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 | 5.3489% | 1,400 |
| Cost of funding earning assets | 2.5288% | 346 |
| Net interest margin | 2.8201% | 3,624 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.7317% | 4,097 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.0074% | 2,199 |
| Return on assets (ROA) | 1.0129% | 2,158 |
| Pretax return on assets | 1.0416% | 2,560 |
| Return on Equity (ROE) | 10.6800% | 2,312 |
| Retained earnings to average equity (ytd only) | 5.4275% | 2,429 |
| Net charge-offs to loans | -0.0028% | 3,735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.3365% | 3,039 |
| Assets per employee ($millions) | 10.3455% | 639 |
| Cash dividends to net income (ytd only)* | 49.1921% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 2,734 |
| Loan loss allowance to noncurrent loans | 960.2689% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 2,837 |
| Noncurrent loans to loans | 0.1166% | 2,938 |
| Net loans and leases to total assets | 87.8200% | 94 |
| Net loans and leases to deposits | 112.5214% | 155 |
| Net loans and leases to core deposits | 147.5698% | 221 |
| Total domestic deposits to total assets | 78.0500% | 3,720 |
| Equity capital to assets | 9.5228% | 2,331 |
| Core capital (leverage) ratio | 9.4948% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0978% | 2,803 |
| Memoranda: | ||
| Average total assets | $1,240,266,600 | 834 |
| Average earning assets | $1,194,867,400 | 798 |
| Average equity | $117,604,600 | 841 |
| Average total loans | $1,096,373,600 | 680 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2310% | 1,395 |
| Cost of funding earning assets | 2.3897% | 340 |
| Net interest margin | 2.8414% | 3,656 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.7403% | 4,064 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.0280% | 2,280 |
| Return on assets (ROA) | 1.0352% | 2,251 |
| Pretax return on assets | 1.0653% | 2,674 |
| Return on Equity (ROE) | 10.9300% | 2,391 |
| Retained earnings to average equity (ytd only) | 3.8398% | 3,302 |
| Net charge-offs to loans | -0.0027% | 3,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.9760% | 2,967 |
| Assets per employee ($millions) | 9.6502% | 759 |
| Cash dividends to net income (ytd only)* | 64.8683% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 2,822 |
| Loan loss allowance to noncurrent loans | 2,095.4849% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 3,336 |
| Noncurrent loans to loans | 0.0529% | 3,373 |
| Net loans and leases to total assets | 87.7800% | 88 |
| Net loans and leases to deposits | 114.6001% | 127 |
| Net loans and leases to core deposits | 151.7103% | 141 |
| Total domestic deposits to total assets | 76.6000% | 3,963 |
| Equity capital to assets | 9.1303% | 2,343 |
| Core capital (leverage) ratio | 9.4690% | 3,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9594% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,227,035,500 | 843 |
| Average earning assets | $1,183,290,250 | 808 |
| Average equity | $116,218,750 | 843 |
| Average total loans | $1,083,332,250 | 685 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0894% | 1,392 |
| Cost of funding earning assets | 2.1928% | 340 |
| Net interest margin | 2.8966% | 3,648 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.7464% | 4,087 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.0806% | 2,170 |
| Return on assets (ROA) | 1.0949% | 2,133 |
| Pretax return on assets | 1.1236% | 2,578 |
| Return on Equity (ROE) | 11.4200% | 2,319 |
| Retained earnings to average equity (ytd only) | 3.6699% | 3,293 |
| Net charge-offs to loans | -0.0030% | 3,607 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.9862% | 3,075 |
| Assets per employee ($millions) | 9.1827% | 858 |
| Cash dividends to net income (ytd only)* | 67.8528% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 2,903 |
| Loan loss allowance to noncurrent loans | 1,956.7308% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 3,276 |
| Noncurrent loans to loans | 0.0568% | 3,288 |
| Net loans and leases to total assets | 87.6300% | 92 |
| Net loans and leases to deposits | 121.3696% | 81 |
| Net loans and leases to core deposits | 141.5905% | 202 |
| Total domestic deposits to total assets | 72.2000% | 4,286 |
| Equity capital to assets | 9.4862% | 2,166 |
| Core capital (leverage) ratio | 9.6092% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2504% | 2,809 |
| Memoranda: | ||
| Average total assets | $1,211,436,667 | 842 |
| Average earning assets | $1,170,352,667 | 807 |
| Average equity | $116,190,000 | 840 |
| Average total loans | $1,067,537,667 | 679 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9355% | 1,355 |
| Cost of funding earning assets | 2.0097% | 293 |
| Net interest margin | 2.9258% | 3,749 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.7559% | 4,104 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.0921% | 2,257 |
| Return on assets (ROA) | 1.0911% | 2,223 |
| Pretax return on assets | 1.1152% | 2,669 |
| Return on Equity (ROE) | 11.3100% | 2,401 |
| Retained earnings to average equity (ytd only) | 4.3849% | 3,158 |
| Net charge-offs to loans | -0.0019% | 3,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.9502% | 3,077 |
| Assets per employee ($millions) | 9.2176% | 867 |
| Cash dividends to net income (ytd only)* | 61.2370% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,953 |
| Loan loss allowance to noncurrent loans | 2,233.2707% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 3,342 |
| Noncurrent loans to loans | 0.0502% | 3,384 |
| Net loans and leases to total assets | 87.4700% | 88 |
| Net loans and leases to deposits | 112.7192% | 142 |
| Net loans and leases to core deposits | 134.2486% | 236 |
| Total domestic deposits to total assets | 77.6000% | 4,039 |
| Equity capital to assets | 9.7703% | 1,950 |
| Core capital (leverage) ratio | 9.7888% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3999% | 2,883 |
| Memoranda: | ||
| Average total assets | $1,197,320,000 | 864 |
| Average earning assets | $1,157,169,000 | 832 |
| Average equity | $115,486,500 | 853 |
| Average total loans | $1,052,063,000 | 698 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 1,222 |
| Cost of funding earning assets | 0.9955% | 164 |
| Net interest margin | 3.2155% | 2,825 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.7247% | 4,131 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.4819% | 926 |
| Return on assets (ROA) | 1.4777% | 900 |
| Pretax return on assets | 1.5269% | 1,374 |
| Return on Equity (ROE) | 15.5300% | 1,140 |
| Retained earnings to average equity (ytd only) | 13.7900% | 411 |
| Net charge-offs to loans | 0.0033% | 2,354 |
| Credit loss provision to net charge-offs | 3,530.3030% | 168 |
| Earnings coverage of net charge-offs (x) | 571.0000% | 306 |
| Efficiency ratio | 51.3779% | 4,038 |
| Assets per employee ($millions) | 9.6480% | 748 |
| Cash dividends to net income (ytd only)* | 11.2316% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 2,865 |
| Loan loss allowance to noncurrent loans | 2,132.1033% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 3,356 |
| Noncurrent loans to loans | 0.0519% | 3,387 |
| Net loans and leases to total assets | 86.3100% | 139 |
| Net loans and leases to deposits | 122.6687% | 63 |
| Net loans and leases to core deposits | 127.5721% | 257 |
| Total domestic deposits to total assets | 70.3600% | 4,464 |
| Equity capital to assets | 9.5203% | 1,989 |
| Core capital (leverage) ratio | 9.7493% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3802% | 2,894 |
| Memoranda: | ||
| Average total assets | $1,154,462,600 | 877 |
| Average earning assets | $1,116,187,400 | 843 |
| Average equity | $109,811,800 | 886 |
| Average total loans | $998,399,000 | 682 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0394% | 1,187 |
| Cost of funding earning assets | 0.8035% | 150 |
| Net interest margin | 3.2360% | 2,511 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.7321% | 4,109 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.5092% | 834 |
| Return on assets (ROA) | 1.5035% | 823 |
| Pretax return on assets | 1.5535% | 1,254 |
| Return on Equity (ROE) | 15.8100% | 1,014 |
| Retained earnings to average equity (ytd only) | 13.4616% | 549 |
| Net charge-offs to loans | 0.0049% | 2,003 |
| Credit loss provision to net charge-offs | 2,391.6667% | 217 |
| Earnings coverage of net charge-offs (x) | 395.5833% | 389 |
| Efficiency ratio | 51.0669% | 4,080 |
| Assets per employee ($millions) | 9.1408% | 848 |
| Cash dividends to net income (ytd only)* | 14.8527% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,045 |
| Loan loss allowance to noncurrent loans | 564.4757% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 2,432 |
| Noncurrent loans to loans | 0.1939% | 2,630 |
| Net loans and leases to total assets | 86.8800% | 92 |
| Net loans and leases to deposits | 115.0298% | 76 |
| Net loans and leases to core deposits | 120.8782% | 246 |
| Total domestic deposits to total assets | 75.5300% | 4,387 |
| Equity capital to assets | 9.3276% | 1,995 |
| Core capital (leverage) ratio | 9.4843% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1503% | 3,017 |
| Memoranda: | ||
| Average total assets | $1,143,991,750 | 884 |
| Average earning assets | $1,106,658,250 | 856 |
| Average equity | $108,790,750 | 907 |
| Average total loans | $986,970,250 | 686 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 1,161 |
| Cost of funding earning assets | 0.7033% | 157 |
| Net interest margin | 3.1705% | 2,285 |
| Noninterest income to average assets | 0.2620% | 3,602 |
| Noninterest expense to average assets | 1.7428% | 4,068 |
| Loan and lease loss provision to assets | 0.0983% | 1,017 |
| Net operating income to assets | 1.4389% | 815 |
| Return on assets (ROA) | 1.4387% | 799 |
| Pretax return on assets | 1.4895% | 1,198 |
| Return on Equity (ROE) | 15.0300% | 882 |
| Retained earnings to average equity (ytd only) | 11.5039% | 698 |
| Net charge-offs to loans | 0.0084% | 1,671 |
| Credit loss provision to net charge-offs | 1,360.9756% | 330 |
| Earnings coverage of net charge-offs (x) | 219.8537% | 514 |
| Efficiency ratio | 52.3245% | 4,101 |
| Assets per employee ($millions) | 8.8853% | 925 |
| Cash dividends to net income (ytd only)* | 23.4603% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,220 |
| Loan loss allowance to noncurrent loans | 2,288.9121% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,575 |
| Noncurrent loans to loans | 0.0473% | 3,592 |
| Net loans and leases to total assets | 85.8489% | 92 |
| Net loans and leases to deposits | 112.8573% | 76 |
| Net loans and leases to core deposits | 118.8563% | 210 |
| Total domestic deposits to total assets | 76.0685% | 4,457 |
| Equity capital to assets | 9.2597% | 2,196 |
| Core capital (leverage) ratio | 9.2316% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7706% | 3,044 |
| Memoranda: | ||
| Average total assets | $1,135,316,667 | 885 |
| Average earning assets | $1,098,866,333 | 860 |
| Average equity | $108,676,000 | 912 |
| Average total loans | $973,361,667 | 686 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7614% | 1,157 |
| Cost of funding earning assets | 0.6852% | 161 |
| Net interest margin | 3.0761% | 2,249 |
| Noninterest income to average assets | 0.3179% | 3,194 |
| Noninterest expense to average assets | 1.8173% | 3,896 |
| Loan and lease loss provision to assets | 0.0906% | 913 |
| Net operating income to assets | 1.3385% | 924 |
| Return on assets (ROA) | 1.3388% | 913 |
| Pretax return on assets | 1.3898% | 1,276 |
| Return on Equity (ROE) | 13.7532% | 882 |
| Retained earnings to average equity (ytd only) | 6.7300% | 1,982 |
| Net charge-offs to loans | -0.0163% | 3,806 |
| Credit loss provision to net charge-offs | -651.2821% | 3,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1131% | 3,961 |
| Assets per employee ($millions) | 9.0127% | 909 |
| Cash dividends to net income (ytd only)* | 51.0661% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 3,295 |
| Loan loss allowance to noncurrent loans | 986.8324% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 3,135 |
| Noncurrent loans to loans | 0.1123% | 3,270 |
| Net loans and leases to total assets | 84.1878% | 82 |
| Net loans and leases to deposits | 101.1076% | 154 |
| Net loans and leases to core deposits | 113.8616% | 191 |
| Total domestic deposits to total assets | 83.2656% | 3,909 |
| Equity capital to assets | 9.3826% | 2,379 |
| Core capital (leverage) ratio | 8.9401% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6326% | 3,076 |
| Memoranda: | ||
| Average total assets | $1,120,989,000 | 898 |
| Average earning assets | $1,085,780,000 | 873 |
| Average equity | $109,124,000 | 937 |
| Average total loans | $954,943,500 | 691 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0929% | 1,170 |
| Cost of funding earning assets | 0.7952% | 207 |
| Net interest margin | 3.2977% | 2,321 |
| Noninterest income to average assets | 0.4403% | 2,857 |
| Noninterest expense to average assets | 1.8875% | 3,952 |
| Loan and lease loss provision to assets | 0.1075% | 1,177 |
| Net operating income to assets | 1.5932% | 827 |
| Return on assets (ROA) | 1.5876% | 872 |
| Pretax return on assets | 1.6192% | 1,373 |
| Return on Equity (ROE) | 15.3396% | 874 |
| Retained earnings to average equity (ytd only) | 4.2412% | 3,113 |
| Net charge-offs to loans | 0.0673% | 1,121 |
| Credit loss provision to net charge-offs | 191.3478% | 1,334 |
| Earnings coverage of net charge-offs (x) | 30.8319% | 1,589 |
| Efficiency ratio | 52.1424% | 4,105 |
| Assets per employee ($millions) | 8.9224% | 946 |
| Cash dividends to net income (ytd only)* | 72.3515% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 3,334 |
| Loan loss allowance to noncurrent loans | 1,046.5863% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 3,307 |
| Noncurrent loans to loans | 0.1056% | 3,398 |
| Net loans and leases to total assets | 84.3029% | 101 |
| Net loans and leases to deposits | 102.8850% | 146 |
| Net loans and leases to core deposits | 114.9587% | 218 |
| Total domestic deposits to total assets | 81.9390% | 3,977 |
| Equity capital to assets | 10.0960% | 2,561 |
| Core capital (leverage) ratio | 8.9293% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7614% | 3,066 |
| Memoranda: | ||
| Average total assets | $1,069,602,200 | 915 |
| Average earning assets | $1,031,322,800 | 880 |
| Average equity | $110,700,400 | 940 |
| Average total loans | $892,948,600 | 729 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 1,155 |
| Cost of funding earning assets | 0.8196% | 221 |
| Net interest margin | 3.3461% | 2,302 |
| Noninterest income to average assets | 0.4789% | 2,715 |
| Noninterest expense to average assets | 1.8961% | 3,953 |
| Loan and lease loss provision to assets | 0.1163% | 1,032 |
| Net operating income to assets | 1.6604% | 903 |
| Return on assets (ROA) | 1.6532% | 956 |
| Pretax return on assets | 1.6828% | 1,449 |
| Return on Equity (ROE) | 15.8715% | 976 |
| Retained earnings to average equity (ytd only) | 5.1074% | 3,177 |
| Net charge-offs to loans | 0.0859% | 829 |
| Credit loss provision to net charge-offs | 163.1393% | 1,310 |
| Earnings coverage of net charge-offs (x) | 25.3404% | 1,621 |
| Efficiency ratio | 51.2089% | 4,106 |
| Assets per employee ($millions) | 8.7999% | 955 |
| Cash dividends to net income (ytd only)* | 67.8202% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 3,284 |
| Loan loss allowance to noncurrent loans | 837.3977% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 3,365 |
| Noncurrent loans to loans | 0.1353% | 3,431 |
| Net loans and leases to total assets | 81.8239% | 200 |
| Net loans and leases to deposits | 100.5049% | 216 |
| Net loans and leases to core deposits | 112.8134% | 276 |
| Total domestic deposits to total assets | 81.4129% | 4,031 |
| Equity capital to assets | 10.2402% | 2,667 |
| Core capital (leverage) ratio | 8.9773% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2759% | 3,064 |
| Memoranda: | ||
| Average total assets | $1,060,409,750 | 931 |
| Average earning assets | $1,021,609,750 | 898 |
| Average equity | $110,450,750 | 954 |
| Average total loans | $880,403,750 | 752 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3119% | 987 |
| Cost of funding earning assets | 0.8324% | 247 |
| Net interest margin | 3.4795% | 1,919 |
| Noninterest income to average assets | 0.5314% | 2,484 |
| Noninterest expense to average assets | 1.9163% | 3,927 |
| Loan and lease loss provision to assets | 0.1333% | 926 |
| Net operating income to assets | 1.8022% | 711 |
| Return on assets (ROA) | 1.7912% | 767 |
| Pretax return on assets | 1.8211% | 1,186 |
| Return on Equity (ROE) | 17.0967% | 764 |
| Retained earnings to average equity (ytd only) | 7.0241% | 2,424 |
| Net charge-offs to loans | 0.1249% | 625 |
| Credit loss provision to net charge-offs | 128.4404% | 1,224 |
| Earnings coverage of net charge-offs (x) | 18.9376% | 1,555 |
| Efficiency ratio | 49.3647% | 4,280 |
| Assets per employee ($millions) | 8.8232% | 912 |
| Cash dividends to net income (ytd only)* | 58.9155% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 3,268 |
| Loan loss allowance to noncurrent loans | 222.8889% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 1,956 |
| Noncurrent loans to loans | 0.5089% | 2,152 |
| Net loans and leases to total assets | 79.9030% | 325 |
| Net loans and leases to deposits | 98.2622% | 304 |
| Net loans and leases to core deposits | 110.2799% | 352 |
| Total domestic deposits to total assets | 81.3161% | 4,040 |
| Equity capital to assets | 10.2160% | 2,653 |
| Core capital (leverage) ratio | 9.0686% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5254% | 3,035 |
| Memoranda: | ||
| Average total assets | $1,050,149,000 | 929 |
| Average earning assets | $1,011,237,000 | 902 |
| Average equity | $110,021,000 | 945 |
| Average total loans | $872,842,000 | 759 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 733 |
| Cost of funding earning assets | 0.8612% | 267 |
| Net interest margin | 3.6794% | 1,382 |
| Noninterest income to average assets | 0.5614% | 2,366 |
| Noninterest expense to average assets | 1.9911% | 3,748 |
| Loan and lease loss provision to assets | 0.1848% | 662 |
| Net operating income to assets | 1.9033% | 661 |
| Return on assets (ROA) | 1.9082% | 706 |
| Pretax return on assets | 1.9390% | 1,051 |
| Return on Equity (ROE) | 17.9759% | 729 |
| Retained earnings to average equity (ytd only) | 8.4511% | 2,106 |
| Net charge-offs to loans | 0.2565% | 332 |
| Credit loss provision to net charge-offs | 85.4317% | 1,187 |
| Earnings coverage of net charge-offs (x) | 9.7950% | 1,521 |
| Efficiency ratio | 48.4476% | 4,312 |
| Assets per employee ($millions) | 9.1938% | 778 |
| Cash dividends to net income (ytd only)* | 52.9867% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,376 |
| Loan loss allowance to noncurrent loans | 187.5886% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 1,900 |
| Noncurrent loans to loans | 0.5928% | 2,085 |
| Net loans and leases to total assets | 81.6596% | 242 |
| Net loans and leases to deposits | 101.3134% | 250 |
| Net loans and leases to core deposits | 111.2533% | 376 |
| Total domestic deposits to total assets | 80.6010% | 4,125 |
| Equity capital to assets | 10.2734% | 2,455 |
| Core capital (leverage) ratio | 9.2987% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2231% | 3,046 |
| Memoranda: | ||
| Average total assets | $1,028,182,500 | 934 |
| Average earning assets | $991,583,500 | 905 |
| Average equity | $109,146,000 | 939 |
| Average total loans | $867,146,000 | 759 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 897 |
| Cost of funding earning assets | 1.2068% | 268 |
| Net interest margin | 3.4913% | 2,501 |
| Noninterest income to average assets | 0.5457% | 2,438 |
| Noninterest expense to average assets | 1.9978% | 4,145 |
| Loan and lease loss provision to assets | 0.1844% | 2,110 |
| Net operating income to assets | 1.6858% | 521 |
| Return on assets (ROA) | 1.7496% | 475 |
| Pretax return on assets | 1.7831% | 711 |
| Return on Equity (ROE) | 16.0816% | 496 |
| Retained earnings to average equity (ytd only) | 11.7611% | 347 |
| Net charge-offs to loans | 0.0111% | 2,927 |
| Credit loss provision to net charge-offs | 1,900.0000% | 458 |
| Earnings coverage of net charge-offs (x) | 196.0330% | 472 |
| Efficiency ratio | 51.2236% | 4,449 |
| Assets per employee ($millions) | 8.3184% | 933 |
| Cash dividends to net income (ytd only)* | 26.8666% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 3,178 |
| Loan loss allowance to noncurrent loans | 181.3590% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5579% | 1,895 |
| Noncurrent loans to loans | 0.6379% | 2,089 |
| Net loans and leases to total assets | 85.2361% | 120 |
| Net loans and leases to deposits | 108.0081% | 193 |
| Net loans and leases to core deposits | 120.2145% | 305 |
| Total domestic deposits to total assets | 78.9164% | 4,211 |
| Equity capital to assets | 10.9839% | 2,265 |
| Core capital (leverage) ratio | 9.5338% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1509% | 3,072 |
| Memoranda: | ||
| Average total assets | $937,739,800 | 936 |
| Average earning assets | $900,976,200 | 899 |
| Average equity | $102,023,200 | 944 |
| Average total loans | $822,917,600 | 766 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9718% | 633 |
| Cost of funding earning assets | 1.2943% | 248 |
| Net interest margin | 3.6775% | 2,017 |
| Noninterest income to average assets | 0.5097% | 2,569 |
| Noninterest expense to average assets | 1.9860% | 4,178 |
| Loan and lease loss provision to assets | 0.2320% | 1,751 |
| Net operating income to assets | 1.7873% | 465 |
| Return on assets (ROA) | 1.7416% | 584 |
| Pretax return on assets | 1.7757% | 822 |
| Return on Equity (ROE) | 16.0492% | 543 |
| Retained earnings to average equity (ytd only) | 13.6244% | 272 |
| Net charge-offs to loans | 0.0152% | 2,581 |
| Credit loss provision to net charge-offs | 1,730.1075% | 547 |
| Earnings coverage of net charge-offs (x) | 153.1935% | 591 |
| Efficiency ratio | 49.1560% | 4,544 |
| Assets per employee ($millions) | 8.0417% | 979 |
| Cash dividends to net income (ytd only)* | 15.1089% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,041 |
| Loan loss allowance to noncurrent loans | 187.5577% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 2,048 |
| Noncurrent loans to loans | 0.6020% | 2,296 |
| Net loans and leases to total assets | 89.2406% | 54 |
| Net loans and leases to deposits | 113.7962% | 170 |
| Net loans and leases to core deposits | 127.4511% | 280 |
| Total domestic deposits to total assets | 78.4214% | 4,136 |
| Equity capital to assets | 11.1927% | 2,235 |
| Core capital (leverage) ratio | 9.4184% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3704% | 3,054 |
| Memoranda: | ||
| Average total assets | $924,703,000 | 935 |
| Average earning assets | $887,759,250 | 902 |
| Average equity | $100,347,000 | 950 |
| Average total loans | $815,243,000 | 764 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9429% | 904 |
| Cost of funding earning assets | 1.4075% | 222 |
| Net interest margin | 3.5354% | 2,687 |
| Noninterest income to average assets | 0.4635% | 2,746 |
| Noninterest expense to average assets | 1.9951% | 4,243 |
| Loan and lease loss provision to assets | 0.3149% | 1,362 |
| Net operating income to assets | 1.5113% | 909 |
| Return on assets (ROA) | 1.5128% | 977 |
| Pretax return on assets | 1.5471% | 1,348 |
| Return on Equity (ROE) | 14.0949% | 868 |
| Retained earnings to average equity (ytd only) | 10.3739% | 718 |
| Net charge-offs to loans | 0.0235% | 2,243 |
| Credit loss provision to net charge-offs | 1,530.8511% | 593 |
| Earnings coverage of net charge-offs (x) | 90.4468% | 746 |
| Efficiency ratio | 51.7453% | 4,377 |
| Assets per employee ($millions) | 8.1013% | 930 |
| Cash dividends to net income (ytd only)* | 26.3995% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 2,999 |
| Loan loss allowance to noncurrent loans | 96.0702% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.0506% | 1,116 |
| Noncurrent loans to loans | 1.1559% | 1,362 |
| Net loans and leases to total assets | 88.5201% | 50 |
| Net loans and leases to deposits | 114.1994% | 156 |
| Net loans and leases to core deposits | 129.0536% | 269 |
| Total domestic deposits to total assets | 77.5136% | 4,253 |
| Equity capital to assets | 10.5468% | 2,710 |
| Core capital (leverage) ratio | 9.2523% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8663% | 3,176 |
| Memoranda: | ||
| Average total assets | $913,948,000 | 929 |
| Average earning assets | $876,893,333 | 890 |
| Average equity | $98,092,333 | 962 |
| Average total loans | $799,071,667 | 772 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 1,630 |
| Cost of funding earning assets | 1.7363% | 112 |
| Net interest margin | 2.9897% | 4,296 |
| Noninterest income to average assets | 0.3438% | 3,463 |
| Noninterest expense to average assets | 2.0007% | 4,390 |
| Loan and lease loss provision to assets | 0.1431% | 1,956 |
| Net operating income to assets | 1.0292% | 2,078 |
| Return on assets (ROA) | 1.0305% | 2,175 |
| Pretax return on assets | 1.0660% | 2,620 |
| Return on Equity (ROE) | 9.5119% | 1,909 |
| Retained earnings to average equity (ytd only) | 5.3582% | 2,138 |
| Net charge-offs to loans | 0.0975% | 1,099 |
| Credit loss provision to net charge-offs | 170.0535% | 1,509 |
| Earnings coverage of net charge-offs (x) | 14.3529% | 1,601 |
| Efficiency ratio | 62.3562% | 3,457 |
| Assets per employee ($millions) | 7.9634% | 742 |
| Cash dividends to net income (ytd only)* | 43.6681% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 3,347 |
| Loan loss allowance to noncurrent loans | 81.6151% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.1772% | 1,067 |
| Noncurrent loans to loans | 1.3135% | 1,242 |
| Net loans and leases to total assets | 87.3620% | 81 |
| Net loans and leases to deposits | 113.4152% | 143 |
| Net loans and leases to core deposits | 124.0225% | 364 |
| Total domestic deposits to total assets | 77.0285% | 4,343 |
| Equity capital to assets | 10.9370% | 2,914 |
| Core capital (leverage) ratio | 9.2859% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6439% | 3,368 |
| Memoranda: | ||
| Average total assets | $888,897,500 | 919 |
| Average earning assets | $851,711,500 | 888 |
| Average equity | $96,300,500 | 970 |
| Average total loans | $767,127,500 | 772 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8483% | 1,899 |
| Cost of funding earning assets | 1.6240% | 269 |
| Net interest margin | 3.2243% | 4,137 |
| Noninterest income to average assets | 0.2559% | 4,151 |
| Noninterest expense to average assets | 1.8232% | 4,747 |
| Loan and lease loss provision to assets | 0.3059% | 543 |
| Net operating income to assets | 1.1725% | 2,165 |
| Return on assets (ROA) | 1.1659% | 2,288 |
| Pretax return on assets | 1.2037% | 2,838 |
| Return on Equity (ROE) | 10.4900% | 2,086 |
| Retained earnings to average equity (ytd only) | 3.5358% | 3,233 |
| Net charge-offs to loans | 0.2850% | 737 |
| Credit loss provision to net charge-offs | 126.0254% | 2,026 |
| Earnings coverage of net charge-offs (x) | 6.2476% | 2,990 |
| Efficiency ratio | 54.5761% | 4,365 |
| Assets per employee ($millions) | 7.5114% | 857 |
| Cash dividends to net income (ytd only)* | 66.2940% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 2,993 |
| Loan loss allowance to noncurrent loans | 74.5835% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.2527% | 908 |
| Noncurrent loans to loans | 1.4654% | 995 |
| Net loans and leases to total assets | 83.3941% | 381 |
| Net loans and leases to deposits | 101.8200% | 483 |
| Net loans and leases to core deposits | 124.2249% | 379 |
| Total domestic deposits to total assets | 81.9035% | 3,531 |
| Equity capital to assets | 10.7316% | 3,229 |
| Core capital (leverage) ratio | 9.2315% | 4,339 |
| Tier 1 risk-based capital ratio | 9.8552% | 5,134 |
| Total risk-based capital ratio | 10.8684% | 5,135 |
| Memoranda: | ||
| Average total assets | $843,805,600 | 934 |
| Average earning assets | $807,004,200 | 901 |
| Average equity | $93,784,200 | 943 |
| Average total loans | $718,604,400 | 791 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 1,901 |
| Cost of funding earning assets | 1.6112% | 280 |
| Net interest margin | 3.2626% | 4,163 |
| Noninterest income to average assets | 0.2369% | 4,318 |
| Noninterest expense to average assets | 1.8570% | 4,753 |
| Loan and lease loss provision to assets | 0.3181% | 447 |
| Net operating income to assets | 1.1420% | 2,404 |
| Return on assets (ROA) | 1.1327% | 2,530 |
| Pretax return on assets | 1.1713% | 3,068 |
| Return on Equity (ROE) | 10.0974% | 2,390 |
| Retained earnings to average equity (ytd only) | 2.4193% | 4,132 |
| Net charge-offs to loans | 0.3368% | 512 |
| Credit loss provision to net charge-offs | 110.5968% | 2,084 |
| Earnings coverage of net charge-offs (x) | 5.2125% | 2,937 |
| Efficiency ratio | 55.3097% | 4,241 |
| Assets per employee ($millions) | 7.3724% | 890 |
| Cash dividends to net income (ytd only)* | 76.0408% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 3,136 |
| Loan loss allowance to noncurrent loans | 66.8247% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 855 |
| Noncurrent loans to loans | 1.6137% | 915 |
| Net loans and leases to total assets | 82.5400% | 505 |
| Net loans and leases to deposits | 100.7443% | 583 |
| Net loans and leases to core deposits | 123.0708% | 438 |
| Total domestic deposits to total assets | 81.9302% | 3,490 |
| Equity capital to assets | 10.7953% | 3,297 |
| Core capital (leverage) ratio | 9.4486% | 4,220 |
| Tier 1 risk-based capital ratio | 9.8860% | 5,205 |
| Total risk-based capital ratio | 10.8802% | 5,200 |
| Memoranda: | ||
| Average total assets | $831,292,750 | 944 |
| Average earning assets | $794,732,750 | 910 |
| Average equity | $93,249,000 | 950 |
| Average total loans | $709,840,250 | 803 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8421% | 1,925 |
| Cost of funding earning assets | 1.5771% | 294 |
| Net interest margin | 3.2651% | 4,211 |
| Noninterest income to average assets | 0.1927% | 4,601 |
| Noninterest expense to average assets | 1.8347% | 4,834 |
| Loan and lease loss provision to assets | 0.2870% | 497 |
| Net operating income to assets | 1.1541% | 2,312 |
| Return on assets (ROA) | 1.1665% | 2,349 |
| Pretax return on assets | 1.2006% | 2,899 |
| Return on Equity (ROE) | 10.2606% | 2,263 |
| Retained earnings to average equity (ytd only) | 2.7748% | 3,821 |
| Net charge-offs to loans | 0.3750% | 443 |
| Credit loss provision to net charge-offs | 88.9142% | 2,145 |
| Earnings coverage of net charge-offs (x) | 4.5687% | 2,728 |
| Efficiency ratio | 55.3992% | 4,327 |
| Assets per employee ($millions) | 6.9391% | 1,026 |
| Cash dividends to net income (ytd only)* | 72.9565% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 3,291 |
| Loan loss allowance to noncurrent loans | 58.7714% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.5847% | 687 |
| Noncurrent loans to loans | 1.8010% | 836 |
| Net loans and leases to total assets | 85.5568% | 247 |
| Net loans and leases to deposits | 104.6193% | 394 |
| Net loans and leases to core deposits | 128.8145% | 343 |
| Total domestic deposits to total assets | 81.7791% | 3,585 |
| Equity capital to assets | 11.3856% | 2,716 |
| Core capital (leverage) ratio | 9.5975% | 4,044 |
| Tier 1 risk-based capital ratio | 10.3936% | 5,139 |
| Total risk-based capital ratio | 11.3996% | 5,134 |
| Memoranda: | ||
| Average total assets | $815,950,330 | 959 |
| Average earning assets | $778,913,670 | 924 |
| Average equity | $92,762,330 | 951 |
| Average total loans | $702,442,330 | 813 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 2,024 |
| Cost of funding earning assets | 1.4931% | 333 |
| Net interest margin | 3.2702% | 4,230 |
| Noninterest income to average assets | 0.1460% | 4,864 |
| Noninterest expense to average assets | 1.9086% | 4,786 |
| Loan and lease loss provision to assets | 0.1593% | 1,060 |
| Net operating income to assets | 1.1744% | 2,157 |
| Return on assets (ROA) | 1.1768% | 2,194 |
| Pretax return on assets | 1.2108% | 2,766 |
| Return on Equity (ROE) | 10.3587% | 2,213 |
| Retained earnings to average equity (ytd only) | 3.0520% | 3,714 |
| Net charge-offs to loans | 0.4731% | 323 |
| Credit loss provision to net charge-offs | 39.1990% | 2,036 |
| Earnings coverage of net charge-offs (x) | 3.3653% | 2,407 |
| Efficiency ratio | 58.1815% | 4,055 |
| Assets per employee ($millions) | 7.0954% | 960 |
| Cash dividends to net income (ytd only)* | 70.5365% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,558 |
| Loan loss allowance to noncurrent loans | 75.4478% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.2020% | 1,114 |
| Noncurrent loans to loans | 1.3579% | 1,193 |
| Net loans and leases to total assets | 85.2827% | 253 |
| Net loans and leases to deposits | 105.1817% | 350 |
| Net loans and leases to core deposits | 129.1316% | 318 |
| Total domestic deposits to total assets | 81.0813% | 3,955 |
| Equity capital to assets | 11.3785% | 2,500 |
| Core capital (leverage) ratio | 9.8420% | 3,775 |
| Tier 1 risk-based capital ratio | 10.5807% | 5,155 |
| Total risk-based capital ratio | 11.5640% | 5,154 |
| Memoranda: | ||
| Average total assets | $811,047,000 | 963 |
| Average earning assets | $776,353,500 | 929 |
| Average equity | $92,135,000 | 948 |
| Average total loans | $696,639,000 | 821 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 1,960 |
| Cost of funding earning assets | 1.2222% | 307 |
| Net interest margin | 3.4369% | 3,890 |
| Noninterest income to average assets | 0.2041% | 4,693 |
| Noninterest expense to average assets | 1.8535% | 4,949 |
| Loan and lease loss provision to assets | 0.3357% | 463 |
| Net operating income to assets | 1.2666% | 1,925 |
| Return on assets (ROA) | 1.2570% | 1,949 |
| Pretax return on assets | 1.2921% | 2,530 |
| Return on Equity (ROE) | 11.2225% | 1,995 |
| Retained earnings to average equity (ytd only) | 6.3785% | 1,986 |
| Net charge-offs to loans | 0.2094% | 912 |
| Credit loss provision to net charge-offs | 189.8499% | 1,505 |
| Earnings coverage of net charge-offs (x) | 9.2623% | 2,823 |
| Efficiency ratio | 53.0191% | 4,715 |
| Assets per employee ($millions) | 7.0098% | 972 |
| Cash dividends to net income (ytd only)* | 43.1631% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 3,002 |
| Loan loss allowance to noncurrent loans | 72.3992% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.3509% | 923 |
| Noncurrent loans to loans | 1.5417% | 975 |
| Net loans and leases to total assets | 84.6632% | 352 |
| Net loans and leases to deposits | 107.7349% | 315 |
| Net loans and leases to core deposits | 131.1756% | 298 |
| Total domestic deposits to total assets | 78.5847% | 4,392 |
| Equity capital to assets | 11.3413% | 2,377 |
| Core capital (leverage) ratio | 9.7862% | 3,817 |
| Tier 1 risk-based capital ratio | 10.6312% | 5,132 |
| Total risk-based capital ratio | 11.6976% | 5,104 |
| Memoranda: | ||
| Average total assets | $791,244,200 | 958 |
| Average earning assets | $756,765,400 | 928 |
| Average equity | $88,625,800 | 951 |
| Average total loans | $668,116,400 | 823 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5225% | 2,218 |
| Cost of funding earning assets | 1.1613% | 307 |
| Net interest margin | 3.3612% | 4,133 |
| Noninterest income to average assets | 0.1981% | 4,788 |
| Noninterest expense to average assets | 1.9299% | 4,858 |
| Loan and lease loss provision to assets | 0.3560% | 377 |
| Net operating income to assets | 1.0921% | 2,700 |
| Return on assets (ROA) | 1.0950% | 2,707 |
| Pretax return on assets | 1.1303% | 3,278 |
| Return on Equity (ROE) | 9.8080% | 2,707 |
| Retained earnings to average equity (ytd only) | 5.0405% | 3,217 |
| Net charge-offs to loans | 0.2892% | 577 |
| Credit loss provision to net charge-offs | 146.3466% | 1,744 |
| Earnings coverage of net charge-offs (x) | 6.0967% | 2,914 |
| Efficiency ratio | 56.4683% | 4,320 |
| Assets per employee ($millions) | 6.6672% | 1,105 |
| Cash dividends to net income (ytd only)* | 48.6086% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,475 |
| Loan loss allowance to noncurrent loans | 49.4990% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.8299% | 623 |
| Noncurrent loans to loans | 2.1170% | 676 |
| Net loans and leases to total assets | 83.9529% | 458 |
| Net loans and leases to deposits | 107.1461% | 389 |
| Net loans and leases to core deposits | 158.4595% | 96 |
| Total domestic deposits to total assets | 78.3537% | 4,429 |
| Equity capital to assets | 11.1032% | 2,572 |
| Core capital (leverage) ratio | 9.5982% | 4,062 |
| Tier 1 risk-based capital ratio | 10.5436% | 5,226 |
| Total risk-based capital ratio | 11.5508% | 5,218 |
| Memoranda: | ||
| Average total assets | $787,524,000 | 962 |
| Average earning assets | $753,280,500 | 932 |
| Average equity | $87,926,000 | 948 |
| Average total loans | $662,596,750 | 832 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5465% | 1,947 |
| Cost of funding earning assets | 1.1008% | 292 |
| Net interest margin | 3.4457% | 3,817 |
| Noninterest income to average assets | 0.1856% | 4,899 |
| Noninterest expense to average assets | 1.9422% | 4,898 |
| Loan and lease loss provision to assets | 0.2144% | 774 |
| Net operating income to assets | 1.2927% | 1,801 |
| Return on assets (ROA) | 1.2890% | 1,817 |
| Pretax return on assets | 1.3244% | 2,419 |
| Return on Equity (ROE) | 11.5136% | 1,904 |
| Retained earnings to average equity (ytd only) | 6.8046% | 2,164 |
| Net charge-offs to loans | 0.1865% | 839 |
| Credit loss provision to net charge-offs | 137.0310% | 1,667 |
| Earnings coverage of net charge-offs (x) | 9.8581% | 2,370 |
| Efficiency ratio | 55.6589% | 4,525 |
| Assets per employee ($millions) | 6.5360% | 1,162 |
| Cash dividends to net income (ytd only)* | 40.8992% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,457 |
| Loan loss allowance to noncurrent loans | 55.4734% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.6367% | 772 |
| Noncurrent loans to loans | 1.9223% | 798 |
| Net loans and leases to total assets | 83.4435% | 527 |
| Net loans and leases to deposits | 102.2008% | 647 |
| Net loans and leases to core deposits | 153.9987% | 100 |
| Total domestic deposits to total assets | 81.6466% | 3,828 |
| Equity capital to assets | 11.3371% | 2,318 |
| Core capital (leverage) ratio | 9.6943% | 3,895 |
| Tier 1 risk-based capital ratio | 10.8429% | 5,133 |
| Total risk-based capital ratio | 11.8749% | 5,120 |
| Memoranda: | ||
| Average total assets | $783,427,000 | 969 |
| Average earning assets | $750,159,000 | 937 |
| Average equity | $87,705,000 | 953 |
| Average total loans | $657,200,670 | 840 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 2,015 |
| Cost of funding earning assets | 1.0559% | 286 |
| Net interest margin | 3.3971% | 3,893 |
| Noninterest income to average assets | 0.1911% | 4,879 |
| Noninterest expense to average assets | 2.0424% | 4,771 |
| Loan and lease loss provision to assets | 0.2146% | 744 |
| Net operating income to assets | 1.1516% | 2,210 |
| Return on assets (ROA) | 1.1561% | 2,203 |
| Pretax return on assets | 1.1913% | 2,790 |
| Return on Equity (ROE) | 10.3929% | 2,231 |
| Retained earnings to average equity (ytd only) | 5.2263% | 3,069 |
| Net charge-offs to loans | 0.3371% | 455 |
| Credit loss provision to net charge-offs | 76.0870% | 1,782 |
| Earnings coverage of net charge-offs (x) | 4.9692% | 2,265 |
| Efficiency ratio | 59.2345% | 4,172 |
| Assets per employee ($millions) | 6.4901% | 1,203 |
| Cash dividends to net income (ytd only)* | 49.7128% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 3,829 |
| Loan loss allowance to noncurrent loans | 62.7931% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.3893% | 1,050 |
| Noncurrent loans to loans | 1.6292% | 1,066 |
| Net loans and leases to total assets | 83.1685% | 522 |
| Net loans and leases to deposits | 99.6377% | 736 |
| Net loans and leases to core deposits | 152.5420% | 109 |
| Total domestic deposits to total assets | 83.4709% | 3,513 |
| Equity capital to assets | 11.1937% | 2,392 |
| Core capital (leverage) ratio | 9.4714% | 4,098 |
| Tier 1 risk-based capital ratio | 10.6753% | 5,291 |
| Total risk-based capital ratio | 11.6643% | 5,304 |
| Memoranda: | ||
| Average total assets | $782,981,500 | 975 |
| Average earning assets | $749,691,000 | 944 |
| Average equity | $87,098,000 | 964 |
| Average total loans | $655,043,000 | 841 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3773% | 2,088 |
| Cost of funding earning assets | 0.8458% | 492 |
| Net interest margin | 3.5315% | 3,420 |
| Noninterest income to average assets | 0.1945% | 4,979 |
| Noninterest expense to average assets | 1.8597% | 5,178 |
| Loan and lease loss provision to assets | 0.4690% | 287 |
| Net operating income to assets | 1.1990% | 1,529 |
| Return on assets (ROA) | 1.1937% | 1,566 |
| Pretax return on assets | 1.2349% | 2,613 |
| Return on Equity (ROE) | 10.8820% | 1,533 |
| Retained earnings to average equity (ytd only) | 7.8795% | 807 |
| Net charge-offs to loans | 0.4269% | 576 |
| Credit loss provision to net charge-offs | 135.9970% | 1,943 |
| Earnings coverage of net charge-offs (x) | 4.9566% | 3,392 |
| Efficiency ratio | 52.0332% | 5,099 |
| Assets per employee ($millions) | 6.7278% | 1,090 |
| Cash dividends to net income (ytd only)* | 27.5915% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 3,677 |
| Loan loss allowance to noncurrent loans | 112.1571% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 1,948 |
| Noncurrent loans to loans | 0.9284% | 1,925 |
| Net loans and leases to total assets | 82.4286% | 623 |
| Net loans and leases to deposits | 105.9243% | 403 |
| Net loans and leases to core deposits | 138.5181% | 229 |
| Total domestic deposits to total assets | 77.8185% | 4,741 |
| Equity capital to assets | 11.0548% | 2,577 |
| Core capital (leverage) ratio | 9.5147% | 4,031 |
| Tier 1 risk-based capital ratio | 10.3756% | 5,414 |
| Total risk-based capital ratio | 11.3714% | 5,437 |
| Memoranda: | ||
| Average total assets | $762,058,000 | 972 |
| Average earning assets | $728,186,000 | 947 |
| Average equity | $83,596,600 | 968 |
| Average total loans | $615,650,400 | 851 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 2,102 |
| Cost of funding earning assets | 0.8914% | 369 |
| Net interest margin | 3.4609% | 3,634 |
| Noninterest income to average assets | 0.1891% | 5,067 |
| Noninterest expense to average assets | 1.8151% | 5,256 |
| Loan and lease loss provision to assets | 0.5236% | 214 |
| Net operating income to assets | 1.1165% | 2,009 |
| Return on assets (ROA) | 1.1088% | 2,108 |
| Pretax return on assets | 1.1490% | 3,121 |
| Return on Equity (ROE) | 10.1277% | 2,073 |
| Retained earnings to average equity (ytd only) | 7.5543% | 1,410 |
| Net charge-offs to loans | 0.3971% | 536 |
| Credit loss provision to net charge-offs | 164.5233% | 1,570 |
| Earnings coverage of net charge-offs (x) | 5.2810% | 3,128 |
| Efficiency ratio | 51.8470% | 5,110 |
| Assets per employee ($millions) | 6.5396% | 1,157 |
| Cash dividends to net income (ytd only)* | 25.4097% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 3,385 |
| Loan loss allowance to noncurrent loans | 43.4233% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 2.1464% | 579 |
| Noncurrent loans to loans | 2.5780% | 570 |
| Net loans and leases to total assets | 81.3296% | 785 |
| Net loans and leases to deposits | 101.2931% | 659 |
| Net loans and leases to core deposits | 153.7961% | 102 |
| Total domestic deposits to total assets | 80.2913% | 4,260 |
| Equity capital to assets | 11.1511% | 2,716 |
| Core capital (leverage) ratio | 9.3698% | 4,325 |
| Tier 1 risk-based capital ratio | 10.3388% | 5,501 |
| Total risk-based capital ratio | 11.3910% | 5,523 |
| Memoranda: | ||
| Average total assets | $755,785,000 | 983 |
| Average earning assets | $722,111,500 | 955 |
| Average equity | $82,741,250 | 985 |
| Average total loans | $605,647,000 | 868 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 2,082 |
| Cost of funding earning assets | 0.8801% | 348 |
| Net interest margin | 3.4330% | 3,655 |
| Noninterest income to average assets | 0.1873% | 5,114 |
| Noninterest expense to average assets | 1.7495% | 5,368 |
| Loan and lease loss provision to assets | 0.6037% | 184 |
| Net operating income to assets | 1.0775% | 2,091 |
| Return on assets (ROA) | 1.0637% | 2,192 |
| Pretax return on assets | 1.1033% | 3,159 |
| Return on Equity (ROE) | 9.7775% | 2,138 |
| Retained earnings to average equity (ytd only) | 8.0164% | 1,158 |
| Net charge-offs to loans | 0.4882% | 403 |
| Credit loss provision to net charge-offs | 155.7231% | 1,491 |
| Earnings coverage of net charge-offs (x) | 4.4400% | 2,928 |
| Efficiency ratio | 50.3292% | 5,287 |
| Assets per employee ($millions) | 7.0200% | 924 |
| Cash dividends to net income (ytd only)* | 18.0115% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 3,594 |
| Loan loss allowance to noncurrent loans | 76.1114% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.1932% | 1,426 |
| Noncurrent loans to loans | 1.4424% | 1,317 |
| Net loans and leases to total assets | 80.2835% | 913 |
| Net loans and leases to deposits | 93.6517% | 1,298 |
| Net loans and leases to core deposits | 130.6704% | 296 |
| Total domestic deposits to total assets | 85.7256% | 2,517 |
| Equity capital to assets | 11.2054% | 2,584 |
| Core capital (leverage) ratio | 9.0449% | 4,676 |
| Tier 1 risk-based capital ratio | 10.4099% | 5,504 |
| Total risk-based capital ratio | 11.4374% | 5,519 |
| Memoranda: | ||
| Average total assets | $752,670,330 | 991 |
| Average earning assets | $719,887,330 | 962 |
| Average equity | $81,881,670 | 995 |
| Average total loans | $597,755,670 | 883 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 2,544 |
| Cost of funding earning assets | 0.7780% | 557 |
| Net interest margin | 3.3538% | 3,827 |
| Noninterest income to average assets | 0.1779% | 5,209 |
| Noninterest expense to average assets | 1.6973% | 5,481 |
| Loan and lease loss provision to assets | 0.6865% | 148 |
| Net operating income to assets | 0.9572% | 2,494 |
| Return on assets (ROA) | 0.9572% | 2,552 |
| Pretax return on assets | 0.9981% | 3,378 |
| Return on Equity (ROE) | 8.9326% | 2,450 |
| Retained earnings to average equity (ytd only) | 8.9326% | 1,103 |
| Net charge-offs to loans | 0.4340% | 424 |
| Credit loss provision to net charge-offs | 201.4019% | 1,012 |
| Earnings coverage of net charge-offs (x) | 4.9424% | 2,333 |
| Efficiency ratio | 50.1099% | 5,368 |
| Assets per employee ($millions) | 7.1784% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 3,883 |
| Loan loss allowance to noncurrent loans | 112.7629% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.7598% | 2,399 |
| Noncurrent loans to loans | 0.9492% | 2,143 |
| Net loans and leases to total assets | 76.1206% | 1,398 |
| Net loans and leases to deposits | 88.0908% | 1,784 |
| Net loans and leases to core deposits | 105.6444% | 1,130 |
| Total domestic deposits to total assets | 86.4115% | 2,490 |
| Equity capital to assets | 10.6554% | 3,006 |
| Core capital (leverage) ratio | 9.0830% | 4,642 |
| Tier 1 risk-based capital ratio | 10.5155% | 5,532 |
| Total risk-based capital ratio | 11.5184% | 5,572 |
| Memoranda: | ||
| Average total assets | $753,433,500 | 988 |
| Average earning assets | $719,790,500 | 961 |
| Average equity | $80,738,000 | 1,006 |
| Average total loans | $591,764,000 | 884 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3543% | 1,972 |
| Cost of funding earning assets | 0.8157% | 460 |
| Net interest margin | 3.5385% | 3,293 |
| Noninterest income to average assets | 0.2363% | 5,002 |
| Noninterest expense to average assets | 1.7277% | 5,538 |
| Loan and lease loss provision to assets | 0.3578% | 471 |
| Net operating income to assets | 1.4852% | 859 |
| Return on assets (ROA) | 1.4800% | 888 |
| Pretax return on assets | 1.5203% | 1,528 |
| Return on Equity (ROE) | 13.4545% | 890 |
| Retained earnings to average equity (ytd only) | 8.2175% | 782 |
| Net charge-offs to loans | 0.3375% | 813 |
| Credit loss provision to net charge-offs | 134.4462% | 2,016 |
| Earnings coverage of net charge-offs (x) | 7.0779% | 3,078 |
| Efficiency ratio | 47.7663% | 5,580 |
| Assets per employee ($millions) | 6.9045% | 962 |
| Cash dividends to net income (ytd only)* | 38.9233% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 4,380 |
| Loan loss allowance to noncurrent loans | 177.3522% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 3,396 |
| Noncurrent loans to loans | 0.5596% | 3,164 |
| Net loans and leases to total assets | 79.4077% | 975 |
| Net loans and leases to deposits | 95.0247% | 1,089 |
| Net loans and leases to core deposits | 150.3384% | 111 |
| Total domestic deposits to total assets | 83.5654% | 3,579 |
| Equity capital to assets | 10.7790% | 2,838 |
| Core capital (leverage) ratio | 8.9254% | 4,830 |
| Tier 1 risk-based capital ratio | 10.2165% | 5,678 |
| Total risk-based capital ratio | 11.1475% | 5,729 |
| Memoranda: | ||
| Average total assets | $709,142,200 | 1,013 |
| Average earning assets | $676,327,200 | 984 |
| Average equity | $78,003,800 | 1,016 |
| Average total loans | $559,086,400 | 887 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 1,963 |
| Cost of funding earning assets | 0.8199% | 449 |
| Net interest margin | 3.5431% | 3,299 |
| Noninterest income to average assets | 0.2132% | 5,190 |
| Noninterest expense to average assets | 1.7360% | 5,587 |
| Loan and lease loss provision to assets | 0.1387% | 1,693 |
| Net operating income to assets | 1.6738% | 627 |
| Return on assets (ROA) | 1.6789% | 659 |
| Pretax return on assets | 1.7189% | 1,064 |
| Return on Equity (ROE) | 15.1824% | 648 |
| Retained earnings to average equity (ytd only) | 9.4916% | 691 |
| Net charge-offs to loans | 0.1232% | 1,728 |
| Credit loss provision to net charge-offs | 143.4185% | 1,831 |
| Earnings coverage of net charge-offs (x) | 19.1552% | 1,956 |
| Efficiency ratio | 48.2978% | 5,581 |
| Assets per employee ($millions) | 7.0435% | 878 |
| Cash dividends to net income (ytd only)* | 37.4830% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 4,766 |
| Loan loss allowance to noncurrent loans | 101.4892% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 2,705 |
| Noncurrent loans to loans | 0.9140% | 2,418 |
| Net loans and leases to total assets | 78.7368% | 1,076 |
| Net loans and leases to deposits | 97.3107% | 920 |
| Net loans and leases to core deposits | 150.5005% | 122 |
| Total domestic deposits to total assets | 80.9127% | 4,265 |
| Equity capital to assets | 10.9385% | 3,077 |
| Core capital (leverage) ratio | 8.8733% | 4,975 |
| Tier 1 risk-based capital ratio | 10.1503% | 5,747 |
| Total risk-based capital ratio | 11.0194% | 5,822 |
| Memoranda: | ||
| Average total assets | $701,732,500 | 1,025 |
| Average earning assets | $668,517,500 | 996 |
| Average equity | $77,596,500 | 1,030 |
| Average total loans | $550,725,500 | 895 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2717% | 2,244 |
| Cost of funding earning assets | 0.7422% | 658 |
| Net interest margin | 3.5295% | 3,374 |
| Noninterest income to average assets | 0.2136% | 5,213 |
| Noninterest expense to average assets | 1.7628% | 5,633 |
| Loan and lease loss provision to assets | 0.1088% | 2,050 |
| Net operating income to assets | 1.6625% | 625 |
| Return on assets (ROA) | 1.6656% | 661 |
| Pretax return on assets | 1.7059% | 1,075 |
| Return on Equity (ROE) | 15.0047% | 665 |
| Retained earnings to average equity (ytd only) | 8.3168% | 1,067 |
| Net charge-offs to loans | 0.1843% | 1,240 |
| Credit loss provision to net charge-offs | 75.6048% | 2,414 |
| Earnings coverage of net charge-offs (x) | 12.5847% | 2,177 |
| Efficiency ratio | 49.2368% | 5,609 |
| Assets per employee ($millions) | 6.8745% | 917 |
| Cash dividends to net income (ytd only)* | 44.5722% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 4,877 |
| Loan loss allowance to noncurrent loans | 91.7744% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 0.7877% | 2,629 |
| Noncurrent loans to loans | 1.0069% | 2,275 |
| Net loans and leases to total assets | 75.9021% | 1,506 |
| Net loans and leases to deposits | 95.9730% | 1,082 |
| Net loans and leases to core deposits | 152.1002% | 113 |
| Total domestic deposits to total assets | 79.0869% | 4,764 |
| Equity capital to assets | 10.9220% | 3,147 |
| Core capital (leverage) ratio | 8.8770% | 4,966 |
| Tier 1 risk-based capital ratio | 10.0775% | 5,830 |
| Total risk-based capital ratio | 10.9171% | 5,893 |
| Memoranda: | ||
| Average total assets | $689,119,330 | 1,040 |
| Average earning assets | $656,183,670 | 1,011 |
| Average equity | $76,496,000 | 1,042 |
| Average total loans | $538,378,330 | 909 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 2,212 |
| Cost of funding earning assets | 0.7905% | 511 |
| Net interest margin | 3.4861% | 3,526 |
| Noninterest income to average assets | 0.2039% | 5,278 |
| Noninterest expense to average assets | 1.7855% | 5,668 |
| Loan and lease loss provision to assets | 0.0892% | 2,195 |
| Net operating income to assets | 1.6155% | 681 |
| Return on assets (ROA) | 1.6190% | 719 |
| Pretax return on assets | 1.6600% | 1,156 |
| Return on Equity (ROE) | 14.4599% | 754 |
| Retained earnings to average equity (ytd only) | 8.1035% | 1,411 |
| Net charge-offs to loans | 0.3314% | 669 |
| Credit loss provision to net charge-offs | 34.0909% | 2,187 |
| Earnings coverage of net charge-offs (x) | 6.6727% | 2,224 |
| Efficiency ratio | 50.4799% | 5,601 |
| Assets per employee ($millions) | 7.4627% | 719 |
| Cash dividends to net income (ytd only)* | 43.9589% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 4,971 |
| Loan loss allowance to noncurrent loans | 82.3363% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8817% | 2,483 |
| Noncurrent loans to loans | 1.1234% | 2,147 |
| Net loans and leases to total assets | 76.2524% | 1,352 |
| Net loans and leases to deposits | 88.6268% | 1,747 |
| Net loans and leases to core deposits | 140.0726% | 167 |
| Total domestic deposits to total assets | 86.0376% | 2,654 |
| Equity capital to assets | 11.0211% | 2,914 |
| Core capital (leverage) ratio | 9.1231% | 4,705 |
| Tier 1 risk-based capital ratio | 10.3628% | 5,801 |
| Total risk-based capital ratio | 11.2208% | 5,879 |
| Memoranda: | ||
| Average total assets | $672,768,500 | 1,052 |
| Average earning assets | $642,096,500 | 1,023 |
| Average equity | $75,325,500 | 1,054 |
| Average total loans | $531,074,000 | 920 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3782% | 1,975 |
| Cost of funding earning assets | 0.8568% | 358 |
| Net interest margin | 3.5214% | 3,448 |
| Noninterest income to average assets | 0.2595% | 5,038 |
| Noninterest expense to average assets | 1.6039% | 5,912 |
| Loan and lease loss provision to assets | 0.1080% | 2,191 |
| Net operating income to assets | 1.8440% | 451 |
| Return on assets (ROA) | 1.8400% | 464 |
| Pretax return on assets | 1.8790% | 686 |
| Return on Equity (ROE) | 16.5632% | 501 |
| Retained earnings to average equity (ytd only) | 9.3690% | 566 |
| Net charge-offs to loans | -0.0065% | 5,024 |
| Credit loss provision to net charge-offs | -2,090.9091% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5098% | 5,965 |
| Assets per employee ($millions) | 7.0054% | 890 |
| Cash dividends to net income (ytd only)* | 43.4346% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 4,667 |
| Loan loss allowance to noncurrent loans | 237.8809% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 4,160 |
| Noncurrent loans to loans | 0.4165% | 3,959 |
| Net loans and leases to total assets | 80.2389% | 816 |
| Net loans and leases to deposits | 93.9604% | 1,204 |
| Net loans and leases to core deposits | 141.6596% | 147 |
| Total domestic deposits to total assets | 85.3965% | 2,903 |
| Equity capital to assets | 11.3831% | 2,460 |
| Core capital (leverage) ratio | 9.3298% | 4,432 |
| Tier 1 risk-based capital ratio | 10.0538% | 5,941 |
| Total risk-based capital ratio | 10.9582% | 5,995 |
| Memoranda: | ||
| Average total assets | $638,649,200 | 1,073 |
| Average earning assets | $604,925,400 | 1,035 |
| Average equity | $70,946,600 | 1,078 |
| Average total loans | $508,278,000 | 923 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4526% | 1,748 |
| Cost of funding earning assets | 1.0129% | 169 |
| Net interest margin | 3.4397% | 3,797 |
| Noninterest income to average assets | 0.3841% | 4,192 |
| Noninterest expense to average assets | 1.7041% | 5,893 |
| Loan and lease loss provision to assets | 0.1264% | 1,788 |
| Net operating income to assets | 1.8256% | 490 |
| Return on assets (ROA) | 1.8245% | 514 |
| Pretax return on assets | 1.8642% | 778 |
| Return on Equity (ROE) | 18.2498% | 386 |
| Retained earnings to average equity (ytd only) | 18.2498% | 86 |
| Net charge-offs to loans | 0.0118% | 3,759 |
| Credit loss provision to net charge-offs | 1,260.0000% | 289 |
| Earnings coverage of net charge-offs (x) | 198.5350% | 361 |
| Efficiency ratio | 46.1071% | 5,959 |
| Assets per employee ($millions) | 7.7766% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 5,168 |
| Loan loss allowance to noncurrent loans | 1,082.9167% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 5,477 |
| Noncurrent loans to loans | 0.0841% | 5,293 |
| Net loans and leases to total assets | 82.6630% | 507 |
| Net loans and leases to deposits | 97.2825% | 883 |
| Net loans and leases to core deposits | 173.3328% | 59 |
| Total domestic deposits to total assets | 84.9721% | 3,025 |
| Equity capital to assets | 10.4021% | 3,707 |
| Core capital (leverage) ratio | 9.3992% | 4,444 |
| Tier 1 risk-based capital ratio | 10.4714% | 5,894 |
| Total risk-based capital ratio | 11.3293% | 5,969 |
| Memoranda: | ||
| Average total assets | $332,216,000 | 1,991 |
| Average earning assets | $319,863,500 | 1,903 |
| Average equity | $33,212,250 | 2,152 |
| Average total loans | $282,737,500 | 1,544 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 1,642 |
| Cost of funding earning assets | 1.0065% | 177 |
| Net interest margin | 3.4578% | 3,670 |
| Noninterest income to average assets | 0.4019% | 4,072 |
| Noninterest expense to average assets | 1.7860% | 5,870 |
| Loan and lease loss provision to assets | 0.1459% | 1,474 |
| Net operating income to assets | 1.7627% | 551 |
| Return on assets (ROA) | 1.7866% | 555 |
| Pretax return on assets | 1.8243% | 857 |
| Return on Equity (ROE) | 18.1254% | 407 |
| Retained earnings to average equity (ytd only) | 18.1254% | 101 |
| Net charge-offs to loans | -0.0064% | 4,798 |
| Credit loss provision to net charge-offs | -2,666.6667% | 5,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8573% | 5,969 |
| Assets per employee ($millions) | 7.5899% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 5,333 |
| Loan loss allowance to noncurrent loans | 1,052.6749% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 5,574 |
| Noncurrent loans to loans | 0.0846% | 5,403 |
| Net loans and leases to total assets | 85.2653% | 279 |
| Net loans and leases to deposits | 100.3606% | 631 |
| Net loans and leases to core deposits | 179.7691% | 55 |
| Total domestic deposits to total assets | 84.9590% | 3,142 |
| Equity capital to assets | 10.1280% | 3,899 |
| Core capital (leverage) ratio | 8.8812% | 5,116 |
| Tier 1 risk-based capital ratio | 9.8549% | 6,131 |
| Total risk-based capital ratio | 10.6920% | 6,188 |
| Memoranda: | ||
| Average total assets | $328,898,000 | 2,021 |
| Average earning assets | $316,731,000 | 1,936 |
| Average equity | $32,418,670 | 2,202 |
| Average total loans | $281,834,330 | 1,551 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 2,019 |
| Cost of funding earning assets | 0.9913% | 193 |
| Net interest margin | 3.3319% | 4,087 |
| Noninterest income to average assets | 0.3836% | 4,131 |
| Noninterest expense to average assets | 1.6570% | 6,053 |
| Loan and lease loss provision to assets | 0.1655% | 1,212 |
| Net operating income to assets | 1.7352% | 547 |
| Return on assets (ROA) | 1.7808% | 526 |
| Pretax return on assets | 1.8127% | 847 |
| Return on Equity (ROE) | 18.3248% | 363 |
| Retained earnings to average equity (ytd only) | 18.3248% | 136 |
| Net charge-offs to loans | -0.0072% | 4,603 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1749% | 6,094 |
| Assets per employee ($millions) | 7.4326% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 5,523 |
| Loan loss allowance to noncurrent loans | 613.7845% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 5,478 |
| Noncurrent loans to loans | 0.1418% | 5,269 |
| Net loans and leases to total assets | 83.4002% | 347 |
| Net loans and leases to deposits | 97.5673% | 712 |
| Net loans and leases to core deposits | 174.4651% | 64 |
| Total domestic deposits to total assets | 85.4796% | 3,186 |
| Equity capital to assets | 9.7358% | 4,451 |
| Core capital (leverage) ratio | 9.0027% | 4,947 |
| Tier 1 risk-based capital ratio | 9.9588% | 6,179 |
| Total risk-based capital ratio | 10.8107% | 6,242 |
| Memoranda: | ||
| Average total assets | $326,370,000 | 2,043 |
| Average earning assets | $313,932,000 | 1,970 |
| Average equity | $31,716,500 | 2,247 |
| Average total loans | $279,099,000 | 1,562 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 1,294 |
| Cost of funding earning assets | 1.0981% | 135 |
| Net interest margin | 3.6072% | 3,391 |
| Noninterest income to average assets | 0.4401% | 3,902 |
| Noninterest expense to average assets | 1.8587% | 5,993 |
| Loan and lease loss provision to assets | 0.1541% | 1,704 |
| Net operating income to assets | 1.8421% | 435 |
| Return on assets (ROA) | 1.8175% | 478 |
| Pretax return on assets | 1.8566% | 703 |
| Return on Equity (ROE) | 18.7702% | 334 |
| Retained earnings to average equity (ytd only) | 18.7702% | 76 |
| Net charge-offs to loans | 0.0652% | 3,554 |
| Credit loss provision to net charge-offs | 275.6410% | 925 |
| Earnings coverage of net charge-offs (x) | 36.4103% | 1,165 |
| Efficiency ratio | 47.7269% | 6,192 |
| Assets per employee ($millions) | 7.0727% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 5,674 |
| Loan loss allowance to noncurrent loans | 701.8237% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 5,620 |
| Noncurrent loans to loans | 0.1189% | 5,421 |
| Net loans and leases to total assets | 86.2448% | 194 |
| Net loans and leases to deposits | 105.6832% | 369 |
| Net loans and leases to core deposits | 182.0306% | 56 |
| Total domestic deposits to total assets | 81.6069% | 4,568 |
| Equity capital to assets | 9.6993% | 4,471 |
| Core capital (leverage) ratio | 9.1090% | 4,811 |
| Tier 1 risk-based capital ratio | 9.7549% | 6,310 |
| Total risk-based capital ratio | 10.5837% | 6,353 |
| Memoranda: | ||
| Average total assets | $279,011,800 | 2,287 |
| Average earning assets | $267,191,400 | 2,218 |
| Average equity | $27,016,200 | 2,489 |
| Average total loans | $239,386,400 | 1,766 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 1,342 |
| Cost of funding earning assets | 1.1245% | 123 |
| Net interest margin | 3.5615% | 3,588 |
| Noninterest income to average assets | 0.5136% | 3,454 |
| Noninterest expense to average assets | 1.8776% | 5,986 |
| Loan and lease loss provision to assets | 0.1560% | 1,594 |
| Net operating income to assets | 1.8454% | 469 |
| Return on assets (ROA) | 1.8172% | 514 |
| Pretax return on assets | 1.8583% | 783 |
| Return on Equity (ROE) | 18.7768% | 374 |
| Retained earnings to average equity (ytd only) | 18.7768% | 92 |
| Net charge-offs to loans | -0.0087% | 5,399 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8903% | 6,206 |
| Assets per employee ($millions) | 6.5754% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 5,401 |
| Loan loss allowance to noncurrent loans | 662.4650% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 5,675 |
| Noncurrent loans to loans | 0.1443% | 5,483 |
| Net loans and leases to total assets | 84.7043% | 282 |
| Net loans and leases to deposits | 99.2508% | 655 |
| Net loans and leases to core deposits | 170.8192% | 62 |
| Total domestic deposits to total assets | 85.3438% | 3,192 |
| Equity capital to assets | 9.6424% | 4,622 |
| Core capital (leverage) ratio | 8.6391% | 5,512 |
| Tier 1 risk-based capital ratio | 9.7868% | 6,390 |
| Total risk-based capital ratio | 10.7402% | 6,413 |
| Memoranda: | ||
| Average total assets | $269,196,750 | 2,380 |
| Average earning assets | $257,528,750 | 2,306 |
| Average equity | $26,052,750 | 2,572 |
| Average total loans | $230,032,500 | 1,831 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 1,375 |
| Cost of funding earning assets | 1.1476% | 117 |
| Net interest margin | 3.5107% | 3,739 |
| Noninterest income to average assets | 0.6187% | 2,721 |
| Noninterest expense to average assets | 1.9574% | 5,903 |
| Loan and lease loss provision to assets | 0.1600% | 1,551 |
| Net operating income to assets | 1.8243% | 469 |
| Return on assets (ROA) | 1.7974% | 512 |
| Pretax return on assets | 1.8302% | 796 |
| Return on Equity (ROE) | 18.5471% | 408 |
| Retained earnings to average equity (ytd only) | 18.5471% | 112 |
| Net charge-offs to loans | -0.0098% | 5,316 |
| Credit loss provision to net charge-offs | -1,909.0909% | 5,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2429% | 6,211 |
| Assets per employee ($millions) | 6.4527% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 5,510 |
| Loan loss allowance to noncurrent loans | 508.1081% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 5,675 |
| Noncurrent loans to loans | 0.1895% | 5,441 |
| Net loans and leases to total assets | 83.6104% | 328 |
| Net loans and leases to deposits | 101.9145% | 455 |
| Net loans and leases to core deposits | 106.5777% | 866 |
| Total domestic deposits to total assets | 82.0397% | 4,634 |
| Equity capital to assets | 9.6346% | 4,578 |
| Core capital (leverage) ratio | 8.4731% | 5,658 |
| Tier 1 risk-based capital ratio | 9.8101% | 6,448 |
| Total risk-based capital ratio | 10.7738% | 6,475 |
| Memoranda: | ||
| Average total assets | $262,490,000 | 2,434 |
| Average earning assets | $250,948,670 | 2,348 |
| Average equity | $25,438,000 | 2,620 |
| Average total loans | $224,233,670 | 1,873 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5965% | 1,515 |
| Cost of funding earning assets | 1.1491% | 122 |
| Net interest margin | 3.4474% | 3,910 |
| Noninterest income to average assets | 1.0431% | 1,030 |
| Noninterest expense to average assets | 1.9184% | 6,037 |
| Loan and lease loss provision to assets | 0.1647% | 1,475 |
| Net operating income to assets | 2.2056% | 236 |
| Return on assets (ROA) | 2.1349% | 284 |
| Pretax return on assets | 2.1678% | 375 |
| Return on Equity (ROE) | 21.9600% | 198 |
| Retained earnings to average equity (ytd only) | 21.9600% | 86 |
| Net charge-offs to loans | -0.0201% | 5,361 |
| Credit loss provision to net charge-offs | -954.5455% | 5,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3759% | 6,485 |
| Assets per employee ($millions) | 7.1784% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 5,662 |
| Loan loss allowance to noncurrent loans | 527.2059% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 5,792 |
| Noncurrent loans to loans | 0.1822% | 5,552 |
| Net loans and leases to total assets | 81.3010% | 420 |
| Net loans and leases to deposits | 95.3170% | 696 |
| Net loans and leases to core deposits | 99.0319% | 1,174 |
| Total domestic deposits to total assets | 85.2955% | 3,726 |
| Equity capital to assets | 9.3511% | 4,697 |
| Core capital (leverage) ratio | 8.7250% | 5,352 |
| Tier 1 risk-based capital ratio | 9.8006% | 6,515 |
| Total risk-based capital ratio | 10.7602% | 6,530 |
| Memoranda: | ||
| Average total assets | $255,001,000 | 2,505 |
| Average earning assets | $242,619,000 | 2,414 |
| Average equity | $24,790,500 | 2,665 |
| Average total loans | $219,226,500 | 1,902 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2244% | 606 |
| Cost of funding earning assets | 1.1957% | 184 |
| Net interest margin | 4.0287% | 1,873 |
| Noninterest income to average assets | 0.5352% | 3,516 |
| Noninterest expense to average assets | 2.2011% | 5,624 |
| Loan and lease loss provision to assets | 0.1963% | 1,886 |
| Net operating income to assets | 1.8508% | 441 |
| Return on assets (ROA) | 1.8244% | 469 |
| Pretax return on assets | 1.8627% | 662 |
| Return on Equity (ROE) | 17.2231% | 487 |
| Retained earnings to average equity (ytd only) | 16.5317% | 136 |
| Net charge-offs to loans | 0.0090% | 5,273 |
| Credit loss provision to net charge-offs | 2,411.7647% | 96 |
| Earnings coverage of net charge-offs (x) | 256.2941% | 176 |
| Efficiency ratio | 51.1893% | 6,353 |
| Assets per employee ($millions) | 6.2427% | 1,115 |
| Cash dividends to net income (ytd only)* | 4.0147% | 4,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 5,763 |
| Loan loss allowance to noncurrent loans | 851.4644% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 4,490 |
| Noncurrent loans to loans | 0.1114% | 5,872 |
| Net loans and leases to total assets | 89.5760% | 48 |
| Net loans and leases to deposits | 106.4775% | 246 |
| Net loans and leases to core deposits | 112.6990% | 505 |
| Total domestic deposits to total assets | 84.1267% | 4,115 |
| Equity capital to assets | 10.1479% | 3,571 |
| Core capital (leverage) ratio | 9.3802% | 4,435 |
| Tier 1 risk-based capital ratio | 9.4698% | 6,607 |
| Total risk-based capital ratio | 10.4050% | 6,629 |
| Memoranda: | ||
| Average total assets | $208,891,400 | 2,926 |
| Average earning assets | $194,529,400 | 2,897 |
| Average equity | $22,127,200 | 2,916 |
| Average total loans | $188,722,800 | 2,114 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0879% | 789 |
| Cost of funding earning assets | 1.2148% | 187 |
| Net interest margin | 3.8731% | 2,372 |
| Noninterest income to average assets | 0.7974% | 2,160 |
| Noninterest expense to average assets | 2.2674% | 5,443 |
| Loan and lease loss provision to assets | 0.2279% | 1,589 |
| Net operating income to assets | 1.8558% | 470 |
| Return on assets (ROA) | 1.8453% | 499 |
| Pretax return on assets | 1.8849% | 728 |
| Return on Equity (ROE) | 17.2079% | 521 |
| Retained earnings to average equity (ytd only) | 16.2652% | 152 |
| Net charge-offs to loans | -0.0037% | 5,742 |
| Credit loss provision to net charge-offs | -6,900.0000% | 6,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4294% | 6,293 |
| Assets per employee ($millions) | 5.5959% | 1,540 |
| Cash dividends to net income (ytd only)* | 5.4778% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 5,662 |
| Loan loss allowance to noncurrent loans | 743.2836% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.6635% | 4,449 |
| Noncurrent loans to loans | 0.1361% | 5,918 |
| Net loans and leases to total assets | 91.6420% | 22 |
| Net loans and leases to deposits | 115.7182% | 99 |
| Net loans and leases to core deposits | 117.5648% | 360 |
| Total domestic deposits to total assets | 79.1941% | 5,702 |
| Equity capital to assets | 10.7399% | 3,022 |
| Core capital (leverage) ratio | 9.5909% | 4,263 |
| Tier 1 risk-based capital ratio | 9.6575% | 6,664 |
| Total risk-based capital ratio | 10.6523% | 6,667 |
| Memoranda: | ||
| Average total assets | $201,808,750 | 3,039 |
| Average earning assets | $187,237,750 | 3,016 |
| Average equity | $21,640,750 | 3,002 |
| Average total loans | $182,271,250 | 2,179 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0509% | 842 |
| Cost of funding earning assets | 1.2548% | 172 |
| Net interest margin | 3.7961% | 2,572 |
| Noninterest income to average assets | 0.9243% | 1,733 |
| Noninterest expense to average assets | 2.2957% | 5,385 |
| Loan and lease loss provision to assets | 0.2422% | 1,539 |
| Net operating income to assets | 1.8564% | 463 |
| Return on assets (ROA) | 1.8234% | 526 |
| Pretax return on assets | 1.8638% | 801 |
| Return on Equity (ROE) | 17.0137% | 555 |
| Retained earnings to average equity (ytd only) | 17.0137% | 156 |
| Net charge-offs to loans | 0.0902% | 3,465 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,240 |
| Efficiency ratio | 51.4448% | 6,315 |
| Assets per employee ($millions) | 5.3415% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 5,879 |
| Loan loss allowance to noncurrent loans | 170.6439% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 3,571 |
| Noncurrent loans to loans | 0.5782% | 4,814 |
| Net loans and leases to total assets | 89.0870% | 62 |
| Net loans and leases to deposits | 106.4208% | 215 |
| Net loans and leases to core deposits | 108.9122% | 606 |
| Total domestic deposits to total assets | 83.7120% | 4,447 |
| Equity capital to assets | 10.8682% | 2,876 |
| Core capital (leverage) ratio | 9.1497% | 4,758 |
| Tier 1 risk-based capital ratio | 10.3037% | 6,567 |
| Total risk-based capital ratio | 11.3070% | 6,597 |
| Memoranda: | ||
| Average total assets | $198,196,330 | 3,088 |
| Average earning assets | $183,294,670 | 3,071 |
| Average equity | $21,241,670 | 3,069 |
| Average total loans | $177,406,670 | 2,228 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0557% | 813 |
| Cost of funding earning assets | 1.2475% | 195 |
| Net interest margin | 3.8082% | 2,417 |
| Noninterest income to average assets | 0.8641% | 1,887 |
| Noninterest expense to average assets | 1.9591% | 6,185 |
| Loan and lease loss provision to assets | 0.2758% | 1,280 |
| Net operating income to assets | 2.1306% | 272 |
| Return on assets (ROA) | 2.1246% | 303 |
| Pretax return on assets | 2.1654% | 445 |
| Return on Equity (ROE) | 19.9688% | 295 |
| Retained earnings to average equity (ytd only) | 19.9688% | 144 |
| Net charge-offs to loans | 0.1922% | 2,262 |
| Credit loss provision to net charge-offs | 160.7143% | 1,297 |
| Earnings coverage of net charge-offs (x) | 14.2619% | 1,466 |
| Efficiency ratio | 44.1354% | 6,771 |
| Assets per employee ($millions) | 5.3435% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 6,060 |
| Loan loss allowance to noncurrent loans | 157.6350% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 1.1214% | 3,696 |
| Noncurrent loans to loans | 0.6196% | 4,899 |
| Net loans and leases to total assets | 86.8179% | 98 |
| Net loans and leases to deposits | 104.4260% | 223 |
| Net loans and leases to core deposits | 107.0139% | 603 |
| Total domestic deposits to total assets | 83.1383% | 4,812 |
| Equity capital to assets | 10.8003% | 3,199 |
| Core capital (leverage) ratio | 9.5244% | 4,038 |
| Tier 1 risk-based capital ratio | 9.8207% | 6,717 |
| Total risk-based capital ratio | 10.7584% | 6,751 |
| Memoranda: | ||
| Average total assets | $195,805,500 | 3,146 |
| Average earning assets | $182,131,000 | 3,117 |
| Average equity | $20,832,500 | 3,153 |
| Average total loans | $174,795,500 | 2,273 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3487% | 828 |
| Cost of funding earning assets | 1.4645% | 195 |
| Net interest margin | 3.8842% | 2,899 |
| Noninterest income to average assets | 0.6184% | 3,177 |
| Noninterest expense to average assets | 2.4812% | 5,160 |
| Loan and lease loss provision to assets | 0.4362% | 1,457 |
| Net operating income to assets | 1.2127% | 1,560 |
| Return on assets (ROA) | 1.1784% | 1,836 |
| Pretax return on assets | 1.2179% | 2,733 |
| Return on Equity (ROE) | 10.8225% | 1,865 |
| Retained earnings to average equity (ytd only) | 8.1588% | 1,069 |
| Net charge-offs to loans | 0.0020% | 5,963 |
| Credit loss provision to net charge-offs | 24,666.6667% | 8 |
| Earnings coverage of net charge-offs (x) | 955.3333% | 32 |
| Efficiency ratio | 59.0954% | 5,689 |
| Assets per employee ($millions) | 5.2406% | 1,956 |
| Cash dividends to net income (ytd only)* | 24.6123% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 6,187 |
| Loan loss allowance to noncurrent loans | 136.3787% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 1.5085% | 3,123 |
| Noncurrent loans to loans | 0.6831% | 4,833 |
| Net loans and leases to total assets | 90.0502% | 43 |
| Net loans and leases to deposits | 114.2444% | 110 |
| Net loans and leases to core deposits | 116.4882% | 346 |
| Total domestic deposits to total assets | 78.8224% | 5,929 |
| Equity capital to assets | 10.4753% | 3,553 |
| Core capital (leverage) ratio | 9.2879% | 4,438 |
| Tier 1 risk-based capital ratio | 9.3404% | 6,819 |
| Total risk-based capital ratio | 10.2597% | 6,848 |
| Memoranda: | ||
| Average total assets | $169,636,600 | 3,461 |
| Average earning assets | $155,141,400 | 3,466 |
| Average equity | $18,470,800 | 3,410 |
| Average total loans | $149,656,200 | 2,579 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4306% | 783 |
| Cost of funding earning assets | 1.5016% | 200 |
| Net interest margin | 3.9290% | 2,808 |
| Noninterest income to average assets | 0.6032% | 3,255 |
| Noninterest expense to average assets | 2.4625% | 5,209 |
| Loan and lease loss provision to assets | 0.4442% | 1,419 |
| Net operating income to assets | 1.2361% | 1,613 |
| Return on assets (ROA) | 1.1950% | 1,936 |
| Pretax return on assets | 1.2308% | 2,867 |
| Return on Equity (ROE) | 10.8527% | 2,008 |
| Retained earnings to average equity (ytd only) | 7.5658% | 1,812 |
| Net charge-offs to loans | 0.0177% | 5,429 |
| Credit loss provision to net charge-offs | 2,868.4211% | 95 |
| Earnings coverage of net charge-offs (x) | 110.9064% | 386 |
| Efficiency ratio | 58.5023% | 5,718 |
| Assets per employee ($millions) | 4.7933% | 2,458 |
| Cash dividends to net income (ytd only)* | 30.2867% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 6,372 |
| Loan loss allowance to noncurrent loans | 114.5717% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.7079% | 3,034 |
| Noncurrent loans to loans | 0.7875% | 4,829 |
| Net loans and leases to total assets | 88.6192% | 76 |
| Net loans and leases to deposits | 108.6781% | 182 |
| Net loans and leases to core deposits | 113.8537% | 438 |
| Total domestic deposits to total assets | 81.5428% | 5,176 |
| Equity capital to assets | 10.5999% | 3,733 |
| Core capital (leverage) ratio | 8.9243% | 5,161 |
| Tier 1 risk-based capital ratio | 9.6747% | 6,876 |
| Total risk-based capital ratio | 10.5860% | 6,912 |
| Memoranda: | ||
| Average total assets | $163,570,000 | 3,588 |
| Average earning assets | $148,905,750 | 3,609 |
| Average equity | $18,010,500 | 3,500 |
| Average total loans | $143,007,250 | 2,709 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3708% | 924 |
| Cost of funding earning assets | 1.5183% | 226 |
| Net interest margin | 3.8525% | 3,124 |
| Noninterest income to average assets | 0.5296% | 3,727 |
| Noninterest expense to average assets | 2.5148% | 5,091 |
| Loan and lease loss provision to assets | 0.4403% | 1,478 |
| Net operating income to assets | 1.0375% | 2,311 |
| Return on assets (ROA) | 0.9851% | 2,763 |
| Pretax return on assets | 1.0190% | 3,639 |
| Return on Equity (ROE) | 8.8237% | 2,883 |
| Retained earnings to average equity (ytd only) | 3.8202% | 4,072 |
| Net charge-offs to loans | 0.0145% | 5,229 |
| Credit loss provision to net charge-offs | 3,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 120.3000% | 365 |
| Efficiency ratio | 61.9925% | 5,247 |
| Assets per employee ($millions) | 4.5242% | 2,856 |
| Cash dividends to net income (ytd only)* | 56.7050% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 6,585 |
| Loan loss allowance to noncurrent loans | 96.5865% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.9308% | 2,874 |
| Noncurrent loans to loans | 0.8697% | 4,758 |
| Net loans and leases to total assets | 87.7941% | 87 |
| Net loans and leases to deposits | 107.6124% | 191 |
| Net loans and leases to core deposits | 112.3141% | 499 |
| Total domestic deposits to total assets | 81.5837% | 5,271 |
| Equity capital to assets | 10.5451% | 3,630 |
| Core capital (leverage) ratio | 9.0142% | 4,890 |
| Tier 1 risk-based capital ratio | 9.5548% | 6,919 |
| Total risk-based capital ratio | 10.3894% | 6,968 |
| Memoranda: | ||
| Average total assets | $158,976,330 | 3,687 |
| Average earning assets | $144,373,000 | 3,706 |
| Average equity | $17,747,670 | 3,535 |
| Average total loans | $137,810,330 | 2,786 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 871 |
| Cost of funding earning assets | 1.5396% | 241 |
| Net interest margin | 3.8891% | 2,973 |
| Noninterest income to average assets | 0.4678% | 4,157 |
| Noninterest expense to average assets | 2.4811% | 5,209 |
| Loan and lease loss provision to assets | 0.4264% | 1,470 |
| Net operating income to assets | 1.0356% | 2,344 |
| Return on assets (ROA) | 1.0106% | 2,629 |
| Pretax return on assets | 1.0467% | 3,510 |
| Return on Equity (ROE) | 8.7887% | 2,913 |
| Retained earnings to average equity (ytd only) | 4.6978% | 3,748 |
| Net charge-offs to loans | 0.0121% | 4,539 |
| Credit loss provision to net charge-offs | 4,125.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 252 |
| Efficiency ratio | 61.8831% | 5,294 |
| Assets per employee ($millions) | 4.6663% | 2,711 |
| Cash dividends to net income (ytd only)* | 46.5473% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 6,735 |
| Loan loss allowance to noncurrent loans | 67.6825% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 2.2846% | 2,609 |
| Noncurrent loans to loans | 1.1842% | 4,354 |
| Net loans and leases to total assets | 85.6820% | 130 |
| Net loans and leases to deposits | 102.0165% | 307 |
| Net loans and leases to core deposits | 103.5449% | 790 |
| Total domestic deposits to total assets | 83.9884% | 4,497 |
| Equity capital to assets | 11.3535% | 2,575 |
| Core capital (leverage) ratio | 9.4614% | 4,098 |
| Tier 1 risk-based capital ratio | 10.2126% | 6,823 |
| Total risk-based capital ratio | 10.9839% | 6,929 |
| Memoranda: | ||
| Average total assets | $154,767,000 | 3,788 |
| Average earning assets | $139,776,000 | 3,822 |
| Average equity | $17,795,500 | 3,530 |
| Average total loans | $132,611,500 | 2,898 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4781% | 1,215 |
| Cost of funding earning assets | 1.7902% | 222 |
| Net interest margin | 3.6879% | 4,352 |
| Noninterest income to average assets | 0.6746% | 2,760 |
| Noninterest expense to average assets | 3.0460% | 3,413 |
| Loan and lease loss provision to assets | 0.2108% | 4,078 |
| Net operating income to assets | 0.7261% | 3,350 |
| Return on assets (ROA) | 0.6929% | 3,710 |
| Pretax return on assets | 0.7152% | 4,267 |
| Return on Equity (ROE) | 5.9174% | 3,910 |
| Retained earnings to average equity (ytd only) | 3.7569% | 3,544 |
| Net charge-offs to loans | 0.1929% | 4,597 |
| Credit loss provision to net charge-offs | 131.1881% | 2,326 |
| Earnings coverage of net charge-offs (x) | 5.9752% | 2,628 |
| Efficiency ratio | 75.4964% | 2,975 |
| Assets per employee ($millions) | 4.7135% | 2,575 |
| Cash dividends to net income (ytd only)* | 36.5098% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6845% | 6,926 |
| Loan loss allowance to noncurrent loans | 31.2177% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 2.2354% | 2,697 |
| Noncurrent loans to loans | 2.1926% | 2,958 |
| Net loans and leases to total assets | 84.4200% | 193 |
| Net loans and leases to deposits | 111.6485% | 149 |
| Net loans and leases to core deposits | 112.9877% | 540 |
| Total domestic deposits to total assets | 75.6124% | 6,532 |
| Equity capital to assets | 11.6416% | 2,392 |
| Core capital (leverage) ratio | 11.4944% | 1,896 |
| Tier 1 risk-based capital ratio | 10.4880% | 6,688 |
| Total risk-based capital ratio | 11.1251% | 6,877 |
| Memoranda: | ||
| Average total assets | $125,707,000 | 4,256 |
| Average earning assets | $113,561,200 | 4,290 |
| Average equity | $14,719,400 | 3,965 |
| Average total loans | $104,723,000 | 3,508 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7155% | 828 |
| Cost of funding earning assets | 1.9101% | 173 |
| Net interest margin | 3.8053% | 3,849 |
| Noninterest income to average assets | 0.5965% | 3,187 |
| Noninterest expense to average assets | 3.0929% | 3,187 |
| Loan and lease loss provision to assets | 0.2142% | 3,880 |
| Net operating income to assets | 0.7032% | 3,604 |
| Return on assets (ROA) | 0.6675% | 3,958 |
| Pretax return on assets | 0.6957% | 4,496 |
| Return on Equity (ROE) | 5.6898% | 4,185 |
| Retained earnings to average equity (ytd only) | 2.6335% | 4,784 |
| Net charge-offs to loans | 0.1213% | 4,821 |
| Credit loss provision to net charge-offs | 213.4831% | 1,358 |
| Earnings coverage of net charge-offs (x) | 9.4385% | 2,046 |
| Efficiency ratio | 75.9699% | 2,843 |
| Assets per employee ($millions) | 3.6815% | 4,570 |
| Cash dividends to net income (ytd only)* | 53.7165% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 6,555 |
| Loan loss allowance to noncurrent loans | 351.8657% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.7885% | 5,195 |
| Noncurrent loans to loans | 0.2599% | 6,355 |
| Net loans and leases to total assets | 84.0851% | 219 |
| Net loans and leases to deposits | 101.7024% | 403 |
| Net loans and leases to core deposits | 103.0276% | 1,036 |
| Total domestic deposits to total assets | 82.6776% | 4,807 |
| Equity capital to assets | 11.4067% | 2,771 |
| Core capital (leverage) ratio | 9.0333% | 4,876 |
| Tier 1 risk-based capital ratio | 9.5176% | 7,051 |
| Total risk-based capital ratio | 10.3633% | 7,101 |
| Memoranda: | ||
| Average total assets | $118,247,250 | 4,478 |
| Average earning assets | $107,004,750 | 4,504 |
| Average equity | $13,872,250 | 4,147 |
| Average total loans | $97,849,500 | 3,704 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6396% | 991 |
| Cost of funding earning assets | 1.9639% | 162 |
| Net interest margin | 3.6757% | 4,377 |
| Noninterest income to average assets | 0.6418% | 2,895 |
| Noninterest expense to average assets | 3.0965% | 3,269 |
| Loan and lease loss provision to assets | 0.2048% | 3,879 |
| Net operating income to assets | 0.6447% | 3,823 |
| Return on assets (ROA) | 0.6026% | 4,191 |
| Pretax return on assets | 0.6316% | 4,643 |
| Return on Equity (ROE) | 5.0876% | 4,410 |
| Retained earnings to average equity (ytd only) | 5.0876% | 2,951 |
| Net charge-offs to loans | 0.1894% | 4,022 |
| Credit loss provision to net charge-offs | 131.8681% | 2,316 |
| Earnings coverage of net charge-offs (x) | 5.6703% | 2,560 |
| Efficiency ratio | 77.2532% | 2,819 |
| Assets per employee ($millions) | 3.9260% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 6,734 |
| Loan loss allowance to noncurrent loans | 392.3423% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.7743% | 5,347 |
| Noncurrent loans to loans | 0.2213% | 6,462 |
| Net loans and leases to total assets | 84.4242% | 220 |
| Net loans and leases to deposits | 103.8107% | 326 |
| Net loans and leases to core deposits | 105.6134% | 949 |
| Total domestic deposits to total assets | 81.3252% | 5,414 |
| Equity capital to assets | 11.8909% | 2,174 |
| Core capital (leverage) ratio | 9.1577% | 4,479 |
| Tier 1 risk-based capital ratio | 9.8126% | 7,029 |
| Total risk-based capital ratio | 10.6124% | 7,128 |
| Memoranda: | ||
| Average total assets | $117,166,330 | 4,532 |
| Average earning assets | $106,320,000 | 4,555 |
| Average equity | $13,877,000 | 4,148 |
| Average total loans | $96,100,000 | 3,792 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4935% | 1,321 |
| Cost of funding earning assets | 2.0209% | 155 |
| Net interest margin | 3.4726% | 5,136 |
| Noninterest income to average assets | 0.7599% | 2,219 |
| Noninterest expense to average assets | 3.0738% | 3,366 |
| Loan and lease loss provision to assets | 0.2054% | 3,589 |
| Net operating income to assets | 0.6033% | 4,021 |
| Return on assets (ROA) | 0.5545% | 4,338 |
| Pretax return on assets | 0.5819% | 4,752 |
| Return on Equity (ROE) | 4.6912% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.6912% | 3,381 |
| Net charge-offs to loans | 0.0426% | 4,519 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 983 |
| Efficiency ratio | 77.9528% | 2,852 |
| Assets per employee ($millions) | 3.9781% | 3,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 6,475 |
| Loan loss allowance to noncurrent loans | 295.3642% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 5,245 |
| Noncurrent loans to loans | 0.3309% | 6,332 |
| Net loans and leases to total assets | 75.7254% | 1,066 |
| Net loans and leases to deposits | 92.8398% | 940 |
| Net loans and leases to core deposits | 94.4238% | 1,842 |
| Total domestic deposits to total assets | 81.5657% | 5,470 |
| Equity capital to assets | 11.6362% | 2,171 |
| Core capital (leverage) ratio | 9.2249% | 4,252 |
| Tier 1 risk-based capital ratio | 9.8888% | 7,045 |
| Total risk-based capital ratio | 10.7299% | 7,155 |
| Memoranda: | ||
| Average total assets | $116,860,000 | 4,565 |
| Average earning assets | $106,089,000 | 4,592 |
| Average equity | $13,813,000 | 4,149 |
| Average total loans | $93,997,500 | 3,881 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7603% | 1,379 |
| Cost of funding earning assets | 2.3317% | 189 |
| Net interest margin | 3.4286% | 5,516 |
| Noninterest income to average assets | 0.6610% | 3,074 |
| Noninterest expense to average assets | 3.2796% | 2,797 |
| Loan and lease loss provision to assets | 0.1806% | 5,412 |
| Net operating income to assets | 0.2781% | 5,008 |
| Return on assets (ROA) | 0.1250% | 5,666 |
| Pretax return on assets | 0.1269% | 5,650 |
| Return on Equity (ROE) | 1.0951% | 5,666 |
| Retained earnings to average equity (ytd only) | 1.0951% | 5,000 |
| Net charge-offs to loans | -0.0521% | 7,452 |
| Credit loss provision to net charge-offs | -440.4762% | 7,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8805% | 1,581 |
| Assets per employee ($millions) | 3.6896% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 6,799 |
| Loan loss allowance to noncurrent loans | 707.5630% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 5,585 |
| Noncurrent loans to loans | 0.1230% | 6,830 |
| Net loans and leases to total assets | 83.8350% | 314 |
| Net loans and leases to deposits | 104.7910% | 369 |
| Net loans and leases to core deposits | 106.6916% | 1,143 |
| Total domestic deposits to total assets | 80.0021% | 5,834 |
| Equity capital to assets | 12.0120% | 1,909 |
| Core capital (leverage) ratio | 9.5491% | 3,646 |
| Tier 1 risk-based capital ratio | 10.3009% | 6,825 |
| Total risk-based capital ratio | 11.1415% | 7,016 |
| Memoranda: | ||
| Average total assets | $102,421,200 | 4,916 |
| Average earning assets | $92,078,200 | 4,939 |
| Average equity | $11,688,000 | 4,700 |
| Average total loans | $80,571,600 | 4,326 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7470% | 1,560 |
| Cost of funding earning assets | 2.3955% | 202 |
| Net interest margin | 3.3516% | 5,841 |
| Noninterest income to average assets | 0.5551% | 3,753 |
| Noninterest expense to average assets | 3.2383% | 2,784 |
| Loan and lease loss provision to assets | 0.1676% | 5,368 |
| Net operating income to assets | 0.1220% | 5,715 |
| Return on assets (ROA) | -0.0724% | 6,245 |
| Pretax return on assets | -0.0416% | 6,155 |
| Return on Equity (ROE) | -0.6443% | 6,245 |
| Retained earnings to average equity (ytd only) | -0.6443% | 5,954 |
| Net charge-offs to loans | -0.0801% | 7,524 |
| Credit loss provision to net charge-offs | -271.7391% | 6,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2035% | 1,272 |
| Assets per employee ($millions) | 3.5068% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 6,756 |
| Loan loss allowance to noncurrent loans | 701.7857% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 5,632 |
| Noncurrent loans to loans | 0.1278% | 6,925 |
| Net loans and leases to total assets | 79.8751% | 773 |
| Net loans and leases to deposits | 102.8583% | 491 |
| Net loans and leases to core deposits | 105.3121% | 1,380 |
| Total domestic deposits to total assets | 77.6554% | 6,327 |
| Equity capital to assets | 11.6768% | 2,374 |
| Core capital (leverage) ratio | 9.0822% | 4,555 |
| Tier 1 risk-based capital ratio | 10.0168% | 7,061 |
| Total risk-based capital ratio | 10.8562% | 7,217 |
| Memoranda: | ||
| Average total assets | $99,432,250 | 5,071 |
| Average earning assets | $89,110,500 | 5,105 |
| Average equity | $11,175,250 | 4,886 |
| Average total loans | $76,532,000 | 4,509 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7325% | 1,636 |
| Cost of funding earning assets | 2.4299% | 218 |
| Net interest margin | 3.3026% | 6,009 |
| Noninterest income to average assets | 0.5148% | 3,997 |
| Noninterest expense to average assets | 3.0787% | 3,400 |
| Loan and lease loss provision to assets | 0.1453% | 5,442 |
| Net operating income to assets | 0.2159% | 5,509 |
| Return on assets (ROA) | -0.0581% | 6,253 |
| Pretax return on assets | -0.0291% | 6,179 |
| Return on Equity (ROE) | -0.5249% | 6,259 |
| Retained earnings to average equity (ytd only) | -0.5249% | 5,855 |
| Net charge-offs to loans | -0.1208% | 7,581 |
| Credit loss provision to net charge-offs | -159.0909% | 6,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9114% | 1,511 |
| Assets per employee ($millions) | 3.4000% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 6,654 |
| Loan loss allowance to noncurrent loans | 587.9032% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.7980% | 5,516 |
| Noncurrent loans to loans | 0.1586% | 6,948 |
| Net loans and leases to total assets | 75.9137% | 1,506 |
| Net loans and leases to deposits | 97.6863% | 907 |
| Net loans and leases to core deposits | 128.1562% | 460 |
| Total domestic deposits to total assets | 77.7118% | 6,335 |
| Equity capital to assets | 10.9255% | 2,944 |
| Core capital (leverage) ratio | 8.4267% | 5,535 |
| Tier 1 risk-based capital ratio | 9.4783% | 7,267 |
| Total risk-based capital ratio | 10.3532% | 7,397 |
| Memoranda: | ||
| Average total assets | $96,339,330 | 5,186 |
| Average earning assets | $86,175,330 | 5,230 |
| Average equity | $10,669,000 | 5,010 |
| Average total loans | $72,836,330 | 4,684 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6339% | 2,015 |
| Cost of funding earning assets | 2.4885% | 232 |
| Net interest margin | 3.1454% | 6,471 |
| Noninterest income to average assets | 0.4064% | 4,862 |
| Noninterest expense to average assets | 3.2981% | 2,538 |
| Loan and lease loss provision to assets | 0.1283% | 5,291 |
| Net operating income to assets | -0.2395% | 6,593 |
| Return on assets (ROA) | -0.7828% | 7,024 |
| Pretax return on assets | -0.7571% | 6,928 |
| Return on Equity (ROE) | -7.0172% | 6,995 |
| Retained earnings to average equity (ytd only) | -7.0172% | 6,744 |
| Net charge-offs to loans | -0.0114% | 6,923 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7310% | 792 |
| Assets per employee ($millions) | 3.4749% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 6,815 |
| Loan loss allowance to noncurrent loans | 79.1922% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 5,419 |
| Noncurrent loans to loans | 1.1491% | 5,072 |
| Net loans and leases to total assets | 75.0914% | 1,725 |
| Net loans and leases to deposits | 98.2581% | 888 |
| Net loans and leases to core deposits | 127.9150% | 540 |
| Total domestic deposits to total assets | 76.4226% | 6,674 |
| Equity capital to assets | 11.1785% | 2,609 |
| Core capital (leverage) ratio | 8.5230% | 5,335 |
| Tier 1 risk-based capital ratio | 10.2020% | 6,884 |
| Total risk-based capital ratio | 11.0837% | 7,128 |
| Memoranda: | ||
| Average total assets | $93,509,000 | 5,335 |
| Average earning assets | $83,423,000 | 5,382 |
| Average equity | $10,431,500 | 5,122 |
| Average total loans | $70,174,000 | 4,855 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0267% | 1,765 |
| Cost of funding earning assets | 2.7176% | 558 |
| Net interest margin | 3.3091% | 5,704 |
| Noninterest income to average assets | 0.2347% | 6,430 |
| Noninterest expense to average assets | 2.1063% | 7,174 |
| Loan and lease loss provision to assets | 0.0513% | 7,053 |
| Net operating income to assets | 0.9964% | 1,855 |
| Return on assets (ROA) | 0.9068% | 2,216 |
| Pretax return on assets | 0.9409% | 2,789 |
| Return on Equity (ROE) | 8.7193% | 2,113 |
| Retained earnings to average equity (ytd only) | -1.2159% | 5,316 |
| Net charge-offs to loans | 0.2905% | 4,821 |
| Credit loss provision to net charge-offs | 24.0642% | 6,922 |
| Earnings coverage of net charge-offs (x) | 5.0963% | 2,689 |
| Efficiency ratio | 64.9893% | 5,583 |
| Assets per employee ($millions) | 3.4517% | 5,125 |
| Cash dividends to net income (ytd only)* | 113.9447% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 6,870 |
| Loan loss allowance to noncurrent loans | 46.4151% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 1.4218% | 4,281 |
| Noncurrent loans to loans | 1.9134% | 3,783 |
| Net loans and leases to total assets | 73.6445% | 2,351 |
| Net loans and leases to deposits | 106.4342% | 527 |
| Net loans and leases to core deposits | 119.1669% | 2,015 |
| Total domestic deposits to total assets | 69.1926% | 7,479 |
| Equity capital to assets | 11.1326% | 2,597 |
| Core capital (leverage) ratio | 8.8496% | 4,686 |
| Tier 1 risk-based capital ratio | 10.1908% | 6,693 |
| Total risk-based capital ratio | 11.0364% | 7,018 |
| Memoranda: | ||
| Average total assets | $87,784,600 | 5,458 |
| Average earning assets | $78,450,600 | 5,511 |
| Average equity | $9,129,200 | 5,570 |
| Average total loans | $64,370,200 | 5,087 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0766% | 1,733 |
| Cost of funding earning assets | 2.7682% | 651 |
| Net interest margin | 3.3084% | 5,610 |
| Noninterest income to average assets | 0.2191% | 6,661 |
| Noninterest expense to average assets | 1.9452% | 7,477 |
| Loan and lease loss provision to assets | 0.0231% | 7,123 |
| Net operating income to assets | 1.1832% | 1,505 |
| Return on assets (ROA) | 1.1832% | 1,557 |
| Pretax return on assets | 1.2171% | 2,210 |
| Return on Equity (ROE) | 11.5975% | 1,469 |
| Retained earnings to average equity (ytd only) | 1.5574% | 4,443 |
| Net charge-offs to loans | 0.4455% | 3,449 |
| Credit loss provision to net charge-offs | 7.1090% | 6,631 |
| Earnings coverage of net charge-offs (x) | 3.8104% | 3,382 |
| Efficiency ratio | 60.0484% | 6,405 |
| Assets per employee ($millions) | 5.1161% | 2,008 |
| Cash dividends to net income (ytd only)* | 86.5710% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 6,906 |
| Loan loss allowance to noncurrent loans | 42.1171% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 1.5315% | 4,069 |
| Noncurrent loans to loans | 2.0565% | 3,555 |
| Net loans and leases to total assets | 73.8264% | 2,580 |
| Net loans and leases to deposits | 102.4933% | 888 |
| Net loans and leases to core deposits | 118.5455% | 2,370 |
| Total domestic deposits to total assets | 72.0304% | 7,206 |
| Equity capital to assets | 10.9793% | 3,025 |
| Core capital (leverage) ratio | 7.8780% | 6,532 |
| Tier 1 risk-based capital ratio | 9.7012% | 7,238 |
| Total risk-based capital ratio | 10.5233% | 7,494 |
| Memoranda: | ||
| Average total assets | $86,432,000 | 5,539 |
| Average earning assets | $77,498,000 | 5,574 |
| Average equity | $8,817,750 | 5,713 |
| Average total loans | $63,150,750 | 5,163 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0621% | 1,940 |
| Cost of funding earning assets | 2.7821% | 828 |
| Net interest margin | 3.2800% | 5,625 |
| Noninterest income to average assets | 0.2203% | 6,723 |
| Noninterest expense to average assets | 1.9687% | 7,515 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1548% | 1,596 |
| Return on assets (ROA) | 1.1548% | 1,679 |
| Pretax return on assets | 1.1849% | 2,344 |
| Return on Equity (ROE) | 11.6165% | 1,530 |
| Retained earnings to average equity (ytd only) | 1.2596% | 4,643 |
| Net charge-offs to loans | -0.0319% | 7,787 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3971% | 6,330 |
| Assets per employee ($millions) | 5.0821% | 1,992 |
| Cash dividends to net income (ytd only)* | 89.1566% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 4,867 |
| Loan loss allowance to noncurrent loans | 70.9528% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.2512% | 4,436 |
| Noncurrent loans to loans | 1.7050% | 3,953 |
| Net loans and leases to total assets | 72.4976% | 3,089 |
| Net loans and leases to deposits | 101.3725% | 1,129 |
| Net loans and leases to core deposits | 117.8568% | 2,552 |
| Total domestic deposits to total assets | 71.5160% | 7,307 |
| Equity capital to assets | 10.7088% | 3,193 |
| Core capital (leverage) ratio | 8.4846% | 5,475 |
| Tier 1 risk-based capital ratio | 10.4612% | 6,412 |
| Total risk-based capital ratio | 11.6177% | 6,446 |
| Memoranda: | ||
| Average total assets | $86,251,670 | 5,575 |
| Average earning assets | $77,134,670 | 5,625 |
| Average equity | $8,574,000 | 5,826 |
| Average total loans | $62,611,000 | 5,230 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0800% | 2,021 |
| Cost of funding earning assets | 2.7985% | 986 |
| Net interest margin | 3.2814% | 5,570 |
| Noninterest income to average assets | 0.2042% | 6,829 |
| Noninterest expense to average assets | 1.9309% | 7,492 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1743% | 1,729 |
| Return on assets (ROA) | 1.1743% | 1,838 |
| Pretax return on assets | 1.2068% | 2,611 |
| Return on Equity (ROE) | 12.2890% | 1,575 |
| Retained earnings to average equity (ytd only) | 1.7972% | 4,846 |
| Net charge-offs to loans | -0.0321% | 7,574 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5030% | 6,323 |
| Assets per employee ($millions) | 5.1024% | 1,957 |
| Cash dividends to net income (ytd only)* | 85.3755% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 4,352 |
| Loan loss allowance to noncurrent loans | 488.4615% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 6,995 |
| Noncurrent loans to loans | 0.2577% | 6,792 |
| Net loans and leases to total assets | 68.9213% | 3,935 |
| Net loans and leases to deposits | 90.8750% | 2,799 |
| Net loans and leases to core deposits | 103.5508% | 4,183 |
| Total domestic deposits to total assets | 75.8419% | 6,542 |
| Equity capital to assets | 9.5111% | 4,648 |
| Core capital (leverage) ratio | 7.6314% | 6,983 |
| Tier 1 risk-based capital ratio | 9.2933% | 7,595 |
| Total risk-based capital ratio | 10.4422% | 7,667 |
| Memoranda: | ||
| Average total assets | $86,179,500 | 5,596 |
| Average earning assets | $77,040,000 | 5,653 |
| Average equity | $8,235,000 | 5,976 |
| Average total loans | $62,215,500 | 5,279 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8352% | 1,565 |
| Cost of funding earning assets | 3.3700% | 762 |
| Net interest margin | 3.4652% | 5,417 |
| Noninterest income to average assets | 0.2148% | 6,895 |
| Noninterest expense to average assets | 1.8923% | 7,628 |
| Loan and lease loss provision to assets | -0.1543% | 8,266 |
| Net operating income to assets | 1.4948% | 1,026 |
| Return on assets (ROA) | 1.4948% | 990 |
| Pretax return on assets | 1.5318% | 1,590 |
| Return on Equity (ROE) | 13.7845% | 1,154 |
| Retained earnings to average equity (ytd only) | 4.2002% | 2,508 |
| Net charge-offs to loans | 0.0215% | 6,553 |
| Credit loss provision to net charge-offs | -961.5385% | 7,434 |
| Earnings coverage of net charge-offs (x) | 85.8462% | 493 |
| Efficiency ratio | 56.8139% | 6,893 |
| Assets per employee ($millions) | 5.0364% | 1,917 |
| Cash dividends to net income (ytd only)* | 69.5293% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 4,650 |
| Loan loss allowance to noncurrent loans | 823.9130% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 7,146 |
| Noncurrent loans to loans | 0.1440% | 6,979 |
| Net loans and leases to total assets | 73.7322% | 3,176 |
| Net loans and leases to deposits | 105.2151% | 1,199 |
| Net loans and leases to core deposits | 114.6344% | 3,271 |
| Total domestic deposits to total assets | 70.0776% | 7,268 |
| Equity capital to assets | 9.6008% | 4,543 |
| Core capital (leverage) ratio | 7.5399% | 7,155 |
| Tier 1 risk-based capital ratio | 8.9377% | 7,826 |
| Total risk-based capital ratio | 10.0821% | 7,931 |
| Memoranda: | ||
| Average total assets | $81,014,200 | 5,661 |
| Average earning assets | $71,424,400 | 5,763 |
| Average equity | $8,785,200 | 5,814 |
| Average total loans | $60,488,800 | 5,242 |