Home > Bank of Frankewing > Performance and Condition Ratios
Bank of Frankewing, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0810% | 571 |
| Cost of funding earning assets | 2.0818% | 803 |
| Net interest margin | 3.9992% | 1,209 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.9223% | 1,229 |
| Loan and lease loss provision to assets | 1.9300% | 32 |
| Net operating income to assets | -0.3552% | 4,494 |
| Return on assets (ROA) | -0.3716% | 4,482 |
| Pretax return on assets | -0.5389% | 4,486 |
| Return on Equity (ROE) | -4.1100% | 4,457 |
| Retained earnings to average equity (ytd only) | -4.1104% | 4,369 |
| Net charge-offs to loans | 2.5669% | 34 |
| Credit loss provision to net charge-offs | 95.8047% | 1,892 |
| Earnings coverage of net charge-offs (x) | 0.7011% | 2,800 |
| Efficiency ratio | 67.4014% | 2,179 |
| Assets per employee ($millions) | 4.7182% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 1,634 |
| Loan loss allowance to noncurrent loans | 26.1897% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 4.0405% | 36 |
| Noncurrent loans to loans | 5.0918% | 47 |
| Net loans and leases to total assets | 78.2900% | 836 |
| Net loans and leases to deposits | 86.9415% | 1,539 |
| Net loans and leases to core deposits | 106.8819% | 1,073 |
| Total domestic deposits to total assets | 90.0500% | 744 |
| Equity capital to assets | 9.5802% | 2,287 |
| Core capital (leverage) ratio | 9.6192% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $519,043,600 | 1,693 |
| Average earning assets | $482,220,800 | 1,682 |
| Average equity | $46,929,200 | 1,684 |
| Average total loans | $407,652,200 | 1,453 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9995% | 532 |
| Cost of funding earning assets | 1.9384% | 797 |
| Net interest margin | 4.0610% | 1,132 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.8854% | 1,254 |
| Loan and lease loss provision to assets | 2.3400% | 26 |
| Net operating income to assets | -0.6133% | 4,545 |
| Return on assets (ROA) | -0.6361% | 4,535 |
| Pretax return on assets | -0.8927% | 4,547 |
| Return on Equity (ROE) | -7.1300% | 4,519 |
| Retained earnings to average equity (ytd only) | -7.1321% | 4,468 |
| Net charge-offs to loans | 3.1198% | 29 |
| Credit loss provision to net charge-offs | 95.9128% | 1,657 |
| Earnings coverage of net charge-offs (x) | 0.6056% | 2,561 |
| Efficiency ratio | 66.0986% | 2,266 |
| Assets per employee ($millions) | 4.8802% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 1,688 |
| Loan loss allowance to noncurrent loans | 38.2218% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 2.6772% | 86 |
| Noncurrent loans to loans | 3.5114% | 105 |
| Net loans and leases to total assets | 75.2200% | 1,205 |
| Net loans and leases to deposits | 83.0605% | 1,822 |
| Net loans and leases to core deposits | 103.7083% | 1,133 |
| Total domestic deposits to total assets | 90.5600% | 786 |
| Equity capital to assets | 8.9746% | 2,435 |
| Core capital (leverage) ratio | 9.5131% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $517,950,250 | 1,690 |
| Average earning assets | $481,473,500 | 1,683 |
| Average equity | $46,193,500 | 1,692 |
| Average total loans | $405,700,750 | 1,453 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8573% | 531 |
| Cost of funding earning assets | 1.7711% | 783 |
| Net interest margin | 4.0862% | 1,103 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.8961% | 1,218 |
| Loan and lease loss provision to assets | 0.4600% | 166 |
| Net operating income to assets | 0.7712% | 3,164 |
| Return on assets (ROA) | 0.7364% | 3,262 |
| Pretax return on assets | 0.9850% | 2,959 |
| Return on Equity (ROE) | 8.2800% | 3,163 |
| Retained earnings to average equity (ytd only) | 8.2758% | 1,881 |
| Net charge-offs to loans | 0.0030% | 2,230 |
| Credit loss provision to net charge-offs | 19,666.6667% | 28 |
| Earnings coverage of net charge-offs (x) | 632.6667% | 232 |
| Efficiency ratio | 65.9796% | 2,240 |
| Assets per employee ($millions) | 4.9634% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 696 |
| Loan loss allowance to noncurrent loans | 79.8883% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.6862% | 191 |
| Noncurrent loans to loans | 2.1706% | 236 |
| Net loans and leases to total assets | 76.3300% | 1,016 |
| Net loans and leases to deposits | 84.6418% | 1,612 |
| Net loans and leases to core deposits | 107.5403% | 925 |
| Total domestic deposits to total assets | 90.1900% | 866 |
| Equity capital to assets | 9.4125% | 2,228 |
| Core capital (leverage) ratio | 10.2930% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $508,407,667 | 1,707 |
| Average earning assets | $472,367,333 | 1,703 |
| Average equity | $45,240,333 | 1,719 |
| Average total loans | $402,024,333 | 1,451 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5584% | 565 |
| Cost of funding earning assets | 1.6070% | 688 |
| Net interest margin | 3.9514% | 1,362 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.8865% | 1,259 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.9689% | 2,629 |
| Return on assets (ROA) | 0.9689% | 2,589 |
| Pretax return on assets | 1.3004% | 2,170 |
| Return on Equity (ROE) | 11.2300% | 2,431 |
| Retained earnings to average equity (ytd only) | 11.2349% | 1,417 |
| Net charge-offs to loans | -0.0040% | 3,578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.7688% | 1,998 |
| Assets per employee ($millions) | 5.0329% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,241 |
| Loan loss allowance to noncurrent loans | 352.4362% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 1,491 |
| Noncurrent loans to loans | 0.4267% | 1,653 |
| Net loans and leases to total assets | 79.0700% | 633 |
| Net loans and leases to deposits | 86.9871% | 1,290 |
| Net loans and leases to core deposits | 110.4866% | 687 |
| Total domestic deposits to total assets | 90.9000% | 831 |
| Equity capital to assets | 8.6802% | 2,755 |
| Core capital (leverage) ratio | 9.4828% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $497,071,500 | 1,749 |
| Average earning assets | $460,995,500 | 1,745 |
| Average equity | $42,866,500 | 1,805 |
| Average total loans | $396,760,500 | 1,482 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 304 |
| Cost of funding earning assets | 0.8276% | 356 |
| Net interest margin | 4.1613% | 591 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.7479% | 1,443 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.0016% | 2,560 |
| Return on assets (ROA) | 1.0004% | 2,515 |
| Pretax return on assets | 1.3262% | 2,004 |
| Return on Equity (ROE) | 10.9300% | 2,497 |
| Retained earnings to average equity (ytd only) | 10.9313% | 901 |
| Net charge-offs to loans | -0.0192% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.6522% | 2,407 |
| Assets per employee ($millions) | 5.1131% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5356% | 1,107 |
| Loan loss allowance to noncurrent loans | 277.0264% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 1,161 |
| Noncurrent loans to loans | 0.5543% | 1,337 |
| Net loans and leases to total assets | 78.1300% | 783 |
| Net loans and leases to deposits | 85.8055% | 1,327 |
| Net loans and leases to core deposits | 108.3970% | 662 |
| Total domestic deposits to total assets | 91.0500% | 940 |
| Equity capital to assets | 8.5660% | 2,660 |
| Core capital (leverage) ratio | 9.6441% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $443,832,800 | 1,872 |
| Average earning assets | $405,521,000 | 1,894 |
| Average equity | $40,617,200 | 1,898 |
| Average total loans | $348,224,200 | 1,552 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 298 |
| Cost of funding earning assets | 0.7091% | 253 |
| Net interest margin | 4.0652% | 552 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.7223% | 1,416 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.9585% | 2,633 |
| Return on assets (ROA) | 0.9566% | 2,609 |
| Pretax return on assets | 1.2797% | 2,108 |
| Return on Equity (ROE) | 10.2700% | 2,641 |
| Retained earnings to average equity (ytd only) | 10.2664% | 1,270 |
| Net charge-offs to loans | -0.0249% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.4597% | 2,347 |
| Assets per employee ($millions) | 5.0151% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 1,141 |
| Loan loss allowance to noncurrent loans | 493.6797% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 1,954 |
| Noncurrent loans to loans | 0.3168% | 2,107 |
| Net loans and leases to total assets | 78.6300% | 649 |
| Net loans and leases to deposits | 86.7404% | 1,125 |
| Net loans and leases to core deposits | 101.9464% | 745 |
| Total domestic deposits to total assets | 90.6500% | 1,385 |
| Equity capital to assets | 8.8380% | 2,325 |
| Core capital (leverage) ratio | 9.8443% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $432,076,750 | 1,923 |
| Average earning assets | $393,349,250 | 1,950 |
| Average equity | $40,259,750 | 1,938 |
| Average total loans | $337,910,250 | 1,579 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7009% | 254 |
| Cost of funding earning assets | 0.6572% | 201 |
| Net interest margin | 4.0438% | 452 |
| Noninterest income to average assets | 0.4529% | 2,426 |
| Noninterest expense to average assets | 2.7143% | 1,355 |
| Loan and lease loss provision to assets | 0.1887% | 462 |
| Net operating income to assets | 0.9000% | 2,581 |
| Return on assets (ROA) | 0.9000% | 2,552 |
| Pretax return on assets | 1.2274% | 1,976 |
| Return on Equity (ROE) | 9.4843% | 2,529 |
| Retained earnings to average equity (ytd only) | 9.4843% | 1,141 |
| Net charge-offs to loans | -0.0219% | 3,914 |
| Credit loss provision to net charge-offs | -1,111.1111% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7149% | 2,554 |
| Assets per employee ($millions) | 4.7651% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 1,119 |
| Loan loss allowance to noncurrent loans | 437.5981% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 1,859 |
| Noncurrent loans to loans | 0.3684% | 2,040 |
| Net loans and leases to total assets | 76.7681% | 654 |
| Net loans and leases to deposits | 84.8266% | 1,064 |
| Net loans and leases to core deposits | 98.3729% | 747 |
| Total domestic deposits to total assets | 90.5001% | 1,464 |
| Equity capital to assets | 9.0109% | 2,378 |
| Core capital (leverage) ratio | 10.0257% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $423,979,000 | 1,963 |
| Average earning assets | $385,582,333 | 2,002 |
| Average equity | $40,235,000 | 1,982 |
| Average total loans | $329,036,000 | 1,601 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 247 |
| Cost of funding earning assets | 0.6782% | 173 |
| Net interest margin | 3.9376% | 461 |
| Noninterest income to average assets | 0.4585% | 2,366 |
| Noninterest expense to average assets | 2.7298% | 1,294 |
| Loan and lease loss provision to assets | 0.3137% | 190 |
| Net operating income to assets | 0.7471% | 2,865 |
| Return on assets (ROA) | 0.7471% | 2,858 |
| Pretax return on assets | 0.9962% | 2,453 |
| Return on Equity (ROE) | 7.6659% | 2,820 |
| Retained earnings to average equity (ytd only) | 7.6659% | 1,686 |
| Net charge-offs to loans | -0.0312% | 4,101 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5747% | 2,556 |
| Assets per employee ($millions) | 4.5136% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 1,118 |
| Loan loss allowance to noncurrent loans | 237.5162% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 1,082 |
| Noncurrent loans to loans | 0.7005% | 1,356 |
| Net loans and leases to total assets | 78.1296% | 366 |
| Net loans and leases to deposits | 86.9167% | 679 |
| Net loans and leases to core deposits | 99.7559% | 523 |
| Total domestic deposits to total assets | 89.8902% | 1,630 |
| Equity capital to assets | 9.6520% | 2,175 |
| Core capital (leverage) ratio | 10.0893% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $414,393,500 | 1,999 |
| Average earning assets | $376,880,000 | 2,040 |
| Average equity | $40,386,500 | 2,038 |
| Average total loans | $320,667,500 | 1,620 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4738% | 623 |
| Cost of funding earning assets | 0.8061% | 201 |
| Net interest margin | 3.6677% | 1,296 |
| Noninterest income to average assets | 0.5566% | 2,332 |
| Noninterest expense to average assets | 2.7288% | 1,551 |
| Loan and lease loss provision to assets | 0.0774% | 1,577 |
| Net operating income to assets | 0.8613% | 3,156 |
| Return on assets (ROA) | 0.8619% | 3,217 |
| Pretax return on assets | 1.0938% | 2,990 |
| Return on Equity (ROE) | 8.6782% | 3,022 |
| Retained earnings to average equity (ytd only) | 7.8987% | 1,582 |
| Net charge-offs to loans | -0.0582% | 4,396 |
| Credit loss provision to net charge-offs | -188.6792% | 3,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9821% | 1,734 |
| Assets per employee ($millions) | 4.8086% | 3,880 |
| Cash dividends to net income (ytd only)* | 8.9820% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 1,154 |
| Loan loss allowance to noncurrent loans | 203.2832% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 1,077 |
| Noncurrent loans to loans | 0.8118% | 1,256 |
| Net loans and leases to total assets | 74.0621% | 661 |
| Net loans and leases to deposits | 82.5276% | 1,015 |
| Net loans and leases to core deposits | 95.8280% | 698 |
| Total domestic deposits to total assets | 89.7422% | 1,088 |
| Equity capital to assets | 9.8402% | 2,813 |
| Core capital (leverage) ratio | 10.0994% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $387,530,400 | 2,030 |
| Average earning assets | $353,189,200 | 2,067 |
| Average equity | $38,487,400 | 2,139 |
| Average total loans | $273,266,800 | 1,820 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4470% | 745 |
| Cost of funding earning assets | 0.8370% | 207 |
| Net interest margin | 3.6099% | 1,576 |
| Noninterest income to average assets | 0.5805% | 2,297 |
| Noninterest expense to average assets | 2.7458% | 1,470 |
| Loan and lease loss provision to assets | 0.0787% | 1,500 |
| Net operating income to assets | 0.7832% | 3,569 |
| Return on assets (ROA) | 0.7835% | 3,634 |
| Pretax return on assets | 1.0477% | 3,329 |
| Return on Equity (ROE) | 7.8692% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.8692% | 2,101 |
| Net charge-offs to loans | -0.0597% | 4,426 |
| Credit loss provision to net charge-offs | -190.6780% | 3,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9173% | 1,501 |
| Assets per employee ($millions) | 4.3277% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 993 |
| Loan loss allowance to noncurrent loans | 321.9872% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 1,864 |
| Noncurrent loans to loans | 0.5479% | 1,948 |
| Net loans and leases to total assets | 71.0179% | 986 |
| Net loans and leases to deposits | 79.4706% | 1,334 |
| Net loans and leases to core deposits | 91.0264% | 980 |
| Total domestic deposits to total assets | 89.3637% | 1,089 |
| Equity capital to assets | 9.9372% | 2,961 |
| Core capital (leverage) ratio | 9.9557% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,028,750 | 2,076 |
| Average earning assets | $347,403,000 | 2,112 |
| Average equity | $37,936,000 | 2,184 |
| Average total loans | $263,730,250 | 1,893 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 893 |
| Cost of funding earning assets | 0.8643% | 214 |
| Net interest margin | 3.5039% | 1,848 |
| Noninterest income to average assets | 0.6397% | 2,046 |
| Noninterest expense to average assets | 2.7338% | 1,495 |
| Loan and lease loss provision to assets | 0.0796% | 1,523 |
| Net operating income to assets | 0.7693% | 3,597 |
| Return on assets (ROA) | 0.7697% | 3,660 |
| Pretax return on assets | 1.0245% | 3,387 |
| Return on Equity (ROE) | 7.7258% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.7258% | 2,185 |
| Net charge-offs to loans | -0.0421% | 4,290 |
| Credit loss provision to net charge-offs | -277.7778% | 3,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2408% | 1,500 |
| Assets per employee ($millions) | 4.7090% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8089% | 871 |
| Loan loss allowance to noncurrent loans | 459.8870% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 2,572 |
| Noncurrent loans to loans | 0.3933% | 2,495 |
| Net loans and leases to total assets | 67.8318% | 1,467 |
| Net loans and leases to deposits | 75.7497% | 1,848 |
| Net loans and leases to core deposits | 87.2248% | 1,330 |
| Total domestic deposits to total assets | 89.5473% | 1,004 |
| Equity capital to assets | 9.8031% | 3,054 |
| Core capital (leverage) ratio | 9.9798% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,764,000 | 2,088 |
| Average earning assets | $343,843,000 | 2,120 |
| Average equity | $37,536,333 | 2,194 |
| Average total loans | $256,737,667 | 1,930 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 1,267 |
| Cost of funding earning assets | 0.9181% | 204 |
| Net interest margin | 3.2442% | 2,563 |
| Noninterest income to average assets | 0.5107% | 2,562 |
| Noninterest expense to average assets | 2.6496% | 1,743 |
| Loan and lease loss provision to assets | 0.0811% | 1,592 |
| Net operating income to assets | 0.6307% | 3,863 |
| Return on assets (ROA) | 0.6307% | 3,931 |
| Pretax return on assets | 0.7389% | 3,935 |
| Return on Equity (ROE) | 6.2778% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.2778% | 2,800 |
| Net charge-offs to loans | -0.0592% | 4,465 |
| Credit loss provision to net charge-offs | -202.7027% | 2,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3642% | 1,101 |
| Assets per employee ($millions) | 4.8813% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9037% | 739 |
| Loan loss allowance to noncurrent loans | 252.3960% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 1,874 |
| Noncurrent loans to loans | 0.7543% | 1,731 |
| Net loans and leases to total assets | 65.7097% | 1,827 |
| Net loans and leases to deposits | 73.4728% | 2,160 |
| Net loans and leases to core deposits | 84.2131% | 1,661 |
| Total domestic deposits to total assets | 89.4340% | 1,104 |
| Equity capital to assets | 9.9197% | 2,777 |
| Core capital (leverage) ratio | 10.2470% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $369,723,000 | 2,109 |
| Average earning assets | $337,214,500 | 2,139 |
| Average equity | $37,147,000 | 2,197 |
| Average total loans | $250,105,500 | 1,962 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 589 |
| Cost of funding earning assets | 1.2348% | 240 |
| Net interest margin | 3.6721% | 1,902 |
| Noninterest income to average assets | 0.5033% | 2,618 |
| Noninterest expense to average assets | 2.7249% | 2,159 |
| Loan and lease loss provision to assets | 0.1792% | 2,149 |
| Net operating income to assets | 0.7414% | 3,290 |
| Return on assets (ROA) | 0.7456% | 3,400 |
| Pretax return on assets | 0.9697% | 3,144 |
| Return on Equity (ROE) | 6.9179% | 3,238 |
| Retained earnings to average equity (ytd only) | 5.5321% | 2,026 |
| Net charge-offs to loans | 0.0222% | 2,609 |
| Credit loss provision to net charge-offs | 1,111.1111% | 724 |
| Earnings coverage of net charge-offs (x) | 70.8889% | 967 |
| Efficiency ratio | 70.4402% | 1,887 |
| Assets per employee ($millions) | 4.6024% | 3,809 |
| Cash dividends to net income (ytd only)* | 20.0321% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8841% | 749 |
| Loan loss allowance to noncurrent loans | 403.1869% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 2,695 |
| Noncurrent loans to loans | 0.4673% | 2,565 |
| Net loans and leases to total assets | 67.0435% | 1,949 |
| Net loans and leases to deposits | 75.2066% | 2,361 |
| Net loans and leases to core deposits | 86.6919% | 1,812 |
| Total domestic deposits to total assets | 89.1457% | 922 |
| Equity capital to assets | 10.1791% | 2,954 |
| Core capital (leverage) ratio | 10.3383% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,759,000 | 2,115 |
| Average earning assets | $306,771,200 | 2,138 |
| Average equity | $36,080,200 | 2,172 |
| Average total loans | $243,374,200 | 1,951 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 529 |
| Cost of funding earning assets | 1.2929% | 250 |
| Net interest margin | 3.7814% | 1,678 |
| Noninterest income to average assets | 0.5113% | 2,560 |
| Noninterest expense to average assets | 2.7960% | 1,973 |
| Loan and lease loss provision to assets | 0.1627% | 2,377 |
| Net operating income to assets | 0.7656% | 3,224 |
| Return on assets (ROA) | 0.7669% | 3,337 |
| Pretax return on assets | 1.0221% | 2,984 |
| Return on Equity (ROE) | 7.0072% | 3,198 |
| Retained earnings to average equity (ytd only) | 7.0072% | 1,687 |
| Net charge-offs to loans | -0.0650% | 4,746 |
| Credit loss provision to net charge-offs | -338.9831% | 3,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2639% | 1,850 |
| Assets per employee ($millions) | 4.4690% | 3,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8779% | 614 |
| Loan loss allowance to noncurrent loans | 317.3261% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 2,467 |
| Noncurrent loans to loans | 0.5918% | 2,319 |
| Net loans and leases to total assets | 70.6393% | 1,863 |
| Net loans and leases to deposits | 79.9916% | 2,314 |
| Net loans and leases to core deposits | 94.7100% | 1,575 |
| Total domestic deposits to total assets | 88.3084% | 1,056 |
| Equity capital to assets | 10.7198% | 2,605 |
| Core capital (leverage) ratio | 10.6666% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,551,750 | 2,130 |
| Average earning assets | $300,411,750 | 2,150 |
| Average equity | $35,847,750 | 2,169 |
| Average total loans | $242,107,000 | 1,963 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2557% | 515 |
| Cost of funding earning assets | 1.3367% | 307 |
| Net interest margin | 3.9189% | 1,529 |
| Noninterest income to average assets | 0.5211% | 2,488 |
| Noninterest expense to average assets | 2.8295% | 2,023 |
| Loan and lease loss provision to assets | 0.1242% | 2,786 |
| Net operating income to assets | 0.8769% | 2,783 |
| Return on assets (ROA) | 0.8769% | 2,899 |
| Pretax return on assets | 1.1651% | 2,477 |
| Return on Equity (ROE) | 7.9547% | 2,764 |
| Retained earnings to average equity (ytd only) | 7.9547% | 1,324 |
| Net charge-offs to loans | -0.0400% | 4,623 |
| Credit loss provision to net charge-offs | -416.6667% | 3,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6972% | 2,142 |
| Assets per employee ($millions) | 4.6375% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 645 |
| Loan loss allowance to noncurrent loans | 275.2513% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 2,468 |
| Noncurrent loans to loans | 0.6556% | 2,224 |
| Net loans and leases to total assets | 69.4811% | 2,114 |
| Net loans and leases to deposits | 78.5013% | 2,600 |
| Net loans and leases to core deposits | 92.9312% | 1,822 |
| Total domestic deposits to total assets | 88.5094% | 940 |
| Equity capital to assets | 10.6205% | 2,645 |
| Core capital (leverage) ratio | 10.9615% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,032,333 | 2,138 |
| Average earning assets | $295,643,667 | 2,154 |
| Average equity | $35,501,000 | 2,184 |
| Average total loans | $240,233,000 | 1,955 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3737% | 475 |
| Cost of funding earning assets | 1.4080% | 383 |
| Net interest margin | 3.9656% | 1,488 |
| Noninterest income to average assets | 0.5779% | 2,143 |
| Noninterest expense to average assets | 2.8472% | 2,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0287% | 2,081 |
| Return on assets (ROA) | 1.0287% | 2,180 |
| Pretax return on assets | 1.3767% | 1,633 |
| Return on Equity (ROE) | 9.1470% | 2,049 |
| Retained earnings to average equity (ytd only) | 9.1470% | 929 |
| Net charge-offs to loans | -0.0084% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4065% | 2,754 |
| Assets per employee ($millions) | 4.4107% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7391% | 810 |
| Loan loss allowance to noncurrent loans | 214.0124% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6176% | 2,162 |
| Noncurrent loans to loans | 0.8126% | 1,980 |
| Net loans and leases to total assets | 74.6789% | 1,509 |
| Net loans and leases to deposits | 85.0993% | 2,100 |
| Net loans and leases to core deposits | 102.5499% | 1,278 |
| Total domestic deposits to total assets | 87.7551% | 1,208 |
| Equity capital to assets | 11.2323% | 2,655 |
| Core capital (leverage) ratio | 11.4319% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5968% | 1,718 |
| Memoranda: | ||
| Average total assets | $311,460,000 | 2,146 |
| Average earning assets | $286,359,500 | 2,154 |
| Average equity | $35,028,000 | 2,198 |
| Average total loans | $238,937,000 | 1,933 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5434% | 522 |
| Cost of funding earning assets | 1.3213% | 729 |
| Net interest margin | 4.2221% | 1,272 |
| Noninterest income to average assets | 0.6711% | 1,915 |
| Noninterest expense to average assets | 2.7862% | 2,649 |
| Loan and lease loss provision to assets | 0.0743% | 2,507 |
| Net operating income to assets | 1.3176% | 1,626 |
| Return on assets (ROA) | 1.3176% | 1,704 |
| Pretax return on assets | 1.7271% | 1,115 |
| Return on Equity (ROE) | 11.7657% | 1,598 |
| Retained earnings to average equity (ytd only) | 10.3323% | 431 |
| Net charge-offs to loans | 0.0724% | 2,061 |
| Credit loss provision to net charge-offs | 132.5301% | 1,922 |
| Earnings coverage of net charge-offs (x) | 32.1145% | 1,514 |
| Efficiency ratio | 60.7322% | 3,581 |
| Assets per employee ($millions) | 4.4893% | 3,236 |
| Cash dividends to net income (ytd only)* | 12.1826% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 759 |
| Loan loss allowance to noncurrent loans | 251.3070% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.5311% | 2,297 |
| Noncurrent loans to loans | 0.6858% | 2,172 |
| Net loans and leases to total assets | 76.1029% | 1,392 |
| Net loans and leases to deposits | 86.7650% | 2,001 |
| Net loans and leases to core deposits | 104.0157% | 1,227 |
| Total domestic deposits to total assets | 87.7115% | 1,267 |
| Equity capital to assets | 11.2606% | 2,749 |
| Core capital (leverage) ratio | 11.4376% | 2,157 |
| Tier 1 risk-based capital ratio | 14.1439% | 3,190 |
| Total risk-based capital ratio | 15.3993% | 3,103 |
| Memoranda: | ||
| Average total assets | $295,922,200 | 2,179 |
| Average earning assets | $274,507,200 | 2,180 |
| Average equity | $33,138,800 | 2,233 |
| Average total loans | $229,214,600 | 1,962 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4587% | 634 |
| Cost of funding earning assets | 1.3041% | 774 |
| Net interest margin | 4.1547% | 1,488 |
| Noninterest income to average assets | 0.5927% | 2,244 |
| Noninterest expense to average assets | 2.8370% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1981% | 2,196 |
| Return on assets (ROA) | 1.1981% | 2,279 |
| Pretax return on assets | 1.6061% | 1,612 |
| Return on Equity (ROE) | 10.7143% | 2,133 |
| Retained earnings to average equity (ytd only) | 10.7143% | 577 |
| Net charge-offs to loans | 0.0312% | 2,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 66.4764% | 993 |
| Efficiency ratio | 63.8518% | 3,034 |
| Assets per employee ($millions) | 4.3916% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 780 |
| Loan loss allowance to noncurrent loans | 258.1410% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 2,470 |
| Noncurrent loans to loans | 0.6679% | 2,282 |
| Net loans and leases to total assets | 75.7553% | 1,522 |
| Net loans and leases to deposits | 86.6498% | 2,117 |
| Net loans and leases to core deposits | 105.4843% | 1,222 |
| Total domestic deposits to total assets | 87.4270% | 1,296 |
| Equity capital to assets | 11.2559% | 2,873 |
| Core capital (leverage) ratio | 11.3909% | 2,312 |
| Tier 1 risk-based capital ratio | 15.0623% | 2,818 |
| Total risk-based capital ratio | 16.3187% | 2,745 |
| Memoranda: | ||
| Average total assets | $292,462,250 | 2,217 |
| Average earning assets | $271,046,250 | 2,219 |
| Average equity | $32,703,250 | 2,271 |
| Average total loans | $226,550,250 | 1,997 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4970% | 572 |
| Cost of funding earning assets | 1.2894% | 766 |
| Net interest margin | 4.2076% | 1,343 |
| Noninterest income to average assets | 0.6174% | 2,075 |
| Noninterest expense to average assets | 2.7846% | 2,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2556% | 1,933 |
| Return on assets (ROA) | 1.2556% | 1,991 |
| Pretax return on assets | 1.6841% | 1,307 |
| Return on Equity (ROE) | 11.2548% | 1,888 |
| Retained earnings to average equity (ytd only) | 11.2548% | 515 |
| Net charge-offs to loans | 0.0544% | 1,869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 39.8852% | 1,246 |
| Efficiency ratio | 62.3141% | 3,381 |
| Assets per employee ($millions) | 4.6697% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7544% | 744 |
| Loan loss allowance to noncurrent loans | 179.2596% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 1,828 |
| Noncurrent loans to loans | 0.9787% | 1,671 |
| Net loans and leases to total assets | 76.5025% | 1,469 |
| Net loans and leases to deposits | 87.4982% | 2,060 |
| Net loans and leases to core deposits | 106.0283% | 1,243 |
| Total domestic deposits to total assets | 87.4332% | 1,370 |
| Equity capital to assets | 11.3023% | 2,781 |
| Core capital (leverage) ratio | 11.3570% | 2,292 |
| Tier 1 risk-based capital ratio | 14.0326% | 3,299 |
| Total risk-based capital ratio | 15.2882% | 3,213 |
| Memoranda: | ||
| Average total assets | $288,942,000 | 2,244 |
| Average earning assets | $264,472,670 | 2,275 |
| Average equity | $32,235,000 | 2,287 |
| Average total loans | $224,206,000 | 2,017 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 720 |
| Cost of funding earning assets | 1.2213% | 845 |
| Net interest margin | 4.1057% | 1,537 |
| Noninterest income to average assets | 0.6175% | 1,962 |
| Noninterest expense to average assets | 2.7159% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2615% | 1,841 |
| Return on assets (ROA) | 1.2615% | 1,892 |
| Pretax return on assets | 1.6918% | 1,234 |
| Return on Equity (ROE) | 11.3844% | 1,787 |
| Retained earnings to average equity (ytd only) | 11.3844% | 728 |
| Net charge-offs to loans | 0.0325% | 1,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 67.2778% | 860 |
| Efficiency ratio | 61.6165% | 3,590 |
| Assets per employee ($millions) | 4.5537% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 691 |
| Loan loss allowance to noncurrent loans | 410.3030% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 3,265 |
| Noncurrent loans to loans | 0.4423% | 2,996 |
| Net loans and leases to total assets | 74.2473% | 1,758 |
| Net loans and leases to deposits | 84.6654% | 2,305 |
| Net loans and leases to core deposits | 104.6485% | 1,267 |
| Total domestic deposits to total assets | 87.6949% | 1,483 |
| Equity capital to assets | 10.8949% | 2,956 |
| Core capital (leverage) ratio | 11.3904% | 2,222 |
| Tier 1 risk-based capital ratio | 14.0339% | 3,327 |
| Total risk-based capital ratio | 15.2902% | 3,238 |
| Memoranda: | ||
| Average total assets | $286,318,500 | 2,272 |
| Average earning assets | $264,317,000 | 2,289 |
| Average equity | $31,727,500 | 2,317 |
| Average total loans | $221,768,500 | 2,057 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2033% | 697 |
| Cost of funding earning assets | 0.8969% | 1,107 |
| Net interest margin | 4.3064% | 1,137 |
| Noninterest income to average assets | 0.6375% | 2,113 |
| Noninterest expense to average assets | 2.8670% | 2,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3346% | 1,673 |
| Return on assets (ROA) | 1.3352% | 1,655 |
| Pretax return on assets | 1.7484% | 1,053 |
| Return on Equity (ROE) | 11.7218% | 1,810 |
| Retained earnings to average equity (ytd only) | 10.7105% | 485 |
| Net charge-offs to loans | -0.2964% | 5,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1287% | 3,499 |
| Assets per employee ($millions) | 4.6108% | 3,006 |
| Cash dividends to net income (ytd only)* | 8.6281% | 3,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8570% | 615 |
| Loan loss allowance to noncurrent loans | 433.1210% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 3,190 |
| Noncurrent loans to loans | 0.4287% | 3,002 |
| Net loans and leases to total assets | 77.9443% | 1,277 |
| Net loans and leases to deposits | 89.2859% | 1,894 |
| Net loans and leases to core deposits | 107.2194% | 1,179 |
| Total domestic deposits to total assets | 87.2974% | 1,643 |
| Equity capital to assets | 11.2805% | 2,433 |
| Core capital (leverage) ratio | 11.5526% | 2,060 |
| Tier 1 risk-based capital ratio | 13.7699% | 3,407 |
| Total risk-based capital ratio | 15.0267% | 3,330 |
| Memoranda: | ||
| Average total assets | $260,409,600 | 2,398 |
| Average earning assets | $240,500,600 | 2,405 |
| Average equity | $29,662,600 | 2,351 |
| Average total loans | $205,498,600 | 2,134 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0998% | 757 |
| Cost of funding earning assets | 0.8177% | 1,249 |
| Net interest margin | 4.2821% | 1,156 |
| Noninterest income to average assets | 0.6481% | 2,082 |
| Noninterest expense to average assets | 2.9032% | 2,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2688% | 1,969 |
| Return on assets (ROA) | 1.2696% | 1,971 |
| Pretax return on assets | 1.7008% | 1,275 |
| Return on Equity (ROE) | 11.1167% | 2,134 |
| Retained earnings to average equity (ytd only) | 11.1167% | 624 |
| Net charge-offs to loans | -0.4767% | 5,396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0734% | 3,322 |
| Assets per employee ($millions) | 4.3299% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9959% | 488 |
| Loan loss allowance to noncurrent loans | 111.8133% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.4315% | 923 |
| Noncurrent loans to loans | 1.7850% | 862 |
| Net loans and leases to total assets | 77.9521% | 1,347 |
| Net loans and leases to deposits | 89.8840% | 1,918 |
| Net loans and leases to core deposits | 105.1967% | 1,360 |
| Total domestic deposits to total assets | 86.7252% | 1,860 |
| Equity capital to assets | 11.5052% | 2,256 |
| Core capital (leverage) ratio | 11.7663% | 1,944 |
| Tier 1 risk-based capital ratio | 14.2179% | 3,263 |
| Total risk-based capital ratio | 15.4767% | 3,170 |
| Memoranda: | ||
| Average total assets | $256,350,750 | 2,446 |
| Average earning assets | $236,763,250 | 2,450 |
| Average equity | $29,276,500 | 2,385 |
| Average total loans | $201,946,000 | 2,168 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0366% | 756 |
| Cost of funding earning assets | 0.7383% | 1,432 |
| Net interest margin | 4.2983% | 1,036 |
| Noninterest income to average assets | 0.6565% | 2,058 |
| Noninterest expense to average assets | 2.8791% | 2,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2960% | 1,788 |
| Return on assets (ROA) | 1.2973% | 1,775 |
| Pretax return on assets | 1.7387% | 1,121 |
| Return on Equity (ROE) | 11.3886% | 1,953 |
| Retained earnings to average equity (ytd only) | 11.3886% | 604 |
| Net charge-offs to loans | -0.7388% | 5,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3698% | 3,578 |
| Assets per employee ($millions) | 4.4602% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0718% | 458 |
| Loan loss allowance to noncurrent loans | 1,008.8729% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 4,117 |
| Noncurrent loans to loans | 0.2054% | 3,988 |
| Net loans and leases to total assets | 76.8700% | 1,494 |
| Net loans and leases to deposits | 88.5407% | 2,043 |
| Net loans and leases to core deposits | 101.4075% | 1,613 |
| Total domestic deposits to total assets | 86.8188% | 1,925 |
| Equity capital to assets | 11.4711% | 2,219 |
| Core capital (leverage) ratio | 11.7086% | 1,903 |
| Tier 1 risk-based capital ratio | 14.3803% | 3,165 |
| Total risk-based capital ratio | 15.6401% | 3,084 |
| Memoranda: | ||
| Average total assets | $253,759,330 | 2,478 |
| Average earning assets | $233,768,670 | 2,484 |
| Average equity | $28,906,000 | 2,420 |
| Average total loans | $199,233,330 | 2,196 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 1,018 |
| Cost of funding earning assets | 0.6403% | 1,776 |
| Net interest margin | 4.1861% | 1,205 |
| Noninterest income to average assets | 0.6367% | 2,093 |
| Noninterest expense to average assets | 2.8938% | 2,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2206% | 1,923 |
| Return on assets (ROA) | 1.2193% | 1,938 |
| Pretax return on assets | 1.6332% | 1,289 |
| Return on Equity (ROE) | 10.7428% | 2,074 |
| Retained earnings to average equity (ytd only) | 10.7428% | 957 |
| Net charge-offs to loans | -0.2575% | 5,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9016% | 3,494 |
| Assets per employee ($millions) | 4.3622% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7903% | 801 |
| Loan loss allowance to noncurrent loans | 329.1857% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4396% | 3,085 |
| Noncurrent loans to loans | 0.5438% | 2,896 |
| Net loans and leases to total assets | 79.3808% | 1,024 |
| Net loans and leases to deposits | 91.8580% | 1,469 |
| Net loans and leases to core deposits | 102.4526% | 1,489 |
| Total domestic deposits to total assets | 86.4169% | 2,352 |
| Equity capital to assets | 11.5927% | 2,063 |
| Core capital (leverage) ratio | 11.6949% | 1,854 |
| Tier 1 risk-based capital ratio | 14.0954% | 3,329 |
| Total risk-based capital ratio | 15.3517% | 3,242 |
| Memoranda: | ||
| Average total assets | $251,292,000 | 2,502 |
| Average earning assets | $233,630,500 | 2,505 |
| Average equity | $28,521,500 | 2,465 |
| Average total loans | $197,317,500 | 2,212 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6520% | 1,302 |
| Cost of funding earning assets | 0.5442% | 1,991 |
| Net interest margin | 4.1078% | 1,409 |
| Noninterest income to average assets | 0.6109% | 2,402 |
| Noninterest expense to average assets | 2.9738% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7888% | 3,211 |
| Return on assets (ROA) | 0.7931% | 3,238 |
| Pretax return on assets | 1.4096% | 1,960 |
| Return on Equity (ROE) | 6.8716% | 3,344 |
| Retained earnings to average equity (ytd only) | 6.7800% | 1,161 |
| Net charge-offs to loans | -0.0342% | 5,088 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9482% | 2,910 |
| Assets per employee ($millions) | 4.7025% | 2,859 |
| Cash dividends to net income (ytd only)* | 1.3326% | 4,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7923% | 788 |
| Loan loss allowance to noncurrent loans | 1,563.5135% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 4,688 |
| Noncurrent loans to loans | 0.1146% | 4,474 |
| Net loans and leases to total assets | 74.8957% | 1,773 |
| Net loans and leases to deposits | 85.2208% | 2,353 |
| Net loans and leases to core deposits | 95.1520% | 2,102 |
| Total domestic deposits to total assets | 87.8844% | 1,560 |
| Equity capital to assets | 11.1122% | 2,528 |
| Core capital (leverage) ratio | 11.5622% | 1,899 |
| Tier 1 risk-based capital ratio | 14.5367% | 3,073 |
| Total risk-based capital ratio | 15.7933% | 2,989 |
| Memoranda: | ||
| Average total assets | $236,529,200 | 2,595 |
| Average earning assets | $216,830,400 | 2,611 |
| Average equity | $27,300,800 | 2,523 |
| Average total loans | $178,213,800 | 2,350 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6069% | 1,350 |
| Cost of funding earning assets | 0.5406% | 1,953 |
| Net interest margin | 4.0663% | 1,493 |
| Noninterest income to average assets | 0.6070% | 2,438 |
| Noninterest expense to average assets | 3.0419% | 1,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8129% | 3,469 |
| Return on assets (ROA) | 0.8166% | 3,498 |
| Pretax return on assets | 1.2858% | 2,564 |
| Return on Equity (ROE) | 7.0035% | 3,657 |
| Retained earnings to average equity (ytd only) | 7.0035% | 1,684 |
| Net charge-offs to loans | -0.0742% | 5,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3827% | 2,474 |
| Assets per employee ($millions) | 4.2598% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9078% | 688 |
| Loan loss allowance to noncurrent loans | 254.6841% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 2,794 |
| Noncurrent loans to loans | 0.7491% | 2,489 |
| Net loans and leases to total assets | 75.5877% | 1,663 |
| Net loans and leases to deposits | 86.8355% | 2,204 |
| Net loans and leases to core deposits | 95.7406% | 2,105 |
| Total domestic deposits to total assets | 87.0471% | 1,854 |
| Equity capital to assets | 11.6664% | 2,217 |
| Core capital (leverage) ratio | 12.0599% | 1,646 |
| Tier 1 risk-based capital ratio | 14.9231% | 2,953 |
| Total risk-based capital ratio | 16.1809% | 2,871 |
| Memoranda: | ||
| Average total assets | $232,177,250 | 2,644 |
| Average earning assets | $212,110,500 | 2,666 |
| Average equity | $27,071,500 | 2,560 |
| Average total loans | $174,352,500 | 2,398 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 1,388 |
| Cost of funding earning assets | 0.5490% | 1,783 |
| Net interest margin | 4.0023% | 1,597 |
| Noninterest income to average assets | 0.5816% | 2,552 |
| Noninterest expense to average assets | 3.0393% | 2,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7538% | 3,620 |
| Return on assets (ROA) | 0.7616% | 3,631 |
| Pretax return on assets | 1.2049% | 2,756 |
| Return on Equity (ROE) | 6.5328% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.5328% | 1,829 |
| Net charge-offs to loans | 0.1238% | 1,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 12.9434% | 2,160 |
| Efficiency ratio | 71.8159% | 2,378 |
| Assets per employee ($millions) | 4.1616% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8782% | 750 |
| Loan loss allowance to noncurrent loans | 199.8790% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.7222% | 2,404 |
| Noncurrent loans to loans | 0.9397% | 2,088 |
| Net loans and leases to total assets | 75.4109% | 1,628 |
| Net loans and leases to deposits | 86.9842% | 2,104 |
| Net loans and leases to core deposits | 93.8362% | 2,167 |
| Total domestic deposits to total assets | 86.6949% | 2,090 |
| Equity capital to assets | 11.9324% | 1,974 |
| Core capital (leverage) ratio | 11.9063% | 1,690 |
| Tier 1 risk-based capital ratio | 15.2899% | 2,805 |
| Total risk-based capital ratio | 16.5476% | 2,734 |
| Memoranda: | ||
| Average total assets | $230,053,670 | 2,683 |
| Average earning assets | $209,828,000 | 2,699 |
| Average equity | $26,818,670 | 2,573 |
| Average total loans | $171,196,670 | 2,429 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4680% | 1,450 |
| Cost of funding earning assets | 0.5533% | 1,693 |
| Net interest margin | 3.9148% | 1,728 |
| Noninterest income to average assets | 0.3781% | 3,822 |
| Noninterest expense to average assets | 3.0559% | 1,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5637% | 4,317 |
| Return on assets (ROA) | 0.5637% | 4,359 |
| Pretax return on assets | 0.8810% | 3,831 |
| Return on Equity (ROE) | 4.8924% | 4,437 |
| Retained earnings to average equity (ytd only) | 4.8924% | 2,954 |
| Net charge-offs to loans | -0.1943% | 5,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6211% | 1,684 |
| Assets per employee ($millions) | 4.3184% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0641% | 593 |
| Loan loss allowance to noncurrent loans | 123.2616% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.2337% | 1,410 |
| Noncurrent loans to loans | 1.6746% | 1,150 |
| Net loans and leases to total assets | 71.0500% | 2,210 |
| Net loans and leases to deposits | 81.6004% | 2,556 |
| Net loans and leases to core deposits | 88.0291% | 2,543 |
| Total domestic deposits to total assets | 87.0707% | 2,180 |
| Equity capital to assets | 11.4665% | 2,204 |
| Core capital (leverage) ratio | 11.7121% | 1,821 |
| Tier 1 risk-based capital ratio | 15.3264% | 2,823 |
| Total risk-based capital ratio | 16.5856% | 2,754 |
| Memoranda: | ||
| Average total assets | $230,635,500 | 2,701 |
| Average earning assets | $209,666,500 | 2,726 |
| Average equity | $26,572,000 | 2,601 |
| Average total loans | $168,839,000 | 2,469 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 1,117 |
| Cost of funding earning assets | 0.5786% | 1,492 |
| Net interest margin | 4.0915% | 1,398 |
| Noninterest income to average assets | 0.6613% | 2,362 |
| Noninterest expense to average assets | 3.1013% | 2,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8428% | 3,097 |
| Return on assets (ROA) | 0.8428% | 3,212 |
| Pretax return on assets | 1.2551% | 2,449 |
| Return on Equity (ROE) | 7.1956% | 3,374 |
| Retained earnings to average equity (ytd only) | 5.9370% | 1,744 |
| Net charge-offs to loans | -0.0601% | 5,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1891% | 2,712 |
| Assets per employee ($millions) | 3.9324% | 4,091 |
| Cash dividends to net income (ytd only)* | 17.4919% | 3,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0237% | 627 |
| Loan loss allowance to noncurrent loans | 183.8275% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 1.1093% | 1,680 |
| Noncurrent loans to loans | 1.1009% | 1,888 |
| Net loans and leases to total assets | 72.3841% | 2,115 |
| Net loans and leases to deposits | 83.1230% | 2,523 |
| Net loans and leases to core deposits | 89.9989% | 2,498 |
| Total domestic deposits to total assets | 87.0808% | 2,098 |
| Equity capital to assets | 11.5771% | 2,101 |
| Core capital (leverage) ratio | 11.7429% | 1,766 |
| Tier 1 risk-based capital ratio | 15.2274% | 2,874 |
| Total risk-based capital ratio | 16.4864% | 2,803 |
| Memoranda: | ||
| Average total assets | $220,458,200 | 2,757 |
| Average earning assets | $199,094,400 | 2,800 |
| Average equity | $25,821,200 | 2,648 |
| Average total loans | $159,637,400 | 2,525 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7034% | 1,055 |
| Cost of funding earning assets | 0.5783% | 1,499 |
| Net interest margin | 4.1251% | 1,323 |
| Noninterest income to average assets | 0.6631% | 2,353 |
| Noninterest expense to average assets | 3.1436% | 1,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7858% | 3,433 |
| Return on assets (ROA) | 0.7858% | 3,571 |
| Pretax return on assets | 1.2402% | 2,653 |
| Return on Equity (ROE) | 6.6885% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.6885% | 1,791 |
| Net charge-offs to loans | -0.0830% | 5,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7089% | 2,616 |
| Assets per employee ($millions) | 3.7559% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1199% | 580 |
| Loan loss allowance to noncurrent loans | 145.7924% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.3610% | 1,380 |
| Noncurrent loans to loans | 1.4541% | 1,488 |
| Net loans and leases to total assets | 71.1124% | 2,332 |
| Net loans and leases to deposits | 82.2147% | 2,700 |
| Net loans and leases to core deposits | 89.5364% | 2,617 |
| Total domestic deposits to total assets | 86.4959% | 2,129 |
| Equity capital to assets | 11.8700% | 2,205 |
| Core capital (leverage) ratio | 11.8382% | 1,787 |
| Tier 1 risk-based capital ratio | 15.8357% | 2,690 |
| Total risk-based capital ratio | 17.0958% | 2,628 |
| Memoranda: | ||
| Average total assets | $218,553,000 | 2,782 |
| Average earning assets | $197,128,750 | 2,827 |
| Average equity | $25,675,250 | 2,679 |
| Average total loans | $157,421,000 | 2,559 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 1,012 |
| Cost of funding earning assets | 0.5737% | 1,512 |
| Net interest margin | 4.1454% | 1,244 |
| Noninterest income to average assets | 0.6610% | 2,323 |
| Noninterest expense to average assets | 3.0533% | 2,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8486% | 3,099 |
| Return on assets (ROA) | 0.8486% | 3,225 |
| Pretax return on assets | 1.3414% | 2,242 |
| Return on Equity (ROE) | 7.2490% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.2490% | 1,486 |
| Net charge-offs to loans | -0.0781% | 5,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4770% | 3,060 |
| Assets per employee ($millions) | 3.9164% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1124% | 614 |
| Loan loss allowance to noncurrent loans | 119.6315% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.3318% | 1,508 |
| Noncurrent loans to loans | 1.7658% | 1,183 |
| Net loans and leases to total assets | 71.3297% | 2,280 |
| Net loans and leases to deposits | 82.4280% | 2,658 |
| Net loans and leases to core deposits | 89.2546% | 2,609 |
| Total domestic deposits to total assets | 86.5357% | 2,150 |
| Equity capital to assets | 11.8507% | 2,231 |
| Core capital (leverage) ratio | 11.8225% | 1,750 |
| Tier 1 risk-based capital ratio | 15.6832% | 2,791 |
| Total risk-based capital ratio | 16.9435% | 2,724 |
| Memoranda: | ||
| Average total assets | $217,537,330 | 2,796 |
| Average earning assets | $195,929,000 | 2,858 |
| Average equity | $25,465,670 | 2,707 |
| Average total loans | $156,228,670 | 2,575 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7013% | 1,046 |
| Cost of funding earning assets | 0.5614% | 1,610 |
| Net interest margin | 4.1398% | 1,236 |
| Noninterest income to average assets | 0.6610% | 2,213 |
| Noninterest expense to average assets | 3.0409% | 2,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8290% | 3,101 |
| Return on assets (ROA) | 0.8290% | 3,230 |
| Pretax return on assets | 1.3367% | 2,153 |
| Return on Equity (ROE) | 7.1261% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.1261% | 1,830 |
| Net charge-offs to loans | -0.0907% | 5,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4644% | 3,221 |
| Assets per employee ($millions) | 4.0900% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1447% | 633 |
| Loan loss allowance to noncurrent loans | 123.3886% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.7438% | 1,087 |
| Noncurrent loans to loans | 1.7382% | 1,286 |
| Net loans and leases to total assets | 70.5113% | 2,267 |
| Net loans and leases to deposits | 81.8121% | 2,569 |
| Net loans and leases to core deposits | 88.4634% | 2,517 |
| Total domestic deposits to total assets | 86.1868% | 2,594 |
| Equity capital to assets | 11.7488% | 2,203 |
| Core capital (leverage) ratio | 11.7456% | 1,797 |
| Tier 1 risk-based capital ratio | 15.5559% | 2,887 |
| Total risk-based capital ratio | 16.8159% | 2,813 |
| Memoranda: | ||
| Average total assets | $216,645,500 | 2,814 |
| Average earning assets | $194,501,000 | 2,880 |
| Average equity | $25,203,000 | 2,729 |
| Average total loans | $154,434,500 | 2,593 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 788 |
| Cost of funding earning assets | 0.5808% | 1,490 |
| Net interest margin | 4.3096% | 946 |
| Noninterest income to average assets | 0.8213% | 1,702 |
| Noninterest expense to average assets | 3.0671% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0541% | 2,109 |
| Return on assets (ROA) | 1.0084% | 2,407 |
| Pretax return on assets | 1.5206% | 1,490 |
| Return on Equity (ROE) | 8.8878% | 2,508 |
| Retained earnings to average equity (ytd only) | 4.0078% | 3,174 |
| Net charge-offs to loans | -0.0091% | 5,088 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8606% | 3,926 |
| Assets per employee ($millions) | 4.0853% | 3,785 |
| Cash dividends to net income (ytd only)* | 54.9065% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1713% | 621 |
| Loan loss allowance to noncurrent loans | 124.0180% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.9028% | 956 |
| Noncurrent loans to loans | 1.7508% | 1,280 |
| Net loans and leases to total assets | 68.9802% | 2,549 |
| Net loans and leases to deposits | 79.6544% | 2,861 |
| Net loans and leases to core deposits | 85.9450% | 2,802 |
| Total domestic deposits to total assets | 86.5994% | 2,326 |
| Equity capital to assets | 11.5176% | 2,340 |
| Core capital (leverage) ratio | 11.5659% | 1,910 |
| Tier 1 risk-based capital ratio | 13.8631% | 3,795 |
| Total risk-based capital ratio | 15.1205% | 3,720 |
| Memoranda: | ||
| Average total assets | $212,217,000 | 2,821 |
| Average earning assets | $188,881,600 | 2,904 |
| Average equity | $24,078,000 | 2,778 |
| Average total loans | $143,059,800 | 2,692 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9481% | 688 |
| Cost of funding earning assets | 0.5866% | 1,483 |
| Net interest margin | 4.3614% | 857 |
| Noninterest income to average assets | 0.8493% | 1,621 |
| Noninterest expense to average assets | 3.0879% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0454% | 2,241 |
| Return on assets (ROA) | 0.9731% | 2,688 |
| Pretax return on assets | 1.5263% | 1,608 |
| Return on Equity (ROE) | 8.6101% | 2,777 |
| Retained earnings to average equity (ytd only) | 3.0228% | 4,289 |
| Net charge-offs to loans | -0.3062% | 6,085 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3219% | 4,008 |
| Assets per employee ($millions) | 4.1033% | 3,694 |
| Cash dividends to net income (ytd only)* | 64.8928% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4433% | 472 |
| Loan loss allowance to noncurrent loans | 115.5981% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 2.3982% | 745 |
| Noncurrent loans to loans | 2.1136% | 1,067 |
| Net loans and leases to total assets | 67.8171% | 2,703 |
| Net loans and leases to deposits | 78.6274% | 3,030 |
| Net loans and leases to core deposits | 85.0838% | 2,945 |
| Total domestic deposits to total assets | 86.2512% | 2,411 |
| Equity capital to assets | 11.5278% | 2,483 |
| Core capital (leverage) ratio | 11.3408% | 2,156 |
| Tier 1 risk-based capital ratio | 13.8442% | 3,942 |
| Total risk-based capital ratio | 15.1041% | 3,879 |
| Memoranda: | ||
| Average total assets | $211,141,250 | 2,852 |
| Average earning assets | $187,731,250 | 2,941 |
| Average equity | $23,863,000 | 2,817 |
| Average total loans | $140,657,000 | 2,736 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 720 |
| Cost of funding earning assets | 0.5886% | 1,494 |
| Net interest margin | 4.3182% | 886 |
| Noninterest income to average assets | 0.7291% | 2,100 |
| Noninterest expense to average assets | 3.0447% | 2,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9739% | 2,520 |
| Return on assets (ROA) | 0.8650% | 3,161 |
| Pretax return on assets | 1.3498% | 2,183 |
| Return on Equity (ROE) | 7.7059% | 3,208 |
| Retained earnings to average equity (ytd only) | -0.7621% | 5,655 |
| Net charge-offs to loans | -0.2723% | 6,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7014% | 3,883 |
| Assets per employee ($millions) | 4.0350% | 3,812 |
| Cash dividends to net income (ytd only)* | 109.8901% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4196% | 535 |
| Loan loss allowance to noncurrent loans | 93.3887% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 2.6111% | 705 |
| Noncurrent loans to loans | 2.5909% | 850 |
| Net loans and leases to total assets | 65.7957% | 2,987 |
| Net loans and leases to deposits | 75.8445% | 3,291 |
| Net loans and leases to core deposits | 81.7716% | 3,203 |
| Total domestic deposits to total assets | 86.7507% | 2,295 |
| Equity capital to assets | 11.0716% | 2,818 |
| Core capital (leverage) ratio | 11.2708% | 2,188 |
| Tier 1 risk-based capital ratio | 13.6996% | 4,097 |
| Total risk-based capital ratio | 14.9588% | 4,029 |
| Memoranda: | ||
| Average total assets | $210,398,000 | 2,882 |
| Average earning assets | $186,881,330 | 2,962 |
| Average equity | $23,618,330 | 2,850 |
| Average total loans | $138,100,670 | 2,771 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 755 |
| Cost of funding earning assets | 0.5987% | 1,446 |
| Net interest margin | 4.2663% | 948 |
| Noninterest income to average assets | 0.6709% | 2,303 |
| Noninterest expense to average assets | 3.0651% | 2,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9012% | 2,735 |
| Return on assets (ROA) | 0.6632% | 4,110 |
| Pretax return on assets | 1.0236% | 3,411 |
| Return on Equity (ROE) | 5.8671% | 4,096 |
| Retained earnings to average equity (ytd only) | -11.0899% | 6,155 |
| Net charge-offs to loans | -0.2488% | 6,105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8038% | 3,696 |
| Assets per employee ($millions) | 3.8926% | 4,179 |
| Cash dividends to net income (ytd only)* | 289.0173% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4734% | 552 |
| Loan loss allowance to noncurrent loans | 70.6533% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 3.1408% | 578 |
| Noncurrent loans to loans | 3.5007% | 553 |
| Net loans and leases to total assets | 63.4970% | 3,163 |
| Net loans and leases to deposits | 72.0742% | 3,528 |
| Net loans and leases to core deposits | 78.0575% | 3,374 |
| Total domestic deposits to total assets | 88.0995% | 1,759 |
| Equity capital to assets | 11.1750% | 2,783 |
| Core capital (leverage) ratio | 11.1228% | 2,293 |
| Tier 1 risk-based capital ratio | 14.1107% | 3,940 |
| Total risk-based capital ratio | 15.3702% | 3,862 |
| Memoranda: | ||
| Average total assets | $208,670,500 | 2,925 |
| Average earning assets | $185,080,500 | 2,995 |
| Average equity | $23,589,000 | 2,875 |
| Average total loans | $135,053,500 | 2,828 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9013% | 922 |
| Cost of funding earning assets | 0.7071% | 1,065 |
| Net interest margin | 4.1942% | 1,316 |
| Noninterest income to average assets | 0.8711% | 1,602 |
| Noninterest expense to average assets | 3.1455% | 2,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9794% | 2,484 |
| Return on assets (ROA) | 0.9794% | 2,561 |
| Pretax return on assets | 1.4854% | 1,599 |
| Return on Equity (ROE) | 9.2502% | 2,464 |
| Retained earnings to average equity (ytd only) | 5.9820% | 1,939 |
| Net charge-offs to loans | -0.1178% | 6,157 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9241% | 3,909 |
| Assets per employee ($millions) | 3.8359% | 4,272 |
| Cash dividends to net income (ytd only)* | 35.3314% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4773% | 565 |
| Loan loss allowance to noncurrent loans | 49.4532% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 4.1716% | 395 |
| Noncurrent loans to loans | 5.0094% | 294 |
| Net loans and leases to total assets | 62.7352% | 3,401 |
| Net loans and leases to deposits | 71.4779% | 3,738 |
| Net loans and leases to core deposits | 76.4015% | 3,665 |
| Total domestic deposits to total assets | 87.7686% | 1,887 |
| Equity capital to assets | 11.4358% | 2,486 |
| Core capital (leverage) ratio | 11.4494% | 2,012 |
| Tier 1 risk-based capital ratio | 16.8914% | 2,556 |
| Total risk-based capital ratio | 18.1550% | 2,501 |
| Memoranda: | ||
| Average total assets | $209,508,400 | 2,877 |
| Average earning assets | $187,808,200 | 2,938 |
| Average equity | $22,183,400 | 2,931 |
| Average total loans | $132,422,200 | 2,822 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8832% | 964 |
| Cost of funding earning assets | 0.7262% | 1,013 |
| Net interest margin | 4.1570% | 1,407 |
| Noninterest income to average assets | 0.8237% | 1,803 |
| Noninterest expense to average assets | 3.0968% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9335% | 2,760 |
| Return on assets (ROA) | 0.9335% | 2,851 |
| Pretax return on assets | 1.4647% | 1,757 |
| Return on Equity (ROE) | 8.9937% | 2,688 |
| Retained earnings to average equity (ytd only) | 4.5611% | 3,400 |
| Net charge-offs to loans | 0.3257% | 1,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 7.1455% | 2,972 |
| Efficiency ratio | 67.8909% | 3,877 |
| Assets per employee ($millions) | 3.8572% | 4,173 |
| Cash dividends to net income (ytd only)* | 49.2862% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0986% | 1,095 |
| Loan loss allowance to noncurrent loans | 35.8987% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 4.4039% | 424 |
| Noncurrent loans to loans | 5.8459% | 248 |
| Net loans and leases to total assets | 63.2039% | 3,312 |
| Net loans and leases to deposits | 71.9384% | 3,689 |
| Net loans and leases to core deposits | 77.9914% | 3,538 |
| Total domestic deposits to total assets | 87.8583% | 1,836 |
| Equity capital to assets | 10.9549% | 3,000 |
| Core capital (leverage) ratio | 11.0511% | 2,437 |
| Tier 1 risk-based capital ratio | 16.4089% | 2,851 |
| Total risk-based capital ratio | 17.6685% | 2,799 |
| Memoranda: | ||
| Average total assets | $210,100,750 | 2,900 |
| Average earning assets | $188,914,750 | 2,947 |
| Average equity | $21,807,250 | 2,969 |
| Average total loans | $132,215,250 | 2,827 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8254% | 1,026 |
| Cost of funding earning assets | 0.7450% | 945 |
| Net interest margin | 4.0805% | 1,573 |
| Noninterest income to average assets | 0.8581% | 1,628 |
| Noninterest expense to average assets | 3.1001% | 2,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9112% | 2,745 |
| Return on assets (ROA) | 0.9112% | 2,849 |
| Pretax return on assets | 1.4285% | 1,792 |
| Return on Equity (ROE) | 8.9426% | 2,623 |
| Retained earnings to average equity (ytd only) | 2.1891% | 4,794 |
| Net charge-offs to loans | 0.4701% | 860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.8706% | 3,030 |
| Efficiency ratio | 68.4553% | 3,925 |
| Assets per employee ($millions) | 3.9233% | 4,010 |
| Cash dividends to net income (ytd only)* | 75.5208% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1467% | 1,091 |
| Loan loss allowance to noncurrent loans | 40.7999% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 3.8379% | 578 |
| Noncurrent loans to loans | 5.2615% | 366 |
| Net loans and leases to total assets | 61.0194% | 3,559 |
| Net loans and leases to deposits | 68.9654% | 3,943 |
| Net loans and leases to core deposits | 74.5879% | 3,774 |
| Total domestic deposits to total assets | 88.4782% | 1,651 |
| Equity capital to assets | 10.4754% | 3,472 |
| Core capital (leverage) ratio | 10.7474% | 2,675 |
| Tier 1 risk-based capital ratio | 16.1544% | 3,004 |
| Total risk-based capital ratio | 17.4138% | 2,947 |
| Memoranda: | ||
| Average total assets | $210,704,000 | 2,906 |
| Average earning assets | $189,537,000 | 2,956 |
| Average equity | $21,470,330 | 3,001 |
| Average total loans | $131,463,670 | 2,849 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7927% | 1,064 |
| Cost of funding earning assets | 0.7753% | 857 |
| Net interest margin | 4.0174% | 1,696 |
| Noninterest income to average assets | 0.7862% | 1,814 |
| Noninterest expense to average assets | 3.0020% | 2,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9023% | 2,637 |
| Return on assets (ROA) | 0.9023% | 2,708 |
| Pretax return on assets | 1.4144% | 1,700 |
| Return on Equity (ROE) | 8.9820% | 2,470 |
| Retained earnings to average equity (ytd only) | -4.7563% | 6,105 |
| Net charge-offs to loans | 0.3721% | 971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.0902% | 2,281 |
| Efficiency ratio | 67.9741% | 4,189 |
| Assets per employee ($millions) | 3.7719% | 4,378 |
| Cash dividends to net income (ytd only)* | 152.9536% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3466% | 970 |
| Loan loss allowance to noncurrent loans | 58.4267% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 3.1071% | 895 |
| Noncurrent loans to loans | 4.0162% | 673 |
| Net loans and leases to total assets | 59.5595% | 3,627 |
| Net loans and leases to deposits | 67.0447% | 3,968 |
| Net loans and leases to core deposits | 72.7014% | 3,794 |
| Total domestic deposits to total assets | 88.8355% | 1,761 |
| Equity capital to assets | 10.0561% | 3,780 |
| Core capital (leverage) ratio | 10.5353% | 2,884 |
| Tier 1 risk-based capital ratio | 16.1433% | 3,093 |
| Total risk-based capital ratio | 17.4052% | 3,047 |
| Memoranda: | ||
| Average total assets | $210,126,500 | 2,931 |
| Average earning assets | $189,872,500 | 2,971 |
| Average equity | $21,109,000 | 3,037 |
| Average total loans | $131,140,000 | 2,861 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9447% | 1,011 |
| Cost of funding earning assets | 0.9836% | 488 |
| Net interest margin | 3.9611% | 2,063 |
| Noninterest income to average assets | 0.6931% | 2,577 |
| Noninterest expense to average assets | 3.0597% | 2,868 |
| Loan and lease loss provision to assets | 0.2182% | 1,670 |
| Net operating income to assets | 0.6511% | 4,027 |
| Return on assets (ROA) | 0.6626% | 4,070 |
| Pretax return on assets | 0.9812% | 3,428 |
| Return on Equity (ROE) | 6.6009% | 3,777 |
| Retained earnings to average equity (ytd only) | 3.2116% | 3,944 |
| Net charge-offs to loans | 0.0470% | 4,564 |
| Credit loss provision to net charge-offs | 750.0000% | 328 |
| Earnings coverage of net charge-offs (x) | 40.6452% | 931 |
| Efficiency ratio | 72.1239% | 3,453 |
| Assets per employee ($millions) | 4.0198% | 3,830 |
| Cash dividends to net income (ytd only)* | 51.3456% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3566% | 979 |
| Loan loss allowance to noncurrent loans | 63.1273% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 3.0843% | 1,011 |
| Noncurrent loans to loans | 3.7331% | 802 |
| Net loans and leases to total assets | 62.3397% | 3,313 |
| Net loans and leases to deposits | 70.0581% | 3,777 |
| Net loans and leases to core deposits | 76.0412% | 3,604 |
| Total domestic deposits to total assets | 88.9829% | 1,643 |
| Equity capital to assets | 10.0354% | 3,719 |
| Core capital (leverage) ratio | 10.5754% | 2,814 |
| Tier 1 risk-based capital ratio | 16.0303% | 3,082 |
| Total risk-based capital ratio | 17.2923% | 3,028 |
| Memoranda: | ||
| Average total assets | $213,096,000 | 2,877 |
| Average earning assets | $190,933,600 | 2,942 |
| Average equity | $21,391,000 | 2,993 |
| Average total loans | $131,831,200 | 2,828 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9255% | 1,073 |
| Cost of funding earning assets | 1.0169% | 451 |
| Net interest margin | 3.9087% | 2,240 |
| Noninterest income to average assets | 0.7068% | 2,568 |
| Noninterest expense to average assets | 2.9442% | 3,155 |
| Loan and lease loss provision to assets | 0.2896% | 1,189 |
| Net operating income to assets | 0.6252% | 4,240 |
| Return on assets (ROA) | 0.6252% | 4,364 |
| Pretax return on assets | 0.9652% | 3,629 |
| Return on Equity (ROE) | 6.2278% | 4,060 |
| Retained earnings to average equity (ytd only) | 1.7306% | 5,275 |
| Net charge-offs to loans | 0.1146% | 3,402 |
| Credit loss provision to net charge-offs | 411.5044% | 649 |
| Earnings coverage of net charge-offs (x) | 17.8322% | 1,711 |
| Efficiency ratio | 70.1172% | 3,744 |
| Assets per employee ($millions) | 3.8013% | 4,238 |
| Cash dividends to net income (ytd only)* | 72.2111% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3566% | 1,097 |
| Loan loss allowance to noncurrent loans | 59.4200% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 3.3964% | 1,013 |
| Noncurrent loans to loans | 3.9660% | 887 |
| Net loans and leases to total assets | 60.2230% | 3,665 |
| Net loans and leases to deposits | 67.7107% | 4,100 |
| Net loans and leases to core deposits | 74.1277% | 3,830 |
| Total domestic deposits to total assets | 88.9417% | 1,587 |
| Equity capital to assets | 9.9177% | 4,025 |
| Core capital (leverage) ratio | 10.3386% | 3,186 |
| Tier 1 risk-based capital ratio | 15.6784% | 3,362 |
| Total risk-based capital ratio | 16.9412% | 3,313 |
| Memoranda: | ||
| Average total assets | $214,112,750 | 2,900 |
| Average earning assets | $191,297,250 | 2,957 |
| Average equity | $21,494,500 | 3,016 |
| Average total loans | $131,425,750 | 2,847 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 934 |
| Cost of funding earning assets | 1.0343% | 456 |
| Net interest margin | 3.9489% | 2,048 |
| Noninterest income to average assets | 0.7160% | 2,565 |
| Noninterest expense to average assets | 2.9600% | 3,125 |
| Loan and lease loss provision to assets | 0.4335% | 684 |
| Net operating income to assets | 0.5500% | 4,554 |
| Return on assets (ROA) | 0.5500% | 4,719 |
| Pretax return on assets | 0.8428% | 4,144 |
| Return on Equity (ROE) | 5.4574% | 4,484 |
| Retained earnings to average equity (ytd only) | -1.2487% | 6,085 |
| Net charge-offs to loans | 0.2845% | 2,060 |
| Credit loss provision to net charge-offs | 248.6631% | 1,016 |
| Earnings coverage of net charge-offs (x) | 7.3209% | 2,564 |
| Efficiency ratio | 69.8724% | 3,855 |
| Assets per employee ($millions) | 3.9992% | 3,803 |
| Cash dividends to net income (ytd only)* | 122.8814% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3465% | 1,177 |
| Loan loss allowance to noncurrent loans | 60.5332% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 3.5623% | 1,060 |
| Noncurrent loans to loans | 3.8764% | 1,028 |
| Net loans and leases to total assets | 58.1970% | 3,954 |
| Net loans and leases to deposits | 65.1561% | 4,363 |
| Net loans and leases to core deposits | 70.7245% | 4,194 |
| Total domestic deposits to total assets | 89.3192% | 1,434 |
| Equity capital to assets | 9.6496% | 4,390 |
| Core capital (leverage) ratio | 9.9908% | 3,539 |
| Tier 1 risk-based capital ratio | 15.6176% | 3,418 |
| Total risk-based capital ratio | 16.8786% | 3,357 |
| Memoranda: | ||
| Average total assets | $214,526,330 | 2,910 |
| Average earning assets | $191,241,670 | 2,975 |
| Average equity | $21,622,000 | 3,024 |
| Average total loans | $131,470,330 | 2,857 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8280% | 1,233 |
| Cost of funding earning assets | 1.0528% | 467 |
| Net interest margin | 3.7752% | 2,543 |
| Noninterest income to average assets | 0.6754% | 2,719 |
| Noninterest expense to average assets | 2.7089% | 4,022 |
| Loan and lease loss provision to assets | 0.2956% | 1,181 |
| Net operating income to assets | 0.6604% | 3,902 |
| Return on assets (ROA) | 0.6604% | 4,060 |
| Pretax return on assets | 1.0252% | 3,244 |
| Return on Equity (ROE) | 6.4142% | 3,813 |
| Retained earnings to average equity (ytd only) | -6.7595% | 6,459 |
| Net charge-offs to loans | 0.4275% | 1,389 |
| Credit loss provision to net charge-offs | 111.2676% | 1,680 |
| Earnings coverage of net charge-offs (x) | 4.9718% | 2,433 |
| Efficiency ratio | 67.2238% | 4,458 |
| Assets per employee ($millions) | 4.0786% | 3,781 |
| Cash dividends to net income (ytd only)* | 205.3824% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1162% | 1,761 |
| Loan loss allowance to noncurrent loans | 45.3171% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 4.2250% | 905 |
| Noncurrent loans to loans | 4.6698% | 865 |
| Net loans and leases to total assets | 59.0148% | 3,603 |
| Net loans and leases to deposits | 66.3604% | 4,008 |
| Net loans and leases to core deposits | 72.0946% | 3,806 |
| Total domestic deposits to total assets | 88.9307% | 1,720 |
| Equity capital to assets | 10.0640% | 4,059 |
| Core capital (leverage) ratio | 10.0542% | 3,313 |
| Tier 1 risk-based capital ratio | 15.2550% | 3,679 |
| Total risk-based capital ratio | 16.5154% | 3,629 |
| Memoranda: | ||
| Average total assets | $213,810,500 | 2,942 |
| Average earning assets | $189,975,000 | 3,012 |
| Average equity | $22,013,500 | 3,026 |
| Average total loans | $132,855,000 | 2,842 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3329% | 863 |
| Cost of funding earning assets | 1.1376% | 779 |
| Net interest margin | 4.1953% | 1,678 |
| Noninterest income to average assets | 0.7944% | 2,286 |
| Noninterest expense to average assets | 3.2065% | 2,585 |
| Loan and lease loss provision to assets | 0.3028% | 2,256 |
| Net operating income to assets | 0.6647% | 3,913 |
| Return on assets (ROA) | 0.6647% | 4,179 |
| Pretax return on assets | 0.9770% | 3,633 |
| Return on Equity (ROE) | 6.3136% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.4875% | 3,077 |
| Net charge-offs to loans | 0.6459% | 1,822 |
| Credit loss provision to net charge-offs | 70.9459% | 4,129 |
| Earnings coverage of net charge-offs (x) | 2.9989% | 3,928 |
| Efficiency ratio | 71.4730% | 3,524 |
| Assets per employee ($millions) | 4.0664% | 3,820 |
| Cash dividends to net income (ytd only)* | 28.9226% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0254% | 1,951 |
| Loan loss allowance to noncurrent loans | 43.5722% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 4.4279% | 941 |
| Noncurrent loans to loans | 4.6483% | 903 |
| Net loans and leases to total assets | 62.7273% | 3,112 |
| Net loans and leases to deposits | 70.8876% | 3,578 |
| Net loans and leases to core deposits | 77.2771% | 3,362 |
| Total domestic deposits to total assets | 88.4883% | 1,906 |
| Equity capital to assets | 10.5327% | 3,487 |
| Core capital (leverage) ratio | 10.3447% | 2,953 |
| Tier 1 risk-based capital ratio | 15.1970% | 3,613 |
| Total risk-based capital ratio | 16.4555% | 3,554 |
| Memoranda: | ||
| Average total assets | $208,075,600 | 2,950 |
| Average earning assets | $183,109,800 | 3,051 |
| Average equity | $21,905,200 | 2,987 |
| Average total loans | $137,482,600 | 2,749 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4421% | 760 |
| Cost of funding earning assets | 1.1500% | 866 |
| Net interest margin | 4.2921% | 1,492 |
| Noninterest income to average assets | 0.7997% | 2,239 |
| Noninterest expense to average assets | 3.2581% | 2,401 |
| Loan and lease loss provision to assets | 0.3037% | 2,175 |
| Net operating income to assets | 0.6550% | 4,117 |
| Return on assets (ROA) | 0.6550% | 4,384 |
| Pretax return on assets | 1.0056% | 3,685 |
| Return on Equity (ROE) | 6.2223% | 4,219 |
| Retained earnings to average equity (ytd only) | 6.2223% | 2,548 |
| Net charge-offs to loans | 0.6338% | 1,737 |
| Credit loss provision to net charge-offs | 71.9512% | 3,855 |
| Earnings coverage of net charge-offs (x) | 3.1022% | 3,782 |
| Efficiency ratio | 71.3340% | 3,443 |
| Assets per employee ($millions) | 4.0341% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0584% | 2,012 |
| Loan loss allowance to noncurrent loans | 41.6137% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 5.0997% | 867 |
| Noncurrent loans to loans | 4.9465% | 919 |
| Net loans and leases to total assets | 63.8727% | 3,043 |
| Net loans and leases to deposits | 72.6535% | 3,506 |
| Net loans and leases to core deposits | 79.6984% | 3,241 |
| Total domestic deposits to total assets | 87.9142% | 2,097 |
| Equity capital to assets | 10.6505% | 3,670 |
| Core capital (leverage) ratio | 10.4637% | 2,962 |
| Tier 1 risk-based capital ratio | 14.8951% | 3,924 |
| Total risk-based capital ratio | 16.1519% | 3,875 |
| Memoranda: | ||
| Average total assets | $207,230,750 | 2,995 |
| Average earning assets | $181,912,000 | 3,093 |
| Average equity | $21,813,500 | 3,018 |
| Average total loans | $138,007,750 | 2,775 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5055% | 716 |
| Cost of funding earning assets | 1.1642% | 965 |
| Net interest margin | 4.3413% | 1,361 |
| Noninterest income to average assets | 0.8441% | 1,989 |
| Noninterest expense to average assets | 3.2047% | 2,567 |
| Loan and lease loss provision to assets | 0.3053% | 2,158 |
| Net operating income to assets | 0.7346% | 3,684 |
| Return on assets (ROA) | 0.7346% | 3,952 |
| Pretax return on assets | 1.1358% | 3,163 |
| Return on Equity (ROE) | 7.0064% | 3,776 |
| Retained earnings to average equity (ytd only) | 7.0064% | 2,100 |
| Net charge-offs to loans | 0.2167% | 3,280 |
| Credit loss provision to net charge-offs | 210.0000% | 1,341 |
| Earnings coverage of net charge-offs (x) | 9.9133% | 2,119 |
| Efficiency ratio | 68.9821% | 3,943 |
| Assets per employee ($millions) | 3.9361% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2768% | 1,631 |
| Loan loss allowance to noncurrent loans | 58.2444% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 4.5568% | 1,082 |
| Noncurrent loans to loans | 3.9090% | 1,423 |
| Net loans and leases to total assets | 65.1191% | 2,827 |
| Net loans and leases to deposits | 73.6677% | 3,348 |
| Net loans and leases to core deposits | 80.7575% | 3,122 |
| Total domestic deposits to total assets | 88.3957% | 1,891 |
| Equity capital to assets | 10.5794% | 3,591 |
| Core capital (leverage) ratio | 10.3719% | 2,960 |
| Tier 1 risk-based capital ratio | 14.6094% | 4,030 |
| Total risk-based capital ratio | 15.8704% | 3,983 |
| Memoranda: | ||
| Average total assets | $206,382,670 | 3,016 |
| Average earning assets | $180,727,330 | 3,119 |
| Average equity | $21,637,330 | 3,025 |
| Average total loans | $138,408,670 | 2,781 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6251% | 596 |
| Cost of funding earning assets | 1.1839% | 1,053 |
| Net interest margin | 4.4412% | 1,130 |
| Noninterest income to average assets | 0.8730% | 1,858 |
| Noninterest expense to average assets | 2.9776% | 3,341 |
| Loan and lease loss provision to assets | 0.3079% | 2,042 |
| Net operating income to assets | 0.9412% | 2,739 |
| Return on assets (ROA) | 0.9412% | 2,947 |
| Pretax return on assets | 1.4693% | 1,966 |
| Return on Equity (ROE) | 9.0192% | 2,820 |
| Retained earnings to average equity (ytd only) | 9.0192% | 1,587 |
| Net charge-offs to loans | 0.1130% | 3,447 |
| Credit loss provision to net charge-offs | 405.1282% | 775 |
| Earnings coverage of net charge-offs (x) | 23.3846% | 1,095 |
| Efficiency ratio | 62.6230% | 5,168 |
| Assets per employee ($millions) | 3.8346% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2809% | 1,711 |
| Loan loss allowance to noncurrent loans | 72.5012% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 4.4468% | 1,209 |
| Noncurrent loans to loans | 3.1460% | 2,039 |
| Net loans and leases to total assets | 64.5324% | 2,754 |
| Net loans and leases to deposits | 72.9105% | 3,281 |
| Net loans and leases to core deposits | 80.0832% | 3,060 |
| Total domestic deposits to total assets | 88.5091% | 2,008 |
| Equity capital to assets | 10.4502% | 3,555 |
| Core capital (leverage) ratio | 10.3785% | 2,899 |
| Tier 1 risk-based capital ratio | 14.6567% | 3,979 |
| Total risk-based capital ratio | 15.9175% | 3,937 |
| Memoranda: | ||
| Average total assets | $205,267,500 | 3,047 |
| Average earning assets | $179,409,500 | 3,156 |
| Average equity | $21,421,000 | 3,055 |
| Average total loans | $138,107,000 | 2,811 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8015% | 642 |
| Cost of funding earning assets | 1.3724% | 1,154 |
| Net interest margin | 4.4291% | 1,312 |
| Noninterest income to average assets | 0.7293% | 2,446 |
| Noninterest expense to average assets | 3.0399% | 3,438 |
| Loan and lease loss provision to assets | 0.7640% | 1,307 |
| Net operating income to assets | 0.5742% | 4,121 |
| Return on assets (ROA) | 0.5742% | 4,308 |
| Pretax return on assets | 0.8369% | 3,838 |
| Return on Equity (ROE) | 5.6806% | 4,039 |
| Retained earnings to average equity (ytd only) | 3.9338% | 3,405 |
| Net charge-offs to loans | 1.1995% | 1,403 |
| Credit loss provision to net charge-offs | 90.9197% | 3,969 |
| Earnings coverage of net charge-offs (x) | 1.9051% | 4,347 |
| Efficiency ratio | 65.5038% | 4,866 |
| Assets per employee ($millions) | 3.8390% | 4,231 |
| Cash dividends to net income (ytd only)* | 30.7496% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1510% | 1,895 |
| Loan loss allowance to noncurrent loans | 59.4059% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 4.1741% | 1,355 |
| Noncurrent loans to loans | 3.6209% | 1,760 |
| Net loans and leases to total assets | 67.0718% | 2,567 |
| Net loans and leases to deposits | 75.6589% | 3,225 |
| Net loans and leases to core deposits | 83.1185% | 3,005 |
| Total domestic deposits to total assets | 88.6502% | 1,751 |
| Equity capital to assets | 10.4209% | 3,621 |
| Core capital (leverage) ratio | 10.1857% | 3,106 |
| Tier 1 risk-based capital ratio | 14.0062% | 4,321 |
| Total risk-based capital ratio | 15.2659% | 4,269 |
| Memoranda: | ||
| Average total assets | $204,449,600 | 3,005 |
| Average earning assets | $180,555,200 | 3,083 |
| Average equity | $20,667,000 | 3,047 |
| Average total loans | $143,226,200 | 2,736 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7858% | 716 |
| Cost of funding earning assets | 1.4069% | 1,205 |
| Net interest margin | 4.3789% | 1,464 |
| Noninterest income to average assets | 0.7751% | 2,168 |
| Noninterest expense to average assets | 3.0998% | 3,162 |
| Loan and lease loss provision to assets | 0.4104% | 2,414 |
| Net operating income to assets | 0.7308% | 3,461 |
| Return on assets (ROA) | 0.7308% | 3,642 |
| Pretax return on assets | 1.1412% | 2,853 |
| Return on Equity (ROE) | 7.2856% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.2856% | 1,816 |
| Net charge-offs to loans | 0.9535% | 1,688 |
| Credit loss provision to net charge-offs | 61.1057% | 4,776 |
| Earnings coverage of net charge-offs (x) | 2.3104% | 3,974 |
| Efficiency ratio | 66.6433% | 4,594 |
| Assets per employee ($millions) | 3.8569% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 2,497 |
| Loan loss allowance to noncurrent loans | 45.0679% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 4.7848% | 1,224 |
| Noncurrent loans to loans | 4.3096% | 1,524 |
| Net loans and leases to total assets | 68.0423% | 2,486 |
| Net loans and leases to deposits | 76.9231% | 3,175 |
| Net loans and leases to core deposits | 83.8700% | 3,079 |
| Total domestic deposits to total assets | 88.4550% | 1,783 |
| Equity capital to assets | 10.5109% | 3,696 |
| Core capital (leverage) ratio | 10.3536% | 3,030 |
| Tier 1 risk-based capital ratio | 14.0966% | 4,284 |
| Total risk-based capital ratio | 15.2913% | 4,296 |
| Memoranda: | ||
| Average total assets | $204,695,250 | 3,025 |
| Average earning assets | $181,196,500 | 3,094 |
| Average equity | $20,533,000 | 3,068 |
| Average total loans | $144,165,500 | 2,744 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8273% | 679 |
| Cost of funding earning assets | 1.4370% | 1,249 |
| Net interest margin | 4.3903% | 1,395 |
| Noninterest income to average assets | 0.7666% | 2,173 |
| Noninterest expense to average assets | 3.1047% | 3,234 |
| Loan and lease loss provision to assets | 0.4619% | 2,128 |
| Net operating income to assets | 0.6993% | 3,552 |
| Return on assets (ROA) | 0.6993% | 3,663 |
| Pretax return on assets | 1.0880% | 2,903 |
| Return on Equity (ROE) | 7.0837% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.0837% | 1,843 |
| Net charge-offs to loans | 1.0791% | 1,460 |
| Credit loss provision to net charge-offs | 60.4859% | 4,329 |
| Earnings coverage of net charge-offs (x) | 2.0294% | 3,845 |
| Efficiency ratio | 66.7016% | 4,745 |
| Assets per employee ($millions) | 3.7211% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0123% | 2,334 |
| Loan loss allowance to noncurrent loans | 58.4120% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 4.0027% | 1,600 |
| Noncurrent loans to loans | 3.4450% | 2,053 |
| Net loans and leases to total assets | 67.7387% | 2,670 |
| Net loans and leases to deposits | 77.1750% | 3,268 |
| Net loans and leases to core deposits | 83.6273% | 3,266 |
| Total domestic deposits to total assets | 87.7729% | 2,300 |
| Equity capital to assets | 10.1837% | 3,896 |
| Core capital (leverage) ratio | 10.0673% | 3,180 |
| Tier 1 risk-based capital ratio | 13.8443% | 4,276 |
| Total risk-based capital ratio | 15.1020% | 4,240 |
| Memoranda: | ||
| Average total assets | $204,788,000 | 3,041 |
| Average earning assets | $181,354,330 | 3,109 |
| Average equity | $20,215,330 | 3,093 |
| Average total loans | $144,939,000 | 2,760 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8000% | 738 |
| Cost of funding earning assets | 1.4654% | 1,313 |
| Net interest margin | 4.3346% | 1,455 |
| Noninterest income to average assets | 0.7752% | 2,132 |
| Noninterest expense to average assets | 2.9563% | 3,834 |
| Loan and lease loss provision to assets | 0.6151% | 1,395 |
| Net operating income to assets | 0.6795% | 3,612 |
| Return on assets (ROA) | 0.6795% | 3,678 |
| Pretax return on assets | 1.0564% | 2,919 |
| Return on Equity (ROE) | 6.9943% | 3,381 |
| Retained earnings to average equity (ytd only) | 6.9943% | 2,144 |
| Net charge-offs to loans | -0.1200% | 7,135 |
| Credit loss provision to net charge-offs | -715.9091% | 6,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8819% | 5,381 |
| Assets per employee ($millions) | 3.9683% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4252% | 1,573 |
| Loan loss allowance to noncurrent loans | 57.0247% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 4.6804% | 1,366 |
| Noncurrent loans to loans | 4.2530% | 1,674 |
| Net loans and leases to total assets | 68.5332% | 2,445 |
| Net loans and leases to deposits | 77.6618% | 3,123 |
| Net loans and leases to core deposits | 84.2949% | 3,132 |
| Total domestic deposits to total assets | 88.2458% | 2,226 |
| Equity capital to assets | 9.7465% | 4,113 |
| Core capital (leverage) ratio | 9.9107% | 3,257 |
| Tier 1 risk-based capital ratio | 13.3784% | 4,520 |
| Total risk-based capital ratio | 14.6427% | 4,491 |
| Memoranda: | ||
| Average total assets | $204,852,000 | 3,054 |
| Average earning assets | $182,070,000 | 3,113 |
| Average equity | $19,902,000 | 3,130 |
| Average total loans | $146,668,000 | 2,760 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0804% | 727 |
| Cost of funding earning assets | 1.7540% | 1,365 |
| Net interest margin | 4.3265% | 1,726 |
| Noninterest income to average assets | 0.7412% | 2,584 |
| Noninterest expense to average assets | 3.3570% | 2,563 |
| Loan and lease loss provision to assets | 0.6774% | 2,432 |
| Net operating income to assets | 0.3909% | 4,582 |
| Return on assets (ROA) | 0.3909% | 4,731 |
| Pretax return on assets | 0.5868% | 4,366 |
| Return on Equity (ROE) | 4.2267% | 4,420 |
| Retained earnings to average equity (ytd only) | 4.2267% | 2,883 |
| Net charge-offs to loans | 1.3441% | 1,661 |
| Credit loss provision to net charge-offs | 69.6940% | 5,871 |
| Earnings coverage of net charge-offs (x) | 1.3006% | 4,799 |
| Efficiency ratio | 72.6428% | 3,670 |
| Assets per employee ($millions) | 3.8368% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1267% | 2,009 |
| Loan loss allowance to noncurrent loans | 72.7524% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 3.7723% | 1,817 |
| Noncurrent loans to loans | 2.9231% | 2,611 |
| Net loans and leases to total assets | 71.4256% | 2,215 |
| Net loans and leases to deposits | 80.8229% | 3,021 |
| Net loans and leases to core deposits | 86.6054% | 3,240 |
| Total domestic deposits to total assets | 88.3729% | 2,028 |
| Equity capital to assets | 9.6837% | 4,162 |
| Core capital (leverage) ratio | 9.5602% | 3,628 |
| Tier 1 risk-based capital ratio | 12.9228% | 4,660 |
| Total risk-based capital ratio | 14.1828% | 4,627 |
| Memoranda: | ||
| Average total assets | $211,823,800 | 2,963 |
| Average earning assets | $189,970,000 | 3,007 |
| Average equity | $19,589,600 | 3,205 |
| Average total loans | $153,191,800 | 2,721 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0025% | 930 |
| Cost of funding earning assets | 1.8008% | 1,418 |
| Net interest margin | 4.2018% | 2,207 |
| Noninterest income to average assets | 0.6768% | 2,966 |
| Noninterest expense to average assets | 3.3086% | 2,546 |
| Loan and lease loss provision to assets | 0.6980% | 2,198 |
| Net operating income to assets | 0.3004% | 5,167 |
| Return on assets (ROA) | 0.3004% | 5,335 |
| Pretax return on assets | 0.4481% | 5,078 |
| Return on Equity (ROE) | 3.2849% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.2849% | 4,134 |
| Net charge-offs to loans | 1.8731% | 1,024 |
| Credit loss provision to net charge-offs | 51.6367% | 5,857 |
| Earnings coverage of net charge-offs (x) | 0.8479% | 5,202 |
| Efficiency ratio | 74.2725% | 3,273 |
| Assets per employee ($millions) | 4.0672% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8020% | 2,784 |
| Loan loss allowance to noncurrent loans | 47.8367% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 4.2608% | 1,604 |
| Noncurrent loans to loans | 3.7671% | 2,048 |
| Net loans and leases to total assets | 71.7459% | 2,307 |
| Net loans and leases to deposits | 81.9718% | 3,112 |
| Net loans and leases to core deposits | 88.1144% | 3,355 |
| Total domestic deposits to total assets | 87.5251% | 2,247 |
| Equity capital to assets | 9.6121% | 4,669 |
| Core capital (leverage) ratio | 9.2362% | 4,304 |
| Tier 1 risk-based capital ratio | 12.8175% | 4,716 |
| Total risk-based capital ratio | 14.0802% | 4,691 |
| Memoranda: | ||
| Average total assets | $213,941,500 | 2,989 |
| Average earning assets | $192,359,250 | 3,005 |
| Average equity | $19,564,000 | 3,245 |
| Average total loans | $154,389,250 | 2,739 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0527% | 843 |
| Cost of funding earning assets | 1.8199% | 1,567 |
| Net interest margin | 4.2328% | 2,049 |
| Noninterest income to average assets | 0.6608% | 2,951 |
| Noninterest expense to average assets | 3.0919% | 3,355 |
| Loan and lease loss provision to assets | 0.5830% | 2,444 |
| Net operating income to assets | 0.5071% | 4,294 |
| Return on assets (ROA) | 0.5071% | 4,441 |
| Pretax return on assets | 0.7848% | 3,930 |
| Return on Equity (ROE) | 5.6381% | 3,972 |
| Retained earnings to average equity (ytd only) | 5.6381% | 2,535 |
| Net charge-offs to loans | 1.2528% | 1,520 |
| Credit loss provision to net charge-offs | 64.7482% | 5,101 |
| Earnings coverage of net charge-offs (x) | 1.5190% | 4,353 |
| Efficiency ratio | 69.3297% | 4,312 |
| Assets per employee ($millions) | 3.9255% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2952% | 1,593 |
| Loan loss allowance to noncurrent loans | 78.0604% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 3.4535% | 2,037 |
| Noncurrent loans to loans | 2.9403% | 2,720 |
| Net loans and leases to total assets | 67.7670% | 3,433 |
| Net loans and leases to deposits | 80.9101% | 3,447 |
| Net loans and leases to core deposits | 86.3236% | 3,783 |
| Total domestic deposits to total assets | 83.7559% | 4,222 |
| Equity capital to assets | 9.1982% | 5,149 |
| Core capital (leverage) ratio | 9.1445% | 4,382 |
| Tier 1 risk-based capital ratio | 13.0067% | 4,437 |
| Total risk-based capital ratio | 14.2633% | 4,384 |
| Memoranda: | ||
| Average total assets | $216,113,670 | 2,981 |
| Average earning assets | $193,961,670 | 3,020 |
| Average equity | $19,439,330 | 3,251 |
| Average total loans | $155,335,670 | 2,756 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1400% | 720 |
| Cost of funding earning assets | 1.8685% | 1,573 |
| Net interest margin | 4.2715% | 1,778 |
| Noninterest income to average assets | 0.6567% | 2,897 |
| Noninterest expense to average assets | 2.9692% | 3,783 |
| Loan and lease loss provision to assets | 0.5827% | 2,171 |
| Net operating income to assets | 0.5901% | 3,935 |
| Return on assets (ROA) | 0.5901% | 4,081 |
| Pretax return on assets | 0.9194% | 3,391 |
| Return on Equity (ROE) | 6.6356% | 3,551 |
| Retained earnings to average equity (ytd only) | 6.6356% | 2,308 |
| Net charge-offs to loans | 0.4199% | 2,786 |
| Credit loss provision to net charge-offs | 189.7590% | 1,941 |
| Earnings coverage of net charge-offs (x) | 4.8916% | 2,519 |
| Efficiency ratio | 66.4046% | 5,030 |
| Assets per employee ($millions) | 3.8388% | 4,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5599% | 1,224 |
| Loan loss allowance to noncurrent loans | 75.6595% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 3.5860% | 1,957 |
| Noncurrent loans to loans | 3.3834% | 2,365 |
| Net loans and leases to total assets | 69.5690% | 3,041 |
| Net loans and leases to deposits | 83.7825% | 2,971 |
| Net loans and leases to core deposits | 89.5330% | 3,426 |
| Total domestic deposits to total assets | 83.0352% | 4,609 |
| Equity capital to assets | 9.0513% | 5,206 |
| Core capital (leverage) ratio | 9.0464% | 4,481 |
| Tier 1 risk-based capital ratio | 12.6771% | 4,577 |
| Total risk-based capital ratio | 13.8934% | 4,574 |
| Memoranda: | ||
| Average total assets | $216,220,500 | 3,035 |
| Average earning assets | $193,094,500 | 3,087 |
| Average equity | $19,229,500 | 3,300 |
| Average total loans | $158,130,500 | 2,778 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3799% | 868 |
| Cost of funding earning assets | 2.3608% | 1,421 |
| Net interest margin | 4.0192% | 2,788 |
| Noninterest income to average assets | 0.6840% | 3,063 |
| Noninterest expense to average assets | 2.6812% | 5,475 |
| Loan and lease loss provision to assets | 1.7204% | 1,326 |
| Net operating income to assets | -0.0398% | 5,563 |
| Return on assets (ROA) | -0.0398% | 5,592 |
| Pretax return on assets | -0.1030% | 5,607 |
| Return on Equity (ROE) | -0.4684% | 5,615 |
| Retained earnings to average equity (ytd only) | -0.4684% | 5,092 |
| Net charge-offs to loans | 1.1316% | 2,163 |
| Credit loss provision to net charge-offs | 200.1114% | 1,947 |
| Earnings coverage of net charge-offs (x) | 1.8813% | 4,315 |
| Efficiency ratio | 62.3733% | 6,084 |
| Assets per employee ($millions) | 3.8833% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3222% | 1,444 |
| Loan loss allowance to noncurrent loans | 55.1181% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 3.8962% | 1,704 |
| Noncurrent loans to loans | 4.2132% | 1,729 |
| Net loans and leases to total assets | 73.1130% | 2,475 |
| Net loans and leases to deposits | 87.5432% | 2,641 |
| Net loans and leases to core deposits | 128.6865% | 1,352 |
| Total domestic deposits to total assets | 83.5165% | 4,272 |
| Equity capital to assets | 8.7375% | 5,538 |
| Core capital (leverage) ratio | 9.1663% | 4,170 |
| Tier 1 risk-based capital ratio | 11.9453% | 4,994 |
| Total risk-based capital ratio | 13.2089% | 4,931 |
| Memoranda: | ||
| Average total assets | $208,786,000 | 3,073 |
| Average earning assets | $187,776,000 | 3,119 |
| Average equity | $17,720,600 | 3,544 |
| Average total loans | $158,620,800 | 2,785 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4307% | 876 |
| Cost of funding earning assets | 2.4983% | 1,310 |
| Net interest margin | 3.9324% | 3,109 |
| Noninterest income to average assets | 0.6821% | 3,142 |
| Noninterest expense to average assets | 2.8651% | 4,593 |
| Loan and lease loss provision to assets | 1.6049% | 1,179 |
| Net operating income to assets | -0.1394% | 5,967 |
| Return on assets (ROA) | -0.1394% | 5,985 |
| Pretax return on assets | -0.2633% | 6,057 |
| Return on Equity (ROE) | -1.6551% | 6,044 |
| Retained earnings to average equity (ytd only) | -1.6551% | 5,645 |
| Net charge-offs to loans | 0.6980% | 2,604 |
| Credit loss provision to net charge-offs | 301.4545% | 1,362 |
| Earnings coverage of net charge-offs (x) | 2.5200% | 3,967 |
| Efficiency ratio | 68.1086% | 4,952 |
| Assets per employee ($millions) | 3.6029% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3083% | 1,286 |
| Loan loss allowance to noncurrent loans | 45.4772% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 4.4677% | 1,376 |
| Noncurrent loans to loans | 5.0758% | 1,284 |
| Net loans and leases to total assets | 75.1167% | 2,219 |
| Net loans and leases to deposits | 89.9954% | 2,584 |
| Net loans and leases to core deposits | 130.4983% | 1,405 |
| Total domestic deposits to total assets | 83.4673% | 3,979 |
| Equity capital to assets | 8.3053% | 6,500 |
| Core capital (leverage) ratio | 8.2300% | 5,966 |
| Tier 1 risk-based capital ratio | 9.4141% | 7,429 |
| Total risk-based capital ratio | 10.6733% | 7,395 |
| Memoranda: | ||
| Average total assets | $206,616,000 | 3,115 |
| Average earning assets | $185,190,750 | 3,177 |
| Average equity | $17,400,500 | 3,630 |
| Average total loans | $157,582,000 | 2,836 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5360% | 761 |
| Cost of funding earning assets | 2.6058% | 1,269 |
| Net interest margin | 3.9302% | 2,976 |
| Noninterest income to average assets | 0.6550% | 3,307 |
| Noninterest expense to average assets | 2.8392% | 4,780 |
| Loan and lease loss provision to assets | 0.6327% | 2,530 |
| Net operating income to assets | 0.3874% | 4,560 |
| Return on assets (ROA) | 0.3874% | 4,660 |
| Pretax return on assets | 0.7120% | 3,960 |
| Return on Equity (ROE) | 4.5788% | 4,268 |
| Retained earnings to average equity (ytd only) | 4.5788% | 2,746 |
| Net charge-offs to loans | 0.6465% | 2,417 |
| Credit loss provision to net charge-offs | 128.6837% | 3,614 |
| Earnings coverage of net charge-offs (x) | 2.7348% | 3,716 |
| Efficiency ratio | 67.8596% | 5,176 |
| Assets per employee ($millions) | 3.5652% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 4,045 |
| Loan loss allowance to noncurrent loans | 45.6182% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 2.6908% | 2,387 |
| Noncurrent loans to loans | 2.9340% | 2,452 |
| Net loans and leases to total assets | 75.8961% | 2,207 |
| Net loans and leases to deposits | 91.0873% | 2,633 |
| Net loans and leases to core deposits | 133.7430% | 1,327 |
| Total domestic deposits to total assets | 83.3224% | 4,101 |
| Equity capital to assets | 8.4829% | 6,074 |
| Core capital (leverage) ratio | 8.5968% | 5,268 |
| Tier 1 risk-based capital ratio | 9.6452% | 7,280 |
| Total risk-based capital ratio | 10.8083% | 7,298 |
| Memoranda: | ||
| Average total assets | $207,033,670 | 3,140 |
| Average earning assets | $185,893,330 | 3,192 |
| Average equity | $17,515,330 | 3,612 |
| Average total loans | $157,473,670 | 2,869 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5830% | 737 |
| Cost of funding earning assets | 2.7374% | 1,151 |
| Net interest margin | 3.8456% | 3,267 |
| Noninterest income to average assets | 0.6468% | 3,217 |
| Noninterest expense to average assets | 2.6781% | 5,109 |
| Loan and lease loss provision to assets | 0.3379% | 3,298 |
| Net operating income to assets | 0.6507% | 3,797 |
| Return on assets (ROA) | 0.6507% | 3,982 |
| Pretax return on assets | 1.0948% | 3,005 |
| Return on Equity (ROE) | 7.7018% | 3,282 |
| Retained earnings to average equity (ytd only) | 7.7018% | 1,927 |
| Net charge-offs to loans | 0.3932% | 2,522 |
| Credit loss provision to net charge-offs | 113.6364% | 3,415 |
| Earnings coverage of net charge-offs (x) | 4.8182% | 2,809 |
| Efficiency ratio | 65.1480% | 5,482 |
| Assets per employee ($millions) | 3.5072% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 4,293 |
| Loan loss allowance to noncurrent loans | 55.4510% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 2.1607% | 2,654 |
| Noncurrent loans to loans | 2.2863% | 2,875 |
| Net loans and leases to total assets | 75.4247% | 2,405 |
| Net loans and leases to deposits | 85.7410% | 3,676 |
| Net loans and leases to core deposits | 133.4111% | 1,452 |
| Total domestic deposits to total assets | 87.9680% | 1,761 |
| Equity capital to assets | 8.5143% | 6,057 |
| Core capital (leverage) ratio | 8.4790% | 5,580 |
| Tier 1 risk-based capital ratio | 9.6519% | 7,293 |
| Total risk-based capital ratio | 10.7514% | 7,373 |
| Memoranda: | ||
| Average total assets | $207,160,500 | 3,154 |
| Average earning assets | $186,602,000 | 3,201 |
| Average equity | $17,502,500 | 3,635 |
| Average total loans | $156,677,000 | 2,897 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5150% | 403 |
| Cost of funding earning assets | 3.2493% | 1,044 |
| Net interest margin | 4.2656% | 2,081 |
| Noninterest income to average assets | 0.8770% | 2,070 |
| Noninterest expense to average assets | 2.7634% | 4,998 |
| Loan and lease loss provision to assets | 0.5612% | 2,572 |
| Net operating income to assets | 0.9198% | 2,918 |
| Return on assets (ROA) | 0.9198% | 2,766 |
| Pretax return on assets | 1.4215% | 1,902 |
| Return on Equity (ROE) | 10.7303% | 1,991 |
| Retained earnings to average equity (ytd only) | 4.4955% | 2,332 |
| Net charge-offs to loans | 0.3878% | 2,884 |
| Credit loss provision to net charge-offs | 191.4089% | 2,568 |
| Earnings coverage of net charge-offs (x) | 6.7629% | 3,279 |
| Efficiency ratio | 58.2254% | 6,657 |
| Assets per employee ($millions) | 3.6386% | 4,318 |
| Cash dividends to net income (ytd only)* | 58.1051% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 3,947 |
| Loan loss allowance to noncurrent loans | 251.3308% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.8351% | 4,762 |
| Noncurrent loans to loans | 0.5081% | 5,828 |
| Net loans and leases to total assets | 73.9139% | 3,122 |
| Net loans and leases to deposits | 84.2165% | 4,392 |
| Net loans and leases to core deposits | 130.8466% | 1,790 |
| Total domestic deposits to total assets | 87.7665% | 1,571 |
| Equity capital to assets | 8.3834% | 6,289 |
| Core capital (leverage) ratio | 8.5317% | 5,514 |
| Tier 1 risk-based capital ratio | 9.7140% | 7,062 |
| Total risk-based capital ratio | 10.8304% | 7,119 |
| Memoranda: | ||
| Average total assets | $198,520,600 | 3,160 |
| Average earning assets | $180,067,200 | 3,188 |
| Average equity | $17,017,200 | 3,736 |
| Average total loans | $150,092,200 | 2,928 |