Home > Frontier Bank of Texas > Performance and Condition Ratios
Frontier Bank of Texas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9109% | 715 |
| Cost of funding earning assets | 1.7568% | 1,335 |
| Net interest margin | 4.1541% | 1,002 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.3261% | 2,784 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.4180% | 1,185 |
| Return on assets (ROA) | 1.3973% | 1,194 |
| Pretax return on assets | 1.8756% | 799 |
| Return on Equity (ROE) | 15.1300% | 1,262 |
| Retained earnings to average equity (ytd only) | 12.6717% | 548 |
| Net charge-offs to loans | -0.0221% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.6216% | 3,634 |
| Assets per employee ($millions) | 10.6335% | 596 |
| Cash dividends to net income (ytd only)* | 16.2350% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6480% | 4,189 |
| Loan loss allowance to noncurrent loans | 5,424.2857% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 3,738 |
| Noncurrent loans to loans | 0.0119% | 3,672 |
| Net loans and leases to total assets | 67.5900% | 2,085 |
| Net loans and leases to deposits | 77.1149% | 2,349 |
| Net loans and leases to core deposits | 85.8118% | 2,318 |
| Total domestic deposits to total assets | 87.6500% | 1,472 |
| Equity capital to assets | 8.4934% | 3,060 |
| Core capital (leverage) ratio | 9.7613% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $732,183,200 | 1,266 |
| Average earning assets | $689,828,600 | 1,253 |
| Average equity | $67,631,200 | 1,280 |
| Average total loans | $555,657,000 | 1,144 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8036% | 685 |
| Cost of funding earning assets | 1.5863% | 1,397 |
| Net interest margin | 4.2173% | 895 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.3355% | 2,689 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.4994% | 1,125 |
| Return on assets (ROA) | 1.4994% | 1,109 |
| Pretax return on assets | 1.9877% | 759 |
| Return on Equity (ROE) | 15.8400% | 1,283 |
| Retained earnings to average equity (ytd only) | 12.4978% | 886 |
| Net charge-offs to loans | -0.0243% | 4,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.9328% | 3,592 |
| Assets per employee ($millions) | 9.0096% | 931 |
| Cash dividends to net income (ytd only)* | 21.1028% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6355% | 4,224 |
| Loan loss allowance to noncurrent loans | 117.1681% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 1,404 |
| Noncurrent loans to loans | 0.5424% | 1,469 |
| Net loans and leases to total assets | 75.8300% | 1,144 |
| Net loans and leases to deposits | 87.9609% | 1,391 |
| Net loans and leases to core deposits | 98.6864% | 1,401 |
| Total domestic deposits to total assets | 86.2100% | 2,132 |
| Equity capital to assets | 9.2676% | 2,241 |
| Core capital (leverage) ratio | 10.5353% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $699,899,750 | 1,309 |
| Average earning assets | $658,860,250 | 1,289 |
| Average equity | $66,250,250 | 1,291 |
| Average total loans | $548,074,250 | 1,152 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7596% | 586 |
| Cost of funding earning assets | 1.4176% | 1,399 |
| Net interest margin | 4.3420% | 758 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.3475% | 2,659 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.5850% | 969 |
| Return on assets (ROA) | 1.5850% | 969 |
| Pretax return on assets | 2.0357% | 708 |
| Return on Equity (ROE) | 16.6200% | 1,161 |
| Retained earnings to average equity (ytd only) | 12.5597% | 876 |
| Net charge-offs to loans | 0.0309% | 1,269 |
| Credit loss provision to net charge-offs | -220.2381% | 4,564 |
| Earnings coverage of net charge-offs (x) | 85.8571% | 1,015 |
| Efficiency ratio | 52.7856% | 3,714 |
| Assets per employee ($millions) | 8.5561% | 1,068 |
| Cash dividends to net income (ytd only)* | 24.4306% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6408% | 4,254 |
| Loan loss allowance to noncurrent loans | 489.9721% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 2,821 |
| Noncurrent loans to loans | 0.1308% | 2,823 |
| Net loans and leases to total assets | 77.7500% | 863 |
| Net loans and leases to deposits | 90.7886% | 1,121 |
| Net loans and leases to core deposits | 100.3150% | 1,219 |
| Total domestic deposits to total assets | 85.6400% | 2,351 |
| Equity capital to assets | 9.6216% | 2,081 |
| Core capital (leverage) ratio | 10.6870% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $686,937,667 | 1,319 |
| Average earning assets | $645,876,333 | 1,305 |
| Average equity | $65,511,000 | 1,298 |
| Average total loans | $542,829,667 | 1,146 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6471% | 490 |
| Cost of funding earning assets | 1.2786% | 1,278 |
| Net interest margin | 4.3685% | 722 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.2431% | 2,976 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.6969% | 827 |
| Return on assets (ROA) | 1.6969% | 823 |
| Pretax return on assets | 2.1053% | 650 |
| Return on Equity (ROE) | 17.8800% | 1,046 |
| Retained earnings to average equity (ytd only) | 17.8752% | 525 |
| Net charge-offs to loans | 0.0104% | 1,548 |
| Credit loss provision to net charge-offs | -621.4286% | 4,635 |
| Earnings coverage of net charge-offs (x) | 271.5000% | 399 |
| Efficiency ratio | 50.0657% | 3,928 |
| Assets per employee ($millions) | 8.7281% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6812% | 4,269 |
| Loan loss allowance to noncurrent loans | 2,014.2077% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 3,516 |
| Noncurrent loans to loans | 0.0338% | 3,508 |
| Net loans and leases to total assets | 78.9400% | 650 |
| Net loans and leases to deposits | 92.8802% | 858 |
| Net loans and leases to core deposits | 101.3203% | 1,031 |
| Total domestic deposits to total assets | 84.9900% | 2,866 |
| Equity capital to assets | 9.7528% | 1,962 |
| Core capital (leverage) ratio | 10.6126% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $679,608,000 | 1,342 |
| Average earning assets | $638,843,500 | 1,328 |
| Average equity | $64,514,000 | 1,324 |
| Average total loans | $539,748,000 | 1,163 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 350 |
| Cost of funding earning assets | 0.4921% | 1,451 |
| Net interest margin | 4.4342% | 332 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.4606% | 2,234 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.8176% | 424 |
| Return on assets (ROA) | 1.8121% | 414 |
| Pretax return on assets | 2.1614% | 343 |
| Return on Equity (ROE) | 19.8900% | 492 |
| Retained earnings to average equity (ytd only) | 18.8633% | 114 |
| Net charge-offs to loans | -0.0303% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.5569% | 3,932 |
| Assets per employee ($millions) | 8.6978% | 1,016 |
| Cash dividends to net income (ytd only)* | 5.1755% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6694% | 4,255 |
| Loan loss allowance to noncurrent loans | 3,677.5510% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,722 |
| Noncurrent loans to loans | 0.0182% | 3,701 |
| Net loans and leases to total assets | 78.8300% | 717 |
| Net loans and leases to deposits | 91.7829% | 925 |
| Net loans and leases to core deposits | 96.9350% | 1,154 |
| Total domestic deposits to total assets | 85.8900% | 2,763 |
| Equity capital to assets | 9.2319% | 2,204 |
| Core capital (leverage) ratio | 10.2059% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $646,156,000 | 1,389 |
| Average earning assets | $610,889,600 | 1,368 |
| Average equity | $58,860,400 | 1,424 |
| Average total loans | $498,379,800 | 1,182 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 312 |
| Cost of funding earning assets | 0.3452% | 1,746 |
| Net interest margin | 4.4103% | 275 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.4892% | 2,046 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.7730% | 451 |
| Return on assets (ROA) | 1.7730% | 438 |
| Pretax return on assets | 2.1881% | 328 |
| Return on Equity (ROE) | 19.5300% | 476 |
| Retained earnings to average equity (ytd only) | 18.1403% | 158 |
| Net charge-offs to loans | -0.0355% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.5473% | 3,969 |
| Assets per employee ($millions) | 8.9782% | 897 |
| Cash dividends to net income (ytd only)* | 7.1302% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6616% | 4,313 |
| Loan loss allowance to noncurrent loans | 5,683.8710% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 3,901 |
| Noncurrent loans to loans | 0.0116% | 3,856 |
| Net loans and leases to total assets | 78.5800% | 657 |
| Net loans and leases to deposits | 89.4912% | 927 |
| Net loans and leases to core deposits | 94.2040% | 1,080 |
| Total domestic deposits to total assets | 87.8000% | 2,483 |
| Equity capital to assets | 8.7376% | 2,384 |
| Core capital (leverage) ratio | 9.9102% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $638,088,000 | 1,413 |
| Average earning assets | $604,115,750 | 1,386 |
| Average equity | $57,917,500 | 1,456 |
| Average total loans | $488,372,500 | 1,194 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5845% | 321 |
| Cost of funding earning assets | 0.2877% | 1,823 |
| Net interest margin | 4.2967% | 271 |
| Noninterest income to average assets | 0.7092% | 1,295 |
| Noninterest expense to average assets | 2.5718% | 1,716 |
| Loan and lease loss provision to assets | 0.0192% | 2,259 |
| Net operating income to assets | 1.8058% | 331 |
| Return on assets (ROA) | 1.8058% | 327 |
| Pretax return on assets | 2.2001% | 248 |
| Return on Equity (ROE) | 19.6316% | 330 |
| Retained earnings to average equity (ytd only) | 17.5313% | 129 |
| Net charge-offs to loans | -0.0486% | 4,225 |
| Credit loss provision to net charge-offs | -52.1739% | 3,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6790% | 3,995 |
| Assets per employee ($millions) | 8.5965% | 1,030 |
| Cash dividends to net income (ytd only)* | 10.6985% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6510% | 4,411 |
| Loan loss allowance to noncurrent loans | 2,077.8481% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 3,749 |
| Noncurrent loans to loans | 0.0313% | 3,719 |
| Net loans and leases to total assets | 77.7047% | 575 |
| Net loans and leases to deposits | 87.4059% | 884 |
| Net loans and leases to core deposits | 92.1253% | 1,010 |
| Total domestic deposits to total assets | 88.9010% | 2,228 |
| Equity capital to assets | 9.0233% | 2,374 |
| Core capital (leverage) ratio | 9.7391% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $626,329,333 | 1,443 |
| Average earning assets | $595,008,667 | 1,418 |
| Average equity | $57,611,333 | 1,488 |
| Average total loans | $473,620,333 | 1,216 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3358% | 417 |
| Cost of funding earning assets | 0.2514% | 2,139 |
| Net interest margin | 4.0844% | 350 |
| Noninterest income to average assets | 1.0850% | 573 |
| Noninterest expense to average assets | 2.5441% | 1,775 |
| Loan and lease loss provision to assets | -0.0285% | 4,475 |
| Net operating income to assets | 2.0936% | 190 |
| Return on assets (ROA) | 2.0936% | 189 |
| Pretax return on assets | 2.4553% | 192 |
| Return on Equity (ROE) | 22.5368% | 141 |
| Retained earnings to average equity (ytd only) | 18.3155% | 134 |
| Net charge-offs to loans | -0.0017% | 3,084 |
| Credit loss provision to net charge-offs | 2,200.0000% | 198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1801% | 4,243 |
| Assets per employee ($millions) | 8.6883% | 1,027 |
| Cash dividends to net income (ytd only)* | 18.7307% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6524% | 4,460 |
| Loan loss allowance to noncurrent loans | 1,723.0337% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,765 |
| Noncurrent loans to loans | 0.0379% | 3,707 |
| Net loans and leases to total assets | 73.6425% | 687 |
| Net loans and leases to deposits | 82.6618% | 963 |
| Net loans and leases to core deposits | 87.5618% | 1,047 |
| Total domestic deposits to total assets | 89.0889% | 2,039 |
| Equity capital to assets | 9.0531% | 2,667 |
| Core capital (leverage) ratio | 9.8872% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $617,124,000 | 1,466 |
| Average earning assets | $587,110,000 | 1,437 |
| Average equity | $57,328,500 | 1,539 |
| Average total loans | $458,292,500 | 1,241 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 502 |
| Cost of funding earning assets | 0.3605% | 1,853 |
| Net interest margin | 4.2491% | 450 |
| Noninterest income to average assets | 0.3447% | 3,355 |
| Noninterest expense to average assets | 2.3011% | 2,792 |
| Loan and lease loss provision to assets | 0.1158% | 1,084 |
| Net operating income to assets | 1.5724% | 873 |
| Return on assets (ROA) | 1.5724% | 903 |
| Pretax return on assets | 1.9555% | 664 |
| Return on Equity (ROE) | 15.2477% | 897 |
| Retained earnings to average equity (ytd only) | 6.5951% | 2,080 |
| Net charge-offs to loans | 0.0277% | 1,683 |
| Credit loss provision to net charge-offs | 568.1818% | 748 |
| Earnings coverage of net charge-offs (x) | 101.6091% | 874 |
| Efficiency ratio | 52.6278% | 4,074 |
| Assets per employee ($millions) | 8.6957% | 1,019 |
| Cash dividends to net income (ytd only)* | 56.7472% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6964% | 4,425 |
| Loan loss allowance to noncurrent loans | 3,886.2500% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 4,008 |
| Noncurrent loans to loans | 0.0179% | 3,950 |
| Net loans and leases to total assets | 73.8888% | 673 |
| Net loans and leases to deposits | 83.4859% | 950 |
| Net loans and leases to core deposits | 89.8483% | 979 |
| Total domestic deposits to total assets | 88.5046% | 1,789 |
| Equity capital to assets | 9.5396% | 3,110 |
| Core capital (leverage) ratio | 9.7010% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1181% | 2,588 |
| Memoranda: | ||
| Average total assets | $539,614,600 | 1,601 |
| Average earning assets | $511,492,800 | 1,571 |
| Average equity | $55,647,600 | 1,615 |
| Average total loans | $397,684,200 | 1,381 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6066% | 559 |
| Cost of funding earning assets | 0.3829% | 1,836 |
| Net interest margin | 4.2237% | 516 |
| Noninterest income to average assets | 0.3437% | 3,391 |
| Noninterest expense to average assets | 2.3139% | 2,709 |
| Loan and lease loss provision to assets | 0.1173% | 1,019 |
| Net operating income to assets | 1.5137% | 1,238 |
| Return on assets (ROA) | 1.5137% | 1,289 |
| Pretax return on assets | 1.9161% | 917 |
| Return on Equity (ROE) | 14.3707% | 1,293 |
| Retained earnings to average equity (ytd only) | 8.3183% | 1,949 |
| Net charge-offs to loans | 0.0346% | 1,384 |
| Credit loss provision to net charge-offs | 461.0000% | 798 |
| Earnings coverage of net charge-offs (x) | 79.9900% | 985 |
| Efficiency ratio | 53.2277% | 3,900 |
| Assets per employee ($millions) | 8.5853% | 1,020 |
| Cash dividends to net income (ytd only)* | 42.1159% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6883% | 4,521 |
| Loan loss allowance to noncurrent loans | 3,320.2247% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 4,112 |
| Noncurrent loans to loans | 0.0207% | 4,048 |
| Net loans and leases to total assets | 74.1226% | 684 |
| Net loans and leases to deposits | 84.1735% | 950 |
| Net loans and leases to core deposits | 89.2830% | 1,075 |
| Total domestic deposits to total assets | 88.0594% | 1,809 |
| Equity capital to assets | 9.9130% | 2,989 |
| Core capital (leverage) ratio | 10.0676% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4883% | 2,552 |
| Memoranda: | ||
| Average total assets | $524,517,500 | 1,647 |
| Average earning assets | $497,182,500 | 1,622 |
| Average equity | $55,250,000 | 1,647 |
| Average total loans | $385,494,250 | 1,445 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 861 |
| Cost of funding earning assets | 0.4124% | 1,781 |
| Net interest margin | 3.9802% | 853 |
| Noninterest income to average assets | 0.4405% | 2,901 |
| Noninterest expense to average assets | 2.3482% | 2,621 |
| Loan and lease loss provision to assets | 0.0843% | 1,457 |
| Net operating income to assets | 1.3999% | 1,568 |
| Return on assets (ROA) | 1.3999% | 1,635 |
| Pretax return on assets | 1.7722% | 1,294 |
| Return on Equity (ROE) | 13.0004% | 1,716 |
| Retained earnings to average equity (ytd only) | 7.8595% | 2,124 |
| Net charge-offs to loans | 0.0140% | 1,666 |
| Credit loss provision to net charge-offs | 823.0769% | 531 |
| Earnings coverage of net charge-offs (x) | 181.2308% | 529 |
| Efficiency ratio | 55.8471% | 3,564 |
| Assets per employee ($millions) | 8.5186% | 1,002 |
| Cash dividends to net income (ytd only)* | 39.5440% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7032% | 4,527 |
| Loan loss allowance to noncurrent loans | 1,608.0925% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 4,040 |
| Noncurrent loans to loans | 0.0437% | 3,967 |
| Net loans and leases to total assets | 72.0582% | 958 |
| Net loans and leases to deposits | 82.2358% | 1,201 |
| Net loans and leases to core deposits | 87.7890% | 1,280 |
| Total domestic deposits to total assets | 87.6240% | 2,028 |
| Equity capital to assets | 10.2258% | 2,642 |
| Core capital (leverage) ratio | 10.5531% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8263% | 2,039 |
| Memoranda: | ||
| Average total assets | $507,619,000 | 1,686 |
| Average earning assets | $480,080,667 | 1,664 |
| Average equity | $54,659,667 | 1,652 |
| Average total loans | $370,886,333 | 1,482 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 958 |
| Cost of funding earning assets | 0.4515% | 1,710 |
| Net interest margin | 3.9053% | 978 |
| Noninterest income to average assets | 0.4558% | 2,806 |
| Noninterest expense to average assets | 2.3787% | 2,566 |
| Loan and lease loss provision to assets | 0.1677% | 743 |
| Net operating income to assets | 1.2610% | 1,943 |
| Return on assets (ROA) | 1.2610% | 2,020 |
| Pretax return on assets | 1.5965% | 1,738 |
| Return on Equity (ROE) | 11.3907% | 2,232 |
| Retained earnings to average equity (ytd only) | 9.8901% | 1,682 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4166% | 3,380 |
| Assets per employee ($millions) | 8.0498% | 1,179 |
| Cash dividends to net income (ytd only)* | 13.1733% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 4,487 |
| Loan loss allowance to noncurrent loans | 1,372.0588% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 4,086 |
| Noncurrent loans to loans | 0.0547% | 4,014 |
| Net loans and leases to total assets | 72.9860% | 899 |
| Net loans and leases to deposits | 84.0094% | 1,141 |
| Net loans and leases to core deposits | 91.5826% | 1,134 |
| Total domestic deposits to total assets | 86.8784% | 2,358 |
| Equity capital to assets | 10.7546% | 2,035 |
| Core capital (leverage) ratio | 11.4351% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6108% | 1,701 |
| Memoranda: | ||
| Average total assets | $488,833,000 | 1,731 |
| Average earning assets | $461,524,000 | 1,711 |
| Average equity | $54,114,500 | 1,652 |
| Average total loans | $358,511,000 | 1,532 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5810% | 1,131 |
| Cost of funding earning assets | 0.8022% | 1,198 |
| Net interest margin | 3.7788% | 1,558 |
| Noninterest income to average assets | 0.6238% | 2,124 |
| Noninterest expense to average assets | 2.5752% | 2,626 |
| Loan and lease loss provision to assets | 0.2679% | 1,435 |
| Net operating income to assets | 1.0974% | 1,935 |
| Return on assets (ROA) | 1.1170% | 1,970 |
| Pretax return on assets | 1.3742% | 1,743 |
| Return on Equity (ROE) | 10.6443% | 1,759 |
| Retained earnings to average equity (ytd only) | 7.6878% | 1,148 |
| Net charge-offs to loans | 0.0523% | 2,042 |
| Credit loss provision to net charge-offs | 677.8443% | 1,009 |
| Earnings coverage of net charge-offs (x) | 40.9401% | 1,370 |
| Efficiency ratio | 61.4143% | 3,238 |
| Assets per employee ($millions) | 8.1125% | 997 |
| Cash dividends to net income (ytd only)* | 27.7754% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 4,507 |
| Loan loss allowance to noncurrent loans | 354.3716% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 3,500 |
| Noncurrent loans to loans | 0.2127% | 3,438 |
| Net loans and leases to total assets | 72.5758% | 1,215 |
| Net loans and leases to deposits | 88.6563% | 1,027 |
| Net loans and leases to core deposits | 95.7966% | 1,129 |
| Total domestic deposits to total assets | 81.8620% | 3,691 |
| Equity capital to assets | 11.4102% | 1,955 |
| Core capital (leverage) ratio | 11.6727% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6320% | 1,369 |
| Memoranda: | ||
| Average total assets | $422,567,400 | 1,792 |
| Average earning assets | $399,147,600 | 1,772 |
| Average equity | $44,342,800 | 1,868 |
| Average total loans | $319,164,800 | 1,616 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6234% | 1,245 |
| Cost of funding earning assets | 0.8895% | 1,102 |
| Net interest margin | 3.7339% | 1,823 |
| Noninterest income to average assets | 0.7066% | 1,780 |
| Noninterest expense to average assets | 2.6258% | 2,460 |
| Loan and lease loss provision to assets | 0.3273% | 1,191 |
| Net operating income to assets | 1.0229% | 2,242 |
| Return on assets (ROA) | 1.0252% | 2,374 |
| Pretax return on assets | 1.2895% | 2,098 |
| Return on Equity (ROE) | 10.0204% | 2,015 |
| Retained earnings to average equity (ytd only) | 8.9095% | 1,006 |
| Net charge-offs to loans | 0.0175% | 2,515 |
| Credit loss provision to net charge-offs | 2,458.5366% | 411 |
| Earnings coverage of net charge-offs (x) | 121.2195% | 690 |
| Efficiency ratio | 61.9332% | 3,091 |
| Assets per employee ($millions) | 7.7262% | 1,111 |
| Cash dividends to net income (ytd only)* | 11.0865% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7778% | 4,415 |
| Loan loss allowance to noncurrent loans | 837.0968% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 4,086 |
| Noncurrent loans to loans | 0.0929% | 3,995 |
| Net loans and leases to total assets | 75.1733% | 1,215 |
| Net loans and leases to deposits | 91.0185% | 1,158 |
| Net loans and leases to core deposits | 98.9633% | 1,243 |
| Total domestic deposits to total assets | 82.5912% | 3,253 |
| Equity capital to assets | 10.2152% | 3,051 |
| Core capital (leverage) ratio | 10.1274% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0470% | 1,813 |
| Memoranda: | ||
| Average total assets | $410,577,750 | 1,806 |
| Average earning assets | $388,505,500 | 1,784 |
| Average equity | $42,006,500 | 1,933 |
| Average total loans | $312,935,500 | 1,632 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6744% | 1,464 |
| Cost of funding earning assets | 0.9841% | 1,033 |
| Net interest margin | 3.6903% | 2,200 |
| Noninterest income to average assets | 0.7912% | 1,460 |
| Noninterest expense to average assets | 2.7032% | 2,376 |
| Loan and lease loss provision to assets | 0.4987% | 722 |
| Net operating income to assets | 0.8531% | 2,858 |
| Return on assets (ROA) | 0.8566% | 2,965 |
| Pretax return on assets | 1.0833% | 2,765 |
| Return on Equity (ROE) | 8.3681% | 2,606 |
| Retained earnings to average equity (ytd only) | 7.1490% | 1,595 |
| Net charge-offs to loans | 0.0209% | 2,306 |
| Credit loss provision to net charge-offs | 3,121.8750% | 346 |
| Earnings coverage of net charge-offs (x) | 98.7500% | 706 |
| Efficiency ratio | 63.1487% | 2,934 |
| Assets per employee ($millions) | 7.6526% | 1,103 |
| Cash dividends to net income (ytd only)* | 14.5688% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7891% | 4,364 |
| Loan loss allowance to noncurrent loans | 570.3297% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 4,023 |
| Noncurrent loans to loans | 0.1384% | 3,902 |
| Net loans and leases to total assets | 73.5026% | 1,474 |
| Net loans and leases to deposits | 88.5667% | 1,496 |
| Net loans and leases to core deposits | 96.4944% | 1,538 |
| Total domestic deposits to total assets | 82.9912% | 3,089 |
| Equity capital to assets | 9.7813% | 3,389 |
| Core capital (leverage) ratio | 10.0995% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2166% | 1,724 |
| Memoranda: | ||
| Average total assets | $400,639,667 | 1,815 |
| Average earning assets | $378,831,333 | 1,789 |
| Average equity | $41,013,000 | 1,957 |
| Average total loans | $306,030,000 | 1,638 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 891 |
| Cost of funding earning assets | 1.0886% | 1,080 |
| Net interest margin | 3.9526% | 1,525 |
| Noninterest income to average assets | 0.3884% | 3,180 |
| Noninterest expense to average assets | 2.8514% | 2,274 |
| Loan and lease loss provision to assets | 0.5076% | 579 |
| Net operating income to assets | 0.5993% | 3,596 |
| Return on assets (ROA) | 0.6068% | 3,637 |
| Pretax return on assets | 0.7672% | 3,498 |
| Return on Equity (ROE) | 5.7771% | 3,399 |
| Retained earnings to average equity (ytd only) | 5.2747% | 2,161 |
| Net charge-offs to loans | 0.0394% | 1,646 |
| Credit loss provision to net charge-offs | 1,658.6207% | 392 |
| Earnings coverage of net charge-offs (x) | 41.3448% | 1,012 |
| Efficiency ratio | 69.2643% | 2,470 |
| Assets per employee ($millions) | 6.9401% | 1,120 |
| Cash dividends to net income (ytd only)* | 8.6957% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6961% | 4,611 |
| Loan loss allowance to noncurrent loans | 1,089.0052% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 4,360 |
| Noncurrent loans to loans | 0.0639% | 4,282 |
| Net loans and leases to total assets | 75.0050% | 1,460 |
| Net loans and leases to deposits | 92.2818% | 1,249 |
| Net loans and leases to core deposits | 102.6490% | 1,269 |
| Total domestic deposits to total assets | 81.2782% | 3,608 |
| Equity capital to assets | 10.6566% | 3,186 |
| Core capital (leverage) ratio | 11.3974% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7180% | 1,998 |
| Memoranda: | ||
| Average total assets | $379,035,500 | 1,849 |
| Average earning assets | $357,539,500 | 1,820 |
| Average equity | $39,812,500 | 1,990 |
| Average total loans | $294,627,500 | 1,664 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3841% | 689 |
| Cost of funding earning assets | 1.2431% | 915 |
| Net interest margin | 4.1411% | 1,447 |
| Noninterest income to average assets | 0.3987% | 3,299 |
| Noninterest expense to average assets | 3.0237% | 1,957 |
| Loan and lease loss provision to assets | 0.2076% | 970 |
| Net operating income to assets | 0.8308% | 3,451 |
| Return on assets (ROA) | 0.8308% | 3,545 |
| Pretax return on assets | 1.0518% | 3,324 |
| Return on Equity (ROE) | 7.4208% | 3,397 |
| Retained earnings to average equity (ytd only) | 7.3930% | 1,211 |
| Net charge-offs to loans | 0.2045% | 1,003 |
| Credit loss provision to net charge-offs | 128.7645% | 1,983 |
| Earnings coverage of net charge-offs (x) | 7.8108% | 2,839 |
| Efficiency ratio | 70.5959% | 2,082 |
| Assets per employee ($millions) | 6.2541% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.3747% | 3,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5501% | 4,818 |
| Loan loss allowance to noncurrent loans | 336.6316% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 3,983 |
| Noncurrent loans to loans | 0.1634% | 3,880 |
| Net loans and leases to total assets | 79.6968% | 825 |
| Net loans and leases to deposits | 92.2514% | 1,339 |
| Net loans and leases to core deposits | 104.1218% | 1,222 |
| Total domestic deposits to total assets | 86.3909% | 1,889 |
| Equity capital to assets | 10.3844% | 3,559 |
| Core capital (leverage) ratio | 10.5934% | 2,863 |
| Tier 1 risk-based capital ratio | 12.8892% | 3,846 |
| Total risk-based capital ratio | 13.4358% | 4,139 |
| Memoranda: | ||
| Average total assets | $321,263,200 | 2,029 |
| Average earning assets | $301,348,400 | 2,017 |
| Average equity | $35,966,600 | 2,097 |
| Average total loans | $253,244,600 | 1,807 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3637% | 757 |
| Cost of funding earning assets | 1.2506% | 911 |
| Net interest margin | 4.1131% | 1,584 |
| Noninterest income to average assets | 0.3954% | 3,348 |
| Noninterest expense to average assets | 3.0295% | 1,894 |
| Loan and lease loss provision to assets | 0.1814% | 1,005 |
| Net operating income to assets | 0.8178% | 3,613 |
| Return on assets (ROA) | 0.8178% | 3,695 |
| Pretax return on assets | 1.0353% | 3,487 |
| Return on Equity (ROE) | 7.1539% | 3,622 |
| Retained earnings to average equity (ytd only) | 7.1164% | 1,808 |
| Net charge-offs to loans | 0.2662% | 661 |
| Credit loss provision to net charge-offs | 86.8583% | 2,428 |
| Earnings coverage of net charge-offs (x) | 5.8254% | 2,882 |
| Efficiency ratio | 71.3463% | 1,918 |
| Assets per employee ($millions) | 6.5585% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.5243% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5078% | 4,964 |
| Loan loss allowance to noncurrent loans | 955.8621% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 4,517 |
| Noncurrent loans to loans | 0.0531% | 4,404 |
| Net loans and leases to total assets | 75.2826% | 1,606 |
| Net loans and leases to deposits | 86.9280% | 2,073 |
| Net loans and leases to core deposits | 95.7522% | 2,022 |
| Total domestic deposits to total assets | 86.6034% | 1,724 |
| Equity capital to assets | 10.2055% | 3,819 |
| Core capital (leverage) ratio | 10.9365% | 2,706 |
| Tier 1 risk-based capital ratio | 13.4740% | 3,583 |
| Total risk-based capital ratio | 13.9810% | 3,886 |
| Memoranda: | ||
| Average total assets | $310,895,000 | 2,107 |
| Average earning assets | $291,061,750 | 2,094 |
| Average equity | $35,541,250 | 2,130 |
| Average total loans | $243,883,750 | 1,868 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3162% | 791 |
| Cost of funding earning assets | 1.2511% | 861 |
| Net interest margin | 4.0651% | 1,714 |
| Noninterest income to average assets | 0.3962% | 3,290 |
| Noninterest expense to average assets | 3.1011% | 1,728 |
| Loan and lease loss provision to assets | 0.1386% | 1,338 |
| Net operating income to assets | 0.7503% | 3,826 |
| Return on assets (ROA) | 0.7503% | 3,891 |
| Pretax return on assets | 0.9501% | 3,710 |
| Return on Equity (ROE) | 6.2875% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.2875% | 2,150 |
| Net charge-offs to loans | 0.1947% | 853 |
| Credit loss provision to net charge-offs | 89.4737% | 2,139 |
| Earnings coverage of net charge-offs (x) | 7.0263% | 2,527 |
| Efficiency ratio | 74.0146% | 1,648 |
| Assets per employee ($millions) | 5.8148% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5589% | 4,940 |
| Loan loss allowance to noncurrent loans | 316.8889% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 4,049 |
| Noncurrent loans to loans | 0.1764% | 3,926 |
| Net loans and leases to total assets | 80.7982% | 759 |
| Net loans and leases to deposits | 91.5354% | 1,554 |
| Net loans and leases to core deposits | 99.1760% | 1,792 |
| Total domestic deposits to total assets | 88.2700% | 980 |
| Equity capital to assets | 11.4326% | 2,668 |
| Core capital (leverage) ratio | 11.5231% | 2,143 |
| Tier 1 risk-based capital ratio | 14.0215% | 3,309 |
| Total risk-based capital ratio | 14.5772% | 3,575 |
| Memoranda: | ||
| Average total assets | $294,287,330 | 2,213 |
| Average earning assets | $274,631,000 | 2,196 |
| Average equity | $35,117,330 | 2,134 |
| Average total loans | $234,197,000 | 1,949 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0419% | 1,230 |
| Cost of funding earning assets | 1.1535% | 1,036 |
| Net interest margin | 3.8883% | 2,231 |
| Noninterest income to average assets | 0.3924% | 3,233 |
| Noninterest expense to average assets | 3.1051% | 1,725 |
| Loan and lease loss provision to assets | 0.1238% | 1,417 |
| Net operating income to assets | 0.6272% | 4,155 |
| Return on assets (ROA) | 0.6272% | 4,197 |
| Pretax return on assets | 0.7946% | 4,060 |
| Return on Equity (ROE) | 5.1372% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.1372% | 2,848 |
| Net charge-offs to loans | -0.0018% | 3,846 |
| Credit loss provision to net charge-offs | -8,800.0000% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1758% | 1,365 |
| Assets per employee ($millions) | 5.8768% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6745% | 4,821 |
| Loan loss allowance to noncurrent loans | 241.2226% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 3,781 |
| Noncurrent loans to loans | 0.2796% | 3,561 |
| Net loans and leases to total assets | 74.1665% | 1,771 |
| Net loans and leases to deposits | 84.0519% | 2,377 |
| Net loans and leases to core deposits | 92.9925% | 2,211 |
| Total domestic deposits to total assets | 88.2389% | 1,219 |
| Equity capital to assets | 11.4709% | 2,424 |
| Core capital (leverage) ratio | 12.6454% | 1,434 |
| Tier 1 risk-based capital ratio | 15.6706% | 2,576 |
| Total risk-based capital ratio | 16.3538% | 2,749 |
| Memoranda: | ||
| Average total assets | $284,432,500 | 2,287 |
| Average earning assets | $265,616,500 | 2,276 |
| Average equity | $34,727,000 | 2,149 |
| Average total loans | $223,730,500 | 2,037 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2581% | 628 |
| Cost of funding earning assets | 0.7952% | 1,544 |
| Net interest margin | 4.4629% | 822 |
| Noninterest income to average assets | 0.4161% | 3,338 |
| Noninterest expense to average assets | 3.1379% | 1,705 |
| Loan and lease loss provision to assets | 0.2142% | 856 |
| Net operating income to assets | 0.9931% | 3,039 |
| Return on assets (ROA) | 0.9931% | 3,035 |
| Pretax return on assets | 1.2338% | 2,764 |
| Return on Equity (ROE) | 7.2823% | 3,737 |
| Retained earnings to average equity (ytd only) | 7.2520% | 1,559 |
| Net charge-offs to loans | 0.0111% | 3,306 |
| Credit loss provision to net charge-offs | 2,359.0909% | 195 |
| Earnings coverage of net charge-offs (x) | 159.4545% | 540 |
| Efficiency ratio | 68.4248% | 2,481 |
| Assets per employee ($millions) | 5.2655% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.4156% | 4,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6617% | 4,877 |
| Loan loss allowance to noncurrent loans | 260.0358% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 3,761 |
| Noncurrent loans to loans | 0.2545% | 3,669 |
| Net loans and leases to total assets | 82.7370% | 550 |
| Net loans and leases to deposits | 95.3629% | 1,136 |
| Net loans and leases to core deposits | 106.4618% | 1,236 |
| Total domestic deposits to total assets | 86.7602% | 1,889 |
| Equity capital to assets | 13.0662% | 1,317 |
| Core capital (leverage) ratio | 13.3136% | 1,139 |
| Tier 1 risk-based capital ratio | 15.8344% | 2,478 |
| Total risk-based capital ratio | 16.4941% | 2,658 |
| Memoranda: | ||
| Average total assets | $242,266,800 | 2,530 |
| Average earning assets | $226,357,400 | 2,510 |
| Average equity | $33,039,000 | 2,154 |
| Average total loans | $197,398,000 | 2,191 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 622 |
| Cost of funding earning assets | 0.7259% | 1,719 |
| Net interest margin | 4.4777% | 779 |
| Noninterest income to average assets | 0.4270% | 3,308 |
| Noninterest expense to average assets | 3.1401% | 1,669 |
| Loan and lease loss provision to assets | 0.2216% | 744 |
| Net operating income to assets | 0.9867% | 3,143 |
| Return on assets (ROA) | 0.9867% | 3,152 |
| Pretax return on assets | 1.2533% | 2,800 |
| Return on Equity (ROE) | 7.1520% | 3,876 |
| Retained earnings to average equity (ytd only) | 7.1112% | 2,072 |
| Net charge-offs to loans | 0.0111% | 3,022 |
| Credit loss provision to net charge-offs | 2,462.5000% | 172 |
| Earnings coverage of net charge-offs (x) | 163.8964% | 505 |
| Efficiency ratio | 68.0400% | 2,533 |
| Assets per employee ($millions) | 5.3685% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.5700% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6315% | 4,996 |
| Loan loss allowance to noncurrent loans | 415.9375% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 4,345 |
| Noncurrent loans to loans | 0.1518% | 4,207 |
| Net loans and leases to total assets | 81.2746% | 835 |
| Net loans and leases to deposits | 93.6927% | 1,409 |
| Net loans and leases to core deposits | 103.8797% | 1,459 |
| Total domestic deposits to total assets | 86.7459% | 1,847 |
| Equity capital to assets | 13.0073% | 1,334 |
| Core capital (leverage) ratio | 13.7191% | 1,021 |
| Tier 1 risk-based capital ratio | 16.3884% | 2,305 |
| Total risk-based capital ratio | 17.0279% | 2,471 |
| Memoranda: | ||
| Average total assets | $237,015,000 | 2,577 |
| Average earning assets | $221,687,250 | 2,561 |
| Average equity | $32,698,750 | 2,176 |
| Average total loans | $191,928,500 | 2,241 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1850% | 565 |
| Cost of funding earning assets | 0.6560% | 1,895 |
| Net interest margin | 4.5289% | 655 |
| Noninterest income to average assets | 0.4458% | 3,182 |
| Noninterest expense to average assets | 3.1331% | 1,711 |
| Loan and lease loss provision to assets | 0.2199% | 743 |
| Net operating income to assets | 1.0499% | 2,809 |
| Return on assets (ROA) | 1.0499% | 2,803 |
| Pretax return on assets | 1.3288% | 2,399 |
| Return on Equity (ROE) | 7.4509% | 3,748 |
| Retained earnings to average equity (ytd only) | 7.4509% | 1,864 |
| Net charge-offs to loans | 0.0172% | 2,569 |
| Credit loss provision to net charge-offs | 1,581.2500% | 264 |
| Earnings coverage of net charge-offs (x) | 111.3750% | 645 |
| Efficiency ratio | 66.9204% | 2,839 |
| Assets per employee ($millions) | 5.7390% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6106% | 5,085 |
| Loan loss allowance to noncurrent loans | 313.9842% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 4,204 |
| Noncurrent loans to loans | 0.1945% | 4,027 |
| Net loans and leases to total assets | 80.3638% | 965 |
| Net loans and leases to deposits | 93.3474% | 1,430 |
| Net loans and leases to core deposits | 103.7108% | 1,418 |
| Total domestic deposits to total assets | 86.0911% | 2,238 |
| Equity capital to assets | 13.6890% | 1,029 |
| Core capital (leverage) ratio | 14.2109% | 847 |
| Tier 1 risk-based capital ratio | 25.8051% | 687 |
| Total risk-based capital ratio | 26.7211% | 689 |
| Memoranda: | ||
| Average total assets | $230,124,330 | 2,636 |
| Average earning assets | $215,237,670 | 2,623 |
| Average equity | $32,425,670 | 2,201 |
| Average total loans | $185,649,670 | 2,305 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0282% | 664 |
| Cost of funding earning assets | 0.6273% | 1,865 |
| Net interest margin | 4.4008% | 769 |
| Noninterest income to average assets | 0.4504% | 3,106 |
| Noninterest expense to average assets | 3.0374% | 1,977 |
| Loan and lease loss provision to assets | 0.1763% | 986 |
| Net operating income to assets | 1.0825% | 2,512 |
| Return on assets (ROA) | 1.0825% | 2,529 |
| Pretax return on assets | 1.3709% | 2,099 |
| Return on Equity (ROE) | 7.5668% | 3,547 |
| Retained earnings to average equity (ytd only) | 7.5668% | 2,004 |
| Net charge-offs to loans | 0.0707% | 1,415 |
| Credit loss provision to net charge-offs | 309.3750% | 796 |
| Earnings coverage of net charge-offs (x) | 27.1563% | 1,305 |
| Efficiency ratio | 66.2524% | 3,118 |
| Assets per employee ($millions) | 5.5738% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5523% | 5,259 |
| Loan loss allowance to noncurrent loans | 189.5911% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 3,928 |
| Noncurrent loans to loans | 0.2913% | 3,730 |
| Net loans and leases to total assets | 80.3742% | 890 |
| Net loans and leases to deposits | 93.9437% | 1,229 |
| Net loans and leases to core deposits | 111.1087% | 935 |
| Total domestic deposits to total assets | 85.5557% | 2,727 |
| Equity capital to assets | 14.1695% | 847 |
| Core capital (leverage) ratio | 14.7028% | 713 |
| Tier 1 risk-based capital ratio | 17.7293% | 1,914 |
| Total risk-based capital ratio | 18.2794% | 2,063 |
| Memoranda: | ||
| Average total assets | $224,666,500 | 2,710 |
| Average earning assets | $211,051,000 | 2,682 |
| Average equity | $32,140,500 | 2,233 |
| Average total loans | $181,025,000 | 2,353 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0195% | 622 |
| Cost of funding earning assets | 0.4339% | 2,923 |
| Net interest margin | 4.5856% | 515 |
| Noninterest income to average assets | 0.4875% | 3,078 |
| Noninterest expense to average assets | 3.1989% | 1,614 |
| Loan and lease loss provision to assets | 0.2080% | 962 |
| Net operating income to assets | 0.9739% | 2,352 |
| Return on assets (ROA) | 0.9761% | 2,385 |
| Pretax return on assets | 1.3741% | 2,075 |
| Return on Equity (ROE) | 6.1616% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.0942% | 1,487 |
| Net charge-offs to loans | 0.0560% | 2,687 |
| Credit loss provision to net charge-offs | 487.5000% | 639 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,322 |
| Efficiency ratio | 66.9532% | 3,085 |
| Assets per employee ($millions) | 5.9678% | 1,536 |
| Cash dividends to net income (ytd only)* | 1.0929% | 4,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5373% | 5,345 |
| Loan loss allowance to noncurrent loans | 290.5488% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 4,399 |
| Noncurrent loans to loans | 0.1849% | 4,176 |
| Net loans and leases to total assets | 79.8892% | 975 |
| Net loans and leases to deposits | 93.5785% | 1,320 |
| Net loans and leases to core deposits | 109.2814% | 1,049 |
| Total domestic deposits to total assets | 85.3714% | 2,699 |
| Equity capital to assets | 14.4470% | 796 |
| Core capital (leverage) ratio | 15.6571% | 520 |
| Tier 1 risk-based capital ratio | 18.3204% | 1,708 |
| Total risk-based capital ratio | 18.8623% | 1,865 |
| Memoranda: | ||
| Average total assets | $187,472,600 | 3,048 |
| Average earning assets | $175,395,800 | 3,007 |
| Average equity | $29,700,200 | 2,379 |
| Average total loans | $142,733,200 | 2,741 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9407% | 694 |
| Cost of funding earning assets | 0.4102% | 3,085 |
| Net interest margin | 4.5305% | 563 |
| Noninterest income to average assets | 0.5046% | 3,004 |
| Noninterest expense to average assets | 3.2086% | 1,537 |
| Loan and lease loss provision to assets | 0.1861% | 1,058 |
| Net operating income to assets | 0.8867% | 3,092 |
| Return on assets (ROA) | 0.8902% | 3,127 |
| Pretax return on assets | 1.3486% | 2,290 |
| Return on Equity (ROE) | 5.4704% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.3789% | 2,623 |
| Net charge-offs to loans | 0.1134% | 1,659 |
| Credit loss provision to net charge-offs | 219.2982% | 1,261 |
| Earnings coverage of net charge-offs (x) | 18.0259% | 2,075 |
| Efficiency ratio | 67.7191% | 2,927 |
| Assets per employee ($millions) | 5.3632% | 2,052 |
| Cash dividends to net income (ytd only)* | 1.6725% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4887% | 5,484 |
| Loan loss allowance to noncurrent loans | 166.8094% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 4,119 |
| Noncurrent loans to loans | 0.2930% | 3,893 |
| Net loans and leases to total assets | 79.9402% | 993 |
| Net loans and leases to deposits | 95.2722% | 1,175 |
| Net loans and leases to core deposits | 102.6525% | 1,493 |
| Total domestic deposits to total assets | 83.9072% | 3,153 |
| Equity capital to assets | 15.7435% | 591 |
| Core capital (leverage) ratio | 16.3542% | 454 |
| Tier 1 risk-based capital ratio | 20.4614% | 1,286 |
| Total risk-based capital ratio | 20.9696% | 1,392 |
| Memoranda: | ||
| Average total assets | $179,139,000 | 3,150 |
| Average earning assets | $167,394,750 | 3,134 |
| Average equity | $29,150,250 | 2,433 |
| Average total loans | $134,078,000 | 2,878 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8995% | 696 |
| Cost of funding earning assets | 0.3812% | 3,277 |
| Net interest margin | 4.5183% | 547 |
| Noninterest income to average assets | 0.5130% | 2,945 |
| Noninterest expense to average assets | 3.2217% | 1,533 |
| Loan and lease loss provision to assets | 0.1401% | 1,466 |
| Net operating income to assets | 0.8921% | 2,952 |
| Return on assets (ROA) | 0.8975% | 2,982 |
| Pretax return on assets | 1.3595% | 2,169 |
| Return on Equity (ROE) | 5.4475% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.4475% | 2,440 |
| Net charge-offs to loans | 0.0414% | 2,367 |
| Credit loss provision to net charge-offs | 465.3846% | 698 |
| Earnings coverage of net charge-offs (x) | 49.5385% | 1,084 |
| Efficiency ratio | 68.3538% | 2,945 |
| Assets per employee ($millions) | 5.1443% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5340% | 5,479 |
| Loan loss allowance to noncurrent loans | 2,306.2500% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 5,223 |
| Noncurrent loans to loans | 0.0232% | 5,070 |
| Net loans and leases to total assets | 74.2262% | 1,824 |
| Net loans and leases to deposits | 89.3825% | 1,819 |
| Net loans and leases to core deposits | 94.1263% | 2,145 |
| Total domestic deposits to total assets | 83.0434% | 3,554 |
| Equity capital to assets | 16.6310% | 448 |
| Core capital (leverage) ratio | 17.5874% | 322 |
| Tier 1 risk-based capital ratio | 22.3110% | 1,015 |
| Total risk-based capital ratio | 22.8433% | 1,076 |
| Memoranda: | ||
| Average total assets | $172,706,330 | 3,253 |
| Average earning assets | $160,546,330 | 3,234 |
| Average equity | $28,453,330 | 2,472 |
| Average total loans | $125,634,000 | 3,010 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7648% | 810 |
| Cost of funding earning assets | 0.3703% | 3,305 |
| Net interest margin | 4.3945% | 648 |
| Noninterest income to average assets | 0.5287% | 2,774 |
| Noninterest expense to average assets | 3.2536% | 1,467 |
| Loan and lease loss provision to assets | 0.1322% | 1,447 |
| Net operating income to assets | 0.8050% | 3,201 |
| Return on assets (ROA) | 0.8050% | 3,262 |
| Pretax return on assets | 1.2207% | 2,511 |
| Return on Equity (ROE) | 4.9120% | 4,427 |
| Retained earnings to average equity (ytd only) | 4.9120% | 2,940 |
| Net charge-offs to loans | 0.0201% | 2,380 |
| Credit loss provision to net charge-offs | 916.6667% | 351 |
| Earnings coverage of net charge-offs (x) | 93.8333% | 574 |
| Efficiency ratio | 70.6312% | 2,797 |
| Assets per employee ($millions) | 5.0795% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5592% | 5,534 |
| Loan loss allowance to noncurrent loans | 2,232.2581% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 5,273 |
| Noncurrent loans to loans | 0.0250% | 5,121 |
| Net loans and leases to total assets | 71.2576% | 2,177 |
| Net loans and leases to deposits | 85.1766% | 2,134 |
| Net loans and leases to core deposits | 88.9300% | 2,460 |
| Total domestic deposits to total assets | 83.6587% | 3,600 |
| Equity capital to assets | 15.9424% | 509 |
| Core capital (leverage) ratio | 16.9747% | 365 |
| Tier 1 risk-based capital ratio | 22.0003% | 1,086 |
| Total risk-based capital ratio | 22.5486% | 1,158 |
| Memoranda: | ||
| Average total assets | $166,461,500 | 3,351 |
| Average earning assets | $154,465,000 | 3,342 |
| Average equity | $27,280,000 | 2,564 |
| Average total loans | $119,350,000 | 3,117 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 1,232 |
| Cost of funding earning assets | 0.3809% | 3,195 |
| Net interest margin | 4.2391% | 1,037 |
| Noninterest income to average assets | 0.4803% | 3,349 |
| Noninterest expense to average assets | 3.2917% | 1,594 |
| Loan and lease loss provision to assets | 0.1070% | 2,260 |
| Net operating income to assets | 0.7048% | 3,759 |
| Return on assets (ROA) | 0.7281% | 3,761 |
| Pretax return on assets | 1.0337% | 3,349 |
| Return on Equity (ROE) | 4.0852% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.0293% | 3,048 |
| Net charge-offs to loans | 0.0254% | 3,534 |
| Credit loss provision to net charge-offs | 644.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 66.6800% | 828 |
| Efficiency ratio | 74.8263% | 2,161 |
| Assets per employee ($millions) | 4.8552% | 2,567 |
| Cash dividends to net income (ytd only)* | 1.3686% | 4,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5594% | 5,594 |
| Loan loss allowance to noncurrent loans | 2,795.6522% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 5,341 |
| Noncurrent loans to loans | 0.0200% | 5,194 |
| Net loans and leases to total assets | 71.3400% | 2,267 |
| Net loans and leases to deposits | 86.1109% | 2,152 |
| Net loans and leases to core deposits | 89.8847% | 2,512 |
| Total domestic deposits to total assets | 82.8467% | 3,818 |
| Equity capital to assets | 16.8687% | 401 |
| Core capital (leverage) ratio | 17.4591% | 317 |
| Tier 1 risk-based capital ratio | 24.8422% | 784 |
| Total risk-based capital ratio | 25.4245% | 823 |
| Memoranda: | ||
| Average total assets | $150,529,200 | 3,515 |
| Average earning assets | $139,158,400 | 3,504 |
| Average equity | $26,828,400 | 2,582 |
| Average total loans | $98,352,200 | 3,418 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5492% | 1,405 |
| Cost of funding earning assets | 0.3847% | 3,179 |
| Net interest margin | 4.1645% | 1,215 |
| Noninterest income to average assets | 0.4798% | 3,378 |
| Noninterest expense to average assets | 3.2849% | 1,597 |
| Loan and lease loss provision to assets | 0.0945% | 2,336 |
| Net operating income to assets | 0.6268% | 4,176 |
| Return on assets (ROA) | 0.6554% | 4,178 |
| Pretax return on assets | 0.9930% | 3,660 |
| Return on Equity (ROE) | 3.6247% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.5500% | 3,772 |
| Net charge-offs to loans | 0.0410% | 2,815 |
| Credit loss provision to net charge-offs | 362.0690% | 906 |
| Earnings coverage of net charge-offs (x) | 39.9956% | 1,248 |
| Efficiency ratio | 75.8786% | 1,993 |
| Assets per employee ($millions) | 4.8065% | 2,603 |
| Cash dividends to net income (ytd only)* | 2.0605% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5636% | 5,654 |
| Loan loss allowance to noncurrent loans | 364.3750% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 5,016 |
| Noncurrent loans to loans | 0.1547% | 4,733 |
| Net loans and leases to total assets | 66.8708% | 2,974 |
| Net loans and leases to deposits | 81.7596% | 2,763 |
| Net loans and leases to core deposits | 85.4948% | 2,992 |
| Total domestic deposits to total assets | 81.7895% | 4,007 |
| Equity capital to assets | 17.7333% | 368 |
| Core capital (leverage) ratio | 18.1719% | 291 |
| Tier 1 risk-based capital ratio | 27.7198% | 598 |
| Total risk-based capital ratio | 28.3170% | 622 |
| Memoranda: | ||
| Average total assets | $148,106,500 | 3,572 |
| Average earning assets | $136,898,250 | 3,558 |
| Average equity | $26,778,750 | 2,604 |
| Average total loans | $94,204,250 | 3,514 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5055% | 1,494 |
| Cost of funding earning assets | 0.3882% | 3,169 |
| Net interest margin | 4.1173% | 1,326 |
| Noninterest income to average assets | 0.4856% | 3,295 |
| Noninterest expense to average assets | 3.2967% | 1,598 |
| Loan and lease loss provision to assets | 0.0821% | 2,497 |
| Net operating income to assets | 0.5993% | 4,273 |
| Return on assets (ROA) | 0.6156% | 4,331 |
| Pretax return on assets | 0.9329% | 3,823 |
| Return on Equity (ROE) | 3.3818% | 5,132 |
| Retained earnings to average equity (ytd only) | 3.2690% | 3,815 |
| Net charge-offs to loans | 0.0724% | 2,148 |
| Credit loss provision to net charge-offs | 181.8182% | 1,389 |
| Earnings coverage of net charge-offs (x) | 21.9394% | 1,651 |
| Efficiency ratio | 76.8985% | 1,942 |
| Assets per employee ($millions) | 5.0711% | 2,232 |
| Cash dividends to net income (ytd only)* | 3.3333% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5659% | 5,724 |
| Loan loss allowance to noncurrent loans | 404.5455% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 5,166 |
| Noncurrent loans to loans | 0.1399% | 4,871 |
| Net loans and leases to total assets | 63.8014% | 3,395 |
| Net loans and leases to deposits | 78.6460% | 3,093 |
| Net loans and leases to core deposits | 82.2467% | 3,245 |
| Total domestic deposits to total assets | 81.1248% | 4,234 |
| Equity capital to assets | 18.4087% | 303 |
| Core capital (leverage) ratio | 18.2813% | 273 |
| Tier 1 risk-based capital ratio | 29.5563% | 519 |
| Total risk-based capital ratio | 30.1456% | 537 |
| Memoranda: | ||
| Average total assets | $146,206,330 | 3,610 |
| Average earning assets | $134,990,330 | 3,611 |
| Average equity | $26,613,330 | 2,624 |
| Average total loans | $91,127,330 | 3,586 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 1,559 |
| Cost of funding earning assets | 0.3897% | 3,193 |
| Net interest margin | 4.0929% | 1,360 |
| Noninterest income to average assets | 0.5076% | 3,065 |
| Noninterest expense to average assets | 3.1692% | 1,909 |
| Loan and lease loss provision to assets | 0.0659% | 2,648 |
| Net operating income to assets | 0.6914% | 3,755 |
| Return on assets (ROA) | 0.6860% | 3,901 |
| Pretax return on assets | 1.0399% | 3,325 |
| Return on Equity (ROE) | 3.7902% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.7902% | 3,600 |
| Net charge-offs to loans | 0.1743% | 1,100 |
| Credit loss provision to net charge-offs | 61.5385% | 1,969 |
| Earnings coverage of net charge-offs (x) | 10.4103% | 1,922 |
| Efficiency ratio | 73.9910% | 2,477 |
| Assets per employee ($millions) | 5.0609% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5525% | 5,817 |
| Loan loss allowance to noncurrent loans | 464.1509% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 5,303 |
| Noncurrent loans to loans | 0.1190% | 4,998 |
| Net loans and leases to total assets | 60.3385% | 3,724 |
| Net loans and leases to deposits | 74.1094% | 3,424 |
| Net loans and leases to core deposits | 77.3201% | 3,566 |
| Total domestic deposits to total assets | 81.4182% | 4,373 |
| Equity capital to assets | 18.1376% | 314 |
| Core capital (leverage) ratio | 18.2212% | 281 |
| Tier 1 risk-based capital ratio | 30.9365% | 464 |
| Total risk-based capital ratio | 31.5093% | 486 |
| Memoranda: | ||
| Average total assets | $145,779,000 | 3,640 |
| Average earning assets | $134,476,500 | 3,644 |
| Average equity | $26,384,000 | 2,638 |
| Average total loans | $89,510,500 | 3,628 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3213% | 2,145 |
| Cost of funding earning assets | 0.4083% | 3,067 |
| Net interest margin | 3.9130% | 1,985 |
| Noninterest income to average assets | 0.4507% | 3,659 |
| Noninterest expense to average assets | 3.0064% | 2,522 |
| Loan and lease loss provision to assets | 0.0486% | 3,361 |
| Net operating income to assets | 0.7028% | 3,799 |
| Return on assets (ROA) | 0.7263% | 3,784 |
| Pretax return on assets | 1.0341% | 3,330 |
| Return on Equity (ROE) | 4.0692% | 4,912 |
| Retained earnings to average equity (ytd only) | 1.5058% | 4,865 |
| Net charge-offs to loans | 0.0191% | 3,889 |
| Credit loss provision to net charge-offs | 443.7500% | 693 |
| Earnings coverage of net charge-offs (x) | 95.8750% | 600 |
| Efficiency ratio | 74.1315% | 2,562 |
| Assets per employee ($millions) | 4.9928% | 2,371 |
| Cash dividends to net income (ytd only)* | 62.9944% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5635% | 5,850 |
| Loan loss allowance to noncurrent loans | 487.5000% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 5,349 |
| Noncurrent loans to loans | 0.1156% | 5,035 |
| Net loans and leases to total assets | 61.7891% | 3,587 |
| Net loans and leases to deposits | 75.6793% | 3,293 |
| Net loans and leases to core deposits | 78.9880% | 3,444 |
| Total domestic deposits to total assets | 81.6460% | 4,286 |
| Equity capital to assets | 18.0591% | 309 |
| Core capital (leverage) ratio | 17.3969% | 325 |
| Tier 1 risk-based capital ratio | 29.9128% | 508 |
| Total risk-based capital ratio | 30.4986% | 528 |
| Memoranda: | ||
| Average total assets | $146,220,800 | 3,625 |
| Average earning assets | $134,706,000 | 3,614 |
| Average equity | $26,098,400 | 2,617 |
| Average total loans | $83,819,800 | 3,730 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 2,441 |
| Cost of funding earning assets | 0.4080% | 3,140 |
| Net interest margin | 3.8331% | 2,257 |
| Noninterest income to average assets | 0.4503% | 3,718 |
| Noninterest expense to average assets | 2.9472% | 2,679 |
| Loan and lease loss provision to assets | 0.0637% | 2,911 |
| Net operating income to assets | 0.6550% | 4,103 |
| Return on assets (ROA) | 0.6686% | 4,153 |
| Pretax return on assets | 0.9888% | 3,656 |
| Return on Equity (ROE) | 3.7567% | 5,123 |
| Retained earnings to average equity (ytd only) | 0.4395% | 5,495 |
| Net charge-offs to loans | 0.0308% | 3,309 |
| Credit loss provision to net charge-offs | 368.4211% | 807 |
| Earnings coverage of net charge-offs (x) | 59.7434% | 925 |
| Efficiency ratio | 74.0571% | 2,543 |
| Assets per employee ($millions) | 5.0886% | 2,193 |
| Cash dividends to net income (ytd only)* | 88.2987% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5848% | 5,921 |
| Loan loss allowance to noncurrent loans | 465.7407% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 5,456 |
| Noncurrent loans to loans | 0.1256% | 5,126 |
| Net loans and leases to total assets | 60.0140% | 3,882 |
| Net loans and leases to deposits | 73.8010% | 3,565 |
| Net loans and leases to core deposits | 77.3527% | 3,663 |
| Total domestic deposits to total assets | 81.3188% | 4,385 |
| Equity capital to assets | 18.2882% | 320 |
| Core capital (leverage) ratio | 18.1639% | 291 |
| Tier 1 risk-based capital ratio | 31.3760% | 461 |
| Total risk-based capital ratio | 31.9829% | 481 |
| Memoranda: | ||
| Average total assets | $146,578,250 | 3,651 |
| Average earning assets | $134,961,000 | 3,651 |
| Average equity | $26,086,000 | 2,638 |
| Average total loans | $82,281,750 | 3,797 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1345% | 2,777 |
| Cost of funding earning assets | 0.4101% | 3,159 |
| Net interest margin | 3.7244% | 2,603 |
| Noninterest income to average assets | 0.4380% | 3,792 |
| Noninterest expense to average assets | 2.8389% | 3,107 |
| Loan and lease loss provision to assets | 0.0149% | 3,823 |
| Net operating income to assets | 0.6667% | 4,050 |
| Return on assets (ROA) | 0.6854% | 4,072 |
| Pretax return on assets | 1.0382% | 3,424 |
| Return on Equity (ROE) | 3.8857% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.8091% | 3,580 |
| Net charge-offs to loans | 0.0074% | 3,641 |
| Credit loss provision to net charge-offs | 366.6667% | 800 |
| Earnings coverage of net charge-offs (x) | 252.6667% | 274 |
| Efficiency ratio | 73.4780% | 2,755 |
| Assets per employee ($millions) | 5.1359% | 2,110 |
| Cash dividends to net income (ytd only)* | 1.9724% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5587% | 6,033 |
| Loan loss allowance to noncurrent loans | 3,833.3333% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 5,865 |
| Noncurrent loans to loans | 0.0146% | 5,705 |
| Net loans and leases to total assets | 56.9371% | 4,228 |
| Net loans and leases to deposits | 69.8859% | 3,946 |
| Net loans and leases to core deposits | 73.2030% | 4,026 |
| Total domestic deposits to total assets | 81.4716% | 4,454 |
| Equity capital to assets | 18.2030% | 318 |
| Core capital (leverage) ratio | 17.8125% | 305 |
| Tier 1 risk-based capital ratio | 32.9630% | 427 |
| Total risk-based capital ratio | 33.5372% | 444 |
| Memoranda: | ||
| Average total assets | $147,944,330 | 3,657 |
| Average earning assets | $136,075,330 | 3,659 |
| Average equity | $26,095,670 | 2,651 |
| Average total loans | $81,038,670 | 3,845 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0642% | 2,974 |
| Cost of funding earning assets | 0.4099% | 3,192 |
| Net interest margin | 3.6543% | 2,795 |
| Noninterest income to average assets | 0.4266% | 3,789 |
| Noninterest expense to average assets | 2.7864% | 3,292 |
| Loan and lease loss provision to assets | 0.0240% | 3,391 |
| Net operating income to assets | 0.6373% | 4,099 |
| Return on assets (ROA) | 0.6373% | 4,223 |
| Pretax return on assets | 0.9679% | 3,618 |
| Return on Equity (ROE) | 3.6692% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.6692% | 3,807 |
| Net charge-offs to loans | -0.0597% | 5,612 |
| Credit loss provision to net charge-offs | -75.0000% | 4,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7474% | 2,857 |
| Assets per employee ($millions) | 5.8138% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5857% | 6,080 |
| Loan loss allowance to noncurrent loans | 4,300.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 5,926 |
| Noncurrent loans to loans | 0.0136% | 5,747 |
| Net loans and leases to total assets | 53.1119% | 4,545 |
| Net loans and leases to deposits | 64.5946% | 4,306 |
| Net loans and leases to core deposits | 67.4820% | 4,387 |
| Total domestic deposits to total assets | 82.2235% | 4,448 |
| Equity capital to assets | 17.3836% | 391 |
| Core capital (leverage) ratio | 17.3707% | 329 |
| Tier 1 risk-based capital ratio | 32.7907% | 431 |
| Total risk-based capital ratio | 33.3839% | 448 |
| Memoranda: | ||
| Average total assets | $150,013,500 | 3,654 |
| Average earning assets | $137,591,000 | 3,663 |
| Average equity | $26,055,000 | 2,670 |
| Average total loans | $80,388,500 | 3,875 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1874% | 2,988 |
| Cost of funding earning assets | 0.4774% | 2,909 |
| Net interest margin | 3.7099% | 2,977 |
| Noninterest income to average assets | 0.4344% | 3,938 |
| Noninterest expense to average assets | 2.9829% | 2,894 |
| Loan and lease loss provision to assets | 0.0969% | 2,531 |
| Net operating income to assets | 0.4879% | 4,858 |
| Return on assets (ROA) | 0.4931% | 4,927 |
| Pretax return on assets | 0.7379% | 4,485 |
| Return on Equity (ROE) | 2.7420% | 5,561 |
| Retained earnings to average equity (ytd only) | 1.6955% | 4,967 |
| Net charge-offs to loans | 0.1201% | 2,838 |
| Credit loss provision to net charge-offs | 155.6818% | 1,559 |
| Earnings coverage of net charge-offs (x) | 13.2841% | 2,281 |
| Efficiency ratio | 78.2916% | 2,164 |
| Assets per employee ($millions) | 5.7257% | 1,587 |
| Cash dividends to net income (ytd only)* | 38.1636% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5649% | 6,189 |
| Loan loss allowance to noncurrent loans | 2,658.8235% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 6,020 |
| Noncurrent loans to loans | 0.0212% | 5,803 |
| Net loans and leases to total assets | 53.4491% | 4,643 |
| Net loans and leases to deposits | 64.9233% | 4,439 |
| Net loans and leases to core deposits | 67.4299% | 4,562 |
| Total domestic deposits to total assets | 82.3265% | 4,304 |
| Equity capital to assets | 17.3531% | 383 |
| Core capital (leverage) ratio | 17.6493% | 315 |
| Tier 1 risk-based capital ratio | 32.0957% | 425 |
| Total risk-based capital ratio | 32.6557% | 452 |
| Memoranda: | ||
| Average total assets | $141,341,000 | 3,773 |
| Average earning assets | $128,601,600 | 3,798 |
| Average equity | $25,419,800 | 2,623 |
| Average total loans | $73,294,600 | 4,084 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 2,964 |
| Cost of funding earning assets | 0.4939% | 2,826 |
| Net interest margin | 3.7129% | 2,972 |
| Noninterest income to average assets | 0.4436% | 3,934 |
| Noninterest expense to average assets | 2.9762% | 2,878 |
| Loan and lease loss provision to assets | 0.1004% | 2,364 |
| Net operating income to assets | 0.4953% | 4,888 |
| Return on assets (ROA) | 0.4914% | 4,968 |
| Pretax return on assets | 0.7323% | 4,585 |
| Return on Equity (ROE) | 2.7070% | 5,651 |
| Retained earnings to average equity (ytd only) | 1.3061% | 5,375 |
| Net charge-offs to loans | 0.1732% | 2,067 |
| Credit loss provision to net charge-offs | 112.9032% | 2,004 |
| Earnings coverage of net charge-offs (x) | 9.4298% | 2,673 |
| Efficiency ratio | 78.0201% | 2,181 |
| Assets per employee ($millions) | 5.3546% | 1,858 |
| Cash dividends to net income (ytd only)* | 51.7510% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5454% | 6,289 |
| Loan loss allowance to noncurrent loans | 1,296.8750% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 6,080 |
| Noncurrent loans to loans | 0.0421% | 5,844 |
| Net loans and leases to total assets | 52.3466% | 4,768 |
| Net loans and leases to deposits | 63.8313% | 4,560 |
| Net loans and leases to core deposits | 66.4160% | 4,667 |
| Total domestic deposits to total assets | 82.0077% | 4,474 |
| Equity capital to assets | 17.6499% | 364 |
| Core capital (leverage) ratio | 18.0857% | 297 |
| Tier 1 risk-based capital ratio | 33.2172% | 410 |
| Total risk-based capital ratio | 33.7526% | 419 |
| Memoranda: | ||
| Average total assets | $139,459,500 | 3,837 |
| Average earning assets | $126,618,500 | 3,865 |
| Average equity | $25,316,500 | 2,638 |
| Average total loans | $71,613,250 | 4,173 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1769% | 3,046 |
| Cost of funding earning assets | 0.5209% | 2,631 |
| Net interest margin | 3.6560% | 3,116 |
| Noninterest income to average assets | 0.4559% | 3,824 |
| Noninterest expense to average assets | 2.9545% | 2,987 |
| Loan and lease loss provision to assets | 0.0769% | 2,737 |
| Net operating income to assets | 0.4980% | 4,819 |
| Return on assets (ROA) | 0.4980% | 4,898 |
| Pretax return on assets | 0.7361% | 4,514 |
| Return on Equity (ROE) | 2.7169% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.7169% | 4,473 |
| Net charge-offs to loans | 0.2054% | 1,793 |
| Credit loss provision to net charge-offs | 73.6111% | 2,410 |
| Earnings coverage of net charge-offs (x) | 7.7778% | 2,580 |
| Efficiency ratio | 78.4200% | 2,239 |
| Assets per employee ($millions) | 5.3099% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5314% | 6,383 |
| Loan loss allowance to noncurrent loans | 1,828.5714% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 6,194 |
| Noncurrent loans to loans | 0.0291% | 5,978 |
| Net loans and leases to total assets | 52.0640% | 4,740 |
| Net loans and leases to deposits | 64.1877% | 4,477 |
| Net loans and leases to core deposits | 66.9623% | 4,557 |
| Total domestic deposits to total assets | 81.1121% | 4,945 |
| Equity capital to assets | 18.6119% | 287 |
| Core capital (leverage) ratio | 18.8988% | 249 |
| Tier 1 risk-based capital ratio | 34.3195% | 365 |
| Total risk-based capital ratio | 34.8296% | 383 |
| Memoranda: | ||
| Average total assets | $137,755,000 | 3,890 |
| Average earning assets | $124,782,000 | 3,915 |
| Average equity | $25,249,670 | 2,631 |
| Average total loans | $70,119,670 | 4,229 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 3,284 |
| Cost of funding earning assets | 0.5935% | 2,027 |
| Net interest margin | 3.5066% | 3,661 |
| Noninterest income to average assets | 0.4622% | 3,692 |
| Noninterest expense to average assets | 2.9563% | 3,027 |
| Loan and lease loss provision to assets | 0.0494% | 3,105 |
| Net operating income to assets | 0.4418% | 4,968 |
| Return on assets (ROA) | 0.4418% | 5,029 |
| Pretax return on assets | 0.6337% | 4,712 |
| Return on Equity (ROE) | 2.4294% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.4294% | 4,614 |
| Net charge-offs to loans | -0.0695% | 5,952 |
| Credit loss provision to net charge-offs | -141.6667% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2300% | 2,022 |
| Assets per employee ($millions) | 5.0545% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6200% | 6,379 |
| Loan loss allowance to noncurrent loans | 533.3333% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 6,099 |
| Noncurrent loans to loans | 0.1162% | 5,780 |
| Net loans and leases to total assets | 50.7423% | 4,821 |
| Net loans and leases to deposits | 62.3528% | 4,511 |
| Net loans and leases to core deposits | 65.3811% | 4,562 |
| Total domestic deposits to total assets | 81.3793% | 5,130 |
| Equity capital to assets | 18.4492% | 296 |
| Core capital (leverage) ratio | 18.4947% | 279 |
| Tier 1 risk-based capital ratio | 35.1645% | 345 |
| Total risk-based capital ratio | 35.7570% | 357 |
| Memoranda: | ||
| Average total assets | $137,604,000 | 3,929 |
| Average earning assets | $124,680,500 | 3,951 |
| Average equity | $25,027,000 | 2,642 |
| Average total loans | $69,048,500 | 4,297 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0185% | 4,028 |
| Cost of funding earning assets | 0.6982% | 1,829 |
| Net interest margin | 3.3203% | 4,588 |
| Noninterest income to average assets | 0.4419% | 4,143 |
| Noninterest expense to average assets | 2.9701% | 3,131 |
| Loan and lease loss provision to assets | 0.0275% | 4,575 |
| Net operating income to assets | 0.3833% | 5,204 |
| Return on assets (ROA) | 0.4021% | 5,253 |
| Pretax return on assets | 0.4732% | 5,286 |
| Return on Equity (ROE) | 2.0883% | 5,810 |
| Retained earnings to average equity (ytd only) | 1.0322% | 5,376 |
| Net charge-offs to loans | 0.0167% | 5,114 |
| Credit loss provision to net charge-offs | 327.2727% | 701 |
| Earnings coverage of net charge-offs (x) | 56.9091% | 717 |
| Efficiency ratio | 86.1228% | 1,404 |
| Assets per employee ($millions) | 5.3360% | 1,810 |
| Cash dividends to net income (ytd only)* | 50.5703% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5890% | 6,489 |
| Loan loss allowance to noncurrent loans | 544.5946% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 6,209 |
| Noncurrent loans to loans | 0.1082% | 5,883 |
| Net loans and leases to total assets | 49.0233% | 5,193 |
| Net loans and leases to deposits | 59.8185% | 4,950 |
| Net loans and leases to core deposits | 62.5303% | 5,016 |
| Total domestic deposits to total assets | 81.9535% | 4,893 |
| Equity capital to assets | 17.9305% | 326 |
| Core capital (leverage) ratio | 18.6258% | 263 |
| Tier 1 risk-based capital ratio | 35.6338% | 306 |
| Total risk-based capital ratio | 36.1974% | 326 |
| Memoranda: | ||
| Average total assets | $130,803,600 | 4,054 |
| Average earning assets | $118,452,800 | 4,078 |
| Average equity | $25,188,000 | 2,612 |
| Average total loans | $65,764,000 | 4,419 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9834% | 4,198 |
| Cost of funding earning assets | 0.6929% | 2,000 |
| Net interest margin | 3.2905% | 4,678 |
| Noninterest income to average assets | 0.4451% | 4,191 |
| Noninterest expense to average assets | 2.9870% | 3,037 |
| Loan and lease loss provision to assets | 0.0279% | 4,451 |
| Net operating income to assets | 0.3913% | 5,278 |
| Return on assets (ROA) | 0.3933% | 5,406 |
| Pretax return on assets | 0.4109% | 5,599 |
| Return on Equity (ROE) | 2.0053% | 5,937 |
| Retained earnings to average equity (ytd only) | 0.6016% | 5,726 |
| Net charge-offs to loans | -0.0061% | 5,808 |
| Credit loss provision to net charge-offs | -900.0000% | 6,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2430% | 1,237 |
| Assets per employee ($millions) | 5.3857% | 1,752 |
| Cash dividends to net income (ytd only)* | 70.0010% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6039% | 6,554 |
| Loan loss allowance to noncurrent loans | 608.9552% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 6,312 |
| Noncurrent loans to loans | 0.0992% | 6,038 |
| Net loans and leases to total assets | 49.8749% | 5,153 |
| Net loans and leases to deposits | 61.3594% | 4,824 |
| Net loans and leases to core deposits | 64.2908% | 4,871 |
| Total domestic deposits to total assets | 81.2831% | 5,146 |
| Equity capital to assets | 18.5617% | 290 |
| Core capital (leverage) ratio | 19.0618% | 237 |
| Tier 1 risk-based capital ratio | 36.1435% | 308 |
| Total risk-based capital ratio | 36.7260% | 318 |
| Memoranda: | ||
| Average total assets | $128,820,500 | 4,145 |
| Average earning assets | $116,614,750 | 4,160 |
| Average equity | $25,266,000 | 2,631 |
| Average total loans | $65,101,000 | 4,483 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 4,203 |
| Cost of funding earning assets | 0.6801% | 2,220 |
| Net interest margin | 3.2963% | 4,602 |
| Noninterest income to average assets | 0.4492% | 4,165 |
| Noninterest expense to average assets | 2.9965% | 3,011 |
| Loan and lease loss provision to assets | 0.0284% | 4,361 |
| Net operating income to assets | 0.4114% | 5,172 |
| Return on assets (ROA) | 0.4146% | 5,323 |
| Pretax return on assets | 0.4146% | 5,610 |
| Return on Equity (ROE) | 2.0744% | 5,930 |
| Retained earnings to average equity (ytd only) | 2.0744% | 4,958 |
| Net charge-offs to loans | 0.0218% | 4,402 |
| Credit loss provision to net charge-offs | 257.1429% | 973 |
| Earnings coverage of net charge-offs (x) | 39.8571% | 928 |
| Efficiency ratio | 87.2018% | 1,304 |
| Assets per employee ($millions) | 5.2244% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5897% | 6,628 |
| Loan loss allowance to noncurrent loans | 1,341.3793% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 6,473 |
| Noncurrent loans to loans | 0.0440% | 6,261 |
| Net loans and leases to total assets | 50.2102% | 5,090 |
| Net loans and leases to deposits | 62.2000% | 4,713 |
| Net loans and leases to core deposits | 65.4968% | 4,741 |
| Total domestic deposits to total assets | 80.7237% | 5,418 |
| Equity capital to assets | 19.1737% | 248 |
| Core capital (leverage) ratio | 19.8818% | 197 |
| Tier 1 risk-based capital ratio | 37.1305% | 285 |
| Total risk-based capital ratio | 37.6978% | 291 |
| Memoranda: | ||
| Average total assets | $126,879,670 | 4,211 |
| Average earning assets | $114,977,000 | 4,232 |
| Average equity | $25,357,330 | 2,645 |
| Average total loans | $64,281,000 | 4,526 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 4,418 |
| Cost of funding earning assets | 0.6724% | 2,465 |
| Net interest margin | 3.2425% | 4,753 |
| Noninterest income to average assets | 0.4639% | 4,027 |
| Noninterest expense to average assets | 3.0077% | 2,966 |
| Loan and lease loss provision to assets | 0.0096% | 4,336 |
| Net operating income to assets | 0.3936% | 5,156 |
| Return on assets (ROA) | 0.3936% | 5,303 |
| Pretax return on assets | 0.3936% | 5,582 |
| Return on Equity (ROE) | 1.9283% | 5,959 |
| Retained earnings to average equity (ytd only) | 1.9283% | 5,035 |
| Net charge-offs to loans | 0.0567% | 3,261 |
| Credit loss provision to net charge-offs | 33.3333% | 2,834 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,486 |
| Efficiency ratio | 88.1801% | 1,310 |
| Assets per employee ($millions) | 5.0472% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5896% | 6,718 |
| Loan loss allowance to noncurrent loans | 1,860.0000% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 6,570 |
| Noncurrent loans to loans | 0.0317% | 6,400 |
| Net loans and leases to total assets | 49.7052% | 5,030 |
| Net loans and leases to deposits | 62.4563% | 4,480 |
| Net loans and leases to core deposits | 65.9322% | 4,539 |
| Total domestic deposits to total assets | 79.5839% | 5,844 |
| Equity capital to assets | 20.2409% | 208 |
| Core capital (leverage) ratio | 20.3039% | 179 |
| Tier 1 risk-based capital ratio | 38.4966% | 261 |
| Total risk-based capital ratio | 39.0625% | 266 |
| Memoranda: | ||
| Average total assets | $125,014,000 | 4,282 |
| Average earning assets | $113,616,500 | 4,296 |
| Average equity | $25,514,500 | 2,660 |
| Average total loans | $63,437,000 | 4,584 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 4,314 |
| Cost of funding earning assets | 0.7190% | 3,336 |
| Net interest margin | 3.5515% | 4,294 |
| Noninterest income to average assets | 0.4088% | 4,536 |
| Noninterest expense to average assets | 2.9975% | 3,287 |
| Loan and lease loss provision to assets | 0.1247% | 4,057 |
| Net operating income to assets | 0.4723% | 4,795 |
| Return on assets (ROA) | 0.5128% | 4,900 |
| Pretax return on assets | 0.5128% | 5,244 |
| Return on Equity (ROE) | 2.4710% | 5,760 |
| Retained earnings to average equity (ytd only) | 2.4710% | 4,494 |
| Net charge-offs to loans | 0.0805% | 4,863 |
| Credit loss provision to net charge-offs | 308.1633% | 785 |
| Earnings coverage of net charge-offs (x) | 14.7551% | 1,713 |
| Efficiency ratio | 83.3908% | 1,698 |
| Assets per employee ($millions) | 5.1603% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5926% | 6,766 |
| Loan loss allowance to noncurrent loans | 572.7273% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 6,498 |
| Noncurrent loans to loans | 0.1035% | 6,229 |
| Net loans and leases to total assets | 51.1966% | 5,010 |
| Net loans and leases to deposits | 64.6176% | 4,463 |
| Net loans and leases to core deposits | 68.2923% | 4,506 |
| Total domestic deposits to total assets | 79.2302% | 5,845 |
| Equity capital to assets | 20.5809% | 201 |
| Core capital (leverage) ratio | 20.1498% | 191 |
| Tier 1 risk-based capital ratio | 37.9526% | 276 |
| Total risk-based capital ratio | 38.5224% | 281 |
| Memoranda: | ||
| Average total assets | $121,099,800 | 4,339 |
| Average earning assets | $108,630,000 | 4,377 |
| Average equity | $25,132,000 | 2,646 |
| Average total loans | $60,878,400 | 4,677 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3121% | 4,411 |
| Cost of funding earning assets | 0.7296% | 3,519 |
| Net interest margin | 3.5825% | 4,311 |
| Noninterest income to average assets | 0.4064% | 4,590 |
| Noninterest expense to average assets | 2.9896% | 3,265 |
| Loan and lease loss provision to assets | 0.1262% | 3,974 |
| Net operating income to assets | 0.4872% | 4,891 |
| Return on assets (ROA) | 0.5370% | 4,944 |
| Pretax return on assets | 0.5370% | 5,355 |
| Return on Equity (ROE) | 2.5822% | 5,853 |
| Retained earnings to average equity (ytd only) | 2.5822% | 5,016 |
| Net charge-offs to loans | 0.0111% | 5,554 |
| Credit loss provision to net charge-offs | 2,280.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 110.7421% | 388 |
| Efficiency ratio | 82.9748% | 1,700 |
| Assets per employee ($millions) | 5.3581% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5952% | 6,874 |
| Loan loss allowance to noncurrent loans | 1,925.0000% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 6,733 |
| Noncurrent loans to loans | 0.0309% | 6,545 |
| Net loans and leases to total assets | 52.1747% | 5,023 |
| Net loans and leases to deposits | 66.1461% | 4,453 |
| Net loans and leases to core deposits | 69.7625% | 4,525 |
| Total domestic deposits to total assets | 78.8779% | 5,900 |
| Equity capital to assets | 20.7512% | 214 |
| Core capital (leverage) ratio | 20.4320% | 195 |
| Tier 1 risk-based capital ratio | 37.8236% | 292 |
| Total risk-based capital ratio | 38.4054% | 304 |
| Memoranda: | ||
| Average total assets | $120,412,750 | 4,389 |
| Average earning assets | $107,446,750 | 4,456 |
| Average equity | $25,042,750 | 2,683 |
| Average total loans | $60,152,000 | 4,760 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 4,503 |
| Cost of funding earning assets | 0.7503% | 3,603 |
| Net interest margin | 3.5652% | 4,399 |
| Noninterest income to average assets | 0.4152% | 4,543 |
| Noninterest expense to average assets | 2.9764% | 3,349 |
| Loan and lease loss provision to assets | 0.1239% | 3,978 |
| Net operating income to assets | 0.4888% | 4,871 |
| Return on assets (ROA) | 0.5642% | 4,804 |
| Pretax return on assets | 0.5642% | 5,264 |
| Return on Equity (ROE) | 2.7105% | 5,805 |
| Retained earnings to average equity (ytd only) | 2.7105% | 4,820 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9291% | 1,758 |
| Assets per employee ($millions) | 5.0396% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5535% | 6,974 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 6,690 |
| Noncurrent loans to loans | 0.0111% | 6,677 |
| Net loans and leases to total assets | 51.9913% | 5,103 |
| Net loans and leases to deposits | 65.8140% | 4,530 |
| Net loans and leases to core deposits | 69.1048% | 4,653 |
| Total domestic deposits to total assets | 78.9973% | 5,961 |
| Equity capital to assets | 20.7836% | 209 |
| Core capital (leverage) ratio | 21.0383% | 163 |
| Tier 1 risk-based capital ratio | 37.6788% | 287 |
| Total risk-based capital ratio | 38.2090% | 296 |
| Memoranda: | ||
| Average total assets | $119,471,670 | 4,436 |
| Average earning assets | $106,361,330 | 4,503 |
| Average equity | $24,866,000 | 2,686 |
| Average total loans | $58,641,670 | 4,844 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2031% | 5,090 |
| Cost of funding earning assets | 0.7945% | 3,517 |
| Net interest margin | 3.4086% | 5,087 |
| Noninterest income to average assets | 0.4279% | 4,470 |
| Noninterest expense to average assets | 2.9882% | 3,294 |
| Loan and lease loss provision to assets | 0.1583% | 3,399 |
| Net operating income to assets | 0.3167% | 5,604 |
| Return on assets (ROA) | 0.4683% | 5,159 |
| Pretax return on assets | 0.4683% | 5,528 |
| Return on Equity (ROE) | 2.2483% | 5,989 |
| Retained earnings to average equity (ytd only) | 2.2483% | 5,132 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2840% | 1,454 |
| Assets per employee ($millions) | 5.1556% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5509% | 7,026 |
| Loan loss allowance to noncurrent loans | 354.9451% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 6,693 |
| Noncurrent loans to loans | 0.1552% | 6,371 |
| Net loans and leases to total assets | 49.1698% | 5,410 |
| Net loans and leases to deposits | 62.2757% | 4,874 |
| Net loans and leases to core deposits | 65.6758% | 4,952 |
| Total domestic deposits to total assets | 78.9550% | 6,085 |
| Equity capital to assets | 20.9051% | 189 |
| Core capital (leverage) ratio | 20.9456% | 163 |
| Tier 1 risk-based capital ratio | 39.6602% | 234 |
| Total risk-based capital ratio | 40.1794% | 245 |
| Memoranda: | ||
| Average total assets | $118,732,000 | 4,481 |
| Average earning assets | $105,732,500 | 4,551 |
| Average equity | $24,730,000 | 2,690 |
| Average total loans | $56,345,500 | 4,970 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3246% | 5,679 |
| Cost of funding earning assets | 0.9136% | 4,022 |
| Net interest margin | 3.4110% | 5,450 |
| Noninterest income to average assets | 0.3619% | 4,923 |
| Noninterest expense to average assets | 3.2427% | 2,713 |
| Loan and lease loss provision to assets | 0.0259% | 6,249 |
| Net operating income to assets | 0.1075% | 5,851 |
| Return on assets (ROA) | 0.1171% | 5,948 |
| Pretax return on assets | 0.1171% | 5,939 |
| Return on Equity (ROE) | 0.4962% | 6,064 |
| Retained earnings to average equity (ytd only) | 0.4962% | 5,603 |
| Net charge-offs to loans | 0.0682% | 5,627 |
| Credit loss provision to net charge-offs | 81.8182% | 4,371 |
| Earnings coverage of net charge-offs (x) | 4.2121% | 3,216 |
| Efficiency ratio | 96.0478% | 818 |
| Assets per employee ($millions) | 5.1689% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5105% | 7,099 |
| Loan loss allowance to noncurrent loans | 9,200.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 7,008 |
| Noncurrent loans to loans | 0.0055% | 6,854 |
| Net loans and leases to total assets | 45.2429% | 6,084 |
| Net loans and leases to deposits | 57.1813% | 5,781 |
| Net loans and leases to core deposits | 59.7487% | 5,874 |
| Total domestic deposits to total assets | 79.1218% | 5,965 |
| Equity capital to assets | 20.7520% | 196 |
| Core capital (leverage) ratio | 21.2289% | 159 |
| Tier 1 risk-based capital ratio | 43.3324% | 182 |
| Total risk-based capital ratio | 43.8200% | 187 |
| Memoranda: | ||
| Average total assets | $104,171,000 | 4,786 |
| Average earning assets | $92,054,600 | 4,853 |
| Average equity | $24,585,400 | 2,619 |
| Average total loans | $48,369,800 | 5,331 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3509% | 5,771 |
| Cost of funding earning assets | 0.9267% | 4,221 |
| Net interest margin | 3.4241% | 5,492 |
| Noninterest income to average assets | 0.3755% | 4,864 |
| Noninterest expense to average assets | 3.3262% | 2,418 |
| Loan and lease loss provision to assets | 0.0133% | 6,268 |
| Net operating income to assets | 0.0557% | 6,063 |
| Return on assets (ROA) | 0.0690% | 6,142 |
| Pretax return on assets | 0.0690% | 6,141 |
| Return on Equity (ROE) | 0.2822% | 6,204 |
| Retained earnings to average equity (ytd only) | 0.2822% | 5,870 |
| Net charge-offs to loans | 0.0057% | 6,097 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 25.9663% | 1,031 |
| Efficiency ratio | 97.9680% | 739 |
| Assets per employee ($millions) | 4.8041% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6028% | 7,080 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 7,074 |
| Noncurrent loans to loans | 0.0104% | 6,932 |
| Net loans and leases to total assets | 43.2780% | 6,400 |
| Net loans and leases to deposits | 55.8945% | 6,046 |
| Net loans and leases to core deposits | 58.7029% | 6,074 |
| Total domestic deposits to total assets | 77.4279% | 6,311 |
| Equity capital to assets | 22.3268% | 161 |
| Core capital (leverage) ratio | 23.4691% | 131 |
| Tier 1 risk-based capital ratio | 48.6612% | 154 |
| Total risk-based capital ratio | 49.2385% | 158 |
| Memoranda: | ||
| Average total assets | $100,492,500 | 4,914 |
| Average earning assets | $88,623,750 | 5,003 |
| Average equity | $24,564,000 | 2,626 |
| Average total loans | $46,946,500 | 5,426 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3786% | 5,768 |
| Cost of funding earning assets | 0.9668% | 4,202 |
| Net interest margin | 3.4118% | 5,513 |
| Noninterest income to average assets | 0.3891% | 4,767 |
| Noninterest expense to average assets | 3.3430% | 2,422 |
| Loan and lease loss provision to assets | 0.0206% | 6,033 |
| Net operating income to assets | 0.0185% | 6,194 |
| Return on assets (ROA) | 0.0185% | 6,274 |
| Pretax return on assets | 0.0185% | 6,243 |
| Return on Equity (ROE) | 0.0734% | 6,288 |
| Retained earnings to average equity (ytd only) | 0.0734% | 5,806 |
| Net charge-offs to loans | 0.0043% | 5,823 |
| Credit loss provision to net charge-offs | 1,000.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,234 |
| Efficiency ratio | 98.8436% | 760 |
| Assets per employee ($millions) | 4.3820% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6044% | 7,131 |
| Loan loss allowance to noncurrent loans | 3,637.5000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 7,110 |
| Noncurrent loans to loans | 0.0166% | 6,956 |
| Net loans and leases to total assets | 47.4843% | 6,107 |
| Net loans and leases to deposits | 63.0349% | 5,388 |
| Net loans and leases to core deposits | 66.3708% | 5,463 |
| Total domestic deposits to total assets | 75.3302% | 6,692 |
| Equity capital to assets | 24.4248% | 130 |
| Core capital (leverage) ratio | 24.4710% | 121 |
| Tier 1 risk-based capital ratio | 48.6214% | 153 |
| Total risk-based capital ratio | 49.2015% | 154 |
| Memoranda: | ||
| Average total assets | $97,158,330 | 5,044 |
| Average earning assets | $85,232,670 | 5,148 |
| Average equity | $24,528,670 | 2,603 |
| Average total loans | $46,558,670 | 5,496 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 5,849 |
| Cost of funding earning assets | 0.9922% | 4,254 |
| Net interest margin | 3.3582% | 5,586 |
| Noninterest income to average assets | 0.4237% | 4,503 |
| Noninterest expense to average assets | 3.2808% | 2,617 |
| Loan and lease loss provision to assets | 0.0042% | 5,812 |
| Net operating income to assets | 0.0923% | 6,115 |
| Return on assets (ROA) | 0.0923% | 6,166 |
| Pretax return on assets | 0.0923% | 6,188 |
| Return on Equity (ROE) | 0.3594% | 6,292 |
| Retained earnings to average equity (ytd only) | 0.3594% | 5,672 |
| Net charge-offs to loans | 0.0612% | 4,316 |
| Credit loss provision to net charge-offs | 14.2857% | 4,341 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 2,789 |
| Efficiency ratio | 97.1429% | 870 |
| Assets per employee ($millions) | 4.2554% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5973% | 7,206 |
| Loan loss allowance to noncurrent loans | 13,800.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 7,211 |
| Noncurrent loans to loans | 0.0043% | 7,080 |
| Net loans and leases to total assets | 46.9262% | 6,201 |
| Net loans and leases to deposits | 62.7120% | 5,420 |
| Net loans and leases to core deposits | 66.4107% | 5,466 |
| Total domestic deposits to total assets | 74.8281% | 6,820 |
| Equity capital to assets | 25.0176% | 118 |
| Core capital (leverage) ratio | 25.7811% | 104 |
| Tier 1 risk-based capital ratio | 50.3488% | 144 |
| Total risk-based capital ratio | 50.9185% | 144 |
| Memoranda: | ||
| Average total assets | $95,344,000 | 5,123 |
| Average earning assets | $83,854,000 | 5,237 |
| Average equity | $24,484,500 | 2,597 |
| Average total loans | $45,763,500 | 5,571 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0361% | 4,385 |
| Cost of funding earning assets | 1.0097% | 5,645 |
| Net interest margin | 4.0263% | 2,901 |
| Noninterest income to average assets | 0.3651% | 5,188 |
| Noninterest expense to average assets | 3.7712% | 1,541 |
| Loan and lease loss provision to assets | 0.0694% | 6,452 |
| Net operating income to assets | 0.0475% | 5,705 |
| Return on assets (ROA) | 0.0718% | 5,792 |
| Pretax return on assets | 0.0718% | 5,754 |
| Return on Equity (ROE) | 0.2394% | 5,894 |
| Retained earnings to average equity (ytd only) | 0.2394% | 5,455 |
| Net charge-offs to loans | 0.0460% | 6,344 |
| Credit loss provision to net charge-offs | 285.0000% | 955 |
| Earnings coverage of net charge-offs (x) | 4.8000% | 2,800 |
| Efficiency ratio | 96.9953% | 923 |
| Assets per employee ($millions) | 4.0353% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6222% | 7,235 |
| Loan loss allowance to noncurrent loans | 28,200.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 6,873 |
| Noncurrent loans to loans | 0.0022% | 7,168 |
| Net loans and leases to total assets | 48.5277% | 6,333 |
| Net loans and leases to deposits | 66.0285% | 5,395 |
| Net loans and leases to core deposits | 70.2137% | 5,427 |
| Total domestic deposits to total assets | 73.4951% | 6,947 |
| Equity capital to assets | 26.3788% | 108 |
| Core capital (leverage) ratio | 26.8448% | 106 |
| Tier 1 risk-based capital ratio | 51.4593% | 139 |
| Total risk-based capital ratio | 52.0548% | 141 |
| Memoranda: | ||
| Average total assets | $82,174,800 | 5,524 |
| Average earning assets | $71,901,400 | 5,606 |
| Average equity | $24,649,000 | 2,587 |
| Average total loans | $43,497,200 | 5,771 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1595% | 4,034 |
| Cost of funding earning assets | 1.0008% | 5,937 |
| Net interest margin | 4.1587% | 2,369 |
| Noninterest income to average assets | 0.3706% | 5,193 |
| Noninterest expense to average assets | 3.7828% | 1,403 |
| Loan and lease loss provision to assets | 0.0738% | 6,318 |
| Net operating income to assets | 0.1442% | 5,653 |
| Return on assets (ROA) | 0.1442% | 5,815 |
| Pretax return on assets | 0.1442% | 5,844 |
| Return on Equity (ROE) | 0.4644% | 6,019 |
| Retained earnings to average equity (ytd only) | 0.4644% | 5,612 |
| Net charge-offs to loans | 0.0743% | 5,777 |
| Credit loss provision to net charge-offs | 183.3333% | 1,979 |
| Earnings coverage of net charge-offs (x) | 5.4166% | 2,750 |
| Efficiency ratio | 94.5516% | 973 |
| Assets per employee ($millions) | 3.8604% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5834% | 7,371 |
| Loan loss allowance to noncurrent loans | 26,500.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 6,982 |
| Noncurrent loans to loans | 0.0022% | 7,273 |
| Net loans and leases to total assets | 50.8627% | 6,233 |
| Net loans and leases to deposits | 70.7941% | 5,037 |
| Net loans and leases to core deposits | 74.5059% | 5,230 |
| Total domestic deposits to total assets | 71.8459% | 7,147 |
| Equity capital to assets | 27.8049% | 101 |
| Core capital (leverage) ratio | 28.5332% | 93 |
| Tier 1 risk-based capital ratio | 51.4145% | 149 |
| Total risk-based capital ratio | 51.9732% | 151 |
| Memoranda: | ||
| Average total assets | $79,515,250 | 5,674 |
| Average earning assets | $69,410,500 | 5,756 |
| Average equity | $24,690,500 | 2,629 |
| Average total loans | $43,041,000 | 5,873 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2987% | 3,477 |
| Cost of funding earning assets | 0.9890% | 6,200 |
| Net interest margin | 4.3097% | 1,736 |
| Noninterest income to average assets | 0.3742% | 5,134 |
| Noninterest expense to average assets | 3.8077% | 1,350 |
| Loan and lease loss provision to assets | 0.0968% | 5,942 |
| Net operating income to assets | 0.2329% | 5,447 |
| Return on assets (ROA) | 0.2329% | 5,584 |
| Pretax return on assets | 0.2329% | 5,697 |
| Return on Equity (ROE) | 0.7209% | 6,024 |
| Retained earnings to average equity (ytd only) | 0.7209% | 5,474 |
| Net charge-offs to loans | 0.0663% | 5,478 |
| Credit loss provision to net charge-offs | 264.2857% | 1,436 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,065 |
| Efficiency ratio | 92.0304% | 1,186 |
| Assets per employee ($millions) | 3.7589% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6146% | 7,388 |
| Loan loss allowance to noncurrent loans | 203.0303% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 6,985 |
| Noncurrent loans to loans | 0.3027% | 6,618 |
| Net loans and leases to total assets | 52.4100% | 6,170 |
| Net loans and leases to deposits | 75.1561% | 4,491 |
| Net loans and leases to core deposits | 81.1234% | 4,538 |
| Total domestic deposits to total assets | 69.7349% | 7,344 |
| Equity capital to assets | 29.9035% | 85 |
| Core capital (leverage) ratio | 31.4500% | 75 |
| Tier 1 risk-based capital ratio | 53.7444% | 139 |
| Total risk-based capital ratio | 54.3351% | 140 |
| Memoranda: | ||
| Average total assets | $76,423,670 | 5,791 |
| Average earning assets | $66,733,670 | 5,876 |
| Average equity | $24,691,330 | 2,623 |
| Average total loans | $42,246,000 | 5,944 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4787% | 2,695 |
| Cost of funding earning assets | 1.0035% | 6,360 |
| Net interest margin | 4.4752% | 1,199 |
| Noninterest income to average assets | 0.3930% | 4,969 |
| Noninterest expense to average assets | 3.7769% | 1,359 |
| Loan and lease loss provision to assets | 0.0819% | 5,821 |
| Net operating income to assets | 0.4530% | 4,604 |
| Return on assets (ROA) | 0.4530% | 4,730 |
| Pretax return on assets | 0.4530% | 5,120 |
| Return on Equity (ROE) | 1.3456% | 6,019 |
| Retained earnings to average equity (ytd only) | 1.3456% | 5,272 |
| Net charge-offs to loans | 0.1540% | 4,002 |
| Credit loss provision to net charge-offs | 93.7500% | 3,569 |
| Earnings coverage of net charge-offs (x) | 6.1250% | 2,278 |
| Efficiency ratio | 87.5949% | 1,633 |
| Assets per employee ($millions) | 3.5774% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5779% | 7,527 |
| Loan loss allowance to noncurrent loans | 182.0896% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 7,025 |
| Noncurrent loans to loans | 0.3174% | 6,671 |
| Net loans and leases to total assets | 55.8755% | 5,760 |
| Net loans and leases to deposits | 83.6979% | 2,989 |
| Net loans and leases to core deposits | 91.3119% | 3,200 |
| Total domestic deposits to total assets | 66.7585% | 7,585 |
| Equity capital to assets | 32.8821% | 71 |
| Core capital (leverage) ratio | 33.1691% | 71 |
| Tier 1 risk-based capital ratio | 53.1001% | 136 |
| Total risk-based capital ratio | 53.6317% | 138 |
| Memoranda: | ||
| Average total assets | $73,287,500 | 5,955 |
| Average earning assets | $64,175,500 | 6,029 |
| Average equity | $24,672,500 | 2,643 |
| Average total loans | $41,564,500 | 6,046 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6748% | 3,228 |
| Cost of funding earning assets | 1.0355% | 7,135 |
| Net interest margin | 4.6394% | 919 |
| Noninterest income to average assets | 0.3492% | 5,596 |
| Noninterest expense to average assets | 4.1837% | 1,114 |
| Loan and lease loss provision to assets | 0.1640% | 6,048 |
| Net operating income to assets | 0.0910% | 5,234 |
| Return on assets (ROA) | 0.3183% | 4,546 |
| Pretax return on assets | 0.3183% | 4,710 |
| Return on Equity (ROE) | 0.8000% | 5,291 |
| Retained earnings to average equity (ytd only) | 0.8000% | 4,453 |
| Net charge-offs to loans | 0.0240% | 6,903 |
| Credit loss provision to net charge-offs | 1,262.5000% | 244 |
| Earnings coverage of net charge-offs (x) | 19.6250% | 1,071 |
| Efficiency ratio | 94.2554% | 1,398 |
| Assets per employee ($millions) | 4.2029% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5989% | 7,555 |
| Loan loss allowance to noncurrent loans | 644.7368% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 7,365 |
| Noncurrent loans to loans | 0.0929% | 7,178 |
| Net loans and leases to total assets | 56.9119% | 5,834 |
| Net loans and leases to deposits | 87.3309% | 2,675 |
| Net loans and leases to core deposits | 127.7787% | 1,403 |
| Total domestic deposits to total assets | 65.1682% | 7,670 |
| Equity capital to assets | 34.4889% | 81 |
| Core capital (leverage) ratio | 34.5561% | 79 |
| Tier 1 risk-based capital ratio | 52.4276% | 147 |
| Total risk-based capital ratio | 52.9565% | 148 |
| Memoranda: | ||
| Average total assets | $61,571,600 | 6,291 |
| Average earning assets | $54,274,600 | 6,364 |
| Average equity | $24,498,600 | 2,662 |
| Average total loans | $33,323,600 | 6,440 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7279% | 3,199 |
| Cost of funding earning assets | 1.0254% | 7,330 |
| Net interest margin | 4.7025% | 824 |
| Noninterest income to average assets | 0.3429% | 5,754 |
| Noninterest expense to average assets | 4.4712% | 768 |
| Loan and lease loss provision to assets | 0.2278% | 5,151 |
| Net operating income to assets | -0.2075% | 6,076 |
| Return on assets (ROA) | 0.1083% | 5,495 |
| Pretax return on assets | 0.1083% | 5,506 |
| Return on Equity (ROE) | 0.2616% | 5,697 |
| Retained earnings to average equity (ytd only) | 0.2616% | 5,090 |
| Net charge-offs to loans | 0.0127% | 6,741 |
| Credit loss provision to net charge-offs | 3,366.6667% | 123 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,734 |
| Efficiency ratio | 99.5480% | 1,081 |
| Assets per employee ($millions) | 3.9930% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6647% | 7,455 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 7,555 |
| Noncurrent loans to loans | 0.0266% | 7,457 |
| Net loans and leases to total assets | 55.0419% | 6,263 |
| Net loans and leases to deposits | 86.9392% | 3,152 |
| Net loans and leases to core deposits | 128.0081% | 1,579 |
| Total domestic deposits to total assets | 63.3108% | 7,793 |
| Equity capital to assets | 36.1368% | 85 |
| Core capital (leverage) ratio | 37.4996% | 84 |
| Tier 1 risk-based capital ratio | 56.3769% | 130 |
| Total risk-based capital ratio | 56.9610% | 132 |
| Memoranda: | ||
| Average total assets | $59,102,250 | 6,420 |
| Average earning assets | $52,141,000 | 6,492 |
| Average equity | $24,462,750 | 2,696 |
| Average total loans | $31,427,500 | 6,603 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7538% | 3,278 |
| Cost of funding earning assets | 1.0192% | 7,510 |
| Net interest margin | 4.7346% | 756 |
| Noninterest income to average assets | 0.3275% | 5,895 |
| Noninterest expense to average assets | 4.5215% | 762 |
| Loan and lease loss provision to assets | 0.3097% | 4,093 |
| Net operating income to assets | -0.3525% | 6,401 |
| Return on assets (ROA) | 0.1460% | 5,525 |
| Pretax return on assets | 0.1460% | 5,575 |
| Return on Equity (ROE) | 0.3355% | 5,831 |
| Retained earnings to average equity (ytd only) | 0.3355% | 5,085 |
| Net charge-offs to loans | 0.0068% | 6,502 |
| Credit loss provision to net charge-offs | 8,700.0000% | 55 |
| Earnings coverage of net charge-offs (x) | -12.0000% | 6,539 |
| Efficiency ratio | 100.9539% | 1,130 |
| Assets per employee ($millions) | 3.5966% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6820% | 7,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 56.6868% | 6,125 |
| Net loans and leases to deposits | 95.1335% | 1,928 |
| Net loans and leases to core deposits | 148.8576% | 682 |
| Total domestic deposits to total assets | 59.5865% | 7,942 |
| Equity capital to assets | 39.9441% | 85 |
| Core capital (leverage) ratio | 41.4470% | 85 |
| Tier 1 risk-based capital ratio | 52.8811% | 159 |
| Total risk-based capital ratio | 53.4029% | 165 |
| Memoranda: | ||
| Average total assets | $56,176,000 | 6,584 |
| Average earning assets | $49,254,330 | 6,663 |
| Average equity | $24,440,330 | 2,703 |
| Average total loans | $29,365,670 | 6,771 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6753% | 3,919 |
| Cost of funding earning assets | 1.0055% | 7,664 |
| Net interest margin | 4.6698% | 819 |
| Noninterest income to average assets | 0.3054% | 5,998 |
| Noninterest expense to average assets | 4.8647% | 530 |
| Loan and lease loss provision to assets | 0.3948% | 2,960 |
| Net operating income to assets | -0.8716% | 7,167 |
| Return on assets (ROA) | 0.1713% | 5,915 |
| Pretax return on assets | 0.1713% | 6,009 |
| Return on Equity (ROE) | 0.3763% | 6,317 |
| Retained earnings to average equity (ytd only) | 0.3763% | 5,509 |
| Net charge-offs to loans | 0.0150% | 5,374 |
| Credit loss provision to net charge-offs | 5,300.0000% | 139 |
| Earnings coverage of net charge-offs (x) | -64.0000% | 5,702 |
| Efficiency ratio | 110.8659% | 788 |
| Assets per employee ($millions) | 3.2368% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6831% | 7,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 53.6346% | 6,513 |
| Net loans and leases to deposits | 97.5765% | 1,720 |
| Net loans and leases to core deposits | 145.9955% | 860 |
| Total domestic deposits to total assets | 54.9667% | 8,060 |
| Equity capital to assets | 44.3136% | 81 |
| Core capital (leverage) ratio | 45.3217% | 84 |
| Tier 1 risk-based capital ratio | 74.1163% | 101 |
| Total risk-based capital ratio | 74.7408% | 101 |
| Memoranda: | ||
| Average total assets | $53,692,500 | 6,719 |
| Average earning assets | $46,940,000 | 6,799 |
| Average equity | $24,449,000 | 2,713 |
| Average total loans | $26,599,500 | 6,971 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1510% | 7,722 |
| Cost of funding earning assets | 1.2043% | 7,941 |
| Net interest margin | 3.9467% | 3,381 |
| Noninterest income to average assets | 0.2228% | 6,849 |
| Noninterest expense to average assets | 4.0849% | 1,303 |
| Loan and lease loss provision to assets | 0.1761% | 5,142 |
| Net operating income to assets | -0.4499% | 6,877 |
| Return on assets (ROA) | -0.4499% | 6,756 |
| Pretax return on assets | -0.4499% | 6,605 |
| Return on Equity (ROE) | -0.8705% | 6,346 |
| Retained earnings to average equity (ytd only) | -0.8705% | 5,559 |
| Net charge-offs to loans | 0.0123% | 6,745 |
| Credit loss provision to net charge-offs | 4,150.0000% | 126 |
| Earnings coverage of net charge-offs (x) | -64.5000% | 6,997 |
| Efficiency ratio | 107.1826% | 779 |
| Assets per employee ($millions) | 3.4906% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6430% | 7,566 |
| Loan loss allowance to noncurrent loans | 3,775.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 7,610 |
| Noncurrent loans to loans | 0.0170% | 7,464 |
| Net loans and leases to total assets | 44.5616% | 7,432 |
| Net loans and leases to deposits | 86.2423% | 4,081 |
| Net loans and leases to core deposits | 123.8626% | 2,336 |
| Total domestic deposits to total assets | 51.6702% | 8,112 |
| Equity capital to assets | 46.8191% | 83 |
| Core capital (leverage) ratio | 47.9698% | 84 |
| Tier 1 risk-based capital ratio | 84.4386% | 95 |
| Total risk-based capital ratio | 84.9684% | 94 |
| Memoranda: | ||
| Average total assets | $47,125,000 | 6,895 |
| Average earning assets | $42,846,400 | 6,905 |
| Average equity | $24,354,400 | 2,702 |
| Average total loans | $16,241,000 | 7,571 |