Home > Freedom Bank > Performance and Condition Ratios
Freedom 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 | 4.2847% | 3,462 |
| Cost of funding earning assets | 1.7490% | 1,358 |
| Net interest margin | 2.5357% | 4,059 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 1.4694% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4367% | 1,147 |
| Return on assets (ROA) | 1.4361% | 1,116 |
| Pretax return on assets | 1.4361% | 1,557 |
| Return on Equity (ROE) | 15.2100% | 1,249 |
| Retained earnings to average equity (ytd only) | 6.6672% | 2,003 |
| Net charge-offs to loans | 0.0143% | 2,120 |
| Credit loss provision to net charge-offs | -19.4030% | 4,434 |
| Earnings coverage of net charge-offs (x) | 122.8209% | 813 |
| Efficiency ratio | 50.6033% | 3,936 |
| Assets per employee ($millions) | 9.0373% | 971 |
| Cash dividends to net income (ytd only)* | 56.1597% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 662 |
| Loan loss allowance to noncurrent loans | 370.5828% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3709% | 1,488 |
| Noncurrent loans to loans | 0.4585% | 1,635 |
| Net loans and leases to total assets | 79.5300% | 693 |
| Net loans and leases to deposits | 98.9893% | 596 |
| Net loans and leases to core deposits | 113.9546% | 816 |
| Total domestic deposits to total assets | 80.3400% | 3,408 |
| Equity capital to assets | 9.6051% | 2,267 |
| Core capital (leverage) ratio | 11.5221% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9082% | 1,559 |
| Memoranda: | ||
| Average total assets | $573,692,000 | 1,540 |
| Average earning assets | $549,586,400 | 1,494 |
| Average equity | $54,175,800 | 1,511 |
| Average total loans | $468,408,400 | 1,302 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2301% | 3,417 |
| Cost of funding earning assets | 1.6461% | 1,291 |
| Net interest margin | 2.5840% | 4,052 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 1.4678% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4905% | 1,144 |
| Return on assets (ROA) | 1.4905% | 1,120 |
| Pretax return on assets | 1.4905% | 1,573 |
| Return on Equity (ROE) | 15.8500% | 1,280 |
| Retained earnings to average equity (ytd only) | 6.9507% | 2,302 |
| Net charge-offs to loans | 0.0134% | 1,915 |
| Credit loss provision to net charge-offs | -27.6596% | 4,491 |
| Earnings coverage of net charge-offs (x) | 135.3617% | 784 |
| Efficiency ratio | 49.6677% | 3,939 |
| Assets per employee ($millions) | 9.0709% | 906 |
| Cash dividends to net income (ytd only)* | 56.1569% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7233% | 666 |
| Loan loss allowance to noncurrent loans | 315.5945% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 1,316 |
| Noncurrent loans to loans | 0.5461% | 1,459 |
| Net loans and leases to total assets | 79.5200% | 700 |
| Net loans and leases to deposits | 98.0948% | 611 |
| Net loans and leases to core deposits | 110.8723% | 843 |
| Total domestic deposits to total assets | 81.0600% | 3,372 |
| Equity capital to assets | 9.2528% | 2,255 |
| Core capital (leverage) ratio | 11.4851% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1695% | 1,516 |
| Memoranda: | ||
| Average total assets | $570,258,250 | 1,554 |
| Average earning assets | $546,165,250 | 1,506 |
| Average equity | $53,614,000 | 1,515 |
| Average total loans | $466,702,250 | 1,300 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 3,369 |
| Cost of funding earning assets | 1.5403% | 1,175 |
| Net interest margin | 2.6237% | 4,084 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 1.5077% | 4,326 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4653% | 1,177 |
| Return on assets (ROA) | 1.4653% | 1,165 |
| Pretax return on assets | 1.4653% | 1,661 |
| Return on Equity (ROE) | 15.5000% | 1,363 |
| Retained earnings to average equity (ytd only) | 6.0620% | 2,596 |
| Net charge-offs to loans | 0.0193% | 1,510 |
| Credit loss provision to net charge-offs | -28.8889% | 4,514 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 984 |
| Efficiency ratio | 50.7904% | 3,864 |
| Assets per employee ($millions) | 8.9216% | 936 |
| Cash dividends to net income (ytd only)* | 60.8957% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 697 |
| Loan loss allowance to noncurrent loans | 424.8164% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 1,624 |
| Noncurrent loans to loans | 0.4077% | 1,707 |
| Net loans and leases to total assets | 78.0200% | 830 |
| Net loans and leases to deposits | 96.1275% | 725 |
| Net loans and leases to core deposits | 105.8699% | 991 |
| Total domestic deposits to total assets | 81.1600% | 3,400 |
| Equity capital to assets | 9.1946% | 2,379 |
| Core capital (leverage) ratio | 11.3232% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9375% | 1,589 |
| Memoranda: | ||
| Average total assets | $566,831,333 | 1,562 |
| Average earning assets | $542,894,667 | 1,518 |
| Average equity | $53,580,000 | 1,517 |
| Average total loans | $465,691,333 | 1,291 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 3,175 |
| Cost of funding earning assets | 1.4545% | 931 |
| Net interest margin | 2.6795% | 4,094 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 1.5264% | 4,369 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.5213% | 1,141 |
| Return on assets (ROA) | 1.5213% | 1,122 |
| Pretax return on assets | 1.5213% | 1,623 |
| Return on Equity (ROE) | 15.8600% | 1,387 |
| Retained earnings to average equity (ytd only) | 5.9737% | 2,768 |
| Net charge-offs to loans | 0.0336% | 1,048 |
| Credit loss provision to net charge-offs | 87.1795% | 1,185 |
| Earnings coverage of net charge-offs (x) | 55.0769% | 1,064 |
| Efficiency ratio | 49.6838% | 3,965 |
| Assets per employee ($millions) | 8.9769% | 939 |
| Cash dividends to net income (ytd only)* | 62.3463% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 710 |
| Loan loss allowance to noncurrent loans | 382.9887% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3823% | 1,351 |
| Noncurrent loans to loans | 0.4592% | 1,568 |
| Net loans and leases to total assets | 81.8000% | 390 |
| Net loans and leases to deposits | 96.9903% | 601 |
| Net loans and leases to core deposits | 103.7158% | 936 |
| Total domestic deposits to total assets | 84.3400% | 3,016 |
| Equity capital to assets | 9.6802% | 2,013 |
| Core capital (leverage) ratio | 11.1964% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0233% | 1,621 |
| Memoranda: | ||
| Average total assets | $555,835,000 | 1,611 |
| Average earning assets | $531,586,500 | 1,565 |
| Average equity | $53,300,000 | 1,530 |
| Average total loans | $464,798,000 | 1,303 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5496% | 2,944 |
| Cost of funding earning assets | 0.4834% | 1,505 |
| Net interest margin | 3.0662% | 3,274 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.5142% | 4,408 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.8430% | 393 |
| Return on assets (ROA) | 1.8430% | 379 |
| Pretax return on assets | 1.8430% | 657 |
| Return on Equity (ROE) | 18.7900% | 600 |
| Retained earnings to average equity (ytd only) | 4.7125% | 3,167 |
| Net charge-offs to loans | 0.0148% | 1,831 |
| Credit loss provision to net charge-offs | 461.5385% | 715 |
| Earnings coverage of net charge-offs (x) | 161.4462% | 752 |
| Efficiency ratio | 44.3850% | 4,415 |
| Assets per employee ($millions) | 8.8112% | 972 |
| Cash dividends to net income (ytd only)* | 74.9166% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 849 |
| Loan loss allowance to noncurrent loans | 346.0339% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 1,254 |
| Noncurrent loans to loans | 0.4814% | 1,495 |
| Net loans and leases to total assets | 82.5800% | 363 |
| Net loans and leases to deposits | 97.6899% | 538 |
| Net loans and leases to core deposits | 104.1139% | 819 |
| Total domestic deposits to total assets | 84.5300% | 3,095 |
| Equity capital to assets | 9.4979% | 2,013 |
| Core capital (leverage) ratio | 11.1938% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7739% | 1,699 |
| Memoranda: | ||
| Average total assets | $553,113,200 | 1,602 |
| Average earning assets | $530,454,400 | 1,550 |
| Average equity | $54,260,400 | 1,515 |
| Average total loans | $439,502,600 | 1,294 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4064% | 2,901 |
| Cost of funding earning assets | 0.3649% | 1,569 |
| Net interest margin | 3.0415% | 3,112 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 1.5161% | 4,406 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.8204% | 413 |
| Return on assets (ROA) | 1.8204% | 405 |
| Pretax return on assets | 1.8204% | 702 |
| Return on Equity (ROE) | 18.4100% | 589 |
| Retained earnings to average equity (ytd only) | 4.9628% | 3,113 |
| Net charge-offs to loans | 0.0173% | 1,499 |
| Credit loss provision to net charge-offs | 401.7857% | 702 |
| Earnings coverage of net charge-offs (x) | 138.7500% | 781 |
| Efficiency ratio | 44.7132% | 4,438 |
| Assets per employee ($millions) | 8.4360% | 1,102 |
| Cash dividends to net income (ytd only)* | 73.0417% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 856 |
| Loan loss allowance to noncurrent loans | 350.9116% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 1,351 |
| Noncurrent loans to loans | 0.4874% | 1,583 |
| Net loans and leases to total assets | 80.6900% | 471 |
| Net loans and leases to deposits | 89.9041% | 895 |
| Net loans and leases to core deposits | 96.3439% | 982 |
| Total domestic deposits to total assets | 89.7500% | 1,762 |
| Equity capital to assets | 9.5163% | 1,873 |
| Core capital (leverage) ratio | 10.8511% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8764% | 1,747 |
| Memoranda: | ||
| Average total assets | $552,615,750 | 1,610 |
| Average earning assets | $530,244,000 | 1,565 |
| Average equity | $54,644,750 | 1,520 |
| Average total loans | $432,836,750 | 1,297 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2248% | 2,970 |
| Cost of funding earning assets | 0.3050% | 1,678 |
| Net interest margin | 2.9198% | 3,116 |
| Noninterest income to average assets | 0.4707% | 2,348 |
| Noninterest expense to average assets | 1.5024% | 4,416 |
| Loan and lease loss provision to assets | 0.0541% | 1,609 |
| Net operating income to assets | 1.7168% | 410 |
| Return on assets (ROA) | 1.7168% | 405 |
| Pretax return on assets | 1.7168% | 723 |
| Return on Equity (ROE) | 17.1493% | 550 |
| Retained earnings to average equity (ytd only) | 3.7501% | 3,182 |
| Net charge-offs to loans | 0.0234% | 1,254 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 98.1200% | 824 |
| Efficiency ratio | 45.8977% | 4,455 |
| Assets per employee ($millions) | 7.8020% | 1,417 |
| Cash dividends to net income (ytd only)* | 78.1329% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7636% | 856 |
| Loan loss allowance to noncurrent loans | 328.3133% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 1,349 |
| Noncurrent loans to loans | 0.5372% | 1,540 |
| Net loans and leases to total assets | 76.7250% | 657 |
| Net loans and leases to deposits | 85.3938% | 1,024 |
| Net loans and leases to core deposits | 91.1202% | 1,059 |
| Total domestic deposits to total assets | 89.8484% | 1,773 |
| Equity capital to assets | 9.4470% | 2,057 |
| Core capital (leverage) ratio | 10.5209% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9808% | 1,711 |
| Memoranda: | ||
| Average total assets | $554,040,333 | 1,614 |
| Average earning assets | $531,815,667 | 1,578 |
| Average equity | $55,465,667 | 1,533 |
| Average total loans | $427,070,000 | 1,307 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0921% | 2,999 |
| Cost of funding earning assets | 0.2825% | 1,794 |
| Net interest margin | 2.8096% | 3,109 |
| Noninterest income to average assets | 0.5465% | 1,918 |
| Noninterest expense to average assets | 1.4518% | 4,483 |
| Loan and lease loss provision to assets | 0.0541% | 1,413 |
| Net operating income to assets | 1.7470% | 365 |
| Return on assets (ROA) | 1.7470% | 369 |
| Pretax return on assets | 1.7470% | 622 |
| Return on Equity (ROE) | 16.9726% | 427 |
| Retained earnings to average equity (ytd only) | 3.2823% | 3,170 |
| Net charge-offs to loans | 0.0019% | 1,762 |
| Credit loss provision to net charge-offs | 3,750.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 1,247.5000% | 65 |
| Efficiency ratio | 44.6294% | 4,542 |
| Assets per employee ($millions) | 8.8838% | 960 |
| Cash dividends to net income (ytd only)* | 80.6612% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 886 |
| Loan loss allowance to noncurrent loans | 303.8769% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 1,363 |
| Noncurrent loans to loans | 0.5913% | 1,578 |
| Net loans and leases to total assets | 74.2489% | 642 |
| Net loans and leases to deposits | 83.0777% | 943 |
| Net loans and leases to core deposits | 88.6908% | 985 |
| Total domestic deposits to total assets | 89.3729% | 1,885 |
| Equity capital to assets | 9.9487% | 1,935 |
| Core capital (leverage) ratio | 10.6476% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8061% | 1,871 |
| Memoranda: | ||
| Average total assets | $554,089,500 | 1,618 |
| Average earning assets | $533,746,000 | 1,576 |
| Average equity | $57,033,000 | 1,546 |
| Average total loans | $424,284,000 | 1,311 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2093% | 3,452 |
| Cost of funding earning assets | 0.3981% | 1,556 |
| Net interest margin | 2.8112% | 3,636 |
| Noninterest income to average assets | 1.0188% | 966 |
| Noninterest expense to average assets | 1.5188% | 4,522 |
| Loan and lease loss provision to assets | 0.1123% | 1,123 |
| Net operating income to assets | 2.1070% | 281 |
| Return on assets (ROA) | 2.1070% | 297 |
| Pretax return on assets | 2.1070% | 489 |
| Return on Equity (ROE) | 19.9979% | 309 |
| Retained earnings to average equity (ytd only) | 9.2823% | 1,106 |
| Net charge-offs to loans | 0.0086% | 2,259 |
| Credit loss provision to net charge-offs | 1,666.6667% | 353 |
| Earnings coverage of net charge-offs (x) | 329.4167% | 378 |
| Efficiency ratio | 40.6308% | 4,674 |
| Assets per employee ($millions) | 8.4384% | 1,107 |
| Cash dividends to net income (ytd only)* | 53.5838% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7701% | 920 |
| Loan loss allowance to noncurrent loans | 274.8175% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 1,335 |
| Noncurrent loans to loans | 0.6441% | 1,549 |
| Net loans and leases to total assets | 76.1858% | 510 |
| Net loans and leases to deposits | 85.9318% | 780 |
| Net loans and leases to core deposits | 90.8405% | 933 |
| Total domestic deposits to total assets | 88.6585% | 1,699 |
| Equity capital to assets | 10.6445% | 2,053 |
| Core capital (leverage) ratio | 10.6184% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7642% | 1,943 |
| Memoranda: | ||
| Average total assets | $534,372,000 | 1,611 |
| Average earning assets | $516,904,400 | 1,554 |
| Average equity | $56,300,800 | 1,603 |
| Average total loans | $418,110,400 | 1,330 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2196% | 3,571 |
| Cost of funding earning assets | 0.4259% | 1,517 |
| Net interest margin | 2.7937% | 3,797 |
| Noninterest income to average assets | 1.0966% | 923 |
| Noninterest expense to average assets | 1.5444% | 4,542 |
| Loan and lease loss provision to assets | 0.1130% | 1,065 |
| Net operating income to assets | 2.1442% | 361 |
| Return on assets (ROA) | 2.1442% | 378 |
| Pretax return on assets | 2.1442% | 619 |
| Return on Equity (ROE) | 20.4059% | 398 |
| Retained earnings to average equity (ytd only) | 10.3189% | 1,223 |
| Net charge-offs to loans | 0.0093% | 1,974 |
| Credit loss provision to net charge-offs | 1,551.7241% | 390 |
| Earnings coverage of net charge-offs (x) | 309.8966% | 425 |
| Efficiency ratio | 40.6250% | 4,705 |
| Assets per employee ($millions) | 8.2993% | 1,130 |
| Cash dividends to net income (ytd only)* | 49.4319% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7968% | 935 |
| Loan loss allowance to noncurrent loans | 306.2604% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 1,691 |
| Noncurrent loans to loans | 0.5867% | 1,841 |
| Net loans and leases to total assets | 74.8418% | 624 |
| Net loans and leases to deposits | 84.5937% | 924 |
| Net loans and leases to core deposits | 89.9096% | 1,039 |
| Total domestic deposits to total assets | 88.4721% | 1,579 |
| Equity capital to assets | 10.7442% | 2,223 |
| Core capital (leverage) ratio | 10.5759% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8661% | 2,021 |
| Memoranda: | ||
| Average total assets | $530,840,750 | 1,633 |
| Average earning assets | $514,000,000 | 1,575 |
| Average equity | $55,779,750 | 1,631 |
| Average total loans | $416,286,250 | 1,357 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2354% | 3,600 |
| Cost of funding earning assets | 0.4410% | 1,589 |
| Net interest margin | 2.7944% | 3,800 |
| Noninterest income to average assets | 1.1175% | 909 |
| Noninterest expense to average assets | 1.5505% | 4,577 |
| Loan and lease loss provision to assets | 0.1136% | 1,110 |
| Net operating income to assets | 2.1611% | 367 |
| Return on assets (ROA) | 2.1611% | 383 |
| Pretax return on assets | 2.1611% | 621 |
| Return on Equity (ROE) | 20.7255% | 407 |
| Retained earnings to average equity (ytd only) | 11.0330% | 1,115 |
| Net charge-offs to loans | 0.0110% | 1,745 |
| Credit loss provision to net charge-offs | 1,304.3478% | 394 |
| Earnings coverage of net charge-offs (x) | 261.0870% | 418 |
| Efficiency ratio | 40.5328% | 4,735 |
| Assets per employee ($millions) | 7.6803% | 1,376 |
| Cash dividends to net income (ytd only)* | 46.7660% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7646% | 945 |
| Loan loss allowance to noncurrent loans | 282.3782% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 1,761 |
| Noncurrent loans to loans | 0.6249% | 1,848 |
| Net loans and leases to total assets | 74.9984% | 674 |
| Net loans and leases to deposits | 84.5204% | 1,025 |
| Net loans and leases to core deposits | 89.6165% | 1,165 |
| Total domestic deposits to total assets | 88.7341% | 1,424 |
| Equity capital to assets | 10.4962% | 2,393 |
| Core capital (leverage) ratio | 10.2892% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5993% | 2,123 |
| Memoranda: | ||
| Average total assets | $527,969,333 | 1,631 |
| Average earning assets | $511,587,333 | 1,570 |
| Average equity | $55,053,000 | 1,642 |
| Average total loans | $418,006,667 | 1,361 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3105% | 3,422 |
| Cost of funding earning assets | 0.4502% | 1,721 |
| Net interest margin | 2.8603% | 3,616 |
| Noninterest income to average assets | 1.2608% | 793 |
| Noninterest expense to average assets | 1.4665% | 4,682 |
| Loan and lease loss provision to assets | 0.1147% | 1,200 |
| Net operating income to assets | 2.4536% | 283 |
| Return on assets (ROA) | 2.4536% | 308 |
| Pretax return on assets | 2.4536% | 473 |
| Return on Equity (ROE) | 23.6110% | 312 |
| Retained earnings to average equity (ytd only) | 16.9817% | 428 |
| Net charge-offs to loans | 0.0247% | 1,262 |
| Credit loss provision to net charge-offs | 576.9231% | 564 |
| Earnings coverage of net charge-offs (x) | 129.1923% | 530 |
| Efficiency ratio | 36.3464% | 4,841 |
| Assets per employee ($millions) | 8.6857% | 918 |
| Cash dividends to net income (ytd only)* | 28.0773% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6867% | 1,076 |
| Loan loss allowance to noncurrent loans | 284.9678% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 2,006 |
| Noncurrent loans to loans | 0.5919% | 2,087 |
| Net loans and leases to total assets | 76.7403% | 564 |
| Net loans and leases to deposits | 86.2418% | 947 |
| Net loans and leases to core deposits | 91.1848% | 1,159 |
| Total domestic deposits to total assets | 88.9826% | 1,351 |
| Equity capital to assets | 10.2454% | 2,485 |
| Core capital (leverage) ratio | 10.5819% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2230% | 2,199 |
| Memoranda: | ||
| Average total assets | $523,143,000 | 1,624 |
| Average earning assets | $507,351,000 | 1,570 |
| Average equity | $54,364,500 | 1,647 |
| Average total loans | $421,784,500 | 1,353 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8657% | 3,125 |
| Cost of funding earning assets | 0.7097% | 1,673 |
| Net interest margin | 3.1559% | 3,480 |
| Noninterest income to average assets | 0.9029% | 1,256 |
| Noninterest expense to average assets | 1.5956% | 4,708 |
| Loan and lease loss provision to assets | 0.1973% | 1,980 |
| Net operating income to assets | 2.1598% | 195 |
| Return on assets (ROA) | 2.1598% | 207 |
| Pretax return on assets | 2.1598% | 318 |
| Return on Equity (ROE) | 20.5923% | 206 |
| Retained earnings to average equity (ytd only) | 11.2019% | 415 |
| Net charge-offs to loans | 0.2513% | 689 |
| Credit loss provision to net charge-offs | 92.0543% | 2,914 |
| Earnings coverage of net charge-offs (x) | 10.9990% | 2,423 |
| Efficiency ratio | 40.3677% | 4,861 |
| Assets per employee ($millions) | 8.1899% | 974 |
| Cash dividends to net income (ytd only)* | 45.6014% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6459% | 1,176 |
| Loan loss allowance to noncurrent loans | 239.0528% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.6131% | 1,722 |
| Noncurrent loans to loans | 0.6885% | 1,967 |
| Net loans and leases to total assets | 81.9770% | 295 |
| Net loans and leases to deposits | 92.4547% | 750 |
| Net loans and leases to core deposits | 97.9573% | 1,011 |
| Total domestic deposits to total assets | 88.6672% | 1,132 |
| Equity capital to assets | 10.5473% | 2,629 |
| Core capital (leverage) ratio | 10.2539% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8548% | 2,297 |
| Memoranda: | ||
| Average total assets | $481,569,600 | 1,604 |
| Average earning assets | $465,378,800 | 1,552 |
| Average equity | $50,509,200 | 1,678 |
| Average total loans | $410,628,200 | 1,320 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 3,102 |
| Cost of funding earning assets | 0.7706% | 1,633 |
| Net interest margin | 3.1828% | 3,537 |
| Noninterest income to average assets | 0.9981% | 1,027 |
| Noninterest expense to average assets | 1.6005% | 4,729 |
| Loan and lease loss provision to assets | 0.1053% | 3,001 |
| Net operating income to assets | 2.3670% | 166 |
| Return on assets (ROA) | 2.3670% | 174 |
| Pretax return on assets | 2.3670% | 252 |
| Return on Equity (ROE) | 22.6016% | 164 |
| Retained earnings to average equity (ytd only) | 12.3608% | 387 |
| Net charge-offs to loans | 0.0245% | 2,345 |
| Credit loss provision to net charge-offs | 500.0000% | 1,276 |
| Earnings coverage of net charge-offs (x) | 117.4400% | 702 |
| Efficiency ratio | 39.2970% | 4,908 |
| Assets per employee ($millions) | 8.6287% | 799 |
| Cash dividends to net income (ytd only)* | 45.3101% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7436% | 818 |
| Loan loss allowance to noncurrent loans | 173.6705% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.8454% | 1,372 |
| Noncurrent loans to loans | 1.0040% | 1,490 |
| Net loans and leases to total assets | 82.7388% | 384 |
| Net loans and leases to deposits | 93.2875% | 984 |
| Net loans and leases to core deposits | 99.5986% | 1,183 |
| Total domestic deposits to total assets | 88.6923% | 897 |
| Equity capital to assets | 10.5017% | 2,789 |
| Core capital (leverage) ratio | 10.3871% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4113% | 2,455 |
| Memoranda: | ||
| Average total assets | $475,019,000 | 1,604 |
| Average earning assets | $458,871,000 | 1,546 |
| Average equity | $49,747,500 | 1,693 |
| Average total loans | $407,479,750 | 1,324 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1107% | 3,025 |
| Cost of funding earning assets | 0.8662% | 1,513 |
| Net interest margin | 3.2445% | 3,541 |
| Noninterest income to average assets | 1.0987% | 824 |
| Noninterest expense to average assets | 1.6003% | 4,775 |
| Loan and lease loss provision to assets | 0.0965% | 3,067 |
| Net operating income to assets | 2.5331% | 133 |
| Return on assets (ROA) | 2.5331% | 144 |
| Pretax return on assets | 2.5331% | 202 |
| Return on Equity (ROE) | 24.2118% | 124 |
| Retained earnings to average equity (ytd only) | 14.0460% | 275 |
| Net charge-offs to loans | 0.0278% | 2,162 |
| Credit loss provision to net charge-offs | 401.7857% | 1,398 |
| Earnings coverage of net charge-offs (x) | 109.5357% | 660 |
| Efficiency ratio | 37.8332% | 4,954 |
| Assets per employee ($millions) | 8.2734% | 876 |
| Cash dividends to net income (ytd only)* | 41.9868% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7535% | 728 |
| Loan loss allowance to noncurrent loans | 478.8985% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 3,096 |
| Noncurrent loans to loans | 0.3662% | 3,095 |
| Net loans and leases to total assets | 81.4565% | 458 |
| Net loans and leases to deposits | 91.6113% | 1,201 |
| Net loans and leases to core deposits | 97.6828% | 1,436 |
| Total domestic deposits to total assets | 88.9153% | 781 |
| Equity capital to assets | 10.3013% | 2,924 |
| Core capital (leverage) ratio | 10.4612% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4375% | 2,426 |
| Memoranda: | ||
| Average total assets | $466,537,333 | 1,599 |
| Average earning assets | $450,242,000 | 1,539 |
| Average equity | $48,811,000 | 1,707 |
| Average total loans | $402,831,000 | 1,315 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3134% | 2,886 |
| Cost of funding earning assets | 1.0176% | 1,347 |
| Net interest margin | 3.2958% | 3,602 |
| Noninterest income to average assets | 0.5332% | 2,376 |
| Noninterest expense to average assets | 1.6067% | 4,852 |
| Loan and lease loss provision to assets | 0.0664% | 2,934 |
| Net operating income to assets | 2.0443% | 252 |
| Return on assets (ROA) | 2.0443% | 273 |
| Pretax return on assets | 2.0443% | 414 |
| Return on Equity (ROE) | 19.3752% | 194 |
| Retained earnings to average equity (ytd only) | 6.4640% | 1,726 |
| Net charge-offs to loans | 0.0060% | 2,357 |
| Credit loss provision to net charge-offs | 1,250.0000% | 485 |
| Earnings coverage of net charge-offs (x) | 397.1667% | 173 |
| Efficiency ratio | 43.2213% | 4,906 |
| Assets per employee ($millions) | 7.8642% | 782 |
| Cash dividends to net income (ytd only)* | 66.6378% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7842% | 731 |
| Loan loss allowance to noncurrent loans | 403.2295% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 2,896 |
| Noncurrent loans to loans | 0.4425% | 2,931 |
| Net loans and leases to total assets | 85.8930% | 145 |
| Net loans and leases to deposits | 96.9280% | 826 |
| Net loans and leases to core deposits | 105.7114% | 1,076 |
| Total domestic deposits to total assets | 88.6153% | 831 |
| Equity capital to assets | 10.5200% | 3,302 |
| Core capital (leverage) ratio | 10.7058% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2647% | 2,585 |
| Memoranda: | ||
| Average total assets | $451,603,500 | 1,605 |
| Average earning assets | $436,315,000 | 1,532 |
| Average equity | $47,648,500 | 1,737 |
| Average total loans | $398,461,000 | 1,298 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 2,725 |
| Cost of funding earning assets | 1.1633% | 1,115 |
| Net interest margin | 3.4026% | 3,738 |
| Noninterest income to average assets | 0.5787% | 2,319 |
| Noninterest expense to average assets | 1.6868% | 4,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.1828% | 230 |
| Return on assets (ROA) | 2.1828% | 243 |
| Pretax return on assets | 2.1828% | 394 |
| Return on Equity (ROE) | 20.7702% | 174 |
| Retained earnings to average equity (ytd only) | 6.9767% | 1,400 |
| Net charge-offs to loans | 0.0533% | 2,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 44.9242% | 1,215 |
| Efficiency ratio | 43.5908% | 4,991 |
| Assets per employee ($millions) | 7.9837% | 718 |
| Cash dividends to net income (ytd only)* | 66.4100% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7707% | 697 |
| Loan loss allowance to noncurrent loans | 800.9091% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 3,257 |
| Noncurrent loans to loans | 0.2211% | 3,659 |
| Net loans and leases to total assets | 87.4509% | 101 |
| Net loans and leases to deposits | 98.8566% | 686 |
| Net loans and leases to core deposits | 108.7191% | 930 |
| Total domestic deposits to total assets | 88.4624% | 905 |
| Equity capital to assets | 10.5826% | 3,361 |
| Core capital (leverage) ratio | 10.5310% | 2,922 |
| Tier 1 risk-based capital ratio | 12.4790% | 4,078 |
| Total risk-based capital ratio | 13.7363% | 3,959 |
| Memoranda: | ||
| Average total assets | $434,252,000 | 1,610 |
| Average earning assets | $420,001,800 | 1,546 |
| Average equity | $45,637,600 | 1,736 |
| Average total loans | $395,758,800 | 1,277 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5815% | 2,785 |
| Cost of funding earning assets | 1.1746% | 1,097 |
| Net interest margin | 3.4069% | 3,850 |
| Noninterest income to average assets | 0.5552% | 2,433 |
| Noninterest expense to average assets | 1.6750% | 4,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.1757% | 281 |
| Return on assets (ROA) | 2.1757% | 296 |
| Pretax return on assets | 2.1757% | 472 |
| Return on Equity (ROE) | 20.7401% | 213 |
| Retained earnings to average equity (ytd only) | 7.0382% | 1,843 |
| Net charge-offs to loans | 0.0577% | 2,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 41.1353% | 1,352 |
| Efficiency ratio | 43.4975% | 5,034 |
| Assets per employee ($millions) | 7.8600% | 728 |
| Cash dividends to net income (ytd only)* | 66.0649% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7943% | 688 |
| Loan loss allowance to noncurrent loans | 468.7831% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 2,756 |
| Noncurrent loans to loans | 0.3828% | 3,184 |
| Net loans and leases to total assets | 88.1341% | 90 |
| Net loans and leases to deposits | 99.6419% | 667 |
| Net loans and leases to core deposits | 109.6637% | 963 |
| Total domestic deposits to total assets | 88.4508% | 847 |
| Equity capital to assets | 10.5675% | 3,488 |
| Core capital (leverage) ratio | 10.5529% | 3,055 |
| Tier 1 risk-based capital ratio | 12.3061% | 4,256 |
| Total risk-based capital ratio | 13.5638% | 4,132 |
| Memoranda: | ||
| Average total assets | $431,043,750 | 1,633 |
| Average earning assets | $416,942,250 | 1,563 |
| Average equity | $45,218,750 | 1,750 |
| Average total loans | $395,191,500 | 1,287 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 2,755 |
| Cost of funding earning assets | 1.1852% | 1,031 |
| Net interest margin | 3.3885% | 3,927 |
| Noninterest income to average assets | 0.5453% | 2,415 |
| Noninterest expense to average assets | 1.6584% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1654% | 288 |
| Return on assets (ROA) | 2.1654% | 301 |
| Pretax return on assets | 2.1654% | 480 |
| Return on Equity (ROE) | 20.6935% | 215 |
| Retained earnings to average equity (ytd only) | 6.6359% | 1,986 |
| Net charge-offs to loans | 0.0774% | 1,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 30.2876% | 1,450 |
| Efficiency ratio | 43.3704% | 5,083 |
| Assets per employee ($millions) | 7.4791% | 821 |
| Cash dividends to net income (ytd only)* | 67.9327% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8109% | 665 |
| Loan loss allowance to noncurrent loans | 648.3577% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 3,147 |
| Noncurrent loans to loans | 0.2793% | 3,534 |
| Net loans and leases to total assets | 87.3167% | 139 |
| Net loans and leases to deposits | 98.3859% | 807 |
| Net loans and leases to core deposits | 108.3560% | 1,075 |
| Total domestic deposits to total assets | 88.7492% | 764 |
| Equity capital to assets | 10.3352% | 3,661 |
| Core capital (leverage) ratio | 10.4325% | 3,160 |
| Tier 1 risk-based capital ratio | 12.3007% | 4,240 |
| Total risk-based capital ratio | 13.5588% | 4,104 |
| Memoranda: | ||
| Average total assets | $428,005,330 | 1,644 |
| Average earning assets | $414,107,000 | 1,576 |
| Average equity | $44,787,000 | 1,767 |
| Average total loans | $395,249,330 | 1,292 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 2,724 |
| Cost of funding earning assets | 1.1679% | 993 |
| Net interest margin | 3.3750% | 3,962 |
| Noninterest income to average assets | 0.4927% | 2,602 |
| Noninterest expense to average assets | 1.6375% | 5,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1197% | 306 |
| Return on assets (ROA) | 2.1197% | 323 |
| Pretax return on assets | 2.1197% | 506 |
| Return on Equity (ROE) | 20.1273% | 257 |
| Retained earnings to average equity (ytd only) | 5.6876% | 2,596 |
| Net charge-offs to loans | 0.0061% | 2,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 372.1667% | 209 |
| Efficiency ratio | 43.5826% | 5,116 |
| Assets per employee ($millions) | 7.6901% | 751 |
| Cash dividends to net income (ytd only)* | 71.7421% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8231% | 675 |
| Loan loss allowance to noncurrent loans | 497.1213% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 3,227 |
| Noncurrent loans to loans | 0.3667% | 3,267 |
| Net loans and leases to total assets | 92.3456% | 18 |
| Net loans and leases to deposits | 104.3589% | 385 |
| Net loans and leases to core deposits | 115.1459% | 677 |
| Total domestic deposits to total assets | 88.4885% | 1,094 |
| Equity capital to assets | 10.5710% | 3,285 |
| Core capital (leverage) ratio | 10.6632% | 2,882 |
| Tier 1 risk-based capital ratio | 10.9751% | 4,989 |
| Total risk-based capital ratio | 12.2316% | 4,889 |
| Memoranda: | ||
| Average total assets | $421,374,500 | 1,679 |
| Average earning assets | $407,586,500 | 1,603 |
| Average equity | $44,377,500 | 1,767 |
| Average total loans | $396,671,000 | 1,288 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3727% | 2,854 |
| Cost of funding earning assets | 0.8328% | 1,372 |
| Net interest margin | 3.5399% | 3,573 |
| Noninterest income to average assets | 0.5443% | 2,585 |
| Noninterest expense to average assets | 1.7070% | 5,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.2506% | 233 |
| Return on assets (ROA) | 2.2506% | 224 |
| Pretax return on assets | 2.2506% | 322 |
| Return on Equity (ROE) | 21.6630% | 167 |
| Retained earnings to average equity (ytd only) | 5.3472% | 2,563 |
| Net charge-offs to loans | -0.0104% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1323% | 5,208 |
| Assets per employee ($millions) | 7.2378% | 886 |
| Cash dividends to net income (ytd only)* | 75.3165% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8354% | 642 |
| Loan loss allowance to noncurrent loans | 475.0654% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3728% | 3,060 |
| Noncurrent loans to loans | 0.3863% | 3,152 |
| Net loans and leases to total assets | 92.4858% | 23 |
| Net loans and leases to deposits | 108.5787% | 286 |
| Net loans and leases to core deposits | 118.8288% | 588 |
| Total domestic deposits to total assets | 85.1786% | 2,570 |
| Equity capital to assets | 10.4919% | 3,201 |
| Core capital (leverage) ratio | 10.6750% | 2,858 |
| Tier 1 risk-based capital ratio | 10.8149% | 5,060 |
| Total risk-based capital ratio | 12.0713% | 4,945 |
| Memoranda: | ||
| Average total assets | $410,597,800 | 1,669 |
| Average earning assets | $395,909,600 | 1,602 |
| Average equity | $42,658,000 | 1,749 |
| Average total loans | $385,131,600 | 1,292 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 2,925 |
| Cost of funding earning assets | 0.7684% | 1,488 |
| Net interest margin | 3.5420% | 3,551 |
| Noninterest income to average assets | 0.5349% | 2,647 |
| Noninterest expense to average assets | 1.7258% | 5,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.2228% | 260 |
| Return on assets (ROA) | 2.2228% | 257 |
| Pretax return on assets | 2.2228% | 389 |
| Return on Equity (ROE) | 21.4499% | 190 |
| Retained earnings to average equity (ytd only) | 4.4274% | 3,537 |
| Net charge-offs to loans | -0.0373% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7066% | 5,223 |
| Assets per employee ($millions) | 7.5548% | 753 |
| Cash dividends to net income (ytd only)* | 79.3595% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8631% | 643 |
| Loan loss allowance to noncurrent loans | 396.0000% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 2,823 |
| Noncurrent loans to loans | 0.4705% | 2,979 |
| Net loans and leases to total assets | 92.8693% | 19 |
| Net loans and leases to deposits | 109.8818% | 291 |
| Net loans and leases to core deposits | 118.4547% | 629 |
| Total domestic deposits to total assets | 84.5175% | 2,786 |
| Equity capital to assets | 10.3821% | 3,251 |
| Core capital (leverage) ratio | 10.6247% | 2,959 |
| Tier 1 risk-based capital ratio | 10.7272% | 5,158 |
| Total risk-based capital ratio | 11.9841% | 5,057 |
| Memoranda: | ||
| Average total assets | $408,299,500 | 1,683 |
| Average earning assets | $393,512,250 | 1,621 |
| Average equity | $42,311,500 | 1,770 |
| Average total loans | $382,538,000 | 1,304 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 2,959 |
| Cost of funding earning assets | 0.7139% | 1,550 |
| Net interest margin | 3.5317% | 3,527 |
| Noninterest income to average assets | 0.5046% | 2,837 |
| Noninterest expense to average assets | 1.7108% | 5,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.1942% | 262 |
| Return on assets (ROA) | 2.1942% | 254 |
| Pretax return on assets | 2.1942% | 394 |
| Return on Equity (ROE) | 21.1868% | 194 |
| Retained earnings to average equity (ytd only) | 3.4495% | 3,854 |
| Net charge-offs to loans | -0.0786% | 5,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8107% | 5,288 |
| Assets per employee ($millions) | 7.1968% | 860 |
| Cash dividends to net income (ytd only)* | 83.7188% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9102% | 621 |
| Loan loss allowance to noncurrent loans | 377.2657% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 2,771 |
| Noncurrent loans to loans | 0.5063% | 2,902 |
| Net loans and leases to total assets | 92.2299% | 24 |
| Net loans and leases to deposits | 107.5440% | 370 |
| Net loans and leases to core deposits | 114.5370% | 769 |
| Total domestic deposits to total assets | 85.7602% | 2,388 |
| Equity capital to assets | 10.3533% | 3,277 |
| Core capital (leverage) ratio | 10.5282% | 3,004 |
| Tier 1 risk-based capital ratio | 10.7419% | 5,172 |
| Total risk-based capital ratio | 11.9992% | 5,066 |
| Memoranda: | ||
| Average total assets | $405,894,670 | 1,699 |
| Average earning assets | $390,798,670 | 1,635 |
| Average equity | $42,035,670 | 1,789 |
| Average total loans | $378,980,330 | 1,311 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 2,977 |
| Cost of funding earning assets | 0.6747% | 1,568 |
| Net interest margin | 3.4975% | 3,547 |
| Noninterest income to average assets | 0.4785% | 2,950 |
| Noninterest expense to average assets | 1.6506% | 5,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1866% | 251 |
| Return on assets (ROA) | 2.1866% | 251 |
| Pretax return on assets | 2.1866% | 389 |
| Return on Equity (ROE) | 21.1105% | 189 |
| Retained earnings to average equity (ytd only) | 1.0809% | 4,609 |
| Net charge-offs to loans | 0.0330% | 1,845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 71.1935% | 764 |
| Efficiency ratio | 43.0158% | 5,376 |
| Assets per employee ($millions) | 7.5326% | 756 |
| Cash dividends to net income (ytd only)* | 94.8799% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9076% | 648 |
| Loan loss allowance to noncurrent loans | 404.5020% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 3,007 |
| Noncurrent loans to loans | 0.4716% | 3,114 |
| Net loans and leases to total assets | 90.8681% | 45 |
| Net loans and leases to deposits | 104.7130% | 444 |
| Net loans and leases to core deposits | 112.3186% | 875 |
| Total domestic deposits to total assets | 86.7783% | 2,212 |
| Equity capital to assets | 10.2896% | 3,294 |
| Core capital (leverage) ratio | 10.4609% | 2,996 |
| Tier 1 risk-based capital ratio | 10.8189% | 5,239 |
| Total risk-based capital ratio | 12.0762% | 5,128 |
| Memoranda: | ||
| Average total assets | $403,734,000 | 1,719 |
| Average earning assets | $387,707,500 | 1,659 |
| Average equity | $41,818,000 | 1,802 |
| Average total loans | $375,615,500 | 1,325 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1788% | 2,765 |
| Cost of funding earning assets | 0.5714% | 1,820 |
| Net interest margin | 3.6074% | 3,140 |
| Noninterest income to average assets | 0.6246% | 2,335 |
| Noninterest expense to average assets | 1.7009% | 5,333 |
| Loan and lease loss provision to assets | 0.0925% | 2,354 |
| Net operating income to assets | 2.2932% | 163 |
| Return on assets (ROA) | 2.2932% | 163 |
| Pretax return on assets | 2.2932% | 268 |
| Return on Equity (ROE) | 21.9139% | 128 |
| Retained earnings to average equity (ytd only) | 4.7195% | 2,311 |
| Net charge-offs to loans | -0.1795% | 5,505 |
| Credit loss provision to net charge-offs | -55.0459% | 4,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6227% | 5,500 |
| Assets per employee ($millions) | 7.2856% | 852 |
| Cash dividends to net income (ytd only)* | 78.4634% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9280% | 617 |
| Loan loss allowance to noncurrent loans | 514.9073% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 3,377 |
| Noncurrent loans to loans | 0.3744% | 3,416 |
| Net loans and leases to total assets | 91.6400% | 39 |
| Net loans and leases to deposits | 104.9763% | 449 |
| Net loans and leases to core deposits | 112.3624% | 881 |
| Total domestic deposits to total assets | 87.2959% | 1,858 |
| Equity capital to assets | 10.4271% | 3,234 |
| Core capital (leverage) ratio | 10.5852% | 2,754 |
| Tier 1 risk-based capital ratio | 10.8094% | 5,252 |
| Total risk-based capital ratio | 12.0669% | 5,136 |
| Memoranda: | ||
| Average total assets | $389,376,400 | 1,755 |
| Average earning assets | $373,672,400 | 1,690 |
| Average equity | $40,745,800 | 1,820 |
| Average total loans | $364,298,600 | 1,329 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 2,772 |
| Cost of funding earning assets | 0.5499% | 1,892 |
| Net interest margin | 3.6068% | 3,125 |
| Noninterest income to average assets | 0.5840% | 2,566 |
| Noninterest expense to average assets | 1.7043% | 5,361 |
| Loan and lease loss provision to assets | 0.0931% | 2,222 |
| Net operating income to assets | 2.2503% | 194 |
| Return on assets (ROA) | 2.2503% | 193 |
| Pretax return on assets | 2.2503% | 321 |
| Return on Equity (ROE) | 21.4847% | 154 |
| Retained earnings to average equity (ytd only) | 4.5643% | 3,174 |
| Net charge-offs to loans | -0.0910% | 5,350 |
| Credit loss provision to net charge-offs | -109.3117% | 4,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1048% | 5,533 |
| Assets per employee ($millions) | 7.2284% | 860 |
| Cash dividends to net income (ytd only)* | 78.7554% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8323% | 798 |
| Loan loss allowance to noncurrent loans | 490.2991% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 3,531 |
| Noncurrent loans to loans | 0.3737% | 3,615 |
| Net loans and leases to total assets | 92.2640% | 31 |
| Net loans and leases to deposits | 106.5980% | 386 |
| Net loans and leases to core deposits | 113.2998% | 876 |
| Total domestic deposits to total assets | 86.5532% | 2,072 |
| Equity capital to assets | 10.5795% | 3,281 |
| Core capital (leverage) ratio | 10.6499% | 2,826 |
| Tier 1 risk-based capital ratio | 10.9460% | 5,274 |
| Total risk-based capital ratio | 12.2025% | 5,166 |
| Memoranda: | ||
| Average total assets | $386,544,000 | 1,774 |
| Average earning assets | $371,215,500 | 1,715 |
| Average equity | $40,486,750 | 1,850 |
| Average total loans | $361,766,750 | 1,348 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 2,777 |
| Cost of funding earning assets | 0.5242% | 1,969 |
| Net interest margin | 3.5902% | 3,079 |
| Noninterest income to average assets | 0.5378% | 2,777 |
| Noninterest expense to average assets | 1.6637% | 5,443 |
| Loan and lease loss provision to assets | 0.0934% | 2,122 |
| Net operating income to assets | 2.2259% | 203 |
| Return on assets (ROA) | 2.2259% | 204 |
| Pretax return on assets | 2.2259% | 338 |
| Return on Equity (ROE) | 21.3241% | 166 |
| Retained earnings to average equity (ytd only) | 3.8093% | 3,425 |
| Net charge-offs to loans | 0.0044% | 3,328 |
| Credit loss provision to net charge-offs | 2,250.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 558.5000% | 149 |
| Efficiency ratio | 41.7698% | 5,585 |
| Assets per employee ($millions) | 7.1968% | 848 |
| Cash dividends to net income (ytd only)* | 82.1362% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 969 |
| Loan loss allowance to noncurrent loans | 410.0965% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 3,141 |
| Noncurrent loans to loans | 0.4283% | 3,479 |
| Net loans and leases to total assets | 91.7782% | 40 |
| Net loans and leases to deposits | 106.4982% | 381 |
| Net loans and leases to core deposits | 114.6626% | 770 |
| Total domestic deposits to total assets | 86.1782% | 2,299 |
| Equity capital to assets | 10.4687% | 3,385 |
| Core capital (leverage) ratio | 10.6857% | 2,714 |
| Tier 1 risk-based capital ratio | 12.1669% | 4,514 |
| Total risk-based capital ratio | 13.4248% | 4,393 |
| Memoranda: | ||
| Average total assets | $385,281,330 | 1,782 |
| Average earning assets | $369,725,670 | 1,722 |
| Average equity | $40,217,330 | 1,861 |
| Average total loans | $360,069,670 | 1,358 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0783% | 2,735 |
| Cost of funding earning assets | 0.5098% | 2,008 |
| Net interest margin | 3.5685% | 3,015 |
| Noninterest income to average assets | 0.5412% | 2,703 |
| Noninterest expense to average assets | 1.5912% | 5,561 |
| Loan and lease loss provision to assets | 0.0938% | 1,974 |
| Net operating income to assets | 2.2794% | 197 |
| Return on assets (ROA) | 2.2794% | 202 |
| Pretax return on assets | 2.2794% | 313 |
| Return on Equity (ROE) | 21.8687% | 153 |
| Retained earnings to average equity (ytd only) | 3.0412% | 3,891 |
| Net charge-offs to loans | 0.0413% | 1,998 |
| Credit loss provision to net charge-offs | 243.2432% | 906 |
| Earnings coverage of net charge-offs (x) | 61.5135% | 793 |
| Efficiency ratio | 40.1368% | 5,696 |
| Assets per employee ($millions) | 7.9355% | 638 |
| Cash dividends to net income (ytd only)* | 86.0933% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7382% | 1,076 |
| Loan loss allowance to noncurrent loans | 329.5419% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 3,088 |
| Noncurrent loans to loans | 0.5275% | 3,230 |
| Net loans and leases to total assets | 90.9795% | 38 |
| Net loans and leases to deposits | 105.3782% | 343 |
| Net loans and leases to core deposits | 111.9043% | 779 |
| Total domestic deposits to total assets | 86.3362% | 2,521 |
| Equity capital to assets | 10.3262% | 3,380 |
| Core capital (leverage) ratio | 10.5039% | 2,898 |
| Tier 1 risk-based capital ratio | 12.2713% | 4,526 |
| Total risk-based capital ratio | 13.5293% | 4,426 |
| Memoranda: | ||
| Average total assets | $383,609,500 | 1,801 |
| Average earning assets | $367,993,500 | 1,742 |
| Average equity | $39,984,000 | 1,866 |
| Average total loans | $358,579,500 | 1,370 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 2,687 |
| Cost of funding earning assets | 0.5028% | 2,069 |
| Net interest margin | 3.6399% | 2,927 |
| Noninterest income to average assets | 0.8588% | 1,542 |
| Noninterest expense to average assets | 1.6441% | 5,608 |
| Loan and lease loss provision to assets | 0.2015% | 1,144 |
| Net operating income to assets | 2.5053% | 144 |
| Return on assets (ROA) | 2.5053% | 145 |
| Pretax return on assets | 2.5053% | 199 |
| Return on Equity (ROE) | 24.0741% | 91 |
| Retained earnings to average equity (ytd only) | 5.8746% | 1,780 |
| Net charge-offs to loans | 0.1402% | 1,856 |
| Credit loss provision to net charge-offs | 155.6017% | 1,766 |
| Earnings coverage of net charge-offs (x) | 20.8983% | 1,826 |
| Efficiency ratio | 37.7864% | 5,814 |
| Assets per employee ($millions) | 7.2766% | 814 |
| Cash dividends to net income (ytd only)* | 75.5980% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7374% | 1,064 |
| Loan loss allowance to noncurrent loans | 320.8376% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 3,107 |
| Noncurrent loans to loans | 0.5415% | 3,223 |
| Net loans and leases to total assets | 92.7459% | 21 |
| Net loans and leases to deposits | 104.6281% | 408 |
| Net loans and leases to core deposits | 111.1427% | 823 |
| Total domestic deposits to total assets | 88.6435% | 1,300 |
| Equity capital to assets | 10.5227% | 3,128 |
| Core capital (leverage) ratio | 10.6078% | 2,765 |
| Tier 1 risk-based capital ratio | 12.7067% | 4,270 |
| Total risk-based capital ratio | 13.9655% | 4,149 |
| Memoranda: | ||
| Average total assets | $372,126,400 | 1,802 |
| Average earning assets | $357,017,000 | 1,736 |
| Average equity | $38,726,200 | 1,898 |
| Average total loans | $343,850,000 | 1,360 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1301% | 2,761 |
| Cost of funding earning assets | 0.5068% | 2,048 |
| Net interest margin | 3.6232% | 2,995 |
| Noninterest income to average assets | 0.8880% | 1,448 |
| Noninterest expense to average assets | 1.6508% | 5,646 |
| Loan and lease loss provision to assets | 0.2375% | 816 |
| Net operating income to assets | 2.4798% | 159 |
| Return on assets (ROA) | 2.4798% | 166 |
| Pretax return on assets | 2.4798% | 228 |
| Return on Equity (ROE) | 23.8965% | 103 |
| Retained earnings to average equity (ytd only) | 5.3986% | 2,553 |
| Net charge-offs to loans | 0.1840% | 1,273 |
| Credit loss provision to net charge-offs | 140.4255% | 1,865 |
| Earnings coverage of net charge-offs (x) | 16.0681% | 2,142 |
| Efficiency ratio | 37.7924% | 5,868 |
| Assets per employee ($millions) | 7.1833% | 823 |
| Cash dividends to net income (ytd only)* | 77.4087% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 1,069 |
| Loan loss allowance to noncurrent loans | 301.6741% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 3,172 |
| Noncurrent loans to loans | 0.5865% | 3,247 |
| Net loans and leases to total assets | 91.0715% | 49 |
| Net loans and leases to deposits | 102.7473% | 521 |
| Net loans and leases to core deposits | 108.9042% | 994 |
| Total domestic deposits to total assets | 88.6364% | 1,081 |
| Equity capital to assets | 10.5053% | 3,559 |
| Core capital (leverage) ratio | 10.5601% | 2,924 |
| Tier 1 risk-based capital ratio | 13.0155% | 4,149 |
| Total risk-based capital ratio | 14.2750% | 4,059 |
| Memoranda: | ||
| Average total assets | $370,562,750 | 1,809 |
| Average earning assets | $355,915,250 | 1,745 |
| Average equity | $38,453,750 | 1,913 |
| Average total loans | $340,528,000 | 1,370 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1207% | 2,780 |
| Cost of funding earning assets | 0.5164% | 1,967 |
| Net interest margin | 3.6044% | 3,087 |
| Noninterest income to average assets | 0.9963% | 1,127 |
| Noninterest expense to average assets | 1.6516% | 5,721 |
| Loan and lease loss provision to assets | 0.3085% | 567 |
| Net operating income to assets | 2.4964% | 153 |
| Return on assets (ROA) | 2.4964% | 154 |
| Pretax return on assets | 2.4964% | 220 |
| Return on Equity (ROE) | 24.1573% | 101 |
| Retained earnings to average equity (ytd only) | 5.9019% | 2,179 |
| Net charge-offs to loans | 0.2286% | 1,026 |
| Credit loss provision to net charge-offs | 147.2868% | 1,612 |
| Earnings coverage of net charge-offs (x) | 13.3928% | 2,131 |
| Efficiency ratio | 37.0613% | 5,957 |
| Assets per employee ($millions) | 6.8012% | 952 |
| Cash dividends to net income (ytd only)* | 75.5690% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7961% | 1,082 |
| Loan loss allowance to noncurrent loans | 357.0595% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 3,381 |
| Noncurrent loans to loans | 0.5030% | 3,575 |
| Net loans and leases to total assets | 91.1130% | 37 |
| Net loans and leases to deposits | 102.9786% | 513 |
| Net loans and leases to core deposits | 109.1017% | 973 |
| Total domestic deposits to total assets | 88.4776% | 1,179 |
| Equity capital to assets | 10.5722% | 3,557 |
| Core capital (leverage) ratio | 10.4664% | 3,012 |
| Tier 1 risk-based capital ratio | 13.3596% | 3,981 |
| Total risk-based capital ratio | 14.6199% | 3,890 |
| Memoranda: | ||
| Average total assets | $369,572,330 | 1,814 |
| Average earning assets | $354,792,330 | 1,751 |
| Average equity | $38,191,330 | 1,929 |
| Average total loans | $338,600,670 | 1,378 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 2,850 |
| Cost of funding earning assets | 0.5107% | 2,021 |
| Net interest margin | 3.5869% | 3,137 |
| Noninterest income to average assets | 0.6474% | 2,280 |
| Noninterest expense to average assets | 1.5882% | 5,837 |
| Loan and lease loss provision to assets | 0.0971% | 2,072 |
| Net operating income to assets | 2.4104% | 181 |
| Return on assets (ROA) | 2.4104% | 189 |
| Pretax return on assets | 2.4104% | 275 |
| Return on Equity (ROE) | 23.5946% | 120 |
| Retained earnings to average equity (ytd only) | 4.6894% | 3,126 |
| Net charge-offs to loans | -0.0154% | 4,732 |
| Credit loss provision to net charge-offs | -692.3077% | 4,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7777% | 5,987 |
| Assets per employee ($millions) | 7.3053% | 772 |
| Cash dividends to net income (ytd only)* | 80.1253% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7857% | 1,178 |
| Loan loss allowance to noncurrent loans | 351.3671% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 3,441 |
| Noncurrent loans to loans | 0.5082% | 3,656 |
| Net loans and leases to total assets | 89.1652% | 81 |
| Net loans and leases to deposits | 101.1821% | 553 |
| Net loans and leases to core deposits | 106.5297% | 1,048 |
| Total domestic deposits to total assets | 88.1235% | 1,577 |
| Equity capital to assets | 10.2261% | 3,820 |
| Core capital (leverage) ratio | 10.2434% | 3,268 |
| Tier 1 risk-based capital ratio | 13.1026% | 4,200 |
| Total risk-based capital ratio | 14.3627% | 4,110 |
| Memoranda: | ||
| Average total assets | $370,725,500 | 1,809 |
| Average earning assets | $356,408,000 | 1,744 |
| Average equity | $37,873,000 | 1,936 |
| Average total loans | $337,527,500 | 1,375 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1634% | 2,698 |
| Cost of funding earning assets | 0.5087% | 2,083 |
| Net interest margin | 3.6547% | 2,919 |
| Noninterest income to average assets | 0.6527% | 2,447 |
| Noninterest expense to average assets | 1.6698% | 5,867 |
| Loan and lease loss provision to assets | 0.0997% | 2,316 |
| Net operating income to assets | 2.3928% | 176 |
| Return on assets (ROA) | 2.3928% | 181 |
| Pretax return on assets | 2.3928% | 250 |
| Return on Equity (ROE) | 23.7223% | 120 |
| Retained earnings to average equity (ytd only) | 6.8166% | 1,365 |
| Net charge-offs to loans | 0.2162% | 1,365 |
| Credit loss provision to net charge-offs | 50.6329% | 3,393 |
| Earnings coverage of net charge-offs (x) | 12.6596% | 2,443 |
| Efficiency ratio | 40.1171% | 6,062 |
| Assets per employee ($millions) | 7.0939% | 858 |
| Cash dividends to net income (ytd only)* | 71.2649% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7627% | 1,209 |
| Loan loss allowance to noncurrent loans | 301.5236% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6048% | 3,260 |
| Noncurrent loans to loans | 0.5846% | 3,423 |
| Net loans and leases to total assets | 89.6970% | 73 |
| Net loans and leases to deposits | 101.8704% | 546 |
| Net loans and leases to core deposits | 106.9564% | 1,049 |
| Total domestic deposits to total assets | 88.0501% | 1,603 |
| Equity capital to assets | 10.2057% | 3,739 |
| Core capital (leverage) ratio | 10.2477% | 3,203 |
| Tier 1 risk-based capital ratio | 13.0096% | 4,310 |
| Total risk-based capital ratio | 14.2694% | 4,210 |
| Memoranda: | ||
| Average total assets | $361,122,400 | 1,815 |
| Average earning assets | $346,782,200 | 1,753 |
| Average equity | $36,425,600 | 1,959 |
| Average total loans | $328,877,600 | 1,360 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 2,659 |
| Cost of funding earning assets | 0.5071% | 2,152 |
| Net interest margin | 3.6686% | 2,894 |
| Noninterest income to average assets | 0.6500% | 2,484 |
| Noninterest expense to average assets | 1.6868% | 5,911 |
| Loan and lease loss provision to assets | 0.1002% | 2,176 |
| Net operating income to assets | 2.3839% | 189 |
| Return on assets (ROA) | 2.3839% | 199 |
| Pretax return on assets | 2.3839% | 292 |
| Return on Equity (ROE) | 23.7054% | 144 |
| Retained earnings to average equity (ytd only) | 7.0725% | 1,655 |
| Net charge-offs to loans | 0.2778% | 963 |
| Credit loss provision to net charge-offs | 39.6476% | 3,162 |
| Earnings coverage of net charge-offs (x) | 9.8267% | 2,658 |
| Efficiency ratio | 40.4414% | 6,125 |
| Assets per employee ($millions) | 7.1706% | 807 |
| Cash dividends to net income (ytd only)* | 70.1651% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 1,292 |
| Loan loss allowance to noncurrent loans | 272.4618% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 3,230 |
| Noncurrent loans to loans | 0.6565% | 3,358 |
| Net loans and leases to total assets | 90.0014% | 66 |
| Net loans and leases to deposits | 102.4709% | 522 |
| Net loans and leases to core deposits | 107.6123% | 999 |
| Total domestic deposits to total assets | 87.8311% | 1,642 |
| Equity capital to assets | 10.3428% | 3,764 |
| Core capital (leverage) ratio | 10.1650% | 3,421 |
| Tier 1 risk-based capital ratio | 13.9209% | 3,894 |
| Total risk-based capital ratio | 15.1825% | 3,827 |
| Memoranda: | ||
| Average total assets | $359,182,250 | 1,837 |
| Average earning assets | $344,722,000 | 1,769 |
| Average equity | $36,120,250 | 1,986 |
| Average total loans | $326,893,500 | 1,373 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 2,729 |
| Cost of funding earning assets | 0.5003% | 2,251 |
| Net interest margin | 3.6462% | 2,923 |
| Noninterest income to average assets | 0.6394% | 2,530 |
| Noninterest expense to average assets | 1.6533% | 6,013 |
| Loan and lease loss provision to assets | 0.1002% | 2,156 |
| Net operating income to assets | 2.3862% | 197 |
| Return on assets (ROA) | 2.3862% | 208 |
| Pretax return on assets | 2.3862% | 296 |
| Return on Equity (ROE) | 23.9555% | 135 |
| Retained earnings to average equity (ytd only) | 7.9107% | 1,302 |
| Net charge-offs to loans | 0.4082% | 635 |
| Credit loss provision to net charge-offs | 27.0270% | 2,951 |
| Earnings coverage of net charge-offs (x) | 6.7087% | 2,747 |
| Efficiency ratio | 39.9382% | 6,206 |
| Assets per employee ($millions) | 6.7747% | 941 |
| Cash dividends to net income (ytd only)* | 66.9776% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7714% | 1,430 |
| Loan loss allowance to noncurrent loans | 258.4410% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7402% | 3,163 |
| Noncurrent loans to loans | 0.6854% | 3,431 |
| Net loans and leases to total assets | 87.9471% | 142 |
| Net loans and leases to deposits | 99.6704% | 686 |
| Net loans and leases to core deposits | 104.5241% | 1,157 |
| Total domestic deposits to total assets | 88.2379% | 1,524 |
| Equity capital to assets | 9.9985% | 4,042 |
| Core capital (leverage) ratio | 10.0007% | 3,603 |
| Tier 1 risk-based capital ratio | 12.9436% | 4,548 |
| Total risk-based capital ratio | 14.2034% | 4,458 |
| Memoranda: | ||
| Average total assets | $359,399,670 | 1,842 |
| Average earning assets | $345,019,000 | 1,773 |
| Average equity | $35,799,670 | 2,012 |
| Average total loans | $326,338,330 | 1,373 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 2,703 |
| Cost of funding earning assets | 0.4994% | 2,284 |
| Net interest margin | 3.6327% | 2,885 |
| Noninterest income to average assets | 0.6536% | 2,389 |
| Noninterest expense to average assets | 1.6396% | 6,072 |
| Loan and lease loss provision to assets | 0.1011% | 2,009 |
| Net operating income to assets | 2.4010% | 179 |
| Return on assets (ROA) | 2.4010% | 189 |
| Pretax return on assets | 2.4010% | 276 |
| Return on Equity (ROE) | 24.1510% | 124 |
| Retained earnings to average equity (ytd only) | 5.3995% | 2,836 |
| Net charge-offs to loans | 0.7515% | 308 |
| Credit loss provision to net charge-offs | 14.7059% | 2,400 |
| Earnings coverage of net charge-offs (x) | 3.6405% | 2,585 |
| Efficiency ratio | 39.5879% | 6,274 |
| Assets per employee ($millions) | 7.2408% | 762 |
| Cash dividends to net income (ytd only)* | 77.6427% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 1,550 |
| Loan loss allowance to noncurrent loans | 222.0254% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 3,133 |
| Noncurrent loans to loans | 0.7999% | 3,243 |
| Net loans and leases to total assets | 88.0891% | 102 |
| Net loans and leases to deposits | 99.6591% | 579 |
| Net loans and leases to core deposits | 103.7301% | 1,082 |
| Total domestic deposits to total assets | 88.3904% | 1,599 |
| Equity capital to assets | 9.8479% | 4,329 |
| Core capital (leverage) ratio | 9.9032% | 3,740 |
| Tier 1 risk-based capital ratio | 12.9940% | 4,611 |
| Total risk-based capital ratio | 14.2546% | 4,518 |
| Memoranda: | ||
| Average total assets | $356,181,500 | 1,865 |
| Average earning assets | $342,007,500 | 1,792 |
| Average equity | $35,410,500 | 2,041 |
| Average total loans | $325,735,500 | 1,376 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2995% | 2,609 |
| Cost of funding earning assets | 0.5796% | 1,957 |
| Net interest margin | 3.7199% | 2,926 |
| Noninterest income to average assets | 0.6032% | 2,837 |
| Noninterest expense to average assets | 1.6767% | 6,182 |
| Loan and lease loss provision to assets | 0.0692% | 3,099 |
| Net operating income to assets | 2.4234% | 165 |
| Return on assets (ROA) | 2.4240% | 168 |
| Pretax return on assets | 2.4240% | 221 |
| Return on Equity (ROE) | 24.6848% | 111 |
| Retained earnings to average equity (ytd only) | 6.2248% | 1,791 |
| Net charge-offs to loans | 0.0149% | 4,578 |
| Credit loss provision to net charge-offs | 510.6383% | 512 |
| Earnings coverage of net charge-offs (x) | 184.0213% | 292 |
| Efficiency ratio | 40.2157% | 6,396 |
| Assets per employee ($millions) | 7.1495% | 780 |
| Cash dividends to net income (ytd only)* | 74.7830% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9242% | 1,258 |
| Loan loss allowance to noncurrent loans | 400.5096% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 4,048 |
| Noncurrent loans to loans | 0.4804% | 4,220 |
| Net loans and leases to total assets | 91.4868% | 35 |
| Net loans and leases to deposits | 103.8851% | 436 |
| Net loans and leases to core deposits | 109.9225% | 780 |
| Total domestic deposits to total assets | 88.0654% | 1,733 |
| Equity capital to assets | 10.0387% | 4,059 |
| Core capital (leverage) ratio | 10.0383% | 3,519 |
| Tier 1 risk-based capital ratio | 11.6868% | 5,553 |
| Total risk-based capital ratio | 12.9473% | 5,457 |
| Memoranda: | ||
| Average total assets | $346,995,200 | 1,877 |
| Average earning assets | $332,640,200 | 1,804 |
| Average equity | $34,073,600 | 2,047 |
| Average total loans | $314,968,000 | 1,370 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 2,698 |
| Cost of funding earning assets | 0.5872% | 1,950 |
| Net interest margin | 3.6960% | 3,035 |
| Noninterest income to average assets | 0.6036% | 2,846 |
| Noninterest expense to average assets | 1.6789% | 6,222 |
| Loan and lease loss provision to assets | 0.0751% | 2,842 |
| Net operating income to assets | 2.3938% | 169 |
| Return on assets (ROA) | 2.3946% | 169 |
| Pretax return on assets | 2.3946% | 256 |
| Return on Equity (ROE) | 24.5241% | 111 |
| Retained earnings to average equity (ytd only) | 6.0630% | 2,372 |
| Net charge-offs to loans | 0.0043% | 4,554 |
| Credit loss provision to net charge-offs | 1,950.0000% | 184 |
| Earnings coverage of net charge-offs (x) | 641.1440% | 122 |
| Efficiency ratio | 40.4773% | 6,444 |
| Assets per employee ($millions) | 7.1775% | 744 |
| Cash dividends to net income (ytd only)* | 75.2774% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9531% | 1,344 |
| Loan loss allowance to noncurrent loans | 391.5212% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5445% | 4,234 |
| Noncurrent loans to loans | 0.4989% | 4,429 |
| Net loans and leases to total assets | 91.5059% | 34 |
| Net loans and leases to deposits | 104.0171% | 406 |
| Net loans and leases to core deposits | 108.8178% | 810 |
| Total domestic deposits to total assets | 87.9720% | 1,787 |
| Equity capital to assets | 10.0348% | 4,124 |
| Core capital (leverage) ratio | 9.7259% | 4,036 |
| Tier 1 risk-based capital ratio | 11.6713% | 5,687 |
| Total risk-based capital ratio | 12.9321% | 5,602 |
| Memoranda: | ||
| Average total assets | $346,162,750 | 1,888 |
| Average earning assets | $331,951,500 | 1,820 |
| Average equity | $33,800,000 | 2,065 |
| Average total loans | $312,012,750 | 1,393 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 2,804 |
| Cost of funding earning assets | 0.5858% | 2,019 |
| Net interest margin | 3.6547% | 3,123 |
| Noninterest income to average assets | 0.6022% | 2,807 |
| Noninterest expense to average assets | 1.6561% | 6,311 |
| Loan and lease loss provision to assets | 0.0865% | 2,584 |
| Net operating income to assets | 2.3651% | 173 |
| Return on assets (ROA) | 2.3662% | 177 |
| Pretax return on assets | 2.3662% | 268 |
| Return on Equity (ROE) | 24.4584% | 122 |
| Retained earnings to average equity (ytd only) | 6.6304% | 1,962 |
| Net charge-offs to loans | -0.0065% | 5,223 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3174% | 6,515 |
| Assets per employee ($millions) | 7.6125% | 586 |
| Cash dividends to net income (ytd only)* | 72.8913% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0109% | 1,338 |
| Loan loss allowance to noncurrent loans | 507.2993% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.4215% | 4,741 |
| Noncurrent loans to loans | 0.3964% | 4,804 |
| Net loans and leases to total assets | 85.1921% | 228 |
| Net loans and leases to deposits | 96.2146% | 789 |
| Net loans and leases to core deposits | 99.6401% | 1,313 |
| Total domestic deposits to total assets | 88.5438% | 1,610 |
| Equity capital to assets | 9.5422% | 4,699 |
| Core capital (leverage) ratio | 9.6981% | 4,047 |
| Tier 1 risk-based capital ratio | 11.6896% | 5,697 |
| Total risk-based capital ratio | 12.9507% | 5,640 |
| Memoranda: | ||
| Average total assets | $346,710,330 | 1,883 |
| Average earning assets | $332,557,670 | 1,814 |
| Average equity | $33,542,670 | 2,063 |
| Average total loans | $308,838,330 | 1,400 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 2,710 |
| Cost of funding earning assets | 0.5886% | 2,081 |
| Net interest margin | 3.6549% | 3,041 |
| Noninterest income to average assets | 0.4936% | 3,465 |
| Noninterest expense to average assets | 1.6484% | 6,391 |
| Loan and lease loss provision to assets | 0.0879% | 2,449 |
| Net operating income to assets | 2.2663% | 212 |
| Return on assets (ROA) | 2.2687% | 219 |
| Pretax return on assets | 2.2687% | 322 |
| Return on Equity (ROE) | 23.2827% | 168 |
| Retained earnings to average equity (ytd only) | 5.4748% | 2,800 |
| Net charge-offs to loans | 0.0013% | 3,648 |
| Credit loss provision to net charge-offs | 7,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 2,008.0000% | 6 |
| Efficiency ratio | 41.1834% | 6,567 |
| Assets per employee ($millions) | 7.4061% | 659 |
| Cash dividends to net income (ytd only)* | 76.4858% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0296% | 1,457 |
| Loan loss allowance to noncurrent loans | 430.4955% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 4,666 |
| Noncurrent loans to loans | 0.4715% | 4,749 |
| Net loans and leases to total assets | 85.5498% | 162 |
| Net loans and leases to deposits | 96.7456% | 607 |
| Net loans and leases to core deposits | 100.1928% | 1,095 |
| Total domestic deposits to total assets | 88.4275% | 1,975 |
| Equity capital to assets | 9.6178% | 4,334 |
| Core capital (leverage) ratio | 9.7693% | 3,904 |
| Tier 1 risk-based capital ratio | 11.6660% | 5,828 |
| Total risk-based capital ratio | 12.9272% | 5,769 |
| Memoranda: | ||
| Average total assets | $341,171,500 | 1,923 |
| Average earning assets | $327,561,000 | 1,837 |
| Average equity | $33,243,500 | 2,072 |
| Average total loans | $307,726,500 | 1,409 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 2,639 |
| Cost of funding earning assets | 0.6626% | 2,098 |
| Net interest margin | 3.7224% | 2,966 |
| Noninterest income to average assets | 0.5923% | 3,135 |
| Noninterest expense to average assets | 1.6624% | 6,474 |
| Loan and lease loss provision to assets | 0.0807% | 3,498 |
| Net operating income to assets | 2.4302% | 184 |
| Return on assets (ROA) | 2.4302% | 186 |
| Pretax return on assets | 2.4168% | 225 |
| Return on Equity (ROE) | 25.3650% | 117 |
| Retained earnings to average equity (ytd only) | 6.3132% | 1,796 |
| Net charge-offs to loans | 0.0632% | 4,331 |
| Credit loss provision to net charge-offs | 142.1053% | 1,642 |
| Earnings coverage of net charge-offs (x) | 43.9632% | 877 |
| Efficiency ratio | 39.9626% | 6,690 |
| Assets per employee ($millions) | 6.8216% | 836 |
| Cash dividends to net income (ytd only)* | 75.1107% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9567% | 1,657 |
| Loan loss allowance to noncurrent loans | 360.6509% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.5580% | 4,556 |
| Noncurrent loans to loans | 0.5425% | 4,636 |
| Net loans and leases to total assets | 91.3674% | 27 |
| Net loans and leases to deposits | 103.8034% | 331 |
| Net loans and leases to core deposits | 107.3035% | 722 |
| Total domestic deposits to total assets | 88.0197% | 2,172 |
| Equity capital to assets | 9.8753% | 3,932 |
| Core capital (leverage) ratio | 9.7311% | 3,940 |
| Tier 1 risk-based capital ratio | 11.4285% | 5,944 |
| Total risk-based capital ratio | 12.6891% | 5,882 |
| Memoranda: | ||
| Average total assets | $334,454,800 | 1,920 |
| Average earning assets | $320,548,000 | 1,855 |
| Average equity | $32,044,200 | 2,125 |
| Average total loans | $300,644,400 | 1,402 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 2,683 |
| Cost of funding earning assets | 0.6727% | 2,155 |
| Net interest margin | 3.7004% | 3,031 |
| Noninterest income to average assets | 0.6118% | 3,068 |
| Noninterest expense to average assets | 1.6593% | 6,509 |
| Loan and lease loss provision to assets | 0.1076% | 2,964 |
| Net operating income to assets | 2.4103% | 191 |
| Return on assets (ROA) | 2.4103% | 201 |
| Pretax return on assets | 2.3923% | 276 |
| Return on Equity (ROE) | 25.3513% | 114 |
| Retained earnings to average equity (ytd only) | 6.1712% | 2,300 |
| Net charge-offs to loans | 0.0336% | 4,459 |
| Credit loss provision to net charge-offs | 360.0000% | 729 |
| Earnings coverage of net charge-offs (x) | 83.6246% | 568 |
| Efficiency ratio | 39.8946% | 6,755 |
| Assets per employee ($millions) | 7.2901% | 650 |
| Cash dividends to net income (ytd only)* | 75.6573% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0462% | 1,621 |
| Loan loss allowance to noncurrent loans | 360.6272% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 4,528 |
| Noncurrent loans to loans | 0.5674% | 4,789 |
| Net loans and leases to total assets | 88.6499% | 67 |
| Net loans and leases to deposits | 100.5224% | 448 |
| Net loans and leases to core deposits | 103.6837% | 894 |
| Total domestic deposits to total assets | 88.1892% | 2,008 |
| Equity capital to assets | 9.6772% | 4,327 |
| Core capital (leverage) ratio | 9.5959% | 4,251 |
| Tier 1 risk-based capital ratio | 11.4689% | 6,073 |
| Total risk-based capital ratio | 12.7307% | 6,032 |
| Memoranda: | ||
| Average total assets | $334,504,000 | 1,930 |
| Average earning assets | $320,681,750 | 1,865 |
| Average equity | $31,803,000 | 2,162 |
| Average total loans | $297,931,000 | 1,417 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 2,708 |
| Cost of funding earning assets | 0.6819% | 2,211 |
| Net interest margin | 3.6795% | 3,037 |
| Noninterest income to average assets | 0.6588% | 2,866 |
| Noninterest expense to average assets | 1.6642% | 6,540 |
| Loan and lease loss provision to assets | 0.1077% | 2,996 |
| Net operating income to assets | 2.4433% | 185 |
| Return on assets (ROA) | 2.4433% | 197 |
| Pretax return on assets | 2.4163% | 303 |
| Return on Equity (ROE) | 25.8527% | 112 |
| Retained earnings to average equity (ytd only) | 6.8383% | 1,962 |
| Net charge-offs to loans | 0.0372% | 4,164 |
| Credit loss provision to net charge-offs | 327.2727% | 797 |
| Earnings coverage of net charge-offs (x) | 76.6909% | 592 |
| Efficiency ratio | 39.7342% | 6,807 |
| Assets per employee ($millions) | 6.9445% | 736 |
| Cash dividends to net income (ytd only)* | 73.5489% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0431% | 1,758 |
| Loan loss allowance to noncurrent loans | 442.3631% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 4,882 |
| Noncurrent loans to loans | 0.4619% | 5,109 |
| Net loans and leases to total assets | 88.3149% | 80 |
| Net loans and leases to deposits | 100.0836% | 422 |
| Net loans and leases to core deposits | 103.0662% | 880 |
| Total domestic deposits to total assets | 88.2411% | 2,081 |
| Equity capital to assets | 9.6203% | 4,423 |
| Core capital (leverage) ratio | 9.5707% | 4,120 |
| Tier 1 risk-based capital ratio | 11.6592% | 6,026 |
| Total risk-based capital ratio | 12.9213% | 5,964 |
| Memoranda: | ||
| Average total assets | $334,223,670 | 1,939 |
| Average earning assets | $320,590,330 | 1,870 |
| Average equity | $31,586,670 | 2,180 |
| Average total loans | $296,077,000 | 1,427 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3617% | 2,651 |
| Cost of funding earning assets | 0.6865% | 2,332 |
| Net interest margin | 3.6753% | 2,969 |
| Noninterest income to average assets | 0.6526% | 2,864 |
| Noninterest expense to average assets | 1.6697% | 6,602 |
| Loan and lease loss provision to assets | 0.1076% | 2,901 |
| Net operating income to assets | 2.4550% | 167 |
| Return on assets (ROA) | 2.4550% | 180 |
| Pretax return on assets | 2.4012% | 308 |
| Return on Equity (ROE) | 26.2107% | 109 |
| Retained earnings to average equity (ytd only) | 8.3073% | 1,639 |
| Net charge-offs to loans | 0.0531% | 3,297 |
| Credit loss provision to net charge-offs | 230.7692% | 984 |
| Earnings coverage of net charge-offs (x) | 53.8205% | 636 |
| Efficiency ratio | 39.9600% | 6,873 |
| Assets per employee ($millions) | 7.3394% | 654 |
| Cash dividends to net income (ytd only)* | 68.3057% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0639% | 1,885 |
| Loan loss allowance to noncurrent loans | 447.6753% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.5542% | 5,009 |
| Noncurrent loans to loans | 0.4610% | 5,269 |
| Net loans and leases to total assets | 85.2577% | 151 |
| Net loans and leases to deposits | 96.3111% | 524 |
| Net loans and leases to core deposits | 99.1308% | 999 |
| Total domestic deposits to total assets | 88.5233% | 1,990 |
| Equity capital to assets | 9.3820% | 5,020 |
| Core capital (leverage) ratio | 9.5266% | 4,033 |
| Tier 1 risk-based capital ratio | 11.8213% | 6,018 |
| Total risk-based capital ratio | 13.0839% | 5,986 |
| Memoranda: | ||
| Average total assets | $334,666,500 | 1,961 |
| Average earning assets | $321,066,000 | 1,887 |
| Average equity | $31,346,000 | 2,221 |
| Average total loans | $293,852,000 | 1,442 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 2,664 |
| Cost of funding earning assets | 0.8962% | 1,957 |
| Net interest margin | 3.7876% | 3,281 |
| Noninterest income to average assets | 0.7479% | 2,507 |
| Noninterest expense to average assets | 1.6376% | 6,769 |
| Loan and lease loss provision to assets | 0.2772% | 2,433 |
| Net operating income to assets | 2.4588% | 161 |
| Return on assets (ROA) | 2.4588% | 175 |
| Pretax return on assets | 2.4588% | 270 |
| Return on Equity (ROE) | 27.2624% | 88 |
| Retained earnings to average equity (ytd only) | 11.4146% | 391 |
| Net charge-offs to loans | 0.0277% | 5,514 |
| Credit loss provision to net charge-offs | 1,139.2405% | 227 |
| Earnings coverage of net charge-offs (x) | 112.4304% | 342 |
| Efficiency ratio | 37.4419% | 6,981 |
| Assets per employee ($millions) | 7.0579% | 748 |
| Cash dividends to net income (ytd only)* | 58.1308% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0473% | 1,900 |
| Loan loss allowance to noncurrent loans | 373.6025% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.6409% | 4,868 |
| Noncurrent loans to loans | 0.5480% | 5,159 |
| Net loans and leases to total assets | 86.7545% | 112 |
| Net loans and leases to deposits | 98.0989% | 504 |
| Net loans and leases to core deposits | 101.4006% | 927 |
| Total domestic deposits to total assets | 88.4357% | 1,943 |
| Equity capital to assets | 9.3504% | 5,078 |
| Core capital (leverage) ratio | 9.3284% | 4,363 |
| Tier 1 risk-based capital ratio | 11.7192% | 5,945 |
| Total risk-based capital ratio | 12.9817% | 5,908 |
| Memoranda: | ||
| Average total assets | $324,627,800 | 1,982 |
| Average earning assets | $310,753,400 | 1,905 |
| Average equity | $29,278,400 | 2,297 |
| Average total loans | $285,296,000 | 1,465 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6984% | 2,812 |
| Cost of funding earning assets | 0.9279% | 1,996 |
| Net interest margin | 3.7705% | 3,466 |
| Noninterest income to average assets | 0.7153% | 2,637 |
| Noninterest expense to average assets | 1.6411% | 6,842 |
| Loan and lease loss provision to assets | 0.2788% | 2,339 |
| Net operating income to assets | 2.4051% | 205 |
| Return on assets (ROA) | 2.4051% | 220 |
| Pretax return on assets | 2.4051% | 337 |
| Return on Equity (ROE) | 26.9214% | 112 |
| Retained earnings to average equity (ytd only) | 11.4129% | 628 |
| Net charge-offs to loans | 0.0330% | 5,184 |
| Credit loss provision to net charge-offs | 964.2857% | 299 |
| Earnings coverage of net charge-offs (x) | 92.8439% | 451 |
| Efficiency ratio | 37.9452% | 7,046 |
| Assets per employee ($millions) | 7.2762% | 644 |
| Cash dividends to net income (ytd only)* | 57.6064% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 2,239 |
| Loan loss allowance to noncurrent loans | 346.2090% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 4,873 |
| Noncurrent loans to loans | 0.5708% | 5,293 |
| Net loans and leases to total assets | 87.8560% | 98 |
| Net loans and leases to deposits | 99.5736% | 461 |
| Net loans and leases to core deposits | 103.4227% | 899 |
| Total domestic deposits to total assets | 88.2323% | 1,888 |
| Equity capital to assets | 9.2115% | 5,582 |
| Core capital (leverage) ratio | 9.1318% | 4,864 |
| Tier 1 risk-based capital ratio | 11.5756% | 6,184 |
| Total risk-based capital ratio | 12.8377% | 6,154 |
| Memoranda: | ||
| Average total assets | $322,855,000 | 2,013 |
| Average earning assets | $309,090,500 | 1,934 |
| Average equity | $28,843,750 | 2,345 |
| Average total loans | $283,171,000 | 1,488 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 3,090 |
| Cost of funding earning assets | 0.9408% | 2,114 |
| Net interest margin | 3.7203% | 3,724 |
| Noninterest income to average assets | 0.6666% | 2,856 |
| Noninterest expense to average assets | 1.6463% | 6,886 |
| Loan and lease loss provision to assets | 0.2801% | 2,343 |
| Net operating income to assets | 2.3017% | 238 |
| Return on assets (ROA) | 2.3017% | 267 |
| Pretax return on assets | 2.3017% | 412 |
| Return on Equity (ROE) | 26.0380% | 133 |
| Retained earnings to average equity (ytd only) | 10.4772% | 857 |
| Net charge-offs to loans | 0.0200% | 5,128 |
| Credit loss provision to net charge-offs | 1,607.1429% | 201 |
| Earnings coverage of net charge-offs (x) | 148.1429% | 304 |
| Efficiency ratio | 38.9371% | 7,080 |
| Assets per employee ($millions) | 6.8316% | 799 |
| Cash dividends to net income (ytd only)* | 59.7620% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9261% | 2,456 |
| Loan loss allowance to noncurrent loans | 296.6719% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 4,849 |
| Noncurrent loans to loans | 0.6492% | 5,210 |
| Net loans and leases to total assets | 87.2050% | 105 |
| Net loans and leases to deposits | 98.4863% | 498 |
| Net loans and leases to core deposits | 102.7809% | 935 |
| Total domestic deposits to total assets | 88.5453% | 1,792 |
| Equity capital to assets | 8.8964% | 5,811 |
| Core capital (leverage) ratio | 8.9417% | 4,993 |
| Tier 1 risk-based capital ratio | 11.3727% | 6,296 |
| Total risk-based capital ratio | 12.6345% | 6,262 |
| Memoranda: | ||
| Average total assets | $321,330,330 | 2,019 |
| Average earning assets | $307,606,000 | 1,937 |
| Average equity | $28,404,670 | 2,360 |
| Average total loans | $279,739,670 | 1,504 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7034% | 3,044 |
| Cost of funding earning assets | 0.9670% | 2,183 |
| Net interest margin | 3.7364% | 3,659 |
| Noninterest income to average assets | 0.5773% | 3,359 |
| Noninterest expense to average assets | 1.6199% | 6,958 |
| Loan and lease loss provision to assets | 0.2830% | 2,206 |
| Net operating income to assets | 2.2513% | 259 |
| Return on assets (ROA) | 2.2513% | 314 |
| Pretax return on assets | 2.2513% | 491 |
| Return on Equity (ROE) | 25.5527% | 172 |
| Retained earnings to average equity (ytd only) | 9.3360% | 1,466 |
| Net charge-offs to loans | 0.0146% | 4,491 |
| Credit loss provision to net charge-offs | 2,250.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 201.5000% | 180 |
| Efficiency ratio | 38.9949% | 7,122 |
| Assets per employee ($millions) | 7.0782% | 733 |
| Cash dividends to net income (ytd only)* | 63.4637% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9794% | 2,424 |
| Loan loss allowance to noncurrent loans | 283.7880% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.7586% | 5,035 |
| Noncurrent loans to loans | 0.6975% | 5,269 |
| Net loans and leases to total assets | 82.2660% | 265 |
| Net loans and leases to deposits | 92.7569% | 746 |
| Net loans and leases to core deposits | 96.5184% | 1,255 |
| Total domestic deposits to total assets | 88.6899% | 1,893 |
| Equity capital to assets | 8.7050% | 5,868 |
| Core capital (leverage) ratio | 8.9125% | 4,979 |
| Tier 1 risk-based capital ratio | 11.6574% | 6,187 |
| Total risk-based capital ratio | 12.9193% | 6,154 |
| Memoranda: | ||
| Average total assets | $318,036,500 | 2,045 |
| Average earning assets | $304,461,500 | 1,957 |
| Average equity | $28,020,500 | 2,386 |
| Average total loans | $273,821,000 | 1,540 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0748% | 2,553 |
| Cost of funding earning assets | 1.1342% | 2,441 |
| Net interest margin | 3.9406% | 3,155 |
| Noninterest income to average assets | 0.4985% | 3,854 |
| Noninterest expense to average assets | 1.7276% | 7,035 |
| Loan and lease loss provision to assets | 0.3092% | 3,194 |
| Net operating income to assets | 0.9413% | 2,446 |
| Return on assets (ROA) | 0.9413% | 2,572 |
| Pretax return on assets | 2.2333% | 344 |
| Return on Equity (ROE) | 10.2813% | 1,961 |
| Retained earnings to average equity (ytd only) | 9.5308% | 667 |
| Net charge-offs to loans | 0.0743% | 5,577 |
| Credit loss provision to net charge-offs | 466.3212% | 482 |
| Earnings coverage of net charge-offs (x) | 38.3472% | 701 |
| Efficiency ratio | 40.4586% | 7,202 |
| Assets per employee ($millions) | 6.7495% | 839 |
| Cash dividends to net income (ytd only)* | 7.2993% | 3,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8930% | 2,588 |
| Loan loss allowance to noncurrent loans | 245.6954% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.9250% | 4,758 |
| Noncurrent loans to loans | 0.7705% | 5,152 |
| Net loans and leases to total assets | 86.7002% | 116 |
| Net loans and leases to deposits | 98.5430% | 526 |
| Net loans and leases to core deposits | 104.2020% | 892 |
| Total domestic deposits to total assets | 87.9821% | 2,173 |
| Equity capital to assets | 8.9211% | 5,652 |
| Core capital (leverage) ratio | 8.9988% | 4,793 |
| Tier 1 risk-based capital ratio | 11.5964% | 6,099 |
| Total risk-based capital ratio | 12.8578% | 6,070 |
| Memoranda: | ||
| Average total assets | $291,091,600 | 2,190 |
| Average earning assets | $278,613,200 | 2,109 |
| Average equity | $26,650,400 | 2,423 |
| Average total loans | $259,606,600 | 1,623 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 2,557 |
| Cost of funding earning assets | 1.1614% | 2,554 |
| Net interest margin | 3.9487% | 3,160 |
| Noninterest income to average assets | 0.4304% | 4,436 |
| Noninterest expense to average assets | 1.7472% | 7,047 |
| Loan and lease loss provision to assets | 0.3144% | 3,019 |
| Net operating income to assets | 1.2963% | 1,383 |
| Return on assets (ROA) | 1.2963% | 1,482 |
| Pretax return on assets | 2.1459% | 474 |
| Return on Equity (ROE) | 14.0613% | 1,031 |
| Retained earnings to average equity (ytd only) | 13.0508% | 380 |
| Net charge-offs to loans | 0.0615% | 5,352 |
| Credit loss provision to net charge-offs | 572.0339% | 479 |
| Earnings coverage of net charge-offs (x) | 44.7625% | 707 |
| Efficiency ratio | 41.5255% | 7,224 |
| Assets per employee ($millions) | 6.8640% | 792 |
| Cash dividends to net income (ytd only)* | 7.1865% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8550% | 2,768 |
| Loan loss allowance to noncurrent loans | 252.5789% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 1.0095% | 4,738 |
| Noncurrent loans to loans | 0.7344% | 5,408 |
| Net loans and leases to total assets | 88.3606% | 72 |
| Net loans and leases to deposits | 101.3328% | 416 |
| Net loans and leases to core deposits | 107.2941% | 796 |
| Total domestic deposits to total assets | 87.1984% | 2,532 |
| Equity capital to assets | 9.1813% | 5,539 |
| Core capital (leverage) ratio | 9.2572% | 4,534 |
| Tier 1 risk-based capital ratio | 11.9988% | 5,894 |
| Total risk-based capital ratio | 13.2603% | 5,877 |
| Memoranda: | ||
| Average total assets | $286,245,000 | 2,227 |
| Average earning assets | $273,802,750 | 2,147 |
| Average equity | $26,388,500 | 2,447 |
| Average total loans | $255,913,500 | 1,656 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0962% | 2,702 |
| Cost of funding earning assets | 1.1883% | 2,658 |
| Net interest margin | 3.9079% | 3,270 |
| Noninterest income to average assets | 0.4071% | 4,623 |
| Noninterest expense to average assets | 1.8122% | 7,072 |
| Loan and lease loss provision to assets | 0.3203% | 2,865 |
| Net operating income to assets | 1.2157% | 1,525 |
| Return on assets (ROA) | 1.2157% | 1,607 |
| Pretax return on assets | 2.0129% | 577 |
| Return on Equity (ROE) | 13.1680% | 1,162 |
| Retained earnings to average equity (ytd only) | 12.3970% | 469 |
| Net charge-offs to loans | 0.0455% | 5,214 |
| Credit loss provision to net charge-offs | 789.4737% | 421 |
| Earnings coverage of net charge-offs (x) | 57.5088% | 553 |
| Efficiency ratio | 43.7157% | 7,243 |
| Assets per employee ($millions) | 6.5611% | 902 |
| Cash dividends to net income (ytd only)* | 5.8548% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8945% | 2,685 |
| Loan loss allowance to noncurrent loans | 233.2696% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 4,790 |
| Noncurrent loans to loans | 0.8122% | 5,299 |
| Net loans and leases to total assets | 87.5346% | 91 |
| Net loans and leases to deposits | 99.4361% | 518 |
| Net loans and leases to core deposits | 105.5829% | 952 |
| Total domestic deposits to total assets | 88.0310% | 2,115 |
| Equity capital to assets | 9.2640% | 5,186 |
| Core capital (leverage) ratio | 9.4350% | 4,051 |
| Tier 1 risk-based capital ratio | 12.1435% | 5,672 |
| Total risk-based capital ratio | 13.4056% | 5,639 |
| Memoranda: | ||
| Average total assets | $280,987,670 | 2,281 |
| Average earning assets | $268,788,670 | 2,190 |
| Average equity | $25,941,670 | 2,470 |
| Average total loans | $250,582,000 | 1,708 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1133% | 2,588 |
| Cost of funding earning assets | 1.2591% | 2,439 |
| Net interest margin | 3.8542% | 3,360 |
| Noninterest income to average assets | 0.4041% | 4,668 |
| Noninterest expense to average assets | 1.8013% | 7,141 |
| Loan and lease loss provision to assets | 0.3247% | 2,599 |
| Net operating income to assets | 1.1879% | 1,555 |
| Return on assets (ROA) | 1.1879% | 1,603 |
| Pretax return on assets | 1.9673% | 591 |
| Return on Equity (ROE) | 12.8893% | 1,219 |
| Retained earnings to average equity (ytd only) | 12.8893% | 604 |
| Net charge-offs to loans | 0.0421% | 4,523 |
| Credit loss provision to net charge-offs | 865.3846% | 443 |
| Earnings coverage of net charge-offs (x) | 61.0769% | 486 |
| Efficiency ratio | 44.0056% | 7,279 |
| Assets per employee ($millions) | 6.3373% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9016% | 2,684 |
| Loan loss allowance to noncurrent loans | 220.2068% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0676% | 4,789 |
| Noncurrent loans to loans | 0.8636% | 5,312 |
| Net loans and leases to total assets | 86.6939% | 109 |
| Net loans and leases to deposits | 97.6964% | 588 |
| Net loans and leases to core deposits | 102.2178% | 1,186 |
| Total domestic deposits to total assets | 88.7380% | 1,932 |
| Equity capital to assets | 9.3075% | 4,714 |
| Core capital (leverage) ratio | 9.1946% | 4,297 |
| Tier 1 risk-based capital ratio | 12.0399% | 5,653 |
| Total risk-based capital ratio | 13.3012% | 5,637 |
| Memoranda: | ||
| Average total assets | $277,137,500 | 2,328 |
| Average earning assets | $265,271,000 | 2,233 |
| Average equity | $25,540,500 | 2,492 |
| Average total loans | $247,082,000 | 1,743 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5511% | 2,078 |
| Cost of funding earning assets | 1.4584% | 2,903 |
| Net interest margin | 4.0928% | 2,598 |
| Noninterest income to average assets | 0.6403% | 3,208 |
| Noninterest expense to average assets | 1.8603% | 7,208 |
| Loan and lease loss provision to assets | 0.4386% | 3,490 |
| Net operating income to assets | 1.3691% | 1,009 |
| Return on assets (ROA) | 1.3691% | 1,084 |
| Pretax return on assets | 2.2554% | 278 |
| Return on Equity (ROE) | 15.0558% | 710 |
| Retained earnings to average equity (ytd only) | 10.9039% | 392 |
| Net charge-offs to loans | 0.1534% | 5,429 |
| Credit loss provision to net charge-offs | 313.3515% | 842 |
| Earnings coverage of net charge-offs (x) | 19.2480% | 1,068 |
| Efficiency ratio | 40.8474% | 7,493 |
| Assets per employee ($millions) | 6.1208% | 1,135 |
| Cash dividends to net income (ytd only)* | 27.5766% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8112% | 2,829 |
| Loan loss allowance to noncurrent loans | 195.8533% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 1.2787% | 4,475 |
| Noncurrent loans to loans | 0.9248% | 5,204 |
| Net loans and leases to total assets | 88.3163% | 90 |
| Net loans and leases to deposits | 99.9959% | 577 |
| Net loans and leases to core deposits | 106.6076% | 1,148 |
| Total domestic deposits to total assets | 88.3199% | 2,050 |
| Equity capital to assets | 9.1231% | 4,960 |
| Core capital (leverage) ratio | 9.0527% | 4,446 |
| Tier 1 risk-based capital ratio | 11.8000% | 5,650 |
| Total risk-based capital ratio | 13.0603% | 5,635 |
| Memoranda: | ||
| Average total assets | $262,220,600 | 2,432 |
| Average earning assets | $250,760,000 | 2,336 |
| Average equity | $23,844,600 | 2,669 |
| Average total loans | $239,220,600 | 1,823 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5806% | 2,141 |
| Cost of funding earning assets | 1.4967% | 2,999 |
| Net interest margin | 4.0839% | 2,691 |
| Noninterest income to average assets | 0.5376% | 3,887 |
| Noninterest expense to average assets | 1.8801% | 7,235 |
| Loan and lease loss provision to assets | 0.4763% | 3,089 |
| Net operating income to assets | 1.2678% | 1,417 |
| Return on assets (ROA) | 1.2678% | 1,500 |
| Pretax return on assets | 2.0845% | 525 |
| Return on Equity (ROE) | 13.9543% | 1,046 |
| Retained earnings to average equity (ytd only) | 12.7074% | 381 |
| Net charge-offs to loans | 0.0394% | 6,164 |
| Credit loss provision to net charge-offs | 1,321.4286% | 229 |
| Earnings coverage of net charge-offs (x) | 71.0436% | 420 |
| Efficiency ratio | 42.3353% | 7,516 |
| Assets per employee ($millions) | 6.0898% | 1,183 |
| Cash dividends to net income (ytd only)* | 8.9360% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8736% | 2,561 |
| Loan loss allowance to noncurrent loans | 280.2090% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 1.1009% | 4,909 |
| Noncurrent loans to loans | 0.6686% | 5,865 |
| Net loans and leases to total assets | 89.1089% | 80 |
| Net loans and leases to deposits | 101.5844% | 552 |
| Net loans and leases to core deposits | 108.4890% | 1,124 |
| Total domestic deposits to total assets | 87.7191% | 2,150 |
| Equity capital to assets | 9.2446% | 5,235 |
| Core capital (leverage) ratio | 9.2497% | 4,278 |
| Tier 1 risk-based capital ratio | 12.0680% | 5,393 |
| Total risk-based capital ratio | 13.3298% | 5,357 |
| Memoranda: | ||
| Average total assets | $258,917,250 | 2,502 |
| Average earning assets | $247,471,000 | 2,400 |
| Average equity | $23,523,750 | 2,744 |
| Average total loans | $237,090,750 | 1,871 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5912% | 2,168 |
| Cost of funding earning assets | 1.5288% | 3,082 |
| Net interest margin | 4.0624% | 2,735 |
| Noninterest income to average assets | 0.4635% | 4,412 |
| Noninterest expense to average assets | 1.9007% | 7,262 |
| Loan and lease loss provision to assets | 0.5471% | 2,593 |
| Net operating income to assets | 1.1614% | 1,671 |
| Return on assets (ROA) | 1.1614% | 1,730 |
| Pretax return on assets | 1.8991% | 735 |
| Return on Equity (ROE) | 12.8613% | 1,270 |
| Retained earnings to average equity (ytd only) | 10.9572% | 668 |
| Net charge-offs to loans | 0.0417% | 5,792 |
| Credit loss provision to net charge-offs | 1,428.5714% | 278 |
| Earnings coverage of net charge-offs (x) | 63.8776% | 485 |
| Efficiency ratio | 43.7253% | 7,532 |
| Assets per employee ($millions) | 5.9090% | 1,292 |
| Cash dividends to net income (ytd only)* | 14.8048% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 2,649 |
| Loan loss allowance to noncurrent loans | 203.2198% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 1.1492% | 4,835 |
| Noncurrent loans to loans | 0.8984% | 5,479 |
| Net loans and leases to total assets | 90.0752% | 72 |
| Net loans and leases to deposits | 102.5768% | 564 |
| Net loans and leases to core deposits | 109.9834% | 1,164 |
| Total domestic deposits to total assets | 87.8125% | 2,099 |
| Equity capital to assets | 9.1532% | 5,207 |
| Core capital (leverage) ratio | 9.0287% | 4,557 |
| Tier 1 risk-based capital ratio | 11.7678% | 5,528 |
| Total risk-based capital ratio | 13.0288% | 5,475 |
| Memoranda: | ||
| Average total assets | $255,905,670 | 2,546 |
| Average earning assets | $244,635,330 | 2,448 |
| Average equity | $23,108,000 | 2,786 |
| Average total loans | $235,011,670 | 1,908 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5001% | 2,577 |
| Cost of funding earning assets | 1.5390% | 3,334 |
| Net interest margin | 3.9611% | 3,046 |
| Noninterest income to average assets | 0.4727% | 4,269 |
| Noninterest expense to average assets | 1.8656% | 7,389 |
| Loan and lease loss provision to assets | 0.5909% | 2,145 |
| Net operating income to assets | 1.0872% | 1,874 |
| Return on assets (ROA) | 1.0872% | 1,955 |
| Pretax return on assets | 1.8041% | 869 |
| Return on Equity (ROE) | 12.1249% | 1,463 |
| Retained earnings to average equity (ytd only) | 8.2590% | 1,602 |
| Net charge-offs to loans | 0.0514% | 4,891 |
| Credit loss provision to net charge-offs | 1,250.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 50.6667% | 571 |
| Efficiency ratio | 43.7870% | 7,628 |
| Assets per employee ($millions) | 5.8406% | 1,377 |
| Cash dividends to net income (ytd only)* | 31.8841% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7442% | 2,911 |
| Loan loss allowance to noncurrent loans | 141.9208% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 1.4398% | 4,348 |
| Noncurrent loans to loans | 1.2290% | 4,921 |
| Net loans and leases to total assets | 88.7543% | 102 |
| Net loans and leases to deposits | 101.1584% | 688 |
| Net loans and leases to core deposits | 111.6115% | 1,189 |
| Total domestic deposits to total assets | 87.7379% | 2,218 |
| Equity capital to assets | 8.9495% | 5,350 |
| Core capital (leverage) ratio | 9.0031% | 4,563 |
| Tier 1 risk-based capital ratio | 11.7622% | 5,440 |
| Total risk-based capital ratio | 13.0224% | 5,364 |
| Memoranda: | ||
| Average total assets | $253,860,500 | 2,616 |
| Average earning assets | $242,758,000 | 2,510 |
| Average equity | $22,763,000 | 2,842 |
| Average total loans | $233,244,000 | 1,973 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7716% | 2,776 |
| Cost of funding earning assets | 2.0779% | 2,583 |
| Net interest margin | 3.6937% | 4,172 |
| Noninterest income to average assets | 0.6290% | 3,432 |
| Noninterest expense to average assets | 1.9989% | 7,373 |
| Loan and lease loss provision to assets | 0.5409% | 3,665 |
| Net operating income to assets | 0.9805% | 1,905 |
| Return on assets (ROA) | 0.9805% | 1,960 |
| Pretax return on assets | 1.6287% | 905 |
| Return on Equity (ROE) | 10.9606% | 1,436 |
| Retained earnings to average equity (ytd only) | 7.4242% | 835 |
| Net charge-offs to loans | 0.1629% | 5,649 |
| Credit loss provision to net charge-offs | 358.1081% | 898 |
| Earnings coverage of net charge-offs (x) | 14.3649% | 1,375 |
| Efficiency ratio | 47.9534% | 7,632 |
| Assets per employee ($millions) | 6.1155% | 1,174 |
| Cash dividends to net income (ytd only)* | 32.2648% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 3,358 |
| Loan loss allowance to noncurrent loans | 159.5177% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 1.2647% | 4,560 |
| Noncurrent loans to loans | 0.9908% | 5,335 |
| Net loans and leases to total assets | 91.9891% | 36 |
| Net loans and leases to deposits | 105.0506% | 600 |
| Net loans and leases to core deposits | 125.4927% | 1,552 |
| Total domestic deposits to total assets | 87.5665% | 2,190 |
| Equity capital to assets | 8.9844% | 5,172 |
| Core capital (leverage) ratio | 8.9242% | 4,551 |
| Tier 1 risk-based capital ratio | 11.1302% | 5,798 |
| Total risk-based capital ratio | 12.3871% | 5,746 |
| Memoranda: | ||
| Average total assets | $244,984,200 | 2,661 |
| Average earning assets | $234,752,200 | 2,557 |
| Average equity | $21,914,800 | 2,954 |
| Average total loans | $227,184,800 | 2,043 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7854% | 2,950 |
| Cost of funding earning assets | 2.1905% | 2,453 |
| Net interest margin | 3.5949% | 4,495 |
| Noninterest income to average assets | 0.6673% | 3,238 |
| Noninterest expense to average assets | 1.9768% | 7,422 |
| Loan and lease loss provision to assets | 0.5885% | 3,029 |
| Net operating income to assets | 0.9323% | 2,299 |
| Return on assets (ROA) | 0.9323% | 2,364 |
| Pretax return on assets | 1.5493% | 1,282 |
| Return on Equity (ROE) | 10.4339% | 1,779 |
| Retained earnings to average equity (ytd only) | 10.1276% | 618 |
| Net charge-offs to loans | 0.1597% | 5,111 |
| Credit loss provision to net charge-offs | 398.1481% | 1,000 |
| Earnings coverage of net charge-offs (x) | 14.4630% | 1,599 |
| Efficiency ratio | 48.0442% | 7,661 |
| Assets per employee ($millions) | 5.4684% | 1,640 |
| Cash dividends to net income (ytd only)* | 2.9362% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 3,103 |
| Loan loss allowance to noncurrent loans | 159.0157% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 1.4222% | 4,258 |
| Noncurrent loans to loans | 0.9904% | 5,323 |
| Net loans and leases to total assets | 92.3132% | 47 |
| Net loans and leases to deposits | 104.2926% | 750 |
| Net loans and leases to core deposits | 125.7056% | 1,763 |
| Total domestic deposits to total assets | 88.5137% | 1,429 |
| Equity capital to assets | 9.3725% | 4,924 |
| Core capital (leverage) ratio | 9.0794% | 4,527 |
| Tier 1 risk-based capital ratio | 11.6199% | 5,316 |
| Total risk-based capital ratio | 12.8772% | 5,246 |
| Memoranda: | ||
| Average total assets | $243,546,750 | 2,693 |
| Average earning assets | $233,548,250 | 2,580 |
| Average equity | $21,761,750 | 3,002 |
| Average total loans | $225,393,000 | 2,089 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7714% | 3,189 |
| Cost of funding earning assets | 2.2335% | 2,651 |
| Net interest margin | 3.5378% | 4,625 |
| Noninterest income to average assets | 0.7386% | 2,769 |
| Noninterest expense to average assets | 1.9597% | 7,536 |
| Loan and lease loss provision to assets | 0.5725% | 2,721 |
| Net operating income to assets | 0.9619% | 2,237 |
| Return on assets (ROA) | 0.9619% | 2,338 |
| Pretax return on assets | 1.6006% | 1,203 |
| Return on Equity (ROE) | 10.9402% | 1,714 |
| Retained earnings to average equity (ytd only) | 10.9402% | 572 |
| Net charge-offs to loans | 0.0666% | 5,572 |
| Credit loss provision to net charge-offs | 933.3333% | 518 |
| Earnings coverage of net charge-offs (x) | 35.4267% | 894 |
| Efficiency ratio | 47.4174% | 7,786 |
| Assets per employee ($millions) | 5.3309% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 3,088 |
| Loan loss allowance to noncurrent loans | 112.9183% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 1.6245% | 3,775 |
| Noncurrent loans to loans | 1.3464% | 4,520 |
| Net loans and leases to total assets | 91.1014% | 88 |
| Net loans and leases to deposits | 104.5555% | 870 |
| Net loans and leases to core deposits | 128.2112% | 1,695 |
| Total domestic deposits to total assets | 87.1321% | 2,180 |
| Equity capital to assets | 9.1987% | 5,014 |
| Core capital (leverage) ratio | 8.8605% | 4,847 |
| Tier 1 risk-based capital ratio | 11.6223% | 5,269 |
| Total risk-based capital ratio | 12.8789% | 5,198 |
| Memoranda: | ||
| Average total assets | $244,526,330 | 2,706 |
| Average earning assets | $234,606,330 | 2,582 |
| Average equity | $21,498,670 | 3,035 |
| Average total loans | $225,301,670 | 2,121 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7358% | 3,608 |
| Cost of funding earning assets | 2.2990% | 2,703 |
| Net interest margin | 3.4367% | 4,984 |
| Noninterest income to average assets | 0.7746% | 2,455 |
| Noninterest expense to average assets | 1.8311% | 7,657 |
| Loan and lease loss provision to assets | 0.5266% | 2,362 |
| Net operating income to assets | 1.0355% | 2,178 |
| Return on assets (ROA) | 1.0355% | 2,312 |
| Pretax return on assets | 1.7112% | 1,154 |
| Return on Equity (ROE) | 12.0484% | 1,645 |
| Retained earnings to average equity (ytd only) | 12.0484% | 776 |
| Net charge-offs to loans | 0.0300% | 5,106 |
| Credit loss provision to net charge-offs | 1,911.7647% | 333 |
| Earnings coverage of net charge-offs (x) | 81.2353% | 516 |
| Efficiency ratio | 45.0020% | 7,892 |
| Assets per employee ($millions) | 5.6549% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 3,709 |
| Loan loss allowance to noncurrent loans | 154.6282% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 4,440 |
| Noncurrent loans to loans | 0.8824% | 5,243 |
| Net loans and leases to total assets | 88.8174% | 207 |
| Net loans and leases to deposits | 101.9952% | 1,175 |
| Net loans and leases to core deposits | 123.8918% | 2,091 |
| Total domestic deposits to total assets | 87.0800% | 2,175 |
| Equity capital to assets | 8.6546% | 5,835 |
| Core capital (leverage) ratio | 8.5998% | 5,344 |
| Tier 1 risk-based capital ratio | 11.1362% | 5,774 |
| Total risk-based capital ratio | 12.3902% | 5,686 |
| Memoranda: | ||
| Average total assets | $246,843,500 | 2,686 |
| Average earning assets | $236,620,500 | 2,563 |
| Average equity | $21,214,500 | 3,088 |
| Average total loans | $226,993,000 | 2,123 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4673% | 3,130 |
| Cost of funding earning assets | 2.8497% | 2,480 |
| Net interest margin | 3.6177% | 4,804 |
| Noninterest income to average assets | 0.5464% | 4,257 |
| Noninterest expense to average assets | 1.8922% | 7,629 |
| Loan and lease loss provision to assets | 0.2932% | 4,038 |
| Net operating income to assets | 1.0910% | 2,181 |
| Return on assets (ROA) | 1.0910% | 2,098 |
| Pretax return on assets | 1.7999% | 945 |
| Return on Equity (ROE) | 12.5331% | 1,438 |
| Retained earnings to average equity (ytd only) | 8.3372% | 748 |
| Net charge-offs to loans | 0.1993% | 4,201 |
| Credit loss provision to net charge-offs | 155.9633% | 3,340 |
| Earnings coverage of net charge-offs (x) | 11.1330% | 2,409 |
| Efficiency ratio | 47.4789% | 7,846 |
| Assets per employee ($millions) | 5.5653% | 1,411 |
| Cash dividends to net income (ytd only)* | 33.4783% | 3,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 4,569 |
| Loan loss allowance to noncurrent loans | 170.4278% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 4,392 |
| Noncurrent loans to loans | 0.7015% | 5,278 |
| Net loans and leases to total assets | 92.7786% | 59 |
| Net loans and leases to deposits | 107.0001% | 1,047 |
| Net loans and leases to core deposits | 135.7319% | 1,504 |
| Total domestic deposits to total assets | 86.7089% | 2,088 |
| Equity capital to assets | 8.5331% | 6,029 |
| Core capital (leverage) ratio | 8.6033% | 5,376 |
| Tier 1 risk-based capital ratio | 10.7549% | 5,954 |
| Total risk-based capital ratio | 12.0067% | 5,857 |
| Memoranda: | ||
| Average total assets | $231,901,600 | 2,744 |
| Average earning assets | $220,445,800 | 2,653 |
| Average equity | $20,186,600 | 3,200 |
| Average total loans | $218,740,600 | 2,139 |