Home > Freedom Bank > Performance and Condition Ratios
Freedom Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0445% | 6 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 166,346.0000% | 12 |
| Cost of funding earning assets | 125.0000% | 21 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.7722% | 2,947 |
| Pretax return on assets | 1.0201% | 2,616 |
| Return on Equity (ROE) | 7.2700% | 3,218 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 10.0021% | 4,547 |
| Assets per employee ($millions) | 0.1578% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 8,304.0000% | 16 |
| Total domestic deposits to total assets | 99,561.0000% | 5 |
| Equity capital to assets | 309,605.0000% | 5 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $50,865,000 | 4,315 |
| Average earning assets | $3,402 | 4,581 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5193% | 987 |
| Cost of funding earning assets | 2.3470% | 367 |
| Net interest margin | 3.1723% | 2,981 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 2.0230% | 3,536 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8237% | 2,952 |
| Return on assets (ROA) | 0.8237% | 2,940 |
| Pretax return on assets | 1.0887% | 2,596 |
| Return on Equity (ROE) | 7.7300% | 3,257 |
| Retained earnings to average equity (ytd only) | 6.6208% | 2,427 |
| Net charge-offs to loans | -0.0013% | 3,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.0131% | 2,388 |
| Assets per employee ($millions) | 13.1390% | 289 |
| Cash dividends to net income (ytd only)* | 14.2961% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6528% | 4,200 |
| Loan loss allowance to noncurrent loans | 199.4056% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 1,832 |
| Noncurrent loans to loans | 0.3274% | 2,059 |
| Net loans and leases to total assets | 89.6700% | 41 |
| Net loans and leases to deposits | 112.9755% | 145 |
| Net loans and leases to core deposits | 151.1243% | 144 |
| Total domestic deposits to total assets | 79.3700% | 3,625 |
| Equity capital to assets | 10.7446% | 1,455 |
| Core capital (leverage) ratio | 10.7233% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8028% | 1,971 |
| Memoranda: | ||
| Average total assets | $670,288,250 | 1,345 |
| Average earning assets | $641,322,250 | 1,309 |
| Average equity | $71,470,250 | 1,225 |
| Average total loans | $601,616,000 | 1,089 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3961% | 958 |
| Cost of funding earning assets | 2.1744% | 356 |
| Net interest margin | 3.2217% | 2,931 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 2.0544% | 3,453 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8367% | 2,968 |
| Return on assets (ROA) | 0.8367% | 2,979 |
| Pretax return on assets | 1.1069% | 2,628 |
| Return on Equity (ROE) | 7.8700% | 3,270 |
| Retained earnings to average equity (ytd only) | 6.8310% | 2,345 |
| Net charge-offs to loans | -0.0020% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.9853% | 2,379 |
| Assets per employee ($millions) | 12.2153% | 356 |
| Cash dividends to net income (ytd only)* | 13.1730% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6685% | 4,226 |
| Loan loss allowance to noncurrent loans | 197.2562% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 1,704 |
| Noncurrent loans to loans | 0.3389% | 1,915 |
| Net loans and leases to total assets | 89.0500% | 54 |
| Net loans and leases to deposits | 112.3666% | 169 |
| Net loans and leases to core deposits | 146.3741% | 160 |
| Total domestic deposits to total assets | 79.2500% | 3,685 |
| Equity capital to assets | 10.7585% | 1,483 |
| Core capital (leverage) ratio | 10.7610% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8563% | 1,958 |
| Memoranda: | ||
| Average total assets | $665,974,333 | 1,354 |
| Average earning assets | $637,791,667 | 1,312 |
| Average equity | $70,823,667 | 1,226 |
| Average total loans | $596,594,333 | 1,082 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2525% | 883 |
| Cost of funding earning assets | 1.9734% | 317 |
| Net interest margin | 3.2791% | 2,927 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.0777% | 3,432 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8530% | 3,009 |
| Return on assets (ROA) | 0.8530% | 2,963 |
| Pretax return on assets | 1.1305% | 2,624 |
| Return on Equity (ROE) | 8.0700% | 3,274 |
| Retained earnings to average equity (ytd only) | 8.0519% | 2,203 |
| Net charge-offs to loans | -0.0013% | 3,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.7612% | 2,361 |
| Assets per employee ($millions) | 12.0422% | 393 |
| Cash dividends to net income (ytd only)* | 0.2122% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6745% | 4,277 |
| Loan loss allowance to noncurrent loans | 443.9294% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 2,574 |
| Noncurrent loans to loans | 0.1519% | 2,735 |
| Net loans and leases to total assets | 87.8300% | 79 |
| Net loans and leases to deposits | 110.0368% | 182 |
| Net loans and leases to core deposits | 139.7124% | 186 |
| Total domestic deposits to total assets | 79.8200% | 3,785 |
| Equity capital to assets | 10.5686% | 1,536 |
| Core capital (leverage) ratio | 10.7198% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8767% | 2,012 |
| Memoranda: | ||
| Average total assets | $663,041,500 | 1,381 |
| Average earning assets | $634,442,500 | 1,333 |
| Average equity | $70,095,500 | 1,248 |
| Average total loans | $593,753,500 | 1,099 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7116% | 502 |
| Cost of funding earning assets | 0.7873% | 408 |
| Net interest margin | 3.9243% | 910 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 1.9994% | 3,578 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 1.4179% | 1,086 |
| Return on assets (ROA) | 1.4179% | 1,052 |
| Pretax return on assets | 1.9056% | 577 |
| Return on Equity (ROE) | 13.8800% | 1,561 |
| Retained earnings to average equity (ytd only) | 12.9598% | 518 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.7764% | 4,001 |
| Assets per employee ($millions) | 12.0689% | 382 |
| Cash dividends to net income (ytd only)* | 6.6028% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 3,704 |
| Loan loss allowance to noncurrent loans | 586.7027% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 2,545 |
| Noncurrent loans to loans | 0.1565% | 2,713 |
| Net loans and leases to total assets | 89.8800% | 36 |
| Net loans and leases to deposits | 108.7893% | 180 |
| Net loans and leases to core deposits | 131.1398% | 215 |
| Total domestic deposits to total assets | 82.6200% | 3,508 |
| Equity capital to assets | 10.5751% | 1,420 |
| Core capital (leverage) ratio | 10.7131% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6520% | 2,106 |
| Memoranda: | ||
| Average total assets | $633,395,400 | 1,413 |
| Average earning assets | $610,222,800 | 1,370 |
| Average equity | $64,723,400 | 1,326 |
| Average total loans | $547,082,400 | 1,110 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 447 |
| Cost of funding earning assets | 0.5692% | 519 |
| Net interest margin | 4.0041% | 635 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 1.9628% | 3,581 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.4806% | 889 |
| Return on assets (ROA) | 1.4806% | 875 |
| Pretax return on assets | 1.9759% | 487 |
| Return on Equity (ROE) | 14.6200% | 1,253 |
| Retained earnings to average equity (ytd only) | 13.7991% | 492 |
| Net charge-offs to loans | -0.0022% | 3,284 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.7661% | 4,175 |
| Assets per employee ($millions) | 12.7070% | 328 |
| Cash dividends to net income (ytd only)* | 5.6280% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 3,393 |
| Loan loss allowance to noncurrent loans | 610.8626% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 2,575 |
| Noncurrent loans to loans | 0.1664% | 2,762 |
| Net loans and leases to total assets | 87.8900% | 66 |
| Net loans and leases to deposits | 104.0138% | 242 |
| Net loans and leases to core deposits | 123.1383% | 205 |
| Total domestic deposits to total assets | 84.5000% | 3,387 |
| Equity capital to assets | 10.5576% | 1,346 |
| Core capital (leverage) ratio | 10.4950% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6695% | 2,187 |
| Memoranda: | ||
| Average total assets | $628,814,750 | 1,432 |
| Average earning assets | $606,458,000 | 1,382 |
| Average equity | $63,674,250 | 1,353 |
| Average total loans | $536,058,000 | 1,118 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 399 |
| Cost of funding earning assets | 0.4735% | 610 |
| Net interest margin | 3.9835% | 513 |
| Noninterest income to average assets | 0.0788% | 4,559 |
| Noninterest expense to average assets | 1.9501% | 3,573 |
| Loan and lease loss provision to assets | 0.0080% | 2,450 |
| Net operating income to assets | 1.4921% | 729 |
| Return on assets (ROA) | 1.4921% | 708 |
| Pretax return on assets | 1.9629% | 413 |
| Return on Equity (ROE) | 14.9505% | 905 |
| Retained earnings to average equity (ytd only) | 13.6937% | 396 |
| Net charge-offs to loans | -0.0023% | 3,157 |
| Credit loss provision to net charge-offs | -416.6667% | 3,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7354% | 4,262 |
| Assets per employee ($millions) | 12.8284% | 303 |
| Cash dividends to net income (ytd only)* | 8.4064% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 3,423 |
| Loan loss allowance to noncurrent loans | 556.0621% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 2,607 |
| Noncurrent loans to loans | 0.1869% | 2,770 |
| Net loans and leases to total assets | 83.4240% | 209 |
| Net loans and leases to deposits | 97.9375% | 344 |
| Net loans and leases to core deposits | 107.8603% | 399 |
| Total domestic deposits to total assets | 85.1808% | 3,448 |
| Equity capital to assets | 9.8933% | 1,771 |
| Core capital (leverage) ratio | 10.5035% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6012% | 2,250 |
| Memoranda: | ||
| Average total assets | $626,636,000 | 1,441 |
| Average earning assets | $604,394,000 | 1,393 |
| Average equity | $62,539,667 | 1,400 |
| Average total loans | $526,693,333 | 1,128 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 360 |
| Cost of funding earning assets | 0.4743% | 565 |
| Net interest margin | 3.9634% | 441 |
| Noninterest income to average assets | 0.0816% | 4,570 |
| Noninterest expense to average assets | 1.9875% | 3,458 |
| Loan and lease loss provision to assets | 0.0163% | 2,058 |
| Net operating income to assets | 1.3922% | 816 |
| Return on assets (ROA) | 1.3922% | 812 |
| Pretax return on assets | 1.9013% | 447 |
| Return on Equity (ROE) | 13.8854% | 856 |
| Retained earnings to average equity (ytd only) | 13.8854% | 390 |
| Net charge-offs to loans | -0.0023% | 3,137 |
| Credit loss provision to net charge-offs | -833.3333% | 3,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8942% | 4,263 |
| Assets per employee ($millions) | 12.5653% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,314 |
| Loan loss allowance to noncurrent loans | 591.9421% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 2,700 |
| Noncurrent loans to loans | 0.1863% | 2,886 |
| Net loans and leases to total assets | 83.4528% | 104 |
| Net loans and leases to deposits | 98.9495% | 203 |
| Net loans and leases to core deposits | 105.9762% | 352 |
| Total domestic deposits to total assets | 84.3388% | 3,695 |
| Equity capital to assets | 10.1561% | 1,787 |
| Core capital (leverage) ratio | 10.3582% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1238% | 2,146 |
| Memoranda: | ||
| Average total assets | $612,830,000 | 1,472 |
| Average earning assets | $591,209,000 | 1,431 |
| Average equity | $61,446,000 | 1,452 |
| Average total loans | $514,273,500 | 1,138 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 747 |
| Cost of funding earning assets | 0.6424% | 440 |
| Net interest margin | 3.7334% | 1,134 |
| Noninterest income to average assets | 0.1314% | 4,489 |
| Noninterest expense to average assets | 1.9908% | 3,700 |
| Loan and lease loss provision to assets | 0.0765% | 1,585 |
| Net operating income to assets | 1.2267% | 1,831 |
| Return on assets (ROA) | 1.2267% | 1,878 |
| Pretax return on assets | 1.6601% | 1,243 |
| Return on Equity (ROE) | 12.7435% | 1,553 |
| Retained earnings to average equity (ytd only) | 10.2425% | 856 |
| Net charge-offs to loans | -0.0030% | 3,437 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4097% | 3,992 |
| Assets per employee ($millions) | 12.9779% | 320 |
| Cash dividends to net income (ytd only)* | 19.6258% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 3,275 |
| Loan loss allowance to noncurrent loans | 207.9504% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 1,471 |
| Noncurrent loans to loans | 0.5387% | 1,779 |
| Net loans and leases to total assets | 82.5130% | 160 |
| Net loans and leases to deposits | 97.6883% | 262 |
| Net loans and leases to core deposits | 104.9622% | 392 |
| Total domestic deposits to total assets | 84.4656% | 3,433 |
| Equity capital to assets | 9.8959% | 2,758 |
| Core capital (leverage) ratio | 9.8693% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0375% | 2,232 |
| Memoranda: | ||
| Average total assets | $588,154,400 | 1,477 |
| Average earning assets | $566,500,600 | 1,439 |
| Average equity | $56,617,200 | 1,595 |
| Average total loans | $499,362,800 | 1,164 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3766% | 844 |
| Cost of funding earning assets | 0.6801% | 429 |
| Net interest margin | 3.6965% | 1,337 |
| Noninterest income to average assets | 0.1286% | 4,550 |
| Noninterest expense to average assets | 1.9900% | 3,710 |
| Loan and lease loss provision to assets | 0.1030% | 1,173 |
| Net operating income to assets | 1.1617% | 2,318 |
| Return on assets (ROA) | 1.1617% | 2,380 |
| Pretax return on assets | 1.5937% | 1,718 |
| Return on Equity (ROE) | 12.1570% | 1,997 |
| Retained earnings to average equity (ytd only) | 12.1570% | 807 |
| Net charge-offs to loans | -0.0030% | 3,297 |
| Credit loss provision to net charge-offs | -4,090.9091% | 4,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9784% | 3,816 |
| Assets per employee ($millions) | 12.0055% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 3,313 |
| Loan loss allowance to noncurrent loans | 144.6560% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6433% | 1,179 |
| Noncurrent loans to loans | 0.7780% | 1,454 |
| Net loans and leases to total assets | 81.7559% | 202 |
| Net loans and leases to deposits | 96.7250% | 325 |
| Net loans and leases to core deposits | 107.3150% | 386 |
| Total domestic deposits to total assets | 84.5240% | 3,288 |
| Equity capital to assets | 9.7333% | 3,167 |
| Core capital (leverage) ratio | 9.7925% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1380% | 2,313 |
| Memoranda: | ||
| Average total assets | $582,702,750 | 1,506 |
| Average earning assets | $560,874,500 | 1,468 |
| Average equity | $55,681,250 | 1,634 |
| Average total loans | $496,953,750 | 1,189 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 799 |
| Cost of funding earning assets | 0.7196% | 418 |
| Net interest margin | 3.7237% | 1,288 |
| Noninterest income to average assets | 0.1320% | 4,543 |
| Noninterest expense to average assets | 2.0173% | 3,649 |
| Loan and lease loss provision to assets | 0.1047% | 1,199 |
| Net operating income to assets | 1.1616% | 2,329 |
| Return on assets (ROA) | 1.1616% | 2,387 |
| Pretax return on assets | 1.5910% | 1,760 |
| Return on Equity (ROE) | 12.2369% | 1,962 |
| Retained earnings to average equity (ytd only) | 12.2369% | 864 |
| Net charge-offs to loans | -0.0028% | 3,271 |
| Credit loss provision to net charge-offs | -4,285.7143% | 3,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3300% | 3,761 |
| Assets per employee ($millions) | 11.9826% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 3,392 |
| Loan loss allowance to noncurrent loans | 184.5539% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4916% | 1,703 |
| Noncurrent loans to loans | 0.5985% | 1,906 |
| Net loans and leases to total assets | 81.2301% | 251 |
| Net loans and leases to deposits | 95.9550% | 384 |
| Net loans and leases to core deposits | 108.7544% | 396 |
| Total domestic deposits to total assets | 84.6543% | 3,239 |
| Equity capital to assets | 9.4587% | 3,375 |
| Core capital (leverage) ratio | 9.9182% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8460% | 2,422 |
| Memoranda: | ||
| Average total assets | $572,844,000 | 1,516 |
| Average earning assets | $550,899,000 | 1,486 |
| Average equity | $54,376,667 | 1,656 |
| Average total loans | $493,847,667 | 1,200 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5600% | 714 |
| Cost of funding earning assets | 0.7694% | 410 |
| Net interest margin | 3.7906% | 1,160 |
| Noninterest income to average assets | 0.1199% | 4,592 |
| Noninterest expense to average assets | 2.0292% | 3,627 |
| Loan and lease loss provision to assets | 0.1084% | 1,276 |
| Net operating income to assets | 1.1898% | 2,186 |
| Return on assets (ROA) | 1.1898% | 2,259 |
| Pretax return on assets | 1.6268% | 1,661 |
| Return on Equity (ROE) | 12.5096% | 1,830 |
| Retained earnings to average equity (ytd only) | 12.5096% | 1,025 |
| Net charge-offs to loans | -0.0024% | 3,177 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9052% | 3,793 |
| Assets per employee ($millions) | 11.1165% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 3,512 |
| Loan loss allowance to noncurrent loans | 130.9842% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.7258% | 1,280 |
| Noncurrent loans to loans | 0.8266% | 1,619 |
| Net loans and leases to total assets | 86.8535% | 71 |
| Net loans and leases to deposits | 103.4762% | 215 |
| Net loans and leases to core deposits | 119.4640% | 247 |
| Total domestic deposits to total assets | 83.9357% | 3,459 |
| Equity capital to assets | 9.4380% | 3,256 |
| Core capital (leverage) ratio | 9.6599% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7651% | 2,388 |
| Memoranda: | ||
| Average total assets | $553,710,500 | 1,551 |
| Average earning assets | $532,367,000 | 1,510 |
| Average equity | $52,663,500 | 1,693 |
| Average total loans | $489,796,500 | 1,204 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 905 |
| Cost of funding earning assets | 1.4230% | 114 |
| Net interest margin | 3.2694% | 3,161 |
| Noninterest income to average assets | 0.1200% | 4,669 |
| Noninterest expense to average assets | 2.1481% | 3,832 |
| Loan and lease loss provision to assets | 0.0593% | 3,631 |
| Net operating income to assets | 0.7644% | 3,223 |
| Return on assets (ROA) | 0.7644% | 3,348 |
| Pretax return on assets | 1.0486% | 2,887 |
| Return on Equity (ROE) | 7.6677% | 2,938 |
| Retained earnings to average equity (ytd only) | 5.1204% | 2,226 |
| Net charge-offs to loans | -0.0036% | 4,061 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9748% | 2,531 |
| Assets per employee ($millions) | 10.5976% | 446 |
| Cash dividends to net income (ytd only)* | 33.2213% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 3,523 |
| Loan loss allowance to noncurrent loans | 172.2697% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 1,879 |
| Noncurrent loans to loans | 0.6310% | 2,115 |
| Net loans and leases to total assets | 88.1731% | 43 |
| Net loans and leases to deposits | 105.7617% | 232 |
| Net loans and leases to core deposits | 123.2235% | 273 |
| Total domestic deposits to total assets | 83.3696% | 3,305 |
| Equity capital to assets | 9.5876% | 3,527 |
| Core capital (leverage) ratio | 9.7548% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6393% | 2,755 |
| Memoranda: | ||
| Average total assets | $506,026,200 | 1,533 |
| Average earning assets | $485,386,400 | 1,490 |
| Average equity | $50,445,400 | 1,680 |
| Average total loans | $446,534,800 | 1,236 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 1,013 |
| Cost of funding earning assets | 1.5646% | 92 |
| Net interest margin | 3.1591% | 3,595 |
| Noninterest income to average assets | 0.1187% | 4,689 |
| Noninterest expense to average assets | 2.1720% | 3,744 |
| Loan and lease loss provision to assets | 0.0563% | 3,645 |
| Net operating income to assets | 0.6648% | 3,583 |
| Return on assets (ROA) | 0.6648% | 3,685 |
| Pretax return on assets | 0.9197% | 3,328 |
| Return on Equity (ROE) | 6.5997% | 3,341 |
| Retained earnings to average equity (ytd only) | 5.6683% | 2,255 |
| Net charge-offs to loans | -0.0027% | 3,931 |
| Credit loss provision to net charge-offs | -2,333.3333% | 4,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9969% | 2,036 |
| Assets per employee ($millions) | 10.2554% | 468 |
| Cash dividends to net income (ytd only)* | 14.1129% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 3,182 |
| Loan loss allowance to noncurrent loans | 361.4627% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 3,078 |
| Noncurrent loans to loans | 0.3057% | 3,184 |
| Net loans and leases to total assets | 87.9618% | 79 |
| Net loans and leases to deposits | 106.3702% | 312 |
| Net loans and leases to core deposits | 124.2145% | 339 |
| Total domestic deposits to total assets | 82.6940% | 3,226 |
| Equity capital to assets | 9.8127% | 3,412 |
| Core capital (leverage) ratio | 10.0342% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4186% | 2,451 |
| Memoranda: | ||
| Average total assets | $497,413,000 | 1,536 |
| Average earning assets | $476,955,250 | 1,491 |
| Average equity | $50,102,000 | 1,681 |
| Average total loans | $437,720,000 | 1,251 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7967% | 1,179 |
| Cost of funding earning assets | 1.6947% | 78 |
| Net interest margin | 3.1021% | 3,900 |
| Noninterest income to average assets | 0.1031% | 4,770 |
| Noninterest expense to average assets | 2.2083% | 3,752 |
| Loan and lease loss provision to assets | 0.0491% | 3,690 |
| Net operating income to assets | 0.5928% | 3,766 |
| Return on assets (ROA) | 0.5928% | 3,843 |
| Pretax return on assets | 0.8194% | 3,535 |
| Return on Equity (ROE) | 5.8316% | 3,570 |
| Retained earnings to average equity (ytd only) | 4.4230% | 2,740 |
| Net charge-offs to loans | -0.0042% | 3,965 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7724% | 1,722 |
| Assets per employee ($millions) | 10.3790% | 452 |
| Cash dividends to net income (ytd only)* | 24.1546% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 2,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 87.5636% | 73 |
| Net loans and leases to deposits | 106.8011% | 298 |
| Net loans and leases to core deposits | 127.7675% | 290 |
| Total domestic deposits to total assets | 81.9875% | 3,373 |
| Equity capital to assets | 9.8810% | 3,305 |
| Core capital (leverage) ratio | 10.1387% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5103% | 2,393 |
| Memoranda: | ||
| Average total assets | $488,875,333 | 1,533 |
| Average earning assets | $468,651,333 | 1,485 |
| Average equity | $49,695,000 | 1,678 |
| Average total loans | $428,559,000 | 1,260 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8675% | 1,271 |
| Cost of funding earning assets | 1.7819% | 92 |
| Net interest margin | 3.0856% | 4,124 |
| Noninterest income to average assets | 0.1286% | 4,724 |
| Noninterest expense to average assets | 2.2988% | 3,774 |
| Loan and lease loss provision to assets | 0.0251% | 3,485 |
| Net operating income to assets | 0.5528% | 3,728 |
| Return on assets (ROA) | 0.5528% | 3,792 |
| Pretax return on assets | 0.7632% | 3,514 |
| Return on Equity (ROE) | 5.3585% | 3,524 |
| Retained earnings to average equity (ytd only) | 5.3585% | 2,137 |
| Net charge-offs to loans | 0.0019% | 2,525 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 472.0000% | 138 |
| Efficiency ratio | 74.4658% | 1,752 |
| Assets per employee ($millions) | 8.8992% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 2,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 86.1844% | 129 |
| Net loans and leases to deposits | 106.2054% | 288 |
| Net loans and leases to core deposits | 129.5377% | 276 |
| Total domestic deposits to total assets | 81.1488% | 3,631 |
| Equity capital to assets | 10.1683% | 3,631 |
| Core capital (leverage) ratio | 10.4130% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6754% | 2,407 |
| Memoranda: | ||
| Average total assets | $479,028,000 | 1,511 |
| Average earning assets | $459,287,500 | 1,469 |
| Average equity | $49,416,500 | 1,679 |
| Average total loans | $417,652,500 | 1,255 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1560% | 1,094 |
| Cost of funding earning assets | 1.8116% | 133 |
| Net interest margin | 3.3443% | 3,885 |
| Noninterest income to average assets | 0.1554% | 4,714 |
| Noninterest expense to average assets | 2.2108% | 4,141 |
| Loan and lease loss provision to assets | 0.0721% | 2,554 |
| Net operating income to assets | 0.7836% | 3,605 |
| Return on assets (ROA) | 0.7836% | 3,683 |
| Pretax return on assets | 1.0716% | 3,256 |
| Return on Equity (ROE) | 7.5380% | 3,352 |
| Retained earnings to average equity (ytd only) | 5.7276% | 2,018 |
| Net charge-offs to loans | 0.0104% | 3,317 |
| Credit loss provision to net charge-offs | 804.8780% | 409 |
| Earnings coverage of net charge-offs (x) | 127.6341% | 561 |
| Efficiency ratio | 65.9044% | 2,781 |
| Assets per employee ($millions) | 8.6778% | 554 |
| Cash dividends to net income (ytd only)* | 24.0167% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 2,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 86.1285% | 158 |
| Net loans and leases to deposits | 103.5002% | 399 |
| Net loans and leases to core deposits | 126.0273% | 345 |
| Total domestic deposits to total assets | 83.2158% | 3,130 |
| Equity capital to assets | 10.4703% | 3,479 |
| Core capital (leverage) ratio | 10.8271% | 2,658 |
| Tier 1 risk-based capital ratio | 12.8700% | 3,859 |
| Total risk-based capital ratio | 14.1203% | 3,741 |
| Memoranda: | ||
| Average total assets | $457,519,400 | 1,527 |
| Average earning assets | $437,668,400 | 1,486 |
| Average equity | $47,558,800 | 1,670 |
| Average total loans | $395,717,200 | 1,278 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1838% | 1,073 |
| Cost of funding earning assets | 1.8200% | 129 |
| Net interest margin | 3.3638% | 3,952 |
| Noninterest income to average assets | 0.1504% | 4,796 |
| Noninterest expense to average assets | 2.2130% | 4,157 |
| Loan and lease loss provision to assets | 0.0792% | 2,325 |
| Net operating income to assets | 0.7708% | 3,768 |
| Return on assets (ROA) | 0.7708% | 3,840 |
| Pretax return on assets | 1.0760% | 3,358 |
| Return on Equity (ROE) | 7.4291% | 3,536 |
| Retained earnings to average equity (ytd only) | 5.6460% | 2,541 |
| Net charge-offs to loans | 0.0482% | 2,149 |
| Credit loss provision to net charge-offs | 190.1408% | 1,377 |
| Earnings coverage of net charge-offs (x) | 27.7463% | 1,703 |
| Efficiency ratio | 65.7033% | 2,768 |
| Assets per employee ($millions) | 8.9891% | 483 |
| Cash dividends to net income (ytd only)* | 24.0014% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 2,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 86.3678% | 169 |
| Net loans and leases to deposits | 104.2528% | 396 |
| Net loans and leases to core deposits | 121.8804% | 472 |
| Total domestic deposits to total assets | 82.8446% | 3,215 |
| Equity capital to assets | 10.5339% | 3,513 |
| Core capital (leverage) ratio | 10.3942% | 3,207 |
| Tier 1 risk-based capital ratio | 12.8954% | 3,908 |
| Total risk-based capital ratio | 14.1455% | 3,801 |
| Memoranda: | ||
| Average total assets | $454,748,750 | 1,550 |
| Average earning assets | $435,011,000 | 1,507 |
| Average equity | $47,182,500 | 1,682 |
| Average total loans | $392,516,250 | 1,298 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1638% | 1,061 |
| Cost of funding earning assets | 1.7809% | 136 |
| Net interest margin | 3.3829% | 3,947 |
| Noninterest income to average assets | 0.1438% | 4,848 |
| Noninterest expense to average assets | 2.1825% | 4,262 |
| Loan and lease loss provision to assets | 0.0794% | 2,240 |
| Net operating income to assets | 0.7995% | 3,652 |
| Return on assets (ROA) | 0.7995% | 3,715 |
| Pretax return on assets | 1.1170% | 3,185 |
| Return on Equity (ROE) | 7.7458% | 3,406 |
| Retained earnings to average equity (ytd only) | 5.0499% | 2,746 |
| Net charge-offs to loans | 0.0667% | 1,703 |
| Credit loss provision to net charge-offs | 138.4615% | 1,580 |
| Earnings coverage of net charge-offs (x) | 20.8692% | 1,753 |
| Efficiency ratio | 64.5915% | 3,038 |
| Assets per employee ($millions) | 9.5157% | 395 |
| Cash dividends to net income (ytd only)* | 34.8042% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 82.9427% | 479 |
| Net loans and leases to deposits | 96.9454% | 940 |
| Net loans and leases to core deposits | 114.8420% | 734 |
| Total domestic deposits to total assets | 85.5561% | 2,245 |
| Equity capital to assets | 9.9692% | 3,998 |
| Core capital (leverage) ratio | 10.0708% | 3,521 |
| Tier 1 risk-based capital ratio | 12.6576% | 4,040 |
| Total risk-based capital ratio | 13.9074% | 3,933 |
| Memoranda: | ||
| Average total assets | $453,517,000 | 1,557 |
| Average earning assets | $433,714,670 | 1,513 |
| Average equity | $46,812,670 | 1,690 |
| Average total loans | $389,785,670 | 1,307 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1176% | 1,064 |
| Cost of funding earning assets | 1.6633% | 182 |
| Net interest margin | 3.4543% | 3,738 |
| Noninterest income to average assets | 0.1383% | 4,904 |
| Noninterest expense to average assets | 2.3111% | 3,992 |
| Loan and lease loss provision to assets | 0.0814% | 2,073 |
| Net operating income to assets | 0.7523% | 3,762 |
| Return on assets (ROA) | 0.7523% | 3,809 |
| Pretax return on assets | 1.0507% | 3,283 |
| Return on Equity (ROE) | 7.1565% | 3,611 |
| Retained earnings to average equity (ytd only) | 5.4362% | 2,717 |
| Net charge-offs to loans | 0.1049% | 1,108 |
| Credit loss provision to net charge-offs | 89.1089% | 1,724 |
| Earnings coverage of net charge-offs (x) | 12.3960% | 1,871 |
| Efficiency ratio | 67.1218% | 2,778 |
| Assets per employee ($millions) | 9.3957% | 412 |
| Cash dividends to net income (ytd only)* | 24.0385% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 82.9271% | 476 |
| Net loans and leases to deposits | 97.7730% | 801 |
| Net loans and leases to core deposits | 115.3532% | 669 |
| Total domestic deposits to total assets | 84.8159% | 2,742 |
| Equity capital to assets | 10.1742% | 3,654 |
| Core capital (leverage) ratio | 10.6519% | 2,894 |
| Tier 1 risk-based capital ratio | 12.7664% | 4,002 |
| Total risk-based capital ratio | 14.0164% | 3,899 |
| Memoranda: | ||
| Average total assets | $442,383,500 | 1,591 |
| Average earning assets | $423,243,500 | 1,549 |
| Average equity | $46,503,000 | 1,684 |
| Average total loans | $385,023,500 | 1,327 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1762% | 728 |
| Cost of funding earning assets | 1.2906% | 227 |
| Net interest margin | 3.8856% | 2,375 |
| Noninterest income to average assets | 0.1566% | 4,939 |
| Noninterest expense to average assets | 2.3049% | 4,111 |
| Loan and lease loss provision to assets | 0.1516% | 1,398 |
| Net operating income to assets | 1.1117% | 2,546 |
| Return on assets (ROA) | 1.1117% | 2,552 |
| Pretax return on assets | 1.4003% | 2,138 |
| Return on Equity (ROE) | 10.8250% | 2,158 |
| Retained earnings to average equity (ytd only) | 8.9985% | 867 |
| Net charge-offs to loans | 0.0052% | 3,524 |
| Credit loss provision to net charge-offs | 3,189.4737% | 157 |
| Earnings coverage of net charge-offs (x) | 326.5789% | 312 |
| Efficiency ratio | 59.7627% | 3,901 |
| Assets per employee ($millions) | 8.1611% | 625 |
| Cash dividends to net income (ytd only)* | 16.8729% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,528 |
| Loan loss allowance to noncurrent loans | 25,733.3333% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,909 |
| Noncurrent loans to loans | 0.0047% | 4,801 |
| Net loans and leases to total assets | 89.3088% | 75 |
| Net loans and leases to deposits | 113.5187% | 170 |
| Net loans and leases to core deposits | 134.8115% | 251 |
| Total domestic deposits to total assets | 78.6732% | 4,375 |
| Equity capital to assets | 10.8783% | 2,809 |
| Core capital (leverage) ratio | 11.2141% | 2,337 |
| Tier 1 risk-based capital ratio | 12.8994% | 3,902 |
| Total risk-based capital ratio | 14.1497% | 3,793 |
| Memoranda: | ||
| Average total assets | $399,841,200 | 1,716 |
| Average earning assets | $380,765,400 | 1,667 |
| Average equity | $41,062,400 | 1,814 |
| Average total loans | $362,395,800 | 1,360 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1570% | 680 |
| Cost of funding earning assets | 1.2257% | 225 |
| Net interest margin | 3.9313% | 2,190 |
| Noninterest income to average assets | 0.1592% | 4,984 |
| Noninterest expense to average assets | 2.3181% | 4,055 |
| Loan and lease loss provision to assets | 0.1541% | 1,271 |
| Net operating income to assets | 1.1192% | 2,581 |
| Return on assets (ROA) | 1.1192% | 2,593 |
| Pretax return on assets | 1.4267% | 2,131 |
| Return on Equity (ROE) | 11.0754% | 2,147 |
| Retained earnings to average equity (ytd only) | 8.5621% | 1,387 |
| Net charge-offs to loans | 0.0071% | 3,171 |
| Credit loss provision to net charge-offs | 2,394.7368% | 174 |
| Earnings coverage of net charge-offs (x) | 245.7102% | 375 |
| Efficiency ratio | 59.4545% | 3,893 |
| Assets per employee ($millions) | 9.4056% | 388 |
| Cash dividends to net income (ytd only)* | 22.6930% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,571 |
| Loan loss allowance to noncurrent loans | 24,894.4444% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 5,010 |
| Noncurrent loans to loans | 0.0049% | 4,920 |
| Net loans and leases to total assets | 90.4807% | 58 |
| Net loans and leases to deposits | 109.7252% | 296 |
| Net loans and leases to core deposits | 129.9069% | 331 |
| Total domestic deposits to total assets | 82.4612% | 3,475 |
| Equity capital to assets | 11.1225% | 2,543 |
| Core capital (leverage) ratio | 10.8602% | 2,716 |
| Tier 1 risk-based capital ratio | 12.8912% | 3,966 |
| Total risk-based capital ratio | 14.1414% | 3,871 |
| Memoranda: | ||
| Average total assets | $393,707,500 | 1,749 |
| Average earning assets | $374,526,250 | 1,706 |
| Average equity | $39,786,750 | 1,869 |
| Average total loans | $357,085,500 | 1,377 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0620% | 714 |
| Cost of funding earning assets | 1.1326% | 252 |
| Net interest margin | 3.9294% | 2,110 |
| Noninterest income to average assets | 0.1840% | 4,908 |
| Noninterest expense to average assets | 2.2577% | 4,245 |
| Loan and lease loss provision to assets | 0.1553% | 1,213 |
| Net operating income to assets | 1.1699% | 2,313 |
| Return on assets (ROA) | 1.1699% | 2,314 |
| Pretax return on assets | 1.5041% | 1,801 |
| Return on Equity (ROE) | 11.9934% | 1,724 |
| Retained earnings to average equity (ytd only) | 10.6795% | 742 |
| Net charge-offs to loans | -0.0011% | 3,895 |
| Credit loss provision to net charge-offs | -15,150.0000% | 4,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6364% | 4,295 |
| Assets per employee ($millions) | 8.5463% | 514 |
| Cash dividends to net income (ytd only)* | 10.9553% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 89.2381% | 96 |
| Net loans and leases to deposits | 108.7518% | 322 |
| Net loans and leases to core deposits | 127.2396% | 387 |
| Total domestic deposits to total assets | 82.0567% | 3,702 |
| Equity capital to assets | 11.0582% | 2,580 |
| Core capital (leverage) ratio | 11.4000% | 2,156 |
| Tier 1 risk-based capital ratio | 12.7027% | 4,059 |
| Total risk-based capital ratio | 13.9478% | 3,969 |
| Memoranda: | ||
| Average total assets | $390,130,000 | 1,768 |
| Average earning assets | $370,642,330 | 1,728 |
| Average equity | $38,054,330 | 1,948 |
| Average total loans | $352,640,330 | 1,385 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 720 |
| Cost of funding earning assets | 1.0735% | 256 |
| Net interest margin | 3.9099% | 2,010 |
| Noninterest income to average assets | 0.1707% | 4,996 |
| Noninterest expense to average assets | 2.1584% | 4,512 |
| Loan and lease loss provision to assets | 0.1571% | 1,150 |
| Net operating income to assets | 1.2103% | 1,962 |
| Return on assets (ROA) | 1.2103% | 1,971 |
| Pretax return on assets | 1.5621% | 1,489 |
| Return on Equity (ROE) | 13.3400% | 1,173 |
| Retained earnings to average equity (ytd only) | 12.1930% | 650 |
| Net charge-offs to loans | -0.0023% | 3,823 |
| Credit loss provision to net charge-offs | -7,550.0000% | 4,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6629% | 4,626 |
| Assets per employee ($millions) | 8.7784% | 478 |
| Cash dividends to net income (ytd only)* | 8.5985% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,801 |
| Loan loss allowance to noncurrent loans | 2,978.0142% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 4,928 |
| Noncurrent loans to loans | 0.0403% | 4,791 |
| Net loans and leases to total assets | 89.4936% | 74 |
| Net loans and leases to deposits | 104.3813% | 459 |
| Net loans and leases to core deposits | 120.1353% | 581 |
| Total domestic deposits to total assets | 85.7373% | 2,660 |
| Equity capital to assets | 9.1671% | 4,398 |
| Core capital (leverage) ratio | 9.2768% | 4,349 |
| Tier 1 risk-based capital ratio | 10.4002% | 5,380 |
| Total risk-based capital ratio | 11.6350% | 5,309 |
| Memoranda: | ||
| Average total assets | $384,357,000 | 1,804 |
| Average earning assets | $364,405,500 | 1,770 |
| Average equity | $34,872,500 | 2,107 |
| Average total loans | $347,561,500 | 1,410 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 634 |
| Cost of funding earning assets | 0.9950% | 220 |
| Net interest margin | 4.0166% | 1,701 |
| Noninterest income to average assets | 0.1582% | 5,169 |
| Noninterest expense to average assets | 2.1810% | 4,564 |
| Loan and lease loss provision to assets | 0.1131% | 2,013 |
| Net operating income to assets | 1.0152% | 2,174 |
| Return on assets (ROA) | 1.0152% | 2,208 |
| Pretax return on assets | 1.6911% | 1,028 |
| Return on Equity (ROE) | 10.8954% | 1,527 |
| Retained earnings to average equity (ytd only) | 7.3798% | 962 |
| Net charge-offs to loans | -0.0690% | 5,269 |
| Credit loss provision to net charge-offs | -181.9820% | 4,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7281% | 4,883 |
| Assets per employee ($millions) | 9.5616% | 367 |
| Cash dividends to net income (ytd only)* | 32.2670% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 2,939 |
| Loan loss allowance to noncurrent loans | 2,869.5035% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 4,952 |
| Noncurrent loans to loans | 0.0408% | 4,826 |
| Net loans and leases to total assets | 89.2133% | 97 |
| Net loans and leases to deposits | 104.1634% | 486 |
| Net loans and leases to core deposits | 119.1410% | 615 |
| Total domestic deposits to total assets | 85.6475% | 2,595 |
| Equity capital to assets | 8.9779% | 4,743 |
| Core capital (leverage) ratio | 9.1090% | 4,510 |
| Tier 1 risk-based capital ratio | 10.1892% | 5,486 |
| Total risk-based capital ratio | 11.3914% | 5,427 |
| Memoranda: | ||
| Average total assets | $357,168,200 | 1,883 |
| Average earning assets | $340,308,800 | 1,844 |
| Average equity | $33,280,000 | 2,160 |
| Average total loans | $321,778,000 | 1,478 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9849% | 631 |
| Cost of funding earning assets | 0.9722% | 221 |
| Net interest margin | 4.0127% | 1,657 |
| Noninterest income to average assets | 0.1368% | 5,324 |
| Noninterest expense to average assets | 2.2159% | 4,491 |
| Loan and lease loss provision to assets | 0.1535% | 1,353 |
| Net operating income to assets | 1.0474% | 2,343 |
| Return on assets (ROA) | 1.0474% | 2,385 |
| Pretax return on assets | 1.5961% | 1,438 |
| Return on Equity (ROE) | 11.1297% | 1,642 |
| Retained earnings to average equity (ytd only) | 9.6356% | 669 |
| Net charge-offs to loans | -0.0937% | 5,362 |
| Credit loss provision to net charge-offs | -181.9820% | 4,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8793% | 4,760 |
| Assets per employee ($millions) | 8.9518% | 448 |
| Cash dividends to net income (ytd only)* | 13.4252% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,897 |
| Loan loss allowance to noncurrent loans | 2,869.5035% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 5,044 |
| Noncurrent loans to loans | 0.0421% | 4,925 |
| Net loans and leases to total assets | 90.2322% | 73 |
| Net loans and leases to deposits | 106.4851% | 393 |
| Net loans and leases to core deposits | 117.6831% | 671 |
| Total domestic deposits to total assets | 84.7369% | 2,821 |
| Equity capital to assets | 9.3368% | 4,614 |
| Core capital (leverage) ratio | 9.5849% | 4,047 |
| Tier 1 risk-based capital ratio | 10.3145% | 5,506 |
| Total risk-based capital ratio | 11.5340% | 5,464 |
| Memoranda: | ||
| Average total assets | $350,844,500 | 1,919 |
| Average earning assets | $334,762,250 | 1,881 |
| Average equity | $33,015,750 | 2,186 |
| Average total loans | $315,909,000 | 1,507 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9091% | 680 |
| Cost of funding earning assets | 0.9601% | 212 |
| Net interest margin | 3.9491% | 1,780 |
| Noninterest income to average assets | 0.1366% | 5,366 |
| Noninterest expense to average assets | 2.2243% | 4,519 |
| Loan and lease loss provision to assets | 0.1754% | 1,097 |
| Net operating income to assets | 0.9883% | 2,482 |
| Return on assets (ROA) | 0.9883% | 2,532 |
| Pretax return on assets | 1.5018% | 1,627 |
| Return on Equity (ROE) | 10.4729% | 1,846 |
| Retained earnings to average equity (ytd only) | 8.9698% | 849 |
| Net charge-offs to loans | -0.0110% | 4,570 |
| Credit loss provision to net charge-offs | -1,782.3529% | 4,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0114% | 4,708 |
| Assets per employee ($millions) | 8.7478% | 457 |
| Cash dividends to net income (ytd only)* | 14.3527% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 3,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 90.6396% | 67 |
| Net loans and leases to deposits | 104.6636% | 461 |
| Net loans and leases to core deposits | 115.9809% | 714 |
| Total domestic deposits to total assets | 86.6009% | 2,131 |
| Equity capital to assets | 9.5290% | 4,381 |
| Core capital (leverage) ratio | 9.5108% | 4,121 |
| Tier 1 risk-based capital ratio | 10.2640% | 5,555 |
| Total risk-based capital ratio | 11.4169% | 5,526 |
| Memoranda: | ||
| Average total assets | $345,452,000 | 1,949 |
| Average earning assets | $329,345,000 | 1,907 |
| Average equity | $32,598,330 | 2,199 |
| Average total loans | $309,472,670 | 1,531 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 609 |
| Cost of funding earning assets | 0.9506% | 212 |
| Net interest margin | 3.9623% | 1,572 |
| Noninterest income to average assets | 0.1317% | 5,458 |
| Noninterest expense to average assets | 2.2434% | 4,548 |
| Loan and lease loss provision to assets | 0.1771% | 988 |
| Net operating income to assets | 0.9848% | 2,369 |
| Return on assets (ROA) | 0.9848% | 2,417 |
| Pretax return on assets | 1.4906% | 1,564 |
| Return on Equity (ROE) | 10.4884% | 1,744 |
| Retained earnings to average equity (ytd only) | 8.9369% | 1,101 |
| Net charge-offs to loans | -0.0132% | 4,531 |
| Credit loss provision to net charge-offs | -1,520.0000% | 4,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3600% | 4,794 |
| Assets per employee ($millions) | 8.8460% | 448 |
| Cash dividends to net income (ytd only)* | 14.7929% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 3,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 87.5291% | 134 |
| Net loans and leases to deposits | 101.3547% | 528 |
| Net loans and leases to core deposits | 113.2568% | 714 |
| Total domestic deposits to total assets | 86.3592% | 2,507 |
| Equity capital to assets | 9.4500% | 4,336 |
| Core capital (leverage) ratio | 9.5506% | 4,053 |
| Tier 1 risk-based capital ratio | 10.6392% | 5,489 |
| Total risk-based capital ratio | 11.8091% | 5,435 |
| Memoranda: | ||
| Average total assets | $343,222,500 | 1,973 |
| Average earning assets | $327,385,500 | 1,924 |
| Average equity | $32,226,000 | 2,227 |
| Average total loans | $303,760,000 | 1,563 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 947 |
| Cost of funding earning assets | 1.0000% | 174 |
| Net interest margin | 3.7591% | 2,472 |
| Noninterest income to average assets | 0.0773% | 5,705 |
| Noninterest expense to average assets | 2.2149% | 4,743 |
| Loan and lease loss provision to assets | 0.1719% | 1,413 |
| Net operating income to assets | 0.8615% | 3,018 |
| Return on assets (ROA) | 0.8615% | 3,128 |
| Pretax return on assets | 1.3114% | 2,241 |
| Return on Equity (ROE) | 9.0559% | 2,393 |
| Retained earnings to average equity (ytd only) | 7.1576% | 1,167 |
| Net charge-offs to loans | -0.0090% | 4,916 |
| Credit loss provision to net charge-offs | -2,224.0000% | 5,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8913% | 4,601 |
| Assets per employee ($millions) | 8.7551% | 452 |
| Cash dividends to net income (ytd only)* | 20.9620% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 3,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 87.4348% | 151 |
| Net loans and leases to deposits | 102.7124% | 485 |
| Net loans and leases to core deposits | 115.8812% | 622 |
| Total domestic deposits to total assets | 85.1258% | 2,992 |
| Equity capital to assets | 9.3279% | 4,443 |
| Core capital (leverage) ratio | 9.4614% | 4,137 |
| Tier 1 risk-based capital ratio | 10.5721% | 5,541 |
| Total risk-based capital ratio | 11.7078% | 5,532 |
| Memoranda: | ||
| Average total assets | $323,405,200 | 2,040 |
| Average earning assets | $311,507,000 | 1,966 |
| Average equity | $30,764,600 | 2,304 |
| Average total loans | $277,890,000 | 1,629 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7289% | 1,017 |
| Cost of funding earning assets | 1.0066% | 166 |
| Net interest margin | 3.7223% | 2,632 |
| Noninterest income to average assets | 0.0631% | 5,802 |
| Noninterest expense to average assets | 2.2360% | 4,676 |
| Loan and lease loss provision to assets | 0.1689% | 1,346 |
| Net operating income to assets | 0.8241% | 3,263 |
| Return on assets (ROA) | 0.8241% | 3,391 |
| Pretax return on assets | 1.2543% | 2,603 |
| Return on Equity (ROE) | 8.6181% | 2,703 |
| Retained earnings to average equity (ytd only) | 6.8297% | 1,707 |
| Net charge-offs to loans | -0.0088% | 4,738 |
| Credit loss provision to net charge-offs | -2,244.4444% | 5,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1060% | 4,372 |
| Assets per employee ($millions) | 9.3787% | 364 |
| Cash dividends to net income (ytd only)* | 20.7509% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 3,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 84.7107% | 349 |
| Net loans and leases to deposits | 98.4730% | 814 |
| Net loans and leases to core deposits | 109.5361% | 950 |
| Total domestic deposits to total assets | 86.0242% | 2,334 |
| Equity capital to assets | 9.2446% | 4,928 |
| Core capital (leverage) ratio | 9.2703% | 4,504 |
| Tier 1 risk-based capital ratio | 10.6948% | 5,526 |
| Total risk-based capital ratio | 11.8133% | 5,514 |
| Memoranda: | ||
| Average total assets | $318,894,000 | 2,071 |
| Average earning assets | $308,082,250 | 1,993 |
| Average equity | $30,493,250 | 2,332 |
| Average total loans | $271,871,000 | 1,661 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7691% | 936 |
| Cost of funding earning assets | 0.9983% | 171 |
| Net interest margin | 3.7709% | 2,440 |
| Noninterest income to average assets | 0.0608% | 5,888 |
| Noninterest expense to average assets | 2.2428% | 4,744 |
| Loan and lease loss provision to assets | 0.1618% | 1,399 |
| Net operating income to assets | 0.8354% | 3,149 |
| Return on assets (ROA) | 0.8354% | 3,285 |
| Pretax return on assets | 1.2832% | 2,471 |
| Return on Equity (ROE) | 8.6338% | 2,677 |
| Retained earnings to average equity (ytd only) | 7.5562% | 1,358 |
| Net charge-offs to loans | -0.0090% | 4,670 |
| Credit loss provision to net charge-offs | -2,108.3333% | 5,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8153% | 4,536 |
| Assets per employee ($millions) | 10.2383% | 261 |
| Cash dividends to net income (ytd only)* | 12.4809% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 3,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 79.6365% | 965 |
| Net loans and leases to deposits | 92.6580% | 1,440 |
| Net loans and leases to core deposits | 103.0660% | 1,396 |
| Total domestic deposits to total assets | 85.9467% | 2,447 |
| Equity capital to assets | 9.1167% | 5,147 |
| Core capital (leverage) ratio | 9.4203% | 4,310 |
| Tier 1 risk-based capital ratio | 11.1340% | 5,343 |
| Total risk-based capital ratio | 12.2575% | 5,342 |
| Memoranda: | ||
| Average total assets | $312,647,330 | 2,111 |
| Average earning assets | $300,724,670 | 2,054 |
| Average equity | $30,253,330 | 2,349 |
| Average total loans | $266,070,000 | 1,689 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9164% | 676 |
| Cost of funding earning assets | 0.9655% | 203 |
| Net interest margin | 3.9509% | 1,784 |
| Noninterest income to average assets | 0.0507% | 5,965 |
| Noninterest expense to average assets | 2.2064% | 4,890 |
| Loan and lease loss provision to assets | 0.2026% | 968 |
| Net operating income to assets | 0.9479% | 2,518 |
| Return on assets (ROA) | 0.9479% | 2,634 |
| Pretax return on assets | 1.4931% | 1,617 |
| Return on Equity (ROE) | 9.4866% | 2,205 |
| Retained earnings to average equity (ytd only) | 8.4726% | 1,273 |
| Net charge-offs to loans | -0.0076% | 4,421 |
| Credit loss provision to net charge-offs | -3,040.0000% | 4,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5425% | 5,146 |
| Assets per employee ($millions) | 9.3237% | 355 |
| Cash dividends to net income (ytd only)* | 10.6892% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 3,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 85.1132% | 285 |
| Net loans and leases to deposits | 100.9183% | 566 |
| Net loans and leases to core deposits | 111.0118% | 806 |
| Total domestic deposits to total assets | 84.3388% | 3,380 |
| Equity capital to assets | 9.8465% | 4,276 |
| Core capital (leverage) ratio | 10.0514% | 3,473 |
| Tier 1 risk-based capital ratio | 11.3779% | 5,291 |
| Total risk-based capital ratio | 12.5046% | 5,274 |
| Memoranda: | ||
| Average total assets | $300,039,000 | 2,187 |
| Average earning assets | $292,489,500 | 2,106 |
| Average equity | $29,979,000 | 2,369 |
| Average total loans | $263,021,000 | 1,705 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7995% | 931 |
| Cost of funding earning assets | 0.9671% | 204 |
| Net interest margin | 3.8324% | 2,267 |
| Noninterest income to average assets | 0.0527% | 5,997 |
| Noninterest expense to average assets | 2.2153% | 5,025 |
| Loan and lease loss provision to assets | 0.2158% | 963 |
| Net operating income to assets | 0.8498% | 3,116 |
| Return on assets (ROA) | 0.8498% | 3,184 |
| Pretax return on assets | 1.3587% | 2,075 |
| Return on Equity (ROE) | 8.3487% | 2,780 |
| Retained earnings to average equity (ytd only) | 7.2780% | 1,172 |
| Net charge-offs to loans | 0.0118% | 4,067 |
| Credit loss provision to net charge-offs | 2,089.6552% | 160 |
| Earnings coverage of net charge-offs (x) | 152.4483% | 419 |
| Efficiency ratio | 58.4532% | 5,090 |
| Assets per employee ($millions) | 9.1373% | 366 |
| Cash dividends to net income (ytd only)* | 12.8248% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 4,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 88.3483% | 112 |
| Net loans and leases to deposits | 106.0526% | 361 |
| Net loans and leases to core deposits | 117.5968% | 553 |
| Total domestic deposits to total assets | 83.3061% | 3,738 |
| Equity capital to assets | 10.1445% | 3,814 |
| Core capital (leverage) ratio | 9.9237% | 3,614 |
| Tier 1 risk-based capital ratio | 11.3895% | 5,320 |
| Total risk-based capital ratio | 12.4812% | 5,305 |
| Memoranda: | ||
| Average total assets | $280,775,400 | 2,264 |
| Average earning assets | $273,799,400 | 2,177 |
| Average equity | $28,579,200 | 2,416 |
| Average total loans | $245,025,200 | 1,757 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7734% | 975 |
| Cost of funding earning assets | 0.9561% | 221 |
| Net interest margin | 3.8173% | 2,318 |
| Noninterest income to average assets | 0.0504% | 6,095 |
| Noninterest expense to average assets | 2.2461% | 4,921 |
| Loan and lease loss provision to assets | 0.2183% | 875 |
| Net operating income to assets | 0.8234% | 3,314 |
| Return on assets (ROA) | 0.8234% | 3,396 |
| Pretax return on assets | 1.3066% | 2,370 |
| Return on Equity (ROE) | 8.0822% | 3,034 |
| Retained earnings to average equity (ytd only) | 7.0036% | 1,684 |
| Net charge-offs to loans | 0.0188% | 3,563 |
| Credit loss provision to net charge-offs | 1,338.2353% | 278 |
| Earnings coverage of net charge-offs (x) | 93.4752% | 659 |
| Efficiency ratio | 59.5623% | 4,941 |
| Assets per employee ($millions) | 10.0494% | 265 |
| Cash dividends to net income (ytd only)* | 13.3452% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 4,403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 82.5562% | 519 |
| Net loans and leases to deposits | 98.5508% | 772 |
| Net loans and leases to core deposits | 106.3755% | 1,070 |
| Total domestic deposits to total assets | 83.7702% | 3,516 |
| Equity capital to assets | 9.6450% | 4,583 |
| Core capital (leverage) ratio | 9.7609% | 3,948 |
| Tier 1 risk-based capital ratio | 11.3886% | 5,433 |
| Total risk-based capital ratio | 12.4408% | 5,449 |
| Memoranda: | ||
| Average total assets | $277,870,500 | 2,301 |
| Average earning assets | $270,829,000 | 2,212 |
| Average equity | $28,308,500 | 2,449 |
| Average total loans | $240,990,000 | 1,799 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8073% | 882 |
| Cost of funding earning assets | 0.9409% | 232 |
| Net interest margin | 3.8663% | 2,083 |
| Noninterest income to average assets | 0.0474% | 6,184 |
| Noninterest expense to average assets | 2.3519% | 4,710 |
| Loan and lease loss provision to assets | 0.2244% | 843 |
| Net operating income to assets | 0.7852% | 3,464 |
| Return on assets (ROA) | 0.7852% | 3,565 |
| Pretax return on assets | 1.2393% | 2,606 |
| Return on Equity (ROE) | 7.5574% | 3,285 |
| Retained earnings to average equity (ytd only) | 6.4666% | 1,967 |
| Net charge-offs to loans | -0.0093% | 4,900 |
| Credit loss provision to net charge-offs | -2,754.5455% | 5,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6385% | 4,735 |
| Assets per employee ($millions) | 9.7920% | 280 |
| Cash dividends to net income (ytd only)* | 14.4340% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 4,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 86.7746% | 195 |
| Net loans and leases to deposits | 105.4575% | 393 |
| Net loans and leases to core deposits | 115.1070% | 620 |
| Total domestic deposits to total assets | 82.2840% | 4,197 |
| Equity capital to assets | 10.0377% | 3,999 |
| Core capital (leverage) ratio | 10.2552% | 3,277 |
| Tier 1 risk-based capital ratio | 11.6998% | 5,344 |
| Total risk-based capital ratio | 12.7588% | 5,381 |
| Memoranda: | ||
| Average total assets | $270,000,000 | 2,374 |
| Average earning assets | $263,143,000 | 2,277 |
| Average equity | $28,052,000 | 2,481 |
| Average total loans | $237,461,670 | 1,824 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7705% | 906 |
| Cost of funding earning assets | 0.9342% | 241 |
| Net interest margin | 3.8364% | 2,114 |
| Noninterest income to average assets | 0.0411% | 6,254 |
| Noninterest expense to average assets | 2.3269% | 4,803 |
| Loan and lease loss provision to assets | 0.2281% | 762 |
| Net operating income to assets | 0.7847% | 3,342 |
| Return on assets (ROA) | 0.7847% | 3,475 |
| Pretax return on assets | 1.2334% | 2,537 |
| Return on Equity (ROE) | 7.4175% | 3,263 |
| Retained earnings to average equity (ytd only) | 6.3106% | 2,331 |
| Net charge-offs to loans | -0.0104% | 4,732 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4211% | 4,893 |
| Assets per employee ($millions) | 9.3434% | 322 |
| Cash dividends to net income (ytd only)* | 14.9225% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 4,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 86.9796% | 143 |
| Net loans and leases to deposits | 106.1359% | 311 |
| Net loans and leases to core deposits | 116.3174% | 515 |
| Total domestic deposits to total assets | 81.9512% | 4,524 |
| Equity capital to assets | 10.3491% | 3,720 |
| Core capital (leverage) ratio | 10.6241% | 2,827 |
| Tier 1 risk-based capital ratio | 12.4119% | 4,972 |
| Total risk-based capital ratio | 13.4857% | 4,995 |
| Memoranda: | ||
| Average total assets | $263,015,500 | 2,444 |
| Average earning assets | $256,910,000 | 2,335 |
| Average equity | $27,826,000 | 2,512 |
| Average total loans | $231,698,000 | 1,865 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0398% | 713 |
| Cost of funding earning assets | 0.8793% | 440 |
| Net interest margin | 4.1605% | 1,404 |
| Noninterest income to average assets | 0.0518% | 6,287 |
| Noninterest expense to average assets | 2.6303% | 4,116 |
| Loan and lease loss provision to assets | 0.2527% | 897 |
| Net operating income to assets | 0.7580% | 3,583 |
| Return on assets (ROA) | 0.7580% | 3,686 |
| Pretax return on assets | 1.2193% | 2,574 |
| Return on Equity (ROE) | 7.5572% | 3,342 |
| Retained earnings to average equity (ytd only) | 7.0965% | 1,356 |
| Net charge-offs to loans | 0.0309% | 4,206 |
| Credit loss provision to net charge-offs | 914.0625% | 297 |
| Earnings coverage of net charge-offs (x) | 53.2500% | 880 |
| Efficiency ratio | 64.1188% | 4,573 |
| Assets per employee ($millions) | 8.7956% | 379 |
| Cash dividends to net income (ytd only)* | 6.0969% | 4,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 5,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 87.4404% | 138 |
| Net loans and leases to deposits | 104.8328% | 406 |
| Net loans and leases to core deposits | 115.9292% | 531 |
| Total domestic deposits to total assets | 83.4093% | 3,943 |
| Equity capital to assets | 10.8244% | 3,094 |
| Core capital (leverage) ratio | 10.8857% | 2,512 |
| Tier 1 risk-based capital ratio | 12.9805% | 4,740 |
| Total risk-based capital ratio | 14.0461% | 4,773 |
| Memoranda: | ||
| Average total assets | $231,533,000 | 2,683 |
| Average earning assets | $225,406,200 | 2,572 |
| Average equity | $23,222,800 | 2,825 |
| Average total loans | $207,150,000 | 1,993 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0637% | 694 |
| Cost of funding earning assets | 0.8608% | 514 |
| Net interest margin | 4.2030% | 1,284 |
| Noninterest income to average assets | 0.0555% | 6,370 |
| Noninterest expense to average assets | 2.7186% | 3,755 |
| Loan and lease loss provision to assets | 0.2570% | 831 |
| Net operating income to assets | 0.7280% | 3,796 |
| Return on assets (ROA) | 0.7280% | 3,898 |
| Pretax return on assets | 1.1682% | 2,915 |
| Return on Equity (ROE) | 7.4240% | 3,484 |
| Retained earnings to average equity (ytd only) | 7.2432% | 1,694 |
| Net charge-offs to loans | 0.0467% | 3,563 |
| Credit loss provision to net charge-offs | 612.6761% | 484 |
| Earnings coverage of net charge-offs (x) | 33.9734% | 1,264 |
| Efficiency ratio | 65.6067% | 4,272 |
| Assets per employee ($millions) | 8.2939% | 455 |
| Cash dividends to net income (ytd only)* | 2.4351% | 3,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 5,393 |
| Loan loss allowance to noncurrent loans | 1,525.3623% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 5,923 |
| Noncurrent loans to loans | 0.0627% | 5,763 |
| Net loans and leases to total assets | 87.5600% | 131 |
| Net loans and leases to deposits | 105.6587% | 344 |
| Net loans and leases to core deposits | 116.4692% | 489 |
| Total domestic deposits to total assets | 82.8706% | 4,189 |
| Equity capital to assets | 9.1521% | 5,210 |
| Core capital (leverage) ratio | 9.5276% | 4,337 |
| Tier 1 risk-based capital ratio | 10.9511% | 6,016 |
| Total risk-based capital ratio | 11.9663% | 6,074 |
| Memoranda: | ||
| Average total assets | $225,648,500 | 2,755 |
| Average earning assets | $219,489,500 | 2,643 |
| Average equity | $22,126,000 | 2,943 |
| Average total loans | $202,613,250 | 2,031 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1242% | 587 |
| Cost of funding earning assets | 0.8457% | 569 |
| Net interest margin | 4.2785% | 1,071 |
| Noninterest income to average assets | 0.0587% | 6,418 |
| Noninterest expense to average assets | 2.8395% | 3,377 |
| Loan and lease loss provision to assets | 0.2597% | 819 |
| Net operating income to assets | 0.6911% | 3,890 |
| Return on assets (ROA) | 0.6911% | 3,979 |
| Pretax return on assets | 1.1242% | 2,997 |
| Return on Equity (ROE) | 6.8734% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.6908% | 1,933 |
| Net charge-offs to loans | -0.0173% | 5,493 |
| Credit loss provision to net charge-offs | -1,664.7059% | 5,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2316% | 4,154 |
| Assets per employee ($millions) | 7.7826% | 551 |
| Cash dividends to net income (ytd only)* | 2.6560% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 5,424 |
| Loan loss allowance to noncurrent loans | 2,172.3404% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 6,083 |
| Noncurrent loans to loans | 0.0452% | 5,916 |
| Net loans and leases to total assets | 88.2524% | 91 |
| Net loans and leases to deposits | 105.5287% | 318 |
| Net loans and leases to core deposits | 116.7111% | 459 |
| Total domestic deposits to total assets | 83.6289% | 4,064 |
| Equity capital to assets | 9.5542% | 4,684 |
| Core capital (leverage) ratio | 9.7089% | 4,027 |
| Tier 1 risk-based capital ratio | 11.2807% | 5,916 |
| Total risk-based capital ratio | 12.3167% | 5,962 |
| Memoranda: | ||
| Average total assets | $217,925,330 | 2,836 |
| Average earning assets | $212,130,670 | 2,717 |
| Average equity | $21,910,670 | 2,956 |
| Average total loans | $196,827,670 | 2,072 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1596% | 523 |
| Cost of funding earning assets | 0.7987% | 751 |
| Net interest margin | 4.3608% | 875 |
| Noninterest income to average assets | 0.0647% | 6,443 |
| Noninterest expense to average assets | 3.1121% | 2,489 |
| Loan and lease loss provision to assets | 0.2589% | 817 |
| Net operating income to assets | 0.5653% | 4,386 |
| Return on assets (ROA) | 0.5653% | 4,461 |
| Pretax return on assets | 0.9441% | 3,541 |
| Return on Equity (ROE) | 5.4715% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.2873% | 2,927 |
| Net charge-offs to loans | -0.0251% | 5,464 |
| Credit loss provision to net charge-offs | -1,133.3333% | 5,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1217% | 3,466 |
| Assets per employee ($millions) | 7.4857% | 634 |
| Cash dividends to net income (ytd only)* | 3.3670% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 5,715 |
| Loan loss allowance to noncurrent loans | 2,009.5745% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 6,158 |
| Noncurrent loans to loans | 0.0471% | 6,008 |
| Net loans and leases to total assets | 91.0445% | 32 |
| Net loans and leases to deposits | 107.8979% | 194 |
| Net loans and leases to core deposits | 120.7024% | 311 |
| Total domestic deposits to total assets | 84.3802% | 4,132 |
| Equity capital to assets | 10.0694% | 3,762 |
| Core capital (leverage) ratio | 10.6913% | 2,711 |
| Tier 1 risk-based capital ratio | 11.6191% | 5,848 |
| Total risk-based capital ratio | 12.6264% | 5,929 |
| Memoranda: | ||
| Average total assets | $210,149,000 | 2,930 |
| Average earning assets | $204,823,500 | 2,798 |
| Average equity | $21,712,500 | 2,971 |
| Average total loans | $191,195,500 | 2,124 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 671 |
| Cost of funding earning assets | 0.7890% | 1,273 |
| Net interest margin | 4.3915% | 928 |
| Noninterest income to average assets | 0.0509% | 6,549 |
| Noninterest expense to average assets | 3.1579% | 2,554 |
| Loan and lease loss provision to assets | 0.1668% | 2,194 |
| Net operating income to assets | 0.5904% | 4,308 |
| Return on assets (ROA) | 0.5904% | 4,418 |
| Pretax return on assets | 0.9923% | 3,381 |
| Return on Equity (ROE) | 5.1778% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.9878% | 2,608 |
| Net charge-offs to loans | -0.0068% | 5,970 |
| Credit loss provision to net charge-offs | -2,800.0000% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1493% | 3,268 |
| Assets per employee ($millions) | 7.0074% | 765 |
| Cash dividends to net income (ytd only)* | 3.6697% | 4,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 5,752 |
| Loan loss allowance to noncurrent loans | 1,658.0952% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 6,220 |
| Noncurrent loans to loans | 0.0574% | 6,061 |
| Net loans and leases to total assets | 89.1267% | 58 |
| Net loans and leases to deposits | 107.0020% | 234 |
| Net loans and leases to core deposits | 118.6057% | 357 |
| Total domestic deposits to total assets | 83.2945% | 4,431 |
| Equity capital to assets | 10.6125% | 3,033 |
| Core capital (leverage) ratio | 10.5771% | 2,812 |
| Tier 1 risk-based capital ratio | 12.3937% | 5,359 |
| Total risk-based capital ratio | 13.3972% | 5,464 |
| Memoranda: | ||
| Average total assets | $184,617,200 | 3,223 |
| Average earning assets | $179,348,000 | 3,077 |
| Average equity | $21,051,400 | 3,035 |
| Average total loans | $160,971,800 | 2,413 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0957% | 776 |
| Cost of funding earning assets | 0.7667% | 1,504 |
| Net interest margin | 4.3290% | 1,027 |
| Noninterest income to average assets | 0.0489% | 6,639 |
| Noninterest expense to average assets | 3.0619% | 2,783 |
| Loan and lease loss provision to assets | 0.1660% | 2,184 |
| Net operating income to assets | 0.6134% | 4,292 |
| Return on assets (ROA) | 0.6134% | 4,418 |
| Pretax return on assets | 1.0209% | 3,417 |
| Return on Equity (ROE) | 5.2764% | 4,579 |
| Retained earnings to average equity (ytd only) | 5.0852% | 3,016 |
| Net charge-offs to loans | -0.0549% | 6,345 |
| Credit loss provision to net charge-offs | -350.0000% | 5,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0663% | 3,392 |
| Assets per employee ($millions) | 6.9883% | 756 |
| Cash dividends to net income (ytd only)* | 3.6233% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 5,785 |
| Loan loss allowance to noncurrent loans | 1,613.2075% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 6,303 |
| Noncurrent loans to loans | 0.0611% | 6,158 |
| Net loans and leases to total assets | 84.7455% | 202 |
| Net loans and leases to deposits | 99.3745% | 495 |
| Net loans and leases to core deposits | 110.5258% | 561 |
| Total domestic deposits to total assets | 85.2789% | 3,594 |
| Equity capital to assets | 10.5200% | 3,252 |
| Core capital (leverage) ratio | 11.0724% | 2,411 |
| Tier 1 risk-based capital ratio | 12.7223% | 5,311 |
| Total risk-based capital ratio | 13.7462% | 5,403 |
| Memoranda: | ||
| Average total assets | $179,968,000 | 3,295 |
| Average earning assets | $174,600,250 | 3,184 |
| Average equity | $20,922,750 | 3,081 |
| Average total loans | $155,500,000 | 2,495 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1148% | 754 |
| Cost of funding earning assets | 0.7547% | 1,673 |
| Net interest margin | 4.3601% | 919 |
| Noninterest income to average assets | 0.0522% | 6,664 |
| Noninterest expense to average assets | 3.1438% | 2,534 |
| Loan and lease loss provision to assets | 0.1624% | 2,296 |
| Net operating income to assets | 0.5940% | 4,320 |
| Return on assets (ROA) | 0.5940% | 4,504 |
| Pretax return on assets | 0.9884% | 3,564 |
| Return on Equity (ROE) | 4.9254% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.7330% | 3,239 |
| Net charge-offs to loans | -0.0883% | 6,469 |
| Credit loss provision to net charge-offs | -212.1212% | 5,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2037% | 3,277 |
| Assets per employee ($millions) | 6.1956% | 1,078 |
| Cash dividends to net income (ytd only)* | 3.9063% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 5,807 |
| Loan loss allowance to noncurrent loans | 1,085.3333% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 6,255 |
| Noncurrent loans to loans | 0.0924% | 6,125 |
| Net loans and leases to total assets | 86.4335% | 135 |
| Net loans and leases to deposits | 97.8935% | 548 |
| Net loans and leases to core deposits | 109.3912% | 586 |
| Total domestic deposits to total assets | 88.2934% | 2,050 |
| Equity capital to assets | 11.3112% | 2,451 |
| Core capital (leverage) ratio | 12.0428% | 1,589 |
| Tier 1 risk-based capital ratio | 13.5663% | 4,731 |
| Total risk-based capital ratio | 14.6209% | 4,810 |
| Memoranda: | ||
| Average total assets | $172,403,670 | 3,424 |
| Average earning assets | $167,747,000 | 3,288 |
| Average equity | $20,790,330 | 3,119 |
| Average total loans | $149,514,670 | 2,579 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3213% | 491 |
| Cost of funding earning assets | 0.7644% | 1,752 |
| Net interest margin | 4.5568% | 610 |
| Noninterest income to average assets | 0.0531% | 6,722 |
| Noninterest expense to average assets | 3.2884% | 2,114 |
| Loan and lease loss provision to assets | 0.1714% | 2,147 |
| Net operating income to assets | 0.6157% | 4,137 |
| Return on assets (ROA) | 0.6157% | 4,298 |
| Pretax return on assets | 1.0261% | 3,237 |
| Return on Equity (ROE) | 4.9339% | 4,610 |
| Retained earnings to average equity (ytd only) | 4.7404% | 3,392 |
| Net charge-offs to loans | -0.1425% | 6,584 |
| Credit loss provision to net charge-offs | -139.2157% | 5,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3046% | 3,392 |
| Assets per employee ($millions) | 5.9898% | 1,261 |
| Cash dividends to net income (ytd only)* | 3.9216% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 5,732 |
| Loan loss allowance to noncurrent loans | 212.0879% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 5,300 |
| Noncurrent loans to loans | 0.5026% | 5,168 |
| Net loans and leases to total assets | 85.4507% | 141 |
| Net loans and leases to deposits | 97.9683% | 444 |
| Net loans and leases to core deposits | 110.5487% | 482 |
| Total domestic deposits to total assets | 87.2228% | 2,812 |
| Equity capital to assets | 12.3962% | 1,776 |
| Core capital (leverage) ratio | 12.4551% | 1,353 |
| Tier 1 risk-based capital ratio | 14.9481% | 3,875 |
| Total risk-based capital ratio | 16.0633% | 3,930 |
| Memoranda: | ||
| Average total assets | $165,671,000 | 3,572 |
| Average earning assets | $161,165,000 | 3,412 |
| Average equity | $20,673,500 | 3,182 |
| Average total loans | $143,131,500 | 2,675 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3467% | 831 |
| Cost of funding earning assets | 0.8143% | 2,550 |
| Net interest margin | 4.5324% | 887 |
| Noninterest income to average assets | 0.0511% | 6,684 |
| Noninterest expense to average assets | 3.0981% | 2,928 |
| Loan and lease loss provision to assets | 0.5601% | 1,015 |
| Net operating income to assets | 0.7185% | 3,649 |
| Return on assets (ROA) | 0.7185% | 3,907 |
| Pretax return on assets | 0.6842% | 4,716 |
| Return on Equity (ROE) | 5.7959% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.5293% | 2,363 |
| Net charge-offs to loans | 0.7393% | 1,591 |
| Credit loss provision to net charge-offs | 92.5773% | 3,367 |
| Earnings coverage of net charge-offs (x) | 2.0567% | 4,384 |
| Efficiency ratio | 71.3444% | 3,555 |
| Assets per employee ($millions) | 6.5452% | 985 |
| Cash dividends to net income (ytd only)* | 4.6007% | 4,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 5,940 |
| Loan loss allowance to noncurrent loans | 103.6443% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 4,376 |
| Noncurrent loans to loans | 0.9702% | 4,253 |
| Net loans and leases to total assets | 85.5502% | 146 |
| Net loans and leases to deposits | 98.2820% | 492 |
| Net loans and leases to core deposits | 109.7207% | 546 |
| Total domestic deposits to total assets | 87.0457% | 2,823 |
| Equity capital to assets | 12.5632% | 1,662 |
| Core capital (leverage) ratio | 12.1077% | 1,509 |
| Tier 1 risk-based capital ratio | 15.0477% | 3,689 |
| Total risk-based capital ratio | 16.0940% | 3,764 |
| Memoranda: | ||
| Average total assets | $160,324,400 | 3,624 |
| Average earning assets | $151,795,000 | 3,514 |
| Average equity | $19,876,000 | 3,214 |
| Average total loans | $131,207,400 | 2,862 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3191% | 968 |
| Cost of funding earning assets | 0.8199% | 2,776 |
| Net interest margin | 4.4992% | 991 |
| Noninterest income to average assets | 0.0510% | 6,798 |
| Noninterest expense to average assets | 3.1105% | 2,854 |
| Loan and lease loss provision to assets | 0.6253% | 851 |
| Net operating income to assets | 0.4272% | 5,129 |
| Return on assets (ROA) | 0.4272% | 5,368 |
| Pretax return on assets | 0.5492% | 5,304 |
| Return on Equity (ROE) | 3.4575% | 5,508 |
| Retained earnings to average equity (ytd only) | 3.1665% | 4,647 |
| Net charge-offs to loans | 1.0280% | 1,028 |
| Credit loss provision to net charge-offs | 75.4032% | 3,758 |
| Earnings coverage of net charge-offs (x) | 1.4163% | 4,581 |
| Efficiency ratio | 72.5907% | 3,215 |
| Assets per employee ($millions) | 6.4417% | 978 |
| Cash dividends to net income (ytd only)* | 8.4145% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 6,350 |
| Loan loss allowance to noncurrent loans | 89.3495% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.8353% | 4,619 |
| Noncurrent loans to loans | 1.0210% | 4,409 |
| Net loans and leases to total assets | 81.0703% | 427 |
| Net loans and leases to deposits | 92.4019% | 929 |
| Net loans and leases to core deposits | 100.1882% | 1,105 |
| Total domestic deposits to total assets | 87.7367% | 2,201 |
| Equity capital to assets | 11.9367% | 2,318 |
| Core capital (leverage) ratio | 12.1205% | 1,580 |
| Tier 1 risk-based capital ratio | 14.7749% | 3,995 |
| Total risk-based capital ratio | 15.7068% | 4,181 |
| Memoranda: | ||
| Average total assets | $159,498,250 | 3,669 |
| Average earning assets | $150,096,500 | 3,581 |
| Average equity | $19,705,750 | 3,266 |
| Average total loans | $128,657,500 | 2,945 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 942 |
| Cost of funding earning assets | 0.8445% | 2,839 |
| Net interest margin | 4.5161% | 963 |
| Noninterest income to average assets | 0.0548% | 6,841 |
| Noninterest expense to average assets | 3.1613% | 2,719 |
| Loan and lease loss provision to assets | 0.7396% | 706 |
| Net operating income to assets | 0.2372% | 5,805 |
| Return on assets (ROA) | 0.2372% | 5,994 |
| Pretax return on assets | 0.3889% | 5,731 |
| Return on Equity (ROE) | 1.8970% | 6,076 |
| Retained earnings to average equity (ytd only) | 1.6828% | 5,359 |
| Net charge-offs to loans | 1.6287% | 571 |
| Credit loss provision to net charge-offs | 56.5854% | 3,888 |
| Earnings coverage of net charge-offs (x) | 0.8634% | 4,623 |
| Efficiency ratio | 73.6920% | 3,124 |
| Assets per employee ($millions) | 5.9724% | 1,250 |
| Cash dividends to net income (ytd only)* | 11.2903% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7893% | 6,692 |
| Loan loss allowance to noncurrent loans | 66.7303% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 0.9748% | 4,422 |
| Noncurrent loans to loans | 1.1828% | 4,178 |
| Net loans and leases to total assets | 81.7656% | 349 |
| Net loans and leases to deposits | 93.3948% | 822 |
| Net loans and leases to core deposits | 101.3997% | 1,010 |
| Total domestic deposits to total assets | 87.5484% | 2,437 |
| Equity capital to assets | 12.1912% | 2,008 |
| Core capital (leverage) ratio | 12.0412% | 1,584 |
| Tier 1 risk-based capital ratio | 15.1018% | 3,708 |
| Total risk-based capital ratio | 15.9136% | 3,952 |
| Memoranda: | ||
| Average total assets | $156,836,670 | 3,722 |
| Average earning assets | $147,072,670 | 3,654 |
| Average equity | $19,610,330 | 3,270 |
| Average total loans | $125,867,000 | 3,011 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1027% | 1,565 |
| Cost of funding earning assets | 0.8703% | 2,914 |
| Net interest margin | 4.2324% | 1,664 |
| Noninterest income to average assets | 0.0492% | 6,933 |
| Noninterest expense to average assets | 3.0758% | 2,999 |
| Loan and lease loss provision to assets | 0.1552% | 3,434 |
| Net operating income to assets | 0.4682% | 4,968 |
| Return on assets (ROA) | 0.4682% | 5,161 |
| Pretax return on assets | 0.7683% | 4,538 |
| Return on Equity (ROE) | 3.6965% | 5,430 |
| Retained earnings to average equity (ytd only) | 3.4719% | 4,498 |
| Net charge-offs to loans | -0.0196% | 6,180 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9082% | 2,662 |
| Assets per employee ($millions) | 6.1792% | 1,169 |
| Cash dividends to net income (ytd only)* | 6.0773% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 5,237 |
| Loan loss allowance to noncurrent loans | 59.7243% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.6258% | 3,411 |
| Noncurrent loans to loans | 2.0943% | 3,034 |
| Net loans and leases to total assets | 76.6604% | 733 |
| Net loans and leases to deposits | 87.7003% | 1,206 |
| Net loans and leases to core deposits | 95.1653% | 1,361 |
| Total domestic deposits to total assets | 87.4118% | 2,719 |
| Equity capital to assets | 12.2496% | 1,879 |
| Core capital (leverage) ratio | 12.7812% | 1,212 |
| Tier 1 risk-based capital ratio | 15.6063% | 3,392 |
| Total risk-based capital ratio | 16.8535% | 3,356 |
| Memoranda: | ||
| Average total assets | $154,627,000 | 3,791 |
| Average earning assets | $144,316,000 | 3,735 |
| Average equity | $19,586,000 | 3,276 |
| Average total loans | $122,350,000 | 3,096 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3869% | 1,446 |
| Cost of funding earning assets | 0.9603% | 3,640 |
| Net interest margin | 4.4266% | 1,323 |
| Noninterest income to average assets | 0.0653% | 6,768 |
| Noninterest expense to average assets | 3.0477% | 3,407 |
| Loan and lease loss provision to assets | 0.5441% | 1,926 |
| Net operating income to assets | 0.5612% | 4,179 |
| Return on assets (ROA) | 0.5612% | 4,367 |
| Pretax return on assets | 0.6692% | 4,444 |
| Return on Equity (ROE) | 4.5121% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.5121% | 2,964 |
| Net charge-offs to loans | 0.5506% | 2,812 |
| Credit loss provision to net charge-offs | 120.2749% | 2,648 |
| Earnings coverage of net charge-offs (x) | 2.6821% | 3,868 |
| Efficiency ratio | 71.5250% | 3,682 |
| Assets per employee ($millions) | 6.1915% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 5,202 |
| Loan loss allowance to noncurrent loans | 59.9038% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.6784% | 3,434 |
| Noncurrent loans to loans | 2.0787% | 3,097 |
| Net loans and leases to total assets | 79.7363% | 524 |
| Net loans and leases to deposits | 92.0916% | 962 |
| Net loans and leases to core deposits | 104.5109% | 872 |
| Total domestic deposits to total assets | 86.5838% | 2,988 |
| Equity capital to assets | 13.1174% | 1,433 |
| Core capital (leverage) ratio | 13.0764% | 1,113 |
| Tier 1 risk-based capital ratio | 16.2253% | 2,945 |
| Total risk-based capital ratio | 17.4778% | 2,910 |
| Memoranda: | ||
| Average total assets | $128,656,400 | 4,199 |
| Average earning assets | $121,944,600 | 4,093 |
| Average equity | $16,001,400 | 3,728 |
| Average total loans | $105,702,400 | 3,482 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3656% | 1,620 |
| Cost of funding earning assets | 0.9439% | 4,085 |
| Net interest margin | 4.4218% | 1,341 |
| Noninterest income to average assets | 0.0755% | 6,862 |
| Noninterest expense to average assets | 3.0704% | 3,279 |
| Loan and lease loss provision to assets | 0.6630% | 1,459 |
| Net operating income to assets | 0.4280% | 4,863 |
| Return on assets (ROA) | 0.4280% | 5,059 |
| Pretax return on assets | 0.5541% | 4,955 |
| Return on Equity (ROE) | 3.4988% | 5,225 |
| Retained earnings to average equity (ytd only) | 3.4988% | 4,251 |
| Net charge-offs to loans | 0.7663% | 2,031 |
| Credit loss provision to net charge-offs | 104.7700% | 3,176 |
| Earnings coverage of net charge-offs (x) | 1.9233% | 4,212 |
| Efficiency ratio | 71.6118% | 3,636 |
| Assets per employee ($millions) | 5.8800% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 5,363 |
| Loan loss allowance to noncurrent loans | 50.6306% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 1.9664% | 3,183 |
| Noncurrent loans to loans | 2.4216% | 2,859 |
| Net loans and leases to total assets | 80.2075% | 497 |
| Net loans and leases to deposits | 93.2786% | 902 |
| Net loans and leases to core deposits | 105.9981% | 865 |
| Total domestic deposits to total assets | 85.9870% | 3,221 |
| Equity capital to assets | 13.5970% | 1,330 |
| Core capital (leverage) ratio | 14.6581% | 737 |
| Tier 1 risk-based capital ratio | 16.8163% | 2,712 |
| Total risk-based capital ratio | 18.0581% | 2,692 |
| Memoranda: | ||
| Average total assets | $123,671,500 | 4,325 |
| Average earning assets | $117,808,500 | 4,206 |
| Average equity | $15,128,750 | 3,893 |
| Average total loans | $102,133,250 | 3,594 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4698% | 1,363 |
| Cost of funding earning assets | 0.9450% | 4,359 |
| Net interest margin | 4.5248% | 1,071 |
| Noninterest income to average assets | 0.0815% | 6,921 |
| Noninterest expense to average assets | 3.1208% | 3,177 |
| Loan and lease loss provision to assets | 0.9418% | 936 |
| Net operating income to assets | 0.1748% | 5,815 |
| Return on assets (ROA) | 0.1748% | 5,914 |
| Pretax return on assets | 0.3496% | 5,547 |
| Return on Equity (ROE) | 1.4954% | 5,940 |
| Retained earnings to average equity (ytd only) | 1.4954% | 5,235 |
| Net charge-offs to loans | 1.0553% | 1,491 |
| Credit loss provision to net charge-offs | 107.3501% | 2,869 |
| Earnings coverage of net charge-offs (x) | 1.4720% | 4,181 |
| Efficiency ratio | 70.7308% | 3,978 |
| Assets per employee ($millions) | 5.7161% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 4,626 |
| Loan loss allowance to noncurrent loans | 83.7278% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.4079% | 4,107 |
| Noncurrent loans to loans | 1.6604% | 3,930 |
| Net loans and leases to total assets | 83.6127% | 266 |
| Net loans and leases to deposits | 95.9348% | 727 |
| Net loans and leases to core deposits | 110.9849% | 693 |
| Total domestic deposits to total assets | 87.1557% | 2,652 |
| Equity capital to assets | 12.4077% | 1,838 |
| Core capital (leverage) ratio | 12.2785% | 1,465 |
| Tier 1 risk-based capital ratio | 14.9004% | 3,549 |
| Total risk-based capital ratio | 16.1616% | 3,515 |
| Memoranda: | ||
| Average total assets | $117,855,670 | 4,518 |
| Average earning assets | $112,801,000 | 4,362 |
| Average equity | $13,775,670 | 4,160 |
| Average total loans | $97,980,000 | 3,742 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3422% | 1,745 |
| Cost of funding earning assets | 0.9164% | 4,800 |
| Net interest margin | 4.4258% | 1,226 |
| Noninterest income to average assets | 0.0959% | 6,939 |
| Noninterest expense to average assets | 2.8947% | 4,080 |
| Loan and lease loss provision to assets | 0.5310% | 1,635 |
| Net operating income to assets | 0.6269% | 3,886 |
| Return on assets (ROA) | 0.6269% | 3,951 |
| Pretax return on assets | 0.9386% | 3,369 |
| Return on Equity (ROE) | 5.5385% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.5385% | 2,890 |
| Net charge-offs to loans | 0.8285% | 1,586 |
| Credit loss provision to net charge-offs | 77.8894% | 3,199 |
| Earnings coverage of net charge-offs (x) | 2.1558% | 3,227 |
| Efficiency ratio | 66.3265% | 4,981 |
| Assets per employee ($millions) | 6.3983% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 4,788 |
| Loan loss allowance to noncurrent loans | 77.7713% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.4882% | 4,028 |
| Noncurrent loans to loans | 1.7673% | 3,869 |
| Net loans and leases to total assets | 83.0510% | 274 |
| Net loans and leases to deposits | 95.8733% | 697 |
| Net loans and leases to core deposits | 114.1996% | 596 |
| Total domestic deposits to total assets | 86.6257% | 3,166 |
| Equity capital to assets | 13.0018% | 1,382 |
| Core capital (leverage) ratio | 12.5482% | 1,304 |
| Tier 1 risk-based capital ratio | 15.6131% | 3,092 |
| Total risk-based capital ratio | 16.8746% | 3,049 |
| Memoranda: | ||
| Average total assets | $116,764,500 | 4,570 |
| Average earning assets | $112,613,500 | 4,393 |
| Average equity | $13,216,500 | 4,290 |
| Average total loans | $96,079,000 | 3,828 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3082% | 3,096 |
| Cost of funding earning assets | 1.1338% | 4,943 |
| Net interest margin | 4.1744% | 2,278 |
| Noninterest income to average assets | 0.1067% | 6,862 |
| Noninterest expense to average assets | 2.5331% | 5,671 |
| Loan and lease loss provision to assets | 0.7239% | 2,270 |
| Net operating income to assets | 0.8830% | 2,455 |
| Return on assets (ROA) | 0.8830% | 2,592 |
| Pretax return on assets | 0.8830% | 3,367 |
| Return on Equity (ROE) | 9.5541% | 2,093 |
| Retained earnings to average equity (ytd only) | 9.5541% | 595 |
| Net charge-offs to loans | 0.7483% | 2,771 |
| Credit loss provision to net charge-offs | 122.3176% | 3,418 |
| Earnings coverage of net charge-offs (x) | 2.7153% | 3,725 |
| Efficiency ratio | 61.1861% | 5,861 |
| Assets per employee ($millions) | 7.8907% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 4,300 |
| Loan loss allowance to noncurrent loans | 74.4727% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.5622% | 3,959 |
| Noncurrent loans to loans | 1.9427% | 3,643 |
| Net loans and leases to total assets | 79.2489% | 764 |
| Net loans and leases to deposits | 90.4706% | 1,464 |
| Net loans and leases to core deposits | 106.1627% | 1,181 |
| Total domestic deposits to total assets | 87.5963% | 2,486 |
| Equity capital to assets | 9.6815% | 4,167 |
| Core capital (leverage) ratio | 9.3502% | 3,926 |
| Tier 1 risk-based capital ratio | 11.8773% | 5,596 |
| Total risk-based capital ratio | 13.1379% | 5,564 |
| Memoranda: | ||
| Average total assets | $118,118,000 | 4,521 |
| Average earning assets | $114,125,200 | 4,370 |
| Average equity | $10,916,800 | 4,884 |
| Average total loans | $93,412,600 | 3,969 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2851% | 3,428 |
| Cost of funding earning assets | 1.1874% | 4,924 |
| Net interest margin | 4.0977% | 2,634 |
| Noninterest income to average assets | 0.0881% | 7,094 |
| Noninterest expense to average assets | 2.4643% | 5,839 |
| Loan and lease loss provision to assets | 0.6042% | 2,523 |
| Net operating income to assets | 0.9679% | 2,343 |
| Return on assets (ROA) | 0.9679% | 2,465 |
| Pretax return on assets | 0.9679% | 3,300 |
| Return on Equity (ROE) | 10.5984% | 1,905 |
| Retained earnings to average equity (ytd only) | 10.5984% | 669 |
| Net charge-offs to loans | 1.0096% | 1,992 |
| Credit loss provision to net charge-offs | 75.9943% | 5,254 |
| Earnings coverage of net charge-offs (x) | 1.9773% | 4,233 |
| Efficiency ratio | 61.0520% | 5,782 |
| Assets per employee ($millions) | 7.7073% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 5,984 |
| Loan loss allowance to noncurrent loans | 73.4637% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.1612% | 4,797 |
| Noncurrent loans to loans | 1.4826% | 4,411 |
| Net loans and leases to total assets | 77.4735% | 1,133 |
| Net loans and leases to deposits | 85.8923% | 2,367 |
| Net loans and leases to core deposits | 96.9742% | 2,147 |
| Total domestic deposits to total assets | 90.1984% | 776 |
| Equity capital to assets | 9.1707% | 5,351 |
| Core capital (leverage) ratio | 9.1699% | 4,427 |
| Tier 1 risk-based capital ratio | 11.4855% | 5,952 |
| Total risk-based capital ratio | 12.5720% | 6,077 |
| Memoranda: | ||
| Average total assets | $118,057,500 | 4,581 |
| Average earning assets | $113,750,750 | 4,435 |
| Average equity | $10,781,250 | 4,976 |
| Average total loans | $92,971,750 | 4,054 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2436% | 3,744 |
| Cost of funding earning assets | 1.2394% | 4,896 |
| Net interest margin | 4.0042% | 2,997 |
| Noninterest income to average assets | 0.0739% | 7,219 |
| Noninterest expense to average assets | 2.3920% | 6,085 |
| Loan and lease loss provision to assets | 0.8168% | 1,769 |
| Net operating income to assets | 0.7652% | 3,122 |
| Return on assets (ROA) | 0.7652% | 3,275 |
| Pretax return on assets | 0.7652% | 4,001 |
| Return on Equity (ROE) | 8.3920% | 2,717 |
| Retained earnings to average equity (ytd only) | 8.3920% | 1,297 |
| Net charge-offs to loans | 1.5365% | 1,247 |
| Credit loss provision to net charge-offs | 67.3759% | 5,037 |
| Earnings coverage of net charge-offs (x) | 1.3050% | 4,524 |
| Efficiency ratio | 60.1904% | 6,014 |
| Assets per employee ($millions) | 8.9956% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 6,138 |
| Loan loss allowance to noncurrent loans | 72.1777% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.1741% | 4,792 |
| Noncurrent loans to loans | 1.4690% | 4,505 |
| Net loans and leases to total assets | 79.0753% | 941 |
| Net loans and leases to deposits | 87.4722% | 2,266 |
| Net loans and leases to core deposits | 98.8857% | 2,134 |
| Total domestic deposits to total assets | 90.4005% | 718 |
| Equity capital to assets | 9.3276% | 4,968 |
| Core capital (leverage) ratio | 9.1429% | 4,384 |
| Tier 1 risk-based capital ratio | 11.5061% | 5,764 |
| Total risk-based capital ratio | 12.5709% | 5,908 |
| Memoranda: | ||
| Average total assets | $116,304,330 | 4,648 |
| Average earning assets | $113,281,000 | 4,467 |
| Average equity | $10,605,330 | 5,027 |
| Average total loans | $91,765,670 | 4,110 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1581% | 4,253 |
| Cost of funding earning assets | 1.3550% | 4,455 |
| Net interest margin | 3.8032% | 3,784 |
| Noninterest income to average assets | 0.0690% | 7,370 |
| Noninterest expense to average assets | 2.2520% | 6,534 |
| Loan and lease loss provision to assets | 1.3967% | 860 |
| Net operating income to assets | 0.1276% | 5,937 |
| Return on assets (ROA) | 0.1276% | 6,059 |
| Pretax return on assets | 0.1276% | 6,065 |
| Return on Equity (ROE) | 1.4157% | 5,990 |
| Retained earnings to average equity (ytd only) | 1.4157% | 5,236 |
| Net charge-offs to loans | 3.1017% | 488 |
| Credit loss provision to net charge-offs | 57.4468% | 4,351 |
| Earnings coverage of net charge-offs (x) | 0.6270% | 4,465 |
| Efficiency ratio | 59.6347% | 6,240 |
| Assets per employee ($millions) | 9.9003% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 6,452 |
| Loan loss allowance to noncurrent loans | 44.1939% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 1.7542% | 3,849 |
| Noncurrent loans to loans | 2.2686% | 3,433 |
| Net loans and leases to total assets | 76.5469% | 1,428 |
| Net loans and leases to deposits | 84.1632% | 2,913 |
| Net loans and leases to core deposits | 92.1976% | 3,083 |
| Total domestic deposits to total assets | 90.9506% | 569 |
| Equity capital to assets | 8.8255% | 5,499 |
| Core capital (leverage) ratio | 8.6904% | 5,038 |
| Tier 1 risk-based capital ratio | 11.1955% | 5,965 |
| Total risk-based capital ratio | 12.1967% | 6,186 |
| Memoranda: | ||
| Average total assets | $115,985,000 | 4,722 |
| Average earning assets | $113,064,000 | 4,538 |
| Average equity | $10,454,000 | 5,113 |
| Average total loans | $90,916,500 | 4,184 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8724% | 6,776 |
| Cost of funding earning assets | 1.9537% | 3,191 |
| Net interest margin | 2.9187% | 6,824 |
| Noninterest income to average assets | 0.0823% | 7,341 |
| Noninterest expense to average assets | 2.6496% | 5,597 |
| Loan and lease loss provision to assets | 1.2088% | 1,903 |
| Net operating income to assets | -0.9508% | 6,541 |
| Return on assets (ROA) | -0.9508% | 6,543 |
| Pretax return on assets | -0.9458% | 6,374 |
| Return on Equity (ROE) | -8.7470% | 6,529 |
| Retained earnings to average equity (ytd only) | -8.7470% | 6,416 |
| Net charge-offs to loans | 0.4929% | 3,799 |
| Credit loss provision to net charge-offs | 372.7554% | 853 |
| Earnings coverage of net charge-offs (x) | 0.8111% | 5,298 |
| Efficiency ratio | 90.9686% | 1,636 |
| Assets per employee ($millions) | 9.4306% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 4,444 |
| Loan loss allowance to noncurrent loans | 58.5612% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 1.8424% | 3,610 |
| Noncurrent loans to loans | 2.3174% | 3,269 |
| Net loans and leases to total assets | 78.4248% | 1,297 |
| Net loans and leases to deposits | 86.6751% | 2,803 |
| Net loans and leases to core deposits | 105.3062% | 3,418 |
| Total domestic deposits to total assets | 90.4813% | 750 |
| Equity capital to assets | 9.2103% | 4,832 |
| Core capital (leverage) ratio | 8.9547% | 4,500 |
| Tier 1 risk-based capital ratio | 11.5508% | 5,346 |
| Total risk-based capital ratio | 12.8134% | 5,292 |
| Memoranda: | ||
| Average total assets | $99,599,800 | 5,095 |
| Average earning assets | $96,585,400 | 4,935 |
| Average equity | $10,826,600 | 5,070 |
| Average total loans | $65,525,800 | 5,047 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7423% | 7,219 |
| Cost of funding earning assets | 2.0845% | 2,963 |
| Net interest margin | 2.6578% | 7,281 |
| Noninterest income to average assets | 0.0859% | 7,466 |
| Noninterest expense to average assets | 2.4862% | 6,118 |
| Loan and lease loss provision to assets | 1.1516% | 1,684 |
| Net operating income to assets | -0.9798% | 6,815 |
| Return on assets (ROA) | -0.9798% | 6,822 |
| Pretax return on assets | -0.9756% | 6,661 |
| Return on Equity (ROE) | -8.6263% | 6,780 |
| Retained earnings to average equity (ytd only) | -8.6263% | 6,670 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3889% | 1,440 |
| Assets per employee ($millions) | 8.6600% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 3,732 |
| Loan loss allowance to noncurrent loans | 362.5387% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 6,780 |
| Noncurrent loans to loans | 0.3975% | 6,546 |
| Net loans and leases to total assets | 71.1467% | 3,235 |
| Net loans and leases to deposits | 78.8356% | 4,589 |
| Net loans and leases to core deposits | 96.7706% | 4,731 |
| Total domestic deposits to total assets | 90.2469% | 687 |
| Equity capital to assets | 9.4919% | 4,755 |
| Core capital (leverage) ratio | 9.9294% | 3,367 |
| Tier 1 risk-based capital ratio | 11.5634% | 5,373 |
| Total risk-based capital ratio | 12.8239% | 5,303 |
| Memoranda: | ||
| Average total assets | $96,208,000 | 5,237 |
| Average earning assets | $93,257,000 | 5,063 |
| Average equity | $10,927,500 | 5,086 |
| Average total loans | $59,414,250 | 5,316 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 7,653 |
| Cost of funding earning assets | 2.2158% | 2,718 |
| Net interest margin | 2.2498% | 7,716 |
| Noninterest income to average assets | 0.0926% | 7,512 |
| Noninterest expense to average assets | 2.4551% | 6,282 |
| Loan and lease loss provision to assets | 1.4876% | 1,147 |
| Net operating income to assets | -1.6683% | 7,317 |
| Return on assets (ROA) | -1.6683% | 7,312 |
| Pretax return on assets | -1.6617% | 7,153 |
| Return on Equity (ROE) | -13.7536% | 7,268 |
| Retained earnings to average equity (ytd only) | -13.7536% | 7,169 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6329% | 919 |
| Assets per employee ($millions) | 7.8122% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 3,581 |
| Loan loss allowance to noncurrent loans | 314.2415% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 6,668 |
| Noncurrent loans to loans | 0.4548% | 6,386 |
| Net loans and leases to total assets | 68.9245% | 3,967 |
| Net loans and leases to deposits | 77.1917% | 5,000 |
| Net loans and leases to core deposits | 97.0523% | 4,781 |
| Total domestic deposits to total assets | 89.2900% | 1,127 |
| Equity capital to assets | 10.4225% | 3,497 |
| Core capital (leverage) ratio | 10.8829% | 2,503 |
| Tier 1 risk-based capital ratio | 13.0090% | 4,144 |
| Total risk-based capital ratio | 14.2594% | 4,059 |
| Memoranda: | ||
| Average total assets | $90,750,670 | 5,436 |
| Average earning assets | $88,273,330 | 5,252 |
| Average equity | $11,008,000 | 5,085 |
| Average total loans | $52,129,670 | 5,671 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0447% | 7,972 |
| Cost of funding earning assets | 2.3960% | 2,310 |
| Net interest margin | 1.6487% | 8,020 |
| Noninterest income to average assets | 0.1078% | 7,493 |
| Noninterest expense to average assets | 2.5355% | 5,711 |
| Loan and lease loss provision to assets | 0.7499% | 1,722 |
| Net operating income to assets | -1.5841% | 7,534 |
| Return on assets (ROA) | -1.5841% | 7,537 |
| Pretax return on assets | -1.5748% | 7,397 |
| Return on Equity (ROE) | -12.0504% | 7,480 |
| Retained earnings to average equity (ytd only) | -12.0504% | 7,271 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.2192% | 363 |
| Assets per employee ($millions) | 7.0495% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 6,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 55.7243% | 6,279 |
| Net loans and leases to deposits | 63.5601% | 6,599 |
| Net loans and leases to core deposits | 78.7260% | 6,481 |
| Total domestic deposits to total assets | 87.6719% | 1,898 |
| Equity capital to assets | 12.0695% | 2,217 |
| Core capital (leverage) ratio | 12.7580% | 1,576 |
| Tier 1 risk-based capital ratio | 19.7634% | 1,661 |
| Total risk-based capital ratio | 20.6721% | 1,684 |
| Memoranda: | ||
| Average total assets | $85,346,500 | 5,634 |
| Average earning assets | $82,972,000 | 5,459 |
| Average equity | $11,219,500 | 5,054 |
| Average total loans | $42,687,500 | 6,107 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5178% | 8,196 |
| Cost of funding earning assets | 1.4015% | 7,734 |
| Net interest margin | 1.1163% | 8,222 |
| Noninterest income to average assets | 0.0509% | 7,885 |
| Noninterest expense to average assets | 4.0488% | 1,345 |
| Loan and lease loss provision to assets | 0.6184% | 2,355 |
| Net operating income to assets | -3.5413% | 7,920 |
| Return on assets (ROA) | -3.5413% | 7,903 |
| Pretax return on assets | -3.5413% | 7,813 |
| Return on Equity (ROE) | -16.6240% | 7,652 |
| Retained earnings to average equity (ytd only) | -16.6240% | 7,551 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 359.6123% | 77 |
| Assets per employee ($millions) | 6.5874% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 5,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 42.3370% | 7,570 |
| Net loans and leases to deposits | 49.6035% | 7,645 |
| Net loans and leases to core deposits | 62.3361% | 7,504 |
| Total domestic deposits to total assets | 85.3509% | 2,684 |
| Equity capital to assets | 14.3936% | 1,327 |
| Core capital (leverage) ratio | 17.4145% | 657 |
| Tier 1 risk-based capital ratio | 25.6673% | 931 |
| Total risk-based capital ratio | 26.4457% | 953 |
| Memoranda: | ||
| Average total assets | $54,979,670 | 6,574 |
| Average earning assets | $52,943,330 | 6,467 |
| Average equity | $11,712,000 | 4,911 |
| Average total loans | $19,624,330 | 7,353 |