Home > Applied Bank > Performance and Condition Ratios
Applied 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 | 5.6836% | 950 |
| Cost of funding earning assets | 0.0232% | 4,510 |
| Net interest margin | 5.6604% | 155 |
| Noninterest income to average assets | 1.4100% | 417 |
| Noninterest expense to average assets | 2.7671% | 1,584 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 4.0401% | 98 |
| Return on assets (ROA) | 4.0401% | 100 |
| Pretax return on assets | 4.2472% | 106 |
| Return on Equity (ROE) | 20.6800% | 556 |
| Retained earnings to average equity (ytd only) | -8.5379% | 4,450 |
| Net charge-offs to loans | 0.0063% | 2,461 |
| Credit loss provision to net charge-offs | -433.3333% | 4,533 |
| Earnings coverage of net charge-offs (x) | 3,133.0000% | 42 |
| Efficiency ratio | 39.4823% | 4,373 |
| Assets per employee ($millions) | 8.4180% | 1,216 |
| Cash dividends to net income (ytd only)* | 141.2934% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6050% | 4,235 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 21.7700% | 4,389 |
| Net loans and leases to deposits | 26.7576% | 4,389 |
| Net loans and leases to core deposits | 26.7576% | 4,425 |
| Total domestic deposits to total assets | 81.3500% | 3,247 |
| Equity capital to assets | 18.3068% | 334 |
| Core capital (leverage) ratio | 18.4052% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 79.6022% | 73 |
| Memoranda: | ||
| Average total assets | $221,603,200 | 2,839 |
| Average earning assets | $219,366,400 | 2,743 |
| Average equity | $43,301,000 | 1,779 |
| Average total loans | $47,511,000 | 3,876 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6346% | 868 |
| Cost of funding earning assets | 0.0242% | 4,539 |
| Net interest margin | 5.6104% | 163 |
| Noninterest income to average assets | 1.4700% | 394 |
| Noninterest expense to average assets | 2.8257% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.9977% | 113 |
| Return on assets (ROA) | 3.9977% | 112 |
| Pretax return on assets | 4.2023% | 122 |
| Return on Equity (ROE) | 20.1500% | 709 |
| Retained earnings to average equity (ytd only) | 8.3578% | 1,851 |
| Net charge-offs to loans | 0.0028% | 2,436 |
| Credit loss provision to net charge-offs | -800.0000% | 4,590 |
| Earnings coverage of net charge-offs (x) | 6,998.0000% | 7 |
| Efficiency ratio | 40.2340% | 4,353 |
| Assets per employee ($millions) | 8.2807% | 1,218 |
| Cash dividends to net income (ytd only)* | 58.5146% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 4,225 |
| Loan loss allowance to noncurrent loans | 7,450.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 3,858 |
| Noncurrent loans to loans | 0.0085% | 3,745 |
| Net loans and leases to total assets | 22.5500% | 4,414 |
| Net loans and leases to deposits | 29.2605% | 4,387 |
| Net loans and leases to core deposits | 29.2605% | 4,393 |
| Total domestic deposits to total assets | 77.0600% | 3,922 |
| Equity capital to assets | 22.4764% | 227 |
| Core capital (leverage) ratio | 21.1290% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 96.2846% | 67 |
| Memoranda: | ||
| Average total assets | $222,286,750 | 2,846 |
| Average earning assets | $219,990,750 | 2,751 |
| Average equity | $44,109,250 | 1,745 |
| Average total loans | $47,405,500 | 3,887 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4752% | 869 |
| Cost of funding earning assets | 0.0240% | 4,561 |
| Net interest margin | 5.4512% | 183 |
| Noninterest income to average assets | 1.4300% | 344 |
| Noninterest expense to average assets | 2.7399% | 1,555 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 3.8966% | 103 |
| Return on assets (ROA) | 3.8966% | 104 |
| Pretax return on assets | 4.0963% | 110 |
| Return on Equity (ROE) | 20.4600% | 663 |
| Retained earnings to average equity (ytd only) | 2.4479% | 3,610 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.1262% | 4,389 |
| Assets per employee ($millions) | 8.9278% | 934 |
| Cash dividends to net income (ytd only)* | 88.0361% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6489% | 4,241 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 21.1500% | 4,445 |
| Net loans and leases to deposits | 26.8369% | 4,431 |
| Net loans and leases to core deposits | 26.8369% | 4,437 |
| Total domestic deposits to total assets | 78.8100% | 3,747 |
| Equity capital to assets | 20.6729% | 265 |
| Core capital (leverage) ratio | 18.4670% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 88.1511% | 65 |
| Memoranda: | ||
| Average total assets | $227,376,667 | 2,824 |
| Average earning assets | $225,087,667 | 2,729 |
| Average equity | $43,302,333 | 1,773 |
| Average total loans | $47,547,667 | 3,890 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 1,226 |
| Cost of funding earning assets | 0.0224% | 4,605 |
| Net interest margin | 4.9795% | 303 |
| Noninterest income to average assets | 1.3900% | 356 |
| Noninterest expense to average assets | 2.7051% | 1,655 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 3.3890% | 126 |
| Return on assets (ROA) | 3.3890% | 126 |
| Pretax return on assets | 3.5634% | 136 |
| Return on Equity (ROE) | 18.5200% | 960 |
| Retained earnings to average equity (ytd only) | -17.9227% | 4,581 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.7683% | 4,354 |
| Assets per employee ($millions) | 8.9611% | 949 |
| Cash dividends to net income (ytd only)* | 196.7709% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7160% | 4,219 |
| Loan loss allowance to noncurrent loans | 33,900.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,949 |
| Noncurrent loans to loans | 0.0021% | 3,852 |
| Net loans and leases to total assets | 20.1800% | 4,516 |
| Net loans and leases to deposits | 24.6865% | 4,507 |
| Net loans and leases to core deposits | 24.6865% | 4,501 |
| Total domestic deposits to total assets | 81.7300% | 3,527 |
| Equity capital to assets | 17.9609% | 302 |
| Core capital (leverage) ratio | 18.1032% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.0991% | 69 |
| Memoranda: | ||
| Average total assets | $233,932,000 | 2,824 |
| Average earning assets | $231,671,000 | 2,730 |
| Average equity | $42,806,000 | 1,809 |
| Average total loans | $48,515,000 | 3,926 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6454% | 4,438 |
| Cost of funding earning assets | 0.0254% | 4,618 |
| Net interest margin | 2.6201% | 4,147 |
| Noninterest income to average assets | 1.3800% | 378 |
| Noninterest expense to average assets | 2.3731% | 2,503 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.4958% | 888 |
| Return on assets (ROA) | 1.4958% | 856 |
| Pretax return on assets | 1.5724% | 1,234 |
| Return on Equity (ROE) | 9.2700% | 3,044 |
| Retained earnings to average equity (ytd only) | 4.2353% | 3,319 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.7253% | 3,095 |
| Assets per employee ($millions) | 8.3884% | 1,145 |
| Cash dividends to net income (ytd only)* | 54.3338% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6179% | 4,320 |
| Loan loss allowance to noncurrent loans | 30,700.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,964 |
| Noncurrent loans to loans | 0.0020% | 3,876 |
| Net loans and leases to total assets | 21.0200% | 4,541 |
| Net loans and leases to deposits | 25.9111% | 4,527 |
| Net loans and leases to core deposits | 25.9111% | 4,528 |
| Total domestic deposits to total assets | 81.1400% | 3,739 |
| Equity capital to assets | 18.6333% | 269 |
| Core capital (leverage) ratio | 16.3700% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 80.1630% | 68 |
| Memoranda: | ||
| Average total assets | $258,392,000 | 2,682 |
| Average earning assets | $256,025,600 | 2,570 |
| Average equity | $41,674,000 | 1,868 |
| Average total loans | $43,712,600 | 3,998 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9917% | 4,610 |
| Cost of funding earning assets | 0.0250% | 4,649 |
| Net interest margin | 1.9668% | 4,560 |
| Noninterest income to average assets | 1.4000% | 380 |
| Noninterest expense to average assets | 2.3127% | 2,597 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9818% | 2,537 |
| Return on assets (ROA) | 0.9818% | 2,517 |
| Pretax return on assets | 1.0322% | 2,921 |
| Return on Equity (ROE) | 6.3100% | 3,733 |
| Retained earnings to average equity (ytd only) | -0.4990% | 4,387 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.0361% | 1,884 |
| Assets per employee ($millions) | 11.8298% | 406 |
| Cash dividends to net income (ytd only)* | 107.9137% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6188% | 4,359 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 13.3000% | 4,633 |
| Net loans and leases to deposits | 15.5455% | 4,633 |
| Net loans and leases to core deposits | 15.5455% | 4,620 |
| Total domestic deposits to total assets | 85.5900% | 3,152 |
| Equity capital to assets | 14.1494% | 553 |
| Core capital (leverage) ratio | 14.7393% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 84.9705% | 69 |
| Memoranda: | ||
| Average total assets | $264,271,250 | 2,658 |
| Average earning assets | $261,810,000 | 2,558 |
| Average equity | $41,151,250 | 1,907 |
| Average total loans | $42,219,500 | 4,048 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4737% | 4,710 |
| Cost of funding earning assets | 0.0255% | 4,705 |
| Net interest margin | 1.4482% | 4,686 |
| Noninterest income to average assets | 1.5092% | 336 |
| Noninterest expense to average assets | 2.3761% | 2,316 |
| Loan and lease loss provision to assets | -0.0016% | 4,366 |
| Net operating income to assets | 0.5406% | 3,793 |
| Return on assets (ROA) | 0.5406% | 3,746 |
| Pretax return on assets | 0.5682% | 3,876 |
| Return on Equity (ROE) | 3.3529% | 4,162 |
| Retained earnings to average equity (ytd only) | -6.9111% | 4,592 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7445% | 890 |
| Assets per employee ($millions) | 10.9806% | 497 |
| Cash dividends to net income (ytd only)* | 306.1224% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5540% | 4,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 15.1715% | 4,687 |
| Net loans and leases to deposits | 17.8520% | 4,685 |
| Net loans and leases to core deposits | 17.8520% | 4,680 |
| Total domestic deposits to total assets | 84.9851% | 3,487 |
| Equity capital to assets | 14.7847% | 423 |
| Core capital (leverage) ratio | 15.3022% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.6095% | 36 |
| Memoranda: | ||
| Average total assets | $253,780,333 | 2,746 |
| Average earning assets | $251,206,000 | 2,661 |
| Average equity | $40,919,667 | 1,962 |
| Average total loans | $43,095,000 | 4,083 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3335% | 4,738 |
| Cost of funding earning assets | 0.0232% | 4,726 |
| Net interest margin | 1.3103% | 4,719 |
| Noninterest income to average assets | 1.6318% | 317 |
| Noninterest expense to average assets | 2.4995% | 1,883 |
| Loan and lease loss provision to assets | -0.0427% | 4,503 |
| Net operating income to assets | 0.4486% | 3,848 |
| Return on assets (ROA) | 0.4486% | 3,814 |
| Pretax return on assets | 0.4716% | 3,916 |
| Return on Equity (ROE) | 2.6578% | 4,161 |
| Retained earnings to average equity (ytd only) | -17.7869% | 4,675 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3535% | 773 |
| Assets per employee ($millions) | 10.4827% | 600 |
| Cash dividends to net income (ytd only)* | 769.2308% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5365% | 4,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 14.7146% | 4,712 |
| Net loans and leases to deposits | 17.4323% | 4,711 |
| Net loans and leases to core deposits | 17.4323% | 4,710 |
| Total domestic deposits to total assets | 84.4097% | 3,672 |
| Equity capital to assets | 15.3293% | 364 |
| Core capital (leverage) ratio | 17.0210% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 89.5346% | 34 |
| Memoranda: | ||
| Average total assets | $243,413,500 | 2,822 |
| Average earning assets | $240,865,000 | 2,731 |
| Average equity | $41,086,500 | 2,015 |
| Average total loans | $43,702,500 | 4,082 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1057% | 4,650 |
| Cost of funding earning assets | 0.0207% | 4,772 |
| Net interest margin | 2.0851% | 4,547 |
| Noninterest income to average assets | 2.1512% | 277 |
| Noninterest expense to average assets | 3.2837% | 648 |
| Loan and lease loss provision to assets | -0.0531% | 4,365 |
| Net operating income to assets | 0.9335% | 2,926 |
| Return on assets (ROA) | 0.9466% | 2,952 |
| Pretax return on assets | 0.9931% | 3,278 |
| Return on Equity (ROE) | 4.8672% | 4,022 |
| Retained earnings to average equity (ytd only) | 4.8672% | 2,833 |
| Net charge-offs to loans | 0.0046% | 2,436 |
| Credit loss provision to net charge-offs | -3,733.3333% | 4,130 |
| Earnings coverage of net charge-offs (x) | 651.0000% | 223 |
| Efficiency ratio | 77.9993% | 947 |
| Assets per employee ($millions) | 8.6446% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4811% | 4,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 21.5345% | 4,703 |
| Net loans and leases to deposits | 26.5616% | 4,677 |
| Net loans and leases to core deposits | 26.5616% | 4,693 |
| Total domestic deposits to total assets | 81.0740% | 4,099 |
| Equity capital to assets | 18.6866% | 230 |
| Core capital (leverage) ratio | 17.4708% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 86.4426% | 38 |
| Memoranda: | ||
| Average total assets | $210,857,000 | 2,982 |
| Average earning assets | $208,192,200 | 2,894 |
| Average equity | $41,009,400 | 2,053 |
| Average total loans | $65,768,800 | 3,729 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2285% | 4,703 |
| Cost of funding earning assets | 0.0195% | 4,857 |
| Net interest margin | 2.2090% | 4,565 |
| Noninterest income to average assets | 2.2869% | 276 |
| Noninterest expense to average assets | 3.4641% | 477 |
| Loan and lease loss provision to assets | -0.0420% | 4,432 |
| Net operating income to assets | 0.9965% | 2,922 |
| Return on assets (ROA) | 0.9965% | 2,989 |
| Pretax return on assets | 1.0454% | 3,336 |
| Return on Equity (ROE) | 5.0700% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.0700% | 3,195 |
| Net charge-offs to loans | 0.0057% | 2,117 |
| Credit loss provision to net charge-offs | -2,166.6667% | 4,004 |
| Earnings coverage of net charge-offs (x) | 520.3333% | 290 |
| Efficiency ratio | 77.5363% | 914 |
| Assets per employee ($millions) | 9.0979% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4839% | 4,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 24.4309% | 4,737 |
| Net loans and leases to deposits | 29.7842% | 4,703 |
| Net loans and leases to core deposits | 29.7842% | 4,728 |
| Total domestic deposits to total assets | 82.0263% | 3,924 |
| Equity capital to assets | 17.5671% | 296 |
| Core capital (leverage) ratio | 18.5140% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.8867% | 39 |
| Memoranda: | ||
| Average total assets | $207,381,250 | 3,039 |
| Average earning assets | $204,734,250 | 2,941 |
| Average equity | $40,761,750 | 2,091 |
| Average total loans | $70,052,250 | 3,698 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3400% | 4,702 |
| Cost of funding earning assets | 0.0195% | 4,897 |
| Net interest margin | 2.3205% | 4,498 |
| Noninterest income to average assets | 2.4436% | 256 |
| Noninterest expense to average assets | 3.7054% | 364 |
| Loan and lease loss provision to assets | -0.0121% | 4,412 |
| Net operating income to assets | 0.9946% | 2,904 |
| Return on assets (ROA) | 0.9946% | 2,989 |
| Pretax return on assets | 1.0412% | 3,352 |
| Return on Equity (ROE) | 4.8546% | 4,152 |
| Retained earnings to average equity (ytd only) | 4.8546% | 3,240 |
| Net charge-offs to loans | 0.0081% | 1,838 |
| Credit loss provision to net charge-offs | -400.0000% | 3,399 |
| Earnings coverage of net charge-offs (x) | 339.0000% | 345 |
| Efficiency ratio | 78.2646% | 896 |
| Assets per employee ($millions) | 8.4325% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4685% | 4,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 33.6622% | 4,551 |
| Net loans and leases to deposits | 41.9985% | 4,456 |
| Net loans and leases to core deposits | 41.9985% | 4,518 |
| Total domestic deposits to total assets | 80.1510% | 4,217 |
| Equity capital to assets | 19.4424% | 213 |
| Core capital (leverage) ratio | 20.6591% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.3599% | 49 |
| Memoranda: | ||
| Average total assets | $197,660,000 | 3,119 |
| Average earning assets | $195,129,333 | 3,021 |
| Average equity | $40,497,667 | 2,082 |
| Average total loans | $74,046,000 | 3,652 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4674% | 4,667 |
| Cost of funding earning assets | 0.0188% | 4,934 |
| Net interest margin | 2.4486% | 4,366 |
| Noninterest income to average assets | 2.4516% | 276 |
| Noninterest expense to average assets | 3.7651% | 345 |
| Loan and lease loss provision to assets | 0.0247% | 2,462 |
| Net operating income to assets | 1.0268% | 2,721 |
| Return on assets (ROA) | 1.0268% | 2,800 |
| Pretax return on assets | 1.0784% | 3,170 |
| Return on Equity (ROE) | 4.6151% | 4,168 |
| Retained earnings to average equity (ytd only) | 4.6151% | 3,338 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3401% | 1,015 |
| Assets per employee ($millions) | 8.7812% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4697% | 4,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 37.8738% | 4,427 |
| Net loans and leases to deposits | 48.5951% | 4,237 |
| Net loans and leases to core deposits | 48.5951% | 4,353 |
| Total domestic deposits to total assets | 77.9376% | 4,439 |
| Equity capital to assets | 21.4945% | 136 |
| Core capital (leverage) ratio | 20.8688% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 68.6231% | 45 |
| Memoranda: | ||
| Average total assets | $193,993,500 | 3,134 |
| Average earning assets | $191,458,500 | 3,047 |
| Average equity | $43,162,500 | 1,977 |
| Average total loans | $75,420,000 | 3,646 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7261% | 4,784 |
| Cost of funding earning assets | 0.0334% | 4,958 |
| Net interest margin | 2.6927% | 4,388 |
| Noninterest income to average assets | 2.3849% | 259 |
| Noninterest expense to average assets | 4.0532% | 364 |
| Loan and lease loss provision to assets | 0.0062% | 4,274 |
| Net operating income to assets | 0.9294% | 2,564 |
| Return on assets (ROA) | 0.9246% | 2,731 |
| Pretax return on assets | 0.9722% | 3,138 |
| Return on Equity (ROE) | 3.9430% | 4,174 |
| Retained earnings to average equity (ytd only) | -0.8921% | 4,628 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4727% | 854 |
| Assets per employee ($millions) | 6.4144% | 1,984 |
| Cash dividends to net income (ytd only)* | 122.6242% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4704% | 4,810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 39.5863% | 4,454 |
| Net loans and leases to deposits | 51.6896% | 4,232 |
| Net loans and leases to core deposits | 51.6896% | 4,355 |
| Total domestic deposits to total assets | 76.5846% | 4,458 |
| Equity capital to assets | 23.0691% | 117 |
| Core capital (leverage) ratio | 21.3166% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.6630% | 43 |
| Memoranda: | ||
| Average total assets | $176,404,200 | 3,136 |
| Average earning assets | $173,730,400 | 3,038 |
| Average equity | $41,364,000 | 1,977 |
| Average total loans | $72,536,800 | 3,678 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8085% | 4,831 |
| Cost of funding earning assets | 0.0381% | 4,995 |
| Net interest margin | 2.7704% | 4,378 |
| Noninterest income to average assets | 2.5095% | 238 |
| Noninterest expense to average assets | 4.2014% | 323 |
| Loan and lease loss provision to assets | 0.0460% | 3,783 |
| Net operating income to assets | 0.9406% | 2,560 |
| Return on assets (ROA) | 0.9341% | 2,713 |
| Pretax return on assets | 0.9823% | 3,125 |
| Return on Equity (ROE) | 3.9664% | 4,164 |
| Retained earnings to average equity (ytd only) | 3.9664% | 3,069 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2312% | 853 |
| Assets per employee ($millions) | 6.6093% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4805% | 4,827 |
| Loan loss allowance to noncurrent loans | 39,800.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,538 |
| Noncurrent loans to loans | 0.0012% | 4,464 |
| Net loans and leases to total assets | 44.5396% | 4,396 |
| Net loans and leases to deposits | 57.8835% | 4,169 |
| Net loans and leases to core deposits | 57.8835% | 4,309 |
| Total domestic deposits to total assets | 76.9469% | 4,330 |
| Equity capital to assets | 22.4749% | 137 |
| Core capital (leverage) ratio | 23.5242% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.9496% | 58 |
| Memoranda: | ||
| Average total assets | $174,000,500 | 3,141 |
| Average earning assets | $171,283,750 | 3,044 |
| Average equity | $40,976,750 | 1,975 |
| Average total loans | $72,174,500 | 3,702 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9076% | 4,878 |
| Cost of funding earning assets | 0.0465% | 5,029 |
| Net interest margin | 2.8611% | 4,370 |
| Noninterest income to average assets | 2.5294% | 223 |
| Noninterest expense to average assets | 4.2874% | 307 |
| Loan and lease loss provision to assets | 0.0881% | 3,178 |
| Net operating income to assets | 0.9236% | 2,613 |
| Return on assets (ROA) | 0.9136% | 2,764 |
| Pretax return on assets | 0.9606% | 3,148 |
| Return on Equity (ROE) | 3.8164% | 4,159 |
| Retained earnings to average equity (ytd only) | 3.8164% | 3,005 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1889% | 879 |
| Assets per employee ($millions) | 6.4300% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4911% | 4,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 46.4839% | 4,338 |
| Net loans and leases to deposits | 60.6876% | 4,083 |
| Net loans and leases to core deposits | 60.6876% | 4,228 |
| Total domestic deposits to total assets | 76.5953% | 4,366 |
| Equity capital to assets | 22.8565% | 130 |
| Core capital (leverage) ratio | 23.7333% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.2651% | 55 |
| Memoranda: | ||
| Average total assets | $170,314,000 | 3,159 |
| Average earning assets | $167,696,667 | 3,067 |
| Average equity | $40,771,667 | 1,966 |
| Average total loans | $68,625,000 | 3,784 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2708% | 4,832 |
| Cost of funding earning assets | 0.0736% | 5,063 |
| Net interest margin | 3.1972% | 3,859 |
| Noninterest income to average assets | 2.4732% | 201 |
| Noninterest expense to average assets | 4.3711% | 343 |
| Loan and lease loss provision to assets | 0.1692% | 1,738 |
| Net operating income to assets | 1.0312% | 2,073 |
| Return on assets (ROA) | 1.0106% | 2,244 |
| Pretax return on assets | 1.0613% | 2,635 |
| Return on Equity (ROE) | 4.1201% | 3,918 |
| Retained earnings to average equity (ytd only) | 4.1201% | 2,635 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7300% | 1,372 |
| Assets per employee ($millions) | 5.6967% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6325% | 4,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 38.8007% | 4,704 |
| Net loans and leases to deposits | 51.8302% | 4,527 |
| Net loans and leases to core deposits | 51.8302% | 4,634 |
| Total domestic deposits to total assets | 74.8612% | 4,593 |
| Equity capital to assets | 24.6914% | 119 |
| Core capital (leverage) ratio | 23.8494% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.6744% | 64 |
| Memoranda: | ||
| Average total assets | $165,450,500 | 3,175 |
| Average earning assets | $163,017,000 | 3,081 |
| Average equity | $40,582,000 | 1,964 |
| Average total loans | $60,886,000 | 3,942 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0752% | 4,094 |
| Cost of funding earning assets | 0.0550% | 5,141 |
| Net interest margin | 4.0202% | 1,785 |
| Noninterest income to average assets | 2.6686% | 183 |
| Noninterest expense to average assets | 4.4828% | 313 |
| Loan and lease loss provision to assets | -0.0222% | 4,963 |
| Net operating income to assets | 2.0594% | 302 |
| Return on assets (ROA) | 2.0529% | 319 |
| Pretax return on assets | 2.1577% | 420 |
| Return on Equity (ROE) | 8.6695% | 2,884 |
| Retained earnings to average equity (ytd only) | -0.3512% | 4,748 |
| Net charge-offs to loans | 0.0081% | 3,389 |
| Credit loss provision to net charge-offs | -780.0000% | 4,489 |
| Earnings coverage of net charge-offs (x) | 752.2000% | 134 |
| Efficiency ratio | 67.6640% | 2,506 |
| Assets per employee ($millions) | 5.7137% | 1,869 |
| Cash dividends to net income (ytd only)* | 104.0511% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5902% | 4,758 |
| Loan loss allowance to noncurrent loans | 16,900.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,691 |
| Noncurrent loans to loans | 0.0035% | 4,591 |
| Net loans and leases to total assets | 34.3553% | 4,890 |
| Net loans and leases to deposits | 45.7178% | 4,794 |
| Net loans and leases to core deposits | 45.7178% | 4,839 |
| Total domestic deposits to total assets | 75.1464% | 4,691 |
| Equity capital to assets | 24.3654% | 129 |
| Core capital (leverage) ratio | 21.8913% | 176 |
| Tier 1 risk-based capital ratio | 61.8971% | 89 |
| Total risk-based capital ratio | 62.4245% | 89 |
| Memoranda: | ||
| Average total assets | $175,558,000 | 3,060 |
| Average earning assets | $172,777,600 | 2,953 |
| Average equity | $41,571,000 | 1,867 |
| Average total loans | $61,819,000 | 3,948 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 4,412 |
| Cost of funding earning assets | 0.0525% | 5,219 |
| Net interest margin | 3.9212% | 2,188 |
| Noninterest income to average assets | 2.7524% | 173 |
| Noninterest expense to average assets | 4.4959% | 299 |
| Loan and lease loss provision to assets | -0.0052% | 5,043 |
| Net operating income to assets | 2.0180% | 382 |
| Return on assets (ROA) | 2.0094% | 404 |
| Pretax return on assets | 2.1120% | 533 |
| Return on Equity (ROE) | 8.5436% | 3,087 |
| Retained earnings to average equity (ytd only) | 8.5436% | 1,189 |
| Net charge-offs to loans | 0.0106% | 2,990 |
| Credit loss provision to net charge-offs | -140.0000% | 4,112 |
| Earnings coverage of net charge-offs (x) | 564.7031% | 175 |
| Efficiency ratio | 67.9995% | 2,421 |
| Assets per employee ($millions) | 6.2882% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5937% | 4,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 31.7793% | 5,023 |
| Net loans and leases to deposits | 41.1345% | 4,972 |
| Net loans and leases to core deposits | 41.1345% | 5,012 |
| Total domestic deposits to total assets | 77.2570% | 4,482 |
| Equity capital to assets | 22.1623% | 178 |
| Core capital (leverage) ratio | 23.6142% | 145 |
| Tier 1 risk-based capital ratio | 60.3844% | 92 |
| Total risk-based capital ratio | 60.9113% | 94 |
| Memoranda: | ||
| Average total assets | $178,023,000 | 3,067 |
| Average earning assets | $175,215,500 | 2,958 |
| Average equity | $41,870,500 | 1,862 |
| Average total loans | $62,957,750 | 3,974 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 4,071 |
| Cost of funding earning assets | 0.0507% | 5,266 |
| Net interest margin | 4.0877% | 1,646 |
| Noninterest income to average assets | 2.9225% | 160 |
| Noninterest expense to average assets | 4.7278% | 259 |
| Loan and lease loss provision to assets | -0.0023% | 5,093 |
| Net operating income to assets | 2.1120% | 313 |
| Return on assets (ROA) | 2.0988% | 339 |
| Pretax return on assets | 2.2055% | 439 |
| Return on Equity (ROE) | 8.7335% | 2,959 |
| Retained earnings to average equity (ytd only) | 8.7335% | 1,118 |
| Net charge-offs to loans | 0.0063% | 2,927 |
| Credit loss provision to net charge-offs | -100.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | 955.5000% | 72 |
| Efficiency ratio | 68.0755% | 2,521 |
| Assets per employee ($millions) | 6.2085% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6006% | 4,875 |
| Loan loss allowance to noncurrent loans | 9,450.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 4,815 |
| Noncurrent loans to loans | 0.0064% | 4,700 |
| Net loans and leases to total assets | 35.9872% | 4,979 |
| Net loans and leases to deposits | 47.8653% | 4,849 |
| Net loans and leases to core deposits | 47.8653% | 4,913 |
| Total domestic deposits to total assets | 75.1842% | 4,752 |
| Equity capital to assets | 24.3492% | 132 |
| Core capital (leverage) ratio | 25.2281% | 116 |
| Tier 1 risk-based capital ratio | 58.0814% | 94 |
| Total risk-based capital ratio | 58.6083% | 96 |
| Memoranda: | ||
| Average total assets | $172,385,670 | 3,129 |
| Average earning assets | $169,631,330 | 3,022 |
| Average equity | $41,426,670 | 1,878 |
| Average total loans | $63,170,670 | 3,992 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 3,884 |
| Cost of funding earning assets | 0.0496% | 5,329 |
| Net interest margin | 4.1466% | 1,434 |
| Noninterest income to average assets | 2.9337% | 149 |
| Noninterest expense to average assets | 4.7769% | 241 |
| Loan and lease loss provision to assets | -0.0210% | 5,226 |
| Net operating income to assets | 2.1564% | 291 |
| Return on assets (ROA) | 2.1298% | 319 |
| Pretax return on assets | 2.2370% | 412 |
| Return on Equity (ROE) | 8.9223% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.9223% | 1,345 |
| Net charge-offs to loans | 0.0190% | 2,087 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | 321.0000% | 253 |
| Efficiency ratio | 68.0385% | 2,636 |
| Assets per employee ($millions) | 5.7257% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5919% | 4,951 |
| Loan loss allowance to noncurrent loans | 97.3684% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 3,706 |
| Noncurrent loans to loans | 0.6079% | 2,514 |
| Net loans and leases to total assets | 37.4220% | 4,974 |
| Net loans and leases to deposits | 50.1461% | 4,811 |
| Net loans and leases to core deposits | 50.1461% | 4,882 |
| Total domestic deposits to total assets | 74.6260% | 4,882 |
| Equity capital to assets | 24.9530% | 118 |
| Core capital (leverage) ratio | 24.0483% | 129 |
| Tier 1 risk-based capital ratio | 60.9757% | 89 |
| Total risk-based capital ratio | 61.5261% | 90 |
| Memoranda: | ||
| Average total assets | $171,660,000 | 3,174 |
| Average earning assets | $169,198,000 | 3,061 |
| Average equity | $40,976,000 | 1,894 |
| Average total loans | $63,287,500 | 4,024 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 2,188 |
| Cost of funding earning assets | 0.0628% | 5,352 |
| Net interest margin | 4.5179% | 737 |
| Noninterest income to average assets | 2.3148% | 219 |
| Noninterest expense to average assets | 3.8811% | 615 |
| Loan and lease loss provision to assets | -0.0078% | 5,101 |
| Net operating income to assets | 2.7620% | 106 |
| Return on assets (ROA) | 2.7620% | 107 |
| Pretax return on assets | 2.9021% | 106 |
| Return on Equity (ROE) | 12.7945% | 1,428 |
| Retained earnings to average equity (ytd only) | 0.8214% | 4,770 |
| Net charge-offs to loans | 0.0100% | 3,336 |
| Credit loss provision to net charge-offs | -250.0000% | 4,511 |
| Earnings coverage of net charge-offs (x) | 933.1667% | 115 |
| Efficiency ratio | 57.2824% | 4,251 |
| Assets per employee ($millions) | 5.9092% | 1,585 |
| Cash dividends to net income (ytd only)* | 93.5804% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5962% | 4,978 |
| Loan loss allowance to noncurrent loans | 99.2208% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 3,737 |
| Noncurrent loans to loans | 0.6009% | 2,478 |
| Net loans and leases to total assets | 35.9248% | 5,065 |
| Net loans and leases to deposits | 46.8207% | 4,966 |
| Net loans and leases to core deposits | 46.8207% | 5,011 |
| Total domestic deposits to total assets | 76.7284% | 4,673 |
| Equity capital to assets | 22.8564% | 150 |
| Core capital (leverage) ratio | 15.3091% | 626 |
| Tier 1 risk-based capital ratio | 57.9489% | 93 |
| Total risk-based capital ratio | 58.5009% | 93 |
| Memoranda: | ||
| Average total assets | $193,448,400 | 2,930 |
| Average earning assets | $190,996,800 | 2,821 |
| Average equity | $41,760,200 | 1,789 |
| Average total loans | $60,070,200 | 4,089 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 2,369 |
| Cost of funding earning assets | 0.0595% | 5,422 |
| Net interest margin | 4.4181% | 868 |
| Noninterest income to average assets | 2.3656% | 222 |
| Noninterest expense to average assets | 3.8036% | 667 |
| Loan and lease loss provision to assets | -0.0506% | 5,293 |
| Net operating income to assets | 2.8321% | 98 |
| Return on assets (ROA) | 2.8321% | 99 |
| Pretax return on assets | 2.9759% | 114 |
| Return on Equity (ROE) | 13.2948% | 1,334 |
| Retained earnings to average equity (ytd only) | 13.2948% | 329 |
| Net charge-offs to loans | 0.0113% | 3,014 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,698 |
| Earnings coverage of net charge-offs (x) | 866.1454% | 100 |
| Efficiency ratio | 56.5265% | 4,312 |
| Assets per employee ($millions) | 6.0161% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6075% | 5,032 |
| Loan loss allowance to noncurrent loans | 10,766.6667% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,034 |
| Noncurrent loans to loans | 0.0056% | 4,911 |
| Net loans and leases to total assets | 30.2890% | 5,273 |
| Net loans and leases to deposits | 40.8024% | 5,189 |
| Net loans and leases to core deposits | 40.8024% | 5,224 |
| Total domestic deposits to total assets | 74.2334% | 4,954 |
| Equity capital to assets | 25.4325% | 107 |
| Core capital (leverage) ratio | 13.4525% | 1,120 |
| Tier 1 risk-based capital ratio | 75.6565% | 53 |
| Total risk-based capital ratio | 76.2174% | 55 |
| Memoranda: | ||
| Average total assets | $197,491,500 | 2,921 |
| Average earning assets | $195,040,250 | 2,785 |
| Average equity | $42,070,500 | 1,782 |
| Average total loans | $59,070,750 | 4,160 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 4,091 |
| Cost of funding earning assets | 0.0513% | 5,486 |
| Net interest margin | 3.8417% | 2,411 |
| Noninterest income to average assets | 2.2548% | 235 |
| Noninterest expense to average assets | 3.6780% | 791 |
| Loan and lease loss provision to assets | -0.0351% | 5,354 |
| Net operating income to assets | 2.2957% | 210 |
| Return on assets (ROA) | 2.2957% | 204 |
| Pretax return on assets | 2.4088% | 267 |
| Return on Equity (ROE) | 11.4033% | 1,952 |
| Retained earnings to average equity (ytd only) | 11.4033% | 603 |
| Net charge-offs to loans | 0.0164% | 2,594 |
| Credit loss provision to net charge-offs | -720.0000% | 4,434 |
| Earnings coverage of net charge-offs (x) | 487.0000% | 185 |
| Efficiency ratio | 60.7764% | 3,801 |
| Assets per employee ($millions) | 6.0318% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6111% | 5,083 |
| Loan loss allowance to noncurrent loans | 36,200.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,074 |
| Noncurrent loans to loans | 0.0017% | 4,969 |
| Net loans and leases to total assets | 33.6609% | 5,250 |
| Net loans and leases to deposits | 44.6876% | 5,128 |
| Net loans and leases to core deposits | 44.6876% | 5,184 |
| Total domestic deposits to total assets | 75.3249% | 4,925 |
| Equity capital to assets | 24.3150% | 120 |
| Core capital (leverage) ratio | 14.4615% | 790 |
| Tier 1 risk-based capital ratio | 68.9235% | 70 |
| Total risk-based capital ratio | 69.5231% | 71 |
| Memoranda: | ||
| Average total assets | $205,166,670 | 2,854 |
| Average earning assets | $202,775,330 | 2,728 |
| Average equity | $41,303,670 | 1,816 |
| Average total loans | $61,038,670 | 4,138 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4003% | 5,021 |
| Cost of funding earning assets | 0.0441% | 5,562 |
| Net interest margin | 3.3562% | 4,033 |
| Noninterest income to average assets | 2.0137% | 271 |
| Noninterest expense to average assets | 3.4119% | 1,146 |
| Loan and lease loss provision to assets | -0.0399% | 5,452 |
| Net operating income to assets | 1.8648% | 495 |
| Return on assets (ROA) | 1.8648% | 498 |
| Pretax return on assets | 1.9611% | 630 |
| Return on Equity (ROE) | 10.0960% | 2,380 |
| Retained earnings to average equity (ytd only) | 10.0960% | 1,131 |
| Net charge-offs to loans | 0.0323% | 1,855 |
| Credit loss provision to net charge-offs | -440.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | 211.6000% | 320 |
| Efficiency ratio | 63.9768% | 3,487 |
| Assets per employee ($millions) | 6.1564% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 5,147 |
| Loan loss allowance to noncurrent loans | 522.2222% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 4,911 |
| Noncurrent loans to loans | 0.1191% | 4,429 |
| Net loans and leases to total assets | 33.6431% | 5,282 |
| Net loans and leases to deposits | 43.9287% | 5,161 |
| Net loans and leases to core deposits | 43.9287% | 5,213 |
| Total domestic deposits to total assets | 76.5857% | 4,908 |
| Equity capital to assets | 23.0783% | 138 |
| Core capital (leverage) ratio | 15.5028% | 554 |
| Tier 1 risk-based capital ratio | 62.7129% | 80 |
| Total risk-based capital ratio | 63.3035% | 80 |
| Memoranda: | ||
| Average total assets | $220,289,500 | 2,755 |
| Average earning assets | $217,864,000 | 2,631 |
| Average equity | $40,689,500 | 1,842 |
| Average total loans | $61,937,000 | 4,155 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0000% | 5,355 |
| Cost of funding earning assets | 0.0529% | 5,611 |
| Net interest margin | 2.9472% | 4,978 |
| Noninterest income to average assets | 2.0575% | 289 |
| Noninterest expense to average assets | 3.1566% | 1,708 |
| Loan and lease loss provision to assets | -0.0314% | 5,357 |
| Net operating income to assets | 1.7542% | 475 |
| Return on assets (ROA) | 1.7450% | 491 |
| Pretax return on assets | 1.8342% | 726 |
| Return on Equity (ROE) | 9.1031% | 2,265 |
| Retained earnings to average equity (ytd only) | -0.5451% | 5,124 |
| Net charge-offs to loans | 0.0114% | 3,690 |
| Credit loss provision to net charge-offs | -971.4286% | 5,061 |
| Earnings coverage of net charge-offs (x) | 560.0000% | 156 |
| Efficiency ratio | 63.5247% | 3,678 |
| Assets per employee ($millions) | 8.7348% | 493 |
| Cash dividends to net income (ytd only)* | 105.9883% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 5,181 |
| Loan loss allowance to noncurrent loans | 23.8603% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 2,395 |
| Noncurrent loans to loans | 2.6627% | 477 |
| Net loans and leases to total assets | 24.0533% | 5,532 |
| Net loans and leases to deposits | 28.4975% | 5,536 |
| Net loans and leases to core deposits | 28.4975% | 5,544 |
| Total domestic deposits to total assets | 84.4048% | 3,068 |
| Equity capital to assets | 15.3318% | 619 |
| Core capital (leverage) ratio | 15.8495% | 489 |
| Tier 1 risk-based capital ratio | 56.9138% | 93 |
| Total risk-based capital ratio | 57.5102% | 93 |
| Memoranda: | ||
| Average total assets | $216,279,200 | 2,758 |
| Average earning assets | $213,664,000 | 2,630 |
| Average equity | $41,458,600 | 1,797 |
| Average total loans | $61,591,400 | 4,162 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1080% | 5,327 |
| Cost of funding earning assets | 0.0567% | 5,669 |
| Net interest margin | 3.0513% | 4,809 |
| Noninterest income to average assets | 2.2456% | 258 |
| Noninterest expense to average assets | 3.3164% | 1,308 |
| Loan and lease loss provision to assets | -0.0488% | 5,524 |
| Net operating income to assets | 1.8928% | 392 |
| Return on assets (ROA) | 1.8928% | 399 |
| Pretax return on assets | 1.9898% | 564 |
| Return on Equity (ROE) | 9.2803% | 2,456 |
| Retained earnings to average equity (ytd only) | 9.2803% | 769 |
| Net charge-offs to loans | 0.0109% | 3,336 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | 596.0870% | 172 |
| Efficiency ratio | 63.0804% | 3,693 |
| Assets per employee ($millions) | 8.4078% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6714% | 5,202 |
| Loan loss allowance to noncurrent loans | 22.9131% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 2,440 |
| Noncurrent loans to loans | 2.9301% | 451 |
| Net loans and leases to total assets | 23.3451% | 5,613 |
| Net loans and leases to deposits | 28.2926% | 5,609 |
| Net loans and leases to core deposits | 28.2926% | 5,619 |
| Total domestic deposits to total assets | 82.5130% | 3,624 |
| Equity capital to assets | 17.1706% | 410 |
| Core capital (leverage) ratio | 17.3959% | 349 |
| Tier 1 risk-based capital ratio | 64.4772% | 75 |
| Total risk-based capital ratio | 65.1010% | 76 |
| Memoranda: | ||
| Average total assets | $204,838,250 | 2,895 |
| Average earning assets | $202,179,750 | 2,771 |
| Average equity | $41,779,250 | 1,801 |
| Average total loans | $61,131,000 | 4,215 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1493% | 5,302 |
| Cost of funding earning assets | 0.0622% | 5,698 |
| Net interest margin | 3.0871% | 4,715 |
| Noninterest income to average assets | 2.3667% | 245 |
| Noninterest expense to average assets | 3.4733% | 1,048 |
| Loan and lease loss provision to assets | -0.0656% | 5,615 |
| Net operating income to assets | 1.9054% | 369 |
| Return on assets (ROA) | 1.9054% | 380 |
| Pretax return on assets | 2.0028% | 525 |
| Return on Equity (ROE) | 8.7281% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.7281% | 927 |
| Net charge-offs to loans | 0.0065% | 3,224 |
| Credit loss provision to net charge-offs | -3,100.0000% | 5,021 |
| Earnings coverage of net charge-offs (x) | 915.5000% | 77 |
| Efficiency ratio | 64.1963% | 3,640 |
| Assets per employee ($millions) | 8.6707% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6936% | 5,227 |
| Loan loss allowance to noncurrent loans | 10,350.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 5,320 |
| Noncurrent loans to loans | 0.0067% | 5,164 |
| Net loans and leases to total assets | 24.4144% | 5,642 |
| Net loans and leases to deposits | 29.6598% | 5,634 |
| Net loans and leases to core deposits | 29.6598% | 5,646 |
| Total domestic deposits to total assets | 82.3148% | 3,800 |
| Equity capital to assets | 17.3833% | 375 |
| Core capital (leverage) ratio | 16.6018% | 407 |
| Tier 1 risk-based capital ratio | 61.4389% | 80 |
| Total risk-based capital ratio | 62.0911% | 80 |
| Memoranda: | ||
| Average total assets | $189,040,000 | 3,066 |
| Average earning assets | $186,390,000 | 2,945 |
| Average equity | $41,269,000 | 1,823 |
| Average total loans | $61,747,330 | 4,209 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5373% | 4,583 |
| Cost of funding earning assets | 0.0726% | 5,735 |
| Net interest margin | 3.4646% | 3,407 |
| Noninterest income to average assets | 2.5775% | 226 |
| Noninterest expense to average assets | 3.9711% | 559 |
| Loan and lease loss provision to assets | -0.0567% | 5,721 |
| Net operating income to assets | 1.9732% | 319 |
| Return on assets (ROA) | 1.9732% | 332 |
| Pretax return on assets | 2.0744% | 435 |
| Return on Equity (ROE) | 7.8428% | 2,999 |
| Retained earnings to average equity (ytd only) | 7.8428% | 1,526 |
| Net charge-offs to loans | 0.0064% | 2,755 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,602 |
| Earnings coverage of net charge-offs (x) | 818.0000% | 57 |
| Efficiency ratio | 66.3097% | 3,444 |
| Assets per employee ($millions) | 5.4939% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7181% | 5,267 |
| Loan loss allowance to noncurrent loans | 45,400.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,395 |
| Noncurrent loans to loans | 0.0016% | 5,276 |
| Net loans and leases to total assets | 38.0813% | 5,318 |
| Net loans and leases to deposits | 51.1049% | 5,062 |
| Net loans and leases to core deposits | 51.1049% | 5,181 |
| Total domestic deposits to total assets | 74.5158% | 5,376 |
| Equity capital to assets | 24.9988% | 104 |
| Core capital (leverage) ratio | 15.4415% | 535 |
| Tier 1 risk-based capital ratio | 58.0702% | 90 |
| Total risk-based capital ratio | 58.7721% | 92 |
| Memoranda: | ||
| Average total assets | $162,170,500 | 3,402 |
| Average earning assets | $159,670,500 | 3,274 |
| Average equity | $40,802,000 | 1,831 |
| Average total loans | $62,777,500 | 4,214 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1784% | 5,331 |
| Cost of funding earning assets | 0.0760% | 5,788 |
| Net interest margin | 3.1024% | 4,719 |
| Noninterest income to average assets | 1.9976% | 342 |
| Noninterest expense to average assets | 3.0214% | 2,283 |
| Loan and lease loss provision to assets | -0.1421% | 5,739 |
| Net operating income to assets | 2.0580% | 278 |
| Return on assets (ROA) | 2.0580% | 294 |
| Pretax return on assets | 2.1637% | 351 |
| Return on Equity (ROE) | 9.0574% | 2,391 |
| Retained earnings to average equity (ytd only) | -0.5297% | 5,385 |
| Net charge-offs to loans | 0.0725% | 2,664 |
| Credit loss provision to net charge-offs | -492.4528% | 5,165 |
| Earnings coverage of net charge-offs (x) | 70.0377% | 790 |
| Efficiency ratio | 59.9136% | 4,598 |
| Assets per employee ($millions) | 5.3175% | 2,041 |
| Cash dividends to net income (ytd only)* | 105.8481% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7668% | 5,194 |
| Loan loss allowance to noncurrent loans | 47,800.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,453 |
| Noncurrent loans to loans | 0.0016% | 5,316 |
| Net loans and leases to total assets | 38.7770% | 5,369 |
| Net loans and leases to deposits | 52.3072% | 5,104 |
| Net loans and leases to core deposits | 52.3072% | 5,218 |
| Total domestic deposits to total assets | 74.1332% | 5,431 |
| Equity capital to assets | 25.3264% | 97 |
| Core capital (leverage) ratio | 12.1497% | 1,510 |
| Tier 1 risk-based capital ratio | 56.0423% | 107 |
| Total risk-based capital ratio | 56.7761% | 108 |
| Memoranda: | ||
| Average total assets | $183,624,000 | 3,126 |
| Average earning assets | $180,248,800 | 3,015 |
| Average equity | $41,722,800 | 1,778 |
| Average total loans | $73,123,200 | 3,963 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0965% | 5,474 |
| Cost of funding earning assets | 0.0745% | 5,862 |
| Net interest margin | 3.0219% | 4,970 |
| Noninterest income to average assets | 1.8391% | 396 |
| Noninterest expense to average assets | 2.7257% | 3,277 |
| Loan and lease loss provision to assets | -0.1399% | 5,831 |
| Net operating income to assets | 2.1098% | 289 |
| Return on assets (ROA) | 2.1098% | 299 |
| Pretax return on assets | 2.2181% | 369 |
| Return on Equity (ROE) | 9.5147% | 2,267 |
| Retained earnings to average equity (ytd only) | 9.5147% | 687 |
| Net charge-offs to loans | 0.0897% | 2,068 |
| Credit loss provision to net charge-offs | -390.1961% | 5,010 |
| Earnings coverage of net charge-offs (x) | 57.9593% | 982 |
| Efficiency ratio | 56.7394% | 4,987 |
| Assets per employee ($millions) | 6.0777% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7910% | 5,210 |
| Loan loss allowance to noncurrent loans | 18,066.6667% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,544 |
| Noncurrent loans to loans | 0.0044% | 5,409 |
| Net loans and leases to total assets | 39.9481% | 5,377 |
| Net loans and leases to deposits | 55.5994% | 5,019 |
| Net loans and leases to core deposits | 55.5994% | 5,168 |
| Total domestic deposits to total assets | 71.8497% | 5,601 |
| Equity capital to assets | 25.6346% | 98 |
| Core capital (leverage) ratio | 15.4334% | 565 |
| Tier 1 risk-based capital ratio | 55.1184% | 107 |
| Total risk-based capital ratio | 55.8803% | 108 |
| Memoranda: | ||
| Average total assets | $189,648,750 | 3,075 |
| Average earning assets | $186,057,000 | 2,952 |
| Average equity | $42,053,000 | 1,767 |
| Average total loans | $75,819,750 | 3,934 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0529% | 5,595 |
| Cost of funding earning assets | 0.0749% | 5,941 |
| Net interest margin | 2.9780% | 5,123 |
| Noninterest income to average assets | 1.3694% | 611 |
| Noninterest expense to average assets | 2.3881% | 4,373 |
| Loan and lease loss provision to assets | -0.0857% | 5,865 |
| Net operating income to assets | 1.8895% | 408 |
| Return on assets (ROA) | 1.8895% | 427 |
| Pretax return on assets | 1.9863% | 584 |
| Return on Equity (ROE) | 8.9238% | 2,529 |
| Retained earnings to average equity (ytd only) | 8.9238% | 871 |
| Net charge-offs to loans | 0.1355% | 1,519 |
| Credit loss provision to net charge-offs | -158.4906% | 4,679 |
| Earnings coverage of net charge-offs (x) | 35.1698% | 1,258 |
| Efficiency ratio | 55.6824% | 5,174 |
| Assets per employee ($millions) | 6.1826% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 5,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 38.8584% | 5,473 |
| Net loans and leases to deposits | 50.2334% | 5,322 |
| Net loans and leases to core deposits | 50.2334% | 5,420 |
| Total domestic deposits to total assets | 77.3557% | 5,109 |
| Equity capital to assets | 22.1622% | 152 |
| Core capital (leverage) ratio | 16.6484% | 391 |
| Tier 1 risk-based capital ratio | 51.9654% | 122 |
| Total risk-based capital ratio | 52.8438% | 122 |
| Memoranda: | ||
| Average total assets | $196,139,670 | 3,028 |
| Average earning assets | $192,278,000 | 2,906 |
| Average equity | $41,529,330 | 1,784 |
| Average total loans | $78,251,670 | 3,893 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1264% | 5,576 |
| Cost of funding earning assets | 0.0783% | 5,991 |
| Net interest margin | 3.0481% | 5,003 |
| Noninterest income to average assets | 1.0767% | 931 |
| Noninterest expense to average assets | 2.2381% | 4,809 |
| Loan and lease loss provision to assets | -0.0141% | 5,897 |
| Net operating income to assets | 1.7461% | 519 |
| Return on assets (ROA) | 1.7461% | 554 |
| Pretax return on assets | 1.8349% | 799 |
| Return on Equity (ROE) | 8.4373% | 2,688 |
| Retained earnings to average equity (ytd only) | 8.4373% | 1,285 |
| Net charge-offs to loans | 0.0702% | 1,780 |
| Credit loss provision to net charge-offs | -50.0000% | 4,151 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 739 |
| Efficiency ratio | 55.1416% | 5,272 |
| Assets per employee ($millions) | 6.1445% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 4,821 |
| Loan loss allowance to noncurrent loans | 19,275.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,684 |
| Noncurrent loans to loans | 0.0050% | 5,509 |
| Net loans and leases to total assets | 39.4311% | 5,485 |
| Net loans and leases to deposits | 49.7963% | 5,353 |
| Net loans and leases to core deposits | 49.7963% | 5,446 |
| Total domestic deposits to total assets | 79.1847% | 4,926 |
| Equity capital to assets | 20.4612% | 195 |
| Core capital (leverage) ratio | 15.3883% | 545 |
| Tier 1 risk-based capital ratio | 46.9157% | 155 |
| Total risk-based capital ratio | 47.8826% | 155 |
| Memoranda: | ||
| Average total assets | $198,379,500 | 3,004 |
| Average earning assets | $194,088,000 | 2,889 |
| Average equity | $41,056,000 | 1,802 |
| Average total loans | $79,812,000 | 3,860 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7692% | 5,903 |
| Cost of funding earning assets | 0.0827% | 6,026 |
| Net interest margin | 2.6865% | 5,664 |
| Noninterest income to average assets | 1.5821% | 507 |
| Noninterest expense to average assets | 2.8252% | 3,133 |
| Loan and lease loss provision to assets | -0.1993% | 5,984 |
| Net operating income to assets | 1.5076% | 853 |
| Return on assets (ROA) | 1.5076% | 885 |
| Pretax return on assets | 1.5835% | 1,298 |
| Return on Equity (ROE) | 7.2791% | 3,374 |
| Retained earnings to average equity (ytd only) | -1.0576% | 5,667 |
| Net charge-offs to loans | 0.0012% | 4,437 |
| Credit loss provision to net charge-offs | -40,400.0000% | 5,789 |
| Earnings coverage of net charge-offs (x) | 2,806.0000% | 9 |
| Efficiency ratio | 67.1159% | 3,725 |
| Assets per employee ($millions) | 5.5426% | 1,753 |
| Cash dividends to net income (ytd only)* | 114.5288% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 4,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 40.2634% | 5,494 |
| Net loans and leases to deposits | 51.1764% | 5,326 |
| Net loans and leases to core deposits | 51.1764% | 5,446 |
| Total domestic deposits to total assets | 78.6757% | 5,037 |
| Equity capital to assets | 20.9408% | 183 |
| Core capital (leverage) ratio | 12.6389% | 1,291 |
| Tier 1 risk-based capital ratio | 45.3292% | 164 |
| Total risk-based capital ratio | 46.3589% | 164 |
| Memoranda: | ||
| Average total assets | $202,711,000 | 2,920 |
| Average earning assets | $198,250,200 | 2,799 |
| Average equity | $41,983,200 | 1,731 |
| Average total loans | $82,531,000 | 3,760 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7772% | 5,973 |
| Cost of funding earning assets | 0.0804% | 6,118 |
| Net interest margin | 2.6968% | 5,728 |
| Noninterest income to average assets | 1.6060% | 489 |
| Noninterest expense to average assets | 2.8606% | 2,973 |
| Loan and lease loss provision to assets | -0.2362% | 6,124 |
| Net operating income to assets | 1.5442% | 858 |
| Return on assets (ROA) | 1.5442% | 898 |
| Pretax return on assets | 1.6236% | 1,319 |
| Return on Equity (ROE) | 7.4756% | 3,352 |
| Retained earnings to average equity (ytd only) | 7.4756% | 1,460 |
| Net charge-offs to loans | 0.0016% | 4,126 |
| Credit loss provision to net charge-offs | -36,300.0000% | 5,766 |
| Earnings coverage of net charge-offs (x) | 2,137.2932% | 27 |
| Efficiency ratio | 67.3407% | 3,662 |
| Assets per employee ($millions) | 5.5713% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 4,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 38.8366% | 5,655 |
| Net loans and leases to deposits | 49.8790% | 5,477 |
| Net loans and leases to core deposits | 49.8790% | 5,579 |
| Total domestic deposits to total assets | 77.8617% | 5,210 |
| Equity capital to assets | 21.6587% | 168 |
| Core capital (leverage) ratio | 13.5731% | 989 |
| Tier 1 risk-based capital ratio | 49.4568% | 140 |
| Total risk-based capital ratio | 50.5730% | 139 |
| Memoranda: | ||
| Average total assets | $204,891,250 | 2,926 |
| Average earning assets | $200,728,250 | 2,793 |
| Average equity | $42,323,250 | 1,741 |
| Average total loans | $83,439,000 | 3,769 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8548% | 5,979 |
| Cost of funding earning assets | 0.0771% | 6,205 |
| Net interest margin | 2.7777% | 5,662 |
| Noninterest income to average assets | 1.5490% | 533 |
| Noninterest expense to average assets | 2.8071% | 3,206 |
| Loan and lease loss provision to assets | -0.2714% | 6,214 |
| Net operating income to assets | 1.6527% | 683 |
| Return on assets (ROA) | 1.6527% | 710 |
| Pretax return on assets | 1.7370% | 1,005 |
| Return on Equity (ROE) | 8.1285% | 2,975 |
| Retained earnings to average equity (ytd only) | 8.1285% | 1,211 |
| Net charge-offs to loans | 0.0024% | 3,819 |
| Credit loss provision to net charge-offs | -28,000.0000% | 5,654 |
| Earnings coverage of net charge-offs (x) | 1,512.0000% | 38 |
| Efficiency ratio | 65.6987% | 4,069 |
| Assets per employee ($millions) | 5.5156% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 3,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 39.9654% | 5,636 |
| Net loans and leases to deposits | 51.6312% | 5,406 |
| Net loans and leases to core deposits | 51.6312% | 5,553 |
| Total domestic deposits to total assets | 77.4055% | 5,389 |
| Equity capital to assets | 22.1563% | 148 |
| Core capital (leverage) ratio | 13.3512% | 1,027 |
| Tier 1 risk-based capital ratio | 49.4577% | 151 |
| Total risk-based capital ratio | 50.6642% | 151 |
| Memoranda: | ||
| Average total assets | $206,333,000 | 2,933 |
| Average earning assets | $202,323,000 | 2,795 |
| Average equity | $41,951,000 | 1,761 |
| Average total loans | $85,010,330 | 3,748 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8094% | 6,064 |
| Cost of funding earning assets | 0.0764% | 6,280 |
| Net interest margin | 2.7330% | 5,763 |
| Noninterest income to average assets | 1.5119% | 535 |
| Noninterest expense to average assets | 2.6857% | 3,641 |
| Loan and lease loss provision to assets | -0.3568% | 6,322 |
| Net operating income to assets | 1.7767% | 504 |
| Return on assets (ROA) | 1.7767% | 530 |
| Pretax return on assets | 1.8688% | 760 |
| Return on Equity (ROE) | 9.1092% | 2,395 |
| Retained earnings to average equity (ytd only) | 9.1092% | 1,158 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9821% | 4,487 |
| Assets per employee ($millions) | 5.9089% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 3,980 |
| Loan loss allowance to noncurrent loans | 33,566.6667% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 5,972 |
| Noncurrent loans to loans | 0.0036% | 5,808 |
| Net loans and leases to total assets | 40.0778% | 5,595 |
| Net loans and leases to deposits | 50.5467% | 5,420 |
| Net loans and leases to core deposits | 50.5467% | 5,562 |
| Total domestic deposits to total assets | 79.2887% | 5,216 |
| Equity capital to assets | 20.3153% | 213 |
| Core capital (leverage) ratio | 11.8995% | 1,700 |
| Tier 1 risk-based capital ratio | 45.5319% | 184 |
| Total risk-based capital ratio | 46.7898% | 183 |
| Memoranda: | ||
| Average total assets | $212,976,000 | 2,880 |
| Average earning assets | $209,296,000 | 2,736 |
| Average equity | $41,540,500 | 1,775 |
| Average total loans | $88,482,000 | 3,688 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8011% | 6,203 |
| Cost of funding earning assets | 0.1208% | 6,243 |
| Net interest margin | 2.6803% | 5,970 |
| Noninterest income to average assets | 1.5618% | 512 |
| Noninterest expense to average assets | 2.3820% | 4,892 |
| Loan and lease loss provision to assets | -0.0424% | 6,007 |
| Net operating income to assets | 1.7754% | 502 |
| Return on assets (ROA) | 1.7047% | 597 |
| Pretax return on assets | 1.7922% | 805 |
| Return on Equity (ROE) | 10.4754% | 1,915 |
| Retained earnings to average equity (ytd only) | -1.2631% | 5,951 |
| Net charge-offs to loans | 0.0039% | 4,875 |
| Credit loss provision to net charge-offs | -2,775.0000% | 6,009 |
| Earnings coverage of net charge-offs (x) | 1,193.7500% | 36 |
| Efficiency ratio | 56.6303% | 5,606 |
| Assets per employee ($millions) | 5.9228% | 1,436 |
| Cash dividends to net income (ytd only)* | 112.0574% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 3,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 41.9249% | 5,623 |
| Net loans and leases to deposits | 51.8108% | 5,491 |
| Net loans and leases to core deposits | 51.8108% | 5,628 |
| Total domestic deposits to total assets | 80.9192% | 4,766 |
| Equity capital to assets | 18.7399% | 277 |
| Core capital (leverage) ratio | 8.7540% | 5,290 |
| Tier 1 risk-based capital ratio | 42.7258% | 203 |
| Total risk-based capital ratio | 43.9766% | 199 |
| Memoranda: | ||
| Average total assets | $261,750,600 | 2,410 |
| Average earning assets | $258,259,400 | 2,287 |
| Average equity | $42,595,200 | 1,688 |
| Average total loans | $103,619,000 | 3,351 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6381% | 6,362 |
| Cost of funding earning assets | 0.1106% | 6,376 |
| Net interest margin | 2.5275% | 6,204 |
| Noninterest income to average assets | 1.6230% | 492 |
| Noninterest expense to average assets | 2.4385% | 4,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5977% | 757 |
| Return on assets (ROA) | 1.5066% | 960 |
| Pretax return on assets | 1.5839% | 1,376 |
| Return on Equity (ROE) | 9.5490% | 2,428 |
| Retained earnings to average equity (ytd only) | 9.5490% | 821 |
| Net charge-offs to loans | 0.0050% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 858.5159% | 84 |
| Efficiency ratio | 59.2108% | 5,284 |
| Assets per employee ($millions) | 7.6397% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 3,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 37.3566% | 5,972 |
| Net loans and leases to deposits | 44.5724% | 5,943 |
| Net loans and leases to core deposits | 44.6668% | 6,012 |
| Total domestic deposits to total assets | 83.8112% | 3,833 |
| Equity capital to assets | 15.8075% | 592 |
| Core capital (leverage) ratio | 7.9548% | 6,101 |
| Tier 1 risk-based capital ratio | 40.2989% | 239 |
| Total risk-based capital ratio | 41.5502% | 233 |
| Memoranda: | ||
| Average total assets | $272,402,750 | 2,357 |
| Average earning assets | $268,924,000 | 2,220 |
| Average equity | $42,977,250 | 1,683 |
| Average total loans | $106,255,750 | 3,324 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6372% | 6,427 |
| Cost of funding earning assets | 0.0753% | 6,534 |
| Net interest margin | 2.5619% | 6,214 |
| Noninterest income to average assets | 1.6901% | 452 |
| Noninterest expense to average assets | 2.4217% | 4,816 |
| Loan and lease loss provision to assets | 0.0669% | 2,925 |
| Net operating income to assets | 1.6477% | 643 |
| Return on assets (ROA) | 1.6477% | 675 |
| Pretax return on assets | 1.7317% | 958 |
| Return on Equity (ROE) | 10.4507% | 1,956 |
| Retained earnings to average equity (ytd only) | 10.4507% | 623 |
| Net charge-offs to loans | 0.0057% | 4,185 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 806.3333% | 82 |
| Efficiency ratio | 57.3820% | 5,622 |
| Assets per employee ($millions) | 6.4113% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 3,306 |
| Loan loss allowance to noncurrent loans | 37,200.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 6,276 |
| Noncurrent loans to loans | 0.0038% | 6,096 |
| Net loans and leases to total assets | 42.7626% | 5,624 |
| Net loans and leases to deposits | 52.2929% | 5,479 |
| Net loans and leases to core deposits | 52.4244% | 5,644 |
| Total domestic deposits to total assets | 81.7752% | 4,727 |
| Equity capital to assets | 17.8969% | 332 |
| Core capital (leverage) ratio | 10.9024% | 2,524 |
| Tier 1 risk-based capital ratio | 40.4865% | 233 |
| Total risk-based capital ratio | 41.7383% | 227 |
| Memoranda: | ||
| Average total assets | $268,980,330 | 2,380 |
| Average earning assets | $265,661,330 | 2,239 |
| Average equity | $42,408,670 | 1,688 |
| Average total loans | $106,010,000 | 3,334 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6142% | 6,509 |
| Cost of funding earning assets | 0.0560% | 6,655 |
| Net interest margin | 2.5582% | 6,276 |
| Noninterest income to average assets | 1.4614% | 551 |
| Noninterest expense to average assets | 2.2808% | 5,246 |
| Loan and lease loss provision to assets | 0.0540% | 3,034 |
| Net operating income to assets | 1.5750% | 697 |
| Return on assets (ROA) | 1.5750% | 725 |
| Pretax return on assets | 1.6559% | 1,062 |
| Return on Equity (ROE) | 10.6094% | 1,816 |
| Retained earnings to average equity (ytd only) | 10.6094% | 815 |
| Net charge-offs to loans | 0.0113% | 3,396 |
| Credit loss provision to net charge-offs | 1,266.6667% | 255 |
| Earnings coverage of net charge-offs (x) | 401.3333% | 114 |
| Efficiency ratio | 57.1530% | 5,737 |
| Assets per employee ($millions) | 7.2229% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 3,723 |
| Loan loss allowance to noncurrent loans | 71,800.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 6,356 |
| Noncurrent loans to loans | 0.0019% | 6,196 |
| Net loans and leases to total assets | 35.6681% | 6,082 |
| Net loans and leases to deposits | 41.9487% | 6,078 |
| Net loans and leases to core deposits | 42.0343% | 6,157 |
| Total domestic deposits to total assets | 85.0277% | 3,851 |
| Equity capital to assets | 14.6722% | 742 |
| Core capital (leverage) ratio | 8.5409% | 5,593 |
| Tier 1 risk-based capital ratio | 39.2848% | 247 |
| Total risk-based capital ratio | 40.5361% | 244 |
| Memoranda: | ||
| Average total assets | $281,656,000 | 2,289 |
| Average earning assets | $278,479,000 | 2,159 |
| Average equity | $41,812,000 | 1,709 |
| Average total loans | $106,180,000 | 3,337 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6070% | 5,386 |
| Cost of funding earning assets | 0.0577% | 6,743 |
| Net interest margin | 3.5493% | 3,688 |
| Noninterest income to average assets | 2.6461% | 261 |
| Noninterest expense to average assets | 3.2223% | 2,351 |
| Loan and lease loss provision to assets | 0.0732% | 3,653 |
| Net operating income to assets | 2.7062% | 142 |
| Return on assets (ROA) | 2.6517% | 149 |
| Pretax return on assets | 2.7874% | 151 |
| Return on Equity (ROE) | 12.0844% | 1,391 |
| Retained earnings to average equity (ytd only) | 0.4132% | 5,662 |
| Net charge-offs to loans | 0.0101% | 5,245 |
| Credit loss provision to net charge-offs | 1,430.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 569.7000% | 65 |
| Efficiency ratio | 52.4775% | 6,255 |
| Assets per employee ($millions) | 6.8600% | 825 |
| Cash dividends to net income (ytd only)* | 96.5810% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 4,150 |
| Loan loss allowance to noncurrent loans | 20,014.2857% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 6,443 |
| Noncurrent loans to loans | 0.0065% | 6,281 |
| Net loans and leases to total assets | 38.8024% | 6,037 |
| Net loans and leases to deposits | 45.7996% | 6,028 |
| Net loans and leases to core deposits | 45.8983% | 6,139 |
| Total domestic deposits to total assets | 84.7222% | 3,883 |
| Equity capital to assets | 15.0271% | 664 |
| Core capital (leverage) ratio | 7.1573% | 6,488 |
| Tier 1 risk-based capital ratio | 35.5564% | 307 |
| Total risk-based capital ratio | 36.8064% | 301 |
| Memoranda: | ||
| Average total assets | $195,233,200 | 3,085 |
| Average earning assets | $192,208,000 | 2,926 |
| Average equity | $42,840,200 | 1,640 |
| Average total loans | $98,828,200 | 3,476 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 4,180 |
| Cost of funding earning assets | 0.0356% | 6,841 |
| Net interest margin | 3.9512% | 2,108 |
| Noninterest income to average assets | 2.9547% | 243 |
| Noninterest expense to average assets | 3.6319% | 1,345 |
| Loan and lease loss provision to assets | -0.0350% | 6,523 |
| Net operating income to assets | 3.0842% | 99 |
| Return on assets (ROA) | 3.0034% | 109 |
| Pretax return on assets | 3.1569% | 118 |
| Return on Equity (ROE) | 12.1854% | 1,423 |
| Retained earnings to average equity (ytd only) | 12.1854% | 401 |
| Net charge-offs to loans | 0.0097% | 4,952 |
| Credit loss provision to net charge-offs | -657.1429% | 6,105 |
| Earnings coverage of net charge-offs (x) | 603.0579% | 92 |
| Efficiency ratio | 53.1059% | 6,173 |
| Assets per employee ($millions) | 4.7321% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 4,424 |
| Loan loss allowance to noncurrent loans | 30,375.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 6,528 |
| Noncurrent loans to loans | 0.0043% | 6,376 |
| Net loans and leases to total assets | 50.2089% | 5,116 |
| Net loans and leases to deposits | 66.8388% | 4,197 |
| Net loans and leases to core deposits | 66.8388% | 4,639 |
| Total domestic deposits to total assets | 75.1193% | 6,269 |
| Equity capital to assets | 24.3859% | 100 |
| Core capital (leverage) ratio | 24.7327% | 90 |
| Tier 1 risk-based capital ratio | 45.5315% | 168 |
| Total risk-based capital ratio | 46.7825% | 169 |
| Memoranda: | ||
| Average total assets | $175,442,000 | 3,356 |
| Average earning assets | $172,466,250 | 3,213 |
| Average equity | $43,241,750 | 1,630 |
| Average total loans | $96,566,750 | 3,561 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1298% | 3,625 |
| Cost of funding earning assets | 0.0354% | 6,893 |
| Net interest margin | 4.0944% | 1,559 |
| Noninterest income to average assets | 2.8746% | 271 |
| Noninterest expense to average assets | 3.5231% | 1,550 |
| Loan and lease loss provision to assets | -0.0232% | 6,602 |
| Net operating income to assets | 3.2360% | 99 |
| Return on assets (ROA) | 3.1600% | 106 |
| Pretax return on assets | 3.3212% | 117 |
| Return on Equity (ROE) | 12.7725% | 1,295 |
| Retained earnings to average equity (ytd only) | 12.7725% | 409 |
| Net charge-offs to loans | 0.0123% | 4,616 |
| Credit loss provision to net charge-offs | -333.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | 485.3333% | 99 |
| Efficiency ratio | 51.0506% | 6,353 |
| Assets per employee ($millions) | 4.4998% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 4,718 |
| Loan loss allowance to noncurrent loans | 20,700.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 6,564 |
| Noncurrent loans to loans | 0.0061% | 6,425 |
| Net loans and leases to total assets | 60.3535% | 3,598 |
| Net loans and leases to deposits | 83.2828% | 1,894 |
| Net loans and leases to core deposits | 83.2828% | 2,656 |
| Total domestic deposits to total assets | 72.4681% | 6,537 |
| Equity capital to assets | 27.0152% | 72 |
| Core capital (leverage) ratio | 27.2567% | 66 |
| Tier 1 risk-based capital ratio | 42.9563% | 197 |
| Total risk-based capital ratio | 44.1305% | 198 |
| Memoranda: | ||
| Average total assets | $172,405,000 | 3,423 |
| Average earning assets | $169,548,000 | 3,263 |
| Average equity | $42,654,000 | 1,655 |
| Average total loans | $97,463,330 | 3,551 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4680% | 2,279 |
| Cost of funding earning assets | 0.0366% | 6,973 |
| Net interest margin | 4.4314% | 762 |
| Noninterest income to average assets | 2.6170% | 300 |
| Noninterest expense to average assets | 3.5358% | 1,550 |
| Loan and lease loss provision to assets | -0.1149% | 6,851 |
| Net operating income to assets | 3.3872% | 85 |
| Return on assets (ROA) | 3.3872% | 90 |
| Pretax return on assets | 3.5606% | 106 |
| Return on Equity (ROE) | 14.2900% | 904 |
| Retained earnings to average equity (ytd only) | 14.2900% | 419 |
| Net charge-offs to loans | 0.0083% | 3,984 |
| Credit loss provision to net charge-offs | -2,550.0000% | 5,800 |
| Earnings coverage of net charge-offs (x) | 765.0000% | 34 |
| Efficiency ratio | 50.6452% | 6,464 |
| Assets per employee ($millions) | 5.3419% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 4,694 |
| Loan loss allowance to noncurrent loans | 12,150.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 6,614 |
| Noncurrent loans to loans | 0.0107% | 6,470 |
| Net loans and leases to total assets | 52.3218% | 4,660 |
| Net loans and leases to deposits | 69.4366% | 3,585 |
| Net loans and leases to core deposits | 69.4366% | 4,144 |
| Total domestic deposits to total assets | 75.3520% | 6,424 |
| Equity capital to assets | 24.2810% | 103 |
| Core capital (leverage) ratio | 21.9902% | 132 |
| Tier 1 risk-based capital ratio | 45.6730% | 161 |
| Total risk-based capital ratio | 46.9245% | 161 |
| Memoranda: | ||
| Average total assets | $177,610,500 | 3,380 |
| Average earning assets | $174,934,500 | 3,211 |
| Average equity | $42,099,500 | 1,695 |
| Average total loans | $96,689,500 | 3,602 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3776% | 6,506 |
| Cost of funding earning assets | 0.0483% | 7,038 |
| Net interest margin | 3.3294% | 5,144 |
| Noninterest income to average assets | 3.0596% | 247 |
| Noninterest expense to average assets | 3.6391% | 1,527 |
| Loan and lease loss provision to assets | 0.1703% | 3,490 |
| Net operating income to assets | 2.4096% | 174 |
| Return on assets (ROA) | 2.4277% | 187 |
| Pretax return on assets | 2.5518% | 240 |
| Return on Equity (ROE) | 9.2984% | 2,484 |
| Retained earnings to average equity (ytd only) | -27.1515% | 6,915 |
| Net charge-offs to loans | 0.0079% | 5,837 |
| Credit loss provision to net charge-offs | 5,114.2857% | 48 |
| Earnings coverage of net charge-offs (x) | 811.5714% | 44 |
| Efficiency ratio | 57.3786% | 5,911 |
| Assets per employee ($millions) | 4.8362% | 2,439 |
| Cash dividends to net income (ytd only)* | 392.0031% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 4,787 |
| Loan loss allowance to noncurrent loans | 31,700.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 6,711 |
| Noncurrent loans to loans | 0.0040% | 6,581 |
| Net loans and leases to total assets | 55.1372% | 4,433 |
| Net loans and leases to deposits | 71.9961% | 3,413 |
| Net loans and leases to core deposits | 71.9961% | 4,046 |
| Total domestic deposits to total assets | 76.5836% | 6,275 |
| Equity capital to assets | 23.1341% | 123 |
| Core capital (leverage) ratio | 16.9080% | 361 |
| Tier 1 risk-based capital ratio | 39.6646% | 244 |
| Total risk-based capital ratio | 40.9154% | 239 |
| Memoranda: | ||
| Average total assets | $210,161,600 | 2,922 |
| Average earning assets | $207,216,600 | 2,775 |
| Average equity | $54,869,800 | 1,300 |
| Average total loans | $88,600,400 | 3,782 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3443% | 6,687 |
| Cost of funding earning assets | 0.0533% | 7,143 |
| Net interest margin | 3.2910% | 5,427 |
| Noninterest income to average assets | 3.1319% | 236 |
| Noninterest expense to average assets | 3.6573% | 1,440 |
| Loan and lease loss provision to assets | 0.1645% | 3,463 |
| Net operating income to assets | 2.4309% | 199 |
| Return on assets (ROA) | 2.4431% | 211 |
| Pretax return on assets | 2.5685% | 264 |
| Return on Equity (ROE) | 9.1438% | 2,730 |
| Retained earnings to average equity (ytd only) | 9.1438% | 1,168 |
| Net charge-offs to loans | 0.0062% | 5,657 |
| Credit loss provision to net charge-offs | 6,725.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,112.4184% | 35 |
| Efficiency ratio | 57.3470% | 5,874 |
| Assets per employee ($millions) | 4.7813% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 4,941 |
| Loan loss allowance to noncurrent loans | 19,700.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 6,806 |
| Noncurrent loans to loans | 0.0065% | 6,663 |
| Net loans and leases to total assets | 44.6355% | 5,914 |
| Net loans and leases to deposits | 63.5781% | 4,767 |
| Net loans and leases to core deposits | 63.5781% | 5,201 |
| Total domestic deposits to total assets | 70.2058% | 6,830 |
| Equity capital to assets | 29.3836% | 72 |
| Core capital (leverage) ratio | 24.9065% | 98 |
| Tier 1 risk-based capital ratio | 59.2250% | 98 |
| Total risk-based capital ratio | 60.4249% | 96 |
| Memoranda: | ||
| Average total assets | $217,967,250 | 2,875 |
| Average earning assets | $214,965,500 | 2,699 |
| Average equity | $58,238,250 | 1,223 |
| Average total loans | $85,768,000 | 3,896 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1940% | 6,877 |
| Cost of funding earning assets | 0.0530% | 7,208 |
| Net interest margin | 3.1410% | 5,886 |
| Noninterest income to average assets | 3.2023% | 223 |
| Noninterest expense to average assets | 3.4886% | 1,810 |
| Loan and lease loss provision to assets | 0.3260% | 2,018 |
| Net operating income to assets | 2.3647% | 215 |
| Return on assets (ROA) | 2.3792% | 241 |
| Pretax return on assets | 2.5008% | 299 |
| Return on Equity (ROE) | 9.1873% | 2,720 |
| Retained earnings to average equity (ytd only) | 9.1873% | 1,212 |
| Net charge-offs to loans | 0.0072% | 5,380 |
| Credit loss provision to net charge-offs | 12,066.6667% | 17 |
| Earnings coverage of net charge-offs (x) | 1,040.6667% | 30 |
| Efficiency ratio | 55.3745% | 6,185 |
| Assets per employee ($millions) | 5.1130% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 4,984 |
| Loan loss allowance to noncurrent loans | 42,533.3333% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,869 |
| Noncurrent loans to loans | 0.0030% | 6,722 |
| Net loans and leases to total assets | 43.7436% | 6,041 |
| Net loans and leases to deposits | 59.6374% | 5,273 |
| Net loans and leases to core deposits | 59.6374% | 5,628 |
| Total domestic deposits to total assets | 73.3493% | 6,727 |
| Equity capital to assets | 26.2497% | 91 |
| Core capital (leverage) ratio | 25.1468% | 96 |
| Tier 1 risk-based capital ratio | 55.4923% | 110 |
| Total risk-based capital ratio | 56.7498% | 110 |
| Memoranda: | ||
| Average total assets | $222,091,670 | 2,842 |
| Average earning assets | $219,035,670 | 2,656 |
| Average equity | $57,514,000 | 1,230 |
| Average total loans | $83,374,000 | 4,001 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9703% | 7,052 |
| Cost of funding earning assets | 0.0570% | 7,270 |
| Net interest margin | 2.9133% | 6,470 |
| Noninterest income to average assets | 2.4382% | 308 |
| Noninterest expense to average assets | 3.3845% | 2,043 |
| Loan and lease loss provision to assets | 0.3100% | 2,031 |
| Net operating income to assets | 1.5391% | 958 |
| Return on assets (ROA) | 1.5391% | 1,078 |
| Pretax return on assets | 1.6170% | 1,515 |
| Return on Equity (ROE) | 5.9848% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.9848% | 2,967 |
| Net charge-offs to loans | 0.0160% | 4,461 |
| Credit loss provision to net charge-offs | 5,700.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 354.3333% | 88 |
| Efficiency ratio | 63.7201% | 4,975 |
| Assets per employee ($millions) | 5.2579% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 4,946 |
| Loan loss allowance to noncurrent loans | 108,500.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 6,965 |
| Noncurrent loans to loans | 0.0012% | 6,810 |
| Net loans and leases to total assets | 36.8318% | 6,569 |
| Net loans and leases to deposits | 49.8465% | 6,153 |
| Net loans and leases to core deposits | 49.8465% | 6,357 |
| Total domestic deposits to total assets | 73.8904% | 6,758 |
| Equity capital to assets | 25.8859% | 87 |
| Core capital (leverage) ratio | 22.0923% | 130 |
| Tier 1 risk-based capital ratio | 64.4955% | 81 |
| Total risk-based capital ratio | 65.7453% | 80 |
| Memoranda: | ||
| Average total assets | $220,652,500 | 2,888 |
| Average earning assets | $217,622,000 | 2,678 |
| Average equity | $56,744,000 | 1,255 |
| Average total loans | $75,218,000 | 4,265 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1981% | 7,122 |
| Cost of funding earning assets | 0.0990% | 7,306 |
| Net interest margin | 3.0991% | 6,347 |
| Noninterest income to average assets | 3.6656% | 171 |
| Noninterest expense to average assets | 4.2588% | 750 |
| Loan and lease loss provision to assets | 0.0867% | 5,511 |
| Net operating income to assets | 2.2510% | 207 |
| Return on assets (ROA) | 2.3076% | 195 |
| Pretax return on assets | 2.4260% | 240 |
| Return on Equity (ROE) | 8.4938% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.4938% | 928 |
| Net charge-offs to loans | 0.0383% | 5,929 |
| Credit loss provision to net charge-offs | 692.0000% | 320 |
| Earnings coverage of net charge-offs (x) | 195.6800% | 175 |
| Efficiency ratio | 63.4516% | 5,222 |
| Assets per employee ($millions) | 5.8019% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 4,673 |
| Loan loss allowance to noncurrent loans | 13,100.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 7,002 |
| Noncurrent loans to loans | 0.0103% | 6,827 |
| Net loans and leases to total assets | 30.4335% | 6,995 |
| Net loans and leases to deposits | 40.9516% | 6,832 |
| Net loans and leases to core deposits | 40.9516% | 6,919 |
| Total domestic deposits to total assets | 74.3158% | 6,685 |
| Equity capital to assets | 25.5468% | 100 |
| Core capital (leverage) ratio | 14.0821% | 807 |
| Tier 1 risk-based capital ratio | 74.3803% | 60 |
| Total risk-based capital ratio | 75.6308% | 60 |
| Memoranda: | ||
| Average total assets | $199,424,200 | 3,063 |
| Average earning assets | $196,025,600 | 2,904 |
| Average equity | $54,180,400 | 1,255 |
| Average total loans | $65,296,200 | 4,661 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2246% | 7,199 |
| Cost of funding earning assets | 0.0671% | 7,398 |
| Net interest margin | 3.1574% | 6,265 |
| Noninterest income to average assets | 4.0096% | 155 |
| Noninterest expense to average assets | 4.4525% | 600 |
| Loan and lease loss provision to assets | 0.1071% | 5,098 |
| Net operating income to assets | 2.4267% | 174 |
| Return on assets (ROA) | 2.5044% | 162 |
| Pretax return on assets | 2.6321% | 194 |
| Return on Equity (ROE) | 9.0644% | 2,565 |
| Retained earnings to average equity (ytd only) | 9.0644% | 1,120 |
| Net charge-offs to loans | 0.0392% | 5,599 |
| Credit loss provision to net charge-offs | 821.0526% | 324 |
| Earnings coverage of net charge-offs (x) | 203.7059% | 194 |
| Efficiency ratio | 62.6231% | 5,309 |
| Assets per employee ($millions) | 3.9533% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 4,961 |
| Loan loss allowance to noncurrent loans | 8,236.3636% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 7,061 |
| Noncurrent loans to loans | 0.0159% | 6,907 |
| Net loans and leases to total assets | 42.0724% | 6,501 |
| Net loans and leases to deposits | 64.1853% | 5,145 |
| Net loans and leases to core deposits | 64.2336% | 5,593 |
| Total domestic deposits to total assets | 65.5483% | 7,210 |
| Equity capital to assets | 34.1716% | 60 |
| Core capital (leverage) ratio | 17.0401% | 396 |
| Tier 1 risk-based capital ratio | 80.4161% | 67 |
| Total risk-based capital ratio | 81.6671% | 67 |
| Memoranda: | ||
| Average total assets | $194,161,750 | 3,144 |
| Average earning assets | $190,657,250 | 2,968 |
| Average equity | $53,644,500 | 1,268 |
| Average total loans | $64,616,500 | 4,727 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9548% | 7,347 |
| Cost of funding earning assets | 0.0278% | 7,481 |
| Net interest margin | 2.9270% | 6,743 |
| Noninterest income to average assets | 3.7851% | 179 |
| Noninterest expense to average assets | 4.0770% | 935 |
| Loan and lease loss provision to assets | 0.0820% | 5,285 |
| Net operating income to assets | 2.3802% | 196 |
| Return on assets (ROA) | 2.3802% | 201 |
| Pretax return on assets | 2.5023% | 248 |
| Return on Equity (ROE) | 9.1890% | 2,437 |
| Retained earnings to average equity (ytd only) | 9.1890% | 1,049 |
| Net charge-offs to loans | 0.0444% | 5,234 |
| Credit loss provision to net charge-offs | 600.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 189.0714% | 195 |
| Efficiency ratio | 61.2047% | 5,700 |
| Assets per employee ($millions) | 3.4093% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 5,261 |
| Loan loss allowance to noncurrent loans | 9,322.2222% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 7,117 |
| Noncurrent loans to loans | 0.0135% | 6,971 |
| Net loans and leases to total assets | 47.0683% | 6,148 |
| Net loans and leases to deposits | 77.3853% | 3,236 |
| Net loans and leases to core deposits | 77.4582% | 4,124 |
| Total domestic deposits to total assets | 60.8233% | 7,368 |
| Equity capital to assets | 38.8684% | 56 |
| Core capital (leverage) ratio | 16.1309% | 492 |
| Tier 1 risk-based capital ratio | 73.3452% | 75 |
| Total risk-based capital ratio | 74.5075% | 75 |
| Memoranda: | ||
| Average total assets | $204,854,000 | 3,040 |
| Average earning assets | $201,297,330 | 2,857 |
| Average equity | $53,063,670 | 1,266 |
| Average total loans | $63,122,330 | 4,826 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3482% | 7,490 |
| Cost of funding earning assets | 0.0257% | 7,545 |
| Net interest margin | 2.3225% | 7,302 |
| Noninterest income to average assets | 3.2689% | 196 |
| Noninterest expense to average assets | 3.4660% | 2,100 |
| Loan and lease loss provision to assets | 0.0927% | 4,856 |
| Net operating income to assets | 1.9007% | 404 |
| Return on assets (ROA) | 1.9007% | 427 |
| Pretax return on assets | 1.9984% | 563 |
| Return on Equity (ROE) | 8.6058% | 2,653 |
| Retained earnings to average equity (ytd only) | 8.6058% | 1,518 |
| Net charge-offs to loans | 0.0456% | 4,483 |
| Credit loss provision to net charge-offs | 785.7143% | 485 |
| Earnings coverage of net charge-offs (x) | 177.2857% | 180 |
| Efficiency ratio | 62.3711% | 5,619 |
| Assets per employee ($millions) | 6.6785% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 5,166 |
| Loan loss allowance to noncurrent loans | 7,427.2727% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 7,191 |
| Noncurrent loans to loans | 0.0174% | 7,022 |
| Net loans and leases to total assets | 26.6869% | 7,328 |
| Net loans and leases to deposits | 34.6186% | 7,258 |
| Net loans and leases to core deposits | 34.6340% | 7,292 |
| Total domestic deposits to total assets | 77.0881% | 6,522 |
| Equity capital to assets | 22.6667% | 152 |
| Core capital (leverage) ratio | 16.0328% | 493 |
| Tier 1 risk-based capital ratio | 73.8832% | 75 |
| Total risk-based capital ratio | 75.0552% | 72 |
| Memoranda: | ||
| Average total assets | $237,390,000 | 2,703 |
| Average earning assets | $233,883,000 | 2,506 |
| Average equity | $52,430,000 | 1,273 |
| Average total loans | $61,367,500 | 4,939 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0908% | 7,559 |
| Cost of funding earning assets | 0.0228% | 7,625 |
| Net interest margin | 2.0680% | 7,439 |
| Noninterest income to average assets | 4.1496% | 161 |
| Noninterest expense to average assets | 3.6826% | 1,744 |
| Loan and lease loss provision to assets | 0.1021% | 6,123 |
| Net operating income to assets | 2.2870% | 160 |
| Return on assets (ROA) | 2.2870% | 165 |
| Pretax return on assets | 2.4042% | 216 |
| Return on Equity (ROE) | 8.7782% | 2,386 |
| Retained earnings to average equity (ytd only) | -35.1548% | 7,282 |
| Net charge-offs to loans | 0.0858% | 5,980 |
| Credit loss provision to net charge-offs | 644.4444% | 329 |
| Earnings coverage of net charge-offs (x) | 158.2667% | 156 |
| Efficiency ratio | 59.5042% | 6,120 |
| Assets per employee ($millions) | 6.8866% | 783 |
| Cash dividends to net income (ytd only)* | 500.4770% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 5,049 |
| Loan loss allowance to noncurrent loans | 5,492.8571% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 7,250 |
| Noncurrent loans to loans | 0.0235% | 7,080 |
| Net loans and leases to total assets | 24.3822% | 7,464 |
| Net loans and leases to deposits | 31.1719% | 7,442 |
| Net loans and leases to core deposits | 31.1851% | 7,460 |
| Total domestic deposits to total assets | 78.2187% | 6,271 |
| Equity capital to assets | 21.5229% | 193 |
| Core capital (leverage) ratio | 15.1828% | 631 |
| Tier 1 risk-based capital ratio | 87.0477% | 60 |
| Total risk-based capital ratio | 88.3146% | 58 |
| Memoranda: | ||
| Average total assets | $284,173,600 | 2,251 |
| Average earning assets | $280,223,400 | 2,103 |
| Average equity | $74,035,400 | 899 |
| Average total loans | $52,465,000 | 5,386 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0220% | 7,689 |
| Cost of funding earning assets | 0.0215% | 7,730 |
| Net interest margin | 2.0005% | 7,581 |
| Noninterest income to average assets | 4.3200% | 163 |
| Noninterest expense to average assets | 3.6131% | 1,761 |
| Loan and lease loss provision to assets | 0.1207% | 5,821 |
| Net operating income to assets | 2.4446% | 153 |
| Return on assets (ROA) | 2.4446% | 159 |
| Pretax return on assets | 2.5594% | 208 |
| Return on Equity (ROE) | 9.0613% | 2,471 |
| Retained earnings to average equity (ytd only) | 9.0613% | 1,039 |
| Net charge-offs to loans | 0.0999% | 5,530 |
| Credit loss provision to net charge-offs | 702.6316% | 423 |
| Earnings coverage of net charge-offs (x) | 156.0122% | 204 |
| Efficiency ratio | 57.4127% | 6,360 |
| Assets per employee ($millions) | 7.9370% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 4,983 |
| Loan loss allowance to noncurrent loans | 6,283.3333% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 7,369 |
| Noncurrent loans to loans | 0.0206% | 7,212 |
| Net loans and leases to total assets | 19.0249% | 7,628 |
| Net loans and leases to deposits | 26.3791% | 7,613 |
| Net loans and leases to core deposits | 26.3888% | 7,617 |
| Total domestic deposits to total assets | 72.1212% | 7,117 |
| Equity capital to assets | 27.6219% | 104 |
| Core capital (leverage) ratio | 29.2767% | 89 |
| Tier 1 risk-based capital ratio | 145.7896% | 46 |
| Total risk-based capital ratio | 147.0408% | 46 |
| Memoranda: | ||
| Average total assets | $294,959,000 | 2,217 |
| Average earning assets | $290,920,500 | 2,071 |
| Average equity | $79,575,000 | 827 |
| Average total loans | $50,696,750 | 5,543 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0580% | 7,767 |
| Cost of funding earning assets | 0.0236% | 7,800 |
| Net interest margin | 2.0345% | 7,637 |
| Noninterest income to average assets | 4.7181% | 145 |
| Noninterest expense to average assets | 3.6810% | 1,589 |
| Loan and lease loss provision to assets | 0.1626% | 5,264 |
| Net operating income to assets | 2.7560% | 105 |
| Return on assets (ROA) | 2.7560% | 109 |
| Pretax return on assets | 2.8810% | 142 |
| Return on Equity (ROE) | 10.3000% | 1,992 |
| Retained earnings to average equity (ytd only) | 10.3000% | 782 |
| Net charge-offs to loans | 0.1286% | 4,912 |
| Credit loss provision to net charge-offs | 767.7419% | 481 |
| Earnings coverage of net charge-offs (x) | 143.7097% | 240 |
| Efficiency ratio | 54.7394% | 6,790 |
| Assets per employee ($millions) | 7.8490% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 5,436 |
| Loan loss allowance to noncurrent loans | 23.2455% | 6,776 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 5,029 |
| Noncurrent loans to loans | 5.1829% | 1,320 |
| Net loans and leases to total assets | 20.1253% | 7,692 |
| Net loans and leases to deposits | 27.8620% | 7,670 |
| Net loans and leases to core deposits | 27.8724% | 7,679 |
| Total domestic deposits to total assets | 72.2318% | 7,167 |
| Equity capital to assets | 27.4701% | 105 |
| Core capital (leverage) ratio | 26.6969% | 114 |
| Tier 1 risk-based capital ratio | 87.6651% | 61 |
| Total risk-based capital ratio | 88.4747% | 61 |
| Memoranda: | ||
| Average total assets | $292,743,670 | 2,247 |
| Average earning assets | $288,720,330 | 2,096 |
| Average equity | $78,330,330 | 834 |
| Average total loans | $48,217,670 | 5,682 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1684% | 7,868 |
| Cost of funding earning assets | 0.0252% | 7,903 |
| Net interest margin | 2.1433% | 7,673 |
| Noninterest income to average assets | 5.1823% | 138 |
| Noninterest expense to average assets | 3.8526% | 1,240 |
| Loan and lease loss provision to assets | 0.0386% | 6,289 |
| Net operating income to assets | 3.2402% | 77 |
| Return on assets (ROA) | 3.2402% | 84 |
| Pretax return on assets | 3.4057% | 105 |
| Return on Equity (ROE) | 12.2777% | 1,421 |
| Retained earnings to average equity (ytd only) | 12.2777% | 708 |
| Net charge-offs to loans | 0.1812% | 3,835 |
| Credit loss provision to net charge-offs | 147.3684% | 2,416 |
| Earnings coverage of net charge-offs (x) | 131.4211% | 251 |
| Efficiency ratio | 52.7977% | 7,074 |
| Assets per employee ($millions) | 7.8420% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 4,946 |
| Loan loss allowance to noncurrent loans | 16.8880% | 7,155 |
| Noncurrent assets plus other real estate owned to assets | 1.1859% | 4,803 |
| Noncurrent loans to loans | 7.6908% | 724 |
| Net loans and leases to total assets | 15.2197% | 7,831 |
| Net loans and leases to deposits | 21.5307% | 7,821 |
| Net loans and leases to core deposits | 21.5397% | 7,818 |
| Total domestic deposits to total assets | 70.6884% | 7,367 |
| Equity capital to assets | 28.9771% | 95 |
| Core capital (leverage) ratio | 22.5776% | 174 |
| Tier 1 risk-based capital ratio | 88.2601% | 60 |
| Total risk-based capital ratio | 88.8734% | 60 |
| Memoranda: | ||
| Average total assets | $289,984,500 | 2,311 |
| Average earning assets | $286,103,000 | 2,171 |
| Average equity | $76,529,000 | 860 |
| Average total loans | $41,947,500 | 6,028 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6256% | 7,945 |
| Cost of funding earning assets | 0.0769% | 7,970 |
| Net interest margin | 1.5487% | 7,856 |
| Noninterest income to average assets | 6.5661% | 110 |
| Noninterest expense to average assets | 4.8749% | 577 |
| Loan and lease loss provision to assets | 0.1117% | 6,527 |
| Net operating income to assets | 2.9588% | 57 |
| Return on assets (ROA) | 2.9823% | 61 |
| Pretax return on assets | 3.1347% | 86 |
| Return on Equity (ROE) | 10.8302% | 1,471 |
| Retained earnings to average equity (ytd only) | 10.8302% | 297 |
| Net charge-offs to loans | 0.3494% | 4,483 |
| Credit loss provision to net charge-offs | 370.1299% | 865 |
| Earnings coverage of net charge-offs (x) | 106.7532% | 262 |
| Efficiency ratio | 60.2091% | 6,458 |
| Assets per employee ($millions) | 6.5279% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 5,194 |
| Loan loss allowance to noncurrent loans | 16.5511% | 7,198 |
| Noncurrent assets plus other real estate owned to assets | 1.0123% | 5,090 |
| Noncurrent loans to loans | 7.4145% | 719 |
| Net loans and leases to total assets | 13.4856% | 7,917 |
| Net loans and leases to deposits | 17.8466% | 7,924 |
| Net loans and leases to core deposits | 17.9142% | 7,928 |
| Total domestic deposits to total assets | 75.5643% | 6,765 |
| Equity capital to assets | 24.1899% | 179 |
| Core capital (leverage) ratio | 23.3394% | 186 |
| Tier 1 risk-based capital ratio | 84.5870% | 71 |
| Total risk-based capital ratio | 85.1883% | 71 |
| Memoranda: | ||
| Average total assets | $255,142,600 | 2,564 |
| Average earning assets | $252,149,400 | 2,386 |
| Average equity | $70,257,000 | 927 |
| Average total loans | $22,036,800 | 7,086 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5662% | 8,045 |
| Cost of funding earning assets | 0.0969% | 8,054 |
| Net interest margin | 1.4692% | 7,949 |
| Noninterest income to average assets | 7.2491% | 102 |
| Noninterest expense to average assets | 5.0069% | 485 |
| Loan and lease loss provision to assets | 0.0327% | 7,030 |
| Net operating income to assets | 3.4847% | 47 |
| Return on assets (ROA) | 3.5179% | 48 |
| Pretax return on assets | 3.6974% | 61 |
| Return on Equity (ROE) | 12.2892% | 1,291 |
| Retained earnings to average equity (ytd only) | 12.2892% | 319 |
| Net charge-offs to loans | 0.5143% | 3,154 |
| Credit loss provision to net charge-offs | 90.7692% | 5,461 |
| Earnings coverage of net charge-offs (x) | 102.5899% | 353 |
| Efficiency ratio | 57.5368% | 6,783 |
| Assets per employee ($millions) | 9.1812% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 3,721 |
| Loan loss allowance to noncurrent loans | 1,196.1538% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 7,576 |
| Noncurrent loans to loans | 0.1206% | 7,172 |
| Net loans and leases to total assets | 7.4627% | 8,026 |
| Net loans and leases to deposits | 10.1505% | 8,031 |
| Net loans and leases to core deposits | 10.1939% | 8,024 |
| Total domestic deposits to total assets | 73.5205% | 7,027 |
| Equity capital to assets | 26.2332% | 160 |
| Core capital (leverage) ratio | 26.2381% | 156 |
| Tier 1 risk-based capital ratio | 109.7968% | 56 |
| Total risk-based capital ratio | 110.2666% | 56 |
| Memoranda: | ||
| Average total assets | $240,593,000 | 2,728 |
| Average earning assets | $237,944,250 | 2,544 |
| Average equity | $68,872,000 | 965 |
| Average total loans | $16,850,750 | 7,430 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6229% | 8,137 |
| Cost of funding earning assets | 0.1155% | 8,145 |
| Net interest margin | 1.5073% | 8,017 |
| Noninterest income to average assets | 8.1189% | 86 |
| Noninterest expense to average assets | 5.3373% | 417 |
| Loan and lease loss provision to assets | 0.0097% | 7,110 |
| Net operating income to assets | 4.0547% | 35 |
| Return on assets (ROA) | 4.1077% | 36 |
| Pretax return on assets | 4.3175% | 45 |
| Return on Equity (ROE) | 13.8629% | 1,019 |
| Retained earnings to average equity (ytd only) | 13.8629% | 269 |
| Net charge-offs to loans | 0.6674% | 2,369 |
| Credit loss provision to net charge-offs | 21.5686% | 6,111 |
| Earnings coverage of net charge-offs (x) | 94.6078% | 403 |
| Efficiency ratio | 55.5463% | 7,161 |
| Assets per employee ($millions) | 8.0172% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7752% | 2,117 |
| Loan loss allowance to noncurrent loans | 791.4286% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 7,598 |
| Noncurrent loans to loans | 0.2243% | 6,947 |
| Net loans and leases to total assets | 6.1670% | 8,122 |
| Net loans and leases to deposits | 8.6216% | 8,125 |
| Net loans and leases to core deposits | 8.6529% | 8,119 |
| Total domestic deposits to total assets | 71.5293% | 7,305 |
| Equity capital to assets | 28.1399% | 158 |
| Core capital (leverage) ratio | 27.0918% | 173 |
| Tier 1 risk-based capital ratio | 101.4262% | 66 |
| Total risk-based capital ratio | 101.8361% | 66 |
| Memoranda: | ||
| Average total assets | $225,918,670 | 2,907 |
| Average earning assets | $223,310,000 | 2,706 |
| Average equity | $66,941,330 | 1,006 |
| Average total loans | $15,284,000 | 7,573 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5399% | 8,202 |
| Cost of funding earning assets | 0.1470% | 8,192 |
| Net interest margin | 1.3929% | 8,085 |
| Noninterest income to average assets | 9.3043% | 73 |
| Noninterest expense to average assets | 5.9139% | 297 |
| Loan and lease loss provision to assets | -0.0037% | 8,169 |
| Net operating income to assets | 4.5406% | 29 |
| Return on assets (ROA) | 4.6521% | 33 |
| Pretax return on assets | 4.8888% | 43 |
| Return on Equity (ROE) | 15.2559% | 929 |
| Retained earnings to average equity (ytd only) | 15.2559% | 388 |
| Net charge-offs to loans | 0.7405% | 1,705 |
| Credit loss provision to net charge-offs | -7.1429% | 6,136 |
| Earnings coverage of net charge-offs (x) | 91.3571% | 469 |
| Efficiency ratio | 55.3656% | 7,059 |
| Assets per employee ($millions) | 6.5755% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 1,652 |
| Loan loss allowance to noncurrent loans | 393.1507% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 7,523 |
| Noncurrent loans to loans | 0.4799% | 6,224 |
| Net loans and leases to total assets | 6.4847% | 8,171 |
| Net loans and leases to deposits | 9.2127% | 8,172 |
| Net loans and leases to core deposits | 9.2608% | 8,168 |
| Total domestic deposits to total assets | 70.3883% | 7,390 |
| Equity capital to assets | 29.2346% | 152 |
| Core capital (leverage) ratio | 32.1603% | 134 |
| Tier 1 risk-based capital ratio | 108.3251% | 66 |
| Total risk-based capital ratio | 108.7982% | 66 |
| Memoranda: | ||
| Average total assets | $214,611,500 | 3,058 |
| Average earning assets | $212,221,500 | 2,854 |
| Average equity | $65,443,500 | 1,039 |
| Average total loans | $15,124,000 | 7,627 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8890% | 8,182 |
| Cost of funding earning assets | 0.6862% | 8,156 |
| Net interest margin | 2.2028% | 7,959 |
| Noninterest income to average assets | 16.6051% | 54 |
| Noninterest expense to average assets | 7.5749% | 247 |
| Loan and lease loss provision to assets | -0.0750% | 8,245 |
| Net operating income to assets | 10.5475% | 20 |
| Return on assets (ROA) | 10.5475% | 21 |
| Pretax return on assets | 11.1863% | 24 |
| Return on Equity (ROE) | 31.6462% | 47 |
| Retained earnings to average equity (ytd only) | -9.4588% | 7,024 |
| Net charge-offs to loans | 0.2730% | 3,582 |
| Credit loss provision to net charge-offs | -529.6296% | 7,390 |
| Earnings coverage of net charge-offs (x) | 784.6667% | 67 |
| Efficiency ratio | 40.5372% | 8,119 |
| Assets per employee ($millions) | 6.2213% | 1,019 |
| Cash dividends to net income (ytd only)* | 129.8891% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1081% | 1,062 |
| Loan loss allowance to noncurrent loans | 519.6721% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 7,469 |
| Noncurrent loans to loans | 0.4057% | 6,130 |
| Net loans and leases to total assets | 7.3940% | 8,221 |
| Net loans and leases to deposits | 11.0576% | 8,225 |
| Net loans and leases to core deposits | 11.1277% | 8,222 |
| Total domestic deposits to total assets | 66.8678% | 7,587 |
| Equity capital to assets | 31.9498% | 150 |
| Core capital (leverage) ratio | 27.3253% | 220 |
| Tier 1 risk-based capital ratio | 165.9392% | 48 |
| Total risk-based capital ratio | 166.8116% | 47 |
| Memoranda: | ||
| Average total assets | $190,670,000 | 3,261 |
| Average earning assets | $180,130,400 | 3,186 |
| Average equity | $63,549,400 | 1,053 |
| Average total loans | $9,890,400 | 7,946 |