Home > FORTE BANK > Performance and Condition Ratios
FORTE BANK, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 3,139 |
| Cost of funding earning assets | 1.1807% | 2,854 |
| Net interest margin | 3.2900% | 2,663 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.3900% | 2,624 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.7768% | 2,952 |
| Return on assets (ROA) | 0.7768% | 2,932 |
| Pretax return on assets | 1.0033% | 2,679 |
| Return on Equity (ROE) | 7.6800% | 3,103 |
| Retained earnings to average equity (ytd only) | 5.4767% | 2,413 |
| Net charge-offs to loans | -0.0057% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.3578% | 2,185 |
| Assets per employee ($millions) | 7.1052% | 2,007 |
| Cash dividends to net income (ytd only)* | 28.6935% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 2,588 |
| Loan loss allowance to noncurrent loans | 1,326.9531% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 3,104 |
| Noncurrent loans to loans | 0.0862% | 3,116 |
| Net loans and leases to total assets | 79.4700% | 702 |
| Net loans and leases to deposits | 96.2853% | 761 |
| Net loans and leases to core deposits | 102.2866% | 1,319 |
| Total domestic deposits to total assets | 82.5400% | 3,007 |
| Equity capital to assets | 10.2084% | 1,893 |
| Core capital (leverage) ratio | 10.3550% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9786% | 1,874 |
| Memoranda: | ||
| Average total assets | $361,594,200 | 2,154 |
| Average earning assets | $341,913,200 | 2,120 |
| Average equity | $36,573,200 | 1,998 |
| Average total loans | $295,981,600 | 1,805 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 3,105 |
| Cost of funding earning assets | 1.0750% | 2,812 |
| Net interest margin | 3.3236% | 2,632 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.5763% | 2,012 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.7215% | 3,253 |
| Return on assets (ROA) | 0.7215% | 3,237 |
| Pretax return on assets | 0.8672% | 3,184 |
| Return on Equity (ROE) | 7.1500% | 3,391 |
| Retained earnings to average equity (ytd only) | 4.7215% | 3,034 |
| Net charge-offs to loans | -0.0059% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.6539% | 1,606 |
| Assets per employee ($millions) | 6.5897% | 2,254 |
| Cash dividends to net income (ytd only)* | 33.9671% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 2,871 |
| Loan loss allowance to noncurrent loans | 1,099.3220% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 3,047 |
| Noncurrent loans to loans | 0.1000% | 3,074 |
| Net loans and leases to total assets | 80.5000% | 590 |
| Net loans and leases to deposits | 97.6328% | 638 |
| Net loans and leases to core deposits | 103.0018% | 1,165 |
| Total domestic deposits to total assets | 82.4500% | 3,135 |
| Equity capital to assets | 10.2088% | 1,700 |
| Core capital (leverage) ratio | 10.1696% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2338% | 2,189 |
| Memoranda: | ||
| Average total assets | $359,624,750 | 2,166 |
| Average earning assets | $340,589,500 | 2,131 |
| Average equity | $36,287,250 | 1,993 |
| Average total loans | $295,721,750 | 1,807 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 3,090 |
| Cost of funding earning assets | 0.9468% | 2,789 |
| Net interest margin | 3.3594% | 2,615 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.6017% | 1,927 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.7031% | 3,338 |
| Return on assets (ROA) | 0.7031% | 3,342 |
| Pretax return on assets | 0.8944% | 3,176 |
| Return on Equity (ROE) | 7.0000% | 3,479 |
| Retained earnings to average equity (ytd only) | 4.1554% | 3,173 |
| Net charge-offs to loans | -0.0054% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.4548% | 1,621 |
| Assets per employee ($millions) | 6.3153% | 2,460 |
| Cash dividends to net income (ytd only)* | 40.6027% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 3,214 |
| Loan loss allowance to noncurrent loans | 980.6349% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 2,933 |
| Noncurrent loans to loans | 0.1067% | 2,948 |
| Net loans and leases to total assets | 79.7600% | 660 |
| Net loans and leases to deposits | 96.3252% | 717 |
| Net loans and leases to core deposits | 100.9779% | 1,184 |
| Total domestic deposits to total assets | 82.8000% | 3,089 |
| Equity capital to assets | 9.9550% | 1,882 |
| Core capital (leverage) ratio | 10.1688% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9854% | 2,304 |
| Memoranda: | ||
| Average total assets | $358,689,333 | 2,174 |
| Average earning assets | $339,464,000 | 2,144 |
| Average equity | $36,049,667 | 2,020 |
| Average total loans | $295,959,667 | 1,798 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 2,793 |
| Cost of funding earning assets | 0.7746% | 2,826 |
| Net interest margin | 3.5291% | 2,288 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.6577% | 1,780 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.6999% | 3,466 |
| Return on assets (ROA) | 0.6999% | 3,414 |
| Pretax return on assets | 0.9163% | 3,190 |
| Return on Equity (ROE) | 6.9300% | 3,534 |
| Retained earnings to average equity (ytd only) | 2.8569% | 3,537 |
| Net charge-offs to loans | -0.0054% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.8683% | 1,544 |
| Assets per employee ($millions) | 6.1384% | 2,647 |
| Cash dividends to net income (ytd only)* | 58.7762% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 3,578 |
| Loan loss allowance to noncurrent loans | 1,074.7253% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 3,018 |
| Noncurrent loans to loans | 0.0916% | 3,092 |
| Net loans and leases to total assets | 84.3600% | 210 |
| Net loans and leases to deposits | 101.4654% | 382 |
| Net loans and leases to core deposits | 107.1868% | 791 |
| Total domestic deposits to total assets | 83.1400% | 3,269 |
| Equity capital to assets | 10.2804% | 1,679 |
| Core capital (leverage) ratio | 10.1490% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6279% | 2,522 |
| Memoranda: | ||
| Average total assets | $354,890,000 | 2,215 |
| Average earning assets | $335,152,000 | 2,184 |
| Average equity | $35,842,500 | 2,049 |
| Average total loans | $296,327,500 | 1,805 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0082% | 1,693 |
| Cost of funding earning assets | 0.2969% | 2,903 |
| Net interest margin | 3.7113% | 1,352 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.5101% | 2,081 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.9576% | 2,737 |
| Return on assets (ROA) | 0.9576% | 2,686 |
| Pretax return on assets | 1.3020% | 2,078 |
| Return on Equity (ROE) | 9.7200% | 2,896 |
| Retained earnings to average equity (ytd only) | 7.3852% | 2,072 |
| Net charge-offs to loans | -0.0062% | 3,674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.0684% | 2,478 |
| Assets per employee ($millions) | 6.2050% | 2,587 |
| Cash dividends to net income (ytd only)* | 24.0110% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 3,577 |
| Loan loss allowance to noncurrent loans | 1,820.0000% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 3,374 |
| Noncurrent loans to loans | 0.0526% | 3,380 |
| Net loans and leases to total assets | 81.0600% | 493 |
| Net loans and leases to deposits | 94.0803% | 776 |
| Net loans and leases to core deposits | 99.3651% | 1,037 |
| Total domestic deposits to total assets | 86.1600% | 2,680 |
| Equity capital to assets | 9.9238% | 1,741 |
| Core capital (leverage) ratio | 10.1227% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4955% | 2,574 |
| Memoranda: | ||
| Average total assets | $340,549,400 | 2,259 |
| Average earning assets | $319,967,400 | 2,236 |
| Average equity | $33,553,600 | 2,180 |
| Average total loans | $273,391,000 | 1,841 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9160% | 1,448 |
| Cost of funding earning assets | 0.2281% | 2,946 |
| Net interest margin | 3.6878% | 1,173 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.5164% | 1,968 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.9710% | 2,590 |
| Return on assets (ROA) | 0.9710% | 2,558 |
| Pretax return on assets | 1.2884% | 2,089 |
| Return on Equity (ROE) | 9.8700% | 2,770 |
| Retained earnings to average equity (ytd only) | 7.2858% | 2,272 |
| Net charge-offs to loans | -0.0065% | 3,559 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.3249% | 2,500 |
| Assets per employee ($millions) | 5.8255% | 2,910 |
| Cash dividends to net income (ytd only)* | 26.2168% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 3,645 |
| Loan loss allowance to noncurrent loans | 5,681.2500% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,828 |
| Noncurrent loans to loans | 0.0169% | 3,801 |
| Net loans and leases to total assets | 81.6400% | 403 |
| Net loans and leases to deposits | 95.0515% | 592 |
| Net loans and leases to core deposits | 97.7502% | 909 |
| Total domestic deposits to total assets | 85.8900% | 3,089 |
| Equity capital to assets | 10.1951% | 1,528 |
| Core capital (leverage) ratio | 10.2101% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6062% | 2,617 |
| Memoranda: | ||
| Average total assets | $335,714,000 | 2,294 |
| Average earning assets | $315,587,500 | 2,273 |
| Average equity | $33,013,250 | 2,229 |
| Average total loans | $268,101,250 | 1,862 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8003% | 1,318 |
| Cost of funding earning assets | 0.1998% | 2,914 |
| Net interest margin | 3.6004% | 1,068 |
| Noninterest income to average assets | 0.4606% | 2,394 |
| Noninterest expense to average assets | 2.5239% | 1,850 |
| Loan and lease loss provision to assets | 0.1081% | 919 |
| Net operating income to assets | 0.9110% | 2,535 |
| Return on assets (ROA) | 0.9110% | 2,504 |
| Pretax return on assets | 1.2046% | 2,062 |
| Return on Equity (ROE) | 9.3823% | 2,569 |
| Retained earnings to average equity (ytd only) | 6.2899% | 2,241 |
| Net charge-offs to loans | -0.0061% | 3,407 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7849% | 2,541 |
| Assets per employee ($millions) | 6.1826% | 2,578 |
| Cash dividends to net income (ytd only)* | 32.9598% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 3,777 |
| Loan loss allowance to noncurrent loans | 1,676.4331% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 3,525 |
| Noncurrent loans to loans | 0.0569% | 3,527 |
| Net loans and leases to total assets | 80.3101% | 378 |
| Net loans and leases to deposits | 93.4378% | 546 |
| Net loans and leases to core deposits | 94.8041% | 880 |
| Total domestic deposits to total assets | 85.9503% | 3,259 |
| Equity capital to assets | 10.0729% | 1,675 |
| Core capital (leverage) ratio | 10.0762% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5664% | 2,656 |
| Memoranda: | ||
| Average total assets | $333,050,333 | 2,312 |
| Average earning assets | $312,295,000 | 2,314 |
| Average equity | $32,337,333 | 2,305 |
| Average total loans | $263,028,000 | 1,884 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6541% | 1,376 |
| Cost of funding earning assets | 0.1901% | 2,950 |
| Net interest margin | 3.4641% | 1,150 |
| Noninterest income to average assets | 0.4454% | 2,411 |
| Noninterest expense to average assets | 2.5137% | 1,853 |
| Loan and lease loss provision to assets | 0.1092% | 762 |
| Net operating income to assets | 0.7999% | 2,658 |
| Return on assets (ROA) | 0.7999% | 2,650 |
| Pretax return on assets | 1.0523% | 2,287 |
| Return on Equity (ROE) | 8.4003% | 2,552 |
| Retained earnings to average equity (ytd only) | 3.6711% | 3,049 |
| Net charge-offs to loans | -0.0062% | 3,413 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3950% | 2,455 |
| Assets per employee ($millions) | 6.1052% | 2,706 |
| Cash dividends to net income (ytd only)* | 56.2974% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 3,882 |
| Loan loss allowance to noncurrent loans | 4,614.5455% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 3,894 |
| Noncurrent loans to loans | 0.0208% | 3,847 |
| Net loans and leases to total assets | 78.1228% | 368 |
| Net loans and leases to deposits | 90.3198% | 493 |
| Net loans and leases to core deposits | 91.3493% | 849 |
| Total domestic deposits to total assets | 86.4958% | 3,103 |
| Equity capital to assets | 9.3882% | 2,373 |
| Core capital (leverage) ratio | 9.5631% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1936% | 2,531 |
| Memoranda: | ||
| Average total assets | $329,554,500 | 2,343 |
| Average earning assets | $307,269,000 | 2,351 |
| Average equity | $31,380,000 | 2,416 |
| Average total loans | $256,682,000 | 1,903 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9345% | 1,527 |
| Cost of funding earning assets | 0.2588% | 2,824 |
| Net interest margin | 3.6757% | 1,275 |
| Noninterest income to average assets | 0.7888% | 1,474 |
| Noninterest expense to average assets | 2.5890% | 1,901 |
| Loan and lease loss provision to assets | 0.0598% | 1,862 |
| Net operating income to assets | 1.1424% | 2,135 |
| Return on assets (ROA) | 1.1424% | 2,189 |
| Pretax return on assets | 1.5267% | 1,634 |
| Return on Equity (ROE) | 11.6857% | 1,920 |
| Retained earnings to average equity (ytd only) | 9.4890% | 1,052 |
| Net charge-offs to loans | -0.0076% | 3,658 |
| Credit loss provision to net charge-offs | -1,070.5882% | 3,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0055% | 2,866 |
| Assets per employee ($millions) | 5.8786% | 2,885 |
| Cash dividends to net income (ytd only)* | 18.7985% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 3,815 |
| Loan loss allowance to noncurrent loans | 7,406.0606% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 4,052 |
| Noncurrent loans to loans | 0.0133% | 3,996 |
| Net loans and leases to total assets | 76.1024% | 514 |
| Net loans and leases to deposits | 86.5792% | 743 |
| Net loans and leases to core deposits | 87.6671% | 1,094 |
| Total domestic deposits to total assets | 87.8992% | 2,101 |
| Equity capital to assets | 9.6609% | 2,987 |
| Core capital (leverage) ratio | 9.8019% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,522,200 | 2,413 |
| Average earning assets | $280,570,600 | 2,437 |
| Average equity | $29,771,400 | 2,548 |
| Average total loans | $222,960,200 | 2,088 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 1,872 |
| Cost of funding earning assets | 0.2786% | 2,817 |
| Net interest margin | 3.5869% | 1,631 |
| Noninterest income to average assets | 0.8378% | 1,419 |
| Noninterest expense to average assets | 2.5477% | 1,980 |
| Loan and lease loss provision to assets | 0.0430% | 2,133 |
| Net operating income to assets | 1.1664% | 2,291 |
| Return on assets (ROA) | 1.1664% | 2,355 |
| Pretax return on assets | 1.5507% | 1,847 |
| Return on Equity (ROE) | 11.8933% | 2,085 |
| Retained earnings to average equity (ytd only) | 9.4221% | 1,527 |
| Net charge-offs to loans | -0.0068% | 3,530 |
| Credit loss provision to net charge-offs | -881.8182% | 3,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5162% | 2,767 |
| Assets per employee ($millions) | 5.5685% | 3,124 |
| Cash dividends to net income (ytd only)* | 20.7777% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,762 |
| Loan loss allowance to noncurrent loans | 379.5161% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 2,801 |
| Noncurrent loans to loans | 0.2697% | 2,837 |
| Net loans and leases to total assets | 72.9662% | 779 |
| Net loans and leases to deposits | 83.2409% | 1,012 |
| Net loans and leases to core deposits | 85.0620% | 1,348 |
| Total domestic deposits to total assets | 87.6566% | 2,027 |
| Equity capital to assets | 9.7773% | 3,127 |
| Core capital (leverage) ratio | 9.8833% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,821,500 | 2,460 |
| Average earning assets | $276,146,500 | 2,473 |
| Average equity | $29,405,250 | 2,608 |
| Average total loans | $216,574,750 | 2,156 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9249% | 1,756 |
| Cost of funding earning assets | 0.3026% | 2,753 |
| Net interest margin | 3.6223% | 1,538 |
| Noninterest income to average assets | 0.8370% | 1,436 |
| Noninterest expense to average assets | 2.5164% | 2,089 |
| Loan and lease loss provision to assets | 0.0656% | 1,733 |
| Net operating income to assets | 1.2075% | 2,168 |
| Return on assets (ROA) | 1.2075% | 2,235 |
| Pretax return on assets | 1.6050% | 1,720 |
| Return on Equity (ROE) | 12.2986% | 1,947 |
| Retained earnings to average equity (ytd only) | 9.2962% | 1,624 |
| Net charge-offs to loans | -0.0075% | 3,562 |
| Credit loss provision to net charge-offs | -1,212.5000% | 3,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1001% | 3,011 |
| Assets per employee ($millions) | 5.7699% | 2,832 |
| Cash dividends to net income (ytd only)* | 24.4121% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,553 |
| Loan loss allowance to noncurrent loans | 374.9601% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 2,920 |
| Noncurrent loans to loans | 0.2847% | 2,914 |
| Net loans and leases to total assets | 71.2400% | 1,052 |
| Net loans and leases to deposits | 81.2429% | 1,299 |
| Net loans and leases to core deposits | 82.8502% | 1,651 |
| Total domestic deposits to total assets | 87.6877% | 1,992 |
| Equity capital to assets | 9.7320% | 3,109 |
| Core capital (leverage) ratio | 9.8942% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,817,000 | 2,473 |
| Average earning assets | $273,586,333 | 2,485 |
| Average equity | $29,044,000 | 2,622 |
| Average total loans | $212,137,333 | 2,195 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 1,921 |
| Cost of funding earning assets | 0.3248% | 2,754 |
| Net interest margin | 3.5404% | 1,724 |
| Noninterest income to average assets | 0.9532% | 1,213 |
| Noninterest expense to average assets | 2.5885% | 1,913 |
| Loan and lease loss provision to assets | 0.0674% | 1,806 |
| Net operating income to assets | 1.2049% | 2,123 |
| Return on assets (ROA) | 1.2049% | 2,208 |
| Pretax return on assets | 1.5955% | 1,742 |
| Return on Equity (ROE) | 12.2152% | 1,937 |
| Retained earnings to average equity (ytd only) | 7.6554% | 2,361 |
| Net charge-offs to loans | -0.0077% | 3,557 |
| Credit loss provision to net charge-offs | -1,225.0000% | 3,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8864% | 2,921 |
| Assets per employee ($millions) | 5.6165% | 3,001 |
| Cash dividends to net income (ytd only)* | 37.3288% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,524 |
| Loan loss allowance to noncurrent loans | 5,222.7273% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,268 |
| Noncurrent loans to loans | 0.0207% | 4,181 |
| Net loans and leases to total assets | 72.1162% | 1,005 |
| Net loans and leases to deposits | 82.2835% | 1,318 |
| Net loans and leases to core deposits | 84.3868% | 1,644 |
| Total domestic deposits to total assets | 87.6436% | 2,020 |
| Equity capital to assets | 9.9158% | 2,782 |
| Core capital (leverage) ratio | 10.0343% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,822,000 | 2,482 |
| Average earning assets | $270,931,000 | 2,487 |
| Average equity | $28,685,500 | 2,635 |
| Average total loans | $208,102,000 | 2,228 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 2,593 |
| Cost of funding earning assets | 0.4653% | 3,185 |
| Net interest margin | 3.5821% | 2,205 |
| Noninterest income to average assets | 1.1015% | 877 |
| Noninterest expense to average assets | 2.8047% | 1,932 |
| Loan and lease loss provision to assets | 0.2230% | 1,752 |
| Net operating income to assets | 1.0550% | 2,086 |
| Return on assets (ROA) | 1.0550% | 2,224 |
| Pretax return on assets | 1.3879% | 1,692 |
| Return on Equity (ROE) | 10.2016% | 1,933 |
| Retained earnings to average equity (ytd only) | 8.0300% | 1,042 |
| Net charge-offs to loans | -0.0057% | 4,169 |
| Credit loss provision to net charge-offs | -5,318.1818% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5178% | 2,891 |
| Assets per employee ($millions) | 5.6782% | 2,654 |
| Cash dividends to net income (ytd only)* | 21.2866% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 3,440 |
| Loan loss allowance to noncurrent loans | 4,677.0833% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 4,319 |
| Noncurrent loans to loans | 0.0236% | 4,234 |
| Net loans and leases to total assets | 69.4232% | 1,628 |
| Net loans and leases to deposits | 80.2238% | 1,840 |
| Net loans and leases to core deposits | 82.3098% | 2,172 |
| Total domestic deposits to total assets | 86.5370% | 2,126 |
| Equity capital to assets | 9.8109% | 3,305 |
| Core capital (leverage) ratio | 10.0455% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,274,000 | 2,506 |
| Average earning assets | $242,652,000 | 2,509 |
| Average equity | $27,123,200 | 2,666 |
| Average total loans | $191,714,200 | 2,312 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 2,841 |
| Cost of funding earning assets | 0.4970% | 3,239 |
| Net interest margin | 3.5488% | 2,428 |
| Noninterest income to average assets | 0.9870% | 1,040 |
| Noninterest expense to average assets | 2.8493% | 1,825 |
| Loan and lease loss provision to assets | 0.2036% | 1,966 |
| Net operating income to assets | 0.9301% | 2,598 |
| Return on assets (ROA) | 0.9301% | 2,729 |
| Pretax return on assets | 1.2141% | 2,349 |
| Return on Equity (ROE) | 8.8650% | 2,453 |
| Retained earnings to average equity (ytd only) | 6.4771% | 1,893 |
| Net charge-offs to loans | -0.0042% | 4,018 |
| Credit loss provision to net charge-offs | -6,500.0000% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7768% | 2,350 |
| Assets per employee ($millions) | 5.1638% | 3,053 |
| Cash dividends to net income (ytd only)* | 26.9360% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,702 |
| Loan loss allowance to noncurrent loans | 371.3249% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 3,432 |
| Noncurrent loans to loans | 0.2697% | 3,328 |
| Net loans and leases to total assets | 73.9075% | 1,380 |
| Net loans and leases to deposits | 85.9047% | 1,717 |
| Net loans and leases to core deposits | 88.1763% | 2,128 |
| Total domestic deposits to total assets | 86.0343% | 2,054 |
| Equity capital to assets | 10.0612% | 3,177 |
| Core capital (leverage) ratio | 10.0349% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,446,000 | 2,530 |
| Average earning assets | $236,095,500 | 2,534 |
| Average equity | $26,801,250 | 2,683 |
| Average total loans | $188,821,500 | 2,335 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2754% | 2,535 |
| Cost of funding earning assets | 0.5356% | 3,314 |
| Net interest margin | 3.7398% | 2,028 |
| Noninterest income to average assets | 0.9199% | 1,123 |
| Noninterest expense to average assets | 2.9411% | 1,735 |
| Loan and lease loss provision to assets | 0.1925% | 2,108 |
| Net operating income to assets | 0.9432% | 2,526 |
| Return on assets (ROA) | 0.9432% | 2,653 |
| Pretax return on assets | 1.2303% | 2,258 |
| Return on Equity (ROE) | 8.8566% | 2,417 |
| Retained earnings to average equity (ytd only) | 6.0626% | 2,051 |
| Net charge-offs to loans | -0.0044% | 3,975 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3957% | 2,321 |
| Assets per employee ($millions) | 4.9799% | 3,194 |
| Cash dividends to net income (ytd only)* | 31.5476% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 3,768 |
| Loan loss allowance to noncurrent loans | 1,802.8571% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 4,351 |
| Noncurrent loans to loans | 0.0531% | 4,273 |
| Net loans and leases to total assets | 71.5567% | 1,792 |
| Net loans and leases to deposits | 83.9171% | 2,006 |
| Net loans and leases to core deposits | 86.0296% | 2,434 |
| Total domestic deposits to total assets | 85.2707% | 2,276 |
| Equity capital to assets | 9.8720% | 3,311 |
| Core capital (leverage) ratio | 10.2650% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,366,667 | 2,543 |
| Average earning assets | $229,640,000 | 2,556 |
| Average equity | $26,556,333 | 2,679 |
| Average total loans | $183,655,667 | 2,370 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,809 |
| Cost of funding earning assets | 0.5960% | 3,456 |
| Net interest margin | 3.7385% | 2,186 |
| Noninterest income to average assets | 0.6461% | 1,842 |
| Noninterest expense to average assets | 3.0788% | 1,696 |
| Loan and lease loss provision to assets | 0.0759% | 2,777 |
| Net operating income to assets | 0.7153% | 3,224 |
| Return on assets (ROA) | 0.7153% | 3,303 |
| Pretax return on assets | 0.9093% | 3,110 |
| Return on Equity (ROE) | 6.4450% | 3,150 |
| Retained earnings to average equity (ytd only) | 2.4625% | 3,284 |
| Net charge-offs to loans | -0.0045% | 3,834 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7576% | 1,588 |
| Assets per employee ($millions) | 4.3152% | 3,516 |
| Cash dividends to net income (ytd only)* | 61.7925% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 4,005 |
| Loan loss allowance to noncurrent loans | 1,585.9813% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 4,383 |
| Noncurrent loans to loans | 0.0586% | 4,315 |
| Net loans and leases to total assets | 76.1791% | 1,272 |
| Net loans and leases to deposits | 89.3436% | 1,591 |
| Net loans and leases to core deposits | 91.9415% | 2,166 |
| Total domestic deposits to total assets | 85.2653% | 2,303 |
| Equity capital to assets | 11.1217% | 2,759 |
| Core capital (leverage) ratio | 11.2331% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,102,000 | 2,577 |
| Average earning assets | $216,769,500 | 2,599 |
| Average equity | $26,315,000 | 2,691 |
| Average total loans | $176,541,500 | 2,394 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 3,203 |
| Cost of funding earning assets | 0.5653% | 3,799 |
| Net interest margin | 3.8511% | 2,333 |
| Noninterest income to average assets | 0.6479% | 2,011 |
| Noninterest expense to average assets | 3.0277% | 1,944 |
| Loan and lease loss provision to assets | 0.0743% | 2,508 |
| Net operating income to assets | 0.8321% | 3,446 |
| Return on assets (ROA) | 0.8321% | 3,536 |
| Pretax return on assets | 1.0676% | 3,274 |
| Return on Equity (ROE) | 7.2431% | 3,468 |
| Retained earnings to average equity (ytd only) | 5.3461% | 2,251 |
| Net charge-offs to loans | -0.0062% | 4,372 |
| Credit loss provision to net charge-offs | -1,650.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6134% | 1,781 |
| Assets per employee ($millions) | 4.3067% | 3,497 |
| Cash dividends to net income (ytd only)* | 26.1905% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 3,664 |
| Loan loss allowance to noncurrent loans | 1,459.2920% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 4,396 |
| Noncurrent loans to loans | 0.0662% | 4,274 |
| Net loans and leases to total assets | 71.3209% | 2,203 |
| Net loans and leases to deposits | 81.7814% | 2,582 |
| Net loans and leases to core deposits | 83.8279% | 2,964 |
| Total domestic deposits to total assets | 87.2092% | 1,515 |
| Equity capital to assets | 11.0755% | 2,924 |
| Core capital (leverage) ratio | 11.1465% | 2,380 |
| Tier 1 risk-based capital ratio | 14.8619% | 2,840 |
| Total risk-based capital ratio | 15.8033% | 2,897 |
| Memoranda: | ||
| Average total assets | $222,086,400 | 2,641 |
| Average earning assets | $203,085,800 | 2,680 |
| Average equity | $25,513,800 | 2,682 |
| Average total loans | $162,511,600 | 2,480 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4032% | 3,347 |
| Cost of funding earning assets | 0.5442% | 3,967 |
| Net interest margin | 3.8590% | 2,406 |
| Noninterest income to average assets | 0.6850% | 1,850 |
| Noninterest expense to average assets | 2.9884% | 2,012 |
| Loan and lease loss provision to assets | 0.0733% | 2,420 |
| Net operating income to assets | 0.9005% | 3,347 |
| Return on assets (ROA) | 0.9005% | 3,419 |
| Pretax return on assets | 1.1600% | 3,101 |
| Return on Equity (ROE) | 7.7628% | 3,408 |
| Retained earnings to average equity (ytd only) | 5.7945% | 2,463 |
| Net charge-offs to loans | -0.0108% | 4,398 |
| Credit loss provision to net charge-offs | -923.0769% | 4,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7881% | 2,004 |
| Assets per employee ($millions) | 4.3352% | 3,432 |
| Cash dividends to net income (ytd only)* | 25.3557% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 3,854 |
| Loan loss allowance to noncurrent loans | 1,226.7176% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 4,220 |
| Noncurrent loans to loans | 0.0769% | 4,298 |
| Net loans and leases to total assets | 73.4898% | 1,920 |
| Net loans and leases to deposits | 84.6827% | 2,355 |
| Net loans and leases to core deposits | 86.4246% | 2,870 |
| Total domestic deposits to total assets | 86.7825% | 1,628 |
| Equity capital to assets | 11.3033% | 2,834 |
| Core capital (leverage) ratio | 11.3760% | 2,320 |
| Tier 1 risk-based capital ratio | 14.8070% | 2,949 |
| Total risk-based capital ratio | 15.7303% | 3,004 |
| Memoranda: | ||
| Average total assets | $218,391,500 | 2,700 |
| Average earning assets | $200,153,000 | 2,731 |
| Average equity | $25,333,750 | 2,701 |
| Average total loans | $160,493,500 | 2,530 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 3,466 |
| Cost of funding earning assets | 0.4972% | 4,127 |
| Net interest margin | 3.8594% | 2,372 |
| Noninterest income to average assets | 0.6626% | 1,863 |
| Noninterest expense to average assets | 3.0671% | 1,820 |
| Loan and lease loss provision to assets | 0.0699% | 2,421 |
| Net operating income to assets | 0.8322% | 3,533 |
| Return on assets (ROA) | 0.8322% | 3,595 |
| Pretax return on assets | 1.0634% | 3,343 |
| Return on Equity (ROE) | 7.1095% | 3,637 |
| Retained earnings to average equity (ytd only) | 4.8325% | 2,847 |
| Net charge-offs to loans | -0.0102% | 4,334 |
| Credit loss provision to net charge-offs | -937.5000% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0197% | 1,773 |
| Assets per employee ($millions) | 4.3129% | 3,416 |
| Cash dividends to net income (ytd only)* | 32.0269% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 3,865 |
| Loan loss allowance to noncurrent loans | 1,320.3390% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 4,291 |
| Noncurrent loans to loans | 0.0723% | 4,358 |
| Net loans and leases to total assets | 72.1233% | 2,202 |
| Net loans and leases to deposits | 83.0299% | 2,605 |
| Net loans and leases to core deposits | 84.6471% | 3,062 |
| Total domestic deposits to total assets | 86.8642% | 1,656 |
| Equity capital to assets | 11.3598% | 2,737 |
| Core capital (leverage) ratio | 11.5895% | 2,097 |
| Tier 1 risk-based capital ratio | 15.1389% | 2,773 |
| Total risk-based capital ratio | 16.0720% | 2,832 |
| Memoranda: | ||
| Average total assets | $214,600,670 | 2,740 |
| Average earning assets | $196,713,670 | 2,766 |
| Average equity | $25,121,330 | 2,708 |
| Average total loans | $157,171,330 | 2,580 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 3,727 |
| Cost of funding earning assets | 0.4566% | 4,261 |
| Net interest margin | 3.7882% | 2,573 |
| Noninterest income to average assets | 0.5911% | 2,088 |
| Noninterest expense to average assets | 3.1712% | 1,571 |
| Loan and lease loss provision to assets | 0.0725% | 2,220 |
| Net operating income to assets | 0.6560% | 4,071 |
| Return on assets (ROA) | 0.6560% | 4,108 |
| Pretax return on assets | 0.8123% | 4,011 |
| Return on Equity (ROE) | 5.5165% | 4,184 |
| Retained earnings to average equity (ytd only) | 2.3413% | 3,972 |
| Net charge-offs to loans | -0.0104% | 4,241 |
| Credit loss provision to net charge-offs | -950.0000% | 3,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1852% | 1,247 |
| Assets per employee ($millions) | 3.7690% | 4,238 |
| Cash dividends to net income (ytd only)* | 57.5581% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 3,871 |
| Loan loss allowance to noncurrent loans | 819.4595% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 4,140 |
| Noncurrent loans to loans | 0.1184% | 4,209 |
| Net loans and leases to total assets | 73.3168% | 1,927 |
| Net loans and leases to deposits | 84.8467% | 2,277 |
| Net loans and leases to core deposits | 85.7998% | 2,884 |
| Total domestic deposits to total assets | 86.4108% | 2,106 |
| Equity capital to assets | 11.8527% | 2,113 |
| Core capital (leverage) ratio | 11.8846% | 1,842 |
| Tier 1 risk-based capital ratio | 15.4840% | 2,660 |
| Total risk-based capital ratio | 16.4298% | 2,713 |
| Memoranda: | ||
| Average total assets | $209,764,500 | 2,808 |
| Average earning assets | $191,858,000 | 2,833 |
| Average equity | $24,943,500 | 2,719 |
| Average total loans | $154,101,500 | 2,648 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0963% | 3,753 |
| Cost of funding earning assets | 0.3001% | 4,569 |
| Net interest margin | 3.7962% | 2,670 |
| Noninterest income to average assets | 0.6037% | 2,271 |
| Noninterest expense to average assets | 3.1642% | 1,638 |
| Loan and lease loss provision to assets | 0.0688% | 2,764 |
| Net operating income to assets | 0.6597% | 4,260 |
| Return on assets (ROA) | 0.6597% | 4,268 |
| Pretax return on assets | 0.8252% | 4,105 |
| Return on Equity (ROE) | 5.5112% | 4,320 |
| Retained earnings to average equity (ytd only) | 3.4963% | 3,662 |
| Net charge-offs to loans | 0.1488% | 1,288 |
| Credit loss provision to net charge-offs | 66.6667% | 3,031 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,880 |
| Efficiency ratio | 77.9714% | 1,133 |
| Assets per employee ($millions) | 3.7226% | 4,289 |
| Cash dividends to net income (ytd only)* | 36.5599% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 3,859 |
| Loan loss allowance to noncurrent loans | 780.4233% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 4,144 |
| Noncurrent loans to loans | 0.1244% | 4,172 |
| Net loans and leases to total assets | 72.1784% | 2,228 |
| Net loans and leases to deposits | 82.3551% | 2,685 |
| Net loans and leases to core deposits | 82.7027% | 3,203 |
| Total domestic deposits to total assets | 87.6430% | 1,469 |
| Equity capital to assets | 11.9301% | 1,953 |
| Core capital (leverage) ratio | 11.7300% | 1,928 |
| Tier 1 risk-based capital ratio | 15.4149% | 2,658 |
| Total risk-based capital ratio | 16.3558% | 2,717 |
| Memoranda: | ||
| Average total assets | $203,590,800 | 2,826 |
| Average earning assets | $185,264,400 | 2,869 |
| Average equity | $24,368,400 | 2,692 |
| Average total loans | $141,100,600 | 2,758 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0183% | 3,872 |
| Cost of funding earning assets | 0.2851% | 4,610 |
| Net interest margin | 3.7332% | 2,886 |
| Noninterest income to average assets | 0.5989% | 2,314 |
| Noninterest expense to average assets | 3.1888% | 1,548 |
| Loan and lease loss provision to assets | 0.0593% | 2,794 |
| Net operating income to assets | 0.6107% | 4,473 |
| Return on assets (ROA) | 0.6107% | 4,482 |
| Pretax return on assets | 0.7504% | 4,428 |
| Return on Equity (ROE) | 5.0983% | 4,528 |
| Retained earnings to average equity (ytd only) | 2.8819% | 4,278 |
| Net charge-offs to loans | 0.2062% | 822 |
| Credit loss provision to net charge-offs | 42.0561% | 2,889 |
| Earnings coverage of net charge-offs (x) | 5.7429% | 2,940 |
| Efficiency ratio | 79.7495% | 964 |
| Assets per employee ($millions) | 3.5923% | 4,446 |
| Cash dividends to net income (ytd only)* | 43.4735% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 3,951 |
| Loan loss allowance to noncurrent loans | 710.0000% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 4,234 |
| Noncurrent loans to loans | 0.1363% | 4,272 |
| Net loans and leases to total assets | 70.9437% | 2,506 |
| Net loans and leases to deposits | 81.0472% | 2,923 |
| Net loans and leases to core deposits | 82.0957% | 3,317 |
| Total domestic deposits to total assets | 87.5338% | 1,469 |
| Equity capital to assets | 11.9857% | 1,915 |
| Core capital (leverage) ratio | 11.7499% | 1,965 |
| Tier 1 risk-based capital ratio | 15.6938% | 2,568 |
| Total risk-based capital ratio | 16.6287% | 2,632 |
| Memoranda: | ||
| Average total assets | $202,372,500 | 2,858 |
| Average earning assets | $184,286,750 | 2,900 |
| Average equity | $24,243,000 | 2,716 |
| Average total loans | $138,390,500 | 2,809 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 3,993 |
| Cost of funding earning assets | 0.2727% | 4,614 |
| Net interest margin | 3.6577% | 3,086 |
| Noninterest income to average assets | 0.5616% | 2,513 |
| Noninterest expense to average assets | 3.1551% | 1,649 |
| Loan and lease loss provision to assets | 0.0446% | 3,007 |
| Net operating income to assets | 0.5685% | 4,592 |
| Return on assets (ROA) | 0.5685% | 4,589 |
| Pretax return on assets | 0.6886% | 4,543 |
| Return on Equity (ROE) | 4.7467% | 4,619 |
| Retained earnings to average equity (ytd only) | 2.3858% | 4,320 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1431% | 905 |
| Assets per employee ($millions) | 3.7804% | 4,239 |
| Cash dividends to net income (ytd only)* | 49.7382% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 3,138 |
| Loan loss allowance to noncurrent loans | 152.0574% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.6549% | 2,266 |
| Noncurrent loans to loans | 0.7383% | 2,264 |
| Net loans and leases to total assets | 68.5569% | 2,784 |
| Net loans and leases to deposits | 78.1431% | 3,144 |
| Net loans and leases to core deposits | 78.9280% | 3,503 |
| Total domestic deposits to total assets | 87.7324% | 1,517 |
| Equity capital to assets | 11.9065% | 1,921 |
| Core capital (leverage) ratio | 11.8170% | 1,828 |
| Tier 1 risk-based capital ratio | 15.8196% | 2,502 |
| Total risk-based capital ratio | 16.8846% | 2,523 |
| Memoranda: | ||
| Average total assets | $201,576,330 | 2,886 |
| Average earning assets | $183,339,670 | 2,926 |
| Average equity | $24,143,330 | 2,741 |
| Average total loans | $135,625,670 | 2,847 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8585% | 4,054 |
| Cost of funding earning assets | 0.2720% | 4,565 |
| Net interest margin | 3.5865% | 3,235 |
| Noninterest income to average assets | 0.6470% | 2,043 |
| Noninterest expense to average assets | 3.1813% | 1,606 |
| Loan and lease loss provision to assets | 0.0439% | 2,882 |
| Net operating income to assets | 0.5692% | 4,519 |
| Return on assets (ROA) | 0.5692% | 4,521 |
| Pretax return on assets | 0.6870% | 4,478 |
| Return on Equity (ROE) | 4.7378% | 4,571 |
| Retained earnings to average equity (ytd only) | 1.4629% | 4,506 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3170% | 1,019 |
| Assets per employee ($millions) | 3.7793% | 4,313 |
| Cash dividends to net income (ytd only)* | 69.1228% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 2,931 |
| Loan loss allowance to noncurrent loans | 856.2842% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 3,613 |
| Noncurrent loans to loans | 0.1379% | 4,349 |
| Net loans and leases to total assets | 65.4830% | 3,116 |
| Net loans and leases to deposits | 74.6907% | 3,345 |
| Net loans and leases to core deposits | 75.4529% | 3,714 |
| Total domestic deposits to total assets | 87.6722% | 1,801 |
| Equity capital to assets | 12.0347% | 1,761 |
| Core capital (leverage) ratio | 11.8912% | 1,720 |
| Tier 1 risk-based capital ratio | 16.5091% | 2,271 |
| Total risk-based capital ratio | 17.6146% | 2,274 |
| Memoranda: | ||
| Average total assets | $200,294,500 | 2,929 |
| Average earning assets | $182,349,500 | 2,971 |
| Average equity | $24,062,000 | 2,769 |
| Average total loans | $132,668,000 | 2,906 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 3,562 |
| Cost of funding earning assets | 0.2045% | 4,910 |
| Net interest margin | 3.7477% | 2,612 |
| Noninterest income to average assets | 0.6277% | 2,316 |
| Noninterest expense to average assets | 2.9667% | 2,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7355% | 3,447 |
| Return on assets (ROA) | 0.7355% | 3,490 |
| Pretax return on assets | 1.0699% | 3,304 |
| Return on Equity (ROE) | 6.1715% | 3,690 |
| Retained earnings to average equity (ytd only) | 4.5679% | 2,414 |
| Net charge-offs to loans | -0.0007% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4953% | 1,982 |
| Assets per employee ($millions) | 3.7090% | 4,420 |
| Cash dividends to net income (ytd only)* | 25.9848% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 2,986 |
| Loan loss allowance to noncurrent loans | 897.6744% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 3,679 |
| Noncurrent loans to loans | 0.1297% | 4,410 |
| Net loans and leases to total assets | 65.4368% | 3,167 |
| Net loans and leases to deposits | 74.5965% | 3,463 |
| Net loans and leases to core deposits | 75.3790% | 3,790 |
| Total domestic deposits to total assets | 87.7210% | 1,648 |
| Equity capital to assets | 11.9919% | 1,844 |
| Core capital (leverage) ratio | 11.7803% | 1,742 |
| Tier 1 risk-based capital ratio | 16.5610% | 2,245 |
| Total risk-based capital ratio | 17.6545% | 2,230 |
| Memoranda: | ||
| Average total assets | $196,747,800 | 2,952 |
| Average earning assets | $178,965,400 | 2,974 |
| Average equity | $23,446,400 | 2,812 |
| Average total loans | $134,141,800 | 2,855 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 3,635 |
| Cost of funding earning assets | 0.1907% | 5,049 |
| Net interest margin | 3.7251% | 2,676 |
| Noninterest income to average assets | 0.6678% | 2,133 |
| Noninterest expense to average assets | 2.9428% | 2,272 |
| Loan and lease loss provision to assets | 0.0715% | 2,648 |
| Net operating income to assets | 0.7331% | 3,807 |
| Return on assets (ROA) | 0.7331% | 3,879 |
| Pretax return on assets | 1.0436% | 3,512 |
| Return on Equity (ROE) | 6.1620% | 4,050 |
| Retained earnings to average equity (ytd only) | 4.3884% | 3,287 |
| Net charge-offs to loans | -0.0010% | 4,267 |
| Credit loss provision to net charge-offs | -10,500.0000% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5214% | 2,136 |
| Assets per employee ($millions) | 3.7584% | 4,358 |
| Cash dividends to net income (ytd only)* | 28.7835% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,920 |
| Loan loss allowance to noncurrent loans | 101.9790% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 1,561 |
| Noncurrent loans to loans | 1.1795% | 1,630 |
| Net loans and leases to total assets | 67.9942% | 2,848 |
| Net loans and leases to deposits | 77.5180% | 3,222 |
| Net loans and leases to core deposits | 78.2200% | 3,611 |
| Total domestic deposits to total assets | 87.7140% | 1,512 |
| Equity capital to assets | 11.9049% | 2,028 |
| Core capital (leverage) ratio | 11.6337% | 1,926 |
| Tier 1 risk-based capital ratio | 15.8369% | 2,575 |
| Total risk-based capital ratio | 16.9683% | 2,559 |
| Memoranda: | ||
| Average total assets | $195,863,500 | 2,989 |
| Average earning assets | $178,247,750 | 3,005 |
| Average equity | $23,303,500 | 2,852 |
| Average total loans | $134,526,250 | 2,870 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 3,418 |
| Cost of funding earning assets | 0.1819% | 5,127 |
| Net interest margin | 3.7555% | 2,452 |
| Noninterest income to average assets | 0.6952% | 2,010 |
| Noninterest expense to average assets | 2.9432% | 2,285 |
| Loan and lease loss provision to assets | 0.0924% | 2,142 |
| Net operating income to assets | 0.7548% | 3,616 |
| Return on assets (ROA) | 0.7548% | 3,669 |
| Pretax return on assets | 1.0732% | 3,289 |
| Return on Equity (ROE) | 6.3453% | 3,894 |
| Retained earnings to average equity (ytd only) | 4.2475% | 3,181 |
| Net charge-offs to loans | -0.0015% | 4,158 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6321% | 2,409 |
| Assets per employee ($millions) | 3.7262% | 4,400 |
| Cash dividends to net income (ytd only)* | 33.0612% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,737 |
| Loan loss allowance to noncurrent loans | 108.7159% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.0238% | 1,710 |
| Noncurrent loans to loans | 1.1435% | 1,713 |
| Net loans and leases to total assets | 65.7279% | 3,143 |
| Net loans and leases to deposits | 74.8347% | 3,462 |
| Net loans and leases to core deposits | 75.4064% | 3,825 |
| Total domestic deposits to total assets | 87.8308% | 1,541 |
| Equity capital to assets | 11.8684% | 2,028 |
| Core capital (leverage) ratio | 11.7965% | 1,770 |
| Tier 1 risk-based capital ratio | 16.0977% | 2,459 |
| Total risk-based capital ratio | 17.2511% | 2,446 |
| Memoranda: | ||
| Average total assets | $194,753,000 | 3,009 |
| Average earning assets | $177,021,670 | 3,026 |
| Average equity | $23,166,670 | 2,864 |
| Average total loans | $133,671,670 | 2,889 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8935% | 3,424 |
| Cost of funding earning assets | 0.1771% | 5,178 |
| Net interest margin | 3.7165% | 2,435 |
| Noninterest income to average assets | 0.6578% | 2,147 |
| Noninterest expense to average assets | 2.9702% | 2,241 |
| Loan and lease loss provision to assets | 0.0931% | 1,983 |
| Net operating income to assets | 0.7095% | 3,664 |
| Return on assets (ROA) | 0.7095% | 3,705 |
| Pretax return on assets | 0.9804% | 3,453 |
| Return on Equity (ROE) | 5.9573% | 3,932 |
| Retained earnings to average equity (ytd only) | 2.9005% | 3,968 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4527% | 2,330 |
| Assets per employee ($millions) | 3.7774% | 4,373 |
| Cash dividends to net income (ytd only)* | 51.3120% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 3,271 |
| Loan loss allowance to noncurrent loans | 6,616.6667% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 3,502 |
| Noncurrent loans to loans | 0.0178% | 5,160 |
| Net loans and leases to total assets | 69.1519% | 2,508 |
| Net loans and leases to deposits | 78.8479% | 2,884 |
| Net loans and leases to core deposits | 79.2286% | 3,361 |
| Total domestic deposits to total assets | 87.7029% | 1,886 |
| Equity capital to assets | 11.9981% | 1,850 |
| Core capital (leverage) ratio | 11.7254% | 1,810 |
| Tier 1 risk-based capital ratio | 15.6544% | 2,691 |
| Total risk-based capital ratio | 16.7602% | 2,680 |
| Memoranda: | ||
| Average total assets | $193,384,500 | 3,054 |
| Average earning assets | $176,189,500 | 3,068 |
| Average equity | $23,030,500 | 2,885 |
| Average total loans | $134,787,500 | 2,893 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9135% | 3,526 |
| Cost of funding earning assets | 0.1852% | 5,158 |
| Net interest margin | 3.7283% | 2,581 |
| Noninterest income to average assets | 0.8530% | 1,566 |
| Noninterest expense to average assets | 3.0553% | 2,159 |
| Loan and lease loss provision to assets | 0.0952% | 2,457 |
| Net operating income to assets | 0.7572% | 3,502 |
| Return on assets (ROA) | 0.7572% | 3,617 |
| Pretax return on assets | 1.0784% | 3,188 |
| Return on Equity (ROE) | 6.3877% | 3,793 |
| Retained earnings to average equity (ytd only) | 4.0129% | 3,063 |
| Net charge-offs to loans | 0.0016% | 4,224 |
| Credit loss provision to net charge-offs | 9,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,109.0000% | 61 |
| Efficiency ratio | 72.2472% | 2,557 |
| Assets per employee ($millions) | 3.7331% | 4,424 |
| Cash dividends to net income (ytd only)* | 37.1768% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,460 |
| Loan loss allowance to noncurrent loans | 598.0620% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 3,636 |
| Noncurrent loans to loans | 0.1914% | 4,475 |
| Net loans and leases to total assets | 68.6295% | 2,680 |
| Net loans and leases to deposits | 78.1204% | 3,089 |
| Net loans and leases to core deposits | 78.4937% | 3,535 |
| Total domestic deposits to total assets | 87.8509% | 1,710 |
| Equity capital to assets | 11.8209% | 1,922 |
| Core capital (leverage) ratio | 11.4917% | 1,931 |
| Tier 1 risk-based capital ratio | 15.4377% | 2,770 |
| Total risk-based capital ratio | 16.5116% | 2,790 |
| Memoranda: | ||
| Average total assets | $188,984,000 | 3,069 |
| Average earning assets | $171,124,200 | 3,100 |
| Average equity | $22,402,600 | 2,953 |
| Average total loans | $125,674,800 | 2,987 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 3,653 |
| Cost of funding earning assets | 0.1869% | 5,207 |
| Net interest margin | 3.6938% | 2,739 |
| Noninterest income to average assets | 0.8105% | 1,715 |
| Noninterest expense to average assets | 3.0857% | 2,067 |
| Loan and lease loss provision to assets | 0.0959% | 2,305 |
| Net operating income to assets | 0.6990% | 3,850 |
| Return on assets (ROA) | 0.6990% | 3,982 |
| Pretax return on assets | 0.9710% | 3,736 |
| Return on Equity (ROE) | 5.8921% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.5209% | 3,787 |
| Net charge-offs to loans | 0.0022% | 3,861 |
| Credit loss provision to net charge-offs | 6,750.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 750.0449% | 121 |
| Efficiency ratio | 74.3072% | 2,221 |
| Assets per employee ($millions) | 3.6903% | 4,494 |
| Cash dividends to net income (ytd only)* | 40.2441% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 3,568 |
| Loan loss allowance to noncurrent loans | 640.1709% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.4153% | 3,764 |
| Noncurrent loans to loans | 0.1789% | 4,637 |
| Net loans and leases to total assets | 67.3662% | 2,894 |
| Net loans and leases to deposits | 76.7203% | 3,318 |
| Net loans and leases to core deposits | 77.0909% | 3,742 |
| Total domestic deposits to total assets | 87.8075% | 1,501 |
| Equity capital to assets | 11.7960% | 2,260 |
| Core capital (leverage) ratio | 11.4025% | 2,111 |
| Tier 1 risk-based capital ratio | 15.4878% | 2,837 |
| Total risk-based capital ratio | 16.5486% | 2,848 |
| Memoranda: | ||
| Average total assets | $187,699,500 | 3,096 |
| Average earning assets | $169,831,000 | 3,124 |
| Average equity | $22,266,500 | 2,991 |
| Average total loans | $123,401,500 | 3,024 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 3,856 |
| Cost of funding earning assets | 0.1889% | 5,246 |
| Net interest margin | 3.6391% | 2,936 |
| Noninterest income to average assets | 0.7558% | 1,902 |
| Noninterest expense to average assets | 3.1154% | 2,013 |
| Loan and lease loss provision to assets | 0.0966% | 2,222 |
| Net operating income to assets | 0.6162% | 4,203 |
| Return on assets (ROA) | 0.6162% | 4,327 |
| Pretax return on assets | 0.8320% | 4,184 |
| Return on Equity (ROE) | 5.1844% | 4,432 |
| Retained earnings to average equity (ytd only) | 2.2129% | 4,468 |
| Net charge-offs to loans | 0.0050% | 3,527 |
| Credit loss provision to net charge-offs | 3,000.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 288.3333% | 239 |
| Efficiency ratio | 77.0374% | 1,924 |
| Assets per employee ($millions) | 3.7493% | 4,362 |
| Cash dividends to net income (ytd only)* | 57.3171% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 3,599 |
| Loan loss allowance to noncurrent loans | 620.5128% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.4168% | 3,836 |
| Noncurrent loans to loans | 0.1864% | 4,685 |
| Net loans and leases to total assets | 64.8865% | 3,240 |
| Net loans and leases to deposits | 73.7887% | 3,615 |
| Net loans and leases to core deposits | 74.2897% | 3,960 |
| Total domestic deposits to total assets | 87.9355% | 1,467 |
| Equity capital to assets | 11.6587% | 2,396 |
| Core capital (leverage) ratio | 11.5716% | 1,931 |
| Tier 1 risk-based capital ratio | 15.6759% | 2,794 |
| Total risk-based capital ratio | 16.7332% | 2,801 |
| Memoranda: | ||
| Average total assets | $186,300,670 | 3,121 |
| Average earning assets | $168,339,670 | 3,165 |
| Average equity | $22,143,330 | 3,007 |
| Average total loans | $120,945,000 | 3,063 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7982% | 3,949 |
| Cost of funding earning assets | 0.1955% | 5,245 |
| Net interest margin | 3.6028% | 3,072 |
| Noninterest income to average assets | 0.6418% | 2,308 |
| Noninterest expense to average assets | 3.1309% | 2,015 |
| Loan and lease loss provision to assets | 0.0979% | 2,060 |
| Net operating income to assets | 0.5222% | 4,538 |
| Return on assets (ROA) | 0.5222% | 4,644 |
| Pretax return on assets | 0.6614% | 4,646 |
| Return on Equity (ROE) | 4.3501% | 4,758 |
| Retained earnings to average equity (ytd only) | 0.7613% | 4,915 |
| Net charge-offs to loans | 0.0067% | 2,889 |
| Credit loss provision to net charge-offs | 2,250.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 174.5000% | 347 |
| Efficiency ratio | 80.4810% | 1,550 |
| Assets per employee ($millions) | 3.3963% | 4,981 |
| Cash dividends to net income (ytd only)* | 82.5000% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 3,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 4,343 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 65.3879% | 3,048 |
| Net loans and leases to deposits | 74.5951% | 3,359 |
| Net loans and leases to core deposits | 75.1245% | 3,775 |
| Total domestic deposits to total assets | 87.6571% | 1,824 |
| Equity capital to assets | 12.0441% | 2,004 |
| Core capital (leverage) ratio | 11.6688% | 1,851 |
| Tier 1 risk-based capital ratio | 15.9398% | 2,711 |
| Total risk-based capital ratio | 16.9923% | 2,743 |
| Memoranda: | ||
| Average total assets | $183,844,000 | 3,163 |
| Average earning assets | $165,762,000 | 3,204 |
| Average equity | $22,068,500 | 3,017 |
| Average total loans | $118,655,500 | 3,103 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7485% | 4,198 |
| Cost of funding earning assets | 0.2049% | 5,244 |
| Net interest margin | 3.5436% | 3,356 |
| Noninterest income to average assets | 0.8234% | 1,696 |
| Noninterest expense to average assets | 2.9734% | 2,632 |
| Loan and lease loss provision to assets | 0.1404% | 1,690 |
| Net operating income to assets | 0.6633% | 3,983 |
| Return on assets (ROA) | 0.6633% | 4,073 |
| Pretax return on assets | 0.9082% | 3,806 |
| Return on Equity (ROE) | 5.5838% | 4,239 |
| Retained earnings to average equity (ytd only) | 3.8461% | 3,300 |
| Net charge-offs to loans | 0.0036% | 4,332 |
| Credit loss provision to net charge-offs | 6,375.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 476.2500% | 139 |
| Efficiency ratio | 73.9291% | 2,592 |
| Assets per employee ($millions) | 3.4771% | 4,865 |
| Cash dividends to net income (ytd only)* | 31.1203% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 3,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 4,301 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 62.1943% | 3,534 |
| Net loans and leases to deposits | 71.1733% | 3,802 |
| Net loans and leases to core deposits | 71.9019% | 4,142 |
| Total domestic deposits to total assets | 87.3844% | 1,937 |
| Equity capital to assets | 11.9639% | 1,981 |
| Core capital (leverage) ratio | 11.4597% | 1,989 |
| Tier 1 risk-based capital ratio | 16.1821% | 2,609 |
| Total risk-based capital ratio | 17.2262% | 2,637 |
| Memoranda: | ||
| Average total assets | $181,677,200 | 3,143 |
| Average earning assets | $163,987,200 | 3,202 |
| Average equity | $21,580,400 | 3,016 |
| Average total loans | $110,857,400 | 3,183 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7121% | 4,383 |
| Cost of funding earning assets | 0.2071% | 5,314 |
| Net interest margin | 3.5050% | 3,512 |
| Noninterest income to average assets | 0.8330% | 1,679 |
| Noninterest expense to average assets | 2.9940% | 2,548 |
| Loan and lease loss provision to assets | 0.1547% | 1,402 |
| Net operating income to assets | 0.6290% | 4,244 |
| Return on assets (ROA) | 0.6290% | 4,352 |
| Pretax return on assets | 0.8500% | 4,174 |
| Return on Equity (ROE) | 5.3050% | 4,486 |
| Retained earnings to average equity (ytd only) | 3.3917% | 4,055 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8757% | 2,425 |
| Assets per employee ($millions) | 3.6865% | 4,471 |
| Cash dividends to net income (ytd only)* | 36.0658% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 3,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 4,482 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 61.1883% | 3,707 |
| Net loans and leases to deposits | 69.7023% | 4,020 |
| Net loans and leases to core deposits | 70.4120% | 4,333 |
| Total domestic deposits to total assets | 87.7852% | 1,663 |
| Equity capital to assets | 11.8073% | 2,257 |
| Core capital (leverage) ratio | 11.2699% | 2,226 |
| Tier 1 risk-based capital ratio | 16.1562% | 2,731 |
| Total risk-based capital ratio | 17.1810% | 2,772 |
| Memoranda: | ||
| Average total assets | $181,024,750 | 3,178 |
| Average earning assets | $163,496,750 | 3,234 |
| Average equity | $21,463,500 | 3,050 |
| Average total loans | $109,576,500 | 3,239 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6866% | 4,444 |
| Cost of funding earning assets | 0.2111% | 5,339 |
| Net interest margin | 3.4755% | 3,602 |
| Noninterest income to average assets | 0.8993% | 1,446 |
| Noninterest expense to average assets | 3.0402% | 2,426 |
| Loan and lease loss provision to assets | 0.1334% | 1,641 |
| Net operating income to assets | 0.6358% | 4,192 |
| Return on assets (ROA) | 0.6358% | 4,302 |
| Pretax return on assets | 0.8548% | 4,109 |
| Return on Equity (ROE) | 5.3550% | 4,451 |
| Retained earnings to average equity (ytd only) | 3.0894% | 4,078 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4691% | 2,456 |
| Assets per employee ($millions) | 3.7619% | 4,308 |
| Cash dividends to net income (ytd only)* | 42.3077% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 4,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 4,495 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 59.2276% | 3,942 |
| Net loans and leases to deposits | 67.3535% | 4,197 |
| Net loans and leases to core deposits | 68.0377% | 4,491 |
| Total domestic deposits to total assets | 87.9354% | 1,681 |
| Equity capital to assets | 11.6897% | 2,259 |
| Core capital (leverage) ratio | 11.4369% | 2,045 |
| Tier 1 risk-based capital ratio | 16.3825% | 2,669 |
| Total risk-based capital ratio | 17.3612% | 2,754 |
| Memoranda: | ||
| Average total assets | $179,924,330 | 3,216 |
| Average earning assets | $161,990,000 | 3,276 |
| Average equity | $21,363,330 | 3,072 |
| Average total loans | $108,065,330 | 3,287 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 4,424 |
| Cost of funding earning assets | 0.2179% | 5,338 |
| Net interest margin | 3.4662% | 3,561 |
| Noninterest income to average assets | 0.8958% | 1,398 |
| Noninterest expense to average assets | 3.0993% | 2,271 |
| Loan and lease loss provision to assets | 0.1013% | 2,007 |
| Net operating income to assets | 0.6235% | 4,180 |
| Return on assets (ROA) | 0.6235% | 4,279 |
| Pretax return on assets | 0.8103% | 4,195 |
| Return on Equity (ROE) | 5.2090% | 4,429 |
| Retained earnings to average equity (ytd only) | 1.9181% | 4,706 |
| Net charge-offs to loans | 0.0037% | 3,189 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 405.0000% | 134 |
| Efficiency ratio | 77.2727% | 2,301 |
| Assets per employee ($millions) | 3.5178% | 4,866 |
| Cash dividends to net income (ytd only)* | 63.1769% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 4,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4833% | 4,094 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 60.4338% | 3,590 |
| Net loans and leases to deposits | 69.0142% | 3,855 |
| Net loans and leases to core deposits | 69.7519% | 4,182 |
| Total domestic deposits to total assets | 87.5672% | 2,064 |
| Equity capital to assets | 12.1212% | 1,943 |
| Core capital (leverage) ratio | 11.4171% | 2,065 |
| Tier 1 risk-based capital ratio | 16.3819% | 2,739 |
| Total risk-based capital ratio | 17.3191% | 2,822 |
| Memoranda: | ||
| Average total assets | $177,720,000 | 3,268 |
| Average earning assets | $159,715,500 | 3,326 |
| Average equity | $21,271,000 | 3,104 |
| Average total loans | $106,893,000 | 3,320 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7602% | 4,622 |
| Cost of funding earning assets | 0.2463% | 5,364 |
| Net interest margin | 3.5138% | 3,740 |
| Noninterest income to average assets | 0.7464% | 2,089 |
| Noninterest expense to average assets | 3.0552% | 2,666 |
| Loan and lease loss provision to assets | 0.0851% | 2,772 |
| Net operating income to assets | 0.5603% | 4,557 |
| Return on assets (ROA) | 0.5603% | 4,650 |
| Pretax return on assets | 0.7452% | 4,463 |
| Return on Equity (ROE) | 4.7343% | 4,790 |
| Retained earnings to average equity (ytd only) | 2.7169% | 4,310 |
| Net charge-offs to loans | 0.6937% | 537 |
| Credit loss provision to net charge-offs | 21.1566% | 3,965 |
| Earnings coverage of net charge-offs (x) | 2.0649% | 4,259 |
| Efficiency ratio | 78.6309% | 2,117 |
| Assets per employee ($millions) | 3.6643% | 4,596 |
| Cash dividends to net income (ytd only)* | 42.6113% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 4,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 4,225 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 58.6004% | 3,981 |
| Net loans and leases to deposits | 66.8758% | 4,228 |
| Net loans and leases to core deposits | 67.5542% | 4,550 |
| Total domestic deposits to total assets | 87.6257% | 1,967 |
| Equity capital to assets | 11.8195% | 2,156 |
| Core capital (leverage) ratio | 11.7069% | 1,824 |
| Tier 1 risk-based capital ratio | 17.4166% | 2,346 |
| Total risk-based capital ratio | 18.3311% | 2,434 |
| Memoranda: | ||
| Average total assets | $176,322,400 | 3,254 |
| Average earning assets | $157,519,600 | 3,322 |
| Average equity | $20,869,000 | 3,066 |
| Average total loans | $102,200,200 | 3,377 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6044% | 5,129 |
| Cost of funding earning assets | 0.2502% | 5,408 |
| Net interest margin | 3.3542% | 4,415 |
| Noninterest income to average assets | 0.7445% | 2,119 |
| Noninterest expense to average assets | 3.0097% | 2,776 |
| Loan and lease loss provision to assets | 0.0798% | 2,751 |
| Net operating income to assets | 0.4991% | 4,878 |
| Return on assets (ROA) | 0.4991% | 4,944 |
| Pretax return on assets | 0.6487% | 4,878 |
| Return on Equity (ROE) | 4.2153% | 5,076 |
| Retained earnings to average equity (ytd only) | 2.2328% | 4,942 |
| Net charge-offs to loans | 0.8975% | 362 |
| Credit loss provision to net charge-offs | 15.4185% | 3,628 |
| Earnings coverage of net charge-offs (x) | 1.4082% | 4,163 |
| Efficiency ratio | 80.5121% | 1,839 |
| Assets per employee ($millions) | 3.6870% | 4,510 |
| Cash dividends to net income (ytd only)* | 47.0319% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 5,142 |
| Loan loss allowance to noncurrent loans | 109.0457% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.0295% | 2,903 |
| Noncurrent loans to loans | 0.9314% | 3,235 |
| Net loans and leases to total assets | 59.1774% | 3,910 |
| Net loans and leases to deposits | 67.3404% | 4,201 |
| Net loans and leases to core deposits | 68.0169% | 4,508 |
| Total domestic deposits to total assets | 87.8779% | 1,826 |
| Equity capital to assets | 11.6283% | 2,376 |
| Core capital (leverage) ratio | 11.8935% | 1,765 |
| Tier 1 risk-based capital ratio | 17.3517% | 2,451 |
| Total risk-based capital ratio | 18.2581% | 2,571 |
| Memoranda: | ||
| Average total assets | $175,515,500 | 3,286 |
| Average earning assets | $156,657,000 | 3,351 |
| Average equity | $20,780,750 | 3,083 |
| Average total loans | $101,167,500 | 3,425 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5531% | 5,281 |
| Cost of funding earning assets | 0.2555% | 5,427 |
| Net interest margin | 3.2976% | 4,599 |
| Noninterest income to average assets | 0.7020% | 2,268 |
| Noninterest expense to average assets | 3.0322% | 2,721 |
| Loan and lease loss provision to assets | 0.0690% | 2,887 |
| Net operating income to assets | 0.4350% | 5,078 |
| Return on assets (ROA) | 0.4350% | 5,160 |
| Pretax return on assets | 0.5409% | 5,156 |
| Return on Equity (ROE) | 3.6513% | 5,284 |
| Retained earnings to average equity (ytd only) | 1.3040% | 5,220 |
| Net charge-offs to loans | 1.4117% | 203 |
| Credit loss provision to net charge-offs | 8.5960% | 3,317 |
| Earnings coverage of net charge-offs (x) | 0.7593% | 3,978 |
| Efficiency ratio | 83.2543% | 1,597 |
| Assets per employee ($millions) | 3.4889% | 4,874 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 5,156 |
| Loan loss allowance to noncurrent loans | 94.4343% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.1178% | 2,845 |
| Noncurrent loans to loans | 1.1004% | 3,026 |
| Net loans and leases to total assets | 56.5023% | 4,200 |
| Net loans and leases to deposits | 64.4783% | 4,443 |
| Net loans and leases to core deposits | 65.1530% | 4,718 |
| Total domestic deposits to total assets | 87.6300% | 2,127 |
| Equity capital to assets | 11.9240% | 2,046 |
| Core capital (leverage) ratio | 11.8692% | 1,736 |
| Tier 1 risk-based capital ratio | 18.4121% | 2,097 |
| Total risk-based capital ratio | 19.3289% | 2,182 |
| Memoranda: | ||
| Average total assets | $173,800,000 | 3,324 |
| Average earning assets | $154,961,330 | 3,396 |
| Average equity | $20,705,000 | 3,096 |
| Average total loans | $98,887,330 | 3,478 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5064% | 5,401 |
| Cost of funding earning assets | 0.2614% | 5,473 |
| Net interest margin | 3.2451% | 4,756 |
| Noninterest income to average assets | 0.6249% | 2,599 |
| Noninterest expense to average assets | 3.0921% | 2,558 |
| Loan and lease loss provision to assets | 0.0692% | 2,751 |
| Net operating income to assets | 0.3228% | 5,417 |
| Return on assets (ROA) | 0.3228% | 5,469 |
| Pretax return on assets | 0.3551% | 5,581 |
| Return on Equity (ROE) | 2.7109% | 5,557 |
| Retained earnings to average equity (ytd only) | -0.6971% | 5,677 |
| Net charge-offs to loans | -0.0162% | 5,248 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9344% | 1,232 |
| Assets per employee ($millions) | 3.6424% | 4,639 |
| Cash dividends to net income (ytd only)* | 125.7143% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 2,303 |
| Loan loss allowance to noncurrent loans | 51.3847% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 2.5858% | 1,210 |
| Noncurrent loans to loans | 3.3389% | 909 |
| Net loans and leases to total assets | 55.9304% | 4,148 |
| Net loans and leases to deposits | 63.6485% | 4,359 |
| Net loans and leases to core deposits | 64.3107% | 4,665 |
| Total domestic deposits to total assets | 87.8738% | 2,301 |
| Equity capital to assets | 11.8036% | 2,008 |
| Core capital (leverage) ratio | 11.8250% | 1,750 |
| Tier 1 risk-based capital ratio | 17.9171% | 2,334 |
| Total risk-based capital ratio | 19.1704% | 2,310 |
| Memoranda: | ||
| Average total assets | $173,477,000 | 3,358 |
| Average earning assets | $154,572,500 | 3,425 |
| Average equity | $20,657,000 | 3,101 |
| Average total loans | $98,530,500 | 3,501 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6024% | 5,396 |
| Cost of funding earning assets | 0.3454% | 5,193 |
| Net interest margin | 3.2570% | 4,816 |
| Noninterest income to average assets | 0.7389% | 2,336 |
| Noninterest expense to average assets | 3.0411% | 2,929 |
| Loan and lease loss provision to assets | 0.3445% | 926 |
| Net operating income to assets | 0.2704% | 5,616 |
| Return on assets (ROA) | 0.2704% | 5,700 |
| Pretax return on assets | 0.2555% | 5,838 |
| Return on Equity (ROE) | 2.2838% | 5,741 |
| Retained earnings to average equity (ytd only) | 0.4509% | 5,643 |
| Net charge-offs to loans | 0.0512% | 4,500 |
| Credit loss provision to net charge-offs | 1,200.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 20.9000% | 1,518 |
| Efficiency ratio | 83.5225% | 1,683 |
| Assets per employee ($millions) | 3.5126% | 4,875 |
| Cash dividends to net income (ytd only)* | 80.2548% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7147% | 2,357 |
| Loan loss allowance to noncurrent loans | 46.8103% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 2.7731% | 1,187 |
| Noncurrent loans to loans | 3.6631% | 827 |
| Net loans and leases to total assets | 55.7144% | 4,356 |
| Net loans and leases to deposits | 63.5409% | 4,554 |
| Net loans and leases to core deposits | 64.2136% | 4,848 |
| Total domestic deposits to total assets | 87.6828% | 2,371 |
| Equity capital to assets | 12.0133% | 1,797 |
| Core capital (leverage) ratio | 11.9519% | 1,641 |
| Tier 1 risk-based capital ratio | 18.1902% | 2,187 |
| Total risk-based capital ratio | 19.4428% | 2,147 |
| Memoranda: | ||
| Average total assets | $174,178,400 | 3,345 |
| Average earning assets | $155,203,200 | 3,416 |
| Average equity | $20,623,200 | 3,089 |
| Average total loans | $97,619,400 | 3,516 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 5,631 |
| Cost of funding earning assets | 0.3604% | 5,190 |
| Net interest margin | 3.1633% | 5,107 |
| Noninterest income to average assets | 0.7029% | 2,589 |
| Noninterest expense to average assets | 3.0483% | 2,823 |
| Loan and lease loss provision to assets | 0.2832% | 1,222 |
| Net operating income to assets | 0.2351% | 5,824 |
| Return on assets (ROA) | 0.2351% | 5,908 |
| Pretax return on assets | 0.1916% | 6,054 |
| Return on Equity (ROE) | 1.9926% | 5,942 |
| Retained earnings to average equity (ytd only) | -0.0194% | 5,943 |
| Net charge-offs to loans | -0.0014% | 5,668 |
| Credit loss provision to net charge-offs | -37,100.0000% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5251% | 1,317 |
| Assets per employee ($millions) | 3.4808% | 4,883 |
| Cash dividends to net income (ytd only)* | 100.9740% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5184% | 3,378 |
| Loan loss allowance to noncurrent loans | 30.5663% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 3.5418% | 953 |
| Noncurrent loans to loans | 4.9675% | 605 |
| Net loans and leases to total assets | 55.7143% | 4,359 |
| Net loans and leases to deposits | 63.4884% | 4,571 |
| Net loans and leases to core deposits | 64.2588% | 4,875 |
| Total domestic deposits to total assets | 87.7550% | 2,270 |
| Equity capital to assets | 11.8296% | 2,026 |
| Core capital (leverage) ratio | 11.9945% | 1,674 |
| Tier 1 risk-based capital ratio | 17.8147% | 2,396 |
| Total risk-based capital ratio | 19.0654% | 2,361 |
| Memoranda: | ||
| Average total assets | $174,693,750 | 3,367 |
| Average earning assets | $155,739,250 | 3,445 |
| Average equity | $20,609,750 | 3,124 |
| Average total loans | $97,632,500 | 3,534 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5588% | 5,564 |
| Cost of funding earning assets | 0.3764% | 5,174 |
| Net interest margin | 3.1823% | 5,003 |
| Noninterest income to average assets | 0.8107% | 2,144 |
| Noninterest expense to average assets | 3.0644% | 2,779 |
| Loan and lease loss provision to assets | 0.3899% | 813 |
| Net operating income to assets | 0.2390% | 5,801 |
| Return on assets (ROA) | 0.2390% | 5,924 |
| Pretax return on assets | 0.1887% | 6,099 |
| Return on Equity (ROE) | 2.0275% | 5,949 |
| Retained earnings to average equity (ytd only) | -0.3492% | 5,924 |
| Net charge-offs to loans | -0.0021% | 5,533 |
| Credit loss provision to net charge-offs | -34,100.0000% | 6,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1180% | 1,619 |
| Assets per employee ($millions) | 3.3798% | 5,120 |
| Cash dividends to net income (ytd only)* | 117.2249% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 3,620 |
| Loan loss allowance to noncurrent loans | 29.8980% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 3.8928% | 913 |
| Noncurrent loans to loans | 4.9919% | 648 |
| Net loans and leases to total assets | 56.0973% | 4,270 |
| Net loans and leases to deposits | 63.9746% | 4,508 |
| Net loans and leases to core deposits | 64.8672% | 4,805 |
| Total domestic deposits to total assets | 87.6870% | 2,448 |
| Equity capital to assets | 11.9267% | 1,961 |
| Core capital (leverage) ratio | 11.8808% | 1,681 |
| Tier 1 risk-based capital ratio | 17.9083% | 2,347 |
| Total risk-based capital ratio | 19.1579% | 2,316 |
| Memoranda: | ||
| Average total assets | $174,912,330 | 3,374 |
| Average earning assets | $155,672,000 | 3,466 |
| Average equity | $20,617,000 | 3,138 |
| Average total loans | $97,357,000 | 3,558 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6614% | 5,282 |
| Cost of funding earning assets | 0.3943% | 5,162 |
| Net interest margin | 3.2671% | 4,641 |
| Noninterest income to average assets | 0.9808% | 1,519 |
| Noninterest expense to average assets | 3.0604% | 2,805 |
| Loan and lease loss provision to assets | 0.0681% | 3,496 |
| Net operating income to assets | 0.5948% | 4,244 |
| Return on assets (ROA) | 0.5948% | 4,392 |
| Pretax return on assets | 0.7492% | 4,374 |
| Return on Equity (ROE) | 5.0759% | 4,529 |
| Retained earnings to average equity (ytd only) | 1.6274% | 5,171 |
| Net charge-offs to loans | -0.0083% | 5,381 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9227% | 2,474 |
| Assets per employee ($millions) | 3.4987% | 4,983 |
| Cash dividends to net income (ytd only)* | 67.9389% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 5,288 |
| Loan loss allowance to noncurrent loans | 21.6901% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 4.1969% | 913 |
| Noncurrent loans to loans | 5.4198% | 671 |
| Net loans and leases to total assets | 55.5034% | 4,168 |
| Net loans and leases to deposits | 63.2033% | 4,393 |
| Net loans and leases to core deposits | 63.9640% | 4,742 |
| Total domestic deposits to total assets | 87.8173% | 2,444 |
| Equity capital to assets | 11.8248% | 2,156 |
| Core capital (leverage) ratio | 11.7923% | 1,682 |
| Tier 1 risk-based capital ratio | 17.9884% | 2,367 |
| Total risk-based capital ratio | 18.9949% | 2,431 |
| Memoranda: | ||
| Average total assets | $176,183,500 | 3,398 |
| Average earning assets | $156,226,500 | 3,497 |
| Average equity | $20,646,500 | 3,186 |
| Average total loans | $96,955,500 | 3,591 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7311% | 5,990 |
| Cost of funding earning assets | 0.5570% | 4,749 |
| Net interest margin | 3.1740% | 5,634 |
| Noninterest income to average assets | 1.0778% | 1,341 |
| Noninterest expense to average assets | 3.0856% | 2,971 |
| Loan and lease loss provision to assets | 0.0618% | 4,995 |
| Net operating income to assets | 0.5698% | 4,378 |
| Return on assets (ROA) | 0.5698% | 4,639 |
| Pretax return on assets | 0.7311% | 4,554 |
| Return on Equity (ROE) | 4.7779% | 4,798 |
| Retained earnings to average equity (ytd only) | 3.4600% | 3,791 |
| Net charge-offs to loans | -0.0109% | 6,471 |
| Credit loss provision to net charge-offs | -1,050.0000% | 6,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5568% | 2,202 |
| Assets per employee ($millions) | 3.6210% | 4,731 |
| Cash dividends to net income (ytd only)* | 27.5826% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 5,243 |
| Loan loss allowance to noncurrent loans | 58.7343% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 2.2138% | 2,212 |
| Noncurrent loans to loans | 1.9987% | 2,697 |
| Net loans and leases to total assets | 53.2813% | 4,717 |
| Net loans and leases to deposits | 60.5529% | 4,965 |
| Net loans and leases to core deposits | 61.3693% | 5,225 |
| Total domestic deposits to total assets | 87.9913% | 2,241 |
| Equity capital to assets | 11.6142% | 2,332 |
| Core capital (leverage) ratio | 11.9198% | 1,608 |
| Tier 1 risk-based capital ratio | 18.4312% | 2,124 |
| Total risk-based capital ratio | 19.4380% | 2,157 |
| Memoranda: | ||
| Average total assets | $169,886,600 | 3,455 |
| Average earning assets | $149,903,400 | 3,552 |
| Average equity | $20,260,000 | 3,171 |
| Average total loans | $92,058,200 | 3,694 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 6,117 |
| Cost of funding earning assets | 0.5892% | 4,750 |
| Net interest margin | 3.1670% | 5,778 |
| Noninterest income to average assets | 1.0531% | 1,365 |
| Noninterest expense to average assets | 3.0737% | 2,964 |
| Loan and lease loss provision to assets | 0.0833% | 4,575 |
| Net operating income to assets | 0.5532% | 4,610 |
| Return on assets (ROA) | 0.5532% | 4,864 |
| Pretax return on assets | 0.6944% | 4,883 |
| Return on Equity (ROE) | 4.6066% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.2848% | 4,561 |
| Net charge-offs to loans | -0.0249% | 6,541 |
| Credit loss provision to net charge-offs | -617.6471% | 6,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8063% | 2,122 |
| Assets per employee ($millions) | 3.5560% | 4,835 |
| Cash dividends to net income (ytd only)* | 28.6944% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 5,272 |
| Loan loss allowance to noncurrent loans | 60.4925% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.3804% | 2,236 |
| Noncurrent loans to loans | 1.9865% | 2,858 |
| Net loans and leases to total assets | 54.4288% | 4,683 |
| Net loans and leases to deposits | 62.1868% | 4,952 |
| Net loans and leases to core deposits | 62.9559% | 5,267 |
| Total domestic deposits to total assets | 87.5247% | 2,333 |
| Equity capital to assets | 11.9568% | 2,297 |
| Core capital (leverage) ratio | 11.9061% | 1,716 |
| Tier 1 risk-based capital ratio | 18.7444% | 2,092 |
| Total risk-based capital ratio | 19.7851% | 2,120 |
| Memoranda: | ||
| Average total assets | $168,000,750 | 3,525 |
| Average earning assets | $148,445,000 | 3,620 |
| Average equity | $20,173,250 | 3,212 |
| Average total loans | $91,157,750 | 3,756 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 6,183 |
| Cost of funding earning assets | 0.6115% | 4,795 |
| Net interest margin | 3.1717% | 5,817 |
| Noninterest income to average assets | 0.9383% | 1,652 |
| Noninterest expense to average assets | 2.7982% | 4,025 |
| Loan and lease loss provision to assets | 0.1257% | 3,952 |
| Net operating income to assets | 0.6212% | 4,274 |
| Return on assets (ROA) | 0.6212% | 4,524 |
| Pretax return on assets | 0.8079% | 4,451 |
| Return on Equity (ROE) | 5.1655% | 4,727 |
| Retained earnings to average equity (ytd only) | 3.8418% | 4,056 |
| Net charge-offs to loans | -0.0333% | 6,559 |
| Credit loss provision to net charge-offs | -700.0000% | 6,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9840% | 2,897 |
| Assets per employee ($millions) | 4.0061% | 3,854 |
| Cash dividends to net income (ytd only)* | 25.6262% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 5,307 |
| Loan loss allowance to noncurrent loans | 62.6319% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 2.5670% | 2,174 |
| Noncurrent loans to loans | 1.9328% | 3,022 |
| Net loans and leases to total assets | 53.4372% | 4,887 |
| Net loans and leases to deposits | 60.9938% | 5,134 |
| Net loans and leases to core deposits | 61.9348% | 5,394 |
| Total domestic deposits to total assets | 87.6109% | 2,393 |
| Equity capital to assets | 11.7837% | 2,332 |
| Core capital (leverage) ratio | 12.2811% | 1,453 |
| Tier 1 risk-based capital ratio | 18.7849% | 2,033 |
| Total risk-based capital ratio | 19.8317% | 2,069 |
| Memoranda: | ||
| Average total assets | $167,104,670 | 3,547 |
| Average earning assets | $147,177,330 | 3,652 |
| Average equity | $20,094,670 | 3,207 |
| Average total loans | $90,199,000 | 3,797 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9118% | 5,993 |
| Cost of funding earning assets | 0.6418% | 4,805 |
| Net interest margin | 3.2700% | 5,572 |
| Noninterest income to average assets | 0.8996% | 1,750 |
| Noninterest expense to average assets | 2.9491% | 3,448 |
| Loan and lease loss provision to assets | 0.1823% | 3,148 |
| Net operating income to assets | 0.5130% | 4,768 |
| Return on assets (ROA) | 0.5130% | 4,977 |
| Pretax return on assets | 0.6297% | 5,016 |
| Return on Equity (ROE) | 4.2216% | 5,184 |
| Retained earnings to average equity (ytd only) | 2.8811% | 4,810 |
| Net charge-offs to loans | -0.0631% | 6,627 |
| Credit loss provision to net charge-offs | -535.7143% | 5,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4098% | 2,438 |
| Assets per employee ($millions) | 3.7869% | 4,460 |
| Cash dividends to net income (ytd only)* | 31.7536% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 5,370 |
| Loan loss allowance to noncurrent loans | 52.9952% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 2.8802% | 2,021 |
| Noncurrent loans to loans | 2.3154% | 2,795 |
| Net loans and leases to total assets | 54.2285% | 4,682 |
| Net loans and leases to deposits | 62.2466% | 4,878 |
| Net loans and leases to core deposits | 63.2665% | 5,198 |
| Total domestic deposits to total assets | 87.1189% | 2,891 |
| Equity capital to assets | 12.3204% | 1,835 |
| Core capital (leverage) ratio | 12.3714% | 1,401 |
| Tier 1 risk-based capital ratio | 18.9470% | 2,002 |
| Total risk-based capital ratio | 19.9862% | 2,039 |
| Memoranda: | ||
| Average total assets | $164,525,000 | 3,607 |
| Average earning assets | $143,974,000 | 3,744 |
| Average equity | $19,992,500 | 3,228 |
| Average total loans | $88,708,000 | 3,863 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 6,300 |
| Cost of funding earning assets | 0.8272% | 4,650 |
| Net interest margin | 3.2621% | 5,926 |
| Noninterest income to average assets | 0.9006% | 1,670 |
| Noninterest expense to average assets | 3.0648% | 3,338 |
| Loan and lease loss provision to assets | 0.1497% | 4,747 |
| Net operating income to assets | 0.4940% | 4,452 |
| Return on assets (ROA) | 0.4940% | 4,663 |
| Pretax return on assets | 0.5513% | 4,828 |
| Return on Equity (ROE) | 4.0341% | 4,828 |
| Retained earnings to average equity (ytd only) | 2.6792% | 4,324 |
| Net charge-offs to loans | 0.2100% | 4,477 |
| Credit loss provision to net charge-offs | 132.5967% | 2,297 |
| Earnings coverage of net charge-offs (x) | 6.2099% | 2,560 |
| Efficiency ratio | 81.3846% | 2,102 |
| Assets per employee ($millions) | 3.8655% | 4,169 |
| Cash dividends to net income (ytd only)* | 33.5859% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 5,646 |
| Loan loss allowance to noncurrent loans | 48.3453% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 2.8307% | 2,136 |
| Noncurrent loans to loans | 2.3689% | 2,766 |
| Net loans and leases to total assets | 52.3467% | 5,258 |
| Net loans and leases to deposits | 59.8380% | 5,503 |
| Net loans and leases to core deposits | 60.8469% | 5,765 |
| Total domestic deposits to total assets | 87.4807% | 2,481 |
| Equity capital to assets | 11.9863% | 2,140 |
| Core capital (leverage) ratio | 12.3182% | 1,425 |
| Tier 1 risk-based capital ratio | 18.9760% | 1,902 |
| Total risk-based capital ratio | 19.9392% | 1,957 |
| Memoranda: | ||
| Average total assets | $160,335,800 | 3,627 |
| Average earning assets | $140,828,400 | 3,727 |
| Average equity | $19,632,800 | 3,194 |
| Average total loans | $86,190,400 | 3,962 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 6,439 |
| Cost of funding earning assets | 0.8673% | 4,654 |
| Net interest margin | 3.2197% | 6,114 |
| Noninterest income to average assets | 0.7906% | 2,101 |
| Noninterest expense to average assets | 2.9861% | 3,598 |
| Loan and lease loss provision to assets | 0.1385% | 4,707 |
| Net operating income to assets | 0.4633% | 4,709 |
| Return on assets (ROA) | 0.4633% | 4,899 |
| Pretax return on assets | 0.5010% | 5,153 |
| Return on Equity (ROE) | 3.7626% | 5,101 |
| Retained earnings to average equity (ytd only) | 2.3994% | 4,923 |
| Net charge-offs to loans | 0.0498% | 5,487 |
| Credit loss provision to net charge-offs | 515.6250% | 532 |
| Earnings coverage of net charge-offs (x) | 23.8099% | 1,101 |
| Efficiency ratio | 82.3611% | 1,921 |
| Assets per employee ($millions) | 3.7741% | 4,355 |
| Cash dividends to net income (ytd only)* | 36.2320% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 5,345 |
| Loan loss allowance to noncurrent loans | 30.1729% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 4.1360% | 1,481 |
| Noncurrent loans to loans | 4.0770% | 1,628 |
| Net loans and leases to total assets | 54.8066% | 5,027 |
| Net loans and leases to deposits | 63.0145% | 5,289 |
| Net loans and leases to core deposits | 64.2795% | 5,590 |
| Total domestic deposits to total assets | 86.9745% | 2,674 |
| Equity capital to assets | 12.4640% | 1,936 |
| Core capital (leverage) ratio | 12.4217% | 1,471 |
| Tier 1 risk-based capital ratio | 19.3215% | 1,851 |
| Total risk-based capital ratio | 20.3836% | 1,865 |
| Memoranda: | ||
| Average total assets | $158,866,000 | 3,672 |
| Average earning assets | $139,886,000 | 3,770 |
| Average equity | $19,560,250 | 3,211 |
| Average total loans | $85,734,000 | 4,015 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 6,367 |
| Cost of funding earning assets | 0.9010% | 4,664 |
| Net interest margin | 3.2592% | 5,975 |
| Noninterest income to average assets | 0.7862% | 2,089 |
| Noninterest expense to average assets | 3.0179% | 3,565 |
| Loan and lease loss provision to assets | 0.1132% | 4,877 |
| Net operating income to assets | 0.4768% | 4,607 |
| Return on assets (ROA) | 0.4768% | 4,749 |
| Pretax return on assets | 0.5221% | 4,987 |
| Return on Equity (ROE) | 3.8882% | 4,987 |
| Retained earnings to average equity (ytd only) | 2.5238% | 4,686 |
| Net charge-offs to loans | 0.0753% | 4,895 |
| Credit loss provision to net charge-offs | 281.2500% | 1,085 |
| Earnings coverage of net charge-offs (x) | 15.7813% | 1,386 |
| Efficiency ratio | 82.6102% | 2,009 |
| Assets per employee ($millions) | 3.5950% | 4,700 |
| Cash dividends to net income (ytd only)* | 35.0923% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 5,647 |
| Loan loss allowance to noncurrent loans | 29.8990% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 4.0069% | 1,597 |
| Noncurrent loans to loans | 3.9314% | 1,764 |
| Net loans and leases to total assets | 53.5229% | 5,363 |
| Net loans and leases to deposits | 61.4865% | 5,562 |
| Net loans and leases to core deposits | 62.7168% | 5,834 |
| Total domestic deposits to total assets | 87.0482% | 2,717 |
| Equity capital to assets | 12.4157% | 1,834 |
| Core capital (leverage) ratio | 12.4892% | 1,362 |
| Tier 1 risk-based capital ratio | 19.0283% | 1,837 |
| Total risk-based capital ratio | 20.0070% | 1,887 |
| Memoranda: | ||
| Average total assets | $158,984,000 | 3,696 |
| Average earning assets | $139,851,330 | 3,793 |
| Average equity | $19,494,670 | 3,201 |
| Average total loans | $84,993,000 | 4,068 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 6,270 |
| Cost of funding earning assets | 0.9320% | 4,707 |
| Net interest margin | 3.2735% | 5,866 |
| Noninterest income to average assets | 0.7604% | 2,217 |
| Noninterest expense to average assets | 3.0668% | 3,399 |
| Loan and lease loss provision to assets | 0.1129% | 4,605 |
| Net operating income to assets | 0.4342% | 4,786 |
| Return on assets (ROA) | 0.4342% | 4,867 |
| Pretax return on assets | 0.4542% | 5,172 |
| Return on Equity (ROE) | 3.5629% | 5,118 |
| Retained earnings to average equity (ytd only) | 2.1830% | 4,835 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3923% | 1,909 |
| Assets per employee ($millions) | 3.3419% | 5,388 |
| Cash dividends to net income (ytd only)* | 38.7283% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 5,831 |
| Loan loss allowance to noncurrent loans | 30.6223% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 3.9575% | 1,684 |
| Noncurrent loans to loans | 3.7663% | 1,952 |
| Net loans and leases to total assets | 54.2379% | 5,270 |
| Net loans and leases to deposits | 62.2541% | 5,466 |
| Net loans and leases to core deposits | 63.4551% | 5,785 |
| Total domestic deposits to total assets | 87.1235% | 2,878 |
| Equity capital to assets | 12.3990% | 1,683 |
| Core capital (leverage) ratio | 12.3762% | 1,378 |
| Tier 1 risk-based capital ratio | 18.7028% | 1,894 |
| Total risk-based capital ratio | 19.6592% | 1,937 |
| Memoranda: | ||
| Average total assets | $159,386,500 | 3,718 |
| Average earning assets | $139,910,000 | 3,823 |
| Average equity | $19,422,500 | 3,200 |
| Average total loans | $84,655,000 | 4,118 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 6,784 |
| Cost of funding earning assets | 1.1334% | 4,946 |
| Net interest margin | 3.1711% | 6,332 |
| Noninterest income to average assets | 1.0688% | 1,310 |
| Noninterest expense to average assets | 3.0082% | 3,820 |
| Loan and lease loss provision to assets | 0.1415% | 5,766 |
| Net operating income to assets | 0.6052% | 3,646 |
| Return on assets (ROA) | 0.6052% | 3,813 |
| Pretax return on assets | 0.7228% | 3,894 |
| Return on Equity (ROE) | 4.5805% | 4,259 |
| Retained earnings to average equity (ytd only) | -9.6086% | 6,644 |
| Net charge-offs to loans | 0.3425% | 4,299 |
| Credit loss provision to net charge-offs | 80.6452% | 5,541 |
| Earnings coverage of net charge-offs (x) | 4.9247% | 2,765 |
| Efficiency ratio | 77.6803% | 2,762 |
| Assets per employee ($millions) | 3.3688% | 5,246 |
| Cash dividends to net income (ytd only)* | 309.7713% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 5,776 |
| Loan loss allowance to noncurrent loans | 42.0470% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 3.2306% | 2,191 |
| Noncurrent loans to loans | 2.7152% | 2,805 |
| Net loans and leases to total assets | 50.8188% | 6,065 |
| Net loans and leases to deposits | 58.0310% | 6,251 |
| Net loans and leases to core deposits | 59.1118% | 6,466 |
| Total domestic deposits to total assets | 87.5717% | 2,504 |
| Equity capital to assets | 11.9787% | 1,930 |
| Core capital (leverage) ratio | 12.1862% | 1,439 |
| Tier 1 risk-based capital ratio | 19.2404% | 1,661 |
| Total risk-based capital ratio | 20.1849% | 1,703 |
| Memoranda: | ||
| Average total assets | $158,967,600 | 3,716 |
| Average earning assets | $140,548,400 | 3,803 |
| Average equity | $21,002,000 | 3,005 |
| Average total loans | $81,460,800 | 4,299 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 6,864 |
| Cost of funding earning assets | 1.1863% | 4,934 |
| Net interest margin | 3.1821% | 6,405 |
| Noninterest income to average assets | 0.7716% | 2,380 |
| Noninterest expense to average assets | 2.8244% | 4,377 |
| Loan and lease loss provision to assets | 0.1516% | 5,529 |
| Net operating income to assets | 0.5408% | 4,128 |
| Return on assets (ROA) | 0.5408% | 4,300 |
| Pretax return on assets | 0.6200% | 4,532 |
| Return on Equity (ROE) | 3.9980% | 4,780 |
| Retained earnings to average equity (ytd only) | -1.2143% | 6,050 |
| Net charge-offs to loans | 0.2895% | 4,209 |
| Credit loss provision to net charge-offs | 102.2727% | 4,209 |
| Earnings coverage of net charge-offs (x) | 5.2046% | 2,815 |
| Efficiency ratio | 78.5430% | 2,553 |
| Assets per employee ($millions) | 3.1501% | 5,802 |
| Cash dividends to net income (ytd only)* | 130.3734% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 5,272 |
| Loan loss allowance to noncurrent loans | 113.6569% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 2.4380% | 2,934 |
| Noncurrent loans to loans | 1.0940% | 5,052 |
| Net loans and leases to total assets | 50.7787% | 6,239 |
| Net loans and leases to deposits | 59.1446% | 6,375 |
| Net loans and leases to core deposits | 60.4097% | 6,579 |
| Total domestic deposits to total assets | 85.8552% | 3,153 |
| Equity capital to assets | 13.4781% | 1,359 |
| Core capital (leverage) ratio | 13.3552% | 1,099 |
| Tier 1 risk-based capital ratio | 21.5397% | 1,278 |
| Total risk-based capital ratio | 22.5650% | 1,289 |
| Memoranda: | ||
| Average total assets | $158,283,500 | 3,792 |
| Average earning assets | $140,492,750 | 3,860 |
| Average equity | $21,410,000 | 2,993 |
| Average total loans | $81,044,750 | 4,380 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4099% | 6,882 |
| Cost of funding earning assets | 1.2269% | 4,974 |
| Net interest margin | 3.1830% | 6,371 |
| Noninterest income to average assets | 0.7077% | 2,661 |
| Noninterest expense to average assets | 2.8056% | 4,457 |
| Loan and lease loss provision to assets | 0.1703% | 5,171 |
| Net operating income to assets | 0.5008% | 4,330 |
| Return on assets (ROA) | 0.5008% | 4,474 |
| Pretax return on assets | 0.5563% | 4,714 |
| Return on Equity (ROE) | 3.6981% | 4,923 |
| Retained earnings to average equity (ytd only) | 2.4872% | 4,573 |
| Net charge-offs to loans | 0.3898% | 3,413 |
| Credit loss provision to net charge-offs | 85.4430% | 4,556 |
| Earnings coverage of net charge-offs (x) | 3.6456% | 3,230 |
| Efficiency ratio | 79.4286% | 2,515 |
| Assets per employee ($millions) | 3.2732% | 5,501 |
| Cash dividends to net income (ytd only)* | 32.7456% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 5,361 |
| Loan loss allowance to noncurrent loans | 48.2997% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 2.8736% | 2,505 |
| Noncurrent loans to loans | 2.5208% | 3,134 |
| Net loans and leases to total assets | 49.5732% | 6,483 |
| Net loans and leases to deposits | 57.6276% | 6,597 |
| Net loans and leases to core deposits | 58.6898% | 6,790 |
| Total domestic deposits to total assets | 86.0234% | 3,069 |
| Equity capital to assets | 13.5078% | 1,345 |
| Core capital (leverage) ratio | 13.8420% | 965 |
| Tier 1 risk-based capital ratio | 21.8993% | 1,218 |
| Total risk-based capital ratio | 22.8921% | 1,228 |
| Memoranda: | ||
| Average total assets | $158,542,330 | 3,818 |
| Average earning assets | $140,685,000 | 3,890 |
| Average equity | $21,470,330 | 2,980 |
| Average total loans | $81,064,000 | 4,417 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 7,065 |
| Cost of funding earning assets | 1.3076% | 4,771 |
| Net interest margin | 3.0424% | 6,735 |
| Noninterest income to average assets | 0.6827% | 2,723 |
| Noninterest expense to average assets | 2.8753% | 4,163 |
| Loan and lease loss provision to assets | 0.2284% | 4,215 |
| Net operating income to assets | 0.2715% | 5,413 |
| Return on assets (ROA) | 0.2715% | 5,539 |
| Pretax return on assets | 0.2715% | 5,685 |
| Return on Equity (ROE) | 2.0025% | 5,760 |
| Retained earnings to average equity (ytd only) | 0.7860% | 5,509 |
| Net charge-offs to loans | 0.4819% | 2,615 |
| Credit loss provision to net charge-offs | 91.8367% | 3,622 |
| Earnings coverage of net charge-offs (x) | 2.0102% | 3,534 |
| Efficiency ratio | 85.1880% | 1,890 |
| Assets per employee ($millions) | 3.1348% | 5,912 |
| Cash dividends to net income (ytd only)* | 60.7477% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 5,360 |
| Loan loss allowance to noncurrent loans | 37.9771% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 3.5807% | 1,960 |
| Noncurrent loans to loans | 3.2284% | 2,477 |
| Net loans and leases to total assets | 52.1858% | 6,250 |
| Net loans and leases to deposits | 60.9750% | 6,368 |
| Net loans and leases to core deposits | 62.0224% | 6,599 |
| Total domestic deposits to total assets | 85.5856% | 3,368 |
| Equity capital to assets | 13.9236% | 1,167 |
| Core capital (leverage) ratio | 13.8005% | 1,007 |
| Tier 1 risk-based capital ratio | 21.5953% | 1,254 |
| Total risk-based capital ratio | 22.5998% | 1,266 |
| Memoranda: | ||
| Average total assets | $157,619,000 | 3,885 |
| Average earning assets | $139,493,500 | 3,974 |
| Average equity | $21,373,000 | 3,020 |
| Average total loans | $81,351,000 | 4,465 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6050% | 7,283 |
| Cost of funding earning assets | 1.6856% | 4,591 |
| Net interest margin | 2.9194% | 6,821 |
| Noninterest income to average assets | 0.7092% | 2,903 |
| Noninterest expense to average assets | 2.8469% | 4,761 |
| Loan and lease loss provision to assets | 0.2336% | 5,505 |
| Net operating income to assets | 0.3098% | 4,498 |
| Return on assets (ROA) | 0.3098% | 4,584 |
| Pretax return on assets | 0.2216% | 4,957 |
| Return on Equity (ROE) | 2.2982% | 4,786 |
| Retained earnings to average equity (ytd only) | 1.0596% | 4,299 |
| Net charge-offs to loans | 0.1762% | 5,539 |
| Credit loss provision to net charge-offs | 237.4194% | 1,520 |
| Earnings coverage of net charge-offs (x) | 4.6258% | 2,876 |
| Efficiency ratio | 86.2142% | 2,085 |
| Assets per employee ($millions) | 3.2987% | 5,493 |
| Cash dividends to net income (ytd only)* | 53.8934% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 5,175 |
| Loan loss allowance to noncurrent loans | 30.8901% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 3.7906% | 1,755 |
| Noncurrent loans to loans | 3.9817% | 1,859 |
| Net loans and leases to total assets | 49.8314% | 6,660 |
| Net loans and leases to deposits | 57.7032% | 6,804 |
| Net loans and leases to core deposits | 63.2251% | 7,136 |
| Total domestic deposits to total assets | 86.3582% | 2,835 |
| Equity capital to assets | 13.2143% | 1,429 |
| Core capital (leverage) ratio | 13.6228% | 1,059 |
| Tier 1 risk-based capital ratio | 21.3579% | 1,243 |
| Total risk-based capital ratio | 22.3613% | 1,243 |
| Memoranda: | ||
| Average total assets | $157,502,400 | 3,819 |
| Average earning assets | $139,892,800 | 3,906 |
| Average equity | $21,234,400 | 3,048 |
| Average total loans | $87,972,800 | 4,269 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6765% | 7,322 |
| Cost of funding earning assets | 1.7705% | 4,524 |
| Net interest margin | 2.9061% | 6,846 |
| Noninterest income to average assets | 0.7141% | 2,926 |
| Noninterest expense to average assets | 2.8614% | 4,608 |
| Loan and lease loss provision to assets | 0.2352% | 5,091 |
| Net operating income to assets | 0.2940% | 4,812 |
| Return on assets (ROA) | 0.2940% | 4,924 |
| Pretax return on assets | 0.2037% | 5,297 |
| Return on Equity (ROE) | 2.1694% | 5,104 |
| Retained earnings to average equity (ytd only) | 0.9244% | 4,790 |
| Net charge-offs to loans | 0.2307% | 4,617 |
| Credit loss provision to net charge-offs | 178.0645% | 2,587 |
| Earnings coverage of net charge-offs (x) | 3.3226% | 3,575 |
| Efficiency ratio | 86.7028% | 1,996 |
| Assets per employee ($millions) | 3.2055% | 5,636 |
| Cash dividends to net income (ytd only)* | 57.3904% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 5,867 |
| Loan loss allowance to noncurrent loans | 28.4066% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 4.1357% | 1,522 |
| Noncurrent loans to loans | 3.7839% | 1,965 |
| Net loans and leases to total assets | 53.3787% | 6,454 |
| Net loans and leases to deposits | 62.2006% | 6,655 |
| Net loans and leases to core deposits | 68.7258% | 7,030 |
| Total domestic deposits to total assets | 85.8172% | 2,796 |
| Equity capital to assets | 13.5494% | 1,476 |
| Core capital (leverage) ratio | 13.6786% | 1,173 |
| Tier 1 risk-based capital ratio | 20.6588% | 1,428 |
| Total risk-based capital ratio | 21.5435% | 1,454 |
| Memoranda: | ||
| Average total assets | $156,469,250 | 3,866 |
| Average earning assets | $139,245,000 | 3,944 |
| Average equity | $21,203,250 | 3,074 |
| Average total loans | $89,579,000 | 4,261 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 7,227 |
| Cost of funding earning assets | 1.8499% | 4,508 |
| Net interest margin | 2.9501% | 6,683 |
| Noninterest income to average assets | 0.7385% | 2,771 |
| Noninterest expense to average assets | 2.8976% | 4,509 |
| Loan and lease loss provision to assets | 0.2355% | 4,707 |
| Net operating income to assets | 0.3097% | 4,850 |
| Return on assets (ROA) | 0.3097% | 4,965 |
| Pretax return on assets | 0.2342% | 5,374 |
| Return on Equity (ROE) | 2.2855% | 5,187 |
| Retained earnings to average equity (ytd only) | 1.0483% | 4,742 |
| Net charge-offs to loans | 0.3158% | 3,609 |
| Credit loss provision to net charge-offs | 127.7778% | 3,640 |
| Earnings coverage of net charge-offs (x) | 2.5486% | 3,794 |
| Efficiency ratio | 86.0509% | 2,225 |
| Assets per employee ($millions) | 3.1764% | 5,635 |
| Cash dividends to net income (ytd only)* | 54.1322% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 6,436 |
| Loan loss allowance to noncurrent loans | 29.6217% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 3.9237% | 1,531 |
| Noncurrent loans to loans | 3.2795% | 2,159 |
| Net loans and leases to total assets | 54.3619% | 6,403 |
| Net loans and leases to deposits | 63.4265% | 6,621 |
| Net loans and leases to core deposits | 69.8053% | 7,027 |
| Total domestic deposits to total assets | 85.7084% | 2,920 |
| Equity capital to assets | 13.6491% | 1,438 |
| Core capital (leverage) ratio | 13.8672% | 1,174 |
| Tier 1 risk-based capital ratio | 20.5002% | 1,487 |
| Total risk-based capital ratio | 21.3015% | 1,533 |
| Memoranda: | ||
| Average total assets | $156,269,000 | 3,892 |
| Average earning assets | $139,249,670 | 3,962 |
| Average equity | $21,177,000 | 3,073 |
| Average total loans | $91,187,670 | 4,252 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 7,222 |
| Cost of funding earning assets | 1.9794% | 4,244 |
| Net interest margin | 2.8993% | 6,747 |
| Noninterest income to average assets | 0.6412% | 3,261 |
| Noninterest expense to average assets | 2.8713% | 4,257 |
| Loan and lease loss provision to assets | 0.2350% | 4,103 |
| Net operating income to assets | 0.2350% | 5,548 |
| Return on assets (ROA) | 0.2350% | 5,710 |
| Pretax return on assets | 0.1354% | 6,089 |
| Return on Equity (ROE) | 1.7405% | 5,864 |
| Retained earnings to average equity (ytd only) | 0.4540% | 5,471 |
| Net charge-offs to loans | 0.6039% | 1,971 |
| Credit loss provision to net charge-offs | 64.7887% | 4,443 |
| Earnings coverage of net charge-offs (x) | 1.0211% | 4,259 |
| Efficiency ratio | 88.5737% | 1,840 |
| Assets per employee ($millions) | 3.0542% | 6,015 |
| Cash dividends to net income (ytd only)* | 73.9130% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 7,118 |
| Loan loss allowance to noncurrent loans | 14.5583% | 7,412 |
| Noncurrent assets plus other real estate owned to assets | 3.7902% | 1,393 |
| Noncurrent loans to loans | 5.5631% | 914 |
| Net loans and leases to total assets | 59.3486% | 5,762 |
| Net loans and leases to deposits | 69.4217% | 6,036 |
| Net loans and leases to core deposits | 76.7323% | 6,627 |
| Total domestic deposits to total assets | 85.4900% | 2,976 |
| Equity capital to assets | 13.8532% | 1,408 |
| Core capital (leverage) ratio | 13.6055% | 1,293 |
| Tier 1 risk-based capital ratio | 20.2064% | 1,579 |
| Total risk-based capital ratio | 20.9134% | 1,632 |
| Memoranda: | ||
| Average total assets | $156,581,500 | 3,889 |
| Average earning assets | $140,449,500 | 3,942 |
| Average equity | $21,143,500 | 3,101 |
| Average total loans | $94,061,000 | 4,209 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2593% | 7,640 |
| Cost of funding earning assets | 2.3958% | 4,731 |
| Net interest margin | 2.8635% | 7,227 |
| Noninterest income to average assets | 0.6413% | 3,541 |
| Noninterest expense to average assets | 2.8227% | 4,728 |
| Loan and lease loss provision to assets | 0.1408% | 5,553 |
| Net operating income to assets | 0.3105% | 5,507 |
| Return on assets (ROA) | 0.3105% | 5,321 |
| Pretax return on assets | 0.2361% | 5,655 |
| Return on Equity (ROE) | 2.3287% | 5,490 |
| Retained earnings to average equity (ytd only) | -0.5348% | 5,450 |
| Net charge-offs to loans | 0.4095% | 2,772 |
| Credit loss provision to net charge-offs | 56.8878% | 6,268 |
| Earnings coverage of net charge-offs (x) | 1.5230% | 5,339 |
| Efficiency ratio | 88.2225% | 1,661 |
| Assets per employee ($millions) | 3.2091% | 5,459 |
| Cash dividends to net income (ytd only)* | 122.9675% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8176% | 7,036 |
| Loan loss allowance to noncurrent loans | 15.0839% | 7,389 |
| Noncurrent assets plus other real estate owned to assets | 3.7076% | 1,166 |
| Noncurrent loans to loans | 5.4200% | 765 |
| Net loans and leases to total assets | 59.8056% | 5,939 |
| Net loans and leases to deposits | 70.0271% | 6,276 |
| Net loans and leases to core deposits | 77.4791% | 6,772 |
| Total domestic deposits to total assets | 85.4034% | 2,666 |
| Equity capital to assets | 13.1700% | 1,721 |
| Core capital (leverage) ratio | 13.5627% | 1,366 |
| Tier 1 risk-based capital ratio | 18.9726% | 1,819 |
| Total risk-based capital ratio | 19.6821% | 1,877 |
| Memoranda: | ||
| Average total assets | $158,430,000 | 3,748 |
| Average earning assets | $141,540,800 | 3,812 |
| Average equity | $21,127,800 | 3,081 |
| Average total loans | $95,725,600 | 4,061 |