205 |
| Cash dividends to net income (ytd only)* | 47.4965% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 3,690 |
| Loan loss allowance to noncurrent loans | 38,875.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 3,849 |
| Noncurrent loans to loans | 0.0023% | 3,787 |
| Net loans and leases to total assets | 57.8500% | 3,052 |
| Net loans and leases to deposits | 62.6530% | 3,372 |
| Net loans and leases to core deposits | 69.1847% | 3,351 |
| Total domestic deposits to total assets | 92.3400% | 256 |
| Equity capital to assets | 7.4892% | 3,721 |
| Core capital (leverage) ratio | 9.5571% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7093% | 965 |
| Memoranda: | ||
| Average total assets | $294,576,200 | 2,449 |
| Average earning assets | $283,156,800 | 2,395 |
| Average equity | $18,985,800 | 2,942 |
| Average total loans | $164,812,200 | 2,559 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 3,052 |
| Cost of funding earning assets | 0.5101% | 4,122 |
| Net interest margin | 3.9148% | 1,368 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.2176% | 3,032 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7922% | 681 |
| Return on assets (ROA) | 1.7922% | 671 |
| Pretax return on assets | 1.7922% | 1,019 |
| Return on Equity (ROE) | 28.9800% | 247 |
| Retained earnings to average equity (ytd only) | 15.8103% | 478 |
| Net charge-offs to loans | 0.0253% | 1,567 |
| Credit loss provision to net charge-offs | -48.3871% | 4,503 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 798 |
| Efficiency ratio | 54.6865% | 3,528 |
| Assets per employee ($millions) | 5.3129% | 3,339 |
| Cash dividends to net income (ytd only)* | 45.4431% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 3,602 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.2700% | 3,007 |
| Net loans and leases to deposits | 62.6603% | 3,361 |
| Net loans and leases to core deposits | 67.1213% | 3,370 |
| Total domestic deposits to total assets | 92.9900% | 304 |
| Equity capital to assets | 6.8808% | 3,673 |
| Core capital (leverage) ratio | 9.3573% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2349% | 914 |
| Memoranda: | ||
| Average total assets | $294,670,750 | 2,451 |
| Average earning assets | $283,361,250 | 2,394 |
| Average equity | $18,224,000 | 2,985 |
| Average total loans | $163,076,000 | 2,583 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 3,202 |
| Cost of funding earning assets | 0.4178% | 4,135 |
| Net interest margin | 3.8294% | 1,563 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.2620% | 2,912 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.6848% | 810 |
| Return on assets (ROA) | 1.6848% | 813 |
| Pretax return on assets | 1.6848% | 1,247 |
| Return on Equity (ROE) | 28.2400% | 258 |
| Retained earnings to average equity (ytd only) | 15.3472% | 534 |
| Net charge-offs to loans | 0.0382% | 1,145 |
| Credit loss provision to net charge-offs | -290.3226% | 4,579 |
| Earnings coverage of net charge-offs (x) | 82.0645% | 1,037 |
| Efficiency ratio | 57.0705% | 3,294 |
| Assets per employee ($millions) | 5.0633% | 3,542 |
| Cash dividends to net income (ytd only)* | 45.6530% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 3,715 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 54.2700% | 3,254 |
| Net loans and leases to deposits | 58.0314% | 3,534 |
| Net loans and leases to core deposits | 61.4557% | 3,560 |
| Total domestic deposits to total assets | 93.5200% | 184 |
| Equity capital to assets | 6.3840% | 4,042 |
| Core capital (leverage) ratio | 8.9721% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5138% | 1,033 |
| Memoranda: | ||
| Average total assets | $299,033,667 | 2,443 |
| Average earning assets | $287,197,667 | 2,386 |
| Average equity | $17,840,333 | 3,031 |
| Average total loans | $162,224,333 | 2,580 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 3,246 |
| Cost of funding earning assets | 0.3433% | 4,098 |
| Net interest margin | 3.7623% | 1,761 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.2591% | 2,933 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.5936% | 994 |
| Return on assets (ROA) | 1.5936% | 993 |
| Pretax return on assets | 1.5936% | 1,475 |
| Return on Equity (ROE) | 27.6500% | 307 |
| Retained earnings to average equity (ytd only) | 15.0001% | 799 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.1372% | 3,179 |
| Assets per employee ($millions) | 5.6067% | 3,110 |
| Cash dividends to net income (ytd only)* | 45.7571% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 3,753 |
| Loan loss allowance to noncurrent loans | 25,183.3333% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 3,902 |
| Noncurrent loans to loans | 0.0037% | 3,828 |
| Net loans and leases to total assets | 53.7200% | 3,223 |
| Net loans and leases to deposits | 57.2461% | 3,490 |
| Net loans and leases to core deposits | 59.2608% | 3,576 |
| Total domestic deposits to total assets | 93.8500% | 185 |
| Equity capital to assets | 6.0975% | 4,167 |
| Core capital (leverage) ratio | 8.4225% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9243% | 1,164 |
| Memoranda: | ||
| Average total assets | $301,715,500 | 2,464 |
| Average earning assets | $288,975,500 | 2,402 |
| Average equity | $17,386,500 | 3,099 |
| Average total loans | $162,909,000 | 2,602 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3247% | 3,528 |
| Cost of funding earning assets | 0.0940% | 4,416 |
| Net interest margin | 3.2307% | 2,764 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.1784% | 3,078 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.2886% | 1,473 |
| Return on assets (ROA) | 1.2886% | 1,431 |
| Pretax return on assets | 1.2886% | 2,127 |
| Return on Equity (ROE) | 20.4500% | 436 |
| Retained earnings to average equity (ytd only) | 10.7285% | 949 |
| Net charge-offs to loans | 0.0116% | 1,950 |
| Credit loss provision to net charge-offs | 1,388.8889% | 347 |
| Earnings coverage of net charge-offs (x) | 224.2778% | 599 |
| Efficiency ratio | 61.3277% | 2,869 |
| Assets per employee ($millions) | 6.0054% | 2,759 |
| Cash dividends to net income (ytd only)* | 47.5310% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 3,506 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 53.2400% | 3,263 |
| Net loans and leases to deposits | 56.3134% | 3,557 |
| Net loans and leases to core deposits | 58.2933% | 3,596 |
| Total domestic deposits to total assets | 94.5400% | 190 |
| Equity capital to assets | 5.4376% | 4,257 |
| Core capital (leverage) ratio | 8.1199% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0224% | 1,367 |
| Memoranda: | ||
| Average total assets | $293,882,600 | 2,482 |
| Average earning assets | $283,031,000 | 2,428 |
| Average equity | $18,520,800 | 3,073 |
| Average total loans | $155,151,400 | 2,591 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1207% | 3,628 |
| Cost of funding earning assets | 0.0745% | 4,460 |
| Net interest margin | 3.0462% | 3,095 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.9941% | 3,500 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.3375% | 1,245 |
| Return on assets (ROA) | 1.3375% | 1,223 |
| Pretax return on assets | 1.3375% | 1,930 |
| Return on Equity (ROE) | 20.4800% | 396 |
| Retained earnings to average equity (ytd only) | 10.6524% | 1,153 |
| Net charge-offs to loans | 0.0157% | 1,548 |
| Credit loss provision to net charge-offs | 1,138.8889% | 377 |
| Earnings coverage of net charge-offs (x) | 173.4444% | 676 |
| Efficiency ratio | 58.2118% | 3,362 |
| Assets per employee ($millions) | 6.0406% | 2,726 |
| Cash dividends to net income (ytd only)* | 47.9945% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 3,445 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 49.7000% | 3,483 |
| Net loans and leases to deposits | 52.4615% | 3,702 |
| Net loans and leases to core deposits | 54.2888% | 3,724 |
| Total domestic deposits to total assets | 94.7300% | 255 |
| Equity capital to assets | 5.2371% | 4,216 |
| Core capital (leverage) ratio | 7.9133% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8826% | 1,464 |
| Memoranda: | ||
| Average total assets | $290,784,000 | 2,512 |
| Average earning assets | $281,038,000 | 2,454 |
| Average equity | $18,987,500 | 3,080 |
| Average total loans | $152,772,750 | 2,607 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9645% | 3,645 |
| Cost of funding earning assets | 0.0580% | 4,544 |
| Net interest margin | 2.9065% | 3,150 |
| Noninterest income to average assets | 0.5880% | 1,791 |
| Noninterest expense to average assets | 2.0223% | 3,376 |
| Loan and lease loss provision to assets | 0.1017% | 980 |
| Net operating income to assets | 1.2792% | 1,196 |
| Return on assets (ROA) | 1.2792% | 1,183 |
| Pretax return on assets | 1.2792% | 1,814 |
| Return on Equity (ROE) | 18.2861% | 439 |
| Retained earnings to average equity (ytd only) | 9.2584% | 1,208 |
| Net charge-offs to loans | 0.0026% | 1,991 |
| Credit loss provision to net charge-offs | 7,250.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 984.0000% | 131 |
| Efficiency ratio | 59.4227% | 3,378 |
| Assets per employee ($millions) | 6.7008% | 2,171 |
| Cash dividends to net income (ytd only)* | 49.3692% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 3,543 |
| Loan loss allowance to noncurrent loans | 3,876.9231% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 3,896 |
| Noncurrent loans to loans | 0.0261% | 3,761 |
| Net loans and leases to total assets | 48.9766% | 3,467 |
| Net loans and leases to deposits | 52.0445% | 3,680 |
| Net loans and leases to core deposits | 54.0572% | 3,689 |
| Total domestic deposits to total assets | 94.1052% | 265 |
| Equity capital to assets | 5.8706% | 4,244 |
| Core capital (leverage) ratio | 8.1297% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8979% | 1,461 |
| Memoranda: | ||
| Average total assets | $285,022,333 | 2,562 |
| Average earning assets | $276,067,000 | 2,503 |
| Average equity | $19,938,667 | 3,079 |
| Average total loans | $152,144,667 | 2,620 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9507% | 3,397 |
| Cost of funding earning assets | 0.0522% | 4,586 |
| Net interest margin | 2.8984% | 2,845 |
| Noninterest income to average assets | 0.3194% | 3,186 |
| Noninterest expense to average assets | 1.9901% | 3,452 |
| Loan and lease loss provision to assets | 0.1084% | 768 |
| Net operating income to assets | 1.0290% | 1,765 |
| Return on assets (ROA) | 1.0290% | 1,754 |
| Pretax return on assets | 1.0290% | 2,354 |
| Return on Equity (ROE) | 13.5252% | 930 |
| Retained earnings to average equity (ytd only) | 6.8766% | 1,934 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6322% | 3,077 |
| Assets per employee ($millions) | 6.2189% | 2,618 |
| Cash dividends to net income (ytd only)* | 49.1573% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 3,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 53.7416% | 2,793 |
| Net loans and leases to deposits | 58.0244% | 3,076 |
| Net loans and leases to core deposits | 60.3558% | 3,112 |
| Total domestic deposits to total assets | 92.6190% | 373 |
| Equity capital to assets | 7.3492% | 4,020 |
| Core capital (leverage) ratio | 8.4065% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2467% | 1,438 |
| Memoranda: | ||
| Average total assets | $276,765,500 | 2,617 |
| Average earning assets | $268,143,500 | 2,565 |
| Average equity | $21,057,000 | 3,053 |
| Average total loans | $153,620,000 | 2,602 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1443% | 3,598 |
| Cost of funding earning assets | 0.0664% | 4,608 |
| Net interest margin | 3.0779% | 2,971 |
| Noninterest income to average assets | 0.3215% | 3,483 |
| Noninterest expense to average assets | 2.1961% | 3,100 |
| Loan and lease loss provision to assets | 0.0841% | 1,456 |
| Net operating income to assets | 0.9979% | 2,678 |
| Return on assets (ROA) | 0.9979% | 2,746 |
| Pretax return on assets | 0.9979% | 3,262 |
| Return on Equity (ROE) | 11.7045% | 1,916 |
| Retained earnings to average equity (ytd only) | 5.7398% | 2,461 |
| Net charge-offs to loans | 0.0194% | 1,889 |
| Credit loss provision to net charge-offs | 767.8571% | 619 |
| Earnings coverage of net charge-offs (x) | 98.7857% | 890 |
| Efficiency ratio | 66.9928% | 2,126 |
| Assets per employee ($millions) | 6.0818% | 2,685 |
| Cash dividends to net income (ytd only)* | 50.9604% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8810% | 4,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 2,773 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.2813% | 2,569 |
| Net loans and leases to deposits | 61.1104% | 2,980 |
| Net loans and leases to core deposits | 63.5553% | 3,026 |
| Total domestic deposits to total assets | 92.0977% | 156 |
| Equity capital to assets | 7.8731% | 4,432 |
| Core capital (leverage) ratio | 8.3826% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9045% | 1,547 |
| Memoranda: | ||
| Average total assets | $255,637,000 | 2,686 |
| Average earning assets | $245,553,200 | 2,647 |
| Average equity | $21,795,000 | 3,075 |
| Average total loans | $144,283,800 | 2,685 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1459% | 3,710 |
| Cost of funding earning assets | 0.0698% | 4,695 |
| Net interest margin | 3.0761% | 3,112 |
| Noninterest income to average assets | 0.3069% | 3,593 |
| Noninterest expense to average assets | 2.0733% | 3,445 |
| Loan and lease loss provision to assets | 0.1007% | 1,193 |
| Net operating income to assets | 1.0815% | 2,618 |
| Return on assets (ROA) | 1.0815% | 2,681 |
| Pretax return on assets | 1.0815% | 3,237 |
| Return on Equity (ROE) | 12.4259% | 1,893 |
| Retained earnings to average equity (ytd only) | 6.3258% | 2,684 |
| Net charge-offs to loans | 0.0273% | 1,499 |
| Credit loss provision to net charge-offs | 655.1724% | 671 |
| Earnings coverage of net charge-offs (x) | 76.7931% | 1,004 |
| Efficiency ratio | 63.6823% | 2,438 |
| Assets per employee ($millions) | 6.0731% | 2,620 |
| Cash dividends to net income (ytd only)* | 49.0918% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 4,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 3,010 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 52.4114% | 3,158 |
| Net loans and leases to deposits | 57.1231% | 3,480 |
| Net loans and leases to core deposits | 59.6058% | 3,497 |
| Total domestic deposits to total assets | 91.7516% | 178 |
| Equity capital to assets | 8.2012% | 4,406 |
| Core capital (leverage) ratio | 8.6660% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4237% | 1,511 |
| Memoranda: | ||
| Average total assets | $251,126,500 | 2,734 |
| Average earning assets | $240,732,750 | 2,699 |
| Average equity | $21,857,000 | 3,104 |
| Average total loans | $141,505,000 | 2,748 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2102% | 3,658 |
| Cost of funding earning assets | 0.0764% | 4,715 |
| Net interest margin | 3.1338% | 2,946 |
| Noninterest income to average assets | 0.3052% | 3,604 |
| Noninterest expense to average assets | 2.1178% | 3,339 |
| Loan and lease loss provision to assets | 0.0985% | 1,286 |
| Net operating income to assets | 1.0864% | 2,588 |
| Return on assets (ROA) | 1.0864% | 2,661 |
| Pretax return on assets | 1.0864% | 3,260 |
| Return on Equity (ROE) | 12.2187% | 1,973 |
| Retained earnings to average equity (ytd only) | 6.2201% | 2,720 |
| Net charge-offs to loans | 0.0399% | 1,233 |
| Credit loss provision to net charge-offs | 428.5714% | 732 |
| Earnings coverage of net charge-offs (x) | 51.5714% | 1,050 |
| Efficiency ratio | 64.1242% | 2,415 |
| Assets per employee ($millions) | 5.5879% | 3,030 |
| Cash dividends to net income (ytd only)* | 49.0937% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 4,154 |
| Loan loss allowance to noncurrent loans | 179.1842% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 2,544 |
| Noncurrent loans to loans | 0.5018% | 2,173 |
| Net loans and leases to total assets | 54.6261% | 3,059 |
| Net loans and leases to deposits | 59.7085% | 3,412 |
| Net loans and leases to core deposits | 62.3997% | 3,429 |
| Total domestic deposits to total assets | 91.4878% | 232 |
| Equity capital to assets | 8.4593% | 4,234 |
| Core capital (leverage) ratio | 8.8145% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5205% | 1,466 |
| Memoranda: | ||
| Average total assets | $243,739,333 | 2,783 |
| Average earning assets | $233,134,333 | 2,738 |
| Average equity | $21,671,667 | 3,116 |
| Average total loans | $140,481,000 | 2,775 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2499% | 3,576 |
| Cost of funding earning assets | 0.0886% | 4,707 |
| Net interest margin | 3.1613% | 2,807 |
| Noninterest income to average assets | 0.3071% | 3,573 |
| Noninterest expense to average assets | 2.2034% | 3,105 |
| Loan and lease loss provision to assets | 0.1265% | 1,084 |
| Net operating income to assets | 0.9870% | 2,846 |
| Return on assets (ROA) | 0.9870% | 2,944 |
| Pretax return on assets | 0.9870% | 3,412 |
| Return on Equity (ROE) | 10.8156% | 2,419 |
| Retained earnings to average equity (ytd only) | 5.2691% | 3,136 |
| Net charge-offs to loans | 0.1802% | 442 |
| Credit loss provision to net charge-offs | 119.0476% | 1,047 |
| Earnings coverage of net charge-offs (x) | 10.4762% | 1,495 |
| Efficiency ratio | 66.4293% | 2,167 |
| Assets per employee ($millions) | 5.9125% | 2,685 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 4,294 |
| Loan loss allowance to noncurrent loans | 147.5896% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 2,466 |
| Noncurrent loans to loans | 0.5762% | 2,127 |
| Net loans and leases to total assets | 57.4260% | 2,865 |
| Net loans and leases to deposits | 63.0762% | 3,215 |
| Net loans and leases to core deposits | 66.2242% | 3,222 |
| Total domestic deposits to total assets | 91.0421% | 385 |
| Equity capital to assets | 8.9183% | 3,764 |
| Core capital (leverage) ratio | 9.2507% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8485% | 1,348 |
| Memoranda: | ||
| Average total assets | $237,087,000 | 2,819 |
| Average earning assets | $225,732,500 | 2,774 |
| Average equity | $21,635,500 | 3,111 |
| Average total loans | $139,878,000 | 2,782 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 2,953 |
| Cost of funding earning assets | 0.1425% | 4,752 |
| Net interest margin | 3.7825% | 1,549 |
| Noninterest income to average assets | 0.3569% | 3,334 |
| Noninterest expense to average assets | 2.5216% | 2,780 |
| Loan and lease loss provision to assets | 0.1417% | 2,582 |
| Net operating income to assets | 1.2505% | 1,380 |
| Return on assets (ROA) | 1.2505% | 1,488 |
| Pretax return on assets | 1.2505% | 2,155 |
| Return on Equity (ROE) | 12.4029% | 1,206 |
| Retained earnings to average equity (ytd only) | 6.6851% | 1,515 |
| Net charge-offs to loans | -0.0023% | 4,002 |
| Credit loss provision to net charge-offs | -9,833.3333% | 4,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4286% | 2,749 |
| Assets per employee ($millions) | 5.2673% | 3,081 |
| Cash dividends to net income (ytd only)* | 46.1007% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 4,330 |
| Loan loss allowance to noncurrent loans | 562.8571% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 3,869 |
| Noncurrent loans to loans | 0.1507% | 3,680 |
| Net loans and leases to total assets | 59.6183% | 2,909 |
| Net loans and leases to deposits | 65.7981% | 3,294 |
| Net loans and leases to core deposits | 68.7317% | 3,353 |
| Total domestic deposits to total assets | 90.6080% | 333 |
| Equity capital to assets | 9.3424% | 3,753 |
| Core capital (leverage) ratio | 9.8347% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1408% | 1,228 |
| Memoranda: | ||
| Average total assets | $208,162,400 | 2,877 |
| Average earning assets | $195,745,400 | 2,867 |
| Average equity | $20,987,000 | 3,097 |
| Average total loans | $129,433,400 | 2,873 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 2,797 |
| Cost of funding earning assets | 0.1576% | 4,782 |
| Net interest margin | 3.9000% | 1,351 |
| Noninterest income to average assets | 0.3467% | 3,390 |
| Noninterest expense to average assets | 2.4390% | 3,028 |
| Loan and lease loss provision to assets | 0.1617% | 2,382 |
| Net operating income to assets | 1.4173% | 1,068 |
| Return on assets (ROA) | 1.4173% | 1,154 |
| Pretax return on assets | 1.4173% | 1,673 |
| Return on Equity (ROE) | 13.7680% | 924 |
| Retained earnings to average equity (ytd only) | 8.0046% | 1,301 |
| Net charge-offs to loans | -0.0021% | 3,890 |
| Credit loss provision to net charge-offs | -12,250.0000% | 4,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7055% | 3,274 |
| Assets per employee ($millions) | 4.8514% | 3,429 |
| Cash dividends to net income (ytd only)* | 41.8605% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 4,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 60.2796% | 3,200 |
| Net loans and leases to deposits | 67.0795% | 3,541 |
| Net loans and leases to core deposits | 70.1217% | 3,617 |
| Total domestic deposits to total assets | 89.8628% | 477 |
| Equity capital to assets | 10.0646% | 3,172 |
| Core capital (leverage) ratio | 10.1933% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0041% | 1,053 |
| Memoranda: | ||
| Average total assets | $202,262,750 | 2,902 |
| Average earning assets | $190,389,000 | 2,892 |
| Average equity | $20,820,750 | 3,110 |
| Average total loans | $126,953,250 | 2,906 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2401% | 2,634 |
| Cost of funding earning assets | 0.1832% | 4,800 |
| Net interest margin | 4.0569% | 1,204 |
| Noninterest income to average assets | 0.3415% | 3,428 |
| Noninterest expense to average assets | 2.5054% | 2,947 |
| Loan and lease loss provision to assets | 0.1713% | 2,293 |
| Net operating income to assets | 1.4577% | 1,004 |
| Return on assets (ROA) | 1.4577% | 1,090 |
| Pretax return on assets | 1.4577% | 1,564 |
| Return on Equity (ROE) | 14.0488% | 879 |
| Retained earnings to average equity (ytd only) | 8.2234% | 1,237 |
| Net charge-offs to loans | -0.0032% | 3,893 |
| Credit loss provision to net charge-offs | -8,500.0000% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5994% | 3,327 |
| Assets per employee ($millions) | 5.3072% | 2,829 |
| Cash dividends to net income (ytd only)* | 41.4651% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 4,203 |
| Loan loss allowance to noncurrent loans | 7,040.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 4,549 |
| Noncurrent loans to loans | 0.0120% | 4,465 |
| Net loans and leases to total assets | 59.8053% | 3,348 |
| Net loans and leases to deposits | 66.6188% | 3,669 |
| Net loans and leases to core deposits | 69.5449% | 3,742 |
| Total domestic deposits to total assets | 89.7724% | 470 |
| Equity capital to assets | 10.1657% | 3,048 |
| Core capital (leverage) ratio | 10.6401% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0953% | 1,038 |
| Memoranda: | ||
| Average total assets | $198,529,667 | 2,914 |
| Average earning assets | $185,611,000 | 2,907 |
| Average equity | $20,599,667 | 3,123 |
| Average total loans | $126,002,667 | 2,908 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 2,388 |
| Cost of funding earning assets | 0.2111% | 4,870 |
| Net interest margin | 4.2599% | 822 |
| Noninterest income to average assets | 0.3726% | 3,282 |
| Noninterest expense to average assets | 2.5465% | 3,143 |
| Loan and lease loss provision to assets | 0.1750% | 1,689 |
| Net operating income to assets | 1.6798% | 534 |
| Return on assets (ROA) | 1.6798% | 588 |
| Pretax return on assets | 1.6798% | 890 |
| Return on Equity (ROE) | 16.0165% | 420 |
| Retained earnings to average equity (ytd only) | 10.1281% | 724 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8578% | 4,019 |
| Assets per employee ($millions) | 4.8760% | 2,781 |
| Cash dividends to net income (ytd only)* | 36.7647% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7660% | 4,479 |
| Loan loss allowance to noncurrent loans | 362.9213% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 3,948 |
| Noncurrent loans to loans | 0.2111% | 3,718 |
| Net loans and leases to total assets | 66.0128% | 2,813 |
| Net loans and leases to deposits | 74.0873% | 3,266 |
| Net loans and leases to core deposits | 77.6696% | 3,373 |
| Total domestic deposits to total assets | 89.1015% | 619 |
| Equity capital to assets | 10.8586% | 2,976 |
| Core capital (leverage) ratio | 10.7728% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3689% | 1,090 |
| Memoranda: | ||
| Average total assets | $194,304,500 | 2,914 |
| Average earning assets | $183,760,000 | 2,885 |
| Average equity | $20,379,000 | 3,133 |
| Average total loans | $126,583,500 | 2,879 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5471% | 2,788 |
| Cost of funding earning assets | 0.2095% | 4,942 |
| Net interest margin | 4.3376% | 1,008 |
| Noninterest income to average assets | 0.4728% | 2,888 |
| Noninterest expense to average assets | 2.8255% | 2,513 |
| Loan and lease loss provision to assets | 0.1466% | 1,460 |
| Net operating income to assets | 1.6322% | 772 |
| Return on assets (ROA) | 1.6322% | 822 |
| Pretax return on assets | 1.6322% | 1,391 |
| Return on Equity (ROE) | 15.9938% | 538 |
| Retained earnings to average equity (ytd only) | 7.9528% | 995 |
| Net charge-offs to loans | 0.0311% | 2,772 |
| Credit loss provision to net charge-offs | 748.6486% | 432 |
| Earnings coverage of net charge-offs (x) | 90.8108% | 728 |
| Efficiency ratio | 61.3660% | 3,483 |
| Assets per employee ($millions) | 4.6150% | 3,068 |
| Cash dividends to net income (ytd only)* | 50.2757% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6979% | 4,579 |
| Loan loss allowance to noncurrent loans | 2,678.7879% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 4,575 |
| Noncurrent loans to loans | 0.0261% | 4,461 |
| Net loans and leases to total assets | 63.3835% | 3,266 |
| Net loans and leases to deposits | 70.5582% | 3,626 |
| Net loans and leases to core deposits | 71.9490% | 3,858 |
| Total domestic deposits to total assets | 89.8315% | 378 |
| Equity capital to assets | 10.1332% | 3,802 |
| Core capital (leverage) ratio | 10.4194% | 3,048 |
| Tier 1 risk-based capital ratio | 16.9873% | 2,055 |
| Total risk-based capital ratio | 17.7336% | 2,166 |
| Memoranda: | ||
| Average total assets | $188,886,600 | 2,925 |
| Average earning assets | $179,915,200 | 2,888 |
| Average equity | $19,276,200 | 3,197 |
| Average total loans | $119,157,400 | 2,952 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5403% | 2,922 |
| Cost of funding earning assets | 0.2148% | 5,006 |
| Net interest margin | 4.3255% | 1,116 |
| Noninterest income to average assets | 0.4926% | 2,779 |
| Noninterest expense to average assets | 2.7889% | 2,587 |
| Loan and lease loss provision to assets | 0.1444% | 1,327 |
| Net operating income to assets | 1.6915% | 762 |
| Return on assets (ROA) | 1.6915% | 802 |
| Pretax return on assets | 1.6915% | 1,360 |
| Return on Equity (ROE) | 16.5439% | 533 |
| Retained earnings to average equity (ytd only) | 8.5027% | 1,204 |
| Net charge-offs to loans | 0.0387% | 2,313 |
| Credit loss provision to net charge-offs | 594.1176% | 548 |
| Earnings coverage of net charge-offs (x) | 75.5330% | 894 |
| Efficiency ratio | 60.3030% | 3,582 |
| Assets per employee ($millions) | 4.5939% | 3,059 |
| Cash dividends to net income (ytd only)* | 48.6054% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6736% | 4,696 |
| Loan loss allowance to noncurrent loans | 480.4734% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 4,278 |
| Noncurrent loans to loans | 0.1402% | 4,036 |
| Net loans and leases to total assets | 62.0539% | 3,490 |
| Net loans and leases to deposits | 69.1801% | 3,823 |
| Net loans and leases to core deposits | 70.5844% | 4,027 |
| Total domestic deposits to total assets | 89.6990% | 372 |
| Equity capital to assets | 10.2388% | 3,784 |
| Core capital (leverage) ratio | 10.4940% | 3,106 |
| Tier 1 risk-based capital ratio | 17.1669% | 2,033 |
| Total risk-based capital ratio | 17.8707% | 2,148 |
| Memoranda: | ||
| Average total assets | $186,496,750 | 2,975 |
| Average earning assets | $178,162,500 | 2,929 |
| Average equity | $19,068,000 | 3,243 |
| Average total loans | $117,280,250 | 3,001 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 2,819 |
| Cost of funding earning assets | 0.2365% | 4,991 |
| Net interest margin | 4.3193% | 1,100 |
| Noninterest income to average assets | 0.5316% | 2,494 |
| Noninterest expense to average assets | 2.7817% | 2,655 |
| Loan and lease loss provision to assets | 0.1432% | 1,295 |
| Net operating income to assets | 1.7282% | 683 |
| Return on assets (ROA) | 1.7282% | 715 |
| Pretax return on assets | 1.7282% | 1,219 |
| Return on Equity (ROE) | 16.9117% | 481 |
| Retained earnings to average equity (ytd only) | 8.9495% | 1,039 |
| Net charge-offs to loans | -0.0017% | 3,933 |
| Credit loss provision to net charge-offs | -13,200.0000% | 4,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7808% | 3,764 |
| Assets per employee ($millions) | 4.4031% | 3,281 |
| Cash dividends to net income (ytd only)* | 47.0810% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6710% | 4,753 |
| Loan loss allowance to noncurrent loans | 187.2289% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 3,679 |
| Noncurrent loans to loans | 0.3584% | 3,255 |
| Net loans and leases to total assets | 62.1989% | 3,522 |
| Net loans and leases to deposits | 69.5250% | 3,877 |
| Net loans and leases to core deposits | 70.9965% | 4,060 |
| Total domestic deposits to total assets | 89.4626% | 487 |
| Equity capital to assets | 10.4882% | 3,524 |
| Core capital (leverage) ratio | 10.4952% | 3,099 |
| Tier 1 risk-based capital ratio | 17.2998% | 1,997 |
| Total risk-based capital ratio | 17.9915% | 2,107 |
| Memoranda: | ||
| Average total assets | $184,348,330 | 3,011 |
| Average earning assets | $175,907,000 | 2,961 |
| Average equity | $18,839,000 | 3,265 |
| Average total loans | $116,193,670 | 3,023 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 2,817 |
| Cost of funding earning assets | 0.2556% | 4,965 |
| Net interest margin | 4.2581% | 1,176 |
| Noninterest income to average assets | 0.5607% | 2,224 |
| Noninterest expense to average assets | 2.9991% | 1,998 |
| Loan and lease loss provision to assets | 0.1239% | 1,416 |
| Net operating income to assets | 1.4930% | 1,129 |
| Return on assets (ROA) | 1.4930% | 1,157 |
| Pretax return on assets | 1.4930% | 1,796 |
| Return on Equity (ROE) | 14.8056% | 788 |
| Retained earnings to average equity (ytd only) | 7.2627% | 1,946 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9718% | 3,089 |
| Assets per employee ($millions) | 4.3861% | 3,352 |
| Cash dividends to net income (ytd only)* | 50.9461% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5923% | 4,950 |
| Loan loss allowance to noncurrent loans | 193.6464% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 3,828 |
| Noncurrent loans to loans | 0.3059% | 3,469 |
| Net loans and leases to total assets | 63.8624% | 3,303 |
| Net loans and leases to deposits | 71.1299% | 3,674 |
| Net loans and leases to core deposits | 73.1097% | 3,860 |
| Total domestic deposits to total assets | 89.7828% | 533 |
| Equity capital to assets | 10.1901% | 3,635 |
| Core capital (leverage) ratio | 10.3739% | 3,193 |
| Tier 1 risk-based capital ratio | 16.4535% | 2,285 |
| Total risk-based capital ratio | 17.0629% | 2,453 |
| Memoranda: | ||
| Average total assets | $184,057,000 | 3,046 |
| Average earning assets | $175,291,500 | 2,997 |
| Average equity | $18,560,500 | 3,304 |
| Average total loans | $116,389,500 | 3,056 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 3,269 |
| Cost of funding earning assets | 0.1558% | 5,157 |
| Net interest margin | 4.0961% | 1,690 |
| Noninterest income to average assets | 0.4562% | 3,072 |
| Noninterest expense to average assets | 2.7484% | 2,862 |
| Loan and lease loss provision to assets | 0.0925% | 2,304 |
| Net operating income to assets | 1.5059% | 1,103 |
| Return on assets (ROA) | 1.5059% | 1,090 |
| Pretax return on assets | 1.5059% | 1,764 |
| Return on Equity (ROE) | 15.1791% | 786 |
| Retained earnings to average equity (ytd only) | 8.4002% | 1,080 |
| Net charge-offs to loans | 0.0196% | 3,042 |
| Credit loss provision to net charge-offs | 717.3913% | 492 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 638 |
| Efficiency ratio | 63.2285% | 3,299 |
| Assets per employee ($millions) | 4.5974% | 3,022 |
| Cash dividends to net income (ytd only)* | 44.6595% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5628% | 5,034 |
| Loan loss allowance to noncurrent loans | 32,200.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 4,472 |
| Noncurrent loans to loans | 0.0017% | 4,824 |
| Net loans and leases to total assets | 61.8763% | 3,579 |
| Net loans and leases to deposits | 68.7586% | 3,919 |
| Net loans and leases to core deposits | 70.5570% | 4,096 |
| Total domestic deposits to total assets | 89.9905% | 484 |
| Equity capital to assets | 9.9779% | 3,699 |
| Core capital (leverage) ratio | 10.2980% | 3,248 |
| Tier 1 risk-based capital ratio | 16.5577% | 2,223 |
| Total risk-based capital ratio | 17.1313% | 2,389 |
| Memoranda: | ||
| Average total assets | $178,430,400 | 3,074 |
| Average earning assets | $169,476,600 | 3,032 |
| Average equity | $17,702,000 | 3,329 |
| Average total loans | $117,411,400 | 3,024 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 3,292 |
| Cost of funding earning assets | 0.1544% | 5,207 |
| Net interest margin | 4.0537% | 1,777 |
| Noninterest income to average assets | 0.4352% | 3,253 |
| Noninterest expense to average assets | 2.6423% | 3,146 |
| Loan and lease loss provision to assets | 0.0753% | 2,454 |
| Net operating income to assets | 1.5723% | 1,019 |
| Return on assets (ROA) | 1.5723% | 1,022 |
| Pretax return on assets | 1.5723% | 1,667 |
| Return on Equity (ROE) | 15.8717% | 717 |
| Retained earnings to average equity (ytd only) | 10.5507% | 755 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5938% | 3,576 |
| Assets per employee ($millions) | 4.6510% | 2,911 |
| Cash dividends to net income (ytd only)* | 33.5249% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5289% | 5,152 |
| Loan loss allowance to noncurrent loans | 119.4444% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 3,243 |
| Noncurrent loans to loans | 0.4428% | 3,068 |
| Net loans and leases to total assets | 64.0547% | 3,419 |
| Net loans and leases to deposits | 71.4320% | 3,813 |
| Net loans and leases to core deposits | 72.8810% | 4,019 |
| Total domestic deposits to total assets | 89.6723% | 608 |
| Equity capital to assets | 10.2734% | 3,367 |
| Core capital (leverage) ratio | 10.3404% | 3,246 |
| Tier 1 risk-based capital ratio | 16.8952% | 2,137 |
| Total risk-based capital ratio | 17.4453% | 2,324 |
| Memoranda: | ||
| Average total assets | $177,064,000 | 3,107 |
| Average earning assets | $168,369,750 | 3,066 |
| Average equity | $17,540,250 | 3,373 |
| Average total loans | $118,156,250 | 3,040 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1649% | 3,222 |
| Cost of funding earning assets | 0.1592% | 5,201 |
| Net interest margin | 4.0057% | 1,837 |
| Noninterest income to average assets | 0.4188% | 3,362 |
| Noninterest expense to average assets | 2.6494% | 3,164 |
| Loan and lease loss provision to assets | 0.0508% | 2,900 |
| Net operating income to assets | 1.5239% | 1,094 |
| Return on assets (ROA) | 1.5239% | 1,096 |
| Pretax return on assets | 1.5239% | 1,732 |
| Return on Equity (ROE) | 15.5757% | 744 |
| Retained earnings to average equity (ytd only) | 13.2682% | 343 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7205% | 3,532 |
| Assets per employee ($millions) | 4.6284% | 2,928 |
| Cash dividends to net income (ytd only)* | 14.8148% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4776% | 5,287 |
| Loan loss allowance to noncurrent loans | 335.5828% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 4,163 |
| Noncurrent loans to loans | 0.1423% | 4,259 |
| Net loans and leases to total assets | 64.8090% | 3,306 |
| Net loans and leases to deposits | 72.2194% | 3,696 |
| Net loans and leases to core deposits | 73.5507% | 3,905 |
| Total domestic deposits to total assets | 89.7390% | 653 |
| Equity capital to assets | 10.2013% | 3,436 |
| Core capital (leverage) ratio | 10.1579% | 3,412 |
| Tier 1 risk-based capital ratio | 16.6848% | 2,200 |
| Total risk-based capital ratio | 17.1848% | 2,400 |
| Memoranda: | ||
| Average total assets | $177,172,670 | 3,126 |
| Average earning assets | $168,311,000 | 3,086 |
| Average equity | $17,334,670 | 3,407 |
| Average total loans | $119,604,670 | 3,041 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 3,437 |
| Cost of funding earning assets | 0.1706% | 5,162 |
| Net interest margin | 3.8761% | 2,136 |
| Noninterest income to average assets | 0.4297% | 3,247 |
| Noninterest expense to average assets | 2.6769% | 3,107 |
| Loan and lease loss provision to assets | 0.0337% | 3,053 |
| Net operating income to assets | 1.3992% | 1,346 |
| Return on assets (ROA) | 1.3992% | 1,352 |
| Pretax return on assets | 1.3992% | 2,007 |
| Return on Equity (ROE) | 14.6087% | 875 |
| Retained earnings to average equity (ytd only) | 9.9113% | 1,189 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1341% | 3,299 |
| Assets per employee ($millions) | 4.4455% | 3,251 |
| Cash dividends to net income (ytd only)* | 32.1543% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4248% | 5,409 |
| Loan loss allowance to noncurrent loans | 430.8333% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 4,393 |
| Noncurrent loans to loans | 0.0986% | 4,529 |
| Net loans and leases to total assets | 68.1541% | 2,750 |
| Net loans and leases to deposits | 75.5075% | 3,268 |
| Net loans and leases to core deposits | 76.8730% | 3,591 |
| Total domestic deposits to total assets | 90.2614% | 558 |
| Equity capital to assets | 9.6992% | 3,883 |
| Core capital (leverage) ratio | 9.7880% | 3,770 |
| Tier 1 risk-based capital ratio | 15.2874% | 2,740 |
| Total risk-based capital ratio | 15.7385% | 3,035 |
| Memoranda: | ||
| Average total assets | $177,819,000 | 3,152 |
| Average earning assets | $168,828,500 | 3,111 |
| Average equity | $17,031,000 | 3,471 |
| Average total loans | $122,140,500 | 3,036 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 4,063 |
| Cost of funding earning assets | 0.1100% | 5,460 |
| Net interest margin | 3.6848% | 2,857 |
| Noninterest income to average assets | 0.4222% | 3,489 |
| Noninterest expense to average assets | 2.5776% | 3,516 |
| Loan and lease loss provision to assets | 0.4360% | 321 |
| Net operating income to assets | 0.9070% | 2,675 |
| Return on assets (ROA) | 0.9070% | 2,696 |
| Pretax return on assets | 0.9070% | 3,902 |
| Return on Equity (ROE) | 9.8665% | 1,947 |
| Retained earnings to average equity (ytd only) | 9.2424% | 467 |
| Net charge-offs to loans | 0.7389% | 283 |
| Credit loss provision to net charge-offs | 90.2613% | 2,778 |
| Earnings coverage of net charge-offs (x) | 2.7803% | 3,702 |
| Efficiency ratio | 65.7448% | 3,313 |
| Assets per employee ($millions) | 4.4455% | 3,281 |
| Cash dividends to net income (ytd only)* | 6.3251% | 4,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4096% | 5,478 |
| Loan loss allowance to noncurrent loans | 101.8256% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 3,404 |
| Noncurrent loans to loans | 0.4022% | 3,323 |
| Net loans and leases to total assets | 68.6490% | 2,734 |
| Net loans and leases to deposits | 75.8804% | 3,339 |
| Net loans and leases to core deposits | 77.2411% | 3,650 |
| Total domestic deposits to total assets | 90.4701% | 408 |
| Equity capital to assets | 9.4562% | 4,265 |
| Core capital (leverage) ratio | 9.8579% | 3,624 |
| Tier 1 risk-based capital ratio | 14.8159% | 2,918 |
| Total risk-based capital ratio | 15.2507% | 3,265 |
| Memoranda: | ||
| Average total assets | $174,307,200 | 3,190 |
| Average earning assets | $165,490,600 | 3,134 |
| Average equity | $16,024,000 | 3,590 |
| Average total loans | $113,958,200 | 3,129 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7180% | 4,272 |
| Cost of funding earning assets | 0.1092% | 5,522 |
| Net interest margin | 3.6089% | 3,114 |
| Noninterest income to average assets | 0.4121% | 3,609 |
| Noninterest expense to average assets | 2.5032% | 3,721 |
| Loan and lease loss provision to assets | 0.5266% | 212 |
| Net operating income to assets | 0.8126% | 3,473 |
| Return on assets (ROA) | 0.8126% | 3,517 |
| Pretax return on assets | 0.8126% | 4,317 |
| Return on Equity (ROE) | 8.9048% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.0624% | 1,194 |
| Net charge-offs to loans | 1.0041% | 171 |
| Credit loss provision to net charge-offs | 81.3539% | 2,565 |
| Earnings coverage of net charge-offs (x) | 2.0689% | 3,509 |
| Efficiency ratio | 65.1461% | 3,352 |
| Assets per employee ($millions) | 4.2375% | 3,584 |
| Cash dividends to net income (ytd only)* | 9.4607% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3577% | 5,594 |
| Loan loss allowance to noncurrent loans | 1,581.4815% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 4,709 |
| Noncurrent loans to loans | 0.0226% | 5,023 |
| Net loans and leases to total assets | 70.1774% | 2,528 |
| Net loans and leases to deposits | 77.7664% | 3,191 |
| Net loans and leases to core deposits | 79.2319% | 3,516 |
| Total domestic deposits to total assets | 90.2412% | 398 |
| Equity capital to assets | 9.7045% | 4,239 |
| Core capital (leverage) ratio | 9.7341% | 3,898 |
| Tier 1 risk-based capital ratio | 14.6052% | 3,128 |
| Total risk-based capital ratio | 14.9814% | 3,495 |
| Memoranda: | ||
| Average total assets | $173,429,250 | 3,225 |
| Average earning assets | $164,849,500 | 3,170 |
| Average equity | $15,826,250 | 3,652 |
| Average total loans | $111,804,500 | 3,183 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5971% | 4,519 |
| Cost of funding earning assets | 0.1086% | 5,564 |
| Net interest margin | 3.4885% | 3,449 |
| Noninterest income to average assets | 0.3777% | 3,849 |
| Noninterest expense to average assets | 2.4906% | 3,783 |
| Loan and lease loss provision to assets | 0.6982% | 154 |
| Net operating income to assets | 0.4979% | 4,711 |
| Return on assets (ROA) | 0.4979% | 4,747 |
| Pretax return on assets | 0.4979% | 5,007 |
| Return on Equity (ROE) | 5.5703% | 4,237 |
| Retained earnings to average equity (ytd only) | 4.2897% | 3,154 |
| Net charge-offs to loans | 1.5410% | 118 |
| Credit loss provision to net charge-offs | 72.4466% | 2,350 |
| Earnings coverage of net charge-offs (x) | 1.2411% | 3,307 |
| Efficiency ratio | 67.5567% | 3,085 |
| Assets per employee ($millions) | 4.1182% | 3,753 |
| Cash dividends to net income (ytd only)* | 22.9885% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3001% | 5,666 |
| Loan loss allowance to noncurrent loans | 171.7073% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 4,723 |
| Noncurrent loans to loans | 0.1748% | 4,423 |
| Net loans and leases to total assets | 67.6069% | 2,862 |
| Net loans and leases to deposits | 74.4899% | 3,493 |
| Net loans and leases to core deposits | 76.0538% | 3,769 |
| Total domestic deposits to total assets | 90.7599% | 275 |
| Equity capital to assets | 9.1389% | 4,766 |
| Core capital (leverage) ratio | 9.0612% | 4,652 |
| Tier 1 risk-based capital ratio | 14.0667% | 3,398 |
| Total risk-based capital ratio | 14.3770% | 3,838 |
| Memoranda: | ||
| Average total assets | $174,739,330 | 3,227 |
| Average earning assets | $165,743,000 | 3,171 |
| Average equity | $15,618,670 | 3,687 |
| Average total loans | $109,280,330 | 3,233 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4796% | 4,747 |
| Cost of funding earning assets | 0.1082% | 5,622 |
| Net interest margin | 3.3714% | 3,755 |
| Noninterest income to average assets | 0.3712% | 3,878 |
| Noninterest expense to average assets | 2.5190% | 3,748 |
| Loan and lease loss provision to assets | 0.2733% | 527 |
| Net operating income to assets | 0.7721% | 3,354 |
| Return on assets (ROA) | 0.7721% | 3,410 |
| Pretax return on assets | 0.7721% | 4,208 |
| Return on Equity (ROE) | 8.7346% | 2,547 |
| Retained earnings to average equity (ytd only) | 6.1580% | 2,246 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6709% | 2,795 |
| Assets per employee ($millions) | 4.3109% | 3,485 |
| Cash dividends to net income (ytd only)* | 29.4985% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6537% | 5,397 |
| Loan loss allowance to noncurrent loans | 67.1115% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 2,873 |
| Noncurrent loans to loans | 0.9740% | 2,097 |
| Net loans and leases to total assets | 60.5351% | 3,728 |
| Net loans and leases to deposits | 66.4332% | 4,134 |
| Net loans and leases to core deposits | 67.8999% | 4,302 |
| Total domestic deposits to total assets | 91.1218% | 268 |
| Equity capital to assets | 8.8330% | 4,967 |
| Core capital (leverage) ratio | 9.1297% | 4,567 |
| Tier 1 risk-based capital ratio | 14.3890% | 3,267 |
| Total risk-based capital ratio | 15.0277% | 3,520 |
| Memoranda: | ||
| Average total assets | $175,627,500 | 3,241 |
| Average earning assets | $166,341,500 | 3,187 |
| Average equity | $15,524,500 | 3,721 |
| Average total loans | $105,277,000 | 3,311 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2779% | 5,195 |
| Cost of funding earning assets | 0.0985% | 5,713 |
| Net interest margin | 3.1794% | 4,504 |
| Noninterest income to average assets | 0.3800% | 4,034 |
| Noninterest expense to average assets | 2.5381% | 3,882 |
| Loan and lease loss provision to assets | 0.0601% | 3,174 |
| Net operating income to assets | 0.5622% | 4,377 |
| Return on assets (ROA) | 0.5622% | 4,478 |
| Pretax return on assets | 0.8112% | 4,160 |
| Return on Equity (ROE) | 6.1109% | 3,922 |
| Retained earnings to average equity (ytd only) | 3.8234% | 3,199 |
| Net charge-offs to loans | -0.0022% | 4,703 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4444% | 2,237 |
| Assets per employee ($millions) | 4.2563% | 3,517 |
| Cash dividends to net income (ytd only)* | 37.4332% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5678% | 5,581 |
| Loan loss allowance to noncurrent loans | 55.4080% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 2,913 |
| Noncurrent loans to loans | 1.0247% | 2,037 |
| Net loans and leases to total assets | 58.6059% | 4,009 |
| Net loans and leases to deposits | 64.3532% | 4,379 |
| Net loans and leases to core deposits | 65.7922% | 4,538 |
| Total domestic deposits to total assets | 91.0692% | 258 |
| Equity capital to assets | 8.8460% | 4,970 |
| Core capital (leverage) ratio | 9.3104% | 4,338 |
| Tier 1 risk-based capital ratio | 14.7247% | 3,087 |
| Total risk-based capital ratio | 15.2751% | 3,363 |
| Memoranda: | ||
| Average total assets | $166,305,400 | 3,327 |
| Average earning assets | $158,455,200 | 3,264 |
| Average equity | $15,300,600 | 3,775 |
| Average total loans | $90,913,400 | 3,560 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2510% | 5,277 |
| Cost of funding earning assets | 0.1010% | 5,764 |
| Net interest margin | 3.1500% | 4,635 |
| Noninterest income to average assets | 0.3637% | 4,177 |
| Noninterest expense to average assets | 2.4961% | 3,994 |
| Loan and lease loss provision to assets | 0.0528% | 3,203 |
| Net operating income to assets | 0.5715% | 4,407 |
| Return on assets (ROA) | 0.5715% | 4,513 |
| Pretax return on assets | 0.8263% | 4,227 |
| Return on Equity (ROE) | 6.1484% | 3,998 |
| Retained earnings to average equity (ytd only) | 3.0917% | 4,059 |
| Net charge-offs to loans | -0.0076% | 4,700 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9538% | 2,295 |
| Assets per employee ($millions) | 4.0505% | 3,873 |
| Cash dividends to net income (ytd only)* | 49.7166% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5956% | 5,616 |
| Loan loss allowance to noncurrent loans | 69.6970% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 3,418 |
| Noncurrent loans to loans | 0.8545% | 2,548 |
| Net loans and leases to total assets | 56.8658% | 4,211 |
| Net loans and leases to deposits | 62.9227% | 4,563 |
| Net loans and leases to core deposits | 64.3385% | 4,710 |
| Total domestic deposits to total assets | 90.3740% | 354 |
| Equity capital to assets | 9.5050% | 4,655 |
| Core capital (leverage) ratio | 9.4723% | 4,213 |
| Tier 1 risk-based capital ratio | 15.9083% | 2,666 |
| Total risk-based capital ratio | 16.4789% | 2,878 |
| Memoranda: | ||
| Average total assets | $164,254,750 | 3,369 |
| Average earning assets | $157,035,250 | 3,292 |
| Average equity | $15,266,500 | 3,807 |
| Average total loans | $87,927,750 | 3,630 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2115% | 5,414 |
| Cost of funding earning assets | 0.1015% | 5,848 |
| Net interest margin | 3.1100% | 4,805 |
| Noninterest income to average assets | 0.3600% | 4,191 |
| Noninterest expense to average assets | 2.4509% | 4,175 |
| Loan and lease loss provision to assets | 0.0545% | 3,060 |
| Net operating income to assets | 0.5697% | 4,400 |
| Return on assets (ROA) | 0.5697% | 4,527 |
| Pretax return on assets | 0.8255% | 4,205 |
| Return on Equity (ROE) | 6.1753% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.1753% | 2,029 |
| Net charge-offs to loans | -0.0093% | 4,677 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5808% | 2,420 |
| Assets per employee ($millions) | 3.9967% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 5,685 |
| Loan loss allowance to noncurrent loans | 171.8447% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 4,659 |
| Noncurrent loans to loans | 0.3485% | 4,123 |
| Net loans and leases to total assets | 53.7769% | 4,532 |
| Net loans and leases to deposits | 59.4816% | 4,827 |
| Net loans and leases to core deposits | 60.8036% | 4,947 |
| Total domestic deposits to total assets | 90.4092% | 347 |
| Equity capital to assets | 9.4736% | 4,795 |
| Core capital (leverage) ratio | 9.4357% | 4,285 |
| Tier 1 risk-based capital ratio | 16.0634% | 2,613 |
| Total risk-based capital ratio | 16.6135% | 2,854 |
| Memoranda: | ||
| Average total assets | $164,999,670 | 3,377 |
| Average earning assets | $157,618,670 | 3,304 |
| Average equity | $15,222,000 | 3,835 |
| Average total loans | $86,341,670 | 3,685 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1983% | 5,484 |
| Cost of funding earning assets | 0.1011% | 5,912 |
| Net interest margin | 3.0971% | 4,872 |
| Noninterest income to average assets | 0.3624% | 4,127 |
| Noninterest expense to average assets | 2.4159% | 4,319 |
| Loan and lease loss provision to assets | 0.0725% | 2,511 |
| Net operating income to assets | 0.5750% | 4,289 |
| Return on assets (ROA) | 0.5750% | 4,404 |
| Pretax return on assets | 0.8335% | 4,088 |
| Return on Equity (ROE) | 6.3168% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.3168% | 2,226 |
| Net charge-offs to loans | -0.0094% | 4,502 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 2,694 |
| Assets per employee ($millions) | 4.1445% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5970% | 5,748 |
| Loan loss allowance to noncurrent loans | 342.6667% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 5,137 |
| Noncurrent loans to loans | 0.1742% | 4,789 |
| Net loans and leases to total assets | 51.6260% | 4,661 |
| Net loans and leases to deposits | 56.9117% | 4,925 |
| Net loans and leases to core deposits | 57.9990% | 5,049 |
| Total domestic deposits to total assets | 90.7123% | 358 |
| Equity capital to assets | 9.1960% | 4,991 |
| Core capital (leverage) ratio | 9.2275% | 4,569 |
| Tier 1 risk-based capital ratio | 16.5480% | 2,461 |
| Total risk-based capital ratio | 17.1049% | 2,691 |
| Memoranda: | ||
| Average total assets | $165,566,500 | 3,381 |
| Average earning assets | $158,211,000 | 3,303 |
| Average equity | $15,071,000 | 3,859 |
| Average total loans | $85,186,000 | 3,719 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1624% | 5,557 |
| Cost of funding earning assets | 0.0798% | 6,036 |
| Net interest margin | 3.0826% | 4,943 |
| Noninterest income to average assets | 0.3764% | 4,215 |
| Noninterest expense to average assets | 2.5548% | 4,056 |
| Loan and lease loss provision to assets | 0.0312% | 3,744 |
| Net operating income to assets | 0.5087% | 4,660 |
| Return on assets (ROA) | 0.5087% | 4,747 |
| Pretax return on assets | 0.7309% | 4,429 |
| Return on Equity (ROE) | 5.5126% | 4,278 |
| Retained earnings to average equity (ytd only) | 3.1452% | 3,813 |
| Net charge-offs to loans | 0.0024% | 4,391 |
| Credit loss provision to net charge-offs | 2,500.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 610.5000% | 107 |
| Efficiency ratio | 77.0230% | 2,113 |
| Assets per employee ($millions) | 4.4690% | 3,093 |
| Cash dividends to net income (ytd only)* | 42.9448% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5720% | 5,831 |
| Loan loss allowance to noncurrent loans | 273.8636% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 5,094 |
| Noncurrent loans to loans | 0.2088% | 4,668 |
| Net loans and leases to total assets | 50.6737% | 4,809 |
| Net loans and leases to deposits | 55.7362% | 5,065 |
| Net loans and leases to core deposits | 56.8966% | 5,158 |
| Total domestic deposits to total assets | 90.9171% | 301 |
| Equity capital to assets | 9.0092% | 5,110 |
| Core capital (leverage) ratio | 9.1246% | 4,721 |
| Tier 1 risk-based capital ratio | 16.5546% | 2,452 |
| Total risk-based capital ratio | 17.0852% | 2,703 |
| Memoranda: | ||
| Average total assets | $160,205,800 | 3,429 |
| Average earning assets | $152,827,000 | 3,360 |
| Average equity | $14,784,400 | 3,866 |
| Average total loans | $84,234,600 | 3,718 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1760% | 5,620 |
| Cost of funding earning assets | 0.0801% | 6,120 |
| Net interest margin | 3.0959% | 4,975 |
| Noninterest income to average assets | 0.3591% | 4,368 |
| Noninterest expense to average assets | 2.5060% | 4,178 |
| Loan and lease loss provision to assets | 0.0336% | 3,555 |
| Net operating income to assets | 0.5361% | 4,651 |
| Return on assets (ROA) | 0.5361% | 4,749 |
| Pretax return on assets | 0.7719% | 4,419 |
| Return on Equity (ROE) | 5.7737% | 4,262 |
| Retained earnings to average equity (ytd only) | 2.6112% | 4,552 |
| Net charge-offs to loans | 0.0063% | 3,955 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 240.1445% | 300 |
| Efficiency ratio | 75.6777% | 2,292 |
| Assets per employee ($millions) | 4.4731% | 3,055 |
| Cash dividends to net income (ytd only)* | 54.7736% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5628% | 5,947 |
| Loan loss allowance to noncurrent loans | 319.7279% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 5,311 |
| Noncurrent loans to loans | 0.1760% | 4,948 |
| Net loans and leases to total assets | 50.1731% | 4,917 |
| Net loans and leases to deposits | 55.1908% | 5,178 |
| Net loans and leases to core deposits | 56.3389% | 5,290 |
| Total domestic deposits to total assets | 90.9084% | 267 |
| Equity capital to assets | 8.9774% | 5,324 |
| Core capital (leverage) ratio | 9.2560% | 4,655 |
| Tier 1 risk-based capital ratio | 16.2459% | 2,694 |
| Total risk-based capital ratio | 16.7598% | 2,969 |
| Memoranda: | ||
| Average total assets | $158,918,750 | 3,476 |
| Average earning assets | $151,549,500 | 3,404 |
| Average equity | $14,756,250 | 3,912 |
| Average total loans | $84,225,000 | 3,750 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2039% | 5,618 |
| Cost of funding earning assets | 0.0818% | 6,191 |
| Net interest margin | 3.1221% | 4,911 |
| Noninterest income to average assets | 0.3663% | 4,322 |
| Noninterest expense to average assets | 2.5497% | 4,070 |
| Loan and lease loss provision to assets | 0.0319% | 3,481 |
| Net operating income to assets | 0.5258% | 4,667 |
| Return on assets (ROA) | 0.5258% | 4,766 |
| Pretax return on assets | 0.7555% | 4,471 |
| Return on Equity (ROE) | 5.5969% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.5969% | 2,470 |
| Net charge-offs to loans | -0.0047% | 4,720 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4054% | 2,294 |
| Assets per employee ($millions) | 4.5565% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5481% | 6,047 |
| Loan loss allowance to noncurrent loans | 272.7811% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 5,354 |
| Noncurrent loans to loans | 0.2009% | 4,967 |
| Net loans and leases to total assets | 52.4495% | 4,713 |
| Net loans and leases to deposits | 57.9563% | 4,995 |
| Net loans and leases to core deposits | 59.5299% | 5,102 |
| Total domestic deposits to total assets | 90.4984% | 451 |
| Equity capital to assets | 9.3837% | 4,807 |
| Core capital (leverage) ratio | 9.3277% | 4,518 |
| Tier 1 risk-based capital ratio | 16.3040% | 2,708 |
| Total risk-based capital ratio | 16.8056% | 3,017 |
| Memoranda: | ||
| Average total assets | $156,723,330 | 3,532 |
| Average earning assets | $149,130,330 | 3,465 |
| Average equity | $14,722,330 | 3,935 |
| Average total loans | $84,463,670 | 3,767 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1788% | 5,680 |
| Cost of funding earning assets | 0.0787% | 6,272 |
| Net interest margin | 3.1001% | 4,951 |
| Noninterest income to average assets | 0.3708% | 4,240 |
| Noninterest expense to average assets | 2.6367% | 3,799 |
| Loan and lease loss provision to assets | 0.0257% | 3,364 |
| Net operating income to assets | 0.4583% | 4,838 |
| Return on assets (ROA) | 0.4583% | 4,957 |
| Pretax return on assets | 0.6515% | 4,759 |
| Return on Equity (ROE) | 4.8764% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.8764% | 3,126 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5649% | 1,950 |
| Assets per employee ($millions) | 4.6588% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5302% | 6,148 |
| Loan loss allowance to noncurrent loans | 241.3043% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 5,288 |
| Noncurrent loans to loans | 0.2197% | 4,990 |
| Net loans and leases to total assets | 52.5906% | 4,600 |
| Net loans and leases to deposits | 58.0193% | 4,913 |
| Net loans and leases to core deposits | 59.6030% | 5,022 |
| Total domestic deposits to total assets | 90.6432% | 480 |
| Equity capital to assets | 9.2772% | 4,998 |
| Core capital (leverage) ratio | 9.4507% | 4,353 |
| Tier 1 risk-based capital ratio | 16.2613% | 2,794 |
| Total risk-based capital ratio | 16.7508% | 3,086 |
| Memoranda: | ||
| Average total assets | $155,345,500 | 3,568 |
| Average earning assets | $147,477,500 | 3,512 |
| Average equity | $14,601,000 | 3,976 |
| Average total loans | $84,642,000 | 3,784 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2161% | 5,814 |
| Cost of funding earning assets | 0.0897% | 6,357 |
| Net interest margin | 3.1264% | 5,142 |
| Noninterest income to average assets | 0.4386% | 3,910 |
| Noninterest expense to average assets | 2.5867% | 4,267 |
| Loan and lease loss provision to assets | 0.0377% | 3,824 |
| Net operating income to assets | 0.5442% | 4,621 |
| Return on assets (ROA) | 0.5442% | 4,709 |
| Pretax return on assets | 0.7563% | 4,419 |
| Return on Equity (ROE) | 5.5282% | 4,393 |
| Retained earnings to average equity (ytd only) | 3.0883% | 4,044 |
| Net charge-offs to loans | 0.0711% | 3,458 |
| Credit loss provision to net charge-offs | 98.2143% | 2,463 |
| Earnings coverage of net charge-offs (x) | 20.6607% | 1,716 |
| Efficiency ratio | 76.5124% | 2,437 |
| Assets per employee ($millions) | 4.3512% | 3,270 |
| Cash dividends to net income (ytd only)* | 44.1362% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5074% | 6,249 |
| Loan loss allowance to noncurrent loans | 4,340.0000% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 5,632 |
| Noncurrent loans to loans | 0.0117% | 5,867 |
| Net loans and leases to total assets | 55.8815% | 4,355 |
| Net loans and leases to deposits | 61.8063% | 4,742 |
| Net loans and leases to core deposits | 63.5647% | 4,868 |
| Total domestic deposits to total assets | 90.4138% | 573 |
| Equity capital to assets | 9.5258% | 4,696 |
| Core capital (leverage) ratio | 9.6101% | 4,081 |
| Tier 1 risk-based capital ratio | 16.3367% | 2,797 |
| Total risk-based capital ratio | 16.8233% | 3,125 |
| Memoranda: | ||
| Average total assets | $145,707,000 | 3,695 |
| Average earning assets | $137,123,400 | 3,641 |
| Average equity | $14,344,600 | 3,969 |
| Average total loans | $78,722,400 | 3,909 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2751% | 5,800 |
| Cost of funding earning assets | 0.0906% | 6,441 |
| Net interest margin | 3.1845% | 5,015 |
| Noninterest income to average assets | 0.4174% | 4,121 |
| Noninterest expense to average assets | 2.5276% | 4,440 |
| Loan and lease loss provision to assets | 0.0370% | 3,662 |
| Net operating income to assets | 0.5942% | 4,466 |
| Return on assets (ROA) | 0.5942% | 4,553 |
| Pretax return on assets | 0.8441% | 4,207 |
| Return on Equity (ROE) | 5.9842% | 4,243 |
| Retained earnings to average equity (ytd only) | 2.7218% | 4,656 |
| Net charge-offs to loans | 0.0969% | 2,842 |
| Credit loss provision to net charge-offs | 71.4286% | 2,745 |
| Earnings coverage of net charge-offs (x) | 17.0011% | 1,928 |
| Efficiency ratio | 74.1515% | 2,798 |
| Assets per employee ($millions) | 4.2189% | 3,441 |
| Cash dividends to net income (ytd only)* | 54.5176% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5273% | 6,306 |
| Loan loss allowance to noncurrent loans | 1,197.1429% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 5,650 |
| Noncurrent loans to loans | 0.0440% | 5,836 |
| Net loans and leases to total assets | 53.5324% | 4,632 |
| Net loans and leases to deposits | 59.3880% | 4,995 |
| Net loans and leases to core deposits | 61.0196% | 5,118 |
| Total domestic deposits to total assets | 90.1402% | 666 |
| Equity capital to assets | 9.7332% | 4,510 |
| Core capital (leverage) ratio | 9.9633% | 3,732 |
| Tier 1 risk-based capital ratio | 17.0401% | 2,605 |
| Total risk-based capital ratio | 17.5352% | 2,863 |
| Memoranda: | ||
| Average total assets | $144,060,750 | 3,760 |
| Average earning assets | $135,319,000 | 3,700 |
| Average equity | $14,304,000 | 3,995 |
| Average total loans | $77,018,750 | 3,994 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2762% | 5,831 |
| Cost of funding earning assets | 0.0911% | 6,505 |
| Net interest margin | 3.1851% | 4,988 |
| Noninterest income to average assets | 0.4256% | 4,054 |
| Noninterest expense to average assets | 2.5605% | 4,379 |
| Loan and lease loss provision to assets | 0.0350% | 3,589 |
| Net operating income to assets | 0.5754% | 4,484 |
| Return on assets (ROA) | 0.5754% | 4,588 |
| Pretax return on assets | 0.8148% | 4,213 |
| Return on Equity (ROE) | 5.7558% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.7558% | 2,478 |
| Net charge-offs to loans | 0.1076% | 2,600 |
| Credit loss provision to net charge-offs | 60.9756% | 2,619 |
| Earnings coverage of net charge-offs (x) | 14.8049% | 1,893 |
| Efficiency ratio | 75.0821% | 2,797 |
| Assets per employee ($millions) | 3.7006% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5331% | 6,380 |
| Loan loss allowance to noncurrent loans | 367.5439% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 5,569 |
| Noncurrent loans to loans | 0.1450% | 5,570 |
| Net loans and leases to total assets | 54.1681% | 4,521 |
| Net loans and leases to deposits | 60.2976% | 4,841 |
| Net loans and leases to core deposits | 61.7849% | 4,988 |
| Total domestic deposits to total assets | 89.8346% | 888 |
| Equity capital to assets | 10.0511% | 4,035 |
| Core capital (leverage) ratio | 10.1929% | 3,356 |
| Tier 1 risk-based capital ratio | 17.2200% | 2,528 |
| Total risk-based capital ratio | 17.7162% | 2,807 |
| Memoranda: | ||
| Average total assets | $142,861,000 | 3,800 |
| Average earning assets | $133,874,000 | 3,745 |
| Average equity | $14,281,330 | 3,987 |
| Average total loans | $76,203,330 | 4,032 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0963% | 6,129 |
| Cost of funding earning assets | 0.0902% | 6,589 |
| Net interest margin | 3.0061% | 5,508 |
| Noninterest income to average assets | 0.4615% | 3,699 |
| Noninterest expense to average assets | 2.4006% | 4,924 |
| Loan and lease loss provision to assets | 0.0422% | 3,245 |
| Net operating income to assets | 0.6051% | 4,176 |
| Return on assets (ROA) | 0.6051% | 4,252 |
| Pretax return on assets | 0.8330% | 3,964 |
| Return on Equity (ROE) | 6.0696% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.0696% | 2,505 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2818% | 3,266 |
| Assets per employee ($millions) | 4.6227% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5936% | 6,415 |
| Loan loss allowance to noncurrent loans | 1,551.7241% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 5,407 |
| Noncurrent loans to loans | 0.0383% | 6,035 |
| Net loans and leases to total assets | 52.5892% | 4,597 |
| Net loans and leases to deposits | 58.4708% | 4,895 |
| Net loans and leases to core deposits | 60.0531% | 5,030 |
| Total domestic deposits to total assets | 89.9410% | 1,102 |
| Equity capital to assets | 9.9710% | 3,875 |
| Core capital (leverage) ratio | 10.0883% | 3,443 |
| Tier 1 risk-based capital ratio | 17.2649% | 2,564 |
| Total risk-based capital ratio | 17.8066% | 2,842 |
| Memoranda: | ||
| Average total assets | $142,130,000 | 3,848 |
| Average earning assets | $133,062,500 | 3,783 |
| Average equity | $14,169,000 | 4,017 |
| Average total loans | $75,007,000 | 4,099 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9892% | 6,354 |
| Cost of funding earning assets | 0.0922% | 6,693 |
| Net interest margin | 2.8970% | 5,790 |
| Noninterest income to average assets | 0.5134% | 3,676 |
| Noninterest expense to average assets | 2.6184% | 4,395 |
| Loan and lease loss provision to assets | 0.0147% | 4,835 |
| Net operating income to assets | 0.3834% | 5,201 |
| Return on assets (ROA) | 0.3834% | 5,315 |
| Pretax return on assets | 0.5802% | 4,934 |
| Return on Equity (ROE) | 3.7904% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.7904% | 3,505 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4857% | 1,950 |
| Assets per employee ($millions) | 4.5469% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5862% | 6,495 |
| Loan loss allowance to noncurrent loans | 483.3333% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 5,363 |
| Noncurrent loans to loans | 0.1213% | 5,836 |
| Net loans and leases to total assets | 52.3330% | 4,809 |
| Net loans and leases to deposits | 58.1627% | 5,108 |
| Net loans and leases to core deposits | 59.8837% | 5,230 |
| Total domestic deposits to total assets | 89.9769% | 1,092 |
| Equity capital to assets | 9.9670% | 3,820 |
| Core capital (leverage) ratio | 10.2172% | 3,270 |
| Tier 1 risk-based capital ratio | 17.4454% | 2,433 |
| Total risk-based capital ratio | 17.9826% | 2,699 |
| Memoranda: | ||
| Average total assets | $136,151,200 | 3,951 |
| Average earning assets | $126,888,800 | 3,912 |
| Average equity | $13,771,600 | 4,108 |
| Average total loans | $68,222,000 | 4,334 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9518% | 6,462 |
| Cost of funding earning assets | 0.0921% | 6,779 |
| Net interest margin | 2.8597% | 5,896 |
| Noninterest income to average assets | 0.6550% | 2,855 |
| Noninterest expense to average assets | 2.5401% | 4,586 |
| Loan and lease loss provision to assets | 0.0049% | 4,868 |
| Net operating income to assets | 0.5315% | 4,660 |
| Return on assets (ROA) | 0.5315% | 4,816 |
| Pretax return on assets | 0.7785% | 4,385 |
| Return on Equity (ROE) | 5.2351% | 4,607 |
| Retained earnings to average equity (ytd only) | 5.2351% | 2,911 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4269% | 2,663 |
| Assets per employee ($millions) | 4.3528% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6263% | 6,529 |
| Loan loss allowance to noncurrent loans | 174.2739% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 4,944 |
| Noncurrent loans to loans | 0.3594% | 5,312 |
| Net loans and leases to total assets | 49.3838% | 5,202 |
| Net loans and leases to deposits | 55.1366% | 5,446 |
| Net loans and leases to core deposits | 56.8502% | 5,545 |
| Total domestic deposits to total assets | 89.5662% | 1,247 |
| Equity capital to assets | 10.3248% | 3,476 |
| Core capital (leverage) ratio | 10.3911% | 3,119 |
| Tier 1 risk-based capital ratio | 18.4777% | 2,151 |
| Total risk-based capital ratio | 19.0312% | 2,378 |
| Memoranda: | ||
| Average total assets | $134,950,250 | 4,017 |
| Average earning assets | $125,930,000 | 3,965 |
| Average equity | $13,702,250 | 4,177 |
| Average total loans | $66,727,250 | 4,419 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9596% | 6,484 |
| Cost of funding earning assets | 0.0955% | 6,826 |
| Net interest margin | 2.8641% | 5,864 |
| Noninterest income to average assets | 0.5217% | 3,691 |
| Noninterest expense to average assets | 2.3267% | 5,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5854% | 4,372 |
| Return on assets (ROA) | 0.5854% | 4,549 |
| Pretax return on assets | 0.8610% | 4,063 |
| Return on Equity (ROE) | 5.7979% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.7979% | 2,559 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9893% | 3,310 |
| Assets per employee ($millions) | 4.3942% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6324% | 6,576 |
| Loan loss allowance to noncurrent loans | 1,482.1429% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 5,517 |
| Noncurrent loans to loans | 0.0427% | 6,266 |
| Net loans and leases to total assets | 47.8704% | 5,341 |
| Net loans and leases to deposits | 53.3302% | 5,576 |
| Net loans and leases to core deposits | 54.9679% | 5,675 |
| Total domestic deposits to total assets | 89.7621% | 1,170 |
| Equity capital to assets | 10.1123% | 3,775 |
| Core capital (leverage) ratio | 10.3272% | 3,072 |
| Tier 1 risk-based capital ratio | 18.7311% | 2,072 |
| Total risk-based capital ratio | 19.2912% | 2,266 |
| Memoranda: | ||
| Average total assets | $134,954,670 | 4,045 |
| Average earning assets | $125,624,000 | 3,996 |
| Average equity | $13,625,670 | 4,219 |
| Average total loans | $66,617,330 | 4,439 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0085% | 6,508 |
| Cost of funding earning assets | 0.0933% | 6,917 |
| Net interest margin | 2.9152% | 5,781 |
| Noninterest income to average assets | 0.5896% | 3,192 |
| Noninterest expense to average assets | 2.5699% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4914% | 4,710 |
| Return on assets (ROA) | 0.4914% | 4,866 |
| Pretax return on assets | 0.7177% | 4,501 |
| Return on Equity (ROE) | 4.8705% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.8705% | 3,317 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1703% | 2,583 |
| Assets per employee ($millions) | 3.4898% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6132% | 6,690 |
| Loan loss allowance to noncurrent loans | 1,482.1429% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 4,775 |
| Noncurrent loans to loans | 0.0414% | 6,361 |
| Net loans and leases to total assets | 50.7220% | 4,891 |
| Net loans and leases to deposits | 56.5633% | 5,189 |
| Net loans and leases to core deposits | 58.3509% | 5,305 |
| Total domestic deposits to total assets | 89.6730% | 1,251 |
| Equity capital to assets | 10.2735% | 3,827 |
| Core capital (leverage) ratio | 10.2194% | 3,123 |
| Tier 1 risk-based capital ratio | 17.9406% | 2,393 |
| Total risk-based capital ratio | 18.4860% | 2,633 |
| Memoranda: | ||
| Average total assets | $134,322,000 | 4,095 |
| Average earning assets | $124,313,000 | 4,060 |
| Average equity | $13,551,000 | 4,278 |
| Average total loans | $67,114,000 | 4,451 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1331% | 6,703 |
| Cost of funding earning assets | 0.1321% | 6,957 |
| Net interest margin | 3.0009% | 6,049 |
| Noninterest income to average assets | 0.3826% | 4,732 |
| Noninterest expense to average assets | 2.8100% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2571% | 5,610 |
| Return on assets (ROA) | 0.2571% | 5,815 |
| Pretax return on assets | 0.3712% | 5,652 |
| Return on Equity (ROE) | 2.5303% | 5,738 |
| Retained earnings to average equity (ytd only) | 2.5303% | 4,444 |
| Net charge-offs to loans | 0.0116% | 5,761 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 588 |
| Efficiency ratio | 88.3309% | 1,215 |
| Assets per employee ($millions) | 3.5798% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6236% | 6,727 |
| Loan loss allowance to noncurrent loans | 228.0220% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 1.1659% | 3,712 |
| Noncurrent loans to loans | 0.2735% | 5,798 |
| Net loans and leases to total assets | 48.6169% | 5,351 |
| Net loans and leases to deposits | 53.9724% | 5,653 |
| Net loans and leases to core deposits | 55.5086% | 5,753 |
| Total domestic deposits to total assets | 90.0773% | 911 |
| Equity capital to assets | 9.9080% | 4,303 |
| Core capital (leverage) ratio | 10.4486% | 2,830 |
| Tier 1 risk-based capital ratio | 17.5981% | 2,416 |
| Total risk-based capital ratio | 18.1397% | 2,668 |
| Memoranda: | ||
| Average total assets | $131,457,400 | 4,116 |
| Average earning assets | $122,595,600 | 4,051 |
| Average equity | $13,358,200 | 4,283 |
| Average total loans | $68,784,600 | 4,397 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1816% | 6,805 |
| Cost of funding earning assets | 0.1419% | 7,054 |
| Net interest margin | 3.0397% | 6,085 |
| Noninterest income to average assets | 0.4737% | 4,113 |
| Noninterest expense to average assets | 2.8484% | 3,804 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3233% | 5,531 |
| Return on assets (ROA) | 0.3233% | 5,735 |
| Pretax return on assets | 0.4747% | 5,532 |
| Return on Equity (ROE) | 3.1611% | 5,621 |
| Retained earnings to average equity (ytd only) | 3.1611% | 4,651 |
| Net charge-offs to loans | 0.0039% | 5,707 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 231.7041% | 193 |
| Efficiency ratio | 85.7143% | 1,407 |
| Assets per employee ($millions) | 3.4684% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6622% | 6,790 |
| Loan loss allowance to noncurrent loans | 1,451.7241% | 333 |
| Noncurrent assets plus other real estate owned to assets | 1.1868% | 3,915 |
| Noncurrent loans to loans | 0.0456% | 6,504 |
| Net loans and leases to total assets | 49.2118% | 5,414 |
| Net loans and leases to deposits | 55.0454% | 5,716 |
| Net loans and leases to core deposits | 56.7209% | 5,836 |
| Total domestic deposits to total assets | 89.4022% | 1,189 |
| Equity capital to assets | 10.4972% | 3,851 |
| Core capital (leverage) ratio | 10.8108% | 2,582 |
| Tier 1 risk-based capital ratio | 18.4943% | 2,170 |
| Total risk-based capital ratio | 19.0727% | 2,386 |
| Memoranda: | ||
| Average total assets | $130,314,000 | 4,180 |
| Average earning assets | $122,158,750 | 4,100 |
| Average equity | $13,328,250 | 4,333 |
| Average total loans | $69,343,500 | 4,417 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2000% | 6,871 |
| Cost of funding earning assets | 0.1531% | 7,110 |
| Net interest margin | 3.0469% | 6,130 |
| Noninterest income to average assets | 0.4657% | 4,160 |
| Noninterest expense to average assets | 2.7593% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3818% | 5,287 |
| Return on assets (ROA) | 0.3818% | 5,520 |
| Pretax return on assets | 0.5635% | 5,266 |
| Return on Equity (ROE) | 3.7649% | 5,375 |
| Retained earnings to average equity (ytd only) | 3.7649% | 4,105 |
| Net charge-offs to loans | 0.0056% | 5,415 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 184.5000% | 249 |
| Efficiency ratio | 83.0423% | 1,739 |
| Assets per employee ($millions) | 3.0636% | 5,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6074% | 6,926 |
| Loan loss allowance to noncurrent loans | 57.5137% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.2847% | 3,857 |
| Noncurrent loans to loans | 1.0562% | 4,405 |
| Net loans and leases to total assets | 53.5373% | 4,875 |
| Net loans and leases to deposits | 59.8409% | 5,253 |
| Net loans and leases to core deposits | 62.2342% | 5,366 |
| Total domestic deposits to total assets | 89.4662% | 1,238 |
| Equity capital to assets | 10.4212% | 3,784 |
| Core capital (leverage) ratio | 10.4519% | 2,858 |
| Tier 1 risk-based capital ratio | 17.6252% | 2,428 |
| Total risk-based capital ratio | 18.1791% | 2,659 |
| Memoranda: | ||
| Average total assets | $130,975,670 | 4,186 |
| Average earning assets | $122,811,670 | 4,104 |
| Average equity | $13,280,670 | 4,345 |
| Average total loans | $71,266,670 | 4,378 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1784% | 6,962 |
| Cost of funding earning assets | 0.1618% | 7,164 |
| Net interest margin | 3.0166% | 6,257 |
| Noninterest income to average assets | 0.4753% | 4,104 |
| Noninterest expense to average assets | 2.7186% | 4,362 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3936% | 5,282 |
| Return on assets (ROA) | 0.3936% | 5,470 |
| Pretax return on assets | 0.5782% | 5,192 |
| Return on Equity (ROE) | 3.9345% | 5,329 |
| Retained earnings to average equity (ytd only) | 3.9345% | 4,227 |
| Net charge-offs to loans | 0.0111% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 95.5000% | 358 |
| Efficiency ratio | 82.4610% | 1,876 |
| Assets per employee ($millions) | 3.1136% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5929% | 6,989 |
| Loan loss allowance to noncurrent loans | 59.1292% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.4025% | 3,767 |
| Noncurrent loans to loans | 1.0027% | 4,671 |
| Net loans and leases to total assets | 53.9803% | 4,726 |
| Net loans and leases to deposits | 60.1426% | 5,127 |
| Net loans and leases to core deposits | 62.8601% | 5,237 |
| Total domestic deposits to total assets | 89.7538% | 1,217 |
| Equity capital to assets | 10.1545% | 3,910 |
| Core capital (leverage) ratio | 9.9919% | 3,372 |
| Tier 1 risk-based capital ratio | 17.1427% | 2,628 |
| Total risk-based capital ratio | 17.6863% | 2,901 |
| Memoranda: | ||
| Average total assets | $132,128,000 | 4,185 |
| Average earning assets | $123,584,000 | 4,115 |
| Average equity | $13,216,500 | 4,368 |
| Average total loans | $72,246,000 | 4,374 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1757% | 7,132 |
| Cost of funding earning assets | 0.2845% | 7,127 |
| Net interest margin | 2.8912% | 6,705 |
| Noninterest income to average assets | 0.4867% | 3,948 |
| Noninterest expense to average assets | 3.0569% | 3,364 |
| Loan and lease loss provision to assets | 0.0710% | 5,730 |
| Net operating income to assets | 0.0087% | 6,021 |
| Return on assets (ROA) | 0.0087% | 6,143 |
| Pretax return on assets | 0.0450% | 6,056 |
| Return on Equity (ROE) | 0.0837% | 6,140 |
| Retained earnings to average equity (ytd only) | 0.0837% | 5,796 |
| Net charge-offs to loans | 0.0331% | 5,984 |
| Credit loss provision to net charge-offs | 391.3043% | 596 |
| Earnings coverage of net charge-offs (x) | 6.3913% | 2,527 |
| Efficiency ratio | 96.3451% | 805 |
| Assets per employee ($millions) | 3.3372% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5757% | 7,031 |
| Loan loss allowance to noncurrent loans | 90.3846% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0406% | 4,527 |
| Noncurrent loans to loans | 0.6369% | 5,442 |
| Net loans and leases to total assets | 54.7308% | 4,918 |
| Net loans and leases to deposits | 60.7556% | 5,399 |
| Net loans and leases to core deposits | 63.0218% | 5,556 |
| Total domestic deposits to total assets | 90.0836% | 949 |
| Equity capital to assets | 9.8542% | 4,365 |
| Core capital (leverage) ratio | 10.1790% | 3,120 |
| Tier 1 risk-based capital ratio | 16.5924% | 2,782 |
| Total risk-based capital ratio | 17.1263% | 3,073 |
| Memoranda: | ||
| Average total assets | $126,762,000 | 4,235 |
| Average earning assets | $117,769,800 | 4,187 |
| Average equity | $13,144,200 | 4,313 |
| Average total loans | $69,394,400 | 4,515 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2140% | 7,207 |
| Cost of funding earning assets | 0.3120% | 7,194 |
| Net interest margin | 2.9020% | 6,743 |
| Noninterest income to average assets | 0.4573% | 4,238 |
| Noninterest expense to average assets | 3.0742% | 3,266 |
| Loan and lease loss provision to assets | 0.0959% | 5,262 |
| Net operating income to assets | -0.0416% | 6,208 |
| Return on assets (ROA) | -0.0416% | 6,305 |
| Pretax return on assets | -0.0160% | 6,248 |
| Return on Equity (ROE) | -0.3957% | 6,309 |
| Retained earnings to average equity (ytd only) | -0.3957% | 6,049 |
| Net charge-offs to loans | 0.0449% | 5,541 |
| Credit loss provision to net charge-offs | 391.3043% | 724 |
| Earnings coverage of net charge-offs (x) | 3.2605% | 3,519 |
| Efficiency ratio | 97.4654% | 753 |
| Assets per employee ($millions) | 3.1450% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6787% | 6,994 |
| Loan loss allowance to noncurrent loans | 72.0613% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.2329% | 4,332 |
| Noncurrent loans to loans | 0.9419% | 4,998 |
| Net loans and leases to total assets | 49.2067% | 5,808 |
| Net loans and leases to deposits | 54.9874% | 6,124 |
| Net loans and leases to core deposits | 57.1823% | 6,209 |
| Total domestic deposits to total assets | 89.4871% | 1,150 |
| Equity capital to assets | 10.4175% | 3,804 |
| Core capital (leverage) ratio | 10.3347% | 3,056 |
| Tier 1 risk-based capital ratio | 18.7572% | 2,006 |
| Total risk-based capital ratio | 19.3630% | 2,176 |
| Memoranda: | ||
| Average total assets | $125,081,000 | 4,295 |
| Average earning assets | $116,237,750 | 4,243 |
| Average equity | $13,141,750 | 4,317 |
| Average total loans | $68,372,750 | 4,586 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2653% | 7,265 |
| Cost of funding earning assets | 0.3495% | 7,226 |
| Net interest margin | 2.9158% | 6,758 |
| Noninterest income to average assets | 0.4646% | 4,151 |
| Noninterest expense to average assets | 3.1624% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0032% | 6,230 |
| Return on assets (ROA) | -0.0032% | 6,305 |
| Pretax return on assets | 0.0016% | 6,266 |
| Return on Equity (ROE) | -0.0304% | 6,306 |
| Retained earnings to average equity (ytd only) | -0.0304% | 5,842 |
| Net charge-offs to loans | 0.0710% | 4,930 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.0400% | 5,255 |
| Efficiency ratio | 99.9494% | 723 |
| Assets per employee ($millions) | 3.3742% | 5,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4826% | 7,244 |
| Loan loss allowance to noncurrent loans | 561.0169% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 5,246 |
| Noncurrent loans to loans | 0.0860% | 6,768 |
| Net loans and leases to total assets | 54.6661% | 5,199 |
| Net loans and leases to deposits | 61.1358% | 5,602 |
| Net loans and leases to core deposits | 63.5975% | 5,770 |
| Total domestic deposits to total assets | 89.4174% | 1,291 |
| Equity capital to assets | 10.5217% | 3,477 |
| Core capital (leverage) ratio | 10.5112% | 2,701 |
| Tier 1 risk-based capital ratio | 17.4798% | 2,348 |
| Total risk-based capital ratio | 17.9203% | 2,622 |
| Memoranda: | ||
| Average total assets | $124,842,000 | 4,327 |
| Average earning assets | $115,577,330 | 4,287 |
| Average equity | $13,154,000 | 4,305 |
| Average total loans | $70,389,000 | 4,561 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1998% | 7,339 |
| Cost of funding earning assets | 0.3874% | 7,244 |
| Net interest margin | 2.8123% | 6,887 |
| Noninterest income to average assets | 0.4678% | 4,133 |
| Noninterest expense to average assets | 2.8228% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1666% | 5,899 |
| Return on assets (ROA) | 0.1666% | 5,948 |
| Pretax return on assets | 0.2499% | 5,810 |
| Return on Equity (ROE) | 1.5802% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.5802% | 5,165 |
| Net charge-offs to loans | 0.1403% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.1200% | 2,846 |
| Efficiency ratio | 91.8665% | 1,175 |
| Assets per employee ($millions) | 3.2435% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4643% | 7,305 |
| Loan loss allowance to noncurrent loans | 108.8816% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.3771% | 4,223 |
| Noncurrent loans to loans | 0.4264% | 6,150 |
| Net loans and leases to total assets | 56.0982% | 4,979 |
| Net loans and leases to deposits | 62.7022% | 5,422 |
| Net loans and leases to core deposits | 65.3143% | 5,583 |
| Total domestic deposits to total assets | 89.4677% | 1,500 |
| Equity capital to assets | 10.4272% | 3,258 |
| Core capital (leverage) ratio | 10.5391% | 2,571 |
| Tier 1 risk-based capital ratio | 16.8332% | 2,538 |
| Total risk-based capital ratio | 17.2557% | 2,875 |
| Memoranda: | ||
| Average total assets | $124,839,500 | 4,362 |
| Average earning assets | $115,633,000 | 4,307 |
| Average equity | $13,163,000 | 4,301 |
| Average total loans | $71,293,500 | 4,569 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 7,266 |
| Cost of funding earning assets | 0.4761% | 7,333 |
| Net interest margin | 3.3017% | 5,972 |
| Noninterest income to average assets | 0.4883% | 4,261 |
| Noninterest expense to average assets | 3.1854% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.2153% | 5,230 |
| Return on assets (ROA) | 0.2153% | 5,387 |
| Pretax return on assets | 0.3233% | 5,169 |
| Return on Equity (ROE) | 1.9729% | 5,386 |
| Retained earnings to average equity (ytd only) | 1.9729% | 4,481 |
| Net charge-offs to loans | 0.2343% | 4,878 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 2.2184% | 4,061 |
| Efficiency ratio | 90.7854% | 1,260 |
| Assets per employee ($millions) | 3.1585% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4993% | 7,358 |
| Loan loss allowance to noncurrent loans | 183.5052% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 1.2883% | 4,454 |
| Noncurrent loans to loans | 0.2721% | 6,519 |
| Net loans and leases to total assets | 57.5875% | 5,089 |
| Net loans and leases to deposits | 64.5924% | 5,557 |
| Net loans and leases to core deposits | 64.5924% | 6,009 |
| Total domestic deposits to total assets | 89.1552% | 1,563 |
| Equity capital to assets | 10.6638% | 3,003 |
| Core capital (leverage) ratio | 11.0082% | 2,158 |
| Tier 1 risk-based capital ratio | 16.8845% | 2,393 |
| Total risk-based capital ratio | 17.3421% | 2,665 |
| Memoranda: | ||
| Average total assets | $119,389,400 | 4,494 |
| Average earning assets | $109,217,000 | 4,485 |
| Average equity | $13,026,600 | 4,356 |
| Average total loans | $74,279,400 | 4,515 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8360% | 7,379 |
| Cost of funding earning assets | 0.5078% | 7,434 |
| Net interest margin | 3.3283% | 5,930 |
| Noninterest income to average assets | 0.4705% | 4,412 |
| Noninterest expense to average assets | 3.1677% | 3,041 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2229% | 5,440 |
| Return on assets (ROA) | 0.2229% | 5,601 |
| Pretax return on assets | 0.3355% | 5,412 |
| Return on Equity (ROE) | 2.0308% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.0308% | 4,941 |
| Net charge-offs to loans | 0.3110% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 1.7028% | 4,427 |
| Efficiency ratio | 90.4242% | 1,248 |
| Assets per employee ($millions) | 2.9725% | 6,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4792% | 7,477 |
| Loan loss allowance to noncurrent loans | 57.5365% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.7105% | 3,882 |
| Noncurrent loans to loans | 0.8328% | 5,554 |
| Net loans and leases to total assets | 63.5993% | 4,203 |
| Net loans and leases to deposits | 71.8371% | 4,864 |
| Net loans and leases to core deposits | 71.8371% | 5,532 |
| Total domestic deposits to total assets | 88.5326% | 1,658 |
| Equity capital to assets | 11.2871% | 2,712 |
| Core capital (leverage) ratio | 11.0982% | 2,193 |
| Tier 1 risk-based capital ratio | 16.6421% | 2,488 |
| Total risk-based capital ratio | 17.0938% | 2,790 |
| Memoranda: | ||
| Average total assets | $118,441,000 | 4,570 |
| Average earning assets | $107,921,250 | 4,571 |
| Average equity | $12,999,250 | 4,441 |
| Average total loans | $75,025,750 | 4,560 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7943% | 7,485 |
| Cost of funding earning assets | 0.5349% | 7,499 |
| Net interest margin | 3.2594% | 6,136 |
| Noninterest income to average assets | 0.4745% | 4,323 |
| Noninterest expense to average assets | 3.1338% | 3,169 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2029% | 5,551 |
| Return on assets (ROA) | 0.2029% | 5,683 |
| Pretax return on assets | 0.3035% | 5,487 |
| Return on Equity (ROE) | 1.8657% | 5,671 |
| Retained earnings to average equity (ytd only) | 1.8657% | 4,937 |
| Net charge-offs to loans | 0.4699% | 3,130 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1.0226% | 4,766 |
| Efficiency ratio | 91.1707% | 1,249 |
| Assets per employee ($millions) | 3.0204% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4782% | 7,530 |
| Loan loss allowance to noncurrent loans | 32.3260% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 1.6819% | 3,918 |
| Noncurrent loans to loans | 1.4794% | 4,485 |
| Net loans and leases to total assets | 60.8062% | 4,905 |
| Net loans and leases to deposits | 68.2799% | 5,528 |
| Net loans and leases to core deposits | 68.2799% | 6,033 |
| Total domestic deposits to total assets | 89.0543% | 1,405 |
| Equity capital to assets | 10.7727% | 3,102 |
| Core capital (leverage) ratio | 11.2714% | 2,050 |
| Tier 1 risk-based capital ratio | 16.5077% | 2,465 |
| Total risk-based capital ratio | 16.9560% | 2,766 |
| Memoranda: | ||
| Average total assets | $119,278,330 | 4,583 |
| Average earning assets | $108,425,000 | 4,599 |
| Average equity | $12,970,670 | 4,448 |
| Average total loans | $75,339,330 | 4,590 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9512% | 7,494 |
| Cost of funding earning assets | 0.5666% | 7,584 |
| Net interest margin | 3.3846% | 5,639 |
| Noninterest income to average assets | 0.4894% | 4,131 |
| Noninterest expense to average assets | 3.1255% | 3,157 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2734% | 5,405 |
| Return on assets (ROA) | 0.2734% | 5,532 |
| Pretax return on assets | 0.4084% | 5,270 |
| Return on Equity (ROE) | 2.5022% | 5,558 |
| Retained earnings to average equity (ytd only) | 2.5022% | 4,637 |
| Net charge-offs to loans | 0.8357% | 1,863 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.7610% | 4,348 |
| Efficiency ratio | 88.4432% | 1,545 |
| Assets per employee ($millions) | 2.9015% | 6,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4844% | 7,603 |
| Loan loss allowance to noncurrent loans | 53.8462% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.4501% | 4,332 |
| Noncurrent loans to loans | 0.8997% | 5,519 |
| Net loans and leases to total assets | 65.6646% | 3,940 |
| Net loans and leases to deposits | 74.0761% | 4,729 |
| Net loans and leases to core deposits | 74.0761% | 5,493 |
| Total domestic deposits to total assets | 88.6448% | 1,708 |
| Equity capital to assets | 11.1838% | 2,604 |
| Core capital (leverage) ratio | 11.1159% | 2,154 |
| Tier 1 risk-based capital ratio | 16.0619% | 2,630 |
| Total risk-based capital ratio | 16.5217% | 2,933 |
| Memoranda: | ||
| Average total assets | $118,510,000 | 4,668 |
| Average earning assets | $106,600,500 | 4,682 |
| Average equity | $12,948,500 | 4,486 |
| Average total loans | $76,101,000 | 4,633 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 7,679 |
| Cost of funding earning assets | 0.8528% | 7,481 |
| Net interest margin | 3.1844% | 6,146 |
| Noninterest income to average assets | 0.4784% | 4,587 |
| Noninterest expense to average assets | 3.2193% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1183% | 5,153 |
| Return on assets (ROA) | 0.1183% | 5,209 |
| Pretax return on assets | 0.1864% | 5,037 |
| Return on Equity (ROE) | 1.0777% | 5,213 |
| Retained earnings to average equity (ytd only) | 1.0777% | 4,286 |
| Net charge-offs to loans | -0.2389% | 7,919 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5264% | 1,378 |
| Assets per employee ($millions) | 2.8800% | 6,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7009% | 7,377 |
| Loan loss allowance to noncurrent loans | 41.7323% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 1.2500% | 4,595 |
| Noncurrent loans to loans | 1.6794% | 4,130 |
| Net loans and leases to total assets | 62.0789% | 4,974 |
| Net loans and leases to deposits | 69.6245% | 5,653 |
| Net loans and leases to core deposits | 79.7862% | 6,123 |
| Total domestic deposits to total assets | 89.1624% | 1,404 |
| Equity capital to assets | 10.6788% | 2,984 |
| Core capital (leverage) ratio | 11.1191% | 2,157 |
| Tier 1 risk-based capital ratio | 15.9354% | 2,553 |
| Total risk-based capital ratio | 16.5912% | 2,743 |
| Memoranda: | ||
| Average total assets | $117,479,000 | 4,646 |
| Average earning assets | $107,994,000 | 4,628 |
| Average equity | $12,897,800 | 4,534 |
| Average total loans | $71,992,200 | 4,801 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1504% | 7,750 |
| Cost of funding earning assets | 0.9393% | 7,500 |
| Net interest margin | 3.2111% | 5,972 |
| Noninterest income to average assets | 0.4494% | 4,900 |
| Noninterest expense to average assets | 3.0997% | 3,652 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2218% | 5,085 |
| Return on assets (ROA) | 0.2218% | 5,166 |
| Pretax return on assets | 0.3282% | 4,986 |
| Return on Equity (ROE) | 2.0062% | 5,152 |
| Retained earnings to average equity (ytd only) | 2.0062% | 4,195 |
| Net charge-offs to loans | 0.0769% | 5,909 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 6.9995% | 2,496 |
| Efficiency ratio | 90.4270% | 1,652 |
| Assets per employee ($millions) | 3.1686% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4179% | 7,806 |
| Loan loss allowance to noncurrent loans | 39.2327% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 0.9214% | 5,228 |
| Noncurrent loans to loans | 1.0652% | 5,183 |
| Net loans and leases to total assets | 66.2201% | 4,381 |
| Net loans and leases to deposits | 74.9402% | 5,217 |
| Net loans and leases to core deposits | 86.6825% | 5,804 |
| Total domestic deposits to total assets | 88.3640% | 1,487 |
| Equity capital to assets | 11.3827% | 2,681 |
| Core capital (leverage) ratio | 11.1789% | 2,276 |
| Tier 1 risk-based capital ratio | 16.1815% | 2,564 |
| Total risk-based capital ratio | 16.5781% | 2,843 |
| Memoranda: | ||
| Average total assets | $116,609,000 | 4,683 |
| Average earning assets | $108,164,750 | 4,648 |
| Average equity | $12,893,000 | 4,566 |
| Average total loans | $71,085,250 | 4,875 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 7,816 |
| Cost of funding earning assets | 1.0179% | 7,513 |
| Net interest margin | 3.2026% | 5,905 |
| Noninterest income to average assets | 0.4274% | 5,060 |
| Noninterest expense to average assets | 3.0769% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2128% | 5,219 |
| Return on assets (ROA) | 0.2128% | 5,297 |
| Pretax return on assets | 0.3184% | 5,169 |
| Return on Equity (ROE) | 1.9436% | 5,322 |
| Retained earnings to average equity (ytd only) | 1.9436% | 4,261 |
| Net charge-offs to loans | 0.0806% | 5,403 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 6.6786% | 2,568 |
| Efficiency ratio | 90.6219% | 1,757 |
| Assets per employee ($millions) | 2.9959% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4784% | 7,814 |
| Loan loss allowance to noncurrent loans | 23.9651% | 6,902 |
| Noncurrent assets plus other real estate owned to assets | 1.1828% | 4,575 |
| Noncurrent loans to loans | 1.9961% | 3,529 |
| Net loans and leases to total assets | 58.7588% | 5,867 |
| Net loans and leases to deposits | 66.2604% | 6,366 |
| Net loans and leases to core deposits | 75.5031% | 6,707 |
| Total domestic deposits to total assets | 88.6787% | 1,446 |
| Equity capital to assets | 11.0491% | 2,871 |
| Core capital (leverage) ratio | 10.9777% | 2,416 |
| Tier 1 risk-based capital ratio | 17.0650% | 2,279 |
| Total risk-based capital ratio | 17.5027% | 2,475 |
| Memoranda: | ||
| Average total assets | $117,456,000 | 4,701 |
| Average earning assets | $108,847,670 | 4,663 |
| Average equity | $12,862,670 | 4,578 |
| Average total loans | $69,496,000 | 4,980 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2439% | 7,880 |
| Cost of funding earning assets | 1.1097% | 7,501 |
| Net interest margin | 3.1343% | 6,089 |
| Noninterest income to average assets | 0.4110% | 5,123 |
| Noninterest expense to average assets | 3.0706% | 3,488 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1596% | 5,789 |
| Return on assets (ROA) | 0.1596% | 5,957 |
| Pretax return on assets | 0.2378% | 5,856 |
| Return on Equity (ROE) | 1.4643% | 5,982 |
| Retained earnings to average equity (ytd only) | 1.4643% | 5,032 |
| Net charge-offs to loans | 0.0115% | 5,455 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 945 |
| Efficiency ratio | 92.8131% | 1,514 |
| Assets per employee ($millions) | 3.0790% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4978% | 7,831 |
| Loan loss allowance to noncurrent loans | 16.4358% | 7,339 |
| Noncurrent assets plus other real estate owned to assets | 2.0248% | 2,858 |
| Noncurrent loans to loans | 3.0289% | 2,155 |
| Net loans and leases to total assets | 60.8143% | 5,529 |
| Net loans and leases to deposits | 68.4739% | 6,134 |
| Net loans and leases to core deposits | 77.7019% | 6,556 |
| Total domestic deposits to total assets | 88.8139% | 1,329 |
| Equity capital to assets | 10.9793% | 2,980 |
| Core capital (leverage) ratio | 9.9152% | 3,498 |
| Tier 1 risk-based capital ratio | 16.5721% | 2,489 |
| Total risk-based capital ratio | 17.0334% | 2,699 |
| Memoranda: | ||
| Average total assets | $117,763,000 | 4,710 |
| Average earning assets | $108,861,000 | 4,671 |
| Average equity | $12,839,000 | 4,617 |
| Average total loans | $69,751,500 | 4,993 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3980% | 7,461 |
| Cost of funding earning assets | 1.4238% | 7,718 |
| Net interest margin | 3.9741% | 3,242 |
| Noninterest income to average assets | 0.4027% | 5,449 |
| Noninterest expense to average assets | 3.2437% | 3,173 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5408% | 4,572 |
| Return on assets (ROA) | 0.5408% | 4,416 |
| Pretax return on assets | 0.8143% | 4,015 |
| Return on Equity (ROE) | 4.7089% | 4,510 |
| Retained earnings to average equity (ytd only) | 0.8301% | 4,726 |
| Net charge-offs to loans | 0.0519% | 6,046 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 26.8824% | 1,265 |
| Efficiency ratio | 79.9341% | 2,606 |
| Assets per employee ($millions) | 3.2034% | 5,479 |
| Cash dividends to net income (ytd only)* | 82.3723% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5265% | 7,806 |
| Loan loss allowance to noncurrent loans | 25.3004% | 6,994 |
| Noncurrent assets plus other real estate owned to assets | 1.1939% | 3,861 |
| Noncurrent loans to loans | 2.0811% | 2,658 |
| Net loans and leases to total assets | 57.0644% | 6,328 |
| Net loans and leases to deposits | 64.1723% | 6,779 |
| Net loans and leases to core deposits | 73.8164% | 6,977 |
| Total domestic deposits to total assets | 88.9238% | 1,077 |
| Equity capital to assets | 10.8265% | 3,180 |
| Core capital (leverage) ratio | 11.0312% | 2,571 |
| Tier 1 risk-based capital ratio | 16.9187% | 2,337 |
| Total risk-based capital ratio | 17.3941% | 2,543 |
| Memoranda: | ||
| Average total assets | $112,248,200 | 4,715 |
| Average earning assets | $103,242,400 | 4,705 |
| Average equity | $12,890,400 | 4,606 |
| Average total loans | $65,467,400 | 5,041 |