Home > Freedom Financial Bank > Performance and Condition Ratios
Freedom Financial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9126% | 2,250 |
| Cost of funding earning assets | 1.9275% | 1,024 |
| Net interest margin | 2.9850% | 3,316 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 1.5387% | 4,304 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2510% | 1,536 |
| Return on assets (ROA) | 1.2510% | 1,511 |
| Pretax return on assets | 1.2992% | 1,871 |
| Return on Equity (ROE) | 14.2500% | 1,436 |
| Retained earnings to average equity (ytd only) | 6.0172% | 2,232 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.8932% | 3,761 |
| Assets per employee ($millions) | 15.1135% | 207 |
| Cash dividends to net income (ytd only)* | 57.7701% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 1,981 |
| 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 | 72.1500% | 1,561 |
| Net loans and leases to deposits | 95.0376% | 862 |
| Net loans and leases to core deposits | 128.7051% | 423 |
| Total domestic deposits to total assets | 75.9200% | 3,950 |
| Equity capital to assets | 8.4645% | 3,082 |
| Core capital (leverage) ratio | 9.1021% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0807% | 2,806 |
| Memoranda: | ||
| Average total assets | $253,075,400 | 2,665 |
| Average earning assets | $242,073,600 | 2,614 |
| Average equity | $22,219,800 | 2,672 |
| Average total loans | $197,192,000 | 2,302 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8209% | 2,222 |
| Cost of funding earning assets | 1.8468% | 938 |
| Net interest margin | 2.9742% | 3,392 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 1.5184% | 4,301 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.2622% | 1,626 |
| Return on assets (ROA) | 1.2622% | 1,616 |
| Pretax return on assets | 1.3095% | 2,008 |
| Return on Equity (ROE) | 14.2400% | 1,596 |
| Retained earnings to average equity (ytd only) | 5.6740% | 2,725 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.3510% | 3,730 |
| Assets per employee ($millions) | 15.3376% | 184 |
| Cash dividends to net income (ytd only)* | 60.1446% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 2,135 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 74.6200% | 1,280 |
| Net loans and leases to deposits | 98.3626% | 593 |
| Net loans and leases to core deposits | 133.5615% | 298 |
| Total domestic deposits to total assets | 75.8700% | 4,021 |
| Equity capital to assets | 8.6312% | 2,643 |
| Core capital (leverage) ratio | 8.8682% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1071% | 2,807 |
| Memoranda: | ||
| Average total assets | $248,333,500 | 2,697 |
| Average earning assets | $237,596,250 | 2,648 |
| Average equity | $22,018,000 | 2,677 |
| Average total loans | $196,794,750 | 2,313 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 2,115 |
| Cost of funding earning assets | 1.5459% | 775 |
| Net interest margin | 3.0422% | 3,488 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 1.5849% | 4,324 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.2702% | 1,753 |
| Return on assets (ROA) | 1.2702% | 1,718 |
| Pretax return on assets | 1.3063% | 2,155 |
| Return on Equity (ROE) | 14.2700% | 1,719 |
| Retained earnings to average equity (ytd only) | 5.1726% | 2,980 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.4549% | 3,659 |
| Assets per employee ($millions) | 14.0793% | 242 |
| Cash dividends to net income (ytd only)* | 63.7419% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,590 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 77.2100% | 853 |
| Net loans and leases to deposits | 102.9760% | 332 |
| Net loans and leases to core deposits | 145.6360% | 145 |
| Total domestic deposits to total assets | 74.9800% | 4,225 |
| Equity capital to assets | 8.6297% | 2,801 |
| Core capital (leverage) ratio | 8.9191% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8616% | 2,959 |
| Memoranda: | ||
| Average total assets | $244,048,500 | 2,759 |
| Average earning assets | $233,647,000 | 2,715 |
| Average equity | $21,730,000 | 2,744 |
| Average total loans | $196,292,500 | 2,335 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0050% | 1,705 |
| Cost of funding earning assets | 0.9165% | 237 |
| Net interest margin | 3.0886% | 3,206 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 1.6055% | 4,301 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.2274% | 1,676 |
| Return on assets (ROA) | 1.2274% | 1,623 |
| Pretax return on assets | 1.2808% | 2,158 |
| Return on Equity (ROE) | 13.8600% | 1,566 |
| Retained earnings to average equity (ytd only) | 6.0282% | 2,637 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.4624% | 3,838 |
| Assets per employee ($millions) | 12.3511% | 354 |
| Cash dividends to net income (ytd only)* | 56.5007% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,433 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.9100% | 415 |
| Net loans and leases to deposits | 107.2169% | 218 |
| Net loans and leases to core deposits | 143.0115% | 125 |
| Total domestic deposits to total assets | 76.4000% | 4,232 |
| Equity capital to assets | 9.2002% | 2,224 |
| Core capital (leverage) ratio | 8.9556% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1109% | 2,952 |
| Memoranda: | ||
| Average total assets | $235,629,000 | 2,813 |
| Average earning assets | $224,668,200 | 2,776 |
| Average equity | $20,868,600 | 2,871 |
| Average total loans | $188,858,600 | 2,314 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7899% | 1,790 |
| Cost of funding earning assets | 0.8555% | 126 |
| Net interest margin | 2.9344% | 3,404 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 1.5816% | 4,321 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.0966% | 2,121 |
| Return on assets (ROA) | 1.0966% | 2,082 |
| Pretax return on assets | 1.1435% | 2,579 |
| Return on Equity (ROE) | 12.5000% | 1,874 |
| Retained earnings to average equity (ytd only) | 5.3620% | 2,970 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.3950% | 3,681 |
| Assets per employee ($millions) | 12.7072% | 327 |
| Cash dividends to net income (ytd only)* | 57.1134% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 2,804 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 81.0700% | 438 |
| Net loans and leases to deposits | 105.8408% | 192 |
| Net loans and leases to core deposits | 142.2550% | 90 |
| Total domestic deposits to total assets | 76.5900% | 4,342 |
| Equity capital to assets | 8.7655% | 2,366 |
| Core capital (leverage) ratio | 8.7572% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8097% | 3,065 |
| Memoranda: | ||
| Average total assets | $235,868,750 | 2,831 |
| Average earning assets | $224,731,750 | 2,795 |
| Average equity | $20,688,250 | 2,933 |
| Average total loans | $187,437,250 | 2,333 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6000% | 1,848 |
| Cost of funding earning assets | 0.8192% | 94 |
| Net interest margin | 2.7808% | 3,495 |
| Noninterest income to average assets | 0.0590% | 4,610 |
| Noninterest expense to average assets | 1.5820% | 4,325 |
| Loan and lease loss provision to assets | 0.1667% | 553 |
| Net operating income to assets | 0.9170% | 2,507 |
| Return on assets (ROA) | 0.9170% | 2,474 |
| Pretax return on assets | 0.9564% | 2,880 |
| Return on Equity (ROE) | 10.4530% | 2,178 |
| Retained earnings to average equity (ytd only) | 1.6464% | 3,840 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4834% | 3,490 |
| Assets per employee ($millions) | 12.5259% | 326 |
| Cash dividends to net income (ytd only)* | 84.2498% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 2,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 81.1074% | 338 |
| Net loans and leases to deposits | 106.2075% | 133 |
| Net loans and leases to core deposits | 140.0341% | 78 |
| Total domestic deposits to total assets | 76.3670% | 4,444 |
| Equity capital to assets | 8.6137% | 2,681 |
| Core capital (leverage) ratio | 8.7943% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6675% | 3,054 |
| Memoranda: | ||
| Average total assets | $234,013,000 | 2,864 |
| Average earning assets | $222,667,000 | 2,834 |
| Average equity | $20,530,000 | 3,016 |
| Average total loans | $183,917,667 | 2,359 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4761% | 1,884 |
| Cost of funding earning assets | 0.8057% | 86 |
| Net interest margin | 2.6704% | 3,475 |
| Noninterest income to average assets | 0.0569% | 4,643 |
| Noninterest expense to average assets | 1.6378% | 4,237 |
| Loan and lease loss provision to assets | 0.0517% | 1,452 |
| Net operating income to assets | 0.8741% | 2,393 |
| Return on assets (ROA) | 0.8741% | 2,386 |
| Pretax return on assets | 0.9103% | 2,734 |
| Return on Equity (ROE) | 9.8710% | 2,007 |
| Retained earnings to average equity (ytd only) | 8.3329% | 1,478 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9973% | 3,147 |
| Assets per employee ($millions) | 12.1848% | 375 |
| Cash dividends to net income (ytd only)* | 15.5819% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 3,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 78.7548% | 317 |
| Net loans and leases to deposits | 102.4303% | 136 |
| Net loans and leases to core deposits | 133.1673% | 80 |
| Total domestic deposits to total assets | 76.8862% | 4,468 |
| Equity capital to assets | 8.9667% | 2,738 |
| Core capital (leverage) ratio | 8.9964% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3207% | 3,005 |
| Memoranda: | ||
| Average total assets | $232,023,000 | 2,888 |
| Average earning assets | $220,938,500 | 2,860 |
| Average equity | $20,545,000 | 3,100 |
| Average total loans | $178,242,500 | 2,395 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5225% | 2,598 |
| Cost of funding earning assets | 0.9070% | 107 |
| Net interest margin | 2.6154% | 4,025 |
| Noninterest income to average assets | 0.0614% | 4,704 |
| Noninterest expense to average assets | 1.5059% | 4,540 |
| Loan and lease loss provision to assets | 0.0396% | 2,249 |
| Net operating income to assets | 0.9566% | 2,844 |
| Return on assets (ROA) | 0.9566% | 2,914 |
| Pretax return on assets | 0.9945% | 3,273 |
| Return on Equity (ROE) | 11.0850% | 2,138 |
| Retained earnings to average equity (ytd only) | 3.6967% | 3,342 |
| Net charge-offs to loans | -0.0128% | 3,818 |
| Credit loss provision to net charge-offs | -413.6364% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2872% | 3,259 |
| Assets per employee ($millions) | 11.6268% | 435 |
| Cash dividends to net income (ytd only)* | 66.6515% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 2,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 73.1258% | 735 |
| Net loans and leases to deposits | 95.8221% | 322 |
| Net loans and leases to core deposits | 122.5950% | 144 |
| Total domestic deposits to total assets | 76.3141% | 4,495 |
| Equity capital to assets | 8.7432% | 3,850 |
| Core capital (leverage) ratio | 8.7304% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7963% | 2,930 |
| Memoranda: | ||
| Average total assets | $229,767,400 | 2,847 |
| Average earning assets | $217,745,800 | 2,829 |
| Average equity | $19,828,600 | 3,233 |
| Average total loans | $171,834,200 | 2,448 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4188% | 3,051 |
| Cost of funding earning assets | 0.9275% | 117 |
| Net interest margin | 2.4913% | 4,290 |
| Noninterest income to average assets | 0.0599% | 4,781 |
| Noninterest expense to average assets | 1.5115% | 4,581 |
| Loan and lease loss provision to assets | 0.0528% | 1,931 |
| Net operating income to assets | 0.8195% | 3,471 |
| Return on assets (ROA) | 0.8195% | 3,547 |
| Pretax return on assets | 0.8515% | 3,793 |
| Return on Equity (ROE) | 9.5279% | 2,918 |
| Retained earnings to average equity (ytd only) | 1.3128% | 4,350 |
| Net charge-offs to loans | -0.0171% | 3,903 |
| Credit loss provision to net charge-offs | -413.6364% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5632% | 2,603 |
| Assets per employee ($millions) | 12.1329% | 359 |
| Cash dividends to net income (ytd only)* | 86.2216% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 71.3415% | 943 |
| Net loans and leases to deposits | 93.9406% | 419 |
| Net loans and leases to core deposits | 122.8560% | 159 |
| Total domestic deposits to total assets | 75.9432% | 4,542 |
| Equity capital to assets | 8.5856% | 4,147 |
| Core capital (leverage) ratio | 8.6650% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2263% | 2,919 |
| Memoranda: | ||
| Average total assets | $229,075,500 | 2,882 |
| Average earning assets | $216,642,750 | 2,863 |
| Average equity | $19,703,000 | 3,282 |
| Average total loans | $171,771,250 | 2,488 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3989% | 3,185 |
| Cost of funding earning assets | 0.9557% | 136 |
| Net interest margin | 2.4431% | 4,380 |
| Noninterest income to average assets | 0.0586% | 4,818 |
| Noninterest expense to average assets | 1.5101% | 4,613 |
| Loan and lease loss provision to assets | 0.0621% | 1,802 |
| Net operating income to assets | 0.7647% | 3,607 |
| Return on assets (ROA) | 0.7647% | 3,674 |
| Pretax return on assets | 0.7901% | 3,885 |
| Return on Equity (ROE) | 8.8851% | 3,135 |
| Retained earnings to average equity (ytd only) | -0.8743% | 4,598 |
| Net charge-offs to loans | -0.0254% | 4,087 |
| Credit loss provision to net charge-offs | -322.7273% | 3,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9259% | 2,438 |
| Assets per employee ($millions) | 13.3346% | 265 |
| Cash dividends to net income (ytd only)* | 109.8398% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 3,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 78.0394% | 445 |
| Net loans and leases to deposits | 103.3782% | 193 |
| Net loans and leases to core deposits | 137.0122% | 93 |
| Total domestic deposits to total assets | 75.4892% | 4,589 |
| Equity capital to assets | 8.6074% | 4,124 |
| Core capital (leverage) ratio | 8.6733% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8029% | 2,996 |
| Memoranda: | ||
| Average total assets | $228,592,333 | 2,886 |
| Average earning assets | $215,543,333 | 2,868 |
| Average equity | $19,673,333 | 3,276 |
| Average total loans | $173,527,333 | 2,485 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3713% | 3,283 |
| Cost of funding earning assets | 1.0040% | 133 |
| Net interest margin | 2.3673% | 4,451 |
| Noninterest income to average assets | 0.0575% | 4,832 |
| Noninterest expense to average assets | 1.5248% | 4,627 |
| Loan and lease loss provision to assets | 0.0714% | 1,732 |
| Net operating income to assets | 0.6866% | 3,740 |
| Return on assets (ROA) | 0.6866% | 3,808 |
| Pretax return on assets | 0.7005% | 4,017 |
| Return on Equity (ROE) | 7.9781% | 3,329 |
| Retained earnings to average equity (ytd only) | 6.3177% | 2,791 |
| Net charge-offs to loans | -0.0492% | 4,384 |
| Credit loss provision to net charge-offs | -195.2381% | 2,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3885% | 2,173 |
| Assets per employee ($millions) | 12.5697% | 304 |
| Cash dividends to net income (ytd only)* | 20.8122% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 3,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 74.9928% | 713 |
| Net loans and leases to deposits | 102.1400% | 241 |
| Net loans and leases to core deposits | 125.6908% | 186 |
| Total domestic deposits to total assets | 73.4216% | 4,693 |
| Equity capital to assets | 8.7998% | 3,875 |
| Core capital (leverage) ratio | 8.6056% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7957% | 2,740 |
| Memoranda: | ||
| Average total assets | $229,544,500 | 2,869 |
| Average earning assets | $217,127,500 | 2,837 |
| Average equity | $19,754,000 | 3,263 |
| Average total loans | $170,826,500 | 2,509 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 2,038 |
| Cost of funding earning assets | 1.2999% | 178 |
| Net interest margin | 2.9360% | 4,047 |
| Noninterest income to average assets | 0.0570% | 4,848 |
| Noninterest expense to average assets | 1.5574% | 4,737 |
| Loan and lease loss provision to assets | 0.5226% | 447 |
| Net operating income to assets | 0.7322% | 3,324 |
| Return on assets (ROA) | 0.7353% | 3,438 |
| Pretax return on assets | 0.7629% | 3,731 |
| Return on Equity (ROE) | 8.3356% | 2,676 |
| Retained earnings to average equity (ytd only) | 1.2260% | 4,132 |
| Net charge-offs to loans | 0.6642% | 226 |
| Credit loss provision to net charge-offs | 101.0499% | 2,805 |
| Earnings coverage of net charge-offs (x) | 2.4794% | 3,162 |
| Efficiency ratio | 54.8438% | 4,111 |
| Assets per employee ($millions) | 12.9352% | 269 |
| Cash dividends to net income (ytd only)* | 85.2923% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 3,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 72.1785% | 1,270 |
| Net loans and leases to deposits | 97.6735% | 474 |
| Net loans and leases to core deposits | 124.3588% | 264 |
| Total domestic deposits to total assets | 73.8977% | 4,638 |
| Equity capital to assets | 8.4172% | 4,504 |
| Core capital (leverage) ratio | 8.2454% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0154% | 2,917 |
| Memoranda: | ||
| Average total assets | $221,005,000 | 2,789 |
| Average earning assets | $209,471,400 | 2,749 |
| Average equity | $19,494,600 | 3,232 |
| Average total loans | $172,088,800 | 2,472 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 1,530 |
| Cost of funding earning assets | 1.3550% | 189 |
| Net interest margin | 3.1609% | 3,590 |
| Noninterest income to average assets | 0.0550% | 4,876 |
| Noninterest expense to average assets | 1.5770% | 4,749 |
| Loan and lease loss provision to assets | 0.6774% | 330 |
| Net operating income to assets | 0.7694% | 3,213 |
| Return on assets (ROA) | 0.7735% | 3,310 |
| Pretax return on assets | 0.8004% | 3,644 |
| Return on Equity (ROE) | 8.6632% | 2,540 |
| Retained earnings to average equity (ytd only) | -0.2739% | 4,524 |
| Net charge-offs to loans | 0.9261% | 144 |
| Credit loss provision to net charge-offs | 92.4103% | 2,687 |
| Earnings coverage of net charge-offs (x) | 2.0100% | 3,024 |
| Efficiency ratio | 51.6937% | 4,363 |
| Assets per employee ($millions) | 12.7744% | 277 |
| Cash dividends to net income (ytd only)* | 103.1621% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,698 |
| Loan loss allowance to noncurrent loans | 233.0357% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 2,853 |
| Noncurrent loans to loans | 0.4299% | 2,767 |
| Net loans and leases to total assets | 74.3913% | 1,326 |
| Net loans and leases to deposits | 99.6848% | 548 |
| Net loans and leases to core deposits | 125.0826% | 323 |
| Total domestic deposits to total assets | 74.6265% | 4,533 |
| Equity capital to assets | 7.9596% | 4,725 |
| Core capital (leverage) ratio | 8.1530% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0384% | 2,911 |
| Memoranda: | ||
| Average total assets | $218,047,750 | 2,793 |
| Average earning assets | $206,644,000 | 2,754 |
| Average equity | $19,468,750 | 3,238 |
| Average total loans | $172,614,500 | 2,460 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 686 |
| Cost of funding earning assets | 1.4332% | 199 |
| Net interest margin | 3.6691% | 2,271 |
| Noninterest income to average assets | 0.0553% | 4,902 |
| Noninterest expense to average assets | 1.6747% | 4,705 |
| Loan and lease loss provision to assets | 1.0123% | 203 |
| Net operating income to assets | 0.8228% | 2,966 |
| Return on assets (ROA) | 0.8293% | 3,059 |
| Pretax return on assets | 0.8521% | 3,449 |
| Return on Equity (ROE) | 8.9145% | 2,391 |
| Retained earnings to average equity (ytd only) | 1.0247% | 4,092 |
| Net charge-offs to loans | 0.7251% | 214 |
| Credit loss provision to net charge-offs | 172.9642% | 2,024 |
| Earnings coverage of net charge-offs (x) | 3.1743% | 2,703 |
| Efficiency ratio | 47.4096% | 4,662 |
| Assets per employee ($millions) | 12.3731% | 294 |
| Cash dividends to net income (ytd only)* | 88.5057% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 1,806 |
| Loan loss allowance to noncurrent loans | 165.9187% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 1,987 |
| Noncurrent loans to loans | 0.8098% | 1,875 |
| Net loans and leases to total assets | 73.8967% | 1,424 |
| Net loans and leases to deposits | 100.4185% | 526 |
| Net loans and leases to core deposits | 129.8854% | 258 |
| Total domestic deposits to total assets | 73.5887% | 4,619 |
| Equity capital to assets | 8.2769% | 4,599 |
| Core capital (leverage) ratio | 8.7593% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9742% | 2,623 |
| Memoranda: | ||
| Average total assets | $209,825,667 | 2,826 |
| Average earning assets | $198,852,333 | 2,789 |
| Average equity | $19,518,667 | 3,223 |
| Average total loans | $169,357,667 | 2,472 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8527% | 1,303 |
| Cost of funding earning assets | 1.5360% | 229 |
| Net interest margin | 3.3166% | 3,554 |
| Noninterest income to average assets | 0.0588% | 4,952 |
| Noninterest expense to average assets | 1.7242% | 4,747 |
| Loan and lease loss provision to assets | 0.5173% | 565 |
| Net operating income to assets | 0.9432% | 2,366 |
| Return on assets (ROA) | 0.9432% | 2,474 |
| Pretax return on assets | 0.9534% | 2,989 |
| Return on Equity (ROE) | 9.5146% | 1,906 |
| Retained earnings to average equity (ytd only) | 7.7753% | 1,296 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9683% | 4,398 |
| Assets per employee ($millions) | 10.4508% | 334 |
| Cash dividends to net income (ytd only)* | 18.2796% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,154 |
| Loan loss allowance to noncurrent loans | 85.4839% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2802% | 919 |
| Noncurrent loans to loans | 1.5211% | 1,052 |
| Net loans and leases to total assets | 83.0671% | 351 |
| Net loans and leases to deposits | 116.4852% | 112 |
| Net loans and leases to core deposits | 155.2215% | 94 |
| Total domestic deposits to total assets | 71.3113% | 4,802 |
| Equity capital to assets | 9.9408% | 3,845 |
| Core capital (leverage) ratio | 10.0436% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2884% | 3,011 |
| Memoranda: | ||
| Average total assets | $197,194,000 | 2,896 |
| Average earning assets | $186,454,500 | 2,858 |
| Average equity | $19,549,000 | 3,209 |
| Average total loans | $165,992,000 | 2,477 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 2,609 |
| Cost of funding earning assets | 1.4994% | 393 |
| Net interest margin | 3.1033% | 4,357 |
| Noninterest income to average assets | 0.0619% | 5,009 |
| Noninterest expense to average assets | 1.7541% | 4,822 |
| Loan and lease loss provision to assets | 0.0208% | 3,604 |
| Net operating income to assets | 1.1623% | 2,209 |
| Return on assets (ROA) | 1.1623% | 2,304 |
| Pretax return on assets | 1.2242% | 2,751 |
| Return on Equity (ROE) | 11.6274% | 1,646 |
| Retained earnings to average equity (ytd only) | 1.7376% | 4,107 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4879% | 3,915 |
| Assets per employee ($millions) | 10.3064% | 336 |
| Cash dividends to net income (ytd only)* | 85.0559% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,624 |
| 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 | 83.2133% | 398 |
| Net loans and leases to deposits | 115.1867% | 120 |
| Net loans and leases to core deposits | 152.8325% | 104 |
| Total domestic deposits to total assets | 72.2421% | 4,860 |
| Equity capital to assets | 9.8860% | 4,025 |
| Core capital (leverage) ratio | 10.0231% | 3,492 |
| Tier 1 risk-based capital ratio | 11.1121% | 4,817 |
| Total risk-based capital ratio | 12.2131% | 4,775 |
| Memoranda: | ||
| Average total assets | $192,289,800 | 2,902 |
| Average earning assets | $182,000,400 | 2,867 |
| Average equity | $19,221,800 | 3,204 |
| Average total loans | $157,015,000 | 2,546 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 2,647 |
| Cost of funding earning assets | 1.4708% | 451 |
| Net interest margin | 3.1528% | 4,396 |
| Noninterest income to average assets | 0.0620% | 5,088 |
| Noninterest expense to average assets | 1.7610% | 4,865 |
| Loan and lease loss provision to assets | 0.0070% | 3,743 |
| Net operating income to assets | 1.2114% | 2,155 |
| Return on assets (ROA) | 1.2114% | 2,229 |
| Pretax return on assets | 1.2775% | 2,733 |
| Return on Equity (ROE) | 12.0840% | 1,591 |
| Retained earnings to average equity (ytd only) | 1.3689% | 4,466 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8225% | 3,963 |
| Assets per employee ($millions) | 10.1244% | 339 |
| Cash dividends to net income (ytd only)* | 88.6717% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,395 |
| 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 | 79.3921% | 933 |
| Net loans and leases to deposits | 107.0082% | 289 |
| Net loans and leases to core deposits | 143.6212% | 150 |
| Total domestic deposits to total assets | 74.1925% | 4,805 |
| Equity capital to assets | 9.9926% | 4,027 |
| Core capital (leverage) ratio | 10.0665% | 3,568 |
| Tier 1 risk-based capital ratio | 11.6123% | 4,617 |
| Total risk-based capital ratio | 12.7529% | 4,565 |
| Memoranda: | ||
| Average total assets | $191,406,750 | 2,936 |
| Average earning assets | $181,127,000 | 2,893 |
| Average equity | $19,187,500 | 3,225 |
| Average total loans | $155,051,750 | 2,596 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 2,641 |
| Cost of funding earning assets | 1.4300% | 480 |
| Net interest margin | 3.1813% | 4,399 |
| Noninterest income to average assets | 0.0618% | 5,131 |
| Noninterest expense to average assets | 1.7908% | 4,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2193% | 2,072 |
| Return on assets (ROA) | 1.2193% | 2,130 |
| Pretax return on assets | 1.2863% | 2,609 |
| Return on Equity (ROE) | 12.1506% | 1,520 |
| Retained earnings to average equity (ytd only) | -0.2295% | 4,720 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1973% | 3,985 |
| Assets per employee ($millions) | 13.4714% | 147 |
| Cash dividends to net income (ytd only)* | 101.8884% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 2,317 |
| 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 | 79.4888% | 968 |
| Net loans and leases to deposits | 105.3144% | 368 |
| Net loans and leases to core deposits | 155.3974% | 107 |
| Total domestic deposits to total assets | 75.4776% | 4,728 |
| Equity capital to assets | 10.0759% | 3,911 |
| Core capital (leverage) ratio | 10.1642% | 3,424 |
| Tier 1 risk-based capital ratio | 11.6208% | 4,626 |
| Total risk-based capital ratio | 12.7692% | 4,570 |
| Memoranda: | ||
| Average total assets | $191,088,000 | 2,951 |
| Average earning assets | $181,123,670 | 2,907 |
| Average equity | $19,176,000 | 3,235 |
| Average total loans | $155,283,330 | 2,603 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 2,487 |
| Cost of funding earning assets | 1.4040% | 453 |
| Net interest margin | 3.2106% | 4,366 |
| Noninterest income to average assets | 0.0624% | 5,175 |
| Noninterest expense to average assets | 1.8239% | 4,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1938% | 2,082 |
| Return on assets (ROA) | 1.1938% | 2,133 |
| Pretax return on assets | 1.2728% | 2,560 |
| Return on Equity (ROE) | 11.9195% | 1,563 |
| Retained earnings to average equity (ytd only) | 9.8637% | 1,070 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8986% | 3,969 |
| Assets per employee ($millions) | 9.9367% | 347 |
| Cash dividends to net income (ytd only)* | 17.2474% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 2,652 |
| 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 | 82.8060% | 493 |
| Net loans and leases to deposits | 111.6797% | 182 |
| Net loans and leases to core deposits | 164.8783% | 76 |
| Total domestic deposits to total assets | 74.1459% | 4,920 |
| Equity capital to assets | 10.3285% | 3,500 |
| Core capital (leverage) ratio | 10.2037% | 3,379 |
| Tier 1 risk-based capital ratio | 11.7309% | 4,603 |
| Total risk-based capital ratio | 12.8607% | 4,564 |
| Memoranda: | ||
| Average total assets | $192,332,500 | 2,972 |
| Average earning assets | $181,772,000 | 2,932 |
| Average equity | $19,262,500 | 3,228 |
| Average total loans | $157,028,500 | 2,607 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5219% | 2,396 |
| Cost of funding earning assets | 1.2521% | 270 |
| Net interest margin | 3.2698% | 4,341 |
| Noninterest income to average assets | 0.1388% | 5,014 |
| Noninterest expense to average assets | 1.7798% | 5,019 |
| Loan and lease loss provision to assets | 0.1047% | 2,099 |
| Net operating income to assets | 1.2887% | 1,854 |
| Return on assets (ROA) | 1.2887% | 1,841 |
| Pretax return on assets | 1.3405% | 2,361 |
| Return on Equity (ROE) | 13.0826% | 1,309 |
| Retained earnings to average equity (ytd only) | 2.2859% | 4,241 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1875% | 4,495 |
| Assets per employee ($millions) | 10.3088% | 316 |
| Cash dividends to net income (ytd only)* | 82.5274% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 78.6069% | 1,165 |
| Net loans and leases to deposits | 105.1264% | 414 |
| Net loans and leases to core deposits | 153.8373% | 118 |
| Total domestic deposits to total assets | 74.7737% | 4,894 |
| Equity capital to assets | 9.7132% | 3,937 |
| Core capital (leverage) ratio | 9.8328% | 3,767 |
| Tier 1 risk-based capital ratio | 11.6514% | 4,644 |
| Total risk-based capital ratio | 12.8015% | 4,601 |
| Memoranda: | ||
| Average total assets | $190,974,600 | 2,952 |
| Average earning assets | $180,255,600 | 2,919 |
| Average equity | $18,811,200 | 3,201 |
| Average total loans | $157,877,600 | 2,548 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 2,447 |
| Cost of funding earning assets | 1.2141% | 237 |
| Net interest margin | 3.2421% | 4,426 |
| Noninterest income to average assets | 0.1651% | 4,961 |
| Noninterest expense to average assets | 1.7707% | 5,068 |
| Loan and lease loss provision to assets | 0.1405% | 1,419 |
| Net operating income to assets | 1.2613% | 1,993 |
| Return on assets (ROA) | 1.2613% | 1,999 |
| Pretax return on assets | 1.3105% | 2,579 |
| Return on Equity (ROE) | 12.7588% | 1,517 |
| Retained earnings to average equity (ytd only) | 1.1231% | 4,823 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9618% | 4,512 |
| Assets per employee ($millions) | 10.0845% | 324 |
| Cash dividends to net income (ytd only)* | 91.1978% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 82.4436% | 637 |
| Net loans and leases to deposits | 110.8992% | 266 |
| Net loans and leases to core deposits | 163.0162% | 80 |
| Total domestic deposits to total assets | 74.3410% | 4,948 |
| Equity capital to assets | 9.7873% | 3,831 |
| Core capital (leverage) ratio | 9.6289% | 4,019 |
| Tier 1 risk-based capital ratio | 11.2116% | 4,942 |
| Total risk-based capital ratio | 12.3343% | 4,892 |
| Memoranda: | ||
| Average total assets | $189,751,500 | 2,988 |
| Average earning assets | $178,892,750 | 2,956 |
| Average equity | $18,757,750 | 3,228 |
| Average total loans | $158,386,250 | 2,555 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 2,466 |
| Cost of funding earning assets | 1.1346% | 249 |
| Net interest margin | 3.2514% | 4,379 |
| Noninterest income to average assets | 0.0708% | 5,349 |
| Noninterest expense to average assets | 1.7511% | 5,147 |
| Loan and lease loss provision to assets | 0.0634% | 2,633 |
| Net operating income to assets | 1.2774% | 1,869 |
| Return on assets (ROA) | 1.2774% | 1,870 |
| Pretax return on assets | 1.3229% | 2,422 |
| Return on Equity (ROE) | 12.8789% | 1,409 |
| Retained earnings to average equity (ytd only) | -0.3092% | 4,996 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8140% | 4,500 |
| Assets per employee ($millions) | 10.0587% | 309 |
| Cash dividends to net income (ytd only)* | 102.4007% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 3,542 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 80.8204% | 881 |
| Net loans and leases to deposits | 108.7065% | 325 |
| Net loans and leases to core deposits | 158.1415% | 86 |
| Total domestic deposits to total assets | 74.3474% | 5,017 |
| Equity capital to assets | 9.7146% | 3,904 |
| Core capital (leverage) ratio | 9.9407% | 3,646 |
| Tier 1 risk-based capital ratio | 11.4266% | 4,825 |
| Total risk-based capital ratio | 12.4962% | 4,824 |
| Memoranda: | ||
| Average total assets | $189,133,670 | 3,012 |
| Average earning assets | $178,384,670 | 2,977 |
| Average equity | $18,759,330 | 3,247 |
| Average total loans | $157,900,330 | 2,571 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 2,391 |
| Cost of funding earning assets | 1.0584% | 278 |
| Net interest margin | 3.2789% | 4,237 |
| Noninterest income to average assets | 0.0680% | 5,430 |
| Noninterest expense to average assets | 1.7752% | 5,176 |
| Loan and lease loss provision to assets | 0.0638% | 2,496 |
| Net operating income to assets | 1.2884% | 1,681 |
| Return on assets (ROA) | 1.2884% | 1,685 |
| Pretax return on assets | 1.3245% | 2,273 |
| Return on Equity (ROE) | 12.8553% | 1,310 |
| Retained earnings to average equity (ytd only) | 11.0734% | 881 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1156% | 4,562 |
| Assets per employee ($millions) | 9.8267% | 344 |
| Cash dividends to net income (ytd only)* | 13.8614% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 3,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 84.1308% | 428 |
| Net loans and leases to deposits | 113.9939% | 179 |
| Net loans and leases to core deposits | 159.0190% | 91 |
| Total domestic deposits to total assets | 73.8029% | 5,173 |
| Equity capital to assets | 10.2390% | 3,350 |
| Core capital (leverage) ratio | 10.2035% | 3,299 |
| Tier 1 risk-based capital ratio | 11.8859% | 4,617 |
| Total risk-based capital ratio | 12.9479% | 4,630 |
| Memoranda: | ||
| Average total assets | $188,143,000 | 3,053 |
| Average earning assets | $177,618,500 | 3,017 |
| Average equity | $18,856,000 | 3,260 |
| Average total loans | $158,751,500 | 2,585 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 2,567 |
| Cost of funding earning assets | 0.9476% | 294 |
| Net interest margin | 3.2868% | 4,196 |
| Noninterest income to average assets | 0.0750% | 5,473 |
| Noninterest expense to average assets | 1.7906% | 5,247 |
| Loan and lease loss provision to assets | 0.0648% | 2,925 |
| Net operating income to assets | 1.2761% | 1,287 |
| Return on assets (ROA) | 1.2761% | 1,308 |
| Pretax return on assets | 1.3204% | 2,281 |
| Return on Equity (ROE) | 12.7646% | 1,006 |
| Retained earnings to average equity (ytd only) | 1.2203% | 4,536 |
| Net charge-offs to loans | -0.0227% | 4,989 |
| Credit loss provision to net charge-offs | -342.8571% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3828% | 4,725 |
| Assets per employee ($millions) | 9.9778% | 322 |
| Cash dividends to net income (ytd only)* | 90.4399% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 82.8356% | 582 |
| Net loans and leases to deposits | 107.9299% | 325 |
| Net loans and leases to core deposits | 158.6018% | 92 |
| Total domestic deposits to total assets | 76.7494% | 4,892 |
| Equity capital to assets | 9.8086% | 3,905 |
| Core capital (leverage) ratio | 9.7927% | 3,705 |
| Tier 1 risk-based capital ratio | 11.4231% | 4,904 |
| Total risk-based capital ratio | 12.4539% | 4,912 |
| Memoranda: | ||
| Average total assets | $185,249,200 | 3,065 |
| Average earning assets | $174,758,400 | 3,012 |
| Average equity | $18,520,000 | 3,294 |
| Average total loans | $154,241,000 | 2,607 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2147% | 2,559 |
| Cost of funding earning assets | 0.9239% | 305 |
| Net interest margin | 3.2908% | 4,198 |
| Noninterest income to average assets | 0.0731% | 5,549 |
| Noninterest expense to average assets | 1.7556% | 5,317 |
| Loan and lease loss provision to assets | 0.0652% | 2,770 |
| Net operating income to assets | 1.3125% | 1,291 |
| Return on assets (ROA) | 1.3125% | 1,327 |
| Pretax return on assets | 1.3545% | 2,263 |
| Return on Equity (ROE) | 13.0654% | 1,043 |
| Retained earnings to average equity (ytd only) | 0.7135% | 5,062 |
| Net charge-offs to loans | -0.0305% | 5,001 |
| Credit loss provision to net charge-offs | -257.1429% | 4,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2896% | 4,817 |
| Assets per employee ($millions) | 9.8499% | 329 |
| Cash dividends to net income (ytd only)* | 94.5397% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 78.5523% | 1,188 |
| Net loans and leases to deposits | 98.0622% | 908 |
| Net loans and leases to core deposits | 145.6977% | 149 |
| Total domestic deposits to total assets | 80.1045% | 4,292 |
| Equity capital to assets | 9.8687% | 4,063 |
| Core capital (leverage) ratio | 9.8387% | 3,771 |
| Tier 1 risk-based capital ratio | 12.2291% | 4,477 |
| Total risk-based capital ratio | 13.3203% | 4,457 |
| Memoranda: | ||
| Average total assets | $184,167,000 | 3,102 |
| Average earning assets | $173,611,500 | 3,056 |
| Average equity | $18,501,250 | 3,330 |
| Average total loans | $153,122,250 | 2,634 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1967% | 2,485 |
| Cost of funding earning assets | 0.8994% | 305 |
| Net interest margin | 3.2973% | 4,115 |
| Noninterest income to average assets | 0.0732% | 5,592 |
| Noninterest expense to average assets | 1.7437% | 5,376 |
| Loan and lease loss provision to assets | 0.0655% | 2,659 |
| Net operating income to assets | 1.3353% | 1,206 |
| Return on assets (ROA) | 1.3353% | 1,228 |
| Pretax return on assets | 1.3703% | 2,137 |
| Return on Equity (ROE) | 13.2131% | 977 |
| Retained earnings to average equity (ytd only) | -0.7455% | 5,195 |
| Net charge-offs to loans | -0.0453% | 5,134 |
| Credit loss provision to net charge-offs | -171.4286% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8420% | 4,939 |
| Assets per employee ($millions) | 9.7376% | 327 |
| Cash dividends to net income (ytd only)* | 105.6419% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,823 |
| 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 | 82.0204% | 664 |
| Net loans and leases to deposits | 101.2544% | 658 |
| Net loans and leases to core deposits | 154.8343% | 102 |
| Total domestic deposits to total assets | 81.0042% | 4,182 |
| Equity capital to assets | 9.8911% | 4,039 |
| Core capital (leverage) ratio | 9.8755% | 3,683 |
| Tier 1 risk-based capital ratio | 11.8107% | 4,752 |
| Total risk-based capital ratio | 12.8550% | 4,774 |
| Memoranda: | ||
| Average total assets | $183,173,330 | 3,119 |
| Average earning assets | $172,564,000 | 3,079 |
| Average equity | $18,512,000 | 3,333 |
| Average total loans | $154,610,670 | 2,633 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1536% | 2,458 |
| Cost of funding earning assets | 0.8615% | 355 |
| Net interest margin | 3.2921% | 4,037 |
| Noninterest income to average assets | 0.0658% | 5,687 |
| Noninterest expense to average assets | 1.8195% | 5,348 |
| Loan and lease loss provision to assets | 0.0658% | 2,485 |
| Net operating income to assets | 1.2773% | 1,300 |
| Return on assets (ROA) | 1.2773% | 1,333 |
| Pretax return on assets | 1.2839% | 2,285 |
| Return on Equity (ROE) | 12.5040% | 1,110 |
| Retained earnings to average equity (ytd only) | 10.6778% | 664 |
| Net charge-offs to loans | -0.0902% | 5,420 |
| Credit loss provision to net charge-offs | -85.7143% | 3,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4100% | 4,789 |
| Assets per employee ($millions) | 9.6072% | 343 |
| Cash dividends to net income (ytd only)* | 14.6048% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 4,122 |
| 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 | 83.8898% | 377 |
| Net loans and leases to deposits | 104.1758% | 394 |
| Net loans and leases to core deposits | 156.0026% | 90 |
| Total domestic deposits to total assets | 80.5271% | 4,517 |
| Equity capital to assets | 10.3360% | 3,368 |
| Core capital (leverage) ratio | 10.3152% | 3,092 |
| Tier 1 risk-based capital ratio | 12.1319% | 4,632 |
| Total risk-based capital ratio | 13.1530% | 4,681 |
| Memoranda: | ||
| Average total assets | $182,252,500 | 3,158 |
| Average earning assets | $171,803,000 | 3,110 |
| Average equity | $18,618,000 | 3,334 |
| Average total loans | $155,232,000 | 2,635 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 2,000 |
| Cost of funding earning assets | 0.8636% | 357 |
| Net interest margin | 3.4796% | 3,507 |
| Noninterest income to average assets | 0.0784% | 5,699 |
| Noninterest expense to average assets | 1.7992% | 5,472 |
| Loan and lease loss provision to assets | 0.0639% | 3,097 |
| Net operating income to assets | 1.4175% | 977 |
| Return on assets (ROA) | 1.4175% | 998 |
| Pretax return on assets | 1.4831% | 1,646 |
| Return on Equity (ROE) | 13.4768% | 884 |
| Retained earnings to average equity (ytd only) | 1.8558% | 4,476 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7674% | 5,261 |
| Assets per employee ($millions) | 9.5773% | 353 |
| Cash dividends to net income (ytd only)* | 86.2295% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 4,451 |
| 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 | 84.7529% | 320 |
| Net loans and leases to deposits | 103.8042% | 437 |
| Net loans and leases to core deposits | 155.6121% | 93 |
| Total domestic deposits to total assets | 81.6469% | 4,161 |
| Equity capital to assets | 10.0946% | 3,614 |
| Core capital (leverage) ratio | 10.4153% | 2,969 |
| Tier 1 risk-based capital ratio | 12.1156% | 4,649 |
| Total risk-based capital ratio | 13.1202% | 4,705 |
| Memoranda: | ||
| Average total assets | $172,136,600 | 3,260 |
| Average earning assets | $161,656,000 | 3,209 |
| Average equity | $18,105,200 | 3,389 |
| Average total loans | $152,187,600 | 2,615 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 1,972 |
| Cost of funding earning assets | 0.8645% | 354 |
| Net interest margin | 3.4971% | 3,478 |
| Noninterest income to average assets | 0.0794% | 5,766 |
| Noninterest expense to average assets | 1.7986% | 5,520 |
| Loan and lease loss provision to assets | 0.0629% | 2,979 |
| Net operating income to assets | 1.4419% | 984 |
| Return on assets (ROA) | 1.4419% | 1,036 |
| Pretax return on assets | 1.5048% | 1,698 |
| Return on Equity (ROE) | 13.5627% | 904 |
| Retained earnings to average equity (ytd only) | 0.0887% | 5,313 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4314% | 5,276 |
| Assets per employee ($millions) | 10.2322% | 281 |
| Cash dividends to net income (ytd only)* | 99.3460% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 4,471 |
| Loan loss allowance to noncurrent loans | 245.1560% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.3501% | 4,003 |
| Noncurrent loans to loans | 0.4034% | 3,830 |
| Net loans and leases to total assets | 85.9216% | 256 |
| Net loans and leases to deposits | 107.1868% | 333 |
| Net loans and leases to core deposits | 158.1533% | 97 |
| Total domestic deposits to total assets | 80.1606% | 4,480 |
| Equity capital to assets | 10.3738% | 3,717 |
| Core capital (leverage) ratio | 10.2739% | 3,251 |
| Tier 1 risk-based capital ratio | 12.1193% | 4,715 |
| Total risk-based capital ratio | 13.1220% | 4,768 |
| Memoranda: | ||
| Average total assets | $169,678,500 | 3,304 |
| Average earning assets | $159,479,000 | 3,262 |
| Average equity | $18,039,250 | 3,424 |
| Average total loans | $151,297,750 | 2,625 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3689% | 1,919 |
| Cost of funding earning assets | 0.8500% | 378 |
| Net interest margin | 3.5189% | 3,421 |
| Noninterest income to average assets | 0.0785% | 5,844 |
| Noninterest expense to average assets | 1.8127% | 5,579 |
| Loan and lease loss provision to assets | 0.0594% | 2,951 |
| Net operating income to assets | 1.4609% | 956 |
| Return on assets (ROA) | 1.4609% | 1,005 |
| Pretax return on assets | 1.5179% | 1,615 |
| Return on Equity (ROE) | 13.6273% | 900 |
| Retained earnings to average equity (ytd only) | -1.4747% | 5,490 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4712% | 5,353 |
| Assets per employee ($millions) | 9.9611% | 291 |
| Cash dividends to net income (ytd only)* | 110.8218% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 4,778 |
| Loan loss allowance to noncurrent loans | 243.4276% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 4,066 |
| Noncurrent loans to loans | 0.3886% | 3,966 |
| Net loans and leases to total assets | 90.4741% | 57 |
| Net loans and leases to deposits | 108.6096% | 287 |
| Net loans and leases to core deposits | 160.9734% | 87 |
| Total domestic deposits to total assets | 83.3021% | 3,543 |
| Equity capital to assets | 10.5705% | 3,560 |
| Core capital (leverage) ratio | 10.5589% | 2,899 |
| Tier 1 risk-based capital ratio | 11.6552% | 5,059 |
| Total risk-based capital ratio | 12.6078% | 5,140 |
| Memoranda: | ||
| Average total assets | $168,255,670 | 3,338 |
| Average earning assets | $158,345,330 | 3,292 |
| Average equity | $18,037,330 | 3,436 |
| Average total loans | $151,413,330 | 2,628 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,044 |
| Cost of funding earning assets | 0.8247% | 429 |
| Net interest margin | 3.5013% | 3,475 |
| Noninterest income to average assets | 0.0763% | 5,886 |
| Noninterest expense to average assets | 1.8651% | 5,574 |
| Loan and lease loss provision to assets | 0.0477% | 2,964 |
| Net operating income to assets | 1.4286% | 983 |
| Return on assets (ROA) | 1.4286% | 1,029 |
| Pretax return on assets | 1.4644% | 1,702 |
| Return on Equity (ROE) | 13.2332% | 986 |
| Retained earnings to average equity (ytd only) | 3.2255% | 3,887 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2260% | 5,264 |
| Assets per employee ($millions) | 9.4419% | 339 |
| Cash dividends to net income (ytd only)* | 75.6260% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 4,855 |
| Loan loss allowance to noncurrent loans | 2,171.2121% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 5,472 |
| Noncurrent loans to loans | 0.0437% | 5,318 |
| Net loans and leases to total assets | 88.0232% | 115 |
| Net loans and leases to deposits | 106.2599% | 332 |
| Net loans and leases to core deposits | 156.3012% | 94 |
| Total domestic deposits to total assets | 82.8377% | 3,955 |
| Equity capital to assets | 10.6964% | 3,262 |
| Core capital (leverage) ratio | 10.7557% | 2,668 |
| Tier 1 risk-based capital ratio | 12.2625% | 4,743 |
| Total risk-based capital ratio | 13.2291% | 4,844 |
| Memoranda: | ||
| Average total assets | $167,714,000 | 3,363 |
| Average earning assets | $158,111,500 | 3,305 |
| Average equity | $18,106,000 | 3,420 |
| Average total loans | $149,784,500 | 2,652 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 2,396 |
| Cost of funding earning assets | 0.8490% | 373 |
| Net interest margin | 3.3981% | 3,922 |
| Noninterest income to average assets | 0.1124% | 5,838 |
| Noninterest expense to average assets | 1.6869% | 5,853 |
| Loan and lease loss provision to assets | 0.0406% | 3,523 |
| Net operating income to assets | 1.4729% | 911 |
| Return on assets (ROA) | 1.4729% | 942 |
| Pretax return on assets | 1.5452% | 1,418 |
| Return on Equity (ROE) | 13.8382% | 874 |
| Retained earnings to average equity (ytd only) | 2.9260% | 3,975 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5434% | 5,663 |
| Assets per employee ($millions) | 9.1930% | 359 |
| Cash dividends to net income (ytd only)* | 78.8555% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 4,864 |
| 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 | 88.9106% | 95 |
| Net loans and leases to deposits | 105.8301% | 369 |
| Net loans and leases to core deposits | 149.1313% | 115 |
| Total domestic deposits to total assets | 84.0126% | 3,472 |
| Equity capital to assets | 10.8978% | 2,936 |
| Core capital (leverage) ratio | 10.7122% | 2,697 |
| Tier 1 risk-based capital ratio | 12.4251% | 4,686 |
| Total risk-based capital ratio | 13.3987% | 4,763 |
| Memoranda: | ||
| Average total assets | $167,293,400 | 3,350 |
| Average earning assets | $155,588,400 | 3,324 |
| Average equity | $17,805,800 | 3,409 |
| Average total loans | $144,189,000 | 2,684 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 2,397 |
| Cost of funding earning assets | 0.8588% | 362 |
| Net interest margin | 3.3924% | 3,994 |
| Noninterest income to average assets | 0.1232% | 5,855 |
| Noninterest expense to average assets | 1.6763% | 5,923 |
| Loan and lease loss provision to assets | 0.0318% | 3,603 |
| Net operating income to assets | 1.4839% | 943 |
| Return on assets (ROA) | 1.4839% | 978 |
| Pretax return on assets | 1.5547% | 1,522 |
| Return on Equity (ROE) | 14.0248% | 901 |
| Retained earnings to average equity (ytd only) | 2.7869% | 4,446 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3764% | 5,688 |
| Assets per employee ($millions) | 9.8983% | 283 |
| Cash dividends to net income (ytd only)* | 80.1287% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9639% | 4,919 |
| 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 | 84.5707% | 341 |
| Net loans and leases to deposits | 100.8468% | 618 |
| Net loans and leases to core deposits | 142.0183% | 155 |
| Total domestic deposits to total assets | 83.8606% | 3,483 |
| Equity capital to assets | 10.6275% | 3,436 |
| Core capital (leverage) ratio | 10.2093% | 3,364 |
| Tier 1 risk-based capital ratio | 12.5977% | 4,682 |
| Total risk-based capital ratio | 13.5734% | 4,775 |
| Memoranda: | ||
| Average total assets | $167,748,250 | 3,370 |
| Average earning assets | $155,247,000 | 3,351 |
| Average equity | $17,749,000 | 3,444 |
| Average total loans | $143,102,000 | 2,709 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 2,250 |
| Cost of funding earning assets | 0.8660% | 340 |
| Net interest margin | 3.4122% | 3,865 |
| Noninterest income to average assets | 0.1313% | 5,898 |
| Noninterest expense to average assets | 1.6793% | 5,987 |
| Loan and lease loss provision to assets | 0.0477% | 3,165 |
| Net operating income to assets | 1.4787% | 933 |
| Return on assets (ROA) | 1.4787% | 983 |
| Pretax return on assets | 1.5456% | 1,504 |
| Return on Equity (ROE) | 13.9966% | 903 |
| Retained earnings to average equity (ytd only) | 0.6891% | 5,287 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3129% | 5,769 |
| Assets per employee ($millions) | 10.4291% | 235 |
| Cash dividends to net income (ytd only)* | 95.0767% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 5,031 |
| 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 | 80.1935% | 774 |
| Net loans and leases to deposits | 94.5672% | 1,094 |
| Net loans and leases to core deposits | 131.0357% | 256 |
| Total domestic deposits to total assets | 84.8005% | 3,213 |
| Equity capital to assets | 9.9117% | 4,137 |
| Core capital (leverage) ratio | 10.3912% | 3,092 |
| Tier 1 risk-based capital ratio | 12.3928% | 4,881 |
| Total risk-based capital ratio | 13.3695% | 4,963 |
| Memoranda: | ||
| Average total assets | $167,574,000 | 3,393 |
| Average earning assets | $154,270,000 | 3,384 |
| Average equity | $17,704,330 | 3,469 |
| Average total loans | $142,905,000 | 2,718 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 2,210 |
| Cost of funding earning assets | 0.8988% | 291 |
| Net interest margin | 3.3663% | 3,964 |
| Noninterest income to average assets | 0.1745% | 5,667 |
| Noninterest expense to average assets | 1.7282% | 5,983 |
| Loan and lease loss provision to assets | 0.0246% | 3,383 |
| Net operating income to assets | 1.4774% | 886 |
| Return on assets (ROA) | 1.4774% | 944 |
| Pretax return on assets | 1.5340% | 1,445 |
| Return on Equity (ROE) | 13.5284% | 973 |
| Retained earnings to average equity (ytd only) | 11.6151% | 628 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5804% | 5,779 |
| Assets per employee ($millions) | 9.6416% | 287 |
| Cash dividends to net income (ytd only)* | 14.1431% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 5,295 |
| 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 | 87.1288% | 136 |
| Net loans and leases to deposits | 104.4834% | 353 |
| Net loans and leases to core deposits | 143.9163% | 132 |
| Total domestic deposits to total assets | 83.3901% | 4,050 |
| Equity capital to assets | 10.9989% | 2,970 |
| Core capital (leverage) ratio | 10.9292% | 2,488 |
| Tier 1 risk-based capital ratio | 12.7901% | 4,732 |
| Total risk-based capital ratio | 13.7514% | 4,813 |
| Memoranda: | ||
| Average total assets | $162,713,500 | 3,474 |
| Average earning assets | $150,430,500 | 3,459 |
| Average equity | $17,770,000 | 3,487 |
| Average total loans | $142,575,500 | 2,725 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3368% | 2,472 |
| Cost of funding earning assets | 0.9130% | 361 |
| Net interest margin | 3.4239% | 4,091 |
| Noninterest income to average assets | 0.0807% | 6,220 |
| Noninterest expense to average assets | 1.7729% | 6,098 |
| Loan and lease loss provision to assets | 0.0683% | 3,120 |
| Net operating income to assets | 1.3053% | 1,295 |
| Return on assets (ROA) | 1.3053% | 1,343 |
| Pretax return on assets | 1.3717% | 1,995 |
| Return on Equity (ROE) | 12.2018% | 1,352 |
| Retained earnings to average equity (ytd only) | 2.7399% | 4,291 |
| Net charge-offs to loans | 0.0411% | 4,000 |
| Credit loss provision to net charge-offs | 196.4286% | 1,257 |
| Earnings coverage of net charge-offs (x) | 41.4107% | 1,054 |
| Efficiency ratio | 55.1797% | 5,750 |
| Assets per employee ($millions) | 9.5011% | 291 |
| Cash dividends to net income (ytd only)* | 77.5452% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 5,276 |
| 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 | 86.4542% | 179 |
| Net loans and leases to deposits | 105.0106% | 400 |
| Net loans and leases to core deposits | 141.4162% | 155 |
| Total domestic deposits to total assets | 82.3290% | 4,302 |
| Equity capital to assets | 10.8421% | 3,068 |
| Core capital (leverage) ratio | 10.7444% | 2,675 |
| Tier 1 risk-based capital ratio | 12.9463% | 4,751 |
| Total risk-based capital ratio | 13.9407% | 4,840 |
| Memoranda: | ||
| Average total assets | $161,038,400 | 3,476 |
| Average earning assets | $147,319,000 | 3,491 |
| Average equity | $17,227,000 | 3,497 |
| Average total loans | $136,122,600 | 2,762 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 2,380 |
| Cost of funding earning assets | 0.9134% | 385 |
| Net interest margin | 3.4484% | 4,026 |
| Noninterest income to average assets | 0.0804% | 6,303 |
| Noninterest expense to average assets | 1.8220% | 6,062 |
| Loan and lease loss provision to assets | 0.0497% | 3,387 |
| Net operating income to assets | 1.2776% | 1,446 |
| Return on assets (ROA) | 1.2776% | 1,500 |
| Pretax return on assets | 1.3431% | 2,227 |
| Return on Equity (ROE) | 11.9840% | 1,487 |
| Retained earnings to average equity (ytd only) | 1.8108% | 5,145 |
| Net charge-offs to loans | 0.0613% | 3,329 |
| Credit loss provision to net charge-offs | 96.7742% | 2,307 |
| Earnings coverage of net charge-offs (x) | 27.1144% | 1,464 |
| Efficiency ratio | 56.6753% | 5,593 |
| Assets per employee ($millions) | 9.5158% | 277 |
| Cash dividends to net income (ytd only)* | 84.8897% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 5,476 |
| Loan loss allowance to noncurrent loans | 213.0579% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 4,801 |
| Noncurrent loans to loans | 0.4401% | 4,582 |
| Net loans and leases to total assets | 84.1829% | 329 |
| Net loans and leases to deposits | 101.9800% | 503 |
| Net loans and leases to core deposits | 136.0817% | 178 |
| Total domestic deposits to total assets | 82.5485% | 4,284 |
| Equity capital to assets | 10.6776% | 3,333 |
| Core capital (leverage) ratio | 10.5857% | 2,943 |
| Tier 1 risk-based capital ratio | 13.1380% | 4,773 |
| Total risk-based capital ratio | 14.1184% | 4,860 |
| Memoranda: | ||
| Average total assets | $160,918,250 | 3,509 |
| Average earning assets | $146,266,250 | 3,531 |
| Average equity | $17,155,750 | 3,522 |
| Average total loans | $134,907,000 | 2,790 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 2,877 |
| Cost of funding earning assets | 0.8981% | 437 |
| Net interest margin | 3.3236% | 4,492 |
| Noninterest income to average assets | 0.0772% | 6,357 |
| Noninterest expense to average assets | 1.8253% | 6,110 |
| Loan and lease loss provision to assets | 0.0747% | 2,782 |
| Net operating income to assets | 1.1517% | 1,752 |
| Return on assets (ROA) | 1.1517% | 1,827 |
| Pretax return on assets | 1.2090% | 2,636 |
| Return on Equity (ROE) | 10.8082% | 1,804 |
| Retained earnings to average equity (ytd only) | -1.1918% | 5,883 |
| Net charge-offs to loans | 0.0925% | 2,761 |
| Credit loss provision to net charge-offs | 96.7742% | 2,063 |
| Earnings coverage of net charge-offs (x) | 16.6290% | 1,780 |
| Efficiency ratio | 58.7105% | 5,469 |
| Assets per employee ($millions) | 9.4251% | 286 |
| Cash dividends to net income (ytd only)* | 111.0270% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 5,550 |
| Loan loss allowance to noncurrent loans | 213.0579% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 4,887 |
| Noncurrent loans to loans | 0.4476% | 4,642 |
| Net loans and leases to total assets | 83.5482% | 334 |
| Net loans and leases to deposits | 102.3002% | 430 |
| Net loans and leases to core deposits | 136.9543% | 160 |
| Total domestic deposits to total assets | 81.6696% | 4,761 |
| Equity capital to assets | 10.5713% | 3,351 |
| Core capital (leverage) ratio | 10.5955% | 2,829 |
| Tier 1 risk-based capital ratio | 13.2083% | 4,783 |
| Total risk-based capital ratio | 14.2134% | 4,870 |
| Memoranda: | ||
| Average total assets | $160,635,000 | 3,526 |
| Average earning assets | $146,528,000 | 3,549 |
| Average equity | $17,116,670 | 3,531 |
| Average total loans | $134,052,670 | 2,809 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0824% | 3,356 |
| Cost of funding earning assets | 0.8630% | 550 |
| Net interest margin | 3.2194% | 4,866 |
| Noninterest income to average assets | 0.0771% | 6,404 |
| Noninterest expense to average assets | 1.8379% | 6,164 |
| Loan and lease loss provision to assets | 0.0746% | 2,644 |
| Net operating income to assets | 1.0744% | 1,917 |
| Return on assets (ROA) | 1.0744% | 1,986 |
| Pretax return on assets | 1.1241% | 2,796 |
| Return on Equity (ROE) | 10.0430% | 2,023 |
| Retained earnings to average equity (ytd only) | 7.7182% | 1,717 |
| Net charge-offs to loans | 0.2007% | 1,536 |
| Credit loss provision to net charge-offs | 44.7761% | 2,258 |
| Earnings coverage of net charge-offs (x) | 7.1940% | 2,145 |
| Efficiency ratio | 60.5242% | 5,331 |
| Assets per employee ($millions) | 9.3758% | 300 |
| Cash dividends to net income (ytd only)* | 23.1481% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 5,798 |
| Loan loss allowance to noncurrent loans | 207.2727% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 5,022 |
| Noncurrent loans to loans | 0.4443% | 4,813 |
| Net loans and leases to total assets | 84.6370% | 207 |
| Net loans and leases to deposits | 102.3039% | 358 |
| Net loans and leases to core deposits | 134.9506% | 153 |
| Total domestic deposits to total assets | 82.7309% | 4,699 |
| Equity capital to assets | 10.8991% | 2,826 |
| Core capital (leverage) ratio | 10.8806% | 2,509 |
| Tier 1 risk-based capital ratio | 13.2804% | 4,835 |
| Total risk-based capital ratio | 14.2391% | 4,942 |
| Memoranda: | ||
| Average total assets | $160,839,500 | 3,550 |
| Average earning assets | $147,854,000 | 3,546 |
| Average equity | $17,206,000 | 3,520 |
| Average total loans | $133,501,500 | 2,830 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2436% | 3,177 |
| Cost of funding earning assets | 0.9407% | 604 |
| Net interest margin | 3.3029% | 4,655 |
| Noninterest income to average assets | 0.1095% | 6,355 |
| Noninterest expense to average assets | 1.5827% | 6,521 |
| Loan and lease loss provision to assets | 0.0933% | 3,249 |
| Net operating income to assets | 1.3887% | 1,044 |
| Return on assets (ROA) | 1.3887% | 1,082 |
| Pretax return on assets | 1.4577% | 1,595 |
| Return on Equity (ROE) | 13.2018% | 1,133 |
| Retained earnings to average equity (ytd only) | 2.3648% | 4,558 |
| Net charge-offs to loans | 0.0642% | 4,310 |
| Credit loss provision to net charge-offs | 180.7229% | 1,269 |
| Earnings coverage of net charge-offs (x) | 30.0482% | 1,189 |
| Efficiency ratio | 50.5061% | 6,381 |
| Assets per employee ($millions) | 9.5465% | 267 |
| Cash dividends to net income (ytd only)* | 82.0869% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 5,632 |
| Loan loss allowance to noncurrent loans | 192.6866% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 5,017 |
| Noncurrent loans to loans | 0.5120% | 4,713 |
| Net loans and leases to total assets | 79.8299% | 611 |
| Net loans and leases to deposits | 95.1205% | 789 |
| Net loans and leases to core deposits | 125.1217% | 245 |
| Total domestic deposits to total assets | 83.9251% | 4,195 |
| Equity capital to assets | 10.4997% | 3,160 |
| Core capital (leverage) ratio | 10.5708% | 2,818 |
| Tier 1 risk-based capital ratio | 13.1376% | 4,896 |
| Total risk-based capital ratio | 14.1329% | 5,006 |
| Memoranda: | ||
| Average total assets | $160,798,200 | 3,553 |
| Average earning assets | $147,233,800 | 3,551 |
| Average equity | $16,914,400 | 3,573 |
| Average total loans | $129,363,200 | 2,875 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 2,960 |
| Cost of funding earning assets | 0.9569% | 615 |
| Net interest margin | 3.3491% | 4,471 |
| Noninterest income to average assets | 0.0864% | 6,520 |
| Noninterest expense to average assets | 1.5359% | 6,614 |
| Loan and lease loss provision to assets | 0.0665% | 3,725 |
| Net operating income to assets | 1.4769% | 935 |
| Return on assets (ROA) | 1.4769% | 983 |
| Pretax return on assets | 1.5500% | 1,467 |
| Return on Equity (ROE) | 14.0335% | 991 |
| Retained earnings to average equity (ytd only) | 3.0878% | 4,470 |
| Net charge-offs to loans | 0.0868% | 3,708 |
| Credit loss provision to net charge-offs | 95.2381% | 2,502 |
| Earnings coverage of net charge-offs (x) | 23.1542% | 1,471 |
| Efficiency ratio | 48.7213% | 6,469 |
| Assets per employee ($millions) | 9.4764% | 270 |
| Cash dividends to net income (ytd only)* | 77.9966% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 5,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 5,988 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 80.1681% | 528 |
| Net loans and leases to deposits | 95.9909% | 686 |
| Net loans and leases to core deposits | 125.2935% | 246 |
| Total domestic deposits to total assets | 83.5163% | 4,368 |
| Equity capital to assets | 10.5718% | 3,195 |
| Core capital (leverage) ratio | 10.6068% | 2,885 |
| Tier 1 risk-based capital ratio | 12.9335% | 5,166 |
| Total risk-based capital ratio | 13.8608% | 5,329 |
| Memoranda: | ||
| Average total assets | $160,425,250 | 3,589 |
| Average earning assets | $146,863,250 | 3,592 |
| Average equity | $16,883,000 | 3,618 |
| Average total loans | $128,992,250 | 2,900 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3726% | 2,672 |
| Cost of funding earning assets | 0.9758% | 613 |
| Net interest margin | 3.3968% | 4,197 |
| Noninterest income to average assets | 0.0836% | 6,573 |
| Noninterest expense to average assets | 1.4919% | 6,680 |
| Loan and lease loss provision to assets | 0.0624% | 3,763 |
| Net operating income to assets | 1.5531% | 811 |
| Return on assets (ROA) | 1.5531% | 883 |
| Pretax return on assets | 1.6280% | 1,283 |
| Return on Equity (ROE) | 14.7799% | 848 |
| Retained earnings to average equity (ytd only) | 1.7584% | 5,136 |
| Net charge-offs to loans | 0.1291% | 3,085 |
| Credit loss provision to net charge-offs | 60.2410% | 3,013 |
| Earnings coverage of net charge-offs (x) | 16.3133% | 1,675 |
| Efficiency ratio | 46.8811% | 6,594 |
| Assets per employee ($millions) | 9.4068% | 259 |
| Cash dividends to net income (ytd only)* | 88.1029% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 6,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 4,447 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 79.1064% | 624 |
| Net loans and leases to deposits | 94.6886% | 764 |
| Net loans and leases to core deposits | 123.6009% | 261 |
| Total domestic deposits to total assets | 83.5438% | 4,496 |
| Equity capital to assets | 10.4981% | 3,311 |
| Core capital (leverage) ratio | 10.9288% | 2,428 |
| Tier 1 risk-based capital ratio | 12.7584% | 5,317 |
| Total risk-based capital ratio | 13.6635% | 5,503 |
| Memoranda: | ||
| Average total assets | $160,200,670 | 3,607 |
| Average earning assets | $146,137,670 | 3,627 |
| Average equity | $16,833,670 | 3,646 |
| Average total loans | $128,533,000 | 2,909 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6274% | 1,753 |
| Cost of funding earning assets | 0.9886% | 653 |
| Net interest margin | 3.6387% | 3,114 |
| Noninterest income to average assets | 0.0798% | 6,644 |
| Noninterest expense to average assets | 1.4294% | 6,790 |
| Loan and lease loss provision to assets | 0.1247% | 2,673 |
| Net operating income to assets | 1.7512% | 518 |
| Return on assets (ROA) | 1.7512% | 578 |
| Pretax return on assets | 1.8311% | 839 |
| Return on Equity (ROE) | 16.6583% | 539 |
| Retained earnings to average equity (ytd only) | 10.2750% | 1,038 |
| Net charge-offs to loans | 0.2606% | 1,916 |
| Credit loss provision to net charge-offs | 59.5238% | 2,461 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,846 |
| Efficiency ratio | 42.2255% | 6,832 |
| Assets per employee ($millions) | 9.3250% | 280 |
| Cash dividends to net income (ytd only)* | 38.3191% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 6,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7153% | 4,587 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 79.8442% | 436 |
| Net loans and leases to deposits | 96.2752% | 527 |
| Net loans and leases to core deposits | 123.8677% | 233 |
| Total domestic deposits to total assets | 82.9333% | 4,875 |
| Equity capital to assets | 10.7699% | 3,234 |
| Core capital (leverage) ratio | 11.0215% | 2,245 |
| Tier 1 risk-based capital ratio | 13.0014% | 5,213 |
| Total risk-based capital ratio | 13.9083% | 5,422 |
| Memoranda: | ||
| Average total assets | $160,343,500 | 3,639 |
| Average earning assets | $145,655,000 | 3,668 |
| Average equity | $16,856,500 | 3,689 |
| Average total loans | $128,952,500 | 2,906 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 1,972 |
| Cost of funding earning assets | 1.5117% | 156 |
| Net interest margin | 3.3513% | 5,065 |
| Noninterest income to average assets | 0.0895% | 6,545 |
| Noninterest expense to average assets | 2.0876% | 6,153 |
| Loan and lease loss provision to assets | 0.0767% | 4,755 |
| Net operating income to assets | 0.9248% | 2,677 |
| Return on assets (ROA) | 1.0099% | 2,510 |
| Pretax return on assets | 1.0604% | 3,318 |
| Return on Equity (ROE) | 9.5460% | 2,387 |
| Retained earnings to average equity (ytd only) | 0.7315% | 5,502 |
| Net charge-offs to loans | 0.1407% | 4,288 |
| Credit loss provision to net charge-offs | 67.0391% | 4,252 |
| Earnings coverage of net charge-offs (x) | 9.1508% | 2,300 |
| Efficiency ratio | 66.5851% | 4,397 |
| Assets per employee ($millions) | 9.5389% | 281 |
| Cash dividends to net income (ytd only)* | 92.3369% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 6,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8374% | 4,385 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 79.4989% | 517 |
| Net loans and leases to deposits | 95.6627% | 642 |
| Net loans and leases to core deposits | 118.0905% | 315 |
| Total domestic deposits to total assets | 83.1033% | 4,675 |
| Equity capital to assets | 10.2613% | 3,807 |
| Core capital (leverage) ratio | 10.6813% | 2,565 |
| Tier 1 risk-based capital ratio | 12.1604% | 5,680 |
| Total risk-based capital ratio | 13.0549% | 5,871 |
| Memoranda: | ||
| Average total assets | $156,352,400 | 3,676 |
| Average earning assets | $142,095,800 | 3,693 |
| Average equity | $16,541,000 | 3,694 |
| Average total loans | $127,253,600 | 2,929 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9501% | 1,832 |
| Cost of funding earning assets | 1.6396% | 107 |
| Net interest margin | 3.3104% | 5,353 |
| Noninterest income to average assets | 0.0895% | 6,658 |
| Noninterest expense to average assets | 1.8868% | 6,542 |
| Loan and lease loss provision to assets | 0.1033% | 4,286 |
| Net operating income to assets | 1.0627% | 2,242 |
| Return on assets (ROA) | 1.1061% | 2,255 |
| Pretax return on assets | 1.1603% | 3,128 |
| Return on Equity (ROE) | 10.3734% | 2,185 |
| Retained earnings to average equity (ytd only) | 0.6781% | 5,879 |
| Net charge-offs to loans | 0.2034% | 3,514 |
| Credit loss provision to net charge-offs | 62.1762% | 4,097 |
| Earnings coverage of net charge-offs (x) | 7.3315% | 2,617 |
| Efficiency ratio | 60.7707% | 5,359 |
| Assets per employee ($millions) | 8.4199% | 413 |
| Cash dividends to net income (ytd only)* | 93.4629% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 6,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2389% | 3,817 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 78.2276% | 708 |
| Net loans and leases to deposits | 94.4000% | 759 |
| Net loans and leases to core deposits | 117.6271% | 354 |
| Total domestic deposits to total assets | 82.8683% | 4,687 |
| Equity capital to assets | 10.3783% | 3,974 |
| Core capital (leverage) ratio | 10.6729% | 2,729 |
| Tier 1 risk-based capital ratio | 12.1058% | 5,884 |
| Total risk-based capital ratio | 12.9881% | 6,071 |
| Memoranda: | ||
| Average total assets | $154,900,000 | 3,736 |
| Average earning assets | $141,085,500 | 3,752 |
| Average equity | $16,516,250 | 3,735 |
| Average total loans | $126,531,750 | 2,979 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0521% | 1,658 |
| Cost of funding earning assets | 1.7161% | 98 |
| Net interest margin | 3.3360% | 5,324 |
| Noninterest income to average assets | 0.0914% | 6,709 |
| Noninterest expense to average assets | 1.8576% | 6,671 |
| Loan and lease loss provision to assets | 0.1567% | 3,557 |
| Net operating income to assets | 1.0574% | 2,215 |
| Return on assets (ROA) | 1.0574% | 2,445 |
| Pretax return on assets | 1.1070% | 3,281 |
| Return on Equity (ROE) | 9.8257% | 2,430 |
| Retained earnings to average equity (ytd only) | -1.5284% | 6,294 |
| Net charge-offs to loans | 0.3081% | 2,796 |
| Credit loss provision to net charge-offs | 61.5385% | 3,756 |
| Earnings coverage of net charge-offs (x) | 4.9641% | 2,947 |
| Efficiency ratio | 59.5148% | 5,654 |
| Assets per employee ($millions) | 8.4190% | 388 |
| Cash dividends to net income (ytd only)* | 115.5556% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 6,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3099% | 3,808 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 80.6766% | 436 |
| Net loans and leases to deposits | 100.8388% | 388 |
| Net loans and leases to core deposits | 133.6412% | 186 |
| Total domestic deposits to total assets | 80.0055% | 5,739 |
| Equity capital to assets | 10.8175% | 3,323 |
| Core capital (leverage) ratio | 11.2365% | 2,098 |
| Tier 1 risk-based capital ratio | 12.2772% | 5,743 |
| Total risk-based capital ratio | 13.1819% | 5,941 |
| Memoranda: | ||
| Average total assets | $153,207,330 | 3,786 |
| Average earning assets | $139,149,330 | 3,799 |
| Average equity | $16,487,330 | 3,731 |
| Average total loans | $126,590,000 | 2,991 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2659% | 1,180 |
| Cost of funding earning assets | 1.7438% | 106 |
| Net interest margin | 3.5221% | 4,592 |
| Noninterest income to average assets | 0.0831% | 6,811 |
| Noninterest expense to average assets | 1.8151% | 6,779 |
| Loan and lease loss provision to assets | 0.3116% | 2,014 |
| Net operating income to assets | 1.0932% | 2,121 |
| Return on assets (ROA) | 1.0932% | 2,311 |
| Pretax return on assets | 1.1400% | 3,161 |
| Return on Equity (ROE) | 10.1848% | 2,331 |
| Retained earnings to average equity (ytd only) | 0.7499% | 5,760 |
| Net charge-offs to loans | 0.6087% | 1,574 |
| Credit loss provision to net charge-offs | 61.5385% | 3,084 |
| Earnings coverage of net charge-offs (x) | 2.8667% | 3,031 |
| Efficiency ratio | 55.5644% | 6,171 |
| Assets per employee ($millions) | 9.5803% | 275 |
| Cash dividends to net income (ytd only)* | 92.6366% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 6,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2917% | 3,981 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 80.9158% | 339 |
| Net loans and leases to deposits | 100.9047% | 342 |
| Net loans and leases to core deposits | 120.1804% | 309 |
| Total domestic deposits to total assets | 80.1904% | 5,813 |
| Equity capital to assets | 10.7970% | 3,154 |
| Core capital (leverage) ratio | 11.3206% | 2,017 |
| Tier 1 risk-based capital ratio | 11.7256% | 6,143 |
| Total risk-based capital ratio | 12.5815% | 6,354 |
| Memoranda: | ||
| Average total assets | $154,040,000 | 3,802 |
| Average earning assets | $139,236,000 | 3,830 |
| Average equity | $16,534,500 | 3,727 |
| Average total loans | $128,151,500 | 2,978 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2587% | 1,837 |
| Cost of funding earning assets | 2.1825% | 57 |
| Net interest margin | 3.0763% | 6,394 |
| Noninterest income to average assets | 0.0924% | 6,677 |
| Noninterest expense to average assets | 1.8036% | 6,948 |
| Loan and lease loss provision to assets | 0.0513% | 5,948 |
| Net operating income to assets | 0.9974% | 2,208 |
| Return on assets (ROA) | 1.0461% | 2,165 |
| Pretax return on assets | 1.1013% | 2,831 |
| Return on Equity (ROE) | 9.8260% | 2,118 |
| Retained earnings to average equity (ytd only) | -0.2892% | 5,902 |
| Net charge-offs to loans | 0.1447% | 4,984 |
| Credit loss provision to net charge-offs | 41.8848% | 5,597 |
| Earnings coverage of net charge-offs (x) | 8.9895% | 2,054 |
| Efficiency ratio | 62.0888% | 5,445 |
| Assets per employee ($millions) | 8.5998% | 378 |
| Cash dividends to net income (ytd only)* | 102.9430% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 6,308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2733% | 4,097 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 83.8400% | 214 |
| Net loans and leases to deposits | 104.8625% | 280 |
| Net loans and leases to core deposits | 138.9593% | 175 |
| Total domestic deposits to total assets | 79.9523% | 5,753 |
| Equity capital to assets | 10.6715% | 3,345 |
| Core capital (leverage) ratio | 11.1137% | 2,182 |
| Tier 1 risk-based capital ratio | 11.3813% | 6,239 |
| Total risk-based capital ratio | 12.2652% | 6,429 |
| Memoranda: | ||
| Average total assets | $155,912,800 | 3,705 |
| Average earning assets | $142,543,600 | 3,702 |
| Average equity | $16,598,800 | 3,635 |
| Average total loans | $132,011,000 | 2,953 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2961% | 1,878 |
| Cost of funding earning assets | 2.2796% | 51 |
| Net interest margin | 3.0165% | 6,551 |
| Noninterest income to average assets | 0.0990% | 6,754 |
| Noninterest expense to average assets | 1.8131% | 6,980 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9987% | 2,330 |
| Return on assets (ROA) | 1.0636% | 2,235 |
| Pretax return on assets | 1.1148% | 2,947 |
| Return on Equity (ROE) | 9.9965% | 2,199 |
| Retained earnings to average equity (ytd only) | 1.3077% | 5,486 |
| Net charge-offs to loans | 0.0252% | 5,788 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 49.0438% | 655 |
| Efficiency ratio | 63.4030% | 5,162 |
| Assets per employee ($millions) | 9.4778% | 293 |
| Cash dividends to net income (ytd only)* | 86.9180% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 6,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2964% | 4,215 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 85.2326% | 153 |
| Net loans and leases to deposits | 107.5085% | 220 |
| Net loans and leases to core deposits | 145.3532% | 155 |
| Total domestic deposits to total assets | 79.2799% | 5,926 |
| Equity capital to assets | 11.0323% | 3,111 |
| Core capital (leverage) ratio | 11.6175% | 1,946 |
| Tier 1 risk-based capital ratio | 11.5940% | 6,176 |
| Total risk-based capital ratio | 12.5427% | 6,362 |
| Memoranda: | ||
| Average total assets | $156,192,000 | 3,724 |
| Average earning assets | $142,944,000 | 3,719 |
| Average equity | $16,618,750 | 3,641 |
| Average total loans | $132,247,750 | 2,972 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3251% | 1,804 |
| Cost of funding earning assets | 2.4115% | 44 |
| Net interest margin | 2.9136% | 6,765 |
| Noninterest income to average assets | 0.0888% | 6,886 |
| Noninterest expense to average assets | 1.8084% | 7,074 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8903% | 2,684 |
| Return on assets (ROA) | 0.9866% | 2,381 |
| Pretax return on assets | 1.0386% | 3,079 |
| Return on Equity (ROE) | 9.3839% | 2,348 |
| Retained earnings to average equity (ytd only) | 1.0614% | 5,439 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8661% | 4,900 |
| Assets per employee ($millions) | 9.9814% | 245 |
| Cash dividends to net income (ytd only)* | 88.6889% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 6,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3038% | 4,295 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 87.6457% | 87 |
| Net loans and leases to deposits | 109.5752% | 185 |
| Net loans and leases to core deposits | 164.3546% | 112 |
| Total domestic deposits to total assets | 79.9868% | 5,825 |
| Equity capital to assets | 11.1240% | 2,840 |
| Core capital (leverage) ratio | 10.9268% | 2,319 |
| Tier 1 risk-based capital ratio | 12.5082% | 5,340 |
| Total risk-based capital ratio | 13.5551% | 5,497 |
| Memoranda: | ||
| Average total assets | $157,707,670 | 3,718 |
| Average earning assets | $143,808,330 | 3,725 |
| Average equity | $16,581,670 | 3,639 |
| Average total loans | $132,790,330 | 2,986 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1955% | 2,237 |
| Cost of funding earning assets | 2.4542% | 43 |
| Net interest margin | 2.7413% | 6,976 |
| Noninterest income to average assets | 0.0792% | 6,999 |
| Noninterest expense to average assets | 1.7860% | 7,159 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7570% | 3,235 |
| Return on assets (ROA) | 0.7570% | 3,298 |
| Pretax return on assets | 0.7965% | 3,908 |
| Return on Equity (ROE) | 7.3980% | 3,201 |
| Retained earnings to average equity (ytd only) | -0.2418% | 5,835 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1571% | 4,444 |
| Assets per employee ($millions) | 9.9372% | 246 |
| Cash dividends to net income (ytd only)* | 103.2680% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 6,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1881% | 4,574 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 82.4240% | 311 |
| Net loans and leases to deposits | 101.7137% | 390 |
| Net loans and leases to core deposits | 162.1144% | 124 |
| Total domestic deposits to total assets | 81.0353% | 5,645 |
| Equity capital to assets | 10.4135% | 3,270 |
| Core capital (leverage) ratio | 10.6557% | 2,467 |
| Tier 1 risk-based capital ratio | 11.7948% | 5,856 |
| Total risk-based capital ratio | 12.7879% | 6,054 |
| Memoranda: | ||
| Average total assets | $161,701,000 | 3,676 |
| Average earning assets | $147,665,500 | 3,681 |
| Average equity | $16,545,000 | 3,629 |
| Average total loans | $132,876,500 | 3,023 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 3,499 |
| Cost of funding earning assets | 2.7177% | 56 |
| Net interest margin | 2.5048% | 7,267 |
| Noninterest income to average assets | 0.0790% | 6,991 |
| Noninterest expense to average assets | 1.7238% | 7,332 |
| Loan and lease loss provision to assets | 0.6129% | 2,684 |
| Net operating income to assets | 0.0495% | 5,697 |
| Return on assets (ROA) | 0.2173% | 5,375 |
| Pretax return on assets | 0.2251% | 5,429 |
| Return on Equity (ROE) | 2.1718% | 5,323 |
| Retained earnings to average equity (ytd only) | -2.6145% | 6,057 |
| Net charge-offs to loans | 0.8478% | 2,516 |
| Credit loss provision to net charge-offs | 91.1032% | 5,079 |
| Earnings coverage of net charge-offs (x) | 0.9884% | 5,120 |
| Efficiency ratio | 72.1624% | 3,762 |
| Assets per employee ($millions) | 10.2754% | 235 |
| Cash dividends to net income (ytd only)* | 220.3857% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 6,171 |
| Loan loss allowance to noncurrent loans | 431.5789% | 720 |
| Noncurrent assets plus other real estate owned to assets | 1.2086% | 4,609 |
| Noncurrent loans to loans | 0.2423% | 6,576 |
| Net loans and leases to total assets | 80.2369% | 638 |
| Net loans and leases to deposits | 99.9364% | 585 |
| Net loans and leases to core deposits | 184.1334% | 97 |
| Total domestic deposits to total assets | 80.2879% | 5,756 |
| Equity capital to assets | 10.0561% | 3,679 |
| Core capital (leverage) ratio | 10.3644% | 2,704 |
| Tier 1 risk-based capital ratio | 11.6869% | 5,737 |
| Total risk-based capital ratio | 12.6702% | 5,973 |
| Memoranda: | ||
| Average total assets | $167,068,400 | 3,590 |
| Average earning assets | $154,064,600 | 3,573 |
| Average equity | $16,714,200 | 3,645 |
| Average total loans | $132,581,600 | 3,075 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2231% | 3,718 |
| Cost of funding earning assets | 2.7385% | 60 |
| Net interest margin | 2.4846% | 7,392 |
| Noninterest income to average assets | 0.0803% | 7,132 |
| Noninterest expense to average assets | 1.8728% | 7,243 |
| Loan and lease loss provision to assets | 0.3728% | 3,660 |
| Net operating income to assets | 0.1250% | 5,705 |
| Return on assets (ROA) | 0.2099% | 5,645 |
| Pretax return on assets | 0.2162% | 5,694 |
| Return on Equity (ROE) | 2.1002% | 5,574 |
| Retained earnings to average equity (ytd only) | -3.3015% | 6,387 |
| Net charge-offs to loans | 0.5367% | 3,154 |
| Credit loss provision to net charge-offs | 87.9925% | 4,854 |
| Earnings coverage of net charge-offs (x) | 1.1839% | 4,882 |
| Efficiency ratio | 78.8751% | 2,506 |
| Assets per employee ($millions) | 10.3689% | 240 |
| Cash dividends to net income (ytd only)* | 257.1976% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 5,914 |
| Loan loss allowance to noncurrent loans | 99.6516% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 4,854 |
| Noncurrent loans to loans | 1.1095% | 5,026 |
| Net loans and leases to total assets | 77.0967% | 1,205 |
| Net loans and leases to deposits | 98.0258% | 791 |
| Net loans and leases to core deposits | 177.5694% | 109 |
| Total domestic deposits to total assets | 78.6494% | 6,103 |
| Equity capital to assets | 10.0336% | 4,119 |
| Core capital (leverage) ratio | 10.1990% | 3,045 |
| Tier 1 risk-based capital ratio | 11.9244% | 5,532 |
| Total risk-based capital ratio | 12.9523% | 5,702 |
| Memoranda: | ||
| Average total assets | $167,733,750 | 3,625 |
| Average earning assets | $154,871,500 | 3,599 |
| Average equity | $16,759,500 | 3,689 |
| Average total loans | $132,399,750 | 3,135 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2697% | 3,605 |
| Cost of funding earning assets | 2.7416% | 77 |
| Net interest margin | 2.5281% | 7,399 |
| Noninterest income to average assets | 0.0844% | 7,160 |
| Noninterest expense to average assets | 1.8973% | 7,266 |
| Loan and lease loss provision to assets | 0.5216% | 2,702 |
| Net operating income to assets | 0.0014% | 6,081 |
| Return on assets (ROA) | 0.0725% | 6,043 |
| Pretax return on assets | 0.0760% | 6,025 |
| Return on Equity (ROE) | 0.7263% | 6,020 |
| Retained earnings to average equity (ytd only) | -6.1081% | 6,663 |
| Net charge-offs to loans | 0.6491% | 2,599 |
| Credit loss provision to net charge-offs | 101.3857% | 4,024 |
| Earnings coverage of net charge-offs (x) | 1.0162% | 4,773 |
| Efficiency ratio | 78.3996% | 2,657 |
| Assets per employee ($millions) | 10.5898% | 215 |
| Cash dividends to net income (ytd only)* | 940.9836% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 5,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 6,418 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 76.4778% | 1,397 |
| Net loans and leases to deposits | 96.8338% | 977 |
| Net loans and leases to core deposits | 192.3451% | 105 |
| Total domestic deposits to total assets | 78.9785% | 6,046 |
| Equity capital to assets | 9.7447% | 4,344 |
| Core capital (leverage) ratio | 10.2031% | 2,940 |
| Tier 1 risk-based capital ratio | 11.5570% | 5,712 |
| Total risk-based capital ratio | 12.6083% | 5,886 |
| Memoranda: | ||
| Average total assets | $168,344,330 | 3,631 |
| Average earning assets | $155,529,330 | 3,608 |
| Average equity | $16,797,330 | 3,667 |
| Average total loans | $133,421,330 | 3,142 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5689% | 2,284 |
| Cost of funding earning assets | 2.7512% | 103 |
| Net interest margin | 2.8177% | 7,156 |
| Noninterest income to average assets | 0.0667% | 7,384 |
| Noninterest expense to average assets | 1.9476% | 7,256 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7220% | 3,345 |
| Return on assets (ROA) | 0.8677% | 2,766 |
| Pretax return on assets | 0.8939% | 3,494 |
| Return on Equity (ROE) | 8.5948% | 2,628 |
| Retained earnings to average equity (ytd only) | -1.8654% | 6,190 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3649% | 3,862 |
| Assets per employee ($millions) | 10.3099% | 244 |
| Cash dividends to net income (ytd only)* | 121.7033% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 5,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5553% | 6,118 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 80.6352% | 752 |
| Net loans and leases to deposits | 103.0645% | 585 |
| Net loans and leases to core deposits | 207.7321% | 96 |
| Total domestic deposits to total assets | 78.2376% | 6,257 |
| Equity capital to assets | 10.2595% | 3,522 |
| Core capital (leverage) ratio | 10.4483% | 2,672 |
| Tier 1 risk-based capital ratio | 12.1383% | 5,045 |
| Total risk-based capital ratio | 13.2098% | 5,199 |
| Memoranda: | ||
| Average total assets | $167,798,500 | 3,699 |
| Average earning assets | $156,296,500 | 3,643 |
| Average equity | $16,940,500 | 3,669 |
| Average total loans | $134,591,500 | 3,171 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5707% | 3,755 |
| Cost of funding earning assets | 3.0513% | 200 |
| Net interest margin | 2.5194% | 7,410 |
| Noninterest income to average assets | 0.0727% | 7,392 |
| Noninterest expense to average assets | 2.0716% | 7,243 |
| Loan and lease loss provision to assets | 0.1741% | 5,954 |
| Net operating income to assets | 0.1671% | 5,005 |
| Return on assets (ROA) | 0.5130% | 3,773 |
| Pretax return on assets | 0.5332% | 4,100 |
| Return on Equity (ROE) | 5.5469% | 3,401 |
| Retained earnings to average equity (ytd only) | 4.0875% | 2,354 |
| Net charge-offs to loans | 0.3127% | 4,677 |
| Credit loss provision to net charge-offs | 70.1970% | 6,490 |
| Earnings coverage of net charge-offs (x) | 1.3990% | 4,731 |
| Efficiency ratio | 85.6566% | 2,151 |
| Assets per employee ($millions) | 10.6649% | 227 |
| Cash dividends to net income (ytd only)* | 26.3095% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 5,852 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9752% | 5,161 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 78.0483% | 1,370 |
| Net loans and leases to deposits | 99.8523% | 920 |
| Net loans and leases to core deposits | 134.9328% | 1,005 |
| Total domestic deposits to total assets | 78.1637% | 6,180 |
| Equity capital to assets | 9.9374% | 3,852 |
| Core capital (leverage) ratio | 10.2368% | 2,839 |
| Tier 1 risk-based capital ratio | 11.3213% | 5,600 |
| Total risk-based capital ratio | 12.3167% | 5,820 |
| Memoranda: | ||
| Average total assets | $163,741,200 | 3,702 |
| Average earning assets | $152,457,400 | 3,668 |
| Average equity | $15,143,600 | 4,034 |
| Average total loans | $129,848,800 | 3,273 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5213% | 4,315 |
| Cost of funding earning assets | 3.0915% | 252 |
| Net interest margin | 2.4298% | 7,539 |
| Noninterest income to average assets | 0.0732% | 7,542 |
| Noninterest expense to average assets | 1.9504% | 7,466 |
| Loan and lease loss provision to assets | 0.0864% | 6,502 |
| Net operating income to assets | 0.2927% | 4,814 |
| Return on assets (ROA) | 0.4979% | 4,089 |
| Pretax return on assets | 0.5110% | 4,488 |
| Return on Equity (ROE) | 5.4911% | 3,744 |
| Retained earnings to average equity (ytd only) | 4.1841% | 2,940 |
| Net charge-offs to loans | 0.4208% | 3,582 |
| Credit loss provision to net charge-offs | 25.8621% | 6,529 |
| Earnings coverage of net charge-offs (x) | 1.1552% | 4,908 |
| Efficiency ratio | 83.4801% | 2,357 |
| Assets per employee ($millions) | 9.9196% | 277 |
| Cash dividends to net income (ytd only)* | 23.8021% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 6,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5578% | 4,027 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 78.6716% | 1,451 |
| Net loans and leases to deposits | 100.2622% | 1,080 |
| Net loans and leases to core deposits | 134.3191% | 1,190 |
| Total domestic deposits to total assets | 78.4658% | 5,961 |
| Equity capital to assets | 9.4566% | 4,804 |
| Core capital (leverage) ratio | 9.6748% | 3,681 |
| Tier 1 risk-based capital ratio | 10.3155% | 6,661 |
| Total risk-based capital ratio | 11.1825% | 6,992 |
| Memoranda: | ||
| Average total assets | $162,017,000 | 3,760 |
| Average earning assets | $150,902,750 | 3,707 |
| Average equity | $14,690,250 | 4,149 |
| Average total loans | $128,642,500 | 3,327 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4299% | 4,993 |
| Cost of funding earning assets | 3.1383% | 311 |
| Net interest margin | 2.2916% | 7,686 |
| Noninterest income to average assets | 0.0726% | 7,622 |
| Noninterest expense to average assets | 1.8609% | 7,671 |
| Loan and lease loss provision to assets | 0.0250% | 6,986 |
| Net operating income to assets | 0.3204% | 4,810 |
| Return on assets (ROA) | 0.5569% | 3,965 |
| Pretax return on assets | 0.5569% | 4,447 |
| Return on Equity (ROE) | 6.2363% | 3,540 |
| Retained earnings to average equity (ytd only) | 4.2182% | 2,955 |
| Net charge-offs to loans | 0.1261% | 4,904 |
| Credit loss provision to net charge-offs | 25.0000% | 6,074 |
| Earnings coverage of net charge-offs (x) | 3.4500% | 3,434 |
| Efficiency ratio | 84.3449% | 2,438 |
| Assets per employee ($millions) | 9.4407% | 306 |
| Cash dividends to net income (ytd only)* | 32.3596% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 4,802 |
| Loan loss allowance to noncurrent loans | 118.1611% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 1.8917% | 3,348 |
| Noncurrent loans to loans | 1.0342% | 5,149 |
| Net loans and leases to total assets | 78.3198% | 1,675 |
| Net loans and leases to deposits | 100.8505% | 1,191 |
| Net loans and leases to core deposits | 135.9004% | 1,214 |
| Total domestic deposits to total assets | 77.6593% | 6,166 |
| Equity capital to assets | 9.5500% | 4,548 |
| Core capital (leverage) ratio | 9.8083% | 3,511 |
| Tier 1 risk-based capital ratio | 10.6156% | 6,269 |
| Total risk-based capital ratio | 11.6817% | 6,390 |
| Memoranda: | ||
| Average total assets | $159,811,330 | 3,826 |
| Average earning assets | $148,806,670 | 3,767 |
| Average equity | $14,271,330 | 4,250 |
| Average total loans | $126,863,000 | 3,406 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4778% | 5,027 |
| Cost of funding earning assets | 3.1599% | 386 |
| Net interest margin | 2.3180% | 7,698 |
| Noninterest income to average assets | 0.1154% | 7,449 |
| Noninterest expense to average assets | 1.8837% | 7,576 |
| Loan and lease loss provision to assets | 0.0502% | 6,343 |
| Net operating income to assets | 0.3361% | 5,135 |
| Return on assets (ROA) | 0.3361% | 5,318 |
| Pretax return on assets | 0.3361% | 5,573 |
| Return on Equity (ROE) | 3.9000% | 4,979 |
| Retained earnings to average equity (ytd only) | 1.9209% | 4,783 |
| Net charge-offs to loans | -0.0032% | 7,136 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9834% | 2,410 |
| Assets per employee ($millions) | 10.4002% | 239 |
| Cash dividends to net income (ytd only)* | 50.7463% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 4,229 |
| Loan loss allowance to noncurrent loans | 123.8456% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 2.1568% | 2,662 |
| Noncurrent loans to loans | 1.0303% | 4,928 |
| Net loans and leases to total assets | 76.0671% | 2,253 |
| Net loans and leases to deposits | 97.0340% | 1,797 |
| Net loans and leases to core deposits | 132.2309% | 1,520 |
| Total domestic deposits to total assets | 78.3922% | 5,891 |
| Equity capital to assets | 9.1639% | 5,129 |
| Core capital (leverage) ratio | 9.8920% | 3,526 |
| Tier 1 risk-based capital ratio | 9.9020% | 7,038 |
| Total risk-based capital ratio | 10.9644% | 7,150 |
| Memoranda: | ||
| Average total assets | $159,471,000 | 3,845 |
| Average earning assets | $148,233,500 | 3,789 |
| Average equity | $13,743,500 | 4,393 |
| Average total loans | $126,668,500 | 3,432 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2950% | 3,985 |
| Cost of funding earning assets | 3.4711% | 567 |
| Net interest margin | 2.8239% | 7,289 |
| Noninterest income to average assets | 0.7345% | 2,875 |
| Noninterest expense to average assets | 1.8490% | 7,693 |
| Loan and lease loss provision to assets | 0.7458% | 1,995 |
| Net operating income to assets | 0.7451% | 3,694 |
| Return on assets (ROA) | 0.7451% | 3,534 |
| Pretax return on assets | 0.7986% | 4,080 |
| Return on Equity (ROE) | 8.5941% | 2,794 |
| Retained earnings to average equity (ytd only) | -0.9576% | 5,581 |
| Net charge-offs to loans | 0.5932% | 2,051 |
| Credit loss provision to net charge-offs | 144.0217% | 3,668 |
| Earnings coverage of net charge-offs (x) | 2.9823% | 4,597 |
| Efficiency ratio | 54.4889% | 7,215 |
| Assets per employee ($millions) | 9.5337% | 296 |
| Cash dividends to net income (ytd only)* | 111.1426% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 3,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5196% | 3,176 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 80.9681% | 1,445 |
| Net loans and leases to deposits | 103.4960% | 1,397 |
| Net loans and leases to core deposits | 133.6348% | 1,617 |
| Total domestic deposits to total assets | 78.2331% | 5,633 |
| Equity capital to assets | 8.0229% | 6,814 |
| Core capital (leverage) ratio | 8.7358% | 5,139 |
| Tier 1 risk-based capital ratio | 8.7059% | 7,945 |
| Total risk-based capital ratio | 9.8592% | 8,029 |
| Memoranda: | ||
| Average total assets | $142,128,600 | 4,042 |
| Average earning assets | $133,820,000 | 3,975 |
| Average equity | $12,322,400 | 4,752 |
| Average total loans | $124,071,800 | 3,378 |