Home > Frazer Bank > Performance and Condition Ratios
Frazer Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9739% | 2,124 |
| Cost of funding earning assets | 1.9651% | 968 |
| Net interest margin | 3.0088% | 3,263 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.4595% | 2,415 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 0.3688% | 3,929 |
| Return on assets (ROA) | 0.3281% | 3,988 |
| Pretax return on assets | 0.3824% | 3,989 |
| Return on Equity (ROE) | 4.5000% | 3,815 |
| Retained earnings to average equity (ytd only) | 1.5074% | 3,707 |
| Net charge-offs to loans | 0.1269% | 776 |
| Credit loss provision to net charge-offs | 218.7675% | 1,158 |
| Earnings coverage of net charge-offs (x) | 7.1681% | 2,422 |
| Efficiency ratio | 79.4044% | 954 |
| Assets per employee ($millions) | 6.7659% | 2,230 |
| Cash dividends to net income (ytd only)* | 66.4894% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,005 |
| Loan loss allowance to noncurrent loans | 424.4304% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 2,187 |
| Noncurrent loans to loans | 0.2949% | 2,123 |
| Net loans and leases to total assets | 67.4200% | 2,102 |
| Net loans and leases to deposits | 74.4527% | 2,586 |
| Net loans and leases to core deposits | 105.9860% | 1,113 |
| Total domestic deposits to total assets | 90.5500% | 616 |
| Equity capital to assets | 8.1514% | 3,308 |
| Core capital (leverage) ratio | 10.1402% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3980% | 2,102 |
| Memoranda: | ||
| Average total assets | $401,134,200 | 2,008 |
| Average earning assets | $369,048,200 | 2,013 |
| Average equity | $29,256,200 | 2,298 |
| Average total loans | $281,395,600 | 1,868 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9584% | 1,927 |
| Cost of funding earning assets | 1.8350% | 952 |
| Net interest margin | 3.1233% | 3,098 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.4275% | 2,443 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.4516% | 3,864 |
| Return on assets (ROA) | 0.4020% | 3,954 |
| Pretax return on assets | 0.5339% | 3,854 |
| Return on Equity (ROE) | 5.6700% | 3,695 |
| Retained earnings to average equity (ytd only) | 4.7409% | 3,026 |
| Net charge-offs to loans | 0.0787% | 932 |
| Credit loss provision to net charge-offs | 304.1667% | 883 |
| Earnings coverage of net charge-offs (x) | 14.1071% | 2,009 |
| Efficiency ratio | 75.5997% | 1,211 |
| Assets per employee ($millions) | 6.4340% | 2,371 |
| Cash dividends to net income (ytd only)* | 16.4474% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 2,693 |
| Loan loss allowance to noncurrent loans | 379.2584% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 2,180 |
| Noncurrent loans to loans | 0.2996% | 2,157 |
| Net loans and leases to total assets | 71.4000% | 1,648 |
| Net loans and leases to deposits | 87.8921% | 1,399 |
| Net loans and leases to core deposits | 118.6307% | 589 |
| Total domestic deposits to total assets | 81.2400% | 3,345 |
| Equity capital to assets | 7.5582% | 3,321 |
| Core capital (leverage) ratio | 10.2045% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5717% | 2,424 |
| Memoranda: | ||
| Average total assets | $403,312,250 | 2,005 |
| Average earning assets | $370,920,000 | 2,005 |
| Average equity | $28,573,250 | 2,323 |
| Average total loans | $284,766,750 | 1,853 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9669% | 1,615 |
| Cost of funding earning assets | 1.7182% | 862 |
| Net interest margin | 3.2486% | 2,870 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.3924% | 2,514 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 0.5366% | 3,734 |
| Return on assets (ROA) | 0.4625% | 3,894 |
| Pretax return on assets | 0.6156% | 3,771 |
| Return on Equity (ROE) | 6.6700% | 3,546 |
| Retained earnings to average equity (ytd only) | 5.2482% | 2,877 |
| Net charge-offs to loans | 0.0028% | 2,243 |
| Credit loss provision to net charge-offs | 10,525.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 477.7500% | 311 |
| Efficiency ratio | 71.7015% | 1,591 |
| Assets per employee ($millions) | 6.4034% | 2,379 |
| Cash dividends to net income (ytd only)* | 21.3675% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,599 |
| Loan loss allowance to noncurrent loans | 351.1018% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 1,992 |
| Noncurrent loans to loans | 0.3330% | 1,937 |
| Net loans and leases to total assets | 71.2300% | 1,617 |
| Net loans and leases to deposits | 82.9774% | 1,761 |
| Net loans and leases to core deposits | 112.1496% | 744 |
| Total domestic deposits to total assets | 85.8500% | 2,280 |
| Equity capital to assets | 7.8552% | 3,311 |
| Core capital (leverage) ratio | 9.5196% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3226% | 2,529 |
| Memoranda: | ||
| Average total assets | $404,781,333 | 1,998 |
| Average earning assets | $372,711,000 | 2,002 |
| Average equity | $28,047,667 | 2,352 |
| Average total loans | $283,659,000 | 1,846 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 1,660 |
| Cost of funding earning assets | 1.5231% | 804 |
| Net interest margin | 3.2620% | 2,967 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.3501% | 2,669 |
| Loan and lease loss provision to assets | 0.3400% | 246 |
| Net operating income to assets | 0.5178% | 3,852 |
| Return on assets (ROA) | 0.5178% | 3,812 |
| Pretax return on assets | 0.6901% | 3,684 |
| Return on Equity (ROE) | 7.9900% | 3,290 |
| Retained earnings to average equity (ytd only) | 6.4807% | 2,650 |
| Net charge-offs to loans | 0.0014% | 1,994 |
| Credit loss provision to net charge-offs | 29,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 1,049.0000% | 95 |
| Efficiency ratio | 69.5942% | 1,790 |
| Assets per employee ($millions) | 6.6795% | 2,210 |
| Cash dividends to net income (ytd only)* | 18.9036% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,060 |
| Loan loss allowance to noncurrent loans | 603.7523% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 2,615 |
| Noncurrent loans to loans | 0.1821% | 2,571 |
| Net loans and leases to total assets | 69.9100% | 1,637 |
| Net loans and leases to deposits | 86.2948% | 1,329 |
| Net loans and leases to core deposits | 97.1958% | 1,220 |
| Total domestic deposits to total assets | 81.0200% | 3,634 |
| Equity capital to assets | 6.7450% | 3,944 |
| Core capital (leverage) ratio | 8.5565% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8432% | 2,963 |
| Memoranda: | ||
| Average total assets | $408,665,500 | 2,010 |
| Average earning assets | $376,331,500 | 2,013 |
| Average equity | $26,478,500 | 2,462 |
| Average total loans | $282,415,000 | 1,872 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 2,547 |
| Cost of funding earning assets | 0.4525% | 1,707 |
| Net interest margin | 3.2393% | 2,739 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.6635% | 1,646 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.4608% | 4,154 |
| Return on assets (ROA) | 0.4608% | 4,110 |
| Pretax return on assets | 0.5836% | 4,058 |
| Return on Equity (ROE) | 7.1300% | 3,612 |
| Retained earnings to average equity (ytd only) | 7.1293% | 2,186 |
| Net charge-offs to loans | 0.0701% | 943 |
| Credit loss provision to net charge-offs | 354.3624% | 832 |
| Earnings coverage of net charge-offs (x) | 17.5101% | 1,954 |
| Efficiency ratio | 78.4487% | 826 |
| Assets per employee ($millions) | 6.4001% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 3,621 |
| Loan loss allowance to noncurrent loans | 497.8682% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 2,629 |
| Noncurrent loans to loans | 0.1896% | 2,536 |
| Net loans and leases to total assets | 66.8400% | 1,944 |
| Net loans and leases to deposits | 79.3837% | 1,817 |
| Net loans and leases to core deposits | 96.1925% | 1,198 |
| Total domestic deposits to total assets | 84.2000% | 3,163 |
| Equity capital to assets | 6.2063% | 4,014 |
| Core capital (leverage) ratio | 8.6751% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4694% | 3,032 |
| Memoranda: | ||
| Average total assets | $356,557,000 | 2,199 |
| Average earning assets | $328,651,600 | 2,203 |
| Average equity | $23,045,600 | 2,700 |
| Average total loans | $212,704,400 | 2,149 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4154% | 2,873 |
| Cost of funding earning assets | 0.2971% | 2,205 |
| Net interest margin | 3.1184% | 2,874 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.6175% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6670% | 3,651 |
| Return on assets (ROA) | 0.6670% | 3,613 |
| Pretax return on assets | 0.7474% | 3,699 |
| Return on Equity (ROE) | 10.1600% | 2,677 |
| Retained earnings to average equity (ytd only) | 10.1565% | 1,299 |
| Net charge-offs to loans | 0.1867% | 361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 6.9819% | 2,089 |
| Efficiency ratio | 77.7880% | 934 |
| Assets per employee ($millions) | 5.7091% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8361% | 4,013 |
| Loan loss allowance to noncurrent loans | 206.3646% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 1,910 |
| Noncurrent loans to loans | 0.4052% | 1,807 |
| Net loans and leases to total assets | 64.1000% | 2,073 |
| Net loans and leases to deposits | 67.9581% | 2,536 |
| Net loans and leases to core deposits | 87.2657% | 1,452 |
| Total domestic deposits to total assets | 94.3200% | 315 |
| Equity capital to assets | 5.2452% | 4,212 |
| Core capital (leverage) ratio | 8.6724% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8506% | 3,056 |
| Memoranda: | ||
| Average total assets | $345,002,500 | 2,261 |
| Average earning assets | $318,664,250 | 2,260 |
| Average equity | $22,658,250 | 2,762 |
| Average total loans | $197,858,750 | 2,244 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1544% | 3,180 |
| Cost of funding earning assets | 0.2462% | 2,321 |
| Net interest margin | 2.9081% | 3,145 |
| Noninterest income to average assets | 0.5818% | 1,818 |
| Noninterest expense to average assets | 2.4899% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6508% | 3,469 |
| Return on assets (ROA) | 0.6508% | 3,419 |
| Pretax return on assets | 0.7719% | 3,398 |
| Return on Equity (ROE) | 9.2664% | 2,609 |
| Retained earnings to average equity (ytd only) | 9.2664% | 1,206 |
| Net charge-offs to loans | 0.2965% | 233 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 4.7482% | 1,945 |
| Efficiency ratio | 76.3356% | 1,241 |
| Assets per employee ($millions) | 5.5705% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,690 |
| Loan loss allowance to noncurrent loans | 179.8683% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.7675% | 681 |
| Noncurrent loans to loans | 0.5443% | 1,526 |
| Net loans and leases to total assets | 56.9073% | 2,650 |
| Net loans and leases to deposits | 60.6891% | 3,006 |
| Net loans and leases to core deposits | 73.4206% | 2,213 |
| Total domestic deposits to total assets | 93.7687% | 327 |
| Equity capital to assets | 5.8005% | 4,271 |
| Core capital (leverage) ratio | 8.8395% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1920% | 2,753 |
| Memoranda: | ||
| Average total assets | $342,015,333 | 2,285 |
| Average earning assets | $315,183,667 | 2,301 |
| Average equity | $24,022,333 | 2,747 |
| Average total loans | $187,546,333 | 2,325 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0445% | 3,123 |
| Cost of funding earning assets | 0.2509% | 2,146 |
| Net interest margin | 2.7937% | 3,161 |
| Noninterest income to average assets | 0.8790% | 873 |
| Noninterest expense to average assets | 2.3991% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8289% | 2,559 |
| Return on assets (ROA) | 0.8289% | 2,554 |
| Pretax return on assets | 1.0503% | 2,294 |
| Return on Equity (ROE) | 10.8639% | 1,661 |
| Retained earnings to average equity (ytd only) | 10.8639% | 808 |
| Net charge-offs to loans | -0.0065% | 3,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5505% | 2,294 |
| Assets per employee ($millions) | 5.8352% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,741 |
| Loan loss allowance to noncurrent loans | 190.1995% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.7972% | 696 |
| Noncurrent loans to loans | 0.6433% | 1,465 |
| Net loans and leases to total assets | 52.3066% | 2,956 |
| Net loans and leases to deposits | 56.5873% | 3,208 |
| Net loans and leases to core deposits | 68.7940% | 2,386 |
| Total domestic deposits to total assets | 92.4353% | 424 |
| Equity capital to assets | 7.1401% | 4,137 |
| Core capital (leverage) ratio | 8.4019% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3447% | 2,466 |
| Memoranda: | ||
| Average total assets | $343,124,000 | 2,287 |
| Average earning assets | $315,714,500 | 2,305 |
| Average equity | $26,178,500 | 2,708 |
| Average total loans | $183,678,500 | 2,346 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2930% | 3,231 |
| Cost of funding earning assets | 0.3060% | 2,349 |
| Net interest margin | 2.9870% | 3,232 |
| Noninterest income to average assets | 0.1469% | 4,420 |
| Noninterest expense to average assets | 2.4555% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3651% | 4,321 |
| Return on assets (ROA) | 0.3678% | 4,349 |
| Pretax return on assets | 0.4255% | 4,365 |
| Return on Equity (ROE) | 4.2539% | 4,162 |
| Retained earnings to average equity (ytd only) | 3.2929% | 3,499 |
| Net charge-offs to loans | -0.0005% | 3,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3216% | 498 |
| Assets per employee ($millions) | 6.1019% | 2,661 |
| Cash dividends to net income (ytd only)* | 22.5914% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 3,061 |
| Loan loss allowance to noncurrent loans | 198.7296% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.7611% | 804 |
| Noncurrent loans to loans | 0.5857% | 1,674 |
| Net loans and leases to total assets | 53.4627% | 2,913 |
| Net loans and leases to deposits | 58.4612% | 3,208 |
| Net loans and leases to core deposits | 72.3546% | 2,228 |
| Total domestic deposits to total assets | 91.4499% | 333 |
| Equity capital to assets | 8.1056% | 4,301 |
| Core capital (leverage) ratio | 8.5953% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9430% | 2,652 |
| Memoranda: | ||
| Average total assets | $327,393,000 | 2,306 |
| Average earning assets | $299,334,200 | 2,337 |
| Average equity | $28,303,400 | 2,628 |
| Average total loans | $186,955,400 | 2,329 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3343% | 3,296 |
| Cost of funding earning assets | 0.3211% | 2,395 |
| Net interest margin | 3.0132% | 3,269 |
| Noninterest income to average assets | 0.0612% | 4,777 |
| Noninterest expense to average assets | 2.4210% | 2,368 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3504% | 4,444 |
| Return on assets (ROA) | 0.3541% | 4,474 |
| Pretax return on assets | 0.3967% | 4,500 |
| Return on Equity (ROE) | 4.0284% | 4,296 |
| Retained earnings to average equity (ytd only) | 2.8378% | 3,952 |
| Net charge-offs to loans | 0.0021% | 2,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 316.3333% | 423 |
| Efficiency ratio | 86.0462% | 432 |
| Assets per employee ($millions) | 5.5220% | 3,175 |
| Cash dividends to net income (ytd only)* | 29.5561% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 3,146 |
| Loan loss allowance to noncurrent loans | 176.4326% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.8692% | 801 |
| Noncurrent loans to loans | 0.6597% | 1,667 |
| Net loans and leases to total assets | 57.9621% | 2,502 |
| Net loans and leases to deposits | 63.9955% | 2,851 |
| Net loans and leases to core deposits | 81.3458% | 1,627 |
| Total domestic deposits to total assets | 90.5723% | 523 |
| Equity capital to assets | 8.9304% | 3,895 |
| Core capital (leverage) ratio | 8.6105% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6702% | 3,021 |
| Memoranda: | ||
| Average total assets | $322,289,500 | 2,358 |
| Average earning assets | $294,386,250 | 2,385 |
| Average equity | $28,331,250 | 2,656 |
| Average total loans | $186,660,000 | 2,367 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3707% | 3,264 |
| Cost of funding earning assets | 0.3373% | 2,430 |
| Net interest margin | 3.0335% | 3,232 |
| Noninterest income to average assets | 0.2353% | 3,994 |
| Noninterest expense to average assets | 2.4839% | 2,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4563% | 4,291 |
| Return on assets (ROA) | 0.4601% | 4,329 |
| Pretax return on assets | 0.5239% | 4,343 |
| Return on Equity (ROE) | 5.2619% | 4,083 |
| Retained earnings to average equity (ytd only) | 3.6613% | 3,628 |
| Net charge-offs to loans | 0.0054% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 167.8000% | 553 |
| Efficiency ratio | 82.7010% | 628 |
| Assets per employee ($millions) | 5.6596% | 2,951 |
| Cash dividends to net income (ytd only)* | 30.4172% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 3,300 |
| Loan loss allowance to noncurrent loans | 71.3492% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.5426% | 357 |
| Noncurrent loans to loans | 1.5814% | 702 |
| Net loans and leases to total assets | 57.3121% | 2,748 |
| Net loans and leases to deposits | 63.0626% | 3,098 |
| Net loans and leases to core deposits | 74.0109% | 2,407 |
| Total domestic deposits to total assets | 90.8813% | 411 |
| Equity capital to assets | 8.5182% | 4,192 |
| Core capital (leverage) ratio | 8.4740% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5358% | 2,852 |
| Memoranda: | ||
| Average total assets | $322,960,000 | 2,347 |
| Average earning assets | $294,713,667 | 2,378 |
| Average equity | $28,241,000 | 2,654 |
| Average total loans | $186,271,333 | 2,382 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2184% | 3,649 |
| Cost of funding earning assets | 0.3644% | 2,409 |
| Net interest margin | 2.8540% | 3,630 |
| Noninterest income to average assets | 0.2621% | 3,822 |
| Noninterest expense to average assets | 2.5526% | 2,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3049% | 4,512 |
| Return on assets (ROA) | 0.3049% | 4,547 |
| Pretax return on assets | 0.3049% | 4,595 |
| Return on Equity (ROE) | 3.4400% | 4,391 |
| Retained earnings to average equity (ytd only) | 3.2410% | 3,708 |
| Net charge-offs to loans | 0.0197% | 1,344 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 26.8889% | 1,138 |
| Efficiency ratio | 89.3298% | 392 |
| Assets per employee ($millions) | 5.5408% | 3,079 |
| Cash dividends to net income (ytd only)* | 5.7851% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 3,013 |
| Loan loss allowance to noncurrent loans | 134.2365% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.1604% | 649 |
| Noncurrent loans to loans | 0.8814% | 1,533 |
| Net loans and leases to total assets | 56.6540% | 2,965 |
| Net loans and leases to deposits | 62.5736% | 3,265 |
| Net loans and leases to core deposits | 65.9356% | 3,245 |
| Total domestic deposits to total assets | 90.5397% | 570 |
| Equity capital to assets | 8.7698% | 3,895 |
| Core capital (leverage) ratio | 8.6969% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5088% | 2,487 |
| Memoranda: | ||
| Average total assets | $317,480,500 | 2,356 |
| Average earning assets | $288,716,500 | 2,392 |
| Average equity | $28,139,500 | 2,660 |
| Average total loans | $182,627,000 | 2,426 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 2,151 |
| Cost of funding earning assets | 0.6300% | 2,117 |
| Net interest margin | 3.5661% | 2,257 |
| Noninterest income to average assets | -0.7250% | 4,998 |
| Noninterest expense to average assets | 2.8558% | 1,805 |
| Loan and lease loss provision to assets | 0.1817% | 2,126 |
| Net operating income to assets | -0.1769% | 4,813 |
| Return on assets (ROA) | -0.1769% | 4,828 |
| Pretax return on assets | -0.5661% | 4,887 |
| Return on Equity (ROE) | -1.8084% | 4,842 |
| Retained earnings to average equity (ytd only) | -3.5891% | 4,798 |
| Net charge-offs to loans | 0.0817% | 1,656 |
| Credit loss provision to net charge-offs | 371.5278% | 1,523 |
| Earnings coverage of net charge-offs (x) | -7.8611% | 3,395 |
| Efficiency ratio | 115.5537% | 95 |
| Assets per employee ($millions) | 5.5017% | 2,843 |
| Cash dividends to net income (ytd only)* | -98.4645% | 4,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 2,890 |
| Loan loss allowance to noncurrent loans | 164.2161% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 1.1068% | 825 |
| Noncurrent loans to loans | 0.7364% | 1,863 |
| Net loans and leases to total assets | 57.0221% | 3,200 |
| Net loans and leases to deposits | 64.0419% | 3,435 |
| Net loans and leases to core deposits | 67.9011% | 3,421 |
| Total domestic deposits to total assets | 89.0388% | 968 |
| Equity capital to assets | 8.9593% | 4,092 |
| Core capital (leverage) ratio | 9.3048% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8987% | 2,281 |
| Memoranda: | ||
| Average total assets | $294,491,600 | 2,321 |
| Average earning assets | $263,956,600 | 2,373 |
| Average equity | $28,809,400 | 2,540 |
| Average total loans | $176,228,800 | 2,433 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4318% | 1,758 |
| Cost of funding earning assets | 0.7047% | 2,001 |
| Net interest margin | 3.7271% | 1,852 |
| Noninterest income to average assets | 0.0653% | 4,861 |
| Noninterest expense to average assets | 2.9039% | 1,694 |
| Loan and lease loss provision to assets | 0.2302% | 1,767 |
| Net operating income to assets | 0.4436% | 4,178 |
| Return on assets (ROA) | 0.4436% | 4,244 |
| Pretax return on assets | 0.2637% | 4,593 |
| Return on Equity (ROE) | 4.4339% | 4,050 |
| Retained earnings to average equity (ytd only) | 2.1434% | 3,880 |
| Net charge-offs to loans | 0.1059% | 1,268 |
| Credit loss provision to net charge-offs | 359.7122% | 1,578 |
| Earnings coverage of net charge-offs (x) | 7.7194% | 2,553 |
| Efficiency ratio | 85.4666% | 530 |
| Assets per employee ($millions) | 4.8072% | 3,482 |
| Cash dividends to net income (ytd only)* | 51.6598% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,575 |
| Loan loss allowance to noncurrent loans | 220.7566% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 1.9752% | 338 |
| Noncurrent loans to loans | 0.5511% | 2,417 |
| Net loans and leases to total assets | 61.8067% | 3,032 |
| Net loans and leases to deposits | 71.7470% | 3,155 |
| Net loans and leases to core deposits | 76.8928% | 3,103 |
| Total domestic deposits to total assets | 86.1453% | 2,005 |
| Equity capital to assets | 10.4649% | 2,822 |
| Core capital (leverage) ratio | 9.8350% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9442% | 1,847 |
| Memoranda: | ||
| Average total assets | $289,715,500 | 2,325 |
| Average earning assets | $259,031,000 | 2,380 |
| Average equity | $28,987,750 | 2,533 |
| Average total loans | $175,034,000 | 2,445 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3418% | 2,359 |
| Cost of funding earning assets | 0.7911% | 1,868 |
| Net interest margin | 3.5507% | 2,632 |
| Noninterest income to average assets | 0.0247% | 4,966 |
| Noninterest expense to average assets | 2.8175% | 2,054 |
| Loan and lease loss provision to assets | 0.2948% | 1,459 |
| Net operating income to assets | 0.0816% | 4,705 |
| Return on assets (ROA) | 0.0816% | 4,732 |
| Pretax return on assets | 0.0816% | 4,737 |
| Return on Equity (ROE) | 0.8315% | 4,704 |
| Retained earnings to average equity (ytd only) | -1.7468% | 4,562 |
| Net charge-offs to loans | 0.0184% | 2,353 |
| Credit loss provision to net charge-offs | 2,687.5000% | 387 |
| Earnings coverage of net charge-offs (x) | 34.3125% | 1,346 |
| Efficiency ratio | 88.2164% | 442 |
| Assets per employee ($millions) | 4.7631% | 3,451 |
| Cash dividends to net income (ytd only)* | 310.0840% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,142 |
| Loan loss allowance to noncurrent loans | 184.6411% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 1.9818% | 363 |
| Noncurrent loans to loans | 0.6893% | 2,148 |
| Net loans and leases to total assets | 57.1784% | 3,589 |
| Net loans and leases to deposits | 67.7976% | 3,586 |
| Net loans and leases to core deposits | 74.6527% | 3,410 |
| Total domestic deposits to total assets | 84.3369% | 2,618 |
| Equity capital to assets | 9.7182% | 3,449 |
| Core capital (leverage) ratio | 9.3928% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8402% | 1,880 |
| Memoranda: | ||
| Average total assets | $291,746,333 | 2,301 |
| Average earning assets | $260,401,333 | 2,358 |
| Average equity | $28,623,667 | 2,538 |
| Average total loans | $174,226,333 | 2,437 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 2,174 |
| Cost of funding earning assets | 0.8927% | 1,905 |
| Net interest margin | 3.6523% | 2,499 |
| Noninterest income to average assets | 0.2851% | 3,815 |
| Noninterest expense to average assets | 2.7053% | 2,695 |
| Loan and lease loss provision to assets | 0.4660% | 638 |
| Net operating income to assets | 0.3575% | 4,226 |
| Return on assets (ROA) | 0.3575% | 4,260 |
| Pretax return on assets | 0.3575% | 4,368 |
| Return on Equity (ROE) | 3.6255% | 4,060 |
| Retained earnings to average equity (ytd only) | 3.6255% | 2,834 |
| Net charge-offs to loans | -0.0069% | 3,949 |
| Credit loss provision to net charge-offs | -11,166.6667% | 3,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6654% | 1,492 |
| Assets per employee ($millions) | 4.4035% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 2,466 |
| Loan loss allowance to noncurrent loans | 60.4928% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 3.0220% | 194 |
| Noncurrent loans to loans | 2.0456% | 685 |
| Net loans and leases to total assets | 59.5608% | 3,540 |
| Net loans and leases to deposits | 69.4557% | 3,636 |
| Net loans and leases to core deposits | 79.1227% | 3,277 |
| Total domestic deposits to total assets | 85.7538% | 2,103 |
| Equity capital to assets | 9.9511% | 3,836 |
| Core capital (leverage) ratio | 9.8494% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7902% | 1,975 |
| Memoranda: | ||
| Average total assets | $287,582,000 | 2,277 |
| Average earning assets | $255,401,000 | 2,344 |
| Average equity | $28,354,500 | 2,552 |
| Average total loans | $174,444,500 | 2,422 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 2,966 |
| Cost of funding earning assets | 1.0106% | 1,681 |
| Net interest margin | 3.4836% | 3,502 |
| Noninterest income to average assets | 0.2634% | 4,100 |
| Noninterest expense to average assets | 2.8812% | 2,345 |
| Loan and lease loss provision to assets | 0.4218% | 331 |
| Net operating income to assets | 0.0797% | 4,936 |
| Return on assets (ROA) | 0.1416% | 4,917 |
| Pretax return on assets | 0.1393% | 4,925 |
| Return on Equity (ROE) | 1.5499% | 4,854 |
| Retained earnings to average equity (ytd only) | -0.0541% | 4,708 |
| Net charge-offs to loans | 0.9132% | 176 |
| Credit loss provision to net charge-offs | 85.6283% | 2,718 |
| Earnings coverage of net charge-offs (x) | 1.0134% | 3,574 |
| Efficiency ratio | 85.2328% | 589 |
| Assets per employee ($millions) | 4.3124% | 3,490 |
| Cash dividends to net income (ytd only)* | 103.4884% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 3,384 |
| Loan loss allowance to noncurrent loans | 161.5454% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 2.3649% | 288 |
| Noncurrent loans to loans | 0.6314% | 2,305 |
| Net loans and leases to total assets | 60.3854% | 3,551 |
| Net loans and leases to deposits | 70.5627% | 3,623 |
| Net loans and leases to core deposits | 81.4743% | 3,182 |
| Total domestic deposits to total assets | 85.5770% | 2,250 |
| Equity capital to assets | 9.7690% | 4,135 |
| Core capital (leverage) ratio | 9.7926% | 3,740 |
| Tier 1 risk-based capital ratio | 13.6308% | 3,444 |
| Total risk-based capital ratio | 14.5001% | 3,540 |
| Memoranda: | ||
| Average total assets | $303,693,600 | 2,146 |
| Average earning assets | $271,727,600 | 2,197 |
| Average equity | $27,744,400 | 2,509 |
| Average total loans | $163,820,400 | 2,471 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 3,209 |
| Cost of funding earning assets | 1.0183% | 1,687 |
| Net interest margin | 3.4305% | 3,781 |
| Noninterest income to average assets | 0.2889% | 4,004 |
| Noninterest expense to average assets | 2.7505% | 2,711 |
| Loan and lease loss provision to assets | 0.2607% | 609 |
| Net operating income to assets | 0.3329% | 4,804 |
| Return on assets (ROA) | 0.3526% | 4,808 |
| Pretax return on assets | 0.3778% | 4,830 |
| Return on Equity (ROE) | 3.9240% | 4,607 |
| Retained earnings to average equity (ytd only) | 1.8969% | 4,307 |
| Net charge-offs to loans | 0.5683% | 292 |
| Credit loss provision to net charge-offs | 87.7372% | 2,420 |
| Earnings coverage of net charge-offs (x) | 2.0774% | 3,222 |
| Efficiency ratio | 81.6718% | 780 |
| Assets per employee ($millions) | 4.1390% | 3,698 |
| Cash dividends to net income (ytd only)* | 51.6610% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 2,825 |
| Loan loss allowance to noncurrent loans | 102.8252% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 2.5254% | 267 |
| Noncurrent loans to loans | 1.1088% | 1,431 |
| Net loans and leases to total assets | 56.1266% | 4,039 |
| Net loans and leases to deposits | 67.9243% | 3,922 |
| Net loans and leases to core deposits | 81.0049% | 3,311 |
| Total domestic deposits to total assets | 82.6311% | 3,270 |
| Equity capital to assets | 9.6399% | 4,346 |
| Core capital (leverage) ratio | 9.6533% | 4,021 |
| Tier 1 risk-based capital ratio | 14.2195% | 3,211 |
| Total risk-based capital ratio | 15.1785% | 3,278 |
| Memoranda: | ||
| Average total assets | $307,383,500 | 2,143 |
| Average earning assets | $275,873,250 | 2,185 |
| Average equity | $27,624,000 | 2,531 |
| Average total loans | $160,707,500 | 2,527 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 3,313 |
| Cost of funding earning assets | 0.9719% | 1,818 |
| Net interest margin | 3.4339% | 3,788 |
| Noninterest income to average assets | 0.2789% | 4,065 |
| Noninterest expense to average assets | 2.8347% | 2,467 |
| Loan and lease loss provision to assets | 0.1739% | 1,040 |
| Net operating income to assets | 0.3219% | 4,849 |
| Return on assets (ROA) | 0.3497% | 4,821 |
| Pretax return on assets | 0.3871% | 4,844 |
| Return on Equity (ROE) | 3.9844% | 4,593 |
| Retained earnings to average equity (ytd only) | 2.1720% | 4,065 |
| Net charge-offs to loans | 0.8741% | 163 |
| Credit loss provision to net charge-offs | 39.1304% | 2,543 |
| Earnings coverage of net charge-offs (x) | 1.1928% | 3,042 |
| Efficiency ratio | 84.2458% | 639 |
| Assets per employee ($millions) | 4.0531% | 3,804 |
| Cash dividends to net income (ytd only)* | 45.4880% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 3,684 |
| Loan loss allowance to noncurrent loans | 25.7809% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 3.8914% | 118 |
| Noncurrent loans to loans | 3.8375% | 194 |
| Net loans and leases to total assets | 52.4449% | 4,327 |
| Net loans and leases to deposits | 60.5534% | 4,403 |
| Net loans and leases to core deposits | 75.8618% | 3,742 |
| Total domestic deposits to total assets | 86.6093% | 1,769 |
| Equity capital to assets | 9.2947% | 4,582 |
| Core capital (leverage) ratio | 9.2739% | 4,386 |
| Tier 1 risk-based capital ratio | 13.7240% | 3,469 |
| Total risk-based capital ratio | 14.4910% | 3,624 |
| Memoranda: | ||
| Average total assets | $310,508,000 | 2,110 |
| Average earning assets | $279,039,330 | 2,172 |
| Average equity | $27,256,000 | 2,549 |
| Average total loans | $157,879,330 | 2,572 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 3,367 |
| Cost of funding earning assets | 0.9380% | 1,848 |
| Net interest margin | 3.4242% | 3,825 |
| Noninterest income to average assets | 0.2703% | 4,068 |
| Noninterest expense to average assets | 2.8989% | 2,281 |
| Loan and lease loss provision to assets | 0.1721% | 970 |
| Net operating income to assets | 0.2754% | 4,927 |
| Return on assets (ROA) | 0.2817% | 4,932 |
| Pretax return on assets | 0.2817% | 4,979 |
| Return on Equity (ROE) | 3.3038% | 4,722 |
| Retained earnings to average equity (ytd only) | 2.8404% | 3,801 |
| Net charge-offs to loans | -0.0077% | 4,134 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6286% | 541 |
| Assets per employee ($millions) | 4.2052% | 3,620 |
| Cash dividends to net income (ytd only)* | 14.0271% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 1,846 |
| Loan loss allowance to noncurrent loans | 28.9658% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 3.8881% | 120 |
| Noncurrent loans to loans | 4.6806% | 133 |
| Net loans and leases to total assets | 48.9699% | 4,529 |
| Net loans and leases to deposits | 56.1012% | 4,596 |
| Net loans and leases to core deposits | 71.3830% | 3,988 |
| Total domestic deposits to total assets | 87.2886% | 1,667 |
| Equity capital to assets | 8.5950% | 4,931 |
| Core capital (leverage) ratio | 9.0015% | 4,653 |
| Tier 1 risk-based capital ratio | 13.4629% | 3,621 |
| Total risk-based capital ratio | 14.4826% | 3,658 |
| Memoranda: | ||
| Average total assets | $313,772,000 | 2,104 |
| Average earning assets | $281,872,500 | 2,165 |
| Average equity | $26,757,000 | 2,589 |
| Average total loans | $156,311,500 | 2,621 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 3,773 |
| Cost of funding earning assets | 0.8241% | 1,420 |
| Net interest margin | 3.2644% | 4,350 |
| Noninterest income to average assets | 0.2882% | 4,177 |
| Noninterest expense to average assets | 2.7667% | 2,800 |
| Loan and lease loss provision to assets | 0.6706% | 158 |
| Net operating income to assets | -0.0247% | 5,244 |
| Return on assets (ROA) | 0.0395% | 5,208 |
| Pretax return on assets | -0.0809% | 5,249 |
| Return on Equity (ROE) | 0.4600% | 5,201 |
| Retained earnings to average equity (ytd only) | -4.6180% | 5,233 |
| Net charge-offs to loans | 1.6627% | 66 |
| Credit loss provision to net charge-offs | 84.1401% | 2,798 |
| Earnings coverage of net charge-offs (x) | 0.6379% | 3,683 |
| Efficiency ratio | 84.4762% | 621 |
| Assets per employee ($millions) | 3.9481% | 3,964 |
| Cash dividends to net income (ytd only)* | 1,103.9683% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 2,002 |
| Loan loss allowance to noncurrent loans | 115.2261% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 2.4273% | 325 |
| Noncurrent loans to loans | 1.1347% | 1,410 |
| Net loans and leases to total assets | 49.3437% | 4,563 |
| Net loans and leases to deposits | 56.3659% | 4,647 |
| Net loans and leases to core deposits | 76.3615% | 3,690 |
| Total domestic deposits to total assets | 87.5418% | 1,515 |
| Equity capital to assets | 8.4575% | 4,958 |
| Core capital (leverage) ratio | 9.3014% | 4,354 |
| Tier 1 risk-based capital ratio | 13.8133% | 3,377 |
| Total risk-based capital ratio | 14.7991% | 3,427 |
| Memoranda: | ||
| Average total assets | $318,830,000 | 2,050 |
| Average earning assets | $291,721,800 | 2,067 |
| Average equity | $27,392,600 | 2,490 |
| Average total loans | $152,825,000 | 2,615 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 3,860 |
| Cost of funding earning assets | 0.8015% | 1,329 |
| Net interest margin | 3.2206% | 4,475 |
| Noninterest income to average assets | 0.2835% | 4,258 |
| Noninterest expense to average assets | 2.5046% | 3,581 |
| Loan and lease loss provision to assets | 0.8003% | 114 |
| Net operating income to assets | -0.1246% | 5,333 |
| Return on assets (ROA) | -0.0656% | 5,319 |
| Pretax return on assets | 0.0237% | 5,284 |
| Return on Equity (ROE) | -0.7704% | 5,327 |
| Retained earnings to average equity (ytd only) | -6.9675% | 5,352 |
| Net charge-offs to loans | 1.8329% | 57 |
| Credit loss provision to net charge-offs | 91.9409% | 2,402 |
| Earnings coverage of net charge-offs (x) | 0.8608% | 3,386 |
| Efficiency ratio | 76.9741% | 1,232 |
| Assets per employee ($millions) | 4.2591% | 3,496 |
| Cash dividends to net income (ytd only)* | -804.4337% | 5,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 1,501 |
| Loan loss allowance to noncurrent loans | 30.9334% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 2.4569% | 360 |
| Noncurrent loans to loans | 4.7069% | 147 |
| Net loans and leases to total assets | 48.9138% | 4,669 |
| Net loans and leases to deposits | 58.7306% | 4,607 |
| Net loans and leases to core deposits | 93.0899% | 2,385 |
| Total domestic deposits to total assets | 83.2851% | 3,206 |
| Equity capital to assets | 7.8726% | 5,216 |
| Core capital (leverage) ratio | 8.6642% | 4,989 |
| Tier 1 risk-based capital ratio | 13.6429% | 3,553 |
| Total risk-based capital ratio | 14.7360% | 3,551 |
| Memoranda: | ||
| Average total assets | $321,213,250 | 2,050 |
| Average earning assets | $296,253,000 | 2,052 |
| Average equity | $27,345,250 | 2,499 |
| Average total loans | $152,539,500 | 2,626 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9775% | 3,852 |
| Cost of funding earning assets | 0.7495% | 1,371 |
| Net interest margin | 3.2280% | 4,444 |
| Noninterest income to average assets | 0.2852% | 4,272 |
| Noninterest expense to average assets | 2.4457% | 3,788 |
| Loan and lease loss provision to assets | 0.1294% | 1,530 |
| Net operating income to assets | 0.5905% | 4,522 |
| Return on assets (ROA) | 0.6758% | 4,273 |
| Pretax return on assets | 0.7929% | 4,268 |
| Return on Equity (ROE) | 7.7523% | 3,608 |
| Retained earnings to average equity (ytd only) | 3.2649% | 3,936 |
| Net charge-offs to loans | 0.6779% | 214 |
| Credit loss provision to net charge-offs | 40.7767% | 2,556 |
| Earnings coverage of net charge-offs (x) | 2.5903% | 2,960 |
| Efficiency ratio | 74.8492% | 1,587 |
| Assets per employee ($millions) | 4.6397% | 2,902 |
| Cash dividends to net income (ytd only)* | 57.8851% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 1,664 |
| Loan loss allowance to noncurrent loans | 26.6507% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 2.5914% | 326 |
| Noncurrent loans to loans | 5.3477% | 118 |
| Net loans and leases to total assets | 45.6082% | 4,844 |
| Net loans and leases to deposits | 57.2703% | 4,681 |
| Net loans and leases to core deposits | 91.8181% | 2,420 |
| Total domestic deposits to total assets | 79.6367% | 4,322 |
| Equity capital to assets | 8.5241% | 4,923 |
| Core capital (leverage) ratio | 9.1206% | 4,558 |
| Tier 1 risk-based capital ratio | 14.8668% | 2,937 |
| Total risk-based capital ratio | 15.9151% | 2,957 |
| Memoranda: | ||
| Average total assets | $324,646,330 | 2,036 |
| Average earning assets | $299,935,670 | 2,048 |
| Average equity | $28,301,330 | 2,456 |
| Average total loans | $151,943,670 | 2,645 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9790% | 3,694 |
| Cost of funding earning assets | 0.7272% | 1,304 |
| Net interest margin | 3.2518% | 4,309 |
| Noninterest income to average assets | 0.2949% | 4,189 |
| Noninterest expense to average assets | 2.3885% | 3,976 |
| Loan and lease loss provision to assets | 0.1285% | 1,469 |
| Net operating income to assets | 0.7819% | 3,780 |
| Return on assets (ROA) | 0.7843% | 3,772 |
| Pretax return on assets | 0.7843% | 4,192 |
| Return on Equity (ROE) | 8.9005% | 2,955 |
| Retained earnings to average equity (ytd only) | 8.9005% | 1,494 |
| Net charge-offs to loans | 0.6474% | 232 |
| Credit loss provision to net charge-offs | 42.1687% | 1,999 |
| Earnings coverage of net charge-offs (x) | 2.9880% | 2,417 |
| Efficiency ratio | 72.4036% | 2,135 |
| Assets per employee ($millions) | 5.0279% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,577 |
| Loan loss allowance to noncurrent loans | 37.8351% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.9522% | 592 |
| Noncurrent loans to loans | 3.8882% | 262 |
| Net loans and leases to total assets | 46.5615% | 4,768 |
| Net loans and leases to deposits | 59.0500% | 4,532 |
| Net loans and leases to core deposits | 78.2562% | 3,472 |
| Total domestic deposits to total assets | 78.8510% | 4,603 |
| Equity capital to assets | 8.5905% | 4,907 |
| Core capital (leverage) ratio | 9.1833% | 4,457 |
| Tier 1 risk-based capital ratio | 15.0280% | 2,854 |
| Total risk-based capital ratio | 16.1618% | 2,839 |
| Memoranda: | ||
| Average total assets | $326,899,500 | 2,037 |
| Average earning assets | $301,986,500 | 2,045 |
| Average equity | $28,807,500 | 2,447 |
| Average total loans | $153,855,000 | 2,645 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 3,552 |
| Cost of funding earning assets | 0.6295% | 1,421 |
| Net interest margin | 3.3256% | 4,079 |
| Noninterest income to average assets | 0.2627% | 4,565 |
| Noninterest expense to average assets | 2.3291% | 4,259 |
| Loan and lease loss provision to assets | 0.0786% | 2,622 |
| Net operating income to assets | 0.9340% | 2,526 |
| Return on assets (ROA) | 1.0059% | 2,254 |
| Pretax return on assets | 1.0059% | 3,541 |
| Return on Equity (ROE) | 10.5749% | 1,650 |
| Retained earnings to average equity (ytd only) | 3.1251% | 3,429 |
| Net charge-offs to loans | 0.1660% | 1,479 |
| Credit loss provision to net charge-offs | 101.5936% | 2,519 |
| Earnings coverage of net charge-offs (x) | 13.0837% | 2,424 |
| Efficiency ratio | 69.6964% | 2,608 |
| Assets per employee ($millions) | 4.8953% | 2,608 |
| Cash dividends to net income (ytd only)* | 70.4476% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 1,225 |
| Loan loss allowance to noncurrent loans | 130.2426% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 2,281 |
| Noncurrent loans to loans | 1.2025% | 1,475 |
| Net loans and leases to total assets | 46.2986% | 4,875 |
| Net loans and leases to deposits | 60.8579% | 4,510 |
| Net loans and leases to core deposits | 81.4290% | 3,293 |
| Total domestic deposits to total assets | 76.0766% | 4,972 |
| Equity capital to assets | 9.3114% | 4,416 |
| Core capital (leverage) ratio | 9.1930% | 4,406 |
| Tier 1 risk-based capital ratio | 15.6281% | 2,573 |
| Total risk-based capital ratio | 16.8671% | 2,516 |
| Memoranda: | ||
| Average total assets | $324,288,400 | 2,041 |
| Average earning assets | $300,243,600 | 2,041 |
| Average equity | $30,846,600 | 2,300 |
| Average total loans | $151,193,400 | 2,642 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 3,528 |
| Cost of funding earning assets | 0.5864% | 1,627 |
| Net interest margin | 3.3612% | 3,979 |
| Noninterest income to average assets | 0.2622% | 4,633 |
| Noninterest expense to average assets | 2.2764% | 4,355 |
| Loan and lease loss provision to assets | 0.0618% | 2,836 |
| Net operating income to assets | 1.0391% | 2,376 |
| Return on assets (ROA) | 1.1120% | 2,095 |
| Pretax return on assets | 1.1120% | 3,261 |
| Return on Equity (ROE) | 11.6285% | 1,448 |
| Retained earnings to average equity (ytd only) | 3.8029% | 3,659 |
| Net charge-offs to loans | 0.2242% | 963 |
| Credit loss provision to net charge-offs | 59.2885% | 2,812 |
| Earnings coverage of net charge-offs (x) | 10.5535% | 2,585 |
| Efficiency ratio | 67.4032% | 2,980 |
| Assets per employee ($millions) | 4.8704% | 2,604 |
| Cash dividends to net income (ytd only)* | 67.2970% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 1,426 |
| Loan loss allowance to noncurrent loans | 97.0168% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.7186% | 2,354 |
| Noncurrent loans to loans | 1.5786% | 1,176 |
| Net loans and leases to total assets | 44.8250% | 4,993 |
| Net loans and leases to deposits | 64.1700% | 4,368 |
| Net loans and leases to core deposits | 87.5681% | 2,813 |
| Total domestic deposits to total assets | 69.8536% | 5,482 |
| Equity capital to assets | 9.5782% | 4,367 |
| Core capital (leverage) ratio | 9.1705% | 4,550 |
| Tier 1 risk-based capital ratio | 15.7913% | 2,596 |
| Total risk-based capital ratio | 16.9910% | 2,547 |
| Memoranda: | ||
| Average total assets | $323,364,500 | 2,063 |
| Average earning assets | $299,688,250 | 2,057 |
| Average equity | $30,923,250 | 2,309 |
| Average total loans | $150,424,750 | 2,668 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 3,358 |
| Cost of funding earning assets | 0.5401% | 1,841 |
| Net interest margin | 3.4170% | 3,711 |
| Noninterest income to average assets | 0.2538% | 4,720 |
| Noninterest expense to average assets | 2.3077% | 4,324 |
| Loan and lease loss provision to assets | 0.0374% | 3,264 |
| Net operating income to assets | 1.0725% | 2,116 |
| Return on assets (ROA) | 1.1535% | 1,813 |
| Pretax return on assets | 1.1535% | 2,963 |
| Return on Equity (ROE) | 12.0690% | 1,279 |
| Retained earnings to average equity (ytd only) | 5.7409% | 2,268 |
| Net charge-offs to loans | 0.0013% | 3,477 |
| Credit loss provision to net charge-offs | 6,000.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 1,780.0000% | 30 |
| Efficiency ratio | 67.5242% | 3,090 |
| Assets per employee ($millions) | 5.0880% | 2,290 |
| Cash dividends to net income (ytd only)* | 52.4324% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 1,067 |
| Loan loss allowance to noncurrent loans | 284.6774% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 4,078 |
| Noncurrent loans to loans | 0.5961% | 2,945 |
| Net loans and leases to total assets | 43.2790% | 5,079 |
| Net loans and leases to deposits | 58.7252% | 4,721 |
| Net loans and leases to core deposits | 77.7874% | 3,616 |
| Total domestic deposits to total assets | 73.6976% | 5,321 |
| Equity capital to assets | 9.7333% | 4,196 |
| Core capital (leverage) ratio | 9.3809% | 4,253 |
| Tier 1 risk-based capital ratio | 16.2924% | 2,397 |
| Total risk-based capital ratio | 17.5431% | 2,337 |
| Memoranda: | ||
| Average total assets | $320,756,000 | 2,079 |
| Average earning assets | $296,982,670 | 2,079 |
| Average equity | $30,657,000 | 2,325 |
| Average total loans | $150,311,330 | 2,674 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9162% | 3,342 |
| Cost of funding earning assets | 0.5118% | 1,994 |
| Net interest margin | 3.4044% | 3,644 |
| Noninterest income to average assets | 0.2242% | 4,929 |
| Noninterest expense to average assets | 2.4004% | 4,108 |
| Loan and lease loss provision to assets | 0.0570% | 2,667 |
| Net operating income to assets | 0.9095% | 2,713 |
| Return on assets (ROA) | 0.9627% | 2,524 |
| Pretax return on assets | 0.9627% | 3,531 |
| Return on Equity (ROE) | 10.1705% | 1,893 |
| Retained earnings to average equity (ytd only) | 9.6352% | 896 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2942% | 2,688 |
| Assets per employee ($millions) | 4.7758% | 2,739 |
| Cash dividends to net income (ytd only)* | 5.2632% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 1,166 |
| Loan loss allowance to noncurrent loans | 220.3587% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 3,788 |
| Noncurrent loans to loans | 0.7664% | 2,565 |
| Net loans and leases to total assets | 45.3748% | 4,969 |
| Net loans and leases to deposits | 58.6712% | 4,653 |
| Net loans and leases to core deposits | 76.1811% | 3,637 |
| Total domestic deposits to total assets | 77.3374% | 5,068 |
| Equity capital to assets | 9.6210% | 4,164 |
| Core capital (leverage) ratio | 9.5969% | 4,008 |
| Tier 1 risk-based capital ratio | 16.8690% | 2,228 |
| Total risk-based capital ratio | 18.1201% | 2,192 |
| Memoranda: | ||
| Average total assets | $315,774,500 | 2,118 |
| Average earning assets | $291,506,000 | 2,128 |
| Average equity | $29,890,500 | 2,388 |
| Average total loans | $152,665,500 | 2,666 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 3,401 |
| Cost of funding earning assets | 0.4843% | 2,215 |
| Net interest margin | 3.4617% | 3,576 |
| Noninterest income to average assets | 0.3145% | 4,484 |
| Noninterest expense to average assets | 2.4121% | 4,276 |
| Loan and lease loss provision to assets | 0.0145% | 4,089 |
| Net operating income to assets | 1.0850% | 1,960 |
| Return on assets (ROA) | 1.1178% | 1,916 |
| Pretax return on assets | 1.1178% | 3,031 |
| Return on Equity (ROE) | 10.9935% | 1,578 |
| Retained earnings to average equity (ytd only) | 3.6371% | 3,330 |
| Net charge-offs to loans | 0.1616% | 1,672 |
| Credit loss provision to net charge-offs | 17.7866% | 3,688 |
| Earnings coverage of net charge-offs (x) | 13.5138% | 2,364 |
| Efficiency ratio | 68.6905% | 3,134 |
| Assets per employee ($millions) | 4.8668% | 2,552 |
| Cash dividends to net income (ytd only)* | 66.9160% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 1,632 |
| Loan loss allowance to noncurrent loans | 211.7647% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 3,720 |
| Noncurrent loans to loans | 0.7125% | 2,754 |
| Net loans and leases to total assets | 49.7681% | 4,781 |
| Net loans and leases to deposits | 66.6895% | 4,193 |
| Net loans and leases to core deposits | 87.1600% | 2,759 |
| Total domestic deposits to total assets | 74.6266% | 5,388 |
| Equity capital to assets | 9.3111% | 4,462 |
| Core capital (leverage) ratio | 9.3736% | 4,256 |
| Tier 1 risk-based capital ratio | 15.3038% | 2,839 |
| Total risk-based capital ratio | 16.5546% | 2,773 |
| Memoranda: | ||
| Average total assets | $310,968,600 | 2,108 |
| Average earning assets | $287,201,000 | 2,118 |
| Average equity | $31,618,800 | 2,245 |
| Average total loans | $156,579,000 | 2,561 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 3,362 |
| Cost of funding earning assets | 0.4842% | 2,221 |
| Net interest margin | 3.4795% | 3,542 |
| Noninterest income to average assets | 0.3100% | 4,552 |
| Noninterest expense to average assets | 2.3305% | 4,456 |
| Loan and lease loss provision to assets | 0.0065% | 4,099 |
| Net operating income to assets | 1.1915% | 1,666 |
| Return on assets (ROA) | 1.2354% | 1,601 |
| Pretax return on assets | 1.2354% | 2,680 |
| Return on Equity (ROE) | 11.8945% | 1,361 |
| Retained earnings to average equity (ytd only) | 4.2205% | 3,322 |
| Net charge-offs to loans | 0.2320% | 1,014 |
| Credit loss provision to net charge-offs | 5.5351% | 3,390 |
| Earnings coverage of net charge-offs (x) | 10.2658% | 2,592 |
| Efficiency ratio | 66.0483% | 3,582 |
| Assets per employee ($millions) | 4.8386% | 2,574 |
| Cash dividends to net income (ytd only)* | 64.5173% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 2,007 |
| Loan loss allowance to noncurrent loans | 213.7432% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 3,901 |
| Noncurrent loans to loans | 0.6752% | 2,999 |
| Net loans and leases to total assets | 51.3345% | 4,706 |
| Net loans and leases to deposits | 73.5993% | 3,632 |
| Net loans and leases to core deposits | 93.5932% | 2,221 |
| Total domestic deposits to total assets | 69.7486% | 5,712 |
| Equity capital to assets | 10.5508% | 3,509 |
| Core capital (leverage) ratio | 9.3330% | 4,415 |
| Tier 1 risk-based capital ratio | 14.9658% | 3,068 |
| Total risk-based capital ratio | 16.1700% | 3,017 |
| Memoranda: | ||
| Average total assets | $309,625,000 | 2,120 |
| Average earning assets | $286,395,750 | 2,126 |
| Average equity | $32,159,750 | 2,238 |
| Average total loans | $155,761,250 | 2,572 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 3,395 |
| Cost of funding earning assets | 0.4846% | 2,233 |
| Net interest margin | 3.4733% | 3,598 |
| Noninterest income to average assets | 0.3097% | 4,560 |
| Noninterest expense to average assets | 2.3896% | 4,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1312% | 1,849 |
| Return on assets (ROA) | 1.1799% | 1,762 |
| Pretax return on assets | 1.1799% | 2,859 |
| Return on Equity (ROE) | 11.4210% | 1,504 |
| Retained earnings to average equity (ytd only) | 5.0599% | 2,695 |
| Net charge-offs to loans | 0.0026% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 871.0000% | 58 |
| Efficiency ratio | 67.8716% | 3,371 |
| Assets per employee ($millions) | 4.8019% | 2,555 |
| Cash dividends to net income (ytd only)* | 55.6962% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 1,340 |
| Loan loss allowance to noncurrent loans | 224.9141% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 3,997 |
| Noncurrent loans to loans | 0.7431% | 2,881 |
| Net loans and leases to total assets | 49.3501% | 4,886 |
| Net loans and leases to deposits | 69.1669% | 4,066 |
| Net loans and leases to core deposits | 87.0488% | 2,810 |
| Total domestic deposits to total assets | 71.3493% | 5,708 |
| Equity capital to assets | 10.6122% | 3,518 |
| Core capital (leverage) ratio | 9.3728% | 4,368 |
| Tier 1 risk-based capital ratio | 15.1777% | 2,993 |
| Total risk-based capital ratio | 16.4287% | 2,927 |
| Memoranda: | ||
| Average total assets | $307,997,330 | 2,131 |
| Average earning assets | $284,747,670 | 2,148 |
| Average equity | $31,818,670 | 2,256 |
| Average total loans | $153,076,670 | 2,613 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 3,186 |
| Cost of funding earning assets | 0.4777% | 2,300 |
| Net interest margin | 3.5327% | 3,350 |
| Noninterest income to average assets | 0.3059% | 4,537 |
| Noninterest expense to average assets | 2.4711% | 4,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0930% | 1,931 |
| Return on assets (ROA) | 1.0917% | 2,039 |
| Pretax return on assets | 1.0917% | 3,126 |
| Return on Equity (ROE) | 10.7166% | 1,711 |
| Retained earnings to average equity (ytd only) | 10.3059% | 785 |
| Net charge-offs to loans | 0.0053% | 2,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 418.0000% | 141 |
| Efficiency ratio | 69.3324% | 3,244 |
| Assets per employee ($millions) | 4.6449% | 2,827 |
| Cash dividends to net income (ytd only)* | 3.8323% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 1,354 |
| Loan loss allowance to noncurrent loans | 190.8163% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 3,801 |
| Noncurrent loans to loans | 0.8939% | 2,607 |
| Net loans and leases to total assets | 49.2114% | 4,871 |
| Net loans and leases to deposits | 66.1083% | 4,242 |
| Net loans and leases to core deposits | 82.9840% | 3,050 |
| Total domestic deposits to total assets | 74.4407% | 5,573 |
| Equity capital to assets | 10.3727% | 3,653 |
| Core capital (leverage) ratio | 9.5173% | 4,168 |
| Tier 1 risk-based capital ratio | 15.3715% | 2,983 |
| Total risk-based capital ratio | 16.6227% | 2,922 |
| Memoranda: | ||
| Average total assets | $305,935,500 | 2,149 |
| Average earning assets | $282,164,000 | 2,167 |
| Average equity | $31,166,500 | 2,295 |
| Average total loans | $151,290,000 | 2,626 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 3,191 |
| Cost of funding earning assets | 0.4668% | 2,464 |
| Net interest margin | 3.5643% | 3,265 |
| Noninterest income to average assets | 0.4936% | 3,368 |
| Noninterest expense to average assets | 2.8180% | 3,157 |
| Loan and lease loss provision to assets | 0.0201% | 3,994 |
| Net operating income to assets | 0.9267% | 2,719 |
| Return on assets (ROA) | 1.0875% | 2,043 |
| Pretax return on assets | 1.0875% | 3,121 |
| Return on Equity (ROE) | 10.6858% | 1,730 |
| Retained earnings to average equity (ytd only) | 2.3853% | 4,359 |
| Net charge-offs to loans | -0.0014% | 4,854 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8506% | 2,449 |
| Assets per employee ($millions) | 5.0050% | 2,357 |
| Cash dividends to net income (ytd only)* | 77.6783% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7572% | 1,225 |
| Loan loss allowance to noncurrent loans | 149.6288% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.5739% | 3,376 |
| Noncurrent loans to loans | 1.1744% | 2,013 |
| Net loans and leases to total assets | 47.9771% | 5,014 |
| Net loans and leases to deposits | 65.8040% | 4,330 |
| Net loans and leases to core deposits | 83.3501% | 3,017 |
| Total domestic deposits to total assets | 72.9091% | 5,735 |
| Equity capital to assets | 10.0011% | 3,955 |
| Core capital (leverage) ratio | 9.3436% | 4,404 |
| Tier 1 risk-based capital ratio | 15.3167% | 3,031 |
| Total risk-based capital ratio | 16.5686% | 2,970 |
| Memoranda: | ||
| Average total assets | $297,836,800 | 2,157 |
| Average earning assets | $273,347,800 | 2,180 |
| Average equity | $30,311,200 | 2,300 |
| Average total loans | $138,553,000 | 2,743 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0002% | 3,343 |
| Cost of funding earning assets | 0.4646% | 2,537 |
| Net interest margin | 3.5356% | 3,404 |
| Noninterest income to average assets | 0.5640% | 2,958 |
| Noninterest expense to average assets | 2.7763% | 3,284 |
| Loan and lease loss provision to assets | 0.0270% | 3,718 |
| Net operating income to assets | 1.0073% | 2,436 |
| Return on assets (ROA) | 1.1145% | 2,022 |
| Pretax return on assets | 1.1145% | 3,158 |
| Return on Equity (ROE) | 10.9024% | 1,742 |
| Retained earnings to average equity (ytd only) | 1.6922% | 5,021 |
| Net charge-offs to loans | 0.0029% | 4,084 |
| Credit loss provision to net charge-offs | 2,000.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 765.3150% | 100 |
| Efficiency ratio | 72.8573% | 2,743 |
| Assets per employee ($millions) | 5.0900% | 2,190 |
| Cash dividends to net income (ytd only)* | 84.4788% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7765% | 1,309 |
| Loan loss allowance to noncurrent loans | 182.4843% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.6738% | 3,232 |
| Noncurrent loans to loans | 0.9735% | 2,545 |
| Net loans and leases to total assets | 46.5666% | 5,189 |
| Net loans and leases to deposits | 68.6855% | 4,124 |
| Net loans and leases to core deposits | 88.1589% | 2,648 |
| Total domestic deposits to total assets | 67.7968% | 6,045 |
| Equity capital to assets | 9.6441% | 4,584 |
| Core capital (leverage) ratio | 9.2757% | 4,615 |
| Tier 1 risk-based capital ratio | 15.0795% | 3,256 |
| Total risk-based capital ratio | 16.3312% | 3,192 |
| Memoranda: | ||
| Average total assets | $295,969,500 | 2,188 |
| Average earning assets | $271,777,250 | 2,208 |
| Average equity | $30,255,500 | 2,315 |
| Average total loans | $135,917,000 | 2,801 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 3,223 |
| Cost of funding earning assets | 0.4579% | 2,630 |
| Net interest margin | 3.5574% | 3,257 |
| Noninterest income to average assets | 0.3167% | 4,690 |
| Noninterest expense to average assets | 2.7314% | 3,485 |
| Loan and lease loss provision to assets | 0.0412% | 3,287 |
| Net operating income to assets | 0.7996% | 3,390 |
| Return on assets (ROA) | 0.9631% | 2,681 |
| Pretax return on assets | 0.9631% | 3,726 |
| Return on Equity (ROE) | 9.2360% | 2,414 |
| Retained earnings to average equity (ytd only) | 0.1647% | 5,452 |
| Net charge-offs to loans | 0.0045% | 3,742 |
| Credit loss provision to net charge-offs | 2,000.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 408.0000% | 161 |
| Efficiency ratio | 76.4615% | 2,285 |
| Assets per employee ($millions) | 4.8962% | 2,402 |
| Cash dividends to net income (ytd only)* | 98.2168% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9470% | 1,076 |
| Loan loss allowance to noncurrent loans | 814.6417% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.8920% | 2,760 |
| Noncurrent loans to loans | 0.2390% | 4,807 |
| Net loans and leases to total assets | 44.0940% | 5,374 |
| Net loans and leases to deposits | 62.5411% | 4,660 |
| Net loans and leases to core deposits | 82.5970% | 3,118 |
| Total domestic deposits to total assets | 70.5040% | 6,014 |
| Equity capital to assets | 9.8426% | 4,231 |
| Core capital (leverage) ratio | 9.3780% | 4,450 |
| Tier 1 risk-based capital ratio | 15.9174% | 2,895 |
| Total risk-based capital ratio | 17.1701% | 2,857 |
| Memoranda: | ||
| Average total assets | $291,129,000 | 2,228 |
| Average earning assets | $266,433,000 | 2,260 |
| Average equity | $30,359,330 | 2,316 |
| Average total loans | $132,156,000 | 2,874 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0408% | 3,081 |
| Cost of funding earning assets | 0.4588% | 2,692 |
| Net interest margin | 3.5820% | 3,074 |
| Noninterest income to average assets | 0.3202% | 4,626 |
| Noninterest expense to average assets | 2.5668% | 4,042 |
| Loan and lease loss provision to assets | 0.0835% | 2,299 |
| Net operating income to assets | 0.9410% | 2,552 |
| Return on assets (ROA) | 0.9424% | 2,680 |
| Pretax return on assets | 0.9424% | 3,730 |
| Return on Equity (ROE) | 8.7807% | 2,557 |
| Retained earnings to average equity (ytd only) | 3.3333% | 3,980 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4729% | 3,255 |
| Assets per employee ($millions) | 4.8074% | 2,613 |
| Cash dividends to net income (ytd only)* | 62.0384% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0014% | 1,076 |
| Loan loss allowance to noncurrent loans | 756.6474% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.9170% | 2,805 |
| Noncurrent loans to loans | 0.2645% | 4,832 |
| Net loans and leases to total assets | 43.7144% | 5,371 |
| Net loans and leases to deposits | 61.1847% | 4,646 |
| Net loans and leases to core deposits | 81.1898% | 3,035 |
| Total domestic deposits to total assets | 71.4466% | 6,064 |
| Equity capital to assets | 10.5671% | 3,462 |
| Core capital (leverage) ratio | 9.7499% | 3,957 |
| Tier 1 risk-based capital ratio | 16.9403% | 2,498 |
| Total risk-based capital ratio | 18.1944% | 2,452 |
| Memoranda: | ||
| Average total assets | $287,358,000 | 2,269 |
| Average earning assets | $262,424,000 | 2,298 |
| Average equity | $30,840,500 | 2,302 |
| Average total loans | $131,078,500 | 2,901 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1610% | 3,081 |
| Cost of funding earning assets | 0.4851% | 2,829 |
| Net interest margin | 3.6759% | 3,099 |
| Noninterest income to average assets | 0.4243% | 4,012 |
| Noninterest expense to average assets | 2.3279% | 5,034 |
| Loan and lease loss provision to assets | 0.2756% | 776 |
| Net operating income to assets | 1.2100% | 1,554 |
| Return on assets (ROA) | 1.2641% | 1,447 |
| Pretax return on assets | 1.2641% | 2,372 |
| Return on Equity (ROE) | 12.2695% | 1,332 |
| Retained earnings to average equity (ytd only) | 3.2274% | 3,935 |
| Net charge-offs to loans | 0.0391% | 4,041 |
| Credit loss provision to net charge-offs | 1,580.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 85.1600% | 595 |
| Efficiency ratio | 61.0430% | 5,058 |
| Assets per employee ($millions) | 5.0262% | 2,287 |
| Cash dividends to net income (ytd only)* | 73.6958% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 1,207 |
| Loan loss allowance to noncurrent loans | 716.5266% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.9593% | 2,840 |
| Noncurrent loans to loans | 0.2718% | 4,877 |
| Net loans and leases to total assets | 45.7563% | 5,345 |
| Net loans and leases to deposits | 60.7998% | 4,830 |
| Net loans and leases to core deposits | 81.0487% | 3,192 |
| Total domestic deposits to total assets | 75.2573% | 5,828 |
| Equity capital to assets | 10.9047% | 3,005 |
| Core capital (leverage) ratio | 9.7597% | 3,885 |
| Tier 1 risk-based capital ratio | 16.5220% | 2,702 |
| Total risk-based capital ratio | 17.7756% | 2,650 |
| Memoranda: | ||
| Average total assets | $286,607,000 | 2,233 |
| Average earning assets | $264,264,800 | 2,239 |
| Average equity | $29,528,600 | 2,301 |
| Average total loans | $127,820,200 | 2,905 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1512% | 3,165 |
| Cost of funding earning assets | 0.4823% | 2,933 |
| Net interest margin | 3.6689% | 3,159 |
| Noninterest income to average assets | 0.3691% | 4,474 |
| Noninterest expense to average assets | 2.1809% | 5,390 |
| Loan and lease loss provision to assets | 0.2918% | 682 |
| Net operating income to assets | 1.2930% | 1,389 |
| Return on assets (ROA) | 1.3352% | 1,332 |
| Pretax return on assets | 1.3352% | 2,254 |
| Return on Equity (ROE) | 13.1472% | 1,187 |
| Retained earnings to average equity (ytd only) | 3.1785% | 4,367 |
| Net charge-offs to loans | 0.0010% | 4,674 |
| Credit loss provision to net charge-offs | 63,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 3,430.4887% | 13 |
| Efficiency ratio | 57.9142% | 5,460 |
| Assets per employee ($millions) | 5.1546% | 2,075 |
| Cash dividends to net income (ytd only)* | 75.8238% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 1,482 |
| Loan loss allowance to noncurrent loans | 1,036.8644% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 3,785 |
| Noncurrent loans to loans | 0.1818% | 5,366 |
| Net loans and leases to total assets | 44.9170% | 5,459 |
| Net loans and leases to deposits | 63.6571% | 4,579 |
| Net loans and leases to core deposits | 87.0261% | 2,540 |
| Total domestic deposits to total assets | 70.5608% | 6,256 |
| Equity capital to assets | 10.6203% | 3,409 |
| Core capital (leverage) ratio | 9.7627% | 3,976 |
| Tier 1 risk-based capital ratio | 16.3882% | 2,858 |
| Total risk-based capital ratio | 17.6404% | 2,815 |
| Memoranda: | ||
| Average total assets | $287,892,500 | 2,239 |
| Average earning assets | $266,519,000 | 2,234 |
| Average equity | $29,237,500 | 2,332 |
| Average total loans | $126,938,750 | 2,932 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1633% | 3,089 |
| Cost of funding earning assets | 0.4875% | 2,951 |
| Net interest margin | 3.6758% | 3,045 |
| Noninterest income to average assets | 0.3622% | 4,526 |
| Noninterest expense to average assets | 2.2001% | 5,411 |
| Loan and lease loss provision to assets | 0.3110% | 624 |
| Net operating income to assets | 1.2593% | 1,420 |
| Return on assets (ROA) | 1.3222% | 1,296 |
| Pretax return on assets | 1.3222% | 2,178 |
| Return on Equity (ROE) | 13.2173% | 1,120 |
| Retained earnings to average equity (ytd only) | 4.8019% | 3,088 |
| Net charge-offs to loans | 0.0016% | 4,343 |
| Credit loss provision to net charge-offs | 45,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 2,272.0000% | 17 |
| Efficiency ratio | 58.3501% | 5,510 |
| Assets per employee ($millions) | 5.2866% | 1,886 |
| Cash dividends to net income (ytd only)* | 63.6696% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8117% | 1,819 |
| Loan loss allowance to noncurrent loans | 868.5824% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.6981% | 3,887 |
| Noncurrent loans to loans | 0.2086% | 5,394 |
| Net loans and leases to total assets | 43.8497% | 5,543 |
| Net loans and leases to deposits | 59.4380% | 4,915 |
| Net loans and leases to core deposits | 81.5693% | 3,021 |
| Total domestic deposits to total assets | 73.7740% | 6,132 |
| Equity capital to assets | 10.8351% | 3,045 |
| Core capital (leverage) ratio | 9.5941% | 4,185 |
| Tier 1 risk-based capital ratio | 17.0615% | 2,593 |
| Total risk-based capital ratio | 18.3135% | 2,555 |
| Memoranda: | ||
| Average total assets | $289,355,670 | 2,231 |
| Average earning assets | $268,295,000 | 2,221 |
| Average equity | $28,947,000 | 2,347 |
| Average total loans | $125,989,000 | 2,945 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 3,100 |
| Cost of funding earning assets | 0.4969% | 2,937 |
| Net interest margin | 3.6487% | 3,067 |
| Noninterest income to average assets | 0.3987% | 4,199 |
| Noninterest expense to average assets | 2.3379% | 5,099 |
| Loan and lease loss provision to assets | 0.3062% | 622 |
| Net operating income to assets | 1.1322% | 1,690 |
| Return on assets (ROA) | 1.2560% | 1,385 |
| Pretax return on assets | 1.2560% | 2,261 |
| Return on Equity (ROE) | 13.0732% | 1,144 |
| Retained earnings to average equity (ytd only) | 9.5322% | 1,096 |
| Net charge-offs to loans | 0.0032% | 3,612 |
| Credit loss provision to net charge-offs | 22,500.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 1,057.0000% | 22 |
| Efficiency ratio | 61.9099% | 5,133 |
| Assets per employee ($millions) | 5.3746% | 1,832 |
| Cash dividends to net income (ytd only)* | 27.0856% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 2,767 |
| Loan loss allowance to noncurrent loans | 729.2857% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 4,070 |
| Noncurrent loans to loans | 0.2173% | 5,444 |
| Net loans and leases to total assets | 43.6947% | 5,540 |
| Net loans and leases to deposits | 61.2846% | 4,626 |
| Net loans and leases to core deposits | 85.9938% | 2,320 |
| Total domestic deposits to total assets | 71.2979% | 6,394 |
| Equity capital to assets | 9.9538% | 3,900 |
| Core capital (leverage) ratio | 9.2269% | 4,680 |
| Tier 1 risk-based capital ratio | 16.4674% | 2,912 |
| Total risk-based capital ratio | 17.6966% | 2,893 |
| Memoranda: | ||
| Average total assets | $293,938,000 | 2,205 |
| Average earning assets | $272,099,500 | 2,202 |
| Average equity | $28,241,000 | 2,386 |
| Average total loans | $126,418,500 | 2,935 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 4,529 |
| Cost of funding earning assets | 0.5183% | 3,411 |
| Net interest margin | 3.3648% | 4,422 |
| Noninterest income to average assets | 0.5594% | 3,334 |
| Noninterest expense to average assets | 2.1979% | 5,631 |
| Loan and lease loss provision to assets | 0.2781% | 1,247 |
| Net operating income to assets | 1.2488% | 1,397 |
| Return on assets (ROA) | 1.3021% | 1,287 |
| Pretax return on assets | 1.3021% | 2,142 |
| Return on Equity (ROE) | 13.6150% | 1,037 |
| Retained earnings to average equity (ytd only) | 3.9710% | 3,371 |
| Net charge-offs to loans | 0.1998% | 2,874 |
| Credit loss provision to net charge-offs | 378.5047% | 599 |
| Earnings coverage of net charge-offs (x) | 20.7804% | 1,526 |
| Efficiency ratio | 59.0063% | 5,604 |
| Assets per employee ($millions) | 5.4117% | 1,742 |
| Cash dividends to net income (ytd only)* | 70.8333% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 3,350 |
| Loan loss allowance to noncurrent loans | 622.6027% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.8288% | 3,821 |
| Noncurrent loans to loans | 0.2355% | 5,476 |
| Net loans and leases to total assets | 41.0427% | 5,890 |
| Net loans and leases to deposits | 57.1775% | 5,192 |
| Net loans and leases to core deposits | 80.1893% | 3,110 |
| Total domestic deposits to total assets | 71.7812% | 6,438 |
| Equity capital to assets | 9.2704% | 4,720 |
| Core capital (leverage) ratio | 9.0107% | 4,982 |
| Tier 1 risk-based capital ratio | 16.1297% | 3,042 |
| Total risk-based capital ratio | 17.2286% | 3,060 |
| Memoranda: | ||
| Average total assets | $291,229,400 | 2,202 |
| Average earning assets | $273,981,600 | 2,150 |
| Average equity | $27,851,600 | 2,390 |
| Average total loans | $107,130,200 | 3,302 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 4,856 |
| Cost of funding earning assets | 0.5179% | 3,586 |
| Net interest margin | 3.2829% | 4,707 |
| Noninterest income to average assets | 0.5971% | 3,163 |
| Noninterest expense to average assets | 2.1531% | 5,716 |
| Loan and lease loss provision to assets | 0.2762% | 1,259 |
| Net operating income to assets | 1.2724% | 1,421 |
| Return on assets (ROA) | 1.3203% | 1,352 |
| Pretax return on assets | 1.3203% | 2,260 |
| Return on Equity (ROE) | 13.6978% | 1,068 |
| Retained earnings to average equity (ytd only) | 3.5916% | 4,137 |
| Net charge-offs to loans | 0.2772% | 2,163 |
| Credit loss provision to net charge-offs | 280.3738% | 910 |
| Earnings coverage of net charge-offs (x) | 15.7194% | 1,842 |
| Efficiency ratio | 58.1644% | 5,663 |
| Assets per employee ($millions) | 5.2142% | 1,921 |
| Cash dividends to net income (ytd only)* | 73.7796% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 3,830 |
| Loan loss allowance to noncurrent loans | 517.0418% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.8514% | 3,989 |
| Noncurrent loans to loans | 0.2737% | 5,549 |
| Net loans and leases to total assets | 38.3611% | 6,151 |
| Net loans and leases to deposits | 56.1092% | 5,370 |
| Net loans and leases to core deposits | 79.0120% | 3,227 |
| Total domestic deposits to total assets | 68.3687% | 6,655 |
| Equity capital to assets | 8.7768% | 5,442 |
| Core capital (leverage) ratio | 9.0517% | 5,045 |
| Tier 1 risk-based capital ratio | 17.5122% | 2,504 |
| Total risk-based capital ratio | 18.5818% | 2,541 |
| Memoranda: | ||
| Average total assets | $289,625,250 | 2,220 |
| Average earning assets | $273,893,750 | 2,159 |
| Average equity | $27,916,250 | 2,416 |
| Average total loans | $102,917,750 | 3,406 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7617% | 4,951 |
| Cost of funding earning assets | 0.5243% | 3,659 |
| Net interest margin | 3.2374% | 4,814 |
| Noninterest income to average assets | 0.7007% | 2,633 |
| Noninterest expense to average assets | 2.1410% | 5,774 |
| Loan and lease loss provision to assets | 0.3047% | 1,177 |
| Net operating income to assets | 1.3122% | 1,294 |
| Return on assets (ROA) | 1.3842% | 1,201 |
| Pretax return on assets | 1.3842% | 1,990 |
| Return on Equity (ROE) | 13.9405% | 1,019 |
| Retained earnings to average equity (ytd only) | 4.4144% | 3,464 |
| Net charge-offs to loans | 0.4932% | 1,326 |
| Credit loss provision to net charge-offs | 179.5918% | 1,332 |
| Earnings coverage of net charge-offs (x) | 9.5306% | 2,271 |
| Efficiency ratio | 56.9744% | 5,856 |
| Assets per employee ($millions) | 5.0781% | 2,022 |
| Cash dividends to net income (ytd only)* | 68.3342% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 4,486 |
| Loan loss allowance to noncurrent loans | 292.1649% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 1.2282% | 3,299 |
| Noncurrent loans to loans | 0.4466% | 5,147 |
| Net loans and leases to total assets | 37.0303% | 6,236 |
| Net loans and leases to deposits | 53.9304% | 5,527 |
| Net loans and leases to core deposits | 73.3968% | 3,883 |
| Total domestic deposits to total assets | 68.6632% | 6,702 |
| Equity capital to assets | 9.1020% | 5,099 |
| Core capital (leverage) ratio | 9.0339% | 4,933 |
| Tier 1 risk-based capital ratio | 18.0058% | 2,316 |
| Total risk-based capital ratio | 18.9793% | 2,391 |
| Memoranda: | ||
| Average total assets | $288,835,000 | 2,230 |
| Average earning assets | $272,750,330 | 2,173 |
| Average equity | $28,679,000 | 2,371 |
| Average total loans | $99,350,000 | 3,508 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7107% | 5,127 |
| Cost of funding earning assets | 0.5276% | 3,807 |
| Net interest margin | 3.1832% | 4,985 |
| Noninterest income to average assets | 1.0938% | 1,232 |
| Noninterest expense to average assets | 2.1211% | 5,866 |
| Loan and lease loss provision to assets | 0.4644% | 599 |
| Net operating income to assets | 1.5111% | 839 |
| Return on assets (ROA) | 1.6206% | 737 |
| Pretax return on assets | 1.6206% | 1,255 |
| Return on Equity (ROE) | 15.6674% | 653 |
| Retained earnings to average equity (ytd only) | 12.3168% | 655 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7766% | 6,393 |
| Assets per employee ($millions) | 5.2726% | 1,899 |
| Cash dividends to net income (ytd only)* | 21.3858% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5757% | 3,502 |
| Loan loss allowance to noncurrent loans | 88.8192% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.3545% | 3,247 |
| Noncurrent loans to loans | 1.7741% | 2,905 |
| Net loans and leases to total assets | 33.5368% | 6,440 |
| Net loans and leases to deposits | 48.4920% | 5,888 |
| Net loans and leases to core deposits | 64.5886% | 4,690 |
| Total domestic deposits to total assets | 69.1595% | 6,778 |
| Equity capital to assets | 10.3002% | 3,797 |
| Core capital (leverage) ratio | 9.2734% | 4,448 |
| Tier 1 risk-based capital ratio | 19.4811% | 1,912 |
| Total risk-based capital ratio | 20.6258% | 1,915 |
| Memoranda: | ||
| Average total assets | $288,526,500 | 2,260 |
| Average earning assets | $272,182,500 | 2,202 |
| Average equity | $29,845,500 | 2,307 |
| Average total loans | $94,724,000 | 3,636 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 5,613 |
| Cost of funding earning assets | 0.7185% | 3,339 |
| Net interest margin | 3.1679% | 5,648 |
| Noninterest income to average assets | 0.3209% | 5,164 |
| Noninterest expense to average assets | 2.1352% | 6,052 |
| Loan and lease loss provision to assets | 0.0705% | 4,859 |
| Net operating income to assets | 1.1005% | 1,934 |
| Return on assets (ROA) | 1.2284% | 1,674 |
| Pretax return on assets | 1.2284% | 2,687 |
| Return on Equity (ROE) | 11.3905% | 1,687 |
| Retained earnings to average equity (ytd only) | 3.6161% | 3,663 |
| Net charge-offs to loans | 0.5852% | 1,977 |
| Credit loss provision to net charge-offs | 48.4262% | 4,732 |
| Earnings coverage of net charge-offs (x) | 8.0484% | 2,483 |
| Efficiency ratio | 64.5818% | 4,781 |
| Assets per employee ($millions) | 5.0361% | 2,189 |
| Cash dividends to net income (ytd only)* | 68.2535% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 4,413 |
| Loan loss allowance to noncurrent loans | 69.0786% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.3739% | 3,337 |
| Noncurrent loans to loans | 1.9518% | 2,747 |
| Net loans and leases to total assets | 31.1484% | 6,661 |
| Net loans and leases to deposits | 44.9023% | 6,314 |
| Net loans and leases to core deposits | 55.8488% | 5,722 |
| Total domestic deposits to total assets | 69.3693% | 6,810 |
| Equity capital to assets | 10.3885% | 3,656 |
| Core capital (leverage) ratio | 8.9749% | 4,934 |
| Tier 1 risk-based capital ratio | 19.9057% | 1,703 |
| Total risk-based capital ratio | 20.8567% | 1,751 |
| Memoranda: | ||
| Average total assets | $283,859,800 | 2,243 |
| Average earning assets | $267,492,200 | 2,173 |
| Average equity | $30,613,200 | 2,215 |
| Average total loans | $70,568,200 | 4,343 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8952% | 5,798 |
| Cost of funding earning assets | 0.7691% | 3,201 |
| Net interest margin | 3.1261% | 5,882 |
| Noninterest income to average assets | 0.2869% | 5,487 |
| Noninterest expense to average assets | 1.9303% | 6,470 |
| Loan and lease loss provision to assets | 0.0659% | 4,875 |
| Net operating income to assets | 1.2412% | 1,601 |
| Return on assets (ROA) | 1.4121% | 1,314 |
| Pretax return on assets | 1.4121% | 2,195 |
| Return on Equity (ROE) | 12.9733% | 1,346 |
| Retained earnings to average equity (ytd only) | 4.7081% | 3,589 |
| Net charge-offs to loans | 0.8400% | 1,307 |
| Credit loss provision to net charge-offs | 33.8983% | 4,728 |
| Earnings coverage of net charge-offs (x) | 6.7192% | 2,729 |
| Efficiency ratio | 59.6246% | 5,561 |
| Assets per employee ($millions) | 5.0409% | 2,132 |
| Cash dividends to net income (ytd only)* | 63.7091% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 4,165 |
| Loan loss allowance to noncurrent loans | 213.9963% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 1.2230% | 3,847 |
| Noncurrent loans to loans | 0.6769% | 5,090 |
| Net loans and leases to total assets | 27.5139% | 6,891 |
| Net loans and leases to deposits | 42.7067% | 6,564 |
| Net loans and leases to core deposits | 54.0199% | 6,044 |
| Total domestic deposits to total assets | 64.4253% | 7,007 |
| Equity capital to assets | 11.0489% | 3,210 |
| Core capital (leverage) ratio | 9.0552% | 4,980 |
| Tier 1 risk-based capital ratio | 21.3932% | 1,441 |
| Total risk-based capital ratio | 22.3659% | 1,470 |
| Memoranda: | ||
| Average total assets | $283,060,250 | 2,272 |
| Average earning assets | $267,159,750 | 2,209 |
| Average equity | $30,811,250 | 2,227 |
| Average total loans | $65,551,250 | 4,572 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 5,817 |
| Cost of funding earning assets | 0.8506% | 2,789 |
| Net interest margin | 3.0883% | 6,041 |
| Noninterest income to average assets | 0.2514% | 5,781 |
| Noninterest expense to average assets | 1.9933% | 6,450 |
| Loan and lease loss provision to assets | 0.0533% | 4,999 |
| Net operating income to assets | 1.1156% | 1,993 |
| Return on assets (ROA) | 1.3734% | 1,410 |
| Pretax return on assets | 1.3734% | 2,310 |
| Return on Equity (ROE) | 12.6822% | 1,450 |
| Retained earnings to average equity (ytd only) | 4.8788% | 3,346 |
| Net charge-offs to loans | 1.3616% | 760 |
| Credit loss provision to net charge-offs | 18.1598% | 4,640 |
| Earnings coverage of net charge-offs (x) | 3.9855% | 3,208 |
| Efficiency ratio | 63.0362% | 5,075 |
| Assets per employee ($millions) | 4.7466% | 2,508 |
| Cash dividends to net income (ytd only)* | 61.5305% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 3,142 |
| Loan loss allowance to noncurrent loans | 194.1593% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 1.2623% | 3,900 |
| Noncurrent loans to loans | 0.8863% | 4,720 |
| Net loans and leases to total assets | 22.3713% | 7,055 |
| Net loans and leases to deposits | 32.3801% | 6,955 |
| Net loans and leases to core deposits | 41.0009% | 6,776 |
| Total domestic deposits to total assets | 69.0896% | 6,949 |
| Equity capital to assets | 10.9973% | 3,121 |
| Core capital (leverage) ratio | 9.0667% | 4,811 |
| Tier 1 risk-based capital ratio | 24.5256% | 954 |
| Total risk-based capital ratio | 25.5926% | 956 |
| Memoranda: | ||
| Average total assets | $281,636,670 | 2,291 |
| Average earning assets | $265,450,670 | 2,220 |
| Average equity | $30,499,330 | 2,232 |
| Average total loans | $60,662,330 | 4,760 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9357% | 5,932 |
| Cost of funding earning assets | 1.0482% | 1,689 |
| Net interest margin | 2.8875% | 6,504 |
| Noninterest income to average assets | 0.1062% | 6,711 |
| Noninterest expense to average assets | 2.0904% | 6,289 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7351% | 3,711 |
| Return on assets (ROA) | 1.2492% | 1,775 |
| Pretax return on assets | 1.2492% | 2,726 |
| Return on Equity (ROE) | 11.6244% | 1,799 |
| Retained earnings to average equity (ytd only) | 8.3295% | 1,848 |
| Net charge-offs to loans | 0.0135% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 259.5000% | 134 |
| Efficiency ratio | 73.9850% | 3,103 |
| Assets per employee ($millions) | 4.6307% | 2,760 |
| Cash dividends to net income (ytd only)* | 28.3447% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3407% | 1,604 |
| Loan loss allowance to noncurrent loans | 76.1424% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.3216% | 3,905 |
| Noncurrent loans to loans | 3.0741% | 2,085 |
| Net loans and leases to total assets | 21.5190% | 7,118 |
| Net loans and leases to deposits | 31.1202% | 7,028 |
| Net loans and leases to core deposits | 39.5582% | 6,830 |
| Total domestic deposits to total assets | 69.1480% | 7,017 |
| Equity capital to assets | 10.8363% | 3,099 |
| Core capital (leverage) ratio | 9.0139% | 4,819 |
| Tier 1 risk-based capital ratio | 25.7150% | 831 |
| Total risk-based capital ratio | 26.9679% | 810 |
| Memoranda: | ||
| Average total assets | $282,429,500 | 2,299 |
| Average earning assets | $265,972,500 | 2,230 |
| Average equity | $30,350,000 | 2,242 |
| Average total loans | $59,119,500 | 4,852 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 5,508 |
| Cost of funding earning assets | 1.0187% | 3,249 |
| Net interest margin | 3.3591% | 5,614 |
| Noninterest income to average assets | 0.3454% | 5,043 |
| Noninterest expense to average assets | 2.0994% | 6,497 |
| Loan and lease loss provision to assets | 0.1330% | 4,949 |
| Net operating income to assets | 1.2749% | 1,306 |
| Return on assets (ROA) | 1.3877% | 1,139 |
| Pretax return on assets | 1.3877% | 1,818 |
| Return on Equity (ROE) | 13.0793% | 1,142 |
| Retained earnings to average equity (ytd only) | 1.8785% | 4,872 |
| Net charge-offs to loans | 0.2204% | 4,408 |
| Credit loss provision to net charge-offs | 258.6207% | 934 |
| Earnings coverage of net charge-offs (x) | 27.3793% | 910 |
| Efficiency ratio | 59.8584% | 5,780 |
| Assets per employee ($millions) | 4.7052% | 2,593 |
| Cash dividends to net income (ytd only)* | 85.6376% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5168% | 1,292 |
| Loan loss allowance to noncurrent loans | 81.4415% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.3459% | 3,984 |
| Noncurrent loans to loans | 3.0903% | 2,092 |
| Net loans and leases to total assets | 19.3655% | 7,216 |
| Net loans and leases to deposits | 26.6836% | 7,184 |
| Net loans and leases to core deposits | 33.4658% | 7,086 |
| Total domestic deposits to total assets | 72.5744% | 6,841 |
| Equity capital to assets | 10.6586% | 3,354 |
| Core capital (leverage) ratio | 8.5372% | 5,500 |
| Tier 1 risk-based capital ratio | 25.8791% | 790 |
| Total risk-based capital ratio | 27.1324% | 777 |
| Memoranda: | ||
| Average total assets | $281,985,400 | 2,251 |
| Average earning assets | $265,431,400 | 2,201 |
| Average equity | $29,917,600 | 2,206 |
| Average total loans | $65,803,800 | 4,638 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4549% | 5,413 |
| Cost of funding earning assets | 1.0592% | 3,255 |
| Net interest margin | 3.3957% | 5,593 |
| Noninterest income to average assets | 0.3534% | 5,029 |
| Noninterest expense to average assets | 2.0632% | 6,564 |
| Loan and lease loss provision to assets | 0.1781% | 4,252 |
| Net operating income to assets | 1.3113% | 1,345 |
| Return on assets (ROA) | 1.4187% | 1,190 |
| Pretax return on assets | 1.4187% | 1,887 |
| Return on Equity (ROE) | 13.3872% | 1,187 |
| Retained earnings to average equity (ytd only) | 2.9356% | 4,595 |
| Net charge-offs to loans | 0.2824% | 3,672 |
| Credit loss provision to net charge-offs | 260.4167% | 1,098 |
| Earnings coverage of net charge-offs (x) | 21.7772% | 1,172 |
| Efficiency ratio | 58.0749% | 5,999 |
| Assets per employee ($millions) | 4.6573% | 2,680 |
| Cash dividends to net income (ytd only)* | 78.0717% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3789% | 1,571 |
| Loan loss allowance to noncurrent loans | 69.4055% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.4788% | 3,901 |
| Noncurrent loans to loans | 3.4275% | 2,002 |
| Net loans and leases to total assets | 20.4082% | 7,280 |
| Net loans and leases to deposits | 30.4735% | 7,212 |
| Net loans and leases to core deposits | 39.0041% | 7,064 |
| Total domestic deposits to total assets | 66.9703% | 7,172 |
| Equity capital to assets | 11.4652% | 2,713 |
| Core capital (leverage) ratio | 8.6290% | 5,507 |
| Tier 1 risk-based capital ratio | 24.7783% | 938 |
| Total risk-based capital ratio | 26.0302% | 921 |
| Memoranda: | ||
| Average total assets | $280,727,750 | 2,275 |
| Average earning assets | $264,481,000 | 2,217 |
| Average equity | $29,749,000 | 2,210 |
| Average total loans | $68,000,500 | 4,597 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5064% | 5,333 |
| Cost of funding earning assets | 1.1075% | 3,184 |
| Net interest margin | 3.3989% | 5,561 |
| Noninterest income to average assets | 0.3676% | 4,939 |
| Noninterest expense to average assets | 2.0938% | 6,606 |
| Loan and lease loss provision to assets | 0.1978% | 3,951 |
| Net operating income to assets | 1.2789% | 1,373 |
| Return on assets (ROA) | 1.3933% | 1,165 |
| Pretax return on assets | 1.3933% | 1,812 |
| Return on Equity (ROE) | 13.5313% | 1,079 |
| Retained earnings to average equity (ytd only) | 2.5917% | 4,645 |
| Net charge-offs to loans | 0.4082% | 2,919 |
| Credit loss provision to net charge-offs | 190.9722% | 1,582 |
| Earnings coverage of net charge-offs (x) | 14.2569% | 1,492 |
| Efficiency ratio | 58.6422% | 6,079 |
| Assets per employee ($millions) | 4.4837% | 2,868 |
| Cash dividends to net income (ytd only)* | 80.8467% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0550% | 2,223 |
| Loan loss allowance to noncurrent loans | 70.2049% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.5981% | 3,803 |
| Noncurrent loans to loans | 2.9272% | 2,490 |
| Net loans and leases to total assets | 23.2815% | 7,324 |
| Net loans and leases to deposits | 33.6298% | 7,232 |
| Net loans and leases to core deposits | 43.6433% | 7,019 |
| Total domestic deposits to total assets | 69.2287% | 7,145 |
| Equity capital to assets | 11.0433% | 2,908 |
| Core capital (leverage) ratio | 8.8831% | 4,910 |
| Tier 1 risk-based capital ratio | 23.9966% | 1,007 |
| Total risk-based capital ratio | 25.2478% | 991 |
| Memoranda: | ||
| Average total assets | $278,053,000 | 2,308 |
| Average earning assets | $262,025,000 | 2,236 |
| Average equity | $28,630,000 | 2,272 |
| Average total loans | $70,545,670 | 4,552 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5087% | 5,308 |
| Cost of funding earning assets | 1.1681% | 3,034 |
| Net interest margin | 3.3406% | 5,641 |
| Noninterest income to average assets | 0.3496% | 5,108 |
| Noninterest expense to average assets | 2.1946% | 6,438 |
| Loan and lease loss provision to assets | 0.2497% | 3,161 |
| Net operating income to assets | 1.0473% | 2,008 |
| Return on assets (ROA) | 1.1986% | 1,574 |
| Pretax return on assets | 1.1986% | 2,375 |
| Return on Equity (ROE) | 12.0677% | 1,442 |
| Retained earnings to average equity (ytd only) | 2.1837% | 4,834 |
| Net charge-offs to loans | -0.0055% | 6,252 |
| Credit loss provision to net charge-offs | -17,500.0000% | 6,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8525% | 5,546 |
| Assets per employee ($millions) | 4.2935% | 3,259 |
| Cash dividends to net income (ytd only)* | 81.9048% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9781% | 2,471 |
| Loan loss allowance to noncurrent loans | 57.2791% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.8574% | 3,486 |
| Noncurrent loans to loans | 3.4534% | 2,167 |
| Net loans and leases to total assets | 24.9045% | 7,359 |
| Net loans and leases to deposits | 34.8689% | 7,252 |
| Net loans and leases to core deposits | 45.9520% | 6,976 |
| Total domestic deposits to total assets | 71.4232% | 7,114 |
| Equity capital to assets | 10.1719% | 3,568 |
| Core capital (leverage) ratio | 8.5381% | 5,375 |
| Tier 1 risk-based capital ratio | 22.3195% | 1,173 |
| Total risk-based capital ratio | 23.5700% | 1,150 |
| Memoranda: | ||
| Average total assets | $280,327,000 | 2,303 |
| Average earning assets | $263,665,500 | 2,244 |
| Average equity | $27,843,000 | 2,313 |
| Average total loans | $73,312,500 | 4,497 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8717% | 5,150 |
| Cost of funding earning assets | 1.4304% | 3,071 |
| Net interest margin | 3.4413% | 5,469 |
| Noninterest income to average assets | 0.3863% | 5,009 |
| Noninterest expense to average assets | 2.0836% | 6,882 |
| Loan and lease loss provision to assets | 0.3178% | 4,267 |
| Net operating income to assets | 1.2418% | 1,314 |
| Return on assets (ROA) | 1.2810% | 1,283 |
| Pretax return on assets | 1.2810% | 1,986 |
| Return on Equity (ROE) | 12.2876% | 1,258 |
| Retained earnings to average equity (ytd only) | 0.4200% | 5,366 |
| Net charge-offs to loans | 0.8843% | 2,421 |
| Credit loss provision to net charge-offs | 127.6596% | 3,148 |
| Earnings coverage of net charge-offs (x) | 6.2652% | 2,398 |
| Efficiency ratio | 57.1913% | 6,436 |
| Assets per employee ($millions) | 4.3980% | 3,033 |
| Cash dividends to net income (ytd only)* | 96.5821% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 3,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 5,081 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 26.4475% | 7,433 |
| Net loans and leases to deposits | 37.0676% | 7,326 |
| Net loans and leases to core deposits | 49.9462% | 6,977 |
| Total domestic deposits to total assets | 71.3494% | 7,140 |
| Equity capital to assets | 9.7020% | 4,127 |
| Core capital (leverage) ratio | 8.4059% | 5,523 |
| Tier 1 risk-based capital ratio | 20.7661% | 1,351 |
| Total risk-based capital ratio | 21.8127% | 1,374 |
| Memoranda: | ||
| Average total assets | $283,208,000 | 2,261 |
| Average earning assets | $268,036,600 | 2,195 |
| Average equity | $29,525,800 | 2,209 |
| Average total loans | $79,726,600 | 4,351 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9624% | 4,981 |
| Cost of funding earning assets | 1.4784% | 3,099 |
| Net interest margin | 3.4840% | 5,366 |
| Noninterest income to average assets | 0.3888% | 5,048 |
| Noninterest expense to average assets | 2.0504% | 6,959 |
| Loan and lease loss provision to assets | 0.3185% | 4,041 |
| Net operating income to assets | 1.3251% | 1,294 |
| Return on assets (ROA) | 1.3647% | 1,265 |
| Pretax return on assets | 1.3647% | 1,990 |
| Return on Equity (ROE) | 12.8644% | 1,293 |
| Retained earnings to average equity (ytd only) | 1.8193% | 5,053 |
| Net charge-offs to loans | 0.1276% | 5,275 |
| Credit loss provision to net charge-offs | 876.6234% | 346 |
| Earnings coverage of net charge-offs (x) | 45.2355% | 613 |
| Efficiency ratio | 55.5059% | 6,623 |
| Assets per employee ($millions) | 4.5379% | 2,853 |
| Cash dividends to net income (ytd only)* | 85.8575% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9912% | 2,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 6,679 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 27.6853% | 7,516 |
| Net loans and leases to deposits | 39.4406% | 7,388 |
| Net loans and leases to core deposits | 56.1536% | 6,845 |
| Total domestic deposits to total assets | 70.1950% | 7,264 |
| Equity capital to assets | 10.7916% | 3,177 |
| Core capital (leverage) ratio | 8.4595% | 5,579 |
| Tier 1 risk-based capital ratio | 20.0471% | 1,539 |
| Total risk-based capital ratio | 21.2983% | 1,507 |
| Memoranda: | ||
| Average total assets | $282,543,000 | 2,299 |
| Average earning assets | $268,034,750 | 2,231 |
| Average equity | $29,973,500 | 2,198 |
| Average total loans | $80,455,750 | 4,402 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9933% | 4,972 |
| Cost of funding earning assets | 1.5268% | 3,093 |
| Net interest margin | 3.4666% | 5,379 |
| Noninterest income to average assets | 0.3767% | 5,110 |
| Noninterest expense to average assets | 2.0588% | 7,001 |
| Loan and lease loss provision to assets | 0.3198% | 3,824 |
| Net operating income to assets | 1.2849% | 1,343 |
| Return on assets (ROA) | 1.3417% | 1,282 |
| Pretax return on assets | 1.3417% | 1,967 |
| Return on Equity (ROE) | 12.7221% | 1,307 |
| Retained earnings to average equity (ytd only) | 1.9878% | 4,869 |
| Net charge-offs to loans | 0.0050% | 6,305 |
| Credit loss provision to net charge-offs | 22,500.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 1,129.0000% | 18 |
| Efficiency ratio | 56.1979% | 6,615 |
| Assets per employee ($millions) | 4.4045% | 3,044 |
| Cash dividends to net income (ytd only)* | 84.3750% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8607% | 2,538 |
| Loan loss allowance to noncurrent loans | 153.9599% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 6,500 |
| Noncurrent loans to loans | 1.2085% | 4,945 |
| Net loans and leases to total assets | 27.2809% | 7,595 |
| Net loans and leases to deposits | 40.4776% | 7,435 |
| Net loans and leases to core deposits | 53.0784% | 7,084 |
| Total domestic deposits to total assets | 67.3975% | 7,452 |
| Equity capital to assets | 11.1364% | 2,739 |
| Core capital (leverage) ratio | 8.5639% | 5,307 |
| Tier 1 risk-based capital ratio | 20.4246% | 1,446 |
| Total risk-based capital ratio | 21.6614% | 1,415 |
| Memoranda: | ||
| Average total assets | $281,428,000 | 2,321 |
| Average earning assets | $266,835,670 | 2,255 |
| Average equity | $29,680,670 | 2,211 |
| Average total loans | $80,355,330 | 4,438 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0067% | 4,992 |
| Cost of funding earning assets | 1.5692% | 3,144 |
| Net interest margin | 3.4375% | 5,437 |
| Noninterest income to average assets | 0.3642% | 5,226 |
| Noninterest expense to average assets | 2.0868% | 6,982 |
| Loan and lease loss provision to assets | 0.3201% | 3,500 |
| Net operating income to assets | 1.2105% | 1,516 |
| Return on assets (ROA) | 1.2987% | 1,368 |
| Pretax return on assets | 1.2987% | 2,053 |
| Return on Equity (ROE) | 12.6696% | 1,333 |
| Retained earnings to average equity (ytd only) | 2.0538% | 4,894 |
| Net charge-offs to loans | 0.0049% | 5,547 |
| Credit loss provision to net charge-offs | 22,500.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 1,076.0000% | 16 |
| Efficiency ratio | 57.6878% | 6,537 |
| Assets per employee ($millions) | 4.4024% | 3,123 |
| Cash dividends to net income (ytd only)* | 83.7897% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 3,667 |
| Loan loss allowance to noncurrent loans | 133.5498% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 6,566 |
| Noncurrent loans to loans | 1.1596% | 5,049 |
| Net loans and leases to total assets | 27.8425% | 7,676 |
| Net loans and leases to deposits | 41.6621% | 7,465 |
| Net loans and leases to core deposits | 53.4103% | 7,138 |
| Total domestic deposits to total assets | 66.8295% | 7,580 |
| Equity capital to assets | 10.3132% | 3,457 |
| Core capital (leverage) ratio | 8.6693% | 5,074 |
| Tier 1 risk-based capital ratio | 20.2325% | 1,478 |
| Total risk-based capital ratio | 21.2757% | 1,488 |
| Memoranda: | ||
| Average total assets | $281,199,000 | 2,385 |
| Average earning assets | $266,125,000 | 2,309 |
| Average equity | $28,825,000 | 2,301 |
| Average total loans | $81,353,500 | 4,464 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2055% | 5,624 |
| Cost of funding earning assets | 2.0898% | 2,516 |
| Net interest margin | 3.1158% | 6,325 |
| Noninterest income to average assets | 0.4506% | 4,803 |
| Noninterest expense to average assets | 2.1340% | 7,114 |
| Loan and lease loss provision to assets | 0.1936% | 5,794 |
| Net operating income to assets | 1.0784% | 1,571 |
| Return on assets (ROA) | 1.1117% | 1,515 |
| Pretax return on assets | 1.1117% | 2,211 |
| Return on Equity (ROE) | 11.7120% | 1,230 |
| Retained earnings to average equity (ytd only) | 1.6063% | 3,957 |
| Net charge-offs to loans | 0.3373% | 4,545 |
| Credit loss provision to net charge-offs | 193.2143% | 2,055 |
| Earnings coverage of net charge-offs (x) | 12.6929% | 1,486 |
| Efficiency ratio | 61.2547% | 6,284 |
| Assets per employee ($millions) | 4.3850% | 3,141 |
| Cash dividends to net income (ytd only)* | 86.2846% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 5,262 |
| Loan loss allowance to noncurrent loans | 108.9536% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 6,531 |
| Noncurrent loans to loans | 1.1165% | 5,096 |
| Net loans and leases to total assets | 29.2241% | 7,730 |
| Net loans and leases to deposits | 44.7209% | 7,487 |
| Net loans and leases to core deposits | 58.6962% | 7,314 |
| Total domestic deposits to total assets | 65.3477% | 7,663 |
| Equity capital to assets | 10.1881% | 3,524 |
| Core capital (leverage) ratio | 8.5493% | 5,200 |
| Tier 1 risk-based capital ratio | 19.6845% | 1,523 |
| Total risk-based capital ratio | 20.5204% | 1,562 |
| Memoranda: | ||
| Average total assets | $279,387,200 | 2,354 |
| Average earning assets | $265,005,800 | 2,282 |
| Average equity | $26,519,800 | 2,489 |
| Average total loans | $83,017,000 | 4,413 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2143% | 5,819 |
| Cost of funding earning assets | 2.1910% | 2,450 |
| Net interest margin | 3.0233% | 6,540 |
| Noninterest income to average assets | 0.4481% | 4,908 |
| Noninterest expense to average assets | 2.1045% | 7,185 |
| Loan and lease loss provision to assets | 0.1266% | 6,083 |
| Net operating income to assets | 1.0907% | 1,767 |
| Return on assets (ROA) | 1.1710% | 1,594 |
| Pretax return on assets | 1.1710% | 2,349 |
| Return on Equity (ROE) | 12.5681% | 1,215 |
| Retained earnings to average equity (ytd only) | 3.3997% | 3,399 |
| Net charge-offs to loans | 0.0177% | 6,671 |
| Credit loss provision to net charge-offs | 2,409.0909% | 165 |
| Earnings coverage of net charge-offs (x) | 231.5781% | 169 |
| Efficiency ratio | 61.9157% | 6,125 |
| Assets per employee ($millions) | 4.2140% | 3,355 |
| Cash dividends to net income (ytd only)* | 72.9498% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 5,097 |
| Loan loss allowance to noncurrent loans | 82.4158% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 6,337 |
| Noncurrent loans to loans | 1.4578% | 4,492 |
| Net loans and leases to total assets | 30.1112% | 7,801 |
| Net loans and leases to deposits | 46.2564% | 7,557 |
| Net loans and leases to core deposits | 61.5627% | 7,339 |
| Total domestic deposits to total assets | 65.0963% | 7,722 |
| Equity capital to assets | 10.0405% | 4,037 |
| Core capital (leverage) ratio | 8.8023% | 4,968 |
| Tier 1 risk-based capital ratio | 20.1919% | 1,520 |
| Total risk-based capital ratio | 21.0361% | 1,559 |
| Memoranda: | ||
| Average total assets | $279,073,500 | 2,366 |
| Average earning assets | $265,266,000 | 2,290 |
| Average equity | $26,001,750 | 2,556 |
| Average total loans | $83,015,000 | 4,450 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2391% | 5,920 |
| Cost of funding earning assets | 2.2840% | 2,428 |
| Net interest margin | 2.9551% | 6,668 |
| Noninterest income to average assets | 0.4373% | 4,963 |
| Noninterest expense to average assets | 2.2280% | 6,981 |
| Loan and lease loss provision to assets | 0.0855% | 6,324 |
| Net operating income to assets | 0.9309% | 2,339 |
| Return on assets (ROA) | 1.0114% | 2,161 |
| Pretax return on assets | 1.0114% | 2,965 |
| Return on Equity (ROE) | 11.1365% | 1,663 |
| Retained earnings to average equity (ytd only) | 2.1175% | 4,168 |
| Net charge-offs to loans | 0.0097% | 6,432 |
| Credit loss provision to net charge-offs | 3,000.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 356.7500% | 105 |
| Efficiency ratio | 67.2009% | 5,316 |
| Assets per employee ($millions) | 4.2083% | 3,284 |
| Cash dividends to net income (ytd only)* | 80.9859% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 5,951 |
| Loan loss allowance to noncurrent loans | 313.4058% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 7,307 |
| Noncurrent loans to loans | 0.3330% | 6,677 |
| Net loans and leases to total assets | 29.9817% | 7,886 |
| Net loans and leases to deposits | 45.5498% | 7,653 |
| Net loans and leases to core deposits | 61.2903% | 7,400 |
| Total domestic deposits to total assets | 65.8218% | 7,749 |
| Equity capital to assets | 8.9267% | 5,414 |
| Core capital (leverage) ratio | 8.4019% | 5,613 |
| Tier 1 risk-based capital ratio | 19.9615% | 1,588 |
| Total risk-based capital ratio | 20.6943% | 1,647 |
| Memoranda: | ||
| Average total assets | $280,794,330 | 2,373 |
| Average earning assets | $266,725,000 | 2,300 |
| Average equity | $25,501,670 | 2,599 |
| Average total loans | $82,859,670 | 4,504 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2550% | 6,094 |
| Cost of funding earning assets | 2.3425% | 2,533 |
| Net interest margin | 2.9125% | 6,714 |
| Noninterest income to average assets | 0.4275% | 4,980 |
| Noninterest expense to average assets | 2.2347% | 6,738 |
| Loan and lease loss provision to assets | 0.0844% | 5,877 |
| Net operating income to assets | 0.8677% | 2,852 |
| Return on assets (ROA) | 0.9437% | 2,664 |
| Pretax return on assets | 0.9437% | 3,554 |
| Return on Equity (ROE) | 10.3058% | 2,197 |
| Retained earnings to average equity (ytd only) | 10.3058% | 1,120 |
| Net charge-offs to loans | 0.0145% | 5,387 |
| Credit loss provision to net charge-offs | 2,000.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 225.6667% | 190 |
| Efficiency ratio | 68.6673% | 4,841 |
| Assets per employee ($millions) | 4.2993% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 6,182 |
| Loan loss allowance to noncurrent loans | 300.7463% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 7,291 |
| Noncurrent loans to loans | 0.3326% | 6,598 |
| Net loans and leases to total assets | 28.1143% | 7,957 |
| Net loans and leases to deposits | 43.4595% | 7,745 |
| Net loans and leases to core deposits | 58.6088% | 7,509 |
| Total domestic deposits to total assets | 64.6908% | 7,810 |
| Equity capital to assets | 9.4091% | 4,799 |
| Core capital (leverage) ratio | 8.4222% | 5,676 |
| Tier 1 risk-based capital ratio | 20.1777% | 1,588 |
| Total risk-based capital ratio | 20.8573% | 1,648 |
| Memoranda: | ||
| Average total assets | $284,421,500 | 2,365 |
| Average earning assets | $269,459,000 | 2,296 |
| Average equity | $26,043,500 | 2,567 |
| Average total loans | $82,851,000 | 4,532 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6074% | 7,039 |
| Cost of funding earning assets | 2.8811% | 2,347 |
| Net interest margin | 2.7263% | 7,453 |
| Noninterest income to average assets | 0.5209% | 4,460 |
| Noninterest expense to average assets | 2.3962% | 6,407 |
| Loan and lease loss provision to assets | 0.0110% | 7,230 |
| Net operating income to assets | 0.6857% | 3,954 |
| Return on assets (ROA) | 0.6886% | 3,780 |
| Pretax return on assets | 0.6934% | 4,420 |
| Return on Equity (ROE) | 8.6717% | 2,766 |
| Retained earnings to average equity (ytd only) | 0.2917% | 5,069 |
| Net charge-offs to loans | 0.0334% | 6,353 |
| Credit loss provision to net charge-offs | 107.1429% | 5,010 |
| Earnings coverage of net charge-offs (x) | 68.1429% | 597 |
| Efficiency ratio | 75.7774% | 3,272 |
| Assets per employee ($millions) | 4.3860% | 2,818 |
| Cash dividends to net income (ytd only)* | 96.6364% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 6,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 7,606 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 29.5948% | 7,994 |
| Net loans and leases to deposits | 45.5771% | 7,797 |
| Net loans and leases to core deposits | 61.2183% | 7,532 |
| Total domestic deposits to total assets | 64.9335% | 7,730 |
| Equity capital to assets | 8.9054% | 5,493 |
| Core capital (leverage) ratio | 8.4008% | 5,761 |
| Tier 1 risk-based capital ratio | 18.8934% | 1,837 |
| Total risk-based capital ratio | 19.5027% | 1,923 |
| Memoranda: | ||
| Average total assets | $272,010,000 | 2,368 |
| Average earning assets | $257,087,800 | 2,309 |
| Average equity | $21,599,000 | 3,027 |
| Average total loans | $83,910,800 | 4,400 |