Home > FLAGLER BANK > Performance and Condition Ratios
FLAGLER BANK, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 1,994 |
| Cost of funding earning assets | 2.2890% | 417 |
| Net interest margin | 2.6426% | 3,960 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.4561% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3059% | 1,536 |
| Return on assets (ROA) | 1.1923% | 1,803 |
| Pretax return on assets | 1.1923% | 2,315 |
| Return on Equity (ROE) | 13.7200% | 1,731 |
| Retained earnings to average equity (ytd only) | 8.3815% | 1,846 |
| Net charge-offs to loans | -0.0180% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.7196% | 3,699 |
| Assets per employee ($millions) | 12.2302% | 353 |
| Cash dividends to net income (ytd only)* | 38.8914% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 3,322 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 75.1900% | 1,212 |
| Net loans and leases to deposits | 101.3017% | 460 |
| Net loans and leases to core deposits | 127.3126% | 385 |
| Total domestic deposits to total assets | 74.2200% | 4,146 |
| Equity capital to assets | 8.6606% | 2,623 |
| Core capital (leverage) ratio | 11.0685% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4502% | 1,729 |
| Memoranda: | ||
| Average total assets | $502,321,500 | 1,725 |
| Average earning assets | $475,077,500 | 1,696 |
| Average equity | $43,666,250 | 1,759 |
| Average total loans | $378,276,250 | 1,526 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 1,869 |
| Cost of funding earning assets | 2.0344% | 462 |
| Net interest margin | 2.8219% | 3,789 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.4839% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4619% | 1,186 |
| Return on assets (ROA) | 1.2902% | 1,579 |
| Pretax return on assets | 1.2902% | 2,108 |
| Return on Equity (ROE) | 14.8200% | 1,505 |
| Retained earnings to average equity (ytd only) | 6.7753% | 2,361 |
| Net charge-offs to loans | -0.0251% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.3745% | 3,891 |
| Assets per employee ($millions) | 12.3453% | 347 |
| Cash dividends to net income (ytd only)* | 54.2910% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 3,469 |
| Loan loss allowance to noncurrent loans | 30,200.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 3,870 |
| Noncurrent loans to loans | 0.0033% | 3,805 |
| Net loans and leases to total assets | 75.6800% | 1,089 |
| Net loans and leases to deposits | 92.4199% | 995 |
| Net loans and leases to core deposits | 113.6215% | 694 |
| Total domestic deposits to total assets | 81.8900% | 3,253 |
| Equity capital to assets | 8.5869% | 2,795 |
| Core capital (leverage) ratio | 10.4908% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3479% | 2,158 |
| Memoranda: | ||
| Average total assets | $498,539,000 | 1,730 |
| Average earning assets | $472,583,333 | 1,702 |
| Average equity | $43,392,667 | 1,767 |
| Average total loans | $374,314,000 | 1,525 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 1,810 |
| Cost of funding earning assets | 1.5477% | 771 |
| Net interest margin | 3.1663% | 3,196 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.6293% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6350% | 928 |
| Return on assets (ROA) | 1.6342% | 925 |
| Pretax return on assets | 1.6342% | 1,392 |
| Return on Equity (ROE) | 18.6400% | 939 |
| Retained earnings to average equity (ytd only) | 2.3163% | 3,647 |
| Net charge-offs to loans | -0.0242% | 4,155 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.9122% | 3,943 |
| Assets per employee ($millions) | 11.5022% | 453 |
| Cash dividends to net income (ytd only)* | 87.5752% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,212 |
| Loan loss allowance to noncurrent loans | 530.0272% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 2,474 |
| Noncurrent loans to loans | 0.2015% | 2,464 |
| Net loans and leases to total assets | 73.0600% | 1,316 |
| Net loans and leases to deposits | 93.9549% | 788 |
| Net loans and leases to core deposits | 103.5677% | 941 |
| Total domestic deposits to total assets | 77.7600% | 4,024 |
| Equity capital to assets | 8.8274% | 2,647 |
| Core capital (leverage) ratio | 10.5501% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9010% | 2,001 |
| Memoranda: | ||
| Average total assets | $488,558,000 | 1,769 |
| Average earning assets | $463,125,000 | 1,742 |
| Average equity | $42,827,500 | 1,806 |
| Average total loans | $363,307,000 | 1,570 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 1,292 |
| Cost of funding earning assets | 0.6317% | 783 |
| Net interest margin | 3.5451% | 1,801 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.5499% | 4,369 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.9669% | 318 |
| Return on assets (ROA) | 1.9590% | 310 |
| Pretax return on assets | 1.9590% | 522 |
| Return on Equity (ROE) | 22.4800% | 305 |
| Retained earnings to average equity (ytd only) | 14.8723% | 303 |
| Net charge-offs to loans | 0.1548% | 536 |
| Credit loss provision to net charge-offs | 117.4168% | 1,474 |
| Earnings coverage of net charge-offs (x) | 20.0489% | 1,896 |
| Efficiency ratio | 42.5890% | 4,473 |
| Assets per employee ($millions) | 11.2214% | 476 |
| Cash dividends to net income (ytd only)* | 33.8538% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,024 |
| Loan loss allowance to noncurrent loans | 476.5356% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 2,365 |
| Noncurrent loans to loans | 0.2253% | 2,366 |
| Net loans and leases to total assets | 74.0800% | 1,210 |
| Net loans and leases to deposits | 95.8897% | 647 |
| Net loans and leases to core deposits | 102.9046% | 856 |
| Total domestic deposits to total assets | 77.2600% | 4,143 |
| Equity capital to assets | 8.7032% | 2,558 |
| Core capital (leverage) ratio | 10.5849% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9001% | 2,012 |
| Memoranda: | ||
| Average total assets | $490,359,800 | 1,742 |
| Average earning assets | $461,908,400 | 1,726 |
| Average equity | $42,723,800 | 1,836 |
| Average total loans | $330,087,800 | 1,603 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0380% | 1,190 |
| Cost of funding earning assets | 0.5036% | 745 |
| Net interest margin | 3.5345% | 1,563 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.4275% | 4,492 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 2.0804% | 257 |
| Return on assets (ROA) | 2.0704% | 261 |
| Pretax return on assets | 2.0704% | 402 |
| Return on Equity (ROE) | 23.7600% | 227 |
| Retained earnings to average equity (ytd only) | 16.7587% | 228 |
| Net charge-offs to loans | -0.0029% | 3,347 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.3270% | 4,588 |
| Assets per employee ($millions) | 11.1202% | 479 |
| Cash dividends to net income (ytd only)* | 29.4572% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 2,693 |
| Loan loss allowance to noncurrent loans | 500.3534% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 2,418 |
| Noncurrent loans to loans | 0.2339% | 2,453 |
| Net loans and leases to total assets | 73.3200% | 1,154 |
| Net loans and leases to deposits | 89.8434% | 898 |
| Net loans and leases to core deposits | 96.2600% | 984 |
| Total domestic deposits to total assets | 81.6100% | 3,892 |
| Equity capital to assets | 8.1845% | 2,773 |
| Core capital (leverage) ratio | 10.5502% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3907% | 2,322 |
| Memoranda: | ||
| Average total assets | $492,319,250 | 1,745 |
| Average earning assets | $462,823,250 | 1,734 |
| Average equity | $42,906,000 | 1,850 |
| Average total loans | $322,271,500 | 1,625 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 1,227 |
| Cost of funding earning assets | 0.4865% | 565 |
| Net interest margin | 3.3501% | 1,755 |
| Noninterest income to average assets | 0.3065% | 3,327 |
| Noninterest expense to average assets | 1.3881% | 4,538 |
| Loan and lease loss provision to assets | 0.1014% | 986 |
| Net operating income to assets | 1.9606% | 246 |
| Return on assets (ROA) | 1.9460% | 248 |
| Pretax return on assets | 1.9460% | 428 |
| Return on Equity (ROE) | 21.8882% | 198 |
| Retained earnings to average equity (ytd only) | 14.1270% | 346 |
| Net charge-offs to loans | -0.0045% | 3,305 |
| Credit loss provision to net charge-offs | -3,571.4286% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2350% | 4,602 |
| Assets per employee ($millions) | 10.9277% | 511 |
| Cash dividends to net income (ytd only)* | 35.4583% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,596 |
| Loan loss allowance to noncurrent loans | 5,545.2055% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,868 |
| Noncurrent loans to loans | 0.0220% | 3,798 |
| Net loans and leases to total assets | 68.2239% | 1,463 |
| Net loans and leases to deposits | 80.1087% | 1,378 |
| Net loans and leases to core deposits | 83.6011% | 1,477 |
| Total domestic deposits to total assets | 85.1641% | 3,449 |
| Equity capital to assets | 8.7093% | 2,609 |
| Core capital (leverage) ratio | 9.9513% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4756% | 1,875 |
| Memoranda: | ||
| Average total assets | $493,329,667 | 1,748 |
| Average earning assets | $462,906,667 | 1,741 |
| Average equity | $43,859,333 | 1,863 |
| Average total loans | $308,692,667 | 1,677 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6432% | 1,395 |
| Cost of funding earning assets | 0.4862% | 529 |
| Net interest margin | 3.1570% | 2,002 |
| Noninterest income to average assets | 0.2610% | 3,569 |
| Noninterest expense to average assets | 1.2963% | 4,622 |
| Loan and lease loss provision to assets | 0.0400% | 1,636 |
| Net operating income to assets | 1.8832% | 283 |
| Return on assets (ROA) | 1.8583% | 294 |
| Pretax return on assets | 1.8583% | 484 |
| Return on Equity (ROE) | 20.6996% | 211 |
| Retained earnings to average equity (ytd only) | 10.4256% | 920 |
| Net charge-offs to loans | -0.0094% | 3,563 |
| Credit loss provision to net charge-offs | -714.2857% | 3,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2636% | 4,637 |
| Assets per employee ($millions) | 12.5478% | 344 |
| Cash dividends to net income (ytd only)* | 49.6338% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 2,195 |
| Loan loss allowance to noncurrent loans | 5,271.2329% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,915 |
| Noncurrent loans to loans | 0.0253% | 3,813 |
| Net loans and leases to total assets | 56.6328% | 2,462 |
| Net loans and leases to deposits | 67.8371% | 2,170 |
| Net loans and leases to core deposits | 73.4616% | 1,981 |
| Total domestic deposits to total assets | 83.4836% | 3,866 |
| Equity capital to assets | 8.6679% | 3,008 |
| Core capital (leverage) ratio | 9.5486% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2901% | 1,695 |
| Memoranda: | ||
| Average total assets | $499,584,500 | 1,731 |
| Average earning assets | $468,163,500 | 1,733 |
| Average equity | $44,851,000 | 1,894 |
| Average total loans | $296,998,000 | 1,714 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 1,079 |
| Cost of funding earning assets | 0.6439% | 435 |
| Net interest margin | 3.5074% | 1,711 |
| Noninterest income to average assets | 0.2972% | 3,622 |
| Noninterest expense to average assets | 1.4510% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.1665% | 258 |
| Return on assets (ROA) | 2.1760% | 268 |
| Pretax return on assets | 2.1760% | 433 |
| Return on Equity (ROE) | 23.4432% | 157 |
| Retained earnings to average equity (ytd only) | 18.4497% | 86 |
| Net charge-offs to loans | -0.3517% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1107% | 4,686 |
| Assets per employee ($millions) | 12.7502% | 335 |
| Cash dividends to net income (ytd only)* | 21.3006% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,680 |
| Loan loss allowance to noncurrent loans | 5,193.1507% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 3,989 |
| Noncurrent loans to loans | 0.0239% | 3,899 |
| Net loans and leases to total assets | 60.7553% | 2,085 |
| Net loans and leases to deposits | 73.3941% | 1,781 |
| Net loans and leases to core deposits | 79.6842% | 1,622 |
| Total domestic deposits to total assets | 82.7795% | 3,850 |
| Equity capital to assets | 9.2904% | 3,327 |
| Core capital (leverage) ratio | 9.5112% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6658% | 1,988 |
| Memoranda: | ||
| Average total assets | $464,301,200 | 1,797 |
| Average earning assets | $439,527,000 | 1,767 |
| Average equity | $43,095,600 | 1,974 |
| Average total loans | $313,296,600 | 1,651 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3495% | 886 |
| Cost of funding earning assets | 0.7071% | 371 |
| Net interest margin | 3.6424% | 1,486 |
| Noninterest income to average assets | 0.2929% | 3,695 |
| Noninterest expense to average assets | 1.4518% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2914% | 276 |
| Return on assets (ROA) | 2.3055% | 283 |
| Pretax return on assets | 2.3055% | 461 |
| Return on Equity (ROE) | 24.8449% | 184 |
| Retained earnings to average equity (ytd only) | 19.7977% | 139 |
| Net charge-offs to loans | -0.4696% | 4,839 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7848% | 4,751 |
| Assets per employee ($millions) | 11.8752% | 383 |
| Cash dividends to net income (ytd only)* | 20.3145% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 2,916 |
| Loan loss allowance to noncurrent loans | 5,202.7397% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 4,117 |
| Noncurrent loans to loans | 0.0234% | 4,030 |
| Net loans and leases to total assets | 63.4113% | 1,851 |
| Net loans and leases to deposits | 76.7665% | 1,597 |
| Net loans and leases to core deposits | 84.1457% | 1,416 |
| Total domestic deposits to total assets | 82.6028% | 3,801 |
| Equity capital to assets | 9.2864% | 3,572 |
| Core capital (leverage) ratio | 9.2166% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0139% | 2,359 |
| Memoranda: | ||
| Average total assets | $456,062,250 | 1,845 |
| Average earning assets | $432,012,500 | 1,816 |
| Average equity | $42,320,250 | 2,030 |
| Average total loans | $315,145,500 | 1,672 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 519 |
| Cost of funding earning assets | 0.7498% | 364 |
| Net interest margin | 3.9698% | 867 |
| Noninterest income to average assets | 0.2916% | 3,681 |
| Noninterest expense to average assets | 1.4765% | 4,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.5896% | 196 |
| Return on assets (ROA) | 2.5752% | 213 |
| Pretax return on assets | 2.5752% | 315 |
| Return on Equity (ROE) | 27.7592% | 131 |
| Retained earnings to average equity (ytd only) | 22.6813% | 99 |
| Net charge-offs to loans | -0.7114% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3125% | 4,834 |
| Assets per employee ($millions) | 11.9366% | 357 |
| Cash dividends to net income (ytd only)* | 18.2927% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 3,014 |
| Loan loss allowance to noncurrent loans | 3,813.0000% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 4,137 |
| Noncurrent loans to loans | 0.0311% | 4,048 |
| Net loans and leases to total assets | 66.5201% | 1,630 |
| Net loans and leases to deposits | 80.5503% | 1,373 |
| Net loans and leases to core deposits | 89.0884% | 1,201 |
| Total domestic deposits to total assets | 82.5821% | 3,795 |
| Equity capital to assets | 9.1442% | 3,661 |
| Core capital (leverage) ratio | 8.9046% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5189% | 2,539 |
| Memoranda: | ||
| Average total assets | $445,789,000 | 1,860 |
| Average earning assets | $423,845,667 | 1,832 |
| Average equity | $41,355,667 | 2,052 |
| Average total loans | $316,015,333 | 1,675 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1885% | 276 |
| Cost of funding earning assets | 0.8004% | 345 |
| Net interest margin | 4.3881% | 438 |
| Noninterest income to average assets | 0.2986% | 3,619 |
| Noninterest expense to average assets | 1.5090% | 4,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.9361% | 162 |
| Return on assets (ROA) | 2.9287% | 180 |
| Pretax return on assets | 2.9287% | 248 |
| Return on Equity (ROE) | 31.3207% | 118 |
| Retained earnings to average equity (ytd only) | 26.3460% | 111 |
| Net charge-offs to loans | -1.4350% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.9473% | 4,874 |
| Assets per employee ($millions) | 12.0781% | 342 |
| Cash dividends to net income (ytd only)* | 15.8831% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 3,139 |
| 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 | 70.7118% | 1,194 |
| Net loans and leases to deposits | 85.7579% | 976 |
| Net loans and leases to core deposits | 95.7368% | 897 |
| Total domestic deposits to total assets | 82.4552% | 3,805 |
| Equity capital to assets | 8.9455% | 3,736 |
| Core capital (leverage) ratio | 9.4542% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8266% | 1,955 |
| Memoranda: | ||
| Average total assets | $429,952,000 | 1,898 |
| Average earning assets | $406,282,000 | 1,881 |
| Average equity | $40,203,500 | 2,078 |
| Average total loans | $313,312,000 | 1,692 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9105% | 587 |
| Cost of funding earning assets | 1.1493% | 338 |
| Net interest margin | 3.7612% | 1,612 |
| Noninterest income to average assets | 0.2756% | 3,829 |
| Noninterest expense to average assets | 1.6606% | 4,652 |
| Loan and lease loss provision to assets | 0.2124% | 1,850 |
| Net operating income to assets | 1.9436% | 293 |
| Return on assets (ROA) | 2.0092% | 275 |
| Pretax return on assets | 2.0092% | 447 |
| Return on Equity (ROE) | 20.8502% | 196 |
| Retained earnings to average equity (ytd only) | 15.3284% | 143 |
| Net charge-offs to loans | 0.0580% | 1,950 |
| Credit loss provision to net charge-offs | 476.1905% | 1,298 |
| Earnings coverage of net charge-offs (x) | 48.3333% | 1,232 |
| Efficiency ratio | 43.5091% | 4,800 |
| Assets per employee ($millions) | 9.7790% | 568 |
| Cash dividends to net income (ytd only)* | 26.4834% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 4,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 73.7218% | 1,063 |
| Net loans and leases to deposits | 91.7465% | 796 |
| Net loans and leases to core deposits | 105.7051% | 658 |
| Total domestic deposits to total assets | 80.3538% | 3,991 |
| Equity capital to assets | 9.8145% | 3,303 |
| Core capital (leverage) ratio | 9.7385% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,614,400 | 1,933 |
| Average earning assets | $354,568,000 | 1,916 |
| Average equity | $36,292,200 | 2,162 |
| Average total loans | $289,887,400 | 1,726 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2135% | 401 |
| Cost of funding earning assets | 1.2293% | 329 |
| Net interest margin | 3.9842% | 1,149 |
| Noninterest income to average assets | 0.2580% | 3,938 |
| Noninterest expense to average assets | 1.6153% | 4,717 |
| Loan and lease loss provision to assets | 0.2556% | 1,591 |
| Net operating income to assets | 2.1356% | 228 |
| Return on assets (ROA) | 2.2277% | 211 |
| Pretax return on assets | 2.2277% | 323 |
| Return on Equity (ROE) | 23.2338% | 145 |
| Retained earnings to average equity (ytd only) | 19.4735% | 86 |
| Net charge-offs to loans | 0.0778% | 1,534 |
| Credit loss provision to net charge-offs | 422.6190% | 1,418 |
| Earnings coverage of net charge-offs (x) | 39.5536% | 1,367 |
| Efficiency ratio | 40.3179% | 4,884 |
| Assets per employee ($millions) | 10.0367% | 502 |
| Cash dividends to net income (ytd only)* | 16.1848% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 4,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 80.2982% | 586 |
| Net loans and leases to deposits | 101.3369% | 479 |
| Net loans and leases to core deposits | 115.9654% | 504 |
| Total domestic deposits to total assets | 79.2388% | 4,017 |
| Equity capital to assets | 9.6945% | 3,520 |
| Core capital (leverage) ratio | 9.5398% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,533,750 | 1,937 |
| Average earning assets | $348,599,750 | 1,927 |
| Average equity | $35,527,750 | 2,188 |
| Average total loans | $287,792,500 | 1,731 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7099% | 226 |
| Cost of funding earning assets | 1.3177% | 337 |
| Net interest margin | 4.3923% | 632 |
| Noninterest income to average assets | 0.2315% | 4,098 |
| Noninterest expense to average assets | 1.7739% | 4,595 |
| Loan and lease loss provision to assets | 0.3609% | 1,168 |
| Net operating income to assets | 2.2220% | 217 |
| Return on assets (ROA) | 2.3646% | 185 |
| Pretax return on assets | 2.3646% | 274 |
| Return on Equity (ROE) | 24.7638% | 117 |
| Retained earnings to average equity (ytd only) | 21.8449% | 69 |
| Net charge-offs to loans | -0.0015% | 3,783 |
| Credit loss provision to net charge-offs | -32,500.0000% | 4,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7162% | 4,898 |
| Assets per employee ($millions) | 10.2097% | 470 |
| Cash dividends to net income (ytd only)* | 11.7868% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8367% | 4,236 |
| Loan loss allowance to noncurrent loans | 1,119.0083% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 4,234 |
| Noncurrent loans to loans | 0.0748% | 4,162 |
| Net loans and leases to total assets | 78.5862% | 775 |
| Net loans and leases to deposits | 96.7266% | 745 |
| Net loans and leases to core deposits | 110.0388% | 741 |
| Total domestic deposits to total assets | 81.2457% | 3,551 |
| Equity capital to assets | 9.0928% | 4,006 |
| Core capital (leverage) ratio | 9.4792% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9500% | 2,201 |
| Memoranda: | ||
| Average total assets | $360,223,000 | 1,959 |
| Average earning assets | $338,322,000 | 1,951 |
| Average equity | $34,397,000 | 2,242 |
| Average total loans | $275,400,333 | 1,766 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6941% | 1,729 |
| Cost of funding earning assets | 1.4583% | 311 |
| Net interest margin | 3.2358% | 3,764 |
| Noninterest income to average assets | 0.2666% | 3,942 |
| Noninterest expense to average assets | 1.7076% | 4,772 |
| Loan and lease loss provision to assets | 0.1071% | 2,341 |
| Net operating income to assets | 1.4672% | 840 |
| Return on assets (ROA) | 1.7743% | 480 |
| Pretax return on assets | 1.7743% | 741 |
| Return on Equity (ROE) | 18.0571% | 262 |
| Retained earnings to average equity (ytd only) | 11.9775% | 431 |
| Net charge-offs to loans | -0.0016% | 3,631 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0305% | 4,548 |
| Assets per employee ($millions) | 8.9293% | 542 |
| Cash dividends to net income (ytd only)* | 33.6687% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 4,348 |
| Loan loss allowance to noncurrent loans | 887.6033% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 4,245 |
| Noncurrent loans to loans | 0.0928% | 4,135 |
| Net loans and leases to total assets | 76.1843% | 1,271 |
| Net loans and leases to deposits | 97.0768% | 814 |
| Net loans and leases to core deposits | 112.7637% | 723 |
| Total domestic deposits to total assets | 78.4783% | 4,138 |
| Equity capital to assets | 9.9619% | 3,823 |
| Core capital (leverage) ratio | 9.8995% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1580% | 2,215 |
| Memoranda: | ||
| Average total assets | $336,141,000 | 2,013 |
| Average earning assets | $313,244,500 | 2,008 |
| Average equity | $33,028,500 | 2,302 |
| Average total loans | $251,278,500 | 1,849 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9790% | 1,533 |
| Cost of funding earning assets | 1.5438% | 348 |
| Net interest margin | 3.4352% | 3,636 |
| Noninterest income to average assets | 0.4221% | 3,166 |
| Noninterest expense to average assets | 1.7016% | 4,866 |
| Loan and lease loss provision to assets | 0.2985% | 562 |
| Net operating income to assets | 1.6111% | 817 |
| Return on assets (ROA) | 1.6390% | 802 |
| Pretax return on assets | 1.6390% | 1,372 |
| Return on Equity (ROE) | 17.0821% | 408 |
| Retained earnings to average equity (ytd only) | 11.2832% | 301 |
| Net charge-offs to loans | 0.1668% | 1,211 |
| Credit loss provision to net charge-offs | 244.1558% | 1,111 |
| Earnings coverage of net charge-offs (x) | 15.6182% | 2,219 |
| Efficiency ratio | 47.1199% | 4,869 |
| Assets per employee ($millions) | 8.9991% | 502 |
| Cash dividends to net income (ytd only)* | 33.9469% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 4,153 |
| Loan loss allowance to noncurrent loans | 850.0000% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 4,270 |
| Noncurrent loans to loans | 0.1000% | 4,127 |
| Net loans and leases to total assets | 72.0333% | 2,086 |
| Net loans and leases to deposits | 91.7197% | 1,402 |
| Net loans and leases to core deposits | 111.3149% | 784 |
| Total domestic deposits to total assets | 78.5364% | 4,272 |
| Equity capital to assets | 9.6871% | 4,191 |
| Core capital (leverage) ratio | 9.8967% | 3,621 |
| Tier 1 risk-based capital ratio | 14.0207% | 3,265 |
| Total risk-based capital ratio | 14.9076% | 3,342 |
| Memoranda: | ||
| Average total assets | $314,884,800 | 2,072 |
| Average earning assets | $292,328,200 | 2,077 |
| Average equity | $30,213,000 | 2,380 |
| Average total loans | $230,865,000 | 1,951 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9868% | 1,574 |
| Cost of funding earning assets | 1.5367% | 370 |
| Net interest margin | 3.4501% | 3,730 |
| Noninterest income to average assets | 0.4305% | 3,141 |
| Noninterest expense to average assets | 1.7008% | 4,921 |
| Loan and lease loss provision to assets | 0.1504% | 1,260 |
| Net operating income to assets | 1.7901% | 627 |
| Return on assets (ROA) | 1.8120% | 636 |
| Pretax return on assets | 1.8120% | 1,063 |
| Return on Equity (ROE) | 18.9340% | 319 |
| Retained earnings to average equity (ytd only) | 13.3139% | 251 |
| Net charge-offs to loans | -0.0830% | 4,957 |
| Credit loss provision to net charge-offs | -246.4789% | 4,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7084% | 4,908 |
| Assets per employee ($millions) | 9.1953% | 446 |
| Cash dividends to net income (ytd only)* | 29.6823% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 4,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 74.1575% | 1,781 |
| Net loans and leases to deposits | 95.2663% | 1,101 |
| Net loans and leases to core deposits | 116.0738% | 653 |
| Total domestic deposits to total assets | 77.8423% | 4,373 |
| Equity capital to assets | 9.9545% | 4,064 |
| Core capital (leverage) ratio | 10.1226% | 3,505 |
| Tier 1 risk-based capital ratio | 14.2168% | 3,213 |
| Total risk-based capital ratio | 15.1012% | 3,310 |
| Memoranda: | ||
| Average total assets | $310,364,000 | 2,113 |
| Average earning assets | $288,832,500 | 2,104 |
| Average equity | $29,702,500 | 2,427 |
| Average total loans | $228,105,000 | 1,983 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9942% | 1,501 |
| Cost of funding earning assets | 1.5709% | 303 |
| Net interest margin | 3.4233% | 3,822 |
| Noninterest income to average assets | 0.4052% | 3,242 |
| Noninterest expense to average assets | 1.7316% | 4,948 |
| Loan and lease loss provision to assets | 0.1174% | 1,594 |
| Net operating income to assets | 1.7381% | 673 |
| Return on assets (ROA) | 1.7603% | 675 |
| Pretax return on assets | 1.7603% | 1,148 |
| Return on Equity (ROE) | 18.6556% | 344 |
| Retained earnings to average equity (ytd only) | 13.4696% | 259 |
| Net charge-offs to loans | -0.0036% | 4,057 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2721% | 4,888 |
| Assets per employee ($millions) | 8.8984% | 487 |
| Cash dividends to net income (ytd only)* | 27.7984% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 4,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 4,336 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 71.8086% | 2,236 |
| Net loans and leases to deposits | 92.6215% | 1,423 |
| Net loans and leases to core deposits | 123.1786% | 450 |
| Total domestic deposits to total assets | 77.5291% | 4,479 |
| Equity capital to assets | 9.8644% | 4,088 |
| Core capital (leverage) ratio | 9.9330% | 3,659 |
| Tier 1 risk-based capital ratio | 14.5489% | 3,042 |
| Total risk-based capital ratio | 15.3394% | 3,194 |
| Memoranda: | ||
| Average total assets | $306,540,670 | 2,144 |
| Average earning assets | $284,932,330 | 2,136 |
| Average equity | $28,924,330 | 2,454 |
| Average total loans | $223,920,670 | 2,023 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0352% | 1,249 |
| Cost of funding earning assets | 1.5858% | 241 |
| Net interest margin | 3.4494% | 3,751 |
| Noninterest income to average assets | 0.3775% | 3,337 |
| Noninterest expense to average assets | 1.7811% | 4,939 |
| Loan and lease loss provision to assets | 0.1184% | 1,483 |
| Net operating income to assets | 1.6798% | 762 |
| Return on assets (ROA) | 1.6850% | 781 |
| Pretax return on assets | 1.6850% | 1,249 |
| Return on Equity (ROE) | 18.2833% | 374 |
| Retained earnings to average equity (ytd only) | 14.7152% | 297 |
| Net charge-offs to loans | -0.0018% | 3,847 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7611% | 4,851 |
| Assets per employee ($millions) | 8.8438% | 509 |
| Cash dividends to net income (ytd only)* | 19.5160% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7061% | 4,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 4,377 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 72.3691% | 2,096 |
| Net loans and leases to deposits | 91.9731% | 1,403 |
| Net loans and leases to core deposits | 125.3537% | 395 |
| Total domestic deposits to total assets | 78.6851% | 4,404 |
| Equity capital to assets | 9.3508% | 4,385 |
| Core capital (leverage) ratio | 9.4726% | 4,164 |
| Tier 1 risk-based capital ratio | 14.0425% | 3,322 |
| Total risk-based capital ratio | 14.7871% | 3,500 |
| Memoranda: | ||
| Average total assets | $304,089,500 | 2,179 |
| Average earning assets | $282,253,000 | 2,162 |
| Average equity | $28,025,500 | 2,517 |
| Average total loans | $223,216,500 | 2,042 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9595% | 1,131 |
| Cost of funding earning assets | 1.2693% | 251 |
| Net interest margin | 3.6903% | 3,070 |
| Noninterest income to average assets | 0.4237% | 3,284 |
| Noninterest expense to average assets | 2.0006% | 4,748 |
| Loan and lease loss provision to assets | 0.1480% | 1,439 |
| Net operating income to assets | 1.7364% | 632 |
| Return on assets (ROA) | 1.7364% | 633 |
| Pretax return on assets | 1.7364% | 1,077 |
| Return on Equity (ROE) | 18.2598% | 365 |
| Retained earnings to average equity (ytd only) | 10.0873% | 605 |
| Net charge-offs to loans | 0.2173% | 886 |
| Credit loss provision to net charge-offs | 94.7867% | 2,645 |
| Earnings coverage of net charge-offs (x) | 12.0664% | 2,567 |
| Efficiency ratio | 51.4955% | 4,840 |
| Assets per employee ($millions) | 8.5327% | 548 |
| Cash dividends to net income (ytd only)* | 44.7570% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6802% | 4,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 4,369 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 73.4420% | 2,020 |
| Net loans and leases to deposits | 90.4980% | 1,732 |
| Net loans and leases to core deposits | 118.4593% | 602 |
| Total domestic deposits to total assets | 81.1532% | 3,858 |
| Equity capital to assets | 9.0767% | 4,515 |
| Core capital (leverage) ratio | 9.7996% | 3,796 |
| Tier 1 risk-based capital ratio | 13.4204% | 3,595 |
| Total risk-based capital ratio | 14.1153% | 3,822 |
| Memoranda: | ||
| Average total assets | $270,215,000 | 2,331 |
| Average earning assets | $253,450,600 | 2,314 |
| Average equity | $25,695,800 | 2,589 |
| Average total loans | $194,187,200 | 2,218 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9631% | 1,013 |
| Cost of funding earning assets | 1.1844% | 277 |
| Net interest margin | 3.7787% | 2,717 |
| Noninterest income to average assets | 0.4414% | 3,226 |
| Noninterest expense to average assets | 2.0559% | 4,642 |
| Loan and lease loss provision to assets | 0.0507% | 2,975 |
| Net operating income to assets | 1.8512% | 549 |
| Return on assets (ROA) | 1.8512% | 545 |
| Pretax return on assets | 1.8512% | 901 |
| Return on Equity (ROE) | 19.2185% | 321 |
| Retained earnings to average equity (ytd only) | 10.8009% | 696 |
| Net charge-offs to loans | 0.1763% | 944 |
| Credit loss provision to net charge-offs | 40.3226% | 2,903 |
| Earnings coverage of net charge-offs (x) | 15.1330% | 2,249 |
| Efficiency ratio | 51.9462% | 4,818 |
| Assets per employee ($millions) | 8.4121% | 546 |
| Cash dividends to net income (ytd only)* | 43.7997% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6883% | 4,893 |
| Loan loss allowance to noncurrent loans | 96.6994% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5747% | 2,462 |
| Noncurrent loans to loans | 0.7118% | 2,300 |
| Net loans and leases to total assets | 67.4787% | 3,013 |
| Net loans and leases to deposits | 81.3456% | 2,887 |
| Net loans and leases to core deposits | 108.0585% | 1,166 |
| Total domestic deposits to total assets | 82.9530% | 3,321 |
| Equity capital to assets | 8.8115% | 4,712 |
| Core capital (leverage) ratio | 10.1534% | 3,466 |
| Tier 1 risk-based capital ratio | 14.1392% | 3,300 |
| Total risk-based capital ratio | 14.8231% | 3,495 |
| Memoranda: | ||
| Average total assets | $263,107,500 | 2,394 |
| Average earning assets | $244,841,000 | 2,390 |
| Average equity | $25,343,000 | 2,632 |
| Average total loans | $187,525,750 | 2,278 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9961% | 835 |
| Cost of funding earning assets | 1.0777% | 320 |
| Net interest margin | 3.9184% | 2,150 |
| Noninterest income to average assets | 0.4037% | 3,455 |
| Noninterest expense to average assets | 2.1190% | 4,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9195% | 444 |
| Return on assets (ROA) | 1.9195% | 442 |
| Pretax return on assets | 1.9195% | 739 |
| Return on Equity (ROE) | 19.2897% | 311 |
| Retained earnings to average equity (ytd only) | 10.5397% | 778 |
| Net charge-offs to loans | -0.0087% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4696% | 4,841 |
| Assets per employee ($millions) | 7.8399% | 666 |
| Cash dividends to net income (ytd only)* | 45.3608% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 4,823 |
| Loan loss allowance to noncurrent loans | 91.0820% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.2930% | 1,096 |
| Noncurrent loans to loans | 0.8261% | 2,072 |
| Net loans and leases to total assets | 73.6467% | 2,002 |
| Net loans and leases to deposits | 95.3762% | 1,211 |
| Net loans and leases to core deposits | 111.5869% | 904 |
| Total domestic deposits to total assets | 77.2170% | 4,707 |
| Equity capital to assets | 9.2566% | 4,329 |
| Core capital (leverage) ratio | 10.8253% | 2,677 |
| Tier 1 risk-based capital ratio | 13.5021% | 3,616 |
| Total risk-based capital ratio | 14.2480% | 3,816 |
| Memoranda: | ||
| Average total assets | $252,669,330 | 2,482 |
| Average earning assets | $234,384,330 | 2,476 |
| Average equity | $25,143,000 | 2,656 |
| Average total loans | $183,351,330 | 2,324 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0229% | 668 |
| Cost of funding earning assets | 1.0367% | 312 |
| Net interest margin | 3.9862% | 1,770 |
| Noninterest income to average assets | 0.4003% | 3,470 |
| Noninterest expense to average assets | 2.1753% | 4,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9206% | 433 |
| Return on assets (ROA) | 1.9206% | 432 |
| Pretax return on assets | 1.9206% | 689 |
| Return on Equity (ROE) | 18.5652% | 355 |
| Retained earnings to average equity (ytd only) | 8.9708% | 1,466 |
| Net charge-offs to loans | -0.0046% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1099% | 4,873 |
| Assets per employee ($millions) | 6.9179% | 991 |
| Cash dividends to net income (ytd only)* | 51.6796% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 4,526 |
| Loan loss allowance to noncurrent loans | 77.2658% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.5864% | 857 |
| Noncurrent loans to loans | 1.1403% | 1,605 |
| Net loans and leases to total assets | 70.9013% | 2,345 |
| Net loans and leases to deposits | 92.1684% | 1,436 |
| Net loans and leases to core deposits | 101.7955% | 1,547 |
| Total domestic deposits to total assets | 76.9258% | 4,865 |
| Equity capital to assets | 10.2223% | 3,368 |
| Core capital (leverage) ratio | 10.9309% | 2,512 |
| Tier 1 risk-based capital ratio | 14.8777% | 2,934 |
| Total risk-based capital ratio | 15.7196% | 3,045 |
| Memoranda: | ||
| Average total assets | $241,805,000 | 2,573 |
| Average earning assets | $224,171,500 | 2,578 |
| Average equity | $25,014,500 | 2,686 |
| Average total loans | $173,218,500 | 2,435 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 900 |
| Cost of funding earning assets | 0.7925% | 648 |
| Net interest margin | 4.0520% | 1,581 |
| Noninterest income to average assets | 0.3989% | 3,641 |
| Noninterest expense to average assets | 1.9903% | 4,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.1775% | 199 |
| Return on assets (ROA) | 2.1964% | 196 |
| Pretax return on assets | 2.1964% | 318 |
| Return on Equity (ROE) | 21.9463% | 126 |
| Retained earnings to average equity (ytd only) | 15.9265% | 70 |
| Net charge-offs to loans | 0.3408% | 747 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 9.4934% | 2,779 |
| Efficiency ratio | 47.7543% | 5,331 |
| Assets per employee ($millions) | 7.3176% | 838 |
| Cash dividends to net income (ytd only)* | 27.4295% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 4,559 |
| Loan loss allowance to noncurrent loans | 65.9455% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.6188% | 817 |
| Noncurrent loans to loans | 1.3340% | 1,307 |
| Net loans and leases to total assets | 71.1088% | 2,361 |
| Net loans and leases to deposits | 96.4426% | 1,044 |
| Net loans and leases to core deposits | 104.8180% | 1,354 |
| Total domestic deposits to total assets | 73.7318% | 5,207 |
| Equity capital to assets | 10.4679% | 3,198 |
| Core capital (leverage) ratio | 11.1926% | 2,162 |
| Tier 1 risk-based capital ratio | 14.3481% | 3,174 |
| Total risk-based capital ratio | 15.1730% | 3,314 |
| Memoranda: | ||
| Average total assets | $232,375,000 | 2,625 |
| Average earning assets | $216,139,000 | 2,617 |
| Average equity | $23,256,800 | 2,830 |
| Average total loans | $156,380,400 | 2,585 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7386% | 1,058 |
| Cost of funding earning assets | 0.7764% | 663 |
| Net interest margin | 3.9623% | 1,826 |
| Noninterest income to average assets | 0.3946% | 3,724 |
| Noninterest expense to average assets | 1.9823% | 4,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.0970% | 265 |
| Return on assets (ROA) | 2.1202% | 260 |
| Pretax return on assets | 2.1202% | 432 |
| Return on Equity (ROE) | 21.4427% | 158 |
| Retained earnings to average equity (ytd only) | 13.2383% | 207 |
| Net charge-offs to loans | -0.0298% | 4,995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5938% | 5,315 |
| Assets per employee ($millions) | 6.6831% | 1,082 |
| Cash dividends to net income (ytd only)* | 38.2619% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 2,291 |
| Loan loss allowance to noncurrent loans | 69.6768% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 2.0240% | 634 |
| Noncurrent loans to loans | 1.8864% | 925 |
| Net loans and leases to total assets | 69.0926% | 2,680 |
| Net loans and leases to deposits | 82.0723% | 2,770 |
| Net loans and leases to core deposits | 91.7891% | 2,463 |
| Total domestic deposits to total assets | 84.1850% | 3,051 |
| Equity capital to assets | 10.6735% | 3,190 |
| Core capital (leverage) ratio | 10.5847% | 2,896 |
| Tier 1 risk-based capital ratio | 15.6422% | 2,655 |
| Total risk-based capital ratio | 16.8930% | 2,597 |
| Memoranda: | ||
| Average total assets | $230,098,250 | 2,664 |
| Average earning assets | $213,979,750 | 2,647 |
| Average equity | $22,751,500 | 2,905 |
| Average total loans | $152,165,750 | 2,650 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 903 |
| Cost of funding earning assets | 0.7444% | 706 |
| Net interest margin | 4.0324% | 1,508 |
| Noninterest income to average assets | 0.3800% | 3,830 |
| Noninterest expense to average assets | 1.9753% | 5,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.1510% | 235 |
| Return on assets (ROA) | 2.1510% | 242 |
| Pretax return on assets | 2.1510% | 397 |
| Return on Equity (ROE) | 22.3361% | 123 |
| Retained earnings to average equity (ytd only) | 14.2466% | 168 |
| Net charge-offs to loans | -0.0400% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8708% | 5,395 |
| Assets per employee ($millions) | 7.0758% | 897 |
| Cash dividends to net income (ytd only)* | 36.2173% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 2,237 |
| Loan loss allowance to noncurrent loans | 289.8611% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9927% | 1,767 |
| Noncurrent loans to loans | 0.4618% | 3,358 |
| Net loans and leases to total assets | 65.8737% | 3,126 |
| Net loans and leases to deposits | 77.9687% | 3,119 |
| Net loans and leases to core deposits | 86.1000% | 2,869 |
| Total domestic deposits to total assets | 84.4874% | 3,016 |
| Equity capital to assets | 10.0827% | 3,816 |
| Core capital (leverage) ratio | 10.1959% | 3,282 |
| Tier 1 risk-based capital ratio | 15.1732% | 2,854 |
| Total risk-based capital ratio | 16.4240% | 2,790 |
| Memoranda: | ||
| Average total assets | $231,055,330 | 2,670 |
| Average earning assets | $214,658,670 | 2,662 |
| Average equity | $22,251,000 | 2,947 |
| Average total loans | $149,858,330 | 2,678 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8502% | 681 |
| Cost of funding earning assets | 0.7085% | 809 |
| Net interest margin | 4.1418% | 1,117 |
| Noninterest income to average assets | 0.4299% | 3,448 |
| Noninterest expense to average assets | 2.0363% | 4,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.2294% | 216 |
| Return on assets (ROA) | 2.2294% | 221 |
| Pretax return on assets | 2.2294% | 338 |
| Return on Equity (ROE) | 23.7167% | 108 |
| Retained earnings to average equity (ytd only) | 23.7167% | 60 |
| Net charge-offs to loans | -0.4113% | 5,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7356% | 5,478 |
| Assets per employee ($millions) | 7.7020% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 1,757 |
| Loan loss allowance to noncurrent loans | 255.9676% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 1.1296% | 1,569 |
| Noncurrent loans to loans | 0.5793% | 3,071 |
| Net loans and leases to total assets | 63.5226% | 3,329 |
| Net loans and leases to deposits | 77.0474% | 3,073 |
| Net loans and leases to core deposits | 82.6879% | 3,019 |
| Total domestic deposits to total assets | 82.4462% | 4,042 |
| Equity capital to assets | 9.7091% | 4,057 |
| Core capital (leverage) ratio | 10.1409% | 3,326 |
| Tier 1 risk-based capital ratio | 15.5187% | 2,749 |
| Total risk-based capital ratio | 16.7711% | 2,676 |
| Memoranda: | ||
| Average total assets | $229,833,000 | 2,707 |
| Average earning assets | $212,855,500 | 2,699 |
| Average equity | $21,605,000 | 3,019 |
| Average total loans | $146,836,500 | 2,735 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7284% | 1,009 |
| Cost of funding earning assets | 0.6974% | 815 |
| Net interest margin | 4.0310% | 1,553 |
| Noninterest income to average assets | 0.3494% | 4,233 |
| Noninterest expense to average assets | 1.8374% | 5,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.1471% | 246 |
| Return on assets (ROA) | 2.2067% | 233 |
| Pretax return on assets | 2.2067% | 321 |
| Return on Equity (ROE) | 23.6081% | 104 |
| Retained earnings to average equity (ytd only) | 13.4655% | 151 |
| Net charge-offs to loans | -0.0531% | 5,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1138% | 5,638 |
| Assets per employee ($millions) | 7.8829% | 640 |
| Cash dividends to net income (ytd only)* | 42.9624% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 1,995 |
| Loan loss allowance to noncurrent loans | 381.8182% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 1,898 |
| Noncurrent loans to loans | 0.3725% | 3,787 |
| Net loans and leases to total assets | 62.3915% | 3,561 |
| Net loans and leases to deposits | 74.0166% | 3,514 |
| Net loans and leases to core deposits | 80.9588% | 3,317 |
| Total domestic deposits to total assets | 84.2939% | 3,321 |
| Equity capital to assets | 9.0882% | 4,721 |
| Core capital (leverage) ratio | 9.9329% | 3,587 |
| Tier 1 risk-based capital ratio | 14.8091% | 3,046 |
| Total risk-based capital ratio | 16.0604% | 2,994 |
| Memoranda: | ||
| Average total assets | $221,504,000 | 2,748 |
| Average earning assets | $199,751,400 | 2,793 |
| Average equity | $20,704,800 | 3,097 |
| Average total loans | $133,751,000 | 2,868 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 967 |
| Cost of funding earning assets | 0.6956% | 835 |
| Net interest margin | 4.0654% | 1,483 |
| Noninterest income to average assets | 0.3283% | 4,434 |
| Noninterest expense to average assets | 1.8277% | 5,485 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.1426% | 272 |
| Return on assets (ROA) | 2.2227% | 249 |
| Pretax return on assets | 2.2227% | 366 |
| Return on Equity (ROE) | 23.6084% | 108 |
| Retained earnings to average equity (ytd only) | 13.9408% | 176 |
| Net charge-offs to loans | -0.2208% | 5,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0339% | 5,666 |
| Assets per employee ($millions) | 8.3615% | 508 |
| Cash dividends to net income (ytd only)* | 40.9500% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 1,531 |
| Loan loss allowance to noncurrent loans | 276.4115% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 1,811 |
| Noncurrent loans to loans | 0.5726% | 3,284 |
| Net loans and leases to total assets | 60.6739% | 3,789 |
| Net loans and leases to deposits | 70.8805% | 3,901 |
| Net loans and leases to core deposits | 79.9591% | 3,448 |
| Total domestic deposits to total assets | 85.6003% | 2,557 |
| Equity capital to assets | 9.8892% | 4,257 |
| Core capital (leverage) ratio | 9.9286% | 3,661 |
| Tier 1 risk-based capital ratio | 14.8957% | 3,100 |
| Total risk-based capital ratio | 16.1487% | 3,026 |
| Memoranda: | ||
| Average total assets | $219,728,750 | 2,770 |
| Average earning assets | $196,843,750 | 2,832 |
| Average equity | $20,687,000 | 3,124 |
| Average total loans | $131,016,750 | 2,916 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5277% | 1,441 |
| Cost of funding earning assets | 0.6932% | 834 |
| Net interest margin | 3.8344% | 2,194 |
| Noninterest income to average assets | 0.3050% | 4,606 |
| Noninterest expense to average assets | 1.8602% | 5,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8694% | 420 |
| Return on assets (ROA) | 1.8988% | 413 |
| Pretax return on assets | 1.8988% | 700 |
| Return on Equity (ROE) | 20.5256% | 217 |
| Retained earnings to average equity (ytd only) | 8.6094% | 970 |
| Net charge-offs to loans | -0.0078% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8768% | 5,569 |
| Assets per employee ($millions) | 8.0313% | 554 |
| Cash dividends to net income (ytd only)* | 58.0552% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 1,916 |
| Loan loss allowance to noncurrent loans | 291.5081% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1128% | 1,899 |
| Noncurrent loans to loans | 0.5096% | 3,556 |
| Net loans and leases to total assets | 60.8926% | 3,762 |
| Net loans and leases to deposits | 71.1073% | 3,874 |
| Net loans and leases to core deposits | 78.5829% | 3,596 |
| Total domestic deposits to total assets | 85.6348% | 2,593 |
| Equity capital to assets | 9.6627% | 4,601 |
| Core capital (leverage) ratio | 9.2886% | 4,470 |
| Tier 1 risk-based capital ratio | 14.2249% | 3,482 |
| Total risk-based capital ratio | 15.4766% | 3,399 |
| Memoranda: | ||
| Average total assets | $217,718,000 | 2,793 |
| Average earning assets | $194,448,330 | 2,875 |
| Average equity | $20,140,670 | 3,186 |
| Average total loans | $128,295,330 | 2,965 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 1,520 |
| Cost of funding earning assets | 0.6815% | 886 |
| Net interest margin | 3.8137% | 2,241 |
| Noninterest income to average assets | 0.2530% | 4,938 |
| Noninterest expense to average assets | 1.8336% | 5,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7951% | 472 |
| Return on assets (ROA) | 1.8207% | 484 |
| Pretax return on assets | 1.8207% | 819 |
| Return on Equity (ROE) | 20.1272% | 237 |
| Retained earnings to average equity (ytd only) | 20.1272% | 91 |
| Net charge-offs to loans | -0.0064% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5306% | 5,595 |
| Assets per employee ($millions) | 7.6936% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 1,689 |
| Loan loss allowance to noncurrent loans | 284.4063% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 1.1299% | 1,956 |
| Noncurrent loans to loans | 0.5547% | 3,522 |
| Net loans and leases to total assets | 57.5701% | 4,091 |
| Net loans and leases to deposits | 67.1449% | 4,144 |
| Net loans and leases to core deposits | 75.1146% | 3,777 |
| Total domestic deposits to total assets | 85.7400% | 2,790 |
| Equity capital to assets | 9.5492% | 4,621 |
| Core capital (leverage) ratio | 9.8502% | 3,718 |
| Tier 1 risk-based capital ratio | 15.0297% | 3,143 |
| Total risk-based capital ratio | 16.2818% | 3,077 |
| Memoranda: | ||
| Average total assets | $218,155,000 | 2,801 |
| Average earning assets | $193,095,000 | 2,899 |
| Average equity | $19,734,500 | 3,228 |
| Average total loans | $125,426,500 | 3,005 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6414% | 1,236 |
| Cost of funding earning assets | 0.6968% | 833 |
| Net interest margin | 3.9446% | 1,895 |
| Noninterest income to average assets | 0.2173% | 5,291 |
| Noninterest expense to average assets | 1.9864% | 5,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7521% | 526 |
| Return on assets (ROA) | 1.7569% | 539 |
| Pretax return on assets | 1.7569% | 880 |
| Return on Equity (ROE) | 18.8719% | 319 |
| Retained earnings to average equity (ytd only) | 14.6101% | 145 |
| Net charge-offs to loans | -0.0147% | 5,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1339% | 5,577 |
| Assets per employee ($millions) | 7.8889% | 586 |
| Cash dividends to net income (ytd only)* | 22.5826% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 1,642 |
| Loan loss allowance to noncurrent loans | 277.7622% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 1.1092% | 1,975 |
| Noncurrent loans to loans | 0.5727% | 3,454 |
| Net loans and leases to total assets | 55.6211% | 4,327 |
| Net loans and leases to deposits | 64.0315% | 4,466 |
| Net loans and leases to core deposits | 71.0927% | 4,204 |
| Total domestic deposits to total assets | 86.8653% | 2,210 |
| Equity capital to assets | 8.5554% | 5,512 |
| Core capital (leverage) ratio | 9.7293% | 3,866 |
| Tier 1 risk-based capital ratio | 14.2523% | 3,580 |
| Total risk-based capital ratio | 15.5043% | 3,489 |
| Memoranda: | ||
| Average total assets | $187,779,200 | 3,080 |
| Average earning assets | $167,621,000 | 3,150 |
| Average equity | $17,481,000 | 3,461 |
| Average total loans | $109,127,400 | 3,216 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 1,037 |
| Cost of funding earning assets | 0.7098% | 798 |
| Net interest margin | 4.0282% | 1,612 |
| Noninterest income to average assets | 0.1961% | 5,474 |
| Noninterest expense to average assets | 2.0612% | 5,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7515% | 571 |
| Return on assets (ROA) | 1.7589% | 584 |
| Pretax return on assets | 1.7589% | 977 |
| Return on Equity (ROE) | 18.4346% | 374 |
| Retained earnings to average equity (ytd only) | 12.7906% | 296 |
| Net charge-offs to loans | -0.0165% | 5,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0620% | 5,506 |
| Assets per employee ($millions) | 7.5004% | 688 |
| Cash dividends to net income (ytd only)* | 30.6165% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 1,563 |
| Loan loss allowance to noncurrent loans | 203.5934% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3892% | 1,656 |
| Noncurrent loans to loans | 0.8188% | 2,920 |
| Net loans and leases to total assets | 59.9823% | 3,885 |
| Net loans and leases to deposits | 70.1363% | 3,969 |
| Net loans and leases to core deposits | 81.4540% | 3,313 |
| Total domestic deposits to total assets | 85.5224% | 2,771 |
| Equity capital to assets | 9.2302% | 5,080 |
| Core capital (leverage) ratio | 10.1246% | 3,467 |
| Tier 1 risk-based capital ratio | 14.3122% | 3,671 |
| Total risk-based capital ratio | 15.5656% | 3,590 |
| Memoranda: | ||
| Average total assets | $179,501,750 | 3,198 |
| Average earning assets | $161,160,750 | 3,267 |
| Average equity | $17,126,750 | 3,538 |
| Average total loans | $105,197,500 | 3,319 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 973 |
| Cost of funding earning assets | 0.7224% | 749 |
| Net interest margin | 4.0366% | 1,528 |
| Noninterest income to average assets | 0.0023% | 6,256 |
| Noninterest expense to average assets | 2.1499% | 5,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4742% | 942 |
| Return on assets (ROA) | 1.4857% | 969 |
| Pretax return on assets | 1.4857% | 1,687 |
| Return on Equity (ROE) | 15.3840% | 680 |
| Retained earnings to average equity (ytd only) | 6.7713% | 1,802 |
| Net charge-offs to loans | -0.0199% | 5,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3226% | 5,073 |
| Assets per employee ($millions) | 7.0143% | 825 |
| Cash dividends to net income (ytd only)* | 55.9846% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8239% | 1,326 |
| Loan loss allowance to noncurrent loans | 197.0149% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 2.3342% | 854 |
| Noncurrent loans to loans | 0.9258% | 2,820 |
| Net loans and leases to total assets | 58.4390% | 4,047 |
| Net loans and leases to deposits | 68.4190% | 4,097 |
| Net loans and leases to core deposits | 78.9998% | 3,484 |
| Total domestic deposits to total assets | 85.4134% | 2,963 |
| Equity capital to assets | 8.9832% | 5,246 |
| Core capital (leverage) ratio | 10.1255% | 3,432 |
| Tier 1 risk-based capital ratio | 14.5606% | 3,601 |
| Total risk-based capital ratio | 15.8151% | 3,526 |
| Memoranda: | ||
| Average total assets | $174,332,000 | 3,290 |
| Average earning assets | $156,418,330 | 3,354 |
| Average equity | $16,835,670 | 3,595 |
| Average total loans | $100,611,670 | 3,432 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6501% | 1,125 |
| Cost of funding earning assets | 0.7381% | 703 |
| Net interest margin | 3.9120% | 1,853 |
| Noninterest income to average assets | 0.1691% | 5,707 |
| Noninterest expense to average assets | 2.2030% | 5,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4515% | 937 |
| Return on assets (ROA) | 1.4632% | 976 |
| Pretax return on assets | 1.4632% | 1,681 |
| Return on Equity (ROE) | 14.6056% | 769 |
| Retained earnings to average equity (ytd only) | 14.6056% | 317 |
| Net charge-offs to loans | -0.0290% | 5,229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2828% | 5,057 |
| Assets per employee ($millions) | 7.2640% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 1,186 |
| Loan loss allowance to noncurrent loans | 191.7556% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 3.8374% | 402 |
| Noncurrent loans to loans | 1.0168% | 2,730 |
| Net loans and leases to total assets | 57.0281% | 4,085 |
| Net loans and leases to deposits | 63.4079% | 4,439 |
| Net loans and leases to core deposits | 73.5352% | 3,823 |
| Total domestic deposits to total assets | 89.9385% | 771 |
| Equity capital to assets | 9.9652% | 4,189 |
| Core capital (leverage) ratio | 10.2253% | 3,312 |
| Tier 1 risk-based capital ratio | 15.0561% | 3,400 |
| Total risk-based capital ratio | 16.3114% | 3,321 |
| Memoranda: | ||
| Average total assets | $170,311,500 | 3,359 |
| Average earning assets | $151,739,000 | 3,436 |
| Average equity | $17,062,000 | 3,581 |
| Average total loans | $96,639,000 | 3,510 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8523% | 1,009 |
| Cost of funding earning assets | 0.7276% | 966 |
| Net interest margin | 4.1248% | 1,503 |
| Noninterest income to average assets | 0.0933% | 6,177 |
| Noninterest expense to average assets | 2.2121% | 5,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6074% | 702 |
| Return on assets (ROA) | 1.5987% | 742 |
| Pretax return on assets | 1.5987% | 1,239 |
| Return on Equity (ROE) | 16.6910% | 526 |
| Retained earnings to average equity (ytd only) | 13.9500% | 180 |
| Net charge-offs to loans | -0.0284% | 5,778 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9169% | 5,466 |
| Assets per employee ($millions) | 7.2298% | 745 |
| Cash dividends to net income (ytd only)* | 16.4219% | 3,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1441% | 890 |
| Loan loss allowance to noncurrent loans | 168.2323% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 3.8813% | 442 |
| Noncurrent loans to loans | 1.2745% | 2,325 |
| Net loans and leases to total assets | 54.0695% | 4,571 |
| Net loans and leases to deposits | 60.1860% | 4,888 |
| Net loans and leases to core deposits | 66.4165% | 4,641 |
| Total domestic deposits to total assets | 89.8374% | 806 |
| Equity capital to assets | 10.0736% | 4,015 |
| Core capital (leverage) ratio | 10.6507% | 2,778 |
| Tier 1 risk-based capital ratio | 15.1639% | 3,405 |
| Total risk-based capital ratio | 16.4200% | 3,348 |
| Memoranda: | ||
| Average total assets | $161,880,200 | 3,464 |
| Average earning assets | $146,239,000 | 3,506 |
| Average equity | $15,505,400 | 3,747 |
| Average total loans | $91,532,200 | 3,602 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9026% | 924 |
| Cost of funding earning assets | 0.7300% | 993 |
| Net interest margin | 4.1726% | 1,370 |
| Noninterest income to average assets | 0.1327% | 6,109 |
| Noninterest expense to average assets | 2.1785% | 5,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7415% | 571 |
| Return on assets (ROA) | 1.7514% | 577 |
| Pretax return on assets | 1.7514% | 976 |
| Return on Equity (ROE) | 18.5332% | 394 |
| Retained earnings to average equity (ytd only) | 14.8037% | 215 |
| Net charge-offs to loans | -0.0102% | 5,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5744% | 5,696 |
| Assets per employee ($millions) | 6.6133% | 960 |
| Cash dividends to net income (ytd only)* | 20.1230% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1595% | 1,007 |
| Loan loss allowance to noncurrent loans | 101.6146% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 5.4159% | 291 |
| Noncurrent loans to loans | 2.1252% | 1,466 |
| Net loans and leases to total assets | 55.6928% | 4,373 |
| Net loans and leases to deposits | 62.1616% | 4,725 |
| Net loans and leases to core deposits | 65.1295% | 4,787 |
| Total domestic deposits to total assets | 89.5936% | 935 |
| Equity capital to assets | 10.2225% | 3,903 |
| Core capital (leverage) ratio | 10.4616% | 3,087 |
| Tier 1 risk-based capital ratio | 14.7750% | 3,715 |
| Total risk-based capital ratio | 16.0311% | 3,656 |
| Memoranda: | ||
| Average total assets | $160,778,750 | 3,511 |
| Average earning assets | $145,933,000 | 3,541 |
| Average equity | $15,194,000 | 3,819 |
| Average total loans | $91,445,250 | 3,631 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7622% | 1,153 |
| Cost of funding earning assets | 0.7344% | 995 |
| Net interest margin | 4.0278% | 1,732 |
| Noninterest income to average assets | 0.1214% | 6,193 |
| Noninterest expense to average assets | 2.1367% | 5,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6598% | 628 |
| Return on assets (ROA) | 1.6747% | 645 |
| Pretax return on assets | 1.6747% | 1,077 |
| Return on Equity (ROE) | 18.2083% | 444 |
| Retained earnings to average equity (ytd only) | 12.4846% | 378 |
| Net charge-offs to loans | -0.0087% | 5,294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2806% | 5,715 |
| Assets per employee ($millions) | 7.8065% | 546 |
| Cash dividends to net income (ytd only)* | 31.4349% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9985% | 1,362 |
| Loan loss allowance to noncurrent loans | 47.6284% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 5.7718% | 277 |
| Noncurrent loans to loans | 4.1960% | 555 |
| Net loans and leases to total assets | 58.2703% | 3,956 |
| Net loans and leases to deposits | 68.0763% | 4,042 |
| Net loans and leases to core deposits | 71.2849% | 4,123 |
| Total domestic deposits to total assets | 85.5956% | 3,246 |
| Equity capital to assets | 9.3659% | 4,886 |
| Core capital (leverage) ratio | 9.5786% | 4,208 |
| Tier 1 risk-based capital ratio | 13.4874% | 4,590 |
| Total risk-based capital ratio | 14.7423% | 4,530 |
| Memoranda: | ||
| Average total assets | $161,465,330 | 3,514 |
| Average earning assets | $147,325,330 | 3,530 |
| Average equity | $14,850,330 | 3,884 |
| Average total loans | $91,811,670 | 3,644 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6178% | 1,458 |
| Cost of funding earning assets | 0.7496% | 972 |
| Net interest margin | 3.8682% | 2,199 |
| Noninterest income to average assets | 0.1223% | 6,236 |
| Noninterest expense to average assets | 2.1319% | 5,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5328% | 762 |
| Return on assets (ROA) | 1.5328% | 798 |
| Pretax return on assets | 1.5328% | 1,333 |
| Return on Equity (ROE) | 16.8236% | 548 |
| Retained earnings to average equity (ytd only) | 16.8236% | 227 |
| Net charge-offs to loans | 0.0045% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 614.0000% | 54 |
| Efficiency ratio | 58.1744% | 5,627 |
| Assets per employee ($millions) | 7.5495% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0515% | 1,416 |
| Loan loss allowance to noncurrent loans | 37.2722% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 5.8035% | 305 |
| Noncurrent loans to loans | 5.5041% | 361 |
| Net loans and leases to total assets | 55.8550% | 4,160 |
| Net loans and leases to deposits | 63.1584% | 4,417 |
| Net loans and leases to core deposits | 65.9813% | 4,487 |
| Total domestic deposits to total assets | 88.4363% | 1,968 |
| Equity capital to assets | 9.0367% | 5,075 |
| Core capital (leverage) ratio | 9.6315% | 4,091 |
| Tier 1 risk-based capital ratio | 14.3544% | 4,096 |
| Total risk-based capital ratio | 15.6108% | 4,049 |
| Memoranda: | ||
| Average total assets | $160,230,000 | 3,560 |
| Average earning assets | $146,735,500 | 3,573 |
| Average equity | $14,598,500 | 3,932 |
| Average total loans | $88,980,500 | 3,726 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 2,718 |
| Cost of funding earning assets | 0.8091% | 1,167 |
| Net interest margin | 3.5548% | 3,658 |
| Noninterest income to average assets | 0.1378% | 6,250 |
| Noninterest expense to average assets | 2.2975% | 5,393 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0683% | 2,045 |
| Return on assets (ROA) | 1.1747% | 1,722 |
| Pretax return on assets | 1.1747% | 2,671 |
| Return on Equity (ROE) | 12.6115% | 1,252 |
| Retained earnings to average equity (ytd only) | 12.6115% | 268 |
| Net charge-offs to loans | 0.3164% | 2,107 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 6.5250% | 3,045 |
| Efficiency ratio | 68.2610% | 4,150 |
| Assets per employee ($millions) | 7.3510% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3352% | 1,003 |
| Loan loss allowance to noncurrent loans | 33.3963% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 6.7312% | 259 |
| Noncurrent loans to loans | 6.9923% | 242 |
| Net loans and leases to total assets | 52.6686% | 4,766 |
| Net loans and leases to deposits | 59.1202% | 5,023 |
| Net loans and leases to core deposits | 61.9802% | 5,058 |
| Total domestic deposits to total assets | 89.0873% | 1,566 |
| Equity capital to assets | 9.1908% | 4,815 |
| Core capital (leverage) ratio | 9.4396% | 4,354 |
| Tier 1 risk-based capital ratio | 14.8174% | 3,772 |
| Total risk-based capital ratio | 16.0755% | 3,714 |
| Memoranda: | ||
| Average total assets | $146,593,000 | 3,759 |
| Average earning assets | $133,114,200 | 3,773 |
| Average equity | $13,654,200 | 4,133 |
| Average total loans | $75,845,200 | 4,063 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2845% | 3,062 |
| Cost of funding earning assets | 0.8159% | 1,234 |
| Net interest margin | 3.4687% | 4,020 |
| Noninterest income to average assets | 0.1659% | 6,194 |
| Noninterest expense to average assets | 2.2952% | 5,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0176% | 2,305 |
| Return on assets (ROA) | 1.1494% | 1,893 |
| Pretax return on assets | 1.1494% | 2,897 |
| Return on Equity (ROE) | 12.2969% | 1,395 |
| Retained earnings to average equity (ytd only) | 12.2969% | 392 |
| Net charge-offs to loans | 0.1387% | 3,153 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 14.3382% | 1,953 |
| Efficiency ratio | 69.2821% | 3,874 |
| Assets per employee ($millions) | 8.4058% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7600% | 699 |
| Loan loss allowance to noncurrent loans | 27.1766% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 8.2013% | 216 |
| Noncurrent loans to loans | 10.1557% | 126 |
| Net loans and leases to total assets | 49.0625% | 5,242 |
| Net loans and leases to deposits | 54.1230% | 5,531 |
| Net loans and leases to core deposits | 56.7425% | 5,559 |
| Total domestic deposits to total assets | 90.6500% | 684 |
| Equity capital to assets | 9.1907% | 4,949 |
| Core capital (leverage) ratio | 9.5264% | 4,362 |
| Tier 1 risk-based capital ratio | 15.0890% | 3,692 |
| Total risk-based capital ratio | 16.3507% | 3,638 |
| Memoranda: | ||
| Average total assets | $144,648,500 | 3,830 |
| Average earning assets | $131,228,750 | 3,859 |
| Average equity | $13,520,750 | 4,205 |
| Average total loans | $73,994,250 | 4,154 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 3,103 |
| Cost of funding earning assets | 0.8083% | 1,376 |
| Net interest margin | 3.4551% | 3,984 |
| Noninterest income to average assets | 0.1446% | 6,324 |
| Noninterest expense to average assets | 2.3085% | 5,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9633% | 2,497 |
| Return on assets (ROA) | 1.1641% | 1,798 |
| Pretax return on assets | 1.1641% | 2,826 |
| Return on Equity (ROE) | 12.3802% | 1,381 |
| Retained earnings to average equity (ytd only) | 12.3802% | 441 |
| Net charge-offs to loans | 0.1202% | 3,160 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.5909% | 1,725 |
| Efficiency ratio | 70.5579% | 3,724 |
| Assets per employee ($millions) | 7.5381% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8741% | 655 |
| Loan loss allowance to noncurrent loans | 30.2516% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 7.8634% | 266 |
| Noncurrent loans to loans | 9.5007% | 181 |
| Net loans and leases to total assets | 47.9686% | 5,332 |
| Net loans and leases to deposits | 52.8436% | 5,615 |
| Net loans and leases to core deposits | 55.1591% | 5,664 |
| Total domestic deposits to total assets | 90.7748% | 634 |
| Equity capital to assets | 9.0833% | 5,128 |
| Core capital (leverage) ratio | 9.4982% | 4,249 |
| Tier 1 risk-based capital ratio | 14.4378% | 4,137 |
| Total risk-based capital ratio | 15.6994% | 4,096 |
| Memoranda: | ||
| Average total assets | $142,429,670 | 3,904 |
| Average earning assets | $128,910,670 | 3,922 |
| Average equity | $13,392,330 | 4,262 |
| Average total loans | $73,212,000 | 4,204 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 3,144 |
| Cost of funding earning assets | 0.7996% | 1,527 |
| Net interest margin | 3.4416% | 3,954 |
| Noninterest income to average assets | 0.1215% | 6,493 |
| Noninterest expense to average assets | 2.3202% | 5,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9142% | 2,588 |
| Return on assets (ROA) | 0.9200% | 2,709 |
| Pretax return on assets | 0.9200% | 3,687 |
| Return on Equity (ROE) | 9.6062% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.6062% | 1,215 |
| Net charge-offs to loans | 0.1874% | 2,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.2941% | 1,854 |
| Efficiency ratio | 71.7352% | 3,665 |
| Assets per employee ($millions) | 7.0248% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9716% | 677 |
| Loan loss allowance to noncurrent loans | 29.8985% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 8.5199% | 280 |
| Noncurrent loans to loans | 9.9389% | 210 |
| Net loans and leases to total assets | 49.9676% | 4,999 |
| Net loans and leases to deposits | 55.2667% | 5,325 |
| Net loans and leases to core deposits | 56.5315% | 5,471 |
| Total domestic deposits to total assets | 90.4118% | 812 |
| Equity capital to assets | 9.4566% | 4,911 |
| Core capital (leverage) ratio | 9.7401% | 3,737 |
| Tier 1 risk-based capital ratio | 14.6046% | 4,106 |
| Total risk-based capital ratio | 15.8674% | 4,058 |
| Memoranda: | ||
| Average total assets | $138,264,000 | 4,015 |
| Average earning assets | $125,057,000 | 4,043 |
| Average equity | $13,241,500 | 4,342 |
| Average total loans | $72,589,000 | 4,246 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 2,378 |
| Cost of funding earning assets | 0.9602% | 1,584 |
| Net interest margin | 3.7962% | 3,243 |
| Noninterest income to average assets | 0.4590% | 4,181 |
| Noninterest expense to average assets | 3.1816% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6301% | 4,087 |
| Return on assets (ROA) | 0.9015% | 3,049 |
| Pretax return on assets | 0.9015% | 3,912 |
| Return on Equity (ROE) | 9.6340% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.6340% | 672 |
| Net charge-offs to loans | 1.6834% | 494 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.6331% | 5,171 |
| Efficiency ratio | 83.4700% | 1,692 |
| Assets per employee ($millions) | 6.8017% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9989% | 664 |
| Loan loss allowance to noncurrent loans | 27.4028% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 9.5014% | 241 |
| Noncurrent loans to loans | 10.9439% | 192 |
| Net loans and leases to total assets | 51.9300% | 4,940 |
| Net loans and leases to deposits | 57.5884% | 5,284 |
| Net loans and leases to core deposits | 59.2142% | 5,432 |
| Total domestic deposits to total assets | 90.1744% | 863 |
| Equity capital to assets | 9.7013% | 4,586 |
| Core capital (leverage) ratio | 10.3029% | 3,010 |
| Tier 1 risk-based capital ratio | 14.7282% | 3,880 |
| Total risk-based capital ratio | 15.9924% | 3,824 |
| Memoranda: | ||
| Average total assets | $121,574,600 | 4,325 |
| Average earning assets | $107,369,600 | 4,408 |
| Average equity | $11,376,400 | 4,697 |
| Average total loans | $71,877,400 | 4,287 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 2,067 |
| Cost of funding earning assets | 1.0248% | 1,421 |
| Net interest margin | 3.8602% | 3,076 |
| Noninterest income to average assets | 0.6036% | 3,248 |
| Noninterest expense to average assets | 3.4768% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5199% | 4,766 |
| Return on assets (ROA) | 0.8929% | 3,251 |
| Pretax return on assets | 0.8929% | 4,135 |
| Return on Equity (ROE) | 9.6446% | 2,523 |
| Retained earnings to average equity (ytd only) | 9.6446% | 1,015 |
| Net charge-offs to loans | 1.6824% | 487 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.5089% | 5,065 |
| Efficiency ratio | 86.9910% | 1,306 |
| Assets per employee ($millions) | 5.6958% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6450% | 411 |
| Loan loss allowance to noncurrent loans | 27.5981% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 11.5315% | 176 |
| Noncurrent loans to loans | 13.2073% | 131 |
| Net loans and leases to total assets | 55.0530% | 4,589 |
| Net loans and leases to deposits | 62.0086% | 4,968 |
| Net loans and leases to core deposits | 63.8632% | 5,163 |
| Total domestic deposits to total assets | 88.7829% | 1,543 |
| Equity capital to assets | 10.8643% | 3,427 |
| Core capital (leverage) ratio | 10.4013% | 3,035 |
| Tier 1 risk-based capital ratio | 15.9597% | 3,286 |
| Total risk-based capital ratio | 17.2323% | 3,242 |
| Memoranda: | ||
| Average total assets | $117,960,000 | 4,447 |
| Average earning assets | $103,688,750 | 4,553 |
| Average equity | $10,921,250 | 4,822 |
| Average total loans | $71,640,250 | 4,337 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9219% | 2,017 |
| Cost of funding earning assets | 1.0683% | 1,359 |
| Net interest margin | 3.8536% | 3,120 |
| Noninterest income to average assets | 0.7103% | 2,611 |
| Noninterest expense to average assets | 3.1360% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9539% | 2,648 |
| Return on assets (ROA) | 1.0851% | 2,324 |
| Pretax return on assets | 1.0851% | 3,355 |
| Return on Equity (ROE) | 12.4536% | 1,516 |
| Retained earnings to average equity (ytd only) | 12.4536% | 512 |
| Net charge-offs to loans | 0.7891% | 1,394 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.9512% | 4,001 |
| Efficiency ratio | 76.6764% | 2,641 |
| Assets per employee ($millions) | 5.5809% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2973% | 274 |
| Loan loss allowance to noncurrent loans | 32.2674% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 11.7193% | 186 |
| Noncurrent loans to loans | 13.3177% | 131 |
| Net loans and leases to total assets | 56.3748% | 4,408 |
| Net loans and leases to deposits | 63.2702% | 4,850 |
| Net loans and leases to core deposits | 65.5743% | 5,046 |
| Total domestic deposits to total assets | 89.1016% | 1,450 |
| Equity capital to assets | 10.6825% | 3,474 |
| Core capital (leverage) ratio | 10.8211% | 2,459 |
| Tier 1 risk-based capital ratio | 15.1517% | 3,664 |
| Total risk-based capital ratio | 16.4313% | 3,611 |
| Memoranda: | ||
| Average total assets | $117,409,330 | 4,472 |
| Average earning assets | $102,967,330 | 4,605 |
| Average equity | $10,230,000 | 4,976 |
| Average total loans | $72,740,000 | 4,319 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9720% | 1,986 |
| Cost of funding earning assets | 1.1949% | 1,016 |
| Net interest margin | 3.7771% | 3,490 |
| Noninterest income to average assets | 0.3243% | 5,276 |
| Noninterest expense to average assets | 3.2426% | 2,465 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3661% | 5,402 |
| Return on assets (ROA) | 0.3661% | 5,583 |
| Pretax return on assets | 0.3661% | 5,817 |
| Return on Equity (ROE) | 4.7798% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.7798% | 3,688 |
| Net charge-offs to loans | 1.5847% | 628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.3633% | 4,178 |
| Efficiency ratio | 89.8551% | 1,109 |
| Assets per employee ($millions) | 5.2934% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3448% | 276 |
| Loan loss allowance to noncurrent loans | 27.7778% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 13.8431% | 131 |
| Noncurrent loans to loans | 15.6414% | 113 |
| Net loans and leases to total assets | 58.6999% | 3,919 |
| Net loans and leases to deposits | 64.5505% | 4,556 |
| Net loans and leases to core deposits | 66.6507% | 4,837 |
| Total domestic deposits to total assets | 90.9364% | 588 |
| Equity capital to assets | 8.8867% | 5,655 |
| Core capital (leverage) ratio | 9.0161% | 4,815 |
| Tier 1 risk-based capital ratio | 12.7673% | 5,392 |
| Total risk-based capital ratio | 14.0494% | 5,344 |
| Memoranda: | ||
| Average total assets | $114,724,000 | 4,573 |
| Average earning assets | $99,758,000 | 4,703 |
| Average equity | $8,787,000 | 5,336 |
| Average total loans | $72,947,500 | 4,351 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1861% | 2,127 |
| Cost of funding earning assets | 1.3392% | 1,295 |
| Net interest margin | 3.8469% | 3,586 |
| Noninterest income to average assets | 0.4753% | 4,028 |
| Noninterest expense to average assets | 3.8979% | 1,184 |
| Loan and lease loss provision to assets | 1.3383% | 598 |
| Net operating income to assets | -1.4395% | 6,890 |
| Return on assets (ROA) | -0.9085% | 6,730 |
| Pretax return on assets | -0.9085% | 6,697 |
| Return on Equity (ROE) | -14.8932% | 6,890 |
| Retained earnings to average equity (ytd only) | -14.8932% | 6,868 |
| Net charge-offs to loans | 2.6692% | 412 |
| Credit loss provision to net charge-offs | 78.4973% | 4,525 |
| Earnings coverage of net charge-offs (x) | -0.0593% | 5,869 |
| Efficiency ratio | 102.6637% | 600 |
| Assets per employee ($millions) | 4.7080% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5613% | 247 |
| Loan loss allowance to noncurrent loans | 27.6241% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 15.2080% | 109 |
| Noncurrent loans to loans | 16.5119% | 100 |
| Net loans and leases to total assets | 62.8676% | 3,436 |
| Net loans and leases to deposits | 67.2861% | 4,541 |
| Net loans and leases to core deposits | 69.7265% | 4,815 |
| Total domestic deposits to total assets | 93.4332% | 116 |
| Equity capital to assets | 6.3942% | 7,053 |
| Core capital (leverage) ratio | 6.3475% | 7,007 |
| Tier 1 risk-based capital ratio | 8.5805% | 7,072 |
| Total risk-based capital ratio | 9.8654% | 7,071 |
| Memoranda: | ||
| Average total assets | $118,654,600 | 4,440 |
| Average earning assets | $102,447,200 | 4,576 |
| Average equity | $7,238,200 | 5,796 |
| Average total loans | $75,789,800 | 4,283 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2321% | 2,090 |
| Cost of funding earning assets | 1.3651% | 1,395 |
| Net interest margin | 3.8670% | 3,537 |
| Noninterest income to average assets | 0.0677% | 6,883 |
| Noninterest expense to average assets | 3.6134% | 1,681 |
| Loan and lease loss provision to assets | 1.7634% | 344 |
| Net operating income to assets | -1.9621% | 7,131 |
| Return on assets (ROA) | -1.4091% | 7,035 |
| Pretax return on assets | -1.4091% | 6,996 |
| Return on Equity (ROE) | -23.3648% | 7,144 |
| Retained earnings to average equity (ytd only) | -23.3648% | 7,133 |
| Net charge-offs to loans | 2.5622% | 420 |
| Credit loss provision to net charge-offs | 108.5441% | 3,042 |
| Earnings coverage of net charge-offs (x) | -0.1224% | 5,677 |
| Efficiency ratio | 105.8211% | 504 |
| Assets per employee ($millions) | 4.8935% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3710% | 143 |
| Loan loss allowance to noncurrent loans | 27.9119% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 16.2630% | 103 |
| Noncurrent loans to loans | 19.2428% | 64 |
| Net loans and leases to total assets | 61.8952% | 3,750 |
| Net loans and leases to deposits | 66.2095% | 4,871 |
| Net loans and leases to core deposits | 68.4265% | 5,128 |
| Total domestic deposits to total assets | 93.4838% | 107 |
| Equity capital to assets | 6.3447% | 7,153 |
| Core capital (leverage) ratio | 5.9369% | 7,149 |
| Tier 1 risk-based capital ratio | 8.4718% | 7,157 |
| Total risk-based capital ratio | 9.7657% | 7,156 |
| Memoranda: | ||
| Average total assets | $120,070,000 | 4,424 |
| Average earning assets | $103,919,250 | 4,576 |
| Average equity | $7,241,500 | 5,832 |
| Average total loans | $76,129,500 | 4,313 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 2,729 |
| Cost of funding earning assets | 1.4034% | 1,407 |
| Net interest margin | 3.6861% | 4,330 |
| Noninterest income to average assets | -0.0179% | 7,223 |
| Noninterest expense to average assets | 3.5912% | 1,762 |
| Loan and lease loss provision to assets | 2.5910% | 195 |
| Net operating income to assets | -2.9989% | 7,310 |
| Return on assets (ROA) | -2.6106% | 7,282 |
| Pretax return on assets | -2.6106% | 7,265 |
| Return on Equity (ROE) | -43.9863% | 7,328 |
| Retained earnings to average equity (ytd only) | -43.9863% | 7,325 |
| Net charge-offs to loans | 3.8198% | 222 |
| Credit loss provision to net charge-offs | 108.0272% | 2,840 |
| Earnings coverage of net charge-offs (x) | -0.1701% | 5,388 |
| Efficiency ratio | 112.8139% | 427 |
| Assets per employee ($millions) | 4.9475% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1535% | 171 |
| Loan loss allowance to noncurrent loans | 24.2489% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 15.1818% | 138 |
| Noncurrent loans to loans | 21.2527% | 48 |
| Net loans and leases to total assets | 61.1760% | 4,052 |
| Net loans and leases to deposits | 64.9102% | 5,165 |
| Net loans and leases to core deposits | 67.4062% | 5,352 |
| Total domestic deposits to total assets | 94.2471% | 69 |
| Equity capital to assets | 5.6156% | 7,284 |
| Core capital (leverage) ratio | 5.3338% | 7,272 |
| Tier 1 risk-based capital ratio | 7.6097% | 7,274 |
| Total risk-based capital ratio | 8.8998% | 7,278 |
| Memoranda: | ||
| Average total assets | $122,576,670 | 4,372 |
| Average earning assets | $106,454,000 | 4,551 |
| Average equity | $7,275,000 | 5,847 |
| Average total loans | $76,967,000 | 4,313 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8901% | 3,643 |
| Cost of funding earning assets | 1.4489% | 1,391 |
| Net interest margin | 3.4412% | 5,257 |
| Noninterest income to average assets | 0.3374% | 5,209 |
| Noninterest expense to average assets | 3.7785% | 1,375 |
| Loan and lease loss provision to assets | 0.6426% | 1,342 |
| Net operating income to assets | -1.0924% | 7,067 |
| Return on assets (ROA) | -1.0924% | 7,075 |
| Pretax return on assets | -1.0924% | 7,024 |
| Return on Equity (ROE) | -17.9455% | 7,195 |
| Retained earnings to average equity (ytd only) | -17.9455% | 7,115 |
| Net charge-offs to loans | -0.0518% | 6,898 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.5135% | 436 |
| Assets per employee ($millions) | 5.1913% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2857% | 160 |
| Loan loss allowance to noncurrent loans | 30.4119% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 13.3668% | 198 |
| Noncurrent loans to loans | 17.3803% | 99 |
| Net loans and leases to total assets | 58.0896% | 4,634 |
| Net loans and leases to deposits | 61.9273% | 5,506 |
| Net loans and leases to core deposits | 64.5238% | 5,677 |
| Total domestic deposits to total assets | 93.8030% | 85 |
| Equity capital to assets | 6.0630% | 7,278 |
| Core capital (leverage) ratio | 6.3004% | 7,209 |
| Tier 1 risk-based capital ratio | 8.7508% | 7,243 |
| Total risk-based capital ratio | 10.0407% | 7,246 |
| Memoranda: | ||
| Average total assets | $124,494,500 | 4,365 |
| Average earning assets | $108,218,000 | 4,523 |
| Average equity | $7,578,500 | 5,749 |
| Average total loans | $77,156,500 | 4,352 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4549% | 2,459 |
| Cost of funding earning assets | 1.8762% | 923 |
| Net interest margin | 3.5786% | 4,921 |
| Noninterest income to average assets | 0.3235% | 5,472 |
| Noninterest expense to average assets | 3.0686% | 3,595 |
| Loan and lease loss provision to assets | 1.7225% | 819 |
| Net operating income to assets | -1.3850% | 6,866 |
| Return on assets (ROA) | -1.2197% | 6,817 |
| Pretax return on assets | -1.2197% | 6,750 |
| Return on Equity (ROE) | -17.1860% | 6,979 |
| Retained earnings to average equity (ytd only) | -17.1860% | 6,947 |
| Net charge-offs to loans | 3.3538% | 448 |
| Credit loss provision to net charge-offs | 77.3250% | 5,654 |
| Earnings coverage of net charge-offs (x) | 0.1515% | 5,962 |
| Efficiency ratio | 90.0911% | 1,318 |
| Assets per employee ($millions) | 5.1832% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9153% | 200 |
| Loan loss allowance to noncurrent loans | 26.8100% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 13.3492% | 216 |
| Noncurrent loans to loans | 18.3340% | 95 |
| Net loans and leases to total assets | 59.5432% | 4,755 |
| Net loans and leases to deposits | 63.5031% | 5,683 |
| Net loans and leases to core deposits | 66.3151% | 5,844 |
| Total domestic deposits to total assets | 93.7643% | 97 |
| Equity capital to assets | 6.1119% | 7,327 |
| Core capital (leverage) ratio | 6.3697% | 7,223 |
| Tier 1 risk-based capital ratio | 9.1779% | 7,205 |
| Total risk-based capital ratio | 10.4648% | 7,205 |
| Memoranda: | ||
| Average total assets | $128,885,200 | 4,296 |
| Average earning assets | $111,020,400 | 4,444 |
| Average equity | $9,147,000 | 5,374 |
| Average total loans | $85,603,200 | 4,161 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6250% | 1,969 |
| Cost of funding earning assets | 1.9655% | 845 |
| Net interest margin | 3.6596% | 4,598 |
| Noninterest income to average assets | 0.3200% | 5,591 |
| Noninterest expense to average assets | 2.9998% | 3,746 |
| Loan and lease loss provision to assets | 1.8870% | 652 |
| Net operating income to assets | -1.4276% | 7,086 |
| Return on assets (ROA) | -1.2348% | 7,024 |
| Pretax return on assets | -1.2348% | 6,948 |
| Return on Equity (ROE) | -16.8393% | 7,150 |
| Retained earnings to average equity (ytd only) | -16.8393% | 7,128 |
| Net charge-offs to loans | 2.9247% | 547 |
| Credit loss provision to net charge-offs | 95.8333% | 4,521 |
| Earnings coverage of net charge-offs (x) | 0.2333% | 5,777 |
| Efficiency ratio | 86.7181% | 1,555 |
| Assets per employee ($millions) | 5.8412% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2360% | 148 |
| Loan loss allowance to noncurrent loans | 38.3877% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 10.4542% | 370 |
| Noncurrent loans to loans | 13.6397% | 201 |
| Net loans and leases to total assets | 59.2744% | 5,048 |
| Net loans and leases to deposits | 63.6777% | 5,954 |
| Net loans and leases to core deposits | 66.2893% | 6,099 |
| Total domestic deposits to total assets | 93.0851% | 99 |
| Equity capital to assets | 6.7541% | 7,389 |
| Core capital (leverage) ratio | 6.2917% | 7,387 |
| Tier 1 risk-based capital ratio | 9.0689% | 7,350 |
| Total risk-based capital ratio | 10.3611% | 7,359 |
| Memoranda: | ||
| Average total assets | $130,007,250 | 4,326 |
| Average earning assets | $111,522,500 | 4,494 |
| Average equity | $9,533,000 | 5,333 |
| Average total loans | $87,529,250 | 4,182 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7782% | 1,486 |
| Cost of funding earning assets | 2.0062% | 899 |
| Net interest margin | 3.7720% | 4,037 |
| Noninterest income to average assets | 0.3858% | 5,028 |
| Noninterest expense to average assets | 3.2592% | 2,696 |
| Loan and lease loss provision to assets | 1.6957% | 743 |
| Net operating income to assets | -1.3223% | 7,079 |
| Return on assets (ROA) | -1.3037% | 7,087 |
| Pretax return on assets | -1.3037% | 7,014 |
| Return on Equity (ROE) | -17.3033% | 7,212 |
| Retained earnings to average equity (ytd only) | -17.3033% | 7,180 |
| Net charge-offs to loans | 4.1513% | 302 |
| Credit loss provision to net charge-offs | 59.2070% | 5,227 |
| Earnings coverage of net charge-offs (x) | 0.1304% | 5,592 |
| Efficiency ratio | 89.7216% | 1,359 |
| Assets per employee ($millions) | 5.7985% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4479% | 266 |
| Loan loss allowance to noncurrent loans | 31.8147% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 11.1655% | 314 |
| Noncurrent loans to loans | 13.9805% | 199 |
| Net loans and leases to total assets | 60.0670% | 5,047 |
| Net loans and leases to deposits | 67.3847% | 5,627 |
| Net loans and leases to core deposits | 71.1043% | 5,759 |
| Total domestic deposits to total assets | 89.1404% | 1,356 |
| Equity capital to assets | 6.9156% | 7,376 |
| Core capital (leverage) ratio | 6.8392% | 7,268 |
| Tier 1 risk-based capital ratio | 9.4526% | 7,278 |
| Total risk-based capital ratio | 10.7361% | 7,269 |
| Memoranda: | ||
| Average total assets | $128,560,330 | 4,387 |
| Average earning assets | $110,656,670 | 4,545 |
| Average equity | $9,686,000 | 5,289 |
| Average total loans | $88,694,330 | 4,183 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0634% | 851 |
| Cost of funding earning assets | 2.0983% | 812 |
| Net interest margin | 3.9651% | 3,025 |
| Noninterest income to average assets | 0.4280% | 4,676 |
| Noninterest expense to average assets | 2.8567% | 4,242 |
| Loan and lease loss provision to assets | 0.6341% | 1,998 |
| Net operating income to assets | 0.3583% | 5,035 |
| Return on assets (ROA) | 0.3583% | 5,163 |
| Pretax return on assets | 0.3583% | 5,421 |
| Return on Equity (ROE) | 4.5576% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.5576% | 3,417 |
| Net charge-offs to loans | 0.0922% | 4,498 |
| Credit loss provision to net charge-offs | 952.3810% | 487 |
| Earnings coverage of net charge-offs (x) | 14.9048% | 1,402 |
| Efficiency ratio | 74.2175% | 3,547 |
| Assets per employee ($millions) | 6.0929% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1562% | 157 |
| Loan loss allowance to noncurrent loans | 44.6649% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 10.1500% | 387 |
| Noncurrent loans to loans | 11.5441% | 320 |
| Net loans and leases to total assets | 66.9780% | 3,640 |
| Net loans and leases to deposits | 75.9783% | 4,419 |
| Net loans and leases to core deposits | 80.5290% | 4,701 |
| Total domestic deposits to total assets | 88.1541% | 1,973 |
| Equity capital to assets | 7.8288% | 6,824 |
| Core capital (leverage) ratio | 7.6192% | 6,714 |
| Tier 1 risk-based capital ratio | 10.1242% | 6,950 |
| Total risk-based capital ratio | 11.4179% | 6,900 |
| Memoranda: | ||
| Average total assets | $126,157,500 | 4,495 |
| Average earning assets | $108,850,500 | 4,638 |
| Average equity | $9,917,500 | 5,260 |
| Average total loans | $91,122,500 | 4,181 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5625% | 591 |
| Cost of funding earning assets | 2.6236% | 727 |
| Net interest margin | 3.9389% | 3,122 |
| Noninterest income to average assets | 0.1464% | 7,008 |
| Noninterest expense to average assets | 3.0180% | 4,081 |
| Loan and lease loss provision to assets | 3.7731% | 383 |
| Net operating income to assets | -3.1775% | 7,443 |
| Return on assets (ROA) | -3.1334% | 7,432 |
| Pretax return on assets | -3.1334% | 7,330 |
| Return on Equity (ROE) | -38.8560% | 7,552 |
| Retained earnings to average equity (ytd only) | -40.7767% | 7,565 |
| Net charge-offs to loans | 2.1106% | 1,156 |
| Credit loss provision to net charge-offs | 237.3113% | 1,521 |
| Earnings coverage of net charge-offs (x) | 0.3746% | 5,739 |
| Efficiency ratio | 83.5191% | 2,412 |
| Assets per employee ($millions) | 6.2182% | 1,122 |
| Cash dividends to net income (ytd only)* | -4.9432% | 7,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8756% | 187 |
| Loan loss allowance to noncurrent loans | 60.9607% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 7.9131% | 575 |
| Noncurrent loans to loans | 7.9979% | 627 |
| Net loans and leases to total assets | 70.2832% | 3,186 |
| Net loans and leases to deposits | 79.9508% | 4,006 |
| Net loans and leases to core deposits | 119.7586% | 1,962 |
| Total domestic deposits to total assets | 87.9081% | 2,009 |
| Equity capital to assets | 7.8946% | 6,679 |
| Core capital (leverage) ratio | 7.2386% | 7,041 |
| Tier 1 risk-based capital ratio | 9.8578% | 6,978 |
| Total risk-based capital ratio | 11.1482% | 6,934 |
| Memoranda: | ||
| Average total assets | $129,125,400 | 4,353 |
| Average earning assets | $113,660,400 | 4,455 |
| Average equity | $10,412,800 | 5,186 |
| Average total loans | $97,269,600 | 4,026 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6390% | 574 |
| Cost of funding earning assets | 2.6815% | 831 |
| Net interest margin | 3.9575% | 2,999 |
| Noninterest income to average assets | 0.1760% | 6,957 |
| Noninterest expense to average assets | 2.6939% | 5,355 |
| Loan and lease loss provision to assets | 2.0197% | 892 |
| Net operating income to assets | -1.0405% | 6,864 |
| Return on assets (ROA) | -0.9822% | 6,827 |
| Pretax return on assets | -0.9822% | 6,673 |
| Return on Equity (ROE) | -12.1192% | 7,029 |
| Retained earnings to average equity (ytd only) | -14.6440% | 7,113 |
| Net charge-offs to loans | 0.6868% | 2,638 |
| Credit loss provision to net charge-offs | 388.5827% | 1,040 |
| Earnings coverage of net charge-offs (x) | 1.8839% | 4,399 |
| Efficiency ratio | 73.3426% | 3,988 |
| Assets per employee ($millions) | 6.8359% | 848 |
| Cash dividends to net income (ytd only)* | -20.8333% | 7,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2481% | 532 |
| Loan loss allowance to noncurrent loans | 111.6786% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 4.3147% | 1,435 |
| Noncurrent loans to loans | 2.9085% | 2,620 |
| Net loans and leases to total assets | 68.1286% | 3,929 |
| Net loans and leases to deposits | 76.8711% | 4,912 |
| Net loans and leases to core deposits | 116.0615% | 2,617 |
| Total domestic deposits to total assets | 88.6270% | 1,376 |
| Equity capital to assets | 7.5572% | 7,257 |
| Core capital (leverage) ratio | 7.6415% | 6,810 |
| Tier 1 risk-based capital ratio | 9.3470% | 7,467 |
| Total risk-based capital ratio | 10.6164% | 7,430 |
| Memoranda: | ||
| Average total assets | $130,315,750 | 4,368 |
| Average earning assets | $115,155,000 | 4,449 |
| Average equity | $10,561,500 | 5,172 |
| Average total loans | $98,615,250 | 4,026 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5939% | 667 |
| Cost of funding earning assets | 2.7760% | 839 |
| Net interest margin | 3.8179% | 3,470 |
| Noninterest income to average assets | 0.2528% | 6,475 |
| Noninterest expense to average assets | 2.7757% | 5,061 |
| Loan and lease loss provision to assets | 2.7679% | 552 |
| Net operating income to assets | -1.9004% | 7,401 |
| Return on assets (ROA) | -1.9004% | 7,393 |
| Pretax return on assets | -1.9004% | 7,249 |
| Return on Equity (ROE) | -22.8990% | 7,587 |
| Retained earnings to average equity (ytd only) | -26.6591% | 7,624 |
| Net charge-offs to loans | 0.8572% | 1,976 |
| Credit loss provision to net charge-offs | 416.4319% | 1,115 |
| Earnings coverage of net charge-offs (x) | 1.3052% | 4,545 |
| Efficiency ratio | 76.1884% | 3,656 |
| Assets per employee ($millions) | 6.5843% | 936 |
| Cash dividends to net income (ytd only)* | -16.4204% | 7,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0634% | 535 |
| Loan loss allowance to noncurrent loans | 68.1386% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 6.1373% | 783 |
| Noncurrent loans to loans | 4.4959% | 1,429 |
| Net loans and leases to total assets | 72.3038% | 3,137 |
| Net loans and leases to deposits | 81.8707% | 4,247 |
| Net loans and leases to core deposits | 124.3246% | 1,997 |
| Total domestic deposits to total assets | 88.3146% | 1,617 |
| Equity capital to assets | 7.6804% | 7,100 |
| Core capital (leverage) ratio | 7.7466% | 6,675 |
| Tier 1 risk-based capital ratio | 9.1115% | 7,634 |
| Total risk-based capital ratio | 10.3800% | 7,633 |
| Memoranda: | ||
| Average total assets | $128,181,670 | 4,428 |
| Average earning assets | $113,832,670 | 4,520 |
| Average equity | $10,638,000 | 5,179 |
| Average total loans | $99,396,670 | 4,032 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9679% | 364 |
| Cost of funding earning assets | 2.9473% | 686 |
| Net interest margin | 4.0206% | 2,573 |
| Noninterest income to average assets | 0.2658% | 6,318 |
| Noninterest expense to average assets | 2.7335% | 4,853 |
| Loan and lease loss provision to assets | 4.8090% | 177 |
| Net operating income to assets | -3.6858% | 7,945 |
| Return on assets (ROA) | -3.6858% | 7,938 |
| Pretax return on assets | -3.6858% | 7,865 |
| Return on Equity (ROE) | -42.7523% | 8,015 |
| Retained earnings to average equity (ytd only) | -42.7523% | 7,996 |
| Net charge-offs to loans | 0.1960% | 3,461 |
| Credit loss provision to net charge-offs | 3,102.0408% | 207 |
| Earnings coverage of net charge-offs (x) | 7.2449% | 2,372 |
| Efficiency ratio | 70.8778% | 4,395 |
| Assets per employee ($millions) | 5.6772% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1657% | 417 |
| Loan loss allowance to noncurrent loans | 115.8771% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 3.1786% | 1,754 |
| Noncurrent loans to loans | 2.7319% | 2,398 |
| Net loans and leases to total assets | 76.6810% | 2,115 |
| Net loans and leases to deposits | 87.5695% | 3,366 |
| Net loans and leases to core deposits | 126.1416% | 1,909 |
| Total domestic deposits to total assets | 87.5659% | 1,942 |
| Equity capital to assets | 8.2836% | 6,415 |
| Core capital (leverage) ratio | 7.9965% | 6,451 |
| Tier 1 risk-based capital ratio | 9.3681% | 7,531 |
| Total risk-based capital ratio | 10.6182% | 7,488 |
| Memoranda: | ||
| Average total assets | $126,429,500 | 4,484 |
| Average earning assets | $112,918,500 | 4,558 |
| Average equity | $10,900,000 | 5,135 |
| Average total loans | $99,983,500 | 4,030 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4854% | 421 |
| Cost of funding earning assets | 3.5009% | 518 |
| Net interest margin | 3.9845% | 3,193 |
| Noninterest income to average assets | 0.2976% | 6,336 |
| Noninterest expense to average assets | 2.6918% | 5,304 |
| Loan and lease loss provision to assets | 0.7670% | 1,944 |
| Net operating income to assets | 0.3891% | 5,195 |
| Return on assets (ROA) | 0.3891% | 5,010 |
| Pretax return on assets | 0.3891% | 5,289 |
| Return on Equity (ROE) | 3.9361% | 4,849 |
| Retained earnings to average equity (ytd only) | 0.9083% | 4,683 |
| Net charge-offs to loans | 0.1025% | 5,285 |
| Credit loss provision to net charge-offs | 985.7143% | 456 |
| Earnings coverage of net charge-offs (x) | 14.8571% | 1,996 |
| Efficiency ratio | 69.9556% | 4,362 |
| Assets per employee ($millions) | 5.8164% | 1,254 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 2,085 |
| Loan loss allowance to noncurrent loans | 32.6776% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 4.1825% | 955 |
| Noncurrent loans to loans | 5.0295% | 870 |
| Net loans and leases to total assets | 77.6815% | 2,224 |
| Net loans and leases to deposits | 89.2907% | 3,579 |
| Net loans and leases to core deposits | 136.4400% | 1,466 |
| Total domestic deposits to total assets | 86.9984% | 1,935 |
| Equity capital to assets | 8.9512% | 5,431 |
| Core capital (leverage) ratio | 9.2503% | 4,367 |
| Tier 1 risk-based capital ratio | 10.2111% | 6,505 |
| Total risk-based capital ratio | 11.4608% | 6,369 |
| Memoranda: | ||
| Average total assets | $116,945,800 | 4,591 |
| Average earning assets | $104,203,200 | 4,673 |
| Average equity | $11,559,600 | 4,949 |
| Average total loans | $88,750,600 | 4,267 |