Home > Frontier Bank > Performance and Condition Ratios
Frontier Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4990% | 3,099 |
| Cost of funding earning assets | 1.2662% | 2,614 |
| Net interest margin | 3.2328% | 2,787 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 1.7583% | 4,056 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.8469% | 571 |
| Return on assets (ROA) | 1.6987% | 701 |
| Pretax return on assets | 1.6987% | 1,068 |
| Return on Equity (ROE) | 22.3000% | 443 |
| Retained earnings to average equity (ytd only) | 2.9675% | 3,284 |
| Net charge-offs to loans | 0.0005% | 2,883 |
| Credit loss provision to net charge-offs | 22,500.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 7,625.0000% | 6 |
| Efficiency ratio | 48.3400% | 4,073 |
| Assets per employee ($millions) | 7.3187% | 1,857 |
| Cash dividends to net income (ytd only)* | 86.6927% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0224% | 358 |
| Loan loss allowance to noncurrent loans | 23,117.6471% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 3,796 |
| Noncurrent loans to loans | 0.0087% | 3,708 |
| Net loans and leases to total assets | 46.4600% | 3,799 |
| Net loans and leases to deposits | 50.9091% | 3,919 |
| Net loans and leases to core deposits | 58.7291% | 3,807 |
| Total domestic deposits to total assets | 91.2500% | 439 |
| Equity capital to assets | 8.3178% | 3,182 |
| Core capital (leverage) ratio | 10.6645% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3883% | 746 |
| Memoranda: | ||
| Average total assets | $407,434,200 | 1,990 |
| Average earning assets | $398,751,800 | 1,912 |
| Average equity | $31,036,400 | 2,220 |
| Average total loans | $185,344,200 | 2,395 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 3,115 |
| Cost of funding earning assets | 1.1166% | 2,695 |
| Net interest margin | 3.2786% | 2,736 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.7248% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8756% | 581 |
| Return on assets (ROA) | 1.6776% | 820 |
| Pretax return on assets | 1.6776% | 1,204 |
| Return on Equity (ROE) | 22.5500% | 518 |
| Retained earnings to average equity (ytd only) | 2.7262% | 3,577 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.7972% | 4,059 |
| Assets per employee ($millions) | 7.3527% | 1,727 |
| Cash dividends to net income (ytd only)* | 87.9078% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0292% | 370 |
| Loan loss allowance to noncurrent loans | 38,310.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 3,853 |
| Noncurrent loans to loans | 0.0053% | 3,774 |
| Net loans and leases to total assets | 45.7400% | 3,842 |
| Net loans and leases to deposits | 49.1716% | 3,968 |
| Net loans and leases to core deposits | 54.9461% | 3,900 |
| Total domestic deposits to total assets | 93.0200% | 298 |
| Equity capital to assets | 6.6889% | 3,759 |
| Core capital (leverage) ratio | 10.5218% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5579% | 752 |
| Memoranda: | ||
| Average total assets | $406,831,500 | 1,990 |
| Average earning assets | $398,206,500 | 1,910 |
| Average equity | $30,273,000 | 2,242 |
| Average total loans | $183,099,250 | 2,416 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 9,173.0000% | 34 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26,441.0000% | 28 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 2.0000% | 4,496 |
| Noninterest income to average assets | 0.0032% | 4,585 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.6549% | 865 |
| Pretax return on assets | 1.6549% | 1,312 |
| Return on Equity (ROE) | 21.5200% | 580 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0005% | 2,437 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,367 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.8523% | 4,555 |
| Cash dividends to net income (ytd only)* | 1.6019% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0105% | 4,521 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 11,519.0000% | 29 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,168,000 | 4,651 |
| Average earning assets | $6,667 | 4,620 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0665% | 3,332 |
| Cost of funding earning assets | 0.6709% | 3,150 |
| Net interest margin | 3.3956% | 2,647 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 1.6396% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1105% | 421 |
| Return on assets (ROA) | 1.5179% | 1,134 |
| Pretax return on assets | 1.5179% | 1,633 |
| Return on Equity (ROE) | 19.8700% | 787 |
| Retained earnings to average equity (ytd only) | -0.6808% | 4,104 |
| Net charge-offs to loans | -0.0022% | 3,444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.6159% | 4,318 |
| Assets per employee ($millions) | 6.6729% | 2,218 |
| Cash dividends to net income (ytd only)* | 103.4260% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0815% | 388 |
| Loan loss allowance to noncurrent loans | 7,268.6275% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 3,729 |
| Noncurrent loans to loans | 0.0286% | 3,556 |
| Net loans and leases to total assets | 44.2900% | 3,850 |
| Net loans and leases to deposits | 48.3006% | 3,951 |
| Net loans and leases to core deposits | 51.5439% | 3,934 |
| Total domestic deposits to total assets | 91.7100% | 590 |
| Equity capital to assets | 8.1541% | 3,135 |
| Core capital (leverage) ratio | 10.6077% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9068% | 751 |
| Memoranda: | ||
| Average total assets | $407,671,000 | 2,015 |
| Average earning assets | $399,454,500 | 1,938 |
| Average equity | $31,141,000 | 2,243 |
| Average total loans | $178,151,000 | 2,474 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4069% | 3,328 |
| Cost of funding earning assets | 0.2610% | 3,237 |
| Net interest margin | 3.1459% | 3,036 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.6980% | 4,186 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | 1.9919% | 302 |
| Return on assets (ROA) | 1.8296% | 392 |
| Pretax return on assets | 1.8296% | 683 |
| Return on Equity (ROE) | 23.6200% | 258 |
| Retained earnings to average equity (ytd only) | 19.8164% | 94 |
| Net charge-offs to loans | 0.0035% | 2,336 |
| Credit loss provision to net charge-offs | -9,250.0000% | 4,714 |
| Earnings coverage of net charge-offs (x) | 1,259.6667% | 139 |
| Efficiency ratio | 47.6302% | 4,263 |
| Assets per employee ($millions) | 7.1464% | 1,863 |
| Cash dividends to net income (ytd only)* | 16.1031% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0235% | 414 |
| Loan loss allowance to noncurrent loans | 3,795.7895% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,612 |
| Noncurrent loans to loans | 0.0533% | 3,369 |
| Net loans and leases to total assets | 41.4100% | 4,010 |
| Net loans and leases to deposits | 44.6320% | 4,093 |
| Net loans and leases to core deposits | 47.2155% | 4,082 |
| Total domestic deposits to total assets | 92.7800% | 452 |
| Equity capital to assets | 7.1575% | 3,577 |
| Core capital (leverage) ratio | 10.2858% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1702% | 700 |
| Memoranda: | ||
| Average total assets | $407,305,800 | 2,003 |
| Average earning assets | $399,277,600 | 1,921 |
| Average equity | $31,549,600 | 2,270 |
| Average total loans | $170,793,200 | 2,449 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2196% | 3,387 |
| Cost of funding earning assets | 0.1964% | 3,321 |
| Net interest margin | 3.0232% | 3,158 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.6793% | 4,188 |
| Loan and lease loss provision to assets | -0.1800% | 4,663 |
| Net operating income to assets | 1.9508% | 311 |
| Return on assets (ROA) | 1.7523% | 457 |
| Pretax return on assets | 1.7523% | 807 |
| Return on Equity (ROE) | 22.1800% | 284 |
| Retained earnings to average equity (ytd only) | 17.1657% | 199 |
| Net charge-offs to loans | 0.0047% | 2,010 |
| Credit loss provision to net charge-offs | -9,250.0000% | 4,757 |
| Earnings coverage of net charge-offs (x) | 892.0000% | 175 |
| Efficiency ratio | 48.5580% | 4,241 |
| Assets per employee ($millions) | 7.0045% | 1,938 |
| Cash dividends to net income (ytd only)* | 22.6159% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0842% | 422 |
| Loan loss allowance to noncurrent loans | 5,302.9412% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,801 |
| Noncurrent loans to loans | 0.0393% | 3,611 |
| Net loans and leases to total assets | 40.3100% | 4,057 |
| Net loans and leases to deposits | 42.8265% | 4,156 |
| Net loans and leases to core deposits | 45.4294% | 4,135 |
| Total domestic deposits to total assets | 94.1300% | 339 |
| Equity capital to assets | 5.8284% | 4,023 |
| Core capital (leverage) ratio | 9.7860% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5480% | 781 |
| Memoranda: | ||
| Average total assets | $403,722,250 | 2,029 |
| Average earning assets | $395,776,250 | 1,944 |
| Average equity | $31,892,250 | 2,280 |
| Average total loans | $168,939,750 | 2,464 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0525% | 3,422 |
| Cost of funding earning assets | 0.1495% | 3,582 |
| Net interest margin | 2.9029% | 3,164 |
| Noninterest income to average assets | 0.4912% | 2,252 |
| Noninterest expense to average assets | 1.7363% | 4,083 |
| Loan and lease loss provision to assets | -0.2787% | 4,716 |
| Net operating income to assets | 1.8809% | 280 |
| Return on assets (ROA) | 1.7519% | 371 |
| Pretax return on assets | 1.7519% | 673 |
| Return on Equity (ROE) | 20.3039% | 288 |
| Retained earnings to average equity (ytd only) | 13.3186% | 429 |
| Net charge-offs to loans | 0.0084% | 1,677 |
| Credit loss provision to net charge-offs | -7,928.5714% | 3,832 |
| Earnings coverage of net charge-offs (x) | 455.7143% | 276 |
| Efficiency ratio | 51.8429% | 4,138 |
| Assets per employee ($millions) | 6.9433% | 1,975 |
| Cash dividends to net income (ytd only)* | 34.4037% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1469% | 411 |
| Loan loss allowance to noncurrent loans | 5,546.1538% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,860 |
| Noncurrent loans to loans | 0.0387% | 3,656 |
| Net loans and leases to total assets | 40.1091% | 4,068 |
| Net loans and leases to deposits | 43.2112% | 4,148 |
| Net loans and leases to core deposits | 46.0194% | 4,123 |
| Total domestic deposits to total assets | 92.8210% | 558 |
| Equity capital to assets | 7.1417% | 3,696 |
| Core capital (leverage) ratio | 9.7463% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2211% | 822 |
| Memoranda: | ||
| Average total assets | $398,207,000 | 2,059 |
| Average earning assets | $390,570,000 | 1,979 |
| Average equity | $34,358,000 | 2,225 |
| Average total loans | $167,580,000 | 2,487 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9130% | 3,499 |
| Cost of funding earning assets | 0.1267% | 3,814 |
| Net interest margin | 2.7862% | 3,182 |
| Noninterest income to average assets | 0.4882% | 2,202 |
| Noninterest expense to average assets | 1.6439% | 4,225 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5776% | 539 |
| Return on assets (ROA) | 1.5776% | 531 |
| Pretax return on assets | 1.5776% | 866 |
| Return on Equity (ROE) | 16.7764% | 449 |
| Retained earnings to average equity (ytd only) | 3.7714% | 3,023 |
| Net charge-offs to loans | -0.0024% | 3,139 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8383% | 4,269 |
| Assets per employee ($millions) | 6.9037% | 2,059 |
| Cash dividends to net income (ytd only)* | 77.5194% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5212% | 282 |
| Loan loss allowance to noncurrent loans | 46,311.1111% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,091 |
| Noncurrent loans to loans | 0.0054% | 3,997 |
| Net loans and leases to total assets | 39.5628% | 4,042 |
| Net loans and leases to deposits | 43.0362% | 4,115 |
| Net loans and leases to core deposits | 45.7719% | 4,082 |
| Total domestic deposits to total assets | 91.9290% | 599 |
| Equity capital to assets | 8.0337% | 3,538 |
| Core capital (leverage) ratio | 9.7459% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6668% | 942 |
| Memoranda: | ||
| Average total assets | $392,484,000 | 2,082 |
| Average earning assets | $385,037,500 | 2,004 |
| Average equity | $36,909,000 | 2,182 |
| Average total loans | $167,413,500 | 2,486 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2826% | 3,263 |
| Cost of funding earning assets | 0.1560% | 3,908 |
| Net interest margin | 3.1267% | 2,815 |
| Noninterest income to average assets | 0.5113% | 2,509 |
| Noninterest expense to average assets | 1.8078% | 4,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7653% | 548 |
| Return on assets (ROA) | 1.9020% | 433 |
| Pretax return on assets | 1.9020% | 721 |
| Return on Equity (ROE) | 17.3172% | 543 |
| Retained earnings to average equity (ytd only) | 6.0139% | 2,355 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4147% | 4,252 |
| Assets per employee ($millions) | 6.6254% | 2,218 |
| Cash dividends to net income (ytd only)* | 65.2723% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4582% | 297 |
| Loan loss allowance to noncurrent loans | 41,670.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,164 |
| Noncurrent loans to loans | 0.0059% | 4,063 |
| Net loans and leases to total assets | 43.7828% | 3,853 |
| Net loans and leases to deposits | 49.1536% | 3,935 |
| Net loans and leases to core deposits | 52.4362% | 3,859 |
| Total domestic deposits to total assets | 89.0734% | 1,473 |
| Equity capital to assets | 10.8818% | 1,874 |
| Core capital (leverage) ratio | 10.0162% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1073% | 876 |
| Memoranda: | ||
| Average total assets | $374,551,000 | 2,093 |
| Average earning assets | $366,778,000 | 2,014 |
| Average equity | $41,138,200 | 2,047 |
| Average total loans | $166,255,000 | 2,500 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3784% | 3,167 |
| Cost of funding earning assets | 0.1614% | 4,003 |
| Net interest margin | 3.2170% | 2,679 |
| Noninterest income to average assets | 0.5204% | 2,537 |
| Noninterest expense to average assets | 1.7646% | 4,231 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9048% | 552 |
| Return on assets (ROA) | 2.0875% | 427 |
| Pretax return on assets | 2.0875% | 688 |
| Return on Equity (ROE) | 18.9615% | 521 |
| Retained earnings to average equity (ytd only) | 8.4309% | 1,899 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9148% | 4,367 |
| Assets per employee ($millions) | 6.7271% | 2,071 |
| Cash dividends to net income (ytd only)* | 55.5366% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4834% | 296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 43.4345% | 3,996 |
| Net loans and leases to deposits | 48.8856% | 4,075 |
| Net loans and leases to core deposits | 51.9545% | 4,041 |
| Total domestic deposits to total assets | 88.8492% | 1,373 |
| Equity capital to assets | 11.1030% | 1,944 |
| Core capital (leverage) ratio | 10.2346% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3004% | 909 |
| Memoranda: | ||
| Average total assets | $373,776,750 | 2,112 |
| Average earning assets | $365,886,000 | 2,039 |
| Average equity | $41,149,000 | 2,070 |
| Average total loans | $165,440,750 | 2,540 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2534% | 3,553 |
| Cost of funding earning assets | 0.1655% | 4,083 |
| Net interest margin | 3.0879% | 3,067 |
| Noninterest income to average assets | 0.4995% | 2,626 |
| Noninterest expense to average assets | 1.7747% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7479% | 801 |
| Return on assets (ROA) | 2.0226% | 494 |
| Pretax return on assets | 2.0226% | 800 |
| Return on Equity (ROE) | 18.4248% | 603 |
| Retained earnings to average equity (ytd only) | 9.3835% | 1,594 |
| Net charge-offs to loans | -0.0024% | 3,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1980% | 4,226 |
| Assets per employee ($millions) | 6.7398% | 1,993 |
| Cash dividends to net income (ytd only)* | 49.0716% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4185% | 304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 45.3777% | 3,950 |
| Net loans and leases to deposits | 51.1281% | 4,038 |
| Net loans and leases to core deposits | 54.6969% | 3,982 |
| Total domestic deposits to total assets | 88.7529% | 1,413 |
| Equity capital to assets | 11.1972% | 1,834 |
| Core capital (leverage) ratio | 10.0943% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8398% | 989 |
| Memoranda: | ||
| Average total assets | $372,796,667 | 2,105 |
| Average earning assets | $364,969,333 | 2,036 |
| Average equity | $40,923,000 | 2,066 |
| Average total loans | $164,657,000 | 2,558 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2163% | 3,654 |
| Cost of funding earning assets | 0.1715% | 4,151 |
| Net interest margin | 3.0447% | 3,147 |
| Noninterest income to average assets | 0.5050% | 2,586 |
| Noninterest expense to average assets | 1.5685% | 4,580 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9184% | 643 |
| Return on assets (ROA) | 2.4662% | 302 |
| Pretax return on assets | 2.4662% | 459 |
| Return on Equity (ROE) | 22.6920% | 353 |
| Retained earnings to average equity (ytd only) | 9.4017% | 1,826 |
| Net charge-offs to loans | -0.0075% | 3,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7990% | 4,537 |
| Assets per employee ($millions) | 6.9586% | 1,828 |
| Cash dividends to net income (ytd only)* | 58.5683% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5558% | 236 |
| Loan loss allowance to noncurrent loans | 15,444.4444% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 4,334 |
| Noncurrent loans to loans | 0.0165% | 4,214 |
| Net loans and leases to total assets | 42.3103% | 4,212 |
| Net loans and leases to deposits | 47.4088% | 4,289 |
| Net loans and leases to core deposits | 50.6072% | 4,264 |
| Total domestic deposits to total assets | 89.2456% | 1,207 |
| Equity capital to assets | 10.7083% | 2,075 |
| Core capital (leverage) ratio | 9.9663% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6424% | 831 |
| Memoranda: | ||
| Average total assets | $373,849,500 | 2,089 |
| Average earning assets | $366,140,500 | 2,021 |
| Average equity | $40,631,000 | 2,060 |
| Average total loans | $160,795,500 | 2,591 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5553% | 3,914 |
| Cost of funding earning assets | 0.3464% | 3,883 |
| Net interest margin | 3.2089% | 3,333 |
| Noninterest income to average assets | 0.5952% | 2,230 |
| Noninterest expense to average assets | 1.8371% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.8869% | 327 |
| Return on assets (ROA) | 2.0379% | 262 |
| Pretax return on assets | 2.0379% | 421 |
| Return on Equity (ROE) | 18.3817% | 309 |
| Retained earnings to average equity (ytd only) | 7.7429% | 1,133 |
| Net charge-offs to loans | -0.0821% | 4,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1232% | 4,580 |
| Assets per employee ($millions) | 7.0176% | 1,575 |
| Cash dividends to net income (ytd only)* | 57.8769% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6301% | 217 |
| Loan loss allowance to noncurrent loans | 138,900.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,486 |
| Noncurrent loans to loans | 0.0019% | 4,406 |
| Net loans and leases to total assets | 41.4769% | 4,382 |
| Net loans and leases to deposits | 46.6571% | 4,440 |
| Net loans and leases to core deposits | 49.8370% | 4,426 |
| Total domestic deposits to total assets | 88.8973% | 1,029 |
| Equity capital to assets | 11.0299% | 2,228 |
| Core capital (leverage) ratio | 9.6449% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6686% | 952 |
| Memoranda: | ||
| Average total assets | $347,606,800 | 2,065 |
| Average earning assets | $338,932,800 | 1,989 |
| Average equity | $38,538,400 | 2,076 |
| Average total loans | $157,174,000 | 2,594 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6614% | 3,894 |
| Cost of funding earning assets | 0.3892% | 3,870 |
| Net interest margin | 3.2722% | 3,272 |
| Noninterest income to average assets | 0.5766% | 2,271 |
| Noninterest expense to average assets | 1.8497% | 4,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.9137% | 360 |
| Return on assets (ROA) | 2.1062% | 256 |
| Pretax return on assets | 2.1062% | 408 |
| Return on Equity (ROE) | 18.9708% | 298 |
| Retained earnings to average equity (ytd only) | 9.3008% | 912 |
| Net charge-offs to loans | -0.1020% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9419% | 4,556 |
| Assets per employee ($millions) | 6.9031% | 1,563 |
| Cash dividends to net income (ytd only)* | 50.9731% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6510% | 198 |
| Loan loss allowance to noncurrent loans | 83,160.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,531 |
| Noncurrent loans to loans | 0.0032% | 4,449 |
| Net loans and leases to total assets | 41.7328% | 4,510 |
| Net loans and leases to deposits | 46.9546% | 4,575 |
| Net loans and leases to core deposits | 50.1190% | 4,577 |
| Total domestic deposits to total assets | 88.8790% | 821 |
| Equity capital to assets | 11.0251% | 2,382 |
| Core capital (leverage) ratio | 9.9733% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0065% | 914 |
| Memoranda: | ||
| Average total assets | $341,524,750 | 2,073 |
| Average earning assets | $332,616,000 | 1,993 |
| Average equity | $37,917,000 | 2,090 |
| Average total loans | $156,859,000 | 2,600 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7783% | 3,921 |
| Cost of funding earning assets | 0.4489% | 3,797 |
| Net interest margin | 3.3294% | 3,312 |
| Noninterest income to average assets | 0.5579% | 2,317 |
| Noninterest expense to average assets | 1.9280% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8692% | 429 |
| Return on assets (ROA) | 2.1649% | 257 |
| Pretax return on assets | 2.1649% | 383 |
| Return on Equity (ROE) | 19.4501% | 271 |
| Retained earnings to average equity (ytd only) | 12.7134% | 386 |
| Net charge-offs to loans | -0.0038% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5687% | 4,468 |
| Assets per employee ($millions) | 6.4891% | 1,789 |
| Cash dividends to net income (ytd only)* | 34.6356% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4981% | 222 |
| Loan loss allowance to noncurrent loans | 322.2488% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 2,863 |
| Noncurrent loans to loans | 0.7752% | 1,948 |
| Net loans and leases to total assets | 45.0103% | 4,402 |
| Net loans and leases to deposits | 50.8295% | 4,501 |
| Net loans and leases to core deposits | 53.8389% | 4,502 |
| Total domestic deposits to total assets | 88.5515% | 924 |
| Equity capital to assets | 11.3389% | 2,096 |
| Core capital (leverage) ratio | 10.1663% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5962% | 961 |
| Memoranda: | ||
| Average total assets | $333,411,000 | 2,077 |
| Average earning assets | $324,382,000 | 2,003 |
| Average equity | $37,110,333 | 2,114 |
| Average total loans | $156,864,000 | 2,593 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 4,137 |
| Cost of funding earning assets | 0.5303% | 3,789 |
| Net interest margin | 3.3173% | 3,552 |
| Noninterest income to average assets | 0.5011% | 2,544 |
| Noninterest expense to average assets | 1.7925% | 4,677 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9353% | 304 |
| Return on assets (ROA) | 2.1187% | 237 |
| Pretax return on assets | 2.1187% | 361 |
| Return on Equity (ROE) | 19.2296% | 202 |
| Retained earnings to average equity (ytd only) | 5.2627% | 2,169 |
| Net charge-offs to loans | -0.0052% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8534% | 4,762 |
| Assets per employee ($millions) | 6.1388% | 1,573 |
| Cash dividends to net income (ytd only)* | 72.6322% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5993% | 215 |
| Loan loss allowance to noncurrent loans | 44,888.8889% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 4,636 |
| Noncurrent loans to loans | 0.0058% | 4,555 |
| Net loans and leases to total assets | 45.6673% | 4,435 |
| Net loans and leases to deposits | 51.4371% | 4,543 |
| Net loans and leases to core deposits | 54.6438% | 4,545 |
| Total domestic deposits to total assets | 88.7829% | 763 |
| Equity capital to assets | 11.0916% | 2,781 |
| Core capital (leverage) ratio | 10.4308% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6515% | 1,037 |
| Memoranda: | ||
| Average total assets | $324,910,000 | 2,071 |
| Average earning assets | $316,044,500 | 1,995 |
| Average equity | $35,799,000 | 2,152 |
| Average total loans | $154,414,500 | 2,596 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 4,043 |
| Cost of funding earning assets | 0.6830% | 3,245 |
| Net interest margin | 3.4155% | 3,698 |
| Noninterest income to average assets | 0.5108% | 2,671 |
| Noninterest expense to average assets | 1.9750% | 4,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8600% | 470 |
| Return on assets (ROA) | 1.8678% | 481 |
| Pretax return on assets | 1.8678% | 799 |
| Return on Equity (ROE) | 17.2428% | 393 |
| Retained earnings to average equity (ytd only) | 1.4456% | 4,225 |
| Net charge-offs to loans | -0.0046% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2460% | 4,655 |
| Assets per employee ($millions) | 5.8949% | 1,718 |
| Cash dividends to net income (ytd only)* | 91.6162% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6322% | 180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 46.9225% | 4,485 |
| Net loans and leases to deposits | 52.7772% | 4,576 |
| Net loans and leases to core deposits | 56.3139% | 4,570 |
| Total domestic deposits to total assets | 88.9067% | 709 |
| Equity capital to assets | 10.9416% | 3,059 |
| Core capital (leverage) ratio | 10.4294% | 3,033 |
| Tier 1 risk-based capital ratio | 17.4517% | 1,909 |
| Total risk-based capital ratio | 18.7132% | 1,859 |
| Memoranda: | ||
| Average total assets | $309,727,400 | 2,108 |
| Average earning assets | $301,447,400 | 2,015 |
| Average equity | $33,550,200 | 2,206 |
| Average total loans | $152,894,400 | 2,590 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1391% | 4,065 |
| Cost of funding earning assets | 0.7130% | 3,144 |
| Net interest margin | 3.4261% | 3,785 |
| Noninterest income to average assets | 0.5033% | 2,709 |
| Noninterest expense to average assets | 1.9554% | 4,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8805% | 519 |
| Return on assets (ROA) | 1.8909% | 523 |
| Pretax return on assets | 1.8909% | 886 |
| Return on Equity (ROE) | 17.5017% | 432 |
| Retained earnings to average equity (ytd only) | 1.8537% | 4,325 |
| Net charge-offs to loans | -0.1143% | 5,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7289% | 4,698 |
| Assets per employee ($millions) | 5.8489% | 1,718 |
| Cash dividends to net income (ytd only)* | 89.4086% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7150% | 172 |
| Loan loss allowance to noncurrent loans | 7,432.1429% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,658 |
| Noncurrent loans to loans | 0.0365% | 4,495 |
| Net loans and leases to total assets | 48.1101% | 4,509 |
| Net loans and leases to deposits | 54.3146% | 4,615 |
| Net loans and leases to core deposits | 57.8382% | 4,616 |
| Total domestic deposits to total assets | 88.5768% | 792 |
| Equity capital to assets | 11.2681% | 2,863 |
| Core capital (leverage) ratio | 10.7407% | 2,898 |
| Tier 1 risk-based capital ratio | 17.5368% | 1,935 |
| Total risk-based capital ratio | 18.7992% | 1,897 |
| Memoranda: | ||
| Average total assets | $307,577,500 | 2,140 |
| Average earning assets | $299,188,250 | 2,041 |
| Average equity | $33,230,250 | 2,242 |
| Average total loans | $152,766,750 | 2,617 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 4,062 |
| Cost of funding earning assets | 0.7201% | 3,048 |
| Net interest margin | 3.4242% | 3,816 |
| Noninterest income to average assets | 0.4844% | 2,759 |
| Noninterest expense to average assets | 1.9806% | 4,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8365% | 554 |
| Return on assets (ROA) | 1.8522% | 560 |
| Pretax return on assets | 1.8522% | 930 |
| Return on Equity (ROE) | 17.3955% | 421 |
| Retained earnings to average equity (ytd only) | 1.1695% | 4,385 |
| Net charge-offs to loans | -0.1730% | 5,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6311% | 4,681 |
| Assets per employee ($millions) | 5.4176% | 2,034 |
| Cash dividends to net income (ytd only)* | 93.2770% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7516% | 165 |
| Loan loss allowance to noncurrent loans | 3,130.0752% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 4,550 |
| Noncurrent loans to loans | 0.0879% | 4,287 |
| Net loans and leases to total assets | 48.4963% | 4,552 |
| Net loans and leases to deposits | 54.7165% | 4,651 |
| Net loans and leases to core deposits | 58.3759% | 4,629 |
| Total domestic deposits to total assets | 88.6319% | 811 |
| Equity capital to assets | 11.2376% | 2,825 |
| Core capital (leverage) ratio | 10.5557% | 3,029 |
| Tier 1 risk-based capital ratio | 17.5751% | 1,916 |
| Total risk-based capital ratio | 18.8375% | 1,868 |
| Memoranda: | ||
| Average total assets | $306,773,000 | 2,143 |
| Average earning assets | $298,580,000 | 2,047 |
| Average equity | $32,663,670 | 2,263 |
| Average total loans | $152,589,330 | 2,635 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 4,079 |
| Cost of funding earning assets | 0.7061% | 3,020 |
| Net interest margin | 3.4117% | 3,859 |
| Noninterest income to average assets | 0.4448% | 2,876 |
| Noninterest expense to average assets | 1.7104% | 5,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0553% | 354 |
| Return on assets (ROA) | 2.0553% | 368 |
| Pretax return on assets | 2.0553% | 579 |
| Return on Equity (ROE) | 19.8441% | 275 |
| Retained earnings to average equity (ytd only) | 4.1942% | 3,241 |
| Net charge-offs to loans | -0.0914% | 5,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1791% | 5,061 |
| Assets per employee ($millions) | 5.5156% | 1,971 |
| Cash dividends to net income (ytd only)* | 78.8644% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7190% | 185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 47.0985% | 4,615 |
| Net loans and leases to deposits | 52.7730% | 4,719 |
| Net loans and leases to core deposits | 56.3606% | 4,696 |
| Total domestic deposits to total assets | 89.2473% | 743 |
| Equity capital to assets | 10.6364% | 3,217 |
| Core capital (leverage) ratio | 10.5061% | 3,042 |
| Tier 1 risk-based capital ratio | 17.7098% | 1,880 |
| Total risk-based capital ratio | 18.9716% | 1,833 |
| Memoranda: | ||
| Average total assets | $308,467,500 | 2,137 |
| Average earning assets | $300,258,000 | 2,049 |
| Average equity | $31,949,000 | 2,299 |
| Average total loans | $153,237,500 | 2,657 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0132% | 3,988 |
| Cost of funding earning assets | 0.5819% | 2,841 |
| Net interest margin | 3.4312% | 3,906 |
| Noninterest income to average assets | 0.4571% | 3,067 |
| Noninterest expense to average assets | 1.9658% | 4,798 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8301% | 518 |
| Return on assets (ROA) | 1.8301% | 512 |
| Pretax return on assets | 1.8301% | 851 |
| Return on Equity (ROE) | 18.0734% | 383 |
| Retained earnings to average equity (ytd only) | 0.4369% | 4,867 |
| Net charge-offs to loans | -0.1195% | 5,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5021% | 4,839 |
| Assets per employee ($millions) | 5.4046% | 2,057 |
| Cash dividends to net income (ytd only)* | 97.5828% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5686% | 213 |
| Loan loss allowance to noncurrent loans | 3,913.5922% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 4,686 |
| Noncurrent loans to loans | 0.0656% | 4,455 |
| Net loans and leases to total assets | 49.6340% | 4,546 |
| Net loans and leases to deposits | 55.2652% | 4,695 |
| Net loans and leases to core deposits | 58.6387% | 4,680 |
| Total domestic deposits to total assets | 89.8105% | 537 |
| Equity capital to assets | 10.0775% | 3,602 |
| Core capital (leverage) ratio | 10.3723% | 3,171 |
| Tier 1 risk-based capital ratio | 16.8515% | 2,118 |
| Total risk-based capital ratio | 18.1123% | 2,062 |
| Memoranda: | ||
| Average total assets | $305,168,200 | 2,124 |
| Average earning assets | $296,948,000 | 2,039 |
| Average equity | $30,901,800 | 2,290 |
| Average total loans | $158,121,400 | 2,547 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 3,967 |
| Cost of funding earning assets | 0.5518% | 2,850 |
| Net interest margin | 3.4339% | 3,909 |
| Noninterest income to average assets | 0.4590% | 3,111 |
| Noninterest expense to average assets | 1.8578% | 4,965 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9423% | 443 |
| Return on assets (ROA) | 1.9423% | 442 |
| Pretax return on assets | 1.9423% | 746 |
| Return on Equity (ROE) | 19.1576% | 325 |
| Retained earnings to average equity (ytd only) | 1.6631% | 4,684 |
| Net charge-offs to loans | -0.0623% | 5,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6113% | 5,023 |
| Assets per employee ($millions) | 5.4021% | 2,018 |
| Cash dividends to net income (ytd only)* | 91.3191% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4738% | 258 |
| Loan loss allowance to noncurrent loans | 2,700.6897% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 4,737 |
| Noncurrent loans to loans | 0.0916% | 4,476 |
| Net loans and leases to total assets | 50.1369% | 4,586 |
| Net loans and leases to deposits | 55.6411% | 4,768 |
| Net loans and leases to core deposits | 58.9291% | 4,743 |
| Total domestic deposits to total assets | 90.1077% | 475 |
| Equity capital to assets | 9.7880% | 3,829 |
| Core capital (leverage) ratio | 10.5606% | 3,017 |
| Tier 1 risk-based capital ratio | 17.0598% | 2,084 |
| Total risk-based capital ratio | 18.3197% | 2,021 |
| Memoranda: | ||
| Average total assets | $304,444,500 | 2,134 |
| Average earning assets | $296,216,250 | 2,053 |
| Average equity | $30,866,000 | 2,290 |
| Average total loans | $158,418,000 | 2,554 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 3,945 |
| Cost of funding earning assets | 0.5113% | 2,918 |
| Net interest margin | 3.4316% | 3,854 |
| Noninterest income to average assets | 0.4537% | 3,127 |
| Noninterest expense to average assets | 1.7963% | 5,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9988% | 382 |
| Return on assets (ROA) | 1.9988% | 379 |
| Pretax return on assets | 1.9988% | 605 |
| Return on Equity (ROE) | 19.4867% | 299 |
| Retained earnings to average equity (ytd only) | 2.4495% | 4,281 |
| Net charge-offs to loans | -0.0164% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0547% | 5,165 |
| Assets per employee ($millions) | 5.3633% | 2,030 |
| Cash dividends to net income (ytd only)* | 87.4299% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4452% | 261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 50.3091% | 4,588 |
| Net loans and leases to deposits | 55.9813% | 4,757 |
| Net loans and leases to core deposits | 59.3223% | 4,735 |
| Total domestic deposits to total assets | 89.8678% | 617 |
| Equity capital to assets | 10.0446% | 3,581 |
| Core capital (leverage) ratio | 10.3863% | 3,151 |
| Tier 1 risk-based capital ratio | 17.2968% | 2,003 |
| Total risk-based capital ratio | 18.5571% | 1,952 |
| Memoranda: | ||
| Average total assets | $303,287,000 | 2,147 |
| Average earning assets | $295,311,670 | 2,068 |
| Average equity | $31,108,330 | 2,281 |
| Average total loans | $158,458,670 | 2,565 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8933% | 3,948 |
| Cost of funding earning assets | 0.4556% | 3,166 |
| Net interest margin | 3.4378% | 3,745 |
| Noninterest income to average assets | 0.4674% | 3,014 |
| Noninterest expense to average assets | 1.7453% | 5,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0697% | 316 |
| Return on assets (ROA) | 2.0697% | 317 |
| Pretax return on assets | 2.0697% | 500 |
| Return on Equity (ROE) | 19.9687% | 249 |
| Retained earnings to average equity (ytd only) | 3.9989% | 3,592 |
| Net charge-offs to loans | -0.0176% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4703% | 5,299 |
| Assets per employee ($millions) | 5.3244% | 2,119 |
| Cash dividends to net income (ytd only)* | 79.9744% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4709% | 261 |
| Loan loss allowance to noncurrent loans | 20,257.8947% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 5,102 |
| Noncurrent loans to loans | 0.0122% | 4,952 |
| Net loans and leases to total assets | 50.0582% | 4,551 |
| Net loans and leases to deposits | 55.7708% | 4,707 |
| Net loans and leases to core deposits | 59.1350% | 4,694 |
| Total domestic deposits to total assets | 89.7569% | 756 |
| Equity capital to assets | 10.1677% | 3,429 |
| Core capital (leverage) ratio | 10.5015% | 2,940 |
| Tier 1 risk-based capital ratio | 17.4796% | 1,982 |
| Total risk-based capital ratio | 18.7399% | 1,935 |
| Memoranda: | ||
| Average total assets | $302,076,500 | 2,178 |
| Average earning assets | $294,143,000 | 2,100 |
| Average equity | $31,309,000 | 2,284 |
| Average total loans | $158,861,000 | 2,584 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 3,386 |
| Cost of funding earning assets | 0.3601% | 3,616 |
| Net interest margin | 3.6460% | 2,998 |
| Noninterest income to average assets | 0.4912% | 3,052 |
| Noninterest expense to average assets | 2.0759% | 4,821 |
| Loan and lease loss provision to assets | 0.0609% | 3,016 |
| Net operating income to assets | 1.8969% | 344 |
| Return on assets (ROA) | 1.9115% | 338 |
| Pretax return on assets | 1.9115% | 591 |
| Return on Equity (ROE) | 17.1324% | 382 |
| Retained earnings to average equity (ytd only) | 4.4960% | 2,454 |
| Net charge-offs to loans | 0.0290% | 3,230 |
| Credit loss provision to net charge-offs | 372.3404% | 802 |
| Earnings coverage of net charge-offs (x) | 119.6596% | 565 |
| Efficiency ratio | 51.1522% | 5,155 |
| Assets per employee ($millions) | 5.0110% | 2,460 |
| Cash dividends to net income (ytd only)* | 73.7571% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3723% | 289 |
| Loan loss allowance to noncurrent loans | 20,221.0526% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 5,155 |
| Noncurrent loans to loans | 0.0117% | 4,982 |
| Net loans and leases to total assets | 52.5870% | 4,478 |
| Net loans and leases to deposits | 58.8468% | 4,651 |
| Net loans and leases to core deposits | 62.5842% | 4,623 |
| Total domestic deposits to total assets | 89.3625% | 844 |
| Equity capital to assets | 10.5634% | 3,092 |
| Core capital (leverage) ratio | 10.5751% | 2,770 |
| Tier 1 risk-based capital ratio | 17.1292% | 2,047 |
| Total risk-based capital ratio | 18.3895% | 2,001 |
| Memoranda: | ||
| Average total assets | $287,254,000 | 2,243 |
| Average earning assets | $279,100,200 | 2,160 |
| Average equity | $32,050,400 | 2,216 |
| Average total loans | $162,310,800 | 2,516 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0064% | 3,334 |
| Cost of funding earning assets | 0.3458% | 3,713 |
| Net interest margin | 3.6606% | 2,917 |
| Noninterest income to average assets | 0.4833% | 3,128 |
| Noninterest expense to average assets | 1.9753% | 5,008 |
| Loan and lease loss provision to assets | 0.0822% | 2,449 |
| Net operating income to assets | 1.9804% | 328 |
| Return on assets (ROA) | 1.9959% | 322 |
| Pretax return on assets | 1.9959% | 558 |
| Return on Equity (ROE) | 17.6401% | 362 |
| Retained earnings to average equity (ytd only) | 6.6410% | 1,883 |
| Net charge-offs to loans | -0.0123% | 4,689 |
| Credit loss provision to net charge-offs | -1,166.6667% | 4,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6043% | 5,314 |
| Assets per employee ($millions) | 4.9535% | 2,510 |
| Cash dividends to net income (ytd only)* | 62.3530% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3296% | 332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 56.0052% | 4,234 |
| Net loans and leases to deposits | 63.1712% | 4,436 |
| Net loans and leases to core deposits | 66.8342% | 4,436 |
| Total domestic deposits to total assets | 88.6562% | 1,036 |
| Equity capital to assets | 11.2750% | 2,595 |
| Core capital (leverage) ratio | 11.2589% | 2,216 |
| Tier 1 risk-based capital ratio | 16.7925% | 2,222 |
| Total risk-based capital ratio | 18.0525% | 2,178 |
| Memoranda: | ||
| Average total assets | $283,902,000 | 2,275 |
| Average earning assets | $275,684,250 | 2,194 |
| Average equity | $32,123,000 | 2,229 |
| Average total loans | $162,400,750 | 2,530 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 3,335 |
| Cost of funding earning assets | 0.3312% | 3,778 |
| Net interest margin | 3.6324% | 2,902 |
| Noninterest income to average assets | 0.4888% | 3,094 |
| Noninterest expense to average assets | 2.0234% | 4,923 |
| Loan and lease loss provision to assets | 0.0356% | 3,292 |
| Net operating income to assets | 1.9572% | 331 |
| Return on assets (ROA) | 1.9807% | 325 |
| Pretax return on assets | 1.9807% | 547 |
| Return on Equity (ROE) | 17.4838% | 372 |
| Retained earnings to average equity (ytd only) | 9.6337% | 664 |
| Net charge-offs to loans | -0.0124% | 4,605 |
| Credit loss provision to net charge-offs | -500.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0620% | 5,303 |
| Assets per employee ($millions) | 4.9379% | 2,465 |
| Cash dividends to net income (ytd only)* | 44.8994% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3249% | 363 |
| Loan loss allowance to noncurrent loans | 2,007.4468% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 4,835 |
| Noncurrent loans to loans | 0.1158% | 4,656 |
| Net loans and leases to total assets | 55.3623% | 4,282 |
| Net loans and leases to deposits | 62.6804% | 4,456 |
| Net loans and leases to core deposits | 66.1280% | 4,461 |
| Total domestic deposits to total assets | 88.3247% | 1,291 |
| Equity capital to assets | 11.5905% | 2,239 |
| Core capital (leverage) ratio | 11.4108% | 2,036 |
| Tier 1 risk-based capital ratio | 17.5891% | 1,978 |
| Total risk-based capital ratio | 18.8492% | 1,930 |
| Memoranda: | ||
| Average total assets | $281,117,000 | 2,306 |
| Average earning assets | $272,987,000 | 2,215 |
| Average equity | $31,846,670 | 2,237 |
| Average total loans | $160,673,330 | 2,555 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 3,194 |
| Cost of funding earning assets | 0.3090% | 3,950 |
| Net interest margin | 3.6455% | 2,713 |
| Noninterest income to average assets | 0.4697% | 3,190 |
| Noninterest expense to average assets | 2.0612% | 4,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9506% | 332 |
| Return on assets (ROA) | 1.9621% | 337 |
| Pretax return on assets | 1.9621% | 545 |
| Return on Equity (ROE) | 17.5283% | 372 |
| Retained earnings to average equity (ytd only) | 10.4708% | 711 |
| Net charge-offs to loans | -0.0100% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0562% | 5,326 |
| Assets per employee ($millions) | 4.7076% | 2,831 |
| Cash dividends to net income (ytd only)* | 40.2635% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3308% | 396 |
| Loan loss allowance to noncurrent loans | 2,009.7297% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 4,916 |
| Noncurrent loans to loans | 0.1160% | 4,732 |
| Net loans and leases to total assets | 55.1579% | 4,242 |
| Net loans and leases to deposits | 62.1948% | 4,421 |
| Net loans and leases to core deposits | 65.2478% | 4,479 |
| Total domestic deposits to total assets | 88.6858% | 1,331 |
| Equity capital to assets | 11.2346% | 2,402 |
| Core capital (leverage) ratio | 11.1524% | 2,231 |
| Tier 1 risk-based capital ratio | 17.2529% | 2,109 |
| Total risk-based capital ratio | 18.5126% | 2,053 |
| Memoranda: | ||
| Average total assets | $278,476,000 | 2,337 |
| Average earning assets | $270,580,000 | 2,245 |
| Average equity | $31,172,500 | 2,283 |
| Average total loans | $159,844,500 | 2,579 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8365% | 3,785 |
| Cost of funding earning assets | 0.2368% | 4,684 |
| Net interest margin | 3.5997% | 3,065 |
| Noninterest income to average assets | 0.5195% | 3,103 |
| Noninterest expense to average assets | 2.1855% | 4,807 |
| Loan and lease loss provision to assets | 0.1455% | 1,714 |
| Net operating income to assets | 1.6828% | 568 |
| Return on assets (ROA) | 1.7126% | 555 |
| Pretax return on assets | 1.7126% | 969 |
| Return on Equity (ROE) | 15.1097% | 613 |
| Retained earnings to average equity (ytd only) | 2.7729% | 3,928 |
| Net charge-offs to loans | -0.0471% | 5,378 |
| Credit loss provision to net charge-offs | -563.3803% | 5,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0874% | 5,236 |
| Assets per employee ($millions) | 4.7327% | 2,739 |
| Cash dividends to net income (ytd only)* | 81.6483% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3187% | 387 |
| Loan loss allowance to noncurrent loans | 1,428.4615% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 4,892 |
| Noncurrent loans to loans | 0.1623% | 4,584 |
| Net loans and leases to total assets | 56.9991% | 4,163 |
| Net loans and leases to deposits | 64.1954% | 4,400 |
| Net loans and leases to core deposits | 67.2919% | 4,446 |
| Total domestic deposits to total assets | 88.7899% | 1,209 |
| Equity capital to assets | 11.1522% | 2,475 |
| Core capital (leverage) ratio | 11.0243% | 2,316 |
| Tier 1 risk-based capital ratio | 17.0376% | 2,146 |
| Total risk-based capital ratio | 18.2981% | 2,092 |
| Memoranda: | ||
| Average total assets | $274,901,800 | 2,320 |
| Average earning assets | $266,857,400 | 2,238 |
| Average equity | $31,158,800 | 2,280 |
| Average total loans | $150,631,000 | 2,635 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 3,954 |
| Cost of funding earning assets | 0.2297% | 4,790 |
| Net interest margin | 3.5586% | 3,238 |
| Noninterest income to average assets | 0.5163% | 3,141 |
| Noninterest expense to average assets | 2.1240% | 4,962 |
| Loan and lease loss provision to assets | 0.1454% | 1,610 |
| Net operating income to assets | 1.7018% | 588 |
| Return on assets (ROA) | 1.8181% | 497 |
| Pretax return on assets | 1.8181% | 869 |
| Return on Equity (ROE) | 15.9764% | 548 |
| Retained earnings to average equity (ytd only) | -0.4005% | 5,426 |
| Net charge-offs to loans | -0.0657% | 5,448 |
| Credit loss provision to net charge-offs | -410.9589% | 5,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1193% | 5,303 |
| Assets per employee ($millions) | 4.7099% | 2,729 |
| Cash dividends to net income (ytd only)* | 102.5067% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2497% | 469 |
| Loan loss allowance to noncurrent loans | 2,916.1290% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 5,294 |
| Noncurrent loans to loans | 0.0771% | 5,039 |
| Net loans and leases to total assets | 56.5392% | 4,250 |
| Net loans and leases to deposits | 63.8115% | 4,504 |
| Net loans and leases to core deposits | 68.1628% | 4,459 |
| Total domestic deposits to total assets | 88.6036% | 1,105 |
| Equity capital to assets | 11.3392% | 2,667 |
| Core capital (leverage) ratio | 10.7460% | 2,735 |
| Tier 1 risk-based capital ratio | 16.2653% | 2,515 |
| Total risk-based capital ratio | 17.5244% | 2,461 |
| Memoranda: | ||
| Average total assets | $275,003,750 | 2,326 |
| Average earning assets | $266,990,750 | 2,240 |
| Average equity | $31,295,500 | 2,284 |
| Average total loans | $148,245,500 | 2,668 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7235% | 4,217 |
| Cost of funding earning assets | 0.2224% | 4,916 |
| Net interest margin | 3.5011% | 3,489 |
| Noninterest income to average assets | 0.5058% | 3,156 |
| Noninterest expense to average assets | 2.1610% | 4,929 |
| Loan and lease loss provision to assets | 0.1460% | 1,570 |
| Net operating income to assets | 1.5997% | 725 |
| Return on assets (ROA) | 1.7749% | 526 |
| Pretax return on assets | 1.7749% | 928 |
| Return on Equity (ROE) | 15.5778% | 598 |
| Retained earnings to average equity (ytd only) | -0.7174% | 5,400 |
| Net charge-offs to loans | -0.0236% | 5,014 |
| Credit loss provision to net charge-offs | -1,176.4706% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9412% | 5,244 |
| Assets per employee ($millions) | 4.4603% | 3,103 |
| Cash dividends to net income (ytd only)* | 104.6053% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2478% | 509 |
| Loan loss allowance to noncurrent loans | 2,661.5385% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 5,374 |
| Noncurrent loans to loans | 0.0845% | 5,112 |
| Net loans and leases to total assets | 55.3042% | 4,380 |
| Net loans and leases to deposits | 63.1486% | 4,556 |
| Net loans and leases to core deposits | 66.2075% | 4,596 |
| Total domestic deposits to total assets | 87.5779% | 1,637 |
| Equity capital to assets | 11.6062% | 2,437 |
| Core capital (leverage) ratio | 10.6310% | 2,815 |
| Tier 1 risk-based capital ratio | 16.7859% | 2,318 |
| Total risk-based capital ratio | 18.0448% | 2,262 |
| Memoranda: | ||
| Average total assets | $274,043,330 | 2,338 |
| Average earning assets | $266,200,670 | 2,259 |
| Average equity | $31,224,000 | 2,293 |
| Average total loans | $144,084,000 | 2,721 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5830% | 4,668 |
| Cost of funding earning assets | 0.2125% | 5,079 |
| Net interest margin | 3.3705% | 3,978 |
| Noninterest income to average assets | 0.5018% | 3,101 |
| Noninterest expense to average assets | 2.1002% | 5,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6769% | 606 |
| Return on assets (ROA) | 1.7148% | 594 |
| Pretax return on assets | 1.7148% | 1,037 |
| Return on Equity (ROE) | 15.1899% | 639 |
| Retained earnings to average equity (ytd only) | -3.4142% | 5,509 |
| Net charge-offs to loans | -0.0057% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2176% | 5,265 |
| Assets per employee ($millions) | 4.7528% | 2,669 |
| Cash dividends to net income (ytd only)* | 122.4767% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3210% | 497 |
| Loan loss allowance to noncurrent loans | 3,212.8713% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 5,491 |
| Noncurrent loans to loans | 0.0722% | 5,190 |
| Net loans and leases to total assets | 48.7008% | 4,909 |
| Net loans and leases to deposits | 54.8558% | 5,049 |
| Net loans and leases to core deposits | 57.1409% | 5,083 |
| Total domestic deposits to total assets | 88.7798% | 1,216 |
| Equity capital to assets | 11.1467% | 2,774 |
| Core capital (leverage) ratio | 10.4042% | 3,067 |
| Tier 1 risk-based capital ratio | 17.7799% | 2,044 |
| Total risk-based capital ratio | 19.0389% | 2,005 |
| Memoranda: | ||
| Average total assets | $275,025,500 | 2,347 |
| Average earning assets | $267,263,500 | 2,257 |
| Average equity | $31,047,000 | 2,299 |
| Average total loans | $139,160,500 | 2,801 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7715% | 4,131 |
| Cost of funding earning assets | 0.1817% | 5,436 |
| Net interest margin | 3.5898% | 3,176 |
| Noninterest income to average assets | 0.4941% | 3,366 |
| Noninterest expense to average assets | 2.1271% | 5,199 |
| Loan and lease loss provision to assets | 0.1658% | 1,385 |
| Net operating income to assets | 1.6887% | 592 |
| Return on assets (ROA) | 1.7601% | 535 |
| Pretax return on assets | 1.7601% | 874 |
| Return on Equity (ROE) | 14.7336% | 731 |
| Retained earnings to average equity (ytd only) | -3.7721% | 5,860 |
| Net charge-offs to loans | 0.3073% | 980 |
| Credit loss provision to net charge-offs | 100.8969% | 2,483 |
| Earnings coverage of net charge-offs (x) | 11.2848% | 2,600 |
| Efficiency ratio | 53.0168% | 5,584 |
| Assets per employee ($millions) | 4.6489% | 2,809 |
| Cash dividends to net income (ytd only)* | 125.6018% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3413% | 489 |
| Loan loss allowance to noncurrent loans | 2,553.5433% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 5,489 |
| Noncurrent loans to loans | 0.0917% | 5,129 |
| Net loans and leases to total assets | 50.1671% | 4,853 |
| Net loans and leases to deposits | 56.6797% | 5,002 |
| Net loans and leases to core deposits | 59.1443% | 5,034 |
| Total domestic deposits to total assets | 88.5097% | 1,379 |
| Equity capital to assets | 11.4365% | 2,410 |
| Core capital (leverage) ratio | 10.8810% | 2,517 |
| Tier 1 risk-based capital ratio | 19.0407% | 1,699 |
| Total risk-based capital ratio | 20.3012% | 1,652 |
| Memoranda: | ||
| Average total assets | $271,398,800 | 2,332 |
| Average earning assets | $263,662,400 | 2,246 |
| Average equity | $32,422,600 | 2,176 |
| Average total loans | $145,143,800 | 2,667 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7829% | 4,148 |
| Cost of funding earning assets | 0.1808% | 5,546 |
| Net interest margin | 3.6021% | 3,154 |
| Noninterest income to average assets | 0.5008% | 3,356 |
| Noninterest expense to average assets | 2.1233% | 5,231 |
| Loan and lease loss provision to assets | 0.2207% | 853 |
| Net operating income to assets | 1.6553% | 679 |
| Return on assets (ROA) | 1.7505% | 590 |
| Pretax return on assets | 1.7505% | 993 |
| Return on Equity (ROE) | 14.4994% | 809 |
| Retained earnings to average equity (ytd only) | -5.8136% | 6,054 |
| Net charge-offs to loans | 0.4060% | 634 |
| Credit loss provision to net charge-offs | 100.6711% | 2,246 |
| Earnings coverage of net charge-offs (x) | 8.5570% | 2,801 |
| Efficiency ratio | 52.6858% | 5,604 |
| Assets per employee ($millions) | 4.6191% | 2,812 |
| Cash dividends to net income (ytd only)* | 140.0952% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2002% | 662 |
| Loan loss allowance to noncurrent loans | 2,401.4815% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 5,573 |
| Noncurrent loans to loans | 0.0916% | 5,262 |
| Net loans and leases to total assets | 53.7896% | 4,583 |
| Net loans and leases to deposits | 60.8630% | 4,794 |
| Net loans and leases to core deposits | 63.4582% | 4,844 |
| Total domestic deposits to total assets | 88.3781% | 1,357 |
| Equity capital to assets | 11.5704% | 2,441 |
| Core capital (leverage) ratio | 10.8222% | 2,686 |
| Tier 1 risk-based capital ratio | 17.6584% | 2,135 |
| Total risk-based capital ratio | 18.9168% | 2,092 |
| Memoranda: | ||
| Average total assets | $271,839,250 | 2,340 |
| Average earning assets | $264,022,500 | 2,256 |
| Average equity | $32,819,000 | 2,174 |
| Average total loans | $146,801,750 | 2,649 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 4,189 |
| Cost of funding earning assets | 0.1801% | 5,610 |
| Net interest margin | 3.5850% | 3,151 |
| Noninterest income to average assets | 0.5213% | 3,217 |
| Noninterest expense to average assets | 2.1856% | 5,158 |
| Loan and lease loss provision to assets | 0.2563% | 668 |
| Net operating income to assets | 1.5632% | 809 |
| Return on assets (ROA) | 1.7082% | 651 |
| Pretax return on assets | 1.7082% | 1,071 |
| Return on Equity (ROE) | 13.9592% | 911 |
| Retained earnings to average equity (ytd only) | 7.9758% | 1,281 |
| Net charge-offs to loans | 0.5129% | 483 |
| Credit loss provision to net charge-offs | 93.0851% | 2,163 |
| Earnings coverage of net charge-offs (x) | 6.6090% | 2,761 |
| Efficiency ratio | 54.1682% | 5,570 |
| Assets per employee ($millions) | 4.7033% | 2,673 |
| Cash dividends to net income (ytd only)* | 42.8633% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1875% | 743 |
| Loan loss allowance to noncurrent loans | 640.0398% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 4,983 |
| Noncurrent loans to loans | 0.3418% | 4,466 |
| Net loans and leases to total assets | 52.6646% | 4,688 |
| Net loans and leases to deposits | 60.0515% | 4,845 |
| Net loans and leases to core deposits | 62.6875% | 4,892 |
| Total domestic deposits to total assets | 87.6991% | 1,795 |
| Equity capital to assets | 12.2220% | 1,860 |
| Core capital (leverage) ratio | 11.6494% | 1,886 |
| Tier 1 risk-based capital ratio | 19.1136% | 1,771 |
| Total risk-based capital ratio | 20.3715% | 1,735 |
| Memoranda: | ||
| Average total assets | $273,150,000 | 2,350 |
| Average earning assets | $265,441,000 | 2,265 |
| Average equity | $33,426,000 | 2,139 |
| Average total loans | $146,619,670 | 2,666 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 4,231 |
| Cost of funding earning assets | 0.1807% | 5,674 |
| Net interest margin | 3.5589% | 3,185 |
| Noninterest income to average assets | 0.4946% | 3,317 |
| Noninterest expense to average assets | 1.9493% | 5,666 |
| Loan and lease loss provision to assets | 0.2927% | 507 |
| Net operating income to assets | 1.7108% | 577 |
| Return on assets (ROA) | 2.0020% | 353 |
| Pretax return on assets | 2.0020% | 584 |
| Return on Equity (ROE) | 16.3497% | 530 |
| Retained earnings to average equity (ytd only) | 16.3497% | 204 |
| Net charge-offs to loans | -0.0082% | 4,640 |
| Credit loss provision to net charge-offs | -6,666.6667% | 5,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9078% | 5,978 |
| Assets per employee ($millions) | 4.8822% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4033% | 610 |
| Loan loss allowance to noncurrent loans | 382.0200% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 4,569 |
| Noncurrent loans to loans | 0.6291% | 3,700 |
| Net loans and leases to total assets | 50.2276% | 4,820 |
| Net loans and leases to deposits | 57.3010% | 4,964 |
| Net loans and leases to core deposits | 59.7635% | 5,006 |
| Total domestic deposits to total assets | 87.6558% | 2,011 |
| Equity capital to assets | 12.2946% | 1,824 |
| Core capital (leverage) ratio | 11.5505% | 1,961 |
| Tier 1 risk-based capital ratio | 19.4518% | 1,749 |
| Total risk-based capital ratio | 20.7119% | 1,703 |
| Memoranda: | ||
| Average total assets | $273,328,000 | 2,364 |
| Average earning assets | $265,590,500 | 2,278 |
| Average equity | $33,468,500 | 2,151 |
| Average total loans | $146,490,000 | 2,668 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8881% | 4,166 |
| Cost of funding earning assets | 0.2037% | 5,710 |
| Net interest margin | 3.6844% | 3,064 |
| Noninterest income to average assets | 0.6164% | 2,760 |
| Noninterest expense to average assets | 2.1358% | 5,491 |
| Loan and lease loss provision to assets | 0.2792% | 760 |
| Net operating income to assets | 1.7555% | 516 |
| Return on assets (ROA) | 1.8004% | 487 |
| Pretax return on assets | 1.8157% | 767 |
| Return on Equity (ROE) | 14.7808% | 815 |
| Retained earnings to average equity (ytd only) | 1.9465% | 4,825 |
| Net charge-offs to loans | 0.1870% | 2,176 |
| Credit loss provision to net charge-offs | 280.8989% | 904 |
| Earnings coverage of net charge-offs (x) | 20.6217% | 1,719 |
| Efficiency ratio | 50.6048% | 6,058 |
| Assets per employee ($millions) | 4.4729% | 3,080 |
| Cash dividends to net income (ytd only)* | 86.8307% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1628% | 868 |
| Loan loss allowance to noncurrent loans | 265.7096% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 4,159 |
| Noncurrent loans to loans | 0.8140% | 3,283 |
| Net loans and leases to total assets | 54.5972% | 4,502 |
| Net loans and leases to deposits | 62.2192% | 4,707 |
| Net loans and leases to core deposits | 65.1367% | 4,739 |
| Total domestic deposits to total assets | 87.7498% | 1,895 |
| Equity capital to assets | 12.1932% | 1,869 |
| Core capital (leverage) ratio | 11.3208% | 2,112 |
| Tier 1 risk-based capital ratio | 18.5694% | 1,970 |
| Total risk-based capital ratio | 19.8283% | 1,934 |
| Memoranda: | ||
| Average total assets | $268,656,400 | 2,365 |
| Average earning assets | $260,232,800 | 2,272 |
| Average equity | $32,724,800 | 2,126 |
| Average total loans | $142,745,600 | 2,673 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8749% | 4,256 |
| Cost of funding earning assets | 0.2076% | 5,763 |
| Net interest margin | 3.6673% | 3,163 |
| Noninterest income to average assets | 0.6569% | 2,539 |
| Noninterest expense to average assets | 2.1017% | 5,567 |
| Loan and lease loss provision to assets | 0.2729% | 762 |
| Net operating income to assets | 1.7953% | 519 |
| Return on assets (ROA) | 1.8541% | 475 |
| Pretax return on assets | 1.8913% | 734 |
| Return on Equity (ROE) | 15.2254% | 782 |
| Retained earnings to average equity (ytd only) | 6.2621% | 2,242 |
| Net charge-offs to loans | 0.0634% | 3,302 |
| Credit loss provision to net charge-offs | 820.8955% | 381 |
| Earnings coverage of net charge-offs (x) | 63.2993% | 832 |
| Efficiency ratio | 49.5458% | 6,117 |
| Assets per employee ($millions) | 4.4912% | 2,987 |
| Cash dividends to net income (ytd only)* | 58.8708% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2318% | 902 |
| Loan loss allowance to noncurrent loans | 203.4548% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7518% | 3,560 |
| Noncurrent loans to loans | 1.0970% | 2,872 |
| Net loans and leases to total assets | 53.5476% | 4,631 |
| Net loans and leases to deposits | 61.3273% | 4,811 |
| Net loans and leases to core deposits | 64.1534% | 4,866 |
| Total domestic deposits to total assets | 87.3145% | 2,145 |
| Equity capital to assets | 12.6044% | 1,636 |
| Core capital (leverage) ratio | 11.7194% | 1,899 |
| Tier 1 risk-based capital ratio | 19.3855% | 1,802 |
| Total risk-based capital ratio | 20.6443% | 1,776 |
| Memoranda: | ||
| Average total assets | $268,727,750 | 2,385 |
| Average earning assets | $260,058,750 | 2,290 |
| Average equity | $32,725,250 | 2,131 |
| Average total loans | $140,991,500 | 2,715 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8411% | 4,368 |
| Cost of funding earning assets | 0.2128% | 5,805 |
| Net interest margin | 3.6283% | 3,239 |
| Noninterest income to average assets | 0.7438% | 2,072 |
| Noninterest expense to average assets | 2.1246% | 5,572 |
| Loan and lease loss provision to assets | 0.2963% | 668 |
| Net operating income to assets | 1.7233% | 553 |
| Return on assets (ROA) | 1.8083% | 499 |
| Pretax return on assets | 1.9246% | 649 |
| Return on Equity (ROE) | 15.0212% | 788 |
| Retained earnings to average equity (ytd only) | 7.3291% | 1,599 |
| Net charge-offs to loans | 0.0731% | 2,970 |
| Credit loss provision to net charge-offs | 784.3137% | 413 |
| Earnings coverage of net charge-offs (x) | 56.3922% | 844 |
| Efficiency ratio | 49.5125% | 6,199 |
| Assets per employee ($millions) | 4.5177% | 2,895 |
| Cash dividends to net income (ytd only)* | 51.2085% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1785% | 1,060 |
| Loan loss allowance to noncurrent loans | 198.7836% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7238% | 3,812 |
| Noncurrent loans to loans | 1.0959% | 3,038 |
| Net loans and leases to total assets | 51.4369% | 4,805 |
| Net loans and leases to deposits | 58.6516% | 4,985 |
| Net loans and leases to core deposits | 61.4937% | 5,009 |
| Total domestic deposits to total assets | 87.6991% | 2,084 |
| Equity capital to assets | 12.2175% | 1,845 |
| Core capital (leverage) ratio | 11.4680% | 2,031 |
| Tier 1 risk-based capital ratio | 19.2923% | 1,853 |
| Total risk-based capital ratio | 20.5509% | 1,815 |
| Memoranda: | ||
| Average total assets | $269,977,330 | 2,375 |
| Average earning assets | $261,280,670 | 2,277 |
| Average equity | $32,500,670 | 2,134 |
| Average total loans | $139,612,330 | 2,737 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8290% | 4,366 |
| Cost of funding earning assets | 0.2212% | 5,841 |
| Net interest margin | 3.6078% | 3,221 |
| Noninterest income to average assets | 1.0229% | 1,078 |
| Noninterest expense to average assets | 2.0755% | 5,725 |
| Loan and lease loss provision to assets | 0.2227% | 1,011 |
| Net operating income to assets | 2.2120% | 233 |
| Return on assets (ROA) | 2.1809% | 259 |
| Pretax return on assets | 2.1809% | 365 |
| Return on Equity (ROE) | 18.2527% | 425 |
| Retained earnings to average equity (ytd only) | 18.2527% | 172 |
| Net charge-offs to loans | 0.0347% | 2,905 |
| Credit loss provision to net charge-offs | 1,250.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 136.6667% | 363 |
| Efficiency ratio | 45.6221% | 6,440 |
| Assets per employee ($millions) | 4.4905% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1273% | 1,278 |
| Loan loss allowance to noncurrent loans | 464.5265% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 5,520 |
| Noncurrent loans to loans | 0.4580% | 4,781 |
| Net loans and leases to total assets | 48.6071% | 5,049 |
| Net loans and leases to deposits | 55.4783% | 5,153 |
| Net loans and leases to core deposits | 58.2672% | 5,183 |
| Total domestic deposits to total assets | 87.6146% | 2,447 |
| Equity capital to assets | 12.1919% | 1,750 |
| Core capital (leverage) ratio | 11.3057% | 2,131 |
| Tier 1 risk-based capital ratio | 20.1024% | 1,695 |
| Total risk-based capital ratio | 21.3599% | 1,660 |
| Memoranda: | ||
| Average total assets | $269,435,000 | 2,383 |
| Average earning assets | $260,436,000 | 2,285 |
| Average equity | $32,192,500 | 2,141 |
| Average total loans | $138,153,000 | 2,761 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8395% | 4,662 |
| Cost of funding earning assets | 0.2442% | 6,006 |
| Net interest margin | 3.5953% | 3,483 |
| Noninterest income to average assets | 0.6165% | 2,992 |
| Noninterest expense to average assets | 2.3653% | 5,181 |
| Loan and lease loss provision to assets | 0.2130% | 1,723 |
| Net operating income to assets | 1.3722% | 1,082 |
| Return on assets (ROA) | 1.3718% | 1,126 |
| Pretax return on assets | 1.5065% | 1,423 |
| Return on Equity (ROE) | 11.5341% | 1,582 |
| Retained earnings to average equity (ytd only) | -3.5104% | 6,293 |
| Net charge-offs to loans | 0.2014% | 2,863 |
| Credit loss provision to net charge-offs | 205.7613% | 1,118 |
| Earnings coverage of net charge-offs (x) | 16.6132% | 1,789 |
| Efficiency ratio | 57.7745% | 5,763 |
| Assets per employee ($millions) | 4.4159% | 3,058 |
| Cash dividends to net income (ytd only)* | 130.4348% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9648% | 1,636 |
| Loan loss allowance to noncurrent loans | 429.9532% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 4,571 |
| Noncurrent loans to loans | 0.4570% | 4,854 |
| Net loans and leases to total assets | 51.9009% | 4,870 |
| Net loans and leases to deposits | 58.8962% | 5,043 |
| Net loans and leases to core deposits | 61.9396% | 5,066 |
| Total domestic deposits to total assets | 88.1227% | 2,104 |
| Equity capital to assets | 11.6961% | 2,035 |
| Core capital (leverage) ratio | 10.7527% | 2,623 |
| Tier 1 risk-based capital ratio | 18.8908% | 1,959 |
| Total risk-based capital ratio | 20.1465% | 1,918 |
| Memoranda: | ||
| Average total assets | $234,723,200 | 2,670 |
| Average earning assets | $226,463,200 | 2,550 |
| Average equity | $27,917,200 | 2,385 |
| Average total loans | $120,626,400 | 3,020 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 5,090 |
| Cost of funding earning assets | 0.2432% | 6,132 |
| Net interest margin | 3.4857% | 3,943 |
| Noninterest income to average assets | 0.6345% | 2,959 |
| Noninterest expense to average assets | 2.3565% | 5,166 |
| Loan and lease loss provision to assets | 0.2201% | 1,654 |
| Net operating income to assets | 1.2531% | 1,478 |
| Return on assets (ROA) | 1.2531% | 1,548 |
| Pretax return on assets | 1.4227% | 1,859 |
| Return on Equity (ROE) | 10.4850% | 2,008 |
| Retained earnings to average equity (ytd only) | 4.5918% | 3,407 |
| Net charge-offs to loans | 0.1141% | 3,410 |
| Credit loss provision to net charge-offs | 378.7879% | 698 |
| Earnings coverage of net charge-offs (x) | 28.2720% | 1,288 |
| Efficiency ratio | 58.9228% | 5,566 |
| Assets per employee ($millions) | 4.4279% | 2,995 |
| Cash dividends to net income (ytd only)* | 56.2060% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2315% | 1,283 |
| Loan loss allowance to noncurrent loans | 347.3091% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7783% | 4,159 |
| Noncurrent loans to loans | 0.6425% | 4,589 |
| Net loans and leases to total assets | 52.8037% | 4,776 |
| Net loans and leases to deposits | 59.7341% | 5,005 |
| Net loans and leases to core deposits | 63.0584% | 5,005 |
| Total domestic deposits to total assets | 88.3979% | 1,895 |
| Equity capital to assets | 11.3793% | 2,400 |
| Core capital (leverage) ratio | 11.2014% | 2,303 |
| Tier 1 risk-based capital ratio | 18.3617% | 2,191 |
| Total risk-based capital ratio | 19.6209% | 2,152 |
| Memoranda: | ||
| Average total assets | $227,166,250 | 2,770 |
| Average earning assets | $219,289,250 | 2,637 |
| Average equity | $27,149,250 | 2,467 |
| Average total loans | $115,716,000 | 3,151 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6511% | 5,287 |
| Cost of funding earning assets | 0.2473% | 6,191 |
| Net interest margin | 3.4039% | 4,175 |
| Noninterest income to average assets | 0.5881% | 3,267 |
| Noninterest expense to average assets | 2.3384% | 5,247 |
| Loan and lease loss provision to assets | 0.2211% | 1,716 |
| Net operating income to assets | 1.3160% | 1,283 |
| Return on assets (ROA) | 1.3160% | 1,365 |
| Pretax return on assets | 1.3160% | 2,245 |
| Return on Equity (ROE) | 10.8355% | 1,867 |
| Retained earnings to average equity (ytd only) | 2.0972% | 4,936 |
| Net charge-offs to loans | 0.1861% | 2,635 |
| Credit loss provision to net charge-offs | 238.0952% | 1,051 |
| Earnings coverage of net charge-offs (x) | 16.5524% | 1,657 |
| Efficiency ratio | 60.3377% | 5,431 |
| Assets per employee ($millions) | 4.3993% | 2,986 |
| Cash dividends to net income (ytd only)* | 80.6452% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1851% | 1,456 |
| Loan loss allowance to noncurrent loans | 271.4579% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.7864% | 4,257 |
| Noncurrent loans to loans | 0.8049% | 4,301 |
| Net loans and leases to total assets | 51.7385% | 4,901 |
| Net loans and leases to deposits | 58.5257% | 5,116 |
| Net loans and leases to core deposits | 62.0475% | 5,090 |
| Total domestic deposits to total assets | 88.4030% | 1,985 |
| Equity capital to assets | 11.5008% | 2,294 |
| Core capital (leverage) ratio | 10.8218% | 2,534 |
| Tier 1 risk-based capital ratio | 18.4299% | 2,163 |
| Total risk-based capital ratio | 19.6881% | 2,123 |
| Memoranda: | ||
| Average total assets | $226,138,000 | 2,780 |
| Average earning assets | $218,397,000 | 2,659 |
| Average equity | $27,465,330 | 2,459 |
| Average total loans | $112,836,000 | 3,213 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5885% | 5,482 |
| Cost of funding earning assets | 0.2543% | 6,265 |
| Net interest margin | 3.3341% | 4,383 |
| Noninterest income to average assets | 0.5142% | 3,684 |
| Noninterest expense to average assets | 2.0087% | 6,090 |
| Loan and lease loss provision to assets | 0.2224% | 1,661 |
| Net operating income to assets | 1.5016% | 853 |
| Return on assets (ROA) | 1.5016% | 931 |
| Pretax return on assets | 1.5016% | 1,546 |
| Return on Equity (ROE) | 12.0387% | 1,412 |
| Retained earnings to average equity (ytd only) | 3.4804% | 4,164 |
| Net charge-offs to loans | 0.4377% | 1,360 |
| Credit loss provision to net charge-offs | 105.0420% | 1,757 |
| Earnings coverage of net charge-offs (x) | 8.1429% | 1,972 |
| Efficiency ratio | 53.8132% | 6,246 |
| Assets per employee ($millions) | 4.4693% | 3,029 |
| Cash dividends to net income (ytd only)* | 71.0900% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3236% | 1,371 |
| Loan loss allowance to noncurrent loans | 289.2610% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7875% | 4,407 |
| Noncurrent loans to loans | 0.8033% | 4,517 |
| Net loans and leases to total assets | 46.1974% | 5,416 |
| Net loans and leases to deposits | 52.7719% | 5,547 |
| Net loans and leases to core deposits | 55.9178% | 5,526 |
| Total domestic deposits to total assets | 87.5416% | 2,609 |
| Equity capital to assets | 12.3715% | 1,792 |
| Core capital (leverage) ratio | 10.9296% | 2,324 |
| Tier 1 risk-based capital ratio | 19.9362% | 1,789 |
| Total risk-based capital ratio | 21.1951% | 1,759 |
| Memoranda: | ||
| Average total assets | $224,824,000 | 2,823 |
| Average earning assets | $217,029,000 | 2,700 |
| Average equity | $28,043,000 | 2,441 |
| Average total loans | $108,752,000 | 3,317 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 5,691 |
| Cost of funding earning assets | 0.3131% | 6,389 |
| Net interest margin | 3.5452% | 4,319 |
| Noninterest income to average assets | 0.6192% | 3,172 |
| Noninterest expense to average assets | 2.0777% | 6,170 |
| Loan and lease loss provision to assets | 0.2523% | 2,637 |
| Net operating income to assets | 1.7122% | 602 |
| Return on assets (ROA) | 2.0837% | 342 |
| Pretax return on assets | 2.0837% | 506 |
| Return on Equity (ROE) | 16.3239% | 611 |
| Retained earnings to average equity (ytd only) | 5.5443% | 2,351 |
| Net charge-offs to loans | 0.3605% | 2,830 |
| Credit loss provision to net charge-offs | 145.1187% | 1,883 |
| Earnings coverage of net charge-offs (x) | 11.3008% | 2,048 |
| Efficiency ratio | 51.4013% | 6,498 |
| Assets per employee ($millions) | 4.4343% | 3,079 |
| Cash dividends to net income (ytd only)* | 66.0357% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2781% | 1,400 |
| Loan loss allowance to noncurrent loans | 152.9376% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.7370% | 4,635 |
| Noncurrent loans to loans | 1.4895% | 3,369 |
| Net loans and leases to total assets | 48.3508% | 5,372 |
| Net loans and leases to deposits | 55.3979% | 5,500 |
| Net loans and leases to core deposits | 59.0110% | 5,450 |
| Total domestic deposits to total assets | 87.2790% | 2,656 |
| Equity capital to assets | 12.5780% | 1,648 |
| Core capital (leverage) ratio | 11.1905% | 2,096 |
| Tier 1 risk-based capital ratio | 19.7022% | 1,751 |
| Total risk-based capital ratio | 20.9611% | 1,719 |
| Memoranda: | ||
| Average total assets | $218,028,600 | 2,860 |
| Average earning assets | $210,507,200 | 2,726 |
| Average equity | $27,830,400 | 2,411 |
| Average total loans | $105,133,800 | 3,390 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 5,845 |
| Cost of funding earning assets | 0.3283% | 6,476 |
| Net interest margin | 3.5455% | 4,457 |
| Noninterest income to average assets | 0.6393% | 3,049 |
| Noninterest expense to average assets | 2.0419% | 6,286 |
| Loan and lease loss provision to assets | 0.2764% | 2,365 |
| Net operating income to assets | 1.7429% | 636 |
| Return on assets (ROA) | 2.2514% | 289 |
| Pretax return on assets | 2.2514% | 440 |
| Return on Equity (ROE) | 17.5720% | 544 |
| Retained earnings to average equity (ytd only) | 7.9855% | 1,620 |
| Net charge-offs to loans | 0.2885% | 2,996 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 14.6135% | 1,823 |
| Efficiency ratio | 50.2798% | 6,568 |
| Assets per employee ($millions) | 4.3233% | 3,225 |
| Cash dividends to net income (ytd only)* | 54.5553% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2924% | 1,534 |
| Loan loss allowance to noncurrent loans | 252.2727% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 5,489 |
| Noncurrent loans to loans | 0.9087% | 4,612 |
| Net loans and leases to total assets | 49.3526% | 5,395 |
| Net loans and leases to deposits | 56.7568% | 5,561 |
| Net loans and leases to core deposits | 60.6192% | 5,497 |
| Total domestic deposits to total assets | 86.9545% | 2,697 |
| Equity capital to assets | 12.9009% | 1,643 |
| Core capital (leverage) ratio | 11.1925% | 2,215 |
| Tier 1 risk-based capital ratio | 19.3405% | 1,911 |
| Total risk-based capital ratio | 20.5997% | 1,882 |
| Memoranda: | ||
| Average total assets | $217,107,500 | 2,891 |
| Average earning assets | $209,534,750 | 2,772 |
| Average equity | $27,816,250 | 2,430 |
| Average total loans | $103,992,500 | 3,459 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 6,021 |
| Cost of funding earning assets | 0.3492% | 6,514 |
| Net interest margin | 3.5065% | 4,641 |
| Noninterest income to average assets | 0.6501% | 2,956 |
| Noninterest expense to average assets | 2.0706% | 6,291 |
| Loan and lease loss provision to assets | 0.2778% | 2,365 |
| Net operating income to assets | 1.6863% | 693 |
| Return on assets (ROA) | 2.3956% | 233 |
| Pretax return on assets | 2.3956% | 348 |
| Return on Equity (ROE) | 18.7418% | 436 |
| Retained earnings to average equity (ytd only) | 11.4972% | 660 |
| Net charge-offs to loans | -0.0118% | 6,310 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3197% | 6,553 |
| Assets per employee ($millions) | 4.2891% | 3,275 |
| Cash dividends to net income (ytd only)* | 38.6548% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5501% | 1,214 |
| Loan loss allowance to noncurrent loans | 168.0919% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.7507% | 4,920 |
| Noncurrent loans to loans | 1.5171% | 3,629 |
| Net loans and leases to total assets | 46.0163% | 5,823 |
| Net loans and leases to deposits | 52.9384% | 5,959 |
| Net loans and leases to core deposits | 56.3305% | 5,915 |
| Total domestic deposits to total assets | 86.9243% | 2,816 |
| Equity capital to assets | 12.9120% | 1,562 |
| Core capital (leverage) ratio | 11.3662% | 1,993 |
| Tier 1 risk-based capital ratio | 20.3773% | 1,614 |
| Total risk-based capital ratio | 21.6384% | 1,582 |
| Memoranda: | ||
| Average total assets | $215,980,330 | 2,917 |
| Average earning assets | $208,471,670 | 2,781 |
| Average equity | $27,606,670 | 2,437 |
| Average total loans | $101,533,330 | 3,531 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 6,171 |
| Cost of funding earning assets | 0.3881% | 6,470 |
| Net interest margin | 3.4481% | 4,922 |
| Noninterest income to average assets | 0.5909% | 3,294 |
| Noninterest expense to average assets | 1.9627% | 6,531 |
| Loan and lease loss provision to assets | 0.5592% | 1,040 |
| Net operating income to assets | 1.3980% | 1,225 |
| Return on assets (ROA) | 2.8257% | 144 |
| Pretax return on assets | 2.8257% | 218 |
| Return on Equity (ROE) | 22.2222% | 270 |
| Retained earnings to average equity (ytd only) | 22.2222% | 129 |
| Net charge-offs to loans | -0.0517% | 6,543 |
| Credit loss provision to net charge-offs | -2,307.6923% | 6,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0713% | 6,671 |
| Assets per employee ($millions) | 4.3173% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6584% | 1,167 |
| Loan loss allowance to noncurrent loans | 232.0738% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 5,565 |
| Noncurrent loans to loans | 1.1455% | 4,423 |
| Net loans and leases to total assets | 43.9198% | 6,024 |
| Net loans and leases to deposits | 50.3680% | 6,111 |
| Net loans and leases to core deposits | 53.4906% | 6,097 |
| Total domestic deposits to total assets | 87.1979% | 2,828 |
| Equity capital to assets | 12.6622% | 1,616 |
| Core capital (leverage) ratio | 11.2296% | 2,088 |
| Tier 1 risk-based capital ratio | 20.7470% | 1,537 |
| Total risk-based capital ratio | 22.0086% | 1,506 |
| Memoranda: | ||
| Average total assets | $214,599,500 | 2,950 |
| Average earning assets | $207,189,000 | 2,809 |
| Average equity | $27,288,000 | 2,453 |
| Average total loans | $100,654,500 | 3,578 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 5,717 |
| Cost of funding earning assets | 0.5631% | 6,276 |
| Net interest margin | 3.7524% | 4,069 |
| Noninterest income to average assets | 0.5446% | 3,549 |
| Noninterest expense to average assets | 2.3123% | 6,009 |
| Loan and lease loss provision to assets | 0.0574% | 5,879 |
| Net operating income to assets | 1.7811% | 475 |
| Return on assets (ROA) | 1.8579% | 449 |
| Pretax return on assets | 1.8579% | 719 |
| Return on Equity (ROE) | 14.7490% | 788 |
| Retained earnings to average equity (ytd only) | 0.8909% | 5,443 |
| Net charge-offs to loans | 0.0557% | 5,757 |
| Credit loss provision to net charge-offs | 216.9811% | 1,125 |
| Earnings coverage of net charge-offs (x) | 69.5472% | 429 |
| Efficiency ratio | 55.7078% | 6,349 |
| Assets per employee ($millions) | 4.0195% | 3,808 |
| Cash dividends to net income (ytd only)* | 93.9597% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2832% | 1,651 |
| Loan loss allowance to noncurrent loans | 530.2961% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 6,432 |
| Noncurrent loans to loans | 0.4305% | 5,850 |
| Net loans and leases to total assets | 47.6691% | 5,861 |
| Net loans and leases to deposits | 55.4054% | 5,940 |
| Net loans and leases to core deposits | 58.6225% | 5,960 |
| Total domestic deposits to total assets | 86.0370% | 3,305 |
| Equity capital to assets | 12.7722% | 1,615 |
| Core capital (leverage) ratio | 11.0626% | 2,221 |
| Tier 1 risk-based capital ratio | 19.0784% | 1,873 |
| Total risk-based capital ratio | 20.3365% | 1,832 |
| Memoranda: | ||
| Average total assets | $200,496,000 | 3,052 |
| Average earning assets | $192,674,800 | 2,937 |
| Average equity | $25,256,000 | 2,549 |
| Average total loans | $95,085,400 | 3,743 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 5,742 |
| Cost of funding earning assets | 0.5939% | 6,311 |
| Net interest margin | 3.7648% | 4,038 |
| Noninterest income to average assets | 0.5841% | 3,270 |
| Noninterest expense to average assets | 2.3034% | 6,022 |
| Loan and lease loss provision to assets | 0.0773% | 5,476 |
| Net operating income to assets | 1.8168% | 503 |
| Return on assets (ROA) | 1.8827% | 480 |
| Pretax return on assets | 1.8827% | 814 |
| Return on Equity (ROE) | 15.0007% | 839 |
| Retained earnings to average equity (ytd only) | 1.6066% | 5,337 |
| Net charge-offs to loans | 0.0800% | 5,174 |
| Credit loss provision to net charge-offs | 205.3571% | 1,425 |
| Earnings coverage of net charge-offs (x) | 50.3247% | 642 |
| Efficiency ratio | 54.8759% | 6,399 |
| Assets per employee ($millions) | 3.8656% | 4,155 |
| Cash dividends to net income (ytd only)* | 89.2895% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4159% | 1,514 |
| Loan loss allowance to noncurrent loans | 681.8182% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 6,406 |
| Noncurrent loans to loans | 0.3543% | 6,143 |
| Net loans and leases to total assets | 45.8385% | 6,161 |
| Net loans and leases to deposits | 53.6064% | 6,245 |
| Net loans and leases to core deposits | 56.3636% | 6,289 |
| Total domestic deposits to total assets | 85.5094% | 3,489 |
| Equity capital to assets | 13.2835% | 1,474 |
| Core capital (leverage) ratio | 11.6104% | 1,952 |
| Tier 1 risk-based capital ratio | 19.6726% | 1,767 |
| Total risk-based capital ratio | 20.9318% | 1,735 |
| Memoranda: | ||
| Average total assets | $198,366,000 | 3,092 |
| Average earning assets | $190,390,250 | 2,973 |
| Average equity | $24,896,000 | 2,585 |
| Average total loans | $93,365,750 | 3,808 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4099% | 5,653 |
| Cost of funding earning assets | 0.6245% | 6,340 |
| Net interest margin | 3.7853% | 3,860 |
| Noninterest income to average assets | 0.5984% | 3,158 |
| Noninterest expense to average assets | 2.4047% | 5,829 |
| Loan and lease loss provision to assets | 0.1172% | 4,807 |
| Net operating income to assets | 1.7095% | 585 |
| Return on assets (ROA) | 1.6596% | 692 |
| Pretax return on assets | 1.6596% | 1,135 |
| Return on Equity (ROE) | 13.4975% | 1,087 |
| Retained earnings to average equity (ytd only) | -0.6052% | 5,984 |
| Net charge-offs to loans | 0.1299% | 4,438 |
| Credit loss provision to net charge-offs | 191.6667% | 1,576 |
| Earnings coverage of net charge-offs (x) | 29.8667% | 922 |
| Efficiency ratio | 56.8297% | 6,314 |
| Assets per employee ($millions) | 3.6254% | 4,626 |
| Cash dividends to net income (ytd only)* | 104.4840% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5115% | 1,429 |
| Loan loss allowance to noncurrent loans | 564.7202% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 6,514 |
| Noncurrent loans to loans | 0.4447% | 6,019 |
| Net loans and leases to total assets | 45.1830% | 6,336 |
| Net loans and leases to deposits | 52.4999% | 6,428 |
| Net loans and leases to core deposits | 55.7924% | 6,428 |
| Total domestic deposits to total assets | 86.0629% | 3,293 |
| Equity capital to assets | 12.7039% | 1,674 |
| Core capital (leverage) ratio | 11.2093% | 2,105 |
| Tier 1 risk-based capital ratio | 20.5771% | 1,502 |
| Total risk-based capital ratio | 21.8375% | 1,473 |
| Memoranda: | ||
| Average total assets | $196,195,330 | 3,133 |
| Average earning assets | $188,305,330 | 3,019 |
| Average equity | $24,123,000 | 2,649 |
| Average total loans | $92,408,330 | 3,880 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3819% | 5,752 |
| Cost of funding earning assets | 0.6447% | 6,404 |
| Net interest margin | 3.7373% | 3,908 |
| Noninterest income to average assets | 0.6249% | 3,004 |
| Noninterest expense to average assets | 2.4584% | 5,713 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7534% | 534 |
| Return on assets (ROA) | 1.6527% | 655 |
| Pretax return on assets | 1.6527% | 1,073 |
| Return on Equity (ROE) | 13.6741% | 1,045 |
| Retained earnings to average equity (ytd only) | -1.6327% | 6,093 |
| Net charge-offs to loans | 0.2121% | 3,244 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 17.4082% | 1,224 |
| Efficiency ratio | 58.3699% | 6,223 |
| Assets per employee ($millions) | 3.7527% | 4,414 |
| Cash dividends to net income (ytd only)* | 111.9403% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4775% | 1,492 |
| Loan loss allowance to noncurrent loans | 361.6639% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 6,199 |
| Noncurrent loans to loans | 0.6850% | 5,652 |
| Net loans and leases to total assets | 43.0648% | 6,541 |
| Net loans and leases to deposits | 51.8347% | 6,489 |
| Net loans and leases to core deposits | 55.1508% | 6,476 |
| Total domestic deposits to total assets | 83.0810% | 4,894 |
| Equity capital to assets | 11.8693% | 1,999 |
| Core capital (leverage) ratio | 11.2815% | 1,970 |
| Tier 1 risk-based capital ratio | 20.5585% | 1,463 |
| Total risk-based capital ratio | 21.8173% | 1,445 |
| Memoranda: | ||
| Average total assets | $194,595,000 | 3,182 |
| Average earning assets | $186,767,500 | 3,058 |
| Average equity | $23,519,000 | 2,688 |
| Average total loans | $92,405,500 | 3,916 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0613% | 4,278 |
| Cost of funding earning assets | 0.8832% | 6,227 |
| Net interest margin | 4.1781% | 2,267 |
| Noninterest income to average assets | 0.6746% | 2,993 |
| Noninterest expense to average assets | 2.4316% | 6,008 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.2094% | 193 |
| Return on assets (ROA) | 2.3135% | 159 |
| Pretax return on assets | 2.3135% | 247 |
| Return on Equity (ROE) | 17.7424% | 397 |
| Retained earnings to average equity (ytd only) | 9.5398% | 598 |
| Net charge-offs to loans | 0.5767% | 3,319 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 6.7564% | 2,286 |
| Efficiency ratio | 52.3947% | 6,955 |
| Assets per employee ($millions) | 3.5197% | 4,890 |
| Cash dividends to net income (ytd only)* | 46.2316% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3772% | 1,583 |
| Loan loss allowance to noncurrent loans | 213.3710% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6567% | 5,690 |
| Noncurrent loans to loans | 1.1141% | 4,876 |
| Net loans and leases to total assets | 49.8858% | 6,177 |
| Net loans and leases to deposits | 60.8457% | 5,968 |
| Net loans and leases to core deposits | 65.2613% | 5,947 |
| Total domestic deposits to total assets | 81.9874% | 5,191 |
| Equity capital to assets | 12.3216% | 1,732 |
| Core capital (leverage) ratio | 11.8078% | 1,665 |
| Tier 1 risk-based capital ratio | 20.2970% | 1,436 |
| Total risk-based capital ratio | 21.5567% | 1,413 |
| Memoranda: | ||
| Average total assets | $179,508,600 | 3,384 |
| Average earning assets | $170,410,400 | 3,274 |
| Average equity | $23,407,200 | 2,711 |
| Average total loans | $101,777,400 | 3,747 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1849% | 3,914 |
| Cost of funding earning assets | 0.9335% | 6,262 |
| Net interest margin | 4.2514% | 2,027 |
| Noninterest income to average assets | 0.6871% | 2,898 |
| Noninterest expense to average assets | 2.4476% | 5,897 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.2638% | 209 |
| Return on assets (ROA) | 2.3718% | 176 |
| Pretax return on assets | 2.3718% | 284 |
| Return on Equity (ROE) | 17.9302% | 486 |
| Retained earnings to average equity (ytd only) | 12.7134% | 379 |
| Net charge-offs to loans | 0.6615% | 2,772 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 5.8831% | 2,655 |
| Efficiency ratio | 51.9503% | 6,979 |
| Assets per employee ($millions) | 3.5126% | 4,947 |
| Cash dividends to net income (ytd only)* | 29.0956% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4663% | 1,377 |
| Loan loss allowance to noncurrent loans | 245.0262% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.5228% | 6,122 |
| Noncurrent loans to loans | 1.0065% | 5,223 |
| Net loans and leases to total assets | 50.6644% | 6,252 |
| Net loans and leases to deposits | 61.6453% | 6,155 |
| Net loans and leases to core deposits | 66.5703% | 6,078 |
| Total domestic deposits to total assets | 82.1870% | 4,921 |
| Equity capital to assets | 13.8147% | 1,236 |
| Core capital (leverage) ratio | 12.4706% | 1,424 |
| Tier 1 risk-based capital ratio | 20.9144% | 1,372 |
| Total risk-based capital ratio | 22.1755% | 1,345 |
| Memoranda: | ||
| Average total assets | $177,750,250 | 3,458 |
| Average earning assets | $168,254,750 | 3,352 |
| Average equity | $23,512,750 | 2,745 |
| Average total loans | $103,390,750 | 3,749 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1873% | 4,016 |
| Cost of funding earning assets | 0.9641% | 6,318 |
| Net interest margin | 4.2232% | 2,080 |
| Noninterest income to average assets | 0.6121% | 3,242 |
| Noninterest expense to average assets | 2.5222% | 5,636 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.0793% | 289 |
| Return on assets (ROA) | 2.0907% | 307 |
| Pretax return on assets | 2.0907% | 500 |
| Return on Equity (ROE) | 16.0510% | 692 |
| Retained earnings to average equity (ytd only) | 16.0510% | 192 |
| Net charge-offs to loans | 0.8981% | 2,034 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 3.8386% | 3,160 |
| Efficiency ratio | 54.8124% | 6,786 |
| Assets per employee ($millions) | 3.4629% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3664% | 1,481 |
| Loan loss allowance to noncurrent loans | 249.0566% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 6,146 |
| Noncurrent loans to loans | 0.9501% | 5,405 |
| Net loans and leases to total assets | 54.4396% | 5,925 |
| Net loans and leases to deposits | 66.4473% | 5,752 |
| Net loans and leases to core deposits | 71.2709% | 5,745 |
| Total domestic deposits to total assets | 81.9290% | 5,017 |
| Equity capital to assets | 13.4123% | 1,383 |
| Core capital (leverage) ratio | 12.5489% | 1,391 |
| Tier 1 risk-based capital ratio | 20.1111% | 1,497 |
| Total risk-based capital ratio | 21.3720% | 1,463 |
| Memoranda: | ||
| Average total assets | $176,116,000 | 3,504 |
| Average earning assets | $166,367,330 | 3,405 |
| Average equity | $22,939,330 | 2,801 |
| Average total loans | $106,227,670 | 3,710 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2157% | 3,938 |
| Cost of funding earning assets | 1.0041% | 6,355 |
| Net interest margin | 4.2117% | 1,993 |
| Noninterest income to average assets | 0.6156% | 3,166 |
| Noninterest expense to average assets | 2.6370% | 5,200 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9387% | 387 |
| Return on assets (ROA) | 1.9456% | 416 |
| Pretax return on assets | 1.9456% | 670 |
| Return on Equity (ROE) | 15.1704% | 843 |
| Retained earnings to average equity (ytd only) | 15.1704% | 397 |
| Net charge-offs to loans | 1.0812% | 1,543 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.8610% | 3,118 |
| Efficiency ratio | 57.6305% | 6,544 |
| Assets per employee ($millions) | 3.3016% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4493% | 1,363 |
| Loan loss allowance to noncurrent loans | 309.6852% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 6,277 |
| Noncurrent loans to loans | 0.7909% | 5,737 |
| Net loans and leases to total assets | 59.3407% | 5,235 |
| Net loans and leases to deposits | 70.8054% | 5,228 |
| Net loans and leases to core deposits | 75.3387% | 5,352 |
| Total domestic deposits to total assets | 83.8081% | 4,242 |
| Equity capital to assets | 13.4822% | 1,334 |
| Core capital (leverage) ratio | 12.0789% | 1,609 |
| Tier 1 risk-based capital ratio | 19.0449% | 1,710 |
| Total risk-based capital ratio | 20.3071% | 1,675 |
| Memoranda: | ||
| Average total assets | $174,137,500 | 3,591 |
| Average earning assets | $163,735,000 | 3,502 |
| Average equity | $22,333,000 | 2,901 |
| Average total loans | $109,138,000 | 3,702 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7096% | 3,052 |
| Cost of funding earning assets | 1.3595% | 6,096 |
| Net interest margin | 4.3501% | 1,572 |
| Noninterest income to average assets | 0.6496% | 3,293 |
| Noninterest expense to average assets | 2.4657% | 6,251 |
| Loan and lease loss provision to assets | 1.0800% | 2,115 |
| Net operating income to assets | 1.2057% | 1,231 |
| Return on assets (ROA) | 1.3183% | 1,043 |
| Pretax return on assets | 1.3183% | 1,644 |
| Return on Equity (ROE) | 11.6450% | 1,255 |
| Retained earnings to average equity (ytd only) | 11.6450% | 238 |
| Net charge-offs to loans | 1.5295% | 1,635 |
| Credit loss provision to net charge-offs | 100.6082% | 5,481 |
| Earnings coverage of net charge-offs (x) | 2.1292% | 4,133 |
| Efficiency ratio | 51.8951% | 7,395 |
| Assets per employee ($millions) | 3.4625% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5062% | 1,216 |
| Loan loss allowance to noncurrent loans | 87.9470% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.8370% | 3,615 |
| Noncurrent loans to loans | 2.8496% | 2,703 |
| Net loans and leases to total assets | 62.8495% | 4,844 |
| Net loans and leases to deposits | 73.8631% | 5,059 |
| Net loans and leases to core deposits | 87.2827% | 5,405 |
| Total domestic deposits to total assets | 85.0892% | 3,510 |
| Equity capital to assets | 12.1859% | 1,921 |
| Core capital (leverage) ratio | 11.1942% | 2,112 |
| Tier 1 risk-based capital ratio | 17.0900% | 2,130 |
| Total risk-based capital ratio | 18.3538% | 2,086 |
| Memoranda: | ||
| Average total assets | $183,800,000 | 3,370 |
| Average earning assets | $173,305,000 | 3,302 |
| Average equity | $20,807,200 | 3,094 |
| Average total loans | $129,000,600 | 3,289 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8757% | 2,557 |
| Cost of funding earning assets | 1.4156% | 6,167 |
| Net interest margin | 4.4601% | 1,292 |
| Noninterest income to average assets | 0.6551% | 3,324 |
| Noninterest expense to average assets | 2.4439% | 6,268 |
| Loan and lease loss provision to assets | 0.5926% | 3,017 |
| Net operating income to assets | 1.8376% | 407 |
| Return on assets (ROA) | 1.9863% | 322 |
| Pretax return on assets | 1.9863% | 554 |
| Return on Equity (ROE) | 17.8706% | 470 |
| Retained earnings to average equity (ytd only) | 17.8706% | 88 |
| Net charge-offs to loans | 1.0312% | 1,912 |
| Credit loss provision to net charge-offs | 80.3311% | 5,756 |
| Earnings coverage of net charge-offs (x) | 3.2941% | 3,588 |
| Efficiency ratio | 50.1400% | 7,544 |
| Assets per employee ($millions) | 3.5620% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0941% | 1,606 |
| Loan loss allowance to noncurrent loans | 124.3052% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 1.1687% | 4,739 |
| Noncurrent loans to loans | 1.6847% | 4,122 |
| Net loans and leases to total assets | 67.9173% | 3,981 |
| Net loans and leases to deposits | 78.9900% | 4,564 |
| Net loans and leases to core deposits | 93.6826% | 5,051 |
| Total domestic deposits to total assets | 85.9822% | 2,712 |
| Equity capital to assets | 12.2596% | 2,092 |
| Core capital (leverage) ratio | 11.3004% | 2,188 |
| Tier 1 risk-based capital ratio | 15.9520% | 2,644 |
| Total risk-based capital ratio | 17.2109% | 2,577 |
| Memoranda: | ||
| Average total assets | $185,602,500 | 3,375 |
| Average earning assets | $175,567,500 | 3,305 |
| Average equity | $20,629,250 | 3,153 |
| Average total loans | $132,791,000 | 3,248 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9956% | 2,196 |
| Cost of funding earning assets | 1.4542% | 6,313 |
| Net interest margin | 4.5413% | 1,072 |
| Noninterest income to average assets | 0.6516% | 3,335 |
| Noninterest expense to average assets | 2.4717% | 6,217 |
| Loan and lease loss provision to assets | 0.2942% | 4,209 |
| Net operating income to assets | 2.1828% | 202 |
| Return on assets (ROA) | 2.1828% | 222 |
| Pretax return on assets | 2.1828% | 372 |
| Return on Equity (ROE) | 20.3167% | 320 |
| Retained earnings to average equity (ytd only) | 20.3167% | 71 |
| Net charge-offs to loans | 0.6946% | 2,313 |
| Credit loss provision to net charge-offs | 58.6354% | 5,615 |
| Earnings coverage of net charge-offs (x) | 4.9360% | 2,951 |
| Efficiency ratio | 49.9459% | 7,674 |
| Assets per employee ($millions) | 3.3528% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0329% | 1,508 |
| Loan loss allowance to noncurrent loans | 214.3320% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 5,710 |
| Noncurrent loans to loans | 0.9485% | 5,328 |
| Net loans and leases to total assets | 70.4577% | 3,592 |
| Net loans and leases to deposits | 82.4716% | 4,144 |
| Net loans and leases to core deposits | 98.1949% | 4,678 |
| Total domestic deposits to total assets | 85.4327% | 3,047 |
| Equity capital to assets | 11.6676% | 2,406 |
| Core capital (leverage) ratio | 10.7006% | 2,665 |
| Tier 1 risk-based capital ratio | 15.0571% | 2,998 |
| Total risk-based capital ratio | 16.3158% | 2,929 |
| Memoranda: | ||
| Average total assets | $186,916,000 | 3,377 |
| Average earning assets | $176,864,000 | 3,303 |
| Average equity | $20,082,000 | 3,229 |
| Average total loans | $135,048,330 | 3,244 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0200% | 2,278 |
| Cost of funding earning assets | 1.5095% | 6,374 |
| Net interest margin | 4.5105% | 1,110 |
| Noninterest income to average assets | 0.6300% | 3,353 |
| Noninterest expense to average assets | 2.3724% | 6,282 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.5199% | 130 |
| Return on assets (ROA) | 2.5199% | 157 |
| Pretax return on assets | 2.5199% | 248 |
| Return on Equity (ROE) | 24.4568% | 207 |
| Retained earnings to average equity (ytd only) | 24.4568% | 94 |
| Net charge-offs to loans | -0.5383% | 8,112 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4927% | 7,701 |
| Assets per employee ($millions) | 3.4994% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2463% | 1,022 |
| Loan loss allowance to noncurrent loans | 1,092.4188% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 7,133 |
| Noncurrent loans to loans | 0.2056% | 6,944 |
| Net loans and leases to total assets | 69.6875% | 3,751 |
| Net loans and leases to deposits | 83.7219% | 4,025 |
| Net loans and leases to core deposits | 99.4630% | 4,589 |
| Total domestic deposits to total assets | 83.2368% | 4,024 |
| Equity capital to assets | 10.8166% | 3,163 |
| Core capital (leverage) ratio | 10.0122% | 3,396 |
| Tier 1 risk-based capital ratio | 13.9592% | 3,615 |
| Total risk-based capital ratio | 15.2201% | 3,532 |
| Memoranda: | ||
| Average total assets | $189,849,500 | 3,360 |
| Average earning assets | $179,402,000 | 3,286 |
| Average equity | $19,561,000 | 3,330 |
| Average total loans | $137,467,500 | 3,217 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4336% | 3,261 |
| Cost of funding earning assets | 2.1508% | 5,827 |
| Net interest margin | 4.2829% | 2,037 |
| Noninterest income to average assets | 0.4967% | 4,635 |
| Noninterest expense to average assets | 2.3160% | 6,648 |
| Loan and lease loss provision to assets | 0.3728% | 3,445 |
| Net operating income to assets | 1.8570% | 482 |
| Return on assets (ROA) | 1.9714% | 360 |
| Pretax return on assets | 1.9432% | 705 |
| Return on Equity (ROE) | 21.4035% | 282 |
| Retained earnings to average equity (ytd only) | 16.7845% | 58 |
| Net charge-offs to loans | 0.4593% | 2,533 |
| Credit loss provision to net charge-offs | 116.8333% | 4,616 |
| Earnings coverage of net charge-offs (x) | 6.9000% | 3,246 |
| Efficiency ratio | 51.2655% | 7,568 |
| Assets per employee ($millions) | 3.5321% | 4,588 |
| Cash dividends to net income (ytd only)* | 21.5808% | 4,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0261% | 1,172 |
| Loan loss allowance to noncurrent loans | 73.1462% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 2.0940% | 2,352 |
| Noncurrent loans to loans | 2.7699% | 1,962 |
| Net loans and leases to total assets | 72.0287% | 3,575 |
| Net loans and leases to deposits | 83.4382% | 4,508 |
| Net loans and leases to core deposits | 95.9217% | 5,265 |
| Total domestic deposits to total assets | 86.3258% | 2,248 |
| Equity capital to assets | 9.7949% | 4,295 |
| Core capital (leverage) ratio | 9.5402% | 3,957 |
| Tier 1 risk-based capital ratio | 12.2723% | 4,609 |
| Total risk-based capital ratio | 13.5302% | 4,487 |
| Memoranda: | ||
| Average total assets | $188,042,200 | 3,292 |
| Average earning assets | $176,540,600 | 3,237 |
| Average equity | $17,319,600 | 3,680 |
| Average total loans | $130,627,600 | 3,259 |