Home > FreedomBank > Performance and Condition Ratios
FreedomBank, 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 | 4.3472% | 3,358 |
| Cost of funding earning assets | 1.3259% | 2,437 |
| Net interest margin | 3.0213% | 3,233 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.2065% | 3,110 |
| Loan and lease loss provision to assets | -0.9300% | 4,594 |
| Net operating income to assets | 1.7173% | 711 |
| Return on assets (ROA) | 1.7296% | 663 |
| Pretax return on assets | 1.8139% | 872 |
| Return on Equity (ROE) | 19.1400% | 693 |
| Retained earnings to average equity (ytd only) | 2.4413% | 3,464 |
| Net charge-offs to loans | -0.7895% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.3265% | 1,832 |
| Assets per employee ($millions) | 7.5563% | 1,695 |
| Cash dividends to net income (ytd only)* | 87.2483% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 2,973 |
| Loan loss allowance to noncurrent loans | 204.3083% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 1,313 |
| Noncurrent loans to loans | 0.5245% | 1,479 |
| Net loans and leases to total assets | 72.1700% | 1,558 |
| Net loans and leases to deposits | 85.9626% | 1,617 |
| Net loans and leases to core deposits | 89.8426% | 2,062 |
| Total domestic deposits to total assets | 83.9600% | 2,630 |
| Equity capital to assets | 9.1110% | 2,600 |
| Core capital (leverage) ratio | 9.8830% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2723% | 1,772 |
| Memoranda: | ||
| Average total assets | $430,729,600 | 1,916 |
| Average earning assets | $395,660,000 | 1,923 |
| Average equity | $38,914,000 | 1,917 |
| Average total loans | $304,513,400 | 1,775 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 3,324 |
| Cost of funding earning assets | 1.1867% | 2,468 |
| Net interest margin | 3.0969% | 3,147 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.2584% | 2,922 |
| Loan and lease loss provision to assets | -1.2400% | 4,622 |
| Net operating income to assets | 2.0034% | 497 |
| Return on assets (ROA) | 2.0167% | 480 |
| Pretax return on assets | 2.1154% | 637 |
| Return on Equity (ROE) | 22.3700% | 535 |
| Retained earnings to average equity (ytd only) | 15.5023% | 507 |
| Net charge-offs to loans | -1.0730% | 4,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.9172% | 1,689 |
| Assets per employee ($millions) | 7.0523% | 1,924 |
| Cash dividends to net income (ytd only)* | 30.6984% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 2,837 |
| Loan loss allowance to noncurrent loans | 109.4839% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.7733% | 720 |
| Noncurrent loans to loans | 1.0103% | 796 |
| Net loans and leases to total assets | 71.7100% | 1,613 |
| Net loans and leases to deposits | 84.1632% | 1,726 |
| Net loans and leases to core deposits | 87.7338% | 2,070 |
| Total domestic deposits to total assets | 85.2000% | 2,444 |
| Equity capital to assets | 9.1748% | 2,309 |
| Core capital (leverage) ratio | 10.6969% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2104% | 1,267 |
| Memoranda: | ||
| Average total assets | $430,734,250 | 1,915 |
| Average earning assets | $395,478,000 | 1,921 |
| Average equity | $38,832,000 | 1,910 |
| Average total loans | $302,085,500 | 1,786 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 3,406 |
| Cost of funding earning assets | 0.9881% | 2,644 |
| Net interest margin | 3.1584% | 3,085 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.2554% | 2,935 |
| Loan and lease loss provision to assets | -1.8500% | 4,651 |
| Net operating income to assets | 2.6438% | 211 |
| Return on assets (ROA) | 2.6566% | 204 |
| Pretax return on assets | 2.7863% | 251 |
| Return on Equity (ROE) | 29.6400% | 215 |
| Retained earnings to average equity (ytd only) | 19.3381% | 271 |
| Net charge-offs to loans | -1.6153% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.3892% | 1,822 |
| Assets per employee ($millions) | 6.9283% | 1,985 |
| Cash dividends to net income (ytd only)* | 34.7524% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 2,815 |
| Loan loss allowance to noncurrent loans | 207.7206% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 1,289 |
| Noncurrent loans to loans | 0.5420% | 1,374 |
| Net loans and leases to total assets | 68.2100% | 1,943 |
| Net loans and leases to deposits | 80.3305% | 1,947 |
| Net loans and leases to core deposits | 83.3205% | 2,249 |
| Total domestic deposits to total assets | 84.9100% | 2,569 |
| Equity capital to assets | 9.3151% | 2,302 |
| Core capital (leverage) ratio | 10.2393% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7040% | 1,381 |
| Memoranda: | ||
| Average total assets | $433,266,000 | 1,909 |
| Average earning assets | $397,546,667 | 1,917 |
| Average equity | $38,835,333 | 1,913 |
| Average total loans | $300,505,667 | 1,782 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 3,436 |
| Cost of funding earning assets | 0.7679% | 2,847 |
| Net interest margin | 3.2416% | 3,013 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.4195% | 2,471 |
| Loan and lease loss provision to assets | -1.0200% | 4,667 |
| Net operating income to assets | 1.7769% | 704 |
| Return on assets (ROA) | 1.7857% | 685 |
| Pretax return on assets | 1.8719% | 949 |
| Return on Equity (ROE) | 20.3300% | 721 |
| Retained earnings to average equity (ytd only) | 20.3251% | 357 |
| Net charge-offs to loans | 0.7928% | 96 |
| Credit loss provision to net charge-offs | -184.8739% | 4,604 |
| Earnings coverage of net charge-offs (x) | 1.5294% | 1,964 |
| Efficiency ratio | 72.5930% | 1,483 |
| Assets per employee ($millions) | 7.0131% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 3,038 |
| Loan loss allowance to noncurrent loans | 147.7396% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.1860% | 310 |
| Noncurrent loans to loans | 0.7464% | 1,025 |
| Net loans and leases to total assets | 67.4000% | 1,911 |
| Net loans and leases to deposits | 79.0823% | 1,889 |
| Net loans and leases to core deposits | 81.4750% | 2,150 |
| Total domestic deposits to total assets | 85.2300% | 2,797 |
| Equity capital to assets | 9.0984% | 2,440 |
| Core capital (leverage) ratio | 10.1877% | 2,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7693% | 1,695 |
| Memoranda: | ||
| Average total assets | $431,657,000 | 1,938 |
| Average earning assets | $394,867,500 | 1,951 |
| Average equity | $37,923,500 | 1,966 |
| Average total loans | $300,199,000 | 1,792 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7805% | 2,328 |
| Cost of funding earning assets | 0.3568% | 2,426 |
| Net interest margin | 3.4237% | 2,174 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.0840% | 3,343 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.2574% | 1,574 |
| Return on assets (ROA) | 1.2557% | 1,531 |
| Pretax return on assets | 1.3208% | 2,015 |
| Return on Equity (ROE) | 13.0900% | 1,780 |
| Retained earnings to average equity (ytd only) | -0.8183% | 4,439 |
| Net charge-offs to loans | 0.8202% | 81 |
| Credit loss provision to net charge-offs | 5.4755% | 1,967 |
| Earnings coverage of net charge-offs (x) | 2.5035% | 2,504 |
| Efficiency ratio | 58.7782% | 3,221 |
| Assets per employee ($millions) | 6.4925% | 2,341 |
| Cash dividends to net income (ytd only)* | 106.2511% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 915 |
| Loan loss allowance to noncurrent loans | 78.3425% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.5197% | 206 |
| Noncurrent loans to loans | 2.0835% | 260 |
| Net loans and leases to total assets | 69.8000% | 1,657 |
| Net loans and leases to deposits | 80.0233% | 1,769 |
| Net loans and leases to core deposits | 81.3032% | 2,050 |
| Total domestic deposits to total assets | 87.2200% | 2,320 |
| Equity capital to assets | 8.4681% | 2,727 |
| Core capital (leverage) ratio | 9.3412% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2722% | 1,865 |
| Memoranda: | ||
| Average total assets | $449,715,400 | 1,854 |
| Average earning assets | $415,369,600 | 1,861 |
| Average equity | $43,140,000 | 1,814 |
| Average total loans | $296,145,200 | 1,738 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5921% | 2,370 |
| Cost of funding earning assets | 0.3334% | 1,827 |
| Net interest margin | 3.2587% | 2,431 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.1461% | 3,083 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.0559% | 2,268 |
| Return on assets (ROA) | 1.0522% | 2,243 |
| Pretax return on assets | 1.1070% | 2,698 |
| Return on Equity (ROE) | 10.6700% | 2,514 |
| Retained earnings to average equity (ytd only) | 10.6745% | 1,145 |
| Net charge-offs to loans | 1.0941% | 45 |
| Credit loss provision to net charge-offs | 4.4739% | 1,672 |
| Earnings coverage of net charge-offs (x) | 1.6152% | 2,271 |
| Efficiency ratio | 63.2362% | 2,655 |
| Assets per employee ($millions) | 6.6593% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 914 |
| Loan loss allowance to noncurrent loans | 65.5592% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.7597% | 164 |
| Noncurrent loans to loans | 2.5555% | 205 |
| Net loans and leases to total assets | 66.1400% | 1,875 |
| Net loans and leases to deposits | 76.4867% | 1,836 |
| Net loans and leases to core deposits | 77.3853% | 2,088 |
| Total domestic deposits to total assets | 86.4700% | 2,934 |
| Equity capital to assets | 9.1970% | 2,086 |
| Core capital (leverage) ratio | 9.9266% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1542% | 1,662 |
| Memoranda: | ||
| Average total assets | $455,018,500 | 1,849 |
| Average earning assets | $421,097,000 | 1,854 |
| Average equity | $44,853,500 | 1,779 |
| Average total loans | $294,167,000 | 1,741 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3688% | 2,520 |
| Cost of funding earning assets | 0.3342% | 1,404 |
| Net interest margin | 3.0346% | 2,785 |
| Noninterest income to average assets | 0.2699% | 3,554 |
| Noninterest expense to average assets | 1.9822% | 3,479 |
| Loan and lease loss provision to assets | 0.0339% | 1,972 |
| Net operating income to assets | 1.0157% | 2,098 |
| Return on assets (ROA) | 1.0074% | 2,100 |
| Pretax return on assets | 1.0587% | 2,547 |
| Return on Equity (ROE) | 10.0063% | 2,333 |
| Retained earnings to average equity (ytd only) | 10.0063% | 1,019 |
| Net charge-offs to loans | 1.6494% | 35 |
| Credit loss provision to net charge-offs | 3.2205% | 1,654 |
| Earnings coverage of net charge-offs (x) | 1.0462% | 2,081 |
| Efficiency ratio | 62.0578% | 3,040 |
| Assets per employee ($millions) | 6.8342% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 1,039 |
| Loan loss allowance to noncurrent loans | 64.0641% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.7150% | 189 |
| Noncurrent loans to loans | 2.5871% | 215 |
| Net loans and leases to total assets | 63.6906% | 1,945 |
| Net loans and leases to deposits | 73.4889% | 1,918 |
| Net loans and leases to core deposits | 74.4307% | 2,135 |
| Total domestic deposits to total assets | 86.6670% | 3,050 |
| Equity capital to assets | 9.2384% | 2,205 |
| Core capital (leverage) ratio | 9.5077% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2795% | 1,945 |
| Memoranda: | ||
| Average total assets | $460,187,333 | 1,844 |
| Average earning assets | $426,679,667 | 1,854 |
| Average equity | $46,330,667 | 1,785 |
| Average total loans | $293,678,000 | 1,734 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3660% | 2,191 |
| Cost of funding earning assets | 0.3422% | 1,272 |
| Net interest margin | 3.0238% | 2,428 |
| Noninterest income to average assets | 0.2757% | 3,490 |
| Noninterest expense to average assets | 1.8095% | 3,920 |
| Loan and lease loss provision to assets | 0.0364% | 1,705 |
| Net operating income to assets | 1.1731% | 1,317 |
| Return on assets (ROA) | 1.1731% | 1,316 |
| Pretax return on assets | 1.2338% | 1,696 |
| Return on Equity (ROE) | 11.1945% | 1,549 |
| Retained earnings to average equity (ytd only) | 11.1945% | 746 |
| Net charge-offs to loans | 3.3630% | 17 |
| Credit loss provision to net charge-offs | 1.7094% | 1,333 |
| Earnings coverage of net charge-offs (x) | 0.5963% | 1,768 |
| Efficiency ratio | 56.4471% | 3,834 |
| Assets per employee ($millions) | 7.2188% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 1,161 |
| Loan loss allowance to noncurrent loans | 53.5841% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.9963% | 144 |
| Noncurrent loans to loans | 3.0751% | 168 |
| Net loans and leases to total assets | 62.5825% | 1,789 |
| Net loans and leases to deposits | 72.7326% | 1,721 |
| Net loans and leases to core deposits | 73.8285% | 1,954 |
| Total domestic deposits to total assets | 86.0446% | 3,247 |
| Equity capital to assets | 9.9258% | 1,953 |
| Core capital (leverage) ratio | 9.1461% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5789% | 1,960 |
| Memoranda: | ||
| Average total assets | $461,334,500 | 1,855 |
| Average earning assets | $427,805,500 | 1,862 |
| Average equity | $48,345,000 | 1,776 |
| Average total loans | $292,242,000 | 1,728 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7956% | 1,881 |
| Cost of funding earning assets | 0.4863% | 985 |
| Net interest margin | 3.3093% | 2,293 |
| Noninterest income to average assets | 0.3229% | 3,474 |
| Noninterest expense to average assets | 1.6903% | 4,308 |
| Loan and lease loss provision to assets | 0.8191% | 51 |
| Net operating income to assets | 0.8335% | 3,225 |
| Return on assets (ROA) | 0.8478% | 3,259 |
| Pretax return on assets | 0.8916% | 3,529 |
| Return on Equity (ROE) | 7.5955% | 3,352 |
| Retained earnings to average equity (ytd only) | 1.8297% | 4,031 |
| Net charge-offs to loans | 0.0813% | 988 |
| Credit loss provision to net charge-offs | 1,533.3333% | 373 |
| Earnings coverage of net charge-offs (x) | 31.7430% | 1,570 |
| Efficiency ratio | 47.4054% | 4,442 |
| Assets per employee ($millions) | 7.3122% | 1,716 |
| Cash dividends to net income (ytd only)* | 75.9109% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4987% | 280 |
| Loan loss allowance to noncurrent loans | 48.2839% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 3.3037% | 61 |
| Noncurrent loans to loans | 5.1751% | 70 |
| Net loans and leases to total assets | 61.4867% | 2,002 |
| Net loans and leases to deposits | 72.3451% | 1,878 |
| Net loans and leases to core deposits | 73.8045% | 2,099 |
| Total domestic deposits to total assets | 84.9907% | 3,271 |
| Equity capital to assets | 11.0346% | 1,769 |
| Core capital (leverage) ratio | 8.6646% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7609% | 2,336 |
| Memoranda: | ||
| Average total assets | $466,142,600 | 1,785 |
| Average earning assets | $431,448,200 | 1,798 |
| Average equity | $52,030,800 | 1,703 |
| Average total loans | $306,426,400 | 1,678 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8520% | 1,909 |
| Cost of funding earning assets | 0.5033% | 1,030 |
| Net interest margin | 3.3486% | 2,295 |
| Noninterest income to average assets | 0.3224% | 3,499 |
| Noninterest expense to average assets | 2.0933% | 3,387 |
| Loan and lease loss provision to assets | 0.2680% | 322 |
| Net operating income to assets | 1.0079% | 2,878 |
| Return on assets (ROA) | 1.0217% | 2,896 |
| Pretax return on assets | 1.0750% | 3,253 |
| Return on Equity (ROE) | 9.0219% | 3,104 |
| Retained earnings to average equity (ytd only) | 9.0219% | 1,681 |
| Net charge-offs to loans | 0.1074% | 706 |
| Credit loss provision to net charge-offs | 376.4000% | 893 |
| Earnings coverage of net charge-offs (x) | 18.6600% | 1,780 |
| Efficiency ratio | 58.6135% | 3,176 |
| Assets per employee ($millions) | 7.2965% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 1,635 |
| Loan loss allowance to noncurrent loans | 34.7092% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 2.7944% | 102 |
| Noncurrent loans to loans | 4.3191% | 107 |
| Net loans and leases to total assets | 61.6417% | 2,050 |
| Net loans and leases to deposits | 74.7872% | 1,782 |
| Net loans and leases to core deposits | 76.4432% | 2,006 |
| Total domestic deposits to total assets | 82.4227% | 3,841 |
| Equity capital to assets | 11.6380% | 1,583 |
| Core capital (leverage) ratio | 9.2228% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6673% | 2,097 |
| Memoranda: | ||
| Average total assets | $468,206,000 | 1,803 |
| Average earning assets | $433,360,500 | 1,815 |
| Average equity | $53,025,250 | 1,700 |
| Average total loans | $310,405,750 | 1,687 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 1,797 |
| Cost of funding earning assets | 0.5228% | 1,076 |
| Net interest margin | 3.3834% | 2,194 |
| Noninterest income to average assets | 0.2279% | 4,034 |
| Noninterest expense to average assets | 2.1011% | 3,385 |
| Loan and lease loss provision to assets | 0.3150% | 261 |
| Net operating income to assets | 0.8952% | 3,233 |
| Return on assets (ROA) | 0.9159% | 3,253 |
| Pretax return on assets | 0.9633% | 3,516 |
| Return on Equity (ROE) | 8.1621% | 3,363 |
| Retained earnings to average equity (ytd only) | 8.1621% | 2,019 |
| Net charge-offs to loans | 0.2370% | 370 |
| Credit loss provision to net charge-offs | 196.8000% | 1,058 |
| Earnings coverage of net charge-offs (x) | 7.8507% | 1,910 |
| Efficiency ratio | 59.8831% | 3,027 |
| Assets per employee ($millions) | 7.7342% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 2,330 |
| Loan loss allowance to noncurrent loans | 35.6778% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.4988% | 138 |
| Noncurrent loans to loans | 3.7057% | 164 |
| Net loans and leases to total assets | 64.1183% | 1,934 |
| Net loans and leases to deposits | 77.9668% | 1,627 |
| Net loans and leases to core deposits | 79.8987% | 1,895 |
| Total domestic deposits to total assets | 82.2380% | 3,879 |
| Equity capital to assets | 11.3170% | 1,744 |
| Core capital (leverage) ratio | 8.8140% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9186% | 2,394 |
| Memoranda: | ||
| Average total assets | $468,615,333 | 1,791 |
| Average earning assets | $433,466,000 | 1,802 |
| Average equity | $52,584,667 | 1,702 |
| Average total loans | $316,463,000 | 1,671 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 1,509 |
| Cost of funding earning assets | 0.5482% | 1,111 |
| Net interest margin | 3.5022% | 1,818 |
| Noninterest income to average assets | 0.2030% | 4,170 |
| Noninterest expense to average assets | 2.0752% | 3,494 |
| Loan and lease loss provision to assets | 0.3229% | 271 |
| Net operating income to assets | 0.9938% | 2,829 |
| Return on assets (ROA) | 1.0149% | 2,851 |
| Pretax return on assets | 1.0663% | 3,201 |
| Return on Equity (ROE) | 9.0838% | 3,005 |
| Retained earnings to average equity (ytd only) | 9.0838% | 1,928 |
| Net charge-offs to loans | -0.0137% | 3,813 |
| Credit loss provision to net charge-offs | -3,427.2727% | 3,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5516% | 3,364 |
| Assets per employee ($millions) | 7.2341% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 2,633 |
| Loan loss allowance to noncurrent loans | 30.2859% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 2.8604% | 115 |
| Noncurrent loans to loans | 4.1498% | 130 |
| Net loans and leases to total assets | 67.1059% | 1,647 |
| Net loans and leases to deposits | 81.8002% | 1,350 |
| Net loans and leases to core deposits | 83.6630% | 1,705 |
| Total domestic deposits to total assets | 82.0364% | 3,886 |
| Equity capital to assets | 10.8380% | 1,980 |
| Core capital (leverage) ratio | 8.4880% | 4,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1594% | 2,604 |
| Memoranda: | ||
| Average total assets | $467,029,500 | 1,784 |
| Average earning assets | $431,952,000 | 1,800 |
| Average equity | $52,181,000 | 1,706 |
| Average total loans | $321,417,000 | 1,661 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8006% | 738 |
| Cost of funding earning assets | 0.8684% | 953 |
| Net interest margin | 3.9323% | 1,133 |
| Noninterest income to average assets | 0.2441% | 4,026 |
| Noninterest expense to average assets | 2.1553% | 3,803 |
| Loan and lease loss provision to assets | 0.3249% | 1,123 |
| Net operating income to assets | 1.2994% | 1,252 |
| Return on assets (ROA) | 1.2994% | 1,351 |
| Pretax return on assets | 1.3640% | 1,774 |
| Return on Equity (ROE) | 10.9441% | 1,646 |
| Retained earnings to average equity (ytd only) | 6.4580% | 1,608 |
| Net charge-offs to loans | 0.1130% | 1,347 |
| Credit loss provision to net charge-offs | 378.1671% | 1,496 |
| Earnings coverage of net charge-offs (x) | 19.6577% | 1,968 |
| Efficiency ratio | 53.0120% | 4,308 |
| Assets per employee ($millions) | 6.9183% | 1,630 |
| Cash dividends to net income (ytd only)* | 40.9909% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 3,171 |
| Loan loss allowance to noncurrent loans | 30.1446% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 2.7571% | 147 |
| Noncurrent loans to loans | 3.8450% | 155 |
| Net loans and leases to total assets | 68.9142% | 1,705 |
| Net loans and leases to deposits | 84.8929% | 1,375 |
| Net loans and leases to core deposits | 87.7581% | 1,717 |
| Total domestic deposits to total assets | 81.1779% | 3,835 |
| Equity capital to assets | 11.5232% | 1,865 |
| Core capital (leverage) ratio | 8.7219% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6737% | 2,746 |
| Memoranda: | ||
| Average total assets | $431,812,000 | 1,760 |
| Average earning assets | $395,344,400 | 1,783 |
| Average equity | $51,269,400 | 1,657 |
| Average total loans | $328,458,400 | 1,584 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1685% | 441 |
| Cost of funding earning assets | 0.9288% | 963 |
| Net interest margin | 4.2397% | 672 |
| Noninterest income to average assets | 0.2392% | 4,054 |
| Noninterest expense to average assets | 2.2894% | 3,448 |
| Loan and lease loss provision to assets | 0.4479% | 724 |
| Net operating income to assets | 1.3117% | 1,329 |
| Return on assets (ROA) | 1.3117% | 1,419 |
| Pretax return on assets | 1.3784% | 1,799 |
| Return on Equity (ROE) | 10.9288% | 1,707 |
| Retained earnings to average equity (ytd only) | 5.7109% | 2,234 |
| Net charge-offs to loans | 0.1609% | 917 |
| Credit loss provision to net charge-offs | 358.3960% | 1,582 |
| Earnings coverage of net charge-offs (x) | 14.6165% | 2,146 |
| Efficiency ratio | 52.6516% | 4,285 |
| Assets per employee ($millions) | 6.9782% | 1,520 |
| Cash dividends to net income (ytd only)* | 47.7441% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 3,818 |
| Loan loss allowance to noncurrent loans | 20.1989% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 3.7623% | 89 |
| Noncurrent loans to loans | 4.7958% | 118 |
| Net loans and leases to total assets | 76.0416% | 1,087 |
| Net loans and leases to deposits | 95.0948% | 834 |
| Net loans and leases to core deposits | 98.7940% | 1,258 |
| Total domestic deposits to total assets | 79.9641% | 3,873 |
| Equity capital to assets | 11.7964% | 1,809 |
| Core capital (leverage) ratio | 8.7261% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8839% | 2,940 |
| Memoranda: | ||
| Average total assets | $425,784,750 | 1,755 |
| Average earning assets | $389,295,000 | 1,782 |
| Average equity | $51,105,250 | 1,653 |
| Average total loans | $330,578,750 | 1,572 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9175% | 944 |
| Cost of funding earning assets | 0.9901% | 1,017 |
| Net interest margin | 3.9275% | 1,509 |
| Noninterest income to average assets | 0.2640% | 3,889 |
| Noninterest expense to average assets | 2.3012% | 3,509 |
| Loan and lease loss provision to assets | 0.1520% | 2,486 |
| Net operating income to assets | 1.3315% | 1,275 |
| Return on assets (ROA) | 1.3315% | 1,374 |
| Pretax return on assets | 1.3994% | 1,729 |
| Return on Equity (ROE) | 11.0277% | 1,620 |
| Retained earnings to average equity (ytd only) | 11.0277% | 601 |
| Net charge-offs to loans | 0.1779% | 844 |
| Credit loss provision to net charge-offs | 109.5890% | 2,339 |
| Earnings coverage of net charge-offs (x) | 11.1884% | 2,105 |
| Efficiency ratio | 56.4403% | 3,892 |
| Assets per employee ($millions) | 6.9044% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6729% | 4,625 |
| Loan loss allowance to noncurrent loans | 150.4290% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 2,665 |
| Noncurrent loans to loans | 0.4473% | 2,816 |
| Net loans and leases to total assets | 77.3352% | 947 |
| Net loans and leases to deposits | 97.7281% | 674 |
| Net loans and leases to core deposits | 101.7868% | 1,128 |
| Total domestic deposits to total assets | 79.1331% | 4,019 |
| Equity capital to assets | 12.0869% | 1,614 |
| Core capital (leverage) ratio | 9.0644% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8453% | 3,004 |
| Memoranda: | ||
| Average total assets | $421,171,333 | 1,747 |
| Average earning assets | $384,828,333 | 1,769 |
| Average equity | $50,853,667 | 1,643 |
| Average total loans | $328,249,000 | 1,562 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9971% | 976 |
| Cost of funding earning assets | 1.0960% | 1,056 |
| Net interest margin | 3.9011% | 1,672 |
| Noninterest income to average assets | 0.2588% | 3,995 |
| Noninterest expense to average assets | 2.3405% | 3,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4030% | 967 |
| Return on assets (ROA) | 1.4030% | 1,049 |
| Pretax return on assets | 1.4754% | 1,370 |
| Return on Equity (ROE) | 11.6256% | 1,220 |
| Retained earnings to average equity (ytd only) | 11.6256% | 467 |
| Net charge-offs to loans | -0.0235% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8694% | 4,017 |
| Assets per employee ($millions) | 6.3045% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6902% | 4,624 |
| Loan loss allowance to noncurrent loans | 115.1376% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 2,418 |
| Noncurrent loans to loans | 0.5994% | 2,496 |
| Net loans and leases to total assets | 78.1199% | 964 |
| Net loans and leases to deposits | 100.4651% | 525 |
| Net loans and leases to core deposits | 109.1843% | 892 |
| Total domestic deposits to total assets | 77.7582% | 4,257 |
| Equity capital to assets | 12.2562% | 1,881 |
| Core capital (leverage) ratio | 9.1099% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6556% | 3,198 |
| Memoranda: | ||
| Average total assets | $414,269,500 | 1,723 |
| Average earning assets | $377,741,500 | 1,749 |
| Average equity | $49,993,000 | 1,665 |
| Average total loans | $323,039,500 | 1,547 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2648% | 882 |
| Cost of funding earning assets | 1.1637% | 1,114 |
| Net interest margin | 4.1011% | 1,540 |
| Noninterest income to average assets | 0.3186% | 3,786 |
| Noninterest expense to average assets | 2.3853% | 3,724 |
| Loan and lease loss provision to assets | 0.0700% | 2,600 |
| Net operating income to assets | 1.5485% | 946 |
| Return on assets (ROA) | 1.5583% | 981 |
| Pretax return on assets | 1.6311% | 1,398 |
| Return on Equity (ROE) | 12.9208% | 1,187 |
| Retained earnings to average equity (ytd only) | 3.4720% | 3,271 |
| Net charge-offs to loans | 0.0731% | 2,050 |
| Credit loss provision to net charge-offs | 121.7822% | 2,085 |
| Earnings coverage of net charge-offs (x) | 29.4257% | 1,600 |
| Efficiency ratio | 55.7331% | 4,240 |
| Assets per employee ($millions) | 6.3452% | 1,391 |
| Cash dividends to net income (ytd only)* | 73.1289% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7024% | 4,567 |
| Loan loss allowance to noncurrent loans | 116.4932% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 2,298 |
| Noncurrent loans to loans | 0.6030% | 2,376 |
| Net loans and leases to total assets | 76.7444% | 1,295 |
| Net loans and leases to deposits | 98.1832% | 747 |
| Net loans and leases to core deposits | 107.3177% | 1,020 |
| Total domestic deposits to total assets | 78.1645% | 4,334 |
| Equity capital to assets | 11.8776% | 2,219 |
| Core capital (leverage) ratio | 8.7929% | 4,670 |
| Tier 1 risk-based capital ratio | 10.7767% | 4,938 |
| Total risk-based capital ratio | 11.4772% | 5,029 |
| Memoranda: | ||
| Average total assets | $351,533,200 | 1,903 |
| Average earning assets | $322,082,000 | 1,914 |
| Average equity | $42,396,600 | 1,842 |
| Average total loans | $276,380,200 | 1,709 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1017% | 1,280 |
| Cost of funding earning assets | 1.1705% | 1,115 |
| Net interest margin | 3.9312% | 2,157 |
| Noninterest income to average assets | 0.3041% | 3,919 |
| Noninterest expense to average assets | 2.4636% | 3,525 |
| Loan and lease loss provision to assets | 0.0480% | 2,932 |
| Net operating income to assets | 1.3398% | 1,679 |
| Return on assets (ROA) | 1.3535% | 1,698 |
| Pretax return on assets | 1.4126% | 2,257 |
| Return on Equity (ROE) | 11.1706% | 1,943 |
| Retained earnings to average equity (ytd only) | 3.9526% | 3,423 |
| Net charge-offs to loans | 0.0256% | 2,586 |
| Credit loss provision to net charge-offs | 237.2549% | 1,138 |
| Earnings coverage of net charge-offs (x) | 71.5276% | 933 |
| Efficiency ratio | 60.4238% | 3,554 |
| Assets per employee ($millions) | 6.0839% | 1,544 |
| Cash dividends to net income (ytd only)* | 64.6162% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7033% | 4,642 |
| Loan loss allowance to noncurrent loans | 27.5665% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 2.1054% | 398 |
| Noncurrent loans to loans | 2.5513% | 447 |
| Net loans and leases to total assets | 79.7814% | 877 |
| Net loans and leases to deposits | 104.6208% | 377 |
| Net loans and leases to core deposits | 112.3518% | 830 |
| Total domestic deposits to total assets | 76.2577% | 4,614 |
| Equity capital to assets | 12.1125% | 2,178 |
| Core capital (leverage) ratio | 8.6946% | 4,844 |
| Tier 1 risk-based capital ratio | 10.7292% | 5,009 |
| Total risk-based capital ratio | 11.4457% | 5,080 |
| Memoranda: | ||
| Average total assets | $336,306,750 | 1,969 |
| Average earning assets | $308,467,000 | 1,986 |
| Average equity | $40,748,750 | 1,907 |
| Average total loans | $265,784,500 | 1,759 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0325% | 1,390 |
| Cost of funding earning assets | 1.1605% | 1,104 |
| Net interest margin | 3.8721% | 2,337 |
| Noninterest income to average assets | 0.2524% | 4,242 |
| Noninterest expense to average assets | 2.3130% | 3,973 |
| Loan and lease loss provision to assets | 0.0769% | 2,275 |
| Net operating income to assets | 1.3733% | 1,502 |
| Return on assets (ROA) | 1.3733% | 1,563 |
| Pretax return on assets | 1.4286% | 2,106 |
| Return on Equity (ROE) | 11.3327% | 1,855 |
| Retained earnings to average equity (ytd only) | 11.3327% | 507 |
| Net charge-offs to loans | 0.0211% | 2,432 |
| Credit loss provision to net charge-offs | 465.3846% | 636 |
| Earnings coverage of net charge-offs (x) | 91.0769% | 741 |
| Efficiency ratio | 60.5728% | 3,644 |
| Assets per employee ($millions) | 6.4183% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 4,687 |
| Loan loss allowance to noncurrent loans | 51.2320% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.1181% | 1,208 |
| Noncurrent loans to loans | 1.3882% | 1,121 |
| Net loans and leases to total assets | 78.4435% | 1,140 |
| Net loans and leases to deposits | 100.8633% | 615 |
| Net loans and leases to core deposits | 111.5021% | 886 |
| Total domestic deposits to total assets | 77.7721% | 4,441 |
| Equity capital to assets | 12.0250% | 2,165 |
| Core capital (leverage) ratio | 8.6135% | 4,901 |
| Tier 1 risk-based capital ratio | 10.8074% | 4,989 |
| Total risk-based capital ratio | 11.5246% | 5,104 |
| Memoranda: | ||
| Average total assets | $314,563,330 | 2,085 |
| Average earning assets | $289,715,000 | 2,101 |
| Average equity | $38,119,670 | 2,017 |
| Average total loans | $246,839,000 | 1,864 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 2,789 |
| Cost of funding earning assets | 1.0369% | 1,420 |
| Net interest margin | 3.4872% | 3,628 |
| Noninterest income to average assets | 0.2462% | 4,247 |
| Noninterest expense to average assets | 2.0176% | 4,606 |
| Loan and lease loss provision to assets | 0.0901% | 1,908 |
| Net operating income to assets | 1.2985% | 1,699 |
| Return on assets (ROA) | 1.2985% | 1,740 |
| Pretax return on assets | 1.3646% | 2,216 |
| Return on Equity (ROE) | 10.6521% | 2,099 |
| Retained earnings to average equity (ytd only) | 10.6521% | 890 |
| Net charge-offs to loans | 0.0538% | 1,515 |
| Credit loss provision to net charge-offs | 214.2857% | 1,008 |
| Earnings coverage of net charge-offs (x) | 34.6071% | 1,246 |
| Efficiency ratio | 58.1064% | 4,061 |
| Assets per employee ($millions) | 7.0531% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,321 |
| Loan loss allowance to noncurrent loans | 54.3744% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.5603% | 751 |
| Noncurrent loans to loans | 1.9629% | 760 |
| Net loans and leases to total assets | 76.9511% | 1,325 |
| Net loans and leases to deposits | 102.1931% | 487 |
| Net loans and leases to core deposits | 111.5515% | 858 |
| Total domestic deposits to total assets | 75.2997% | 4,834 |
| Equity capital to assets | 12.4175% | 1,786 |
| Core capital (leverage) ratio | 11.5868% | 2,067 |
| Tier 1 risk-based capital ratio | 14.6895% | 3,012 |
| Total risk-based capital ratio | 15.7805% | 3,018 |
| Memoranda: | ||
| Average total assets | $266,461,000 | 2,395 |
| Average earning assets | $246,505,000 | 2,406 |
| Average equity | $32,482,000 | 2,274 |
| Average total loans | $207,994,000 | 2,146 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 2,959 |
| Cost of funding earning assets | 0.8625% | 1,253 |
| Net interest margin | 3.4781% | 3,778 |
| Noninterest income to average assets | 0.2554% | 4,400 |
| Noninterest expense to average assets | 2.0440% | 4,671 |
| Loan and lease loss provision to assets | 0.1421% | 1,514 |
| Net operating income to assets | 1.2366% | 2,025 |
| Return on assets (ROA) | 1.2366% | 2,017 |
| Pretax return on assets | 1.3069% | 2,470 |
| Return on Equity (ROE) | 10.4815% | 2,302 |
| Retained earnings to average equity (ytd only) | -0.3360% | 5,025 |
| Net charge-offs to loans | -0.0144% | 4,599 |
| Credit loss provision to net charge-offs | -1,266.6667% | 4,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5162% | 4,079 |
| Assets per employee ($millions) | 6.1606% | 1,409 |
| Cash dividends to net income (ytd only)* | 103.2053% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 3,342 |
| Loan loss allowance to noncurrent loans | 87.6149% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 1,393 |
| Noncurrent loans to loans | 1.2061% | 1,328 |
| Net loans and leases to total assets | 77.5101% | 1,352 |
| Net loans and leases to deposits | 102.3467% | 569 |
| Net loans and leases to core deposits | 111.5137% | 908 |
| Total domestic deposits to total assets | 75.7328% | 4,783 |
| Equity capital to assets | 11.9601% | 1,926 |
| Core capital (leverage) ratio | 11.1962% | 2,357 |
| Tier 1 risk-based capital ratio | 14.4005% | 3,111 |
| Total risk-based capital ratio | 15.4860% | 3,113 |
| Memoranda: | ||
| Average total assets | $267,419,400 | 2,354 |
| Average earning assets | $248,929,200 | 2,346 |
| Average equity | $31,550,800 | 2,246 |
| Average total loans | $209,025,800 | 2,104 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 3,048 |
| Cost of funding earning assets | 0.8238% | 1,222 |
| Net interest margin | 3.4539% | 3,854 |
| Noninterest income to average assets | 0.2442% | 4,514 |
| Noninterest expense to average assets | 2.0613% | 4,621 |
| Loan and lease loss provision to assets | 0.1343% | 1,492 |
| Net operating income to assets | 1.2008% | 2,236 |
| Return on assets (ROA) | 1.2008% | 2,237 |
| Pretax return on assets | 1.2664% | 2,736 |
| Return on Equity (ROE) | 10.2120% | 2,523 |
| Retained earnings to average equity (ytd only) | -1.5610% | 5,169 |
| Net charge-offs to loans | -0.0146% | 4,506 |
| Credit loss provision to net charge-offs | -1,173.9130% | 4,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5402% | 3,875 |
| Assets per employee ($millions) | 6.2141% | 1,341 |
| Cash dividends to net income (ytd only)* | 115.2856% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,786 |
| Loan loss allowance to noncurrent loans | 108.1813% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.8230% | 1,799 |
| Noncurrent loans to loans | 0.9217% | 1,853 |
| Net loans and leases to total assets | 77.1409% | 1,481 |
| Net loans and leases to deposits | 101.3841% | 683 |
| Net loans and leases to core deposits | 109.7028% | 1,056 |
| Total domestic deposits to total assets | 76.0877% | 4,779 |
| Equity capital to assets | 11.5551% | 2,222 |
| Core capital (leverage) ratio | 10.9536% | 2,627 |
| Tier 1 risk-based capital ratio | 13.9828% | 3,385 |
| Total risk-based capital ratio | 14.9898% | 3,414 |
| Memoranda: | ||
| Average total assets | $268,048,000 | 2,358 |
| Average earning assets | $249,722,750 | 2,354 |
| Average equity | $31,517,750 | 2,250 |
| Average total loans | $209,402,000 | 2,104 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 2,986 |
| Cost of funding earning assets | 0.7749% | 1,259 |
| Net interest margin | 3.4627% | 3,757 |
| Noninterest income to average assets | 0.2445% | 4,543 |
| Noninterest expense to average assets | 2.0848% | 4,640 |
| Loan and lease loss provision to assets | 0.1006% | 1,934 |
| Net operating income to assets | 1.2112% | 2,150 |
| Return on assets (ROA) | 1.2112% | 2,146 |
| Pretax return on assets | 1.2865% | 2,568 |
| Return on Equity (ROE) | 10.2421% | 2,455 |
| Retained earnings to average equity (ytd only) | -3.3279% | 5,229 |
| Net charge-offs to loans | -0.0172% | 4,503 |
| Credit loss provision to net charge-offs | -750.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0472% | 3,926 |
| Assets per employee ($millions) | 6.6348% | 1,113 |
| Cash dividends to net income (ytd only)* | 132.4923% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 4,294 |
| Loan loss allowance to noncurrent loans | 124.7423% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.6742% | 2,215 |
| Noncurrent loans to loans | 0.7298% | 2,281 |
| Net loans and leases to total assets | 77.4697% | 1,400 |
| Net loans and leases to deposits | 101.3646% | 705 |
| Net loans and leases to core deposits | 112.2141% | 874 |
| Total domestic deposits to total assets | 76.4268% | 4,812 |
| Equity capital to assets | 11.4302% | 2,245 |
| Core capital (leverage) ratio | 10.7503% | 2,754 |
| Tier 1 risk-based capital ratio | 13.6119% | 3,557 |
| Total risk-based capital ratio | 14.5311% | 3,669 |
| Memoranda: | ||
| Average total assets | $268,328,670 | 2,363 |
| Average earning assets | $250,093,330 | 2,358 |
| Average equity | $31,731,670 | 2,240 |
| Average total loans | $209,802,330 | 2,104 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 3,026 |
| Cost of funding earning assets | 0.7406% | 1,233 |
| Net interest margin | 3.4196% | 3,822 |
| Noninterest income to average assets | 0.2357% | 4,599 |
| Noninterest expense to average assets | 2.0805% | 4,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2594% | 1,776 |
| Return on assets (ROA) | 1.2594% | 1,786 |
| Pretax return on assets | 1.3434% | 2,208 |
| Return on Equity (ROE) | 10.4708% | 2,191 |
| Retained earnings to average equity (ytd only) | 1.0733% | 4,611 |
| Net charge-offs to loans | -0.0173% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7628% | 3,978 |
| Assets per employee ($millions) | 6.6148% | 1,140 |
| Cash dividends to net income (ytd only)* | 89.7497% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 4,675 |
| Loan loss allowance to noncurrent loans | 80.1431% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.9598% | 1,647 |
| Noncurrent loans to loans | 1.0476% | 1,746 |
| Net loans and leases to total assets | 78.0374% | 1,231 |
| Net loans and leases to deposits | 99.5353% | 743 |
| Net loans and leases to core deposits | 109.3023% | 1,046 |
| Total domestic deposits to total assets | 78.4017% | 4,667 |
| Equity capital to assets | 11.7328% | 1,969 |
| Core capital (leverage) ratio | 11.1698% | 2,265 |
| Tier 1 risk-based capital ratio | 13.8983% | 3,432 |
| Total risk-based capital ratio | 14.7488% | 3,565 |
| Memoranda: | ||
| Average total assets | $266,480,500 | 2,390 |
| Average earning assets | $248,450,000 | 2,393 |
| Average equity | $32,051,000 | 2,238 |
| Average total loans | $208,367,000 | 2,132 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 3,077 |
| Cost of funding earning assets | 0.6172% | 1,490 |
| Net interest margin | 3.4777% | 3,601 |
| Noninterest income to average assets | 0.2955% | 4,341 |
| Noninterest expense to average assets | 2.0703% | 4,836 |
| Loan and lease loss provision to assets | 0.1468% | 1,553 |
| Net operating income to assets | 1.2422% | 1,384 |
| Return on assets (ROA) | 1.2374% | 1,424 |
| Pretax return on assets | 1.2992% | 2,353 |
| Return on Equity (ROE) | 10.0371% | 1,867 |
| Retained earnings to average equity (ytd only) | 2.1403% | 4,035 |
| Net charge-offs to loans | 0.4911% | 485 |
| Credit loss provision to net charge-offs | 39.0545% | 3,446 |
| Earnings coverage of net charge-offs (x) | 3.8602% | 3,541 |
| Efficiency ratio | 58.7932% | 4,436 |
| Assets per employee ($millions) | 6.5439% | 1,189 |
| Cash dividends to net income (ytd only)* | 78.6762% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8770% | 4,570 |
| Loan loss allowance to noncurrent loans | 175.3196% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 2,845 |
| Noncurrent loans to loans | 0.5002% | 3,027 |
| Net loans and leases to total assets | 76.9869% | 1,435 |
| Net loans and leases to deposits | 99.4679% | 773 |
| Net loans and leases to core deposits | 108.6972% | 1,082 |
| Total domestic deposits to total assets | 77.3987% | 4,810 |
| Equity capital to assets | 12.3329% | 1,624 |
| Core capital (leverage) ratio | 11.3465% | 2,064 |
| Tier 1 risk-based capital ratio | 14.6047% | 3,038 |
| Total risk-based capital ratio | 15.4965% | 3,121 |
| Memoranda: | ||
| Average total assets | $258,849,400 | 2,424 |
| Average earning assets | $240,101,800 | 2,421 |
| Average equity | $31,911,600 | 2,223 |
| Average total loans | $198,143,800 | 2,170 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 3,109 |
| Cost of funding earning assets | 0.5985% | 1,536 |
| Net interest margin | 3.4669% | 3,615 |
| Noninterest income to average assets | 0.3027% | 4,367 |
| Noninterest expense to average assets | 2.1059% | 4,722 |
| Loan and lease loss provision to assets | 0.1963% | 970 |
| Net operating income to assets | 1.1581% | 1,851 |
| Return on assets (ROA) | 1.1684% | 1,852 |
| Pretax return on assets | 1.2247% | 2,803 |
| Return on Equity (ROE) | 9.4784% | 2,360 |
| Retained earnings to average equity (ytd only) | 1.7264% | 4,733 |
| Net charge-offs to loans | 0.4978% | 410 |
| Credit loss provision to net charge-offs | 51.7007% | 2,895 |
| Earnings coverage of net charge-offs (x) | 3.7143% | 3,306 |
| Efficiency ratio | 59.8942% | 4,238 |
| Assets per employee ($millions) | 6.6299% | 1,115 |
| Cash dividends to net income (ytd only)* | 81.7863% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 4,001 |
| Loan loss allowance to noncurrent loans | 138.7097% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 2,390 |
| Noncurrent loans to loans | 0.7277% | 2,536 |
| Net loans and leases to total assets | 76.6563% | 1,475 |
| Net loans and leases to deposits | 100.3941% | 718 |
| Net loans and leases to core deposits | 110.1205% | 1,019 |
| Total domestic deposits to total assets | 76.3554% | 4,976 |
| Equity capital to assets | 12.4893% | 1,662 |
| Core capital (leverage) ratio | 11.3485% | 2,146 |
| Tier 1 risk-based capital ratio | 14.7604% | 3,031 |
| Total risk-based capital ratio | 15.7916% | 3,073 |
| Memoranda: | ||
| Average total assets | $258,123,000 | 2,445 |
| Average earning assets | $239,245,500 | 2,446 |
| Average equity | $31,819,000 | 2,247 |
| Average total loans | $196,854,750 | 2,190 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 3,091 |
| Cost of funding earning assets | 0.5564% | 1,734 |
| Net interest margin | 3.4733% | 3,496 |
| Noninterest income to average assets | 0.3380% | 4,131 |
| Noninterest expense to average assets | 2.1242% | 4,733 |
| Loan and lease loss provision to assets | 0.2946% | 527 |
| Net operating income to assets | 1.0868% | 2,048 |
| Return on assets (ROA) | 1.1024% | 2,010 |
| Pretax return on assets | 1.1536% | 2,962 |
| Return on Equity (ROE) | 8.9827% | 2,519 |
| Retained earnings to average equity (ytd only) | 0.7075% | 4,921 |
| Net charge-offs to loans | 0.7572% | 255 |
| Credit loss provision to net charge-offs | 51.2821% | 2,548 |
| Earnings coverage of net charge-offs (x) | 2.4926% | 3,155 |
| Efficiency ratio | 59.7340% | 4,353 |
| Assets per employee ($millions) | 6.3049% | 1,252 |
| Cash dividends to net income (ytd only)* | 92.1238% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 4,050 |
| Loan loss allowance to noncurrent loans | 109.5109% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.8549% | 2,071 |
| Noncurrent loans to loans | 0.9278% | 2,114 |
| Net loans and leases to total assets | 75.9367% | 1,550 |
| Net loans and leases to deposits | 100.2856% | 715 |
| Net loans and leases to core deposits | 106.4494% | 1,195 |
| Total domestic deposits to total assets | 75.7204% | 5,125 |
| Equity capital to assets | 12.3864% | 1,678 |
| Core capital (leverage) ratio | 11.2743% | 2,151 |
| Tier 1 risk-based capital ratio | 14.7526% | 3,034 |
| Total risk-based capital ratio | 15.7910% | 3,066 |
| Memoranda: | ||
| Average total assets | $257,975,330 | 2,454 |
| Average earning assets | $239,023,000 | 2,459 |
| Average equity | $31,661,000 | 2,253 |
| Average total loans | $195,730,330 | 2,208 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 3,171 |
| Cost of funding earning assets | 0.5349% | 1,826 |
| Net interest margin | 3.4258% | 3,544 |
| Noninterest income to average assets | 0.2530% | 4,728 |
| Noninterest expense to average assets | 2.0131% | 5,026 |
| Loan and lease loss provision to assets | 0.5898% | 165 |
| Net operating income to assets | 0.7839% | 3,290 |
| Return on assets (ROA) | 0.8149% | 3,210 |
| Pretax return on assets | 0.8537% | 3,923 |
| Return on Equity (ROE) | 6.6705% | 3,569 |
| Retained earnings to average equity (ytd only) | -2.3505% | 5,203 |
| Net charge-offs to loans | 1.6355% | 96 |
| Credit loss provision to net charge-offs | 47.7987% | 2,004 |
| Earnings coverage of net charge-offs (x) | 1.1434% | 2,756 |
| Efficiency ratio | 58.7942% | 4,617 |
| Assets per employee ($millions) | 6.2609% | 1,319 |
| Cash dividends to net income (ytd only)* | 135.2381% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 4,249 |
| Loan loss allowance to noncurrent loans | 63.1765% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.3697% | 1,225 |
| Noncurrent loans to loans | 1.5901% | 1,226 |
| Net loans and leases to total assets | 75.2825% | 1,531 |
| Net loans and leases to deposits | 94.2613% | 1,082 |
| Net loans and leases to core deposits | 102.3353% | 1,346 |
| Total domestic deposits to total assets | 79.8658% | 4,648 |
| Equity capital to assets | 12.2592% | 1,681 |
| Core capital (leverage) ratio | 11.2650% | 2,128 |
| Tier 1 risk-based capital ratio | 14.7896% | 3,070 |
| Total risk-based capital ratio | 15.8134% | 3,102 |
| Memoranda: | ||
| Average total assets | $257,712,500 | 2,479 |
| Average earning assets | $238,546,000 | 2,481 |
| Average equity | $31,482,000 | 2,261 |
| Average total loans | $194,439,500 | 2,228 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8148% | 3,854 |
| Cost of funding earning assets | 0.5552% | 1,641 |
| Net interest margin | 3.2596% | 4,271 |
| Noninterest income to average assets | 0.2492% | 4,932 |
| Noninterest expense to average assets | 2.0393% | 5,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1801% | 1,567 |
| Return on assets (ROA) | 1.1873% | 1,643 |
| Pretax return on assets | 1.2441% | 2,496 |
| Return on Equity (ROE) | 9.7946% | 2,058 |
| Retained earnings to average equity (ytd only) | 1.7948% | 4,509 |
| Net charge-offs to loans | 0.0243% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 70.5435% | 784 |
| Efficiency ratio | 62.2543% | 4,211 |
| Assets per employee ($millions) | 6.4682% | 1,170 |
| Cash dividends to net income (ytd only)* | 81.6752% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,959 |
| Loan loss allowance to noncurrent loans | 60.8919% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.6678% | 934 |
| Noncurrent loans to loans | 2.0148% | 889 |
| Net loans and leases to total assets | 73.9363% | 1,859 |
| Net loans and leases to deposits | 91.4346% | 1,521 |
| Net loans and leases to core deposits | 101.1249% | 1,524 |
| Total domestic deposits to total assets | 80.8625% | 4,365 |
| Equity capital to assets | 12.1730% | 1,696 |
| Core capital (leverage) ratio | 11.1932% | 2,172 |
| Tier 1 risk-based capital ratio | 14.9106% | 3,009 |
| Total risk-based capital ratio | 16.1530% | 2,952 |
| Memoranda: | ||
| Average total assets | $262,437,800 | 2,415 |
| Average earning assets | $243,682,600 | 2,408 |
| Average equity | $31,813,600 | 2,233 |
| Average total loans | $189,456,800 | 2,212 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7743% | 4,001 |
| Cost of funding earning assets | 0.5606% | 1,607 |
| Net interest margin | 3.2138% | 4,452 |
| Noninterest income to average assets | 0.2293% | 5,099 |
| Noninterest expense to average assets | 2.0473% | 5,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1183% | 1,924 |
| Return on assets (ROA) | 1.1279% | 2,000 |
| Pretax return on assets | 1.1816% | 2,913 |
| Return on Equity (ROE) | 9.3142% | 2,354 |
| Retained earnings to average equity (ytd only) | 1.2667% | 5,007 |
| Net charge-offs to loans | 0.0212% | 3,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 77.1315% | 808 |
| Efficiency ratio | 63.6049% | 3,983 |
| Assets per employee ($millions) | 6.2354% | 1,273 |
| Cash dividends to net income (ytd only)* | 86.4003% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 2,811 |
| Loan loss allowance to noncurrent loans | 50.3261% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.9883% | 781 |
| Noncurrent loans to loans | 2.5356% | 686 |
| Net loans and leases to total assets | 72.3870% | 2,130 |
| Net loans and leases to deposits | 88.3901% | 1,963 |
| Net loans and leases to core deposits | 99.4385% | 1,687 |
| Total domestic deposits to total assets | 81.8948% | 3,966 |
| Equity capital to assets | 12.6712% | 1,666 |
| Core capital (leverage) ratio | 11.1047% | 2,351 |
| Tier 1 risk-based capital ratio | 15.0874% | 3,005 |
| Total risk-based capital ratio | 16.3377% | 2,944 |
| Memoranda: | ||
| Average total assets | $263,365,250 | 2,411 |
| Average earning assets | $244,981,250 | 2,408 |
| Average equity | $31,893,250 | 2,247 |
| Average total loans | $188,403,500 | 2,226 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 4,270 |
| Cost of funding earning assets | 0.5588% | 1,632 |
| Net interest margin | 3.1508% | 4,689 |
| Noninterest income to average assets | 0.2422% | 5,035 |
| Noninterest expense to average assets | 2.0321% | 5,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0927% | 1,980 |
| Return on assets (ROA) | 1.0927% | 2,110 |
| Pretax return on assets | 1.1446% | 3,010 |
| Return on Equity (ROE) | 9.1596% | 2,426 |
| Retained earnings to average equity (ytd only) | 0.1765% | 5,249 |
| Net charge-offs to loans | 0.0318% | 2,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 50.7333% | 984 |
| Efficiency ratio | 63.9678% | 4,023 |
| Assets per employee ($millions) | 6.4396% | 1,113 |
| Cash dividends to net income (ytd only)* | 98.0730% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 2,913 |
| Loan loss allowance to noncurrent loans | 46.1776% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 2.1487% | 732 |
| Noncurrent loans to loans | 2.7650% | 577 |
| Net loans and leases to total assets | 70.0510% | 2,475 |
| Net loans and leases to deposits | 86.8746% | 2,148 |
| Net loans and leases to core deposits | 97.7093% | 1,831 |
| Total domestic deposits to total assets | 80.6346% | 4,381 |
| Equity capital to assets | 12.2319% | 1,955 |
| Core capital (leverage) ratio | 10.7145% | 2,730 |
| Tier 1 risk-based capital ratio | 14.7369% | 3,187 |
| Total risk-based capital ratio | 15.9871% | 3,139 |
| Memoranda: | ||
| Average total assets | $265,936,670 | 2,420 |
| Average earning assets | $247,684,670 | 2,402 |
| Average equity | $31,726,330 | 2,260 |
| Average total loans | $188,721,330 | 2,224 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5698% | 4,707 |
| Cost of funding earning assets | 0.5585% | 1,635 |
| Net interest margin | 3.0113% | 5,094 |
| Noninterest income to average assets | 0.2293% | 5,099 |
| Noninterest expense to average assets | 1.9393% | 5,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0491% | 2,085 |
| Return on assets (ROA) | 1.0491% | 2,195 |
| Pretax return on assets | 1.0941% | 3,118 |
| Return on Equity (ROE) | 8.9053% | 2,469 |
| Retained earnings to average equity (ytd only) | -0.3180% | 5,166 |
| Net charge-offs to loans | -0.0106% | 4,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9328% | 4,136 |
| Assets per employee ($millions) | 7.0105% | 896 |
| Cash dividends to net income (ytd only)* | 103.5714% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 3,013 |
| Loan loss allowance to noncurrent loans | 38.9567% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 2.5822% | 563 |
| Noncurrent loans to loans | 3.2810% | 447 |
| Net loans and leases to total assets | 70.3666% | 2,283 |
| Net loans and leases to deposits | 88.5199% | 1,765 |
| Net loans and leases to core deposits | 96.1846% | 1,777 |
| Total domestic deposits to total assets | 79.4924% | 4,856 |
| Equity capital to assets | 11.9700% | 2,047 |
| Core capital (leverage) ratio | 10.6657% | 2,779 |
| Tier 1 risk-based capital ratio | 14.5126% | 3,387 |
| Total risk-based capital ratio | 15.7623% | 3,323 |
| Memoranda: | ||
| Average total assets | $266,894,000 | 2,415 |
| Average earning assets | $248,528,000 | 2,400 |
| Average equity | $31,442,000 | 2,279 |
| Average total loans | $189,411,000 | 2,218 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 3,600 |
| Cost of funding earning assets | 0.5748% | 1,553 |
| Net interest margin | 3.3549% | 4,094 |
| Noninterest income to average assets | 0.2574% | 5,053 |
| Noninterest expense to average assets | 1.9463% | 5,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3754% | 1,087 |
| Return on assets (ROA) | 1.3747% | 1,129 |
| Pretax return on assets | 1.4304% | 1,790 |
| Return on Equity (ROE) | 12.2188% | 1,250 |
| Retained earnings to average equity (ytd only) | 6.3896% | 1,611 |
| Net charge-offs to loans | -0.0581% | 5,597 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5069% | 5,195 |
| Assets per employee ($millions) | 7.2267% | 814 |
| Cash dividends to net income (ytd only)* | 47.7064% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 3,006 |
| Loan loss allowance to noncurrent loans | 105.4419% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 1,980 |
| Noncurrent loans to loans | 1.2157% | 1,941 |
| Net loans and leases to total assets | 69.7549% | 2,405 |
| Net loans and leases to deposits | 87.1880% | 1,979 |
| Net loans and leases to core deposits | 96.1829% | 1,828 |
| Total domestic deposits to total assets | 80.0052% | 4,739 |
| Equity capital to assets | 11.5921% | 2,288 |
| Core capital (leverage) ratio | 10.6262% | 2,803 |
| Tier 1 risk-based capital ratio | 14.7055% | 3,328 |
| Total risk-based capital ratio | 15.9558% | 3,257 |
| Memoranda: | ||
| Average total assets | $269,583,400 | 2,347 |
| Average earning assets | $250,706,200 | 2,334 |
| Average equity | $30,330,400 | 2,296 |
| Average total loans | $185,978,400 | 2,187 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9078% | 3,723 |
| Cost of funding earning assets | 0.5817% | 1,527 |
| Net interest margin | 3.3261% | 4,234 |
| Noninterest income to average assets | 0.2557% | 5,112 |
| Noninterest expense to average assets | 1.8973% | 5,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3829% | 1,151 |
| Return on assets (ROA) | 1.3820% | 1,205 |
| Pretax return on assets | 1.4506% | 1,828 |
| Return on Equity (ROE) | 12.3765% | 1,274 |
| Retained earnings to average equity (ytd only) | 7.9209% | 1,268 |
| Net charge-offs to loans | -0.0295% | 5,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4923% | 5,285 |
| Assets per employee ($millions) | 6.9954% | 872 |
| Cash dividends to net income (ytd only)* | 36.0001% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 3,410 |
| Loan loss allowance to noncurrent loans | 95.3055% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.3562% | 1,715 |
| Noncurrent loans to loans | 1.3050% | 1,959 |
| Net loans and leases to total assets | 70.3429% | 2,342 |
| Net loans and leases to deposits | 86.4669% | 2,093 |
| Net loans and leases to core deposits | 97.8626% | 1,708 |
| Total domestic deposits to total assets | 81.3524% | 4,375 |
| Equity capital to assets | 11.8315% | 2,237 |
| Core capital (leverage) ratio | 10.6217% | 2,903 |
| Tier 1 risk-based capital ratio | 14.6623% | 3,462 |
| Total risk-based capital ratio | 15.9044% | 3,401 |
| Memoranda: | ||
| Average total assets | $270,132,000 | 2,352 |
| Average earning assets | $251,220,000 | 2,351 |
| Average equity | $30,164,000 | 2,323 |
| Average total loans | $185,238,250 | 2,206 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8898% | 3,731 |
| Cost of funding earning assets | 0.5883% | 1,499 |
| Net interest margin | 3.3015% | 4,294 |
| Noninterest income to average assets | 0.2533% | 5,135 |
| Noninterest expense to average assets | 1.8935% | 5,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3602% | 1,165 |
| Return on assets (ROA) | 1.3588% | 1,213 |
| Pretax return on assets | 1.4295% | 1,865 |
| Return on Equity (ROE) | 12.4096% | 1,256 |
| Retained earnings to average equity (ytd only) | 7.2305% | 1,603 |
| Net charge-offs to loans | -0.0185% | 5,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7125% | 5,361 |
| Assets per employee ($millions) | 7.0330% | 823 |
| Cash dividends to net income (ytd only)* | 41.7344% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 3,597 |
| Loan loss allowance to noncurrent loans | 111.0000% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.3104% | 1,921 |
| Noncurrent loans to loans | 1.1122% | 2,434 |
| Net loans and leases to total assets | 69.7811% | 2,349 |
| Net loans and leases to deposits | 85.5939% | 2,093 |
| Net loans and leases to core deposits | 98.1992% | 1,639 |
| Total domestic deposits to total assets | 81.5257% | 4,441 |
| Equity capital to assets | 11.1748% | 2,693 |
| Core capital (leverage) ratio | 10.1284% | 3,429 |
| Tier 1 risk-based capital ratio | 14.4026% | 3,696 |
| Total risk-based capital ratio | 15.6423% | 3,621 |
| Memoranda: | ||
| Average total assets | $271,567,670 | 2,358 |
| Average earning assets | $252,610,000 | 2,353 |
| Average equity | $29,735,000 | 2,357 |
| Average total loans | $183,869,670 | 2,234 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 3,947 |
| Cost of funding earning assets | 0.5870% | 1,524 |
| Net interest margin | 3.2300% | 4,485 |
| Noninterest income to average assets | 0.2484% | 5,175 |
| Noninterest expense to average assets | 1.8822% | 5,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3050% | 1,258 |
| Return on assets (ROA) | 1.3050% | 1,346 |
| Pretax return on assets | 1.3736% | 1,983 |
| Return on Equity (ROE) | 12.0391% | 1,339 |
| Retained earnings to average equity (ytd only) | 8.3991% | 1,414 |
| Net charge-offs to loans | -0.0221% | 5,092 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4057% | 5,400 |
| Assets per employee ($millions) | 7.1708% | 796 |
| Cash dividends to net income (ytd only)* | 30.2352% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 3,536 |
| Loan loss allowance to noncurrent loans | 143.7229% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.1377% | 2,362 |
| Noncurrent loans to loans | 0.8885% | 3,021 |
| Net loans and leases to total assets | 65.9364% | 2,785 |
| Net loans and leases to deposits | 81.0211% | 2,448 |
| Net loans and leases to core deposits | 92.4723% | 1,910 |
| Total domestic deposits to total assets | 81.3817% | 4,709 |
| Equity capital to assets | 11.0936% | 2,872 |
| Core capital (leverage) ratio | 9.9136% | 3,726 |
| Tier 1 risk-based capital ratio | 14.5879% | 3,674 |
| Total risk-based capital ratio | 15.8376% | 3,597 |
| Memoranda: | ||
| Average total assets | $273,725,000 | 2,361 |
| Average earning assets | $254,863,500 | 2,345 |
| Average equity | $29,670,000 | 2,377 |
| Average total loans | $181,393,000 | 2,266 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9789% | 3,799 |
| Cost of funding earning assets | 0.6384% | 1,490 |
| Net interest margin | 3.3405% | 4,437 |
| Noninterest income to average assets | 0.5606% | 3,120 |
| Noninterest expense to average assets | 1.9763% | 5,810 |
| Loan and lease loss provision to assets | 0.0567% | 3,414 |
| Net operating income to assets | 1.5394% | 811 |
| Return on assets (ROA) | 1.5412% | 841 |
| Pretax return on assets | 1.6172% | 1,188 |
| Return on Equity (ROE) | 15.1785% | 752 |
| Retained earnings to average equity (ytd only) | 7.7288% | 1,118 |
| Net charge-offs to loans | 0.0737% | 3,436 |
| Credit loss provision to net charge-offs | 115.3846% | 2,066 |
| Earnings coverage of net charge-offs (x) | 34.0231% | 1,217 |
| Efficiency ratio | 53.8183% | 5,853 |
| Assets per employee ($millions) | 6.7063% | 950 |
| Cash dividends to net income (ytd only)* | 49.0802% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 3,543 |
| Loan loss allowance to noncurrent loans | 165.8781% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 1.0485% | 2,647 |
| Noncurrent loans to loans | 0.7716% | 3,384 |
| Net loans and leases to total assets | 64.9105% | 3,068 |
| Net loans and leases to deposits | 79.6563% | 2,767 |
| Net loans and leases to core deposits | 91.9582% | 2,091 |
| Total domestic deposits to total assets | 81.4882% | 4,600 |
| Equity capital to assets | 10.5874% | 3,377 |
| Core capital (leverage) ratio | 9.7159% | 3,948 |
| Tier 1 risk-based capital ratio | 14.3426% | 3,870 |
| Total risk-based capital ratio | 15.5928% | 3,812 |
| Memoranda: | ||
| Average total assets | $264,528,400 | 2,389 |
| Average earning assets | $244,513,200 | 2,389 |
| Average equity | $26,860,400 | 2,500 |
| Average total loans | $176,453,200 | 2,266 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 4,089 |
| Cost of funding earning assets | 0.6456% | 1,486 |
| Net interest margin | 3.2763% | 4,691 |
| Noninterest income to average assets | 0.5834% | 2,973 |
| Noninterest expense to average assets | 2.0158% | 5,743 |
| Loan and lease loss provision to assets | 0.0764% | 2,810 |
| Net operating income to assets | 1.4407% | 1,048 |
| Return on assets (ROA) | 1.4432% | 1,082 |
| Pretax return on assets | 1.5190% | 1,586 |
| Return on Equity (ROE) | 14.3735% | 920 |
| Retained earnings to average equity (ytd only) | 5.8761% | 2,482 |
| Net charge-offs to loans | 0.0281% | 3,929 |
| Credit loss provision to net charge-offs | 405.4054% | 688 |
| Earnings coverage of net charge-offs (x) | 84.5713% | 667 |
| Efficiency ratio | 55.4944% | 5,704 |
| Assets per employee ($millions) | 6.4830% | 1,029 |
| Cash dividends to net income (ytd only)* | 59.1181% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 3,367 |
| Loan loss allowance to noncurrent loans | 142.1737% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 1.1317% | 2,690 |
| Noncurrent loans to loans | 0.9543% | 3,175 |
| Net loans and leases to total assets | 65.8414% | 2,896 |
| Net loans and leases to deposits | 80.7988% | 2,573 |
| Net loans and leases to core deposits | 91.9584% | 2,043 |
| Total domestic deposits to total assets | 81.4880% | 4,666 |
| Equity capital to assets | 10.3649% | 3,718 |
| Core capital (leverage) ratio | 9.5522% | 4,301 |
| Tier 1 risk-based capital ratio | 14.0065% | 4,209 |
| Total risk-based capital ratio | 15.2574% | 4,147 |
| Memoranda: | ||
| Average total assets | $261,920,500 | 2,432 |
| Average earning assets | $241,849,750 | 2,425 |
| Average equity | $26,297,750 | 2,550 |
| Average total loans | $175,368,500 | 2,289 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 4,091 |
| Cost of funding earning assets | 0.6525% | 1,494 |
| Net interest margin | 3.2600% | 4,738 |
| Noninterest income to average assets | 0.3799% | 4,406 |
| Noninterest expense to average assets | 2.0351% | 5,764 |
| Loan and lease loss provision to assets | 0.1151% | 2,114 |
| Net operating income to assets | 1.1703% | 1,686 |
| Return on assets (ROA) | 1.1703% | 1,752 |
| Pretax return on assets | 1.2316% | 2,532 |
| Return on Equity (ROE) | 11.7850% | 1,486 |
| Retained earnings to average equity (ytd only) | 1.1515% | 5,293 |
| Net charge-offs to loans | 0.0595% | 3,123 |
| Credit loss provision to net charge-offs | 288.4615% | 886 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 1,176 |
| Efficiency ratio | 59.7912% | 5,321 |
| Assets per employee ($millions) | 6.3727% | 1,078 |
| Cash dividends to net income (ytd only)* | 90.2295% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 3,585 |
| Loan loss allowance to noncurrent loans | 83.4613% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 2.0706% | 1,523 |
| Noncurrent loans to loans | 1.6176% | 2,149 |
| Net loans and leases to total assets | 65.3010% | 2,862 |
| Net loans and leases to deposits | 79.6624% | 2,564 |
| Net loans and leases to core deposits | 87.5651% | 2,359 |
| Total domestic deposits to total assets | 81.9722% | 4,661 |
| Equity capital to assets | 9.9565% | 4,169 |
| Core capital (leverage) ratio | 9.2808% | 4,623 |
| Tier 1 risk-based capital ratio | 13.3568% | 4,686 |
| Total risk-based capital ratio | 14.6080% | 4,623 |
| Memoranda: | ||
| Average total assets | $260,627,000 | 2,453 |
| Average earning assets | $240,000,670 | 2,443 |
| Average equity | $25,880,330 | 2,578 |
| Average total loans | $174,686,670 | 2,297 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9334% | 3,952 |
| Cost of funding earning assets | 0.6522% | 1,569 |
| Net interest margin | 3.2812% | 4,616 |
| Noninterest income to average assets | 0.3936% | 4,242 |
| Noninterest expense to average assets | 1.9976% | 5,891 |
| Loan and lease loss provision to assets | 0.1556% | 1,557 |
| Net operating income to assets | 1.2197% | 1,423 |
| Return on assets (ROA) | 1.2197% | 1,481 |
| Pretax return on assets | 1.2617% | 2,241 |
| Return on Equity (ROE) | 12.3000% | 1,344 |
| Retained earnings to average equity (ytd only) | 0.5334% | 5,367 |
| Net charge-offs to loans | 0.1545% | 1,792 |
| Credit loss provision to net charge-offs | 149.2537% | 1,266 |
| Earnings coverage of net charge-offs (x) | 13.5970% | 1,662 |
| Efficiency ratio | 58.0866% | 5,636 |
| Assets per employee ($millions) | 6.2634% | 1,142 |
| Cash dividends to net income (ytd only)* | 95.6633% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 3,896 |
| Loan loss allowance to noncurrent loans | 131.3947% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 1.7979% | 1,953 |
| Noncurrent loans to loans | 1.0208% | 3,383 |
| Net loans and leases to total assets | 66.6539% | 2,451 |
| Net loans and leases to deposits | 81.1713% | 2,142 |
| Net loans and leases to core deposits | 87.2130% | 2,174 |
| Total domestic deposits to total assets | 82.1151% | 4,907 |
| Equity capital to assets | 10.1095% | 3,711 |
| Core capital (leverage) ratio | 9.5117% | 4,264 |
| Tier 1 risk-based capital ratio | 13.6646% | 4,565 |
| Total risk-based capital ratio | 14.9158% | 4,517 |
| Memoranda: | ||
| Average total assets | $257,114,000 | 2,487 |
| Average earning assets | $236,742,000 | 2,481 |
| Average equity | $25,496,000 | 2,598 |
| Average total loans | $173,444,000 | 2,305 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 3,511 |
| Cost of funding earning assets | 0.6947% | 1,856 |
| Net interest margin | 3.4622% | 4,052 |
| Noninterest income to average assets | 0.5196% | 3,639 |
| Noninterest expense to average assets | 2.0973% | 5,836 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.5176% | 789 |
| Return on assets (ROA) | 1.5872% | 730 |
| Pretax return on assets | 1.6628% | 1,028 |
| Return on Equity (ROE) | 15.2017% | 727 |
| Retained earnings to average equity (ytd only) | 1.8535% | 4,918 |
| Net charge-offs to loans | 0.1015% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 23.3450% | 1,412 |
| Efficiency ratio | 56.5180% | 5,892 |
| Assets per employee ($millions) | 6.1293% | 1,185 |
| Cash dividends to net income (ytd only)* | 87.8073% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 4,023 |
| Loan loss allowance to noncurrent loans | 121.6331% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.9120% | 1,889 |
| Noncurrent loans to loans | 1.0877% | 3,360 |
| Net loans and leases to total assets | 66.4651% | 2,621 |
| Net loans and leases to deposits | 79.1577% | 2,569 |
| Net loans and leases to core deposits | 86.2944% | 2,408 |
| Total domestic deposits to total assets | 83.9653% | 4,182 |
| Equity capital to assets | 9.7234% | 4,143 |
| Core capital (leverage) ratio | 9.5036% | 4,260 |
| Tier 1 risk-based capital ratio | 13.6572% | 4,546 |
| Total risk-based capital ratio | 14.9077% | 4,494 |
| Memoranda: | ||
| Average total assets | $251,135,800 | 2,520 |
| Average earning assets | $229,741,400 | 2,513 |
| Average equity | $26,220,800 | 2,525 |
| Average total loans | $168,441,600 | 2,321 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 3,414 |
| Cost of funding earning assets | 0.6997% | 1,949 |
| Net interest margin | 3.4932% | 3,910 |
| Noninterest income to average assets | 0.5679% | 3,346 |
| Noninterest expense to average assets | 2.1338% | 5,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5432% | 834 |
| Return on assets (ROA) | 1.6199% | 763 |
| Pretax return on assets | 1.7048% | 1,082 |
| Return on Equity (ROE) | 15.2445% | 764 |
| Retained earnings to average equity (ytd only) | -0.4173% | 6,025 |
| Net charge-offs to loans | -0.0295% | 6,161 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4117% | 5,858 |
| Assets per employee ($millions) | 6.3826% | 982 |
| Cash dividends to net income (ytd only)* | 102.7374% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 3,492 |
| Loan loss allowance to noncurrent loans | 116.9159% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 2.1171% | 1,884 |
| Noncurrent loans to loans | 1.2766% | 3,273 |
| Net loans and leases to total assets | 66.3394% | 2,580 |
| Net loans and leases to deposits | 79.4102% | 2,490 |
| Net loans and leases to core deposits | 86.8111% | 2,305 |
| Total domestic deposits to total assets | 83.5401% | 4,362 |
| Equity capital to assets | 10.1723% | 3,673 |
| Core capital (leverage) ratio | 9.5784% | 4,287 |
| Tier 1 risk-based capital ratio | 13.8512% | 4,532 |
| Total risk-based capital ratio | 15.1039% | 4,485 |
| Memoranda: | ||
| Average total assets | $249,562,250 | 2,549 |
| Average earning assets | $227,903,250 | 2,547 |
| Average equity | $26,518,250 | 2,527 |
| Average total loans | $167,203,250 | 2,340 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 3,342 |
| Cost of funding earning assets | 0.7012% | 2,054 |
| Net interest margin | 3.5060% | 3,757 |
| Noninterest income to average assets | 0.3523% | 4,867 |
| Noninterest expense to average assets | 2.1267% | 5,810 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3569% | 1,175 |
| Return on assets (ROA) | 1.4717% | 1,025 |
| Pretax return on assets | 1.5494% | 1,485 |
| Return on Equity (ROE) | 13.6566% | 1,082 |
| Retained earnings to average equity (ytd only) | 0.2080% | 5,793 |
| Net charge-offs to loans | -0.0275% | 6,075 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4369% | 5,552 |
| Assets per employee ($millions) | 6.2770% | 1,029 |
| Cash dividends to net income (ytd only)* | 98.4766% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 3,699 |
| Loan loss allowance to noncurrent loans | 115.3989% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 2.1216% | 2,033 |
| Noncurrent loans to loans | 1.2785% | 3,417 |
| Net loans and leases to total assets | 66.1713% | 2,559 |
| Net loans and leases to deposits | 81.0790% | 2,169 |
| Net loans and leases to core deposits | 84.4398% | 2,502 |
| Total domestic deposits to total assets | 81.6134% | 5,173 |
| Equity capital to assets | 10.1159% | 3,770 |
| Core capital (leverage) ratio | 9.4412% | 4,335 |
| Tier 1 risk-based capital ratio | 13.7218% | 4,629 |
| Total risk-based capital ratio | 14.9744% | 4,592 |
| Memoranda: | ||
| Average total assets | $249,776,330 | 2,553 |
| Average earning assets | $228,181,670 | 2,554 |
| Average equity | $26,917,330 | 2,500 |
| Average total loans | $167,059,670 | 2,340 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2013% | 3,295 |
| Cost of funding earning assets | 0.7255% | 2,021 |
| Net interest margin | 3.4759% | 3,808 |
| Noninterest income to average assets | 0.4062% | 4,412 |
| Noninterest expense to average assets | 2.0231% | 6,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4756% | 900 |
| Return on assets (ROA) | 1.4756% | 981 |
| Pretax return on assets | 1.5526% | 1,419 |
| Return on Equity (ROE) | 13.2820% | 1,103 |
| Retained earnings to average equity (ytd only) | -2.2546% | 6,104 |
| Net charge-offs to loans | -0.0120% | 5,509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1742% | 6,048 |
| Assets per employee ($millions) | 6.3463% | 1,054 |
| Cash dividends to net income (ytd only)* | 116.9750% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 3,898 |
| Loan loss allowance to noncurrent loans | 131.3131% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 2.1175% | 2,219 |
| Noncurrent loans to loans | 1.1275% | 3,899 |
| Net loans and leases to total assets | 66.4046% | 2,299 |
| Net loans and leases to deposits | 78.0968% | 2,324 |
| Net loans and leases to core deposits | 82.3941% | 2,524 |
| Total domestic deposits to total assets | 85.0285% | 4,024 |
| Equity capital to assets | 11.0693% | 2,881 |
| Core capital (leverage) ratio | 9.5385% | 4,015 |
| Tier 1 risk-based capital ratio | 13.7849% | 4,663 |
| Total risk-based capital ratio | 15.0376% | 4,622 |
| Memoranda: | ||
| Average total assets | $249,124,500 | 2,590 |
| Average earning assets | $227,166,500 | 2,593 |
| Average equity | $27,676,500 | 2,472 |
| Average total loans | $166,274,000 | 2,360 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8220% | 2,115 |
| Cost of funding earning assets | 0.9612% | 1,577 |
| Net interest margin | 3.8608% | 2,984 |
| Noninterest income to average assets | 0.4130% | 4,506 |
| Noninterest expense to average assets | 2.2239% | 5,872 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6052% | 751 |
| Return on assets (ROA) | 1.9037% | 475 |
| Pretax return on assets | 1.9897% | 614 |
| Return on Equity (ROE) | 16.2448% | 624 |
| Retained earnings to average equity (ytd only) | 4.5040% | 3,062 |
| Net charge-offs to loans | 0.0267% | 5,525 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 90.0682% | 433 |
| Efficiency ratio | 56.6157% | 5,992 |
| Assets per employee ($millions) | 6.2686% | 1,127 |
| Cash dividends to net income (ytd only)* | 72.2741% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 3,799 |
| Loan loss allowance to noncurrent loans | 169.2995% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 1.9227% | 2,544 |
| Noncurrent loans to loans | 0.8786% | 4,422 |
| Net loans and leases to total assets | 65.1096% | 2,693 |
| Net loans and leases to deposits | 78.1918% | 2,498 |
| Net loans and leases to core deposits | 80.1625% | 2,985 |
| Total domestic deposits to total assets | 83.2691% | 4,615 |
| Equity capital to assets | 11.1492% | 2,789 |
| Core capital (leverage) ratio | 9.8176% | 3,640 |
| Tier 1 risk-based capital ratio | 13.9433% | 4,413 |
| Total risk-based capital ratio | 15.1964% | 4,385 |
| Memoranda: | ||
| Average total assets | $236,070,000 | 2,672 |
| Average earning assets | $213,376,600 | 2,697 |
| Average equity | $27,664,200 | 2,429 |
| Average total loans | $164,552,200 | 2,366 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9793% | 1,744 |
| Cost of funding earning assets | 1.0086% | 1,503 |
| Net interest margin | 3.9707% | 2,620 |
| Noninterest income to average assets | 0.4406% | 4,360 |
| Noninterest expense to average assets | 2.3074% | 5,666 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6485% | 763 |
| Return on assets (ROA) | 1.7923% | 647 |
| Pretax return on assets | 1.8674% | 927 |
| Return on Equity (ROE) | 15.0962% | 883 |
| Retained earnings to average equity (ytd only) | 3.2087% | 4,611 |
| Net charge-offs to loans | -0.0049% | 6,274 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9555% | 5,925 |
| Assets per employee ($millions) | 5.8715% | 1,325 |
| Cash dividends to net income (ytd only)* | 78.7452% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 3,721 |
| Loan loss allowance to noncurrent loans | 170.5085% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 1.9403% | 2,728 |
| Noncurrent loans to loans | 0.9107% | 4,610 |
| Net loans and leases to total assets | 66.2373% | 2,612 |
| Net loans and leases to deposits | 80.4761% | 2,321 |
| Net loans and leases to core deposits | 82.2016% | 2,938 |
| Total domestic deposits to total assets | 82.3067% | 4,917 |
| Equity capital to assets | 11.6230% | 2,621 |
| Core capital (leverage) ratio | 9.9331% | 3,644 |
| Tier 1 risk-based capital ratio | 13.9652% | 4,554 |
| Total risk-based capital ratio | 15.2089% | 4,508 |
| Memoranda: | ||
| Average total assets | $232,401,250 | 2,725 |
| Average earning assets | $209,798,500 | 2,769 |
| Average equity | $27,591,250 | 2,448 |
| Average total loans | $164,259,250 | 2,403 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1212% | 1,450 |
| Cost of funding earning assets | 1.0480% | 1,480 |
| Net interest margin | 4.0732% | 2,194 |
| Noninterest income to average assets | 0.4851% | 4,023 |
| Noninterest expense to average assets | 2.3020% | 5,730 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7869% | 580 |
| Return on assets (ROA) | 1.8630% | 572 |
| Pretax return on assets | 1.9318% | 798 |
| Return on Equity (ROE) | 15.5781% | 837 |
| Retained earnings to average equity (ytd only) | 3.7070% | 4,136 |
| Net charge-offs to loans | -0.0048% | 6,159 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0524% | 6,223 |
| Assets per employee ($millions) | 5.4972% | 1,622 |
| Cash dividends to net income (ytd only)* | 76.2038% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 3,761 |
| Loan loss allowance to noncurrent loans | 175.3664% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 2.1058% | 2,657 |
| Noncurrent loans to loans | 0.8869% | 4,718 |
| Net loans and leases to total assets | 68.8948% | 2,122 |
| Net loans and leases to deposits | 80.0466% | 2,374 |
| Net loans and leases to core deposits | 81.7968% | 2,988 |
| Total domestic deposits to total assets | 86.0683% | 3,323 |
| Equity capital to assets | 12.0320% | 2,127 |
| Core capital (leverage) ratio | 9.8725% | 3,619 |
| Tier 1 risk-based capital ratio | 14.1110% | 4,363 |
| Total risk-based capital ratio | 15.3651% | 4,324 |
| Memoranda: | ||
| Average total assets | $229,625,000 | 2,755 |
| Average earning assets | $206,865,000 | 2,800 |
| Average equity | $27,461,670 | 2,449 |
| Average total loans | $165,023,000 | 2,402 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1726% | 1,375 |
| Cost of funding earning assets | 1.0586% | 1,627 |
| Net interest margin | 4.1140% | 2,044 |
| Noninterest income to average assets | 0.4210% | 4,511 |
| Noninterest expense to average assets | 2.3162% | 5,728 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7726% | 630 |
| Return on assets (ROA) | 1.9284% | 545 |
| Pretax return on assets | 1.9634% | 791 |
| Return on Equity (ROE) | 16.1743% | 779 |
| Retained earnings to average equity (ytd only) | 5.1863% | 3,449 |
| Net charge-offs to loans | -0.0192% | 6,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8287% | 6,139 |
| Assets per employee ($millions) | 5.5364% | 1,665 |
| Cash dividends to net income (ytd only)* | 67.9348% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 4,097 |
| Loan loss allowance to noncurrent loans | 145.1557% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 2.2518% | 2,647 |
| Noncurrent loans to loans | 1.0412% | 4,606 |
| Net loans and leases to total assets | 70.5392% | 1,659 |
| Net loans and leases to deposits | 82.9078% | 1,806 |
| Net loans and leases to core deposits | 84.9368% | 2,416 |
| Total domestic deposits to total assets | 85.0814% | 4,001 |
| Equity capital to assets | 11.7689% | 2,206 |
| Core capital (leverage) ratio | 10.0237% | 3,340 |
| Tier 1 risk-based capital ratio | 13.6118% | 4,743 |
| Total risk-based capital ratio | 14.8646% | 4,726 |
| Memoranda: | ||
| Average total assets | $228,995,500 | 2,777 |
| Average earning assets | $205,929,500 | 2,819 |
| Average equity | $27,302,500 | 2,450 |
| Average total loans | $166,744,500 | 2,400 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5667% | 1,023 |
| Cost of funding earning assets | 1.1557% | 2,314 |
| Net interest margin | 4.4110% | 1,372 |
| Noninterest income to average assets | 0.4897% | 3,926 |
| Noninterest expense to average assets | 2.5680% | 5,206 |
| Loan and lease loss provision to assets | 0.0715% | 5,723 |
| Net operating income to assets | 1.7556% | 502 |
| Return on assets (ROA) | 1.7967% | 500 |
| Pretax return on assets | 1.8441% | 739 |
| Return on Equity (ROE) | 15.0144% | 740 |
| Retained earnings to average equity (ytd only) | 3.7079% | 3,570 |
| Net charge-offs to loans | 0.0771% | 5,552 |
| Credit loss provision to net charge-offs | 124.0310% | 2,532 |
| Earnings coverage of net charge-offs (x) | 32.4961% | 791 |
| Efficiency ratio | 57.4806% | 6,119 |
| Assets per employee ($millions) | 5.3681% | 1,761 |
| Cash dividends to net income (ytd only)* | 75.3047% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 4,010 |
| Loan loss allowance to noncurrent loans | 164.9573% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 2.3849% | 2,541 |
| Noncurrent loans to loans | 0.9111% | 4,867 |
| Net loans and leases to total assets | 72.9342% | 1,469 |
| Net loans and leases to deposits | 86.5879% | 1,596 |
| Net loans and leases to core deposits | 88.6588% | 2,302 |
| Total domestic deposits to total assets | 84.2315% | 4,224 |
| Equity capital to assets | 12.0814% | 2,061 |
| Core capital (leverage) ratio | 10.0052% | 3,337 |
| Tier 1 risk-based capital ratio | 13.3555% | 4,802 |
| Total risk-based capital ratio | 14.6088% | 4,773 |
| Memoranda: | ||
| Average total assets | $223,794,600 | 2,799 |
| Average earning assets | $200,476,200 | 2,845 |
| Average equity | $26,781,000 | 2,412 |
| Average total loans | $167,383,400 | 2,394 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6131% | 1,008 |
| Cost of funding earning assets | 1.1753% | 2,480 |
| Net interest margin | 4.4377% | 1,299 |
| Noninterest income to average assets | 0.5199% | 3,725 |
| Noninterest expense to average assets | 2.5594% | 5,239 |
| Loan and lease loss provision to assets | 0.0776% | 5,470 |
| Net operating income to assets | 1.8114% | 510 |
| Return on assets (ROA) | 1.8664% | 490 |
| Pretax return on assets | 1.9172% | 749 |
| Return on Equity (ROE) | 15.6347% | 728 |
| Retained earnings to average equity (ytd only) | 5.2449% | 3,028 |
| Net charge-offs to loans | 0.0860% | 5,108 |
| Credit loss provision to net charge-offs | 120.3704% | 2,699 |
| Earnings coverage of net charge-offs (x) | 30.0641% | 934 |
| Efficiency ratio | 56.5627% | 6,199 |
| Assets per employee ($millions) | 5.3099% | 1,803 |
| Cash dividends to net income (ytd only)* | 66.4535% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 4,095 |
| Loan loss allowance to noncurrent loans | 130.6848% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 2.7585% | 2,359 |
| Noncurrent loans to loans | 1.1478% | 4,621 |
| Net loans and leases to total assets | 73.6091% | 1,392 |
| Net loans and leases to deposits | 92.3067% | 988 |
| Net loans and leases to core deposits | 94.2376% | 1,772 |
| Total domestic deposits to total assets | 79.7441% | 5,815 |
| Equity capital to assets | 12.3072% | 2,022 |
| Core capital (leverage) ratio | 10.2471% | 3,132 |
| Tier 1 risk-based capital ratio | 13.3931% | 4,813 |
| Total risk-based capital ratio | 14.6463% | 4,779 |
| Memoranda: | ||
| Average total assets | $223,377,750 | 2,812 |
| Average earning assets | $200,218,750 | 2,857 |
| Average equity | $26,666,500 | 2,428 |
| Average total loans | $167,492,250 | 2,412 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6462% | 974 |
| Cost of funding earning assets | 1.1989% | 2,592 |
| Net interest margin | 4.4473% | 1,249 |
| Noninterest income to average assets | 0.5843% | 3,234 |
| Noninterest expense to average assets | 2.6067% | 5,155 |
| Loan and lease loss provision to assets | 0.1163% | 4,823 |
| Net operating income to assets | 1.8031% | 502 |
| Return on assets (ROA) | 1.8031% | 537 |
| Pretax return on assets | 1.8515% | 787 |
| Return on Equity (ROE) | 15.2615% | 752 |
| Retained earnings to average equity (ytd only) | 5.3926% | 2,740 |
| Net charge-offs to loans | 0.0632% | 5,013 |
| Credit loss provision to net charge-offs | 245.2830% | 1,236 |
| Earnings coverage of net charge-offs (x) | 41.4906% | 725 |
| Efficiency ratio | 56.6510% | 6,340 |
| Assets per employee ($millions) | 5.2614% | 1,808 |
| Cash dividends to net income (ytd only)* | 64.6650% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 4,012 |
| Loan loss allowance to noncurrent loans | 137.2180% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 2.8048% | 2,390 |
| Noncurrent loans to loans | 1.1110% | 4,814 |
| Net loans and leases to total assets | 74.6867% | 1,287 |
| Net loans and leases to deposits | 91.7190% | 1,090 |
| Net loans and leases to core deposits | 93.6828% | 1,937 |
| Total domestic deposits to total assets | 81.4299% | 5,377 |
| Equity capital to assets | 12.2410% | 1,940 |
| Core capital (leverage) ratio | 9.8761% | 3,418 |
| Tier 1 risk-based capital ratio | 13.1526% | 4,802 |
| Total risk-based capital ratio | 14.4064% | 4,778 |
| Memoranda: | ||
| Average total assets | $223,498,330 | 2,821 |
| Average earning assets | $200,524,670 | 2,866 |
| Average equity | $26,406,330 | 2,433 |
| Average total loans | $167,769,670 | 2,436 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5961% | 1,061 |
| Cost of funding earning assets | 1.2114% | 2,739 |
| Net interest margin | 4.3847% | 1,324 |
| Noninterest income to average assets | 0.6282% | 2,973 |
| Noninterest expense to average assets | 2.6838% | 4,898 |
| Loan and lease loss provision to assets | 0.2314% | 3,338 |
| Net operating income to assets | 1.5608% | 758 |
| Return on assets (ROA) | 1.5608% | 797 |
| Pretax return on assets | 1.6427% | 1,096 |
| Return on Equity (ROE) | 13.4486% | 1,102 |
| Retained earnings to average equity (ytd only) | 5.3518% | 2,968 |
| Net charge-offs to loans | 0.3598% | 2,622 |
| Credit loss provision to net charge-offs | 86.0927% | 3,018 |
| Earnings coverage of net charge-offs (x) | 6.9735% | 2,021 |
| Efficiency ratio | 58.5318% | 6,203 |
| Assets per employee ($millions) | 5.4807% | 1,593 |
| Cash dividends to net income (ytd only)* | 60.2052% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 4,423 |
| Loan loss allowance to noncurrent loans | 99.5543% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 2.9990% | 2,300 |
| Noncurrent loans to loans | 1.4599% | 4,275 |
| Net loans and leases to total assets | 74.1360% | 1,322 |
| Net loans and leases to deposits | 91.6287% | 1,051 |
| Net loans and leases to core deposits | 93.3581% | 1,968 |
| Total domestic deposits to total assets | 80.9092% | 5,690 |
| Equity capital to assets | 11.6844% | 2,133 |
| Core capital (leverage) ratio | 9.7184% | 3,498 |
| Tier 1 risk-based capital ratio | 12.7230% | 5,037 |
| Total risk-based capital ratio | 13.9754% | 5,012 |
| Memoranda: | ||
| Average total assets | $224,758,000 | 2,823 |
| Average earning assets | $201,427,500 | 2,872 |
| Average equity | $26,084,500 | 2,446 |
| Average total loans | $167,856,000 | 2,460 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7870% | 1,304 |
| Cost of funding earning assets | 1.3953% | 3,302 |
| Net interest margin | 4.3917% | 1,505 |
| Noninterest income to average assets | 0.4289% | 4,682 |
| Noninterest expense to average assets | 2.6531% | 5,201 |
| Loan and lease loss provision to assets | 0.3038% | 4,376 |
| Net operating income to assets | 1.3144% | 1,133 |
| Return on assets (ROA) | 1.4558% | 908 |
| Pretax return on assets | 1.5320% | 1,295 |
| Return on Equity (ROE) | 12.6297% | 1,187 |
| Retained earnings to average equity (ytd only) | 1.9712% | 4,483 |
| Net charge-offs to loans | 0.4783% | 3,708 |
| Credit loss provision to net charge-offs | 86.4662% | 5,261 |
| Earnings coverage of net charge-offs (x) | 4.8008% | 2,799 |
| Efficiency ratio | 60.7853% | 5,928 |
| Assets per employee ($millions) | 5.4831% | 1,596 |
| Cash dividends to net income (ytd only)* | 84.3920% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 4,080 |
| Loan loss allowance to noncurrent loans | 99.9194% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 3.5101% | 1,972 |
| Noncurrent loans to loans | 1.4880% | 4,245 |
| Net loans and leases to total assets | 73.0345% | 1,863 |
| Net loans and leases to deposits | 91.3769% | 1,341 |
| Net loans and leases to core deposits | 93.1166% | 2,368 |
| Total domestic deposits to total assets | 79.9267% | 5,857 |
| Equity capital to assets | 11.5268% | 2,239 |
| Core capital (leverage) ratio | 9.4201% | 3,816 |
| Tier 1 risk-based capital ratio | 12.5725% | 4,958 |
| Total risk-based capital ratio | 13.8250% | 4,946 |
| Memoranda: | ||
| Average total assets | $227,093,000 | 2,790 |
| Average earning assets | $202,246,600 | 2,845 |
| Average equity | $26,176,400 | 2,443 |
| Average total loans | $166,855,400 | 2,520 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8162% | 1,350 |
| Cost of funding earning assets | 1.4284% | 3,399 |
| Net interest margin | 4.3878% | 1,555 |
| Noninterest income to average assets | 0.3239% | 5,566 |
| Noninterest expense to average assets | 2.4702% | 5,820 |
| Loan and lease loss provision to assets | 0.3280% | 3,967 |
| Net operating income to assets | 1.3569% | 1,203 |
| Return on assets (ROA) | 1.5449% | 919 |
| Pretax return on assets | 1.6257% | 1,281 |
| Return on Equity (ROE) | 13.4030% | 1,161 |
| Retained earnings to average equity (ytd only) | 3.1653% | 4,212 |
| Net charge-offs to loans | 0.5600% | 3,075 |
| Credit loss provision to net charge-offs | 79.8859% | 5,138 |
| Earnings coverage of net charge-offs (x) | 4.2768% | 3,124 |
| Efficiency ratio | 58.0931% | 6,258 |
| Assets per employee ($millions) | 5.4178% | 1,702 |
| Cash dividends to net income (ytd only)* | 76.3835% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 4,078 |
| Loan loss allowance to noncurrent loans | 75.5096% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 4.6356% | 1,448 |
| Noncurrent loans to loans | 1.9528% | 3,743 |
| Net loans and leases to total assets | 73.5466% | 1,897 |
| Net loans and leases to deposits | 95.7513% | 1,011 |
| Net loans and leases to core deposits | 97.6311% | 2,083 |
| Total domestic deposits to total assets | 76.8100% | 6,524 |
| Equity capital to assets | 12.0353% | 2,138 |
| Core capital (leverage) ratio | 9.6311% | 3,710 |
| Tier 1 risk-based capital ratio | 12.6821% | 4,830 |
| Total risk-based capital ratio | 13.9349% | 4,809 |
| Memoranda: | ||
| Average total assets | $227,664,750 | 2,821 |
| Average earning assets | $202,465,500 | 2,886 |
| Average equity | $26,242,250 | 2,477 |
| Average total loans | $166,903,250 | 2,561 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7760% | 1,498 |
| Cost of funding earning assets | 1.4572% | 3,515 |
| Net interest margin | 4.3188% | 1,709 |
| Noninterest income to average assets | 0.4627% | 4,416 |
| Noninterest expense to average assets | 2.5097% | 5,689 |
| Loan and lease loss provision to assets | 0.4880% | 2,855 |
| Net operating income to assets | 1.2452% | 1,437 |
| Return on assets (ROA) | 1.4431% | 1,074 |
| Pretax return on assets | 1.5189% | 1,505 |
| Return on Equity (ROE) | 12.7002% | 1,314 |
| Retained earnings to average equity (ytd only) | 2.1550% | 4,774 |
| Net charge-offs to loans | 0.7868% | 2,277 |
| Credit loss provision to net charge-offs | 85.1064% | 4,565 |
| Earnings coverage of net charge-offs (x) | 3.1368% | 3,436 |
| Efficiency ratio | 57.9086% | 6,390 |
| Assets per employee ($millions) | 5.5127% | 1,608 |
| Cash dividends to net income (ytd only)* | 83.0314% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 3,842 |
| Loan loss allowance to noncurrent loans | 70.6818% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 4.5470% | 1,452 |
| Noncurrent loans to loans | 2.1430% | 3,536 |
| Net loans and leases to total assets | 71.5727% | 2,522 |
| Net loans and leases to deposits | 91.8302% | 1,563 |
| Net loans and leases to core deposits | 93.1913% | 2,823 |
| Total domestic deposits to total assets | 77.9404% | 6,284 |
| Equity capital to assets | 11.6760% | 2,298 |
| Core capital (leverage) ratio | 9.1621% | 4,358 |
| Tier 1 risk-based capital ratio | 12.4889% | 4,873 |
| Total risk-based capital ratio | 13.7422% | 4,846 |
| Memoranda: | ||
| Average total assets | $229,509,670 | 2,820 |
| Average earning assets | $204,362,670 | 2,882 |
| Average equity | $26,078,330 | 2,486 |
| Average total loans | $167,266,330 | 2,595 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8088% | 1,428 |
| Cost of funding earning assets | 1.4885% | 3,628 |
| Net interest margin | 4.3203% | 1,629 |
| Noninterest income to average assets | 0.4687% | 4,308 |
| Noninterest expense to average assets | 2.4683% | 5,842 |
| Loan and lease loss provision to assets | 0.6919% | 1,840 |
| Net operating income to assets | 1.1069% | 1,810 |
| Return on assets (ROA) | 1.4996% | 964 |
| Pretax return on assets | 1.5775% | 1,321 |
| Return on Equity (ROE) | 13.3783% | 1,174 |
| Retained earnings to average equity (ytd only) | 2.9627% | 4,348 |
| Net charge-offs to loans | 1.3201% | 1,297 |
| Credit loss provision to net charge-offs | 71.8133% | 4,063 |
| Earnings coverage of net charge-offs (x) | 1.9264% | 3,578 |
| Efficiency ratio | 56.7200% | 6,666 |
| Assets per employee ($millions) | 5.6567% | 1,537 |
| Cash dividends to net income (ytd only)* | 77.8547% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 4,200 |
| Loan loss allowance to noncurrent loans | 44.5688% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 4.8028% | 1,372 |
| Noncurrent loans to loans | 3.2348% | 2,473 |
| Net loans and leases to total assets | 71.5961% | 2,549 |
| Net loans and leases to deposits | 89.4811% | 1,989 |
| Net loans and leases to core deposits | 90.7347% | 3,266 |
| Total domestic deposits to total assets | 80.0126% | 5,786 |
| Equity capital to assets | 11.1674% | 2,619 |
| Core capital (leverage) ratio | 9.2045% | 4,217 |
| Tier 1 risk-based capital ratio | 12.1770% | 5,013 |
| Total risk-based capital ratio | 13.4291% | 4,982 |
| Memoranda: | ||
| Average total assets | $231,255,000 | 2,862 |
| Average earning assets | $206,375,500 | 2,917 |
| Average equity | $25,922,500 | 2,519 |
| Average total loans | $168,771,500 | 2,634 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9972% | 1,883 |
| Cost of funding earning assets | 1.9162% | 3,376 |
| Net interest margin | 4.0811% | 2,527 |
| Noninterest income to average assets | 0.4119% | 5,111 |
| Noninterest expense to average assets | 1.9737% | 7,402 |
| Loan and lease loss provision to assets | 0.9667% | 2,335 |
| Net operating income to assets | 1.1680% | 1,336 |
| Return on assets (ROA) | 1.1754% | 1,356 |
| Pretax return on assets | 1.2244% | 1,892 |
| Return on Equity (ROE) | 10.7247% | 1,497 |
| Retained earnings to average equity (ytd only) | 1.8415% | 3,806 |
| Net charge-offs to loans | 1.2316% | 2,004 |
| Credit loss provision to net charge-offs | 104.3966% | 5,297 |
| Earnings coverage of net charge-offs (x) | 2.3578% | 3,959 |
| Efficiency ratio | 47.1244% | 7,661 |
| Assets per employee ($millions) | 5.6240% | 1,535 |
| Cash dividends to net income (ytd only)* | 82.8298% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 3,578 |
| Loan loss allowance to noncurrent loans | 43.8454% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 4.7961% | 1,310 |
| Noncurrent loans to loans | 3.4886% | 2,177 |
| Net loans and leases to total assets | 72.1984% | 2,705 |
| Net loans and leases to deposits | 89.8463% | 2,237 |
| Net loans and leases to core deposits | 99.8710% | 4,013 |
| Total domestic deposits to total assets | 80.3577% | 5,563 |
| Equity capital to assets | 11.2519% | 2,496 |
| Core capital (leverage) ratio | 9.0051% | 4,411 |
| Tier 1 risk-based capital ratio | 12.0008% | 4,944 |
| Total risk-based capital ratio | 13.2540% | 4,898 |
| Memoranda: | ||
| Average total assets | $230,890,400 | 2,810 |
| Average earning assets | $211,881,200 | 2,813 |
| Average equity | $25,306,000 | 2,580 |
| Average total loans | $173,601,200 | 2,588 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9687% | 2,159 |
| Cost of funding earning assets | 1.9745% | 3,491 |
| Net interest margin | 3.9941% | 2,848 |
| Noninterest income to average assets | 0.4006% | 5,279 |
| Noninterest expense to average assets | 1.9136% | 7,524 |
| Loan and lease loss provision to assets | 1.1372% | 1,713 |
| Net operating income to assets | 0.9929% | 2,087 |
| Return on assets (ROA) | 0.9929% | 2,146 |
| Pretax return on assets | 1.0374% | 2,784 |
| Return on Equity (ROE) | 9.1198% | 2,223 |
| Retained earnings to average equity (ytd only) | 0.1166% | 5,152 |
| Net charge-offs to loans | 1.0026% | 1,964 |
| Credit loss provision to net charge-offs | 149.9239% | 3,207 |
| Earnings coverage of net charge-offs (x) | 2.8668% | 3,789 |
| Efficiency ratio | 46.4417% | 7,752 |
| Assets per employee ($millions) | 5.6373% | 1,485 |
| Cash dividends to net income (ytd only)* | 98.7206% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8074% | 2,256 |
| Loan loss allowance to noncurrent loans | 32.7473% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 4.9885% | 1,176 |
| Noncurrent loans to loans | 5.5192% | 1,133 |
| Net loans and leases to total assets | 73.9960% | 2,521 |
| Net loans and leases to deposits | 97.0080% | 1,441 |
| Net loans and leases to core deposits | 108.6748% | 3,389 |
| Total domestic deposits to total assets | 76.2783% | 6,537 |
| Equity capital to assets | 11.0267% | 2,982 |
| Core capital (leverage) ratio | 8.8571% | 4,886 |
| Tier 1 risk-based capital ratio | 11.9073% | 5,055 |
| Total risk-based capital ratio | 13.1648% | 4,986 |
| Memoranda: | ||
| Average total assets | $230,967,000 | 2,833 |
| Average earning assets | $213,242,000 | 2,808 |
| Average equity | $25,146,250 | 2,620 |
| Average total loans | $174,735,500 | 2,610 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9940% | 2,204 |
| Cost of funding earning assets | 2.0753% | 3,391 |
| Net interest margin | 3.9188% | 3,023 |
| Noninterest income to average assets | 0.3118% | 6,014 |
| Noninterest expense to average assets | 1.5703% | 7,930 |
| Loan and lease loss provision to assets | 1.2299% | 1,399 |
| Net operating income to assets | 1.1060% | 1,754 |
| Return on assets (ROA) | 1.1060% | 1,832 |
| Pretax return on assets | 1.1424% | 2,490 |
| Return on Equity (ROE) | 10.2025% | 1,945 |
| Retained earnings to average equity (ytd only) | 1.0306% | 4,753 |
| Net charge-offs to loans | 0.7718% | 2,136 |
| Credit loss provision to net charge-offs | 210.3704% | 2,178 |
| Earnings coverage of net charge-offs (x) | 4.0578% | 3,233 |
| Efficiency ratio | 39.4552% | 8,028 |
| Assets per employee ($millions) | 5.9250% | 1,253 |
| Cash dividends to net income (ytd only)* | 89.8982% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8465% | 1,923 |
| Loan loss allowance to noncurrent loans | 29.6049% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 4.8759% | 1,113 |
| Noncurrent loans to loans | 6.2370% | 869 |
| Net loans and leases to total assets | 74.4662% | 2,578 |
| Net loans and leases to deposits | 96.0706% | 1,785 |
| Net loans and leases to core deposits | 107.5813% | 3,655 |
| Total domestic deposits to total assets | 77.5120% | 6,199 |
| Equity capital to assets | 10.9329% | 2,983 |
| Core capital (leverage) ratio | 8.9649% | 4,691 |
| Tier 1 risk-based capital ratio | 11.9537% | 4,958 |
| Total risk-based capital ratio | 13.2122% | 4,871 |
| Memoranda: | ||
| Average total assets | $230,912,670 | 2,851 |
| Average earning assets | $213,945,670 | 2,819 |
| Average equity | $25,033,000 | 2,638 |
| Average total loans | $174,922,330 | 2,639 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0993% | 1,945 |
| Cost of funding earning assets | 2.1210% | 3,555 |
| Net interest margin | 3.9783% | 2,736 |
| Noninterest income to average assets | 0.3033% | 6,012 |
| Noninterest expense to average assets | 1.4781% | 8,001 |
| Loan and lease loss provision to assets | 1.4729% | 854 |
| Net operating income to assets | 0.9531% | 2,504 |
| Return on assets (ROA) | 0.9531% | 2,632 |
| Pretax return on assets | 1.0380% | 3,212 |
| Return on Equity (ROE) | 8.8290% | 2,792 |
| Retained earnings to average equity (ytd only) | -3.1784% | 6,307 |
| Net charge-offs to loans | 0.3709% | 2,605 |
| Credit loss provision to net charge-offs | 524.6914% | 1,051 |
| Earnings coverage of net charge-offs (x) | 8.9444% | 2,124 |
| Efficiency ratio | 36.7072% | 8,102 |
| Assets per employee ($millions) | 6.1700% | 1,110 |
| Cash dividends to net income (ytd only)* | 136.0000% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 1,822 |
| Loan loss allowance to noncurrent loans | 27.2891% | 6,743 |
| Noncurrent assets plus other real estate owned to assets | 5.2499% | 835 |
| Noncurrent loans to loans | 6.6397% | 641 |
| Net loans and leases to total assets | 75.4844% | 2,395 |
| Net loans and leases to deposits | 100.3237% | 1,371 |
| Net loans and leases to core deposits | 113.5309% | 3,053 |
| Total domestic deposits to total assets | 75.2408% | 6,659 |
| Equity capital to assets | 10.9264% | 3,033 |
| Core capital (leverage) ratio | 8.7201% | 5,119 |
| Tier 1 risk-based capital ratio | 11.6812% | 5,224 |
| Total risk-based capital ratio | 12.9348% | 5,139 |
| Memoranda: | ||
| Average total assets | $230,832,000 | 2,867 |
| Average earning assets | $213,862,000 | 2,838 |
| Average equity | $24,918,000 | 2,659 |
| Average total loans | $174,729,000 | 2,657 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5028% | 2,949 |
| Cost of funding earning assets | 2.7564% | 2,894 |
| Net interest margin | 3.7464% | 4,244 |
| Noninterest income to average assets | 0.3693% | 5,747 |
| Noninterest expense to average assets | 1.5731% | 7,987 |
| Loan and lease loss provision to assets | 0.5279% | 2,703 |
| Net operating income to assets | 1.7351% | 627 |
| Return on assets (ROA) | 1.4397% | 1,100 |
| Pretax return on assets | 1.4525% | 1,815 |
| Return on Equity (ROE) | 13.8977% | 1,131 |
| Retained earnings to average equity (ytd only) | 2.6491% | 3,533 |
| Net charge-offs to loans | 0.3776% | 2,950 |
| Credit loss provision to net charge-offs | 191.7702% | 2,559 |
| Earnings coverage of net charge-offs (x) | 8.2671% | 2,912 |
| Efficiency ratio | 40.5264% | 8,120 |
| Assets per employee ($millions) | 6.3074% | 987 |
| Cash dividends to net income (ytd only)* | 80.9382% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 3,019 |
| Loan loss allowance to noncurrent loans | 56.4439% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 1.9132% | 2,562 |
| Noncurrent loans to loans | 2.5380% | 2,142 |
| Net loans and leases to total assets | 73.4712% | 3,238 |
| Net loans and leases to deposits | 97.1330% | 2,268 |
| Net loans and leases to core deposits | 112.1921% | 3,542 |
| Total domestic deposits to total assets | 75.6399% | 6,314 |
| Equity capital to assets | 10.6662% | 3,324 |
| Core capital (leverage) ratio | 8.6607% | 5,263 |
| Tier 1 risk-based capital ratio | 11.8234% | 4,964 |
| Total risk-based capital ratio | 13.0779% | 4,862 |
| Memoranda: | ||
| Average total assets | $233,934,400 | 2,716 |
| Average earning assets | $217,277,000 | 2,685 |
| Average equity | $24,234,200 | 2,711 |
| Average total loans | $170,541,000 | 2,604 |