Home > Liberty First Bank > Performance and Condition Ratios
Liberty First Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0118% | 3,979 |
| Cost of funding earning assets | 0.2887% | 2,699 |
| Net interest margin | 2.7231% | 3,927 |
| Noninterest income to average assets | 0.2977% | 3,661 |
| Noninterest expense to average assets | 3.4564% | 484 |
| Loan and lease loss provision to assets | -0.0580% | 4,479 |
| Net operating income to assets | -0.5318% | 4,831 |
| Return on assets (ROA) | -0.3540% | 4,822 |
| Pretax return on assets | -0.3540% | 4,819 |
| Return on Equity (ROE) | -4.3730% | 4,836 |
| Retained earnings to average equity (ytd only) | -9.3083% | 4,840 |
| Net charge-offs to loans | -0.0055% | 3,462 |
| Credit loss provision to net charge-offs | 2,666.6667% | 262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5645% | 71 |
| Assets per employee ($millions) | 8.7660% | 972 |
| Cash dividends to net income (ytd only)* | -112.8571% | 4,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 1,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 37.0464% | 4,337 |
| Net loans and leases to deposits | 39.8951% | 4,451 |
| Net loans and leases to core deposits | 41.4814% | 4,468 |
| Total domestic deposits to total assets | 92.8593% | 41 |
| Equity capital to assets | 6.9556% | 4,815 |
| Core capital (leverage) ratio | 7.8083% | 4,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,542,750 | 3,208 |
| Average earning assets | $174,108,000 | 3,175 |
| Average equity | $14,939,750 | 3,691 |
| Average total loans | $72,637,500 | 3,657 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0390% | 3,975 |
| Cost of funding earning assets | 0.3158% | 2,635 |
| Net interest margin | 2.7232% | 3,936 |
| Noninterest income to average assets | 0.2608% | 3,833 |
| Noninterest expense to average assets | 2.2248% | 2,998 |
| Loan and lease loss provision to assets | -0.0880% | 4,601 |
| Net operating income to assets | 0.6954% | 3,774 |
| Return on assets (ROA) | 0.9660% | 3,094 |
| Pretax return on assets | 0.9660% | 3,509 |
| Return on Equity (ROE) | 11.3669% | 2,280 |
| Retained earnings to average equity (ytd only) | 4.2076% | 3,456 |
| Net charge-offs to loans | -0.0055% | 3,464 |
| Credit loss provision to net charge-offs | 4,000.0000% | 168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5548% | 883 |
| Assets per employee ($millions) | 8.7230% | 943 |
| Cash dividends to net income (ytd only)* | 62.9841% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 1,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 1,584 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 39.0678% | 4,327 |
| Net loans and leases to deposits | 42.6034% | 4,438 |
| Net loans and leases to core deposits | 44.3239% | 4,449 |
| Total domestic deposits to total assets | 91.7011% | 191 |
| Equity capital to assets | 8.0149% | 4,523 |
| Core capital (leverage) ratio | 8.8312% | 3,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,772,667 | 3,243 |
| Average earning assets | $171,633,333 | 3,202 |
| Average equity | $15,448,333 | 3,639 |
| Average total loans | $72,677,000 | 3,674 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9951% | 4,095 |
| Cost of funding earning assets | 0.3459% | 2,561 |
| Net interest margin | 2.6492% | 4,059 |
| Noninterest income to average assets | 0.2648% | 3,811 |
| Noninterest expense to average assets | 2.2410% | 2,970 |
| Loan and lease loss provision to assets | -0.1811% | 4,799 |
| Net operating income to assets | 0.7017% | 3,699 |
| Return on assets (ROA) | 1.0481% | 2,727 |
| Pretax return on assets | 1.0481% | 3,236 |
| Return on Equity (ROE) | 11.9623% | 2,030 |
| Retained earnings to average equity (ytd only) | -2.3253% | 4,561 |
| Net charge-offs to loans | -0.0056% | 3,437 |
| Credit loss provision to net charge-offs | 8,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1475% | 747 |
| Assets per employee ($millions) | 7.9403% | 1,222 |
| Cash dividends to net income (ytd only)* | 119.4384% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 1,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5498% | 1,723 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 38.8872% | 4,387 |
| Net loans and leases to deposits | 42.2916% | 4,486 |
| Net loans and leases to core deposits | 44.0098% | 4,497 |
| Total domestic deposits to total assets | 91.9503% | 155 |
| Equity capital to assets | 7.7902% | 4,600 |
| Core capital (leverage) ratio | 8.9685% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,706,500 | 3,271 |
| Average earning assets | $166,539,000 | 3,242 |
| Average equity | $15,482,000 | 3,638 |
| Average total loans | $70,992,500 | 3,713 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8132% | 3,261 |
| Cost of funding earning assets | 0.5781% | 2,462 |
| Net interest margin | 3.2352% | 3,261 |
| Noninterest income to average assets | 0.2781% | 3,816 |
| Noninterest expense to average assets | 2.3766% | 3,186 |
| Loan and lease loss provision to assets | 0.0295% | 4,029 |
| Net operating income to assets | 0.8933% | 2,727 |
| Return on assets (ROA) | 0.9925% | 2,463 |
| Pretax return on assets | 0.9925% | 3,068 |
| Return on Equity (ROE) | 9.7923% | 2,078 |
| Retained earnings to average equity (ytd only) | 4.4037% | 2,591 |
| Net charge-offs to loans | -0.0039% | 4,076 |
| Credit loss provision to net charge-offs | -1,566.6667% | 4,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0320% | 1,676 |
| Assets per employee ($millions) | 7.4254% | 1,327 |
| Cash dividends to net income (ytd only)* | 55.0285% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6468% | 1,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 1,792 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 40.2512% | 4,430 |
| Net loans and leases to deposits | 44.7481% | 4,502 |
| Net loans and leases to core deposits | 46.7465% | 4,522 |
| Total domestic deposits to total assets | 89.9505% | 586 |
| Equity capital to assets | 9.8000% | 3,317 |
| Core capital (leverage) ratio | 9.8226% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,300,000 | 3,294 |
| Average earning assets | $148,771,600 | 3,282 |
| Average equity | $16,145,400 | 3,536 |
| Average total loans | $76,648,000 | 3,616 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0189% | 2,917 |
| Cost of funding earning assets | 0.6247% | 2,461 |
| Net interest margin | 3.3942% | 2,942 |
| Noninterest income to average assets | 0.2804% | 3,808 |
| Noninterest expense to average assets | 2.3618% | 3,249 |
| Loan and lease loss provision to assets | 0.0403% | 3,847 |
| Net operating income to assets | 1.0416% | 2,184 |
| Return on assets (ROA) | 1.1183% | 2,040 |
| Pretax return on assets | 1.1183% | 2,681 |
| Return on Equity (ROE) | 10.9348% | 1,704 |
| Retained earnings to average equity (ytd only) | 3.6838% | 3,201 |
| Net charge-offs to loans | -0.0034% | 3,972 |
| Credit loss provision to net charge-offs | -2,350.0000% | 4,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5891% | 2,097 |
| Assets per employee ($millions) | 7.5728% | 1,172 |
| Cash dividends to net income (ytd only)* | 66.3110% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 1,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 1,922 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 45.4403% | 4,343 |
| Net loans and leases to deposits | 50.7145% | 4,463 |
| Net loans and leases to core deposits | 53.3296% | 4,479 |
| Total domestic deposits to total assets | 89.6003% | 552 |
| Equity capital to assets | 9.9843% | 3,237 |
| Core capital (leverage) ratio | 9.6379% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,428,750 | 3,299 |
| Average earning assets | $145,775,750 | 3,296 |
| Average equity | $15,997,500 | 3,554 |
| Average total loans | $78,336,500 | 3,604 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 2,890 |
| Cost of funding earning assets | 0.6882% | 2,460 |
| Net interest margin | 3.4691% | 2,889 |
| Noninterest income to average assets | 0.2810% | 3,786 |
| Noninterest expense to average assets | 2.3981% | 3,266 |
| Loan and lease loss provision to assets | 0.0327% | 3,856 |
| Net operating income to assets | 1.0716% | 2,067 |
| Return on assets (ROA) | 1.0952% | 2,104 |
| Pretax return on assets | 1.0952% | 2,720 |
| Return on Equity (ROE) | 10.6175% | 1,765 |
| Retained earnings to average equity (ytd only) | -0.4054% | 4,384 |
| Net charge-offs to loans | -0.0025% | 3,859 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4701% | 2,173 |
| Assets per employee ($millions) | 8.2088% | 898 |
| Cash dividends to net income (ytd only)* | 103.8186% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 1,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6115% | 1,973 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 46.8394% | 4,320 |
| Net loans and leases to deposits | 52.2856% | 4,435 |
| Net loans and leases to core deposits | 54.9169% | 4,467 |
| Total domestic deposits to total assets | 89.5837% | 538 |
| Equity capital to assets | 10.1141% | 3,102 |
| Core capital (leverage) ratio | 9.4952% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,038,000 | 3,323 |
| Average earning assets | $142,110,333 | 3,323 |
| Average equity | $15,785,333 | 3,572 |
| Average total loans | $78,830,667 | 3,597 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2630% | 3,027 |
| Cost of funding earning assets | 0.8209% | 2,274 |
| Net interest margin | 3.4421% | 3,176 |
| Noninterest income to average assets | 0.2957% | 3,755 |
| Noninterest expense to average assets | 2.5741% | 3,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9060% | 2,503 |
| Return on assets (ROA) | 0.9548% | 2,436 |
| Pretax return on assets | 0.9548% | 2,985 |
| Return on Equity (ROE) | 9.1574% | 2,045 |
| Retained earnings to average equity (ytd only) | -13.4760% | 4,863 |
| Net charge-offs to loans | 0.0050% | 2,396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 334.0000% | 207 |
| Efficiency ratio | 73.9673% | 1,822 |
| Assets per employee ($millions) | 7.7647% | 811 |
| Cash dividends to net income (ytd only)* | 247.1591% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 1,696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6465% | 2,067 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 49.8909% | 4,248 |
| Net loans and leases to deposits | 55.4544% | 4,388 |
| Net loans and leases to core deposits | 57.9501% | 4,435 |
| Total domestic deposits to total assets | 89.9674% | 333 |
| Equity capital to assets | 9.7564% | 3,989 |
| Core capital (leverage) ratio | 10.5489% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,469,000 | 3,358 |
| Average earning assets | $136,429,500 | 3,363 |
| Average equity | $15,375,500 | 3,621 |
| Average total loans | $79,233,000 | 3,597 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 1,449 |
| Cost of funding earning assets | 1.0782% | 1,410 |
| Net interest margin | 3.9318% | 2,064 |
| Noninterest income to average assets | 0.3551% | 3,578 |
| Noninterest expense to average assets | 2.8986% | 2,301 |
| Loan and lease loss provision to assets | 0.0251% | 3,517 |
| Net operating income to assets | 1.0336% | 2,720 |
| Return on assets (ROA) | 1.0698% | 2,676 |
| Pretax return on assets | 1.0698% | 3,261 |
| Return on Equity (ROE) | 9.7337% | 2,424 |
| Retained earnings to average equity (ytd only) | 3.0162% | 3,521 |
| Net charge-offs to loans | 0.0023% | 3,613 |
| Credit loss provision to net charge-offs | 1,700.0000% | 218 |
| Earnings coverage of net charge-offs (x) | 717.0000% | 143 |
| Efficiency ratio | 73.2463% | 1,694 |
| Assets per employee ($millions) | 6.3475% | 1,389 |
| Cash dividends to net income (ytd only)* | 69.0131% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 1,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 1,805 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 56.4202% | 3,894 |
| Net loans and leases to deposits | 63.6959% | 4,094 |
| Net loans and leases to core deposits | 67.6466% | 4,101 |
| Total domestic deposits to total assets | 88.5775% | 853 |
| Equity capital to assets | 11.1712% | 2,844 |
| Core capital (leverage) ratio | 11.6748% | 1,982 |
| Tier 1 risk-based capital ratio | 17.2314% | 1,990 |
| Total risk-based capital ratio | 18.4426% | 1,935 |
| Memoranda: | ||
| Average total assets | $135,445,000 | 3,500 |
| Average earning assets | $124,091,200 | 3,503 |
| Average equity | $14,886,400 | 3,649 |
| Average total loans | $86,386,800 | 3,477 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1222% | 1,239 |
| Cost of funding earning assets | 1.1078% | 1,317 |
| Net interest margin | 4.0144% | 1,891 |
| Noninterest income to average assets | 0.3651% | 3,531 |
| Noninterest expense to average assets | 2.9306% | 2,161 |
| Loan and lease loss provision to assets | 0.0337% | 3,233 |
| Net operating income to assets | 1.0714% | 2,684 |
| Return on assets (ROA) | 1.1191% | 2,586 |
| Pretax return on assets | 1.1191% | 3,243 |
| Return on Equity (ROE) | 10.2255% | 2,344 |
| Retained earnings to average equity (ytd only) | 1.1603% | 4,523 |
| Net charge-offs to loans | 0.0045% | 3,240 |
| Credit loss provision to net charge-offs | 1,133.3333% | 314 |
| Earnings coverage of net charge-offs (x) | 371.3250% | 268 |
| Efficiency ratio | 72.6155% | 1,748 |
| Assets per employee ($millions) | 6.0836% | 1,545 |
| Cash dividends to net income (ytd only)* | 88.6526% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 1,828 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 63.7627% | 3,307 |
| Net loans and leases to deposits | 74.0021% | 3,472 |
| Net loans and leases to core deposits | 78.7131% | 3,490 |
| Total domestic deposits to total assets | 86.1633% | 1,917 |
| Equity capital to assets | 11.3606% | 2,788 |
| Core capital (leverage) ratio | 11.3716% | 2,324 |
| Tier 1 risk-based capital ratio | 15.3523% | 2,686 |
| Total risk-based capital ratio | 16.4530% | 2,686 |
| Memoranda: | ||
| Average total assets | $134,395,000 | 3,550 |
| Average earning assets | $122,887,250 | 3,561 |
| Average equity | $14,708,000 | 3,693 |
| Average total loans | $88,011,500 | 3,484 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0533% | 1,343 |
| Cost of funding earning assets | 1.1079% | 1,268 |
| Net interest margin | 3.9454% | 2,108 |
| Noninterest income to average assets | 0.3686% | 3,475 |
| Noninterest expense to average assets | 2.9291% | 2,197 |
| Loan and lease loss provision to assets | 0.0431% | 2,960 |
| Net operating income to assets | 0.9897% | 2,959 |
| Return on assets (ROA) | 1.0046% | 2,973 |
| Pretax return on assets | 1.0046% | 3,527 |
| Return on Equity (ROE) | 9.2970% | 2,730 |
| Retained earnings to average equity (ytd only) | -4.4560% | 5,033 |
| Net charge-offs to loans | -0.0068% | 4,206 |
| Credit loss provision to net charge-offs | -966.6667% | 4,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9310% | 1,656 |
| Assets per employee ($millions) | 6.3026% | 1,334 |
| Cash dividends to net income (ytd only)* | 147.9290% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,148 |
| Loan loss allowance to noncurrent loans | 15,714.2857% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.7291% | 1,896 |
| Noncurrent loans to loans | 0.0081% | 4,687 |
| Net loans and leases to total assets | 61.8017% | 3,564 |
| Net loans and leases to deposits | 69.5312% | 3,875 |
| Net loans and leases to core deposits | 83.3354% | 3,170 |
| Total domestic deposits to total assets | 88.8834% | 711 |
| Equity capital to assets | 10.6557% | 3,377 |
| Core capital (leverage) ratio | 11.1205% | 2,489 |
| Tier 1 risk-based capital ratio | 14.7660% | 2,933 |
| Total risk-based capital ratio | 15.8577% | 2,937 |
| Memoranda: | ||
| Average total assets | $134,580,000 | 3,560 |
| Average earning assets | $122,572,330 | 3,589 |
| Average equity | $14,542,330 | 3,715 |
| Average total loans | $88,535,670 | 3,491 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0790% | 1,142 |
| Cost of funding earning assets | 1.1033% | 1,171 |
| Net interest margin | 3.9758% | 1,927 |
| Noninterest income to average assets | 0.3471% | 3,540 |
| Noninterest expense to average assets | 2.9576% | 2,112 |
| Loan and lease loss provision to assets | 0.0423% | 2,792 |
| Net operating income to assets | 0.9688% | 2,976 |
| Return on assets (ROA) | 0.9688% | 3,019 |
| Pretax return on assets | 0.9688% | 3,547 |
| Return on Equity (ROE) | 8.9006% | 2,850 |
| Retained earnings to average equity (ytd only) | -18.8271% | 5,247 |
| Net charge-offs to loans | -0.0045% | 3,993 |
| Credit loss provision to net charge-offs | -1,400.0000% | 3,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5247% | 1,676 |
| Assets per employee ($millions) | 6.3573% | 1,312 |
| Cash dividends to net income (ytd only)* | 311.5265% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,530 |
| Loan loss allowance to noncurrent loans | 447.5207% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.9333% | 1,508 |
| Noncurrent loans to loans | 0.2701% | 3,596 |
| Net loans and leases to total assets | 66.3124% | 3,006 |
| Net loans and leases to deposits | 74.4417% | 3,413 |
| Net loans and leases to core deposits | 89.8416% | 2,521 |
| Total domestic deposits to total assets | 89.0796% | 827 |
| Equity capital to assets | 10.6350% | 3,219 |
| Core capital (leverage) ratio | 11.0470% | 2,531 |
| Tier 1 risk-based capital ratio | 14.7929% | 2,969 |
| Total risk-based capital ratio | 15.8962% | 2,959 |
| Memoranda: | ||
| Average total assets | $132,541,000 | 3,625 |
| Average earning assets | $120,731,500 | 3,648 |
| Average equity | $14,426,000 | 3,746 |
| Average total loans | $89,407,000 | 3,503 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9548% | 1,146 |
| Cost of funding earning assets | 0.6482% | 2,404 |
| Net interest margin | 4.3066% | 1,134 |
| Noninterest income to average assets | 0.3086% | 4,051 |
| Noninterest expense to average assets | 2.9221% | 2,271 |
| Loan and lease loss provision to assets | 0.0771% | 2,585 |
| Net operating income to assets | 1.2647% | 1,931 |
| Return on assets (ROA) | 1.2647% | 1,925 |
| Pretax return on assets | 1.2647% | 2,635 |
| Return on Equity (ROE) | 11.5363% | 1,887 |
| Retained earnings to average equity (ytd only) | 4.6842% | 2,942 |
| Net charge-offs to loans | 0.0273% | 2,864 |
| Credit loss provision to net charge-offs | 412.5000% | 805 |
| Earnings coverage of net charge-offs (x) | 71.7500% | 921 |
| Efficiency ratio | 68.5307% | 2,465 |
| Assets per employee ($millions) | 5.9809% | 1,531 |
| Cash dividends to net income (ytd only)* | 59.3962% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,586 |
| Loan loss allowance to noncurrent loans | 211.9048% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 1.1461% | 1,158 |
| Noncurrent loans to loans | 0.5650% | 2,576 |
| Net loans and leases to total assets | 66.9818% | 3,007 |
| Net loans and leases to deposits | 75.6262% | 3,379 |
| Net loans and leases to core deposits | 95.0509% | 2,135 |
| Total domestic deposits to total assets | 88.5696% | 1,040 |
| Equity capital to assets | 11.1370% | 2,568 |
| Core capital (leverage) ratio | 11.6663% | 1,980 |
| Tier 1 risk-based capital ratio | 15.5146% | 2,614 |
| Total risk-based capital ratio | 16.6047% | 2,599 |
| Memoranda: | ||
| Average total assets | $128,334,200 | 3,671 |
| Average earning assets | $117,866,400 | 3,678 |
| Average equity | $14,068,600 | 3,739 |
| Average total loans | $88,046,200 | 3,513 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9097% | 1,135 |
| Cost of funding earning assets | 0.5381% | 2,943 |
| Net interest margin | 4.3716% | 958 |
| Noninterest income to average assets | 0.2896% | 4,221 |
| Noninterest expense to average assets | 2.9620% | 2,134 |
| Loan and lease loss provision to assets | 0.0774% | 2,411 |
| Net operating income to assets | 1.2766% | 1,943 |
| Return on assets (ROA) | 1.2766% | 1,944 |
| Pretax return on assets | 1.2766% | 2,701 |
| Return on Equity (ROE) | 11.6932% | 1,911 |
| Retained earnings to average equity (ytd only) | 2.4612% | 4,414 |
| Net charge-offs to loans | 0.0380% | 2,321 |
| Credit loss provision to net charge-offs | 296.0000% | 1,035 |
| Earnings coverage of net charge-offs (x) | 51.8038% | 1,150 |
| Efficiency ratio | 68.6289% | 2,420 |
| Assets per employee ($millions) | 5.9163% | 1,557 |
| Cash dividends to net income (ytd only)* | 78.9516% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 2,976 |
| Loan loss allowance to noncurrent loans | 198.0989% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.1755% | 1,195 |
| Noncurrent loans to loans | 0.5747% | 2,654 |
| Net loans and leases to total assets | 69.5219% | 2,721 |
| Net loans and leases to deposits | 81.6658% | 2,858 |
| Net loans and leases to core deposits | 88.8942% | 2,755 |
| Total domestic deposits to total assets | 85.1297% | 2,558 |
| Equity capital to assets | 10.8805% | 2,770 |
| Core capital (leverage) ratio | 11.3968% | 2,249 |
| Tier 1 risk-based capital ratio | 15.1683% | 2,808 |
| Total risk-based capital ratio | 16.2363% | 2,809 |
| Memoranda: | ||
| Average total assets | $127,523,000 | 3,712 |
| Average earning assets | $117,452,000 | 3,730 |
| Average equity | $13,922,250 | 3,782 |
| Average total loans | $87,757,250 | 3,551 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 1,186 |
| Cost of funding earning assets | 0.5063% | 2,965 |
| Net interest margin | 4.3203% | 1,000 |
| Noninterest income to average assets | 0.3459% | 3,861 |
| Noninterest expense to average assets | 2.9642% | 2,154 |
| Loan and lease loss provision to assets | 0.0774% | 2,357 |
| Net operating income to assets | 1.2934% | 1,796 |
| Return on assets (ROA) | 1.2934% | 1,789 |
| Pretax return on assets | 1.2934% | 2,540 |
| Return on Equity (ROE) | 11.8333% | 1,786 |
| Retained earnings to average equity (ytd only) | -2.0950% | 5,155 |
| Net charge-offs to loans | -0.0046% | 4,083 |
| Credit loss provision to net charge-offs | -2,450.0000% | 4,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3789% | 2,578 |
| Assets per employee ($millions) | 6.1634% | 1,359 |
| Cash dividends to net income (ytd only)* | 117.7045% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 2,863 |
| Loan loss allowance to noncurrent loans | 194.4134% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 1.5638% | 832 |
| Noncurrent loans to loans | 0.6037% | 2,603 |
| Net loans and leases to total assets | 67.9196% | 2,884 |
| Net loans and leases to deposits | 78.3391% | 3,120 |
| Net loans and leases to core deposits | 84.7397% | 3,026 |
| Total domestic deposits to total assets | 86.6995% | 1,973 |
| Equity capital to assets | 10.6458% | 2,973 |
| Core capital (leverage) ratio | 11.4241% | 2,137 |
| Tier 1 risk-based capital ratio | 14.9804% | 2,884 |
| Total risk-based capital ratio | 16.0668% | 2,890 |
| Memoranda: | ||
| Average total assets | $126,644,330 | 3,752 |
| Average earning assets | $116,937,000 | 3,759 |
| Average equity | $13,842,330 | 3,817 |
| Average total loans | $86,499,330 | 3,591 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7368% | 1,220 |
| Cost of funding earning assets | 0.4977% | 2,812 |
| Net interest margin | 4.2391% | 1,082 |
| Noninterest income to average assets | 0.3641% | 3,707 |
| Noninterest expense to average assets | 2.9668% | 2,156 |
| Loan and lease loss provision to assets | 0.0798% | 2,184 |
| Net operating income to assets | 1.2615% | 1,771 |
| Return on assets (ROA) | 1.2615% | 1,779 |
| Pretax return on assets | 1.2615% | 2,513 |
| Return on Equity (ROE) | 11.3882% | 1,811 |
| Retained earnings to average equity (ytd only) | -16.4048% | 5,471 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8658% | 2,688 |
| Assets per employee ($millions) | 6.2294% | 1,351 |
| Cash dividends to net income (ytd only)* | 244.0506% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 2,890 |
| Loan loss allowance to noncurrent loans | 189.5717% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 1.6246% | 828 |
| Noncurrent loans to loans | 0.6259% | 2,666 |
| Net loans and leases to total assets | 68.0472% | 2,764 |
| Net loans and leases to deposits | 76.7152% | 3,139 |
| Net loans and leases to core deposits | 81.2486% | 3,215 |
| Total domestic deposits to total assets | 88.7011% | 1,256 |
| Equity capital to assets | 10.7748% | 2,799 |
| Core capital (leverage) ratio | 11.2050% | 2,241 |
| Tier 1 risk-based capital ratio | 15.4440% | 2,682 |
| Total risk-based capital ratio | 16.5692% | 2,670 |
| Memoranda: | ||
| Average total assets | $125,251,000 | 3,808 |
| Average earning assets | $116,535,000 | 3,803 |
| Average equity | $13,874,000 | 3,843 |
| Average total loans | $85,272,500 | 3,646 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,737 |
| Cost of funding earning assets | 0.4943% | 2,382 |
| Net interest margin | 3.9951% | 1,766 |
| Noninterest income to average assets | 0.2750% | 4,483 |
| Noninterest expense to average assets | 2.8012% | 2,774 |
| Loan and lease loss provision to assets | 0.1057% | 2,122 |
| Net operating income to assets | 1.0946% | 1,874 |
| Return on assets (ROA) | 1.0946% | 1,893 |
| Pretax return on assets | 1.0946% | 3,208 |
| Return on Equity (ROE) | 9.9565% | 1,900 |
| Retained earnings to average equity (ytd only) | 2.4873% | 3,840 |
| Net charge-offs to loans | 0.0024% | 4,020 |
| Credit loss provision to net charge-offs | 6,650.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 755.0000% | 111 |
| Efficiency ratio | 70.0040% | 2,545 |
| Assets per employee ($millions) | 6.2958% | 1,320 |
| Cash dividends to net income (ytd only)* | 75.0182% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 2,940 |
| Loan loss allowance to noncurrent loans | 179.2419% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 1.6209% | 815 |
| Noncurrent loans to loans | 0.6537% | 2,585 |
| Net loans and leases to total assets | 66.5179% | 3,033 |
| Net loans and leases to deposits | 75.5730% | 3,370 |
| Net loans and leases to core deposits | 77.6720% | 3,613 |
| Total domestic deposits to total assets | 88.0181% | 1,491 |
| Equity capital to assets | 11.3759% | 2,303 |
| Core capital (leverage) ratio | 11.5418% | 1,917 |
| Tier 1 risk-based capital ratio | 16.2772% | 2,338 |
| Total risk-based capital ratio | 17.3890% | 2,326 |
| Memoranda: | ||
| Average total assets | $125,804,600 | 3,811 |
| Average earning assets | $117,342,400 | 3,799 |
| Average equity | $13,830,200 | 3,867 |
| Average total loans | $82,120,400 | 3,698 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 1,774 |
| Cost of funding earning assets | 0.4911% | 2,345 |
| Net interest margin | 3.9642% | 1,819 |
| Noninterest income to average assets | 0.2428% | 4,751 |
| Noninterest expense to average assets | 2.7869% | 2,777 |
| Loan and lease loss provision to assets | 0.1113% | 1,922 |
| Net operating income to assets | 1.0495% | 2,331 |
| Return on assets (ROA) | 1.0495% | 2,373 |
| Pretax return on assets | 1.0495% | 3,492 |
| Return on Equity (ROE) | 9.6301% | 2,292 |
| Retained earnings to average equity (ytd only) | -0.4183% | 5,273 |
| Net charge-offs to loans | 0.0049% | 3,559 |
| Credit loss provision to net charge-offs | 3,500.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 364.9900% | 256 |
| Efficiency ratio | 70.5961% | 2,437 |
| Assets per employee ($millions) | 6.3948% | 1,251 |
| Cash dividends to net income (ytd only)* | 104.3433% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 3,056 |
| Loan loss allowance to noncurrent loans | 162.5632% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 1.6576% | 875 |
| Noncurrent loans to loans | 0.7232% | 2,547 |
| Net loans and leases to total assets | 63.3590% | 3,508 |
| Net loans and leases to deposits | 71.8320% | 3,791 |
| Net loans and leases to core deposits | 73.7851% | 3,994 |
| Total domestic deposits to total assets | 88.2044% | 1,256 |
| Equity capital to assets | 10.9989% | 2,866 |
| Core capital (leverage) ratio | 11.3463% | 2,148 |
| Tier 1 risk-based capital ratio | 16.1310% | 2,447 |
| Total risk-based capital ratio | 17.2316% | 2,452 |
| Memoranda: | ||
| Average total assets | $125,777,000 | 3,852 |
| Average earning assets | $117,547,750 | 3,831 |
| Average equity | $13,706,750 | 3,925 |
| Average total loans | $81,463,250 | 3,740 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 1,661 |
| Cost of funding earning assets | 0.4880% | 2,267 |
| Net interest margin | 3.9637% | 1,731 |
| Noninterest income to average assets | 0.3454% | 4,079 |
| Noninterest expense to average assets | 2.8432% | 2,607 |
| Loan and lease loss provision to assets | 0.1151% | 1,785 |
| Net operating income to assets | 1.1018% | 1,964 |
| Return on assets (ROA) | 1.1018% | 2,013 |
| Pretax return on assets | 1.1018% | 3,172 |
| Return on Equity (ROE) | 10.1423% | 1,967 |
| Retained earnings to average equity (ytd only) | -5.0638% | 5,537 |
| Net charge-offs to loans | 0.0074% | 3,193 |
| Credit loss provision to net charge-offs | 2,400.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 253.6667% | 335 |
| Efficiency ratio | 70.0276% | 2,667 |
| Assets per employee ($millions) | 6.2637% | 1,277 |
| Cash dividends to net income (ytd only)* | 149.9274% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 3,356 |
| Loan loss allowance to noncurrent loans | 162.7622% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.7618% | 796 |
| Noncurrent loans to loans | 0.7017% | 2,649 |
| Net loans and leases to total assets | 64.3315% | 3,341 |
| Net loans and leases to deposits | 73.0167% | 3,648 |
| Net loans and leases to core deposits | 75.1857% | 3,844 |
| Total domestic deposits to total assets | 88.1052% | 1,408 |
| Equity capital to assets | 10.9888% | 2,818 |
| Core capital (leverage) ratio | 11.0172% | 2,387 |
| Tier 1 risk-based capital ratio | 16.0680% | 2,473 |
| Total risk-based capital ratio | 17.1499% | 2,485 |
| Memoranda: | ||
| Average total assets | $125,071,000 | 3,879 |
| Average earning assets | $117,213,330 | 3,854 |
| Average equity | $13,586,670 | 3,951 |
| Average total loans | $81,285,330 | 3,762 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 1,484 |
| Cost of funding earning assets | 0.4860% | 2,199 |
| Net interest margin | 3.9697% | 1,549 |
| Noninterest income to average assets | 0.3393% | 4,130 |
| Noninterest expense to average assets | 2.8359% | 2,663 |
| Loan and lease loss provision to assets | 0.1152% | 1,663 |
| Net operating income to assets | 1.1011% | 1,862 |
| Return on assets (ROA) | 1.1011% | 1,905 |
| Pretax return on assets | 1.1011% | 2,977 |
| Return on Equity (ROE) | 10.1949% | 1,881 |
| Retained earnings to average equity (ytd only) | -20.4194% | 5,732 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9842% | 2,895 |
| Assets per employee ($millions) | 6.5253% | 1,176 |
| Cash dividends to net income (ytd only)* | 300.2907% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 3,726 |
| Loan loss allowance to noncurrent loans | 146.2541% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.8140% | 778 |
| Noncurrent loans to loans | 0.7507% | 2,610 |
| Net loans and leases to total assets | 65.2487% | 3,082 |
| Net loans and leases to deposits | 73.8641% | 3,420 |
| Net loans and leases to core deposits | 76.0794% | 3,644 |
| Total domestic deposits to total assets | 88.3361% | 1,518 |
| Equity capital to assets | 10.6371% | 3,030 |
| Core capital (leverage) ratio | 10.8969% | 2,483 |
| Tier 1 risk-based capital ratio | 15.6553% | 2,690 |
| Total risk-based capital ratio | 16.6980% | 2,710 |
| Memoranda: | ||
| Average total assets | $124,970,000 | 3,921 |
| Average earning assets | $116,884,000 | 3,899 |
| Average equity | $13,497,000 | 3,989 |
| Average total loans | $81,167,500 | 3,793 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3846% | 1,870 |
| Cost of funding earning assets | 0.5326% | 1,847 |
| Net interest margin | 3.8520% | 2,128 |
| Noninterest income to average assets | 0.3577% | 4,181 |
| Noninterest expense to average assets | 2.6715% | 3,443 |
| Loan and lease loss provision to assets | 0.0903% | 2,557 |
| Net operating income to assets | 1.2138% | 1,456 |
| Return on assets (ROA) | 1.2451% | 1,454 |
| Pretax return on assets | 1.2451% | 2,494 |
| Return on Equity (ROE) | 10.8458% | 1,639 |
| Retained earnings to average equity (ytd only) | 2.7408% | 3,951 |
| Net charge-offs to loans | 0.0026% | 4,178 |
| Credit loss provision to net charge-offs | 5,350.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 773.0000% | 100 |
| Efficiency ratio | 67.1971% | 3,405 |
| Assets per employee ($millions) | 6.9977% | 927 |
| Cash dividends to net income (ytd only)* | 74.7290% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,888 |
| Loan loss allowance to noncurrent loans | 59.1627% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 2.0396% | 665 |
| Noncurrent loans to loans | 1.8090% | 1,048 |
| Net loans and leases to total assets | 63.2579% | 3,441 |
| Net loans and leases to deposits | 72.0510% | 3,707 |
| Net loans and leases to core deposits | 74.2118% | 3,904 |
| Total domestic deposits to total assets | 87.7960% | 1,748 |
| Equity capital to assets | 10.9607% | 2,658 |
| Core capital (leverage) ratio | 12.0787% | 1,555 |
| Tier 1 risk-based capital ratio | 16.7718% | 2,239 |
| Total risk-based capital ratio | 17.7918% | 2,275 |
| Memoranda: | ||
| Average total assets | $118,548,600 | 4,023 |
| Average earning assets | $111,344,400 | 3,987 |
| Average equity | $13,609,000 | 4,006 |
| Average total loans | $77,740,800 | 3,853 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4337% | 1,748 |
| Cost of funding earning assets | 0.5429% | 1,769 |
| Net interest margin | 3.8907% | 2,005 |
| Noninterest income to average assets | 0.3565% | 4,236 |
| Noninterest expense to average assets | 2.7147% | 3,317 |
| Loan and lease loss provision to assets | 0.0788% | 2,642 |
| Net operating income to assets | 1.2145% | 1,588 |
| Return on assets (ROA) | 1.2568% | 1,534 |
| Pretax return on assets | 1.2568% | 2,594 |
| Return on Equity (ROE) | 10.8161% | 1,741 |
| Retained earnings to average equity (ytd only) | -0.0295% | 5,356 |
| Net charge-offs to loans | 0.0035% | 3,807 |
| Credit loss provision to net charge-offs | 3,450.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 565.2809% | 161 |
| Efficiency ratio | 67.7309% | 3,275 |
| Assets per employee ($millions) | 6.1602% | 1,321 |
| Cash dividends to net income (ytd only)* | 100.2727% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 4,145 |
| Loan loss allowance to noncurrent loans | 57.6627% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.1710% | 684 |
| Noncurrent loans to loans | 1.8148% | 1,133 |
| Net loans and leases to total assets | 66.5715% | 3,028 |
| Net loans and leases to deposits | 77.0977% | 3,276 |
| Net loans and leases to core deposits | 79.6292% | 3,485 |
| Total domestic deposits to total assets | 86.3470% | 2,193 |
| Equity capital to assets | 11.9331% | 2,162 |
| Core capital (leverage) ratio | 11.9014% | 1,740 |
| Tier 1 risk-based capital ratio | 17.0382% | 2,212 |
| Total risk-based capital ratio | 18.0558% | 2,248 |
| Memoranda: | ||
| Average total assets | $116,696,000 | 4,076 |
| Average earning assets | $109,522,500 | 4,040 |
| Average equity | $13,559,750 | 4,049 |
| Average total loans | $77,040,750 | 3,903 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 1,616 |
| Cost of funding earning assets | 0.5437% | 1,751 |
| Net interest margin | 3.9246% | 1,898 |
| Noninterest income to average assets | 0.3380% | 4,362 |
| Noninterest expense to average assets | 2.7415% | 3,233 |
| Loan and lease loss provision to assets | 0.0703% | 2,727 |
| Net operating income to assets | 1.2043% | 1,584 |
| Return on assets (ROA) | 1.2678% | 1,479 |
| Pretax return on assets | 1.2678% | 2,529 |
| Return on Equity (ROE) | 11.0101% | 1,641 |
| Retained earnings to average equity (ytd only) | -5.4231% | 5,767 |
| Net charge-offs to loans | -0.0026% | 4,403 |
| Credit loss provision to net charge-offs | -4,100.0000% | 5,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2614% | 3,285 |
| Assets per employee ($millions) | 6.6713% | 1,016 |
| Cash dividends to net income (ytd only)* | 149.2558% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 4,251 |
| Loan loss allowance to noncurrent loans | 78.5644% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.8772% | 897 |
| Noncurrent loans to loans | 1.3309% | 1,690 |
| Net loans and leases to total assets | 66.6755% | 2,983 |
| Net loans and leases to deposits | 77.4703% | 3,212 |
| Net loans and leases to core deposits | 79.6784% | 3,492 |
| Total domestic deposits to total assets | 86.0658% | 2,390 |
| Equity capital to assets | 11.9864% | 2,131 |
| Core capital (leverage) ratio | 11.3208% | 2,126 |
| Tier 1 risk-based capital ratio | 17.0379% | 2,205 |
| Total risk-based capital ratio | 18.0513% | 2,257 |
| Memoranda: | ||
| Average total assets | $116,580,000 | 4,114 |
| Average earning assets | $109,259,000 | 4,072 |
| Average equity | $13,424,000 | 4,087 |
| Average total loans | $76,473,670 | 3,937 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 1,778 |
| Cost of funding earning assets | 0.5375% | 1,810 |
| Net interest margin | 3.8708% | 2,032 |
| Noninterest income to average assets | 0.3521% | 4,207 |
| Noninterest expense to average assets | 2.7724% | 3,178 |
| Loan and lease loss provision to assets | 0.0711% | 2,530 |
| Net operating income to assets | 1.1408% | 1,745 |
| Return on assets (ROA) | 1.2660% | 1,447 |
| Pretax return on assets | 1.2660% | 2,444 |
| Return on Equity (ROE) | 11.2152% | 1,528 |
| Retained earnings to average equity (ytd only) | -21.8607% | 5,981 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5837% | 3,200 |
| Assets per employee ($millions) | 6.6928% | 1,011 |
| Cash dividends to net income (ytd only)* | 294.9198% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 4,563 |
| Loan loss allowance to noncurrent loans | 69.5886% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 2.2097% | 741 |
| Noncurrent loans to loans | 1.4470% | 1,637 |
| Net loans and leases to total assets | 63.4897% | 3,322 |
| Net loans and leases to deposits | 72.8098% | 3,571 |
| Net loans and leases to core deposits | 74.7466% | 3,817 |
| Total domestic deposits to total assets | 87.1993% | 2,103 |
| Equity capital to assets | 10.8168% | 3,145 |
| Core capital (leverage) ratio | 11.1961% | 2,226 |
| Tier 1 risk-based capital ratio | 16.0817% | 2,641 |
| Total risk-based capital ratio | 17.0391% | 2,720 |
| Memoranda: | ||
| Average total assets | $118,164,000 | 4,118 |
| Average earning assets | $110,881,500 | 4,073 |
| Average equity | $13,339,000 | 4,109 |
| Average total loans | $76,502,000 | 3,952 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2738% | 2,299 |
| Cost of funding earning assets | 0.5698% | 1,597 |
| Net interest margin | 3.7040% | 2,736 |
| Noninterest income to average assets | 0.4213% | 3,882 |
| Noninterest expense to average assets | 2.5563% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3344% | 1,192 |
| Return on assets (ROA) | 1.3981% | 1,086 |
| Pretax return on assets | 1.3981% | 1,912 |
| Return on Equity (ROE) | 12.4002% | 1,207 |
| Retained earnings to average equity (ytd only) | 7.5887% | 1,071 |
| Net charge-offs to loans | 0.5069% | 512 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 4.2265% | 3,590 |
| Efficiency ratio | 65.7028% | 3,951 |
| Assets per employee ($millions) | 6.8152% | 956 |
| Cash dividends to net income (ytd only)* | 38.8022% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 4,627 |
| Loan loss allowance to noncurrent loans | 68.2597% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 2.2899% | 712 |
| Noncurrent loans to loans | 1.4642% | 1,595 |
| Net loans and leases to total assets | 64.7197% | 3,162 |
| Net loans and leases to deposits | 76.0716% | 3,241 |
| Net loans and leases to core deposits | 78.0228% | 3,546 |
| Total domestic deposits to total assets | 85.0774% | 3,056 |
| Equity capital to assets | 11.7791% | 2,129 |
| Core capital (leverage) ratio | 11.8778% | 1,700 |
| Tier 1 risk-based capital ratio | 17.5857% | 2,100 |
| Total risk-based capital ratio | 18.5507% | 2,137 |
| Memoranda: | ||
| Average total assets | $114,657,200 | 4,165 |
| Average earning assets | $107,398,000 | 4,104 |
| Average equity | $12,927,200 | 4,157 |
| Average total loans | $71,408,600 | 4,060 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 2,517 |
| Cost of funding earning assets | 0.5723% | 1,604 |
| Net interest margin | 3.6453% | 2,978 |
| Noninterest income to average assets | 0.4932% | 3,415 |
| Noninterest expense to average assets | 2.4741% | 4,275 |
| Loan and lease loss provision to assets | 0.2332% | 776 |
| Net operating income to assets | 1.2021% | 1,642 |
| Return on assets (ROA) | 1.2021% | 1,711 |
| Pretax return on assets | 1.2021% | 2,814 |
| Return on Equity (ROE) | 10.7837% | 1,788 |
| Retained earnings to average equity (ytd only) | 4.2779% | 3,423 |
| Net charge-offs to loans | 0.7110% | 299 |
| Credit loss provision to net charge-offs | 53.3333% | 2,997 |
| Earnings coverage of net charge-offs (x) | 3.2826% | 3,527 |
| Efficiency ratio | 63.2866% | 4,364 |
| Assets per employee ($millions) | 6.7979% | 946 |
| Cash dividends to net income (ytd only)* | 60.3297% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 3,343 |
| Loan loss allowance to noncurrent loans | 39.9323% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 2.0456% | 989 |
| Noncurrent loans to loans | 3.1394% | 539 |
| Net loans and leases to total assets | 64.3418% | 3,248 |
| Net loans and leases to deposits | 75.2530% | 3,396 |
| Net loans and leases to core deposits | 77.1752% | 3,681 |
| Total domestic deposits to total assets | 85.5007% | 2,781 |
| Equity capital to assets | 11.3556% | 2,639 |
| Core capital (leverage) ratio | 11.5545% | 1,997 |
| Tier 1 risk-based capital ratio | 16.9330% | 2,403 |
| Total risk-based capital ratio | 18.1428% | 2,370 |
| Memoranda: | ||
| Average total assets | $114,357,000 | 4,207 |
| Average earning assets | $107,166,750 | 4,158 |
| Average equity | $12,747,250 | 4,229 |
| Average total loans | $70,325,750 | 4,124 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 2,644 |
| Cost of funding earning assets | 0.5748% | 1,610 |
| Net interest margin | 3.5961% | 3,109 |
| Noninterest income to average assets | 0.4002% | 4,080 |
| Noninterest expense to average assets | 2.4641% | 4,354 |
| Loan and lease loss provision to assets | 0.2633% | 639 |
| Net operating income to assets | 1.0215% | 2,282 |
| Return on assets (ROA) | 1.1092% | 1,999 |
| Pretax return on assets | 1.1092% | 3,132 |
| Return on Equity (ROE) | 10.0143% | 2,062 |
| Retained earnings to average equity (ytd only) | 0.1585% | 5,454 |
| Net charge-offs to loans | 0.2796% | 945 |
| Credit loss provision to net charge-offs | 156.2500% | 1,494 |
| Earnings coverage of net charge-offs (x) | 7.6250% | 2,652 |
| Efficiency ratio | 65.7303% | 4,061 |
| Assets per employee ($millions) | 6.9056% | 867 |
| Cash dividends to net income (ytd only)* | 98.4177% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 1,691 |
| Loan loss allowance to noncurrent loans | 33.1075% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 3.9363% | 342 |
| Noncurrent loans to loans | 5.0350% | 225 |
| Net loans and leases to total assets | 58.9420% | 3,987 |
| Net loans and leases to deposits | 69.9017% | 3,941 |
| Net loans and leases to core deposits | 71.5986% | 4,174 |
| Total domestic deposits to total assets | 84.3213% | 3,437 |
| Equity capital to assets | 10.7126% | 3,207 |
| Core capital (leverage) ratio | 11.2941% | 2,166 |
| Tier 1 risk-based capital ratio | 17.2156% | 2,320 |
| Total risk-based capital ratio | 18.4706% | 2,273 |
| Memoranda: | ||
| Average total assets | $113,954,670 | 4,252 |
| Average earning assets | $106,115,330 | 4,220 |
| Average equity | $12,622,000 | 4,276 |
| Average total loans | $68,667,670 | 4,200 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 2,773 |
| Cost of funding earning assets | 0.5813% | 1,570 |
| Net interest margin | 3.5334% | 3,288 |
| Noninterest income to average assets | 0.4099% | 3,922 |
| Noninterest expense to average assets | 2.4663% | 4,388 |
| Loan and lease loss provision to assets | 0.2673% | 594 |
| Net operating income to assets | 0.9908% | 2,306 |
| Return on assets (ROA) | 1.1690% | 1,740 |
| Pretax return on assets | 1.1690% | 2,789 |
| Return on Equity (ROE) | 10.3756% | 1,842 |
| Retained earnings to average equity (ytd only) | -9.3001% | 6,117 |
| Net charge-offs to loans | 0.6488% | 373 |
| Credit loss provision to net charge-offs | 68.1818% | 1,932 |
| Earnings coverage of net charge-offs (x) | 3.2091% | 2,638 |
| Efficiency ratio | 66.2201% | 4,123 |
| Assets per employee ($millions) | 7.5543% | 661 |
| Cash dividends to net income (ytd only)* | 189.6341% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6197% | 1,975 |
| Loan loss allowance to noncurrent loans | 30.3727% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 4.2289% | 340 |
| Noncurrent loans to loans | 5.3328% | 230 |
| Net loans and leases to total assets | 58.1053% | 3,931 |
| Net loans and leases to deposits | 67.6288% | 3,990 |
| Net loans and leases to core deposits | 69.2957% | 4,224 |
| Total domestic deposits to total assets | 85.9180% | 2,987 |
| Equity capital to assets | 11.0047% | 2,963 |
| Core capital (leverage) ratio | 11.3345% | 2,129 |
| Tier 1 risk-based capital ratio | 17.3482% | 2,359 |
| Total risk-based capital ratio | 18.6007% | 2,317 |
| Memoranda: | ||
| Average total assets | $112,234,500 | 4,325 |
| Average earning assets | $105,281,500 | 4,267 |
| Average equity | $12,645,000 | 4,298 |
| Average total loans | $67,817,500 | 4,235 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 2,479 |
| Cost of funding earning assets | 0.6769% | 1,227 |
| Net interest margin | 3.6574% | 3,191 |
| Noninterest income to average assets | 0.3397% | 4,679 |
| Noninterest expense to average assets | 2.4548% | 4,686 |
| Loan and lease loss provision to assets | 0.2836% | 742 |
| Net operating income to assets | 1.0400% | 2,212 |
| Return on assets (ROA) | 1.0882% | 2,072 |
| Pretax return on assets | 1.0882% | 3,131 |
| Return on Equity (ROE) | 10.5273% | 1,895 |
| Retained earnings to average equity (ytd only) | 6.9787% | 1,417 |
| Net charge-offs to loans | 0.7556% | 473 |
| Credit loss provision to net charge-offs | 64.5418% | 3,191 |
| Earnings coverage of net charge-offs (x) | 3.0120% | 4,008 |
| Efficiency ratio | 64.9676% | 4,406 |
| Assets per employee ($millions) | 6.9471% | 873 |
| Cash dividends to net income (ytd only)* | 33.7088% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 1,998 |
| Loan loss allowance to noncurrent loans | 30.9629% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 4.2212% | 384 |
| Noncurrent loans to loans | 5.2599% | 265 |
| Net loans and leases to total assets | 60.8075% | 3,673 |
| Net loans and leases to deposits | 71.5799% | 3,728 |
| Net loans and leases to core deposits | 73.6122% | 3,952 |
| Total domestic deposits to total assets | 84.9506% | 3,305 |
| Equity capital to assets | 11.5335% | 2,404 |
| Core capital (leverage) ratio | 11.2989% | 2,135 |
| Tier 1 risk-based capital ratio | 17.4900% | 2,319 |
| Total risk-based capital ratio | 18.7431% | 2,286 |
| Memoranda: | ||
| Average total assets | $114,226,000 | 4,296 |
| Average earning assets | $107,399,800 | 4,238 |
| Average equity | $11,807,400 | 4,396 |
| Average total loans | $66,433,800 | 4,281 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3381% | 2,465 |
| Cost of funding earning assets | 0.6991% | 1,158 |
| Net interest margin | 3.6390% | 3,274 |
| Noninterest income to average assets | 0.3235% | 4,844 |
| Noninterest expense to average assets | 2.4592% | 4,646 |
| Loan and lease loss provision to assets | 0.2817% | 724 |
| Net operating income to assets | 0.9983% | 2,457 |
| Return on assets (ROA) | 1.0400% | 2,341 |
| Pretax return on assets | 1.0400% | 3,424 |
| Return on Equity (ROE) | 10.3509% | 2,054 |
| Retained earnings to average equity (ytd only) | 5.5159% | 2,732 |
| Net charge-offs to loans | 1.0162% | 294 |
| Credit loss provision to net charge-offs | 48.4064% | 3,129 |
| Earnings coverage of net charge-offs (x) | 2.1992% | 3,970 |
| Efficiency ratio | 65.7674% | 4,250 |
| Assets per employee ($millions) | 6.7072% | 909 |
| Cash dividends to net income (ytd only)* | 46.7110% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 2,454 |
| Loan loss allowance to noncurrent loans | 30.8103% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 3.9176% | 520 |
| Noncurrent loans to loans | 5.0645% | 351 |
| Net loans and leases to total assets | 57.4305% | 4,148 |
| Net loans and leases to deposits | 67.2465% | 4,213 |
| Net loans and leases to core deposits | 69.3180% | 4,387 |
| Total domestic deposits to total assets | 85.4029% | 3,157 |
| Equity capital to assets | 10.5961% | 3,431 |
| Core capital (leverage) ratio | 10.7881% | 2,706 |
| Tier 1 risk-based capital ratio | 17.2853% | 2,484 |
| Total risk-based capital ratio | 18.5374% | 2,441 |
| Memoranda: | ||
| Average total assets | $114,994,000 | 4,318 |
| Average earning assets | $107,939,750 | 4,266 |
| Average equity | $11,554,250 | 4,468 |
| Average total loans | $65,865,000 | 4,335 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3816% | 2,251 |
| Cost of funding earning assets | 0.7222% | 1,069 |
| Net interest margin | 3.6593% | 3,109 |
| Noninterest income to average assets | 0.3122% | 4,924 |
| Noninterest expense to average assets | 2.4628% | 4,686 |
| Loan and lease loss provision to assets | 0.2810% | 723 |
| Net operating income to assets | 0.9955% | 2,337 |
| Return on assets (ROA) | 1.0579% | 2,166 |
| Pretax return on assets | 1.0579% | 3,246 |
| Return on Equity (ROE) | 10.7221% | 1,836 |
| Retained earnings to average equity (ytd only) | 3.3573% | 4,062 |
| Net charge-offs to loans | 1.5386% | 177 |
| Credit loss provision to net charge-offs | 32.0792% | 3,030 |
| Earnings coverage of net charge-offs (x) | 1.4574% | 3,797 |
| Efficiency ratio | 65.8627% | 4,382 |
| Assets per employee ($millions) | 6.6697% | 935 |
| Cash dividends to net income (ytd only)* | 68.6885% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 3,133 |
| Loan loss allowance to noncurrent loans | 28.1416% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 3.9511% | 543 |
| Noncurrent loans to loans | 5.1332% | 375 |
| Net loans and leases to total assets | 57.4035% | 4,066 |
| Net loans and leases to deposits | 68.5307% | 3,991 |
| Net loans and leases to core deposits | 70.9086% | 4,159 |
| Total domestic deposits to total assets | 83.7633% | 4,013 |
| Equity capital to assets | 10.4776% | 3,464 |
| Core capital (leverage) ratio | 10.4622% | 2,988 |
| Tier 1 risk-based capital ratio | 17.0934% | 2,580 |
| Total risk-based capital ratio | 18.3456% | 2,543 |
| Memoranda: | ||
| Average total assets | $115,317,670 | 4,345 |
| Average earning assets | $107,998,000 | 4,291 |
| Average equity | $11,378,330 | 4,525 |
| Average total loans | $65,646,000 | 4,367 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 2,384 |
| Cost of funding earning assets | 0.7380% | 1,030 |
| Net interest margin | 3.5981% | 3,253 |
| Noninterest income to average assets | 0.4197% | 4,035 |
| Noninterest expense to average assets | 2.4320% | 4,839 |
| Loan and lease loss provision to assets | 0.2786% | 733 |
| Net operating income to assets | 1.0801% | 1,896 |
| Return on assets (ROA) | 1.0801% | 1,964 |
| Pretax return on assets | 1.0801% | 2,997 |
| Return on Equity (ROE) | 11.2874% | 1,608 |
| Retained earnings to average equity (ytd only) | -3.7744% | 6,039 |
| Net charge-offs to loans | 2.3041% | 106 |
| Credit loss provision to net charge-offs | 21.4854% | 2,486 |
| Earnings coverage of net charge-offs (x) | 1.0477% | 3,198 |
| Efficiency ratio | 64.1561% | 4,839 |
| Assets per employee ($millions) | 6.8848% | 850 |
| Cash dividends to net income (ytd only)* | 133.4395% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 2,975 |
| Loan loss allowance to noncurrent loans | 29.4066% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 3.9414% | 614 |
| Noncurrent loans to loans | 5.2335% | 406 |
| Net loans and leases to total assets | 54.7167% | 4,321 |
| Net loans and leases to deposits | 63.7072% | 4,348 |
| Net loans and leases to core deposits | 65.6171% | 4,533 |
| Total domestic deposits to total assets | 85.8879% | 3,421 |
| Equity capital to assets | 9.5223% | 4,471 |
| Core capital (leverage) ratio | 10.1434% | 3,363 |
| Tier 1 risk-based capital ratio | 16.6842% | 2,821 |
| Total risk-based capital ratio | 17.9370% | 2,781 |
| Memoranda: | ||
| Average total assets | $116,284,000 | 4,360 |
| Average earning assets | $108,946,000 | 4,298 |
| Average equity | $11,127,500 | 4,584 |
| Average total loans | $65,448,500 | 4,413 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4870% | 2,259 |
| Cost of funding earning assets | 0.8206% | 1,090 |
| Net interest margin | 3.6664% | 3,189 |
| Noninterest income to average assets | 0.2293% | 5,705 |
| Noninterest expense to average assets | 2.4042% | 5,058 |
| Loan and lease loss provision to assets | 0.3299% | 980 |
| Net operating income to assets | 0.9207% | 2,675 |
| Return on assets (ROA) | 0.9497% | 2,642 |
| Pretax return on assets | 0.9497% | 3,560 |
| Return on Equity (ROE) | 9.4587% | 2,341 |
| Retained earnings to average equity (ytd only) | 6.6969% | 1,579 |
| Net charge-offs to loans | 0.1568% | 3,236 |
| Credit loss provision to net charge-offs | 343.3962% | 663 |
| Earnings coverage of net charge-offs (x) | 13.0189% | 2,072 |
| Efficiency ratio | 65.7823% | 4,595 |
| Assets per employee ($millions) | 6.7957% | 852 |
| Cash dividends to net income (ytd only)* | 29.1985% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9695% | 1,624 |
| Loan loss allowance to noncurrent loans | 34.1226% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 4.3946% | 582 |
| Noncurrent loans to loans | 5.7718% | 371 |
| Net loans and leases to total assets | 55.8813% | 4,341 |
| Net loans and leases to deposits | 65.4541% | 4,358 |
| Net loans and leases to core deposits | 68.4980% | 4,450 |
| Total domestic deposits to total assets | 85.3748% | 3,565 |
| Equity capital to assets | 9.6168% | 4,264 |
| Core capital (leverage) ratio | 10.2781% | 3,182 |
| Tier 1 risk-based capital ratio | 17.5002% | 2,414 |
| Total risk-based capital ratio | 18.7589% | 2,388 |
| Memoranda: | ||
| Average total assets | $110,347,600 | 4,491 |
| Average earning assets | $103,097,600 | 4,430 |
| Average equity | $11,079,800 | 4,616 |
| Average total loans | $67,581,600 | 4,352 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 2,413 |
| Cost of funding earning assets | 0.8259% | 1,185 |
| Net interest margin | 3.6254% | 3,337 |
| Noninterest income to average assets | 0.2274% | 5,803 |
| Noninterest expense to average assets | 2.6274% | 4,290 |
| Loan and lease loss provision to assets | 0.2971% | 1,146 |
| Net operating income to assets | 0.6896% | 3,912 |
| Return on assets (ROA) | 0.7287% | 3,838 |
| Pretax return on assets | 0.7287% | 4,583 |
| Return on Equity (ROE) | 7.1770% | 3,550 |
| Retained earnings to average equity (ytd only) | 3.4922% | 4,204 |
| Net charge-offs to loans | 0.0470% | 4,235 |
| Credit loss provision to net charge-offs | 1,012.5000% | 303 |
| Earnings coverage of net charge-offs (x) | 33.6241% | 1,140 |
| Efficiency ratio | 72.6996% | 3,285 |
| Assets per employee ($millions) | 6.6760% | 861 |
| Cash dividends to net income (ytd only)* | 51.3421% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8150% | 2,257 |
| Loan loss allowance to noncurrent loans | 32.2060% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 4.5933% | 644 |
| Noncurrent loans to loans | 5.6357% | 472 |
| Net loans and leases to total assets | 59.9144% | 3,708 |
| Net loans and leases to deposits | 70.5945% | 3,702 |
| Net loans and leases to core deposits | 73.9519% | 3,852 |
| Total domestic deposits to total assets | 84.8712% | 3,806 |
| Equity capital to assets | 9.4077% | 4,665 |
| Core capital (leverage) ratio | 10.3346% | 3,190 |
| Tier 1 risk-based capital ratio | 16.3010% | 3,034 |
| Total risk-based capital ratio | 17.5707% | 2,990 |
| Memoranda: | ||
| Average total assets | $109,052,750 | 4,551 |
| Average earning assets | $101,870,250 | 4,504 |
| Average equity | $11,072,250 | 4,674 |
| Average total loans | $68,013,250 | 4,372 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 2,396 |
| Cost of funding earning assets | 0.8289% | 1,268 |
| Net interest margin | 3.6165% | 3,297 |
| Noninterest income to average assets | 0.1971% | 6,025 |
| Noninterest expense to average assets | 2.6587% | 4,189 |
| Loan and lease loss provision to assets | 0.3012% | 1,197 |
| Net operating income to assets | 0.6117% | 4,233 |
| Return on assets (ROA) | 0.6377% | 4,266 |
| Pretax return on assets | 0.6377% | 4,882 |
| Return on Equity (ROE) | 6.1228% | 4,095 |
| Retained earnings to average equity (ytd only) | 0.6605% | 5,635 |
| Net charge-offs to loans | 0.0710% | 3,697 |
| Credit loss provision to net charge-offs | 675.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 20.4583% | 1,462 |
| Efficiency ratio | 74.4404% | 3,044 |
| Assets per employee ($millions) | 6.4831% | 904 |
| Cash dividends to net income (ytd only)* | 89.2128% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 2,745 |
| Loan loss allowance to noncurrent loans | 25.4215% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 5.4649% | 537 |
| Noncurrent loans to loans | 6.7257% | 376 |
| Net loans and leases to total assets | 61.3409% | 3,415 |
| Net loans and leases to deposits | 72.9871% | 3,309 |
| Net loans and leases to core deposits | 75.3469% | 3,631 |
| Total domestic deposits to total assets | 84.0435% | 4,295 |
| Equity capital to assets | 9.7612% | 4,227 |
| Core capital (leverage) ratio | 10.4069% | 2,979 |
| Tier 1 risk-based capital ratio | 16.1753% | 3,101 |
| Total risk-based capital ratio | 17.4419% | 3,047 |
| Memoranda: | ||
| Average total assets | $107,573,000 | 4,627 |
| Average earning assets | $100,373,330 | 4,576 |
| Average equity | $11,204,000 | 4,683 |
| Average total loans | $67,599,330 | 4,393 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 2,250 |
| Cost of funding earning assets | 0.8374% | 1,329 |
| Net interest margin | 3.6393% | 3,111 |
| Noninterest income to average assets | 0.1280% | 6,455 |
| Noninterest expense to average assets | 2.6503% | 4,241 |
| Loan and lease loss provision to assets | 0.3049% | 1,124 |
| Net operating income to assets | 0.5760% | 4,334 |
| Return on assets (ROA) | 0.6287% | 4,238 |
| Pretax return on assets | 0.6287% | 4,845 |
| Return on Equity (ROE) | 5.8458% | 4,128 |
| Retained earnings to average equity (ytd only) | -4.8657% | 6,355 |
| Net charge-offs to loans | 0.1433% | 2,545 |
| Credit loss provision to net charge-offs | 337.5000% | 723 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 1,809 |
| Efficiency ratio | 75.0533% | 3,090 |
| Assets per employee ($millions) | 6.2868% | 1,080 |
| Cash dividends to net income (ytd only)* | 183.2335% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 3,417 |
| Loan loss allowance to noncurrent loans | 25.9962% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 5.3192% | 658 |
| Noncurrent loans to loans | 6.1349% | 536 |
| Net loans and leases to total assets | 63.2752% | 2,835 |
| Net loans and leases to deposits | 76.5329% | 2,547 |
| Net loans and leases to core deposits | 79.5450% | 2,863 |
| Total domestic deposits to total assets | 82.6771% | 4,965 |
| Equity capital to assets | 10.6142% | 3,420 |
| Core capital (leverage) ratio | 10.4944% | 2,782 |
| Tier 1 risk-based capital ratio | 15.9321% | 3,308 |
| Total risk-based capital ratio | 17.0947% | 3,313 |
| Memoranda: | ||
| Average total assets | $106,253,500 | 4,710 |
| Average earning assets | $99,361,000 | 4,646 |
| Average equity | $11,427,000 | 4,693 |
| Average total loans | $67,008,500 | 4,455 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7190% | 2,522 |
| Cost of funding earning assets | 1.0238% | 1,233 |
| Net interest margin | 3.6951% | 3,669 |
| Noninterest income to average assets | -0.0484% | 6,880 |
| Noninterest expense to average assets | 2.5366% | 4,975 |
| Loan and lease loss provision to assets | 0.2166% | 2,966 |
| Net operating income to assets | 0.6015% | 4,229 |
| Return on assets (ROA) | 0.7804% | 3,615 |
| Pretax return on assets | 0.7804% | 4,365 |
| Return on Equity (ROE) | 7.2569% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.2569% | 1,446 |
| Net charge-offs to loans | 0.1801% | 3,931 |
| Credit loss provision to net charge-offs | 191.4530% | 1,366 |
| Earnings coverage of net charge-offs (x) | 7.2308% | 2,653 |
| Efficiency ratio | 75.6126% | 2,813 |
| Assets per employee ($millions) | 6.2136% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5912% | 3,364 |
| Loan loss allowance to noncurrent loans | 24.4069% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 5.6252% | 655 |
| Noncurrent loans to loans | 6.5196% | 516 |
| Net loans and leases to total assets | 60.8306% | 3,449 |
| Net loans and leases to deposits | 74.2235% | 3,057 |
| Net loans and leases to core deposits | 80.9922% | 2,882 |
| Total domestic deposits to total assets | 81.9561% | 5,117 |
| Equity capital to assets | 10.8964% | 3,072 |
| Core capital (leverage) ratio | 10.8403% | 2,401 |
| Tier 1 risk-based capital ratio | 16.6222% | 2,829 |
| Total risk-based capital ratio | 17.8752% | 2,804 |
| Memoranda: | ||
| Average total assets | $103,404,400 | 4,752 |
| Average earning assets | $95,233,000 | 4,716 |
| Average equity | $11,120,400 | 4,733 |
| Average total loans | $64,954,600 | 4,549 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7452% | 2,602 |
| Cost of funding earning assets | 1.0617% | 1,230 |
| Net interest margin | 3.6835% | 3,864 |
| Noninterest income to average assets | 0.1504% | 6,396 |
| Noninterest expense to average assets | 2.6187% | 4,678 |
| Loan and lease loss provision to assets | 0.2904% | 2,257 |
| Net operating income to assets | 0.6236% | 4,274 |
| Return on assets (ROA) | 0.7545% | 3,921 |
| Pretax return on assets | 0.7545% | 4,659 |
| Return on Equity (ROE) | 7.0396% | 3,787 |
| Retained earnings to average equity (ytd only) | 7.0396% | 2,103 |
| Net charge-offs to loans | 0.2405% | 3,282 |
| Credit loss provision to net charge-offs | 191.4530% | 1,453 |
| Earnings coverage of net charge-offs (x) | 6.0255% | 2,868 |
| Efficiency ratio | 74.1284% | 2,962 |
| Assets per employee ($millions) | 6.3123% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 3,561 |
| Loan loss allowance to noncurrent loans | 16.3725% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 8.1289% | 375 |
| Noncurrent loans to loans | 9.7054% | 264 |
| Net loans and leases to total assets | 59.9642% | 3,795 |
| Net loans and leases to deposits | 73.4278% | 3,378 |
| Net loans and leases to core deposits | 80.2762% | 3,169 |
| Total domestic deposits to total assets | 81.6642% | 5,143 |
| Equity capital to assets | 10.7978% | 3,503 |
| Core capital (leverage) ratio | 10.3454% | 3,111 |
| Tier 1 risk-based capital ratio | 16.0409% | 3,240 |
| Total risk-based capital ratio | 17.3012% | 3,206 |
| Memoranda: | ||
| Average total assets | $102,847,750 | 4,806 |
| Average earning assets | $94,437,000 | 4,784 |
| Average equity | $11,023,000 | 4,801 |
| Average total loans | $64,869,500 | 4,595 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8613% | 2,264 |
| Cost of funding earning assets | 1.1139% | 1,155 |
| Net interest margin | 3.7474% | 3,604 |
| Noninterest income to average assets | 0.1934% | 6,174 |
| Noninterest expense to average assets | 2.7032% | 4,407 |
| Loan and lease loss provision to assets | 0.2762% | 2,378 |
| Net operating income to assets | 0.6393% | 4,171 |
| Return on assets (ROA) | 0.8386% | 3,469 |
| Pretax return on assets | 0.8386% | 4,318 |
| Return on Equity (ROE) | 7.8449% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.8449% | 1,701 |
| Net charge-offs to loans | 0.0556% | 4,638 |
| Credit loss provision to net charge-offs | 777.7778% | 403 |
| Earnings coverage of net charge-offs (x) | 25.7778% | 1,187 |
| Efficiency ratio | 74.7001% | 2,948 |
| Assets per employee ($millions) | 6.5542% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 3,531 |
| Loan loss allowance to noncurrent loans | 16.0965% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 8.8283% | 355 |
| Noncurrent loans to loans | 10.0661% | 263 |
| Net loans and leases to total assets | 61.0259% | 3,622 |
| Net loans and leases to deposits | 75.1674% | 3,103 |
| Net loans and leases to core deposits | 82.0062% | 2,959 |
| Total domestic deposits to total assets | 81.1866% | 5,399 |
| Equity capital to assets | 10.6974% | 3,461 |
| Core capital (leverage) ratio | 10.5181% | 2,784 |
| Tier 1 risk-based capital ratio | 15.8613% | 3,236 |
| Total risk-based capital ratio | 17.1286% | 3,196 |
| Memoranda: | ||
| Average total assets | $101,360,670 | 4,872 |
| Average earning assets | $92,650,670 | 4,855 |
| Average equity | $10,835,000 | 4,850 |
| Average total loans | $64,697,330 | 4,616 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 2,005 |
| Cost of funding earning assets | 1.1967% | 1,001 |
| Net interest margin | 3.7711% | 3,513 |
| Noninterest income to average assets | 0.2209% | 6,034 |
| Noninterest expense to average assets | 2.8231% | 3,933 |
| Loan and lease loss provision to assets | 0.3373% | 1,856 |
| Net operating income to assets | 0.4899% | 4,875 |
| Return on assets (ROA) | 0.4899% | 5,077 |
| Pretax return on assets | 0.4899% | 5,463 |
| Return on Equity (ROE) | 4.5850% | 4,994 |
| Retained earnings to average equity (ytd only) | 4.5850% | 3,825 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3377% | 2,599 |
| Assets per employee ($millions) | 6.2771% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 3,807 |
| Loan loss allowance to noncurrent loans | 15.7593% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 9.1524% | 380 |
| Noncurrent loans to loans | 10.0222% | 303 |
| Net loans and leases to total assets | 63.0380% | 3,037 |
| Net loans and leases to deposits | 73.6260% | 3,174 |
| Net loans and leases to core deposits | 80.2014% | 3,049 |
| Total domestic deposits to total assets | 85.6193% | 3,731 |
| Equity capital to assets | 10.6469% | 3,325 |
| Core capital (leverage) ratio | 10.6514% | 2,597 |
| Tier 1 risk-based capital ratio | 15.8365% | 3,256 |
| Total risk-based capital ratio | 17.0900% | 3,227 |
| Memoranda: | ||
| Average total assets | $99,607,500 | 4,947 |
| Average earning assets | $90,583,500 | 4,942 |
| Average equity | $10,643,500 | 4,899 |
| Average total loans | $64,521,000 | 4,638 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2427% | 1,903 |
| Cost of funding earning assets | 1.3673% | 1,174 |
| Net interest margin | 3.8754% | 3,444 |
| Noninterest income to average assets | 0.2333% | 5,868 |
| Noninterest expense to average assets | 2.7851% | 4,401 |
| Loan and lease loss provision to assets | 0.3427% | 2,953 |
| Net operating income to assets | 0.6010% | 3,999 |
| Return on assets (ROA) | 0.7041% | 3,656 |
| Pretax return on assets | 0.7041% | 4,310 |
| Return on Equity (ROE) | 6.2309% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.2309% | 1,888 |
| Net charge-offs to loans | 0.4773% | 3,082 |
| Credit loss provision to net charge-offs | 104.4444% | 3,285 |
| Earnings coverage of net charge-offs (x) | 2.8762% | 3,770 |
| Efficiency ratio | 74.6927% | 3,107 |
| Assets per employee ($millions) | 6.1739% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 4,284 |
| Loan loss allowance to noncurrent loans | 20.7295% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 7.3303% | 610 |
| Noncurrent loans to loans | 6.9474% | 639 |
| Net loans and leases to total assets | 64.5695% | 3,066 |
| Net loans and leases to deposits | 78.0220% | 2,838 |
| Net loans and leases to core deposits | 87.8651% | 2,393 |
| Total domestic deposits to total assets | 82.7580% | 4,860 |
| Equity capital to assets | 10.7246% | 3,280 |
| Core capital (leverage) ratio | 10.4557% | 2,781 |
| Tier 1 risk-based capital ratio | 15.6329% | 3,248 |
| Total risk-based capital ratio | 16.8986% | 3,198 |
| Memoranda: | ||
| Average total assets | $96,011,800 | 5,012 |
| Average earning assets | $86,596,800 | 5,043 |
| Average equity | $10,849,200 | 4,816 |
| Average total loans | $65,998,200 | 4,632 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3031% | 1,843 |
| Cost of funding earning assets | 1.2771% | 1,836 |
| Net interest margin | 4.0260% | 2,799 |
| Noninterest income to average assets | 0.2098% | 6,114 |
| Noninterest expense to average assets | 2.9122% | 3,874 |
| Loan and lease loss provision to assets | 0.4126% | 2,400 |
| Net operating income to assets | 0.5008% | 4,547 |
| Return on assets (ROA) | 0.5511% | 4,494 |
| Pretax return on assets | 0.5511% | 4,969 |
| Return on Equity (ROE) | 4.8137% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.8137% | 3,302 |
| Net charge-offs to loans | 0.3136% | 3,532 |
| Credit loss provision to net charge-offs | 189.1026% | 1,542 |
| Earnings coverage of net charge-offs (x) | 4.1860% | 3,153 |
| Efficiency ratio | 76.1243% | 2,820 |
| Assets per employee ($millions) | 6.2287% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 3,491 |
| Loan loss allowance to noncurrent loans | 24.5414% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 7.5176% | 625 |
| Noncurrent loans to loans | 6.6744% | 776 |
| Net loans and leases to total assets | 63.6902% | 3,371 |
| Net loans and leases to deposits | 77.9575% | 3,006 |
| Net loans and leases to core deposits | 87.5067% | 2,561 |
| Total domestic deposits to total assets | 81.6986% | 5,195 |
| Equity capital to assets | 11.4119% | 2,767 |
| Core capital (leverage) ratio | 11.2680% | 2,179 |
| Tier 1 risk-based capital ratio | 16.4006% | 2,912 |
| Total risk-based capital ratio | 17.6541% | 2,877 |
| Memoranda: | ||
| Average total assets | $95,319,250 | 5,067 |
| Average earning assets | $85,608,750 | 5,105 |
| Average equity | $10,913,000 | 4,828 |
| Average total loans | $66,319,000 | 4,660 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3020% | 1,882 |
| Cost of funding earning assets | 1.2511% | 2,243 |
| Net interest margin | 4.0509% | 2,607 |
| Noninterest income to average assets | 0.2152% | 6,126 |
| Noninterest expense to average assets | 2.9849% | 3,699 |
| Loan and lease loss provision to assets | 0.5348% | 1,820 |
| Net operating income to assets | 0.3515% | 5,169 |
| Return on assets (ROA) | 0.4282% | 4,969 |
| Pretax return on assets | 0.4282% | 5,303 |
| Return on Equity (ROE) | 3.7362% | 5,047 |
| Retained earnings to average equity (ytd only) | 3.7362% | 3,837 |
| Net charge-offs to loans | 0.4633% | 2,726 |
| Credit loss provision to net charge-offs | 161.9355% | 1,873 |
| Earnings coverage of net charge-offs (x) | 2.6839% | 3,495 |
| Efficiency ratio | 77.1051% | 2,843 |
| Assets per employee ($millions) | 5.8415% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 3,942 |
| Loan loss allowance to noncurrent loans | 24.4102% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 7.8865% | 600 |
| Noncurrent loans to loans | 6.3075% | 907 |
| Net loans and leases to total assets | 69.3786% | 2,347 |
| Net loans and leases to deposits | 80.9053% | 2,627 |
| Net loans and leases to core deposits | 91.3077% | 2,218 |
| Total domestic deposits to total assets | 85.7528% | 3,468 |
| Equity capital to assets | 11.1465% | 2,818 |
| Core capital (leverage) ratio | 11.1307% | 2,154 |
| Tier 1 risk-based capital ratio | 15.3185% | 3,340 |
| Total risk-based capital ratio | 16.5713% | 3,291 |
| Memoranda: | ||
| Average total assets | $93,872,670 | 5,143 |
| Average earning assets | $84,722,330 | 5,172 |
| Average equity | $10,759,670 | 4,852 |
| Average total loans | $66,915,330 | 4,687 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2212% | 2,150 |
| Cost of funding earning assets | 1.3796% | 1,717 |
| Net interest margin | 3.8416% | 3,409 |
| Noninterest income to average assets | 0.2083% | 6,244 |
| Noninterest expense to average assets | 2.5936% | 5,251 |
| Loan and lease loss provision to assets | 0.7398% | 1,149 |
| Net operating income to assets | 0.3912% | 4,991 |
| Return on assets (ROA) | 0.5442% | 4,377 |
| Pretax return on assets | 0.5442% | 4,883 |
| Return on Equity (ROE) | 4.6841% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.6841% | 3,383 |
| Net charge-offs to loans | 0.3381% | 2,705 |
| Credit loss provision to net charge-offs | 305.2632% | 1,054 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,419 |
| Efficiency ratio | 69.6347% | 4,352 |
| Assets per employee ($millions) | 5.7646% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 3,901 |
| Loan loss allowance to noncurrent loans | 30.0174% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 6.9194% | 781 |
| Noncurrent loans to loans | 5.2081% | 1,277 |
| Net loans and leases to total assets | 70.6562% | 1,988 |
| Net loans and leases to deposits | 85.9273% | 1,740 |
| Net loans and leases to core deposits | 97.2614% | 1,579 |
| Total domestic deposits to total assets | 82.2278% | 5,217 |
| Equity capital to assets | 11.9197% | 1,965 |
| Core capital (leverage) ratio | 11.7412% | 1,709 |
| Tier 1 risk-based capital ratio | 16.5695% | 2,634 |
| Total risk-based capital ratio | 17.8236% | 2,607 |
| Memoranda: | ||
| Average total assets | $94,077,000 | 5,168 |
| Average earning assets | $86,110,000 | 5,157 |
| Average equity | $10,930,500 | 4,816 |
| Average total loans | $67,444,000 | 4,706 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2941% | 3,159 |
| Cost of funding earning assets | 1.8354% | 1,046 |
| Net interest margin | 3.4586% | 5,402 |
| Noninterest income to average assets | 0.1879% | 6,414 |
| Noninterest expense to average assets | 2.5588% | 5,585 |
| Loan and lease loss provision to assets | 0.2595% | 4,713 |
| Net operating income to assets | 0.5325% | 3,954 |
| Return on assets (ROA) | 0.6280% | 3,709 |
| Pretax return on assets | 0.6280% | 4,233 |
| Return on Equity (ROE) | 5.5909% | 3,799 |
| Retained earnings to average equity (ytd only) | 5.5909% | 2,068 |
| Net charge-offs to loans | 0.2892% | 4,574 |
| Credit loss provision to net charge-offs | 130.8901% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3.9948% | 3,114 |
| Efficiency ratio | 76.3631% | 2,996 |
| Assets per employee ($millions) | 5.9950% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 4,817 |
| Loan loss allowance to noncurrent loans | 24.7974% | 6,607 |
| Noncurrent assets plus other real estate owned to assets | 6.2312% | 927 |
| Noncurrent loans to loans | 5.3899% | 1,223 |
| Net loans and leases to total assets | 70.6485% | 2,382 |
| Net loans and leases to deposits | 85.1321% | 2,256 |
| Net loans and leases to core deposits | 99.1630% | 1,686 |
| Total domestic deposits to total assets | 82.9869% | 4,800 |
| Equity capital to assets | 11.3292% | 2,391 |
| Core capital (leverage) ratio | 11.3696% | 1,915 |
| Tier 1 risk-based capital ratio | 15.6218% | 2,939 |
| Total risk-based capital ratio | 16.8719% | 2,898 |
| Memoranda: | ||
| Average total assets | $96,333,000 | 5,096 |
| Average earning assets | $88,098,800 | 5,077 |
| Average equity | $10,821,200 | 4,904 |
| Average total loans | $66,050,600 | 4,823 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3172% | 3,268 |
| Cost of funding earning assets | 1.8926% | 1,054 |
| Net interest margin | 3.4246% | 5,587 |
| Noninterest income to average assets | 0.1825% | 6,575 |
| Noninterest expense to average assets | 2.4582% | 5,862 |
| Loan and lease loss provision to assets | 0.2627% | 4,479 |
| Net operating income to assets | 0.5862% | 3,932 |
| Return on assets (ROA) | 0.6788% | 3,668 |
| Pretax return on assets | 0.6788% | 4,307 |
| Return on Equity (ROE) | 6.0561% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.0561% | 2,321 |
| Net charge-offs to loans | 0.3364% | 3,967 |
| Credit loss provision to net charge-offs | 115.1515% | 3,626 |
| Earnings coverage of net charge-offs (x) | 3.7213% | 3,322 |
| Efficiency ratio | 74.3311% | 3,263 |
| Assets per employee ($millions) | 5.9801% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 4,722 |
| Loan loss allowance to noncurrent loans | 23.6680% | 6,726 |
| Noncurrent assets plus other real estate owned to assets | 6.2812% | 922 |
| Noncurrent loans to loans | 5.6929% | 1,149 |
| Net loans and leases to total assets | 67.6449% | 3,299 |
| Net loans and leases to deposits | 82.0423% | 3,097 |
| Net loans and leases to core deposits | 95.3310% | 2,342 |
| Total domestic deposits to total assets | 82.4512% | 4,817 |
| Equity capital to assets | 11.6072% | 2,447 |
| Core capital (leverage) ratio | 11.2990% | 2,065 |
| Tier 1 risk-based capital ratio | 16.0835% | 2,723 |
| Total risk-based capital ratio | 17.3301% | 2,674 |
| Memoranda: | ||
| Average total assets | $96,436,250 | 5,149 |
| Average earning assets | $87,989,500 | 5,142 |
| Average equity | $10,809,750 | 4,970 |
| Average total loans | $65,392,250 | 4,927 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2533% | 3,694 |
| Cost of funding earning assets | 1.9101% | 1,205 |
| Net interest margin | 3.3432% | 5,860 |
| Noninterest income to average assets | 0.1738% | 6,665 |
| Noninterest expense to average assets | 2.3354% | 6,258 |
| Loan and lease loss provision to assets | 0.2689% | 4,239 |
| Net operating income to assets | 0.6433% | 3,652 |
| Return on assets (ROA) | 0.7819% | 3,201 |
| Pretax return on assets | 0.7819% | 3,942 |
| Return on Equity (ROE) | 7.0582% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.0582% | 1,808 |
| Net charge-offs to loans | 0.4348% | 3,248 |
| Credit loss provision to net charge-offs | 91.5493% | 4,379 |
| Earnings coverage of net charge-offs (x) | 3.1056% | 3,450 |
| Efficiency ratio | 71.9108% | 3,830 |
| Assets per employee ($millions) | 6.4927% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 4,940 |
| Loan loss allowance to noncurrent loans | 25.4890% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 5.9031% | 1,008 |
| Noncurrent loans to loans | 5.0868% | 1,350 |
| Net loans and leases to total assets | 66.2070% | 3,787 |
| Net loans and leases to deposits | 79.9730% | 3,601 |
| Net loans and leases to core deposits | 92.9534% | 2,853 |
| Total domestic deposits to total assets | 82.7867% | 4,653 |
| Equity capital to assets | 11.2938% | 2,602 |
| Core capital (leverage) ratio | 11.0087% | 2,238 |
| Tier 1 risk-based capital ratio | 15.5037% | 2,890 |
| Total risk-based capital ratio | 16.7306% | 2,873 |
| Memoranda: | ||
| Average total assets | $96,687,670 | 5,173 |
| Average earning assets | $88,896,670 | 5,138 |
| Average equity | $10,711,000 | 4,999 |
| Average total loans | $65,320,330 | 4,966 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1876% | 4,092 |
| Cost of funding earning assets | 1.9335% | 1,313 |
| Net interest margin | 3.2541% | 6,119 |
| Noninterest income to average assets | 0.1661% | 6,776 |
| Noninterest expense to average assets | 2.2795% | 6,445 |
| Loan and lease loss provision to assets | 0.2906% | 3,692 |
| Net operating income to assets | 0.5938% | 3,916 |
| Return on assets (ROA) | 0.8180% | 2,982 |
| Pretax return on assets | 0.8180% | 3,796 |
| Return on Equity (ROE) | 7.4572% | 3,131 |
| Retained earnings to average equity (ytd only) | 7.4572% | 1,943 |
| Net charge-offs to loans | -0.0061% | 6,830 |
| Credit loss provision to net charge-offs | -7,000.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0472% | 3,925 |
| Assets per employee ($millions) | 6.5567% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 4,223 |
| Loan loss allowance to noncurrent loans | 24.8199% | 6,758 |
| Noncurrent assets plus other real estate owned to assets | 6.0731% | 980 |
| Noncurrent loans to loans | 5.7916% | 1,169 |
| Net loans and leases to total assets | 64.8361% | 4,135 |
| Net loans and leases to deposits | 78.5889% | 3,926 |
| Net loans and leases to core deposits | 90.1925% | 3,343 |
| Total domestic deposits to total assets | 82.5004% | 4,853 |
| Equity capital to assets | 10.8540% | 2,890 |
| Core capital (leverage) ratio | 11.0329% | 2,210 |
| Tier 1 risk-based capital ratio | 15.4866% | 2,875 |
| Total risk-based capital ratio | 16.7389% | 2,825 |
| Memoranda: | ||
| Average total assets | $96,336,500 | 5,248 |
| Average earning assets | $88,750,500 | 5,203 |
| Average equity | $10,567,000 | 5,083 |
| Average total loans | $65,317,500 | 5,026 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6940% | 3,131 |
| Cost of funding earning assets | 2.5439% | 908 |
| Net interest margin | 3.1501% | 6,225 |
| Noninterest income to average assets | 0.1757% | 6,824 |
| Noninterest expense to average assets | 2.7129% | 5,326 |
| Loan and lease loss provision to assets | 0.4512% | 4,122 |
| Net operating income to assets | -0.1020% | 5,684 |
| Return on assets (ROA) | 0.1304% | 5,169 |
| Pretax return on assets | 0.1304% | 5,158 |
| Return on Equity (ROE) | 1.0912% | 5,205 |
| Retained earnings to average equity (ytd only) | 1.0912% | 4,279 |
| Net charge-offs to loans | 0.1473% | 5,768 |
| Credit loss provision to net charge-offs | 447.1910% | 694 |
| Earnings coverage of net charge-offs (x) | 3.4607% | 3,335 |
| Efficiency ratio | 88.5968% | 1,830 |
| Assets per employee ($millions) | 6.2881% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 4,746 |
| Loan loss allowance to noncurrent loans | 38.2628% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 3.5262% | 1,900 |
| Noncurrent loans to loans | 3.4047% | 2,242 |
| Net loans and leases to total assets | 68.9966% | 3,490 |
| Net loans and leases to deposits | 83.2915% | 3,401 |
| Net loans and leases to core deposits | 109.6806% | 2,930 |
| Total domestic deposits to total assets | 82.8375% | 4,591 |
| Equity capital to assets | 11.0886% | 2,635 |
| Core capital (leverage) ratio | 11.0397% | 2,205 |
| Tier 1 risk-based capital ratio | 15.2593% | 2,821 |
| Total risk-based capital ratio | 16.5238% | 2,773 |
| Memoranda: | ||
| Average total assets | $88,207,200 | 5,440 |
| Average earning assets | $80,822,000 | 5,429 |
| Average equity | $10,538,400 | 5,146 |
| Average total loans | $60,440,800 | 5,231 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7952% | 2,919 |
| Cost of funding earning assets | 2.6828% | 826 |
| Net interest margin | 3.1125% | 6,279 |
| Noninterest income to average assets | 0.2492% | 6,457 |
| Noninterest expense to average assets | 2.4273% | 6,326 |
| Loan and lease loss provision to assets | 0.4153% | 3,829 |
| Net operating income to assets | 0.2477% | 4,999 |
| Return on assets (ROA) | 0.3076% | 4,874 |
| Pretax return on assets | 0.3076% | 5,044 |
| Return on Equity (ROE) | 2.5256% | 4,977 |
| Retained earnings to average equity (ytd only) | 2.5256% | 3,910 |
| Net charge-offs to loans | 0.2235% | 4,650 |
| Credit loss provision to net charge-offs | 272.7273% | 1,555 |
| Earnings coverage of net charge-offs (x) | 4.3534% | 3,167 |
| Efficiency ratio | 78.5465% | 3,071 |
| Assets per employee ($millions) | 6.2341% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 5,647 |
| Loan loss allowance to noncurrent loans | 80.0222% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 2.5933% | 2,684 |
| Noncurrent loans to loans | 1.3907% | 4,589 |
| Net loans and leases to total assets | 68.5107% | 3,846 |
| Net loans and leases to deposits | 83.4745% | 3,739 |
| Net loans and leases to core deposits | 110.8640% | 3,139 |
| Total domestic deposits to total assets | 82.0738% | 4,649 |
| Equity capital to assets | 11.4853% | 2,598 |
| Core capital (leverage) ratio | 11.2100% | 2,258 |
| Tier 1 risk-based capital ratio | 15.4016% | 2,864 |
| Total risk-based capital ratio | 16.4713% | 2,886 |
| Memoranda: | ||
| Average total assets | $86,678,500 | 5,529 |
| Average earning assets | $79,120,500 | 5,519 |
| Average equity | $10,558,250 | 5,175 |
| Average total loans | $59,066,500 | 5,333 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8320% | 2,892 |
| Cost of funding earning assets | 2.8016% | 787 |
| Net interest margin | 3.0305% | 6,463 |
| Noninterest income to average assets | 0.3649% | 5,591 |
| Noninterest expense to average assets | 2.5450% | 5,966 |
| Loan and lease loss provision to assets | 0.3317% | 3,946 |
| Net operating income to assets | 0.2488% | 5,085 |
| Return on assets (ROA) | 0.3270% | 4,896 |
| Pretax return on assets | 0.3270% | 5,143 |
| Return on Equity (ROE) | 2.6292% | 5,042 |
| Retained earnings to average equity (ytd only) | 2.6292% | 3,866 |
| Net charge-offs to loans | 0.0945% | 5,231 |
| Credit loss provision to net charge-offs | 518.5185% | 893 |
| Earnings coverage of net charge-offs (x) | 9.0741% | 2,178 |
| Efficiency ratio | 81.4253% | 2,808 |
| Assets per employee ($millions) | 6.0881% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 5,655 |
| Loan loss allowance to noncurrent loans | 199.6988% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 2.0324% | 3,155 |
| Noncurrent loans to loans | 0.5468% | 6,173 |
| Net loans and leases to total assets | 65.7574% | 4,619 |
| Net loans and leases to deposits | 80.2317% | 4,511 |
| Net loans and leases to core deposits | 104.8505% | 3,974 |
| Total domestic deposits to total assets | 81.9594% | 4,708 |
| Equity capital to assets | 11.3642% | 2,622 |
| Core capital (leverage) ratio | 11.2943% | 2,200 |
| Tier 1 risk-based capital ratio | 15.5672% | 2,790 |
| Total risk-based capital ratio | 16.5683% | 2,817 |
| Memoranda: | ||
| Average total assets | $84,401,000 | 5,632 |
| Average earning assets | $76,885,670 | 5,638 |
| Average equity | $10,497,670 | 5,214 |
| Average total loans | $57,160,000 | 5,461 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7180% | 3,699 |
| Cost of funding earning assets | 2.8590% | 853 |
| Net interest margin | 2.8590% | 6,855 |
| Noninterest income to average assets | 0.5486% | 3,931 |
| Noninterest expense to average assets | 2.5006% | 5,841 |
| Loan and lease loss provision to assets | 0.2718% | 3,782 |
| Net operating income to assets | 0.3855% | 4,919 |
| Return on assets (ROA) | 0.5486% | 4,401 |
| Pretax return on assets | 0.5486% | 4,921 |
| Return on Equity (ROE) | 4.2055% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.2055% | 3,571 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1862% | 2,968 |
| Assets per employee ($millions) | 5.9510% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 5,833 |
| Loan loss allowance to noncurrent loans | 25.5382% | 6,864 |
| Noncurrent assets plus other real estate owned to assets | 4.7589% | 974 |
| Noncurrent loans to loans | 4.0938% | 1,464 |
| Net loans and leases to total assets | 64.1494% | 4,959 |
| Net loans and leases to deposits | 79.3490% | 4,716 |
| Net loans and leases to core deposits | 104.3441% | 4,102 |
| Total domestic deposits to total assets | 80.8447% | 5,027 |
| Equity capital to assets | 11.9240% | 2,309 |
| Core capital (leverage) ratio | 13.4651% | 1,333 |
| Tier 1 risk-based capital ratio | 15.8171% | 2,751 |
| Total risk-based capital ratio | 16.7485% | 2,787 |
| Memoranda: | ||
| Average total assets | $80,940,500 | 5,787 |
| Average earning assets | $73,872,000 | 5,776 |
| Average equity | $10,557,500 | 5,223 |
| Average total loans | $55,383,000 | 5,571 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4351% | 3,253 |
| Cost of funding earning assets | 3.3720% | 755 |
| Net interest margin | 3.0631% | 6,755 |
| Noninterest income to average assets | 0.2262% | 6,822 |
| Noninterest expense to average assets | 3.0718% | 3,814 |
| Loan and lease loss provision to assets | 0.6960% | 2,106 |
| Net operating income to assets | -0.7340% | 7,089 |
| Return on assets (ROA) | -0.5916% | 6,889 |
| Pretax return on assets | -0.5916% | 6,729 |
| Return on Equity (ROE) | -3.5125% | 6,687 |
| Retained earnings to average equity (ytd only) | -6.3581% | 6,705 |
| Net charge-offs to loans | 0.5736% | 2,096 |
| Credit loss provision to net charge-offs | 179.5918% | 2,809 |
| Earnings coverage of net charge-offs (x) | -0.0980% | 6,319 |
| Efficiency ratio | 101.2513% | 936 |
| Assets per employee ($millions) | 5.1869% | 1,740 |
| Cash dividends to net income (ytd only)* | -81.0160% | 8,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 5,716 |
| Loan loss allowance to noncurrent loans | 59.7177% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 3.7981% | 1,124 |
| Noncurrent loans to loans | 1.7411% | 3,156 |
| Net loans and leases to total assets | 72.0888% | 3,564 |
| Net loans and leases to deposits | 92.8848% | 2,975 |
| Net loans and leases to core deposits | 133.2417% | 1,637 |
| Total domestic deposits to total assets | 77.6110% | 5,834 |
| Equity capital to assets | 14.4197% | 1,321 |
| Core capital (leverage) ratio | 13.9136% | 1,273 |
| Tier 1 risk-based capital ratio | 17.0990% | 2,279 |
| Total risk-based capital ratio | 18.0247% | 2,326 |
| Memoranda: | ||
| Average total assets | $63,219,400 | 6,266 |
| Average earning assets | $57,947,400 | 6,263 |
| Average equity | $10,647,800 | 5,226 |
| Average total loans | $42,715,800 | 6,036 |