Home > Frontier Bank > Performance and Condition Ratios
Frontier Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 2,909 |
| Cost of funding earning assets | 2.1397% | 714 |
| Net interest margin | 2.4536% | 4,138 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.2500% | 2,981 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.5541% | 3,555 |
| Return on assets (ROA) | 0.5488% | 3,558 |
| Pretax return on assets | 0.5752% | 3,681 |
| Return on Equity (ROE) | 9.0900% | 2,730 |
| Retained earnings to average equity (ytd only) | 1.8835% | 3,607 |
| Net charge-offs to loans | 0.0051% | 2,532 |
| Credit loss provision to net charge-offs | 500.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 191.9000% | 602 |
| Efficiency ratio | 79.0479% | 984 |
| Assets per employee ($millions) | 8.5205% | 1,174 |
| Cash dividends to net income (ytd only)* | 79.2752% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 2,729 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.7700% | 2,694 |
| Net loans and leases to deposits | 72.9935% | 2,697 |
| Net loans and leases to core deposits | 94.3678% | 1,749 |
| Total domestic deposits to total assets | 84.6200% | 2,426 |
| Equity capital to assets | 6.1234% | 4,212 |
| Core capital (leverage) ratio | 8.9000% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6874% | 2,341 |
| Memoranda: | ||
| Average total assets | $321,774,800 | 2,306 |
| Average earning assets | $311,913,000 | 2,238 |
| Average equity | $19,432,200 | 2,911 |
| Average total loans | $196,377,400 | 2,309 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 2,937 |
| Cost of funding earning assets | 1.9796% | 727 |
| Net interest margin | 2.5115% | 4,129 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.3191% | 2,730 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5477% | 3,669 |
| Return on assets (ROA) | 0.5406% | 3,669 |
| Pretax return on assets | 0.5694% | 3,788 |
| Return on Equity (ROE) | 8.9800% | 2,934 |
| Retained earnings to average equity (ytd only) | 1.3470% | 3,879 |
| Net charge-offs to loans | 0.0062% | 2,219 |
| Credit loss provision to net charge-offs | 555.5556% | 588 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 701 |
| Efficiency ratio | 79.5044% | 889 |
| Assets per employee ($millions) | 8.2209% | 1,247 |
| Cash dividends to net income (ytd only)* | 85.0077% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 2,465 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 60.7800% | 2,772 |
| Net loans and leases to deposits | 70.0458% | 2,838 |
| Net loans and leases to core deposits | 83.6194% | 2,351 |
| Total domestic deposits to total assets | 86.7700% | 1,961 |
| Equity capital to assets | 5.4520% | 4,154 |
| Core capital (leverage) ratio | 9.0394% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0774% | 2,242 |
| Memoranda: | ||
| Average total assets | $319,143,500 | 2,324 |
| Average earning assets | $309,344,250 | 2,250 |
| Average equity | $19,203,250 | 2,918 |
| Average total loans | $193,578,250 | 2,332 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 2,907 |
| Cost of funding earning assets | 1.8775% | 642 |
| Net interest margin | 2.5115% | 4,196 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.2928% | 2,833 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.5530% | 3,695 |
| Return on assets (ROA) | 0.5423% | 3,727 |
| Pretax return on assets | 0.5718% | 3,846 |
| Return on Equity (ROE) | 8.7400% | 3,050 |
| Retained earnings to average equity (ytd only) | 0.6472% | 3,966 |
| Net charge-offs to loans | 0.0062% | 2,016 |
| Credit loss provision to net charge-offs | 833.3333% | 463 |
| Earnings coverage of net charge-offs (x) | 163.1667% | 708 |
| Efficiency ratio | 78.8644% | 930 |
| Assets per employee ($millions) | 8.3451% | 1,162 |
| Cash dividends to net income (ytd only)* | 92.5926% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,397 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 58.5700% | 2,914 |
| Net loans and leases to deposits | 66.9164% | 2,999 |
| Net loans and leases to core deposits | 76.7946% | 2,707 |
| Total domestic deposits to total assets | 87.5300% | 1,772 |
| Equity capital to assets | 6.0352% | 4,140 |
| Core capital (leverage) ratio | 9.0650% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2848% | 2,178 |
| Memoranda: | ||
| Average total assets | $318,652,333 | 2,331 |
| Average earning assets | $309,462,000 | 2,261 |
| Average equity | $19,777,667 | 2,885 |
| Average total loans | $192,369,333 | 2,338 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 2,753 |
| Cost of funding earning assets | 1.7230% | 538 |
| Net interest margin | 2.5962% | 4,210 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.2877% | 2,850 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.6078% | 3,674 |
| Return on assets (ROA) | 0.6090% | 3,632 |
| Pretax return on assets | 0.6433% | 3,772 |
| Return on Equity (ROE) | 9.6700% | 2,881 |
| Retained earnings to average equity (ytd only) | 0.6047% | 3,928 |
| Net charge-offs to loans | 0.0167% | 1,352 |
| Credit loss provision to net charge-offs | 625.0000% | 486 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 951 |
| Efficiency ratio | 76.4307% | 1,137 |
| Assets per employee ($millions) | 8.0169% | 1,333 |
| Cash dividends to net income (ytd only)* | 93.7500% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 2,471 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 60.7300% | 2,579 |
| Net loans and leases to deposits | 67.5191% | 2,811 |
| Net loans and leases to core deposits | 75.7595% | 2,549 |
| Total domestic deposits to total assets | 89.9400% | 1,175 |
| Equity capital to assets | 6.4754% | 4,037 |
| Core capital (leverage) ratio | 9.1096% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4927% | 2,179 |
| Memoranda: | ||
| Average total assets | $315,250,000 | 2,384 |
| Average earning assets | $306,450,500 | 2,313 |
| Average equity | $19,845,500 | 2,908 |
| Average total loans | $192,074,000 | 2,362 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9709% | 1,791 |
| Cost of funding earning assets | 0.7463% | 479 |
| Net interest margin | 3.2246% | 2,791 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.3396% | 2,617 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.2684% | 1,534 |
| Return on assets (ROA) | 1.1338% | 1,983 |
| Pretax return on assets | 1.1914% | 2,467 |
| Return on Equity (ROE) | 15.9400% | 1,067 |
| Retained earnings to average equity (ytd only) | 10.1224% | 1,114 |
| Net charge-offs to loans | 0.0122% | 1,930 |
| Credit loss provision to net charge-offs | 476.1905% | 702 |
| Earnings coverage of net charge-offs (x) | 188.8095% | 680 |
| Efficiency ratio | 63.1094% | 2,615 |
| Assets per employee ($millions) | 8.1498% | 1,250 |
| Cash dividends to net income (ytd only)* | 36.5075% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 2,425 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 59.6700% | 2,666 |
| Net loans and leases to deposits | 64.7845% | 2,975 |
| Net loans and leases to core deposits | 73.7242% | 2,586 |
| Total domestic deposits to total assets | 92.1000% | 615 |
| Equity capital to assets | 6.1178% | 4,045 |
| Core capital (leverage) ratio | 9.5836% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3115% | 2,231 |
| Memoranda: | ||
| Average total assets | $289,918,200 | 2,497 |
| Average earning assets | $281,520,200 | 2,437 |
| Average equity | $20,617,600 | 2,894 |
| Average total loans | $172,060,800 | 2,437 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9283% | 1,411 |
| Cost of funding earning assets | 0.5667% | 530 |
| Net interest margin | 3.3615% | 2,096 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.4052% | 2,303 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3012% | 1,348 |
| Return on assets (ROA) | 1.1253% | 1,953 |
| Pretax return on assets | 1.1847% | 2,426 |
| Return on Equity (ROE) | 15.2300% | 1,125 |
| Retained earnings to average equity (ytd only) | 10.4441% | 1,213 |
| Net charge-offs to loans | 0.0136% | 1,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 686 |
| Efficiency ratio | 63.7124% | 2,590 |
| Assets per employee ($millions) | 7.3644% | 1,699 |
| Cash dividends to net income (ytd only)* | 31.4070% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 2,459 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 61.5700% | 2,343 |
| Net loans and leases to deposits | 67.1156% | 2,624 |
| Net loans and leases to core deposits | 71.6654% | 2,511 |
| Total domestic deposits to total assets | 91.7300% | 961 |
| Equity capital to assets | 6.2066% | 3,881 |
| Core capital (leverage) ratio | 9.9629% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5559% | 2,237 |
| Memoranda: | ||
| Average total assets | $282,937,250 | 2,558 |
| Average earning assets | $274,551,000 | 2,484 |
| Average equity | $20,910,750 | 2,909 |
| Average total loans | $167,092,750 | 2,482 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 1,208 |
| Cost of funding earning assets | 0.4903% | 542 |
| Net interest margin | 3.3596% | 1,724 |
| Noninterest income to average assets | 0.5151% | 2,114 |
| Noninterest expense to average assets | 2.3864% | 2,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3210% | 1,089 |
| Return on assets (ROA) | 1.0557% | 1,920 |
| Pretax return on assets | 1.1111% | 2,364 |
| Return on Equity (ROE) | 13.5467% | 1,224 |
| Retained earnings to average equity (ytd only) | 9.4444% | 1,155 |
| Net charge-offs to loans | 0.0074% | 1,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 326.1667% | 375 |
| Efficiency ratio | 63.1866% | 2,887 |
| Assets per employee ($millions) | 7.3624% | 1,692 |
| Cash dividends to net income (ytd only)* | 30.2826% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 2,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 59.5142% | 2,379 |
| Net loans and leases to deposits | 64.2601% | 2,693 |
| Net loans and leases to core deposits | 68.6633% | 2,591 |
| Total domestic deposits to total assets | 92.6146% | 612 |
| Equity capital to assets | 7.0626% | 3,732 |
| Core capital (leverage) ratio | 9.8403% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9281% | 2,089 |
| Memoranda: | ||
| Average total assets | $281,513,000 | 2,577 |
| Average earning assets | $273,309,333 | 2,523 |
| Average equity | $21,939,000 | 2,903 |
| Average total loans | $163,124,000 | 2,525 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6845% | 1,306 |
| Cost of funding earning assets | 0.4564% | 628 |
| Net interest margin | 3.2282% | 1,793 |
| Noninterest income to average assets | 0.5170% | 2,057 |
| Noninterest expense to average assets | 2.3627% | 2,291 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2244% | 1,183 |
| Return on assets (ROA) | 0.7493% | 2,849 |
| Pretax return on assets | 0.7904% | 3,133 |
| Return on Equity (ROE) | 9.1884% | 2,251 |
| Retained earnings to average equity (ytd only) | 3.1091% | 3,224 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6762% | 2,951 |
| Assets per employee ($millions) | 7.9417% | 1,402 |
| Cash dividends to net income (ytd only)* | 66.1626% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 2,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.6060% | 2,339 |
| Net loans and leases to deposits | 62.0237% | 2,717 |
| Net loans and leases to core deposits | 66.2494% | 2,613 |
| Total domestic deposits to total assets | 92.8773% | 309 |
| Equity capital to assets | 6.8964% | 4,260 |
| Core capital (leverage) ratio | 8.4106% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4730% | 2,782 |
| Memoranda: | ||
| Average total assets | $282,384,500 | 2,591 |
| Average earning assets | $274,335,000 | 2,526 |
| Average equity | $23,029,000 | 2,903 |
| Average total loans | $160,345,000 | 2,548 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6661% | 2,203 |
| Cost of funding earning assets | 0.5068% | 905 |
| Net interest margin | 3.1592% | 2,714 |
| Noninterest income to average assets | 0.9900% | 1,022 |
| Noninterest expense to average assets | 2.4473% | 2,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5303% | 957 |
| Return on assets (ROA) | 1.5289% | 995 |
| Pretax return on assets | 1.6053% | 1,410 |
| Return on Equity (ROE) | 15.7874% | 789 |
| Retained earnings to average equity (ytd only) | 10.0234% | 916 |
| Net charge-offs to loans | 0.0183% | 1,918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 151.6429% | 655 |
| Efficiency ratio | 60.3659% | 3,102 |
| Assets per employee ($millions) | 7.7463% | 1,468 |
| Cash dividends to net income (ytd only)* | 36.5099% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 1,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.3479% | 2,805 |
| Net loans and leases to deposits | 62.8060% | 2,794 |
| Net loans and leases to core deposits | 65.9067% | 2,831 |
| Total domestic deposits to total assets | 86.5331% | 2,701 |
| Equity capital to assets | 9.4457% | 3,187 |
| Core capital (leverage) ratio | 8.5405% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1647% | 2,576 |
| Memoranda: | ||
| Average total assets | $264,250,000 | 2,639 |
| Average earning assets | $256,295,800 | 2,580 |
| Average equity | $25,590,000 | 2,806 |
| Average total loans | $153,012,000 | 2,605 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6774% | 2,339 |
| Cost of funding earning assets | 0.5198% | 957 |
| Net interest margin | 3.1576% | 2,868 |
| Noninterest income to average assets | 1.1000% | 921 |
| Noninterest expense to average assets | 2.4559% | 2,256 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6178% | 993 |
| Return on assets (ROA) | 1.5994% | 1,080 |
| Pretax return on assets | 1.6864% | 1,437 |
| Return on Equity (ROE) | 16.4076% | 864 |
| Retained earnings to average equity (ytd only) | 10.8964% | 1,083 |
| Net charge-offs to loans | 0.0244% | 1,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 119.0714% | 780 |
| Efficiency ratio | 59.0116% | 3,121 |
| Assets per employee ($millions) | 7.1508% | 1,770 |
| Cash dividends to net income (ytd only)* | 33.5893% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 2,007 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 57.4727% | 2,563 |
| Net loans and leases to deposits | 63.9669% | 2,856 |
| Net loans and leases to core deposits | 67.4382% | 2,823 |
| Total domestic deposits to total assets | 89.8476% | 840 |
| Equity capital to assets | 9.7424% | 3,159 |
| Core capital (leverage) ratio | 8.7284% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1804% | 2,651 |
| Memoranda: | ||
| Average total assets | $260,595,500 | 2,690 |
| Average earning assets | $252,671,750 | 2,628 |
| Average equity | $25,402,250 | 2,849 |
| Average total loans | $152,821,000 | 2,644 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6751% | 2,408 |
| Cost of funding earning assets | 0.5470% | 954 |
| Net interest margin | 3.1280% | 2,960 |
| Noninterest income to average assets | 0.9896% | 1,088 |
| Noninterest expense to average assets | 2.4377% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5081% | 1,266 |
| Return on assets (ROA) | 1.4948% | 1,370 |
| Pretax return on assets | 1.5696% | 1,819 |
| Return on Equity (ROE) | 15.3322% | 1,082 |
| Retained earnings to average equity (ytd only) | 9.7423% | 1,484 |
| Net charge-offs to loans | 0.0252% | 1,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 107.0526% | 722 |
| Efficiency ratio | 60.6196% | 2,925 |
| Assets per employee ($millions) | 6.8823% | 1,888 |
| Cash dividends to net income (ytd only)* | 36.4583% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 1,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 57.5178% | 2,728 |
| Net loans and leases to deposits | 65.0522% | 2,896 |
| Net loans and leases to core deposits | 68.1046% | 2,954 |
| Total domestic deposits to total assets | 88.4180% | 1,611 |
| Equity capital to assets | 9.8560% | 3,000 |
| Core capital (leverage) ratio | 8.7732% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1789% | 2,654 |
| Memoranda: | ||
| Average total assets | $256,884,333 | 2,703 |
| Average earning assets | $248,973,667 | 2,637 |
| Average equity | $25,045,333 | 2,874 |
| Average total loans | $150,964,000 | 2,673 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5962% | 2,649 |
| Cost of funding earning assets | 0.5867% | 929 |
| Net interest margin | 3.0095% | 3,234 |
| Noninterest income to average assets | 0.8328% | 1,505 |
| Noninterest expense to average assets | 2.4795% | 2,235 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2025% | 2,135 |
| Return on assets (ROA) | 1.1203% | 2,489 |
| Pretax return on assets | 1.1848% | 2,887 |
| Return on Equity (ROE) | 11.5559% | 2,171 |
| Retained earnings to average equity (ytd only) | 5.8833% | 2,935 |
| Net charge-offs to loans | 0.0080% | 1,619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 269.6667% | 325 |
| Efficiency ratio | 66.1081% | 2,216 |
| Assets per employee ($millions) | 6.9300% | 1,843 |
| Cash dividends to net income (ytd only)* | 49.0884% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 1,610 |
| Loan loss allowance to noncurrent loans | 16,071.4286% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,360 |
| Noncurrent loans to loans | 0.0093% | 4,269 |
| Net loans and leases to total assets | 57.6557% | 2,837 |
| Net loans and leases to deposits | 63.9627% | 3,127 |
| Net loans and leases to core deposits | 67.5604% | 3,098 |
| Total domestic deposits to total assets | 90.1396% | 754 |
| Equity capital to assets | 9.5480% | 3,151 |
| Core capital (leverage) ratio | 8.5667% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6770% | 2,412 |
| Memoranda: | ||
| Average total assets | $254,563,500 | 2,706 |
| Average earning assets | $246,818,000 | 2,634 |
| Average equity | $24,680,000 | 2,892 |
| Average total loans | $150,119,500 | 2,687 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 2,174 |
| Cost of funding earning assets | 0.9547% | 703 |
| Net interest margin | 3.2320% | 3,269 |
| Noninterest income to average assets | 0.7881% | 1,566 |
| Noninterest expense to average assets | 2.6527% | 2,376 |
| Loan and lease loss provision to assets | 0.0836% | 3,336 |
| Net operating income to assets | 1.1200% | 1,840 |
| Return on assets (ROA) | 1.1826% | 1,720 |
| Pretax return on assets | 1.2336% | 2,210 |
| Return on Equity (ROE) | 12.6051% | 1,151 |
| Retained earnings to average equity (ytd only) | 7.4829% | 1,201 |
| Net charge-offs to loans | -0.0133% | 4,330 |
| Credit loss provision to net charge-offs | -952.3810% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9366% | 2,244 |
| Assets per employee ($millions) | 6.6504% | 1,816 |
| Cash dividends to net income (ytd only)* | 40.6360% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 1,557 |
| Loan loss allowance to noncurrent loans | 16,164.2857% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,425 |
| Noncurrent loans to loans | 0.0093% | 4,344 |
| Net loans and leases to total assets | 58.5204% | 3,030 |
| Net loans and leases to deposits | 66.9687% | 3,187 |
| Net loans and leases to core deposits | 71.6061% | 3,117 |
| Total domestic deposits to total assets | 87.3847% | 1,749 |
| Equity capital to assets | 9.8442% | 3,271 |
| Core capital (leverage) ratio | 8.4629% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4741% | 2,460 |
| Memoranda: | ||
| Average total assets | $239,306,000 | 2,664 |
| Average earning assets | $230,756,600 | 2,597 |
| Average equity | $22,451,200 | 2,974 |
| Average total loans | $157,356,000 | 2,589 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 2,091 |
| Cost of funding earning assets | 1.0478% | 644 |
| Net interest margin | 3.2562% | 3,319 |
| Noninterest income to average assets | 0.7013% | 1,800 |
| Noninterest expense to average assets | 2.7299% | 2,172 |
| Loan and lease loss provision to assets | 0.1132% | 2,911 |
| Net operating income to assets | 0.9470% | 2,531 |
| Return on assets (ROA) | 1.0324% | 2,344 |
| Pretax return on assets | 1.0844% | 2,796 |
| Return on Equity (ROE) | 11.1513% | 1,631 |
| Retained earnings to average equity (ytd only) | 5.9632% | 2,122 |
| Net charge-offs to loans | -0.0126% | 4,284 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1383% | 1,737 |
| Assets per employee ($millions) | 6.4271% | 1,891 |
| Cash dividends to net income (ytd only)* | 46.5244% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 1,586 |
| Loan loss allowance to noncurrent loans | 16,192.8571% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,491 |
| Noncurrent loans to loans | 0.0089% | 4,412 |
| Net loans and leases to total assets | 63.6635% | 2,806 |
| Net loans and leases to deposits | 73.7670% | 2,981 |
| Net loans and leases to core deposits | 81.2039% | 2,732 |
| Total domestic deposits to total assets | 86.3035% | 1,938 |
| Equity capital to assets | 9.7694% | 3,461 |
| Core capital (leverage) ratio | 8.6098% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2586% | 2,512 |
| Memoranda: | ||
| Average total assets | $235,953,250 | 2,662 |
| Average earning assets | $227,254,750 | 2,597 |
| Average equity | $21,844,500 | 3,013 |
| Average total loans | $159,156,500 | 2,578 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4346% | 2,115 |
| Cost of funding earning assets | 1.0968% | 725 |
| Net interest margin | 3.3378% | 3,279 |
| Noninterest income to average assets | 0.6664% | 1,872 |
| Noninterest expense to average assets | 2.7651% | 2,176 |
| Loan and lease loss provision to assets | 0.1286% | 2,740 |
| Net operating income to assets | 0.9194% | 2,627 |
| Return on assets (ROA) | 1.0335% | 2,342 |
| Pretax return on assets | 1.1081% | 2,692 |
| Return on Equity (ROE) | 11.3826% | 1,520 |
| Retained earnings to average equity (ytd only) | 6.1872% | 1,996 |
| Net charge-offs to loans | 0.0927% | 1,332 |
| Credit loss provision to net charge-offs | 202.7027% | 1,898 |
| Earnings coverage of net charge-offs (x) | 17.5541% | 1,810 |
| Efficiency ratio | 71.2801% | 1,787 |
| Assets per employee ($millions) | 6.3670% | 1,887 |
| Cash dividends to net income (ytd only)* | 45.6432% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 1,906 |
| Loan loss allowance to noncurrent loans | 15,207.1429% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,562 |
| Noncurrent loans to loans | 0.0087% | 4,485 |
| Net loans and leases to total assets | 64.0517% | 2,873 |
| Net loans and leases to deposits | 74.6960% | 3,008 |
| Net loans and leases to core deposits | 85.8619% | 2,449 |
| Total domestic deposits to total assets | 85.7498% | 2,111 |
| Equity capital to assets | 9.4071% | 3,738 |
| Core capital (leverage) ratio | 8.3334% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9508% | 2,634 |
| Memoranda: | ||
| Average total assets | $233,194,000 | 2,653 |
| Average earning assets | $224,461,667 | 2,592 |
| Average equity | $21,172,667 | 3,067 |
| Average total loans | $159,624,333 | 2,568 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 2,215 |
| Cost of funding earning assets | 1.1621% | 872 |
| Net interest margin | 3.3718% | 3,394 |
| Noninterest income to average assets | 0.5247% | 2,416 |
| Noninterest expense to average assets | 2.8559% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8644% | 2,640 |
| Return on assets (ROA) | 0.9183% | 2,570 |
| Pretax return on assets | 0.9662% | 2,946 |
| Return on Equity (ROE) | 10.3190% | 1,636 |
| Retained earnings to average equity (ytd only) | 4.8408% | 2,346 |
| Net charge-offs to loans | -0.0151% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8475% | 1,581 |
| Assets per employee ($millions) | 6.0025% | 1,680 |
| Cash dividends to net income (ytd only)* | 53.0888% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,143 |
| Loan loss allowance to noncurrent loans | 333.1179% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 3,401 |
| Noncurrent loans to loans | 0.3909% | 3,084 |
| Net loans and leases to total assets | 66.7559% | 2,729 |
| Net loans and leases to deposits | 84.6203% | 2,151 |
| Net loans and leases to core deposits | 95.7380% | 1,818 |
| Total domestic deposits to total assets | 78.8888% | 4,074 |
| Equity capital to assets | 8.3225% | 4,890 |
| Core capital (leverage) ratio | 9.0878% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3440% | 2,992 |
| Memoranda: | ||
| Average total assets | $225,635,000 | 2,668 |
| Average earning assets | $216,855,000 | 2,596 |
| Average equity | $20,079,500 | 3,163 |
| Average total loans | $158,848,000 | 2,551 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8500% | 1,897 |
| Cost of funding earning assets | 1.3669% | 621 |
| Net interest margin | 3.4832% | 3,505 |
| Noninterest income to average assets | 0.4952% | 2,769 |
| Noninterest expense to average assets | 2.9148% | 2,247 |
| Loan and lease loss provision to assets | 0.0417% | 3,180 |
| Net operating income to assets | 0.8520% | 3,384 |
| Return on assets (ROA) | 0.8507% | 3,477 |
| Pretax return on assets | 0.8887% | 3,775 |
| Return on Equity (ROE) | 9.3441% | 2,591 |
| Retained earnings to average equity (ytd only) | 3.7889% | 3,082 |
| Net charge-offs to loans | 0.0260% | 2,874 |
| Credit loss provision to net charge-offs | 216.6667% | 1,220 |
| Earnings coverage of net charge-offs (x) | 48.4286% | 1,150 |
| Efficiency ratio | 75.7771% | 1,397 |
| Assets per employee ($millions) | 5.7150% | 1,868 |
| Cash dividends to net income (ytd only)* | 59.4507% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 1,937 |
| Loan loss allowance to noncurrent loans | 546.8254% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 3,782 |
| Noncurrent loans to loans | 0.2372% | 3,596 |
| Net loans and leases to total assets | 72.4277% | 2,021 |
| Net loans and leases to deposits | 81.6126% | 2,601 |
| Net loans and leases to core deposits | 102.4924% | 1,358 |
| Total domestic deposits to total assets | 88.7457% | 768 |
| Equity capital to assets | 9.5206% | 4,338 |
| Core capital (leverage) ratio | 8.9225% | 4,579 |
| Tier 1 risk-based capital ratio | 11.4380% | 4,656 |
| Total risk-based capital ratio | 12.6781% | 4,541 |
| Memoranda: | ||
| Average total assets | $218,296,600 | 2,675 |
| Average earning assets | $210,039,400 | 2,603 |
| Average equity | $19,873,600 | 3,146 |
| Average total loans | $161,407,000 | 2,495 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 1,940 |
| Cost of funding earning assets | 1.3748% | 625 |
| Net interest margin | 3.4853% | 3,607 |
| Noninterest income to average assets | 0.4898% | 2,794 |
| Noninterest expense to average assets | 2.9609% | 2,083 |
| Loan and lease loss provision to assets | 0.1830% | 993 |
| Net operating income to assets | 0.6636% | 4,123 |
| Return on assets (ROA) | 0.6618% | 4,185 |
| Pretax return on assets | 0.6966% | 4,350 |
| Return on Equity (ROE) | 7.3534% | 3,567 |
| Retained earnings to average equity (ytd only) | 1.7621% | 4,346 |
| Net charge-offs to loans | 0.2116% | 836 |
| Credit loss provision to net charge-offs | 116.7315% | 2,001 |
| Earnings coverage of net charge-offs (x) | 5.6225% | 2,903 |
| Efficiency ratio | 77.0599% | 1,210 |
| Assets per employee ($millions) | 5.3756% | 2,152 |
| Cash dividends to net income (ytd only)* | 76.0367% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 1,948 |
| Loan loss allowance to noncurrent loans | 562.2951% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 3,913 |
| Noncurrent loans to loans | 0.2318% | 3,716 |
| Net loans and leases to total assets | 70.6989% | 2,374 |
| Net loans and leases to deposits | 79.8736% | 2,911 |
| Net loans and leases to core deposits | 99.6757% | 1,684 |
| Total domestic deposits to total assets | 88.5135% | 820 |
| Equity capital to assets | 9.2356% | 4,643 |
| Core capital (leverage) ratio | 8.8863% | 4,720 |
| Tier 1 risk-based capital ratio | 11.1821% | 4,834 |
| Total risk-based capital ratio | 12.4143% | 4,725 |
| Memoranda: | ||
| Average total assets | $218,578,000 | 2,698 |
| Average earning assets | $210,250,000 | 2,629 |
| Average equity | $19,673,000 | 3,186 |
| Average total loans | $161,919,000 | 2,516 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8554% | 1,893 |
| Cost of funding earning assets | 1.3526% | 637 |
| Net interest margin | 3.5028% | 3,586 |
| Noninterest income to average assets | 0.4624% | 2,898 |
| Noninterest expense to average assets | 2.9472% | 2,147 |
| Loan and lease loss provision to assets | 0.2753% | 537 |
| Net operating income to assets | 0.5661% | 4,392 |
| Return on assets (ROA) | 0.5661% | 4,425 |
| Pretax return on assets | 0.6093% | 4,527 |
| Return on Equity (ROE) | 6.3459% | 3,923 |
| Retained earnings to average equity (ytd only) | 0.6891% | 4,515 |
| Net charge-offs to loans | 0.3160% | 546 |
| Credit loss provision to net charge-offs | 116.2791% | 1,789 |
| Earnings coverage of net charge-offs (x) | 3.7364% | 2,802 |
| Efficiency ratio | 76.9157% | 1,279 |
| Assets per employee ($millions) | 5.0737% | 2,384 |
| Cash dividends to net income (ytd only)* | 89.1410% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 2,170 |
| Loan loss allowance to noncurrent loans | 223.1774% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 2,826 |
| Noncurrent loans to loans | 0.5665% | 2,561 |
| Net loans and leases to total assets | 73.4240% | 1,980 |
| Net loans and leases to deposits | 82.8469% | 2,638 |
| Net loans and leases to core deposits | 102.8944% | 1,478 |
| Total domestic deposits to total assets | 88.6261% | 815 |
| Equity capital to assets | 9.1059% | 4,737 |
| Core capital (leverage) ratio | 8.6832% | 4,859 |
| Tier 1 risk-based capital ratio | 10.7860% | 4,999 |
| Total risk-based capital ratio | 11.9939% | 4,935 |
| Memoranda: | ||
| Average total assets | $217,971,330 | 2,710 |
| Average earning assets | $209,663,330 | 2,641 |
| Average equity | $19,445,670 | 3,202 |
| Average total loans | $163,266,330 | 2,505 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8793% | 1,657 |
| Cost of funding earning assets | 1.3177% | 625 |
| Net interest margin | 3.5616% | 3,394 |
| Noninterest income to average assets | 0.4865% | 2,632 |
| Noninterest expense to average assets | 2.8769% | 2,336 |
| Loan and lease loss provision to assets | 0.0734% | 2,204 |
| Net operating income to assets | 0.9088% | 3,202 |
| Return on assets (ROA) | 0.9088% | 3,248 |
| Pretax return on assets | 0.9602% | 3,584 |
| Return on Equity (ROE) | 10.2935% | 2,243 |
| Retained earnings to average equity (ytd only) | 4.5749% | 3,096 |
| Net charge-offs to loans | -0.0024% | 3,893 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5681% | 1,803 |
| Assets per employee ($millions) | 4.9645% | 2,568 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,341 |
| Loan loss allowance to noncurrent loans | 1,785.2174% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 4,562 |
| Noncurrent loans to loans | 0.0698% | 4,448 |
| Net loans and leases to total assets | 74.4596% | 1,720 |
| Net loans and leases to deposits | 86.9129% | 2,011 |
| Net loans and leases to core deposits | 109.7201% | 947 |
| Total domestic deposits to total assets | 85.6714% | 2,414 |
| Equity capital to assets | 8.9485% | 4,719 |
| Core capital (leverage) ratio | 8.7868% | 4,801 |
| Tier 1 risk-based capital ratio | 10.8563% | 5,042 |
| Total risk-based capital ratio | 12.0616% | 4,964 |
| Memoranda: | ||
| Average total assets | $217,873,500 | 2,736 |
| Average earning assets | $209,456,500 | 2,668 |
| Average equity | $19,235,500 | 3,234 |
| Average total loans | $163,780,500 | 2,521 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 1,744 |
| Cost of funding earning assets | 1.1563% | 405 |
| Net interest margin | 3.5695% | 3,486 |
| Noninterest income to average assets | 0.4079% | 3,391 |
| Noninterest expense to average assets | 2.7445% | 2,877 |
| Loan and lease loss provision to assets | 0.1347% | 1,607 |
| Net operating income to assets | 0.9134% | 3,395 |
| Return on assets (ROA) | 0.9910% | 3,047 |
| Pretax return on assets | 1.0361% | 3,490 |
| Return on Equity (ROE) | 11.5256% | 1,892 |
| Retained earnings to average equity (ytd only) | 6.1221% | 2,135 |
| Net charge-offs to loans | 0.0421% | 2,571 |
| Credit loss provision to net charge-offs | 432.8358% | 781 |
| Earnings coverage of net charge-offs (x) | 35.0149% | 1,449 |
| Efficiency ratio | 71.5740% | 1,959 |
| Assets per employee ($millions) | 4.8291% | 2,698 |
| Cash dividends to net income (ytd only)* | 46.8823% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 2,397 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 4,576 |
| Noncurrent loans to loans | 0.0725% | 4,431 |
| Net loans and leases to total assets | 74.0209% | 1,930 |
| Net loans and leases to deposits | 87.1828% | 2,146 |
| Net loans and leases to core deposits | 109.5281% | 1,030 |
| Total domestic deposits to total assets | 84.9031% | 2,683 |
| Equity capital to assets | 8.7083% | 4,793 |
| Core capital (leverage) ratio | 8.7501% | 4,846 |
| Tier 1 risk-based capital ratio | 10.7556% | 5,093 |
| Total risk-based capital ratio | 11.9409% | 5,006 |
| Memoranda: | ||
| Average total assets | $215,227,600 | 2,730 |
| Average earning assets | $206,613,200 | 2,665 |
| Average equity | $18,506,600 | 3,241 |
| Average total loans | $159,240,200 | 2,536 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 1,572 |
| Cost of funding earning assets | 1.1220% | 361 |
| Net interest margin | 3.6178% | 3,310 |
| Noninterest income to average assets | 0.3993% | 3,486 |
| Noninterest expense to average assets | 2.7963% | 2,643 |
| Loan and lease loss provision to assets | 0.1552% | 1,259 |
| Net operating income to assets | 0.8724% | 3,651 |
| Return on assets (ROA) | 0.9290% | 3,404 |
| Pretax return on assets | 0.9793% | 3,778 |
| Return on Equity (ROE) | 10.8390% | 2,242 |
| Retained earnings to average equity (ytd only) | 5.4050% | 3,004 |
| Net charge-offs to loans | 0.0320% | 2,448 |
| Credit loss provision to net charge-offs | 657.8947% | 553 |
| Earnings coverage of net charge-offs (x) | 45.5485% | 1,241 |
| Efficiency ratio | 72.2329% | 1,846 |
| Assets per employee ($millions) | 4.7290% | 2,807 |
| Cash dividends to net income (ytd only)* | 50.1339% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 2,429 |
| Loan loss allowance to noncurrent loans | 289.9709% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 3,426 |
| Noncurrent loans to loans | 0.4256% | 3,133 |
| Net loans and leases to total assets | 73.3958% | 2,094 |
| Net loans and leases to deposits | 86.0047% | 2,367 |
| Net loans and leases to core deposits | 107.7357% | 1,189 |
| Total domestic deposits to total assets | 85.3392% | 2,470 |
| Equity capital to assets | 8.4534% | 4,958 |
| Core capital (leverage) ratio | 8.5449% | 5,074 |
| Tier 1 risk-based capital ratio | 10.6707% | 5,185 |
| Total risk-based capital ratio | 11.8644% | 5,118 |
| Memoranda: | ||
| Average total assets | $214,707,250 | 2,749 |
| Average earning assets | $206,051,000 | 2,684 |
| Average equity | $18,402,250 | 3,269 |
| Average total loans | $158,335,250 | 2,558 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6008% | 1,784 |
| Cost of funding earning assets | 1.0720% | 333 |
| Net interest margin | 3.5288% | 3,540 |
| Noninterest income to average assets | 0.3789% | 3,629 |
| Noninterest expense to average assets | 2.7797% | 2,722 |
| Loan and lease loss provision to assets | 0.1871% | 948 |
| Net operating income to assets | 0.7595% | 3,997 |
| Return on assets (ROA) | 0.8449% | 3,699 |
| Pretax return on assets | 0.8898% | 3,991 |
| Return on Equity (ROE) | 9.8117% | 2,653 |
| Retained earnings to average equity (ytd only) | 4.3788% | 3,411 |
| Net charge-offs to loans | 0.0305% | 2,249 |
| Credit loss provision to net charge-offs | 833.3333% | 479 |
| Earnings coverage of net charge-offs (x) | 43.9583% | 1,224 |
| Efficiency ratio | 73.7953% | 1,735 |
| Assets per employee ($millions) | 4.5814% | 2,992 |
| Cash dividends to net income (ytd only)* | 55.3710% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,538 |
| Loan loss allowance to noncurrent loans | 760.8527% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 4,394 |
| Noncurrent loans to loans | 0.1620% | 4,180 |
| Net loans and leases to total assets | 73.0372% | 2,106 |
| Net loans and leases to deposits | 85.9947% | 2,310 |
| Net loans and leases to core deposits | 108.3927% | 1,095 |
| Total domestic deposits to total assets | 84.9321% | 2,698 |
| Equity capital to assets | 8.5647% | 4,895 |
| Core capital (leverage) ratio | 8.4818% | 5,124 |
| Tier 1 risk-based capital ratio | 10.4960% | 5,269 |
| Total risk-based capital ratio | 11.6722% | 5,210 |
| Memoranda: | ||
| Average total assets | $213,765,330 | 2,779 |
| Average earning assets | $205,223,000 | 2,708 |
| Average equity | $18,406,670 | 3,285 |
| Average total loans | $157,228,670 | 2,581 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5764% | 1,642 |
| Cost of funding earning assets | 1.0331% | 320 |
| Net interest margin | 3.5433% | 3,371 |
| Noninterest income to average assets | 0.3794% | 3,591 |
| Noninterest expense to average assets | 2.6988% | 3,047 |
| Loan and lease loss provision to assets | 0.1878% | 902 |
| Net operating income to assets | 0.8393% | 3,560 |
| Return on assets (ROA) | 0.9541% | 3,075 |
| Pretax return on assets | 1.0160% | 3,477 |
| Return on Equity (ROE) | 11.0501% | 1,949 |
| Retained earnings to average equity (ytd only) | 5.6121% | 2,891 |
| Net charge-offs to loans | 0.0563% | 1,546 |
| Credit loss provision to net charge-offs | 454.5455% | 634 |
| Earnings coverage of net charge-offs (x) | 26.1818% | 1,324 |
| Efficiency ratio | 71.3860% | 2,283 |
| Assets per employee ($millions) | 4.5114% | 3,136 |
| Cash dividends to net income (ytd only)* | 49.2126% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,936 |
| Loan loss allowance to noncurrent loans | 390.7757% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 3,976 |
| Noncurrent loans to loans | 0.3020% | 3,686 |
| Net loans and leases to total assets | 73.6211% | 1,922 |
| Net loans and leases to deposits | 86.7389% | 2,078 |
| Net loans and leases to core deposits | 110.3497% | 982 |
| Total domestic deposits to total assets | 84.8767% | 2,981 |
| Equity capital to assets | 8.6259% | 4,881 |
| Core capital (leverage) ratio | 8.4913% | 5,146 |
| Tier 1 risk-based capital ratio | 10.3220% | 5,411 |
| Total risk-based capital ratio | 11.4316% | 5,385 |
| Memoranda: | ||
| Average total assets | $212,985,000 | 2,810 |
| Average earning assets | $204,440,000 | 2,744 |
| Average equity | $18,389,000 | 3,317 |
| Average total loans | $156,227,500 | 2,611 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5434% | 1,578 |
| Cost of funding earning assets | 1.0124% | 199 |
| Net interest margin | 3.5310% | 3,425 |
| Noninterest income to average assets | 0.4556% | 3,273 |
| Noninterest expense to average assets | 2.8040% | 2,757 |
| Loan and lease loss provision to assets | 0.1507% | 1,496 |
| Net operating income to assets | 0.8336% | 3,016 |
| Return on assets (ROA) | 0.9739% | 2,396 |
| Pretax return on assets | 1.0216% | 3,489 |
| Return on Equity (ROE) | 10.9322% | 1,510 |
| Retained earnings to average equity (ytd only) | 2.6669% | 3,720 |
| Net charge-offs to loans | 0.0137% | 3,617 |
| Credit loss provision to net charge-offs | 1,535.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 104.3500% | 632 |
| Efficiency ratio | 73.2402% | 2,025 |
| Assets per employee ($millions) | 4.5518% | 3,107 |
| Cash dividends to net income (ytd only)* | 75.6048% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 3,006 |
| Loan loss allowance to noncurrent loans | 174.4888% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 2,206 |
| Noncurrent loans to loans | 0.6648% | 2,550 |
| Net loans and leases to total assets | 71.3752% | 2,324 |
| Net loans and leases to deposits | 82.6263% | 2,651 |
| Net loans and leases to core deposits | 105.7957% | 1,274 |
| Total domestic deposits to total assets | 86.3831% | 2,278 |
| Equity capital to assets | 8.6420% | 4,996 |
| Core capital (leverage) ratio | 8.4590% | 5,177 |
| Tier 1 risk-based capital ratio | 10.2185% | 5,472 |
| Total risk-based capital ratio | 11.2879% | 5,464 |
| Memoranda: | ||
| Average total assets | $203,709,600 | 2,891 |
| Average earning assets | $194,589,600 | 2,816 |
| Average equity | $18,148,200 | 3,343 |
| Average total loans | $146,125,800 | 2,696 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5520% | 1,496 |
| Cost of funding earning assets | 1.0324% | 165 |
| Net interest margin | 3.5196% | 3,431 |
| Noninterest income to average assets | 0.4507% | 3,328 |
| Noninterest expense to average assets | 2.8608% | 2,530 |
| Loan and lease loss provision to assets | 0.0709% | 2,661 |
| Net operating income to assets | 0.8317% | 3,378 |
| Return on assets (ROA) | 0.8796% | 3,181 |
| Pretax return on assets | 0.9273% | 3,940 |
| Return on Equity (ROE) | 9.7950% | 2,208 |
| Retained earnings to average equity (ytd only) | 0.5683% | 5,092 |
| Net charge-offs to loans | 0.0185% | 3,121 |
| Credit loss provision to net charge-offs | 535.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 71.4893% | 878 |
| Efficiency ratio | 75.1131% | 1,718 |
| Assets per employee ($millions) | 4.3705% | 3,355 |
| Cash dividends to net income (ytd only)* | 94.1977% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 3,689 |
| Loan loss allowance to noncurrent loans | 308.3658% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 3,173 |
| Noncurrent loans to loans | 0.3459% | 3,708 |
| Net loans and leases to total assets | 71.5631% | 2,324 |
| Net loans and leases to deposits | 86.5908% | 2,229 |
| Net loans and leases to core deposits | 113.2520% | 879 |
| Total domestic deposits to total assets | 82.6452% | 3,573 |
| Equity capital to assets | 8.9123% | 4,987 |
| Core capital (leverage) ratio | 8.4505% | 5,276 |
| Tier 1 risk-based capital ratio | 10.3142% | 5,507 |
| Total risk-based capital ratio | 11.2989% | 5,545 |
| Memoranda: | ||
| Average total assets | $201,153,750 | 2,940 |
| Average earning assets | $191,911,000 | 2,874 |
| Average equity | $18,063,250 | 3,383 |
| Average total loans | $144,035,500 | 2,738 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4638% | 1,616 |
| Cost of funding earning assets | 1.0454% | 135 |
| Net interest margin | 3.4184% | 3,706 |
| Noninterest income to average assets | 0.4646% | 3,258 |
| Noninterest expense to average assets | 2.9119% | 2,386 |
| Loan and lease loss provision to assets | 0.0170% | 3,619 |
| Net operating income to assets | 0.7533% | 3,627 |
| Return on assets (ROA) | 0.7780% | 3,551 |
| Pretax return on assets | 0.8231% | 4,191 |
| Return on Equity (ROE) | 8.6420% | 2,698 |
| Retained earnings to average equity (ytd only) | -2.4803% | 5,380 |
| Net charge-offs to loans | 0.0295% | 2,616 |
| Credit loss provision to net charge-offs | 80.9524% | 2,249 |
| Earnings coverage of net charge-offs (x) | 38.7143% | 1,276 |
| Efficiency ratio | 78.1510% | 1,445 |
| Assets per employee ($millions) | 4.4478% | 3,200 |
| Cash dividends to net income (ytd only)* | 128.7001% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 3,934 |
| Loan loss allowance to noncurrent loans | 202.1419% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 2,781 |
| Noncurrent loans to loans | 0.5119% | 3,222 |
| Net loans and leases to total assets | 72.1493% | 2,178 |
| Net loans and leases to deposits | 89.3913% | 1,816 |
| Net loans and leases to core deposits | 112.3325% | 888 |
| Total domestic deposits to total assets | 80.7118% | 4,257 |
| Equity capital to assets | 9.0611% | 4,838 |
| Core capital (leverage) ratio | 8.4953% | 5,223 |
| Tier 1 risk-based capital ratio | 10.4406% | 5,485 |
| Total risk-based capital ratio | 11.3996% | 5,535 |
| Memoranda: | ||
| Average total assets | $199,734,000 | 2,973 |
| Average earning assets | $190,557,000 | 2,907 |
| Average equity | $17,982,000 | 3,396 |
| Average total loans | $142,519,000 | 2,765 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 1,695 |
| Cost of funding earning assets | 1.0321% | 142 |
| Net interest margin | 3.3526% | 3,834 |
| Noninterest income to average assets | 0.4811% | 3,106 |
| Noninterest expense to average assets | 2.8849% | 2,505 |
| Loan and lease loss provision to assets | 0.0341% | 3,102 |
| Net operating income to assets | 0.7137% | 3,647 |
| Return on assets (ROA) | 0.7137% | 3,688 |
| Pretax return on assets | 0.7598% | 4,251 |
| Return on Equity (ROE) | 7.9531% | 2,946 |
| Retained earnings to average equity (ytd only) | 2.3681% | 4,193 |
| Net charge-offs to loans | 0.0085% | 2,677 |
| Credit loss provision to net charge-offs | 566.6667% | 534 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 414 |
| Efficiency ratio | 78.4196% | 1,575 |
| Assets per employee ($millions) | 4.5268% | 3,121 |
| Cash dividends to net income (ytd only)* | 70.2247% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 3,772 |
| Loan loss allowance to noncurrent loans | 115.4717% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.8836% | 2,094 |
| Noncurrent loans to loans | 0.9435% | 2,157 |
| Net loans and leases to total assets | 69.7403% | 2,431 |
| Net loans and leases to deposits | 85.6553% | 2,070 |
| Net loans and leases to core deposits | 108.0349% | 979 |
| Total domestic deposits to total assets | 81.4197% | 4,317 |
| Equity capital to assets | 9.0481% | 4,763 |
| Core capital (leverage) ratio | 8.7485% | 5,000 |
| Tier 1 risk-based capital ratio | 11.0611% | 5,275 |
| Total risk-based capital ratio | 12.0699% | 5,320 |
| Memoranda: | ||
| Average total assets | $199,524,500 | 3,001 |
| Average earning assets | $190,299,500 | 2,929 |
| Average equity | $17,905,000 | 3,419 |
| Average total loans | $140,819,000 | 2,806 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4860% | 1,576 |
| Cost of funding earning assets | 1.1076% | 97 |
| Net interest margin | 3.3784% | 3,897 |
| Noninterest income to average assets | 0.3808% | 4,028 |
| Noninterest expense to average assets | 2.7739% | 3,108 |
| Loan and lease loss provision to assets | 0.0454% | 3,475 |
| Net operating income to assets | 0.7341% | 3,624 |
| Return on assets (ROA) | 0.9401% | 2,744 |
| Pretax return on assets | 0.9890% | 3,515 |
| Return on Equity (ROE) | 10.4435% | 1,787 |
| Retained earnings to average equity (ytd only) | 4.8408% | 2,450 |
| Net charge-offs to loans | 0.0007% | 4,261 |
| Credit loss provision to net charge-offs | 9,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,621.0000% | 32 |
| Efficiency ratio | 77.2363% | 1,806 |
| Assets per employee ($millions) | 4.6481% | 2,883 |
| Cash dividends to net income (ytd only)* | 53.6481% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,897 |
| Loan loss allowance to noncurrent loans | 74.6047% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.2243% | 1,463 |
| Noncurrent loans to loans | 1.4334% | 1,417 |
| Net loans and leases to total assets | 69.8904% | 2,493 |
| Net loans and leases to deposits | 89.1676% | 1,788 |
| Net loans and leases to core deposits | 110.9390% | 836 |
| Total domestic deposits to total assets | 78.3809% | 4,920 |
| Equity capital to assets | 8.8998% | 4,908 |
| Core capital (leverage) ratio | 8.5308% | 5,235 |
| Tier 1 risk-based capital ratio | 10.4247% | 5,604 |
| Total risk-based capital ratio | 11.3722% | 5,654 |
| Memoranda: | ||
| Average total assets | $198,275,800 | 2,972 |
| Average earning assets | $188,431,600 | 2,912 |
| Average equity | $17,848,400 | 3,427 |
| Average total loans | $137,238,000 | 2,812 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4804% | 1,604 |
| Cost of funding earning assets | 1.1059% | 93 |
| Net interest margin | 3.3745% | 3,943 |
| Noninterest income to average assets | 0.4622% | 3,477 |
| Noninterest expense to average assets | 2.7532% | 3,167 |
| Loan and lease loss provision to assets | 0.0404% | 3,430 |
| Net operating income to assets | 0.8281% | 3,248 |
| Return on assets (ROA) | 0.8281% | 3,372 |
| Pretax return on assets | 0.8739% | 4,067 |
| Return on Equity (ROE) | 9.1731% | 2,412 |
| Retained earnings to average equity (ytd only) | 3.5752% | 3,748 |
| Net charge-offs to loans | -0.0039% | 4,571 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0689% | 2,099 |
| Assets per employee ($millions) | 4.8973% | 2,499 |
| Cash dividends to net income (ytd only)* | 61.0254% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 4,108 |
| Loan loss allowance to noncurrent loans | 103.6364% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 2,211 |
| Noncurrent loans to loans | 1.0157% | 2,213 |
| Net loans and leases to total assets | 69.3826% | 2,590 |
| Net loans and leases to deposits | 90.0641% | 1,745 |
| Net loans and leases to core deposits | 112.9596% | 768 |
| Total domestic deposits to total assets | 77.0370% | 5,081 |
| Equity capital to assets | 9.0145% | 5,162 |
| Core capital (leverage) ratio | 8.4708% | 5,384 |
| Tier 1 risk-based capital ratio | 10.2884% | 5,706 |
| Total risk-based capital ratio | 11.2290% | 5,757 |
| Memoranda: | ||
| Average total assets | $197,877,250 | 2,992 |
| Average earning assets | $187,955,250 | 2,931 |
| Average equity | $17,863,500 | 3,456 |
| Average total loans | $136,247,500 | 2,832 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 1,541 |
| Cost of funding earning assets | 1.1079% | 87 |
| Net interest margin | 3.3824% | 3,960 |
| Noninterest income to average assets | 0.5028% | 3,170 |
| Noninterest expense to average assets | 2.7566% | 3,174 |
| Loan and lease loss provision to assets | 0.0305% | 3,520 |
| Net operating income to assets | 0.8908% | 2,909 |
| Return on assets (ROA) | 0.8908% | 3,036 |
| Pretax return on assets | 0.9284% | 3,840 |
| Return on Equity (ROE) | 9.8624% | 2,108 |
| Retained earnings to average equity (ytd only) | 4.2396% | 3,211 |
| Net charge-offs to loans | -0.0059% | 4,573 |
| Credit loss provision to net charge-offs | -750.0000% | 5,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1935% | 2,328 |
| Assets per employee ($millions) | 4.4886% | 3,050 |
| Cash dividends to net income (ytd only)* | 57.0125% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 4,078 |
| Loan loss allowance to noncurrent loans | 83.8841% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.0937% | 1,935 |
| Noncurrent loans to loans | 1.2823% | 1,771 |
| Net loans and leases to total assets | 67.3840% | 2,884 |
| Net loans and leases to deposits | 85.6417% | 2,291 |
| Net loans and leases to core deposits | 107.0669% | 1,099 |
| Total domestic deposits to total assets | 78.6813% | 4,853 |
| Equity capital to assets | 9.1550% | 5,110 |
| Core capital (leverage) ratio | 8.4331% | 5,418 |
| Tier 1 risk-based capital ratio | 10.5606% | 5,647 |
| Total risk-based capital ratio | 11.5131% | 5,696 |
| Memoranda: | ||
| Average total assets | $196,907,000 | 3,014 |
| Average earning assets | $187,027,330 | 2,964 |
| Average equity | $17,784,670 | 3,473 |
| Average total loans | $134,732,000 | 2,855 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 1,598 |
| Cost of funding earning assets | 1.1162% | 86 |
| Net interest margin | 3.3528% | 4,030 |
| Noninterest income to average assets | 0.5127% | 3,032 |
| Noninterest expense to average assets | 2.7038% | 3,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9460% | 2,529 |
| Return on assets (ROA) | 0.9460% | 2,643 |
| Pretax return on assets | 0.9928% | 3,510 |
| Return on Equity (ROE) | 10.5463% | 1,764 |
| Retained earnings to average equity (ytd only) | 4.8763% | 3,013 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1425% | 2,615 |
| Assets per employee ($millions) | 4.4926% | 3,084 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 4,411 |
| Loan loss allowance to noncurrent loans | 77.8693% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.1504% | 1,909 |
| Noncurrent loans to loans | 1.3307% | 1,793 |
| Net loans and leases to total assets | 68.5116% | 2,581 |
| Net loans and leases to deposits | 86.8535% | 1,963 |
| Net loans and leases to core deposits | 106.6034% | 1,039 |
| Total domestic deposits to total assets | 78.8818% | 4,993 |
| Equity capital to assets | 8.9861% | 5,180 |
| Core capital (leverage) ratio | 8.4056% | 5,475 |
| Tier 1 risk-based capital ratio | 10.3279% | 5,814 |
| Total risk-based capital ratio | 11.2479% | 5,865 |
| Memoranda: | ||
| Average total assets | $196,611,500 | 3,024 |
| Average earning assets | $186,708,500 | 2,974 |
| Average equity | $17,636,500 | 3,485 |
| Average total loans | $134,833,500 | 2,863 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 1,547 |
| Cost of funding earning assets | 1.2140% | 52 |
| Net interest margin | 3.3018% | 4,291 |
| Noninterest income to average assets | 0.4085% | 3,971 |
| Noninterest expense to average assets | 2.6447% | 3,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8253% | 3,222 |
| Return on assets (ROA) | 0.8253% | 3,303 |
| Pretax return on assets | 0.8863% | 3,901 |
| Return on Equity (ROE) | 9.0154% | 2,446 |
| Retained earnings to average equity (ytd only) | 3.7957% | 3,330 |
| Net charge-offs to loans | -0.0113% | 5,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8995% | 2,441 |
| Assets per employee ($millions) | 4.4443% | 3,132 |
| Cash dividends to net income (ytd only)* | 57.8981% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 4,252 |
| Loan loss allowance to noncurrent loans | 74.7614% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.7908% | 1,062 |
| Noncurrent loans to loans | 1.4200% | 1,639 |
| Net loans and leases to total assets | 67.2002% | 2,836 |
| Net loans and leases to deposits | 88.1000% | 1,868 |
| Net loans and leases to core deposits | 105.7839% | 1,109 |
| Total domestic deposits to total assets | 76.2772% | 5,414 |
| Equity capital to assets | 8.9542% | 5,170 |
| Core capital (leverage) ratio | 8.3068% | 5,598 |
| Tier 1 risk-based capital ratio | 10.2555% | 5,879 |
| Total risk-based capital ratio | 11.1811% | 5,920 |
| Memoranda: | ||
| Average total assets | $190,228,400 | 3,051 |
| Average earning assets | $179,902,800 | 3,000 |
| Average equity | $17,414,600 | 3,471 |
| Average total loans | $123,680,000 | 2,995 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5328% | 1,501 |
| Cost of funding earning assets | 1.2206% | 52 |
| Net interest margin | 3.3122% | 4,290 |
| Noninterest income to average assets | 0.4369% | 3,823 |
| Noninterest expense to average assets | 2.6017% | 3,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9183% | 2,875 |
| Return on assets (ROA) | 0.9183% | 2,961 |
| Pretax return on assets | 0.9649% | 3,763 |
| Return on Equity (ROE) | 9.9744% | 2,116 |
| Retained earnings to average equity (ytd only) | 4.9910% | 2,925 |
| Net charge-offs to loans | -0.0198% | 5,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9468% | 2,726 |
| Assets per employee ($millions) | 4.4157% | 3,150 |
| Cash dividends to net income (ytd only)* | 49.9620% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 4,355 |
| Loan loss allowance to noncurrent loans | 127.5204% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.4319% | 1,592 |
| Noncurrent loans to loans | 0.8430% | 2,863 |
| Net loans and leases to total assets | 66.4958% | 2,933 |
| Net loans and leases to deposits | 89.8199% | 1,674 |
| Net loans and leases to core deposits | 109.6126% | 896 |
| Total domestic deposits to total assets | 74.0324% | 5,708 |
| Equity capital to assets | 9.2212% | 5,094 |
| Core capital (leverage) ratio | 8.4951% | 5,553 |
| Tier 1 risk-based capital ratio | 10.1695% | 5,993 |
| Total risk-based capital ratio | 11.0898% | 6,051 |
| Memoranda: | ||
| Average total assets | $188,898,000 | 3,090 |
| Average earning assets | $178,488,250 | 3,041 |
| Average equity | $17,390,750 | 3,503 |
| Average total loans | $121,395,000 | 3,056 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 1,757 |
| Cost of funding earning assets | 1.2327% | 52 |
| Net interest margin | 3.1955% | 4,679 |
| Noninterest income to average assets | 0.3239% | 4,631 |
| Noninterest expense to average assets | 2.5420% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7557% | 3,621 |
| Return on assets (ROA) | 0.7557% | 3,717 |
| Pretax return on assets | 0.7996% | 4,312 |
| Return on Equity (ROE) | 8.2134% | 2,936 |
| Retained earnings to average equity (ytd only) | 3.5665% | 3,758 |
| Net charge-offs to loans | 0.0203% | 3,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 62.3333% | 822 |
| Efficiency ratio | 76.0717% | 2,343 |
| Assets per employee ($millions) | 4.3132% | 3,281 |
| Cash dividends to net income (ytd only)* | 56.5771% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 4,163 |
| Loan loss allowance to noncurrent loans | 242.6316% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 1.5987% | 1,507 |
| Noncurrent loans to loans | 0.4674% | 4,079 |
| Net loans and leases to total assets | 63.5344% | 3,338 |
| Net loans and leases to deposits | 83.8590% | 2,326 |
| Net loans and leases to core deposits | 103.4925% | 1,221 |
| Total domestic deposits to total assets | 75.7634% | 5,623 |
| Equity capital to assets | 8.9272% | 5,305 |
| Core capital (leverage) ratio | 8.4333% | 5,593 |
| Tier 1 risk-based capital ratio | 10.5518% | 5,900 |
| Total risk-based capital ratio | 11.5082% | 5,953 |
| Memoranda: | ||
| Average total assets | $187,100,000 | 3,137 |
| Average earning assets | $176,685,670 | 3,078 |
| Average equity | $17,215,670 | 3,535 |
| Average total loans | $118,326,670 | 3,117 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3595% | 1,904 |
| Cost of funding earning assets | 1.2436% | 51 |
| Net interest margin | 3.1159% | 4,902 |
| Noninterest income to average assets | 0.4220% | 3,828 |
| Noninterest expense to average assets | 2.4354% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8850% | 2,820 |
| Return on assets (ROA) | 0.8850% | 2,947 |
| Pretax return on assets | 0.9324% | 3,773 |
| Return on Equity (ROE) | 9.4741% | 2,230 |
| Retained earnings to average equity (ytd only) | 4.8639% | 3,134 |
| Net charge-offs to loans | 0.0481% | 2,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 30.9286% | 1,133 |
| Efficiency ratio | 72.3146% | 3,117 |
| Assets per employee ($millions) | 4.2118% | 3,545 |
| Cash dividends to net income (ytd only)* | 48.6618% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 4,052 |
| Loan loss allowance to noncurrent loans | 241.3613% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 1.7462% | 1,415 |
| Noncurrent loans to loans | 0.4919% | 4,102 |
| Net loans and leases to total assets | 62.1090% | 3,350 |
| Net loans and leases to deposits | 83.0485% | 2,204 |
| Net loans and leases to core deposits | 101.7324% | 1,199 |
| Total domestic deposits to total assets | 74.7865% | 5,847 |
| Equity capital to assets | 9.5451% | 4,698 |
| Core capital (leverage) ratio | 8.5767% | 5,451 |
| Tier 1 risk-based capital ratio | 10.9414% | 5,834 |
| Total risk-based capital ratio | 11.9376% | 5,867 |
| Memoranda: | ||
| Average total assets | $185,760,500 | 3,166 |
| Average earning assets | $175,615,000 | 3,109 |
| Average equity | $17,352,500 | 3,544 |
| Average total loans | $116,511,000 | 3,154 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5280% | 1,763 |
| Cost of funding earning assets | 1.2826% | 58 |
| Net interest margin | 3.2454% | 4,770 |
| Noninterest income to average assets | 0.3837% | 4,307 |
| Noninterest expense to average assets | 2.6677% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7380% | 3,692 |
| Return on assets (ROA) | 0.7374% | 3,802 |
| Pretax return on assets | 0.7733% | 4,357 |
| Return on Equity (ROE) | 7.6033% | 3,325 |
| Retained earnings to average equity (ytd only) | 2.8363% | 4,222 |
| Net charge-offs to loans | -0.0625% | 6,002 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5147% | 2,276 |
| Assets per employee ($millions) | 4.3302% | 3,308 |
| Cash dividends to net income (ytd only)* | 62.6959% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 3,986 |
| Loan loss allowance to noncurrent loans | 238.9078% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 1.6547% | 1,626 |
| Noncurrent loans to loans | 0.5028% | 4,158 |
| Net loans and leases to total assets | 61.8357% | 3,527 |
| Net loans and leases to deposits | 82.6885% | 2,385 |
| Net loans and leases to core deposits | 101.4619% | 1,280 |
| Total domestic deposits to total assets | 74.7814% | 5,876 |
| Equity capital to assets | 9.1386% | 5,142 |
| Core capital (leverage) ratio | 8.3970% | 5,663 |
| Tier 1 risk-based capital ratio | 11.0161% | 5,901 |
| Total risk-based capital ratio | 12.0442% | 5,930 |
| Memoranda: | ||
| Average total assets | $173,032,400 | 3,289 |
| Average earning assets | $163,029,200 | 3,238 |
| Average equity | $16,782,200 | 3,561 |
| Average total loans | $107,198,200 | 3,285 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 1,677 |
| Cost of funding earning assets | 1.2900% | 59 |
| Net interest margin | 3.2685% | 4,726 |
| Noninterest income to average assets | 0.4030% | 4,225 |
| Noninterest expense to average assets | 2.7885% | 3,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6472% | 4,228 |
| Return on assets (ROA) | 0.6465% | 4,327 |
| Pretax return on assets | 0.6904% | 4,729 |
| Return on Equity (ROE) | 6.5614% | 3,928 |
| Retained earnings to average equity (ytd only) | 1.7779% | 5,163 |
| Net charge-offs to loans | -0.0509% | 5,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1354% | 1,896 |
| Assets per employee ($millions) | 4.2265% | 3,424 |
| Cash dividends to net income (ytd only)* | 72.9037% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 3,660 |
| Loan loss allowance to noncurrent loans | 221.8094% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 1.8166% | 1,629 |
| Noncurrent loans to loans | 0.5850% | 4,169 |
| Net loans and leases to total assets | 60.2703% | 3,740 |
| Net loans and leases to deposits | 81.9330% | 2,432 |
| Net loans and leases to core deposits | 94.5184% | 1,806 |
| Total domestic deposits to total assets | 73.5605% | 6,050 |
| Equity capital to assets | 9.5692% | 4,713 |
| Core capital (leverage) ratio | 8.8747% | 5,227 |
| Tier 1 risk-based capital ratio | 11.8538% | 5,586 |
| Total risk-based capital ratio | 12.9570% | 5,588 |
| Memoranda: | ||
| Average total assets | $169,740,500 | 3,372 |
| Average earning assets | $159,783,500 | 3,308 |
| Average equity | $16,723,750 | 3,586 |
| Average total loans | $104,863,250 | 3,357 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5567% | 1,650 |
| Cost of funding earning assets | 1.2725% | 68 |
| Net interest margin | 3.2842% | 4,652 |
| Noninterest income to average assets | 0.4010% | 4,242 |
| Noninterest expense to average assets | 2.5890% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8578% | 3,026 |
| Return on assets (ROA) | 0.8567% | 3,135 |
| Pretax return on assets | 0.9006% | 3,886 |
| Return on Equity (ROE) | 8.6101% | 2,781 |
| Retained earnings to average equity (ytd only) | 3.8400% | 3,735 |
| Net charge-offs to loans | -0.0631% | 5,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1672% | 2,950 |
| Assets per employee ($millions) | 4.2026% | 3,454 |
| Cash dividends to net income (ytd only)* | 55.4017% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 3,841 |
| Loan loss allowance to noncurrent loans | 221.2903% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 2.0898% | 1,500 |
| Noncurrent loans to loans | 0.5888% | 4,256 |
| Net loans and leases to total assets | 61.8264% | 3,432 |
| Net loans and leases to deposits | 85.4514% | 1,873 |
| Net loans and leases to core deposits | 93.9235% | 1,783 |
| Total domestic deposits to total assets | 72.3527% | 6,224 |
| Equity capital to assets | 10.3324% | 3,648 |
| Core capital (leverage) ratio | 9.2235% | 4,702 |
| Tier 1 risk-based capital ratio | 12.2510% | 5,382 |
| Total risk-based capital ratio | 13.3762% | 5,390 |
| Memoranda: | ||
| Average total assets | $168,558,670 | 3,399 |
| Average earning assets | $158,579,670 | 3,344 |
| Average equity | $16,771,000 | 3,569 |
| Average total loans | $104,546,670 | 3,366 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 1,815 |
| Cost of funding earning assets | 1.2571% | 77 |
| Net interest margin | 3.2424% | 4,768 |
| Noninterest income to average assets | 0.4598% | 3,714 |
| Noninterest expense to average assets | 2.6590% | 4,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8080% | 3,111 |
| Return on assets (ROA) | 0.8058% | 3,202 |
| Pretax return on assets | 0.8484% | 3,909 |
| Return on Equity (ROE) | 8.2564% | 2,812 |
| Retained earnings to average equity (ytd only) | 3.3997% | 4,091 |
| Net charge-offs to loans | 0.1114% | 2,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.3793% | 1,720 |
| Efficiency ratio | 75.7596% | 2,840 |
| Assets per employee ($millions) | 4.3635% | 3,214 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 4,304 |
| Loan loss allowance to noncurrent loans | 176.5416% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 2.6173% | 1,182 |
| Noncurrent loans to loans | 0.7169% | 4,077 |
| Net loans and leases to total assets | 60.3778% | 3,493 |
| Net loans and leases to deposits | 82.7232% | 1,977 |
| Net loans and leases to core deposits | 90.3295% | 1,884 |
| Total domestic deposits to total assets | 72.9878% | 6,309 |
| Equity capital to assets | 9.9169% | 3,945 |
| Core capital (leverage) ratio | 8.9989% | 5,013 |
| Tier 1 risk-based capital ratio | 12.0547% | 5,607 |
| Total risk-based capital ratio | 13.1269% | 5,646 |
| Memoranda: | ||
| Average total assets | $168,786,500 | 3,426 |
| Average earning assets | $158,773,000 | 3,362 |
| Average equity | $16,472,000 | 3,625 |
| Average total loans | $104,168,000 | 3,384 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6668% | 1,666 |
| Cost of funding earning assets | 1.2746% | 124 |
| Net interest margin | 3.3922% | 4,303 |
| Noninterest income to average assets | 0.4424% | 4,137 |
| Noninterest expense to average assets | 2.5164% | 4,717 |
| Loan and lease loss provision to assets | 0.0124% | 4,872 |
| Net operating income to assets | 1.0596% | 2,077 |
| Return on assets (ROA) | 1.0809% | 2,069 |
| Pretax return on assets | 1.1356% | 2,826 |
| Return on Equity (ROE) | 10.8149% | 1,823 |
| Retained earnings to average equity (ytd only) | 3.3435% | 3,849 |
| Net charge-offs to loans | -0.1181% | 6,516 |
| Credit loss provision to net charge-offs | -17.2414% | 5,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0928% | 3,994 |
| Assets per employee ($millions) | 4.4052% | 3,076 |
| Cash dividends to net income (ytd only)* | 69.0846% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 4,177 |
| Loan loss allowance to noncurrent loans | 131.9961% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 2.8154% | 1,152 |
| Noncurrent loans to loans | 0.9801% | 3,561 |
| Net loans and leases to total assets | 61.4834% | 3,445 |
| Net loans and leases to deposits | 84.1285% | 1,925 |
| Net loans and leases to core deposits | 89.2026% | 2,116 |
| Total domestic deposits to total assets | 73.0827% | 6,350 |
| Equity capital to assets | 9.5987% | 4,290 |
| Core capital (leverage) ratio | 9.0434% | 4,938 |
| Tier 1 risk-based capital ratio | 11.8007% | 5,742 |
| Total risk-based capital ratio | 12.8853% | 5,771 |
| Memoranda: | ||
| Average total assets | $160,704,200 | 3,554 |
| Average earning assets | $151,581,200 | 3,475 |
| Average equity | $16,061,200 | 3,689 |
| Average total loans | $98,224,400 | 3,493 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 2,022 |
| Cost of funding earning assets | 1.2824% | 137 |
| Net interest margin | 3.2717% | 4,745 |
| Noninterest income to average assets | 0.4452% | 4,189 |
| Noninterest expense to average assets | 2.5177% | 4,663 |
| Loan and lease loss provision to assets | 0.0168% | 4,677 |
| Net operating income to assets | 0.9497% | 2,594 |
| Return on assets (ROA) | 0.9784% | 2,577 |
| Pretax return on assets | 1.0295% | 3,379 |
| Return on Equity (ROE) | 9.6887% | 2,308 |
| Retained earnings to average equity (ytd only) | 1.3865% | 5,427 |
| Net charge-offs to loans | -0.3419% | 6,740 |
| Credit loss provision to net charge-offs | -8.0645% | 5,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2456% | 3,563 |
| Assets per employee ($millions) | 4.2945% | 3,240 |
| Cash dividends to net income (ytd only)* | 85.6899% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 3,247 |
| Loan loss allowance to noncurrent loans | 97.0682% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 3.2499% | 1,089 |
| Noncurrent loans to loans | 1.5926% | 2,782 |
| Net loans and leases to total assets | 61.0423% | 3,518 |
| Net loans and leases to deposits | 84.7947% | 1,764 |
| Net loans and leases to core deposits | 88.9177% | 2,083 |
| Total domestic deposits to total assets | 71.9883% | 6,497 |
| Equity capital to assets | 9.6804% | 4,323 |
| Core capital (leverage) ratio | 9.2458% | 4,764 |
| Tier 1 risk-based capital ratio | 12.0530% | 5,750 |
| Total risk-based capital ratio | 13.3036% | 5,688 |
| Memoranda: | ||
| Average total assets | $159,030,750 | 3,606 |
| Average earning assets | $150,130,750 | 3,531 |
| Average equity | $16,059,500 | 3,733 |
| Average total loans | $96,712,750 | 3,558 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 2,006 |
| Cost of funding earning assets | 1.2752% | 158 |
| Net interest margin | 3.2830% | 4,641 |
| Noninterest income to average assets | 0.4576% | 4,112 |
| Noninterest expense to average assets | 2.4567% | 4,875 |
| Loan and lease loss provision to assets | 0.0251% | 4,416 |
| Net operating income to assets | 1.0269% | 2,211 |
| Return on assets (ROA) | 1.0699% | 2,153 |
| Pretax return on assets | 1.1253% | 2,991 |
| Return on Equity (ROE) | 10.4511% | 2,027 |
| Retained earnings to average equity (ytd only) | -1.8299% | 6,170 |
| Net charge-offs to loans | -0.3142% | 6,766 |
| Credit loss provision to net charge-offs | -13.2450% | 5,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9728% | 4,014 |
| Assets per employee ($millions) | 4.1966% | 3,364 |
| Cash dividends to net income (ytd only)* | 117.5088% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 3,857 |
| Loan loss allowance to noncurrent loans | 60.1688% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 3.6602% | 1,018 |
| Noncurrent loans to loans | 2.3890% | 1,968 |
| Net loans and leases to total assets | 61.3130% | 3,420 |
| Net loans and leases to deposits | 85.1093% | 1,672 |
| Net loans and leases to core deposits | 90.8877% | 1,822 |
| Total domestic deposits to total assets | 72.0402% | 6,562 |
| Equity capital to assets | 9.8061% | 4,178 |
| Core capital (leverage) ratio | 9.0319% | 4,936 |
| Tier 1 risk-based capital ratio | 11.9859% | 5,801 |
| Total risk-based capital ratio | 13.1733% | 5,786 |
| Memoranda: | ||
| Average total assets | $159,075,000 | 3,630 |
| Average earning assets | $150,413,330 | 3,542 |
| Average equity | $16,285,330 | 3,721 |
| Average total loans | $96,111,000 | 3,586 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 2,468 |
| Cost of funding earning assets | 1.2621% | 180 |
| Net interest margin | 3.1527% | 5,082 |
| Noninterest income to average assets | 0.5086% | 3,719 |
| Noninterest expense to average assets | 2.4094% | 5,094 |
| Loan and lease loss provision to assets | 0.0504% | 3,780 |
| Net operating income to assets | 0.9931% | 2,252 |
| Return on assets (ROA) | 1.0801% | 2,039 |
| Pretax return on assets | 1.1204% | 2,880 |
| Return on Equity (ROE) | 10.3317% | 1,943 |
| Retained earnings to average equity (ytd only) | 10.3317% | 1,027 |
| Net charge-offs to loans | -0.0085% | 5,387 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0476% | 4,138 |
| Assets per employee ($millions) | 4.3262% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 4,559 |
| Loan loss allowance to noncurrent loans | 73.3487% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 3.1767% | 1,374 |
| Noncurrent loans to loans | 1.8125% | 2,844 |
| Net loans and leases to total assets | 59.2097% | 3,571 |
| Net loans and leases to deposits | 83.0437% | 1,704 |
| Net loans and leases to core deposits | 87.4956% | 1,957 |
| Total domestic deposits to total assets | 71.2994% | 6,690 |
| Equity capital to assets | 10.6597% | 3,365 |
| Core capital (leverage) ratio | 9.3850% | 4,266 |
| Tier 1 risk-based capital ratio | 12.9410% | 5,269 |
| Total risk-based capital ratio | 14.0415% | 5,316 |
| Memoranda: | ||
| Average total assets | $158,876,500 | 3,674 |
| Average earning assets | $150,221,500 | 3,587 |
| Average equity | $16,609,000 | 3,728 |
| Average total loans | $94,565,000 | 3,638 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 2,914 |
| Cost of funding earning assets | 1.4231% | 235 |
| Net interest margin | 3.1986% | 5,569 |
| Noninterest income to average assets | 0.6835% | 2,814 |
| Noninterest expense to average assets | 2.5005% | 5,089 |
| Loan and lease loss provision to assets | 0.1232% | 4,079 |
| Net operating income to assets | 0.9968% | 2,347 |
| Return on assets (ROA) | 1.1471% | 1,950 |
| Pretax return on assets | 1.2133% | 2,759 |
| Return on Equity (ROE) | 11.6423% | 1,610 |
| Retained earnings to average equity (ytd only) | 11.6423% | 358 |
| Net charge-offs to loans | 0.6691% | 1,761 |
| Credit loss provision to net charge-offs | 32.8152% | 5,066 |
| Earnings coverage of net charge-offs (x) | 3.1382% | 3,865 |
| Efficiency ratio | 67.9711% | 4,147 |
| Assets per employee ($millions) | 4.0432% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 4,412 |
| Loan loss allowance to noncurrent loans | 70.1509% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 3.2337% | 1,434 |
| Noncurrent loans to loans | 1.9221% | 2,782 |
| Net loans and leases to total assets | 58.2314% | 3,933 |
| Net loans and leases to deposits | 81.4334% | 2,082 |
| Net loans and leases to core deposits | 84.0475% | 2,545 |
| Total domestic deposits to total assets | 71.5080% | 6,715 |
| Equity capital to assets | 10.2452% | 3,833 |
| Core capital (leverage) ratio | 9.2376% | 4,515 |
| Tier 1 risk-based capital ratio | 12.7578% | 5,289 |
| Total risk-based capital ratio | 13.8576% | 5,341 |
| Memoranda: | ||
| Average total assets | $154,209,200 | 3,711 |
| Average earning assets | $144,406,000 | 3,657 |
| Average equity | $15,194,600 | 3,919 |
| Average total loans | $86,528,200 | 3,832 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6769% | 2,906 |
| Cost of funding earning assets | 1.4591% | 240 |
| Net interest margin | 3.2178% | 5,657 |
| Noninterest income to average assets | 0.7078% | 2,670 |
| Noninterest expense to average assets | 2.4494% | 5,239 |
| Loan and lease loss provision to assets | 0.0870% | 4,521 |
| Net operating income to assets | 1.1201% | 2,022 |
| Return on assets (ROA) | 1.3216% | 1,525 |
| Pretax return on assets | 1.3903% | 2,270 |
| Return on Equity (ROE) | 13.5519% | 1,209 |
| Retained earnings to average equity (ytd only) | 13.5519% | 341 |
| Net charge-offs to loans | 0.8670% | 1,267 |
| Credit loss provision to net charge-offs | 18.1159% | 4,984 |
| Earnings coverage of net charge-offs (x) | 2.6359% | 3,981 |
| Efficiency ratio | 65.9410% | 4,458 |
| Assets per employee ($millions) | 4.1969% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 4,301 |
| Loan loss allowance to noncurrent loans | 64.2241% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 3.3120% | 1,537 |
| Noncurrent loans to loans | 2.2061% | 2,613 |
| Net loans and leases to total assets | 54.8932% | 4,605 |
| Net loans and leases to deposits | 78.3378% | 2,616 |
| Net loans and leases to core deposits | 80.3910% | 3,151 |
| Total domestic deposits to total assets | 70.0724% | 6,838 |
| Equity capital to assets | 10.7791% | 3,529 |
| Core capital (leverage) ratio | 9.4270% | 4,378 |
| Tier 1 risk-based capital ratio | 13.4336% | 4,920 |
| Total risk-based capital ratio | 14.5591% | 4,984 |
| Memoranda: | ||
| Average total assets | $153,340,750 | 3,767 |
| Average earning assets | $143,283,250 | 3,709 |
| Average equity | $14,954,500 | 4,013 |
| Average total loans | $84,891,250 | 3,924 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 2,611 |
| Cost of funding earning assets | 1.4805% | 260 |
| Net interest margin | 3.2938% | 5,452 |
| Noninterest income to average assets | 0.5036% | 3,901 |
| Noninterest expense to average assets | 2.4583% | 5,265 |
| Loan and lease loss provision to assets | 0.1298% | 3,907 |
| Net operating income to assets | 0.9383% | 2,719 |
| Return on assets (ROA) | 1.1578% | 2,063 |
| Pretax return on assets | 1.2162% | 2,856 |
| Return on Equity (ROE) | 12.2944% | 1,580 |
| Retained earnings to average equity (ytd only) | 12.2944% | 538 |
| Net charge-offs to loans | 1.2966% | 823 |
| Credit loss provision to net charge-offs | 18.1159% | 4,642 |
| Earnings coverage of net charge-offs (x) | 1.5562% | 4,215 |
| Efficiency ratio | 68.7977% | 3,976 |
| Assets per employee ($millions) | 4.5978% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 4,384 |
| Loan loss allowance to noncurrent loans | 63.5394% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 4.1416% | 1,209 |
| Noncurrent loans to loans | 2.2342% | 2,688 |
| Net loans and leases to total assets | 54.5542% | 4,697 |
| Net loans and leases to deposits | 78.4253% | 2,608 |
| Net loans and leases to core deposits | 80.3304% | 3,172 |
| Total domestic deposits to total assets | 69.5620% | 6,927 |
| Equity capital to assets | 10.0865% | 4,208 |
| Core capital (leverage) ratio | 8.9614% | 4,963 |
| Tier 1 risk-based capital ratio | 12.9045% | 5,252 |
| Total risk-based capital ratio | 14.0372% | 5,322 |
| Memoranda: | ||
| Average total assets | $154,091,670 | 3,768 |
| Average earning assets | $143,601,330 | 3,725 |
| Average equity | $14,510,670 | 4,086 |
| Average total loans | $85,145,330 | 3,942 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 2,633 |
| Cost of funding earning assets | 1.4880% | 303 |
| Net interest margin | 3.3134% | 5,424 |
| Noninterest income to average assets | 0.4843% | 4,030 |
| Noninterest expense to average assets | 2.3855% | 5,522 |
| Loan and lease loss provision to assets | 0.2576% | 2,395 |
| Net operating income to assets | 0.8681% | 3,060 |
| Return on assets (ROA) | 0.8681% | 3,289 |
| Pretax return on assets | 0.9274% | 3,938 |
| Return on Equity (ROE) | 9.5508% | 2,581 |
| Retained earnings to average equity (ytd only) | 9.5508% | 1,397 |
| Net charge-offs to loans | 2.2814% | 379 |
| Credit loss provision to net charge-offs | 20.4499% | 3,766 |
| Earnings coverage of net charge-offs (x) | 0.9407% | 3,855 |
| Efficiency ratio | 66.8110% | 4,398 |
| Assets per employee ($millions) | 4.5563% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 4,328 |
| Loan loss allowance to noncurrent loans | 65.2626% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 4.1649% | 1,311 |
| Noncurrent loans to loans | 2.2406% | 2,874 |
| Net loans and leases to total assets | 54.5913% | 4,622 |
| Net loans and leases to deposits | 77.0905% | 2,664 |
| Net loans and leases to core deposits | 78.8875% | 3,201 |
| Total domestic deposits to total assets | 70.8146% | 6,940 |
| Equity capital to assets | 9.2452% | 5,168 |
| Core capital (leverage) ratio | 8.3708% | 5,776 |
| Tier 1 risk-based capital ratio | 11.8958% | 6,029 |
| Total risk-based capital ratio | 13.0491% | 6,067 |
| Memoranda: | ||
| Average total assets | $155,273,500 | 3,776 |
| Average earning assets | $144,624,000 | 3,728 |
| Average equity | $14,114,000 | 4,182 |
| Average total loans | $85,735,000 | 3,946 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 2,847 |
| Cost of funding earning assets | 1.7108% | 311 |
| Net interest margin | 3.2979% | 5,807 |
| Noninterest income to average assets | 0.0598% | 6,800 |
| Noninterest expense to average assets | 2.3038% | 6,029 |
| Loan and lease loss provision to assets | 0.1847% | 4,347 |
| Net operating income to assets | 0.5949% | 4,025 |
| Return on assets (ROA) | 0.6431% | 3,963 |
| Pretax return on assets | 0.6743% | 4,425 |
| Return on Equity (ROE) | 7.8477% | 2,988 |
| Retained earnings to average equity (ytd only) | 7.8477% | 1,132 |
| Net charge-offs to loans | 0.1654% | 4,825 |
| Credit loss provision to net charge-offs | 204.3165% | 1,217 |
| Earnings coverage of net charge-offs (x) | 8.9424% | 2,060 |
| Efficiency ratio | 74.0284% | 3,235 |
| Assets per employee ($millions) | 4.7162% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 4,342 |
| Loan loss allowance to noncurrent loans | 53.5933% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 3.3168% | 1,791 |
| Noncurrent loans to loans | 2.6645% | 2,438 |
| Net loans and leases to total assets | 54.2446% | 5,000 |
| Net loans and leases to deposits | 76.1418% | 3,157 |
| Net loans and leases to core deposits | 77.6111% | 3,730 |
| Total domestic deposits to total assets | 71.2415% | 6,913 |
| Equity capital to assets | 8.9351% | 5,628 |
| Core capital (leverage) ratio | 8.2012% | 5,994 |
| Tier 1 risk-based capital ratio | 11.7194% | 6,011 |
| Total risk-based capital ratio | 12.8519% | 6,081 |
| Memoranda: | ||
| Average total assets | $153,792,000 | 3,739 |
| Average earning assets | $142,332,400 | 3,706 |
| Average equity | $12,602,400 | 4,418 |
| Average total loans | $84,039,200 | 4,024 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 2,673 |
| Cost of funding earning assets | 1.7542% | 313 |
| Net interest margin | 3.3325% | 5,765 |
| Noninterest income to average assets | -0.0513% | 7,163 |
| Noninterest expense to average assets | 2.3574% | 5,889 |
| Loan and lease loss provision to assets | 0.1583% | 4,487 |
| Net operating income to assets | 0.4820% | 4,622 |
| Return on assets (ROA) | 0.5130% | 4,678 |
| Pretax return on assets | 0.5470% | 4,988 |
| Return on Equity (ROE) | 6.4078% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.4078% | 2,290 |
| Net charge-offs to loans | 0.0590% | 5,380 |
| Credit loss provision to net charge-offs | 491.8919% | 566 |
| Earnings coverage of net charge-offs (x) | 20.8928% | 1,203 |
| Efficiency ratio | 77.8129% | 2,568 |
| Assets per employee ($millions) | 4.6414% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 4,248 |
| Loan loss allowance to noncurrent loans | 80.8862% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 3.4407% | 1,834 |
| Noncurrent loans to loans | 1.8176% | 3,617 |
| Net loans and leases to total assets | 53.5132% | 5,240 |
| Net loans and leases to deposits | 75.7593% | 3,366 |
| Net loans and leases to core deposits | 77.3304% | 4,000 |
| Total domestic deposits to total assets | 70.6358% | 7,006 |
| Equity capital to assets | 9.1672% | 5,562 |
| Core capital (leverage) ratio | 8.0951% | 6,289 |
| Tier 1 risk-based capital ratio | 11.5497% | 6,214 |
| Total risk-based capital ratio | 12.7031% | 6,263 |
| Memoranda: | ||
| Average total assets | $153,331,500 | 3,771 |
| Average earning assets | $141,751,500 | 3,734 |
| Average equity | $12,276,500 | 4,493 |
| Average total loans | $83,637,500 | 4,072 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1494% | 2,466 |
| Cost of funding earning assets | 1.7908% | 321 |
| Net interest margin | 3.3585% | 5,688 |
| Noninterest income to average assets | -0.2582% | 7,365 |
| Noninterest expense to average assets | 2.3431% | 6,018 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4521% | 4,709 |
| Return on assets (ROA) | 0.4837% | 4,720 |
| Pretax return on assets | 0.5346% | 4,954 |
| Return on Equity (ROE) | 6.3482% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.3482% | 2,214 |
| Net charge-offs to loans | -0.3724% | 7,366 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4312% | 2,040 |
| Assets per employee ($millions) | 4.6637% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 4,115 |
| Loan loss allowance to noncurrent loans | 55.2125% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 3.1670% | 2,121 |
| Noncurrent loans to loans | 2.7210% | 2,673 |
| Net loans and leases to total assets | 52.5698% | 5,491 |
| Net loans and leases to deposits | 73.4341% | 3,888 |
| Net loans and leases to core deposits | 76.3430% | 4,265 |
| Total domestic deposits to total assets | 71.5878% | 7,033 |
| Equity capital to assets | 8.3430% | 6,373 |
| Core capital (leverage) ratio | 7.8264% | 6,490 |
| Tier 1 risk-based capital ratio | 11.4313% | 6,224 |
| Total risk-based capital ratio | 12.6093% | 6,267 |
| Memoranda: | ||
| Average total assets | $153,386,670 | 3,794 |
| Average earning assets | $141,609,670 | 3,762 |
| Average equity | $11,688,330 | 4,643 |
| Average total loans | $83,787,670 | 4,101 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2037% | 2,209 |
| Cost of funding earning assets | 1.8394% | 328 |
| Net interest margin | 3.3643% | 5,564 |
| Noninterest income to average assets | 0.3082% | 5,460 |
| Noninterest expense to average assets | 2.3274% | 6,119 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9979% | 2,186 |
| Return on assets (ROA) | 1.0579% | 2,034 |
| Pretax return on assets | 1.1467% | 2,579 |
| Return on Equity (ROE) | 14.5782% | 890 |
| Retained earnings to average equity (ytd only) | 14.5782% | 427 |
| Net charge-offs to loans | -0.7233% | 7,457 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2759% | 4,603 |
| Assets per employee ($millions) | 4.6350% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 4,316 |
| Loan loss allowance to noncurrent loans | 54.7111% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 3.6527% | 1,857 |
| Noncurrent loans to loans | 2.6984% | 2,797 |
| Net loans and leases to total assets | 53.7109% | 5,345 |
| Net loans and leases to deposits | 74.4187% | 3,697 |
| Net loans and leases to core deposits | 80.7853% | 3,632 |
| Total domestic deposits to total assets | 72.1740% | 7,071 |
| Equity capital to assets | 7.6507% | 6,782 |
| Core capital (leverage) ratio | 7.7968% | 6,467 |
| Tier 1 risk-based capital ratio | 11.1207% | 6,421 |
| Total risk-based capital ratio | 12.2666% | 6,481 |
| Memoranda: | ||
| Average total assets | $153,129,000 | 3,830 |
| Average earning assets | $141,130,000 | 3,799 |
| Average equity | $11,112,500 | 4,769 |
| Average total loans | $84,611,500 | 4,122 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3664% | 2,827 |
| Cost of funding earning assets | 2.3016% | 209 |
| Net interest margin | 3.0648% | 6,606 |
| Noninterest income to average assets | 0.4095% | 4,826 |
| Noninterest expense to average assets | 2.3843% | 6,127 |
| Loan and lease loss provision to assets | 0.1764% | 5,463 |
| Net operating income to assets | 0.6108% | 3,624 |
| Return on assets (ROA) | 0.3624% | 4,859 |
| Pretax return on assets | 0.3872% | 4,987 |
| Return on Equity (ROE) | 5.4161% | 3,886 |
| Retained earnings to average equity (ytd only) | 5.4161% | 2,166 |
| Net charge-offs to loans | 0.3525% | 4,256 |
| Credit loss provision to net charge-offs | 90.8197% | 5,093 |
| Earnings coverage of net charge-offs (x) | 4.2623% | 2,996 |
| Efficiency ratio | 74.2268% | 3,351 |
| Assets per employee ($millions) | 4.6456% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 5,223 |
| Loan loss allowance to noncurrent loans | 422.7451% | 736 |
| Noncurrent assets plus other real estate owned to assets | 2.4716% | 2,800 |
| Noncurrent loans to loans | 0.2971% | 6,463 |
| Net loans and leases to total assets | 55.2895% | 5,442 |
| Net loans and leases to deposits | 77.7966% | 3,542 |
| Net loans and leases to core deposits | 85.0587% | 3,456 |
| Total domestic deposits to total assets | 71.0692% | 7,164 |
| Equity capital to assets | 6.8641% | 7,152 |
| Core capital (leverage) ratio | 7.4912% | 6,714 |
| Tier 1 risk-based capital ratio | 10.5107% | 6,697 |
| Total risk-based capital ratio | 11.4902% | 6,830 |
| Memoranda: | ||
| Average total assets | $157,025,800 | 3,759 |
| Average earning assets | $143,598,400 | 3,748 |
| Average equity | $10,505,800 | 4,983 |
| Average total loans | $86,530,600 | 4,142 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3138% | 3,281 |
| Cost of funding earning assets | 2.3521% | 229 |
| Net interest margin | 2.9617% | 6,911 |
| Noninterest income to average assets | 0.4254% | 4,757 |
| Noninterest expense to average assets | 2.1845% | 6,649 |
| Loan and lease loss provision to assets | 0.2178% | 4,892 |
| Net operating income to assets | 0.7259% | 3,294 |
| Return on assets (ROA) | 0.6618% | 3,757 |
| Pretax return on assets | 0.6618% | 4,378 |
| Return on Equity (ROE) | 9.9539% | 2,140 |
| Retained earnings to average equity (ytd only) | 9.9539% | 808 |
| Net charge-offs to loans | 0.4398% | 3,540 |
| Credit loss provision to net charge-offs | 90.2098% | 4,756 |
| Earnings coverage of net charge-offs (x) | 3.9091% | 3,257 |
| Efficiency ratio | 69.8327% | 4,101 |
| Assets per employee ($millions) | 4.9064% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 5,238 |
| Loan loss allowance to noncurrent loans | 93.1720% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 3.1432% | 2,289 |
| Noncurrent loans to loans | 1.3410% | 4,619 |
| Net loans and leases to total assets | 54.2674% | 5,807 |
| Net loans and leases to deposits | 80.9413% | 3,281 |
| Net loans and leases to core deposits | 88.7863% | 3,264 |
| Total domestic deposits to total assets | 67.0454% | 7,428 |
| Equity capital to assets | 7.5839% | 7,072 |
| Core capital (leverage) ratio | 7.5221% | 6,830 |
| Tier 1 risk-based capital ratio | 10.4250% | 6,817 |
| Total risk-based capital ratio | 11.3772% | 6,979 |
| Memoranda: | ||
| Average total assets | $157,956,250 | 3,799 |
| Average earning assets | $144,148,500 | 3,789 |
| Average equity | $10,501,500 | 5,054 |
| Average total loans | $86,703,500 | 4,207 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3782% | 3,071 |
| Cost of funding earning assets | 2.4348% | 216 |
| Net interest margin | 2.9434% | 6,949 |
| Noninterest income to average assets | 0.4246% | 4,716 |
| Noninterest expense to average assets | 2.0534% | 7,016 |
| Loan and lease loss provision to assets | 0.1933% | 4,946 |
| Net operating income to assets | 0.8618% | 2,688 |
| Return on assets (ROA) | 0.9528% | 2,444 |
| Pretax return on assets | 0.9528% | 3,301 |
| Return on Equity (ROE) | 15.0304% | 855 |
| Retained earnings to average equity (ytd only) | 15.0304% | 243 |
| Net charge-offs to loans | 0.4168% | 3,327 |
| Credit loss provision to net charge-offs | 84.5304% | 4,580 |
| Earnings coverage of net charge-offs (x) | 4.6133% | 2,899 |
| Efficiency ratio | 66.0569% | 4,970 |
| Assets per employee ($millions) | 4.9962% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 5,088 |
| Loan loss allowance to noncurrent loans | 98.4475% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 3.3258% | 2,121 |
| Noncurrent loans to loans | 1.2886% | 4,808 |
| Net loans and leases to total assets | 54.1703% | 5,969 |
| Net loans and leases to deposits | 80.4487% | 3,524 |
| Net loans and leases to core deposits | 88.3260% | 3,506 |
| Total domestic deposits to total assets | 67.3351% | 7,457 |
| Equity capital to assets | 6.9853% | 7,357 |
| Core capital (leverage) ratio | 7.1505% | 7,097 |
| Tier 1 risk-based capital ratio | 9.8583% | 7,099 |
| Total risk-based capital ratio | 10.8160% | 7,238 |
| Memoranda: | ||
| Average total assets | $158,273,670 | 3,824 |
| Average earning assets | $144,324,330 | 3,811 |
| Average equity | $10,033,000 | 5,189 |
| Average total loans | $86,844,670 | 4,230 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3070% | 3,515 |
| Cost of funding earning assets | 2.4496% | 260 |
| Net interest margin | 2.8574% | 7,089 |
| Noninterest income to average assets | 0.5001% | 4,047 |
| Noninterest expense to average assets | 2.0404% | 7,084 |
| Loan and lease loss provision to assets | 0.0125% | 6,490 |
| Net operating income to assets | 1.0577% | 1,976 |
| Return on assets (ROA) | 0.8752% | 2,733 |
| Pretax return on assets | 0.8752% | 3,560 |
| Return on Equity (ROE) | 14.5228% | 954 |
| Retained earnings to average equity (ytd only) | 14.5228% | 452 |
| Net charge-offs to loans | 0.1823% | 3,831 |
| Credit loss provision to net charge-offs | 12.5000% | 5,023 |
| Earnings coverage of net charge-offs (x) | 10.7000% | 1,720 |
| Efficiency ratio | 65.5949% | 5,207 |
| Assets per employee ($millions) | 5.1254% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 5,143 |
| Loan loss allowance to noncurrent loans | 42.5507% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 3.5346% | 1,985 |
| Noncurrent loans to loans | 2.9671% | 2,708 |
| Net loans and leases to total assets | 52.7170% | 6,193 |
| Net loans and leases to deposits | 81.3630% | 3,393 |
| Net loans and leases to core deposits | 92.3484% | 3,064 |
| Total domestic deposits to total assets | 64.7924% | 7,653 |
| Equity capital to assets | 6.3618% | 7,559 |
| Core capital (leverage) ratio | 6.7027% | 7,388 |
| Tier 1 risk-based capital ratio | 9.5839% | 7,259 |
| Total risk-based capital ratio | 10.5439% | 7,392 |
| Memoranda: | ||
| Average total assets | $159,969,500 | 3,848 |
| Average earning assets | $146,147,000 | 3,832 |
| Average equity | $9,640,000 | 5,337 |
| Average total loans | $87,778,000 | 4,266 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3796% | 4,789 |
| Cost of funding earning assets | 2.8898% | 319 |
| Net interest margin | 2.4898% | 7,439 |
| Noninterest income to average assets | 0.1713% | 6,852 |
| Noninterest expense to average assets | 2.0032% | 7,367 |
| Loan and lease loss provision to assets | 0.7245% | 2,944 |
| Net operating income to assets | -0.2237% | 5,865 |
| Return on assets (ROA) | 0.0812% | 5,304 |
| Pretax return on assets | 0.0577% | 5,303 |
| Return on Equity (ROE) | 1.4389% | 5,109 |
| Retained earnings to average equity (ytd only) | 1.4389% | 4,059 |
| Net charge-offs to loans | 0.9621% | 2,481 |
| Credit loss provision to net charge-offs | 132.8556% | 3,761 |
| Earnings coverage of net charge-offs (x) | 0.8754% | 5,230 |
| Efficiency ratio | 80.2714% | 2,848 |
| Assets per employee ($millions) | 4.8804% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 5,246 |
| Loan loss allowance to noncurrent loans | 58.3026% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 3.0462% | 2,290 |
| Noncurrent loans to loans | 2.0909% | 3,532 |
| Net loans and leases to total assets | 55.6457% | 6,009 |
| Net loans and leases to deposits | 84.6404% | 3,151 |
| Net loans and leases to core deposits | 91.2654% | 4,982 |
| Total domestic deposits to total assets | 65.7436% | 7,651 |
| Equity capital to assets | 5.6950% | 7,711 |
| Core capital (leverage) ratio | 6.3727% | 7,533 |
| Tier 1 risk-based capital ratio | 8.6750% | 7,560 |
| Total risk-based capital ratio | 9.6026% | 7,625 |
| Memoranda: | ||
| Average total assets | $166,330,000 | 3,666 |
| Average earning assets | $154,268,400 | 3,632 |
| Average equity | $9,382,000 | 5,482 |
| Average total loans | $94,271,400 | 4,101 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3758% | 5,063 |
| Cost of funding earning assets | 2.9552% | 377 |
| Net interest margin | 2.4207% | 7,546 |
| Noninterest income to average assets | 0.3229% | 5,895 |
| Noninterest expense to average assets | 2.0018% | 7,381 |
| Loan and lease loss provision to assets | 0.9583% | 2,004 |
| Net operating income to assets | -0.3825% | 6,295 |
| Return on assets (ROA) | -0.1161% | 5,945 |
| Pretax return on assets | -0.1161% | 5,865 |
| Return on Equity (ROE) | -2.0633% | 6,106 |
| Retained earnings to average equity (ytd only) | -2.0633% | 5,737 |
| Net charge-offs to loans | 1.3101% | 1,560 |
| Credit loss provision to net charge-offs | 128.8770% | 3,889 |
| Earnings coverage of net charge-offs (x) | 0.7743% | 5,276 |
| Efficiency ratio | 77.0441% | 3,312 |
| Assets per employee ($millions) | 4.7745% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 5,080 |
| Loan loss allowance to noncurrent loans | 71.0145% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 3.5532% | 1,862 |
| Noncurrent loans to loans | 1.6968% | 4,095 |
| Net loans and leases to total assets | 54.4464% | 6,331 |
| Net loans and leases to deposits | 83.6805% | 3,697 |
| Net loans and leases to core deposits | 90.7397% | 5,368 |
| Total domestic deposits to total assets | 65.0646% | 7,724 |
| Equity capital to assets | 6.3154% | 7,803 |
| Core capital (leverage) ratio | 6.1627% | 7,773 |
| Tier 1 risk-based capital ratio | 8.4460% | 7,734 |
| Total risk-based capital ratio | 9.3576% | 7,793 |
| Memoranda: | ||
| Average total assets | $167,649,250 | 3,669 |
| Average earning assets | $156,151,500 | 3,618 |
| Average equity | $9,434,500 | 5,509 |
| Average total loans | $95,158,000 | 4,119 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3549% | 5,377 |
| Cost of funding earning assets | 3.0008% | 474 |
| Net interest margin | 2.3541% | 7,619 |
| Noninterest income to average assets | 0.3152% | 5,989 |
| Noninterest expense to average assets | 2.0057% | 7,456 |
| Loan and lease loss provision to assets | 1.4756% | 1,170 |
| Net operating income to assets | -0.9656% | 6,950 |
| Return on assets (ROA) | -0.6068% | 6,671 |
| Pretax return on assets | -0.6068% | 6,531 |
| Return on Equity (ROE) | -11.2203% | 7,124 |
| Retained earnings to average equity (ytd only) | -11.2203% | 6,987 |
| Net charge-offs to loans | 2.0194% | 916 |
| Credit loss provision to net charge-offs | 127.5510% | 3,649 |
| Earnings coverage of net charge-offs (x) | 0.4408% | 5,259 |
| Efficiency ratio | 78.7893% | 3,219 |
| Assets per employee ($millions) | 4.6353% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 5,055 |
| Loan loss allowance to noncurrent loans | 47.9751% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 4.0176% | 1,473 |
| Noncurrent loans to loans | 2.4662% | 2,933 |
| Net loans and leases to total assets | 55.4963% | 6,274 |
| Net loans and leases to deposits | 84.1016% | 3,863 |
| Net loans and leases to core deposits | 90.2597% | 5,510 |
| Total domestic deposits to total assets | 65.9872% | 7,742 |
| Equity capital to assets | 5.5506% | 7,994 |
| Core capital (leverage) ratio | 5.9049% | 7,943 |
| Tier 1 risk-based capital ratio | 7.9764% | 7,917 |
| Total risk-based capital ratio | 8.8704% | 7,959 |
| Memoranda: | ||
| Average total assets | $169,421,000 | 3,655 |
| Average earning assets | $158,359,670 | 3,592 |
| Average equity | $9,162,000 | 5,625 |
| Average total loans | $97,056,330 | 4,093 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2968% | 5,904 |
| Cost of funding earning assets | 3.0327% | 561 |
| Net interest margin | 2.2641% | 7,749 |
| Noninterest income to average assets | 0.3283% | 5,823 |
| Noninterest expense to average assets | 1.9975% | 7,358 |
| Loan and lease loss provision to assets | 1.4311% | 886 |
| Net operating income to assets | -0.9687% | 7,235 |
| Return on assets (ROA) | -0.3121% | 6,772 |
| Pretax return on assets | -0.3121% | 6,685 |
| Return on Equity (ROE) | -5.8438% | 7,048 |
| Retained earnings to average equity (ytd only) | -5.8438% | 6,662 |
| Net charge-offs to loans | 1.7715% | 819 |
| Credit loss provision to net charge-offs | 139.7291% | 2,915 |
| Earnings coverage of net charge-offs (x) | 0.4515% | 4,629 |
| Efficiency ratio | 80.2632% | 2,776 |
| Assets per employee ($millions) | 4.8996% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 6,154 |
| Loan loss allowance to noncurrent loans | 16.4487% | 7,336 |
| Noncurrent assets plus other real estate owned to assets | 4.1810% | 1,204 |
| Noncurrent loans to loans | 6.0936% | 779 |
| Net loans and leases to total assets | 58.1630% | 5,915 |
| Net loans and leases to deposits | 87.2484% | 3,427 |
| Net loans and leases to core deposits | 92.7010% | 5,289 |
| Total domestic deposits to total assets | 66.6637% | 7,690 |
| Equity capital to assets | 5.6613% | 8,046 |
| Core capital (leverage) ratio | 5.8899% | 8,024 |
| Tier 1 risk-based capital ratio | 9.5393% | 7,396 |
| Total risk-based capital ratio | 10.4906% | 7,621 |
| Memoranda: | ||
| Average total assets | $173,013,500 | 3,605 |
| Average earning assets | $162,890,000 | 3,529 |
| Average equity | $9,240,500 | 5,619 |
| Average total loans | $100,028,000 | 4,026 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3255% | 3,820 |
| Cost of funding earning assets | 3.4268% | 664 |
| Net interest margin | 2.8987% | 7,157 |
| Noninterest income to average assets | 0.2298% | 6,789 |
| Noninterest expense to average assets | 1.8806% | 7,648 |
| Loan and lease loss provision to assets | 4.6531% | 126 |
| Net operating income to assets | -3.6400% | 7,935 |
| Return on assets (ROA) | -3.4014% | 7,877 |
| Pretax return on assets | -3.3574% | 7,785 |
| Return on Equity (ROE) | -51.9118% | 8,165 |
| Retained earnings to average equity (ytd only) | -56.5729% | 8,169 |
| Net charge-offs to loans | 3.1802% | 269 |
| Credit loss provision to net charge-offs | 249.0028% | 1,872 |
| Earnings coverage of net charge-offs (x) | 0.5657% | 5,889 |
| Efficiency ratio | 63.3128% | 5,707 |
| Assets per employee ($millions) | 4.8497% | 2,113 |
| Cash dividends to net income (ytd only)* | -8.9788% | 7,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 7,151 |
| Loan loss allowance to noncurrent loans | 11.5165% | 7,483 |
| Noncurrent assets plus other real estate owned to assets | 4.4533% | 854 |
| Noncurrent loans to loans | 6.8407% | 454 |
| Net loans and leases to total assets | 56.4969% | 6,377 |
| Net loans and leases to deposits | 81.9541% | 4,737 |
| Net loans and leases to core deposits | 88.7234% | 5,918 |
| Total domestic deposits to total assets | 68.9372% | 7,390 |
| Equity capital to assets | 5.0435% | 8,183 |
| Core capital (leverage) ratio | 5.0914% | 8,199 |
| Tier 1 risk-based capital ratio | 8.4623% | 8,002 |
| Total risk-based capital ratio | 9.2076% | 8,120 |
| Memoranda: | ||
| Average total assets | $193,184,400 | 3,223 |
| Average earning assets | $180,460,400 | 3,181 |
| Average equity | $12,658,000 | 4,659 |
| Average total loans | $113,515,200 | 3,596 |