Home > Fleetwood Bank > Performance and Condition Ratios
Fleetwood Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5276% | 4,386 |
| Cost of funding earning assets | 0.5979% | 4,073 |
| Net interest margin | 2.9296% | 3,428 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.5935% | 2,027 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.4079% | 3,853 |
| Return on assets (ROA) | 0.4079% | 3,851 |
| Pretax return on assets | 0.4821% | 3,845 |
| Return on Equity (ROE) | 7.4200% | 3,181 |
| Retained earnings to average equity (ytd only) | 4.1848% | 2,895 |
| Net charge-offs to loans | 0.0545% | 1,319 |
| Credit loss provision to net charge-offs | 300.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 19.6000% | 1,895 |
| Efficiency ratio | 82.0018% | 775 |
| Assets per employee ($millions) | 6.6005% | 2,340 |
| Cash dividends to net income (ytd only)* | 43.6246% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 2,077 |
| Loan loss allowance to noncurrent loans | 206.9243% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 1,649 |
| Noncurrent loans to loans | 0.5981% | 1,315 |
| Net loans and leases to total assets | 53.5700% | 3,382 |
| Net loans and leases to deposits | 59.7092% | 3,542 |
| Net loans and leases to core deposits | 60.6045% | 3,744 |
| Total domestic deposits to total assets | 89.7200% | 837 |
| Equity capital to assets | 5.8896% | 4,254 |
| Core capital (leverage) ratio | 7.4780% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1311% | 1,499 |
| Memoranda: | ||
| Average total assets | $378,748,600 | 2,083 |
| Average earning assets | $354,380,600 | 2,073 |
| Average equity | $20,813,400 | 2,789 |
| Average total loans | $201,916,000 | 2,274 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4794% | 4,394 |
| Cost of funding earning assets | 0.4686% | 4,177 |
| Net interest margin | 3.0108% | 3,323 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.6223% | 1,873 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.4380% | 3,896 |
| Return on assets (ROA) | 0.4380% | 3,896 |
| Pretax return on assets | 0.5185% | 3,873 |
| Return on Equity (ROE) | 8.1200% | 3,157 |
| Retained earnings to average equity (ytd only) | 4.7038% | 3,043 |
| Net charge-offs to loans | 0.0752% | 953 |
| Credit loss provision to net charge-offs | 212.3894% | 1,079 |
| Earnings coverage of net charge-offs (x) | 15.1239% | 1,973 |
| Efficiency ratio | 81.2979% | 780 |
| Assets per employee ($millions) | 5.9772% | 2,782 |
| Cash dividends to net income (ytd only)* | 42.0629% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,310 |
| Loan loss allowance to noncurrent loans | 218.0458% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 1,823 |
| Noncurrent loans to loans | 0.5551% | 1,440 |
| Net loans and leases to total assets | 52.8500% | 3,434 |
| Net loans and leases to deposits | 60.3754% | 3,487 |
| Net loans and leases to core deposits | 61.1785% | 3,648 |
| Total domestic deposits to total assets | 87.5400% | 1,725 |
| Equity capital to assets | 5.2335% | 4,205 |
| Core capital (leverage) ratio | 7.4055% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0538% | 1,545 |
| Memoranda: | ||
| Average total assets | $377,728,750 | 2,090 |
| Average earning assets | $352,812,250 | 2,083 |
| Average equity | $20,380,000 | 2,808 |
| Average total loans | $200,479,000 | 2,284 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4052% | 4,419 |
| Cost of funding earning assets | 0.3103% | 4,298 |
| Net interest margin | 3.0949% | 3,236 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.6385% | 1,829 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.4844% | 3,838 |
| Return on assets (ROA) | 0.4844% | 3,849 |
| Pretax return on assets | 0.5743% | 3,843 |
| Return on Equity (ROE) | 8.8900% | 3,012 |
| Retained earnings to average equity (ytd only) | 5.9317% | 2,651 |
| Net charge-offs to loans | 0.0794% | 789 |
| Credit loss provision to net charge-offs | 189.8734% | 1,075 |
| Earnings coverage of net charge-offs (x) | 15.5696% | 1,849 |
| Efficiency ratio | 80.1357% | 830 |
| Assets per employee ($millions) | 5.6967% | 2,974 |
| Cash dividends to net income (ytd only)* | 33.2602% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,431 |
| Loan loss allowance to noncurrent loans | 190.0314% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 1,584 |
| Noncurrent loans to loans | 0.6321% | 1,183 |
| Net loans and leases to total assets | 52.1700% | 3,396 |
| Net loans and leases to deposits | 58.4912% | 3,516 |
| Net loans and leases to core deposits | 59.1311% | 3,674 |
| Total domestic deposits to total assets | 89.1900% | 1,177 |
| Equity capital to assets | 5.4559% | 4,302 |
| Core capital (leverage) ratio | 7.4588% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9149% | 1,598 |
| Memoranda: | ||
| Average total assets | $376,125,333 | 2,099 |
| Average earning assets | $350,580,667 | 2,093 |
| Average equity | $20,500,000 | 2,817 |
| Average total loans | $199,085,667 | 2,294 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2885% | 4,444 |
| Cost of funding earning assets | 0.1917% | 4,395 |
| Net interest margin | 3.0968% | 3,355 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.5285% | 2,171 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.5914% | 3,705 |
| Return on assets (ROA) | 0.5914% | 3,673 |
| Pretax return on assets | 0.6953% | 3,675 |
| Return on Equity (ROE) | 10.8600% | 2,531 |
| Retained earnings to average equity (ytd only) | 7.8867% | 2,252 |
| Net charge-offs to loans | 0.0768% | 687 |
| Credit loss provision to net charge-offs | 157.8947% | 925 |
| Earnings coverage of net charge-offs (x) | 18.6579% | 1,481 |
| Efficiency ratio | 76.8980% | 1,090 |
| Assets per employee ($millions) | 5.7490% | 2,983 |
| Cash dividends to net income (ytd only)* | 27.3551% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 2,634 |
| Loan loss allowance to noncurrent loans | 189.7600% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 1,521 |
| Noncurrent loans to loans | 0.6250% | 1,201 |
| Net loans and leases to total assets | 52.8800% | 3,286 |
| Net loans and leases to deposits | 57.6972% | 3,469 |
| Net loans and leases to core deposits | 58.2316% | 3,617 |
| Total domestic deposits to total assets | 91.6600% | 602 |
| Equity capital to assets | 5.6061% | 4,316 |
| Core capital (leverage) ratio | 7.5017% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5944% | 1,467 |
| Memoranda: | ||
| Average total assets | $373,349,500 | 2,139 |
| Average earning assets | $348,488,000 | 2,129 |
| Average equity | $20,338,000 | 2,854 |
| Average total loans | $197,860,500 | 2,321 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9905% | 4,142 |
| Cost of funding earning assets | 0.0678% | 4,513 |
| Net interest margin | 2.9226% | 3,627 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.6337% | 1,717 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.4076% | 4,234 |
| Return on assets (ROA) | 0.4076% | 4,199 |
| Pretax return on assets | 0.4796% | 4,196 |
| Return on Equity (ROE) | 6.8800% | 3,662 |
| Retained earnings to average equity (ytd only) | 4.0667% | 3,375 |
| Net charge-offs to loans | -0.0289% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.4888% | 512 |
| Assets per employee ($millions) | 7.3140% | 1,745 |
| Cash dividends to net income (ytd only)* | 40.8907% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,379 |
| Loan loss allowance to noncurrent loans | 190.1294% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 1,524 |
| Noncurrent loans to loans | 0.6315% | 1,170 |
| Net loans and leases to total assets | 51.8400% | 3,371 |
| Net loans and leases to deposits | 55.0858% | 3,623 |
| Net loans and leases to core deposits | 55.8175% | 3,725 |
| Total domestic deposits to total assets | 94.1100% | 226 |
| Equity capital to assets | 5.2885% | 4,292 |
| Core capital (leverage) ratio | 7.4703% | 4,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5094% | 1,476 |
| Memoranda: | ||
| Average total assets | $363,633,800 | 2,162 |
| Average earning assets | $339,043,200 | 2,160 |
| Average equity | $21,541,000 | 2,809 |
| Average total loans | $190,567,200 | 2,304 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9041% | 4,055 |
| Cost of funding earning assets | 0.0621% | 4,516 |
| Net interest margin | 2.8420% | 3,646 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.6003% | 1,712 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.3709% | 4,288 |
| Return on assets (ROA) | 0.3709% | 4,233 |
| Pretax return on assets | 0.4410% | 4,220 |
| Return on Equity (ROE) | 6.0900% | 3,781 |
| Retained earnings to average equity (ytd only) | 3.3341% | 3,687 |
| Net charge-offs to loans | -0.0373% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.4237% | 524 |
| Assets per employee ($millions) | 6.4338% | 2,379 |
| Cash dividends to net income (ytd only)* | 45.2736% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,509 |
| Loan loss allowance to noncurrent loans | 167.7349% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 1,446 |
| Noncurrent loans to loans | 0.7172% | 1,138 |
| Net loans and leases to total assets | 51.5700% | 3,326 |
| Net loans and leases to deposits | 54.6973% | 3,566 |
| Net loans and leases to core deposits | 55.4845% | 3,659 |
| Total domestic deposits to total assets | 94.2800% | 318 |
| Equity capital to assets | 5.0294% | 4,287 |
| Core capital (leverage) ratio | 7.3178% | 4,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6136% | 1,530 |
| Memoranda: | ||
| Average total assets | $361,288,500 | 2,188 |
| Average earning assets | $337,169,750 | 2,176 |
| Average equity | $21,994,500 | 2,823 |
| Average total loans | $189,276,000 | 2,320 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8152% | 3,948 |
| Cost of funding earning assets | 0.0656% | 4,488 |
| Net interest margin | 2.7496% | 3,577 |
| Noninterest income to average assets | 0.4267% | 2,587 |
| Noninterest expense to average assets | 2.4842% | 1,976 |
| Loan and lease loss provision to assets | 0.0334% | 1,988 |
| Net operating income to assets | 0.4084% | 4,091 |
| Return on assets (ROA) | 0.4084% | 4,042 |
| Pretax return on assets | 0.4751% | 4,040 |
| Return on Equity (ROE) | 6.3336% | 3,493 |
| Retained earnings to average equity (ytd only) | 3.7190% | 3,197 |
| Net charge-offs to loans | -0.0541% | 4,266 |
| Credit loss provision to net charge-offs | -117.6471% | 3,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0080% | 737 |
| Assets per employee ($millions) | 6.1650% | 2,601 |
| Cash dividends to net income (ytd only)* | 41.2807% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,788 |
| Loan loss allowance to noncurrent loans | 195.1557% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 1,736 |
| Noncurrent loans to loans | 0.6054% | 1,398 |
| Net loans and leases to total assets | 51.8770% | 3,170 |
| Net loans and leases to deposits | 55.3902% | 3,428 |
| Net loans and leases to core deposits | 56.2417% | 3,549 |
| Total domestic deposits to total assets | 93.6575% | 356 |
| Equity capital to assets | 5.7729% | 4,280 |
| Core capital (leverage) ratio | 7.4818% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5537% | 1,558 |
| Memoranda: | ||
| Average total assets | $359,476,000 | 2,203 |
| Average earning assets | $335,462,333 | 2,204 |
| Average equity | $23,178,000 | 2,805 |
| Average total loans | $188,559,000 | 2,313 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7699% | 3,805 |
| Cost of funding earning assets | 0.0708% | 4,441 |
| Net interest margin | 2.6992% | 3,400 |
| Noninterest income to average assets | 0.4310% | 2,494 |
| Noninterest expense to average assets | 2.5253% | 1,817 |
| Loan and lease loss provision to assets | 0.0336% | 1,757 |
| Net operating income to assets | 0.3325% | 4,085 |
| Return on assets (ROA) | 0.3325% | 4,054 |
| Pretax return on assets | 0.3907% | 4,047 |
| Return on Equity (ROE) | 4.8953% | 3,653 |
| Retained earnings to average equity (ytd only) | 2.3900% | 3,438 |
| Net charge-offs to loans | -0.1046% | 4,470 |
| Credit loss provision to net charge-offs | -61.2245% | 2,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6167% | 757 |
| Assets per employee ($millions) | 5.8848% | 2,916 |
| Cash dividends to net income (ytd only)* | 51.1785% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,878 |
| Loan loss allowance to noncurrent loans | 247.6615% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 2,146 |
| Noncurrent loans to loans | 0.4835% | 1,821 |
| Net loans and leases to total assets | 51.1250% | 3,056 |
| Net loans and leases to deposits | 54.8717% | 3,354 |
| Net loans and leases to core deposits | 55.6815% | 3,472 |
| Total domestic deposits to total assets | 93.1719% | 232 |
| Equity capital to assets | 6.2980% | 4,496 |
| Core capital (leverage) ratio | 7.4409% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9992% | 1,511 |
| Memoranda: | ||
| Average total assets | $357,345,500 | 2,223 |
| Average earning assets | $333,436,000 | 2,214 |
| Average equity | $24,268,000 | 2,820 |
| Average total loans | $187,362,500 | 2,313 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9548% | 3,951 |
| Cost of funding earning assets | 0.0994% | 4,389 |
| Net interest margin | 2.8554% | 3,543 |
| Noninterest income to average assets | 0.4334% | 2,891 |
| Noninterest expense to average assets | 2.5993% | 1,874 |
| Loan and lease loss provision to assets | 0.0358% | 2,331 |
| Net operating income to assets | 0.4020% | 4,273 |
| Return on assets (ROA) | 0.4020% | 4,306 |
| Pretax return on assets | 0.4480% | 4,333 |
| Return on Equity (ROE) | 5.1824% | 3,957 |
| Retained earnings to average equity (ytd only) | 2.8509% | 3,706 |
| Net charge-offs to loans | 0.0027% | 2,525 |
| Credit loss provision to net charge-offs | 2,400.0000% | 274 |
| Earnings coverage of net charge-offs (x) | 324.2000% | 381 |
| Efficiency ratio | 84.3078% | 557 |
| Assets per employee ($millions) | 6.2407% | 2,537 |
| Cash dividends to net income (ytd only)* | 44.9889% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 3,197 |
| Loan loss allowance to noncurrent loans | 289.4737% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 2,519 |
| Noncurrent loans to loans | 0.3921% | 2,186 |
| Net loans and leases to total assets | 52.5222% | 3,006 |
| Net loans and leases to deposits | 56.9874% | 3,340 |
| Net loans and leases to core deposits | 57.8520% | 3,486 |
| Total domestic deposits to total assets | 92.1646% | 143 |
| Equity capital to assets | 7.2889% | 4,657 |
| Core capital (leverage) ratio | 7.5281% | 4,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0821% | 1,485 |
| Memoranda: | ||
| Average total assets | $335,048,000 | 2,272 |
| Average earning assets | $310,921,600 | 2,278 |
| Average equity | $25,991,800 | 2,783 |
| Average total loans | $183,536,200 | 2,357 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9930% | 4,013 |
| Cost of funding earning assets | 0.1060% | 4,449 |
| Net interest margin | 2.8869% | 3,581 |
| Noninterest income to average assets | 0.4401% | 2,887 |
| Noninterest expense to average assets | 2.5916% | 1,867 |
| Loan and lease loss provision to assets | 0.0364% | 2,264 |
| Net operating income to assets | 0.4135% | 4,353 |
| Return on assets (ROA) | 0.4135% | 4,385 |
| Pretax return on assets | 0.4866% | 4,384 |
| Return on Equity (ROE) | 5.2445% | 4,076 |
| Retained earnings to average equity (ytd only) | 2.9170% | 3,936 |
| Net charge-offs to loans | 0.0044% | 2,184 |
| Credit loss provision to net charge-offs | 1,500.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 215.6667% | 528 |
| Efficiency ratio | 83.2079% | 565 |
| Assets per employee ($millions) | 6.4387% | 2,305 |
| Cash dividends to net income (ytd only)* | 44.3793% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 3,285 |
| Loan loss allowance to noncurrent loans | 403.4351% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 3,103 |
| Noncurrent loans to loans | 0.2808% | 2,794 |
| Net loans and leases to total assets | 53.0684% | 3,075 |
| Net loans and leases to deposits | 57.7359% | 3,431 |
| Net loans and leases to core deposits | 58.5643% | 3,581 |
| Total domestic deposits to total assets | 91.9158% | 142 |
| Equity capital to assets | 7.5314% | 4,695 |
| Core capital (leverage) ratio | 7.6085% | 4,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2885% | 1,543 |
| Memoranda: | ||
| Average total assets | $329,880,000 | 2,321 |
| Average earning assets | $305,599,250 | 2,330 |
| Average equity | $26,007,750 | 2,817 |
| Average total loans | $182,176,000 | 2,407 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0970% | 3,878 |
| Cost of funding earning assets | 0.1141% | 4,475 |
| Net interest margin | 2.9829% | 3,368 |
| Noninterest income to average assets | 0.4390% | 2,911 |
| Noninterest expense to average assets | 2.5616% | 1,959 |
| Loan and lease loss provision to assets | 0.0370% | 2,251 |
| Net operating income to assets | 0.5100% | 4,200 |
| Return on assets (ROA) | 0.5100% | 4,244 |
| Pretax return on assets | 0.6007% | 4,238 |
| Return on Equity (ROE) | 6.3665% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.0311% | 3,505 |
| Net charge-offs to loans | 0.0066% | 1,893 |
| Credit loss provision to net charge-offs | 1,000.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 172.1667% | 542 |
| Efficiency ratio | 80.0656% | 774 |
| Assets per employee ($millions) | 6.1663% | 2,467 |
| Cash dividends to net income (ytd only)* | 36.6828% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 3,240 |
| Loan loss allowance to noncurrent loans | 406.2378% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 3,245 |
| Noncurrent loans to loans | 0.2810% | 2,930 |
| Net loans and leases to total assets | 53.2112% | 3,231 |
| Net loans and leases to deposits | 57.9991% | 3,548 |
| Net loans and leases to core deposits | 58.6881% | 3,712 |
| Total domestic deposits to total assets | 91.7448% | 182 |
| Equity capital to assets | 7.6837% | 4,682 |
| Core capital (leverage) ratio | 8.0115% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,943,000 | 2,339 |
| Average earning assets | $299,777,000 | 2,354 |
| Average equity | $25,948,333 | 2,812 |
| Average total loans | $180,692,000 | 2,431 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3817% | 3,255 |
| Cost of funding earning assets | 0.1265% | 4,486 |
| Net interest margin | 3.2552% | 2,532 |
| Noninterest income to average assets | 0.4223% | 2,979 |
| Noninterest expense to average assets | 2.6263% | 1,814 |
| Loan and lease loss provision to assets | 0.0379% | 2,269 |
| Net operating income to assets | 0.6385% | 3,842 |
| Return on assets (ROA) | 0.6385% | 3,908 |
| Pretax return on assets | 0.7524% | 3,910 |
| Return on Equity (ROE) | 7.8013% | 3,389 |
| Retained earnings to average equity (ytd only) | 5.4687% | 3,074 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8690% | 1,049 |
| Assets per employee ($millions) | 5.3503% | 3,276 |
| Cash dividends to net income (ytd only)* | 29.9010% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 3,205 |
| Loan loss allowance to noncurrent loans | 635.8025% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 3,693 |
| Noncurrent loans to loans | 0.1804% | 3,459 |
| Net loans and leases to total assets | 54.4004% | 3,201 |
| Net loans and leases to deposits | 59.4344% | 3,524 |
| Net loans and leases to core deposits | 60.1675% | 3,686 |
| Total domestic deposits to total assets | 91.5301% | 235 |
| Equity capital to assets | 7.8779% | 4,559 |
| Core capital (leverage) ratio | 8.3159% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,342,000 | 2,366 |
| Average earning assets | $290,980,500 | 2,378 |
| Average equity | $25,893,000 | 2,802 |
| Average total loans | $179,764,500 | 2,438 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4286% | 4,157 |
| Cost of funding earning assets | 0.2309% | 4,460 |
| Net interest margin | 3.1977% | 3,367 |
| Noninterest income to average assets | 0.5000% | 2,634 |
| Noninterest expense to average assets | 2.8656% | 1,774 |
| Loan and lease loss provision to assets | 0.0344% | 3,974 |
| Net operating income to assets | 0.4888% | 4,049 |
| Return on assets (ROA) | 0.4888% | 4,135 |
| Pretax return on assets | 0.5477% | 4,181 |
| Return on Equity (ROE) | 5.4323% | 3,771 |
| Retained earnings to average equity (ytd only) | 1.2587% | 4,123 |
| Net charge-offs to loans | 0.0197% | 2,678 |
| Credit loss provision to net charge-offs | 269.4444% | 1,849 |
| Earnings coverage of net charge-offs (x) | 46.1111% | 1,276 |
| Efficiency ratio | 83.1164% | 686 |
| Assets per employee ($millions) | 5.5694% | 2,772 |
| Cash dividends to net income (ytd only)* | 76.8293% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 3,318 |
| Loan loss allowance to noncurrent loans | 453.9150% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 3,558 |
| Noncurrent loans to loans | 0.2484% | 3,306 |
| Net loans and leases to total assets | 58.0755% | 3,077 |
| Net loans and leases to deposits | 63.9088% | 3,448 |
| Net loans and leases to core deposits | 64.6904% | 3,649 |
| Total domestic deposits to total assets | 90.8725% | 256 |
| Equity capital to assets | 8.5125% | 4,433 |
| Core capital (leverage) ratio | 8.5628% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,173,600 | 2,370 |
| Average earning assets | $262,878,200 | 2,381 |
| Average equity | $25,661,400 | 2,757 |
| Average total loans | $183,085,000 | 2,385 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 4,206 |
| Cost of funding earning assets | 0.2511% | 4,507 |
| Net interest margin | 3.2518% | 3,329 |
| Noninterest income to average assets | 0.5102% | 2,565 |
| Noninterest expense to average assets | 2.8649% | 1,789 |
| Loan and lease loss provision to assets | 0.0325% | 3,929 |
| Net operating income to assets | 0.5250% | 3,969 |
| Return on assets (ROA) | 0.5250% | 4,064 |
| Pretax return on assets | 0.6174% | 4,074 |
| Return on Equity (ROE) | 5.7489% | 3,639 |
| Retained earnings to average equity (ytd only) | 0.9495% | 4,271 |
| Net charge-offs to loans | -0.0007% | 3,798 |
| Credit loss provision to net charge-offs | -6,700.0000% | 4,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5126% | 754 |
| Assets per employee ($millions) | 5.0108% | 3,238 |
| Cash dividends to net income (ytd only)* | 83.4846% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 3,257 |
| Loan loss allowance to noncurrent loans | 356.1189% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 3,467 |
| Noncurrent loans to loans | 0.3063% | 3,181 |
| Net loans and leases to total assets | 62.4682% | 2,949 |
| Net loans and leases to deposits | 68.9802% | 3,396 |
| Net loans and leases to core deposits | 70.0953% | 3,621 |
| Total domestic deposits to total assets | 90.5596% | 271 |
| Equity capital to assets | 8.7784% | 4,270 |
| Core capital (leverage) ratio | 8.6531% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,888,250 | 2,381 |
| Average earning assets | $258,602,500 | 2,385 |
| Average equity | $25,558,000 | 2,758 |
| Average total loans | $183,875,500 | 2,384 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5928% | 4,270 |
| Cost of funding earning assets | 0.2778% | 4,543 |
| Net interest margin | 3.3150% | 3,344 |
| Noninterest income to average assets | 0.4595% | 2,767 |
| Noninterest expense to average assets | 3.0309% | 1,504 |
| Loan and lease loss provision to assets | 0.0277% | 3,907 |
| Net operating income to assets | 0.4056% | 4,222 |
| Return on assets (ROA) | 0.4056% | 4,283 |
| Pretax return on assets | 0.4777% | 4,285 |
| Return on Equity (ROE) | 4.3812% | 3,999 |
| Retained earnings to average equity (ytd only) | -1.6597% | 4,554 |
| Net charge-offs to loans | -0.0011% | 3,762 |
| Credit loss provision to net charge-offs | -3,700.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7084% | 553 |
| Assets per employee ($millions) | 4.4117% | 3,895 |
| Cash dividends to net income (ytd only)* | 137.8815% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 3,239 |
| Loan loss allowance to noncurrent loans | 435.1410% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 3,755 |
| Noncurrent loans to loans | 0.2455% | 3,497 |
| Net loans and leases to total assets | 61.9296% | 3,135 |
| Net loans and leases to deposits | 68.1645% | 3,550 |
| Net loans and leases to core deposits | 69.3137% | 3,752 |
| Total domestic deposits to total assets | 90.8532% | 187 |
| Equity capital to assets | 8.4918% | 4,482 |
| Core capital (leverage) ratio | 8.8928% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,639,333 | 2,381 |
| Average earning assets | $254,901,333 | 2,382 |
| Average equity | $25,426,667 | 2,753 |
| Average total loans | $182,929,000 | 2,375 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 4,091 |
| Cost of funding earning assets | 0.3005% | 4,658 |
| Net interest margin | 3.5715% | 2,763 |
| Noninterest income to average assets | 0.5131% | 2,483 |
| Noninterest expense to average assets | 3.2524% | 1,311 |
| Loan and lease loss provision to assets | 0.0229% | 3,520 |
| Net operating income to assets | 0.4596% | 3,995 |
| Return on assets (ROA) | 0.4596% | 4,050 |
| Pretax return on assets | 0.5405% | 4,053 |
| Return on Equity (ROE) | 4.7397% | 3,726 |
| Retained earnings to average equity (ytd only) | -4.9286% | 4,513 |
| Net charge-offs to loans | -0.0022% | 3,671 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2341% | 755 |
| Assets per employee ($millions) | 4.4699% | 3,307 |
| Cash dividends to net income (ytd only)* | 203.9867% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,200 |
| Loan loss allowance to noncurrent loans | 420.3390% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 3,773 |
| Noncurrent loans to loans | 0.2618% | 3,557 |
| Net loans and leases to total assets | 67.6121% | 2,596 |
| Net loans and leases to deposits | 75.3604% | 3,134 |
| Net loans and leases to core deposits | 76.6919% | 3,451 |
| Total domestic deposits to total assets | 89.7183% | 410 |
| Equity capital to assets | 9.6078% | 4,127 |
| Core capital (leverage) ratio | 9.6752% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,960,500 | 2,419 |
| Average earning assets | $242,249,500 | 2,429 |
| Average equity | $25,402,500 | 2,751 |
| Average total loans | $180,497,000 | 2,354 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 4,254 |
| Cost of funding earning assets | 0.3372% | 4,634 |
| Net interest margin | 3.6637% | 2,919 |
| Noninterest income to average assets | 0.5975% | 2,234 |
| Noninterest expense to average assets | 3.0244% | 1,955 |
| Loan and lease loss provision to assets | 0.0344% | 3,324 |
| Net operating income to assets | 0.7761% | 3,627 |
| Return on assets (ROA) | 0.7761% | 3,704 |
| Pretax return on assets | 0.9176% | 3,684 |
| Return on Equity (ROE) | 8.2519% | 3,056 |
| Retained earnings to average equity (ytd only) | 5.8564% | 1,944 |
| Net charge-offs to loans | -0.0150% | 4,571 |
| Credit loss provision to net charge-offs | -346.1538% | 4,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0581% | 1,359 |
| Assets per employee ($millions) | 4.4102% | 3,357 |
| Cash dividends to net income (ytd only)* | 29.0291% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 3,011 |
| Loan loss allowance to noncurrent loans | 406.6116% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 3,724 |
| Noncurrent loans to loans | 0.2678% | 3,486 |
| Net loans and leases to total assets | 68.6913% | 2,584 |
| Net loans and leases to deposits | 76.8355% | 3,102 |
| Net loans and leases to core deposits | 78.3997% | 3,426 |
| Total domestic deposits to total assets | 89.4004% | 526 |
| Equity capital to assets | 9.7875% | 4,117 |
| Core capital (leverage) ratio | 9.7882% | 3,741 |
| Tier 1 risk-based capital ratio | 15.7721% | 2,481 |
| Total risk-based capital ratio | 16.9916% | 2,425 |
| Memoranda: | ||
| Average total assets | $261,440,800 | 2,390 |
| Average earning assets | $241,120,800 | 2,401 |
| Average equity | $24,588,400 | 2,744 |
| Average total loans | $173,771,800 | 2,382 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9678% | 4,423 |
| Cost of funding earning assets | 0.3509% | 4,653 |
| Net interest margin | 3.6169% | 3,205 |
| Noninterest income to average assets | 0.5914% | 2,251 |
| Noninterest expense to average assets | 3.0659% | 1,786 |
| Loan and lease loss provision to assets | 0.0382% | 3,136 |
| Net operating income to assets | 0.6978% | 4,024 |
| Return on assets (ROA) | 0.6978% | 4,082 |
| Pretax return on assets | 0.8211% | 4,070 |
| Return on Equity (ROE) | 7.4957% | 3,506 |
| Retained earnings to average equity (ytd only) | 5.0774% | 2,857 |
| Net charge-offs to loans | -0.0147% | 4,495 |
| Credit loss provision to net charge-offs | -394.7368% | 4,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1080% | 1,095 |
| Assets per employee ($millions) | 4.2561% | 3,541 |
| Cash dividends to net income (ytd only)* | 32.2629% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 3,000 |
| Loan loss allowance to noncurrent loans | 335.5172% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 3,671 |
| Noncurrent loans to loans | 0.3297% | 3,352 |
| Net loans and leases to total assets | 68.1160% | 2,773 |
| Net loans and leases to deposits | 76.3138% | 3,261 |
| Net loans and leases to core deposits | 77.9991% | 3,550 |
| Total domestic deposits to total assets | 89.2578% | 534 |
| Equity capital to assets | 9.7824% | 4,224 |
| Core capital (leverage) ratio | 9.5637% | 4,100 |
| Tier 1 risk-based capital ratio | 15.7032% | 2,559 |
| Total risk-based capital ratio | 16.9284% | 2,504 |
| Memoranda: | ||
| Average total assets | $261,751,250 | 2,404 |
| Average earning assets | $241,268,250 | 2,416 |
| Average equity | $24,368,750 | 2,776 |
| Average total loans | $172,039,250 | 2,427 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9112% | 4,532 |
| Cost of funding earning assets | 0.3552% | 4,666 |
| Net interest margin | 3.5560% | 3,416 |
| Noninterest income to average assets | 0.5669% | 2,302 |
| Noninterest expense to average assets | 2.9983% | 2,012 |
| Loan and lease loss provision to assets | 0.0455% | 2,909 |
| Net operating income to assets | 0.6745% | 4,085 |
| Return on assets (ROA) | 0.6745% | 4,139 |
| Pretax return on assets | 0.7935% | 4,108 |
| Return on Equity (ROE) | 7.3661% | 3,545 |
| Retained earnings to average equity (ytd only) | 4.9245% | 2,810 |
| Net charge-offs to loans | -0.0305% | 4,690 |
| Credit loss provision to net charge-offs | -230.7692% | 4,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1355% | 1,131 |
| Assets per employee ($millions) | 4.4252% | 3,249 |
| Cash dividends to net income (ytd only)* | 33.1461% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 2,884 |
| Loan loss allowance to noncurrent loans | 407.1429% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 3,867 |
| Noncurrent loans to loans | 0.2784% | 3,537 |
| Net loans and leases to total assets | 63.6604% | 3,377 |
| Net loans and leases to deposits | 70.7936% | 3,781 |
| Net loans and leases to core deposits | 72.1465% | 3,995 |
| Total domestic deposits to total assets | 89.9239% | 355 |
| Equity capital to assets | 9.2773% | 4,592 |
| Core capital (leverage) ratio | 9.2638% | 4,394 |
| Tier 1 risk-based capital ratio | 15.7356% | 2,526 |
| Total risk-based capital ratio | 16.9748% | 2,473 |
| Memoranda: | ||
| Average total assets | $263,879,670 | 2,392 |
| Average earning assets | $242,690,670 | 2,410 |
| Average equity | $24,164,670 | 2,785 |
| Average total loans | $170,755,330 | 2,448 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 4,670 |
| Cost of funding earning assets | 0.3365% | 4,717 |
| Net interest margin | 3.4890% | 3,619 |
| Noninterest income to average assets | 0.5763% | 2,158 |
| Noninterest expense to average assets | 3.1506% | 1,616 |
| Loan and lease loss provision to assets | 0.0456% | 2,734 |
| Net operating income to assets | 0.4927% | 4,542 |
| Return on assets (ROA) | 0.4927% | 4,561 |
| Pretax return on assets | 0.5808% | 4,551 |
| Return on Equity (ROE) | 5.4156% | 4,215 |
| Retained earnings to average equity (ytd only) | 2.9585% | 3,749 |
| Net charge-offs to loans | -0.0586% | 4,877 |
| Credit loss provision to net charge-offs | -120.0000% | 3,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4138% | 758 |
| Assets per employee ($millions) | 4.4483% | 3,260 |
| Cash dividends to net income (ytd only)* | 45.3704% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 3,041 |
| Loan loss allowance to noncurrent loans | 391.5811% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 3,905 |
| Noncurrent loans to loans | 0.2848% | 3,542 |
| Net loans and leases to total assets | 63.3449% | 3,367 |
| Net loans and leases to deposits | 70.2158% | 3,752 |
| Net loans and leases to core deposits | 71.5431% | 3,978 |
| Total domestic deposits to total assets | 90.2147% | 379 |
| Equity capital to assets | 9.0315% | 4,658 |
| Core capital (leverage) ratio | 9.2741% | 4,389 |
| Tier 1 risk-based capital ratio | 15.5730% | 2,616 |
| Total risk-based capital ratio | 16.8007% | 2,548 |
| Memoranda: | ||
| Average total assets | $263,065,000 | 2,420 |
| Average earning assets | $241,327,500 | 2,438 |
| Average equity | $23,931,000 | 2,812 |
| Average total loans | $170,652,000 | 2,469 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7821% | 4,532 |
| Cost of funding earning assets | 0.2151% | 4,947 |
| Net interest margin | 3.5670% | 3,491 |
| Noninterest income to average assets | 0.5634% | 2,475 |
| Noninterest expense to average assets | 2.9339% | 2,231 |
| Loan and lease loss provision to assets | 0.0660% | 2,835 |
| Net operating income to assets | 0.7209% | 4,077 |
| Return on assets (ROA) | 0.7209% | 4,083 |
| Pretax return on assets | 0.8512% | 4,034 |
| Return on Equity (ROE) | 8.0781% | 3,398 |
| Retained earnings to average equity (ytd only) | 5.5173% | 2,476 |
| Net charge-offs to loans | 0.0012% | 3,731 |
| Credit loss provision to net charge-offs | 8,500.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 1,182.0000% | 91 |
| Efficiency ratio | 76.1838% | 1,334 |
| Assets per employee ($millions) | 4.2497% | 3,537 |
| Cash dividends to net income (ytd only)* | 31.7008% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 3,186 |
| Loan loss allowance to noncurrent loans | 367.4603% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 3,851 |
| Noncurrent loans to loans | 0.2959% | 3,502 |
| Net loans and leases to total assets | 64.9915% | 3,256 |
| Net loans and leases to deposits | 72.1935% | 3,655 |
| Net loans and leases to core deposits | 73.5172% | 3,887 |
| Total domestic deposits to total assets | 90.0240% | 471 |
| Equity capital to assets | 9.1644% | 4,434 |
| Core capital (leverage) ratio | 9.3846% | 4,256 |
| Tier 1 risk-based capital ratio | 15.7263% | 2,520 |
| Total risk-based capital ratio | 16.9391% | 2,466 |
| Memoranda: | ||
| Average total assets | $257,742,400 | 2,422 |
| Average earning assets | $237,567,200 | 2,431 |
| Average equity | $23,000,400 | 2,819 |
| Average total loans | $167,923,000 | 2,457 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7427% | 4,561 |
| Cost of funding earning assets | 0.1889% | 5,055 |
| Net interest margin | 3.5538% | 3,511 |
| Noninterest income to average assets | 0.5491% | 2,572 |
| Noninterest expense to average assets | 2.9679% | 2,120 |
| Loan and lease loss provision to assets | 0.0622% | 2,733 |
| Net operating income to assets | 0.6859% | 4,269 |
| Return on assets (ROA) | 0.6859% | 4,283 |
| Pretax return on assets | 0.8030% | 4,282 |
| Return on Equity (ROE) | 7.7387% | 3,648 |
| Retained earnings to average equity (ytd only) | 5.1552% | 3,153 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4294% | 1,180 |
| Assets per employee ($millions) | 4.1589% | 3,635 |
| Cash dividends to net income (ytd only)* | 33.3837% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,356 |
| Loan loss allowance to noncurrent loans | 320.4263% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 3,838 |
| Noncurrent loans to loans | 0.3337% | 3,471 |
| Net loans and leases to total assets | 65.7911% | 3,204 |
| Net loans and leases to deposits | 74.5372% | 3,548 |
| Net loans and leases to core deposits | 75.7163% | 3,826 |
| Total domestic deposits to total assets | 88.2660% | 1,133 |
| Equity capital to assets | 9.1442% | 4,423 |
| Core capital (leverage) ratio | 9.2603% | 4,446 |
| Tier 1 risk-based capital ratio | 15.5336% | 2,639 |
| Total risk-based capital ratio | 16.7196% | 2,597 |
| Memoranda: | ||
| Average total assets | $257,370,250 | 2,437 |
| Average earning assets | $237,827,250 | 2,440 |
| Average equity | $22,811,250 | 2,841 |
| Average total loans | $167,321,250 | 2,476 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6768% | 4,638 |
| Cost of funding earning assets | 0.1895% | 5,077 |
| Net interest margin | 3.4873% | 3,675 |
| Noninterest income to average assets | 0.5414% | 2,622 |
| Noninterest expense to average assets | 2.9173% | 2,303 |
| Loan and lease loss provision to assets | 0.0696% | 2,490 |
| Net operating income to assets | 0.6597% | 4,322 |
| Return on assets (ROA) | 0.6597% | 4,324 |
| Pretax return on assets | 0.7711% | 4,331 |
| Return on Equity (ROE) | 7.5213% | 3,713 |
| Retained earnings to average equity (ytd only) | 4.9289% | 3,111 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6291% | 1,231 |
| Assets per employee ($millions) | 4.6018% | 2,967 |
| Cash dividends to net income (ytd only)* | 34.4666% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 3,462 |
| Loan loss allowance to noncurrent loans | 329.1280% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 3,722 |
| Noncurrent loans to loans | 0.3235% | 3,547 |
| Net loans and leases to total assets | 63.9629% | 3,404 |
| Net loans and leases to deposits | 70.7991% | 3,794 |
| Net loans and leases to core deposits | 72.0998% | 3,999 |
| Total domestic deposits to total assets | 90.3441% | 453 |
| Equity capital to assets | 8.9093% | 4,633 |
| Core capital (leverage) ratio | 9.0427% | 4,656 |
| Tier 1 risk-based capital ratio | 15.5970% | 2,585 |
| Total risk-based capital ratio | 16.7843% | 2,564 |
| Memoranda: | ||
| Average total assets | $258,596,670 | 2,435 |
| Average earning assets | $238,521,330 | 2,446 |
| Average equity | $22,682,330 | 2,869 |
| Average total loans | $166,858,330 | 2,491 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 4,493 |
| Cost of funding earning assets | 0.2244% | 4,868 |
| Net interest margin | 3.4629% | 3,664 |
| Noninterest income to average assets | 0.5451% | 2,546 |
| Noninterest expense to average assets | 3.0867% | 1,863 |
| Loan and lease loss provision to assets | 0.0695% | 2,375 |
| Net operating income to assets | 0.5065% | 4,678 |
| Return on assets (ROA) | 0.5065% | 4,684 |
| Pretax return on assets | 0.5821% | 4,730 |
| Return on Equity (ROE) | 5.8197% | 4,219 |
| Retained earnings to average equity (ytd only) | 3.2115% | 3,923 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5692% | 899 |
| Assets per employee ($millions) | 4.4166% | 3,298 |
| Cash dividends to net income (ytd only)* | 44.8171% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 3,703 |
| Loan loss allowance to noncurrent loans | 251.6739% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 3,812 |
| Noncurrent loans to loans | 0.4147% | 3,296 |
| Net loans and leases to total assets | 62.9126% | 3,430 |
| Net loans and leases to deposits | 71.0135% | 3,698 |
| Net loans and leases to core deposits | 72.3090% | 3,929 |
| Total domestic deposits to total assets | 88.5925% | 1,311 |
| Equity capital to assets | 8.6645% | 4,847 |
| Core capital (leverage) ratio | 8.9291% | 4,763 |
| Tier 1 risk-based capital ratio | 15.2793% | 2,748 |
| Total risk-based capital ratio | 16.4316% | 2,728 |
| Memoranda: | ||
| Average total assets | $259,046,000 | 2,451 |
| Average earning assets | $238,874,000 | 2,459 |
| Average equity | $22,544,000 | 2,906 |
| Average total loans | $166,985,000 | 2,507 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5517% | 4,691 |
| Cost of funding earning assets | 0.2404% | 4,642 |
| Net interest margin | 3.3113% | 4,123 |
| Noninterest income to average assets | 0.6114% | 2,395 |
| Noninterest expense to average assets | 2.9295% | 2,354 |
| Loan and lease loss provision to assets | 0.1455% | 1,565 |
| Net operating income to assets | 0.3010% | 4,926 |
| Return on assets (ROA) | 0.3010% | 4,942 |
| Pretax return on assets | 0.5952% | 4,750 |
| Return on Equity (ROE) | 3.3583% | 4,725 |
| Retained earnings to average equity (ytd only) | 0.7478% | 4,743 |
| Net charge-offs to loans | 0.1030% | 2,036 |
| Credit loss provision to net charge-offs | 223.7805% | 1,230 |
| Earnings coverage of net charge-offs (x) | 11.3902% | 2,578 |
| Efficiency ratio | 79.8185% | 1,122 |
| Assets per employee ($millions) | 4.2918% | 3,497 |
| Cash dividends to net income (ytd only)* | 77.7339% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,941 |
| Loan loss allowance to noncurrent loans | 229.1156% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 3,746 |
| Noncurrent loans to loans | 0.4367% | 3,215 |
| Net loans and leases to total assets | 64.7035% | 3,268 |
| Net loans and leases to deposits | 73.1576% | 3,583 |
| Net loans and leases to core deposits | 74.1721% | 3,868 |
| Total domestic deposits to total assets | 88.4439% | 1,275 |
| Equity capital to assets | 8.7414% | 4,934 |
| Core capital (leverage) ratio | 8.8053% | 4,856 |
| Tier 1 risk-based capital ratio | 15.0677% | 2,821 |
| Total risk-based capital ratio | 16.1852% | 2,810 |
| Memoranda: | ||
| Average total assets | $252,189,000 | 2,476 |
| Average earning assets | $232,960,400 | 2,478 |
| Average equity | $22,601,000 | 2,894 |
| Average total loans | $159,209,400 | 2,556 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5140% | 4,778 |
| Cost of funding earning assets | 0.2412% | 4,650 |
| Net interest margin | 3.2728% | 4,252 |
| Noninterest income to average assets | 0.6133% | 2,399 |
| Noninterest expense to average assets | 2.9610% | 2,215 |
| Loan and lease loss provision to assets | 0.1106% | 1,932 |
| Net operating income to assets | 0.4667% | 4,834 |
| Return on assets (ROA) | 0.4667% | 4,867 |
| Pretax return on assets | 0.5639% | 4,902 |
| Return on Equity (ROE) | 5.1744% | 4,460 |
| Retained earnings to average equity (ytd only) | 2.5695% | 4,346 |
| Net charge-offs to loans | 0.0323% | 2,787 |
| Credit loss provision to net charge-offs | 547.3684% | 577 |
| Earnings coverage of net charge-offs (x) | 33.3918% | 1,466 |
| Efficiency ratio | 81.4474% | 963 |
| Assets per employee ($millions) | 4.3064% | 3,458 |
| Cash dividends to net income (ytd only)* | 50.3417% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 4,025 |
| Loan loss allowance to noncurrent loans | 137.2402% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 3,027 |
| Noncurrent loans to loans | 0.7319% | 2,528 |
| Net loans and leases to total assets | 62.9764% | 3,554 |
| Net loans and leases to deposits | 72.8232% | 3,687 |
| Net loans and leases to core deposits | 73.8527% | 3,985 |
| Total domestic deposits to total assets | 86.4785% | 2,107 |
| Equity capital to assets | 8.8753% | 5,014 |
| Core capital (leverage) ratio | 8.9057% | 4,856 |
| Tier 1 risk-based capital ratio | 14.8251% | 3,002 |
| Total risk-based capital ratio | 15.8906% | 3,025 |
| Memoranda: | ||
| Average total assets | $250,858,750 | 2,502 |
| Average earning assets | $231,640,000 | 2,498 |
| Average equity | $22,623,750 | 2,914 |
| Average total loans | $156,936,250 | 2,598 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4767% | 4,821 |
| Cost of funding earning assets | 0.2444% | 4,594 |
| Net interest margin | 3.2323% | 4,321 |
| Noninterest income to average assets | 0.6217% | 2,370 |
| Noninterest expense to average assets | 2.9136% | 2,379 |
| Loan and lease loss provision to assets | 0.1047% | 1,934 |
| Net operating income to assets | 0.4808% | 4,757 |
| Return on assets (ROA) | 0.4808% | 4,789 |
| Pretax return on assets | 0.5855% | 4,836 |
| Return on Equity (ROE) | 5.3017% | 4,354 |
| Retained earnings to average equity (ytd only) | 2.6908% | 4,091 |
| Net charge-offs to loans | 0.0492% | 2,237 |
| Credit loss provision to net charge-offs | 342.1053% | 878 |
| Earnings coverage of net charge-offs (x) | 22.5526% | 1,707 |
| Efficiency ratio | 80.8492% | 1,119 |
| Assets per employee ($millions) | 4.3429% | 3,358 |
| Cash dividends to net income (ytd only)* | 49.2462% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 4,225 |
| Loan loss allowance to noncurrent loans | 177.9412% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 3,526 |
| Noncurrent loans to loans | 0.5554% | 3,072 |
| Net loans and leases to total assets | 62.5614% | 3,565 |
| Net loans and leases to deposits | 71.0222% | 3,828 |
| Net loans and leases to core deposits | 72.0335% | 4,092 |
| Total domestic deposits to total assets | 88.0871% | 1,412 |
| Equity capital to assets | 9.0513% | 4,854 |
| Core capital (leverage) ratio | 9.1512% | 4,555 |
| Tier 1 risk-based capital ratio | 15.3587% | 2,775 |
| Total risk-based capital ratio | 16.4165% | 2,791 |
| Memoranda: | ||
| Average total assets | $248,351,330 | 2,534 |
| Average earning assets | $229,128,000 | 2,538 |
| Average equity | $22,521,000 | 2,925 |
| Average total loans | $154,458,330 | 2,635 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3825% | 4,967 |
| Cost of funding earning assets | 0.2495% | 4,543 |
| Net interest margin | 3.1330% | 4,552 |
| Noninterest income to average assets | 0.5824% | 2,497 |
| Noninterest expense to average assets | 3.0399% | 2,053 |
| Loan and lease loss provision to assets | 0.0779% | 2,255 |
| Net operating income to assets | 0.2904% | 5,220 |
| Return on assets (ROA) | 0.2904% | 5,234 |
| Pretax return on assets | 0.3569% | 5,227 |
| Return on Equity (ROE) | 3.1990% | 5,045 |
| Retained earnings to average equity (ytd only) | 0.5719% | 4,785 |
| Net charge-offs to loans | 0.0342% | 2,093 |
| Credit loss provision to net charge-offs | 369.2308% | 690 |
| Earnings coverage of net charge-offs (x) | 20.6154% | 1,477 |
| Efficiency ratio | 87.4883% | 698 |
| Assets per employee ($millions) | 4.4401% | 3,272 |
| Cash dividends to net income (ytd only)* | 82.1229% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 4,424 |
| Loan loss allowance to noncurrent loans | 123.5534% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 3,255 |
| Noncurrent loans to loans | 0.7886% | 2,483 |
| Net loans and leases to total assets | 61.9663% | 3,540 |
| Net loans and leases to deposits | 70.4369% | 3,756 |
| Net loans and leases to core deposits | 71.5573% | 4,024 |
| Total domestic deposits to total assets | 87.9742% | 1,729 |
| Equity capital to assets | 9.0337% | 4,774 |
| Core capital (leverage) ratio | 9.2312% | 4,433 |
| Tier 1 risk-based capital ratio | 15.3787% | 2,804 |
| Total risk-based capital ratio | 16.4117% | 2,825 |
| Memoranda: | ||
| Average total assets | $246,583,500 | 2,567 |
| Average earning assets | $227,639,500 | 2,571 |
| Average equity | $22,382,000 | 2,955 |
| Average total loans | $152,109,000 | 2,669 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5210% | 4,729 |
| Cost of funding earning assets | 0.2919% | 4,154 |
| Net interest margin | 3.2291% | 4,357 |
| Noninterest income to average assets | 0.6605% | 2,367 |
| Noninterest expense to average assets | 2.9134% | 2,625 |
| Loan and lease loss provision to assets | 0.0710% | 2,941 |
| Net operating income to assets | 0.5276% | 4,519 |
| Return on assets (ROA) | 0.5276% | 4,611 |
| Pretax return on assets | 0.6436% | 4,665 |
| Return on Equity (ROE) | 5.6678% | 4,131 |
| Retained earnings to average equity (ytd only) | 3.0078% | 3,762 |
| Net charge-offs to loans | 0.1023% | 2,251 |
| Credit loss provision to net charge-offs | 113.4228% | 2,320 |
| Earnings coverage of net charge-offs (x) | 11.4094% | 2,542 |
| Efficiency ratio | 80.3013% | 1,384 |
| Assets per employee ($millions) | 4.2158% | 3,595 |
| Cash dividends to net income (ytd only)* | 46.9323% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 4,354 |
| Loan loss allowance to noncurrent loans | 142.1305% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 3,392 |
| Noncurrent loans to loans | 0.7011% | 2,792 |
| Net loans and leases to total assets | 60.1765% | 3,829 |
| Net loans and leases to deposits | 68.4396% | 4,054 |
| Net loans and leases to core deposits | 69.6819% | 4,267 |
| Total domestic deposits to total assets | 87.9265% | 1,664 |
| Equity capital to assets | 9.1208% | 4,682 |
| Core capital (leverage) ratio | 9.3303% | 4,318 |
| Tier 1 risk-based capital ratio | 15.5458% | 2,729 |
| Total risk-based capital ratio | 16.5698% | 2,766 |
| Memoranda: | ||
| Average total assets | $237,862,400 | 2,601 |
| Average earning assets | $218,604,000 | 2,615 |
| Average equity | $22,142,600 | 2,975 |
| Average total loans | $145,643,200 | 2,700 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5565% | 4,665 |
| Cost of funding earning assets | 0.2990% | 4,109 |
| Net interest margin | 3.2575% | 4,326 |
| Noninterest income to average assets | 0.6616% | 2,358 |
| Noninterest expense to average assets | 3.0115% | 2,285 |
| Loan and lease loss provision to assets | 0.0508% | 3,229 |
| Net operating income to assets | 0.4872% | 4,738 |
| Return on assets (ROA) | 0.4872% | 4,831 |
| Pretax return on assets | 0.5944% | 4,889 |
| Return on Equity (ROE) | 5.2059% | 4,430 |
| Retained earnings to average equity (ytd only) | 2.5396% | 4,399 |
| Net charge-offs to loans | 0.1380% | 1,605 |
| Credit loss provision to net charge-offs | 60.0000% | 2,907 |
| Earnings coverage of net charge-offs (x) | 7.6198% | 2,862 |
| Efficiency ratio | 82.3557% | 1,155 |
| Assets per employee ($millions) | 4.1704% | 3,653 |
| Cash dividends to net income (ytd only)* | 51.2167% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 4,523 |
| Loan loss allowance to noncurrent loans | 116.0729% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 3,449 |
| Noncurrent loans to loans | 0.8430% | 2,576 |
| Net loans and leases to total assets | 58.6124% | 4,035 |
| Net loans and leases to deposits | 67.7469% | 4,175 |
| Net loans and leases to core deposits | 68.8671% | 4,406 |
| Total domestic deposits to total assets | 86.5167% | 2,117 |
| Equity capital to assets | 9.2309% | 4,942 |
| Core capital (leverage) ratio | 9.2745% | 4,496 |
| Tier 1 risk-based capital ratio | 15.8603% | 2,684 |
| Total risk-based capital ratio | 16.8595% | 2,720 |
| Memoranda: | ||
| Average total assets | $236,198,250 | 2,618 |
| Average earning assets | $217,177,000 | 2,634 |
| Average equity | $22,102,750 | 3,000 |
| Average total loans | $144,898,000 | 2,710 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5495% | 4,747 |
| Cost of funding earning assets | 0.3033% | 4,086 |
| Net interest margin | 3.2462% | 4,392 |
| Noninterest income to average assets | 0.6692% | 2,281 |
| Noninterest expense to average assets | 3.0166% | 2,291 |
| Loan and lease loss provision to assets | 0.0512% | 3,124 |
| Net operating income to assets | 0.4746% | 4,785 |
| Return on assets (ROA) | 0.4746% | 4,879 |
| Pretax return on assets | 0.5796% | 4,940 |
| Return on Equity (ROE) | 5.0482% | 4,496 |
| Retained earnings to average equity (ytd only) | 2.3697% | 4,369 |
| Net charge-offs to loans | 0.2062% | 1,123 |
| Credit loss provision to net charge-offs | 40.0000% | 2,765 |
| Earnings coverage of net charge-offs (x) | 4.9267% | 2,922 |
| Efficiency ratio | 82.7054% | 1,185 |
| Assets per employee ($millions) | 4.3923% | 3,228 |
| Cash dividends to net income (ytd only)* | 53.0576% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 4,768 |
| Loan loss allowance to noncurrent loans | 85.2612% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 2,960 |
| Noncurrent loans to loans | 1.1107% | 2,074 |
| Net loans and leases to total assets | 60.4632% | 3,817 |
| Net loans and leases to deposits | 70.0075% | 3,982 |
| Net loans and leases to core deposits | 71.1923% | 4,238 |
| Total domestic deposits to total assets | 86.3667% | 2,232 |
| Equity capital to assets | 9.3586% | 4,908 |
| Core capital (leverage) ratio | 9.3668% | 4,379 |
| Tier 1 risk-based capital ratio | 15.8047% | 2,736 |
| Total risk-based capital ratio | 16.7861% | 2,784 |
| Memoranda: | ||
| Average total assets | $234,303,000 | 2,646 |
| Average earning assets | $214,958,000 | 2,666 |
| Average equity | $22,027,670 | 3,013 |
| Average total loans | $145,472,330 | 2,702 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6078% | 4,599 |
| Cost of funding earning assets | 0.3114% | 4,043 |
| Net interest margin | 3.2963% | 4,234 |
| Noninterest income to average assets | 0.6665% | 2,184 |
| Noninterest expense to average assets | 2.9305% | 2,608 |
| Loan and lease loss provision to assets | 0.0515% | 2,898 |
| Net operating income to assets | 0.5737% | 4,293 |
| Return on assets (ROA) | 0.5737% | 4,410 |
| Pretax return on assets | 0.7026% | 4,520 |
| Return on Equity (ROE) | 6.0885% | 3,945 |
| Retained earnings to average equity (ytd only) | 3.4088% | 3,802 |
| Net charge-offs to loans | 0.1756% | 1,091 |
| Credit loss provision to net charge-offs | 46.8750% | 2,076 |
| Earnings coverage of net charge-offs (x) | 6.8594% | 2,203 |
| Efficiency ratio | 79.5338% | 1,660 |
| Assets per employee ($millions) | 4.2002% | 3,591 |
| Cash dividends to net income (ytd only)* | 44.0120% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 4,716 |
| Loan loss allowance to noncurrent loans | 95.3877% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.6360% | 3,153 |
| Noncurrent loans to loans | 1.0271% | 2,331 |
| Net loans and leases to total assets | 61.3182% | 3,618 |
| Net loans and leases to deposits | 70.9707% | 3,756 |
| Net loans and leases to core deposits | 72.2235% | 4,054 |
| Total domestic deposits to total assets | 86.3993% | 2,494 |
| Equity capital to assets | 9.3857% | 4,787 |
| Core capital (leverage) ratio | 9.5210% | 4,159 |
| Tier 1 risk-based capital ratio | 15.9069% | 2,727 |
| Total risk-based capital ratio | 16.9385% | 2,758 |
| Memoranda: | ||
| Average total assets | $232,862,500 | 2,666 |
| Average earning assets | $213,207,500 | 2,691 |
| Average equity | $21,943,000 | 3,030 |
| Average total loans | $145,818,500 | 2,707 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 4,323 |
| Cost of funding earning assets | 0.3349% | 3,848 |
| Net interest margin | 3.3813% | 3,979 |
| Noninterest income to average assets | 0.5897% | 2,776 |
| Noninterest expense to average assets | 2.9560% | 2,684 |
| Loan and lease loss provision to assets | 0.0912% | 2,480 |
| Net operating income to assets | 0.5355% | 4,556 |
| Return on assets (ROA) | 0.5337% | 4,649 |
| Pretax return on assets | 0.6554% | 4,658 |
| Return on Equity (ROE) | 5.6355% | 4,215 |
| Retained earnings to average equity (ytd only) | 3.0109% | 3,915 |
| Net charge-offs to loans | 0.0869% | 2,582 |
| Credit loss provision to net charge-offs | 168.2927% | 1,605 |
| Earnings coverage of net charge-offs (x) | 13.8130% | 2,347 |
| Efficiency ratio | 79.7882% | 1,705 |
| Assets per employee ($millions) | 4.2688% | 3,452 |
| Cash dividends to net income (ytd only)* | 46.5731% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 4,609 |
| Loan loss allowance to noncurrent loans | 97.9879% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 2,968 |
| Noncurrent loans to loans | 1.0213% | 2,297 |
| Net loans and leases to total assets | 62.6954% | 3,463 |
| Net loans and leases to deposits | 72.7507% | 3,643 |
| Net loans and leases to core deposits | 74.0616% | 3,935 |
| Total domestic deposits to total assets | 86.1784% | 2,555 |
| Equity capital to assets | 9.4614% | 4,597 |
| Core capital (leverage) ratio | 9.5354% | 4,124 |
| Tier 1 risk-based capital ratio | 15.7366% | 2,810 |
| Total risk-based capital ratio | 16.7916% | 2,846 |
| Memoranda: | ||
| Average total assets | $226,892,800 | 2,692 |
| Average earning assets | $209,029,800 | 2,684 |
| Average equity | $21,488,600 | 3,029 |
| Average total loans | $141,558,600 | 2,708 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7272% | 4,337 |
| Cost of funding earning assets | 0.3386% | 3,879 |
| Net interest margin | 3.3887% | 4,004 |
| Noninterest income to average assets | 0.5829% | 2,832 |
| Noninterest expense to average assets | 2.9193% | 2,787 |
| Loan and lease loss provision to assets | 0.0620% | 2,945 |
| Net operating income to assets | 0.5948% | 4,410 |
| Return on assets (ROA) | 0.5923% | 4,523 |
| Pretax return on assets | 0.7227% | 4,604 |
| Return on Equity (ROE) | 6.2529% | 4,027 |
| Retained earnings to average equity (ytd only) | 3.6185% | 3,893 |
| Net charge-offs to loans | 0.1082% | 2,046 |
| Credit loss provision to net charge-offs | 92.1053% | 2,441 |
| Earnings coverage of net charge-offs (x) | 11.7103% | 2,468 |
| Efficiency ratio | 78.7522% | 1,847 |
| Assets per employee ($millions) | 4.2760% | 3,367 |
| Cash dividends to net income (ytd only)* | 42.1319% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 4,985 |
| Loan loss allowance to noncurrent loans | 89.8227% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7819% | 2,937 |
| Noncurrent loans to loans | 1.0564% | 2,368 |
| Net loans and leases to total assets | 63.0133% | 3,455 |
| Net loans and leases to deposits | 73.5610% | 3,593 |
| Net loans and leases to core deposits | 74.9163% | 3,918 |
| Total domestic deposits to total assets | 85.6612% | 2,710 |
| Equity capital to assets | 9.6086% | 4,625 |
| Core capital (leverage) ratio | 9.5483% | 4,240 |
| Tier 1 risk-based capital ratio | 15.8391% | 2,873 |
| Total risk-based capital ratio | 16.8363% | 2,935 |
| Memoranda: | ||
| Average total assets | $225,987,000 | 2,721 |
| Average earning assets | $208,334,750 | 2,719 |
| Average equity | $21,408,250 | 3,057 |
| Average total loans | $140,452,250 | 2,740 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 4,299 |
| Cost of funding earning assets | 0.3407% | 3,913 |
| Net interest margin | 3.3940% | 3,927 |
| Noninterest income to average assets | 0.5785% | 2,865 |
| Noninterest expense to average assets | 2.9623% | 2,670 |
| Loan and lease loss provision to assets | 0.0532% | 3,059 |
| Net operating income to assets | 0.5627% | 4,509 |
| Return on assets (ROA) | 0.5554% | 4,646 |
| Pretax return on assets | 0.6777% | 4,729 |
| Return on Equity (ROE) | 5.8913% | 4,183 |
| Retained earnings to average equity (ytd only) | 3.2416% | 3,984 |
| Net charge-offs to loans | 0.0991% | 2,022 |
| Credit loss provision to net charge-offs | 86.9565% | 2,245 |
| Earnings coverage of net charge-offs (x) | 12.1014% | 2,242 |
| Efficiency ratio | 80.0191% | 1,761 |
| Assets per employee ($millions) | 4.1566% | 3,558 |
| Cash dividends to net income (ytd only)* | 44.9761% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 4,994 |
| Loan loss allowance to noncurrent loans | 84.8109% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 0.7774% | 3,061 |
| Noncurrent loans to loans | 1.1457% | 2,357 |
| Net loans and leases to total assets | 62.1160% | 3,531 |
| Net loans and leases to deposits | 71.1167% | 3,814 |
| Net loans and leases to core deposits | 72.4508% | 4,093 |
| Total domestic deposits to total assets | 87.3438% | 1,990 |
| Equity capital to assets | 9.5554% | 4,589 |
| Core capital (leverage) ratio | 9.5444% | 4,218 |
| Tier 1 risk-based capital ratio | 15.8280% | 2,940 |
| Total risk-based capital ratio | 16.8354% | 3,000 |
| Memoranda: | ||
| Average total assets | $225,772,670 | 2,741 |
| Average earning assets | $207,779,670 | 2,737 |
| Average equity | $21,285,670 | 3,082 |
| Average total loans | $139,211,330 | 2,757 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7379% | 4,238 |
| Cost of funding earning assets | 0.3435% | 3,948 |
| Net interest margin | 3.3944% | 3,866 |
| Noninterest income to average assets | 0.5688% | 2,843 |
| Noninterest expense to average assets | 2.8760% | 2,987 |
| Loan and lease loss provision to assets | 0.0265% | 3,356 |
| Net operating income to assets | 0.6501% | 4,044 |
| Return on assets (ROA) | 0.6501% | 4,166 |
| Pretax return on assets | 0.7914% | 4,276 |
| Return on Equity (ROE) | 6.9419% | 3,539 |
| Retained earnings to average equity (ytd only) | 4.2821% | 3,447 |
| Net charge-offs to loans | 0.0954% | 1,771 |
| Credit loss provision to net charge-offs | 45.4545% | 2,139 |
| Earnings coverage of net charge-offs (x) | 14.0303% | 1,689 |
| Efficiency ratio | 77.8575% | 2,204 |
| Assets per employee ($millions) | 4.0361% | 3,887 |
| Cash dividends to net income (ytd only)* | 38.3152% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 5,139 |
| Loan loss allowance to noncurrent loans | 104.0582% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.7092% | 3,364 |
| Noncurrent loans to loans | 0.9390% | 2,899 |
| Net loans and leases to total assets | 60.9347% | 3,535 |
| Net loans and leases to deposits | 69.7443% | 3,778 |
| Net loans and leases to core deposits | 71.1682% | 4,043 |
| Total domestic deposits to total assets | 87.3688% | 2,183 |
| Equity capital to assets | 9.4713% | 4,781 |
| Core capital (leverage) ratio | 9.4498% | 4,354 |
| Tier 1 risk-based capital ratio | 15.7250% | 3,049 |
| Total risk-based capital ratio | 16.7248% | 3,097 |
| Memoranda: | ||
| Average total assets | $226,429,500 | 2,752 |
| Average earning assets | $208,459,500 | 2,747 |
| Average equity | $21,204,500 | 3,117 |
| Average total loans | $138,420,500 | 2,773 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 4,831 |
| Cost of funding earning assets | 0.3691% | 4,050 |
| Net interest margin | 3.3160% | 4,522 |
| Noninterest income to average assets | 0.5971% | 2,875 |
| Noninterest expense to average assets | 2.9362% | 3,036 |
| Loan and lease loss provision to assets | 0.1056% | 2,392 |
| Net operating income to assets | 0.5174% | 4,740 |
| Return on assets (ROA) | 0.5174% | 4,828 |
| Pretax return on assets | 0.6112% | 4,906 |
| Return on Equity (ROE) | 5.7586% | 4,280 |
| Retained earnings to average equity (ytd only) | 2.9968% | 4,104 |
| Net charge-offs to loans | 0.1563% | 2,469 |
| Credit loss provision to net charge-offs | 112.6761% | 2,109 |
| Earnings coverage of net charge-offs (x) | 7.6479% | 3,000 |
| Efficiency ratio | 80.3782% | 1,870 |
| Assets per employee ($millions) | 4.1244% | 3,674 |
| Cash dividends to net income (ytd only)* | 47.9592% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 5,068 |
| Loan loss allowance to noncurrent loans | 61.3363% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.1391% | 2,481 |
| Noncurrent loans to loans | 1.6297% | 1,797 |
| Net loans and leases to total assets | 60.1221% | 3,775 |
| Net loans and leases to deposits | 68.9856% | 4,031 |
| Net loans and leases to core deposits | 72.4791% | 4,075 |
| Total domestic deposits to total assets | 87.1517% | 2,190 |
| Equity capital to assets | 9.2585% | 4,996 |
| Core capital (leverage) ratio | 9.2166% | 4,653 |
| Tier 1 risk-based capital ratio | 16.0429% | 2,940 |
| Total risk-based capital ratio | 17.0874% | 2,992 |
| Memoranda: | ||
| Average total assets | $227,269,200 | 2,722 |
| Average earning assets | $209,440,200 | 2,715 |
| Average equity | $20,421,800 | 3,114 |
| Average total loans | $136,308,000 | 2,754 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6610% | 4,970 |
| Cost of funding earning assets | 0.3771% | 4,053 |
| Net interest margin | 3.2839% | 4,669 |
| Noninterest income to average assets | 0.5905% | 2,931 |
| Noninterest expense to average assets | 2.9694% | 2,908 |
| Loan and lease loss provision to assets | 0.1319% | 1,900 |
| Net operating income to assets | 0.4181% | 5,182 |
| Return on assets (ROA) | 0.4181% | 5,260 |
| Pretax return on assets | 0.5125% | 5,296 |
| Return on Equity (ROE) | 4.6883% | 4,862 |
| Retained earnings to average equity (ytd only) | 1.9069% | 5,100 |
| Net charge-offs to loans | 0.1569% | 2,241 |
| Credit loss provision to net charge-offs | 140.6250% | 1,675 |
| Earnings coverage of net charge-offs (x) | 6.8687% | 3,010 |
| Efficiency ratio | 82.1678% | 1,595 |
| Assets per employee ($millions) | 4.0821% | 3,701 |
| Cash dividends to net income (ytd only)* | 59.3274% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 5,117 |
| Loan loss allowance to noncurrent loans | 56.9187% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 1.2025% | 2,546 |
| Noncurrent loans to loans | 1.7937% | 1,808 |
| Net loans and leases to total assets | 60.0103% | 3,784 |
| Net loans and leases to deposits | 68.6251% | 4,065 |
| Net loans and leases to core deposits | 72.0166% | 4,150 |
| Total domestic deposits to total assets | 87.4466% | 2,066 |
| Equity capital to assets | 9.0101% | 5,341 |
| Core capital (leverage) ratio | 9.1050% | 4,927 |
| Tier 1 risk-based capital ratio | 15.8004% | 3,160 |
| Total risk-based capital ratio | 16.8739% | 3,188 |
| Memoranda: | ||
| Average total assets | $227,376,500 | 2,738 |
| Average earning assets | $209,337,750 | 2,733 |
| Average equity | $20,276,750 | 3,142 |
| Average total loans | $135,945,500 | 2,779 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6256% | 5,084 |
| Cost of funding earning assets | 0.3801% | 4,102 |
| Net interest margin | 3.2456% | 4,798 |
| Noninterest income to average assets | 0.5992% | 2,815 |
| Noninterest expense to average assets | 3.0039% | 2,816 |
| Loan and lease loss provision to assets | 0.1322% | 1,877 |
| Net operating income to assets | 0.3666% | 5,347 |
| Return on assets (ROA) | 0.3666% | 5,414 |
| Pretax return on assets | 0.4503% | 5,420 |
| Return on Equity (ROE) | 4.1249% | 5,091 |
| Retained earnings to average equity (ytd only) | 1.3287% | 5,214 |
| Net charge-offs to loans | 0.2206% | 1,713 |
| Credit loss provision to net charge-offs | 100.6711% | 1,973 |
| Earnings coverage of net charge-offs (x) | 4.4362% | 3,108 |
| Efficiency ratio | 83.7592% | 1,544 |
| Assets per employee ($millions) | 4.0003% | 3,835 |
| Cash dividends to net income (ytd only)* | 67.7885% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 5,387 |
| Loan loss allowance to noncurrent loans | 62.1721% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.1635% | 2,753 |
| Noncurrent loans to loans | 1.5967% | 2,178 |
| Net loans and leases to total assets | 59.0916% | 3,849 |
| Net loans and leases to deposits | 67.5050% | 4,108 |
| Net loans and leases to core deposits | 68.8721% | 4,381 |
| Total domestic deposits to total assets | 87.5366% | 2,181 |
| Equity capital to assets | 8.9655% | 5,336 |
| Core capital (leverage) ratio | 9.0785% | 4,899 |
| Tier 1 risk-based capital ratio | 15.9368% | 3,125 |
| Total risk-based capital ratio | 16.9784% | 3,174 |
| Memoranda: | ||
| Average total assets | $226,969,000 | 2,759 |
| Average earning assets | $208,901,330 | 2,751 |
| Average equity | $20,170,000 | 3,154 |
| Average total loans | $135,061,330 | 2,797 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6054% | 5,151 |
| Cost of funding earning assets | 0.3857% | 4,134 |
| Net interest margin | 3.2197% | 4,864 |
| Noninterest income to average assets | 0.5865% | 2,813 |
| Noninterest expense to average assets | 2.9782% | 2,950 |
| Loan and lease loss provision to assets | 0.1325% | 1,831 |
| Net operating income to assets | 0.3586% | 5,279 |
| Return on assets (ROA) | 0.3586% | 5,340 |
| Pretax return on assets | 0.4398% | 5,335 |
| Return on Equity (ROE) | 4.0532% | 5,003 |
| Retained earnings to average equity (ytd only) | 1.2379% | 5,116 |
| Net charge-offs to loans | 0.2497% | 1,328 |
| Credit loss provision to net charge-offs | 89.2857% | 1,806 |
| Earnings coverage of net charge-offs (x) | 3.8571% | 2,612 |
| Efficiency ratio | 83.8806% | 1,689 |
| Assets per employee ($millions) | 4.0537% | 3,815 |
| Cash dividends to net income (ytd only)* | 69.4581% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 5,524 |
| Loan loss allowance to noncurrent loans | 51.0080% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 1.3365% | 2,646 |
| Noncurrent loans to loans | 1.9596% | 1,919 |
| Net loans and leases to total assets | 58.5088% | 3,762 |
| Net loans and leases to deposits | 66.4324% | 4,039 |
| Net loans and leases to core deposits | 68.0254% | 4,303 |
| Total domestic deposits to total assets | 88.0726% | 2,194 |
| Equity capital to assets | 8.8971% | 5,228 |
| Core capital (leverage) ratio | 9.1086% | 4,858 |
| Tier 1 risk-based capital ratio | 16.1032% | 3,122 |
| Total risk-based capital ratio | 17.1515% | 3,176 |
| Memoranda: | ||
| Average total assets | $226,444,000 | 2,766 |
| Average earning assets | $208,467,500 | 2,763 |
| Average equity | $20,033,500 | 3,173 |
| Average total loans | $134,546,500 | 2,818 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7623% | 4,938 |
| Cost of funding earning assets | 0.4895% | 3,717 |
| Net interest margin | 3.2729% | 4,764 |
| Noninterest income to average assets | 0.6152% | 2,998 |
| Noninterest expense to average assets | 2.8851% | 3,416 |
| Loan and lease loss provision to assets | 0.0524% | 4,090 |
| Net operating income to assets | 0.5376% | 4,566 |
| Return on assets (ROA) | 0.5379% | 4,692 |
| Pretax return on assets | 0.6741% | 4,624 |
| Return on Equity (ROE) | 6.2041% | 3,973 |
| Retained earnings to average equity (ytd only) | 3.3662% | 3,832 |
| Net charge-offs to loans | 0.1035% | 3,792 |
| Credit loss provision to net charge-offs | 88.8889% | 2,795 |
| Earnings coverage of net charge-offs (x) | 12.3259% | 2,132 |
| Efficiency ratio | 79.8961% | 2,162 |
| Assets per employee ($millions) | 3.9628% | 3,937 |
| Cash dividends to net income (ytd only)* | 45.7421% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 5,564 |
| Loan loss allowance to noncurrent loans | 58.5429% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 1.2976% | 2,825 |
| Noncurrent loans to loans | 1.7090% | 2,348 |
| Net loans and leases to total assets | 59.1387% | 3,854 |
| Net loans and leases to deposits | 68.4767% | 3,978 |
| Net loans and leases to core deposits | 71.8188% | 4,094 |
| Total domestic deposits to total assets | 86.3632% | 3,069 |
| Equity capital to assets | 8.7967% | 5,260 |
| Core capital (leverage) ratio | 9.0128% | 4,979 |
| Tier 1 risk-based capital ratio | 15.9499% | 3,118 |
| Total risk-based capital ratio | 17.0018% | 3,183 |
| Memoranda: | ||
| Average total assets | $229,210,000 | 2,725 |
| Average earning assets | $209,816,400 | 2,724 |
| Average equity | $19,874,000 | 3,161 |
| Average total loans | $130,426,600 | 2,860 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7841% | 4,915 |
| Cost of funding earning assets | 0.5133% | 3,636 |
| Net interest margin | 3.2708% | 4,747 |
| Noninterest income to average assets | 0.6196% | 3,041 |
| Noninterest expense to average assets | 2.8122% | 3,615 |
| Loan and lease loss provision to assets | 0.0435% | 4,144 |
| Net operating income to assets | 0.6012% | 4,343 |
| Return on assets (ROA) | 0.6016% | 4,463 |
| Pretax return on assets | 0.7523% | 4,480 |
| Return on Equity (ROE) | 6.9634% | 3,666 |
| Retained earnings to average equity (ytd only) | 4.1257% | 3,744 |
| Net charge-offs to loans | 0.1423% | 3,117 |
| Credit loss provision to net charge-offs | 54.3478% | 3,407 |
| Earnings coverage of net charge-offs (x) | 9.9418% | 2,419 |
| Efficiency ratio | 77.9563% | 2,427 |
| Assets per employee ($millions) | 3.8823% | 4,066 |
| Cash dividends to net income (ytd only)* | 40.7516% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9803% | 5,808 |
| Loan loss allowance to noncurrent loans | 68.4903% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.1294% | 3,394 |
| Noncurrent loans to loans | 1.4313% | 3,016 |
| Net loans and leases to total assets | 57.4148% | 4,099 |
| Net loans and leases to deposits | 65.4240% | 4,365 |
| Net loans and leases to core deposits | 68.4238% | 4,491 |
| Total domestic deposits to total assets | 87.7580% | 2,269 |
| Equity capital to assets | 8.7009% | 5,520 |
| Core capital (leverage) ratio | 8.9947% | 5,137 |
| Tier 1 risk-based capital ratio | 15.9896% | 3,199 |
| Total risk-based capital ratio | 17.0093% | 3,276 |
| Memoranda: | ||
| Average total assets | $230,042,250 | 2,735 |
| Average earning assets | $210,138,750 | 2,741 |
| Average equity | $19,875,000 | 3,203 |
| Average total loans | $129,300,000 | 2,897 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7887% | 4,864 |
| Cost of funding earning assets | 0.5576% | 3,341 |
| Net interest margin | 3.2311% | 4,833 |
| Noninterest income to average assets | 0.6164% | 3,097 |
| Noninterest expense to average assets | 2.8163% | 3,621 |
| Loan and lease loss provision to assets | 0.0521% | 3,942 |
| Net operating income to assets | 0.5541% | 4,536 |
| Return on assets (ROA) | 0.5548% | 4,703 |
| Pretax return on assets | 0.6919% | 4,704 |
| Return on Equity (ROE) | 6.4361% | 3,911 |
| Retained earnings to average equity (ytd only) | 3.5958% | 4,027 |
| Net charge-offs to loans | 0.1249% | 3,126 |
| Credit loss provision to net charge-offs | 75.0000% | 2,718 |
| Earnings coverage of net charge-offs (x) | 10.7000% | 2,132 |
| Efficiency ratio | 79.1220% | 2,281 |
| Assets per employee ($millions) | 3.8361% | 4,141 |
| Cash dividends to net income (ytd only)* | 44.1315% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 5,666 |
| Loan loss allowance to noncurrent loans | 67.2164% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.2122% | 3,323 |
| Noncurrent loans to loans | 1.5478% | 2,984 |
| Net loans and leases to total assets | 57.5027% | 4,062 |
| Net loans and leases to deposits | 65.2440% | 4,350 |
| Net loans and leases to core deposits | 66.9522% | 4,599 |
| Total domestic deposits to total assets | 88.1349% | 2,145 |
| Equity capital to assets | 8.8066% | 5,437 |
| Core capital (leverage) ratio | 8.8927% | 5,159 |
| Tier 1 risk-based capital ratio | 16.1573% | 3,113 |
| Total risk-based capital ratio | 17.2353% | 3,146 |
| Memoranda: | ||
| Average total assets | $230,371,000 | 2,741 |
| Average earning assets | $209,834,000 | 2,745 |
| Average equity | $19,856,670 | 3,222 |
| Average total loans | $128,128,670 | 2,915 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8139% | 4,782 |
| Cost of funding earning assets | 0.6090% | 3,024 |
| Net interest margin | 3.2049% | 4,921 |
| Noninterest income to average assets | 0.5821% | 3,237 |
| Noninterest expense to average assets | 2.7143% | 4,000 |
| Loan and lease loss provision to assets | 0.0768% | 3,348 |
| Net operating income to assets | 0.5620% | 4,400 |
| Return on assets (ROA) | 0.5634% | 4,548 |
| Pretax return on assets | 0.7033% | 4,563 |
| Return on Equity (ROE) | 6.6040% | 3,712 |
| Retained earnings to average equity (ytd only) | 3.7823% | 3,966 |
| Net charge-offs to loans | 0.2383% | 2,018 |
| Credit loss provision to net charge-offs | 59.2105% | 2,468 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,287 |
| Efficiency ratio | 77.7126% | 2,657 |
| Assets per employee ($millions) | 3.9025% | 4,155 |
| Cash dividends to net income (ytd only)* | 42.7273% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 5,829 |
| Loan loss allowance to noncurrent loans | 76.4470% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 1.0602% | 3,813 |
| Noncurrent loans to loans | 1.3621% | 3,524 |
| Net loans and leases to total assets | 55.0613% | 4,231 |
| Net loans and leases to deposits | 64.4269% | 4,265 |
| Net loans and leases to core deposits | 66.0440% | 4,524 |
| Total domestic deposits to total assets | 85.4633% | 3,814 |
| Equity capital to assets | 8.7172% | 5,794 |
| Core capital (leverage) ratio | 8.6135% | 5,437 |
| Tier 1 risk-based capital ratio | 15.9814% | 3,284 |
| Total risk-based capital ratio | 17.0479% | 3,333 |
| Memoranda: | ||
| Average total assets | $234,310,500 | 2,734 |
| Average earning assets | $212,798,500 | 2,738 |
| Average equity | $19,988,000 | 3,250 |
| Average total loans | $127,551,000 | 2,939 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 5,483 |
| Cost of funding earning assets | 0.8215% | 2,497 |
| Net interest margin | 3.1121% | 5,788 |
| Noninterest income to average assets | 0.5745% | 3,421 |
| Noninterest expense to average assets | 2.8360% | 3,890 |
| Loan and lease loss provision to assets | 0.0338% | 5,466 |
| Net operating income to assets | 0.4107% | 5,054 |
| Return on assets (ROA) | 0.5232% | 4,856 |
| Pretax return on assets | 0.6433% | 4,841 |
| Return on Equity (ROE) | 6.2263% | 4,056 |
| Retained earnings to average equity (ytd only) | 3.3573% | 3,856 |
| Net charge-offs to loans | 0.0767% | 4,906 |
| Credit loss provision to net charge-offs | 82.2917% | 3,753 |
| Earnings coverage of net charge-offs (x) | 13.1146% | 1,866 |
| Efficiency ratio | 84.0512% | 1,631 |
| Assets per employee ($millions) | 4.0403% | 3,865 |
| Cash dividends to net income (ytd only)* | 46.0784% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 5,654 |
| Loan loss allowance to noncurrent loans | 86.3924% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 4,117 |
| Noncurrent loans to loans | 1.2442% | 3,763 |
| Net loans and leases to total assets | 52.7012% | 4,806 |
| Net loans and leases to deposits | 61.2620% | 4,873 |
| Net loans and leases to core deposits | 64.3442% | 4,920 |
| Total domestic deposits to total assets | 86.0259% | 3,355 |
| Equity capital to assets | 8.3503% | 6,161 |
| Core capital (leverage) ratio | 8.2952% | 5,891 |
| Tier 1 risk-based capital ratio | 15.9501% | 3,190 |
| Total risk-based capital ratio | 17.0495% | 3,226 |
| Memoranda: | ||
| Average total assets | $233,957,400 | 2,689 |
| Average earning assets | $210,468,200 | 2,727 |
| Average equity | $19,658,400 | 3,235 |
| Average total loans | $125,114,200 | 2,982 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 5,694 |
| Cost of funding earning assets | 0.8567% | 2,488 |
| Net interest margin | 3.0801% | 5,982 |
| Noninterest income to average assets | 0.5714% | 3,462 |
| Noninterest expense to average assets | 2.8280% | 3,881 |
| Loan and lease loss provision to assets | 0.0344% | 5,342 |
| Net operating income to assets | 0.3574% | 5,409 |
| Return on assets (ROA) | 0.4970% | 5,120 |
| Pretax return on assets | 0.6619% | 4,977 |
| Return on Equity (ROE) | 5.9056% | 4,377 |
| Retained earnings to average equity (ytd only) | 3.0276% | 4,736 |
| Net charge-offs to loans | 0.1102% | 4,289 |
| Credit loss provision to net charge-offs | 58.2524% | 4,201 |
| Earnings coverage of net charge-offs (x) | 8.6505% | 2,417 |
| Efficiency ratio | 84.7170% | 1,506 |
| Assets per employee ($millions) | 4.0386% | 3,786 |
| Cash dividends to net income (ytd only)* | 48.7333% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 5,934 |
| Loan loss allowance to noncurrent loans | 63.2798% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.2716% | 3,753 |
| Noncurrent loans to loans | 1.6443% | 3,326 |
| Net loans and leases to total assets | 53.4439% | 4,834 |
| Net loans and leases to deposits | 62.0626% | 4,963 |
| Net loans and leases to core deposits | 65.9860% | 4,955 |
| Total domestic deposits to total assets | 86.1129% | 3,187 |
| Equity capital to assets | 8.2781% | 6,435 |
| Core capital (leverage) ratio | 8.2920% | 6,023 |
| Tier 1 risk-based capital ratio | 15.4733% | 3,555 |
| Total risk-based capital ratio | 16.5291% | 3,610 |
| Memoranda: | ||
| Average total assets | $232,852,750 | 2,721 |
| Average earning assets | $209,162,750 | 2,775 |
| Average equity | $19,596,750 | 3,281 |
| Average total loans | $124,644,750 | 3,023 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 5,611 |
| Cost of funding earning assets | 0.8863% | 2,516 |
| Net interest margin | 3.1239% | 5,933 |
| Noninterest income to average assets | 0.5635% | 3,498 |
| Noninterest expense to average assets | 2.8878% | 3,672 |
| Loan and lease loss provision to assets | 0.0260% | 5,339 |
| Net operating income to assets | 0.3318% | 5,492 |
| Return on assets (ROA) | 0.5428% | 4,893 |
| Pretax return on assets | 0.7228% | 4,763 |
| Return on Equity (ROE) | 6.4130% | 4,091 |
| Retained earnings to average equity (ytd only) | 3.5287% | 4,247 |
| Net charge-offs to loans | 0.0211% | 5,109 |
| Credit loss provision to net charge-offs | 230.7692% | 1,236 |
| Earnings coverage of net charge-offs (x) | 41.5385% | 849 |
| Efficiency ratio | 86.0681% | 1,427 |
| Assets per employee ($millions) | 3.7721% | 4,381 |
| Cash dividends to net income (ytd only)* | 44.9761% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 5,617 |
| Loan loss allowance to noncurrent loans | 49.7334% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 1.5004% | 3,450 |
| Noncurrent loans to loans | 2.2857% | 2,633 |
| Net loans and leases to total assets | 52.0259% | 5,094 |
| Net loans and leases to deposits | 60.9423% | 5,146 |
| Net loans and leases to core deposits | 62.9974% | 5,298 |
| Total domestic deposits to total assets | 85.3691% | 3,681 |
| Equity capital to assets | 8.3821% | 6,316 |
| Core capital (leverage) ratio | 8.4252% | 5,755 |
| Tier 1 risk-based capital ratio | 16.1075% | 3,121 |
| Total risk-based capital ratio | 17.2616% | 3,132 |
| Memoranda: | ||
| Average total assets | $231,044,330 | 2,743 |
| Average earning assets | $206,471,330 | 2,804 |
| Average equity | $19,554,000 | 3,276 |
| Average total loans | $123,298,330 | 3,063 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 5,315 |
| Cost of funding earning assets | 0.8942% | 2,738 |
| Net interest margin | 3.2462% | 5,634 |
| Noninterest income to average assets | 0.5574% | 3,517 |
| Noninterest expense to average assets | 2.8376% | 3,872 |
| Loan and lease loss provision to assets | 0.0261% | 5,025 |
| Net operating income to assets | 0.4529% | 5,022 |
| Return on assets (ROA) | 0.4529% | 5,211 |
| Pretax return on assets | 0.6027% | 5,109 |
| Return on Equity (ROE) | 5.3253% | 4,631 |
| Retained earnings to average equity (ytd only) | 2.4373% | 5,042 |
| Net charge-offs to loans | 0.0421% | 4,108 |
| Credit loss provision to net charge-offs | 115.3846% | 2,043 |
| Earnings coverage of net charge-offs (x) | 27.7692% | 983 |
| Efficiency ratio | 81.8593% | 1,949 |
| Assets per employee ($millions) | 3.7013% | 4,646 |
| Cash dividends to net income (ytd only)* | 54.2308% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 5,818 |
| Loan loss allowance to noncurrent loans | 108.0406% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.8615% | 4,798 |
| Noncurrent loans to loans | 1.0428% | 4,605 |
| Net loans and leases to total assets | 52.9255% | 4,893 |
| Net loans and leases to deposits | 62.1606% | 4,888 |
| Net loans and leases to core deposits | 64.2738% | 5,078 |
| Total domestic deposits to total assets | 85.1431% | 3,963 |
| Equity capital to assets | 8.5283% | 6,059 |
| Core capital (leverage) ratio | 8.4451% | 5,684 |
| Tier 1 risk-based capital ratio | 15.8403% | 3,254 |
| Total risk-based capital ratio | 16.9762% | 3,296 |
| Memoranda: | ||
| Average total assets | $229,632,500 | 2,768 |
| Average earning assets | $205,776,000 | 2,823 |
| Average equity | $19,529,500 | 3,281 |
| Average total loans | $123,412,000 | 3,076 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 5,261 |
| Cost of funding earning assets | 0.9378% | 3,810 |
| Net interest margin | 3.5083% | 5,111 |
| Noninterest income to average assets | 0.5201% | 3,718 |
| Noninterest expense to average assets | 2.9299% | 3,845 |
| Loan and lease loss provision to assets | 0.0334% | 6,144 |
| Net operating income to assets | 0.5530% | 4,218 |
| Return on assets (ROA) | 0.5530% | 4,403 |
| Pretax return on assets | 0.7418% | 4,183 |
| Return on Equity (ROE) | 6.4806% | 3,656 |
| Retained earnings to average equity (ytd only) | 3.6160% | 3,636 |
| Net charge-offs to loans | 0.0625% | 5,672 |
| Credit loss provision to net charge-offs | 96.1538% | 3,746 |
| Earnings coverage of net charge-offs (x) | 22.3205% | 1,065 |
| Efficiency ratio | 79.0770% | 2,431 |
| Assets per employee ($millions) | 3.6473% | 4,672 |
| Cash dividends to net income (ytd only)* | 44.2029% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 5,766 |
| Loan loss allowance to noncurrent loans | 123.7243% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.7890% | 5,058 |
| Noncurrent loans to loans | 0.9009% | 4,883 |
| Net loans and leases to total assets | 53.3562% | 5,118 |
| Net loans and leases to deposits | 62.6328% | 5,160 |
| Net loans and leases to core deposits | 66.3562% | 5,217 |
| Total domestic deposits to total assets | 85.1890% | 3,745 |
| Equity capital to assets | 8.4811% | 6,164 |
| Core capital (leverage) ratio | 8.5103% | 5,539 |
| Tier 1 risk-based capital ratio | 15.6133% | 3,261 |
| Total risk-based capital ratio | 16.7383% | 3,288 |
| Memoranda: | ||
| Average total assets | $224,582,600 | 2,789 |
| Average earning assets | $203,889,000 | 2,803 |
| Average equity | $19,164,800 | 3,257 |
| Average total loans | $124,714,400 | 3,086 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4671% | 5,360 |
| Cost of funding earning assets | 0.9541% | 4,010 |
| Net interest margin | 3.5130% | 5,134 |
| Noninterest income to average assets | 0.4992% | 3,877 |
| Noninterest expense to average assets | 2.8877% | 3,985 |
| Loan and lease loss provision to assets | 0.0358% | 5,990 |
| Net operating income to assets | 0.6013% | 4,082 |
| Return on assets (ROA) | 0.6013% | 4,259 |
| Pretax return on assets | 0.7769% | 4,206 |
| Return on Equity (ROE) | 7.0354% | 3,512 |
| Retained earnings to average equity (ytd only) | 4.1640% | 3,766 |
| Net charge-offs to loans | 0.0854% | 5,116 |
| Credit loss provision to net charge-offs | 75.0000% | 4,316 |
| Earnings coverage of net charge-offs (x) | 17.0131% | 1,369 |
| Efficiency ratio | 78.0378% | 2,541 |
| Assets per employee ($millions) | 3.4953% | 5,008 |
| Cash dividends to net income (ytd only)* | 40.8147% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 5,955 |
| Loan loss allowance to noncurrent loans | 130.0000% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.7912% | 5,191 |
| Noncurrent loans to loans | 0.8321% | 5,209 |
| Net loans and leases to total assets | 55.8005% | 4,872 |
| Net loans and leases to deposits | 65.7442% | 4,942 |
| Net loans and leases to core deposits | 71.4231% | 4,783 |
| Total domestic deposits to total assets | 84.8751% | 3,830 |
| Equity capital to assets | 8.6841% | 6,101 |
| Core capital (leverage) ratio | 8.5567% | 5,620 |
| Tier 1 risk-based capital ratio | 15.9207% | 3,156 |
| Total risk-based capital ratio | 17.0595% | 3,171 |
| Memoranda: | ||
| Average total assets | $223,282,750 | 2,814 |
| Average earning assets | $203,466,000 | 2,814 |
| Average equity | $19,084,000 | 3,270 |
| Average total loans | $124,896,750 | 3,105 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 5,504 |
| Cost of funding earning assets | 0.9707% | 4,165 |
| Net interest margin | 3.4856% | 5,224 |
| Noninterest income to average assets | 0.4894% | 3,953 |
| Noninterest expense to average assets | 2.8502% | 4,230 |
| Loan and lease loss provision to assets | 0.0403% | 5,803 |
| Net operating income to assets | 0.5996% | 4,064 |
| Return on assets (ROA) | 0.5996% | 4,204 |
| Pretax return on assets | 0.7851% | 4,086 |
| Return on Equity (ROE) | 7.0532% | 3,426 |
| Retained earnings to average equity (ytd only) | 4.1750% | 3,537 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5421% | 2,782 |
| Assets per employee ($millions) | 3.4966% | 4,947 |
| Cash dividends to net income (ytd only)* | 40.8072% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 5,782 |
| Loan loss allowance to noncurrent loans | 78.3562% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.8739% | 5,127 |
| Noncurrent loans to loans | 1.4588% | 4,236 |
| Net loans and leases to total assets | 56.1441% | 4,972 |
| Net loans and leases to deposits | 66.6273% | 4,905 |
| Net loans and leases to core deposits | 69.0031% | 5,185 |
| Total domestic deposits to total assets | 84.2658% | 4,232 |
| Equity capital to assets | 8.7232% | 5,912 |
| Core capital (leverage) ratio | 8.5026% | 5,550 |
| Tier 1 risk-based capital ratio | 15.8189% | 3,068 |
| Total risk-based capital ratio | 17.0168% | 3,074 |
| Memoranda: | ||
| Average total assets | $223,144,670 | 2,826 |
| Average earning assets | $203,980,670 | 2,824 |
| Average equity | $18,970,000 | 3,269 |
| Average total loans | $124,466,000 | 3,137 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4131% | 5,647 |
| Cost of funding earning assets | 1.0109% | 4,124 |
| Net interest margin | 3.4022% | 5,424 |
| Noninterest income to average assets | 0.4791% | 4,055 |
| Noninterest expense to average assets | 2.7911% | 4,481 |
| Loan and lease loss provision to assets | 0.0534% | 5,335 |
| Net operating income to assets | 0.5593% | 4,237 |
| Return on assets (ROA) | 0.5593% | 4,316 |
| Pretax return on assets | 0.7338% | 4,172 |
| Return on Equity (ROE) | 6.6642% | 3,554 |
| Retained earnings to average equity (ytd only) | 3.7990% | 3,892 |
| Net charge-offs to loans | -0.0064% | 6,277 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9990% | 2,843 |
| Assets per employee ($millions) | 3.6744% | 4,590 |
| Cash dividends to net income (ytd only)* | 42.9936% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 5,874 |
| Loan loss allowance to noncurrent loans | 77.5164% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 5,185 |
| Noncurrent loans to loans | 1.4759% | 4,257 |
| Net loans and leases to total assets | 54.6273% | 5,218 |
| Net loans and leases to deposits | 64.5643% | 5,177 |
| Net loans and leases to core deposits | 67.3319% | 5,380 |
| Total domestic deposits to total assets | 84.6091% | 4,221 |
| Equity capital to assets | 8.4430% | 5,995 |
| Core capital (leverage) ratio | 8.3531% | 5,708 |
| Tier 1 risk-based capital ratio | 15.3533% | 3,234 |
| Total risk-based capital ratio | 16.5188% | 3,237 |
| Memoranda: | ||
| Average total assets | $224,574,500 | 2,827 |
| Average earning assets | $204,575,000 | 2,842 |
| Average equity | $18,847,000 | 3,275 |
| Average total loans | $124,145,500 | 3,178 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 6,066 |
| Cost of funding earning assets | 1.2309% | 4,350 |
| Net interest margin | 3.3843% | 5,689 |
| Noninterest income to average assets | 0.5207% | 4,020 |
| Noninterest expense to average assets | 2.9562% | 4,012 |
| Loan and lease loss provision to assets | 0.0534% | 6,617 |
| Net operating income to assets | 0.4503% | 4,317 |
| Return on assets (ROA) | 0.4503% | 4,476 |
| Pretax return on assets | 0.5848% | 4,373 |
| Return on Equity (ROE) | 5.4116% | 3,890 |
| Retained earnings to average equity (ytd only) | 2.5372% | 4,096 |
| Net charge-offs to loans | 0.0056% | 6,789 |
| Credit loss provision to net charge-offs | 1,714.2857% | 137 |
| Earnings coverage of net charge-offs (x) | 204.7143% | 121 |
| Efficiency ratio | 82.2429% | 2,133 |
| Assets per employee ($millions) | 3.5716% | 4,772 |
| Cash dividends to net income (ytd only)* | 53.1157% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 5,909 |
| Loan loss allowance to noncurrent loans | 113.8980% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 5,950 |
| Noncurrent loans to loans | 0.9772% | 5,099 |
| Net loans and leases to total assets | 54.6856% | 5,544 |
| Net loans and leases to deposits | 64.4335% | 5,578 |
| Net loans and leases to core deposits | 68.3611% | 5,628 |
| Total domestic deposits to total assets | 84.8713% | 3,918 |
| Equity capital to assets | 8.3419% | 6,092 |
| Core capital (leverage) ratio | 8.1601% | 5,896 |
| Tier 1 risk-based capital ratio | 15.0745% | 3,200 |
| Total risk-based capital ratio | 16.2033% | 3,228 |
| Memoranda: | ||
| Average total assets | $224,510,600 | 2,816 |
| Average earning assets | $203,912,600 | 2,821 |
| Average equity | $18,682,000 | 3,317 |
| Average total loans | $123,905,600 | 3,237 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 6,151 |
| Cost of funding earning assets | 1.2870% | 4,312 |
| Net interest margin | 3.3727% | 5,775 |
| Noninterest income to average assets | 0.5164% | 4,051 |
| Noninterest expense to average assets | 2.8391% | 4,316 |
| Loan and lease loss provision to assets | 0.0535% | 6,540 |
| Net operating income to assets | 0.5205% | 4,217 |
| Return on assets (ROA) | 0.5205% | 4,397 |
| Pretax return on assets | 0.6851% | 4,281 |
| Return on Equity (ROE) | 6.2592% | 3,697 |
| Retained earnings to average equity (ytd only) | 3.3868% | 4,065 |
| Net charge-offs to loans | 0.0108% | 6,516 |
| Credit loss provision to net charge-offs | 900.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 124.3278% | 258 |
| Efficiency ratio | 79.3556% | 2,443 |
| Assets per employee ($millions) | 3.5856% | 4,764 |
| Cash dividends to net income (ytd only)* | 45.8907% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 6,005 |
| Loan loss allowance to noncurrent loans | 126.5918% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 5,739 |
| Noncurrent loans to loans | 0.8568% | 5,508 |
| Net loans and leases to total assets | 53.7302% | 5,885 |
| Net loans and leases to deposits | 63.1928% | 6,007 |
| Net loans and leases to core deposits | 64.9347% | 6,215 |
| Total domestic deposits to total assets | 85.0259% | 3,606 |
| Equity capital to assets | 8.2545% | 6,556 |
| Core capital (leverage) ratio | 8.0628% | 6,257 |
| Tier 1 risk-based capital ratio | 14.8689% | 3,321 |
| Total risk-based capital ratio | 15.9558% | 3,371 |
| Memoranda: | ||
| Average total assets | $224,385,750 | 2,852 |
| Average earning assets | $203,668,250 | 2,876 |
| Average equity | $18,660,000 | 3,366 |
| Average total loans | $123,773,750 | 3,288 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 6,150 |
| Cost of funding earning assets | 1.3257% | 4,374 |
| Net interest margin | 3.3723% | 5,748 |
| Noninterest income to average assets | 0.5173% | 3,973 |
| Noninterest expense to average assets | 2.7815% | 4,569 |
| Loan and lease loss provision to assets | 0.0539% | 6,420 |
| Net operating income to assets | 0.5550% | 4,063 |
| Return on assets (ROA) | 0.5550% | 4,206 |
| Pretax return on assets | 0.7365% | 4,121 |
| Return on Equity (ROE) | 6.6573% | 3,460 |
| Retained earnings to average equity (ytd only) | 3.7703% | 3,691 |
| Net charge-offs to loans | 0.0130% | 6,161 |
| Credit loss provision to net charge-offs | 750.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 304 |
| Efficiency ratio | 77.8728% | 2,748 |
| Assets per employee ($millions) | 3.4807% | 4,966 |
| Cash dividends to net income (ytd only)* | 43.3657% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 6,060 |
| Loan loss allowance to noncurrent loans | 154.1327% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.6215% | 5,943 |
| Noncurrent loans to loans | 0.6974% | 5,851 |
| Net loans and leases to total assets | 53.8549% | 6,008 |
| Net loans and leases to deposits | 63.8573% | 6,052 |
| Net loans and leases to core deposits | 66.0378% | 6,243 |
| Total domestic deposits to total assets | 84.3363% | 3,939 |
| Equity capital to assets | 8.3225% | 6,396 |
| Core capital (leverage) ratio | 8.1745% | 5,988 |
| Tier 1 risk-based capital ratio | 14.9416% | 3,180 |
| Total risk-based capital ratio | 16.0183% | 3,254 |
| Memoranda: | ||
| Average total assets | $222,689,000 | 2,897 |
| Average earning assets | $201,700,000 | 2,924 |
| Average equity | $18,566,000 | 3,366 |
| Average total loans | $123,481,670 | 3,334 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7204% | 6,177 |
| Cost of funding earning assets | 1.3412% | 4,555 |
| Net interest margin | 3.3791% | 5,671 |
| Noninterest income to average assets | 0.5215% | 3,885 |
| Noninterest expense to average assets | 2.7685% | 4,615 |
| Loan and lease loss provision to assets | 0.0543% | 6,118 |
| Net operating income to assets | 0.5305% | 4,229 |
| Return on assets (ROA) | 0.5305% | 4,366 |
| Pretax return on assets | 0.7551% | 4,046 |
| Return on Equity (ROE) | 6.3576% | 3,692 |
| Retained earnings to average equity (ytd only) | 3.4501% | 4,080 |
| Net charge-offs to loans | 0.0291% | 5,163 |
| Credit loss provision to net charge-offs | 333.3333% | 1,193 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 583 |
| Efficiency ratio | 77.3785% | 3,000 |
| Assets per employee ($millions) | 3.8025% | 4,305 |
| Cash dividends to net income (ytd only)* | 45.7338% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 6,221 |
| Loan loss allowance to noncurrent loans | 256.5476% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 6,299 |
| Noncurrent loans to loans | 0.4097% | 6,475 |
| Net loans and leases to total assets | 54.2568% | 5,997 |
| Net loans and leases to deposits | 64.4375% | 6,012 |
| Net loans and leases to core deposits | 66.8455% | 6,223 |
| Total domestic deposits to total assets | 84.2007% | 4,050 |
| Equity capital to assets | 8.2631% | 6,347 |
| Core capital (leverage) ratio | 8.2498% | 5,833 |
| Tier 1 risk-based capital ratio | 14.8271% | 3,197 |
| Total risk-based capital ratio | 15.8815% | 3,266 |
| Memoranda: | ||
| Average total assets | $220,912,000 | 2,976 |
| Average earning assets | $199,815,000 | 3,005 |
| Average equity | $18,434,500 | 3,413 |
| Average total loans | $123,639,000 | 3,388 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1114% | 6,038 |
| Cost of funding earning assets | 1.7381% | 4,321 |
| Net interest margin | 3.3732% | 5,479 |
| Noninterest income to average assets | 0.6137% | 3,522 |
| Noninterest expense to average assets | 2.8526% | 4,737 |
| Loan and lease loss provision to assets | 0.1236% | 6,405 |
| Net operating income to assets | 0.5225% | 3,642 |
| Return on assets (ROA) | 0.5225% | 3,726 |
| Pretax return on assets | 0.6844% | 3,628 |
| Return on Equity (ROE) | 5.9463% | 3,234 |
| Retained earnings to average equity (ytd only) | 2.9787% | 3,083 |
| Net charge-offs to loans | 0.2253% | 5,210 |
| Credit loss provision to net charge-offs | 93.4066% | 5,876 |
| Earnings coverage of net charge-offs (x) | 6.1062% | 2,436 |
| Efficiency ratio | 77.9264% | 3,206 |
| Assets per employee ($millions) | 3.7496% | 4,395 |
| Cash dividends to net income (ytd only)* | 49.9072% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 6,240 |
| Loan loss allowance to noncurrent loans | 197.9782% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 6,077 |
| Noncurrent loans to loans | 0.5175% | 6,215 |
| Net loans and leases to total assets | 56.5524% | 5,888 |
| Net loans and leases to deposits | 67.4123% | 5,898 |
| Net loans and leases to core deposits | 85.3492% | 5,587 |
| Total domestic deposits to total assets | 83.8903% | 4,074 |
| Equity capital to assets | 8.4289% | 6,010 |
| Core capital (leverage) ratio | 8.4444% | 5,368 |
| Tier 1 risk-based capital ratio | 14.4311% | 3,246 |
| Total risk-based capital ratio | 15.4504% | 3,336 |
| Memoranda: | ||
| Average total assets | $206,303,000 | 3,104 |
| Average earning assets | $186,349,000 | 3,137 |
| Average equity | $18,129,000 | 3,488 |
| Average total loans | $121,180,600 | 3,460 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2176% | 5,806 |
| Cost of funding earning assets | 1.8074% | 4,354 |
| Net interest margin | 3.4102% | 5,220 |
| Noninterest income to average assets | 0.6296% | 3,500 |
| Noninterest expense to average assets | 2.8401% | 4,721 |
| Loan and lease loss provision to assets | 0.1081% | 6,292 |
| Net operating income to assets | 0.5726% | 3,718 |
| Return on assets (ROA) | 0.5726% | 3,785 |
| Pretax return on assets | 0.7495% | 3,700 |
| Return on Equity (ROE) | 6.4458% | 3,321 |
| Retained earnings to average equity (ytd only) | 3.4663% | 3,359 |
| Net charge-offs to loans | 0.0487% | 6,233 |
| Credit loss provision to net charge-offs | 375.0000% | 1,073 |
| Earnings coverage of net charge-offs (x) | 29.7476% | 942 |
| Efficiency ratio | 76.8072% | 3,358 |
| Assets per employee ($millions) | 3.5705% | 4,762 |
| Cash dividends to net income (ytd only)* | 46.2241% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,516 |
| Loan loss allowance to noncurrent loans | 83.9881% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.9033% | 5,268 |
| Noncurrent loans to loans | 1.3501% | 4,674 |
| Net loans and leases to total assets | 58.3990% | 5,829 |
| Net loans and leases to deposits | 70.7677% | 5,816 |
| Net loans and leases to core deposits | 87.7533% | 5,662 |
| Total domestic deposits to total assets | 82.5222% | 4,436 |
| Equity capital to assets | 8.7121% | 5,938 |
| Core capital (leverage) ratio | 8.4971% | 5,500 |
| Tier 1 risk-based capital ratio | 14.7351% | 3,165 |
| Total risk-based capital ratio | 15.8932% | 3,152 |
| Memoranda: | ||
| Average total assets | $203,509,250 | 3,163 |
| Average earning assets | $183,094,000 | 3,204 |
| Average equity | $18,078,500 | 3,523 |
| Average total loans | $120,410,250 | 3,503 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2993% | 5,662 |
| Cost of funding earning assets | 1.9055% | 4,229 |
| Net interest margin | 3.3938% | 5,196 |
| Noninterest income to average assets | 0.5718% | 3,887 |
| Noninterest expense to average assets | 2.7754% | 5,064 |
| Loan and lease loss provision to assets | 0.0746% | 6,445 |
| Net operating income to assets | 0.6056% | 3,653 |
| Return on assets (ROA) | 0.6056% | 3,760 |
| Pretax return on assets | 0.7627% | 3,795 |
| Return on Equity (ROE) | 6.7716% | 3,296 |
| Retained earnings to average equity (ytd only) | 3.7805% | 3,191 |
| Net charge-offs to loans | 0.0454% | 5,834 |
| Credit loss provision to net charge-offs | 277.7778% | 1,681 |
| Earnings coverage of net charge-offs (x) | 31.1852% | 971 |
| Efficiency ratio | 76.8236% | 3,536 |
| Assets per employee ($millions) | 3.6250% | 4,509 |
| Cash dividends to net income (ytd only)* | 44.1708% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 5,586 |
| Loan loss allowance to noncurrent loans | 99.7763% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.7439% | 5,548 |
| Noncurrent loans to loans | 1.1048% | 5,006 |
| Net loans and leases to total assets | 57.0954% | 6,077 |
| Net loans and leases to deposits | 69.5827% | 6,032 |
| Net loans and leases to core deposits | 85.6929% | 5,936 |
| Total domestic deposits to total assets | 82.0541% | 4,671 |
| Equity capital to assets | 8.6084% | 5,884 |
| Core capital (leverage) ratio | 8.6359% | 5,207 |
| Tier 1 risk-based capital ratio | 14.8347% | 3,094 |
| Total risk-based capital ratio | 15.9484% | 3,083 |
| Memoranda: | ||
| Average total assets | $201,125,330 | 3,212 |
| Average earning assets | $180,211,330 | 3,257 |
| Average equity | $17,987,000 | 3,550 |
| Average total loans | $119,068,670 | 3,558 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7301% | 3,640 |
| Cost of funding earning assets | 1.9834% | 4,216 |
| Net interest margin | 3.7467% | 3,670 |
| Noninterest income to average assets | 0.5576% | 3,862 |
| Noninterest expense to average assets | 2.7696% | 4,701 |
| Loan and lease loss provision to assets | 0.0773% | 5,989 |
| Net operating income to assets | 0.7916% | 3,164 |
| Return on assets (ROA) | 0.7916% | 3,328 |
| Pretax return on assets | 1.0358% | 3,222 |
| Return on Equity (ROE) | 8.6777% | 2,850 |
| Retained earnings to average equity (ytd only) | 5.6662% | 2,793 |
| Net charge-offs to loans | 0.0916% | 4,257 |
| Credit loss provision to net charge-offs | 140.7407% | 2,899 |
| Earnings coverage of net charge-offs (x) | 20.2593% | 1,384 |
| Efficiency ratio | 71.3312% | 4,307 |
| Assets per employee ($millions) | 3.4734% | 4,885 |
| Cash dividends to net income (ytd only)* | 34.7044% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 5,523 |
| Loan loss allowance to noncurrent loans | 120.9108% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6448% | 5,554 |
| Noncurrent loans to loans | 0.9042% | 5,192 |
| Net loans and leases to total assets | 58.4237% | 5,874 |
| Net loans and leases to deposits | 71.9069% | 5,758 |
| Net loans and leases to core deposits | 85.2921% | 5,964 |
| Total domestic deposits to total assets | 81.2490% | 4,866 |
| Equity capital to assets | 8.9235% | 5,444 |
| Core capital (leverage) ratio | 9.1162% | 4,526 |
| Tier 1 risk-based capital ratio | 14.9336% | 3,103 |
| Total risk-based capital ratio | 16.0289% | 3,096 |
| Memoranda: | ||
| Average total assets | $196,564,000 | 3,278 |
| Average earning assets | $174,447,500 | 3,359 |
| Average equity | $17,931,000 | 3,571 |
| Average total loans | $117,913,000 | 3,605 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9897% | 5,594 |
| Cost of funding earning assets | 2.2106% | 5,555 |
| Net interest margin | 3.7791% | 4,105 |
| Noninterest income to average assets | 0.5775% | 4,026 |
| Noninterest expense to average assets | 3.1257% | 3,599 |
| Loan and lease loss provision to assets | 0.0760% | 6,450 |
| Net operating income to assets | 0.6508% | 4,104 |
| Return on assets (ROA) | 0.6508% | 3,953 |
| Pretax return on assets | 0.8537% | 3,876 |
| Return on Equity (ROE) | 6.8544% | 3,600 |
| Retained earnings to average equity (ytd only) | 3.8158% | 2,757 |
| Net charge-offs to loans | 0.0018% | 7,003 |
| Credit loss provision to net charge-offs | 6,800.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 831.5000% | 59 |
| Efficiency ratio | 77.0747% | 3,065 |
| Assets per employee ($millions) | 3.3047% | 5,198 |
| Cash dividends to net income (ytd only)* | 44.3299% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 5,246 |
| Loan loss allowance to noncurrent loans | 115.0758% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 5,431 |
| Noncurrent loans to loans | 0.9595% | 4,685 |
| Net loans and leases to total assets | 60.2785% | 5,872 |
| Net loans and leases to deposits | 75.0386% | 5,726 |
| Net loans and leases to core deposits | 86.1696% | 6,122 |
| Total domestic deposits to total assets | 80.3299% | 4,897 |
| Equity capital to assets | 9.3310% | 4,899 |
| Core capital (leverage) ratio | 9.1600% | 4,502 |
| Tier 1 risk-based capital ratio | 15.1280% | 2,984 |
| Total risk-based capital ratio | 16.2443% | 2,961 |
| Memoranda: | ||
| Average total assets | $178,869,200 | 3,419 |
| Average earning assets | $164,616,000 | 3,408 |
| Average equity | $16,981,800 | 3,744 |
| Average total loans | $113,126,200 | 3,608 |