Home > Financial Federal Bank > Performance and Condition Ratios
Financial Federal 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 | 5.6273% | 1,005 |
| Cost of funding earning assets | 3.5466% | 68 |
| Net interest margin | 2.0807% | 4,385 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.6438% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5678% | 3,520 |
| Return on assets (ROA) | 0.5678% | 3,508 |
| Pretax return on assets | 0.6074% | 3,616 |
| Return on Equity (ROE) | 5.2100% | 3,690 |
| Retained earnings to average equity (ytd only) | 1.5908% | 3,680 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.0191% | 1,555 |
| Assets per employee ($millions) | 16.0463% | 171 |
| Cash dividends to net income (ytd only)* | 69.4587% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 3,866 |
| Loan loss allowance to noncurrent loans | 5,146.4516% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 3,644 |
| Noncurrent loans to loans | 0.0165% | 3,631 |
| Net loans and leases to total assets | 95.4400% | 4 |
| Net loans and leases to deposits | 126.1544% | 57 |
| Net loans and leases to core deposits | 156.8682% | 171 |
| Total domestic deposits to total assets | 75.6500% | 3,975 |
| Equity capital to assets | 10.2839% | 1,851 |
| Core capital (leverage) ratio | 10.4634% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $927,252,200 | 1,057 |
| Average earning assets | $912,235,600 | 985 |
| Average equity | $101,078,600 | 939 |
| Average total loans | $894,157,600 | 796 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5191% | 989 |
| Cost of funding earning assets | 3.3297% | 77 |
| Net interest margin | 2.1894% | 4,359 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 1.3889% | 4,405 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9210% | 2,611 |
| Return on assets (ROA) | 0.9210% | 2,597 |
| Pretax return on assets | 0.9851% | 2,900 |
| Return on Equity (ROE) | 8.3200% | 3,105 |
| Retained earnings to average equity (ytd only) | 4.5566% | 3,080 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.5038% | 3,143 |
| Assets per employee ($millions) | 15.3299% | 185 |
| Cash dividends to net income (ytd only)* | 45.2502% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 3,828 |
| Loan loss allowance to noncurrent loans | 113,957.1429% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,880 |
| Noncurrent loans to loans | 0.0008% | 3,832 |
| Net loans and leases to total assets | 95.8400% | 3 |
| Net loans and leases to deposits | 129.4918% | 43 |
| Net loans and leases to core deposits | 161.2141% | 103 |
| Total domestic deposits to total assets | 74.0200% | 4,159 |
| Equity capital to assets | 10.7855% | 1,440 |
| Core capital (leverage) ratio | 10.9776% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $914,359,000 | 1,072 |
| Average earning assets | $899,402,000 | 1,005 |
| Average equity | $101,183,000 | 934 |
| Average total loans | $882,151,500 | 806 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4048% | 949 |
| Cost of funding earning assets | 3.0741% | 76 |
| Net interest margin | 2.3307% | 4,345 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.4059% | 4,413 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0444% | 2,273 |
| Return on assets (ROA) | 1.0444% | 2,270 |
| Pretax return on assets | 1.1171% | 2,595 |
| Return on Equity (ROE) | 9.3500% | 2,872 |
| Retained earnings to average equity (ytd only) | 5.7137% | 2,723 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.7234% | 3,455 |
| Assets per employee ($millions) | 15.2860% | 186 |
| Cash dividends to net income (ytd only)* | 38.9219% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 3,778 |
| 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 | 95.5600% | 3 |
| Net loans and leases to deposits | 130.4835% | 51 |
| Net loans and leases to core deposits | 164.9407% | 91 |
| Total domestic deposits to total assets | 73.2400% | 4,238 |
| Equity capital to assets | 11.1138% | 1,342 |
| Core capital (leverage) ratio | 11.2917% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $902,327,000 | 1,081 |
| Average earning assets | $887,356,000 | 1,010 |
| Average equity | $100,740,333 | 933 |
| Average total loans | $869,892,000 | 799 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3297% | 800 |
| Cost of funding earning assets | 2.8542% | 48 |
| Net interest margin | 2.4755% | 4,328 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.4165% | 4,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1948% | 1,946 |
| Return on assets (ROA) | 1.1948% | 1,904 |
| Pretax return on assets | 1.2779% | 2,232 |
| Return on Equity (ROE) | 10.6800% | 2,583 |
| Retained earnings to average equity (ytd only) | 8.7234% | 2,018 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.5713% | 3,732 |
| Assets per employee ($millions) | 15.2202% | 197 |
| Cash dividends to net income (ytd only)* | 18.2941% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 3,799 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 95.6100% | 3 |
| Net loans and leases to deposits | 128.6137% | 49 |
| Net loans and leases to core deposits | 161.9016% | 85 |
| Total domestic deposits to total assets | 74.3400% | 4,265 |
| Equity capital to assets | 11.2737% | 1,237 |
| Core capital (leverage) ratio | 11.2210% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $894,911,500 | 1,103 |
| Average earning assets | $879,821,500 | 1,035 |
| Average equity | $100,145,000 | 946 |
| Average total loans | $862,619,500 | 819 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 850 |
| Cost of funding earning assets | 1.1389% | 89 |
| Net interest margin | 3.2786% | 2,625 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.8465% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6310% | 636 |
| Return on assets (ROA) | 1.6310% | 607 |
| Pretax return on assets | 1.7445% | 826 |
| Return on Equity (ROE) | 13.9900% | 1,531 |
| Retained earnings to average equity (ytd only) | 6.6325% | 2,397 |
| Net charge-offs to loans | 0.0006% | 2,579 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 2,907.6000% | 49 |
| Efficiency ratio | 51.4202% | 4,034 |
| Assets per employee ($millions) | 15.3764% | 188 |
| Cash dividends to net income (ytd only)* | 52.5898% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 3,198 |
| Loan loss allowance to noncurrent loans | 11,205.0633% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 3,812 |
| Noncurrent loans to loans | 0.0092% | 3,788 |
| Net loans and leases to total assets | 95.3000% | 3 |
| Net loans and leases to deposits | 131.2174% | 39 |
| Net loans and leases to core deposits | 163.2096% | 62 |
| Total domestic deposits to total assets | 72.6200% | 4,407 |
| Equity capital to assets | 11.1067% | 1,215 |
| Core capital (leverage) ratio | 11.3506% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $833,362,600 | 1,153 |
| Average earning assets | $820,198,200 | 1,084 |
| Average equity | $97,158,600 | 965 |
| Average total loans | $804,777,200 | 818 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 888 |
| Cost of funding earning assets | 0.7964% | 156 |
| Net interest margin | 3.4056% | 1,959 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.5327% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0533% | 265 |
| Return on assets (ROA) | 2.0533% | 269 |
| Pretax return on assets | 2.1962% | 323 |
| Return on Equity (ROE) | 17.3900% | 728 |
| Retained earnings to average equity (ytd only) | 10.4626% | 1,207 |
| Net charge-offs to loans | 0.0008% | 2,299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2,697.2000% | 43 |
| Efficiency ratio | 41.1040% | 4,548 |
| Assets per employee ($millions) | 14.4376% | 222 |
| Cash dividends to net income (ytd only)* | 39.8287% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 3,031 |
| Loan loss allowance to noncurrent loans | 11,065.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 3,891 |
| Noncurrent loans to loans | 0.0099% | 3,877 |
| Net loans and leases to total assets | 95.3700% | 2 |
| Net loans and leases to deposits | 128.2686% | 32 |
| Net loans and leases to core deposits | 152.6922% | 60 |
| Total domestic deposits to total assets | 74.3500% | 4,445 |
| Equity capital to assets | 11.9643% | 893 |
| Core capital (leverage) ratio | 11.9925% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8338% | 2,120 |
| Memoranda: | ||
| Average total assets | $818,744,750 | 1,173 |
| Average earning assets | $806,565,750 | 1,109 |
| Average equity | $96,685,000 | 978 |
| Average total loans | $791,287,750 | 825 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0146% | 914 |
| Cost of funding earning assets | 0.5782% | 327 |
| Net interest margin | 3.4364% | 1,493 |
| Noninterest income to average assets | 0.3867% | 2,834 |
| Noninterest expense to average assets | 1.5724% | 4,334 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0592% | 203 |
| Return on assets (ROA) | 2.0592% | 207 |
| Pretax return on assets | 2.2025% | 246 |
| Return on Equity (ROE) | 17.5172% | 520 |
| Retained earnings to average equity (ytd only) | 11.3445% | 729 |
| Net charge-offs to loans | 0.0013% | 2,092 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,789.6000% | 58 |
| Efficiency ratio | 41.6536% | 4,577 |
| Assets per employee ($millions) | 13.8781% | 239 |
| Cash dividends to net income (ytd only)* | 35.2379% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 3,114 |
| 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 | 96.0240% | 2 |
| Net loans and leases to deposits | 133.1066% | 22 |
| Net loans and leases to core deposits | 153.0549% | 45 |
| Total domestic deposits to total assets | 72.1406% | 4,580 |
| Equity capital to assets | 11.9699% | 887 |
| Core capital (leverage) ratio | 12.1013% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7373% | 2,185 |
| Memoranda: | ||
| Average total assets | $812,532,000 | 1,180 |
| Average earning assets | $801,118,333 | 1,122 |
| Average equity | $95,517,667 | 992 |
| Average total loans | $785,898,667 | 819 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 802 |
| Cost of funding earning assets | 0.5323% | 416 |
| Net interest margin | 3.4444% | 1,197 |
| Noninterest income to average assets | 0.4161% | 2,587 |
| Noninterest expense to average assets | 1.5864% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.0840% | 193 |
| Return on assets (ROA) | 2.0840% | 192 |
| Pretax return on assets | 2.2293% | 248 |
| Return on Equity (ROE) | 17.8930% | 351 |
| Retained earnings to average equity (ytd only) | 14.3628% | 344 |
| Net charge-offs to loans | 0.0026% | 1,712 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 902.2000% | 100 |
| Efficiency ratio | 41.5749% | 4,611 |
| Assets per employee ($millions) | 13.8809% | 249 |
| Cash dividends to net income (ytd only)* | 19.7297% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 3,214 |
| 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 | 94.9031% | 2 |
| Net loans and leases to deposits | 120.4044% | 34 |
| Net loans and leases to core deposits | 139.4424% | 63 |
| Total domestic deposits to total assets | 78.8203% | 4,357 |
| Equity capital to assets | 11.7181% | 1,052 |
| Core capital (leverage) ratio | 11.8281% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $809,395,500 | 1,183 |
| Average earning assets | $798,872,000 | 1,127 |
| Average equity | $94,271,500 | 1,037 |
| Average total loans | $781,297,500 | 811 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 1,273 |
| Cost of funding earning assets | 0.7284% | 284 |
| Net interest margin | 3.3089% | 2,296 |
| Noninterest income to average assets | 0.6649% | 1,886 |
| Noninterest expense to average assets | 2.0311% | 3,580 |
| Loan and lease loss provision to assets | 0.0515% | 2,028 |
| Net operating income to assets | 1.7235% | 599 |
| Return on assets (ROA) | 1.7235% | 623 |
| Pretax return on assets | 1.8434% | 830 |
| Return on Equity (ROE) | 14.8274% | 990 |
| Retained earnings to average equity (ytd only) | 7.0604% | 1,900 |
| Net charge-offs to loans | 0.0130% | 2,078 |
| Credit loss provision to net charge-offs | 408.1633% | 900 |
| Earnings coverage of net charge-offs (x) | 150.2245% | 659 |
| Efficiency ratio | 51.7343% | 4,139 |
| Assets per employee ($millions) | 14.0319% | 241 |
| Cash dividends to net income (ytd only)* | 52.3824% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 3,169 |
| 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 | 95.9787% | 2 |
| Net loans and leases to deposits | 121.4419% | 36 |
| Net loans and leases to core deposits | 135.5316% | 78 |
| Total domestic deposits to total assets | 79.0326% | 4,315 |
| Equity capital to assets | 11.5745% | 1,469 |
| Core capital (leverage) ratio | 11.5750% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $776,922,200 | 1,187 |
| Average earning assets | $765,695,400 | 1,136 |
| Average equity | $90,306,000 | 1,098 |
| Average total loans | $751,933,200 | 830 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0188% | 1,494 |
| Cost of funding earning assets | 0.7729% | 276 |
| Net interest margin | 3.2459% | 2,593 |
| Noninterest income to average assets | 0.7118% | 1,787 |
| Noninterest expense to average assets | 1.6893% | 4,341 |
| Loan and lease loss provision to assets | 0.0691% | 1,624 |
| Net operating income to assets | 2.0103% | 448 |
| Return on assets (ROA) | 2.0103% | 474 |
| Pretax return on assets | 2.1502% | 609 |
| Return on Equity (ROE) | 17.2764% | 726 |
| Retained earnings to average equity (ytd only) | 9.9635% | 1,323 |
| Net charge-offs to loans | 0.0300% | 1,450 |
| Credit loss provision to net charge-offs | 238.0952% | 1,126 |
| Earnings coverage of net charge-offs (x) | 76.4107% | 1,007 |
| Efficiency ratio | 43.2192% | 4,615 |
| Assets per employee ($millions) | 13.2023% | 290 |
| Cash dividends to net income (ytd only)* | 42.3289% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 3,248 |
| 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 | 96.0673% | 3 |
| Net loans and leases to deposits | 120.3490% | 39 |
| Net loans and leases to core deposits | 132.9921% | 105 |
| Total domestic deposits to total assets | 79.8239% | 4,253 |
| Equity capital to assets | 11.7273% | 1,530 |
| Core capital (leverage) ratio | 12.1006% | 1,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $771,198,250 | 1,208 |
| Average earning assets | $759,535,750 | 1,148 |
| Average equity | $89,738,750 | 1,117 |
| Average total loans | $745,788,500 | 854 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 1,445 |
| Cost of funding earning assets | 0.8298% | 254 |
| Net interest margin | 3.2230% | 2,689 |
| Noninterest income to average assets | 0.7854% | 1,575 |
| Noninterest expense to average assets | 1.7165% | 4,339 |
| Loan and lease loss provision to assets | 0.1047% | 1,200 |
| Net operating income to assets | 1.9965% | 488 |
| Return on assets (ROA) | 1.9965% | 512 |
| Pretax return on assets | 2.1355% | 646 |
| Return on Equity (ROE) | 17.2045% | 751 |
| Retained earnings to average equity (ytd only) | 10.3488% | 1,302 |
| Net charge-offs to loans | 0.0472% | 1,160 |
| Credit loss provision to net charge-offs | 229.8851% | 992 |
| Earnings coverage of net charge-offs (x) | 49.1954% | 1,076 |
| Efficiency ratio | 43.3825% | 4,648 |
| Assets per employee ($millions) | 12.5196% | 313 |
| Cash dividends to net income (ytd only)* | 39.8479% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 2,874 |
| Loan loss allowance to noncurrent loans | 4,597.3822% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 4,093 |
| Noncurrent loans to loans | 0.0263% | 4,086 |
| Net loans and leases to total assets | 95.4555% | 2 |
| Net loans and leases to deposits | 110.3198% | 110 |
| Net loans and leases to core deposits | 121.2142% | 206 |
| Total domestic deposits to total assets | 86.5262% | 2,540 |
| Equity capital to assets | 12.0838% | 1,323 |
| Core capital (leverage) ratio | 11.9311% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $764,218,667 | 1,208 |
| Average earning assets | $751,977,667 | 1,150 |
| Average equity | $88,686,333 | 1,121 |
| Average total loans | $737,794,000 | 861 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0456% | 1,521 |
| Cost of funding earning assets | 0.8812% | 245 |
| Net interest margin | 3.1643% | 2,801 |
| Noninterest income to average assets | 0.9783% | 1,168 |
| Noninterest expense to average assets | 1.7386% | 4,306 |
| Loan and lease loss provision to assets | 0.1557% | 825 |
| Net operating income to assets | 2.0515% | 532 |
| Return on assets (ROA) | 2.0515% | 571 |
| Pretax return on assets | 2.1943% | 698 |
| Return on Equity (ROE) | 18.0412% | 724 |
| Retained earnings to average equity (ytd only) | 13.4590% | 824 |
| Net charge-offs to loans | 0.0968% | 700 |
| Credit loss provision to net charge-offs | 166.6667% | 949 |
| Earnings coverage of net charge-offs (x) | 25.1556% | 1,161 |
| Efficiency ratio | 42.5235% | 4,651 |
| Assets per employee ($millions) | 12.9054% | 285 |
| Cash dividends to net income (ytd only)* | 25.3984% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 3,170 |
| 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 | 95.8459% | 2 |
| Net loans and leases to deposits | 117.4921% | 84 |
| Net loans and leases to core deposits | 129.6750% | 144 |
| Total domestic deposits to total assets | 81.5765% | 3,974 |
| Equity capital to assets | 11.5098% | 1,538 |
| Core capital (leverage) ratio | 11.6147% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $770,739,500 | 1,184 |
| Average earning assets | $757,566,000 | 1,129 |
| Average equity | $87,644,000 | 1,122 |
| Average total loans | $743,780,500 | 855 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3463% | 1,732 |
| Cost of funding earning assets | 1.3424% | 154 |
| Net interest margin | 3.0038% | 3,873 |
| Noninterest income to average assets | 1.0983% | 885 |
| Noninterest expense to average assets | 2.1186% | 3,894 |
| Loan and lease loss provision to assets | 0.2276% | 1,714 |
| Net operating income to assets | 1.5870% | 664 |
| Return on assets (ROA) | 1.5870% | 717 |
| Pretax return on assets | 1.6975% | 856 |
| Return on Equity (ROE) | 13.3269% | 958 |
| Retained earnings to average equity (ytd only) | 7.0475% | 1,382 |
| Net charge-offs to loans | 0.0021% | 3,330 |
| Credit loss provision to net charge-offs | 11,428.5714% | 90 |
| Earnings coverage of net charge-offs (x) | 966.7143% | 121 |
| Efficiency ratio | 52.3920% | 4,358 |
| Assets per employee ($millions) | 13.0026% | 265 |
| Cash dividends to net income (ytd only)* | 47.1184% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 3,153 |
| Loan loss allowance to noncurrent loans | 4,342.6396% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 4,249 |
| Noncurrent loans to loans | 0.0267% | 4,213 |
| Net loans and leases to total assets | 94.9186% | 4 |
| Net loans and leases to deposits | 119.0604% | 80 |
| Net loans and leases to core deposits | 134.7883% | 161 |
| Total domestic deposits to total assets | 79.7231% | 4,090 |
| Equity capital to assets | 11.2318% | 2,072 |
| Core capital (leverage) ratio | 11.5385% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $703,013,200 | 1,178 |
| Average earning assets | $689,350,200 | 1,118 |
| Average equity | $83,718,000 | 1,112 |
| Average total loans | $672,966,800 | 896 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3933% | 1,860 |
| Cost of funding earning assets | 1.4534% | 143 |
| Net interest margin | 2.9399% | 4,110 |
| Noninterest income to average assets | 1.0477% | 949 |
| Noninterest expense to average assets | 1.8578% | 4,400 |
| Loan and lease loss provision to assets | 0.1747% | 2,236 |
| Net operating income to assets | 1.7737% | 481 |
| Return on assets (ROA) | 1.7737% | 535 |
| Pretax return on assets | 1.8971% | 635 |
| Return on Equity (ROE) | 14.6620% | 750 |
| Retained earnings to average equity (ytd only) | 8.9105% | 1,005 |
| Net charge-offs to loans | 0.0024% | 3,096 |
| Credit loss provision to net charge-offs | 7,500.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 889.5833% | 131 |
| Efficiency ratio | 47.2761% | 4,648 |
| Assets per employee ($millions) | 12.6499% | 286 |
| Cash dividends to net income (ytd only)* | 39.2275% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 3,142 |
| Loan loss allowance to noncurrent loans | 430.5205% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 3,191 |
| Noncurrent loans to loans | 0.2584% | 3,376 |
| Net loans and leases to total assets | 95.1845% | 2 |
| Net loans and leases to deposits | 124.3593% | 81 |
| Net loans and leases to core deposits | 143.7069% | 145 |
| Total domestic deposits to total assets | 76.5399% | 4,380 |
| Equity capital to assets | 11.6956% | 1,881 |
| Core capital (leverage) ratio | 11.9462% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $686,978,250 | 1,175 |
| Average earning assets | $673,431,500 | 1,122 |
| Average equity | $83,106,250 | 1,111 |
| Average total loans | $657,027,000 | 911 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 1,934 |
| Cost of funding earning assets | 1.5766% | 126 |
| Net interest margin | 2.9174% | 4,281 |
| Noninterest income to average assets | 1.0319% | 926 |
| Noninterest expense to average assets | 1.9112% | 4,396 |
| Loan and lease loss provision to assets | 0.1340% | 2,670 |
| Net operating income to assets | 1.7277% | 592 |
| Return on assets (ROA) | 1.7277% | 644 |
| Pretax return on assets | 1.8481% | 743 |
| Return on Equity (ROE) | 14.1111% | 862 |
| Retained earnings to average equity (ytd only) | 8.8778% | 1,039 |
| Net charge-offs to loans | 0.0047% | 2,808 |
| Credit loss provision to net charge-offs | 3,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 443.6000% | 224 |
| Efficiency ratio | 49.0895% | 4,556 |
| Assets per employee ($millions) | 12.3612% | 296 |
| Cash dividends to net income (ytd only)* | 37.0862% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 3,046 |
| Loan loss allowance to noncurrent loans | 3,758.3756% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 4,409 |
| Noncurrent loans to loans | 0.0293% | 4,366 |
| Net loans and leases to total assets | 94.3119% | 5 |
| Net loans and leases to deposits | 126.2079% | 61 |
| Net loans and leases to core deposits | 148.6074% | 112 |
| Total domestic deposits to total assets | 74.7274% | 4,541 |
| Equity capital to assets | 11.9072% | 1,723 |
| Core capital (leverage) ratio | 12.2970% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $671,407,000 | 1,186 |
| Average earning assets | $658,520,333 | 1,127 |
| Average equity | $82,205,000 | 1,111 |
| Average total loans | $640,630,000 | 912 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 1,609 |
| Cost of funding earning assets | 1.7471% | 106 |
| Net interest margin | 2.9855% | 4,305 |
| Noninterest income to average assets | 0.8002% | 1,316 |
| Noninterest expense to average assets | 1.8246% | 4,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7874% | 422 |
| Return on assets (ROA) | 1.7874% | 467 |
| Pretax return on assets | 1.9120% | 557 |
| Return on Equity (ROE) | 14.3856% | 630 |
| Retained earnings to average equity (ytd only) | 11.0473% | 559 |
| Net charge-offs to loans | -0.0045% | 3,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8311% | 4,718 |
| Assets per employee ($millions) | 11.5359% | 264 |
| Cash dividends to net income (ytd only)* | 23.2057% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 3,097 |
| Loan loss allowance to noncurrent loans | 797.2571% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 3,974 |
| Noncurrent loans to loans | 0.1402% | 3,965 |
| Net loans and leases to total assets | 93.8377% | 8 |
| Net loans and leases to deposits | 120.5678% | 73 |
| Net loans and leases to core deposits | 142.4014% | 153 |
| Total domestic deposits to total assets | 77.8298% | 4,245 |
| Equity capital to assets | 12.5447% | 1,703 |
| Core capital (leverage) ratio | 12.7654% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $654,816,500 | 1,183 |
| Average earning assets | $644,040,500 | 1,120 |
| Average equity | $81,359,000 | 1,119 |
| Average total loans | $624,988,000 | 909 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 1,742 |
| Cost of funding earning assets | 2.0139% | 54 |
| Net interest margin | 2.8884% | 4,668 |
| Noninterest income to average assets | 0.5178% | 2,637 |
| Noninterest expense to average assets | 1.8945% | 4,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3723% | 1,441 |
| Return on assets (ROA) | 1.3723% | 1,516 |
| Pretax return on assets | 1.4680% | 1,908 |
| Return on Equity (ROE) | 10.8113% | 1,961 |
| Retained earnings to average equity (ytd only) | 5.3738% | 2,238 |
| Net charge-offs to loans | -0.0091% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3416% | 4,168 |
| Assets per employee ($millions) | 11.4402% | 263 |
| Cash dividends to net income (ytd only)* | 50.2944% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 2,869 |
| Loan loss allowance to noncurrent loans | 302.2116% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 2,987 |
| Noncurrent loans to loans | 0.3684% | 3,127 |
| Net loans and leases to total assets | 94.9268% | 5 |
| Net loans and leases to deposits | 129.9651% | 43 |
| Net loans and leases to core deposits | 156.1595% | 91 |
| Total domestic deposits to total assets | 73.0402% | 4,826 |
| Equity capital to assets | 12.3037% | 1,951 |
| Core capital (leverage) ratio | 12.5358% | 1,470 |
| Tier 1 risk-based capital ratio | 13.4573% | 3,546 |
| Total risk-based capital ratio | 14.6263% | 3,479 |
| Memoranda: | ||
| Average total assets | $618,797,000 | 1,195 |
| Average earning assets | $609,429,600 | 1,128 |
| Average equity | $78,547,600 | 1,110 |
| Average total loans | $594,848,600 | 915 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 1,731 |
| Cost of funding earning assets | 2.0345% | 60 |
| Net interest margin | 2.8946% | 4,763 |
| Noninterest income to average assets | 0.5488% | 2,467 |
| Noninterest expense to average assets | 1.7315% | 4,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5603% | 1,028 |
| Return on assets (ROA) | 1.5603% | 1,083 |
| Pretax return on assets | 1.6690% | 1,421 |
| Return on Equity (ROE) | 12.1919% | 1,550 |
| Retained earnings to average equity (ytd only) | 7.0124% | 1,857 |
| Net charge-offs to loans | -0.0114% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9184% | 4,680 |
| Assets per employee ($millions) | 11.3194% | 251 |
| Cash dividends to net income (ytd only)* | 42.4832% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 2,804 |
| Loan loss allowance to noncurrent loans | 1,670.2638% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 4,383 |
| Noncurrent loans to loans | 0.0685% | 4,330 |
| Net loans and leases to total assets | 94.9999% | 3 |
| Net loans and leases to deposits | 125.2800% | 64 |
| Net loans and leases to core deposits | 151.7441% | 119 |
| Total domestic deposits to total assets | 75.8301% | 4,666 |
| Equity capital to assets | 12.6379% | 1,819 |
| Core capital (leverage) ratio | 12.8031% | 1,434 |
| Tier 1 risk-based capital ratio | 13.8528% | 3,399 |
| Total risk-based capital ratio | 15.0572% | 3,334 |
| Memoranda: | ||
| Average total assets | $610,474,000 | 1,209 |
| Average earning assets | $601,416,750 | 1,139 |
| Average equity | $78,126,750 | 1,109 |
| Average total loans | $587,066,750 | 924 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9045% | 1,737 |
| Cost of funding earning assets | 2.0121% | 56 |
| Net interest margin | 2.8925% | 4,829 |
| Noninterest income to average assets | 0.5373% | 2,458 |
| Noninterest expense to average assets | 1.7306% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5484% | 1,016 |
| Return on assets (ROA) | 1.5484% | 1,059 |
| Pretax return on assets | 1.6566% | 1,375 |
| Return on Equity (ROE) | 12.0466% | 1,561 |
| Retained earnings to average equity (ytd only) | 7.2187% | 1,718 |
| Net charge-offs to loans | -0.0028% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0924% | 4,719 |
| Assets per employee ($millions) | 10.8266% | 271 |
| Cash dividends to net income (ytd only)* | 40.0772% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,709 |
| Loan loss allowance to noncurrent loans | 3,250.2347% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 4,597 |
| Noncurrent loans to loans | 0.0358% | 4,532 |
| Net loans and leases to total assets | 95.2968% | 3 |
| Net loans and leases to deposits | 125.9260% | 55 |
| Net loans and leases to core deposits | 154.7103% | 110 |
| Total domestic deposits to total assets | 75.6768% | 4,705 |
| Equity capital to assets | 12.7673% | 1,709 |
| Core capital (leverage) ratio | 12.8317% | 1,387 |
| Tier 1 risk-based capital ratio | 14.1021% | 3,262 |
| Total risk-based capital ratio | 15.3412% | 3,191 |
| Memoranda: | ||
| Average total assets | $602,669,670 | 1,221 |
| Average earning assets | $593,819,670 | 1,150 |
| Average equity | $77,465,670 | 1,112 |
| Average total loans | $579,703,330 | 936 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8599% | 1,731 |
| Cost of funding earning assets | 1.9608% | 63 |
| Net interest margin | 2.8992% | 4,877 |
| Noninterest income to average assets | 0.5435% | 2,322 |
| Noninterest expense to average assets | 1.7184% | 5,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5713% | 959 |
| Return on assets (ROA) | 1.5713% | 987 |
| Pretax return on assets | 1.6808% | 1,257 |
| Return on Equity (ROE) | 12.1817% | 1,470 |
| Retained earnings to average equity (ytd only) | 8.5829% | 1,456 |
| Net charge-offs to loans | -0.0028% | 3,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5534% | 4,786 |
| Assets per employee ($millions) | 10.5871% | 289 |
| Cash dividends to net income (ytd only)* | 29.5425% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 2,626 |
| Loan loss allowance to noncurrent loans | 3,294.7619% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 4,663 |
| Noncurrent loans to loans | 0.0362% | 4,610 |
| Net loans and leases to total assets | 95.0718% | 4 |
| Net loans and leases to deposits | 124.9967% | 60 |
| Net loans and leases to core deposits | 162.4165% | 81 |
| Total domestic deposits to total assets | 76.0594% | 4,753 |
| Equity capital to assets | 12.8644% | 1,534 |
| Core capital (leverage) ratio | 13.0551% | 1,246 |
| Tier 1 risk-based capital ratio | 14.2720% | 3,207 |
| Total risk-based capital ratio | 15.5223% | 3,135 |
| Memoranda: | ||
| Average total assets | $595,447,000 | 1,237 |
| Average earning assets | $586,510,000 | 1,174 |
| Average equity | $76,804,000 | 1,114 |
| Average total loans | $572,048,000 | 951 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 1,935 |
| Cost of funding earning assets | 1.4893% | 91 |
| Net interest margin | 3.1772% | 4,525 |
| Noninterest income to average assets | 0.5462% | 2,574 |
| Noninterest expense to average assets | 1.9263% | 4,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6542% | 766 |
| Return on assets (ROA) | 1.6542% | 763 |
| Pretax return on assets | 1.7409% | 1,068 |
| Return on Equity (ROE) | 12.4572% | 1,560 |
| Retained earnings to average equity (ytd only) | 6.7154% | 1,805 |
| Net charge-offs to loans | -0.0054% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5270% | 4,754 |
| Assets per employee ($millions) | 10.4898% | 295 |
| Cash dividends to net income (ytd only)* | 46.0922% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 2,424 |
| Loan loss allowance to noncurrent loans | 3,246.4789% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 4,663 |
| Noncurrent loans to loans | 0.0378% | 4,592 |
| Net loans and leases to total assets | 94.7412% | 3 |
| Net loans and leases to deposits | 125.4388% | 61 |
| Net loans and leases to core deposits | 160.6858% | 88 |
| Total domestic deposits to total assets | 75.5278% | 4,808 |
| Equity capital to assets | 12.9444% | 1,373 |
| Core capital (leverage) ratio | 13.1549% | 1,190 |
| Tier 1 risk-based capital ratio | 14.4311% | 3,097 |
| Total risk-based capital ratio | 15.6818% | 3,011 |
| Memoranda: | ||
| Average total assets | $558,441,800 | 1,271 |
| Average earning assets | $548,567,400 | 1,219 |
| Average equity | $74,158,200 | 1,103 |
| Average total loans | $534,816,400 | 973 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 1,962 |
| Cost of funding earning assets | 1.3756% | 109 |
| Net interest margin | 3.2299% | 4,453 |
| Noninterest income to average assets | 0.5423% | 2,607 |
| Noninterest expense to average assets | 1.7249% | 5,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8865% | 503 |
| Return on assets (ROA) | 1.8865% | 504 |
| Pretax return on assets | 1.9888% | 636 |
| Return on Equity (ROE) | 14.1114% | 1,091 |
| Retained earnings to average equity (ytd only) | 8.6760% | 1,354 |
| Net charge-offs to loans | -0.0058% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4469% | 5,127 |
| Assets per employee ($millions) | 10.1795% | 307 |
| Cash dividends to net income (ytd only)* | 38.5177% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,295 |
| Loan loss allowance to noncurrent loans | 3,183.8710% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 4,792 |
| Noncurrent loans to loans | 0.0397% | 4,720 |
| Net loans and leases to total assets | 94.7348% | 6 |
| Net loans and leases to deposits | 129.5613% | 47 |
| Net loans and leases to core deposits | 168.5606% | 71 |
| Total domestic deposits to total assets | 73.1197% | 5,051 |
| Equity capital to assets | 13.3050% | 1,209 |
| Core capital (leverage) ratio | 13.3212% | 1,168 |
| Tier 1 risk-based capital ratio | 14.8102% | 2,964 |
| Total risk-based capital ratio | 16.0614% | 2,886 |
| Memoranda: | ||
| Average total assets | $551,195,000 | 1,289 |
| Average earning assets | $541,227,250 | 1,236 |
| Average equity | $73,688,000 | 1,107 |
| Average total loans | $527,657,500 | 991 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5155% | 2,044 |
| Cost of funding earning assets | 1.2408% | 155 |
| Net interest margin | 3.2746% | 4,322 |
| Noninterest income to average assets | 0.5520% | 2,567 |
| Noninterest expense to average assets | 1.7243% | 5,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9343% | 430 |
| Return on assets (ROA) | 1.9343% | 431 |
| Pretax return on assets | 2.0396% | 556 |
| Return on Equity (ROE) | 14.4445% | 971 |
| Retained earnings to average equity (ytd only) | 9.8124% | 983 |
| Net charge-offs to loans | -0.0061% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8118% | 5,220 |
| Assets per employee ($millions) | 9.9789% | 317 |
| Cash dividends to net income (ytd only)* | 32.0683% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 2,231 |
| Loan loss allowance to noncurrent loans | 3,137.2727% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 4,303 |
| Noncurrent loans to loans | 0.0410% | 4,733 |
| Net loans and leases to total assets | 94.6976% | 5 |
| Net loans and leases to deposits | 139.1246% | 19 |
| Net loans and leases to core deposits | 179.3800% | 48 |
| Total domestic deposits to total assets | 68.0667% | 5,335 |
| Equity capital to assets | 13.3541% | 1,163 |
| Core capital (leverage) ratio | 13.5722% | 1,045 |
| Tier 1 risk-based capital ratio | 14.8677% | 2,935 |
| Total risk-based capital ratio | 16.1192% | 2,858 |
| Memoranda: | ||
| Average total assets | $544,910,000 | 1,300 |
| Average earning assets | $534,475,670 | 1,251 |
| Average equity | $72,969,000 | 1,116 |
| Average total loans | $521,228,330 | 1,002 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4397% | 2,055 |
| Cost of funding earning assets | 1.1498% | 177 |
| Net interest margin | 3.2899% | 4,219 |
| Noninterest income to average assets | 0.5086% | 2,755 |
| Noninterest expense to average assets | 1.6894% | 5,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9370% | 423 |
| Return on assets (ROA) | 1.9370% | 423 |
| Pretax return on assets | 2.0425% | 526 |
| Return on Equity (ROE) | 14.4439% | 916 |
| Retained earnings to average equity (ytd only) | 12.2482% | 641 |
| Net charge-offs to loans | -0.0047% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2680% | 5,305 |
| Assets per employee ($millions) | 9.6552% | 360 |
| Cash dividends to net income (ytd only)* | 15.2015% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,094 |
| Loan loss allowance to noncurrent loans | 1,454.0084% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 4,139 |
| Noncurrent loans to loans | 0.0916% | 4,565 |
| Net loans and leases to total assets | 94.4541% | 4 |
| Net loans and leases to deposits | 133.7065% | 30 |
| Net loans and leases to core deposits | 167.3918% | 68 |
| Total domestic deposits to total assets | 70.6429% | 5,348 |
| Equity capital to assets | 13.5471% | 1,030 |
| Core capital (leverage) ratio | 13.6358% | 966 |
| Tier 1 risk-based capital ratio | 14.9986% | 2,865 |
| Total risk-based capital ratio | 16.2506% | 2,791 |
| Memoranda: | ||
| Average total assets | $537,956,000 | 1,330 |
| Average earning assets | $527,067,000 | 1,272 |
| Average equity | $72,141,000 | 1,134 |
| Average total loans | $513,798,000 | 1,024 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2988% | 2,335 |
| Cost of funding earning assets | 0.9652% | 261 |
| Net interest margin | 3.3336% | 4,059 |
| Noninterest income to average assets | 0.6170% | 2,371 |
| Noninterest expense to average assets | 2.1272% | 4,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.6458% | 592 |
| Return on assets (ROA) | 1.6458% | 610 |
| Pretax return on assets | 1.7606% | 876 |
| Return on Equity (ROE) | 11.9064% | 1,234 |
| Retained earnings to average equity (ytd only) | 4.5857% | 2,401 |
| Net charge-offs to loans | 0.0097% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 190.3404% | 413 |
| Efficiency ratio | 54.7153% | 4,884 |
| Assets per employee ($millions) | 9.2280% | 414 |
| Cash dividends to net income (ytd only)* | 61.4851% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 1,967 |
| Loan loss allowance to noncurrent loans | 1,171.0884% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 4,073 |
| Noncurrent loans to loans | 0.1153% | 4,470 |
| Net loans and leases to total assets | 94.0010% | 10 |
| Net loans and leases to deposits | 133.9630% | 34 |
| Net loans and leases to core deposits | 164.0823% | 76 |
| Total domestic deposits to total assets | 70.1694% | 5,403 |
| Equity capital to assets | 13.2719% | 1,141 |
| Core capital (leverage) ratio | 13.7734% | 896 |
| Tier 1 risk-based capital ratio | 14.7834% | 2,942 |
| Total risk-based capital ratio | 16.0357% | 2,878 |
| Memoranda: | ||
| Average total assets | $508,132,600 | 1,378 |
| Average earning assets | $498,557,200 | 1,308 |
| Average equity | $70,239,600 | 1,132 |
| Average total loans | $485,808,200 | 1,058 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 2,327 |
| Cost of funding earning assets | 0.9330% | 288 |
| Net interest margin | 3.3446% | 4,032 |
| Noninterest income to average assets | 0.6263% | 2,334 |
| Noninterest expense to average assets | 1.8980% | 5,135 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8804% | 404 |
| Return on assets (ROA) | 1.8804% | 410 |
| Pretax return on assets | 2.0115% | 533 |
| Return on Equity (ROE) | 13.4603% | 945 |
| Retained earnings to average equity (ytd only) | 7.8752% | 1,269 |
| Net charge-offs to loans | -0.0067% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5477% | 5,317 |
| Assets per employee ($millions) | 9.1521% | 413 |
| Cash dividends to net income (ytd only)* | 41.4934% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 1,802 |
| Loan loss allowance to noncurrent loans | 1,377.6238% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 4,260 |
| Noncurrent loans to loans | 0.1032% | 4,646 |
| Net loans and leases to total assets | 94.0987% | 6 |
| Net loans and leases to deposits | 136.8445% | 22 |
| Net loans and leases to core deposits | 168.4091% | 71 |
| Total domestic deposits to total assets | 68.7632% | 5,514 |
| Equity capital to assets | 14.0385% | 984 |
| Core capital (leverage) ratio | 14.2122% | 836 |
| Tier 1 risk-based capital ratio | 15.8052% | 2,583 |
| Total risk-based capital ratio | 17.0587% | 2,520 |
| Memoranda: | ||
| Average total assets | $501,360,250 | 1,407 |
| Average earning assets | $492,156,750 | 1,332 |
| Average equity | $70,041,000 | 1,144 |
| Average total loans | $479,760,250 | 1,076 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 2,389 |
| Cost of funding earning assets | 0.8849% | 336 |
| Net interest margin | 3.3375% | 3,990 |
| Noninterest income to average assets | 0.6065% | 2,427 |
| Noninterest expense to average assets | 1.8403% | 5,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9102% | 363 |
| Return on assets (ROA) | 1.9102% | 373 |
| Pretax return on assets | 2.0432% | 496 |
| Return on Equity (ROE) | 13.6965% | 871 |
| Retained earnings to average equity (ytd only) | 8.8409% | 885 |
| Net charge-offs to loans | -0.0067% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3869% | 5,419 |
| Assets per employee ($millions) | 9.1679% | 398 |
| Cash dividends to net income (ytd only)* | 35.4513% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 1,879 |
| Loan loss allowance to noncurrent loans | 528.4411% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 4,101 |
| Noncurrent loans to loans | 0.2681% | 4,079 |
| Net loans and leases to total assets | 94.1866% | 9 |
| Net loans and leases to deposits | 136.9135% | 30 |
| Net loans and leases to core deposits | 173.7186% | 64 |
| Total domestic deposits to total assets | 68.7928% | 5,577 |
| Equity capital to assets | 13.8061% | 1,035 |
| Core capital (leverage) ratio | 14.0329% | 854 |
| Tier 1 risk-based capital ratio | 15.4172% | 2,736 |
| Total risk-based capital ratio | 16.6705% | 2,675 |
| Memoranda: | ||
| Average total assets | $497,641,000 | 1,418 |
| Average earning assets | $488,635,670 | 1,347 |
| Average equity | $69,404,670 | 1,151 |
| Average total loans | $476,603,670 | 1,084 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 2,445 |
| Cost of funding earning assets | 0.8298% | 412 |
| Net interest margin | 3.3268% | 3,924 |
| Noninterest income to average assets | 0.5072% | 2,929 |
| Noninterest expense to average assets | 1.8082% | 5,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8417% | 417 |
| Return on assets (ROA) | 1.8417% | 430 |
| Pretax return on assets | 1.9699% | 537 |
| Return on Equity (ROE) | 13.1360% | 971 |
| Retained earnings to average equity (ytd only) | 9.9437% | 818 |
| Net charge-offs to loans | -0.0077% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8599% | 5,474 |
| Assets per employee ($millions) | 9.1379% | 401 |
| Cash dividends to net income (ytd only)* | 24.3016% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 1,802 |
| Loan loss allowance to noncurrent loans | 816.7059% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 4,555 |
| Noncurrent loans to loans | 0.1799% | 4,482 |
| Net loans and leases to total assets | 94.3477% | 6 |
| Net loans and leases to deposits | 134.1408% | 28 |
| Net loans and leases to core deposits | 162.6553% | 77 |
| Total domestic deposits to total assets | 70.3349% | 5,618 |
| Equity capital to assets | 14.0886% | 876 |
| Core capital (leverage) ratio | 14.3217% | 757 |
| Tier 1 risk-based capital ratio | 15.7156% | 2,656 |
| Total risk-based capital ratio | 16.9695% | 2,600 |
| Memoranda: | ||
| Average total assets | $489,759,500 | 1,449 |
| Average earning assets | $481,541,500 | 1,368 |
| Average equity | $68,666,500 | 1,156 |
| Average total loans | $469,652,000 | 1,092 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2370% | 2,360 |
| Cost of funding earning assets | 0.7292% | 704 |
| Net interest margin | 3.5079% | 3,394 |
| Noninterest income to average assets | 1.0763% | 974 |
| Noninterest expense to average assets | 2.3400% | 4,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.0339% | 296 |
| Return on assets (ROA) | 2.0339% | 305 |
| Pretax return on assets | 2.1757% | 346 |
| Return on Equity (ROE) | 14.4094% | 713 |
| Retained earnings to average equity (ytd only) | 7.0019% | 1,228 |
| Net charge-offs to loans | -0.0103% | 4,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7998% | 5,397 |
| Assets per employee ($millions) | 9.1712% | 407 |
| Cash dividends to net income (ytd only)* | 51.4073% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 1,729 |
| Loan loss allowance to noncurrent loans | 812.7784% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 4,616 |
| Noncurrent loans to loans | 0.1827% | 4,505 |
| Net loans and leases to total assets | 94.6100% | 9 |
| Net loans and leases to deposits | 131.7356% | 37 |
| Net loans and leases to core deposits | 161.4402% | 81 |
| Total domestic deposits to total assets | 71.8181% | 5,573 |
| Equity capital to assets | 13.9513% | 905 |
| Core capital (leverage) ratio | 14.1200% | 794 |
| Tier 1 risk-based capital ratio | 15.6281% | 2,696 |
| Total risk-based capital ratio | 16.8825% | 2,623 |
| Memoranda: | ||
| Average total assets | $468,166,800 | 1,458 |
| Average earning assets | $459,027,600 | 1,389 |
| Average equity | $66,082,000 | 1,185 |
| Average total loans | $446,856,600 | 1,096 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2517% | 2,331 |
| Cost of funding earning assets | 0.7141% | 758 |
| Net interest margin | 3.5376% | 3,329 |
| Noninterest income to average assets | 1.2554% | 736 |
| Noninterest expense to average assets | 2.1290% | 4,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.4231% | 175 |
| Return on assets (ROA) | 2.4231% | 185 |
| Pretax return on assets | 2.5919% | 192 |
| Return on Equity (ROE) | 17.1148% | 434 |
| Retained earnings to average equity (ytd only) | 10.9651% | 434 |
| Net charge-offs to loans | -0.0214% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0725% | 5,708 |
| Assets per employee ($millions) | 8.8563% | 432 |
| Cash dividends to net income (ytd only)* | 35.9321% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 1,667 |
| Loan loss allowance to noncurrent loans | 2,911.2971% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 5,259 |
| Noncurrent loans to loans | 0.0524% | 5,148 |
| Net loans and leases to total assets | 93.8347% | 11 |
| Net loans and leases to deposits | 133.2940% | 33 |
| Net loans and leases to core deposits | 174.1643% | 61 |
| Total domestic deposits to total assets | 70.3968% | 5,674 |
| Equity capital to assets | 14.3411% | 919 |
| Core capital (leverage) ratio | 14.1449% | 809 |
| Tier 1 risk-based capital ratio | 16.3532% | 2,471 |
| Total risk-based capital ratio | 17.6083% | 2,423 |
| Memoranda: | ||
| Average total assets | $463,690,750 | 1,473 |
| Average earning assets | $454,235,500 | 1,414 |
| Average equity | $65,649,250 | 1,204 |
| Average total loans | $441,869,500 | 1,108 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 2,458 |
| Cost of funding earning assets | 0.6838% | 869 |
| Net interest margin | 3.5337% | 3,353 |
| Noninterest income to average assets | 0.7850% | 1,787 |
| Noninterest expense to average assets | 2.0569% | 5,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0452% | 302 |
| Return on assets (ROA) | 2.0452% | 315 |
| Pretax return on assets | 2.1877% | 389 |
| Return on Equity (ROE) | 14.5104% | 743 |
| Retained earnings to average equity (ytd only) | 8.9531% | 864 |
| Net charge-offs to loans | -0.0238% | 5,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4186% | 5,649 |
| Assets per employee ($millions) | 8.5513% | 466 |
| Cash dividends to net income (ytd only)* | 38.2992% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 1,779 |
| Loan loss allowance to noncurrent loans | 1,089.3250% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 4,541 |
| Noncurrent loans to loans | 0.1399% | 4,872 |
| Net loans and leases to total assets | 93.6626% | 14 |
| Net loans and leases to deposits | 129.1770% | 48 |
| Net loans and leases to core deposits | 166.1697% | 73 |
| Total domestic deposits to total assets | 72.5072% | 5,639 |
| Equity capital to assets | 13.7992% | 1,094 |
| Core capital (leverage) ratio | 14.0641% | 801 |
| Tier 1 risk-based capital ratio | 15.5510% | 2,840 |
| Total risk-based capital ratio | 16.8058% | 2,777 |
| Memoranda: | ||
| Average total assets | $458,840,330 | 1,494 |
| Average earning assets | $449,221,670 | 1,428 |
| Average equity | $64,670,670 | 1,220 |
| Average total loans | $437,254,330 | 1,118 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1726% | 2,573 |
| Cost of funding earning assets | 0.6540% | 1,030 |
| Net interest margin | 3.5186% | 3,397 |
| Noninterest income to average assets | 0.6435% | 2,299 |
| Noninterest expense to average assets | 1.9634% | 5,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9883% | 343 |
| Return on assets (ROA) | 1.9883% | 360 |
| Pretax return on assets | 2.1273% | 435 |
| Return on Equity (ROE) | 13.9513% | 841 |
| Retained earnings to average equity (ytd only) | 9.7490% | 909 |
| Net charge-offs to loans | -0.0420% | 5,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9521% | 5,727 |
| Assets per employee ($millions) | 8.1238% | 542 |
| Cash dividends to net income (ytd only)* | 30.1210% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 1,730 |
| Loan loss allowance to noncurrent loans | 535.7032% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 3,584 |
| Noncurrent loans to loans | 0.2922% | 4,384 |
| Net loans and leases to total assets | 94.1279% | 9 |
| Net loans and leases to deposits | 139.8373% | 15 |
| Net loans and leases to core deposits | 164.5106% | 69 |
| Total domestic deposits to total assets | 67.3124% | 5,939 |
| Equity capital to assets | 13.9821% | 988 |
| Core capital (leverage) ratio | 14.6184% | 677 |
| Tier 1 risk-based capital ratio | 15.4695% | 2,939 |
| Total risk-based capital ratio | 16.7246% | 2,865 |
| Memoranda: | ||
| Average total assets | $448,823,000 | 1,529 |
| Average earning assets | $439,725,000 | 1,451 |
| Average equity | $63,965,500 | 1,226 |
| Average total loans | $428,148,500 | 1,139 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 2,632 |
| Cost of funding earning assets | 0.5545% | 1,724 |
| Net interest margin | 3.6233% | 3,045 |
| Noninterest income to average assets | 0.9448% | 1,328 |
| Noninterest expense to average assets | 2.4781% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.8723% | 426 |
| Return on assets (ROA) | 1.8723% | 434 |
| Pretax return on assets | 2.0034% | 535 |
| Return on Equity (ROE) | 12.4762% | 1,185 |
| Retained earnings to average equity (ytd only) | 6.5539% | 1,509 |
| Net charge-offs to loans | -0.0085% | 5,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2257% | 5,417 |
| Assets per employee ($millions) | 7.7605% | 622 |
| Cash dividends to net income (ytd only)* | 47.4684% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 1,435 |
| Loan loss allowance to noncurrent loans | 591.1588% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 3,577 |
| Noncurrent loans to loans | 0.2817% | 4,453 |
| Net loans and leases to total assets | 93.5624% | 11 |
| Net loans and leases to deposits | 137.0010% | 23 |
| Net loans and leases to core deposits | 161.5392% | 74 |
| Total domestic deposits to total assets | 68.2933% | 5,963 |
| Equity capital to assets | 14.5393% | 763 |
| Core capital (leverage) ratio | 14.6656% | 676 |
| Tier 1 risk-based capital ratio | 16.0710% | 2,656 |
| Total risk-based capital ratio | 17.3272% | 2,598 |
| Memoranda: | ||
| Average total assets | $410,355,600 | 1,606 |
| Average earning assets | $400,543,000 | 1,527 |
| Average equity | $61,581,200 | 1,225 |
| Average total loans | $389,073,800 | 1,189 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1487% | 2,754 |
| Cost of funding earning assets | 0.5423% | 1,868 |
| Net interest margin | 3.6064% | 3,136 |
| Noninterest income to average assets | 1.0144% | 1,155 |
| Noninterest expense to average assets | 2.2851% | 4,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0997% | 303 |
| Return on assets (ROA) | 2.0997% | 325 |
| Pretax return on assets | 2.2468% | 372 |
| Return on Equity (ROE) | 13.8756% | 932 |
| Retained earnings to average equity (ytd only) | 8.2291% | 1,150 |
| Net charge-offs to loans | -0.0202% | 5,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3493% | 5,759 |
| Assets per employee ($millions) | 7.4158% | 715 |
| Cash dividends to net income (ytd only)* | 40.6942% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 1,436 |
| Loan loss allowance to noncurrent loans | 2,775.9036% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 4,479 |
| Noncurrent loans to loans | 0.0619% | 5,369 |
| Net loans and leases to total assets | 93.5645% | 10 |
| Net loans and leases to deposits | 147.9268% | 15 |
| Net loans and leases to core deposits | 175.9720% | 55 |
| Total domestic deposits to total assets | 63.2505% | 6,145 |
| Equity capital to assets | 14.8867% | 767 |
| Core capital (leverage) ratio | 15.2071% | 600 |
| Tier 1 risk-based capital ratio | 16.4962% | 2,578 |
| Total risk-based capital ratio | 17.7532% | 2,539 |
| Memoranda: | ||
| Average total assets | $404,297,250 | 1,645 |
| Average earning assets | $394,326,000 | 1,563 |
| Average equity | $61,180,000 | 1,236 |
| Average total loans | $382,967,500 | 1,208 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1056% | 2,875 |
| Cost of funding earning assets | 0.5281% | 2,000 |
| Net interest margin | 3.5775% | 3,176 |
| Noninterest income to average assets | 1.1754% | 877 |
| Noninterest expense to average assets | 2.3875% | 4,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1233% | 301 |
| Return on assets (ROA) | 2.1233% | 315 |
| Pretax return on assets | 2.2724% | 360 |
| Return on Equity (ROE) | 13.9510% | 915 |
| Retained earnings to average equity (ytd only) | 8.8848% | 965 |
| Net charge-offs to loans | -0.1631% | 5,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1480% | 5,784 |
| Assets per employee ($millions) | 7.8524% | 562 |
| Cash dividends to net income (ytd only)* | 36.3142% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 1,517 |
| Loan loss allowance to noncurrent loans | 1,213.7288% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 4,153 |
| Noncurrent loans to loans | 0.1436% | 5,174 |
| Net loans and leases to total assets | 93.4767% | 11 |
| Net loans and leases to deposits | 143.8916% | 19 |
| Net loans and leases to core deposits | 171.5707% | 62 |
| Total domestic deposits to total assets | 64.9633% | 6,190 |
| Equity capital to assets | 14.3191% | 873 |
| Core capital (leverage) ratio | 15.6216% | 525 |
| Tier 1 risk-based capital ratio | 15.7975% | 2,956 |
| Total risk-based capital ratio | 17.0546% | 2,913 |
| Memoranda: | ||
| Average total assets | $398,163,000 | 1,681 |
| Average earning assets | $387,811,330 | 1,595 |
| Average equity | $60,598,000 | 1,263 |
| Average total loans | $376,487,000 | 1,226 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2096% | 2,412 |
| Cost of funding earning assets | 0.5245% | 2,058 |
| Net interest margin | 3.6852% | 2,677 |
| Noninterest income to average assets | 1.1120% | 917 |
| Noninterest expense to average assets | 2.3163% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.2219% | 226 |
| Return on assets (ROA) | 2.2219% | 236 |
| Pretax return on assets | 2.3782% | 288 |
| Return on Equity (ROE) | 14.1257% | 855 |
| Retained earnings to average equity (ytd only) | 11.0177% | 717 |
| Net charge-offs to loans | -0.0145% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2514% | 5,963 |
| Assets per employee ($millions) | 6.8930% | 896 |
| Cash dividends to net income (ytd only)* | 22.0019% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8576% | 1,382 |
| Loan loss allowance to noncurrent loans | 1,040.4545% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.6152% | 3,643 |
| Noncurrent loans to loans | 0.1785% | 5,140 |
| Net loans and leases to total assets | 92.3400% | 22 |
| Net loans and leases to deposits | 142.4047% | 19 |
| Net loans and leases to core deposits | 166.7822% | 70 |
| Total domestic deposits to total assets | 64.8434% | 6,261 |
| Equity capital to assets | 15.4752% | 631 |
| Core capital (leverage) ratio | 16.0602% | 454 |
| Tier 1 risk-based capital ratio | 17.8928% | 2,174 |
| Total risk-based capital ratio | 19.1521% | 2,129 |
| Memoranda: | ||
| Average total assets | $381,302,500 | 1,749 |
| Average earning assets | $370,672,500 | 1,669 |
| Average equity | $59,976,000 | 1,279 |
| Average total loans | $359,294,500 | 1,269 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2607% | 2,737 |
| Cost of funding earning assets | 0.4626% | 3,047 |
| Net interest margin | 3.7981% | 2,627 |
| Noninterest income to average assets | 0.9419% | 1,372 |
| Noninterest expense to average assets | 2.6546% | 4,027 |
| Loan and lease loss provision to assets | 0.0125% | 4,368 |
| Net operating income to assets | 1.8365% | 443 |
| Return on assets (ROA) | 1.8365% | 460 |
| Pretax return on assets | 1.9647% | 546 |
| Return on Equity (ROE) | 11.4472% | 1,575 |
| Retained earnings to average equity (ytd only) | 6.3909% | 1,715 |
| Net charge-offs to loans | 0.1383% | 2,638 |
| Credit loss provision to net charge-offs | 9.6774% | 4,106 |
| Earnings coverage of net charge-offs (x) | 15.2903% | 2,094 |
| Efficiency ratio | 57.1806% | 5,548 |
| Assets per employee ($millions) | 6.4861% | 1,058 |
| Cash dividends to net income (ytd only)* | 44.1702% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9644% | 1,176 |
| Loan loss allowance to noncurrent loans | 557.6892% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 3,351 |
| Noncurrent loans to loans | 0.3522% | 4,604 |
| Net loans and leases to total assets | 92.5235% | 19 |
| Net loans and leases to deposits | 137.8927% | 28 |
| Net loans and leases to core deposits | 161.1515% | 80 |
| Total domestic deposits to total assets | 67.0982% | 6,295 |
| Equity capital to assets | 15.9992% | 535 |
| Core capital (leverage) ratio | 15.8451% | 485 |
| Tier 1 risk-based capital ratio | 17.3105% | 2,377 |
| Total risk-based capital ratio | 18.5698% | 2,335 |
| Memoranda: | ||
| Average total assets | $359,605,000 | 1,816 |
| Average earning assets | $349,358,000 | 1,708 |
| Average equity | $57,691,200 | 1,267 |
| Average total loans | $336,123,600 | 1,298 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 2,797 |
| Cost of funding earning assets | 0.4399% | 3,368 |
| Net interest margin | 3.8139% | 2,563 |
| Noninterest income to average assets | 0.8984% | 1,527 |
| Noninterest expense to average assets | 2.3662% | 4,924 |
| Loan and lease loss provision to assets | 0.0168% | 4,078 |
| Net operating income to assets | 2.0738% | 300 |
| Return on assets (ROA) | 2.0738% | 310 |
| Pretax return on assets | 2.2187% | 353 |
| Return on Equity (ROE) | 12.9175% | 1,235 |
| Retained earnings to average equity (ytd only) | 8.2822% | 1,229 |
| Net charge-offs to loans | 0.1314% | 2,483 |
| Credit loss provision to net charge-offs | 13.7195% | 3,656 |
| Earnings coverage of net charge-offs (x) | 18.2532% | 1,854 |
| Efficiency ratio | 51.2739% | 6,039 |
| Assets per employee ($millions) | 6.6010% | 967 |
| Cash dividends to net income (ytd only)* | 35.8841% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0464% | 1,170 |
| Loan loss allowance to noncurrent loans | 629.2529% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 3,892 |
| Noncurrent loans to loans | 0.3252% | 4,932 |
| Net loans and leases to total assets | 92.1717% | 25 |
| Net loans and leases to deposits | 132.8610% | 31 |
| Net loans and leases to core deposits | 151.4649% | 97 |
| Total domestic deposits to total assets | 69.3745% | 6,302 |
| Equity capital to assets | 16.2576% | 529 |
| Core capital (leverage) ratio | 16.1649% | 456 |
| Tier 1 risk-based capital ratio | 17.8094% | 2,270 |
| Total risk-based capital ratio | 19.0701% | 2,231 |
| Memoranda: | ||
| Average total assets | $357,079,750 | 1,840 |
| Average earning assets | $346,726,000 | 1,735 |
| Average equity | $57,326,500 | 1,280 |
| Average total loans | $332,924,750 | 1,316 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 2,989 |
| Cost of funding earning assets | 0.4139% | 3,723 |
| Net interest margin | 3.7758% | 2,650 |
| Noninterest income to average assets | 0.8133% | 1,791 |
| Noninterest expense to average assets | 2.3408% | 5,053 |
| Loan and lease loss provision to assets | 0.0253% | 3,773 |
| Net operating income to assets | 1.9730% | 355 |
| Return on assets (ROA) | 1.9730% | 369 |
| Pretax return on assets | 2.1110% | 436 |
| Return on Equity (ROE) | 12.3431% | 1,342 |
| Retained earnings to average equity (ytd only) | 9.1718% | 930 |
| Net charge-offs to loans | 0.1297% | 2,368 |
| Credit loss provision to net charge-offs | 21.0280% | 3,189 |
| Earnings coverage of net charge-offs (x) | 17.7243% | 1,718 |
| Efficiency ratio | 52.1323% | 6,054 |
| Assets per employee ($millions) | 6.7276% | 910 |
| Cash dividends to net income (ytd only)* | 25.6923% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0858% | 1,208 |
| Loan loss allowance to noncurrent loans | 1,233.5069% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 4,507 |
| Noncurrent loans to loans | 0.1691% | 5,504 |
| Net loans and leases to total assets | 91.8087% | 26 |
| Net loans and leases to deposits | 137.9885% | 25 |
| Net loans and leases to core deposits | 153.3072% | 90 |
| Total domestic deposits to total assets | 66.5336% | 6,468 |
| Equity capital to assets | 15.9834% | 557 |
| Core capital (leverage) ratio | 16.3289% | 433 |
| Tier 1 risk-based capital ratio | 17.8412% | 2,295 |
| Total risk-based capital ratio | 19.1027% | 2,261 |
| Memoranda: | ||
| Average total assets | $355,088,330 | 1,848 |
| Average earning assets | $344,567,000 | 1,740 |
| Average equity | $56,760,670 | 1,282 |
| Average total loans | $330,025,000 | 1,320 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1436% | 3,119 |
| Cost of funding earning assets | 0.4046% | 3,915 |
| Net interest margin | 3.7390% | 2,714 |
| Noninterest income to average assets | 0.7214% | 2,076 |
| Noninterest expense to average assets | 2.3545% | 5,052 |
| Loan and lease loss provision to assets | 0.0513% | 3,075 |
| Net operating income to assets | 1.8120% | 474 |
| Return on assets (ROA) | 1.8120% | 494 |
| Pretax return on assets | 1.9385% | 605 |
| Return on Equity (ROE) | 11.3353% | 1,590 |
| Retained earnings to average equity (ytd only) | 9.1965% | 1,196 |
| Net charge-offs to loans | 0.2131% | 1,477 |
| Credit loss provision to net charge-offs | 26.0116% | 2,440 |
| Earnings coverage of net charge-offs (x) | 10.0925% | 1,890 |
| Efficiency ratio | 54.0399% | 6,004 |
| Assets per employee ($millions) | 6.6032% | 965 |
| Cash dividends to net income (ytd only)* | 18.8679% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1733% | 1,209 |
| Loan loss allowance to noncurrent loans | 1,125.3543% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.9144% | 3,439 |
| Noncurrent loans to loans | 0.1931% | 5,512 |
| Net loans and leases to total assets | 91.9118% | 16 |
| Net loans and leases to deposits | 145.4874% | 21 |
| Net loans and leases to core deposits | 157.6067% | 79 |
| Total domestic deposits to total assets | 63.1751% | 6,601 |
| Equity capital to assets | 16.2167% | 496 |
| Core capital (leverage) ratio | 16.5426% | 414 |
| Tier 1 risk-based capital ratio | 18.3673% | 2,157 |
| Total risk-based capital ratio | 19.6305% | 2,121 |
| Memoranda: | ||
| Average total assets | $350,987,500 | 1,870 |
| Average earning assets | $340,093,000 | 1,769 |
| Average equity | $56,108,000 | 1,293 |
| Average total loans | $324,719,000 | 1,341 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1848% | 3,396 |
| Cost of funding earning assets | 0.4721% | 3,891 |
| Net interest margin | 3.7128% | 3,006 |
| Noninterest income to average assets | 1.1819% | 1,015 |
| Noninterest expense to average assets | 2.7780% | 3,803 |
| Loan and lease loss provision to assets | 0.1754% | 2,104 |
| Net operating income to assets | 1.7074% | 574 |
| Return on assets (ROA) | 1.7074% | 588 |
| Pretax return on assets | 1.8265% | 711 |
| Return on Equity (ROE) | 10.4830% | 1,929 |
| Retained earnings to average equity (ytd only) | 6.7071% | 1,573 |
| Net charge-offs to loans | 0.4009% | 1,681 |
| Credit loss provision to net charge-offs | 47.0779% | 3,891 |
| Earnings coverage of net charge-offs (x) | 5.3742% | 3,318 |
| Efficiency ratio | 57.9164% | 5,747 |
| Assets per employee ($millions) | 6.2859% | 1,092 |
| Cash dividends to net income (ytd only)* | 36.0191% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2687% | 1,085 |
| Loan loss allowance to noncurrent loans | 1,074.4461% | 476 |
| Noncurrent assets plus other real estate owned to assets | 1.0165% | 3,391 |
| Noncurrent loans to loans | 0.2111% | 5,547 |
| Net loans and leases to total assets | 89.0199% | 62 |
| Net loans and leases to deposits | 141.9897% | 23 |
| Net loans and leases to core deposits | 150.0881% | 99 |
| Total domestic deposits to total assets | 62.6946% | 6,690 |
| Equity capital to assets | 15.7562% | 568 |
| Core capital (leverage) ratio | 16.3254% | 432 |
| Tier 1 risk-based capital ratio | 18.2777% | 2,158 |
| Total risk-based capital ratio | 19.5418% | 2,111 |
| Memoranda: | ||
| Average total assets | $330,746,200 | 1,950 |
| Average earning assets | $320,514,800 | 1,856 |
| Average equity | $53,868,400 | 1,320 |
| Average total loans | $307,294,200 | 1,379 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 3,415 |
| Cost of funding earning assets | 0.4869% | 3,893 |
| Net interest margin | 3.7052% | 3,012 |
| Noninterest income to average assets | 1.2045% | 1,002 |
| Noninterest expense to average assets | 2.5697% | 4,491 |
| Loan and lease loss provision to assets | 0.2376% | 1,515 |
| Net operating income to assets | 1.8564% | 469 |
| Return on assets (ROA) | 1.8564% | 482 |
| Pretax return on assets | 1.9858% | 593 |
| Return on Equity (ROE) | 11.2983% | 1,706 |
| Retained earnings to average equity (ytd only) | 7.5954% | 1,592 |
| Net charge-offs to loans | 0.2781% | 2,158 |
| Credit loss provision to net charge-offs | 91.4826% | 2,602 |
| Earnings coverage of net charge-offs (x) | 8.5600% | 2,608 |
| Efficiency ratio | 53.3977% | 6,154 |
| Assets per employee ($millions) | 6.0957% | 1,181 |
| Cash dividends to net income (ytd only)* | 32.7742% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5036% | 932 |
| Loan loss allowance to noncurrent loans | 823.4310% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 4,484 |
| Noncurrent loans to loans | 0.3041% | 5,470 |
| Net loans and leases to total assets | 91.4351% | 23 |
| Net loans and leases to deposits | 140.9660% | 22 |
| Net loans and leases to core deposits | 149.1353% | 95 |
| Total domestic deposits to total assets | 64.8632% | 6,728 |
| Equity capital to assets | 16.3743% | 483 |
| Core capital (leverage) ratio | 16.7358% | 411 |
| Tier 1 risk-based capital ratio | 18.7601% | 2,061 |
| Total risk-based capital ratio | 20.0279% | 2,021 |
| Memoranda: | ||
| Average total assets | $325,430,750 | 1,992 |
| Average earning assets | $315,187,500 | 1,895 |
| Average equity | $53,469,750 | 1,342 |
| Average total loans | $303,960,000 | 1,394 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 3,481 |
| Cost of funding earning assets | 0.5050% | 3,852 |
| Net interest margin | 3.6631% | 3,119 |
| Noninterest income to average assets | 1.3397% | 870 |
| Noninterest expense to average assets | 2.6068% | 4,356 |
| Loan and lease loss provision to assets | 0.3290% | 1,048 |
| Net operating income to assets | 1.8209% | 493 |
| Return on assets (ROA) | 1.8209% | 530 |
| Pretax return on assets | 1.9481% | 673 |
| Return on Equity (ROE) | 11.0692% | 1,791 |
| Retained earnings to average equity (ytd only) | 8.2991% | 1,364 |
| Net charge-offs to loans | 0.3175% | 1,917 |
| Credit loss provision to net charge-offs | 111.1111% | 1,994 |
| Earnings coverage of net charge-offs (x) | 7.6897% | 2,512 |
| Efficiency ratio | 53.1588% | 6,208 |
| Assets per employee ($millions) | 5.5979% | 1,500 |
| Cash dividends to net income (ytd only)* | 25.0256% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6112% | 877 |
| Loan loss allowance to noncurrent loans | 582.8342% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 4,253 |
| Noncurrent loans to loans | 0.4480% | 5,141 |
| Net loans and leases to total assets | 91.6558% | 21 |
| Net loans and leases to deposits | 147.3310% | 19 |
| Net loans and leases to core deposits | 155.1327% | 84 |
| Total domestic deposits to total assets | 62.2108% | 6,820 |
| Equity capital to assets | 16.6469% | 451 |
| Core capital (leverage) ratio | 16.9931% | 370 |
| Tier 1 risk-based capital ratio | 19.0924% | 1,973 |
| Total risk-based capital ratio | 20.3616% | 1,930 |
| Memoranda: | ||
| Average total assets | $322,153,000 | 2,014 |
| Average earning assets | $311,707,000 | 1,919 |
| Average equity | $52,994,000 | 1,357 |
| Average total loans | $300,473,000 | 1,401 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 3,884 |
| Cost of funding earning assets | 0.5000% | 4,088 |
| Net interest margin | 3.5610% | 3,426 |
| Noninterest income to average assets | 1.4871% | 699 |
| Noninterest expense to average assets | 2.6801% | 4,153 |
| Loan and lease loss provision to assets | 0.2867% | 1,227 |
| Net operating income to assets | 1.8287% | 456 |
| Return on assets (ROA) | 1.8287% | 506 |
| Pretax return on assets | 1.9558% | 646 |
| Return on Equity (ROE) | 11.1843% | 1,645 |
| Retained earnings to average equity (ytd only) | 9.4003% | 1,270 |
| Net charge-offs to loans | 0.7008% | 873 |
| Credit loss provision to net charge-offs | 44.0613% | 2,700 |
| Earnings coverage of net charge-offs (x) | 3.4464% | 2,765 |
| Efficiency ratio | 54.2163% | 6,210 |
| Assets per employee ($millions) | 5.8556% | 1,366 |
| Cash dividends to net income (ytd only)* | 15.9509% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5426% | 1,067 |
| Loan loss allowance to noncurrent loans | 944.8020% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 4,838 |
| Noncurrent loans to loans | 0.2691% | 5,736 |
| Net loans and leases to total assets | 90.8570% | 26 |
| Net loans and leases to deposits | 134.1251% | 33 |
| Net loans and leases to core deposits | 145.5943% | 110 |
| Total domestic deposits to total assets | 67.7405% | 6,811 |
| Equity capital to assets | 16.4823% | 495 |
| Core capital (leverage) ratio | 16.4823% | 407 |
| Tier 1 risk-based capital ratio | 19.6413% | 1,866 |
| Total risk-based capital ratio | 20.9108% | 1,837 |
| Memoranda: | ||
| Average total assets | $320,889,500 | 2,041 |
| Average earning assets | $309,579,000 | 1,964 |
| Average equity | $52,466,500 | 1,386 |
| Average total loans | $297,926,000 | 1,421 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 3,511 |
| Cost of funding earning assets | 0.8068% | 2,615 |
| Net interest margin | 3.6659% | 3,800 |
| Noninterest income to average assets | 1.5956% | 626 |
| Noninterest expense to average assets | 2.7838% | 4,089 |
| Loan and lease loss provision to assets | 0.5586% | 1,019 |
| Net operating income to assets | 1.6741% | 648 |
| Return on assets (ROA) | 1.6741% | 728 |
| Pretax return on assets | 1.7911% | 935 |
| Return on Equity (ROE) | 10.7525% | 1,887 |
| Retained earnings to average equity (ytd only) | 7.6175% | 1,272 |
| Net charge-offs to loans | 0.9133% | 1,238 |
| Credit loss provision to net charge-offs | 65.1466% | 4,313 |
| Earnings coverage of net charge-offs (x) | 2.7405% | 4,058 |
| Efficiency ratio | 53.9745% | 6,272 |
| Assets per employee ($millions) | 5.9207% | 1,342 |
| Cash dividends to net income (ytd only)* | 29.1566% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6813% | 944 |
| Loan loss allowance to noncurrent loans | 326.7106% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 1.3215% | 3,435 |
| Noncurrent loans to loans | 0.8207% | 4,542 |
| Net loans and leases to total assets | 89.9784% | 45 |
| Net loans and leases to deposits | 122.9950% | 61 |
| Net loans and leases to core deposits | 128.7945% | 195 |
| Total domestic deposits to total assets | 73.1561% | 6,604 |
| Equity capital to assets | 16.2174% | 516 |
| Core capital (leverage) ratio | 16.2174% | 424 |
| Tier 1 risk-based capital ratio | 19.1099% | 1,928 |
| Total risk-based capital ratio | 20.3806% | 1,897 |
| Memoranda: | ||
| Average total assets | $322,260,800 | 1,998 |
| Average earning assets | $311,000,800 | 1,902 |
| Average equity | $50,174,200 | 1,414 |
| Average total loans | $302,514,600 | 1,382 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 3,906 |
| Cost of funding earning assets | 0.8387% | 2,639 |
| Net interest margin | 3.5949% | 4,254 |
| Noninterest income to average assets | 1.4320% | 732 |
| Noninterest expense to average assets | 2.4788% | 5,146 |
| Loan and lease loss provision to assets | 0.5574% | 1,031 |
| Net operating income to assets | 1.7462% | 633 |
| Return on assets (ROA) | 1.7462% | 701 |
| Pretax return on assets | 1.8685% | 924 |
| Return on Equity (ROE) | 11.3325% | 1,845 |
| Retained earnings to average equity (ytd only) | 8.9020% | 1,267 |
| Net charge-offs to loans | 0.5487% | 1,960 |
| Credit loss provision to net charge-offs | 107.8275% | 2,725 |
| Earnings coverage of net charge-offs (x) | 4.6925% | 3,232 |
| Efficiency ratio | 50.2694% | 6,569 |
| Assets per employee ($millions) | 6.2122% | 1,115 |
| Cash dividends to net income (ytd only)* | 21.4471% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9816% | 725 |
| Loan loss allowance to noncurrent loans | 188.6440% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 2.2601% | 2,356 |
| Noncurrent loans to loans | 1.5805% | 3,418 |
| Net loans and leases to total assets | 90.5267% | 40 |
| Net loans and leases to deposits | 129.2619% | 49 |
| Net loans and leases to core deposits | 138.0528% | 148 |
| Total domestic deposits to total assets | 70.0336% | 6,840 |
| Equity capital to assets | 15.8961% | 628 |
| Core capital (leverage) ratio | 15.8961% | 488 |
| Tier 1 risk-based capital ratio | 18.4724% | 2,178 |
| Total risk-based capital ratio | 19.7470% | 2,135 |
| Memoranda: | ||
| Average total assets | $322,896,250 | 2,012 |
| Average earning assets | $311,913,500 | 1,913 |
| Average equity | $49,755,250 | 1,437 |
| Average total loans | $304,242,250 | 1,392 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 4,245 |
| Cost of funding earning assets | 0.8271% | 2,977 |
| Net interest margin | 3.5569% | 4,434 |
| Noninterest income to average assets | 1.3189% | 818 |
| Noninterest expense to average assets | 2.4575% | 5,270 |
| Loan and lease loss provision to assets | 0.5575% | 1,098 |
| Net operating income to assets | 1.6311% | 787 |
| Return on assets (ROA) | 1.6311% | 876 |
| Pretax return on assets | 1.7457% | 1,148 |
| Return on Equity (ROE) | 10.6981% | 2,094 |
| Retained earnings to average equity (ytd only) | 8.6584% | 1,394 |
| Net charge-offs to loans | 0.7038% | 1,572 |
| Credit loss provision to net charge-offs | 83.7989% | 3,215 |
| Earnings coverage of net charge-offs (x) | 3.4618% | 3,364 |
| Efficiency ratio | 51.6200% | 6,531 |
| Assets per employee ($millions) | 6.2390% | 1,098 |
| Cash dividends to net income (ytd only)* | 19.0657% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8145% | 929 |
| Loan loss allowance to noncurrent loans | 171.3190% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 2.6274% | 2,108 |
| Noncurrent loans to loans | 1.6428% | 3,445 |
| Net loans and leases to total assets | 91.0072% | 31 |
| Net loans and leases to deposits | 139.0934% | 31 |
| Net loans and leases to core deposits | 146.9858% | 117 |
| Total domestic deposits to total assets | 65.4289% | 7,059 |
| Equity capital to assets | 15.1691% | 740 |
| Core capital (leverage) ratio | 15.1691% | 571 |
| Tier 1 risk-based capital ratio | 17.4581% | 2,484 |
| Total risk-based capital ratio | 18.7303% | 2,443 |
| Memoranda: | ||
| Average total assets | $322,850,000 | 2,006 |
| Average earning assets | $312,408,000 | 1,913 |
| Average equity | $49,223,670 | 1,444 |
| Average total loans | $305,183,000 | 1,378 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 4,207 |
| Cost of funding earning assets | 0.8411% | 3,139 |
| Net interest margin | 3.5868% | 4,320 |
| Noninterest income to average assets | 1.6517% | 538 |
| Noninterest expense to average assets | 2.6086% | 4,785 |
| Loan and lease loss provision to assets | 0.5644% | 1,029 |
| Net operating income to assets | 1.8260% | 573 |
| Return on assets (ROA) | 1.8260% | 645 |
| Pretax return on assets | 1.9552% | 800 |
| Return on Equity (ROE) | 11.9452% | 1,687 |
| Retained earnings to average equity (ytd only) | 11.9452% | 829 |
| Net charge-offs to loans | -0.0079% | 5,883 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8682% | 6,621 |
| Assets per employee ($millions) | 6.1440% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0655% | 785 |
| Loan loss allowance to noncurrent loans | 161.6782% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 2.1422% | 2,738 |
| Noncurrent loans to loans | 1.8960% | 3,288 |
| Net loans and leases to total assets | 92.4933% | 20 |
| Net loans and leases to deposits | 134.8910% | 36 |
| Net loans and leases to core deposits | 142.9346% | 132 |
| Total domestic deposits to total assets | 68.5689% | 7,036 |
| Equity capital to assets | 15.4886% | 662 |
| Core capital (leverage) ratio | 15.4886% | 530 |
| Tier 1 risk-based capital ratio | 17.6434% | 2,425 |
| Total risk-based capital ratio | 18.9192% | 2,389 |
| Memoranda: | ||
| Average total assets | $318,942,000 | 2,038 |
| Average earning assets | $309,134,000 | 1,935 |
| Average equity | $48,756,000 | 1,449 |
| Average total loans | $302,952,000 | 1,401 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5300% | 4,956 |
| Cost of funding earning assets | 0.9483% | 3,734 |
| Net interest margin | 3.5818% | 4,801 |
| Noninterest income to average assets | 1.0368% | 1,263 |
| Noninterest expense to average assets | 2.3416% | 5,936 |
| Loan and lease loss provision to assets | 0.7612% | 1,317 |
| Net operating income to assets | 1.2522% | 1,376 |
| Return on assets (ROA) | 1.2522% | 1,474 |
| Pretax return on assets | 1.3806% | 1,840 |
| Return on Equity (ROE) | 8.2753% | 2,772 |
| Retained earnings to average equity (ytd only) | 3.8568% | 3,466 |
| Net charge-offs to loans | 0.6617% | 2,502 |
| Credit loss provision to net charge-offs | 122.3242% | 2,585 |
| Earnings coverage of net charge-offs (x) | 3.4419% | 3,520 |
| Efficiency ratio | 52.2284% | 6,685 |
| Assets per employee ($millions) | 6.0075% | 1,223 |
| Cash dividends to net income (ytd only)* | 53.3941% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7821% | 2,928 |
| Loan loss allowance to noncurrent loans | 113.0664% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 1.9573% | 3,024 |
| Noncurrent loans to loans | 1.5761% | 3,800 |
| Net loans and leases to total assets | 92.8684% | 15 |
| Net loans and leases to deposits | 142.5326% | 36 |
| Net loans and leases to core deposits | 152.1710% | 129 |
| Total domestic deposits to total assets | 65.1559% | 7,149 |
| Equity capital to assets | 15.0843% | 763 |
| Core capital (leverage) ratio | 15.0843% | 588 |
| Tier 1 risk-based capital ratio | 17.6136% | 2,341 |
| Total risk-based capital ratio | 18.8727% | 2,304 |
| Memoranda: | ||
| Average total assets | $315,297,400 | 2,039 |
| Average earning assets | $303,397,600 | 1,935 |
| Average equity | $47,708,400 | 1,423 |
| Average total loans | $296,515,000 | 1,433 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 5,195 |
| Cost of funding earning assets | 0.9825% | 3,799 |
| Net interest margin | 3.5392% | 5,026 |
| Noninterest income to average assets | 1.0623% | 1,189 |
| Noninterest expense to average assets | 2.1653% | 6,358 |
| Loan and lease loss provision to assets | 0.7630% | 1,239 |
| Net operating income to assets | 1.3964% | 1,158 |
| Return on assets (ROA) | 1.3964% | 1,239 |
| Pretax return on assets | 1.5346% | 1,564 |
| Return on Equity (ROE) | 9.2211% | 2,496 |
| Retained earnings to average equity (ytd only) | 9.2211% | 1,068 |
| Net charge-offs to loans | 0.6062% | 2,431 |
| Credit loss provision to net charge-offs | 134.0283% | 2,379 |
| Earnings coverage of net charge-offs (x) | 4.0357% | 3,204 |
| Efficiency ratio | 48.5182% | 6,924 |
| Assets per employee ($millions) | 5.8213% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 3,111 |
| Loan loss allowance to noncurrent loans | 346.4607% | 926 |
| Noncurrent assets plus other real estate owned to assets | 1.0767% | 4,613 |
| Noncurrent loans to loans | 0.5045% | 5,833 |
| Net loans and leases to total assets | 92.8403% | 16 |
| Net loans and leases to deposits | 142.4453% | 34 |
| Net loans and leases to core deposits | 150.9388% | 133 |
| Total domestic deposits to total assets | 65.1761% | 7,224 |
| Equity capital to assets | 15.1789% | 805 |
| Core capital (leverage) ratio | 15.1789% | 631 |
| Tier 1 risk-based capital ratio | 17.8636% | 2,303 |
| Total risk-based capital ratio | 19.1221% | 2,265 |
| Memoranda: | ||
| Average total assets | $314,522,250 | 2,044 |
| Average earning assets | $302,207,000 | 1,949 |
| Average equity | $47,628,500 | 1,436 |
| Average total loans | $295,379,750 | 1,454 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5392% | 5,221 |
| Cost of funding earning assets | 1.0317% | 3,732 |
| Net interest margin | 3.5075% | 5,123 |
| Noninterest income to average assets | 0.7609% | 2,203 |
| Noninterest expense to average assets | 2.1172% | 6,557 |
| Loan and lease loss provision to assets | 0.7725% | 1,201 |
| Net operating income to assets | 1.1143% | 1,831 |
| Return on assets (ROA) | 1.1143% | 1,916 |
| Pretax return on assets | 1.2327% | 2,361 |
| Return on Equity (ROE) | 7.3643% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.3643% | 1,706 |
| Net charge-offs to loans | 0.5901% | 2,346 |
| Credit loss provision to net charge-offs | 139.6973% | 2,178 |
| Earnings coverage of net charge-offs (x) | 3.6263% | 3,105 |
| Efficiency ratio | 51.3585% | 6,843 |
| Assets per employee ($millions) | 5.7622% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7893% | 3,030 |
| Loan loss allowance to noncurrent loans | 259.5074% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 1.8891% | 3,381 |
| Noncurrent loans to loans | 0.6895% | 5,527 |
| Net loans and leases to total assets | 92.9274% | 14 |
| Net loans and leases to deposits | 148.5820% | 28 |
| Net loans and leases to core deposits | 159.7572% | 124 |
| Total domestic deposits to total assets | 62.5428% | 7,341 |
| Equity capital to assets | 15.4002% | 718 |
| Core capital (leverage) ratio | 15.4002% | 605 |
| Tier 1 risk-based capital ratio | 17.6959% | 2,268 |
| Total risk-based capital ratio | 18.9544% | 2,231 |
| Memoranda: | ||
| Average total assets | $310,699,000 | 2,075 |
| Average earning assets | $297,765,000 | 1,985 |
| Average equity | $47,010,670 | 1,440 |
| Average total loans | $291,161,000 | 1,494 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 5,356 |
| Cost of funding earning assets | 1.0836% | 3,637 |
| Net interest margin | 3.4110% | 5,385 |
| Noninterest income to average assets | 0.6184% | 3,045 |
| Noninterest expense to average assets | 2.0562% | 6,726 |
| Loan and lease loss provision to assets | 0.7730% | 1,107 |
| Net operating income to assets | 0.9495% | 2,361 |
| Return on assets (ROA) | 0.9495% | 2,427 |
| Pretax return on assets | 1.0539% | 2,927 |
| Return on Equity (ROE) | 6.3321% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.3321% | 2,451 |
| Net charge-offs to loans | 0.9837% | 1,376 |
| Credit loss provision to net charge-offs | 84.2697% | 3,055 |
| Earnings coverage of net charge-offs (x) | 1.9916% | 3,316 |
| Efficiency ratio | 52.9529% | 6,783 |
| Assets per employee ($millions) | 5.7718% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 3,326 |
| Loan loss allowance to noncurrent loans | 234.6491% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 2.0574% | 3,253 |
| Noncurrent loans to loans | 0.7265% | 5,555 |
| Net loans and leases to total assets | 92.5047% | 20 |
| Net loans and leases to deposits | 135.7049% | 46 |
| Net loans and leases to core deposits | 152.1807% | 145 |
| Total domestic deposits to total assets | 68.1661% | 7,260 |
| Equity capital to assets | 15.6346% | 642 |
| Core capital (leverage) ratio | 15.6346% | 559 |
| Tier 1 risk-based capital ratio | 17.6054% | 2,244 |
| Total risk-based capital ratio | 18.8622% | 2,214 |
| Memoranda: | ||
| Average total assets | $310,469,500 | 2,091 |
| Average earning assets | $297,156,000 | 2,016 |
| Average equity | $46,556,500 | 1,442 |
| Average total loans | $289,532,000 | 1,516 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 5,926 |
| Cost of funding earning assets | 1.1534% | 4,832 |
| Net interest margin | 3.5056% | 5,225 |
| Noninterest income to average assets | 1.2589% | 934 |
| Noninterest expense to average assets | 2.3909% | 6,110 |
| Loan and lease loss provision to assets | 1.1850% | 1,332 |
| Net operating income to assets | 0.9573% | 2,178 |
| Return on assets (ROA) | 0.9573% | 2,300 |
| Pretax return on assets | 1.0618% | 2,727 |
| Return on Equity (ROE) | 6.7187% | 3,253 |
| Retained earnings to average equity (ytd only) | 4.5455% | 2,692 |
| Net charge-offs to loans | 1.7403% | 1,238 |
| Credit loss provision to net charge-offs | 71.4958% | 5,821 |
| Earnings coverage of net charge-offs (x) | 1.3556% | 4,752 |
| Efficiency ratio | 51.5533% | 7,020 |
| Assets per employee ($millions) | 6.1693% | 1,102 |
| Cash dividends to net income (ytd only)* | 32.3453% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 3,354 |
| Loan loss allowance to noncurrent loans | 352.9370% | 882 |
| Noncurrent assets plus other real estate owned to assets | 1.8260% | 3,593 |
| Noncurrent loans to loans | 0.4707% | 6,101 |
| Net loans and leases to total assets | 90.9225% | 37 |
| Net loans and leases to deposits | 130.8725% | 65 |
| Net loans and leases to core deposits | 146.5231% | 187 |
| Total domestic deposits to total assets | 69.4741% | 7,263 |
| Equity capital to assets | 14.3976% | 930 |
| Core capital (leverage) ratio | 14.3976% | 768 |
| Tier 1 risk-based capital ratio | 17.1530% | 2,293 |
| Total risk-based capital ratio | 18.4101% | 2,250 |
| Memoranda: | ||
| Average total assets | $320,680,200 | 2,033 |
| Average earning assets | $309,080,400 | 1,924 |
| Average equity | $45,693,600 | 1,466 |
| Average total loans | $305,414,600 | 1,471 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6663% | 6,137 |
| Cost of funding earning assets | 1.1411% | 5,196 |
| Net interest margin | 3.5252% | 5,200 |
| Noninterest income to average assets | 1.1518% | 1,056 |
| Noninterest expense to average assets | 2.1926% | 6,623 |
| Loan and lease loss provision to assets | 1.0811% | 1,349 |
| Net operating income to assets | 1.1634% | 1,697 |
| Return on assets (ROA) | 1.1634% | 1,792 |
| Pretax return on assets | 1.2824% | 2,219 |
| Return on Equity (ROE) | 8.1865% | 2,830 |
| Retained earnings to average equity (ytd only) | 8.1865% | 1,357 |
| Net charge-offs to loans | 1.6345% | 1,208 |
| Credit loss provision to net charge-offs | 68.9472% | 5,449 |
| Earnings coverage of net charge-offs (x) | 1.5073% | 4,598 |
| Efficiency ratio | 48.1245% | 7,265 |
| Assets per employee ($millions) | 6.2002% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7201% | 3,094 |
| Loan loss allowance to noncurrent loans | 246.3084% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 2.0644% | 3,387 |
| Noncurrent loans to loans | 0.6984% | 5,815 |
| Net loans and leases to total assets | 93.4093% | 15 |
| Net loans and leases to deposits | 134.4257% | 60 |
| Net loans and leases to core deposits | 150.5833% | 192 |
| Total domestic deposits to total assets | 69.4877% | 7,301 |
| Equity capital to assets | 14.5460% | 1,008 |
| Core capital (leverage) ratio | 14.5488% | 810 |
| Tier 1 risk-based capital ratio | 16.8911% | 2,382 |
| Total risk-based capital ratio | 18.1493% | 2,337 |
| Memoranda: | ||
| Average total assets | $320,649,500 | 2,060 |
| Average earning assets | $309,647,250 | 1,951 |
| Average equity | $45,570,000 | 1,475 |
| Average total loans | $307,616,000 | 1,478 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5953% | 6,471 |
| Cost of funding earning assets | 1.1177% | 5,578 |
| Net interest margin | 3.4776% | 5,331 |
| Noninterest income to average assets | 0.8686% | 1,808 |
| Noninterest expense to average assets | 1.9540% | 7,180 |
| Loan and lease loss provision to assets | 0.9373% | 1,562 |
| Net operating income to assets | 1.2254% | 1,495 |
| Return on assets (ROA) | 1.2254% | 1,557 |
| Pretax return on assets | 1.3485% | 1,954 |
| Return on Equity (ROE) | 8.6910% | 2,582 |
| Retained earnings to average equity (ytd only) | 8.6910% | 1,202 |
| Net charge-offs to loans | 1.6649% | 1,131 |
| Credit loss provision to net charge-offs | 58.5023% | 5,243 |
| Earnings coverage of net charge-offs (x) | 1.4267% | 4,417 |
| Efficiency ratio | 46.0870% | 7,436 |
| Assets per employee ($millions) | 5.8474% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7739% | 2,809 |
| Loan loss allowance to noncurrent loans | 106.4963% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.7684% | 3,802 |
| Noncurrent loans to loans | 1.6657% | 4,198 |
| Net loans and leases to total assets | 94.2918% | 12 |
| Net loans and leases to deposits | 137.9818% | 53 |
| Net loans and leases to core deposits | 157.4549% | 180 |
| Total domestic deposits to total assets | 68.3364% | 7,414 |
| Equity capital to assets | 14.5869% | 988 |
| Core capital (leverage) ratio | 14.5897% | 801 |
| Tier 1 risk-based capital ratio | 16.2784% | 2,559 |
| Total risk-based capital ratio | 17.5364% | 2,511 |
| Memoranda: | ||
| Average total assets | $320,062,330 | 2,071 |
| Average earning assets | $310,271,330 | 1,959 |
| Average equity | $45,127,330 | 1,482 |
| Average total loans | $308,010,330 | 1,487 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6429% | 6,432 |
| Cost of funding earning assets | 1.1038% | 5,891 |
| Net interest margin | 3.5391% | 4,997 |
| Noninterest income to average assets | 0.7821% | 2,108 |
| Noninterest expense to average assets | 1.9329% | 7,281 |
| Loan and lease loss provision to assets | 0.7448% | 1,709 |
| Net operating income to assets | 1.4040% | 1,066 |
| Return on assets (ROA) | 1.4040% | 1,138 |
| Pretax return on assets | 1.5393% | 1,422 |
| Return on Equity (ROE) | 10.1295% | 2,056 |
| Retained earnings to average equity (ytd only) | 10.1295% | 1,110 |
| Net charge-offs to loans | 1.1699% | 1,446 |
| Credit loss provision to net charge-offs | 66.0793% | 4,180 |
| Earnings coverage of net charge-offs (x) | 2.0264% | 3,526 |
| Efficiency ratio | 45.8346% | 7,556 |
| Assets per employee ($millions) | 6.0312% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0238% | 2,118 |
| Loan loss allowance to noncurrent loans | 1,416.6282% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 6,758 |
| Noncurrent loans to loans | 0.1429% | 7,049 |
| Net loans and leases to total assets | 94.6879% | 13 |
| Net loans and leases to deposits | 133.8265% | 68 |
| Net loans and leases to core deposits | 153.5047% | 220 |
| Total domestic deposits to total assets | 70.7542% | 7,361 |
| Equity capital to assets | 14.4209% | 1,031 |
| Core capital (leverage) ratio | 14.4238% | 872 |
| Tier 1 risk-based capital ratio | 15.8891% | 2,693 |
| Total risk-based capital ratio | 17.1500% | 2,635 |
| Memoranda: | ||
| Average total assets | $322,215,000 | 2,108 |
| Average earning assets | $312,738,000 | 1,994 |
| Average equity | $44,661,500 | 1,505 |
| Average total loans | $310,460,500 | 1,519 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6581% | 7,198 |
| Cost of funding earning assets | 1.5399% | 5,339 |
| Net interest margin | 3.1183% | 6,316 |
| Noninterest income to average assets | 1.0638% | 1,355 |
| Noninterest expense to average assets | 2.0578% | 7,268 |
| Loan and lease loss provision to assets | 0.6833% | 3,093 |
| Net operating income to assets | 1.2335% | 1,168 |
| Return on assets (ROA) | 1.1240% | 1,488 |
| Pretax return on assets | 1.2275% | 1,875 |
| Return on Equity (ROE) | 8.4890% | 2,201 |
| Retained earnings to average equity (ytd only) | 4.2227% | 2,263 |
| Net charge-offs to loans | 0.5177% | 3,709 |
| Credit loss provision to net charge-offs | 134.9730% | 3,675 |
| Earnings coverage of net charge-offs (x) | 4.0096% | 3,102 |
| Efficiency ratio | 50.3418% | 7,519 |
| Assets per employee ($millions) | 6.6162% | 935 |
| Cash dividends to net income (ytd only)* | 50.2567% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0269% | 1,961 |
| Loan loss allowance to noncurrent loans | 386.4427% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.7364% | 5,634 |
| Noncurrent loans to loans | 0.5245% | 6,206 |
| Net loans and leases to total assets | 94.1280% | 11 |
| Net loans and leases to deposits | 145.9526% | 49 |
| Net loans and leases to core deposits | 795.3817% | 18 |
| Total domestic deposits to total assets | 64.4922% | 7,689 |
| Equity capital to assets | 13.3297% | 1,384 |
| Core capital (leverage) ratio | 13.3325% | 1,146 |
| Tier 1 risk-based capital ratio | 15.2336% | 2,829 |
| Total risk-based capital ratio | 16.4957% | 2,784 |
| Memoranda: | ||
| Average total assets | $329,279,800 | 2,056 |
| Average earning assets | $319,313,600 | 1,950 |
| Average equity | $43,597,400 | 1,538 |
| Average total loans | $322,018,800 | 1,492 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6947% | 7,295 |
| Cost of funding earning assets | 1.6691% | 5,065 |
| Net interest margin | 3.0256% | 6,533 |
| Noninterest income to average assets | 1.1436% | 1,203 |
| Noninterest expense to average assets | 1.9349% | 7,485 |
| Loan and lease loss provision to assets | 0.7601% | 2,468 |
| Net operating income to assets | 1.2679% | 1,296 |
| Return on assets (ROA) | 1.1217% | 1,734 |
| Pretax return on assets | 1.2247% | 2,182 |
| Return on Equity (ROE) | 8.4863% | 2,458 |
| Retained earnings to average equity (ytd only) | 8.4863% | 979 |
| Net charge-offs to loans | 0.6025% | 2,870 |
| Credit loss provision to net charge-offs | 128.4247% | 3,909 |
| Earnings coverage of net charge-offs (x) | 3.6219% | 3,452 |
| Efficiency ratio | 47.4406% | 7,691 |
| Assets per employee ($millions) | 6.2264% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 1,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 6,435 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 96.8604% | 4 |
| Net loans and leases to deposits | 151.7355% | 50 |
| Net loans and leases to core deposits | 820.8853% | 19 |
| Total domestic deposits to total assets | 63.8350% | 7,771 |
| Equity capital to assets | 14.4617% | 1,153 |
| Core capital (leverage) ratio | 14.4646% | 960 |
| Tier 1 risk-based capital ratio | 15.5176% | 2,818 |
| Total risk-based capital ratio | 16.7788% | 2,749 |
| Memoranda: | ||
| Average total assets | $328,897,500 | 2,077 |
| Average earning assets | $319,045,500 | 1,968 |
| Average equity | $43,472,750 | 1,560 |
| Average total loans | $323,067,000 | 1,510 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6187% | 7,503 |
| Cost of funding earning assets | 1.8198% | 4,664 |
| Net interest margin | 2.7990% | 7,011 |
| Noninterest income to average assets | 1.3664% | 819 |
| Noninterest expense to average assets | 1.9650% | 7,526 |
| Loan and lease loss provision to assets | 0.8962% | 1,885 |
| Net operating income to assets | 1.1093% | 1,742 |
| Return on assets (ROA) | 0.8962% | 2,576 |
| Pretax return on assets | 0.9846% | 3,067 |
| Return on Equity (ROE) | 6.9838% | 3,212 |
| Retained earnings to average equity (ytd only) | 6.9838% | 1,595 |
| Net charge-offs to loans | 0.9106% | 1,886 |
| Credit loss provision to net charge-offs | 100.4016% | 4,548 |
| Earnings coverage of net charge-offs (x) | 2.3695% | 3,880 |
| Efficiency ratio | 48.1622% | 7,745 |
| Assets per employee ($millions) | 6.8998% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 2,047 |
| Loan loss allowance to noncurrent loans | 1,507.7121% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.4925% | 6,210 |
| Noncurrent loans to loans | 0.1193% | 7,218 |
| Net loans and leases to total assets | 96.6898% | 7 |
| Net loans and leases to deposits | 147.4749% | 62 |
| Net loans and leases to core deposits | 765.8185% | 21 |
| Total domestic deposits to total assets | 65.5636% | 7,765 |
| Equity capital to assets | 13.2114% | 1,604 |
| Core capital (leverage) ratio | 13.2142% | 1,361 |
| Tier 1 risk-based capital ratio | 14.6180% | 3,179 |
| Total risk-based capital ratio | 15.8766% | 3,121 |
| Memoranda: | ||
| Average total assets | $334,757,330 | 2,073 |
| Average earning assets | $324,547,000 | 1,954 |
| Average equity | $42,956,330 | 1,587 |
| Average total loans | $328,150,000 | 1,518 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5989% | 7,622 |
| Cost of funding earning assets | 1.9954% | 4,155 |
| Net interest margin | 2.6036% | 7,362 |
| Noninterest income to average assets | 1.6533% | 502 |
| Noninterest expense to average assets | 1.8720% | 7,604 |
| Loan and lease loss provision to assets | 1.0400% | 1,259 |
| Net operating income to assets | 1.1372% | 1,842 |
| Return on assets (ROA) | 0.7179% | 3,668 |
| Pretax return on assets | 0.7940% | 4,096 |
| Return on Equity (ROE) | 5.6771% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.6771% | 2,786 |
| Net charge-offs to loans | 3.3830% | 366 |
| Credit loss provision to net charge-offs | 31.4296% | 4,933 |
| Earnings coverage of net charge-offs (x) | 0.6950% | 4,454 |
| Efficiency ratio | 44.8718% | 7,897 |
| Assets per employee ($millions) | 7.0191% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 4,629 |
| Loan loss allowance to noncurrent loans | 2,181.7680% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.5926% | 5,700 |
| Noncurrent loans to loans | 0.0561% | 7,375 |
| Net loans and leases to total assets | 96.5653% | 8 |
| Net loans and leases to deposits | 155.5683% | 56 |
| Net loans and leases to core deposits | 717.0917% | 20 |
| Total domestic deposits to total assets | 62.0726% | 7,913 |
| Equity capital to assets | 12.9916% | 1,749 |
| Core capital (leverage) ratio | 12.9943% | 1,484 |
| Tier 1 risk-based capital ratio | 13.9754% | 3,605 |
| Total risk-based capital ratio | 15.2260% | 3,525 |
| Memoranda: | ||
| Average total assets | $336,541,000 | 2,068 |
| Average earning assets | $325,553,500 | 1,944 |
| Average equity | $42,557,000 | 1,605 |
| Average total loans | $329,179,000 | 1,524 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5968% | 7,077 |
| Cost of funding earning assets | 3.2641% | 1,011 |
| Net interest margin | 2.3327% | 7,894 |
| Noninterest income to average assets | 1.1050% | 1,287 |
| Noninterest expense to average assets | 1.8771% | 7,653 |
| Loan and lease loss provision to assets | 0.7027% | 2,096 |
| Net operating income to assets | 0.7098% | 3,850 |
| Return on assets (ROA) | 0.6034% | 4,151 |
| Pretax return on assets | 0.6733% | 4,471 |
| Return on Equity (ROE) | 4.7057% | 4,512 |
| Retained earnings to average equity (ytd only) | 2.5709% | 3,586 |
| Net charge-offs to loans | 0.6905% | 1,777 |
| Credit loss provision to net charge-offs | 103.6970% | 5,160 |
| Earnings coverage of net charge-offs (x) | 2.2051% | 4,973 |
| Efficiency ratio | 55.6774% | 7,058 |
| Assets per employee ($millions) | 7.1496% | 659 |
| Cash dividends to net income (ytd only)* | 45.3671% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 1,781 |
| Loan loss allowance to noncurrent loans | 679.6984% | 667 |
| Noncurrent assets plus other real estate owned to assets | 1.0540% | 4,181 |
| Noncurrent loans to loans | 0.2567% | 6,610 |
| Net loans and leases to total assets | 96.1534% | 9 |
| Net loans and leases to deposits | 143.1990% | 98 |
| Net loans and leases to core deposits | 347.1448% | 34 |
| Total domestic deposits to total assets | 67.1467% | 7,557 |
| Equity capital to assets | 12.3127% | 2,104 |
| Core capital (leverage) ratio | 12.3127% | 1,831 |
| Tier 1 risk-based capital ratio | 13.7070% | 3,692 |
| Total risk-based capital ratio | 14.9649% | 3,610 |
| Memoranda: | ||
| Average total assets | $327,321,400 | 2,043 |
| Average earning assets | $318,005,800 | 1,918 |
| Average equity | $41,970,400 | 1,595 |
| Average total loans | $321,221,000 | 1,507 |