Home > Fortress Bank > Performance and Condition Ratios
Fortress Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6527% | 981 |
| Cost of funding earning assets | 2.4198% | 438 |
| Net interest margin | 3.2329% | 2,786 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.6968% | 1,738 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.7941% | 2,891 |
| Return on assets (ROA) | 0.7941% | 2,869 |
| Pretax return on assets | 0.7781% | 3,262 |
| Return on Equity (ROE) | 8.4700% | 2,900 |
| Retained earnings to average equity (ytd only) | 7.8158% | 1,598 |
| Net charge-offs to loans | 0.0159% | 2,066 |
| Credit loss provision to net charge-offs | 1,284.7059% | 329 |
| Earnings coverage of net charge-offs (x) | 74.3412% | 1,070 |
| Efficiency ratio | 74.0465% | 1,457 |
| Assets per employee ($millions) | 5.8585% | 2,938 |
| Cash dividends to net income (ytd only)* | 7.7038% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 2,028 |
| Loan loss allowance to noncurrent loans | 223.4575% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 1,227 |
| Noncurrent loans to loans | 0.5584% | 1,403 |
| Net loans and leases to total assets | 79.7000% | 677 |
| Net loans and leases to deposits | 98.0689% | 651 |
| Net loans and leases to core deposits | 109.3341% | 982 |
| Total domestic deposits to total assets | 81.2700% | 3,259 |
| Equity capital to assets | 9.6439% | 2,242 |
| Core capital (leverage) ratio | 9.1637% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6172% | 2,683 |
| Memoranda: | ||
| Average total assets | $671,801,800 | 1,350 |
| Average earning assets | $628,601,400 | 1,326 |
| Average equity | $63,000,200 | 1,343 |
| Average total loans | $533,632,600 | 1,174 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5373% | 971 |
| Cost of funding earning assets | 2.2470% | 457 |
| Net interest margin | 3.2903% | 2,707 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.8046% | 1,427 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.8151% | 2,980 |
| Return on assets (ROA) | 0.8151% | 2,964 |
| Pretax return on assets | 0.7209% | 3,503 |
| Return on Equity (ROE) | 8.7300% | 3,003 |
| Retained earnings to average equity (ytd only) | 8.0668% | 1,942 |
| Net charge-offs to loans | 0.0087% | 2,086 |
| Credit loss provision to net charge-offs | 2,408.8235% | 199 |
| Earnings coverage of net charge-offs (x) | 128.7647% | 809 |
| Efficiency ratio | 75.8505% | 1,185 |
| Assets per employee ($millions) | 5.5313% | 3,156 |
| Cash dividends to net income (ytd only)* | 7.6292% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 2,059 |
| Loan loss allowance to noncurrent loans | 155.1958% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 870 |
| Noncurrent loans to loans | 0.8112% | 1,022 |
| Net loans and leases to total assets | 79.8400% | 663 |
| Net loans and leases to deposits | 97.2648% | 658 |
| Net loans and leases to core deposits | 103.2592% | 1,153 |
| Total domestic deposits to total assets | 82.0800% | 3,192 |
| Equity capital to assets | 9.3093% | 2,219 |
| Core capital (leverage) ratio | 9.1704% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2481% | 2,773 |
| Memoranda: | ||
| Average total assets | $658,226,500 | 1,365 |
| Average earning assets | $615,685,500 | 1,344 |
| Average equity | $61,435,750 | 1,359 |
| Average total loans | $520,466,000 | 1,193 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3494% | 1,018 |
| Cost of funding earning assets | 2.0403% | 451 |
| Net interest margin | 3.3091% | 2,726 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.7066% | 1,625 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 0.8514% | 2,920 |
| Return on assets (ROA) | 0.8514% | 2,923 |
| Pretax return on assets | 0.7835% | 3,433 |
| Return on Equity (ROE) | 9.1100% | 2,956 |
| Retained earnings to average equity (ytd only) | 8.4362% | 1,836 |
| Net charge-offs to loans | 0.0142% | 1,660 |
| Credit loss provision to net charge-offs | 1,516.6667% | 313 |
| Earnings coverage of net charge-offs (x) | 85.3889% | 1,019 |
| Efficiency ratio | 73.7952% | 1,366 |
| Assets per employee ($millions) | 5.4519% | 3,188 |
| Cash dividends to net income (ytd only)* | 7.4263% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,143 |
| Loan loss allowance to noncurrent loans | 296.6964% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 1,595 |
| Noncurrent loans to loans | 0.4237% | 1,665 |
| Net loans and leases to total assets | 77.2200% | 917 |
| Net loans and leases to deposits | 90.3344% | 1,164 |
| Net loans and leases to core deposits | 98.7370% | 1,308 |
| Total domestic deposits to total assets | 85.4900% | 2,394 |
| Equity capital to assets | 9.3044% | 2,310 |
| Core capital (leverage) ratio | 8.8743% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3708% | 2,789 |
| Memoranda: | ||
| Average total assets | $645,322,667 | 1,385 |
| Average earning assets | $603,732,667 | 1,373 |
| Average equity | $60,287,667 | 1,382 |
| Average total loans | $506,119,333 | 1,200 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1651% | 1,000 |
| Cost of funding earning assets | 1.7756% | 477 |
| Net interest margin | 3.3895% | 2,658 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.6681% | 1,751 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.6197% | 3,658 |
| Return on assets (ROA) | 0.6197% | 3,610 |
| Pretax return on assets | 0.8312% | 3,390 |
| Return on Equity (ROE) | 6.6200% | 3,611 |
| Retained earnings to average equity (ytd only) | 5.9341% | 2,780 |
| Net charge-offs to loans | 0.0170% | 1,345 |
| Credit loss provision to net charge-offs | 1,300.0000% | 312 |
| Earnings coverage of net charge-offs (x) | 75.3333% | 920 |
| Efficiency ratio | 72.4758% | 1,498 |
| Assets per employee ($millions) | 5.2484% | 3,462 |
| Cash dividends to net income (ytd only)* | 10.3484% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 2,216 |
| Loan loss allowance to noncurrent loans | 277.9809% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 1,437 |
| Noncurrent loans to loans | 0.4550% | 1,583 |
| Net loans and leases to total assets | 77.8800% | 776 |
| Net loans and leases to deposits | 95.8879% | 659 |
| Net loans and leases to core deposits | 106.1369% | 829 |
| Total domestic deposits to total assets | 81.2200% | 3,604 |
| Equity capital to assets | 9.5642% | 2,090 |
| Core capital (leverage) ratio | 9.0986% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5357% | 2,844 |
| Memoranda: | ||
| Average total assets | $629,965,500 | 1,436 |
| Average earning assets | $588,874,500 | 1,423 |
| Average equity | $58,981,000 | 1,413 |
| Average total loans | $494,827,500 | 1,239 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 1,515 |
| Cost of funding earning assets | 0.6610% | 688 |
| Net interest margin | 3.4208% | 2,184 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 2.7642% | 1,403 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.8105% | 3,291 |
| Return on assets (ROA) | 0.8105% | 3,220 |
| Pretax return on assets | 1.0937% | 2,792 |
| Return on Equity (ROE) | 8.3700% | 3,290 |
| Retained earnings to average equity (ytd only) | 6.0879% | 2,609 |
| Net charge-offs to loans | 0.0275% | 1,510 |
| Credit loss provision to net charge-offs | 411.6667% | 764 |
| Earnings coverage of net charge-offs (x) | 56.1917% | 1,299 |
| Efficiency ratio | 69.7950% | 1,715 |
| Assets per employee ($millions) | 5.3881% | 3,330 |
| Cash dividends to net income (ytd only)* | 27.2295% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,049 |
| Loan loss allowance to noncurrent loans | 194.9604% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 1,004 |
| Noncurrent loans to loans | 0.6510% | 1,144 |
| Net loans and leases to total assets | 77.2200% | 872 |
| Net loans and leases to deposits | 93.9116% | 793 |
| Net loans and leases to core deposits | 103.0741% | 851 |
| Total domestic deposits to total assets | 82.2300% | 3,581 |
| Equity capital to assets | 9.1542% | 2,259 |
| Core capital (leverage) ratio | 9.0091% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3589% | 2,898 |
| Memoranda: | ||
| Average total assets | $571,348,600 | 1,557 |
| Average earning assets | $530,725,600 | 1,548 |
| Average equity | $55,355,400 | 1,494 |
| Average total loans | $437,142,200 | 1,300 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 1,531 |
| Cost of funding earning assets | 0.4130% | 1,204 |
| Net interest margin | 3.4666% | 1,762 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 2.8357% | 1,181 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.8737% | 2,990 |
| Return on assets (ROA) | 0.8737% | 2,959 |
| Pretax return on assets | 1.1810% | 2,439 |
| Return on Equity (ROE) | 8.8800% | 3,070 |
| Retained earnings to average equity (ytd only) | 6.0759% | 2,728 |
| Net charge-offs to loans | 0.0386% | 1,109 |
| Credit loss provision to net charge-offs | 299.1870% | 818 |
| Earnings coverage of net charge-offs (x) | 43.2683% | 1,353 |
| Efficiency ratio | 68.8099% | 1,912 |
| Assets per employee ($millions) | 5.1468% | 3,549 |
| Cash dividends to net income (ytd only)* | 31.5962% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 1,695 |
| Loan loss allowance to noncurrent loans | 273.9763% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 1,418 |
| Noncurrent loans to loans | 0.5017% | 1,545 |
| Net loans and leases to total assets | 74.9600% | 1,014 |
| Net loans and leases to deposits | 87.1304% | 1,093 |
| Net loans and leases to core deposits | 97.8504% | 904 |
| Total domestic deposits to total assets | 86.0300% | 3,061 |
| Equity capital to assets | 9.3624% | 1,974 |
| Core capital (leverage) ratio | 8.9652% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6772% | 2,898 |
| Memoranda: | ||
| Average total assets | $559,278,750 | 1,597 |
| Average earning assets | $518,457,000 | 1,593 |
| Average equity | $55,013,750 | 1,512 |
| Average total loans | $425,272,500 | 1,319 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 1,490 |
| Cost of funding earning assets | 0.2692% | 2,038 |
| Net interest margin | 3.4525% | 1,445 |
| Noninterest income to average assets | 1.0308% | 625 |
| Noninterest expense to average assets | 2.8171% | 1,144 |
| Loan and lease loss provision to assets | 0.0910% | 1,088 |
| Net operating income to assets | 0.9813% | 2,226 |
| Return on assets (ROA) | 0.9813% | 2,201 |
| Pretax return on assets | 1.3245% | 1,663 |
| Return on Equity (ROE) | 9.8118% | 2,401 |
| Retained earnings to average equity (ytd only) | 6.9073% | 2,019 |
| Net charge-offs to loans | 0.0622% | 783 |
| Credit loss provision to net charge-offs | 192.3664% | 987 |
| Earnings coverage of net charge-offs (x) | 29.9084% | 1,390 |
| Efficiency ratio | 66.2825% | 2,475 |
| Assets per employee ($millions) | 5.1210% | 3,579 |
| Cash dividends to net income (ytd only)* | 29.6024% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 1,832 |
| Loan loss allowance to noncurrent loans | 265.5561% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 1,407 |
| Noncurrent loans to loans | 0.5201% | 1,585 |
| Net loans and leases to total assets | 74.0882% | 914 |
| Net loans and leases to deposits | 84.0064% | 1,117 |
| Net loans and leases to core deposits | 94.7901% | 881 |
| Total domestic deposits to total assets | 88.1935% | 2,499 |
| Equity capital to assets | 9.5368% | 1,993 |
| Core capital (leverage) ratio | 9.0842% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8275% | 2,856 |
| Memoranda: | ||
| Average total assets | $553,557,333 | 1,617 |
| Average earning assets | $513,360,333 | 1,629 |
| Average equity | $55,362,000 | 1,538 |
| Average total loans | $420,997,333 | 1,326 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5828% | 1,556 |
| Cost of funding earning assets | 0.2198% | 2,532 |
| Net interest margin | 3.3630% | 1,397 |
| Noninterest income to average assets | 0.6621% | 1,442 |
| Noninterest expense to average assets | 2.8001% | 1,155 |
| Loan and lease loss provision to assets | 0.0923% | 894 |
| Net operating income to assets | 0.6585% | 3,199 |
| Return on assets (ROA) | 0.6585% | 3,175 |
| Pretax return on assets | 0.8855% | 2,831 |
| Return on Equity (ROE) | 6.4285% | 3,209 |
| Retained earnings to average equity (ytd only) | 5.7063% | 2,350 |
| Net charge-offs to loans | 0.0584% | 725 |
| Credit loss provision to net charge-offs | 206.5574% | 768 |
| Earnings coverage of net charge-offs (x) | 21.8852% | 1,248 |
| Efficiency ratio | 73.8077% | 1,762 |
| Assets per employee ($millions) | 5.0160% | 3,739 |
| Cash dividends to net income (ytd only)* | 11.2347% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4454% | 1,731 |
| Loan loss allowance to noncurrent loans | 108.9316% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.0123% | 492 |
| Noncurrent loans to loans | 1.3269% | 658 |
| Net loans and leases to total assets | 74.2172% | 645 |
| Net loans and leases to deposits | 93.2019% | 395 |
| Net loans and leases to core deposits | 100.8969% | 485 |
| Total domestic deposits to total assets | 79.6306% | 4,307 |
| Equity capital to assets | 10.2790% | 1,701 |
| Core capital (leverage) ratio | 8.9575% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2052% | 2,846 |
| Memoranda: | ||
| Average total assets | $546,120,000 | 1,647 |
| Average earning assets | $505,975,500 | 1,654 |
| Average equity | $55,938,000 | 1,576 |
| Average total loans | $417,976,500 | 1,325 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7605% | 1,961 |
| Cost of funding earning assets | 0.3283% | 2,133 |
| Net interest margin | 3.4322% | 1,926 |
| Noninterest income to average assets | 1.3155% | 622 |
| Noninterest expense to average assets | 3.0128% | 956 |
| Loan and lease loss provision to assets | 0.1690% | 689 |
| Net operating income to assets | 1.0876% | 2,346 |
| Return on assets (ROA) | 1.0878% | 2,414 |
| Pretax return on assets | 1.3206% | 2,293 |
| Return on Equity (ROE) | 10.9480% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.2597% | 1,114 |
| Net charge-offs to loans | 0.1606% | 599 |
| Credit loss provision to net charge-offs | 138.7725% | 1,539 |
| Earnings coverage of net charge-offs (x) | 12.2290% | 2,123 |
| Efficiency ratio | 66.4966% | 2,195 |
| Assets per employee ($millions) | 5.0048% | 3,723 |
| Cash dividends to net income (ytd only)* | 15.4207% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 2,189 |
| Loan loss allowance to noncurrent loans | 113.2745% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.9180% | 631 |
| Noncurrent loans to loans | 1.1812% | 814 |
| Net loans and leases to total assets | 76.6840% | 464 |
| Net loans and leases to deposits | 94.9266% | 351 |
| Net loans and leases to core deposits | 105.7008% | 374 |
| Total domestic deposits to total assets | 80.7824% | 4,130 |
| Equity capital to assets | 10.2079% | 2,461 |
| Core capital (leverage) ratio | 9.1039% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5054% | 2,985 |
| Memoranda: | ||
| Average total assets | $548,462,000 | 1,581 |
| Average earning assets | $509,238,200 | 1,579 |
| Average equity | $54,494,200 | 1,645 |
| Average total loans | $416,034,400 | 1,333 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5424% | 2,715 |
| Cost of funding earning assets | 0.3471% | 2,144 |
| Net interest margin | 3.1952% | 2,742 |
| Noninterest income to average assets | 1.4543% | 566 |
| Noninterest expense to average assets | 2.9978% | 978 |
| Loan and lease loss provision to assets | 0.1529% | 728 |
| Net operating income to assets | 0.9451% | 3,103 |
| Return on assets (ROA) | 0.9451% | 3,182 |
| Pretax return on assets | 1.2736% | 2,694 |
| Return on Equity (ROE) | 9.5787% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.4490% | 1,893 |
| Net charge-offs to loans | 0.1343% | 603 |
| Credit loss provision to net charge-offs | 151.0843% | 1,354 |
| Earnings coverage of net charge-offs (x) | 14.0940% | 1,901 |
| Efficiency ratio | 67.3282% | 1,925 |
| Assets per employee ($millions) | 4.8489% | 3,842 |
| Cash dividends to net income (ytd only)* | 11.7935% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 1,980 |
| Loan loss allowance to noncurrent loans | 105.6221% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.0079% | 653 |
| Noncurrent loans to loans | 1.3353% | 802 |
| Net loans and leases to total assets | 74.4185% | 660 |
| Net loans and leases to deposits | 92.5033% | 470 |
| Net loans and leases to core deposits | 103.6760% | 466 |
| Total domestic deposits to total assets | 80.4496% | 4,171 |
| Equity capital to assets | 10.3305% | 2,588 |
| Core capital (leverage) ratio | 8.7832% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3525% | 3,055 |
| Memoranda: | ||
| Average total assets | $546,694,250 | 1,590 |
| Average earning assets | $508,159,250 | 1,590 |
| Average equity | $53,938,000 | 1,675 |
| Average total loans | $412,097,500 | 1,371 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4477% | 3,032 |
| Cost of funding earning assets | 0.3559% | 2,265 |
| Net interest margin | 3.0918% | 3,058 |
| Noninterest income to average assets | 1.6214% | 470 |
| Noninterest expense to average assets | 2.9633% | 1,044 |
| Loan and lease loss provision to assets | 0.1969% | 566 |
| Net operating income to assets | 0.9896% | 2,925 |
| Return on assets (ROA) | 0.9896% | 3,014 |
| Pretax return on assets | 1.3350% | 2,536 |
| Return on Equity (ROE) | 10.1867% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.8417% | 1,761 |
| Net charge-offs to loans | 0.1749% | 483 |
| Credit loss provision to net charge-offs | 149.4475% | 1,167 |
| Earnings coverage of net charge-offs (x) | 11.6271% | 1,749 |
| Efficiency ratio | 65.5008% | 2,227 |
| Assets per employee ($millions) | 5.4162% | 3,225 |
| Cash dividends to net income (ytd only)* | 13.2034% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 1,985 |
| Loan loss allowance to noncurrent loans | 97.3846% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.0589% | 705 |
| Noncurrent loans to loans | 1.4349% | 808 |
| Net loans and leases to total assets | 72.7652% | 876 |
| Net loans and leases to deposits | 90.3721% | 628 |
| Net loans and leases to core deposits | 101.0287% | 628 |
| Total domestic deposits to total assets | 80.5174% | 4,154 |
| Equity capital to assets | 9.8600% | 2,991 |
| Core capital (leverage) ratio | 8.5613% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4047% | 3,051 |
| Memoranda: | ||
| Average total assets | $549,516,000 | 1,577 |
| Average earning assets | $510,772,333 | 1,574 |
| Average equity | $53,383,333 | 1,683 |
| Average total loans | $414,039,333 | 1,369 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4287% | 3,120 |
| Cost of funding earning assets | 0.3846% | 2,220 |
| Net interest margin | 3.0441% | 3,151 |
| Noninterest income to average assets | 1.7079% | 487 |
| Noninterest expense to average assets | 2.9326% | 1,106 |
| Loan and lease loss provision to assets | 0.2277% | 502 |
| Net operating income to assets | 1.0058% | 2,792 |
| Return on assets (ROA) | 1.0058% | 2,879 |
| Pretax return on assets | 1.3721% | 2,359 |
| Return on Equity (ROE) | 10.4317% | 2,556 |
| Retained earnings to average equity (ytd only) | 9.6595% | 1,748 |
| Net charge-offs to loans | 0.1917% | 425 |
| Credit loss provision to net charge-offs | 156.0000% | 971 |
| Earnings coverage of net charge-offs (x) | 10.9600% | 1,476 |
| Efficiency ratio | 64.2834% | 2,431 |
| Assets per employee ($millions) | 5.5134% | 3,099 |
| Cash dividends to net income (ytd only)* | 7.4020% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 2,194 |
| Loan loss allowance to noncurrent loans | 87.4088% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.1342% | 676 |
| Noncurrent loans to loans | 1.5456% | 802 |
| Net loans and leases to total assets | 72.3930% | 968 |
| Net loans and leases to deposits | 91.6778% | 611 |
| Net loans and leases to core deposits | 99.8060% | 723 |
| Total domestic deposits to total assets | 78.9646% | 4,334 |
| Equity capital to assets | 9.3643% | 3,315 |
| Core capital (leverage) ratio | 8.7909% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5331% | 3,007 |
| Memoranda: | ||
| Average total assets | $548,048,000 | 1,567 |
| Average earning assets | $508,532,500 | 1,566 |
| Average equity | $52,839,000 | 1,688 |
| Average total loans | $417,214,000 | 1,368 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 2,050 |
| Cost of funding earning assets | 0.6774% | 1,835 |
| Net interest margin | 3.5541% | 2,298 |
| Noninterest income to average assets | 1.2391% | 729 |
| Noninterest expense to average assets | 3.1001% | 1,230 |
| Loan and lease loss provision to assets | 0.2450% | 1,581 |
| Net operating income to assets | 0.8876% | 2,748 |
| Return on assets (ROA) | 0.8891% | 2,882 |
| Pretax return on assets | 1.1892% | 2,366 |
| Return on Equity (ROE) | 9.0119% | 2,387 |
| Retained earnings to average equity (ytd only) | 6.4833% | 1,598 |
| Net charge-offs to loans | 0.0464% | 2,138 |
| Credit loss provision to net charge-offs | 675.6757% | 1,013 |
| Earnings coverage of net charge-offs (x) | 39.5027% | 1,400 |
| Efficiency ratio | 67.7779% | 2,258 |
| Assets per employee ($millions) | 5.2821% | 3,068 |
| Cash dividends to net income (ytd only)* | 28.0582% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 2,309 |
| Loan loss allowance to noncurrent loans | 207.5997% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 2,050 |
| Noncurrent loans to loans | 0.6364% | 2,095 |
| Net loans and leases to total assets | 78.0314% | 598 |
| Net loans and leases to deposits | 101.9009% | 313 |
| Net loans and leases to core deposits | 111.8856% | 461 |
| Total domestic deposits to total assets | 76.5758% | 4,460 |
| Equity capital to assets | 9.9392% | 3,190 |
| Core capital (leverage) ratio | 8.4237% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5734% | 3,013 |
| Memoranda: | ||
| Average total assets | $510,277,000 | 1,517 |
| Average earning assets | $472,810,000 | 1,527 |
| Average equity | $50,344,800 | 1,683 |
| Average total loans | $398,518,200 | 1,364 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4429% | 1,725 |
| Cost of funding earning assets | 0.7449% | 1,776 |
| Net interest margin | 3.6980% | 1,951 |
| Noninterest income to average assets | 1.0402% | 963 |
| Noninterest expense to average assets | 2.9076% | 1,686 |
| Loan and lease loss provision to assets | 0.2782% | 1,446 |
| Net operating income to assets | 0.9623% | 2,481 |
| Return on assets (ROA) | 0.9637% | 2,607 |
| Pretax return on assets | 1.2835% | 2,119 |
| Return on Equity (ROE) | 9.7871% | 2,096 |
| Retained earnings to average equity (ytd only) | 6.6630% | 1,827 |
| Net charge-offs to loans | 0.0440% | 1,996 |
| Credit loss provision to net charge-offs | 811.5385% | 970 |
| Earnings coverage of net charge-offs (x) | 45.5154% | 1,263 |
| Efficiency ratio | 64.4480% | 2,670 |
| Assets per employee ($millions) | 5.5252% | 2,686 |
| Cash dividends to net income (ytd only)* | 31.9201% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,252 |
| Loan loss allowance to noncurrent loans | 157.8978% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 1,884 |
| Noncurrent loans to loans | 0.8093% | 1,802 |
| Net loans and leases to total assets | 75.1984% | 1,206 |
| Net loans and leases to deposits | 98.3066% | 607 |
| Net loans and leases to core deposits | 107.6186% | 784 |
| Total domestic deposits to total assets | 76.4937% | 4,385 |
| Equity capital to assets | 9.3588% | 3,809 |
| Core capital (leverage) ratio | 7.9986% | 4,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4972% | 3,034 |
| Memoranda: | ||
| Average total assets | $505,792,750 | 1,505 |
| Average earning assets | $468,747,000 | 1,518 |
| Average equity | $49,806,000 | 1,691 |
| Average total loans | $393,725,000 | 1,371 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8443% | 1,067 |
| Cost of funding earning assets | 0.8564% | 1,571 |
| Net interest margin | 3.9879% | 1,358 |
| Noninterest income to average assets | 0.6524% | 1,927 |
| Noninterest expense to average assets | 2.8147% | 2,068 |
| Loan and lease loss provision to assets | 0.3509% | 1,204 |
| Net operating income to assets | 0.8831% | 2,762 |
| Return on assets (ROA) | 0.8853% | 2,866 |
| Pretax return on assets | 1.1754% | 2,446 |
| Return on Equity (ROE) | 8.8262% | 2,436 |
| Retained earnings to average equity (ytd only) | 6.5485% | 1,845 |
| Net charge-offs to loans | 0.2615% | 602 |
| Credit loss provision to net charge-offs | 170.9742% | 2,035 |
| Earnings coverage of net charge-offs (x) | 7.4235% | 2,364 |
| Efficiency ratio | 64.2058% | 2,797 |
| Assets per employee ($millions) | 5.4312% | 2,708 |
| Cash dividends to net income (ytd only)* | 25.8065% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 2,665 |
| Loan loss allowance to noncurrent loans | 137.1152% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 1,741 |
| Noncurrent loans to loans | 0.8535% | 1,783 |
| Net loans and leases to total assets | 77.9103% | 856 |
| Net loans and leases to deposits | 102.6734% | 429 |
| Net loans and leases to core deposits | 111.9172% | 667 |
| Total domestic deposits to total assets | 75.8817% | 4,438 |
| Equity capital to assets | 9.7464% | 3,426 |
| Core capital (leverage) ratio | 8.4917% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6893% | 3,187 |
| Memoranda: | ||
| Average total assets | $490,218,333 | 1,528 |
| Average earning assets | $453,065,667 | 1,532 |
| Average equity | $49,171,667 | 1,696 |
| Average total loans | $384,679,667 | 1,381 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 2,105 |
| Cost of funding earning assets | 1.0647% | 1,164 |
| Net interest margin | 3.5033% | 2,969 |
| Noninterest income to average assets | 0.5208% | 2,438 |
| Noninterest expense to average assets | 2.7289% | 2,634 |
| Loan and lease loss provision to assets | 0.1517% | 1,877 |
| Net operating income to assets | 0.6550% | 3,435 |
| Return on assets (ROA) | 0.6557% | 3,490 |
| Pretax return on assets | 0.8689% | 3,228 |
| Return on Equity (ROE) | 6.4365% | 3,156 |
| Retained earnings to average equity (ytd only) | 4.7405% | 2,396 |
| Net charge-offs to loans | -0.0129% | 4,168 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9874% | 2,077 |
| Assets per employee ($millions) | 4.9509% | 2,702 |
| Cash dividends to net income (ytd only)* | 26.3496% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,442 |
| Loan loss allowance to noncurrent loans | 116.6206% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 1,496 |
| Noncurrent loans to loans | 1.0647% | 1,559 |
| Net loans and leases to total assets | 77.7298% | 1,019 |
| Net loans and leases to deposits | 97.0864% | 811 |
| Net loans and leases to core deposits | 118.2595% | 522 |
| Total domestic deposits to total assets | 80.0625% | 3,846 |
| Equity capital to assets | 10.1854% | 3,615 |
| Core capital (leverage) ratio | 8.6150% | 4,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4133% | 3,244 |
| Memoranda: | ||
| Average total assets | $474,631,500 | 1,521 |
| Average earning assets | $437,306,000 | 1,531 |
| Average equity | $48,349,000 | 1,710 |
| Average total loans | $371,505,500 | 1,379 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6466% | 2,479 |
| Cost of funding earning assets | 1.2350% | 937 |
| Net interest margin | 3.4116% | 3,717 |
| Noninterest income to average assets | 0.8058% | 1,434 |
| Noninterest expense to average assets | 2.7199% | 2,832 |
| Loan and lease loss provision to assets | 0.1544% | 1,364 |
| Net operating income to assets | 0.8142% | 3,518 |
| Return on assets (ROA) | 0.8139% | 3,606 |
| Pretax return on assets | 1.0695% | 3,263 |
| Return on Equity (ROE) | 7.8775% | 3,214 |
| Retained earnings to average equity (ytd only) | 3.7089% | 3,140 |
| Net charge-offs to loans | -0.0049% | 4,347 |
| Credit loss provision to net charge-offs | -4,052.9412% | 4,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9127% | 2,478 |
| Assets per employee ($millions) | 5.3256% | 2,221 |
| Cash dividends to net income (ytd only)* | 52.9185% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,398 |
| Loan loss allowance to noncurrent loans | 87.4681% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1296% | 1,063 |
| Noncurrent loans to loans | 1.3799% | 1,072 |
| Net loans and leases to total assets | 76.8970% | 1,273 |
| Net loans and leases to deposits | 92.1292% | 1,353 |
| Net loans and leases to core deposits | 118.5143% | 520 |
| Total domestic deposits to total assets | 83.4665% | 3,036 |
| Equity capital to assets | 10.1878% | 3,744 |
| Core capital (leverage) ratio | 8.6987% | 4,722 |
| Tier 1 risk-based capital ratio | 10.1960% | 5,092 |
| Total risk-based capital ratio | 11.3689% | 5,059 |
| Memoranda: | ||
| Average total assets | $446,262,800 | 1,569 |
| Average earning assets | $410,538,000 | 1,585 |
| Average equity | $46,105,800 | 1,717 |
| Average total loans | $343,810,200 | 1,445 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6831% | 2,471 |
| Cost of funding earning assets | 1.2651% | 875 |
| Net interest margin | 3.4180% | 3,812 |
| Noninterest income to average assets | 0.8088% | 1,392 |
| Noninterest expense to average assets | 2.7134% | 2,827 |
| Loan and lease loss provision to assets | 0.1608% | 1,162 |
| Net operating income to assets | 0.8156% | 3,621 |
| Return on assets (ROA) | 0.8152% | 3,706 |
| Pretax return on assets | 1.0783% | 3,356 |
| Return on Equity (ROE) | 7.8604% | 3,367 |
| Retained earnings to average equity (ytd only) | 3.1313% | 3,837 |
| Net charge-offs to loans | -0.0269% | 4,666 |
| Credit loss provision to net charge-offs | -779.4118% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5802% | 2,485 |
| Assets per employee ($millions) | 4.9626% | 2,597 |
| Cash dividends to net income (ytd only)* | 60.1638% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,175 |
| Loan loss allowance to noncurrent loans | 72.4529% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.3929% | 841 |
| Noncurrent loans to loans | 1.7387% | 835 |
| Net loans and leases to total assets | 76.2501% | 1,436 |
| Net loans and leases to deposits | 89.7065% | 1,734 |
| Net loans and leases to core deposits | 111.9704% | 845 |
| Total domestic deposits to total assets | 84.9995% | 2,428 |
| Equity capital to assets | 10.4656% | 3,568 |
| Core capital (leverage) ratio | 8.5786% | 4,903 |
| Tier 1 risk-based capital ratio | 10.4692% | 5,084 |
| Total risk-based capital ratio | 11.6978% | 5,015 |
| Memoranda: | ||
| Average total assets | $439,334,250 | 1,602 |
| Average earning assets | $404,163,250 | 1,609 |
| Average equity | $45,560,250 | 1,739 |
| Average total loans | $337,531,000 | 1,477 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6831% | 2,417 |
| Cost of funding earning assets | 1.2735% | 810 |
| Net interest margin | 3.4096% | 3,866 |
| Noninterest income to average assets | 0.7553% | 1,501 |
| Noninterest expense to average assets | 2.6825% | 2,966 |
| Loan and lease loss provision to assets | 0.1456% | 1,270 |
| Net operating income to assets | 0.8052% | 3,632 |
| Return on assets (ROA) | 0.8052% | 3,692 |
| Pretax return on assets | 1.0611% | 3,347 |
| Return on Equity (ROE) | 7.7890% | 3,384 |
| Retained earnings to average equity (ytd only) | 2.8738% | 3,781 |
| Net charge-offs to loans | -0.0227% | 4,589 |
| Credit loss provision to net charge-offs | -836.8421% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8908% | 2,550 |
| Assets per employee ($millions) | 5.0422% | 2,428 |
| Cash dividends to net income (ytd only)* | 63.1040% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 2,475 |
| Loan loss allowance to noncurrent loans | 107.6903% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.9196% | 1,513 |
| Noncurrent loans to loans | 1.1232% | 1,454 |
| Net loans and leases to total assets | 76.3939% | 1,491 |
| Net loans and leases to deposits | 89.8681% | 1,756 |
| Net loans and leases to core deposits | 111.4648% | 889 |
| Total domestic deposits to total assets | 85.0066% | 2,476 |
| Equity capital to assets | 10.5244% | 3,495 |
| Core capital (leverage) ratio | 8.6007% | 4,909 |
| Tier 1 risk-based capital ratio | 10.5189% | 5,099 |
| Total risk-based capital ratio | 11.6994% | 5,041 |
| Memoranda: | ||
| Average total assets | $436,901,330 | 1,603 |
| Average earning assets | $401,573,670 | 1,624 |
| Average equity | $45,166,000 | 1,746 |
| Average total loans | $335,073,670 | 1,491 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6174% | 2,475 |
| Cost of funding earning assets | 1.2569% | 751 |
| Net interest margin | 3.3605% | 4,007 |
| Noninterest income to average assets | 0.5917% | 2,084 |
| Noninterest expense to average assets | 2.6568% | 3,038 |
| Loan and lease loss provision to assets | 0.1459% | 1,164 |
| Net operating income to assets | 0.6725% | 4,018 |
| Return on assets (ROA) | 0.6725% | 4,056 |
| Pretax return on assets | 0.8770% | 3,835 |
| Return on Equity (ROE) | 6.5644% | 3,816 |
| Retained earnings to average equity (ytd only) | 2.4986% | 3,926 |
| Net charge-offs to loans | 0.0048% | 2,534 |
| Credit loss provision to net charge-offs | 3,975.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 278.7500% | 292 |
| Efficiency ratio | 71.0546% | 2,178 |
| Assets per employee ($millions) | 5.0254% | 2,485 |
| Cash dividends to net income (ytd only)* | 61.9372% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 2,793 |
| Loan loss allowance to noncurrent loans | 169.6522% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.6191% | 2,219 |
| Noncurrent loans to loans | 0.6836% | 2,308 |
| Net loans and leases to total assets | 75.1934% | 1,611 |
| Net loans and leases to deposits | 88.5618% | 1,800 |
| Net loans and leases to core deposits | 111.8158% | 841 |
| Total domestic deposits to total assets | 84.9050% | 2,714 |
| Equity capital to assets | 10.1955% | 3,626 |
| Core capital (leverage) ratio | 8.5755% | 4,964 |
| Tier 1 risk-based capital ratio | 10.2199% | 5,240 |
| Total risk-based capital ratio | 11.3233% | 5,225 |
| Memoranda: | ||
| Average total assets | $436,015,000 | 1,612 |
| Average earning assets | $400,654,500 | 1,633 |
| Average equity | $44,665,000 | 1,746 |
| Average total loans | $332,999,000 | 1,506 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 2,903 |
| Cost of funding earning assets | 1.0332% | 659 |
| Net interest margin | 3.3250% | 4,194 |
| Noninterest income to average assets | 0.7369% | 1,701 |
| Noninterest expense to average assets | 2.7372% | 2,905 |
| Loan and lease loss provision to assets | 0.0963% | 2,236 |
| Net operating income to assets | 0.7359% | 4,020 |
| Return on assets (ROA) | 0.7364% | 4,019 |
| Pretax return on assets | 0.9396% | 3,787 |
| Return on Equity (ROE) | 7.0124% | 3,815 |
| Retained earnings to average equity (ytd only) | 1.9164% | 4,381 |
| Net charge-offs to loans | 0.0186% | 3,077 |
| Credit loss provision to net charge-offs | 689.6552% | 503 |
| Earnings coverage of net charge-offs (x) | 74.1379% | 902 |
| Efficiency ratio | 71.1295% | 2,025 |
| Assets per employee ($millions) | 4.7230% | 2,840 |
| Cash dividends to net income (ytd only)* | 72.6708% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 2,891 |
| Loan loss allowance to noncurrent loans | 135.1732% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 1,987 |
| Noncurrent loans to loans | 0.8411% | 1,919 |
| Net loans and leases to total assets | 75.8076% | 1,647 |
| Net loans and leases to deposits | 88.4789% | 1,993 |
| Net loans and leases to core deposits | 115.4727% | 708 |
| Total domestic deposits to total assets | 85.6788% | 2,369 |
| Equity capital to assets | 10.2937% | 3,382 |
| Core capital (leverage) ratio | 8.5464% | 5,003 |
| Tier 1 risk-based capital ratio | 10.6187% | 5,137 |
| Total risk-based capital ratio | 11.7296% | 5,084 |
| Memoranda: | ||
| Average total assets | $415,386,800 | 1,652 |
| Average earning assets | $379,221,600 | 1,676 |
| Average equity | $43,622,600 | 1,713 |
| Average total loans | $311,776,800 | 1,547 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 3,040 |
| Cost of funding earning assets | 0.9556% | 729 |
| Net interest margin | 3.3236% | 4,214 |
| Noninterest income to average assets | 0.7661% | 1,600 |
| Noninterest expense to average assets | 2.7927% | 2,660 |
| Loan and lease loss provision to assets | 0.0874% | 2,224 |
| Net operating income to assets | 0.7061% | 4,203 |
| Return on assets (ROA) | 0.7068% | 4,212 |
| Pretax return on assets | 0.9173% | 3,955 |
| Return on Equity (ROE) | 6.6960% | 4,037 |
| Retained earnings to average equity (ytd only) | 1.4324% | 4,744 |
| Net charge-offs to loans | -0.0100% | 4,400 |
| Credit loss provision to net charge-offs | -1,173.9130% | 4,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1279% | 1,861 |
| Assets per employee ($millions) | 4.6113% | 2,967 |
| Cash dividends to net income (ytd only)* | 78.6074% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 2,847 |
| Loan loss allowance to noncurrent loans | 187.3354% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5031% | 2,694 |
| Noncurrent loans to loans | 0.6187% | 2,540 |
| Net loans and leases to total assets | 75.1503% | 1,789 |
| Net loans and leases to deposits | 87.6097% | 2,200 |
| Net loans and leases to core deposits | 116.5630% | 692 |
| Total domestic deposits to total assets | 85.7784% | 2,291 |
| Equity capital to assets | 10.3191% | 3,312 |
| Core capital (leverage) ratio | 8.6714% | 4,979 |
| Tier 1 risk-based capital ratio | 10.6675% | 5,187 |
| Total risk-based capital ratio | 11.7822% | 5,148 |
| Memoranda: | ||
| Average total assets | $411,784,250 | 1,670 |
| Average earning assets | $375,452,250 | 1,701 |
| Average equity | $43,467,750 | 1,720 |
| Average total loans | $307,329,500 | 1,568 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1967% | 3,119 |
| Cost of funding earning assets | 0.8810% | 790 |
| Net interest margin | 3.3157% | 4,208 |
| Noninterest income to average assets | 0.7537% | 1,632 |
| Noninterest expense to average assets | 2.7729% | 2,750 |
| Loan and lease loss provision to assets | 0.1198% | 1,650 |
| Net operating income to assets | 0.6784% | 4,253 |
| Return on assets (ROA) | 0.6784% | 4,260 |
| Pretax return on assets | 0.8798% | 4,025 |
| Return on Equity (ROE) | 6.3782% | 4,107 |
| Retained earnings to average equity (ytd only) | 0.8180% | 4,800 |
| Net charge-offs to loans | -0.0138% | 4,430 |
| Credit loss provision to net charge-offs | -1,166.6667% | 4,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0523% | 2,005 |
| Assets per employee ($millions) | 4.4583% | 3,189 |
| Cash dividends to net income (ytd only)* | 87.1758% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 2,810 |
| Loan loss allowance to noncurrent loans | 270.1251% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 3,280 |
| Noncurrent loans to loans | 0.4386% | 3,121 |
| Net loans and leases to total assets | 74.6538% | 1,842 |
| Net loans and leases to deposits | 87.5421% | 2,161 |
| Net loans and leases to core deposits | 116.2105% | 706 |
| Total domestic deposits to total assets | 85.2776% | 2,571 |
| Equity capital to assets | 10.5626% | 3,061 |
| Core capital (leverage) ratio | 8.7501% | 4,929 |
| Tier 1 risk-based capital ratio | 10.5548% | 5,249 |
| Total risk-based capital ratio | 11.6603% | 5,214 |
| Memoranda: | ||
| Average total assets | $409,169,000 | 1,682 |
| Average earning assets | $372,529,670 | 1,718 |
| Average equity | $43,523,000 | 1,722 |
| Average total loans | $303,422,330 | 1,583 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1128% | 3,194 |
| Cost of funding earning assets | 0.8047% | 932 |
| Net interest margin | 3.3081% | 4,167 |
| Noninterest income to average assets | 0.6649% | 1,981 |
| Noninterest expense to average assets | 2.7471% | 2,882 |
| Loan and lease loss provision to assets | 0.1460% | 1,273 |
| Net operating income to assets | 0.6026% | 4,419 |
| Return on assets (ROA) | 0.6026% | 4,426 |
| Pretax return on assets | 0.7651% | 4,239 |
| Return on Equity (ROE) | 5.6760% | 4,255 |
| Retained earnings to average equity (ytd only) | 1.5130% | 4,482 |
| Net charge-offs to loans | -0.0227% | 4,618 |
| Credit loss provision to net charge-offs | -882.3529% | 4,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6030% | 1,948 |
| Assets per employee ($millions) | 4.4973% | 3,166 |
| Cash dividends to net income (ytd only)* | 73.3441% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 2,943 |
| Loan loss allowance to noncurrent loans | 157.3568% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 2,584 |
| Noncurrent loans to loans | 0.7491% | 2,337 |
| Net loans and leases to total assets | 72.3732% | 2,113 |
| Net loans and leases to deposits | 84.8222% | 2,309 |
| Net loans and leases to core deposits | 118.6798% | 626 |
| Total domestic deposits to total assets | 85.3234% | 2,820 |
| Equity capital to assets | 10.4693% | 3,109 |
| Core capital (leverage) ratio | 8.7189% | 4,974 |
| Tier 1 risk-based capital ratio | 10.8683% | 5,208 |
| Total risk-based capital ratio | 11.9782% | 5,165 |
| Memoranda: | ||
| Average total assets | $410,903,500 | 1,686 |
| Average earning assets | $371,818,500 | 1,733 |
| Average equity | $43,622,500 | 1,721 |
| Average total loans | $300,196,500 | 1,601 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0734% | 3,159 |
| Cost of funding earning assets | 0.6436% | 1,337 |
| Net interest margin | 3.4298% | 3,754 |
| Noninterest income to average assets | 0.7198% | 1,887 |
| Noninterest expense to average assets | 2.6894% | 3,162 |
| Loan and lease loss provision to assets | 0.0917% | 2,363 |
| Net operating income to assets | 0.7731% | 3,285 |
| Return on assets (ROA) | 0.7780% | 3,298 |
| Pretax return on assets | 1.0444% | 3,400 |
| Return on Equity (ROE) | 6.7690% | 3,403 |
| Retained earnings to average equity (ytd only) | 2.4610% | 3,860 |
| Net charge-offs to loans | 0.0208% | 3,412 |
| Credit loss provision to net charge-offs | 598.2759% | 547 |
| Earnings coverage of net charge-offs (x) | 73.6724% | 816 |
| Efficiency ratio | 68.5956% | 2,779 |
| Assets per employee ($millions) | 4.7438% | 2,806 |
| Cash dividends to net income (ytd only)* | 63.6425% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 2,929 |
| Loan loss allowance to noncurrent loans | 129.7026% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6929% | 2,242 |
| Noncurrent loans to loans | 0.9046% | 1,969 |
| Net loans and leases to total assets | 72.0361% | 2,228 |
| Net loans and leases to deposits | 82.5998% | 2,656 |
| Net loans and leases to core deposits | 116.1950% | 712 |
| Total domestic deposits to total assets | 87.2110% | 1,895 |
| Equity capital to assets | 10.7469% | 2,899 |
| Core capital (leverage) ratio | 8.8593% | 4,800 |
| Tier 1 risk-based capital ratio | 11.1250% | 5,076 |
| Total risk-based capital ratio | 12.2396% | 5,030 |
| Memoranda: | ||
| Average total assets | $378,300,000 | 1,793 |
| Average earning assets | $341,831,200 | 1,828 |
| Average equity | $43,477,400 | 1,708 |
| Average total loans | $279,372,400 | 1,661 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0209% | 3,275 |
| Cost of funding earning assets | 0.5946% | 1,566 |
| Net interest margin | 3.4263% | 3,753 |
| Noninterest income to average assets | 0.8664% | 1,383 |
| Noninterest expense to average assets | 2.8231% | 2,650 |
| Loan and lease loss provision to assets | 0.0719% | 2,638 |
| Net operating income to assets | 0.7012% | 3,974 |
| Return on assets (ROA) | 0.7035% | 4,026 |
| Pretax return on assets | 1.0677% | 3,430 |
| Return on Equity (ROE) | 6.0141% | 4,120 |
| Retained earnings to average equity (ytd only) | 1.8162% | 4,703 |
| Net charge-offs to loans | -0.0082% | 4,579 |
| Credit loss provision to net charge-offs | -1,176.4706% | 4,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5088% | 2,619 |
| Assets per employee ($millions) | 4.4999% | 3,146 |
| Cash dividends to net income (ytd only)* | 69.8007% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,919 |
| Loan loss allowance to noncurrent loans | 68.0271% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.2830% | 1,258 |
| Noncurrent loans to loans | 1.7685% | 1,019 |
| Net loans and leases to total assets | 71.6783% | 2,303 |
| Net loans and leases to deposits | 86.4564% | 2,244 |
| Net loans and leases to core deposits | 115.7237% | 756 |
| Total domestic deposits to total assets | 82.9069% | 3,486 |
| Equity capital to assets | 11.1867% | 2,687 |
| Core capital (leverage) ratio | 9.2067% | 4,512 |
| Tier 1 risk-based capital ratio | 11.6682% | 4,842 |
| Total risk-based capital ratio | 12.8309% | 4,788 |
| Memoranda: | ||
| Average total assets | $370,882,750 | 1,842 |
| Average earning assets | $334,777,750 | 1,880 |
| Average equity | $43,385,750 | 1,727 |
| Average total loans | $274,872,000 | 1,691 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 3,265 |
| Cost of funding earning assets | 0.5477% | 1,795 |
| Net interest margin | 3.4356% | 3,645 |
| Noninterest income to average assets | 0.8461% | 1,423 |
| Noninterest expense to average assets | 2.8845% | 2,475 |
| Loan and lease loss provision to assets | 0.0659% | 2,651 |
| Net operating income to assets | 0.6412% | 4,124 |
| Return on assets (ROA) | 0.6412% | 4,170 |
| Pretax return on assets | 0.9906% | 3,602 |
| Return on Equity (ROE) | 5.3966% | 4,314 |
| Retained earnings to average equity (ytd only) | 1.1885% | 4,767 |
| Net charge-offs to loans | -0.0110% | 4,575 |
| Credit loss provision to net charge-offs | -800.0000% | 4,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3509% | 2,461 |
| Assets per employee ($millions) | 4.1912% | 3,640 |
| Cash dividends to net income (ytd only)* | 77.9777% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,771 |
| Loan loss allowance to noncurrent loans | 123.9777% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.7293% | 2,380 |
| Noncurrent loans to loans | 0.9984% | 1,967 |
| Net loans and leases to total assets | 72.1470% | 2,180 |
| Net loans and leases to deposits | 89.2052% | 1,837 |
| Net loans and leases to core deposits | 106.4502% | 1,194 |
| Total domestic deposits to total assets | 80.8776% | 4,209 |
| Equity capital to assets | 11.8215% | 2,064 |
| Core capital (leverage) ratio | 9.7171% | 3,876 |
| Tier 1 risk-based capital ratio | 12.4169% | 4,346 |
| Total risk-based capital ratio | 13.6383% | 4,248 |
| Memoranda: | ||
| Average total assets | $364,013,000 | 1,871 |
| Average earning assets | $327,918,000 | 1,919 |
| Average equity | $43,249,330 | 1,728 |
| Average total loans | $271,818,670 | 1,708 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 3,082 |
| Cost of funding earning assets | 0.5222% | 1,926 |
| Net interest margin | 3.4659% | 3,402 |
| Noninterest income to average assets | 0.7998% | 1,551 |
| Noninterest expense to average assets | 2.9093% | 2,432 |
| Loan and lease loss provision to assets | 0.1327% | 1,439 |
| Net operating income to assets | 0.5741% | 4,261 |
| Return on assets (ROA) | 0.5741% | 4,306 |
| Pretax return on assets | 0.8783% | 3,837 |
| Return on Equity (ROE) | 4.8197% | 4,470 |
| Retained earnings to average equity (ytd only) | 0.6036% | 4,776 |
| Net charge-offs to loans | -0.0088% | 4,370 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3476% | 2,513 |
| Assets per employee ($millions) | 4.1666% | 3,729 |
| Cash dividends to net income (ytd only)* | 87.4759% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,970 |
| Loan loss allowance to noncurrent loans | 150.2258% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 2,807 |
| Noncurrent loans to loans | 0.8152% | 2,411 |
| Net loans and leases to total assets | 74.0088% | 1,743 |
| Net loans and leases to deposits | 88.5545% | 1,725 |
| Net loans and leases to core deposits | 109.8281% | 887 |
| Total domestic deposits to total assets | 83.5743% | 3,632 |
| Equity capital to assets | 11.8946% | 1,910 |
| Core capital (leverage) ratio | 9.6325% | 3,953 |
| Tier 1 risk-based capital ratio | 12.2927% | 4,510 |
| Total risk-based capital ratio | 13.5074% | 4,441 |
| Memoranda: | ||
| Average total assets | $361,605,000 | 1,889 |
| Average earning assets | $325,574,000 | 1,938 |
| Average equity | $43,073,500 | 1,735 |
| Average total loans | $273,011,000 | 1,713 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1234% | 2,759 |
| Cost of funding earning assets | 0.5236% | 1,911 |
| Net interest margin | 3.5997% | 3,064 |
| Noninterest income to average assets | 1.0204% | 1,086 |
| Noninterest expense to average assets | 2.9584% | 2,469 |
| Loan and lease loss provision to assets | 0.1352% | 1,846 |
| Net operating income to assets | 0.7374% | 3,604 |
| Return on assets (ROA) | 0.7374% | 3,715 |
| Pretax return on assets | 1.1672% | 2,819 |
| Return on Equity (ROE) | 6.5558% | 3,715 |
| Retained earnings to average equity (ytd only) | 3.6527% | 3,320 |
| Net charge-offs to loans | 0.0351% | 3,322 |
| Credit loss provision to net charge-offs | 505.4348% | 654 |
| Earnings coverage of net charge-offs (x) | 48.6848% | 1,027 |
| Efficiency ratio | 67.3582% | 3,375 |
| Assets per employee ($millions) | 4.3460% | 3,366 |
| Cash dividends to net income (ytd only)* | 44.2823% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 3,329 |
| Loan loss allowance to noncurrent loans | 147.3297% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 2,919 |
| Noncurrent loans to loans | 0.7915% | 2,537 |
| Net loans and leases to total assets | 75.1889% | 1,657 |
| Net loans and leases to deposits | 89.3888% | 1,752 |
| Net loans and leases to core deposits | 116.7944% | 583 |
| Total domestic deposits to total assets | 84.1145% | 3,385 |
| Equity capital to assets | 11.9290% | 1,858 |
| Core capital (leverage) ratio | 9.7642% | 3,789 |
| Tier 1 risk-based capital ratio | 11.7128% | 4,917 |
| Total risk-based capital ratio | 12.8237% | 4,912 |
| Memoranda: | ||
| Average total assets | $343,899,600 | 1,928 |
| Average earning assets | $309,577,800 | 1,979 |
| Average equity | $38,683,200 | 1,901 |
| Average total loans | $262,109,400 | 1,720 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1385% | 2,725 |
| Cost of funding earning assets | 0.5253% | 1,906 |
| Net interest margin | 3.6132% | 3,019 |
| Noninterest income to average assets | 0.8651% | 1,532 |
| Noninterest expense to average assets | 2.8825% | 2,693 |
| Loan and lease loss provision to assets | 0.1252% | 1,861 |
| Net operating income to assets | 0.7053% | 3,813 |
| Return on assets (ROA) | 0.7053% | 3,948 |
| Pretax return on assets | 1.1080% | 3,200 |
| Return on Equity (ROE) | 6.3728% | 3,894 |
| Retained earnings to average equity (ytd only) | 3.4470% | 3,831 |
| Net charge-offs to loans | 0.0551% | 2,573 |
| Credit loss provision to net charge-offs | 298.1308% | 1,043 |
| Earnings coverage of net charge-offs (x) | 29.3651% | 1,510 |
| Efficiency ratio | 67.8619% | 3,246 |
| Assets per employee ($millions) | 4.4617% | 3,147 |
| Cash dividends to net income (ytd only)* | 45.9097% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 3,495 |
| Loan loss allowance to noncurrent loans | 184.6294% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 3,078 |
| Noncurrent loans to loans | 0.6274% | 3,130 |
| Net loans and leases to total assets | 75.4825% | 1,614 |
| Net loans and leases to deposits | 91.7781% | 1,525 |
| Net loans and leases to core deposits | 117.8931% | 577 |
| Total domestic deposits to total assets | 82.2445% | 3,861 |
| Equity capital to assets | 12.2203% | 1,970 |
| Core capital (leverage) ratio | 9.5956% | 4,063 |
| Tier 1 risk-based capital ratio | 12.6672% | 4,360 |
| Total risk-based capital ratio | 13.8607% | 4,307 |
| Memoranda: | ||
| Average total assets | $339,695,000 | 1,954 |
| Average earning assets | $305,612,250 | 2,011 |
| Average equity | $37,596,500 | 1,957 |
| Average total loans | $259,031,750 | 1,742 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 2,733 |
| Cost of funding earning assets | 0.5227% | 1,922 |
| Net interest margin | 3.6122% | 3,050 |
| Noninterest income to average assets | 0.8581% | 1,517 |
| Noninterest expense to average assets | 2.8841% | 2,729 |
| Loan and lease loss provision to assets | 0.1543% | 1,482 |
| Net operating income to assets | 0.6856% | 3,869 |
| Return on assets (ROA) | 0.6856% | 4,014 |
| Pretax return on assets | 1.0709% | 3,322 |
| Return on Equity (ROE) | 6.4205% | 3,841 |
| Retained earnings to average equity (ytd only) | 2.9612% | 4,033 |
| Net charge-offs to loans | 0.0729% | 2,140 |
| Credit loss provision to net charge-offs | 277.6596% | 1,017 |
| Earnings coverage of net charge-offs (x) | 22.0532% | 1,644 |
| Efficiency ratio | 67.9994% | 3,346 |
| Assets per employee ($millions) | 4.3355% | 3,315 |
| Cash dividends to net income (ytd only)* | 53.8793% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 3,812 |
| Loan loss allowance to noncurrent loans | 55.2806% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 1.7372% | 1,020 |
| Noncurrent loans to loans | 2.0342% | 970 |
| Net loans and leases to total assets | 76.8623% | 1,360 |
| Net loans and leases to deposits | 93.6234% | 1,320 |
| Net loans and leases to core deposits | 118.0712% | 568 |
| Total domestic deposits to total assets | 82.0973% | 3,976 |
| Equity capital to assets | 10.6776% | 3,430 |
| Core capital (leverage) ratio | 8.0283% | 5,710 |
| Tier 1 risk-based capital ratio | 10.4374% | 5,697 |
| Total risk-based capital ratio | 11.6056% | 5,655 |
| Memoranda: | ||
| Average total assets | $338,410,000 | 1,971 |
| Average earning assets | $304,575,670 | 2,024 |
| Average equity | $36,134,330 | 2,031 |
| Average total loans | $257,922,670 | 1,752 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0635% | 2,989 |
| Cost of funding earning assets | 0.5172% | 1,970 |
| Net interest margin | 3.5463% | 3,300 |
| Noninterest income to average assets | 0.8431% | 1,463 |
| Noninterest expense to average assets | 2.8255% | 2,974 |
| Loan and lease loss provision to assets | 0.2414% | 746 |
| Net operating income to assets | 0.6196% | 4,097 |
| Return on assets (ROA) | 0.6196% | 4,216 |
| Pretax return on assets | 0.9644% | 3,598 |
| Return on Equity (ROE) | 5.8024% | 4,079 |
| Retained earnings to average equity (ytd only) | 1.0692% | 4,810 |
| Net charge-offs to loans | 0.1561% | 1,190 |
| Credit loss provision to net charge-offs | 205.0505% | 1,062 |
| Earnings coverage of net charge-offs (x) | 10.2424% | 1,934 |
| Efficiency ratio | 67.8466% | 3,487 |
| Assets per employee ($millions) | 4.5435% | 2,993 |
| Cash dividends to net income (ytd only)* | 81.5739% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 3,808 |
| Loan loss allowance to noncurrent loans | 290.1980% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5514% | 3,412 |
| Noncurrent loans to loans | 0.3942% | 4,025 |
| Net loans and leases to total assets | 74.3213% | 1,683 |
| Net loans and leases to deposits | 88.4361% | 1,781 |
| Net loans and leases to core deposits | 115.6572% | 606 |
| Total domestic deposits to total assets | 84.0395% | 3,504 |
| Equity capital to assets | 10.5804% | 3,390 |
| Core capital (leverage) ratio | 8.0906% | 5,727 |
| Tier 1 risk-based capital ratio | 10.5956% | 5,714 |
| Total risk-based capital ratio | 11.7780% | 5,644 |
| Memoranda: | ||
| Average total assets | $336,364,500 | 1,992 |
| Average earning assets | $302,402,000 | 2,045 |
| Average equity | $35,916,000 | 2,039 |
| Average total loans | $253,760,000 | 1,773 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 3,433 |
| Cost of funding earning assets | 0.4516% | 2,608 |
| Net interest margin | 3.5174% | 3,461 |
| Noninterest income to average assets | 1.0364% | 1,102 |
| Noninterest expense to average assets | 2.9217% | 2,791 |
| Loan and lease loss provision to assets | 0.1647% | 1,395 |
| Net operating income to assets | 0.7070% | 3,775 |
| Return on assets (ROA) | 0.7070% | 3,886 |
| Pretax return on assets | 1.1099% | 3,001 |
| Return on Equity (ROE) | 6.4028% | 3,839 |
| Retained earnings to average equity (ytd only) | 2.7794% | 4,098 |
| Net charge-offs to loans | 0.0955% | 2,468 |
| Credit loss provision to net charge-offs | 234.3750% | 1,219 |
| Earnings coverage of net charge-offs (x) | 18.1339% | 2,028 |
| Efficiency ratio | 67.0455% | 3,738 |
| Assets per employee ($millions) | 4.2560% | 3,476 |
| Cash dividends to net income (ytd only)* | 56.5912% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 3,900 |
| Loan loss allowance to noncurrent loans | 176.5771% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 2,793 |
| Noncurrent loans to loans | 0.6370% | 3,278 |
| Net loans and leases to total assets | 74.8578% | 1,592 |
| Net loans and leases to deposits | 88.4381% | 1,817 |
| Net loans and leases to core deposits | 117.5816% | 555 |
| Total domestic deposits to total assets | 84.6443% | 3,239 |
| Equity capital to assets | 10.7775% | 3,049 |
| Core capital (leverage) ratio | 8.2523% | 5,643 |
| Tier 1 risk-based capital ratio | 10.8988% | 5,574 |
| Total risk-based capital ratio | 12.0665% | 5,525 |
| Memoranda: | ||
| Average total assets | $318,686,400 | 2,052 |
| Average earning assets | $286,293,600 | 2,094 |
| Average equity | $35,187,800 | 2,031 |
| Average total loans | $234,604,400 | 1,840 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 3,594 |
| Cost of funding earning assets | 0.4441% | 2,745 |
| Net interest margin | 3.4934% | 3,563 |
| Noninterest income to average assets | 1.0544% | 1,074 |
| Noninterest expense to average assets | 2.9434% | 2,696 |
| Loan and lease loss provision to assets | 0.1628% | 1,310 |
| Net operating income to assets | 0.6929% | 3,930 |
| Return on assets (ROA) | 0.6929% | 4,040 |
| Pretax return on assets | 1.0878% | 3,277 |
| Return on Equity (ROE) | 6.2365% | 4,035 |
| Retained earnings to average equity (ytd only) | 2.6217% | 4,540 |
| Net charge-offs to loans | 0.1221% | 1,903 |
| Credit loss provision to net charge-offs | 182.4645% | 1,453 |
| Earnings coverage of net charge-offs (x) | 14.0188% | 2,275 |
| Efficiency ratio | 67.5706% | 3,618 |
| Assets per employee ($millions) | 4.3667% | 3,221 |
| Cash dividends to net income (ytd only)* | 57.9624% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 4,090 |
| Loan loss allowance to noncurrent loans | 178.4534% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 3,870 |
| Noncurrent loans to loans | 0.6301% | 3,428 |
| Net loans and leases to total assets | 71.5357% | 2,136 |
| Net loans and leases to deposits | 88.2379% | 1,869 |
| Net loans and leases to core deposits | 110.8220% | 831 |
| Total domestic deposits to total assets | 81.0714% | 4,456 |
| Equity capital to assets | 10.7181% | 3,340 |
| Core capital (leverage) ratio | 8.2210% | 5,758 |
| Tier 1 risk-based capital ratio | 11.3817% | 5,439 |
| Total risk-based capital ratio | 12.5608% | 5,387 |
| Memoranda: | ||
| Average total assets | $315,366,000 | 2,085 |
| Average earning assets | $283,422,250 | 2,128 |
| Average equity | $35,040,250 | 2,052 |
| Average total loans | $230,422,750 | 1,875 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8304% | 3,954 |
| Cost of funding earning assets | 0.4454% | 2,778 |
| Net interest margin | 3.3849% | 3,948 |
| Noninterest income to average assets | 0.9972% | 1,190 |
| Noninterest expense to average assets | 2.9723% | 2,643 |
| Loan and lease loss provision to assets | 0.1226% | 1,799 |
| Net operating income to assets | 0.6099% | 4,294 |
| Return on assets (ROA) | 0.6099% | 4,411 |
| Pretax return on assets | 0.9385% | 3,817 |
| Return on Equity (ROE) | 5.4211% | 4,417 |
| Retained earnings to average equity (ytd only) | 0.5450% | 5,334 |
| Net charge-offs to loans | 0.1215% | 1,795 |
| Credit loss provision to net charge-offs | 137.6812% | 1,627 |
| Earnings coverage of net charge-offs (x) | 11.9130% | 2,252 |
| Efficiency ratio | 70.9394% | 3,168 |
| Assets per employee ($millions) | 4.0353% | 3,809 |
| Cash dividends to net income (ytd only)* | 89.9471% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 4,272 |
| Loan loss allowance to noncurrent loans | 166.2153% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 3,860 |
| Noncurrent loans to loans | 0.6678% | 3,476 |
| Net loans and leases to total assets | 72.9668% | 1,829 |
| Net loans and leases to deposits | 89.7509% | 1,631 |
| Net loans and leases to core deposits | 107.6222% | 981 |
| Total domestic deposits to total assets | 81.2992% | 4,516 |
| Equity capital to assets | 11.0990% | 2,780 |
| Core capital (leverage) ratio | 8.5848% | 5,457 |
| Tier 1 risk-based capital ratio | 11.3359% | 5,556 |
| Total risk-based capital ratio | 12.4849% | 5,531 |
| Memoranda: | ||
| Average total assets | $309,865,330 | 2,123 |
| Average earning assets | $277,937,670 | 2,179 |
| Average equity | $34,863,670 | 2,066 |
| Average total loans | $227,195,670 | 1,904 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 4,075 |
| Cost of funding earning assets | 0.4502% | 2,766 |
| Net interest margin | 3.3344% | 4,083 |
| Noninterest income to average assets | 0.9277% | 1,310 |
| Noninterest expense to average assets | 2.9523% | 2,728 |
| Loan and lease loss provision to assets | 0.1431% | 1,427 |
| Net operating income to assets | 0.5348% | 4,528 |
| Return on assets (ROA) | 0.5348% | 4,644 |
| Pretax return on assets | 0.8197% | 4,171 |
| Return on Equity (ROE) | 4.7203% | 4,654 |
| Retained earnings to average equity (ytd only) | 0.1263% | 5,334 |
| Net charge-offs to loans | 0.2831% | 850 |
| Credit loss provision to net charge-offs | 69.1824% | 1,923 |
| Earnings coverage of net charge-offs (x) | 4.6541% | 2,462 |
| Efficiency ratio | 72.5490% | 3,079 |
| Assets per employee ($millions) | 3.5242% | 4,852 |
| Cash dividends to net income (ytd only)* | 97.3236% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 4,408 |
| Loan loss allowance to noncurrent loans | 145.4492% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.6216% | 3,625 |
| Noncurrent loans to loans | 0.7718% | 3,324 |
| Net loans and leases to total assets | 71.9818% | 1,803 |
| Net loans and leases to deposits | 90.5291% | 1,335 |
| Net loans and leases to core deposits | 106.8273% | 886 |
| Total domestic deposits to total assets | 79.5123% | 5,169 |
| Equity capital to assets | 11.5146% | 2,450 |
| Core capital (leverage) ratio | 8.7010% | 5,327 |
| Tier 1 risk-based capital ratio | 11.7572% | 5,403 |
| Total risk-based capital ratio | 12.9022% | 5,370 |
| Memoranda: | ||
| Average total assets | $307,419,500 | 2,146 |
| Average earning assets | $275,435,500 | 2,210 |
| Average equity | $34,828,000 | 2,077 |
| Average total loans | $224,670,500 | 1,915 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9172% | 4,063 |
| Cost of funding earning assets | 0.4460% | 3,210 |
| Net interest margin | 3.4712% | 3,894 |
| Noninterest income to average assets | 0.9237% | 1,429 |
| Noninterest expense to average assets | 2.8448% | 3,324 |
| Loan and lease loss provision to assets | 0.1879% | 1,364 |
| Net operating income to assets | 0.6444% | 4,172 |
| Return on assets (ROA) | 0.6717% | 4,135 |
| Pretax return on assets | 1.0492% | 3,308 |
| Return on Equity (ROE) | 5.7803% | 4,268 |
| Retained earnings to average equity (ytd only) | 3.0662% | 4,060 |
| Net charge-offs to loans | 0.2291% | 1,835 |
| Credit loss provision to net charge-offs | 112.6789% | 2,108 |
| Earnings coverage of net charge-offs (x) | 7.1636% | 3,077 |
| Efficiency ratio | 67.1788% | 4,031 |
| Assets per employee ($millions) | 4.2706% | 3,418 |
| Cash dividends to net income (ytd only)* | 46.9543% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 4,520 |
| Loan loss allowance to noncurrent loans | 124.1888% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 3,577 |
| Noncurrent loans to loans | 0.8894% | 3,093 |
| Net loans and leases to total assets | 72.5482% | 1,822 |
| Net loans and leases to deposits | 92.1575% | 1,272 |
| Net loans and leases to core deposits | 109.9203% | 781 |
| Total domestic deposits to total assets | 78.7220% | 5,304 |
| Equity capital to assets | 11.1489% | 2,752 |
| Core capital (leverage) ratio | 8.3305% | 5,749 |
| Tier 1 risk-based capital ratio | 10.5393% | 6,085 |
| Total risk-based capital ratio | 11.6336% | 6,094 |
| Memoranda: | ||
| Average total assets | $293,275,200 | 2,190 |
| Average earning assets | $263,226,800 | 2,249 |
| Average equity | $34,081,000 | 2,046 |
| Average total loans | $213,481,400 | 1,949 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9088% | 4,145 |
| Cost of funding earning assets | 0.4487% | 3,267 |
| Net interest margin | 3.4601% | 3,977 |
| Noninterest income to average assets | 0.8961% | 1,534 |
| Noninterest expense to average assets | 2.8079% | 3,432 |
| Loan and lease loss provision to assets | 0.1986% | 1,203 |
| Net operating income to assets | 0.6384% | 4,264 |
| Return on assets (ROA) | 0.6624% | 4,249 |
| Pretax return on assets | 1.0328% | 3,458 |
| Return on Equity (ROE) | 5.6380% | 4,427 |
| Retained earnings to average equity (ytd only) | 2.9841% | 4,479 |
| Net charge-offs to loans | 0.3065% | 1,296 |
| Credit loss provision to net charge-offs | 89.2116% | 2,449 |
| Earnings coverage of net charge-offs (x) | 5.3631% | 3,279 |
| Efficiency ratio | 66.8283% | 4,080 |
| Assets per employee ($millions) | 4.0079% | 3,863 |
| Cash dividends to net income (ytd only)* | 47.0713% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 4,757 |
| Loan loss allowance to noncurrent loans | 134.1491% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 3,891 |
| Noncurrent loans to loans | 0.8187% | 3,532 |
| Net loans and leases to total assets | 72.2548% | 1,801 |
| Net loans and leases to deposits | 88.7125% | 1,591 |
| Net loans and leases to core deposits | 105.1909% | 1,008 |
| Total domestic deposits to total assets | 81.4483% | 4,680 |
| Equity capital to assets | 11.4500% | 2,533 |
| Core capital (leverage) ratio | 8.3892% | 5,768 |
| Tier 1 risk-based capital ratio | 10.7445% | 6,114 |
| Total risk-based capital ratio | 11.8265% | 6,127 |
| Memoranda: | ||
| Average total assets | $288,655,500 | 2,231 |
| Average earning assets | $259,099,750 | 2,300 |
| Average equity | $33,912,000 | 2,057 |
| Average total loans | $209,677,250 | 1,987 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8318% | 4,402 |
| Cost of funding earning assets | 0.4509% | 3,322 |
| Net interest margin | 3.3809% | 4,255 |
| Noninterest income to average assets | 0.8079% | 1,806 |
| Noninterest expense to average assets | 2.7772% | 3,585 |
| Loan and lease loss provision to assets | 0.2325% | 979 |
| Net operating income to assets | 0.5405% | 4,646 |
| Return on assets (ROA) | 0.5775% | 4,569 |
| Pretax return on assets | 0.8894% | 3,925 |
| Return on Equity (ROE) | 4.8721% | 4,739 |
| Retained earnings to average equity (ytd only) | 2.2049% | 4,788 |
| Net charge-offs to loans | 0.4381% | 932 |
| Credit loss provision to net charge-offs | 73.2301% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.3540% | 3,331 |
| Efficiency ratio | 68.7329% | 3,875 |
| Assets per employee ($millions) | 3.9093% | 4,038 |
| Cash dividends to net income (ytd only)* | 54.7445% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 4,879 |
| Loan loss allowance to noncurrent loans | 161.6977% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 4,371 |
| Noncurrent loans to loans | 0.6840% | 4,006 |
| Net loans and leases to total assets | 71.4556% | 1,830 |
| Net loans and leases to deposits | 85.8923% | 1,826 |
| Net loans and leases to core deposits | 99.9442% | 1,290 |
| Total domestic deposits to total assets | 83.1921% | 4,225 |
| Equity capital to assets | 11.6168% | 2,311 |
| Core capital (leverage) ratio | 8.6118% | 5,521 |
| Tier 1 risk-based capital ratio | 10.9130% | 6,086 |
| Total risk-based capital ratio | 12.0023% | 6,104 |
| Memoranda: | ||
| Average total assets | $284,676,330 | 2,256 |
| Average earning assets | $255,490,330 | 2,313 |
| Average equity | $33,743,330 | 2,055 |
| Average total loans | $206,368,000 | 2,007 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 3,935 |
| Cost of funding earning assets | 0.4583% | 3,332 |
| Net interest margin | 3.4799% | 3,784 |
| Noninterest income to average assets | 0.6020% | 2,725 |
| Noninterest expense to average assets | 2.7530% | 3,736 |
| Loan and lease loss provision to assets | 0.4579% | 343 |
| Net operating income to assets | 0.3418% | 5,347 |
| Return on assets (ROA) | 0.3466% | 5,386 |
| Pretax return on assets | 0.5178% | 5,111 |
| Return on Equity (ROE) | 2.8941% | 5,493 |
| Retained earnings to average equity (ytd only) | 0.8099% | 5,269 |
| Net charge-offs to loans | 0.8977% | 389 |
| Credit loss provision to net charge-offs | 70.2407% | 2,001 |
| Earnings coverage of net charge-offs (x) | 1.4858% | 3,088 |
| Efficiency ratio | 70.2951% | 3,784 |
| Assets per employee ($millions) | 4.1298% | 3,664 |
| Cash dividends to net income (ytd only)* | 72.0165% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 4,915 |
| Loan loss allowance to noncurrent loans | 185.9425% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 4,524 |
| Noncurrent loans to loans | 0.6136% | 4,324 |
| Net loans and leases to total assets | 71.8282% | 1,603 |
| Net loans and leases to deposits | 85.8558% | 1,619 |
| Net loans and leases to core deposits | 98.7545% | 1,187 |
| Total domestic deposits to total assets | 83.6615% | 4,398 |
| Equity capital to assets | 11.9853% | 1,879 |
| Core capital (leverage) ratio | 8.6287% | 5,495 |
| Tier 1 risk-based capital ratio | 10.9347% | 6,178 |
| Total risk-based capital ratio | 12.0344% | 6,206 |
| Memoranda: | ||
| Average total assets | $280,416,500 | 2,299 |
| Average earning assets | $251,388,500 | 2,347 |
| Average equity | $33,585,000 | 2,054 |
| Average total loans | $203,628,000 | 2,021 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 3,699 |
| Cost of funding earning assets | 0.5208% | 3,389 |
| Net interest margin | 3.5884% | 3,511 |
| Noninterest income to average assets | 0.6990% | 2,550 |
| Noninterest expense to average assets | 2.7582% | 3,879 |
| Loan and lease loss provision to assets | 0.2127% | 1,727 |
| Net operating income to assets | 0.5707% | 4,408 |
| Return on assets (ROA) | 0.5754% | 4,495 |
| Pretax return on assets | 0.9329% | 3,629 |
| Return on Equity (ROE) | 4.6830% | 4,789 |
| Retained earnings to average equity (ytd only) | 0.8226% | 5,466 |
| Net charge-offs to loans | 0.2362% | 2,565 |
| Credit loss provision to net charge-offs | 125.6466% | 1,889 |
| Earnings coverage of net charge-offs (x) | 6.7241% | 2,998 |
| Efficiency ratio | 66.8071% | 4,405 |
| Assets per employee ($millions) | 4.0581% | 3,746 |
| Cash dividends to net income (ytd only)* | 82.4350% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 4,596 |
| Loan loss allowance to noncurrent loans | 142.7578% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 4,389 |
| Noncurrent loans to loans | 0.8493% | 3,853 |
| Net loans and leases to total assets | 71.6952% | 1,735 |
| Net loans and leases to deposits | 88.7953% | 1,376 |
| Net loans and leases to core deposits | 102.0885% | 1,018 |
| Total domestic deposits to total assets | 80.7422% | 5,257 |
| Equity capital to assets | 11.9683% | 1,826 |
| Core capital (leverage) ratio | 8.5228% | 5,642 |
| Tier 1 risk-based capital ratio | 10.9219% | 6,204 |
| Total risk-based capital ratio | 12.0937% | 6,196 |
| Memoranda: | ||
| Average total assets | $274,087,000 | 2,316 |
| Average earning assets | $244,233,600 | 2,383 |
| Average equity | $33,674,800 | 2,049 |
| Average total loans | $196,481,600 | 2,030 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 3,506 |
| Cost of funding earning assets | 0.5347% | 3,421 |
| Net interest margin | 3.6316% | 3,314 |
| Noninterest income to average assets | 0.7175% | 2,521 |
| Noninterest expense to average assets | 2.7859% | 3,709 |
| Loan and lease loss provision to assets | 0.1956% | 1,863 |
| Net operating income to assets | 0.6048% | 4,326 |
| Return on assets (ROA) | 0.6123% | 4,423 |
| Pretax return on assets | 0.9801% | 3,586 |
| Return on Equity (ROE) | 4.9511% | 4,749 |
| Retained earnings to average equity (ytd only) | 0.9965% | 5,578 |
| Net charge-offs to loans | 0.2861% | 2,111 |
| Credit loss provision to net charge-offs | 95.6938% | 2,495 |
| Earnings coverage of net charge-offs (x) | 5.6938% | 3,125 |
| Efficiency ratio | 66.5800% | 4,380 |
| Assets per employee ($millions) | 4.1112% | 3,618 |
| Cash dividends to net income (ytd only)* | 79.8723% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 4,970 |
| Loan loss allowance to noncurrent loans | 162.5000% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 4,880 |
| Noncurrent loans to loans | 0.7259% | 4,399 |
| Net loans and leases to total assets | 70.7747% | 1,824 |
| Net loans and leases to deposits | 85.7282% | 1,646 |
| Net loans and leases to core deposits | 99.1885% | 1,168 |
| Total domestic deposits to total assets | 82.5571% | 4,735 |
| Equity capital to assets | 12.1407% | 1,835 |
| Core capital (leverage) ratio | 8.7211% | 5,504 |
| Tier 1 risk-based capital ratio | 10.9878% | 6,288 |
| Total risk-based capital ratio | 12.1062% | 6,306 |
| Memoranda: | ||
| Average total assets | $272,607,250 | 2,338 |
| Average earning assets | $242,643,000 | 2,416 |
| Average equity | $33,715,500 | 2,061 |
| Average total loans | $194,798,250 | 2,051 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 3,556 |
| Cost of funding earning assets | 0.5493% | 3,421 |
| Net interest margin | 3.5969% | 3,374 |
| Noninterest income to average assets | 0.7208% | 2,545 |
| Noninterest expense to average assets | 2.7461% | 3,869 |
| Loan and lease loss provision to assets | 0.2488% | 1,501 |
| Net operating income to assets | 0.5732% | 4,428 |
| Return on assets (ROA) | 0.5846% | 4,554 |
| Pretax return on assets | 0.9298% | 3,786 |
| Return on Equity (ROE) | 4.6973% | 4,895 |
| Retained earnings to average equity (ytd only) | 1.1477% | 5,444 |
| Net charge-offs to loans | 0.4372% | 1,485 |
| Credit loss provision to net charge-offs | 79.7170% | 2,629 |
| Earnings coverage of net charge-offs (x) | 3.7193% | 3,323 |
| Efficiency ratio | 66.2898% | 4,498 |
| Assets per employee ($millions) | 3.9892% | 3,827 |
| Cash dividends to net income (ytd only)* | 75.5668% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 5,232 |
| Loan loss allowance to noncurrent loans | 148.1311% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 4,872 |
| Noncurrent loans to loans | 0.7778% | 4,359 |
| Net loans and leases to total assets | 70.4151% | 1,819 |
| Net loans and leases to deposits | 85.4389% | 1,634 |
| Net loans and leases to core deposits | 95.6422% | 1,385 |
| Total domestic deposits to total assets | 82.4157% | 4,907 |
| Equity capital to assets | 12.1968% | 1,775 |
| Core capital (leverage) ratio | 8.8061% | 5,280 |
| Tier 1 risk-based capital ratio | 11.0529% | 6,306 |
| Total risk-based capital ratio | 12.1528% | 6,348 |
| Memoranda: | ||
| Average total assets | $271,658,670 | 2,352 |
| Average earning assets | $240,654,670 | 2,441 |
| Average equity | $33,806,670 | 2,060 |
| Average total loans | $193,971,670 | 2,060 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 3,588 |
| Cost of funding earning assets | 0.5741% | 3,339 |
| Net interest margin | 3.5585% | 3,436 |
| Noninterest income to average assets | 0.7041% | 2,567 |
| Noninterest expense to average assets | 2.8785% | 3,429 |
| Loan and lease loss provision to assets | 0.1675% | 2,183 |
| Net operating income to assets | 0.5148% | 4,589 |
| Return on assets (ROA) | 0.5366% | 4,656 |
| Pretax return on assets | 0.8434% | 3,985 |
| Return on Equity (ROE) | 4.2684% | 4,961 |
| Retained earnings to average equity (ytd only) | 1.6154% | 5,178 |
| Net charge-offs to loans | 0.4707% | 1,273 |
| Credit loss provision to net charge-offs | 49.7797% | 2,605 |
| Earnings coverage of net charge-offs (x) | 2.9031% | 2,902 |
| Efficiency ratio | 70.5882% | 3,874 |
| Assets per employee ($millions) | 3.9371% | 4,085 |
| Cash dividends to net income (ytd only)* | 62.1547% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 5,305 |
| Loan loss allowance to noncurrent loans | 145.4368% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.5730% | 4,959 |
| Noncurrent loans to loans | 0.8068% | 4,510 |
| Net loans and leases to total assets | 70.1900% | 1,626 |
| Net loans and leases to deposits | 85.6483% | 1,391 |
| Net loans and leases to core deposits | 94.4353% | 1,314 |
| Total domestic deposits to total assets | 81.9514% | 5,209 |
| Equity capital to assets | 12.6807% | 1,605 |
| Core capital (leverage) ratio | 8.7198% | 5,300 |
| Tier 1 risk-based capital ratio | 11.3548% | 6,256 |
| Total risk-based capital ratio | 12.4723% | 6,282 |
| Memoranda: | ||
| Average total assets | $269,862,000 | 2,395 |
| Average earning assets | $238,974,000 | 2,482 |
| Average equity | $33,924,000 | 2,079 |
| Average total loans | $192,918,500 | 2,083 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2349% | 4,452 |
| Cost of funding earning assets | 0.6735% | 3,703 |
| Net interest margin | 3.5614% | 4,258 |
| Noninterest income to average assets | 0.8708% | 1,955 |
| Noninterest expense to average assets | 2.9588% | 3,433 |
| Loan and lease loss provision to assets | 0.1961% | 3,180 |
| Net operating income to assets | 0.6008% | 4,232 |
| Return on assets (ROA) | 0.6008% | 4,497 |
| Pretax return on assets | 0.8666% | 4,043 |
| Return on Equity (ROE) | 4.6765% | 4,844 |
| Retained earnings to average equity (ytd only) | 1.0461% | 5,352 |
| Net charge-offs to loans | 0.2680% | 3,329 |
| Credit loss provision to net charge-offs | 105.7495% | 2,815 |
| Earnings coverage of net charge-offs (x) | 5.7310% | 2,966 |
| Efficiency ratio | 69.1725% | 3,944 |
| Assets per employee ($millions) | 3.8857% | 4,187 |
| Cash dividends to net income (ytd only)* | 77.6299% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 5,118 |
| Loan loss allowance to noncurrent loans | 116.6667% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.7698% | 4,536 |
| Noncurrent loans to loans | 1.0271% | 4,150 |
| Net loans and leases to total assets | 71.0829% | 1,634 |
| Net loans and leases to deposits | 88.6007% | 1,207 |
| Net loans and leases to core deposits | 104.3061% | 774 |
| Total domestic deposits to total assets | 80.2285% | 5,605 |
| Equity capital to assets | 12.4628% | 1,738 |
| Core capital (leverage) ratio | 8.8254% | 5,141 |
| Tier 1 risk-based capital ratio | 10.9199% | 6,378 |
| Total risk-based capital ratio | 12.0615% | 6,394 |
| Memoranda: | ||
| Average total assets | $262,643,000 | 2,409 |
| Average earning assets | $232,354,200 | 2,481 |
| Average equity | $33,743,200 | 2,044 |
| Average total loans | $181,692,200 | 2,181 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 4,627 |
| Cost of funding earning assets | 0.6938% | 3,827 |
| Net interest margin | 3.5606% | 4,393 |
| Noninterest income to average assets | 0.8390% | 2,079 |
| Noninterest expense to average assets | 2.9744% | 3,329 |
| Loan and lease loss provision to assets | 0.1808% | 3,329 |
| Net operating income to assets | 0.5445% | 4,644 |
| Return on assets (ROA) | 0.5445% | 4,907 |
| Pretax return on assets | 0.8410% | 4,331 |
| Return on Equity (ROE) | 4.2051% | 5,194 |
| Retained earnings to average equity (ytd only) | 0.8426% | 5,827 |
| Net charge-offs to loans | 0.3599% | 2,659 |
| Credit loss provision to net charge-offs | 73.3888% | 3,812 |
| Earnings coverage of net charge-offs (x) | 4.1476% | 3,384 |
| Efficiency ratio | 69.9564% | 3,691 |
| Assets per employee ($millions) | 3.6537% | 4,646 |
| Cash dividends to net income (ytd only)* | 79.9626% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 5,250 |
| Loan loss allowance to noncurrent loans | 109.7793% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7899% | 4,733 |
| Noncurrent loans to loans | 1.0994% | 4,228 |
| Net loans and leases to total assets | 68.1106% | 2,278 |
| Net loans and leases to deposits | 83.5687% | 1,919 |
| Net loans and leases to core deposits | 97.2145% | 1,318 |
| Total domestic deposits to total assets | 81.5026% | 5,188 |
| Equity capital to assets | 12.8609% | 1,674 |
| Core capital (leverage) ratio | 8.8626% | 5,249 |
| Tier 1 risk-based capital ratio | 11.5084% | 6,223 |
| Total risk-based capital ratio | 12.6444% | 6,257 |
| Memoranda: | ||
| Average total assets | $260,303,250 | 2,456 |
| Average earning assets | $230,815,750 | 2,515 |
| Average equity | $33,704,250 | 2,061 |
| Average total loans | $178,192,250 | 2,255 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 4,734 |
| Cost of funding earning assets | 0.7103% | 3,936 |
| Net interest margin | 3.5455% | 4,484 |
| Noninterest income to average assets | 0.7634% | 2,359 |
| Noninterest expense to average assets | 2.9879% | 3,301 |
| Loan and lease loss provision to assets | 0.1851% | 3,250 |
| Net operating income to assets | 0.4842% | 4,892 |
| Return on assets (ROA) | 0.4842% | 5,140 |
| Pretax return on assets | 0.7348% | 4,725 |
| Return on Equity (ROE) | 3.7313% | 5,389 |
| Retained earnings to average equity (ytd only) | 1.0576% | 5,651 |
| Net charge-offs to loans | 0.5250% | 2,015 |
| Credit loss provision to net charge-offs | 51.6129% | 3,999 |
| Earnings coverage of net charge-offs (x) | 2.5656% | 3,731 |
| Efficiency ratio | 71.8627% | 3,450 |
| Assets per employee ($millions) | 3.5293% | 4,924 |
| Cash dividends to net income (ytd only)* | 71.6561% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 5,523 |
| Loan loss allowance to noncurrent loans | 113.2648% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7585% | 4,899 |
| Noncurrent loans to loans | 1.0260% | 4,461 |
| Net loans and leases to total assets | 68.1306% | 2,270 |
| Net loans and leases to deposits | 83.3627% | 1,938 |
| Net loans and leases to core deposits | 94.0828% | 1,593 |
| Total domestic deposits to total assets | 81.7279% | 5,226 |
| Equity capital to assets | 12.9127% | 1,561 |
| Core capital (leverage) ratio | 8.8575% | 5,114 |
| Tier 1 risk-based capital ratio | 11.5856% | 6,175 |
| Total risk-based capital ratio | 12.6858% | 6,232 |
| Memoranda: | ||
| Average total assets | $259,381,330 | 2,469 |
| Average earning assets | $230,036,000 | 2,524 |
| Average equity | $33,661,330 | 2,056 |
| Average total loans | $177,134,000 | 2,270 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 4,968 |
| Cost of funding earning assets | 0.7436% | 3,912 |
| Net interest margin | 3.4957% | 4,723 |
| Noninterest income to average assets | 0.6824% | 2,745 |
| Noninterest expense to average assets | 2.9665% | 3,401 |
| Loan and lease loss provision to assets | 0.1903% | 3,045 |
| Net operating income to assets | 0.4379% | 5,096 |
| Return on assets (ROA) | 0.4379% | 5,286 |
| Pretax return on assets | 0.6174% | 5,056 |
| Return on Equity (ROE) | 3.3660% | 5,565 |
| Retained earnings to average equity (ytd only) | 3.3660% | 4,551 |
| Net charge-offs to loans | 0.9335% | 1,107 |
| Credit loss provision to net charge-offs | 30.0000% | 3,623 |
| Earnings coverage of net charge-offs (x) | 1.2732% | 3,694 |
| Efficiency ratio | 73.8417% | 3,121 |
| Assets per employee ($millions) | 3.3039% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 5,699 |
| Loan loss allowance to noncurrent loans | 168.7448% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4824% | 5,652 |
| Noncurrent loans to loans | 0.6835% | 5,294 |
| Net loans and leases to total assets | 66.6545% | 2,357 |
| Net loans and leases to deposits | 81.3005% | 2,019 |
| Net loans and leases to core deposits | 92.3552% | 1,613 |
| Total domestic deposits to total assets | 81.9854% | 5,300 |
| Equity capital to assets | 12.9156% | 1,474 |
| Core capital (leverage) ratio | 8.9732% | 4,879 |
| Tier 1 risk-based capital ratio | 11.9167% | 6,020 |
| Total risk-based capital ratio | 13.0110% | 6,099 |
| Memoranda: | ||
| Average total assets | $258,487,500 | 2,489 |
| Average earning assets | $228,627,000 | 2,556 |
| Average equity | $33,630,000 | 2,062 |
| Average total loans | $175,687,000 | 2,298 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7523% | 4,018 |
| Cost of funding earning assets | 0.9386% | 3,800 |
| Net interest margin | 3.8137% | 3,753 |
| Noninterest income to average assets | 0.5502% | 3,510 |
| Noninterest expense to average assets | 2.8403% | 4,197 |
| Loan and lease loss provision to assets | 0.3078% | 3,211 |
| Net operating income to assets | 0.5230% | 4,329 |
| Return on assets (ROA) | 0.5233% | 4,535 |
| Pretax return on assets | 0.7633% | 4,106 |
| Return on Equity (ROE) | 4.0443% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.0443% | 3,314 |
| Net charge-offs to loans | 0.1557% | 4,899 |
| Credit loss provision to net charge-offs | 283.5766% | 835 |
| Earnings coverage of net charge-offs (x) | 9.8650% | 1,918 |
| Efficiency ratio | 67.4972% | 4,465 |
| Assets per employee ($millions) | 3.3242% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 4,800 |
| Loan loss allowance to noncurrent loans | 137.6708% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.6794% | 5,283 |
| Noncurrent loans to loans | 0.9597% | 4,788 |
| Net loans and leases to total assets | 67.6077% | 2,469 |
| Net loans and leases to deposits | 82.9572% | 2,073 |
| Net loans and leases to core deposits | 95.9843% | 1,491 |
| Total domestic deposits to total assets | 81.4971% | 5,293 |
| Equity capital to assets | 13.1069% | 1,438 |
| Core capital (leverage) ratio | 8.9079% | 4,922 |
| Tier 1 risk-based capital ratio | 11.7623% | 5,983 |
| Total risk-based capital ratio | 13.0178% | 5,966 |
| Memoranda: | ||
| Average total assets | $252,440,800 | 2,495 |
| Average earning assets | $222,459,800 | 2,584 |
| Average equity | $32,663,200 | 2,039 |
| Average total loans | $176,008,000 | 2,308 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 4,175 |
| Cost of funding earning assets | 0.9841% | 3,790 |
| Net interest margin | 3.7794% | 3,972 |
| Noninterest income to average assets | 0.5115% | 3,785 |
| Noninterest expense to average assets | 2.8160% | 4,278 |
| Loan and lease loss provision to assets | 0.3800% | 2,580 |
| Net operating income to assets | 0.4510% | 4,772 |
| Return on assets (ROA) | 0.4510% | 4,963 |
| Pretax return on assets | 0.6477% | 4,651 |
| Return on Equity (ROE) | 3.4975% | 5,227 |
| Retained earnings to average equity (ytd only) | 3.4975% | 4,254 |
| Net charge-offs to loans | 0.1832% | 4,334 |
| Credit loss provision to net charge-offs | 296.2810% | 968 |
| Earnings coverage of net charge-offs (x) | 8.0124% | 2,258 |
| Efficiency ratio | 68.0364% | 4,302 |
| Assets per employee ($millions) | 3.5422% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 5,057 |
| Loan loss allowance to noncurrent loans | 54.8263% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 1.6463% | 3,617 |
| Noncurrent loans to loans | 2.3513% | 2,952 |
| Net loans and leases to total assets | 67.7825% | 2,523 |
| Net loans and leases to deposits | 82.9411% | 2,184 |
| Net loans and leases to core deposits | 94.6782% | 1,727 |
| Total domestic deposits to total assets | 81.7236% | 5,186 |
| Equity capital to assets | 12.8181% | 1,706 |
| Core capital (leverage) ratio | 8.6376% | 5,494 |
| Tier 1 risk-based capital ratio | 11.2730% | 6,385 |
| Total risk-based capital ratio | 12.4951% | 6,385 |
| Memoranda: | ||
| Average total assets | $251,559,750 | 2,513 |
| Average earning assets | $221,795,750 | 2,606 |
| Average equity | $32,441,750 | 2,048 |
| Average total loans | $176,167,750 | 2,315 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7454% | 4,326 |
| Cost of funding earning assets | 1.0003% | 3,945 |
| Net interest margin | 3.7451% | 4,057 |
| Noninterest income to average assets | 0.4695% | 4,116 |
| Noninterest expense to average assets | 2.8144% | 4,368 |
| Loan and lease loss provision to assets | 0.5264% | 1,856 |
| Net operating income to assets | 0.3122% | 5,324 |
| Return on assets (ROA) | 0.3122% | 5,462 |
| Pretax return on assets | 0.4277% | 5,306 |
| Return on Equity (ROE) | 2.4156% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.4156% | 4,753 |
| Net charge-offs to loans | 0.2743% | 3,515 |
| Credit loss provision to net charge-offs | 272.1992% | 1,116 |
| Earnings coverage of net charge-offs (x) | 4.9336% | 2,734 |
| Efficiency ratio | 69.2930% | 4,263 |
| Assets per employee ($millions) | 3.5253% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 5,272 |
| Loan loss allowance to noncurrent loans | 118.2493% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 5,375 |
| Noncurrent loans to loans | 1.0630% | 4,887 |
| Net loans and leases to total assets | 68.9843% | 2,418 |
| Net loans and leases to deposits | 83.3933% | 2,204 |
| Net loans and leases to core deposits | 92.1170% | 2,108 |
| Total domestic deposits to total assets | 82.7216% | 4,899 |
| Equity capital to assets | 12.8272% | 1,609 |
| Core capital (leverage) ratio | 8.7110% | 5,211 |
| Tier 1 risk-based capital ratio | 11.1713% | 6,400 |
| Total risk-based capital ratio | 12.3846% | 6,419 |
| Memoranda: | ||
| Average total assets | $249,219,670 | 2,560 |
| Average earning assets | $219,540,330 | 2,653 |
| Average equity | $32,207,330 | 2,049 |
| Average total loans | $175,703,330 | 2,340 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 4,452 |
| Cost of funding earning assets | 1.0322% | 3,976 |
| Net interest margin | 3.6843% | 4,184 |
| Noninterest income to average assets | 0.4844% | 4,011 |
| Noninterest expense to average assets | 2.8317% | 4,324 |
| Loan and lease loss provision to assets | 0.9331% | 849 |
| Net operating income to assets | 0.0308% | 6,277 |
| Return on assets (ROA) | 0.0308% | 6,314 |
| Pretax return on assets | -0.0308% | 6,391 |
| Return on Equity (ROE) | 0.2373% | 6,331 |
| Retained earnings to average equity (ytd only) | 0.2373% | 5,718 |
| Net charge-offs to loans | 0.5558% | 2,107 |
| Credit loss provision to net charge-offs | 237.0370% | 1,301 |
| Earnings coverage of net charge-offs (x) | 2.2922% | 3,165 |
| Efficiency ratio | 70.3688% | 4,184 |
| Assets per employee ($millions) | 3.5562% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 5,315 |
| Loan loss allowance to noncurrent loans | 186.5334% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 5,978 |
| Noncurrent loans to loans | 0.6789% | 5,668 |
| Net loans and leases to total assets | 69.2234% | 2,284 |
| Net loans and leases to deposits | 83.7550% | 2,072 |
| Net loans and leases to core deposits | 91.8436% | 2,149 |
| Total domestic deposits to total assets | 82.6499% | 5,043 |
| Equity capital to assets | 13.2557% | 1,278 |
| Core capital (leverage) ratio | 8.7336% | 5,029 |
| Tier 1 risk-based capital ratio | 11.4072% | 6,174 |
| Total risk-based capital ratio | 12.6228% | 6,185 |
| Memoranda: | ||
| Average total assets | $246,919,500 | 2,593 |
| Average earning assets | $217,787,500 | 2,691 |
| Average equity | $32,032,000 | 2,045 |
| Average total loans | $174,892,500 | 2,363 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1678% | 3,761 |
| Cost of funding earning assets | 1.2293% | 4,358 |
| Net interest margin | 3.9385% | 3,308 |
| Noninterest income to average assets | 0.5905% | 3,535 |
| Noninterest expense to average assets | 3.2306% | 2,978 |
| Loan and lease loss provision to assets | 0.1573% | 5,634 |
| Net operating income to assets | 0.3905% | 4,586 |
| Return on assets (ROA) | 0.4141% | 4,621 |
| Pretax return on assets | 0.6962% | 3,991 |
| Return on Equity (ROE) | 3.0925% | 4,922 |
| Retained earnings to average equity (ytd only) | 3.0925% | 3,693 |
| Net charge-offs to loans | 0.1093% | 5,782 |
| Credit loss provision to net charge-offs | 200.0000% | 1,561 |
| Earnings coverage of net charge-offs (x) | 10.3817% | 1,714 |
| Efficiency ratio | 74.1248% | 3,373 |
| Assets per employee ($millions) | 3.3603% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 6,360 |
| Loan loss allowance to noncurrent loans | 189.9476% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 6,308 |
| Noncurrent loans to loans | 0.5298% | 5,986 |
| Net loans and leases to total assets | 70.7994% | 2,355 |
| Net loans and leases to deposits | 85.1673% | 2,246 |
| Net loans and leases to core deposits | 93.4785% | 2,324 |
| Total domestic deposits to total assets | 83.1298% | 4,742 |
| Equity capital to assets | 12.7010% | 1,529 |
| Core capital (leverage) ratio | 8.5136% | 5,337 |
| Tier 1 risk-based capital ratio | 10.6999% | 6,570 |
| Total risk-based capital ratio | 11.6703% | 6,728 |
| Memoranda: | ||
| Average total assets | $236,427,800 | 2,681 |
| Average earning assets | $207,514,800 | 2,779 |
| Average equity | $31,657,000 | 2,074 |
| Average total loans | $170,242,000 | 2,470 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2037% | 3,811 |
| Cost of funding earning assets | 1.2663% | 4,458 |
| Net interest margin | 3.9374% | 3,368 |
| Noninterest income to average assets | 0.5711% | 3,644 |
| Noninterest expense to average assets | 3.2706% | 2,671 |
| Loan and lease loss provision to assets | 0.1411% | 5,621 |
| Net operating income to assets | 0.3620% | 4,921 |
| Return on assets (ROA) | 0.3939% | 4,957 |
| Pretax return on assets | 0.6611% | 4,382 |
| Return on Equity (ROE) | 2.9015% | 5,263 |
| Retained earnings to average equity (ytd only) | 2.9015% | 4,393 |
| Net charge-offs to loans | -0.1184% | 7,571 |
| Credit loss provision to net charge-offs | -165.1007% | 6,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4704% | 3,045 |
| Assets per employee ($millions) | 3.2448% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 5,657 |
| Loan loss allowance to noncurrent loans | 75.7962% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1191% | 4,879 |
| Noncurrent loans to loans | 1.5322% | 4,339 |
| Net loans and leases to total assets | 71.7047% | 2,318 |
| Net loans and leases to deposits | 86.0396% | 2,332 |
| Net loans and leases to core deposits | 91.9055% | 2,818 |
| Total domestic deposits to total assets | 83.3392% | 4,442 |
| Equity capital to assets | 13.3020% | 1,447 |
| Core capital (leverage) ratio | 8.5119% | 5,483 |
| Tier 1 risk-based capital ratio | 10.7935% | 6,553 |
| Total risk-based capital ratio | 11.9088% | 6,657 |
| Memoranda: | ||
| Average total assets | $232,530,000 | 2,752 |
| Average earning assets | $203,851,000 | 2,872 |
| Average equity | $31,569,000 | 2,094 |
| Average total loans | $167,742,000 | 2,547 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1832% | 4,034 |
| Cost of funding earning assets | 1.2806% | 4,647 |
| Net interest margin | 3.9026% | 3,435 |
| Noninterest income to average assets | 0.5530% | 3,689 |
| Noninterest expense to average assets | 3.2608% | 2,691 |
| Loan and lease loss provision to assets | 0.1261% | 5,626 |
| Net operating income to assets | 0.3411% | 5,012 |
| Return on assets (ROA) | 0.3896% | 4,960 |
| Pretax return on assets | 0.6522% | 4,389 |
| Return on Equity (ROE) | 2.8494% | 5,311 |
| Retained earnings to average equity (ytd only) | 2.8494% | 4,330 |
| Net charge-offs to loans | -0.0374% | 7,401 |
| Credit loss provision to net charge-offs | -467.7419% | 6,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2835% | 3,021 |
| Assets per employee ($millions) | 3.1302% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 6,089 |
| Loan loss allowance to noncurrent loans | 109.3996% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7157% | 5,701 |
| Noncurrent loans to loans | 0.9767% | 5,355 |
| Net loans and leases to total assets | 69.3002% | 3,064 |
| Net loans and leases to deposits | 82.9345% | 3,089 |
| Net loans and leases to core deposits | 86.8193% | 3,726 |
| Total domestic deposits to total assets | 83.5601% | 4,309 |
| Equity capital to assets | 13.1240% | 1,518 |
| Core capital (leverage) ratio | 8.5812% | 5,270 |
| Tier 1 risk-based capital ratio | 10.8190% | 6,433 |
| Total risk-based capital ratio | 11.8353% | 6,619 |
| Memoranda: | ||
| Average total assets | $230,002,000 | 2,812 |
| Average earning assets | $200,996,330 | 2,933 |
| Average equity | $31,445,330 | 2,097 |
| Average total loans | $165,590,670 | 2,614 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2569% | 3,748 |
| Cost of funding earning assets | 1.2819% | 4,917 |
| Net interest margin | 3.9749% | 2,976 |
| Noninterest income to average assets | 0.5595% | 3,570 |
| Noninterest expense to average assets | 3.2571% | 2,685 |
| Loan and lease loss provision to assets | 0.1515% | 5,028 |
| Net operating income to assets | 0.3512% | 5,075 |
| Return on assets (ROA) | 0.4116% | 4,934 |
| Pretax return on assets | 0.6985% | 4,239 |
| Return on Equity (ROE) | 2.9472% | 5,357 |
| Retained earnings to average equity (ytd only) | 2.9472% | 4,362 |
| Net charge-offs to loans | -0.0049% | 6,811 |
| Credit loss provision to net charge-offs | -4,250.0000% | 6,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1332% | 3,371 |
| Assets per employee ($millions) | 2.9514% | 6,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 6,287 |
| Loan loss allowance to noncurrent loans | 162.7135% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 6,213 |
| Noncurrent loans to loans | 0.6384% | 6,045 |
| Net loans and leases to total assets | 72.8437% | 2,247 |
| Net loans and leases to deposits | 87.7536% | 2,265 |
| Net loans and leases to core deposits | 94.3018% | 2,805 |
| Total domestic deposits to total assets | 83.0093% | 4,622 |
| Equity capital to assets | 14.0233% | 1,133 |
| Core capital (leverage) ratio | 8.9634% | 4,628 |
| Tier 1 risk-based capital ratio | 10.9873% | 6,168 |
| Total risk-based capital ratio | 11.9870% | 6,386 |
| Memoranda: | ||
| Average total assets | $224,491,000 | 2,934 |
| Average earning assets | $195,021,500 | 3,061 |
| Average equity | $31,352,000 | 2,123 |
| Average total loans | $163,969,000 | 2,702 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3562% | 4,914 |
| Cost of funding earning assets | 1.6176% | 4,952 |
| Net interest margin | 3.7386% | 3,958 |
| Noninterest income to average assets | 0.5756% | 3,814 |
| Noninterest expense to average assets | 3.3976% | 2,690 |
| Loan and lease loss provision to assets | 1.8668% | 1,199 |
| Net operating income to assets | -0.7615% | 6,412 |
| Return on assets (ROA) | -0.6419% | 6,308 |
| Pretax return on assets | -1.2206% | 6,553 |
| Return on Equity (ROE) | -4.6793% | 6,185 |
| Retained earnings to average equity (ytd only) | -4.6793% | 5,983 |
| Net charge-offs to loans | 2.2016% | 1,084 |
| Credit loss provision to net charge-offs | 124.4880% | 4,221 |
| Earnings coverage of net charge-offs (x) | 0.3063% | 5,813 |
| Efficiency ratio | 81.4242% | 2,679 |
| Assets per employee ($millions) | 2.9957% | 6,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 6,388 |
| Loan loss allowance to noncurrent loans | 941.0405% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 7,134 |
| Noncurrent loans to loans | 0.1062% | 7,147 |
| Net loans and leases to total assets | 71.7488% | 2,825 |
| Net loans and leases to deposits | 86.7522% | 2,783 |
| Net loans and leases to core deposits | 106.5833% | 3,263 |
| Total domestic deposits to total assets | 82.7054% | 4,655 |
| Equity capital to assets | 13.9084% | 1,197 |
| Core capital (leverage) ratio | 8.3731% | 5,494 |
| Tier 1 risk-based capital ratio | 10.2829% | 6,605 |
| Total risk-based capital ratio | 11.2242% | 6,871 |
| Memoranda: | ||
| Average total assets | $227,928,200 | 2,847 |
| Average earning assets | $200,049,400 | 2,968 |
| Average equity | $31,265,400 | 2,147 |
| Average total loans | $155,249,800 | 2,842 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3266% | 5,298 |
| Cost of funding earning assets | 1.7022% | 4,887 |
| Net interest margin | 3.6244% | 4,394 |
| Noninterest income to average assets | 0.5269% | 4,262 |
| Noninterest expense to average assets | 3.3545% | 2,710 |
| Loan and lease loss provision to assets | 2.1817% | 798 |
| Net operating income to assets | -0.9993% | 6,829 |
| Return on assets (ROA) | -0.9594% | 6,810 |
| Pretax return on assets | -1.7586% | 7,070 |
| Return on Equity (ROE) | -7.0184% | 6,661 |
| Retained earnings to average equity (ytd only) | -7.0184% | 6,508 |
| Net charge-offs to loans | 2.8969% | 598 |
| Credit loss provision to net charge-offs | 112.3349% | 4,519 |
| Earnings coverage of net charge-offs (x) | 0.1858% | 5,837 |
| Efficiency ratio | 83.4013% | 2,370 |
| Assets per employee ($millions) | 2.9559% | 6,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 7,196 |
| Loan loss allowance to noncurrent loans | 267.1111% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 7,026 |
| Noncurrent loans to loans | 0.2900% | 6,782 |
| Net loans and leases to total assets | 68.5374% | 3,841 |
| Net loans and leases to deposits | 82.3640% | 3,945 |
| Net loans and leases to core deposits | 103.2677% | 4,025 |
| Total domestic deposits to total assets | 83.2128% | 4,108 |
| Equity capital to assets | 13.9734% | 1,314 |
| Core capital (leverage) ratio | 8.4496% | 5,577 |
| Tier 1 risk-based capital ratio | 10.7016% | 6,248 |
| Total risk-based capital ratio | 11.4349% | 6,733 |
| Memoranda: | ||
| Average total assets | $228,741,000 | 2,857 |
| Average earning assets | $201,222,500 | 2,966 |
| Average equity | $31,269,500 | 2,167 |
| Average total loans | $153,354,500 | 2,897 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3196% | 5,555 |
| Cost of funding earning assets | 1.8042% | 4,733 |
| Net interest margin | 3.5155% | 4,730 |
| Noninterest income to average assets | 0.5241% | 4,236 |
| Noninterest expense to average assets | 3.4002% | 2,628 |
| Loan and lease loss provision to assets | 3.1194% | 482 |
| Net operating income to assets | -1.5866% | 7,285 |
| Return on assets (ROA) | -1.5271% | 7,265 |
| Pretax return on assets | -2.8100% | 7,507 |
| Return on Equity (ROE) | -11.2524% | 7,126 |
| Retained earnings to average equity (ytd only) | -11.2524% | 6,989 |
| Net charge-offs to loans | 4.3522% | 306 |
| Credit loss provision to net charge-offs | 107.9723% | 4,279 |
| Earnings coverage of net charge-offs (x) | 0.0749% | 5,603 |
| Efficiency ratio | 86.9983% | 2,122 |
| Assets per employee ($millions) | 2.9476% | 6,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6865% | 7,451 |
| Loan loss allowance to noncurrent loans | 181.4433% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 5,569 |
| Noncurrent loans to loans | 0.3784% | 6,564 |
| Net loans and leases to total assets | 69.0993% | 3,921 |
| Net loans and leases to deposits | 83.6844% | 3,944 |
| Net loans and leases to core deposits | 100.2270% | 4,488 |
| Total domestic deposits to total assets | 82.5714% | 4,442 |
| Equity capital to assets | 14.0180% | 1,307 |
| Core capital (leverage) ratio | 8.0924% | 6,175 |
| Tier 1 risk-based capital ratio | 10.6905% | 6,193 |
| Total risk-based capital ratio | 11.3438% | 6,754 |
| Memoranda: | ||
| Average total assets | $230,105,330 | 2,860 |
| Average earning assets | $202,420,330 | 2,973 |
| Average equity | $31,229,000 | 2,168 |
| Average total loans | $152,749,330 | 2,932 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 5,826 |
| Cost of funding earning assets | 1.8884% | 4,697 |
| Net interest margin | 3.4266% | 5,025 |
| Noninterest income to average assets | 0.5507% | 3,914 |
| Noninterest expense to average assets | 2.9256% | 4,072 |
| Loan and lease loss provision to assets | 3.2955% | 323 |
| Net operating income to assets | -1.6725% | 7,566 |
| Return on assets (ROA) | -1.6725% | 7,566 |
| Pretax return on assets | -2.6511% | 7,690 |
| Return on Equity (ROE) | -12.5173% | 7,497 |
| Retained earnings to average equity (ytd only) | -12.5173% | 7,293 |
| Net charge-offs to loans | 0.1288% | 3,933 |
| Credit loss provision to net charge-offs | 3,944.8980% | 183 |
| Earnings coverage of net charge-offs (x) | 7.7143% | 2,309 |
| Efficiency ratio | 74.9761% | 3,670 |
| Assets per employee ($millions) | 3.1680% | 5,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 2,091 |
| Loan loss allowance to noncurrent loans | 68.7484% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 2.1319% | 2,701 |
| Noncurrent loans to loans | 2.4952% | 2,636 |
| Net loans and leases to total assets | 65.3766% | 4,730 |
| Net loans and leases to deposits | 78.4964% | 4,851 |
| Net loans and leases to core deposits | 97.2235% | 4,827 |
| Total domestic deposits to total assets | 83.2861% | 3,999 |
| Equity capital to assets | 13.2843% | 1,625 |
| Core capital (leverage) ratio | 7.9992% | 6,444 |
| Tier 1 risk-based capital ratio | 10.3914% | 6,507 |
| Total risk-based capital ratio | 11.6457% | 6,408 |
| Memoranda: | ||
| Average total assets | $234,621,500 | 2,823 |
| Average earning assets | $206,737,000 | 2,927 |
| Average equity | $31,348,500 | 2,163 |
| Average total loans | $152,216,000 | 2,969 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4926% | 8,198 |
| Cost of funding earning assets | 0.9528% | 8,075 |
| Net interest margin | 1.5398% | 8,180 |
| Noninterest income to average assets | 0.1374% | 7,419 |
| Noninterest expense to average assets | 1.2938% | 8,119 |
| Loan and lease loss provision to assets | 0.0529% | 6,755 |
| Net operating income to assets | 0.1855% | 5,888 |
| Return on assets (ROA) | 0.1827% | 5,738 |
| Pretax return on assets | 0.1647% | 5,809 |
| Return on Equity (ROE) | 1.5929% | 5,741 |
| Retained earnings to average equity (ytd only) | -2.3873% | 5,976 |
| Net charge-offs to loans | 0.0176% | 6,622 |
| Credit loss provision to net charge-offs | 486.9565% | 896 |
| Earnings coverage of net charge-offs (x) | 20.3043% | 1,581 |
| Efficiency ratio | 77.6185% | 2,975 |
| Assets per employee ($millions) | 3.2166% | 5,438 |
| Cash dividends to net income (ytd only)* | 249.8708% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5327% | 7,798 |
| Loan loss allowance to noncurrent loans | 114.9709% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 4,929 |
| Noncurrent loans to loans | 0.4633% | 5,955 |
| Net loans and leases to total assets | 62.9026% | 5,473 |
| Net loans and leases to deposits | 80.1851% | 5,011 |
| Net loans and leases to core deposits | 98.8271% | 4,943 |
| Total domestic deposits to total assets | 78.4467% | 5,565 |
| Equity capital to assets | 13.4382% | 1,616 |
| Core capital (leverage) ratio | 8.5668% | 5,450 |
| Tier 1 risk-based capital ratio | 9.6795% | 7,110 |
| Total risk-based capital ratio | 10.1646% | 7,858 |
| Memoranda: | ||
| Average total assets | $211,862,400 | 2,987 |
| Average earning assets | $189,441,400 | 3,051 |
| Average equity | $24,295,600 | 2,708 |
| Average total loans | $130,412,400 | 3,264 |